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Page 1
Navigating Sustainable Growth
Through Digital Innovation and
Customer Engagement Excellence
2023
Laporan Tahunan
Annual Report
Page 2
Page 3
Kesinambungan Tema
Theme Continuity
Navigating Sustainable Growth
Through Digital Innovation and
Customer Engagement Excellence
2023
Laporan Tahunan
Annual Report
Navigating Sustainable Growth
Through Digital Innovation and
Customer Engagement Excellence
PT Bank Ina Perdana Tbk terus berupaya untuk mengembangkan bisnis
yang sustainable melalui berbagai inovasi, solusi, dan produk digital yang
didukung layanan nasabah yang prima dan handal. Bank Ina melakukan
terobosan yang inovatif ditandai dengan peluncuran Layanan Bina Digital,
termasuk Pinjaman Digital Bina. Selain itu, Bank Ina juga terus mendorong
pertumbuhan kinerja operasional dan keuangan Bank, terutama pada
penyaluran kredit di segmen UMKM dan komersial.
PT Bank Ina Perdana Tbk consistently develops a sustainable business through
various innovations, solutions, and digital products, which are supported
by excellent and reliable customer services. Bank Ina made an innovative
breakthrough, marked by the launching of Bina Digital Services, including
Bina Digital Loans. Furthermore, Bank Ina also constantly encourages its
operational and financial performance growth, especially in lending to
MSME and commercial segments.
2023
Laporan Tahunan
Annual Report
PT Bank Ina Perdana Tbk
2023 Annual Report 1
Page 4
2022
Pursuing Economic Growth
Pertumbuhan dan keberlanjutan usaha yang sehat dan berdaya Sound and resilient business growth and sustainability are the
tahan menjadi fokus sasaran setiap entitas usaha, termasuk focus of every business entity’s targets, including PT Bank Ina
PT Bank Ina Perdana Tbk (Bank Ina). Dalam meraihnya, Bank Ina Perdana Tbk (Bank Ina). To achieve such, Bank Ina continues to
terus meningkatkan kualitas implementasi GCG yang menjadi improve the GCG implementation quality, which is the basis for
dasar pertumbuhan perbankan yang sehat. Demikian pula sound banking growth. Likewise, strengthening digital ecosystem
halnya dengan penguatan ekosistem digital dan sistem teknologi and information technology system, as well as developing excellent
informasi, serta pengembangan produk dan layanan prima yang products and services that meet customer expectations are the
memenuhi harapan nasabah menjadi strategi yang difokuskan focuses of our strategies throughout the year. Bank Ina believes
di sepanjang tahun. Bank Ina meyakini bahwa pengelolaan that proper and responsible management not only brings internal
yang tepat dan bertanggung jawab ini tidak hanya membawa benefits to the Company, but also enables the Bank to keep
keuntungan bagi internal perusahaan, tetapi juga memampukan providing value and benefits for mutual growth with stakeholders.
Bank untuk dapat terus memberikan nilai dan manfaat bagi
pertumbuhan bersama para pemangku kepentingan.
Sanggahan dan Batasan Tanggung Jawab
Disclaimer and Limitation of Liability
Laporan Tahunan 2023 PT Bank Ina Perdana Tbk (yang selanjutnya The 2023 Annual Report of PT Bank Ina Perdana Tbk (hereinafter
disebut “Bank Ina” atau “Bank”) disusun berdasarkan Peraturan referred to as “Bank Ina” or the “Bank”) was prepared based on
Otoritas Jasa Keuangan No. 29/POJK.04/2016 tentang Laporan Financial Services Authority Regulation No. 29/POJK.04/2016 on
Tahunan Emiten atau Perusahaan Publik serta Peraturan Otoritas Annual Reports of Issuers or Public Companies and Financial Services
Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Authority Regulation No. 51/POJK.03/2017 on the Implementation
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, of Sustainable Finance for Financial Services Institutions, Issuers and
dan Perusahaan Publik. Muatan konten laporan ini sesuai dengan Public Companies. The content of this report is in accordance with
Surat Edaran Otoritas Jasa Keuangan No. 16/SEOJK.04/2021 the Financial Services Authority Circular No. 16/SEOJK.04/2021
tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan on the Form and Content of Annual Reports of Issuers or Public
Publik dan kriteria Annual Report Award. Companies and the criteria for the Annual Report Award.
Laporan ini memuat informasi terkait prinsip-prinsip keberlanjutan This report contains information regarding the sustainability
dalam seluruh aspek bisnis yang dijalankan serta kinerja ekonomi, principles in all aspects of business carried out as well as the
sosial, dan lingkungan Bank selama periode 1 Januari 2023 hingga economic, social, and environmental performance of the Bank
31 Desember 2023, disertai dengan perbandingan kinerja tahun- during the period of January 1, 2023, to December 31, 2023,
tahun sebelumnya. Selain itu, Laporan Tahunan ini juga menyajikan accompanied by a comparison of previous years’ performance.
informasi terkait proyeksi kerja Bank di tahun selanjutnya yang This Annual Report also presents information related to the Bank’s
disusun berdasarkan pernyataan-pernyataan prospektif dan work projections in the following year which are prepared based
PT Bank Ina Perdana Tbk
2 Laporan Tahunan 2023
Page 5
2021
Going Digital
Memasuki Era Digital
Bank Ina menyadari bahwa untuk bisa meraih pangsa pasar yang Bank Ina realizes that to win a bigger slice of the future’s market,
lebih besar di masa depan, maka kami harus mengambil langkah we must strategically act now and exploit growth opportunities as
strategis saat ini dan memanfaatkan peluang pertumbuhan yang they arise. To keep up with the fast-growing demands and the ever-
muncul. Untuk bisa memenuhi tuntutan pasar yang berkembang changing banking landscape, we understand that we need to speed
pesat dan lanskap perbankan yang juga terus berubah, kami up our ability to expand our product and services.
memahami bahwa kami perlu dengan cepat meningkatkan
kemampuan kami untuk memperluas produk dan layanan kami.
Untuk itu, Bank Ina telah memilih platform cloud-native banking To that end, Bank Ina adopted the best-performing and most reliable
yang punya kinerja terbaik dan paling andal yang dapat mendukung cloud-native banking platform to enable the Bank to scale up rapidly
Bank untuk berkembang pesat dan meluncurkan layanan and to launch innovative banking services that meet the specific
perbankan inovatif yang memenuhi keinginan dan kebutuhan wants and needs of their customers within weeks.
spesifik pelanggan mereka dalam waktu singkat.
Kami memang sangat fokus dalam memastikan bahwa Bank We are indeed very focused on ensuring that Bank Ina has the
Ina memiliki sistem dan infrastruktur yang tepat yang dapat right systems and infrastructure in place that can empowering us in
memberdayakan Bank dalam memberikan pengalaman optimal giving our customers optimal experience in doing various banking
kepada seluruh nasabah kami saat melakukan berbagai transaksi transaction. That is how we define the new era of digital banking.
perbankan. Karena demikianlah cara kami mendefinisikan era baru The stage that we are going into now.
perbankan digital, suatu era yang tengah kita masuki saat ini.
berbagai asumsi mengenai kondisi mendatang Bank, serta on prospective statements and various assumptions regarding the
lingkungan bisnis yang terkait, sehingga dapat mengakibatkan Bank’s future condition, as well as the related business environment,
perkembangan aktual secara material berbeda dari yang which may result in actual developments that are materially different
dilaporkan. Oleh karena itu, Bank mengimbau agar pemangku from those reported. Therefore, the Bank urges stakeholders to use
kepentingan dapat menggunakan informasi tersebut secara bijak this information wisely in making decisions.
dalam pengambilan keputusan.
Informasi lebih lanjut terkait laporan ini dan muatan di dalamnya dapat diperoleh melalui:
Further information regarding this report and its contents can be obtained through:
Feliks Suranta Tarigan Gedung Ariobimo Sentral +62 21 252 5678
Sekretaris Perusahaan Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5 +62 21 252 5025
Corporate Secretary
Jakarta Selatan, 12950 corp_sec@bankina.co.id
www.bankina.co.id
PT Bank Ina Perdana Tbk
2023 Annual Report 3
Page 6
Daftar Isi
Table of Contents
11 Strategi Keberlanjutan
1 Kesinambungan Tema 6 Identitas Perusahaan Sustainability Strategy
Theme Continuity Company Identity
17 Penentuan Isi dan Topik Material
2 Sanggahan dan Batasan Tanggung 8 Pencapaian Kinerja 2023 Determination of Content and Material
Jawab 2023 Performance Achievements Topics
Disclaimer and Limitation of Liability
10 Komitmen Keberlanjutan
4 Daftar Isi Sustainability Commitment
Table of Contents
Kilas Kinerja 2023
2023 Performance Highlights
24 Ikhtisar Kinerja Keberlanjutan 28 Ikhtisar Obligasi 33 Penghargaan dan Sertifikasi
Sustainability Performance Highlights Bonds Highlights Awards and Certifications
27 Ikhtisar Saham 29 Peristiwa Penting 35 Keanggotaan Asosiasi
Share Highlights Significant Events Association Membership
Laporan Manajemen
Management Report
38 Laporan Dewan Komisaris 44 Laporan Direksi 53 Tanggung Jawab Laporan Tahunan
Report of the Board of Commissioners Report of the Board of Directors Annual Report Responsibility
Profil Perusahaan
Company Profile
58 Riwayat Singkat 84 Profil Pejabat Eksekutif 102 Entitas Anak, Perusahaan Asosiasi, dan
Brief History Profile of Executive Officers Perusahaan Ventura
Subsidiaries, Associate Companies, and
60 Jejak Langkah 92 Profil Komite Audit
Venture Companies
Milestones Profile of Audit Committee
62 Visi dan Misi 94 Profil Komite Nominasi dan Remunerasi 102 Struktur Grup
Vision and Mission Profile of Nomination and Remuneration Group Structure
63 Nilai Dasar Perusahaan Committee 102 Akuntan Publik
Public Accountant
Corporate Values 96 Profil Komite Pemantau Risiko
64 Bidang Usaha Profile of Risk Monitoring Committee 103 Lembaga dan Profesi Penunjang Pasar
Modal
Field of Business 97 Komposisi Pemegang Saham
Capital Market Supporting Institutions
Composition of Shareholders
66 Produk dan Jasa and Professions
Products and Services 98 Pemegang Saham Utama dan
Pengendali 104 Informasi pada Situs Web Bank
70 Struktur Organisasi
Major and Controlling Shareholders Information on the Bank’s Website
Organizational Structure
101 Kronologi Penerbitan Saham 106 Wilayah Operasional dan Jaringan
72 Profil Dewan Komisaris
Chronology of Share Issuance Operational Area and Network
Profile of the Board of Commissioners
101 Kronologi Penerbitan Efek Lainnya 109 Pendidikan dan Pelatihan Organ Tata
75 Profil Direksi
Chronology of Other Securities Issuance Kelola Perusahaan
Profile of the Board of Directors Education and Training of Corporate
82 Profil Chief Commercial Banking Officer Governance Organs
Profile of Chief Commercial Banking
Officer
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
116 Tinjauan Makroekonomi Global dan 122 Aspek Pemasaran 134 Laporan Arus Kas
Nasional Marketing Aspect Statements of Cash Flows
Global and National Macroeconomic
Overview 124 Tinjauan Keuangan 135 Kemampuan Membayar Utang
Financial Overview Debt Service Ability
117 Tinjauan Industri Perbankan Nasional
124 Laporan Laba Rugi dan Penghasilan
Overview of the National Banking 136 Tingkat Kolektibilitas Piutang
Komprehensif Lain Receivables Turnover Ratio
Industry Statements of Profit and Loss and
136 Rentabilitas
118 Tinjauan Operasi per Segmen Usaha Other Comprehensive Income
Profitability
Operational Overview by Business
128 Laporan Posisi Keuangan
Segment Statements of Financial Position 137 Struktur Modal
Capital Structure
PT Bank Ina Perdana Tbk
4 Laporan Tahunan 2023
Page 7
138 Komitmen Material untuk Investasi 139 Informasi dan Fakta Material yang 142 Prospek Usaha 2024
Barang Modal Terjadi Setelah Tanggal Laporan 2024 Business Outlook
Material Commitments for Capital Akuntan
Goods Investment Information and Material Facts that 142 Proyeksi Tahun 2024
2024 Projections
Occur After the Balance Sheet Date
138 Informasi Material mengenai Investasi,
143 Perubahan Kebijakan Akuntansi
Ekspansi, Divestasi, Penggabungan/ 139 Perbandingan Target dan Realisasi 2023 Amendments to Accounting Policies
Peleburan Usaha, Akuisisi, atau Comparison between Target and
Restrukturisasi Utang/Modal Realization 2023 143 Perubahan Peraturan Perundang-
Information on Material Investment, undangan yang Berpengaruh Signifikan
Expansion, Divestment, Business 140 Nilai Ekonomi Langsung yang terhadap Bank
Dihasilkan dan Didistribusikan Amendments to Laws and Regulations
Merger/ Consolidation, Acquisition, or Direct Economic Value Generated and
Debt/Capital Restructuring with Significantly Affect the Bank
Distributed
139 Informasi Transaksi Material yang 144 Penentuan Suku Bunga Dasar Kredit
Mengandung Benturan Kepentingan 141 Kebijakan dan Pembagian Dividen Determining the Prime Lending Rate
Dividend Policy and Distribution
dan/atau Transaksi dengan Pihak Afiliasi 145 Informasi Kelangsungan Usaha
Information on Material Transactions 141 Realisasi Penggunaan Dana Hasil Information on Business Continuity
Involving Conflicts of Interest and Penawaran Umum
Transactions with Affiliated Parties Realization of the Use of Public Offering
Proceeds
Tinjauan Pendukung Bisnis
Business Support Overview
148 Sumber Daya Manusia 154 Teknologi Informasi 158 Permodalan dan Praktik
Human Resources Information Technology Manajemen Risiko
Capital and Risk Management Practices
Tata Kelola Perusahaan
Corporate Governance
210 Komitmen dan Tujuan Penerapan 248 Direksi 309 Sanksi Administratif
Good Corporate Governance (GCG) Board of Directors Administrative Sanctions
Commitment to and Purpose of
257 Transparansi Informasi tentang Dewan 310 Akses Informasi dan Data
Good Corporate Governance (GCG) Komisaris dan Direksi Access to Information and Data
Implementation Transparency of Information of the
313 Kode Etik
211 Dasar Penerapan GCG Board of Commissioners and Board of Code of Conducts
Basis of GCG Implementation Directors
315 Program Anti Pencucian Uang,
213 Penerapan Prinsip GCG 267 Komite Pendukung Dewan Komisaris Pencegahan Pendanaan Terorisme,
Implementation of GCG Principles Board of Commissioners Supporting dan Pencegahan Pendanaan Proliferasi
Committee
214 Peningkatan Kualitas Penerapan GCG Senjata Pemusnah Massal
Improvement of GCG Implementation 279 Komite Pendukung Direksi Anti-Money Laundering,
Quality Board of Directors Supporting Counter-Terrorist Financing, and
Committee Counter-Proliferation of Weapons
214 Penilaian Penerapan GCG
of Mass Destruction
Assessment of GCG Implementation 292 Sekretaris Perusahaan
222 Penilaian Tingkat Kesehatan Bank Corporate Secretary 316 Strategi Anti-Fraud
Anti-Fraud Strategy
Assessment of Bank Soundness Level 294 Satuan Kerja Audit Internal
223 Penerapan Pedoman Tata Kelola Internal Audit Work Unit 317 Sistem Pelaporan Pelanggaran
Whistleblowing System
Perusahaan Terbuka 296 Sistem Pengendalian Internal
Implementation of Public Company Internal Control System 319 Transparansi Kondisi Keuangan dan
Governance Guidelines Non-Keuangan Bank
298 Manajemen Risiko
Transparency of the Bank’s Financial
228 Struktur dan Hubungan GCG Risk Management
GCG Structure and Relationship and Non-Financial Conditions
303 Fungsi Kepatuhan
229 Rapat Umum Pemegang Saham Compliance Function 319 Pengungkapan Aspek Lainnya
General Meeting of Shareholders Disclosure of Other Aspects
308 Perkara Penting
242 Dewan Komisaris Significant Cases 323 Transparansi Praktik Bad Governance
Board of Commissioners Bad Governance Practice Transparency
Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
328 Tata Kelola Keberlanjutan 335 Keberlanjutan Pengembangan Sosial 349 Kepedulian terhadap Lingkungan Hidup
Sustainability Governance Sustainability of Social Development Concern for the Environment
355 Tanggapan terhadap Umpan Balik 357 Indeks Pengungkapan Kriteria POJK 360 Laporan Keuangan
Tahun Sebelumnya No. 51/POJK.03/2017 Financial Statements
Response to Previous Year’s Feedback Criteria Disclosure Index of OJK
356 Lembar Umpan Balik Regulation No. 51/POJK.03/2017
Feedback Form
PT Bank Ina Perdana Tbk
2023 Annual Report 5
Page 8
Identitas Perusahaan
Company Identity
Nama Perusahaan Dasar Hukum Pendirian
Company Name Legal Basis of Establishment
PT Bank Ina Perdana Tbk*) • Akta Pendirian No. 32 tanggal 9 Februari 1990
Notaris Winnie Hadiprodjo, SH, pengganti Notaris
Kartini Muljadi, SH; dan
• Pengesahan Menteri Kehakiman atas Akta Pendirian
Bidang Usaha
No. C2-3639HT.01.01.Th.90 tanggal 23 Juni 1990.
Line of Business
• Deed of Establishment No. 32 dated February 9,
Jasa Perbankan
1990 made before Notary Winnie Hadiprodjo, SH, in
Banking Services
lieu of Notary Kartini Muljadi, SH; and
• Ratification of the Minister of Justice on the Deed
of Establishment No. C2-3639HT.01.01.Th. 90 dated
Tanggal Pendirian
June 23, 1990.
Date of Establishment
9 Februari 1990
February 9, 1990
Anggaran Dasar dan Perubahan Terakhir
Articles of Association and the Latest Amendments
• Akta Pernyataan Keputusan Sirkuler Pemegang Saham No. 31 tanggal • Deed of Shareholders Circular Resolutions No. 31 dated September 9,
9 September 2013. Pengesahan Menteri Hukum dan HAM atas Perubahan 2013. Ratification of the Minister of Law and Human Rights on the
Anggaran Dasar No. AHU-49437. AH.01.02.Tahun 2013 tanggal Amendments to Articles of Association No. AHU-49437. AH.01.02.
23 September 2013; Tahun 2013 dated September 23, 2013;
• Akta Pernyataan Keputusan Rapat Dewan Komisaris No. 23 tanggal • Deed of Board of Commissioners’ Meeting Decision No. 23 dated
3 Mei 2017. Pemberitahuan Menteri Hukum dan HAM atas May 3, 2017. Notification of the Minister of Law and Human Rights on
Perubahan Anggaran Dasar No. AHU-AH.01.03-0133241 dan the Amendments to Articles of Association No. AHU-AH.01.03-0133241
No. AHU-AH.01.03-0133242 tanggal 04 Mei 2017; and No. AHU-AH.01.03-0133242 dated May 4, 2017;
• Akta Pernyataan Keputusan Rapat No. 107 tanggal 25 Mei 2018. • Deed of Meeting Decisions No. 107 dated May 25, 2018. Notification of
Pemberitahuan Menteri Hukum dan HAM atas Perubahan Anggaran the Minister of Law and Human Rights on the Amendments to Articles
Dasar No. AHU-AH.01.03-0210460 tanggal 30 Mei 2018; of Association No. AHU-AH.01.03-0210460 dated May 30, 2018;
• Akta Berita Acara Rapat Umum Pemegang Saham Tahunan No. 14 • Deed of Minutes of Annual General Meeting of Shareholders
Tanggal 10 Mei 2019. Persetujuan Menteri Hukum dan HAM atas No. 14 dated May 10, 2019. Approval of the Minister of Law and
Perubahan Anggaran Dasar No. AHU-0028598.AH.01.02.Tahun 2019 Human Rights for the Amendments to Articles of Association
dan AHU- AH.01.03-0279644 tanggal 24 Mei 2019; No. AHU-0028598.AH.01.02.Tahun 2019 and AHU-AH.01.03- 0279644
dated May 24, 2019;
• Akta Berita Acara Rapat Umum Pemegang Saham Tahunan No. 04 • Deed of Minutes of Annual General Meeting of Shareholders No. 04 dated
Tanggal 5 Juni 2020. Pemberitahuan Menteri Hukum dan HAM atas June 5, 2020. Notification of Minister of Law Human Rights on the
Perubahan Anggaran Dasar No. AHU-AH.01.03-0272194 tanggal Amendments to Articles of Association No. AHU-AH.01.03-0272194
2 Juli 2020; dated July 2, 2020;
• Akta Berita Acara Rapat Umum Pemegang Saham Luar Biasa No. 11 • Deed of Minutes of Extraordinary General Meeting of Shareholders
tanggal 9 Desember 2020. Pemberitahuan Menteri Hukum dan HAM No. 11 dated December 9, 2020. Notification of the Minister of Law
atas Perubahan Anggaran Dasar No. AHU-AH.01.03-0001208 tanggal and Human Rights on the Amendments to Articles of Association
5 Januari 2021; No. AHU-AH.01.03-0001208 dated January 5, 2021;
• Akta Berita Acara Rapat Umum Pemegang Saham Tahunan No. 06 • Deed of Minutes of Annual General Meeting of Shareholders No. 06
tanggal 16 Juni 2021; dated June 16, 2021;
• Akta Berita Acara Rapat Umum Pemegang Saham Luar Biasa No. 07 • Deed of Minutes of Extraordinary General Meeting of Shareholders
tanggal 16 Juni 2021. Persetujuan Menteri Hukum dan HAM atas No. 07 dated June 16, 2021. Approval of the Minister of Law and
Perubahan Anggaran Dasar No. AHU-0039199.AH.01.02.Tahun Human Rights on the Amendments to Articles of Association
2021 tanggal 10 Juli 2021. Pemberitahuan Menteri Hukum dan HAM No. AHU-0039199.AH.01.02.Tahun 2021 dated July 10, 2021.
atas Perubahan Anggaran Dasar No. AHU-AH.01.03-0427328 dan Notification of the Minister of Law and Human Rights on the
No. AHU-AH.01.03-0427329 tanggal 10 Juli 2021; Amendments to Articles of Association No. AHU-AH.01.03-0427328 and
No. AHU-AH.01.03-0427329 dated July 10, 2021;
• Akta Pernyataan Keputusan Rapat No. 60 tanggal 22 Juni 2022. • Deed of Meeting Decisions No. 60 dated June 22, 2022. Approval of
Persetujuan Menteri Hukum dan HAM atas Perubahan Anggaran the Minister of Law and Human Rights on the Amendments to Articles
Dasar No. AHU-0042466.AH.01.02.Tahun 2022 tanggal 22 Juni 2022; of Association No. AHU-0042466.AH.01.02.Tahun 2022 dated
June 22, 2022;
• Akta Berita Acara Rapat Umum Pemegang Saham Luar Biasa No. 13 • Deed of Minutes of Extraordinary General Meeting of Shareholders
tanggal 19 Mei 2023; dan No. 13 dated May 19, 2023; and
• Akta Pernyataan Keputusan Rapat Umum Pemegang Saham Luar Biasa • Deed of Extraordinary General Meeting of Shareholders Resolution
No. 22 tanggal 14 Juni 2023. Persetujuan Menteri Hukum dan HAM No. 22 dated June 14, 2023. Approval of the Minister of Law
atas Perubahan Anggaran Dasar No. AHU-0111267.AH.01.11 Tahun and Human Rights on the Amendment to Articles of Association
2023 tanggal 15 Juni 2023; No. AHU-0111267.AH.01.11 Year 2023 dated June 15, 2023;
*) Bank melakukan penyesuaian nama dengan menambahkan kata “Perdana”. Penyesuaian nama dilakukan sebelum Bank efektif beroperasi secara komersial.
*) The Bank adjusted the name by adding the word “Perdana”. The name was adjusted before the Bank started its commercial operations.
PT Bank Ina Perdana Tbk
6 Laporan Tahunan 2023
Page 9
Dasar Hukum Penyesuaian Nama Jumlah Karyawan
Legal Basis for Name Adjustment Total Employees
Akta No. 79 tanggal 22 Mei 1990 karyawan (per Desember 2023).
Deed No. 79 dated May 22, 1990 employees (as of December 2023).
Surat Izin Sebagai Bank Umum Jaringan ATM
License as Commercial Bank ATM Network
Surat Izin Usaha Perdagangan (SIUP) Menteri Keuangan mesin ATM
No. 524/KMK.013/1991 tanggal 3 Juni 1991. ATM machines.
Trade Business License (SIUP) of the Minister of Finance
No. 524/KMK.013/1991 dated June 3, 1991
Alamat Kantor Pusat [POJK51-C.2]
Head Office Address
Modal Dasar
Authorized Capital Gedung Ariobimo Sentral, Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5
Rp
2.000.000.000.000,- Jakarta Selatan, 12950
(dua triliun Rupiah / two trillion Rupiah) +62 21 252 5678
+62 21 252 5025
Modal Ditempatkan dan Disetor Penuh 1500738
Issued and Fully Paid Capital
corp_sec@bankina.co.id
Rp
613.471.666.500,- www.bankina.co.id
Tanggal Pencatatan Saham
Share Listing Date
16 Januari 2014
January 16, 2014 Bank Ina bankinaperdana
Nama Bursa
Jaringan Kantor
Stock Exchange Name
Office Network
Bursa Efek Indonesia
Indonesian Stock Exchange (IDX) 1 Kantor Pusat
Head Office
15 Kantor Cabang
Branch Offices
Kode Saham 29 Kantor Cabang Pembantu
Ticker Code Sub-Branch Offices
BINA
Kepemilikan
Shareholding
20,63% 22,83%
PT Indolife Pensiontama
PT Samudra Biru
UOB Kay Hian Pte Ltd
PT Gaya Hidup Masa Kini
9,67%
DBS Bank Ltd S/A LTSL as Trustee of
NS Financial Fund
18,16%
Masyarakat / Public
11,84%
16,86%
PT Bank Ina Perdana Tbk
2023 Annual Report 7
Page 10
Pencapaian Kinerja 2023
2023 Performance Achievements
Laba Bersih Tahun Berjalan
Net Income for the Year
Rp
207,88
miliar / billion
32,36%
Peluncuran Layanan Bina Digital
Agustus 2023
EKONOMI / ECONOMY
Launching of Digital Bina Services
August, 2023
Aset / Assets Rasio KPMM / CAR Ratio
Rp
24.384,58
miliar / billion
18,64%
26,10%
PT Bank Ina Perdana Tbk
8 Laporan Tahunan 2023
Page 11
Dana Kredit yang
Ekuitas
Pihak Ketiga Equity
Diberikan - Kotor
Third-Party Funds Loans Given - Gross
Rp
19.315,91 Rp
3.556,16 Rp
12.677,19
miliar / billion miliar / billion miliar / billion
24,92% 8,15% 30,03%
Total Kredit Keuangan Berkelanjutan
Total Sustainable Finance Credit
Rp
4.268,35
miliar / billion
PT Bank Ina Perdana Tbk
2023 Annual Report 9
Page 12
Komitmen Keberlanjutan
Sustainability Commitment
Industri perbankan dapat memainkan peran kunci dalam The banking industry can play a key role in supporting sustainable
mendukung pembangunan berkelanjutan dan memberikan development and making a positive contribution to sustainability-
kontribusi positif terhadap tantangan-tantangan global related global challenges. Therefore, Bank Ina is committed to
yang terkait dengan keberlanjutan. Maka dari itu, Bank Ina continuously conducting various initiatives in environmental,
berkomitmen untuk senantiasa melakukan berbagai inisiatif social, and governance (ESG) aspects that are managed, improved,
dalam aspek lingkungan, sosial, dan tata kelola (LST) yang dikelola, and directed to support the achievement of the Sustainable
ditingkatkan, serta diarahkan untuk mendukung pencapaian Development Goals (SDG).
Tujuan Pembangunan Berkelanjutan (TPB).
Di sisi lain, Bank Ina juga terus bertumbuh dan bersinergi untuk On the other hand, Bank Ina continues to grow and synergize
mencapai kesinambungan bisnis yang solid serta berupaya to achieve solid business sustainability and seeks to maximize
memaksimalkan nilai pemangku kepentingan. Terkait hal ini, Bank stakeholders value. In this regard, the Bank has established 4
telah menetapkan 4 landasan pokok dalam pelaksanaan tanggung main foundation in the implementation of social responsibility
jawab sosial (TJSL), yakni tanggung jawab pengembangan (CSR), namely social community development responsibility;
sosial kemasyarakatan; tanggung jawab lingkungan; tanggung environmental responsibility; responsibility to customers; and
jawab kepada nasabah; serta tanggung jawab ketenagakerjaan, employment, health and safety responsibilities. All of these
kesehatan, dan keselamatan kerja. Seluruh tanggung jawab responsibilities are carried out through various initiatives that are
tersebut dilaksanakan melalui berbagai inisiatif yang disusun organized in a systematic, directed, and targeted manner, with
secara sistematis, terarah, dan tepat sasaran, dengan mengacu reference to Standard Operating Procedure (SOP) No. 092 of
pada Standard Operating Procedure (SOP) No. 092 tahun 2016. 2016.
Sementara itu, fokus pengembangan utama Bank Ina terkait Meanwhile, Bank Ina’s main development focuses related to
keberlanjutan di tahun 2023, yakni: sustainability in 2023 are on:
1. Meningkatkan portofolio pembiayaan ritel (usaha mikro, kecil 1. Improving retail (micro, small, and medium enterprises/MSME)
dan menengah/UMKM) serta komersial (non-UMKM) agar and commercial (non-MSME) financing portfolios in line with
sejalan dengan penerapan kegiatan usaha berkelanjutan; the implementation of sustainable business activities;
2. Mengembangkan inovasi produk dan layanan dengan 2. Developing product and service innovations through digital
melakukan transformasi digital, yaitu membangun ekosistem transformation, by building a digital ecosystem, strengthening
digital, memperkuat infrastruktur digital, menerapkan aplikasi digital infrastructure, implementing digital applications
digital (internet banking dan mobile banking), layanan e-KYC, (internet banking and mobile banking), e-KYC services, and
serta Open Application Programming Interface (API); serta Open Application Programming Interface (API); and
3. Mendorong praktik operasional yang berfokus pada efisiensi 3. Encouraging operational practices that focus on cost
biaya melalui peningkatan efisiensi operasional, termasuk efficiency by improving operational efficiency, including the
penggunaan kertas, air, dan listrik. use of paper, water, and electricity.
PT Bank Ina Perdana Tbk
10 Laporan Tahunan 2023
Page 13
Strategi Keberlanjutan
Sustainability Strategy
Sebagai bagian dari rencana bisnis atau perencanaan strategi As part of its business plan or sustainability strategy planning, the
keberlanjutan, Bank telah menyusun Rencana Aksi Keuangan Bank has developed a Sustainable Finance Action Plan (RAKB). In
Berkelanjutan (RAKB). Secara umum, RAKB memuat strategi utama general, RAKB contains the Bank’s main strategies in supporting
Bank dalam mendukung penerapan keuangan berkelanjutan di the implementation of sustainable finance in Indonesia, which are
Indonesia, yaitu penguatan struktur organisasi yang berbasis kinerja strengthening the performance-based organizational structure,
serta penyesuaian sumber daya manusia dengan kebutuhan strategis, adjusting human resources to strategic needs, integrating social
integrasi aspek sosial dan lingkungan hidup ke dalam pengelolaan and environmental aspects into risk management, and increasing
risiko serta peningkatan pertumbuhan portofolio pembiayaan pada financing portfolio growth in environmentally sound business
kegiatan usaha berwawasan lingkungan. [POJK51-A.1] activities. [POJK51-A.1]
Sementara itu, RAKB tahun 2023-2027 telah disampaikan kepada Meanwhile, RAKB for 2023-2027 has been submitted to the
Otoritas Jasa Keuangan pada tanggal 29 November 2022, melalui Financial Services Authority on November 29, 2022, through
Surat No. OJK/DIR/204/1122. Letter No. OJK/DIR/204/1122.
Prioritas Penerapan Keuangan Keberlanjutan Tahun 2023-2027 Priorities of Sustainability Finance Implementation for
2023-2027
Bank Ina telah menyusun RAKB untuk periode tahun 2023-2027 Bank Ina has prepared RAKB for 2023-2027 with the following
dengan gambaran strategi dan kegiatan sebagai berikut. description of strategies and activities.
Indikator terkait dengan Pengembangan Produk dan/atau Jasa
Indicators related to Product and/or Service Development
Prioritas Bank Ina dalam RAKB sesuai Pasal 7
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017
Strategi RAKB Bank Ina untuk Menjawab Prioritas
Bank Ina’s Priority in RAKB according to Article 7 of the Bank Ina’s RAKB Strategy to Respond to Priorities
Financial Services Authority Regulation
No. 51/POJK.03/2017
Melakukan pengembangan produk dan/atau jasa keuangan berkelanjutan, Penyusunan RAKB akan digunakan Bank Ina sebagai guide line dalam
termasuk peningkatan portofolio pembiayaan UMKM maupun komersial peningkatan portofolio pembiayaan usaha mikro, kecil, dan menengah (UMKM)
atau proyek yang sejalan dengan penerapan keuangan berkelanjutan. serta komersial agar sejalan dengan penerangan keuangan berkelanjutan secara
bertahap sesuai prioritas Bank.
Jumlah kredit kegiatan usaha berkelanjutan tahun 2027 adalah 44,08% dari
total kredit yang diberikan, terdiri dari:
Kredit UMKM : 30,00%
Kredit Non-UMKM : 14,08%
Developing sustainable finance products and/or services, including increasing RAKB will be used by Bank Ina as a guideline in increasing micro, small, and
MSME and commercial financing portfolio or projects that are in line with medium enterprise (MSMEs) and commercial financing portfolio to be in line
the implementation of sustainable finance. with sustainable finance information gradually according to the Bank’s priorities.
Total loans for sustainable business activities in 2027 is 44.08% of total loans,
consisting of:
MSME Loans : 30.00%
Non-MSME Loans : 14.08%
dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise
Jenis Kredit 2023 *)
2024 2025 2026 2027 Type of Loans
Total Kredit 12.677.186 15.625.000 19.531.250 24.414.063 30.517.578 Total Loans
Kredit UMKM 2.685.687 3.125.000 3.906.250 4.882.813 6.103.516 MSME Loans
Kredit Non-UMKM - KB 1.582.661 3.431.928 2.929.688 3.662.109 4.577.637 Non-MSME Loans - KB
Total Kredit-KB 4.268.348 6.556.928 6.835.938 8.544.922 10.681.152 Total Loans - KB
Total NPL-KB 136.528 70.313 89.844 114.746 140.381 Total NPL-KB
Rasio NPL KB to Total NPL-KB to Total Loans
1,08 0,45 0,46 0,47 0,46
Kredit (%) Ratio (%)
*) per data Desember 2023 Non-Audit. / per December 2023 Non-Audit data.
PT Bank Ina Perdana Tbk
2023 Annual Report 11
Page 14
Jumlah Surat Berharga kategori keuangan berkelanjutan tahun The number of Securities in the sustainable finance category in
2027 adalah 5,25% dari total Surat Berharga yang dimiliki Bank: 2027 is 5.25% of the total Securities owned by the Bank:
dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise
Aset Produktif Earning Assets
2023*) 2024 2025 2026 2027
(AP) (AP)
Total Surat Berharga 3.014.964 4.190.872 5.390.872 6.590.872 8.106.773 Total Securities
Surat Berharga - KB 26.000 167.635 229.112 296.589 385.072 Securities - KB
Total Surat Berharga Total Securities
2.998.964 4.023.237 5.161.760 6.294.283 7.721.701
Non - KB Non- KB
Surat Berharga KB
Securities KB to Total
terhadap Total Surat 0,86 4,00 4,25 4,50 4,75
Securities (%)
Berharga (%)
*) per data Desember 2023 Non-Audit. / per December 2023 Non-Audit data.
Penerbitan program-program/produk keuangan berkelanjutan The issuance of sustainable finance programs/products,
antara lain produk penyaluran dana untuk pengembangan UMKM including products for channeling funds for digital-based MSME
berbasis digital maupun produk penghimpunan dana yang terkait development and fund-raising products related to sustainable
dengan ekonomi berkelanjutan, seperti Tabungan Green Untung. economy, such as Green Profit Savings.
Indikator terkait dengan Pengembangan Kapasitas Internal Bank
Indicators related to the Bank’s Internal Capacity Development
Prioritas Bank Ina dalam RAKB sesuai Pasal 7
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017
Strategi RAKB Bank Ina untuk Menjawab Prioritas
Bank Ina’s Priority in RAKB according to Article 7 of the Bank Ina’s RAKB Strategy to Respond to Priorities
Financial Services Authority Regulation
No. 51/POJK.03/2017
Pengembangan kapasitas internal. Menyusun program aksi, di mana salah satunya adalah mengadakan
workshop pelatihan RAKB untuk internal Bank Ina secara berkelanjutan.
Internal capacity development. Developing an action program, one of which is holding an RAKB training
workshop for Bank Ina’s internal party on an ongoing basis.
Jumlah karyawan yang mengikuti pelatihan terkait penerapan keuangan • Sebanyak 25% dari total pengurus, para karyawan ditingkat manajerial/
berkelanjutan. pengambil keputusan, mengikuti pelatihan analisis lingkungan hidup
tingkat dasar dan sejenisnya.
• Sebanyak 20% dari analis kredit telah mengikuti pelatihan terkait analisis
mengenai dampak lingkungan hidup (AMDAL)/manajemen risiko sosial
dan lingkungan hidup.
Number of employees attending the training regarding implementation • As much as 25% of the total management, employees at managerial/
of sustainable finance. decision-making level attended the basic level environmental analysis
training and similar ones.
• As much as 20% of credit analysts have attended training related to
environmental impact analysis (AMDAL)/social and environmental risk
management.
Alokasi anggaran pengembangan SDM Bank terkait penerapan Mengalokasikan 2% dari total biaya pendidikan untuk biaya pelatihan yang
keuangan berkelanjutan. akan digunakan untuk pengembangan kapasitas dan pelatihan terkait
lingkungan, sosial, dan tata kelola (LST).
Allocation of the Bank’s HR development budget related to the Allocating 2% of the total labour costs for training costs which will be used
implementation of sustainable finance. for capacity building, training and workshops related to environmental,
social and governance (ESG).
PT Bank Ina Perdana Tbk
12 Laporan Tahunan 2023
Page 15
Indikator Penyesuaian Organisasi, Manajemen Risiko, Tata Kelola, dan/atau Standar Operasional Prosedur (SOP)
Indicators of Organizational Adjustment, Risk Management, Governance, and/or Standard Operating Procedures (SOP)
Prioritas Bank Ina dalam RAKB sesuai Pasal 7
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017
Strategi RAKB Bank Ina untuk Menjawab Prioritas
Bank Ina’s Priority in RAKB according to Article 7 of the Bank Ina’s RAKB Strategy to Respond to Priorities
Financial Services Authority Regulation
No. 51/POJK.03/2017
Penyesuaian organisasi, manajemen risiko, tata kelola, dan/atau SOP Bank Melakukan:
secara bertahap sesuai dengan prinsip penerapan keuangan berkelanjutan. • Pelaporan realisasi penerapan keuangan berkelanjutan 2022.
• Penyesuaian terhadap prinsip, sistem, dan analisis manajemen risiko
yang sesuai dengan karakteristik produk dan/atau jasa Bank serta
eksposur risiko. Hal ini dapat dilakukan pada penilaian kredit/pembiayaan
pendanaan, portofolio risiko korporasi, penyusunan SOP, dan pada setiap
pelaksanaan uji tuntas (due diligence).
Organizational adjustment, risk management, governance and/ or Bank SOPs Conducting:
gradually according to the principles of sustainable finance implementation. • Reporting on the realization of sustainable finance implementation in 2022.
• Adjustments to risk management principles, systems, and analysis
in accordance with the characteristics of the Bank’s products and/or
services and risk exposure. This can be done in lending/financing/funding
assessments, corporate risk portfolios, preparation of SOPs, and in every
due diligence exercise.
RAKB 5 Tahun
RAKB 5 Years
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Priority Activity Targets Success Indicator
• Sebagian karyawan di tingkat manajerial/pengambil keputusan • Sebanyak 25% dari total pengurus, para karyawan di tingkat
mengikuti program peningkatan kapasitas terkait keuangan manajerial/pengambil keputusan mengikuti pelatihan terkait
berkelanjutan; keuangan berkelanjutan;
• Sebagian analis kredit untuk sektor usaha yang memiliki risiko • Sebanyak 20% dari analis kredit telah mengikuti pelatihan terkait
sosial dan lingkungan hidup tinggi telah mengikuti program AMDAL/manajemen risiko sosial dan lingkungan hidup;
peningkatan kapasitas manajemen risiko terkait; • Realisasi produk Laku Pandai;
• Meningkatkan pemberian fasilitas kredit kepada UMKM; serta • Realisasi penyaluran dana terkait keuangan berkelanjutan; serta
• Menerbitkan produk program pembiayaan UMKM dan • Kesesuaian antara target dan realisasi berdasarkan penilaian dari
program pembiayaan lain yang mendukung program keuangan hasil audit internal.
2023 berkelanjutan.
• Some employees at managerial/decision-making level have • A total of 25% of the board, managerial/decision-making level
attended capacity building programs related to sustainable finance; employees have attended training related to sustainable finance;
• Some credit analysts for business sectors with high social and • 20% of credit analysts have attended training related to
environmental risks have attended capacity building programs AMDAL/social and environmental risk management;
related to risk management; • Realization of Laku Pandai (branchless banking) products;
• Increase the provision of credit facilities to MSMEs; and • Realization of fund disbursement related to sustainable finance;
• Issuing MSME financing program products and other financing and
programs that support sustainable finance programs. • Conformity between target and realization based on internal audit
assessment results.
Melakukan kajian-kajian terkait: • Dilakukan kajian terkait pembiayaan ramah lingkungan
• Permintaan pasar terhadap produk dan/atau jasa keuangan yang hasilnya dijadikan sebagai acuan pembuatan SOP dan
berkelanjutan; pengembangan produk dan/atau jasa keuangan berkelanjutan;
• Pengembangan produk dan/atau jasa keuangan berkelanjutan; • Kesesuaian antara target dan realisasi berdasarkan penilaian dari
• Integrasi manajemen risiko sosial, lingkungan hidup, dan tata hasil audit internal; serta
kelola dalam aktivitas bisnis Bank; serta • Adanya kerangka kerja manajemen risiko LST.
2024 • Pengelolaan lingkungan internal yang ramah lingkungan hidup.
Conducting studies related to: • Conducting studies related to environmentally friendly financing,
• Market demand for sustainable finance products and/or services; the results of which are used as a reference for making SOPs and
• Development of sustainable finance products and/or services; developing sustainable finance products and/or services;
• Integration of social, environmental, and governance risk • Conformity between target and realization based on internal audit
management in the Bank’s business activities; and assessment results; and
• Environmentally friendly management of the internal environment. • Having LST risk management framework available.
• Pengelolaan lingkungan internal yang ramah lingkungan hidup; • Ketersediaan produk-produk yang mensyaratkan adanya aspek
dan perlindungan dari risiko LST/iklim;
• Kebijakan dan manajemen risiko LST. • Kesesuaian antara target dan realisasi berdasarkan penilaian dari
hasil audit internal; serta
• Disusun SOP mengenai integrasi risiko sosial, lingkungan hidup,
dan tata kelola ke dalam aktivitas bisnis pada program kredit/
2025 pembiayaan sektor komersial.
• Environmentally friendly management of the internal environment; • Availability of products that require protection from LST/climate risks;
and • Conformity between target and realization based on internal audit
• Policy and risk management of LST. assessment results; and
• Preparing SOPs on the integration of social, environmental, and
governance risks into business activities in commercial sector credit/
financing programs.
PT Bank Ina Perdana Tbk
2023 Annual Report 13
Page 16
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Priority Activity Targets Success Indicator
• Risiko sosial, lingkungan hidup, dan tata kelola telah terintegrasi Kesesuaian antara target dan realisasi berdasarkan penilaian dari hasil
dalam aktivitas bisnis bank; serta audit internal.
• Pengelolaan lingkungan internal yang ramah lingkungan hidup.
2026
• Social, environmental, and governance risks have been integrated Conformity between target and realization based on internal audit
into the Bank’s business activities; and assessment results.
• Environmentally friendly management of the internal environment.
• Portofolio berkelanjutan mengalami peningkatan sejak • Jumlah kredit/pembiayaan berkelanjutan pada 31 Desember 2027
diimplementasikan pada tahun 2021; sebesar Rp16.741,84 miliar atau meningkat 353,16% dari jumlah
• Pengelolaan lingkungan internal yang ramah lingkungan hidup; kredit/pembiayaan berkelanjutan pada 31 Desember 2022;
serta • Jumlah surat berharga berkelanjutan pada 31 Desember 2027
• Terciptanya budaya prinsip kehati-hatian dari aktivitas sebesar Rp563,99 miliar atau meningkat 174,56% dari jumlah
penghimpunan dan penyaluran dana. mencakup dampak sosial kredit/pembiayaan berkelanjutan pada 31 Desember 2022;
dan lingkungan hidup yang bersifat negatif dari proyek atau • Peningkatan kesadaran debitur terhadap tanggung jawab sosial
kegiatan yang dibiayai. dan kelestarian lingkungan hidup; serta
• Kesesuaian antara target dan realisasi berdasarkan penilaian dari
hasil audit internal.
2027
• The sustainable portfolio has improved since it was implemented in • Total sustainable loans/financing as of December 31, 2027,
2021; amounts to Rp16,741.84 billion or an increase of 353.16% from
• Environmentally-friendly management of the internal environment; the total loans/sustainable financing as of December 31, 2022;
and • Total sustainable securities as of December 31, 2027, amounts
• The creation of a culture of prudential principles from the activities to Rp563.99 billion or an increase of 174.56% from the total
of collection and distribution of funds, which includes the social sustainable loans/financing as of December 31, 2022;
and environmental impacts of a negative nature of the financed • Increased debtor awareness of social responsibility and
project or activity. environmental sustainability; and
• Conformity between target and realization based on internal audit
assessment results.
Pencapaian RAKB Bank Ina Tahun 2023 Bank Ina’s RAKB Achievements in 2023
Bank Ina senantiasa mengukur pencapaian RAKB di setiap Bank Ina constantly measures RAKB achievements in each period
periodenya guna memantau perkembangan penerapan prinsip in order to monitor the development of implementation of
keuangan berkelanjutan. Berikut gambaran pencapaian RAKB sustainable finance principles. Here is an overview of Bank Ina’s
Bank Ina untuk tahun 2023. RAKB achievements for 2023.
Penanggung
Periode Jawab Status
Uraian Kegiatan Sumber Daya yang
Pelaksanaan Pelaksanaan Indikator Keberhasilan Pencapaian
Description of Dibutuhkan
Implementation Party in Success Indicator Achievement
Activities Required Resources
Period Charge of Status
Implementation
Menerbitkan Januari-Desember • Divisi Mikro • Divisi Mikro Banking • Meningkatkan penyaluran • Penyaluran kredit
produk program Banking • Divisi Manajemen Risiko kredit dengan skema KUR dengan skema
pengembangan • Digital Solutions • Divisi Retail Banking dan UMKM lainnya. KUR tercapai.
UMKM dan program & Partnership • Bagian Akuntansi dan • Meningkatkan penyaluran • Peluncuran
pembiayaan lain Perencanaan Keuangan kredit yang mendukung Layanan Digital
yang mendukung • Bagian Kepatuhan dan pelaksanaan portofolio hijau. berupa produk
program keuangan APU-PPT • Realisasi produk Laku Aplikasi Bina,
berkelanjutan, antara • Digital Solutions & Pandai. Pinjaman Digital
lain Laku Pandai, Partnership • Meningkatkan pencapaian Bina (modal usaha
Penyaluran KUR, produk Tabunganku dan untuk UMKM dan
Program Inti Plasma, Tabungan Simpel. penyaluran Loan
dan Digital Loan • Menerbitkan Program Channeling), dan
Channeling. Green Untung. Agen Bina.
Launched MSME January-December • Micro Banking • Micro Banking Division • Increased credit distribution • Credit distribution
development program Division • Risk Management with KUR and other MSME using KUR
products and other • Digital Solutions Division schemes. scheme was
financing programs & Partnership • Retail Banking Division • Increased credit distribution achieved.
that support sustainable • Accounting and Financial that supports the • Launching of
finance programs, Planning Department implementation of green Digital Services
among others • Compliance and AMLCTF portfolio. in the form of
Laku Pandai, KUR Department • Realization of Laku Pandai Bina Application
distribution, Inti Plasma • Digital Solutions & products. products, Bina
Program, and Digital Partnership • Improved the achievement Digital Loan
Loan Channeling. of Tabunganku and (business capital
Tabungan Simple products. for MSMEs
• Issued Green Untung and Loan
Programs. Channelling), and
Bina Agent.
PT Bank Ina Perdana Tbk
14 Laporan Tahunan 2023
Page 17
Penanggung
Periode Jawab Status
Uraian Kegiatan Sumber Daya yang
Pelaksanaan Pelaksanaan Indikator Keberhasilan Pencapaian
Description of Dibutuhkan
Implementation Party in Success Indicator Achievement
Activities Required Resources
Period Charge of Status
Implementation
Penyaluran kredit Januari-Desember • Divisi Komersial • Divisi Komersial Banking Jumlah kredit kegiatan usaha Jumlah kredit
dan penghimpunan Banking • Divisi Mikro Banking berkelanjutan akhir 2023 kegiatan usaha
dana masyarakat • Divisi Mikro • Divisi Retail Banking adalah 40,97% dari total berkelanjutan
yang memenuhi Banking kredit yang diberikan. akhir 2023 adalah
kriteria kegiatan usaha • Divisi Retail 33,67% dari
berkelanjutan. Banking total kredit yang
diberikan.
Distribution of loans January-December • Commercial • Commercial Banking The number of loans for The number of
and collection of public Banking Division Division sustainable business activities loans for sustainable
funds that meet the • Micro Banking • Micro Banking Division at the end of 2023 was business activities at
criteria for sustainable Division • Retail Banking Division 40.97% of the total loans. the end of 2023 was
business activities. • Retail Banking 33.67% of the total
Division loans.
Edukasi dan Januari-Desember • Fungsi LST Karyawan yang terkait • Sebanyak 25% dari total Sebanyak 34 orang
sosialisasi keuangan • Divisi Human alokasi dana 1% dari biaya pengurus, para karyawan Bank mengikuti
berkelanjutan. Capital pendidikan. di tingkat manajerial/ edukasi dan
pengambil keputusan, sosialisasi keuangan
mengikuti pelatihan analisis berkelanjutan.
lingkungan hidup tingkat
dasar atau sejenis.
• Sebanyak 20% dari analis
kredit telah mengikuti
pelatihan terkait AMDAL/
manajemen risiko sosial dan
lingkungan hidup.
Sustainable finance January-December • LST function Related employees • As much as 25% of A total of 34
education and • Human Capital allocation of 1% of tuition the total management, Bank employees
dissemination. Division fees. employees at managerial/ participated in
decision making sustainable finance
level, attended basic education and
environmental analysis dissemination.
training or similar.
• As much as 20% of credit
analysts have attended
training related to AMDAL/
social and environmental
risk management.
Penyusunan Laporan Januari-Maret Divisi Legal • Divisi Umum • Pihak yang menjadi Bank telah
Realisasi RAKB 2022. dan Sekretaris • Divisi Komersial Banking penanggung jawab RAKB menyusun Laporan
Perusahaan • Divisi Human Capital dapat menjalankan tugas Keberlanjutan 2022
• Divisi Manajemen Risiko dan tanggung jawab yang digabungkan
• Bagian Akuntansi dan masing-masing. dengan Laporan
Perencanaan Keuangan • Penyusunan Laporan Tahunan. Laporan
• Divisi Legal dan Sekretaris Keberlanjutan 2022. tersebut juga
Perusahaan • Terlaksananya kegiatan memuat kegiatan
• Divisi Retail Banking corporate social CSR yang dilakukan
responsibility (CSR). Bank selama tahun
2022.
Preparation of the January-March Legal and • General Division • Party in charge of RAKB The Bank
2022 RAKB Realization Corporate Secretary • Commercial Banking can perform the respective prepared the 2022
Report. Division Division duties and responsibilities. Sustainability
• Human Capital Division • Preparation of the 2022 Report, which is
• Risk Management Sustainability Report. integrated in the
Division • Implementation Annual Report. The
• Accounting and Financial of corporate social report also contains
Planning Department responsibility activities CSR activities
• Legal and Corporate (CSR). conducted by the
Secretary Division Retail Bank throughout
Banking Division 2022.
Pengembangan Januari-Maret Divisi Kebijakan dan • Divisi Kebijakan dan
kebijakan dan SOP Sisdur Sisdur
terkait kegiatan usaha • Fungsi LST
berkelanjutan.
Development of January-March Policy and System- • Policy and System-
policies and SOPs Procedure Division Procedure Division
related to sustainable • LST Function
business activities.
PT Bank Ina Perdana Tbk
2023 Annual Report 15
Page 18
Penanggung
Periode Jawab Status
Uraian Kegiatan Sumber Daya yang
Pelaksanaan Pelaksanaan Indikator Keberhasilan Pencapaian
Description of Dibutuhkan
Implementation Party in Success Indicator Achievement
Activities Required Resources
Period Charge of Status
Implementation
Pengendalian internal Januari-Desember Divisi Audit Internal Fungsi LST
pelaksanaan RAKB.
Internal control of January-December Internal Audit LST function
RAKB implementation. Division
Pengukuran Desember • Fungsi LST • Divisi Audit Internal
pencapaian RAKB. • Kepatuhan dan • Kepatuhan dan APU-PPT
APU-PPT
Internal control of December • LST Function • Internal Audit Division
RAKB implementation. • Compliance and • Compliance and AML-
AML-CTF CTF
Bank Ina melakukan pemetaan dukungan pada TPB berdasarkan Bank Ina mapped its support for SDGs based on the priority of
prioritas kegiatan RAKB 2023 serta pelaksanaan program sosial activities of RAKB 2023 as well as the implementation of social
dan lingkungan, sebagaimana diungkapkan berikut. and environmental programs, as disclosed below.
Memastikan kehidupan yang sehat dan mendukung kesejahteraan bagi semua untuk semua usia.
Ensure healthy lives and promoting well-being for all at all ages.
Memastikan pendidikan yang inklusif dan berkualitas setara, juga mendukung kesempatan belajar
seumur hidup bagi semua.
Ensure inclusive and equitable quality education, while promoting lifelong learning opportunities for all.
Mencapai kesetaraan gender dan memberdayakan semua perempuan dan anak perempuan.
Achieve gender equality and empower all women and girls.
Mendukung pertumbuhan ekonomi yang inklusif dan berkelanjutan, tenaga kerja penuh dan produktif
dan pekerjaan yang layak bagi semua.
Promote sustained, inclusive, and sustainable economic growth, full and productive employment and
decent work for all.
Mengambil aksi segera untuk memerangi perubahan iklim dan dampaknya.
Take urgent action to combat climate change and its impacts.
PT Bank Ina Perdana Tbk
16 Laporan Tahunan 2023
Page 19
Penentuan Isi dan Topik Material
Determination of Content And Material Topics
Pelibatan Pemangku Kepentingan [POJK51-E.4] Stakeholder Engagement [POJK51-E.4]
Bank Ina memetakan kelompok pemangku kepentingan Bank Ina maps stakeholder groups based on their proximity
berdasarkan kedekatan dan pengaruh mereka terhadap Bank. and influence on the Bank. Each of these stakeholders also has
Masing-masing pemangku kepentingan tersebut juga memiliki a different perspective on the management of important issues
sudut pandang yang berbeda terhadap pengelolaan isu penting relevant to the Bank's business activities, including issues related
yang relevan dengan aktivitas bisnis Bank, termasuk isu-isu to sustainability. Each stakeholder's key issue is used as the basis
terkait aspek keberlanjutan. Setiap isu-isu penting dari pemangku for determining the focus of this report.
kepentingan dijadikan dasar dalam menentukan fokus penyajian
laporan ini.
Sementara itu, identifikasi pemangku kepentingan Bank Ina Meanwhile, the identification of Bank Ina's stakeholders refers to
merujuk pada AA1000 Stakeholder Engagement Standard (SES) the AA1000 Stakeholder Engagement Standard (SES) 2015, as
2015, sebagai berikut. follows.
Pengaruh
Influence
Pihak yang memberikan pengaruh terhadap pengambilan keputusan yang dilakukan oleh Bank terkait keberlangsungan usaha.
Party that influences decision making by the Bank regarding business continuity.
Ketergantungan
Dependency
Bank memiliki ketergantungan terhadap pihak tersebut, baik secara langsung maupun tidak langsung.
The Bank has dependency on this party, either directly or indirectly.
Tanggung Jawab
Responsibility
Bank memiliki tanggung jawab, baik saat ini atau di masa yang akan datang, terhadap pihak tersebut.
The Bank has a responsibility, either now or in the future, to this party.
Perhatian
Attention
Pihak tersebut membutuhkan perhatian dari Bank terkait isu ekonomi, sosial, atau lingkungan hidup.
This party requires attention from the Bank regarding economic, social, or environmental issues.
Perspektif
Perspective
Pihak tersebut dapat memberikan sudut pandang baru yang sebelumnya belum ada terhadap isu penting yang relevan.
The party can provide a new point of view that did not previously exist on important relevant issues.
PT Bank Ina Perdana Tbk
2023 Annual Report 17
Page 20
Adapun hasil pemetaan dan kebutuhan pemangku kepentingan The results of mapping stakeholders’ needs along with the
beserta respons yang perlu dilakukan oleh Bank, diungkapkan responses that need to be responded by the Bank are disclosed in
pada tabel berikut. the following table.
Kelompok Kebutuhan Respons terhadap
Frekuensi
Pemangku Pemangku Kebutuhan Pemangku Metode Pelibatan
Dasar Pemilihan Pelaksanaan
Kepentingan Kepentingan Kepentingan Engagement
Selection Basis Implementation
Stakeholder Stakeholder Response to Stakeholder Method
Frequency
Group Needs Needs
Karyawan • Tanggung Jawab; • Hak-hak • Memberikan upah yang layak, • Penyelenggaraan Setiap tahun atau
• Ketergantungan; karyawan; sesuai ketentuan yang berlaku; gathering karyawan sesuai rencana
• Pengaruh; dan • Pelatihan dan • Memenuhi kontrak kerja dan dan focus group pelaksanaan
• Perhatian. pengembangan perjanjian kerja bersama; discussion (FGD); program.
• Kesetaraan dan • Memberikan kesempatan • Penyediaan
kesempatan; kepada karyawan wanita whistleblowing
• Pengembangan untuk menduduki posisi system (WBS)
karier; strategis di Bank; untuk melaporkan
• Pengalaman • Melaksanakan pendidikan/ pelanggaran hak-hak
bekerja yang pelatihan, penilaian kinerja, karyawan atau praktik
berharga dan dan pengembangan karier; ketenagakerjaan di
menyenangkan; • Memastikan kecukupan sarana lingkungan Bank;
• Pemenuhan dan prasarana kerja; dan • Pelaksanaan berbagai
aspek kesehatan • Memberikan kejelasan waktu program pendidikan/
dan keselamatan kerja dan cuti. pelatihan, serta
kerja (K3); serta promosi atau mutasi;
• Work life balance. dan
• Pelaksanaan survei
kepuasan karyawan.
Employee • Responsibility; • Employee rights; • Provide a decent wage, • Organizing employee Annually or
• Dependency; • Training and according to the applicable gatherings and focus according
• Influence; and development provisions; group discussions to program
• Attention. • Equality and • Comply with work contracts (FGD); implementation
opportunity; and collective labour • Providing a plan.
• Career agreements; whistleblowing system
development; • Provide opportunities for (WBS) to report
• Valuable and female employees to occupy violations of employee
enjoyable work strategic positions in the Bank; rights or employment
experience; • Conduct education/training practices within the
• Fulfilment of programs, performance Bank;
occupational assessment, and career • Conducting various
health and safety development; education/training
(OHS) aspects; • Ensure adequacy of programs, as well
and occupational facilities and as promotions or
• Work life balance. infrastructure; and transfers; and
• Provide clarity on working • Conducting employee
hours and leave. satisfaction surveys.
Nasabah • Tanggung Jawab; • Keamanan dan • Meningkatkan kualitas • Pelaksanaan customer Sepanjang tahun
• Ketergantungan; kemudahan layanan, termasuk dalam hal gathering; atau sesuai
• Pengaruh; dan transaksi teknologi informasi; • Penyediaan layanan kebutuhan.
• Perhatian. perbankan; • Memberikan perlindungan Call Center; serta
• Fasilitas simpanan dan kerahasiaan • Pelaksanaan survei
perbankan dan data nasabah; serta kepuasan nasabah.
kemudahan • Menyediakan informasi yang
akses; serta lengkap dan transparan
• Informasi produk terkait produk dan jasa Bank
dan layanan melalui situs web atau brosur
dan jelas dan yang tersedia di setiap kantor
transparan. cabang.
Customer • Responsibility; • Security and • Improve service quality, • Conducting customer All year round or as
• Dependency; convenience including in terms of gatherings; needed
• Influence; and of banking information technology; • Providing Call Centre
• Attention. transactions; • Provide protection of deposits services; and
• Banking facilities and confidentiality of • Conducting customer
and easy access; customer data; and satisfaction surveys.
and • Provide complete and
• Clear and transparent information
transparent regarding the Bank’s products
product and services through the
and service website or brochures available
information. at each branch office.
PT Bank Ina Perdana Tbk
18 Laporan Tahunan 2023
Page 21
Kelompok Kebutuhan Respons terhadap
Frekuensi
Pemangku Pemangku Kebutuhan Pemangku Metode Pelibatan
Dasar Pemilihan Pelaksanaan
Kepentingan Kepentingan Kepentingan Engagement
Selection Basis Implementation
Stakeholder Stakeholder Response to Stakeholder Method
Frequency
Group Needs Needs
Mitra Kerja • Tanggung Jawab; • Hubungan • Menjalin kerja sama yang adil • Perumusan kontrak Sepanjang tahun
dan yang saling dan transparan, sesuai dengan kerja sama; serta atau sesuai
• Ketergantungan. menguntungkan; peraturan pada perjanjian/ • Pelaksanaan kebutuhan.
serta kontrak kerja; pertemuan berkala.
• Proses pengadaan • Membangun hubungan kerja
barang/jasa yang harmonis dengan mitra
yang adil dan kerja; serta
transparan. • Memenuhi kewajiban dalam
perjanjian/kontrak kerja.
Business Partners • Responsibility; • Mutually • Establish fair and transparent • Formulating All year round or as
and beneficial cooperation in accordance cooperation contracts; needed.
• Dependency. relationship; and with regulations on work and
• Fair and agreement/contract; • Conducting periodic
transparent • Build a harmonious working meetings.
goods/services relationship with business
procurement partners; and
process. • Fulfil the obligations in the
work agreement/contract.
Pemegang Saham • Tanggung Jawab; • Kinerja keuangan • Menyusun Rencana Bisnis • Pelaksanaan Rapat Setiap tahun,
• Perspektif; dan dan non- Bank (RBB) dan RAKB; Umum Pemegang sesuai waktu yang
• Pengaruh. keuangan; • Menjaga kinerja Bank tetap Saham (RUPS) dan ditentukan atau,
• Kinerja optimal dan sesuai target, Paparan Publik; sesuai kebutuhan.
lingkungan, dengan memperhatikan • Penyampaian Laporan
sosial, dan tata aspek ekonomi, sosial, dan Tahunan; serta
kelola (LST); lingkungan; • Penyediaan sarana
• Pertumbuhan • Menerapkan tata kelola akses informasi.
nilai saham; serta perusahaan (GCG) secara
• Penerapan optimal;
prinsip keuangan • Pengelolaan manajemen risiko
berkelanjutan. dan reputasi; serta
• Keterbukaan informasi.
Shareholder • Responsibility; • Financial and • Prepare the Bank Business Plan • Organizing the Annually, at set
• Perspective; and non-financial (RBB) and RAKB; General Meeting of times or, as needed.
• Influence. performance; • Maintain the Bank’s Shareholders (GMS)
• Environmental, performance to remain and Public Expose;
social and optimal and on target, by • Submitting Annual
governance (ESG) observing economic, social, Report; and
performance; and environmental aspects; • Providing channels for
• Stock value • Implement good corporate access to information.
growth; and governance (GCG) optimally;
• Implementation • Manage risk and reputation
of sustainable management; and
finance principles. • Information disclosure.
Pemerintah • Tanggung Jawab; • Kepatuhan atas • Memastikan pemenuhan • Penyampaian Laporan Sesuai waktu yang
dan peraturan dan seluruh peraturan yang Tahunan, Laporan ditentukan, sesuai
• Pengaruh. perundang- berlaku bagi Bank; Keuangan, Laporan kebutuhan, atau
undangan; • Meningkatkan kualitas GCG, dan laporan setiap tahun.
• Penyampaian pelaksanaan GCG; lainnya dengan tepat
beragam laporan • Menyampaikan setiap laporan waktu; serta
yang wajib; serta dengan tepat waktu; serta • Pembayaran dan
• Pemenuhan • Membayar pajak dan pelaporan pajak dan
kewajiban penerimaan negara bukan PNBP.
perpajakan. pajak (PNBP).
Government • Responsibility; • Compliance • Ensure compliance with all • Submission of Annual At a set time, as
and with laws and regulations applicable to the Report, Financial needed, or annually.
• Influence. regulations; Bank; Statements, GCG
• Submission • Improve the quality of GCG Report, and other
of various implementation; reports in a timely
mandatory • Submit each report in a timely manner; and
reports; and manner; and • Paying and reporting
• Fulfilment of tax • Pay taxes and non-tax state taxes and PNBP.
obligations. revenue (PNBP).
PT Bank Ina Perdana Tbk
2023 Annual Report 19
Page 22
Kelompok Kebutuhan Respons terhadap
Frekuensi
Pemangku Pemangku Kebutuhan Pemangku Metode Pelibatan
Dasar Pemilihan Pelaksanaan
Kepentingan Kepentingan Kepentingan Engagement
Selection Basis Implementation
Stakeholder Stakeholder Response to Stakeholder Method
Frequency
Group Needs Needs
Hubungan • Tanggung Jawab; • Dampak • Melaksanakan kegiatan TJSL • Pelaksanaan program Sesuai rencana
Kemasyarakatan/ Ketergantungan; dan kinerja dengan turut melibatkan TJSL; pelaksanaan
Organisasi Sosial/ • Perhatian; dan lingkungan; organisasi sosial/lembaga • Penyediaan WBS program atau sesuai
Lembaga Swadaya • Perspektif. • Program swadaya masyarakat; untuk menyampaikan kebutuhan.
Masyarakat, dan tanggung • Memberikan pemahaman dan pengaduan
Media jawab sosial dan perannya dalam penerapan masyarakat;
lingkungan (TJSL); keuangan berkelanjutan Bank; • Pemutakhiran
• Kesempatan serta informasi pada situs
untuk • Menyediakan informasi yang web Bank dan Bursa
berkolaborasi relevan dan transparan melalui Efek Indonesia; serta
dalam program situs web Bank. • Pelaksanaan paparan
TJSL; publik dan press
• Informasi release/conference.
kegiatan Bank;
serta
• Pemahaman
mengenai
keuangan
berkelanjutan.
Community • Responsibility; • Environmental • Conduct TJSL activities by • Conducting TJSL According to
Relations/Social • Dependency; impact and involving social organizations/ program; the program
Organizations/ • Attention; and performance; non-governmental • Providing WBS implementation
Non-Governmental • Perspective. • Social and organizations; to receive public plan or as needed.
Organizations, and environmental • Provide understanding and complaint;
Media responsibility role in implementing the • Updating information
program (TJSL); Bank’s sustainable finance; on the Bank’s website
• Opportunity to and and Indonesia Stock
collaborate in • Provide relevant and Exchange’s website;
TJSL program; transparent information and
• Information on • through the Bank’s website. • Conducting public
Bank activities; expose and press
and release/conference.
• Understanding
of sustainable
finance.
Topik Material Material Topics
Tidak terdapat perubahan topik material pada Laporan Tahunan There were no material topic changes in Bank Ina’s 2023 Annual
Bank Ina tahun 2023 dibandingkan periode pelaporan tahun Report compared to the previous year’s report. This is because
sebelumnya. Hal ini dikarenakan natur bisnis yang dijalankan the nature of the business is still the same, although the Bank
masih sama, meskipun Bank mulai bertransformasi menjadi has begun to transform into a Hybrid Bank through the launch of
Bank Hybrid melalui peluncuran Layanan Digital. Digital Service.
Topik Material Alasan Bersifat Material
Material Topics Material Reasons
Aspek Ekonomi
Economic Aspect
Nilai Ekonomi Langsung yang Dihasilkan dan Distribusikan Menggambarkan pencapaian dan kinerja Bank selama tahun pelaporan.
Direct Economic Value Generated and Distributed Describe the Bank’s achievements and performance during the reporting year.
Dampak Ekonomi Tidak Langsung Menggambarkan manfaat atas keberadaan Bank bagi masyarakat.
Indirect Economic Impact Describe the benefits of the Bank’s existence for the community.
Praktik Pengadaan Menggambarkan komitmen Bank terhadap keberadaan dan keberlangsungan ekonomi
pemasok lokal.
Procurement Practice Describe the Bank’s commitment to the existence and economic sustainability of local suppliers.
Anti Korupsi Menggambarkan komitmen Bank untuk menyelenggarakan kegiatan operasional secara
bersih, jujur, dan transparan.
Anti-Corruption Describe the Bank’s commitment to conducting operational activities in a clean, honest, and
transparent manner.
Bersaing Sehat/Anti Monopoli Menggambarkan komitmen Bank untuk bersaing secara sehat, menghindari praktik bisnis
yang tidak terpuji.
Healthy Competition/Anti-Monopoly Describe the Bank’s commitment to fair competition, avoiding unsavoury business practices
PT Bank Ina Perdana Tbk
20 Laporan Tahunan 2023
Page 23
Topik Material Alasan Bersifat Material
Material Topics Material Reasons
Aspek Sosial
Material Topics
Ketenagakerjaan Menggambarkan komitmen Bank tentang pentingnya pengelolaan karyawan/SDM.
Employment Describe the Bank’s commitment to the importance of managing employees/HR.
Kesehatan dan Keselamatan Kerja Menggambarkan komitmen Bank dalam menyediakan tempat kerja yang aman dan
nyaman.
Occupational Health and Safety Describe the Bank’s commitment to providing a safe and comfortable workplace.
Pelatihan dan Pendidikan Menggambarkan komitmen Bank dalam upaya meningkatkan kompetensi karyawan.
Training and Education Describe the Bank’s commitment to making efforts to improve employees’ competencies.
Keanekaragaman dan Kesempatan yang Setara Menggambarkan komitmen Bank dalam menghargai keberagaman dan kesetaraan untuk
maju dan berkembang.
Diversity and Equal Opportunity Describe the Bank’s commitment to respecting diversity and equality to progress and
develop.
Non-Diskriminasi Menggambarkan komitmen Bank dalam menghargai kesamaan antar sesama.
Non-Discrimination Describe the Bank’s commitment to respecting similarities among people.
Praktik Pengamanan Menggambarkan komitmen Bank dalam menyediakan petugas keamanan yang mampu
menghargai hak asasi manusia.
Security Practices Describe the Bank’s commitment to providing security officers who respect human rights.
Penilaian Hak Asasi Manusia Menggambarkan komitmen Bank Ina terhadap hak asasi manusia sehingga tidak terjadi
pelanggaran karena bisa berdampak buruk pada operasional Bank.
Human Rights Assessment Describe Bank Ina’s commitment to human rights so that no violations occur that can have
a negative impact on the Bank’s operations.
Kesehatan dan Keselamatan Nasabah Menggambarkan komitmen Bank dalam memberikan pelayanan terbaik sehingga nasabah
bisa memanfaatkan produk Bank secara aman dan nyaman.
Customer Health and Safety Describe the Bank’s commitment to providing the best service so that customers can utilize
the Bank’s products safely and comfortably.
Privasi Nasabah Menggambarkan komitmen Bank dalam menjaga kerahasiaan data nasabah.
Customer Privacy Describe the Bank’s commitment to maintaining customer data confidentiality.
Kepatuhan Sosial Ekonomi Menggambarkan komitmen Bank dalam menaati peraturan tentang sosial-ekonomi, seperti
ketenagakerjaan, bersaing sehat, dan non-diskriminasi.
Socio-Economic Compliance Describe the Bank’s commitment to complying with socio-economic regulations, such as
employment, healthy competition, and non-discrimination.
Literasi dan Inklusi Keuangan Menggambarkan komitmen Bank dalam memberikan pemahaman bagi masyarakat
terkait manfaat produk dan jasa perbankan yang sangat penting dalam meningkatkan
kesejahteraan ekonomi dan sosial.
Financial Literacy and Inclusion Describe the Bank’s commitment to providing understanding to the public regarding
the benefits of banking products and services, which are very important in improving
economic and social welfare.
Aspek Lingkungan
Environmental Aspect
Energi Menggambarkan komitmen Bank dalam melakukan efisiensi penggunaan energi karena
aktivitas operasional menggunakan energi yang cukup besar.
Energy Describe the Bank’s commitment to performing efficiency in energy use because the
operational activities use a large amount of energy.
Penggunaan Kertas Menggambarkan komitmen Bank untuk melakukan penghematan kertas sebagai bentuk
kepedulian terhadap lingkungan.
Use of Paper Describe the Bank’s commitment to saving paper as a form of concern for the environment.
Verifikasi Tertulis dari Pihak Independen Written Verification from Independent Party
[POJK51-G.1] [POJK51-G.1]
Laporan Tahunan ini belum diverifikasi oleh pihak independen. This Annual Report has not been verified by an independent
Namun, Bank memastikan bahwa laporan ini telah bersumber party. However, the Bank ensures that this report uses correct and
dari data yang benar dan mampu dipertanggungjawabkan, accountable sources of data, and is presented in accordance with
serta disajikan sesuai dengan prinsip-prinsip keberlanjutan. Ke the sustainability principles. To the future, the Bank will consider
depannya, Bank akan mempertimbangkan untuk melaksanakan conducting verification in order to improve the quality of the
verifikasi guna meningkatkan kualitas laporan yang dihasilkan. report.
PT Bank Ina Perdana Tbk
2023 Annual Report 21
Page 24
Kilas Kinerja
2023
2023 Performance
Highlights
01
PT Bank Ina Perdana Tbk
22 Laporan Tahunan 2023
Page 25
PT Bank Ina Perdana Tbk
2023 Annual Report 23
Page 26
Kilas Kinerja 2023
2023 Performance Highlights
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Keberlanjutan Kinerja Ekonomi [POJK51-B.1] [POJK51-C.3]
Sustainability of Financial Performance
Kinerja Keuangan
Financial Performance
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Uraian 2023 2022 2021 2020 2019 Description
Laba (Rugi) dan Penghasilan Komprehensif Lainnya Profit (Loss) and Other Comprehensive Income
Pendapatan (Beban) Bunga Interest Income (Expense)
Pendapatan Bunga 1.726.605 1.172.750 673.334 430.256 353.519 Interest Income
Beban Bunga (1.016.631) (613.873) (461.747) (261.553) (203.573) Interest Expense
Pendapatan Bunga - Neto 709.974 558.877 211.587 168.703 149.946 Interest Income - Net
Pendapatan Operasional
59.237 30.233 97.372 73.208 20.165 Other Operating Income
Lainnya
Beban Operasional Lainnya (501.680) (386.257) (258.782) (213.290) (160.171) Other Operating Expenses
Laba Sebelum Beban Pajak 267.531 202.853 50.177 28.621 9.940 Income Before Tax Expense
Beban Pajak - Neto (59.655) (45.805) (10.429) (9.245) (2.825) Tax Expense - Net
Laba Bersih Tahun Berjalan 207.876 157.048 39.748 19.376 7.115 Net Income for the Year
Penghasilan (Beban) Other Comprehensive Income
Komprehensif Lain (Loss).
Pos-Pos yang Tidak Akan Items that will not be
Direklasifikasi ke Laba Rugi: Reclassified to Profit or Loss:
Pengukuran Kembali Liabilitas Remeasurement of Employee
(1.403) 255 566 (1.687) 60
Imbalan Kerja Benefit Liabilities
Pajak Penghasilan Terkait 309 (55) (94) 346 (15) Related Income Tax
(1.094) 200 472 (1.341) 45
Pos-Pos yang Akan Items that May Be Reclassified
Direklasifikasi ke Laba Rugi: to Profit and Loss:
Keuntungan (Kerugian)
Unrealized Gain (Loss)
yang Belum Direalisasi atas
on Changes in Fair Value
Perubahan Nilai Wajar Efek-Efek
64.117 (48.844) (85.618) 53.690 7.846 of Marketable Securities
yang Diklasifikasikan sebagai
Classified as Fair Value through
Nilai Wajar melalui Penghasilan
Comprehensive Income
Komprehensif
Cadangan Kerugian Penurunan
Allowance for Impairment
Nilai atas Efek-Efek yang
Losses on Marketable Securities
Diklasifikasikan sebagai Nilai 11.273 547 143 10 -
Classified as Fair Value through
Wajar melalui Penghasilan
Other Comprehensive Income
Komprehensif Lain
Pajak Penghasilan Terkait (14.102) 10.754 17.684 (10.514) (1.962) Related Income Tax
61.288 (37.543) (67.791) 43.186 5.884
Penghasilan (Beban)
Other Comprehensive Income
Komprehensif Lainnya Tahun 60.194 (37.343) (67.319) 41.845 5.929
(Loss) for the Year - Net of Tax
Berjalan - Setelah Pajak
Total Penghasilan Total Comprehensive Income
268.070 119.705 (27.571) 61.221 13.044
Komprehensif Tahun Berjalan for the Year
Laba per Saham Dasar dan Basic and Diluted Earnings
33,89 26,45 7,03 3,43 1,26
Dilusian (Nilai Penuh) per Share (Full Amount)
PT Bank Ina Perdana Tbk
24 Laporan Tahunan 2023
Page 27
Uraian 2023 2022 2021 2020 2019 Description
Posisi Keuangan Financial Position
Total Aset 24.384.580 20.552.736 15.055.850 8.437.685 5.262.429 Total Assets
Aset Produktif Bersih 22.744.957 19.010.506 13.237.083 8.006.610 4.691.821 Net Earning Assets
Pinjaman Diterima - - - - - Loan Received
Total Ekuitas 3.556.158 3.288.088 2.373.675 1.217.144 1.221.096 Total Equity
Total Liabilitas 20.828.422 17.264.648 12.682.175 7.220.541 4.041.333 Total Liabilities
Total Biaya Dana (%) 5,22 3,73 4,51 6,09 6,90 Total Cost of Funds (%)
Jumlah Lembar Saham yang
Number of Issued and Paid-up
Ditempatkan dan Disetor 6.135 5.937 5.937 2.725 2.725
Shares (million shares)
(juta lembar)
Arus Kas Cash Flows
Arus Kas dari (untuk) Aktivitas Cash Flows from (for) Operating
72.808 (247.730) 3.434.690 2.269.456 415.100
Operasi Activities
Arus Kas untuk Aktivitas Investasi 467.063 (1.209.010) (1.506.126) (1.224.925) (403.698) Cash Flows for Investing Activities
Arus Kas dari (untuk) Aktivitas Cash Flows from (for) Financing
(24.823) 778.589 1.166.050 (16.409) 1.063.997
Pendanaan Activities
Kenaikan (Penurunan) Bersih Net Increase (Decrease) in Cash
515.048 (678.151) 3.094.614 1.028.122 11.402
Kas dan Setara Kas (Net) and Cash Equivalents (Net)
Posisi Kas dan Setara Kas di Position of Cash and Cash
4.508.582 5.186.733 2.092.119 1.063.997 1.052.595
Awal Tahun Equivalents at Beginning of Year
Posisi Kas dan Setara Kas di Position of Cash and Cash
5.023.630 4.508.582 5.186.733 2.092.119 1.063.997
Akhir Tahun Equivalents at End of Year
Rasio-Rasio Keuangan dan Kepatuhan (%) Financial and Compliance Ratios (%)
Permodalan Capital
Rasio Kewajiban Penyediaan
Capital Adequacy Ratio
Modal Minimum
Dengan Memperhitungkan By Calculating Credit and
26,16 31,13 54,75 40,11 37,41
Risiko Kredit dan Operasional Operations Risk
Dengan Memperhitungkan
By Calculating Credit,
Risiko Kredit, Operasional, 26,10 31,12 53,14 40,08 37,41
Operations, and Market Risks
dan Pasar
Aset Produktif Earning Assets
Rasio Kredit Bermasalah (NPL) Non-Performing Loans (NPL)
3,44 1,73 2,62 1,43 4,76
- Kotor - Gross
Rasio Kredit Bermasalah (NPL) Non-Performing Loans (NPL)
1,69 0,55 1,64 0,20 3,10
- Bersih - Net
Aset Produktif Bermasalah 1,75 0,79 0,74 0,52 2,51 Non-Performing Earning Assets
Cadangan Kerugian Penurunan Allowance for Impairment
Nilai (CKPN) Aset Keuangan 1,48 1,25 1,08 1,28 1,25 Losses (CKPN) of Financial
terhadap Aset Produktif Assets to Earning Assets
Rentabilitas Profitability
Imbal Hasil atas Aset (ROA) 1,17 1,09 0,44 0,51 0,23 Return on Assets (ROA)
Imbal Hasil atas Ekuitas (ROE) 6,14 6,57 3,19 1,69 0,60 Return on Equity (ROE)
Biaya Operasional terhadap Operating Costs to Operating
84,37 82,43 92,42 93,80 96,80
Pendapatan Operasional (BOPO) Income (BOPO)
Margin Bunga Bersih (NIM) 3,12 3,49 2,25 3,40 3,78 Net Interest Margin (NIM)
Liabilitas terhadap Ekuitas 585,70 525,07 534,28 593,24 330,96 Debt to Equity
Liabilitas terhadap Aset 85,41 84,00 84,23 85,57 76,80 Debt to Assets
Likuiditas Liquidity
Rasio Kredit terhadap Total
65,60 63,06 29,67 41,26 62,94 Loans to Funding Ratio (LFR)
Pendanaan (LFR)
Kepatuhan Compliance
Persentase Pelanggaran BMPK Percentage of LLL Violations
Pihak Terkait - - - - - Related Parties
Pihak Tidak Terkait - - - - - Non-Related Parties
PT Bank Ina Perdana Tbk
2023 Annual Report 25
Page 28
Kilas Kinerja 2023
2023 Performance Highlights
Uraian 2023 2022 2021 2020 2019 Description
Persentase Pelampauan BMPK Percentage of LLL Excess
Pihak Terkait - - - - - Related Parties
Pihak Tidak Terkait - - - - - Non-Related Parties
Giro Wajib Minimum (GWM) Minimum Statutory Re-serves
15,87 17,61 21,65 3,09 8,31
- Rupiah (GWM) - Rupiah
Giro Wajib Minimum (GWM) - Minimum Statutory Re-serves
6,24 4,58 10,34 4,28 -
Valuta Asing (GWM) - Foreign Currency
Posisi Devisa Neto 0,00 0,00 0,13 0,18 - Net Open Position
Transaksi Spot dan Derivatif 1.471 783 310 - - Spot and Derivative Transactions
Kinerja Operasional
Operating Performance
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Uraian 2023 2022 2021 2020 2019 Description
Pinjaman yang
12.677.186 9.749.245 3.709.335 2.931.448 2.519.213 Loan Received
Diberikan
Dana Pihak Ketiga 19.315.909 15.462.825 12.502.036 7.104.540 4.002.762 Third-Party Funds
Pemasaran dan Kredit Marketing and Loans
Total Pendapatan 1.171.868 678.539 316.132 266.761 226.202 Total Income
Total Beban (1.108.172) (710.952) (521.263) (319.176) (232.072) Total Expense
Treasury Treasury
Total Pendapatan 579.874 491.471 434.786 219.909 134.710 Total Income
Total Beban (26.334) (3.543) (2.418) (807) (2.267) Total Expense
Trade Finance Trade Finance
Total Pendapatan 14.186 16.410 3.549 115 130 Total Income
Total Beban (60) (56) (166) - - Total Expense
Keberlanjutan Kinerja Sosial [POJK51-B.3]
Sustainability of Social Performance
Satuan
Uraian 2023 2022 2021 2020 2019 Description
Unit
Pengelolaan Karyawan Employee Management
Orang
Total Karyawan 997 739 619 585 521 Total Employees
People
Orang
Total Karyawan Wanita 349 231 198 175 147 Total Female Employees
People
Peserta
Pelatihan Karyawan 3.807 3.738 2.817 2.951 2.349 Employee Training
Participant
Pengembangan Sosial dan Kemasyarakatan Social and Community Development
Program
Jenis Kegiatan 4 6 9 4 4 Type of Activity
Program
Biaya Investasi Sosial Rupiah 213.958.850 206.966.905 317.163.270 280.919.695 219.495.029 Social Investment Cost
PT Bank Ina Perdana Tbk
26 Laporan Tahunan 2023
Page 29
Keberlanjutan Kinerja Lingkungan Hidup [POJK51-B.2]
Sustainability of Environmental Performance
Satuan
Uraian 2023 2022 2021 2020 2019 Description
Unit
Financing of
Pembiayaan Kegiatan jutaan Rupiah
4.268.348 3.401.435 978.012 1.072.983 - Sustainable Business
Usaha Berkelanjutan million Rupiah
Activities
jutaan Rupiah
Penggunaan Listrik 2.047 1.879 1.352 1.287 1.148 Use of Electricity
million Rupiah
Penggunaan Bahan jutaan Rupiah
2.165 1.672 1.279 1.182 1.169 Use of Fuel Oil
Bakar Minyak (BBM) million Rupiah
jutaan Rupiah
Penggunaan Air 131 90 68 65 53 Use of Water
million Rupiah
Penggunaan Kertas Rim / Ream 2.138 1.392 1.284 880 1.201 Use of Paper
Ikhtisar Saham
Share Highlights
Jumlah
Volume Saham
Kapitalisasi
Harga Harga Harga Perdagangan Beredar
Pasar
Tahun Periode Tertinggi Terendah Penutupan (Lembar) (Lembar)
Market
Year Period Highest Price Lowest Price Closing Price Trading Total
Capitalization
(Rp) (Rp) (Rp) Volume Outstanding
(Rp)
(Share) Shares
(Share)
Kuartal I
4.020 3.930 4.020 4.058.800 6.073.369.498 24.414.945.381.960
1st Quarter
Kuartal II
3.990 3.890 3.970 4.296.000 6.073.369.498 24.111.276.907.060
2nd Quarter
2023
Kuartal III
3.950 3.610 3.850 7.761.900 6.073.369.498 23.382.472.567.300
3rd Quarter
Kuartal IV
4.400 4.090 4.090 9.217.500 6.073.369.498 24.840.081.246.820
4th Quarter
Kuartal I
3.860 3.430 3.670 20.950.100 5.877.722.813 21.571.242.723.710
1st Quarter
Kuartal II
4.040 3.720 3.830 16.204.900 5.877.722.813 22.511.678.373.790
2nd Quarter
2022
Kuartal III
3.900 3.650 3.870 8.493.800 5.877.722.813 22.746.787.286.310
3rd Quarter
Kuartal IV
4.010 3.850 3.990 9.580.300 6.073.369.498 24.232.744.297.020
4th Quarter
PT Bank Ina Perdana Tbk
2023 Annual Report 27
Page 30
Kilas Kinerja 2023
2023 Performance Highlights
Grafik Pergerakan Harga Penutupan Saham dan Volume Perdagangan
Graph of Movement of Closing Price and Trading Volume
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Number of Share) Closing Price (Rp)
12.000.000 5.000
4.500
10.000.000
4.000
3.500
8.000.000
3.000
6.000.000 2.500
2.000
4.000.000 1.500
1.000
2.000.000
500
- -
r
r
g
g
ar
ar
v
v
b
ct
b
ct
c
c
ay
ay
l
l
n
n
p
p
Ap
Ap
n
n
Ju
Ju
No
No
Au
Au
De
De
Fe
Fe
Ju
Ju
Se
Se
M
M
O
O
Ja
Ja
M
2022 M 2023
Volume Perdagangan (Lembar Saham) Harga Penutupan
Trading Volume (Number of Share) Closing Price
Aksi Korporasi Corporate Action
Pada tahun 2023, Bank Ina tidak melakukan aksi korporasi, baik In 2023, Bank Ina did not conduct any corporate actions, either in
dalam bentuk pemecahan saham, penggabungan saham, dividen the form of stock split, reverse stock, stock dividend, bonus stock
saham, pembagian saham bonus, maupun perubahan nilai distributions, or changes in the nominal value of shares.
nominal saham.
Aktivitas Perdagangan Saham Stock Trading Activity
Sepanjang tahun 2023, Bank Ina tidak menerima sanksi dari Bursa Throughout 2023, Bank Ina did not receive any sanctions from
Efek Indonesia, baik berupa penghentian sementara perdagangan the Indonesia Stock Exchange, either in the form of temporary
saham dan/atau pembatalan pencatatan saham. suspension of share trading and/or delisting of share.
Ikhtisar Obligasi
Bonds Highlights
Sepanjang tahun 2023, Bank tidak menerbitkan obligasi, sukuk, Throughout 2023, the Bank did not issue bonds, sukuk, or
maupun obligasi konversi. convertible bonds.
PT Bank Ina Perdana Tbk
28 Laporan Tahunan 2023
Page 31
Peristiwa Penting
Significant Events
JANUARI / JANUARY 2023 9 JANUARI / JANUARY 2023 25
Pelaksanaan RUPS Luar Biasa. Soft Opening Kantor Cabang Tegal.
Implementation of Extraordinary GMS. Soft opening of Tegal Branch Office
JANUARI / JANUARY 2023 27-28 FEBRUARI / FEBRUARY 2023 15
Pelaksanaan Rapat Kerja Nasional Tahun 2023 di Royal Malioboro Peresmian Kantor Cabang Palu.
Hotel, Yogyakarta dengan tema “Pursuing Prudent and Effective Inauguration of Palu Branch Office.
Growth”.
Implementation of 2023 National Work Meeting at Royal
Malioboro Hotel, Yogyakarta, with the theme “Pursuing Prudent
and Effective Growth”.
MARET / MARCH 2023 1 MEI / MAY 2023 11
Peresmian Kantor Cabang Tegal. Peresmian kantor cabang di Indogrosir Sukabumi.
Inauguration of Tegal branch office. Inauguration of Indogrosir Sukabumi branch office.
PT Bank Ina Perdana Tbk
2023 Annual Report 29
Page 32
Kilas Kinerja 2023
2023 Performance Highlights
MEI / MAY 2023 19 JUNI / JUNE 2023 03
Pelaksanaan RUPS Luar Biasa. Perayaan Hari Ulang Tahun (HUT) Bank Ina ke-32 tahun.
Implementation of Extraordinary GMS. Celebration of Bank Ina’s 32nd Anniversary.
JUNI / JUNE 2023 9 JUNI / JUNE 2023 12
Penandatanganan kerja sama kredit kepemilikan rumah (KPR) Peresmian peningkatan status dari sebelumnya kantor cabang
di kawasan Pantai Indah Kapuk (PIK) 2 dan Golf Island dengan pembantu (KCP) menjadi kantor cabang (KC) di Kelapa Gading,
PT Agung Sedayu Group. Jakarta Utara.
Signing of a cooperation agreement for home ownership credit Inauguration of status upgrade of Kelapa Gading’s office, North
(KPR) in Pantai Indah Kapuk (PIK) 2 and Golf Island areas with PT Jakarta, from previously a sub-branch office (KCP) to a branch
Agung Sedayu Group. office (KC).
JUNI / JUNE 2023 16 JUNI / JUNE 2023 23
Pelaksanaan RUPS Tahunan. Pertandingan persahabatan tenis meja antara Bank Ina dengan
Implementation of the Annual GMS. Bank Victoria.
A friendly table tennis match between Bank Ina and Bank Victoria.
PT Bank Ina Perdana Tbk
30 Laporan Tahunan 2023
Page 33
AGUSTUS / AUGUST 2023 9 SEPTEMBER 2023 4
Peluncuran Layanan BINA Digital. Perayaan Hari Pelanggan Nasional 2023 dengan melakukan
Launching of BINA Digital Service. sosialisasi pendaftaran dan penggunaan aplikasi INA Mobile bagi
para nasabah di beberapa kantor cabang, seperti Ariobimo, Wisma
Indomobil, Sudirman Plaza, Hayam Wuruk, dan Kelapa Gading.
Celebration of National Customer Day 2023 by disseminating
the registration and use of INA Mobile application for customers
at several branch offices, such as Ariobimo, Wisma Indomobil,
Sudirman Plaza, Hayam Wuruk, and Kelapa Gading.
SEPTEMBER 2023 6 SEPTEMBER 2023 13
Penyelenggaraan Roadshow Ramah Tamah dan Economic Outlook Penyelenggaraan customer gathering bagi nasabah yang berada
2024 di Sumatera Utara dan Jawa Tengah. di Jabodetabek. Dalam acara ini, Bank Ina menggandeng Prof. Dr.
Organizing Hospitality Roadshow and Economic Outlook 2024 in dr. Eka Julianta Wahjoepramono untuk memberikan seminar
North Sumatra and Central Java. kesehatan dengan tema “The Amazing Human Brain and The
Potential Catastrophe”.
Organizing a customer gathering for customers in Jabodetabek.
In this event, Bank Ina collaborated with Prof. Dr. dr. Eka Julianta
Wahjoepramono to give a health seminar with the theme “The
Amazing Human Brain and The Potential Catastrophe”.
SEPTEMBER 2023 22 OKTOBER / OCTOBER 2023 5-15
Memberikan dukungan dalam pembangunan infrastruktur Berpartisipasi dalam “The Biggest ASG Expo 2023” di Townhall -
nasional melalui Skybridge Revo Mall yang terkoneksi dengan Indonesia Design District, PIK 2.
Lintas Raya Terpadu (LRT) Jabodebek. Participated in “The Biggest ASG Expo 2023” at Townhall -
Providing support in national infrastructure development through Indonesia Design District, PIK 2.
Revo Mall Skybridge which is connected to Jabodebek Integrated
Railway (LRT).
PT Bank Ina Perdana Tbk
2023 Annual Report 31
Page 34
Kilas Kinerja 2023
2023 Performance Highlights
NOVEMBER 2023 10 NOVEMBER 2023 16
Penyelenggaraan Customer Appreciation Indonesia Political Penandatanganan memorandum of understanding (MOU)
Landscape 2024. pemberian beasiswa dari Bank Ina kepada Mahasiswa Universitas
Organizing Customer Appreciation Indonesia Political Landscape Kristen Krida Wacana.
2024. The signing of a memorandum of understanding (MOU) for
scholarships from Bank Ina to Krida Wacana Christian University
students.
NOVEMBER 2023 28 DESEMBER / DECEMBER 2023 5
Penyelenggaraan Customer Gathering Economic Outlook Penyelenggaraan Customer Gathering Economic Outlook
2023-2024 di Ambon. 2023-2024 di Palu.
Organizing of Customer Gathering Economic Outlook 2023-2024 Organizing of Customer Gathering Economic Outlook 2023-2024
in Ambon. in Palu.
DESEMBER / DECEMBER 2023 10 DESEMBER / DECEMBER 2023 11
Pelaksanaan Piano Teacher Concert di Balai Resital Kertanegara. Penandatanganan MOU KPR dengan Sinar Mas Land.
Organizing Piano Teacher Concert at Kertanegara Recital Hall. Signing of a M0U KPR with Sinar Mas Land.
PT Bank Ina Perdana Tbk
32 Laporan Tahunan 2023
Page 35
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan
Awards
Nama Penghargaan / Nama Penghargaan /
Award Name: Award Name:
The Best Performing Bank with The 2nd Best Conventional Bank
Satisfaction to Costumer of (KBMI) I
The Year
Penyelenggara / Organizer:
Penyelenggara / Organizer: Infobank
Sembilan Bersama Media dan
Majalah Indonesian Inspire
24 Februari / February 2023 12 April 2023
Nama Penghargaan / Nama Penghargaan /
Award Name: Award Name:
The Best Corporate Secretary & The Most Reputable Bank
Communication Award 2023 in Innovation and Excellent
Services of The Year 2023
Penyelenggara / Organizer:
Economic Review Penyelenggara / Organizer:
5 Pilar Media
19 Mei / May 2023 26 Mei / May 2023
Nama Penghargaan / Nama Penghargaan /
Award Name: Award Name:
Bank Terbaik 2023 Kategori 4th Indonesia Top Bank Awards
Bank KBMI 1 (Modal Inti 2023 in KBMI I Category
sampai dengan Rp6 Triliun)
The Best Bank 2023 KBMI 1 Penyelenggara / Organizer:
Bank Category (Tier 1 Capital The Iconomics
up to Rp6 Trillion)
Penyelenggara / Organizer:
26 Mei / May 2023 Investor Daily 27 Juni / June 2023
PT Bank Ina Perdana Tbk
2023 Annual Report 33
Page 36
Kilas Kinerja 2023
2023 Performance Highlights
GOLD
Nama Penghargaan / Nama Penghargaan /
Award Name: Award Name:
AWARD
6
The Best Indonesia Sales Bank Predikat “Sangat Prima”
Award 2023
WITH SINCERE APPRECIATION TO :
Marketing Category Public Kategori Modal Inti sampai
GOLD Award – Score 89,50 – Excellent
The Best Indonesia SALES MARKETING Award –VI- 2023
Category : Public Bank Company
Friday, 28th July 2023
Indonesia Sales & Marketing Award 2023
Bank Company dengan Rp6 Triliun (KBMI 1)
Aset Rp20 Triliun sampai dengan
6
R.Ay. HJ.Irlisa Rachmadiana,MM DR. Rahajeng Widya, SE., MM.
Founder Economic Review Award 2023 Ketua Dewan Juri
Penyelenggara / Organizer: di bawah Rp25 Triliun
Economic Review Bank with “Very Excellent”
Predicate Category of Core
Capital up to Rp6 Trillion
28 Juli / July 2023 15 Agustus / August 2023 (KBMI 1) Assets of Rp20 Trillion
to under Rp25 Trillion
Penyelenggara / Organizer:
Peluang News
Nama Penghargaan / Nama Penghargaan /
Award Name: Award Name:
The Best Performance Bank, Excellent Financial Performance
Bank KBMI 1 Bank in 2022
Penyelenggara / Organizer: Penyelenggara / Organizer:
Bisnis Indonesia Infobank
24 Agustus / August 2023 25 Agustus / August 2023
Nama Penghargaan / Nama Penghargaan /
Award Name: Award Name:
Top 50 Big Capitalization Public The Best Performing Bank 2023
Listed Company Based on Financial Performance
2021-2023, Bank Assets
Penyelenggara / Organizer: Category within Rp10 Trillion
Indonesian Institute for less than Rp25 Trillion
Corporate Directorship
Penyelenggara / Organizer:
The Finance (member of
18 September 2023 14 November 2023 Infobank Media Group)
Sertifikasi
Certifications
Certificate of Registration
ISO/IEC 27001:2022
Information Security
Management Systems
Penyelenggara / Organizer:
CBQA Global
Masa Berlaku / Validity
Period:
19 Mei 2023-18 Mei 2026
2023-2026 19 May 2023-18 May 2026
PT Bank Ina Perdana Tbk
34 Laporan Tahunan 2023
Page 37
Keanggotaan Asosiasi [POJK51-C.5]
Association Membership
Nama Asosiasi Skala Asosiasi Posisi Bank
Association Name Association Scale The Bank’s Position
Lembaga Penjamin Simpanan Indonesia Nasional Anggota
Indonesian Deposit Insurance Corporation National Member
PT Kustodian Sentral Efek Indonesia Indonesia Nasional Anggota
Indonesia Central Securities Depository National Member
Perhimpunan Bank-Bank Umum Nasional (PERBANAS) Nasional Anggota
Association of National Commercial Banks National Member
Asosiasi Emiten Indonesia (AEI) Nasional Anggota
Indonesian Public Listed Companies Association National Member
Ikatan Bankir Indonesia (IBI) Nasional Anggota
Indonesia Banker Institute National Member
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia (LAPSPI) Nasional Anggota
Indonesian Alternative Agencies for Dispute Resolution in Banking National Member
Nasional Anggota
Indonesian Corporate Secretary Association (ICSA)
National Member
Asosiasi Sistem Pembayaran Indonesia (ASPI) Nasional Anggota
Indonesia Payment System Association National Member
PT Bank Ina Perdana Tbk
2023 Annual Report 35
Page 38
Laporan
Manajemen
Management
Report
02
PT Bank Ina Perdana Tbk
36 Laporan Tahunan 2023
Page 39
PT Bank Ina Perdana Tbk
2023 Annual Report 37
Page 40
Laporan Manajemen
Management Report
Laporan
Dewan Komisaris
Report of the Board of Commissioners
Inawaty Handojo
Komisaris Utama - Independen
Independent - President Commissioner
PT Bank Ina Perdana Tbk
38 Laporan Tahunan 2023
Page 41
Pemegang Saham dan Pemangku Kepentingan yang Dear Shareholders and Stakeholders,
Terhormat,
Dewan Komisaris PT Bank Ina Perdana Tbk bersyukur kepada The Board of Commissioners of PT Bank Ina Perdana Tbk
Tuhan Yang Maha Esa, karena atas perkenaan-Nya, tahun is grateful to God Almighty, because with His blessing, the
2023 dapat dilewati dengan baik. Di tengah kondisi ekonomi Bank could go through the year 2023 properly. In the midst
dan sektor keuangan yang bergejolak, Bank Ina mampu of turbulent economic and financial sector conditions, Bank
membukukan kinerja yang baik, selaras dengan harapan seluruh Ina was able to record good performance, in line with the
Pemegang Saham dan pemangku kepentingan. expectations of all Shareholders and stakeholders.
Pada tahun tersebut, pengawasan terhadap pengelolaan Bank During the year, supervision of the Bank’s management was
menjadi sangat menantang karena kondisi ekonomi global yang particularly challenging due to dynamic global economic
dinamis. Dalam hal ini, Dewan Komisaris telah menjalankan conditions. In this regard, the Board of Commissioners
fungsi dan tugas pengawasan terhadap Direksi dengan cermat, has carried out its functions and duties of supervising the
termasuk pengawasan pelaksanaan Rencana Bisnis Bank (RBB) Board of Directors carefully, including the supervision of
dan Rencana Aksi Keuangan Berkelanjutan (RAKB). Selain itu, the implementation of the Bank’s Business Plan (RBB) and
kami juga melakukan pengawasan atas pelaksanaan strategi Sustainable Finance Action Plan (RAKB). In addition, we also
Bank, terutama pada aspek manajemen risiko, kredit, pencapaian supervised the implementation of the Bank’s strategies,
laba, penerapan teknologi informasi, pengembangan sumber particularly in the aspects of risk management, credit, profit
daya manusia, penerapan tata kelola perusahaan yang baik, achievement, application of information technology, human
serta implementasi keuangan berkelanjutan. resource development, implementation of good corporate
governance, and implementation of sustainable finance.
Berikut ini kami sampaikan uraian laporan hasil pengawasan Herewith we would like to convey the supervisory report on
terhadap pengelolaan usaha Bank Ina untuk tahun buku Bank Ina’s business management for the fiscal year ending
yang berakhir per 31 Desember 2023, sebagai bentuk December 31, 2023, as a form of accountability to all
pertanggungjawaban terhadap seluruh pemangku stakeholders.
kepentingan.
Pandangan atas Kondisi Ekonomi dan Views on Economic Condition and
Industri Perbankan Banking Industry
Kondisi makroekonomi global relatif belum stabil sepanjang Global macroeconomic conditions were relatively unstable
tahun 2023, yang ditandai dengan kenaikan suku bunga acuan throughout 2023, characterized by increases in central bank
bank sentral di banyak negara dan disertai dengan perlambatan benchmark interest rates in many countries and accompanied
aktivitas ekonomi serta koreksi pada pasar komoditas. Tekanan by a slowdown in economic activity and a correction in
inflasi global juga cenderung tinggi. Ketidakseimbangan commodity markets. Global inflationary pressures also tend to
pemulihan sisi permintaan dan penawaran pada beberapa sektor be high. The imbalance in the recovery of demand and supply
ekonomi turut mendorong kenaikan harga-harga. Hal ini juga in several economic sectors has contributed to the increase in
masih dipengaruhi oleh ketidakpastian yang berasal dari dinamika prices. This was also still influenced by uncertainties stemming
geopolitik dan perubahan iklim negara-negara di dunia yang from geopolitical dynamics and climate change in countries
menyebabkan terjadinya gangguan mata rantai pasokan global. around the world that cause global supply chain disruptions.
Di tengah kondisi tersebut, laju pertumbuhan konsumsi Amid these conditions, the growth rate of national household
rumah tangga nasional yang masih cukup tinggi, sebesar consumption which was still quite high, at 4.82%, succeeded
4,82%, berhasil menjaga ketahanan ekonomi Indonesia in maintaining Indonesia’s economic resilience in 2023 in the
tahun 2023 pada kisaran 5,05%. Meskipun mengalami range of 5.05%. Despite experiencing a slight slowdown
PT Bank Ina Perdana Tbk
2023 Annual Report 39
Page 42
Laporan Manajemen
Management Report
sedikit perlambatan dibandingkan tahun sebelumnya, compared to the previous year’s growth, the Indonesian economy
namun ekonomi Indonesia tetap mencatatkan konsistensi still recorded a consistent trend of quality growth by helping to
tren pertumbuhan yang berkualitas dengan turut mendorong reduce unemployment and poverty.
penurunan angka pengangguran dan kemiskinan.
Seiring dengan terjaganya tingkat konsumsi masyarakat, kinerja Along with the maintained level of public consumption, the
industri perbankan tahun 2023 juga tumbuh kuat. Hal ini diantaranya banking industry performance in 2023 also grew strongly. This
ditandai dengan posisi rasio kecukupan modal (capital adequacy ratio was characterized by the position of capital adequacy ratio (CAR)
atau CAR) bank umum yang tetap tinggi sebesar 27,69%, rasio kredit of commercial banks which remained high at 27.69%, the ratio
bermasalah (non performing loan atau NPL) yang tetap terjaga di level of non-performing loans (NPL) which was maintained at the level
2,19% (bruto) dan 0,71% (neto), serta rasio alat likuid terhadap dana of 2.19% (gross) and 0.71% (net), and the ratio of liquid tools to
pihak ketiga (AL/DPK) yang tinggi sebesar 28,73%. Pertumbuhan third party funds (AL/DPK) which was high at 28.73%. Banking
intermediasi perbankan juga menguat dengan total kredit perbankan intermediation growth also strengthened with total banking loans
yang tumbuh sebesar 10,38%, dengan pencapaian tertinggi terjadi growing by 10.38%, with the highest achievements occurring in
pada sektor jasa sosial, pengangkutan, dan jasa dunia usaha. the social services, transportation, and business services sectors.
Secara keseluruhan, ketahanan perbankan yang kuat tersebut Overall, the strong banking resilience was supported by the ability
didukung oleh kemampuan bayar korporasi dan rumah tangga to pay corporations and households that remain good, in line with
yang tetap baik, sejalan dengan kinerja korporasi dan ekspektasi corporate performance and household income expectations that
penghasilan rumah tangga yang terus membaik. Dengan begitu, continue to improve. Thus, Bank Ina has a solid foundation to
Bank Ina memiliki landasan yang kokoh untuk tetap optimis remain optimistic in expanding the reach of financial services and
dalam memperluas jangkauan layanan finansial dan memberikan making a positive contribution to the national economy.
kontribusi positif bagi perekonomian nasional.
Pengawasan terhadap Perumusan dan Supervision of Business Strategy
Implementasi Strategi Bisnis Formulation and Implementation
Melalui kerja sama yang baik, Dewan Komisaris, Direksi, dan Through good cooperation, the Board of Commissioners, Board
seluruh karyawan Bank Ina telah merespons tantangan dan peluang of Directors, and all employees of Bank Ina responded very well
yang dihadapi sepanjang tahun 2023 dengan sangat baik. Dewan to the challenges and opportunities faced throughout 2023. The
Komisaris terlibat langsung dalam pengawasan pelaksanaan target Board of Commissioners was directly involved in overseeing the
RBB, mulai dari awal perumusan hingga implementasi strategi implementation of RBB targets, from the initial formulation to
dan kebijakan Bank. Dalam hal ini, Dewan Komisaris secara the implementation of the Bank’s strategies and policies. In this
aktif memberikan arahan dan masukan kepada Direksi untuk regard, the Board of Commissioners actively provided direction
memastikan bahwa setiap langkah yang diambil selaras dengan visi and input to the Board of Directors to ensure that every step taken
dan misi Bank Ina, serta memperhitungkan kondisi eksternal yang is aligned with Bank Ina’s vision and mission, and considers the
ada. Dewan Komisaris juga kerap melakukan komunikasi dua arah existing external conditions. The Board of Commissioners also
dengan Direksi melalui rapat gabungan yang dilaksanakan secara frequently conducted two-way communication with the Board of
rutin ataupun disesuaikan dengan kebutuhan. Directors through joint meetings held regularly or as needed.
Berdasarkan hasil pengamatan, Dewan Komisaris menyampaikan Based on the supervision, the Board of Commissioners stated that
bahwa penerapan strategi dan kebijakan Bank telah dilakukan the implementation of the Bank’s strategies and policies has been
dengan baik oleh Direksi. Langkah-langkah strategis yang telah carried out properly by the Board of Directors. The strategic steps
diambil dipandang tepat untuk menjaga tingkat kesehatan dan taken are deemed appropriate to maintain the soundness level
memperkuat permodalan dalam menunjang kelangsungan and strengthen capital to support the Bank’s business continuity.
usaha Bank. Partisipasi aktif Dewan Komisaris yang menjalankan The Board of Commissioners’ active participation in performing
fungsi pengawasan didukung dengan kerja sama yang baik supervisory function, was supported by good cooperation with
dengan Direksi, pada akhirnya mampu mengantarkan Bank Ina the Board of Directors and ultimately able to deliver Bank Ina to
menghasilkan pertumbuhan kinerja yang berkelanjutan. produce sustainable performance growth.
Pandangan terhadap Kinerja Direksi Views on the Board of Directors’ Performance
Di tengah dinamika perekonomian global, Dewan Komisaris melihat In the midst of global economic dynamics, the Board of
kinerja perekonomian dan industri perbankan nasional tetap terjaga Commissioners observed that the performance of national economy
dengan baik. Dalam pandangan kami, Direksi telah merespons and banking industry remained well maintained. In our view, the
tantangan dengan sangat baik melalui pemahaman perkembangan Board of Directors has responded to the challenges very well through
industri serta kelincahan dalam meraih peluang untuk tetap tumbuh its understanding of industry developments as well as its agility in
secara cermat. seizing opportunities to continue to grow prudently.
PT Bank Ina Perdana Tbk
40 Laporan Tahunan 2023
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Penilaian atas kinerja Direksi antara lain didasarkan pada The Board of Directors’ performance assessment was among
pencapaian target Bank. Pada tahun 2023, Bank dinilai mampu others based on the Bank’s target achievement. In 2023, the Bank
memanfaatkan momentum dengan baik melalui optimalisasi was deemed able to make good use of the momentum through
keunggulan dan sumber daya yang dimiliki. Hal ini terefleksi antara optimizing its advantages and resources. This was reflected in the
lain dari peningkatan total kredit dan dana pihak ketiga (DPK) increase in total loans and third-party funds (DPK) disbursed, which
yang disalurkan, masing-masing sebesar 30,03% dan 24,92%. amounted to 30.03% and 24.92%, respectively. The application
Penerapan unsur kehati-hatian mampu menjaga kualitas penyaluran of prudence was able to maintain the quality of lending in line
kredit yang selaras dengan penguatan aktivitas ekonomi dan with the strengthening of economic activity and encourage the
mendorong pencapaian pendapatan bunga – neto yang berhasil achievement of interest income - net which managed to grow by
tumbuh 27,04% dari tahun sebelumnya. Begitu pun dengan 27.04% from that of the previous year. Likewise, the achievement
pencapaian laba bersih tahun berjalan yang meningkat 32,36%. of net profit for the year increased by 32.36%.
Berdasarkan pengamatan Dewan Komisaris, sebagian besar Based on the Board of Commissioners’ observations, most of
indikator kinerja Bank mengalami peningkatan dengan beberapa the Bank’s performance indicators have improved with some
indikator melampaui target yang ditetapkan. Sejalan dengan indicators exceeding the set targets. In line with this view, the
pandangan tersebut, Direksi juga berhasil mempertahankan Board of Directors also managed to maintain Bank Ina’s soundness
tingkat kesehatan Bank Ina dengan tingkat rasio kewajiban with a maintained minimum Capital Adequacy Ratio (CAR) and
penyediaan modal minimum (KPMM atau CAR) dan rasio liquid assets to third party funds (AL/DPK) ratio, exceeding the
alat likuid terhadap dana pihak ketiga (AL/DPK) yang terjaga, minimum requirement set by the regulator. This achievement
melebihi kewajiban minimum yang ditetapkan oleh regulator. reflects not only the good performance of the management, but
Pencapaian ini tidak hanya mencerminkan kinerja yang baik also the result of strong synergy with all Bank Ina employees in
dari jajaran manajemen, melainkan juga hasil sinergi yang kuat maintaining the Bank’s stability and growth.
dengan seluruh karyawan Bank Ina dalam menjaga stabilitas dan
pertumbuhan Bank.
Pandangan atas Prospek Usaha Tahun 2024 Views on Business Prospects for 2024
Dewan Komisaris melihat prospek usaha Bank di tahun 2024 akan The Board of Commissioners sees that the Bank’s business
tetap positif dan berdaya tahan. Meskipun perlambatan ekonomi prospects in 2024 will remain positive and resilient. Although the
global diproyeksikan masih akan terjadi di tahun tersebut, dengan global economic slowdown is projected to persist in the year, with
perkiraan pertumbuhan ekonomi di level 2,8%, pertumbuhan an estimated economic growth of 2.8%, and Indonesia’s economic
ekonomi Indonesia masih akan tetap stabil di kisaran 4,7%- growth will remain stable in the range of 4.7%-5.5%. This is
5,5%. Hal ini didukung oleh kebijakan fiskal yang akomodatif, supported by accommodative fiscal policy, investment growth
pertumbuhan investasi yang akan tetap solid, dan pemulihan that will remain solid, and a recovery in household consumption
konsumsi rumah tangga yang diharapkan akan memperkuat that is expected to reinvigorate the national economy.
kembali perekonomian nasional.
Di samping itu, Bank Ina juga melihat bahwa sektor perbankan Furthermore, Bank Ina also sees that the banking sector in
di Indonesia masih memiliki potensi pertumbuhan yang Indonesia still has great growth potential, especially with the
besar, terutama dengan semakin berkembangnya penetrasi growing penetration of digital financial services. The number of
layanan keuangan digital. Jumlah pelaku usaha mikro micro, small, and medium enterprises (MSMEs) in Indonesia, which
kecil dan menengah (UMKM) di Indonesia yang mencapai reaches 64 million, is also an opportunity for digital banking,
64 juta juga menjadi peluang bagi perbankan digital, especially to expand access to financial services, including business
khususnya untuk memperluas akses layanan keuangan, financing. By maximizing our strengths, we are confident that the
termasuk pembiayaan usaha. Dengan memaksimalkan kekuatan Bank will continue to grow better in the future.
yang dimiliki, kami yakin Bank akan tetap mampu bertumbuh
lebih baik pada masa mendatang.
Pandangan atas Penerapan Tata Kelola Views on the Implementation of Corporate
Perusahaan Governance
Dalam pandangan Dewan Komisaris, penerapan praktik tata In the Board of Commissioners’ view, the implementation of good
kelola perusahaan yang baik (GCG) di Bank Ina terus meningkat corporate governance (GCG) practices in Bank Ina has continued
dari waktu ke waktu. Praktik GCG telah menjadi landasan to improve from time to time. GCG practices have become
utama dalam menjaga integritas, transparansi, akuntabilitas, dan the key foundation in maintaining the integrity, transparency,
keberlanjutan Bank. Dalam hal ini, Dewan Komisaris melihat bahwa accountability, and sustainability of the Bank. As such, the Board
Bank Ina telah mematuhi prinsip-prinsip yang berlaku dengan of Commissioners sees that Bank Ina has complied with the
mengimplementasikan kebijakan-kebijakan yang mendukung applicable principles by implementing policies that support GCG
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praktik GCG. Selain itu, upaya membangun budaya kerja berbasis practices. In addition, efforts to build a work culture based on
prinsip-prinsip GCG juga telah diterapkan melalui peningkatan GCG principles have also been implemented through increasing
kesadaran dan tanggung jawab seluruh karyawan dalam awareness and responsibility of all employees in carrying out their
menjalankan tugas sesuai dengan standar etika dan integritas duties in accordance with high ethical standards and integrity. This
yang tinggi. Hal ini dibuktikan dengan hasil self-assessment oleh is evidenced by the results of self-assessment by the Compliance
Departemen Kepatuhan dan APU-PPT dengan perolehan predikat and AML-CFT Department with the predicate “GOOD” in 2023.
“BAIK” di tahun 2023.
Di masa depan, Dewan Komisaris berharap Bank Ina dapat terus In the future, the Board of Commissioners expects that Bank Ina
meningkatkan penerapan praktik GCG dengan terus mengikuti can continue to improve the implementation of GCG practices by
perkembangan regulasi dan standar yang berlaku. Dengan continuing to follow the development of applicable regulations
memperkuat praktik GCG, Bank Ina akan semakin diandalkan and standards. By strengthening GCG practices, Bank Ina will
sebagai entitas perbankan yang bertanggung jawab dan increasingly be reliable as a responsible banking entity with high
berintegritas tinggi di mata seluruh pemangku kepentingan. integrity in the eyes of all stakeholders.
Penerapan Sistem Pengendalian Internal Implementation of Internal Control System
dan Manajemen Risiko and Risk Management
Penerapan GCG tidak terlepas dari implementasi sistem The implementation of GCG is inseparable from the
pengendalian internal dan manajemen risiko. Dewan Komisaris implementation of internal control system and risk management.
melihat Bank Ina telah menjalankan regulasi dan perundang- The Board of Commissioners sees that Bank Ina has implemented
undangan yang berlaku, menyesuaikan kebijakan internal the prevailing laws and regulations, adjusted the Bank’s internal
Bank, serta mengimplementasikannya dengan kesungguhan. policies, and implemented them with sincerity. Compliance to
Kepatuhan untuk berjalan di dalam koridor hukum dan peraturan walk within the corridors of laws and regulations not only drives
tidak hanya mendorong kinerja operasional dan keuangan, tetapi operational and financial performance, but also the integrity of
juga integritas seluruh insan Bank sehingga mampu menekan all Bank personnel, and therefore, reducing the level of violations
tingkat pelanggaran yang terjadi di tahun 2023. that occurred in 2023.
Demikian pula dengan penerapan manajemen risiko yang efektif Similarly, the implementation of effective risk management has
telah menjadi faktor krusial dalam menciptakan pertumbuhan become a crucial factor in creating healthy and sustainable business
bisnis yang sehat dan berkesinambungan di tengah dinamika dan growth amidst business dynamics and challenges through early
tantangan bisnis melalui identifikasi dan pengendalian risiko sejak identification and control of risks. The Board of Commissioners’
dini. Penilaian positif Dewan Komisaris didasarkan pada hasil self- positive assessment is based on the self-assessment results of the
assessment atas risiko-risiko utama perbankan di tahun 2023 yang main banking risks in 2023 which obtained a Risk Level Rating at
memperoleh Peringkat Tingkat Risiko pada level “Low to Moderate”. “Low to Moderate” level.
Penerapan Sistem Pelaporan Pelanggaran Implementation of Whistleblowing System
Bank Ina telah menerapkan sistem pelaporan pelanggaran Bank Ina has implemented a whistleblowing system (WBS) as an
(whistleblowing system atau WBS) sebagai upaya untuk effort to create a transparent and accountable work environment.
menciptakan lingkungan kerja yang transparan dan akuntabel. The implementation of WBS is part of the Bank’s commitment to
Implementasi WBS merupakan bagian dari komitmen Bank dalam implementing good corporate governance and fraud prevention.
menerapkan tata kelola perusahaan yang baik dan pencegahan Through the General Guidelines of Whistleblowing, the Bank has
terhadap fraud. Melalui Pedoman Umum Whistleblowing, clear reporting procedures and protection for whistleblowers to
Bank memliki prosedur pelaporan yang jelas serta perlindungan streamline WBS implementation and improve GCG quality. In this
bagi pelapor guna mengefektifkan implementasi WBS dan regard, the Internal Audit division is responsible for managing the
meningkatkan kualitas GCG. Dalam hal ini, divisi Audit Internal WBS through the hotline service and ensuring that each report is
bertanggung jawab atas pengelolaan WBS melalui layanan hotline processed in accordance with applicable regulations. The Board
serta memastikan setiap laporan diproses sesuai dengan ketentuan of Commissioners regularly monitors and supervises this system,
yang berlaku. Adapun Dewan Komisaris secara rutin memantau dan and concludes that its implementation is going well. With regular
mengawasi sistem ini, dan menyimpulkan bahwa penerapannya dissemination and responsible governance, Bank Ina managed to
berjalan baik. Dengan sosialisasi yang teratur dan tata kelola yang avoid significant and material complaints throughout 2023.
bertanggung jawab, Bank Ina berhasil menghindari pengaduan
yang signifikan dan material sepanjang tahun 2023.
PT Bank Ina Perdana Tbk
42 Laporan Tahunan 2023
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Perubahan Komposisi Anggota Dewan Changes in the Board of Commissioners’
Komisaris Composition
Sepanjang tahun 2023, tidak terdapat perubahan susunan Throughout 2023, there were no changes in the composition
anggota Dewan Komisaris Bank Ina. Dengan demikian, komposisi of Bank Ina’s Board of Commissioners. Thus, the Board of
keanggotaan Dewan Komisaris pada saat Laporan Tahunan dan Commissioners’ composition at the time of this Annual and
Keberlanjutan ini diterbitkan meliputi: Sustainability Report is published is as follows:
Nama Jabatan
Name Position
Inawaty Handojo Komisaris Utama Independen / Independent President Commissioner
Yohanes Santoso Wibowo Komisaris Independen / Independent Commissioner
Josavia Rachman Ichwan Komisaris / Commissioner
Penutup Closing
Dewan Komisaris menyampaikan apresiasi yang tinggi kepada The Board of Commissioners would like to express its highest
seluruh jajaran Direksi, manajemen, dan karyawan Bank Ina atas appreciation to the entire Board of Directors, management, and
dedikasi dan komitmen bersama dalam menjalankan tugas dan employees of Bank Ina for their dedication and commitment
tanggung jawab dengan baik, terutama dalam menghadapi to carrying out their duties and responsibilities well, especially
tantangan eksternal dan internal yang kompleks di tahun 2023. in facing complex external and internal challenges in 2023.
Keberhasilan Bank dalam mengimplementasikan strategi yang tepat, The Bank’s success in implementing the right strategy, maintaining
menjaga integritas, menerapkan praktik tata kelola perusahaan yang integrity, implementing good corporate governance practices,
baik, serta mempertahankan kinerja yang positif, menjadi bukti nyata and maintaining positive performance, is clear evidence of
dari kerja sama yang solid antara seluruh elemen terkait. Dewan solid cooperation between all relevant elements. The Board of
Komisaris yakin bahwa dengan semangat yang sama, Bank Ina Commissioners is confident that with the same spirit, Bank Ina
akan terus berkembang dan memberikan nilai tambah bagi seluruh will continue to grow and provide added value to all stakeholders
pemangku kepentingan di masa yang akan datang. in the future.
Atas nama Dewan Komisaris,
On behalf of the Board of Commissioners,
Inawaty Handojo
Komisaris Utama Independen
Independent President Commissioner
PT Bank Ina Perdana Tbk
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Laporan
Direksi [POJK51-D.1]
Report of the Board of Directors
Henry Koenaifi
Direktur Utama
President Director
PT Bank Ina Perdana Tbk
44 Laporan Tahunan 2023
Page 47
Pemegang Saham dan Pemangku Kepentingan yang Dear Esteemed Shareholders and Stakeholders,
Terhormat,
Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha Praise and gratitude to God Almighty, for His blessings and
Esa, atas nikmat dan karunia-Nya, Bank Ina dapat melalui grace, Bank Ina can properly go through the year 2023 which
tahun 2023 yang syarat akan tantangan dan dinamika dengan was full of challenges and dynamics. Throughout the year, the
baik. Sepanjang tahun tersebut, seluruh jajaran Direksi Bank entire Board of Directors of Bank Ina has endeavored to carry
Ina telah berupaya untuk menjalankan pengelolaan usaha out responsible banking business management as reflected in
perbankan yang bertanggung jawab sebagaimana yang the Performance Report of PT Bank Ina Perdana Tbk for the
tercermin dalam Laporan Kinerja PT Bank Ina Perdana Tbk fiscal year 2023. This report is not only a record of Bank Ina’s
tahun buku 2023. Laporan ini tidak sekadar menjadi catatan achievements, but also a reflection of the journey throughout
pencapaian Bank Ina, tetapi juga merupakan cerminan dari the past year, which includes achievements, challenges faced,
perjalanan sepanjang tahun lalu, yang mencakup pencapaian, and a firm commitment to carrying out responsibilities to all
tantangan yang dihadapi, serta komitmen yang kokoh dalam stakeholders. The Board of Directors summarizes the report as
mengemban tanggung jawab kepada seluruh pemangku follows.
kepentingan. Secara ringkas Laporan tersebut Direksi
sampaikan sebagai berikut.
Tinjauan Perekonomian dan Industri Overview of Economy and Banking
Perbankan Tahun 2023 Industry in 2023
Selepas tantangan pandemi Covid-19, perekonomian global After the challenges of the Covid-19 pandemic, the global
kembali dihadapkan pada berbagai dinamika yang mendorong economy was again faced with various dynamics that
divergensi pertumbuhan antarnegara semakin melebar. World encourage growth divergence between countries to widen. The
Bank mencatat, pertumbuhan perekonomian global tahun World Bank noted that global economic growth in 2023 was
2023 diproyeksikan sebesar 2,6%, melambat dibandingkan projected at 2.6%, slowing down compared to the previous
tahun sebelumnya sebesar 3,0%. Volatilitas pasar keuangan year of 3.0%. Financial market volatility and geopolitical
dan ketidakpastian geopolitik menjadi faktor utama yang uncertainty were the main factors influencing the slowdown
memengaruhi perlambatan pertumbuhan ekonomi global of global economic growth. Correspondingly, monetary policy
tersebut. Sejalan dengan itu, kebijakan moneter penetapan on interest rate setting, including the Fed Funds Rate (FFR), is
suku bunga, termasuk Fed Funds Rate (FFR), diproyeksikan projected to have peaked but will remain higher for longer. This
telah mencapai puncaknya namun masih akan bertahan dalam was mainly due to soaring government debt to finance fiscal
waktu yang relatif lama (higher for longer). Hal ini terutama policy expansion in developed countries, particularly the United
dilatarbelakangi oleh melonjaknya utang pemerintah untuk States (US), further pushing up interest rates and the strength
membiayai ekspansi kebijakan fiskal di negara maju, khususnya of US Dollar in global financial markets, attracting large global
Amerika Serikat (AS), semakin mendorong suku bunga dan capital flows.
kuatnya Dolar AS di pasar keuangan global sehingga menarik
aliran modal dunia dalam jumlah besar.
Namun, di tengah ketidakpastian global tersebut, perekonomian However, amidst the global uncertainty, the national economy
nasional tetap menunjukkan ketahanan yang kuat dan continues to show strong resilience and stable growth. The
pertumbuhan yang stabil. Badan Pusat Statistik mencatat, Statistics Indonesia noted that Indonesia’s economic growth in
pertumbuhan ekonomi Indonesia tahun 2023 mencapai 5,05%. 2023 reached 5.05%. The stability of the national economy was
Kestabilan perekonomian nasional terutama didorong oleh mainly driven by the establishment of prudent macroeconomic
penetapan kebijakan makroekonomi yang prudent, dukungan policies, support for investment in infrastructure development,
investasi dalam pembangunan infrastruktur, serta konsumsi and strong domestic consumption. Likewise, the inflation rate
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domestik yang kuat. Begitu juga dengan tingkat inflasi juga masih was also still maintained within the target range of 3.0±1%, which
terjaga dalam kisaran sasaran 3,0±1%, yaitu sebesar 2,61% per was 2.61% at the end of 2023. Meanwhile, Bank Indonesia’s
akhir tahun 2023. Sementara itu, suku bunga acuan Bank Indonesia benchmark interest rate or BI-Rate as of the end of 2023 was
atau BI-Rate per akhir tahun 2023 tercatat bertahan tinggi di angka recorded to remain high at 6.00%. This was consistent with the
6,00%. Hal ini konsisten dengan fokus kebijakan moneter yang focus of pro-stability monetary policy as well as pre-emptive and
pro-stabilitas serta langkah pre-emptive dan forward looking guna forward looking measures to ensure the inflation rate remains
memastikan tingkat inflasi tetap terkendali dalam sasaran. under control within the target.
Ketahanan perekonomian nasional mendorong kondusivitas The resilience of national economy encouraged conduciveness
pada berbagai sektor industri, termasuk perbankan. Meskipun in various industry sectors, including banking. Despite global
terdapat volatilitas keuangan global dan tren suku bunga financial volatility and the trend of high interest rates in 2023,
tinggi pada tahun 2023, industri perbankan nasional secara the national banking industry as a whole showed relatively solid
keseluruhan menunjukkan kinerja yang relatif solid dan resilient. and resilient performance. Banking capital achievements in 2023
Capaian modal perbankan tahun 2023 tetap solid dengan remained solid with a high Capital Adequacy Ratio (CAR) of the
Capital Adequacy Ratio (CAR) industri perbankan yang tinggi banking industry reaching 27.69%, which indicates that the
mencapai 27,69%, yang menunjukkan bahwa industri perbankan banking industry has adequate capital adequacy to face risks that
memiliki kecukupan modal memadai untuk menghadapi risiko may arise. In line with that, the achievement of lending also grew
yang mungkin timbul. Sejalan dengan itu, capaian penyaluran by 10.38%, with the value of banking intermediation maintained
kredit juga mengalami pertumbuhan sebesar 10,38%, dengan at Rp7,090 trillion. Thus, despite facing significant external
nilai intermediasi perbankan tetap terjaga pada angka Rp7.090 challenges, the national banking industry remained stable and
triliun. Dengan demikian, meskipun menghadapi tantangan continued to contribute to sustainable economic growth. This
eksternal yang signifikan, industri perbankan nasional tetap condition provides a strong foundation for Bank Ina and the entire
mampu menunjukkan stabilitasnya dan terus berkontribusi banking industry to continue to innovate and strengthen its role in
pada pertumbuhan ekonomi yang berkelanjutan. Kondisi ini supporting national economic development.
memberikan landasan yang kuat bagi Bank Ina dan seluruh
industri perbankan untuk terus berinovasi dan memperkuat
perannya dalam mendukung pembangunan ekonomi nasional.
Tantangan dan Peluang yang Challenges and Opportunities Affecting
Memengaruhi Bisnis Bank Ina Tahun 2023 Bank Ina’s Business in 2023 and the
serta Strategi dalam Menghadapinya Strategies to Address Them
Ketahanan perekonomian nasional dan kinerja industri perbankan The resilience of national economy and solid performance of
yang solid di tahun 2023 tidak terlepas dari berbagai tantangan the banking industry in 2023 could not be separated from the
yang turut memengaruhi bisnis Bank Ina. Salah satu tantangan various challenges that also affected Bank Ina’s business. One
yang dihadapi adalah disrupsi industri perbankan yang dipicu oleh of the challenges faced was the disruption of the banking
perkembangan teknologi dan perubahan perilaku konsumen. industry triggered by technological developments and changes in
Disrupsi dalam industri perbankan menjadi tantangan utama consumer behavior. Disruption in the banking industry was a major
bagi Bank Ina, terutama karena pergeseran ke arah layanan challenge for Bank Ina, especially due to the shift towards digital
perbankan digital, fintech, dan teknologi keuangan lainnya banking services, fintech, and other financial technologies that
sehingga mengubah lanskap kompetitif secara signifikan. Dalam have significantly changed the competitive landscape. In facing
menghadapi tantangan ini, Bank Ina terus beradaptasi dengan these challenges, Bank Ina continues to adapt quickly, increase
cepat, meningkatkan inovasi, dan meningkatkan kualitas layanan innovation, and improve service quality to remain relevant in an
untuk tetap relevan di pasar yang semakin kompetitif. increasingly competitive market.
Selain itu, kenaikan suku bunga yang terjadi sepanjang tahun 2023 Furthermore, the increase in interest rates that occurred
juga menjadi salah satu tantangan yang dihadapi oleh Bank Ina. throughout 2023 was also one of the challenges faced by Bank
Suku bunga yang tinggi berpengaruh pada meningkatnya biaya Ina. Higher interest rates had the effect of increasing funding
pendanaan, margin bunga, dan permintaan kredit dari nasabah. costs, interest margins, and credit demand from customers.
Menghadapi tantangan ini, Bank Ina telah mengupayakan penerapan Facing these challenges, Bank Ina applied appropriate strategies
strategi yang tepat untuk melakukan manajemen risiko yang cermat to conduct prudent risk management and maintain a balance
dan menjaga keseimbangan antara pertumbuhan bisnis dan between business growth and risk management, especially in
pengelolaan risiko, terutama dalam hal pengelolaan aset dan liabilitas terms of efficient asset and liability management. In addition,
yang efisien. Selain itu, Bank Ina juga terus memperkuat kualitas Bank Ina also continues to strengthen credit quality by improving
kredit dengan meningkatkan proses analisis risiko dan melakukan the risk analysis process and conducting close monitoring of the
pemantauan yang ketat terhadap portofolio kredit. Bank Ina percaya credit portfolio. Bank Ina believes that with an approach based
bahwa dengan pendekatan yang berbasis pada analisis risiko dan on risk analysis and prudence in decision making, Bank Ina can
kehati-hatian dalam pengambilan keputusan, Bank Ina dapat tetap remain stable and strong amidst changing market and economic
stabil dan kuat di tengah perubahan kondisi pasar dan ekonomi. conditions.
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46 Laporan Tahunan 2023
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Meskipun dihadapkan pada berbagai tantangan, Bank Ina juga Although facing various challenges, Bank Ina also has opportunities
memiliki peluang untuk terus berkembang dan memperkuat posisi to continue to grow and strengthen its position in the market.
di pasar. Pertumbuhan ekonomi yang stabil di Indonesia, didukung Stable economic growth in Indonesia, supported by strong
oleh konsumsi domestik yang kuat dan investasi infrastruktur yang domestic consumption and substantial infrastructure investment,
besar, memberikan peluang bagi Bank Ina untuk memperluas provides opportunities for Bank Ina to expand its market share and
pangsa pasar dan meningkatkan portofolio kredit. Selain itu, increase its loan portfolio. In addition, technological developments
perkembangan teknologi juga membawa peluang bagi Bank Ina also bring opportunities for Bank Ina to improve operational
untuk meningkatkan efisiensi operasional, meningkatkan layanan efficiency, enhance customer service, and create innovative
kepada nasabah, dan menciptakan produk-produk inovatif yang products that can meet the evolving market needs. By identifying
dapat memenuhi kebutuhan pasar yang berkembang. Dengan the challenges and existing opportunities, Bank Ina designed
mengidentifikasi tantangan dan peluang yang ada, Bank Ina dapat the right strategy to deal with market dynamics and achieved
merancang strategi yang tepat untuk menghadapi dinamika pasar sustainable growth in 2023 and the coming years.
dan mencapai pertumbuhan yang berkelanjutan di tahun 2023
dan tahun-tahun yang akan datang.
Peranan Direksi dalam Perumusan Board of Directors’ Role in Formulating
Strategi Bank Ina dan Pengawasan atas Bank Ina’s Strategy and the Supervision of
Implementasinya its Implementation
Direksi Bank Ina memiliki tanggung jawab dalam hal perumusan Bank Ina’s Board of Directors is responsible for formulating strategy
strategi serta pengawasan atas implementasinya. Peran Direksi and monitoring its implementation. The Board of Directors’ role
tidak hanya terbatas pada pengambilan keputusan strategis yang is not only limited to making careful and appropriate strategic
cermat dan tepat, tetapi juga pada memastikan bahwa strategi decisions, but also to ensuring that the strategies formulated
yang dirumuskan dilaksanakan dengan efektif dan efisien untuk are implemented effectively and efficiently to achieve Bank Ina’s
mencapai tujuan jangka panjang Bank Ina. Dalam menjalankan long-term goals. In carrying out this role, the Board of Directors
peran tersebut Direksi terlibat secara aktif dalam perumusan is actively involved in the formulation of Bank Ina’s strategy by
strategi Bank Ina dengan melakukan analisis menyeluruh terhadap conducting a thorough analysis of market conditions, industry
kondisi pasar, tren industri, dan kebutuhan nasabah untuk trends, and customer needs to identify opportunities and risks.
mengidentifikasi peluang dan risiko yang ada. Direksi juga menjalin The Board of Directors also communicates with the Board of
komunikasi dengan Dewan Komisaris melalui forum pembahasan Commissioners through the Bank’s Business Plan (RBB) discussion
Rencana Bisnis Bank (RBB) untuk dimintai pandangannya agar forum to seek their views so that the strategies formulated remain
strategi yang telah dirumuskan tetap sejalan dengan Visi, Misi, in line with Bank Ina’s Vision, Mission and strategic objectives that
dan tujuan strategis Bank Ina yang relevan dengan lingkungan are relevant to the current and future business environment. The
bisnis saat ini dan masa depan. Direksi juga memastikan bahwa Board of Directors also ensures that the strategies formulated are
strategi yang dirumuskan sesuai dengan prinsip-prinsip tata kelola in accordance with the principles of good corporate governance
perusahaan yang baik serta kepatuhan terhadap peraturan dan and in compliance with applicable regulations and standards in
standar yang berlaku dalam proses pengambilan keputusan the strategic decision-making process.
strategis.
Sedangkan dalam peran pengawasan implementasi strategi, In its monitoring role of strategy implementation, the Board of
Direksi melakukan evaluasi reguler terhadap perkembangan Directors conducts regular evaluations of the progress of strategy
implementasi strategi, memastikan bahwa sumber daya implementation, ensures that resources are properly allocated,
dialokasikan dengan baik, dan mengambil tindakan korektif and takes corrective action where necessary. The Board of
apabila diperlukan. Direksi juga senantiasa mengidentifikasi Directors also continuously identifies changes in the external
perubahan lingkungan eksternal yang mungkin memengaruhi environment that may affect Bank Ina’s business strategy, and
strategi bisnis Bank Ina, serta merespons secara proaktif untuk responds proactively to ensure that Bank Ina remains relevant
memastikan bahwa Bank Ina tetap relevan dan kompetitif. and competitive. As such, the Board of Directors’ role in strategy
Dengan demikian, peran Direksi dalam perumusan strategi dan formulation and oversight of its implementation is critical in
pengawasan implementasinya sangat penting dalam memastikan ensuring Bank Ina’s continuity and sustainability as a resilient and
kesinambungan dan keberlanjutan Bank Ina sebagai lembaga trustworthy financial institution. The Board of Directors is also
keuangan yang tangguh dan dapat dipercaya. Direksi juga committed to constantly carry out this responsibility with the
berkomitmen untuk terus menjalankan tanggung jawab ini necessary integrity, courage, and expertise.
dengan integritas, keberanian, dan keahlian yang diperlukan.
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2023 Annual Report 47
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Laporan Manajemen
Management Report
Pencapaian Kinerja Tahun 2023 dan Performance Achievement in 2023 and the
Perbandingannya dengan Target Comparison with Target
Ketepatan dalam hal perumusan strategi dan keefektifan pengawasan The accuracy in strategy formulation and the effectiveness of
atas implementasinya, membuat Bank Ina mampu mencatatkan supervision over its implementation have enabled Bank Ina
sejumlah pencapaian kinerja yang positif, meskipun dihadapkan to record a number of positive performance achievements,
pada berbagai tantangan dan dinamika pasar yang kompleks. Direksi despite being faced with various challenges and complex market
melaporkan bahwa kinerja Bank Ina selama tahun tersebut telah dynamics. The Board of Directors reported that Bank Ina’s
sesuai dengan target yang telah ditetapkan, bahkan dalam beberapa performance during the year was in line with the targets set, and
aspek mampu melewati target yang telah ditetapkan sebelumnya. in some aspects even exceeded the targets set earlier.
Pertama, dalam hal pertumbuhan aset, Bank Ina berhasil First, in terms of asset growth, Bank Ina managed to record solid
mencatat pertumbuhan yang solid sepanjang tahun 2023. Total growth throughout 2023. Total assets in 2023 were recorded
aset tahun 2023 tercatat sebesar Rp24,38 triliun atau mencapai at Rp24.38 trillion or 101.78% of the predetermined growth
101,78% dari target pertumbuhan yang telah ditetapkan. Hal target. This shows that Bank Ina’s strategy in managing its asset
ini menunjukkan bahwa strategi Bank Ina dalam mengelola portfolio has been successful, despite market volatility and global
portofolio aset telah berhasil, meskipun di tengah volatilitas economic uncertainty. Furthermore, in terms of revenue growth,
pasar dan ketidakpastian ekonomi global. Selanjutnya, dalam hal Bank Ina also achieved good results. Net interest income in 2023
pertumbuhan pendapatan, Bank Ina juga mencapai pencapaian was recorded at Rp709.97 billion or 94.21% of the growth target
yang baik. Pendapatan bunga neto tahun 2023 tercatat mencapai set. Although not fully achieving the target, the realization of net
Rp709,97 miliar atau mencapai 94,21% dari target pertumbuhan interest income was able to grow by 27.04% compared to the
yang telah ditetapkan. Meskipun belum sepenuhnya mencapai previous year’s figure through various undertaken initiatives.
target, namun realisasi pendapatan bunga neto mampu
bertumbuh 27,04% dibandingkan tahun sebelumnya melalui
berbagai inisiatif yang telah direalisasikan.
Selain itu, Bank Ina juga berhasil mencapai target yang ditetapkan Furthermore, Bank Ina also managed to achieve the targets set
dalam hal kualitas aset. Tingkat kredit bermasalah tetap terjaga in terms of asset quality. The level of non-performing loans was
pada tingkat yang terkendali, dan rasio kredit bermasalah tetap maintained at a manageable level, and the ratio of non-performing
berada di bawah ambang batas yang telah ditetapkan. Hal ini loans remained below the predetermined threshold. This shows
menunjukkan bahwa kebijakan Bank Ina dalam manajemen risiko that Bank Ina’s policy on credit risk management has yielded
kredit telah memberikan hasil yang positif. Namun demikian, positive results. Nevertheless, Bank Ina also realizes that there are
Bank Ina juga menyadari bahwa masih ada area di mana Bank still areas where Bank Ina must continue to improve performance,
Ina harus terus meningkatkan kinerja, salah satunya adalah one of which is in terms of operational efficiency. Bank Ina sees
dalam hal efisiensi operasional. Bank Ina melihat bahwa masih that there is still room to further optimize the use of resources and
terdapat ruang-ruang untuk lebih mengoptimalkan penggunaan reduce operational costs, so as to improve cost efficiency
sumber daya dan mengurangi biaya operasional, sehingga dapat
meningkatkan efisiensi biaya.
Dalam hal kinerja keberlanjutan sosial, Bank Ina telah melaksanakan In terms of social sustainability performance, Bank Ina has
berbagai program Corporate Social Responsibility (CSR) dalam implemented various Corporate Social Responsibility (CSR)
bidang kesehatan, pendidikan, dan donasi lainnya yang bertujuan programs in health, education, and other donations aimed at
untuk meningkatkan kesejahteraan masyarakat di sekitar kami. improving the welfare of the communities around us. In addition,
Selain itu, Bank Ina juga terus berupaya untuk meningkatkan Bank Ina also continues to strive to improve the financial literacy of
literasi keuangan masyarakat melalui program literasi dan inklusi the community through financial literacy and inclusion programs.
keuangan. Pemenuhan terhadap hak-hak serta pemberian Bank Ina also continues to prioritize the fulfillment of rights
kesempatan berkembang bagi karyawan juga terus Bank Ina and the provision of development opportunities for employees
utamakan dalam mendorong kesejahteraan karyawan. Di samping in encouraging employee welfare. Furthermore, Bank Ina also
itu, Bank Ina juga memberikan perhatian yang serius terhadap pays serious attention to environmental responsibility. Bank Ina
tanggung jawab lingkungan. Bank Ina telah mengambil langkah- has taken steps to reduce the environmental impact of banking
langkah untuk mengurangi dampak lingkungan dari operasi operations, such as energy savings, waste reduction, and increased
perbankan, seperti penghematan energi, pengurangan limbah, dan efficiency in the use of natural resources.
peningkatan efisiensi dalam penggunaan sumber daya alam.
Prospek Industri Perbankan Tahun 2024 Prospects of the Banking Industry in 2024
Pencapaian positif yang telah dicatatkan sepanjang tahun The positive achievements recorded throughout 2023 are the
2023 menjadi fondasi dan semangat bagi Bank Ina untuk terus foundation and spirit for Bank Ina to continue to improve better
meningkatkan kinerja yang lebih baik di masa mendatang, dengan performance in the future, by looking at lessons learned from
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48 Laporan Tahunan 2023
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mencermati pembelajaran dari tahun-tahun sebelumnya dan previous years and identifying new opportunities for growth and
mengidentifikasi peluang-peluang baru untuk pertumbuhan dan efficiency. Bank Ina sees 2024 as bringing exciting prospects for
efisiensi. Bank Ina melihat bahwa tahun 2024 membawa berbagai the banking industry, despite the challenges and changing market
prospek menarik bagi industri perbankan, meskipun dihadapkan dynamics. Various external and internal factors will influence the
pada berbagai tantangan dan dinamika pasar yang terus berubah. direction and development of the banking industry in the coming
Berbagai faktor eksternal dan internal akan memengaruhi arah dan years.
perkembangan industri perbankan di tahun yang akan datang.
Kestabilan makroekonomi nasional yang diproyeksikan akan terus The national macroeconomic stability that is projected to
berlanjut di tahun 2024 menjadi sinyal positif bahwa industri continue in 2024 is a positive signal that the banking industry
perbankan juga akan meningkat. Pemulihan ekonomi akan will also improve. Economic recovery will drive business activity
mendorong aktivitas bisnis dan investasi, yang pada gilirannya and investment, which in turn will increase demand for banking
akan meningkatkan permintaan akan layanan perbankan, seperti services, such as business financing, asset management, and
pembiayaan usaha, manajemen aset, dan jasa keuangan lainnya. other financial services. Furthermore, continued technological
Selanjutnya, perkembangan teknologi yang terus berlanjut akan developments will continue to shape the landscape of the
terus membentuk lanskap industri perbankan. Transformasi digital banking industry. Digital transformation will become increasingly
akan menjadi semakin penting, dengan peningkatan adopsi layanan important, with increased adoption of digital banking and
perbankan digital dan fintech oleh masyarakat. Namun demikian, fintech services by the public. However, the banking industry is
industri perbankan juga dihadapkan pada berbagai tantangan yang also faced with various challenges that need to be overcome,
perlu diatasi, di antaranya adalah meningkatnya persaingan, baik including increased competition, both from conventional banks
dari bank konvensional maupun dari perusahaan fintech yang terus and from growing fintech companies. Moreover, geopolitical and
berkembang. Selain itu, ketidakpastian geopolitik dan ekonomi global economic uncertainty are also risk factors that need to be
global juga merupakan faktor risiko yang perlu dipertimbangkan. considered. Likewise, increasingly complex regulations will also be
Begitu juga dengan, regulasi yang semakin kompleks juga akan a factor affecting the prospects of the banking industry.
menjadi faktor yang memengaruhi prospek industri perbankan.
Dengan memperhatikan peluang dan tantangan yang ada, prospek Given the opportunities and challenges, the outlook for the
industri perbankan tahun 2024 menjanjikan potensi pertumbuhan banking industry in 2024 promises positive growth potential,
yang positif, tetapi juga memerlukan kesiapan dan ketangguhan but also requires readiness and resilience from industry players.
dari para pelaku industri. Oleh karena itu, Bank Ina akan terus Therefore, Bank Ina will continue to strive to adapt quickly,
berupaya beradaptasi dengan cepat, menerapkan inovasi, dan implement innovations, and maintain compliance with regulations
menjaga kepatuhan terhadap regulasi akan memiliki peluang besar will have a great opportunity to succeed in the midst of changing
untuk berhasil di tengah dinamika pasar yang terus berubah. market dynamics.
Penerapan GCG di Bank Ina Tahun 2023 Implementation of GCG at Bank Ina in 2023
Penerapan tata kelola perusahaan yang baik (good corporate The implementation of good corporate governance (GCG)
governance/GCG) dalam operasional perbankan merupakan kunci in banking operations is the key to long-term success and is
keberhasilan jangka panjang dan merupakan fondasi bagi kepercayaan the foundation for the trust of customers, shareholders, and
nasabah, Pemegang Saham, dan seluruh pemangku kepentingan. all stakeholders. In 2023, Bank Ina successfully achieved an
Pada tahun 2023, Bank Ina berhasil meraih penilaian penerapan GCG assessment of GCG implementation resulting in a composite score
yang menghasilkan nilai komposit 2. Hal ini mencerminkan bahwa of 2. This reflects that Bank Ina’s Management has implemented
Manajemen Bank Ina telah melakukan penerapan tata kelola yang generally good governance. This achievement was inseparable
secara umum baik. Pencapaian ini tidak terlepas dari komitmen from Bank Ina’s commitment to continuously improving GCG
Bank Ina untuk terus meningkatkan praktik GCG sehingga mampu practices to adequately fulfill the principles of governance.
memenuhi prinsip-prinsip tata kelola dengan memadai.
Selain penerapan GCG yang memadai, Bank Ina juga senantiasa In addition to the implementation of adequate GCG, Bank Ina
memastikan penerapan sistem pengendalian internal dan ensures the implementation of a reliable internal control and risk
manajemen risiko yang andal sesuai dengan operasional perbankan management system in accordance with its banking operations.
yang dijalankan. Bank Ina memahami bahwa pengendalian internal Bank Ina understands that effective internal control and solid
yang efektif dan manajemen risiko yang solid merupakan landasan risk management are the foundation for the Bank’s operational
bagi keberhasilan operasional dan keberlanjutan jangka panjang success and long-term sustainability. Therefore, Bank Ina has
bank. Oleh karena itu, Bank Ina telah melaksanakan berbagai implemented various initiatives to ensure the reliability of the
inisiatif untuk memastikan keandalan sistem pengendalian internal. internal control system. These include continuous strengthening
Hal ini meliputi penguatan pengawasan internal yang berkelanjutan, of internal controls, implementation of rigorous audit procedures,
pelaksanaan prosedur audit yang ketat, serta peningkatan sistem and enhancement of information systems and technology to
informasi dan teknologi untuk mendukung pengawasan dan support more efficient monitoring and reporting. In addition,
pelaporan yang lebih efisien. Selain itu, manajemen risiko juga risk management is also a key focus for Bank Ina, with the
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Laporan Manajemen
Management Report
menjadi fokus utama Bank Ina, dengan penerapan framework implementation of a comprehensive risk framework, regular risk
risiko yang komprehensif, identifikasi risiko secara berkala, dan identification, and the development of effective risk mitigation
pengembangan strategi mitigasi risiko yang efektif. strategies.
Selain itu, Bank Ina terus memperhatikan kepatuhan terhadap Moreover, Bank Ina continues to pay attention to compliance with
peraturan dan standar yang berlaku. Bank Ina senantiasa applicable regulations and standards. Bank Ina always conducts
melakukan evaluasi rutin terhadap kepatuhan terhadap regular evaluations of compliance with laws and regulations, and
peraturan perundang-undangan, serta melakukan perbaikan makes necessary improvements and adjustments in accordance
dan penyesuaian yang diperlukan sesuai dengan perkembangan with changing regulatory developments. By upholding GCG
regulasi yang terus berubah. Dengan menjunjung tinggi nilai-nilai values, Bank Ina believes it can continue to strengthen its position
GCG, Bank Ina meyakini dapat terus memperkuat posisi sebagai as a stable, transparent and trustworthy financial institution in the
lembaga keuangan yang stabil, transparan, dan dapat dipercaya eyes of the public and the market.
di mata masyarakat dan pasar.
Kinerja Komite di Bawah Direksi Performance of Committees Under the
Board of Directors
Penilaian kinerja komite di bawah Direksi merupakan hal yang Performance assessment of committees under the Board of Directors
penting dalam aspek tata kelola, terutama untuk menjaga efektivitas is an important aspect of governance, especially to maintain the
dan efisiensi operasional Bank Ina. Oleh karena itu, penilaian kinerja effectiveness and efficiency of Bank Ina’s operations. Therefore, the
terhadap Komite Kredit, Komite Kebijakan Perkreditan, Komite performance assessment of the Credit Committee, Credit Policy
Manajemen Risiko, Komite Aset dan Liabilitas (ALCO), Komite Committee, Risk Management Committee, Asset and Liability
Pengarah Teknologi Informasi, dan Komite Sumber Daya Manusia Committee (ALCO), Information Technology Steering Committee,
senantiasa dilakukan Direksi secara berkala dengan menggunakan and Human Resources Committee is regularly conducted by the
berbagai indikator penilaian yang relevan. Berdasarkan hasil penilaian Board of Directors using various relevant assessment indicators.
yang dilakukan tahun buku 2023, penilaian kinerja komite di bawah Based on the results of assessment conducted in fiscal year 2023,
Direksi Bank Ina juga menunjukkan bahwa komite tersebut telah the performance assessment of committees under the Board of
menjalankan tugas dan tanggung jawab mereka dengan penuh Directors of Bank Ina showed that the committees have carried
integritas, profesionalisme, dan kompetensi. Kontribusi yang out their duties and responsibilities with integrity, professionalism,
diberikan telah menjadi pilar yang kuat dalam meningkatkan kualitas and competence. Their contributions have been a strong pillar in
penerapan GCG, mengelola risiko dengan efektif, dan menjaga improving the quality of GCG implementation, managing risks
kepatuhan terhadap regulasi. Dengan dukungan yang terus-menerus effectively, and maintaining regulatory compliance. With the
dari komite-komite ini, Bank Ina dapat terus bergerak maju menuju continued support of these committees, Bank Ina can continue
pencapaian tujuan strategis serta menjaga kepatuhan terhadap to move forward towards achieving its strategic objectives and
regulasi dan standar industri. maintaining compliance with regulations and industry standards.
Kebijakan Bank Ina dalam Pengembangan Bank Ina’s Policy on HR, IT, and
SDM, TI, dan Infrastruktur Infrastructure Development
Kebijakan Bank Ina dalam pengembangan sumber daya Bank Ina’s policies on human resources (HR), information technology
manusia (SDM), teknologi informasi (TI), dan infrastruktur (IT), and infrastructure development emphasize its commitment
menegaskan komitmen Bank Ina untuk memastikan bahwa to ensuring that all these aspects are high quality, modern, and
seluruh aspek tersebut memiliki kualitas tinggi, modern, dan ready to support Bank Ina’s growth and transformation. In terms
siap mendukung pertumbuhan dan transformasi Bank Ina. of human resource development, Bank Ina continues to increase
Dalam hal pengembangan SDM, Bank Ina terus meningkatkan investment in employee training and development. Bank Ina
investasi dalam pelatihan dan pengembangan karyawan. Bank Ina recognizes that competent and knowledgeable employees are
menyadari bahwa karyawan yang kompeten dan berpengetahuan its greatest asset, and therefore, Bank Ina always pays special
luas merupakan aset terbesar, dan oleh karena itu, Bank Ina attention to the development of employees’ skills, leadership
senantiasa memberikan perhatian khusus pada pengembangan and technical expertise. In addition, Bank Ina also encourages an
keterampilan, kepemimpinan, dan keahlian teknis karyawan. inclusive and collaborative work culture to create an environment
Selain itu, Bank Ina juga mendorong budaya kerja yang inklusif that supports growth and innovation.
dan kolaboratif untuk menciptakan lingkungan yang mendukung
pertumbuhan dan inovasi.
Dalam hal TI, Bank Ina terus melakukan inovasi dan modernisasi In terms of IT, Bank Ina continues to innovate and modernize its
sistem TI untuk meningkatkan efisiensi operasional, keamanan IT systems to improve operational efficiency, data security and
data, dan pengalaman nasabah. Bank Ina terus menginvestasikan customer experience. Bank Ina continues to invest resources in the
sumber daya dalam pengembangan sistem perbankan digital yang development of reliable digital banking systems and user-friendly
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50 Laporan Tahunan 2023
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andal serta layanan perbankan yang mudah digunakan. Dengan banking services. Thus, Bank Ina strives to meet the needs of
demikian, Bank Ina berupaya untuk memenuhi kebutuhan nasabah modern customers who increasingly rely on technology. In terms
modern yang semakin mengandalkan teknologi. Sedangkan dalam of infrastructure development, Bank Ina ensures that its systems
hal pengembangan infrastruktur, Bank Ina memastikan bahwa and facilities are adequate to support sustainable business growth.
sistem dan fasilitas yang dimiliki telah memadai untuk mendukung Bank Ina continues to maintain and upgrade our technology
pertumbuhan bisnis yang berkelanjutan. Bank Ina terus melakukan infrastructure, including data centers and communication
pemeliharaan dan peningkatan pada infrastruktur teknologi kami, networks, to ensure operational reliability and security. In
termasuk pusat data dan jaringan komunikasi, untuk memastikan addition, Bank Ina also pays attention to the development of
keandalan dan keamanan operasional. Selain itu, Bank Ina juga physical infrastructure, such as branch offices and service centers,
memperhatikan pengembangan infrastruktur fisik, seperti kantor to ensure that Bank Ina can provide the best service to customers
cabang dan pusat layanan, untuk memastikan bahwa Bank Ina in all operational areas.
dapat memberikan pelayanan terbaik kepada nasabah di seluruh
wilayah operasional.
Komitmen Bank Ina terkait Penerapan Bank Ina’s Commitment to Implementing
Keuangan Berkelanjutan Sustainable Finance
Komitmen Bank Ina terkait penerapan keuangan berkelanjutan Bank Ina’s commitment to implementing sustainable finance
menjadi inisiatif strategis dalam mengintegrasikan aspek-aspek is a strategic initiative in integrating environmental, social, and
lingkungan, sosial, dan tata kelola perusahaan (environmental, governance (ESG) aspects in all aspects of operations and decision
social, and governance/ESG) dalam seluruh aspek operasional dan making. Bank Ina understands that the practice of sustainable
pengambilan keputusan. Bank Ina memahami bahwa praktik finance is not only about achieving financial returns, but also
keuangan berkelanjutan bukan hanya tentang pencapaian about the positive impact it has on society and the environment.
keuntungan finansial, tetapi juga mengenai dampak positif In an effort to realize this commitment, Bank Ina has taken
yang diberikan bagi masyarakat dan lingkungan sekitar. Dalam concrete steps, among others by integrating ESG considerations
upaya mewujudkan komitmen ini, Bank Ina telah mengambil in investment decisions, developing sustainable finance products,
langkah-langkah konkret, antara lain dengan mengintegrasikan and supporting financing for MSMEs. Bank Ina is also active in
pertimbangan ESG dalam keputusan investasi, mengembangkan supporting sustainability initiatives, such as CSR programs, social
produk-produk keuangan yang berkelanjutan, dan mendukung investment, and support for environmental protection programs.
pembiayaan terhadap UMKM. Bank Ina juga aktif dalam mendukung
inisiatif keberlanjutan, seperti program-program CSR, investasi sosial,
dan dukungan terhadap program perlindungan lingkungan.
Melalui komitmen terhadap penerapan keuangan berkelanjutan, Through its commitment to implementing sustainable finance,
Bank Ina bertekad untuk turut berkontribusi dalam memberikan Bank Ina is determined to contribute to positive change in the
perubahan yang positif di industri perbankan serta mendorong banking industry and encourage inclusive and sustainable
pertumbuhan yang inklusif dan berkelanjutan bagi seluruh pemangku growth for all stakeholders. Bank Ina believes that by prioritizing
kepentingan. Bank Ina yakin bahwa dengan memprioritaskan sustainability in all aspects of banking operations, it can create
keberlanjutan dalam seluruh aspek operasional perbankan, Bank Ina sustainable added value for society, the environment, and the
dapat menciptakan nilai tambah yang berkelanjutan bagi masyarakat, economy as a whole.
lingkungan, dan ekonomi secara keseluruhan.
Perubahan Komposisi Anggota Direksi Changes in the Board of Directors’
Composition
Sepanjang tahun 2023, terdapat beberapa kali perubahan Throughout 2023, there were several changes in the composition
susunan anggota Direksi Bank Ina sebagaimana diuraikan berikut. of Bank Ina’s Board of Directors as described below.
1. Berdasarkan RUPS Luar Biasa tanggal 9 Januari 2023, Bank 1. Based on the Extraordinary GMS dated January 9, 2023, Bank
Ina mengangkat Bapak Henry Koenaifi sebagai Direktur Retail Ina appointed Mr. Henry Koenaifi as Retail Banking Director
Banking menggantikan posisi Bapak Budijanto Soedarpo yang replacing Mr. Budijanto Soedarpo who resigned.
mengundurkan diri.
2. Berdasarkan RUPS Luar Biasa tanggal 19 Mei 2023, Bank 2. Based on the Extraordinary GMS dated May 19, 2023, Bank Ina
Ina mengangkat oleh Bapak Henry Koenaifi sebagai Direktur appointed Mr. Henry Koenaifi as President Director replacing
Utama menggantikan posisi Bapak Daniel Budirahayu yang Mr. Daniel Budirahayu who passed away on March 22, 2023.
wafat pada tanggal 22 Maret 2023. Bank Ina juga mengangkat Bank Ina also appointed Mr. Yulius Purnama Junaedi as Vice
Bapak Yulius Purnama Junaedi sebagai Wakil Presiden Direktur. President Director.
3. Berdasarkan RUPS Luar Biasa tanggal 16 Juni 2023, Bank Ina 3. Based on the Extraordinary GMS dated June 16, 2023, Bank
mengangkat Bapak Yandy Ramadhani sebagai Direktur Bisnis Ina appointed Mr. Yandy Ramadhani as Retail Business
Retail. Director.
PT Bank Ina Perdana Tbk
2023 Annual Report 51
Page 54
Laporan Manajemen
Management Report
Selain itu, berdasarkan RUPS Luar Biasa 15 Maret 2024, komposisi Furthermore, based on the Extraordinary GMS dated March 15,
Direksi Bank Ina kembali mengalami perubahan seiring dengan 2024, the composition of Bank Ina’s Board of Directors underwent
diangkatnya Ibu Dewi Kurniawati Prodjohartono sebagai Direktur another change with the appointment of Ms. Dewi Kurniawati
Commercial Banking. Dengan demikian, komposisi anggota Prodjohartono as Commercial Banking Director. Thus, the
Direksi Bank Ina pada saat Laporan Tahunan dan Keberlanjutan composition of Bank Ina’s Board of Directors at the time of this
ini diterbitkan menjadi sebagai berikut. Annual and Sustainability Report is as follows.
Nama Jabatan
Name Position
Henry Koenaifi Direktur Utama / President Director
Yulius Purnama Junaedi Wakil Direktur Utama / Vice President Director
Kiung Hui Ngo Direktur Keuangan / Director of Finance
Adhiputra Tanoyo Direktur Manajemen Risiko dan Kepatuhan / Director of Risk Management and Compliance
Yandy Ramadhani Direktur Bisnis Retail / Director of Retail Bussiness
Dewi Kurniawati Prodjohartono*) Direktur Komersial Banking / Director of Commercial Banking
*)
Pengangkatan sebagai Direktur Komersial Banking berlaku efektif sejak memperoleh persetujuan dari Otoritas Jasa Keuangan atas penilaian dan kepatutan (fit and proper test) dan
memenuhi peraturan perundang-undangan yang berlaku. / Appointment as Director of Commercial Banking is effective upon approval from the Financial Services Authority (OJK) for
a fit and proper test and compliance with applicable laws and regulations.
Penutup Closing
Menutup penyampaian Laporan ini, saya, atas nama Direksi In closing the submission of this Report, I, on behalf of the Board
Bank Ina, menyampaikan terima kasih dan apresiasi kepada of Directors of Bank Ina, would like to express my gratitude
Dewan Komisaris atas arahan dan pengawasan yang cermat and appreciation to the Board of Commissioners for its careful
sehingga menjadi pilar dalam memastikan bahwa Bank Ina direction and supervision that serve as pillars in ensuring that
menjalankan operasinya dengan integritas dan keberlanjutan. Bank Ina conducts its operations with integrity and sustainability.
Ucapan terima kasih dan apresiasi juga disampaikan kepada Gratitude and appreciation are also extended to all employees
segenap karyawan atas dedikasi dan kontribusi luar biasa yang for their dedication and outstanding contributions to Bank Ina.
telah diberikan kepada Bank Ina. Kerja keras dan komitmen The hard work and commitment of our employees have formed
karyawan telah membentuk fondasi kesuksesan Direksi sehari- the foundation of the Board’s day-to-day success. In addition,
hari. Selain itu, Direksi juga menyampaikan terima kasih kepada the Board of Directors would like to thank all customers and
seluruh nasabah dan pemangku kepentingan lainnya yang telah other stakeholders who have placed their trust in Bank Ina. With
memberikan kepercayaannya kepada Bank Ina. Dengan kolaborasi continued collaboration and support from all stakeholders, the
dan dukungan yang terus-menerus dari seluruh pemangku Board of Directors is confident that Bank Ina will continue to
kepentingan, Direksi meyakini Bank Ina akan terus menghadirkan deliver reliable banking services so that it can continue to provide
layanan perbankan yang andal sehingga mampu terus memberikan added value to all stakeholders.
nilai tambah bagi seluruh pemangku kepentingan.
Atas nama Direksi,
On behalf of the Board of Directors,
Henry Koenaifi
Direktur Utama
President Director
PT Bank Ina Perdana Tbk
52 Laporan Tahunan 2023
Page 55
Tanggung Jawab Laporan Tahunan [POJK51-G.2]
Annual Report Responsibility
SURAT PERNYATAAN ANGGOTA DEWAN KOMISARIS DAN ANGGOTA DIREKSI
TENTANG TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2023
PT BANK INA PERDANA TBK
STATEMENT OF MEMBERS OF THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS
ON THE RESPONSIBILITY FOR THE 2023 ANNUAL REPORT OF
PT BANK INA PERDANA TBK
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information in the
semua informasi dalam Laporan Tahunan PT Bank Ina Perdana Tbk Annual Report of PT Bank Ina Perdana Tbk for year 2023 has been
tahun 2023 telah dimuat secara lengkap dan bertanggung jawab fully contained and we shall be fully responsible to the correctness
penuh atas kebenaran isi Laporan Tahunan Bank. of contents in the Annual Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, April 2024
Dewan Komisaris
Board of Commissioners
Inawaty Handojo
Komisaris Utama Independen
Independent President Commissioner
Yohanes Santoso Wibowo Josavia Rachman Ichwan
Komisaris Independen Komisaris
Independent Commissioner Commissioner
Direksi
Board of Directors
Henry Koenaifi
Direktur Utama
Yulius Purnama Junaedi President Director Kiung Hui Ngo
Wakil Direktur Utama Direktur Keuangan
Vice President Director Director of Finance
Adhiputra Tanoyo Yandy Ramadhani
Direktur Manajemen Risiko dan Kepatuhan Direktur Bisnis Retail
Director of Risk Management and Compliance Director of Retail Business
PT Bank Ina Perdana Tbk
2023 Annual Report 53
Page 56
Laporan Manajemen
Management Report
Dewan Komisaris
Board of Commissioners
dari kiri ke kanan / from left to right
2 1 3
1. Inawaty Handojo 2. Yohanes Santoso Wibowo 3. Josavia Rachman Ichwan
Komisaris Utama Independen Komisaris Independen Komisaris Independen
Independent President Commissioner Independent Commissioner Independent Commissioner
PT Bank Ina Perdana Tbk
54 Laporan Tahunan 2023
Page 57
Direksi
Board of Directors
dari kiri ke kanan / from left to right
2 3 1 6 5 4
1. Henry Koenaifi 3. Kiung Hui Ngo 5. Yandy Ramadhani
Direktur Utama Direktur Keuangan Direktur Bisnis Retail
President Director Director of Finance Director of Retail Bussiness
2. Yulius Purnama Junaedi 4. Adhiputra Tanoyo 6. Dewi Kurniawati
Wakil Direktur Utama Direktur Manajemen Risiko dan Kepatuhan Prodjohartono*)
Vice President Director Director of Risk Management and Compliance
*)
Telah diangkat melalui RUPS Luar Biasa tanggal 15 Maret 2024 sebagai Direktur Komersial Banking dan berlaku efektif sejak memperoleh persetujuan dari Otoritas Jasa Keuangan
atas penilaian dan kepatutan (fit and proper test) dan memenuhi peraturan perundang-undangan yang berlaku. / Has been appointed through the Extraordinary GMS dated March
15, 2024, as Director of Commercial Banking and has been effective since obtaining approval from the Financial Services Authority for the fit and proper test and complying with
applicable laws and regulations.
PT Bank Ina Perdana Tbk
2023 Annual Report 55
Page 58
Profil
Perusahaan
Company
Profile
03
PT Bank Ina Perdana Tbk
56 Laporan Tahunan 2023
Page 59
PT Bank Ina Perdana Tbk
2023 Annual Report 57
Page 60
Profil Perusahaan
Company Profile
Riwayat Singkat
Brief History
PT Bank Ina Perdana Tbk (Bank Ina atau Bank) didirikan pada PT Bank Ina Perdana Tbk (Bank Ina or the Bank) was established
9 Februari 1990. Perjalanan bisnis Bank Ina dimulai pada 3 Juni on February 9, 1990. Bank Ina’s business journey began on June 3,
1991 setelah mendapatkan izin beroperasi secara komersial 1991, after obtaining a license to operate commercially from the
dari Kementerian Keuangan. Sejak saat itu, perluasan jaringan Ministry of Finance. Since then, the expansion of office networks
kantor di beberapa kota di Pulau Jawa dilakukan secara bertahap in several cities in Java Island was carried out gradually and joined
serta turut bergabung dengan jaringan ATM Bersama. Bank Ina ATM Bersama network. Bank Ina then conducted an initial public
kemudian melakukan penawaran umum saham perdana di Bursa offering on the Indonesia Stock Exchange on January 16, 2014,
Efek Indonesia pada 16 Januari 2014 dalam rangka mendukung in order to support and strengthen the Bank’s products, services,
serta memperkuat produk, pelayanan, dan permodalan Bank. and capital.
PT Bank Ina Perdana Tbk
58 Laporan Tahunan 2023
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Saat ini, Bank aktif dalam mengembangkan digitalisasi Currently, the Bank is actively developing digitalization
produk perbankan guna mengoptimalkan produk of banking products to optimize the Bank’s products and
dan layanan yang diberikan. Sejumlah produk digital services. A number of digital banking products have been
perbankan telah diluncurkan, meliputi INA Virtual launched, including INA Virtual Account, INA Electronic
Account, INA Electronic Data Capture (INA EDC), Mobile Data Capture (INA EDC), Mobile Banking, Individual
Banking, Internet Banking Individu, dan Internet Banking Internet Banking, and Business Internet Banking to make
Bisnis guna nasabah lebih mudah dalam melakukan it easier for customers to conduct transactions. In 2023,
transaksi. Pada tahun 2023, Bank meluncurkan the Bank Layanan Digital as a breakthrough of banking
Layanan Digital sebagai terobosan layanan perbankan services designed for owners of micro, small, and
yang dirancang bagi para pemilik usaha mikro, kecil, medium enterprises (MSMEs) in Indonesia. Through this
dan menengah (UMKM) di Indonesia. Melalui aplikasi application, the Bank aspires to support MSMEs progress
tersebut, Bank bercita-cita mendukung kemajuan serta and success, one of which is by providing working capital
keberhasilan UMKM, salah satunya dengan menyediakan loans.
pinjaman modal usaha.
Di sisi lain, sebagai bentuk dukungan terhadap On the other hand, as a form of support for sustainable
pertumbuhan bisnis yang berkelanjutan, Bank berupaya business growth, the Bank seeks to provide green
untuk melakukan pembiayaan hijau serta pembiayaan financing and sustainable business financing to
kegiatan usaha berkelanjutan kepada nasabah korporat. corporate customers. In addition, the Bank also
Selain itu, Bank turut memfasilitasi pengembangan facilitates community development and pays attention to
masyarakat serta memperhatikan aspek lingkungan di environmental aspects in every line of business.
setiap lini bisnis yang dijalankan.
Perubahan Organisasi Bersifat Significant Organizational Change
Signifikan [POJK51- C.6] [POJK51- C.6]
Pada tahun 2023, Bank Ina meresmikan Kantor In 2023, Bank Ina inaugurated Tegal Branch Office (KC)
Cabang (KC) Tegal dan Kantor Cabang Pembantu and Indogrosir Sukabumi Sub-Branch Office (KCP). The
(KCP) Indogrosir Sukabumi. Bank juga meningkatkan Bank also upgraded the status of Kelapa Gading KCP
status KCP Kelapa Gading menjadi KC. Di sisi lain, Bank to KC. On the other hand, the Bank relocated KCP
merelokasi KCP Kembang Japun menjadi KC Mayjend Kembang Japun to KC Mayjend Sungkono. This step was
Sungkono. Langkah tersebut dilakukan Bank dalam taken by the Bank in order to maximize and streamline
rangka memaksimalkan dan mengefisiensikan kegiatan operational activities.
operasional.
PT Bank Ina Perdana Tbk
2023 Annual Report 59
Page 62
Profil Perusahaan
Company Profile
Jejak Langkah
Milestones
Bank Ina berdiri pada tanggal Menambah jaringan kantor di
9 Februari 1990. Yogyakarta, Semarang, dan Solo.
Bank Ina was established on Bergabung dengan ATM Bersama. Add office network in Yogyakarta,
February 9, 1990. Join ATM Bersama. Semarang, and Solo.
1990 1991 2008 2009 2010
Mendapat izin operasional sebagai
Bank Umum dari Kementerian Memperluas jaringan kantor di
Keuangan. Bandung, Surabaya, dan Jakarta.
Expand office network in Bandung,
Obtain an operational license as a
Surabaya, and Jakarta.
Commercial Bank from the Ministry
of Finance.
Pembukaan Kantor Kas Indogrosir Karawang.
Open of Indogrosir Karawang Cash Office.
2018 2019 2020
• Mulai mengaktifkan sejumlah aplikasi dan fitur berbasis digital; Menjadi Bank Devisa dengan Surat
• Meluncurkan Call INA; No. KEP-87/D.03/2020 tanggal 16 Juli
• Meluncurkan pelayanan e-statement rekening koran kepada nasabah; 2020.
• Mengimplementasikan SMS Broadcast/SMS Blast; Become a Foreign Exchange Bank with
• Menempatkan 11 unit mesin electronic data capture (EDC) di beberapa cabang Indogrosir; Letter No. KEP-87/D.03/2020 dated
• Mendapat izin debit Gerbang Pembayaran Nasional (GPN) dari Bank Indonesia sebagai July 16, 2020.
issuer dan acquirer untuk transaksi kartu di jaringan GPN; dan
• Meluncurkan peremajaan ATM di seluruh cabang dengan ATM yang telah berbasis
chip National Standard Indonesian Chip Card Specification (NSICCS).
• Start activating a number of digital-based applications and features;
• Launch Call INA;
• Launch e-statement of checking accounts for customers;
• Implement SMS Broadcast/SMS Blast;
• Place 11 units of the electronic data capture (EDC) machine in several Indogrosir
branches;
• Obtain a National Payment Gate (GPN) debit permit from Bank Indonesia as issuer and
acquirer for card transactions on the GPN network; and
• Launch ATM rejuvenation in all branches with ATMs that have been based on National
Standard Indonesian Chip Card Specification (NSICCS).
PT Bank Ina Perdana Tbk
60 Laporan Tahunan 2023
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• Melakukan Penawaran Umum Terbatas (PUT) II;
• Peningkatan modal bank sebesar 155,28% atau
Rp1.160,16 miliar;
• Menjadi Bank dengan Kategori BUKU II; dan
• Melakukan pembukaan 3 kantor cabang di
Denpasar, Makassar, dan Malang, serta 4
payment point di Indogrosir Cipinang, Bandung,
Semarang, dan Bintara.
• Conduct Limited Public Offering (PUT) II;
• Increase in bank capital by 155.28% or
Rp1,160.16 billion;
• Become a Bank with BUKU II Category; and
Pencatatan perdana saham tanggal • Open 3 branch offices in Denpasar, Makassar,
16 Januari 2014. and Malang, as well as 4 payment points at
Initial listing of shares on January 16, Indogrosir Cipinang, Bandung, Semarang, and
2014. Bintara.
2011 2014 2016 2017
Telah memiliki 22 kantor di • Memperoleh penambahan modal disetor sebesar Rp62.500.000.000,-
seluruh Indonesia. sehingga modal disetor menjadi Rp272.500.000.000,-; dan
Already have 22 offices • Menambah 3 payment point di Indogrosir Kemayoran, Indogrosir Surabaya,
throughout Indonesia. dan Indogrosir Tangerang.
• Obtain additional paid-in capital of Rp62,500,000,000, and therefore, that the
paid-up capital became Rp272,500,000,000; and
• Add 3 payment points at Indogrosir Kemayoran, Indogrosir Surabaya, and
Indogrosir Tangerang.
Melakukan Penawaran Umum Terbatas (PUT) IV dalam rangka
penerbitan Hak Memesan Efek Terlebih Dahulu (HMETD) kepada
para Pemegang Saham.
Conduct the Limited Public Offering (PUT) IV in order to issue
Pre-emptive Rights (HMETD) to Shareholders.
2021 2022 2023
• Melakukan Penawaran Umum Terbatas • Pembukaan Kantor Cabang (KC) Tegal dan Kantor Cabang Pembantu
(PUT) III; dan (KCP) Indogrosir di Sukabumi;
• Pembentukan Direktorat Digital Banking • Peningkatan status KCP Indogrosir Cipinang dan KC Kelapa Gading; dan
untuk mengelola dan menghadirkan
• Peluncuran produk baru, yakni Tabina QRIS, Tabungan Devisa Hasil
layanan perbankan digital bagi nasabah
Ekspor Sumber Daya Alam (DHE SDA), Tabungan DHE SDA Valas, Giro
ritel dan UMKM, memberikan produk dan
DHE SDA, Giro DHES SDA Valas, serta Layanan Digital berupa produk
pengalaman perbankan yang lebih baik,
Aplikasi Bina, Pinjaman Digital Bina (modal usaha untuk UMKM dan
serta memperluas akses layanan keuangan
bagi masyarakat luas. penyaluran Loan Channeling), dan Agen Bina.
• Conduct Limited Public Offering (PUT) III; • Opening of Tegal Branch Office (KC) and Indogrosir Sub-Branch Office
and (KCP) in Sukabumi;
• Establish the Directorate of Digital • Upgrading the status of KCP Indogrosir Cipinang and KC Kelapa Gading;
Banking to manage and provide digital and
banking services for retail and MSME • Launching new products, namely Tabina QRIS, Savings for Foreign
customers, provide better banking Exchange of Natural Resources Export Proceeds (DHE SDA), Savings
products and experiences, and expand for DHE SDA Forex, Giro DHE SDA, Giro DHES SDA Forex, and Digital
access to financial services for the wider Services in the form of Bina Application products, Bina Digital Loans
community. (business capital for MSMEs and Loan Channelling), and Bina Agents.
PT Bank Ina Perdana Tbk
2023 Annual Report 61
Page 64
Profil Perusahaan
Company Profile
Visi dan Misi [POJK51- C.1]
Vision and Mission
VISI VISION
Menjadi Bank nasional pilihan
utama masyarakat.
To become the people’s first
choice of national bank.
MISI MISSION
Menunjang perekonomian Indonesia, melalui penyediaan produk dan layanan perbankan
umum serta digital yang mendukung keberhasilan nasabah individu, UMKM, dan Korporasi.
Supporting the Indonesian economy, through the provision of general and digital banking products and
services that support the success of individual customers, MSMEs, and Corporations.
Memberikan solusi keuangan yang cepat, aman, dan nyaman.
Providing fast, safe, and convenient financial solutions.
Membangun SDM yang kompeten serta menjunjung tinggi nilai dasar Perusahaan.
Build competent human resources and uphold the company’s basic values.
Meningkatkan nilai tambah bagi Pemegang Saham dan pemangku kepentingan lainnya.
Increasing added value for Shareholders and other stakeholders.
Pernyataan Persetujuan atas Visi dan Misi Bank:
Visi dan Misi Bank di atas telah disetujui oleh Direksi melalui Surat Keputusan
No. SK/DIR/040A/1021 tanggal 15 Oktober 2021.
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62 Laporan Tahunan 2023
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Nilai Dasar Perusahaan [POJK51- C.1]
Corporate Values
INTEGRITY NIMBLE
Memiliki kejujuran dan etika, Bekerja gesit dan cekatan
menjunjung teguh apa yang dengan penuh keahlian di
menjadi komitmen dan bidangnya.
melaksanakan secara konsisten
Work agile and nimble with full
dengan penuh tanggung jawab
expertise in their field.
atas janji yang diberikan.
Have honesty and ethics, uphold
what is a commitment and carry out
consistently with full responsibility
for the promises made.
ACCOUNTABLE PROGRESSIVE PROFESSIONAL
Ikut mempertanggungjawabkan Berusaha untuk sebuah Memahami dan mampu
atas penugasan baik terhadap kemajuan yang berkelanjutan melaksanakan tugas secara
diri sendiri maupun aksi dari agar memberikan hal-hal yang mumpuni serta bertanggung
keputusan organisasi secara lebih baik. jawab untuk menyelesaikan
menyeluruh. masalah yang dihadapi dengan
Strive for a continuous progress to
komitmen tinggi, tekun, dan
Take responsibility for assignments provide better things.
disiplin.
both to yourself and the actions
of the organization’s decisions in Understand and be able to carry out
overall. tasks in a qualified and responsible
manner to solve problems
encountered with high commitment,
diligence, and discipline.
Approval Statement on the Vision and Mission of the Bank:
The Vision and Mission of the Bank have been approved by the Board of Directors through Decision
No. SK/DIR/040A/1021 dated October 15, 2021.
PT Bank Ina Perdana Tbk
2023 Annual Report 63
Page 66
Profil Perusahaan
Company Profile
Bidang Usaha [POJK51- C.4]
Field of Business
Kegiatan Usaha Bank Ina dilaksanakan sesuai Pasal 3 Ayat 1 Anggaran Business Activities of Bank Ina are carried out in accordance
Dasar Perusahaan, Akta No. 31 tanggal 9 September 2013. with Article 3 Paragraph 1 of the Articles of Association of the
Company, Deed No. 31 dated September 9, 2013.
Kegiatan Usaha yang Dijalankan pada
Tahun 2023
Kegiatan Usaha Berdasarkan Anggaran Dasar Terakhir Business Activities Undertaken in 2023
Business Activities Based on the Latest Articles of Association
Sudah Dijalankan Belum Dijalankan
Already Executed Not Yet Executed
Menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro, deposito berjangka,
sertifikat deposito, tabungan, dan/atau bentuk lainnya yang disamakan dengan itu.
Collecting funds from the publzic in the form of deposits in the form of demand deposits, time
deposits, certificates of deposit, savings, and/or other equivalent forms.
Memberikan kredit.
Providing loans.
Menerbitkan surat pengakuan utang.
Issuing a letter of acknowledgment of debt.
Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk kepentingan dan/atau perintah
nasabah.
Buying, selling, or guaranteeing at own risk or for the benefit and/or orders of customers.
• Surat-surat wesel termasuk wesel yang diakseptasi oleh Bank yang masa berlakunya tidak lebih
lama dari pada kebiasaan dalam perdagangan surat-surat dimaksud;
Bills of exchange including money orders accepted by the Bank whose validity period is no longer
than the custom in trading such letters;
• Surat pengakuan utang dan kertas dagang lainnya yang masa berlakunya tidak lebih lama dari
kebiasaan dalam perdagangan surat-surat dimaksud;
Debt acknowledgment letters and other trade papers whose validity period is no longer than the
custom in trading the said papers;
• Kertas perbendaharaan negara dan surat jaminan negara;
National treasury papers and national guarantee letters;
• Sertifikat Bank Indonesia (SBI);
Bank Indonesia Certificates (SBI);
• Obligasi;
Bond;
• Surat dagang berjangka waktu sesuai dengan peraturan perundang-undangan yang berlaku; dan
Trade letters with a maturity in accordance with the applicable laws and regulations; and
• Surat berharga lain yang berjangka waktu sesuai dengan peraturan perundang-undangan yang
berlaku.
Other securities with a maturity in accordance with the applicable laws and regulations.
Memindahkan uang baik untuk kepentingan sendiri maupun untuk kepentingan nasabah.
Transferring money both for its own interests and for the benefit of customers.
Menempatkan dana pada, meminjam dari, atau meminjamkan dana kepada bank lain, baik dengan
menggunakan surat, sarana telekomunikasi, maupun dengan wesel unjuk, cek, atau sarana lainnya.
Placing funds at, borrowing from, or lending funds to other banks, either by using letters,
telecommunications facilities, or by money orders, checks, or other means.
Menerima pembayaran dari tagihan atas surat berharga dan melakukan perhitungan dengan/atau
antara pihak ketiga.
Receiving payments from bills on securities and performing calculations with/or between third parties.
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64 Laporan Tahunan 2023
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Kegiatan Usaha yang Dijalankan pada
Tahun 2023
Kegiatan Usaha Berdasarkan Anggaran Dasar Terakhir Business Activities Undertaken in 2023
Business Activities Based on the Latest Articles of Association
Sudah Dijalankan Belum Dijalankan
Already Executed Not Yet Executed
Menyediakan tempat untuk menyimpan barang dan surat berharga.
Providing a place to store valuables and documents.
Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu kontrak.
Carrying out custodial activities for the benefit of other parties based on a contract.
Melakukan penempatan dana dari nasabah kepada nasabah lainnya dalam surat berharga yang tidak
tercatat di bursa efek.
Placing funds from customers to other customers in securities that are not listed on the stock exchange.
Membeli agunan, baik semua maupun sebagian, melalui pelelangan atau dengan cara lain dalam hal
debitur tidak memenuhi kewajibannya kepada Bank, dengan ketentuan agunan yang dibeli tersebut
wajib dicairkan secepatnya.
Buying collateral, either in whole or in part, through an auction or in other ways if the debtor does
not fulfill his obligations to the Bank, provided that the collateral purchased must be disbursed as
soon as possible.
Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali amanat.
Performing factoring activities, credit card business, and trusteeship activities.
Menyediakan pembiayaan dan/atau melakukan kegiatan lain berdasarkan prinsip syariah, sesuai
dengan ketentuan yang ditetapkan oleh yang berwenang.
Provide financing and/or carry out other activities based on sharia principles, in accordance with the
provisions stipulated by the authorities.
Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang ditetapkan oleh yang
berwenang.
Carrying out activities in foreign currency by fulfilling the conditions set by the authorities.
Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain di bidang keuangan, seperti
sewa guna usaha, modal ventura, perusahaan efek, asuransi, serta lembaga kliring penyelesaian dan
penyimpanan, dengan memenuhi ketentuan yang ditetapkan oleh yang berwenang.
Carrying out equity participation activities in banks or other companies in the financial sector, such as
leasing, venture capital, securities companies, insurance, as well as settlement clearing and depository
institutions, by fulfilling the conditions set by the authorities.
Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat kegagalan kredit
atau kegagalan pembiayaan berdasarkan prinsip syariah, dengan syarat harus menarik kembali
penyertaannya, dengan memenuhi ketentuan yang ditetapkan oleh yang berwenang.
Carrying out temporary capital participation activities to overcome the consequences of credit
failure or financing failure based on sharia principles, with the condition that participation must be
withdrawn, by fulfilling the provisions set by the authorities.
Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun sesuai dengan ketentuan dalam
peraturan perundang-undangan dana pensiun yang berlaku.
Acting as the founder of the pension fund and administrator of the pension fund in accordance with
the provisions of the applicable pension fund laws and regulations.
Melakukan kegiatan lain yang lazim dilakukan oleh bank sepanjang tidak bertentangan dengan
peraturan perundang-undangan yang berlaku.
Carrying out other activities commonly carried out by banks if they do not conflict with the applicable
laws and regulations.
PT Bank Ina Perdana Tbk
2023 Annual Report 65
Page 68
Profil Perusahaan
Company Profile
Produk dan Jasa [POJK51- C.4]
Products and Services
Penghimpunan Dana
Funding
Tabina Perdana Tabungan dengan tingkat suku bunga menarik, mendapatkan Savings with attractive interest rates, get an Ina Debit ATM
kartu ATM Debit Ina dan fasilitas Internet Banking dan Mobile card and facilities of Internet Banking and Mobile Banking, as
Banking, serta kemudahan lainnya. well as other conveniences.
Tabungan Bisnis Tabungan untuk perorangan yang memberikan keuntungan Savings for individuals that provide benefits with attractive
Business Savings dengan suku bunga yang menarik sampai dengan suku interest rates up to LPS interest rates, get an Ina Debit ATM
bunga LPS, mendapatkan kartu ATM Debit Ina dan fasilitas card and facilities of Internet Banking and Mobile Banking, as
Internet Banking dan Mobile Banking, serta kemudahan well as other conveniences.
lainnya.
Tabungan Simpel Tabungan yang dirancang untuk pelajar dan mahasiswa Savings designed for students and students through
Simple Savings melalui kerja sama dengan sekolah, lembaga pendidikan, collaboration with schools, educational institutions, and
dan perguruan tinggi. Mendapatkan kartu ATM Debit Ina universities. Get an Ina Debit ATM card and facilities of
dan fasilitas Internet Banking dan Mobile Banking, serta Internet Banking and Mobile Banking, as well as other
kemudahan lainnya. conveniences.
Tabina QRIS Tabungan yang diperuntukkan bagi pemilik merchant Saving accounts intended for Bank Ina’s Quick Response
Tabina QRIS Quick Response Code Indonesian Standard (QRIS) Bank Code Indonesian Standard (QRIS) merchant owners, without
Ina, tanpa biaya admin dan suku bunga yang menarik, admin fees and attractive interest rates, with INA debit ATM
mendapatkan fasilitas ATM debit INA fasilitas Internet facilities of Internet Banking and Mobile Banking facilities.
Banking dan Mobile Banking.
Tabina Berjangka Program tabungan berjangka untuk masyarakat umum di Term savings program for general public where customers
mana nasabah dapat memilih jangka waktu dan setoran can choose the time period and monthly deposit according to
bulanan sesuai dengan tabel yang disiapkan oleh Bank. the table prepared by the Bank.
TabunganKu Bank juga aktif dalam menyukseskan program pemerintah The Bank is also active in the success of the government’s
My Savings untuk memasarkan produk Tabunganku, yang ditujukan program to market My Savings products, which are aimed
kepada perorangan dengan persyaratan mudah dan ringan at individuals with easy and light requirements to foster a
guna menumbuhkan budaya menabung nasional serta national saving culture and improve people’s welfare.
meningkatkan kesejahteraan masyarakat.
Tabungan DHE SDA Rekening tabungan untuk eksportir yang ditujukan khusus A savings account for exporters that is specifically intended
DHE SDA Savings untuk menerima devisa hasil ekspor sumber daya alam to receive foreign exchange proceeds from natural resource
(DHE SDA) dalam mata uang Rupiah. exports (DHE SDA) in Rupiah currency.
Deposito Simpanan berjangka yang memberikan keamanan dan Time deposits that provide security and convenience with
Time Deposits kenyamanan dengan tingkat suku bunga kompetitif. competitive interest rates.
Rekening Giro Rekening pendukung usaha yang memberikan keamanan A business support account that provides security in daily
dalam bertransaksi bisnis sehari-hari dengan menggunakan cek business transactions using checks and billet giro. Receive an
dan bilyet giro. Mendapatkan kartu ATM Debit Ina dan fasilitas Ina Debit ATM card and Internet Banking and Mobile Banking
Internet Banking dan Mobile Banking untuk nasabah perorangan facilities for individual customers and Business Internet
dan Internet Banking Bisnis untuk nasabah perusahaan. Banking for corporate customers.
Giro DHE SDA Rekening giro untuk eksportir yang ditujukan khusus untuk A current account for exporters specifically intended to
DHE SDA Current Account menerima devisa hasil ekspor sumber daya alam (DHE SDA) receive foreign exchange proceeds from natural resource
dalam mata uang rupiah. exports (DHE SDA) in rupiah currency.
Tabina Valas Simpanan valas yang memberikan kemudahan dan Forex savings that provide convenience and benefits, available
keuntungan, tersedia dalam 8 mata uang USD, SGD, AUD, in 8 currencies, namely USD, SGD, AUD, JPY, EUR, HKD, GBP,
JPY, EUR, HKD, GBP, dan CNY. and CNY.
Tabungan DHE SDA Valas Rekening tabungan untuk eksportir yang ditujukan khusus A savings account for exporters specifically intended to
DHE SDA Foreign untuk menerima devisa hasil ekspor sumber daya alam (DHE receive foreign exchange proceeds from natural resource
Currency Savings SDA) dalam mata uang USD, SGD, AUD, JPY, EUR, HKD, GBP, exports (DHE SDA) in USD, SGD, AUD, JPY, EUR, HKD, GBP,
dan CNY. and CNY.
Giro Valas Simpanan valas untuk kemudahan dan kelancaran bisnis, Foreign currency current accounts for the ease and
tersedia dalam 8 mata uang USD, SGD, AUD, JPY, EUR, HKD, smoothness of business, available in 8 currencies, namely
GBP, dan CNY. USD, SGD, AUD, JPY, EUR, HKD, GBP, and CNY.
Giro DHE SDA Valas Rekening giro untuk eksportir yang ditujukan khusus untuk A current account for exporters specifically intended to
DHE SDA Foreign menerima devisa hasil ekspor sumber daya alam (DHE SDA) receive foreign exchange proceeds from natural resource
Currency Current Account dalam mata uang USD, SGD, AUD, JPY, EUR, HKD, GBP, exports (DHE SDA) in USD, SGD, AUD, JPY, EUR, HKD, GBP,
dan CNY. and CNY.
Deposito Valas Simpanan dengan nilai yang pasti dan memberikan rasa Savings with definite value that provide a sense of security,
aman, tersedia dalam 8 mata uang USD, SGD, AUD, JPY, available in 8 currencies, namely USD, SGD, AUD, JPY, EUR,
EUR, HKD, GBP, dan CNY. HKD and GBP.
PT Bank Ina Perdana Tbk
66 Laporan Tahunan 2023
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Program Promosi
Promotion Program
Tabina Triple Untung Mass Program tabungan dengan hadiah langsung senilai Savings program with direct prizes worth Rp25,000 for
Rp25.000,- untuk pembukaan rekening dengan setoran opening an account with a deposit of Rp200,000, plus
Rp200.000,-, ditambah dengan cashback Rp5.000,- per cashback Rp5,000 per month for 6 months if the customer
bulan selama 6 bulan jika nasabah melakukan transaksi makes a transaction at least 1 time per month via e-channel
minimal 1 kali per bulan melalui e-channel Bank Ina. Bank Ina.
Tabina Triple Untung Program tabungan dengan hadiah cashback sesuai tabel Savings program with cash back prizes in accordance with
Affluent nominal penempatan dan jangka waktu hold dana yang the nominal placement table and time to hold funds chosen
dipilih oleh nasabah. by the customer.
Tabina Triple Untung Program tabungan yang dapat diikuti oleh sejumlah nasabah A savings program that can be joined by several customers
Arisan dalam kelompok tertentu, dengan jenis hadiah bervariasi in certain groups, with various types of prizes or the same
atau hadiah yang sama seperti paket tur dan lain-lain, dengan prizes such as tour packages and others, with placement of
penempatan dana dan jangka waktu hold dana sesuai funds and time periods to hold funds in accordance with the
dengan ketentuan yang ditetapkan Bank. provisions stipulated by the Bank.
Tabina Berjangka Program tabungan berjangka dengan hadiah di muka, di A term savings program with prizes in advance, in which
Berhadiah mana nasabah wajib melakukan penyetoran dana pada awal customers are required to deposit funds at the beginning
pembukaan rekening dan sejumlah dana tertentu setiap of opening an account and a certain amount of funds each
bulannya sampai dengan berakhirnya periode waktu yang month until the end of the selected time. Prizes, among
telah dipilih. Hadiah antara lain gadget, cashback, dan lain-lain. others gadget, cashback, and others.
Tabina Green Untung Program tabungan berjangka dengan jenis hadiah barang yang A term savings program with different types of gifts that are eco-
eco-friendly, seperti mobil listrik, motor listrik, dan lain-lain. friendly, such as electric cars, electric motorcycles, and others.
Nasabah melakukan setoran awal dan setoran bulanan dengan The customer makes an initial deposit and a monthly deposit for
jangka waktu yang dipilih sesuai tabel yang ditetapkan oleh Bank. a period chosen according to the table set by the Bank.
Tabina Combo Program bundling Deposito dan Tabungan dengan suku Bundling Program of time deposits and savings at attractive
bunga yang menarik. Penempatan dana dengan komposisi interest rates. Placement of funds with a composition of 70%
70% Deposito dan 30% Tabungan dan jangka waktu 3 dan deposits and 30% savings and a term of 3 and 6 months.
6 bulan.
Gratis Biaya Transaksi di Gratis 20 kali biaya transaksi untuk tarik tunai menggunakan Free 20 times the transaction fee for cash withdrawals using
ATM dan IBMB kartu ATM Bank Ina di ATM Bank lain, dan transaksi transfer, a Bank Ina ATM card at another bank’s ATM, and transfer,
Free Transaction Fees at pembayaran dan pembelian melalui Internet Banking dan payment, and purchase transactions via Internet Banking and
ATMs and IBMB Mobile Banking Bank Ina. Mobile Banking of Bank Ina.
Gratis Biaya Transaksi IBB Gratis biaya transfer online melalui Internet Banking Bisnis Free online transfer fees through Internet Banking business
Free IBB Transaction Fees Bank Ina. of Bank Ina.
Cashback Transaksi QRIS Cashback 50% (maksimal Rp5.000,-) untuk transaksi QRIS Cashback 50% (maximum Rp5,000) for transactions using QRIS
Cashback QRIS melalui Mobile Banking Bank Ina. Maksimum cashback through Mobile Banking of Bank Ina. Maximum cashback given
transactions diberikan sebanyak 3 kali transaksi per nasabah per bulan. is for 3 transactions per customer per month.
Gratis Biaya BI-Fast Gratis biaya BI-Fast melalui Internet Banking dan Mobile Free of charge for BI-Fast through Internet Banking and
Free BI-Fast Fees Banking serta Kantor Cabang Bank Ina. Mobile Banking as well as Bank Ina’s Branch Offices.
Jasa Layanan
Services
ATM Debit INA Memberikan kemudahan untuk bertransaksi di semua ATM Providing convenience for transactions at all ATMs and EDC
dan EDC Merchant yang tergabung dalam jaringan GPN, Merchant which are members of the GPN network, ATM
ATM Prima, dan ATM Bersama yang tersebar di seluruh Prima, and ATM Bersama which are spread throughout
Indonesia. Indonesia.
Layanan Payroll Menyalurkan pembayaran gaji para pegawai bagi perusahaan, Distributing salary payments to employees for the company
Payroll Service serta dapat dilakukan melalui Internet Banking Bisnis Bank and can be done through Internet Banking business of Bank
Ina yang memberikan kemudahan dan fleksibilitas kepada Ina that provides convenience and flexibility to companies.
perusahaan.
Layanan Pendidikan Pelayanan pembayaran uang sekolah atau uang pendidikan Services for payment of school fees or education fees with a
Education Services dengan pola kerja sama dengan pihak institusi pendidikan, pattern of cooperation with educational institutions and can
serta dapat dilakukan melalui virtual account. be done through virtual account.
Layanan Pengambilan Uang Layanan pengambilan uang kepada institusi atau instansi Money withdrawal services to certain institutions or agencies.
Money Collection Service tertentu.
ATM / CRM Layanan setor dan tarik tunai, serta fitur transaksi lainnya, Cash deposit and withdrawal services, as well as other
seperti transfer, pembelian, pembayaran, dan sebagainya guna transaction features, such as transfers, purchases, payments,
memenuhi kebutuhan nasabah yang dapat diakses 24/7. and so on to meet customer needs which can be accessed 24/7.
PT Bank Ina Perdana Tbk
2023 Annual Report 67
Page 70
Profil Perusahaan
Company Profile
Produk Digital
Digital Products
INA Virtual Account Layanan yang diberikan kepada Nasabah Giro Bank Ina untuk Services provided to Bank Ina Giro Customers to be able to
dapat membuatkan rekening virtual kepada para pelanggan/ create a virtual account to the customers/agent/end user
agent/end user dari nasabah sebagai tujuan pembayaran from the customer as a payment destination to facilitate
guna memudahkan identifikasi. identification.
INA Electronic Data Solusi kemudahan pembayaran bagi merchant dengan Ease of payment solutions for merchant by providing
Capture (Ina EDC) memberikan kemudahan penerimaan pembayaran antar convenience for receiving payments between bank accounts
rekening Bank melalui pemindahan dana secara Online dan through direct transfer of funds, Online and Realtime. Ina
Realtime. Ina EDC dapat menerima Pembayaran melalui EDC can accept payments via Debit Cards issued by all
Kartu Debit yang diterbitkan oleh semua Bank di Indonesia banks in Indonesia bearing the National Payment Gateway
yang berlogo gerbang pembayaran nasional (GPN). (GPN) logo.
Mobile Banking Layanan transaksi perbankan untuk memenuhi kebutuhan Banking transaction services to meet customer transaction
transaksi nasabah melalui smartphone dengan menggunakan needs through smartphone by using the mobile application
platform aplikasi mobile berbasis IOS dan Android. platform based on IOS and Android.
Internet Banking Individu Layanan digital untuk nasabah individu yang dapat digunakan A digital service for individual customers that can be used
Individual Internet Banking untuk melakukan layanan perbankan seperti cek saldo, to perform banking services such as checking balances,
transfer dana, pembayaran, dan pembelian melalui personal transferring funds, making payments, and purchasing via
computer maupun laptop/notebook. personal computer and laptops/notebook.
Internet Banking Bisnis Layanan digital untuk nasabah korporasi atau perusahaan Digital services for corporate or company customers that can
Internet Banking Business yang dapat digunakan untuk melakukan layanan perbankan be used to carry out banking services such as balance checks,
seperti cek saldo, transfer dana, pembayaran, dan pembelian fund transfers, payments, and purchases through personal
melalui personal computer maupun laptop/notebook. computer as well as laptops/notebook.
Quick Response Code Layanan kemudahan pembayaran dengan standarisasi Ease of payment services by standardizing payments using QR
Indonesian Standard pembayaran menggunakan metode QR Code dari Bank Code method from Bank Indonesia to process transactions
(QRIS) Indonesia agar proses transaksi dengan QR Code menjadi with QR Code easier, faster, and more secure.
lebih mudah, cepat, dan terjaga keamanannya.
Penyaluran Kredit
Credit Distribution
Kredit Produktif
Productive Credit
Kredit Usaha Rakyat (KUR) Salah satu kredit program pemerintah untuk menumbuhkan One of the government’s loans programs to grow and
People’s Business Credit dan memberdayakan UMKM sebagai pelaku usaha produktif, empower MSMEs as productive business actors who do
(KUR) yang tidak mempunyai agunan atau belum mempunyai not have collateral or do not have sufficient collateral. KUR
agunan yang cukup. KUR dapat diberikan sebagai modal can be provided as working capital (KMK) with a maximum
kerja (KMK) dengan jangka waktu maksimal 3 tahun dan term of 3 years and or investment financing (KI) as a fixed
atau pembiayaan investasi (KI) sebagai fasilitas yang diangsur installment facility for a maximum period of 5 years, with a
secara tetap dalam jangka waktu maksimal 5 tahun, dengan maximum credit according to the specified scheme
maksimum kredit sesuai kategorinya.
Usaha Kecil Menengah Fasilitas kredit untuk pengusaha yang membutuhkan Credit facilities for entrepreneurs who need financing to
Small and medium pembiayaan untuk mengembangkan usaha. Fasilitas kredit develop their business. The credit facilities provided are in the
enterprises yang diberikan berupa: form of:
• Kredit Modal Kerja untuk membiayai persediaan bahan • Working Capital Loans to finance raw material inventories
baku atau piutang usaha yang belum tertagih; dan or uncollected trade receivables; and
• Kredit Investasi untuk membiayai pembangunan pabrik, • Investment Credit to finance factory construction, purchase
pembelian mesin produksi, atau kebutuhan investasi of production machines, or other investment needs.
lainnya.
Komersial/Korporasi Fasilitas kredit untuk pengembangan usaha, meliputi Credit facility for business development, including Working
Commercial/Corporate Kredit Modal Kerja dan Kredit Investasi. Kredit Modal Kerja Capital Loans and Investment Loans. Working Capital Loans
digunakan untuk pembiayaan kebutuhan modal kerja atau are used for financing working capital needs or business
ekspansi usaha yang habis dalam satu siklus usaha dan bersifat expansion that runs out in one business cycle and are
kredit jangka pendek. Sedangkan, Kredit Investasi digunakan short-term loans. Meanwhile, Investment Loans are used
untuk membiayai pembelian aset (mesin, kendaraan, dan to finance the purchase of assets (machinery, vehicles,
lain-lain), pembangunan infrastruktur, pembangunan hotel, etc.), infrastructure development, hotel construction,
pembangunan pabrik, dan lain-lain dalam rangka rehabilitasi, factory construction, etc. in the context of rehabilitation,
modernisasi, perluasan ataupun pendirian proyek baru yang modernization, expansion, or establishment of new projects
bersifat kredit jangka menengah atau panjang. which are medium- or long-term loans.
Mikro (Kredit Program) Fasilitas kredit dengan proses pengajuan yang dapat dilakukan Credit facilities with an application process that can be done
Micro (Program Credit) dengan cepat melalui Marketing Bank Ina yang mendata ke quickly through Bank Ina Marketing who records to your
toko/warung/tempat usaha Bapak/Ibu secara langsung atau shop / stall / place of business directly or at Bank Ina Office
di Kantor Bank Ina yang beroperasi di Gerai Indogrosir. which operates at Indogrosir outlets.
Kredit Konsumer
Consumer Credit
Kredit Pemilikan Properti Fasilitas pinjaman angsuran yang diberikan oleh Bank kepada Instalment loan facilities provided by the Bank to individual
(KPP) debitur perorangan untuk pembelian properti baru (primary) debtors for the purchase of new properties (primary) or
Property Ownership Loans maupun bekas/sekunder (secondary), berupa rumah tapak/ second-hand (secondary), in the form of a landed house/shop
(KPP) rumah toko (ruko), rumah kantor (rukan), atau apartemen house (ruko), office house (rukan), or apartment with the
dengan agunan properti yang dibeli. collateral of the purchased property.
PT Bank Ina Perdana Tbk
68 Laporan Tahunan 2023
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Penyaluran Kredit
Credit Distribution
Kredit Multi Guna (KMG) Fasilitas pinjaman angsuran yang diberikan oleh Bank kepada Instalment loan facilities provided by the Bank to individual
Multi-Purpose Credit debitur perorangan untuk kebutuhan konsumtif (renovasi debtors for consumptive needs (home renovation, house
(KMG) rumah, pembangunan rumah, pernikahan, pendidikan, construction, marriage, education, medical treatment,
pengobatan, pembelian produk berharga/elektronik, dan purchase of valuable/electronic products, and other financial
kebutuhan finansial lain) dengan agunan properti atas nama needs) with property collateral on behalf of the debtor/
debitur/pasangan. spouse.
Kredit Kendaraan Fasilitas pinjaman angsuran yang diberikan oleh Bank kepada Instalment loan facility provided by the Bank to individual
Bermotor (KKB) debitur perorangan untuk pembelian kendaraan bermotor debtors for the purchase of two-wheeled or four-wheeled
Motor Vehicle Loans roda dua atau roda empat (mobil penumpang) dengan motorized vehicles (passenger cars) with collateral in the form
(KKB) agunan berupa kendaraan yang dibeli. of the purchased vehicle.
Kredit Tanpa Agunan Fasilitas pinjaman angsuran yang diberikan oleh Bank kepada Instalment loan facilities provided by the Bank to individual
(KTA) debitur perorangan untuk membiayai berbagai kebutuhan debtors to finance various consumptive needs (home
Unsecured Loans (KTA) konsumtif (renovasi rumah, pernikahan, pendidikan, renovations, weddings, education, medical treatment,
pengobatan, pembelian produk berharga/elektronik, liburan, purchase of valuable/electronic products, vacations, and
dan kebutuhan finansial lain) tanpa agunan. other financial needs) without collateral.
Ina Ready Cash (IRC) Fasilitas pinjaman revolving yang diberikan oleh Bank kepada Fasilitas pinjaman revolving yang diberikan oleh Bank kepada
debitur perorangan untuk membiayai berbagai kebutuhan debitur perorangan untuk membiayai berbagai kebutuhan
mendesak, yang penarikannya dapat dilakukan setiap saat mendesak, yang penarikannya dapat dilakukan setiap saat
melalui Mobile Banking Bank Ina. melalui Mobile Banking Bank Ina.
Produk yang Diluncurkan di Tahun 2023
Product Launched in 2023
Aplikasi Bina Produk layanan perbankan digital yang dirancang bagi A digital banking service product designed for micro, small,
para pemilik usaha mikro kecil dan menengah (UMKM) di and medium enterprise (MSME) owners in Indonesia. This
Indonesia. Aplikasi Mobile Banking ini dikembangkan untuk Mobile Banking application was developed to provide easy
memberikan kemudahan akses fitur-fitur perbankan melalui access to banking features through customers’ devices and
device milik nasabah dan memudahkan calon nasabah untuk facilitate prospective customers to register online anywhere
melakukan pendaftaran secara online di mana pun dan and anytime.
kapan pun.
Pinjaman Digital Bina Fasilitas kredit modal kerja yang diberikan kepada pelaku Working capital credit facilities provided to MSMEs which
UMKM yang diakses dan disalurkan untuk kebutuhan belanja are accessed and channeled for shopping needs for products
kebutuhan produk melalui aplikasi mitra yang telah bekerja through partner applications that have collaborated with
sama dengan Bank Ina. Bank Ina.
Loan Channeling Penyaluran pinjaman untuk segmen produktif (UMKM) Loan distribution for the productive segment (MSMEs) through
melalui skema channeling bekerja sama dengan mitra (peer channeling schemes in collaboration with partners (peer to
to peer lending, koperasi, atau lembaga keuangan lainnya) peer lending, cooperatives, or other financial institutions) that
yang memiliki izin usaha resmi dari regulator di Indonesia. have official business licenses from regulators in Indonesia.
Aplikasi Agen Bina Layanan keuangan tanpa kantor dalam rangka inklusif Office-less financial services in the context of financial
keuangan yang menyediakan layanan perbankan melalui inclusion that provide banking services through cooperation
kerja sama dengan pihak lainnya yang ditunjuk sebagai agen with other parties appointed as Laku Pandai Bank agents.
Laku Pandai Bank.
PT Bank Ina Perdana Tbk
2023 Annual Report 69
Page 72
Profil Perusahaan
Company Profile
Struktur Organisasi
Organizational Structure
Berikut Struktur Organisasi Bank Ina berdasarkan SK/DIR/041/0823 tanggal 18 Agustus 2023.
The following is the Organizational Structure of Bank Ina based on SK/DIR/041/0823 dated August 18, 2023.
• Komite Pemantau Risiko
• Komite Audit
• Komite Nominasi dan Remunerasi
• Risk Monitoring Committee
• Audit Committee
• Nomination and Remuneration
Committee
Direktur Bisnis Retail
Chief Commercial Banking Director of Retail Business
Officer
Komersial Banking Network & Branch
Audit Internal Development
Internal Audit Commercial Banking
Priority & Wealth
Kredit Review Transaction Banking Management
Commercial Banking
Human Capital Micro Banking Consumer Loans
Remedial & Special Asset Credit Governance Marketing Communication
Management
Marketing Strategy
& Sales Management
Keterangan / Remark:
Satuan Kerja
Direksi Komite
Work Unit
Board of Directors Committee Branch Operation
Divisi & Control Unit
Chief
Division
PT Bank Ina Perdana Tbk
70 Laporan Tahunan 2023
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• Komite Kredit
• Komite Kebijakan Kredit
• ALCO
• Komite Pengarah TI
• Komite Manajemen Risiko
• Komite Sumber Daya Manusia
• Komite Produk
RUPS
GMS • Credit Committee
• Credit Policy Committee
• ALCO
• IT Steering Committee
• Risk Management Committee
• HR Committee
• Product Committee
DEWAN KOMISARIS
Board of Commissioners
Direktur Utama
President Director
Wakil Direktur Utama
Vice President Director
Direktur Manajemen Risiko
dan Kepatuhan Direktur Keuangan
Director of Risk Management Director of Finance
and Compliance
Manajemen Risiko Digital Solutions Operation
Risk Management Treasury
& Partnership Development
Kebijakan, Sistem,
& Prosedur General Services and
Policy, System, Digital Technology Digital Operation
Procurement
& Procedure
Akuntansi &
Perencanaan Keuangan Branch & Commercial
Digital Governance Treasury Operation
Accounting & Technology
Financial Planning
Kepatuhan & APU-PPT SIM dan Pelaporan Technology Operation
Compliance & AML-CTF Credit Administration
MIS and Reporting & Control Unit
Kustodian
Corporate Secretary
Custodian
Legal
PT Bank Ina Perdana Tbk
2023 Annual Report 71
Page 74
Profil Perusahaan
Company Profile
Profil Dewan Komisaris
Profile of the Board of Commissioners
Inawaty Handojo
Komisaris Utama Independen / Independent President Commissioner
Warga Negara Indonesia
Indonesian Citizen
Usia 72 tahun
72 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Komisaris Utama Independen PT Bank Ina Perdana Beliau memiliki pengalaman yang luas di bidang perbankan serta menjabat
Tbk dalam RUPS Luar Biasa tanggal 16 Juni 2021 dan telah dinyatakan di berbagai posisi kepemimpinan, antara lain:
sah berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat • PT Bank Central Asia Tbk:
Persetujuan Otoritas Jasa Keuangan atas Penilaian Kemampuan dan - Direktur Kepatuhan (2019-2020);
Kepatutan tertanggal 6 September 2021. Pengangkatan terakhir efektif - Direktur (2016-2019);
sejak RUPS Tahunan 2022 dengan masa jabatan sampai dengan ditutupnya - Anggota Komite Tata Kelola Terintegrasi (2015-2016);
RUPS Tahunan pada tahun 2024. - Anggota Komite Audit (2008-2016);
Appointed as Independent President Commissioner of PT Bank Ina Perdana - Staf dan berbagai posisi manajerial dalam bidang Audit Internal
Tbk in the Extraordinary GMS on June 16, 2021, and has been declared (1980-2008); dan
legally effective as of the date of stipulation in the Financial Services • Kepala Bagian Keuangan PT Naintex (1976-1980).
Authority’s Approval Letter for Fit and Proper Test dated September 6, She has extensive experience in banking and has held various leadership
2021. The last appointment was effective since the Annual GMS 2022 with positions, including:
a term of office until the closing of the Annual GMS in 2024. • PT Bank Central Asia Tbk:
- Compliance Director (2019-2020);
- Director (2016-2019);
Riwayat Pendidikan, Sertifikasi, dan Pelatihan - Member of Integrated Governance Committee (2015-2016);
Educational History, Certification, and Training - Audit Committee Member (2008-2016);
- Staff and various managerial positions in Internal Audit (1980-2008);
Beliau memperoleh gelar Magister Manajemen di Prasetiya Mulya Business and
School, Jakarta (2003) dan gelar Dra. Akuntansi (1979) serta gelar Dra. • Head of Finance Section of PT Naintex (1976-1980).
Manajemen Perusahaan (1976) di Universitas Katolik Parahyangan.
Pelatihan, seminar, dan konferensi pada tahun 2023 dapat dilihat pada
Rangkap Jabatan
halaman 109 pada Laporan Tahunan ini.
Concurrent Position
She earned Master in Management at Prasetiya Mulya Business School,
Jakarta (2003) and his Dra. Accounting (1979) and the title of Dra. Company
Management (1976) at Parahyangan Catholic University. Training, seminars, Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota
and conferences in 2023 can be seen on page 109 in this Annual Report. Direksi, atau Pejabat Eksekutif pada bank, perusahaan, dan/atau
lembaga lain.
Does not hold concurrent positions as a member of the Board of
Hubungan Afiliasi Commissioners, member of the Board of Directors, or Executive Officer at a
Affiliations bank, company, and/or other institution.
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya,
anggota Direksi, serta Pemegang Saham Utama dan Pengendali, baik
langsung maupun tidak langsung sampai kepada pemilik individu.
Has no affiliation with other members of the Board of Commissioners,
members of the Board of Directors, as well as Major and Controlling
Shareholders, either directly or indirectly to individual owners.
PT Bank Ina Perdana Tbk
72 Laporan Tahunan 2023
Page 75
Yohanes Santoso Wibowo
Komisaris Independen / Independent Commissioner
Warga Negara Indonesia
Indonesian Citizen
Usia 64 tahun
64 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Komisaris Independen PT Bank Ina Perdana Tbk oleh RUPS Beliau memiliki pengalaman yang luas di bidang perbankan serta menjabat
Luar Biasa tanggal 16 Juni 2021 dan telah dinyatakan sah berlaku efektif di berbagai posisi kepemimpinan, antara lain:
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa • Vice Chairman Indonesia Banking School (Juli 2019-Juli 2020);
Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 6 September • Komisaris PT Beegroup Financial Indonesia (BukuKas) (Juli 2020-April 2022);
2021. Pengangkatan terakhir efektif sejak RUPS Tahunan 2022 dengan masa • Otoritas Jasa Keuangan sebagai Deputy Commissioner Financial System
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2024. Stability (Desember 2018-Juli 2019), Deputy Commissioner Integrated
Appointed as Independent Commissioner of PT Bank Ina Perdana Tbk by the Regulation and Supervision (2018), Deputy Commissioner Banking
Extraordinary GMS on June 16, 2021 and has been declared legally effective Supervision II (2017-2018), Senior Advisor (2016), dan Head of Regional
as of the date of stipulation in the Financial Services Authority’s Approval III Central Java and DIY Provinces (2013-2016);
Letter for Fit and Proper Test dated September 6, 2021. Last appointment • Bank Indonesia sebagai Executive Director Credit, Rural Banks, and
effective since the 2022 Annual GMS with a term of office until the closing SME Department (2012-2013), Director Credit, Rural Banks, and
of the Annual GMS in 2024. SME Department (2006-2012), Deputy Head Bank Indonesia in Bali
Province (2003-2006), dan Deputy Director Rural Banking Department
(2000-2002);
• Assistant Director Financial Market Analyst Indonesia Debt Restructuring
Riwayat Pendidikan, Sertifikasi, dan Pelatihan
Agency (1999-2000);
Educational History, Certification, and Training
• Bank Indonesia sebagai Assistant Director Financial Market Development
Study (1998-1999), Deputy Head Balance of Payment Department (1995-
Beliau memperoleh gelar Master in Banking and Finance di FINAFRICA 1998), Section Head Economy and Monetary Department (1993-2002),
Milano Italia (1988) dan gelar Sarjana Ekonomi, Akuntan (1983) di Section Head International and Monetary Division (1989-1981), Section
Universitas Gadjah Mada. Pelatihan, seminar, dan konferensi pada tahun Head Human Resources Department (1985-1987), dan Accounting Staff
2023 dapat dilihat pada halaman 109 pada Laporan Tahunan ini. Accounting Division (1984-1985); serta
He earned a Master in Banking and Finance at FINAFRICA Milano Italy • Accounting Staff/Supervisor Huffco Company (1983-1984).
(1988) and Bachelor of Economics, Accountant (1983) at Gadjah Mada He has extensive experience in banking and has held various leadership
University. Training, seminars, and conferences in 2023 can be seen on positions, including:
page 109 in this Annual Report. • Vice Chairman of Indonesia Banking School (July 2019-July 2020);
• Commissioner of PT Beegroup Financial Indonesia (BukuKas) (July 2020-April
2022);
Hubungan Afiliasi • Financial Services Authority as Deputy Commissioner of Financial
Affiliations System Stability (December 2018-July 2019), Deputy Commissioner of
Integrated Regulation and Supervision (2018), Deputy Commissioner of
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, Banking Supervision II (2017-2018), Senior Advisor (2016), and Head of
anggota Direksi, serta Pemegang Saham Utama dan Pengendali, baik Regional III Central Java and DIY Provinces (2013-2016);
langsung maupun tidak langsung sampai kepada pemilik individu. • Bank Indonesia as Executive Director Credit, Rural Banks, and SME
Department (2012-2013), Director Credit, Rural Banks, and SME
Has no affiliation with other members of the Board of Commissioners,
Department (2006-2012), Deputy Head Bank Indonesia in Bali
members of the Board of Directors, as well as Major and Controlling
Province (2003-2006), and Deputy Director Rural Banking Department
Shareholders, either directly or indirectly to individual owners.
(2000-2002);
• Assistant Director Financial Market Analyst of Indonesia Debt
Restructuring Agency (1999-2000);
Rangkap Jabatan
• Bank Indonesia as Assistant Director Financial Market Development
Concurrent Position Study (1998-1999), Deputy Head Balance of Payment Department
(1995-1998), Section Head Economy and Monetary Department
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi, (1993-2002), Section Head International and Monetary Division
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain. (1989- 1981), Section Head Human Resources Department (1985-1987),
Does not hold concurrent positions as a member of the Board of Commissioners, and Accounting Staff Accounting Division (1984-1985); and
member of the Board of Directors, or Executive Officer at a bank, company, • Accounting Staff/Supervisor of Huffco Company (1983-1984).
and/or other institution.
PT Bank Ina Perdana Tbk
2023 Annual Report 73
Page 76
Profil Perusahaan
Company Profile
Josavia Rachman Ichwan
Komisaris / Commissioner
Warga Negara Indonesia
Indonesian Citizen
Usia 61 tahun
61 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Komisaris PT Bank Ina Perdana Tbk oleh RUPS Luar Biasa Pengalaman kerja beliau antara lain:
tanggal 16 Juni 2021 dan telah dinyatakan sah berlaku efektif terhitung • PT Bank Ina Perdana Tbk:
sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas Jasa Keuangan - Direktur Kredit (Mei 2016-Juni 2021);
atas Penilaian Kemampuan dan Kepatutan tertanggal 6 September 2021. - GH Bisnis Development (2014-April 2016);
Pengangkatan terakhir efektif sejak RUPS Tahunan 2022 dengan masa • PT Bank Ganesha Tbk:
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2024. - Pemimpin Cabang Kertajaya, Surabaya (November 2012-Desember
Appointed as Commissioner of PT Bank Ina Perdana Tbk by the Extraordinary 2013),
GMS on June 16, 2021 and has been declared legally effective as of the - Ka. Div Komersial (Juli 2007-Oktober 2012);
date it was stipulated in the Financial Services Authority Approval Letter for - Pemimpin Cabang Kelapa Gading Jakarta (Agustus 2000-Juni 2007);
Fit and Proper Test dated September 6, 2021. The last appointment was • Presiden Direktur PT Multi Valas Utama (Januari 1999-April 2000);
effective since the 2022 Annual GMS with term of office until the closing of • Tim Pemberesan PT Bank Dagang Nasional Indonesia (BDNI) Cabang
the Annual GMS in 2024. Mangga Dua BPPN (September 1998-Desember 1998);
• PT Bank Dagang Nasional Indonesia (BDNI):
- Branch Manager Mangga Dua (Mei 1996-Agustus 1998);
Riwayat Pendidikan, Sertifikasi, dan Pelatihan - Sub Branch Manager P. Jayakarta (Desember 1994-April 1996);
Educational History, Certification, and Training - Branch Marketing Manager Kopi (Oktober 1991-November 1994);
- Account Officer Wahid Hasyim (Maret 1990-September 1991); serta
• Account Officer PT Arta Pusara (1989-1990).
Beliau memperoleh gelar Magister Ekonomi/Manajemen Keuangan di
Universitas Negeri Jakarta (2013) dan gelar Sarjana Teknologi Mineral/ His work experience includes:
Perminyakan di Universitas Trisakti (1988). Pelatihan, seminar, dan • PT Bank Ina Perdana Tbk:
konferensi pada tahun 2023 dapat dilihat pada halaman 109 pada Laporan - Credit Director (May 2016-June 2021);
Tahunan ini. - GH Business Development (2014-April 2016);
• PT Bank Ganesha Tbk:
He earned a Master’s degree in Economics/Financial Management at
- Head of Kertajaya Branch, Surabaya (November 2012-December 2013),
Jakarta State University (2013) and a Bachelor’s degree in Mineral/
- Head of Commercial Division (July 2007-October 2012);
Petroleum Technology at Trisakti University (1988). Training, seminars, and
- Head of Kelapa Gading Jakarta Branch (August 2000-June 2007);
conferences in 2023 can be seen on page 109 in this Annual Report.
• President Director of PT Multi Valas Utama (January 1999-April 2000);
• Settlement Team of PT Bank Dagang Nasional Indonesia (BDNI) Mangga
Dua Branch of IBRA (September 1998-December 1998);
Hubungan Afiliasi • PT Bank Dagang Nasional Indonesia (BDNI):
Affiliations - Branch Manager Mangga Dua (May 1996-August 1998);
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, - Sub Branch Manager P. Jayakarta (December 1994-April 1996);
anggota Direksi, serta Pemegang Saham Utama dan Pengendali, baik - Branch Marketing Manager Coffee (October 1991-November 1994);
langsung maupun tidak langsung sampai kepada pemilik individu. - Account Officer Wahid Hasyim (March 1990-September 1991); as well as
• Account Officer PT Arta Pusara (1989-1990).
Has no affiliation with other members of the Board of Commissioners,
members of the Board of Directors, as well as Major and Controlling
Shareholders, either directly or indirectly to individual owners.
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Does not hold concurrent positions as a member of the Board of Commissioners,
member of the Board of Directors, or Executive Officer at a bank, company,
and/or other institution.
Perubahan Komposisi Anggota Dewan Changes in the Board of Commissioners’
Komisaris Composition
Tidak terdapat perubahan komposisi anggota Dewan Komisaris There were no changes in the Board of Commissioners’
selama tahun 2023 hingga Laporan Tahunan ini diterbitkan. composition in 2023 until this Annual Report is published.
PT Bank Ina Perdana Tbk
74 Laporan Tahunan 2023
Page 77
Profil Direksi
Profile of the Board of Directors
Henry Koenaifi
Direktur Utama / President Director
Warga Negara Indonesia
Indonesian Citizen
Usia 64 tahun
64 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Utama PT Bank Ina Perdana Tbk oleh RUPS Pengalaman kerja beliau:
Luar Biasa tanggal 19 Mei 2023 dan telah dinyatakan sah berlaku efektif • Direktur Retail Banking PT Bank Ina Perdana Tbk (Januari 2023-Mei 2023);
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas • Direktur Perbankan Digital PT Bank Bumi Arta Tbk (2022);
Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 9 • Direktur Utama PT Satria Pakarti Sukses (2021-2022);
Agustus 2023, dengan masa jabatan sampai dengan ditutupnya RUPS • Presiden Komisaris PT BCA Finance (2021-2022);
Tahunan pada tahun 2024. • Direktur Komersial dan SME Banking PT Bank Central Asia Tbk (2016-2021);
Appointed as President Director PT Bank Ina Perdana Tbk by the • Direktur Individual Banking PT Bank Central Asia Tbk (2008-2016);
Extraordinary GMS on Mei 19, 2023 and has been declared legally effective • Presiden Direktur PT BCA Finance (2000-2007);
as of the date of stipulation in the Financial Services Authority Approval • Koordinator Tim Pengelola PT Bank Bali - Badan Penyehatan Perbankan
Letter for Fit and Proper Test dated August 9, 2023, with a term of office Nasional (BPPN) (1999-2000);
until the closing of the Annual GMS in 2024. • Tim Pengelola Bank Jaya - Badan Penyehatan Perbankan Nasional (BPPN)
(1999);
• Executive Director PT Bank Ciputra (1998);
• Direktur Commercial Banking PT Bank Tiara Asia (1997-1998);
Riwayat Pendidikan, Sertifikasi, dan Pelatihan
• Pemimpin PT Bank Central Asia Tbk Kantor Cabang Utama Suryopranoto
Educational History, Certification, and Training (1995-1997);
• Wakil Pemimpin PT Bank Central Asia Tbk Kantor Cabang Utama Tomang
Beliau memperoleh gelar Magister Manajemen dan Master of Business Raya, Jakarta (1993-1994);
Administration di IPMI/Monash University, Australia (2001) serta meraih • Ketua Tim Penyelesaian Kredit KP PT Bank Central Asia Tbk (1991-1993);
gelar Insinyur dari Universitas Katolik Parahyangan (1984). Pelatihan, • Kepala Biro Corporate Credit (1989-1991); dan
seminar, dan konferensi pada tahun 2023 dapat dilihat pada halaman 109 • Account Manager Industry Bank IBM Indonesia (1984-1989).
pada Laporan Tahunan ini.
His work experience:
He obtained a Master of Management degree and Master of Business • Director of Retail Banking of PT Bank Ina Perdana Tbk (January 2023-May
Administration from IPMI/Monash University, Australia (2001) and 2023);
holds an Engineer degree from Parahyangan Catholic University (1984). • Director of Digital Banking of PT Bank Bumi Arta Tbk (2022);
Training, seminars, and conferences in 2023 can be seen on page 109 in • President Director of PT Satria Pakarti Sukses (2021-2022);
this Annual Report. • President Commissioner of PT BCA Finance (2021-2022);
• Commercial Director and SME Banking of PT Bank Central Asia Tbk (2016-
2021);
Hubungan Afiliasi • Director of Individual Banking of PT Bank Central Asia Tbk (2008-2016);
Affiliations • President Director of PT BCA Finance (2000-2007);
• Coordinator of PT Bank Bali Management Team - National Bank
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota Restructuring Agency (IBRA) (1999-2000);
Dewan Komisaris, serta Pemegang Saham Utama dan Pengendali, baik • Bank Jaya Management Team - National Bank Restructuring Agency
langsung maupun tidak langsung sampai kepada pemilik individu. (IBRA) (1999);
• Executive Director of PT Bank Ciputra (1998);
Has no affiliation with other members of the Board of Directors, members • Director of Commercial Banking of PT Bank Tiara Asia (1997-1998);
of the Board of Commissioners, and Major and Controlling Shareholders, • Head of PT Bank Central Asia Tbk, Main Branch Office Suryopranoto
either directly or indirectly to individual owners. (1995-1997);
• Deputy Head of PT Bank Central Asia Tbk, Tomang Raya Main Branch
Office, Jakarta (1993-1994);
Rangkap Jabatan • Head of KP Credit Settlement Team of PT Bank Central Asia Tbk (1991-
Concurrent Position 1993);
• Bureau Chief Corporate Credit (1989-1991); and
• Account Manager Industry Bank of IBM Indonesia (1984-1989).
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota Direksi,
atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga lain.
Does not hold concurrent positions as a member of the Board of Commissioners,
member of the Board of Directors, or Executive Officer at a bank, company,
and/or other institution.
PT Bank Ina Perdana Tbk
2023 Annual Report 75
Page 78
Profil Perusahaan
Company Profile
Yulius Purnama Junaedi
Wakil Direktur Utama / Vice President Director
Warga Negara Indonesia
Indonesian Citizen
Usia 52 tahun
52 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Wakil Direktur Utama PT Bank Ina Perdana Tbk oleh Pengalaman kerja beliau:
RUPS Luar Biasa tanggal 19 Mei 2023 dan telah dinyatakan sah berlaku • Direktur Digital Banking PT Bank Ina Perdana Tbk (2021-Mei 2023);
efektif terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan • Direktur PT Transaksi Artha Gemilang (OttoCash) (2018-2021);
Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan • Komisaris Independen PT Central Asia Financial (Asuransi Jagadiri)
tertanggal 7 Agustus 2023, dengan masa jabatan sampai dengan (2015-2018);
ditutupnya RUPS Tahunan pada tahun 2024. • Direktur PT WYR Solusi Inovasi (WYR Consulting) (2012-2017);
Appointed as Vice President Director PT Bank Ina Perdana Tbk by the • Senior Partner PT iLead Indonesia (iLead Consulting) (2006-2012);
Extraordinary GMS on Mei 19, 2023 and has been declared legally effective • Assistant Vice President Electronic Banking Citibank NA, Indonesia
as of the date of stipulation in the Financial Services Authority Approval (2003-2006);
Letter for Fit and Proper Test dated August 7, 2023, with a term of office • Project Manager PT Sigma Cipta Caraka (2001-2003);
until the closing of the Annual GMS in 2024. • Senior Consultant PricewaterhouseCoopers Indonesia (1997-2000); dan
• Corporate Banking Marketing PT Bank Haga (1994-1996).
His work experience:
Riwayat Pendidikan, Sertifikasi, dan Pelatihan • Director of Digital Banking of PT Bank Ina Perdana Tbk (2021-May 2023);
Educational History, Certification, and Training • Director of PT Transaction Artha Gemilang (OttoCash) (2018-2021);
• Independent Commissioner of PT Central Asia Financial (Jagadiri
Beliau meraih gelar Master of Business Administration, Major in Finance Insurance) (2015-2018);
and Information Technology dari Melbourne Business School (1997) serta • Director of PT WYR Solusi Inovasi (WYR Consulting) (2012-2017);
Sarjana Ekonomi Akuntansi dari Universitas Indonesia (1993). Pelatihan, • Senior Partner PT iLead Indonesia (iLead Consulting) (2006-2012);
seminar, dan konferensi pada tahun 2023 dapat dilihat pada halaman 109 • Assistant Vice President Electronic Banking Citibank NA, Indonesia
pada Laporan Tahunan ini. (2003-2006);
He has a Master of Business Administration, Major in Finance and • Project Manager PT Sigma Cipta Caraka (2001-2003);
Information Technology from Melbourne Business School (1997) and • Senior Consultant PricewaterhouseCoopers Indonesia (1997-2000); and
Bachelor of Economics in Accounting from the University of Indonesia • Corporate Banking Marketing PT Bank Haga (1994-1996).
(1993). Training, seminars, and conferences in 2023 can be seen on page
109 in this Annual Report.
Rangkap Jabatan
Concurrent Position
Hubungan Afiliasi
Affiliations Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota
Direksi, atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota lain.
Dewan Komisaris, serta Pemegang Saham Utama dan Pengendali, baik Does not hold concurrent positions as a member of the Board of
langsung maupun tidak langsung sampai kepada pemilik individu. Commissioners, member of the Board of Directors, or Executive Officer at a
Has no affiliation with other members of the Board of Directors, members bank, company, and/or other institution.
of the Board of Commissioners, and Major and Controlling Shareholders,
either directly or indirectly to individual owners.
PT Bank Ina Perdana Tbk
76 Laporan Tahunan 2023
Page 79
Kiung Hui Ngo
Direktur Keuangan / Director of Finance
Warga Negara Indonesia
Indonesian Citizen
Usia 48 tahun
48 years old
Berdomisili di Tangerang
Domiciled in Tangerang
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Keuangan PT Bank Ina Perdana Tbk berdasarkan Beliau juga pernah menjabat berbagai posisi penting, di antaranya:
Akta Pernyataan Sirkular Pemegang Saham No. 105 tanggal 27 November • Accounting and Financial Planning Group Head (Pejabat Eksekutif)
2013 dan telah dinyatakan sah berlaku efektif terhitung sejak tanggal PT Bank Ina Perdana Tbk (2011-2013);
ditetapkannya dalam Surat Gubernur Bank Indonesia tanggal 18 November • System Information and Accounting Group Head PT Bank Ina Perdana Tbk
2013. Pengangkatan terakhir efektif sejak RUPS Tahunan 2022 dengan (2009);
masa jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2024. • Head of Accounting PT Bank ICB Bumiputera Tbk (2009); dan
Appointed as Director of Finance of PT Bank Ina Perdana Tbk based on • Kepala Bagian Akuntansi dan MIS PT Bank BRI Syariah (d/h Bank Jasa
Shareholder Circular Statement Deed No. 105 dated November 27, 2013 Arta) (2000-2009).
and has been declared legally effective as of the date of stipulation in the She has also held various important positions, including:
Governor of Bank Indonesia Letter dated November 18, 2013. The last • Accounting and Financial Planning Group Head (Executive Officer) at
appointment was effective since the 2022 Annual GMS with a term of PT Bank Ina Perdana Tbk (2011-2013);
office until the closing of the 2024 Annual GMS. • System Information and Accounting Group Head at PT Bank Ina
Perdana Tbk (2009);
• Head of Accounting at PT Bank ICB Bumiputera Tbk (2009); and
Riwayat Pendidikan, Sertifikasi, dan Pelatihan • Head of Accounting and MIS Section at PT Bank BRI Syariah
Educational History, Certification, and Training (formerly Bank Jasa Arta) (2000-2009).
Beliau memperoleh gelar Magister Manajemen di Universitas Tarumanagara
(2003). Pelatihan, seminar, dan konferensi pada tahun 2023 dapat dilihat Rangkap Jabatan
pada halaman 109 pada Laporan Tahunan ini. Concurrent Position
She earned his Master’s Management degree at Tarumanagara University
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota
(2023). Training, seminars, and conferences in 2023 can be seen on
Direksi, atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga
page 109 in this Annual Report.
lain.
Does not hold concurrent positions as a member of the Board of
Hubungan Afiliasi Commissioners, member of the Board of Directors, or Executive Officer at a
Affiliations bank, company, and/or other institution.
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota
Dewan Komisaris, serta Pemegang Saham Utama dan Pengendali, baik
langsung maupun tidak langsung sampai kepada pemilik individu.
Has no affiliation with other members of the Board of Directors, members
of the Board of Commissioners, and Major and Controlling Shareholders,
either directly or indirectly to individual owners.
PT Bank Ina Perdana Tbk
2023 Annual Report 77
Page 80
Profil Perusahaan
Company Profile
Adhiputra Tanoyo
Direktur Manajemen Risiko dan Kepatuhan / Director of Risk Management and Compliance
Warga Negara Indonesia
Indonesian Citizen
Usia 51 tahun
51 years old
Berdomisili di Tangerang
Domiciled in Tangerang
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Manajemen Risiko dan Kepatuhan Pengalaman kerja beliau:
PT Bank Ina Perdana Tbk oleh RUPS Luar Biasa tanggal 3 September • Director of Risk Management PT QNB Indonesia Tbk (2017-2021);
2021 dan telah dinyatakan sah berlaku efektif terhitung sejak tanggal • Director of Risk Management PT Bank Commonwealth (2013-2017);
ditetapkannya dalam Surat Persetujuan Otoritas Jasa Keuangan atas • Executive Director, Head of Risk Management PT Bank UOB Indonesia
Penilaian Kemampuan dan Kepatutan tertanggal 14 September 2021. (2009-2013);
Pengangkatan terakhir efektif sejak RUPS Tahunan 2022 dengan masa • Senior Vice President, Head of Risk Management PT Bank Mega Tbk
jabatan sampai dengan ditutupnya RUPS Tahunan pada tahun 2024. (2004-2009);
Appointed as Director of Risk Management and Compliance of • Vice President, Head of Risk and Policy Administration Unit PT Bank
PT Bank Ina Perdana Tbk by the Extraordinary GMS on September 3, 2021 Commonwealth (2004);
and has been declared legally effective as of the date of stipulation in the • Manager Business Risk Consulting Ernst & Young, Jakarta (2002-2004);
Financial Services Authority Approval Letter for Fit and Proper Test dated • Associate Manager, Financial Risk Consulting Arthur Andersen
September 14, 2021. Last appointment effective since 2022 Annual GMS (2000-Juni 2022);
with a term of office until the closing of the 2024 Annual GMS. • Management Development Program Personal Banking, Credit &
Collection The Hongkong and Shanghai Banking Corporation (HSBC),
Jakarta (2000); serta
Riwayat Pendidikan, Sertifikasi, dan Pelatihan • Credit Analyst Trainee & Risk Management, Syndication Department -
Educational History, Certification, and Training Amsterdam Indover Bank (1996-1998).
His work experience:
Beliau memperoleh gelar Master of Science Financial Economics dari Erasmus • Director of Risk Management at PT QNB Indonesia Tbk (2017-2021);
Universiteit Rotterdam (1998). Pelatihan, seminar, dan konferensi pada tahun • Director of Risk Management at PT Bank Commonwealth (2013-2017);
2023 dapat dilihat pada halaman 109 pada Laporan Tahunan ini. • Executive Director, Head of Risk Management at PT Bank UOB Indonesia
He earned a Master of Science Financial Economics from Erasmus (2009-2013);
Universiteit Rotterdam (1998). Training, seminars, and conferences in 2023 • Senior Vice President, Head of Risk Management at PT Bank Mega Tbk
can be seen on page 109 in this Annual Report. (2004-2009);
• Vice President, Head of Risk and Policy Administration Unit at PT Bank
Commonwealth (2004);
Hubungan Afiliasi • Manager Business Risk Consulting at Ernst & Young, Jakarta (2002-2004);
Affiliations • Associate Manager, Financial Risk Consulting at Arthur Andersen (2000-
June 2022);
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota • Management Development Program Personal Banking, Credit &
Dewan Komisaris, serta Pemegang Saham Utama dan Pengendali, baik Collection at The Hongkong and Shanghai Banking Corporation (HSBC),
langsung maupun tidak langsung sampai kepada pemilik individu. Jakarta (2000); as well as
• Credit Analyst Trainee & Risk Management, Syndication Department –
Has no affiliation with other members of the Board of Directors, members
Amsterdam Indover Bank (1996-1998).
of the Board of Commissioners, and Major and Controlling Shareholders,
either directly or indirectly to individual owners.
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota
Direksi, atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga
lain.
Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
PT Bank Ina Perdana Tbk
78 Laporan Tahunan 2023
Page 81
Yandy Ramadhani
Direktur Bisnis Retail / Director of Retail Bussiness
Warga Negara Indonesia
Indonesian Citizen
Usia 56 tahun
56 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Direktur Bisnis Retail PT Bank Ina Perdana Tbk oleh RUPS Pengalaman kerja beliau:
Tahunan tanggal 16 Juni 2023 dan telah dinyatakan sah berlaku efektif • Direktur Utama PT Dana Purna Investama (2022-2023;
terhitung sejak tanggal ditetapkannya dalam Surat Persetujuan Otoritas • PT Bank Central Asia Tbk:
Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan tertanggal 21 - Kepala Kantor Wilayah 12 se-Jakarta Barat dan Banten (2020-2021);
Agustus 2023, dengan masa jabatan sampai dengan ditutupnya RUPS - Kepala Kantor Wilayah 2 se-Jawa Tengah dan Yogyakarta (2018-2020);
Tahunan pada tahun 2024. - Kepala Kantor Wilayah 11 se-Kalimantan (2016-2018);
Appointed as Director of Retail Business of PT Bank Ina Perdana Tbk by the - Pemimpin BCA KCU Asemka Jakarta (Kelas A) (2013);
Annual GMS on June 16, 2023 and has been declared legally effective as of - Pemimpin BCA KCU Darmo Surabaya (Kelas A) (2009)
the date of stipulation in the Financial Services Authority Approval Letter for - Pemimpin BCA KCU Tangerang (kelas B) (2007);
Fit and Proper Test dated August 21, 2023, with a term of office until the - Pemimpin BCA KCU Makassar (kelas B) (2003);
closing of the Annual GMS in 2024. - Pemimpin BCA KCU Bekasi (Kelas C) (2021);
- Wakil Pimpinan Pemasaran dan Kredit BCA KCU Jatinegara (1999);
- Wakil Pimpinan Operasional dan Sistem, KCU BCA Jatinegara, Jakarta
Riwayat Pendidikan, Sertifikasi, dan Pelatihan (1996);
Educational History, Certification, and Training - Wakil Pimpinan Operasional dan Sistem, KCU Matraman, Jakarta (1994);
- Kepala Urusan Sistem Informasi BCA Wilayah 9 Matraman (1994);
Beliau memperoleh gelar Magister Manajemen dari Sekolah Tinggi - Kepala Bidang Sistem Informasi BCA Matraman, Jakarta (1992);
Manajemen PPM (1995) serta Sarjana Ilmu Komputer dari Sekolah Tinggi - Kepala Bagian EDP BCA Jatinegara, Jakarta (1989); dan
Manajemen dan Informatika (1990). Pelatihan, seminar, dan konferensi - Staf EDP BCA Jatinegara, Jakarta (1987).
pada tahun 2023 dapat dilihat pada halaman 109 pada Laporan Tahunan His work experience:
ini. • President Director of PT Dana Purna Investama (2022-2023;
He earned his Master of Management from PPM College of Management • PT Bank Central Asia Tbk:
(1995) and Bachelor of Computer Science from College of Management - Head of Regional Office 12 for West Jakarta and Banten (2020-2021);
and Informatics (1990). Trainings, seminars, and conferences in 2023 can - Head of Regional Office 2 for Central Java and Yogyakarta (2018-2020);
be seen on page 109 in this Annual Report. - Head of Regional Office 11 for Kalimantan (2016-2018);
- Head of BCA Main Branch Office (KCU) Asemka Jakarta (Class A) (2013);
- Head of BCA Main Branch Office (KCU) Darmo Surabaya (Class A) (2009)
Hubungan Afiliasi - Head of BCA Main Branch Office (KCU) Tangerang (Class B) (2007);
Affiliations - Head of BCA Main Branch Office (KCU) Makassar (Class B) (2003);
- Head of BCA Main Branch Office (KCU) Bekasi (Class C) (2021);
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota - Deputy Head of Marketing and Credit, BCA Main Branch Office (KCU)
Dewan Komisaris, serta Pemegang Saham Utama dan Pengendali, baik Jatinegara (1999);
langsung maupun tidak langsung sampai kepada pemilik individu. - Deputy Head of Operations and System, BCA Main Branch Office (KCU)
Jatinegara, Jakarta (1996);
Has no affiliation with other members of the Board of Directors, members
- Deputy Head of Operations and System, Main Branch Office (KCU)
of the Board of Commissioners, and Major and Controlling Shareholders,
Matraman, Jakarta (1994);
either directly or indirectly to individual owners.
- Head of Information System, BCA Region 9 Matraman (1994);
- Head of Information System Division, BCA Matraman, Jakarta (1992);
- Head of EDP Section, BCA Jatinegara, Jakarta (1989); and
- EDP Staff of BCA Jatinegara, Jakarta (1987).
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota
Direksi, atau Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga
lain.
Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
PT Bank Ina Perdana Tbk
2023 Annual Report 79
Page 82
Profil Perusahaan
Company Profile
Perubahan Komposisi Anggota Direksi Changes in the Board of Directors’
Composition
Pada tahun 2023, terdapat perubahan komposisi anggota Direksi In 2023, there was a change in the Board of Directors’ composition
pada tanggal 9 Januari 2023 sebagai berikut. on January 9, 2023, as follows.
Susunan Direksi berdasarkan Susunan Direksi berdasarkan
RUPS Tahunan tanggal 3 Juni 2022 RUPS Luar Biasa tanggal 9 Januari 2023
Alasan Perubahan
Board of Directors’ Composition based on the Board of Directors’ Composition based on
Reason for
Annual GMS dated June 3 2022 Extraordinary GMS dated January 9, 2023
Change
Nama Jabatan Nama Jabatan
Name Position Name Position
Daniel Direktur Utama Daniel Direktur Utama Pengunduran diri
Budirahayu President Director Budirahayu President Director Bapak Budijanto
Direktur Keuangan Direktur Keuangan Soedarpo.
Kiung Hui Ngo Kiung Hui Ngo
Director of Finance Director of Finance The resignation of
Direktur Manajemen Risiko dan Kepatuhan Direktur Manajemen Risiko dan Kepatuhan Mr. Budijanto
Adhiputra Adhiputra
Director of Risk Management and Compliance Director of Risk Management and Compliance Soedarpo
Tanoyo Tanoyo
Yulius Purnama Direktur Digital Banking Yulius Purnama Direktur Digital Banking
Junaedi Director of Digital Banking Junaedi Director of Digital Banking
Budijanto Direktur Retail Banking Direktur Retail Banking
Henry Koenaifi
Soedarpo Director of Retail Banking Director of Retail Banking
Komposisi anggota Direksi Perseroan kembali mengalami The composition of the Company’s Board of Directors went
perubahan pada tanggal 19 Mei 2023 sebagai berikut. another change on May 19, 2023, as follows.
Susunan Direksi berdasarkan Susunan Direksi berdasarkan
RUPS Luar Biasa tanggal 9 Januari 2023 RUPS Luar Biasa tanggal 19 Mei 2023
Alasan Perubahan
Board of Directors’ Composition based on Board of Directors’ Composition based on
Reason for
Extraordinary GMS dated January 9, 2023 Extraordinary GMS dated May 19. 2023
Change
Nama Jabatan Nama Jabatan
Name Position Name Position
Daniel Direktur Utama Direktur Utama Wafatnya Bapak
Henry Koenaifi
Budirahayu President Director President Director Daniel Budirahayu
Direktur Keuangan Yulius Purnama Wakil Direktur Utama pada tanggal
Kiung Hui Ngo 22 Maret 2023.
Director of Finance Junaedi Vice President Director
Adhiputra Direktur Manajemen Risiko dan Kepatuhan Direktur Keuangan The death of Mr.
Kiung Hui Ngo Daniel Budirahayu on
Tanoyo Director of Risk Management and Compliance Director of Finance
March 22, 2023.
Yulius Purnama Direktur Digital Banking Adhiputra Direktur Manajemen Risiko dan Kepatuhan
Junaedi Director of Digital Banking Tanoyo Director of Risk Management and Compliance
Direktur Retail Banking
Henry Koenaifi
Director of Retail Banking
PT Bank Ina Perdana Tbk
80 Laporan Tahunan 2023
Page 83
Komposisi anggota Direksi Perseroan kembali mengalami The composition of the Company’s Board of Directors went even
perubahan pada tanggal 16 Juni 2023 sebagai berikut. another change on June 16, 2023 as follows.
Susunan Direksi berdasarkan Susunan Direksi berdasarkan
RUPS Luar Biasa tanggal 19 Mei 2023 RUPS Luar Biasa tanggal 16 Juni 2023
Board of Directors’ Composition based on Board of Directors’ Composition based on Alasan Perubahan
Extraordinary GMS dated May 19, 2023 Extraordinary GMS dated June 16, 2023 Reason for
Change
Nama Jabatan Nama Jabatan
Name Position Name Position
Direktur Utama Direktur Utama Memperkuat Struktur
Henry Koenaifi Henry Koenaifi
President Director President Director Organisasi Bank Ina.
Yulius Purnama Wakil Direktur Utama Yulius Purnama Wakil Direktur Utama Strengthening Bank
Junaedi Vice President Director Junaedi Vice President Director Ina’s Organizational
Structure.
Direktur Keuangan Direktur Keuangan
Kiung Hui Ngo Kiung Hui Ngo
Director of Finance Director of Finance
Adhiputra Direktur Manajemen Risiko dan Kepatuhan Adhiputra Direktur Manajemen Risiko dan Kepatuhan
Tanoyo Director of Risk Management and Compliance Tanoyo Director of Risk Management and Compliance
Yandy Direktur Bisnis Retail
Ramadhani Director of Retail Bussiness
Pada tanggal 15 Maret 2024, komposisi anggota Direksi Bank Ina On March 15, 2024, the composition of Bank Ina’s Board of
mengalami perubahan berdasarkan RUPS Luar Biasa 15 Maret 2024. Directors changed based on the Extraordinary GMS dated
Dengan demikian, komposisi anggota Direksi Bank pada saat March 15, 2024. Thus, the composition of the Bank’s Board of
Laporan Tahunan dan Keberlanjutan ini diterbitkan, yakni: Directors at the time of this Annual and Sustainability Report is
published is as follows:
Direktur Utama : Henry Koenaifi President Director : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi Vice President Director : Yulius Purnama Junaedi
Direktur : Kiung Hui Ngo Director : Kiung Hui Ngo
Direktur Manajemen Risiko Director Risk Management
dan Kepatuhan : Adhiputra Tanoyo and Compliance : Adhiputra Tanoyo
Direktur : Yandy Ramadhani Director : Yandy Ramadhani
Direktur : Dewi Kurniawati Prodjohartono*) Director : Dewi Kurniawati Prodjohartono*)
*) Pengangkatan sebagai Direktur Komersial Banking berlaku efektif sejak memperoleh *) Appointment as Commercial Banking Director is effective upon obtaining approval
persetujuan dari Otoritas Jasa Keuangan atas penilaian dan kepatutan (fit and proper from the Financial Services Authority for the fit and proper test and compliance with
test) dan memenuhi peraturan perundang-undangan yang berlaku. the prevailing laws and regulations.
PT Bank Ina Perdana Tbk
2023 Annual Report 81
Page 84
Profil Perusahaan
Company Profile
Profil Chief Commercial Banking Officer
Profile of Chief Commercial Banking Officer
Dewi Kurniawati Prodjohartono*)
Chief Commercial Banking Officer
Warga Negara Indonesia
Indonesian Citizen
Usia 55 tahun
55 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Periode dan Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Period and Basis of Appointment Previous Work History
Diangkat sebagai Chief Commercial Banking Officer PT Bank Ina Perdana Tbk Pengalaman kerja beliau:
sejak tanggal 5 Maret 2024. Beliau diangkat juga sebagai Direktur • PT Bank Permata Tbk dengan jabatan terakhir sebagai Executive Vice
Komersial Banking PT Bank Ina Perdana Tbk oleh RUPS Luar Biasa tanggal President Commercial Banking Division Head (2018-2023);
15 Maret 2024, dengan masa jabatan sampai dengan ditutupnya RUPS • PT Maybank Indonesia dengan jabatan terakhir sebagai Senior Vice
Tahunan pada tahun 2024. President Financial Supply Chain Management Head (2010-2018);
Appointed as Chief Commercial Banking Officer of PT Bank Ina Perdana • Senior Vice President of Emerging Business Head PT Bank OCBC NISP Tbk
Tbk dated 5 March 2024. She is also Appointed as Commercial Banking (2008-2010);
Director of PT Bank Ina Perdana Tbk based on the Extraordinary GMS dated • Vice President of Enterprise Banking Head PT Bank Lippo (2006-2008);
March 15, 2024, with a term of office until the closing of the • PT Bank Internasional Indonesia dengan jabatan terakhir sebagai SME &
2024 Annual GMS. Commercial Banking Center Head (1994-2006); dan
• Account Officer Bank Universal (1992-1994).
Work experience:
Riwayat Pendidikan, Sertifikasi, dan Pelatihan
• PT Bank Permata Tbk with the last position as Executive Vice President
Educational History, Certification, and Training
Commercial Banking Division Head (2018-2023);
• PT Maybank Indonesia with the last position as Senior Vice President
Beliau memperoleh gelar serta Sarjana Ekonomi dari Universitas Tarumanagara
Financial Supply Chain Management Head (2010-2018);
(1991).
• Senior Vice President of Emerging Business Head of PT Bank OCBC NISP
Obtained degree and Bachelor of Economics from Tarumanagara University Tbk (2008-2010);
(1991). • Vice President of Enterprise Banking Head of PT Bank Lippo (2006-2008);
• PT Bank Internasional Indonesia with the last position as SME &
Commercial Banking Centre Head (1994-2006); and
• Account Officer of Bank Universal (1992-1994).
Hubungan Afiliasi
Affiliations
Tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota Rangkap Jabatan
Dewan Komisaris, serta Pemegang Saham Utama dan Pengendali, baik Concurrent Position
langsung maupun tidak langsung sampai kepada pemilik individu.
Tidak merangkap jabatan sebagai anggota Dewan Komisaris, anggota
Has no affiliation with other members of the Board of Directors, members
Direksi, atau Pejabat Eksekutif pada bank, perusahaan, dan/atau
of the Board of Commissioners, and Major and Controlling Shareholders,
lembaga lain.
either directly or indirectly to individual owners.
Does not hold concurrent positions as a member of the Board of
Commissioners, member of the Board of Directors, or Executive Officer at a
bank, company, and/or other institution.
*) Pengangkatan sebagai Direktur Komersial Banking berlaku efektif sejak memperoleh persetujuan dari Otoritas Jasa Keuangan atas penilaian dan kepatutan (fit and proper test) dan
memenuhi peraturan perundang-undangan yang berlaku.
Appointment as Commercial Banking Director is effective upon obtaining approval from the Financial Services Authority for the fit and proper test and compliance with the prevailing
laws and regulations.
PT Bank Ina Perdana Tbk
82 Laporan Tahunan 2023
Page 85
Luianto Sudarmana**)
Chief Commercial Banking Officer
Warga Negara Indonesia
Indonesian Citizen
Usia 64 tahun
64 years old
Berdomisili di Jakarta
Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/018/0521. • Chief of Technology and Operation Officer PT Bank Ina Perdana Tbk
Board of Directors’ Decision No. SK/DIR/018/0521. (2018-2021);
• Direktur Risk PT China Construction Bank Indonesia Tbk (2017);
• Direktur Utama PT Bank Windu Kentjana International Tbk (2013-2016);
Riwayat Pendidikan dan
Educational History • Direktur Treasury and International Banking PT Bank Mega Tbk
(2004-2006).
Master of Engaineering Science, University of New South Wales, Sydney, • Chief of Technology and Operation Officer of PT Bank Ina Perdana Tbk
Australia. (2018-2021);
Master of Engineering Science, University of New South Wales, Sydney, • Director of Risk of PT China Construction Bank Indonesia Tbk (2017);
Australia. • President Director of PT Bank Windu Kentjana International Tbk
(2013-2016); and
• Director of Treasury and International Banking of PT Bank Mega Tbk
Hubungan Afiliasi (2004-2006).
Affiliations
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris,
anggota Direksi, serta Pemegang Saham Utama dan Pengendali, baik
langsung maupun tidak langsung sampai kepada pemilik individu.
Has no affiliation with members of the Board of Commissioners, members
of the Board of Directors, as well as Major and Controlling Shareholders,
either directly or indirectly to individual owners.
**) Efektif menjabat hingga 5 Maret 2024.
Effective in position until March 5, 2024.
PT Bank Ina Perdana Tbk
2023 Annual Report 83
Page 86
Profil Perusahaan
Company Profile
Profil Pejabat Eksekutif
Profiles of Executive Officers
Dari kiri ke kanan / From left to right :
1. Tjung Jun 6. Laksmiwati Harjoko 11. Limmi Heriyanto
Kepala Divisi Consumer Loans Kepala Divisi Branch Operation & Kepala Satuan Kerja Marketing
Head of Consumer Loans Control Unit Strategy & Sales Management
Head of Branch Operation & Head of Marketing Strategy &
2. Henry Aza Widjaja Yapputra Control Unit Division Sales Management Work Unit
Kepala Divisi Digital Technology
Head of Digital Technology Division 7. Febe Budianto 12. Herman Labuan
Kepala Divisi Digital Solutions Kepala Divisi Technology Operation
3. Yenny Halim & Partnership & Control Unit dan Pelaksana Tugas
Kepala Divisi Digital Banking Head of Digital Solutions & Kepala Divisi Branch & Commercial
Operation Partnership Division Technology
Head of Digital Banking Operation Head of Technology Operation &
Division 8. Iwan Control Unit and Acting Head of
Kepala Divisi Priority & Wealth Branch & Commercial Technology
4. Lirani Setyowati Management Division
Kepala Divisi Marketing Head of Priority & Wealth
Communication Management Division 13. Henky Priyatna Arief Rivai
Head of Marketing Kepala Divisi Komersial Banking
Communication Division 9. Erica Nova Head of Commercial Banking Division
Kepala Divisi Operation Development
5. Untung Kurniawan Head of Operation Development 14. Usep Hanafiah Dahlan
Kepala Divisi Network & Division Kepala Divisi Audit Internal
Branch Development Head of Internal Audit Division
Head of Network & Branch 10. Mieliawati Kamto
Development Division Kepala Divisi Credit Administration 15. Liza L Widyasari
Head of Credit Administration Division Kepala Divisi Human Capital
Head of Human Capital Division
PT Bank Ina Perdana Tbk
84 Laporan Tahunan 2023
Page 87
16. Wagimin 21. Rony Hermawan 25. Tutok Walter S Saragih
Kepala Divisi Transaction Banking Kepala Divisi General Services Kepala Departemen Kepatuhan
Head of Transaction Banking Division & Procurement & APU-PPT
Head of General Services Head of Compliance & AML-CTF
17. IR. Yudhiprama Elpantja & Procurement Division Department
Kepala Divisi Kredit Review
Head of Credit Review Division 22. Ernawati Soegito 26. Moh. Haris Zaenal Abidin
Kepala Divisi Manajemen Risiko Kepala Satuan Kerja Akuntansi &
18. Ali Santa Head of Risk Management Division Perencanaan Keuangan
Pejabat Sementara Kepala Divisi Credit Head of Accounting & Financial
Governance 23. Fenty Tiodor Simanjuntak Planning Work Unit
Acting Head of Credit Governance Kepala Divisi Digital Governance
Division Head of Digital Governance Division 27. Farry Permana
Kepala Kepala Satuan Kerja SIM &
19. John Eric Pontoh 24. Albertina Dwita Harliani Pelaporan
Kepala Divisi Legal Kepala Divisi Treasury & Financial Head of SIM & Reporting Work Unit
Head of Legal Division Institutions
Head of Treasury & Financial 28. Feliks Suranta Tarigan
20. Karmex Siadari Institutions Division Sekretaris Perusahaan
Kepala Divisi Kebijakan, Sistem, dan Corporate Secretary
Prosedur
Head of Policy, System, and Procedure
Division
PT Bank Ina Perdana Tbk
2023 Annual Report 85
Page 88
Profil Perusahaan
Company Profile
Usep Hanafiah Dahlan
Kepala Divisi Audit Internal / Head of Internal Audit Division
Warga Negara Indonesia Usia 63 tahun Berdomisili di Jakarta
Indonesian Citizen 63 years old Domiciled in Jakarta
• Komisaris Utama (Independen) PT Bank Antar Daerah (Juni 2016-
Dasar Pengangkatan Desember 2016);
Basis of Appointment • Kepala Satuan Kerja Audit Internal PT Bank Windu Kentjana (2013-2016);
• Lending, Funding, & Operation Audit Manager East Regional
Surat Keputusan Direksi No. SK/DIR/022/0822. PT Bank Pundi Indonesia Tbk (2011-2013);
Board of Directors Decision No. SK/DIR/022/0822. • Credit Risk Review Audit & Investigasi PT Bank OCBC NISP Tbk (2006-2011);
• Relation Business Manager PT Bank Danamon Syariah; dan
• Kepala Internal Audit Regional Jakarta dan Lampung (1990-2005).
Riwayat Pendidikan
Educational History • Head of Micro Banking Division of PT Bank Ina Perdana Tbk (2020-2022);
• Head of General Division PT Bank Ina Perdana Tbk (2019-2020);
• Head of Internal Audit Unit of PT Bank China Construction Bank
Sarjana Ekonomi, Jurusan Manajemen, Universitas Widyagama, Malang
Indonesia Tbk (January 2017-December 2017);
(1990).
• President Commissioner (Independent) of PT Bank Antar Daerah (June
Bachelor of Economics, Faculty of Management, Widyagama University,
2016-December 2016);
Malang (1990).
• Head of Internal Audit Unit of PT Bank Windu Kentjana (2013-2016);
• Lending, Funding, & Operation Audit Manager East Regional of
Riwayat Jabatan Sebelumnya PT Bank Pundi Indonesia Tbk (2011-2013);
Previous Work History • Credit Risk Review Audit & Investigation of PT Bank OCBC NISP Tbk
(2006-2011);
• Relation Business Manager of PT Bank Danamon Syariah; and
• Kepala Divisi Micro Banking PT Bank Ina Perdana Tbk (2020-2022);
• Head of Internal Audit Regional Jakarta and Lampung (1990-2005).
• Kepala Divisi Umum PT Bank Ina Perdana Tbk (2019-2020);
• Kepala Satuan Kerja Audit Internal PT Bank China Construction
Bank Indonesia Tbk (Januari 2017-Desember 2017);
Tutok Walter S Saragih
Kepala Departemen Kepatuhan & APU-PPT / Head of Compliance & AML-CTF Department
Warga Negara Indonesia Usia 54 tahun Berdomisili di Jakarta
Indonesian Citizen 54 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/023/0811. Kepala Sistem dan Prosedur PT Bank Ina Perdana Tbk (2009-2011).
Board of Directors Decision No. SK/DIR/023/0811. Head of Systems and Procedures of PT Bank Ina Perdana Tbk (2009-2011).
Riwayat Pendidikan
Educational History
Sarjana Ekonomi, Jurusan Manajemen, Universitas Sumatera Utara (1994).
Bachelor of Economics, Faculty of Management,University of North
Sumatra (1994).
PT Bank Ina Perdana Tbk
86 Laporan Tahunan 2023
Page 89
Feliks Suranta Tarigan
Kepala Divisi Sekretaris Perusahaan / Head of Corporate Secretary Division
Warga Negara Indonesia Usia 36 tahun Berdomisili di Jakarta
Indonesian Citizen 36 years old Domiciled in Jakarta
Dasar Pengangkatan • Senior Legal Counsel Financial Services & Litigation PT Visionet
Basis of Appointment Internasional (OVO): e-Money, PT Indonusa Bara Sejahtera (TARALITE):
P2P Lending, dan PT Sutra Kasih Rupawa (KOLEKO): Lending Collection
Surat Keputusan Direksi No. SK/DIR/006/0123. (Mei 2019-Desember 2021);
Board of Directors Decision No. SK/DIR/006/0123. • Legal Manager PT Hutchison 3 Indonesia (November 2017-April 2019);
• Staf Direktorat Litigasi dan Bantuan Hukum Otoritas Jasa Keuangan
(Maret 2015-Agustus 2016); dan
Riwayat Pendidikan
• Senior Associate Lawyer AYMP Law Firm (Juni 2015-Maret 2015).
Educational History
• GM Compliance & Risk Management of PT Bank Bumi Arta Tbk
• Master of Laws, European and International Business Law, Leiden University (June 2022-December 2022);
(2017); dan • Head of Legal and Internal Audit of AJAIB (January 2022-June 2022);
• Sarjana Hukum, Universitas Indonesia (2010). • Senior Legal Counsel of Financial Services & Litigation of PT Visionet
• Master of Law, European and International Business Law, Leiden University Internasional (OVO): e-Money, PT Indonusa Bara Sejahtera (TARALITE):
(2017); and P2P Lending, and PT Sutra Kasih Rupawa (KOLEKO): Lending Collection
• Bachelor of Law, University of Indonesia (2010) (May 2019-December 2021);
• Legal Manager of PT Hutchison 3 Indonesia (November 2017-April 2019);
Riwayat Jabatan Sebelumnya • Staff of Directorate of Litigation and Legal Assistance of Financial
Previous Work History Services Authority (March 2015-August 2016); and
• Senior Associate Lawyer of AYMP Law Firm (June 2015-March 2015).
• GM Compliance & Risk Management PT Bank Bumi Arta Tbk
(Juni 2022-Desember 2022);
• Head of Legal and Internal Audit AJAIB (Januari 2022-Juni 2022);
Ernawati Soegito
Kepala Divisi Manajemen Risiko / Head of Risk Management Division
Warga Negara Indonesia Usia 55 tahun Berdomisili di Jakarta
Indonesian Citizen 55 years old Domiciled in Jakarta
Dasar Pengangkatan • Kepala Biro Marketing Bank Notes Center PT Bank Central Asia Tbk
Basis of Appointment (Oktober 2000-Februari 2002);
• Kepala Biro Internal Audit Group Bisnis Kantor Pusat PT Bank Central
Surat Keputusan Direksi No.SK/DIR/031/0623. Asia Tbk (Agustus 1993-September 2000); dan
Board of Directors Decision No.SK/DIR/031/0623. • Senior Auditor PT Inti Salim Corpora (Holding of Salim Group) (Mei 1991-
Juli 1993).
Riwayat Pendidikan • Head of Operational Risk Management Division of PT Bank Central Asia
Educational History Tbk (February 2004-2020);
• Head of Operational Bureau of Bank Notes Center of PT Bank Central
Asia Tbk (March 2002-January 2004);
• Magister Manajemen, Jurusan Keuangan dari Sekolah Tinggi PPM, Jakarta; • Head of Marketing Bureau of Bank Notes Center of PT Bank Central Asia
dan Tbk (October 2000-February 2002);
• Sarjana Ekonomi, Jurusan Manajemen, Universitas Kristen Satya Wacana, • Head of Internal Audit Bureau of Business Group Head Office of PT Bank
Salatiga. Central Asia Tbk (August 1993-September 2000); and
• Master of Management, Majoring in Finance from PPM College, Jakarta; • Senior Auditor of PT Inti Salim Corpora (Holding of Salim Group) (May
and 1991-July 1993).
• Bachelor of Economics, Majoring in Management, Satya Wacana
Christian University, Salatiga.
Riwayat Jabatan Sebelumnya
Previous Work History
• Kepala Divisi Operational Risk Management PT Bank Central Asia Tbk
(Februari 2004-2020);
• Kepala Biro Operasional Bank Notes Center PT Bank Central Asia Tbk
(Maret 2002-Januari 2004);
PT Bank Ina Perdana Tbk
2023 Annual Report 87
Page 90
Profil Perusahaan
Company Profile
Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Rony Hermawan Kepala Divisi General Services & Surat Keputusan Direksi Pascasarjana Program Studi Management
Procurement No. SK/DIR/042/0823. Strategic, Perbanas Institute Jakarta (2017)
Head of General Services & Board of Directors Decision Postgraduate Study Program, Strategic
Procurement Division No. SK/DIR/042/0823. Management, Perbanas Institute Jakarta
(2017
John Eric Pontoh Kepala Divisi Legal Surat Keputusan Direksi Program Spesialis Notariat, Universitas
Head of Legal Division No. SK/DIR/005/0123. Indonesia (2020)
Board of Directors Decision Notarial Specialist Program, Universitas
No. SK/DIR/005/0123. Indonesia (2020
Albertina Dwita Harliani Kepala Divisi Treasury & Financial Surat Keputusan Direksi Master of Business Administration, United
Institutions No. SK/DIR/009/0420. States International University, San Diego,
Head of Treasury & Financial Board of Directors Decision USA (1992)
Institutions Division No. SK/DIR/009/0420. Master of Business Administration, United
States International University, San Diego,
USA (1992)
Henky Priyatna Arief Rivai Kepala Divisi Komersial Banking Surat Keputusan Direksi Sarjana Ekonomi, Universitas Tarumanagara
Head of Commercial Banking Division No. SK/DIR/049/1121. (1995)
Board of Directors Decision Bachelor of Economics, Tarumanagara
No. SK/DIR/049/1121. University (1995).
Tjung Jun Kepala Divisi Consumer Loans Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen
Head of Consumer Loans Division No. SK/DIR/024/0721. Keuangan dan Perbankan, Sekolah Tinggi
Board of Directors Decision Ilmu Ekonomi (STIE) Nusantara (d/h STIE GS
No. SK/DIR/024/0721. Fame/Gunung Sewu) (1992-1996)
Bachelor of Economics, Department
of Finance and Banking Management,
Nusantara College of Economics (STIE)
(formerly STIE GS Fame/Gunung Sewu)
(1992-1996).
Karmex Siadari Kepala Divisi Kebijakan, Sistem & Surat Keputusan Direksi Doktor, bidang Strategy Business and
Prosedur No. SK/DIR/027/0721. Management, IPB University (2021)
Head of Policy, System, and Procedure Board of Directors Decision Doctor, Division of Business Strategy and
Division No. SK/DIR/027/0721 Management, IPB University (2021)
Moh Haris Zaenal Abidin Kepala Satuan Kerja Akuntansi & Surat Keputusan Direksi Sarjana Ekonomi Jurusan Akuntansi,
Perencanaan Keuangan No. SK/DIR/021/0721. Universitas Teknologi Yogyakarta (2007)
Head of Accounting & Financial Board of Directors Decision Bachelor of Economics, Majoring in
Planning Work Unit No. SK/DIR/021/0721 Accounting, Yogyakarta University of
Technology (2007)
Liza L Widyawari Kepala Divisi Human Capital Surat Keputusan Direksi Magister Manajemen, Jurusan Manajemen
Head of Human Capital Division No. SK/DIR/026/0722. Stratejik, Prasetya Mulya Business School,
Board of Directors Decision Jakarta (2010)
No. SK/DIR/026/0722. Master of Management, Department of
Strategic Management, Prasetya Mulya
Business School, Jakarta (2010).
Lirani Setyowati Kepala Divisi Marketing Surat Keputusan Direksi Sarjana Hukum, Universitas Diponegoro
Communication No. SK/DIR/008/0322. Semarang (1989)
Head of Marketing Board of Directors Decision Bachelor of Law, Diponegoro University
Communication Division No.SK/DIR/008/0322. Semarang (1989).
Untung Kurniawan Kepala Divisi Network & Branch Surat Keputusan Direksi Master of Business Administration,
Development No. SK/DIR/012/0322. Universitas Gadja Mada (2008)
Head of Network & Branch Board of Directors Decision Master of Business Administration, Gadja
Development Division No. SK/DIR/012/0322. Mada University (2008);
Novianto Harry Kristono Kepala Divisi Micro Banking Surat Keputusan Direksi Magister Manajemen, Universitas Sriwijaya,
Head of Micro Banking Division No. SK/DIR/029/0722. Palembang (2002)
Board of Directors Decision Master of Management, Sriwijaya University,
No.SK/DIR/029/0722. Palembang (2002)
PT Bank Ina Perdana Tbk
88 Laporan Tahunan 2023
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Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Farry Permana Kepala Satuan Kerja SIM & Pelaporan Surat Keputusan Direksi Sarjana Komputer, Jurusan Teknik
Head of SIM & Reporting Work Unit No. SK/DIR/024/0922. Informatika, STMIK Mardira Indonesia,
Board of Directors Decision Bandung (2003)
No.SK/DIR/024/0922. Bachelor of Computers, Informatics
Engineering Department, STMIK Mardira
Indonesia (2003).
Fenty Tiodor Simanjuntak Kepala Divisi Digital Governance Surat Keputusan Direksi Magister Komputer, Jurusan IT Governance &
Head of Digital Governance Division No. SK/DIR/025/0922. Information, Swiss German University (2014)
Board of Directors Decision Master of Computing, Majoring in IT
No.SK/DIR/025/0922. Governance & Information, Swiss German
University (2014)
Yudhiprama Elpantja Kepala Divisi Kredit Review Surat Keputusan Direksi Magister Manajemen, Universitas Indonesia,
Head of Credit Review Division No. SK/DIR/001/0123. Depok
Board of Directors Decision Master of Management, Universitas Indonesia,
No.SK/DIR/001/0123. Depok
Henry Aza Widjaja Kepala Divisi Digital Technology Surat Keputusan Direksi Magister Teknologi Informasi, Jurusan
Yapputra Head of Digital Technology Division No. SK/DIR/009/0123. Teknologi Informasi, Universitas Indonesia,
Board of Directors Decision Jakarta
No.SK/DIR/009/0123. Master of Information Technology, Majoring
in Information Technology, Universitas
Indonesia, Jakarta.
Erica Nova Kepala Divisi Operation Development Surat Keputusan Direksi Sarjana Elektro, Universitas Trisakti, Jakarta
Head of Operation Development No. SK/DIR/053/1023. Bachelor of Electrical Engineering, Trisakti
Division Board of Directors Decision University, Jakarta
No. SK/DIR/053/1023.
Wagimin Kepala Divisi Transaction Banking Surat Keputusan Direksi Sarjana Teknik, Jurusan Teknik Industri,
Head of Transaction Banking Division No. SK/DIR/018a/0323. Universitas Indonesia, Jakarta
Board of Directors Decision Bachelor of Engineering, Majoring in
No.SK/DIR/018a/0323. Industrial Engineering, Universitas
Mieliawati Kamto Kepala Divisi Credit Administration Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Akuntansi, Sekolah
Head of Credit Administration Division No. SK/DIR/024/0323. Tinggi Ilmu Ekonomi (STIE) Supra
Board of Directors Decision Bachelor of Economics, Majoring in
No. SK/DIR/024/0323. Accounting, College of Economics (STIE)
Supra
Iwan Kepala Divisi Priority & Wealth Surat Keputusan Direksi Sarjana Teknik Sipil, Universitas
Management No. SK/DIR/041.5/0823. Tarumanagara
Head of Priority & Wealth Board of Directors Decision Bachelor of Civil Engineering, Tarumanagara
Management Division No. SK/DIR/041.5/0823. University
Limmi Heriyanto Kepala Satuan Kerja Marketing Surat Keputusan Direksi Sarjana Komputer, Jurusan Sistem Informasi,
Strategy & Sales Management No. SK/DIR/041.8/0823. Universitas Bina Nusantara
Head of Marketing Strategy & Sales Board of Directors Decision Bachelor of Computer Science, Majoring
Management Work Unit No. SK/DIR/041.8/0823. in Information System, Bina Nusantara
University
Herman Labuan Kepala Divisi Technology Operation • Surat Keputusan Direksi Sarjana Teknik Elektro, Universitas Indonesia
& Control Unit dan Pelaksana Tugas No. SK/DIR/043/0823; dan Bachelor of Electrical Engineering, Universitas
Kepala Divisi Branch & Commercial • Surat Keputusan Direksi Indonesia.
Technology No. SK/DIR/061/1123.
Head of Technology Operation & • Board of Directors Decision
Control Unit and Acting Head of No. SK/DIR/043/0823; and
Branch & Commercial Technology • Board of Directors Decision
Division No. SK/DIR/061/1123.
PT Bank Ina Perdana Tbk
2023 Annual Report 89
Page 92
Profil Perusahaan
Company Profile
Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Febe Budianto Kepala Divisi Digital Solutions & Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Akuntansi, Sekolah
Partnership No. SK/DIR/048/0923. Tinggi Ilmu Ekonomi Yayasan Keluarga
Head of Digital Solutions & Partnership Board of Directors Decision Pahlawan Negara, Yogyakarta
No. SK/DIR/048/0923. Bachelor of Economics, Majoring in
Accounting, College of Economics Yayasan
Keluarga Pahlawan Negara, Yogyakarta
Yenny Halim Kepala Divisi Digital Banking Operation Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Administrasi Bisnis,
Head of Digital Banking Operation No. SK/DIR/054/1023. Universitas Atmajaya, Jakarta
Division Board of Directors Decision Bachelor of Economics, Majoring in Business
No. SK/DIR/054/1023. Administration, Atmajaya University, Jakarta
Ali Santa Pejabat Sementara Kepala Divisi Credit Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
Governance No. SK/DIR/052/1023. Universitas Trisakti, Jakarta
Acting Head of Credit Governance Board of Directors Decision Bachelor of Economics, Majoring in
Division No. SK/DIR/052/1023. Management, Jakarta
Laksmiwati Harjoko Kepala Divisi Branch Operation & Surat Keputusan Direksi Lembaga Pendidikan Akuntansi Universitas
Control Unit No. SK/DIR/060/1123. Tarumanagara (1978)
Head of Branch Operation & Control Board of Directors Decision Institute of Accounting Education of
Unit Division No. SK/DIR/060/1123. Tarumanagara University (1978)
Ana Sjamsuriah Pemimpin Kantor Cabang Medan Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
Head of Medan Branch Office No. SK/DIR/002/0220. Sekolah Tinggi Ilmu Ekonomi Harapan,
Board of Directors Decision Medan (1995)
No. SK/DIR/002/0220. Bachelor of Economics, Majoring in
Management, Harapan College of
Economics, Medan (1995).
Andie Nuvianto Pemimpin Kantor Cabang Yogyakarta Surat Keputusan Direksi Sarjana Ilmu Politik, Jurusan Ilmu
Head of Yogyakarta Branch Office No. SK/DIR/015/0520. Pemerintahan, Universitas Gadjah Mada,
Board of Directors Decision Yogyakarta (1996)
No. SK/DIR/015/0520. Bachelor of Political Science, Department
of Government Science, Gadjah Mada
University, Yogyakarta (1996).
Charles Belen Pemimpin Kantor Cabang Ambon Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Akuntansi,
Head of Ambon Branch Office No. SK/DIR/008A/0618. Universitas Pattimura (2008)
Board of Directors Decision Bachelor of Economics, Faculty of
No. SK/DIR/008A/0618. Accounting, Pattimura University (2008)
Dewi Sarijati Pemimpin Kantor Cabang Denpasar Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
Head of Denpasar Branch Office No. SK/DIR/008/0617. Universitas Lampung (1992)
Board of Directors Decision Bachelor of Economics, Majoring in
No. SK/DIR/008/0617. Management, University of Lampung (1992).
Vonny Ridho Pemimpin Kantor Cabang Pasar Surat Keputusan Direksi Magister Hukum, Universitas Islam
Minggu, Jakarta No. SK/DIR/018/0419. As-Syafi’iyah, Jakarta
Head of Pasar Minggu Branch Office, Board of Directors Decision Master of Law, As-Syafi’iyah Islamic
Jakarta No. SK/DIR/018/0419. University, Jakarta
Rusdy Yanto Pemimpin Kantor Cabang Ariobimo, Surat Keputusan Direksi Pascasarjana Program Studi Manajemen
Jakarta No. SK/DIR/025/0820. Keuangan, Universitas Tarumanagara (2005)
Head of Ariobimo Branch Office, Board of Directors Decision Postgraduate Study Program in Financial
Jakarta No. SK/DIR/025/0820. Management, Tarumanagara University
(2005)
Liliana Kusuma Chandra Pemimpin Kantor Cabang Solo Surat Keputusan Direksi Sarjana Bahasa Asing (Perancis), IKIP Negeri
Head of Solo Branch Office No. SK/DIR/042/1021. Semarang (1990)
Board of Directors Decision Bachelor of Foreign Languages (French),
No. SK/DIR/042/1021. Semarang State Teachers’ Training College
(1990);
Harijanto Tanuwidjaja Pemimpin Kantor Cabang Bandung Surat Keputusan Direksi Sarjana Teknik Sipil, Universitas Parahyangan,
Head of Bandung Branch Office No. SK/DIR/055/1121. Bandung (1990)
Board of Directors Decision Bachelor of Civil Engineering, Parahyangan
No. SK/DIR/055/1121. University, Bandung (1990).
Iwan Victorius T Pemimpin Kantor Cabang Makassar Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen,
Head of Makassar Branch Office No. SK/DIR/024/0622. Universitas Hasanuddin Makassar (1995)
Board of Directors Decision Bachelor of Economics, Majoring in
No. SK/DIR/024/0622. Management, University of Hasanuddin
Makassar (1995).
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90 Laporan Tahunan 2023
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Nama Jabatan Dasar Pengangkatan Pendidikan Terakhir
Name Position Basis of Appointment Education Background
Olviany Dowah Pemimpin Kantor Cabang Palu Surat Keputusan Direksi Bachelor of Business Administration,
Head of Palu Branch Office No. SK/DIR/051.A/1223. Indonesian Institute of Management (1995)
Board of Directors Decision Bachelor of Business Administration,
No. SK/DIR/051.A/1223. Indonesian Institute of Management (1995).
Lussy Kanserina Yulisia Pemimpin Kantor Cabang Kelapa Surat Keputusan Direksi Magister Manajemen, Program Studi
Gading, Jakarta No. SK/DIR/032/0623. Pemasaran, Sekolah Tinggi Manajemen
Head of Kelapa Gading, Jakarta Board of Directors Decision Labora, Jakarta (2002)
Branch Office No. SK/DIR/032/0623. Master of Management, Marketing Study
Program, Labora College of Management,
Jakarta (2002).
Retno Windrati Pemimpin Kantor Cabang Malang Surat Keputusan Direksi Sarjana Ekonomi, Jurusan Manajemen
Head of Malang Branch Office No. SK/DIR/035/0723. Keuangan, Sekolah Tinggi Ilmu Ekonomi
Board of Directors Decision Malangkucecwara, Malang
No. SK/DIR/035/0723. Bachelor of Economics, Majoring in Financial
Management, Malangkucecwara College of
Economics, Malang.
Joko Pemimpin Kantor Cabang Semarang Surat Keputusan Direksi Sarjana Komputer, Jurusan Sistem Informasi,
Head of Semarang Branch Office No. SK/DIR/056/1123. Universitas Pelita Harapan
Board of Directors Decision Bachelor of Computer Science, Majoring
No. SK/DIR/056/1123. in Information System, Universitas Pelita
Harapan.
Anggraeni Tedjokusumo Pemimpin Kantor Cabang Kertajaya, Surat Keputusan Direksi Sarjana Ekonomi, Universitas Surabaya
Surabaya No. SK/DIR/063/1123. Bachelor of Economics, Universitas Surabaya.
Head of Kertajaya, Surabaya Branch Board of Directors Decision
Office No. SK/DIR/063/1123.
Erna Dwi Eviyani Pemimpin Kantor Cabang Tegal Surat Keputusan Direksi Sarjana Ekonomi, Yogyakarta
Head of Tegal Branch Office No. SK/DIR/011/0123. Bachelor of Economics, Yogyakarta.
Board of Directors Decision
No. SK/DIR/011/0123.
PT Bank Ina Perdana Tbk
2023 Annual Report 91
Page 94
Profil Perusahaan
Company Profile
Profil Komite Audit
Profile of Audit Committee
Inawaty Handojo
Ketua Komite Audit / Chairperson of the Audit Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/020/0622 tanggal 27 Juni 2022 Banking, Governance, Risk Management, Assurance, dan Control
tentang Anggota Komite Audit PT Bank Ina Perdana Tbk. Compliance.
Board of Directors Decision No.SK/DIR/020/0622 dated 27 June 2022 Banking, Governance, Risk Management, Assurance, and Control
regarding Members of the Audit Committee of PT Bank Ina Perdana Tbk. Compliance.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Ivan Purnama Sanoesi
Anggota Komite Audit / Audit Committee Member
Warga Negara Indonesia Usia 62 tahun Berdomisili di Jakarta
Indonesian Citizen 62 years old Domiciled in Jakarta
Dasar Pengangkatan Riwayat Jabatan Sebelumnya
Basis of Appointment Previous Work History
Surat Keputusan Direksi No. SK/DIR/020/0622 tanggal 27 Juni 2022 Wakil Kepala Divisi Audit Internal PT Bank Central Asia Tbk (1999-Mei
tentang Anggota Komite Audit PT Bank Ina Perdana Tbk. 2016).
Board of Directors Decision No. SK/DIR/020/0622 dated 27 June 2022 Deputy Head of Internal Audit Division of PT Bank Central Asia Tbk (1999-
regarding Members of the Audit Committee of PT Bank Ina Perdana Tbk. May 2016).
Riwayat Pendidikan Kualifikasi
Educational History Qualification
• Magister, Sekolah Tinggi Manajemen PPM Manajemen (2004); dan Qualified Internal Auditor, Sertifikasi Manajemen Risiko Tingkat IV, dan
• Sarjana Ekonomi Jurusan Akuntansi, Universitas Tarumanagara (1989). Wakil Perantara Perdagangan Efek.
• Masters, PPM Management College of Management (2004); and Qualified Internal Auditor, Certification Level IV Risk Management, and
• Bachelor of Economics, Department of Accounting, Tarumanagara Broker Dealer Representative.
University (1989).
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92 Laporan Tahunan 2023
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Jacobus Sindu Adisuwono
Anggota Komite Audit / Audit Committee Member
Warga Negara Indonesia Usia 61 tahun Berdomisili di Jakarta
Indonesian Citizen 61 years old Domiciled in Jakarta
Dasar Pengangkatan Rangkap Jabatan
Basis of Appointment Concurrent Position
Surat Keputusan Direksi No. SK/DIR/020/0622 tanggal 27 Juni 2022 • Anggota Komite Audit PT Bank KB Bukopin Tbk (sejak 2022);
tentang Anggota Komite Audit PT Bank Ina Perdana Tbk. • Anggota Komite Pemantau Risiko PT Bank Ina Perdana Tbk (sejak 2021);
Board of Directors Decision No.SK/DIR/020/0622 dated 27 June 2022 • Komisaris PT Asuransi Umum BCA (sejak 2021); dan
regarding Members of the Audit Committee of PT Bank Ina Perdana Tbk. • Anggota Komite Audit PT Bank BCA Syariah (sejak 2017).
• Member of Audit Committee of PT Bank KB Bukopin Tbk (since 2022);
• Member of Risk Monitoring Committee of PT Bank Ina Perdana Tbk
Riwayat Pendidikan
(since 2021);
Educational History
• Commissioner of PT Asuransi Umum BCA (since 2021); and
• Member of Audit Committee of PT Bank BCA Syariah (since 2017).
Sarjana Akuntansi, Universitas Katolik Parahyangan
Bachelor of Accounting, Parahyangan Catholic University.
Kualifikasi
Qualification
Riwayat Jabatan Sebelumnya
Previous Work History Qualified Internal Auditor (QIA), Certified Internal Auditor (CIA), Certification
in Audit, Committee Practices (CACP), dan Sertifikasi Manajemen Risiko
• Presiden Komisaris PT BCA Finance (2018-2021); Level IV.
• Ketua Dewan Pengawas Dana Pensiun BCA (2009-2018); Qualified Internal Auditor (QIA), Certified Internal Auditor (CIA),
• Ketua Dewan Pengawas Yayasan Bhakti BCA (2009-2018); dan Certification in Audit, Committee Practices (CACP), and Level IV Risk
• Kepala Divisi Audit Internal PT Bank Central Asia Tbk (2008-2017). Management Certification.
• President Commissioner of PT BCA Finance (2018-2021);
• Chairman of BCA Pension Fund Supervisory Board (2009-2018);
• Chairman of the Supervisory Board of Bhakti BCA Foundation (2009-
2018); and
• Head of Internal Audit Division of PT Bank Central Asia Tbk (2008-2017).
PT Bank Ina Perdana Tbk
2023 Annual Report 93
Page 96
Profil Perusahaan
Company Profile
Profil Komite Nominasi dan Remunerasi
Profile of Nomination and Remuneration Committee
Inawaty Handojo
Ketua Komite Nominasi dan Remunerasi / Chairperson of Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/027/0722 tanggal 18 Juli 2022 tentang Perbankan, Tata Kelola, Manajemen Risiko, Assurance, dan
Anggota Komite Nominasi dan Remunerasi PT Bank Ina Perdana Tbk. Pengendalian Kepatuhan.
Board of Directors Decision No.SK/DIR/027/0722 dated 18 July 2022 Banking, Governance, Risk Management, Assurance, and Control
regarding Members of the Nomination and Remuneration Committee of Compliance.
PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Yohanes Santoso Wibowo
Anggota Komite Nominasi dan Remunerasi / Member of Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/027/0722 tanggal 18 Juli 2022 Perbankan.
tentang Anggota Komite Nominasi dan Remunerasi PT Bank Ina Banking.
Perdana Tbk.
Board of Directors Decision No.SK/DIR/027/0722 dated 18 July 2022
regarding Members of the Nomination and Remuneration Committee of
PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
PT Bank Ina Perdana Tbk
94 Laporan Tahunan 2023
Page 97
Josavia Rachman Ichwan
Anggota Komite Nominasi dan Remunerasi / Member of Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/027/0722 tanggal 18 Juli 2022 tentang Perbankan.
Anggota Komite Nominasi dan Remunerasi PT Bank Ina Perdana Tbk. Banking.
Board of Directors Decision No.SK/DIR/027/0722 dated 18 July 2022
regarding Members of the Nomination and Remuneration Committee of
PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Liza L Widyasari
Anggota Komite Nominasi dan Remunerasi / Member of Nomination and Remuneration Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/027/0722 tanggal 18 Juli 2022 Perbankan.
tentang Anggota Komite Nominasi dan Remunerasi PT Bank Ina Banking.
Perdana Tbk.
Board of Directors Decision No.SK/DIR/027/0722 dated 18 July 2022
regarding Members of the Nomination and Remuneration Committee
of PT Bank Ina Perdana Tbk.
Profil dapat dilihat pada Profil Pejabat Eksekutif dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Profiles of Executive in this Annual Report.
PT Bank Ina Perdana Tbk
2023 Annual Report 95
Page 98
Profil Perusahaan
Company Profile
Profil Komite Pemantau Risiko
Profile of Risk Monitoring Committee
Yohanes Santoso Wibowo
Ketua Komite Pemantau Risiko / Chairperson of Risk Monitoring Committee
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/021/0622 tanggal 27 Juni 2022 Perbankan.
tentang Anggota Komite Pemantau Risiko PT Bank Ina Perdana Tbk. Banking.
Board of Directors Decision No. SK/DIR/021/0622 dated 27 June 2022
regarding Members of the Risk Monitoring Committee of PT Bank Ina
Perdana Tbk.
Profil dapat dilihat pada Profil Dewan Komisaris dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Board of Commissioners in this Annual Report.
Ivan Purnama Sanoesi
Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/021/0622 tanggal 27 Juni 2022 Qualified Internal Auditor, Sertifikasi Manajemen Risiko Tingkat IV, dan
tentang Anggota Komite Pemantau Risiko PT Bank Ina Perdana Tbk. Wakil Perantara Perdagangan Efek.
Board of Directors Decision No.SK/DIR/021/0622 dated 27 June 2022 Qualified Internal Auditor, Certification Level IV Risk Management, and
regarding Members of the Risk Monitoring Committee of PT Bank Ina Broker Dealer Representative.
Perdana Tbk.
Profil dapat dilihat pada Profil Komite Audit dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Audit Committee in this Annual Report.
Jacobus Sindu Adisuwono
Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Pengangkatan Kualifikasi
Basis of Appointment Qualification
Surat Keputusan Direksi No. SK/DIR/021/0622 tanggal 27 Juni 2022 Qualified Internal Auditor (QIA), Certified Internal Auditor (CIA),
tentang Anggota Komite Pemantau Risiko PT Bank Ina Perdana Tbk. Certification in Audit, Committee Practices (CACP), dan Sertifikasi
Board of Directors Decision No.SK/DIR/021/0622 dated 27 June 2022 Manajemen Risiko Level IV.
regarding Members of the Risk Monitoring Committee of PT Bank Ina Qualified Internal Auditor (QIA), Certified Internal Auditor (CIA),
Perdana Tbk. Certification in Audit, Committee Practices (CACP), and Level IV Risk
Management Certification.
Profil dapat dilihat pada Profil Komite Audit dalam Laporan Tahunan ini.
Profiles can be seen in the Profiles of the Audit Committee in this Annual Report.
PT Bank Ina Perdana Tbk
96 Laporan Tahunan 2023
Page 99
Komposisi Pemegang Saham [POJK51-C.3]
Composition of Shareholders
Kepemilikan Saham Awal Tahun Kepemilikan Saham Akhir Tahun 2023
Share Ownership at Beginning of 2023 Share Ownership at End of 2023
Uraian
Description Nilai Nominal Kepemilikan Nilai Nominal Kepemilikan
Jumlah Saham Jumlah Saham
Nominal Value Ownership Nominal Value Ownership
Total Shares Total Shares
(Rp) (%) (Rp) (%)
Kepemilikan >5%
Ownership >5%
PT Indolife Pensiontama 1.400.830.852 140.083.085.200 22,83 1.400.830.852 140.083.085.200 22,83
PT Samudra Biru 1.114.213.066 111.421.306.600 18,16 1.114.213.066 111.421.306.600 18,16
UOB Kay Hian Pte Ltd 1.034.416.550 103.441.655.000 16,86 1.034.416.550 103.441.655.000 16,86
PT Gaya Hidup Masa Kini 726.190.057 72.619.005.700 11,84 726.190.057 72.619.005.700 11,84
DBS Bank Ltd S/A LTSL as Trustee of
593.387.750 59.338.775.000 9,67 593.387.750 59.338.775.000 9,67
NS Financial Fund
PT Philadel Terra Lestari 340.908.200 34.090.820.000 5,56 - - -
Kepemilikan <5%
Ownership < 5%
Masyarakat (masing-masing di
bawah 5%) 924.770.190 92.477.019.000 15,08 1.265.678.390 126.567.839.000 20,63
Public (each less than 5%)
Jumlah Saham Ditempatkan dan
Disetor Penuh 6.134.716.665 613.471.666.500 100,00 6.134.716.665 613.471.666.500 100,00
Total Issued and Fully Paid Shares
Komposisi Pemegang Saham Berdasarkan Composition of Shareholders Based on
Status Kepemilikan Ownership Status
Kepemilikan Saham Awal Tahun Kepemilikan Saham Akhir Tahun 2023
Share Ownership at Beginning of 2023 Share Ownership at End of 2023
Uraian
Description Nilai Nominal Kepemilikan Nilai Nominal Kepemilikan
Jumlah Saham Jumlah Saham
Nominal Value Ownership Nominal Value Ownership
Total Shares Total Shares
(Rp) (%) (Rp) (%)
Institusi Asing
Foreign Institutions 19 1.642.942.242 26,78 18 1.643.964.442 26,80
Institusi Lokal
38 4.416.456.315 71,99 38 4.433.069.915 72,26
Local Institution
Individu Asing
7 373.000 0,01 3 88.600 0,00
Foreign Individuals
Individu Lokal
1.857 74.945.108 1,22 1.350 57.593.708 0,94
Local Individuals
Total 1.921 6.134.716.665 100,00 1.409 6.134.716.665 100,00
Kepemilikan Saham Dewan Komisaris dan Share Ownership of the Board of
Direksi Commissioners and Board of Directors
Berdasarkan ketentuan Peraturan Otoritas Jasa Keuangan Based on the provisions of Financial Services Authority Regulation
No. 11/POJK.04/2017, setiap anggota Dewan Komisaris dan Direksi No. 11/POJK.04/2017, each member of the Board of Commissioners
Perusahaan Terbuka wajib melaporkan kepemilikan saham dan and the Board of Directors of a Public Company must report his/her
setiap perubahan kepemilikannya dalam waktu 3 hari kerja setelah share ownership and any changes in ownership within 3 working
transaksi dilakukan. Untuk tahun buku 2023, Dewan Komisaris days after the transaction. For the financial year 2023, the Board of
dan Direksi tidak memiliki saham di PT Bank Ina Perdana Tbk, baik Commissioners and the Board of Directors did not own shares in
secara langsung maupun tidak langsung. PT Bank Ina Perdana Tbk, either directly or indirectly.
PT Bank Ina Perdana Tbk
2023 Annual Report 97
Page 100
Profil Perusahaan
Company Profile
Pemegang Saham Utama dan Pengendali
Major and Controlling Shareholders
Anthoni Salim Phiong Philipus Darma Anthoni Salim
99,00% 1,00% 99,00%
PT Zambrut Indah PT Wahana Mulia
Persada Wiranusa
40,00% 60,00%
PT Cakra Intan Sakti
49,73%
PT Indolife Pensiontama
0,01%
22,83%
UOB Kay Hian lte Ltd.
16,86%
Berdasarkan bagan tersebut, Pemegang Saham Utama Bank Based on the chart, the Major Shareholder of Bank Ina is PT
Ina adalah PT Indolife Pensiontama, sedangkan pemilik manfaat Indolife Pensiontama, while the ultimate beneficial owner of the
terakhir Bank adalah Anthoni Salim. Informasi terkait Pemegang Bank is Anthoni Salim. Information related to the Bank’s Major
Saham Utama Bank diungkapkan sebagai berikut. Shareholder is disclosed as follows.
PT Bank Ina Perdana Tbk
98 Laporan Tahunan 2023
Page 101
Phiong Philipus Darma
1,00%
Hindartanto Budiono Axton Salim
99,00% 0,01%
PT Lintas Sejahtera
Anthoni Salim
Langgeng
0,55% 49,73%
99,99%
Harry Sumanto Widjaja
0,01%
99,99%
Ignatus Budiman PT Gaya Hidup Masa Kini
0,01% 11,84%
DBS Bank LTD S/A LTSL
AS Trustee of NS PT Samudra Biru Public
Financial
9,67% 18,16% 20,63%
PT Bank Ina Perdana Tbk
2023 Annual Report 99
Page 102
Profil Perusahaan
Company Profile
PT Indolife Pensiontama
Alamat Wisma Indocement Lt. 2
Address Jl. Jenderal Sudirman Kav. 70 - 71
Jakarta 12910
T : +62 21 522 4074 (Hunting)
F : +62 21 522 4080
Kepengurusan Dewan Komisaris / Board of Commissioners
Management Komisaris Utama / President Commissioner : Phiong Philipus Darma
Komisaris Independen / Independent Commissioner : Indomen Saragih
Komisaris Independen / Independent Commissioner : Pramono Margono
Direksi / Board of Directors
Direktur Utama / President Director : Andreas S Soedjijanto
Direktur / Director : Juli Priyatno
Direktur / Director : Harry Sumanto Widjaja
Profil Singkat PT Indolife Pensiontama merupakan perusahaan yang bergerak di bidang asuransi jiwa dan dana pensiun.
Brief Profile Perusahaan ini mengawali bisnisnya pada tahun 1991 melalui Surat Keputusan Menteri Keuangan
Republik Indonesia No. KEP 585/KM.13/1991. Sebagai bagian dari kelompok usaha Salim Grup,
PT Indolife Pensiontama dikenal memiliki kondisi keuangan yang kuat dan berkomitmen untuk memberikan
pelayanan yang prima bagi para nasabah.
Dengan menjunjung tinggi prinsip kehati-hatian dan solidaritas manajemen yang arif, PT Indolife Pensiontama
berkembang dan bertahan di dalam kancah kompetisi lembaga keuangan yang ketat. Keunggulan
PT Indolife Pensiontama yang menjadi kunci keberhasilan dalam menjalankan usaha adalah low cost
company, yakni kemampuan untuk membuat program-program asuransi yang memberikan perlindungan
bagi para nasabah, serta perlindungan finansial yang optimal. Selain itu, ketepatan waktu dan kemudahan
dalam penyelesaian klaim serta mampu menyelesaikan segala tantangan, memberikan andil yang besar
dalam menjaga kepercayaan nasabah selama ini.
PT Indolife Pensiontama is a company engaged in life insurance and pension funds. This company
started its business in 1991 through the Decree of Minister of Finance of the Republic of Indonesia
No. KEP 585/KM.13/1991. As part of Salim Group business group, PT Indolife Pensiontama is known to have
a strong financial condition and is committed to providing excellent service to its customers.
By upholding the principles of prudence and solidarity with wise management, PT Indolife Pensiontama
develops and survives in the intense competition of financial institutions. The advantages of
PT Indolife Pensiontama which are the key to success in running a business are low-cost company, namely
the ability to create insurance programs that provide protection for customers, as well as optimal financial
protection. In addition, timeliness and easy settlement of claims as well as being able to solve all challenges
have contributed greatly to maintaining customer trust so far.
Perlakuan yang Sama terhadap Seluruh Equal Treatment to All Shareholders
Pemegang Saham
Bank Ina menjamin bahwa Pemegang Saham Mayoritas maupun Bank Ina guarantees that Majority and Minority Shareholders
Minoritas mendapatkan perlakuan yang sama terkait keterbukaan receive equal treatment regarding information disclosure.
informasi. Langkah ini dilakukan guna mencegah adanya This measure is intended to prevent inside information that is
informasi pihak dalam (inside information) yang hanya diketahui known only by the Majority Shareholders. The executor of the
oleh Pemegang Saham Mayoritas. Pelaksana fungsi keterbukaan information disclosure function at Bank Ina is the Corporate
informasi di Bank Ina adalah Sekretaris Perusahaan. Secretary.
PT Bank Ina Perdana Tbk
100 Laporan Tahunan 2023
Page 103
Kronologi Penerbitan Saham
Chronology of Share Issuance
Bank Ina mencatatkan saham di Bursa Efek Indonesia sejak Bank Ina has listed its shares on Indonesia Stock Exchange since
16 Januari 2014. Kronologi pencatatan saham Bank hingga January 16, 2014. The chronology of the Bank’s share listing until
31 Desember 2023 diungkapkan sebagai berikut. December 31, 2023 is disclosed as follows.
Total Saham yang Jumlah Saham
Diterbitkan Harga yang Beredar
Nilai Nominal
Tanggal Uraian (Lembar Saham) Ditawarkan (Lembar Saham)
Nominal Value
Date Description Total Issued Offering Price Number of
(Rp)
Shares (Rp) Outstanding Shares
(Shares) (Shares)
16 Januari 2014 Saham Pendiri
1.559.000.000 - - 1.559.000.000
January 16, 2014 Founder’s Share
16 Januari 2014 Penawaran Umum Perdana
520.000.000 100 240 2.079.000.000
January 16, 2014 Initial Public Offering
15-21 Juli 2016 Hak Memesan Efek Terlebih
July 15-21, 2016 Dahulu (Rights Issue) I
618.750.000 100 240 2.697.750.000
Pre-emptive Rights
(Rights Issue) I
27 Januari 2017- Hak Memesan Efek Terlebih
2 Februari 2017 Dahulu (Rights Issue) II
January 27, 2017- 2.956.625.000 100 240 5.654.375.000
Pre-emptive Rights
February 2, 2017 (Rights Issue) II
3-9 Desember 2021 Hak Memesan Efek Terlebih
December 3-9, 2021 Dahulu (Rights Issue) III
282.718.750 100 4.200 5.937.093.750
Pre-emptive Rights
(Rights Issue) III
14-20 Desember 2022 Hak Memesan Efek Terlebih
14-20 December 2022 Dahulu (Rights Issue) IV
197.622.915 100 4.050 6.134.716.665
Pre-emptive Rights
(Rights Issue) IV
Kronologi Penerbitan Efek Lainnya
Chronology of Other Securities Issuance
Bank Ina tidak menerbitkan efek selain saham di bursa mana pun Bank Ina did not issue securities other than shares on any stock
hingga akhir tahun 2023. exchange until the end of 2023.
PT Bank Ina Perdana Tbk
2023 Annual Report 101
Page 104
Profil Perusahaan
Company Profile
Entitas Anak, Perusahaan Asosiasi, dan
Perusahaan Ventura
Subsidiaries, Associate Companies, and Venture Companies
Hingga 31 Desember 2023, Bank Ina tidak memiliki Entitas Anak, As of December 31, 2023, Bank Ina did not have Subsidiaries,
perusahaan asosiasi, dan perusahaan ventura, sehingga tidak ada associated companies, and venture companies, so there was no
informasi yang perlu dilaporkan. information that needed to be reported.
Struktur Grup
Group Structure
Sehubungan dengan tidak adanya Entitas Anak maupun Entitas Due to the absence of Subsidiaries or Associated Entities, Bank Ina
Asosiasi, maka Bank Ina tidak memiliki informasi terkait Struktur does not have information regarding the Bank Group Structure in
Grup Bank dalam Laporan Tahunan ini. this Annual Report.
Akuntan Publik
Public Accountant
Kantor Akuntan Publik Purwantono, Sungkoro & Surja
Public Accounting Firm
Nama Akuntan Publik Danil Setiadi Handaja
Public Accountant Name
Jl. Jenderal Sudirman, RT.5/RW.3, Senayan
Alamat Kec. Kebayoran Baru, Kota Jakarta Selatan
Address Jakarta 12190
T : +62 21 515 0515
Periode Penugasan Januari 2023-Desember 2023
Assignment Period January 2022-December 2023
Jasa Audit / Audit Service
Audit Laporan Keuangan / Audit of Financial Statements
Jasa yang Diberikan
Services Provided
Jasa Non-Audit / Non-Audit Service
-
Jasa Audit / Audit Services
Rp1.282.050.000,-
Biaya
Fee
Jasa Non-Audit / Non-Audit Services
-
PT Bank Ina Perdana Tbk
102 Laporan Tahunan 2023
Page 105
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professions
Informasi Perdagangan dan Pencatatan Saham
Information on Trading and Listing of Shares
Nama
PT Bursa Efek Indonesia
Name
Gedung Bursa Efek Indonesia Tower 1
Jl. Jenderal Sudirman Kav. 52-53 Jakarta 12190
Alamat T : +62 21 515 0515
Address F : +62 21 515 4153
W : www.idx.co.id
E : listing@idx.co.id
Jasa yang Diberikan Jasa pencatatan tahunan saham.
Services Provided Share annual listing service.
Biaya
Rp277.500.000,-
Fee
Periode Penugasan Januari 2023-Desember 2023.
Assignment Period January 2023-December 2023.
Biro Administrasi Efek
Share Registrar Bureau
Nama
PT Raya Saham Registra
Name
Gedung Plaza Sentral Lt. 2
Alamat Jl. Jendral Sudirman Kav. 47-48 Jakarta 12930
Address T : +62 21 252 5666
W : +62 21 252 5028
Jasa yang Diberikan Pemeliharaan data saham.
Services Provided Stock data maintenance.
Biaya
Rp55.500.000,-
Fee
Periode Penugasan Januari 2023-Desember 2023.
Assignment Period January 2023-December 2023.
Notaris
Notary
Nama
Edward Suharjo Wiryomartani, SH, MKn
Name
Jl. Kopi Barat No. 15 Jakarta 11230
Alamat
T : +62 21 690 7545, 691 0727, 692 8408
Address
W : +62 690 3263
Jasa yang Diberikan Pembuatan akta dan pendampingan acara RUPS Luar Biasa.
Services Provided Preparation of deed and assistance for Extraordinary GMS events.
Biaya
Rp35.897.436,-
Fee
Periode Penugasan
2023
Assignment Period
PT Bank Ina Perdana Tbk
2023 Annual Report 103
Page 106
Profil Perusahaan
Company Profile
Notaris
Notary
Nama
Christina Dwi Utami, SH, MHum, MKn
Name
Kompleks Ketapang Indah Blok B-2 No. 4-5
Alamat Jl. KH Zainul Arifin No. 2 Jakarta 11140
Address T : +62 21 630 1511
W : +62 633 7851
Jasa yang Diberikan Pembuatan akta dan pendampingan acara RUPS Tahunan.
Services Provided Preparation of deed and assistance for Annual GMS events.
Biaya
Rp16.650.000,-
Fee
Periode Penugasan
2023
Assignment Period
Informasi pada Situs Web Bank
Information on the Bank’s Website
Informasi terkini terkait Bank Ina senantiasa dipublikasikan The latest information related to Bank Ina is always published
melalui situs web (www.bankina.co.id), yang pengungkapannya through the website (www.bankina.co.id), in which the disclosure
senantiasa disesuaikan dengan Peraturan Otoritas Jasa Keuangan is always adjusted to the Financial Services Authority Regulation
No. 8/POJK.04/2015 tentang Situs Web Emiten atau Perusahaan No. 8/POJK.04/2015 on Website of Issuers or Public Companies.
Publik.
Cakupan Informasi Ketersediaan Keterangan
Information Coverage Availability Remark
Informasi Pemegang Saham sampai dengan pemilik akhir individu. Terdapat di laman Hubungan Investor > Struktur Grup.
Shareholder Information up to the individual ultimate owner. On the Investor Relations page > Group Structure.
Informasi mengenai Isi Kode Etik diungkapkan dalam Laporan
Tahunan yang diunggah pada situs web Bank di laman Hubungan
Isi Kode Etik. Investor > Laporan Tahunan.
Contents of the Code of Conduct. Information regarding the contents of the Code of Conduct is
disclosed in the Annual Report which is uploaded on the Bank’s
website on the Investor Relations > Annual Report page.
Informasi Rapat Umum Pemegang Saham (RUPS) paling kurang
meliputi bahan mata acara yang dibahas dalam RUPS, ringkasan
risalah RUPS, dan informasi tanggal penting yaitu tanggal
pengumuman RUPS, tanggal pemanggilan RUPS, tanggal RUPS,
serta tanggal ringkasan risalah RUPS diumumkan.
Terdapat di laman Hubungan Investor > RUPS.
Information on the General Meeting of Shareholders (GMS) at Available on the Investor Relations page > GMS
least includes agenda items discussed at the GMS, summary of
the GMS minutes, and information on important dates, the date
of the GMS announcement, the date of the GMS invitation, the
date of the GMS, and the date the summary of the GMS minutes
is announced.
Laporan Keuangan Tahunan terpisah (5 tahun terakhir). Terdapat di laman Hubungan Investor > Laporan Keuangan.
Separate Annual Financial Statements (last 5 years). Available on the Investor Relations page > Financial Report.
Profil Dewan Komisaris dan Direksi. Terdapat di laman Profil Kami > Manajemen.
Profiles of the Board of Commissioners and Board of Directors. Available on our Profile page > Management.
Pedoman Komite-komite, Unit Audit Internal, Pedoman
Piagam/Charter Dewan Komisaris, Direksi, Komite-komite, dan Penerapan Tata Kelola, serta pedoman lainnya diungkapkan pada
Unit Audit Internal. laman Profil Kami > Pedoman Bank.
Charter of Board of Commissioners, Board of Directors, Guidelines for Committees, Internal Audit Unit, Guidelines
Committees, and Internal Audit Unit. for Implementation of Governance, and other guidelines are
disclosed on our Profile page > Bank Guidelines.
PT Bank Ina Perdana Tbk
104 Laporan Tahunan 2023
Page 107
PT Bank Ina Perdana Tbk
2023 Annual Report 105
Page 108
Profil Perusahaan
Company Profile
Wilayah Operasional dan Jaringan
Operational Area and Network
Wilayah Operasional [POJK51-C.3]
Operational Area
Sumatera Utara
North Sumatra
Jakarta
Banten Jawa Barat
West Java Jawa Tengah
Central Java
Jawa Timur
East Java
Yogyakarta
Denpasar
Alamat Jaringan Kantor Layanan
Service Office Network Address
Status Kantor
Wilayah Nama Cabang Alamat
Region Office Status Address
Branch Name
KC Ariobimo Gedung Ariobimo Sentral, Jl. HR Rasuna Said Blok X-2 Kav. 5, Jakarta 12950
KC Pasar Minggu Jl. Raya Pasar Minggu No. 16A, Jakarta Selatan 12780
KC Kelapa Gading Jl. Boulevard Raya Blok LA-1, No. 16-17, Kelapa Gading, Jakarta Utara 14240
KCP UKRIDA 2 Kampus UKRIDA 2, Jl. Arjuna Utara No. 6, Jakarta Barat 11510
DKI Jakarta KCP Menara Indomaret Menara Indomaret Lt. 9, Jl. Pantai Indah Kapuk Boulevard No. 1, Kamal Muara, Penjaringan, Jakarta Utara 14470
KCP Abdul Muis Wisma BSG, Jl. Abdul Muis No. 40, Jakarta Pusat 10160
KCP Hayam Wuruk Jl. Hayam Wuruk No. 27, Kebon Kelapa, Gambir, Jakarta Pusat 10120
KCP Bona Indah Jl. Karang Tengah, Perumahan Bona Indah, Blok A2/D Kav. No. 2, Lebak Bulus, Cilandak, Jakarta Selatan 12440
KCP Wisma Indomobil Jl. MT Haryono, Kav. 10, Bidara Cina, Jatinegara, Jakarta Timur 13330
PT Bank Ina Perdana Tbk
106 Laporan Tahunan 2023
Page 109
Kantor Pusat
Head Office
Gedung Ariobimo Sentral,
Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5
Jakarta Selatan, 12950
+62 21 252 5678
+62 21 252 5025
1500738
corp_sec@bankina.co.id
www.bankina.co.id
Sulawesi Tengah
Central Sulawesi
Ambon
Sulawesi Selatan
South Sulawesi
Status Kantor
Wilayah Nama Cabang Alamat
Region Office Status Address
Branch Name
KCP Wisma Indocement Jl. Jenderal Sudirman Kav. 70 - 71, Setiabudi, Jakarta 12910
KCP Wisma 46 Wisma 46, Kota BNI Suite G.15, Ground Floor, Jl. Jenderal Sudirman Kav. 1, Jakarta Pusat 10220
KCP UKI Kampus UKI, Jl. Mayjend Sutoyo No. 2, Cawang, Jakarta Timur 13630
Sudirman Plaza, Indofood Tower Lt. 1, Jl. Jenderal Sudirman Kav. 76-78, Kuningan, Karet Semanggi,
KCP Sudirman Plaza
DKI Jakarta Setiabudi, Jakarta Selatan 12910
KCP UKRIDA 1 Kampus UKRIDA 1, Jl. Tanjung Duren Raya No. 4, Jakarta Barat 11470
KCP Soepomo PT Pabrik Kaos Aseli, Jl. Prof. DR. Soepomo, SH No.2, Menteng Dalam, Tebet, Jakarta 12870
KF Indogrosir Kemayoran Jl. Terusan Angkasa Blok B-2 Kav. 1, Jakarta Pusat
KCP Indogrosir Cipinang Jl. Pisangan Timur No. 1, Jakarta Timur
PT Bank Ina Perdana Tbk
2023 Annual Report 107
Page 110
Profil Perusahaan
Company Profile
Status Kantor
Wilayah Nama Cabang Alamat
Region Office Status Address
Branch Name
KCP GSS Boulevard Jl. Boulevard Raya, Ruko Financial Center, Blok BA2/003, Summarecon Serpong, Tangerang
KCP GSS Penabur Sekolah BPK Penabur, Jl. Raya Kelapa Gading Barat, Serpong, Tangerang
Banten
KCP Indogrosir Cikokol Jl. MH Thamrin, RT.007/RW.006, Cikokol, Tangerang 15117
KF Indogrosir Tangerang Jl. Gatot Subroto KM5 No. 4, Jatiuwung, Tangerang
KC Bandung Jl. Gatot Subroto No.47B, Bandung 40262
KCP Indogrosir
Jl. Lingkar Tanjungpura, Nagasari, Karawang Barat 41312
Karawang
KCP Indogrosir Bekasi Jl. Baru Terusan I Gusti Ngurahrai, RT 11/ RW 12, Bintara, Bekasi Barat 17134
KCP Indogrosir Bogor Jl. Raya Bogor Jakarta Km. 46, Nanggewer Mekar, Cibinong 16912
Jawa Barat
West Java KCP Indogrosir Ciputat Jl Raya Parung Ciputat No. 21, Bojongsari Baru, Sawangan 16516
KCP Galaxy Pertokoan Taman Galaxi Indah, Jl. Boulevard Blok G No. 16, Bekasi 17147
KCP Kota Bukit Indah Komplek Sentra Niaga, Blok A II No. 29 Kantor A3, Kota Bukit Indah, Purwakarta, Jawa Barat, 41181
KCP Indogrosir Sukabumi Jl. Lingkar Selatan No.26, Sudajaya Hilir, Baros Sukabumi 43161
KF Indogrosir Bandung Jl. Ahmad Yani No. 806, Cicaheum, Bandung
KC Yogyakarta Jl. P Diponegoro No. 42, DI Yogyakarta 55232
DI Yogyakarta KF Indogrosir
Jl. Raya Magelang Km. 6, Yogyakarta
Yogyakarta
KC Semarang Jl. Depok No. 38 D, Kembangsari, Semarang Tengah, Jawa Tengah 50133
KC Tegal Jl. Jend. Sudirman No. 42, Pekauman, Tegal Barat, Tegal 52125
Jawa Tengah KC Solo Jl. Slamet Riyadi No. 141, Solo 57151
Central Java KCP Indogrosir Solo Jl. Raya Solo - Tawangmangu KM. 7.2, Dagen, Jaten, Karanganyar 57554
KCP Pati Jl. Panglima Sudirman Ruko Pati Centre Point Blok C.3, Kel. Pati Lor, Pati 59111
KF Indogrosir Semarang Jl. Raya Kaligawe No. 38, Semarang
KC Kertajaya Jl. Kertajaya No. 224, Surabaya, Jawa Timur 60282
KC Malang Jl. Let. Jend. S Parman No. 47 A-B, Purwantoro, Blimbing, Jawa Timur 65122
Jawa Timur
KCP Mayjend Sungkono Jl. Mayjend Sungkono 166 No. 154 GG, Surabaya, Jawa Timur 60225
East Java
KCP Indogrosir Malang Jl. Sudanco Supriyadi Kav. 170A, Kebon Sari, Sukun Kota, Jawa Timur 97233
KF Indogrosir Surabaya Jl. Jemursari No. 351, Surabaya
Sumatera Utara KC Medan Jl. KH Zainul Arifin No. 29/55B, Medan Polonia, Kel. Madras Hulu, Sumatera Utara 20152
North Sumatra KCP Indogrosir Medan Jl. Sisingamangaraja No. 12, Harjosari I, Medan 20229
KC Ambon Jl. Dr. Setia Budi No. 24, Ahusen, Sirimau, Ambon 97127
Maluku
KCP Indogrosir Ambon Jl. Y Syaranamual, Hunuth/Durian Patah, Teluk Ambon, Maluku 97223
Sulawesi Selatan KC Makassar Jl. Dr. Wahidin Sudirohusodo No. 1 H Pattunuang, Waju, Makassar 90174
South Sulawesi KF Indogrosir Makassar Jl. Perintis Kemerdekaan Km. 18
Sulawesi Tengah
KC Palu Ruko Palu City Square, Jl. Soekarno Hatta, Kel. Talise, Kec. Mantikulore, Palu, Sulawesi Tengah 94118
Central Sulawesi
Denpasar KC Denpasar Jl. Gatot Subroto No. 334 C, Denpasar Utara 80233
Keterangan / Remark
KC : Kantor Cabang / Branch Offices
KCP : Kantor Cabang Pembantu / Sub-Branch Offices
KF : Kantor Fungsional / Functional Office
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108 Laporan Tahunan 2023
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Pendidikan dan Pelatihan Organ
Tata Kelola Perusahaan
Education and Training of Corporate Governance Organs
Pelatihan Dewan Komisaris Board of Commissioners’ Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
17 Januari 2023 Webinar: Tren Perbankan di Tahun 2023 • Inawaty Handojo Otoritas Jasa Keuangan
January 17, 2023 Webinar: Banking Trends in 2023 • Yohanes Santoso Wibowo Financial Services Authority
• Josavia Rachman Ichwan
8 Februari 2023 Pertemuan Tahunan Industri Jasa keuangan 2023 Yohanes Santoso Wibowo Otoritas Jasa Keuangan
February 8, 2023 Financial Services Industry Annual Meeting 2023 Financial Services Authority
23 Februari 2023 Webinar “The Role of Governance Risk & • Inawaty Handojo Otoritas Jasa Keuangan
February 23, 2023 Compliance (GRC) in Supporting Financial • Yohanes Santoso Wibowo Financial Services Authority
Sector Performance” • Josavia Rachman Ichwan
7 Maret 2023 Webinar: The Role of Governance, Risk, and Josavia Rachman Ichwan Otoritas Jasa Keuangan
March 7, 2023 Compliance (GRC) in Supporting Financial Financial Services Authority
Sector Performance
7 Maret 2023 Webinar “Pengintaian Data di Era Digital, • Inawaty Handojo Infobank
March 7, 2023 Siapkah Bank? • Yohanes Santoso Wibowo
Webinar “Data Snooping in Digital Age, Are
Banks Ready?
6 April 2023 Refreshment Manajemen Risiko • Inawaty Handojo Arfaidhams Secret
April 6, 2023 Risk Management Refreshment • Yohanes Santoso Wibowo
• Josavia Rachman Ichwan
6 April 2023 Webinar: Lesson Learned Kasus Silicon Valley • Yohanes Santoso Wibowo Lembaga Pengembangan Perbankan
April 6, 2023 Bank (SVB) • Josavia Rachman Ichwan Indonesia
Webinar: Lessons Learned from the Silicon Indonesia’s Banking Development
Valley Bank (SVB) Case Institute
30-31 Agustus 2023 IIA Indonesia National Conference Inawaty Handojo Tim Institute of Internal Auditors
August 30-31, 2023
19 September 2023 Sosialisasi Peraturan Otoritas Jasa Keuangan Inawaty Handojo Otoritas Jasa Keuangan
September 19, 2023 tentang Penerapan Tata Kelola bagi Bank Financial Services Authority
Umum
Dissemination of Financial Services Authority
Regulation on the Implementation of
Corporate Governance for Commercial Banks
Pelatihan Direksi Board of Directors’ Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
6 Januari 2023 Ramah Tamah dan Diskusi BI Kiung Hui Ngo Bank Indonesia
January 6, 2023 BI Hospitality and Discussion
8 Januari 2023 Sosialisasi Penguatan Kepesertaan Operasi Kiung Hui Ngo Bank Indonesia
January 8, 2023 Moneter dalam Rangka Integrasi Pengelolaan
Moneter dengan Pengembangan Pasar Uang
Dissemination of Strengthening Monetary
Operation Participation in the Framework
of Monetary Management Integration with
Money Market Development
10 Januari 2023 Webinar: Outlook Industri Jasa Keuangan di Kiung Hui Ngo Otoritas Jasa Keuangan
January 10, 2023 tahun 2023 Financial Services Authority
Webinar: Financial Services Industry Outlook
in 2023
17 Januari 2023 Webinar: Tren Perbankan di Tahun 2023 • Kiung Hui Ngo Otoritas Jasa Keuangan
January 17, 2023 Webinar: Banking Trends in 2023 • Adhiputra Tanoyo Financial Services Authority
PT Bank Ina Perdana Tbk
2023 Annual Report 109
Page 112
Profil Perusahaan
Company Profile
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
19 Januari 2023 Rapat Koordinasi Tahun 2023 • Adhiputra Tanoyo Pusat Pelaporan dan Analisis Transaksi
January 19, 2023 2023 Coordination Meeting • Daniel Budirahayu Keuangan
Financial Transaction Reports and
Analysis Center
31 Januari 2023 Webinar: Sustainable Trends to Watch Out in Kiung Hui Ngo Perhimpunan Bank Nasional
January 31, 2023 2023 National Bank Association
2 Februari 2023 Webinar: Implementasi Artificial Intelligence Yulius Purnama Junaedi Otoritas Jasa Keuangan
February 2, 2023 Webinar: Implementation of Artificial Financial Services Authority
Intelligence
6 Februari 2023 Pertemuan Tahunan Industri Jasa keuangan Adhiputra Tanoyo Otoritas Jasa Keuangan
February 6, 2023 2023 Financial Services Authority
Financial Services Industry Annual Meeting
2023
15 Februari 2023 Forum Diskusi Terbatas: Uncovering Cybercrime Yulius Purnama Junaedi Perhimpunan Bank Nasional
February 15, 2023 Through the Power of Collaborations National Bank Association
Limited Discussion Forum: Uncovering
Cybercrime Through the Power of
Collaborations
21 Maret 2023 Seminar: Navigating International Sanctions Daniel Budirahayu US Department of State bekerja sama
March 21, 2023 Regimes for Public and Private Financial dengan Moody's Analytics & CRDF
Stakeholders Global via Perhimpunan Bank Nasional
US Department of State in collaboration
with Moody’s Analytics & CRDF Global
via National Bank Association
21 Maret 2023 Coaching Clinic 1: Way forward for ESG: Adhiputra Tanoyo Indonesia Global Compact Network &
March 21, 2023 Streamlining and Impact Reporting Bursa Efek Indonesia
Indonesia Global Compact Network &
Indonesia Stock Exchange
28 Maret 2023 Coaching Clinic 2: Creating a Safe, Fair, and Adhiputra Tanoyo Indonesia Global Compact Network &
March 28, 2023 Decent Work Environment: Sustainability Bursa Efek Indonesia
Reporting and Impact Assessment for Human Indonesia Global Compact Network &
Rights Indonesia Stock Exchange
4 April 2023 Coaching Clinic 3: Integrating SDG 16 Business Adhiputra Tanoyo Indonesia Global Compact Network &
April 4, 2023 Framework into Business Strategy Bursa Efek Indonesia
Indonesia Global Compact Network &
Indonesia Stock Exchange
6 April 2023 Webinar: Anti Money Laundering in Digital Era: Adhiputra Tanoyo Otoritas Jasa Keuangan
April 6, 2023 Lesson Learned from Selected Countries Financial Services Authority
6 April 2023 Refreshment Manajemen Risiko • Kiung Hui Ngo
Arfaidhams Secret
April 6, 2023 Risk Management Refreshment • Yulius Purnama Junaedi
17 Mei 2023 Meningkatkan Kolaborasi Perbankan dalam Adhiputra Tanoyo Tim Forum Komunikasi Direktur
May 17, 2023 Rangka Pencegahan dan Pemberantasan Tindak Kepatuhan Perbankan
Pidana Pencucian Uang dalam Penyelenggaraan Banking Compliance Director
Pemilu dan Pilkada yang Berintegritas dan Communication Forum Team
Akuntabel
Enhancing Banking Collaboration in the
Prevention and Eradication of Money
Laundering in the Implementation of Elections
and Regional Head Elections with Integrity and
Accountability
24 Mei 2023 Webinar: Understanding the Landscape and Kiung Hui Ngo Bursa Efek Indonesia
May 24, 2023 Significance of GSS Bonds Indonesia Stock Exchange
24 Mei 2023 Webinar: Understanding the Key Elements of Kiung Hui Ngo Bursa Efek Indonesia
May 24, 2023 GSS Bonds Indonesia Stock Exchange
24-25 Juli 2023 Sertifikasi Anti-Fraud Unit Internal Bank Adhiputra Tanoyo Tim American Academy of Financial
July 24-25, 2023 Certification of Anti-Fraud Bank Internal Unit Management
1 Agustus 2023 Sosialisasi Peraturan Otoritas Jasa Keuangan Kiung Hui Ngo Otoritas Jasa Keuangan
August 1, 2023 No. 9 Tahun 2023 tentang Penggunaan Jasa Financial Services Authority
Akuntan Publik dan Kantor Akuntan Publik
dalam Kegiatan Jasa Keuangan
Dissemination of Financial Services Authority
Regulation No. 9 of 2023 on the Use of Public
Accountant Services and Public Accounting
Firm in Financial Services Activities
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110 Laporan Tahunan 2023
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Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
24-25 Agustus 2023 Workshop: Penerapan Program Anti Pencucian Yandy Ramadhani Tim Keypro
August 24-25, 2023 Uang, Pencegahan Pendanaan Terorisme,
dan Pencegahan Pendanaan Proliferasi
Senjata Pemusnah Massal di Sektor Keuangan
berdasarkan Peraturan Otoritas Jasa Keuangan
No. 8 Tahun 2023
Workshop: Implementation of Anti-Money
Laundering Program, Counter-Terrorist
Financing, and Counter-Proliferation Financing
of Weapons of Mass Destruction in the
Financial Sector based on Financial Services
Authority Regulation No. 8 of 2023
31 Agustus 2023 Webinar: Enhancing Financial Performance Kiung Hui Ngo Otoritas Jasa Keuangan
August 31, 2023 through Data Analytics Financial Services Authority
15 September 2023 Pelatihan Green Banking & Keuangan Adhiputra Tanoyo Edy Hartono
September 15, 2023 Berkelanjutan
Green Banking & Sustainable Finance Training
18-22 September 2023 ASEAN Global Leadership Program Kiung Hui Ngo Tim SRW & Co
September 18-22, 2023
19 September 2023 Sosialisasi Peraturan Otoritas Jasa Keuangan Adhiputra Tanoyo Otoritas Jasa Keuangan
September 19, 2023 tentang Penerapan Tata Kelola Bagi Bank Financial Services Authority
Umum
Dissemination of Financial Services Authority
Regulation on the Implementation of
Governance for Commercial Banks
18 Oktober 2023 Online: ACMF-ISSB Technical Training on Kiung Hui Ngo Otoritas Jasa Keuangan
Oktober 18, 2023 IFRS Sustainability Disclosures Standards for Financial Services Authority
Regulators and Corporate Prepares
7 November 2023 4th Legal Forum: Urgensi Regulatory Technology Adhiputra Tanoyo Pusat Pelaporan dan Analisis Transaksi
November 7, 2023 dan Digital Evidence dalam Mendukung Keuangan
Efektivitas Penegakan Hukum TPPU dan TPPT Financial Transaction Reports and
4th Legal Forum: The Urgency of Regulatory Analysis Center
Technology and Digital Evidence in Supporting
the Effectiveness of ML and TPPT Law
Enforcement
9 November 2023 Webinar: How to Drive Corporate Performance Kiung Hui Ngo Otoritas Jasa Keuangan
November 9, 2023 through Accounting Practices Financial Services Authority
17 November 2023 Webinar: Sharing Knowledge Sustainability Kiung Hui Ngo Perhimpunan Bank Nasional
November 17, 2023 National Bank Association
17 November 2023 Sharing Session: Pengamanan dan Penanganan Adhiputra Tanoyo Perhimpunan Bank Nasional
November 17, 2023 Insiden Siber National Bank Association
23 November 2023 5th Indonesia Fintech Summit & Expo 2023 Kiung Hui Ngo Fintech Indonesia
November 23, 2023
6 Desember 2023 Cyber Security pada Operasional Perbankan: Yulius Purnama Junaedi Forum Komunikasi Direktur Operasional
December 6, 2023 Secure Today, Empower Tomorrow Perbankan
Banking Compliance Director
Communication Forum Team
Pelatihan Komite Audit Audit Committee’s Training
Pelatihan yang diikuti Inawaty Handojo selaku Ketua Komite Audit The training attended by Inawaty Handojo as Chairman of the
diungkapkan pada bagian Pelatihan Dewan Komisaris. Sementara Audit Committee is disclosed in the Board of Commissioners
itu, Ivan Purnama Sanoesi dan Jacobus Sindu Adisuwono selaku Training section. Meanwhile, Ivan Purnama Sanoesi and Jacobus
anggota Komite Audit melaksanakan pelatihan secara mandiri Sindu Adisuwono as members of the Audit Committee carried
melalui buku dan beragam media informasi digital. out training independently through books and various digital
information media.
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2023 Annual Report 111
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Profil Perusahaan
Company Profile
Pelatihan Komite Nominasi dan Nomination and Remuneration
Remunerasi Committee’s Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
11-13 Mei 2023 Business Results Thru Future Human Liza L Widyasari Tim Digital & Human Transformation
May 11-13, 2023 Resources Capabilities CDHX
Catatan / Notes:
Pelatihan yang diikuti Inawaty Handojo selaku ketua Komite Nominasi dan Remunerasi serta Yohanes Santoso Wibowo dan Josavia Rachman Ichwan selaku Anggota Komite Nominasi
dan Remunerasi diungkapkan pada bagian Pelatihan Dewan Komisaris.
Training attended by Inawaty Handojo as Chairman of the Nomination and Remuneration Committee and Yohanes Santoso Wibowo and Josavia Rachman Ichwan as Members of the
Nomination and Remuneration Committee are disclosed in the Board of Commissioners Training section.
Pelatihan Komite Pemantau Risiko Risk Monitoring Committee’s Training
Pelatihan Yohanes Santoso Wibowo selaku Ketua Komite The training of Yohanes Santoso Wibowo as Chairman of the Risk
Pemantau Risiko diungkapkan pada bagian Pelatihan Dewan Monitoring Committee is disclosed in the Board of Commissioners
Komisaris. Sementara itu, Ivan Purnama Sanoesi dan Jacobus Training section. Meanwhile, Ivan Purnama Sanoesi and Jacobus
Sindu Adisuwono selaku anggota Komite Pemantau Risiko Sindu Adisuwono as members of the Risk Monitoring Committee
melaksanakan pelatihan secara mandiri melalui buku dan beragam carried out training independently through books and various
media informasi digital. digital information media.
Pelatihan Divisi Corporate Secretary Corporate Secretary’s Division’s Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
7-8 Februari 2023 Pembekalan Manajemen Risiko Level 1
Sukmawaty Andri Syukri Arfaidhams Secret
February 7-8, 2023 Level 1 Risk Management Briefing
11 Februari 2023 Ujian Manajemen Risiko Level 1 Badan Sertifikasi Manajemen Risiko
Sukmawaty Andri Syukri
February 11, 2023 Risk Management Exam Level 1 Risk Management Certification Body
Tim Indonesia Corporate Secretary
21-23 Februari 2023 Association
Workshop Corporate Governance Officer Feliks Suranta Tarigan
February 21-23, 2023 Indonesia Corporate Secretary
Association Team
17 Mei 2023 Sosialisasi eASY.KSEI PT Kustodian Sentral Efek Indonesia
Sukmawaty Andri Syukri
May 17, 2023 Dissemination of eASY.KSEI (KSEI)
30 Mei 2023 Sosialisasi BIK tahun 2023 Sukmawaty Andri Syukri Otoritas Jasa Keuangan
May 30, 2023 Dissemination of BIK in 2023 Financial Services Authority
30 Mei 2023 Effective Risk Management for Corporate Feliks Suranta Tarigan Indonesia Corporate Secretary
May 30, 2023 Secretary Association (ICSA)
8 Juni 2023 Webinar Regulatory ICSA Pendalaman Feliks Suranta Tarigan Indonesia Corporate Secretary
June 8, 2023 Peraturan Otoritas Jasa Keuangan Association (ICSA)
No. 14/POJK.04/2019 tentang Perubahan atas
Peraturan Otoritas Jasa Keuangan
No. 32/POJK.04/2015 tentang Penambahan
Modal Perusahaan Terbuka dengan
Memberikan Hak Memesan Efek Terlebih
Dahulu
Webinar on ICSA Regulatory,
In-depth of Financial Services Authority
Regulation No. 14/POJK.04/2019 on
Amendments to Financial Services Authority
Regulation No. 32/POJK.04/2015 on Capital
Increase with Pre-emptive Rights of Public
Companies
22 Juni 2023 Mengenal Lebih Jauh Pengaturan Undang- Feliks Suranta Tarigan Otoritas Jasa Keuangan
June 22, 2023 Undang Pengembangan dan Penguatan Sektor Financial Services Authority
Keuangan (P2SK) dalam Rangka Penguatan
Sektor Perbankan
Getting to Know More about the Arrangement
of Financial Sector Development and
Strengthening Law (P2SK) in the Framework of
Strengthening the Banking Sector
PT Bank Ina Perdana Tbk
112 Laporan Tahunan 2023
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Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
23 Juni 2023 Sosialisasi Information Security Awareness Sukmawaty Andri Syukri Internal Bank
June 23, 2023 Dissemination of Information Security
Awareness
13 Juli 2023 Pendalaman Peraturan Otoritas Jasa Keuangan Feliks Suranta Tarigan Indonesia Corporate Secretary
July 13, 2023 No. 42/POJK.04/2020 tentang Transaksi Afiliasi Association (ICSA)
dan Transaksi Benturan Kepentingan dan
Peraturan Otoritas Jasa Keuangan No. 17/
POJK.04/2020 tentang Transaksi Material dan
Perubahan Kegiatan Usaha Utama
In-depth of Financial Services Authority
Regulation No. 42/POJK.04/2020 on
Affiliated Transactions and Conflict of Interest
Transactions and Financial Services Authority
Regulation
No. 17/POJK.04/2020 on Material Transactions
and Changes in Main Business Activities.
20 Juli 2023 Mengenal Lebih Jauh Pengaturan Undang- Feliks Suranta Tarigan Otoritas Jasa Keuangan
July 20, 2023 Undang P2SK dalam Rangka Penguatan Sektor Financial Services Authority
Pasar Modal
Getting to Know More about P2SK Law
Arrangement in the Context of Strengthening
Capital Market Sector
31 Juli 2023 Pendalaman dan Updating Peraturan Otoritas Feliks Suranta Tarigan Asosiasi Emiten Indonesia (AEI)
July 31, 2023 Jasa Keuangan
In-depth and Updating Financial Services
Authority Regulations
3 Agustus 2023 Sosialisasi Perubahan Peraturan No. I-V tentang Feliks Suranta Tarigan Bursa Efek Indonesia
August 3, 2023 Ketentuan Khusus Pencatatan Saham dan Efek Indonesia Stock Exchange
Bersifat Ekuitas Selain Saham yang Diterbitkan
oleh Perusahaan Tercatat di Papan Akselerasi
Dissemination of Amendments to Regulation
No. I-V on Special Provisions for Listing Shares
and Equity Securities Other than Shares Issued
by Listed Companies on the Accelerated Board
19 September 2023 Sosialisasi Kegiatan Puncak Bulan Inklusi Sukmawaty Andri Syukri Otoritas Jasa Keuangan
September 19, 2023 Keuangan Tahun 2023 Financial Services Authority
Dissemination of Financial Inclusion Month
Peak Activities in 2023
20 September 2023 Peluncuran Publikasi Statistik IDX New Listing Sukmawaty Andri Syukri Bursa Efek Indonesia
September 20, 2023 Information Indonesia Stock Exchange
Launching of Publication of IDX New Listing
Information Statistics
23 September 2023 Penerapan Green Banking dan Keuangan Sukmawaty Andri Syukri & Internal Bank
September 23, 2023 Berkelanjutan Priskilla
Implementation of Green Banking and
Sustainable Finance
3 Oktober 2023 Indonesia Corporate Secretary
Listed Companies Compliance Refreshment Feliks Suranta Tarigan
October 3, 2023 Association (ICSA)
23 November 2023 Pendalaman Peraturan Otoritas Jasa Keuangan Sukmawaty Andri Syukri & Indonesia Corporate Secretary
November 23, 2023 No. 15/POJK.04/2020 tentang Rencana Priskilla Association (ICSA)
Penyelenggaraan dan Rapat Umum Pemegang
Saham Perusahaan Terbuka
In-depth of Financial Services Authority
Regulation No. 15/POJK.04/2020 on the
Planning and Organizing General Meeting of
Shareholders of Public Companies
Pelatihan Kepala Divisi Manajemen Risiko Head of Risk Management Division’s
Training
Tanggal Nama Program Peserta Narasumber
Date Program Name Participant Speaker
Pelatihan Green Banking & Keuangan
23 September 2023
Berkelanjutan Ernawati Soegito Edy Hartono
September 23, 2023
Green Banking & Sustainability Finance Training
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2023 Annual Report 113
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Analisis dan
Pembahasan
Manajemen
Management
Discussion and
Analysis
04
PT Bank Ina Perdana Tbk
114 Laporan Tahunan 2023
Page 117
PT Bank Ina Perdana Tbk
2023 Annual Report 115
Page 118
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Makroekonomi Global dan Nasional
Global and National Macroeconomic Overview
Tinjauan Perekonomian Global Global Economic Overview
Pertumbuhan ekonomi global tahun 2023 melambat dengan Global economic growth in 2023 slows with financial market
ketidakpastian pasar keuangan yang mereda di tengah divergensi uncertainty easing amid widening divergence between countries.
antarnegara yang semakin melebar. Berdasarkan data World Bank Based on World Bank data in the Global Economic Prospect in
dalam Global Economic Prospect Januari 2024, perekonomian January 2024, the global economy is estimated to slow down,
global diperkirakan melambat, dari sebelumnya 3,0% (yoy) di from 3.0% (yoy) in 2022 to 2.6% (yoy) in 2023[1].
tahun 2022 menjadi 2,6% (yoy) di tahun 2023[1].
Perlambatan ekonomi tersebut disebabkan oleh sejumlah faktor, The economic slowdown is caused by a number of factors, such as
seperti fragmentasi geopolitik-ekonomi, seiring dengan masih geopolitical-economic fragmentation, along with Russia’s ongoing
berlangsungnya perang Rusia di Ukraina, ketegangan Israel dan war in Ukraine, Israeli and Palestinian tensions since early October
Palestina sejak awal Oktober 2023, serta ketegangan perdagangan 2023, and trade tensions between the United States (US) and
antara Amerika Serikat (AS) dan Tiongkok yang berdampak pada China which have an impact on decreasing world trade volume.
penurunan volume perdagangan dunia. Perlambatan ekonomi global The global economic slowdown is also caused by the monetary
juga disebabkan oleh pengetatan moneter yang harus ditempuh tightening that central banks must take to bring down inflation,
bank-bank sentral untuk menurunkan inflasi, dengan kenaikan suku with interest rates are very high in developed countries, especially
bunga yang sangat tinggi di negara maju, khususnya AS[2]. the US [2].
Sementara itu, melonjaknya utang pemerintah untuk membiayai Meanwhile, soaring government debt to finance fiscal policy
ekspansi kebijakan fiskal di negara maju, khususnya AS, makin expansion in advanced economies, especially the US, has further
mendorong suku bunga dan kuatnya dolar AS di pasar keuangan boosted interest rates and a strong US dollar in global financial
global sehingga menarik aliran modal dunia dalam jumlah besar. markets, attracting large amounts of global capital flows. In
Di negara Emerging Market and Developing Economies (EMDEs), Emerging Market and Developing Economies (EMDEs), monetary
otoritas moneter diharuskan memperkuat respons kebijakan authorities are required to strengthen policy responses to maintain
untuk menjaga stabilitas eksternal dari dampak negatif rambatan external stability from the negative impacts of global propagation,
global tersebut, termasuk pembalikan aliran investasi portofolio including reversal of portfolio investment flows and high exchange
dan tingginya tekanan pelemahan nilai tukar [2]. rate weakening pressures [2].
Tinjauan Perekonomian Nasional National Economic Overview
Di tengah ketidakpastian dan perlambatan global, ekonomi Amidst global uncertainty and slowdown, Indonesia’s economy
Indonesia tetap tumbuh kuat dan stabil. Berdasarkan data dari continues to grow strongly and stable. Based on data from the
Badan Pusat Statistik dalam Berita Resmi Statistik edisi Februari 2024, Central Statistics Agency in the February 2024 edition of the
ekonomi Indonesia tahun 2023 tumbuh sebesar 5,05%[3]. Anggaran Official Statistical Gazette, Indonesia’s economy in 2023 will
Pendapatan dan Belanja Negara (APBN) berperan sebagai shock grow by 5.05%[3]. The State Budget (APBN) acts as a shock
absorber dalam menjaga daya beli masyarakat. Investasi juga dalam absorber in maintaining people’s purchasing power. Investment
tren menguat sejak Triwulan I 2023 sejalan dengan percepatan has also strengthened since the first quarter of 2023 in line with
pelaksanaan Proyek Strategis Nasional (PSN)[1]. Sementara itu, surplus the acceleration of the implementation of National Strategic
neraca perdagangan berlanjut pada Desember 2023 yang tercatat Projects (PSN)[1]. Meanwhile, the trade balance surplus continued
USD3,3 miliar dipengaruhi oleh kinerja ekspor komoditas utama in December 2023 at USD3.3 billion due to strong exports of
Indonesia yang tetap kuat, seperti batubara serta besi dan baja[4]. Indonesia’s main commodities, such as coal and iron and steel[4].
Di sisi lain, nilai tukar Rupiah tetap terjaga dan stabil sejalan On the other hand, the rupiah exchange rate has been maintained
dengan konsistensi kebijakan moneter Bank Indonesia hingga and stable in line with monetary policy consistency by Bank
Desember 2023. Perkembangan nilai tukar dan prospek ekonomi Indonesia until December 2023. Exchange rate developments and
yang positif dapat menarik aliran masuk portofolio asing the positive economic outlook will attract foreign portfolio inflows
dengan penguatan strategi operasi moneter pro-market melalui by strengthening the pro-market monetary operations strategy
optimalisasi instrumen Sekuritas Rupiah Bank Indonesia (SRBI), through optimization of Bank Indonesia Rupiah Securities (SRBI),
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116 Laporan Tahunan 2023
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Sekuritas Valas Bank Indonesia (SVBI), dan Sukuk Valas Bank Bank Indonesia Foreign Exchange Securities (SVBI), and Bank
Indonesia (SUVBI)[4]. Stabilitas nilai tukar Rupiah juga berdampak Indonesia Foreign Exchange Sukuk (SUVBI)[4]. Rupiah exchange
positif pada minimalnya imported inflation serta mendukung rate stability also has a positive impact on minimal imported
stabilitas ekonomi secara keseluruhan. inflation and supports overall economic stability.
Selanjutnya, imported inflation yang rendah berpengaruh Furthermore, low imported inflation affects inflationary pressures.
terhadap tekanan inflasi. Selain itu, kapasitas perekonomian yang In addition, the large economic capacity that can respond to
masih besar dan dapat merespons permintaan domestik juga domestic demand also affects inflation. In 2023, inflation is
berpengaruh terhadap inflasi. Pada 2023, capaian inflasi tercatat recorded at 2.61% (yoy), with the realization relatively stable and
sebesar 2,61% (yoy), realisasi tersebut relatif terjaga stabil dan controlled within the target corridor of 3.0%±1[1].
terkendali pada rentang target sasaran 3,0%±1[1].
Tinjauan Industri Perbankan Nasional
Overview of the National Banking Industry
Di tengah volatilitas keuangan global dan tren suku bunga tinggi Amidst global financial volatility and a trend of high interest rates
pada 2023, kinerja perbankan Indonesia secara keseluruhan relatif in 2023, Indonesia’s overall banking performance is relatively solid
solid dan resilien, didukung permodalan perbankan yang tetap solid and resilient, supported by solid banking capital with a high capital
dengan capital adequacy ratio (CAR) industri perbankan yang tinggi adequacy ratio (CAR) of the banking industry reaching 27.69%.
mencapai 27,69%. Pertumbuhan kredit mencapai 10,38% (yoy), Credit growth reached 10.38% (yoy), with bank intermediation
dengan kinerja intermediasi perbankan tetap terjaga pada angka performance maintained at Rp7,090 trillion. The highest growth
Rp7.090 triliun. Pertumbuhan tertinggi terjadi pada kredit investasi occurred in investment loans at 12.26% (yoy), followed by
sebesar 12,26% (yoy), diikuti oleh pertumbuhan kredit modal kerja working capital credit growth of 10.05% (yoy)[1]. Meanwhile, total
sebesar 10,05% (yoy)[1]. Sementara itu, jumlah kredit restrukturisasi Covid-19 restructuring loans continued their downward trend to
Covid-19 melanjutkan tren penurunan menjadi sebesar Rp265,8 Rp265.8 trillion (December 2022: Rp469.2 trillion), while third
triliun (Desember 2022: Rp469,2 triliun), sedangkan dana pihak party funds (DPK) reached Rp8,458 trillion, growing 3.73% (yoy),
ketiga (DPK) mencapai Rp8.458 triliun, tumbuh 3,73% (yoy), in line with current account growth of 4.57% (yoy).
sejalan dengan pertumbuhan giro yang mencapai 4,57% (yoy).
Sejalan dengan hal tersebut, ketahanan likuiditas perbankan juga In line with this, liquidity resilience in the banking industry has
tetap terjaga. Hingga Desember 2023, rasio alat likuid/non-core also been maintained. As of December 2023, the ratio of liquid
deposit (AL/NCD) dan alat likuid/DPK (AL/DPK) masing-masing instruments/non-core deposits (AL/NCD) and liquid instruments/
sebesar 127,07% dan 28,73%. Kondisi ini sejalan dengan masih deposits (AL/DPK) is 127.07% and 28.73%, respectively. This
tingginya penempatan pada surat berharga yang tergolong likuid dan condition is in line with the high placement of liquid securities
efektifnya implementasi Kebijakan Insentif Likuiditas Makroprudensial and the effective implementation of the Macroprudential Liquidity
(KLM). Adapun rasio kredit bermasalah perbankan (non-performing Incentive Policy (KLM). Meanwhile, non-performing loans (NPL)
loan/NPL), tercatat rendah, sebesar 2,19% (bruto) dan 0,71% (neto). ratios were recorded low at 2.19% (gross) and 0.71% (net). This
Hal ini menunjukkan bahwa kualitas kredit tetap terjaga[4]. shows that credit quality is maintained[4].
Dalam rangka mendukung pertumbuhan ekonomi nasional, In order to support national economic growth, the Financial Services
Otoritas Jasa Keuangan terus memperkuat kebijakan di bidang Authority continues to strengthen policies in the banking sector, one
perbankan salah satunya adalah mendukung transformasi digital of which is to support digital transformation and provide the same
dan memberikan level of playing field yang sama kepada industri level of playing field to the banking industry in the development of
perbankan dalam pengembangan layanan digital [1]. Sepanjang digital services [1]. Throughout 2023, the value of electronic money
tahun 2023, nilai transaksi uang elektronik mencapai Rp835,84 transactions reached Rp835.84 trillion or grew by 43.45% (yoy) and
triliun atau tumbuh sebesar 43,45% (yoy) dan nilai transaksi digital the value of digital banking transactions amounted to Rp58,478.24
banking sebesar Rp58.478,24 triliun atau meningkat 13,48% (yoy)[4]. trillion or an increase of 13.48% (yoy)[4].
Sumber / Sources:
[1] Siaran Pers No. 01/KSSK/Pers/2024, “Stabilitas Sistem Keuangan Tetap Terjaga di Tengah Risiko Perlambatan Ekonomi dan Ketidakpastian Global - Kementerian Keuangan
Republik Indonesia. / Press Release No. 01/KSSK/Pers/2024, “Financial System Stability Maintained Amidst Risk of Economic Slowdown and Global Uncertainty - Ministry of
Finance of the Republic of Indonesia.
[2] Laporan Perekonomian Indonesia 2023 - Bank Indonesia. / Indonesia Economic Report 2023 - Bank Indonesia.
[3] Berita Resmi Statistik No. 13/02/Th. XXVII, 5 Februari 2024 - Badan Pusat Statistik. / Official Statistical Gazette No. 13/02/Th. XXVII, February 5, 2024 - Central Bureau of Statistics.
[4] Laporan Kebijakan Moneter Triwulan IV 2023 - Bank Indonesia. / Monetary Policy Report Quarter IV 2023 - Bank Indonesia.
PT Bank Ina Perdana Tbk
2023 Annual Report 117
Page 120
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Operasi per Segmen Usaha
Operational Overview by Business Segment
Kinerja Segmen Operasi Operating Segment Performance
Bank Ina mengklasifikasi segmen operasi berdasarkan jenis Bank Ina’s operating segments are classified by type of business
kegiatan usaha, meliputi pemasaran dan kredit, treasuri, dan activities, including marketing and loans, treasury, and trade
trade finance sebagai berikut. finance as follows.
(dalam jutaan Rupiah / in million Rupiah)
2022 2023
Pemasaran Pemasaran
Uraian dan Kredit Treasury Trade dan Kredit Treasury Trade Description
Total Total
Marketing Treasury Finance Marketing Treasury Finance
and Loans and Loans
Pendapatan
Pendapatan
676.314 482.776 13.660 1.172.750 1.168.862 547.891 9.852 1.726.605 Interest Income
Bunga
Pendapatan
Other Operating
Operasional 2.225 8.695 2.750 13.670 3.006 31.983 4.334 39.323
Income
Lainnya
Total Pendapatan 678.539 491.471 16.410 1.186.420 1.171.868 579.874 14.186 1.765.928 Total Income
Beban Expenses
Beban Bunga (610.636) (3.237) - (613.873) (1.002.121) (14.510) - (1.016.631) Interest Expenses
Beban
Other Operating
Operasional (100.316) (306) (56) (100.678) (106.051) (11.824) (60) (117.935)
Expenses
Lainnya
Total Beban (710.952) (3.543) (56) (714.551) (1.108.172) (26.334) (60) (1.134.566) Total Expenses
Pendapatan
Unallocated
yang tidak dapat - - - 16.563 - - - 19.914
Income
Dialokasikan
Beban yang
Unallocated
tidak dapat - - - (285.579) - - - (383.745)
Expenses
Dialokasikan
Laba Sebelum Income before
- - - 202.853 - - - 267.531
Pajak Tax Expenses
Beban Pajak
- - - (45.805) - - - (59.655) Tax Expenses
Penghasilan
Laba Bersih Tahun Net Income for
- - - 157.048 - - - 207.876
Berjalan the Year
Aset
Aset Segmen 9.536.042 10.429.118 280.085 20.245.245 12.382.079 11.517.497 198.332 24.097.908 Segment assets
Aset yang
Unallocated
tidak dapat - - - 307.491 - - - 286.672
Assets
Dialokasikan
Total Aset - - - 20.552.736 - - - 24.384.580 Total Assets
Liabilitas Liabilities
Segment
Liabilitas Segmen 15.491.730 1.508.951 124.781 17.125.462 19.367.371 1.206.765 97.479 20.671.615
Liabilities
Liabilitas yang
Unallocated
tidak dapat - - - 139.186 - - - 156.807
Liabilities
Dialokasikan
Total Liabilitas - - - 17.264.648 - - - 20.828.422 Total Liabilities
PT Bank Ina Perdana Tbk
118 Laporan Tahunan 2023
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Segmen Pemasaran dan Kredit Marketing and Loans Segment
Segmen pemasaran dan kredit Bank Ina terdiri dari kegiatan Bank Ina’s marketing and loans segment consists of financing,
pendanaan, kredit, dan fee-based income, dengan penjelasan loans, and fee-based income activities, with the explanation as
sebagai berikut. follows.
1. Kegiatan pendanaan, meliputi tabungan, giro, dan deposito 1. Funding activities, including saving accounts, current
berjangka. accounts, and time deposits.
2. Kredit, terbagi menjadi kredit usaha mikro, usaha kecil 2. Loans, divided into micro business loans, small and medium
menengah (UKM), komersial/korporasi, dan kredit konsumtif. enterprises (SMEs), commercial/corporate, and consumer
Aktivitas tersebut kemudian terbagi dalam beberapa jenis loans. Such activities are then divided into several types of use
penggunaan yang mencakup pembiayaan modal kerja, which include financing for working capital, investment, and
investasi, dan konsumsi. consumption.
3. Fee-based income, diperoleh dari layanan payroll, layanan 3. Fee-based income, obtained from payroll services, tuition/
pembayaran uang sekolah/uang pendidikan, layanan education payment services, money withdrawal services
pengambilan uang dari institusi atau instansi tertentu, from certain institutions or agencies, transactions through
transaksi melalui ATM, bancassurance, dan layanan ATMs, bancassurance, as well as electricity and telephone bill
pembayaran tagihan rekening listrik dan telepon. payment services.
Kinerja segmen pemasaran dan kredit Bank diungkapkan sebagai The performance of the Bank’s marketing and loans segment is
berikut. disclosed in the following table.
(dalam jutaan Rupiah / in million Rupiah)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Pendapatan Bunga 676.314 1.168.862 492.548 72,83 Interest Income
Pendapatan Operasional Lainnya 2.225 3.006 781 35,10 Other Operation Income
Total Pendapatan 678.539 1.171.868 493.329 72,70 Income
Beban (710.952) (1.108.172) (397.220) 55,87 Expenses
Total Aset 9.536.042 12.382.079 2.846.037 29,85 Total Assets
Total Liabilitas 15.491.730 19.367.371 3.875.641 25,02 Total Liabilities
Pada tahun 2023, pendapatan Bank Ina dari segmen pemasaran In 2023, Bank Ina’s revenue from the marketing and credit
dan kredit tercatat sebesar Rp1,17 triliun, meningkat sebesar segment was recorded at Rp1.17 trillion, an increase of 72.70%
72,70% atau Rp493,32 miliar dibandingkan tahun sebelumnya or Rp493.32 billion compared to the previous year of Rp678.54
sebesar Rp678,54 miliar. Sementara itu, beban dari segmen ini billion. Meanwhile, expenses from this segment increased by
meningkat sebesar 55,87% atau Rp397,22 miliar, dari semula 55.87% or Rp397.22 billion, from the original Rp710.95 billion
Rp710,95 miliar menjadi Rp1,10 triliun. to Rp1.10 trillion.
Di sisi lain, total aset segmen pemasaran dan kredit mengalami On the other hand, total assets of the marketing and credit
peningkatan sebesar 29,85% atau Rp2,84 triliun dari Rp9,54 segment increased by 29.85% or Rp2.84 trillion from Rp9.54
triliun di tahun 2022 menjadi Rp12,38 triliun di tahun 2023. Total trillion in 2022 to Rp12.38 trillion in 2023. Total liabilities also
liabilitas juga meningkat menjadi Rp19,37 triliun, dari semula increased to Rp19.37 trillion, from Rp15.49 trillion.
Rp15,49 triliun.
Treasury dan Financial Institutions Treasury and Financial Institutions
Bank Ina mengelola posisi transaksi treasury secara bankwide. Bank Ina manages treasury transaction positions bankwide.
Aktivitas tersebut terbagi menjadi 2 kategori portofolio, yaitu These activities are divided into 2 portfolio categories, namely
trading book dan banking book. Kegiatan trading book terkait trading book and banking book. Trading book activities are
seluruh posisi perdagangan Bank pada instrumen keuangan related to all Bank trading positions in financial instruments
dalam neraca dan rekening administratif yang dimiliki untuk in balance sheets and administrative accounts held to obtain
memperoleh keuntungan dalam jangka pendek, sedangkan profits in the short term, while banking books are related to all
banking book terkait seluruh posisi yang ditujukan untuk positions intended for the benefit of fulfilling liquidity and optimal
kepentingan pemenuhan likuiditas serta pengelolaan aset dan management of assets and liabilities.
liabilitas secara optimal.
PT Bank Ina Perdana Tbk
2023 Annual Report 119
Page 122
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Aktivitas treasury,meliputi: Treasury activity, include:
1. Transasi Pasar Uang (Money Market), merupakan transaksi 1. Money Market Transactions, which are transactions of placing/
penempatan/peminjaman dana (call money) antar bank, borrowing funds (call money) between banks, transactions
transaksi dengan Bank Indonesia berupa Deposit Facility with Bank Indonesia in the form of Deposit Facility (FASBI),
(FASBI), Term Deposit, Reverse Repo dan Repo, Sekuritas Term Deposit, Reverse Repo and Repo, Bank Indonesia Rupiah
Rupiah Bank Indonesia, dan Sekuritas Valas Bank Indonesia; Securities, and Bank Indonesia Foreign Currency Securities;
serta and
2. Transaksi Valuta Asing (Foreign Exchange), merupakan 2. Foreign Exchange Transactions, which are hedging,
transaksi lindung nilai (hedging), investasi, dan trading, baik investment, and trading transactions, both for Bank positions
untuk posisi Bank ataupun posisi nasabah. Produk Valuta and customer positions. Foreign currency products transacted
Asing yang ditransaksikan meliputi Transaksi Today, Tom, include Today, Tom, Spot, Forward, Swap and Domestic Non-
Spot, Forward, Swap, dan Domestic Non Delivery Forward. Delivery Forward transactions. Apart from foreign exchange
Selain produk valas untuk hedging dan remittance, produk products for hedging and remittances, another active product
lain yang aktif adalah transaksi Bank Notes. is Bank Notes transactions.
3. Transaksi Fixed Income, yaitu transaksi surat-surat berharga 3. Fixed Income Transactions, which are securities transactions
baik yang diterbitkan oleh Pemerintah (Surat Berharga both issued by the Government (Government Securities) and
Negara) maupun yang diterbitkan oleh perusahaan (Obligasi those issued by companies (Corporate Bonds), aiming to meet
Korporasi) yang bertujuan untuk kebutuhan pemenuhan Rasio the needs of Macroprudential Intermediation Ratio (RIM),
Intermediasi Makroprudential (RIM), Rasio Pembiayan Inklusif Macroprudential Inclusive Financing Ratio (RPIM), and profit
Makroprudential (RPIM), serta optimalisasi laba. Transaksi optimization. Retail Customers can also make transactions of
Surat Berharga Negara juga dapat ditransaksikan oleh Government Securities transactions starting in 2021 on the
Nasabah Retail sejak 2021 pada pasar sekunder (secondary secondary market.
market).
Kinerja segmen treasury Bank diungkapkan sebagai berikut. The Bank’s treasury segment performance is disclosed as follows.
Aktivitas Financial Institutions, meliputi: Financial Institutions activities, including:
1. Pembukaan Rekening Nostro pada Bank-bank lain di dalam 1. Opening a Nostro Account at other banks domestically/
luar negeri yang meliputi mata uang: USD, EUR, GBP, JPY, overseas, which includes currencies: USD, EUR, GBP, JPY,
HKD, SGD, AUD, CNY di BNI New York, BRI New York, BNI HKD, SGD, AUD, CNY at BNI New York, BRI New York, BNI
London, BNI Tokyo, BNI Hong Kong, DBS Singapore, ANZ London, BNI Tokyo, BNI Hong Kong, DBS Singapore, ANZ
Melbourne, Mandiri Shanghai, dan khusus Nostro USD di Melbourne, Mandiri Shanghai, and specifically Nostro USD
dalam negeri pada BCA Direct Settlement dan Mandiri Direct domestically at BCA Direct Settlement and Mandiri Direct
Settlement. Settlement.
2. Menganalisa dan membuka Counterparty Limit pada 2. Analyzing and opening Counterparty Limit at banks and other
bank-bank dan institusi keuangan non-bank lainnya, serta non-bank financial institutions, as well as conducting regular
melakukan review berkala atas limit-limit tersebut. reviews of these limits.
(dalam jutaan Rupiah / in million Rupiah)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Pendapatan Bunga 482.776 547.891 65.115 13,49 Interest Income
Pendapatan Selain Bunga 8.695 31.983 23.288 267,83 Fee Based Income
Total Pendapatan 491.471 579.874 88.403 17,99 Income
Beban (3.543) (26.334) (22.791) 643,27 Expenses
Total Aset 10.429.118 11.517.497 1.088.379 10,44 Total Assets
Total Liabilitas 1.508.951 1.206.765 (302.186) (20,03) Total Liabilities
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120 Laporan Tahunan 2023
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Pada tahun 2023, pendapatan Bank Ina dari segmen treasury In 2023, Bank Ina’s revenue from the treasury segment was
tercatat sebesar Rp579,87 miliar, meningkat sebesar 17,99% recorded at Rp579.87 billion, an increase of 17.99% or RP88.40
atau Rp88,40 miliar dibandingkan tahun sebelumnya sebesar billion compared to the previous year of Rp491.47 billion.
Rp491,47 miliar. Sementara itu, beban dari segmen ini meningkat Meanwhile, expenses from this segment increased by 643.27%
sebesar 643,27% atau Rp22,79 miliar, dari semula Rp3,54 miliar or Rp22.79 billion, from the original Rp3.54 billion to Rp26.33
menjadi Rp26,33 miliar. billion.
Di sisi lain, total aset segmen treasuri mengalami peningkatan On the other hand, total assets of the treasury segment increased
sebesar 10,44% atau Rp1,08 triliun, dari Rp10,43 triliun di tahun by 10.44% or Rp1.08 trillion, from Rp10.43 trillion in 2022 to
2022 menjadi Rp11,52 triliun di tahun 2023, sedangkan total Rp11.52 trillion in 2023, while total liabilities decreased to Rp1.21
liabilitas menurun menjadi Rp1,21 triliun dari semula Rp1,51 trillion from the original Rp1.51 trillion.
triliun.
Segmen Trade Finance Trade Finance Segment
Kinerja segmen trade finance Bank diungkapkan sebagai berikut. The performance of the Bank’s trade finance segment is disclosed
in the following table.
(dalam jutaan Rupiah / in million Rupiah)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Pendapatan Bunga 13.660 9.852 (3.808) (27,88) Interest Income
Pendapatan Operasional Lainnya 2.750 4.334 1.584 57,60 Other Operation Income
Total Pendapatan 16.410 14.186 (2.224) (13,55) Income
Beban (56) (60) (4) 7,14 Expenses
Total Aset 280.085 198.332 (81.753) (29,19) Total Assets
Total Liabilitas 124.781 97.479 (27.302) (21,88) Total Liabilities
Pada tahun 2023, pendapatan Bank Ina dari segmen trade finance In 2023, Bank Ina’s revenue from the trade finance segment
tercatat sebesar Rp14,19 miliar, menurun sebesar 13,55% atau was recorded at Rp14.19 billion, decreasing by 13.55% or
Rp2,22 miliar dibandingkan tahun sebelumnya sebesar Rp16,41 Rp2.22 billion compared to the previous year of Rp16.41 billion.
miliar. Sementara itu, beban dari segmen ini meningkat sebesar Meanwhile, expenses from this segment increased by 7.14% or
7,14% atau Rp4 juta, dari semula Rp56 juta menjadi Rp60 juta. Rp4 million, from the original Rp56 million to Rp60 million.
Di sisi lain, total aset segmen trade finance mengalami penurunan On the other hand, the total assets of the trade finance segment
sebesar 29,19% atau Rp81,75 miliar, dari Rp280,09 miliar di tahun decreased by 29.19% or Rp81.75 billion, from Rp280.09 billion in
2022 menjadi Rp198,33 miliar di tahun 2023. Total liabilitas juga 2022 to Rp198.33 billion in 2023. Total liabilities also decreased
menurun menjadi Rp97,48 miliar dari semula Rp124,78 miliar. to Rp97.48 billion from Rp124.78 billion.
PT Bank Ina Perdana Tbk
2023 Annual Report 121
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Aspek Pemasaran
Marketing Aspect
Strategi Pemasaran Marketing Strategy
Bank Ina telah mengembangkan strategi pemasaran guna Bank Ina has developed a marketing strategy to increase sales
meningkatkan penjualan produk dan pelayanan Bank. Strategi of the Bank’s products and services. The marketing strategies
pemasaran yang dijalankan di sepanjang tahun 2023, meliputi: implemented throughout 2023 included:
1. Meningkatkan pertumbuhan jaringan kantor baru serta 1. Increasing the growth of new office networks and optimizing
mengoptimalkan bisnis dari kantor cabang yang sudah ada the business of existing branch offices to increase customer
untuk meningkatkan pertumbuhan nasabah, pertumbuhan growth, funding growth with controlled cost of funds
pendanaan dengan biaya dana (COF) yang terkendali, serta (COF), and healthy financing growth. All potential market
pertumbuhan pembiayaan yang sehat. Seluruh potensi segments will be optimized to increase the business growth
segmen pasar akan dioptimalisasikan untuk meningkatkan of each branch network to increase mutual growth between
pertumbuhan bisnis dari setiap jaringan kantor cabang customers and the Bank;
sehingga dapat meningkatkan pertumbuhan bersama antara
nasabah dan Bank;
2. Mengoptimalisasi pertumbuhan pendanaan nasabah ritel 2. Optimizing retail customer funding growth by collaborating
dengan melakukan kolaborasi ekosistem, antara lain melalui: with ecosystems, among others through:
a. Nasabah komuniti dan payroll yang ada di dalam
ekosistem grup, nasabah lending, dan nasabah korporasi a. Community and payroll customers within the group’s
yang didukung oleh internet banking untuk membantu ecosystem, lending customers, and corporate customers
kemudahan nasabah dalam layanan perbankan lainnya; supported by internet banking to assist customers’
dan convenience in other banking services; and
b. Nasabah yang terhubung dengan ekosistem baik sebagai b. Customers who are connected to the ecosystem either as
buyer atau supplier; buyers or suppliers;
3. Mendukung pertumbuhan berkelanjutan lewat program 3. Supporting sustainable growth through Tabina Green
Tabina Green Banking yang memberikan nilai tambah Banking program that provides added value based on zero
berbasis zero emisi karbon, seperti mobil atau motor listrik, carbon emission, such as electric cars or motorcycles, solar
solar panel untuk nasabah; panels for customers;
4. Melakukan kerja sama dengan penyedia platform untuk 4. Collaborating with platform providers to distribute Digital
penyaluran Pinjaman Digital kepada UMKM; Loans to MSMEs;
5. Melakukan kerja sama dengan Peer to Peer Lending dan 5. Collaborating with Peer-to-Peer Lending and Venture Capital
Venture Capital untuk meningkatkan penyebaran kredit to increase the spread of micro business loans;
usaha mikro;
6. Melanjutkan potensi kerja sama dengan mitra kerja sama 6. Continuing potential cooperation with partners in payment
pembayaran melalui virtual account, mesin EDC, merchant cooperation through virtual accounts, EDC machines, QRIS
QRIS, serta penyelenggaraan internet banking dan mobile merchants, as well as the implementation of internet banking
banking; and mobile banking;
7. Membangun strategi corporate & retail marketing 7. Building a corporate & retail marketing communications
communications, melalui: strategy, through:
a. Pembaharuan dari feel & look pada semua bank touch a. Updating feel & look at all bank touch points for
points untuk sosialisasi Bank Ina members of Salim Group; dissemination of Bank Ina members of Salim Group;
b. Melakukan promosi pemasaran digital melalui media b. Conducting digital marketing promotions via social media
sosial (Facebook dan Instagram) serta melengkapi (Facebook and Instagram) and completing information
informasi berbagai produk dan layanan pada situs web on various products and services on the Bank’s website
Bank (bankina.co.id); (bankina.co.id);
c. Melakukan aktivitas promosi baik, online maupun offline c. Carrying out promotional activities both online and offline
sebagai media branding untuk meningkatkan awareness as branding media to increase awareness of the Bank and
terhadap Bank dan program-programnya; its programs;
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8. Membangun brand awareness & digital marketing 8. Building brand awareness & digital marketing communications,
communications, melalui: through:
a. Menyelenggarakan launching layanan digital; a. Organizing the launch of digital services;
b. Melakukan aktivitas edukasi dan promosi secara online b. Carrying out educational and promotional activities online
maupun offline ke komunitas-komunitas UMKM; dan and offline to MSME communities; and
c. Melakukan promosi pemasaran digital melalui media c. Carrying out digital marketing promotions through
sosial, seperti Facebook, Instagram, Tiktok, dan Youtube, social media, such as Facebook, Instagram, Tiktok, and
serta melengkapi informasi produk dan layanan digital YouTube, as well as completing digital product and
pada situs web binadigital.id. service information on the binadigital.id website.
9. Melanjutkan pertumbuhan akuisisi tenaga pemasaran untuk 9. Continuing the growth of sales force acquisition for several
beberapa kantor cabang dan sales performance tracking branches and sales performance tracking to measure
untuk mengukur kinerja pencapaian; achievement performance;
10. Mengadakan kerja sama alih daya pekerjaan dengan 10. Organizing outsourcing cooperation with service provider
perusahaan penyedia jasa untuk melakukan pemasaran (direct companies to conduct direct sales to expand the Bank’s
sales) dalam rangka memperluas jangkauan pemasaran dan marketing reach and business growth; and
pertumbuhan bisnis Bank; dan
11. Menyelenggarakan kegiatan literasi dan inklusi keuangan 11. Organizing financial literacy and inclusion activities for the
untuk masyarakat, baik yang dilakukan secara nasional community, both nationally with the Financial Services
bersama Otoritas Jasa Keuangan maupun secara internal Bank. Authority and internally within the Bank.
Pangsa Pasar Market Share
Data pangsa pasar yang disajikan dalam Laporan Tahunan ini The market share data presented in this Annual Report is Bank
merupakan pangsa pasar Bank Ina dengan industri perbankan dan Ina’s market share with the banking industry and bank groups
kelompok bank berdasarkan modal inti (KBMI) I (kelompok bank based on core capital (KBMI) I (commercial bank groups with a
umum dengan modal inti minimum Rp6 triliun). Kondisi pangsa minimum core capital of Rp6 trillion). The condition of the Bank’s
pasar Bank dalam 2 tahun terakhir diungkapkan sebagai berikut. market share in the past 2 years is disclosed as follows.
Kinerja Bank Ina Perdana Dibanding Rata-Rata Industri Perbankan
Performance of Bank Ina Perdana Compared to Banking Industry Average
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion of Rupiah, unless stated otherwise)
2022 2023
Uraian Pangsa Pasar Pangsa Pasar Description
Bank Ina Industri Bank Ina Industri
Market Share Market Share
Perdana Industry Perdana Industry
(%) (%)
Aset 20.553 11.113.321 0,18 24.384 11.765.838 0,21 Assets
Kredit 9.749 6.497.620 0,15 12.677 7.186.935 0,18 Loans
Dana Pihak Ketiga 15.463 8.153.590 0,19 19.315 8.457.929 0,23 Thirt-Party Funds
Kinerja Bank Ina Perdana Dibanding Rata-Rata KBMI I
Performance of Bank Ina Perdana Compared to KBMI I Average
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion of Rupiah, unless stated otherwise)
2022 2023
Uraian Pangsa Pasar Pangsa Pasar Description
Bank Ina Industri Bank Ina Industri
Market Share Market Share
Perdana Industry Perdana Industry
(%) (%)
Aset 20.553 1.436.185 1,43 24.384 1.377.863 1,77 Assets
Kredit 9.749 772.695 1,26 12.677 754.649 1,68 Loans
Dana Pihak Ketiga 15.463 989.871 1,56 19.315 918.307 2,10 Thirt-Party Funds
Sumber / Source:
Statistik Perbankan Indonesia Desember 2023.
Indonesian Banking Statistics December 2023.
PT Bank Ina Perdana Tbk
2023 Annual Report 123
Page 126
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Keuangan
Financial Overview
Analisis dan pembahasan kinerja keuangan berikut The analysis and discussion of financial performance is prepared
disusun berdasarkan informasi dari Laporan Keuangan based on information from the Financial Statements of
PT Bank Ina Perdana Tbk yang berakhir pada tanggal 31 Desember PT Bank Ina Perdana Tbk for the year ended December 31, 2023,
2023 dan telah diaudit oleh Kantor Akuntan Publik Purwantono, and has been audited by Public Accounting Firm Purwantono,
Sungkoro & Surya, firma anggota Ernst & Young Global Limited Sungkoro & Surya, an Ernst & Young Global Limited member
dan memperoleh opini audit tanpa modifikasian, terdiri dari firm, rendering unqualified opinion, consisting of a Statement of
Laporan Posisi Keuangan tanggal 31 Desember 2023, Laporan Financial Position as of December 31, 2023, a Statement of Profit
Laba Rugi dan Penghasilan Komprehensif Lain, Laporan Perubahan or Loss and Other Comprehensive Income, a Report on Changes
Ekuitas, serta Laporan Arus Kas untuk tahun yang berakhir pada in Equity, and a Statement of Cash Flows for the year ended on
tanggal tersebut, sesuai dengan Standar Akuntansi Keuangan that date, in accordance with Indonesian Financial Accounting
Indonesia. Standards.
Laporan Laba Rugi dan Penghasilan Statement of Profit or Loss and Other
Komprehensif Lain Comprehensive Income
Laba Bersih dan Laba per Saham
Net Income and Earnings per Share
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Pendapatan Bunga 1.172.750 1.726.605 553.855 47,23 Interest Income
Beban Pendapatan (613.873) (1.016.631) 402.758 65,61 Interest Expense
Pendapatan Bunga - Neto 558.877 709.974 151.097 27,04 Interest Income - Net
Pendapatan Operasional Lainnya 30.233 59.237 29.004 95,93 Other Operating Income
Beban Operasional Lainnya (386.257) (501.680) 336.089 87,01 Other Operating Expense
Laba Sebelum Beban Pajak 202.853 267.531 64.678 31,88 Income Before Tax Expense
Beban Pajak - Neto (45.805) (59.655) 13.850 30,24 Tax Expense - Net
Laba Bersih Tahun Berjalan 157.048 207.876 50.828 32,36 Net Income for the Year
Pos-Pos yang tidak akan Items not to be Reclassified to
200 (1.094) (1.294) (647)
Direklasifikasi ke Laba Rugi Profit or Loss
Pos-Pos yang akan Direklasifikasi Items to be Reclassified to
(37.543) 61.288 98.831 263,25
ke Laba Rugi Profit or Loss
Pendapatan (Beban)
Other Comprehensive Loss
Komprehensif Lainnya Tahun (37.343) 60.194 97.537 261,19
(Income) - Net of Tax
Berjalan - Setelah Pajak
Total (Rugi) Penghasilan Total Comprehensive (Loss)
119.705 268.070 148.365 123,94
Komprehensif Tahun Berjalan Income for the Year
Laba bersih tahun berjalan pada akhir tahun 2023 sebesar Rp207,88 Net income for the year at the end of 2023 amounted to Rp207.88
miliar, meningkat 32,36% dibandingkan dengan tahun buku 2022 billion, an increase of 32.36% compared to the 2022 financial
sebesar Rp157,05 miliar. Jumlah rata-rata tertimbang saham pada year of Rp157.05 billion. The weighted average number of shares
akhir Desember 2023 adalah 6.134.716.665 lembar sehingga laba at the end of December 2023 is 6,134,716,665 shares, resulting
bersih per saham (earnings per share/EPS) mengalami peningkatan in earnings per share (EPS) increasing from Rp26.43 per share in
dari Rp26,45 per lembar saham pada tahun 2022 menjadi Rp33,89 2022 to Rp33.89 per share in 2023.
per lembar saham pada tahun 2023.
PT Bank Ina Perdana Tbk
124 Laporan Tahunan 2023
Page 127
Pendapatan (Beban) Komprehensif Lainnya Other Comprehensive Income (Loss) - Net of
Tahun Berjalan - Setelah Pajak dan Total (Rugi) Tax and Total Comprehensive (Loss) Income for
Penghasilan Komprehensif Tahun Berjalan the Year
Pendapatan komprehensif lainnya tahun berjalan - setelah Other comprehensive income for the year – net of tax in 2023
pajak pada tahun 2023 mencapai Rp60,19 miliar, berbanding reached Rp60.19 billion, compared to the expense of Rp37.34
terbalik dibandingkan tahun 2022 yang tercatat beban sebesar billion in 2022. On the other hand, the remeasurement of
Rp37,34 miliar. Di sisi lain, pos pengukuran kembali atas liabilitas employee benefits liabilities in other comprehensive income
imbalan kerja dalam penghasilan (beban) komprehensif lain (expense) for the group that was not reclassified to the income
untuk kelompok yang tidak direklasifikasi ke Laporan Laba Rugi statement decreased by 647% to a loss of Rp1.29 billion at the
menurun 647% atau menjadi rugi Rp1,29 miliar pada akhir tahun end of 2023. Meanwhile, in the items that will be reclassified to
2023. Sementara itu, pada pos-pos yang akan direklasifikasi ke the income statement there are unrealized gains on the changes
Laporan Laba Rugi terdapat keuntungan yang belum direalisasi in the fair value of available-for-sale securities at Rp61.29 billion
atas perubahan nilai wajar efek-efek yang tersedia untuk dijual from the previous year, which amounted to a loss of Rp37.54
sebesar Rp61,29 miliar dari tahun sebelumnya yang rugi sebesar billion. Thus, the total comprehensive income was recorded at
Rp37,54 miliar. Dengan demikian, total penghasilan komprehensif Rp268.07 billion, increase from a profit of Rp119.71 billion in
tahun berjalan tercatat sebesar Rp268,07 miliar, meningkat dari 2022.
tahun 2022 yang untung sebesar Rp119,71 miliar.
Pendapatan Bunga - Neto
Interest Income – Net
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Pendapatan Bunga Interest Income
Kredit 676.315 1.168.862 492.547 72,83 Loans
Efek-Efek 328.710 279.133 (49.577) (15,08) Marketable Securities
Penempatan pada Bank Placement with Bank
87.907 104.034 16.127 18,35
Indonesia dan Bank Lain Indonesia and Other Banks
Giro pada Bank Indonesia dan Current Accounts with Bank
8.362 12.191 3.829 45,79
Bank Lain Indonesia and Other Banks
Tagihan Anjak Piutang 13.659 9.852 (3.807) (27,87) Factoring Receivables
Efek-Efek yang Dibeli dengan Securities Purchased Under
57.797 152.533 94.736 163,91
Janji Dijual Kembali Resale Agreements
Total Pendapatan Bunga 1.172.750 1.726.605 553.855 47,23 Total Interest Income
Beban Bunga Interest Expense
Simpanan dari Nasabah 574.650 960.402 385.752 67,13 Deposits from Customers
Simpanan dari Bank Lain 2.255 13.595 11.340 502,88 Deposits from Other Banks
Premi Lembaga Penjamin Deposit Insurance Agency
30.993 37.722 6.729 21,71
Nasabah Premium
Lain-Lain 5.975 4.912 (1.063) (17,79) Others
Total Beban Bunga 613.873 1.016.631 402.758 65,61 Total Interest Expense
Total Pendapatan Bunga -
558.877 709.974 151.097 27,04 Total Interest Income - Net
Neto
Pendapatan bunga - neto tercatat meningkat sebesar 27,04% Interest Income - net recorded an increase of 27.04% to Rp709.97
menjadi Rp709,97 miliar pada tahun 2023 dibandingkan periode billion in 2023 compared to the same period in the previous year
yang sama di tahun sebelumnya sebesar Rp558,88 miliar. Hal ini amounting to Rp558.88 billion. This is mainly due to an increase
terutama karena peningkatan pendapatan bunga dari penyaluran in interest income from lending and placement of marketable
kredit dan penempatan surat berharga. securities.
Pendapatan Bunga Interest Income
Pendapatan bunga pada tahun 2023 meningkat sebesar Interest income in 2023 increased by 47.23% or Rp553.86 billion
47,23% atau Rp553,86 miliar menjadi Rp1,73 triliun, dari tahun to Rp 1.73 billion from the previous year, which amounted to Rp
sebelumnya yang sebesar Rp1,17 triliun. Pendapatan bunga 1.17 trillion. Interest income from loans contributed to 67.13%
kredit berkontribusi 67,13% terhadap total pendapatan bunga. of total interest income. Meanwhile, placements in marketable
PT Bank Ina Perdana Tbk
2023 Annual Report 125
Page 128
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Sementara itu, penempatan dalam efek-efek serta penempatan securities and placements with Bank Indonesia and other banks
pada Bank Indonesia dan Bank lain masing-masing memberikan contributed to 16.11% and 6.01% of the Bank’s total interest
kontribusi sebesar 16,11% dan 6,01% dari total pendapatan income.
bunga Bank.
Pendapatan bunga kredit tahun 2023 sebesar Rp1,17 triliun, Loan interest income in 2023 amounted to Rp1.17 trillion,
mengalami peningkatan sebesar 72,83% dari tahun sebelumnya increasing 72.83% from the previous year amount of Rp 676.32
sebesar Rp676,32 miliar. Sementara itu, pendapatan bunga billion. Meanwhile, interest income from securities in 2023
dari efek-efek tahun 2023 sebesar Rp279,13 miliar, mengalami amounted to Rp279.13 billion, a decrease of 15.08% compared
penurunan sebesar 15,08% dibandingkan dengan tahun 2022 to 2022, which amounted to Rp328.71 billion. This change was
sebesar Rp328,71 miliar. Kenaikan ini disebabkan oleh perubahan due to the decrease in the changes of both government and
jumlah surat berharga obligasi sepanjang tahun 2023. corporate bonds throughout 2023.
Pendapatan bunga dari penempatan pada Bank Indonesia dan Interest income from placements with Bank Indonesia and Other
Bank Lain di tahun 2023 sebesar Rp104,03 miliar, mengalami Banks in 2023 amounted to Rp104.03 billion, an increase of
kenaikan sebesar 18,35% dibandingkan dengan tahun 2022 18.35% compared to 2022, amounted to Rp87.91 billion.
sebesar Rp87,91 miliar.
Beban Bunga Interest Expense
Pada tahun 2023, beban bunga tercatat sebesar Rp1,02 triliun, In 2023, interest expense was recorded at Rp1.02 trillion, an
mengalami peningkatan sebesar Rp402,76 miliar atau 65,61% increase of Rp402.76 billion or 65,61% compared to 2022,
dibandingkan dengan tahun 2022 sebesar Rp613,87 miliar. Hal amounted to Rp613.87 billion. This was due to the increase in the
ini karena meningkatnya jumlah simpanan nasabah dalam bentuk amount of current accounts and customer deposits.
giro dan deposito.
Beban bunga yang dibayarkan Bank untuk simpanan nasabah The interest expense paid by the Bank for customer deposits
mengalami peningkatan sebesar Rp385,75 miliar atau 67,13%, increased by Rp385.75 billion or 67.13% compared to 2022,
dari Rp574,65 miliar pada tahun 2022 menjadi Rp960,40 miliar from Rp574.65 billion in 2022 to Rp960.40 billion in 2023. Along
pada tahun 2023. Seiring dengan peningkatan jumlah simpanan with the increase in customer deposits, the government guarantee
nasabah, maka beban bunga premi penjaminan pemerintah juga premium interest expense also increased by Rp6.73 billion or
mengalami peningkatan sebesar Rp6,73 miliar atau 21,71% 21.71% to Rp37.72 billion in 2023, compared to the amount in
menjadi Rp37,72 miliar di tahun 2023, dibandingkan tahun 2022 2022 was Rp31.00 billion.
sebesar Rp31,00 miliar.
Sementara itu, beban bunga yang dibayarkan untuk simpanan Meanwhile, interest expense paid for deposits from other banks
dari bank lain tercatat mengalami peningkatan, dari Rp2,26 miliar experienced an increase, from Rp2.26 billion in 2022 to Rp13.60
pada tahun 2022 menjadi Rp13,60 miliar pada tahun 2023. billion in 2023.
Komposisi Pendapatan Bunga
Composition of Interest Income
7,49% 0,71%
Kredit / Loans
Efek-Efek / Marketable Securities
Penempatan pada Bank Indonesia dan Bank Lain /
58,85% Placement with Bank Indonesia and Other Banks
32,95%
Giro pada Bank Indonesia dan Bank Lain /
Current Accounts with Bank Indonesia and Other Banks
PT Bank Ina Perdana Tbk
126 Laporan Tahunan 2023
Page 129
Komposisi Beban Bunga
Composition of Interest Expense
0,61%
5,07%
0,37%
Simpanan dari Nasabah / Deposits from Customers
Simpanan dari Bank Lain / Deposits from Other Banks
Premi Lembaga Penjamin Nasabah /
Deposit Insurance Agency Premium
Lain-Lain / Others
93,96%
Pendapatan Operasional Selain Bunga
Operating Income in Addition to Interest
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Provisi dan Komisi Bersih 3.927 6.163 2.236 56,94 Fees and Commissions
Keuntungan Penjualan Efek-Efek Gains on Sale of Market-
yang Diklasifikasikan Tersedia able Securities Classified as
9.380 24.667 15.287 162,97
untuk Dijual dan Dimiliki untuk Available for Sale and Held for
Diperdagangkan Trading
Pendapatan Operasional Lainnya 16.926 28.407 11.481 67,83 Other Operating Income
Pendapatan Operasional Total Operating Income in
30.233 59.237 29.001 95,93
Selain Bunga Addition to Interest
Pendapatan operasional selain bunga pada tahun 2023 tercatat Operating income in addition to interest in 2023 was recorded
sebesar Rp59,24 miliar, naik 95,93% atau Rp29 miliar dibanding at Rp59.24 billion, up 95.93% or Rp29 billion compared to 2022
tahun 2022 sebesar Rp30,23 miliar. Pada tahun 2023, porsi was recorded at Rp30.23 billion. In 2023, the portion of other
pendapatan operasional lainnya sebesar 67,83% dari total operating income was 67.83% of total operating income in
pendapatan operasional selain bunga, menurun dibandingkan addition to interest, a decrease compared to the previous year’s
realisasi tahun sebelumnya yang sebesar 47,95%. Sementara realization of 47.95%. Meanwhile, net fees and commissions
itu, pendapatan provisi dan komisi bersih berkontribusi sebesar contributed to 10.40% of total operating income in addition to
10,40% terhadap total pendapatan operasional selain bunga. interest.
Beban Operasional Lainnya
Other Operating Expenses
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Penyisihan Kerugian Penurunan Provision for Impairment
100.678 117.937 17.259 17,14
Nilai Losses
Beban Tenaga Kerja 153.658 219.809 66.151 43,05 Personnel Expenses
General and Administra-tive
Beban Umum dan Administrasi 120.447 150.748 30.301 25,16
Expenses
Beban Lain-Lain 11.474 13.186 1.712 14,92 Other Expenses
Total Beban Operasional Total Other Operating
386.257 501.680 115.423 29,88
Lainnya Expenses
PT Bank Ina Perdana Tbk
2023 Annual Report 127
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Beban operasional pada tahun 2023 tercatat sebesar Rp501,68 Operating expenses in 2023 were recorded at Rp501.68 billion,
miliar, meningkat Rp115,42 miliar atau 29,88% dibandingkan an increase of Rp115.42 billion or 29.88% compared to the
periode tahun sebelumnya sebesar Rp386,26 miliar. Hal ini previous year amounted to Rp386.26 billion. This was mainly
terutama dikarenakan adanya penambahan sumber daya manusia due to the new hiring of human capital resources, the opening
(SDM) baru, pembukaan kantor baru, penambahan infrastruktur, of new offices, the addition of infrastructure, and network costs
dan biaya jaringan sehubungan relokasi kantor pusat serta biaya related to head office relocation and promotional costs intended
promosi yang ditujukan untuk meningkatkan branding Bank for improving Bank branding to the public.
kepada masyarakat.
Beban Cadangan Kerugian Penurunan Nilai (CKPN) atas Aset Keuangan
Allowance for Impairment Losses (CKPN) of Financial Assets Expenses
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Saldo Awal Dampak Penerapan Beginning Balance Impact of
143.179 237.567 94.388 65,92
PSAK 71 PSAK 71
Pengukuran Kembali Bersih Net Remeasurement of
11.858 92.293 80.435 678,32
Penyisihan Kerugian Allowance
Aset Keuangan Baru yang New Financial Assets Issued or
87.755 38.392 (49.363) (56,25)
Diterbitkan atau Dibeli Purchased
Aset Keuangan yang Dihentikan
(5.075) (27.207) (22.132) 436,10 Financial Assets Derec-ognized
Pengakuannya
Aset Keuangan yang Dihapus
(338) (5.854) (5.516) 1.631,95 Financial Assets Written Off
Buku
Selisih Kurs dan Perubahan Foreign Exchange and Other
188 38 (150) (79,79)
Lainnya Movements
Saldo Akhir 237.567 335.229 97.662 41,11 Ending Balance
Cadangan kerugian penurunan nilai (CKPN) aset keuangan yang telah Reserves of impairment losses (CKPN) of financial assets that have
dibentuk pada tahun 2023 adalah Rp335,23 miliar, meningkat 41,11% been set aside in 2023 amounts to Rp335.23 billion, increasing
dibanding tahun 2022 yang sebesar Rp237,57 miliar. Peningkatan 41.11% compared to 2022, which amounted to Rp237.57 billion.
pembentukan beban kerugian penurunan nilai ini sejalan dengan The increase in the reserves for impairment loss expense is in line
prinsip kehati-hatian yang dilakukan Bank untuk mengantisipasi risiko with the prudential principle carried out by the Bank to anticipate
kredit bermasalah. Dengan menerapkan metode penghitungan CKPN, occurrence of non-performing loans. By applying calculations for
Bank melakukan pembentukan beban cadangan kerugian penurunan CKPN, the Bank established an allowance for impairment losses in
nilai tahun 2023 sebesar Rp117,94 miliar. 2023 of Rp117.94 billion.
Laporan Posisi Keuangan Statement of Financial Position
Total Aset
Total Assets
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Kas 99.128 71.563 (27.565) (27,81) Cash
Current Account
Giro pada Bank Indonesia 1.391.514 1.600.005 208.491 14,98
with Bank Indonesia
Current Account
Giro pada Bank Lain 177.179 178.893 1.714 0,96
with Other Banks
Penempatan pada Bank Placement with Bank
2.840.696 3.172.485 331.789 10,46
Indonesia dan Bank Lain Indonesia and Other Banks
Efek-Efek (Bersih) 5.099.108 4.369.596 (729.512) (16,70) Securities (Net)
Efek-Efek yang Dibeli dengan Securities Purchased with
863.159 2.146.197 1.283.038 148,64
Janji Dijual Kembali Notes for Resale
PT Bank Ina Perdana Tbk
128 Laporan Tahunan 2023
Page 131
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Kredit yang Diberikan (Bersih) 9.511.678 12.341.957 2.830.279 29,76 Loans Disbursed (Net)
Tagihan Akseptasi 113.326 93.020 20.306 17,92 Acceptance Receivables
Tagihan Derivatif 783 1.471 688 87,87 Derivative Receivables
Piutang Bunga 81.042 88.972 7.930 9,79 Interest Receivables
Beban Dibayar Dimuka 8.994 7.984 (1.010) (11,23) Prepaid Expenses
Aset Pajak Tangguhan - Neto 44.907 32.717 (12.190) (27,14) Deferred Tax assets - net
Aset Tetap dan Aset Hak Guna Fixed Assets and Right of use
102.000 121.058 19.058 18,68
- Neto Assets - Net
Aset Lain-Lain 219.222 158.662 (60.560) (27,62) Other Assets
Total Aset 20.552.736 24.384.580 3.831.844 18,64 Total Assets
Total aset Bank Ina per akhir Desember 2023 adalah Rp24,38 The total assets of Bank Ina as of the end of December 2023 were
triliun, tumbuh 18,64% dari posisi akhir tahun 2022 sebesar Rp24.38 trillion, which increased by 18.64% from the end of 2022
Rp20,55 triliun. Komposisi terbesar total aset Bank Ina pada which amounted to Rp20.55 trillion. The largest composition of
tahun 2023 adalah kredit yang diberikan sebesar Rp12,34 triliun, Bank Ina’s total assets in 2023 was loans amounting to Rp12.34
tumbuh 50,61% dari tahun sebelumnya. Untuk mengoptimalkan trillion, growing by 50.61% from the previous year’s amount.
pendapatan bunga dengan tetap menjaga likuiditasnya, Bank Ina To optimize interest income while maintaining liquidity, Bank Ina
juga melakukan penempatan pada surat berharga, penempatan also conducts placements in securities, placements with other
pada bank lain, dan penempatan pada Bank Indonesia sebagai banks and placements with Bank Indonesia as secondary reserves.
secondary reserves.
Kredit yang diberikan (bersih) mengalami peningkatan sebesar Loans (net) increased by 29.76% to Rp12.34 trillion in 2023 from
29,76% menjadi Rp12,34 triliun pada tahun 2023 dari Rp9,51 Rp9,511.68 billion in 2022. Investments in securities recorded a
triliun di tahun 2022. Investasi pada efek-efek mencatat decrease of 16.70%, up from Rp5.10 trillion in 2022 to Rp4.37
penurunan sebesar 16,70%, dari Rp5,10 triliun di tahun 2022 trillion in 2023. Meanwhile, placements with Bank Indonesia and
menjadi Rp4,37 triliun di tahun 2023. Sementara itu, penempatan other banks at the end of 2023 were recorded at Rp3.17 trillion,
pada Bank Indonesia dan bank lain pada akhir tahun 2023 up from Rp2.84 trillion in the previous year.
tercatat sebesar Rp3,17 triliun, meningkat dibandingkan tahun
sebelumnya yang sebesar Rp2,84 triliun.
Investasi pada Efek-Efek
Investment in Marketable Securities
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Obligasi Repo 963.833 253.955 (709.878) (73,65) Repo Bonds
Obligasi Reksa Dana 102.005 107.011 5.006 4,91 Mutual Funds
Obligasi Pemerintah 1.130.335 1.072.854 (57.481) (5,09) Government Bonds
Obligasi Korporasi 2.903.027 2.935.801 32.774 1,13 Corporate Bonds
Cadangan Kerugian Penurunan Allowance for Impair-ment
(92) (25) 67 (72,83)
Nilai Losses
Total 5.099.108 4.369.596 (729.512) (14,31) Total
Investasi pada efek-efek tercatat sebesar Rp4,37 triliun per akhir Investment in securities was recorded at Rp4.37 trillion at the end
tahun 2023, menurun 14,31% atau Rp729,51 miliar dari tahun of 2023, a decrease of 14.31% or Rp729.51 billion from 2022
2022 sebesar Rp5,10 triliun. Investasi pada obligasi pemerintah amounted to Rp5.10 trillion. Investment in government bonds
mencatat penurunan sebesar Rp57,48 miliar dan obligasi decrease by Rp57.48 billion and Investment in corporate bonds
korporasi mengalami peningkatan sebesar Rp32,77 miliar menjadi increase Rp32.77 billion to Rp2.94 trillion respectively.
Rp2,94 triliun.
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2023 Annual Report 129
Page 132
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Peningkatan efek-efek merupakan strategi pengelolaan likuiditas Bank The increase in marketable securities is the Bank’s liquidity
dengan mengalokasikan dana kepada aset-aset yang memberikan management strategy by allocating funds to assets that provide
imbal hasil yang lebih tinggi dengan risiko yang tetap terukur. higher returns with measurable risks.
Penempatan pada Bank Indonesia dan Bank Lain
Placements with Bank Indonesia and Other Banks
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Penempatan pada Bank Placements with Bank
2.790.755 1.643.162 (1.147.594) (41,12)
Indonesia Indonesia
Penempatan pada Bank Lain 50.000 1.530.000 1.480.000 2.960,00 Placements with Other Banks
Cadangan Kerugian Penurunan Allowance for Impair-ment
(59) (677) (618) (1.047,46)
Nilai Losses
Total 2.840.696 3.173.153 332.457 11,70 Total
Pada akhir tahun 2023, penempatan pada Bank Indonesia dan At the end of 2023, Placements with Bank Indonesia and Other
bank lain meningkat 11,68% menjadi Rp3,17 triliun dibandingkan Banks increase by 11.68% to Rp3.17 trillion compared to 2022
dengan tahun 2022 sebesar Rp2,84 triliun. Kondisi ini terutama amounted to Rp2.84 trillion. This condition was mainly influenced
dipengaruhi oleh meningkatnya penempatan pada lain sebesar by the increase in placements with other banks amounting to
Rp1,48 triliun. Rp1.48 trillion.
Kredit Loans
Kredit yang diberikan pada tahun 2023 mencapai Rp12,68 Loans disbursed in 2023 amounted to Rp12,68 triliun. This was
triliun. Jumlah tersebut meningkat 30,03% dibandingkan dengan an increase by 30.03% compared to the achievement in 2022 of
pencapaian di tahun 2022 sebesar Rp9,75 triliun. Rp9.75 triliun.
Kredit berdasarkan Jenis Penggunaan
Loans by Type
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Modal Kerja Working Capital
Pihak Berelasi 141.995 166.945 24.950 17,57 Related Party
Pihak Ketiga 6.441.782 7.187.733 745.951 11,58 Third Party
Dolar Amerika Serikat 52.471 34.636 (17.835) (33,99) US Dollars
Total Kredit Modal Kerja 6.636.248 7.389.314 753.066 11,35 Total Working Capital Loans
Investasi Investments
Pihak Berelasi - - - - Related Party
Pihak Ketiga 2.750.023 4.859.162 2.109.139 76,70 Third Party
Total Kredit Investasi 2.750.023 4.859.162 2.109.139 76,70 Total Investment Loans
Konsumsi Consumer
Pihak Berelasi 908 711 (197) (21,70) Related Party
Pihak Ketiga 362.066 427.999 65.933 18,21 Third Party
Total Kredit Konsumsi 362.974 428.710 65.933 18,11 Total Consumer Loans
Total Kredit 9.749.245 12.677.186 2.927.941 30,03 Total Loans
Berdasarkan jenis penggunaan, penyaluran kredit didominasi oleh According to type of use, loans was dominated by working capital
kredit modal kerja, yaitu sebesar Rp7,39 triliun, meningkat 11,35% loans, which amounted to Rp7.39 trillion, an increase of 11.35%
dari tahun 2022 yang sebesar Rp6,64 triliun. Kredit investasi juga from 2022, which amounted to Rp6.64 trillion. Investment loans
meningkat dari Rp2,75 triliun di tahun 2022 menjadi Rp4,86 triliun also increased from Rp2.75 trillion in 2022 to Rp4.86 trillion in
di tahun 2023, sedangkan kredit konsumsi tercatat meningkat 2023, while consumer loans recorded an increase of 18.11% to
18,11% menjadi Rp428,71 miliar di tahun 2023. Sementara itu, Rp428.71 billion in 2023. Meanwhile, the average annual interest
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130 Laporan Tahunan 2023
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tingkat suku bunga rata-rata per tahun untuk kredit modal kerja rate for working capital loans is 11.22%, while for investment
adalah 11,22%, sedangkan untuk kredit investasi dan kredit loans and consumer loans, they were 10.11% and 8.56%
konsumsi, masing-masing sebesar 10,11% dan 8,56%. respectively.
Kredit berdasarkan Sektor Ekonomi
Loans by Economic Sector
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Jasa-Jasa Dunia Usaha 1.234.470 1.821.239 586.769 47,53 Business Services
Perdagangan, Restoran, dan Trading, Restaurants, and
2.515.435 3.574.529 1.059.094 42,10
Hotel Hotels
Jasa-Jasa Sosial Kemasyarakatan 922.427 324.178 (598.249) (64,86) Public Services
Industri Pengolahan dan Processing and Manu-
1.773.555 2.549.930 776.375 43,78
Manufaktur facturing Industries
Pertambangan 382.098 959.221 577.123 151,04 Mining
Pertanian dan Perkebunan 809.539 921.315 111.776 13,81 Agriculture and Plan-tations
Transportasi, Pergudangan, dan Transportation, Ware-housing,
688.486 658.356 (30.130) (4,38)
Komunikasi and Commu-nications
Listrik, Gas, dan Air 180.283 241.302 61.019 33,85 Electricity, Gas, dan Water
Konstruksi 620.032 912.679 292.647 47,20 Construction
Lain-Lain 622.920 714.437 91.517 14,69 Others
Total Kredit 9.749.245 12.677.186 2.927.941 30,03 Total Loans
Sementara itu, apabila dilihat berdasarkan sektor ekonomi Meanwhile, based on the economic sector of loans disbursed
penyaluran kredit pada tahun 2023, kontribusi terbesar berasal in 2023, the largest contribution came from the the trading,
dari sektor perdagangan, restoran dan hotel sebesar 28,20%, restaurants and hotels sector by 28.20%, an increase from
meningkat dari tahun 2022 yang sebesar 25,80%. Sektor jasa- 2022 which amounted to 25.80%. The business services sector
jasa dunia usaha tercatat sebesar 14,37% dan sektor jasa-jasa accounted for 14.37% and the social services sector amounted
sosial kemasyarakatan sebesar 2,56%. to 2.56%.
Pada tahun 2023, sektor pertambangan serta sektor jasa-jasa In 2023, the mining sector as well as the business services sectors
usaha dunia mengalami peningkatan masing-masing 151,04% experienced an increase of 151.04% and 47.53% respectively
dan 47,53% menjadi Rp959,22 miliar dan Rp1,82 triliun, to Rp959.22 billion and Rp1.82 trillion, while the processing and
sedangkan sektor industri pengolahan dan manufaktur meningkat manufacturing industries sectors increased by 43.78% to Rp2.55
43,78% menjadi Rp2,55 triliun. trillion.
Kredit UMKM
MSME Loans
(dalam jutaan Rupiah / in million Rupiah)
405.888
Mikro / Micro
248.541
Kecil / Small
Menengah / Medium
2.031.257
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2023 Annual Report 131
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pada akhir tahun 2023, Bank Ina Perdana telah menyalurkan kredit At the end of 2023, Bank Ina Perdana had disbursed loans micro,
usaha mikro, kecil, dan menengah (UMKM) sebesar Rp2,69 triliun small and medium enterprises (MSME) amounting to Rp2.69 trillion
atau mencapai 21,19% dari total kredit yang diberikan, meningkat or 21.19% of the total loans disbursed, a decrease compared to
dibandingkan tahun sebelumnya sebesar Rp2,05 triliun. Pemberian the previous year amount of Rp2.05 trillion. Loans to the micro
kredit pada sektor usaha mikro dan menengah naik 111,15% dan and medium enterprises sector rose 111.15% and 18.92%
18,92% menjadi Rp248,54 miliar dan Rp2.03 trillion. Sementara respectively to Rp248.54 billion and Rp2.03 trillion. Meanwhile,
itu, pemberian kredit pada sektor usaha kecil mencapai Rp405,89 loans to the small business sector amounted to Rp405.89 billion,
miliar, naik 81,94% dari Rp223,09 miliar di tahun 2022. up 81.94% from Rp223.09 billion in 2022.
Kredit berdasarkan Kolektibilitas
Loans based on Collectability
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Lancar 9.509.514 11.654.847 2.145.333 22,56 Current
Dalam Perhatian Khusus 71.648 586.147 514.499 718,09 Special Mention
Kurang Lancar 39.299 170.316 131.017 333,39 Substandard
Diragukan 48.556 26.473 (22.083) (45,48) Doubtful
Macet 80.228 239.403 159.175 198,40 Loss
Total 9.749.245 12.677.186 2.927.941 30,03 Total
Sejalan dengan kinerja perbankan Indonesia secara keseluruhan In the midst of economic conditions that are recovering from the
relatif solid dan resilien, rasio kredit bermasalah (non-performing previous year, the ratio of gross non-performing loans (NPL) as of
loan/NPL) gross per akhir Desember 2023 meningkat menjadi the end of December 2023 increased to 3.44% from 1.73% in
3,44% dari 1,73% pada tahun sebelumnya, sedangkan NPL net the previous year, while net NPL was up to 1.69% from 0.55%
meningkat menjadi 1,69% dari 0,55% pada tahun 2022. in the year 2022.
Kredit bermasalah pada akhir tahun 2023 tercatat sebesar Non-performing loans at the end of 2023 were recorded at
Rp436,19 miliar, meningkat 159,51% dibandingkan akhir tahun Rp436.19 billion, increase 159.51% compared to the end of 2022
2022 sebesar Rp168,08 miliar. amounted to Rp168.08 billion.
Sementara itu, kredit yang direstrukturisasi pada akhir tahun Meanwhile, restructured loans at the end of 2023 were Rp366.17
2023 adalah Rp366,17 miliar, menurun dibandingkan tahun billion, down from the previous year of Rp416.60 billion, with
sebelumnya yang sebesar Rp416,60 miliar, dengan cadangan reserves for impairment of losses of Rp84.22 billion and Rp110.21
kerugian penurunan nilai masing-masing sebesar Rp84,22 miliar billion respectively. Repossessed collaterals in 2023 amounted to
dan Rp110,21 miliar. Agunan yang diambil alih (AYDA) pada Rp56.14 billion.
tahun 2023 sebesar Rp56,14 miliar.
Batas Maksimum Pemberian Kredit (BMPK) Legal Lending Limit (LLL)
Untuk pendanaan kepada pihak terkait dan penyediaan dana For funding to related parties and the provision of large funds,
besar, Bank senantiasa memperhatikan prinsip kehati-hatian dan the Bank always adheres to the principles of prudence and to the
berpedoman pada ketentuan tentang Batas Maksimum Pemberian provisions regarding the Legal Lending Limit (LLL). Throughout
Kredit (BMPK). Sepanjang tahun 2023, tidak terdapat pelampauan 2023, there were no exceedances or violations of the maximum
maupun pelanggaran terhadap batas maksimum pemberian kredit. lending limit. Loans to related parties in 2023 is Rp390.89 billion
Kredit kepada pihak terkait pada tahun 2022 adalah Rp390,89 or 10,77% of total capital, while in 2022 loans to related parties
miliar atau 10,77% dari total modal, sedangkan pada tahun 2022 amounted to Rp296.41 billion.
kredit kepada pihak terkait sebesar Rp296,41 miliar.
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132 Laporan Tahunan 2023
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Liabilitas
Liabilities
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Liabilitas Segera 24.687 28.436 3.749 15,19 Current Liabilities
Simpanan dari Nasabah 15.462.825 19.315.909 3.853.084 24,92 Customer Deposits
Pihak Berelasi 4.574.564 5.200.509 625.945 13,68 Related Parties
Pihak Ketiga 10.888.261 14.115.400 3.227.139 29,64 Third Parties
Simpanan dari Bank Lain 601.618 966.590 364.972 60,67 Deposits from other Banks
Utang Pajak 23.054 25.924 2.870 12,45 Tax Payables
Liabilitas Imbalan Kerja 15.115 21.661 6.546 43,31 Employee Benefit Liabili-ties
Efek-efek yang Dijual dengan Securities Sold under
905.895 239.027 (666.868) (73,61)
Janji Dibeli Kembali Repurchase Agreements
Liabilitas Akseptasi 113.418 93.108 (20.310) (17,91) Acceptance Payables
Liabilitas Derivatif 878 90 (788) (89,75) Derivative Payables
Utang Bunga 21.027 41.478 20.451 97,26 Interest Payables
Liabilitas Lain-Lain 96.131 96.199 68 0,07 Other Payables
Total Liabilitas 17.264.648 20.828.422 3.563.774 20,64 Total Liabilities
Per akhir tahun 2023, total liabilitas Bank tercatat sebesar Rp20,83 At the end of 2023, total Liabilities were recorded at Rp20.83
triliun, mengalami peningkatan sebesar Rp3,56 triliun atau trillion, which increased Rp3,56 trillion or 20.64% compared to
20,64% dibandingkan tahun 2022 yang sebesar Rp17,26 triliun. 2022, which amounted to Rp17,26 trillion. This increase was mainly
Peningkatan ini terutama didorong oleh peningkatan simpanan driven by an increase in customer deposits of Rp3.85 trillion.
nasabah sebesar Rp3,85 triliun.
Simpanan Nasabah
Customer Deposits
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Giro 4.853.578 5.595.812 742.234 15,29 Current Accounts
Tabungan 552.719 695.465 142.746 25,83 Savings
Deposito 10.056.528 13.024.632 2.968.104 29,51 Deposits
Total 15.462.825 19.315.909 3.853.084 24,92 Total
Simpanan nasabah terdiri dari giro, tabungan, dan deposito Customer deposits consist of demand deposits, savings, and time
yang dihimpun pada akhir tahun 2023 sebesar Rp19,31 triliun, deposits collected at the end of 2023 amounted to Rp19.31 trillion.
meningkat sebesar Rp3,85 triliun atau 24,92% dibanding tahun This was an increase of Rp3.85 trillion or 24.92% compared to
2022 yang sebesar Rp15,46 triliun. 2022, which was Rp15.46 trillion.
Simpanan giro mengalami peningkatan sebesar 15,29% menjadi Current accounts decrease by 15.29% to become Rp5.60
Rp5,60 triliun, sedangkan tabungan dan deposito masing-masing trillion, while savings and demand deposits increased by 25.83%
mengalami peningkatan sebesar 25,83% dan 29,51% menjadi and 29.51% to become Rp695,47 billion and Rp13.02 trillion
Rp695,47 miliar dan Rp13,02 triliun di tahun 2023. Komposisi respectively. The composition of current accounts and savings
pendanaan giro dan tabungan pada akhir tahun 2023 adalah accounts at the end of 2023 is 28.97% and 3.60%, compared to
28,97% dan 3,60%, dibandingkan tahun 2022 yang sebesar the year 2022 which was 31.39% and 3.57%. The composition
31,39% dan 3,57%. Komposisi pendanaan deposito di tahun of deposit funding in 2023 is 67.43%, while in 2022 it is 65.04%.
2023 adalah 67,43%, sedangkan di tahun 2022 adalah 65,04%.
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2023 Annual Report 133
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Penempatan dana pihak ketiga dari pihak berelasi per 31 Desember Placement of third-party funds from related parties as of
2023 sebesar Rp5,20 triliun, meningkat 13,68% dibandingkan December 31, 2023 amounted to Rp5.20 trillion, an increase of
tahun sebelumnya, terdiri dari simpanan giro sebesar Rp3,70 13.68% compared to the previous year, consisting of current
triliun, tabungan sebesar Rp2,77 miliar, dan deposito sebesar account deposits in the amount of Rp3.70 trillion, savings of
Rp1,49 triliun. Rp2.77 billion, and deposits of Rp1.49 trillion.
Ekuitas
Equity
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Modal Saham 593.710 613.472 19.762 3,33 Capital Stock
Tambahan Modal Disetor 1.707.342 2.482.288 774.946 45,39 Additional Paid-in Capi-tal
Dana Setoran Modal 794.708 - (794.708) (100,00) Capital Contribution Fund
Laba atau Rugi Komprehensif (58.447) 2.841 61.288 (104,86) Comprehensive Income or Loss
Saldo Laba 250.775 457.557 206.782 82,46 Retained Earnings
Total Ekuitas 3.288.088 3.556.158 268.070 8,15 Total Equity
Total ekuitas Bank pada akhir tahun 2023 sebesar Rp3,56 triliun, The total equity of the Bank at the end of 2023 amounted to
tercatat naik sebesar 8,15% dari tahun 2022 yang sebesar Rp3,29 Rp3.56 trillion, increasing as much as 8.15% from 2022, which
triliun. Hal ini terjadi terutama karena dana yang dihimpun dari was Rp3.289 trillion. This is mainly due to funds raised from Rights
Penawaran Umum Terbatas IV (PUT IV) dalam rangka penerbitan Issue IV.
Hak Memesan Efek Terlebih Dahulu (HMETD).
Laporan Arus Kas Statement of Cash Flows
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Arus Kas Bersih (untuk) dari Net Cash Flows (for)/from
(247.730) 72.808 320.538 (129,39)
Kegiatan Operasi Operating Activities
Arus Kas Bersih (untuk) dari Net Cash Flows (for)/from
(1.209.010) 467.063 1.676.073 (138,63)
Kegiatan Investasi Investing Activities
Arus Kas Bersih (untuk) dari Net Cash Flows (for)/from
778.589 (24.823) (803.412) (103,19)
Kegiatan Pendanaan Financing Activities
(Penurunan)/Kenaikan Bersih Kas Increase of Cash and Cash
(678.151) 515.048 1.193.199 (175,95)
dan Setara Kas Equivalents
Posisi Kas dan Setara Kas di Awal Cash and Cash Equiva-lents at
5.186.733 4.508.582 (678.151) (13,07)
tahun the Beginning of the Year
Posisi Kas dan Setara Kas di Cash and Cash Equiva-lents at
4.508.582 5.023.630 515.048 11,42
Akhir Tahun the End of the Year
Posisi kas dan setara kas meningkat 11,42% menjadi Rp5,02 Cash and cash equivalents increase 11.42% to Rp5.02 trillion,
triliun, setelah kenaikan arus kas bersih sepanjang tahun 2023 after an increase in net cash flows throughout 2023 amounting
sebesar Rp515,05 miliar. Kas dan setara kas terdiri dari kas, giro to Rp515.05 billion. Cash and cash equivalents consist of cash,
pada Bank Indonesia, giro pada bank lain, penempatan pada Bank current accounts with Bank Indonesia, current accounts with
Indonesia dan bank lain, serta efek-efek yang jatuh tempo dalam other banks, placements with Bank Indonesia and other banks,
3 bulan atau kurang sejak tanggal perolehan. as well as securities with maturities of 3 months or less from the
date of acquisition.
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134 Laporan Tahunan 2023
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Arus Kas dari Kegiatan Operasi Cash Flow from Operating Activities
Pada tahun 2023, arus kas bersih yang diperoleh dari aktivitas In 2023, net cash flows come from operating activities were
operasi adalah Rp72,81 miliar, atau mengalami peningkatan Rp72.81 billion, or increased by Rp320.54 billion. The increase in
sebesar Rp320,54 miliar. Peningkatan arus kas yang diperoleh cash flows obtained from operating activities was caused, among
dari aktivitas operasi disebabkan antara lain oleh penurunan others, by the decreasing lending amounting to Rp3.11 trillion.
penyaluran kredit sebesar Rp3,11 triliun.
Arus Kas untuk Kegiatan Investasi Cash Flow to Investment Activities
Arus kas bersih yang digunakan untuk aktivitas investasi selama Net cash flows used in investing activities during 2023 are
tahun 2023 adalah sebesar Rp467,06 miliar. Arus kas masuk Rp467.06 billion. Cash inflows came from sale of marketable
berasal dari penjualan efek-efek yang diklasifikasikan sebagai nilai securities classified as fair value through other comprehensive
wajar melalui penghasilan komprehensif lain dan penerimaan income and receipt of maturing securities amounting to Rp2.12
efek-efek yang telah jatuh tempo sebesar Rp2,12 triliun. trillion. While cash outflows were used for marketable securities
Sedangkan arus kas keluar digunakan untuk pembelian efek- purchases amounting to Rp1.60 trillion, acquisition of fixed assets
efek sebesar Rp1.60 triliun, perolehan aset tetap sebesar Rp33,65 of Rp33.65 billion, and acquisition of right of use assets Rp21.86
miliar, dan perolehan aset hak guna sebesar Rp21,86 miliar. billion.
Arus Kas dari Kegiatan Pendanaan Cash Flow from Funding Activities
Selama tahun 2023 arus kas bersih yang diperoleh dari aktivitas During 2023, net cash flow obtained from financing activities
pendanaan sebesar Rp24,82 miliar yang berupa penerimaan dari amounted to Rp24.82 billion in the form of proceeds from lease
pembayaran liabilitas sewa. liability payments.
Kemampuan Membayar Utang Debt Service Ability
Kemampuan Bank dalam memenuhi seluruh kewajiban, baik The Bank’s ability to fulfill all obligations, both long-term and
kewajiban jangka panjang maupun jangka pendek, dicerminkan short-term obligations, is reflected in the calculations for solvency
oleh perhitungan rasio solvabilitas berupa perhitungan rasio ratio in the form of capital adequacy ratio and liquidity ratio
kecukupan modal, serta rasio likuiditas melalui perhitungan loan through calculation of loan to funding ratio (LFR).
to funding ratio (LFR).
Rasio Kecukupan Modal Capital Adequacy Ratio
Rasio kecukupan modal, dengan memperhitungkan risiko kredit, The capital adequacy ratio, taking into account credit, operational
operasional, dan pasar di akhir tahun 2023 sebesar 26,10%, and market risks at the end of 2023 was at 26.10%, a decrease
mengalami penurunan dari tahun sebelumnya sebesar 31,12%. from the previous year’s ratio of 31.12%. This decrease is in
Penurunan ini seiring dengan penyaluran kredit dan penempatan line with the lending and placement of securities conducted by
pada surat berharga yang dilakukan Bank sepanjang tahun 2023. the Bank throughout the year 2023. Total risk weighted assets
aset tertimbang menurut risiko (ATMR) untuk risiko kredit, pasar, (RWA) accounted for credit, market and operational risks as at
dan operasional pada tanggal 31 Desember 2023 sebesar Rp13,90 31 December 2023 amounted to Rp13.90 trillion, an increase
triliun, naik sebesar Rp3,19 triliun dibandingkan dengan posisi of Rp3.19 trillion compared to the December 31, 2022 position,
31 Desember 2022 yang sebesar Rp10,72 triliun. Peningkatan ini which amounted to Rp10.72 trillion. This increase is in line with
sejalan dengan pertumbuhan aset keuangan yang dimiliki Bank. the growth of financial assets owned by the Bank.
Modal inti meningkat dari Rp3,22 triliun di tahun 2022 menjadi Core capital increased from Rp3.22 trillion, in 2022 to Rp3.47
Rp3,47 triliun di tahun 2023, dan berkontribusi 95,68% terhadap trillion in 2023, and contributed 95.68% towards total capital.
total modal. Sementara itu, modal pelengkap naik menjadi Meanwhile, supplementary capital increased to Rp156.65 billion
Rp156,65 miliar di tahun 2023 dari Rp115,33 miliar di tahun 2022 in 2023 from Rp115.33 billion in 2022, and contributed 4.32%
dan berkontribusi 4,32% terhadap total modal. towards total capital.
Loan to Funding Ratio Loan to Funding Ratio
Loan to funding ratio (LFR) merupakan salah satu indikator yang Loan to funding ratio is one of the indicators used by the Bank to
digunakan Bank untuk mengukur likuiditas. Pada akhir tahun measure liquidity. At the end of 2023, the LFR ratio was recorded
2023, tercatat rasio LFR sebesar 65,60%, naik dari posisi tahun at 65.60%, up from the position in 2022 of 63.06%.
2022 sebesar 63,06%.
PT Bank Ina Perdana Tbk
2023 Annual Report 135
Page 138
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Upaya lain yang dilakukan Bank dalam memantau likuiditas Another effort which has undertaken by the Bank in order to
adalah dengan menjaga rasio alat likuid. Pemantauan rasio monitoring liquidity is to maintain the ratio of liquid assets. Ratio
dilakukan secara harian pada rasio alat likuid terhadap non-core monitoring is carried out on a daily basis for the ratio of liquid
deposit (AL/NCD) dan rasio alat likuid terhadap dana pihak ketiga instruments to non-core deposits (AL/NCD) and the ratio of liquid
(AL/DPK). Selama tahun 2023, rata-rata rasio AL/NCD dan AL/DPK instruments to third party funds (AL/DPK). During 2023, the average
masing-masing sebesar 153,45% dan 24,34%, melampaui level ratio of AL/NCD and AL/DPK is 153.45% and 24.34%, exceeding
yang disarankan oleh Otoritas Jasa Keuangan, yaitu sebesar 50% the level recommended by the Financial Services Authority, which is
untuk rasio AL/NCD dan 10% untuk rasio AL/DPK. 50% for the AL/NCD ratio and 10% for the AL/DPK ratio.
Tingkat Kolektibilitas Piutang Receivables Turnover Ratio
Bank Ina melakukan perhitungan kolektibilitas piutang dengan Bank Ina calculates the receivables turnover by using indicator of
menggunakan indikator rasio kredit bermasalah (NPL). Pada akhir non-performing loans (NPL) ratio. At the end of 2023, the Bank’s
tahun 2023, NPL Bank mengalami peningkatan menjadi 3,44% NPL increased to 3.44% compared to that of end of 2022 of
dibandingkan akhir tahun 2022 sebesar 1,73%. Rasio NPL-net 1.73%. The NPL-net ratio also decreased to 1.69% from 0.55%.
juga naik menjadi 1,69% dari sebelumnya yang sebesar 0,55%.
Sementara itu, rasio aset produktif bermasalah dibandingkan total Meanwhile, the non-performing earning assets ratio to total
aset produktif tahun 2023 adalah 1,75%, mengalami peningkatan earning assets in 2023 was 1.75%, an increase of 0.96%
0,96% dibandingkan tahun 2022 yang sebesar 0,79%. compared to that of 2022 which was 0.79%.
Rentabilitas Profitability
Rasio rentabilitas digunakan untuk mengukur seberapa efektif The profitability ratio is used to measure how effective the Bank
Bank dalam menghasilkan keuntungan dari modal yang is in generating gains from invested capital or from assets owned.
diinvestasikan atau dari aset yang dimiliki. Rasio rentabilitas Bank Bank Ina’s profitability ratio is reflected in the calculation of return
Ina tercermin dalam perhitungan imbal hasil atas aset (ROA), on assets (ROA), return on equity (ROE), net interest margin (NIM),
imbal hasil atas ekuitas (ROE), pendapatan bunga bersih (NIM), and operating expenses to operational income (BOPO).
serta beban operasional terhadap operasional (BOPO).
Imbal Hasil atas Aset (ROA) Return on Assets (ROA)
Pada tahun 2023, rasio laba terhadap jumlah aset (return on asset/ In 2023, the return on assets (ROA) was 1.17%, decreasing
ROA) sebesar 1,17%, meningkat dibandingkan tahun 2022 yang compared to that of 2022, which was 1.09%.
sebesar 1,09%.
Imbal Hasil atas Ekuitas (ROE) Return on Equity (ROE)
Sementara itu, imbal hasil atas ekuitas (return on equity/ROE) Meanwhile, return on equity (ROE) increased to 6.14% in 2023,
mengalami penurunan menjadi 6,14% pada tahun 2023, compared to the corresponding position of 6.57% in 2022. This
dibandingkan posisi tahun 2022 yang sebesar 6,57%. Hal ini was due to the increase in net income.
disebabkan oleh peningkatan modal inti.
Pendapatan Bunga Bersih (NIM) Net Interest Income (NIM)
Pada tahun 2023, margin bunga bersih dibukukan sebesar 3,12%, In 2023, the net interest margin was recorded at 3.12%, an
menurun dibandingkan tahun 2022 yang sebesar 3,49%. increase compared to that of 2022, which was 3.49%.
Beban Operasional terhadap Beban Operasional Operating Expenses to Operating Income
(BOPO) (BOPO)
Rasio beban operasional terhadap pendapatan operasional The ratio of operating expenses to operating income of Bank
Bank Ina untuk tahun 2023 sebesar 84,37%, meningkat bila Ina for 2023 was 84.37%, a decrease when compared to the
dibandingkan realisasi tahun 2022 sebesar 82,43%. realization in 2022 of 82.43%.
PT Bank Ina Perdana Tbk
136 Laporan Tahunan 2023
Page 139
Struktur Modal Capital Structure
Dasar Pemilihan Kebijakan Manajemen atas Basis of Selecting Management Policy for
Struktur Modal Capital Structure
Pengelolaan modal dilakukan untuk memastikan bahwa Bank Ina Capital management is carried out to ensure that Bank Ina
senantiasa mempertahankan rasio modal yang sehat dalam rangka continues to maintain a sound capital ratio in order to anticipate
mengantisipasi seluruh risiko utama yang terjadi di dalam pengelolaan all the major risks that may occur in the management of the
bank, seperti risiko pasar, risiko kredit, dan risiko operasional, serta bank, such as market risk, credit risk, and operational risk, and
memaksimalkan nilai Pemegang Saham. Oleh karena itu, Bank Ina to maximize Shareholder value. Therefore, Bank Ina manages the
mengelola struktur modal sesuai dengan Peraturan Otoritas Jasa capital structure in accordance with the Financial Services Authority
Keuangan No. 11/POJK.03/2016 tanggal 29 Januari 2016 tentang Regulation No. 11/POJK.03/2016 dated January 29, 2016, on the
Kewajiban Penyediaan Modal Minimum Bank Umum. Minimum Capital Adequacy Ratio for Commercial Banks.
Kebijakan Manajemen atas Struktur Modal Management Policy on Capital Structure
Kebijakan Manajemen Bank Ina atas struktur modal dapat terlihat Bank Ina’s management policy on capital structure can be seen in
pada pencapaian atau perolehan rasio kewajiban penyediaan the achievement or acquisition of the capital adequacy ratio (CAR)
modal minimum (KPMM) atau capital adequacy ratio (CAR) sebagai as an indicator of the Bank’s capital adequacy. CAR describes the
salah satu indikator kecukupan modal Bank. CAR menggambarkan ability to sustain the Bank’s growth and accommodate possible
kemampuan untuk menopang pertumbuhan Bank dan menampung risks that may be encountered by the Bank. Therefore, Bank
kemungkinan risiko yang mungkin dihadapi oleh Bank. Maka Ina continues to ensure that the CAR exceeds the minimum
dari itu, Bank Ina senantiasa memastikan bahwa persentase CAR requirement set by the regulator.
melebihi kewajiban minimum yang ditetapkan oleh regulator.
Selain itu, komitmen yang kuat dari Pemegang Saham Bank Ina Furthermore, the strong commitment of Bank Ina Perdana’s
Perdana dalam mendukung penguatan permodalan diwujudkan Shareholders in supporting capital strengthening was realized
dengan penambahan modal disetor secara bertahap di tahun by gradually increasing paid-in capital in 2016, 2017, and 2021
2016, 2017, dan 2021 guna mendukung pengembangan Bank to support the Bank’s development in order to realize the Bank’s
untuk mewujudkan Visi dan Misi Bank. Vision and Mission.
Rincian Struktur Modal
Details of Capital Structure
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Komponen Modal Capital Components
Modal Inti 3.219.420 3.471.368 251.948 7,83 Core Capital
Modal Pelengkap 115.332 156.650 41.318 35,83 Supplementary Capital
Total Modal 3.334.752 3.628.018 293.266 8,79 Total Capital
Aktiva Tertimbang Menurut Risk Weighted Assets
Risiko (ATMR) (RWA)
Risiko Kredit 10.316.480 13.332.473 3.015.993 29,23 Credit Risk
Risiko Pasar 1.654 31.420 29.766 1.799,64 Market Risk
Risiko Operasional 397.232 537.024 139.792 35,19 Operational Risk
Total ATMR for Credit,
Total ATMR Risiko Kredit,
10.715.366 13.900.917 3.185.551 29,73 Market, and Operational
Pasar, dan Operasional
Risks
Rasio KPMM dengan
CAR by Evaluating Credit
Memperhitungkan Risiko 31,13 26,16 (15,97)
and Op-erational Risks (%)
Kredit dan Operasional (%)
Rasio KPMM dengan
CAR by Evaluating Credit,
Memperhitungkan Risiko
31,12 26,10 (16,13) Market, and Operational
Kredit, Pasar, dan Operasional
Risks (%)
(%)
Rasio Modal Inti terhadap Core Capital to ATMR
30,04 24,97 (16,88)
ATMR (%) Ratio (%)
PT Bank Ina Perdana Tbk
2023 Annual Report 137
Page 140
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Total modal Bank pada akhir tahun 2023 menjadi Rp3,63 triliun The total capital of the Bank at the end of 2023 was Rp3.63
atau naik 8,79%. CAR Bank turun dari 31,12% pada akhir tahun trillion, up 8.79%. The Bank’s CAR decrease from 31.12% at the
sebelumnya menjadi 26,10% di akhir tahun 2023. Berdasarkan end of the previous year to 26.10% at the end of 2023. Based
komposisinya, modal inti pada akhir tahun 2023 terdiri atas modal on its composition, core capital at the end of 2023 consisted of
disetor sebesar Rp613,47 miliar, cadangan tambahan modal paid-in capital of Rp613.47 billion, additional capital reserves of
Rp2,94 triliun dan faktor pengurang modal inti utama sebesar Rp2.94 trillion and core capital deduction of Rp58.30 billion, with
Rp58,30 miliar, dengan modal pelengkap sebesar Rp156,65 miliar. supplementary capital of Rp156.65 billion.
Komitmen Material untuk Investasi Barang Material Commitments for Capital Goods
Modal Investment
Ikatan Material terkait Investasi Barang Modal Material Commitments related to Capital
Goods Investment
Bank Ina tidak memiliki ikatan material investasi barang modal Bank Ina did not make any material commitments of capital goods
selama tahun 2023. Seluruh aktivitas investasi barang modal, investment in 2023. All capital goods investment activities, either
baik dalam bentuk perangkat keras komputer, peralatan dan in the form of computer hardware, office equipment and supplies,
perlengkapan kantor, serta inventaris lainnya, bersumber dari or other inventories, are originated from the use of the Bank’s
penggunaan modal Bank. capital.
Investasi Barang Modal Capital Goods Investment
Investasi barang modal Bank Ina dilakukan dalam rangka Bank Ina’s capital goods investment is carried out for the purpose
perbaikan infrastruktur dan perluasan jaringan kantor. Pada of improving infrastructure and expanding office networks.
tahun 2023, investasi barang modal Bank Ina mencapai Rp33,65 In 2023, Bank Ina’s capital goods investment was recorded at
miliar, meningkat Rp1,55 miliar atau 4,83%. Hal ini terutama Rp33.65 billion, an increase of Rp1.55 billion or 4.83%. This was
dipengaruhi oleh meningkatnya dalam pembangunan sebesar mainly due to an increase in assets under construction of Rp8.68
Rp8,68 miliar. Perubahan-perubahan terkait investasi barang billion. Changes related to capital goods investment are described
modal secara terperinci diuraikan dalam bentuk berikut. in detail in the following table.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pertumbuhan (Penurunan)
Uraian 2022 2023 Growth (Decline) Description
Rp %
Perangkat Keras dan Lunak 17.287 11.677 (5.610) (32,45) Hardware and Software
Office Furniture and
Perabotan dan Peralatan Kantor 4.833 4.592 (241) (4,99)
Equipment
Leasehold Improvement 5.239 3.264 (1.975) (37,70) Leasehold Improvement
Kendaraan Bermotor 15 711 696 4.640,00 Vehicles
Dalam Pembangunan 4.722 13.403 8.681 183,84 Under Construction
Total 32.096 33.647 1.551 4,83 Total
Informasi Material mengenai Investasi, Information on Material Transaction
Ekspansi, Divestasi, Penggabungan/ Pertaining to Investment, Expansion,
Peleburan Usaha, Akuisisi, atau Divestment, Business Merger/ Consolidation,
Restrukturisasi Utang/Modal Acquisition, Debt/Capital Restructuring
Sepanjang tahun 2023, Bank tidak melakukan transaksi material Throughout 2023, the Bank did not conduct material transactions
mengenai investasi, divestasi, ekspansi, penggabungan/peleburan regarding investment, divestment, expansion, business merger/
usaha, akuisisi, restrukturisasi utang/modal. acquisition, acquisition, debt/capital restructuring.
PT Bank Ina Perdana Tbk
138 Laporan Tahunan 2023
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Informasi Transaksi Material yang Information on Material Transactions
Mengandung Benturan Kepentingan dan/ Involving Conflicts of Interest and
atau Transaksi dengan Pihak Afiliasi Transactions with Affiliated Parties
Bank Ina tidak terlibat dalam transaksi yang bersifat material yang The Bank did not conduct material transactions that involves
mengandung unsur benturan kepentingan dengan pihak yang elements of conflict of interest with related parties throughout
berelasi di sepanjang tahun 2023. Informasi transaksi material 2023. Material transaction information with related parties can be
dengan pihak berelasi dapat dilihat pada Catatan 35 Laporan seen in Note 35 of the 2023 Audit Financial Report.
Keuangan Audit 2023.
Setiap transaksi dengan pihak berelasi dilakukan sesuai dengan Every transaction with related parties is carried out in accordance
standar komersial yang adil (arm’s length) dan tidak memiliki with fair commercial standards (arm’s length) and does not have a
tujuan khusus yang melanggar peraturan yang berlaku. specific purpose that violates applicable regulations.
Pemenuhan Peraturan dan Ketentuan Terkait Compliance with Related Rules and Regulations
Seluruh transaksi dengan pihak berelasi dilakukan dengan All transactions with related parties are carried out by referring
mengacu pada standar akuntansi yang telah didefinisikan dalam to accounting standards that have been defined in PSAK No. 7
PSAK No. 7 (Revisi 2015) tentang “Pengungkapan Pihak-pihak (Revised 2015) concerning “Disclosure of Related Parties”. Thus,
Berelasi”. Dengan demikian, tidak terdapat transaksi penyediaan there will be no transactions providing funds to related parties of
dana kepada pihak berelasi Bank Ina sepanjang tahun 2023 yang Bank Ina throughout 2023 that violate or exceed BMPK.
melanggar ataupun melampaui BMPK.
Kebijakan Bank terkait Mekanisme Review atas Bank Policy related to Review Mechanism for
Transaksi Transactions
Bank Ina memiliki kebijakan yang mengatur transaksi-transaksi Bank Ina has a policy that regulates transactions that potentially
yang berpotensi melibatkan konflik kepentingan dan/atau involve conflicts of interest and/or transactions with related
transaksi dengan pihak terkait. Kebijakan ini dirumuskan oleh parties. This policy is formulated by the Risk Management Work
Satuan Kerja Manajemen Risiko dan Satuan Kerja Kepatuhan, Unit and Compliance Work Unit, and is documented in standard
serta terdokumentasikan dalam standar operasional prosedur. operating procedures. This policy regulates the review mechanism
Kebijakan ini mengatur mekanisme peninjauan transaksi yang for potentially conflicting transactions and ensures that they are
berpotensi melibatkan konflik kepentingan serta memastikan executed with integrity and in accordance with applicable laws
bahwa transaksi tersebut dijalankan dengan integritas dan sesuai and regulations.
dengan ketentuan hukum dan peraturan yang berlaku.
Informasi dan Fakta Material yang Terjadi Information and Material Facts that Occur
setelah Tanggal Laporan Akuntan After the Balance Sheet Date
Bank tidak memiliki informasi dan fakta material yang terjadi The Bank did not have information and material facts that
setelah tanggal Laporan Akuntan. occurred after the Balance Sheet date.
Perbandingan Target dan Realisasi 2023 Comparison between Target and
[POJK51-F.2] Realization 2023 [POJK51-F.2]
Pencapaian target usaha Bank pada tahun 2023 mencatatkan The achievement of the Bank’s business target in 2023 recorded
hasil yang positif, sejalan dengan kondisi industri perbankan yang positive results, in line with the improving conditions of the
mulai membaik pasca Covid-19. banking industry after Covid-19.
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pencapaian
Uraian Achievement Description
(%)
Total Aset 101,78 Total Assets
Surat Berharga 110,54 Securities
Penempatan pada Bank Indonesia dan Bank Lain 79,62 Placements with Bank Indonesia and Other Banks
PT Bank Ina Perdana Tbk
2023 Annual Report 139
Page 142
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise)
Pencapaian
Uraian Achievement Description
(%)
Tagihan Reverse Repo 145,56 Reverse Repo Receivables
Kredit 94,69 Loans
Simpanan Nasabah 98,87 Customer Deposits
Ekuitas 100,00 Equity
Pendapatan Bunga Bersih 94,21 Net Interest Income
Laba Bersih 98,09 Net Profit
CAR (%) 26,10 CAR (%)
ROE (%) 6,14 ROE (%)
ROA (%) 1,17 ROA( %)
NIM (%) 3,12 NIM (%)
BOPO (%) 84,37 BOPO (%)
NPL-gross (%) 3,44 NPL-gross (%)
NPL-net (%) 1,69 NPL-net (%)
Indikator pencapaian realisasi tersebut diungkapkan sebagai Indicators of achievement of such realization are expressed as
berikut. follows.
1. Total aset mencapai 101,78% dari target pertumbuhan yang 1. Total assets were recorded at 101.78% of the predetermined
telah ditetapkan. growth target.
2. Penyaluran kredit tercapai sebesar 94,69% dari target 2. Loans disbursed amounted to 94.69% of the budget target.
anggaran.
3. Simpanan nasabah tercatat mencapai 98,87% dari target 3. Deposits from customers were recorded 98.87% of the
anggaran. budget target.
4. Alokasi idle fund pada penempatan surat berharga obligasi, 4. The allocation of idle funds in the placement of bond securities,
penempatan pada Bank Indonesia dan penempatan pada placements with Bank Indonesia and placements with other
bank lain memberikan hasil positif terhadap pendapatan banks provide positive results for the Bank’s interest income,
bunga Bank, sehingga NIM dapat tercapai sebesar 3,12%. so that the NIM amounted to 3.12%.
5. Laba bersih terealisasi 98,09% dari target. 5. Net income was realized 98.09% of the target.
6. Rasio rentabilitas seperti ROE dan ROA mencapai 6,14% dan 6. Profitability ratios such as ROE and ROA of 3.12% and 1.17%.
1,17%.
7. Rasio NPL-gross lebih tinggi dari target yang ditetapkan, yaitu 7. The gross NPL ratio such as 3.44%.
mencapai 3,44%.
Nilai Ekonomi Langsung yang Dihasilkan Direct Economic Value Generated and
dan Didistribusikan Distributed
Bank Ina berkomitmen untuk memberikan manfaat melalui Bank Ina is committed to providing benefits through economic
nilai ekonomi yang didistribusikan kepada para pemangku value distributed to stakeholders, as follows.
kepentingan, sebagai berikut.
(dalam jutaan Rupiah / in million Rupiah)
Uraian 2022 2023 Description
Nilai Ekonomi Langsung yang Dihasilkan 2.340.629 2.682.098 Direct Economic Values Generated
Penerimaan Bunga, Provisi, dan Komisi 1.264.338 1.962.198 Interest Income, Fees, and Commission
Pendapatan Operasional Lainnya 30.918 51.900 Other Operating Income
Penerimaan atas Penjualan Aset Tetap - - Proceeds from Sale of Fixed Assets
Penerimaan Efek-Efek yang telah Jatuh Tempo 245.000 668.000 Proceeds from Matured Marketable Securities
Penerimaan dari Penawaran Umum Terbatas 800.373 - Proceeds from Limited Public Offering
Nilai Ekonomi yang Didistribusikan 894.582 1.386.132 Economic Value Distributed
PT Bank Ina Perdana Tbk
140 Laporan Tahunan 2023
Page 143
(dalam jutaan Rupiah / in million Rupiah)
Uraian 2022 2023 Description
Pembayaran Bunga 599.143 992.666 Payments of Interest
Pembayaran Beban Operasional Lainnya 92.851 108.975 Payments of other Operating Expense
Pembayaran Beban Tenaga Kerja 128.495 192.653 Payments of Personnel Expense
Pembayaran Pajak Penghasilan 52.102 66.867 Payment of Income Tax
Biaya Emisi dari Penawaran Umum Terbatas 3.241 - Public Offering Issuance cost from Limited
Pembayaran Liabilitas Sewa 18.543 24.823 Payment of Lease Liabilities
Pembagian Dividen - - Dividend Distribution
Pembiayaan Kegiatan CSR 207 148 Payment of CSR Activities
Nilai Ekonomi Ditahan 1.446.047 1.295.966 Retained Economic Value
Kebijakan dan Pembagian Dividen Dividend Policy and Distribution
Menurut Anggaran Dasar, pembayaran dividen hanya dapat By referring to the Articles of Association, dividends can only be
dilakukan sesuai dengan kondisi keuangan Bank, yang ditentukan paid in accordance with the Bank’s financial capacity, based on
melalui keputusan yang diambil dalam RUPS. Pembagian dividen the resolutions taken at the GMS. The Bank’s dividend distribution
juga dipertimbangkan dengan memperhatikan aspek lain, seperti is also carried out by considering other matters, such as profit
pertumbuhan laba, kecukupan modal, rencana pengembangan growth, capital adequacy, business development plans, and other
usaha, dan faktor-faktor lain yang dianggap relevan. factors deemed relevant.
Sesuai keputusan RUPS Tahunan 2022 tanggal 3 Juni 2022 In accordance with the resolutions of the 2022 Annual GMS on
dan RUPS Tahunan 2023 tanggal 16 Juni 2023, Bank Ina tidak June 3, 2022, and the 2023 Annual GMS on June 16, 2023, Bank
melakukan pembagian dividen. Hal ini dikarenakan laba bersih Ina did not distribute dividends. This matter was due to Bank Ina’s
Bank Ina untuk tahun buku 2021 dan 2022 dibukukan sebagai net income for the 2021 and 2022 financial years was recorded as
laba ditahan dalam rangka memperkuat posisi permodalan Bank. retained earnings in order to strengthen the Bank’s capital position.
Realisasi Penggunaan Dana Hasil Realization of the Use of Public Offering
Penawaran Umum Proceeds
Pada tahun 2023, Bank Ina memiliki kewajiban atas pelaporan In 2023, Bank Ina has an obligation to report the use of funds from
penggunaan dana hasil Penawaran Umum Terbatas IV dalam the Limited Public Offering IV in the context of Preemptive Rights
rangka Hak Memesan Efek Terlebih Dahulu (HMETD). Laporan (HMETD). The report has been submitted to the Financial Services
tersebut telah disampaikan kepada Otoritas Jasa Keuangan sesuai Authority in accordance with the provisions of the Financial
ketentuan Peraturan Otoritas Jasa Keuangan No. 30/POJK.04/2015 Services Authority Regulation No. 30/POJK.04/2015 concerning
tentang Laporan Realisasi Penggunaan Dana Hasil Penawaran Report on the Realization of the Use of Public Offering Proceeds.
Umum. Informasi terkait realisasi pelaksanaan penawaran umum Information related to the realization of the public offering is
diungkapkan sebagai berikut. disclosed as follows.
(dalam Rp / in Rp)
Nilai Realisasi Hasil Penawaran Umum
Actual Value of Public Offering Proceeds Realisasi
Jenis Rencana
Tanggal Total Hasil Hasil Penggunaan
Penawaran Biaya Penggunaan Sisa Dana
Efektif Penawaran Realisasi Dana
Umum Penawaran Dana Remaining
Effective Umum Bersih Realization
Type of Public Umum Plan of Use Proceeds
Date Total Public Net of Use of
Offering Public of Proceeds
Offering Realization Proceeds
Offering Cost
Proceeds Proceeds
Penambahan Modal 30 November 800.372.805.750 5.665.147.838 794.707.657.912 794.707.657.912 794.707.657.912 -
dengan Memberikan 2022
HMETD - PUT IV
Capital Increase with
Pre-emptive Rights -
PUT IV (Right Issue IV)
PT Bank Ina Perdana Tbk
2023 Annual Report 141
Page 144
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Prospek Usaha 2024 2024 Business Outlook
Berbagai risiko global, seperti pelemahan ekonomi, tensi geopolitik, Various global risks, such as economic weakness, geopolitical
tekanan fiskal, dan kenaikan suku bunga acuan di sejumlah negara tensions, fiscal pressures, and increases in benchmark interest rates in
masih akan berlanjut di tahun 2024. Kondisi ini mengakibatkan a number of countries will continue in 2024. This condition resulted
pertumbuhan ekonomi global tahun tersebut akan melambat menjadi in global economic growth that year will slow to 2.8%. Meanwhile,
2,8%. Sementara itu, perekonomian Indonesia diperkirakan akan Indonesia’s economy is predicted to grow in the 4.7%-5.5% range,
tumbuh dalam kisaran 4,7%-5,5%, ditopang oleh kebijakan moneter supported by monetary and fiscal policies, accelerated financial sector
dan fiskal, akselerasi transformasi sektor keuangan, digitalisasi ekonomi transformation, economic and financial digitalization, and economy
dan keuangan, serta ekonomi dan keuangan inklusif hijau. and finance, and green inclusive economy and finance.
Di sisi lain, Bank Indonesia akan terus memperkuat stimulus On the other hand, Bank Indonesia will continue to strengthen
kebijakan makroprudensial untuk mendorong kredit/pembiayaan macroprudential policy stimuli to stimulate bank lending/
perbankan. Prospek intermediasi perbankan akan terus meningkat, financing. The outlook for bank intermediation will continue to
diperkirakan pada level di atas 10%. Adapun nilai transaksi digital improve, estimated at levels above 10%. Meanwhile, the value of
banking diproyeksikan meningkat 9,11% (yoy) hingga mencapai digital banking transactions is projected to increase 9.11% (yoy)
Rp63.803,77 triliun, sedangkan nilai transaksi uang elektronik to reach Rp63,803.77 trillion, while the value of EU electronic
UE diproyeksikan meningkat 25,77% (yoy) hingga mencapai money transactions is projected to increase 25.77% (yoy) to reach
Rp1.051,24 triliun. Rp1,051.24 trillion.
Untuk merespons prospek usaha tersebut, Bank Ina telah To respond to this business prospect, Bank Ina has developed a
menyusun strategi pengembangan usaha 2024, sebagai berikut. 2024 business development strategy, as follows.
1. Menjalankan bisnis dengan menggunakan hybrid model, 1. Running a business using a hybrid model, namely a Bank with
yaitu Bank dengan jaringan cabang serta didukung dengan a branch network and supported by the provision of digital
penyediaan layanan perbankan digital untuk nasabah banking services for customers who have digital transactions
yang memiliki bertransaksi secara digital maupun untuk or to reach customers who cannot be reached by existing
menjangkau nasabah yang tidak dapat dijangkau oleh branch networks.
jaringan cabang yang ada.
2. Mengembangkan SDM yang mendukung strategi Bank 2. Develop human resources that support the Bank’s overall
secara menyeluruh, dengan fokus pada unit frontliner, strategy, focusing on frontliners, business development, HR,
pengembangan bisnis, SDM, dan IT. and IT units.
3. Optimalisasi cabang-cabang yang telah ada dan juga kemungkinan 3. Optimization of existing branches as well as the possibility
untuk menambah cabang baru, dan pengembangan produk to add new branches, and development of digital banking
digital banking serta aktivitas sebagai Bank Devisa. products and activities as a Foreign Exchange Bank.
4. Menyelaraskan seluruh channel touch point, baik yang 4. Aligning all touch point channels, both existing and those that
existing maupun yang akan dikembangkan kemudian will be developed later to provide easy access to customers,
untuk memberikan kemudahan akses kepada nasabah, build product ownership growth per customer, and increase
membangun pertumbuhan kepemilikan produk per nasabah, customer access through branch office networks, ATMs,
dan meningkatkan akses nasabah baik melalui jaringan mobile and internet banking, contact centers, EDC, and QRIS.
kantor cabang, ATM, mobile dan internet banking, contact
center, EDC, maupun QRIS.
Proyeksi Tahun 2024 2024 Projections
Dengan memperhatikan kondisi ekonomi baik global maupun By taking into account both global and national economic
nasional, serta menimbang kondisi industri dan prospek conditions, as well as considering industrial conditions and
usaha, Bank Ina telah menetapkan proyeksi usaha tahun 2024 business prospects, Bank Ina has set business projections for
dibandingkan dengan realisasi tahun 2023 sebagai berikut. compared to the realization in 2023 as follows.
(dalam % / in %)
Pertumbuhan 2024
Uraian Description
2024 Growth
Total Aset 114,41 Total Assets
Surat Berharga 102,25 Securities
Penempatan pada Bank Indonesia dan Bank Lain 127,51 Placements with Bank Indonesia and Other Banks
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142 Laporan Tahunan 2023
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(dalam % / in %)
Pertumbuhan 2024
Uraian Description
2024 Growth
Tagihan Reverse Repo 74,19 Reverse Repo Receivables
Kredit 130,08 Loans
Simpanan Nasabah 118,67 Customer Deposits
Ekuitas 108,80 Equity
Pendapatan Bunga Bersih 133,10 Net Interest Income
Laba Bersih 144,83 Net Profit
(dalam % / in %)
Proyeksi 2024
Uraian Description
2024 Projection
CAR (%) 21,91 CAR (%)
ROE (%) 8,24 ROE (%)
ROA (%) 1,49 ROA( %)
NIM (%) 3,95 NIM (%)
BOPO (%) 80,49 BOPO (%)
NPL-gross (%) 1,55 NPL-gross (%)
NPL-net (%) 0,21 NPL-net (%)
Perubahan Kebijakan Akuntansi Amendments to Accounting Policies
Berikut kebijakan akuntansi yang telah disahkan oleh Dewan The following are accounting policies issued by the Indonesian
Standar Akuntansi Keuangan (DSAK) Indonesia yang dipandang Financial Accounting Standards Board (DSAK) that are considered
relevan terhadap kondisi Bank Ina dan mulai berlaku efektif untuk relevant to Bank Ina’s condition and are effective for the Financial
Laporan Keuangan tanggal 31 Desember 2023. Statements of December 31, 2023.
ISAK/Amandemen PSAK Dampak terhadap Laporan Keuangan
Amendments to ISAK/PSAK Impact on Financial Statements
Amandemen PSAK 1 tentang Penyajian Laporan Keuangan tentang Pengungkapan
Kebijakan Akuntansi.
Amendment to PSAK 1 on Presentation of Financial Statements on Disclosure of
Accounting Policies.
Amandemen PSAK 16 tentang aset tetap tentang Hasil Sebelum Penggunaan yang Tidak berdampak signifikan terhadap Laporan Keuangan Bank.
Diintensikan. Does not have a significant impact on the Bank’s Financial
Amendment to PSAK 16 on property and equipment on Results Before Intended Use. Statements.
Amandemen PSAK 25 tentang Kebijakan Akuntansi, Perubahan Estimasi Akuntansi
dan Kesalahan tentang Definisi Estimasi Akuntansi.
Amendment to PSAK 25 on Accounting Policies, Changes in Accounting Estimates
and Errors on the Definition of Accounting Estimates.
Perubahan Peraturan Perundang-undangan Amendments to Laws and Regulations
yang Berpengaruh Signifikan terhadap Bank that Significantly Affect the Bank
Peraturan yang telah diterbitkan dan dipandang relevan terhadap Regulations that have been issued and are considered relevant
kondisi Bank Ina, serta mulai berlaku efektif pada periode to Bank Ina’s condition, and become effective in the reporting
pelaporan, antara lain: period, include:
1. Peraturan Bank Indonesia No. 6 Tahun 2023 tentang Pasar 1. Bank Indonesia Regulation No. 6 of 2023 concerning Money
Uang dan Pasar Valuta Asing; Market and Foreign Exchange Market;
2. Peraturan Bank Indonesia No. 7 Tahun 2023 dan Peraturan 2. Bank Indonesia Regulation No. 7 of 2023 and Member of the
Anggota Dewan Gubernur No. 4 Tahun 2023 tentang Devisa Board of Governors Regulation No. 4 of 2023 concerning Foreign
Hasil Ekspor dan Devisa Pembayaran Impor; Exchange from Export and Foreign Exchange Import Payments;
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
3. Peraturan Bank Indonesia No. 11 Tahun 2023 tentang Kebijakan 3. Bank Indonesia Regulation No. 11 of 2023 concerning
Insentif Likuiditas Makroprudensial dan Peraturan Anggota Macroprudential Liquidity Incentive Policy and Board of
Dewan Gubernur No. 11 Tahun 2023 tentang Peraturan Governors Regulation No. 11 of 2023 concerning Regulation on
Pelaksanaan Kebijakan Insentif Likuiditas Makroprudensial; Implementation of Macroprudential Liquidity Incentive Policy;
4. Peraturan Anggota Dewan Gubernur No. 2 Tahun 2023 4. Regulation of Members of the Board of Governors No. 2 of
tentang Perubahan atas Peraturan Anggota Dewan Gubernur 2023 concerning Amendments to Regulation of Members
No. 24/8/PADG/2022 tentang Peraturan Pelaksanaan of the Board of Governors No. 24/8/PADG/2022 concerning
Pemenuhan Giro Wajib Minimum dalam Rupiah dan Valuta Regulations for the Implementation of Minimum Mandatory
Asing bagi Bank Umum Konvensional, Bank Umum Syariah, Current Deposits in Rupiah and Foreign Currencies for
dan Unit Usaha Syariah; Conventional Commercial Banks, Sharia Commercial Banks,
and, Sharia Business Units;
5. Peraturan Anggota Dewan Gubernur No. 5 Tahun 2023 5. Board of Governors Regulation No. 5 of 2023 concerning
tentang Perubahan Kedua Atas Peraturan Anggota Dewan the Second Amendment to Board of Governors Regulation
Gubernur No. 21/28/PADG/2019 tentang Pemantauan No. 21/28/PADG/2019 concerning Monitoring of Foreign
Kegiatan Lalu Lintas Devisa Bank dan Nasabah; Exchange Traffic Activities of Banks and Customers;
6. Peraturan Anggota Dewan Gubernur No. 10 Tahun 2023 6. Board of Governors Regulation No. 10 of 2023 concerning
tentang Perubahan Keenam atas Peraturan Anggota Dewan the Sixth Amendment to Board of Governors Regulation
Gubernur No. 21/22/PADG/2019 tentang Rasio Intermediasi No. 21/22/PADG/2019 concerning Macroprudential
Makroprudensial dan Penyangga Likuiditas Makroprudensial Intermediation Ratio and Macroprudential Liquidity Buffer for
bagi Bank Umum Konvensional, Bank Umum Syariah, dan Conventional Commercial Banks, Sharia Commercial Banks,
Unit Usaha Syariah; and Sharia Business Units;
7. Peraturan Anggota Dewan Gubernur No. 12 Tahun 2023 7. Regulation of Members of the Board of Governors No. 12 of
tentang Perubahan kedua atas PADG No. 24/8/PADG/2023 2023 concerning the Second Amendment to PADG No. 24/8/
tentang Peraturan Pelaksanaan Pemenuhan Giro Wajib PADG/2023 concerning Regulations for the Implementation
Minimum dalam Rupiah dan Valuta Asing Bagi Bank Umum of Minimum Statutory Current Deposits in Rupiah and Foreign
Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah; Currencies for Conventional Commercial Banks, Sharia
Commercial Banks, and Sharia Business Units;
8. Peraturan Anggota Dewan Gubernur No. 19 Tahun 2023 8. Board of Governors Regulation No. 19 of 2023 concerning
tentang Perubahan Kelima atas Peraturan Anggota Dewan the Fifth Amendment to Board of Governors Regulation
Gubernur No. 21/25/APDG/2019 tentang Rasio Loan to No. 21/25/APDG/2019 concerning Loan-to-Value Ratio
Value untuk Kredit Properti, Rasio Financing to Value untuk for Property Loans, Financing-to-Value Ratio for Property
Pembiayaan Properti, dan Uang Muka untuk Kredit atau Financing, and Down Payment for Motor Vehicle Loans or
Pembiayaan Kendaraan Bermotor; Financing;
9. Peraturan Menteri Koordinator Bidang Perekonomian 9. Regulation of the Coordinating Minister for Economic Affairs
Republik Indonesia No. 1 Tahun 2023 tentang perubahan of the Republic of Indonesia No. 1 of 2023 concerning
atas Peraturan Menteri Koordinator Bidang Perekonomian amendments to the Regulation of the Coordinating Minister
Republik Indonesia No. 1 Tahun 2022 tentang Pedoman for Economic Affairs of the Republic of Indonesia No. 1 of
Pelaksanaan Kredit Usaha Rakyat; 2022 concerning Guidelines for the Implementation of
People’s Business Credit;
10. Peraturan Menteri Koordinator Bidang Perekonomian No. 2 10. Coordinating Minister for Economic Affairs Regulation No. 2
Tahun 2023 tentang Perlakuan Khusus Bagi Penerima Kredit of 2023 concerning Special Treatment for People’s Business
Usaha Rakyat Terdampak Pandemi Corona Virus Disease Credit Recipients Affected by the 2019 Corona Virus Disease
2019; Pandemic;
11. Peraturan Menteri Keuangan No. 41 Tahun 2023 tentang 11. Minister of Finance Regulation No. 41 of 2023 concerning
Pajak Pertambahan Nilai atas Penyerahan Agunan yang Value Added Tax on the Delivery of Collateral Taken Over by
Diambil Alih oleh Kreditur Kepada Pembeli Agunan; dan Creditors to Collateral Buyers; and
12. Keputusan Menteri Keuangan Republik Indonesia No. 317 12. Decree of the Minister of Finance of the Republic of Indonesia
Tahun 2023 tentang Besaran Subsidi Bunga/Subsidi Margin No. 317 of 2023 concerning the Amount of Interest Subsidy/
Kredit Usaha Rakyat. Margin Subsidy for People’s Business Loans.
Penentuan Suku Bunga Dasar Kredit Determining the Prime Lending Rate
Dalam upaya untuk meningkatkan transparansi dan publikasi In an effort to improve transparency and publication of the Report,
Laporan, Bank Ina menyajikan Suku Bunga Dasar Kredit (SBDK) Bank Ina presents Prime Lending Rate (SBDK) through its website
melalui situs web dan Laporan Tahunan. Langkah ini bertujuan and Annual Report. This step aims to support good corporate
untuk mendukung praktik tata kelola perusahaan yang baik governance practices and encourage healthy competition in the
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144 Laporan Tahunan 2023
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serta mendorong persaingan yang sehat di industri perbankan. banking industry. The prime lending rate calculation is based on
Perhitungan SBDK didasarkan pada beberapa faktor, seperti several factors, such as Cost of Funds for Credit (HPDK), overhead
Harga Pokok Dana untuk Kredit (HPDK), biaya overhead, dan costs, and predetermined profit margins. . However, prime
margin keuntungan yang telah ditetapkan. Namun, SBDK lending rates do not take into account the risk premium which
tidak memperhitungkan premi risiko yang mungkin bervariasi may vary depending on the risk evaluation conducted by the Bank
tergantung pada evaluasi risiko yang dilakukan oleh Bank on each debtor or group of debtors. Therefore, the loan interest
terhadap setiap debitur atau kelompok debitur. Oleh karena rate charged to debtors may differ from the prime lending rate.
itu, suku bunga kredit yang dikenakan kepada debitur mungkin
berbeda dengan nilai SBDK.
Informasi terkait perubahan SBDK tersedia di Kantor Cabang Information regarding changes in prime lending rates is available
Bank dan melalui situs web resmi www.bankina.co.id. Informasi at Bank Branches and through www.bankina.co.id official
mengenai SBDK per triwulan yang telah ditetapkan oleh Bank Ina website. Information on quarterly prime lending rates set by Bank
selama tahun 2023, diungkapkan pada tabel berikut. Ina for 2023 is disclosed in the following table.
(dalam % / in %)
Suku Bunga Dasar Kredit Berdasarkan Segmen Kredit
Prime Lending Rate Based on Credit Segment
Periode Kredit Konsumsi
Period Kredit Korporasi Kredit Ritel Consumer Loans
Corporate Credit Retail Credit KPR Non-KPR
House Loan Non-House Loan
Triwulan I 2023 / Quarter I 2023 8,32 8,32 8,32 9,82
Triwulan II 2023 / Quarter II 2023 8,46 8,46 8,46 9,96
Triwulan III 2023 / Quarter III 2023 8,98 8,98 8,98 10,48
Triwulan IV 2023 / Quarter IV 2023 9,00 9,00 9,00 10,50
Informasi Kelangsungan Usaha Information on Business Continuity
Hal yang Berpengaruh Signifikan terhadap Matters with Significant Impact on Business
Kelangsungan Usaha Continuity
Tidak terdapat hal-hal signifikan yang memengaruhi kelangsungan There were no significant matters affecting Bank Ina Perdana’s
usaha Bank Ina selama periode pelaporan. business continuity throughout the reporting period.
Assessment Manajemen untuk Mengelola Management Assessment to Manage
Potensi yang Berpengaruh Signifikan Significantly Affecting Potential
Manajemen Bank Ina telah melakukan evaluasi dan assessment Bank Ina Perdana’s management has evaluated and assessed the
terhadap kemampuan dan pencapaian target kinerja di seluruh ability and achievement of performance targets in all divisions.
divisi. Hingga Laporan Tahunan 2023 diterbitkan, Bank tidak Until the 2023 Annual Report is published, the Bank has not found
mendapatkan temuan atas ketidakpastian material yang dapat any findings on material uncertainties that may cast significant
menimbulkan keraguan yang signifikasi atas kemampuan Bank doubt on the Bank’s ability to maintain business continuity.
untuk mempertahankan kelangsungan usaha.
Asumsi yang Digunakan Manajemen dalam Assumptions Used by the Management in
Assessment Conducting Assessment
Dalam melakukan assessment, Manajemen Bank Ina In conducting the assessment, the factors considered by Bank Ina
mempertimbangkan beberapa faktor kunci, termasuk kinerja Perdana’s Management consist of financial performance, level of
keuangan, tingkat kecukupan modal, likuiditas, profitabilitas, capital adequacy, liquidity, profitability, internal problems, as well
permasalahan internal, dan perkara hukum yang dihadapi saat ini as current and future legal cases.
dan yang mungkin timbul di masa depan.
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Tinjauan
Pendukung
Bisnis
Business Support
Overview
05
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Tinjauan Pendukung Bisnis
Business Support Overview
Sumber Daya Manusia
Human Resources
Sumber daya manusia (SDM) merupakan elemen utama Bank Human resources (HR) are the main elements of Bank Ina that
Ina yang menjadi penggerak dalam pencapaian tujuan dan drive the achievement of business goals and targets. Therefore,
target usaha. Maka dari itu, Bank senantiasa menjaga komitmen the Bank is always committed to managing human resources
untuk mengelola SDM dengan baik dan berkelanjutan, guna properly and sustainably, in order to produce capable, qualified
menghasilkan SDM yang cakap, mumpuni, dan mampu bersaing HR who are able to compete in various business changes in the
dalam berbagai perubahan bisnis di masa yang akan datang. future.
Jumlah dan Komposisi SDM HR Number and Composition
Bank Ina senantiasa menyesuaikan jumlah SDM dengan Bank Ina always adjusts the number of its HR to the latest business
perkembangan bisnis, dengan tetap memperhatikan rencana developments, but still considers the short-, medium-, and
bisnis jangka pendek, menengah, dan panjang. Jumlah SDM Bank long-term business plans. The number of the Bank’s HR in the last
dalam 5 tahun terakhir diungkapkan sebagai berikut. 5 years is disclosed as follows.
Jumlah SDM Bank Ina Tahun 2019-2023
Total HR of Bank Ina 2019-2023
997
739
619
585
521
2019 2020 2021 2022 2023
Di sisi lain, pengelolaan SDM yang terarah dan sistematis On the other hand, directed and systematic HR management has
berdampak pada komitmen Bank dalam menjaga aspek an impact on the Bank’s commitment to maintaining aspects of
keberagaman dan kesetaraan gender di lingkungan internal. diversity and gender equality in the internal environment. This is
Hal tersebut tercermin pada perbandingan jumlah SDM dalam reflected in the comparison of the number of HR in the last 3
3 tahun terakhir yang diungkapkan sebagai berikut. years, which is disclosed as follows.
Komposisi Karyawan berdasarkan Jenjang Pendidikan
Composition of Employees based on Education Level
2023 2022 2021
Jenjang Pendidikan Pria Wanita Total Pria Wanita Total Pria Wanita Total Educational level
Male Female Total Male Female Total Male Female Total
S3 2 1 3 2 - 2 2 1 3 Doctorate
S2 42 35 77 29 22 51 20 17 37 Master
S1 345 234 579 238 148 386 193 127 320 Bachelor
D3-D4 46 26 72 37 19 56 25 16 41 Diploma 3-Diploma 4
D1 2 3 5 2 2 4 1 1 2 Diploma 1
< SLTA 211 50 261 200 40 240 180 36 216 < High School
Total 648 349 997 508 231 739 421 198 619 Total
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Komposisi Karyawan berdasarkan Rentang Usia
Composition of Employees based on Age Range
2023 2022 2021
Rentang Usia Pria Wanita Total Pria Wanita Total Pria Wanita Total Age Range
Male Female Total Male Female Total Male Female Total
20-24 46 37 83 35 33 68 30 26 56 20-24
25-29 155 122 277 115 73 188 98 56 154 25-29
30-34 128 44 172 104 31 135 85 31 116 30-34
35-39 114 56 170 82 31 113 68 27 95 35-39
40-44 72 23 95 59 19 78 46 19 65 40-44
45-49 59 22 81 48 18 66 39 16 55 45-49
50-54 38 17 55 39 11 50 33 10 43 50-54
>55 36 28 64 26 15 41 22 13 35 >55
Total 648 349 997 508 231 739 421 198 619 Total
Komposisi Karyawan berdasarkan Tingkatan Jabatan
Composition of Employees based on Position Levels
2023 2022 2021
Rentang Usia Pria Wanita Total Pria Wanita Total Pria Wanita Total Age Range
Male Female Total Male Female Total Male Female Total
Dewan Komisaris 2 1 3 2 1 3 2 1 3 Board of Commissioners
Direksi 4 1 5 4 1 5 4 1 5 Board of Directors
Assistant Vice President - Assistant Vice President -
31 22 53 29 14 43 22 13 35
Executive Vice President Executive Vice President
Manager - Senior Manager - Senior
74 38 112 46 20 66 36 15 51
Manager Manager
Senior Supervisor 50 32 82 41 23 64 35 25 60 Senior Supervisor
Officer - Supervisor 115 97 212 77 69 146 47 45 92 Officer - Supervisor
Administration - Senior Administration - Senior
188 147 335 160 103 263 144 98 242
Administration Administration
Supporting Supporting (Including
184 11 195 149 - 149 131 - 131
(Termasuk Alih Daya) Outsourcing)
Total 648 349 997 508 231 739 421 198 619 Total
Komposisi Karyawan berdasarkan Status Kepegawaian
Composition of Employees based on Employment Status
2023 2022 2021
Status
Pria Wanita Total Pria Wanita Total Pria Wanita Total Employment Status
Kepegawaian
Male Female Total Male Female Total Male Female Total
Tetap 270 178 448 209 131 340 182 103 285 Permanent
Tidak Tetap 200 160 360 158 100 258 116 95 211 Non-Permanent
Outsourcing 178 11 189 141 - 141 123 - 123 Outsourcing
Total 648 349 997 508 231 739 421 198 619 Total
Komposisi Karyawan berdasarkan Masa Kerja
Composition of Employees based on Years of Service
2023 2022 2021
Masa Kerja Pria Wanita Total Pria Wanita Total Pria Wanita Total Years of Service
Male Female Total Male Female Total Male Female Total
> 20 11 6 17 12 5 17 11 5 16 > 20
15-20 6 8 14 10 9 19 12 8 20 15-20
10-15 27 21 48 21 19 40 20 14 34 10-15
5-10 65 36 101 40 32 72 42 30 72 5-10
0-5 539 278 817 425 166 591 336 141 477 0-5
Total 648 349 997 508 231 739 421 198 619 Total
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Tinjauan Pendukung Bisnis
Business Support Overview
Tingkat Perputaran Karyawan
Employee Turnover Rate
Uraian 2023 2022 2021 Description
Karyawan Akhir Tahun 997 739 619 End of Year Employee
Karyawan yang Keluar 123 101 96 Employees Leaving
Mengundurkan Diri 96 82 69 Resign
Pensiun 5 1 4 Pension
Putus Hubungan Kerja - 1 2 Layoff
Lain-Lain 22 17 21 Others
Tingkat Perputaran Karyawan (%) 14,17 14,87 15,95 Employee Turnover Rate (%)
Tata Kelola SDM HR Governance
Pengelolaan SDM Bank Ina merupakan tanggung jawab Divisi Bank Ina’s HR management is the responsibility of the Human
Human Capital (HC) di bawah pengawasan Liza L Widyasari, yang Capital (HC) Division, under the supervision of Liza L Widyasari,
bertanggung jawab langsung kepada Direktur Utama. Divisi HC who is directly responsible to the President Director. HC Division
memiliki kewenangan untuk berkolaborasi dengan divisi/unit kerja has the authority to collaborate with other divisions/work units
lainnya guna memastikan bahwa Bank memiliki SDM yang solid, to ensure that the Bank has solid human resources, capable to
sehingga mampu memberikan pelayanan yang optimal kepada provide optimal services to customers. In 2023, HC Division carried
nasabah. Pada tahun 2023, Divisi HC melakukan pembenahan, out HR improvements, development, and management directed
pengembangan, dan pengelolaan SDM yang diarahkan untuk at supporting the Bank’s overall strategy.
mendukung strategi Bank secara menyeluruh.
Roadmap Perencanaan Tenaga Kerja Manpower Planning Roadmap
Penyusunan roadmap perencanaan tenaga kerja Bank Ina disesuaikan Bank Ina’s manpower planning roadmap is prepared by adjusting
dengan kebutuhan SDM di setiap divisi/unit kerja. Kebutuhan SDM to HR needs in each division/work unit. The HR needs are
tersebut kemudian diidentifikasi, mencakup kualifikasi calon SDM, then identified, including the qualifications of HR candidates,
metode dan proses rekrutmen, serta penetapan program pelatihan recruitment methods and processes, as well as establishing HR
SDM, baik di bidang soft skill ataupun technical-skill. Aspek lain training programs, both in the field of soft-skill or technical-skill.
yang dipertimbangkan dalam memenuhi kebutuhan SDM, yakni Other aspects considered in meeting HR needs are the suitability
kesesuaian kemampuan tenaga kerja dengan produk yang akan of labor capabilities with the products to be launched and policies
diluncurkan serta kebijakan yang ditetapkan pemerintah. set by the government.
Pemenuhan SDM juga diselaraskan dengan pengembangan bisnis HR fulfillment is also aligned with the Company’s future business
Perseroan ke depannya. Sesuai dengan Rencana Bisnis Bank (RBB), development. In accordance with the Bank’s Business Plan (BBP),
Bank Ina akan melakukan penambahan karyawan untuk bidang bisnis, Bank Ina will add employees for business, foreign exchange
aktivitas devisa, dan teknologi informasi (TI). Bank juga berencana activities, and information technology (IT). The Bank also plans to
membentuk unit-unit kerja baru, di antaranya Departemen Priority establish new work units, including Priority & Wealth Management
& Wealth Management, Marketing Strategy & Sales Management, Department, Marketing Strategy & Sales Management, Operation
Operation Development, dan reorganisasi dalam organisasi TI. Development, and reorganization IT unit. Thus, the Bank improves
Untuk itu, Bank melakukan pembenahan dan pemberdayaan SDM and empowers its HR in terms of policies, employee relations, and
melalui segi kebijakan, hubungan karyawan, serta melaksanakan regularly reviews HR performance, in order to achieve the targets
peninjauan terhadap kinerja SDM secara berkala, agar mampu set by the Bank to the maximum extent.
mencapai target yang dituju oleh Bank dengan maksimal.
Program Rekrutmen Recruitment Program
Pada tahun 2023, Bank menerima 333 karyawan baru melalui program In 2023, the Bank hired 333 new employees through a systematic
rekrutmen yang sistematis. Proses ini melibatkan berbagai platform, recruitment program. This process involves various platforms,
termasuk media sosial, layanan situs karier, dan menyediakan saluran including social media, career site services, and dedicated channels
khusus untuk program lowongan kerja. Tujuannya agar setiap calon provided for job vacancy programs, so that every prospective
karyawan yang mengikuti program rekrutmen dapat memahami employee entering the recruitment program can understand the
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syarat dan potensi yang dibutuhkan Bank. Divisi HC juga secara rutin requirements and potential required by the Bank. The HC Division
mengembangkan program rekrutmen agar lebih strategis dan efektif also regularly develops recruitment programs to be more strategic
guna mendukung rencana bisnis Bank secara berkelanjutan dan and effective to support the Bank’s business plans in a sustainable
senantiasa menerapkan prinsip Know Your Employee (KYE). manner and always applies Know Your Employee (KYE) principle.
Pengembangan Kualitas SDM HR Quality Development
Bank Ina memprioritaskan pengembangan kualitas SDM guna Bank Ina prioritizes HR quality development to mitigate challenges
memitigasi tantangan di dunia perbankan yang dinamis. Salah satu in the dynamic banking world. One of the steps taken is to
langkah yang diambil adalah melanjutkan program pengembangan continue the previously ongoing HR development program ,
SDM yang sudah berjalan sebelumnya, termasuk pemberian including providing mandatory training in the form of technical
pelatihan yang bersifat mandatory berupa pelatihan teknis, meliputi: training, which covers:
1. Sertifikasi Manajemen Risiko; 1. Risk Management Certification;
2. Refreshment Sertifikasi Manajemen Risiko; 2. Refreshment of Risk Management Certification;
3. Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme 3. Anti-Money Laundering and Counter-Terrorism Financing
(APU-PPT); (AML-CTF);
4. Kesadaran Anti-Fraud; 4. Anti-Fraud Awareness;
5. Sertifikasi Treasury; serta 5. Treasury Certification; and
6. Pelatihan Berbasis Kompetensi dan Sertifikasi di Bidang Sistem 6. Competency-Based Training and Certification in Payment
Pembayaran dan Pengelolaan Uang Rupiah (SPPUR). System and Rupiah Currency Management (SPPUR).
Pelatihan yang bersifat mandatory dilaksanakan secara bertahap The training is mandatory and held in stages to cover all employees,
untuk seluruh karyawan, termasuk Dewan Komisaris, Direksi, Pejabat including the Board of Commissioners, Board of Directors, Bank
Bank pada unit kerja, serta jabatan tertentu. Bank juga menyediakan Officers in work units, and certain positions. The Bank also
pengembangan kompetensi melalui pelatihan soft skill, dengan provides competency development through soft skills training,
tujuan meningkatkan keterampilan komunikasi para karyawan. with the aim of improving employees’ communication skills.
Berikut informasi terkait pelatihan yang diikuti karyawan Bank, baik The following is information related to training attended by Bank
mandatory ataupun soft skill dalam 3 tahun terakhir. employees, both mandatory and soft skills in the last 3 years.
2023 2022 2021
Nama Program Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Program Name Program Peserta Program Peserta Peserta Peserta
Number of Number of Number of Number of Number of Number of
Programs Participants Programs Participants Participants Participants
Technical Skill (operasional, kredit,
manajemen risiko, treasury, legal,
teknologi informasi, dan lainnya)
69 3.572 134 3.471 112 2.680
Technical Skill (operational, credit,
risk management, treasury, legal,
information technology, and others)
Soft skill (leadership, problem
solving, dan personal development)
66 235 29 267 13 137
Soft Skill (leadership, problem
solving, and personal development)
Adapun informasi mengenai pelatihan karyawan berdasarkan As for the information on employee training based on position
tingkatan jabatan dan program pelatihan untuk tahun 2023 level and training program for 2023 is described as follows.
diuraikan sebagai berikut.
Pelatihan
Program Pelatihan Training
Training Program
BoM M O A Total %
Technical Skill 35 49 54 33 171 84,24
Soft Skill 9 15 6 2 32 15,76
Total 44 64 60 35 203 100,00
Keterangan / Remark:
BoM : Board of Management M : Manager O : Officer A : Administration
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Tinjauan Pendukung Bisnis
Business Support Overview
Pelatihan Karyawan Berdasarkan Jam Pelatihan
Employee Training Based on Training Hours
Satuan
Uraian 2023 2022 2021 Descriptions
Unit
Jam Pelatihan Jam / Hour 61.823 53.450 20.530 Training Hours
Jam/Orang /
Jam Pelatihan per Karyawan 66.91 81.47 44.82 Training Hours per Employee
Hour/People
2023 Total
Pria Wanita Pria dan Wanita
Male Female Male and Female
Level Organisasi Total Jam
Rerata Jam
Organizational Total Jam Total Jam Rata-Rata Pelatihan
Pelatihan Seluruh
Level Pelatihan Rata-Rata Pelatihan Jam Pelatihan Seluruh
Karyawan
Total Jam Pelatihan Total Average Karyawan
Average Training
Training Average Training Training Total Training
Hours for All
Hours Hours Hours Hours for All
Employees
Employees
Board of Management 1.428 46.07 1.327 22.11 2.755 52
Manager 5.691 57.48 2.844 46.63 8.535 53
Officer 23.084 240.46 17.371 190.88 40.455 216
Administration 5.535 32.18 4.543 32.68 10.078 33
Dalam rangka mendukung proses bisnis, terutama pada bidang In order to support business processes, especially loans, the Bank
kredit, Bank menyelenggarakan pelatihan terencana dan termonitor organizes planned and monitored training under the name Credit
dengan nama Credit Analyst Development Program (CADP) untuk Analyst Development Program (CADP) for employees in related
karyawan di departemen terkait. Pelatihan ini terbuka bagi karyawan departments. This training is open to both new and experienced
baru maupun yang telah berpengalaman di Bank Ina. Per Desember employees at Bank Ina. As of December 2023, there are 24
2023, terdapat 24 karyawan yang diberikan pengetahuan dan employees who have been equipped with knowledge and skills
keterampilan terkait proses kredit dan telah ditempatkan di berbagai related to loan process and have been placed in various branch
cabang Bank Ina. Ke depannya, program ini akan dikembangkan offices of Bank Ina. Going forward, the program will be expanded
untuk mencakup setiap aspek bisnis lainnya. to cover every other aspect of the business.
Investasi Pengembangan SDM HR Development Investment
Berikut informasi terkait biaya investasi pengembangan SDM Bank The following information is related to Bank Ina’s HR development
Ina dalam 3 tahun terakhir. investment costs in the last 3 years.
2023 2022 2021
Rp4.513.087.735,- Rp3.811.109.696,- Rp586.866.108,-
Total biaya investasi tersebut dialokasikan untuk program pelatihan The total investment cost is allocated for online and face-to-face
daring dan tatapan muka, baik yang diadakan oleh pihak internal training programs, both conducted by internal and external parties
maupun eksternal Bank. Program tersebut telah berjalan dengan of the Bank. The program has been running well and effectively,
baik dan efektif, diikuti oleh karyawan di setiap bidang, seperti attended by employees in every field, such as operations,
operasional, pemasaran dan kredit, treasury, teknologi informasi, marketing and credit, treasury, information technology, risk
manajemen risiko, akuntansi, dan bidang lainnya. management, accounting, and other fields.
2023 2022 2021
Jenis Program Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Type of Program Program Peserta Program Peserta Program Peserta
Number of Number of Number of Number of Number of Number of
Programs Participants Programs Participants Programs Participants
In-house Program 34 1.988 58 2.849 37 2.663
External Program 101 1.819 105 889 88 154
PT Bank Ina Perdana Tbk
152 Laporan Tahunan 2023
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Penilaian Kinerja Performance Assessment
Bank Ina melakukan penilaian kinerja secara berkala dengan Bank Ina conducts periodic performance assessment by adhering
berpegang teguh pada prinsip objektivitas dan keadilan. Penilaian to the principles of objectivity and fairness. This assessment
ini menggunakan indikator key performance indicator (KPI) yang uses key performance indicators (KPI) set by direct superior in
diatur oleh pimpinan langsung di setiap divisi/unit kerja, namun each division/work unit, but still considers the competence,
tetap mempertimbangkan kompetensi, performa, dan perilaku performance, and behavior of each employee. The assessment
masing-masing karyawan. Hasil penilaian dari setiap divisi/unit kerja results from each division/work unit are reported to the HC
dilaporkan kepada Divisi HC untuk menjalani proses penilaian akhir, Division to undergo the final assessment process, which is then
yang selanjutnya menjadi pertimbangan Bank dalam pengambilan taken into consideration by the Bank in making decisions related
keputusan terkait promosi jabatan, perubahan status kepegawaian, to promotions, changes in employment status, giving rewards or
pemberian hadiah ataupun sanksi, serta penetapan remunerasi. sanctions, and determining remuneration. The Bank also ensures
Bank juga menjamin bahwa proses penilaian kinerja karyawan that the employee performance assessment process is carried out
dilaksanakan sesuai pedoman yang berlaku, tanpa adanya benturan in accordance with applicable guidelines, without any conflict of
kepentingan ataupun intervensi dari pihak lain. interest or intervention from other parties.
Rencana Pengembangan SDM 2024 HR Development Plan 2024
Divisi HC menyusun rencana pengembangan SDM yang The HC Division prepares HR development plans that are aligned
diselaraskan dengan perubahan industri terkini, dengan fokus with the latest industry changes, with a special focus on banking
khusus pada proses digitalisasi perbankan. Langkah ini ditujukan digitalization process. This step is aimed at optimizing services
untuk mengoptimalkan layanan dan memenuhi kebutuhan and meeting customer needs in an era of increasingly massive
nasabah di era digitalisasi yang semakin masif. Oleh karena itu, digitalization. Therefore, the strategic steps that have been
langkah-langkah strategis yang telah ditetapkan Bank terkait determined by the Bank regarding HR development plans in 2024
rencana pengembangan SDM di tahun 2024, di antaranya: include:
1. Memperkuat Budaya Perusahaan (Corporate Value) guna 1. Strengthening Corporate Value to ensure HR programs are
memastikan program SDM telah sesuai dan mampu mendukung appropriate and able to support the Bank’s overall business
rencana dan strategi bisnis Bank secara menyeluruh; plans and strategies;
2. Menerapkan mekanisme rekrutmen yang lebih efektif dan 2. Implementing a more effective recruitment mechanism that
memenuhi kebutuhan SDM yang andal guna mendukung meets the needs of reliable human resources to support the
rencana pengembangan bisnis Bank ke depan; Bank’s future business development plans;
3. Meningkatkan kualitas dan kompetensi SDM melalui program 3. Improving the quality and competence of HR through training
pelatihan dan pengembangan kompetensi, antara lain: and competency development programs, among others:
a. Sertifikasi kompetensi kerja di sektor perbankan; a. Certification of work competence in the banking sector;
b. Sertifikasi kompetensi selain kompetensi kerja di sektor b. Certification of competencies other than work
perbankan; dan competencies in the banking sector; and
c. Peningkatan kompetensi lainnya, baik technical skills c. Improving other competencies, both technical skills and
maupun soft skills, dengan menitikberatkan pada pelatihan soft skills, by focusing on training in credit, operational,
di bidang perkreditan, operasional, treasury, IT, dan treasury, IT, and other supporting training;
pelatihan-pelatihan di bidang lainnya yang mendukung;
4. Menerapkan sistem penilaian kinerja pegawai yang lebih 4. Implementing a more transparent employee performance
transparan dan diikuti dengan pemberian reward dan assessment system, followed by consistent and fair rewards
punishment yang konsisten dan adil kepada seluruh pegawai and punishments to all employees in order to encourage the
dalam rangka mendorong peningkatan kinerja SDM yang ada; improvement of existing HR performance;
5. Mengembangkan program manajemen talenta dan suksesi 5. Developing a talent management and succession program
dengan memberdayakan dan mengoptimalkan SDM yang by empowering and optimizing existing HR and providing
ada serta memberikan kesempatan bagi pegawai untuk opportunities for employees to develop their careers as widely
mengembangkan karier seluas-luasnya di Bank; as possible in the Bank;
6. Mengembangkan promosi bagi pegawai yang berprestasi, 6. Developing promotions for outstanding employees, as part of
sebagai bagian dari pengembangan karier pegawai; employees’ career development;
7. Menerapkan program mutasi atau rotasi sesuai kebutuhan 7. Implementing a transfer or rotation program according to the
Bank; dan Bank’s needs; and
8. Menerapkan good corporate governance (GCG) untuk 8. Implementing good corporate governance (GCG) to ensure
memastikan kepatuhan Bank dengan peraturan-peraturan the Bank’s compliance with applicable labor regulations and
ketenagakerjaan yang berlaku dan fungsi SDM, sekaligus HR functions, while adjusting the organizational structure
melakukan penyesuaian struktur organisasi sesuai kebutuhan according to the Bank’s needs.
Bank.
PT Bank Ina Perdana Tbk
2023 Annual Report 153
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Tinjauan Pendukung Bisnis
Business Support Overview
Teknologi Informasi
Information Technology
Industri perbankan memerlukan dukungan teknologi informasi (TI) The banking industry requires information technology (IT) support
agar aktivitas operasional berjalan efektif dan efisien, serta mampu so that operational activities run effectively and efficiently, and are
beradaptasi dengan berbagai perubahan bisnis, termasuk kondisi able to adapt to various business changes, including post-pandemic
pasca pandemi seperti saat ini. Melalui Divisi Digital Technology, conditions like today. Through the Digital Technology Division, the
Bank berupaya meningkatkan kualitas penerapan TI, terutama Bank seeks to improve the quality of IT implementation, especially
dalam pemenuhan layanan digital nasabah. Adapun inisiatif in fulfilling customer digital services. The Bank’s IT development
pengembangan TI Bank saat ini difokuskan pada pembenahan initiatives are currently focused on improving infrastructure,
infrastruktur, sumber daya manusia, dan teknologi informasi untuk human resources, and information technology to be able to
dapat menyiapkan core bisnis yang berbasis IT/digital banking, prepare IT/digital banking-based core business, expand customer
memperluas customer base, serta kecukupan terselenggaranya base, and adequately implement internal control aspect.
aspek internal control.
Tata Kelola TI IT Governance
Tata kelola TI disusun Bank Ina untuk membantu menjaga Bank Ina’s IT governance is designed to help maintain the
keandalan, integritas, serta kerahasiaan sistem dan data, reliability, integrity, and confidentiality of system and data, while
sekaligus mengurangi risiko terkait teknologi. Tata kelola TI ini reducing technology-related risks. This IT governance is structured
disusun melalui kebijakan dan standar operasional prosedur through policies and standard operating procedures (SOP), guided
(SOP), berpedoman pada Peraturan Otoritas Jasa Keuangan, serta by Financial Services Authority Regulations, and aligned with the
diselaraskan dengan jenis dan strategi bisnis Bank. Bank’s business type and strategy.
Penerapan tata kelola TI juga memperhatikan perkembangan The IT governance is implemented by considering the latest
digitalisasi terkini dan melakukan peninjauan untuk development in digitalization and reviewed to optimize its
mengoptimalkan penerapannya. Selain itu, Divisi Digital implementation. In addition, the Digital Technology Division
Technology melakukan peninjauan mengenai tata kelola TI, terkait reviews the IT governance on the following matters.
hal berikut.
1. Perencanaan TI 1. IT Planning
Panduan unit kerja dalam melakukan perencanaan TI yang Guidance for work units in carrying out IT planning which
meliputi perencanaan inisiatif strategis TI, proses perencanaan includes IT strategic planning initiatives, annual IT planning
TI tahunan, proses riset, dan kajian strategis TI. process, research process, and IT strategic reviews.
2. Project Management 2. Project Management
Panduan dalam tahapan pengembangan project inisiatif Guidance in stages of IT strategic initiative project
strategis TI sehingga setiap proses pada fase pengembangan development so that each process in the development phase
tersebut terdapat standardisasi dalam pelaksanaannya dengan has standardization in its implementation while still prioritizing
tetap mengutamakan kualitas dari setiap project tersebut. the quality of each project.
3. Pengelolaan Operasional TI 3. IT Operations Management
Panduan yang mengatur tentang pengelolaan operasional Guidelines governing the management of IT operations,
TI, termasuk di dalamnya pengelolaan sistem operasional, including management of operational systems, management
pengelolaan proses backup and restore, pengelolaan of backup and restore process, hardware and software
perangkat keras dan perangkat lunak, serta pengelolaan data management, and data center management.
center.
4. Pengamanan TI 4. IT Security
Panduan unit kerja mengenai aspek pengamanan TI, termasuk Work unit guidelines regarding aspects of IT security, including
di dalamnya pengamanan fisik dan lingkungan, pengamanan physical and environmental security, network security, and
jaringan, serta pengamanan sistem aplikasi. application system security.
5. Penggunaan Penyedia Barang/Jasa TI 5. Use of IT Goods/Services Providers
Merupakan panduan yang mengatur mengenai proses untuk A guide that regulates the process for the selection of IT
pemilihan penyedia barang/jasa TI dan evaluasinya. goods/ services providers and its evaluation.
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Di sisi lain, Bank Ina senantiasa memastikan bahwa proses tata On the other hand, Bank Ina always ensures that IT governance
kelola TI sejalan dengan peraturan dan praktik terbaik untuk processes are in line with regulations and best practices to avoid
menghindari setiap risiko dan ancaman akibat perkembangan any risks and threats due to technological developments. The Bank
teknologi. Bank telah membentuk Komite Pengarah Teknologi has established an Information Technology Steering Committee
Informasi yang memantau semua potensi risiko dan ancaman that monitors all potential risks and threats due to technological
akibat perkembangan teknologi, yang kemudian diidentifikasi, developments, which are then identified and reported to the Board
dan dilaporkan kepada Direksi untuk ditelaah kembali dan of Directors for review and follow-up. Through this committee,
mendapatkan arahan tindaklanjut. Melalui komite tersebut, the Board of Directors can ensure that IT management is carried
Direksi dapat menjamin pengelolaan TI dilakukan secara out in an anticipatory manner, especially in the face of disruption,
antisipatif, khususnya dalam menghadapi gangguan (disruption), cyber security, and disaster recovery.
keamanan dunia maya (cyber security), dan pemulihan bencana
(disaster recovery).
Satuan Penyelenggara Teknologi Informasi Information Technology Organizing Unit
Bank Ina membentuk Satuan Penyelenggara Teknologi Bank Ina established a Information Technology Organizing Unit
Informasi di bawah koordinasi Wakil Direktur Utama. Satuan under the coordination of the Vice President Director. This unit is
ini bertanggung jawab dalam mengelola dan mengembangkan responsible for managing and developing IT activities within the
aktivitas TI di internal Bank serta senantiasa diawasi dan ditinjau Bank and is constantly supervised and reviewed by the Information
oleh Komite Pengarah Teknologi Informasi. Hal ini dilakukan untuk Technology Steering Committee. This is to ensure that the process
memastikan bahwa proses pengembangan dan pemeliharaan of developing and maintaining IT systems runs according to the
sistem TI berjalan sesuai standar dan kebutuhan Bank. Dengan standards and needs of the Bank. Thus, an effective and efficient
demikian, diharapkan terbentuk pelaksanaan aktivitas operasional implementation of operational activities is expected.
yang efektif dan efisien.
Dalam rangka memaksimalkan pelaksanaan tugas dan tanggung In order to maximize the execution of its duties and responsibilities,
jawabnya, Satuan Penyelenggara Teknologi Informasi didukung the Information Technology Organizing Unit is supported by
oleh 3 divisi dengan peran sebagai berikut. 3 divisions with the following roles.
1. Divisi Digital Technology, bertanggung jawab 1. Digital Technology Division, responsible for developing
mengembangkan dan memantau operasi dari teknologi and monitoring information technology operations for digital
informasi untuk strategi bisnis digital banking. banking business strategies.
2. Divisi Branch & Commercial Banking Technology, 2. Branch & Commercial Banking Technology Division,
bertanggung jawab untuk pengembangan teknologi responsible for developing information technology in the
informasi pada strategi bisnis Direktorat Retail Banking,serta business strategy of the Retail Banking Directorate, as well as
Direktorat Commercial Banking and Treasury. the Commercial Banking and Treasury Directorate.
3. Divisi Technology Operation & Control Unit, bertanggung 3. Technology Operation & Control Unit Division,
jawab untuk memantau operasi, internal control, serta responsible for monitoring operations, internal control, and
keamanan teknologi informasi. information technology security.
Sementara tugas dan tanggung jawab Satuan Penyelenggara Meanwhile, the duties and responsibilities of the Information
Teknologi Informasi, yaitu memastikan sistem dan perangkat Technology Organizing Unit are to ensure that the systems and
yang digunakan Bank dapat beroperasi dengan baik; melakukan devices used by the Bank can operate properly; to develop systems
pengembangan sistem dan peningkatan perangkat sesuai dengan and upgrade devices in accordance with the Bank’s business
perkembangan bisnis Bank; serta memaksimalkan TI sebagai alat development; and to maximize IT as a leverage tool to help drive
ungkit untuk membantu mendorong perkembangan bisnis. business development.
Investasi dan Pencapaian TI di Tahun 2023 IT Investment and Achievements in 2023
Bank Ina senantiasa melakukan investasi TI yang bertujuan untuk Bank Ina continuously invests in IT to improve the value proposition
meningkatkan value proposition bagi nasabah, meningkatkan for customers, increase competitiveness, and build IT governance
daya saing, serta membangun tata kelola TI yang bekerja that works optimally and sustainably, ensuring the Bank’s business
secara maksimal dan berkelanjutan, sehingga mampu menjaga sustainability in the present and in the future.
keberlangsungan bisnis Bank di masa kini dan di masa mendatang.
PT Bank Ina Perdana Tbk
2023 Annual Report 155
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Tinjauan Pendukung Bisnis
Business Support Overview
Selama tahun 2023, Bank Ina telah melakukan pembaruan TI Throughout 2023, Bank Ina made IT updates with regard to the
dengan memperhatikan kondisi industri perbankan terkini, seperti: latest banking industry conditions, such as
1. INA Mobile versi 3, mencakup login menggunakan fingerprint/ 1. INA Mobile version 3, including fingerprint/biometric login,
biometric, fitur blokir dan aktivasi kartu, serta e-Statement; card blocking and activation features, and e-Statements;
2. Internet Banking Bisnis versi 2 yang mencakup fitur transfer 2. Business Internet Banking version 2 which includes multi-account
multi rekening untuk Sistem Kliring Nasional (SKN) dan Real transfer features for National Clearing System (SKN) and Real
Time Gross Settlement (RTGS), perubahan limit transaksi, Time Gross Settlement (RTGS), transaction limit changes, micro
upgrade teknologi micro services dan refresh captcha; services technology upgrades and captcha refresh;
3. Layanan Perbankan Digital (Aplikasi BINA) dengan fitur Digital 3. Digital Banking Services (BINA Application) with features of
Onboarding, Transfer BI-FAST, Transfer Online, Pembelian dan Digital Onboarding, BI-FAST Transfer, Online Transfer, Biller
Pembayaran Biller, QRIS MPM, serta Fingerprint Login; Purchase and Payment, QRIS MPM, and Fingerprint Login;
4. Pinjaman Digital BINA; dan 4. BINA Digital Loan; and
5. Layanan Agen Laku Pandai (Agen Bina). 5. Laku Pandai Agent Service (Bina Agent).
Pengembangan Kompetensi Personil TI IT Personnel Competency Development
Bank Ina menyediakan program pengembangan kompetensi Bank Ina provides competency development programs for all
bagi seluruh personil di Divisi TI (Branch & Commercial Banking personnel in the IT Division (Branch & Commercial Banking
Technology, Digital Technology, dan Technology Operation & Technology, Digital Technology, dan Technology Operation &
Control Unit). Pengembangan kompetensi tersebut bertujuan Control Unit). The competency development aims to hone and
untuk mengasah dan mengoptimalkan kemampuan personil terkait optimize the personnel’s ability on information technology updates
pembaruan teknologi informasi, serta dapat bertindak cepat dan and to enable them to act quickly and adaptively to various on
adaptif atas berbagai tren perubahan digital yang terjadi. Kegiatan groing digital change trends. IT development activities, consisting
pengembangan TI, terdiri dari pelatihan, pendidikan, seminar, of training, education, seminars, workshops, and other programs.
workshop, dan program lainnya.
Berikut program pengembangan kompetensi yang diikuti personal The following are the competency development programs
TI Bank Ina selama tahun 2023. participated by Bank Ina’s IT personnel in 2023.
Topik Pengembangan Kompetensi Penyelenggara Lokasi dan Periode Pelaksanaan Jumlah Peserta
Competency Development Topics Organizer Location and Implementation Period Number of participants
Wealth Management System PT Simian Gedung Ariobimo, Lt.3
4
January & July 2023
Induction PT Bank Ina Perdana Tbk Gedung Ariobimo
1
February 2023
Pembekalan MR Level 1 Arfaidhams Eksternal
3
MR Level 1 Debriefing March 2023
Custody System PT Simian Eksternal
6
August 2023
Green Banking & Keuangan Edy Hartono Gedung Ariobimo
3
Green Banking & FInance September 2023
OBS Settlement and Trading System (OSTS) PT OBS Solusi Teknologi Gedung Ariobimo
4
Indonesia October 2023
Sistem RBS PT OBS Solusi Teknologi Gedung Ariobimo
5
RBS System Indonesia November 2023
Sistem Modul penerimaan Negara (MPN) Kementerian Keuangan Gedung Ariobimo
1
State Revenue Module (MPN) System Ministry of Finance November 2023
Surat Berharga Nasabah Tim Treasury Gedung Ariobimo
4
Customer Securities Treasury Team November 2023
Pemadanan NIK dengan NPWP Dirjen Pajak Eksternal
4
Matching NIK with NPWP November 2023
Leadership PT Bank Ina Perdana Tbk Gedung Ariobimo, Lt. Dasar
4
November-December 2023
Pendalaman API Gateway (WSO2) PT Inovasi Informatika Ariobimo, Lt. 3
6
Deepening API Gateway (WSO2) Indonesia August 2023
PT Bank Ina Perdana Tbk
156 Laporan Tahunan 2023
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Rencana Pengembangan TI Tahun 2024 IT Development Plan for 2024
Rencana Pengembangan Teknologi Informasi (RPTI) 2024 disusun Information Technology Development Plan (RPTI) 2024 was
untuk mendukung pelaksanaan dan perkembangan strategi prepared to support the implementation and development of
Bank Ina menuju status hybrid bank. Hal ini sejalan dengan Bank Ina’s strategy towards hybrid bank status. This is in line
keyakinan bahwa bisnis digital banking akan menjadi pendorong with the belief that the digital banking business will be the
pertumbuhan bisnis baru untuk memperluas cakupan usaha di driver of new business growth to expand business coverage in
sektor usaha mikro kecil dan menengah. Proses dan relationship the micro, small, and medium enterprise sector. These processes
ini akan dikelola secara digital oleh Direktorat Digital Banking and relationships will be managed digitally by Bank Ina’s Digital
Bank Ina. Banking Directorate.
RPTI Bank Ina untuk tahun buku 2024 diuraikan sebagai berikut. Bank Ina’s RPTI for the financial year 2024 is outlined as follows.
1. RPTI untuk Mendukung Bisnis Digital Banking dan 1. RPTI to Support Digital Banking Business and
Conventional Banking Conventional Banking
a. Setor Tarik Tunai pada Merchant menggunakan aplikasi a. Cash Deposit at Merchants using INA Mobile and BINA
INA Mobile dan BINA; applications;
b. Penerapan QRIS CPM, Cross Border, dan QRIS TUNTAS b. Application of QRIS CPM, Cross Border, and QRIS TUNTAS
(Tarik Tunai, Setor, dan Transfer) pada aplikasi INA Mobile (Cash Withdrawal, Deposit, and Transfer) on INA Mobile
dan BINA; and BINA applications;
c. Layanan Tarik Tunai Tanpa Kartu melalui jaringan ATM c. Cardless Cash Withdrawal Service through ATM Bersama/
Bersama/Prima menggunakan aplikasi INA Mobile dan Prima network using INA Mobile and BINA applications;
BINA;
d. Penambahan mitra untuk layanan biller pada aplikasi d. Addition of partners for biller services on Individual
Internet Banking Individu, Internet Banking Bisnis, INA Internet Banking, Business Internet Banking, INA Mobile,
Mobile, dan BINA; and BINA applications;
e. Pengembangan e-Reconciliation System; e. Development of e-Reconciliation System;
f. Pengembangan BI-FAST phase 2 (Bulk Credit, Direct f. Development of BI-FAST phase 2 (Bulk Credit, Direct
Debit, dan Request for Payment); Debit, and Request for Payment);
g. Upgrade Fraud Detection System; dan g. Upgrade of Fraud Detection System; and
h. Pengembangan Bankwide Contact Management System. h. Development of Bankwide Contact Management System.
2. RPTI untuk Mendukung Bisnis Digital Banking 2. RPTI to Support Digital Banking Business
a. Setor Tarik Tunai pada Merchant menggunakan aplikasi a. Cash Deposit at Merchant using BINA application;
BINA;
b. Pengembangan Produk Pinjaman Cicilan dan Pinjaman b. Installment Loan and Employee Loan Product
Karyawan; Development;
c. Penerapan aplikasi BINA pada platform iOS; c. Implementation of BINA application on iOS platform;
d. Pengembangan fitur pada Aplikasi BINA phase 3; d. Development of features on BINA Application phase 3;
e. Pengembangan SNAP (Open API) phase 2 (Account e. Development of SNAP (Open API) phase 2 (Account Creation,
Creation, Penambahan API Direct Debit, di mana rekening Addition of Direct Debit API, where the loan account is the
pinjaman sebagai sumber dana pembayaran); dan source of payment funds); and
f. Pengembangan fitur pada aplikasi BINA phase 4 (micro f. Development of features in BINA phase 4 application
investment dan micro insurance). (micro investment and micro insurance).
3. RPTI untuk Mendukung Bisnis Retail Banking, 3. RPTI to Support Retail Banking, Commercial Banking,
Commercial Banking, dan Treasury (Conventional and Treasury (Conventional Banking) Business
Banking)
a. Pengembangan Surat Berharga Negara (SBN) Retail a. Development of Government Securities (SBN) Retail
Primary Market (Obligasi Negara Ritel/ORI, Sukuk Ritel/SR, Primary Market (Retail Government Bonds/ORI, Retail
Saving Bond Ritel/SBR, dan Sukuk Tabungan/ST) melalui Sukuk/SR, Retail Saving Bond/SBR, and Savings Bond/ST)
aplikasi INA Mobile; through INA Mobile application;
b. Pengembangan Wealth Management System; b. Development of Wealth Management System;
c. Pengembangan aplikasi untuk layanan Safe Deposit Box; c. Application development for Safe Deposit Box services;
d. Pengembangan aplikasi untuk layanan Bank Custodian; d. Application development for Custodian Bank services;
e. Pengembangan Loan Origination System untuk pinjaman e. Development of Loan Origination System for consumer
konsumen; loans;
f. Pengembangan aplikasi untuk layanan Bank RDN dan f. Application development for RDN Bank and Payment
Bank Pembayaran; Bank services;
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g. Pengembangan Enterprise Datawarehouse System; dan g. Development of Enterprise Datawarehouse System; and
h. Pengembangan Supply Chain Financing System. h. Development of Supply Chain Financing System.
4. RPTI untuk Mendukung Perbaikan Infrastruktur Bank 4. RPTI to Support Bank Infrastructure Improvement
a. Upgrade Email System & Online Drive System; a. Upgrade Email System & Online Drive System;
b. Peningkatan sistem keamanan dengan penerapan b. Enhanced security system by implementing extended
extended detection and response (XDR)/endpoint detection and response (XDR)/endpoint detection and re-
detection and response (EDR); sponse (EDR);
c. Peremajaan hardware, perangkat jaringan, personal c. Rejuvenation of hardware, network devices, personal
computer (PC), dan laptop; computers (PCs), and laptops;
d. Pengembangan aplikasi untuk mendukung Undang- d. Application development to support Personal Data
Undang Perlindungan Data Pribadi; dan Protection Law; and
e. Peningkatan pengelolaan jaringan dengan penerapan e. Improved network management by implementing
software defined wide area network (SD-WAN). software defined wide area network (SD-WAN).
Permodalan dan Praktik Manajemen Risiko
Capital and Risk Management Practices
Dasar Penerapan Basis of Implementation
Dasar penerapan pengelolaan permodalan dan manajemen risiko The basis for the implementation of Bank Ina’s capital management
Bank Ina, antara lain: and risk management, among others:
1. Peraturan Bank Indonesia No. 5/8/PBI/2003 tentang Penerapan 1. Bank Indonesia Regulation No. 5/8/PBI/2003 on the
Manajemen Risiko Bagi Bank Umum; Implementation of Risk Management for Commercial Banks;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 2. Financial Services Authority Regulation No. 18/POJK.03/2016 on
tentang Penerapan Manajemen Risiko bagi Bank Umum; the Implementation of Risk Management for Commercial Banks;
3. Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 3. Financial Services Authority Circular No. 34/SEOJK.03/2016 on
tentang Penerapan Manajemen Risiko bagi Bank Umum; the Implementation of Risk Management for Commercial Banks;
4. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 4. Financial Services Authority Circular No. 13/SEOJK.03/2017
tentang Penerapan Tata Kelola bagi Bank Umum; on Implementation of Governance for Commercial Banks;
5. Surat Edaran Otoritas Jasa Keuangan No. 21/ SEOJK.03/2017 5. Financial Services Authority Circular No. 21/SEOJK.03/2017
tentang Penerapan Manajemen Risiko dalam Penggunaan on the Implementation of Risk Management in the Use of
Informasi oleh Bank Umum; Infor-mation by Commercial Banks;
6. Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2022 tentang 6. Financial Services Authority Regulation No. 11/POJK.03/2022
Penyelenggaraan Teknologi Informasi oleh Bank Umum; on the Implementation of Information Technology by
Commercial Banks;
7. Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tentang 7. Financial Services Authority Regulation No. 17 of 2023 on the
Penerapan Tata Kelola bagi Bank Umum; dan Implementation of Gov-ernance for Commercial Banks; and
8. Kebijakan Internal Bank No. RMG/001/01/2019 tentang 8. Internal Bank Policy No. RMG/001/01/2019 on Guidelines for
Pedoman Penerapan Manajemen Risiko the Implementation of Risk Management
Pengungkapan Permodalan Capital Disclosure
Struktur Permodalan Capital Structure
Struktur permodalan Bank Ina diungkapkan sebagai berikut. Bank Ina’s capital structure is disclosed as follows.
1. Modal Inti (Tier 1) 1. Core Capital (Tier 1)
a. Modal Inti Utama a. Common Equity Tier 1
1) Modal Disetor 1) Paid-up capital
Modal disetor Bank per posisi 31 Desember 2023 The Bank’s paid-in capital as of December 31, 2023,
sebesar Rp613,47 miliar. was Rp613.47 billion.
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2) Cadangan Tambahan Modal 2) Disclosed Reserve
a) Faktor Penambah a) Additional Factor
Potensi keuntungan dari peningkatan nilai wajar Potential gain from increase in fair value of fi-
aset keuangan yang diukur pada nilai wajar sebesar nancial assets measured at fair value amounted
Rp1,26 miliar. Sementara itu agio saham tercatat to Rp1.26 billion. Meanwhile, agio shares were
sebesar Rp2.482,29 miliar dan faktor penambah recorded at Rp2,482.29 billion and an additional
berupa pembentukan Cadangan Umum sebesar factor in the form of the formation of General
Rp65 miliar, serta terdapat akumulasi dari laba Reserves of Rp65 billion, as well as an accumula-
ditahan sebesar Rp186,32 miliar dan laba tahun tion of retained earnings of Rp186.32 billion and
berjalan sebesar Rp212,74 miliar. profit for the year of Rp212.74 billion.
b) Faktor Pengurang b) Deduction Factor
Faktor pengurang dalam perhitungan permodalan The deducting factor in the calculation of capital for
posisi 31 Desember 2023 berasal dari: the position of December 31, 2023, comes from:
• Selisih kurang antara penyisihan penilaian • The difference between allowance for asset
kualitas aset (PPKA) dan cadangan kerugian quality assessment (PPKA) and allowance for
penurunan nilai (CKPN) atas aset produktif impairment losses (CKPN) on earning assets
sebesar Rp87,24 miliar; dan amounted to Rp87.24 billion; and
• Kewajiban penyisihan penghapusan aset • The mandatory allowance for asset losses (PPA)
(PPA) aset non-produktif yang wajib dibentuk for non-earning assets amounted to Rp14.61
sebesar Rp14,61 miliar. billion.
3) Kepentingan Non-Pengendali yang Dapat 3) Non-Controlling Interests that Can Be Calculated
Diperhitungkan
Tidak terdapat kepentingan non-pengendali yang There are no non-controlling interests that can be
dapat diperhitungkan dalam perhitungan modal. calculated in calculating capital.
4) Faktor Pengurang Modal Inti Utama 4) Main Core Capital Deduction Factor
Faktor pengurang dalam perhitungan modal inti The deducting factor in calculating the main core
utama, berasal dari aset tidak berwujud sebesar capital, comes from intangible assets of Rp25.43
Rp25,43 miliar dan perhitungan pajak tangguhan billion, and deferred tax calculations of Rp28.49 billion.
sebesar Rp28,49 miliar.
b. Modal Inti Tambahan b. Additional Tier 1
Bank Ina tidak memiliki instrumen yang dapat Bank Ina does not have instruments that can be
dikategorikan sebagai modal inti tambahan. categorized as additional.
2. Modal Pelengkap (Tier 2) 2. Complementary Capital (Tier 2)
Jumlah cadangan umum PPA atas aset produktif yang wajib The total reserve for provision for PPA for earning assets that
dibentuk tercatat sebesar Rp162,96 miliar. Sementara itu, must be formed is recorded at Rp162.96 billion. Meanwhile,
penempatan dana pada instrumen tier 2 pada bank lain placement of funds in tier 2 instruments at other banks is
sebesar Rp10,01 miliar, sehingga modal pelengkap (tier 2) Rp10.01 billion, and thus, supplementary capital (tier 2) was
sebesar Rp152,96 miliar. Rp152.96 billion.
Kewajiban Pembentukan Tambahan Modal Obligations to Form Additional Capital
1. Capital Conservation Buffer 1. Capital Conservation Buffer
Bank Ina masih tergolong sebagai Kelompok Bank berdasarkan Bank Ina is still classified as Bank Groups based on Core Capital
Modal Inti (KBMI) 1 sehingga tidak wajib membentuk Capital (KBMI) 1 so it is not mandatory to form Capital Conservation
Conservation Buffer. Buffer.
2. Countercyclical Buffer 2. Countercyclical Buffer
Pembentukan Countercyclical Buffer sesuai Peraturan Otoritas The establishment of Countercyclical Buffer according to
Jasa Keuangan No. 11/POJK.03/2016 tentang Kewajiban Financial Services Authority Regulation No. 11/POJK.03/2016
Penyediaan Modal Minimum Bank Umum dan Surat Deputi on Minimum Capital Adequacy Requirement for Commercial
Gubernur Bank Indonesia No. 17/46/DpG/DKMP tentang Banks and the letter of the Deputy Governor of Bank
Kewajiban Pembentukan Countercyclical Buffer sebesar 0% Indonesia No. 17/46/DpG/DKMP on Obligations to Establish
telah diberlakukan efektif per 1 Januari 2016, dan sesuai Countercyclical Buffer of 0% has been effective as of January
dengan Siaran Pers Bank Indonesia tanggal 20 Oktober 2022 1, 2016, and in accordance with Bank Indonesia Press Release
yang belum ada perubahan. dated October 20, 2022, which has not been changed.
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3. Capital Surcharge 3. Capital Surcharge
Bank Ina bukan termasuk Bank yang ditetapkan sebagai Bank Ina is not a Bank that is designated as a Bank with a
Bank yang berdampak sistemik, sehingga tidak wajib systemic impact, so it is not required to form a capital surcharge.
membentuk capital surcharge.
Kecukupan Permodalan Capital Adequacy
Bank Ina mempunyai profil risiko pada peringkat 2 atau “Low Bank Ina has a risk profile of rating 2 or “Low to Moderate.”
to Moderate.” Maka dari itu, merujuk pada Peraturan Otoritas Therefore, referring to the Financial Services Authority Regulation
Jasa Keuangan No. 11/POJK.03/2016 tentang Kewajiban Modal No. 11/POJK.03/2016 on Minimum Capital Requirements for
Minimum Bank Umum, Bank wajib menyediakan modal minimum Commercial Banks, the Bank is required to provide minimum
paling rendah sebesar 9% sampai dengan kurang dari 10% dari capital of at least 9% to less than 10% of total Risk Weighted
total Aset Tertimbang Menurut Risiko (ATMR). Pada tahun 2023, Assets (RWA). In 2023, the Bank had total capital of Rp3,558.27
Bank mempunyai total modal sebesar Rp3.558,27 miliar dengan billion with a ratio of 25.01% of total RWA. Based on the total
rasio sebesar 25,01% dari total ATMR. Berdasarkan jumlah modal capital and the ratio, the Bank has a good condition in absorbing
dan rasio tersebut, Bank mempunyai kondisi yang baik dalam the potential risks of the Bank’s business.
mengabsorp potensi risiko bisnis Bank.
Pengungkapan Manajemen Risiko Risk Management Disclosure
Dengan merujuk pada Peraturan Otoritas Jasa Keuangan With reference to the Financial Services Authority Regulation
No. 18/POJK.03/2016 yang pelaksanaannya diatur dalam Surat No. 18/POJK.03/2016, of which the implementation is regulated in
Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016, Bank Ina Financial Services Authority Circular No. 34/SEOJK.03/2016, Bank
telah menyusun Kebijakan Manajemen No. RMG/01-010/01/0319 Ina has prepared Management Policy No. RMG/01-010/01/0319
perihal Pedoman Manajemen Risiko guna mendukung penerapan on Risk Management Guidelines to support the implementation
manajemen risiko yang diharapkan mampu: of risk management which is intended for:
1. Menciptakan budaya kesadaran pentingnya manajemen risiko 1. Creating a culture of awareness of the importance of risk
di seluruh elemen perusahaan; management in all elements of the Company;
2. Meningkatkan praktik tata kelola yang baik serta fungsi 2. Improving good governance practices and the Bank’s risk
identifikasi, pengukuran, pemantauan dan pengendalian identification, measurement, monitoring, and control
risiko Bank; functions;
3. Memberikan laporan dan rencana mitigasi atas risiko-risiko 3. Providing reports and mitigation plans for the main risks of
utama Bank, secara periodik dan proporsional, kepada Direksi the Bank, periodically and proportionately, to the Directors
dan Komisaris; and Commissioners;
4. Memastikan bahwa rencana mitigasi risiko dilakukan secara 4. Ensuring that the risk mitigation plan is carried out adequately
memadai dengan cara yang efektif untuk meminimalkan in an effective way to minimize the impact and possibility of
dampak dan kemungkinan terjadinya risiko tersebut sehingga the occurrence of these risks so as not to disrupt the Bank’s
tidak mengganggu kelangsungan usaha Bank; dan business continuity; and
5. Memastikan adanya koordinasi dan komunikasi yang memadai 5. Ensuring adequate coordination and communication between
di antara semua fungsi manajemen risiko dalam Bank. all risk management functions within the Bank.
Sementara itu, penerapan manajemen risiko Bank mencakup 4 Meanwhile, the Bank’s risk management implementation covers
pilar berikut. the following 4 pillars.
1. Pengawasan Aktif Direksi dan Dewan Komisaris 1. Active Supervision of the Board Directors of and Board
of Commissioners
Direksi dan Dewan Komisaris bertanggung jawab atas The Board of Directors and Board of Commissioners are responsible
efektivitas penerapan manajemen risiko. Direksi dan Dewan for the effectiveness of risk management implementation. The
Komisaris memahami risiko-risiko yang dihadapi Bank dan Board of Directors and Board of Commissioners understand
memberikan arahan yang jelas, melakukan pengawasan the risks faced by the Bank and provide clear direction, conduct
dan mitigasi secara aktif serta mengembangkan budaya active supervision and mitigation, and develop a culture of Risk
Manajemen Risiko di Bank Ina. Selain itu, Direksi dan Dewan Management at Bank Ina. In addition, the Board of Directors
Komisaris memastikan struktur organisasi secara memadai, and Board of Commissioners ensure an adequate organizational
menetapkan tugas dan tanggung jawab yang jelas pada structure, establish clear duties and responsibilities in each unit,
masing-masing unit, serta memastikan kecukupan kuantitas and ensure the adequacy of the quantity and quality of human
dan kualitas SDM untuk mendukung penerapan Manajemen resources to support the effective implementation of Risk
Risiko secara efektif. Management.
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2. Kebijakan, Prosedur, dan Penetapan Limit 2. Policies, Procedures, and Limit Setting
Penerapan manajemen risiko mencakup kebijakan dan The implementation of risk management includes risk
prosedur manajemen risiko serta limit risiko yang ditetapkan management policies and procedures as well as clearly defined
secara jelas sejalan dengan visi, misi, dan strategi bisnis risk limits in line with the Bank’s vision, mission, and business
Bank. Penyusunan kebijakan dan prosedur manajemen risiko strategy. The preparation of risk management policies and
disesuaikan dengan jenis, kompleksitas kegiatan usaha, profil procedures is adjusted to the type, complexity of business
risiko, tingkat risiko yang akan diambil, keterkaitan atas risiko, activities, risk profile, level of risk to be taken, linkage to risk, as
serta peraturan yang ditetapkan otoritas dan/atau praktik well as regulations set by the authority and/or sound banking
perbankan yang sehat. Penerapan kebijakan dan prosedur practices. The implementation of risk management policies
manajemen risiko didukung oleh kecukupan permodalan and procedures is supported by adequate capital and quality
dan kualitas SDM. Dalam rangka pengendalian risiko secara human resources. In order to control risk effectively, policies
efektif, kebijakan dan prosedur didasarkan pada strategi and procedures are based on risk management strategies
manajemen risiko yang dilengkapi dengan toleransi risiko equipped with risk tolerance and risk limits. The determination
dan limit risiko. Penetapan toleransi risiko dan limit risiko of risk tolerance and risk limits is carried out by considering the
dilakukan dengan memperhatikan tingkat risiko yang akan level of risk to be taken and the Bank’s overall strategy.
diambil dan strategi Bank secara keseluruhan.
3. Proses Identifikasi, Pengukuran, Pemantauan dan 3. Risk Identification, Measurement, Monitoring and
Pengendalian Risiko, serta Sistem Informasi Manajemen Control Process, and Risk Management Information
Risiko System
Identifikasi, pengukuran, pemantauan, dan pengendalian Risk identification, measurement, monitoring, and control
risiko merupakan bagian utama dari proses penerapan are the main parts of the risk management implementation
manajemen risiko. Identifikasi risiko bersifat proaktif, process. Risk identification is proactive, covering all of
mencakup seluruh aktivitas bisnis Bank dan dilakukan dalam the Bank’s business activities and is conducted in order to
rangka menganalisa sumber dan kemungkinan timbulnya analyze the sources and likelihood of risks and their impacts.
risiko serta dampaknya. Bank melakukan pengukuran risiko The Bank conducts risk measurement in accordance with
sesuai dengan karakteristik dan kompleksitas kegiatan usaha. the characteristics and complexity of business activities.
Dalam pemantauan terhadap hasil pengukuran risiko, Bank In monitoring the results of risk measurement, the Bank
menetapkan unit yang independen dari pihak yang melakukan establishes a unit that is independent of the party conducting
transaksi untuk memantau tingkat dan tren serta menganalisis the transaction to monitor the level and trend and analyze
arah risiko. Efektivitas penerapan manajemen risiko didukung the direction of risk. The effectiveness of risk management
oleh pengendalian risiko dengan mempertimbangkan implementation is supported by risk control by considering
hasil pengukuran dan pemantauan risiko. Dalam rangka the results of risk measurement and monitoring. In order to
mendukung proses identifikasi, pengukuran, pemantauan, support the process of identifying, measuring, monitoring,
dan pengendalian risiko, Bank mengembangkan sistem and controlling risks, the Bank develops a management
informasi manajemen yang disesuaikan dengan karakteristik, information system that is tailored to the characteristics,
kegiatan, dan kompleksitas kegiatan usaha Bank. activities, and complexity of the Bank’s business activities.
4. Sistem Pengendalian Internal 4. Internal Control System
Proses penerapan manajemen risiko yang efektif harus The process of implementing effective risk management
dilengkapi dengan sistem pengendalian internal yang andal. must be complemented by a reliable internal control system.
Penerapan sistem pengendalian internal secara efektif dapat Effective implementation of the internal control system can
membantu manajemen dalam menjaga aset Bank, menjamin assist management in safeguarding the Bank’s assets, ensuring
tersedianya pelaporan keuangan dan manajerial yang dapat the availability of reliable financial and managerial reporting,
dipercaya, meningkatkan kepatuhan Bank terhadap ketentuan improving the Bank’s compliance with laws and regulations,
dan peraturan perundang-undangan, serta mengurangi risiko and reducing the risk of losses, irregularities, and violations
terjadinya kerugian, penyimpangan, dan pelanggaran aspek of prudential aspects. The implementation of a reliable and
kehati-hatian. Terselenggaranya sistem pengendalian internal effective internal control system is the responsibility of all
Bank yang andal dan efektif menjadi tanggung jawab dari operational work units (risk-taking units) and supporting work
seluruh satuan kerja operasional (risk-taking unit) dan satuan units as well as SKAI.
kerja pendukung serta SKAI.
Sejalan dengan itu, penerapan sistem pengendalian yang In line with that, the implementation of a comprehensive control
menyeluruh juga dioptimalkan untuk mengurangi terjadinya risiko system is also optimized to reduce the occurrence of risks that
yang berdampak signifikan. Oleh karena itu, SKAl senantiasa have a significant impact. Therefore, SKAl constantly updates and
memperbarui dan mengevaluasi pengendalian internal Bank evaluates the Bank’s internal controls to suit the risk profile and
untuk disesuaikan dengan profil risiko dan perkembangan bisnis the latest business developments. The Board of Commissioners
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Business Support Overview
terkini. Dewan Komisaris dan Direksi Bank bertanggung jawab and Board of Directors of the Bank are responsible for evaluating
untuk melakukan penilaian terhadap penerapan pengendalian the implementation of comprehensive internal controls every
internal yang menyeluruh setiap tahun buku. financial year.
Profil Risiko Risk Profile
Divisi Manajemen Risiko dan divisi/unit kerja lainnya telah The Risk Management Division and other divisions/work units have
mengelompokkan profil risiko dan proses mitigasi yang diuraikan categorized the risk profiles and mitigation processes described in
pada tabel berikut. the following table.
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Kredit Risiko akibat kegagalan debitur dan/atau pihak lain dalam Penilaian risiko kredit Bank Ina secara komposit dinilai
Credit Risk memenuhi kewajiban kepada Bank. Risiko kredit sesuai dengan “Moderate”. Jumlah kredit berkualitas rendah tahun 2023
aktivitas bisnis Bank Ina, bersumber dari aktivitas pemberian mengalami peningkatan menjadi sebesar Rp984,81 miliar dari
kredit, kepemilikan instrumen keuangan, transaksi antar Bank, sebelumnya Rp250,99 miliar di tahun 2022, namun rasio kredit
serta kewajiban komitmen dan kontinjensi. Sampai dengan berkualitas rendah mengalami penurunan sebesar 4,51% menjadi
saat ini, sumber utama pendapatan Bank Ina masih bersumber 7,08% per posisi Desember 2023, sementara rasio NPL gross
pada pendapatan dari aktivitas penyaluran kredit dan aktivitas mengalami peningkatan dari 1,42% menjadi 2,22%.
pembelian surat berharga.
Bank memiliki AYDA dengan outstanding sebesar Rp56,14 miliar
per posisi Desember 2023. Sebagian AYDA sebesar Rp38,47 miliar
digolongkan dalam kolektibilitas lancar, sedangkan sisanya sebesar
Rp17,67 miliar digolongkan dalam kolektibilitas kurang lancar.
Pemberian fasilitas kepada 25 debitur inti mengalami peningkatan
dari Rp4.225,60 miliar menjadi Rp4.940,09 miliar sehingga rasio
konsentrasi debitur inti Bank menurun dari 43,34% menjadi 38,97%.
Risk due to failure of the debtor and/or other parties in fulfilling Composite assessment of Bank Ina’s credit risk is rated
obligations to the Bank. Credit risk is consistent with Bank “Moderate”. The number of low-quality loans in 2023 increased
Ina’s business activities, originating from lending activities, to Rp984.81 billion from previously Rp250.99 billion in 2022, but
ownership of financial instruments, inter-bank transactions, as the low-quality credit ratio decreased by 4.51% to 7.08% as of
well as commitments and contingencies. Until now, the main December 2023 due to credit growth was higher compared to
source of Bank Ina’s income is still derived from income from low-quality loan growth, while the gross NPL ratio experienced a
lending activities and securities purchasing activities. decrease from 1.42% to 2.22%.
The Bank has foreclosed assets with an outstanding amount of
Rp56.14 billion as of December 2023. A portion of foreclosed assets
of Rp38.47 billion is classified as current collectibility, while the
remaining Rp17.67 billion is classified as substandard collectibility.
The provision of facilities to 25 core debtors experienced an increase
from Rp4,225.60 billion to Rp4,940.09 billion, and therefore, the
Bank’s core debtor concentration ratio decreased from 43.34% to
38.97%.
Risiko Pasar Risiko pada posisi neraca dan rekening administratif termasuk Penilaian risiko pasar dinilai “Low to Moderate”. Eksposur risiko
Market Risk transaksi derivatif, akibat perubahan secara keseluruhan dari kondisi suku bunga pada banking book menunjukkan perubahan dengan
pasar, termasuk risiko perubahan harga option, yang meliputi gap time band (0-3) bulan yang meningkat. Rasio NIM Bank
risiko suku bunga dan risiko nilai tukar. Penerapan manajemen mengalami penurunan dari 3,53% menjadi 3,14%. Hal ini terutama
risiko pasar bertujuan untuk meminimalkan kemungkinan dipengaruhi oleh peningkatan penyaluran kredit yang menyebabkan
dampak negatif akibat perubahan kondisi pasar terhadap aset dan peningkatan rasio LDR dari 63,16% menjadi 65,59%.
permodalan Bank. Pelaksanaan pengendalian risiko pasar secara
berkala dilakukan oleh Unit Kerja Treasury dan ALCO. Sementara
itu, kebijakan dan penetapan limit risiko dilakukan oleh Divisi
Manajemen Risiko sebagai unit kerja yang independen.
Risks on balance sheet and off-balance sheet positions, including Market risk assessment assessed “Low to Moderate”. Interest
derivative transactions, due to overall changes in market conditions, rate risk exposure on banking book show changes with gap time
including the risk of changes on option price, which includes band (0-3) rising months. The Bank’s NIM ratio decreased from
interest rate risk and exchange rate risk. The implementation 3.53% to 3.14%. This was mainly influenced by the increase in
of market risk management aims to minimize the possibility of lending which led to an increase in the LDR ratio from 63.16%
negative impacts due to changes in market conditions on the to 65.59%.
Bank’s assets and capital. Implementation of market risk control
is periodically carried out by the Treasury Work Unit and ALCO.
Meanwhile, risk management policies and limits are set by the Risk
Management Division as an independent work unit.
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Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Operasional Risiko akibat ketidakcukupan dan/atau tidak berfungsinya Risiko operasional dinilai “Moderate”. Pengendalian risiko
Operational Risk proses internal, kesalahan manusia, kegagalan sistem, dan/ operasional dilakukan sejalan dengan peningkatan kompleksitas
atau adanya kejadian-kejadian eksternal yang memengaruhi transaksi dan produk Bank terutama sehubungan dengan
operasional Bank, yang dapat bersumber antara lain dari perkembangan produk-produk Bank Devisa dan perkembangan
sumber daya manusia (SDM), proses internal, sistem, dan aktivitas digital banking. Tingkat efisiensi operasional meningkat
infrastruktur, serta kejadian eksternal. Penerapan manajemen tercermin dari peningkatan rasio BOPO, yaitu menjadi sebesar
risiko operasional diperlukan untuk meminimalkan 83,90% pada Desember 2023 dari sebelumnya sebesar 82,57%
kemungkinan dampak negatif dari tidak berfungsinya pada posisi akhir Desember 2022. Dalam melakukan mitigasi
proses internal, kesalahan manusia, kegagalan sistem, dan/ risiko operasional, seperti human error, fraud, dan sebagainya,
atau terjadinya kejadian-kejadian eksternal yang dapat Bank masih perlu meningkatkan pengendalian internal untuk
mempengaruhi operasional Bank. mengantisipasi potensi terjadinya internal fraud melalui sosialisasi
anti-fraud dan pengendalian internal Bank.
Bank senantiasa melakukan upaya peningkatan kualitas internal
kontrol dan menjaga akuntabilitas setiap proses operasional
melalui penambahan dan peningkatan kualitas SDM, pelatihan
dan sosialisasi ketentuan secara lebih intensif, penerapan aplikasi
sistem anti-fraud, melengkapi kebijakan dan prosedur operasional,
melakukan review terhadap proses aktivitas operasional dan
mengikuti perkembangan ketentuan terkini. Unit Kerja Digital
Governance telah melaksanakan fungsinya untuk memastikan
penerapan GCG dalam perkembangan digital banking di Bank Ina.
Review terhadap aktivitas operasional dilakukan untuk
memastikan potensi risiko yang ada dapat dikendalikan melalui
perbaikan prosedur, perbaikan sistem, dan infrastruktur.
Risk due to insufficiency and/or non-functioning of internal Operational risk is assessed “Moderate”. Operational risk control
processes, human errors, system failures, and/or external is carried out in line with the increasing complexity of transactions
events that affect the Bank’s operations, which may and Bank products, especially in connection with the development
originate among others from human resources (HR), internal of Foreign Exchange Bank products and development of digital
processes, systems, and infrastructure, as well as external banking activities. The level of operational efficiency has increased
events. The implementation of operational risk management as reflected in the increase in the BOPO ratio, namely to 83.90% in
is necessary to minimize the possibility of negative impacts December 2023 from the previous 82.57% at the end of December
from malfunctioning internal processes, human errors, system 2022. In mitigating operational risks, such as human error, fraud and
failures, and/or the occurrence of external events that may so on, The Bank still needs to improve internal control to anticipate
affect the Bank’s operations. the potential for internal fraud through antifraud socialization and
internal control of the Bank.
The Bank always makes efforts to improve the quality of internal
control and maintain accountability for each operational process
through adding and improving the quality of human resources,
training, and dissemination of provisions more intensively,
implementing anti-fraud system applications, completing operational
policies and procedures, reviewing operational activity processes, and
following the latest regulatory developments. The Digital Governance
Work Unit has carried out its function to ensure the implementation
of GCG in the development of digital banking at Bank Ina.
A review of operational activities is carried out to ensure that
potential risks can be controlled through improved procedures,
system improvements and infrastructure.
PT Bank Ina Perdana Tbk
2023 Annual Report 163
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Tinjauan Pendukung Bisnis
Business Support Overview
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Likuiditas Risiko akibat ketidakmampuan Bank untuk memenuhi Risiko likuiditas Bank dinilai “Low to Moderate”. Pertumbuhan
Liquidity Risk kewajiban yang jatuh tempo dari sumber pendanaan arus kas DPK secara bertahap telah diimbangi dengan penyaluran kredit,
dan/atau dari aset likuid yang berkualitas tinggi yang dapat ditunjukkan dengan meningkatnya rasio LDR, yaitu menjadi
diagunkan tanpa mengganggu aktivitas dan kondisi keuangan sebesar 65,59%, meningkat dibanding akhir tahun 2022 sebesar
Bank. Penerapan manajemen risiko likuiditas Bank bertujuan 63,16%. Pencapaian DPK posisi Desember 2023 sebesar 98,85%
untuk meminimalkan kemungkinan ketidakmampuan Bank dari target RBB yang ditetapkan mencerminkan bahwa Bank
dalam memperoleh sumber pendanaan arus kas. memiliki akses pasar yang baik untuk pendanaan di samping
adanya komitmen dan kemampuan yang kuat dari Pemegang
Saham serta dukungan grup usaha. Meskipun DPK yang berhasil
dihimpun Bank merupakan pendanaan jangka pendek (secara
kontraktual kurang dari 1 tahun), namun demikian tingkat
kestabilan dana masih sangat baik tercermin dari tingkat volatilitas
harian yang rendah, di samping adanya pertimbangan loyalitas
sebagian besar deposan yang telah bermitra dengan Bank Ina
cukup lama dengan tingkat roll over deposito jatuh tempo yang
relatif tinggi.
Komposisi dana grup masih cukup signifikan dan sebagian
dalam bentuk giro yang perlu dipelajari behaviournya untuk
mengantisipasi pengaruhnya terhadap kondisi likuiditas Bank.
Risk due to the Bank’s inability to meet its maturing obligations The Bank’s liquidity risk is assessed as “Low to Moderate”. TPF
from cash flow funding sources and/or from high quality liquid growth has gradually been matched by lending, as indicated by
assets that can be used as collateral without disrupting the the increase in LDR ratio, to 65.59%, an increase compared to that
Bank’s activities and financial condition. Implementation of of end of 2022 of 63.16%. TPF achievement in December 2023
the Bank’s liquidity risk management aims to minimize the was 98.85% of the target set in the RBB, which reflects that the
possibility of the Bank’s inability to obtain cash flow funding Bank has good market access for funding in addition to the strong
sources. commitment and capabil-ity of Shareholders and the support of
business groups. Even though the TPF that the Bank has managed
to collect is short-term funding (contractually less than 1 year),
however, the level of stability of funds is still very good, as reflected
in the low daily volatility level, in addition to the consideration that
the loyalty of most depositors who have partnered with Bank Ina is
quite with a relatively high roll over maturity deposit rate.
The composition of group funds is still quite significant and part of
it is in the form of current accounts whose behaviour needs to be
studied to anticipate the impact on the Bank’s liquidity conditions.
Risiko Hukum Risiko yang disebabkan oleh adanya kelemahan aspek Risiko hukum dinilai “Low to Moderate”. Bank sampai saat ini
Legal Risk yuridis, yang antara lain disebabkan adanya tuntutan hukum, tidak memiliki kelemahan hukum yang dapat mengekspose risiko
ketiadaan peraturan perundang-undangan yang mendukung, hukum secara signifikan. Dari sisi aspek legal perjanjian kredit dan
atau kelemahan perikatan, seperti tidak dipenuhinya syarat pengikatan agunan telah dilakukan monitoring oleh Unit Kerja
sahnya kontrak dan pengikatan agunan yang tidak sempurna. Administrasi Kredit terhadap seluruh kelengkapan dokumentasi
Penerapan risiko hukum bertujuan untuk meminimalkan legal untuk mencegah terjadinya risiko hukum. Permasalahan dan
kemungkinan dampak negatif dari kelemahan yuridis, kasus hukum yang terjadi ditangani oleh Unit Legal Corporate
ketiadaan dan/atau perubahan peraturan perundang- bersama dengan konsultan hukum Bank.
undangan dan proses litigasi.
Risks caused by weaknesses in the juridical aspect, which Legal risk assessed “Low to Moderate”. Until now, the Bank has
among others are caused by lawsuits, absence of supporting no legal weaknesses that can expose significant legal risks. From
laws and regulations, or weaknesses in the agreement, such the legal aspect, the credit agreement and collateral binding have
as non-compliance with the legal requirements of contracts been carried out monitoring by the Credit Administration Work
and imperfect binding of collateral. The application of legal Unit on all complete legal documentation to prevent legal risks
risk aims to minimize the possibility of negative impacts from from occurring. Problems and legal cases that occur are handled
juridical weaknesses, absence and/or changes in laws and by the Corporate Legal Unit together with the Bank’s legal
regulations and litigation processes. consultant.
PT Bank Ina Perdana Tbk
164 Laporan Tahunan 2023
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Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Stratejik Risiko akibat ketidaktepatan dalam pengambilan keputusan Risiko stratejik secara komposit dinilai “Low to Moderate”.
Strategic Risk dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan Secara umum target rencana bisnis dapat terpenuhi seperti
dalam mengatasi perubahan lingkungan bisnis. Risiko stratejik penghimpunan DPK tercapai sebesar 98,85%, penyaluran kredit
bersumber dari adanya kelemahan dan ketidaktepatan dalam 94,69%, pendapatan bunga bersih tercapai sebesar 100,03%,
perencanaan strategi Bank, kelemahan pada sistem informasi pendapatan operasional lainnya tercapai sebesar 108,96%.
manajemen, kelemahan analisa lingkungan internal dan Sementara itu, pencapaian laba operasional sebesar 100,62% dan
eksternal, ketidaktepatan implementasi, dan kegagalan dalam laba tahun berjalan sebesar 100,38%. Pencapaian pendapatan
mengantisipasi perubahan lingkungan bisnis. bunga bersih terutama dipengaruhi oleh peningkatan penyaluran
kredit Bank.
Pertumbuhan kredit yang lebih cepat dari pertumbuhan DPK
menyebabkan terjadinya peningkatan rasio LDR dari 63,16% pada
akhir tahun 2022 menjadi 65,59% pada akhir tahun 2023. Bank
tetap dapat meningkatkan penyaluran kredit di tengah kondisi
dunia usaha yang masih terdampak pandemi Covid-19. Selain itu,
pembelian terhadap surat berharga korporasi terutama korporasi
BUMN terus dilakukan sebagai upaya untuk meningkatkan rasio
pemenuhan kewajiban Rasio Intermediasi Makroprudensial (RIM).
Risk due to inaccuracy in decision making and/or Composite strategic risk is assessed “Low to Moderate”. In general,
implementation of a strategic decision and failure to cope with the business plan targets can be met, such as the collection of DPK
changes in the business environment. Strategic risk originates is reached by 98.85% credit distribution is 94.69%, net interest
from weaknesses and inaccuracies in the Bank’s strategic income is achieved by 100.03%, other operating income is achieved
planning, weaknesses in management information systems, by 108.69%. Meanwhile, the achievement of operational profit
weaknesses in internal and external environmental analysis, was 100.62% and profit for the current year was 100.38%. The
inaccuracies in implementation, and failure to anticipate achievement of net interest income was mainly influenced by the
changes in the business environment. increase in Bank lending.
Credit growth that was faster than TPF growth led to an increase
in LDR ratio from 63.6% at the end of 2022 to 65.59% at the end
of 2023. The Bank can still increase lending amid the conditions
in the business world which are still affected by the Covid-19
pandemic. In addition, the purchase of corporate securities,
especially BUMN corporations, continues to be carried out as an
effort to increase the macroprudential intermediation ratio (RIM).
Risiko Kepatuhan Risiko akibat Bank tidak mematuhi dan/atau tidak Peringkat risiko kepatuhan secara komposit dinilai “Low to
Compliance Risk melaksanakan peraturan perundang-undangan dan ketentuan Moderate.” Pemenuhan kewajiban kepada otoritas baik
yang berlaku. Risiko kepatuhan bersumber dari perilaku berupa pemenuhan komitmen maupun penyampaian laporan
hukum, yakni perilaku/aktivitas Bank yang menyimpang secara berkala dapat dikelola dengan baik. Pengenaan sanksi
atau melanggar dari ketentuan atau peraturan perundang- maupun denda dari otoritas diupayakan untuk dihindari, melalui
undangan dan perilaku organisasi, yakni perilaku/aktivitas peningkatan budaya kepatuhan maupun peningkatan aspek
bank yang menyimpang atau bertentangan dengan standar internal kontrol pada masing-masing unit kerja. Sementara itu,
yang berlaku secara umum. Bank mewajibkan pelaksanaan uji kepatuhan terhadap transaksi
bidang perkreditan dengan pemberian fasilitas kredit di atas
Rp10 miliar, untuk memastikan bahwa transaksi telah memenuhi
ketentuan dan perundangan yang berlaku.
Risk due to the Bank not complying with and/or not Composite compliance risk levels are assessed “Low to Moderate.”
implementing the applicable laws and regulations. Compliance Fulfillment of obligations to the authorities either in the form
risk originates from legal behavior, i.e. Bank behavior/activities of fulfilling commitments or submitting periodic reports can be
that deviate or violate the provisions or laws and regulations managed properly. Attempts are made to avoid the imposition of
and organizational behavior, namely bank behavior/activities sanctions and fines from the authorities, by increasing the compliance
that deviate or conflict with generally accepted standards. culture as well as improving internal control aspects in each work unit.
Meanwhile, the Bank requires the implementation of a compliance
test for transactions in the credit sector with the provision of credit
facilities of more than IDR10 billion, to ensure that transactions
comply with applicable laws and regulations.
PT Bank Ina Perdana Tbk
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Tinjauan Pendukung Bisnis
Business Support Overview
Profil Risiko Definisi Penilaian dan Upaya Mitigasi
Risk Profile Definition Assessment and Mitigation Measures
Risiko Reputasi Risiko akibat menurunnya tingkat kepercayaan pemangku Peringkat risiko reputasi secara komposit dinilai “Low to
Reputation Risk kepentingan yang bersumber dari persepsi negatif terhadap Moderate.” Parameter penilaian risiko reputasi salah satunya
Bank. Persepsi negatif terhadap Bank dapat ditimbulkan oleh adalah tingkat keluhan nasabah. Tingkat keluhan nasabah antara
kejadian-kejadian yang menurunkan reputasi, seperti keluhan lain bersumber dari ketidakpuasan nasabah atas pelayanan Bank,
nasabah atas produk dan jasa yang diberikan, kelemahan maupun pengelolaan Bank atas keluhan yang disampaikan oleh
pada tata kelola, budaya perusahaan, serta praktik bisnis yang nasabah. Keluhan yang disampaikan nasabah pada umumnya
menyimpang dari standar. masih terkait dengan gangguan transaksi operasional maupun
transaksi lainnya. Bank mempunyai sarana contact centre dan
petugas contact centre untuk menangani keluhan nasabah.
Secara umum, keluhan yang disampaikan nasabah tersebut telah
dapat diselesaikan dan tidak mengekspose risiko reputasi secara
signifikan. Penyelesaian atas keluhan nasabah dilakukan sesuai
prosedur yang telah ditetapkan.
Risk due to decreased level of stakeholder trust originating The reputational risk rating is compositely assessed “Low to
from negative perceptions of the Bank. Negative perceptions Moderate”. One of the reputation risk assessment parameters is
of the Bank can be generated by events that degrade the level of customer complaints. The level of customer complaints,
reputation, such as customer complaints about the products among others, comes from customer dissatisfaction with the Bank’s
and services provided, weaknesses in governance, corporate services, as well as the Bank’s management of complaints submitted
culture, and business practices that deviate from standards. by customers. Complaints submitted by customers are generally
still related to disruptions to operationaltransactions and other
transactions. The Bank has contact centre facilities and contact
centre officers to handle customer complaints.
In general, the complaints submitted by these customers have
been resolved and have not exposed significant reputational risk.
Settlement of customer complaints is carried out according to
established procedures.
Penilaian Profil Risiko Risk Profile Assessment
Pada tahun 2023, peringkat risiko Bank Ina berada di peringkat In 2023, Bank Ina’s risk rating was rated 2 (“Low to Moderate”).
2 (“Low to Moderate”). Informasi terkait self-assessment profil Information related to the Bank’s risk profile self-assessment in the
risiko Bank dalam 2 tahun terakhir diungkapkan sebagai berikut. last 2 years is disclosed as follows.
Penilaian Desember 2023 Penilaian Desember 2022
December 2023 Assessment December 2022 Assessment
Peringkat Peringkat
Profil Risiko Kualitas Kualitas
Peringkat Peringkat Peringkat Peringkat
Risk Profile Manajemen Manajemen
Risiko Inheren Tingkat Risiko 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
Kredit
Moderate Fair Moderate Low to Moderate Satisfactory Low to Moderate
Credit
Pasar
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Market
Operasional
Low to Moderate Fair Moderate Moderate Fair Moderate
Operational
Likuiditas
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Operational
Hukum
Low Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Legal
Stratejik
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Strategic
Kepatuhan
Low Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Compliance
Reputasi
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Reputation
Peringkat Komposit
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Composite Rating
PT Bank Ina Perdana Tbk
166 Laporan Tahunan 2023
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Pengungkapan Eksposur Risiko dan Disclosure of Risk Exposure and
Penerapan Manajemen Risiko Implementation of Risk Management
Risiko Kredit Credit Risk
1. Penerapan Manajemen Risiko Kredit 1. Implementation of Credit Risk Management
Penerapan manajemen risiko kredit dilakukan agar risiko The implementation of credit risk management is carried out
kredit yang timbul dapat terjaga dalam batas toleransi yang so that the credit risk that arises can be maintained within
ditetapkan. Manajemen risiko kredit dilakukan mulai dari the established tolerance limits. Credit risk management is
proses inisiasi pemberian kredit, analisa kredit, pengambilan carried out starting from the process of initiating credit, credit
keputusan, pencairan, penatausahaan dan administrasi analysis, decision making, disbursement, administration and
sampai dengan proses penanganan kredit bermasalah. administration to the process of handling non-performing
Tujuannya adalah agar dan apabila terjadi kredit bermasalah loans. The aim is that if non-performing loans occur, they
dapat ditangani secara optimum, sehingga kerugian yang can be handled optimally, so that the losses that arise can be
timbul dapat diminimalkan. minimized.
Proses analisis permohonan kredit dilakukan oleh Unit Kerja The credit application analysis process is carried out by the
Credit Reviewer yang independen terhadap Unit Bisnis. Credit Reviewer Work Unit, which is independent of the
Pengambilan keputusan pemberian kredit dilakukan oleh Business Unit. Credit granting decisions are made by the Credit
Komite Kredit. Pengelolaan dokumen perkreditan dilakukan Committee. Management of credit documents is carried out
oleh Unit Kerja Administrasi Kredit yang berfungsi melakukan by the Credit Administration Work Unit which functions to
kontrol terhadap pemenuhan covenant yang dipersyaratkan control compliance covenant required before the credit is
sebelum kredit dicairkan dan pengawasan terhadap ketepatan disbursed and supervision of the accuracy of payments in
pembayaran sesuai dengan kontrak yang diperjanjikan. Proses accordance with the agreed contract. The disbursement
pencairan dilakukan oleh Unit Kerja Administrasi Kredit process is carried out by the Credit Administration Work Unit
setelah seluruh persyaratan terpenuhi. Selain itu, monitoring after all requirements are met. In addition, credit monitoring
perkreditan dilakukan oleh Unit Kerja Credit Governance. is carried out by the Credit Governance Work Unit.
Sistem pengendalian internal dalam bidang perkreditan The internal control system in the credit sector is also carried
juga dilakukan melalui pedoman operasional pelaksanaan out through operational guidelines for the implementation of
verifikasi dalam proses pencairan kredit. Sementara itu, verification in the credit disbursement process. Meanwhile,
kewajiban pelaksanaan uji kepatuhan dilakukan oleh fungsi the obligation to carry out compliance tests is carried out
Kepatuhan terhadap transaksi bidang perkreditan dengan by the Compliance function with transactions in the field of
pemberian fasilitas kredit di atas Rp10 miliar secara konsisten credit with the provision of credit facilities above Rp10 billion
telah dilaksanakan untuk memastikan bahwa transaksi has been consistently implemented to ensure that transactions
telah memenuhi ketentuan yang berlaku. Dalam rangka comply with applicable regulations. In order to reduce the
menekan tingkat kerugian apabila terdapat kredit macet, level of loss if there is bad credit, the working unit handles
maka penanganan kredit bermasalah dilakukan oleh Unit non-performing loans Remedial who work in a focused and
Kerja Remedial yang bekerja secara fokus dan independen. independent manner. The formulation of policies in the field
Perumusan kebijakan dalam bidang perkreditan dibahas of credit is discussed in the Bank’s Credit Policy Committee.
dalam Komite Kebijakan Perkreditan Bank.
2. Pembentukan Cadangan Kerugian Penurunan Nilai (CKPN) 2. Formation of Allowance for Impairment Losses (CKPN)
Risiko kredit terjadi akibat kegagalan debitur/atau pihak lain Credit risk occurs due to the failure of the debtor/or other
dalam memenuhi kewajiban kepada Bank. Bank mencatat party to fulfill obligations to the Bank. The Bank records the
kegagalan debitur/atau pihak lain dalam tagihan yang telah failure of the debtor/or other parties in bills that are past due,
jatuh tempo, yaitu tagihan yang mengalami penunggakan namely bills that are in arrears in payment of both principal
pembayaran baik pokok maupun bunga selama lebih dari and interest for more than 90 days. CKPN is prepared on
90 hari. CKPN disusun pada aset-aset produktif yang terbagi earning assets which are divided into 3 stages, namely stage
menjadi terbagi atas 3 stage, yaitu stage 1, 2, dan 3. Stage 1, 2, and 3. Stage 1 is for assets with current quality. Stage
1 untuk aset dengan kualitas lancar. Stage 2 terdiri dari aset 2 consists of assets that have clear evidence of a significant
yang memiliki bukti nyata peningkatan risiko kredit dari sejak increase in credit risk (SICR) since they were acquired. Stage
diperoleh (significant increase credit risk/SICR). Stage 3 adalah 3 are assets that are recognized as impaired. In stage 2 and
aset yang diakui telah impair. Pada stage 2 dan 3, CKPN 3, ECL is calculated until maturity (life time ECL), while in
dihitung hingga jatuh tempo (life time ECL), sedangkan pada stage 1 ECL is calculated for only 12 months. The significance
stage 1 ECL dihitung hanya 12 bulan. Tingkat signifikansi level of individually impaired loans is determined at the
PT Bank Ina Perdana Tbk
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Tinjauan Pendukung Bisnis
Business Support Overview
kredit yang di-impair secara individual ditetapkan dalam Bank’s discretion with reference to applicable accounting
kebijakan Bank dengan mengacu kepada ketentuan akuntansi requirements. The events observed in the evaluation of credit
yang berlaku. Peristiwa-peristiwa yang diobservasi dalam impairment are as follows.
rangka evaluasi penurunan nilai kredit adalah sebagai berikut.
a. Kesulitan keuangan secara signifikan yang dialami a. Significant financial difficulties experienced by the issuer
penerbit atau peminjam dengan jumlah signifikan. or borrower with a significant amount.
b. Pelanggaran kontrak, seperti terjadinya wanprestasi atas b. Breach of contract, such as default on payment of
pembayaran pokok atau bunga. Hal ini dievaluasi dari principal or interest. This is evaluated from the payment
data pembayaran sesuai jadwal pembayaran masing- data according to the payment schedule of each debtor.
masing debitur.
c. Kemungkinan pihak peminjam akan dinyatakan pailit atau c. It is probable that the borrower will declare bankruptcy
melakukan reorganisasi, dengan mengacu kepada informasi or reorganize, based on the information obtained, for a
yang diperoleh, untuk kredit dengan jumlah yang signifikan. significant amount of credit.
d. Kondisi ekonomi nasional/lokal atau kondisi industri yang d. National/local economic conditions or industrial conditions
berkorelasi dengan wanprestasi debitur atau memburuknya that correlate with debtor defaults or worsening credit
kualitas kredit dalam industri tersebut. Observasi dilakukan quality in the industry. Observations are made on an
secara berkesinambungan dimulai pada awal tahun ongoing basis starting at the beginning of the current
berjalan dan hasil observasi diaplikasikan ke seluruh debitur year and the results of the observations are applied to
atau kelompok kredit dalam suatu industri atau kelompok all debtors or credit groups in an industry or credit group
kredit yang memiliki faktor risiko sejenis. that have similar risk factors.
Pengungkapan kuantitatif tagihan bersih Bank dan CKPN Quantitative disclosure of bank net receivables and CKPN is listed
tercantum dalam Tabel 1.1 sampai dengan Tabel 1.6, in Table 1.1 to Table 1.6, which includes:
mencakup:
a. Tagihan Bersih Berdasarkan Wilayah selengkapnya a. Net Receivables by Region are presented in full in Table 1.1;
disajikan dalam Tabel 1.1;
b. Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak b. Net Receivables Based on the Remaining Term of the Contract
selengkapnya disajikan dalam Tabel 1.2; are presented in full in Table 1.2;
c. Tagihan Bersih Berdasarkan Sektor Ekonomi selengkapnya c. Net Receivables Based on Economic Sector are presented in
disajikan dalam Tabel 1.3; full in Table 1.3;
d. Tagihan dan Pencadangan Berdasarkan Wilayah d. Receivables and Provisions by Region are presented in full in
selengkapnya disajikan dalam Tabel 1.4; Table 1.4;
e. Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi e. Receivables and Provisions Based on Economic Sector are
selengkapnya disajikan dalam Tabel 1.5; dan presented in full in Table 1.5; and
f. Rincian Mutasi Cadangan Kerugian Penurunan Nilai f. Details of Movements in Allowance for Impairment Losses in
selengkapnya disajikan dalam Tabel 1.6. full are presented in Table 1.6.
3. Pengungkapan Risiko Kredit dengan Pendekatan Standar 3. Credit Risk Disclosure with Standard Approach
a. Kebijakan perhitungan Aset Tertimbang Menurut Risiko a. Policy for calculating Risk Weighted Assets (ATMR)
(ATMR)
Perhitungan ATMR Kredit - Pendekatan standar mencakup Calculation of RWA Credit - The standard approach
eksposur aset dalam neraca dan kewajiban komitmen/ includes asset exposure in the balance sheet and
kontinjensi dalam transaksi rekening administratif, namun commitments/contingencies in off balance sheet
tidak termasuk eksposur dalam trading book. Perhitungan transactions but does not include exposure in trading
dengan pendekatan standar juga mencakup eksposur yang book. Calculations using the standard approach also
menimbulkan risiko kredit akibat kegagalan pihak lawan include exposures that give rise to credit risk due to
(counterparty credit risk) antara lain transaksi derivatif counterparty failure (counterparty credit risk) including
over the counter (OTC) dan transaksi repo atau reverse derivative over the counter (OTC) transactions and repo or
repo, baik atas posisi trading book maupun banking book reverse repo transactions, both on positions trading book
mengacu pada Peraturan Otoritas Jasa Keuangan tentang or banking book refers to the Financial Services Authority
Kewajiban Penyediaan Modal Minimum (KPMM) dan Regulation concerning the Minimum Capital Adequacy
eksposur transaksi penjualan atau pembelian instrumen Requirement (KPMM) and exposures to sales or purchase
keuangan yang mengalami kegagalan penyerahan kas of financial instruments that fail to deliver cash and/or
dan/atau instrumen keuangan. Dalam perhitungan dengan financial instruments. In calculating with a standardized
pendekatan standar, Bank menggunakan peringkat terkini approach, the Bank uses the latest rating from a rating
dari lembaga pemeringkat yang diakui oleh Otoritas Jasa agency recognized by the Financial Services Authority.
Keuangan. Penggunaan peringkat dalam penetapan Ratings are used in assigning weights to the portfolio
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bobot dilakukan pada kategori portofolio tagihan kepada categories of receivables to the government, claims to
pemerintah, tagihan kepada Bank, dan tagihan kepada banks, and claims to corporations.
korporasi.
b. Pengungkapan kuantitatif risiko kredit dengan b. Quantitative disclosure of credit risk using the standard
pendekatan standar sebagai berikut. approach is as follows.
1) Tagihan Bersih Berdasarkan Kategori Portofolio dan 1) Net Receivables Based on Portfolio Category and
Skala Peringkat selengkapnya disajikan dalam Tabel 2. Rating Scale are presented in full in Table 2.
2) Risiko Kredit Pihak Lawan (Counterparty Credit 2) Counterparty Credit Risk (Counterparty Credit Risk)
Risk) tidak disajikan dalam tabel karena Bank tidak are not presented in the table because the Bank has
memiliki eksposur Counterparty Credit Risk. no exposure to Counterparty Credit Risk.
4. Pengungkapan Mitigasi Risiko Kredit dengan menggunakan 4. Disclosure of Credit Risk Mitigation using the Standard
Pendekatan Standar Approach
Dalam perhitungan ATMR risiko kredit, Bank mengakui In the calculation of credit risk RWA, the Bank recognizes the
keberadaan agunan, garansi, dan penjaminan yang memenuhi existence of collateral, guarantees and collateral that meet the
syarat (eligible) yang disebut dengan teknik mitigasi risiko requirements (eligible) called credit risk mitigation techniques
kredit (MRK). Bank hanya menggunakan teknik MRK apabila (MRK). The Bank only uses the CRM technique if the RWA
ATMR risiko kredit dari eksposur yang menggunakan teknik credit risk of exposures using the CRM technique is lower
MRK lebih rendah dari ATMR risiko kredit dari eksposur than the RWA credit risk of those exposures that do not use
tersebut yang tidak menggunakan teknik MRK. ATMR the CRM technique. RWA for credit risk after considering the
risiko kredit setelah memperhitungkan dampak Teknik MRK impact of the MRK technique, the lowest is zero. Collateral,
paling rendah sebesar nol. Agunan, garansi, dan jaminan guarantees and guarantees recognized as MRK techniques
yang diakui sebagai teknik MRK tidak diperhitungkan ganda are not double calculated in the calculation of credit risk RWA,
dalam perhitungan ATMR risiko kredit, dan masa berlakunya and the validity period for binding collateral, guarantees and/
pengikatan agunan, garansi, dan/atau jaminan paling kurang or guarantees is at least the same as the remaining exposure
sama dengan sisa jangka waktu eksposur. period.
Pengungkapan kuantitatif mitigasi risiko kredit dengan Quantitative disclosure of credit risk mitigation using a
menggunakan pendekatan standar sebagai berikut. standardized approach as follows.
a. Tagihan Bersih Berdasarkan Bobot Risiko setelah a. Net Receivables Based on Risk Weight after Calculating
Memperhitungkan Dampak Mitigasi Risiko Kredit, the Impact of Credit Risk Mitigation, in full is presented in
selengkapnya disajikan dalam Tabel 3.1. Table 3.1.
b. Tagihan Bersih dan Teknik Mitigasi Risiko Kredit b. Net Receivables and Credit Risk Mitigation Techniques are
selengkapnya disajikan dalam Tabel 3.2. presented in full in Table 3.2.
5. Sekuritisasi Aset 5. Asset Securitization
Bank tidak memiliki eksposur sekuritisasi aset selama periode The Bank has no asset securitization exposure during the
pelaporan. reporting period.
Perhitungan ATMR Risiko Kredit Pendekatan Standar disajikan Calculation of RWA Credit Risk Standard Approach is
secara lengkap pada Tabel 4.1, Tabel 4.2, Tabel 4.3, Tabel presented in full in Table 4.1, Table 4.2, Table 4.3, Table 4.4,
4.4, Tabel 4.5, Tabel 4.6, dan Tabel 4.7. Table 4.5, Table 4.6, and Table 4.7.
Risiko Pasar Market Risk
1. Perhitungan risiko pasar dengan menggunakan Metode 1. Calculation of market risk using the Standard Method
Standar
a. Penerapan Manajemen Risiko a. Implementation of Risk Management
Pengendalian risiko pasar dilakukan pada perubahan Market risk control is carried out on changes in interest
suku bunga dan perubahan kurs pasar. Pendekatan yang rates and changes in market rates. The approach chosen
dipilih dalam penghitungan ATMR ini adalah pendekatan in this RWA calculation is the standardized approach.
standar. Terdapat 7 kelas risiko yang diperhitungkan, There are 7 risk classes that are taken into account, by
dengan menghitung Sensitivity Based Method. calculating the Sensitivity Based Method.
Bank melakukan perhitungan untuk 3 skenario berbeda The Bank performs calculations for 3 different scenarios
(normal, korelasi meningkat, dan korelasi menurun). (normal, increasing correlation, and decreasing
Persyaratan permodalan ATMR Risiko Pasar ditentukan correlation). The Market Risk RWA capital requirement is
sebagai nilai terbesar di antara hasil perhitungan determined as the largest value among the results of the
3 skenario tersebut. 3 scenarios.
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Tinjauan Pendukung Bisnis
Business Support Overview
b. Pengungkapan Kuantitatif b. Quantitative Disclosure
Penghitungan risiko pasar menggunakan metode standar Calculation of market risk using standard methods is
selengkapnya disajikan dalam Tabel 5. presented in full in Table 5.
2. Perhitungan Risiko Pasar dengan Menggunakan Model Internal 2. Calculation of Market Risk Using the Internal Model
Bank tidak melakukan perhitungan risiko pasar dengan The Bank does not carry out market risk calculations using an
pendekatan model internal. internal model approach.
Risiko Operasional Operational Risk
1. Penerapan Manajemen Risiko Operasional 1. Implementation of Operational Risk Management
Pengendalian risiko operasional di Bank Ina diawali Operational risk control at Bank Ina begins with efforts to
dengan upaya menumbuhkan kesadaran akan risiko (risk raise awareness of risk (risk awareness) each employee and
awareness) setiap karyawan dan peningkatan tanggung increased responsibility (accountability) every operational
jawab (accountability) setiap pelaksanaan operasional, implementation, because operational risk is greatly influenced
karena risiko operasional sangat dipengaruhi oleh human, by human, processes, systems, and external events. Control
proses, sistem, dan kejadian eksternal. Pengendalian human error in the implementation of Bank operations,
human error pada pelaksanaan operasional Bank, dilakukan carried out by implementing the internal control system,
dengan menerapkan sistem internal control, yang berfungsi which functions to assist work units/divisions to control all
membantu unit/divisi kerja untuk mengontrol seluruh aktivitas activities carried out. The Bank has formed an Internal Control
yang dilakukan. Bank telah membentuk Unit Internal Control Unit assigned to each Branch Office. Periodically every month
yang ditempatkan pada setiap Kantor Cabang. Secara berkala internal control officers report their activities to SKAI at head
setiap bulan petugas internal control melaporkan aktivitas office. To support the implementation of internal control
kegiatannya kepada SKAI di kantor pusat. Untuk mendukung officers, the Bank has prepared Internal Control Guidelines.
pelaksanaan petugas internal control tersebut, Bank telah
menyusun Pedoman Internal Control.
Review terhadap aktivitas operasional dilakukan untuk A review of operational activities is carried out to ensure
memastikan potensi risiko yang ada dapat dikendalikan melalui that potential risks can be controlled through improved
perbaikan prosedur, perbaikan sistem, dan infrastruktur. procedures, system improvements and infrastructure.
Pencegahan fraud dilakukan dengan menerapkan strategi Fraud prevention is carried out by implementing an anti-fraud
anti-fraud yang melibatkan seluruh karyawan. Pelaksanaan strategy that involves all employees. The implementation
strategi anti-fraud mengacu pada kebijakan dan prosedur of the anti-fraud strategy refers to the internal policies and
internal yang telah ditetapkan dalam Kebijakan Manajemen procedures set out in Management Policy No. RMG/13/02/0621
No. RMG/13/02/0621 tentang Kebijakan dan Prosedur on Anti-Fraud Strategy Policies and Procedures. In addition,
Strategi Anti-Fraud. Selain itu, Bank menerbitkan kebijakan the Bank issued policy No. 001 dated on General Guidelines
No. 001 tanggal 10 Februari 2021 tentang Pedoman Umum for Whistleblowing to create mutual control at every February
Whistleblowing untuk menciptakan adanya saling kontrol di 10, 2021 level of the organization in detecting potential
setiap jenjang organisasi dalam mendeteksi potensi terjadinya fraud. Improving the quality of human resources is carried
fraud. Peningkatan kualitas sumber daya manusia dilakukan out through continuous training. Operational risk control
dengan pelatihan berkesinambungan. Pengendalian risiko is also carried out by streamlining the supervisory function,
operasional juga dilakukan dengan cara mengefektifkan reviewing and improving SOP, improving internal controls,
fungsi supervisi, review, dan penyempurnaan SOP, and periodically reviewing employee remuneration.
peningkatan internal kontrol, dan peninjauan remunerasi
karyawan secara berkala.
Penggunaan Core Banking System Temenos (T24) didukung The use of the Temenos Core Banking System (T24) is
dengan Data Center (DC) dan Data Recovery Center (DRC) supported by a reliable Data Center (DC) and Data Recovery
yang andal. Pengelolaan infrastruktur teknologi sistem Center (DRC). The management of the information system
informasi tersebut dilakukan secara outsourcing, yang technology infrastructure is carried out outsourcing, which
dimaksudkan selain untuk meningkatkan kinerja, juga untuk is intended not only to improve performance, but also
meningkatkan kualitas built in control pada proses operasional to improve the quality of built in control in operational
serta mendukung perkembangan produk dan jasa Bank processes and support the development of Bank products and
dengan fitur berbasis teknologi Informasi dan pelaksanaan services with information technology-based features and the
regulasi perbankan. implementation of banking regulations.
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Untuk memastikan BCP dapat berfungsi secara efektif, Bank To ensure that BCP can function effectively, the Bank
telah melakukan uji coba BCP pada tanggal 14 Desember conducted a BCP trial on December 14, 2023. In addition,
2023. Selain itu, BCP dilakukan pada seluruh kantor cabang/ BCP was conducted at all branches/sub-branches throughout
kantor cabang pembantu sepanjang tahun 2023, serta BCP 2023, as well as BCP related to possible cyber attacks.
terkait dengan kemungkinan serangan cyber.
Bank melakukan monitoring terhadap aktivitas transaksi The Bank monitors transaction activities and development
dan perkembangan produk digital banking. Pengembangan of digital banking products. The development of new
produk baru dan digital banking senantiasa dilaporkan dan products and digital banking is always reported and permits
dimintakan ijin kepada otoritas yang berwenang. Sementara are requested from the competent authorities. Meanwhile,
itu, manajemen risiko di bidang teknologi informasi dilakukan risk management in the field of information technology is
dengan mengacu kepada prosedur-prosedur yang telah carried out by referring to published procedures. With an
diterbitkan. Dengan efektifnya proses manajemen risiko effective operational risk management process, it is hoped
operasional diharapkan kerugian-kerugian yang dapat that expected losses can continue to be minimized, thereby
diperkirakan (expected loss) dapat terus diminimalkan, increasing operational efficiency and capital allocation, which
sehingga dapat meningkatkan efisiensi operasional dan in turn can improve the Bank’s competitiveness. Operational
alokasi modal, yang pada akhirnya dapat memperbaiki risk management is the responsibility of all work units/ divisions
daya saing Bank. Pengelolaan risiko operasional merupakan where the process of identifying, measuring, monitoring and
tanggung jawab seluruh unit/divisi kerja di mana proses controlling operational risk on a bank wide basis is carried out
identifikasi, pengukuran, pemantauan, dan pengendalian by the Risk Management Division.
risiko operasional secara bank wide dilakukan oleh Divisi
Manajemen Risiko.
2. Pengungkapan Kuantitatif 2. Quantitative Disclosure
Penghitungan risiko operasional dilakukan dengan Calculation of operational risk is carried out using the Basic
Pendekatan Indikator Dasar (PID). Hasil penghitungan risiko Indicator Approach (PID). The complete operational risk
operasional selengkapnya disajikan dalam Tabel 6. calculation results are presented in Table 6.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas dikendalikan dengan menjaga kecukupan Liquidity risk is controlled by maintaining adequacy of the Bank’s
likuiditas Bank dengan memperhitungkan likuiditas eksogenik dan liquidity by considering exogenic and endogenic liquidity that
endogenik yang terjadi. Penjagaan kualitas aset dilakukan untuk occurs. Maintaining asset quality is carried out to minimize cash
meminimalkan gangguan arus kas dan kemungkinan penurunan flow disruptions and the possibility of a decrease in asset liquidity.
likuiditas aset. Pengendalian risiko juga dilakukan dengan Risk control is also carried out by setting the maturity gap on each
pengaturan gap maturity pada tiap skala waktu, yang di-review time scale, which is reviewed during ALCO meetings which are
pada saat rapat ALCO yang dilakukan paling kurang 1 kali dalam held at least 1 time in 1 month. Safeguarding sources of liquidity is
1 bulan. Penjagaan sumber-sumber likuiditas dilakukan dengan carried out by maintaining the Bank’s reputation as well as efforts
menjaga reputasi Bank serta upaya meningkatkan kualitas produk to improve the quality of the products and services provided.
dan jasa yang diberikan. Pengelolaan risiko likuiditas dilakukan Liquidity risk management is carried out by the Treasury Work
oleh Unit Kerja Treasury, di mana proses identifikasi, pengukuran, Unit, where the process of identifying, measuring, monitoring and
pemantauan, dan pengendalian risiko likuiditas secara bank controlling liquidity risk on a bank-wide basis is carried out by the
wide dilakukan oleh Satuan Kerja Manajemen Risiko, termasuk Risk Management Work Unit, including policy making and setting
di dalamnya pembuatan kebijakan dan penetapan limit risiko limits on liquidity risk.
likuiditas.
Pengungkapan kuantitatif pengelolaan risiko likuiditas sebagai Quantitative disclosure of liquidity risk management is as follows.
berikut.
1. Profil Maturitas Rupiah selengkapnya disajikan dalam Tabel 8.1. 1. The complete Rupiah Maturity Profile is presented in Table 8.1.
2. Profil Maturitas Valas selengkapnya disajikan dalam Tabel 8.2. 2. The complete Forex Maturity Profile is presented in Table 8.2.
Rasio Hukum Legal Ratio
Proses pengendalian risiko hukum dilakukan dengan cara melakukan The legal risk control process is carried out by periodically
review secara berkala terhadap setiap kontrak dan perjanjian antara reviewing each contract and agreement between the Bank and
Bank dengan pihak lain dengan cara melakukan penilaian kembali other parties by reassessing the effectiveness of the enforceability
terhadap efektivitas proses enforceability untuk memastikan validitas process to ensure the validity of the rights in the contracts and
hak dalam kontrak dan perjanjian yang telah dibuat. Identifikasi agreements that have been made. Identification of legal risks is
risiko hukum dilakukan pada seluruh aktivitas penghimpunan dan carried out in all activities of raising and providing funds, treasury
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Tinjauan Pendukung Bisnis
Business Support Overview
penyediaan dana, treasury dan investasi, operasional dan jasa, and investment, operations and services, information system
teknologi sistem informasi, dan pengelolaan sumber daya manusia. technology, and human resource management. Every incident
Setiap kejadian yang berpotensi menimbulkan risiko hukum, that has the potential to pose a legal risk, is administered and
ditatausahakan dan diadministrasikan, selain untuk menilai tingkat administered, in addition to assessing the level of legal risk faced
risiko hukum yang dihadapi Bank, juga sebagai pembelajaran atas by the Bank, as well as learning from each case that occurs and
tiap kasus yang terjadi dan untuk mengantisipasi kemungkinan to anticipate the possibility of lawsuits or litigation. The Corporate
adanya tuntutan atau litigasi. Unit kerja Corporate Legal Legal work unit is responsible for managing the Bank’s legal risk.
bertanggung jawab terhadap pengelolaan risiko hukum Bank.
Risiko Stratejik Strategic Risk
Strategi pengembangan usaha Bank dilakukan melalui optimalisasi The Bank’s business development strategy is carried out through
kantor-kantor cabang dan juga pembukaan kantor cabang baru, optimizing branch offices as well as opening new branch offices,
pengembangan produk digital dan aktivitas sebagai Bank Devisa. developing digital products and activities as a Foreign Exchange
Saat ini, Bank telah melaksanakan aktivitas sebagai sub agen Bank. Currently, the Bank has carried out activities as a sub agent
Obligasi Ritel Indonesia (ORI) dan Sukuk Retail, serta sebagai for Indonesian Retail Bonds (ORI) and Retail Sukuk, as well as
penyalur KUR sehingga telah menambah aktivitas layanan Bank. a KUR distributor, and thus, it has added to the Bank’s service
Pengembangan produk digital banking, seperti Layanan Perbankan activities. Digital banking product development, such as Digital
Digital dan pengembangan produk lainnya saat ini sedang disiapkan Banking Services and other product developments, is currently
dengan tujuan untuk meningkatkan fee based income. Sementara being prepared with the aim of increasing fee-based income.
itu, rencana stratejik Bank lainnya, seperti aktivitas Bank Persepsi Other strategic goals for the Bank, such the activities of Collection
yang hingga saat ini masih dalam proses implementasi setelah Bank, are now still being implemented as a result of suggestions
mendapatkan rekomendasi dari Otoritas Jasa Keuangan. from the Financial Services Authority.
Bank melakukan ekspansi pemberian kredit dengan menerapkan The Bank continues to strive to expand lending by applying the
prinsip kehati-hatian untuk meningkatkan pendapatan bunga, dan precautionary principle to increase interest income, and seeks to
berupaya mengelola pertumbuhan DPK untuk dapat menekan biaya manage the growth of third-party funds to significantly reduce
dana secara signifikan yang pada akhirnya dapat meningkatkan the cost of funds which in turn can increase the Bank’s net interest
rasio net interest margin (NIM) Bank. Untuk mengendalikan risiko margin (NIM) ratio. To control strategic risk, RBB is prepared in a
stratejik, RBB disusun secara konservatif dan realistis yang secara conservative and realistic manner which can optimally be achieved
optimal bisa dicapai dengan mempertimbangkan kelebihan dan by considering the strengths and weaknesses of the Bank, as
kelemahan Bank, serta kemampuan sumber daya, baik sumber daya well as the capability of its resources, both financial resources,
financial, infrastruktur, dan sumber daya manusia yang dimiliki. infrastructure and human resources. To minimize the occurrence
Untuk meminimalkan terjadinya penyimpangan pelaksanaan of irregularities in the implementation of the Bank’s business
rencana bisnis Bank, telah dilakukan komunikasi kepada setiap plan, communications have been made to every level of the
jenjang organisasi, baik pada saat penyusunan rencana dan organization, both during the preparation of the plan and during
pada saat review pelaksanaan yang dilakukan secara berkala. periodic review of the implementation. Strategic risk control is
Pengendalian risiko stratejik juga dilakukan dengan memantau atas also carried out by monitoring the bank’s performance which is
kinerja bank yang merupakan hasil dari pelaksanaan strategi usaha the result of the implementation of the business strategy and
maupun RBB. Proses pemantauan dilakukan secara berkala melalui RBB. The monitoring process is carried out periodically through
sistem informasi manajemen yang menyediakan laporan dalam a management information system that provides reports for
rangka pengambilan keputusan oleh Manajemen Bank. decision making by the Bank’s Management.
Risiko Kepatuhan Compliance Risk
Pengendalian risiko kepatuhan dilakukan untuk meminimalkan Compliance risk control is carried out to minimize the possibility of
kemungkinan dampak negatif dari aktivitas Bank yang negative impacts from Bank activities that deviate from laws and
menyimpang dari peraturan perundangan-undangan, ketentuan, regulations, provisions and generally accepted standards. To ensure
dan standar yang berlaku umum. Untuk menjaga agar setiap that every activity of the Bank always complies with the applicable
aktivitas Bank senantiasa patuh kepada peraturan perundang- laws and regulations, routine socialization and dissemination of
undangan dan ketentuan yang berlaku, secara rutin telah regulations has been carried out (through training and issuance of
dilakukan sosialisasi dan diseminasi peraturan-peraturan (melalui memorandums) to all relevant work units so that each regulation
training dan pengeluaran memorandum) ke seluruh unit kerja can be understood and implemented correctly. To raise awareness
terkait agar setiap peraturan dapat dipahami dan dilaksanakan of all employees on the importance of compliance with rules and
dengan benar. Untuk menumbuhkan kesadaran seluruh karyawan regulations, a compliance charter has been prepared as a guide
akan pentingnya kepatuhan terhadap ketentuan dan peraturan, for all parties within Bank Ina’s organization and has been formally
telah disusun compliance charter sebagai guidance bagi semua enforced. To ensure the Bank’s operational compliance with all
pihak dalam organisasi Bank Ina dan telah diberlakukan secara the rules and regulations that surround it, it must be ensured that
formal. Untuk memastikan kepatuhan operasional Bank terhadap all operational systems and procedures have complied with the
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seluruh ketentuan dan peraturan yang melingkupinya, maka harus provisions and regulations of the applicable authorities. Therefore,
dipastikan bahwa seluruh sistem dan prosedur operasional telah a quality assurance policy and procedure has been carried out,
memenuhi ketentuan dan peraturan otoritas yang berlaku. Oleh namely an assessment process of internal policies and procedures
karena itu, telah dilakukan quality assurance policy and procedure, carried out by the Compliance Work Unit for each internal system,
yaitu proses assessment terhadap kebijakan dan prosedur internal procedure or policy that will be or has been issued. Thus, any
yang dilakukan oleh Satuan Kerja Kepatuhan terhadap setiap potential non-compliance by the Bank with provisions or laws and
sistem, prosedur, atau kebijakan internal yang akan atau sudah regulations can be detected and corrected. As a public company,
dikeluarkan. Dengan demikian, setiap potensi ketidakpatuhan the Bank must accommodate the provisions and regulations in
Bank terhadap ketentuan atau peraturan perundang-undangan the capital market sector, for this reason the Bank has optimized
dapat dideteksi dan diperbaiki. Sebagai perusahaan terbuka, Bank the function of the Corporate Secretary, so that the process of
harus mengakomodir ketentuan dan regulasi di bidang pasar monitoring and fulfilling the Bank’s obligations and commitments
modal, untuk itu Bank telah mengoptimalkan fungsi Sekretaris to the relevant authorities can be carried out properly.
Perusahaan, sehingga proses monitoring dan pemenuhan
kewajiban dan komitmen-komitmen Bank terhadap otoritas terkait
dapat dijalankan dengan baik.
Selain itu, pengendalian risiko kepatuhan dilakukan dengan In addition, compliance risk control is carried out by compiling a
penyusunan Code of Conduct yang berisi etika yang harus ditaati Code of Conduct which contains ethics that must be obeyed by
oleh setiap karyawan agar perilaku organisasi tidak menyimpang every employee so that organizational behavior does not deviate
dari standar. Kepatuhan terhadap peraturan perundang-undangan from the standard. Compliance with the applicable laws and
yang berlaku diuraikan sebagai berikut. regulations is described as follows.
1. Untuk menumbuhkan kesadaran seluruh karyawan akan 1. To raise awareness of all employees on the importance of
pentingnya kepatuhan terhadap ketentuan dan peraturan, compliance with rules and regulations, a compliance charter
telah disusun compliance charter sebagai guidance bagi has been prepared as a guide for all parties within Bank Ina’s
semua pihak dalam organisasi Bank Ina dan telah diberlakukan organization and has been formally enforced.
secara formal.
2. Satuan Kerja Kepatuhan yang bersifat independen terhadap 2. Compliance Work Unit which is independent from the
Satuan Kerja Operasional dalam melaksanakan fungsi Operational Work Unit in carrying out the compliance
kepatuhan. function.
3. Telah dilakukan quality assurance policy and procedure, yaitu 3. A quality assurance policy and procedure has been carried
proses assessment terhadap kebijakan dan prosedur internal out, namely an assessment process of internal policies and
yang dilakukan oleh fungsi kepatuhan terhadap setiap sistem, procedures carried out by the compliance function for each
prosedur, atau kebijakan internal yang akan atau sudah internal system, procedure or policy that will be or has been
dikeluarkan. issued.
4. Upaya untuk memastikan terpenuhinya ketentuan yang 4. Efforts to ensure the fulfillment of the provisions that apply in
berlaku dalam aktivitas transaksi jumlah nominal besar juga transaction activities of large nominal amounts have also been
telah dilakukan dengan mewajibkan adanya uji kepatuhan carried out by requiring a compliance test for granting credit
bagi pemberian fasilitas kredit dengan nominal di atas Rp10 facilities with a nominal value of more than IDR 10 billion.
miliar.
5. Agar perilaku organisasi tidak menyimpang dari standar, 5. In order to make the organizational behavior does not deviate
telah dibuat Code of Conduct yang berisi etika yang harus from the standard, a Code of Conduct has been created which
dilakukan oleh setiap karyawan. contains the ethics that must be carried out by every employee.
Risiko Reputasi Reputation Risk
Dalam meningkatkan pelayanan terhadap nasabah, telah In improving service to customers, officials have been appointed
ditunjuk pejabat yang berfungsi dalam melayani penyelesaian whose function is to serve the settlement of customer complaints
pengaduan nasabah dan dibuatkan prosedur pelaksanaannya. and procedures for implementing them have been made. To
Untuk meningkatkan standar pelayanan nasabah, Bank telah improve customer service standards, the Bank has policies and
memiliki kebijakan dan mekanisme pelayanan, perlindungan dan mechanisms for service, protection and resolution of customer
penyelesaian pengaduan nasabah, serta kebijakan transparansi complaints, as well as a policy of transparency in the use of
penggunaan data pribadi nasabah. Peningkatan layanan konsumen customer personal data. Improving consumer services is also
juga dilakukan melalui upaya penerapan otomatisasi transaksi carried out through efforts to implement banking transaction
perbankan (digital banking). Sementara itu, dalam bidang automation (digital banking). Meanwhile, in the operational field,
operasional, core banking system, telah berjalan dengan baik dan the core banking system, has been running well and customer
gangguan layanan nasabah telah dapat diminimalkan. service disruptions have been minimized.
PT Bank Ina Perdana Tbk
2023 Annual Report 173
Page 176
Tinjauan Pendukung Bisnis
Business Support Overview
Kepercayaan dan keyakinan masyarakat terhadap kondisi Bank Public trust and confidence in the Bank’s condition is quite good
cukup baik tercermin dari harga saham PT Bank Ina Perdana Tbk as reflected in the share price of PT Bank Ina Perdana Tbk on the
di bursa saham sepanjang 3 bulan terakhir tahun 2023 dengan stock exchange during the last 3 months of 2023 with the lowest
harga terendah sebesar Rp3.850,- dan tertinggi sebesar Rp4.260,- price of IDR3,850.- and the highest was IDR4,260.- and at the end
dan pada periode akhir laporan ditutup pada harga Rp4.090,- per of the reporting period it closed at IDR4,090.- per share.
lembar saham.
Pelaksanaan manajemen risiko reputasi dilakukan dengan upaya The implementation of reputation risk management is carried
mencegah/meminimalkan terjadinya kejadian-kejadian yang out by preventing/minimizing the occurrence of events that
dapat menurunkan reputasi Bank, antara lain melalui pelaksanaan can reduce the Bank’s reputation, including through the
Program corporate social responsibility (CSR), mengelola implementation of the corporate social responsibility (CSR),
keterbukaan informasi, melakukan komunikasi secara rutin dengan managing information disclosure, communicating regularly with
pemangku kepentingan, penjagaan kualitas produk dan layanan, stakeholders, maintaining product and service quality, maintaining
penjagaan etika bisnis dalam pelaksanaan transaksi, baik dengan business ethics in conducting transactions, both with customers
nasabah maupun transaksi di pasar uang. Setiap terjadi keluhan and transactions on the money market. Every time a customer
nasabah, Bank berupaya menanggapi dan menindaklanjuti secara complaint occurs, the Bank tries to respond and follow up quickly
cepat melalui contact centre dan unit/divisi kerja di kantor pusat through contact centre and work units/divisions at the head office
maupun cabang-cabang yang telah difungsikan untuk mengelola and branches that have been functioned to manage and resolve
dan menyelesaikan pengaduan nasabah sesuai dengan ketentuan customer complaints in accordance with the provisions regarding
mengenai perlindungan/pengaduan nasabah. customer protection/ complaints.
Dalam rangka menjaga reputasi, Bank juga berupaya menjaga In order to maintain its reputation, the Bank also seeks to maintain
transparansi produk dan jasa dengan pemberian informasi secara product and service transparency by providing correct information
benar tentang manfaat dan risiko produk dan jasa yang ditawarkan about the benefits and risks of the products and services offered
kepada masyarakat. Setiap kejadian yang terkait dengan risiko to the public. Every incident related to reputation risk is recorded
reputasi dicatat dan ditatausahakan sehingga dapat menjadi and administered so that it can become a lesson in the future and
pelajaran di masa datang dan untuk memproyeksikan potensi to project potential losses that may arise and preventive measures
kerugian yang mungkin timbul dan langkah-langkah pencegahan that must be taken. As a public company, the Bank applies the
yang harus dilakukan. Sebagai perusahaan terbuka, Bank principle of information disclosure by conveying significant
menerapkan prinsip keterbukaan informasi dengan menyampaikan information to the public. The management of this information is
informasi yang bersifat signifikan kepada masyarakat. Pengelolaan the duty and responsibility of the Corporate Secretary.
informasi tersebut menjadi tugas dan tanggung jawab Sekretaris
Perusahaan.
Konglomerasi Keuangan Financial Conglomeration
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2020 Based on the Financial Services Authority Regulation No. 45/
tentang Konglomerasi Keuangan, Pemegang Saham Pengendali POJK.03/2020 on Financial Conglomeration, the Controlling
(PSP) PT Bank Ina Perdana, yaitu PT Indolife Pensiontama, Shareholder (PSP) of PT Bank Ina Perdana is PT Indolife Pensiontama
sedangkan Pemegang Saham Pengendali Terakhir adalah Anthoni and the Ultimate Controlling Shareholder is Anthoni Salim. In
Salim. Berkaitan dengan hal tersebut, Bank Ina tidak membentuk this regard, Bank Ina does not form a financial conglomeration
konglomerasi keuangan karena dikategorikan pada Lembaga Jasa because it is categorized as a Financial Services Institution in a
Keuangan yang berada dalam kelompok grup usaha dengan aset business group with assets less than Rp100 trillion.
yang masih kurang dari Rp100 triliun.
PT Bank Ina Perdana Tbk
174 Laporan Tahunan 2023
Page 177
Tabel 1
Pengungkapan Kuantitatif Struktur Permodalan Bank Umum
Disclosure of Net Receivables by Area - Bank Only (dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal
Laporan Tahun
Posisi
Sebelumnya
Tanggal Laporan
Komponen Modal Position at
Position of
Capital Component Reporting Date
Reporting Date
of the Previous
Year
Bank Bank
Modal Inti (Tier 1)
I. 3.471.368 3.221.320
Core Capital (TIER 1)
I Modal Inti Utama
3.471.368 3.221.320
Common Equity Tier 1 (CET I)
1.1 Modal Disetor (Setelah dikurangi Saham Treasury)
613.472 593.710
Paid-in Capital (Net of Treasury Stock)
1.2 Cadangan Tambahan Modal
2.916.193 2.691.756
Disclosed Reserve
1.2.1 Faktor Penambah
2.944.318 2.753.364
Additional Factor
1.2.1.1 Pendapatan Kompherensif Lainnya
2.841 -
Other Comprehensive Income
1.2.1.1.1 Selisih Lebih Penjabaran Laporan Keuangan
Excess Differences Arising from Translation of Financial - -
Statement
1.2.1.1.2 Potensi Keuntungan dari Peningkatan Nilai Wajar Aset Keuangan
yang Diukur pada Nilai Wajar melalui Penghasilan Komprehensif Lain
2.841 -
Potential Gain from an Increase in Fair Value of Financial Assets
Measured at Fair Value through Other Comprehensive Income
1.2.1.1.3 Saldo Surplus Revaluasi Aset Tetap
- -
Fixed Asset Revaluation
1.2.1.2 Cadangan Tambahan Modal Lainnya (Other Disclosed Reserves)
2.941.477 2.753.364
Other Disclosed Reserves
1.2.1.2.1 Agio 2.482.288 1.707.342
1.2.1.2.2 Cadangan Umum
64.995 33.586
General Reserves
1.2.1.2.3 Tahun-Tahun Lalu
186.318 60.680
Previous Years Profit
1.2.1.2.4 Laba Tahun Berjalan
207.876 157.048
Current Year Profit
1.2.1.2.5 Dana Setoran modal
- 794.708
Capital Paid in Advance
1.2.1.2.6 Lainnya
- 0
Others
1.2.2 Faktor Pengurang
(28.124) (61.608)
Deduction Factor
1.2.2.1Pendapatan Kompherensif Lainnya
- (58.447)
Other Comprehensive Income
1.2.2.1.1 Selisih Kurang Penjabaran Laporan Keuangan
- -
Excess Differences Less from Translation of Financial Statement
1.2.2.1.2 Potensi Kerugian dari Penurunan Nilai Wajar Aset Keuangan yang
Diukur pada Nilai Wajar melalui Penghasilan Komprehensif Lain
- (58.447)
Potential Loss from a Decrease in Fair Value of Financial Assets
Measured at Fair Value through Other Comprehensive Income
1.2.2.2 Cadangan Tambahan Modal Lainnya (Other Disclosed Reserves)
(28.124) (3.161)
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
- -
Current Year Loss
PT Bank Ina Perdana Tbk
2023 Annual Report 175
Page 178
Tinjauan Pendukung Bisnis
Business Support Overview
Posisi Tanggal
Laporan Tahun
Posisi
Sebelumnya
Tanggal Laporan
Komponen Modal Position at
Position of
Capital Component Reporting Date
Reporting Date
of the Previous
Year
Bank Bank
1.2.2.2.4 Selisih Kurang antara Penyisihan Penghapusan Aset (PPA) dan
Cadangan Kerugian Penurunan Nilai (CKPN) atas Aset Produktif
(13.516) -
Differences Between Allowance for Possible Losses and Allow-
ance for Impairment Losses of Earning Assets
1.2.2.2.5 Selisih Kurang Jumlah Penyesuaian Nilai Wajar dari Instrumen
Keuangan dalam Trading Book
- -
Negative Differences on Adjustment of Fair Value on Financial
Instrument in the Trading Book
1.2.2.2.6 PPA Aset Non Produktif yang Wajib Dibentuk
(14.608) (3.161)
Allowance for Possible Losses on Non-Productive Assets
1.2.2.2.7 Lainnya
- -
Others
1.3 Kepentingan Non Pengendali yang Dapat Diperhitungkan
- -
Non-Controlling Interests that can be Calculated
1.4 Faktor Pengurang Modal Inti Utama
(58.298) (64.146)
Deduction Factor to Common Equity Tier 1
1.4.1 Perhitungan Pajak Tangguhan
(32.717) (44.907)
Deferred Tax Calculation
1.4.2 Goodwill - -
1.4.3 Aset Tidak Berwujud Lainnya
(25.581) (19.239)
Other Intangible Asset
1.4.4 Penyertaan yang Diperhitungkan sebagai Faktor Pengurang
- -
Investment that can be Calculated as Deduction Factor
1.4.5 Kekurangan Modal pada Perusahaan Anak Asuransi
- -
Shortage of Capital on Insurance Subsidiary Company
1.4.6 Eksposur Sekuritisasi
- -
Securitisation Exposures
1.4.7 Faktor Pengurang Modal Inti Lainnya
- -
Other Deduction Factor to Core Capital
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 with Other Banks
1.4.7.2 Kepemilikan Silang Pada Entitas Lain yang Diperoleh Bedasarkan
Peralihan karena Hukum, Hibah, Hibah Wasiat
- -
Cross Ownership in Other Entities that is Obtained on a Basis of Transfer
due to the Law, Grants, Testament Grants
1.4.7.3 Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Settlement
(Settlement Risk) - Non Delivery Versus Payment
-
Exposure that Causes Credit Risk due to Settlement Risk – Non-Delivery
Versus Payment
1.4.7.4 Eksposur di Perusahaan Anak yang Melakukan Kegiatan Usaha
Berdasarkan Prinsip Syariah (apabila ada)
-
Exposure in Subsidiaries Conducting Business Activities based on Sharia
Principle (if any)
2 Modal Inti Tambahan (AT-1)
- -
Additional Tier 1 (AT 1)
2.1 Instrumen yang Memenuhi Persyaratan AT1
- -
The Instrument Meets the Requirements Of AT1
2.2 Agio/Disagio - -
2.3 Faktor Pengurang Modal Inti Tambahan
- -
Deduction Factors to Additional Tier
2.3.1 Penempatan Dana pada Instrumen AT1 dan /atau Tier 2 pada Bank Lain
- -
Placement of Funds in Instruments AT 1 and/or Tier 2 Other Banks
2.3.2 Kepemilikan Silang pada Entitas Lain yang Diperoleh Berdasarkan Peralihan
karena Hukum, Hibah, atau Wasiat
- -
Cross-Ownership in Another Entity Acquired by the Transition Because of the
Law, Grant, or Testament
PT Bank Ina Perdana Tbk
176 Laporan Tahunan 2023
Page 179
Posisi Tanggal
Laporan Tahun
Posisi
Sebelumnya
Tanggal Laporan
Komponen Modal Position at
Position of
Capital Component Reporting Date
Reporting Date
of the Previous
Year
Bank Bank
II. Modal Pelengkap (Tier 2)
156.650 115.332
Supplementary Capital (Tier 2)
1 Instrumen Modal dalam Bentuk Saham atau Lainnya yang Memenuhi Persyaratan Tier 2
Capital Instrument in Form of Shares or Others which are Qualified Tier 2 -
Requirements
2 Agio atau Disagio
-
Agio or Disagio
3 Cadangan Umum Aset Produktif PPA yang Wajib Dibentuk (Maks 1,25% ATMR Risiko Kredit)
166.656 125.796
General Allowance for Possible Losses of Earning Assets (Maximum 1.25% of RWA)
4 Faktor Pengurang Modal Pelengkap
(10.006) (10.464)
Deduction Factor to Supplementary Capital
4.1 Sinking Fund - -
4.2 Penempatan Dana pada Instrumen Tier 2 pada Bank Lain
(10.006) (10.464)
Placement of Funds in Tier 2 Instruments with Other Banks
4.3 Kepemilikan Silang pada Entitas Lain yang Diperoleh Berdasarkan Peralihan karena Hukum,
Hibah, atau Wasiat
- -
Cross-Ownership in Another Entity Acquired by the Transition Because of the Law, Grants,
or Grants Will
III. FAKTOR PENGURANG MODAL BERUPA EKSPOSUR YANG MENIMBULKAN RISIKO KREDIT
AKIBAT KEGAGALAN SETTLEMENT (SETTLEMENT RISK) - NON DELIVERY VERSUS PAYMENT
- -
Deduction of Capital in the form of Exposures that Cause Credit Risk due to Settlement
Risk - Non Delivery Versus Payment
IV. FAKTOR PENGURANG MODAL BERUPA EKSPOSUR DI PERUSAHAAN ANAK YANG MELAKU-
KAN KEGIATAN USAHA BERDASARKAN PRINSIP SYARIAH (APABILA ADA)
- -
Deduction of Capital in the form of Exposure In Subsidiaries Conducting Business
Activities Based on Sharia Principles (if any)
Total Modal
3.628.018 3.336.652
Total Capital
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless stated otherwise
31-Des-23 Keterangan 31-Des-23 31-Des-21
31-Dec-23 Description 31-Dec-23 31-Dec-21
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
RISK WEIGHTED ASSET CAR Ratio
ATMR Risiko Kredit
13.332.473 Rasio CET 1 (%) 24,53% 30,06%
RWA Credit Risk
ATMR Risiko Pasar
31.420 Rasio Tier 1 (%) 24,53% 30,06%
RWA Market Risk
ATMR Risiko Operasional
789.946 Rasio Tier 2 (%) 1,11% 1,08%
RWA Operating Risk
TOTAL ATMR
14.153.839 Rasio KPMM (%) 25,63% 31,14%
Total RWA
*) Rasio KPMM sesuai Profil Risiko (%)
9,00% CET 1 Untuk Buffer (%) 16,63% 22,14%
CAR Ratio based on Risk Profile (%)
PT Bank Ina Perdana Tbk
2023 Annual Report 177
Page 180
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 1.1
Pengungkapan Tagihan Bersih berdasarkan Wilayah - Bank secara Individual
Disclosure of Net Receivables by Area - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih berdasarkan Wilayah
No. Kategori Portofolio Net Receivables by Area
Luar Jawa
Jabar Banten DKI DIY Jateng Jatim Outside
Java
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1 Tagihan kepada Pemerintah - - 4.467.941 - - - -
2 Tagihan kepada Entitas Sektor Publik - - - - - - -
Tagihan kepada Bank Pembangunan
3 - - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank 9.227 - 2.019.431 - - - -
5 Kredit Beragun Rumah Tinggal 2.329 - 35.353 - 3.449 41.625 19.995
6 Kredit Beragun Properti Komersial - - - - - - -
7 Kredit Pegawai/Pensiunan - - - - - - -
Tagihan kepada Usaha Mikro, Usaha
8 286.263 - 1.569.509 85.279 127.231 223.058 659.610
Kecil, dan Portofolio Ritel
9 Tagihan kepada Korporasi 1.193.864 - 2.961.876 389.169 845.435 2.054.795 687.727
10 Tagihan yang Telah Jatuh Tempo - - 599 - - 27.499 -
11 Aset Lainnya - - 395.661 - - - -
Total 1.491.683 - 11.450.370 474.448 976.115 2.346.976 1.367.333
Tabel 1.2
Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Disclosure of Net Receivables by Contractual Maturity - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
No. Kategori Portofolio Net Receivables by Contractual Maturity
<=1 >1 s.d. 3 >s.d. 5
> 5 tahun Non
tahun tahun tahun Total
year Contractual
year year year
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan kepada Pemerintah 196.162 47.515 18.311 962.787 3.243.167 4.467.941
2 Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan
3 - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank 1.605.261 209.270 26.888 9.227 178.900 2.029.545
5 Kredit Beragun Rumah Tinggal 547 4.542 2.397 157.650 - 165.136
6 Kredit Beragun Properti Komersial - - - - - -
7 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha
8 1.523.496 491.133 357.664 777.587 - 3.149.880
Kecil, dan Portofolio Ritel
9 Tagihan kepada Korporasi 5.280.991 1.857.216 2.143.201 2.424.048 - 11.705.457
10 Tagihan yang Telah Jatuh Tempo 181.015 27.688 3.149 69.959 - 281.811
11 Aset Lainnya - - - - 395.661 395.661
PT Bank Ina Perdana Tbk
178 Laporan Tahunan 2023
Page 181
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of Previous Year
Tagihan Bersih berdasarkan Wilayah
Net Receivables by Area Portfolio Category
Luar Jawa
Jabar Banten DKI DIY Jateng Jatim Outside
Java
(10) (11) (12) (13) (14) (15) (16) (2)
- - 5.293.561 - - - - Receivables on Sovereigns
- - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - - -
Banks and International Institutions
- - 476.842 - - - - Receivables on Banks
2.366 58.121 27.792 - 4.376 37.962 9.674 Loans Secured by Residential Property
- - - - - - - Loans Secured by Commercial Real Estate
- - - - - - - Employee/ Retired Loans
Receivables on Micro, Small Business,
47.058 64.987 66.051 9.139 24.540 19.364 55.571
and Retail Portfolio
909.203 790.615 6.653.926 428.136 725.000 1.738.652 838.065 Receivables on Corporate
- - - - - - - Past Due Receivables
- - 552.914 - - - - Other Assets
958.627 913.723 13.071.086 437.276 753.916 1.795.978 903.310 Total
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of Previous Year
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
Net Receivables by Contractual Maturity Portfolio Category
>1 s.d. 3 >3 s.d. 5
<=1 tahun > 5 tahun Non
tahun tahun Total
year year Contractual
year year
(9) (10) (11) (12) (13) (14) (2)
- - 18.433 1.092.859 4.182.269 5.293.561 Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development
- - - - - -
Banks and International Institutions
8.415 76.594 155.082 236.751 - 476.842 Receivables on Banks
154 4.458 10.470 125.207 - 140.290 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business, and
107.562 98.632 64.072 16.445 - 286.711
Retail Portfolio
5.641.428 1.914.215 2.206.930 2.207.607 113.417 12.083.598 Receivables on Corporate
- - - - - - Past Due Receivables
- - - - 552.914 552.914 Other Assets
PT Bank Ina Perdana Tbk
2023 Annual Report 179
Page 182
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 1.3
Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Net Receivables by Economic Sectors - Bank Only
Tagihan kepada
Bank Pembangunan
Tagihan kepada Multilateral
Kredit Beragun
Tagihan kepada Entitas Sektor dan Lembaga Tagihan kepada
Rumah Tinggal
Pemerintah Publik Internasional Bank
No. Sektor Ekonomi Loans Secured
Receivables Receivables on Receivables on Receivables
by Residential
on Sovereigns Public Sector Multilateral on Banks
Property
Entities Development Banks
and International
Institutions
(1) (2) (3) (4) (5) (6) (7)
Posisi Tanggal Laporan
Pertanian, Perburuan,
1 - - - - -
dan Kehutanan
2 Perikanan - - - - -
Pertambangan dan
3 - - - - -
Penggalian
4 Industri Pengolahan - - - - -
5 Listrik, Gas Dan Air - - - - -
6 Konstruksi - - - - -
Perdagangan Besar dan
7 - - - - -
Eceran
Penyediaan Akomodasi
8 dan Penyediaan Makan - - - - -
Minum
Transportasi
9 Pergudangan dan - - - - -
Komunikasi
10 Perantara Keuangan 4.467.941 - - 2.029.545 -
Real Estate, Usaha
11 Persewaan dan Jasa - - - - -
Perusahaan
Administrasi
Pemerintahan,
12 - - - - -
Pertahanan Dan
Jaminan Sosial Wajib
13 Jasa Pendidikan - - - - -
Jasa Kesehatan dan
14 - - - - -
Kegiatan Sosial
Jasa Kemasyarakatan,
15 Sosial Budaya, Hiburan - - - - -
dan Perorangan Lainnya
Jasa Perorangan Yang
16 - - - - 165.136
Melayani Rumah Tangga
Badan Internasional
17 Dan Badan Ekstra - - - - -
Internasional Lainnya
Kegiatan Yang Belum
18 148.165
Jelas Batasannya
19 Rumah Tangga - - - - 4.209
Bukan Lapangan Usaha
20 - - - - 12.066
Lainnya
Total 4.467.941 - - 2.029.545 329.575
PT Bank Ina Perdana Tbk
180 Laporan Tahunan 2023
Page 183
(dalam jutaan Rupiah / in million Rupiah)
Tagihan kepada
Kredit
Usaha Mikro,
Beragun Tagihan Tagihan yang
Kredit Pegawai/ Usaha Kecil, dan
Properti kepada Telah Jatuh
Pensiunan Portofolio Ritel Aset Lainnya
Komersial Korporasi Tempo Economic Sectors
Employee/ Receivables on Other Assets
Employee/ Receivables Past Due
Retired Loans Micro, Small
Retired on Corporate Receivables
Business, and
Loans
Retail Portfolio
(8) (9) (10) (11) (12) (13) (2)
Position at Reporting Date
Agriculture, Hunting,
- - 298.257 283.184 - -
and Forestry
- - - 72.273 - - Fishery
- - 257.946 527.218 3.000 - Mining and Quarrying
- - 275.426 2.609.665 15.250 - Manufacturing
- - 21.943 241.302 - - Electricity, Gas, and Water
- - 204.188 698.883 42.460 - Construction
Wholesale and Retail
- - 609.566 1.788.489 139.520 -
Trading
Hotel and Food and
- - 146.307 571.695 19.636 -
Beverage
Transportation,
- - 259.710 509.061 - - Warehousing and
Communications
- - 170.085 2.578.974 - - Financial Intermediary
Real Estate, Rental and
- - 385.278 964.242 4.995 -
Business Services
Government
Administration, Defense,
- - 209.625 51.974 - -
and Compulsory Social
Security
- - 52.482 36.438 - Education Services
Human Health and Social
- - 37.680 153.499 -
Work Activities
Public, Socio-Culture,
- - 17.541 - - Entertainment and Other
Personal Services
Individual Services for
- - 171.261 2.778 50.662 -
Households
International Agencies
- - 32.586 - 6.289 - and Other International
Extra Agencies
Activities with Unclear
49.558 - 28.098 -
Boundaries
- - - - - - Household
- - 14.321 2.442 1.887 395.661 Non Business Field
- - 3.213.758 11.092.118 311.796 395.661 Total
PT Bank Ina Perdana Tbk
2023 Annual Report 181
Page 184
Tinjauan Pendukung Bisnis
Business Support Overview
Tagihan kepada
Bank Pembangunan
Tagihan kepada Multilateral
Kredit Beragun
Tagihan kepada Entitas Sektor dan Lembaga Tagihan kepada
Rumah Tinggal
Pemerintah Publik Internasional Bank
No. Sektor Ekonomi Loans Secured
Receivables Receivables on Receivables on Receivables
by Residential
on Sovereigns Public Sector Multilateral on Banks
Property
Entities Development Banks
and International
Institutions
(1) (2) (3) (4) (5) (6) (7)
Posisi Laporan Tahun Sebelumnya -
Pertanian, Perburuan,
1 - - - - -
dan Kehutanan
2 Perikanan - - - - -
Pertambangan dan
3 - - - - -
Penggalian
4 Industri Pengolahan - - - - -
5 Listrik, Gas Dan Air - - - - -
6 Konstruksi - - - - -
Perdagangan Besar dan
7 - - - - -
Eceran
Penyediaan Akomodasi
8 dan Penyediaan Makan - - - - -
Minum
Transportasi
9 Pergudangan dan - - - - -
Komunikasi
10 Perantara Keuangan 5.293.561 - - 476.842 -
Real Estate, Usaha
11 Persewaan dan Jasa - - - - -
Perusahaan
Administrasi
Pemerintahan,
12
Pertahanan, dan
Jaminan Sosial Wajib
13 Jasa Pendidikan - - - - -
Jasa Kesehatan dan
14 - - - - -
Kegiatan Sosial
Jasa Kemasyarakatan,
15 Sosial Budaya, Hiburan - - - - -
dan Perorangan Lainnya
Jasa Perorangan Yang
16 - - - - -
Melayani Rumah Tangga
Badan Internasional
17 Dan Badan Ekstra - - - - -
Internasional Lainnya
Kegiatan Yang Belum
18 - - - - -
Jelas Batasannya
19 Rumah Tangga - - - - 140.290
Bukan Lapangan Usaha
20 - - - - -
Lainnya
Total 5.293.561 - - 476.842 140.290
PT Bank Ina Perdana Tbk
182 Laporan Tahunan 2023
Page 185
Tagihan kepada
Kredit
Usaha Mikro,
Beragun Tagihan Tagihan yang
Kredit Pegawai/ Usaha Kecil, dan
Properti kepada Telah Jatuh
Pensiunan Portofolio Ritel Aset Lainnya
Komersial Korporasi Tempo Economic Sectors
Employee/ Receivables on Other Assets
Employee/ Receivables Past Due
Retired Loans Micro, Small
Retired on Corporate Receivables
Business, and
Loans
Retail Portfolio
(8) (9) (10) (11) (12) (13) (2)
- - - Position at Reporting Date of the Previous Year
Agriculture, Hunting,
- - 29.731 249.243 - -
and Forestry
- - - 43.477 - - Fishery
- - 726 232.740 - - Mining and Quarrying
- - 15.247 2.423.612 - - Manufacturing
- - - - - - Electricity, Gas, and Water
- - - 876.318 - - Construction
Wholesale and Retail
- - 11.583 679.490 - -
Trading
Hotel and Food and
- - 58.811 1.487.017 - -
Beverage
Transportation,
- - 4.465 624.159 - - Warehousing and
Communications
- - 2.652 2.990.185 - - Financial Intermediary
Real Estate, Rental and
- - 56.864 469.233 - -
Business Services
Government
Administration, Defence,
and Compulsory Social
Security
- - 9.389 1.042.570 - - Education Services
Human Health and Social
- - 3.538 68.410 - -
Work Activities
Public, Socio-Culture,
- - - 810.768 - - Entertainment and Other
Personal Services
Individual Services for
- - - - - -
Households
Individual Services for
- - - - - -
Households
International Agencies
- - - - - - and Other International
Extra Agencies
- - 80.064 58.002 - - Household
- - 8.422 33.592 - 552.914 Non Business Field
- - 281.492 12.088.817 - 552.914 Toral
PT Bank Ina Perdana Tbk
2023 Annual Report 183
Page 186
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 1.4
Pengungkapan Tagihan dan Pencadangan berdasarkan Wilayah - Bank secara Individual
Disclosure of Receivables and Provisioning based on Area - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Wilayah
Area
No. Keterangan
Luar
Jawa
Jabar Banten DKI DIY Jateng Jatim Total
Outside
Java
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan 1.491.683 - 11.450.370 474.448 976.115 2.346.976 1.367.333 18.106.925
Tagihan yang Mengalami Penurunan
2 18.103 29.935 292.609 25.457 95.219 122.926 44.550 628.799
Nilai (Impaired)
a. Belum Jatuh Tempo 42 1.356 135.647 34 5.924 12.354 37.250 192.607
b. Sudah Jatuh Tempo 18.061 28.579 156.962 25.423 89.295 110.572 7.300 436.192
Cadangan Kerugian Penurunan Nilai -
3 4.997 11.949 91.765 2.513 49.609 38.142 259 199.234
Individual
Cadangan Kerugian Penurunan
4 8.427 12.101 53.920 13.220 8.617 14.527 24.285 135.097
Nilai - Kolektif
5 Tagihan yang Dihapus Buku - 3 99.709 624 637 31 2 101.006
Tabel 1.5
Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Receivables and Provisioning based on Area - Bank Only
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Sudah Jatuh Tempo
Non Past Due Past Due
(1) (2) (3) (4) (5)
Posisi Tanggal Laporan
1 Pertanian, Perburuan, dan Kehutanan 581.441 - -
2 Perikanan 72.273 - -
3 Pertambangan dan Penggalian 788.164 24.404 3.000
4 Industri Pengolahan 2.900.341 825 15.250
5 Listrik, Gas Dan Air 263.246 - -
6 Konstruksi 945.530 57.200 42.460
7 Perdagangan Besar dan Eceran 2.537.575 70.621 139.520
Penyediaan Akomodasi dan Penyediaan Makan
8 737.637 - 19.636
Minum
9 Transportasi Pergudangan dan Komunikasi 768.772 76.171 -
10 Perantara Keuangan 9.246.546 16.691 -
Real Estate, Usaha Persewaan dan Jasa
11 1.354.515 72.639 4.995
Perusahaan
Administrasi Pemerintahan, Pertahanan dan
12 261.599 - -
Jaminan Sosial Wajib
13 Jasa Pendidikan 88.920 - -
14 Jasa Kesehatan dan Kegiatan Sosial 191.178 - -
Jasa Kemasyarakatan, Sosial Budaya, Hiburan,
15 17.541 - -
dan Perorangan Lainnya
16 Jasa Perorangan Yang Melayani Rumah Tangga 389.836 17.046 -
Badan Internasional Dan Badan Ekstra
17 38.875 - -
Internasional Lainnya
PT Bank Ina Perdana Tbk
184 Laporan Tahunan 2023
Page 187
(dalam jutaan Rupiah / in million Rupiah)
Posisi Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Wilayah
Position at Reporting Date
Description
Luar
Jawa
Jabar Banten DKI DIY Jateng Jatim Total
Outside
Java
(11) (12) (13) (14) (15) (16) (17) (18) (2)
958.627 913.723 13.071.086 437.276 753.916 1.795.978 903.310 18.833.915 Receivables
Impaired
19.782 20.506 55.726 8.358 7.060 113.912 14.386 239.731
Receivables
19.782 20.506 55.726 8.358 7.060 113.912 14.386 239.731 a. Non Past Due
- - - - - - - - b. Past Due
Individual Allowance for Impairment
11.028 7.649 34.285 2.746 1.800 60.679 1.226 119.414
Losses-Individual
Allowance for Impairment Losses
376 3.986 8.870 935 1.245 8.693 2.763 26.866
- Collective
- 3 100.600 629 643 32 2 101.908 Written-Off Receivables
(dalam jutaan Rupiah / in million Rupiah)
Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai (CKPN) Penurunan Nilai (CKPN) Tagihan yang Dihapus
Individual Kolektif Buku Economic Sectors
Allowance for Impairment Allowance for Impairment Written-Off Receivables
Losses - Individual Losses - Collective
(6) (7) (8) (2)
Position at Reporting Date
- - - Agriculture, Hunting, and Forestry
- - - Fishery
274 274 34.119 Mining and Quarrying
1.549 1.549 - Manufacturing
- - - Electricity, Gas, and Water
58.116 58.116 174 Construction
58.518 58.518 - Wholesale and Retail Trading
259 259 32 Hotel and Food and Beverage
Transportation, Warehousing and
38.909 38.909 65.878
Communications
7.645 7.645 - Financial Intermediary
4.995 4.995 Real Estate, Rental, and Business Services
Government Administration, Defence, and
- -
Compulsory Social Security
- - Education Services
- - Human Health and Social Work Activities
Public, Socio-Culture, Entertainment, and
- -
Other Personal Services
8.044 8.044 - Individual Services for Households
International Agencies and Other International
- - -
Extra Agencies
PT Bank Ina Perdana Tbk
2023 Annual Report 185
Page 188
Tinjauan Pendukung Bisnis
Business Support Overview
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Tagihan
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Sudah Jatuh Tempo
Non Past Due Past Due
(1) (2) (3) (4) (5)
18 Kegiatan Yang Belum Jelas Batasannya 225.820 - -
19 Rumah Tangga 4.209 400 50.662
20 Bukan Lapangan Usaha 426.377 10.991 6.289
Total 21.840.395 346.988 281.811
Posisi Tanggal Laporan Tahun sebelumnya
1 Pertanian, Perburuan, dan Kehutanan 278.974 - -
2 Perikanan 43.477 - -
3 Pertambangan dan Penggalian 233.467 3.000 -
4 Industri Pengolahan 2.438.859 - -
5 Konstruksi 876.318 12.391 -
6 Perdagangan Besar dan Eceran 691.073 39.390 -
Penyediaan Akomodasi dan Penyediaan Makan
7 1.545.828 - -
minum
8 Transportasi Pergudangan dan komunikasi 628.624 - -
9 Perantara Keuangan 8.763.240 - -
Real Estate, Usaha Persewaan dan Jasa
10 526.097 - -
Perusahaan
11 Jasa Pendidikan 1.051.959 - -
12 Jasa Kesehatan dan Kegiatan Sosial 71.948 644 -
Jasa Kemasyarakatan, Sosial Budaya, Hiburan,
13 810.768 - -
dan Perorangan Lainnya
14 Rumah Tangga 278.356 37.941 -
15 Bukan Lapangan Usaha 594.929 3.829 -
Total 18.833.916 97.194 -
Tabel 1.6
Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual
Movement of Allowance for Impairment Losses Disclosure - Bank Only
Posisi Tanggal Laporan
No. Keterangan Position at Reporting Date
Stage 1 Stage 2 Stage 3 Total
(1) (2) (3) (4) (5) (6)
1 Saldo Awal CKPN 34.340 64.419 138.808 237.567
2 Pengalihan 43.460 (47.764) 4.304 -
Pengukuran Kembali Bersih Penyisihan
3 (40.580) 21.863 111.010 92.293
Kerugian
Aset Keuangan Baru yang Diterbitkan atau
4 27.382 10.097 913 38.392
Dibeli
Aset Keuangan yang Dihentikan
5 (5.496) (5.231) (16.480) (27.207)
Pengakuannya
6 Total Penambahan (18.694) 26.729 95.443 103.478
7 Aset Keuangan yang Dihapusbukukan - - (5.854) (5.854)
Penerimaan Kembali Kredit yang Telah
8 38 - - 38
Dihapusbukukan
Saldo Akhir CKPN 59.144 43.384 232.701 335.229
PT Bank Ina Perdana Tbk
186 Laporan Tahunan 2023
Page 189
Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai (CKPN) Penurunan Nilai (CKPN) Tagihan yang Dihapus
Individual Kolektif Buku Economic Sectors
Allowance for Impairment Allowance for Impairment Written-Off Receivables
Losses - Individual Losses - Collective
(6) (7) (8) (2)
- - - Activities with Unclear Boundaries
11.124 11.124 278 Household
9.800 9.800 - Non Business Field
199.234 199.234 100.481 Total
Position at Reporting Date of the Previous Year
- 364 - Agriculture, Hunting, and Forestry
- 25 - Fishery
541 871 34.316 Mining and Quarrying
- 3.140 - Manufacturing
2.857 3.054 - Construction
21.925 28.666 61 Wholesale and Retail Trading
3.669 27.027 - Hotel and Food and Beverage
Transportation, Warehousing, and
6.453 8.430 19
Communications
6.731 1.074 41.809 Financial Intermediary
- 2.170 - Real Estate, Rental, and Business Services
- 1.906 - Education Services
- 791 - Human Health and Social Work Activities
Public, Socio-Culture, Entertainment, and
- 1.535 -
Other Personal Services
14.914 168 276 Household
2.566 4.302 - Non Business Field
59.657 83.522 76.481 Total
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year Description
Stage 1 Stage 2 Stage 3 Total
(7) (8) (9) (10) (2)
Beginning Balance - Allowance for
59.463 84 83.632 143.179
Impairment Losses
(40.199) 60.017 (19.818) - Movement
19.264 60.101 63.814 143.179 Net Remeasurement of Loss Allowance
17.212 4.324 78.077 99.613 New Financial Assets Issued or Purchased
(2.324) (6) (2.745) (5.075) Derecognized Financial Assets
14.888 4.318 75.332 94.538 Total Additions
- - - - Written Off Financial Assets
188 (338) (150) Recoveries from Written Off Loans
74.539 4.402 158.626 237.567 Ending Balance
PT Bank Ina Perdana Tbk
2023 Annual Report 187
Page 190
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 2
Pengungkapan Tagihan Bersih berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih
Net Receivables
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
BBB+ s.d. BB+ s.d. Kurang
A+ s.d. B+ s.d.
Standart and AAA AA+ s.d. AA- BBB- BB- dari B-
A- B-
Pour’s AAA AA+ to AA- BBB+ to BB+ to Lower
A+ to A- B+ to B-
BBB- BB- than B-
BBB+ s.d. BB+ s.d. Kurang
A+ s.d. B+ s.d.
AAA AA+ s.d. AA- BBB- BB- dari B-
Fitch Rating A- B-
AAA AA+ to AA- BBB+ to BB+ to Lower
A+ to A- B+ to B-
BBB- BB- than B-
Aa1 s.d. Baa1 s.d. Ba1 s.d. Kurang
B1 s.d.
Aaa Aa1 s.d. Aa3 A3 Baa3 Ba3 dari B3
Moody’s B3
No. Kategori Portofolio Aaa Aa1 to Aa3 Aa1 to Baa1 to Ba1 to Lower
B1 to B3
A3 Baa3 Ba3 than B3
BBB+(idn) BB+(idn) Kurang
A+(idn) B+(idn)
AA+(idn) s.d. s.d. BBB- s.d. BB- dari
s.d. s.d.
PT Fitch Ratings AAA(idn) AA-(idn) (idn) (idn) B-(idn)
A-(idn) B-(idn)
Indonesia AAA(idn) AA+(idn) to BBB+(idn) BB+(idn) Lower
A+(idn) B+(idn)
AA-(idn) to BBB- to BB- than
to A-(idn) to B-(idn)
(idn) (idn) B-(idn)
[idr]BBB+ [idr]BB+ Kurang
[idr]A+ [idr]B+
[idr]AA+ s.d. s.d. [idr] s.d. [idr] dari [idr]
s.d. [idr] s.d. [idr]
PT ICRA [Idr]AAA [idr]AA- BBB- BB- B-
A- B-
Indonesia [Idr]AAA [idr]AA+ to [idr]BBB+ [idr]BB+ Lower
[idr]A+ to [idr]B+ to
[idr]AA- to [idr] to [idr] than [idr]
[idr]A- [idr]B-
BBB- BB- B-
Kurang
id BBB+ id BB+ id B+
idAA+ s.d. idA+ s.d. dari d
s.d. id s.d. id s.d. id
PT Pemeringkat idAAA idAA- idA- B-
BBB- BB- B-
Efek Indonesia idAAA idAA+ to idA+ s.d Lower
id BBB+ id BB+ id B+ to
idAA- idA- than d
to id BBB- to id BB- id B-
B-
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada Pemerintah - - - - - - - -
2 Tagihan kepada Sektor Publik - - - - - - - -
Tagihan kepada Bank
3 Pembangunan Multilateral - - - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank - 250.531 - - 10.000 - - -
Kredit Beragunan Rumah
5 - - - - - - - -
Tinggal
Kredit Beragun Properti
6 - - - - - - - -
Komersial
7 Kredit Pegawai/Pensiunan - - - - - - - -
Tagihan kepada Usaha Mikro,
8 Usaha Kecil, dan Portofolio - - - - - - - -
Ritel
9 Tagihan kepada Korporasi - 1.436.743 724.470 324.000 - - - 150.000
Tagihan yang Telah Jatuh
10 - - - - - - - -
Tempo
11 Aset Lainnya - - - - - - - -
Total - 1.687.273 724.470 324.000 10.000 - - 150.000
PT Bank Ina Perdana Tbk
188 Laporan Tahunan 2023
Page 191
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih
Net Receivables
Peringkat Jangka Pendek
Short Term Rating
Kurang
A-1 A-2 A-3 dari A-3
A-1 A-2 A-3 Lower
than A-3
Kurang
F1+ s.d.
F2 F3 dari F3
F1
F2 F3 Lower
F1+ to F1
than F3
Kurang
P-1 P-2 P-3 dari P-3
P-1 P-2 P-3 Lower Portfolio Category
than P-3
Kurang Tanpa Peringkat
Total
F1+(idn) dari No Rating
s.d. F1(idn) F2(idn) F2(idn) F3(idn)
F1+(idn) to F2(idn) F2(idn) Lower
F1(idn) than
F3(idn)
Kurang
[idr]A1+ [idr]A2+ [idr]A3+ dari [Idr]
s.d. [Idr]A1 s.d. [Idr]A2 s.d. [Idr]A3 A3
[idr]A1+ to [idr]A2+ to [idr]A3+ to Lower
[Idr]A1 [Idr]A2 [Idr]A3 than [Idr]
A3
idA3 s.d. Kurang
idA1 idA2 id A4 dari idA4
idA1 idA2 idA3 to id Lower
A4 than idA4
(11) (12) (13) (14) (15) (16) (2)
- - - - 1.224.775 1.224.775 Receivables on Sovereigns
Receivables on Public Sector
- - - - - -
Entities
Receivables on Multilateral
- - - - - - Development Banks and
International Institutions
- - - - - 260.531 Receivables on Banks
Loans Secured by Residential
- - - - - -
Property
Loans Secured by Commercial
- - - - - -
Real Estate
- - - - - - Employee/Retired Loans
Receivables on Micro, Small
- - - - - -
Business, and Retail Portfolio
- - - - - 2.635.212 Receivables on Corporate
- - - - - - Past Due Receivables
- - - - 1.224.775 4.120.518 Other Assets
- - - - - - Total
PT Bank Ina Perdana Tbk
2023 Annual Report 189
Page 192
Tinjauan Pendukung Bisnis
Business Support Overview
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih
Net Receivables
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
AA+ s.d. BBB+ s.d. BB+ s.d. Kurang
A+ s.d. B+ s.d.
Standart and AAA AA- BBB- BB- dari B-
A- B-
Pour’s AAA AA+ to BBB+ to BB+ to Lower
A+ to A- B+ to B-
AA- BBB- BB- than B-
AA+ s.d. BBB+ s.d. BB+ s.d. Kurang
A+ s.d. B+ s.d.
AAA AA- BBB- BB- dari B-
Fitch Rating A- B-
AAA AA+ to BBB+ to BB+ to Lower
A+ to A- B+ to B-
AA- BBB- BB- than B-
Kurang
Aa1 s.d. Aa1 s.d. Baa1 s.d. Ba1 s.d. B1 s.d.
dari B3
Aaa Aa3 A3 Baa3 Ba3 B3
Moody’s Lower
No. Kategori Portofolio Aaa Aa1 to Aa1 to Baa1 to Ba1 to B1 to
than
Aa3 A3 Baa3 Ba3 B3
B3
AA+(idn) A+(idn) BBB+(idn) BB+(idn) B+(idn) Kurang
s.d. AA- s.d. s.d. BBB- s.d. BB- s.d. dari
PT Fitch Ratings AAA(idn) (idn) A-(idn) (idn) (idn) B-(idn) B-(idn)
Indonesia AAA(idn) AA+(idn) A+(idn) BBB+(idn) BB+(idn) B+(idn) Lower
to AA- to to BBB- to BB- to than
(idn) A-(idn) (idn) (idn) B-(idn) B-(idn)
[idr]AA+ [idr]BBB+ [idr]BB+ [idr]B+ Kurang
[idr]A+
s.d. [idr] s.d. [idr] s.d. [idr] s.d. [idr] dari [idr]
s.d. [idr]
[Idr]AAA AA- BBB- BB- B- B-
PT ICRA Indonesia A-
[Idr]AAA [idr]AA+ [idr]BBB+ [idr]BB+ [idr]B+ Lower
[idr]A+
to [idr] to [idr] to [idr] to [idr] than
to [idr]A-
AA- BBB- BB- B- [idr]B-
id BBB+ id BB+ Kurang
idAA+ id B+
idA+ s.d. s.d. id s.d. id dari d
s.d. s.d. id
PT Pemeringkat idAAA idA- BBB- BB- B-
idAA- B-
Efek Indonesia idAAA idA+ s.d id BBB+ id BB+ Lower
idAA+ id B+ to
idA- to id to id than d
to idAA- id B-
BBB- BB- B-
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada Pemerintah - - - - - - - -
2 Tagihan kepada Sektor Publik - - - - - - - -
Tagihan kepada Bank
3 Pembangunan Multilateral dan - - - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - 221.292 5.114 - - -
Kredit Beragunan Rumah
5 - - - - - - - -
Tinggal
Kredit Beragun Properti
6 - - - - - - - -
Komersial
7 Kredit Pegawai/Pensiunan - - - - - - - -
Tagihan kepada Usaha Mikro,
8 - - - - - - - -
Usaha Kecil, dan Portofolio Ritel
9 Tagihan kepada Korporasi - - 480.833 - - - -
2.219.450
Tagihan yang Telah Jatuh
10 - - - - - - - -
Tempo
11 Aset Lainnya - - - - - - - -
Total 2.219.450 - 702.125 5.114 - - -
PT Bank Ina Perdana Tbk
190 Laporan Tahunan 2023
Page 193
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih
Net Receivables
Peringkat Jangka Pendek
Short Term Rating
Kurang
A-1 A-2 A-3 dari A-3
A-1 A-2 A-3 Lower
than A-3
Kurang
F1+ s.d.
F2 F3 dari F3
F1
F2 F3 Lower
F1+ to F1
than F3
Kurang
P-1 P-2 P-3 dari P-3
P-1 P-2 P-3 Lower Portfolio Category
than P-3
Tanpa Peringkat
Kurang Total
No Rating
F1+(idn) dari
s.d. F1(idn) F2(idn) F2(idn) F3(idn)
F1+(idn) F2(idn) F2(idn) Lower
to F1(idn) than
F3(idn)
Kurang
[idr]A1+ [idr]A2+ [idr]A3+ dari [Idr]
s.d. [Idr]A1 s.d. [Idr]A2 s.d. [Idr]A3 A3
[idr]A1+ [idr]A2+ [idr]A3+ Lower
to [Idr]A1 to [Idr]A2 to [Idr]A3 than [Idr]
A3
Kurang
idA3 s.d.
dari idA4
idA1 idA2 id A4
Lower
idA1 idA2 idA3 to
than
id A4
idA4
(11) (12) (13) (14) (15) (16) (2)
- - - - 5.293.561 5.293.561 Receivables on Sovereigns
Receivables on Public Sector
- - - - - -
Entities
Receivables on Multilateral
- - - - - - Development Banks and
International Institutions
- - - - 250.436 476.842 Receivables on Banks
Loans Secured by Residential
- - - - 140.290 140.290
Property
Loans Secured by Commercial
- - - - - -
Real Estate
- - - - - - Employee/Retired Loans
Receivables on Micro, Small
- - - - 286.710 286.710
Business, and Retail Portfolio
- - - - 9.383.315 12.083.598 Receivables on Corporate
- - - - - - Past Due Receivables
- - - - 552.914 552.914 Other Assets
- - - - 15.907.226 18.833.915 Total
PT Bank Ina Perdana Tbk
2023 Annual Report 191
Page 194
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 3.1
Pengungkapan Tagihan Bersih berdasarkan Bobot Risiko setelah memperhitungkan Dampak Mitigasi Risiko Kredit -
Bank secara Individual
Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigation - Bank Only Individual
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih setelah Mempertimbangkan Dampak Mitigasi Risiko Kredit
No. Ketegori Portofolio
Net Receivables after Considering the Impact of Credit Risk Mitigation
0% 10% 15% 20% 25% 30% 35% 40%
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
A Eksposur Neraca
1 Tagihan kepada Pemerintah 4.275.254 - - - - - - -
2 Tagihan kepada Sektor Publik - - - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - 2.013.986 - - - 10.123
5 Tagihan Berupa covered Bond - - - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 - - - - - - - 721.550
Keuangan Lainnya
7 Kredit Beraguna Rumah Tinggal - - - 15.872 9.980 96.528 - -
8 Kredit Beragun Properti Komersial - - - - - - - -
9 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - - - - - - -
10 Kredit Pegawai/Pensiunan - - - - - - - -
11 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - - - -
12 Tagihan kepada Korporasi - - - 2.176.697 - -
13 Tagihan yang Telah Jatuh Tempo - - - - - - - -
14 Aset Lainnya 71.563 - - - - - - -
Total Eksposur Neraca 4.275.254 - - 4.206.555 9.980 96.528 - 731.673
B Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif
1 Tagihan kepada Pemerintah - - - - - - - -
2 Tagihan kepada Sektor Publik - - - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - - - - - -
5 Tagihan Berupa covered Bond - - - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 - - - - - - - 231.872
Keuangan Lainnya
7 Kredit Beraguna Rumah Tinggal - - - 58 - - - -
8 Kredit Beragun Properti Komersial - - - - - - - -
9 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - -
10 Kredit Pegawai/Pensiunan - - - - - - - -
11 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - - - -
12 Tagihan kepada Korporasi - - - - - - - -
13 Tagihan yang Telah Jatuh Tempo - - - - - - - -
14 Aset Lainnya - - - - - - - -
Total Eksposur TRA - - - 58 - - - 231.872
C. Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
1 Tagihan kepada Pemerintah 2.400.152 - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
5 - -
Keuangan Lainnya
6 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - -
7 Tagihan kepada Korporasi - - - - - -
8 Aset Lainnya - - - - - -
Total Eksposur Counterparty Credit Risk 2.400.152 - - - - - - -
PT Bank Ina Perdana Tbk
192 Laporan Tahunan 2023
Page 195
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan
Position at Reporting Date
Tagihan Bersih setelah Mempertimbangkan Dampak Beban
Mitigasi Risiko Kredit ATMR Modal
Portfolio Category
Net Receivables after Considering the Impact of Credit RWA Capital
Risk Mitigation Charge
Lainnya
45% 50% 75% 100% 150%
Others
(11) (12) (13) (14) (15) (16) (17) (18) (2)
Balance Sheet Exposures
- - - - - - - - Receivables on Sovereigns
- - - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - - - -
International Institutions
- - - - - - 406.846 32.548 Receivables on Banks
- - - - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- - - - - - 288.620 23.090
Services Institutions
- - - - - - 34.628 2.770 Loans Secured by Residential Property
- - - - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
- - - - - - - -
Construction
- - - - - - - - Employee/Retired Loans
- - 328.613 - - - 246.460 19.717 Receivables on Micro, Small Business & Retail Portfolio
- 334.245 - 10.934.333 127.767 - 11.728.445 938.276 Receivables on Corporate
- 68.905 - 77.619 67.020 - 212.602 17.008 Past Due Receivables
- - - 342.664 - - 414.227 33.138 Other Assets
- 403.150 328.613 11.011.952 194.787 - 12.917.601 1.033.408 Total Balance Sheet Exposure
Off Balance Sheet Commitment/Contigency Receivables Exposures
- - - - - - - - Receivables on Sovereigns
- - - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - - - -
International Institutions
- - - - - - - - Receivables on Banks
- - - - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- - - - - - 92.749 7.420
Services Institutions
- - - - - - 12 1 Loans Secured by Residential Property
- - - - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
- -
Construction
- - - - - - - - Employee/Retired Loans
- - 17.160 - - - 12.870 1.030 Receivables on Micro, Small Business & Retail Portfolio
- - - 674.651 - - 674.651 53.972 Receivables on Corporate
- 535 - - - - 268 21 Past Due Receivables
- - - - - - - - Other Assets
- 535 17.160 674.651 - - 780.549 62.444 Total TRA Exposure
Counterparty Credit Risk Exposure
- - - - - - - - Receivables on Sovereigns
- - - - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - - - -
International Institutions
- - - - - - - - Receivables on Banks
Billing to Securities Companies and Other Financial
Services Institutions
- - - - - - - Receivables on Micro, Small Business & Retail Portfolio
- - - - - - - - Due Receivables
- - - - - - - - Other Assets
- - - - - - - - Total Eksposur Counterparty Credit Risk
PT Bank Ina Perdana Tbk
2023 Annual Report 193
Page 196
Tinjauan Pendukung Bisnis
Business Support Overview
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih setelah Mempertimbangkan Dampak
No. Ketegori Portofolio Mitigasi Risiko Kredit
Net Receivables after Considering the Impact of Credit Risk Mitigation
0% 20% 35% 40% 45% 50%
(1) (2) (3) (4) (5) (6) (7) (10)
A Eksposur Neraca
1 Tagihan kepada Pemerintah 5.293.561 - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - 448.493 - - - 28.349
5 Tagihan Berupa covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 - - - - - -
Keuangan Lainnya
7 Kredit Beraguna Rumah Tinggal - 20.701 117.308 2.281 - -
8 Kredit Beragun Properti Komersial - - - - - -
9 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - - - - -
10 Kredit Pegawai/Pensiunan - - - - - -
11 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - -
12 Tagihan kepada Korporasi - 2.219.450 - 480.833
13 Tagihan yang Telah Jatuh Tempo - - - - - -
14 Aset Lainnya - - - - - -
Total Eksposur Neraca 5.293.561 2.688.644 117.308 2.281 - 509.182
B Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif
1 Tagihan kepada Pemerintah - - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
5 Tagihan Berupa covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
6 - - - - - -
Keuangan Lainnya
7 Kredit Beraguna Rumah Tinggal - - - - - 288
8 Kredit Beragun Properti Komersial - - - - - -
9 Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - - - - -
10 Kredit Pegawai/Pensiunan - - - - - -
11 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - -
12 Tagihan kepada Korporasi - - - - - -
13 Tagihan yang Telah Jatuh Tempo - - - - - -
14 Aset Lainnya - - - - - -
Total Eksposur TRA - - - - - 288
C. Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
1 Tagihan kepada Pemerintah - 1.826.992 - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - - - -
Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
5 -
Keuangan Lainnya
6 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - - - - -
7 Tagihan kepada Korporasi - - - - - -
8 Aset Lainnya - - - - - -
Total Eksposur Counterparty Credit Risk - 1.826.992 - - - -
PT Bank Ina Perdana Tbk
194 Laporan Tahunan 2023
Page 197
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Tagihan Bersih setelah Mempertimbangkan
Beban Modal
Dampak Mitigasi Risiko Kredit ATMR
Capital Portfolio Category
Net Receivables after Considering the Impact of RWA
Charge
Credit Risk Mitigation
Lainnya
75% 100% 150%
Others
(11) (12) (13) (14) (15) (16) (2)
Balance Sheet Exposures
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - -
International Institutions
- - - - 103.873 8.310 Receivables on Banks
- - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- - - - - -
Services Institutions
- - - - 46.110 3.689 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
- - - - - -
Construction
- - - - - - Employee/Retired Loans
286.710 - - - 215.033 17.203 Receivables on Micro, Small Business & Retail Portfolio
- 9.383.315 - - 10.067.622 805.410 Receivables on Corporate
- - - 552.914 - - Past Due Receivables
- - - - - - Other Assets
286.710 9.383.315 - 552.914 10.432.638 834.611 Total Balance Sheet Exposure
Off Balance Sheet Commitment/Contigency Receivables Exposures
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - -
International Institutions
- - - - - - Receivables on Banks
- - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other Financial
- - - - - -
Services Institutions
- - - - 58 5 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing, and
- - - - - -
Construction
- - - - - - Employee/Retired Loans
14.238 - - - 10.678 854 Receivables on Micro, Small Business & Retail Portfolio
- 971.211 - - 971.211 77.697 Receivables on Corporate
- - - - - - Past Due Receivables
- - - - - - Other Assets
14.238 971.211 - - 981.947 78.556 Total TRA Exposure
Counterparty Credit Risk Exposure
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks and
- - - - - -
International Institutions
- - - - - - Receivables on Banks
Billing to Securities Companies and Other Financial
Services Institutions
- - - - - - Receivables on Corporate
- - - - - - Past Due Receivables
- - - - - - Other Assets
- - - - - - Total Eksposur Counterparty Credit Risk
PT Bank Ina Perdana Tbk
2023 Annual Report 195
Page 198
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 3.2
Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Disclosure of Net Receivables and Credit Risk Mitigation Technic - Bank Only Individual
Posisi Tanggal Laporan
Position at Reporting Date
Bagian yang Dijamin dengan
Portion Secured with Bagian
No. Ketegori Portofolio Tagihan
yang Tidak
Bersih Asuransi Dijamin
Net Agunan Garansi Kredit Lainnya Unsecured
Receivables Collateral Collateral Loan Other Portion
Insurance
(1) (2) (3) (4) (5) (6) (7) (8)
A Eksposur Neraca
1 Tagihan kepada Pemerintah 4.275.254 - - - - 4.275.254
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral
3 - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank 2.024.109 - - - - 2.024.109
5 Tagihan Berupa covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga
6 721.550 3.000 - - - 718.550
Jasa Keuangan Lainnya
7 Kredit Beraguna Rumah Tinggal 122.380 - - - - 122.380
8 Kredit Beragun Properti Komersial - - - - - -
Kredit Pengadaan Tanah, Pengolahan Tanah, dan
9 - - - - - -
Konstruksi
10 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
11 328.613 56.721 - - - 271.892
Portofolio Ritel
12 Tagihan kepada Korporasi 13.777.117 204.075 - - - 13.573.042
13 Tagihan yang Telah Jatuh Tempo 213.544 - - - - 213.544
14 Aset Lainnya 395.661 - - - - 52.997
Total Eksposur Neraca 21.858.228 263.796 - - - 21.251.768
B Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif
1 Tagihan kepada Pemerintah - - - - - -
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral
3 - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
Tagihan kepada Perusahaan Efek dan Lembaga
5 231.872 - - - - 231.872
Jasa Keuangan Lainnya
6 Kredit Beragun Rumah Tinggal 58 - - - - 58
7 Kredit Beragun Properti Komersial - - - - - -
Kredit Pengadaan Tanah, Pengolahan Tanah, dan
8 - - - - - -
Konstruksi
9 Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
10 17.160 - - - - 17.160
Portofolio Ritel
11 Tagihan kepada Korporasi 674.651 674.651 - - - -
12 Tagihan yang Telah Jatuh Tempo 5.355 - - - - 282
13 Aset Lainnya - - - - - -
Total Eksposur TRA 929.095 674.651 - - - 249.371
C. Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
1 Tagihan kepada Pemerintah 2.400.152 - - - - 2.400.152
2 Tagihan kepada Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan Multilateral
3 - - - - - -
dan Lembaga Internasional
4 Tagihan kepada Bank - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil, dan
8 - - - - - -
Portofolio Ritel
9 Tagihan kepada Korporasi - - - - - -
11 Aset Lainnya - - - - - -
Total Eksposur Counterparty Credit Risk 2.400.152 - - - - 2.400.152
PT Bank Ina Perdana Tbk
196 Laporan Tahunan 2023
Page 199
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Bagian yang Dijamin dengan
Portion Secured with Bagian
Tagihan Portfolio Category
yang Tidak
Bersih Asuransi Dijamin
Net Agunan Garansi Kredit Lainnya Unsecured
Receivables Collateral Guarantee Loan Other Portion
Insurance
(9) (10) (11) (12) (13) (14)
Balance Sheet Exposures
5.293.561 - - - - 5.293.561 Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks
- - - - - -
and International Institutions
476.842 - - - - 476.842 Receivables on Banks
- - - - - - Billing in the Form of Covered Bonds
Billing to Securities Companies and Other
- - - - - -
Financial Services Institutions
140.290 - - - - 140.290 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing,
and Construction
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business & Retail
286.710 7.957 - - - 286.710
Portfolio
12.083.598 582.533 - - - 11.501.065 Receivables on Corporate
- - - - - - Past Due Receivables
552.914 - - - - 552.914 Other Assets
18.833.915 590.490 - - - 18.251.382 Total Balance Sheet Exposure
Commitment/Contigency Receivables Exposure/Off Balance Sheet
- - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks
- - - - - -
and International Institutions
- - - - - - Receivables on Banks
Billing to Securities Companies and Other
Financial Services Institutions
288 - - - - 288 Loans Secured by Residential Property
- - - - - - Loans Secured by Commercial Real Estate
Credit for Land Acquisition, Land Processing,
and Construction
- - - - - - Employee/Retired Loans
Receivables on Micro, Small Business,
14.238 - - - - 14.238
and Retail Portfolio
971.211 971.211 - - - - Receivables on Corporate
- - - - - - Past Due Receivables
- - - - - - Other Assets
249.371 985.736 971.211 - - - Total TRA Exposure
Counterparty Credit Risk
1.826.992 - - - - - Receivables on Sovereigns
- - - - - - Receivables on Public Sector Entities
Receivables on Multilateral Development Banks
- - - - - -
and International Institutions
- - - - - - Receivables on Banks
Receivables on Micro, Small
- - - - - -
Business, and Retail Portfolio
- - - - - - Receivables on Corporate
- - - - - - Other Assets
1.826.992 - - - - Total Exposure Counterparty Credit Risk
PT Bank Ina Perdana Tbk
2023 Annual Report 197
Page 200
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 4.1
Pengungkapan Eksposur Aset di Neraca
Disclosure of Asset Exposures on the Balance Sheet
Posisi Tanggal Laporan
Position at Reporting Date
No. Kategori Portofolio ATMR sebelum ATMR setelah
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA After CRM
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah 4.275.254 - -
2 Tagihan kepada Entitas Sektor Publik - - -
Tagihan kepada Bank Pembangunan Multilateral dan Lembaga
3 - - -
Internasional
4 Tagihan kepada Bank 2.024.109 406.846 406.846
5 Tagihan Berupa Covered Bond - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan
6 721.550 288.620 287.420
Lainnya
Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan
7 - - -
Instrumen Modal Lainnya
8 Kredit Beragun Rumah Tinggal 122.380 34.628 34.628
9 Kredit Beragun Properti Komersial - - -
10 Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi - - -
11 Kerdit kepada Pegawai/Pensiunan - - -
12 Kredit kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 328.613 246.460 213.970
13 Tagihan kepada Korporasi 13.777.117 11.932.520 11.728.445
14 Tagihan yang Telah Jatuh Tempo 213.544 212.602 212.602
15 Aset Lainnya 395.661 - 342.664
Total 21.858.228 13.121.676 13.226.575
Tabel 4.2
Pengungkapan Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif
Disclosure of Commitment/Contingent Liability Exposures in Off Balance Sheet
Posisi Tanggal Laporan
Position at Reporting Date
No Kategori Portofolio ATMR sebelum ATMR setelah
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA After CRM
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah - - -
2 Tagihan kepada Entitas Sektor Publik - - -
Tagihan kepada Bank Pembangunan Multilateral dan Lembaga
3 - - -
Internasional
4 Tagihan kepada Bank - - -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan
5 231.872 92.749 92.749
Lainnya
6 Kredit Beragun Rumah Tinggal 58 12 12
7 Kredit Beragun Properti Komersial - - -
8 Kredit kepada Pegawai/Pensiunan - - -
9 Kredit kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - -
10 Tagihan kepada Korporasi 17.160 12.870 12.870
11 Tagihan yang Telah Jatuh Tempo 674.651 674.651 -
12 Aset Lainnya 536 268 268
Total 924.276 780.549 105.898
PT Bank Ina Perdana Tbk
198 Laporan Tahunan 2023
Page 201
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
ATMR sebelum ATMR setelah Portfolio Category
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA After CRM
(3) (4) (5) (2)
5.293.561 - - Receivables on Sovereigns
- - - Receivables on Public Sector Entities
- - - Receivables on Multilateral Development Banks and International Institutions
476.842 103.873 103.873 Receivables on Banks
- - - Billing in the Form of Covered Bonds
- - - Billing to Securities Companies and Other Financial Services Institutions
Receivables on Multilateral Development Banks
- - -
and International Institutions
140.290 34.266 34.266 Loans Secured by Residential Property
- - - Loans Secured by Commercial Real Estate
- - - Credit for Land Acquisition, Land Processing, and Construction
- - - Employee/Retired Loans
286.710 215.033 209.065 Receivables on Micro, Small Business, and Retail Portfolio
12.083.598 - - Receivables on Corporate
- 10.067.622 9.485.089 Past Due Receivables
552.914 - - Other Assets
18.833.915 10.420.793 9.832.292 Total
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
ATMR sebelum ATMR setelah Portfolio Category
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA After CRM
(3) (4) (5) (2)
- - - Receivables on Sovereigns
- - - Receivables on Public Sector Entities
- - - Receivables on Multilateral Development Banks and International Institutions
- - - Receivables on Banks
- - - Billing to Securities Companies and Other Financial Services Institutions
288 58 58 Loans Secured by Residential Property
- - - Loans Secured by Commercial Real Estate
- - - Employee/Retired Loans
14.238 10.678 10.678 Receivables on Micro, Small Business, and RetailPortfolio
971.211 971.211 - Receivables on Corporate
- - - Past Due Receivables
- - - Other Assets
985.736 981.947 10.736 Total
PT Bank Ina Perdana Tbk
2023 Annual Report 199
Page 202
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 4.3
Pengungkapan Eksposur yang Menimbulkan Risiko Kredit Akibat Kegagalan Pihak Lawan
Disclosure of Exposures that Give Risk to Total Exposure Counterparty Credit Risk
Posisi Tanggal Laporan
Position at Reporting Date
No Kategori Portofolio ATMR sebelum ATMR setelah
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA after CRM
(1) (2) (3) (4) (5)
1 Tagihan kepada Pemerintah 2.400.152 - -
2 Tagihan kepada Entitas Sektor Publik - - -
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga - - -
Internasional
4 Tagihan kepada Bank - - -
5 Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan - - -
Lainnya
5 Kredit kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - -
6 Tagihan kepada Korporasi - - -
Total 2.400.152 - -
Tabel 4.4
Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (Settlement Risk)
Disclosure of Exposures for Settlement Risk
Posisi Tanggal Laporan
Position at Reporting Date
No. Kategori Portofolio ATMR sebelum ATMR setelah
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA after CRM
(1) (2) (3) (4) (5)
1 Delivery Versus Payment - - -
a. Beban Modal 8% (5 -15 hari) - - -
b. Beban Modal 50% (16 - 30 hari) - - -
c. Beban Modal 75% (31 - 45 hari) - - -
d. Beban Modal 100% (lebih dari 45 hari) - - -
2 Non Delivery Versus Payment - - -
Total - - -
Tabel 4.5
Pengungkapan Eksposur Sekuritisasi
Disclosure of Security Exposures
Posisi Tanggal Laporan
Position at Reporting Date
No. Jenis Transaksi
Nilai Eksposur Faktor Pengurang Modal ATMR
Exposure Value Capital Deduction Factor RWA
(1) (2) (3) (4)
1 Fasilitas Kredit Pendukung yang Memenuhi Persyaratan - - -
2 Fasilitas Kredit Pendukung yang Tidak Memenuhi Persyaratan - - -
3 Fasilitas Likuiditas yang Memenuhi Persyaratan - - -
4 Fasilitas Likuiditas yang Tidak Memenuhi Persyaratan - - -
5 Pembelian Efek Beragun Aset yang Memenuhi Persyaratan - - -
6 Pembelian Efek Beragun Aset yang Tidak Memenuhi Persyaratan - - -
Eksposur Sekuritas yang Tidak Tercakup dalam Ketentuan Bank
7 Indonesia Mengenai Prinsip Kehati-Hatian dalam Aktivitas Sekuritisasi - - -
Aset bagi Bank Umum
Total - - -
PT Bank Ina Perdana Tbk
200 Laporan Tahunan 2023
Page 203
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
ATMR sebelum ATMR setelah Portfolio Category
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA After CRM
(3) (4) (5) (2)
1.826.992 - - Receivables on Sovereigns
- - - Receivables on Public Sector Entities
- - - Receivables on Multilateral Development Banks
and International Institutions
- - - Receivables on Banks
Billing to Securities Companies and Other Financial Services Institutions
- - - Loans Secured by Residential Property
- - - Loans Secured by Commercial Real Estate
1.826.992 - - Total
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
ATMR sebelum ATMR setelah Portfolio Category
Tagihan Bersih
MRK MRK
Net Receivables
RWA before CRM RWA after CRM
(3) (4) (5) (2)
- - - Delivery Versus Payment
- - - Capital Expense 8% (5 -15 days)
- - - Capital Expense 50% (16 -30 days)
- - - Capital Expense 75% (31 -45 days)
- - - Capital Expense 100% (more than 45 days)
- - - Non Delivery Versus Payment
- - - Total
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Type of Transaction
Nilai Eksposur Faktor Pengurang Modal ATMR
Exposure Value Capital Deduction Factor RWA
(3) (4) (2)
- - - Eligible Credit Facilities
- - - Credit Facilities which do not Meet the Requirements
- - - Liquidity Facilities that Meet the Requirements
- - - Liquidity Facilities that do not Meet the Requirements
- - - Purchase of Asset-Backed Securities that Meet the Requirements
- - - Purchase of Asset-Backed Securities that do Not Meet the Requirements
Securitisation Exposures that are not Covered by the Provisions of
- - -
Bank Indonesia
- - - Total
PT Bank Ina Perdana Tbk
2023 Annual Report 201
Page 204
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 4.6
Pengungkapan Eksposur di Unit Usaha Syariah
Disclosure of Security Exposures
Bank tidak menjalankan usaha syariah.
The bank does not run a sharia business.
Tabel 4.7
Pengungkapan Total Pengukuran Risiko Kredit
Disclosure of Total Credit Risk Measurements
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal
Posisi Tanggal Laporan Tahun
Laporan Sebelumnya
Position at Position at
Reporting Date Reporting Date of
the Previous Year
CREDIT RISK RISK WEIGHTED ASSETS
PERHITUNGAN ATMR RISIKO KREDIT 13.332.473 10.316.480
CALCULATION
FAKTOR PENGURANG ATMR RISIKO KREDIT: CREDIT RISK RWA DEDUCTION FACTORS:
The excess difference between the general
Selisih lebih antara cadangan umum PPA atas
- - reserve of PPA for productive assets
aset produktif yang wajib dihitung dan 1,25%
that must be calculated and
ATMR untuk Risiko Kredit 1.25% Credit Risk RWA
TOTAL ATMR RISIKO KREDIT 13.332.473 10.316.480 TOTAL RWA FOR CREDIT RISK
TOTAL FAKTOR PENGURANG MODAL - - TOTAL CAPITAL DEDUCTION FACTOR
Tabel 5
Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Disclosure of Market Risk Using Standardized Method
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Posisi Tanggal Laporan
Position at Reporting Date of the Previous
Position at Reporting Date
Year
Konsolidasian*) Konsolidasian*)
Bank Bank
No. Jenis Risiko Consolidated*) Consolidated*) Type of Risk
Beban Beban Beban Beban
Modal ATMR Modal ATMR Modal ATMR Modal ATMR
Capital RWA Capital RWA Capital RWA Capital RWA
Charge Charge Charge Charge
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
Risiko Suku Interest Rate
1 1.712 21.402 - - - - - -
Bunga Risk
a. Risiko Spesifik - - - - - - - - a. Specific Risk
b. Risiko Umum - - - - - - - - b. General Risk
Risiko Nilai Foreign
2 801 10.018 - - 132 1.654 - -
Tukar Exchange Risk
3 Risiko Ekuitas - - - - - - - - Equity Risk
4 Risiko Komoditas - - - - - - - - Commodity Risk
5 Risiko Option - - - - - - - - Option Risk
Total 2.514 31.420 - - 132 1.654 - - Total
*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud.
For banks that have subsidiaries that have defined risk exposure.
PT Bank Ina Perdana Tbk
202 Laporan Tahunan 2023
Page 205
Tabel 6
Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Quantitative Disclosure of Operational Risk - Bank Only
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun
Posisi Tanggal Laporan Sebelumnya
Position at Reporting Date Position at Reporting Date of
Previous Year
Pendapatan Pendapatan
Bruto Bruto
Pendekatan yang (Rata-rata (Rata-rata
No. Indicator Approach
Digunakan 3 tahun Beban 3 tahun Beban
terakhir) Modal ATMR terakhir) Modal ATMR
Average Capital RWA Average Capital RWA
Gross Charge Gross Charge
Income in Income in
the past 3 the past 3
years years
(1) (2) (3) (4) (5) (6) (7) (8) (2)
Pendekatan Indikator
1 63.195,65 63.195,65 789.945,56 211.857 31.779 397.232 Basic Indicator Approach
Dasar
Total 63.195,65 63.195,65 789.945,56 211.857 31.779 397.232 Total
Tabel 7
Pengungkapan Kuantitatif Risiko Operasional - Bank secara Konsolidasi dengan Perusahaan Anak
Quantitative Disclosure of Operational Risk - Bank Consolidated with Subsidiaries
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun
Posisi Tanggal Laporan Sebelumnya
Position at Reporting Date Position at Reporting Date of
Previous Year
Pendapatan Pendapatan
Bruto Bruto
Pendekatan yang (Rata-rata (Rata-rata
No. Indicator Approach
Digunakan 3 tahun Beban 3 tahun Beban
terakhir) Modal ATMR terakhir) Modal ATMR
Average Capital RWA Average Capital RWA
Gross Charge Gross Charge
Income in Income in
the Past 3 the Past 3
Years Years
(1) (2) (3) (4) (5) (6) (7) (8) (2)
Pendekatan Indikator
1 63.195,65 63.195,65 789.945,56 211.857 31.779 397.232 Basic Indicator Approach
Dasar
Total 63.195,65 63.195,65 789.945,56 211.857 31.779 397.232 Total
PT Bank Ina Perdana Tbk
2023 Annual Report 203
Page 206
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 8.1
Pengungkapan Profil Maturitas Rupiah - Bank secara Individu
Quantitative Disclosure of Operational Risk - Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Jatuh Tempo*)
Maturity *)
No. Pos - Pos
Saldo >1 Bulan s.d. >3 Bulan s.d. >6 Bulan s.d.
Balance ≤ 1 Bulan 3 Bulan 6 Bulan 12 Bulan >12 Bulan
≤ 1 Month >1 Month to >3 Month to >6 Month to >12 Month
3 Month 6 Month 12 Month
(1) (2) (3) (4) (5) (6) (7) (8)
I. NERACA
A. Aset
1. Kas 66.968 66.968 - - - -
2. Penempatan pada Bank
2.734.839 2.734.839 - - - -
Indonesia
3. Penempatan pada bank lain 1.708.900 1.708.900 - - - -
4. Surat Berharga 3.927.617 5.022 246.133 182.081 570.598 2.923.782
5. Kredit yang Diberikan 12.642.550 2.398.989 1.447.881 750.097 1.622.142 6.423.441
6. Tagihan lainnya 2.547.351 2.262.146 20.753 10.395 101 253.955
7. Lain-lain - - - - - -
Total Aset 23.628.225 9.176.866 1.714.767 942.573 2.192.842 9.601.178
B. Kewajiban
1. Dana Pihak Ketiga 18.629.393 16.892.460 1.298.529 305.953 127.812 4.638
2. Kewajiban kepada Bank
- - - - - -
Indonesia
3. Kewajiban kepada Bank Lain 21.211 21.211 - - - -
4. Surat Berharga yang
- - - - - -
Diterbitkan
5. Pinjaman yang Diterima - - - - - -
6. Kewajiban Lainnya 238.876 238.876 - - - -
7. Lain-lain - - - - - -
Total Kewajiban 18.889.479 17.152.547 1.298.529 305.953 127.812 4.638
Selisih Aset dengan Kewajiban
4.738.746 (7.975.681) 416.237 636.620 2.065.030 9.596.540
dalam Neraca
II. REKENING ADMINISTRATIF
A. Tagihan Rekening
Administratif
1. Komitmen - - - - - -
2. Kontijensi - - - - - -
Total Tagihan Rekening
- - - - - -
Administratif
B. Kewajiban Rekening
Administratif
1.Komitmen 2.058.187 946.570 397.800 322.963 311.741 79.113
2.Kontijensi - - - - - -
Total Kewajiban Rekening
2.058.187 946.570 397.800 322.963 311.741 79.113
Administratif
Selisih Tagihan dan Kewajiban
(2.058.187) (946.570) (397.800) (322.963) (311.741) (79.113)
dalam Rekening Administratif
Selisih [(IA-IB)+(IIA-IIB)] 2.680.559 (8.922.251) 18.437 313.657 1.753.288 9.517.427
Selisih Kumulatif (8.922.251) (8.903.814) (8.590.157) (6.836.868) 2.680.559
PT Bank Ina Perdana Tbk
204 Laporan Tahunan 2023
Page 207
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Jatuh Tempo*)
Maturity *)
Accounts
Saldo >1 Bulan s.d. >3 Bulan s.d. >6 Bulan s.d.
Balance ≤ 1 Bulan 3 Bulan 6 Bulan 12 Bulan >12 Bulan
≤ 1 Month >1 Month to >3 Month to >6 Month to >12 Month
3 Month 6 Month 12 Month
(9) (10) (11) (12) (13) (14)
BALANCE SHEET
Assets
94.917 94.917 - - - - Cash
3.574.999 3.574.999 - - - - Placement at Bank Indonesia
110.345 110.345 - - - - Placement at Other Bank
3.961.992 - 16.215 6.526 520.691 3.418.561 Marketable Securities
- - - - - - Loans
- - - - - - Other Receivables
- - - - - - Others
7.742.253 3.780.261 16.215 6.526 520.691 3.418.561 Total Assets
Liabilities
15.072.595 13.414.756 1.343.324 199.573 114.942 - Third Party Fund
- - - - - - Liabilities with Bank Indonesia
560.000 560.000 - - - - Liabilities with Other Bank
- - - - - - Securities Issued
- - - - - - Borriwings
317.718 317.718 - - - - Other Liabilities
- - - - - - Others
15.950.313 14.292.474 1.343.324 199.573 114.942 - Total Liabilities
On Balance Sheet Asset and
(8.208.060) (10.512.213) (1.327.109) (193.047) 405.749 3.418.561
Liabilities Differences
OFF BALANCE SHEET
Off Balance Sheet Receivables
- - - - - - Commitment
- - - - - - Contingency
Total Off Balance Sheet
- - - - - -
Receivables
Off Balance Sheet Liabilities
20.225 20.225 - - - - Commitment
- - - - - - Contingency
20.225 20.225 - - - - Total Off Balance Sheet Liabilities
Off Balance Sheet Asset and
(20.225) (20.225) - - - -
Liabilities Differences
(8.228.285) (10.532.438) (1.327.109) (193.047) 405.749 3.418.561 Differences [(IA-IB)+(IIA-IIB)]
(10.532.438) (11.859.548) (12.052.595) (11.646.845) (8.228.285) Cummulative Differences
PT Bank Ina Perdana Tbk
2023 Annual Report 205
Page 208
Tinjauan Pendukung Bisnis
Business Support Overview
Tabel 8.2
Pengungkapan Profil Maturitas Valuta Asing - Bank secara Individu
Disclosure of Foreign Exchange Maturity Profile Bank Only
Posisi Tanggal Laporan
Position at Reporting Date
Jatuh Tempo*)
Maturity *)
No. Pos - Pos > 1 Bulan > 3 Bulan
Saldo > 6 Bulan
s.d. s.d.
Balance s.d.
≤ 1 Bulan 3 Bulan 6 Bulan > 12 Bulan
12 Bulan
≤ 1 Month > 1 Month > 3 Month > 1 Month
> 6 Month to
to 3 to 6
12 Month
Month Month
(1) (2) (3) (4) (5) (6) (7) (8)
I. NERACA
A. Aset
1. Kas 4.594 4.594 - - - -
2. Penempatan pada Bank
508.327 508.327 - - - -
Indonesia
3. Penempatan pada Bank Lain - - - - - -
4. Surat Berharga 90.591 - - - - 90.591
5. Kredit yang Diberikan 682.490 654.108 14.949 4.277 9.156 -
6. Tagihan Lainnya 7.675 7.675 - - - -
7. Lain-lain - - - - - -
Total Aset 1.293.677 1.174.704 14.949 4.277 9.156 90.591
B. Kewajiban
1. Dana Pihak Ketiga 682.490 654.108 14.949 4.277 9.156 -
2. Kewajiban kepada Bank
- - - - - -
Indonesia
3. Kewajiban kepada Bank Lain - - - - - -
4. Surat Berharga yang
- - - - - -
Diterbitkan
5. Pinjaman yang Diterima - - - - - -
6. Kewajiban Lainnya 927 867 30 9 20 -
7. Lain-lain - - - - - -
Total Kewajiban 683.417 654.975 14.979 4.287 9.177 -
Selisih Aset dengan Kewajiban
610.260 519.729 (30) (9) (20) 90.591
dalam Neraca
II. REKENING ADMINISTRATIF
A. Tagihan Rekening
Administratif
1. Komitmen - - - - - -
2. Kontijensi - - - - - -
Total Tagihan Rekening
- - - - - -
Administratif
B. Kewajiban Rekening
Administratif
1. Komitmen 36.385 36.385 - - - -
2. Kontijensi - - - - - -
Total Kewajiban Rekening
36.385 36.385 - - - -
Administratif
Selisih Tagihan dan Kewajiban
(36.385) (36.385) - - - -
dalam Rekening Administratif
Selisih [(IA-IB)+(IIA-IIB)] 573.875 483.344 (30) (9) (20) 90.591
Selisih Kumulatif 483.344 483.314 483.304 483.284 573.875
PT Bank Ina Perdana Tbk
206 Laporan Tahunan 2023
Page 209
(dalam jutaan Rupiah / in million Rupiah)
Posisi Tanggal Laporan Tahun Sebelumnya
Position at Reporting Date of the Previous Year
Jatuh Tempo*)
Maturity *)
Accounts
Saldo > 1 Bulan > 3 Bulan > 6 Bulan
Balance s.d. s.d. s.d.
≤ 1 Bulan > 12 Bulan
3 Bulan 6 Bulan 12 Bulan
≤ 1 Month > 12 Month
> 1 Month to > 3 Month to > 6 Month to
3 Month 6 Month 12 Month
(9) (10) (11) (12) (13) (14)
BALANCE SHEET
Assets
4.210 4.210 - - - - Cash
576.136 576.136 - - - - Placement at Bank Indonesia
116.841 116.841 - - - - Placement at Other Bank
78.621 - - - - 78.621 Marketable Securities
52.472 - - 36.904 15.568 - Loans
- - - - - - Other Receivables
- - - - - - Others
828.280 697.187 - 36.904 15.568 78.621 Total Assets
Liabilities
405.652 355.064 48.878 932 778 Third Party Fund
- - - - - - Liabilities with Bank Indonesia
- - - - - - Liabilities with Other Bank
- - - - - - Securities Issued
- - - - - - Borriwings
- - - - - - Other Liabilities
- - - - - - Others
405.652 355.064 48.878 932 778 - Total Liabilities
On Balance Sheet Asset and
422.628 342.123 (48.878) 35.972 14.790 78.621
Liabilities Differences
OFF BALANCE SHEET
Off Balance Sheet Receivables
279.768 41.359 52.610 185.799 - - Commitment
1.304 - - 1.304 - - Contingency
281.072 41.359 52.610 187.103 - - Total Off Balance Sheet Receivables
Off Balance Sheet Liabilities
137.549 18.344 26.305 92.899 - - Commitment
- Contingency
137.549 18.344 26.305 92.899 - - Total Off Balance Sheet Liabilities
Off Balance Sheet Asset and
143.523 23.015 26.305 94.203 - -
Liabilities Differences
566.151 365.138 (22.573) 130.175 14.790 78.621 Differences [(IA-IB)+(IIA-IIB)]
365.138 342.564 472.739 487.530 566.151 Cummulative Differences
PT Bank Ina Perdana Tbk
2023 Annual Report 207
Page 210
Tata Kelola
Perusahaan
Corporate
Governance
06
PT Bank Ina Perdana Tbk
208 Laporan Tahunan 2023
Page 211
PT Bank Ina Perdana Tbk
2023 Annual Report 209
Page 212
Tata Kelola Perusahaan
Corporate Governance
Komitmen dan Tujuan Penerapan
Good Corporate Governance (GCG)
Commitment to and Purpose of Good Corporate Governance (GCG)
Implementation
Bank memandang bahwa penerapan GCG bukan sekedar memenuhi The Bank views that the implementation of GCG is not just about
peraturan yang berlaku, lebih dari itu, penerapan GCG sebagai acuan complying with the prevailing regulations, more than that, the
untuk memelihara dan menyempurnakan tata organisasi perusahaan implementation of GCG is a reference to maintain and improve the
yang diselaraskan dengan peningkatan penerapan nilai-nilai dan etika company’s organizational system that is aligned with the improvement
bisnis. Maka dari itu, Bank Ina secara konsisten menjaga komitmen of the application of business values and ethics. Therefore, Bank Ina
untuk menerapkan GCG yang komprehensif dan berkelanjutan. consistently maintains a commitment to implementing
Bank Ina juga memastikan penerapan GCG selaras dengan tujuan dari Bank Ina also ensures that GCG implementation is in line with the
penerapan GCG yang telah ditetapkan oleh Manajemen Bank, yaitu: objectives of GCG implementation set by the Bank’s Management,
namely:
1. Meningkatkan corporate value agar memiliki daya saing yang 1. Improving corporate values in order to have strong
kuat, baik di tingkat nasional maupun regional; competitiveness, at national and regional levels;
2. Mendorong setiap karyawan untuk selalu menekankan budaya 2. Encouraging every employee to always emphasize the GCG
GCG dalam setiap pengambilan keputusan yang dilandasi nilai culture in every decision making based on the prevailing values
dan norma yang berlaku serta tingkat kepatuhan yang tinggi and norms and the high level of compliance with the applicable
terhadap peraturan perundang-undangan yang berlaku; laws and regulations;
3. Meningkatkan kinerja Bank melalui program-program efisiensi 3. Improving the Bank’s performance through corporate efficiency
perusahaan yang tercipta dari implementasi budaya GCG pada programs that are created from the implementation of GCG
seluruh kegiatan operasional Bank; serta culture in all of the Bank’s operational activities; and
4. Meningkatkan kepercayaan investor dan menempatkan Bank 4. Increasing investor trust and placing the Bank as the main choice
sebagai pilihan utama tempat berinvestasi. for investment.
PT Bank Ina Perdana Tbk
210 Laporan Tahunan 2023
Page 213
Dasar Penerapan GCG
Basis of GCG Implementation
Dasar penerapan GCG Bank berpedoman pada peraturan sebagai The basis of the Bank’s GCG implementation is guided by the
berikut: following regulations:
1. Undang-Undang Republik Indonesia No. 40 Tahun 2007 1. Law of the Republic of Indonesia No. 40 of 2007 on Limited
tentang Perseroan Terbatas; Liability Companies;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 2. Financial Services Authority Regulation No. 18/POJK.03/2014
tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi on Implementation of Integrated Governance for Financial
Keuangan; Conglomeration;
3. Peraturan Otoritas Jasa Keuangan No. 33/POJK.04/2014 3. Financial Services Authority Regulation No. 33/POJK.04/2014
tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan on Board of Directors and Board of Commissioners of Issuers
Publik; or Public Companies;
4. Peraturan Otoritas Jasa Keuangan No. 34/POJK.04/2014 4. Financial Services Authority Regulation No. 34/POJK.04/2014
tentang Komite Nominasi dan Remunerasi Emiten atau on Nomination and Remuneration Committee of Issuers or
Perusahaan Publik; Public Companies;
5. Peraturan Otoritas Jasa Keuangan No. 21/POJK.04/2015 5. Financial Services Authority Regulation No. 21/POJK.04/2015
tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka; on Implementation of Public Company Governance
Guidelines;
6. Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2015 dan 6. Financial Services Authority Regulation No. 45/POJK.03/2015
Surat Edaran Otoritas Jasa Keuangan No. 40/SEOJK.03/2016 and Financial Services Authority Circular No. 40/SEOJK.03/2016
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi on Implementation of Governance in Providing Remuneration
Bagi Bank Umum; for Commercial Banks;
7. Peraturan Otoritas Jasa Keuangan No. 55/POJK.04/2015 7. Financial Services Authority Regulation No. 55/POJK.04/2015
tentang Pembentukan dan Pedoman Pelaksanaan Kerja on Establishment of and Work Guidelines for Audit
Komite Audit; Committee;
8. Peraturan Otoritas Jasa Keuangan No. 56/POJK.04/2015 8. Financial Services Authority Regulation No. 56/POJK.04/2015
tentang Pembentukan dan Pedoman Penyusunan Piagam on Formation and Guidelines for Preparation of Internal Audit
Unit Audit Internal; Unit Charter;
9. Peraturan Otoritas Jasa Keuangan No. 4/POJK/03/2016 9. Financial Services Authority Regulation No. 4/POJK/03/2016
tentang Penilaian Tingkat Kesehatan Bank Umum; on Soundness Rating of Commercial Banks;
10. Peraturan Otoritas Jasa Keuangan No. 05/POJK.03/2016 dan 10. Financial Services Authority Regulation No. 05/POJK.03/2016
Surat Edaran Otoritas Jasa Keuangan No. 12/SEOJK.03/2021 and Financial Services Authority Circular No. 12/SEOJK.03/2021
tentang Rencana Bisnis Bank Umum; on Business Plans for Commercial Banks;
11. Peraturan Otoritas Jasa Keuangan No. 09/POJK.03/2016 11. Financial Services Authority Regulation No. 09/POJK.03/2016
tentang Prinsip Kehati-hatian Bank Umum yang Melakukan on Prudential Principles of Commercial Banks that Outsource
Penyerahan sebagian Pelaksanaan Kerja kepada Pihak Lain; Partial Work to Other Parties;
12. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 dan 12. Financial Services Authority Regulation No. 18/POJK.03/2016
Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 and Financial Services Authority Circular No. 34/SEOJK.03/2016
tentang Penerapan Manajemen Risiko bagi Bank Umum; on Implementation of Risk Management for Commercial
Banks;
13. Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 13. Financial Services Authority Regulation No. 27/POJK.03/2016
tentang Penilaian Kemampuan dan Kepatutan bagi Pihak on Fit and Proper Test for Main Parties of Financial Services
Utama Lembaga Jasa Keuangan; Institutions;
14. Peraturan Otoritas Jasa Keuangan No. 34/POJK.03/2016 14. Financial Services Authority Regulation No. 34/POJK.03/2016
tentang Perubahan Peraturan Otoritas Jasa Keuangan No. on Amendments to Financial Services Authority Regulation No.
11/POJK.03/2016 tentang Kewajiban Penyediaan Modal 11/POJK.03/2016 on Capital Adequacy Ratio for Commercial
Minimum bagi Bank Umum; Banks;
15. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang 15. Financial Service Authority Regulation No. 17 of 2023 on
Penerapan Tata Kelola bagi Bank Umum dan Surat Edaran Implementation of Governance for Commercial Banks and
Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang Financial Services Authority Circular No. 13/SEOJK.03/2017
Penerapan Tata Kelola bagi Bank Umum; on Implementation of Governance for Commercial Banks;
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Tata Kelola Perusahaan
Corporate Governance
16. Peraturan Otoritas Jasa Keuangan No. 56/POJK.03/2016 16. Financial Services Authority Regulation No. 56/POJK.03/2016
tentang Kepemilikan Saham Bank Umum; on Share Ownership of Commercial Banks;
17. Peraturan Otoritas Jasa Keuangan No. 1/POJK.03/2019 17. Financial Services Authority Regulation No. 1/POJK.03/2019
tentang Penerapan Fungsi Audit Intern Bank Umum; on Implementation of Internal Audit Function for Commercial
Banks;
18. Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 18. Financial Services Authority Regulation No. 37/POJK.03/2019
tentang Transparansi dan Publikasi Laporan Bank; on Transparency and Publication of Bank Reports;
19. Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2022 19. Financial Services Authority Regulation No. 11/POJK.03/2022
tentang Penyelenggaraan Teknologi Informasi oleh Bank on Implementation of Information Technology by Commercial
Umum; Banks;
20. Peraturan Otoritas Jasa Keuangan Republik Indonesia 20. Financial Services Authority Regulation No. 12/POJK.03/2021
No. 12/POJK.03/2021 tentang Bank Umum; on Commercial Banks;
21. Surat Edaran Otoritas Jasa Keuangan No. 32/SEOJK.04/2015 21. Financial Services Authority Circular No. 32/SEOJK.04/2015
tentang Pedoman Tata Kelola Perusahaan Terbuka; on Guidelines for Public Company Governance Guidelines;
22. Surat Edaran Otoritas Jasa Keuangan No. 39/SEOJK.03/2016 22. Financial Services Authority Circular No. 39/SEOJK.03/2016
tentang Penilaian Kemampuan dan Kepatuhan bagi Calon on Capability and Compliance Assessment for Prospective
Pemegang Saham Pengendali, Calon Anggota Direksi, dan Controlling Shareholders, Prospective Board of Directors’
Calon Anggota Komisaris Bank; Members, and Prospective Board of Commissioners’ Members
of Banks;
23. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 23. Financial Services Authority Circular No. 14/SEOJK.03/2017
tentang Penilaian Tingkat Kesehatan Bank Umum; on Assessment of Soundness Level of Commercial Banks;
24. Surat Edaran Otoritas Jasa Keuangan No. 21/SEOJK.03/2017 24. Financial Services Authority Circular No. 21/SEOJK.03/2017
tentang Penerapan Manajemen Risiko dalam Penggunaan on Implementation of Risk Management in the Use of
Teknologi Informasi oleh Bank Umum; Information Technology by Commercial Banks;
25. Surat Edaran Otoritas Jasa Keuangan No. 35/SEOJK.03/2017 25. Financial Services Authority Circular No. 35/SEOJK.03/2017
tentang Pedoman Standar Sistem Pengendalian Intern Bagi on Standard Guidelines of Internal Control System for
Bank Umum; Commercial Banks;
26. Surat Edaran Otoritas Jasa Keuangan No. 9/SEOJK.03/2020 26. Financial Services Authority Circular No. 9/SEOJK.03/2020 on
tentang Transparansi dan Publikasi Laporan Bank Umum Transparency and Publication of Conventional Commercial
Konvensional; Bank Reports;
27. Undang-Undang Republik Indonesia No. 10 Tahun 1998 27. Law of the Republic of Indonesia No. 10 of 1998 on
tentang Perubahan atas Undang-Undang No. 7 Tahun 1992 Amendments to Law No. 7 of 1992 on Banking;
tentang Perbankan;
28. Peraturan Otoritas Jasa Keuangan No. 35/POJK.04/2014 28. Financial Services Authority Regulation No. 35/POJK.04/2014
tentang Sekretaris Perusahaan Emiten atau Perusahaan on Corporate Secretary of Issuers or Public Companies;
Publik;
29. Peraturan Otoritas Jasa Keuangan No. 8/POJK.04/2015 29. Financial Services Authority Regulation No. 8/POJK.04/2015
tentang Situs Web Emiten atau Perusahaan Publik; on Website of Issuers or Public Companies;
30. Peraturan Otoritas Jasa Keuangan No. 31/POJK.04/2015 30. Financial Services Authority Regulation No. 31/POJK.04/2015
tentang Keterbukaan atas Informasi atau Fakta Material oleh on Disclosure of Information or Material Facts by Issuers or
Emiten atau Perusahaan Publik; Public Companies;
31. Peraturan Otoritas Jasa Keuangan No. 13/POJK.03/2017 31. Financial Services Authority Regulation No. 13/POJK.03/2017
tentang Penggunaan Jasa Akuntan Publik dan Kantor on the Use of Public Accountant and Public Accounting Firm
Akuntan Publik dalam Kegiatan Jasa Keuangan; in Financial Services Activities;
32. Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2017 32. Financial Services Authority Regulation No. 46/POJK.03/2017
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum; on Implementation of Compliance Functions for Commercial
Banks;
33. Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 33. Financial Services Authority Regulation No. 37/POJK.03/2019
tentang Transparansi dan Publikasi Laporan Bank; on Transparency and Publication of Bank Reports;
34. Peraturan Otoritas Jasa Keuangan No. 38/POJK.03/2019 34. Financial Services Authority Regulation No. 38/POJK.03/2019
tentang Perubahan atas Peraturan Otoritas Jasa Keuangan on Amendments to Financial Services Authority Regulation
No. 32/POJK.03/2018 tentang Batas Maksimum Pemberian No. 32/POJK.03/2018 on Legal Lending Limit and Provision of
Kredit dan Penyediaan Dana Besar bagi BankUmum; dan Large Exposure for Commercial Bank; and
35. Undang Undang No. 4 Tahun 2023 tentang Pengembangan 35. Law no. 4 of 2023 of Development and Strengthening of the
dan Penguatan Sektor Keuangan Financial Sector.
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Penerapan Prinsip GCG
Implementation of GCG Principles
Bank senantiasa menerapkan prinsip-prinsip GCG sesuai dengan The Bank continues to implement the GCG principles in
peraturan dan kebijakan yang berlaku. Di tahun 2023, Bank Ina telah accordance with applicable regulations and policies. In 2023, Bank
menyesuaikan penerapan prinsip GCG dengan pedoman terbaru Ina adapted the application of the GCG principle with the latest
yang diterbitkan oleh Komite Nasional Kebijakan Governansi, yaitu guidelines published by the National Committee of Governance
Pedoman Umum Governansi Korporat Indonesia (PUGKI) 2021, Policy, namely the General Guidelines of the Indonesian Corporate
dengan pengembangan prinsip-prinsip GCG sebagai berikut. Governance (PUGKI) 2021, with the development of the GCG
principles as follows.
Perilaku Beretika
Ethical Behavior
Bank senantiasa mengedepankan kejujuran, memperlakukan semua The Bank always prioritizes honesty, treats all parties with respect,
pihak dengan hormat (respect), memenuhi komitmen, membangun fulfills commitments, builds and maintains moral values and trust
serta menjaga nilai-nilai moral dan kepercayaan secara konsisten. consistently. The Bank also pays attention to the interests of
Bank juga memperhatikan kepentingan Pemegang Saham dan Shareholders and other stakeholders based on the principles of
pemangku kepentingan lainnya berdasarkan asas kewajaran dan fairness and equality (fairness) and is managed independently so
kesetaraan (fairness) dan dikelola secara independen sehingga that each organ of the Bank does not dominate each other and
masing-masing organ Bank tidak saling mendominasi dan tidak cannot be intervened by other parties.
dapat diintervensi oleh pihak lainnya.
Akuntabilitas
Accountability
Bank dapat mempertanggungjawabkan kinerjanya secara The Bank is accountable for its performance in a transparent and
transparan dan wajar. Untuk itu, Bank harus dikelola dengan fair manner. To that end, the Bank must be managed properly,
benar, terukur, dan sesuai dengan kepentingan korporat dengan measurably, and in accordance with corporate interests while
tetap mempertimbangkan kepentingan Pemegang Saham dan taking into account the interests of Shareholders and stakeholders.
pemangku kepentingan. Akuntabilitas merupakan prasyarat yang Accountability is a necessary prerequisite for achieving sustainable
diperlukan untuk mencapai kinerja yang berkelanjutan. performance.
Transparansi
Transparency
Untuk menjaga objektivitas dalam menjalankan bisnis, Bank To maintain objectivity in conducting business, the Bank provides
menyediakan informasi yang material dan relevan dengan cara material and relevant information in a manner that is easily accessible
yang mudah diakses dan dipahami oleh pemangku kepentingan. and understood by stakeholders. The Bank takes the initiative to
Bank mengambil inisiatif untuk mengungkapkan tidak hanya disclose not only matters required by laws and regulations, but also
masalah yang diisyaratkan oleh peraturan perundang-undangan, matters that are important for decision making by Shareholders,
tetapi juga hal yang penting untuk pengambilan keputusan oleh creditors, and other stakeholders.
Pemegang Saham, kreditur, dan pemangku kepentingan lainnya.
Keberlanjutan
Sustainability
Bank mematuhi peraturan perundang-undangan dan berkomitmen The Bank complies with legislation and is committed to carrying out
melaksanakan tanggung jawab terhadap masyarakat dan its responsibilities towards society and the environment, in order to
lingkungan, agar berkontribusi pada pembangunan berkelanjutan contribute to sustainable development through cooperation with all
melalui kerja sama dengan semua pemangku kepentingan terkait relevant stakeholders to improve life in line with business interests
untuk meningkatkan kehidupan yang selaras dengan kepentingan and the sustainable development agenda.
bisnis dan agenda pembangunan berkelanjutan.
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Tata Kelola Perusahaan
Corporate Governance
Peningkatan Kualitas Penerapan GCG
Improvement of GCG Implementation Quality
Peningkatan penerapan GCG Bank dilakukan untuk Improvement of the Bank’s GCG implementation is carried out
menyempurnakan pelaksanaan organisasi perusahaan, menjaga to perfect the implementation of the company’s organization,
keberlangsungan proses bisnis, serta menjaga nilai dan manfaat maintain the sustainability of business processes, and maintain
kepada Pemegang Saham. Proses peningkatan ini dilakukan value and benefits to Shareholders. This improvement process
secara berkala pada setiap aspek dan organ GCG yang mengacu is carried out periodically in every aspect and organ of GCG
pada Pedoman Penerapan Tata Kelola No. COM/001/01/0319 which refers to the Governance Implementation Guidelines
tanggal 29 Maret 2019 yang merupakan penyempurnaan No. COM/001/01/0319 dated March 29, 2019 which is an
dari pedoman sebelumnya, yaitu Pedoman Pelaksanaan GCG improvement from the previous guidelines, namely GCG
No. COM/001/01/1215 tanggal 1 Desember 2015. Implementation Guidelines No. COM/001/01/1215 dated
December 1, 2015.
Penilaian Penerapan GCG
Assessment of GCG Implementation
Penilaian penerapan GCG dilaksanakan oleh Bank untuk Assessment of GCG implementation is carried out by the Bank
mengetahui sejauh mana kualitas penerapan yang telah dilakukan to determine the extent to which the quality of implementation
oleh Bank, serta mengetahui kekurangan atau kelemahan- has been carried out by the Bank, as well as to determine the
kelemahan yang harus diperbaiki, baik dari sisi aspek kerja shortcomings or weaknesses that must be corrected, both in terms
ataupun pelaksanaan tanggung jawab masing-masing organ of work aspects and the implementation of the responsibilities
pelaksana. Prosedur penilaian GCG Bank Ina dilakukan melalui of each implementing organ. The GCG assessment procedure
penilaian sendiri (self-assessment) yang melibatkan Dewan of Bank Ina is carried out through self-assessment involving the
Komisaris, Direksi, Pejabat Eksekutif, serta seluruh divisi Bank. Board of Commissioners, Board of Directors, Executive Officers,
and all divisions of the Bank.
Dasar Penilaian Penerapan GCG Basis for Assessment of GCG Implementation
Dalam proses penilaian penerapan GCG, Bank Ina mematuhi In the process of assessing the implementation of GCG, Bank
Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tentang Ina complies with Financial Services Authority Regulation
Penerapan Tata Kelola bagi Bank Umum dan Surat Edaran Otoritas No. 17 of 2023 concerning the Implementation of Governance
Jasa Keuangan No. 13/SEOJK.03/2017 tentang Penerapan for Commercial Banks and Financial Services Authority Circular
Tata Kelola bagi Bank Umum. Berdasarkan peraturan tersebut, Letter No. 13/SEOJK.03/2017 concerning the Implementation of
penilaian GCG dilakukan paling kurang sebanyak 2 kali dalam Governance for Commercial Banks. Based on these regulations,
1 tahun buku. GCG assessment is carried out at least 2 times in 1 fiscal year.
Kriteria Penilaian Penerapan GCG Criteria for Assessment of GCG
Implementation
Kriteria yang digunakan dalam penilaian GCG berpedoman pada The criteria used in GCG assessment are guided by applicable
prinsip-prinsip GCG yang berlaku dan dikelompokkan dalam GCG principles and are grouped into a governance system, which
suatu governance system, yang terdiri dari 3 aspek governance, consists of 3 aspects of governance, namely governance structure,
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yaitu governance structure, governance process, dan governance governance process, and governance outcome. Based on the
outcome. Berdasarkan aspek tersebut, terdapat 11 faktor aspects, there are 11 assessment factors, which consist of:
penilaian, yang terdiri dari:
1. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 1. Implementation of Board of Commissioners’ duties and
responsibilities;
2. Pelaksanaan tugas dan tanggung jawab Direksi; 2. Implementation of Board of Directors’ duties and responsibilities;
3. Kelengkapan dan pelaksanaan tugas Komite; 3. Completeness and implementation of Committee’s duties;
4. Penanganan benturan kepentingan; 4. Handling conflict of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance function;
6. Penerapan fungsi audit internal; 6. Implementation of internal audit function;
7. Penerapan fungsi audit eksternal; 7. Implementation of external audit function;
8. Penerapan manajemen risiko, termasuk sistem pengendalian 8. Implementation of risk management, including internal control
internal; system;
9. Penyediaan dana kepada pihak terkait (related party) dan 9. Provision of funds to related party and provision of large
penyediaan dana besar (large exposure); exposure;
10. Transparansi kondisi keuangan dan non-keuangan Bank, 10. Transparency of the Bank’s financial and non-financial
laporan pelaksanaan tata kelola, dan pelaporan internal; serta conditions, reports on governance implementation, and
internal reporting; and
11. Rencana strategis Bank. 11. The Bank’s strategic plan.
Pihak Pelaksana Penilaian Penerapan GCG Assessor of GCG Implementation
Pihak yang bertanggung jawab dalam penilaian penerapan GCG The party responsible for assessing Ina Bank’s GCG implementation
Bank Ina adalah Departemen Kepatuhan dan APU-PPT dengan is the Compliance Department and AML/CFT by involving all
melibatkan seluruh divisi/departemen/unit kerja terkait. relevant divisions/departments/work units.
Hasil Penilaian Sendiri Penerapan GCG GCG Implementation Self-Assessment Results
Indikator Peringkat Definisi Peringkat
Indicator Rating Rating Definition
Individual 2 Mencerminkan manajemen Bank telah melakukan penerapan tata kelola yang secara umum baik. Hal
ini tercermin dari pemenuhan yang memadai atas prinsip tata kelola. Dalam hal terdapat kelemahan
penerapan prinsip tata kelola, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan
dengan tindakan normal oleh manajemen Bank.
Reflecting that the Bank’s management has implemented generally good governance. This is reflected
in the adequate fulfillment of the governance principles. In the event that there are weaknesses in the
implementation of governance principles, in general these weaknesses are less significant and can be
resolved by normal actions by the Bank’s management.
Berdasarkan hasil penilaian sendiri, Bank Ina memperoleh Based on the results of the self-assessment, Bank Ina obtained
Peringkat 2 atau “Baik”, dengan pertimbangan bahwa a Rating 2 or “Good”, with the consideration that the
penerapan prinsip-prinsip tata kelola secara umum telah implementation of governance principles has generally been
dilaksanakan dengan baik, sebagaimana diuraikan sebagai implemented well, as described below.
berikut.
1. Pengurus Bank Ina 1. Management of Bank Ina
Ketentuan otoritas yang mengatur tentang persyaratan Authority’s provisions governing the requirements for the
jumlah, komposisi, kriteria dan independensi, integritas, number, composition, criteria, independence, integrity,
kompetensi, dan reputasi Dewan Komisaris maupun Direksi competence, and reputation of the Board of Commissioners
dapat dipenuhi oleh Bank. and the Board of Directors can be fulfilled by the Bank.
Susunan pengurus berdasarkan Rapat Umum Pemegang The composition of the management based on the Bank’s
Saham (RUPS) Tahunan Bank pada tanggal 16 Juni 2023 Annual General Meeting of Shareholders (GMS) on June 16,
sebagai berikut. 2023 is as follows.
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Tata Kelola Perusahaan
Corporate Governance
Dewan Komisaris
Board of Commissioners
Nama Jabatan Efektif Setelah Lulus Fit & Proper Test
Name Position Effective After Passing Fit & Proper Test
Komisaris Utama/Komisaris Independen 6 September 2021
Inawaty Handojo
President Commissioner/ Independent Commissioner September 6, 2021
Komisaris Independen 6 September 2021
Yohanes Santoso Wibowo
Independent Commissioner September 6, 2021
Komisaris 6 September 2021
Josavia Rachman Ichwan
Commissioner September 6, 2021
Direksi
Board of Directors
Nama Jabatan Efektif Setelah Lulus Fit & Proper Test
Name Position Effective After Passing Fit & Proper Test
Direktur Utama 9 Agustus 2023
Henry Koenaifi
President Director August 9, 2023
Wakil Direktur Utama 9 Agustus 2023
Yulius Purnama Junaedi
Vice President Director August 9, 2023
Direktur Keuangan 27 November 2013
Kiung Hui Ngo
Director of Finance November 27, 2013
Direktur Manajemen Risiko dan Kepatuhan 14 September 2021
Adhiputra Tanoyo
Director of Risk Management and Compliance September 14, 2021
Direktur Bisnis Retail 23 Agustus 2023
Yandy Ramadhani
Director of Retail Bussiness August 23, 2023
a. Dewan Komisaris a. Board of Commissioners
1) Semua anggota Dewan Komisaris memiliki integritas 1) All members of the Board of Commissioners have
paling kurang mencakup: memiliki akhlak dan moral integrity which at least includes: having good
yang baik; memiliki komitmen untuk mematuhi character and morals; having a commitment to
peraturan perundang-undangan yang berlaku; complying with applicable laws and regulations;
memiliki komitmen terhadap pengembangan having a commitment to the development of sound
operasional bank yang sehat; dan tidak termasuk bank operations; and not included in the list of failing
dalam daftar tidak lulus uji kemampuan dan the fit and proper test.
kepatutan (fit and proper test).
2) Semua anggota Dewan Komisaris memiliki reputasi 2) All members of the Board of Commissioners have a
keuangan paling kurang mencakup: tidak memiliki financial reputation that includes at least: not having
kredit macet; dan tidak pernah dinyatakan pailit atau bad credit; and never been declared bankrupt or a
menjadi anggota Dewan Komisaris yang dinyatakan member of the Board of Commissioners found guilty
bersalah menyebabkan suatu bank dinyatakan pailit of causing a bank to be declared bankrupt based on
berdasarkan ketetapan pengadilan dalam waktu 5 a court decision within the last 5 years before being
tahun terakhir sebelum dicalonkan. nominated.
3) Jumlah anggota Dewan Komisaris sebanyak 3 orang 3) The total number of members of the Board of
dipimpin oleh Komisaris Utama dan semua anggota Commissioners is 3 people led by the President
Dewan Komisaris berdomisili di Indonesia. Commissioner and all members of the Board of
Commissioners are domiciled in Indonesia.
4) Sebanyak 67% dari jumlah anggota Dewan 4) As much as 67% of the total members of the Board
Komisaris adalah Komisaris Independen. Semua of Commissioners are Independent Commissioners.
anggota Dewan Komisaris tidak memiliki hubungan All members of the Board of Commissioners have
keuangan, kepengurusan, kepemilikan saham, dan/ no financial, management, share ownership, and/
atau hubungan keluarga dengan anggota Dewan or family relationships with other members of the
Komisaris lainnya, Direksi dan/atau Pemegang Saham Board of Commissioners, the Board of Directors,
Pengendali atau hubungan dengan Bank, sehingga and/ or Controlling Shareholders or relationships with
tidak memengaruhi kemampuannya untuk bertindak the Bank, and thus, not affecting their ability to act
independen. Keberadaan Komisaris Independen ini independently. The existence of this Independent
dapat menciptakan check and balance, menghindari Commissioner can create checks and balances, avoid
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benturan kepentingan (conflict of interest) dalam conflicts of interest in carrying out the duties, and
pelaksanaan tugasnya, serta melindungi kepentingan protect the interests of stakeholders.
pemagku kepentingan.
b. Direksi b. Board of Directors
1) Jumlah anggota Direksi sebanyak 5 orang dan 1) The number of members of the Board of Directors is
berdomisili di Indonesia. 5 people and domiciled in Indonesia.
2) Semua anggota Direksi berasal dari pihak 2) All members of the Board of Directors come from
yang independen terhadap Pemegang Saham parties that are independent of the Controlling
Pengendali, yakni tidak memiliki hubungan Shareholders, i.e. they do not have financial,
keuangan, kepengurusan, kepemilikan saham, management, share ownership, and/or family
dan/atau hubungan keluarga dengan anggota relationships with members of the Board of
Dewan Komisaris, anggota Direksi lainnya dan/atau Commissioners, other members of the Board
Pemegang Saham Pengendali atau hubungan dengan of Directors and/or Controlling Shareholders or
Bank, sehingga tidak memengaruhi kemampuannya relationships with the Bank, so as not to affect their
untuk bertindak independen. ability to act independently.
3) Semua anggota Direksi memiliki kompetensi paling 3) All members of the Board of Directors have at least
kurang mencakup: pengetahuan di bidang perbankan the following competencies: adequate knowledge in
yang memadai dan relevan dengan jabatannya; the field of banking and relevant to their position;
pengalaman dan keahlian di bidang perbankan dan/ experience and expertise in the field of banking and/
atau bidang keuangan; serta kemampuan untuk or finance; as well as the ability to carry out strategic
melakukan pengelolaan strategis dalam rangka management in the context of developing a healthy
pengembangan Bank yang sehat. Bank.
4) Anggota Direksi, baik secara sendiri-sendiri maupun 4) Members of the Board of Directors, either individually
secara bersama-sama, tidak memiliki saham melebihi or collectively, do not own shares exceeding 25% of
25% modal disetor pada suatu perusahaan lain. the paid-up capital in another company.
5) Semua anggota Direksi memiliki integritas, 5) All members of the Board of Directors have adequate
kompetensi, dan reputasi keuangan yang memadai. integrity, competence and financial reputation.
2. Permodalan 2. Capital
a. Pencapaian Rentabilitas Memperkuat Permodalan Bank a. Profitability Achievement Strengthens the Bank’s
Capitalization
Dalam RUPS Tahunan yang telah diselenggarakan pada In the Annual GMS held on Friday, June 16, 2023, as Deed
hari Jumat tanggal 16 Juni 2023, sebagaimana Akta No. 176 dated June 16, 2023, among others, resolved:
No. 176 tanggal 16 Juni 2023, di antaranya memutuskan:
Menyetujui dan menetapkan penggunaan laba bersih Approve and determine the use of the Bank’s net profit
Bank untuk tahun buku yang berakhir pada tanggal for the fiscal year ending December 31, 2022, to be used
31 Desember 2022, akan digunakan untuk pengembangan for the Bank’s business development, with details as
usaha Bank, dengan rincian sebagai berikut. follows.
1) Sebesar Rp31.409.485.087,- dibukukan sebagai 1) A total of Rp31,409,485,087 will be recorded as a
pembentukan dana cadangan umum, guna general reserve fund to comply with the provisions of
memenuhi ketentuan Pasal 70 Undang-Undang No. Article 70 of Law No. 40 of 2007 on Limited Liability
40 Tahun 2007 tentang Perseroan Terbatas dan Pasal Companies and Article 21 of the Bank’s Articles of
21 Anggaran Dasar Bank. Association.
2) Sisanya sebesar Rp125.637.940.346,- akan 2) The remaining Rp125,637,940,346 will be recorded
dibukukan sebagai laba ditahan. as retained earnings.
b. Modal Disetor Hasil Penawaran Umum Terbatas (PUT) IV b. Paid-up Capital from Limited Public Offering (PUT) IV
Bank Ina mengajukan persetujuan ke Otoritas Jasa Bank Ina applied for approval to the Financial Services
Keuangan kiranya dana setoran modal (hasil PUT Authority for the capital deposit funds (proceeds from
IV) dapat dibukukan sebagai modal disetor, dan Limited Public Offering IV) to be recorded as paid-up
pengajuan tersebut telah disetujui dan telah dicatat capital, and the application was approved and has been
dalam administrasi pengawasan Otoritas Jasa Keuangan, recorded in the supervisory administration of the Financial
sebagaimana disampaikan ke Bank Ina melalui Surat Services Authority, as submitted to Bank Ina through the
Otoritas Jasa Keuangan No. SR-12/PB.323/2023 tanggal 5 Financial Services Authority Letter No. SR-12/PB.323/2023
Mei 2023 Perihal Permohonan Persetujuan Dana Setoran dated May 5, 2023 Regarding Application for Approval of
Modal dapat Dibukukan sebagai Modal Disetor Bank. Capital Deposit Funds to be Recorded as Paid-up Capital
of the Bank.
PT Bank Ina Perdana Tbk
2023 Annual Report 217
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Tata Kelola Perusahaan
Corporate Governance
3. Penerapan Strategi Anti-Fraud 3. The implementation of Anti-Fraud Strategy
Bank memberikan perhatian serius terhadap penerapan The Bank pays serious attention to the implementation of
Strategi Anti-Fraud dalam mengontrol tingkat kemungkinan Anti-Fraud Strategy in controlling the level of possibility and
dan kesempatan melakukan fraud serta kolusi dan opportunity to commit fraud as well as collusion and abuse of
penyalahgunaan wewenang. Upaya yang telah dilakukan authority. Efforts made by the Bank in preventing fraud, such
dalam mencegah terjadinya fraud: as:
a. Untuk mendorong penerapan budaya anti fraud bagi a. To encourage the implementation of an anti-fraud culture
karyawan, Bank Ina melakukan sosialisasi budaya anti- for employees, Bank Ina conducts regular socialization of
fraud secara rutin, meliputi Kebijakan Kode Etik Bank, anti-fraud culture, including the Bank’s Code of Ethics
sistem pengendalian internal, Kebijakan Whistleblowing, Policy, internal control system, Whistleblowing Policy,
pengenaan sanksi tindak fraud, dan materi lain yang imposition of fraud sanctions, and other materials
dianggap relevan. Hal tersebut juga dilakukan dalam deemed relevant. This is also done in order to increase
rangka meningkatkan kesadaran, kewaspadaan terhadap awareness, vigilance against fraud, and foster Bank Ina’s
fraud, dan menumbuhkan budaya anti-fraud Bank Ina. anti-fraud culture.
Sosialisasi anti fraud dilaksanakan pada tanggal The anti-fraud dissemination was held on August 12, and
12 Agustus dan 19 Agustus 2023 dan diikuti sebanyak August 19, 2023 and was attended by 384 employees. In
384 karyawan. Dalam sosialisasi anti-fraud disampaikan the anti-fraud dissemination, the following points were
hal-hal berikut. conveyed.
1) Perangkat-perangkat dalam rangka mengurangi 1) Tools in order to reduce the potential risk of fraud,
potensi risiko terjadinya fraud, antara lain: among others:
a) Anti-Fraud Awareness a) Anti-Fraud Awareness
Anti-Fraud Awareness adalah upaya untuk Anti-Fraud Awareness is an effort to raise
menumbuhkan kesadaran mengenai pentingnya awareness about the importance of fraud
pencegahan fraud oleh seluruh pihak terkait. prevention by all related parties. Through good
Melalui kepemimpinan yang baik dan didukung leadership and supported by high Anti-Fraud
dengan Anti-Fraud Awareness yang tinggi, Awareness, it is expected that the concern of all
diharapkan tumbuh kepedulian semua unsur di elements in the Bank will grow towards fraud
Bank terhadap pengendalian fraud. Moral dan control. Moral and awareness of the leadership
awareness dari pimpinan terhadap anti-fraud towards anti-fraud must inspire every policy or
harus menjiwai setiap kebijakan atau ketentuan regulation that is set.
yang ditetapkannya.
b) Identifikasi Kerawanan b) Identification of Vulnerability
Identifikasi kerawanan merupakan proses Vulnerability identification is a risk management
manajemen risiko untuk mengidentifikasi, process to identify, analyze, and assess the
menganalisis, dan menilai potensi risiko terjadinya potential risk of fraud. In general, vulnerability
fraud. Secara umum, identifikasi kerawanan identification is intended to identify the risk of
ditujukan untuk mengidentifikasi risiko terjadinya fraud inherent in every activity that has the
fraud yang melekat pada setiap aktivitas potential to harm the Bank. The Bank is required
yang berpotensi merugikan Bank. Bank wajib to identify vulnerabilities in each activity. The
melakukan identifikasi kerawanan pada setiap identification results are documented and
aktivitas. Hasil identifikasi didokumentasikan dan informed to interested parties and are always
diinformasikan kepada pihak berkepentingan updated, especially for activities that are
dan selalu dikinikan, terutama terhadap aktivitas considered high risk for fraud.
yang dinilai berisiko tinggi untuk terjadinya fraud.
c) Prinsip Know Your Employee c) Know Your Employee Principle
Sebagai upaya pencegahan terjadinya fraud, As an effort to prevent fraud, the Know Your
Kebijakan Know Your Employee menjadi upaya Employee Policy is a control effort from the HR
pengendalian dari aspek SDM. Kebijakan Know aspect. The Bank’s Know Your Employee policy
Your Employee yang dimiliki Bank paling kurang includes at least:
mencakup:
• Sistem dan prosedur rekrutmen yang • Effective recruitment systems and procedures.
efektif. Melalui sistem ini diharapkan dapat Through this system, it is expected that
diperoleh gambaran mengenai rekam jejak a complete and accurate picture of the
calon karyawan (pre employee screening) track record of prospective employees (pre
secara lengkap dan akurat. employee screening) can be obtained.
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218 Laporan Tahunan 2023
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• Sistem seleksi yang dilengkapi kualifikasi • A selection system that is equipped with the
yang tepat dengan mempertimbangkan right qualifications by considering risks, and
risiko, serta ditetapkan secara objektif is determined objectively and transparently.
dan transparan. Sistem tersebut harus The system must cover the implementation
menjangkau pelaksanaan promosi maupun of promotions and transfers, including
mutasi, termasuk penempatan pada posisi placement in positions that have a high risk
yang memiliki risiko tinggi terhadap fraud. of fraud.
• Kebijakan Know Your Employee antara lain • The Know Your Employee policy includes
mencakup pengenalan dan pemantauan recognizing and monitoring employees’
karakter, perilaku, dan gaya hidup karyawan. character, behavior and lifestyle.
• Indikator fraud (red flag), yaitu suatu bentuk • Fraud indicator (red flag), which is a form of
sinyal terhadap adanya kemungkinan signal to the possibility of fraud. Red flags
fraud. Red flag bukan menunjukkan sudah do not indicate that fraud has definitely
pasti terjadi tindak fraud, namun hanya occurred, but only a warning signal for
merupakan sinyal peringatan untuk diketahui further information, such as:
lebih lanjut, seperti:
- Terjadinya penyimpangan akuntansi. - Occurrence of accounting irregularities.
- Adanya pelanggaran pengendalian - Existence of internal control violations;
internal.
- Adanya penyimpangan analitikal. - Occurrence of analytical irregularities.
- Adanya perubahan gaya hidup berlebihan. - Existence of excessive lifestyle changes.
- Perilaku yang tidak wajar. - Unreasonable behavior.
d) Whistleblowing d) Whistleblowing
Salah satu bentuk deteksi fraud yang efektif adalah One form of effective fraud detection is to involve all
dengan melibatkan seluruh pemangku kepentingan stakeholders to be involved in detecting the possibility
untuk terlibat dalam melakukan deteksi adanya of fraud. Parties who are aware of potential fraud can
kemungkinan fraud. Pihak-pihak yang mengetahui act as whistleblowers.
terjadinya potensi fraud dapat bertindak sebagai
whistleblower.
b. Penerbitan Ketentuan Internal, antara lain: b. Issuance of Internal Provisions, among others:
1) Standar Operasional Prosedur (SOP) Manajemen 1) Operational Risk Management Standard Operating
Risiko Operasional No. 178 tanggal 30 Oktober Procedure (SOP) No. 178 dated October 30, 2023
2023 sebagai pedoman kepada seluruh pemilik risiko as a guideline for all risk owners (risk taking units)
(risk taking unit) dalam mengelola risiko operasional in managing operational risks in their work units
yang ada pada satuan kerja mereka melalui proses through the process of identifying, measuring,
mengidentifikasi, mengukur, memantau dan monitoring and controlling operational risks and an
mengendalikan risiko operasional serta sistem adequate management information system.
informasi manajemen yang memadai.
2) SOP Penanganan Kebocoran Data No. 175 tanggal 2) SOP for Handling Data Leaks No. 175 dated
20 September 2023 sebagai panduan untuk September 20, 2023 as a guide for handling data
melakukan penanganan pelanggaran/kebocoran breaches/leaks, starting from identifying data leaks
data, mulai dari melakukan identifikasi kebocoran to recovering from data leaks, including preventing
data sampai dengan pemulihan akibat terjadinya them from happening again.
kebocoran data termasuk di dalamnya untuk
pencegahan agar tidak terjadi kembali.
3) SOP Tata Kelola Kas Cabang dan Kas Teller 3) SOP for Branch Cash Management and Cash Teller
No. 024 versi 2.0 Agustus 2023 sebagai pedoman No. 024 version 2.0 August 2023 as a guideline or
atau panduan unit kerja terkait untuk mempermudah guide for related work units to simplify the work
proses kerja sehingga mempercepat layanan process so as to accelerate customer service and
nasabah dan untuk menciptakan proses kerja yang to create a uniform work process in related work
seragam pada unit kerja terkait, guna meminimalkan units, in order to minimize deviations that occur in
penyimpangan yang terjadi pada setiap proses kerja each work process so that operational risks can be
sehingga risiko operasional dapat diminimalkan. minimized.
4) Pedoman dan Kebijakan Fasilitas Pinjaman Pegawai 4) Guidelines and Policy on Employee Loan Facility
No. HC/006/0723 tanggal 15 Oktober 2023 guna No. HC/006/0723 dated October 15, 2023 to help
membantu pemenuhan kebutuhan dasar pegawai fulfill the urgent basic needs of employees have been
yang bersifat mendesak, telah diterbitkan. issued.
PT Bank Ina Perdana Tbk
2023 Annual Report 219
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Tata Kelola Perusahaan
Corporate Governance
c. Pencatatan Loss Event Database (LED) sepanjang c. Recording of Loss Event Database (LED) during the
semester II tahun 2023 sebagaimana Memorandum second semester of 2023 as per Memorandum
No. Memo/RM/005/0223 tanggal 24 Februari 2023 No. Memo/RM/005/0223 dated February 24, 2023
Perihal Implementasi Loss Event Database (LED). Regarding Implementation of Loss Event Database (LED).
d. “Larangan Sharing Password” telah disajikan sebagai d. “Password Sharing Ban” has been presented as the
back ground desktop komputer. computer desktop back ground.
e. Dalam rangka menilai kecukupan dan efektivitas sistem e. In order to assess the adequacy and effectiveness of
pengendalian internal pada proses Management Project the internal control system in the Wealth Management
TI Wealth Management System (WMS), maka SKAl System (WMS) IT Project Management process, SKAl
telah melakukan audit sebagaimana Laporan Hasil Audit has conducted an audit as per the Audit Report
(LHA) Wealth Management System (WMS) Tahun 2023 (LHA) Wealth Management System (WMS) Year 2023
No. MEMO/LHA-WMS/030/1123 tanggal 3 Oktober No. MEMO/LHA-WMS/030/1123 dated October 3, 2023.
2023.
f. Arahan pengurus terkait anti fraud pada rapat kerja Bank f. Management directives related to anti-fraud at Bank
Ina di hari Jumat, tanggal 4 Agustus 2023, bertempat di Ina’s work meeting on Friday, August 4, 2023, at the
Hotel Manhattan Jakarta. Pengurus mengimbau antara lain: Manhattan Hotel Jakarta. The management appealed,
1) Kontrol dan pengendalian internal di cabang perlu among others:
diperkuat. 1) Internal controls and controls at branches need to be
2) Risk awareness dari seluruh tim cabang termasuk strengthened.
Pimpinan Cabang. 2) Risk awareness of the entire branch team including
3) Diperlukan perbaikan operasional dengan the Branch Manager.
meningkatkan pengendalian internal untuk menekan 3) Operational improvements are needed by improving
frekuensi terjadinya fraud. internal controls to reduce the frequency of fraud.
g. Kajian melakukan “Prinsip Pengenalan Calon Nasabah g. The study on conducting “Principles of Prospective
Bank” telah disajikan sebagai background desktop Bank Customer Recognition” has been presented as a
komputer. computer desktop back ground.
h. Sebagai bentuk komitmen dari karyawan untuk bersikap h. As a form of commitment from employees to behave
dan berperilaku yang baik serta bekerja profesional, well and work professionally, every employee of
maka setiap karyawan Bank Ina atas kesadarannya Bank Ina has signed the Employee Pledge, Anti-Fraud
menandatangani Janji Karyawan, Deklarasi Pernyataan Statement Declaration, Integrity Pact Declaration,
Anti-Fraud, Deklarasi Pakta Integritas, Pernyataan Employee Compliance Statement, Employee Code of
Kepatuhan Karyawan, Kode Etik Perilaku Karyawan, Surat Conduct, Conflict of Interest Avoidance Statement, and
Pernyataan Penghindaran Benturan Kepentingan, dan Confidentiality Statement.
Surat Pernyataan Menjaga Kerahasiaan.
i. Pemberian izin cuti kepada karyawan yang telah memiliki i. Granting leave permits to employees who already have
hak cuti sebagaimana diatur dalam ketentuan “Cuti”. leave rights as stipulated in the Leave Terms.
j. Penambahan staf di beberapa unit kerja. j. Additional staff in several work units.
k. Sebagai upaya pencegahan terjadinya fraud, Bank k. As an effort to prevent fraud, Bank Ina implements know
Ina menerapkan kebijakan mengenal pegawai yang your-employee policy, which is an effort to control the
merupakan upaya pengendalian dari aspek SDM. human resources (HR) aspect. The know-your-employee
Kebijakan mengenal pegawai secara efektif dituangkan policy is effectively outlined in the Anti-Fraud Strategy Policy
dalam Kebijakan dan Prosedur Strategi Anti-Fraud and Procedure No. RMG/13/02/0621 dated July 1, 2021,
No. RMG/13/02/0621 tanggal 1 Juli 2021 dan Kebijakan and Manpower Planning Policy, Recruitment Procedures,
Perencanaan Tenaga Kerja, Prosedur Rekrutmen, serta as well as Manpower Planning Guidelines and Policies,
Pedoman dan Kebijakan Perencanaan Tenaga Kerja, Recruitment Procedures, and Employee Acceptance
Prosedur Rekrutmen, dan Penerimaan Karyawan No. HC/001/0423 of May 2023.
No. HC/001/0423 bulan Mei 2023.
Bank Ina melakukan Permintaan Informasi Debitur (iDeb) Bank Ina requests debtor information (iDeb) for
karyawan dan calon karyawan melalui Sistem Layanan employees and prospective employees through the
Informasi Keuangan (SLIK) sebagai upaya deteksi dini financial information service system (SLIK) as an early
untuk mengetahui adanya karyawan yang bermasalah detection effort to find out if there are employees who
dalam pinjaman yang secara langsung/tidak langsung have problems with loans which can directly/indirectly
dapat memengaruhi sikap bekerja. affect work attitudes.
PT Bank Ina Perdana Tbk
220 Laporan Tahunan 2023
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Pelaksanaan mentoring oleh Human Capital kepada Implementation of mentoring by Human Capital for
para atasan dalam proses penilaian kinerja tahunan dan superiors in the annual and mid-year performance
tengah tahun yang diharapkan juga akan meningkatkan appraisal process which is expected to also increase the
know your employee pimpinan terhadap karyawannya. Know Your Employee leadership towards its employees.
l. Peningkatan kesejahteraan karyawan: i. Increased employee welfare in the form of:
1) Pemberian Tunjangan Akhir Tahun (TAT) 1) Provision of Year-End Allowance (TAT) for permanent
bagi karyawan tetap, diberikan pada tanggal employees, given on December 11, 2023 as per
11 Desember 2023 sebagaimana Memorandum Memorandum No. MEMO/DIR/007/1123 dated
No. MEMO/DIR/007/1123 tanggal 6 Desember 2023 December 6, 2023 Regarding Information on
Perihal Informasi Tanggal Pembayaran TAT dan Gaji Payment Date of TAT and Salary for Employees.
Karyawan.
2) Untuk memberikan motivasi dan apresiasi terhadap 2) To provide motivation and appreciation for the
kinerja tahun 2022 kepada seluruh karyawan Bank Ina, performance of 2022 to all employees of Bank
maka manajemen memberikan insentif sebagaimana Ina, the management provides incentives as per
Memorandum No. MEMO/HC/473/0923 tanggal Memorandum No. MEMO/HC/473/0923 dated
22 September 2023 Perihal Pemberian Insentif atas September 22, 2023 Regarding Provision of Incentives
Kinerja Tahun 2022. for 2022 Performance.
3. Direksi telah Memaparkan Rencana Bisnis Bank (RBB)/Revisi 3. The Board of Directors has presented the Bank’s Business Plan
RBB dan Realisasinya (RBB)/Revised RBB and its Realization
a. Pada rapat kerja Bank Ina di hari Jumat, tanggal 4 Agustus a. At Bank Ina’s working meeting on Friday, August 4, 2023,
2023, bertempat di Hotel Manhattan Jakarta. at the Manhattan Hotel Jakarta.
b. Pada rapat kerja Bank Ina di hari Jumat dan Sabtu, tanggal b. At Bank Ina’s working meeting on Friday and Saturday,
27 sampai 28 Januari 2023, bertempat di Hotel Royal January 27 to 28, 2023, at the Royal Malioboro Hotel,
Malioboro, Yogyakarta, dengan Tema “Pursuing Prudent Yogyakarta, with the theme “Pursuing Prudent and
and Effective Growth”. Effective Growth”.
4. Pemenuhan Komitmen atas Audit Otoritas Jasa Keuangan, 4. Fulfillment of commitments on audits of the Financial Services
Eksternal Auditor, Bank Indonesia, dan Satuan Kerja Audit Authority, External Auditors, Bank Indonesia, and the Internal
Internal (SKAI) Audit Work Unit (SKAI).
Sepanjang periode laporan ini, Bank Ina telah menerapkan Throughout the reporting period, Bank Ina has implemented
sistem pengendalian internal dan melakukan monitoring atas an internal control system and monitored its implementation,
pelaksanaannya, namun masih terjadi adanya pengenaan but there was still a fine of Rp50,100,000, - as disclosed in the
denda sebesar Rp50.100.000,- sebagaimana diungkapkan General Audit Report (LHP) Position January 31, 2023.
dalam Laporan Hasil Pemeriksaan (LHP) Umum Posisi
31 Januari 2023.
Sepanjang periode laporan ini, terjadi 2 fraud dari internal Throughout this reporting period, there were 2 internal
dan 1 fraud dari eksternal, sebagaimana diungkapkan dalam frauds and 1 external fraud, as disclosed in the description of
uraian Strategi Anti-Fraud dalam Laporan Tahunan ini. Anti-Fraud Strategy in this Annual Report.
PT Bank Ina Perdana Tbk
2023 Annual Report 221
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Tata Kelola Perusahaan
Corporate Governance
Penilaian Tingkat Kesehatan Bank
Assessment of Bank Soundness Level
Bank Ina melakukan penilaian tingkat kesehatan Bank melalui Bank Ina conducts an assessment of the Bank’s health level
penilaian sendiri yang mengacu pada Peraturan Otoritas Jasa through a self-assessment that refers to the Financial Services
Keuangan No. 4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Authority Regulation No. 4/POJK.03/2016 concerning Health Level
Bank Umum dan Peraturan Otoritas Jasa Keuangan No. 17 Tahun Assessment of Commercial Banks and Financial Services Authority
2023 tentang Penerapan Tata Kelola bagi Bank Umum. Hasil Regulation No. 17 of 2023 concerning the Implementation of
penilaian tingkat kesehatan Bank Ina di tahun 2023 memperoleh Governance for Commercial Banks. The results of Bank Ina’s
Peringkat 2 atau “Sehat” dengan uraian sebagai berikut. health level assessment in 2023 obtained Rating 2 or “Healthy”
with the following description.
Hasil Penilaian
Komponen Assessment Result
Component
Peringkat Kategori
Rating Category
Risk Profile 2 Low to Moderate
Baik
Good Corporate Governance 2
Good
Baik
Earning 2
Good
Baik
Capital 2
Good
Peringkat Kesehatan Bank Sehat
2
Bank Soundness Level Healthy
Analisis Hasil Penilaian Sendiri Tingkat Kesehatan Bank Ina
Analysis of Bank Ina’s Soundness Level Self-Assessment Results
Risk Profile
Low to Moderate
Good Corporate Governance
Baik
Good
Earning
Baik
Good
Capital
Baik
Good
PT Bank Ina Perdana Tbk
222 Laporan Tahunan 2023
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Penerapan Pedoman Tata Kelola
Perusahaan Terbuka
Implementation of Public Company Governance Guidelines
Bank Ina menerapkan pedoman tata kelola perusahaan Bank Ina implements public company governance guidelines
terbuka mengacu pada Peraturan Otoritas Jasa Keuangan referring to Financial Services Authority Regulation
No. 21/POJK.04/2015 dan Surat Edaran Otoritas Jasa Keuangan No. 21/POJK.04/2015 and Financial Services Authority Circular
No. 32/SEOJK.04/2015, yang diuraikan pada tabel berikut. No. 32/SEOJK.04/2015, which are outlined in the following table.
Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
I.
Relationship between the Public Company and Shareholders in Guaranteeing the Shareholders’ Rights
Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS).
1.
Increasing the Value of Convening General Meeting of Shareholders (GMS).
a. Perusahaan Terbuka memiliki cara atau prosedur Terpenuhi Tata cara atau prosedur teknis pengumpulan suara diungkapkan dalam
teknis pengumpulan suara (voting), baik secara Pedoman Penerapan Tata Kelola No. COM/001/01/0319 tertanggal
terbuka maupun tertutup, yang mengedepankan 29 Maret 2019.
independensi dan kepentingan Pemegang Saham.
The Public Company has technical voting methods Complied Technical voting methods or procedures are disclosed in the Governance
or procedures, either open or close, prioritizing Implementation Guidelines No. COM/001/01/0319 dated March 29,
independence, and interest of Shareholders. 2019.
b. Seluruh anggota Dewan Komisaris dan anggota Terpenuhi RUPS Tahunan diselenggarakan pada tanggal 16 Juni 2023 yang dihadiri
Direksi Perusahaan Terbuka hadir dalam RUPS oleh seluruh anggota Dewan Komisaris dan anggota Direksi Bank Ina.
Tahunan. Complied The Annual GMS was held on June 16, 2023, and attended by all
All members of the Board of Commissioners and members of Bank Ina’s Board of Commissioners and Board of Directors.
Board of Directors of the Public Listed Company
attended the Annual GMS.
c. Ringkasan risalah RUPS tersedia dalam situs web Terpenuhi Ringkasan risalah RUPS dapat diakses melalui situs web Bank bagian
Perusahaan Terbuka paling sedikit selama 1 tahun. Hubungan Investor >> RUPS.
Summary of GMS Minutes is available on the Public Complied The summary of GMS minutes can be accessed through the Bank’s
Company’s website for at least 1 year. website in the Investor Relations section >> GMS.
Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
2.
Increasing the Communication Quality between the Public Company and Shareholders or Investors.
a. Perusahaan Terbuka memiliki suatu kebijakan Terpenuhi Bank telah memiliki kebijakan komunikasi dengan Pemegang Saham atau
komunikasi dengan Pemegang Saham atau investor, antara lain mengatur tentang berbagai hal terkait pelaksanaan
investor. RUPS.
The Public Company has communication policy Complied The Bank has a communication policy with Shareholders or investors,
with the Shareholders or investors. which among other things regulates various matters related to the
implementation of the GMS.
b. Perusahaan Terbuka mengungkapkan kebijakan Terpenuhi Kebijakan komunikasi Bank dengan Pemegang Saham, khususnya yang
komunikasi Perusahaan Terbuka dengan Pemegang berkaitan dengan pelaksanaan RUPS, dimuat dalam Pedoman Penerapan
Saham atau investor dalam situs web. Tata Kelola No. COM/001/01/0319 tertanggal 29 Maret 2019.
The Public Company discloses its policy on Complied The Bank’s communication policy with Shareholders, especially those
communication with Shareholders or investors on related to the implementation of the GMS, is contained in the Guidelines
the website. for Implementing Governance No. COM/001/01/0319 dated March 29.
Fungsi dan Peran Dewan Komisaris
II.
Functions and Roles of the Board of Commissioners
Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.
3.
Strengthening the Board of Commissioners’ Membership and Composition.
a. Penentuan jumlah anggota Dewan Komisaris Terpenuhi Penentuan jumlah anggota Dewan Komisaris telah mempertimbangkan
mempertimbangkan kondisi Perusahaan Terbuka. kondisi terkini Bank serta telah memenuhi persyaratan Otoritas Jasa
Keuangan.
The determination of number of Board of Complied Determination of the number of members of the Board of Commissioners
Commissioners’ members considers the Public has taken into account the current conditions of the Bank and has met the
Company’s condition. requirements of the Financial Services Authority.
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Tata Kelola Perusahaan
Corporate Governance
Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
b. Penentuan komposisi anggota Dewan Komisaris Terpenuhi Anggota Dewan Komisaris yang menjabat saat ini memiliki keahlian,
memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan Bank Ina.
pengetahuan, dan pengalaman yang dibutuhkan.
The determination of Board of Commissioners’ Complied The current members of the Board of Commissioners have the required
composition considers the range of expertise, expertise, knowledge, and experience required by Bank Ina.
knowledge, and experience required.
Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
4.
Increasing the Quality of Implementation of Board of Commissioners’ Duties and Responsibilities.
a. Dewan Komisaris mempunyai kebijakan penilaian Terpenuhi Bank Ina telah memiliki kebijakan penilaian sendiri (self-assessment)
sendiri (self-assessment) untuk menilai kinerja untuk menilai kinerja Dewan Komisaris dengan mengacu pada Pedoman
Dewan Komisaris. Penerapan Tata Kelola No. COM/001/01/0319 tertanggal 29 Maret 2019.
Penilaian kinerja Dewan Komisaris juga merupakan bagian dari kriteria
penilaian sendiri terhadap penerapan GCG Bank Ina.
The Board of Commissioners has self-assessment Complied Bank Ina has a self-assessment policy to assess the performance of the
policy to assess the Board of Commissioners’ Board of Commissioners with reference to the Governance Implementation
performance. Guidelines No. COM/001/01/0319 dated March 29, 2019. Assessment
of the performance of the Board of Commissioners is also part of the
self-assessment criteria for the implementation of Bank Ina’s GCG.
b. Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Penilaian kinerja Dewan Komisaris telah diungkapkan dalam Laporan
menilai kinerja Dewan Komisaris, diungkapkan Tahunan ini.
melalui Laporan Tahunan Perusahaan Terbuka.
The self-assessment policy to assess the Board of Complied Assessment of the performance of the Board of Commissioners has been
Commissioners’ performance is disclosed in the disclosed in this Annual Report.
Public Company’s Annual Report.
c. Dewan Komisaris mempunyai kebijakan terkait Terpenuhi Kebijakan pengunduran diri anggota Dewan Komisaris tertuang dalam
pengunduran diri anggota Dewan Komisaris Pedoman Penerapan Tata Kelola No. COM/001/01/0319 tertanggal
apabila terlibat dalam kejahatan keuangan. 29 Maret 2019.
The Board of Commissioners has policy related Complied The resignation policy for members of the Board of Commissioners
to resignation of the Board of Commissioners’ is contained in the Governance Implementation Guidelines
members if involved in financial crime. No. COM/001/01/0319 dated March 29, 2019.
d. Dewan Komisaris atau komite yang menjalankan Terpenuhi Sesuai Piagam Komite Remunerasi dan Nominasi yang disahkan pada
fungsi Nominasi dan Remunerasi menyusun tanggal 13 Desember 2023. Komite Nominasi dan Remunerasi membantu
kebijakan suksesi dalam proses nominasi anggota melaksanakan fungsi dan tugas Dewan Komisaris terkait pengusulan
Direksi. seseorang untuk diangkat sebagai anggota Direksi Bank.
The Board of Commissioners or Committee Complied In accordance with the Nomination and Remuneration Committee
performing Nomination and Remuneration Charter which was approved on December 13, 2023. The Nomination
functions prepares the succession policy for the and Remuneration Committee assists in carrying out the functions and
nomination process of the Board of Directors’ duties of the Board of Commissioners regarding proposing a person to be
members. appointed as a member of the Bank’s Board of Directors.
Fungsi dan Peran Direksi
III.
Functions and Roles of the Board of Directors
Memperkuat Keanggotaan dan Komposisi Direksi.
5.
Strengthening the Board of Directors’ Membership and Composition.
a. Penentuan jumlah anggota Direksi Terpenuhi Penentuan jumlah anggota Direksi telah mempertimbangkan kondisi
mempertimbangkan kondisi Perusahaan Terbuka, terkini Bank serta telah memenuhi persyaratan Otoritas Jasa Keuangan.
serta efektivitas dalam pengambilan keputusan.
The determination of number of Board of Directors’ Complied Determination of the number of members of the Board of Directors has
members considers the Public Company’s condition taken into account the current conditions of the Bank and has met the
and effectiveness in decision-making. requirements of the Financial Services Authority.
b. Penentuan komposisi anggota Direksi Terpenuhi Anggota Direksi yang menjabat saat ini memiliki keahlian, pengetahuan,
memperhatikan, keberagaman keahlian, dan pengalaman yang dibutuhkan Bank.
pengetahuan, dan pengalaman yang dibutuhkan.
The determination of Board of Directors’ Complied The current members of the Board of Directors have the expertise,
composition considers the range of expertise, knowledge, and experience required by the Bank.
knowledge, and experience required.
c. Anggota Direksi yang membawahi bidang Terpenuhi Direktur Keuangan membawahi Bagian Akuntansi dan Perencanaan
akuntansi atau keuangan memiliki keahlian dan/ Keuangan dijabat oleh Kiung Hui Ngo, seorang Sarjana Ekonomi jurusan
atau pengetahuan di bidang akuntansi. Akuntansi yang telah meraih gelar Magister Manajemen.
The Board of Directors’ member in charge of Complied The Director of Finance overseeing the Accounting and Financial Planning
accounting or finance has the expertise and/or Section is held by Kiung Hui Ngo, holder of Bachelor of Economics
knowledge in accounting. majoring in Accounting and a Master’s degree in Management.
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Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.
6.
Increasing the Quality of Implementation of Board of Directors’ Duties and Responsibilities.
a. Direksi mempunyai kebijakan penilaian sendiri Terpenuhi Bank Ina telah memiliki kebijakan penilaian sendiri (self-assessment) untuk
(self-assessment) untuk menilai kinerja Direksi. menilai kinerja Direksi dengan mengacu pada Pedoman Penerapan Tata
Kelola No. COM/001/01/0319 tertanggal 29 Maret 2019. Penilaian kinerja
Direksi juga merupakan bagian dari kriteria penilaian sendiri terhadap
penerapan GCG Bank Ina.
The Board of Directors has self-assessment policy to Complied Bank Ina has a self-assessment policy to assess the performance of the
assess the Board of Directors’ performance. Board of Directors with reference to the Governance Implementation
Guidelines No. COM/001/01/0319 dated March 29, 2019. Assessment of
the performance of the Board of Directors is also part of the selfassessment
criteria for the implementation of Bank Ina’s GCG.
b. Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Penilaian kinerja Direksi telah diungkapkan dalam Laporan Tahunan ini.
menilai kinerja Direksi diungkapkan melalui Laporan
Tahunan Perusahaan Terbuka.
The self-assessment policy to assess the Board of Complied Assessment of the performance of the Board of Directors has been
Directors’ performance is disclosed in the Public disclosed in this Annual Report.
Company’s Annual Report.
c. Direksi mempunyai kebijakan terkait pengunduran Terpenuhi Kebijakan pengunduran diri anggota Direksi tertuang dalam Pedoman
diri anggota Direksi apabila terlibat dalam kejahatan Penerapan Tata Kelola No. COM/001/01/0319 tertanggal 29 Maret 2019.
keuangan.
The Board of Directors has policy related to Complied The resignation policy for members of the Board of Directors is contained
resignation of the Board of Directors’ members if in the Governance Implementation Guidelines No. COM/001/01/0319
involved in financial crime. dated March 29, 2019.
Partisipasi Pemangku Kepentingan
IV.
Stakeholders Participation
Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan.
7.
Increasing the Corporate Governance Aspect through Stakeholders Participation.
a. Perusahaan Terbuka memiliki kebijakan untuk Terpenuhi Kebijakan untuk mencegah terjadinya insider trading tercantum dalam
mencegah terjadinya insider trading. Pedoman Penerapan Tata Kelola No. COM/001/01/0319 tertanggal
29 Maret 2019 pada bagian Kode Etik Karyawan.
The Public Company has a policy to prevent the Complied The policy to prevent insider trading is listed in the Governance
occurrence of insider trading. Implementation Guidelines No. COM/001/01/0319 dated March 29 2019
in the Employee’s Code of Ethics section.
b. Perusahaan Terbuka memiliki kebijakan anti korupsi Terpenuhi Kebijakan dan Prosedur Strategi Anti-Fraud No. KEB/RMG/13/03/0923
dan anti-fraud. tanggal 6 Oktober 2023 merupakan penyempurnaan dari Kebijakan dan
Prosedur Strategi Anti-Fraud No. RMG/13/02/0621 tanggal 1 Juli 2021.
Bank Ina juga telah menerbitkan Komitmen Kebijakan Anti Korupsi dan
Suap, sebagai wujud peran serta Bank dalam Pakta Integritas Strategi
Nasional Anti Korupsi.
The Public Company has anti-corruption and Complied Anti-Fraud Strategy Policies and Procedures No. KEB/RMG/13/03/0923
anti-fraud policy. dated October 6, 2023, is a refinement of the Anti-Fraud Strategy Policy
and Procedure No. RMG/13/02/0621 dated July 1, 2021. Bank Ina has also
issued an Anti-Corruption and Bribery Policy Commitment, as a form of the
Bank’s participation in the Anti- Corruption National Strategy Integrity Pact.
c. Perusahaan Terbuka memiliki kebijakan tentang Terpenuhi Terkait kebijakan tentang seleksi dan peningkatan kemampuan pemasok
seleksi dan peningkatan kemampuan pemasok atau vendor, Bank telah menyusun:
atau vendor. • Memo/KSP/024/0622 tanggal 11 Agustus 2022 perihal Revisi Nilai
Nominal Pengajuan Pengadaan Barang dan Jasa untuk Seleksi Vendor;
• Memo/KSP/024/0622 tanggal 11 Agustus 2023 perihal Revisi Nilai
Nominal Pengajuan Pengadaan Barang dan Jasa untuk Seleksi Vendor;
• Kebijakan dan Prosedur Alih Daya No. HC/009/003/1023 tanggal
1 Desember 2023; dan
• Standar Operasional Prosedur (SOP) 108 versi 3.0 Pengadaan Barang
dan Jasa TI, April 2023.
The Public Company has a policy on selection and Complied Regarding policies on selection and capacity building of suppliers or
improvement of supplier’s or vendor’s capabilities. vendors, the Bank has compiled:
• Memo/KSP/024/0622 dated August 11, 2022, on Revision of Nominal
Value for Submission of Procurement of Goods and Services for Vendor
Selection;
• Memo/KSP/024/0622 dated August 11, 2023 on Revision of Nominal
Value of Goods and Services Procurement Submission for Vendor
Selection;
• Outsourcing Policy and Procedure No. HC/009/003/1023 dated
December 1, 2023; and
• Standard Operating Procedure (SOP) 108 version 3.0 on Procurement
of IT Goods and/or Services, April 2023
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2023 Annual Report 225
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Tata Kelola Perusahaan
Corporate Governance
Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
d. Perusahaan Terbuka memiliki kebijakan tentang Terpenuhi Terkait kebijakan tentang pemenuhan hak-hak kreditur, Bank telah
pemenuhan hak-hak kreditur. menyusun:
• Memo/RM/011/0323 tanggal 28 Maret 2023 perihal Tambahan SOP:
BCP Kantor Pusat No. 133/versi/2.0;
• KEB/DIB/052/00/0822 tanggal 23 Agustus 2023 Layanan Kredit
Talangan Pembelian;
• SOP No. 115 ver 2.0 tanggal 31 Maret 2023 Penangangan Pengaduan
Konsumen melalui Kantor Cabang;
• Kebijakan Business Continuity Management (BCM)
No. KEB/RMG/007/01/1222 tanggal 23 Desember 2022;
• Memo/BB/046/1122 tanggal 25 November 2022 perihal Petunjuk
Pelaksanaan Sistem Complain Handling Nasabah melalui Kantor
Cabang;
• Standar Operasional Prosedur No. 157 tanggal 5 Agustus 2022 tentang
Pengelolaan Rekening Tidak Aktif (Dormant Account);
• Kebijakan Perlindungan, Penanganan, dan Penyelesaian Keluhan
Konsumen No. KSP/DIB/250/00/0222 tanggal 25 Februari 2022;
• Memo/KSP/011/0420 tanggal 14 April 2020 perihal Permohonan
Relaksasi Kredit melalui Call Center; dan
• Memo/KSP/006/0320 tanggal 23 Maret 2020 perihal Persetujuan
Kebijakan Perlakuan Khusus dan Relaksasi Kredit terkait Covid-19.
The Public Company has a policy on the fulfillment Complied Regarding policies on fulfillment of creditor rights, the Bank has compiled:
of creditor’s rights. • Memo/RM/011/0323 dated March 28, 2023 on Supplement to SOP:
BCP Head Office No. 133/version/2.0;
• KEB/DIB/052/00/0822 dated August 23, 2023 on Purchase Advance
Credit Services;
• SOP No. 115 ver 2.0 dated March 31, 2023 on Handling Consumer
Complaints through Branch Offices;
• Business Continuity Management (BCM) Policy
No. KEB/RMG/007/01/1222 dated December 23, 2022;
• Memo/BB/046/1122 dated November 25, 2022, onGuidelines for
Implementing a Customer Complaint Handling System through Branch
Offices;
• Standard Operating Procedure No. 157 dated August 5, 2022, on
Management of Dormant Accounts;
• Consumer Complaint Protection, Handling, and Settlement Policy
No. KSP/DIB/250/00/0222 dated February 25, 2022;
• Memo/KSP/011/0420 dated April 14, 2020 on Request for Credit
Relaxation through Call Center; and
• Memo/KSP/006/0320 dated March 23, 2020 on Approval of Special
Treatment Policy and Credit Relaxation related to Covid-19.
e. Perusahaan Terbuka memiliki kebijakan sistem Terpenuhi Kebijakan ini dimuat dalam Pedoman Umum Whistleblowing
whistleblowing. No. AUD/00/02/1013 tanggal 16 Oktober 2023.
The Public Company has a policy on WBS system. Complied This policy is contained in the General Guidelines of Whistleblowing No.
AUD/00/02/1013 dated October 16, 2023.
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Aspek/Prinsip/Rekomendasi Keterangan
No. Status
Aspects/Principles/Recommendations Description
f. Perusahaan Terbuka memiliki kebijakan pemberian Terpenuhi Pemberian insentif dibahas dalam Rapat Komite Nominasi dan Remunerasi
insentif jangka panjang kepada Direksi dan menyangkut budget Insentif, tanggal Pembayaran, serta syarat dan
karyawan. ketentuan insentif. Kebijakan Remunerasi diatur dalam Pedoman
dan Kebijakan Penerapan Tata Kelola dalam pemberian Remunerasi
No. SDM/003/1216 dan Standar Operasi Prosedur No. 107 Pemberian
Remunerasi Bersifat Variabel dan Mekanisme Malus dan Clawback.
The Public Company has a policy on provision of Complied The provision of incentives is discussed in the Nomination and Remuneration
long-term incentive for the Board of Directors and Committee’s Meeting regarding the incentive budget, payment date, and
employees. the terms and conditions of the incentive. The Remuneration Policy is
regulated in the Guidelines and Policy for Implementing Good Corporate
Governance in Remuneration No. SDM/003/1216 and Standard Operating
Procedure No. 107 on Variable Remuneration and Malus and Clawback
Mechanisms.
Keterbukaan Informasi
V.
Information Disclosure
Meningkatkan Pelaksanaan Keterbukaan Informasi.
8.
Increasing the Implementation of Information Disclosure.
a. Perusahaan Terbuka memanfaatkan penggunaan Terpenuhi Platform media sosial, seperti Instagram, serta IDX Net dan Sistem
teknologi informasi secara lebih luas selain situs Pelaporan Otoritas Jasa Keuangan dimanfaatkan dengan baik oleh Bank
web sebagai media keterbukaan informasi. sebagai sarana penyampaian informasi bagi para pemangku kepentingan.
Bank Ina juga memanfaatkan layar ATM untuk menayangkan produk-
produk yang ditawarkan, serta Call Center sebagai layanan pengaduan
dan informasi.
The Public Company utilizes information technology Complied Social media platforms, such as Instagram, IDX Net, and Financial Services
more broadly, in addition to the website, as a media Authority Reporting System are well utilized by the Bank as a means of
for information disclosure. conveying information to stakeholders. Bank Ina also utilizes ATMs to
display the products offered, as well as the Call Center as a complaint and
information service.
b. Laporan Tahunan Perusahaan Terbuka Terpenuhi Informasi terkait pemilik manfaat terakhir Bank Ina diungkapkan pada
mengungkapkan pemilik manfaat akhir dalam bagian Pemegang Saham Utama dan Pengendali Bab Profil Perusahaan
kepemilikan saham Perusahaan Terbuka paling dalam Laporan Tahunan ini.
sedikit 5%, selain pengungkapan pemilik manfaat
akhir dalam kepemilikan saham Perusahaan
Terbuka melalui Pemegang Saham Utama dan
Pengendali.
The Public Company’s Annual Report discloses the Complied Information regarding the ultimate beneficial owner of Bank Ina is
ultimate beneficial owner of the Public Company’s disclosed in the Major and Controlling Shareholders section of the
share ownership of at least 5%, in addition to the Company Profile Chapter in this Annual Report.
disclosure of the ultimate beneficial owner in the
share ownership of Public Company through the
Main and Controlling Shareholders.
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Tata Kelola Perusahaan
Corporate Governance
Struktur dan Hubungan GCG
GCG Structure and Relationship
Dalam membagi dan menegaskan tugas, tanggung jawab, serta In dividing and emphasizing the duties, responsibilities, and
wewenang masing-masing organ, Bank membentuk struktur authorities of each organ, the Bank established a GCG structure
GCG yang merujuk pada Undang-Undang Republik Indonesia that refers to the Law of the Republic of Indonesia No. 40 of 2007
No. 40 Tahun 2007 tentang Perseroan Terbatas. Adapun struktur concerning Limited Liability Companies. The Bank’s GCG structure
GCG Bank digambarkan sebagai berikut. is described as follows.
Main Organs of Bank Ina
Organ Utama Bank Ina
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Audit Komite Manajemen Risiko
Audit Committee Risk Management Committee
Komite Nominasi dan Remunerasi Komite Kredit
Supporting Organs of Bank Ina
Nomination and Remuneration Committee Credit Committee
Organ Pendukung Bank Ina
Komite Pemantau Risiko Komite Kebijakan Perkreditan Bank
Risk Monitoring Committee Bank Credit Policy Committee
ALCO
Komite Pengarah Teknologi Informasi
Information Technology Steering Committee
Komite Produk
Product Committee
Satuan Kerja Audit Internal Sekretaris Perusahaan
Internal Audit Work Unit Corporate Sectetary
Berdasarkan struktur GCG tersebut, RUPS, Dewan Komisaris, dan Based on the GCG structure, the GMS, Board of Commissioners,
Direksi adalah organ utama Bank. RUPS merupakan organ tertinggi and Board of Directors are the main organs of the Bank. The GMS
dengan kewenangan yang tidak dapat diserahkan kepada Dewan is the highest organ with authority that cannot be delegated to
Komisaris ataupun Direksi. Sedangkan, Dewan Komisaris dan the Board of Commissioners or the Board of Directors. Meanwhile,
Direksi adalah organ yang bertanggung jawab dalam pengawasan the Board of Commissioners and the Board of Directors are the
dan pengurusan Bank. Dewan Komisaris dan Direksi Bank juga organs responsible for supervising and managing the Bank.
mempunyai wewenang untuk membentuk organ pendukung The Bank’s Board of Commissioners and Board of Directors also
dalam meningkatkan pelaksanaan tugas dan tanggung jawabnya. have the authority to establish supporting organs to improve the
implementation of their duties and responsibilities.
Selain itu, penerapan GCG Bank didukung dengan berbagai In addition, the Bank’s GCG implementation is supported by
kebijakan internal yang senantiasa dievaluasi secara berkala untuk various internal policies that are regularly evaluated to ensure
memastikan keefektifannya serta sesuai dengan perkembangan their effectiveness and in accordance with the latest business
PT Bank Ina Perdana Tbk
228 Laporan Tahunan 2023
Page 231
bisnis terkini. Kebijakan-kebijakan internal tersebut diuraikan developments. These internal policies are described as follows.
sebagai berikut.
Kebijakan Keterangan
Policy Remark
Kebijakan Pedoman Penerapan Tata Kelola No. COM/001/01/0319 tanggal 29 Maret 2019
Governance Implementation Guideline Policy No. COM/001/01/0319 dated March 29, 2019
Kebijakan Sistem Pengendalian Internal SOP 114 Ver. 4.0 tanggal 2 Januari 2023
Internal Control System Policy SOP 114 Ver. 4.0 dated January 2, 2023
Pedoman Penanganan Pengaduan Konsumen • SOP No. 115 tanggal 20 Desember 2018
terhadap Penyalahgunaan Produk/Layanan Bank • Kebijakan Perlindungan, Penanganan, dan Penyelesaian Keluhan Konsumen (Complaint Policy)
Guidelines for Handling Consumer Complaints No. KSP/DIB/250/00/0222 tentang Kebijakan Perlindungan, Penanganan, dan Penyelesaian
Regarding Misuse of Bank Products/Services Keluhan Konsumen No. KSP/DIB/250/0222 tanggal 22 Februari 2022
• SOP No. 115 dated March 31, 2023
• Consumer Protection, Handling, and Complaint Settlement Policy (Complaint Policy) No. KSP/
DIB/250/00/0222 on Consumer Protection, Handling, and Complaint Settlement Policy No.
KSP/DIB/250/0222 dated February 22, 2022
Kebijakan Kewenangan Memutus Kredit • Memo/KSP/044/0923 tanggal 27 September 2023 perihal Limit Plafon Kredit Besar/Large
Credit Approval Authority Policy Exposure dengan Diketahui Dewan Komisaris
• Memo/KSP/043/0821 tanggal 11 Januari 2022 perihal Perubahan Wewenang Memutus Kredit
Untuk Pemberian Kredit >Rp2,5 miliar sampai dengan Rp10 miliar
• Memo/KSP/044/0923 dated September 27, 2023 on Large Exposure Ceiling Limit Acknowledged
by the Board of Commissioners
• Memo/KSP/043/0821 dated January 11, 2022 on Changes in Credit Decisioning Authority for
Lending >Rp2.5 billion to Rp10 billion
Pedoman Pengadaan Barang/Jasa SOP No. 108 Versi 3.0 tanggal 12 April 2023 Pengadaan Barang dan/atau Jasa TI
Guidelines for Procurement of Goods/Services SOP No. 108 Version 3.0 dated April 12, 2023 on Procurement of IT Goods and/or Services
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) adalah organ tertinggi The General Meeting of Shareholders (GMS) is the highest organ
di Bank yang berfungsi sebagai sarana untuk mengambil of the Bank that serves as a means to make important decisions
keputusan penting terkait aktivitas bisnis Bank, menerima Laporan related to the Bank’s business activities, receive the Board of
Pengawasan Dewan Komisaris dan Laporan Pengelolaan Direksi, Commissioners’ Supervisory Report and the Board of Directors’
serta menilai, menerima, dan menyetujui Laporan Tahunan dan Management Report, as well as assess, receive, and approve the
Laporan Keuangan Bank untuk periode 1 tahun. Bank’s Annual Report and Financial Statements for a 1-year period.
Pelaksanaan RUPS Bank Ina berpedoman pada ketentuan berikut: The implementation of Bank Ina’s GMS is guided by the following
provisions:
1. Undang-Undang No. 40 tahun 2007 tentang Perseroan Terbatas; 1. Law No. 40 of 2007 on Limited Liability Companies;
2. Peraturan Otoritas Jasa Keuangan No. 15/POJK.04/2020 2. Financial Services Authority Regulation No. 15/POJK.04/2020
tentang Perubahan atas Peraturan Otoritas Jasa Keuangan on Amendments to Financial Services Authority Regulation
No. 32/POJK.04/2014 tanggal 8 Desember 2014 tentang No.32/POJK.04/2014 dated December 8, 2014, on Plans
Rencana dan Penyelenggaraan Rapat Umum Pemegang and Implementation of General Meeting of Shareholders of
Saham Perusahaan Terbuka sebagaimana telah diubah dengan Public Companies as amended by Financial Services Authority
Peraturan Otoritas Jasa Keuangan No. 10/POJK.04/2017 Regulation No. 10/POJK.04/2017 dated March 14, 2017;
tanggal 14 Maret 2017;
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 on Implementation of Electronic General Meeting of
Perusahaan Terbuka secara Elektronik; serta Shareholders of Public Companies; and
4. Anggaran Dasar Bank. 4. Bank’s Articles of Association.
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Tata Kelola Perusahaan
Corporate Governance
Jenis RUPS Type of the GMS
Bank melaksanakan 2 jenis RUPS, yaitu RUPS Tahunan dan The Bank conducts 2 types of GMS, namely Annual GMS and
RUPS Luar Biasa. RUPS Tahunan merupakan RUPS wajib yang Extraordinary GMS. Annual GMS is a mandatory GMS that is held
dilaksanakan paling kurang 6 bulan setelah berakhirnya tahun at least 6 months after the end of the fiscal year. Meanwhile, the
buku. Sedangkan, RUPS Luar Biasa merupakan RUPS yang Extraordinary GMS is an incidental GMS or can be held at any
bersifat insidental atau bisa dilaksanakan sewaktu-waktu sesuai time as needed.
kebutuhan.
Wewenang RUPS GMS Authority
Wewenang yang dimiliki oleh RUPS terdiri dari: The authority possessed by the GMS consists of:
1. Mengevaluasi kinerja Dewan Komisaris dan Direksi; 1. Evaluating the performance of Board of Commissioners and
Board of Directors;
2. Mengesahkan perubahan Anggaran Dasar; 2. Approving amendments to the Articles of Association;
3. Memberikan persetujuan atas Laporan Direksi, Laporan Tugas 3. Providing approval for the Board of Directors’ Report, the
Pengawasan Dewan Komisaris, serta Laporan Keuangan Board of Commissioners’ Supervisory Report, and the Bank’s
Bank; Financial Statements;
4. Menetapkan alokasi penggunaan laba; 4. Appropriating the use of profits;
5. Menunjuk dan menetapkan biaya jasa akuntan publik; 5. Appointing and determining fees for public accountant services;
6. Menetapkan jumlah dan jenis kompensasi serta fasilitas 6. Determining the amount and type of compensation as well as
pengurus; management facilities;
7. Menyetujui Laporan Tahunan termasuk Laporan Keuangan 7. Approving the Annual Report including the Financial Statements
dan Laporan Tugas Pengawasan Dewan Komisaris, serta and the Board of Commissioners’ Supervisory Report, as well
memberikan pelunasan dan pembebasan tanggung jawab as granting release and discharge of responsibilities (acquit et
(acquit et de charge) kepada anggota Dewan Komisaris dan de charge) to Board of Commissioners’ members and Board
anggota Direksi atas tindakan pengurusan dan pengawasan of Directors’ members for their management and supervisory
yang telah dilakukannya; actions;
8. Memberi kuasa dan wewenang kepada Direksi untuk 8. Granting power and authority to the Board of Directors to
menentukan dan membayar dividen final; determine and pay the final dividend;
9. Mengambil keputusan-keputusan menyangkut struktur 9. Making decisions regarding the organizational structure
organisasi misalnya perubahan Anggaran Dasar, such as amendments to the Articles of Association, merger,
penggabungan, peleburan, pemisahan, pembubaran, dan consolidation, spin-off, dissolution, and liquidation of the
likuidasi Bank; Bank;
10. Mengangkat dan/atau mengubah susunan anggota Dewan 10. Appointing and/or changing the composition of Board of
Komisaris dan Direksi; Commissioners and Board of Directors;
11. Memutuskan remunerasi, penetapan gaji, tunjangan lain, 11. Deciding on remuneration, determining salary, other
serta honorarium Dewan Komisaris dan Direksi Bank; allowances, and honorarium for the Board of Commissioners
and Board of Directors of the Bank;
12. Memberi persetujuan terhadap transaksi yang mengandung 12. Giving approval to transactions that contain conflicts of
benturan kepentingan; serta interest; and
13. Memberikan kuasa dan kewenangan kepada Dewan 13. Granting power and authority to the Board of Commissioners
Komisaris untuk menunjuk kantor akuntan publik (KAP) to appoint a public accounting firm (KAP) with due regard to
dengan memperhatikan rekomendasi dari Komite Audit. recommendations from the Audit Committee.
Hak Pemegang Saham Shareholders Rights
Pemegang Saham Bank mempunyai hak dalam pelaksanaan The Bank’s Shareholders have rights in the implementation of the
RUPS, yaitu: GMS, namely:
1. Menghadiri RUPS; 1. Attending the GMS;
2. Mengusulkan agenda RUPS sesuai dengan ketentuan yang 2. Proposing the GMS agenda in accordance with the applicable
berlaku; regulations;
3. Memperoleh release materi RUPS selambatnya 28 hari 3. Obtaining material release of the GMS no later than 28 days
sebelum RUPS; before the GMS;
4. Mendapatkan kesempatan untuk mengajukan pertanyaan 4. Having the opportunity to ask questions and/or provide
dan/atau pendapat pada setiap agenda RUPS; opinions on each GMS agenda item;
PT Bank Ina Perdana Tbk
230 Laporan Tahunan 2023
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5. Memperoleh perlakuan yang sama dari perusahaan; 5. Receiving equal treatment from the company;
6. Memberikan suara dalam RUPS; 6. Casting vote at the GMS;
7. Mencalonkan kandidat anggota Dewan Komisaris dan/atau 7. Nominating candidates for members of the Board of
Direksi; Commissioners and/or Board of Directors;
8. Mengangkat seorang anggota Dewan Komisaris dan/atau 8. Appointing one or more member(s) of the Board of
Direksi atau lebih untuk menambah jumlah anggota Dewan Commissioners and/or Board of Directors to increase the
Komisaris dan/atau Direksi yang ada atau menggantikan number of existing members of the Board of Commissioners
anggota Dewan Komisaris dan/atau Direksi yang and/or Board of Directors or replace a dismissed member of
diberhentikan; the Board of Commissioners and/or Board of Directors;
9. Memberhentikan anggota Dewan Komisaris dan anggota 9. Dismissing members of the Board of Commissioners and
Direksi sewaktu-waktu sebelum mengakhiri masa jabatannya members of the Board of Directors at any time before their
melalui RUPS; term of office ends through the GMS;
10. Menerima pembayaran dividen sesuai dengan prosedur dan 10. Receiving dividend payments in accordance with applicable
ketentuan yang berlaku; serta procedures and provisions; and
11. Menjalankan hak dan/atau wewenang lain sesuai dengan 11. Exercising other rights and/or authorities in accordance with
Anggaran Dasar dan peraturan perundang-undangan yang the Articles of Association and applicable laws and regulations,
berlaku, termasuk hak untuk ikut serta dalam hal pemberian including the right to participate in matters of authorization
kuasa penambahan modal, perubahan Anggaran Dasar Bank, to increase capital, amend the Bank’s Articles of Association,
dan pengalihan seluruh atau sebagian harta kekayaan yang and transfer all or part of the assets causing the sale of the
menyebabkan penjualan perusahaan. company.
Ketentuan Penyelenggaraan RUPS Provisions to Organize the GMS
Bank Ina menetapkan ketentuan terkait penyelenggaraan RUPS Bank Ina stipulates the provisions related to the organization of
sebagai berikut: the GMS as follows:
1. RUPS Tahunan dan RUPS Luar Biasa diselenggarakan dalam 1. Annual GMS and Extraordinary GMS are held in Indonesian;
Bahasa Indonesia;
2. Sesuai ketentuan Pasal 23 ayat 1 butir a Anggaran Dasar 2. In accordance with the provisions of Article 23 Paragraph 1
Bank Ina, RUPS akan dipimpin oleh seorang anggota Dewan point a of Bank Ina’s Articles of Association, the GMS will
Komisaris yang ditunjuk oleh Dewan Komisaris Bank; be chaired by a member of the Board of Commissioners
appointed by the Bank’s Board of Commissioners;
3. Korum RUPS diatur pada Pasal 24 Anggaran Dasar Bank; 3. The GMS quorum is regulated in Article 24 of the Bank’s
Articles of Association;
4. Semua acara RUPS dibahas dan dibicarakan secara 4. All GMS agendas are discussed on an ongoing basis;
berkesinambungan;
5. Setelah selesai pelaksanaan RUPS, Pemimpin RUPS akan 5. After the GMS is convened, the GMS chairperson will provide
memberikan kesempatan kepada para Pemegang Saham an opportunity for the Shareholders or their proxies to ask
atau kuasanya untuk mengajukan pertanyaan, pendapat, usul questions, provide opinions, advice, or suggestions prior to
atau saran sebelum diadakan pemungutan suara mengenai voting on matters related to the implementation of the said
hal yang berhubungan dengan pelaksanaan RUPS yang GMS;
dibicarakan;
6. Pihak yang berhak mengajukan pertanyaan dan/atau pendapat 6. Parties entitled to ask questions and/or provide opinions at the
dalam pelaksanaan RUPS hanyalah para Pemegang Saham Bank GMS are only the Bank’s Shareholders or their legal proxies
atau kuasanya yang sah yang namanya tercatat dalam Daftar whose names are recorded in the Bank’s Shareholder Register
Pemegang Saham Bank sehari sebelum tanggal Pemanggilan the day before the date of the GMS Invitation;
RUPS;
7. Pertanyaan 7. Question
a. Para Pemegang Saham yang ingin mengajukan a. Shareholders who wish to ask questions are welcome to
pertanyaan, dipersilahkan untuk mengangkat tangan raise their hands and fill out the question forms that have
dan mengisi formulir pertanyaan yang telah dibagikan. been distributed. The officer will collect the form that
Petugas akan mengumpulkan formulir yang sudah diisi has been filled in by the questioner, which includes the
oleh penanya, yang mencantumkan nama, jumlah saham name, number of shares owned or represented, and the
yang dimiliki atau diwakili, dan pertanyaan yang diajukan; questions asked;
b. Setelah penanya mengajukan pertanyaan melalui formulir, b. After the questioner submits a question via the form, the
Pemimpin RUPS akan menjawab atau menanggapinya; serta GMS Chairperson will answer or respond to such; serta
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2023 Annual Report 231
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Tata Kelola Perusahaan
Corporate Governance
c. Pertanyaan yang akan dijawab adalah pertanyaan yang c.The questions that will be answered are questions that
berkaitan langsung dengan pelaksanaan RUPS; are directly related to the implementation of the GMS;
8. Hak Suara 8. Voting Rights
a. Hanya para Pemegang Saham Bank yang namanya a. Only the Bank’s Shareholders whose names are recorded
tercatat dalam Daftar Pemegang Saham Bank sehari in the Bank’s Shareholder Register the day before the date
sebelum tanggal panggilan atau kuasanya yang berhak of the GMS Invitation or their proxies are entitled to vote;
untuk mengeluarkan suara; serta serta
b. Setiap saham memberikan hak kepada pemegangnya b. Each share entitles the holder to one vote;
untuk mengeluarkan satu suara;
9. Keputusan RUPS dilakukan dengan cara musyawarah untuk 9. GMS resolutions are adopted by deliberation to reach a
mufakat, apabila musyawarah untuk mufakat tidak tercapai, consensus. If deliberation for consensus is not reached, then a
maka dilakukan pemungutan suara. vote is taken.
Adapun tahapan pelaksanaan RUPS Tahunan dan RUPS Luar Biasa The stages of the implementation of the Annual GMS and
Bank Ina diuraikan sebagai berikut. Extraordinary GMS of Bank Ina are described as follows.
Kegiatan Keterangan
Activity Remark
Pemberitahuan mengenai rencana dan mata acara RUPS disampaikan kepada Otoritas Jasa Keuangan 5 hari kerja
Pemberitahuan sebelum tanggal pengumuman RUPS kepada publik atau 44 hari kerja sebelum pelaksanaan RUPS.
Notification Notification regarding the plan and agenda of the GMS is submitted to the Financial Services Authority 5 working
days prior to the date of announcement of the GMS to the public or 44 working days prior to the holding of the GMS.
Pengumuman RUPS disampaikan melalui situs web Bank, Bursa Efek Indonesia, dan Kustodian Sentral Efek Indonesia 14 hari
sebelum tanggal Pengumuman RUPS atau 37 hari kerja sebelum penyelenggaraan RUPS. Bukti Pengumuman RUPS di surat
kabar disampaikan kepada Otoritas Jasa Keuangan 2 hari kerja setelah pengumuman RUPS.
Pengumuman
Announcement The GMS announcement is submitted through the website of the Bank, Indonesian Stock Exchange, and Indonesian
Central Securities Depository 14 days prior to the date of the GMS Announcement or 37 working days prior to
the holding of the GMS. Proof of announcement of the GMS in a newspaper is submitted to the Financial Services
Authority 2 working days after the announcement of the GMS.
Pemanggilan RUPS disampaikan minimal melalui situs web Bank, Bursa Efek Indonesia, dan Kustodian Sentral Efek
Indonesia 23 hari sebelum penyelenggaraan RUPS. Sementara itu, bukti pemanggilan RUPS disampaikan kepada
Pemanggilan Otoritas Jasa Keuangan 22 hari sebelum penyelenggaraan RUPS.
Invitation GMS invitation is submitted at least through the website of the Bank, Indonesia Stock Exchange, and Indonesian
Central Securities Depository 23 days prior to the holding of the GMS. Meanwhile, proof of the GMS invitation is
submitted to the Financial Services Authority 22 days prior to the holding of the GMS.
RUPS diadakan di Kantor Pusat Bank dengan ketentuan dihadiri oleh Pemegang Saham Independen yang mewakili ½
Penyelenggaraan bagian dari jumlah seluruh saham dengan hak suara sah yang dimiliki oleh Pemegang Saham Independen.
Implementation The GMS is held at Head Office of the Bank, provided that it is attended by Independent Shareholders who represent
½ part of the total shares with valid voting rights owned by Independent Shareholders.
Ringkasan risalah RUPS disampaikan melalui situs web Bank, Bursa Efek Indonesia, dan Kustodian Sentral Efek
Ringkasan Risalah Indonesia 2 hari kerja setelah penyelenggaraan RUPS.
Summary of Minutes The summary of the GMS minutes is submitted through the website of the Bank, Indonesia Stock Exchange, and
Indonesian Central Securities Depository 2 working days after the GMS is held.
Pelaksanaan RUPS Tahun 2023 Implementation of the 2023 GMS
Bank Ina telah melaksanakan RUPS Tahunan pada 16 Juni 2023 Bank Ina has held an Annual GMS on June 16, 2023 and 2
dan 2 kali RUPS Luar Biasa, yaitu tanggal 9 Januari 2023 dan Extraordinary GMS, namely on January 9, 2023 and May 19,
19 Mei 2023. RUPS dilaksanakan di Gedung Ariobimo Sentral 2023. The GMS was held at Ariobimo Sentral Building Lt. 8, Jl. HR
Lt. 8, Jl. HR Rasuna Said Blok X-2, Kav. 5, Kuningan, Jakarta Rasuna Said Blok X-2, Kav. 5, Kuningan, Jakarta Selatan, with the
Selatan, dengan uraian sebagai berikut. following description.
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232 Laporan Tahunan 2023
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Peserta RUPS Tahunan dan RUPS Luar Biasa
Participants in the Annual GMS and Extraordinary GMS
RUPS Tahunan 16 Juni 2023
Annual GMS dated June 16, 2023
Pengurus Bank Dewan Komisaris
Bank Management Komisaris Utama/Komisaris Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi*)
Wakil Direktur Utama : Yulius Purnama Junaedi*)
Direktur : Kiung Hui Ngo
Direktur Manajemen Risiko dan Kepatuhan : Adhiputra Tanoyo
*)
Efektif menjabat sejak 9 Agustus 2023
Board of Commissioners
President Commissioner/ Independent : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi*)
Vice President Director : Yulius Purnama Junaedi*)
Director : Kiung Hui Ngo
Director of Risk Management and Compliance : Adhiputra Tanoyo
*)
Effective in position since August 9, 2023.
Pemegang Saham Dihadiri oleh 5.872.500.141 saham yang memiliki hak suara yang sah atau setara dengan 95,73% dari seluruh jumlah
Shareholders saham dengan hak suara yang sah yang telah dikeluarkan oleh Bank yang seluruhnya berjumlah 6.134.716.665 saham.
Attended by 5,872,500,141 shares with valid voting rights or equivalent to 95.73% of the total number of shares with
valid voting rights issued by the Bank, totaling 6,134,716,665 shares.
Lembaga Penunjang Notaris / Notary : Christina Dwi Utami, SH, MHum, MKn
Pasar Modal Biro Administrasi Efek / Share Registrar : PT Raya Saham Registra
Capital Market Kantor Akuntan Publik / Public Accounting Firm : Purwantono, Sungkoro & Surja (a member firm of Ernst & Young)
Supporting Institutions
RUPS Luar Biasa 9 Januari 2023
Extraordinary GMS dated January 9, 2023
Pengurus Bank Dewan Komisaris
Bank Management Komisaris Utama/Komisaris Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur : Kiung Hui Ngo
Direktur : Yulius Purnama Junaedi
Direktur Manajemen Risiko dan Kepatuhan : Adhiputra Tanoyo
Board of Commissioners
President Commissioner/ Independent : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
Director : Kiung Hui Ngo
Director : Yulius Purnama Junaedi
Director : Adhiputra Tanoyo
Pemegang Saham Dihadiri oleh 5.707.563.976 saham yang memiliki hak suara yang sah atau setara dengan 96,09% dari seluruh jumlah
Shareholders saham dengan hak suara yang sah yang telah dikeluarkan oleh Bank yang seluruhnya berjumlah 5.940.078.776 saham.
Attended by 5,707,563,976 shares with valid voting rights or equivalent to 96.09% of the total number of shares with
valid voting rights issued by the Bank, totaling 5,940,078,776 shares.
Lembaga Penunjang Notaris : Edward Suharjo Wiryomartani, SH, MKn
Pasar Modal Notary
Capital Market Biro Administrasi Efek : PT Raya Saham Registra
Supporting Institutions Share Registrar
PT Bank Ina Perdana Tbk
2023 Annual Report 233
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Tata Kelola Perusahaan
Corporate Governance
RUPS Luar Biasa 19 Mei 2023
Extraordinary GMS dated May 19, 2023
Pengurus Bank Dewan Komisaris
Bank Management Komisaris Utama/Komisaris Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi*)
Wakil Direktur Utama : Yulius Purnama Junaedi*)
Direktur : Kiung Hui Ngo
Direktur Manajemen Risiko dan Kepatuhan : Adhiputra Tanoyo
*)
Efektif menjabat sejak 9 Agustus 2023
Board of Commissioners
President Commissioner/ Independent : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi*)
Vice President Director : Yulius Purnama Junaedi*)
Director : Kiung Hui Ngo
Director Risk Management and Compliance : Adhiputra Tanoyo
*)
Effective in position since August 9, 2023.
Pemegang Saham Dihadiri oleh 5.924.537.678 saham yang memiliki hak suara yang sah atau setara dengan 96,57% dari seluruh jumlah
Shareholders saham dengan hak suara yang sah yang telah dikeluarkan oleh Bank yang seluruhnya berjumlah 6.134.716.665 saham.
Attended by 5,924,537,678 shares with valid voting rights or equivalent to 96.57% of the total number of shares with
valid voting rights issued by the Bank, totaling 6,134,716,665 shares.
Lembaga Penunjang Notaris : Edward Suharjo Wiryomartani, SH, MKn
Pasar Modal Notary
Capital Market Biro Administrasi Efek : PT Raya Saham Registra
Supporting Institutions Share Registrar
Agenda RUPS Tahunan Annual GMS Agenda
1. Laporan Tahunan, termasuk pengesahan Laporan Keuangan 1. Annual Report, including the ratification of the Bank’s
Bank dan Laporan Tugas Pengawasan Dewan Komisaris Bank; Financial Statements and the Bank’s Board of Commissioners
Supervisory Task Report;
2. Penetapan penggunaan laba bersih Bank untuk tahun buku 2. Appropriation of the use of the Bank’s net income for the
2022; financial year 2022;
3. Penetapan gaji dan tunjangan dan/atau penghasilan lain 3. Determination of salaries and allowances and/or other income
bagi anggota Direksi serta honorarium dan/atau tunjangan for members of the Board of Directors and honorarium and/or
anggota Dewan Komisaris Perseroan untuk tahun buku 2023; allowances for members of the Bank’s Board of Commissioners
for the 2023 financial year;
4. Penunjukan akuntan publik dan kantor akuntan publik yang 4. Appointment of a public accountant and a public accounting
akan memeriksa Laporan Keuangan Bank untuk tahun buku firm to audit the Bank’s Financial Statements for the
2023 dan persetujuan penetapan besarnya honorarium financial year 2023 and approval of the determination of the
akuntan publik dan syarat lain dalam penujukan tersebut; honorarium of the public accountant and other terms of the
appointment;
5. Laporan pertanggungjawaban realisasi penggunaan dana 5. Accountability report on the realization of the use of proceeds
hasil Penawaran Umum Terbatas (PUT) IV; serta from Limited Public Offering (PUT) IV; as well as
6. Persetujuan perubahan susunan pengurus Bank. 6. Approval of changes in the composition of the Bank’s
management.
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234 Laporan Tahunan 2023
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Keputusan dan Realisasi RUPS Tahunan
Resolutions and Realization of the Annual GMS
Mata Acara 1
Agenda – Item 1
Keputusan a. Menerima dengan baik dan menyetujui Laporan Tahunan Perseroan untuk tahun buku yang berakhir pada tanggal
Resolutions 31 Desember 2022, termasuk Laporan Direksi dan Laporan Tugas Pengawasan Dewan Komisaris Bank.
b. Menerima dengan baik dan menyetujui serta mengesahkan Laporan Keuangan Bank untuk tahun buku yang berakhir
pada tanggal 31 Desember 2022 yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Sungkoro & Surja (a member
firm of Ernst & Young) dengan opini audit tanpa modifikasian (dahulu wajar tanpa pengecualian) sesuai dengan Laporan
No. 00474/2.1032/AU.1/07/1681-3/1/III/2023, tanggal 30 Maret 2023. Dengan demikian, membebaskan anggota
Direksi dan Dewan Komisaris Perseroan dari tanggung jawab dan segala tanggungan (acquit et de charge) atas tindakan
pengurusan dan pengawasan yang Direksi dan Dewan Komisaris jalankan selama tahun buku 2022, sepanjang tindakan-
tindakan mereka tercantum dalam neraca dan laporan laba rugi Perseroan tahun buku 2022.
a. Accepted and approved the Bank’s Annual Report for the financial year ending December 31, 2022, including the Board
of Directors’ Report and the Bank’s Board of Commissioners’ Supervisory Report.
b. Accepted, approved, and ratified the Bank’s Financial Statements for the financial year ending December 31, 2022, which
have been audited by the Public Accounting Firm Purwantono, Sungkoro & Surja (a member firm of Ernst & Young) with
an Unmodified Audit Opinion (formerly Unqualified) in accordance with Report No. 00474/2.1032/AU.1/07/1681-3/1/
III/2023, dated March 30, 2023. Thus, releasing members of the Bank’s Board of Commissioners and Board of Directors
from responsibility and all liabilities (acquit et de charge) on the supervisory and management actions carried out by the
Board of Commissioners and the Board of Directors during the 2022 financial year, provided that their actions are listed
in the Bank’s Balance Sheet and Profit and Loss for the 2022 financial year.
Hasil Pemungutan Suara Disetujui oleh 100% Pemegang Saham yang hadir.
Voting Results Approved by 100% of Shareholders present.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 2
Agenda – Item 2
Keputusan Menyetujui dan menetapkan penggunaan laba bersih Bank untuk tahun buku yang berakhir pada tanggal 31 Desember
Resolutions 2022, akan digunakan untuk pengembangan usaha Bank dengan rincian sebagai berikut.
a. Sebesar Rp31.409.485.087,- dibukukan sebagai pembentukan dana cadangan umum, guna memenuhi ketentuan Pasal
70 Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan Pasal 21 Anggaran Dasar Perseroan; serta
b. Sisanya sebesar Rp125.637.940.346,- akan dibukukan sebagai laba ditahan.
Approved and appropriated the use of the Bank’s net income for the financial year ending December 31, 2022, which will
be used for the Bank’s business development, with the following details.
a. An amount of Rp31,409,485,087 will be recorded as a general reserve, in order to comply with the provisions of Article
70 of Law No. 40 of 2007 on Limited Liability Companies and Article 21 of the Bank’s Articles of Association; and
b. The remaining amount of Rp125,637,940,346 will be recorded as retained earnings. Thus, the Bank does not distribute
dividends to Shareholders for the 2021 financial year.
Hasil Pemungutan Suara Disetujui oleh 100% Pemegang Saham yang hadir.
Voting Results Approved by 100% of Shareholders present.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 3
Agenda – Item 3
Keputusan a. Menyetujui memberi kuasa dan wewenang kepada wakil Pemegang Saham Bank, yaitu PT Indolife Pensiontama untuk
Resolutions menetapkan besarnya honorarium anggota Dewan Komisaris untuk tahun 2023; serta
b. Melimpahkan wewenang kepada Dewan Komisaris Bank untuk menetapkan besar gaji dan tunjangan para anggota
Direksi untuk tahun 2023.
a. Approved to give power and authority to representatives of the Bank’s Shareholders, namely PT Indolife Pensiontama, to
determine the honorarium amount for members of the Board of Commissioners for 2023; and
b. To delegate authority to the Bank’s Board of Commissioners to determine the amount of salaries and allowances for
members of the Board of Directors for 2023.
Hasil Pemungutan Suara Disetujui oleh 100% Pemegang Saham yang hadir.
Voting Results Approved by 100% of Shareholders present.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
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2023 Annual Report 235
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Tata Kelola Perusahaan
Corporate Governance
Mata Acara 4
Agenda – Item 4
Keputusan Menyetujui pelimpahan wewenang dan pemberian kuasa kepada Dewan Komisaris untuk menunjuk akuntan publik dan/
Resolutions atau kantor akuntan publik yang akan memeriksa Laporan Keuangan Bank untuk tahun buku 2023, oleh karena sedang
dipertimbangkan dan dievaluasi untuk penunjukan akuntan publik dan/atau kantor akuntan publik lebih lanjut, dengan
memperhatikan rekomendasi dari Komite Audit, serta menetapkan honorarium akuntan publik dan/atau kantor akuntan
publik tersebut serta persyaratan lain penunjukannya, termasuk pemberhentian maupun menunjuk penggantinya.
Approved the delegation of authority and granting of power to the Board of Commissioners to appoint a public accountant
and/or public accounting firm that will audit the Bank’s Financial Statements for the 2023 financial year, due to under
consideration and evaluation for further appointment of a public accountant and/or public accounting firm, by considering
recommendations from the Audit Committee, as well as determining the honorarium for the public accountant and/or
public accounting firm as well as other requirements for the appointment, including dismissal or appointing a replacement.
Hasil Pemungutan Suara Disetujui oleh 99,99% Pemegang Saham yang hadir.
Voting Results Approved by 99.99% of Shareholders present.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 5
Agenda – Item 5
Keputusan Mata acara ini bersifat laporan dan tidak memerlukan persetujuan rapat.
Resolutions This agenda item is a report and does not require meeting resolution.
Hasil Pemungutan Suara
-
Voting Results
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 6
Agenda – Item 6
Keputusan a. Menyetujui dan mengangkat Bapak Yandy Ramadhani sebagai Direktur Perseroan, berlaku efektif terhitung sejak diperolehnya
Resolutions persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatutan (fit and proper test) dan memenuhi peraturan
dan perundang-undangan yang berlaku sampai dengan ditutupnya RUPS Tahunan Perseroan yang akan diselenggarakan pada
tahun 2024, dengan tidak mengurangi hak RUPS untuk memberhentikannya sewaktu-waktu. Pengangkatan tersebut menjadi
batal apabila yang bersangkutan tidak mendapat persetujuan atas penilaian kemampuan dan kepatutan (fit and proper test) dari
Otoritas Jasa Keuangan, dan untuk itu tidak diperlukan keputusan dari RUPS Perseroan kembali.
b. Menetapkan susunan Direksi dan Dewan Komisaris Bank sebagai berikut.
Dewan Komisaris
Komisaris UtamaKomisaris Independen : Inawaty Handojo
Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi*)
Wakil Direktur Utama : Yulius Purnama Junaedi*)
Direktur : Kiung Hui Ngo
Direktur Manajemen Risiko dan Kepatuhan : Adhiputra Tanoyo
Direktur : Yandy Ramadhani*)
*)
masih dalam proses fit and proper test
c. Memberi kuasa kepada Direksi, dengan hak substitusi, baik sendiri-sendiri maupun bersama-sama, untuk melakukan
segala tindakan yang diperlukan sehubungan dengan pengangkatan anggota Direksi Bank, termasuk namun tidak
terbatas untuk menuangkanmenyatakan keputusan mengenai susunan anggota Direksi dalam akta-akta yang dibuat di
hadapan Notaris, termasuk menuangkanmenyatakan susunan Direksi dan Dewan Komisaris Bank, setelah memperoleh
persetujuan atas penilaian kemampuan dan kepatutan (fit and proper) dari Otoritas Jasa Keuangan, dan selanjutnya
memberitahukannya pada pihak yang berwenang, serta melakukan semua dan setiap tindakan yang diperlukan
sehubungan dengan keputusan tersebut sesuai peraturan perundangan yang berlaku.
a. Approved and appointed Mr. Yandy Ramadhani as Director of the Company, effective from the date of obtaining approval
from the Financial Services Authority for the fit and proper test and compliance with applicable laws and regulations until
the closing of the Company’s Annual GMS which will be held in 2024, without prejudice to the GMS’s right to dismiss at
any time. The appointment will be canceled if the person concerned does not receive approval for the fit and proper test
from the Financial Services Authority, and for this reason a decision from the Company’s GMS is not required.
b. Determined the composition of the Bank’s Board of Directors and Board of Commissioners as follows.
Board of Commissioners
President Commissioner/Independent Commissioner : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi*)
Vice President Director : Yulius Purnama Junaedi*)
Director : Kiung Hui Ngo
Director Risk Management and Compliance : Adhiputra Tanoyo
Director : Yandy Ramadhani*)
*)
still in the process of fit and proper test.
PT Bank Ina Perdana Tbk
236 Laporan Tahunan 2023
Page 239
c. Authorized the Board of Directors, with substitution right, either individually or jointly, to take all necessary actions in
connection with the appointment of members of the Bank’s Board of Directors, including but not limited to declaring/stating
resolution regarding the composition of the Board of Directors’ members in deeds drawn up before a Notary, including
declaring/stating the composition of the Bank’s Board of Directors and Board of Commissioners, after obtaining approval for
the fit and proper test from the Financial Services Authority, and subsequently notifying it to the competent authorities, as well
as taking all and any necessary actions in connection with this resolution in accordance with applicable laws and regulations.
Hasil Pemungutan Suara Disetujui oleh 100% Pemegang Saham yang hadir.
Voting Results Approved by 100% of Shareholders present.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Agenda RUPS Luar Biasa 9 Januari 2023 Agenda for Extraordinary GMS dated
January 9 2023
Persetujuan perubahan anggota Direksi Bank sehubungan dengan Approval of changes in the members of the Bank’s Board of Directors
pengunduran diri anggota Direksi dan pengangkatan anggota related to the resignation of members of the Board of Directors and
Direksi. the appointment of members of the Board of Directors.
Keputusan dan Realisasi RUPS Luar Biasa 9 Januari 2023
Resolutions and Realization of Extraordinary GMS dated January 9, 2023
Mata Acara Tunggal
Single Agenda
Keputusan a. Menyetujui pengangkatan anggota Direksi baru, terhitung sejak ditutupnya rapat ini sampai dengan penutupan
Resolutions RUPS Tahunan Perseroan yang diadakan pada tahun 2024, sehingga susunan anggota Direksi dan Dewan Komisaris
Bank menjadi sebagai berikut.
Dewan Komisaris
Komisaris Utama Komisaris Independen : Inawaty Handojo
KomisarisKomisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Daniel Budirahayu
Direktur : Kiung Hui Ngo
Direktur : Yulius Purnama Junaedi
Direktur : Henry Koenaifi
Direktur Manajemen Risiko dan Kepatuhan : Adhiputra Tanoyo
Pengangkatan kembali anggota Direksi dan Dewan Komisaris Bank terhitung sejak ditutupnya rapat ini sampai
dengan penutupan RUPS Tahunan Perseroan yang diadakan pada tahun 2024;
b. Menyetujui dan menerima dengan baik pengunduran diri Bapak Budijanto Soedarpo dari jabatannya sebagai
Direktur Bank yang berlaku efektif sejak ditutupnya rapat ini; serta
c. Menyetujui mengangkat Bapak Henry Koenaifi selaku Direktur Bank berlaku efektif terhitung sejak diperolehnya
persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatutan (fit and proper test) dan
memenuhi peraturan perundang-undangan yang berlaku.
a. Approved the appointment of new members of the Board of Directors, starting from the closing of this meeting
until the closing of the Company’s Annual GMS which will be held in 2024, and thus, the composition of the Bank’s
Board of Directors and Board of Commissioners will be as follows.
Board of Commissioners
President Commissioner/Independent Commissioner : Inawaty Handojo
Commissioner/Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Daniel Budirahayu
Director : Kiung Hui Ngo
Director : Yulius Purnama Junaedi
Director : Henry Koenaifi
Director Risk Management and Compliancer : Adhiputra Tanoyo
Reappointment of members of the Bank’s Board of Directors and Board of Commissioners starting from the closing
of this meeting until the closing of the Company’s Annual GMS to be held in 2024;
b. Approved and accepted the resignation of Mr. Budijanto Soedarpo from his position as Director of the Bank which
is effective from the closing of this meeting; and
c. Approved to appoint Mr. Henry Koenaifi as Director of the Bank effective as of obtaining approval from the
Financial Services Authority for the fit and proper test and compliance with applicable laws and regulations.
Hasil Pemungutan Suara Disetujui oleh 99,99% Pemegang Saham yang hadir.
Voting Results Approved by 99.99% of Shareholders present.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
PT Bank Ina Perdana Tbk
2023 Annual Report 237
Page 240
Tata Kelola Perusahaan
Corporate Governance
Agenda RUPS Luar Biasa 19 Mei 2023 Agenda for Extraordinary GMS May 19 2023
1. Persetujuan perubahan Anggaran Dasar Bank; serta 1. Approval of amendments to the Bank’s Articles of Association;
and
2. Persetujuan pengangkatan kembali/perubahan susunan 2. Approval of reappointment/change in the composition of the
Direksi Bank. Bank’s Board of Directors.
Mata Acara 1
Agenda – Item 1
Keputusan Menyetujui perubahan Anggaran Dasar mengenai perubahan pada Pasal 5, Pasal 13, Pasal 14, Pasal 15, Pasal 16, Pasal 18,
Resolutions dan Pasal 19 Anggaran Dasar Bank.
Approved amendments to the Articles of Association for Article 5, Article 13, Article 14, Article 15, Article 16, Article 18, and
Article 19 of the Bank’s Articles of Association.
Hasil Pemungutan Suara Disetujui oleh 100% Pemegang Saham yang hadir.
Voting Results Approved by 100% of Shareholders present.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 2
Agenda – Item 2
Keputusan a. Menyetujui pengangkatan Bapak Henry Koenaifi sebagai Direktur Utama dan Bapak Yulius Purnama Junaedi sebagai
Resolutions Wakil Direktur Utama, dan berlaku efektif terhitung sejak diperolehnya persetujuan dari Otoritas Jasa Keuangan atas
penilaian kemampuan dan kepatutan (fit and proper test) dan memenuhi peraturan perundang-undangan yang berlaku
dan selambat-lambatnya 5 hari kerja setelah diperolehnya persetujuan dari Otoritas Jasa Keuangan atas penilaian
kemampuan dan kepatutan (fit and proper test) dan memenuhi peraturan perundang-undangan yang berlaku serta
dengan memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi tertanggal 17 April 2023 yang mengusulkan
untuk mengangkat anggota Direksi baru dengan masa jabatan sampai dengan ditutupnya RUPS Tahunan Bank yang
akan diselenggarakan pada tahun 2024, serta menyetujui pemberhentian dengan hormat Bapak Henry Koenaifi dari
posisinya sebagai Direktur Bank dan pemberhentian dengan hormat Bapak Yulius Purnama Junaedi dari posisinya sebagai
Direktur Bank serta dengan ketentuan apabila pengangkatan Bapak Henry Koenaifi sebagai Direktur Utama Bank dan
pengangkatan Bapak Yulius Purnama Junaedi sebagai Wakil Direktur Utama Perseroan tidak disetujui oleh Otoritas Jasa
Keuangan, maka pengangkatan Bapak Henry Koenaifi sebagai Direktur Utama dan pengangkatan Bapak Yulius Purnama
Junaedi sebagai Wakil Direktur Utama Bank menjadi batal tanpa perlu pembatalan lagi oleh RUPS Bank dan Bapak Henry
Koenaifi dan Bapak Yulius Purnama Junaedi akan tetap menjabat sebagai Direktur Bank sampai dengan ditutupnya RUPS
Tahunan Bank yang akan diselenggarakan pada tahun 2024;
Approved the appointment of Mr. Henry Koenaifi as President Director and Mr. Yulius Purnama Junaedi as Vice President
Director, and effective as of obtaining approval from the Financial Services Authority for the fit and proper test and compliance
with applicable laws and regulations and no later than 5 working days after obtaining approval from the Financial Services
Authority for the fit and proper test and compliance with applicable laws and regulations and by considering recommendations
from the Remuneration and Nomination Committee dated April 17, 2023, which proposed to appoint members of the Board of
Directors with a new term of office until the closing of the Bank’s Annual GMS which will be held in 2024, as well as approving
the honorable dismissal of Mr. Henry Koenaifi from his position as the Bank’s Director and the honorable dismissal of Mr. Yulius
Purnama Junaedi from his position as the Bank’s Director and with the conditions for the appointment of Mr. Henry Koenaifi as
President Director of the Bank and the appointment of Mr. Yulius Purnama Junaedi as Vice President Director of the Company
were not approved by the Financial Services Authority, and therefore, the appointment of Mr. Henry Koenaifi as President
Director and the appointment of Mr. Yulius Purnama Junaedi as Vice President Director of the Bank were canceled without
the need for further resolution by the GMS and Mr. Henry Koenaifi and Mr. Yulius Purnama Junaedi will continue to serve as
Directors of the Bank until the closing of the Bank’s Annual GMS which will be held in 2024;
b. Menegaskan susunan anggota Direksi dan Dewan Komisaris Bank terhitung setelah efektifnya perubahan tersebut sampai
dengan penutupan RUPS Tahunan Bank yang akan diadakan pada tahun 2024 menjadi sebagai berikut.
Dewan Komisaris
Komisaris Utama Komisaris Independen : Inawaty Handojo
KomisarisKomisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Henry Koenaifi
Wakil Direktur Utama : Yulius Purnama Junaedi
Direktur : Kiung Hui Ngo
Direktur Manajemen Risiko dan Kepatuhan : Adhiputra Tanoyo
b. Affirned the composition of the Bank’s Board of Directors and Board of Commissioners as of the effectiveness of these
changes until the closing of the Bank’s Annual GMS which will be held in 2024 as follows.
Board of Commissioners
President Commissioner/Independent Commissioner : Inawaty Handojo
Commissioner/Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Henry Koenaifi
Vice President Director : Yulius Purnama Junaedi
Director : Kiung Hui Ngo
Director Risk Management and Compliance : Adhiputra Tanoyo
PT Bank Ina Perdana Tbk
238 Laporan Tahunan 2023
Page 241
c. Memberikan kuasa dan wewenang kepada Direksi Bank, dengan hak substitusi untuk menuangkan keputusan tentang
susunan anggota Direksi setelah memperoleh surat persetujuan dari Otoritas Jasa Keuangan terkait keputusan rapat
tersebut di atas dalam akta yang dibuat dihadapan Notaris, dan selanjutnya menyampaikan pemberitahuan pada pihak
yang berwenang, serta melakukan semua dan setiap tindakan yang diperlukan sehubungan dengan keputusan tersebut
sesuai dengan peraturan perundang-undangan yang berlaku.
Granted power and authority to the Bank’s Board of Directors, with the substitution right to declare resolution on the composition
of the Board of Directors after obtaining approval from the Financial Services Authority regarding the above meeting resolution
in a deed made before a Notary, and then provide notification to the authorized parties, as well as carry out all and any actions
required in connection with the resolution are in accordance with applicable laws and regulations.
Hasil Pemungutan
Disetujui oleh 100% Pemegang Saham yang hadir.
Suara
Approved by 100% of Shareholders present.
Voting Results
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Keputusan dan Realisasi atas Keputusan Resolutions and Realization of the
RUPS Tahun dan Luar Biasa 2022 2022 Annual and Extraordinary GMS
Resolutions
RUPS Tahunan 3 Juni 2022
Annual GMS dated June 3, 2022
Mata Acara 1
Agenda – Item 1
Keputusan a. Menerima dengan baik dan menyetujui Laporan Tahunan Bank untuk tahun buku yang berakhir pada tanggal 31 Desember
Resolutions 2021, termasuk Laporan Direksi dan Laporan Tugas Pengawasan Dewan Komisaris Bank; serta
b. Menerima dengan baik dan menyetujui serta mengesahkan Laporan Keuangan Bank untuk tahun buku yang berakhir
pada tanggal 31 Desember 2021 yang telah diaudit oleh Kantor Akuntan Publik Purwantono, Sungkoro & Surja (a member
firm of Ernst & Young) dengan opini Audit Tanpa Modifikasian (dahulu Wajar Tanpa Pengecualian) sesuai dengan Laporan
No. 00414/2.1032/AU.1/07/1681-2/1/III/2022, tanggal 31 Maret 2022. Dengan demikian, membebaskan anggota Dewan
Komisaris dan Direksi Bank dari tanggung jawab dan segala tanggungan (acquit et de charge) atas tindakan pengawasan
dan pengurusan yang Dewan Komisaris dan Direksi jalankan selama tahun buku 2021, sepanjang tindakan-tindakan mereka
tercantum dalam Neraca dan Laporan Laba Rugi Bank tahun buku 2021.
a. Accepted and approved the Bank’s Annual Report for the financial year ending December 31, 2021, including the Board of Directors’
Report and the Bank’s Board of Commissioners’ Supervisory Report; and
b. Accepted, approved, and ratified the Bank’s Financial Statements for the financial year ending December 31, 2021, which have been
audited by the Public Accounting Firm Purwantono, Sungkoro & Surja (a member firm of Ernst & Young) with an Unmodified Audit
Opinion (formerly Unqualified) in accordance with Report No. 00414/2.1032/AU.1/07/1681-2/1/III/2022, dated March 31, 2022.
Thus, releasing members of the Bank’s Board of Commissioners and Board of Directors from responsibility and all liabilities (acquit et
de charge) on the supervisory and management actions carried out by the Board of Commissioners and the Board of Directors during
the 2021 financial year, provided
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 2
Agenda – Item 2
Keputusan Menyetujui dan menetapkan penggunaan laba bersih Bank untuk tahun buku yang berakhir pada tanggal 31 Desember 2021
Resolutions sebesar Rp39.748.952.931,-, akan digunakan untuk pengembangan usaha Bank, dengan rincian sebagai berikut.
a. Sebesar Rp7.949.790.586,- akan dibukukan sebagai dana cadangan umum, guna memenuhi ketentuan Pasal 70 Undang-
Undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan Pasal 21 Anggaran Dasar Bank; serta
b. Sisanya sebesar Rp31.799.162.345,-, akan dibukukan sebagai laba ditahan.
Dengan demikian, Bank tidak memberikan dividen kepada para Pemegang Saham untuk tahun buku 2021.
Approved and appropriated the use of the Bank’s net income for the financial year ending December 31, 2021 in the amount of
Rp39,748,952,931, which will be used for the Bank’s business development, with the following details.
a. An amount of Rp7,949,790,586 will be recorded as a general reserve, in order to comply with the provisions of Article 70 of Law
No. 40 of 2007 on Limited Liability Companies and Article 21 of the Bank’s Articles of Association; and
b. The remaining amount of Rp31,799,162,345 will be recorded as retained earnings.
Thus, the Bank does not distribute dividends to Shareholders for the 2021 financial year.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
PT Bank Ina Perdana Tbk
2023 Annual Report 239
Page 242
Tata Kelola Perusahaan
Corporate Governance
Mata Acara 3
Agenda – Item 3
Keputusan Menyetujui memberi kuasa dan wewenang kepada wakil Pemegang Saham Bank, yaitu PT Indolife Pensiontama untuk menetapkan
Resolutions besarnya honorarium anggota Dewan Komisaris untuk tahun 2022 dan melimpahkan wewenang kepada Dewan Komisaris Bank
untuk menetapkan besar gaji dan tunjangan para anggota Direksi untuk tahun 2022.
Approved to give power and authority to representatives of the Bank’s Shareholders, namely PT Indolife Pensiontama, to determine
the honorarium amount for members of the Board of Commissioners for 2022 and to delegate authority to the Bank’s Board of
Commissioners to determine the amount of salaries and allowances for members of the Board of Directors for 2022.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 4
Agenda – Item 4
Keputusan Menyetujui melimpahkan wewenang dan memberikan kuasa kepada Dewan Komisaris Bank untuk menunjuk akuntan publik dan
Resolutions kantor akuntan publik, serta menetapkan honorarium akuntan publik tersebut serta persyaratan lain penunjukannya.
Approved the delegation of authority and power to the Bank’s Board of Commissioners to appoint a public accountant and public
accounting firm, and to determine the honorarium of the said public accountant and other terms of appointment.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 5
Agenda – Item 5
Keputusan Dalam RUPS telah dilaporkan Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Terbatas III (PUT III) sebesar
Resolutions Rp1.187.418.750.000,-, setelah dikurangi biaya-biaya yang berhubungan dengan PUT III sebesar Rp3.317.148.705,-, maka
Bank memperoleh dana sebesar Rp1.184.101.601.295,-. Dana tersebut akan digunakan seluruhnya untuk modal kerja terkait
pelaksanaan kegiatan operasional serta pengembangan usaha Bank sebagaimana tertuang dalam prospektus.
Laporan realisasi penggunaan dana telah disampaikan oleh Bank kepada Otoritas Jasa Keuangan dengan Surat No. OJK/DIR/005/0122
tanggal 17 Januari 2022, yang juga diunggah dalam situs web PT Bursa Efek Indonesia dan Otoritas Jasa Keuangan.
The GMS has reported the Realization Report on the Use of Proceeds from Limited Public Offering III (PUT III) of Rp1,187,418,750,000,
after deducting costs related to PUT III of Rp3,317,148,705, and thus, the Bank obtains proceeds of Rp1,184,101,601,295. The
proceeds will be used entirely for working capital related to the implementation of operational activities and business development
of the Bank as stated in the prospectus.
The realization report on the use of proceeds has been submitted by the Bank to the Financial Services Authority under Letter
No. OJK/DIR/005/0122 dated January 17, 2022, which was also uploaded on the websites of Indonesia Stock Exchange and
Financial Services Authority.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 6
Agenda – Item 6
Keputusan a. Menyetujui mengangkat kembali anggota Dewan Komisaris dan Direksi Bank untuk masa jabatan selama 2 tahun ke depan,
Resolutions yaitu sampai dengan ditutupnya RUPS Tahunan yang akan diselenggarakan pada tahun 2024, dengan tidak mengurangi hak
RUPS untuk memberhentikannya sewaktu-waktu. Dengan susunan anggota Dewan Komisaris dan Direksi Bank sebagai berikut.
Dewan Komisaris
Komisaris Utama/Komisaris Independen : Inawaty Handojo
Komisaris/ Komisaris Independen : Yohanes Santoso Wibowo
Komisaris : Josavia Rachman Ichwan
Direksi
Direktur Utama : Daniel Budirahayu
Direktur : Kiung Hui Ngo
Direktur : Budijanto Soedarpo
Direktur : Yulius Purnama Junaedi
Direktur Manajemen Risiko dan Kepatuhan : Adhiputra Tanoyo
b. Memberikan kuasa kepada Direksi Bank untuk melakukan segala tindakan yang diperlukan sehubungan dengan pengangkatan
kembali anggota Dewan Komisaris dan Direksi Bank sesuai peraturan perundangan-undangan yang berlaku.
a. Approved the reappointment of members of the Bank’s Board of Commissioners and Board of Directors for a term of office of
the next 2 years, until the closing of the Annual GMS to be held in 2024, without prejudice to the GMS right to dismiss them at
any time. The composition of the Board of Commissioners and the Board of Directors of the Bank is as follows.
Board of Commissioners
President Commissioner/Independent Commissioner : Inawaty Handojo
Independent Commissioner : Yohanes Santoso Wibowo
Commissioner : Josavia Rachman Ichwan
Board of Directors
President Director : Daniel Budirahayu
Director : Kiung Hui Ngo
Director : Budijanto Soedarpo
Director : Yulius Purnama Junaedi
Director Risk Management and Compliance : Adhiputra Tanoyo
b. Granted power to the Board of Directors of the Bank to take all necessary actions in connection with the reappointment of members
of the Board of Commissioners and Board of Directors of the Bank in accordance with the applicable laws and regulations.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
PT Bank Ina Perdana Tbk
240 Laporan Tahunan 2023
Page 243
RUPS Luar Biasa 3 Juni 2022
Extraordinary GMS 3 June 2022
Mata Acara 1
Agenda – Item 1
Keputusan Menyetujui penambahan modal Bank dengan Hak Memesan Efek Terlebih Dahulu (HMETD) dengan penerbitan sebanyak-
Resolutions banyaknya 2.000.000.000 saham dengan nilai nominal Rp100,-, per saham setelah terlaksananya penambahan modal dengan
HMETD, dengan memperhatikan Peraturan Otoritas Jasa Keuangan No. 32/POJK.04/2015 tentang Penambahan Modal Perusahaan
Terbuka Dengan Memberikan Hak Memesan Efek Terlebih Dahulu dan Peraturan Otoritas Jasa Keuangan No. 14/POJK.04/2019
tentang Perubahan Atas Peraturan Otoritas Jasa Keuangan No. 32/POJK.04/2015 tentang Penambahan Modal Perusahaan Terbuka
dengan Memberikan Hak Memesan Efek Terlebih Dahulu, termasuk:
a. Menyetujui memberi wewenang dan kuasa kepada Dewan Komisaris Bank untuk mengeluarkan saham baru Bank dan
melakukan peningkatan modal disetor dan ditempatkan Bank terkait dengan pelaksanaan melalui Penawaran Umum Terbatas
(PUT IV) serta untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan HMETD tersebut, menyatakan
dalam akta notaris mengenai peningkatan modal dasar dan ditempatkan serta disetor Bank sebagai realisasi pengeluaran saham
melalui PUT IV dan menyatakan komposisi kepemilikan saham terakhir setelah proses PUT IV selesai dilaksanakan; serta
b. Menyetujui memberi wewenang dan kuasa kepada Direksi Bank dengan persetujuan Dewan Komisaris Bank untuk menentukan
rasio dan harga pelaksanaan HMETD, penggunaan dana, dan/atau melakukan penyesuaian, membuat, menandatangani, dan
melaksanakan dokumentasi-dokumentasi terkait pelaksanaan PUT IV, menyampaikan pernyataan pendaftaran, melakukan
keterbukaan informasi dan pengumuman-pengumuman, menyatakan dokumen-dokumen yang diperlukan di dalam akta
notaris (apabila perlu) dan/atau melakukan seluruh tindakan yang dianggap perlu sehubungan dengan pelaksanaan PUT IV
dengan tunduk pada peraturan perundang-undangan yang berlaku.
Approved the capital increase with Pre-emptive Rights (HMETD) by issuing a maximum of 2,000,000,000 shares with a nominal
value of Rp100 per share after the capital increase with Preemptive Rights, by observing Financial Services Authority Regulation
No. 32/POJK.04/2015 on Capital Increase for Public Companies with Pre-emptive Rights and Financial Services Authority Regulation
No. 14/POJK.04/2019 on Amendments to Financial Services Authority Regulation No. 32/POJK.04/2015 on Capital Increase with
Pre-emptive Rights for Public Companies, including:
a. Approved the authority and power to the Board of Commissioners of the Bank to issue new shares of the Bank and increase
the paid-up and issued capital of the Bank related to the implementation of a Limited Public Offering (PUT IV) and to take all
necessary actions in connection with the exercise of the HMETD, to state in the notary deed regarding the increase in authorized
and issued and paid-up capital by the Bank as the realization of issuance of shares through PUT IV and to state the composition
of the final share ownership after the PUT IV process has been completed; and
b. Approved the authority and power to the Board of Directors of the Bank with the approval of the Board of Commissioners of
the Bank to determine the ratio and exercise price of HMETD, use of proceeds, and/or make adjustments, prepare, sign, and
carry out documentations related to the execution of PUT IV, submit registration statements, conduct information disclosure
and announcements, state the required documents in a notarial deed (if necessary) and/or take all actions deemed necessary in
connection with the execution of PUT IV subject to the applicable laws and regulations.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
Mata Acara 2
Agenda – Item 2
Keputusan a. Menyetujui perubahan Pasal 3 Anggaran Dasar Bank tentang maksud dan tujuan serta kegiatan usaha dalam rangka penyesuaian
Resolutions dengan Klasifikasi Baku Lapangan Usaha Indonesia Tahun 2020; serta
b. Menyetujui memberi kuasa kepada Direksi Bank untuk melakukan segala tindakan yang diperlukan sehubungan dengan
perubahan Pasal 3 Anggaran Dasar Bank sesuai dengan peraturan perundangan-undangan yang berlaku.
a. Approved the amendment to Article 3 of the Bank’s Articles of Association on the purposes and objectives and business activities
in order to conform with the 2020 Indonesian Standard Classification of Business Fields; and
b. Authorized the Bank’s Board of Directors to take all necessary actions in relation to the amendment to Article 3 of the Bank’s
Articles of Association in accordance with applicable laws and regulations.
Realisasi Telah direalisasikan sepenuhnya.
Realization Has been fully realized.
PT Bank Ina Perdana Tbk
2023 Annual Report 241
Page 244
Tata Kelola Perusahaan
Corporate Governance
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ utama Bank yang The Board of Commissioners is the Bank’s main organ that
menjalankan tugas dan tanggung jawab sebagai pengawas carries out duties and responsibilities as a supervisor of the Bank’s
kebijakan dan proses manajemen Bank, mengawasi kinerja management policies and processes, oversees the performance of
Direksi, memberikan saran dan nasihat kepada Direksi, serta turut the Board of Directors, provides advice and counsel to the Board
mengawasi penerapan GCG Bank. of Directors, and oversees the Bank’s GCG implementation.
Pedoman Kerja Charter
Pedoman kerja Dewan Komisaris Bank Ina merujuk pada Pedoman The Charter of the Board of Commissioners of Bank Ina refers to the
Penerapan Tata Kelola No. COM/001/01/0319 tertanggal Implementation Guidelines of Governance No. COM/001/01/0319
29 Maret 2019. dated March 29, 2019.
Jumlah, Komposisi, dan Independensi Number, Composition, and Independency
Jumlah Number
Per 31 Desember 2023, jumlah anggota Dewan Komisaris terdiri As of December 31, 2023, the number of members of the Board of
dari 3 orang. Jumlah tersebut tidak melampaui jumlah anggota Commissioners consists of 3 people. This number does not exceed
Direksi Bank, sehingga jumlah tersebut telah memenuhi Peraturan the number of members of the Bank’s Board of Directors, thus,
Otoritas Jasa Keuangan. the number has complied with the Financial Services Authority
Regulation.
Komposisi Composition
Dewan Komisaris Bank terdiri dari Komisaris Utama, Komisaris The Board of Commissioners consists of the President Commissioner,
Independen, dan Komisaris yang diangkat dan diberhentikan Independent Commissioner, and Commissioners who are appointed
melalui RUPS. Bank senantiasa memastikan bahwa anggota and dismissed through the GMS. The Bank always ensures that
Dewan Komisaris yang diangkat telah memenuhi kriteria sebagai the appointed members of the Board of Commissioners have
Dewan Komisaris seperti yang disampaikan dalam Anggaran met the criteria as the Board of Commissioners as stated in the
Dasar Bank dan Pedoman Penerapan Tata Kelola Bank, serta telah Bank’s Articles of Association and the Bank’s Corporate Governance
lulus dalam uji kemampuan dan kepatutan (fit and proper test) Implementation Guidelines, and have passed the fit and proper test
dari Otoritas Jasa Keuangan. from the Financial Services Authority.
Pada tahun buku 2023, komposisi Dewan Komisaris Bank As of financial year 2023, the composition of the Bank’s Board of
diungkapkan sebagai berikut. Commissioners is disclosed as follows.
Dasar Hukum Akhir Periode
Nama Jabatan Pengangkatan Persetujuan Otoritas Jasa Keuangan Jabatan
Name Position Legal Basis of Approval from Financial Services Authority End of Term of
Appointment Office
Inawaty Komisaris Utama/ • Akta RUPS Luar Biasa No. 07 Keputusan Deputi Komisioner Pengawas Perbankan I Sampai dengan
Handojo Komisaris Independen tanggal 16 Juni 2021; serta Otoritas Jasa Keuangan No. Kep-57/PB.1/2021 tanggal ditutupnya RUPS
President/ Independent • Akta RUPS Tahunan No. 03 6 September 2021. Tahunan 2024.
Commissioner tanggal 3 Juni 2022. Decree of the Deputy Commissioner of Banking Until the closing of
• Deed of Extraordinary GMS Supervision I of the Financial Services Authority the Annual GMS in
No. 07 dated June 16, 2021; No. Kep-57/PB.1/2021 dated September 6, 2021. 2024.
and
Yohanes Komisaris Independen Keputusan Deputi Komisioner Pengawas Perbankan I
• Deed of Annual GMS No. 03
Santoso Independent Otoritas Jasa Keuangan No. Kep-58/PB.1/2021 tanggal
dated June 3, 2022.
Wibowo Commissioner 6 September 2021.
Decree of the Deputy Commissioner of Banking
Supervision I of the Financial Services Authority
No. Kep-58/PB.1/2021 dated September 6, 2021.
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242 Laporan Tahunan 2023
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Dasar Hukum Akhir Periode
Nama Jabatan Pengangkatan Persetujuan Otoritas Jasa Keuangan Jabatan
Name Position Legal Basis of Approval from Financial Services Authority End of Term of
Appointment Office
Josavia Komisaris Keputusan Deputi Komisioner Pengawas Perbankan I
Rachman Commissioner Otoritas Jasa Keuangan No. Kep-59/PB.1/2021 tanggal
Ichwan 6 September 2021.
Decree of the Deputy Commissioner of Banking
Supervision I of the Financial Services Authority
No. Kep-59/PB.1/2021 dated September 6, 2021.
Independensi Independency
Seluruh anggota Dewan Komisaris Bank menjunjung tinggi All members of the Bank’s Board of Commissioners uphold
sikap independensi serta berupaya untuk melaksanakan tugas independence and strive to carry out their duties and
dan tanggung jawabnya secara profesional dan penuh kehati- responsibilities in a professional and prudent manner, in order to
hatian, agar mendukung terciptanya perkembangan bisnis yang support sustainable business development.
berkelanjutan.
Kebijakan Keberagaman Komposisi Composition Diversity Policy
Per 31 Desember 2023, Bank belum memiliki kebijakan tertulis As of December 31, 2023, the Bank does not yet have a written
mengenai keberagaman komposisi Dewan Komisaris. Akan policy regarding the diversity of the Board of Commissioners
tetapi, komposisi Dewan Komisaris Bank telah menunjukkan composition. However, the composition of the Bank’s Board of
keberagaman, baik dari pendidikan, pengalaman kerja, usia, serta Commissioners has shown diversity, in terms of education, work
jenis kelamin, yang dipaparkan sebagai berikut. experience, age, and gender, as described below.
Aspek Keberagaman Penjelasan
Diversity Aspect Explanation
Pendidikan Dewan Komisaris Bank mempunyai latar belakang pendidikan yang Komposisi Dewan Komisaris Bank Ina telah
Education beragam, yaitu S1 dan S2 dengan kompetensi di bidang akuntansi, memenuhi unsur keberagaman, yaitu
manajemen, ekonomi, perbankan dan keuangan, teknologi mineral/ perpaduan dari sisi pendidikan, pengalaman
perminyakan, serta manajemen keuangan. kerja, usia, dan jenis kelamin.
The Bank’s Board of Commissioners have diverse educational backgrounds, The composition of Bank Ina’s Board of
bachelor’s and master’s degrees with competencies in accounting, Commissioners has fulfilled the elements
management, economics, banking and finance, mineral/petroleum of diversity, in terms of education, work
technology, and financial management. experience, age, and gender.
Pengalaman Kerja Dewan Komisaris Bank mempunyai pengalaman kerja di berbagai bidang,
Work Experience baik di industri perbankan ataupun di luar industri perbankan.
The Bank’s Board of Commissioners has work experience in various fields,
both in the banking industry and outside the banking industry.
Usia Rata-rata usia Dewan Komisaris Bank, yaitu 60-71 tahun.
Age The average age of the Bank’s Board of Commissioners is 60-71 years old.
Jenis Kelamin Terdapat 1 orang anggota Dewan Komisaris berjenis kelamin wanita.
Gender There is 1 female member of the Board of Commissioners.
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2023 Annual Report 243
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Tata Kelola Perusahaan
Corporate Governance
Tugas dan Tanggung Jawab Duties and Responsibilities
Dewan Komisaris memiliki tugas dan tanggung jawab sebagai The Board of Commissioners has the following duties and
berikut: responsibilities:
1. Sebagai organ perusahaan, Dewan Komisaris secara kolektif 1. As a corporate organ, the Board of Commissioners collectively
telah melakukan pengawasan dan memberikan nasihat supervises and provides advice to the Board of Directors
kepada Direksi serta memastikan bahwa Bank melaksanakan and ensures that the Bank implements good governance. In
tata kelola yang baik. Dalam melakukan pengawasan, supervising, the Commissioners direct, monitor, and evaluate
Komisaris mengarahkan, memantau, dan mengevaluasi the implementation of the Bank’s strategic policies;
pelaksanaan kebijakan strategis Bank;
2. Dalam melaksanakan fungsinya sebagai pengawas dan 2. In performing its function as supervisor and adviser, the Board
penasihat, Dewan Komisaris tidak terlibat dalam mengambil of Commissioners is not involved in making decisions on
keputusan kegiatan operasional, kecuali dalam hal: operational activities, except in the case of:
a. Penyediaan dana kepada pihak terkait sebagaimana a. Provision of funds to related parties as stipulated in the
diatur alam ketentuan Bank Indonesia tentang Batas provisions of Bank Indonesia on Legal Lending Limit; and
Maksimum Pemberian Kredit; serta
b. Hal-hal lain yang ditetapkan peraturan perundangan b. Other matters stipulated by applicable laws and
yang berlaku; regulations;
3. Keterlibatan atau persetujuan Dewan Komisaris dalam 3. The involvement or approval of the Board of Commissioners
pengambilan keputusan kegiatan operasional merupakan in making decisions on operational activities is part of the
bagian dari tugas dan pengawasan Dewan Komisaris duties and supervision of the Board of Commissioners and
sehingga tidak meniadakan tanggung jawab Direksi dalam does not negate the responsibility of the Board of Directors
melaksanakan kepengurusan Bank. Tugas pengawasan oleh in managing the Bank. The supervisory task by the Board of
Dewan Komisaris tersebut merupakan upaya pengawasan Commissioners is an early monitoring effort that needs to be
dini yang perlu dilaksanakan; implemented;
4. Memastikan bahwa Direksi telah menindaklanjuti temuan 4. Ensuring that the Board of Directors has followed up on audit
audit dan rekomendasi dari SKAI Bank, auditor eksternal, findings and recommendations from the Bank’s SKAI, external
hasil pengawasan Otoritas Jasa Keuangan, dan/atau hasil auditors, supervision results of Financial Services Authority,
pengawasan Otoritas lainnya; serta and/or supervision results of other authorities; and
5. Menyampaikan Laporan Pengawasan Rencana Bisnis kepada 5. Submitting a Business Plan Supervision Report to the Financial
Otoritas Jasa Keuangan dengan tepat waktu. Services Authority in a timely manner.
Rekomendasi dan Pelaksanaan Tugas Recommendations and Implementation of
Duties
Di tahun 2023, Dewan Komisaris telah melaksanakan pengawasan In 2023, the Board of Commissioners supervised and provided
serta memberikan saran, rekomendasi, dan persetujuan terkait advice, recommendations and approvals related to the following
hal-hal berikut: matters:
1. Mengawasi tugas dan tanggung jawab dari masing-masing 1. Supervising the duties and responsibilities of each member of
Direksi; Board of Directors;
2. Mengawasi kinerja operasional dan kinerja keuangan Bank 2. Supervising Bank Ina’s operational performance and financial
Ina; performance;
3. Menyetujui kerangka kerja manajemen risiko dan tinjauan 3. Approving the risk management framework and portfolio
portofolio; review;
4. Mengkaji Laporan Kepatuhan dan Laporan Bisnis; 4. Reviewing Compliance Reports and Business Reports;
5. Menyetujui kredit kepada pihak terkait; 5. Approving credit to related parties;
6. Mengkaji dan menyetujui Rencana Bisnis dan Anggaran Tahunan; 6. Reviewing and approving the Annual Business Plan and Budget;
7. Mengkaji kecukupan sistem pengendalian internal; 7. Reviewing the adequacy of internal control system;
8. Mengawasi perkembangan tindak lanjut atas temuan audit 8. Supervising the development of follow-up on internal and
internal dan eksternal; external audit findings;
9. Menelaah Laporan Komite Audit, Laporan Komite Pemantau 9. Reviewing the Audit Committee Report, Risk Monitoring
Risiko, dan Laporan Komite Nominasi dan Remunerasi; serta Committee Report, and Nomination and Remuneration
Committee Report; and
10. Memutuskan penunjukan kantor akuntan publik dan/atau 10. Deciding on the appointment of a public accounting firm and/
akuntan publik yang akan bertugas mengaudit Laporan or public accountant to be tasked with auditing Bank Ina’s
Keuangan Bank Ina untuk tahun buku 2023. Financial Statements for the 2024 financial year.
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244 Laporan Tahunan 2023
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Rapat Meeting
Pelaksanaan rapat internal Dewan Komisaris wajib dilaksanakan Internal meetings of the Board of Commissioners must be held at
paling kurang 1 kali dalam 2 bulan dan dapat dilaksanakan sesuai least once every 2 months and can be held as needed by a member
kepentingan oleh salah seorang anggota Dewan Komisaris. of the Board of Commissioners. The Board of Commissioners may
Dewan Komisaris dapat mengundang Direksi untuk hadir dalam invite the Board of Directors to attend the meeting. Meetings of
rapat. Rapat Dewan Komisaris dinyatakan sah apabila dihadiri oleh the Board of Commissioners are valid if attended by the majority
mayoritas anggota Dewan Komisaris. Semua keputusan dalam of members of the Board of Commissioners. All decisions in
rapat diupayakan diambil dengan musyawarah untuk mufakat. the meeting are attempted to be made by deliberation for
Akan tetapi, jika tidak tercapai kata mufakat, maka pengambilan consensus. However, if consensus cannot be reached, then the
keputusan rapat dilakukan berdasarkan suara terbanyak. Adapun decision of the meeting shall be made based on a majority vote.
keputusan rapat tersebut bersifat mengikat bagi seluruh anggota The meeting decisions are binding for all members of the Board
Dewan Komisaris. Sementara, rapat gabungan dengan komite of Commissioners. Meanwhile, joint meetings with supporting
pendukung Dewan Komisaris merupakan bagian dari rapat committees of the Board of Commissioners are part of the internal
internal Dewan Komisaris. meetings of the Board of Commissioners.
Agenda dan materi rapat disampaikan kepada Dewan Komisaris The meeting agenda and materials are submitted to the Board of
paling lama 3 hari sebelum rapat dilaksanakan. Hal tersebut Commissioners at least 3 days prior to the meeting. This aims to
bertujuan untuk memberikan waktu bagi Dewan Komisaris provide time for the BOC to understand the agenda and meeting
memahami agenda dan materi rapat, atau jika ada informasi materials, or if there is additional information needed by members
tambahan yang dibutuhkan oleh anggota Dewan Komisaris of the Board of Commissioners before the meeting is held.
sebelum rapat dilaksanakan.
Pada tahun 2023, Dewan Komisaris telah melaksanakan rapat In 2023, the Board of Commissioners conducted internal meetings
internal sebanyak 21 kali, dengan tingkat kehadiran sebagai berikut. 21 times, with the following attendance rates.
Persentase
Nama Jabatan Total Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Komisaris Utama/Komisaris Independen
Inawaty Handojo 21 21 100,00
President Commissioner/Independent Commissioner
Yohanes Santoso Komisaris Independen
21 19 90,48
Wibowo Independent Commissioner
Josavia Rachman Komisaris
21 21 100,00
Ichwan Commissioner
Rata-Rata Kehadiran (%)
96,83
Average Attendance (%)
Tanggal pelaksanaan rapat, agenda dan materi, serta peserta The dates of the meetings, agendas and materials, as well
rapat internal Dewan Komisaris dipaparkan sebagai berikut. as the participants of the internal meetings of the Board of
Commissioners are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI
30 Januari 2023 Presentasi SKAI
January 20, 2023 SKAI Presentation
2 Februari 2023 Laporan Kepatuhan Semester 2 Tahun 2022.
February 2, 2023 Compliance Report for Semester 2 Year 2022.
• Tingkat Kesehatan Bank Semester 2 Tahun 2022; dan
2 Februari 2023 • Rencana Kerja Divisi Manajemen Risiko Tahun 2023.
February 2, 2023 • Bank Soundness Level Semester 2 Year 2022; and
• Risk Management Division Work Plan for 2023
27 Februari 2023 Realisasi Audit sampai periode Februari 2023.
February 27, 2023 Audit realization until February 2023.
29 Maret 2023 Evaluasi Penerapan Manajemen Risiko Tahun 2022.
March 29, 2023 Evaluation of Risk Management Implementation in 2022.
5 April 2023 Status dan Hasil Pemeriksaan SKAI.
April 5, 2023 Status and Results of SKAI Audit
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Tata Kelola Perusahaan
Corporate Governance
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI
11 Mei 2023 Pembahasan Profil Risiko.
May 11, 2023 Risk Profile Discussion.
31 Mei 2023 Status dan Hasil Pemeriksaan SKAI Mei 2023.
-
May 31, 2023 Status and Results of SKAI Audit May 2023.
5 Juli 2023 Perubahan Parameter Profil Risiko 2023.
July 5, 2023 Risk Profile Parameter Changes 2023
• Status Pemeriksaan SKAI;
• Tindak Lanjut Catatan Komite Audit;
• Hasil Pemeriksaan SKAI; dan
• Status Tindak Lanjut Temuan SKAI, Otoritas Jasa Keuangan, Bank Indonesia,
12 Juli 2023 dan kantor akuntan publik (KAP).
July 12, 2023 • Status of SKAI Audit;
• Follow-up of Audit Committee Notes;
• Results of SKAI Audit;
• Follow-up Status of Findings of SKAI, Financial Services Authority, Bank
Indonesia, and public accounting firm (KAP).
18 Juli 2023 Profil Risiko Triwulan II 2023.
July 18, 2023 Risk Profile of Second Quarter 2023.
20 Juli 2023 Laporan Pokok-Pokok & Review Audit Universe Semester 1 Tahun 2023.
-
July 20, 2023 Report of the Subjects and Review Audit Universe Semester 1 2023.
27 Juli 2023 Temuan Kredit 25 Debitur Terbesar.
July 27, 2023 Credit Findings of 25 Largest Debtors.
3 Agustus 2023 Laporan Kepada Dewan Komisaris: Cyber Security
August 3, 2023 Report to the Board of Commissioners: Cyber Security
• Status Pemeriksaan SKAI;
• Tindak Lanjut Catatan Komite Audit;
• Hasil Pemeriksaan SKAI dan Kantor Akuntan Publik; dan
6 September 2023 • Status Tindak Lanjut Temuan SKAI, Otoritas Jasa Keuangan, dan Bank Indonesia.
September 6, 2023 • Status of SKAI Audit;
• Follow-up of Audit Committee Notes;
• Audit Results of SKAI and Public Accounting Firm; and
• Follow-up Status of Findings of SKAI, Financial Services Authority, and Bank Indonesia.
• Status Pemeriksaan, Aktivitas SKAI sampai Akhir Tahun dan Catatan Komite Audit;
• Hasil Pemeriksaan Reguler SKAI;
• Hasil Pemeriksaan Khusus/Investigasi SKAI; dan
• Status Monitoring Temuan SKAI, Otoritas Jasa Keuangan, Bank Indonesia, dan
25 Oktober 2023 Kantor Akuntan Publik.
October 25, 2023 • Audit Status, SKAI Activities until the End of the Year and Audit Committee Notes;
• SKAI Regular Audit Results;
• SKAI Special Audit/Investigation Results; and
• Monitoring Status of Findings of SKAI, Financial Services Authority, Bank
Indonesia, and Public Accounting Firm.
25 Oktober 2023 Kinerja Keuangan per 30 September 2023.
October 25, 2023 Financial Performance as of September 30, 2023
Laporan Hasil Analisis Surat Otoritas Jasa Keuangan & Tindak Lanjut Memo Dewan
30 November 2023 Komisaris.
November 30, 2023 Analysis Report of Financial Services Authority Letter & Follow-up of Board of
Commissioners Memo.
• Status Pemeriksaan dan Aktivitas SKAI sampai dengan 29 November 2023;
• Audit Universe & RKAT 2024; dan
• Status Monitoring Temuan SKAI, Otoritas Jasa Keuangan, dan Bank Indonesia
30 November 2023 per 31 Oktober 2023.
November 30, 2023 • SKAI Audit Status and Activities up to November 29, 2023;
• Audit Universe & RKAT 2024; and
• Monitoring Status of Findings of SKAI, Financial Services Authority, and Bank
Indonesia as of October 31, 2023.
Informasi Rencana Penugasan Usep Hanafiah untuk Membawahi Fungsi Remedial
& Special Asset Management dan Penyampaian Calon Pengganti Kepala Divisi
21 Desember 2023 Internal Audit PT Bank Ina Perdana Tbk.
December 31, 2023 Information on the Assignment Plan of Usep Hanafiah to Supervise the Remedial &
Special Asset Management Function and Submission of Candidates for the Head of
Internal Audit Division of PT Bank Ina Perdana Tbk.
21 Desember 2023
Risk Dashboard.
December 31, 2023
Keterangan / Remark:
IH : Inawaty Handojo YSW : Yohanes Santoso Wibowo JRI : Josavia Rachman Ichwan
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246 Laporan Tahunan 2023
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Komisaris Independen Independent Commissioner
Dewan Komisaris Bank telah memenuhi ketentuan Peraturan The Bank’s Board of Commissioners has complied with the
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan provisions of the Financial Services Authority Regulation No. 17
Tata Kelola bagi Bank Umum, yang mengatur bahwa paling of 2023 on the Implementation of Governance for Commercial
kurang 50% dari jumlah anggota Dewan Komisaris adalah Banks, which stipulates that at least 50% of the members of the
Komisaris Independen. Pada tahun 2023, Bank memiliki Board of Commissioners are Independent Commissioners. In 2023,
2 Komisaris Independen dari 3 anggota Dewan Komisaris atau the Bank had 2 Independent Commissioners out of 3 members of
setara dengan 66,67%. the Board of Commissioners or equivalent to 66.67%.
Kriteria Komisaris Independen Independent Commissioner Criteria
Komisaris Independen Bank harus memenuhi kriteria sebagai Independent Commissioners of the Bank must fulfill the following
berikut. criteria.
Komisaris Independen
Independent Commissioner
Kriteria
Criteria Yohanes
Inawaty
Santoso
Handojo
Wibowo
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk merencanakan,
memimpin, mengendalikan, atau mengawasi kegiatan Emiten atau Perusahaan Publik tersebut dalam waktu 6
bulan terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris Independen Bank pada periode berikutnya.
Not a person who works or has the authority and responsibility to plan, lead, control, or supervise the activities of
the Issuer or Public Company within the last 6 months, except for reappointment as an Independent Commissioner
of the Bank in the following period.
Tidak mempunyai saham, baik langsung maupun tidak langsung pada Bank tersebut.
Not having shares, either directly or indirectly, in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota Direksi, atau Pemegang
Saham Utama Bank.
Not having affiliation with the Bank, members of the Board of Commissioners, members of the Board of Directors,
or Major Shareholders of the Bank.
Tidak mempunyai hubungan usaha, baik langsung maupun tidak langsung, yang berkaitan dengan kegiatan
usaha Bank.
Not having business relationship, either directly or indirectly, related to the Bank’s business activities.
√: Terpenuhi / Fulfilled x: Tidak terpenuhi / Not fulfilled
Pernyataan Independensi Statement of Independence
Seluruh Komisaris Independen Bank Ina telah menandatangani All Independent Commissioners of Bank Ina have signed a
Surat Pernyataan Independensi dan lulus penilaian kemampuan Statement of Independence and passed the fit and proper test as
dan kepatutan (fit and proper test) sebagai Komisaris Independen Independent Commissioners in accordance with the provisions of
sesuai dengan ketentuan Otoritas Jasa Keuangan tentang the Financial Services Authority on the fit and proper test.
penilaian kemampuan dan kepatutan (fit and proper test).
Sekretaris Dewan Komisaris Secretary of the Board of Commissioners
Sekretaris Dewan Komisaris merupakan organ pendukung yang The Secretary of the Board of Commissioners is a supporting
berperan membantu pelaksanaan tugas dan tanggung jawab organ whose role is to assist the implementation of the duties and
Dewan Komisaris, seperti: responsibilities of the Board of Commissioners, such as:
1. Mengadministrasikan undangan rapat Dewan Komisaris; 1. Administering invitations to the Board of Commissioners’
meetings;
2. Penghubung Dewan Komisaris dan Direksi; 2. Liaison between the Board of Commissioners and the Board
of Directors;
3. Membuat surat-surat keluar; 3. Making outgoing letters;
4. Mendokumentasikan surat-surat; 4. Documenting letters;
5. Menyusun risalah rapat Dewan Komisaris; 5. Preparing minutes of Board of Commissioners’ meetings;
6. Memberikan bantuan ringkasan Laporan Manajemen; 6. Aiding with the summary of Management Reports;
7. Menyiapkan bahan rapat Dewan Komisaris; 7. Preparing materials for the Board of Commissioners’ meetings;
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Tata Kelola Perusahaan
Corporate Governance
8. Mengumpulkan bahan dan informasi yang relevan dengan 8. Collecting materials and information relevant to the
pelaksanaan tugas Dewan Komisaris; implementation of the Board of Commissioners’ duties;
9. Melakukan koordinasi dengan Sekretaris Perusahaan tentang 9. Coordinating with the Corporate Secretary on matters relating
hal-hal yang berkaitan dengan Dewan Komisaris dan Direksi; to the Board of Commissioners and Board of Directors; and
serta
10. Melaksanakan tugas kesekretariatan lainnya. 10. Performing other secretarial duties.
Pada tahun 2023, fungsi Sekretaris Dewan Komisaris dirangkap oleh In 2023, the function of Secretary to the Board of Commissioners
Kepala Divisi Corporate Secretary, yaitu Bapak Feliks Suranta Tarigan. was concurrently held by the Head of Corporate Secretary Division,
Mr. Feliks Suranta Tarigan.
Direksi
Board of Directors
Direksi merupakan organ utama Bank yang mempunyai wewenang The Board of Directors is the main organ of the Bank which has
dan tanggung jawab penuh atas pengelolaan Bank sesuai full authority and responsibility for the management of the Bank
dengan maksud dan tujuan Anggaran Dasar. Dalam pelaksanaan in accordance with the purposes and objectives of the Articles
tugasnya, Direksi dituntut bersikap profesional, objektif, berpikir of Association. In carrying out its duties, the Board of Directors
strategis, serta mengutamakan kepentingan Bank. is required to be professional, objective, think strategically, and
prioritize the interests of the Bank.
Pedoman Kerja Charter
Pedoman kerja Direksi Bank Ina merujuk pada Pedoman Penerapan The Board of Directors Charter of Bank Ina refer to the Governance
Tata Kelola No. COM/001/01/0319 tertanggal 29 Maret 2019. Implementation Guidelines No. COM/001/01/0319 dated
March 29, 2019.
Jumlah, Komposisi, dan Independensi Number, Composition, and Independency
Jumlah Number
Per 31 Desember 2023, anggota Direksi terdiri dari 5 orang. As of December 31, 2023, the Board of Directors consisted of
Jumlah tersebut telah melampaui ketentuan Peraturan Otoritas 5 members. This number has exceeded the provisions of the
Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Tata Kelola Financial Services Authority Regulation No. 17 of 2023 on the
bagi Bank Umum, yang menetapkan Bank wajib memiliki anggota Implementation of Governance for Commercial Banks, which
Direksi dengan jumlah paling sedikit 3 orang. stipulates that the Bank must have at least 3 members of the
Board of Directors.
Komposisi Composition
Direksi Bank terdiri dari 1 Direktur Utama, 1 Wakil Direktur Utama, The Bank’s Board of Directors consists of 1 President Director, 1
dan 3 Direktur, yang diangkat dan diberhentikan dalam RUPS. Bank Vice President Director, and 3 Directors, who are appointed and
senantiasa memastikan bahwa anggota Direksi yang diangkat dismissed in the GMS. The Bank always ensures that the appointed
telah memenuhi kriteria sebagai Direksi seperti yang disampaikan members of the Board of Directors have met the criteria as Directors
dalam Anggaran Dasar Bank dan Pedoman Penerapan Tata Kelola as stated in the Bank’s Articles of Association and the Bank’s
Bank, serta telah lulus dalam uji kemampuan dan kepatutan Corporate Governance Implementation Guidelines, and have
(fit and proper test) dari Otoritas Jasa Keuangan. passed the fit and proper test from Financial Services Authority.
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248 Laporan Tahunan 2023
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Pada tahun 2023, komposisi Direksi Bank Ina diungkapkan In 2023, the composition of Bank Ina’s Board of Directors was as
sebagai berikut. follows.
Persetujuan Bank Indonesia/ Akhir Periode
Nama Jabatan Dasar Hukum Pengangkatan Otoritas Jasa Keuangan Jabatan
Name Position Legal Basis of Appointment Approval from Bank Indonesia/ End of Term of
Financial Services Authority Office
Henry Direktur Utama • Akta RUPS Luar Biasa No. 1 tanggal • Keputusan Anggota Dewan Komisioner Sampai dengan
Koenaifi*) 9 Januari 2023 (sebagai Direktur Retail Otoritas Jasa Keuangan ditutupnya RUPS
Banking); serta No. KEP-24/D.03/2023 tanggal Tahunan 2024.
• Akta RUPS Luar Biasa No. 13 tanggal 16 Februari 2023 (sebagai Direktur
19 Mei 2023 (sebagai Direktur Utama). Retail Banking); serta
• Keputusan Anggota Dewan
Komisioner Otoritas Jasa Keuangan
No. KEPR-89/D.03/2023 tanggal
9 Agustus 2023 (sebagai Direktur Utama).
President • Deed of Extraordinary GMS No. 1 dated • Decision of Members of the Board of Until the closing of
Director January 9, 2023 (as Retail Banking Commissioners of Financial Services the Annual GMS in
Director); and Authority No. KEP-24/D.03/2023 dated 2024.
• Deed of Extraordinary GMS No. 13 dated February 16, 2023 (as Retail Banking
May 19, 2023 (as President Director). Director); and
• Decision of Members of the Board of
Commissioners of Financial Services
Authority No. KEPR-89/D.03/2023 dated
August 9, 2023 (as President Director).
Daniel Direktur Utama • Akta RUPS Tahunan No. 107 tanggal Keputusan Deputi Komisioner Pengawas Sampai dengan
Budirahayu**) 25 Mei 2018; serta Perbankan I Otoritas Jasa Keuangan Maret 2023.
• Akta RUPS Tahunan No. 03 tanggal No. Kep-26/PB.1/2018 tanggal 25 Juli 2018.
3 Juni 2022.
President • Deed of Annual GMS No. 107 dated Decree of Deputy Commissioner of Banking Until March 2023
Director May 25, 2018; and Supervision I of Financial Services Authority No.
• Deed of Annual GMS No. 03 dated June Kep-26/PB.1/2018 dated July 25, 2018.
3, 2022.
Yulius Wakil Direktur • Akta RUPS Luar Biasa No. 07 tanggal • Keputusan Anggota Dewan Komisaris Sampai dengan
Purnama Utama 16 Juni 2021 (sebagai Direktur Digital Otoritas Jasa Keuangan ditutupnya RUPS
Junaedi*) Banking); No. Kep-134/D.03/2021 tanggal Tahunan 2024.
• Akta RUPS Tahunan No. 03 tanggal 14 September 2021 (sebagai
3 Juni 2022 (sebagai Direktur Digital Direktur Digital Banking); serta
Banking); serta • Keputusan Anggota Dewan Otoritas Jasa
• Akta RUPS Luar Biasa No. 13 tanggal Keuangan No. KEPR-90/D.03/2023 tanggal
19 Mei 2023 (sebagai Wakil Direktur 7 Agustus 2023 (sebagai Wakil Direktur
Utama). Utama).
Vice Director • Deed of Extraordinary GMS No. 07 • Decree of Members of the Board of Until the closing of
dated June 16, 2021 (as Digital Banking Commissioners of the Financial Services the Annual GMS in
Director); Authority No. Kep-134/D.03/2021 dated 2024.
• Deed of Annual GMS No. 03 dated June September 14, 2021 (as Digital Banking
3, 2022 (as Digital Banking Director); Director); and
and • Decision of the Board Members of the
• Deed of Extraordinary GMS No. 13 Financial Services Authority
dated May 19, 2023 (as Vice President No. KEPR-90/D.03/2023 dated August 7,
Director) 2023 (as Vice President Director).
Kiung Hui Ngo Direktur • Akta No. 105 tanggal 27 November Surat Bank Indonesia No. 15/108/GBI/DPIP/ Sampai dengan
Keuangan 2013; Rahasia tanggal 18 November 2013. ditutupnya RUPS
• Akta RUPS Tahunan No. 107 tanggal Tahunan 2024.
25 Mei 2018; serta
• Akta RUPS Tahunan No. 03 tanggal
3 Juni 2022.
• Deed No. 105 dated November 27, Bank Indonesia Letter No. 15/108/GBI/DPIP/ Until the closing of
Director of 2013; Rahasia dated November 18, 2013. the Annual GMS in
Finance • Deed of Annual GMS No. 107 dated 2024.
May 25, 2018; and
• Deed of Annual GMS No. 03 dated June
3, 2022.
PT Bank Ina Perdana Tbk
2023 Annual Report 249
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Tata Kelola Perusahaan
Corporate Governance
Persetujuan Bank Indonesia/ Akhir Periode
Nama Jabatan Dasar Hukum Pengangkatan Otoritas Jasa Keuangan Jabatan
Name Position Legal Basis of Appointment Approval from Bank Indonesia/ End of Term of
Financial Services Authority Office
Adhiputra Direktur • Akta RUPS Luar Biasa No. 01 tanggal Keputusan Anggota Dewan Komisaris Otoritas Sampai dengan
Tanoyo Manajemen 3 September 2021; serta Jasa Keuangan No. Kep-133/D.03/2021 ditutupnya RUPS
Risiko dan • Akta RUPS Tahunan No. 03 tanggal tanggal 14 September 2021. Tahunan 2024.
Kepatuhan 3 Juni 2022.
• Deed of Extraordinary GMS No. 01 Decree of Members of the Board of Until the closing of
Director of Risk dated September 3, 2021; and Commissioners of the Financial Services the Annual GMS in
Management • Deed of Annual GMS No. 03 dated June Authority No. Kep-133/D.03/2021 dated 2024.
and Compliance 3, 2022. September 14, 2021.
Yandy Direktur Bisnis • Akta RUPS Tahunan No. 176 tanggal Keputusan Anggota Dewan Komisaris Otoritas Sampai dengan
Ramadhani***) Retail 16 Juni 2023. Jasa Keuangan No. KEPR-101/d.03/2023 ditutupnya RUPS
Director of Retail tanggal 21 Agustus 2023. Tahunan 2024.
Banking • Deed of Annual GMS No. 176 dated Decision of the Board Members of the Financial Until the closing of
June 16, 2023. Services Authority No. KEPR-101/d.03/2023 the Annual GMS in
dated August 21, 2023. 2024.
*)
Efektif menjabat sejak 9 Agustus 2023. / Effective in position from August 9, 2023.
**)
Telah meninggal dunia pada tanggal 22 Maret 2023. / Passed away on March 22, 2023.
***)
Efektif menjabat sejak 23 Agustus 2023. / Effective in position from August 23, 2023.
Independensi Independency
Seluruh anggota Direksi Bank menjunjung tinggi sikap All members of the Bank’s Board of Directors uphold an
independensi serta berupaya untuk melaksanakan tugas attitude of independence and strive to carry out their duties and
dan tanggung jawabnya secara profesional dan penuh responsibilities in a professional and prudent manner, in order to
kehati-hatian, agar mendukung terciptanya perkembangan bisnis support the creation of sustainable business development.
yang berkelanjutan.
Kebijakan Keberagaman Komposisi Composition Diversity Policy
Per 31 Desember 2023, Bank belum memiliki kebijakan tertulis As of December 31, 2023, the Bank did not have a written policy
mengenai keberagaman komposisi Direksi. Akan tetapi, regarding the diversity of the composition of the Board of Directors.
komposisi Direksi Bank telah menunjukkan keberagaman, baik However, the composition of the Bank’s Board of Directors has
dari pendidikan, pengalaman kerja, usia, serta jenis kelamin, yang shown diversity, in terms of education, work experience, age, and
dipaparkan sebagai berikut. gender, as described below.
Aspek Keberagaman Penjelasan
Diversity Aspect Explanation
Pendidikan Direksi Bank mempunyai latar pendidikan yang beragam, yaitu S1 dan S2 Komposisi Direksi Bank Ina telah memenuhi
Education dengan kompetensi di bidang administrasi bisnis, manajemen, keuangan unsur keberagaman, yaitu perpaduan dari sisi
dan teknologi informasi, akuntansi, serta ekonomi keuangan. pendidikan, pengalaman kerja, usia, dan jenis
The Bank’s Board of Directors have diverse educational backgrounds, kelamin.
bachelor’s and master’s degrees with competencies in business The composition of the Board of Directors of
administration, management, finance and information technology, Bank Ina has fulfilled the elements of diversity,
accounting, and financial economics. in terms of education, work experience, age,
and gender.
Pengalaman Kerja Direksi Bank mempunyai pengalaman kerja di berbagai bidang, baik di
Work Experience industri perbankan ataupun di luar industri perbankan.
The Bank’s Board of Directors have work experience in various fields, both
in the banking industry and outside the banking industry.
Usia Rata-rata usia Direksi Bank, yaitu 48-64 tahun.
Age The average age of the Bank’s Board of Directors is 48-64 years.
Jenis Kelamin Terdapat 1 orang anggota Direksi berjenis kelamin wanita.
Gender There is 1 member of the Board of Directors who is female.
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Tugas dan Tanggung Jawab Duties and Responsibilities
Direksi memiliki tugas dan tanggung jawab sebagai berikut: The Board of Directors has the following duties and responsibilities:
1. Direksi bertanggung jawab penuh atas pelaksanaan 1. The Board of Directors is fully responsible for the
kepengurusan Bank; implementation of the management of the Bank;
2. Direksi bertugas menjalankan dan bertanggung jawab atas 2. The Board of Directors is in charge of carrying out and being
pengurusan Bank untuk kepentingan Bank sesuai dengan responsible for managing the Bank for the benefit of the Bank
maksud dan tujuan Bank yang ditetapkan dalam Anggaran in accordance with the purposes and objectives of the Bank
Dasar; set out in the Articles of Association;
3. Dalam menjalankan tugas dan tanggung jawab atas 3. In carrying out the duties and responsibilities for management,
pengurusan, Direksi wajib menyelenggarakan RUPS Tahunan the Board of Directors is required to hold Annual GMS and
dan RUPS Luar Biasa sebagaimana diatur dalam peraturan Extraordinary GMS as stipulated in laws and regulations and
perundang-undangan dan Anggaran Dasar; the Articles of Association;
4. Setiap anggota Direksi wajib melaksanakan tugas dan 4. Each member of the Board of Directors must carry out
tanggung jawab dengan iktikad baik, penuh tanggung jawab, the duties and responsibilities in good faith, with full of
dan kehati-hatian; responsibility, and prudence;
5. Direksi wajib mengelola Bank sesuai dengan kewenangan dan 5. The Board of Directors must manage the Bank in accordance
tanggung jawab Direksi sebagaimana diatur dalam Anggaran with the authority and responsibility of the Board of Directors as
Dasar dan peraturan perundang-undangan; stipulated in the Articles of Association and laws and regulations;
6. Direksi wajib menerapkan prinsip-prinsip tata kelola yang baik 6. The Board of Directors must apply the principles of good
dalam setiap kegiatan usaha Bank pada seluruh tingkatan governance in every business activity of the Bank at all levels
atau jenjang organisasi; of the organization;
7. Dalam rangka menerapkan prinsip tata kelola yang baik, 7. In order to apply the principles of good governance, the Board
Direksi paling sedikit wajib membentuk: of Directors must at least establish:
a. SKAI; a. SKAI;
b. Satuan Kerja Manajemen Risiko dan Komite Manajemen b. Risk Management Work Unit and Risk Management
Risiko; serta Committee; and
c. Satuan Kerja Kepatuhan; c. Compliance Work Unit;
8. Direksi wajib menindaklanjuti temuan audit dan rekomendasi 8. The Board of Directors must follow up on audit findings and
dari SKAI, Auditor Eksternal, hasil pengawasan Otoritas Jasa recommendations from the SKAI, external auditors, results of
Keuangan, dan/atau hasil pengawasan otoritas lain; supervision by the Financial Services Authority, and/or results
of supervision by other authorities;
9. Direksi wajib mempertanggungjawabkan pelaksanaan tugas 9. The Board of Directors is obliged to be responsible for carrying
kepada Pemegang Saham melalui RUPS; out its duties to Shareholders through the GMS;
10. Direksi wajib mengungkapkan kepada pegawai mengenai 10. The Board of Directors is required to disclose to employees
kebijakan Bank yang bersifat strategis di bidang kepegawaian; regarding the Bank’s strategic policies in the personnel sector;
11. Direksi dilarang menggunakan penasihat perorangan dan/ 11. The Board of Directors are prohibited from using individual
atau jasa profesional sebagai konsultan; advisers and/or professional services as consultants;
12. Penggunaan penasihat perorangan dan/atau jasa profesional 12. The use of individual advisors and/or professional services
sebagai konsultan dapat dilakukan dalam hal memenuhi as consultants can be carried out in terms of fulfilling the
persyaratan: following requirements:
a. Untuk proyek bersifat khusus; a. For special projects;
b. Didasarkan pada kontrak kerja yang jelas; serta b. Based on a clear employment contract; and
c. Merupakan pihak independen dan memiliki kualifikasi c. Is an independent party and has the qualifications to work
untuk mengerjakan proyek yang bersifat khusus; on a special project;
13. Direksi wajib menyediakan data dan informasi yang akurat, 13. The Board of Directors must provide accurate, relevant, and
relevan, dan tepat waktu kepada Dewan Komisaris; serta timely data and information to the Board of Commissioners;
and
14. Setiap anggota Direksi bertanggung jawab secara tanggung 14. Each member of the Board of Directors is jointly and severally
renteng atas kerugian Bank yang disebabkan oleh kesalahan responsible for the Bank’s losses caused by errors or omissions
atau kelalaian anggota Direksi dalam menjalankan tugasnya. of members of the Board of Directors in carrying out their
duties.
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Tata Kelola Perusahaan
Corporate Governance
Pembagian Tugas dan Tanggung Jawab Division of Duties and Responsibilities
Pembagian tugas dan tanggung jawab masing-masing anggota The division of duties and responsibilities of each member of the
Direksi diuraikan sebagai berikut. Board of Directors is described as follows.
Nama Jabatan Pembagian Tugas
Name Position Division of Duties
Henry Koenaifi*) Direktur Utama Membawahi unit kerja: Supervise the work unit:
President Director • Audit Internal; • SKAI;
• Kredit Review; • Credit Review;
• Human Capital; serta • Human Capital; and
• Remedial & Special Asset Management. • Remedial and Special Asset Management.
Yulius Purnama Wakil Direktur Utama Membawahi unit kerja: Supervise the work unit:
Junaedi*) Vice President Director • Digital Solutions & Partnership; • Digital Solutions & Partnership;
• Digital Technology; • Digital Technology;
• Branch & Commercial Technology; • Branch and Commercial Technology;
• Technology Operations & Control Unit; • Technology Operations and Control Unit;
• Operation Development; • Operation Development;
• Credit Administration; • Credit Administration;
• Digital Operation; serta • Digital Operation; and
• Treasury Operation. • Treasury Operation.
Kiung Hui Ngo Direktur Keuangan Membawahi unit kerja: Supervise the work unit:
Director of Finance • Treasury; • Treasury;
• General Services & Procurement; • General Services and Procurement;
• Akuntansi dan Perencanaan Keuangan; • Accounting and Financial Planning;
• Sistem Informasi Manajemen (SIM) & Pelaporan; • Management Information System (MIS) and
serta Reporting; and
• Kustodian. • Custodian.
Adhiputra Direktur Manajemen Membawahi unit kerja: Supervise the work unit:
Tanoyo Risiko dan Kepatuhan • Manajemen Risiko; • Risk Management;
Director of Risk • Kebijakan, Sistem, & Prosedur; • Policies, Systems, and Procedures;
Management and • Digital Governance; • Digital Governance;
Compliance • Kepatuhan & Anti Pencucian Uang dan • Compliance and Anti-Money Laundering and
Pencegahan Pendanaan Terorisme (APU-PPT); Counter-Terrorism Financing (AML-CTF) Regime;
and
• Corporate Secretary; serta • Corporate Secretary; and
• Legal. • Legal.
Yandy Direktur Bisnis Retail Membawahi unit kerja: Supervise the work unit:
Ramadhani**) Director of Retail Business • Network & Branch Development; • Network and Branch Development;
• Priority & Wealth Management; • Priority and Wealth Management;
• Consumer Loans; • Consumer Loans;
• Marketing Communication; • Marketing Communication;
• Marketing Strategy & Sales Management; serta • Marketing Strategy and Sales Management; and
• Branch Operation & Control Unit. • Branch Operation and Control Unit.
*)
Efektif menjabat sejak 9 Agustus 2023. / Effective in position from August 9, 2023.
**)
Efektif menjabat sejak 23 Agustus 2023. / Effective in position fromAugust 23, 2023.
Rekomendasi dan Pelaksanaan Tugas Recommendations and Implementation of
Duties
Direksi Bank telah menjalankan tugas dan tanggung jawabnya The Bank’s Board of Directors has carried out its duties and
dengan baik, serta telah memberikan rekomendasi dan responsibilities well, and has provided recommendations and
menetapkan berbagai keputusan untuk meningkatkan kinerja made various decisions to improve operational and financial
operasional dan keuangan. Adapun tugas dan tanggung jawab performance. The duties and responsibilities that were carried out
yang telah dilaksanakan oleh Direksi selama tahun 2023, yaitu: by the Board of Directors throughout 2023 were:
1. Pelaksanaan kepengurusan Bank; 1. Implementation of Bank management;
2. Pengelolaan aset dan keuangan Bank; 2. Management of Bank assets and finances;
3. Penyusunan perencanaan perusahaan; 3. Compilation of corporate planning;
4. Penyelenggaraan rapat Direksi, menghadiri rapat Dewan 4. Organizing Board of Directors meetings, attending Board of
Komisaris, dan RUPS; Commissioners meetings, and the GMS;
5. Pengawasan dan perbaikan proses bisnis internal; 5. Supervision and improvement of internal business processes;
6. Penetapan manajemen risiko dan prinsip-prinsip GCG; 6. Determination of risk management and GCG principles;
7. Pemenuhan target kinerja Bank; serta 7. Fulfillment of the Bank’s performance targets; and
8. Pelaksanaan tugas lainnya terkait kepengurusan Bank. 8. Implementation of other duties related to the management of
the Bank.
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Rapat Meeting
Rapat Internal Direksi Board of Directors’ Internal Meeting
Rapat internal Direksi wajib dilaksanakan paling kurang 12 kali Internal meetings of the Board of Directors must be held at least 12
dalam setahun. Selain itu, Direksi berhak mengundang staf times a year. In addition, the Board of Directors has the right to invite
Bank untuk hadir dalam rapat internal tersebut. Rapat Direksi the Bank’s staff to attend the internal meetings. Meetings of the
dinyatakan sah apabila dihadiri oleh mayoritas anggota Direksi Board of Directors are valid if attended by the majority of members
dengan mekanisme pengambilan keputusan melalui musyawarah of the Board of Directors with a decision-making mechanism through
untuk mufakat. Apabila tidak terdapat kata mufakat, maka deliberation for consensus. If there is no consensus, then decision
pengambilan keputusan dilakukan berdasarkan suara terbanyak. making is based on a majority vote. Internal meetings of the Board of
Pelaksanaan rapat internal Direksi dipimpin oleh Direktur Utama, Directors are chaired by the President Director, but if he/she is unable
namun apabila berhalangan hadir, maka rapat dapat dipimpin to attend, the meeting may be chaired by another member of the
oleh anggota Direksi lainnya yang ditunjuk oleh Direktur Utama. Board of Directors appointed by the President Director.
Pada tahun 2023, Direksi telah melaksanakan rapat internal In 2023, the Board of Directors held 38 internal meetings, with the
sebanyak 38 kali, dengan tingkat kehadiran sebagai berikut. following attendance rates.
Persentase
Nama Jabatan Total Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Direktur Utama
Henry Koenaifi*) 38 33 86,84
President Director
Direktur Utama
Daniel Budirahayu**) 9 9 100,00
President Director
Wakil Direktur Utama
Yulius Purnama Junaedi*) 38 37 97,37
Vice President Director
Direktur Keuangan
Kiung Hui Ngo 38 35 92,11
Director of Finance
Direktur Manajemen Risiko dan Kepatuhan
Adhiputra Tanoyo 38 35 92,11
Director of Risk Management and Compliance
Direktur Bisnis Retail
Yandy Ramadhani***) 14 12 85,71
Director of Retail Business
Rata-Rata Kehadiran (%)
92,36
Average Attendance (%)
*)
Efektif menjabat sejak 9 Agustus 2023. / Effective in position from August 9, 2023.
**)
Telah meninggal dunia pada tanggal 22 Maret 2023. / Passed away on March 22, 2023.
***)
Efektif menjabat sejak 23 Agustus 2023. / Effective in position from August 23, 2023.
Tanggal pelaksanaan rapat, agenda dan materi, serta peserta The dates of the meetings, agendas and materials, and participants
rapat internal Direksi dipaparkan sebagai berikut. of the internal meetings of the Board of Directors are presented
below.
Kehadiran
Tanggal Attendance
Agenda
Date
HK DB** YPJ KHN AT YR
12 Januari 2023 Rapat Direksi Perdana di Tahun 2023 dan Perkenalan Bapak Henry
January 12, 2023 Koenaifi selaku Direktur Bank Ina yang Baru.
First Board of Directors Meeting in 2023 and Introduction of Mr. Henry
Koenaifi as the New Director of Bank Ina.
16 Januari 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
January 16, 2023 Field Director’s Report and Explanation and Discussion of Issues
30 Januari 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
January 30, 2023 Field Director’s Report and Explanation and Discussion of Issues
13 Februari 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
February 13, 2023 Field Director’s Report and Explanation and Discussion of Issues
20 Februari 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
February 20, 2023 Field Director’s Report and Explanation and Discussion of Issues
27 Februari 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
February 27, 2023 Field Director’s Report and Explanation and Discussion of Issues
6 Maret 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
March 6, 2023 Field Director’s Report and Explanation and Discussion of Issues
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Tata Kelola Perusahaan
Corporate Governance
Kehadiran
Tanggal Attendance
Agenda
Date
HK DB** YPJ KHN AT YR
13 Maret 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
March 13, 2023 Field Director’s Report and Explanation and Discussion of Issues
20 Maret 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
March 20, 2023 Field Director’s Report and Explanation and Discussion of Issues
27 Maret 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
March 27, 2023 Field Director’s Report and Explanation and Discussion of Issues
3 April 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
April 3, 2023 Field Director’s Report and Explanation and Discussion of Issues
10 April 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
April 10, 2023 Field Director’s Report and Explanation and Discussion of Issues
17 April 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
April 17, 2023 Field Director’s Report and Explanation and Discussion of Issues
8 Mei 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
May 8, 2023 Field Director’s Report and Explanation and Discussion of Issues
22 Mei 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
May 22, 2023 Field Director’s Report and Explanation and Discussion of Issues
5 Juni 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
June 5, 2023 Field Director’s Report and Explanation and Discussion of Issues
19 Juni 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
June 19, 2023 Field Director’s Report and Explanation and Discussion of Issues
26 Juni 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
June 26, 2023 Field Director’s Report and Explanation and Discussion of Issues
3 Juli 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
July 3, 2023 Field Director’s Report and Explanation and Discussion of Issues
10 Juli 2023 • Presentasi Rencana Pembukaan Kantor Cabang/Kantor Cabang
July 10, 2023 Pembantu sampai dengan Desember 2023 dan Launching PT Bank
Ina Perdana Tbk Prioritas; serta
• Update tentang Beberapa Usul Proses Perkreditan.
• Presentation of Branch Office / Sub-Branch Office Opening Plan until
December 2023 and Launching of PT Bank Ina Perdana Tbk Priority;
and
• Update on Several Proposed Credit Processes.
17 Juli 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
July 17, 2023 Field Director’s Report and Explanation and Discussion of Issues
24 Juli 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
July 24, 2023 Field Director’s Report and Explanation and Discussion of Issues
7 Agustus 2023 • Pencapaian Posisi Bulan Juli 2023 dan Target Bulan Agustus 2023; serta
August 7, 2023 • Suku Bunga CASA.
-
• Achievement of July 2023 Position and August 2023 Target; and
• CASA Interest Rate
21 Agustus 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
August 21, 2023 Field Director’s Report and Explanation and Discussion of Issues
28 Agustus 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
August 28, 2023 Field Director’s Report and Explanation and Discussion of Issues
4 September 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
September 4, 2023 Field Director’s Report and Explanation and Discussion of Issues
11 September 2023 • Update acara Customer Gathering 13 September 2023; serta
September 11, 2023 • Update Cash Management (Indomobil Group).
• Update on Customer Gathering event on September 13, 2023; and
• Cash Management Update (Indomobil Group).
18 September 2023 • Validasi Nomor Induk Kependudukan (NIK) dan Nomor Pokok Wajib
September 18, 2023 Pajak (NPWP) Nasabah 16 Digit; serta
• Presentasi Rencana Pembukaan Kantor Cabang/Kantor Cabang
Pembantu di Tahun 2024. -
• Validation of 16 Digit Customer Identification Number (NIK) and
Taxpayer Identification Number (NPWP); and
• Presentation of Branch Office / Sub-Branch Office Opening Plan in 2024.
25 September 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
-
September 25, 2023 Field Director’s Report and Explanation and Discussion of Issues
2 Oktober 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
October 2, 2023 Field Director’s Report and Explanation and Discussion of Issues
PT Bank Ina Perdana Tbk
254 Laporan Tahunan 2023
Page 257
Kehadiran
Tanggal Attendance
Agenda
Date
HK DB** YPJ KHN AT YR
23 Oktober 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
October 23, 2023 Field Director’s Report and Explanation and Discussion of Issues
30 Oktober 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
October 30, 2023 Field Director’s Report and Explanation and Discussion of Issues
6 November 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
November 6, 2023 Field Director’s Report and Explanation and Discussion of Issues
13 November 2023 • Laporan Hasil Analisis Surat Imbauan Otoritas Jasa Keuangan dan
November 13, 2023 Tindak Lanjut Memo Dewan Komisaris; serta
• Rencana Kerja Sama Corporate Social Responsibility dan Pemilihan
Vendor Laporan Tahunan 2023.
• Analysis Report on Appeal Letter of the Financial Services Authority
and Follow-up Memo of the Board of Commissioners; and
• Corporate Social Responsibility Cooperation Plan and Vendor
Selection Annual Report 2023
20 November 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
November 20, 2023 Field Director’s Report and Explanation and Discussion of Issues
28 November 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
- -
November 28, 2023 Field Director’s Report and Explanation and Discussion of Issues
4 Desember 2023 • Pertemuan dengan Vendor Safe Deposit Box KC Melawai (PT Sentra
December 4, 2023 Mega Perdana - Solingen); serta
• Pembahasan Penilaian Kriteria Cabang.
• Meeting with KC Melawai Safe Deposit Box Vendor (PT Sentra Mega
Perdana - Solingen); and
• Discussion on Branch Criteria Assessment.
11 Desember 2023 Laporan dan Penjelasan Direktur Bidang serta Pembahasan Masalah.
December 11, 2023 Field Director’s Report and Explanation and Discussion of Issues
Keterangan / Remark:
HK : Henry Koenaifi KHN : Kiung Hui Ngo
DB : Daniel Budirahayu AT : Adhiputra Tanoyo
YPJ : Yulius Purnama Junaedi YR : Yandy Ramadhani
**)
Telah meninggal dunia pada tanggal 22 Maret 2023 / Passed away on March 22, 2023.
Rapat Gabungan dengan Dewan Komisaris Joint Meeting with the Board of Commissioners
Untuk memperkuat koordinasi dan komunikasi, Dewan To strengthen coordination and communication, the Board of
Komisaris dan Direksi melaksanakan rapat gabungan paling Commissioners and the Board of Directors hold joint meetings at
kurang 1 kali dalam 4 bulan. Adapun materi rapat gabungan least once every four months. The material of the joint meeting
membahas berbagai kebijakan dan keputusan strategis Direksi discusses various policies and strategic decisions of the Board of
yang disampaikan kepada Dewan Komisaris untuk ditelaah, Directors submitted to the Board of Commissioners for review,
mendapatkan saran pengembangan, dan disetujui apabila development suggestions, and approval if the policy requires the
kebijakan tersebut membutuhkan persetujuan anggota Dewan approval of members of the Board of Commissioners.
Komisaris.
Selama tahun 2023, Dewan Komisaris dan Direksi telah During 2023, the Board of Commissioners and the Board of
melaksanakan rapat gabungan sebanyak 4 kali, dengan tingkat Directors held 4 joint meetings, with the following attendance
kehadiran sebagai berikut. rates.
Persentase
Nama Jabatan Total Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Komisaris Utama/Komisaris Independen
Inawaty Handojo 4 4 100,00
President Commissioner/Independent Commissioner
Yohanes Santoso Komisaris Independen
4 4 100,00
Wibowo Independent Commissioner
Josavia Rachman Komisaris
4 4 100,00
Ichwan Commissioner
Direktur Utama
Henry Koenaifi*) 4 4 100,00
President Director
PT Bank Ina Perdana Tbk
2023 Annual Report 255
Page 258
Tata Kelola Perusahaan
Corporate Governance
Persentase
Nama Jabatan Total Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Direktur Utama
Daniel Budirahayu**) - - -
President Director
Yulius Purnama Wakil Direktur Utama
4 3 75,00
Junaedi*) Vice President Director
Direktur Keuangan
Kiung Hui Ngo 4 4 100,00
Director of Finance
Direktur Manajemen Risiko dan Kepatuhan
Adhiputra Tanoyo 4 4 100,00
Director of Risk Management and Compliance
Direktur Bisnis Retail
Yandy Ramadhani***) 2 1 50,00
Director of Retail Business
Rata-Rata Kehadiran (%)
90,63
Average Attendance (%)
*)
Efektif menjabat sejak 9 Agustus 2023. / Effective in position from August 9, 2023.
**)
Telah meninggal dunia pada tanggal 22 Maret 2023. / Passed away on March 22, 2023.
***)
Efektif menjabat sejak 23 Agustus 2023. / Effective in position from August 23, 2023.
Tanggal pelaksanaan rapat, agenda dan materi, serta peserta The date of the meeting, agenda and materials, as well as the
rapat gabungan Dewan Komisaris dan Direksi dipaparkan sebagai participants of the joint meeting of the Board of Commissioners
berikut. and the Board of Directors are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI DB**) HK YPJ KHN AT YR
Rapat Direksi dan Dewan Komisaris.
24 Maret 2023
March 24, 2023 Board of Directors and Board of Commissioners
meeting
Laporan dan Penjelasan Direktur Bidang serta
17 Mei 2023 Pembahasan Masalah.
-
May 17, 2023 Field Director’s Report and Explanation and
Discussion of Issues.
Rapat Direksi dan Dewan Komisaris.
6 Oktober 2023
October 6, 2023 Board of Directors and Board of Commissioners
meeting
28 November 2023 Finalisasi Rencana Bisnis Bank 2024-2026.
-
November 28, 2023 Finalization of Bank Business Plan 2024-2026.
IH : Inawaty Handojo DB : Daniel Budirahayu KHN : Kiung Hui Ngo
YSW : Yohanes Santoso Wibowo HK : Henry Koenaifi AT : Adhiputra Tanoyo
JRI : Josavia Rachman Ichwan YPJ : Yulius Purnama Junaedi YR : Yandy Ramadhani
**)
Telah meninggal dunia pada tanggal 22 Maret 2023. / Passed away on March 22, 2023.
Sekretaris Direksi Secretary of the Board of Directors
Sekretaris Direksi merupakan organ pendukung Direksi yang The Secretary of the Board of Directors is a supporting organ
bertanggung jawab dalam membantu pelaksanaan tugas anggota of the Board of Directors that is responsible for assisting the
Direksi, seperti: implementation of the duties of the members of the Board of
Directors, such as:
1. Mengadministrasikan undangan rapat Direksi; 1. Administering invitations to meetings of the Board of
Directors;
2. Penghubung Dewan Komisaris dan Direksi; 2. Liaison between the Board of Commissioners and the Board
of Directors;
3. Membuat surat-surat keluar; 3. Preparing outgoing letters;
4. Mendokumentasikan surat-surat; 4. Documenting letters;
5. Menyusun risalah rapat Direksi; 5. Preparing minutes of meetings of the Board of Directors;
6. Memberikan bantuan ringkasan Laporan Manajemen; 6. Providing assistance with a summary of Management Reports;
7. Menyiapkan bahan rapat Direksi; 7. Preparing materials for the Board of Directors meeting;
PT Bank Ina Perdana Tbk
256 Laporan Tahunan 2023
Page 259
8. Mengumpulkan bahan dan informasi yang relevan dengan 8. Collecting materials and information relevant to the
pelaksanaan tugas Direksi; implementation of the duties of the Board of Directors;
9. Melakukan koordinasi dengan Sekretaris Perusahaan tentang 9. Coordinating with the Corporate Secretary on matters relating
hal-hal yang berkaitan dengan Dewan Komisaris dan Direksi; to the Board of Commissioners and Directors; and
serta
10. Melaksanakan tugas kesekretariatan lainnya. 10. Carrying out other secretarial duties.
Pada tahun 2023, pelaksanaan tugas Sekretaris Direksi Bank In 2023, the duties of the Secretary of the Bank’s Board of
dijalankan oleh Feliks Suranta Tarigan. Directors were carried out by Feliks Suranta Tarigan.
Transparansi Informasi tentang
Dewan Komisaris dan Direksi
Transparency of Information of the Board of Commissioners
and Board of Directors
Rangkap Jabatan Concurrent Positions
Kebijakan rangkap jabatan Dewan Komisaris dan Direksi Concurrent Positions policy of the Board of Commissioners
berpedoman pada Pasal 15 dan Pasal 46 Peraturan Otoritas Jasa and Directors is guided by Article 15 and Article 46 of the
Keuangan No. 17 Tahun 2023 tentang Penerapan Tata Kelola Financial Services Authority Regulation No. 17 of 2023 on the
bagi Bank Umum, yang diungkapkan sebagai berikut. Implementation of Governance for Commercial Banks, which is
disclosed as follows.
Bank/Perusahaan/Lembaga Lain
Nama Jabatan Other Banks/Companies/Institutions
Name Position Nama Perusahaan Jabatan
Company Name Position
Komisaris Utama/Komisaris Independen Tidak Ada Tidak Ada
Inawaty Handojo
President Commissioner/Independent Commissioner None None
Komisaris Independen Tidak Ada Tidak Ada
Yohanes Santoso Wibowo
Independent Commissioner None None
Komisaris Tidak Ada Tidak Ada
Josavia Rachman Ichwan
Commissioner None None
Direktur Utama Tidak Ada Tidak Ada
Henry Koenaifi*)
President Director None None
Wakil Direktur Utama Tidak Ada Tidak Ada
Yulius Purnama Junaedi*)
Vice President Director None None
Direktur Keuangan Tidak Ada Tidak Ada
Kiung Hui Ngo
Director of Finance None None
Direktur Manajemen Risiko dan Kepatuhan Tidak Ada Tidak Ada
Adhiputra Tanoyo
Director of Risk Management and Compliance None None
Direktur Bisnis Retail Tidak Ada Tidak Ada
Yandy Ramadhani**)
Director of Retail Bussiness None None
*)
Efektif menjabat sejak 9 Agustus 2023. / Effective in position from August 9, 2023.
**)
Efektif menjabat sejak 23 Agustus 2023. / Effective in position from August 23, 2023.
PT Bank Ina Perdana Tbk
2023 Annual Report 257
Page 260
Tata Kelola Perusahaan
Corporate Governance
Kepemilikan Saham Shareholding
Per 31 Desember 2023, anggota Dewan Komisaris dan Direksi As of December 31, 2023, members of the Board of Commissioners
tidak mempunyai saham, baik kepemilikan individual ataupun and Board of Directors did not have shares, either individual
kepemilikan bersama yang melebihi 25% dari modal disetor di ownership or joint ownership that exceed 25% of the paid-up capital
Bank ataupun di perusahaan lain. Informasi terkait Kepemilikan in the Bank or in other companies. Information related to the Share
Saham Dewan Komisaris dan Direksi telah diungkapkan pada bab Ownership of the Board of Commissioners and Directors has been
Profil Perusahaan dalam Laporan Tahunan ini. disclosed in the Company Profile chapter in this Annual Report.
Hubungan Afiliasi Affiliate Relations
Kebijakan hubungan afiliasi Bank Ina berpedoman pada Peraturan Bank Ina’s affiliation policy is guided by the Financial Services
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Authority Regulation No. 17 of 2023 on the Implementation of
Tata Kelola bagi Bank Umum, yaitu anggota Dewan Komisaris dan Governance for Commercial Banks, namely members of the Board
anggota Direksi tidak diperkenankan untuk mempunyai hubungan of Commissioners and members of the Board of Directors are
keluarga sampai derajat kedua dengan sesama anggota Dewan not allowed to have family relationships up to the second degree
Komisaris dan Direksi. Masing-masing anggota Dewan Komisaris with fellow members of the Board of Commissioners and Board
dan Direksi juga diwajibkan untuk mengungkapkan hubungan of Directors. Each member of the Board of Commissioners and
keuangan dan hubungan keluarga dengan anggota Dewan Board of Directors is also required to disclose financial and family
Komisaris dan Direksi lain, serta Pemegang Saham Pengendali relationships with other members of the Board of Commissioners
Bank. Informasi terkait hubungan afiliasi anggota Dewan and Board of Directors, as well as the Controlling Shareholders of
Komisaris dan Direksi sebagai berikut. the Bank. Information related to affiliate relationships of members
of the Board of Commissioners and Board of Directors is as follows.
Hubungan Keuangan dengan Hubungan Keluarga dengan
Financial Relations with Family Relations with
Hubungan
Nama Jabatan Pemegang Pemegang Kepengurusan
Dewan Dewan
Name Positionig Direksi Saham Direksi Saham Management
Komisaris Komisaris
Board of Pengendali Board of Pengendali Relations
Board of Board of
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Komisaris
Utama/
Komisaris
Inawaty Independen Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Handojo President No No No No No No No
Commissioner/
Independent
Commissioner
Komisaris
Yohanes
Independen Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Santoso
Independent No No No No No No No
Wibowo
Commissioner
Josavia
Komisaris Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Rachman
Commissioner No No No No No No No
Ichwan
Direktur Utama
Henry Tidak Tidak Tidak Tidak Tidak Tidak Tidak
President
Koenaifi*) No No No No No No No
Director
Wakil Direktur
Yulius
Utama Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Purnama
Vice President No No No No No No No
Junaedi*)
Director
Direktur
Kiung Hui Keuangan Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Ngo Director of No No No No No No No
Finance
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258 Laporan Tahunan 2023
Page 261
Hubungan Keuangan dengan Hubungan Keluarga dengan
Financial Relations with Family Relations with
Hubungan
Nama Jabatan Pemegang Pemegang Kepengurusan
Dewan Dewan
Name Positionig Direksi Saham Direksi Saham Management
Komisaris Komisaris
Board of Pengendali Board of Pengendali Relations
Board of Board of
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Direktur
Manajemen
Risiko dan
Adhiputra Kepatuhan Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Tanoyo Director of Risk No No No No No No No
Management
and
Compliance
Direktur Bisnis
Yandy Retail Tidak Tidak Tidak Tidak Tidak Tidak Tidak
Ramadhani**) Director of No No No No No No No
Retail Business
*)
Efektif menjabat sejak 9 Agustus 2023. / Effective in position from August 9, 2023.
**)
Efektif menjabat sejak 23 Agustus 2023. / Effective in position fromAugust 23, 2023.
Kebijakan Pelatihan dan/atau Peningkatan Training and/or Competency Development
Kompetensi Dewan Komisaris dan Direksi Policy for the Board of Commissioners and
Board of Directors
Kebijakan di seluruh level organisasi Bank, setiap karyawan At all levels of the Bank’s organization, every employee has an
memiliki kesempatan yang setara dalam dalam mendapatkan equal opportunity to receive education and training. In addition,
pendidikan dan pelatihan. Selain itu, program pelatihan dan/atau training and/or competency improvement programs for the
peningkatan kompetensi Dewan Komisaris dan Direksi diperlukan Board of Commissioners and Board of Directors are required
agar anggota Dewan Komisaris dan Direksi dapat senantiasa so that members of the Board of Commissioners and Board of
memperbarui informasi terkait perkembangan industri perbankan Directors can keep up to date with the latest developments in
terkini dan peraturan perundang-undangan yang berlaku sebagai the banking industry and applicable laws and regulations as a
bentuk antisipasi atas masalah yang timbul di kemudian hari bagi form of anticipation of problems that may arise in the future for
keberlangsungan dan kemajuan Bank. Informasi terkait pelatihan the sustainability and progress of the Bank. Information related
dan/atau peningkatan kompetensi Dewan Komisaris dan Direksi to training and/or competency improvement of the Board of
telah diungkapkan pada bab Profil Perusahaan dalam Laporan Commissioners and Board of Directors has been disclosed in the
Tahunan ini. Company Profile chapter in this Annual Report.
Program Orientasi Orientation Program
Program orientasi adalah program perkenalan yang The orientation program is an introductory program held for newly
diselenggarakan bagi anggota Dewan Komisaris dan anggota appointed members of the Board of Commissioners and Board
Direksi yang baru diangkat. Perkenalan tersebut dimulai dari of Directors. The introduction begins with the introduction of the
perkenalan antar Dewan Komisaris dan Direksi, Pejabat Eksekutif, Board of Commissioners and Directors, Executive Officers, Head
Kepala Divisi/Kepala Satuan Kerja, Sekretaris Perusahaan, anggota of Division/Head of Work Unit, Corporate Secretary, members of
komite di bawah Dewan Komisaris, Sekretaris Dewan Komisaris, committees under the Board of Commissioners, Secretary of the
serta pejabat lainnya. Pada pelaksanaan program orientasi, Board of Commissioners, and other officials. During the orientation
anggota Dewan Komisaris dan Direksi yang baru menerima program, new members of the Board of Commissioners and Board
informasi terkait Bank, yang terdiri dari: of Directors receive information related to the Bank, consisting of:
1. Struktur organisasi perusahaan serta fungsi Dewan Komisaris 1. Company’s organizational structure and functions of the
dan Direksi; Board of Commissioners and Board of Directors;
2. Hak (termasuk remunerasi dan fasilitas yang didapat), tugas 2. Rights (including remuneration and facilities obtained),
utama, kewajiban, dan tanggung jawab Dewan Komisaris main duties, obligations, and responsibilities of the Board of
dan Direksi; Commissioners and Board of Directors;
3. Kinerja keuangan Bank; 3. Bank’s financial performance;
4. Kondisi Bank terkini, Rencana Bisnis Bank, serta prospek Bank 4. The Bank’s current condition, the Bank’s Business Plan, and
ke depan; the Bank’ future prospects;
PT Bank Ina Perdana Tbk
2023 Annual Report 259
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Tata Kelola Perusahaan
Corporate Governance
5. Perangkat kebijakan internal yang dimiliki Bank; 5. Bank’s internal policy tools;
6. Praktik manajemen risiko Bank; 6. Bank’s risk management practices;
7. Praktik kepatuhan; serta 7. Compliance practices; and
8. Hal lainnya yang sekiranya diperlukan untuk membekali 8. Other matters necessary to equip new members of the Board
anggota Dewan Komisaris dan Direksi baru. of Commissioners and Board of Directors.
Penilaian Kinerja Dewan Komisaris dan Performance Assessment of the Board of
Direksi Commissioners and Board of Directors
Penilaian kinerja Dewan Komisaris dilakukan dengan metode The performance assessment of the Board of Commissioners is
penilaian sendiri atau self-assessment. Sementara penilaian kinerja conducted using the self-assessment method. Meanwhile, the
Direksi dilakukan oleh Dewan Komisaris, baik secara individual performance assessment of the Board of Directors is carried out by the
maupun kolektif berdasarkan unsur-unsur penilaian kinerja yang Board of Commissioners, both individually and collectively based on the
disusun oleh Komite Nominasi dan Remunerasi. Penilaian kinerja elements of performance assessment prepared by the Nomination and
dilakukan di setiap akhir periode dengan kriteria sebagai berikut: Remuneration Committee. The performance assessment is conducted
at the end of each period with the following criteria:
1. Laporan yang disampaikan; 1. Reports submitted;
2. Saran, pertimbangan, dan masukan yang disampaikan; 2. Suggestions, considerations, and input submitted;
3. Aktivitas pelaksanaan pengawasan; 3. Monitoring implementation activities;
4. Ketaatan terhadap kebijakan pengelolaan; 4. Adherence to management policies;
5. Penerapan prinsip-prinsip GCG; 5. Implementation of GCG principles;
6. Kinerja Bank; serta 6. Bank Performance; and
7. Pencapaian target. 7. Target achievement.
Selanjutnya, hasil penilaian kinerja Dewan Komisaris dan Direksi Furthermore, the results of the performance assessment of the
disampaikan dan dilaporkan kepada Pemegang Saham dalam Board of Commissioners and the Board of Directors are submitted
RUPS Tahunan, melalui penyampaian Laporan Pengawasan Bank and reported to the Shareholders at the Annual GMS, through
oleh Dewan Komisaris dan Laporan Pengelolaan Bank oleh Direksi. the submission of the Bank’s Supervisory Report by the Board
Setelah menelaah laporan tersebut, Pemegang Saham menerima, of Commissioners and the Bank’s Management Report by the
menyetujui, serta memberikan pelunasan dan pembebasan Board of Directors. After reviewing the report, the Shareholders
tanggung jawab sepenuhnya (acquit et de charge) kepada accepted, approved, and granted full release and discharge
anggota Dewan Komisaris dan Direksi Bank atas pelaksanaan (acquit et de charge) to the members of the Bank’s Board of
tugas dan tanggung jawab selama periode tersebut. Commissioners and Board of Directors for the implementation of
their duties and responsibilities during the period.
Penilaian kinerja Dewan Komisaris dan Direksi juga dilakukan The performance assessment of the Board of Commissioners
melalui self-assessment GCG yang berpedoman pada Peraturan and the Board of Directors is also conducted through GCG
Otoritas Jasa Keuangan No. 17 Tahun 2023 dan Surat Edaran self-assessment guided by Financial Services Authority Regulation
Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang No. 17 of 2023 and Financial Services Authority Circular
Penerapan Tata Kelola Perusahaan bagi Bank Umum. Kriteria No. 13/SEOJK.03/2017 on the Implementation of Corporate
penilaian tersebut mengutamakan efektivitas pelaksanaan tugas Governance for Commercial Banks. The assessment criteria
dan tanggung jawab dari Dewan Komisaris dan Direksi selama prioritize the effectiveness of the implementation of duties and
tahun buku. responsibilities of the Board of Commissioners and Board of
Directors during the fiscal year.
Penilaian Kinerja Komite Pendukung Performance Assessment of the Board of
Dewan Komisaris Commissioners’ Supporting Committees
Komite pendukung Dewan Komisaris Bank terdiri dari Komite The supporting committees of the Bank’s Board of Commissioners
Audit, Komite Nominasi dan Remunerasi, serta Komite Pemantau consist of the Audit Committee, Nomination and Remuneration
Risiko. Kinerja komite pendukung Dewan Komisaris tersebut Committee, and Risk Monitoring Committee. The performance
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260 Laporan Tahunan 2023
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dievaluasi secara berkala oleh Dewan Komisaris dengan kriteria of the supporting committees of the Board of Commissioners is
penilaian sebagai berikut: evaluated periodically by the Board of Commissioners with the
following assessment criteria:
1. Ketepatan laporan yang diberikan kepada Dewan Komisaris; 1. Accuracy of reports given to the Board of Commissioners;
2. Tingkat kehadiran dan partisipasi masing-masing anggota 2. The level of attendance and participation of each committee
komite pada saat rapat; serta member at the meeting; and
3. Keaktifan anggota pada saat rapat. 3. Activeness of members at the meeting.
Pada tahun 2023, Dewan Komisaris menilai seluruh komite In 2023, the Board of Commissioners assessed that all supporting
pendukung Dewan Komisaris telah menjalankan tugas dan committees of the Board of Commissioners have carried out their duties
tanggung jawabnya dengan baik dan efektif serta membantu and responsibilities well and effectively and assisted the implementation
pelaksanaan tugas Dewan Komisaris di sepanjang tahun 2023. of the duties of the Board of Commissioners throughout 2023.
Penilaian Kinerja Komite Pendukung Performance Assessment of the Board of
Direksi Directors’ Supporting Committee
Komite pendukung Direksi Bank terdiri dari Komite Manajemen The supporting committees of the Bank’s Board of Directors
Risiko, Komite Kredit, Komite Kebijakan Perkreditan, ALCO, consist of the Risk Management Committee, Credit Committee,
Komite Pengarah Teknologi Informasi, dan Komite Produk. Kinerja Credit Policy Committee, ALCO, Information Technology Steering
komite pendukung Direksi tersebut dievaluasi secara berkala oleh Committee, and Product Committee. The performance of the
Direksi dengan kriteria penilaian sama dengan kriteria penilaian supporting committees of the Board of Directors is evaluated
kinerja komite pendukung Dewan Komisaris. periodically by the Board of Directors with the same assessment
criteria as the performance assessment criteria of the supporting
committees of the Board of Commissioners.
Pada tahun 2023, Direksi menilai seluruh komite pendukung In 2023, the Board of Directors assessed that all supporting
Direksi telah menjalankan tugas dan tanggung jawabnya dengan committees of the Board of Directors have performed their duties and
baik dan efektif serta membantu pelaksanaan tugas Direksi di responsibilities well and effectively and assisted the implementation
sepanjang tahun 2023. of the duties of the Board of Directors throughout 2023.
Kebijakan Nominasi Dewan Komisaris dan Nomination Policy of the Board of
Direksi Commissioners and Board of Directors
Proses nominasi Dewan Komisaris dan Direksi Bank Ina merupakan The nomination process for Bank Ina’s Board of Commissioners
bagian dari tanggung jawab Komite Nominasi dan Remunerasi. and Board of Directors is part of the Nomination and Remuneration
Alur proses nominasi tersebut, yakni Komite Nominasi dan Committee’s responsibilities. The nomination process flow is the
Remunerasi menyerahkan daftar nama calon anggota Dewan Nomination and Remuneration Committee submits a list of names
Komisaris dan Direksi dalam pelaksanaan rapat internal Dewan of prospective members of the Board of Commissioners and Board
Komisaris. Calon anggota Dewan Komisaris dan Direksi terpilih of Directors in the Board of Commissioners’ internal meeting.
karena telah memenuhi kriteria Bank, kemudian akan diangkat Candidates for members of the Board of Commissioners and Board
dalam RUPS. Meskipun demikian, pihak yang diangkat sebagai of Directors are selected because they have met the Bank’s criteria,
Dewan Komisaris dan Direksi tersebut dilarang melaksanakan and then they are appointed in the GMS. Nevertheless, the parties
tugas dan tanggung jawabnya sebagai Dewan Komisaris appointed as the Board of Commissioners and Board of Directors
dan Direksi Bank Ina sebelum memperoleh predikat lulus uji are prohibited from carrying out their duties and responsibilities
kemampuan dan kepatutan (fit and proper test) dari otoritas as the Board of Commissioners and Board of Directors of Bank Ina
berwenang. before passing the fit and proper test from authorized authority.
Kebijakan Remunerasi Dewan Komisaris Remuneration Policy of the Board of
dan Direksi Commissioners and Board of Directors
Dasar dan Kebijakan Remunerasi Remuneration Basis and Policy for the Board of
Dewan Komisaris dan Direksi Commissioners and Board of Directors
Penetapan remunerasi Dewan Komisaris dan Direksi Bank The determination of the remuneration of the Board
Ina merujuk pada Peraturan Otoritas Jasa Keuangan of Commissioners and the Board of Directors of Bank
No. 45/POJK.03/2015, Surat Edaran Otoritas Jasa Keuangan Ina refers to the Financial Services Authority Regulation
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Tata Kelola Perusahaan
Corporate Governance
No. 40/SEOJK.03/2016 tentang Penerapan Tata Kelola No. 45/POJK.03/2015, Circular Letter of the Financial Services
dalam Pemberian Remunerasi Bank Umum, serta Kebijakan Authority No. 40/SEOJK.03/2016 on the Implementation of
No. HC/002/1222 tentang Kebijakan Tata Kelola dalam Pemberian Governance in Providing Remuneration for Commercial Banks, as
Remunerasi. well as Policy No. HC/002/1222 on Governance Policy in Providing
Remuneration.
Prosedur dan Penetapan Remunerasi Procedures and Determination of Remuneration
Dewan Komisaris dan Direksi for the Board of Commissioners and Board of
Directors
Prosedur dan penetapan remunerasi Dewan Komisaris dan Direksi The procedure and determination of the remuneration of the
Bank dijelaskan sebagai berikut. Bank’s Board of Commissioners and Board of Directors are
described below.
1 2 3 4
Pemegang Saham melakukan RUPS memberikan wewenang dan Komite Nominasi dan Remunerasi Komite Nominasi dan Remunerasi
pembahasan pada RUPS. kuasa kepada Dewan Komisaris melakukan kajian dan evaluasi untuk memberikan rekomendasi kepada
Shareholders conduct discussions untuk menetapkan besaran menentukan remunerasi bagi Dewan Dewan Komisaris dan Direksi.
at the GMS. remunerasi. Komisaris. The Nomination and
The GMS gives authority and power The Nomination and Remuneration Remuneration Committee provides
to the Board of Commissioners Committee conducts studies recommendations to the Board
to determine the remuneration and evaluations to determine of Commissioners and Board of
amount. remuneration for the Board of Directors.
Commissioners.
7 6 5
Surat Dewan Komisaris kepada Direksi Surat Penetapan oleh Pemegang Saham Dewan Komisaris melakukan pembahasan
tentang Penetapan Remunerasi Dewan Pengendali (Bank Ina) kepada Dewan Komisaris. atas usulan Komite Nominasi dan Remunerasi
Komisaris dan Direksi. Letter of Determination by the Controlling untuk kemudian diusulkan melalui surat kepada
The Board of Commissioners discusses the Shareholder (Bank Ina) to the Board of Pemegang Saham Pengendali (Bank Ina).
Nomination and Remuneration Committee’s Commissioners. The Board of Commissioners discusses the
proposal to be proposed by letter to the Nomination and Remuneration Committee’s
Controlling Shareholder (Bank Ina). proposal to be proposed by letter to the
Controlling Shareholder (Bank Ina).
Indikator dan Jenis Penetapan Remunerasi Indicators and Types for Determining
Dewan Komisaris dan Direksi Remuneration for the Board of Commissioners
and Board of Directors
Indikator penetapan remunerasi Dewan Komisaris dan Direksi The indicators for determining the remuneration of the Board of
diuraikan sebagai berikut: Commissioners and Board of Directors are described below:
1. Tugas, tanggung jawab, dan wewenang masing-masing 1. Duties, responsibilities, and authorities of each member of
anggota Dewan Komisaris dan Direksi, serta pemenuhannya; the Board of Commissioners and Board of Directors, and the
fulfillment;
2. Hasil survei besaran remunerasi di industri perbankan; 2. The survey results on the remuneration amount in the banking
industry;
3. Skala dan kompleksitas usaha; 3. Business scale and complexity;
4. Tingkat inflasi; 4. Inflation rate;
5. Kondisi dan kemampuan keuangan Bank; 5. Bank’s financial condition and capacity;
6. Kinerja keuangan Bank; serta 6. Bank financial performance; and
7. Tidak bertentangan dengan peraturan perundang-undangan 7. Does not conflict with applicable laws and regulations.
yang berlaku.
Sementara itu, jenis remunerasi yang diberikan kepada Dewan Meanwhile, the types of remuneration provided to the Board of
Komisaris dan Direksi sebagai berikut. Commissioners and Board of Directors are as follows.
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Jenis Remunerasi Penjelasan
Type of Remuneration Explanation
Remunerasi yang Remunerasi yang diberikan dalam bentuk tunai atau dalam bentuk lain yang tidak dikaitkan dengan kinerja dan risiko, seperti
Bersifat Tetap gaji pokok, tunjangan, fasilitas, tunjangan perumahan, tunjangan kesehatan, tunjangan pendidikan, tunjangan hari raya, dan
Fixed Remuneration pensiun.
Remuneration provided in cash or in other forms that are not linked to performance and risk, such as basic salary, allowances,
facilities, housing allowances, health benefits, education allowances, holiday allowances, and pension.
Remunerasi yang Remunerasi yang dikaitkan dengan kinerja dan risiko, yang diberikan dalam bentuk tunai dan/atau saham atau instrumen
Bersifat Variabel yang berbasis saham yang diterbitkan Bank. Pemberian remunerasi ini secara khusus mendorong prudent risk taking serta
Variable Remuneration diberikan dengan memperhatikan risiko yang paling berpengaruh dalam kegiatan usaha (risiko utama).
Remuneration linked to performance and risk, which is provided in the form of cash and/or shares or share-based instruments
issued by the Bank. This remuneration is especially encouraging prudent risk taking and given by considering the most
influential risks in business activities (main risk).
Penetapan Material Risk Takers (MRT) Determination of Material Risk Takers (MRT)
Bank Ina menetapkan Material Risk Takers (MRT) melalui Bank Ina determines Material Risk Takers (MRT) through 2
2 pendekatan, yaitu: approaches, namely:
1. Metode kualitatif, yakni sesuai dengan porsi tanggung jawab 1. Qualitative method, namely in accordance with the portion of
yang berpengaruh terhadap profil risiko utama yang akan responsibilities that affect the main risk profile which will be
ditentukan berdasarkan evaluasi profil risiko Bank; serta determined based on an evaluation of the Bank’s risk profile; and
2. Metode kuantitatif, yakni melalui perbandingan penerimaan 2. Quantitative method, namely through a comparison of variable
remunerasi yang bersifat variabel antara MRT dan non-MRT remuneration receipts between MRT and non-MRT while
dengan tetap mempertimbangkan kinerja dan tingkat risiko considering the performance and risk level of the position.
jabatan.
Organ Bank yang ditetapkan menjadi bagian dari MRT adalah The organs of the Bank that are designated as part of the MRT are
anggota Direksi yang saat ini terdiri dari 5 orang. the members of the Board of Directors, which currently consists
of 5 persons.
Penangguhan atau Penarikan Kembali Suspension or Withdrawal of Remuneration
Remunerasi
Bank Ina berwewenang untuk menunda pembayaran remunerasi Bank Ina is authorized to postpone payment of deferred variable
variabel yang ditangguhkan (malus) atau mengambil kembali remuneration (malus) or clawback variable remuneration that has
remunerasi variabel yang sudah dibayarkan (clawback) kepada been paid (clawback) to the party designated as MRT, with the
pihak yang ditetapkan sebagai MRT, dengan syarat sebagai following conditions:
berikut:
1. Bank mengalami kerugian; 1. The Bank suffers losses;
2. Terjadinya risiko yang berdampak negatif terhadap keuangan 2. The occurrence of risks that have a negative impact on the
Bank; Bank’s finances;
3. Terjadinya fraud, pelanggaran hukum, perilaku tidak etis, 3. There is fraud, law violations, unethical behavior, and/or
dan/atau pemalsuan catatan oleh pihak yang menjadi MRT falsification of records by parties who become MRT which are
yang merugikan Bank; serta detrimental to the Bank; and
4. Kondisi lainnya. 4. Other conditions.
Besaran persentase penangguhan pembayaran didasarkan pada The percentage of deferment of payments is based on the Bank’s
stabilitas keuangan Bank, kecukupan dan penguatan permodalan financial stability, the adequacy and strengthening of the Bank’s
Bank, kebutuhan likuiditas jangka pendek dan jangka panjang, capital, short-term and long-term liquidity needs, and future
serta potensi pendapatan di masa yang akan datang. Sementara income potential. Meanwhile, the deferral period for payment of
itu, jangka waktu penangguhan pembayaran remunerasi paling remuneration is at least 3 years and can be adjusted to be longer,
sedikit 3 tahun dan dapat disesuaikan menjadi lebih panjang, in accordance with the risk period.
sesuai dengan jangka waktu risiko.
Penentuan Remunerasi Dikaitkan dengan Determination of Remuneration Linked to
Kinerja dan Risiko Performance and Risk
Penilaian kinerja menggunakan metode key performance indicator Performance assessment using the key performance indicator (KPI)
(KPI) menjadi dasar bagi Bank Ina dalam menentukan remunerasi method is the basis for Bank Ina in determining the remuneration
Dewan Komisaris dan Direksi. Berdasarkan hasil KPI, Komite of the Board of Commissioners and Directors. Based on the KPI
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2023 Annual Report 263
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Tata Kelola Perusahaan
Corporate Governance
Nominasi dan Remunerasi memberikan masukan/rekomendasi results, the Nomination and Remuneration Committee provides
kepada Dewan Komisaris terkait besaran remunerasi yang layak input/recommendations to the Board of Commissioners regarding
diterima. Rekomendasi tersebut kemudian disampaikan kepada the amount of remuneration that should be received. The
RUPS untuk ditetapkan remunerasi bagi Dewan Komisaris dan recommendation is then submitted to the GMS to determine
Direksi. Bank Ina juga telah menerapkan remunerasi berbasis the remuneration for the Board of Commissioners and Board of
risiko dengan adanya penetapan MRT. Directors. Bank Ina has also implemented risk-based remuneration
with the establishment of MRT.
Konsultan terkait Kebijakan Remunerasi Consultants related to Remuneration Policy
Dalam merumuskan kebijakan remunerasi, Bank belum In formulating the remuneration policy, the Bank has not used the
menggunakan jasa konsultan. services of consultants.
Struktur dan Besaran Remunerasi Remuneration Structure and Amount
Struktur dan besaran remunerasi Dewan Komisaris dan Direksi, The structure and amount of remuneration of the Board of
dijelaskan sebagai berikut: Commissioners and the Board of Directors are describedberikut:
1. Remunerasi, yaitu penghasilan dalam bentuk keuangan 1. Remuneration, namely income in financial form (non-natura)
(non-natura) antara lain gaji, tunjangan (benefit), kompensasi including salaries, allowances (benefit), compensation in the
dalam bentuk saham, bonus, dan bentuk remunerasi lainnya; form of shares, bonuses, and other forms of remuneration;
serta and
2. Fasilitas lain, yaitu fasilitas yang diterima tidak dalam 2. Other facilities, namely facilities received not in financial form
bentuk keuangan (natura), antara lain fasilitas perumahan, (natura), including housing facilities, transportation facilities,
fasilitas transportasi, fasilitas asuransi kesehatan, fasilitas health insurance facilities, telecommunications facilities, and
telekomunikasi, dan fasilitas lainnya, yang dapat dimiliki other facilities, which may or may not be owned.
maupun tidak dapat dimiliki.
Pada tahun 2023, besaran remunerasi anggota Dewan Komisaris In 2023, the remuneration amount for members of the Board of
dan Direksi Bank Ina sebagai berikut. Commissioners and Board of Directors of Bank Ina is as follows.
Jumlah Diterima dalam 1 Tahun
Amount Received in 1 Year
Dewan Komisaris Direksi
Jenis Remunerasi dan Fasilitas Lain
Board of Commissioners Board of Directors
Types of Remuneration and Other Facilities
Jutaan Rupiah Jutaan Rupiah
Orang Orang
Millions of Millions of
People People
Rupiah Rupiah
Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas
lainnya dalam bentuk non-natura)
3 3.600 6*) 23.900
Remuneration (salary, bonus, routine allowance, tantiem, and other
non-natura facilities)
Fasilitas lain dalam bentuk natura (perumahan, fasilitas kesehatan,
dan sebagainya) yang: 3 34 6*) 173
Other facilities in kind (housing, health facilities, etc.) which:
Dapat dimiliki Nihil Nihil Nihil Nihil
Can be owned None None None None
Tidak dapat dimiliki Nihil Nihil Nihil Nihil
Cannot be owned None None None None
Total 3 3.634 6*) 24.073
*) 1 orang Direksi telah meninggal dunia. / Director passed away
Jumlah Remunerasi Tunai per Orang dalam 1 Tahun*) Jumlah Dewan Komisaris Jumlah Direksi
Amount of Cash Remuneration per Person in 1 Year*) Total Board of Commissioners Total Board of Directors
Di atas Rp2 miliar
- 5**)
Above Rp2 billion
Di atas Rp1 miliar - Rp2 miliar
- 1
Above Rp1 billion - Rp2 billion
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264 Laporan Tahunan 2023
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Jumlah Remunerasi Tunai per Orang dalam 1 Tahun*) Jumlah Dewan Komisaris Jumlah Direksi
Amount of Cash Remuneration per Person in 1 Year*) Total Board of Commissioners Total Board of Directors
Di atas Rp500 juta - Rp1 miliar
3 -
Above Rp500 million - Rp1 billion
Rp500 juta ke bawah
- -
Rp500 million and below
*)
Jumlah yang diterima secara tunai. / Amount received in cash.
**)
1 orang Direksi telah meninggal dunia. / 1 Director passed away.
Jumlah Diterima dalam 1 Tahun
Amount Received in 1 Year
Remunerasi yang Bersifat
Dewan Komisaris Direksi Pegawai
Variabel yang Diterima
Board of Commissioners Board of Directors Employees
Variable Remuneration
Received Jutaan Rupiah Jutaan Rupiah Jutaan Rupiah
Orang Orang Orang
People Millions of People Millions of People Millions of
Rupiah Rupiah Rupiah
Total - - - - - -
Rasio 2023 Rasio 2022
Rasio Gaji Tertinggi dan Terendah (Kali) (Kali)
Ratio of Highest and Lowest Salary 2023 Ratio 2022 Ratio
(Time) (Time)
Rasio Gaji Karyawan Tertinggi dan Terendah
55,2 52,17
Highest and Lowest Employee Salary Ratio
Rasio Gaji Direksi Tertinggi dan Terendah
1,88 2,83
Ratio of the Highest and Lowest Board of Directors Salary
Rasio Gaji Dewan Komisaris Tertinggi dan Terendah
1,14 1,16
Ratio of the Highest and Lowest Board of Commissioners Salary
Rasio Gaji Direksi Tertinggi dan Karyawan Tertinggi
2,72 3,54
Ratio of the Highest Directors and Highest Employee Salaries
Jumlah Nominal Pesangon yang
Total Pegawai
Dibayarkan per Orang dalam 1 Tahun
Total Employees
Nominal Amount of Severance Paid per Person in 1 Year
Di atas Rp1 miliar
-
Above Rp1 billion
Di atas Rp500 juta - Rp1 miliar
3
Above Rp500 million - Rp1 billion
Di bawah Rp500 juta
8
Below Rp500 million
Opsi Saham
Total Saham Dimiliki Stock Options
Jabatan (Lembar Saham) Diberikan Telah Dieksekusi
Position Total Shares Owned (Lembar Saham) Harga Opsi
(Lembar Saham) Jangka Waktu
(Shares) Option Price
Given Executed Time Period
(Rp)
(Shares) (Shares)
Dewan Komisaris Nihil Nihil Nihil Nihil Nihil
Board of Commissioners None None None None None
Direksi Nihil Nihil Nihil Nihil Nihil
Board of Directors None None None None None
Pejabat Eksekutif Nihil Nihil Nihil Nihil
9.567
Executive Officer None None None None
Nihil Nihil Nihil Nihil
Total 9.567
None None None None
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Tata Kelola Perusahaan
Corporate Governance
Remunerasi yang Bersifat Tetap*) (Jutaan Rupiah)
1.
Fixed Remuneration*) (Million Rupiah)
Tunai
a. 24.073
Cash
Saham/Instrumen Berbasis Saham yang Diterbitkan Bank Nihil
b.
Shares/Share-Based Instruments Issued by the Bank None
Remunerasi yang Bersifat Variabel*)
(Jutaan Rupiah) Tidak Ditangguhkan Ditangguhkan
2.
Variable Remuneration*) Not Deferred Deferred
(Million Rupiah)
Tunai Nihil Nihil
a.
Cash None None
Saham/Instrumen Berbasis Saham yang Diterbitkan Bank Nihil Nihil
b.
Shares/Share-Based Instruments Issued by the Bank None None
*) Hanya untuk MRT. / Only for MRT.
Informasi Kuantitatif
Quantitative Information
Total Pengurangan Selama Periode Laporan
Total Deductions During the Reporting Period
Disebabkan Disebabkan
Jenis Remunerasi yang Bersifat Variabel *) Penyesuaian Penyesuaian
Types of Variable Remuneration*) Sisa yang Masih Eksplisit Implisit
Ditangguhkan Total
Caused by Caused by (A) + (B)
Still Deferred Explicit Implicit
Adjustment Adjustment
(A) (B)
Tunai (dalam jutaan Rupiah)
- - - -
Cash (in millions of Rupiah)
Saham/Instrumen Berbasis Saham yang Diterbitkan Bank (dalam
Lembar Saham dan Nominasi Juta Rupiah yang merupakan Konversi
dari Lembar Saham Tersebut) Nihil Nihil Nihil Nihil
Shares/Share-Based Instruments Issued by the Bank (in Shares and None None None None
Nominations in Million Rupiah which is the Conversion of the Said
Shares)
*) Hanya untuk MRT. / Only for MRT.
Informasi Lain terkait Tata Kelola Remunerasi Other Information related to Remuneration
Governance
Di sepanjang tahun 2023, tidak terdapat intervensi dari pemilik, Throughout 2023, there were no owner interventions, internal
perselisihan internal, ataupun permasalahan yang timbul sebagai disputes or issues arising from the Bank’s remuneration policy.
dampak kebijakan remunerasi Bank.
Penanganan Benturan Kepentingan Handling of Conflict of Interest of the Board
Dewan Komisaris dan Direksi of Commissioners and Board of Directors
Bank Ina berupaya untuk meminimalisir terjadinya benturan Bank Ina strives to minimize the occurrence of conflicts of
kepentingan atau conflict interest antara anggota Dewan Komisaris interest between members of the Board of Commissioners and
dan Direksi dengan menjaga sikap profesional dan menjaga aspek the Board of Directors by maintaining a professional attitude and
transparansi Bank. Kebijakan penanganan benturan kepentingan maintaining the Bank’s transparency aspects. The Bank’s conflict
Bank berpedoman pada Peraturan Otoritas Jasa Keuangan of interest handling policy is guided by the Financial Services
No. 18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi Authority Regulation No. 18/POJK.03/2014 on the Implementation
bagi Konglomerasi Keuangan, yang mengharuskan Bank untuk: of Integrated Governance for Financial Conglomerates, which
requires the Bank to:
1. Mengidentifikasi, memitigasi, dan mengelola benturan 1. Identify, mitigate, and manage conflicts of interest, including
kepentingan, termasuk yang berasal dari transaksi dengan those arising from transactions with affiliated parties and
pihak terafiliasi dan transaksi intra-grup; intragroup transactions;
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2. Melarang anggota Dewan Komisaris dan Direksi melakukan 2. Prohibit members of the Board of Commissioners and Board
tindakan yang dapat merugikan atau mengurangi keuntungan of Directors from taking actions that can harm or reduce the
perusahaan; serta company’s profits; and
3. Menyatakan adanya benturan kepentingan dalam setiap 3. Declare a conflict of interest in every decision-making process.
proses pengambilan keputusan.
Bank juga telah menyusun kebijakan internal terkait Penanganan The Bank has also developed an internal policy related to Handling
Benturan Kepentingan No. COM/002/01/0319 yang disahkan Conflict of Interest No. COM/002/01/0319 which was approved
pada tanggal 29 Maret 2019. Kebijakan tersebut menekankan on March 29, 2019. The policy emphasizes that every decision-
bahwa setiap proses pengambilan keputusan, baik di dalam making process, both inside and outside the meeting, must be
maupun di luar rapat, harus bebas dari benturan kepentingan. free from conflict of interest. Therefore, parties involved who have
Oleh karenanya, pihak-pihak yang terlibat yang memiliki benturan a conflict of interest may not participate in the decision-making
kepentingan tidak boleh ikut dalam proses pengambilan process. The Board of Commissioners, Directors and Executive
keputusan. Dewan Komisaris, Direksi, dan Pejabat Eksekutif Officers are required to avoid making decisions in situations
diwajibkan untuk menghindari pengambilan keputusan dalam and conditions where there is a conflict of interest. If it cannot
situasi dan kondisi terdapat benturan kepentingan di dalamnya. be avoided, then the party who has a conflict of interest must
Apabila tidak dapat dihindari, maka pihak yang memiliki benturan prioritize the interests of the Bank.
kepentingan harus mendahulukan kepentingan Bank.
Komite Pendukung Dewan Komisaris
Board of Commissioners Supporting Committee
Dewan Komisaris membentuk komite pendukung yang terdiri dari The Board of Commissioners established supporting committees
Komite Audit, Komite Nominasi dan Remunerasi, serta Komite consisting of the Audit Committee, Nomination and Remuneration
Pemantau Risiko untuk mengoptimalkan pelaksanaan tugas dan Committee, and Risk Monitoring Committee to optimize the
tanggung jawab Dewan Komisaris serta memastikan pengelolaan implementation of the duties and responsibilities of the Board
Bank sesuai dengan prinsip-prinsip GCG. of Commissioners and ensure the management of the Bank in
accordance with GCG principles.
Komite Audit Audit Committee
Komite Audit merupakan komite yang bertanggung jawab untuk The Audit Committee is the committee responsible for analyzing
melakukan analisa kesesuaian Laporan Keuangan Bank dengan the conformity of the Bank’s Financial Statements with financial
standar akutansi keuangan, mengawasi pelaksanaan tugas SKAI, accounting standards, overseeing the implementation of SKAI
serta mengawasi penerapan sistem pengendalian internal dan duties, and overseeing the implementation of the Bank’s internal
sistem manajemen risiko Bank. control system and risk management system.
Pedoman Kerja Charter
Komite Audit menjalankan tugas dan tanggung jawabnya The Audit Committee carries out its duties and responsibilities by
merujuk pada Piagam Komite Audit yang disahkan pada tanggal referring to the Audit Committee Charter, which was approved on
13 Desember 2023. December 13, 2023.
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Tata Kelola Perusahaan
Corporate Governance
Komposisi Composition
Per 31 Desember 2023, komposisi Komite Audit Bank diungkapkan As of December 31, 2023, the composition of the Bank’s Audit
sebagai berikut. Committee was disclosed below.
Dasar Hukum Periode
Nama Jabatan Pengangkatan Jabatan Keahlian Keterangan
Name Position Legal Basis of Term of Expertise Remark
Appointment Office
Surat Keputusan Direksi Banking, Governance, Risk Komisaris Utama/Independen
Inawaty Ketua No. SK/DIR/020/0622 Management, Assurance, and President Commissioner/
Handojo Chairperson tanggal 27 Juni 2022. Control Compliance Independent Commissioner
2022-2024
Board of Directors Decision
Ivan Purnama Anggota No. SK/DIR/020/0622 dated Manajemen Risiko dan Akuntansi Pihak Independen
Sanoesi Member June 27, 2022. Risk Management and Accounting Independent Party
Jacobus Sindu Anggota Akuntansi dan Perbankan Pihak Independen
Adisuwono Member Accounting and Banking Independent Party
Profil Profile
Profil anggota Komite Audit telah diungkapkan pada Bab Profil Profiles of Audit Committee’s members have been disclosed in the
Perusahaan di dalam Laporan Tahunan ini. Company Profile Chapter of this Annual Report.
Independensi Independency
Seluruh anggota Komite Audit Bank berkomitmen untuk All members of the Bank’s Audit Committee are committed to
mengutamakan sikap independensi dan menghindari terjadinya prioritizing independence and avoiding conflicts of interest. This
benturan kepentingan. Komitmen tersebut dibuktikan dengan commitment is evidenced by the fulfillment of the following
pemenuhan aspek independensi berikut. aspects of independence.
Aspek Independensi Inawaty Ivan Purnama Jacobus Sindu
Independency Aspect Handojo Sanoesi Adisuwono
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
Has no financial relationship with the Board of Commissioners and Board of Directors.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, maupun perusahaan afiliasi.
Has no management relationship at the Bank, Subsidiaries, or affiliated companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama
anggota Komite lainnya.
Has no family relationship with the Board of Commissioners, Board of Directors, and/or other
members of the Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah
Not serving as adminis
rators of political parties, officials, and government
√ : Terpenuhi / Fulfilled
x : Tidak terpenuhi / Not fulfilled
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Audit diuraikan sebagai The duties and responsibilities of the Audit Committee are
berikut: outlined below:
1. Bertindak secara independen dalam melaksanakan tugas dan 1. To act independently in carrying out duties and responsibilities;
tanggung jawabnya;
2. Melakukan penelaahan atas informasi keuangan yang akan 2. To review the financial information that will be issued by
dikeluarkan oleh 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 Statements, projections, and other reports related to the
terkait dengan informasi keuangan Bank; Bank’s financial information;
3. Melakukan penelaahan atas ketaatan terhadap peraturan 3. To review the compliance with laws and regulations related to
perundang-undangan yang berhubungan dengan kegiatan Bank activities;
Bank;
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268 Laporan Tahunan 2023
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4. Memberikan pendapat independen dalam hal terjadi 4. To provide an independent opinion in the event of a dissenting
perbedaan pendapat antara manajemen dan akuntan atas opinion between the management and the accountant for
jasa yang diberikannya; the services provided;
5. Memberikan rekomendasi mengenai penunjukan akuntan 5. To provide recommendations on the appointment of
publik dan kantor akuntan publik kepada Dewan Komisaris public accountant and public accounting firm to the Board
untuk disampaikan kepada RUPS yang didasarkan pada of Commissioners to be submitted to the GMS based on
independensi, ruang lingkup penugasan, dan imbalan jasa; independency, assignment scope, and services fees;
6. Melakukan penelaahan atas pelaksanaan pemeriksaan oleh 6. To review the audit conducted by internal auditors and to
auditor internal dan mengawasi pelaksanaan tindak lanjut oversee the follow-up actions taken by the Board of Directors
oleh Direksi atas temuan auditor internal; on internal auditors’ findings;
7. Menelaah pengaduan yang berkaitan dengan proses 7. To examine complaints related to the Bank’s accounting and
akuntansi dan pelaporan keuangan Bank; financial reporting processes;
8. Menelaah dan memberikan saran kepada Dewan Komisaris 8. To review and provide advice to the Board of Commissioners
terkait dengan adanya potensi benturan kepentingan Bank; on potential conflict of interest of the Bank;
9. Menjaga kerahasiaan dokumen, data, dan informasi Bank; 9. To maintain the confidentiality of documents, data, and
serta information of the Bank; and
10. Wajib mematuhi Kode Etik Komite Audit yang ditetapkan 10. Must comply with the Audit Committee’s Code of Conduct
oleh Bank. established by the Bank.
Wewenang Authority
Wewenang yang dimiliki Komite Audit sebagai berikut: The authority of the Audit Committee is as follows:
1. Memperoleh informasi yang diperlukan dan dapat 1. To obtain necessary information and communicate directly
berkomunikasi langsung dengan karyawan, termasuk Direksi with employees, including the Board of Directors and parties
dan pihak yang menjalankan fungsi audit internal, manajemen carrying out internal audit, risk management, and public
risiko, dan akuntan publik terkait dengan tugas dan tanggung accounting functions related to Audit Committee’s duties and
jawab Komite Audit; responsibilities;
2. Melibatkan pihak independen di luar anggota Komite Audit 2. To involve independent parties outside of Audit Committee
yang diperlukan untuk membantu pelaksanaan tugasnya (jika members required to assist in carrying out duties (if needed);
diperlukan); serta and
3. Melakukan kewenangan lain yang diberikan oleh Dewan 3. To carry out other authorities granted by the Board of
Komisaris. Commissioners.
Rapat Meeting
Rapat Internal Komite Audit dipimpin oleh Ketua Komite, Internal Audit Committee meetings are chaired by the Chairman
yang mana rapat tersebut dianggap sah apabila dihadiri oleh of the Committee, and the meetings are considered valid if
mayoritas anggota komite. Pada tahun 2023, Komite Audit telah attended by the majority of committee members. In 2023, the
menyelenggarakan rapat internal sebanyak 16 kali, dengan tingkat Audit Committee held internal meetings as many as 16 times,
kehadiran sebagai berikut. with the following attendance rates.
Persentase
Nama Jabatan Total Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Ketua
Inawaty Handojo 16 16 100,00
Chairperson
Anggota
Ivan Purnama Sanoesi 16 16 100,00
Member
Anggota
Jacobus Sindu Adisuwono 16 16 100,00
Member
Rata-Rata Kehadiran (%)
100,00
Average Attendance (%)
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Tata Kelola Perusahaan
Corporate Governance
Tanggal pelaksanaan rapat, agenda dan materi, serta peserta Meeting dates, agenda and materials, as well as participants of
rapat internal Komite Audit dipaparkan sebagai berikut. the Audit Committee internal meetings are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH IPS JSA
30 Januari 2023 Status Pemeriksaan SKAI per Januari 2023.
January 30, 2023 Status of SKAI Audit as of January 2023.
2 Februari 2023 Laporan Kepatuhan Semester 2 Tahun 2022.
February 2, 2023 Compliance Report Semester 2 Year 2022
27 Februari 2023 Status Pemeriksaan SKAI per Februari 2023.
February 27, 2023 Status of SKAI Audit as of February 2023.
5 April 2023 Status dan Hasil Pemeriksaan SKAI per April 2023.
April 5, 2023 Status and findings of SKAI Audit as of April 2023.
31 Mei 2023 Status dan Hasil Pemeriksaan SKAI per Mei 2023.
May 31, 2023 Status and findings of SKAI Audit as of May 2023.
12 Juli 2023 Status dan Hasil Pemeriksaan SKAI posisi Juni 2023.
July 12, 2023 Status and findings of SKAI Audit, position of June 2023.
20 Juli 2023 Laporan Pokok-Pokok dan Review Audit Universe Semester 1 Tahun 2023.
July 20, 2023 Report of the Subjects and Review Audit Uni-verse Semester 1 Year 2023.
27 Juli 2023 Kinerja Keuangan Posisi Juni 2023 dan RBB Juni 2023.
July 27, 2023 Financial Performance, Position of June 2023 and RBB June 2022
27 Juli 2023 Laporan Kepatuhan Semester 1 Tahun 2023.
July 27, 2023 Compliance Report Semester I Year 2023.
27 Juli 2023 Temuan Hasil Pemeriksaan Kredit 25 Debitur Terbesar Tahun 2022.
July 27, 2023 Credit Audit Findings of 25 Largest Debtors in 2022
Status Pemerisaan SKAI Posisi Juli - Agustus 2023 dan Hasil Pemeriksaan Kaji Ulang 3 Tahunan
6 September 2023 oleh KAP SES.
September 6, 2023 Status of SKAI Audit, Position July - August 2023 and Results of 3-Year Review Audit by KAP
SES.
25 Oktober 2023 Status Pemeriksaan SKAI per September 2023
October 25, 2023 Status of SKAI Audit as of September 2023.
25 Oktober 2023 Kinerja Keuangan per September 2023.
October 25, 2023 Financial Performance as of September 2023.
30 November 2023 Status Pemeriksaan dan Aktivitas SKAI Posisi Oktober - November 2023.
November 30, 2023 Status of SKAI Audit and Activities, Position of October - November 2023.
21 Desember 2023 Status Pemeriksaan SKAI per Desember 2023.
December 21, 2023 Status of SKAI Audit as of December 2023
Informasi Rencana Penugasan Sdr. Usep Hanafiah Dahlan untuk membawahi Fungsi Remedial
& Special Asset Management dan Penyampaian Calon Pengganti Kepala Divisi Internal Audit
21 Desember 2023 PT Bank Ina Perdana Tbk.
December 21, 2023 Information on Assignment Plan of Mr. Usep Hanafiah Dahlan to oversee the Remedial &
Special Asset Management Function and Submission of Candidates for the Head of Internal
Audit Divi-sion of PT Bank Ina Perdana Tbk.
Keterangan / Remark:
IH : Inawaty Handojo
IPS : Ivan Purnama Sanoesi
JSA : Jacobus Sindu Adisuwono
Laporan Pelaksanaan Kerja Komite Audit Audit Committee’s Work Implementation Report
Berikut informasi pelaksanaan kegiatan Komite Audit selama The following is information on the implementation of Audit
tahun 2023. Committee’s activities throughout 2023.
1. Melakukan penelaahan atas Laporan Keuangan publikasi 1. Reviewing the published Financial Statements that will be
yang akan disampaikan Bank kepada publik dan Otoritas Jasa submitted by the Bank to the public and the Financial Services
Keuangan. Authority.
2. Melakukan penelaahan atas Laporan Kepatuhan dan 2. Reviewing Compliance Reports and Implementation
Penerapan Anti Pencucian Uang dan Pencegahan Pendanaan Anti- Money Laundering and Counter-Terrorism Financing
Terorisme (APU-PPT) untuk menilai ketaatan Bank terhadap (AML-CTF) to assess the Bank’s compliance with the applicable
peraturan perundang-undangan yang berlaku. laws and regulations.
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270 Laporan Tahunan 2023
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3. Melakukan pertemuan dengan akuntan publik untuk 3. Conducting meetings with public accountant to discuss the
membahas hasil audit Laporan Keuangan Bank tahun 2022 audit results of the Bank’s Financial Statements for 2022 and
dan melakukan evaluasi terhadap kinerja akuntan publik dan evaluating the performance of public accountant and public
kantor akuntan publik yang melakukan pemeriksaan. accounting firm conducting the audits.
4. Memberikan rekomendasi kepada Dewan Komisaris mengenai 4. Providing recommendations to the Board of Commissioners
penunjukan akuntan publik dan kantor akuntan publik untuk on the appointment of public accountant and a public
pelaksanaan audit Laporan Keuangan Bank tahun 2023. accounting firm to conduct audit of the Bank’s Financial
Statements in 2023.
5. Melakukan pemantauan atas pelaksanaan rencana audit 5. Monitoring the implementation of the 2023 audit plan by
tahun 2023 oleh auditor internal dan menelaah laporan- internal auditors and reviewing the published audit reports.
laporan hasil audit yang diterbitkan.
6. Memantau pelaksanaan tindak lanjut oleh Direksi dan unit 6. Monitoring the implementation of follow-up by the Board
kerja atas temuan auditor internal, auditor eksternal, dan tim of Directors and work units on findings of internal auditors,
pemeriksa Otoritas Jasa Keuangan. external auditors, and Financial Services Authority audit team.
Evaluasi dan Rekomendasi Komite Audit dalam Evaluation and Recommendations of the
Penunjukan Kantor Akuntan Publik Audit Committee in the Appointment of Public
Accounting Firm
Komite Audit telah melakukan evaluasi dan memberikan The Audit Committee has evaluated and provided
rekomendasi dalam penunjukan KAP Purwantono, Sungkoro recommendations on the appointment of KAP Purwantono,
& Surja (Member of Ernst & Young) untuk melaksanakan audit Sungkoro & Surja (Member of Ernst & Young) to carry out the
Laporan Keuangan Bank tahun buku 2023, dengan pertimbangan audit of the Bank’s Financial Statements for the fiscal year 2023,
sebagai berikut. with the following considerations.
1. Independensi AP, KAP, dan Orang dalam KAP 1. Independency of AP, KAP, and KAP insiders
Akuntan Publik (AP), KAP dan Tim Audit yang akan The Public Accountant (AP), Public Accounting Firm (KAP),
melaksanakan pemeriksaan tidak memiliki hubungan and the Audit Team who will conduct the audit shall have
keuangan maupun hubungan keluarga, baik secara langsung no financial or family relationship, either directly or indirectly,
maupun tidak langsung, dengan Pemegang Saham, with the Shareholders, Board of Commissioners, and Board of
Dewan Komisaris, dan Direksi Bank Ina, sehingga kegiatan Directors of Bank Ina, so that the audit activities can be carried
pemeriksaan dapat dilaksanakan secara independen dan out independently and objectively.
objektif.
2. Ruang Lingkup Audit 2. Audit Scope
Ruang lingkup audit meliputi Laporan Keuangan Bank Ina The audit scope includes the Financial Statements of Bank
posisi 31 Desember 2023 dan informasi keuangan historis Ina for the position of December 31, 2023, and historical
sampai dengan tanggal tersebut, serta penilaian atas financial information up to that date, and an assessment of
kecukupan dan efektivitas sistem pengendalian internal dalam the adequacy and effectiveness of internal control system
proses penyusunan Laporan Keuangan. Ruang lingkup audit in the process of preparing Financial Statements. The audit
juga mengacu pada Surat Edaran Otoritas Jasa Keuangan scope also refers to the Financial Services Authority Circular
No. 36/SEOJK.03/2017 tanggal 11 Juli 2017 tentang Tata No. 36/SEOJK.03/2017 dated July 11, 2017, on Procedures
Cara Penggunaan Jasa Akuntan Publik dan Kantor Akuntan for Using Services of Public Accountant and Public Accounting
Publik dalam Kegiatan Jasa Keuangan, bagian ke III butir Firm in Financial Services Activities, part III point 3, which
3 yang mengatur tentang ruang lingkup audit. regulates the audit scope.
3. Imbalan Jasa Audit 3. Audit Service Fees
KAP mengajukan imbalan jasa audit yang tergolong wajar. KAP proposes compensation for audit services that are
classified as reasonable.
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Tata Kelola Perusahaan
Corporate Governance
4. Keahlian dan Pengalaman AP, KAP, dan Tim Audit dari 4. Expertise and Experience of AP, KAP, and the Audit Team
KAP from KAP
AP dan KAP telah memiliki pengalaman melakukan audit AP and KAP have experience in conducting audits of public
terhadap bank dan perusahaan terbuka, dan memiliki rekam banks and companies, and have a good track record and
jejak yang baik serta terdaftar sebagai AP dan/atau KAP pada are registered as AP and/or KAP with the Financial Services
Otoritas Jasa Keuangan. Authority.
5. Metodologi, Teknik, dan Sarana Audit yang Digunakan 5. Audit Methodology, Techniques, and Facilities Used by
KAP KAP
Audit dilakukan dengan menggunakan pendekatan risiko The audit is conducted using a risk-based audit approach
(risk-based audit) dengan melaksanakan serangkaian by performing a series of audit procedures which include
prosedur pemeriksaan yang meliputi tanya jawab, observasi, debriefing, observation, document inspection, sampling,
pemeriksaan dokumen, uji petik, konfirmasi kepada pihak confirmation to third parties, determination of the magnitude
ketiga, penentuan besar salah saji material dan prosedur audit of material misstatement, and other audit procedures in order
lainnya dalam rangka auditor mendapatkan keyakinan yang for the auditor to obtain adequate assurance to issue an
memadai untuk mengeluarkan opini atas hasil audit. opinion on the audit results.
6. Manfaat Fresh Eye Perspectives yang akan Diperoleh 6. Benefit of Fresh Eye Perspectives which will be obtained
melalui Pergantian AP, KAP, dan Tim Audit dari KAP through the replacement of AP, KAP, and the Audit Team
from KAP
Pada tahun 2023, Bank tidak melakukan pergantian KAP, In 2023, the Bank did not replace KAP, AP, and Audit Team.
AP, dan Tim Audit. Bank masih bekerja sama dengan The Bank is still working with Christophorus Alvin Kossim
Christophorus Alvin Kossim sebagai akuntan publik. as a public accountant. The replacement was done in 2020,
Pergantian hanya dilakukan pada tahun 2020, di mana hal where it was expected that this became part of fulfilling a new
tersebut diharapkan dapat menjadi bagian dari pemenuhan perspective in auditing.
adanya perspektif baru dalam pelaksanaan audit.
7. Potensi Risiko atas Penggunaan Jasa Audit oleh KAP 7. Potential Risk of Using Audit Services by the same KAP
yang sama Secara Berturut-turut untuk Kurun Waktu Consecutively for a Sufficiently Long Period
yang Cukup Panjang
KAP Purwantono, Sungkoro & Surja telah ditunjuk untuk KAP Purwantono, Sungkoro & Surja has been appointed to
melaksanakan pemeriksaan atas informasi keuangan historis carry out audits of the historical financial information of Bank
Bank Ina sejak tahun 2015, namun demikian potensi risiko Ina since 2015, however, the potential risk of using audit
penggunaan jasa audit oleh KAP yang sama secara berturut- services by the same KAP successively has been mitigated as
turut ini telah dilakukan mitigasi sebagai berikut: follows:
a. Berdasarkan hasil evaluasi, KAP selalu dapat menjaga a. Based on the evaluation results, KAP is always able to
independensi, profesionalitas, dan ketaatan pada Kode maintain independence, professionalism, and adherence
Etik Profesi dalam pelaksanaan tugasnya; serta to the Professional Code of Ethics in carrying out its
duties; and
b. Dilakukan perubahan AP (signing partner) secara berkala b. AP (signing partner) is changed periodically to maintain
untuk memelihara fresh eye perpectives di dalam fresh eye perspectives in conducting audits.
pelaksanaan audit.
8. Hasil Evaluasi terhadap Pelaksanaan Pemberian Jasa 8. Evaluation Results of the Implementation of Provision
Audit atas Informasi Keuangan Historis Tahunan oleh of Audit Services on Annual Historical Financial
AP dan KAP pada Periode Sebelumnya Information by AP and KAP in the Previous Period
Hasil evaluasi terhadap penggunaan AP dan KAP Purwantono, The evaluation results of the use of AP and KAP Purwantono,
Sungkoro & Surja dalam melaksanakan pemeriksaan atas Sungkoro & Surja in carrying out an audit of the historical
informasi keuangan historis Bank Ina pada tahun-tahun buku financial information of Bank Ina in the previous financial
sebelumnya dinilai baik. years were considered good.
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Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
Komite Nominasi dan Remunerasi dibentuk oleh Dewan Komisaris The Nomination and Remuneration Committee was established
untuk membantu dalam pelaksanaan tugas pengawasannya atau by the Board of Commissioners to assist in the implementation
hal-hal yang terkait dengan nominasi dan remunerasi anggota of its supervisory duties or matters related to the nomination and
Dewan Komisaris dan Direksi sesuai prinsip-prinsip dan praktik remuneration of members of the Board of Commissioners and
Good Corporate Governance (GCG), serta kepatuhan terhadap Board of Directors in accordance with the principles and practices
peraturan perundang-undangan yang berlaku. of Good Corporate Governance (GCG), as well as compliance with
applicable laws and regulations.
Pedoman Kerja Charter
Komite Nominasi dan Remunerasi menjalankan tugas dan The Nomination and Remuneration Committee carries out its
tanggung jawabnya merujuk pada Pedoman dan Tata Tertib Kerja duties and responsibilities by referring to the Nomination and
Komite Nominasi dan Remunerasi yang disahkan berdasarkan Remuneration Committee Charter which was approved on
Piagam Komite Remunerasi dan Nominasi yang disahkan pada December 13, 2023.
tanggal 13 Desember 2023.
Komposisi Composition
Per 31 Desember 2023, komposisi Komite Nominasi dan As of December 31, 2023, the composition of the Bank’s
Remunerasi Bank sebagai berikut. Nomination and Remuneration Committee is as follows.
Dasar Hukum Periode
Nama Jabatan Pengangkatan Jabatan Keahlian Keterangan
Name Position Legal Basis of Term of Expertise Remark
Appointment Office
Inawaty Handojo Ketua Surat Keputusan Direksi 2022-2024 Banking, Governance, Risk Komisaris Utama/Independen
Chairperson No. SK/DIR/027/0722 tanggal Management, Assurance, and President Commissioner/
18 Juli 2022. Control Compliance Independent Commissioner
Board of Directors Decision
Yohanes Santoso Anggota No. SK/DIR/027/0722 dated Perbankan Komisaris Independen
Wibowo Member July 18, 2022. Banking Independent Commissioner
Josavia Rachman Anggota Perbankan Komisaris
Ichwan Member Banking Commissioner
Liza L Widyasari Anggota Perbankan Kepala Divisi Human Capital
Member Banking Head of Human Capital ivision
Profil Profile
Profil anggota Komite Nominasi dan Remunerasi telah diungkapkan Profiles of members of the Nomination and Remuneration
pada Bab Profil Perusahaan di dalam Laporan Tahunan ini. Committee have been disclosed in the Company Profile Chapter
of this Annual Report.
Independensi Independency
Seluruh anggota Komite Nominasi dan Remunerasi Bank Ina All members of Bank Ina’s Nomination and Remuneration
berkomitmen untuk mengutamakan sikap independen dan Committee are committed to prioritizing an independent attitude
menghindari terjadinya benturan kepentingan. Komitmen tersebut and avoiding conflicts of interest. This commitment is evidenced
dibuktikan dengan pemenuhan aspek independensi berikut. by the fulfillment of the following aspects of independence.
Yohanes Josavia
Aspek Independensi Inawaty Liza L
Santoso Rachman
Independency Aspect Handojo Widyasari
Wibowo Ichwan
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
Has no financial relationship with the Board of Commissioners and Board of Directors.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, maupun perusahaan afiliasi.
Has no management relationship at the Bank, Subsidiaries, or affiliated companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama
anggota komite lainnya.
Has no family relationship with the Board of Commissioners, Board of Directors, and/or
other members of the Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Not serving as administrators of political parties, officials, and government.
√ : Terpenuhi / Fulfilled
x : Tidak terpenuhi / Not fulfilled
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Tata Kelola Perusahaan
Corporate Governance
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Nominasi dan Remunerasi The duties and responsibilities of the Nomination and
sebagai berikut: Remuneration Committee are as follows:
1. Wajib bertindak secara independen dalam melaksanakan 1. Must act independently in carrying out the duties and
tugas dan tanggung jawabnya; responsibilities;
2. Terkait dengan kebijakan nominasi, wajib: 2. Regarding the nomination policy, must:
a. Menyusun dan memberikan rekomendasi mengenai a. Prepare and provide recommendations regarding the
sistem dan prosedur pemilihan dan/atau penggantian system and procedures for selecting and/or replacing
anggota Dewan Komisaris dan/atau anggota Direksi members of the Board of Commissioners and/or members
kepada Dewan Komisaris untuk disampaikan kepada of the Board of Directors to the Board of Commissioners
RUPS; to be submitted to the GMS;
b. Memberikan rekomendasi mengenai calon anggota b. Provide recommendations regarding prospective members
Dewan Komisaris dan/atau calon anggota Direksi kepada of the Board of Commissioners and/or candidates for
Dewan Komisaris untuk disampaikan kepada RUPS; members of the Board of Directors to the Board of
Commissioners to be submitted to the GMS;
c. Memberikan rekomendasi mengenai pihak independen c. Provide recommendations regarding independent parties
yang akan menjadi anggota Komite Audit serta anggota who will become members of the Audit Committee and
Komite Pemantau Risiko kepada Dewan Komisaris; serta members of the Risk Monitoring Committee to the Board
of Commissioners; and
d. Menyusun mekanisme dan melakukan penilaian kinerja d. Developing mechanisms and assessing the performance
Dewan Komisaris dan Direksi. of the Board of Commissioners and Board of Directors.
3. Terkait dengan kebijakan remunerasi wajib: 3. Regarding the remuneration policy, must:
a. Melakukan evaluasi terhadap kebijakan remunerasi a. Evaluate the remuneration policy based on performance,
yang didasarkan atas kinerja, risiko, kewajaran dengan risk, fairness with peer group, goals, and long-term
peer group, sasaran, dan strategi jangka panjang Bank, strategy of the Bank, fulfillment of reserves as stipulated
pemenuhan cadangan sebagaimana diatur dalam in the laws and regulations and potential income of the
peraturan perundang-undangan dan potensi pendapatan Bank in the future;
Bank pada masa yang akan datang;
b. Menyampaikan hasil evaluasi dan rekomendasi kepada b. Deliver evaluation results and recommendations to the
Dewan Komisaris mengenai; Board of Commissioners regarding;
• Kebijakan remunerasi bagi Dewan Komisaris dan • Remuneration policy for the Board of Commissioners
Direksi untuk disampaikan kepada RUPS; serta and Board of Directors to be submitted to the GMS;
and
•Kebijakan remunerasi bagi pegawai secara • Remuneration policy for employees in overall to be
keseluruhan untuk disampaikan kepada Direksi; submitted to the Board of Directors;
c. Memastikan bahwa kebijakan remunerasi telah sesuai c. Ensure that the remuneration policy complies with the
dengan ketentuan; serta provisions; and
d. Melakukan evaluasi secara berkala terhadap penerapan d. Conduct periodic evaluations of the implementation of
kebijakan remunerasi. remuneration policy.
Wewenang Authority
Komite Nominasi dan Remunerasi mempunyai wewenang untuk The Nomination and Remuneration Committee has the authority
memperoleh data/dokumen atau informasi mengenai Dewan to obtain data/documents or information on the Board of
Komisaris, Direksi, Pejabat Eksekutif, dan karyawan yang berkaitan Commissioners, Board of Directors, Executive Officers, and
dengan pelaksanaan tugasnya. employees related to the implementation of duties.
Rapat Meeting
Rapat internal Komite Nominasi dan Remunerasi dilaksanakan Internal meetings of the Nomination and Remuneration
sekurang-kurangnya 1 kali dalam 3 bulan yang dipimpin oleh Committee are held at least once every three months, chaired by
Ketua Komite. Rapat tersebut dianggap sah apabila dihadiri the Chairman of the Committee. The meeting is considered valid if
oleh mayoritas komite, termasuk kehadiran 1 orang Komisaris attended by the majority of the committee, including the presence
Independen dan 1 orang Pejabat Eksekutif yang membawahi of 1 Independent Commissioner and 1 Executive Officer in charge
bidang sumber daya manusia atau 1 orang perwakilan dari of human resources or 1 representative of the Bank’s employees.
pegawai Bank.
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Pada tahun 2023, Komite Nominasi dan Remunerasi telah melakukan In 2023, the Nomination and Remuneration Committee held 7
rapat sebanyak 7 kali, dengan tingkat kehadiran sebagai berikut. meetings, with the following attendance rates.
Persentase
Nama Jabatan Total Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Ketua
Inawaty Handojo 7 7 100,00
Chairperson
Anggota
Yohanes Santoso Wibowo 7 7 100,00
Member
Anggota
Josavia Rachman Ichwan 7 7 100,00
Member
Anggota
Liza L Widyasari 7 7 100,00
Member
Rata-Rata Kehadiran (%)
100,00
Average Attendance (%)
Tanggal pelaksanaan rapat, agenda dan materi, serta peserta rapat The dates of the meetings, agendas and materials, as well as
internal Komite Nominasi dan Remunerasi dipaparkan sebagai participants of the Nomination and Remuneration Committee
berikut. internal meetings are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
IH YSW JRI LLW
24 Maret 2023 Usulan Penunjukan Co-Acting Direktur Utama.
March 24, 2023 Proposal of Appointment of Co-Acting President Director.
4 April 2023 Informasi Update Kegiatan Human Capital.
April 4, 2023 Information on Update on Human Capital Activities.
17 April 2023 Rekomendasi Perubahan Susunan Direksi.
April 17, 2023 Recommendations for Changes in the Board of Directors’ Composition.
8 Mei 2023 Rekomendasi Penunjukan Direktur Bisnis Retail.
May 8, 2023 Recommendation for the Appointment of Director of Retail Business
7 Juni 2023 Informasi Penyesuaian Gaji Tahun 2023 dan Pemberian Tunjangan Jabatan
June 7, 2023 bagi Pemimpin Cabang.
Information on Salary Adjustments for 2023 and Provision of Position
Allowances for Branch Managers.
28 Agustus 2023 Informasi Summary Perubahan Struktur Organisasi.
August 28, 2023 Information on Summary of Changes in Organizational Structure.
5 Desember 2023 Update Kebijakan di Bidang Sumber Daya Manusia, Pembahasan KPI Dewan
December 5, 2023 Komisaris dan Direksi, serta Usulan Program yang akan Diajukan kepada Direksi.
Updates on Human Resources Policy, Discussion of KPI for the Board of
Commissioners and Board of Directors, and Proposals of Program to be
Submitted to the Board of Directors.
Keterangan / Remark:
IH : Inawaty Handojo JRI : Josavia Rachman Ichwan
YSW : Yohanes Santoso Wibowo LLW : Liza L Widyasari
Laporan Pelaksanaan Kerja Komite Nominasi Report on the Work Implementation of
dan Remunerasi Nomination and Remuneration Committee
Berikut informasi pelaksanaan kegiatan Komite Nominasi dan The following is information on the implementation of Nomination
Remunerasi selama tahun 2023. and Remuneration Committee’s activities during 2023.
1. Memberikan rekomendasi kepada Dewan Komisaris atas 1. Providing recommendations to the Board of Commissioners
penunjukkan Co-Acting Direktur Utama. on the appointment of Co-Acting President Director.
2. Memberikan rekomendasi kepada Dewan Komisaris atas 2. Providing recommendations to the Board of Commissioners
perubahan susunan Direksi. on the changes in the composition of the Board of Directors.
3. Memberikan rekomendasi kepada Dewan Komisaris atas 3. Providing recommendations to the Board of Commissioners
pengusulan anggota Direksi yang baru. on the proposal of new members of the Board of Directors.
4. Memberikan masukan atas beberapa hal yang menjadi 4. Providing inputs on some of the things that become a
agenda pembahasan. discussion agenda.
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Tata Kelola Perusahaan
Corporate Governance
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko membantu Dewan Komisaris dalam The Risk Monitoring Committee assists the Board of Commissioners
menerapkan prinsip-prinsip GCG terutama terkait manajemen in implementing GCG principles, especially in relation to risk
risiko. Komite Pemantau Risiko mengawasi proses perbaikan management. The Risk Monitoring Committee oversees the Bank’s
berkelanjutan di Bank, memastikan kepatuhan terhadap continuous improvement process, ensures compliance with risk
kebijakan, prosedur, dan praktik risiko di semua tingkat organisasi, policies, procedures and practices at all levels of the organization,
serta menjamin pelaksanaan manajemen risiko yang efektif dan and ensures the implementation of effective and controlled risk
terkendali. management.
Pedoman Kerja Charter
Komite Pemantau Risiko menjalankan tugas dan tanggung The Risk Monitoring Committee carries out its duties and
jawabnya merujuk pada Pedoman dan Tata Tertib Kerja Komite responsibilities referring to the Risk Monitoring Committee
Pemantau Risiko yang disahkan pada tanggal 13 Desember 2023. Charter which was approved December 13, 2023.
Komposisi Composition
Per 31 Desember 2023, komposisi Komite Pemantau Risiko Bank As of December 31, 2023, the composition of the Bank’s Risk
sebagai berikut. Monitoring Committee is as follows.
Periode
Nama Jabatan Dasar Hukum Pengangkatan Jabatan Keahlian Keterangan
Name Position Legal Basis of Appointment Term of Expertise Remark
Office
Yohanes Surat Keputusan Direksi 2022-2024 Komisaris Independen
Ketua Perbankan
Santoso No. SK/DIR/021/0622 tanggal Independent
Chairperson Banking
Wibowo 27 Juni 2022. Commissioner
Board of Directors Decision
Manajemen Risiko dan Akuntansi
Ivan Purnama Anggota No. SK/DIR/021/0622 dated Pihak Independen
Risk Management and
Sanoesi Member June 27, 2022. Independent Party
Accounting
Jacobus Sindu Anggota Akuntansi dan Perbankan Pihak Independen
Adisuwono Member Accounting and Banking Independent Party
Profil Profile
Profil anggota Komite Pemantau Risiko telah diungkapkan pada The profiles of members of Risk Monitoring Committee have been
Bab Profil Perusahaan di dalam Laporan Tahunan ini. disclosed in the Company Profile Chapter of this Annual Report.
Independensi Independency
Seluruh anggota Komite Pemantau Risiko Bank Ina berkomitmen All members of Bank Ina’s Risk Monitoring Committee are
untuk mengutamakan sikap independen dan menghindari committed to prioritizing independence and avoiding conflicts of
terjadinya benturan kepentingan. Komitmen tersebut dibuktikan interest. This commitment is evidenced by the fulfillment of the
dengan pemenuhan aspek independensi berikut. following aspects of independence.
Yohanes Ivan Jacobus
Aspek Independensi
Santoso Purnama Sindu
Independency Aspect
Wibowo Sanoesi Adisuwono
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
Has no financial relationship with the Board of Commissioners and Board of Directors.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, maupun perusahaan afiliasi.
Has no management relationship at the Bank, Subsidiaries, or affiliated companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota
komite lainnya.
Has no family relationship with the Board of Commissioners, Board of Directors, and/or other
members of the committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Not serving as administrators of political parties, officials, and government.
√ : Terpenuhi / Fulfilled
x : Tidak terpenuhi / Not fulfilled
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Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Pemantau Risiko diuraikan The duties and responsibilities of the Risk Monitoring Committee
sebagai berikut: are outlined below:
1. Bertindak secara independen dalam melaksanakan tugas dan 1. To act independently in carrying out duties and responsibilities;
tanggung jawabnya;
2. Membantu dan memberikan rekomendasi kepada 2. To assist and provide recommendations to the Board of
Dewan Komisaris dalam rangka meningkatkan efektivitas Commissioners in order to improve the effectiveness of
pelaksanaan tugas pengawasan dan tanggung jawab di implementation of supervisory duties and responsibilities in
bidang manajemen risiko; the field of risk management;
3. Mengevaluasi kesesuaian antara kebijakan manajemen risiko 3. To evaluate the conformity between risk management policies
dengan pelaksanaan kebijakan Bank; and the implementation of Bank policies;
4. Memantau dan mengevaluasi pelaksanaan tugas Komite 4. To monitor and evaluate the implementation of duties of Risk
Manajemen Risiko dan Satuan Kerja Manajemen Risiko; Management Committee and Risk Management Work Unit;
5. Melakukan penelaahan atas efektivitas penerapan manajemen 5. To review effectiveness of risk management implementation
risiko baik dari sisi identifikasi, pengukuran, pemantauan dan in terms of identification, measurement, monitoring, and
pengendaliannya; control;
6. Menelaah tingkat kepatuhan Bank terhadap peraturan 6. To review the Bank’s compliance level with the applicable
perundang-undangan yang berlaku terkait dengan penerapan laws and regulations related to the implementation of
manajemen risiko dan memastikan bahwa laporan- risk management and to ensure that reports related to the
laporan terkait dengan penerapan manajemen risiko yang implementation of risk management are submitted to the
disampaikan kepada instansi terkait telah dilakukan dengan relevant agencies correctly and timely;
benar dan tepat waktu;
7. Mengevaluasi kebijakan atau keputusan yang telah diambil 7. To evaluate policies or decisions taken by the Board of
oleh Direksi atau Dewan Komisaris terkait dengan penerapan Directors or the Board of Commissioners related to the
manajemen risiko; implementation of risk management;
8. Menjaga kerahasiaan dokumen, data, dan informasi Bank; 8. To maintain confidentiality of documents, data, and
serta information of the Bank; and
9. Wajib mematuhi Pedoman dan Tata Tertib Kerja Komite 9. Must comply with the Risk Monitoring Committee Charter.
Pemantau Risiko.
Wewenang Authority
Wewenang yang dimiliki oleh Komite Pemantau Risiko dijelaskan The authority of the Risk Monitoring Committee is explained as
sebagai berikut: follows:
1. Memperoleh informasi yang diperlukan dan dapat 1. Obtaining necessary information and communicating directly
berkomunikasi langsung dengan karyawan, termasuk Direksi, with employees, including the Board of Directors, and parties
dan pihak yang menjalankan fungsi audit internal, manajemen carrying out the functions of internal audit, risk management,
risiko, dan akuntan publik terkait tugas dan tanggung jawab and public accountant regarding the duties and responsibilities
Komite Pemantau Risiko; of the Risk Monitoring Committee;
2. Melibatkan pihak independen di luar anggota Komite 2. Involving independent parties outside the Risk Monitoring
Pemantau Risiko yang diperlukan untuk membantu Committee members required to assist in carrying out duties
pelaksanaan tugasnya (jika diperlukan); serta (if needed); and
3. Melakukan kewenangan lain yang diberikan oleh Dewan 3. Carrying out other authorities granted by the Board of
Komisaris. Commissioners.
Rapat Meeting
Rapat internal Komite Pemantau Risiko dipimpin oleh Ketua Internal meetings of the Risk Monitoring Committee are chaired by
Komite, yang mana rapat tersebut dianggap sah apabila dihadiri the Chairman of the Committee, and the meetings are considered
oleh mayoritas anggota Komite Pemantau Risiko. Selama tahun valid if attended by the majority of Risk Monitoring Committee
2023, Komite Pematau Risiko telah melaksanakan rapat internal members. During 2023, the Risk Monitoring Committee has
sebanyak 9 kali, dengan tingkat kehadiran sebagai berikut. conducted internal meetings as many as 9 times, with the
following attendance rates.
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Tata Kelola Perusahaan
Corporate Governance
Persentase
Nama Jabatan Total Rapat Kehadiran
Percentage
Name Position Total Meetings Attendance
(%)
Ketua
Yohanes Santoso Wibowo 9 9 100,00
Chairperson
Anggota
Ivan Purnama Sanoesi 9 9 100,00
Member
Anggota
Jacobus Sindu Adisuwono 9 9 100,00
Member
Rata-Rata Kehadiran (%)
100,00
Average Attendance (%)
Tanggal pelaksanaan rapat, agenda dan materi, serta peserta rapat The dates of the meetings, agendas and materials, as well as
internal Komite Pemantau Risiko dipaparkan sebagai berikut. the participants of the internal meetings of the Risk Monitoring
Committee are presented below.
Kehadiran
Tanggal Attendance
Agenda
Date
YSW IPS JSA
• Tingkat Kesehatan Bank; dan
2 Februari 2023 • Rencana Kerja Divisi Manajemen Risiko 2023.
February 2, 2023 • Bank Soundness Level; and
• Risk Management Division Work Plan 2023.
29 Maret 2023 Evaluasi Penerapan Manajemen Risiko Tahun 2022.
March 29, 2023 Evaluation of Risk Management Implementation in 2022.
11 Mei 2023 Pembahasan Profil Risiko.
March 11, 2023 Risk Profile Discussion.
5 Juli 2023 Perubahan Parameter Profil Risiko 2023.
July 5, 2023 Changes in Risk Profile Parameters 2023.
18 Juli 2023 Profil Risiko Triwulan II 2023.
July 18, 2023 Risk Profile for the second quarter of 2023.
3 Agustus 2023 Laporan kepada Dewan Komisaris: Cyber Security.
August 3, 2023 Report to the Board of Commissioners: Cyber Security.
25 Oktober 2023 Profil Risiko Bank Triwulan III 2023.
October 25, 2023 Bank Risk Profile for the third quarter of 2023.
• Laporan Hasil Analisis Surat Otoritas Jasa Keuangan; dan
30 November 2023 • Tindak Lanjut Memo Dewan Komisaris.
November 30, 2023 • Analysis Report of Financial Services Authority Letter; and
• Follow-up of Board of Commissioners Memo.
21 Desember 2023
Risk Dashboard.
December 21, 2023
Keterangan/ Remark:
YSW : Yohanes Santoso Wibowo
IPS : Ivan Purnama Sanoesi
JSA : Jacobus Sindu Adisuwono
Laporan Pelaksanaan Kerja Komite Pemantau Risk Monitoring Committee’s Work
Risiko Implementation Report
Berikut informasi pelaksanaan kegiatan Komite Pemantau Risiko The following is information on the implementation of the Risk
selama tahun 2023. Monitoring Committee activities throughout 2023.
1. Melakukan evaluasi terhadap Laporan Profil Risiko dan 1. Evaluating the Bank’s Risk Profile Report and Soundness Level.
Tingkat Kesehatan Bank.
2. Memantau penerapan manajemen risiko dalam rangka 2. Monitoring the implementation of risk management in the
Rencana Aksi Keuangan Berkelanjutan. framework of Sustainable Finance Action Plan.
3. Memantau dampak pandemi Covid-19 terhadap risiko kredit; 3. Monitoring the impact of the Covid-19 pandemic on credit risk;
4. Melakukan evaluasi atas penerapan manajemen risiko 4. Evaluating the implementation of risk management in
dibandingkan dengan kebijakannya. comparison with the policies.
5. Melakukan evaluasi atas pelaksanaan stress test risiko pasar, 5. Evaluating the stress test for market risk, liquidity risk, and
likuiditas, dan risiko kredit. credit risk.
6. Melakukan evaluasi pelaksanaan tugas Satuan Kerja 6. Evaluating the implementation of duties of Risk Management
Manajemen Risiko. Work Unit.
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Komite Pendukung Direksi
Board of Directors Supporting Committee
Direksi Bank membentuk komite pendukung yang terdiri dari The Bank’s Board of Directors established supporting committees
Komite Manajemen Risiko, Komite Kredit, Komite Kebijakan consisting of Risk Management Committee, Credit Committee,
Perkreditan, Assets Liability Committee (ALCO), Komite Pengarah Credit Policy Committee, Assets Liability Committee (ALCO),
Teknologi Informasi, dan Komite Produk. Komite pendukung Information Technology Steering Committee, and Product
Direksi dibentuk bertujuan untuk membantu Direksi dalam Committee. The supporting committees of the Board of Directors
menjalankan aktivitas operasi Bank. were established to assist the Board of Directors in carrying out
the Bank’s operations.
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko merupakan komite yang bertugas The Risk Management Committee is the committee in charge
dan bertanggung jawab untuk mengawasi dan mengelola risiko, and responsible for overseeing and managing risks, providing
memberikan rekomendasi terkait mitigasi risiko, serta memastikan recommendations related to risk mitigation, and ensuring the
penerapan sistem manajemen risiko telah diterapkan secara implementation of a risk management system has been thoroughly
menyeluruh oleh masing-masing divisi/unit kerja Bank. implemented by each division/work unit of the Bank.
Pedoman Kerja Charter
Komite Manajemen Risiko menjalankan tugas dan tanggung The Risk Management Committee carries out its duties and
jawabnya berpedoman pada Peraturan Otoritas Jasa Keuangan responsibilities based on the Financial Services Authority
No. 18/POJK.03/2016 tanggal 22 Maret 2016 tentang Penerapan Regulation No. 18/POJK.03/2016 dated March 22, 2016 on the
Manajemen Risiko bagi Bank Umum dan Surat Edaran Otoritas Implementation of Risk Management for Commercial Banks and
Jasa Keuangan No. 34/SEOJK.03/2016 tanggal 1 September 2016 the Financial Services Authority Circular No. 34/SEOJK.03/2016
tentang Penerapan Manajemen Risiko bagi Bank Umum. dated September 1, 2016 on the Implementation of Risk
Management for Commercial Banks.
Komposisi Keanggotaan Composition
Pembentukan Komite Manajemen Risiko Bank Ina mengacu pada The establishment of Bank Ina’s Risk Management
Surat Keputusan Direksi No. SK/DIR/063/1221 tentang Susunan Committee refers to the Board of Directors’ Decision Letter
Keanggotaan Komite Manajemen Risiko, dengan komposisi No. SK/DIR/063/1221 on the Composition of the Risk Management
keanggotaan sebagai berikut. Committee, with the following composition.
Ketua
Direktur Manajemen Risiko dan Kepatuhan Director of Risk Management and Compliance
Chairperson
Anggota Tetap • Direktur Utama • President Director
Permanent Members • Direktur Keuangan • Director of Finance
• Direktur Bisnis Retail • Director of Retail Business
• Wakil Direktur Utama • Vice President Director
• Chief Commercial Banking Officer • Chief Commercial Banking Officer
• Kepala Divisi Manajemen Risiko • Head of Risk Management Division
• Kepala Divisi Network & Branch Development • Head of Network & Branch Development Division
• Kepala Divisi Komersial Banking • Head of Commercial Banking Division
• Kepala Divisi Branch Operation & Control Unit • Head of Branch Operation & Control Unit Division
• Kepala Satuan Kerja Remedial & Special Asset • Head of Remedial & Special Asset Management
Management Division
• Kepala Divisi Audit Internal • Head of Internal Audit Division
• Kepala Divisi Legal • Head of Legal Division
• Kepala Divisi Kredit Review • Head of Credit Review Division
• Kepala Divisi Human Capital • Head of Human Capital Division
• Kepala Divisi Credit Administration • Head of Credit Administration Division
• Kepala Divisi Treasury & Financial Institution • Head of Treasury & Financial Institution Division
• Kepala Divisi Kebijakan, Sistem & Prosedur • Head of Policy, System & Procedure Division
• Kepala Departemen Kepatuhan & APU-PPT • Head of Compliance & AML-CTF Department
• Kepala Divisi Digital Governance • Head of Digital Governance Division
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Tata Kelola Perusahaan
Corporate Governance
Independensi Independency
Seluruh anggota Komite Manajemen Risiko Bank Ina telah All members of Bank Ina’s Risk Management Committee have
berkomitmen untuk mengutamakan sikap independen, penuh committed to prioritizing independence, prudence, maintaining
kehati-hatian, menjaga objektivitas, serta menghindari terjadinya objectivity, and avoiding conflicts of interest in carrying out their
benturan kepentingan selama menjalankan tugas dan tanggung duties and responsibilities.
jawabnya.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Manajemen Risiko sebagai The duties and responsibilities of the Risk Management Committee
berikut: are as follows:
1. Penyusunan Kebijakan Manajemen Risiko serta perubahannya, 1. To formulate Risk Management Policy and its changes,
termasuk strategi manajemen risiko, tingkat risiko yang including risk management strategy, level of risk taken and
diambil dan toleransi risiko, kerangka manajemen risiko serta risk tolerance, risk management framework and contingency
rencana kontinjensi untuk mengantisipasi terjadinya kondisi plans to anticipate abnormal conditions;
tidak normal;
2. Penyempurnaan proses manajemen risiko secara berkala 2. To improve risk management process periodically or
maupun bersifat insidental sebagai akibat dari suatu incidentally as a result of a change in the Bank’s external
perubahan kondisi eksternal dan internal Bank yang and internal conditions that affect capital adequacy, the
memengaruhi kecukupan permodalan, profil risiko Bank, dan Bank’s risk profile, and the ineffective implementation of risk
tidak efektifnya penerapan manajemen risiko berdasarkan management based on evaluation results; and
hasil evaluasi; serta
3. Penetapan kebijakan dan/atau keputusan bisnis yang 3. To determine policies and/or business decisions that deviate
menyimpang dari prosedur normal, seperti pelampauan from normal procedures, such as significant excess business
ekspansi usaha yang signifikan dibandingkan dengan expansion compared to the Bank’s predetermined business
rencana bisnis Bank yang telah ditetapkan sebelumnya atau plan or taking a position or risk exposure that exceeds a
pengambilan posisi atau eksposur risiko yang melampaui limit predetermined limit.
yang telah ditetapkan.
Rapat Meeting
Pada tahun 2023, Komite Manajemen Risiko telah melakukan In 2023, the Risk Management Committee met 4 times, with the
rapat sebanyak 4 kali, dengan agenda sebagai berikut. following agenda.
Tanggal
Agenda
Date
27 Juni 2023 Perubahan Parameter Profil Risiko. Changes in Risk Profile Parameters.
June 27, 2023
18 Juli 2023 Pembahasan Laporan Profil Risiko Triwulan II 2023 dan Discussion of Risk Profile Report for Quarter II 2023 and
July 18, 2023 Pembahasan Unusual Transaction (UTR) pada aplikasi Discussion of Unusual Transactions (UTR) on APU-JIARSI
APU-JIARSI. application.
10 Oktober 2023 Pembahasan Laporan Profil Risiko Triwulan III 2023. Discussion of Risk Profile Report for Quarter III 2023
October 10, 2023
15 Desember 2023 • Pembahasan Hasil Simulasi Table Top Exercise Insiden • Discussion of Ransomware Incident Table Top Exercise
December 15, 2023 Ransomware; dan Simulation Results; and
• Penyempurnaan SOP Insiden Siber. • Refinement of Cyber Incident SOP.
Realisasi Program Kerja Tahun 2023 Realization of the 2023 Work Program
Berikut informasi pelaksanaan kegiatan Komite Manajemen Risiko The following is information on the implementation of the Risk
selama tahun 2023. Management Committee activities throughout 2023.
1. Melakukan evaluasi atas arah dan sasaran Bank dalam 1. Evaluating the direction and goals of the Bank in formulating
penyusunan kebijakan, strategi, dan pedoman penerapan policies, strategies, and guidelines for implementing risk
manajemen risiko serta perubahannya. management and their changes.
2. Melakukan monitoring terhadap perkembangan dan 2. Monitoring the development and trend of total risk exposure
kecenderungan eksposur risiko total dari Bank dan from the Bank and proposing an acceptable level of overall
mengusulkan tingkat toleransi risiko keseluruhan yang dapat risk tolerance (risk appetite).
diterima (risk appetite).
3. Melakukan kajian mengenai total eksposur risiko yang 3. Reviewing the total risk exposure faced by the Bank and its
dihadapi Bank beserta dampaknya. impact.
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4. Melakukan penilaian atas kecukupan modal Bank 4. Assessing the Bank’s capital adequacy in facing the risk of
dalam menghadapi risiko kerugian yang timbul dengan losses that arise using various stress testing scenarios.
menggunakan berbagai skenario stress testing.
5. Mengembangkan metode pengukuran risiko, contingency 5. Developing risk measurement methods, contingency plan
plan dalam kondisi tidak normal worst case scenario, serta under abnormal conditions, worst case scenario, as well as
metode lainnya yang berkaitan dengan manajemen risiko other methods related to the Bank’s risk management.
Bank.
6. Melakukan kajian atas penetapan (justification) terkait dengan 6. Reviewing the justification related to business decisions that
keputusan-keputusan bisnis yang menyimpang dari prosedur deviate from normal procedures (irregularities).
normal (irregularities).
7. Melakukan kajian atas rencana dan implementasi terhadap 7. Reviewing plans and implementation of issuance and/or
penerbitan dan/atau perubahan ketentuan/kebijakan dari amendments to provisions/policies from the competent
otoritas yang berwenang. authorities.
Program Kerja Tahun 2024 2024 Work Program
Komite Manajemen Risiko telah menyusun program kerja untuk The Risk Management Committee has developed a work program
tahun 2024, yaitu: for 2024, namely:
1. Satuan Kerja Manajemen Risiko akan melakukan 1. The Risk Management Working Unit will make improvements
improvement terhadap pengelolaan manajemen risiko yang to the management of risk management held by the Bank so
dimiliki oleh Bank agar risiko-risiko yang dimiliki tersebut tidak that the risks held do not cause losses to the Bank;
menimbulkan kerugian bagi Bank;
2. Satuan Kerja Manajemen Risiko akan mengimplementasikan 2. The Risk Management Work Unit will imple-ment gradually
secara bertahap perangkat implementasi manajemen risiko the operational risk manage-ment implementation device,
operasional, baik di kantor pusat maupun di kantor cabang, whether at the central office or in the branch office, namely:
yakni: a. Risk Control Self Assesment (RCSA), is a means of
a. Risk Control Self Assesment (RCSA), merupakan sarana conducting assessment and as-sessment of potential risks
unit kerja melakukan assessment dan penilaian atas owned by the work unit;
potensi risiko-risiko yang dimiliki oleh unit kerja; b. Loss Event Database (LED), is a means that is used as a
b. Loss Event Database (LED), merupakan sarana yang record of operational losses that occur in the work unit
digunakan sebagai pencatatan kerugian operasional yang and will be used as a bank’s loss database so that Bank
terjadi di unit kerja dan akan digunakan sebagai database losses can be managed and well mitigated;
kerugian bank agar kerugian Bank dapat dikelola dan
dimitigasi dengan baik; c. Liquid Coverage Ratio (LCR), is a means to measure the
c. Liquid Coverage Ratio (LCR), merupakan sarana untuk ability of the bank in suffi-cient liquidity needs in the next
mengukur kemampuan bank dalam mencukupi 30 days
kebutuhan likuiditas dalam 30 hari ke depan; d. Net Stable Funding Ratio (NSFR), is a means of comparing
d. Net Stable Funding Ratio (NSFR), merupakan sarana stable funding needs with the availability of funds owned
perbandingan antara kebutuhan pendanaan stabil by the Bank;
dengan ketersediaan dana yang dimiliki oleh Bank;
3. Dengan adanya Undang-Undang No. 27 tahun 2022 3. With the Law No. 27 years 2022 on Personal Data Protection
tentang Pelindungan Data Pribadi (UU PDP), Bank Ina, (UU PDP), Bank Ina, through the Digital Governance Division,
melalui Divisi Digital Governance, membuat program kerja making a work program to implement a gap analysis and
untuk melaksanakan gap analysis dan penyusunan roadmap roadmap drafting against the fulfillment of the Law PDP
terhadap pemenuhan UU PDP dibantu oleh konsultan. Proyek assisted by consultants. The project has started since February
tersebut sudah dimulai sejak 16 Februari 2024 dan akan 16, 2024 and will be completed at the end of May 2024. The
selesai pada akhir Mei 2024. Adapun termasuk ruang lingkup scope of the project is:
proyek adalah:
a. Melakukan gap analysis penerapan pelindungan data a. Conducting a gap analysis of the imple-mentation of
pribadi berdasarkan Undang-Undang No. 27 Tahun 2022 personal data protection based on Law No. 27 of 2022
tentang Pelindungan Data Pribadi; on Person-al Data Protection;
b. Roadmap untuk mencapai tingkat kepatuhan sesuai b. Roadmap to achieve compliance level ac-cording to
persyaratan UU PDP, Bank Indonesia, Otoritas Jasa the requirements of the PDP Law, Bank Indonesia, the
Keuangan beserta daftar prioritas untuk menutup Financial Ser-vices Authority along the priority list to close
kesenjangan yang mencakup aspek people, process, dan the gaps that include the aspects of people, processes,
technology; and technologies;
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Tata Kelola Perusahaan
Corporate Governance
c. Melakukan supervisi (pendampingan saat penyusunan c. Supervising (assistance during prepara-tion and provide
dan memberikan rekomendasi) dalam penyusunan recommendations) in the preparation of personal data
dokumen tata kelola pelindungan data pribadi; protec-tion governance documents;
d. Melakukan supervisi (pendampingan saat penyusunan d. Conducting supervision (assistance dur-ing preparation
dan memberikan rekomendasi) terkait penyusunan and provide recommen-dations) related to the preparation
kertas kerja record of processing activity (RoPA) dan data of record of processing activity (RoPA) and data protection
protection impact assessment (DPIA) dan pendampingan impact assessment (DPIA) working papers and assistance
contoh pengisian sebanyak 10 RoPA dan 10 DPIA; dan in filling out examples of 10 RoPAs and 10 DPIAs; and
e. Melakukan awareness pelindungan data pribadi e. Conducting awareness of personal data protection based
berdasarkan Undang-Undang No. 27 Tahun 2022 melalui on Law No. 27 of 2022 through dissemination/training
kegiatan sosialisasi/pelatihan kepada Top Management, activities to Top Management, PDP Team/Person in
Tim/Person in Charge (PIC) PDP, dan seluruh karyawan. Charge (PIC), and all employees.
Komite Kredit Credit Committee
Komite Kredit merupakan komite yang bertugas dan bertanggung The Credit Committee is the committee in charge and responsible
jawab untuk mengambil keputusan terkait kredit, serta for making decisions related to credit, as well as evaluating or
melaksanakan evaluasi atau memutuskan permohonan kredit deciding on credit applications that are eligible or not continued
yang layak atau tidak dilanjutkan sesuai dengan jumlah dan jenis in accordance with the amount and type of credit determined by
kredit yang telah ditetapkan oleh Direksi. the Board of Directors.
Pedoman Kerja Charter
Pedoman kerja Komite Kredit mengacu pada Peraturan Otoritas The Credit Committee Charter refer to the Financial Services
Jasa Keuangan No. 42/POJK.03/2017 tentang Kewajiban Authority Regulation No. 42/POJK.03/2017 on Obligations for
Penyusunan dan Pelaksanaan Kebijakan Perkreditan atau the Preparation and Implementation of Credit or Bank Financing
Pembiayaan Bank bagi Bank Umum, Standar Operasional Prosedur Policies for Commercial Banks, Standard Operating Procedure
(SOP) No. 110 tentang Proses Keputusan Pemberian Kredit oleh (SOP) No. 110 on the Credit Granting Decision Process by
Komite Kredit, Surat Keputusan Direksi No. SK/DIR/059/1221 the Credit Committee, Board of Directors’ Decision Letter
tanggal 1 Desember 2021 tentang Kewenangan Komite Kredit No. SK/DIR/059/1221 dated December 1, 2021 on the Authority
dalam memberikan Persetujuan Kredit, serta peraturan terkait of the Credit Committee in granting Credit Approval, as well as
lainnya. other relevant regulations.
Komposisi Keanggotaan Composition
Pembentukan Komite Kredit Bank Ina merujuk pada Surat The establishment of Bank Ina’s Credit Committee refers to the
Keputusan Direksi No. SK/DIR/059/1221 tentang Kewenangan the Board of Directors’ Decision No. SK/DIR/059/1221 on the
Komite Kredit dalam memberikan Persetujuan Kredit, dengan Authority of the Credit Committee in granting Credit Approval,
komposisi keanggotaan sebagai berikut. with the following composition.
Ketua
Direktur Utama President Director
Chairperson
Wakil Ketua
Chief Commercial Banking Officer Chief Commercial Banking Officer
Vice Chairperson
Anggota Tetap • Direktur Keuangan • Director of Finance
Permanent Members • Direktur Bisnis Retail • Director of Retail Business
• Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
• Kepala Divisi Kredit Review • Head of Credit Review Division
Anggota Tidak Tetap • Kepala Divisi Komersial Banking • Head of Commercial Banking Division
Non-Permanent • Kepala Divisi Manajemen Risiko • Head of Risk Management Division
Members • Kepala Divisi Kebijakan, Sistem, dan Prosedur • Head of Policy, System, and Procedure Division
• Kepala Divisi Audit Internal • Head of Internal Audit Division
• Kepala Divisi Legal • Head of Legal Division
• Kepala Divisi Satuan Kerja Remedial & Special Asset • Head of Remedial & Special Asset Management
Management Division
• Kepala Divisi Credit Administration • Head of Credit Administration Division
• Kepala Departemen Kepatuhan dan APU-PPT • Head of Compliance and AML-CTF Department
• Pemimpin Kantor Cabang • Head of Branch Office
• Undangan Lainnya jika diperlukan • Other Invitations if needed
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Independensi Independency
Seluruh anggota Komite Kredit Bank Ina telah berkomitmen untuk All members of Bank Ina’s Credit Committee have committed
mengutamakan sikap independen, penuh kehati-hatian, menjaga to prioritizing independence, prudence, maintaining objectivity,
objektivitas, serta menghindari terjadinya benturan kepentingan and avoiding conflicts of interest in carrying out their duties and
selama menjalankan tugas dan tanggung jawabnya. responsibilities.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Kredit sebagai berikut: The duties and responsibilities of the Credit Committee are as follows:
1. Memberikan persetujuan atau penolakan permohonan kredit 1. To approve or reject credit applications of certain types and
untuk jenis dan jumlah tertentu; amounts;
2. Melaksanakan tugas dalam kaitannya dengan pemberian 2. To perform duties in relation to granting credit approval
persetujuan kredit serta usulan pemberian kredit berdasarkan and proposals for granting credit based on expertise in a
keahlian secara profesional, jujur, objektif, serta cermat dan professional, honest, objective, careful, and accurate manner;
akurat;
3. Menolak permohonan dan atau pengaruh pihak-pihak yang 3. To refuse requests and/or influence of parties with an interest
berkepentingan dengan pemohon kredit untuk memberikan in credit applicants to provide credit approval that is only a
persetujuan kredit yang hanya bersifat formalitas; formality;
4. Memastikan bahwa fasilitas kredit yang akan disetujui 4. To ensure that the credit facility to be approved complies with
telah memenuhi aturan-aturan umum perbankan dan telah general banking rules and meets sound credit principles and is
memenuhi asas-asas perkreditan yang sehat dan berpedoman guided by credit policies;
kepada kebijakan perkreditan;
5. Memastikan bahwa pemberian kredit telah didasarkan pada 5. To ensure that credit is granted based on an honest, objective,
penilaian yang jujur, objektif, cermat dan akurat, serta tidak careful, and accurate assessment, and is not influenced by
terpengaruh dengan pihak-pihak yang berkepentingan parties who have an interest in the credit applicant; and
dengan pemohon kredit; serta
6. Meyakini bahwa kredit tidak berpotensi menjadi kredit 6. To ensure that credit does not have the potential to become
bermasalah. non-performing loans.
Mekanisme Persetujuan Kredit Credit Approval Mechanism
1. Persetujuan Komite Kredit pada prinsipnya dapat dilakukan 1. Credit Committee approval in principle can be done in the
dalam bentuk Rapat Komite Kredit di antara para anggota, form of Credit Committee Meetings among members, either
baik melalui sirkulasi dokumentasi kredit atau presentasi; through circulation of credit documentation or presentations;
2. Setiap permohonan kredit yang diputuskan harus disetujui 2. Every credit application that is decided must be unanimously
oleh semua anggota Komite Kredit secara bulat (quorum); approved by all members of the Credit Committee (quorum);
3. Hasil analisis dan keputusan kredit harus dituangkan dalam 3. The results of credit analysis and decisions must be recorded
formulir Catatan Keputusan Komite Kredit atau Hasil Rapat in the form of Credit Committee Decision Notes or Credit
Komite Kredit; Committee Meeting Results;
4. Proses persetujuan kredit ditujukan untuk memberikan 4. The credit approval process is aimed at providing the best
pelayanan yang terbaik, namun tanpa mengabaikan prinsip service, but without ignoring the bank’s prudent principles
kehati-hatian bank (prudential banking); serta (prudential banking); and
5. Setiap permohonan kredit baru, tambahan, pengurangan, 5. Each new credit application, addition, reduction, extension,
perpanjangan dan perubahan persyaratan kredit harus diajukan and change of credit terms must be submitted in writing and
secara tertulis dan ditandatangani oleh pejabat yang berwenang. signed by an authorized official.
Rapat Meeting
Pada tahun 2023, Komite Kredit telah melaksanakan rapat In 2023, the Credit Committee held 15 meetings, with the
sebanyak 15 kali, dengan agenda sebagai berikut. following agenda.
Tanggal
Agenda
Date
3 Juli 2023 Diskusi Proposal KUR.
July 3, 2023 KUR Proposal Discussion.
6 Juli 2023 Diskusi Proposal Kredit Komersial.
July 6, 2023 Discussion of Commercial Credit Proposals.
26 Juli 2023 Diskusi Proposal Kredit Komersial.
July 26, 2023 Discussion of Commercial Credit Proposals.
2 Agustus 2023 Diskusi Proposal Kredit Komersial.
August 2, 2023 Discussion of Commercial Credit Proposals.
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Tata Kelola Perusahaan
Corporate Governance
Tanggal
Agenda
Date
9 Agustus 2023 • Meeting Izin Prinsip Pengajuan Kredit Komersial; dan
August 9, 2023 • Diskusi Proposal Kredit Komersial.
• Meeting for Principal License for Commercial Credit Application; and
• Discussion of Commercial Credit Proposals.
18 Agustus 2023 Meeting Izin Prinsip Pengajuan Kredit Komersial.
August 18, 2023 Meeting for Principal License for Commercial Credit Application.
22 Agustus 2023 Diskusi Proposal Kredit Komersial.
August 22, 2023 Discussion of Commercial Credit Proposals.
12 September 2023 • Meeting Izin Prinsip Pengajuan Kredit Komersial; dan
September 12, 2023 • Diskusi Proposal Kredit Komersial.
• Meeting for Principal License for Commercial Credit Application and
• Discussion of Commercial Credit Proposals.
19 September 2023 Meeting Izin Prinsip Pengajuan Kredit Komersial.
September 19, 2023 Meeting for Principal License for Commercial Credit Application.
19 Oktober 2023 Diskusi Proposal Kredit Komersial.
October 19, 2023 Discussion of Commercial Credit Proposals.
24 Oktober 2023 Diskusi Proposal Kredit Komersial.
October 24, 2023 Discussion of Commercial Credit Proposals.
31 Oktober 2023 Diskusi Proposal Kredit Komersial.
October 31, 2023 Discussion of Commercial Credit Proposals.
2 November 2023 Diskusi Proposal Kredit Komersial.
November 2, 2023 Discussion of Commercial Credit Proposals.
15 November 2023 Diskusi Proposal Kredit Komersial.
November 15, 2023 Discussion of Commercial Credit Proposals.
7 Desember 2023 Diskusi Proposal Kredit Komersial.
December 7, 2023 Discussion of Commercial Credit Proposals.
Realisasi Program Kerja Tahun 2023 Realization of the 2023 Work Program
Berikut informasi pelaksanaan kegiatan Komite Kredit selama The following is information on the implementation of Credit
tahun 2023. Committee activities during 2023.
1. Melakukan rapat Komite Kredit untuk memutuskan 1. Conducting Credit Committee’s meetings to decide on
persetujuan proposal kredit/seminar bisnis. approval of credit proposals/business seminar.
2. Melakukan persetujuan proposal kredit secara sirkulasi. 2. Approving credit proposals in circulation.
Program Kerja Tahun 2024 2024 Work Program
Komite Kredit telah menyusun program kerja untuk tahun 2024, The Credit Committee has developed a work program for 2024,
yaitu: namely:
1. Melakukan rapat Komite Kredit untuk memutuskan 1. Holding Credit Committee meeting to decide on the approval
persetujuan proposal kredit/seminar bisnis; serta of credit proposal/business seminar; and
2. Melakukan persetujuan proposal kredit secara sirkulasi. 2. Approving credit proposals by circulation.
Komite Kebijakan Perkreditan Credit Policy Committee
Komite Kebijakan Perkreditan merupakan komite yang bertugas The Credit Policy Committee is a committee with duties and
dan bertanggung jawab berkaitan untuk merumuskan kebijakan responsibilities related to formulating credit policies, monitoring
perkreditan, memantau dan mengevaluasi penerapan kebijakan and evaluating the implementation of credit policies, monitoring
perkreditan, memantau perkembangan dan kondisi portofolio the development and condition of the credit portfolio, as well as
perkreditan, serta memberikan saran dan langkah perbaikan providing suggestions and corrective measures to the Board of
kepada Direksi atas hasil evaluasi yang telah dijalankan. Directors on the results of evaluations that have been carried out.
Pedoman Kerja Charter
Komite Kebijakan Perkreditan menjalankan tugas dan tanggung The Credit Policy Committee carries out its duties and responsibilities
jawabnya merujuk pada Peraturan Otoritas Jasa Keuangan referring to the Financial Services Authority Regulation
No. 42/POJK.03/2017 tentang kewajiban Penyusunan dan No. 42/POJK.03/2017 on the Obligation to Formulate and
Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank bagi Implement Credit or Bank Financing Policies for Commercial Banks,
Bank Umum, serta Surat Keputusan Direksi No. SK/DIR/060/1221 as well as the Board of Directors Decision No. SK/DIR/060/1221 on
tentang Keanggotaan Komite Kebijakan Perkreditan Bank. the Membership of the Bank’s Credit Policy Committee.
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Komposisi Keanggotaan Composition
Pembentukan Komite Kebijakan Perkreditan merujuk pada Surat The establishment of the Credit Policy Committee refers to the
Keputusan Direksi No. SK/DIR/060/1221 tentang Keanggotaan the Board of Directors’ Decision No. SK/DIR/060/1221 on the
Komite Kebijakan Perkreditan (KKP), dengan komposisi Membership of Credit Policy Committee (KKP), with the following
keanggotaan sebagai berikut. composition.
Ketua
Direktur Utama President Director
Chairperson
Anggota Tetap • Chief Commercial Banking Officer (alternatif pimpinan • Chief Commercial Banking Officer (alternative
Permanent Members apabila ketua berhalangan) chairperson when the chairperson is unable)
• Direktur Keuangan • Director of Finance
• Direktur Bisnis Retail • Director of Retail Business
• Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
• Kepala Divisi Kebijakan, Sistem, dan Prosedur • Head of Policy, System and Procedure Division
• Kepala Divisi Audit Internal • Head of Internal Audit Division
Narasumber Kepala unit terkait lainnya yang diundang untuk Heads of other related units invited to attend the Bank's
Speakers menghadiri rapat Komite Kebijakan Perkreditan Bank Credit Policy Committee’s meeting
Independensi Independency
Seluruh anggota Komite Kebijakan Perkreditan Bank Ina telah All members of Bank Ina’s Credit Policy Committee have
berkomitmen untuk mengutamakan sikap independen, penuh committed to prioritizing independence, prudence, maintaining
kehati-hatian, menjaga objektivitas, serta menghindari terjadinya objectivity, and avoiding conflicts of interest in carrying out their
benturan kepentingan selama menjalankan tugas dan tanggung duties and responsibilities.
jawabnya.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Kebijakan Perkreditan sebagai The duties and responsibilities of the Credit Policy Committee are
berikut. as follows.
1. Mengembangkan usulan Kebijakan Perkreditan Bank (KPB), 1. To develop Bank Credit Policy (KPB) proposals, in line with the
selaras dengan Misi, Visi, RBB, regulasi perbankan, dan aspek Mission, Vision, RBB, banking regulations, and legal aspects;
hukumnya.
2. Merumuskan KPB, melakukan kajian, dan memberikan 2. To formulate KPB, conduct research, and give suggestions
saran-saran apabila diperlukan perubahan/perbaikan KPB. when changes/improvements of KPB are needed;
3. Mengadakan rapat KKP minimal 1 kali dalam setahun untuk 3. To hold KKP meetings at least once a year to receive input on
menerima masukan-masukan permasalahan terkait KPB, problems related to KPB, provide solutions and improvements
memberikan rumusan pemecahan dan perbaikan sehingga so that KPB can be carried out consequentially and consistently;
KPB dapat dilaksanakan secara konsekuen dan konsisten.
4. Memutuskan dan menetapkan ketentuan-ketentuan yang 4. To decide and determine the provisions relating to credit
berhubungan dengan kebijakan kredit melalui kesepakatan policies through a collective agreement or voting; and
bersama atau voting.
5. Membuat laporan hasil pembahasan Komite KKP secara 5. To prepare a report on KKP Committee’s discussion results in
tertulis kepada Dewan Komisaris dan Direksi. writing to the Board of Commissioners and Board of Directors.
Rapat Meeting
Pada tahun 2023, Komite Kebijakan Perkreditan Bank Ina telah In 2023, Bank Ina’s Credit Policy Committee held 3 meetings, with
melaksanakan rapat sebanyak 3 kali, dengan agenda sebagai the following agenda.
berikut.
Tanggal
Agenda
Date
25 Agustus 2023 Pembahasan Kebijakan Persetujuan Kredit dan Batas Wewenang Memutus Kredit.
August 25, 2023 Discussion of Credit Approval Policy and Limit of Authority to Decide on Credit.
12 September 2023 Rapat Pembahasan Perubahan Limit Plafond Kredit Besar Tertentu (Large Exposure) yang harus Diketahui oleh Dewan Komisaris.
September 12, 2023 Meeting to Discuss Changes to Certain Large Exposure Limit which must be Acknowledged by the Board of Commissioners.
22 Desember 2023 Rapat Pembahasan Kebijakan Agunan yang Diterima Bank dan Kecukupan Agunan Kredit dan Tambahan Tugas dan Wewenang
December 22, 2023 Dewan Komisaris terkait Kredit.
Meeting to Discuss Policy of Collateral Accepted by the Bank and Adequacy of Collateral for Credit and Additional Duties and
Authorities of the Board of Commissioners related to Credit.
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Tata Kelola Perusahaan
Corporate Governance
Realisasi Program Kerja Tahun 2023 Realization of the 2023 Work Program
Berikut informasi pelaksanaan kegiatan Komite Kebijakan The following is information on the implementation of Credit
Perkreditan selama tahun 2023. Policy Committee activities during 2023.
1. Menerbitkan kebijakan terkait perkreditan, antara lain 1. Issuing credit-related policies, including Credit Approval
Kebijakan Manajemen Persetujuan Kredit dan Batas Management Policy and Limit of Authority to Decide on
Wewenang Memutus Kredit (BWMK), Kebijakan Kredit Besar Credit (BWMK), Large Exposure Policy, Multipurpose Credit
Tertentu (Large Exposure), Kebijakan Kredit Multiguna, Kredit Policy, Unsecured Credit, and Syndicated Credit.
Tanpa Agunan, dan Kredit Sindikasi.
2. Menerbitkan Standar Operasional Prosedur (SOP), antara lain 2. Issuing Standard Operating Procedures (SOP), including SOP
SOP Penilaian Agunan dan Kerja Sama dengan Kantor Jasa for Collateral Valuation and Cooperation with Public Appraisal
Penilai Publik (KJPP), SOP Kerja Sama dengan Notaris dan/atau Services Office (KJPP), SOP for Cooperation with Notary and/
Pejabat Pembuat Akta Tanah (PPAT), SOP Unit Kerja Admin or Land Deed Official (PPAT), SOP for Credit Admin Work
Kredit, SOP Kerja Sama Penyaluran Fasilitas Pinjaman kepada Unit, SOP for Cooperation in Loan Facility Distribution to
Perusahaan Multifinance, serta SOP Kredit Usaha Rakyat dan Multifinance Companies, and SOP for People’s Business Credit
Loan Channeling Digital. and Digital Loan Channeling
3. Memperbarui dan menambahkan beberapa ketentuan terkait 3. Updating and adding several provisions related to credit,
kredit, antara lain menambahkan ketentuan agunan yang including adding provisions on collateral received by the Bank
diterima Bank dan kecukupan agunan kredit, ketentuan and the adequacy of credit collateral, provisions regarding
mengenai kredit refinancing, maksimal nilai debt burden ratio refinancing loans, the maximum value of debt burden ratio
(DBR) pada debitur konsumer, serta Petunjuk Pelaksanaan (DBR) on consumer debtors, and Implementation Guidelines
Laporan Kunjungan Calon Debitur dan Debitur. for Prospective Debtor and Debtor Visit Reports.
4. Melakukan penyesuaian ketentuan terkait Tata Kelola di bidang 4. Adjusting provisions related to Governance in credit sector,
perkreditan, di antaranya melalui adanya monitoring kredit oleh including through credit monitoring by Credit Governance
Credit Governance dan menetapkan limit plafond kredit yang and setting credit ceiling limits that must be acknowledged
harus diketahui oleh Dewan Komisaris, serta penambahan tugas by the Board of Commissioners, and additional duties and
dan wewenang Dewan Komisaris dalam perkreditan. authorities of the Board of Commissioners on credit.
5. Melakukan sosialisasi atas ketentuan yang telah 5. Conducting dissemination of published regulations, including
dipublikasikan, di antaranya sosialisasi mengenai Kebijakan dissemination of Bank Credit Policy (KPB), dissemination of
Perkreditan Bank (KPB), sosialisasi mengenai Kebijakan KJPP KJPP Policy and Collateral Valuation, and dissemination of
dan Penilaian Jaminan, serta sosialisasi mengenai Kebijakan Credit Approval Policy and BWMK.
Persetujuan Kredit dan BWMK.
Program Kerja Tahun 2024 2024 Work Program
Komite Kebijakan Perkreditan telah menyusun program kerja The Credit Policy Committee has developed a work program for
untuk tahun 2024, yaitu: 2024, namely:
1. Meneruskan aktivitas sosialisasi dan refreshment kebijakan dan 1. Continuing the dissemination and refreshment of credit
prosedur perkreditan yang dilakukan secara berkelanjutan; policies and procedures on an ongoing basis;
2. Melengkapi setiap produk atau layanan baru Bank dengan 2. Complementing each new product or service of the Bank with
kebijakan dan/atau prosedur; policies and/or procedures;
3. Melakukan perbaikan dan penyempurnaan Kebijakan atau 3. Making improvements and refinements to credit policies or
prosedur perkreditan; serta procedures; and
4. Meningkatkan kemampuan personil di divisi kebijakan, sistem, 4. Improving the capability of personnel in the policies, systems,
dan prosedur melalui pelatihan-pelatihan dan sertifikasi. and procedures division through trainings and certifications.
ALCO ALCO
Assets Liability Committee (ALCO) merupakan komite yang The Assets Liability Committee (ALCO) is a committee that assists
membantu Direksi dalam mengelola aktiva dan pasiva yang sensitif the Board of Directors in managing assets and liabilities that are
terhadap suku bunga, sehingga Bank dapat memaksimalkan sensitive to interest rates, ensuring the Bank can maximize income
pendapatan dan meminimalkan risiko suku bunga, risiko pasar, and minimize interest rate risk, market risk, and liquidity risk.
dan risiko likuiditas.
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Komposisi Keanggotaan Composition
Pembentukan ALCO merujuk pada Surat Keputusan Direksi The establishment of ALCO refers to the Board of Directors’
No. SK/DIR/062/1221 tentang Susunan Keanggotaan Asset & Liability Decision No. SK/DIR/062/1221 on the Composition of the Asset &
Committee (ALCO), dengan komposisi keanggotaan sebagai berikut. Liability Committee (ALCO), with the following composition.
Ketua
Direktur Utama President Director
Chairperson
Wakil Ketua
Direktur Keuangan Director of Finance
Vice Chairperson
Sekretaris
Kepala Divisi Treasury & Financial Institution Head of Treasury & Financial Institution Division
Secretary
Anggota • Direktur Manajemen Risiko & Kepatuhan • Director of Risk Management and Compliance
Members • Direktur Retail Banking • Director of Retail Banking
• Chief Commercial Banking Officer • Chief Commercial Banking Officer
• Kepala Divisi Treasury & Financial Institution • Head of Treasury & Financial Institution
• Kepala Divisi Branch Banking • Head of Branch Banking
• Kepala Divisi Komersial Banking • Head of Commercial Banking
• Kepala Divisi Manajemen Risiko • Head of Risk Management
• Kepala Bagian Akuntansi & Perencanaan Keuangan • Head of Accounting & Financial Planning
• Kepala Bagian Asset & Liability Management • Head of Asset & Liability Management
Anggota Tidak Tetap • Staf Ahli Treasury • Treasury Expert Staff
Non-Permanent • Pemimpin Kantor Cabang Ariobimo • Branch Manager Ariobimo Branch
Members • Pemimpin Kantor Cabang Pasar Minggu • Branch Manager Pasar Minggu Branch
• Kepala Divisi Remedial • Head of Remedial and Special Asset Management
• Kepala Divisi Operasional • Head of Operations
• Kepala Bagian Kebijakan, Sistem, dan Prosedur • Head of Policy, Sistem, and Procedure
• Undangan Lainnya • Other Invited Members
Independensi Independency
Seluruh anggota ALCO Bank Ina telah berkomitmen untuk All ALCO members of Bank Ina have committed to prioritizing
mengutamakan sikap independen, penuh kehati-hatian, menjaga independence, prudence, objectivity, and avoiding conflicts of
objektivitas, serta menghindari terjadinya benturan kepentingan interest in carrying out their duties and responsibilities.
selama menjalankan tugas dan tanggung jawabnya.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab ALCO sebagai berikut: The duties and responsibilities of ALCO are as follows:
1. Memonitor pelaksanaan Asset and Liability Management (ALMA); 1. To monitor the Asset and Liability Management (ALMA);
2. Memprediksi kondisi makroekonomi dan pengaruhnya 2. To predict macroeconomic conditions and their impact on
terhadap suku bunga untuk masa yang akan datang; interest rates in the future;
3. Mengidentifikasi dan mencari alternatif strategi untuk 3. To identify and seek alternative strategies to deal with the
menghadapi perubahan kondisi yang dapat memengaruhi changing conditions that may affect the Bank’s assets and
aset dan kewajiban Bank; liabilities;
4. Memonitor likuiditas Bank, risiko pasar, dan gapping; serta 4. To monitor the Bank’s liquidity, market risk, and gaping; and
5. Menentukan suku bunga acuan untuk funding, lending, dan 5. To determine the interest rate benchmark for funding,
suku bunga antar kantor. lending, and interoffice interest rates.
Rapat Meeting
Pada tahun 2023, ALCO telah melaksanakan rapat sebanyak In 2023, ALCO conducted meetings as many as 12 times with an
12 kali dengan rata-rata kehadiran anggota sebesar 90% dari average attendance of 90% of the required 75%. The agenda
75% yang dipersyaratkan. Adapun agenda dan hasil rapat telah and results of the meeting have been submitted in the Minutes of
disampaikan dalam Notulen atau Risalah ALCO yang dilengkapi ALCO, which is equipped with the attendance list of participants.
dengan daftar hadir peserta.
Realisasi Program Kerja Tahun 2023 Realization of the 2023 Work Program
Berikut informasi pelaksanaan kegiatan ALCO selama tahun 2023. The following is information on the implementation of ALCO
activities during 2023.
1. Memelihara kebutuhan likuiditas sepanjang tahun 2023, baik 1. Maintaining liquidity needs throughout 2023, both for
untuk pemenuhan pembayaran dana jatuh tempo maupun fulfilling payment of funds due and obligations for extending
kewajiban atas pemberian kredit dan pembelian surat berharga. credit and purchasing securities.
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Tata Kelola Perusahaan
Corporate Governance
2. Melakukan beberapa kali penyesuaian suku bunga (repricing) 2. Performing several interest rate adjustments (repricing) for
funding dan lending sesuai dengan kondisi market yang funding and lending according to market conditions which
mengalami kenaikan mengikut kenaikan suku bunga Fed experienced an increase according to the increased Fed Funds
Funds Rate yang sangat signifikan selama tahun 2022-2023 Rate which was very significant in 2022-2023 (0,25%-5,5%)
(0,25%-5,5%) dan penyesuaian kebijakan suku bunga acuan and adjustments to the benchmark interest rate policy by
oleh Bank Indonesia. Bank Indonesia.
3. Menjaga pertumbuhan dana pihak ketiga, kredit, dan total 3. Maintaining the growth of third-party funds, loans, and total
aset sesuai dengan target yang ditetapkan pada RBB Bank. assets in accordance with the targets set in the Bank’sRBB.
4. Memenuhi rasio-rasio likuiditas Giro Wajib Minimum 4. Meet the liquidity ratios of Statutory Reserves (GWM),
(GWM), Penyangga Likuiditas Makroprudential (PLM), Macroprudential Liquidity Buffer (PLM), Macroprudential
Rasio Intermediasi Makroprudential (RIM), Aset Likuid Intermediation Ratio (RIM), Liquid Assets to Third Party Funds
terhadap Dana Pihak Ketiga (AL/DPK), Aset Likuid terhadap (AL/DPK), Liquid Assets to Non-Core Deposits (AL/NCD),
Non-Core Deposit (AL/NCD), Liquidity Coverage Ratio (LCR), Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio
Net Stable Funding Ratio (NSFR), dan memenuhi ketentuan (NSFR), and fulfill the provisions of Macroprudential Inclusive
Rasio Pembiayaan Inklusif Makroprudential (RPIM). Financing Ratio (RPIM).
Program Kerja Tahun 2024 2024 Work Program
ALCO telah menyusun program kerja untuk tahun 2024, yaitu: ALCO has developed a work program for 2024, namely:
1. Memelihara kebutuhan likuiditas sepanjang tahun 2024, 1. Maintaining liquidity requirements throughout 2024,
termasuk memenuhi rasio likuiditas yang dipersyaratkan oleh including meeting liquidity ratios required by Bank Indonesia
Bank Indonesia dan Otoritas Jasa Keuangan, di antaranya giro and Financial Services Authority, including minimum reserve
wajib minimum (GWM), penyangga likuiditas makroprudential requirements (GWM), macroprudential liquidity buffer
(PLM), rasio intermediasi makroprudential (RIM) dan kebijakan (PLM), macroprudential intermediation ratio (RIM) and
insentif likuiditas makroprudential (KLM/RPIM), aset lancar macroprudential liquidity incentive policy (KLM/RPIM), current
terhadap dana pihak ketiga (AL/DPK), aset lancar terhadap assets to third party funds (AL/DPK), current assets to non-
non-core deposit (AL/NCD), liquidity coverage ratio (LCR), net core deposits (AL/NCD), liquidity coverage ratio (LCR), net
stable funding ratio (NSFR); stable funding ratio (NSFR);
2. Meningkatkan rasio net interest margin dengan cara 2. Improving the net interest margin ratio by adjusting
melakukan penyesuaian suku bunga (repricing) funding funding and lending interest rates (repricing) in accordance
dan lending sesuai dengan kondisi market yang mengalami with market conditions that have increased following the
kenaikan mengikut kenaikan fed rate yang sangat signifikan significant increase in the fed rate in 2023 and the adjustment
selama tahun 2023 dan penyesuaian kebijakan suku bunga of benchmark interest rate policy by Bank Indonesia;
acuan oleh Bank Indonesia;
3. Menjaga pertumbuhan dana pihak ketiga, kredit, dan total 3. Maintaining the growth of third party funds, loans, and total
aset, serta rentabilitas Bank, sesuai dengan target yang assets, as well as the Bank’s profitability, in accordance with
ditetapkan pada Rencana Bisnis Bank; the targets set in the Bank’s Business Plan;
4. Menjadi sub-mitra distribusi untuk penjualan SBN Retail 4. Become a distribution sub-partner for Retail SBN sales in
pada Primary Market dan memelihara posisi Trading pada the Primary Market and maintain a Trading position in the
Secondary Market; serta Secondary Market; and
5. Menjadi Bank Kustodi dan mengelola bisnis Kustodi untuk 5. Become a Custodian Bank and manage the Custody business
bisnis safekeeping atau penitipan surat-surat berharga. for safekeeping business.
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Komite Pengarah Teknologi Informasi merupakan komite yang The Information Technology Steering Committee is a committee
dibentuk untuk memastikan sistem teknologi informasi sesuai established to ensure that information technology systems are in
dengan strategi Bank, memberikan pandangan pada pengelolaan line with the Bank’s strategy, provide insight into the management
teknologi informasi dan manajemen sistem informasi, serta of information technology and information systems management,
memantau kegiatan dan kesiapan infrastruktur teknologi and monitor the activities and readiness of information technology
informasi. infrastructure.
Komposisi Keanggotaan Composition
Pembentukan Komite Pengarah Teknologi Informasi merujuk pada The establishment of Information Technology Steering Committee
Surat Keputusan No. SK/DIR/046/0823 tentang Penyempurnaan refers to the Decision No. SK/DIR/046/0823 on the Improvement of
Tata Kerja dan Keanggotaan Komite Pengarah Teknologi Work Procedures and Composition of the Information Technology
Informasi, dengan komposisi keanggotaan sebagai berikut. Steering Committee, with the following composition.
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Ketua
Wakil Direktur Utama Vice President Director
Chairperson
Sekretaris
Kepala Divisi Technology Operation & Control Unit Head of Technology Operation & Control Unit Division
Secretary
Anggota • Direktur Utama • President Director
Members • Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
• Direktur Bisnis Retail • Director of Retail Business
• Direktur Keuangan • Director of Finance
• Chief Commercial Banking Officer • Chief Commercial Banking Officer
• Kepala Divisi Digital Technology • Director of Digital Technology Division
• Kepala Divisi Branch & Commercial Banking Technology • Head of Branch & Commercial Banking Technology Division
• Kepala Divisi Manajemen Risiko • Head of Risk Management Division
• Kepala Divisi Digital Governance • Head of Digital Governance Division
• Kepala Divisi Komersial Banking • Head of Commercial Banking Division
• Kepala Divisi Network & Branch Development • Head of Network & Branch Development Division
• Kepala Divisi Branch Operation & Control Unit • Head of Branch Operation & Control Unit Division
• Kepala Divisi Digital Solutions & Partnership • Head of Digital Solutions & Partnership
• Kepala Divisi Digital Operation • Head of Digital Operation Division
• Kepala Satuan Kerja Akuntansi & Perencanaan Keuangan • Head of Accounting & Financial Planning Work Unit
Independensi Independency
Seluruh anggota Komite Pengarah Teknologi Informasi Bank Ina All members of Bank Ina’s Information Technology Steering
telah berkomitmen untuk mengutamakan sikap independen, Committee have committed to prioritizing independence,
penuh kehati-hatian, menjaga objektivitas, serta menghindari prudence, maintaining objectivity, and avoiding conflicts of
terjadinya benturan kepentingan selama menjalankan tugas dan interest in carrying out their duties and responsibilities.
tanggung jawabnya.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Pengarah Teknologi Informasi The duties and responsibilities of the Information Technology
sebagai berikut: Steering Committee are as follows:
1. Membantu Direksi dalam menyusun kebijakan dan prosedur 1. To assist the Board of Directors in formulating policies and
terkait penyelenggaraan teknologi informasi yang memadai; procedures related to adequate information technology
implementation;
2. Memberikan rekomendasi kepada Direksi dalam melakukan 2. To provide recommendations to the Board of Directors in
review dan menyetujui proyek-proyek teknologi informasi reviewing and approving information technology projects that
yang berdampak signifikan terhadap kegiatan operasional have a significant impact on the Bank’s operational activities;
Bank;
3. Memantau pelaksanaan proyek-proyek teknologi informasi 3. To monitor the implementation of information technology
dan menganalisis kesesuaian dengan rencana proyek yang projects and analyze compliance with agreed project plans;
telah disepakati;
4. Menyelesaikan berbagai masalah yang berkaitan dengan 4. To resolve various problems related to the use of technology
penggunaan teknologi yang tidak dapat diselesaikan antara that cannot be resolved between the user work unit and the
unit kerja pengguna dan unit kerja penyelenggara; serta administrator work unit; and
5. Melalui rapat rutin, melakukan evaluasi terhadap penggunaan 5. Through regular meetings, to evaluate the use of technology
teknologi dan melakukan penyesuaian yang dibutuhkan sesuai and make necessary adjustments in accordance with the
dengan adanya tanggapan dari Otoritas Jasa Keuangan. response from the Financial Services Authority.
Rapat Meeting
Pada tahun 2023, Komite Pengarah Teknologi Informasi telah In 2023, the Information Technology Steering Committee held
melaksanakan rapat sebanyak 4 kali, dengan agenda sebagai 4 meetings, with the following agenda.
berikut.
Tanggal
Agenda
Date
18 April 2023 • Review Progress RPTI 2023; • Review Progress of RPTI 2023;
April 18, 2023 • Roadmap Implementation IBMB & IBB 2023; • Roadmap Implementation of IBMB & IBB 2023;
• Additional Project & Initiatives; • Additional Project & Initiatives;
• Tindak Lanjut Temuan Audit terkait TeknoIogi Informasi; • Follow-up of Audit Findings related to Information Technology;
• System Support & Utilization Server - Managed by FDS; • System Support & Utilization Server - Managed by FDS;
• Technical Support & Utilization Server - Managed by Bank Ina; dan • Technical Support & Utilization Server - Managed by Bank Ina; and
• Google Cloud Performance. • Google Cloud Performance.
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Tata Kelola Perusahaan
Corporate Governance
Tanggal
Agenda
Date
27 Juni 2023 • Progress Update atas Action Item dari ITSC #1 18 April 2023; • Progress Update on Action Item from ITSC #1 April 18, 2023;
June 27, 2023 • Revisi Target Implementasi dan Progress Update RPTI 2023; • Revised Implementation Target and Progress Update on RPTI
dan 2023; and
• Cyber Security. • Cyber Security.
9 Oktober 2023 • Progress Update RPTI 2023; • Progress Update on RPTI 2023;
October 9, 2023 • RPTI 2024; • RPTI 2024;
• Laporan IT Operation; dan • IT Operation Report; and
• Laporan Simulasi Phising E-mail Tahap 2. • Phishing E-mail Simulation Report Phase 2
13 Desember 2023 • Progress Update RPTI 2023; • Progress Update RPTI 2023;
December 13, 2023 • RPTI 2024; • RPTI 2024
• Pengkinian RSTI 2022-2026; • Updating RSTI 2022-2026;
• Laporan IT Operation & Security; serta • IT Operation & Security Report; and
• Update dari Divisi Digital Governance. • Update from Digital Governance Division.
Realisasi Program Kerja Tahun 2023 Realization of the 2023 Work Program
Berikut informasi pelaksanaan kegiatan Komite Pengarah The following is information on the implementation of the
Teknologi Informasi selama tahun 2023. Information Technology Steering Committee activities during 2023.
1. Melakukan pengkinian Rencana Strategis TI. 1. Updating IT Strategic Plan.
2. Memantau pelaksanaan proyek-proyek TI yang tercantum 2. Monitoring the implementation of IT projects listed in RPTI
pada RPTI 2023. 2023.
3. Memantau pelaksanaan operasional TI dan keamanan TI. 3. Monitoring the implementation of IT operations and IT security.
4. Menyusun RPTI 2024. 4. Developing RPTI 2024.
Program Kerja Tahun 2024 2024 Work Program
Komite Pengarah Teknologi Informasi telah menyusun program The Information Technology Steering Committee has developed a
kerja untuk tahun 2024, yaitu: work program for 2024, namely:
1. Melakukan evaluasi kebijakan keamanan TI, khususnya 1. Evaluating IT security policies, especially cybersecurity;
keamanan siber;
2. Memantau pelaksanaan proyek-proyek TI yang tercantum 2. Monitoring the implementation of IT projects listed in RPTI
pada RPTI 2024; 2024;
3. Memantau pelaksanaan operasional dan keamanan TI; 3. Monitoring the implementation of IT operations and security;
4. Memantau efektivitas biaya TI; dan 4. Monitoring IT cost effectiveness; and
5. Menyusun RPTI 2025. 5. Developing RPTI 2025
Komite Produk Product Committee
Komite Produk merupakan komite yang bertugas dan The Product Committee is the committee in charge of and
bertanggung jawab untuk memberikan arahan strategis terkait responsible for providing strategic direction related to the
rencana pengembangan dan penerapan produk Bank sesuai development plan and implementation of the Bank’s products in
dengan perkembangan industri perbankan saat ini. accordance with the current development of the banking industry.
Pedoman Kerja Charter
Komite Produk menjalankan tugas dan tanggung jawabnya The Product Committee carries out its duties and responsibilities
merujuk pada Peraturan Otoritas Jasa Keuangan Republik by referring to Financial Services Authority Regulation
Indonesia No. 13/POJK.03/2021 tanggal 30 Juli 2021 tentang No. 13/POJK.03/2021 dated July 30, 2021, on the Implementation
Penyelenggaraan Produk Bank Umum. of Commercial Bank Products.
Komposisi Keanggotaan Composition
Pembentukan Komite Produk mengacu pada Surat Keputusan Establishment of Product Committee refers to Decision Letter
No. SK/DIR/056/1121 tentang Susunan Keanggotaan Komite No. SK/DIR/056/1121 on Composition of Product Committee,
Produk, dengan komposisi keanggotaan sebagai berikut. with the following composition.
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Ketua
Direktur Bisnis Retail Director of Retail Business
Chairperson
Sekretaris / Anggota Tetap
Divisi Manajemen Risiko & Kepatuhan Risk Management and Compliance Division
Secretary/Permanent Member
Anggota Tetap • Direktur Manajemen Risiko dan Kepatuhan • Director of Risk Management and Compliance
Permanent Members • Direksi • Board of Directors
• Chief Retail Banking Officer • Chief Retail Banking Officer
• Chief Commercial Banking Officer • Chief Commercial Banking Officer
• Divisi Manajemen Risiko (merangkap Sekretaris) • Risk Management Division (concurrently Secretary)
• Divisi Kebijakan, Sistem & Prosedur • Policy, System & Procedure Division
• Divisi Legal • Legal Division
• Divisi Digital Operation • Digital Operation Division
• Divisi Digital Technology • Digital Technology Division
• Departemen Kepatuhan & APU-PPT • Compliance & AML-CTF Department
• Departemen Akuntansi & Perencaaan Keuangan • Accounting & Financial Planning Department
Undangan • Pemilik Produk • Product Owner
Invitation • Unit kerja lain yang terkait produk baru yang • Other work units related to new product
diusulkan proposed
• Divisi Audit Internal • Internal Audit Division
Independensi Independency
Seluruh anggota Komite Produk Bank Ina telah berkomitmen All members of Bank Ina’s Product Committee have committed
untuk mengutamakan sikap independen, penuh kehati-hatian, to prioritizing independence, prudence, objectivity, and avoiding
menjaga objektivitas, serta menghindari terjadinya benturan conflicts of interest in carrying out their duties and respon-sibilities.
kepentingan selama menjalankan tugas dan tanggung jawabnya.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Produk sebagai berikut. The duties and responsibilities of the Product Committee are as
follows.
1. Menyusun kebijakan, strategi, dan pedoman pengembangan 1. Developing policies, strategies, and guidelines for new
produk baru. product development.
2. Memberikan keputusan atas usulan peluncuran produk baru. 2. Making decisions on proposed new product launches.
3. Melakukan kajian terhadap produk yang dimiliki oleh Bank 3. Conducting periodic reviews of the Bank’s products.
secara periodik.
4. Melakukan perbaikan atau penyempurnaan pelaksanaan 4. Making improvements or refinements to the implementation
pengembangan produk baru berdasarkan hasil evaluasi of new product development based on the evaluation results
pelaksanaan pengembangan produk baru. of the implementation of new product development.
5. Menetapkan hal-hal yang terkait dengan pengembangan 5. Determining matters related to new product development
produk baru yang menyimpang dari prosedur normal. that deviate from normal procedures.
Rapat Meeting
Pada tahun 2023, Komite Produk telah melaksanakan rapat In 2023, the Product Committee carried out meetings as many as
sebanyak 1 kali, dengan agenda sebagai berikut. 1 time, with the following agenda.
Tanggal
Agenda
Date
9 November 2023 Update Status RPPB 2023 dan RPPB 2024.
November 9, 2023 Update on Status of RPPB 2023 and RPPB 2024.
Realisasi Program Kerja Tahun 2023 Realization of Work Program in 2023
Berikut informasi pelaksanaan kegiatan Komite Produk selama The following is information on the implementa-tion of Product
tahun 2023. Committee activities during 2023.
1. Laku Pandai. 1. Laku Pandai.
2. Pengembangan Aplikasi BINA Phase 1 (Layanan Perbankan Digital. 2. BINA Phase 1 Application Development (Digital Banking Services).
3. Pinjaman Digital untuk UMKM. 3. Digital Loan for MSMEs.
4. Open API Banking. 4. Open API Banking.
5. Penambahan fitur pada aplikasi BINA. 5. Additional features to BINA application.
6. INA Mobile Phase 3. 6. INA Mobile Phase 3.
7. Layanan Nasabah Prima. 7. Prima Customer Service.
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Tata Kelola Perusahaan
Corporate Governance
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan merupakan organ di bawah Direksi yang The Corporate Secretary is an organ under the Board of Directors
mempunyai tugas sebagai perantara komunikasi antara Bank that has the task of mediating communication between the
dengan pemangku kepentingan, memastikan Bank senantiasa Bank and stakeholders, ensuring that the Bank always complies
mematuhi peraturan dan perundang-undangan yang berlaku, serta with applicable laws and regulations, and ensuring that GCG
memastikan penerapan GCG dilaksanakan secara komprehensif. implementation is carried out comprehensively.
Pedoman Kerja Work Guidelines
Pedoman kerja Sekretaris Perusahaan mengacu pada Peraturan The work guidelines of the Corporate Secretary refer to the
Otoritas Jasa Keuangan No. 35/POJK.04/2014 tanggal 8 Desember Financial Services Authority Regulation No. 35/POJK.04/2014
2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan dated December 8, 2014 on the Corporate Secretary of Issuers or
Publik dan Standar Operasional Prosedur Pedoman Corporate Public Companies and the Standard Operating Procedures of the
Secretary No. 158 tanggal 6 Oktober 2023. Corporate Secretary Guidelines No. 158 dated October 6, 2023.
Profil Sekretaris Perusahaan Corporate Secretary’s Profile
Berdasarkan Surat Keputusan Direksi No. SK/DIR/006/0123, Based on the Board of Directors’s Decision No. SK/DIR/006/0123,
Sekretaris Perusahaan pada tahun 2023 dijabat oleh Feliks Suranta the Corporate Secretary in 2023 was held by Feliks Suranta
Tarigan. Profil lengkap Sekretaris Perusahaan telah diungkapkan Tarigan. The full profile of the Corporate Secretary has been
pada Bab Profil Perusahaan di dalam Laporan Tahunan ini. disclosed in the Company Profile Chapter in this Annual Report.
Kedudukan Sekretaris Perusahaan Corporate Secretary’s Position
Berdasarkan Struktur Organisasi Bank No. SK/DIR/041/0823 yang Based on the Bank’s Organizational Structure No. SK/DIR/041/0823
berlaku sejak 28 Agustus 2023, Sekretaris Perusahaan di bawah effective since August 28, 2023, the Corporate Secretary is
Direktur Manajemen Risiko dan Kepatuhan dan melaporkan under the coordination of the Director of Risk Management
pelaksanaan tugas dan tanggung jawabnya kepada Direktur and Compliance and reports the implementation of duties and
Utama. responsibilities to the President Director.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Sekretaris Perusahaan sebagai berikut: The duties and responsibilities of the Corporate Secretary are as
follows:
1. Mengelola pendokumentasian kebijakan, prosedur, surat 1. Managing the documentation of policies, procedures,
keputusan Dewan Komisaris dan Direksi, daftar Pemegang decisions of the Board of Commissioners and Board of
Saham, risalah rapat Dewan Komisaris dan Direksi, serta RUPS Directors, list of Shareholders, minutes of meetings of the
Tahunan dan RUPS Luar Biasa; Board of Commissioners and Board of Directors, as well as
2. Bekerja sama dengan Satuan Kerja Kepatuhan untuk meyakini the Annual GMS and Extraordinary GMS;
bahwa kebijakan dan prosedur Bank telah sesuai dengan 2. Cooperating with the Compliance Work Unit to ensure that
peraturan perundang-undangan yang berlaku; the Bank’s policies and procedures are in accordance with the
3. Bekerja sama dengan bagian Corporate Legal untuk applicable laws and regulations;
menginformasikan Direksi terkait peraturan perundang- 3. Cooperating with Corporate Legal department to inform the
undangan terkini; Board of Directors regarding the latest laws and regulations;
4. Mendukung Dewan Komisaris dan Direksi dalam hal 4. Supporting the Board of Commissioners and Board of
pelaksanaan rapat dan rapat gabungan, pendistribusian Directors in terms of holding meetings and joint meetings,
undangan, dan risalah rapat; distributing invitations and minutes of meetings;
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5. Memastikan bahwa Pemegang Saham telah mendapatkan 5. Ensuring that Shareholders have obtained their rights, among
hak-haknya, antara lain dalam hal RUPS Tahunan dan RUPS others in terms of the Annual GMS and Extraordinary GMS,
Luar Biasa, serta pencatatan transaksi/perpindahan saham; and the recording of share transactions/transfers; and
serta
6. Melaksanakan keterbukaan informasi sesuai dengan 6. Conducting information disclosure in accordance with the
ketentuan peraturan dan perundang-undangan. provisions of laws and regulations.
Pelaksanaan Tugas Implementation of Duties
Di tahun 2023, Sekretaris Perusahaan telah menjalankan tugas In 2023, the Corporate Secretary carried out duties and
dan tanggung jawab dengan baik dan telah sesuai dengan responsibilities well and has been in accordance with the
pedoman kerja yang berlaku, sebagai berikut: applicable work guidelines, as follows:
1. Mengikuti perkembangan pasar modal, khususnya peraturan- 1. Following capital market development, especially regulations
peraturan yang berlaku di bidang pasar modal; applicable in capital market;
2. Membuat dan menyampaikan laporan, meliputi: 2. Preparing and submitting reports, including:
a. Laporan Internal: a. Internal Report:
1) Laporan Bulanan, berupa memo internal komposisi 1) Monthly Report, in the form of internal memo on
Pemegang Saham; serta Shareholders composition; and
2) Laporan Tahunan, berupa Laporan Tahunan Divisi 2) Annual Report, in the form of Corporate Secretary
Corporate Secretary; Divisional Annual Report;
b. Laporan Eksternal: b. External Report:
1) Laporan Registrasi Pemegang Saham sebanyak 12 kali 1) Shareholder Registration Report 12 times, published
yang dipublikasikan di situs web Bursa Efek Indonesia; on Indonesia Stock Exchange website;
2) Laporan Realisasi Penggunaan Dana sebanyak 2 kali; 2) Report on Realization of Use of Proceeds 2 times;
3) Laporan Keterbukaan Informasi pada situs web Bursa 3) Information Disclosure Report on Indonesia Stock
Efek Indonesia sebanyak 10 kali; Exchange website 10 times;
4) Mengadakan RUPS Tahunan pada tanggal 16 Juni 4) Holding the Annual GMS on June 16, 2023, and
2023, dan 2 kali RUPS Luar Biasa, yaitu pada tanggal 2 Extraordinary GMS, namely on January 9 2023
9 Januari 2023 dan 19 Mei 2023, serta serta Paparan and May 19 2023, as well as a Public Expose on
Publik pada tanggal 31 Maret 2023; May 31, 2023;
5) Laporan hasil RUPS Tahunan sebanyak 1 kali dan 5) Report on the results of the Annual GMS 1 time
Laporan hasil RUPS Luar biasa 2 kali; serta and Report on the results of the Extraordinary GMS
2 times; and
6) Laporan Tahunan Buku 2022 sebanyak 1 kali; 6) 2022 Annual Report, 1 time;
3. Memberikan masukan kepada Direksi melalui 3. Providing input to the Board of Directors through holding:
penyelenggaraan:
a. Rapat Direksi sebanyak 38 kali; serta a. Board of Directors’ meeting 38 times; and
b. Rapat Gabungan Dewan Komisaris dan Direksi sebanyak b. 4 Joint Meetings of Board of Commissioners and Board of
4 kali; Directors;
4. Membuat dan menyampaikan surat-surat eksternal; 4. Preparing and delivering external letters; and
5. Berkoordinasi dengan media untuk mengeluarkan siaran pers 5. Coordinating with the media to issue press releases regarding
terkait berbagai kegiatan yang dijalankan Bank, seperti kinerja various activities carried out by the Bank, such as the Bank’s
Bank ataupun kegiatan-kegiatan lainnya; serta performance or other activities.
6. Melaksanakan keterbukaan informasi sesuai dengan 6. Conducting information disclosure in accordance with the
ketentuan peraturan dan perundang-undangan. provisions of laws and regulations.
Pengembangan Kompetensi Competency Development
Informasi terkait pengembangan kompetensi Sekretaris Information related to Corporate Secretary’s competency
Perusahaan telah diungkapkan pada bagian Pendidikan dan development has been disclosed in the Education and Training
Pelatihan Organ Tata Kelola Perusahaan bab Profil Perusahaan section of Corporate Governance Organs in the Company Profile
dalam Laporan Tahunan ini. chapter in this Annual Report.
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Tata Kelola Perusahaan
Corporate Governance
Satuan Kerja Audit Internal
Internal Audit Work Unit
Satuan Kerja Audit Internal (SKAI) merupakan organ pendukung The Internal Audit Unit (SKAI) is a supporting organ of the Board of
Direksi yang menjalankan tugas untuk melakukan aktivitas internal Directors that carries out the task of conducting internal audit activities
audit seperti assurance dan consulting, serta aktivitas investigasi dalam such as assurance and consulting, as well as investigative activities in
rangka memberikan penilaian yang independen atas pengendalian order to provide an independent assessment of internal control, risk
internal, penerapan manajemen risiko, dan penerapan GCG. management implementation, and GCG implementation.
Pedoman Kerja Charter
SKAI menjalankan tugas dan tanggung jawabnya merujuk pada SKAI carries out its duties and responsibilities referring to the
Piagam Internal Audit yang disahkan pada tanggal 13 Desember Internal Audit Charter which was approved on December 13,
2023. Piagam SKAI tersebut disahkan oleh Direktur Utama 2023. The SKAI Charter is authorized by the President Director
setelah mendapat persetujuan dari Dewan Komisaris dengan after obtaining approval from the Board of Commissioners by
mempertimbangkan rekomendasi Komite Audit. Kemudian, considering the recommendations of the Audit Committee. Then,
piagam tersebut disosialisasikan ke unit kerja dan akan ditinjau the charter is socialized to work units and will be reviewed at least
minimal 3 tahun sekali untuk diperbarui agar sesuai dengan once every 3 years to be updated in accordance with the latest
perkembangan bisnis terkini. business developments.
Profil Kepala Satuan Kerja Audit Internal Profile of Head of Internal Audit Work Unit
SKAI dipimpin oleh seorang kepala SKAI. Kepala SKAI diangkat SKAI is led by a Head of SKAI. The Head of SKAI is appointed and
dan diberhentikan oleh Direktur Utama setelah mendapat dismissed by the President Director after obtaining approval from
persetujuan dari Dewan Komisaris dengan mempertimbangkan the Board of Commissioners by considering the recommendations
rekomendasi Komite Audit. Pada tahun 2023, Kepala SKAI dijabat of the Audit Committee. In 2023, the Head of SKAI was appointed
oleh Usep Hanafiah Dahlan berdasarkan Surat Keputusan Direksi by Usep Hanafiah Dahlan based on the Board of Directors’ Decision
No. SK/DIR/022/0822 tanggal 22 Agustus 2022. Profil lengkap No. SK/DIR/022/0822 dated August 22, 2022. The complete profile
Kepala SKAI telah disampaikan pada bagian Profil Pejabat of the Head of SKAI has been presented in the Executive Officer
Eksekutif bab Profil Perusahaan dalam Laporan Tahunan ini. Profile section of the Company Profile chapter in this Annual Report.
Jumlah Auditor Internal Number of Internal Auditors
Pada tahun 2023, Bank Ina mempunyai Auditor Internal sebanyak In 2023, Bank Ina had 11 Internal Auditors, including the Head of
11 orang, termasuk di dalamnya Kepala SKAI. Internal Audit.
Kualifikasi dan Sertifikasi Personel Personnel Qualification and Certification
Dalam rangka meningkatkan potensi SKAI, Bank mengikutsertakan In order to increase the potential of SKAI, the Bank includes SKAI
personel SKAI dalam program sertifikasi sesuai dengan Peraturan personnel in certification programs in accordance with Bank
Bank Indonesia No. 12/7/PBI/2010 perihal Sertifikasi Manajemen Indonesia Regulation No. 12/7/PBI/2010 on Risk Management
Risiko bagi Pengurus dan Pejabat Bank Umum. Di tahun 2023, Certification for Management and Officers of Commercial Banks.
Auditor SKAI telah mempunyai Sertifikasi Kompetensi yang In 2023, SKAI Auditors had Competency Certification consisting
terdiri dari 1 orang memiliki sertifikasi Manajemen Risiko Level 4; of 1 person having Level 4 Risk Management certification;
2 orang memiliki sertifikasi Manajemen Risiko Level 3; 2 orang 2 people having Level 3 Risk Management certification; 2 people
memiliki sertifikasi Manajemen Risiko Level 2; 3 orang memiliki having Level 2 Risk Management certification; 3 people having
sertifikasi Manajemen Risiko Level 1; dan 3 orang belum memiliki Level 1 Risk Management certification; and 3 people not having
sertifikasi Manajemen Risiko. Selain itu, terdapat 2 orang telah Risk Management certification. In addition, there are 2 people
memiliki sertifikasi kompetensi bidang auditor. Di sisi lain, having competency certification in the field of auditors. On the
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Bank Ina memastikan seluruh personel SKAI mengutamakan other hand, Bank Ina ensures that all SKAI personnel prioritize an
sikap independen dan objektif dalam melaksanakan tugas dan independent and objective attitude in carrying out their duties and
tanggung jawabnya yang dibuktikan dengan tidak memiliki responsibilities as evidenced by not having kinship relationships
hubungan kekerabatan sampai derajat kedua, baik vertikal to the second degree, either vertically or horizontally with
ataupun horizontal dengan Pemegang Saham, anggota Dewan Shareholders, members of the Board of Commissioners, members
Komisaris, anggota Direksi, serta auditor di luar SKAI. of the Board of Directors, and auditors outside SKAI.
Struktur dan Kedudukan Satuan Kerja Structure and Position of Internal Audit
Audit Internal Unit
Berdasarkan struktur organisasi, SKAI berada di bawah wewenang Based on the organizational structure, SKAI is under the authority
dan tanggung jawab Direktur Utama. Dalam melaksanakan and responsibility of the President Director. In carrying out its
tugasnya, SKAI bertanggung jawab langsung kepada Direktur duties, SKAI is directly responsible to the President Director and
Utama dan menyampaikan laporan kepada Direktur Utama submits reports to the President Director and/or the Board of
dan/atau Dewan Komisaris. Kemudian, menyampaikan salinan Commissioners. Then, submit a copy of the report to the Board of
laporan kepada Dewan Komisaris, Komite Audit, dan Direktur Commissioners, Audit Committee, and Compliance Director and
Kepatuhan dan pihak-pihak lain yang terkait. other related parties.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab SKAI dijelaskan sebagai berikut: The duties and responsibilities of SKAI are explained as follows:
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. To assist the duties of the President Director and the Board of
dalam melakukan pengawasan dengan cara menjabarkan Commissioners in carrying out supervision by elaborating on
secara operasional baik perencanaan, pelaksanaan, ataupun an operational basis of audit planning, implementation, and
pemantauan audit; monitoring;
2. Membuat analisis dan penilaian di bidang keuangan, 2. To analyze and assess finance, accounting, operations, and
akuntansi, operasional, dan kegiatan lainnya melalui audit; other activities through audits;
3. Mengidentifikasi segala kemungkinan untuk memperbaiki 3. To identify all possibilities to improve and increase the
dan meningkatkan efisiensi penggunaan sumber daya dan efficiency of the use of resources and funds; and
dana; serta
4. Memberikan saran perbaikan dan informasi yang objektif tentang 4. To provide suggestions for improvement and objective
kegiatan yang diperiksa pada semua tingkatan manajemen. information about the activities audited at all levels of
management.
Pelaksanaan Tugas Implementation of Duties
Berikut informasi pelaksanaan kegiatan SKAI selama tahun 2023. The following is information on the implementation of SKAI
1. Pemeriksaan wajib (mandatory audit) berdasarkan ketentuan activities during 2023.
yang berlaku, yaitu Laporan Hasil Pemeriksaan Keuangan 1. Mandatory audit based on applicable regulations, namely
(LHPK) dan Security Audit (SKN-BI, BI-RTGS, BI-ETP, BI-SSSS, BI- Financial Audit Report (LHPK) and Security Audit (SKN-BI, BI-RTGS,
FAST dan Kantor Pengelola Daftar Hitam Nasional (KPDHN)), BI-ETP, BI-SSSS, BI-FAST and National Blacklist Management
Sistem Layanan Informasi Keuangan (SLIK) Single Customer Office (KPDHN)), Financial Information Service System (SLIK)
View (SCV)/Lembaga Penjamin Simpanan, Alat Pembayaran Single Customer View (SCV)/Safety Deposit Insurance Institution,
dengan Menggunakan Kartu (APMK), dan Internal Capital Payment Instruments Using Cards (APMK), and Internal Capital
Adequacy Assessment Process (ICAAP). Adequacy Assessment Process (ICAAP).
2. Pemeriksaan regular terkait divisi/departemen sebanyak 2. Regular inspections related to divisions/departments amounted
2 penugasan, kantor cabang sebanyak 5 penugasan, dan to 2 assignments, branch offices amounted to 5 assignments,
kantor cabang pembantu sebanyak 8 penugasan. and sub-branch offices amounted to 8 assignments;
3. Pemeriksaan information technology sebanyak 4 penugasan, 3. Information technology examination as much as 4 assignments,
terdiri dari Implementasi ISO/IEC 27001:2022, IT Corebanking consisting of ISO/IEC 27001: 2022 IT Corebanking Funding,
Funding, Management Project TI Wealth Management Wealth Management System (WMS) IT Project Management,
System (WMS), dan Post Implementation Review (PIR) Internet and Post Implementation Review (PIR) Internet Banking and
Banking dan Mobile Banking. Mobile Banking.
4. Pemeriksaan khusus sebanyak 12 penugasan. 4. Special inspections amounted to 12 assignments.
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Tata Kelola Perusahaan
Corporate Governance
Temuan dan Tindak Lanjut Findings and Follow Up
SKAI setiap tahun melakukan sistem peninjauan ulang yang SKAI annually conducts an appropriate and adequate review
sesuai dan memadai terhadap temuan audit yang diterima system of audit findings received from each auditor. Furthermore,
dari masing-masing auditor. Selanjutnya, hasil audit tersebut the audit results are analyzed and reported to the Board of
dianalisa dan dilaporkan kepada Direksi sebagai temuan yang Directors as findings that must be followed up. In 2023, SKAI
harus ditindaklanjuti. Pada tahun 2023, SKAI telah melakukan collected data that needs to be followed up as follows.
pengumpulan data yang perlu ditindaklanjuti sebagai berikut.
Persentase
Total Temuan
Status Percentage
Total Findings
(%)
In Progress 55 10,68
Extend 1 0,19
Closed (Done) 459 89,13
Total 515 100,00
Penilaian Kinerja Performance Assessment
Evaluasi kinerja personel SKAI didasarkan pada pencapaian The performance evaluation of SKAI personnel is based on the
key performance indicator (KPI) yang telah ditetapkan pada awal achievement of key performance indicators (KPIs) set at the
tahun buku. Adapun KPI yang digunakan terdiri dari tingkat beginning of the fiscal year. The KPIs used consist of the level of
pemenuhan sasaran audit, tingkat keakuratan dan relevansi fulfillment of audit objectives, the level of accuracy and relevance
hasil audit, tingkat kepuasan penggunaan jasa SKAI, efisiensi of audit results, the level of satisfaction with the use of SKAI
dan efektivitas SKAI, serta tingkat kepatuhan dengan standar services, the efficiency and effectiveness of SKAI, and the level of
profesional. compliance with professional standards.
Pengembangan Kompetensi Competency Development
Pada tahun 2023, Kepala SKAI melaksanakan pelatihan secara In 2023, the Head of SKAI conducted training independently
mandiri melalui buku dan beragam media informasi digital. through books and various digital information media.
Sistem Pengendalian Internal
Internal Control System
Bank menerapkan sistem pengendalian internal secara The Bank implements a comprehensive internal control system
komprehensif pada unit/divisi kerja. Penerapan sistem pengendalian in working units/divisions. The implementation of the internal
internal bertujuan untuk memberikan suatu keyakinan terhadap control system aims to provide assurance on the effectiveness
efektivitas dan efisiensi operasional Bank, menjamin tersedianya and efficiency of the Bank’s operations, ensure the availability
pelaporan keuangan yang akurat dan andal, meningkatkan of accurate and reliable financial reporting, improve compliance
kepatuhan terhadap prosedur dan peraturan yang diberlakukan, with applicable procedures and regulations, and reduce the risk of
serta mengurangi risiko terjadinya kerugian, penyimpangan, dan losses, irregularities, and violations of prudential aspects.
pelanggaran aspek kehati-hatian.
Sistem pengendalian internal Bank berpedoman pada Surat The Bank’s internal control system is guided by the Circular
Edaran Otoritas Jasa Keuangan No. 35/SEOJK.03/2017 tentang Letter of the Financial Services Authority No. 35/SEOJK.03/2017
Pedoman Sistem Pengendalian Internal bagi Bank Umum, serta concerning Internal Control System Guidelines for Commercial
disesuaikan dengan struktur organisasi dan perkembangan Banks, as well as adjusted to the organizational structure and the
industri perbankan terkini. latest banking industry developments.
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Penerapan Sistem Pengendalian Internal Implementation of Internal Control
dan Kesesuaian dengan COSO Systems and Conformity with COSO
Penerapan sistem pengendalian internal Bank dilaksanakan The implementation of the Bank’s internal control system is carried
mengacu pada standar internasional yang dikeluarkan oleh out in accordance with international standards issued by the
Committee of Sponsoring Organization of Tradeway Commission Committee of Sponsoring Organization of Tradeway Commission
(COSO), berupa kriteria Internal Control-Integrated Framework. (COSO), in the form of Internal Control-Integrated Framework
Dalam COSO-Internal Control-Integrated Framework, terdapat criteria. In the COSO-Internal Control-Integrated Framework,
5 komponen sistem pengendalian internal sebagai kerangka there are 5 components of the internal control system as the main
utama yang secara sistematis dan terintegrasi membentuk suatu framework that systematically and integratedly form an effective
sistem pengendalian yang efektif dan efisien. and efficient control system.
Adapun penerapan sistem pengendalian internal Bank Ina The implementation of Bank Ina’s internal control system and its
dan kesesuaiannya dengan COSO-Internal Control-Integrated conformity with the COSO-Internal Control-Integrated Framework
Framework diuraikan sebagai berikut. is described as follows.
Komponen
Pengendalian Internal Kesesuaian dengan COSO
Internal Control Conformity with COSO
Components
Lingkungan Pengendalian • Menunjukkan komitmen terhadap nilai integritas dan • Demonstrate commitment to the values of integrity and
Control Environment etika; ethics;
• Tanggung jawab pengawasan; • Supervisory responsibilities;
• Menetapkan struktur, kewenangan, dan tanggung jawab; • Establish structure, authority, and responsibility;
• Komitmen terhadap kompetensi; serta • Commitment to competence; and
• Menegakkan akuntabilitas. • Uphold accountability.
Penilaian Risiko • Menentukan tujuan yang cocok; • Determine suitable goals;
Risk Assessment • Mengidentifikasi dan menganalisis risiko; • Identify and analyze risks;
• Menilai risiko penipuan; serta • Assess fraud risk; and
• Mengidentifikasi dan menganalisis perubahan yang • Identify and analyze significant changes.
signifikan.
Aktivitas Pengendalian • Memilih dan mengembangkan aktivitas pengendalian; • Select and develop control activities;
Control Activity • Memilih dan mengembangkan kontrol umum atas • Select and develop general control over technology; and
teknologi; serta
• Menyebarkan melalui kebijakan dan prosedur. • Deploy through policies and procedures.
Informasi dan Komunikasi • Menggunakan informasi yang relevan; • Use relevant information;
Information and • Berkomunikasi secara internal; serta • Communicate internally; and
Communication • Berkomunikasi secara eksternal. • Communicate externally.
Kegiatan Pemonitoran • Melakukan evaluasi yang sedang berjalan dan/atau • Conduct ongoing and/or separate evaluations; and
Monitoring Activities terpisah; serta
• Mengevaluasi dan mengomunikasikan kekurangan. • Evaluate and communicate deficiencies.
Evaluasi Efektivitas Sistem Pengendalian Evaluation of the Effectiveness of Internal
Internal Control System
Bank Ina secara berkala melaksanakan evaluasi efektivitas sistem Bank Ina periodically evaluates the effectiveness of the internal
pengendalian internal. Evaluasi tersebut dilakukan oleh SKAI control system. The evaluation is conducted by SKAI in all
pada seluruh divisi/unit kerja. Hasil evaluasi kemudian dilaporkan divisions/work units. The evaluation results are then reported
kepada Direktur Utama, Komisaris Utama, serta Komite Audit to the President Director, President Commissioner, and Audit
untuk ditelaah dan ditindaklanjuti. Committee for review and follow-up.
Pernyataan Dewan Komisaris dan Direksi Statement of the Board of Commissioners
atas Kecukupan Sistem Pengendalian and Board of Directors on the Adequacy of
Internal Internal Control System
Dewan Komisaris dan Direksi memandang sistem pengendalian The Board of Commissioners and the Board of Directors consider
internal telah dilaksanakan dengan baik selama tahun 2023. Namun that the internal control system has been well implemented during
demikian, Dewan Komisaris dan Direksi berharap penerapan sistem 2023. However, the Board of Commissioners and the Board of
pengendalian internal diupayakan meningkat setiap tahunnya guna Directors expect the implementation of the internal control system
menjaga dan mempertahankan bisnis Bank yang berkesinambungan. to improve every year in order to maintain and sustain the Bank’s
sustainable business.
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Tata Kelola Perusahaan
Corporate Governance
Manajemen Risiko
Risk Management
Manajemen risiko Bank Ina dikelola dengan melibatkan Bank Ina’s risk management is managed by involving supervision
pengawasan dari seluruh organ, seperti Direktur Utama dan from all organs, such as the President Director and the Board
Dewan Komisaris melalui Komite Pemantau Risiko. Selain itu, of Commissioners through the Risk Monitoring Committee.
Bank juga membentuk Komite Manajemen Risiko dan Divisi In addition, the Bank also established a Risk Management
Manajemen Risiko yang independen terhadap satuan kerja Committee and Risk Management Division that are independent
operasional dan bisnis. of operational and business work units.
Struktur organisasi pengelola manajemen risiko Bank Ina The organizational structure of Bank Ina’s risk management
diungkapkan sebagai berikut. management is disclosed as follows.
Satuan Kerja Manajemen Risiko
Risk Management Work Unit
Direktur Utama
President Director
Komite Pemantau Risiko Komite Manajemen Risiko
Risk Monitoring Committee Risk Management Committee
Direktur Manajemen Risiko dan Kepatuhan
Director of Risk Management and Compliance
Kepala Divisi Manajemen Risiko
Head of Risk Management Division
Identifikasi, Kebijakan,
dan Pemantau Risiko Pendukung Pelaporan
Risk Identification, Policy, Reporting Support
and Monitoring
Divisi Manajemen Risiko Risk Management Division
Divisi Manajemen Risiko bertanggung jawab untuk menjalankan Risk Management Division is responsible for performing risk
fungsi tata kelola manajemen risiko secara independen. Sebagai management governance function independently. As a second
second line of defense, divisi ini dapat berkoordinasi dengan line of defense, this division may coordinate with all business
seluruh unit bisnis dan unit pendukung, mulai dari level strategis units and support units, from strategic level to transaction level
sampai dengan level transaksi untuk menjalankan proses in order to carry out the process of identification, measurement,
identifikasi, pengukuran, pemantauan, pengendalian, sistem monitoring, control, information system, and a comprehensive
informasi, serta sistem pengendalian internal yang menyeluruh. internal control system.
Divisi Manajemen Risiko dipimpin oleh Kepala Divisi Manajemen The Risk Management Division is led by the Head of Risk
Risiko yang bertanggung jawab langsung kepada Direktur Management Division who is responsible directly to Director of Risk
Manajemen Risiko dan Kepatuhan. Informasi terkait profil Kepala Management and Compliance. The profile of Risk Management
Divisi Manajemen Risiko telah disampaikan pada pembahasan Division Head is presented in the discussion of Executive Officer
Profil Pejabat Eksekutif dalam Laporan Tahunan ini. Profiles in this Annual Report.
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Tanggung Jawab dan Wewenang Responsibilities and Authorities of
Divisi Manajemen Risiko Risk Management Division
Berikut tanggung jawab dan wewenang Divisi Manajemen Risiko The following are the responsibilities and authorities of Bank Ina’s
Bank Ina: Risk Management Division:
1. Memberikan masukan kepada Direksi dalam penyusunan 1. Provide input to the Board of Directors in formulating risk
kebijakan, strategi, dan kerangka manajemen risiko. management policies, strategies, and frameworks.
2. Mengembangkan prosedur dan alat untuk identifikasi, 2. Develop procedures and tools for identification, measurement,
pengukuran, pemantauan, dan pengendalian risiko. monitoring, and risk control.
3. Mendesain dan menerapkan perangkat yang dibutuhkan 3. Design and implement the tools needed in the implementation
dalam penerapan manajemen risiko. of risk management.
4. Memantau implementasi kebijakan, strategi, dan kerangka 4. Monitor the implementation of risk management policies,
manajemen risiko yang direkomendasikan oleh Komite strategies and frameworks recommended by the Risk
Manajemen Risiko dan yang telah disetujui oleh Direksi. Management Committee and those approved by the Board of
Directors.
5. Memantau posisi atau eksposur risiko secara keseluruhan, 5. Monitor overall risk position or exposure, as well as per
maupun per risiko termasuk pemantauan kepatuhan terhadap risk, including monitoring compliance with established risk
toleransi risiko dan limit yang ditetapkan. tolerances and limits.
6. Melakukan stress testing guna mengetahui dampak dari 6. Conduct the stress testing to determine the impact of the
implementasi kebijakan dan strategi manajemen risiko implementation of risk management policies and strategies
terhadap portofolio atau kinerja Bank secara keseluruhan. on the overall portfolio or performance of the Bank.
7. Mengkaji usulan aktivitas dan/atau aktivitas baru yang 7. Reviewing proposed new activities and/or activities developed
dikembangkan oleh suatu unit tertentu Bank yang difokuskan by a particular unit of the Bank which is focused primarily on
terutama pada aspek kemampuan Bank untuk mengelola aspects of the Bank’s ability to manage new products/activities
produk/aktivitas baru termasuk kelengkapan sistem dan including the completeness of the systems and procedures
prosedur yang digunakan serta dampaknya terhadap eksposur used and their impact on the Bank’s risk exposure.
risiko Bank secara keseluruhan.
8. Memberikan rekomendasi kepada satuan kerja bisnis 8. Provide recommendations to business work units and/or to the
dan/atau kepada Komite Manajemen Risiko terkait penerapan Risk Management Committee regarding the implementation
manajemen risiko antara lain mengenai besaran atau of risk management, including regarding the amount or
maksimum eksposur risiko yang dapat dipelihara Bank. maximum risk exposure that can be maintained by the Bank.
9. Mengevaluasi akurasi dan validitas data yang digunakan oleh 9. Evaluating the accuracy and validity of the data used by the
Bank untuk mengukur risiko bagi Bank yang menggunakan Bank to measure risk for Banks using models for internal
model untuk keperluan internal. purposes.
10. Menyusun dan menyampaikan laporan profil risiko kepada 10. Prepare and submit risk profile reports to the President
Direktur Utama, Direktur Kepatuhan, dan Komite Manajemen Director, Compliance Director, and the Risk Management
Risiko secara berkala atau paling sedikit secara triwulanan. Committee periodically or at least quarterly. Report frequency
Frekuensi laporan harus ditingkatkan dalam hal kondisi pasar should be increased in case market conditions change rapidly.
berubah dengan cepat.
11. Melaksanakan kaji ulang secara berkala dengan frekuensi 11. Carry out periodic reviews with a frequency adjusted to the
yang disesuaikan kebutuhan Bank, untuk memastikan: needs of the Bank, to ensure:
a. Kecukupan kerangka manajemen risiko; a. Adequacy of the risk management framework;
b. Keakuratan metodologi penilaian risiko; dan b. Accuracy of the risk assessment methodology; and
c. Kecukupan sistem informasi manajemen risiko. c. Adequacy of risk management information system.
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Tata Kelola Perusahaan
Corporate Governance
Fokus dan Realisasi Program Kerja Manajemen Focus and Realization of Risk Management
Risiko Work Program
Untuk dapat meningkatkan kinerja, profit, dan pangsa pasar yang In order to improve its performance, profit and market share, Bank
dimiliki, Bank Ina terus melakukan pengembangan bisnis melalui Ina continues to expand its business through the development of
pengembangan produk dan aktivitas baru agar dapat mengikuti new products and activities to keep pace with the digital banking
perkembangan di era perbankan digital. Hal ini terus dilakukan era. This continues to be done by the Bank on an ongoing basis.
oleh Bank secara berkesinambungan.
Penetrasi pasar terus dilakukan dengan rencana pembukaan Market penetration continues with plans to open new branch
kantor cabang baru maupun merelokasi kantor cabang di offices and relocate branch offices in several cities in Indonesia.
beberapa kota di Indonesia. Langkah ini bertujuan untuk This step aims to expand the reach and increase the Bank’s market
memperluas jangkauan dan meningkatkan pangsa pasar Bank, share, which at the same time supports the marketing of new
yang sekaligus mendukung pemasaran produk dan aktivitas baru products and activities as well as to work on the MSME busi-ness
serta untuk menggarap sektor bisnis UMKM. Selain itu, aktivitas sector. In addition, Bank Ina’s activities as a Foreign Exchange Bank
Bank Ina sebagai Bank Devisa yang telah diimplementasikan sejak which were implement-ed from September 23, 2020 to December
tanggal 23 September 2020 sampai dengan Desember 2023 telah 2023 have shown good progress.
menunjukkan perkembangan yang baik.
Sejalan dengan hal tersebut, kebijakan manajemen risiko di tahun In line with this, the risk management policy in 2023 emphasizes
2023 memberikan arah penekanan pada upaya untuk meningkatkan efforts to improve the effec-tiveness of risk control towards
efektivitas pengendalian risiko terhadap perkembangan penyaluran a healthier de-velopment of the Bank’s distribution of funds,
dana Bank yang lebih sehat, terutama pada aktivitas penyaluran especially in lending activities and loans affected by the Covid-19
kredit dan kredit yang terdampak pandemi Covid-19, produk dan pandemic, the Bank’s new products and activities, monitoring
aktivitas baru Bank, monitoring risiko likuiditas dan pasar, aktivitas liquidity and market risks, activities as a Foreign Exchange Bank,
sebagai Bank Devisa, serta aktivitas perbankan lainnya yang arahnya and other banking activities whose direc-tion is in line with the
sejalan dengan strategi bisnis Bank. Bank’s business strategy.
Pada tanggal 19 Mei 2023, Bank Ina memperoleh sertifikat ISO On May 19, 2023, Bank Ina obtained ISO 27001:2022
27001:2022 untuk ruang lingkup The provision of Information certificate for the scope of the provi-sion of Information Security
Security Management Systems for Customer Data Protection Management Sys-tems for Customer Data Protection in the Ac-
in the Account Provisioning and Processing in Internet Banking count Provisioning and Processing in Internet Banking & Mobile
& Mobile Banking, di mana sertifikat tersebut berlaku selama 3 Banking, where the certificate is valid for 3 years and surveillance
tahun dan akan dilakukan audit surveillance setiap tahunnya. audits will be conducted every year. For 2024, the surveillance
Untuk tahun 2024, audit surveillance dilakukan pada bulan April audit will be conducted in April 2024 by the certi-fication body.
2024 oleh Lembaga sertifikasi.
Dengan diberlakukannya Peraturan Otoritas Jasa Keuangan With the enactment of the Financial Services Authority Regulation
No. 21 Tahun 2023 tentang Layanan Digital oleh Bank Umum per No. 21 of 2023 on Digital Services by Commercial Banks as of
tanggal 19 Desember 2023, maka Bank Ina melakukan pengkinian December 19, 2023, Bank Ina updated its Digital Services Policy to
Kebijakan Layanan Digital agar memenuhi peraturan Otoritas Jasa comply with applicable Financial Ser-vices Authority regulations. In
Keuangan yang berlaku. Selain itu, pada 2 Agustus 2023, Otoritas addition, on Au-gust 2, 2023, the Financial Services Authority is-
Jasa Keuangan menerbitkan Surat Edaran Otoritas Jasa Keuangan sued Financial Services Authority Circular No. 24/SEOJK.03/2023
No. 24/SEOJK.03/2023 tentang (Digital Maturity Assessment for on Digital Maturity Assess-ment for Banks (DMAB). Related to
Bank (DMAB). Terkait hal ini, Bank Ina melakukan self-assessment this, Bank Ina conducts self-assessment to assess the Bank’s digital
untuk melakukan penilaian tingkat maturitas digital Bank yang maturity level which will be submit-ted to the Financial Services
akan disampaikan ke Otoritas Jasa Keuangan paling lambat akhir Authority by the end of June 2024.
Juni 2024.
Pengembangan Kompetensi Competency Development of
Divisi Manajemen Risiko Risk Management Division
Dalam rangka memaksimalkan kinerja Divisi Manajemen Risiko, In order to maximize the performance of the Risk Management
Bank menyediakan program pengembangan kompetensi kepada Division, the Bank provides competency development programs
seluruh personil divisi tersebut, baik yang diselenggarakan oleh to all per-sonnel of the division, either organized by the Bank
internal Bank ataupun bekerja sama dengan pihak eksternal internally or in collaboration with external parties in the form of
dalam bentuk pelatihan dan pendidikan, seminar, workshop, dan training and education, seminars, workshops, and other activities.
kegiatan lainnya. Selama tahun 2023, Divisi Manajemen Risiko Dur-ing 2023, the Risk Management Division con-ducted
telah melaksanakan program pengembangan kompetensi yang competency development programs as described below.
diuraikan sebagai berikut.
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Materi Pengembangan Tempat dan Waktu Pelaksanaan Penyelenggara
Development Materials Place and Time Organizer
Pelatihan ATMR Risiko Pasar Jakarta, Juli 2023 Lembaga Pengembangan Profesi Risiko, Manajemen, Gagasan (LPP RMG)
Market Risk RWA Training Jakarta, July 2023 Professional Development Institute for Risk, Management, Ideas (LPP RMG)
Pelatihan Green Banking &
Keuangan Berkelanjutan Jakarta, September 2023
Bank Ina Perdana
Green Banking & Sustainable Jakarta, September 2023
Finance Training
Pelatihan OBS Settlement and
Trading System (OSTS) Jakarta, Oktober 2023
Bank Ina Perdana
OBS Settlement and Trading Jakarta, October 2023
System (OSTS) Training
Pelatihan Risk Based Pricing Jakarta, Oktober 2023 Lembaga Pengembangan Profesi Risiko, Manajemen, Gagasan (LPP RMG)
Risk Based Pricing Training Jakarta, October 2023 Professional Development Institute for Risk, Management, Ideas (LPP RMG)
Sertifikasi Manajemen Risiko Risk Management Certification
Dalam rangka meningkatkan potensi personil Divisi Manajemen In order to increase the potential of the Risk Management
Risiko, Bank mengikutsertakan personil divisi tersebut dalam Division personnel, the Bank par-ticipates in the Risk Management
Ujian Sertifikasi Manajemen Risiko yang diselenggarakan Certification Examination organized by the Banking Profes-
oleh Lembaga Sertifikasi Profesi Perbankan (LSPP) dan Badan sional Certification Institute (LSPP) and the Risk Management
Sertifikasi Manajemen Risiko (BSMR). Pada tahun 2023, sertifikasi Certification Board (BSMR). In 2023, the risk management
manajemen risiko yang dimiliki oleh personil Divisi Manajemen certifications held by Risk Management Division personnel are dis-
Risiko, diungkapkan pada tabel berikut. closed in the following table.
Jumlah Karyawan
Level Sertifikasi Certification Level
Total Employees
Sertifikasi Manajemen Risiko Level 1 105 Level 1 Risk Management Certification
Sertifikasi Manajemen Risiko Level 2 51 Level 2 Risk Management Certification
Sertifikasi Manajemen Risiko Level 3 36 Level 3 Risk Management Certification
Sertifikasi Manajemen Risiko Level 4 20 Level 4 Risk Management Certification
Sertifikasi Manajemen Risiko Level 5 8 Level 5 Risk Management Certification
Total 220 Total
Penilaian Tingkat Kesehatan Bank berdasar Bank Soundness Level Assessment based
Penilaian Sendiri (Self Assessment Bank) on Bank Self-Assessment
Tingkat Kesehatan Bank Ina, berdasar hasil penilaian yang Bank Ina’s soundness level was based on the results of assessment
dilakukan oleh Bank Ina sendiri (Self Assement Bank) carried out by Bank Ina itself (Bank Self-Assessment) with reference
dengan mengacu pada Peraturan Otoritas Jasa Keuangan to Financial Services Authority Regulation No. 17 of 2023 and
No. 17 tahun 2023 dan Surat Edaran Otoritas Jasa Keuangan Financial Services Authority Circular No. 13/SEOJL 03/2017 on
No. 13/SEOJK.03/2017 tentang Tata Kelola Perusahaan bagi Corporate Governance for Commercial Banks. Based on the 2023
Bank Umum. Berdasar hasil Self Assessment GCG tahun 2023) GCG Self-Assessment results, the Bank received a composite
memperoleh penilaian komposit 2 (Low to Moderate). rating of 2 (Low to Moderate).
Tool dan Metodologi Manajemen Risiko Risk Management Tools and Methodologies
Dalam rangka meningkatkan pengelolaan risiko yang dimiliki, In order to improve its risk management, in 2023, the Bank
pada tahun 2023, Bank telah mengimplementasikan beberapa has implemented several tools and methodologies to identify,
tool dan metodologi untuk dapat mengidentifikasi, mengukur, measure, moni-tor, and manage risks, including:
memonitor, dan mengelola risiko, di antaranya:
1. Loss Event Databased (LED), merupakan databased 1. Loss Event Databased (LED), is an operational loss database
kerugian operasional yang dapat digunakan sebagai sarana that can be used as a learning tool for events that have the
pembelajaran kejadian yang berpotensi maupun yang telah potential or have resulted in losses so that in the future the
mengakibatkan kerugian sehingga di masa yang akan datang Bank can take the necessary mitigation steps. In addition,
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Tata Kelola Perusahaan
Corporate Governance
Bank dapat melakukan langkah-langkah mitigasi yang LED is also used as a means of calculating operational loss
diperlukan. Selain itu, LED juga digunakan sebagai sarana provisioning by the Bank;
perhitungan pencadangan kerugian operasional oleh Bank;
2. Risk Control Self-Assessment (RCSA), merupakan tool yang 2. Risk Control Self-Assessment (RCSA), is a tool used by the
digunakan Bank untuk melakukan self-assessment atas risiko Bank to conduct self-assessment of operational risk so that
operasional agar dapat diidentifikasi, diukur, dimonitor, dan it can be identified, measured, monitored, and managed
dikelola dengan baik; proper-ly;
3. Liquidity Coverage Ratio (LCR), merupakan tool yang 3. Liquidity Coverage Ratio (LCR), is a tool used to measure the
digunakan untuk mengukur kemampuan Bank dalam Bank’s ability to meet liquidity needs for the next 30 days;
mencukupi kebutuhan likuiditas selama 30 hari ke depan; dan
4. Net Stable Funding Ratio (NSFR), merupakan tool yang 4. Net Stable Funding Ratio (NSFR), is a tool used to measure
digunakan untuk mengukur perbandingan antara kebutuhan the comparison between stable funding requirements and the
pendanaan stabil dengan ketersediaan dana stabil yang availa-bility of stable funds owned by the Bank.
dimiliki oleh Bank.
Evaluasi terhadap Efektivitas Evaluation of the Effectiveness of
Manajemen Risiko Risk Management
Divisi Manajemen Risiko secara berkala mengevaluasi sistem The Risk Management Division periodically evaluates the risk
manajemen risiko untuk mengetahui kekurangan dari management system to identify deficiencies in the implementation
pelaksanaan pengendalian internal ataupun proses mitigasi yang of internal control or mitigation process. Thus, the Bank can
telah diterapkan. Dengan demikian, Bank dapat memaksimalkan implement better and more effective risk management and
penerapan manajemen risiko dan proses mitigasi yang lebih baik mitigation process in the following periods.
dan efektif pada periode-periode berikutnya.
Pernyataan Dewan Komisaris dan Direksi Statement of the Board of Commissioners
atas Kecukupan Manajemen Risiko and Board of Directors on Adequacy of
Risk Management
Pada tahun 2023, Dewan Komisaris dan Direksi telah menilai In 2023, the Board of Commissioners and Board of Directors
penerapan manajemen risiko. Hasil penilaian tersebut assessed the implementation of risk management. The assessment
menunjukkan bahwa manajemen risiko Bank telah dilaksanakan results showed that the Bank’s risk management has been well
dengan baik, yang dibuktikan dengan tidak terjadinya risiko implemented, as evidenced by the absence of risks that had
yang berdampak signifikan terhadap aktivitas bisnis serta proses a significant impact on business activities and a good and solid
mitigasi yang baik dan solid. mitigation process.
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Fungsi Kepatuhan
Compliance Function
Fungsi Kepatuhan diterapkan untuk memastikan semua The Compliance Function is implemented to ensure that all
kebijakan, sistem, ataupun prosedur terkait bisnis Bank telah policies, systems, or procedures related to the Bank’s business
diterapkan sesuai dengan peraturan perundang-undangan yang have been implemented in accordance with the prevailing laws
berlaku. Penerapan Fungsi Kepatuhan tersebut menjadi tugas dan and regulations. The implementation of the Compliance Function
tanggung jawab dari Satuan Kerja Kepatuhan Bank. is the duty and responsibility of the Bank’s Compliance Unit.
Pedoman Operasional Kepatuhan Compliance Operational Guidelines
Satuan Kerja Kepatuhan menjalankan tugas dan tanggung The Compliance Working Unit carries out its duties and responsibilities
jawabnya mengacu pada Pedoman Kerja Satuan Kerja Kepatuhan referring to the Work Guidelines for the Compliance Working Unit
dan Unit Kerja Anti Pencucian Uang dan Pencegahan Pendanaan and Anti-Money Laundering and Counter-Terrorism Financing (APU/
Terorisme (APU-PPT) No. Com/006/01/0919 tanggal 12 September CTF) Work Unit No. Com/006/01/0919 dated September 12, 2019
2019 dan Piagam Kepatuhan yang diterbitkan tanggal 20 Mei 2019, and the Compliance Charter issued on May 20, 2019, which has
yang telah disesuaikan dengan Peraturan Otoritas Jasa Keuangan been adjusted to the Financial Services Authority Regulation No. 46/
No. 46/POJK.03/2017 tentang Fungsi Kepatuhan Bank Umum. POJK.03/2017 on the Compliance Function of Commercial Banks.
Struktur Organisasi Fungsi Kepatuhan Compliance Function Organizational
Structure
Bank Ina telah membentuk struktur organisasi Fungsi Kepatuhan Bank Ina has established a Compliance Function organizational
yang diungkapkan sebagai berikut. structure which is disclosed as follows.
Struktur Organisasi Kepatuhan dan APU-PPT
Organizational Structure of Compliance and AML-CTF
Direktur Utama
President Director
Direktur Manajemen Risiko
dan Kepatuhan
Director of Risk Management
and Compliance
Kepala Departemen
Kepatuhan & APU-PPT
Head of Compliance &
AML-CTF Department
Pemantauan Perizinan & Pemenuhan Uji Kepatuhan, Administrasi,
Permintaan Otoritas dan Pelaporan Pemantauan Akun dan Pelaporan
Licensing Monitoring & Authorization Compliance Test, Administration, Account Monitoring and Reporting
Request Fulfillment and Reporting
Jaringan Kantor
Office Network
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Tata Kelola Perusahaan
Corporate Governance
Pelaksana Fungsi Kepatuhan Compliance Function Executor
Direktur Fungsi Kepatuhan Director of Compliance Function
Fungsi Kepatuhan Bank Ina dipantau oleh Direktur Manajemen Bank Ina’s Compliance function is monitored by the Director of
Risiko dan Kepatuhan dengan tugas dan tanggung jawab sebagai Risk Management and Compliance with the following duties and
berikut: berikut:
1. Merumuskan strategi guna mendorong terciptanya Budaya 1. Formulate strategies to encourage the creation of the Bank’s
Kepatuhan Bank; Compliance Culture;
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip 2. Propose compliance policies or compliance principles to be
kepatuhan yang akan ditetapkan oleh Direksi; determined by the Board of Directors;
3. Menetapkan sistem dan prosedur kepatuhan yang akan 3. Establish compliance systems and procedures that will be used
digunakan untuk menyusun ketentuan dan pedoman internal to develop the Bank’s internal regulations and guidelines;
Bank;
4. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, 4. 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 Otoritas Jasa Keuangan, Bank accordance with the provisions of the Financial Services Authority,
Indonesia, dan peraturan perundang-undangan yang berlaku; Bank Indonesia, and the applicable laws and regulations;
5. Meminimalkan risiko kepatuhan Bank; 5. Minimizing the Bank’s compliance risk;
6. Melakukan tindakan pencegahan agar kebijakan dan/atau 6. Take preventive measures so that the policies and/or decisions
keputusan yang diambil Direksi Bank tidak menyimpang dari taken by the Board of Directors of the Bank do not deviate
ketentuan Bank Indonesia atau Otoritas Jasa Keuangan dan from the provisions of Bank Indonesia or the Financial Services
peraturan perundang-undangan yang berlaku; Authority and the applicable laws and regulations;
7. Melakukan tugas-tugas lain terkait fungsi kepatuhan, yaitu: 7. Perform other tasks related to the compliance function:
a. Memastikan kepatuhan Bank terhadap komitmen a. Ensuring the Bank’s compliance with the commitments
yang dibuat oleh Bank kepada Otoritas Jasa Keuangan made by the Bank to the Financial Services Authority and/
dan/atau otoritas pengawas lain yang berwenang; serta or other authorized supervisory authorities; and
b. Melakukan sosialisasi kepada seluruh pegawai Bank b. Conducting dissemination to all Bank employees
mengenai hal-hal yang terkait dengan fungsi kepatuhan, regarding matters related to the compliance function,
terutama mengenai ketentuan yang berlaku. especially regarding applicable regulations.
Departemen Kepatuhan dan APU-PPT Compliance Department and AML-CTF
Departemen Kepatuhan dan APU-PPT juga bertanggung jawab The Compliance and AML/CTF Department is also responsible
dalam menjalankan Fungsi Kepatuhan, dengan tugas dan for carrying out the Compliance Function, with duties and
tanggung jawab, yaitu: responsibilities, as follow:
1. Membuat langkah untuk mendukung terciptanya Budaya 1. Make steps to support the creation of a Compliance Culture
Kepatuhan pada seluruh kegiatan usaha Bank pada setiap in all Bank business activities at every level of the organization;
jenjang organisasi;
2. Melakukan identifikasi, pengukuran, pemantauan, dan 2. Identify, measure, monitor, and control compliance risk with
pengendalian terhadap risiko kepatuhan dengan mengacu reference to the provisions of the Financial Services Authority
pada ketentuan Otoritas Jasa Keuangan yang mengatur governing the implementation of risk management for
mengenai penerapan manajemen risiko bagi bank umum; commercial banks;
3. Menilai dan mengevaluasi efektivitas, kecukupan, dan 3. Assess and evaluate the effectiveness, adequacy and suitability
kesesuaian kebijakan, ketentuan, sistem maupun prosedur of policies, provisions, systems and procedures owned by the
yang dimiliki oleh Bank dengan ketentuan peraturan Bank with the provisions of laws and regulations;
perundang-undangan;
4. Melakukan kaji ulang dan/atau merekomendasikan 4. Conduct reviews and/or recommend updating and improving
pengkinian dan penyempurnaan kebijakan, ketentuan, sistem policies, regulations, systems and procedures owned by the
maupun prosedur yang dimiliki oleh Bank agar sesuai dengan Bank so that they comply with the provisions of the Financial
ketentuan Otoritas Jasa Keuangan dan ketentuan peraturan Services Authority and the provisions of laws and regulations;
perundang-undangan;
5. Melakukan upaya untuk memastikan bahwa kebijakan, 5. Make efforts to ensure that the policies, provisions, systems
ketentuan, sistem dan prosedur, serta kegiatan usaha Bank and procedures, as well as the Bank’s business activities
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan comply with the provisions of the Financial Services Authority
ketentuan peraturan perundang-undangan; and the provisions of laws and regulations;
6. Melakukan tugas lain yang terkait dengan fungsi kepatuhan; 6. Perform other tasks related to the compliance function; serta
serta
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7. Satuan Kerja Kepatuhan melakukan Uji Kepatuhan Kredit 7. The Compliance Unit conducts a Credit Compliance Test on
terhadap pengajuan kredit lebih dari Rp10 miliar atau lebih credit applications of more than Rp10 billion or more than
dari Rp25 miliar untuk kredit Back to Back (individual/grup Rp25 billion for Back to Back loans (individuals/business
usaha). groups).
Per 31 Desember 2023, Departemen Kepatuhan dan As of December 31, 2023, the Compliance and AML/CTF
APU-PPT mempunyai personel sebanyak 7 orang, termasuk Department had 7 personnel, including the Head of Compliance
Kepala Departemen Kepatuhan dan APU-PPT yang dijabat and AML/CFT Department, Tutok Walter S Saragih, who
oleh Tutok Walter S Saragih yang diangkat berdasarkan Surat was appointed based on the Board of Directors’ Decision
Keputusan Direksi No. SK/DIR/023/0811. Informasi terkait Profil No. SK/DIR/023/0811. Information related to the Profile of
Kepala Departemen Kepatuhan dan APU-PPT telah disampaikan the Head of Compliance and AML-CFT Department has been
pada bagian Profil Pejabat Eksekutif bab Profil Perusahaan dalam presented in the Executive Officer Profile section of the Company
Laporan Tahunan ini. Profile chapter in this Annual Report.
Independensi Fungsi Kepatuhan Compliance Function Independency
Bank Ina memastikan seluruh pelaksana Fungsi Kepatuhan berlaku Bank Ina ensures that all Compliance Function implementers
independen dan objektif dalam melaksanakan tugas dan tanggung are independent and objective in carrying out their duties and
jawabnya. Hal tersebut dibuktikan dengan tidak adanya hubungan responsibilities. This is evidenced by the absence of financial
keuangan, hubungan kepengurusan, hubungan kepemilikan, relationships, management relationships, ownership relationships,
dan/atau hubungan keluarga sampai derajat kedua dengan and/or family relationships to the second degree with members of
anggota Direksi, anggota Dewan Komisaris, dan/atau Pemegang the Board of Directors, members of the Board of Commissioners,
Saham Pengendali atau hubungan dengan Bank yang dapat and/or Controlling Shareholders or relationships with the Bank
memengaruhi kemampuan yang bersangkutan. Bank juga that may affect the ability of the person concerned. The Bank
memastikan seluruh personel di Satuan Kerja Kepatuhan menjaga also ensures that all personnel in the Compliance Working Unit
integritasnya dengan menghindari sedini mungkin adanya potensi maintain their integrity by avoiding as early as possible any
benturan kepentingan. potential conflict of interest.
Pengembangan Kompetensi Departemen Compliance Department and AML-CTF
Kepatuhan dan APU-PPT Competency Development
Dalam rangka meningkatkan kemampuan dan pemahaman In order to improve the ability and understanding of the Compliance
personel Departemen Kepatuhan dan APU-PPT, Bank and AML-CTF Department personnel, the Bank implements
melaksanakan program pengembangan kompetensi untuk seluruh competency development programs for all Compliance and
personel Departemen Kepatuhan dan APU-PPT. Pada tahun AML-CTF Department personnel. In 2023, the Compliance
2023, Departemen Kepatuhan dan APU-PPT telah melaksanakan and AML-CTF Department has implemented a competency
program pengembangan kompetensi yang diuraikan sebagai development program which is described as follows.
berikut.
Materi Pengembangan Tempat dan Waktu Pelaksanaan Penyelenggara
Development Materials Place and Time Organizer
Sosialisasi Aplikasi Pelaporan Online Otoritas Jasa Keuangan (APOLO) Jakarta, 14 Februari 2023 Otoritas Jasa Keuangan
Modul Profesi Jakarta, February 14, 2023 Financial Services Authority
Dissemination of Financial Services Authority Online Reporting
Application (APOLO) Professional Module
Meningkatkan Kolaborasi Perbankan dalam Rangka Pencegahan dan Jakarta, 17 Mei 2023 Forum Komunikasi Direktur
Pemberantasan Tindak Pidana Pencucian Uang dalam Penyelenggaraan Jakarta, May 17, 2023 Kepatuhan Perbankan
Pemilu dan Pilkada yang Berintegritas dan Akuntabel Banking Compliance Director
Enhancing Banking Collaboration in the Prevention and Eradication of Communication Forum
Money Laundering in the Implementation of Elections and Regional
Head Elections with Integrity and Accountability
Sertifikasi Anti Fraud Unit Internal Bank Bandung, 24-25 Juli 2023 American Academy Financial
Certification of Bank’s Internal Anti Fraud Unit Bandung, July 24-25, 2023 Management
Bimbingan Teknis – Training for Trainer terkait Penerapan Program Anti Jakarta, 7 September 2023 Pusat Pelaporan dan Analisis
Pencucian Uang, Pencegahan Pendanaan Terorisme, dan Pencegahan Jakarta, September 7, 2023 Transaksi Keuangan
Pendanaan Proliferasi Senjata Pemusnah Massal Indonesian Financial Transaction
Technical Guidance - Training for Trainers related to the Implementation Reports and Analysis Center
of Anti-Money Laundering Program, Prevention of Financing of (INTRAC)
Terrorism, and Prevention of Financing of Proliferation of Weapons of
Mass Destruction
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Tata Kelola Perusahaan
Corporate Governance
Materi Pengembangan Tempat dan Waktu Pelaksanaan Penyelenggara
Development Materials Place and Time Organizer
Focus Group Discussion Penerapan Pencegahan Pendanaan Proliferasi Jakarta, 11 september 2023 Otoritas Jasa Keuangan
Senjata Pemusnah Massal dan Pencegahan Pendanaan Terorisme Jakarta, September 11, 2023 Financial Services Authority
Focus Group Discussion on Implementation of Prevention of Financing
of Proliferation of Weapons of Mass Destruction and Prevention of
Financing of Terrorism
Sosialisasi Dampak Perubahan Format Nomor Pokok Wajib Pajak (NPWP) Jakarta, 20 September 2023 Direktorat Jenderal Pajak
16 Digit dan Nomor Indentitas Tempat Kegiatan Usaha (NITKU) 22 Jakarta, September 20, 2023 (Kementerian Keuangan)
Dissemination of the Impact of Changes in the Format of Taxpayer Directorate General of Taxes
Identification Number (NPWP) 16 Digits and Business Identity Number (Ministry of Finance)
(NITKU) 22
Pelatihan Green Banking dan Keuangan Berkelanjutan Jakarta, 23 September 2023 Bank Ina
Green Banking and Sustainable Finance Training Jakarta, September 23, 2023
Leadership Jakarta, 6 November 2023 dan Xerofi Indonesia
15 Desember 2023
Jakarta, November 6, 2023 and
December 15, 2023
Seminar Sosialisasi Sectoral Risk Assesement (SRA) Jakarta, 14 Desember 2023 Otoritas Jasa Keuangan
Dissemination of Sectoral Risk Assesement (SRA) Seminar Jakarta, December 14, 2023 Financial Services Authority
Pelaksanaan Program Kerja Fungsi Kepatuhan Implementation of Compliance Function’s Work
Tahun 2023 Program in 2023
Satuan Kerja kepatuhan telah melaksanakan program kerja The Compliance Work Unit implemented the work program well
dengan baik dan efektif selama tahun 2023, yang dipaparkan and effectively during 2023, which is described as follows.
sebagai berikut.
Tanggal Kegiatan
Date Activity
Januari, April, Juli, dan Oktober 2023 Laporan Pengaduan Nasabah kepada Otoritas Jasa Keuangan dan Bank Indonesia
January, April, July, and October 2023 Customer Complaint Report to Financial Services Authority and Bank Indonesia
13 Januari 2023 Laporan Penerapan Strategi Anti-Fraud Semester II Tahun 2022
January 13, 2023 Report on the Implementation of Anti-Fraud Strategy Semester II Year 2022
17 Januari 2023 Penerbitan Pernyataan Anti Gratifikasi, Suap, dan Korupsi
January 17, 2023 Issuance of Anti-Gratification, Bribery and Corruption Statement
13 Januari 2023 Laporan Penerapan Strategi Anti Fraud Semester II Tahun 2022
January 13, 2023 Anti Fraud Strategy Implementation Report Semester II Year 2022
30 Januari 2023 Laporan Penilaian Sendiri (Self-Assessment) Penerapan Tata Kelola Bank Ina Posisi 31 Desember 2022
January 30, 2023 Self-Assessment Report on the Implementation of Bank Ina's Governance Position of December 31, 2022
30 Januari 2023 Laporan Kepatuhan Semester II Tahun 2022 ( Juli-Desember 2022)
January 30, 2023 Compliance Report for the Second Semester of 2022 (July-December 2022)
3 Mei 2023 Proses Screening Data Nasabah Terkait Pemilu
May 3, 2023 Customer Data Screening Process Related to Election
27 Mei 2023 Pemberian Training APU-PPT
May 27, 2023 Providing AML-CTF Training
12 Juni 2023 Penyusunan Petunjuk Pelaksana Persetujuan Nasabah Risiko Tinggi untuk Nasabah Digital
June 12, 2023 Preparation of Implementing Guidelines for High Risk Customer Approval for Digital Customers
14 Juli 2023 Laporan Penerapan Strategi Anti Fraud Semester I Tahun 2023
July 14, 2023 Report on the Implementation of Anti Fraud Strategy Semester I Year 2023
28 Juli 2023 Laporan Penilaian Sendiri (Self-Assessment) Penerapan Tata Kelola Bank Ina Posisi 30 Juni 2023
July 28, 2023 Self-Assessment Report of Ina Bank's Governance Implementation Position of June 30, 2023
28 Juli 2023 Laporan Kepatuhan Semester I Tahun 2023 (Januari-Desember 2022)
July 28, 2023 Compliance Report for the first semester of 2023 (January-December 2022)
12 dan 19 Agustus 2023 Pemberian Pelatihan APU-PPT
August 18 and 19, 2023 Providing AML-CTF Training
30 Agustus 2023 Penyusunan Laporan Transaksi Keuangan Tunai, Laporan Transaksi Keuangan Mencurigakan, Laporan Transaksi
August 30, 2023 Keuangan Luar Negeri, serta Persetujuan Nasabah Risiko Tinggi berbasis Sistem (Aplikasi Workflow)
Preparation of Cash Financial Transaction Report, Suspicious Financial Transaction Report, Foreign Financial
Transaction Report, and System-based High Risk Customer Approval (Workflow Application)
PT Bank Ina Perdana Tbk
306 Laporan Tahunan 2023
Page 309
Tanggal Kegiatan
Date Activity
11 Desember 2023 Pembaruan Kebijakan Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, dan
December 11, 2023 Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal (APU-PPT, dan PPPSPM) sesuai Peraturan Otoritas
Jasa Keuangan No. 8 Tahun 2023 tentang Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan
Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal di Sektor Jasa Keuangan.
Policy Update on the Implementation of Anti-Money Laundering, Countering the Financing of Terrorism, and
Countering the Financing of Proliferation of Weapons of Mass Destruction (APU-PPT and PPPSPM) Program in
accordance with Financial Services Authority Regulation No. 8 of 2023 on the Implementation of Anti-Money
Laundering, Countering the Financing of Terrorism, and Countering the Financing of Proliferation of Weapons of
Mass Destruction Program in the Financial Services Sect
Evaluasi Efektivitas Fungsi Kepatuhan Evaluation of the Effectiveness of
Compliance Function
Penerapan Fungsi Kepatuhan secara berkala dievaluasi oleh Satuan The implementation of the Compliance Function is periodically
Kerja Kepatuhan, yang bertujuan untuk mengetahui kekurangan evaluated by the Compliance Working Unit, which aims to
ataupun kelemahan dalam penerapan Fungsi Kepatuhan. Selama identify deficiencies or weaknesses in the implementation of
tahun 2023, Bank Ina telah berupaya untuk memenuhi kebijakan the Compliance Function. During 2023, Bank Ina endeavored to
dan peraturan terkait penerapan Fungsi Kepatuhan, namun masih comply with policies and regulations related to the implementation
terdapat sanksi administratif dari regulator berkenaan dengan of the Compliance Function, but there are still administrative
kesalahan dan/atau keterlambatan penyampaian laporan. Untuk sanctions from regulators regarding errors and/or delays in
menghindari adanya sanksi administratif pada periode selanjutnya, submitting reports. To avoid administrative sanctions in the next
Bank berupaya untuk melakukan perbaikan dan peningkatan period, the Bank seeks to improve and enhance the management
pengelolaan Fungsi Kepatuhan dengan inisiatif sebagai berikut: of the Compliance Function with the following initiatives:
1. Peningkatan pelatihan bidang operasional sehingga 1. Increased training in the operational field so that task
pelaksanaan tugas dapat lebih baik. Pelatihan dilakukan execution can be better. Training is conducted both externally
baik secara eksternal maupun internal. Pelatihan secara and internally. Internal training can be carried out by internal
internal dapat dilakukan oleh pengajar internal yang lebih instructors who put more emphasis on operational techniques.
menekankan teknis operasional. Peningkatan kemampuan HR capacity building is also carried out through operational
SDM juga dilakukan melalui rapat-rapat operasional; meetings;
2. Penerbitan atau penyesuaian Standar Operasional Prosedur 2. Issuance or adjustment of Standard Operating Procedures
(SOP); (SOP);
3. Penerbitan “Daftar Kewajiban Penyampaian Laporan Bulan 3. The publication of the “List of Obligations for Submission
Berikutnya” oleh Satuan Kerja Kepatuhan guna mengingatkan of Reports for the Next Month” by the Compliance Unit to
unit kerja yang mempunyai kewajiban penyampaian laporan remind work units that have the obligation to submit reports
kepada Bank Indonesia, Otoritas Jasa Keuangan, maupun to Bank Indonesia, the Financial Services Authority, and
otoritas lainnya. Melalui penerbitan memo ini, unit-unit kerja other authorities. Through the issuance of this memo, work
yang berkewajiban diminta agar menyampaikan laporan units that are required to submit reports to regulators in an
kepada regulator secara akurat dan tepat waktu; accurate and timely manner;
4. Peningkatan bidang SDM melalui peningkatan internal 4. Improvement in the field of human resources through internal
control, seperti: control improvement, like:
a. Pelaksanaan rotasi/mutasi karyawan; a. Implementation of employee rotation/transfer;
b. Pemberian izin cuti kepada karyawan yang telah memiliki b. Granting leave permits to employees who already have
hak cuti sebagaimana diatur dalam Ketentuan Cuti; leave rights as stipulated in the Leave Terms;
c. Know your employee sebagai upaya deteksi dini untuk c. Know your employee as an early detection effort to
mengetahui adanya karyawan yang bermasalah dalam find out if there are employees who have problems in
pinjaman yang secara langsung/tidak langsung dapat loans which can directly/indirectly affect work attitudes,
memengaruhi sikap bekerja, maka Bank melakukan the Bank requests Employee and Prospective Debtor
Permintaan Informasi Debitur (iDeb) Karyawan dan Calon Information (iDeb) through the Financial Information
karyawan melalui Sistem Layanan Informasi Keuangan Service System (SLIK); and
(SLIK); serta
PT Bank Ina Perdana Tbk
2023 Annual Report 307
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Tata Kelola Perusahaan
Corporate Governance
d. Dalam upaya meningkatkan kesadaran, kewaspadaan d. In an effort to increase awareness, vigilance against
terhadap fraud dan menumbuhkan budaya anti-fraud, fraud and foster an anti-fraud culture, the Bank
maka Bank menyelenggarakan sosialisasi anti-fraud, conducts anti-fraud dissemination, Implementation of
Penerapan Kebijakan dan Prosedur Strategi Anti-Fraud Anti-Fraud Strategy Policies and Procedures No. KEB/
No. KEB/RMG/13/03/0923 tanggal 6 Oktober 2023, RMG/13/03/0923 dated October 6, 2023, improvement
penyempurnaan pedoman kerja, dan upaya-upaya lain of work guidelines, and other efforts as submitted in the
sebagaimana yang telah disampaikan dalam Laporan Anti-Fraud Strategy Implementation Report;
Penerapan Strategi Anti-Fraud;
5. Penerbitan memo pemberitahuan serta melakukan komunikasi 5. Issuing notification memos and communicating with related
dengan unit kerja terkait, memprakarsai pertemuan untuk work units, initiating meetings to discuss new provisions or
membahas ketentuan-ketentuan baru atau adanya perubahan any fundamental changes to the previous provisions when
yang mendasar dari ketentuan sebelumnya ketika terdapat there are changes or issuance of new regulations/provisions
perubahan atau penerbitan baru atas peraturan/ketentuan from the regulator;
dari regulator;
6. Penyampaian memo, SPO, kebijakan, informasi, dan lain-lain 6. Submission of memos, PPOs, policies, information, and others
kepada karyawan disajikan juga dalam intranet Bank; to employees is also presented on the Bank’s intranet;
7. Menindaklanjuti temuan pemeriksaan Otoritas Jasa 7. Properly following up on the findings of the Financial Services
Keuangan dengan baik yang dibahas dalam rapat tersendiri. Authority’s inspection which were discussed in a separate
Dalam pertemuan tersebut, ditentukan juga unit kerja atau meeting. During the meeting, the work unit or personal in
personal in charge (PIC) yang akan menindaklanjutinya dan charge (PIC) which will follow up and submit the progress to
menyampaikan perkembangannya kepada Satuan Kerja the Compliance Unit;
Kepatuhan;
8. Bukti penerimaan laporan yang telah disampaikan kepada 8. Proof of receipt of reports that have been submitted to
regulator, diadministrasikan secara baik oleh Satuan Kerja regulators, properly administered by the Compliance Unit;
Kepatuhan; serta and
9. Dalam setiap kesempatan yang memungkinkan, misalnya 9. In every possible opportunity, for example in issuing a
dalam penerbitan memorandum, Satuan Kerja Kepatuhan memorandum, the Compliance Unit always reminds us about
senantiasa mengingatkan tentang Visi dan Misi Kepatuhan, the Vision and Mission of Compliance, which is a shared
yang merupakan tanggung jawab bersama untuk responsibility to make it happen.
mewujudkannya.
Perkara Penting
Significant Cases
Informasi terkait perkara penting yang dihadapi oleh Bank Ina Information related to important cases faced by Bank Ina
sepanjang tahun 2023, diuraikan sebagai berikut. throughout 2023 is described as follows.
Total Kasus
Permasalahan Hukum Total Cases
Legal Cases
Perdata Pidana
Civil Criminal
Telah mendapat putusan yang mempunyai kekuatan hukum tetap
- -
Has received a decision that has permanent legal force
Dalam proses penyelesaian
1 1
In settlement process
Total 1 1
PT Bank Ina Perdana Tbk
308 Laporan Tahunan 2023
Page 311
Status Pengaruh terhadap Sanksi Administrasi
Pokok Perkara Penyelesaian Kondisi Bank Risiko yang Dihadapi yang Diterima
Case Profile Settlement Impact on Bank Risks Faced Administrative
Status Conditions Sanctions Received
Kasus Perdata
Civil Case
Gugatan Wanprestasi Proses persidangan - Penjamin perorangan tidak -
Default Lawsuit Court process bertanggung jawab
Individual guarantors are not
responsible
Kasus Pidana
Criminal case
Penipuan dan Penggelapan oleh Debitur Penyidikan - Perlawanan hukum dari debitur -
Fraud and Embezzlement by Debtors Investigation Legal resistance from the debtor
Perkara Penting yang Dihadapi Significant Cases Faced by the Board of
Dewan Komisaris dan Direksi Tahun 2023 Commissioners and Board of Directors in
2023
Sepanjang tahun 2023, tidak terdapat perkara penting yang Throughout 2023, there were no significant cases faced by the
sedang dihadapi oleh Dewan Komisaris dan Direksi yang sedang incumbent Board of Commissioners and Board of Directors of
menjabat pada Bank Ina. Bank Ina.
Sanksi Administratif
Administrative Sanctions
Informasi terkait sanksi administratif yang diterima oleh Bank Ina Information related to administrative sanctions received by
selama tahun 2023, sebagai berikut. Bank Ina during 2023, is as follows.
Sanksi yang Diterima
Jenis Pelanggaran
Sanctions Received
Type of Violation
(Rp)
Bayar Denda Lembaga Penjamin Simpanan terkait Single Customer View (SCV)
1.000.000
Pay Deposit Insurance Agency Fines related to Single Customer View (SCV)
Laporan Hasil Pemeriksaan Umum (LHP) Posisi 31 Januari 2023 Kesalahan pelaporan
Sistem Layanan Informasi Keuangan (SLIK)
50.100.000
General Audit Result Report (LHP), Position of January 31, 2023, Financial
Information Services System (SLIK) reporting errors
Selain sanksi administratif yang diterima oleh Bank, sepanjang In addition to administrative sanctions received by the Bank,
tahun 2023 tidak terdapat sanksi administratif yang diterima oleh throughout 2023 there were no administrative sanctions received
Dewan Komisaris dan Direksi yang sedang menjabat di Bank Ina. by the current members of the Board of Commissioners and Board
of Directors.
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2023 Annual Report 309
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Tata Kelola Perusahaan
Corporate Governance
Akses Informasi dan Data
Access to Information and Data
Bank menyediakan akses informasi dan data yang mudah The Bank provides access to information and data that is easily
didapatkan oleh pemangku kepentingan, melalui: obtained by stakeholders, through:
1. Sekretaris Perusahaan: 1. Corporate Secretary:
Feliks Suranta Tarigan Feliks Suranta Tarigan
Gedung Ariobimo Sentral Gedung Ariobimo Sentral
Mezzanine Floor Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5 Jl. HR Rasuna Said Blok X-2 Kav. 5
Jakarta Selatan 12950 Jakarta Selatan 12950
T : +62 21 252 5678 T : +62 21 252 5678
F : +62 21 252 5025 F : +62 21 252 5025
C : 1500738 C : 1500738
E : corp_sec@bankina.co.id E : corp_sec@bankina.co.id
2. Media elektronik: 2. Media Elektronik
a. Situs web Bank : www.bankina.co.id a. Bank Website : www.bankina.co.id
b. Situs web pasar modal : www.idx.co.id b. Capital Market Website : www.idx.co.id
c. Situs web kustodian : www.ksei.co.id c. Custodian Website : www.ksei.co.id
d. Situs web Otoritas Jasa Keuangan : www.ojk.go.id d. Financial Services Authority Website : www.ojk.go.id
3. Media sosial: 3. Social Media
a. Facebook : Bank Ina a. Facebook : Bank Ina
b. Instagram : bankinaperdana b. Instagram : bankinaperdana
Media Cetak Print Media
Bank Ina menggunakan media cetak sebagai sarana untuk Bank Ina uses print media as a means to disseminate information
menyebarkan informasi secara menyeluruh dan memenuhi thoroughly and meet regulatory requirements. The Bank also
ketentuan regulator. Bank juga menyampaikan informasi terkait provides product-related information in the form of leaflets or
produk dalam bentuk leaflet atau brosur yang dapat diperoleh di brochures that can be obtained at each branch office.
setiap kantor cabang.
Siaran Pers Press Releases
Bank secara berkala menyampaikan informasi melalui siaran The Bank periodically submits information through press releases
pers untuk menginformasikan kinerja Bank Ina ataupun aktivitas to inform Bank Ina’s performance or other corporate activities.
korporasi lainnya. Informasi terkait siaran pers yang telah Information related to press releases submitted in 2023 is as
disampaikan selama tahun 2023, diuraikan sebagai berikut. follows.
Tanggal Informasi
Media
Date Information
24 Januari 2023 Detik Finance PPKM Dicabut, Perbankan Pede Ritel Bisa Genjot Kredit
January 24, 2023 PPKM Revoked, Banks are Confident that Retail Can Boost Credit
24 Januari 2023 Warta Ekonomi Industri Retail Pulih, Bank Ina Optimis Kredit Konsumer Tumbuh 120% di 2023
January 24, 2023 Retail Industry Recovers, Bank Ina is Optimistic that Consumer Loans Grow 120% in 2023
24 Januari 2023 Infobank News Industri Retail Mulai Pulih, Bank INA Incar Kredit Konsumer Tumbuh 120%
January 24, 2023 Retail Industry Starts to Recover, Bank INA Expects Consumer Credit to Grow 120%
24 Januari 2023 Pasar Dana BINA Genjot Pertumbuhan Kredit Konsumer Loan Hingga 120%
January 24, 2023 BINA Boosts Consumer Loans Growth up to 120 %
24 Januari 2023 IDX Channel Bank Ina (BINA) Optimistis Kredit Konsumer Tumbuh 120%
January 24, 2023 Bank Ina (BINA) is Optimistic that Consumer Loans Grow 120 %
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Tanggal Informasi
Media
Date Information
24 Januari 2023 Kontan Bank Ina Optimistis Penyaluran Kredit Konsumer Loan Tahun ini Bakal Melesat
January 24, 2023 Bank Ina is Optimistic that Consumer Loans Disbursement This Year Will Accelerate
24 Januari 2023 Berita Satu Bank Ina Perdana Optimistis Kredit Tumbuh 120 Persen
January 24, 2023 Bank INA Perdana is Optimistic that Loans Grow 120 Percent
25 Januari 2023 Investor Daily Penyaluran Kredit Konsumer Bank INA tahun 2023 bakal melesat
January 25, 2023 Bank INA’s Consumer Loans Distribution in 2023 Will Accelerate
8 Februari 2023 Warta Ekonomi Dorong Transformasi Digital Bank INA Optimalkan Layanan Banking INA Mobile
February 8, 2023 Encouraging Digital Transformation, Bank INA Optimizes INA Mobile Banking Services
8 Februari 2023 Infobank News Ikut Trend Digital Bank INA Gencarkan Mobile Banking
February 8, 2023 Follow the Digital Trend, Bank INA Intensifies Mobile Banking
8 Februari 2023 Pasar Dana Bank INA Bidik Transaksi INA Mobile Tembus 2 Triliun Tahun 2023
February 8, 2023 Bank INA Aims for INA Mobile Transactions to Reach 2 Trillion in 2023
8 Februari 2023 IDX Channel Dorong Transformasi Digital Bank INA Optimalkan Layanan Banking INA Mobile
February 8, 2023 Encouraging Digital Transformation, Bank INA Optimizes INA Mobile Banking Services
9 Februari 2023 Kontan Dorong Transformasi Digital Bank INA Optimalkan Layanan Banking INA Mobile
February 9, 2023 Encouraging Digital Transformation, Bank INA Optimizes INA Mobile Banking Services
9 Februari 2023 Investor Daily Bank INA Optimalkan Layanan Digital
February 9, 2023 Bank INA Optimizes Digital Services
9 Februari 2023 Berita Satu Bank INA Bidik Transaksi INA Mobile tembus 2 Triliun Rupiah
February 9, 2023 Bank INA Aims for INA Mobile Transactions to Reach 2 Trillion Rupiah
10 Februari 2023 Suara.com Remiten Bidik Transaksi Mobile 2 Triliun Tahun 2023
February 10, 2023 Remiten Aims for 2 Trillion Mobile Transactions in 2023
2 Mei 2023 Infobank News Jadi Bank Devisa Bank INA Incar Transaksi Valas 500 juta Dollar
May 2, 2023 Becoming Foreign Exchange Bank, Bank INA Aims for Foreign Exchange Transactions of 500 million
Dollars
2 Mei 2023 Warta Ekonomi Bank INA Optimis Sepanjang 2023 Transaksi Valas Akan 500 Juta Dollar
May 2, 2023 Bank INA is Optimistic Throughout 2023 Foreign Exchange Transactions Will Reach 500 million Dollars
2 Mei 2023 Pasar Dana Bank INA Gandeng Securitas Kejar Nilai Transaksi Valas 500 juta Dollar
May 2, 2023 Bank INA Collaborates with Securities to Pursue Foreign Exchange Transaction of 500 million Dollars
2 Mei 2023 Suara.com Jadi Bank Devisa Bank INA Bidik Transaksi Valas 500 juta Dollar
May 2, 2023 Becoming Foreign Exchange Bank, Bank INA Aims for Foreign Exchange Transactions of 500 million
Dollars
2 Mei 2023 Kontan Bank INA Bidik Transaksi Valas 500 Juta Dollar Tahun 2023
May 2, 2023 Bank INA Aims for Foreign Exchange Transactions of 500 million Dollars in 2023
2 Mei 2023 IDX Channel Jadi Bank Devisa Bank INA Bidik Transaksi Valas 500 juta Dollar
May 2, 2023 Becoming Foreign Exchange Bank, Bank INA Aims for Foreign Exchange Transactions of 500 million
Dollars
3 Mei 2023 Berita Satu Bank INA Bidik Transaksi Valas 500 Juta Dollar Tahun 2023
May 3, 2023 Bank INA Aims for Foreign Exchange Transactions of 500 million Dollars in 2023
4 Mei 2023 Investor Bank INA Bidik Transaksi Valas 500 Juta Dollar Tahun 2023
May 4, 2023 Bank INA Aims for Foreign Exchange Transactions of 500 million Dollars in 2023
8 Juni 2023 Pasar Dana 32 Tahun Eksis Bank INA Gelorakan Semangat Transformasi dan Digitalisasi
June 8, 2023 32 Years of Existence, Bank INA Encourages the Spirit of Transformation and Digitalization
8 Juni 2023 IDX Channel HUT ke 32, Bank INA terus bertransformasi Digital
June 8, 2023 32nd Anniversary, Bank INA continues to digitally transform
8 Juni 2023 Infobank News Masuki Usia 32 Bank INA Terus Bertransformasi
June 8, 2023 Entering the Age of 32, Bank INA Continues to Transform
8 Juni 2023 Kontan HUT ke 32, Bank INA Dorong bertransformasi Digital
June 8, 2023 32nd Anniversary, Bank INA Encourages Digital Transformation
9 Juni 2023 Warta Ekonomi HUT ke 32, Bank INA Gaungkan Semangat Transformasi
June 9, 2023 32nd Anniversary, Bank INA Echoes the Spirit of Transformation
9 Juni 2023 Properti Indonesia Kolaborasi dengan Agung Sedayu Group, Bank Ina Perdana Fasilitasi KPR di PIK 2
June 9, 2023 Collaboration with Agung Sedayu Group, Bank Ina Perdana Facilitates Mortgage in PIK 2
9 Juni 2023 Bisnis Bank Ina Gandeng Agung Sedayu Untuk Hunian PIK 2
June 9, 2023 Bank Ina Collaborates with Agung Sedayu for PIK 2 Residence
12 Juni 2023 Detik Finance Bank Permudah Nasabah Transaksi di Era Digital , Bagaimana caranya?
June 12, 2023 Banks Make it Easy for Customers to Make Transaction in the Digital Age, How?
12 Juni 2023 Investor HUT ke 32, Bank INA Gelorakan Semangat Transformasi
June 12, 2023 32nd Anniversary, Bank INA Encourages the Spirit of Transformation
13 Juni 2023 Kompas.com Bank INA Cetak Laba Bersih Rp58,83 Miliar di Kuartal I-2023
June 13, 2023 Bank INA Records Net Profit of Rp58.83 Billion in the First Quarter of 2023
14 Juni 2023 Investor Perluas KPR, Bank Ina Gandeng Agung Sedayu Untuk Hunian PIK 2
June 14, 2023 Expanding KPR, Bank Ina Collaborates with Agung Sedayu for PIK 2 Residential
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Tata Kelola Perusahaan
Corporate Governance
Tanggal Informasi
Media
Date Information
9 Agustus 2023 Bisnis.com Bank INA Digital Bakal Agresif di Segmen UMKM
August 9, 2023 Bank INA Digital Will Be Aggressive in MSME Segment
9 Agustus 2023 Antara News Bank INA Bidik 50 ribu UMKM Gunakan Layanan BINA di Akhir 2024
August 9, 2023 Bank INA Aims for 50 thousand MSMEs to Use BINA Services by the End of 2024
9 Agustus 2023 Kompas Bantu Tingkatkan Digitalisasi UMKM, Bank Meluncurkan Bank Digital
August 9, 2023 The Bank Launches Digital Bank to Help Increase MSME Digitalization
9 Agustus 2023 Infobank News Bank INA Bidik 50 ribu UMKM Akses Layanan BINA di Akhir 2024
August 9, 2023 Bank INA Aims for 50 thousand MSMEs to Access BINA Services by the End of 2024
9 Agustus 2023 Warta Ekonomi Akselerasi Digitalisasi UMKM, Bank INA Luncurkan INA Digital
August 9, 2023 Accelerating MSME Digitalization, Bank INA Launches INA Digital
9 Agustus 2023 Suara Salim Group Rambah Bisnis Digital, Sasar UMKM
August 9, 2023 Salim Group Ventures into Digital Business, Targeting MSMEs
9 Agustus 2023 Tribun News Bank INA Digital untuk Akselerasi UMKM
August 9, 2023 Bank INA Digital to Accelerate MSMEs
9 Agustus 2023 CNBC Indonesia Salim Bikin Bank Digital untuk UMKM, Incar Toko Kelontong dan Warmindo
August 9, 2023 Salim Makes Digital Bank for MSMEs, Targeting Grocery Stores and Warmindo
9 Agustus 2023 Marketeers Bidik Transaksi UMKM Indonesia, Bank INA Rilis Perbankan Digital
August 9, 2023 Targeting Indonesian MSME Transactions, Bank INA Releases Digital Banking
9 Agustus 2023 Medcom Bank INA Bantu Akselerasi Digital UMKM
August 9, 2023 Bank INA Helps Digital Acceleration of MSMEs
9 Agustus 2023 Republika Bank INA Digital Resmi Luncurkan Untuk Akselerasi Digitalisasi UMKM
August 9, 2023 Bank INA Digital Officially Launches to Accelerate MSME Digitalization
10 Agustus 2023 Berita Satu Bank Digital Salim Group Bidik Digitalisasi UMKM, Targetnya Warmindo dan Toko Kue
August 10, 2023 Salim Group’s Digital Bank Aims to Digitize MSMEs, Targeting Warmindo and Cake Shops
10 Agustus 2023 Jawa Pos Layanan Digital Banking Pemberdayaan dan Akselerasi Bisnis UMKM
August 10, 2023 Digital Banking Services to Empower and Accelerate MSME Businesses
10 Agustus 2023 Kontan Bank INA Rilis Aplikasi Digital, Grup Salim Dukung Dari Hulu Ke Hilir
August 10, 2023 Bank INA Releases Digital Application, Salim Group Supports Upstream to Downstream
5 September 2023 Bisnis Bank INA Jaga Loyalitas Nasabah dengan Memberi Layanan Istimewa
September 5, 2023 Bank INA Keeps Customer Loyalty by Providing Special Services
4 September 2023 Infobank News Genjot Pelayanan Nasabah, Kredit Bank Ina Melonjak 25,8 Persen
September 4, 2023 Boosting Customer Service, Bank Ina’s Loans Surge by 25.8 Percent
4 September 2023 Warta Ekonomi Bank Ina Kerahkan Para Petinggi Buat Kenalkan Aplikasi Ina Mobile
September 4, 2023 Bank Ina Mobilizes Top Officials to Introduce Ina Mobile Application
5 September 2023 IDX Channel Hari Pelanggan Nasional, Bank Ina Andalkan Mobile Banking Permudah Transaksi
September 5, 2023 National Customer Day, Bank Ina Relies on Mobile Banking to Make Transactions Easier
5 September 2023 Kontan Peringati Harpelnas 2023, Bank INA Andalkan Layanan INA Mobile
September 5, 2023 Commemorating Harpelnas 2023, Bank INA Relies on INA Mobile Services
5 September 2023 IQ Plus Bank Ina Andalkan Layanan Ina Mobile untuk Permudah Nasabah Bertransaksi
September 5, 2023 Bank Ina Relies on Ina Mobile Services to Make Transactions Easier for Customers
6 September 2023 Republika Genjot Pelayanan Nasabah, Kredit Bank Ina Melonjak 25,8 Persen
September 6, 2023 Boosting Customer Service, Bank Ina’s Loans Surge by 25.8 Percent
6 September 2023 Liputan 6 Bank INA Genjot Layanan Perbankan
September 6, 2023 Bank INA Boosts Banking Services
13 September 2023 Bisnis Indonesia Bank INA Bakal Agresif Gaet Nasabah Berdana Jumbo
September 13, 2023 Bank INA Will Aggressively Attract Jumbo Fund Customers
13 September 2023 Infobank News Bank INA Tingkatkan Brand Awareness ke Nasabah dengan Customer Gathering
September 13, 2023 Bank INA Increases Brand Awareness to Customers with Customer Gathering
14 September 2023 Kontan Bank INA Gaet Nasabah Affluent dengan Customer Gathering
September 14, 2023 Bank INA Attracts Affluent Customers with Customer Gathering
14 September 2023 IDX Channel Bank INA Gaet Nasabah Affluent dengan Customer Gathering
September 14, 2023 Bank INA Attracts Affluent Customers with Customer Gathering
14 September 2023 Warta Ekonomi Bank Ina Bakal Terus Berinovasi Lahirkan Produk dan Layanan Berbasis Digital
September 14, 2023 Bank INA will Continue to Innovate to Create Digital-Based Products and Services
11 November 2023 Kontan Bank INA Sediakan Karpet Merah untuk Nasabah Utama. Apa Kelebihannya?
November 11, 2023 Bank INA Provides a Red Carpet for Major Customers. What are the Advantages?
11 November 2023 IDX Channel Bank INA Tingkatkan Kualitas Layanan Perbankan bagi Nasabah Utama
November 11, 2023 Bank INA Improves the Quality of Banking Services for Major Customers
11 November 2023 Warta Ekonomi Tingkatkan kualitas Layanan, Perbankan, Bank INA Gelar Karpet Merah Buat Nasabah Utama
November 11, 2023 Improving Banking Service Quality, Bank INA Holds Red Carpet for Major Customers
11 November 2023 Emiten News Bank INA Sediakan Karpet Merah untuk Nasabah Utama, Ini Layanan Istimewanya
November 11, 2023 Bank INA Provides a Red Carpet for Major Customers, This is the Special Service
13 November 2023 Kompas Bank INA Optimalkan Infrastruktur untuk Layani Nasabah Utama
November 13, 2023 Bank INA Optimizes Infrastructure to Serve Major Customers
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Tanggal Informasi
Media
Date Information
13 November 2023 Infobank News Bank INA Sediakan Karpet Merah Untuk Nasabah Utama, Ini Istimewanya
November 13, 2023 Bank INA Provides Red Carpet for Majos Customers, This is the Special Service
15 November 2023 Republika Bank INA Bidik Generasi Millennial Jadi Nasabah Prioritas
November 15, 2023 Bank INA Aims for the Millennial Generation to Become Priority Customers
11 Desember 2023 Kontan Bank INA Gandeng Sinar Mas Land Beri Fasilitas untuk Penyaluran KPR kepada Konsumen BSD City
December 11, 2023 Bank INA Collaborates with Sinar Mas Land to Provide Facilities for Mortgage Distribution to BSD City
Consumers
11 Desember 2023 Warta Ekonomi Bank INA kolaborasi dengan Sinar Mas Land Menghadirkan Fasilitas KPR kepada Konsumen BSD City
December 11, 2023 Bank INA Collaborates with Sinar Mas Land to Provide Facilities for Mortgage Distribution to BSD City
Consumers
11 Desember 2023 Infobank News Gandeng Sinar Mas Land, Bank INA Perluas Penyaluran KPR
December 11, 2023 Partnering with Sinar Mas Land, Bank INA Expands Mortgage Distribution
11 Desember 2023 Republika Bank INA Gandeng Sinar Mas Land Percepat Penyaluran KPR
December 11, 2023 Bank INA Collaborates with Sinar Mas Land to Accelerate Mortgage Distribution
11 Desember 2023 IDX Channel Bank INA dan Sinar Mas Land Kerja Sama Pemberian Fasilitas KPR
December 11, 2023 Bank INA and Sinar Mas Land Cooperate in Providing Mortgage Facilities
12 Desember 2023 Kompas Bank INA Sediakan KPR untuk Konsumen BSD
December 11, 2023 Bank INA Provides Mortgage for BSD Consumers
Kode Etik
Code of Conducts
Kode Etik diberlakukan di dalam lingkungan kerja Bank Ina sebagai The Code of Conducts enforced in Bank Ina’s work environment
pedoman bagi seluruh karyawan dalam melaksanakan tugas dan as a guideline for all employees in carrying out their duties and
tanggung jawab, membangun hubungan kerja yang profesional, responsibilities, building professional working relationships, and
serta menjaga lingkungan kerja tetap kondusif. Penerapan Kode maintaining a conducive work environment. The implementation
Etik Bank merujuk pada Pedoman Kode Etik yang telah ditetapkan of the Bank’s Code of Conduct refers to the Code of Conduct
pada tanggal 29 Maret 2019. Guidelines established on March 29, 2019.
Isi Kode Etik Contents of Code of Conduct
Pedoman Kode Etik Bank membahas mengenai: The Bank’s Code of Conduct discusses:
1. Prinsip Dasar Sikap dan Perilaku; 1. Basic Principles of Attitude and Behavior;
2. Tanggung Jawab Karyawan terhadap Perusahaan/Nasabah/ 2. Employee Responsibilities to Companies/ Customers/ Partners;
Rekanan;
3. Penggunaan dan Perlindungan terhadap Peralatan dan 3. Use and Protection of Company Equipment and Facilities;
Fasilitas Perusahaan;
4. Hak terhadap Intellectual Property dan Penggunaan Nama 4. Rights Against Intellectual Property and Use of Company
dan Logo Perusahaan Aktivitas Politik; Names and Logos of Political Activity;
5. Penerimaan dan Pemberian Hadiah; 5. Acceptance and Giving of Gifts;
6. Program Anti Pencucian Uang dan Pencegahan Pendanaan 6. Anti-Money Laundering and Combating the Financing of
Terorisme; Terrorism Program;
7. Insider Trading; 7. Insider Trading;
8. Pelecehan Seksual; 8. Sexual harassment;
9. Transaksi dengan Perusahaan Afiliasi; serta 9. Transactions with Affiliated Companies; and
10. Lain-lain. 10. Others.
PT Bank Ina Perdana Tbk
2023 Annual Report 313
Page 316
Tata Kelola Perusahaan
Corporate Governance
Penerapan Kode Etik pada Setiap Jenjang Applying Code of Conduct at Every Level
Organisasi of the Organization
Bank Ina memberlakukan Kode Etik secara menyeluruh pada Bank Ina applies the Code of Conduct thoroughly at every level
setiap jenjang organisasi, termasuk Dewan Komisaris, Direksi, of the organization, including the Board of Commissioners, Board
Pejabat Eksekutif, dan karyawan. Hal tersebut dibuktikan dengan of Directors, Executive Officers, and employees. This is evidenced
penandatanganan “Janji Karyawan, Deklarasi Pernyataan Anti- by the signing of the “Employee Pledge, Anti-Fraud Statement
Fraud, Surat Pernyataan Penghindaran Benturan Kepentingan, Declaration, Conflict of Interest Avoidance Statement, Employee
Kode Etik Perilaku Karyawan, dan Deklarasi Pakta Integritas”. Code of Conduct, and Integrity Pact Declaration”.
Penyebarluasan dan Sosialisasi Dissemination and Socialization
Satuan Kerja Kepatuhan secara berkala menyebarluaskan dan The Compliance Unit regularly disseminates and socializes the
melakukan sosialisasi Kode Etik kepada insan Bank. Proses Code of Conduct to the Bank’s personnel. The dissemination and
penyebarluasan dan sosialisasi tersebut dilakukan secara langsung socialization process is carried out directly or through internal
ataupun melalui media komunikasi internal, seperti intranet Bank, communication media, such as the Bank’s intranet, WhatsApp
Grup WhatsApp, media sosial, serta kegiatan internal di masing- Group, social media, and internal activities in each work unit/
masing unit/divisi kerja. division.
Sanksi Pelanggaran Kode Etik Sanctions for Violation of the Code of
Conduct
Sebagai upaya penegakan Kode Etik, Bank menindak tegas As an effort to enforce the Code of Conduct, the Bank takes firm
pelanggaran Kode Etik yang terjadi di lingkungan kerja dengan action against violations of the Code of Conduct that occur in the
menindaklanjuti dan memproses setiap pelanggaran yang terjadi. work environment by following up and processing any violations
Selain itu, Bank menerapkan sanksi terhadap pelaku pelanggaran that occur. In addition, the Bank applies sanctions to violators in
sesuai dengan jenis pelanggaran yang dilakukan. Adapun jenis accordance with the type of violation committed. The types of
sanksi yang diterapkan oleh Bank Ina dijelaskan sebagai berikut. sanctions applied by Bank Ina are explained as follows.
Kategori Pelanggaran Sanksi Jangka Waktu Implikasi
Violation Category Sanction Time Period Implications
Pelanggaran Tingkat I (Ringan) Surat Teguran (SP 1) 6 bulan Pengurangan nilai kinerja.
Grade I (Minor) Violation Reprimand Letter (SP 1) 6 months Reduction in performance scores.
Pelanggaran Tingkat II (Sedang) Surat Peringatan (SP 2) 6 bulan • Pengurangan nilai kinerja; serta
Grade II (Moderate) Violation Warning Letter (SP 2) 6 months • Penundaan fasilitas pinjaman karyawan.
• Reduction in performance scores; and
• Postponement of employee loan facilities.
Pelanggaran Tingkat III (Berat) Surat Peringatan (SP 3) 6 bulan • Pengurangan nilai kinerja;
Grade III (Severe) Violation Warning Letter (SP 3) 6 months • Penundaan kenaikan gaji; serta
• Penundaan promosi (jabatan dan grade).
• Reduction in performance scores;
• Postponement of salary increases; and
• Postponement of promotion (position and
grade).
Pelanggaran Tingkat IV - Penyimpangan Pemutusan Hubungan Kerja (PHK) - Dapat diproses secara hukum.
(Fraud) dan Pelanggaran Berat Termination of Employment (PHK) Can be processed legally.
Grade IV Violation – Deviance (Fraud)
and Serious Violations
Jumlah Pelanggaran Number of Violations
Pada tahun 2023, Bank tidak menerima pengaduan mengenai In 2023, the Bank did not receive any complaints regarding
pelanggaran Kode Etik yang dilakukan oleh insan Bank. violations of the Code of Conduct committed by Bank personnel.
PT Bank Ina Perdana Tbk
314 Laporan Tahunan 2023
Page 317
Program Anti Pencucian Uang, Pencegahan
Pendanaan Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata Pemusnah
Massal
Anti-Money Laundering, Counter-Terrorist Financing, and
Counter-Proliferation Financing of Weapons of Mass Destruction
Satuan Kerja Kepatuhan bertanggung jawab dalam penerapan The Compliance Unit is responsible for the implementation of
Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, Anti-Money Laundering, Counter-Terrorist Financing, and
dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Counter-Proliferation Financing of Weapons of Mass Destruction
Massal (APU-PPT, dan PPPSPM). Program tersebut diterapkan (AML-CFT and CPF) Program. The program is implemented
secara menyeluruh pada internal Bank untuk menghindari dan thoroughly within the Bank to avoid and reduce legal risks
mengurangi risiko hukum terkait tindakan pencucian uang, related to money laundering, terrorism financing, or financing
pendanaan terorisme, ataupun pendanaan proliferasi senjata of proliferation of weapons of mass destruction. In order to
pemusnah massal. Guna memaksimalkan Program APU-PPT, maximize the AML-CFT, and CPF Program and increase employees’
dan PPPSPM serta meningkatkan pemahaman dan kesadaran understanding and awareness, the Bank continuously conducts
karyawan, Bank secara berkelanjutan melaksanakan pelatihan training and dissemination on AML-CFT, and CPF Program, both
dan sosialisasi mengenai Program APU-PPT, dan PPPSPM, baik to new and existing employees.
kepada karyawan baru maupun karyawan lama.
Pada tahun 2023, kegiatan untuk meningkatkan penerapan In 2023, activities to improve the implementation of AML-CFT,
Program APU-PPT, dan PPPSPM di Bank meliputi: and CPF Programs in the Bank included:
1. Penginian data dan profil nasabah; 1. Updating customer data and profiles;
2. Pemantauan transaksi nasabah; 2. Monitoring customer transactions;
3. Pelaporan Laporan Transaksi Keuangan Tunai (LTKT), Laporan 3. Reporting of Cash Financial Transaction Reports (LTKT),
Transaksi Keuangan dari dan ke Luar Negeri (LTKLN), dan Financial Transaction Reports from and to Overseas (LTKLN),
Laporan Transaksi Keuangan Mencurigakan (LTKM) melalui and Suspicious Financial Transaction Reports (LTKM) through
go-AML; go-AML;
4. Pelatihan karyawan terkait Penerapan Program APU- PPT, dan 4. Employee training related to AML-CFT, and CPF Program
PPPSPM; Implementation;
5. Penyusunan Kebijakan Manajemen APU-PPT, dan PPPSPM 5. Formulation of AML-CFT and CPF Management Policy
perihal Prosedur Customer Due Diligence (CDD) dan Enchahed regarding Customer Due Diligence (CDD) and Enchahed Due
Due Diligence (EDD) pada layanan Perbankan Digital. Diligence (EDD) procedures in Digital Banking services.
6. Review Parameter Unusual Transaction (UTR) Aplikasi 6. Review Parameter of Unusual Transaction (UTR) of APU-Jiarsi
APUJiarsi. application.
PT Bank Ina Perdana Tbk
2023 Annual Report 315
Page 318
Tata Kelola Perusahaan
Corporate Governance
Strategi Anti-Fraud
Anti-Fraud Strategy
Bank Ina mengelola strategi anti-fraud berpedoman pada Bank Ina manages anti-fraud strategy based on the Financial
Peraturan Otoritas Jasa Keuangan No. 39/POJK.03/2019 tanggal Services Authority Regulation No. 39/POJK.03/2019 dated
19 Desember 2019 tentang Penerapan Strategi Anti-Fraud. December 19, 2019 on the Implementation of Anti-Fraud Strategy.
Selain itu, Bank terus-menerus melakukan pengawasan terhadap In addition, the Bank continuously monitors the potential for fraud,
potensi fraud, kolusi, dan penyalahgunaan wewenang yang collusion, and abuse of authority committed by Management or
dilakukan oleh Manajemen ataupun karyawan dengan melakukan employees by periodically checking debtor information (iDeb). The
pemeriksaan informasi debitur (iDeb) secara periodik. Pemeriksaan examination is an implementation of know your employee and
tersebut sebagai penerapan dari know your employee dan Anti-Fraud Strategy, as stated in the Anti-Fraud Strategy Policy
Strategi Anti-Fraud, sebagaimana tercantum dalam Kebijakan dan and Procedure No. KEB/RMG/13/03/0923 dated October 6, 2023
Prosedur Strategi Anti-Fraud No. KEB/RMG/13/03/0923 tanggal which is an improvement of the Anti-Fraud Strategy Policy and
6 Oktober 2023 yang merupakan penyempurnaan dari Kebijakan Procedure No. RMG/13/02/0621 dated July 1, 2021.
dan Prosedur Strategi Anti-Fraud No. RMG/13/02/0621 tanggal
tanggal 1 Juli 2021.
Pemeriksaan informasi debitur juga bertujuan untuk mencegah Checking debtor information also aims to prevent the possibility
terjadinya kemungkinan kredit macet yang dialami pengurus dan of bad debts experienced by the Bank’s management and
karyawan Bank, serta sebagai upaya untuk menghindari salah employees, as well as an effort to avoid one of the elements that
satu unsur penyebab terjadinya fraud, yaitu tekanan yang dialami cause fraud, namely the pressure experienced by employees.
oleh karyawan. Bank Ina juga menerapkan kebijakan mengenal Bank Ina also implements an employee recognition policy which
karyawan yang merupakan upaya pengendalian dari aspek is a control effort from the aspect of human resources (HR)
sumber daya manusia (SDM) yang dituangkan dalam Kebijakan as outlined in the Anti-Fraud Strategy Policy and Procedures
dan Prosedur Strategi Anti-Fraud No. KEB/RMG/13/03/0923 No. KEB/RMG/13/03/0923 dated October 6, 2023 and Workforce
tanggal tanggal 6 Oktober 2023 dan Kebijakan Perencanaan Planning Policy, Recruitment Procedures, and Employee
Tenaga Kerja, Prosedur Rekrutmen, dan Penerimaan Karyawan Acceptance No. HR/003/0519 in May 2019.
No. SDM/003/0519 bulan Mei 2019.
Informasi terkait internal fraud Bank untuk tahun buku 2023 Information related to the Bank’s internal fraud for the financial
diungkapkan pada tabel berikut. year 2023 is disclosed in the following table.
Jumlah Kasus yang Dilakukan oleh
Number of Cases Committed by
Uraian
Pengurus Pegawai Tetap Pegawai Tidak Tetap
Description
Manager Permanent Officer Non-Permanent Officer
2023 2022 2023 2022 2023 2022
Total Fraud Nihil Nihil Nihil Nihil
2 2
Total Fraud None None None None
Telah Diselesaikan Nihil Nihil Nihil Nihil
1 2
Already settled None None None None
Dalam Proses Penyelesaian Internal Bank Nihil Nihil Nihil Nihil Nihil Nihil
In the Bank's Internal Settlement Process None None None None None None
Belum Diupayakan Penyelesaian Nihil Nihil Nihil Nihil Nihil Nihil
Not Resolved Yet None None None None None None
Telah Ditindaklanjuti melalui Proses Hukum Nihil Nihil Nihil Nihil Nihil
1
Has Been Followed Up Through Legal Process None None None None None
PT Bank Ina Perdana Tbk
316 Laporan Tahunan 2023
Page 319
Sistem Pelaporan Pelanggaran
Whistleblowing System
Bank menerapkan sistem pelaporan pelanggaran (whistleblowing The Bank implements a whistleblowing system (WBS) as an
system/WBS) sebagai upaya mengurangi terjadinya pelanggaran effort to reduce the occurrence of violations committed by Bank
yang dilakukan oleh insan Bank. Selain itu, penerapan WBS personnel. In addition, the implementation of WBS is carried
dilakukan untuk meningkatkan partisipasi karyawan Bank dalam out to increase the participation of Bank employees in reporting
melaporkan tindakan pelanggaran yang terjadi, sehingga Bank violations that occur, so that the Bank can minimize the risks faced
dapat meminimalisir risiko yang dihadapi serta mendukung and support the maintenance of the Bank’s value and reputation.
terjaganya nilai dan reputasi Bank. Penerapan WBS Bank Ina Bank Ina’s WBS implementation refers to the Whistleblower
merujuk pada Sistem Pelaporan Pelanggaran No. SK/DIR/005/2021 Reporting System No. SK/DIR/005/2021 on the Whistleblower
tentang Tim Penanganan Whistleblower. Handling Team.
Pihak yang Mengelola Sistem Pelaporan The Party Who Manages the
Pelanggaran Whistleblowing System
Bank menunjuk Fungsi Whistleblowing untuk mengelola sistem The Bank appoints a Whistleblowing Function to manage the
WBS. Fungsi Whistleblowing merupakan bagian dari SKAI yang WBS system. The Whistleblowing Function is part of SKAI that
bertindak secara independen terhadap aktivitas operasional Bank, acts independently of the Bank’s operational activities, and has
serta mempunyai wewenang untuk berkomunikasi dan memiliki the authority to communicate and have access to all units/divisions
akses ke seluruh unit/divisi kerja Bank. of the Bank.
Cara Penyampaian Laporan Pelanggaran How to Submit a Violation Report
Bank menyediakan sarana untuk menyampaikan laporan The Bank provides a means to submit reports of violations, through
pelanggaran, melalui e-mail, yaitu antifraud_skai@bankina.co.id e-mail, namely antifraud_skai@bankina.co.id and telephone at
dan telepon di nomor (021) 252 5678 Ext. 3800. Seluruh sarana (021) 252 5678 Ext. 3800. All reporting facilities are managed
pelaporan tersebut dikelola secara profesional dan transparan oleh professionally and transparently by the Whistleblowing Function
Fungsi Whistleblowing dan SKAI. Bank juga menyediakan hotline and SKAI. The Bank also provides a hotline for whistleblowers,
bagi pelapor, yang mana setiap pelapor akan mendapatkan where each whistleblower will be guaranteed security and
jaminan keamanan dan kerahasiaan pada saat menyampaikan confidentiality when submitting their report.
laporannya.
Mekanisme Penyampaian Laporan Report Submission Mechanism
Bank telah menyusun mekanisme dalam menyampaikan laporan The Bank has developed a mechanism in submitting reports of
pelanggaran di internal Bank, yaitu dengan menjelaskan latar violations within the Bank, namely by explaining the background
belakang dan kronologis pelaporan, memberikan tanggal-tanggal and chronology of reporting, providing dates related to the
yang berhubungan dengan kejadian, serta memberikan informasi incident, and providing clear information and possible impacts on
yang jelas dan kemungkinan dampaknya terhadap pihak terkait related parties for these conditions.
atas kondisi tersebut.
Perlindungan Bagi Pelapor Protection for Reporters
Bank senantiasa memberikan perlindungan penuh terhadap The Bank always provides full protection to whistleblowers by
pelapor dengan menjamin kerahasiaan identitas dan hal yang guaranteeing the confidentiality of identity and reported matters.
dilaporkan. Jaminan tersebut untuk memotivasi karyawan This guarantee is to motivate employees to prioritize an open
mengutamakan sikap terbuka dan proaktif dalam menyuarakan and proactive attitude in voicing potential or acts of violation
PT Bank Ina Perdana Tbk
2023 Annual Report 317
Page 320
Tata Kelola Perusahaan
Corporate Governance
potensi ataupun tindakan pelanggaran di lingkungan kerja in the Bank’s work environment. However, protection can only
Bank. Akan tetapi, perlindungan hanya dapat diberikan kepada be provided to whistleblowers with Partial Anonymity and Full
pelapor dengan kategori Partial Anonymity dan Full Disclosure. Disclosure categories. Whistleblowers are also kept informed of
Pelapor juga senantiasa diberikan informasi terkait perkembangan the progress of the investigation into their report. In addition,
penyelidikan atas laporannya. Selain itu, Bank memastikan setiap the Bank ensures that every employee who is part of the
karyawan yang menjadi bagian Fungsi Whistleblowing tidak Whistleblowing Function does not divulge the reports he handles,
membocorkan pelaporan yang ditanganinya, kecuali kepada except to the reporter or parties related to the report handled.
pelapor atau pihak yang berhubungan dengan laporan yang
ditangani.
Mekanisme Tindak Lanjut Laporan Report Follow Up Mechanism
Informasi pengaduan yang masuk akan ditindaklanjuti oleh SKAI. Information on incoming complaints will be followed up by SKAI.
Kemudian, akan dilanjutkan pada proses penyelidikan oleh unit/ Then, the investigation process will be continued by the relevant
divisi terkait, mulai dari identifikasi, pemeriksaan, dan analisa hasil units/divisions, starting from the identification, examination,
temuan pelanggaran yang melibatkan Komite Audit. Apabila and analysis of the findings of violations involving the Audit
pelanggaran yang terjadi termasuk pelanggaran yang berat, maka Committee. If the violation that occurs is a serious offense, it can
dapat dilanjutkan sampai kepada pihak kepolisian. be continued to the police.
Sosialisasi dan Upaya Peningkatan Kualitas Dissemination and Efforts to Improve the
Sistem Pelaporan Pelanggaran Quality of the Whistleblowing System
Sosialisasi dan upaya peningkatan kualitas WBS kepada seluruh Dissemination and efforts to improve the quality of WBS to all work
unit/divisi kerja dan karyawan dilakukan melalui kegiatan internal units/divisions and employees are carried out through internal
ataupun melalui e-mail blast. Sosialisasi tersebut dilakukan activities or through e-mail blasts. The dissemination is carried out
secara berkelanjutan untuk menciptakan lingkungan kerja yang on an ongoing basis to create a conducive work environment and
kondusif dan mendorong karyawan untuk melaporkan tindakan encourage employees to report violations that occur.
pelanggaran yang terjadi.
Laporan Pengaduan Complaint Report
Laporan pengaduan pelanggaran Bank selama tahun 2023 The Bank’s whistleblowing reports during 2023 are shown below.
ditunjukkan sebagai berikut.
Tindak Lanjut
Jenis Pengaduan Follow-up
Jumlah Pengaduan
Type of Number of Complaints
Complaint Belum Diproses Dalam Proses Selesai
Not Processed In the process Finished
Internal 2 - - 2
Eksternal 2 - - 2
PT Bank Ina Perdana Tbk
318 Laporan Tahunan 2023
Page 321
Transparansi Kondisi Keuangan
dan Non-Keuangan Bank
Transparency of the Bank’s Financial and Non-Financial Conditions
Bank Ina telah melakukan transparansi terhadap Laporan Tahunan Bank Ina has carried out transparency on Annual Reports (financial
(keuangan dan non-keuangan) serta Laporan Keuangan Publikasi and non-financial) as well as Quarterly Published Financial Reports
Triwulanan dan Laporan Keuangan Publikasi Bulanan dengan and Monthly Published Financial Reports in a timely manner and
tepat waktu dan dipublikasikan di situs web Bank. published on the Bank’s website.
Pengungkapan Aspek Lainnya
Disclosure of Other Aspects
Kebijakan Anti Korupsi dan Gratifikasi Anti-Corruption and Gratification Policy
Bank Ina mempunyai komitmen yang kuat untuk melaksanakan Bank Ina has a strong commitment to implement healthy and
proses bisnis yang sehat dan bersih dengan mengedepankan clean business processes by prioritizing integrity, transparency, and
integritas, transparansi, dan tanggung jawab. Maka dari itu, responsibility. Therefore, the Bank enforces the implementation
Bank menegakkan penerapan anti korupsi dengan mengesahkan of anti-corruption by ratifying the Anti-Gratuity, Bribery and
Pernyataan Anti Gratifikasi, Suap, dan Korupsi pada tanggal Corruption Statement on January 17, 2023. The Bank also avoids
17 Januari 2023. Bank juga menghindari adanya potensi potential gratuities in the work environment, such as gifts from
gratifikasi di lingkungan kerja, seperti pemberian dari nasabah, customers, vendors, business partners, or other third parties for
vendor, mitra usaha, ataupun pihak ketiga lainnya atas jasa yang services that have been provided. Therefore, the Bank periodically
telah diberikan. Maka dari itu, secara berkala Bank melakukan conducts dissemination related to gratuities to employees in order
sosialisasi terkait gratifikasi kepada karyawan agar terhindar dari to avoid all forms and negative impacts of gratification.
segala bentuk dan dampak negatif dari gratifikasi.
Laporan Penerimaan Hadiah dari Pihak Ketiga Report of Acceptance of Gifts from Third
Parties
Dewan Komisaris, Direksi, Pejabat Eksekutif, ataupun karyawan The Board of Commissioners, Board of Directors, Executive
Bank Ina tidak menerima hadiah apapun dari pihak ketiga selama Officers, or employees of Bank Ina did not receive any gifts from
tahun 2023. third parties during 2023.
Kebijakan Pengadaan Barang dan Jasa Goods and Services Procurement Policy
Bank telah menyusun kebijakan terkait pengadaan barang dan The Bank has developed a policy related to the procurement of
jasa dalam Surat Keputusan No. UM/016/01/1221 Versi 2.0 goods and services in Decision No. UM/016/01/1221 Version 2.0
tanggal 20 Desember 2021. Kebijakan tersebut berisikan tentang dated December 20, 2021. The policy contains procedures for
prosedur pengadaan barang dan jasa, penunjukan mitra bisnis/ procurement of goods and services, appointment of business
pihak ketiga, serta pembayaran barang dan jasa. partners/third parties, and payment for goods and services.
PT Bank Ina Perdana Tbk
2023 Annual Report 319
Page 322
Tata Kelola Perusahaan
Corporate Governance
Informasi tentang Buy Back Saham dan Information about Share Buy Back and
Buy Back Obligasi Bond Buy Back
Pada tahun 2023, Bank tidak melaksanakan buy back saham In 2023, the Bank did not buy back shares or buy back bonds.
ataupun buy back obligasi.
Penyediaan Dana kepada Pihak Terkait dan Provision of Funds to Related Parties and
Dana Besar Large Exposure
Penyediaan dana kepada pihak terkait dan dana besar dilakukan The provision of funds to related parties and large exposure is
Bank dengan pertimbangan yang matang dan mengutamakan carried out by the Bank with careful consideration and prioritizes
prinsip kehati-hatian, yang merujuk pada Peraturan Otoritas the prudential principle, which refers to the Financial Services
Jasa Keuangan No. 38/POJK.03/2019 tanggal 19 Desember Authority Regulation No. 38/POJK.03/2019 dated December
2019 tentang Batas Maksimum Pemberian Kredit (BMPK) dan 19, 2019 on the Legal Lending Limit (LLL) and the Provision of
Penyediaan Dana Besar bagi Bank Umum. Selain itu, penyediaan Large Exposure for Commercial Banks. In addition, the provision
dana kepada pihak terkait dan dana besar menjadi wewenang dari of funds to related parties and large exposures is authorized by
Komisaris Independen dengan mempertimbangkan ketentuan the Independent Commissioner by considering Bank Indonesia’s
Bank Indonesia mengenai aspek Batas Maksimum Pemberian provisions regarding aspects of the Legal Lending Limit (LLL).
Kredit (BMPK).
Pada tahun 2023, penyediaan dana kepada pihak terkait dan In 2023, the provision of funds to related parties and large
dana besar diungkapkan pada tabel berikut. exposure is disclosed in the following table.
Total
Penyediaan Dana Nominal
Provision of Funds Debitur
(Jutaan Rupiah)
Debtor
(Million Rupiah)
Kepada Pihak Terkait
18 225.160
To Related Parties
Kepada Debitur Inti
25 380.466
To Core Debtors
a. Individu
11 2.583
Individuals
b. Grup
14 377.883
Group
Kredit yang Direstrukturisasi Restructured Loans
Penerapan kredit yang direstrukturisasi merupakan program The implementation of restructured loans is a restructuring
restrukturisasi terhadap debitur yang terdampak Covid-19, sesuai program for debtors affected by Covid-19, in accordance with
dengan Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2021 Financial Services Authority Regulation No. 17/POJK.03/2021
yang merupakan Perubahan Kedua atas Peraturan Otoritas Jasa which is the Second Amendment to Financial Services Authority
Keuangan No. 11/POJK.03/2020 tentang Stimulus Perekonomian Regulation No. 11/POJK.03/2020 on National Economic Stimulus
Nasional sebagai Kebijakan Countercyclical Dampak Penyebaran as a Countercyclical Policy for the Impact of the Covid-19 Spread.
Covid-19. Di tahun 2023, Bank telah melakukan restrukturisasi In 2023, the Bank restructured through extension and interest rate
melalui perpanjangan dan penurunan suku bunga sebesar reduction amounting to Rp286.73 billion for debtors affected by
Rp286,73 miliar untuk debitur terdampak Covid-19 dan sebesar Covid-19 and Rp79.44 billion for non-Covid-19 debtors.
Rp79,44 miliar untuk debitur non-Covid-19.
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Penyediaan Dana untuk Kegiatan Politik Provision of Funds for Political and Social
dan Sosial Activities
Bank menjalankan bisnis yang transparan tanpa terlibat dalam The Bank conducts transparent business without engaging in
kegiatan politik. Oleh karena itu, tidak terdapat informasi political activities. Therefore, there is no information regarding
terkait penyediaan dana untuk kegiatan politik. Namun, Bank the provision of funds for political activities. However, the Bank
berpartipasi secara aktif dalam kegiatan sosial, terutama dalam actively participates in social activities, especially in improving
meningkatkan kesejahteraan masyarakat sekitar. Informasi terkait the welfare of the surrounding community. Information related
penyediaan dana untuk kegiatan sosial Bank telah disampaikan to the provision of funds for the Bank’s social activities has been
pada Bab Keberlanjutan Sosial dan Lingkungan di dalam Laporan presented in the Social and Environmental Sustainability Chapter
Tahunan ini. in this Annual Report.
Kebijakan Insider Trading Insider Trading Policy
Bank telah menyusun kebijakan terkait insider trading dalam The Bank has developed policies related to insider trading in
Pedoman Penerapan Tata Kelola, dengan uraian sebagai berikut: the Corporate Governance Implementation Guidelines, with the
1. Karyawan tidak boleh melakukan transaksi jual beli saham following description:
atau surat berharga Bank di bursa dengan menggunakan data 1. Employees shall not conduct buying and selling transactions
dan informasi internal Bank yang belum menjadi informasi of the Bank’s shares or securities on the stock exchange using
publik, baik untuk keuntungan pribadi, pihak keluarga, the Bank’s internal data and information that has not become
maupun teman; public information, either for personal gain, family, or friends;
2. Karyawan tidak boleh mengungkapkan informasi internal 2. Employees shall not disclose the Bank’s internal information
Bank kepada sesama karyawan yang tidak mempunyai to fellow employees who are not authorized to access such
wewenang untuk mengakses informasi/data tersebut atau information/data or to outside parties; and
kepada pihak luar; serta
3. Jika karyawan tetap ingin melaksanakan transaksi jual beli 3. If employees still wish to carry out transactions in the sale and
saham/surat berharga Bank, karyawan harus melakukannya di purchase of Bank shares/securities, they must do so outside
luar bursa saham. Apabila karyawan dalam melakukan hal ini the stock exchange. If the employee in doing this causes other
menyebabkan pihak lain melakukan transaksi di bursa saham parties to make transactions on the stock exchange due to
karena mengetahui atau mendapatkan informasi internal knowing or obtaining the internal information, the employee
tersebut, maka karyawan dapat dianggap telah membocorkan can be considered to have leaked the company’s internal
informasi internal perusahaan dan telah melanggar ketentuan information and has violated the company’s provisions.
perusahaan.
Untuk menghindari terjadinya insider trading yang dilakukan To avoid insider trading by employees, the Bank always
oleh karyawan, Bank senantiasa melakukan sosialisasi kebijakan disseminates insider trading policies to all employees through
insider trading kepada seluruh karyawan melalui media internal internal media and other activities.
dan kegiatan lainnya.
Program Kepemilikan Saham oleh Employee and/or Management Share
Karyawan dan/atau Manajemen Ownership Program (ESOP/MSOP)
(ESOP/MSOP)
Bank tidak melaksanakan Program Kepemilikan Saham untuk The Bank did not implement any Employee and/or Management
Karyawan dan/atau Manajemen (ESOP/MSOP) selama tahun 2023. Stock Ownership Program (ESOP/MSOP) during 2023.
Transaksi yang Mengandung Benturan Transactions Containing Conflicts of
Kepentingan Interest
Tidak terdapat informasi terkait transaksi yang mengandung There is no information related to transactions that contain
benturan kepentingan dengan pihak berelasi Bank selama tahun conflicts of interest with related parties of the Bank during 2023.
2023.
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Tata Kelola Perusahaan
Corporate Governance
Rencana Strategis Bank Bank Strategic Plan
Rencana strategis Bank disusun untuk mengetahui target dan The Bank’s strategic plan is prepared to determine the Bank’s
rencana Bank ke depannya, yang disesuaikan dengan kondisi future targets and plans, which are adjusted to the Bank’s current
Bank terkini dan perubahan peraturan perundang-undangan yang conditions and changes in applicable laws and regulations.
berlaku. Oleh karena itu, Bank melakukan peninjauan kembali Therefore, the Bank reviewed its business strategies, both for the
terhadap strategi bisnis, baik untuk jangka pendek, jangka short term, medium term, and long term as disclosed in the Bank’s
menengah, ataupun jangka panjang yang diungkapkan pada Business Plan as follows.
Rencana Bisnis Bank sebagai berikut.
1. Rencana Strategis Jangka Pendek (2024) 1. Short Term Strategic Plan (2024)
a. Target Finansial a. Financial Targets
1) Meningkatkan dana pihak ketiga (DPK) menjadi 1) Increasing third party funds (DPK) to Rp22.46 trillion
Rp22,46 triliun pada akhir Desember 2024, tumbuh by the end of December 2024, growing by 11.83%
11,83% dibanding proyeksi akhir Desember 2023 from the end of December 2023 projection of
sebesar Rp20,08 triliun, termasuk di dalamnya target Rp20.08 trillion, including the target of third party
dana pihak ketiga dari layanan perbankan digital funds from digital banking services of Rp134 billion.
sebesar Rp134 miliar.
2) Meningkatkan kredit yang diberikan sebesar Rp3,28 2) Increasing loans by Rp3.28 trillion to Rp15.78 trillion,
triliun menjadi Rp15,78 triliun, tumbuh 26,21% growing by 26.21% from the end of December 2023
dari proyeksi akhir Desember 2023 sebesar Rp12,51 projection of Rp12.51 trillion, including the target of
triliun, sudah termasuk target pinjaman melalui loans through digital services of Rp158 billion.
layanan digital sebesar Rp158 miliar.
3) Meningkatkan pertumbuhan total aset menjadi 3) Increasing the growth of total assets to Rp27.50
Rp27,50 triliun di Desember 2024 dari Rp24,29 triliun trillion by December 2024 from Rp24.29 trillion
diproyeksi akhir Desember 2023. projected at the end of December 2023.
4) Memperoleh pendapatan bunga bersih sebesar 4) Achieving net interest income of Rp893.06 billion
Rp893,06 miliar dengan laba bersih setelah pajak with net profit after tax of Rp233.08 billion by
sebesar Rp233,08 miliar pada Desember 2024. December 2024.
b. Target Non-Finansial b. Non-Financial Targets
1) Target Bisnis 1) Business Targets
a) Meningkatkan pertumbuhan kredit di tahun 2024 a) Increasing credit growth in 2024 by continuing
dengan tetap berfokus pada sektor komersial to focus on productive commercial sector, as well
produktif, serta melakukan pengembangan as developing consumer loans, such as home
kredit konsumsi, seperti kredit kepemilikan ownership loans (KPR), motor vehicle loans (KKB),
rumah (KPR), kredit kendaraan bermotor (KKB), multi-purpose loans (KMG), and unsecured loans
kredit multi guna (KMG), serta kredit tanpa (KTA).
angunan (KTA).
b) Meningkatkan dana pihak ketiga dengan tetap b) Increasing third party funds while maintaining
menjaga cost of fund. cost of funds.
c) Meningkatkan kinerja kantor cabang untuk c) Improving the performance of branch offices to
meningkatkan kontribusi terhadap pendapatan increase contribution to the Bank’s income.
Bank.
2) Operasional 2) Operational
a) Mempertahankan peringkat komposit tingkat a) Maintaining the Bank’s composite soundness
kesehatan Bank pada peringkat PK2 atau rating at PK2 or “Healthy” on an ongoing basis.
“Sehat” secara berkesinambungan.
b) Menyempurnakan sistem pengendalian internal b) Enhancing the internal control system in
pada aktivitas operasional dan perkreditan operational and lending activities through
melalui perbaikan berkelanjutan untuk kebijakan continuous improvement of policies and
dan prosedurnya. procedures.
c) Memperkuat risk control system dengan prioritas c) Strengthening the risk control system with
untuk aktivitas operasional, perkreditan, dan IT. priority for operational, lending, and IT activities.
d) Meningkatkan efisiensi transaksi yang terkendali. d) Improving the efficiency of controlled transactions.
e) Memastikan ketahanan siber dan pengamanan e) Ensuring effective and efficient cyber resilience
informasi yang efektif dan efisien dalam and information security in administering digital
penyelenggaraan layanan perbankan digital. banking services.
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3) Lain-lain 3) Others
a) Rencana perubahan Logo Bank a) Plan to change the Bank’s Logo
Dengan semakin berkembangnya usaha Bank, With the development of the Bank’s business,
maka manajemen berencana untuk melakukan the management plans to refresh the Bank’s
refreshment (penyegaran) atas desain Logo logo design in 2024. The new Bank Logo will
Bank di tahun 2024. Adapun Logo Bank baru not change significantly. The purpose of the
tidak akan berubah secara signifikan. Tujuan refreshment is to increase public awareness of
dari refreshment tersebut untuk meningkatkan Bank Ina. The Bank’s management will submit a
awareness masyarakat terhadap Bank Ina. detailed plan for the change of the Bank’s Logo
Manajemen Bank akan menyampaikan rencana to the Financial Services Authority in accordance
perubahan Logo Bank tersebut secara detail with the provisions of the Financial Services
kepada Otoritas Jasa Keuangan sesuai dengan Authority Regulation No. 12/POJK.03/2021 on
ketentuan Peraturan Otoritas Jasa Keuangan Commercial Banks.
No. 12/POJK.03/2021 tentang Bank Umum.
b) Meningkatkan fungsi pengawasan aktif Dewan b) Improving the active supervisory function of the
Komisaris dan Direksi melalui komite-komite Board of Commissioners and Board of Directors
penunjang yang telah dibentuk. through the established supporting committees.
2. Rencana Strategis Jangka Menengah (2025-2026) 2. Medium Term Strategic Plan (2025-2026)
Target Finansial dan Non-Finansial Financial and Non-Finacial Target
a. Meningkatkan DPK menjadi Rp28,27 triliun di tahun a. Increasing DPK to Rp28.27 trillion in 2025 and to Rp35.58
2025 dan menjadi Rp35,58 triliun di tahun 2026, trillion in 2026, including a target for DPK through digital
termasuk target untuk DPK melalui layanan perbankan banking services of Rp364 billion in 2025 and Rp698 in
digital sebesar Rp364 miliar di tahun 2025 dan Rp698 di 2026.
tahun 2026.
b. Meningkatkan kredit menjadi Rp19,94 triliun di tahun b. Increasing loans to Rp19.94 trillion in 2025 and to
2025 dan menjadi Rp25,20 triliun di tahun 2026, Rp25.20 trillion in 2026, including loans through digital
termasuk kredit melalui layanan perbankan digital pada banking services in 2025 of Rp408 billion and in 2026 of
tahun 2025 sebesar Rp408 miliar dan pada tahun 2026 Rp782 billion.
sebesar Rp782 miliar.
c. Total aset ditargetkan di tahun 2025 sebesar Rp33,78 c. Total assets are targeted at Rp33.78 trillion in 2025 and
triliun dan di tahun 2026 sebesar Rp41,69 triliun; Rp41.69 trillion in 2026;
d. Perolehan laba bersih setelah pajak untuk tahun 2025 d. Net profit after tax for 2025 and 2026 is projected at
dan 2026 masing-masing diproyeksikan sebesar Rp282 Rp282 billion and Rp353 billion, respectively;
miliar dan Rp353 miliar;
e. Mempertahankan Peringkat Komposit Tingkat Kesehatan e. Maintaining the Bank’s Soundness Level Composite
Bank pada peringkat PK 2 (sehat); serta Rating at PK 2 (healthy); and
f. Meningkatkan fee based income dari produk dan layanan f. Increasing fee-based income from the Bank’s products
Bank. and services.
Transparansi Praktik Bad Governance
Bad Governance Practice Transparency
Bank mengungkapkan transparansi praktik bad governance The Bank discloses transparency of bad governance practices
sebagai bentuk komitmen dalam menjalankan aktivitas bisnis as a form of commitment in carrying out good and responsible
yang baik dan bertanggung jawab sesuai dengan peraturan business activities in accordance with applicable laws and
perundang-undangan yang berlaku, yang diuraikan sebagai regulations, which are described as follows.
berikut.
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Tata Kelola Perusahaan
Corporate Governance
Praktik Bad Corporate Governance Keterangan
Bad Czorporate Governance Practices Remark
Adanya laporan sebagai Bank yang mencemari lingkungan Sebagai perusahaan yang bergerak dalam bidang perbankan, Bank Ina
There is a report as a bank that pollutes the environment tidak memiliki kegiatan yang mencemari lingkungan serta berkomitmen
untuk senantiasa mendukung program Save Earth (Go Green) yang telah
diterapkan dalam internal Bank.
As a company engaged in the banking sector, Bank Ina does not have
activities that pollute the environment and is committed to always
supporting the Save Earth (Go Green) program that has been implemented
internally within the Bank.
Perkara penting yang sedang dihadapi oleh Bank, anggota Dewan Komisaris, Sepanjang tahun 2023, terdapat 2 perkara yang dihadapi Bank.
dan/atau Direksi yang sedang menjabat tidak diungkapkan dalam Laporan Throughout 2023, there were 2 cases faced by the Bank.
Tahunan
Important matters currently being faced by the Bank, members of the Board
of Commissioners and/or Board of Directors who are currently serving are
not disclosed in the Annual Report
Ketidakpatuhan dalam pemenuhan kewajiban perpajakan Bank Ina telah memenuhi kewajiban perpajakan pada tanggal 30 April 2024
Non-compliance in fulfilling tax obligations untuk tahun pajak 2023.
Bank Ina fulfilled its tax obligations on April 30, 2024 for tax year 2023.
Ketidaksesuaian penyajian Laporan Tahunan dan Laporan Keuangan dengan Penyusunan Laporan Tahunan dan Laporan Keuangan telah disesuaikan
peraturan yang berlaku dan Standar Akuntansi Keuangan dengan peraturan dan perundang-undangan yang berlaku. Laporan
Discrepancies in the presentation of the Annual Report and Financial Tahunan Bank Ina menginformasikan mengenai Laporan Manajemen
Statements with the applicable regulations and Financial Accounting Bank mencakup pelaksanaan tugas, tantangan, dan capaian sepanjang
Standards tahun 2023 dan telah disusun dengan mengacu pada Peraturan Otoritas
Jasa Keuangan No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten
Atau Perusahaan Publik. Sementara itu, Laporan Keuangan Tahunan Bank
Ina juga memberikan informasi pencatatan dari segala transaksi yang
berkaitan dengan dana pihak ketiga, kredit, pembelian dan penjualan
secara detail dan perhitungan yang akurat selama 1 tahun dan merupakan
hasil pertanggungjawaban manajemen atas penggunaan sumber daya
yang dipercayakan kepada mereka. Oleh karena itu, penyusunan Laporan
Keuangan dibuat sesuai dengan Standar Akuntansi Keuangan yang berlaku.
Laporan Keuangan Tahunan yang berakhir pada 31 Desember 2023 juga
telah diperiksa dan disahkan oleh Akuntan Publik yang ditunjuk oleh Bank,
yaitu KAP Purwantono, Sungkoro & Surja.
The preparation of the Annual Report and Financial Statements has
been in accordance with the applicable laws and regulations. Bank Ina’s
Annual Report informs about the Bank’s Management Report covering
the implementation of tasks, challenges, and achievements throughout
2023 and has been prepared with reference to Financial Services Authority
Regulation No. 29/POJK.04/2016 on Annual Reports of Issuers or Public
Companies. Meanwhile, Bank Ina’s Annual Financial Statements also provides
information on recording all transactions related to third party funds, credit,
purchases and sales in detail and accurate calculations for 1 year and is the
result of management’s accountability for the use of the resources entrusted
to them. Therefore, the preparation of financial statements is made in
accordance with the applicable Financial Accounting Standards. The Annual
Financial Statements ending December 31, 2023 has also been reviewed
and approved by the Public Accountant appointed by the Bank, namely KAP
Purwantono, Sungkoro & Surja.
Kasus terkait buruh dan karyawan Sepanjang tahun 2023, tidak terdapat kasus terkait buruh dan karyawan di
Cases related to labor and employees lingkungan Bank Ina.
Throughout 2023, there were no cases related to labor and employees
within Bank Ina.
Tidak terdapat pengungkapan segmen operasi Pengungkapan segmen operasi diungkapkan dalam Bab Analisis
There is no disclosure of operating segments Pembahasan Manajemen dalam Laporan Tahunan ini.
Disclosure of operating segments is disclosed in the Management Discussion
Analysis chapter in this Annual Report.
Terdapat ketidaksesuaian antara Laporan Tahunan hardcopy dengan Bank Ina senantiasa melakukan pengecekan sebelum mengunggah Laporan
Laporan Tahunan softcopy Tahunan dan memastikan kesesuaian data antara Laporan Tahunan
There are inconsistencies between the Annual Reports hardcopy with the hardcopy dengan softcopy.
Annual Report softcopy Bank Ina always checks before uploading the Annual Report and ensures
data conformity between the Annual Reports hardcopy with softcopy.
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Page 328
Keberlanjutan
Sosial dan
Lingkungan
Social and
Environmental
Sustainability
07
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Page 330
Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Tata Kelola Keberlanjutan
Sustainability Governance
Penerapan keuangan berkelanjutan menjadi prioritas utama bagi The implementation of sustainable finance is a top priority for
Bank Ina untuk mendukung terbentuknya kehidupan masa depan Bank Ina to support the establishment of a better future life for all
yang lebih baik bagi seluruh pemangku kepentingan. Komitmen stakeholders. This commitment is realized in the implementation
tersebut diwujudkan dalam pelaksanaan inisiatif yang diselaraskan of initiatives that are aligned with 3 main aspects, namely
pada 3 aspek utama, yaitu aspek ekonomi, sosial, dan lingkungan, economic, social, and environmental aspects, and refers to the
serta mengacu pada Tujuan Pembangunan Berkelanjutan (TPB) Sustainable Development Goals (SDGs) set by the government.
yang telah ditetapkan oleh pemerintah. Penerapan keuangan The implementation of sustainable finance is always adjusted to
berkelanjutan tersebut senantiasa disesuaikan dengan peraturan the relevant laws and regulations, as follows:
dan perundang-undangan yang terkait, yaitu:
1. Standar Operasional Prosedur No. 092 tahun 2016; 1. Standard Operating Procedure No. 092 of 2016;
2. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 2. Law No. 40 of 2007 on Limited Liability Companies;
Terbatas;
3. Undang-Undang No. 25 Tahun 2007 tentang Penanaman 3. Law No. 25 of 2007 on Capital Investment;
Modal;
4. Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 4. Financial Services Authority Regulation No. 51/POJK.03/2017
tentang Penerapan Keuangan keberlanjutan bagi Lembaga on Implementation of Sustainable Finance for Financial
Jasa Keuangan, Emiten, dan Perusahaan Publik; dan Services Institutions, Issuers, and Public Companies; and
5. Pedoman Teknis Penerapan Keuangan Berkelanjutan bagi 5. Technical Guidelines for Implementing Sustainable Finance
Sektor Perbankan dalam mengimplementasikan Keuangan for the Banking Sector in implementing Sustainable Finance
Berkelanjutan sesuai Peraturan Otoritas Jasa Keuangan in accordance with Financial Services Authority Regulation
No. 51/POJK.03/2017 tentang Penerapan Keuangan No. 51/POJK.03/2017 on Implementation of Sustainable
keberlanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Finance for Financial Services Institutions, Issuers, and Public
Perusahaan Publik. Companies.
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Penanggung Jawab Penerapan Keuangan Person in Charge of Implementing
Berkelanjutan [POJK51-E.1] Sustainable Finance [POJK51-E.1]
Guna mengoptimalkan pelaksanaan program keuangan In order to optimize the implementation of sustainable finance
berkelanjutan, Bank membentuk Tim Rencana Aksi Keuangan program, the Bank established the following Sustainable Finance
Berkelanjutan (Tim RAKB) atau Fungsi Lingkungan, Sosial, dan Action Plan Team (RAKB Team) or Environment, Social and
Tata Kelola (LST) berikut. Governance (LST) Function.
Penanggung Jawab
Person in Charge
Direksi
Board of Directors
Koordinator
Coordinator
• Direktur Manajemen Risiko & Kepatuhan
• Direktur Manajemen Risiko & Kepatuhan
• Directorate of Risk Management & Compliance
• Directorate of Risk Management & Compliance
Penerapan Supporting
Penyusun dan Implementation Supporting
Evaluasi dan
Monitoring Laporan Berkelanjutan • Divisi Bisnis Korporasi, • Digital Governance
Quality Assurance
Compiler and Sustainability Report Komersial & SME • Divisi Human Capital
• Divisi Branch Banking & Evaluation and Quality • Bagian Akuntansi dan
Monitoring Sekretaris Perusahaan
Retail Assurance Perencanaan Keuangan
Divisi Manajemen Risiko Corporate Secretary
• Divisi Operasional • Divisi Audit Internal • Divisi Legal dan Recovery
Risk Management Division • Bagian Operasional • Bagian Kepatuhan & • Digital Governance
Pasar Uang & APU-PPT • Human Capital Division
Manajemen A/L
• Internal Audit Division • Accounting and Financial
• Corporate, Commercial & • Compliance & APU-PPT Planning Department
SME Business Division Department • Legal and Recovery
• Branch Banking & Retail Division
Division
• Operational Division
• Money Market
Operations & A/L
Management Section
Masing-masing divisi/unit kerja Tim RAKB/Fungsi LST Bank Each division/work unit of the Bank’s RAKB Team/LST function
menjalankan tugas, fungsi, wewenang, dan tanggung jawab carries out the following duties, functions, authorities, and
sebagai berikut. responsibilities.
Divisi/Bagian Tugas, Fungsi, Wewenang, dan Tanggung Jawab
Division/Department Duties, Functions, Authorities, and Responsibilities
Penanggung Jawab • Merumuskan visi dan misi penerapan keuangan berkelanjutan;
Person in Charge • Menyusun dan menetapkan kebijakan dan prosedur penerapan keuangan berkelanjutan dengan persetujuan Dewan
Komisaris; serta
• Memberikan arahan terhadap pelaksanaan penerapan keuangan berkelanjutan.
• Formulating the vision and mission of sustainable finance implementation;
• Developing and establishing policies and procedures for sustainable finance implementation with the approval of the
Board of Commissioners; and
• Providing direction on sustainable finance implementation.
Koordinator • Mengoordinasikan, mengarahkan, membina, dan mengawasi segala kegiatan terkait dengan penerapan keuangan
Coordinator berkelanjutan, termasuk namun tidak terbatas pada kegiatan penyusunan dan monitoring, penerapan, evaluasi, dan
penyusunan Laporan Keuangan berkelanjutan secara berkala; serta
• Menyampaikan laporan pelaksanaan atas penerapan keuangan berkelanjutan kepada Direksi secara berkala.
• Coordinating, directing, fostering, and supervising all activities related to the sustainable finance implementation,
including but not limited to the preparation and monitoring, implementation, evaluation, and preparation of periodic
sustainable financial reports; and
• Delivering periodic reports on sustainable finance implementation to the Board of Directors.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Divisi/Bagian Tugas, Fungsi, Wewenang, dan Tanggung Jawab
Division/Department Duties, Functions, Authorities, and Responsibilities
Penyusun dan Monitoring • Merancang, merumuskan, dan menyusun RAKB sesuai dengan kebijakan dan ketentuan yang berlaku, termasuk namun
Compiler and Monitoring tidak terbatas pada target market, limit, dan kewenangan sesuai dengan kemampuan internal Bank dan kemampuan/
peluang terbuka di pasar; serta
• Mengoordinasikan penyusunan RAKB dengan melibatkan unit kerja terkait, termasuk evaluasi atas pencapaian target dan
realisasi atas RAKB.
• Designing, formulating, and preparing RAKB in accordance with the applicable policies and regulations, including but not
limited to the target market, limits, and authorities in accordance with the Bank’s internal capabilities and open capacities/
opportunities in the market; and
• Coordinating RAKB preparation by involving related work units, including evaluation of target achievement and RAKB
realization.
Penerapan • Mengelola kegiatan yang berkaitan dengan keuangan berkelanjutan, dengan melakukan koordinasi dari masing-masing
Implementation unit kerja sesuai RAKB yang telah ditetapkan;
• Memberikan pengarahan terhadap pelaksanaan koordinasi antar unit kerja terkait penerapan keuangan berkelanjutan;
• Memastikan kepatuhan penerapan keuangan berkelanjutan terhadap kebijakan, ketentuan, dan prosedur yang telah
ditetapkan, serta bertanggung jawab atas lancarnya pelaksanaan dari prosedur tersebut;
• Melaksanakan persetujuan pemberian kredit dan/atau operasional terkait dengan penerapan keuangan berkelanjutan; serta
• Melakukan sosialisasi/internalisasi penerapan keuangan berkelanjutan pada seluruh jajaran manajemen, unit kerja, dan
karyawan yang terkait.
• Managing activities related to sustainable finance, by coordinating each work unit according to the stipulated RAKB;
• Providing direction on the implementation of coordination between work units, related to sustainable finance
implementation;
• Ensuring compliance of sustainable finance implementation with the established policies, provisions, and procedures, and
being responsible for smooth implementation of these procedures;
• Executing approval for granting credit and/or operations related to sustainable finance implementation; and
• Disseminating/internalizing sustainable finance implementation to all levels of management, work units and related
employees.
Evaluasi dan Quality • Memastikan penerapan keuangan berkelanjutan sesuai dengan kebijakan dan rencana kerja penerapan keuangan
Assurance berkelanjutan;
Evaluation and Quality • Merancang, merumuskan, dan menentukan sistem monitoring yang efisien dan efektif terkait penerapan keuangan
Assurance berkelanjutan; serta
• Mengevaluasi kebijakan, sistem, dan prosedur penerapan keuangan berkelanjutan, serta memberikan rekomendasi
penyempurnaannya.
• Ensuring that sustainable finance implementation is in accordance with the policies and work plans for implementing
sustainable finance;
• Designing, formulating, and defining efficient and effective monitoring system for sustainable finance implementation; and
• Evaluating policies, systems, and procedures for implementing sustainable finance, and providing recommendations for
improvement.
Laporan Keberlanjutan Menyusun laporan penerapan keuangan berkelanjutan secara berkala sesuai ketentuan yang berlaku dan menyampaikannya
Sustainability Report kepada pihak yang berwenang sesuai tenggat waktu yang ditetapkan.
Preparing periodic reports on sustainable finance implementation in accordance with applicable regulations and submitting
the reports to competent authorities according to the stipulated deadline.
Supporting Mendukung dan membantu sepenuhnya terkait dengan penerapan keuangan berkelanjutan, termasuk namun tidak terbatas
pada penyediaan data, informasi, dokumen yang dibutuhkan, dan hal-hal lain terkait proses sosialisasi/internalisasi yang dilakukan.
Fully supporting and assisting the sustainable finance implementation, including but not limited to providing data,
information, required documents, and other matters related to the dissemination/internalization process being carried out.
Pengembangan Kompetensi terkait Competency Development related to
Keuangan Berkelanjutan [POJK51-E.2] Sustainable Finance [POJK51-E.2]
Bank memberikan kesempatan yang setara kepada Tim The Bank provides equal opportunities to RAKB Team/LST Function
RAKB/Fungsi LST serta karyawan lainnya yang terlibat dalam and other employees involved in the implementation of sustainable
penerapan keuangan berkelanjutan untuk mengikuti kegiatan finance to participate in sustainable competency development
pengembangan kompetensi berkelanjutan, baik yang activities, either organized by the Bank internally or externally. In
diselenggarakan oleh internal ataupun eksternal Bank. Pada tahun 2023, the implementation of competency development programs
2023, pelaksanaan program pengembangan kompetensi terkait related to sustainable finance was described as follows.
keuangan berkelanjutan diuraikan sebagai berikut.
Topik Program Pengembangan Penyelenggara Jabatan Peserta Jumlah Peserta
Development Program Topic Organizer Participant’s Position Number of Participants
Pelatihan Green Banking dan Keuangan Team Learning Bank Direksi, Kepala Divisi, Kepala Departemen, 34
Berkelanjutan serta Staf Divisi/Departemen
Green Banking and Sustainable Finance Board of Directors, Division Heads,
Training Department Heads, and Division/
Department Staff
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Penilaian Risiko atas Penerapan Keuangan Risk Assessment of Sustainable Finance
Berkelanjutan [POJK51-E.3] Implementation [POJK51-E.3]
Bank secara berkala melakukan penilaian risiko terkait The Bank periodically conducts risk assessments related to
keuangan berkelanjutan. Penilaian tersebut bertujuan untuk sustainable finance. The assessment aims to identify, monitor,
mengidentifikasi, mengawasi, dan memperbaiki kekurangan dan and correct deficiencies and weaknesses of the Bank’s internal
kelemahan dari pengendalian internal dan sistem manajemen control and risk management system. In addition, the Bank has
risiko Bank. Selain itu, Bank telah menetapkan langkah mitigasi established effective mitigation measures, starting from the
yang efektif, dimulai dari proses identifikasi, pengelompokan, identification process, grouping, to determining the mitigation of
hingga penentuan mitigasi masing-masing risiko. Berikut profil each risk. The following is Bank Ina’s risk profile and mitigation
dan langkah-langkah mitigasi risiko Bank Ina. measures.
Jenis Risiko Mitigasi Risiko
Risk Type Risk Mitigation
Risiko Ekonomi
Economic Risk
Risiko Kredit • Melakukan analisis yang memadai tentang calon debitur sebelum memberikan kredit,
Debitur pelaku usaha kategori keuangan berkelanjutan termasuk mengevaluasi histori keuangan dan reputasi mereka;
gagal dalam memenuhi kewajibannya. • Monitoring terhadap kondisi usaha dan pemenuhan kewajiban debitur;
• Restrukturisasi bagi debitur yang masih memiliki prospek usaha dan terdampak pandemi
Covid-19;
• Evaluasi terhadap eksposur kredit Bank; serta
• Penginian terhadap kebijakan dan ketentuan perkreditan Bank, disesuaikan dengan
kondisi ekonomi dan pasar yang terjadi.
Credit Risk • Conducting adequate analysis of prospective debtors before providing credit, including
The debtors of business actors in the sustainable finance evaluating their financial history and reputation;
category failed to fulfill their obligations. • Monitoring of business conditions and fulfilment of debtor obligations;
• Restructuring for debtors who still have business prospects and are affected by the
Covid-19 pandemic;
• Evaluating the Bank’s credit exposure; and
• Updating the Bank’s credit policies and provisions, adjusted to the prevailing economic and
market conditions.
Risiko Kepatuhan • Melakukan diseminasi peraturan-peraturan kepada Manajemen dan Unit Kerja Pelaksana,
Sanksi administratif berupa teguran atau peringatan tertulis termasuk hal-hal yang harus dipenuhi Bank;
atau denda bagi bank yang tidak melaksanakan aksi • Sertifikasi Manajemen Risiko dan refreshment bagi pejabat Bank, sesuai tingkatannya, secara
keuangan berkelanjutan serta berpotensi memengaruhi berkesinambungan; serta
nilai tingkat kesehatan bank. • Melakukan Quality Assurance Policy and Procedure yang dilakukan oleh Unit Kerja Kepatuhan.
Compliance Risk • Conducting dissemination of regulations to Management and Implementing Work Units,
Administrative sanctions in the form of written reprimands including matters that must be fulfilled by the Bank;
or warnings or fines for banks that do not carry out • Risk Management Certification and refreshment for Bank officials, according to their level,
sustainable finance actions, and have the potential to affect on an ongoing basis; and
the soundness level of the bank. • Implementing Quality Assurance Policy and Procedure by the Compliance Work Unit.
Risiko Stratejik • Memantau kinerja Bank yang merupakan hasil dari pelaksanaan strategi usaha maupun
Pencapaian kinerja yang tidak mencapai target dalam Rencana Bisnis Bank (RBB) yang dibahas pada rapat-rapat pengurus, Komite Pengarah
RAKB. Teknologi Informasi, rapat ALCO, dan sebagainya;
• Meningkatkan kompetensi SDM sejalan dengan perkembangan digital banking; serta
• Melakukan penyesuaian kebijakan dan prosedur terhadap lingkungan bisnis (eksternal dan
internal) serta peraturan yang berlaku.
Strategic Risk • Monitoring the Bank’s performance, which is the result of the implementation of
Performance achievement that does not reach RAKB target. business strategy and Bank’s Business Plan (RBB) and discussed at management meetings,
Information Technology Steering Committee, ALCO meetings, and so on;
• Improving HR competencies in line with digital banking developments; and
• Adjusting policies and procedures to the business environment (external and internal) and
applicable regulations.
Risiko Reputasi • Meminimalkan/menghindari pelanggaran terhadap peraturan yang berlaku, khususnya
Potensi risiko adanya opini negatif yang timbul karena Bank terkait keuangan berkelanjutan;
tidak melakukan aksi keuangan berkelanjutan. • Menangani keluhan nasabah dengan baik;
• Meningkatkan kualitas pelayanan terhadap nasabah; serta
• Menangani keluhan nasabah dengan baik.
Reputation Risk • Minimizing/avoiding violations of applicable regulations, particularly regarding sustainable
Potential risk of negative opinion arising because the Bank finance;
does not carry out sustainable finance actions. • Handling customer complaints properly;
• Improving the quality of service to customers; and
• Handling customer complaints properly.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Jenis Risiko Mitigasi Risiko
Risk Type Risk Mitigation
Risiko Hukum • Sebelum proyek pembiayaan dijalankan, terlebih dahulu dianalisis oleh Divisi Legal
Potensi tuntutan pihak ketiga akibat proyek pembiayaan Corporate untuk mengantisipasi adanya kelemahan hukum;
yang menyebabkan terjadinya kerusakan lingkungan. • Mempersiapkan materi kasus dan pemantauan proses hukum yang sedang berlangsung; serta
• Meningkatkan aspek pengendalian internal dalam memberikan penawaran kredit, pengikatan
dan perjanjian kredit, pengikatan jaminan dan perjanjian kerja sama dengan pihak ketiga.
Legal Risk • Before a financing project is executed, first the Legal Corporate Division shall analyze such
Potential third party lawsuit due to financing projects that to anticipate legal weaknesses;
cause environmental damage. • Preparing case materials and monitoring ongoing legal processes; and
• Improving internal control aspects in offering credit, credit binding and agreement,
binding guarantees, and cooperation agreements with third parties.
Risiko Operasional • Menumbuhkan kesadaran akan risiko kepada setiap karyawan;
Potensi risiko RAKB yang tidak berjalan karena SDM yang • Meningkatkan tanggung jawab setiap pelaksanaan operasional;
tidak memadai, proses internal yang tidak mendukung, dan • Melakukan perbaikan infrastruktur Bank; serta
kejadian eksternal yang memengaruhi proses pencapaian • Menerbitkan dan melakukan review terhadap ketentuan untuk mendukung aktivitas
RAKB. operasional Bank, khususnya terkait keuangan berkelanjutan.
Operational Risk • Growing risk awareness to every employee;
RAKB potential risks that do not work due to inadequate • Increasing the responsibility for each operational implementation;
human resources, unsupportive internal process, and • Improving the Bank’s infrastructure; and
external events affecting the process of achieving RAKB. • Publishing and reviewing provisions to support the Bank’s operational activities, particularly
related to sustainable finance.
Risiko Sosial
Social Risk
Kegagalan penerapan prinsip keuangan berkelanjutan di Mengikutsertakan karyawan dalam pelatihan terkait keuangan berkelanjutan, baik yang
internal yang terjadi akibat rendahnya pemahaman terkait diselenggarakan oleh internal maupun eksternal Bank.
keuangan berkelanjutan yang dimiliki oleh karyawan dan
(calon) debitur Bank.
Failure to implement sustainable finance principles internally Enrolling employees in training programs related to sustainable finance, held internally by
due to low understanding of the Bank’s employees and the Bank or externally.
(prospective) debtors on sustainable finance.
Risiko Lingkungan
Environmental Risk
Pembiayaan terhadap Kegiatan Usaha yang Tidak Menetapkan syarat minimum terhadap penyaluran kredit pada kegiatan usaha yang terkait
Bertanggung Jawab langsung dengan lingkungan, seperti kelengkapan dokumen Analisis Mengenai Dampak
pembiayaan terhadap kegiatan usaha yang tidak Lingkungan Hidup (AMDAL) dan Program Penilaian Peringkat Kinerja Perusahaan dalam
bertanggung jawab dapat merusak reputasi Bank dan Pengelolaan Lingkungan Hidup (PROPER).
keberlanjutan ekosistem lingkungan hidup.
Financing of Irresponsible Business Activities Establishing minimum requirements for lending to business activities that are directly related to
Financing for Irresponsible Business Activities Financing the environment, such as completeness of Environmental Impact Analysis (AMDAL) documents
irresponsible business activities can damage the Bank’s and the Company Performance Rating Program in Environmental Management (PROPER).
reputation and sustainability of environmental ecosystem.
Risiko terkait Iklim Mengintegrasikan pertimbangan iklim dalam strategi bisnis, mengadopsi praktik keuangan
Perubahan iklim dapat memberikan dampak signifikan berkelanjutan, melakukan evaluasi risiko iklim terpadu, dan mengembangkan skenario stres
pada kinerja keuangan debitur, terutama bagi sektor usaha iklim untuk memahami dampak potensialnya terhadap portofolio. Selain itu, Bank juga
yang rentan terhadapnya. Risiko iklim ini merujuk pada berupaya mendukung proyek-proyek hijau dan berinvestasi dalam inovasi teknologi yang
risiko transisi dan juga risiko fisik. berkontribusi pada mitigasi perubahan iklim.
Climate-related risks Integrating climate considerations into business strategies, adopting sustainable finance
Climate change can have a significant impact on the practices, conducting integrated climate risk evaluations, and developing climate stress
financial performance of debtors, especially for business scenarios to understand their potential impact on the portfolio. In addition, the Bank also
sectors that are vulnerable to it. Climatea risk refers to strives to support green projects and invest in technological innovations that contribute to
transition risk as well as physical risk. climate change mitigation.
Tantangan Penerapan Prinsip Keuangan Challenges of Implementing Sustainable
Berkelanjutan dan Strategi ke Depan Finance Principles and Future Strategies
[POJK51-E.5] [POJK51-E.5]
Bank Ina menghadapi beberapa tantangan dalam menerapkan Bank Ina faces several challenges in implementing sustainable
prinsip keuangan berkelanjutan, yang dijelaskan sebagai berikut. finance principles, which are explained as follows.
Tantangan Strategi
Challenge Strategy
Perubahan kebijakan pemerintah. Melakukan analisis kesesuaian aktivitas operasional dengan kebijakan pemerintah, khususnya
yang terkait keberlanjutan.
Changes in government policy. Conducting an analysis of the suitability of operational activities with government policies,
especially those related to sustainability.
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Tantangan Strategi
Challenge Strategy
Kebutuhan terhadap bekal pengetahuan yang cukup Meningkatkan pemahaman karyawan, khususnya analis maupun account officer, terkait
bagi analis maupun account officer, khususnya terkait keuangan berkelanjutan dan/atau lingkungan hidup.
pemberian kredit bagi kegiatan usaha berkelanjutan.
Required adequate knowledge for analysts and account Increasing employees understanding, particularly analysts and account officers, related to
officers, particularly related to granting credit for sustainable sustainable finance and/or the environment.
business activities.
Kebutuhan terhadap produk-produk Bank yang Mengembangkan produk pembiayaan dengan prinsip keuangan berkelanjutan.
mengakomodir kegiatan usaha berkelanjutan.
The needs for the Bank’s products that accommodate Developing financing products with sustainable finance principles.
sustainable business activities.
Kemampuan dunia usaha untuk menyerap penyaluran dana • Melakukan restrukturisasi kredit, khususnya bagi UMKM yang terkena dampak pandemi
kredit dari Bank masih dipengaruhi oleh situasi ekonomi Covid-19;
yang terdampak pandemi Covid-19. • Melakukan pengawasan intensif terhadap para debitur yang kreditnya direstrukturisasi;
• Melakukan penilaian terhadap keberlangsungan usaha debitur dan membuat pencadangan
yang memadai; serta
• Memasarkan berbagai produk kredit produktif kepada pengusaha atau perusahaan
dengan reputasi baik dan bergerak dalam sektor ekonomi yang mempunyai prospek usaha
positif di tengah perlambatan ekonomi global dan domestik.
The ability of business world to absorb lending funds from • Restructuring credit, particularly for MSMEs affected by the Covid-19 pandemic;
the Bank is still affected by the economic situation due to • Intensively supervising debtors whose credit is being restructured;
the Covid-19 pandemic. • Assessing debtor’s business continuity and preparing adequate reserves; and
• Marketing various productive credit products to entrepreneurs or companies with good
reputation and engaged in economic sectors that have positive business prospects amidst
the global and domestic economic slowdown.
Uji Tuntas Aspek Keberlanjutan Due Diligence of Sustainability Aspect
Bank Ina melakukan identifikasi atas dampak signifikan dari Bank Ina identifies the significant impacts of the Bank’s business
aktivitas usaha Bank, baik langsung maupun tidak langsung, serta activities, both directly and indirectly, as well as identifying
mengidentifikasi ekspektasi pemangku kepentingan atas program stakeholder expectations for the sustainability programs carried
keberlanjutan yang dilakukan Bank. Pembahasan komprehensif out by the Bank. A comprehensive discussion of material topics
atas topik material dan dampaknya telah diungkapkan pada bagian and their impacts has been disclosed in the Determination of
Penentuan Isi dan Topik Material dalam Laporan Tahunan ini. Content and Material Topics section of this Annual Report.
Selain itu, Fungsi LST Bank menelaah peraturan dan perundang- Furthermore, the Bank’s LST Function periodically reviews laws
undangan secara berkala untuk memastikan bahwa program and regulations to ensure that the sustainability programs
keberlanjutan yang dilaksanakan telah sesuai dan mematuhi implemented are appropriate and comply with these regulations.
peraturan tersebut. Hasil penelaahan dan identifikasi yang The results of review and identification carried out by LST Function
dilakukan oleh Fungsi LST akan dijadikan sebagai pedoman dalam will be used as a guideline in the Bank’s sustainability program
program keberlanjutan Bank pada periode berikutnya, dengan in the following period, while still aligning stakeholders’ needs,
tetap menyelaraskan kebutuhan pemangku kepentingan, Visi Vision and Mission, targets of Bank Ina. This includes considering
dan Misi, target Bank Ina. Hal ini termasuk mempertimbangkan the achievements and risks that will be faced from the planned
pencapaian dan risiko yang akan dihadapi dari program yang program.
direncanakan tersebut.
Penyusunan dan penetapan program keberlanjutan Bank juga The preparation and determination of the Bank’s sustainability
melibatkan pemangku kepentingan melalui mekanisme bottom program also involves stakeholders through a bottom-up
up, termasuk melakukan kerja sama dengan pihak lainnya yang mechanism, including cooperation with other parties who have an
memiliki kepentingan dengan Bank. Dengan proses pelibatan interest in the Bank. With such stakeholder involvement process,
pemangku kepentingan tersebut, Bank Ina berharap program Bank Ina expects that the sustainability program will be able to
keberlanjutan yang dilakukan mampu memberikan manfaat provide long-term benefits to all stakeholders, both internal and
dalam jangka panjang kepada seluruh pemangku kepentingan, external.
baik internal ataupun eksternal.
Pendekatan Holistik Terintegrasi dalam Integrated Holistic Approach in the
Pelaksanaan Keberlanjutan Implementation of Sustainability
Bank Ina melaksanakan program keberlanjutan dengan Bank Ina implements sustainability programs with an integrated
pendekatan holistik terintegrasi melalui penerapan konsep triple holistic approach by applying the concept of triple bottom line
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
bottom line (people, profit, dan planet) yang disesuaikan dengan (people, profit, and planet) mixed with the 7 Core Subjects of ISO
7 Subjek Inti ISO 26000. 26000.
ISO 26000
Social Responsibility
Tata Kelola Organisasi Praktik Ketenagakerjaan, Kesehatan, dan Keselamatan Kerja
Organizational Governance Employment, Occupational Health and Safety Practices
Pemenuhan Hak Asasi Manusia Pelibatan dan Pengembangan Masyarakat
Fulfillment of Human Rights Community Engagement and Development
Prosedur Operasi yang Adil
Fair Operating Procedures Produk/Jasa serta Pelanggan, Mitra Usaha, dan Investor
Products/Services as well as Customers, Business Partners, and
Lingkungan Hidup Investors
Environment
Lingkup dan Program Keberlanjutan yang Mandatory and Voluntary Sustainability
Merupakan Kewajiban maupun Melebihi Scope and Programs
Kewajiban
Bank telah menetapkan lingkup dan program keberlanjutan yang The Bank has established sustainability scopes and programs that
merupakan kewajiban maupun melebihi kewajiban sebagai berikut. are both mandatory and beyond mandatory as follows.
Insiatif Program Keberlanjutan Landasan Hukum
Sustainability Program Initiative Legal Foundation
Lingkungan • Undang-Undang No. 32 Tahun 2009 tentang Perlindungan dan Pengelolaan Lingkungan Hidup; serta
Environment • Peraturan Otoritas Jasa Keuangan No. 51 Tahun 2017 tentang Penerapan Keuangan Keberlanjutan bagi
Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
• Law No. 32 of 2009 on Environmental Protection and Management; and
• Financial Services Authority Regulation No. 51 of 2017 on Implementation of Sustainable Finance for
Financial Services Institutions, Issuers, and Public Companies.
Ketenagakerjaan Undang-Undang No. 13 Tahun 2003 tentang Ketenagakerjaan.
Manpower Law No. 13 of 2003 on Manpower.
Keselamatan Kerja Undang-Undang No. 1 Tahun 1970 tentang Keselamatan Kerja.
Occupational Safety Law No. 1 of 1970 on Occupational Safety.
Perlindungan Nasabah • Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Pelanggan;
Customer Protection • Pasal 3 No. 2 (i) terkait Memperkuat Perlindungan atas Data Pribadi Nasabah Sektor Keuangan dalam
Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan;
• Peraturan Otoritas Jasa Keuangan No. 1/POJK.03/2013 tentang Perlindungan Konsumen Sektor Jasa
Keuangan; serta
• Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 tentang Transparansi Informasi Produk Bank dan
Penggunaan Data Pribadi Nasabah.
• Law No. 8 of 1999 on Customer Protection;
• Article 3 No. 2 (i) related to Strengthening the Protection of Personal Data of Financial Sector Customers
in Law No. 4 of 2023 on Financial Sector Development and Strengthening.;
• Financial Services Authority Regulation No. 1/POJK.03/2013 on Consumer Protection in the Financial
Services Sector; and
• Financial Services Authority Regulation No. 1/POJK.07/2013 on Transparency of Bank’s Product Information
and Use of Customer Personal Data.
Program Anti Korupsi dan Anti-Fraud Undang-Undang No. 20 Tahun 2001 tentang Perubahan atas Undang-Undang No. 31 tahun 1999 tentang
Anti-Corruption and Anti-Fraud Program Pemberantasan Tindak Pidana Korupsi.
Law No. 20 of 2001 on Amendments to Law No. 31 of 1999 on Eradication of Corruption Criminal Act.
Literasi dan Inklusi Keuangan Peraturan Otoritas Jasa Keuangan No. 76/POJK.07/2016 tentang Peningkatan Literasi dan Inklusi Keuangan
Financial Literacy and Inclusion di Sektor Jasa Keuangan bagi Konsumen dan/atau Masyarakat.
Financial Services Authority Regulation No. 76/POJK.07/2016 on Increasing Financial Literacy and Inclusion in
the Financial Services Sector for Consumers and/or the Community.
Sedangkan, program keberlanjutan yang melebihi kewajiban, Meanwhile, voluntary sustainability programs are the provision
yaitu pemberian beasiswa dan bantuan sosial lainnya kepada of scholarships and other social assistance to the surrounding
masyarakat sekitar di wilayah operasional Bank. communities in the Bank’s operational areas.
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Keberlanjutan Pengembangan Sosial
Sustainability of Social Development
Penegakan Hak Asasi Manusia Enforcement of Human Rights
Komitmen Commitment
Bank berupaya menciptakan lingkungan kerja yang aman The Bank strives to create a safe and conducive work environment
dan kondusif melalui penegakan hak asasi manusia (HAM) di through the enforcement of human rights in the Bank’s work
lingkungan kerja Bank. environment.
Lingkup Tanggung Jawab Scope of Responsibilities
Lingkup tanggung jawab Bank dalam penerapan HAM, meliputi: The scope of the Bank’s responsibility in the implementation of
Human Rights, including:
1. Menghindari keterlibatan pada kegiatan yang melanggar HAM; 1. Avoiding involvement in activities that violate human rights;
2. Melakukan penanganan keluhan pemangku kepentingan 2. Handling stakeholders’ complaints properly;
dengan baik;
3. Tidak melakukan tindakan-tindakan diskriminatif; 3. Not taking discriminatory actions;
4. Melakukan pemenuhan hak-hak sipil dan politik bagi karyawan; 4. Fulfilling employees’ civil and political rights;
5. Melaksanakan pemenuhan hak ekonomi sosial dan budaya 5. Fulfilling employees’ economic, social, and cultural rights; and
bagi karyawan; serta
6. Menjalankan pemenuhan prinsip fundamental dan hak dalam 6. Fulfilling fundamental principles and rights in the work
lingkungan kerja. environment.
Pelaksanaan Inisiatif Implementation of the Initiative
Inisiatif yang diterapkan oleh Bank Ina terkait penegakan HAM The initiatives implemented by Bank Ina in relation to human
diuraikan sebagai berikut. rights enforcement are outlined below.
1. Praktik Kerja Tanpa Pelibatan Tenaga Kerja Anak 1. Occupational Practices Without Involving Child Labor or
ataupun Kerja Paksa [POJK51-F.19] Forced Labor [POJK51-F.19]
Guna menghindari adanya tenaga kerja paksa, Bank merujuk To avoid forced labor, the Bank refers to Article 77 of Law
pada Pasal 77 Undang-Undang No. 13 Tahun 2003 tentang No. 13 of 2003 on Manpower, specifically related to working
Ketenagakerjaan, khususnya terkait waktu kerja selama time of 40 hours in 1 week. If in the work process there are
40 jam dalam 1 minggu. Apabila di dalam proses kerja excess working hours, the Bank will provide overtime pay in
terdapat kelebihan jam kerja, maka Bank akan memberikan accordance with the provisions agreed upon in the collective
upah lembur sesuai dengan ketentuan yang telah disepakati labor agreement (CLA). Employees also have the right to
dalam perjanjian kerja bersama (PKB). Karyawan juga berhak refuse overtime by filing an objection. As for avoiding child
menolak melakukan lembur dengan mengajukan keberatan. labor, the Bank ensures that there are no workers under the
Adapun untuk menghindari adanya tenaga kerja anak, Bank age of 18 working at any level of position.
memastikan tidak adanya pekerja di bawah usia 18 tahun
yang bekerja di level jabatan mana pun.
2. Hak Cuti 2. Leave Rights
Seluruh karyawan Bank berhak mendapatkan cuti minimal All employees of the Bank are entitled to a minimum of
12 hari kerja dalam setahun dan dapat bertambah seiring 12 working days of leave a year and can increase as the length
bertambahnya masa kerja dengan batas maksimal 18 hari of service increases with a maximum limit of 18 working days
kerja dalam setahun. a year.
3. Izin Menjalankan Ibadah 3. Permission to Conduct Worship
Sebagai bentuk menjaga sikap toleransi antar sesama, Bank As a form of maintaining tolerance among others, the Bank
memberikan kebebasan kepada seluruh karyawan untuk provides freedom to all employees to worship without any
menjalankan ibadah tanpa adanya larangan, gangguan, restrictions, interference, or discrimination.
ataupun tindakan diskriminasi.
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2023 Annual Report 335
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
4. Izin Melahirkan dan Izin Laktasi 4. Maternity Leave and Lactation Permit
Bank menetapkan izin melahirkan berdasarkan Pasal 82, The Bank determines maternity leave based on Article 82,
Pasal 93 No. 2c, dan 4e Undang-Undang No. 13 Tahun 2003 Article 93 No.2c, and 4e of Law No. 13 of 2003 on Manpower,
tentang Ketenagakerjaan, sementara izin laktasi merujuk while lactation permit refers to Article 34 of Government
pada Pasal 34 Peraturan Pemerintah Republik Indonesia Regulation No. 33 of 2012 on Exclusive Breastfeeding.
No. 33 Tahun 2012 tentang Pemberian Air Susu Ibu Eksklusif. The permit is applied with due regard to the smooth running
Izin tersebut diberlakukan dengan tetap memperhatikan of employee’s duties and responsibilities.
kelancaran pelaksanaan tugas dan tanggung jawab karyawan.
5. Kebebasan Berserikat dan Berkumpul 5. Freedom of Association and Assembly
Bank memberikan kesempatan kepada seluruh The Bank provides opportunities for all employees to organize
karyawan untuk berserikat dan berkumpul dengan and assemble by granting permission to form a Labor Union.
memberikan izin untuk membentuk Serikat Pekerja. The establishment of the Labor Union must be in accordance
Pembentukan Serikat Pekerja tersebut harus sesuai with the provisions in Article 28 of the Constitution of the
dengan ketentuan dalam Pasal 28 Undang-Undang Republic of Indonesia and Presidential Decree No. 83 of 1998
Dasar Republik Indonesia dan Keputusan Presiden No. 83 on Ratification of International Labour Organization (ILO)
Tahun 1998 tentang Ratifikasi Konvensi International Labour Convention No. 87 of 1948 on Freedom of Association and
Organization (ILO) No. 87 Tahun 1948 tentang Kebebasan Protection of the Right to Form Organizations.
Berserikat dan Perlindungan atas Hak Membentuk Organisasi.
Capaian Kegiatan Activity Achievements
Pada tahun 2023, Bank telah berhasil menegakkan HAM secara In 2023, the Bank succeeded in upholding human rights
efektif, di antaranya: effectively, among others:
1. Terbentuknya hubungan kerja yang baik dengan karyawan, 1. Establishment of good working relationships with employees,
sehingga meningkatkan kinerja Bank; and thereby, increasing the Bank’s performance;
2. Terbentuknya lingkungan kerja yang nyaman bagi seluruh 2. Establishment of comfortable work environment for all
karyawan; serta employees; and
3. Tidak terdapat laporan pelanggaran HAM yang diterima oleh 3. No reports of human rights violations received by the Bank.
Bank.
Penghargaan dan Sertifikasi Awards and Certifications
Pada tahun 2023, Bank Ina belum menerima penghargaan In 2023, Bank Ina had yet to receive an award or certification
ataupun sertifikasi terkait HAM. Namun demikian, penerapan related to human rights. However, the implementation of this
inisiatif tersebut tetap dilakukan dengan optimal. initiative is still carried out optimally.
Praktik Operasi yang Adil Fair Operating Practices
Komitmen Commitment
Bank menerapkan praktik operasi yang adil dengan memenuhi The Bank implements fair operating practices by complying with
peraturan dan perundang-undangan mengenai bisnis perbankan the laws and regulations on banking business and upholding the
serta menjunjung prinsip efisien, efektif, kompetitif, transparan, principles of efficient, effective, competitive, transparent, fair and
adil dan wajar, serta akuntabel. reasonable, as well as accountable.
Pelaksanaan Inisiatif Implementation of the Initiative
Inisiatif yang diterapkan oleh Bank Ina terkait praktik operasi yang The initiatives implemented by Bank Ina in relation to fair operating
adil dipaparkan sebagai berikut. practices are described below.
1. Pengadaan Barang dan Jasa 1. Procurement of Goods and Services
Pengadaan barang dan jasa Bank telah diatur dalam kebijakan The Bank’s procurement of goods and services is regulated in
sebagai berikut: the following policy:
a. Petunjuk Pelaksanaan Operasi No. 077 tentang a. Operation Implementation Instruction No. 077 on the Use
Penggunaan Jasa Pihak Ketiga dalam Pengadaan Jasa/ of Third-Party Services in Procurement of Services/Rent of
Sewa Peralatan dan Perlengkapan Kantor; Office Equipment and Supplies;
b. Pedoman & Kebijakan Alih Daya No. SDM/001/00/0818; b. Outsourcing Guidelines & Policy No. HR/001/00/0818;
c. Kebijakan Pengadaan Barang dan/atau Jasa c. Goods and/or Services Procurement Policy
No. UM/016/01/1221 tanggal 14 Desember 2021; serta No. UM/016/01/1221 dated December 14, 2021; and
d. Satuan Operasional Prosedur No. 108 tentang Penggunaan d. Operational Unit Procedure No. 108 on the Use of
Penyedia Barang Jasa Teknologi dan Informasi. Technology and Information Service Goods Providers.
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336 Laporan Tahunan 2023
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2. Pencegahan Benturan Kepentingan 2. Prevention of Conflict of Interest
Guna menjaga proses bisnis berjalan dengan baik dan To keep the business process running properly and
profesional, Bank berupaya untuk mencegah terjadinya professionally, the Bank strives to prevent conflict of interest
benturan kepentingan dan intervensi dari pihak mana pun, and intervention from any party, including Shareholders.
termasuk Pemegang Saham. Oleh karena itu, para pihak Therefore, related parties who have a conflict of interest
terkait yang memiliki benturan kepentingan tidak diizinkan are not allowed to participate in decision-making. However,
untuk berpartisipasi dalam pengambilan keputusan. Namun, if a decision must still be made by a party with a conflict
jika keputusan masih harus diambil oleh pihak yang memiliki of interest, the decision-making process must prioritize the
benturan kepentingan, maka proses pengambilan keputusan interests of the Bank and transparently disclose such conflict
harus mengutamakan kepentingan Bank dan secara of interest in every decision and report of the Bank.
transparan mengungkapkan kondisi benturan kepentingan
tersebut dalam setiap keputusan dan laporan Bank.
3. Larangan Insider Trading 3. Prohibition of Insider Trading
Bank berupaya untuk menghindari terjadinya insider trading, The Bank endeavors to avoid the occurrence of insider trading,
yaitu penyebaran informasi terkait penawaran umum perdana which is the dissemination of information related to initial
saham di otoritas terkait yang dijual untuk mendapatkan public offering of shares in the relevant authorities that are
keuntungan oleh seseorang yang berasal dari internal Bank. sold for profit by someone who comes from within the Bank.
Untuk menghindari terjadinya tindakan tersebut, Bank Ina To avoid such actions, Bank Ina has implemented an Insider
telah menerapkan Kebijakan Insider Trading sebagaimana Trading Policy as disclosed in the Corporate Governance
diungkapkan pada Bab Tata Kelola Perusahaan dalam Laporan Chapter of this Annual Report.
Tahunan ini.
4. Integritas Sistem Perbankan 4. Banking System Integrity
Bank Ina memprioritaskan integritas dalam menjalankan Bank Ina prioritizes integrity in performing role as financial
peran sebagai lembaga keuangan. Oleh karenanya, Bank Ina institution. As such, Bank Ina ensures that all organs of the
memastikan seluruh organ Bank mempunyai integritas yang Bank have a good integrity and are free from any criminal
baik dan terbebas dari berbagai tindakan kriminal di bidang activities in the financial sector. In addition, all Bank employees
keuangan. Selain itu, seluruh karyawan Bank wajib melakukan are required to take precautions by detecting accounts
tindakan pencegahan dengan mendeteksi rekening-rekening suspected to be used for the activities of money laundering,
yang dicurigai digunakan untuk kegiatan money laundering, terrorism financing, corruption, and other criminal activities.
terrorism financing, korupsi, dan tindak kejahatan lainnya.
5. Pencegahan Korupsi dan Gratifikasi 5. Prevention of Corruption and Gratification
Pencegahan korupsi dan gratifikasi senantiasa dilakukan Prevention of corruption and gratification is always carried
oleh Bank untuk menghindari tindakan yang merugikan out by the Bank to avoid actions that harm and damage the
dan merusak nama baik Bank. Untuk itu, Bank Ina Bank’s good name. As such, Bank Ina implements the Anti-
menerapkan Kebijakan dan Prosedur Strategi Anti-Fraud Fraud Strategy Policy and Procedure RMG/013/02/0621 dated
RMG/013/02/0621 tanggal 1 Juli 2021. Kebijakan ini memuat July 1, 2021. This policy contains an Integrity Pact Declaration
Deklarasi Pakta Integritas yang wajib ditandatangani oleh that must be signed by all Bank employees. In addition,
seluruh karyawan Bank. Selain itu, Bank menyediakan sarana the Bank provides violation reporting channels related to
pengaduan pelanggaran terkait korupsi ataupun gratifikasi corruption or gratuities via telephone ((021) 252 5678
melalui telepon ((021) 252 5678 Ext. 1500)) dan e-mail Ext. 1500)) and e-mail (antifraud_skai@bankina.co.id).
(antifraud_skai@bankina.co.id).
Capaian Kegiatan Activity Achievements
Pada tahun 2023, Bank berhasil melaksanakan operasi yang adil di In 2023, the Bank succeeded in effectively implementing fair
lingkungan Bank secara efektif, di antaranya: operations within the Bank, among others:
1. Melibatkan seluruh pemangku kepentingan untuk turut serta 1. Involving all stakeholders to actively participate in
aktif dalam melakukan praktik operasi yang adil; implementing fair operating practices;
2. Menyediakan sarana pelaporan pelanggaran, seperti hotline 2. Providing facilities for reporting violations, such as a
whistleblowing; whistleblowing hotline;
3. Memberikan edukasi awareness yang memadai kepada seluruh 3. Providing adequate awareness education to all stakeholders
pemangku kepentingan terkait Anti-Fraud dan APU-PPT; regarding Anti-Fraud and AML-CFT;
4. Tidak terjadinya benturan kepentingan yang dapat merugikan 4. No conflict of interest that could harm the Bank; and
Bank; dan
5. Reputasi Bank terjaga. 5. The Bank’s reputation is maintained.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Pengelolaan Ketenagakerjaan, Kesehatan, Management of Employment,
dan Keselamatan Kerja Occupational Health and Safety
Komitmen Commitment
Dalam rangka menjaga produktivitas karyawan, Bank menerapkan To maintain employee productivity, the Bank implements
pengelolaan sumber daya manusia (SDM) yang sistematis dan systematic and sustainable human resource (HR) management
berkelanjutan serta memperhatikan kesehatan dan keselamatan and pays attention to occupational health and safety (OHS). HR
kerja (K3). Pengelolaan SDM juga ditujukan untuk mendorong management is also intended to encourage the formation of
terbentuknya karyawan yang unggul dan berdaya saing dalam superior and competitive employees in facing various challenges
menghadapi berbagai tantangan dan perubahan yang terjadi. and changes that occur.
Pelaksanaan Inisiatif Implementation of the Initiative
Inisiatif yang diterapkan oleh Bank terkait pengelolaan The initiatives implemented by the Bank in relation to labor and
ketenagakerjaan dan K3 diuraikan sebagai berikut. OHS management are described below.
1. Kesetaraan Kesempatan Bekerja [POJK51-F.18] 1. Equal Employment Opportunity [POJK51-F.18]
Kesetaraan dan kesempatan kerja yang sama menjadi Equality and equal employment opportunity are the Bank’s
perhatian utama Bank dalam menciptakan lingkungan kerja main concerns in creating a conducive work environment.
yang kondusif. Komitmen tersebut diterapkan mulai dari This commitment is implemented starting from a transparent
proses rekrutmen yang transparan, tanpa diskriminasi dan recruitment process, without discrimination and intervention.
intervensi. Seluruh pihak yang memenuhi kriteria calon All parties who meet the criteria for prospective employees of
karyawan Bank Ina diberikan kesempatan untuk melamar Bank Ina are given the opportunity to apply according to their
sesuai dengan kemampuan dan posisi yang tersedia. abilities and available positions.
Di sisi lain, Bank memperhatikan kesetaraan gender di On the other hand, the Bank pays attention to gender
lingkungan internal dengan menerapkan keadilan dan equality in the internal environment by implementing fairness
kesetaraan antara karyawan pria dan wanita dalam and equality between male and female employees in the
pembagian tugas, komposisi jabatan, remunerasi, dan aspek distribution of duties, composition of positions, remuneration,
lainnya. Bank juga memberikan kesempatan kerja khusus bagi and other aspects. The Bank also provides specific employment
penyandang disabilitas dengan menempatkannya di posisi opportunities for people with disabilities by placing them
yang sesuai dengan kemampuan mereka untuk berkontribusi in positions suitable to their ability to contribute optimally
secara maksimal sesuai keadaan mereka. according to their conditions.
Komposisi Karyawan Wanita
Total Karyawan Baru Total Karyawan
pada Jabatan Strategis
yang Direkrut Penyandang Disabilitas
Composition of Female
Total New Employees Recruited Total Employees with Disability
Employees in Strategic Position
333 orang / people >40% Nihil / None
2. Remunerasi [POJK51-F.20] 2. Remuneration [POJK51-F.20]
Bank Ina menerapkan kebijakan remunerasi yang adil tanpa Bank Ina implements a fair remuneration policy without
diskriminasi gender. Remunerasi diberikan didasarkan pada gender discrimination. Remuneration is given based on
penilaian kinerja karyawan dengan metode performance employee performance assessment by using the performance
appraisal serta mempertimbangkan rekomendasi dari Komite assessment method and considering recommendations from
Nominasi dan Remunerasi, peraturan perundang-undangan, the Nomination and Remuneration Committee, laws and
upah minimum regional/provinsi (UMR/UMP), kebijakan regulations, regional/provincial minimum wages (UMR/UMP),
remunerasi pada industri sejenis, dan faktor lainnya. Selain remuneration policy in similar industries, and other factors.
remunerasi, Bank Ina juga memberikan jenis remunerasi yang In addition to remuneration, Bank Ina also provides variable
bersifat variabel, seperti insentif atau bonus yang diberikan types of remuneration, such as incentives or bonuses given
sesuai dengan hasil penilaian masing-masing karyawan Bank. according to the assessment results of each Bank employee.
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Informasi terkait remunerasi karyawan Bank Ina berdasarkan Information related to remuneration of Bank Ina’s employees
wilayah operasional diungkapkan pada tabel berikut. based on operational areas is disclosed in the following table.
Upah Karyawan Tetap Rasio Upah Karyawan Tetap
Upah Minimum Regional
Terendah Terendah terhadap UMR
Wilayah (UMR)
Region Lowest Permanent Ratio of Lowest Permanent
Regional Minimum Wage
Employee Wages Employee Wages to UMR
(Rp)
(Rp) (%)
Jakarta 5.000.000 4.901.798 102,00
Tangerang Selatan
4.800.000 4.551.451 105,46
South Tangerang
Kota Tangerang
5.300.000 4.584.519 115,61
Tangerang City
Bandung 4.100.000 4.048.462 101,27
Bekasi 5.500.000 5.158.248 106,63
Karawang 5.300.000 5.176.179 102,39
Bogor 5.000.000 4.520.212 110,61
Depok 5.200.000 4.694.494 110,77
Purwakarta 4.500.000 4.464.675 100,79
Sukabumi 4.000.000 2.747.774 145,57
Yogyakarta 2.500.000 2.324.775 107,54
Semarang 3.170.000 3.060.348 103,58
Solo 3.000.000 2.174.169 137,98
Tegal 3.000.000 2.145.012 139,86
Surabaya 4.600.000 4.525.479 101,65
Malang 3.300.000 3.194.143 103,31
Medan 3.900.000 3.624.117 107,61
Ambon 3.100.000 2.812.827 110,21
Makassar 3.550.000 3.385.145 104,87
Denpasar 3.000.000 2.994.646 100,18
Palu 3.200.000 3.073.890 104,10
3. Pendidikan dan Pelatihan [POJK51-F.22] 3. Education and Training Programs [POJK51-F.22]
Bank mendorong terbentuknya karyawan yang kompetitif The Bank encourages the formation of competitive employees
dan berdaya saing dengan menyediakan program pendidikan by providing education and training programs needed by
dan pelatihan yang dibutuhkan oleh karyawan, baik yang employees, either organized by internal or external parties of
diselenggarakan oleh internal ataupun pihak eksternal Bank. the Bank. Information on the implementation of employee
Adapun informasi pelaksanaan pendidikan dan pelatihan education and training has been presented in the Business
karyawan telah disampaikan pada Bab Tinjauan Pendukung Support Overview Chapter in this Annual Report.
Bisnis di dalam Laporan Tahunan ini.
4. Program Pensiun 4. Pension Program
Dalam menjaga kesejahteraan hidup karyawan di masa In maintaining employees’ future well-being, the Bank
depan, Bank menyediakan program pensiun. Program pensiun provides a pension plan. The pension program is applied when
diberlakukan saat karyawan masih aktif bekerja dengan employees are still actively working by including employees in
mengikutsertakan karyawan dalam BPJS Ketenagakerjaan, BPJS Ketenagakerjaan, so that employees who have entered
sehingga karyawan yang telah memasuki usia pensiun (55 tahun) retirement age (55 years) will get:
akan mendapatkan:
a. Tunjangan Jaminan Pensiun; a. Pension Insurance Benefits;
b. Tunjangan Hari Tua (JHT); dan b. Old Age Allowance (JHT); and
c. Dana Pensiun, yang diberikan secara proporsional c. Pension Funds, which are disbursed proportionally based
berdasarkan masa kerja. on years of service.
Selain itu, pensiunan juga memiliki opsi untuk dipekerjakan In addition, retirees also have the option to be rehired as
kembali sebagai karyawan kontrak. contract employees.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
5. Kesehatan [POJK51-F.21] 5. Health [POJK51-F.21]
Untuk menjaga kesehatan dan mempertahankan produktivitas To maintain employees’ health and productivity, the Bank
karyawan, Bank menyediakan fasilitas kesehatan seperti provides health facilities such as inpatient, outpatient,
rawat inap, rawat jalan, persalinan, pembuatan kacamata, maternity, eyeglasses, dental care, and facilitates the
perawatan gigi, serta memfasilitasi kepesertaan karyawan participation of employees and their families in BPJS Health.
dan keluarganya dalam BPJS Kesehatan.
6. Kegiatan Internal 6. Internal Activities
Guna mempererat hubungan kerja dan membangun loyalitas To strengthen working relationships and build employee
karyawan, Bank menyelenggarakan kegiatan internal loyalty, the Bank conducts joint internal activities. Regular
bersama. Agenda rutin yang dilaksanakan di antaranya agendas carried out include visiting foundations to share on
mengunjungi yayasan untuk berbagi pada peringatan hari religious holidays, such as Eid al-Fitr or Christmas.
besar keagamaan, seperti Idul Fitri ataupun Natal.
7. Keselamatan Kerja [POJK51-F.21] 7. Occupational Safety [POJK51-F.21]
Bank melaksanakan inisiatif terkait keselamatan kerja agar The Bank implements initiatives related to occupational
karyawan merasa aman dan terhindar dari berbagai risiko safety so that employees feel safe and avoid various risks or
atau tindakan berbahaya. Inisiatif terkait keselamatan kerja dangerous actions. The safety-related initiatives implemented
yang diterapkan oleh Bank, yakni: by the Bank, namely:
a. Menyediakan apar powder sebagai alat pemadam darurat; a. Providing apar powder as an emergency extinguisher;
b. Menyediakan sprinkle dan hydrant pada instalasi gedung; b. Providing sprinkle and hydrant on building installations;
c. Menyediakan heat detector, smoke detector, dan fire c. Providing heat detector, smoke detector, and fire alarm as
alarm sebagai pengingat bahaya kebakaran; a fire hazard reminder;
d. Menyediakan speaker untuk mengumumkan keadaan d. Providing speaker to declare a state of emergency;
darurat;
e. Menyediakan informasi terkait penggunaan tangga darurat; e. Providing information regarding the use of emergency stairs;
f. Menyediakan pompa diesel dan pompa elektrik untuk f. Providing diesel pumps and electric pumps for water
kebutuhan air; serta needs; and
g. Melakukan pelatihan evakuasi bencana karyawan di g. Conducting employee disaster evacuation training at the
kantor pusat, kantor wilayah, dan kantor cabang. head office, regional offices, and branch offices.
Capaian Kegiatan Activity Achievements
Pada tahun 2023, Bank berhasil menjalankan inisiatif terkait In 2023, the Bank successfully implemented labor and OHS related
ketenagakerjaan dan K3 secara efektif, di antaranya: initiatives effectively, among others:
1. Terjaminnya kesehatan karyawan dan keluarga; serta 1. Ensuring the health of employees and their families; and
2. Tidak terjadinya kecelakaan kerja karyawan yang terjadi di 2. No occupational accidents occurring in the work environment
lingkungan kerja (zero accident). (zero accident).
Mekanisme Pengaduan Masalah Complaint Mechanism
Karyawan Bank dapat menyampaikan pengaduan terkait The Bank’s employees can submit complaints related to
ketenagakerjaan dengan tahapan sebagai berikut. employment in the following stages.
1. Bila karyawan memiliki keluhan, ketidakpuasan maupun 1. If employees have complaints, dissatisfaction, or problems
permasalahan antar karyawan dengan atasan maupun between employees and superiors or subordinates, they will
bawahan, akan diselesaikan secara musyawarah mufakat be resolved by deliberation to reach a consensus with their
dengan atasan langsung. immediate supervisor.
2. Apabila belum terdapat penyelesaian, maka karyawan dapat 2. If there is no settlement yet, the employee can forward it to a
meneruskan ke atasan yang lebih tinggi, yaitu membuat higher superior, by preparing a report to the Human Capital
laporan kepada Divisi Human Capital. Division.
3. Apabila seluruh usaha tersebut tidak didapat kesepakatan, 3. If an agreement is not reached after taking all these efforts,
maka penyelesaian dilakukan sesuai ketentuan perundang- the settlement will be carried out in accordance with the
undangan yang berlaku. provisions of the applicable laws and regulations.
4. Karyawan dapat melapor melalui WBS. Bank Ina telah memiliki 4. Employees can report through the WBS. Bank Ina already
sarana WBS untuk menampung pelaporan atas pelanggaran has a WBS channel to accommodate reports of violations
yang dilakukan oleh pihak internal. committed by internal parties.
Dalam 3 tahun terakhir, Bank Ina tidak menerima pengaduan In the last 3 years, Bank Ina has not received complaints related
terkait ketenagakerjaan. to employment.
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Hubungan yang Baik dengan Mitra Usaha Good Relations with Business Partners
Proses bisnis yang dijalankan oleh Bank tidak terlepas dari The business process carried out by the Bank is inseparable from
hubungan baik dengan para mitra usaha. Hal tersebut dilakukan good relations with business partners. This is done so that the
agar bisnis Bank berjalan dengan baik dan berkelanjutan, sehingga Bank’s business runs well and sustainably, so that it can provide
dapat menyediakan produk dan layanan yang baik dan berkualitas good and quality products and services to customers.
kepada nasabah.
Pemenuhan Kontrak Kerja Fulfillment of Work Contracts
Bank dan mitra usaha menjalankan kemitraan dengan mengacu The Bank and its business partners carry out partnerships by
pada kontrak kerja yang sah dan telah disepakati. Masing-masing referring to legal and agreed work contracts. Each party is
pihak saling berkomitmen untuk memenuhi seluruh kebijakan dan mutually committed to fulfilling all policies and conditions that
ketentuan yang berlaku di dalam kontrak kerja, serta mengedepankan apply in the work contract, as well as promoting a professional,
sikap profesional, transparan, dan bertanggung jawab. transparent, and responsible attitude.
Pengembangan Sosial dan Social and Community Development
Kemasyarakatan [POJK51-F.23] [POJK51-F.23]
Bank menyadari bahwa aktivitas bisnis yang dijalankan tidak The Bank realizes that its business activities are not just about
hanya sekedar memaksimalkan keuntungan internal. Lebih dari maximizing internal profits. More than that, Bank Ina must be
itu, Bank Ina harus mampu menyebar kebermanfaatan jangka able to spread long-term benefits to the community around
panjang kepada masyarakat di sekitar wilayah operasional, baik the operational area, both head office and branch office. This
kantor pusat ataupun kantor cabang. Komitmen tersebut sebagai commitment is one of the efforts to improve the welfare of the
salah satu upaya untuk meningkatkan kesejahteraan masyarakat surrounding community, both in social and economic aspects.
sekitar, baik dalam aspek sosial ataupun aspek ekonomi.
Pelaksanaan Inisiatif [POJK51-F.23] Implementation of the Initiative [POJK51-F.23]
Secara umum, pengelolaan usaha Bank tidak menimbulkan In general, the Bank’s business management does not have a
dampak negatif kepada masyarakat. Namun, kehadiran produk negative impact on the community. However, the presence of the
Bank dan pelaksanaan inisiatif pengembangan sosial dan Bank’s products and the implementation of social and community
kemasyarakatan dapat memberikan dampak positif serta manfaat development initiatives can have a positive impact and benefit the
bagi masyarakat umum. Adapun inisiatif yang diterapkan oleh general public. The initiatives implemented by Bank Ina related to
Bank Ina terkait pengembangan sosial dan kemasyarakatan, social and community development are described below.
diuraikan sebagai berikut.
1. Penggunaan Tenaga Kerja Lokal [POJK51-F.25] 1. Use of Local Workers [POJK51-F.25]
Komitmen penggunaan tenaga kerja lokal senantiasa dijaga The Bank’s commitment to using local labor is always maintained
oleh Bank untuk meningkatkan kesejahteraan masyarakat to improve the welfare of the surrounding community, especially
sekitar, terutama dalam aspek ekonomi. Pada tahun 2023, in the economic aspect. In 2023, 45% of the Bank’s employees
45% dari karyawan Bank berasal dari masyarakat lokal. was from local communities.
2. Edukasi dan Literasi Keuangan [POJK51-F.25] 2. Financial Education and Literacy [POJK51-F.25]
Pelaksanaan kegiatan edukasi dan literasi keuangan Bank Ina The implementation of Bank Ina’s financial education and
merujuk pada Peraturan Otoritas Jasa Keuangan No. 3 Tahun literacy activities refers to the Financial Services Authority
2023 tentang Peningkatan Literasi dan Inklusi Keuangan di Regulation No. 3 of 2023 on Improving Financial Literacy
Sektor Jasa Keuangan bagi Konsumen dan/atau Masyarakat. and Inclusion in the Financial Services Sector for Consumers
Selain itu, Bank diwajibkan untuk menyampaikan Laporan and/or the Public. In addition, the Bank is required to submit
Rencana dan Realisasi Literasi Keuangan melalui e-mail yang a Financial Literacy Plan and Realization Report via e-mail
ditujukan kepada Departemen Literasi, Inklusi Keuangan, dan addressed to the Department of Literacy, Financial Inclusion
Komunikasi Otoritas Jasa Keuangan. Rincian Laporan Literasi and Communication of the Financial Services Authority. Details
dan Inklusi Keuangan yang telah disampaikan Bank selama of the Financial Literacy and Inclusion Reports submitted by
tahun 2023, yakni: the Bank during 2023 were as follows:
a. Laporan Rencana Literasi Keuangan Tahun 2023 dan a. Financial Literacy Plan Report 2023 and Financial Literacy
Laporan Realisasi Literasi Keuangan Periode Triwulan I - Realization Report for Quarter I - 2023 with No. OJK/
2023 dengan No. OJK/DIR/166/0723; DIR/166/0723;
b. Laporan Realisasi Literasi Keuangan Periode Triwulan II - b. Financial Literacy Realization Report for Quarter II - 2023
2023 dengan No. OJK/DIR/180/0723; with No. OJK/DIR/180/0723;
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
c. Laporan Realisasi Literasi Keuangan Periode Triwulan III - c. Financial Literacy Realization Report for Quarter III - 2023
2023 dengan No. OJK/DIR/239/1023; dan with No. OJK/DIR/239/1023; and
d. Laporan Realisasi Literasi Keuangan Periode Triwulan IV - d. Financial Literacy Realization Report for Quarter IV - 2023
2023 dengan No. OJK/DIR/018/0124. with No. OJK/DIR/018/0124.
Pelaksanaan program edukasi dan literasi keuangan Bank The implementation of the Bank’s financial education and
sepanjang tahun 2023 diungkapkan sebagai berikut. literacy program throughout 2023 is disclosed as follows.
Program Edukasi dan Literasi Keuangan Lokasi Jumlah Peserta
Education and Literacy Programs location Total Participants
Edukasi Keuangan bagi Karyawan Swasta Jakarta Pusat
10
Financial Education for Private Employees Central Jakarta
Edukasi Keuangan bagi Karyawan Swasta Jakarta Utara
8
Financial Education for Private Employees North Jakarta
Edukasi Keuangan bagi Karyawan Swasta
Serang 10
Financial Education for Private Employees
Edukasi Keuangan bagi Karyawan Swasta Jakarta Selatan
2
Financial Education for Private Employees South Jakarta
Edukasi Keuangan bagi Karyawan Swasta Jakarta Selatan
5
Financial Education for Private Employees South Jakarta
Menuju Masyarakat Merdeka Finansial Jakarta Barat
6
Towards a Financially Independent Society West Jakarta
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Palu 45
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Denpasar 25
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Tangerang 42
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Bekasi 40
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Surabaya 35
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK) Jakarta Barat
17
Financial Education in Financial Inclusion Month (BIK) West Jakarta
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Semarang 16
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Medan 41
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Ambon 30
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Makassar 30
Financial Education in Financial Inclusion Month (BIK)
Edukasi Keuangan di Bulan Inklusi Keuangan (BIK)
Yogyakarta 143
Financial Education in Financial Inclusion Month (BIK)
Biaya yang dikeluarkan Bank untuk kegiatan edukasi dan The cost incurred by the Bank for financial education and literacy
literasi keuangan di tahun 2023 sebesar Rp80.000.000. activities in 2023 amounted to Rp80,000,000.
3. Layanan Keuangan Inklusif [POJK51-F.25] 3. Inclusive Financial Services [POJK51-F.25]
Layanan keuangan inklusif merupakan layanan yang Inclusive financial services are services provided by the Bank to
disediakan oleh Bank untuk mempermudah masyarakat dalam facilitate the community in gaining access to various quality
mendapatkan akses terhadap berbagai layanan keuangan formal financial services in a timely, smooth, and safe manner.
formal yang berkualitas secara tepat waktu, lancar, dan aman. In 2023, the Bank provided inclusive financial services through
Pada tahun 2023, Bank menyediakan layanan keuangan inklusif various products, such as Tabina Triple Untung Mass, Tabina
melalui berbagai produk, seperti Tabina Triple Untung Mass, Triple Untung Affluent, Tabina Triple Untung Arisan, Tabina
Tabina Triple Untung Affluent, Tabina Triple Untung Arisan, Berjangka Berhadiah, Tabina Green Untung, Tabina Combo,
Tabina Berjangka, Tabina Green Untung, Tabina Combo, Free Transaction Fee at ATM and Internet Banking and
Gratis Biaya Transaksi di ATM dan Internet Banking dan Mobile Mobile Banking (IBMB), Free Transaction Fee Internet Banking
Banking (IBMB), Gratis Biaya Transaksi Internet Banking Bisnis Business (IBB), QRIS Transaction Cashback, and Free BI-Fast
(IBB), Cashback Transaksi QRIS, serta Gratis Biaya BI-Fast. Fee.
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4. Program Pengembangan dan Pemberdayaan 4. Community Development and Empowerment Program
Masyarakat [POJK51-F.25] [POJK51-F.25]
Dalam 3 tahun terakhir, Bank Ina telah melaksanakan In the last 3 years, Bank Ina has implemented community
program pengembangan dan pemberdayaan masyarakat development and empowerment programs in the fields of
di bidang kesehatan, pendidikan, dan donasi lainnya yang health, education, and other donations which are described
diuraikan sebagai berikut. as follows.
Tahun Uraian
Year Description
Kesehatan / Health
2023 Pemberian 125 paket nutrisi untuk balita penderita stunting di wilayah Kecamatan Kosambi, Tangerang. Kegiatan dilaksanakan bekerja
sama dengan Indomaret dan bertujuan untuk membantu pemerintah dalam mengurangi angka stunting.
Providing 125 nutrition packages for toddlers with stunting in Kosambi Sub-District, Tangerang. The activity was carried out in collaboration
with Indomaret and aimed to assist the government in reducing stunting rates.
Pemberian 125 paket nutrisi untuk balita penderita stunting di wilayah Kelurahan Gandasari, Kecamatan Jatiuwung, Tangerang. Kegiatan
dilaksanakan bekerja sama dengan Indomaret dan bertujuan untuk membantu pemerintah dalam mengurangi angka stunting.
Providing 125 nutrition packages for toddlers with stunting in Gandasari Urban Village, Jatiuwung Sub-District, Tangerang. The activity
was carried out in collaboration with Indomaret and aimed to assist the government in reducing stunting rates.
2022 Pemberian bantuan alat kesehatan berupa alat fisioterapi kepada Wisma Lansia Harapan Asri yang berlokasi di Banyumanik, Semarang,
Jawa Tengah.
Provision of medical equipment assistance in the form of physiotherapy equipment to Wisma Lansia Harapan Asri located in Banyumanik,
Semarang, Central Java.
2021 Pemberian bantuan fasilitas vaksinasi Covid-19 kepada keluarga nasabah dan masyarakat umum untuk anak-anak berusia 12 tahun ke
atas dengan memberikan gratis kepada peserta vaksin.
Providing assistance with Covid-19 vaccination facilities to customers’ families and the general public for children aged 12 years and over
by providing free vaccines to vaccine’s participants.
Berpartisipasi dalam program vaksinasi yang diselenggarakan oleh Universitas Indonesia (UI) dengan memberikan vaksin gratis terbuka
untuk masyarakat umum (khususnya usia 12-60 tahun), mahasiswa UI, civitas UI, dan mahasiswa Universitas se-Jabodetabek.
Participating in vaccination program organized by Universitas Indonesia (UI) by providing free vaccines open to the general public
(especially aged 12-60 years), UI students, UI civitas, and university students throughout Jabodetabek.
Pendidikan / Education
2023 Pemberian dana beasiswa pada mahasiswa/mahasiswi Universitas Kristen Krida Wacana (Ukrida) di semester genap tahun ajaran 2022-2023.
Providing scholarship funds to Universitas Kristen Krida Wacana (Ukrida) students in the even semesters of 2022-2023.
2022 Pemberian dana beasiswa pada mahasiswa/mahasiswi Ukrida di semester ganjil dan genap tahun 2022.
Providing scholarship funds to Ukrida students in the odd and even semesters of 2022.
Berpartisipasi dalam Program Pengabdian kepada Masyarakat (PPM) yang diselenggarakan oleh STIE Jayakusuma, program ini bersifat
edukatif atau lebih kepada memberikan motivasi agar masyarakat dapat memanfaatkan potensi yang dimilikinya. Kegiatan ini dilaksanakan
di Kampung Kaliabang Dukuh Jaya, Bekasi Utara.
Participating in the Community Service Program (PPM) organized by STIE Jayakusuma, this program is educative or more to provide motivation so
that the community can take advantage of the potential. This activity was carried out in Kaliabang Dukuh Jaya Village, North Bekasi.
2021 Pemberian dana beasiswa pada mahasiswa/mahasiswi Ukrida di semester ganjil dan genap tahun 2021.
Providing scholarship funds to Ukrida students in the odd and even semesters of 2021.
Donasi Lainnya / Other Donations
2023 Pemberian santunan dan pembagian paket sembako dalam rangka memperingati Bulan Ramadhan 1444 H kepada Yayasan Pondok
Pesantren Assalafiyah Hidayatul Mubarokah di Kecamatan Cibinong, Kabupaten Bogor, Jawa Barat.
Providing compensation and distributing basic food packages in commemoration of Ramadhan 1444 H to Assalafiyah Hidayatul Mubarokah
Islamic Boarding School Foundation in Cibinong Sub-District, Bogor Regency, West Java.
Pemberian bantuan ke karyawan Bank yang terdampak banjir.
Providing assistance to Bank employees affected by flooding.
Pemberian santunan dan kenang-kenangan kepada Panti Asuhan Yayasan Murni Jaya di Kelurahan Semper Barat, Kecamatan Cilincing,
Jakarta Utara.
Providing compensation and mementos to Yayasan Murni Jaya Orphanage in West Semper Village, Cilincing Sub-District, North Jakarta.
Donasi Natal Bank Ina 2023.
Bank Ina Christmas donation 2023
2022 Pemberian bantuan sosial kepada Panti Asuhan Raudhotunnisa dalam bentuk santunan dan sembako untuk anak-anak yatim piatu yang
berlokasi di Cibinong, Bogor.
Providing social assistance to Raudhotunnisa Orphanage in the form of compensation and staple food packages for orphans located in
Cibinong, Bogor.
Pemberian bantuan sosial kepada Panti Asuhan Bhakti Luhur dalam bentuk santunan dan sembako untuk anak-anak yatim piatu yang
berlokasi di Pamulang, Tangerang Selatan.
Providing social assistance to Bhakti Luhur Orphanage in the form of compensation and staple food packages for orphans located in
Pamulang, South Tangerang.
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Tahun Uraian
Year Description
Pemberian bantuan sosial kepada Yayasan Puteri Kasih “Rumah Kerang” dalam bentuk santunan dan sembako untuk anak-anak yatim
piatu yang berlokasi di Cilincing, Jakarta Utara.
Providing social assistance to Puteri Kasih Foundation “Rumah Kerang” in the form of compensation and staple food packages for orphans
located in Cilincing, North Jakarta.
2021 Pemberian bantuan untuk korban gempa Sulawesi, banjir Kalimantan, longsor Sumedang, serta letusan Semeru dan Merapi dalam
Program IJK Peduli.
Providing assistance to victims of Sulawesi earthquake, Kalimantan flood, Sumedang landslide, and Semeru and Merapi eruptions in IJK
Cares Program.
Pemberian santunan untuk karyawan Bank Ina yang terkena banjir.
Provision of compensation for Bank Ina’s employees affected by floods.
Pemberian bantuan untuk bencana di Indonesia dalam program IJK Peduli Bencana, khususnya bencana di Nusa Tenggara Timur.
Providing assistance for disasters in Indonesia in IJK Cares for Disasters program, especially for the disaster in East Nusa Tenggara.
Pemberian bantuan kepada Panti Asuhan Assalafiyah Hidayatul Mubarokh Cilodong Bogor dan Panti Asuhan Al Mardhiyah Depok dalam
bentuk sembako dan perlengkapan sekolah seperti tas dan alat tulis.
Giving aid to Assalafiyah Hidayatul Mubarok Orphanage, Cilodong Bogor, and Al Mardhiyah Orphanage, Depok, in the form of basic food
and school supplies such as bags and stationery.
Pemberian bantuan untuk korban bencana Gunung Semeru dalam program IJK Peduli Bencana.
Providing assistance to victims of Mount Semeru disaster in IJK Care for Disasters program.
Pemberian santunan dalam rangka perayaan Natal kepada penyandang difabel tahun 2021.
Providing compensation in the context of Christmas celebrations for persons with disabilities in 2021.
Biaya yang dikeluarkan Bank untuk program pengembangan dan The costs incurred by the Bank for community development and
pemberdayaan masyarakat diungkapkan sebagai berikut. empowerment programs are expressed as follows.
2023 2022 2021
Rp
213.958.850 Rp
206.966.905 Rp
317.163.270
Capaian Kegiatan [POJK51-F.23] Activity Achievements [POJK51-F.23]
Pada tahun 2023, Bank telah melaksanakan kegiatan In 2023, the Bank carried out social and community development
pengembangan sosial dan kemasyarakatan dengan capaian activities with the following achievements:
sebagai berikut:
1. Bagi Bank 1. For the Bank
a. Mendapatkan kepercayaan dari masyarakat; a. Gaining public trust;
b. Memperoleh perspektif positif dari masyarakat; b. Obtaining a positive perspective from the community;
c. Meningkatkan reputasi Bank; serta c. Improving the Bank’s reputation; and
d. Hubungan dengan masyarakat dan pemangku d. Closer relationship with the community and other
kepentingan lainnya menjadi lebih erat. stakeholders.
2. Bagi Masyarakat 2. For the Community
a. Meningkatnya taraf hidup; a. Increased standard of living;
b. Meningkatnya kesejahteraan; b. Increased welfare;
c. Mempunyai keterampilan dalam pengelolaan keuangan; c. Have skills in financial management;
d. Fasilitas umum terjamin pemeliharaannya; serta d. Guaranteed maintenance of public facilities; and
e. Mengurangi tingkat pengangguran melalui kesempatan e. Reduced unemployment rate through employment
kerja yang diutamakan untuk tenaga kerja lokal. opportunities that are prioritized for local workers.
Sarana Pengaduan Masalah Pengembangan Complaint Channel for Social and Community
Sosial dan Kemasyarakatan [POJK51-F.24] Development Problems [POJK51-F.24]
Bank menyediakan sarana pengaduan terkait pelaksanaan The Bank provides a complaint channel related to the
kegiatan pengembangan sosial dan kemasyarakatan melalui implementation of social and community development activities
e-mail, call center, ataupun dapat disampaikan langsung melalui through e-mail, call center, or can be submitted directly to Bank
kantor cabang Bank Ina. Pengaduan yang telah diterima akan Ina’s branch office. Complaints received will be processed and
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344 Laporan Tahunan 2023
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diproses dan ditindaklanjuti dengan profesional dan transparan. followed up in a professional and transparent manner. During the
Selama 3 tahun terakhir, Bank tidak menerima pengaduan last 3 years, the Bank has not received any complaints regarding
mengenai kegiatan pengembangan sosial dan kemasyarakatan the social and community development activities.
yang telah dilaksanakan.
Kepedulian terhadap Nasabah serta Concern for Customers and Development
Pengembangan Produk dan Layanan of Products and Services
Komitmen Commitment
Aktivitas operasional yang dijalankan oleh Bank Ina sangat The operational activities carried out by Bank Ina are highly
bergantung dalam mempertahankan kepercayaan dan kepuasan dependent on maintaining customer trust and satisfaction.
nasabah. Oleh karena itu, Bank terus berupaya memberikan Therefore, the Bank continues to strive to provide the best service,
pelayanan terbaik, layanan setara, aman, mudah dijangkau, dan equal service, safe, accessible, and trustworthy. [POJK51-F.17]
dapat dipercaya. [POJK51-F.17]
Pelaksanaan Inisiatif Implementation of the Initiative
Inisiatif yang dilaksanakan oleh Bank Ina terkait nasabah diuraikan The initiatives implemented by Bank Ina in relation to customers
sebagai berikut. are outlined below.
1. Penyampaian Informasi Produk 1. Delivery of Product Information
Bank menyampaikan informasi terkait produk dan layanan The Bank provides information on the latest products and
terbaru melalui situs web, media sosial, serta brosur yang services through its website, social media, and brochures
tersedia di setiap kantor cabang. available at each branch office.
2. Peningkatan Kualitas Layanan 2. Service Quality Improvement
Bank meningkatkan dan mengembangkan layanan Internet The Bank enhances and develops Internet Banking and Mobile
Banking dan Mobile Banking untuk memenuhi kebutuhan Banking services to meet the needs of digital-based customers
nasabah yang berbasis digital secara berkelanjutan sesuai on an ongoing basis in accordance with the latest trends and
dengan tren dan kebutuhan terkini. needs.
3. Keamanan Simpanan Nasabah 3. Customer Deposit Security
Bank bergabung dengan Lembaga Penjamin Simpanan (LPS) The Bank joins the Deposit Insurance Corporation (LPS)
untuk menjamin keamanan simpanan nasabah. Dengan to ensure the safety of customer deposits. By becoming a
menjadi peserta LPS, Bank memindahkan sebagian risiko dan participant of LPS, the Bank transfers part of the risk and
memberikan kepastian kepada nasabah mengenai keamanan provides assurance to customers regarding the safety of
simpanan dalam situasi di luar kendali Bank. deposits in situations beyond the Bank’s control.
4. Kerahasiaan Data Nasabah 4. Confidentiality of Customer Data
Bank menjalankan aktivitas bisnis yang membutuhkan data The Bank carries out business activities that require complete
dan informasi nasabah secara lengkap dan rinci. Untuk and detailed customer data and information. To maintain
menjaga kepercayaan nasabah terhadap data yang diberikan, customer trust in the data provided, the Bank is committed
Bank berkomitmen menerapkan peraturan terkait kerahasiaan to implementing regulations related to the confidentiality of
data nasabah, terdiri dari: customer data, onsisting of:
a. Undang-Undang No. 7 Tahun 1992 tentang Perbankan, a. Law No. 7 of 1992 on Banking, and its amendments in
serta perubahannya dalam Undang-Undang No. 10 Tahun Law No. 10 of 1998;
1998;
b. Undang-Undang No. 4 Tahun 2023 tentang b. Law No. 4 of 2023 on Development and Strengthening of
Pengembangan dan Penguatan Sektor Keuangan; Financial Sector;
c. Undang-Undang No. 27 tahun 2022 tentang Perlindungan c. Law No. 27 of 2022 on Personal Data Protection;
Data Pribadi; d. Financial Services Authority Regulation No. 22 of 2023
d. Peraturan Otoritas Jasa Keuangan No. 22 tahun 2023 on Consumer and Community Protection in the Financial
tentang Perlindungan Konsumen dan Masyarakat di Services Sector;
Sektor Jasa Keuangan;
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
e. Peraturan Bank Indonesia No. 2/19/PBI/2000 tentang e. Bank Indonesia Regulation No. 2/19/PBI/2000 on
Persyaratan dan Tata Cara Pemberian Perintah atau Izin Requirements and Procedures for Granting Written
Tertulis Membuka Rahasia Bank; serta Orders or Permits to Open Bank Secrets; and
f. Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 f. Financial Services Authority Regulation
tentang Perlindungan Konsumen Sektor Jasa, serta No. 1/POJK.07/2013 on Consumer Protection in the
peraturan turunannya. Service Sector, and its derivative regulations.
Berdasarkan peraturan tersebut, Bank wajib merahasiakan Based on these regulations, the Bank is obliged to keep
keterangan mengenai nasabah dengan batas dan information about customers confidential with the following
pengecualian sebagai berikut: limits and exceptions:
a. Untuk kepentingan perpajakan, Pimpinan Bank Indonesia a. For tax purposes, the Management of Bank Indonesia at
atas permintaan Menteri Keuangan berwenang the request of the Minister of Finance has the authority
mengeluarkan perintah tertulis kepada Bank agar to issue written orders to Banks to provide information
memberikan keterangan dan memperlihatkan bukti-bukti and show written evidence and documents concerning
tertulis serta surat-surat mengenai keadaan keuangan the financial condition of certain depositors to tax officials
nasabah penyimpan tertentu kepada pejabat pajak (Article 41 paragraph 1 of Banking Law);
(Undang-Undang Perbankan Pasal 41 ayat 1);
b. Untuk penyelesaian piutang Bank yang sudah diserahkan b. For settlement of Bank receivables that have been
kepada Badan Urusan Piutang dan Lelang Negara/ submitted to the State Receivables and Auctions Agency/
Panitia Urusan Piutang Negara, Pimpinan Bank Indonesia Committee for State Receivables Affairs, the Management
memberikan izin kepada pejabat Badan Urusan Piutang of Bank Indonesia gives permission to officials of the
dan Lelang Negara/Panitia Urusan Piutang Negara untuk State Receivables and Auctions Agency/Committee for
memperoleh keterangan mengenai simpanan nasabah State Receivables Affairs to obtain information regarding
debitur (Undang-Undang Perbankan Pasal 41A ayat 1); debtors’ deposits (Article 41A paragraph 1 of Banking
Law);
c. Untuk kepentingan peradilan dalam perkara pidana, c. For the purposes of criminal cases, the Management
Pimpinan Bank Indonesia dapat memberikan izin kepada of Bank Indonesia may grant permission to the Police,
Polisi, Jaksa, atau Hakim untuk memperoleh keterangan Prosecutors, or Judges to obtain information from the
dari Bank mengenai simpanan tersangka atau terdakwa Bank regarding the deposits of a suspect or defendant at
pada Bank (Undang-Undang Perbankan Pasal 42A ayat 1); the Bank (Article 42A paragraph 1 of Banking Law);
d. Dalam perkara perdata antara Bank dengan nasabahnya, d. In civil cases between the Bank and its customer, the
Direksi Bank yang bersangkutan dapat menginformasikan Board of Directors of the relevant Bank can inform
kepada pengadilan tentang keadaan keuangan nasabah the court about the financial condition of the relevant
yang bersangkutan dan memberikan keterangan lain customer and provide other information relevant to the
yang relevan dengan perkara tersebut (Undang-Undang case (Article 43 of Banking Law);
Perbankan Pasal 43);
e. Dalam rangka tukar-menukar informasi antar Bank, e. In the framework of exchanging information between
Direksi Bank dapat memberitahukan keadaan keuangan Banks, the Bank’s Board of Directors may notify the
nasabahnya kepada bank lain (Undang-Undang financial condition of their customers to other banks
Perbankan Pasal 44); (Article 44 of Banking Law);
f. Atas permintaan, persetujuan, atau kuasa dari nasabah f. Upon a request, agreement, or authorization from
penyimpan yang dibuat secara tertulis, Bank wajib the depositor made in writing, the Bank must provide
memberikan keterangan mengenai simpanan nasabah information about the depositor’s savings to the party
penyimpan pada pihak yang ditunjuk oleh nasabah designated by the depositor (Article 44A paragraph 1 of
penyimpan tersebut (Undang-Undang Perbankan Pasal Banking Law); and
44A ayat 1); serta
g. Dalam hal nasabah penyimpan telah meninggal dunia, g. In the event that a depositing customer has passed away,
ahli waris yang sah dari nasabah penyimpan yang the legal heirs of the relevant depositor are entitled
bersangkutan berhak memperoleh keterangan mengenai to obtain information regarding the deposits of said
simpanan nasabah penyimpan tersebut (Undang-Undang depositing customer (Article 44A paragraph 2 of Banking
Perbankan Pasal 44A ayat 2). Law).
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5. Program Engagement Nasabah 5. Customer Engagement Program
Salah satu upaya Bank dalam mempererat hubungan dan One of the Bank’s efforts to strengthen relationships and
menjaga loyalitas nasabah adalah dengan melaksanakan maintain customer loyalty is by implementing customer
program engagement nasabah, sebagai berikut: engagement programs, as follows:
a. Gratis 20 kali biaya transaksi untuk tarik tunai a. Free transaction fee 20 times for cash withdrawals
menggunakan kartu ATM Bank Ina di ATM bank lain, dan using Bank Ina’s ATM card at another bank’s ATM, and
transaksi transfer, pembayaran dan pembelian melalui for transfer, payment, and purchase made via Internet
Internet Banking Business dan Mobile Banking Bank Ina; Banking Business and Mobile Banking of Bank Ina;
b. Pemberian cashback untuk periode tertentu, jika nasabah b. Giving cashback for a certain period, if the customer
melakukan transaksi minimal 1 kali per bulan melalui makes a transaction at least 1 time per month via Bank
e-channel Bank Ina; Ina’s e-channel;
c. Gratis biaya transfer online melalui Internet Banking c. Free online transfer fees through Bank Ina’s Internet
Business Bank Ina; Banking Business;
d. Cashback 50% (maksimal Rp5.000,-) untuk transaksi QRIS d. Cashback 50% (maximum Rp5,000) for QRIS transactions
melalui Mobile Banking Bank Ina. Maksimum cashback via Bank Ina’s Mobile Banking. Maximum cashback is
diberikan sebanyak 3 kali transaksi per nasabah setiap bulan; given for 3 transactions per customer per month;
e. Gratis biaya transfer BI-FAST melalui Internet Banking e. Free BI-FAST transfer fee via Internet Banking Business
Business dan Mobile Banking, serta kantor cabang Bank Ina; and Mobile Banking, as well as Bank Ina’s branch offices;
f. Loyalti Program untuk nasabah prime dengan pemberian f. Loyalty Program for prime customers by giving Birthday/
bingkisan HUT/Hari Raya; Festive Holiday gifts;
g. Program tabungan berjangka dengan jenis hadiah g. Term savings program with types of prizes of smartwatch,
smartwatch, gadget dan hadiah cashback, di mana nasabah gadgets, and cashback gifts, where the customer deposits
melakukan penyetoran dana pada awal pembukaan funds at the beginning of opening an account and a
rekening dan sejumlah dana tertentu setiap bulannya sampai certain amount of funds every month until the end of the
dengan berakhirnya periode waktu yang telah dipilih; serta selected time period; and
h. Peluncuran Poin Bina (powered by OttoPoint) sebagai h. Bina Point Launch (powered by OttoPoint) as a loyalty
loyalti program bagi para nasabah dengan pemberian program for customers with reward for purchases and
reward atas transaksi pembelian maupun pembayaran payments made through Bank Ina’s Mobile Banking and
yang dilakukan melalui Mobile Banking Bank Ina dan Bank Ina’s GPN Debit ATM Card at the EDC Machine.
transaksi Kartu ATM Debit GPN Bank Ina di Mesin EDC. These points can be exchanged for coupons/voucher of
Poin ini dapat ditukarkan dengan kupon/voucher barang/ goods/services through OttoPoint e-catalogue.
jasa melalui e-catalogue OttoPoint.
6. Pengembangan Produk dan Layanan [POJK51-F.26] 6. Product and Service Development [POJK51-F.26]
Pengembangan produk dan layanan secara konsisten Product and service development is consistently carried out
dilakukan oleh Bank untuk menyesuaikan perkembangan by the Bank to adjust to the latest business developments,
bisnis terkini, terutama penggunaan layanan digital yang especially the use of digital services that are increasingly used
semakin intens digunakan oleh para nasabah. Pada tahun by customers. In 2023, Bank Ina developed and innovated
2023, Bank Ina telah melakukan pengembangan dan inovasi products and services, as follows.
produk dan layanan, sebagai berikut.
a. Mengembangkan tabungan, giro, dan deposito untuk a. Developing savings, current accounts, and deposits
eksportir yang ditujukan khusus untuk menerima devisa for exporters specifically intended to receive foreign
hasil ekspor sumber daya alam (DHE SDA). exchange from natural resource exports (DHE SDA).
b. Meluncurkan Layanan Digital berupa produk Aplikasi Bina, b. Launching Digital Services in the form of Bina Application
Pinjaman Digital Bina (modal usaha untuk UMKM dan products, Bina Digital Loan (business capital for MSMEs and
penyaluran melalui Loan Channeling), dan Agen Bina (layanan distribution through Loan Channeling), and Bina Agent
keuangan tanpa kantor dalam rangka inklusif keuangan). (office-less financial services in the context of financial
inclusion).
7. Evaluasi Produk dan Layanan [POJK51-F.27] [POJK51-F.29] 7. Product and Service Evaluation [POJK51-F.27] [POJK51-F.29]
Sebelum disampaikan kepada nasabah, produk dan layanan Before being delivered to customers, the Bank’s products and
Bank telah mendapat izin dari Bank Indonesia. Bank terus services have been authorized by Bank Indonesia. The Bank
melakukan tinjauan ulang dan evaluasi sebagai salah satu continues to conduct reviews and evaluations as a form of risk
PT Bank Ina Perdana Tbk
2023 Annual Report 347
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
bentuk mitigasi risiko terhadap penerbitan produk dan mitigation for the issuance of new products and services. The
layanan baru. Prosedur tinjauan ulang dan evaluasi dijalankan review and evaluation procedure is carried out to ensure that
untuk memastikan proses peluncuran produk dan layanan the product and service launch process has been implemented
telah diterapkan sesuai dengan pengajuan usulan yang in accordance with the proposal approved by management
disetujui oleh manajemen dan memastikan seluruh produk and to ensure that all new products and services are safe for
dan layanan baru aman bagi nasabah. customers.
Pada tahun 2023, seluruh (100%) produk dan layanan Bank In 2023, all (100%) of the Bank’s products and services were
telah dievaluasi. Selain itu, dari hasil tinjauan ulang dan evaluated. In addition, from the results of periodic reviews
evaluasi yang dilakukan secara berkala tersebut, hingga akhir and evaluations, at the end of 2023, the Bank ensured that
tahun 2023, Bank memastikan tidak ada produk dan/atau there were no products and/or financial services of the Bank
jasa keuangan Bank yang dinyatakan bermasalah dan harus that were declared problematic and had to be withdrawn by
ditarik kembali oleh Bank Indonesia. Bank Indonesia.
8. Manfaat dari Produk dan Layanan yang Diberikan 8. Benefits of Products and Services Provided [POJK51-F.28]
[POJK51-F.28]
Bank hadir untuk mendukung kebutuhan transaksi ekonomi The Bank is here to support the economic transaction needs
nasabah individu dan korporasi melalui berbagai produk dan of individual and corporate customers through various
layanan keuangan. Namun demikian, produk dan layanan Bank financial products and services. However, the Bank’s products
juga berpotensi menimbulkan risiko sosial dan risiko lingkungan and services also pose potential social and environmental
hidup terkait penyaluran kredit. Risiko sosial mencakup risks related to lending. Social risks include the potential
potensi tenaga kerja di bawah umur, upah di bawah standar, for underage labor, substandard wages, and human rights
dan pelanggaran hak asasi manusia dalam industri padat violations in labor-intensive industries. To address this, the
karya. Untuk mengatasi ini, Bank menerapkan persyaratan Bank applies strict credit terms and increases field supervision.
kredit ketat dan meningkatkan pengawasan lapangan. For environmental risks, the Bank identifies the potential
Untuk risiko lingkungan hidup, Bank mengidentifikasi adanya for excessive natural resource extraction and environmental
potensi pengambilan sumber daya alam yang berlebihan dan degradation. All of these risks pose a threat to environmental
kerusakan lingkungan. Semua risiko ini merupakan ancaman sustainability for financing in business sectors that have direct
kelestarian lingkungan pada pembiayaan di sektor usaha yang contact with the environment. Therefore, the Bank requires
bersinggungan langsung dengan lingkungan. Oleh karenanya, EIA documents for (prospective) borrowers as a condition of
Bank mensyaratkan dokumen AMDAL bagi (calon) debitur credit application.
sebagai syarat pengajuan kredit.
Capaian Kegiatan Activity Achievements
Pada tahun 2023, Bank telah melaksanakan inisiatif terkait In 2023, the Bank implemented customer-related initiatives with
nasabah dengan capaian sebagai berikut. the following achievements.
1. Bagi Bank 1. For the Bank
Efektivitas penanganan pengaduan nasabah memberikan The effectiveness of handling customer complaints has an
dampak pada tingkat kepercayaan nasabah terhadap Bank. impact on the level of customer trust in the Bank. This can be
Hal ini terlihat pada meningkatnya jumlah nasabah, baik seen in the increasing number of customers, both financing
nasabah pembiayaan maupun pendanaan. and funding customers.
2. Bagi Pemangku Kepentingan, termasuk Pemegang Saham 2. For Stakeholders, including Shareholders
Meningkatnya kepuasan dan kenyamanan bertransaksi di Increased satisfaction and convenience of transactions at
Bank Ina. Hal tersebut dibuktikan dengan tingkat kepuasan Bank Ina. This is evidenced by the increased level of customer
nasabah yang meningkat. satisfaction.
Sarana Pengaduan Masalah Nasabah Complaint Channel for Customer Problem
Bank menyediakan sarana pengaduan terkait masalah nasabah The Bank provides a complaint channel related to customer issues
melalui e-mail, call center, situs web bank, dan media sosial Bank through e-mail, call center, Bank website, and Bank Ina’s social
Ina. Pengaduan yang diterima akan diproses dan ditindaklanjuti media. Complaints received will be processed and followed up
dengan profesional dan bertanggung jawab. professionally and responsibly.
PT Bank Ina Perdana Tbk
348 Laporan Tahunan 2023
Page 351
Laporan Pengaduan Complaint Report
Laporan pengaduan terkait nasabah Bank selama tahun 2023 Complaint reports related to the Bank’s customers during 2023
diungkapkan pada tabel berikut. are disclosed in the following table.
Selesai Dalam Proses Tidak Selesai Jumlah
Jenis Transaksi Keuangan Completed On Process Not Completed Pengaduan
Types of Financial
Jumlah Jumlah Jumlah Number of
Transactions % % %
Total Total Total Complaints
Kartu ATM/Debit/Mesin ATM
237 97,93 5 2,07 - - 242
ATM/Debit Card/ATM Machine
Electronic Banking 546 99,64 2 0,36 - - 548
Sistem Pembayaran lainnya
1 100,00 - 0,00 - - 1
Other Payment Systems
Total 784 99,12 7 0,88 - - 791
Survei Kepuasan Nasabah [POJK51-F.30] Customer Satisfaction Survey [POJK51-F.30]
Bank melalui survei kepuasan nasabah berusaha untuk mengukur Through customer satisfaction surveys, the Bank seeks to measure
dan mengetahui loyalitas dan advokasi nasabah terhadap produk and determine customer loyalty and advocacy towards the
dan layanan yang diberikan. Hasil survei tersebut dilakukan products and services provided. The survey results are conducted
melalui kuesioner yang kemudian dijadikan sebagai dasar untuk through questionnaires which are then used as a basis for
mengembangkan dan meningkatkan produk dan layanan Bank di developing and improving the Bank’s products and services in the
masa mendatang. future.
Kepedulian terhadap Lingkungan Hidup
Concern for the Environment
Komitmen Commitment
Proses bisnis yang dijalankan Bank Ina tidak berhubungan Bank Ina’s business processes are not significantly related to the
secara signifikan terhadap lingkungan hidup. Akan tetapi, Bank environment. However, the Bank is committed to contributing
berkomitmen untuk berkontribusi menjaga dan melestarikan to protecting and preserving the environment by implementing
lingkungan hidup dengan menerapkan berbagai inisiatif terkait various environmental initiatives within the Bank consistently and
lingkungan di internal Bank secara konsisten dan berkelanjutan. sustainably.
Pelaksanaan Inisiatif Implementation of the Initiative
Inisiatif yang diterapkan oleh Bank Ina terkait lingkungan hidup, The initiatives implemented by Bank Ina in relation to the
dipaparkan sebagai berikut. environment are described below.
1. Produk Kegiatan Usaha Berkelanjutan [POJK51-F.3] 1. Sustainable Business Activity Products [POJK51-F.3]
Bank mendukung pembiayaan kepada debitur yang The Bank supports financing to debtors whose business
menjalankan kegiatan usahanya mengutamakan penerapan activities prioritize the implementation of sustainable
prinsip berkelanjutan. Hal tersebut diterapkan dengan principles. This is implemented with a policy for debtors and
adanya kebijakan bagi debitur dan calon debitur untuk prospective debtors to have and report a copy of AMDAL
memiliki dan melaporkan salinan dokumen AMDAL sebagai document as a condition for approval of the credit application.
syarat disetujuinya pengajuan kredit.
PT Bank Ina Perdana Tbk
2023 Annual Report 349
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Selama 3 tahun terakhir, Bank telah memberikan pembiayaan Over the past 3 years, the Bank has provided financing to
kepada debitur yang menjalankan kegiatan usaha debtors who carry out sustainable business activities as
berkelanjutan sebagai berikut. follows.
Produk Kegiatan Usaha Berkelanjutan
Sustainable Business Activity Products
2023 2022 2021
Produk yang Memenuhi
Kriteria Kegiatan Usaha Nominal Nominal Nominal
Target
Berkelanjutan (jutaan (jutaan (jutaan
(jutaan
Rupiah) Rupiah) Rupiah)
Products that Meet the Rupiah) Account Account Account
Criteria for Sustainable Nominal Nominal Nominal
(million
Business Activities (million (million (million
Rupiah)
Rupiah) Rupiah) Rupiah)
Penghimpunan Dana
6.500 2.447 6.059 3.063 6.148 4.219 6.911
Funding
Penyaluran Dana
11.743.957 7.435 12.677.186 6.509 3.427.435 4.502 978.012
Lending
Aset Produktif Kegiatan Usaha Berkelanjutan
Earning Assets of Sustainable Business Activities
2023 2022 2021
Total Aset Produktif
Kriteria Kegiatan Usaha Nominal Nominal
Target Target
Berkelanjutan (jutaan (jutaan
(jutaan (jutaan
Rupiah) Rupiah)
Total Earning Assets, Rupiah) % Rupiah) % %
Criteria for Sustainable Nominal Nominal
(million (million
Business Activities (million (million
Rupiah) Rupiah)
Rupiah) Rupiah)
Total Kredit/Pembiayaan
Kegiatan Usaha Berkelanjutan
5.293.294 4.268.348 80,64 3.401.435 34,89 978.012 26,37
Total Credit/Financing for
Sustainable Business Activities
Total Non-Kredit/Pembiayaan
Kegiatan Usaha Berkelanjutan
6.450.663 8.408.838 130,36 6.347.810 65,11 2.731.322 73,63
Total Non-Credit/Financing for
Sustainable Business Activities
Total Kredit
11.743.957 12.677.186 107,95 9.749.245 100,00 3.709.334 100,00
Total Credit
Aset Produktif berdasarkan Kategori Kegiatan Usaha Berkelanjutan
Earning Assets by Category of Sustainable Business Activities
2023 2022 2021
Kategori Kegiatan Usaha Nominal Nominal Nominal
NPL/Total NPL/Total NPL/Total
Berkelanjutan (jutaan (jutaan (jutaan
Kredit Kredit Kredit
Rupiah) Rupiah) Rupiah)
Sustainable Business NPL/Total NPL/Total NPL/Total
Activities Category Nominal Nominal Nominal
Credit Credit Credit
(million (million (million
(%) (%) (%)
Rupiah) Rupiah) Rupiah)
Energi Terbarukan
- - - - - -
Renewable Energy
Efisiensi Energi
161.535 0,00 - - - -
Energy Efficiency
Pencegahan dan Pengendalian
Polusi
35.445 0,00 - - - -
Pollution Prevention and
Control
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350 Laporan Tahunan 2023
Page 353
2023 2022 2021
Kategori Kegiatan Usaha Nominal Nominal Nominal
NPL/Total NPL/Total NPL/Total
Berkelanjutan (jutaan (jutaan (jutaan
Kredit Kredit Kredit
Rupiah) Rupiah) Rupiah)
Sustainable Business NPL/Total NPL/Total NPL/Total
Activities Category Nominal Nominal Nominal
Credit Credit Credit
(million (million (million
(%) (%) (%)
Rupiah) Rupiah) Rupiah)
Pengelolaan Sumber Daya
Alam Hayati dan Penggunaan
Lahan Berkelanjutan
566.538 0,00 213.245 0,00 120.792 6,00
Management of Biological
Natural Resources and
Sustainable Land Use
Konservasi Keanekaragaman
Hayati Darat dan Air
31.691 0,00 33.481 0,00 - -
Conservation of Land and
Water Biodiversity
Transportasi Ramah Lingkungan
Environmentally Friendly 15.258 0,00 - - - -
Transportation
Pengelolaan Air dan Limbah
Air yang Berkelanjutan
79.767 0,00 - - 74.364 0,00
Sustainable Management of
Water and Wastewater
Adaptasi Perubahan Iklim
- - - - - -
Climate Change Adaptation
Produk yang dapat
Mengurangi Sumber Daya dan
Menghasilkan Lebih Sedikit
Polusi (Eco-efficient) 461.146 0,00 196.134 0,09 - -
Products that Reduce
Resources and Generate Less
Pollution (Eco-efficient)
Bangunan Berwawasan
Lingkungan yang Memenuhi
Standar atau Sertifikasi yang
Diakui secara Nasional,
Regional, atau Internasional
645.424 0,00 758.358 0,00 106.640 0,00
Environmentally Friendly
Buildings that Meet Standards
or Certifications that are
Nationally, Regionally, or
Internationally Recognized
Kegiatan Usaha dan/atau
Kegiatan Lain yang Berwawasan
Lingkungan Lainnya
- - 151.268 0,00 48.124 0,00
Other Environmentally Friendly
Business Activities and/or
Activities
Kegiatan UMKM
2.271.539 0,00 2.048.949 0,30 628.092 0,15
MSME Activities
Total Kredit Keuangan
Berkelanjutan
4.268.348 0,00 3.401.435 0,39 978.012 0,15
Total Sustainable Finance
Credit
2. Material Ramah Lingkungan [POJK51-F.5] 2. Environmentally Friendly Materials [POJK51-F.5]
Dalam rangka menjaga kelestarian lingkungan hidup, Bank To preserve the environment, the Bank has gradually shifted
secara bertahap beralih menggunakan material yang ramah to using environmentally friendly materials. One of them is
lingkungan. Salah satunya dengan menggunakan kertas hout by using hout vrij schrift (HVS) paper that has been certified
vrij schrift (HVS) yang telah memiliki sertifikasi Programme by the Program for the Endorsement of Forest Certification
for the Endorsement of Forest Certification (PEFC) untuk (PEFC) to print documents. The certification shows that
mencetak dokumen. Sertifikasi tersebut menunjukkan the paper produced comes from environmentally friendly
bahwa kertas yang diproduksi berasal dari material ramah materials, namely wood fiber obtained from forests with good
PT Bank Ina Perdana Tbk
2023 Annual Report 351
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Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
lingkungan, yaitu serat kayu yang diperoleh dari hutan dengan management. In addition, the Bank implements policies to
pengelolaan yang baik. Selain itu, Bank menerapkan kebijakan reduce the use of plastic products, avoid the use of styrofoam,
untuk mengurangi penggunaan produk berbahan plastik, and use energy-efficient electronic devices.
menghindari pemakaian styrofoam, serta menggunakan
perangkat elektronik yang hemat energi.
3. Penggunaan Energi [POJK51-F.6] [POJK51-F.7] 3. Energy Use [POJK51-F.6] [POJK51-F.7]
Sumber energi untuk mendukung aktivitas operasional Bank Energy sources to support the Bank’s operational activities
berasal dari listrik dan bahan bakar minyak (BBM) serta belum come from electricity and fuel oil (BBM) and have not used
menggunakan energi terbarukan. Pasokan listrik didapatkan renewable energy. Electricity supply is obtained from the State
dari Perusahaan Listrik Negara (PT PLN) untuk menyalakan Electricity Company (PT PLN) to power electronic devices, air
perangkat elektronik, pendingin ruangan (air conditioner/ conditioners (AC), lighting, and operate elevators. Meanwhile,
AC), penerangan, dan mengoperasikan lift. Sedangkan BBM, fuel is obtained by buying directly from the nearest Public Fuel
didapatkan dengan membeli langsung dari Stasiun Pengisian Filling Station (SPBU) for the purposes of fueling operational
Bahan Bakar Umum (SPBU) terdekat untuk keperluan bahan vehicles and generators.
bakar kendaraan operasional dan genset.
Dalam 3 tahun terakhir, Bank telah menghitung biaya In the past 3 years, the Bank has calculated the cost of energy
penggunaan energi sebagai berikut. use as follows.
Satuan
Uraian 2023 2022 2021 Descriptions
Unit
Biaya Penggunaan Energi Energy Usage Cost
jutaan Rupiah
Listrik 2.047 1.879 1.352 Electricity
million Rupiah
jutaan Rupiah
BBM 2.165 1.672 1.279 Fuel
million Rupiah
jutaan Rupiah
Total 4.212 3.551 2.631 Total
million Rupiah
Efisiensi Biaya Penggunaan jutaan Rupiah
(661) (920) (162) Energy Usage Cost Efficiency
Energi million Rupiah
Di samping menggunakan energi, Bank juga melakukan In addition to using energy, the Bank also undertakes
inisiatif untuk menghemat energi, di antaranya menggunakan initiatives to save energy, including using LED lights, Inverter
lampu jenis LED, AC Inverter di seluruh kantor, mengatur air conditioners in all offices, regulating the use of electronic
penggunaan perangkat elektronik di setiap ruangan, devices in each room, enforcing office building operational
memberlakukan jadwal operasional gedung kantor untuk schedules to save electricity usage, and maximizing online
menghemat penggunaan listrik, serta memaksimalkan rapat meetings or meetings.
atau pertemuan secara daring.
4. Efisiensi Air [POJK51-F.8] 4. Water Efficiency [POJK51-F.8]
Bank menggunakan air yang berasal Perusahaan Daerah The Bank uses water from the Regional Drinking Water
Air Minum (PDAM) untuk keperluan kebersihan, kegiatan Company (PDAM) for cleaning purposes, worship activities,
beribadah, dan lainnya. Dalam 3 tahun terakhir, Bank telah and others. In the last 3 years, the Bank has calculated the
menghitung biaya penggunaan air sebagai berikut. cost of water usage as follows.
Satuan
Uraian 2023 2022 2021 Descriptions
Unit
jutaan Rupiah
Biaya Penggunaan Air 131 90 68 Water Usage Fee
million Rupiah
Selain menggunakan air, Bank juga menerapkan inisiatif In addition to water use, the Bank also implements water
efisiensi penggunaan air kepada karyawan dengan use efficiency initiatives for employees by raising awareness
meningkatkan kesadaran akan penggunaan air melalui of water use through dissemination and periodic checks on
sosialisasi dan pemeriksaan berkala pada kran dan saluran air faucets and drains to reduce leakage.
untuk mengurangi kebocoran.
PT Bank Ina Perdana Tbk
352 Laporan Tahunan 2023
Page 355
5. Pengelolaan Limbah [POJK51-F.13] [POJK51-F.14] 5. Waste Management [POJK51-F.13] [POJK51-F.14]
Limbah yang dihasilkan Bank merupakan limbah domestik, The waste generated by the Bank is domestic waste, most of
yang sebagian besar di antaranya berupa limbah kertas. Selain which is paper waste. In addition, the Bank does not produce
itu, Bank tidak menghasilkan limbah yang termasuk bahan waste that includes hazardous and toxic materials (B3). The
berbahaya dan beracun (B3). Bank juga tidak melakukan Bank also does not conduct waste treatment independently,
pengolahan limbah secara mandiri, melainkan dilakukan oleh but is carried out by the building management.
pihak pengelola gedung.
Bank berupaya untuk mengurangi limbah kertas dengan The Bank strives to reduce paper waste by implementing an
menerapkan sistem digitalisasi yang terintegrasi, mulai dari integrated digitalization system, starting from the use of digital
penggunaan dokumen digital, serta meningkatkan layanan documents, as well as improving the Bank’s internet banking
internet banking dan mobile banking Bank terutama dalam and mobile banking services, especially in account mutation
transaksi mutasi rekening, cetak pengambilan ATM, serta transactions, printing ATM withdrawals, and printing new
cetak formulir pembukaan rekening baru yang dapat account opening forms that can be done digitally through
dilakukan secara digital melalui smartphone, laptop, ataupun smartphones, laptops, or personal computers (PCs).
personal computer (PC).
Dalam 3 tahun terakhir, Bank telah menghitung penggunaan In the past 3 years, the Bank has calculated paper usage as
kertas sebagai berikut. follows.
2023 2022 2021
Penggunaan Kertas
Use of Paper
2.138 1.392 1.284
(Rim / Ream) (Rim / Ream) (Rim / Ream)
Untuk mengurangi sampah plastik, Bank telah mengeluarkan To reduce plastic waste, the Bank has issued Memorandum
Memorandum No. MEMO/SDM/685/0919 tanggal No. MEMO/SDM/685/0919 dated September 30, 2019 on
30 September 2019 Perihal Pengurangan Sampah Plastik & Plastic Waste Reduction & Efforts to Preserve the Environment.
Upaya Melestarikan Lingkungan Hidup. Adapun inisiatif yang The initiatives taken by Bank Ina include encouraging employees
dilakukan oleh Bank Ina, yaitu mengimbau karyawan untuk to bring their own refillable drinking water bottles and the use
membawa botol air minum sendiri yang dapat diisi ulang of bottled water during meetings and gatherings is no longer
dan penggunaan air minum kemasan pada saat rapat dan allowed. The Bank also ensures that trash bins are adequately
pertemuan tidak lagi diperkenankan. Bank juga memastikan available in all rooms of the Bank’s office, so that office cleanliness
tempat sampah tersedia dengan memadai di seluruh ruangan is well maintained. [POJK51-F.1]
kantor Bank, sehingga kebersihan kantor terjaga dengan
baik. [POJK51-F.1]
Selain itu, di sepanjang tahun 2023, tidak terdapat tumpahan Furthermore, throughout 2023, no waste spills occurred due to
limbah yang terjadi yang disebabkan oleh aktivitas Bank. the Bank’s activities. [POJK51-F.15]
[POJK51-F.15]
6. Pengendalian Emisi [POJK51-F.11] [POJK51-F.12] 6. Emission Control [POJK51-F.11] [POJK51-F.12]
Bank menghasilkan emisi yang berasal dari penggunaan energi The Bank generates emissions from the use of energy
dalam kegiatan operasional. Meskipun saat ini pengukuran in operational activities. Although the measurement of
atas emisi yang dihasilkan belum dilakukan, namun Bank emissions has not yet been carried out, Bank Ina has taken a
Ina berupaya melakukan sejumlah langkah inisiatif dalam number of initiatives to reduce emissions, such as:
pengurangan emisi, seperti:
a. Penyediaan ruang terbuka hijau di sekitar wilayah kantor; a. Provision of green open space around the office area;
b. Pengurangan perjalanan dinas dengan memaksimalkan b. Reducing official travel by maximizing online meetings;
pertemuan secara daring; serta and
c. Penghematan penggunaan energi listrik yang dapat c. Saving the use of electrical energy that can produce
menghasilkan emisi gas rumah kaca (GRK), seperti AC. greenhouse gas (GHG) emissions, such as AC.
PT Bank Ina Perdana Tbk
2023 Annual Report 353
Page 356
Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
7. Keanekaragaman Hayati [POJK51-F.9] [POJK51-F.10] 7. Biodiversity [POJK51-F.9] [POJK51-F.10]
Bank mendukung ruang terbuka hijau di lingkungan operasional The Bank supports green open spaces in the Bank’s operational
Bank, seperti melakukan penempatan pot tanaman di sekitar environment, such as placing potted plants around the Bank’s
kantor Bank dan bekerja sama dengan pengelola gedung. Untuk offices and cooperating with building managers. To support
mendukung keanekaragaman hayati, dilakukan penanaman dan biodiversity, plants are planted and maintained on an ongoing
pemeliharaan tanaman secara berkelanjutan. Selain itu, wilayah basis. In addition, the Bank’s operational areas are not located
operasional Bank tidak berada pada lokasi yang berdekatan adjacent or intersecting with protected areas or areas that
atau bersinggungan dengan area yang dilindungi maupun have high biodiversity. Thus, the Bank’s operations have no
kawasan yang memiliki keanekaragaman hayati tinggi. Dengan negative impact on biodiversity.
demikian, operasional Bank tidak berdampak negatif terhadap
keanekaragaman hayati.
Capaian Kegiatan Activity Achievements
Pada tahun 2023, Bank Ina mengalami peningkatan aktivitas In 2023, Bank Ina experienced an increase in operational activities
operasional seiring dengan kembalinya work from office, yang along with the return of work from office, which is part of the
merupakan bagian dari proses pemulihan dari dampak pandemi recovery process from the Covid-19 pandemic impact. This
Covid-19. Peningkatan ini secara langsung berdampak pada increase directly impacted the use of energy, water, and paper
penggunaan energi, air, dan kertas dalam operasional sehari- in daily operations. Nevertheless, Bank Ina remains committed to
hari. Meskipun demikian, Bank Ina tetap berkomitmen untuk reducing the consumption of these resources, by implementing a
mengurangi konsumsi sumber daya tersebut, dengan menerapkan number of sustainable initiatives.
sejumlah langkah inisiatif yang berkelanjutan.
Penghargaan dan Sertifikasi Awards and Certifications
Selama tahun 2023, Bank tidak menerima penghargaan ataupun Throughout 2023, the Bank did not receive any environmental
sertifikasi terkait lingkungan. Akan tetapi, hal tersebut tidak awards or certifications. However, this does not diminish Bank
mengurangi komitmen Bank Ina untuk meningkatkan inisiatif Ina’s commitment to enhancing environmental initiatives to create
terkait lingkungan hidup guna menciptakan kehidupan masa a better future.
depan yang lebih baik.
Sarana Pengaduan Masalah Lingkungan Complaint Channel for Environmental
Hidup [POJK51-F.16] Problem [POJK51-F.16]
Pemangku kepentingan dapat menyampaikan pengaduan apabila Stakeholders can submit complaints if the Bank’s activities disturb
kegiatan Bank mengganggu lingkungan hidup melalui e-mail, the environment through e-mail, call center, Bank website, and
call center, situs web bank, dan media sosial Bank. Selama the Bank’s social media. In the last 3 years, the Bank has not
3 tahun terakhir, Bank tidak menerima pengaduan terkait masalah received any complaints related to environmental issues.
lingkungan hidup.
Biaya Pengelolaan Lingkungan Hidup Environmental Management Cost [POJK51-F.4]
[POJK51-F.4]
Bank belum memiliki program khusus terkait lingkungan The Bank does not have a special program related to the
hidup, sehingga tidak terdapat informasi terkait biaya program environment, and thus, there is no information related to the
lingkungan hidup dalam 3 tahun terakhir. Sementara itu, biaya cost of environmental programs in the last 3 years. Meanwhile,
pengelolaan lingkungan di gedung kantor pusat ataupun kantor the cost of environmental management in the Bank’s head office
cabang Bank, seperti biaya retribusi sampah dan kebersihan, telah building or branch offices, such as garbage and cleaning fees, is
termasuk dalam biaya sewa gedung. included in the building rental fee.
PT Bank Ina Perdana Tbk
354 Laporan Tahunan 2023
Page 357
Tanggapan terhadap Umpan Balik Tahun
Sebelumnya [POJK51-G.4]
Response to Previous Year’s Feedback
Bank Ina tidak menerima umpan balik atau masukan dari Bank Ina did not receive any feedback or input from stakeholders
pemangku kepentingan terkait Laporan Tahunan untuk regarding the Annual Report for the 2022 financial year. However,
tahun buku 2022. Akan tetapi, Bank berkomitmen untuk the Bank is committed to maximizing the quality of Annual Report
memaksimalkan kualitas penyampaian Laporan Tahunan dan and Sustainability Report each financial year.
Laporan Keberlanjutan setiap tahun buku.
PT Bank Ina Perdana Tbk
2023 Annual Report 355
Page 358
Lembar Umpan Balik [POJK51-G.3]
Feedback Form
Setelah membaca Laporan Tahunan PT Bank Ina Perdana Tbk, After reading the Annual Report of PT Bank Ina Perdana Tbk, we
kami mohon kesediaan para pemangku kepentingan untuk request stakeholders to provide feedback by sending an e-mail.
memberikan umpan balik dengan mengirim e-mail.
Pertanyaan Setuju Tidak Setuju
Questions Agree Disagree
Laporan ini telah memberikan informasi yang bermanfaat mengenai kinerja ekonomi, sosial, dan lingkungan Bank.
… …
This report has provided useful information on economic, social, and environmental performance of the Bank.
Data dan informasi yang diungkapkan mudah dipahami, lengkap, transparan, dan berimbang.
… …
Data and information disclosed are easy to understand, complete, transparent, and balanced.
Data dan informasi yang disajikan berguna dalam pengambilan keputusan.
… …
Data and information presented are useful for making decision.
Laporan ini menarik dan mudah dibaca.
… …
This report is interesting and easy to read.
Mohon berikan nilai mengenai aspek yang terdapat dalam laporan ini (nilai 1 = paling penting, 2 = penting, 3 = tidak penting, 4 = sangat tidak penting).
Please score the aspects in this report (1 = most important, 2 = important, 3 = less important, 4 = least important).
Nilai Ekonomi Langsung yang Dihasilkan dan Distribusikan Non-Diskriminasi
Direct Economic Value Generated and Distributed Non-Discrimination
Dampak Ekonomi Tidak Langsung Praktik Pengamanan
Indirect Economic Impacts Security Practices
Praktik Pengadaan Penilaian Hak Asasi Manusia
Procurement Practices Human Rights Assessment
Anti Korupsi Kesehatan dan Keselamatan Nasabah
Anti-Corruption Customer Health and Safety
Bersaing Sehat/Anti Monopoli Privasi Nasabah
Healthy Competition/Anti-Monopoly Customer Privacy
Ketenagakerjaan Kepatuhan Sosial Ekonomi
Employment Socio-Economic Compliance
Kesehatan dan Keselamatan Kerja Literasi dan Inklusi Keuangan
Occupational Health and Safety Financial Literacy and Inclusion
Pelatihan dan Pendidikan Penggunaan Energi
Training and Education Energy Use
Keanekaragaman dan Kesempatan yang Setara Penggunaan Kertas
Diversity and Equal Opportunity Paper Use
Mohon berikan komentar/saran/usulan bagi laporan ini.
Please provide comment/suggestion/recommendation on this report.
……………………………………………………………………………………………………………………………………………………………………………
……………………………………………………………………………………………………………………………………………………………………………
Profil Anda / Your Profile
Nama / Name …………………………………………………………………………………………
Pekerjaan / Occupation …………………………………………………………………………………………
Institusi/Perusahaan / Institution/Company …………………………………………………………………………………………
Kontak (telepon, e-mail) / Contact (phone, e-mail) …………………………………………………………………………………………
Kategori Pemangku Kepentingan / Category of Stakeholder
Pemerintah Pelanggan Karyawan Mitra Kerja
Governance Customer Employee Business Partners
Media Masyarakat LSM Lain-Lain, ….
Media Community NGO Others, ….
Saran dan tanggapan yang Anda berikan atas informasi yang disajikan dalam laporan ini mohon dikirimkan kepada:
Please send your suggestion and response to information presented in this report to:
Gedung Ariobimo Sentral +62 21 252 5678
Feliks Suranta Tarigan Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5 +62 21 252 5025
Sekretaris Perusahaan
Corporate Secretary Jakarta Selatan, 12950 corp_sec@bankina.co.id
www.bankina.co.id
PT Bank Ina Perdana Tbk
356 Laporan Tahunan 2023
Page 359
Indeks Pengungkapan Kriteria
POJK No. 51/POJK.03/2017 [POJK.51-G.5]
Criteria Disclosure Index of POJK No. 51/POJK.03/2017
No. Indeks Uraian Halaman
Index No. Description Page
Penjelasan Strategi Berkelanjutan
A.1 11
Description of Sustainability Strategy
Ikhtisar Kinerja Berkelanjutan
Sustainability Performance Highlights
Ikhtisar Kinerja Ekonomi
B.1 24
Economic Performance Highlights
Ikhtisar Kinerja Lingkungan Hidup
B.2 27
Environmental Performance Highlights
Ikhtisar Kinerja Sosial
B.3 26
Social Performance Highlights
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Berkelanjutan
C.1 62-63
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 7
Company Address
Skala Perusahaan
C.3 24; 97; 106
Company Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 64; 66
Products, Services, and Business Activities
Keanggotaan pada Asosiasi
C.5 35
Membership in Association
Perubahan Organisasi Bersifat Signifikan
C.6 59
Significant Organizational Change
Penjelasan Direksi
Explanation from Board of Director
Penjelasan Direksi
D.1 44
Explanation from the Board of Directors
Tata Kelola Berkelanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1 329-330
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi terkait Keuangan Berkelanjutan
E.2 330
Competency Development Related to Sustainable Finance
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
E.3 331
Risk Assessment for the Implementation of Sustainable Finance
Hubungan dengan Pemangku Kepentingan
E.4 17
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan Berkelanjutan
E.5 332-333
Problems with the Implementation of Sustainable Finance
Kinerja Berkelanjutan
Sustainability Performance
Kegiatan Membangun Budaya Berkelanjutan
F.1 353
Building a Sustainability Culture
PT Bank Ina Perdana Tbk
2023 Annual Report 357
Page 360
No. Indeks Uraian Halaman
Index No. Description Page
Kinerja Ekonomi
Economy Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan
Laba Rugi
F.2 139-140
Comparison of Target and Performance of Production, Portfolio, Financing Targets, or Investment, Income
and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan
atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
F.3 350-351
Comparison of Target and Performance of Portfolio, Financing Targets, or Investment on Financial
Instruments or Projects in Line with Sustainable Finance
Kinerja Lingkungan
Environmental Performance
Umum
General
Biaya Lingkungan Hidup
F.4 354
Environmental Costs
Aspek Material
Material Aspects
Penggunaan Material yang Ramah Lingkungan
F.5 351
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspects
Jumlah dan Intensitas Energi yang Digunakan
F.6 352
Amount and Intensity of Energy Used
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 352
Efforts and Achievement of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspects
Penggunaan Air
F.8 352
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspects
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati 354
Impact of Operational Area Adjacent to or In Conservation Areas or Areas with Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 354
Biodiversity Conservation Effort
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan berdasarkan Jenisnya
F.11 353
Amount and Intensity of Emissions Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 353
Efforts Made and Achievements of Emission Reduction
Aspek Limbah dan Efluen
Waste and Effluent Aspects
Jumlah Limbah dan Efluen yang Dihasilkan berdasarkan Jenis
F.13 353
Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 353
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (jika ada)
F.15 353
Spill Occurring (if any)
Aspek Pengaduan Terkait Lingkungan Hidup
Aspects of Complaints Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 354
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten, atau Perusahaan Publik untuk Memberikan Layanan atas Produk dan/atau Jasa
F.17 yang Setara Kepada Konsumen 345
LJK, Issuer, or Public Company’s Commitment to Providing Equal Products and/or Services to Consumers
PT Bank Ina Perdana Tbk
358 Laporan Tahunan 2023
Page 361
No. Indeks Uraian Halaman
Index No. Description Page
Aspek Ketenagakerjaan
Manpower Aspects
Kesetaraan Kesempatan Bekerja
F.18 338
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 335
Child Labor and Forced Labor
Upah Minimum Regional
F.20 339
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21 340
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 339
Employee Capacity Training and Development
Aspek Masyarakat
Community Aspects
Dampak Operasi terhadap Masyarakat Sekitar
F.23 341; 344
Impact of Operations on the Surrounding Communities
Pengaduan Masyarakat
F.24 344
Public Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 341-344
Environmental Social Responsibility (TJSL) Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
F.26 347
Sustainable Finance Product/Service Innovation and Development
Produk/Jasa yang sudah Dievaluasi Keamanannya bagi Pelanggan
F.27 347
Products/Services with Evaluated Customer Safety
Dampak Produk/Jasa
F.28 348
Product/Service Impact
Jumlah Produk yang Ditarik Kembali
F.29 347
Number of Products Recalled
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 349
Customer Satisfaction Survey on Sustainable Finance Products and/or Services
Lain-Lain
Miscellaneous
Verifikasi Tertulis dari Pihak Independen (jika ada)
G.1 21
Written Verification from Independent Party (if any)
Surat Pernyataan Anggota Direksi tentang Tanggung Jawab atas Laporan Keberlanjutan
G.2 53
Statement of Members of the Board of Directors regarding the Responsibility for Sustainability Reports
Lembar Umpan Balik
G.3 354
Feedback Form
Tanggapan terhadap Umpan Balik Laporan Tahun Sebelumnya
G.4 353
Responses to Previous Year’s Report Feedback
Daftar Pengungkapan sesuai Peraturan Otoritas Jasa Keuangan No. 51 tahun 2017
G.5 355
List of Disclosures in Accordance with POJK 51/2017
PT Bank Ina Perdana Tbk
2023 Annual Report 359
Page 362
Laporan
Keuangan
Financial
Statements
08
PT Bank Ina Perdana Tbk
360 Laporan Tahunan 2023
Page 363
PT Bank Ina Perdana Tbk Laporan keuangan tanggal 31 Desember 2023 dan untuk tahun yang berakhir pada tanggal tersebut beserta laporan auditor independen/ Financial statements as of December 31, 2023 and for the year then ended with independent auditor’s report
Page 364
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN KEUANGAN FINANCIAL STATEMENTS
TANGGAL 31 DESEMBER 2023 AS OF DECEMBER 31, 2023
DAN UNTUK TAHUN YANG BERAKHIR PADA AND FOR THE YEAR THEN ENDED
TANGGAL TERSEBUT WITH INDEPENDENT AUDITOR’S REPORT
BESERTA LAPORAN AUDITOR INDEPENDEN
Daftar Isi Table of Contents
Halaman/
Page
Surat Pernyataan Direksi Statement of the Board of Directors
Laporan Auditor Independen Independent Auditor’s Report
Laporan Posisi Keuangan ..……..…….………………… 1-3 ……………………….Statement of Financial Position
Laporan Laba Rugi dan Penghasilan Statement of Profit or Loss and
Komprehensif Lain …………………………………... 4-5 ..............................Other Comprehensive Income
Laporan Perubahan Ekuitas ……….…..……………….. 6-7 …………..…………..Statement of Changes in Equity
Laporan Arus Kas ………….…..………………………… 8-9 …………………..….............Statement of Cash Flow
Catatan Atas Laporan Keuangan ...………....………..... 10 - 167 …………………… Notes to the Financial Statements
************************
Page 365
Page 366
Page 367
Page 368
Page 369
Page 370
Page 371
Page 372
Page 373
Page 374
Page 375
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2023 As of December 31, 2023
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, Catatan/ December 31,
2023 Notes 2022
ASET ASSETS
Kas 71.563 2,4 99.128 Cash
Current accounts with
Giro pada Bank Indonesia 1.600.005 2,5 1.391.514 Bank Indonesia
Current accounts
Giro pada bank lain 178.900 2,6 177.185 with other banks
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (7) 2,6 (6) impairment losses
178.893 177.179
Penempatan pada Placements with Bank
Bank Indonesia dan bank lain 3.173.162 2,7 2.840.755 Indonesia and other banks
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (677) 2,7 (59) impairment losses
3.172.485 2.840.696
Efek-efek 4.369.621 2,8 5.099.200 Marketable securities
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (25) 2,8 (92) impairment losses
4.369.596 5.099.108
Efek-efek yang dibeli Securities purchased
dengan janji dijual kembali 2.146.197 2,9 863.159 under resale agreements
Kredit yang diberikan 2,10, Loans
Pihak berelasi 167.656 35 142.903 Related parties
Pihak ketiga 12.509.530 9.606.342 Third parties
12.677.186 9.749.245
Cadangan kerugian Allowance for
penurunan nilai (335.229) 2,10 (237.567) impairment losses
12.341.957 9.511.678
Tagihan akseptasi 93.108 2,12 113.418 Acceptance receivables
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (88) 2,12 (92) impairment losses
93.020 113.326
Tagihan derivatif 1.471 2,13 783 Derivative receivables
Piutang bunga 11,35 Interest receivables
Pihak berelasi 195 152 Related parties
Pihak ketiga 88.777 80.890 Third parties
88.972 81.042
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari integral part of these financial statements.
laporan keuangan ini.
1
Page 376
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2023 (continued)
(Disajikan dalam jutaan Rupiah, As of December 31, 2023
kecuali dinyatakan lain) (Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ 31 Desember/
December 31, Catatan/ December 31,
2023 Notes 2022
ASET (lanjutan) ASSETS (continued)
Beban dibayar dimuka 7.984 2,14 8.994 Prepaid expenses
Aset pajak tangguhan - neto 32.717 2,21d 44.907 Deferred tax assets - net
Aset tetap dan Fixed assets and
aset hak guna - neto 121.058 2,15 102.000 right of use assets - net
Aset lain-lain - neto 2,16,35 Other assets - net
Pihak berelasi 3.540 2.239 Related parties
Pihak ketiga 155.122 216.983 Third parties
158.662 219.222
TOTAL ASET 24.384.580 20.552.736 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 28.436 2,17 24.687 Liabilities due immediately
Simpanan dari nasabah 2,18, Deposits from customers
Pihak berelasi 5.200.509 35 4.574.564 Related parties
Pihak ketiga 14.115.400 10.888.261 Third parties
19.315.909 15.462.825
Simpanan dari bank lain 966.590 2,19 601.618 Deposits from other banks
Efek-efek yang Securities sold under
dijual dengan janji dibeli kembali 239.027 2,20 905.895 repurchase agreements
Liabilitas akseptasi 93.108 2,12 113.418 Acceptance payables
Liabilitas derivatif 90 2,13 878 Derivative payables
Utang pajak 25.924 2,21a 23.054 Taxes payable
Liabilitas imbalan kerja 21.661 2,22 15.115 Employee benefit liabilities
Utang bunga 23,35 Interest payables
Pihak berelasi 2.821 1.230 Related parties
Pihak ketiga 38.657 19.797 Third parties
41.478 21.027
Liabilitas lain-lain 96.199 24,35 96.131 Other liabilities
TOTAL LIABILITAS 20.828.422 17.264.648 TOTAL LIABILITIES
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari integral part of these financial statements.
laporan keuangan ini.
2
Page 377
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2023 (continued)
(Disajikan dalam jutaan Rupiah, As of December 31, 2023
kecuali dinyatakan lain) (Expressed in millions of Rupiah,
unless otherwise stated)
31 Desember/ 31 Desember/
December 31, Catatan/ December 31,
2023 Notes 2022
EKUITAS EQUITY
Modal saham - nilai nominal Capital stock - par value of
Rp100 per saham Rp100 per share
Modal dasar - Authorized -
20.000.000.000 saham 20,000,000,000 shares
pada tanggal 31 Desember 2023 as of December 31, 2023
dan 2022 and 2022
Modal ditempatkan dan disetor Issued and fully paid -
penuh - 6.134.716.665 saham 6,134,716,665 shares and
dan 5.937.093.750 saham 5,937,093,750 shares
pada tanggal 31 Desember 2023 as of December 31, 2023
dan 2022 613.472 25 593.710 and 2022
Tambahan modal disetor 2.482.288 26 1.707.342 Additional paid-in capital
Dana setoran modal - 26 794.708 Capital deposit fund
Saldo laba Retained earnings
Telah ditentukan penggunaannya 64.995 27 33.586 Appropriated
Belum ditentukan penggunaannya 392.562 217.189 Unappropriated
Keuntungan (kerugian) neto Net unrealized gain (loss)
yang belum direalisasi dari from increase (decrease) in
kenaikan (penurunan) nilai wajar fair value of and allowance for
dan cadangan kerugian penurunan nilai impairment losses on securities
efek-efek yang diklasifikasikan classified as fair value
sebagai nilai wajar melalui through other
penghasilan komprehensif lain - neto 2.841 8 (58.447) comprehensive income - net
EKUITAS 3.556.158 3.288.088 EQUITY
TOTAL LIABILITAS TOTAL LIABILITIES
DAN EKUITAS 24.384.580 20.552.736 AND EQUITY
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari integral part of these financial statements.
laporan keuangan ini.
3
Page 378
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2023
31 Desember 2023 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2023 Notes 2022
PENDAPATAN (BEBAN) BUNGA INTEREST INCOME (EXPENSE)
Pendapatan bunga 1.726.605 2,28,35 1.172.750 Interest income
Beban bunga (1.016.631) 2,29,35 (613.873) Interest expense
Pendapatan bunga - neto 709.974 558.877 Interest income - net
PENDAPATAN OPERASIONAL
LAINNYA OTHER OPERATING INCOME
Keuntungan atas penjualan Gain on sale of marketable
efek-efek yang diklasifikasikan securities classified as
sebagai nilai wajar melalui fair value through other
penghasilan komprehensif lain comprehensive income and
dan nilai wajar melalui laba rugi - neto 24.667 2,8 9.380 fair value through profit or loss - net
Pendapatan jasa cash pick up 8.950 8.816 Fees of cash pick up services
Keuntungan (kerugian) yang
belum direalisasi atas Unrealized gain (loss) from the
perubahan nilai wajar changes in fair value of marketable
efek-efek yang diklasifikasikan securities classified as fair value
nilai wajar melalui laba rugi - neto 7.315 2 (685) through profit or loss - net
Provisi dan komisi selain Fees and commissions
dari pemberian kredit 6.163 2 3.927 other than loans
Pendapatan administrasi 5.795 5.381 Administration income
Penerimaan kembali
kredit yang telah dihapusbuku 1.178 2 1.048 Recoveries from loan written-off
Keuntungan penjualan aset tetap 22 2,15 - Gain on sale of fixed assets
Lain-lain 5.147 2.366 Others
TOTAL PENDAPATAN OPERASIONAL TOTAL OTHER OPERATING
LAINNYA 59.237 30.233 INCOME
BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
Beban tenaga kerja (219.809) 31 (153.658) Personnel expenses
Penyisihan kerugian penurunan nilai (117.937) 2,30 (100.678) Provision for impairment losses
General and administrative
Beban umum dan administrasi (150.748) 32 (120.447) expenses
Lain-lain (13.186) 32 (11.474) Others
TOTAL BEBAN OPERASIONAL TOTAL OTHER OPERATING
LAINNYA (501.680) (386.257) EXPENSES
LABA SEBELUM INCOME BEFORE
BEBAN PAJAK 267.531 202.853 TAX EXPENSE
BEBAN PAJAK - NETO (59.655) 2,21b,21e (45.805) TAX EXPENSE - NET
LABA BERSIH TAHUN BERJALAN 207.876 157.048 NET INCOME FOR THE YEAR
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari integral part of these financial statements.
laporan keuangan ini.
4
Page 379
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2023
31 Desember 2023 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2023 Notes 2022
LABA BERSIH NET INCOME
TAHUN BERJALAN 207.876 157.048 FOR THE YEAR
Penghasilan (beban) Other comprehensive income
komprehensif lain (loss)
Pos-pos yang tidak akan Item that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
Pengukuran kembali Remeasurement of
liabilitas imbalan kerja (1.403) 2,22 255 employee benefit liabilities
Pajak penghasilan terkait 309 2,21d (55) Related income tax
(1.094) 200
Pos-pos yang akan direklasifikasi Item that may be reclassified
ke laba rugi: to profit or loss:
Keuntungan (kerugian) yang belum Unrealized gain (loss) on
direalisasi atas perubahan nilai wajar changes in fair value of
efek-efek yang diklasifikasikan marketable securities
sebagai nilai wajar melalui classified as fair value through
penghasilan komprehensif lain 64.117 2,8 (48.844) other comprehensive income
Cadangan kerugian penurunan nilai Allowance for impairment losses
atas efek-efek yang diklasifikasikan on marketable securities
sebagai nilai wajar melalui classified as fair value through
penghasilan komprehensif lain 11.273 2,8 547 other comprehensive income
Pajak penghasilan terkait (14.102) 2,21d 10.754 Related income tax
61.288 (37.543)
Beban komprehensif lainnya Other comprehensive loss
- setelah pajak 60.194 (37.343) - net of tax
TOTAL PENGHASILAN (RUGI) TOTAL COMPREHENSIVE
KOMPREHENSIF INCOME (LOSS)
TAHUN BERJALAN 268.070 119.705 FOR THE YEAR
LABA PER SAHAM EARNINGS PER SHARE
Dasar (nilai penuh) 33,89 2,33 26,45 Basic (full amount)
Dilusian (nilai penuh) 33,89 2,33 26,43 Diluted (full amount)
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari integral part of these financial statements.
laporan keuangan ini.
5
Page 380
The original financial statements included herein are in the Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2023
31 Desember 2023 (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
(Kerugian)
keuntungan
neto yang belum
direalisasi dari
(penurunan) kenaikan
nilai wajar dan
cadangan kerugian
penurunan nilai
efek-efek yang
diklasifikasikan
sebagai nilai wajar
melalui penghasilan
komprehensif lain
- neto/
Net unrealized
(loss) gain from
(decrease) increase
in fair value of and
allowance for
Modal Saham Saldo Laba/Retained Earnings impairment losses on
Ditempatkan dan securities classified
Disetor Penuh/ Tambahan Dana Setoran Telah Belum as fair value
Issued and Fully Modal Disetor/ Modal/ Ditentukan Ditentukan through other Total
Catatan/ Paid Capital Additional Capital Deposit Penggunaannya/ Penggunaannya/ comprehensive ekuitas/
Notes Stock Paid-in Capital Fund Appropriated Unappropriated income - net Equity
SALDO TANGGAL BALANCE AS OF
31 DESEMBER 2022 593.710 1.707.342 794.708 33.586 217.189 (58.447 ) 3.288.088 DECEMBER 31, 2022
Penambahan modal 25,26 19.762 774.946 (794.708) - - - - Additional capital
Penghasilan komprehensif lain - neto 8,22 - - - - (1.094) 61.288 60.194 Other comprehensive income - net
Pembentukan cadangan umum 27 - - - 31.409 (31.409) - - General reserve provision
Laba bersih tahun berjalan - - - - 207.876 - 207.876 Net income for the year
SALDO TANGGAL BALANCE AS OF
31 DESEMBER 2023 613.472 2.482.288 - 64.995 392.562 2.841 3.556.158 DECEMBER 31, 2023
Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes to the financial statements form an integral part
laporan keuangan ini. of these financial statements.
6
Page 381
The original financial statements included herein are in the Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN PERUBAHAN EKUITAS (lanjutan) STATEMENT OF CHANGES IN EQUITY (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2023
31 Desember 2023 (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
(Kerugian)
keuntungan
neto yang belum
direalisasi dari
(penurunan) kenaikan
nilai wajar dan
cadangan kerugian
penurunan nilai
efek-efek yang
diklasifikasikan
sebagai nilai wajar
melalui penghasilan
komprehensif lain
- neto/
Net unrealized
(loss) gain from
(decrease) increase
in fair value of and
allowance for
Modal Saham Saldo Laba/Retained Earnings impairment losses on
Ditempatkan dan securities classified
Disetor Penuh/ Tambahan Dana Setoran Telah Belum as fair value
Issued and Fully Modal Disetor/ Modal/ Ditentukan Ditentukan through other Total
Catatan/ Paid Capital Additional Capital Deposit Penggunaannya/ Penggunaannya/ comprehensive ekuitas/
Notes Stock Paid-in Capital Fund Appropriated Unappropriated income - net Equity
SALDO TANGGAL BALANCE AS OF
31 DESEMBER 2021 565.438 551.512 1.184.102 25.636 67.891 (20.904 ) 2.373.675 DECEMBER 31, 2021
Penambahan modal 25,26 28.272 1.155.830 (389.394) - - - 794.708 Additional capital
Penghasilan komprehensif lain - neto 8,22 - - - - 200 (37.543 ) (37.343) Other comprehensive income - net
Pembentukan cadangan umum 27 - - - 7.950 (7.950) - - General reserve provision
Laba bersih tahun berjalan - - - - 157.048 - 157.048 Net income for the year
SALDO TANGGAL BALANCE AS OF
31 DESEMBER 2022 593.710 1.707.342 794.708 33.586 217.189 (58.447 ) 3.288.088 DECEMBER 31, 2022
Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes to the financial statements form an integral part
laporan keuangan ini. of these financial statements.
7
Page 382
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2023
31 Desember 2023 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2023 Notes 2022
ARUS KAS DARI CASH FLOWS FROM OPERATING
AKTIVITAS OPERASI ACTIVITIES
Interest income, fees
Penerimaan bunga, provisi dan komisi 1.962.198 1.264.338 and commission
Pendapatan operasional lainnya 51.900 30.918 Other operating income
Pembayaran bunga (992.666) (599.143) Payments of interest
Payments of other
Pembayaran beban operasional lainnya (108.975) (92.851) operating expense
Pembayaran beban tenaga kerja (192.653) (128.495) Payments of personnel expense
Pembayaran pajak penghasilan (66.867) (52.102) Payment of income tax
Arus kas sebelum perubahan Cash flows before changes in
dalam aset dan liabilitas operasi 652.937 422.665 operating asset and liabilities
Perubahan dalam aset Changes in operating
dan liabilitas operasi assets and liabilities
(Kenaikan) penurunan (Increase) decrease
aset operasi: in operating assets:
Efek-efek yang diklasifikasikan Marketable securities
sebagai nilai wajar melalui classified as fair value
laba rugi 34.114 149.013 through profit or loss
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali (1.282.215) 791.521 under resale agreements
Kredit yang diberikan (2.933.757) (6.041.210) Loans
Tagihan akseptasi 20.310 (82.086) Acceptance receivables
Tagihan derivatif (688) (473) Derivative receivables
Beban dibayar dimuka 1.010 (563) Prepaid expenses
Aset lain-lain 60.591 (41.647) Other assets
(Penurunan) kenaikan (Decrease) increase
liabilitas operasi: in operating liabilities:
Liabilitas segera 3.749 15.582 Liabilities due immediately
Simpanan dari nasabah 3.853.084 2.960.789 Deposits from customers
Simpanan dari bank lain 364.972 574.546 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali (666.385) 905.261 repurchase agreements
Liabilitas akseptasi (20.310) 82.086 Acceptance payables
Liabilitas derivatif (788) 576 Derivative payable
Utang pajak 8.479 2.075 Taxes payable
Liabilitas lain-lain (22.295) 14.135 Other liabilities
Arus kas neto diperoleh dari Net cash provided by
(digunakan untuk) aktivitas operasi 72.808 (247.730) (used in) operating activities
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari integral part of these financial statements.
laporan keuangan ini.
8
Page 383
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
LAPORAN ARUS KAS (lanjutan) STATEMENT OF CASH FLOWS (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended December 31, 2023
31 Desember 2023 (Expressed in millions of Rupiah,
(Disajikan dalam jutaan Rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Tahun yang berakhir pada tanggal 31 Desember/
Year ended December 31,
Catatan/
2023 Notes 2022
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM INVESTING
INVESTASI ACTIVITIES
Perolehan efek-efek
yang diklasifikasikan sebagai Acquisition of marketable securities
nilai wajar melalui penghasilan classified as fair value through
komprehensif lain dan biaya other comprehensive income
perolehan diamortisasi (1.596.099) (2.374.826) and amortized cost
Perolehan aset tetap (33.647) 15 (32.096) Acquisition of fixed assets
Penerimaan atas penjualan aset tetap 22 15 - Proceeds from sale of fixed assets
Perolehan aset hak guna (21.863) (13.051) Acquisition of rights of use assets
Penerimaan efek-efek yang Proceeds from matured
telah jatuh tempo 668.000 245.000 marketable securities
Penerimaan dari penjualan Proceeds from sale of
efek-efek yang diklasifikasikan marketable securities classified as
sebagai nilai wajar melalui fair value through other
penghasilan komprehensif lain 1.450.650 965.963 comprehensive income
Arus kas neto diperoleh dari Net cash provided by (used in)
(digunakan untuk) aktivitas investasi 467.063 (1.209.010) investing activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM FINANCING
PENDANAAN ACTIVITIES
Penerimaan dari Penawaran Proceeds from Limited
Umum Terbatas IV (PUT IV) - 800.373 Public Offering IV (PUT IV)
Biaya emisi dari Penawaran Issuance cost from Limited
Umum Terbatas IV (PUT IV) - (3.241) Public Offering IV (PUT IV)
Pembayaran liabilitas sewa (24.823) (18.543) Payment of lease liabilities
Arus kas neto (digunakan untuk) Net cash (used in)
diperoleh dari aktivitas pendanaan (24.823) 778.589 provided by financing activities
NET INCREASE (DECREASE) IN
KENAIKAN (PENURUNAN) NETO CASH AND
KAS DAN SETARA KAS 515.048 (678.151) CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
AWAL TAHUN 4.508.582 5.186.733 AT BEGINNING OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
AKHIR TAHUN 5.023.630 4.508.582 AT END OF YEAR
Cash and cash
Kas dan setara kas terdiri dari: equivalents consist of:
Kas 71.563 4 99.128 Cash
Giro pada Current accounts
Bank Indonesia 1.600.005 5 1.391.514 with Bank Indonesia
Giro pada bank lain 178.900 6 177.185 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 3.173.162 7 2.840.755 and other banks
Total 5.023.630 4.508.582 Total
Catatan atas laporan keuangan terlampir merupakan The accompanying notes to the financial statements form an
bagian yang tidak terpisahkan dari integral part of these financial statements.
laporan keuangan ini.
9
Page 384
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM 1. GENERAL
a. Pendirian Bank a. Establishment of the Bank
PT Bank Ina Perdana Tbk (“Bank”) didirikan di PT Bank Ina Perdana Tbk (the “Bank”) was
Jakarta pada tanggal 9 Februari 1990 established based on Notarial deed No. 32
berdasarkan Akta No. 32 tanggal 9 Februari dated February 9, 1990 of Winnie Hadiprodjo,
1990 dibuat di hadapan Winnie Hadiprodjo, S.H., subtitute notary of Kartini Muljadi S.H.,
S.H., notaris pengganti dari Kartini Muljadi S.H., notary in Jakarta, as amended by the
notaris di Jakarta, yang kemudian diubah Amendment Deed of Establishment No. 79
berdasarkan Akta Perubahan Akta Pendirian dated May 22, 1990 of Kartini Muljadi S.H.,
No. 79, tanggal 22 Mei 1990, dibuat di hadapan notary in Jakarta, which approved the change
Kartini Muljadi, S.H., notaris di Jakarta, yang in the name of the Bank from PT Bank Ina to
menyetujui perubahan nama Bank dari PT Bank PT Bank Ina Perdana. The Bank’s deeds of
Ina menjadi PT Bank Ina Perdana. Akta establishment was approved by the Ministry of
pendirian Bank tersebut telah mendapatkan Laws and Human Rights of the Republic of
pengesahan dari Kementerian Hukum dan Hak Indonesia) in its Decision Letter No. C2-3639
Asasi Manusia Republik Indonesia berdasarkan HT.01.01.Th.90 dated June 23, 1990 and was
Surat Keputusan No. C2-3639 HT.01.01.Th.90, published in the State Gazzette of the Republic
tanggal 23 Juni 1990 sebagaimana telah of Indonesia No. 84 Supplement No. 4242
diumumkan pada Berita Negara Republik dated October 19, 1990.
Indonesia No. 84 Tambahan No. 4242 tanggal
19 Oktober 1990.
Anggaran Dasar Bank telah mengalami The Bank’s Articles of Association were
beberapa kali perubahan, perubahan terakhir amended several times, the latest amendment
berdasarkan Akta No. 22 tanggal 14 Juni 2023 was by Notarial deed No. 22 dated June 14,
dari Edward Suharjo Wiryomartani, S.H., M.Kn 2023 of Edward Suharjo Wiryomartani, S.H.,
notaris di Jakarta, mengenai penyesuaian M.Kn notary in Jakarta, regarding the
maksud dan tujuan serta kegiatan usaha Bank adjustment of the intention and objectives as
sesuai dengan Klasifikasi Baku Lapangan well as the Bank’s business activities in
Usaha Indonesia Tahun 2020. Perubahan accordance with the 2020 Indonesian Standard
Anggaran Dasar tersebut telah dicatat di Classification of Business Fields. The changes
Kementerian Hukum dan Hak Asasi Manusia of Articles of Association were recorded by the
Republik Indonesia dengan surat keputusan Ministry of Laws and Human Rights of the
No. AHU-0111267.AH.01.11 tahun 2023 Republic of Indonesia in its decision letter No.
tanggal 15 Juni 2023. AHU-0111267.AH.01.11 year 2023 dated June
15, 2023.
Sesuai dengan Pasal 3 Anggaran Dasar Bank, According to Article 3 of the Bank’s Articles of
ruang lingkup kegiatan Bank adalah melakukan Association, the Bank’s scope of activities is to
usaha di bidang perbankan sesuai dengan engage in general banking services in
undang-undang dan peraturan perundang- accordance with prevailing laws and
undangan yang berlaku. regulations.
Bank telah memperoleh izin usaha untuk The Bank was granted with the licensed to
beroperasi sebagai bank umum dari Menteri operate as a general bank from the Ministry of
Keuangan Republik Indonesia dengan Surat Finance of Republic Indonesia through
Keputusan No. 524/KMK.013/1991 tanggal the decision letter No. 524/KMK.013/1991
3 Juni 1991, selanjutnya Bank melakukan dated June 3, 1991 and subsequently started
operasi komersial pada bulan Juli 1991. commercial operations in July 1991.
10
Page 385
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian Bank (lanjutan) a. Establishment of the Bank (continued)
Bank memperoleh izin usaha sebagai bank The Bank obtained business license as a
devisa sesuai Keputusan Anggota Dewan foreign exchange bank in accordance with the
Komisioner Otoritas Jasa Keuangan No. KEP- Decree of the Members of the Board of
87/D.03/2020 tanggal 16 Juli 2020. Commissioners of the Financial Services
Authority No. KEP-87/D.03/2020 dated July 16,
2020.
Bank berkantor pusat di Gedung Ariobimo The Bank’s Head Office is located in Ariobimo
Sentral, Jalan H. R. Rasuna Said Blok X-2 Sentral Building, Jalan H. R. Rasuna Said Blok
Kav 5, Jakarta. Pada tanggal-tanggal 31 X-2 Kav 5, Jakarta. As of December 31, 2023
Desember 2023 dan 2022, Bank memiliki and 2022, the Bank has office network with the
jaringan kantor dengan rincian sebagai berikut: following details:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Kantor Pusat 1 1 Head office
Kantor Cabang 15 13 Branches
Kantor Cabang Pembantu 29 28 Supporting branches
Anjungan Tunai Mandiri (ATM) 65 43 Automatic Teller Machines (ATM)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, The
Pemegang saham pengendali (PSP) adalah Bank’s controlling shareholders are PT Indolife
PT Indolife Pensiontama dengan Pemegang Pensiontama with the ultimate shareholder is
saham akhir adalah Anthoni Salim sesuai surat Anthoni Salim, in accordance with Financial
Otoritas Jasa Keuangan (OJK) Services Authority (OJK) letter
No. S-14/PB.311/2020 tanggal 18 Maret 2020. No. S-14/PB.311/2020 dated March 18, 2020.
b. Penawaran Umum Saham Perdana di Bursa b. Initial Public Offering on Indonesia Stock
Efek Indonesia Exchange
Pada tanggal 31 Desember 2013, Bank As of December 31, 2013, the Bank obtained
memperoleh pernyataan efektif dari OJK effective approval from OJK through the letter
melalui surat No. S-484/D.04/2013 untuk No. S-484/D.04/2013 for initial public offering of
penawaran umum perdana atas 520.000.000 520,000,000 shares of the Bank at par value of
lembar saham Bank dengan nilai nominal Rp100 (full amount) per share with the offering
Rp100 (Rupiah penuh) per saham pada harga price of Rp240 (full amount) per share.
penawaran Rp240 (Rupiah penuh) per saham. The Bank shares has been listed on Indonesia
Saham-saham Bank telah tercatat di Bursa Stock Exchange on January 16, 2014.
Efek Indonesia pada tanggal 16 Januari 2014.
11
Page 386
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Saham Perdana di Bursa b. Initial Public Offering on Indonesia Stock
Efek Indonesia (lanjutan) Exchange (continued)
Pada tanggal 24 Juni 2016, Bank melakukan On June 24, 2016, the Bank made a Limited
Penawaran Umum Terbatas I dalam rangka Public Offering I with pre-emptive rights to the
penerbitan Hak Memesan Efek Terlebih Dahulu Bank’s shareholders amounting to 625,000,000
(“HMETD”) kepada para pemegang saham (six hundred and twenty five million) common
Bank sejumlah 625.000.000 (enam ratus dua registered shares with a nominal value of Rp100
puluh lima juta) lembar saham biasa atas nama (full amount) per share with the offering price of
dengan nominal Rp100 (Rupiah penuh) per Rp240 (full amount) per share after obtaining
lembar saham pada harga penawaran Rp240 approval from the Chief Executive of Financial
(Rupiah penuh) per saham setelah mendapat Services Authority in his letter No. S-
Surat Pemberitahuan Efektifnya Pernyataan 322/D.04/2016.
Pendaftaran dari Kepala Eksekutif Otoritas Jasa
Keuangan No. S-322/D.04/2016.
Pada tanggal 26 Januari 2017, Bank melakukan On January 26, 2017, the Bank made a Limited
Penawaran Umum Terbatas II dalam rangka Public Offering II with pre-emptive rights to
penerbitan Hak Memesan Efek Terlebih Dahulu the Bank’s shareholders amounting to
(“HMETD”) kepada para pemegang saham 2,929,375,000 (two billion nine hundred twenty
Bank sejumlah 2.929.375.000 (dua milyar nine million three hundred seventy five
sembilan ratus dua puluh sembilan juta tiga thousand) common registered shares with a
ratus tujuh puluh lima ribu) lembar saham biasa nominal value of Rp100 (full amount) per share
atas nama dengan nominal Rp100 (Rupiah with the offering price of Rp240 (full amount) per
penuh) per lembar saham pada harga share after obtaining approval from
penawaran Rp240 (Rupiah penuh) per saham the Chief Executive of Financial Services
setelah mendapat Surat Pemberitahuan Authority in his letter No. S-50/D.04/2017.
Efektifnya Pernyataan Pendaftaran dari
Kepala Eksekutif Otoritas Jasa Keuangan
No. S-50/D.04/2017.
Pada tanggal 19 November 2021, Bank On November 19, 2021, the Bank made a
melakukan Penawaran Umum Terbatas III Limited Public Offering III with pre-emptive
dalam rangka penerbitan Hak Memesan Efek rights to the Bank’s shareholders amounting to
Terlebih Dahulu (“HMETD”) kepada para 282,718,750 (two hundred eighty two million
pemegang saham Bank sejumlah 282.718.750 seven hundred eighteen thousand seven
(dua ratus delapan puluh dua juta tujuh ratus hundred fifty) common registered shares with a
delapan belas ribu tujuh ratus lima puluh) nominal value of Rp100 (full amount) per share
lembar saham biasa atas nama dengan nominal with the offering price of Rp240 (full amount)
Rp100 (Rupiah penuh) per lembar saham pada per share after obtaining approval from
harga penawaran Rp240 (Rupiah penuh) per the Chief Executive of Financial Services
saham setelah mendapat Surat Pemberitahuan Authority in his letter No. S-209/D.04/2021.
Efektifnya Pernyataan Pendaftaran dari Kepala
Eksekutif Otoritas Jasa Keuangan
No. S-209/D.04/2021.
Pada tanggal 30 November 2022, Bank On November 30, 2022, the Bank made a
melakukan Penawaran Umum Terbatas IV Limited Public Offering IV with pre-emptive
dalam rangka penerbitan Hak Memesan Efek rights to the Bank’s shareholders amounting to
Terlebih Dahulu (“HMETD”) kepada para 197,622,915 (one hundred ninety seven million
pemegang saham Bank sejumlah 197.622.915 six hundred twenty two thousand nine hundred
(seratus sembilan puluh tujuh juta enam ratus fifteen) common registered shares with a
dua puluh dua ribu sembilan ratus lima belas) nominal value of Rp100 (full amount) per share
lembar saham biasa atas nama dengan nominal with the offering price of Rp4,050 (full amount)
Rp100 (Rupiah penuh) per lembar saham pada per share after obtaining approval from
harga penawaran Rp4.050 (Rupiah penuh) per the Chief Executive of Financial Services
saham setelah mendapat Surat Pemberitahuan Authority in his letter No. S-251/D.04/2022.
Efektifnya Pernyataan Pendaftaran dari Kepala
Eksekutif Otoritas Jasa Keuangan No. S-
251/D.04/2022.
12
Page 387
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Saham Perdana di Bursa b. Initial Public Offering on Indonesia Stock
Efek Indonesia (lanjutan) Exchange (continued)
Berikut adalah kronologis pencatatan saham The chronological overview of the Bank’s
Bank pada bursa efek di Indonesia sejak issued shares on the stock exchanges in
Penawaran Umum Perdana: Indonesia since the Initial Public Offering was
as follows:
Jumlah Saham/
Number of Shares
Penawaran Umum Perdana
di tahun 2013 2.079.000.000 Shares from Initial Public Offering in 2013
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) I 618.750.000 Pre-emptive Rights (Rights Issue) I
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) II 2.956.625.000 Pre-emptive Rights (Rights Issue) II
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) III 282.718.750 Pre-emptive Rights (Rights Issue) III
Hak Memesan Efek Terlebih Dahulu
(Rights Issue) IV 197.622.915 Pre-emptive Rights (Rights Issue) IV
Total 6.134.716.665 Total
Pada tanggal 31 Desember 2023, sebesar As of December 31, 2023, 100% shares or
100% atau sebanyak 6.134.716.665 saham 6,134,716,665 shares have been listed in
Bank telah tercatat di Bursa Efek Indonesia. Indonesia Stock Exchange.
c. Dewan Komisaris, Direksi dan Karyawan c. Boards of Commissioners and Directors and
Employees
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, the
2022 susunan Dewan Komisaris dan Direksi composition of the Bank’s Boards of
Bank adalah sebagai berikut: Commissioners and Directors are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama Independent President
Independen Inawaty Handojo Inawaty Handojo Commissioner
Komisaris Independen Yohanes Santoso Wibowo Yohanes Santoso Wibowo Independent Commissioner
Komisaris Josavia R. Ichwan Josavia R. Ichwan Commissioner
Dewan Direksi Board of Directors
Direktur Utama Henry Koenaifi***) Daniel Budirahayu*) President Director
Wakil Direktur Utama Yulius Purnama Junaedi ***) - Vice President Director
Direktur Kiung Hui Ngo Kiung Hui Ngo Director
Direktur Adhiputra Tanoyo Adhiputra Tanoyo Director
Direktur Yandhy Ramadhani****) Yulius Purnama Junaedi Director
Direktur - Budijanto Soedarpo**) Director
*) telah meninggal dunia pada tanggal 22 Maret 2023. *) has passed away on March 22, 2023.
**) telah mengundurkan diri sebagai Direktur Retail **) has resigned as Retail Banking Director as of
Banking pada tanggal 31 Desember 2022. December 31, 2022.
***) diangkat berdasarkan hasil keputusan RUPS Luar ***) has been appointed based on the decision of the
Biasa Perseroan tanggal 19 Mei 2023 dan telah Extraordinary General Meeting of Shareholders dated
mendapat persetujuan efektif OJK pada tanggal May 19, 2023 and has obtained effective approval
9 Agustus 2023. form OJK on August 9, 2023.
****) diangkat berdasarkan hasil keputusan RUPS ****) has been appointed based on the decision of the
Tahunan Perseroan tanggal 16 Juni 2023 dan telah Annual General Meeting of Shareholders dated
mendapat persetujuan efektif OJK pada tanggal June 16, 2023 and has obtained effective approval
23 Agustus 2023. form OJK on August 23, 2023.
13
Page 388
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Dewan Komisaris, Direksi dan Karyawan c. Boards of Commissioners and Directors and
(lanjutan) Employees (continued)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
susunan keanggotaan komite-komite yang composition of the committees of the Bank are
dimiliki Bank adalah sebagai berikut: as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Komite Audit Audit Committee
Ketua Inawaty Handojo Inawaty Handojo Chairman
Anggota Ivan P. Sanoesi Ivan P. Sanoesi Member
Anggota Jacobus S. Adisuwono Jacobus S. Adisuwono Member
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Ketua Inawaty Handoyo Inawaty Handoyo Chairman
Anggota Yohanes S. Wibowo Yohanes S. Wibowo Member
Anggota Josavia R. Ichwan Josavia R. Ichwan Member
Anggota Liza L. Widyasari Liza L. Widyasari Member
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Yohanes S. Wibowo Yohanes S. Wibowo Chairman
Anggota Ivan P. Sanoesi Ivan P. Sanoesi Member
Anggota Jacobus S. Adisuwono Jacobus S. Adisuwono Member
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank’s
Sekretaris Perusahaan adalah Felix Suranta Corporate Secretary is Felix Suranta and John
dan John Eric Pontoh. Eric Pontoh, respectively.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank’s
Ketua Internal Audit Bank adalah Usep Internal Audit Head is Usep Hanafiah Dahlan.
Hanafiah Dahlan.
Personel manajemen kunci Bank terdiri dari Bank’s key management consist of
Komisaris dan Direksi. Commissioners and Directors.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank
jumlah karyawan tetap Bank masing-masing has 461 and 367 permanent employees,
sebanyak 461 dan 367 karyawan (tidak diaudit). respectively (unaudited).
14
Page 389
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL POLICY INFORMATION
Kebijakan akuntansi material yang diterapkan The material accounting policies adopted in
dalam penyusunan laporan keuangan Bank adalah preparing the financial statements of the Bank are
seperti dijabarkan di bawah ini: set out below:
a. Dasar Penyajian Laporan Keuangan a. Basis of Preparation of the Financial
Statements
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan Bank telah disusun dan The financial statements of the Bank have been
disajikan sesuai dengan Standar Akuntansi prepared and presented in accordance with
Keuangan (PSAK) di Indonesia yang Indonesian Financial Accounting Standards
dikeluarkan oleh Dewan Standar Akuntansi (SFAS) issued by the Financial Accounting
Keuangan-Ikatan Akuntan Indonesia (DSAK- Standards Board of the Indonesian Institute of
IAI) dan peraturan Otoritas Jasa Keuangan Accountants (DSAK-IAI) and Financial Service
(“OJK”) No. VIII.G.7, yang merupakan Lampiran Authority (“OJK”) regulation No. VIII.G.7,
Keputusan Ketua BAPEPAM-LK No. KEP- Appendix of the Decree of the Chairman of
347/BL/2012 tanggal 25 Juni 2012 tentang the BAPEPAM-LK No. KEP-347/BL/2012 dated
“Penyajian dan Pengungkapan Laporan June 25, 2012 regarding “Financial Statements
Keuangan Emiten atau Perusahaan Publik”. Presentation and Disclosure of the Issuer or
Public Company”.
Laporan keuangan disusun berdasarkan The financial statements have been prepared
prinsip biaya historis dan berdasarkan konsep on historical cost basis and under accrual basis
akuntansi akrual. of accounting.
Laporan arus kas menyajikan perubahan dalam The statement of cash flows presents
kas dan setara kas dari aktivitas operasi, the changes in cash and cash equivalents from
investasi dan pendanaan. Laporan arus kas operating, investing, and financing activities.
disusun dengan metode langsung yang The statement of cash flows is prepared using
dimodifikasi. Untuk tujuan laporan arus kas, kas modified direct method. For the purpose of the
dan setara kas meliputi kas, giro pada Bank statement of cash flows, cash and cash
Indonesia, giro pada bank lain dan penempatan equivalents consist of cash, current accounts
pada Bank Indonesia dan bank lain, sepanjang with Bank Indonesia, current accounts with
tidak digunakan sebagai jaminan atas pinjaman other banks and placements with Bank
yang diterima serta tidak dibatasi Indonesia and other banks, as long as they are
penggunaannya. not being pledged as collateral for borrowings
nor restricted.
Mata uang fungsional dan penyajian yang The functional and presentation currency used
digunakan dalam laporan keuangan adalah in the financial statements is the Indonesian
mata uang Rupiah (Rp). Rupiah (Rp).
Kebijakan akuntansi yang diterapkan dalam The accounting policies adopted in
penyusunan laporan keuangan untuk tanggal the preparation of the December 31, 2023
31 Desember 2023 adalah konsisten dengan financial statements are consistent with those of
kebijakan akuntansi pada tahun sebelumnya. the previous financial year.
15
Page 390
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
b. Penjabaran Mata Uang Asing b. Foreign Currency Transactions
Transaksi dalam mata uang asing dijabarkan ke Transactions in foreign currencies are
dalam mata uang fungsional menggunakan translated to functional currency at
kurs pada tanggal transaksi. Laba atau rugi the exchange rates prevailing at the time of
selisih kurs yang timbul dari penyelesaian the transaction. The resulting gain or losses
transaksi dan dari penjabaran pada kurs akhir from settlement of transactions and
periode/tahun atas aset dan liabilitas moneter the translation on foreign exchange of monetary
dalam mata uang asing diakui dalam laba rugi. assets and liabilities for the period/year ended
are recognized in the profit or los.
Berikut ini adalah nilai tukar mata uang asing The exchange rates used for translation as of
utama yang digunakan untuk penjabaran pada December 31, 2023 and 2022 using the Reuters
tanggal-tanggal 31 Desember 2023 dan 2022 spot rate (at 16.00 Western Indonesia Time) are
yang menggunakan kurs spot Reuters (pukul as follows (amounts in full Rupiah):
16.00 Waktu Indonesia Barat) sebagai berikut
(dalam Rupiah penuh):
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pound Sterling Inggris 19.626,56 18.786,09 Great Britain Pound Sterling
Euro Eropa 17.038,32 16.581,72 European Euro
Dolar Amerika Serikat 15.397,00 15.567,50 United States Dollar
Dolar Singapura 11.676,34 11.592,88 Singapore Dollar
Dolar Australia 10.520,77 10.557,88 Australian Dollar
Dolar Hong Kong 1.970,73 1.996,55 Hong Kong Dollar
Yen Jepang 108,88 117,81 Japanese Yen
Renminbi China 2.170,06 2.238,91 Chinese Renminbi
c. Transaksi dengan Pihak Berelasi c. Transactions with Related Parties
Bank melakukan transaksi dengan pihak The Bank enter into transactions with parties
berelasi. Definisi pihak berelasi yang digunakan which are defined as related parties in
adalah sesuai dengan PSAK No. 7 (Revisi accordance to SFAS No. 7 (Revised 2010)
2010) mengenai “Pengungkapan pihak-pihak regarding “Related party disclosures”. A party
berelasi”. Suatu pihak dianggap pihak berelasi is considered a related party of Bank if:
dengan Bank jika:
(a) orang atau anggota keluarga dekatnya (a) a person or a close member of that person’s
mempunyai relasi dengan entitas pelapor family is related to a reporting entity if that
jika orang tersebut: person:
(i) memiliki pengendalian atau (i) has control or joint control of
pengendalian bersama atas entitas the reporting entity;
pelapor;
(ii) memiliki pengaruh signifikan atas (ii) has significant influence over
entitas pelapor; atau the reporting entity; or
(iii) merupakan personil manajemen kunci (iii) is a member of the key management
entitas pelapor atau entitas induk dari personnel of the reporting entity or of
entitas pelapor. a parent of the reporting entity.
16
Page 391
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
c. Transaksi dengan Pihak Berelasi (lanjutan) c. Transactions with Related Parties (continued)
(b) suatu entitas berelasi dengan entitas (b) an entity is related to a reporting entity if any of
pelapor jika memenuhi salah satu hal the following conditions applies:
berikut :
(i) entitas dan entitas pelapor adalah (i) the entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary
anak, dan entitas anak berikutnya and fellow subsidiary is related to
saling berelasi dengan entitas the others);
lainnya);
(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 ventura associate or joint venture of a member
bersama yang merupakan anggota of a company of which the other entity
suatu kelompok usaha, yang mana is a member);
entitas lain tersebut adalah
anggotanya);
(iii) kedua entitas tersebut adalah ventura (iii) both entities are joint ventures of
bersama dari pihak ketiga yang sama; the same third party;
(iv) satu entitas adalah ventura bersama (iv) one entity is a joint venture of a third
dari entitas ketiga dan entitas yang entity and the other entity is an
lain adalah entitas asosiasi dari associate of the third entity;
entitas ketiga;
(v) entitas tersebut adalah suatu program (v) the entity is a post-employment benefit
imbalan pascakerja untuk imbalan plan for the benefit of employees of
kerja dari salah satu entitas pelapor either the reporting entity or an entity
atau entitas yang terkait dengan related to the reporting entity. If the
entitas pelapor. Jika entitas pelapor reporting entity is itself such a plan, the
adalah entitas yang sponsoring employers are also related
menyelenggarakan program tersebut, to the reporting entity;
maka entitas sponsor juga berelasi
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 (a);
yang diidentifikasi dalam huruf (a);
(vii) orang yang diidentifikasi dalam huruf (vii) a person identified in (a)(i) has
(a)(i) memiliki pengaruh signifikan significant influence over the entity or
atas entitas atau merupakan personil is a member of the key management
manajemen kunci entitas (atau entitas personnel of the entity (or of a parent
induk dari entitas); of the entity;
Transaksi ini dilakukan berdasarkan The transaction is made on terms agreed by
persyaratan yang disetujui oleh kedua belah both parties, where such terms may not be
pihak, dimana persyaratan tersebut mungkin the same as other transactions undertaken
tidak sama dengan transaksi lain yang with unrelated parties.
dilakukan dengan pihak-pihak yang tidak
berelasi.
Seluruh transaksi dan saldo yang material All material transactions and balances with
dengan pihak-pihak berelasi diungkapkan the related parties are disclosed Note 35.
Catatan 35.
17
Page 392
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan d. Financial Assets and Liabilities
Aset keuangan Bank terdiri dari kas, giro pada The Bank’s financial assets consist of cash,
Bank Indonesia, giro pada bank lain, current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank accounts with other banks, placements with
lain, efek-efek, efek-efek yang dibeli dengan Bank Indonesia and other banks, marketable
janji dijual kembali, kredit yang diberikan, securities, securities purchased under resale
piutang bunga, tagihan akseptasi, tagihan agreements, loans, interest receivable,
derivatif dan aset lain-lain (seperti tagihan anjak acceptance receivables, derivative receivables
piutang, setoran jaminan, tagihan transaksi and other assets (e.g. factoring receivables,
ATM dan lain-lain). security deposits, ATM transactions receivable
and others).
Liabilitas keuangan Bank terdiri dari liabilitas The Bank’s financial liabilities consist of
segera, simpanan dari nasabah, simpanan dari liabilities due immediately, deposits from
bank lain, efek-efek yang dijual dengan janji customers, deposits from other banks,
dibeli kembali, utang bunga, liabilitas akseptasi, securities sold under repurchase agreements,
liabilitas derivatif dan liabilitas lain-lain. interest payables, acceptance payable,
derivative payables and other liabilities.
(i) Klasifikasi (i) Classification
Untuk menentukan kategori dan To determine the category and
klasifikasi, Bank menilai seluruh aset classification, the Bank assesses all
keuangan berdasarkan kombinasi dari financial assets based on a combination of
model bisnis pengelolaan aset dan the asset management business model
karakteristik arus kas kontraktual and the contractual cash flow
instrumen terkait. Berikut klasifikasi aset characteristics of the related instruments.
keuangan pada saat pengakuan awal: The following is the classification of
financial assets at initial recognition:
aset keuangan yang diukur pada biaya financial assets measured at
perolehan diamortisasi; amortized cost;
aset keuangan yang diukur pada nilai financial assets measured at fair value
wajar melalui penghasilan through other comprehensive income;
komprehensif lain; financial assets measured at fair value
aset keuangan yang diukur pada nilai through profit or loss.
wajar melalui laba rugi.
Aset keuangan diukur pada biaya Financial assets are measured at
perolehan diamortisasi jika memenuhi amortized cost if the following conditions
kondisi sebagai berikut: are met:
aset keuangan dikelola dalam model financial assets are managed in a
bisnis yang bertujuan untuk memiliki business model that aims to hold
aset keuangan dalam rangka financial assets in order to generate
mendapatkan arus kas kontraktual; contractual cash flows; and
dan
persyaratan kontraktual dari aset the contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights at a specific date
pada tanggal tertentu atas arus kas to cash flows derived solely from the
yang diperoleh semata dari principal and interest payments on the
pembayaran pokok dan bunga dari outstanding amount.
jumlah pokok terutang.
18
Page 393
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Aset keuangan diukur pada nilai wajar Financial assets are measured at fair
melalui penghasilan komprehensif lain jika value through other comprehensive
memenuhi kondisi sebagai berikut: income if the following conditions are met:
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 dan contractual cash flows and sell
menjual aset keuangan; dan financial assets; and
persyaratan kontraktual dari aset the contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights at a specific date
pada tanggal tertentu atas arus kas to cash flows derived solely from the
yang diperoleh semata dari principal and interest payments on the
pembayaran pokok dan bunga dari outstanding amount.
jumlah pokok terutang.
Aset keuangan lainnya yang tidak Other financial assets that do not qualify for
memenuhi persyaratan untuk the classification as measured at
diklasifikasikan sebagai diukur pada biaya amortized cost or fair value through other
perolehan diamortisasi atau nilai wajar comprehensive income are classified as
melalui penghasilan komprehensif lain, measured at fair value through profit or
diklasifikasikan sebagai diukur pada nilai loss.
wajar melalui laba rugi.
Saat pengakuan awal, Bank dapat On initial recognition, the Bank may make
membuat penetapan yang tidak dapat an 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 that
lain pada nilai wajar melalui laba rugi, designation eliminates or significantly
apabila penetapan tersebut mengeliminasi reduces measurement or recognition
atau secara signifikan mengurangi inconsistencies (sometimes referred to as
inkonsistensi pengukuran atau pengakuan “accounting mismatch”).
(kadang disebut sebagai “accounting
mismatch”).
Penilaian model bisnis Business model assessment
Model bisnis ditentukan pada level yang The business model is defined at a level
mencerminkan bagaimana kelompok aset that reflects how groups of financial assets
keuangan dikelola bersama-sama untuk are managed together to achieve specific
mencapai tujuan bisnis tertentu. business objectives.
Penilaian model bisnis dilakukan dengan The business model assessment is carried
mempertimbangkan, tetapi tidak terbatas out by considering, but not limited to, the
pada, hal-hal berikut: following:
bagaimana kinerja dari model bisnis how the performance of the business
dan aset keuangan yang dimiliki dalam model and financial assets held in the
model bisnis dievaluasi dan dilaporkan business model are evaluated and
kepada personel manajemen kunci reported to key management
Bank; personnel of the Bank;
19
Page 394
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
Penilaian model bisnis dilakukan dengan The business model assessment is carried
mempertimbangkan, tetapi tidak terbatas out by considering, but not limited to, the
pada, hal-hal berikut: (lanjutan) following: (continued)
apakah risiko yang mempengaruhi what are the risks that affect the
kinerja dari model bisnis (termasuk performance of the business model
aset keuangan yang dimiliki oleh (including financial assets owned by
model bisnis) dan khususnya the business model) and specifically
bagaimana cara aset keuangan how those financial assets are
tersebut dikelola; dan managed; and
bagaimana penilaian kinerja pengelola how the manager of the financial asset
aset keuangan (sebagai contoh, is evaluated (for example, whether the
apakah penilaian kinerja berdasarkan assessment of performance is based
nilai wajar dari aset yang dikelola atau on the fair value of the assets
arus kas kontraktual yang diperoleh). managed or the contractual cash
flows obtained).
Penilaian mengenai arus kas kontraktual Assessment of the contractual cash flows
yang diperoleh semata dari pembayaran derived solely from payments of principal
pokok dan bunga and interest
Untuk tujuan penilaian ini, pokok For the purposes of this valuation, principal
didefinisikan sebagai nilai wajar dari aset is defined as the fair value of the financial
keuangan pada saat pengakuan awal. asset at initial recognition. Interest is
Bunga didefinisikan sebagai imbalan defined as the consideration for the time
untuk nilai waktu atas uang dan risiko value of money and credit risk related to
kredit terkait jumlah pokok terutang pada the principal amount owed in a particular
periode waktu tertentu dan juga risiko dan period of time as well as risks and standard
biaya peminjaman standar, dan juga borrowing costs, as well as profit margin.
marjin laba.
Penilaian mengenai arus kas kontraktual The assessment of contractual cash flows
yang diperoleh semata dari pembayaran derived solely from payments of principal
pokok dan bunga dilakukan dengan and interest is made by considering
mempertimbangkan persyaratan contractual terms, including whether the
kontraktual, termasuk apakah aset financial asset contains contractual terms
keuangan mengandung persyaratan that change the timing or amount of
kontraktual yang dapat mengubah waktu contractual cash flows. In conducting the
atau jumlah arus kas kontraktual. Dalam assessment, the Bank considers:
melakukan penilaian, Bank
mempertimbangkan:
peristiwa kontinjensi yang akan contingent events that will change the
mengubah waktu atau jumlah arus kas timing or amount of contractual cash
kontraktual; flows;
fitur leverage; leverage features;
persyaratan pembayaran dimuka dan prepayment terms and contractual
perpanjangan kontraktual; extensions;
persyaratan mengenai klaim yang requirements regarding claims that
terbatas atas arus kas yang berasal are limited on cash flows from specific
dari aset spesifik; dan assets; and
fitur yang dapat mengubah nilai waktu a feature that can change the time
dari elemen uang. value of the money element.
20
Page 395
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Bank mengklasifikasikan liabilitas The Bank classifies its financial liabilities in
keuangan dalam kategori pada saat the following categories at initial
pengakuan awal: recognition:
liabilitas keuangan yang diukur pada financial liabilities measured at fair
nilai wajar melalui laba rugi; value through profit or loss;
liabilitas keuangan yang diukur dengan financial liabilities measured at
biaya perolehan diamortisasi. amortized cost.
Liabilitas keuangan yang diukur pada nilai Financial liabilities measured at fair value
wajar melalui laba rugi terdiri dari dua sub- through profit or loss consist of two sub-
kategori: liabilitas keuangan categories: financial liabilities classified as
diklasifikasikan sebagai diperdagangkan trading and financial liabilities that at initial
dan liabilitas keuangan yang pada saat recognition have been designated by the
pengakuan awal telah ditetapkan oleh Bank to be measured at fair value through
Bank untuk diukur pada nilai wajar melalui profit or loss.
laba rugi.
Liabilitas keuangan diklasifikasikan Financial liability is classified as trading if it
sebagai diperdagangkan jika diperoleh is acquired primarily for the purpose of
terutama untuk tujuan dibeli kembali repurchasing in the near term or if it is part
dalam waktu dekat atau jika merupakan of a certain jointly managed portfolio of
bagian dari portofolio instrumen keuangan financial instruments and there is evidence
tertentu yang dikelola bersama dan of a recent short-term profit taking pattern.
terdapat bukti mengenai pola ambil untung
dalam jangka pendek yang terkini.
Bank mengklasifikasikan seluruh liabilitas The Bank classifies all financial liabilities
keuangan setelah pengakuan awal diukur after initial recognition at amortized cost,
pada biaya perolehan diamortisasi, except:
kecuali:
liabilitas keuangan yang diukur pada financial liabilities measured at fair
nilai wajar melalui laba rugi; value through profit or loss;
liabilitas keuangan yang timbul ketika financial liabilities that arise when a
pengalihan aset keuangan tidak transfer of a financial asset does not
memenuhi syarat penghentian qualify for derecognition or when the
pengakuan atau ketika pendekatan continuing involvement approach is
keterlibatan berkelanjutan diterapkan; applied;
kontrak jaminan keuangan; financial guarantee contracts;
komitmen untuk menyediakan kredit commitment to providing credit at
dengan suku bunga di bawah pasar; below market interest rates; or
atau
imbalan kontinjensi yang diakui oleh contingent consideration recognized
pihak pengakuisisi dalam kombinasi by the acquirer in the business
bisnis. combination.
21
Page 396
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(ii) Pengakuan awal (ii) Initial recognition
a. Pembelian atau penjualan aset a. Purchase or sale of financial assets
keuangan yang memerlukan that requires delivery of assets within
penyerahan aset dalam kurun waktu a time frame established by regulation
yang telah ditetapkan oleh peraturan or convention in the market (regular
dan kebiasaan yang berlaku di pasar purchases) is recognized on the
(pembelian secara reguler) diakui settlement date.
pada tanggal penyelesaian.
b. Aset keuangan dan liabilitas keuangan b. Financial assets and financial
pada awalnya diukur pada nilai liabilities are initially recognized at fair
wajarnya. Dalam hal aset keuangan value. For those financial assets or
atau liabilitas keuangan tidak financial liabilities not classified as at
diklasifikasikan sebagai nilai wajar fair value through profit or loss, the fair
melalui laba rugi, nilai wajar tersebut value is added/deducted with directly
ditambah/dikurang biaya transaksi attributable transaction costs.
yang dapat diatribusikan secara The subsequent measurement of
langsung. Pengukuran aset keuangan financial assets and financial liabilities
dan liabilitas keuangan setelah depends on their classification.
pengakuan awal tergantung pada
klasifikasinya.
Bank, pada pengakuan awal, dapat The Bank, upon initial recognition,
menetapkan aset keuangan dan may designate certain financial assets
liabilitas keuangan tertentu sebagai and liabilities at fair value through
nilai wajar melalui laba rugi (opsi nilai profit or loss (fair value option).
wajar). Selanjutnya, penetapan ini Subsequently, this designation cannot
tidak dapat diubah. be changed.
Opsi nilai wajar dapat digunakan hanya bila The fair value option is only applied when
memenuhi ketetapan sebagai berikut: the following conditions are met:
penetapan sebagai opsi nilai wajar the application of the fair value option
mengurangi atau mengeliminasi reduces or eliminates an accounting
ketidakkonsistenan pengukuran dan mismatch that would otherwise arise;
pengakuan (accounting mismatch) or
yang dapat timbul; atau
aset keuangan dan liabilitas keuangan the financial assets and liabilities are
merupakan bagian dari portofolio part of a portfolio of financial
instrumen keuangan yang risikonya instruments, the risks of which are
dikelola dan dilaporkan kepada managed and reported to key
manajemen kunci berdasarkan nilai management on a fair value basis; or
wajar; atau
aset keuangan dan liabilitas keuangan the financial assets and liabilities
terdiri dari kontrak utama dan derivatif consist of a host contract and an
melekat yang harus dipisahkan. embedded derivative that must be
bifurcated.
22
Page 397
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent measurement
Aset keuangan dalam kelompok yang Financial assets at fair value through other
diukur pada nilai wajar melalui penghasilan comprehensive income are measured at
komprehensif lain diukur pada nilai fair value and changes in fair value are
wajarnya dan perubahan atas nilai wajar recorded in other comprehensive income.
tersebut dicatat pada penghasilan Financial assets and financial liabilities at
komprehensif lain. Aset keuangan dan fair value through profit or loss are
liabilitas keuangan yang diukur pada nilai measured at fair value and changes are
wajar melalui laba rugi diukur pada nilai recognized in profit or loss.
wajarnya dan perubahan diakui pada laba
rugi.
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities at
yang diukur pada biaya perolehan amortized cost are measured at amortized
diamortisasi diukur pada biaya perolehan cost using the effective interest rate.
diamortisasi dengan menggunakan suku
bunga efektif.
(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 assets expire, or
tersebut kadaluwarsa, atau Bank when it transfers the rights to receive the
mentransfer seluruh hak untuk menerima contractual cash flows on the financial
arus kas kontraktual dari aset keuangan assets in a transaction in which
dalam transaksi dimana Bank secara substantially all the risks and rewards of
substansial telah mentransfer seluruh ownership of the financial assets are
risiko dan manfaat atas kepemilikan aset transferred. Any interest or liabilities in
keuangan yang ditransfer. Setiap hak atau transferred financial assets that is created
liabilitas atas aset keuangan yang or retained by the Bank is recognized as a
ditransfer yang timbul atau yang masih separate assets or liability in the statement
dimiliki oleh Bank diakui sebagai aset atau of financial position.
liabilitas secara terpisah.
Bank dapat melakukan transaksi dimana The Bank may enter into transactions
Bank mentransfer aset yang diakui di whereby it transfers assets recognized on
laporan posisi keuangan, tetapi masih its statement of financial position, but
memiliki semua risiko dan manfaat atas retains either all or substantially risks and
aset yang ditransfer atau bagian darinya. rewards of the transferred assets or a
Jika seluruh atau secara substansi semua portion of them. If all or substantially all
risiko dan manfaat masih dimiliki, maka risks and rewards are retained, transferred
aset yang ditransfer tidak dihentikan assets are not derecognized from the
pengakuannya dari laporan posisi statement of financial position.
keuangan.
Pada saat dijual ke pihak ketiga dengan When assets are sold to a third party with
pertukaran tingkat pengembalian a concurrent total rate of return swap on
secara bersamaan dari aset yang the transferred assets, the transaction is
ditransfer, transaksi dianggap sebagai accounted for as a secured financing
transaksi keuangan yang dijamin serupa transaction similar to repurchase
dengan transaksi dengan janji akan dibeli transaction as the Bank retains all or
kembali ketika Bank mempertahankan substantially all the risk and rewards of
seluruh atau sebagian risiko dan manfaat ownership of such assets.
dari kepemilikan aset tersebut.
23
Page 398
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(iv) Penghentian pengakuan (lanjutan) (iv) Derecognition (continued)
Dalam transaksi dimana Bank secara In transactions in which the Bank neither
substansial tidak memiliki atau tidak retains nor transfers substantially all
mentransfer seluruh risiko dan manfaat the risks and rewards of ownership of a
atas kepemilikan aset keuangan, Bank financial assets, the Bank derecognizes
menghentikan pengakuan aset tersebut the assets if it does not retain control over
jika Bank tidak lagi memiliki pengendalian the assets.
atas aset tersebut.
Hak dan kewajiban yang timbul atau yang The rights and obligations retained in
masih dimiliki dalam transfer tersebut the transfer are recognized separately as
diakui secara terpisah sebagai aset atau assets and liabilities as appropriate. In
liabilitas yang sesuai. Dalam transfer transfers in which control over the asset is
dimana pengendalian atas aset masih retained, the Bank continues to recognize
dimiliki, Bank tetap mengakui aset yang the asset to the extent of its continuing
ditransfer tersebut sebesar keterlibatan involvement, determined by the extent to
berkelanjutan, dimana tingkat which it is exposed to changes in the value
keberlanjutan Bank dan aset yang of transferred assets.
ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
Bank melepaskan aset keuangan, seperti Bank disposes of financial assets, such as
kredit yang diberikan, ketika syarat dan loans, when the terms and conditions have
kondisi telah direnegosiasi hingga secara been substantially renegotiated, the loans
substansial, kredit yang diberikan tersebut become new, with the difference being
menjadi baru, dengan perbedaan akan recorded as gain or loss on disposal, if the
dicatat sebagai keuntungan atau kerugian impairment loss has not been recorded.
dari pelepasan, jika kerugian penurunan Such loans will be classified as stage 1 for
nilai belum dicatat. Kredit yang diberikan the assessment of expected credit loss
tersebut akan diklasifikasikan sebagai (ECL), unless the loans are considered
stage 1 untuk penilaian kerugian kredit Purchased or originated credit-impaired
ekspektasian (ECL), kecuali kredit yang financial assets (POCI).
diberikan tersebut dianggap aset
keuangan yang dibeli atau yang berasal
dari aset keuangan memburuk (Purchased
or originated credit-impaired financial
assets - POCI).
Jika modifikasi tidak akan menghasilkan If the modification will not result in
arus kas yang secara substansi berbeda, substantially different cash flows, the
maka modifikasi tidak akan berujung pada modification will not result in a disposal of
pelepasan aset. Berdasarkan perbedaan the asset. Based on the difference in cash
arus kas yang didiskonto pada suku bunga flows discounted at the original effective
efektif awal, Bank akan mencatat interest rate, the Bank will record the gain
keuntungan atau kerugian akibat or loss as a result of the modification, until
modifikasi, sampai dengan jumlah kerugian the amount of the impairment loss has not
penurunan nilai belum diakui. been recognized.
Bank menghentikan pengakuan liabilitas The Bank derecognizes a financial
keuangan pada saat liabilitas yang liabilities when its contractual obligations
ditetapkan dalam kontrak dilepaskan atau are discharged, cancelled or has expired.
dibatalkan atau kadaluarsa.
24
Page 399
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(iv) Penghentian pengakuan (lanjutan) (iv) Derecognition (continued)
Bank menghapusbukukan saldo kredit The Bank writes off a loan and investment
yang diberikan dan efek utang untuk tujuan debt security balance, and any related
investasi, dan cadangan kerugian allowance for impairment losses, when
penurunan nilai terkait, pada saat Bank the Bank determines that the loan or
menentukan bahwa kredit atau efek-efek security is uncollectible. This determination
tersebut tidak dapat ditagih. Keputusan ini is reached after considering information
diambil setelah mempertimbangkan such as the occurrence of
informasi seperti telah terjadinya significant changes in the borrower's/
perubahan signifikan pada posisi issuer’s financial position such that the
keuangan debitur/penerbit sehingga borrower/issuer can no longer pay the
debitur/penerbit tidak lagi dapat melunasi obligation, or that proceeds from collateral
kewajibannya, atau hasil penjualan agunan will not be sufficient to pay back the entire
tidak akan cukup untuk melunasi seluruh exposure.
ekposur kredit yang diberikan.
(v) Pengakuan pendapatan dan beban (v) Income and expense recognition
Pendapatan dan beban bunga, untuk Interest income and expenses, for
aset yang diukur pada nilai wajar assets measured at fair value through
melalui penghasilan komprehensif lain other comprehensive income and
serta aset keuangan dan liabilitas financial assets and financial liabilities
keuangan yang dicatat berdasarkan carried at amortized cost, are
biaya perolehan diamortisasi, diakui recognized in the statement of profit or
pada laporan laba rugi dan loss and other comprehensive income
penghasilan komprehensif lain dengan using the effective interest rate.
menggunakan suku bunga efektif.
Keuntungan dan kerugian yang timbul Gains and losses arising from changes
dari perubahan nilai wajar aset in fair value of financial assets and
keuangan dan liabilitas keuangan yang financial liabilities at fair value through
diukur pada nilai wajar melalui laba profit or loss are recognized in the
rugi, diakui pada laporan laba rugi dan statement of profit or loss and other
penghasilan komprehensif lain. comprehensive income.
Keuntungan dan kerugian yang timbul Gains and losses arising from changes
dari perubahan nilai wajar dan lainnya in fair value and other financial assets
atas aset keuangan yang classified as fair value through other
diklasifikasikan dalam kelompok nilai comprehensive income are
wajar melalui penghasilan recognized directly in equity, except
komprehensif lain diakui secara for gains or losses resulting from
langsung dalam ekuitas, kecuali changes in exchange rates of
keuntungan atau kerugian akibat monetary items, derecognition or
perubahan nilai tukar dari ítem impairment of monetary items of these
moneter, dihentikan pengakuannya financial assets.
atau adanya penurunan nilai dari aset
keuangan tersebut.
(vi) Reklasifikasi aset keuangan (vi) Reclassification of financial assets
Reklasifikasi aset keuangan diperbolehkan Reclassification of financial assets is
jika dan hanya jika terjadi perubahan dalam permissible when and only when there is
model bisnis untuk mengelola aset change in business model for managing
keuangan. financial assets.
25
Page 400
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(vi) Reklasifikasi aset keuangan (lanjutan) (vi) Reclassification of financial assets
(continued)
Jika Bank mereklasifikasi aset keuangan If the Bank reclassifies financial assets in
sesuai dengan ketentuan di atas, Bank accordance with the above conditions, the
menerapkan reklasifikasi secara prospektif Bank applies prospective reclassification
dari tanggal reklasifikasi. Bank tidak from the date of reclassification. The Bank
menyajikan kembali keuntungan, kerugian does not restate gains, losses (including
(termasuk keuntungan atau kerugian impairment gains or losses), or previously
penurunan nilai), atau bunga yang diakui recognized interest.
sebelumnya.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
biaya perolehan yang diamortisasi ke classification of amortized cost to fair value
klasifikasi nilai wajar melalui laba rugi through profit or loss are recorded at their
dicatat sebesar nilai wajarnya. Selisih fair value. The difference between the
antara nilai tercatat dengan nilai wajar carrying value and fair value is recognized
diakui sebagai keuntungan atau kerugian as a gain or loss in the statement of profit
pada laporan laba rugi dan penghasilan or loss and other comprehensive income.
komprehensif lain.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
biaya perolehan yang diamortisasi ke classification of amortized cost to fair value
klasifikasi nilai wajar melalui penghasilan through other comprehensive income are
komprehensif lain dicatat sebesar nilai recorded at their fair value.
wajar.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan classification of fair value through other
komprehensif lain ke klasifikasi nilai wajar comprehensive income to fair value
melalui laba rugi dicatat sebesar nilai wajar. through profit or loss are recorded at their
Keuntungan atau kerugian yang belum fair value. Unrealized gains or losses are
direalisasi direklasifikasi ke laba rugi. reclassified to profit or loss.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan classification of fair value through other
komprehensif lain ke klasifikasi biaya comprehensive income to amortized cost
perolehan yang diamortisasi dicatat are recorded at their carrying value.
sebesar nilai tercatat. Keuntungan atau Unrealized gains or losses is removed from
kerugian yang belum direalisasi dihapus equity and is adjusted against the fair
dari ekuitas dan disesuaikan terhadap nilai value.
wajar.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi classification of fair value through profit or
nilai wajar melalui penghasilan loss to fair value through other
komprehensif lain dicatat pada nilai wajar. comprehensive income are recorded at
their fair value.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi classification of fair value through profit or
biaya perolehan diamortisasi dicatat pada loss to amortized cost are recorded at their
nilai wajar. fair value.
26
Page 401
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(vii) Saling hapus (vii) 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 Enforceable right means:
berkekuatan hukum berarti:
a. tidak terdapat kontinjensi di masa a. there are no contingencies in
yang akan datang; dan the future; and
b. hak yang berkekuatan hukum pada b. enforceable right to the following
kondisi-kondisi berikut ini; conditions;
i. kegiatan bisinis 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 neto hanya jika diperkenankan oleh net basis only when permitted by
standar akuntansi. the accounting standards.
(viii) Pengukuran biaya perolehan diamortisasi (viii) Amortized cost measurement
Biaya perolehan diamortisasi dari aset The amortized cost of a financial asset or
keuangan atau liabilitas keuangan adalah liability is the amount at which the financial
jumlah aset keuangan atau liabilitas asset or liability is measured at initial
keuangan yang diukur pada saat recognition, minus principal repayments,
pengakuan awal dikurangi pembayaran plus or minus the cumulative amortization
pokok kredit, ditambah atau dikurangi using the effective interest rate method of
amortisasi kumulatif menggunakan metode any difference between the initial amount
suku bunga efektif yang dihitung dari recognized and the maturity amount,
selisih antara nilai pengakuan awal dan minus any reduction for impairment.
nilai jatuh temponya, dan dikurangi
penurunan nilai.
27
Page 402
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(ix) Penentuan nilai wajar (ix) Determination of fair value
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be
untuk menjual suatu aset atau harga yang received to sell an asset or paid to transfer
akan dibayar untuk mengalihkan suatu a liability in an orderly transaction between
liabilitas dalam transaksi teratur antara market participants at the measurement
pelaku pasar pada tanggal pengukuran. date. The fair value measurement is based
Pengukuran nilai wajar berdasarkan asumsi on the presumption that the transaction to
bahwa transaksi untuk menjual aset atau sell the asset or transfer the liability takes
mengalihkan liabilitas terjadi di: place either:
pasar utama untuk aset dan liabilitas in the principal market for the asset or
tersebut; atau liability; or
jika terdapat pasar utama, di pasar yang in the absence of the principal market, in
paling menguntungkan untuk aset atau the most advantageous market for
liabilitas tersebut. the asset or liability.
Bank harus memiliki akses ke pasar utama The principal or the most advantageous
atau pasar yang paling menguntungkan market must be accessible by the bank.
tersebut.
Nilai wajar aset dan liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan digunakan measured using the assumptions that
pelaku pasar ketika menentukan harga aset market participants would use when pricing
atau liabilitas tersebut, dengan asumsi the asset or liability, assuming that market
bahwa pelaku pasar bertindak dalam participants act in their economic best
kepentingan ekonomi terbaiknya. interest.
Bank menggunakan teknik penilaian yang The Bank uses valuation techniques that
sesuai dalam keadaan dan dimana data are appropriate in the circumstance and for
yang memadai tersedia untuk mengukur which sufficient data are available to
nilai wajar, memaksimalkan penggunaan measure fair value, maximizing the use of
input yang tidak dapat diobservasi. relevant observable inputs and minimizing
the use of unobservable inputs.
Semua aset dan liabilitas yang nilai All assets and liabilities for which fair value
wajarnya diukur atau diungkapkan dalam is measured or disclosed in the financial
laporan keuangan dikategorikan dalam statements are categorized within the fair
hirarki nilai wajar, sebagaimana dijelaskan value hierarchy, described as follows,
di bawah ini, berdasarkan tingkatan level based on the lowest level input that is
input yang terendah yang signifikan significant to the fair value measurement as
terhadap pengukuran nilai wajar secara a whole:
keseluruhan:
Level 1 - harga kuotasian (tanpa Level 1 - quoted (unadjusted) market
penyesuaian) di pasar aktif untuk aset prices in active markets for identical
assets or liabilities
atau liabilitas yang identik.
Level 2 - teknik penilaian di mana tingkat Level 2 - valuation techniques for which
the lowest level input that is significant to
level input terendah yang signifikan
terhadap pengukuran nilai wajar dapat the fair value measurement is directly or
diobservasi baik secara langsung atau indirectly observable.
tidak langsung.
Level 3 - teknik penilaian di mana tingkat Level 3 - valuation techniques for which
level input terendah yang signifikan the lowest level input that is significant to
terhadap pengukuran nilai wajar tidak the fair value measurement is directly or
dapat diobservasi baik secara langsung indirectly unobservable.
atau tidak langsung.
28
Page 403
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
d. Aset dan Liabilitas Keuangan (lanjutan) d. Financial Assets and Liabilities (continued)
(ix) Penentuan nilai wajar (lanjutan) (ix) Determination of fair value (continued)
Untuk aset dan liabilitas yang diukur secara For assets and liabilities that are
berulang dalam laporan keuangan, Bank recognized in the financial statements on
menentukan apakah perpindahan antar a recurring basis, the Bank determines
level hirarki telah terjadi dengan melakukan whether transfers have occured between
evaluasi pengelompokan (berdasarkan level levels in hierarchy by re-assesing
input yang terendah yang signifikan categorization (based on the lowest level
terhadap pengukuran nilai wajar secara input that is signifcant to the fair value
menyeluruh) pada setiap akhir periode measurement as a whole) at the end of
pelaporan. each reporting period.
e. Kas dan Setara Kas e. Cash and Cash Equivalents
Kas dan setara kas meliputi kas, giro pada Bank Cash and cash equivalents consist of cash on
Indonesia, giro pada bank lain dan penempatan hand, current account with Bank Indonesia and
pada Bank Indonesia dan bank lain yang jatuh other banks and placements with Bank
tempo dalam waktu tiga bulan atau kurang, Indonesia and other banks with a maturity of
sepanjang tidak digunakan sebagai jaminan three months or less, and are not pledged as
atas pinjaman yang diterima serta tidak dibatasi collateral for borrowings nor restricted.
penggunaannya.
Bank mengklasifikasikan kas dan setara kas Cash and cash equivalents are classified as
sebagai biaya perolehan diamortisasi. amortized cost.
f. Giro Pada Bank Indonesia dan Bank Lain f. Current accounts with Bank Indonesia and
other Banks
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
dinyatakan sebesar biaya perolehan other banks are stated at amortized cost using
diamortisasi menggunakan metode suku the effective interest rate method less
bunga efektif dikurangi cadangan kerugian allowance for impairment losses. Current
penurunan nilai. Giro pada Bank Indonesia accounts with Bank Indonesia and other banks
dan bank lain diklasifikasikan sebagai biaya classified as amortized cost.
perolehan diamortisasi.
g. Penempatan pada Bank Indonesia dan Bank g. Placements with Bank Indonesia and other
lain Banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia consist of
lain terdiri dari Fasilitas Simpanan Bank Bank Indonesia Deposit Facility (FASBI), Term
Indonesia (FASBI), Term Deposit BI dan Call Deposit BI and Call Money.
Money.
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain dinyatakan sebesar biaya perolehan banks are stated at amortized cost using
diamortisasi menggunakan metode suku bunga the effective interest rate method less allowance
efektif dikurangi cadangan kerugian penurunan for impairment losses. Placements with Bank
nilai. Penempatan pada Bank Indonesia dan Indonesia and other bank are classified as
bank lain diklasifikasikan sebagai biaya amortized cost.
perolehan diamortisasi.
29
Page 404
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
h. Efek-efek h. Marketable Securities
Efek-efek yang dimiliki terdiri dari obligasi Marketable securities consist of government
pemerintah, obligasi korporasi, reksadana, bonds, corporate bonds, mutual funds,
Negotiable Certificate Deposit (NCD) dan Negotiable Certificate Deposit (NCD) and
Sertifikat Deposito Bank Indonesia (“SDBI”). Certificate Deposit of Bank Indonesia (“SDBI”).
Efek-efek pada awalnya disajikan sebesar nilai Marketable securities initially are presented at
wajarnya. Setelah pengakuan awal, efek-efek fair value. After initial recognition, securities are
dicatat sesuai dengan kategorinya yaitu biaya recorded according to their categories, namely
perolehan diamortisasi, nilai wajar melalui amortized cost, fair value through other
penghasilan komprehensif lain atau nilai wajar comprehensive income or fair value through
melalui laba rugi. profit or loss.
Penilaian efek-efek didasarkan atas The measurement of marketable securities is
klasifikasinya sebagai berikut: based on the classification as follows:
Efek-efek yang diklasifikasikan sebagai biaya Held-to-maturity marketable securities are
perolehan diamortisasi dicatat pada biaya recorded at amortized cost using the effective
perolehan diamortisasi menggunakan suku interest rate
bunga efektif
Efek-efek yang diperdagangkan dinyatakan Trading marketable securities are recorded at
pada nilai wajar. Keuntungan dan kerugian fair value. Gains and losses arising from
yang timbul dari perubahan nilai wajar efek- changes in fair value of marketable securities
efek diakui dalam laporan laba rugi dan are recognized in the statement of profit or
penghasilan komprehensif lain. loss and other comprehensive income.
Efek-efek yang diklasifikasikan sebagai nilai Marketable securities classified as fair value
wajar melalui penghasilan komprehensif lain through other comprehensive income are
dinyatakan pada nilai wajar. Pendapatan recorded at fair value. Interest income is
bunga diakui dalam laporan laba rugi dan recognized in the statement of profit or loss
penghasilan komprehensif lain menggunakan and other comprehensive income using the
metode suku bunga efektif. Perubahan nilai effective interest method. Fair value changes
wajar diakui secara langsung dalam ekuitas are recognized directly in equity until the
sampai dengan efek-efek tersebut dijual atau marketable securities are sold or impaired,
mengalami penurunan nilai, dimana whereby the cumulative gains and losses
keuntungan dan kerugian kumulatif yang previously recognized in equity are
sebelumnya diakui dalam ekuitas harus diakui recognized in the statement of profit or loss
pada laporan laba rugi dan penghasilan and other comprehensive income.
komprehensif lain.
30
Page 405
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
i. Efek-efek yang dibeli dengan janji dijual i. Securities purchased under resale
kembali dan efek-efek yang dijual dengan agreements and securities sold under
janji dibeli kembali repurchase agreements
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
disajikan sebagai aset dalam laporan posisi are presented as asset in the statement of
keuangan sebesar jumlah penjualan kembali financial position, at the resale price net of
dikurangi dengan bunga yang belum unamortized interest and allowance for
diamortisasi dan cadangan kerugian penurunan impaiment losses. The difference between
nilai. Selisih antara harga beli dengan harga jual the purchased price and the resale price Is
kembali diperlakukan sebagai pendapatan treated as unearned interest income, and
bunga yang ditangguhkan, dan diakui sebagai recognized as income over the period starting
pendapatan selama periode sejak efek-efek from the securities are purchased until they are
dibeli hingga dijual menggunakan metode suku sold using effective interest rate method.
bunga efektif.
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
diklasifikasikan sebagai biaya perolehan are classified under amortized cost.
diamortisasi.
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase
disajikan sebagai liabilitas dalam laporan posisi agreements are presented as liabilities in the
keuangan sebesar harga pembelian kembali statement of financial position at the agreed
yang disepakati dikurangi dengan bunga dibayar repurchase price net of the unamortized
dimuka yang belum diamortisasi. Selisih antara prepaid interest. The difference between the
harga jual dan harga beli kembali yang selling price and the agreed repurchase price
disepakati diperlakukan sebagai beban bunga is treated as prepaid interest and recognized
dibayar dimuka dan diakui sebagai beban bunga as interest expense over the period,
selama jangka waktu sejak efek-efek tersebut commencing from the selling date to the
dijual hingga dibeli kembali dengan repurchase date using effective interest rate
menggunakan metode suku bunga efektif. method.
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase
diklasifikasikan sebagai liabilitas keuangan yang agreements are classified as financial
diukur dengan biaya perolehan diamortisasi. liabilities at amortized cost.
j. Kredit yang Diberikan j. Loans
Kredit yang diberikan adalah penyediaan uang Loans represent funds provided or receivables
atau tagihan yang dapat disetarakan dengan that can be considered as equivalent thereof,
itu, berdasarkan persetujuan atau kesepakatan based on agreements with borrowers, where
pinjam-meminjam dengan peminjam, dimana borrowers required to repay their debts with
mewajibkan pihak peminjam untuk melunasi interest after specified periods.
utang berikut bunganya setelah jangka waktu
tertentu.
Kredit yang diberikan pada awalnya diukur Loans are initially measured at fair value plus
pada nilai wajar ditambah dengan biaya transaction costs that are directly attributable
transaksi yang dapat diatribusikan secara and additional costs to obtain the financial
langsung dan biaya tambahan untuk assets. After initial recognition, loans are
memperoleh aset keuangan tersebut. Setelah measured at amortized cost using the effective
pengakuan awal, kredit yang diberikan diukur interest rate method less allowance for
pada biaya perolehan diamortisasi impairment losses.
menggunakan metode suku bunga efektif
dikurangi dengan cadangan kerugian
penurunan nilai.
31
Page 406
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
j. Kredit yang Diberikan (lanjutan) j. Loans (continued)
Kredit yang diberikan diklasifikasikan sebagai Loans are classified as amortized cost.
biaya perolehan diamortisasi.
Jika terdapat pelunasan dipercepat atau If there is early repayment before loan maturity
pelunasan sebelum masa jatuh tempo kredit, date, the loan account along with an allowance
maka akun kredit yang diberikan bersama for impairment losses, if any, will be excluded
dengan akun cadangan kerugian penurunan from the statement of financial position.
nilai, jika ada, akan dikeluarkan dari laporan
posisi keuangan.
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. Kredit yang combination of both. Restructured loans
diberikan direstrukturisasi, ketika adanya granted, when there is an indication of decline
indikasi penurunan kemampuan membayar dan in repayment ability and business conditions
kondisi usaha tetapi masih memiliki prospek but still have a realistic prospect of repayment
yang realistis mengenai pengembalian di masa in the future through business performance.
datang melalui hasil usaha.
Kredit yang direstrukturisasi disajikan sebesar Restructured loans are stated at the lower of
nilai yang lebih rendah antara nilai tercatat carrying value at the date of restructuring or
kredit pada tanggal restrukturisasi atau nilai the cash value of future cash receipts after
tunai penerimaan kas masa depan setelah restructuring. Losses resulting from
restrukturisasi. Kerugian akibat selisih antara the difference between the carrying value at
nilai tercatat kredit pada tanggal restrukturisasi the date of the restructuring and cash value of
dengan nilai tunai penerimaan kas masa depan future cash receipts after restructuring is
setelah restrukturisasi diakui sebagai laba/rugi. recognized as profit/loss. After restructuring, all
Setelah restrukturisasi, semua penerimaan kas future cash receipts which specified by new
masa depan yang ditetapkan dalam terms are recorded as principal repayment and
persyaratan baru dicatat sebagai pengembalian interest income in accordance with
pokok kredit yang diberikan dan pendapatan restructuring terms.
bunga sesuai dengan syarat-syarat
restrukturisasi.
Batasan suatu aset dinyatakan tidak dapat Limit of unrecoverable asset is as follows:
ditagih adalah sebagai berikut:
1. Fasilitas kredit telah mengalami 1. Loan facility has been impaired;
penurunan nilai;
2. Telah dilakukan berbagai upaya 2. Efforts on remedial and recovery has been
penagihan dan pemulihan, namun tidak done, but no result;
berhasil; dan
3. Usaha debitur sudah tidak mempunyai 3. The debtor business no longer has
prospek atau kinerja debitur buruk atau prospects or performance of the debtor is
tidak ada kemampuan membayar dan poor or there is no ability to pay and all
semua jaminan telah direalisasi atau collateral has been realized or has been
sudah diambil alih oleh Bank. taken over by the Bank.
Pengambilalihan agunan akan diakui sebagai Foreclosed collateral will be recognized as
penyelesaian atau pelunasan kredit settlement or repayment of loans based on
berdasarkan kesepakatan debitur dan Bank. the agreement between debtor and Bank.
32
Page 407
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Bank mengakui cadangan kerugian kredit The Bank recognizes allowance for expected
ekspektasian pada instrumen keuangan yang credit losses on financial instruments that are
tidak diukur pada nilai wajar melalui laba rugi. not measured at fair value through profit or loss.
Bank mengukur cadangan kerugian sejumlah The Bank measures the allowance for lifetime
kerugian kredit ekspektasian seumur hidup, expected credit loss, except for the following,
kecuali untuk hal berikut, diukur sejumlah measured at the 12-months expected credit
kerugian kredit ekspektasian 12 bulan: loss:
a. Instrumen utang yang memiliki risiko kredit a. Debt instruments that have a low credit risk
rendah pada tanggal pelaporan; dan at the reporting date; and
b. Instrumen keuangan lainnya yang risiko b. Other financial instruments whose credit
kreditnya tidak meningkat secara signifikan risk has not increased significantly since
sejak pengakuan awal. initial recognition.
Bank menganggap instrumen utang memiliki Bank considers debt instruments to have low
risiko kredit yang rendah ketika peringkat risiko credit risk when their credit risk rating is
kreditnya setara dengan definisi investment equivalent to the globally understood definition
grade yang dipahami secara global. of investment grade.
Kerugian kredit ekspektasian 12 bulan adalah 12-months expected credit loss is the part of
bagian dari kerugian kredit ekspektasian lifetime expected credit loss that represents the
sepanjang umurnya yang merepresentasikan expected credit loss arising from a financial
kerugian kredit ekspektasian yang timbul dari instrument default that may occur within 12-
peristiwa gagal bayar instrumen keuangan yang months after the reporting date.
mungkin terjadi dalam 12 bulan setelah tanggal
pelaporan.
Kerugian yang terjadi diakui pada laporan laba Losses are recognized in the statement of profit
rugi dan penghasilan komprehensif lain dan or loss and other comprehensive income and
dicatat pada akun cadangan kerugian recorded in an allowance for impairment losses
penurunan nilai sebagai pengurang terhadap as a deduction against financial assets
aset keuangan yang dicatat pada biaya recorded at amortized cost. If in the subsequent
perolehan diamortisasi. Jika pada periode period, the amount of the impairment loss
berikutnya, jumlah kerugian penurunan nilai decreases and the deduction can be attributed
berkurang dan pengurangan tersebut dapat objectively to events occurring after the
dikaitkan secara objektif pada peristiwa yang impairment has been recognized (such as an
terjadi setelah penurunan nilai diakui (seperti increase in the credit rating of the debtor or
meningkatnya peringkat kredit debitur atau issuer), the previously recognized impairment
penerbit), maka kerugian penurunan nilai yang loss should be recovered, by adjusting the
sebelumnya diakui harus dipulihkan, dengan allowance account. The recoverable amount of
menyesuaikan akun cadangan. Jumlah financial assets is recognized in the statement
pemulihan aset keuangan diakui pada laporan of profit or loss and other comprehensive
laba rugi dan penghasilan komprehensif lain income in the current period.
pada periode berjalan.
Kerugian kredit ekspektasian untuk instrumen The expected credit loss for debt instruments
utang yang diukur pada nilai wajar tidak measured at fair value does not reduce the
mengurangi nilai tercatat di dalam aset carrying value of the financial asset in the
keuangan di laporan posisi keuangan, yaitu nilai statement of financial position, which is fair
wajar. Kerugian kredit ekspektasian diakui value. Expected credit losses are recognized as
sebagai penambah dari penghasilan an addition to other comprehensive income in
komprehensif lain di dalam laporan posisi the statement of financial position.
keuangan.
33
Page 408
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Penerimaan kembali atas aset keuangan yang Recovery of written-off financial assets is
telah dihapusbukukan pada tahun berjalan credited in the current year by adjusting the
dikreditkan dengan menyesuaikan akun allowance for impairment losses account.
cadangan kerugian penurunan nilai. Recovery of financial assets written off in
Penerimaan kembali atas aset keuangan yang previous years are recorded as other operating
telah dihapusbukukan pada tahun-tahun income.
sebelumnya dicatat sebagai pendapatan
operasional lainnya.
Pengukuran kerugian kredit ekspektasian Measurement of expected credit losses
Kerugian kredit ekspektasian adalah estimasi Expected credit losses are the weighted
probabilitas tertimbang dari kerugian kredit probability estimate of credit losses measured
yang diukur sebagai berikut: as follows:
Aset keuangan yang tidak memburuk pada Financial assets that have not deteriorated at
tanggal pelaporan, kerugian kredit the reporting date, expected credit losses are
ekspektasian diukur sebesar selisih antara measured at the difference between the
nilai kini dari seluruh kekurangan kas (yaitu present value of all cash shortages (ie the
selisih antara arus kas yang terutang kepada difference between cash flows owed to the
Bank sesuai dengan kontrak dan arus kas Bank in accordance with the contract and cash
yang diperkirakan akan diterima oleh Bank); flows that are expected to be received by the
Bank);
Aset keuangan yang memburuk pada tanggal Financial assets that have deteriorated at the
pelaporan, kerugian kredit ekspektasian diukur reporting date, expected credit losses are
sebesar selisih antara jumlah tercatat bruto measured at the difference between the gross
dan nilai kini arus kas masa depan yang carrying amount and the present value of
diestimasi; estimated future cash flows;
Komitmen pinjaman yang belum ditarik, Undrawn loan commitments, expected credit
kerugian kredit ekspektasian diukur sebesar losses are measured as the difference
selisih antara nilai kini jumlah arus kas jika between the present value of total cash flows
komitmen ditarik dan arus kas yang if the commitments are withdrawn and the
diperkirakan akan diterima oleh Bank. cash flows expected to be received by the
Bank.
Aset keuangan yang direstrukturisasi Financial assets restructured
Jika ketentuan aset keuangan dinegosiasikan If the terms of financial assets are renegotiated
ulang atau dimodifikasi atau aset keuangan or modified or existing financial assets are
yang ada diganti dengan yang baru karena replaced with new ones because of the
kesulitan keuangan peminjam, maka dilakukan borrowe’'s financial difficulties, an assessment
penilaian apakah aset keuangan yang ada is made of whether the existing financial assets
harus dihentikan pengakuannya dan kerugian should be derecognized and the expected
kredit ekspektasian diukur sebagai berikut: credit losses are measured as follows:
Jika restrukturisasi tidak mengakibatkan If the restructuring does not result in
penghentian pengakuan aset yang ada, maka derecognition of the existing asset, the
arus kas yang diperkirakan yang timbul dari estimated cash flows arising from the modified
aset keuangan yang dimodifikasi dimasukkan financial asset are included in the calculation
dalam perhitungan kekurangan kas dari aset of the cash deficiency of the existing asset.
yang ada.
34
Page 409
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Aset keuangan yang direstrukturisasi (lanjutan) Financial assets restructured (continued)
Jika restrukturisasi akan menghasilkan If the restructuring will result in derecognition
penghentian pengakuan aset yang ada, maka of an existing asset, the fair value of the new
nilai wajar aset baru diperlakukan sebagai arus asset is treated as the final cash flow of the
kas akhir dari aset keuangan yang ada pada existing financial asset on derecognition. This
saat penghentian pengakuannya. Jumlah ini amount is included in the calculation of the
dimasukkan dalam perhitungan kekurangan cash shortfall of the existing financial asset
kas dari aset keuangan yang ada yang which is discounted from the derecognition
didiskontokan dari tanggal penghentian date to the reporting date using the original
pengakuan ke tanggal pelaporan effective interest rate of the existing financial
menggunakan suku bunga efektif awal dari asset.
aset keuangan yang ada.
Aset keuangan yang memburuk Deteriorating financial assets
Pada setiap tanggal pelaporan, Bank menilai At each reporting date, the Bank assesses
apakah aset keuangan yang dicatat pada biaya whether financial assets recorded at amortized
perolehan diamortisasi dan aset keuangan cost and debt financial assets recorded at fair
instrumen utang yang dicatat pada nilai wajar value through other comprehensive income are
melalui penghasilan komprehensif lain impaired (deteriorated). A financial asset
mengalami penurunan nilai kredit (memburuk). worsens when one or more events that have an
Aset keuangan memburuk ketika satu atau adverse effect on the estimated future cash
lebih peristiwa yang memiliki dampak flows of the financial asset have occurred.
merugikan atas estimasi arus kas masa depan
dari aset keuangan telah terjadi.
Bukti bahwa aset keuangan mengalami Evidence that a financial asset is impaired
penurunan nilai kredit (memburuk) termasuk (deteriorating) includes observable data
data yang dapat diobservasi mengenai regarding the following events:
peristiwa berikut ini:
Kesulitan keuangan signifikan yang dialami Significant financial difficulties experienced
penerbit atau pihak peminjam; by the issuer or borrower;
Pelanggaran kontrak, seperti peristiwa gagal Breaches of contract, such as events of
bayar atau peristiwa tunggakan; default or arrears;
Pihak pemberi pinjaman, untuk alasan The lender, for economic or contractual
ekonomik atau kontraktual sehubungan reasons in connection with the borrowe’'s
dengan kesulitan keuangan yang dialami pihak financial difficulties, has made concessions
peminjam, telah memberikan konsesi pada to the borrower that would not have been
pihak peminjam yang tidak mungkin diberikan possible if the borrower had not experienced
jika pihak peminjam tidak mengalami kesulitan such difficulties;
tersebut;
Terjadi kemungkinan bahwa pihak peminjam There is a possibility that the borrower will
akan dinyatakan pailit atau melakukan enter bankruptcy or other financial
reorganisasi keuangan lainnya; reorganization;
Hilangnya pasar aktif dari aset keuangan The disappearance of an active market for a
akibat kesulitan keuangan; financial asset because of financial
difficulties;
35
Page 410
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Aset keuangan yang memburuk (lanjutan) Deteriorating financial assets (continued)
Bukti bahwa aset keuangan mengalami Evidence that a financial asset is impaired
penurunan nilai kredit (memburuk) termasuk (deteriorating) includes observable data
data yang dapat diobservasi mengenai regarding the following events: (continued)
peristiwa berikut ini: (lanjutan)
Pembelian atau penerbitan aset keuangan Purchasing or issuing financial assets at a
dengan diskon sangat besar yang deep discount that reflects credit losses
mencerminkan kerugian kredit yang terjadi; incurred; or
atau
Sulit untuk mengidentifikasi peristiwa diskrit It is difficult to identify a single discrete event,
tunggal, namun demikian, dampak kombinasi however, the combined effect of several
dari beberapa peristiwa dapat menyebabkan events can cause a financial asset to be
aset keuangan mengalami penurunan nilai impaired on credit.
kredit.
Aset keuangan yang dibeli atau yang berasal Financial assets purchased or originated
dari aset keuangan memburuk (purchased or credit-impaired financial assets - (POCI)
originated credit-impaired financial assets -
POCI)
Aset keuangan dikategorikan sebagai POCI A financial asset is categorized as POCI if there
apabila terdapat bukti objektif penurunan nilai is objective evidence of impairment at initial
pada saat pengakuan awal. Pada saat recognition. At initial recognition, no allowance
pengakuan awal, tidak ada penyisihan kerugian for impairment losses is recognized because
kredit yang diakui karena harga pembelian atau the purchase price or value includes the
nilainya telah termasuk estimasi kerugian kredit estimated lifetime credit losses. Furthermore,
sepanjang umurnya. Selanjutnya, perubahan changes in impairment losses over their
kerugian kredit sepanjang umurnya, apakah lifetime, whether positive or negative, are
positif atau negatif, diakui dalam laporan laba recognized in the statement of profit or loss as
rugi sebagai bagian dari cadangan kerugian part of the allowance for impairment losses.
penurunan nilai.
Berdasarkan proses di atas, Bank melakukan Based on the above process, the Bank divides
pembagian atas aset keuangan atas stage 1, financial assets into stage 1, stage 2, stage 3
stage 2, stage 3 dan POCI, sebagai berikut: and POCI, as follows:
Stage 1: mencakup instrumen keuangan yang Stage 1: includes financial instruments that
tidak memiliki peningkatan risiko kredit secara do not have a significant increase in credit
signifikan sejak pengakuan awal atau memiliki risk since initial recognition or have low credit
risiko kredit rendah pada tanggal pelaporan. risk at the reporting date. For these financial
Untuk instrumen-instrumen keuangan ini, akan instruments, a 12-months ECL calculation
berlaku perhitungan ECL 12 bulan. Aset will apply. Financial assets in stage 1 include
keuangan di dalam stage 1 termasuk fasilitas facilities where credit risk has improved and
dimana risiko kredit telah membaik dan aset financial assets that can be reclassified from
keuangan dapat direklasifikasi dari stage 2. stage 2.
36
Page 411
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Berdasarkan proses di atas, Bank melakukan Based on the above process, the Bank divides
pembagian atas aset keuangan atas stage 1, financial assets into stage 1, stage 2, stage 3
stage 2, stage 3 dan POCI, sebagai berikut: and POCI, as follows: (continued)
(lanjutan)
Stage 2: mencakup instrumen keuangan yang Stage 2: includes financial instruments that
mengalami peningkatan risiko kredit sejak experience an increase in credit risk since
pengakuan awal (kecuali Bank merasa risiko initial recognition (unless the Bank feels
kredit tergolong rendah pada tanggal credit risk is low at the reporting date) but has
pelaporan) namun belum terbukti adanya bukti not been proven to have any objective
penurunan nilai secara objektif. Untuk evidence of impairment. For these
instrumen-instrumen ini, akan berlaku instruments, lifetime ECL calculations will
perhitungan ECL seumur hidup. ECL seumur apply. Lifetime ECL is the expected credit
hidup adalah kerugian kredit ekspektasian loss expected from all default events that
yang diharapkan dari semua kejadian gagal may occur during the estimated life of the
bayar yang mungkin terjadi selama perkiraan financial instrument. Stage 2 also includes
umur dari instrumen keuangan tersebut. Stage facilities where credit risk has improved and
2 juga mencakup fasilitas dimana risiko kredit financial assets have been reclassified from
telah membaik dan aset keuangan telah stage 3.
direklasifikasi dari stage 3.
Stage 3: mencakup instrumen keuangan yang Stage 3: includes financial instruments that
telah terbukti mengalami penurunan nilai have objective evidence of impairment at the
secara objektif pada tanggal pelaporan. reporting date. This group usually consists of
Kelompok ini biasanya terdiri atas debitur yang debtors who have defaulted on their
mengalami gagal bayar. Bank mencatat ECL payments. The Bank records lifetime ECL for
seumur hidup untuk stage 3. stage 3.
POCI: aset POCI adalah aset keuangan yang POCI: POCI assets are financial assets that
mengalami penurunan nilai berdasarkan are impaired based on a credit risk
penilaian risiko kredit pada saat pengakuan assessment on initial recognition. Such
awal. Aset tersebut dicatat pada nilai wajar assets are recorded at fair value on initial
pada saat pengakuan awal, dan pendapatan recognition, and interest income is
bunga akan diakui selanjutnya berdasarkan recognized subsequently using the adjusted
metode suku bunga efektif yang disesuaikan. effective interest rate method. ECL is only
ECL hanya dicatat atau dilepaskan jika ada recorded or released if there are further
perubahan selanjutnya pada kerugian kredit changes to expected credit losses.
ekspektasian.
Bank menghitung penurunan nilai melalui dua The Bank calculates impairment through two
metode, yaitu penurunan nilai secara individual methods, namely individual or collective
atau kolektif. Perhitungan penurunan nilai secara impairment. An individual impairment
individual dilakukan untuk aset keuangan yang calculation is performed for significant financial
signifikan dan memiliki kolektibilitas non- assets, with non-performing collectibility. Aside
performing. Selain itu, perhitungan penurunan from that, the calculation of impairment will be
nilai akan dilakukan secara kolektif. carried out collectively.
37
Page 412
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Penurunan nilai individual Individual impairment
Metode perhitungan penurunan nilai secara The method of calculating individual
individual akan mempertimbangkan beberapa impairment will consider several possible
skenario kemungkinan pengembalian. return scenarios. The scenario is created using
Pembuatan skenario dilakukan dengan the discounted cash flow (DCF) method and
menggunakan metode discounted cash flow considers the confidence level that reflects the
(DCF) dan mempertimbangkan confidence level conditions of the industry and the related
yang menggambarkan kondisi industri dan companies. The ECL generated by each
perusahaan terkait. ECL yang dihasilkan oleh scenario will be averaged weighted against the
masing-masing skenario akan dirata-ratakan weighted scenario that has been set.
secara tertimbang terhadap bobot skenario
yang telah diatur.
Penurunan nilai kolektif Collective impairment
Evaluasi penurunan nilai secara kolektif The evaluation of collective impairment is
didasarkan pada konsep probability of default based on the concepts of probability of default
(PD), loss given default (LGD), dan exposure at (PD), loss given default (LGD), and exposure
default (EAD) yang mempertimbangkan at default (EAD) which consider past, current
informasi masa lalu, terkini dan masa and future information.
mendatang.
Bank menggunakan model (i) observed default Bank uses the (i) observed default rate and
rate dan (ii) Vasicek maupun pendekatan (ii) Vasicek as well as other approaches in
lainnya dalam menentukan nilai PD dari setiap determining the PD value of each debtor.
debitur.
Bank menggunakan metode (i) historical, Bank uses the method (i) historical,
(ii) movement outstanding dan (iii) recovery rate (ii) movement outstanding and (iii) recovery
dalam menentukan nilai LGD dari setiap debitur. rate in determining the LGD value of each
LGD menggambarkan persentase nominal debtor. LGD describes the nominal percentage
fasilitas yang tidak akan dapat dipulihkan oleh of the facility that the Bank will not be able to
Bank terhadap debitur default. LGD biasa recover from the default debtor. The usual LGD
dihitung dengan 1-recovery rate. Recovery rate is calculated with a 1-recovery rate. The
dihitung dengan mempertimbangkan time value recovery rate is calculated by considering the
of money dari pengembalian kewajiban yang time value of money from the repayment of
telah default. Tingkat suku bunga yang default obligations. The interest rate used to
digunakan untuk menghitung time value of calculate the time value of money from
money dari recovery adalah suku bunga efektif recovery is the initial effective interest rate.
awal.
38
Page 413
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
k. Cadangan Kerugian Penurunan Nilai Aset k. Allowance for Impairment Losses on
Keuangan (lanjutan) Financial Assets (continued)
Penurunan nilai kolektif (lanjutan) Collective impairment (continued)
EAD merupakan estimasi nilai buku pada saat EAD is an estimate of the book value at the
terjadi gagal bayar, dengan mempertimbangkan time of default, considering the cash flows of
arus kas instrumen keuangan terkait, serta the related financial instrument, as well as the
kemungkinan penarikan tambahan dari limit possibility of additional drawdowns from the
kredit sampai dengan tanggal gagal bayar. EAD credit limit up to the date of default. EAD also
juga mempertimbangkan jadwal pembayaran considers payment and amortization
dan amortisasi serta perubahan dalam schedules as well as changes in the use of
penggunaan saldo yang belum ditarik outstanding balances prior to defaults. EAD
menjelang terjadinya kegagalan bayar. modeling will be carried out based on the
Pemodelan EAD akan dilakukan berdasarkan characteristics of the related financial
karakteristik dari instrumen keuangan terkait, instruments, which are divided into several
yang dibagi ke dalam beberapa kategori: categories: (i) installment loans, (ii) revolving
(i) kredit angsuran, (ii) kredit revolving, loans, (iii) treasury.
(iii) treasury.
Pengukuran ECL berdasarkan PSAK No. 71 ECL Measurement based on SFAS No. 71
mewajibkan Bank untuk membuat model ECL requires Banks to create ECL models in
sesuai dengan skenario forward-looking yang accordance with existing forward-looking
ada, dengan mempertimbangkan kemungkinan scenarios, with consideration of good and bad
ekonomi baik dan buruk. Oleh karena itu, nilai economic possibilities. Therefore, the ECL
ECL yang dihasilkan Bank harus berdasarkan value generated by the Bank must be based on
hasil probabilitas dari tiga skenario (normal, baik the probability results of three scenarios
dan buruk). PD akan dihitung menurut tiga (normal, good and bad). PD will be calculated
skenario dengan nilai makro-ekonomi sesuai according to three scenarios with macro-
dengan skenario-skenario tersebut. Bobot economic values according to these scenarios.
masing-masing skenario dapat disesuaikan The weight of each scenarios can be adjusted
seiring dengan perubahan kondisi ekonomi dan according to changes in economic conditions
diskresi Bank. and the Bank's discretion.
Penyajian cadangan kerugian kredit Presentation of allowance for expected credit
ekspektasian dalam laporan posisi keuangan loss in the statement of financial position
Cadangan kerugian kredit ekspektasian Allowance for expected credit losses is
disajikan dalam laporan posisi keuangan presented in the statement of financial position
sebagai berikut: as follows:
aset keuangan yang diukur pada biaya financial assets measured at amortized cost,
perolehan diamortisasi, cadangan kerugian the allowance for expected credit losses is
kredit ekspektasian disajikan sebagai presented as a deduction from the gross
pengurang dari jumlah tercatat bruto aset; carrying amount of the assets;
komitmen pinjaman dan kontrak jaminan loan commitments and financial guarantee
keuangan, umumnya cadangan kerugian contracts, generally an allowance for
kredit ekspektasian disajikan sebagai provisi; expected credit losses is presented as a
provision;
instrumen utang yang diukur pada nilai wajar debt instruments measured at fair value
melalui penghasilan komprehensif lain, through other comprehensive income,
cadangan kerugian kredit ekspektasian diakui allowance for expected credit losses is
dalam penghasilan komprehensif lain. recognized in other comprehensive income.
39
Page 414
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
l. Tagihan dan Liabilitas Akseptasi l. Acceptance Receivable and Payable
Tagihan dan liabilitas akseptasi merupakan Acceptance receivables and liabilities are letter
transaksi letter of credit (L/C) yang diaksep oleh of credit (L/C) transactions that are accepted by
bank pengaksep (accepting bank). the accepting bank.
Tagihan dan liabilitas akseptasi dinyatakan Acceptance receivable and payable are stated
sebesar biaya perolehan diamortisasi. Tagihan at amortized cost. Acceptance receivables are
akseptasi disajikan setelah dikurangi cadangan presented net of allowance for impairment
kerugian penurunan nilai. losses.
Tagihan akseptasi diklasifikasikan sebagai Acceptance receivables are classified as
biaya perolehan diamortisasi. Liabilitas amortized cost. Acceptance liabilities are
akseptasi diklasifikasikan sebagai liabilitas classified as financial liabilities at amortized
keuangan yang diukur dengan biaya perolehan cost.
diamortisasi.
m. Instrumen Derivatif m. Derivative Instruments
Seluruh instrumen derivatif dicatat dalam All derivative instruments are recognized in the
laporan posisi keuangan berdasarkan nilai statement of financial position at fair value. The
wajarnya. Nilai wajar tersebut ditentukan fair value is based on market rate, Reuters
berdasarkan harga pasar, kurs Reuters pada exchange rate at statement of financial position
tanggal pelaporan laporan posisi keuangan, date, discounted cash flows, price valuation or
diskonto arus kas, model penentu harga atau broker quoted price on other instruments with
harga yang diberikan oleh broker (quoted price) similar characteristics or price model.
atas instrumen lain yang memiliki karakteristik
atau model penentuan harga serupa.
Keuntungan atau kerugian dari kontrak derivatif Gain or loss on a derivative contract not
yang tidak ditujukan untuk lindung nilai secara designated as a hedging instrument (or
akuntansi (atau tidak memenuhi kriteria untuk derivative contract that does not qualify as a
dapat diklasifikasikan sebagai lindung nilai) hedging instrument) is recognized in the current
diakui pada laporan laba rugi dan penghasilan year statement of profit or loss and other
komprehensif lain tahun berjalan. comprehensive income.
n. Penurunan Nilai Aset Non Keuangan n. Impairment of Non-Financial Assets
Pada tanggal pelaporan, Bank menelaah nilai At reporting date, the Bank reviews the carrying
tercatat aset non-keuangan untuk menentukan amount of non-financial assets to determine
apakah terdapat indikasi bahwa aset tersebut whether there is any indication that those
telah mengalami penurunan nilai. Jika terdapat assets have suffered an impairment loss. If any
indikasi tersebut, nilai yang dapat diperoleh such indication exists, the recoverable amount
kembali dari aset diestimasi untuk menentukan of the asset is estimated in order to determine
tingkat kerugian penurunan nilai (jika ada). Bila the extent of the impairment loss (if any). Where
tidak memungkinkan untuk mengestimasi nilai it is not possible to estimate the recoverable
yang dapat diperoleh kembali atas suatu aset amount of an individual asset, the Bank
individu, Bank mengestimasi nilai yang dapat estimates the recoverable amount of the cash
diperoleh kembali dari unit penghasil kas atas generating unit to which the asset belongs.
aset.
40
Page 415
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
n. Penurunan Nilai Aset Non Keuangan n. Impairment of Non-Financial Assets
(lanjutan) (continued)
Perkiraan jumlah yang dapat diperoleh kembali Estimated recoverable amount is the higher of
adalah nilai tertinggi antara harga jual neto atau net selling price or value in use. If
nilai pakai. Jika jumlah yang dapat diperoleh the recoverable amount of a non-financial asset
kembali dari aset non-keuangan (unit penghasil (cash generating unit) is less than its carrying
kas) kurang dari nilai tercatatnya, nilai tercatat amount, the carrying amount of the asset (cash
aset (unit penghasil kas) dikurangi menjadi generating unit) is reduced to its recoverable
sebesar nilai yang dapat diperoleh kembali dan amount and an impairment loss is recognized
rugi penurunan nilai diakui langsung ke laba immediately in profit or loss.
rugi.
o. Agunan yang diambil alih o. Foreclosed Collateral
Agunan yang diambil alih (AYDA) merupakan Foreclosed collateral (AYDA) is collateral for
agunan kredit yang diberikan yang telah diambil loans that have been taken over as part of the
alih sebagai bagian dari penyelesaian kredit settlement of loans and are presented under
yang diberikan dan disajikan pada “Aset lain- “Other assets”.
lain”.
Agunan yang diambil alih sehubungan dengan Foreclosed collaterals acquired in settlement of
penyelesaian kredit diakui sebesar nilai neto loans are recognized at their net realizable
yang dapat direalisasi atau sebesar nilai values or stated at their carrying amount of
tercatat dari kredit, mana yang lebih rendah. loans, whichever is lower. Net realizable value
Nilai neto yang dapat direalisasi adalah nilai is the fair value of the collateral after deducting
wajar agunan setelah dikurangi estimasi biaya the estimated costs of disposal. The excess od
pelepasan. Kelebihan saldo kredit yang loan balances which has not been paid by
diberikan, yang belum dilunasi oleh peminjam debtors over the value of foreclosed collaterals
diatas nilai dari agunan yang diambil alih, is charged to provision for possible losses on
dibebankan sebagai cadangan kerugian loans in the current year. The difference
penurunan nilai pada tahun berjalan. Selisih between the value of the collateral and
antara nilai agunan yang diambil alih dengan the proceeds from sale thereof is recognized as
hasil penjualannya diakui sebagai keuntungan a gain or loss at the time of sale of the collateral.
atau kerugian pada saat penjualan agunan.
Manajemen mengevaluasi nilai agunan yang Management regularly evaluates the value of
diambil alih secara berkala. Nilai tercatat foreclosed collaterals. The carrying amount of
agunan yang diambil alih dikurangi bila terjadi foreclosed collaterals is written down if there is
penurunan nilai yang bersifat permanen. permanent decline in value.
p. Aset Tetap, Aset Hak Guna dan Liabilitas p. Fixed Assets, Right of Use Assets and Lease
Sewa Liabilities
Bank menggunakan model biaya sebagai The Bank uses the cost model for fixed assets
kebijakan akuntansi pengukuran aset tetapnya. measurement.
Aset tetap pemilikan langsung dinyatakan Directly acquired fixed assets are stated at cost,
berdasarkan biaya perolehan, dikurangi less accumulated depreciation and any
akumulasi penyusutan dan akumulasi rugi impairment value, if any.
penurunan nilai, jika ada.
41
Page 416
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
p. Aset Tetap, Aset Hak Guna dan Liabilitas p. Fixed Assets, Right of Use Assets and Lease
Sewa (lanjutan) Liabilities (continued)
Biaya perolehan awal aset tetap meliputi biaya The initial cost of fixed asset consists of its
perolehan, termasuk bea impor dan pajak purchased price, including import duties and
pembelian yang tidak boleh dikreditkan dan taxes and any directly attributable cost in
biaya-biaya yang dapat diatribusikan secara bringing the fixed assets to its working condition
langsung untuk membawa aset tetap ke lokasi and location for its intended use.
dan kondisi yang diinginkan sesuai dengan
tujuan penggunaan yang ditetapkan.
Penyusutan dihitung berdasarkan metode garis Depreciation is computed on a straight-line
lurus (straight-line method) selama masa method over the fixed assets useful lives as
manfaat aset tetap sebagai berikut: follows:
Masa manfaat/
Useful lives
Perangkat keras dan lunak 4 tahun/years Hardware and software
Perabotan dan peralatan kantor 4 tahun/years Office furniture and equipment
Leasehold improvement 2- 5 tahun/years Leasehold improvement
Kendaraan bermotor 4 tahun/years Vehicles
Nilai tercatat aset tetap ditelaah kembali dan Carrying value of fixed asset are evaluated and
dilakukan penurunan nilai apabila terdapat impaired if there is event or change of condition
peristiwa atau perubahan kondisi tertentu yang which indicate such carrying value cannot be
mengindikasikan nilai tercatat tersebut tidak fully recoverable.
dapat dipulihkan sepenuhnya.
Dalam setiap inspeksi yang signifikan, biaya When each major inspection is performed, its
inspeksi diakui dalam jumlah tercatat aset tetap cost is recognized in the carrying amount of
sebagai suatu penggantian apabila memenuhi the item of fixed assets as a replacement if
kriteria pengakuan. Biaya inspeksi signifikan the recognition criteria are satisfied. Such major
yang dikapitalisasi tersebut diamortisasi selama inspection is capitalized and amortized over
masa periode sampai dengan saat inspeksi the next major inspection activity.
signifikan berikutnya.
Aset tetap dihentikan pengakuannya pada saat Fixed assets are derecognized upon disposal
dilepaskan atau tidak ada manfaat ekonomis or when no future economic benefits are
masa depan yang diharapkan dari penggunaan expected from its use or disposal. When fixed
atau pelepasannya. Aset tetap yang dijual atau assets are sold or retired, the cost and related
dilepaskan, dikeluarkan dari kelompok aset accumulated depreciation and any impairment
tetap berikut akumulasi penyusutan serta loss are removed from the accounts. Any gains
akumulasi penurunan nilai yang terkait dengan or loss arising from derecognition of fixed
aset tetap tersebut. Laba atau rugi yang timbul assets (calculated as the difference between
dari penghentian pengakuan aset tetap the net disposal proceeds, if any, and
(ditentukan sebesar perbedaan antara jumlah the carrying amount of the item) is included in
neto hasil pelepasan, jika ada, dengan jumlah the statement of profit or loss and other
tercatat dari aset tetap tersebut) dan diakui comprehensive income in the year item is
dalam laporan laba rugi dan penghasilan derecognized.
komprehensif lain pada tahun terjadinya
penghentian pengakuan.
Pada setiap akhir tahun buku, Bank melakukan The residual values, useful lives and methods
penelaahan atas nilai residu, masa manfaat dan of depreciation of fixed asset are reviewed by
metode penyusutan dan disesuaikan secara Bank and adjusted prospectively, if appropriate,
prospektif. at the end of each year.
42
Page 417
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
p. Aset Tetap, Aset Hak Guna dan Liabilitas p. Fixed Assets, Right of Use Assets and Lease
Sewa (lanjutan) Liabilities (continued)
Sewa Leases
Bank menerapkan PSAK No. 73, “Sewa” untuk The Bank has implemented SFAS No. 73
seluruh sewa dengan mengakui aset hak guna “Leases” for all leases by recognizing rights of
dan liabilitas terkait, dengan 2 pengecualian use assets and related liabilities, with 2
yaitu aset pendasar bernilai rendah dan sewa exceptions, namely low-value underlying
jangka pendek. assets and short-term leases.
Pada tanggal insepsi suatu kontrak, Bank At the inception date of a contract, the Bank
menilai apakah suatu kontrak merupakan, atau assesses whether a contract constitutes, or
mengandung, sewa. Suatu kontrak merupakan, contains, a lease. A contract is, or contains, a
atau mengandung, sewa jika kontrak tersebut lease if it gives the right to control the use of an
memberikan hak untuk mengendalikan asset for a specified period of time in exchange
penggunaan suatu aset selama suatu jangka for a reward. To assess whether a contract
waktu tertentu untuk dipertukarkan dengan provides the right to control an identifying asset,
imbalan. Untuk menilai apakah suatu kontrak the Bank assesses whether:
memberikan hak untuk mengendalikan suatu
aset identifikasian, Bank menilai apakah:
i. kontrak melibatkan penggunaan suatu aset i. the contract involves the use of an
identifikasian; identifiable asset;
ii. Bank memiliki hak untuk memperoleh ii. The Bank has the right to obtain
secara substansial seluruh manfaat substantially all economic benefits from the
ekonomi dari penggunaan aset selama use of assets during the period of use; and
periode penggunaan; dan
iii. Bank memiliki hak untuk mengendalikan iii. The Bank has the right to control the
aset identifikasian dalam bentuk: identification assets in the form of:
Bank memiliki hak untuk Bank has the right to operate the
mengoperasikan aset; dan assets; and
Bank mempunyai hak untuk menetapkan Bank has the right to determine the
tujuan untuk aset yang akan digunakan. purpose for which the assets will be
used.
Pada tanggal insepsi atau pada saat penilaian At the inception date or at the time of
kembali suatu kontrak yang mengandung suatu revaluation of a contract containing a lease
komponen sewa, Bank mengalokasikan component, the Bank allocates the
imbalan dalam kontrak ke masing-masing consideration in the contract to each
komponen sewa berdasarkan harga tersendiri component of the lease based on the relative
relatif dari komponen sewa. Pembayaran sewa separate prices of the lease component. Lease
yang termasuk dalam pengukuran liabilitas payments that are included in the measurement
sewa meliputi: of lease liabilities include:
i. pembayaran lunas dimuka; i. prepayments;
ii. pembayaran angsuran tetap; dan ii. fixed installment payments; and
iii. pembayaran angsuran sewa secara iii. variable lease installment payments based
variabel yang bergantung pada fluktuasi on fluctuations in lease payments
pembayaran sewa yang ditetapkan oleh determined by the counterpart.
counterpart.
43
Page 418
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
p. Aset Tetap, Aset Hak Guna dan Liabilitas p. Fixed Assets, Right of Use Assets and Lease
Sewa (lanjutin) Liabilities (continued)
Sewa (lanjutan) Leases (continued)
Bank mengakui aset hak guna dan liabilitas Bank recognizes the rights of use assets and
sewa pada tanggal dimulainya sewa. Aset hak lease liabilities on the inception date of the
guna awalnya diukur pada biaya perolehan, lease. Rights of use assets are initially
yang terdiri dari jumlah pengukuran awal dari measured at cost, which consists of the initial
liabilitas sewa disesuaikan dengan measurement amount of the lease liabilities
pembayaran sewa yang dilakukan pada atau adjusted for lease payments made on or before
sebelum tanggal permulaan, ditambah dengan the inception date, plus the initial direct costs
biaya langsung awal yang dikeluarkan. incurred.
Setelah tanggal permulaan, aset hak guna After the commencement date, rights of use
diukur pada biaya perolehan. Aset hak guna assets are measured using the cost basis.
diukur sebesar harga perolehan dikurangi Rights of use assets are measured at cost less
akumulasi depresiasi dan akumulasi penurunan accumulated depreciation and accumulated
nilai serta disesuaikan dengan pengukuran impairment losses and adjusted for
kembali liabilitas sewa. Liabilitas sewa diukur remeasurement of lease liabilities. Lease
pada biaya perolehan diamortisasi liabilities are measured at amortized cost using
menggunakan suku bunga efektif. the effective interest rate.
Sewa jangka pendek dengan durasi kurang dari Short-term leases with a period less than 12
12 bulan dan sewa aset bernilai rendah, serta months and leases with low-value assets, as
elemen-elemen sewa tersebut, sebagian atau well as elements of the lease, partially or
seluruhnya, tidak menerapkan prinsip-prinsip completely, do not apply the recognition
pengakuan yang ditentukan oleh PSAK No. 73 principles prescribed by SFAS No. 73 will be
akan diperlakukan sama dengan sewa operasi treated the same as operating leases in SFAS
pada PSAK No. 30. Bank akan mengakui No. 30. Bank recognize the lease payments in
pembayaran sewa tersebut dengan dasar garis a straight-line basis over the lease term in the
lurus selama masa sewa dalam laporan laba statement of profit or loss and other
rugi dan penghasilan komprehensif lain dan comprehensive income and disclosed as
disajikan sebagai beban umum dan general and administrative expenses.
administrasi.
q. Beban Dibayar Dimuka q. Prepaid Expenses
Beban dibayar dimuka diamortisasi selama Prepaid expenses is amortized with useful life
masa manfaat masing-masing biaya dengan of each expenses using straight-line method.
menggunakan metode garis lurus.
r. Aset Lain-lain r. Other Assets
Aset lain-lain terdiri dari aset yang nilainya tidak Other assets represent assets that cannot be
dapat digolongkan dalam pos-pos sebelumnya. classified under the specific accounts.
Aset lain-lain disajikan sebesar nilai tercatat, Other assets are stated at carrying amount,
yaitu biaya perolehan setelah dikurangi which is cost less decline in value and
penurunan nilai dan cadangan kerugian allowance for impairment losses.
penurunan nilai.
44
Page 419
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
s. Liabilitas Segera s. Liabilities due immediately
Liabilitas segera adalah liabilitas Bank yang Liabilities due immediately is Bank’s obligation
harus segera dibayarkan kepada pihak lain to third parties based on contract that have to
berdasarkan kontrak atau perjanjian yang telah be settled immediately. Liabilities due
ditetapkan. Liabilitas segera disajikan sebesar immediately are stated at the amount payable
jumlah liabilitas Bank. by the Bank.
Liabilitas segera diklasifikasikan sebagai Liabilities due immediately are classified as
liabilitas keuangan yang diukur pada biaya financial liabilities at amortized cost.
perolehan diamortisasi.
t. Simpanan Nasabah dan Bank Lain t. Deposits from Customers and Other Banks
Simpanan nasabah adalah dana yang Deposits from customers are the funds placed
dipercayakan oleh masyarakat (selain bank) by customers (excluding banks) to the Bank
kepada Bank berdasarkan perjanjian based on fund deposit agreements. Included in
penyimpanan dana. Termasuk dalam akun ini this account are current accounts, saving
adalah giro, tabungan, deposito berjangka, deposits, time deposits, certificates of deposits
sertifikat deposito dan bentuk lain yang dapat and other forms which are similar.
dipersamakan dengan itu.
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent Iiabilities
terhadap bank lain dalam bentuk giro, interbank to other bank, in the form of current accounts,
call money dan deposito berjangka. interbank call money and time deposits.
Simpanan dari nasabah dan bank lain Deposits from customers and other banks
diklasifikasikan sebagai liabilitas keuangan are classified as financial liabilities at amortized
yang diukur dengan biaya perolehan cost. Incremental costs directly attributable to
diamortisasi. Biaya tambahan yang dapat the acquisition of deposit from customers and
diatribusikan secara langsung dengan other banks are deducted from the amount of
perolehan simpanan nasabah dan bank lain deposits.
dikurangkan dari jumlah simpanan yang
diterima.
u. Pendapatan dan Beban Bunga u. Interest Income and Expenses
Pendapatan dan beban bunga diakui dalam Interest income and expenses are recognized
laba rugi menggunakan metode suku bunga in profit or loss using the effective interest
efektif. Suku bunga efektif adalah suku bunga method. The effective interest rate is the rate
yang secara tepat mendiskontokan estimasi that exactly discounts the estimated future cash
pembayaran dan penerimaan kas di masa payments and receipts through the expected
datang selama perkiraan umur dari aset life of the financial asset or liability (or, where
keuangan atau liabilitas keuangan (atau, jika appropriate, a shorter period) to the carrying
lebih tepat, digunakan periode yang lebih amount of the financial asset or liability. When
singkat) untuk memperoleh nilai tercatat dari calculating the effective interest rate, the Bank
aset keuangan atau liabilitas keuangan. Pada estimates future cash flows considering all
saat menghitung suku bunga efektif, Bank contractual terms of the financial instrument but
mengestimasi arus kas di masa datang dengan not future credit losses.
mempertimbangkan seluruh persyaratan
kontraktual dalam instrumen keuangan
tersebut, tetapi tidak mempertimbangkan
kerugian kredit di masa mendatang.
45
Page 420
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
u. Pendapatan dan Beban Bunga (lanjutan) u. Interest Income and Expenses (continued)
Perhitungan suku bunga efektif mencakup The calculation of the effective interest rate
biaya transaksi dan seluruh imbalan/provisi dan includes transaction costs and all fees and
bentuk lain yang dibayarkan atau diterima yang points paid or received that are an integral part
merupakan bagian tak terpisahkan dari suku of the effective interest rate.
bunga efektif.
Jika aset keuangan atau nilai kelompok aset If a financial asset or group of similar financial
keuangan serupa telah diturunkan sebagai assets’ value has diminished as a result of
akibat kerugian penurunan nilai, maka impairment losses, interest income
pendapatan bunga yang diperoleh setelahnya subsequently obtained is recognized based on
diakui berdasarkan suku bunga yang digunakan the interest rate used to discount future cash
untuk mendiskonto arus kas masa datang flows in calculating impairment losses.
dalam menghitung kerugian penurunan nilai.
v. Provisi dan Komisi v. Fees and Commission
Pendapatan provisi dan komisi yang berkaitan Fees and commission directly related to lending
langsung dengan kegiatan perkreditan, atau activities, or signicant fees and commission
pendapatan provisi dan komisi yang income which relate to a specific period, are
berhubungan dengan jangka waktu tertentu amortized over the term of the contract using
yang jumlahnya signifikan, diamortisasi sesuai the effective interest rate method and classified
dengan jangka waktu kontrak menggunakan as part of interest income in the statement of
metode suku bunga efektif dan diklasifikasikan profit or loss and other comprehensive income.
sebagai bagian dari pendapatan bunga pada These fees includes the provision and
laporan laba rugi dan penghasilan commission.
komprehensif lain. Pendapatan ini mencakup
provisi dan komisi.
Provisi dan komisi yang tidak berkaitan Fees and commissions that are not directly
langsung dengan kegiatan perkreditan atau related to either lending activities or specific
jangka waktu tertentu yang jumlahnya time periods that significant, are amortized over
signifikan, diamortisasi menggunakan metode the term of the contract using the straight line
garis lurus sesuai dengan jangka waktu method. While fees and commissions that are
transaksi yang bersangkutan. Sedangkan not significant, recognized at the transaction
provisi dan komisi yang tidak signifikan diakui date as part of fees and commission other than
pada saat transaksi sebagai bagian dari provisi loans. These fees and commissions include
dan komisi selain kredit. Provisi dan komisi ini fees from issuance of bank guarantee and other
meliputi pendapatan terkait dengan penerbitan fees which recognized at the services are
bank garansi dan pendapatan yang diakui pada received.
saat jasa diberikan.
w. Perpajakan w. Taxation
Beban pajak kini ditentukan berdasarkan Current tax expense is provided based on
estimasi penghasilan kena pajak untuk tahun the estimated taxable income for the year and
yang bersangkutan dan dihitung menggunakan calculated using the appropriate tax rate.
tarif pajak yang berlaku.
Dalam menentukan jumlah pajak kini dan In determining the amount of current and
tangguhan, Bank memperhitungkan dampak deferred tax, the Bank takes into account
atas posisi pajak yang tidak pasti dan tambahan the impact of uncertain tax positions and any
pajak serta penalti. Hal ini termasuk juga additional taxes and penalties. This includes
melakukan evaluasi terhadap surat ketetapan evaluation on tax assessment letters received
pajak yang diterima dari kantor pajak. from tax authorities.
46
Page 421
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
w. Perpajakan (lanjutan) w. Taxation (continued)
Aset dan liabilitas pajak tangguhan diakui atas Deferred tax assets and liabilities are
perbedaan temporer antara aset dan liabilitas recognized for temporary differences between
untuk tujuan komersial dan untuk tujuan the commercial and the tax bases of assets and
perpajakan setiap tanggal pelaporan. liabilities at reporting date.
Liabilitas pajak tangguhan diakui atas semua Deferred tax liabilities are recognized for all
perbedaan temporer kena pajak. Aset pajak taxable temporary differences. Deferred tax
tangguhan diakui atas semua perbedaan assets are recognized for all deductible
temporer yang dapat dikurangkan dan saldo temporary differences and carry-forward
rugi pajak yang belum digunakan, apabila balance of unused tax losses, to the extent that
besar kemungkinannya bahwa jumlah laba it is probable that future taxable income will be
fiskal di masa datang akan memadai untuk sufficient to be applied against the deductible
dikompensasi dengan perbedaan temporer temporary differences and unused tax losses
yang dapat dikurangkan dan saldo rugi fiskal can be utilized.
yang belum digunakan.
Aset dan liabilitas pajak tangguhan dihitung Deferred tax assets and liabilities are measured
dengan menggunakan tarif pajak (dan at the tax rates (and tax laws) that are effective
peraturan pajak) yang berlaku atau yang secara or substantially expected to apply to the year
substansial diberlakukan pada tahun dimana when the asset is realized or the liability is
aset tersebut direalisasikan atau liabilitas settled. Changes in the carrying amount of
tersebut diselesaikan. Perubahan nilai tercatat deferred tax assets and liabilities due to a
aset dan liabilitas pajak tangguhan yang change in tax rates are credited or charged to
disebabkan oleh perubahan tarif pajak current year operations, except to the extent
dibebankan pada tahun berjalan, kecuali untuk that they relate to items previously charged or
transaksi-transaksi yang sebelumnya telah credited to equity.
langsung dibebankan atau dikreditkan ke
ekuitas.
Aset pajak tangguhan disajikan neto setelah Deferred tax assets are presented net of
dikurangi dengan liabilitas pajak tangguhan deferred tax liabilities in the statement of
dalam laporan posisi keuangan. Pemanfaatan financial position. The utilization of deferred tax
aset pajak tangguhan oleh Bank tergantung assets recognized by the Bank is dependent
pada laba kena pajak di masa yang akan upon future taxable profit.
datang.
Koreksi terhadap liabilitas perpajakan dicatat Amendments to taxation obligations are
pada saat diterimanya surat ketetapan, atau recorded when an assessment is received or, if
apabila diajukan permohonan keberatan atau objected or appealed against, when the results
banding, ketika hasil keberatan atau banding of the objection or appeal have been
sudah ditetapkan. determined.
x. Liabilitas Imbalan Kerja x. Employee Benefits Liability
Imbalan kerja jangka panjang dan imbalan Long-term benefit and post-employment benefit
pasca kerja, seperti pensiun, uang pisah, uang liabilities, such as pension, severance, cash
kompensasi dan hak-hak lainnya dihitung compensation and other rights are calculated
berdasarkan Peraturan Perusahaan dan based on the Company Regulation and
termasuk sebagai program imbalan pasti. classified as defined benefit program.
Liabilitas imbalan kerja merupakan nilai kini The employee benefit liability is the present
liabilitas imbalan pasti pada tanggal laporan value of the defined benefit obligation at
posisi keuangan dikurangi dengan nilai wajar the financial position date less the fair value of
aset program. Nilai kini liabilitas imbalan pasti plan assets. The defined benefit obligation is
dihitung oleh aktuaris independen dengan calculated by independent actuaries using the
menggunakan metode projected unit credit. projected unit credit method.
47
Page 422
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
x. Liabilitas Imbalan Kerja (lanjutan) x. Employee Benefits Liability (continued)
Nilai kini liabilitas imbalan pasti ditentukan The present value of the defined benefit
dengan mendiskontokan estimasi arus kas obligation is determined by discounting
masa depan dengan menggunakan tingkat the estimated future cash outflows using
bunga obligasi pemerintah dalam mata uang interest rates of government bonds that are
Rupiah sesuai dengan mata uang dimana denominated in the currency in which the
imbalan tersebut akan dibayarkan dan yang benefit will be paid, and that have terms to
memiliki jangka waktu yang sama dengan maturity approximating the terms of the related
liabilitas imbalan pensiun yang bersangkutan. pension liability.
Seluruh biaya jasa lalu diakui pada saat yang All past service costs are recognized at
lebih dulu antara ketika amandemen/ the earlier of when the amendment/ curtailment
kurtailmen terjadi atau ketika biaya occurs and when the related restructuring or
restrukturisasi atau pemutusan hubungan kerja termination costs are recognized. As a result,
diakui. Sebagai akibatnya, biaya jasa lalu yang unvested past service costs can no longer be
belum vested tidak lagi dapat ditangguhkan dan deferred and recognized over the future vesting
diakui selama periode vesting masa depan. period.
Bunga neto atas imbalan pasti neto merupakan Net interest on 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 on the effect of asset
aset. ceiling.
Pengukuran kembali liabilitas imbalan pasti Remeasurements 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 on the net defined
bunga neto atas liabilitas imbalan pasti benefit obligation
neto
- setiap perubahan dampak batas atas aset, - any change in effect of the asset ceiling,
tidak termasuk jumlah yang dimasukkan excluding amount included in net interest on
dalam bunga neto atas liabilitas imbalan the net defined benefit obligation.
pasti neto.
Pada bulan April 2022, DSAK IAI (Dewan In April 2022, DSAK IAI (Institute of Indonesia
Standar Akuntansi Keuangan Ikatan Akuntan Chartered Accountants’ Accounting Standard
Indonesia) menerbitkan materi penjelasan Board) issued an explanatory material through
melalui siaran pers atas persyaratan a press release regarding attribution of benefits
pengatribusian imbalan pada periode jasa to periods of service in accordance with SFAS
sesuai PSAK 24: Imbalan Kerja yang diadopsi 24: Imbalan Kerja which was adopted from IAS
dari IAS 19 Employee Benefits. Materi 19 Employee Benefits. The explanatory
penjelasan tersebut menyampaikan informasi material conveyed the information that the fact
bahwa pola fakta umum dari program pensiun pattern of the pension program based on the
berbasis undang-undang ketenagakerjaan Labor Law currently enacted in Indonesia is
yang berlaku di Indonesia saat ini memiliki pola similar to those responded and concluded in
fakta serupa dengan yang ditanggapi dan the IFRS Intepretation Committee (IFRIC)
disimpulkan dalam IFRS Intepretation Agenda Decision Attributing Benefit to Periods
Committee (“IFRIC”) Agenda Decision of Service (IAS 19). Bank has adopted the said
Attributing Benefit to Periods of Service (IAS explanatory material and recognized the
19). Bank telah menerapkan materi penjelasan impact to current year’s profit or loss.
tersebut dan mengakui dampaknya ke laba rugi
tahun berjalan.
48
Page 423
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
x. Liabilitas Imbalan Kerja (lanjutan) x. Employee Benefits Liability (continued)
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek seperti upah, cuti Short-term employee benefits such as wages,
jangka pendek, bonus dan imbalan non- short-term compensated leaves, bonuses and
moneter lainnya diakui selama periode jasa other non-monetary benefits are recognized
diberikan. Imbalan kerja jangka pendek dihitung during the period when services are rendered.
sebesar jumlah yang tidak didiskontokan. Short-term employee benefits are measured
using undiscounted amounts.
y. Informasi Segmen Operasi y. Operating Segment Information
Informasi segmen diungkapkan untuk Segment information is disclosed to enable
memungkinkan pengguna laporan keuangan users of financial statement to evaluate
untuk mengevaluasi sifat dan dampak the nature and financial effects of the business
keuangan dari aktivitas bisnis yang mana Bank activities in which the Bank is involved in and
terlibat dalam lingkungan ekonomi dimana the economic environment where the Bank
Bank beroperasi. operates.
Bank menentukan dan menyajikan segmen The Bank determines and present operating
operasi berdasarkan informasi yang secara segments based on the information that is
internal diberikan kepada pengambil internally provided to the chief operating
keputusan operasional. Pengambil keputusan decision maker. The Bank’s chief operating
operasional Bank adalah Direksi. decision maker is the Board of Directors.
Segmen operasi adalah suatu komponen dari An operating segment is a component of
Bank: the Bank:
a. yang terlibat dalam aktivitas bisnis yang a. that engages in business activities from
mana memperoleh pendapatan dan which it may earn revenues and incur
menimbulkan beban (termasuk pendapatan expenses (including revenues and
dan beban terkait dengan transaksi dengan expenses relating to transactions with
komponen lain dari Bank); other components of the Bank);
b. hasil operasinya dikaji ulang secara regular b. whose operating results are reviewed
oleh pengambil keputusan operasional regularly by the Bank’s chief operating
untuk membuat keputusan tentang sumber decision maker to make decisions about
daya yang dialokasikan pada segmen resources to be allocated to the segment
tersebut dan menilai kinerjanya; dan and assess its performance; and
c. tersedia informasi keuangan yang dapat c. for which discrete financial information
dipisahkan. is available.
Informasi yang dilaporkan kepada pengambil Information reported to chief operating decision
keputusan operasional untuk tujuan alokasi maker to allocate resource and its performance
sumber daya dan penilaian kinerjanya lebih evaluation are focused on each product
difokuskan pada kategori masing-masing category, similar to the operating segment
produk, yang mana serupa dengan segmen reported in prior periods.
usaha yang dilaporkan pada periode-periode
terdahulu.
49
Page 424
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
z. Provisi z. Provisions
Provisi diakui jika Bank memiliki liabilitas kini Provisions are recognized when the Bank has
(baik bersifat hukum maupun bersifat a present obligation (legal or constructive)
konstruktif) yang akibat peristiwa masa lalu, where, as a result of a past event, it is probable
besar kemungkinannya besar penyelesaian that the settlement of obligation cause an
kewajiban tersebut mengakibatkan arus keluar outflow of resources embodying economic
sumber daya yang mengandung manfaat benefits will be required to settle the obligation
ekonomi dan estimasi yang andal mengenai and a reliable estimate can be made of
jumlah kewajiban tersebut dapat dibuat. the amount of the obligation.
Jumlah yang diakui sebagai provisi adalah hasil Provision recognized at the best estimation of
estimasi terbaik pengeluaran yang diperlukan expenditure required to settle the present
untuk menyelesaikan kewajiban kini pada liabilities at the reporting date, after determining
tanggal pelaporan, dengan mempertimbangkan the risk and uncertainty of such liabilities. When
risiko dan ketidakpastian terkait kewajiban provision measured using cash flow estimation
tersebut. Ketika provisi diukur menggunakan to settle the present liabilities, then the carrying
estimasi arus kas untuk menyelesaikan value of the provision is the present value of
kewajiban kini, maka nilai tercatat provisi cash flows.
adalah nilai kini arus kas tersebut.
Jika sebagian atau seluruh pengeluaran untuk If some or entire expenditure to settle
menyelesaikan provisi diganti oleh pihak ketiga, the provision are reimbursed by third party, then
maka penggantian itu diakui hanya pada saat the reimbursement are recognized only if there
timbul keyakinan bahwa penggantian pasti is assurance that such reimbursement will be
akan diterima dan jumlah penggantian dapat certainly received and the amount can be
diukur dengan andal. measured reliably.
aa. Biaya emisi saham aa. Shares issuance costs
Biaya emisi saham yang terjadi sehubungan Shares issuance costs related to the public
dengan penawaran saham umum kepada offering of shares are deducted from
masyarakat dikurangkan langsung dari hasil the proceeds and presented as a deduction
emisi dan disajikan sebagai pengurang pada from the “Additional Paid-in-Capital - Net”
akun “Tambahan Modal Disetor - Neto”, account, under Equity section in the statement
sebagai bagian dari Ekuitas pada laporan posisi of financial position.
keuangan.
ab. Laba per lembar saham ab. Earnings per share
Laba per saham dasar dihitung dengan Earnings per share is computed by dividing
membagi laba tahun berjalan dengan rata-rata income for the year with the weighted average
tertimbang jumlah saham biasa yang number of outstanding issued are fully paid-up
ditempatkan dan disetor penuh selama tahun common shares during the year.
yang bersangkutan.
50
Page 425
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
ac. Perubahan kebijakan akuntansi dan ac. Change in accounting policies and
pengungkapan disclosures
Bank telah menerapkan standar akuntansi The Bank adopted the following accounting
berikut pada tanggal 1 Januari 2023 yang standards, which are considered relevant,
dianggap relevan: starting on January 1, 2023:
Amandemen PSAK No. 1: Penyajian Amendment of SFAS No. 1: Presentation
laporan keuangan - Pengungkapan of financial statement - Disclosure of
Kebijakan Akuntansi accounting policies
Amandemen ini memberikan panduan untuk This amendments provide guidance to
membantu entitas menerapkan help entities apply materiality judgements
pertimbangan materialitas dalam to accounting policy disclosures. The
pengungkapan kebijakan akuntansi. amendments aim to help entities provide
Amandemen tersebut bertujuan untuk accounting policy disclosures that are
membantu entitas menyediakan more useful by replacing the requirement
pengungkapan kebijakan akuntansi yang for entities to disclose their ‘significant’
lebih berguna dengan mengganti accounting policies with a requirement to
persyaratan dalam mengungkapkan disclose their ‘material’ accounting policies
kebijakan akuntansi signifikan entitas and adding guidance on how entities apply
menjadi persyaratan untuk mengungkapkan the concept of materiality in making
kebijakan akuntansi 'material' entitas dan decisions about accounting policy
menambahkan panduan tentang disclosures.
bagaimana entitas menerapkan konsep
materialitas dalam membuat keputusan
tentang pengungkapan kebijakan akuntansi.
Amandemen tersebut berdampak pada The amendments have had an impact on
pengungkapan kebijakan akuntansi Bank, the Bank’s disclosures of accounting
namun tidak berdampak pada pengukuran, policies, but not on the measurement,
pengakuan atau penyajian item apa pun recognition or presentation of any items in
dalam laporan keuangan Bank. the Bank’s financial statements.
Amendemen PSAK No. 16: Aset Tetap - Amendment of SFAS No. 16: Fixed Assets
Hasil sebelum Penggunaan yang - Proceeds before Intended Use
Diintensikan
Amandemen ini tidak memperbolehkan The amendments prohibit entities from
entitas untuk mengurangi suatu hasil deducting from the cost of an item of fixed
penjualan item yang diproduksi saat assets, any proceeds from selling items
membawa aset tersebut ke lokasi dan produced while bringing that asset to the
kondisi yang diperlukan supaya aset dapat location and condition necessary for it to
beroperasi sesuai dengan intensi be capable of operating in the manner
manajemen dari biaya perolehan suatu aset intended by management. Instead, an
tetap. Sebaliknya, entitas mengakui hasil entity recognizes the proceeds from selling
dari penjualan item-item tersebut, dan biaya such items, and the costs of producing
untuk memproduksi item-item tersebut, those items, in the profit or loss.
dalam laba rugi.
51
Page 426
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICY INFORMATION (continued)
ac. Perubahan kebijakan akuntansi dan ac. Change in accounting policies and
pengungkapan (lanjutan) disclosures (continued)
Bank telah menerapkan standar akuntansi The Bank adopted the following accounting
berikut pada tanggal 1 Januari 2023 yang standards, which are considered relevant,
dianggap relevan: (lanjutan) starting on January 1, 2023: (continued)
Amendemen PSAK No. 16: Aset Tetap - Amendment of SFAS No. 16: Fixed Assets
Hasil sebelum Penggunaan yang - Proceeds before Intended Use
Diintensikan (lanjutan) (continued)
Bank menerapkan amandemen tersebut The Bank applies the amendments
secara retrospektif hanya untuk aset tetap retrospectively only to items of fixed assets
yang dibuat supaya aset siap digunakan made available for use on or after the
pada atau setelah awal periode penyajian beginning of the earliest period presented
paling awal ketika entitas pertama kali when the entity first applies the
menerapkan amandemen tersebut. amendment.
Amandemen PSAK No. 25: Kebijakan Amendment of SFAS No. 25: Accounting
Akuntansi, Perubahan Estimasi Akuntansi, Policies, Changes in Accounting
dan Kesalahan terkait Definisi Estimasi Estimates and Errors - Definition of
Akuntansi Accounting Estimates
Amandemen PSAK No. 25 memperjelas The amendments to SFAS No. 25 clarify
perbedaan antara perubahan estimasi the distinction between changes in
akuntansi, perubahan kebijakan akuntansi accounting estimates, changes in
dan koreksi kesalahan. Amandemen juga accounting policies and the correction of
mengklarifikasi bagaimana entitas errors. They also clarify how entities use
menggunakan teknik pengukuran dan input measurement techniques and inputs to
untuk mengembangkan estimasi akuntansi. develop accounting estimates.
Amandemen PSAK No. 46: Pajak Amendment of SFAS No. 46: Income
Penghasilan - Pajak Tangguhan Terkait Taxes - Deferred Tax related to Assets and
Aset dan Liabilitas Yang Timbul Dari Liabilities arising from a Single
Transaksi Tunggal Transaction
Amandemen PSAK No. 46 Pajak The amendments to SFAS No. 46 Income
Penghasilan mempersempit ruang lingkup Taxes narrow the scope of the initial
pengecualian pengakuan awal, sehingga recognition exception, so that it no longer
tidak lagi berlaku pada transaksi yang applies to transactions that give rise to
menimbulkan perbedaan temporer dapat equal taxable and deductible temporary
dikurangkan dalam jumlah yang sama dan differences such as leases and
perbedaan temporer kena pajak dan seperti decommissioning liabilities.
sewa dan liabilitas dekomisioning.
Bank telah menganalisa penerapan standar The Bank has assessed that the adoption of
akuntansi tersebut di atas dan penerapan the above-mentioned accounting standards do
tersebut tidak memiliki pengaruh yang signifikan not have significant impact to the financial
terhadap laporan keuangan. statements.
52
Page 427
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN ESTIMATES AND ASSUMPTIONS
Pertimbangan yang signifikan Significant judgments
Penyusunan laporan keuangan Bank The preparation of the Bank’s financial statements
mengharuskan manajemen untuk membuat requires management to make judgments,
pertimbangan, estimasi dan asumsi yang estimates and assumptions that affect the reported
mempengaruhi jumlah yang dilaporkan dari amounts of revenues, expenses, assets and
pendapatan, beban, aset dan liabilitas, dan liabilities, and the disclosure of contingent liabilities,
pengungkapan atas liabilitas kontinjensi, pada akhir at the end of the reporting period. Uncertainty about
periode pelaporan. Ketidakpastian mengenai these assumptions and estimates could result in
asumsi dan estimasi tersebut dapat mengakibatkan outcomes that require a material adjustment to
penyesuaian material terhadap nilai tercatat aset the carrying amounts of the asset and liability
dan liabilitas dalam periode pelaporan berikutnya. affected in future periods.
Usaha yang berkelanjutan Going concern
Manajemen Bank telah melakukan penilaian atas The Bank’s management has made an assessment
kemampuan Bank untuk melanjutkan kelangsungan of the Bank’s ability to continue as a going concern
usahanya dan berkeyakinan bahwa Bank memilki and is satisfied that the Bank has the resources to
sumber daya untuk melanjutkan usahanya di masa continue its business for the foreseeable future.
mendatang. Selain itu, manajemen Bank tidak Furthermore, the management is not aware of any
mengetahui adanya ketidakpastian material yang material uncertainties that may cast significant doubt
dapat menimbulkan keraguan yang signifikan to the Bank’s ability to continue as a going concern.
terhadap kemampuan Bank untuk melanjutkan Therefore, the financial statements continues to be
usahanya. Oleh karena itu, laporan keuangan telah prepared on the going concern basis.
disusun atas dasar usaha yang berkelanjutan.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and liabilities
Bank telah menetapkan klasifikasi aset dan liabilitas The Bank has determined the classification of
tertentu sebagai aset keuangan dan liabilitas certain assets and liabilities as financial assets and
keuangan dengan mempertimbangkan apakah financial liabilities by considering whether the
definisi yang ditetapkan PSAK No. 71 telah definitions set at SFAS No. 71 have been met.
dipenuhi. Dengan demikian, aset dan liabilitas Accordingly, the financial assets and liabilities are
keuangan diakui sesuai dengan kebijakan akuntansi accounted for in accordance with the Bank’s
Bank seperti diungkapkan pada Catatan 2. accounting policies disclosed in Note 2.
Penilaian instrumen keuangan Valuation of financial instruments
Pengukuran nilai wajar Bank dibahas di The Bank’s fair value measurements is discussed
Catatan 40. in Note 40.
Dalam menentukan nilai wajar atas aset In determining the fair value for financial assets and
keuangan dan liabilitas keuangan dimana liabilities for which there is no observable market
tidak terdapat harga pasar yang dapat price, the Bank should use the valuation techniques
diobservasi, Bank harus menggunakan teknik as described in Note 40. For financial instruments
penilaian seperti dijelaskan pada Catatan 40. Untuk that are trade infrequently and have little price
instrumen keuangan yang jarang diperdagangkan transparency, fair value is less objective, and
dan tidak memiliki harga yang transparan, nilai requires varying degrees of judgment depending on
wajarnya menjadi kurang obyektif dan karenanya, liquidity, concentration, uncertainly of market
membutuhkan tingkat pertimbangan yang beragam, factors, pricing assumptions and other risks
tergantung pada likuiditas, konsentrasi, affecting the specific instrument.
ketidakpastian faktor pasar, asumsi penentuan
harga, dan risiko lainnya yang mempengaruhi
instrumen tertentu.
53
Page 428
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Pertimbangan yang signifikan (lanjutan) Significant judgments (continued)
Penilaian instrumen keuangan (lanjutan) Valuation of financial instruments (continued)
Bila nilai wajar aset keuangan dan liabilitas When the fair values of financial assets and financial
keuangan yang tercatat pada laporan posisi liabilities recorded on the statement of financial
keuangan tidak tersedia di pasar aktif, nilainya position cannot be derived from active markets, they
ditentukan dengan menggunakan berbagai teknik are determined using a variety of valuation
penilaian termasuk penggunaan model matematika. techniques that include the use of mathematical
Masukan (input) untuk model ini berasal dari data models. The inputs to these models are derived from
pasar yang bisa diamati sepanjang data tersebut observable market data where possible. But when
tersedia. Bila data pasar yang bisa diamati tersebut observable market data are not available,
tidak tersedia, pertimbangan manajemen diperlukan management’s judgment is required to establish fair
untuk menentukan nilai wajar. values.
Pertimbangan manajemen tersebut mencakup The management’s judgments include
pertimbangan likuiditas dan masukan model seperti considerations of liquidity and model inputs such as
volatilitas untuk transaksi derivatif yang berjangka volatility for long-term derivatives and discount rates,
waktu panjang dan tingkat diskonto, tingkat early payment rates and default rate assumptions.
pelunasan dipercepat dan asumsi tingkat gagal
bayar.
Bank menyajikan nilai wajar atas instrumen The Bank present the fair value of financial
keuangan berdasarkan hirarki nilai wajar sebagai instruments based on the following fair value
berikut: hierarchy:
1. Level 1 - harga kuotasian (tanpa penyesuaian) 1. Level 1 - quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas yang active markets for identical assets or liabilities;
identik;
2. Level 2 - teknik penilaian di mana tingkat level 2. Level 2 - valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to the fair
pengukuran nilai wajar dapat diobservasi baik value measurement is directly or indirectly
secara langsung atau tidak langsung; dan observable; and
3. Level 3 - teknik penilaian di mana tingkat level 3. Level 3 - valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to the fair
pengukuran nilai wajar tidak dapat diobservasi value measurement is directly or indirectly
baik secara langsung atau tidak langsung. unobservable.
Tujuan dari teknik penilaian adalah The objective of valuation techniques is to arrive at
penentuan nilai wajar yang mencerminkan harga a fair value determination that reflects the price of
dari instrumen keuangan pada tanggal pelaporan the financial instrument at the reporting date that
yang akan ditentukan oleh para partisipan di pasar would have been determined by market participants
dalam suatu transaksi yang wajar. acting at arm’s length.
Penurunan nilai instrumen keuangan Impairment losses on financial instruments
Bank menelaah aset keuangan mereka pada nilai The Bank reviews their financial assets at fair value
wajar melalui penghasilan komprehensif lain dan through other comprehensive income and financial
aset keuangan pada biaya diamortisasi berdasarkan assets at amortized cost under SFAS No. 71 which
PSAK No. 71 yang mengharuskan untuk mengakui required to recognize the expected credit loss at
kerugian kredit ekspektasian pada setiap tanggal each reporting date to reflect changes in credit risk
pelaporan untuk mencerminkan perubahan risiko of the financial assets not at fair value through profit
kredit dari aset keuangan tidak pada nilai wajar or loss. SFAS No. 71 incorporates forward-looking
melalui laba rugi. PSAK No. 71 menggabungkan and historical, current and forecasted information
informasi forward-looking dan historis, terkini dan into expected credit loss estimation.
yang diperkirakan ke dalam estimasi kerugian kredit
ekspektasian.
54
Page 429
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Estimasi dan asumsi akuntansi yang signifikan Significant accounting estimates and
(lanjutan) assumptions (continued)
Penurunan nilai instrumen keuangan (lanjutan) Impairment losses on financial instruments
(continued)
Estimasi-estimasi ini didasarkan pada asumsi- These estimates are based on assumptions about a
asumsi tentang sejumlah faktor dan hasil aktual number of factors and actual results may differ, as
yang mungkin berbeda, yang tercermin dalam reflected in changes in the future provision for
perubahan di masa mendatang atas penyisihan impairment losses.
penurunan nilai tersebut.
Nilai tercatat instrumen keuangan serta cadangan The carrying value of financial instruments and
kerugian penurunan nilai diungkapkan dalam allowance for impairment losses are disclosed in
Catatan 6, 7, 8, 10, 12, 16 dan 24. Notes 6, 7, 8, 10, 12, 16 and 24.
Perkiraan masa manfaat dari aset tetap Estimated useful lives of fixed assets
Bank melakukan penelahaan secara tahunan The Bank reviews on an annual basis the estimated
mengenai taksiran masa manfaat dari aset tetap useful lives of fixed assets based on expected
berdasarkan penggunaan yang diharapkan seperti utilization as anchored on business plans and
yang disebutkan pada rencana bisnis dan strategi strategies that also consider expected future
yang juga mempertimbangkan perkembangan technological developments and market behavior. It
teknologi masa depan dan perilaku pasar. Ada is possible that future results of operations could be
kemungkinan bahwa hasil operasi masa depan materially affected by changes in these estimates
dapat secara material terpengaruh oleh perubahan brought about by changes in the factors mentioned.
perkiraan ini yang disebabkan oleh perubahan A reduction in the estimated useful lives of fixed
dalam faktor-faktor yang disebutkan. Penurunan assets would increase the recorded depreciation
estimasi masa manfaat aset tetap akan expense and decrease fixed assets. The estimated
meningkatkan beban penyusutan yang dicatat dan useful lives of fixed assets are disclosed in Note 2.
menurunkan aset tetap. Taksiran masa manfaat dari
aset tetap diungkapkan dalam Catatan 2.
Nilai tercatat aset tetap diungkapkan dalam The carrying values of fixed assets are disclosed in
Catatan 15. Note 15.
Menentukan jangka waktu kontrak dengan opsi Determine the term of the contract with the option to
perpanjangan dan penghentian kontrak - Bank extend and terminate the contract - the Bank is the
sebagai lessee lessee
Bank menentukan jangka waktu sewa sebagai The Bank determines the lease term as the term of
jangka waktu sewa yang tidak dapat dibatalkan, the lease that non-cancellable, along with the period
bersama dengan periode yang dicakup oleh opsi covered by the option to extend the lease if it is
untuk memperpanjang masa sewa jika dipastikan certain to be exercised, or any period covered by the
akan dilaksanakan, atau periode apa pun yang option to terminate the lease, if it is reasonably
dicakup oleh opsi untuk menghentikan sewa, jika reasonable not to do so.
cukup wajar untuk tidak dilakukan.
55
Page 430
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI 3. SIGNIFICANT ACCOUNTING JUDGMENT,
AKUNTANSI YANG SIGNIFIKAN (lanjutan) ESTIMATES AND ASSUMPTIONS (continued)
Estimasi dan asumsi akuntansi yang signifikan Significant accounting estimates and
(lanjutan) assumptions (continued)
Menentukan jangka waktu kontrak dengan opsi Determine the term of the contract with the option to
perpanjangan dan penghentian kontrak - Bank extend and terminate the contract - the Bank is the
sebagai lessee (lanjutan) lessee (continued)
Bank memiliki beberapa kontrak sewa yang The Bank has several lease contracts which include
mencakup opsi perpanjangan dan penghentian an option to extend and terminate the lease term.
jangka waktu sewa. Bank menerapkan penilaian The Bank applies its judgment in evaluating whether
dalam mengevaluasi pakah dapat dipastikan jika it can be ascertained if it will exercise the option to
akan menggunakan opsi untuk memperpanjang extend or terminate the lease. This is done by
atau menghentikan sewa. Hal tersebut dilakukan considering all relevant facts and circumstances that
dengan mempertimbangkan seluruh fakta dan provide economic incentives to extend or terminate
keadaan yang relevan yang memberikan insetif the lease. After the commencement date, the Bank
ekonomi untuk melakukan perpanjangan atau reassesses the lease term, if there is a significant
penghentian sewa. Setelah tanggal dimulainya, event or change in circumstances which is under its
Bank menilai kembali masa sewa, jika terdapat control and affects whether the lessee is certain
peristiwa atau perubahan signifikan dalam keadaan enough to exercise the option to extend or terminate
yang berada dalam kendali dan mempengaruhi the lease.
apakah lessee cukup pasti untuk mengeksekusi opsi
memperpanjang atau menghentikan sewa.
Pengakuan aset pajak tangguhan Recognition of deferred tax assets
Aset pajak tangguhan diakui untuk seluruh rugi fiskal Deferred tax assets are recognized for all unused
dan perbedaan temporer sepanjang besar tax losses and temporary differences to the extent
kemungkinan bahwa penghasilan kena pajak akan that it is probable that taxable profit will be available
tersedia sehingga kerugian dapat dimanfaatkan. against which the losses can be utilized. Significant
Pertimbangan manajemen yang signifikan juga management judgment is required to determine the
diperlukan untuk menentukan jumlah dari aset pajak amount of deferred tax assets that can be
tangguhan yang dapat diakui, berdasarkan saat recognized, based upon the likely timing and level of
penggunaan dan tingkat penghasilan kena pajak future taxable profits together with future tax
serta strategi perencanaan pajak masa depan. planning strategies.
Pengakuan aset pajak tangguhan diungkapkan The recognized deferred tax assets is disclosed in
dalam Catatan 21. Note 21.
Nilai kini liabilitas imbalan kerja Present value of employee benefit liabilities
Liabilitas imbalan kerja ditentukan menggunakan The employee benefit liabilities is determined using
penilaian aktuaria. Penilaian aktuarial melibatkan actuarial valuations. The actuarial valuation involves
pembuatan asumsi mengenai tingkat diskonto, making assumptions about discount rates, expected
tingkat pengembalian dari aset yang diharapkan, rates of return on assets, future salary increases,
peningkatan gaji di masa depan, tingkat kematian mortality rates and future pension increases. Due to
dan peningkatan jumlah pensiun di masa depan. the long term nature of these plans, such estimates
Karena sifat jangka panjang rencana-rencana ini, are subject to significant uncertainty.
estimasi memiliki ketidakpastian yang signifikan.
Detail dari asumsi yang digunakan dalam The details of the assumptions used in
perhitungan dan nilai kini dari liabilitas imbalan kerja the calculation and present value of employee
diungkapkan dalam Catatan 22. benefit liabilites is disclosed in Note 22.
56
Page 431
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
4. KAS 4. CASH
Kas terdiri dari: Cash consists of the following:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 66.797 94.918 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 2.694 3.499 United States Dollar
Dolar Singapura 1.379 500 Singapore Dollar
Yen Jepang 236 118 Japanese Yen
Euro Eropa 153 49 European Euro
Dolar Australia 61 42 Australian Dollar
Dolar Hong Kong 71 2 Hong Kong Dollar
Renminbi China 172 - Chinese Renminbi
4.766 4.210
Total 71.563 99.128 Total
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 1.547.584 1.360.379 Rupiah
Dolar Amerika Serikat 52.421 31.135 United States Dollar
Total 1.600.005 1.391.514 Total
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, GWM are
2022, GWM dihitung sesuai dengan Peraturan Bank calculated in accordance with Bank Indonesia
Indonesia (PBI) No. 20/3/PBl/2018 tanggal Regulation (PBI) No. 20/3/PBl/2018 dated March
29 Maret 2018, sebagaimana telah diubah terakhir 29, 2018, as last amended by PBI No.
kali oleh PBI No. 24/4/PBI/2022 tanggal 25 Februari 24/4/PBI/2022 dated February 25, 2022. The PBI is
2022. PBI tersebut dijelaskan oleh Peraturan further explained by the Regulation of Members of
Anggota Dewan Gubernur (PADG) No. the Board of Governors (PADG)
20/10/PADG/2018 tanggal 31 Mei 2018, 20/10/PADG/2018 dated May 31, 2018, as last
sebagaimana telah diubah terakhir kali oleh PADG amended by PADG No. 24/8/2022 dated June 30,
No. 24/8/2022 tanggal 30 Juni 2022 tentang 2022 explaining the implementation of the GWM in
peraturan pelaksanaan pemenuhan GWM dalam rupiah and forreign currencies for conventional
rupiah dan valuta asing bagi bank umum commercial banks, sharia banks, and sharia
konvensional, bank umum syariah, dan unit usaha business units effective as September 1, 2022. The
syariah yang berlaku pertanggal 1 September 2022. Macroprudential Liquidity Buffer Ratio (PLM) is
Rasio Penyangga Likuiditas Makroprudensial (PLM) calculated in accordance with PBI
dihitung sesuai dengan PBI No. 20/4/PBl/2018 No. 20/4/PBl/2018 dated March 29, 2018, as last
tanggal 29 Maret 2018, sebagaimana telah diubah amended by PBI No. 24/16/PBI/2022 dated October
terakhir kali oleh PBI No. 24/16/PBI/2022 tanggal 31 31,2022. The PBI is further explained by PADG
Oktober 2022. PBI tersebut dijelaskan melalui No. 21/22/PADG/2019 dated November 28, 2019,
PADG No. 21/22/PADG/2019 tanggal as last amended to PADG No. 18 Tahun 2023 dated
28 November 2019, sebagaimana telah diubah November 29, 2023.
terakhir kali menjadi PADG No. 18 Tahun 2023
tanggal 29 November 2023.
57
Page 432
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Berdasarkan PBI No. 20/4/PBI/2018 tanggal Based on PBI No. 20/4/PBI/2018 dated March 29,
29 Maret 2018, sebagaimana telah diubah terakhir 2018, as last amended by PBI No. 24/16/PBI/2022
kali oleh PBI No. 24/16/PBI/2022 tanggal 31 Oktober dated October 31, 2022. The PBI is further
2022. PBI tersebut dijelaskan oleh PADG No. explained by PADG No. 21/22/PADG/2019 dated
21/22/PADG/2019 tanggal 28 November 2019, November 28, 2019, as last amended by PADG No.
sebagaimana telah diubah terakhir kali menjadi 24/14/PADG/2022 dated October 31, 2022. The
PADG No. 24/14/PADG/2022 tanggal 31 Oktober term of Loan to Funding Ratio (LFR) changed to
2022. Penyebutan Loan to Funding Ratio (LFR) Macroprudential Intermediation Ratio (RIM) and
berubah menjadi Rasio Intermediasi RIM’s current account fulfillment obligations took
Makroprudensial (RIM) dan kewajiban pemenuhan effect on July 16, 2018. RIM’s current account is the
Giro RIM mulai berlaku pada tanggal 16 Juli 2018. minimum savings that must be maintained by a
Giro RIM adalah simpanan minimum yang wajib Bank in the form of a current account with Bank
dipelihara oleh Bank dalam bentuk saldo rekening Indonesia at a certain percentage of TPF which is
giro pada Bank Indonesia sebesar persentase calculated based on the difference between RIM
tertentu dari DPK yang dihitung berdasarkan selisih owned by the Bank and RIM Target.
antara RIM yang dimiliki Bank dan RIM Target.
Persentase Giro Wajib Minimum (GWM) Bank The percentage of the Bank’s minimum statutory
dalam Rupiah pada tanggal 31 Desember 2023 dan reserves in Rupiah as of December 31, 2023 and
2022 adalah sebagai berikut (tidak diaudit): 2022, are as follows (unaudited):
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
GWM Primer 15,87% 17,61% Primary GWM
(i) GWM secara harian 8,03% 8,81% Daily GWM (i)
(ii) GWM secara rata-rata 7,84% 8,80% Average GWM (ii)
GWM PLM 13,54% 17,43% GWM PLM
Giro RIM 73,23% 74,35% RIM current account
Mata uang asing Foreign currencies
(i) GWM secara harian 6,24% 4,58% Daily GWM (i)
(ii) GWM secara rata-rata 6,24% 4,58% Average GWM (ii)
Pada tanggal 31 Desember 2023 dan 2022 Bank As of December 31, 2023 and 2022, Bank has not
tidak memenuhi ketentuan RIM sehingga dikenakan fulfilled the RIM therefore disincentive was imposed
disinsentif berupa pemenuhan tambahan saldo giro in form of additional fulfillment of RIM current
RIM. account balance.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, the Bank has
2022, Bank telah memenuhi ketentuan Bank complied with Bank Indonesia regulations
Indonesia tentang Giro Wajib Minimum. concerning the minimum reserve requirements.
Informasi mengenai sisa jangka waktu atas giro Information regarding maturities of current accounts
pada Bank Indonesia diungkapkan pada with Bank Indonesia is disclosed in Note 39.
Catatan 39.
58
Page 433
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Pada tanggal-tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, based on the
sesuai dengan peraturan Anggota Dewan Gubernur above Governor Council Member and Bank
dan Bank Indonesia tersebut di atas, Bank harus Indonesia regulations, the Bank is required to
memenuhi persyaratan GWM dan PLM sebesar: maintain GWM and PLM amounting to:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
GWM Primer 9,00% 9,00% Primary GWM
(i) GWM secara harian 0,00% 0,00% Daily GWM (i)
(ii) GWM secara rata-rata 9,00% 9,00% Average GWM (ii)
GWM PLM 5,00% 6,00% GWM PLM
Mata uang asing 4,00% 4,00% Foreign currencies
(i) GWM secara harian 2,00% 2,00% Daily GWM (i)
(ii) GWM secara rata-rata 2,00% 2,00% Average GWM (ii)
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 70.483 59.847 PT Bank Central Asia Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 230 246 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 100 245 PT Bank Mandiri (Persero) Tbk
Lain-lain 6 7 Others
70.819 60.345
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 47.463 40.121 (Persero) Tbk
PT Bank Central Asia Tbk 30.706 51.995 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 15.373 10.040 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 8.469 8.422 PT Bank Mandiri (Persero) Tbk
PT Bank Danamon PT Bank Danamon
Indonesia Tbk 28 31 Indonesia Tbk
PT Bank DBS Indonesia 7 7 PT Bank DBS Indonesia
Dolar Singapura Singapore Dollar
DBS Bank Ltd, Singapura 221 3.547 DBS Bank Ltd, Singapore
Yen Jepang Japanese Yen
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 1.396 116 (Persero) Tbk
Pound Sterling Inggris Great Britain Pound Sterling
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 167 559 (Persero) Tbk
Dolar Australia Australian Dollar
PT Bank ANZ Indonesia 804 395 PT Bank ANZ Indonesia
Dolar Hong Kong Hong Kong Dollar
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 368 387 (Persero) Tbk
59
Page 434
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Mata uang asing (lanjutan) Foreign currencies (continued)
Euro Eropa European Euro
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 2.650 1.220 (Persero) Tbk
Renminbi China Chinese Renminbi
PT Bank Mandiri (Persero) Tbk 429 - PT Bank Mandiri (Persero) Tbk
Total 178.900 177.185 Total
Cadangan kerugian
penurunan nilai (7) (6) Allowance for impairment losses
Neto 178.893 177.179 Net
Mutasi nilai tercatat giro pada bank lain dengan Movement of the carrying value of current accounts
klasifikasi biaya perolehan diamortisasi (semua giro with other banks classified as amortized cost (all
pada bank lain dengan klasifikasi biaya perolehan current accounts with other banks classified as
diamortisasi adalah stage 1) adalah sebagai berikut: amortized cost are stage 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 177.185 217.418 Beginning balance
Aset keuangan yang baru dibeli 357.978 559.297 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (362.582) (605.424) Financial assets derecognized
Selisih kurs dan Foreign exchange and other
perubahan lain 6.319 5.894 movements
Saldo akhir 178.900 177.185 Ending balance
Mutasi cadangan kerugian penurunan nilai giro pada Movement of the allowance for impairment losses of
bank lain dengan klasifikasi biaya perolehan current accounts with other banks classified as
diamortisasi (semua giro pada bank lain dengan amortized cost (all current accounts with other banks
klasifikasi biaya perolehan diamortisasi adalah classified as amortized cost are stage 1) are as
stage 1) adalah sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 6 - Beginning balance
Aset keuangan yang baru dibeli 1 6 New financial assets purchased
Saldo akhir 7 6 Ending balance
Manajemen berpendapat bahwa jumlah cadangan Management believes that the amount of allowance
kerugian penurunan nilai giro pada bank lain yang for impairment losses on current accounts with other
diberikan yang dibentuk telah memadai pada banks is adequate as of December 31, 2023 and
tanggal-tanggal 31 Desember 2023 dan 2022. 2022.
Seluruh giro pada bank lain pada tanggal-tanggal All current accounts with other banks as of
31 Desember 2023 dan 2022 diklasifikasikan lancar. December 31, 2023 and 2022 are classified as
current.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there were no
2022, tidak terdapat giro pada bank lain yang current accounts with other banks which were
dijadikan agunan oleh Bank. pledged as collateral by the Bank.
60
Page 435
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
Tingkat suku bunga rata-rata per tahun giro pada The average interest rates of current accounts with
bank lain adalah sebagai berikut: other banks per annum were as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Rupiah 0,61% 0,45% Rupiah
Dolar Amerika Serikat 0,94% 0,50% United States Dollar
Yen Jepang 0,00% 2,25% Japanese Yen
Euro Eropa 0,00% 1,50% European Euro
Pound Sterling Inggris 0,00% 1,50% Great Britain Pound Sterling
Dolar Hong Kong 0,00% 1,50% Hong Kong Dollar
Renminbi China 1,35% - China Renminbi
Informasi mengenai kualitas kredit dan sisa jangka Information with respect to credit quality and
waktu atas giro pada bank lain diungkapkan pada maturities of current accounts with other banks of
Catatan 39. the financial assets are disclosed in Note 39.
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN OTHER BANKS
Rincian penempatan pada Bank Indonesia dan bank The details of placements with Bank Indonesia and
lain adalah sebagai berikut: other banks are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
Fasilitas Simpanan Deposit Facility
Bank Indonesia (FASBI) 1.134.835 1.314.826 Bank Indonesia (FASBI)
Term Deposit BI - 899.793 Term Deposit BI
Call Money Call Money
PT Bank Artha Graha PT Bank Artha Graha
Internasional Tbk 300.000 - Internasional Tbk
PT Bank Syariah Indonesia Tbk 250.000 - PT Bank Syariah Indonesia Tbk
PT Bank Capital Indonesia Tbk 200.000 50.000 PT Bank Capital Indonesia Tbk
PT Bank Mega Syariah 200.000 - PT Bank Mega Syariah
PT Bank Nationalnobu Tbk 100.000 - PT Bank Nationalnobu Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Sulawesi Tenggara 100.000 - Sulawesi Tenggara
PT Bank MNC Internasional Tbk 100.000 PT Bank MNC Internasional Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Maluku dan Maluku Utara 100.000 - Maluku and Maluku Utara
PT Bank Victoria International Tbk 100.000 - PT Bank Victoria International Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Sulawesi Selatan 80.000 - Sulawesi Selatan
2.664.835 2.264.619
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
Term Deposit BI 508.327 576.136 Term Deposit BI
Total 3.173.162 2.840.755 Total
Cadangan kerugian
penurunan nilai (677) (59) Allowance for impairment losses
Neto 3.172.485 2.840.696 Net
61
Page 436
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
Jangka waktu penempatan pada Bank Indonesia The term of placements with Bank Indonesia and
dan bank lain adalah kurang dari 1 bulan. other banks are less than 1 month.
Suku bunga rata-rata tahunan untuk penempatan The annual average interest rate for placement with
pada Bank Indonesia dan bank lain adalah sebagai Bank Indonesia and other banks are as follows:
berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Rupiah Rupiah
Call Money 5,82% 4,06% Call Money
Term Deposit BI 5,60% 2,95% Term Deposit BI
Fasilitas Simpanan Bank Indonesia
Bank Indonesia (FASBI) 5,02% 2,91% Deposit Facility (FASBI)
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
Term Deposit BI 4,95% 4,32% Term Deposit BI
Mutasi nilai tercatat penempatan pada Bank Movement of carrying value of placements with
Indonesia dan bank lain dengan klasifikasi biaya Bank Indonesia and other banks classified as
perolehan diamortisasi (semua penempatan pada amortized cost (all placements with Bank Indonesia
Bank Indonesia dan bank lain dengan klasifikasi and other banks classified as amortized cost are
biaya perolehan diamortisasi adalah stage 1) adalah stage 1) are as follows:
sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 2.840.755 3.249.418 Beginning balance
Aset keuangan yang baru dibeli 3.172.439 2.839.945 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (2.840.998) (3.250.000) Financial assets derecognized
Selisih kurs dan Foreign exchange and other
perubahan lain 966 1.392 movements
Saldo akhir 3.173.162 2.840.755 Ending balance
Mutasi cadangan kerugian penurunan nilai Movement of allowance for impairment losses of
penempatan pada Bank Indonesia dan bank lain placements with Bank Indonesia and other banks
dengan klasifikasi biaya perolehan diamortisasi classified as amortized cost (all placements with
(semua penempatan pada Bank Indonesia dan bank Bank Indonesia and other banks classified as
lain dengan klasifikasi biaya perolehan diamortisasi amortized cost are stage 1) are as follows:
adalah stage 1) adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 59 389 Beginning balance
Aset keuangan yang baru dibeli 677 59 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (59) (389) Financial assets derecognized
Saldo akhir 677 59 Ending balance
62
Page 437
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
Manajemen berpendapat bahwa jumlah cadangan Management believes that the amount of allowance
kerugian penurunan nilai penempatan pada Bank for impairment losses on placement with Bank
Indonesia dan bank lain yang diberikan yang Indonesia and other banks is adequate as of
dibentuk telah memadai pada tanggal-tanggal December 31, 2023 and 2022.
31 Desember 2023 dan 2022.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, all of the
2022, seluruh penempatan pada Bank Indonesia placements with Bank Indonesia and other banks
dan bank lain digolongkan sebagai lancar. are classified as current.
Pada tanggal-tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there were no
tidak terdapat penempatan yang dijaminkan. placements pledged as collateral.
Informasi mengenai kualitas kredit dan sisa jangka Information with respect to credit quality and
waktu atas penempatan pada Bank Indonesia dan maturities placements with Bank Indonesia and
bank lain diungkapkan pada Catatan 39. other banks are disclosed in Note 39.
8. EFEK-EFEK 8. MARKETABLE SECURITIES
Efek-efek terdiri dari: Securities consist of:
a. Berdasarkan jenis a. By type
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Nilai wajar/ Nilai wajar/
Nilai tercatat/ Nilai tercatat/
Nilai nominal/ Fair value/ Nilai nominal/ Fair value/
Nominal value Carrying value Nominal value Carrying value
Biaya Perolehan diamortisasi Amortized cost
Rupiah Rupiah
Obligasi Korporasi 875.000 889.316 1.518.000 1.545.117 Corporate Bonds
Total - biaya perolehan
diamortisasi 875.000 889.316 1.518.000 1.545.117 Total - amortized cost
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi Pemerintah 1.132.769 1.205.782 1.837.814 1.989.150 Government Bonds
Obligasi Korporasi 2.051.319 2.046.485 1.346.000 1.357.910 Corporate Bonds
Mata uang asing Foreign currency
Obligasi Pemerintah 76.708 65.479 77.838 65.681 Government Bonds
Total nilai wajar melalui Total - fair value through
penghasilan komprehensif other comprehensive
lain 3.260.796 3.317.746 3.261.652 3.412.741 income
Nilai wajar melalui Fair value through
laba rugi profit or loss
Rupiah Rupiah
Obligasi Pemerintah 26.018 28.354 24.341 26.397 Government Bonds
Reksadana 100.000 107.011 100.000 102.005 Mutual Funds
Mata uang asing Foreign currency
Obligasi Pemerintah 26.098 27.194 15.568 12.940 Government Bonds
Total - nilai wajar melalui Total - fair value through
laba rugi 152.116 162.559 139.909 141.342 profit or loss
Total 4.287.912 4.369.621 4.919.561 5.099.200 Total
Dikurangi: cadangan Less: Allowance
kerugian penurunan nilai - (25) - (92) for impairment losses
Neto 4.287.912 4.369.596 4.919.561 5.099.108 Net
63
Page 438
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
b. Berdasarkan golongan penerbit efek-efek b. By corporate securities and mutual funds issuer
korporasi dan reksadana
31 Desember 2023/December 31, 2023
Nilai tercatat/Nilai wajar/
Carrying amount/Fair value
Nilai wajar
melalui
penghasilan
komprehensif Nilai wajar
lain/ melalui
Fair value laba rugi/
Biaya perolehan through other Fair value
diamortisasi/ comprehensive through
Amortized cost income profit or loss Jumlah/Total
Rupiah Rupiah
BUMN 793.354 1.435.775 - 2.229.129 State-owned enterprise
Bank 50.000 10.006 - 60.006 Banks
Lainnya 45.962 600.704 107.011 753.677 Others
Total 889.316 2.046.485 107.011 3.042.812 Total
31 Desember 2022/December 31, 2022
Nilai tercatat/Nilai wajar/
Carrying amount/Fair value
Nilai wajar
melalui
penghasilan
komprehensif Nilai wajar
lain/ melalui
Fair value laba rugi/
Biaya perolehan through other Fair value
diamortisasi/ comprehensive through
Amortized cost income profit or loss Jumlah/Total
Rupiah Rupiah
BUMN 1.148.094 970.605 - 2.118.699 State-owned enterprise
Bank 50.000 15.539 - 65.539 Banks
Lainnya 347.023 371.766 102.005 820.794 Others
Total 1.545.117 1.357.910 102.005 3.005.032 Total
64
Page 439
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
b. Berdasarkan peringkat efek obligasi korporasi b. By corporate securities issuer and mutual funds
dan reksadana
Efek-efek korporasi berdasarkan peringkat dari Corporate securities based on ratings from
PT Pemeringkat Efek Indonesia (PT Pefindo) PT Pemeringkat Efek Indonesia (PT Pefindo)
dan PT Fitch Ratings Indonesia adalah sebagai and PT Fitch Ratings Indonesia are as follows:
berikut:
Nilai tercatat/nilai wajar/
Carrying value/fair value
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Biaya perolehan diamortisasi Amortized cost
idAAA 575.519 804.094 idAAA
idAA+ 168.754 298.183 idAA+
AA 90.000 - AA
IdAA- 34.579 - idAA-
idAA 15.253 408.095 idAA
AAA 5.211 - AAA
idA - 34.745 idA
889.316 1.545.117
Nilai wajar melalui laba rugi Fair value through
penghasilan komprehensif lain other comprehensive income
idAAA 984.576 505.631 idAAA
idAA+ 381.230 177.898 idAA+
idA 274.055 473,790 idA
idCCC 137.959 - idCCC
idA+ 74.644 - idA+
idAA- 55.076 52.516 idAA-
AAA 49.698 - AAA
idAA 49.555 132.536 idAA
AA 29.686 - AA
idBBB 10.006 10.464 idBBB
idA- - 5.075 idA-
2.046.485 1.357.910
Fair value through
Nilai wajar melalui laba rugi profit or loss
Tanpa rating *) 107.011 102.005 Non-rated *)
*) *)
terdiri dari reksadana Consists of mutual funds
65
Page 440
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan obligasi pemerintah d. Based on government bonds
Nilai tercatat/Carrying value
31 Desember/ 31 Desember/
Tanggal jatuh tempo/ Suku bunga/ December 31, December 31,
Maturity date Interest rate 2023 2022
Suku bunga tetap/Fixed rate
Nilai wajar melalui penghasilan
komprehensif lain/ Fair value through
other comprehensive income
Rupiah
FR 0052 15 Agustus 2030/August 15, 2030 10,50% 116.977 115.974
FR 0101 15 April 2029/April 15, 2029 6,875% 354.521 -
ZH4398595 12 April 2024/April 12, 2024 5.75% 98.165 -
ZH7810711 26 April 2024/April 26, 2024 5.75% 97.968 -
FR 0058 15 Juni 2032/June 15, 2032 8,25% 83.550 82.209
FR 0075 15 Mei 2038/May 15, 2038 7,50% 74.608 297.502
FR 0050 15 Juli 2038/July 15, 2038 10,50% 58.222 62.230
FR 0045 15 Mei 2037/May 15, 2037 9,75% 55.638 56.530
FR 0040 15 September 2025/September 15, 2025 11,00% 32.129 33.399
FR 0091 15 April 2032/April 15, 2032 6,375% 31.656 65.377
FR 0054 15 Juli 2031/July 15, 2031 9,50% 23.395 23.049
FR 0071 15 Maret 2029/March 15, 2029 9,00% 19.593 20.022
FR 0078 15 Mei 2029/May 15, 2029 8,25% 15.076 7.324
FR 0081 15 Mei 2025/May 15, 2025 6,50% 12.960 -
FR 0079 15 April 2039/April 15, 2039 8,38% 11.492 315.166
FR 0068 15 Maret 2034/March 15, 2034 8,375% 11.433 224.764
FR 0080 15 Juni 2035/June 15, 2035 7,50% 10.692 162.884
FR 0083 15 April 2040/April 15, 2040 7,50% 10.685 37.062
FR 0082 15 September 2030/September 15, 2030 7,00% 10.632 23.218
FR 0098 15 Juni 2038/June 15, 2038 7,125% 10.461 -
FR 0096 15 Februari 2033/February 15, 2033 7,00% 10.353 -
FR 0087 15 Februari 2031/February 15, 2031 6,50% 9.971 31.474
FR 0095 15 Agustus 2033/August 15, 2033 6,375% 9.741 -
FR 0097 15 Juni 2043/June 15, 2043 7,125% 9.318 -
FR 0100 15 Februari 2043/February 15, 2043 6,625% 8.050 -
FR 0073 15 Mei 2031/May 15, 2031 8,75% 7.837 7.769
FR 0059 15 Mei 2027/May 15, 2027 7,00% 4.009 -
FR 0072 15 Mei 2036/May 15, 2036 8,25% 3.728 418.377
FR 0093 15 Juli 2037/July 15, 2037 6,375% 2.922 4.820
1.205.782 1.989.150
Suku bunga tetap/Fixed rate
Nilai wajar melalui penghasilan
komprehensif lain/ Fair value through
other comprehensive income
Mata uang asing/Foreign currency
INDON31N 28 Juli 2031/July 28, 2031 2,15% 51.943 51.760
INDON30O 14 Februari 2030/February 14, 2030 2,85% 13.536 13.921
65.479 65.681
66
Page 441
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan obligasi pemerintah (lanjutan) d. Based on government bonds (continued)
Nilai tercatat/Carrying value
31 Desember/ 31 Desember/
Tanggal jatuh tempo/ Suku bunga/ December 31, December 31,
Maturity date Interest rate 2023 2022
Suku bunga tetap/Fixed rate
Nilai wajar melalui laba rugi/
Fair value through profit or loss
Rupiah
FR 0095 15 Agustus 2028/August 15, 2028 6,375% 4.383 -
FR 0045 15 Mei 2037/May 15, 2037 9,75% 2.718 532
FR 0050 15 Juli 2038/July 15, 2038 10,50% 2.646 2.540
FR 0052 15 Agustus 2030/August 15, 2030 10,50% 2.363 2.367
FR 0093 15 Juli 2037/July 15, 2037 6,375% 1.943 2.103
FR 0081 15 Juni 2025/June 15, 2028 6,50% 1.894 -
FR 0078 15 Mei 2029/May 15, 2029 8,25% 1.885 215
FR 0058 15 Juni 2032/June 15, 2032 8,25% 1.649 2.055
FR 0071 15 Maret 2029/March 15, 2029 9,00% 1.197 2.125
FR 0054 15 Juli 2031/July 15, 2031 9,50% 1.173 1.386
FR 0083 15 April 2040/April 15, 2040 7,50% 1.020 1.433
FR 0097 15 Juni 2043/June 15, 2043 7,125% 844 504
FR 0101 15 April 2029/April 15, 2029 6,875% 813 -
FR 0079 15 April 2039/April 15, 2039 8,375% 667 332
FR 0072 15 Mei 2036/May 15, 2036 8,25% 552 661
FR 0098 15 Juni 2038/June 15, 2038 7,125% 486 331
FR 0073 15 Mei 2031/May 15, 2031 8,75% 448 2.220
FR 0087 15 Februari 2031/February 15, 2031 6,50% 442 -
FR 0082 15 September 2030/September 15, 2030 7,00% 328 862
FR 0068 15 Maret 2034/March 15, 2034 8,375% 322 1.237
FR 0080 15 Juni 2035/June 15, 2035 7,50% 321 258
FR 0091 15 April 2032/April 15, 2032 6,375% 131 870
FR 0100 15 Februari 2034/February 15, 2034 6,625% 101 -
FR 0074 15 Agustus 2032/August 15, 2032 7,50% 28 3.904
FR 0075 15 Mei 2038/May 15, 2038 7,50% - 462
28.354 26.397
Suku bunga tetap/Fixed rate
Nilai wajar melalui laba rugi/
Fair value through profit or loss
Mata uang asing/Foreign currency
INDON35 12 Oktober 2035/October 12, 2035 8,50% 14.208 -
INDON31N 28 Juli 2031/July 28, 2031 2,15% 12.986 12.940
27.194 12.940
Total 1.326.809 2.094.168
e. Berdasarkan tingkat suku bunga rata-rata per e. Based on average interest rate per annum
tahun
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Rupiah Rupiah
Obligasi Pemerintah 7,95% 7,86% Government Bonds
Obligasi Korporasi 7,61% 7,74% Corporate Bonds
Dolar Amerika Serikat United States Dollar
Obligasi Pemerintah 4,20% 2,27% Government Bonds
67
Page 442
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
f. Mutasi nilai tercatat dan cadangan kerugian f. Movement of carrying amount and allowance for
penurunan nilai impairment losses
Mutasi nilai tercatat efek-efek dengan klasifikasi Movement of carrying value of securities
biaya perolehan diamortisasi (semua efek-efek classified as amortized cost (all securities
dengan klasifikasi biaya perolehan diamortisasi classified as amortized cost are stage 1) are as
adalah stage 1) adalah sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 1.545.117 1.112.443 Beginning balance
Pengukuran kembali (12.801) (14.730) Remeasurement
Aset keuangan yang baru dibeli - 517.404 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (643.000) (70.000) Financial assets derecognized
Saldo akhir 889.316 1.545.117 Ending balance
Mutasi cadangan kerugian penurunan nilai Movement of allowance of impairment losses of
efek-efek dengan klasifikasi biaya perolehan securities classified as amortized cost (all
diamortisasi (semua efek-efek dengan securities classified as amortized cost are stage
klasifikasi biaya perolehan diamortisasi adalah 1) are as follows:
stage 1) adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 92 10 Beginning balance
Pengukuran kembali (49) 24 Remeasurement
Aset keuangan yang baru dibeli - 59 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (18) (1) Financial assets derecognized
Saldo akhir 25 92 Ending balance
Mutasi nilai tercatat efek-efek dengan klasifikasi Movement of carrying value of securities
nilai wajar melalui penghasilan komprehensif classified as fair value through other
lain adalah sebagai berikut: comprehensive income are as follows:
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 3.412.741 - - 3.412.741 Beginning balance
Pengalihan ke Transfer to
Stage 1 (150.659) 150.659 - - Stage 1
Stage 2 - - - - Stage 2
Stage 3 - - - - Stage 3
Pengukuran kembali (91.149) (12.700) - (103.849) Remeasurement
Aset keuangan baru yang dibeli 1.460.319 - - 1.460.319 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (1.450.650) - - (1.450.650) Financial assets derecognized
Selisih kurs dan perubahan Foreign exchange and
lainnya pengakuannya (815) - - (815) other movements
Saldo akhir 3.179.787 137.959 - 3.317.746 Ending balance
68
Page 443
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
f. Mutasi nilai tercatat dan cadangan kerugian f. Movement of carrying amount and allowance for
penurunan nilai (lanjutan) impairment losses (continued)
Mutasi nilai tercatat efek-efek dengan klasifikasi Movement of carrying value of securities
nilai wajar melalui penghasilan komprehensif classified as fair value through other
lain adalah sebagai berikut: (lanjutan) comprehensive income are as follows:
(continued)
31 Desember 2022/December 31, 2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 2.842.080 - - 2.842.080 Beginning balance
Pengukuran kembali (92.272) (92.272) Remeasurement
Aset keuangan baru yang dibeli 1.808.652 - - 1.808.652 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (1.140.963) - - (1.140.963) Financial assets derecognized
Selisih kurs dan perubahan Foreign exchange and
lainnya pengakuannya (4.756) - - (4.756) other movements
Saldo akhir 3.412.741 - - 3.412.741 Ending balance
Mutasi cadangan kerugian penurunan nilai Movement of allowance of impairment losses of
efek-efek dengan klasifikasi nilai wajar melalui securities classified as fair value through other
penghasilan komprehensif lain adalah sebagai comprehensive income are as follows:
berikut:
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 731 - - 731 Beginning balance
Pengalihan ke Transfer to
Stage 1 (201) 201 - - Stage 1
Stage 2 - - - - Stage 2
Stage 3 - - - - Stage 3
Pengukuran kembali 40 11.237 - 11.277 Remeasurement
Aset keuangan baru yang dibeli - - - - New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (4) - - (4) Financial assets derecognized
Saldo akhir 566 11.438 - 12.004 Ending balance
31 Desember 2022/December 31, 2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 184 - - 184 Beginning balance
Pengukuran kembali (1) - - (1) Remeasurement
Aset keuangan baru yang dibeli 645 - - 645 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (97) - - (97) Financial assets derecognized
Saldo akhir 731 - - 731 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai efek-efek allowance for impairment losses on marketable
yang dibentuk telah memadai pada tanggal- securities is adequate as of December 31, 2023
tanggal 31 Desember 2023 dan 2022. and 2022.
69
Page 444
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
g. Informasi lain g. Other information
Perubahan keuntungan (kerugian) yang belum Unrealized gains (losses) from changes in fair
direalisasi atas perubahan nilai wajar dan values and allowance for of securities classified
cadangan atas efek-efek yang diklasifikasikan as fair value through other comprehensive
sebagai nilai wajar melalui penghasilan income are as follows:
komprehensif lain adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal, sebelum pajak Beginning balance,
tangguhan (75.138) (26.841) before deferred tax
Penambahan keuntungan
(kerugian) yang belum Increase in unrealized gain
direalisasi selama (loss) during
tahun berjalan 64.117 (48.844) the year
Penambahan cadangan Increase in allowance
kerugian penurunan nilai 11.273 547 for impairment losses
Total sebelum pajak tangguhan 252 (75.138) Total before deferred tax
Pajak tangguhan 2.589 16.691 Deferred tax
Saldo akhir 2.841 (58.447) Ending balance
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, all of the
2022, seluruh efek-efek adalah diterbitkan oleh marketable securities are issued by the third
pihak ketiga. parties.
Efek-efek berdasarkan kolektabilitas adalah Securities based on collectability are as follows:
sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Lancar 4.231.662 5.099.200 Current
Kurang lancar 137.959 - Substandard
Total 4.369.621 5.099.200 Total
Cadangan kerugian penurunan
nilai (25) (92) Allowance for impairment losses
Neto 4.369.596 5.099.108 Net
Pada tanggal 31 Desember 2023 terdapat As of December 31, 2023 there were securities
transaksi efek-efek yang dijual dengan janji transaction sold under repurchase agreement
dibeli kembali dengan nilai nominal sebesar with nominal amount of Rp250,000 (Notes 20).
Rp250.000 (Catatan 20).
Pada tanggal 31 Desember 2022 terdapat surat As of December 31, 2022 government bonds
utang negara dalam transaksi efek-efek yang under transaction securities sold under
dijual dengan janji dibeli kembali dengan nilai repurchase agreement with nominal amount of
nominal sebesar Rp900.000 (Catatan 20). Rp900,000 (Note 20).
Informasi mengenai sisa jangka waktu dan Information regarding maturities and credit
kualitas kredit atas efek-efek diungkapkan quality of marketable securities is disclosed in
masing-masing pada Catatan 39. Note 39.
70
Page 445
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER RESALE
DIJUAL KEMBALI AGREEMENTS
31 Desember/December 31, 2023
Pendapatan
Nilai bunga yang
penjualan belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortized Carrying
Counterparty Type of securities amount Starting date Due date amount interest value
Pihak ketiga/
Third parties
Obligasi Pemerintah 300.000 27 Desember/ 3 Januari/ 287.673 (144) 287.529
Bank Indonesia VR 0034_A/ December 27, January 3,
Government bonds 2023 2024
VR 0034_A
Obligasi Pemerintah 200.000 27 Desember/ 3 Januari/ 191.782 (96) 191.686
Bank Indonesia VR 0034_A/ December 27, January 3,
Government bonds 2023 2024
VR 0034_A
Obligasi Pemerintah 300.000 28 Desember/ 4 Januari/ 287.403 (191) 287.212
Bank Indonesia VR 0054/ December 28, January 4,
Government bonds 2023 2024
VR 0054
Obligasi Pemerintah 300.000 28 Desember/ 4 Januari/ 287.404 (191) 287.213
Bank Indonesia VR 0054/ December 28, January 4,
Government bonds 2023 2024
VR 0054
Obligasi Pemerintah 50.000 29 Desember/ 4 Januari/ 47.741 (33) 47.708
PT Bank Victoria FR 0081_A/ December 29, January 4,
International Tbk Government bonds 2023 2024
FR 0081_A
Obligasi Pemerintah 100.000 29 Desember/ 5 Januari/ 95.499 (83) 95.416
PT Bank Victoria FR 0081_A/ December 29, January 5,
International Tbk Government bonds 2023 2024
FR 0081_A
Obligasi Pemerintah 300.000 29 Desember/ 5 Januari/ 285.067 (237) 284.830
Bank Indonesia VR 0042/ December 29, January 5,
Government bonds 2023 2024
VR 0042
Obligasi Pemerintah 300.000 29 Desember/ 5 Januari/ 285.067 (237) 284.830
Bank Indonesia VR 0042/ December 29, January 5,
Government bonds 2023 2024
VR 0042
Obligasi Pemerintah 300.000 29 Desember/ 5 Januari/ 285.067 (237) 284.830
Bank Indonesia VR 0042/ December 29, January 5,
Government bonds 2023 2024
VR 0042
Obligasi Pemerintah 100.000 29 Desember/ 5 Januari/ 95.022 (79) 94.943
Bank Indonesia VR 0042/ December 29, January 5,
Government bonds 2023 2024
VR 0042
Total 2.250.000 2.147.725 (1.528 ) 2.146.197
71
Page 446
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER RESALE
DIJUAL KEMBALI (lanjutan) AGREEMENTS (continued)
31 Desember/December 31, 2022
Pendapatan
Nilai bunga yang
penjualan belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortized Carrying
Counterparty Type of securities amount Starting date Due date amount interest value
Pihak ketiga/
Third parties
Obligasi Pemerintah 300.000 30 Desember/ 6 Januari/ 287.269 (219 ) 287.050
Bank Indonesia VR 0034/ December 30, January 6,
Government bonds 2022 2023
VR 0034
Obligasi Pemerintah 100.000 26 Desember/ 2 Januari/ 96.335 (15 ) 96.320
Bank Indonesia VR 0042/ December 26, January 2,
Government bonds 2022 2023
VR 0042
Obligasi Pemerintah 100.000 29 Desember/ 5 Januari/ 96.144 (59 ) 96.085
Bank Indonesia FR 0046/ December 29, January 5,
Government bonds 2022 2023
FR 0046
Obligasi Pemerintah 100.000 28 Desember/ 4 Januari/ 95.102 (44 ) 95.058
Bank Indonesia VR 0042/ December 28, January 4,
Government bonds 2022 2023
VR 0042
Obligasi Pemerintah 90.000 27 Desember/ 3 Januari/ 86.164 (28 ) 86.136
PT Bank Victoria FR 0082/ December 27, January 3,
Internasional Tbk Government bonds 2022 2023
FR 0082
Obligasi Pemerintah 80.000 27 Desember/ 3 Januari/ 78.381 (25 ) 78.356
PT Bank Victoria FR 0084/ December 27, January 3,
Internasional Tbk Government bonds 2022 2023
FR 0084
Obligasi Pemerintah 80.000 27 Desember/ 3 Januari/ 76.592 (25 ) 76.567
PT Bank Victoria FR 0059/ December 27, January 3,
Internasional Tbk Government bonds 2022 2023
FR 0059
Obligasi Pemerintah 50.000 27 Desember/ 3 Januari/ 47.601 (14 ) 47.587
Bank Indonesia VR 0062/ December 27, January 3,
Government bonds 2022 2023
VR 0062
Total 900.000 863.588 (429 ) 863.159
72
Page 447
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER RESALE
DIJUAL KEMBALI (lanjutan) AGREEMENTS (continued)
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, all securities
2022, seluruh efek-efek yang dibeli dengan janji purchased under resale agreements are
dijual kembali digolongkan sebagai lancar. classified as current.
Informasi mengenai sisa jangka waktu dan kualitas Information regarding maturities, and credit quality
kredit atas efek-efek yang dibeli dengan janji dijual of securities purchased under resale agreements
kembali diungkapkan di Catatan 39. are disclosed in Note 39.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, all securities
2022, seluruh efek-efek yang dibeli dengan janji purchased under resale agreements classified as
dijual kembali diklasifikasikan sebagai biaya amortized cost and stage 1.
perolehan diamortisasi dan digolongkan dalam
stage 1.
Manajemen Bank berpendapat bahwa jumlah The Bank’s management believes that
cadangan kerugian penurunan nilai untuk efek-efek the allowance for impairment losses for securities
yang dibeli dengan janji dijual kembali pada tanggal purchased under resale agreements as of
31 Desember 2023 dan 2022 tidak diperlukan. December 31, 2023 and 2022 is not required.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, no securities
2022, tidak terdapat efek-efek yang dibeli dengan purchased under resale agreements which are
janji dijual kembali yang dijaminkan. pledged as collateral.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, the average
2022, tingkat suku bunga rata-rata per tahun adalah interest rate was 5.85% and 3.56%, respectively.
sebesar 5,85% dan 3,56%.
10. KREDIT YANG DIBERIKAN 10. LOANS
a. Berdasarkan jenis a. By type
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak Berelasi Related Parties
Rupiah Rupiah
Modal Kerja 166.945 141.995 Working Capital
Konsumsi 711 908 Consumer
167.656 142.903
Pihak Ketiga Third Parties
Rupiah Rupiah
Modal Kerja 7.187.733 6.441.782 Working Capital
Investasi 4.859.162 2.750.023 Investment
Konsumsi 427.999 362.066 Consumer
12.474.894 9.553.871
Dolar Amerika Serikat United States Dollar
Modal Kerja 34.636 52.471 Working Capital
Total 12.677.186 9.749.245 Total
Cadangan kerugian
penurunan nilai (335.229) (237.567) Allowance for impairment losses
Neto 12.341.957 9.511.678 Net
73
Page 448
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
b. Berdasarkan sektor ekonomi b. By economic sector
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Perdagangan, restoran
dan hotel 3.574.529 2.515.435 Trading, restaurant and hotel
Industri pengolahan
dan manufaktur 2.549.930 1.773.555 Industry processing and manufacturing
Jasa-jasa dunia usaha 1.821.239 1.234.470 Business services
Pertambangan 959.221 382.098 Mining
Pertanian dan perkebunan 921.315 809.539 Agriculture and plantation
Konstruksi 912.679 620.032 Construction
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 658.356 688.486 and communication
Jasa-jasa kemasyarakatan 324.178 922.427 Social/public services
Listrik, gas dan air 241.302 180.283 Electricity, gas and water
Lain-lain 714.437 622.920 Others
Total 12.677.186 9.749.245 Total
Cadangan kerugian
penurunan nilai (335.229) (237.567) Allowance for impairment losses
Neto 12.341.957 9.511.678 Net
c. Berdasarkan jangka waktu perjanjian kredit c. By term of credit agreements
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
≤ 1 tahun 3.359.537 4.447.812 ≤ 1 year
> 1-2 tahun 1.758.048 841.663 > 1-2 years
> 2-5 tahun 3.298.602 1.841.247 > 2-5 years
> 5 tahun 4.260.999 2.618.523 > 5 years
Total 12.677.186 9.749.245 Total
Cadangan kerugian
penurunan nilai (335.229) (237.567) Allowance for impairment losses
Neto 12.341.957 9.511.678 Net
d. Berdasarkan jatuh tempo d. By maturity date
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
≤ 1 tahun 6.227.402 5.132.532 ≤ 1 year
> 1- 2 tahun 247.539 401.368 > 1- 2 years
> 2- 5 tahun 2.695.873 1.837.296 > 2- 5 years
> 5 tahun 3.506.372 2.378.049 > 5 years
Total 12.677.186 9.749.245 Total
Cadangan kerugian
penurunan nilai (335.229) (237.567) Allowance for impairment losses
Neto 12.341.957 9.511.678 Net
74
Page 449
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
e. Berdasarkan kolektibilitas e. By collectability
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Lancar 11.654.847 9.509.514 Current
Dalam perhatian khusus 586.147 71.648 Special mention
Kurang lancar 170.316 39.299 Substandard
Diragukan 26.473 48.556 Doubtful
Macet 239.403 80.228 Loss
Total 12.677.186 9.749.245 Total
Cadangan kerugian
penurunan nilai (335.229) (237.567) Allowance for impairment losses
Neto 12.341.957 9.511.678 Net
f. Berdasarkan penilaian secara kolektif dan f. By assessment as collective and individual
individual
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Individual 408.957 215.116 Individual
Kolektif 12.268.229 9.534.129 Collective
Total 12.677.186 9.749.245 Total
Cadangan kerugian penurunan
nilai (335.229) (237.567) Allowance for impairment losses
Neto 12.341.957 9.511.678 Net
75
Page 450
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
g. Mutasi nilai tercatat g. Movement of carrying value
Mutasi nilai tercatat kredit yang diberikan Movement of carrying value of loans classified
dengan klasifikasi biaya perolehan diamortisasi as amortized cost based on stage are as
berdasarkan stage adalah sebagai berikut: follows:
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Biaya perolehan diamortisasi Amortized cost
Saldo awal 9.197.327 334.957 216.961 9.749.245 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (268.401) 124.419 143.982 - (stage 1)
Transfer dari kerugian kredit
ekspektasian sepanjang umurnya - Transfer from lifetime expected
tidak mengalami penurunan credit loss- unimpaired
nilai (stage 2) 236.942 (288.174) 51.232 - (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 19 9.961 (9.980) - loans (stage 3)
Total saldo awal Total beginning
setelah pengalihan 9.165.887 181.163 402.195 9.749.245 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 5.594.798 33.426 88.591 5.611.676 issued or purchased
Aset keuangan yang dibayar dan Financial assets paid
dihentikan pengakuannya (2.717.436 ) (31.763) (34.219) (2.783.418) and derecognized
Aset keuangan yang
dihapus buku - - (5.854) (5.854) Financial assets written off
Selisih kurs dan Foreign exchange
perubahan lainnya 398 - - 398 and other movements
Saldo akhir 12.043.647 182.826 450.713 12.677.186 Ending balance
31 Desember 2022/December 31, 2022
Stage 1 Stage 2 Stage 3 Total
Biaya perolehan diamortisasi Amortized cost
Saldo awal 3.485.279 2.368 221.688 3.709.335 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan (276.103) 245.923 30.180 - expected credit loss
(stage 1) (stage 1)
Transfer dari kerugian kredit
ekspektasian sepanjang umurnya - Transfer from lifetime expected
tidak mengalami penurunan 2 (2.294) 2.292 - credit loss- unimpaired
nilai (stage 2) (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 3.015 69.310 (72.325) - loans (stage 3)
Total saldo awal Total beginning
setelah pengalihan 3.212.193 315.307 181.835 3.709.335 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 6.629.306 19.724 38.925 6.687.955 issued or purchased
Aset keuangan yang dibayar dan Financial assets paid
dihentikan pengakuannya (644.524) (74) (3.461) (648.059) and derecognized
Aset keuangan yang
dihapus buku - - (338) (338) Financial assets written off
Selisih kurs dan Foreign exchange
perubahan lainnya 352 - - 352 and other movements
Saldo akhir 9.197.327 334.957 216.961 9.749.245 Ending balance
76
Page 451
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
h. Cadangan kerugian penurunan nilai h. Allowance for impairment losses
Mutasi dalam cadangan kerugian penurunan The movements in the allowance for impairment
nilai kredit yang diberikan adalah sebagai losses are as follows:
berikut:
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 34.340 64.419 138.808 237.567 Beginning balance
Pengalihan dari Transfer from:
Kerugian kredit
ekspektasian 12 bulan Expected credit loss
(stage 1) (1.417) 632 785 - 12 months (stage 1)
Kerugian kredit ekspektasian
sepanjang umurnya -
tidak mengalami penurunan Lifetime expected credit loss
nilai (stage 2) 44.866 (56.902) 12.036 - - unimpaired (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 11 8.506 (8.517) - loans (stage 3)
Total saldo awal
setelah pengalihan 77.800 16.655 143.112 237.567 Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian (40.580) 21.863 111.010 92.293 Net remeasurement of allowance
Aset keuangan baru yang New financial assets issued
diterbitkan atau dibeli 27.382 10.097 913 38.392 or purchased
Aset keuangan yang dibayar dan Financial assets paid
dihentikan pengakuannya (5.496) (5.231) (16.480) (27.207) and derecognized
Total penambahan (18.694) 26.729 95.443 103.478 Total Addition
Aset keuangan yang dihapus buku - - (5.854) (5.854) Financial assets written off
Selisih kurs dan Foreign exchange
Perubahan lainnya 38 - - 38 and other movements
Saldo akhir 59.144 43.384 232.701 335.229 Ending balance
31 Desember 2022/December 31, 2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 59.463 84 83.632 143.179 Beginning balance
Pengalihan dari Transfer from:
Kerugian kredit
ekspektasian 12 bulan Expected credit loss
(stage 1) (42.780) 36.796 5.984 - 12 months (stage 1)
Kerugian kredit ekspektasian
sepanjang umurnya -
tidak mengalami penurunan - (77) 77 - Lifetime expected credit loss
nilai (stage 2) - unimpaired (stage 2)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 2.581 23.298 (25.879) - loans (stage 3)
Total saldo awal
setelah pengalihan 19.264 60.101 63.814 143.179 Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian (9.239) (3.521) 39.606 26.846 Net remeasurement of allowance
Aset keuangan baru yang New financial assets issued
diterbitkan atau dibeli 26.451 7.845 38.471 72.767 or purchased
Aset keuangan yang dibayar dan Financial assets paid
dihentikan pengakuannya*) (2.324) (6) (2.745) (5.075) and derecognized*)
Total penambahan 14.888 4.318 75.332 94.538 Total addition
Aset keuangan yang dihapus buku - - (338) (338) Financial assets written off
Selisih kurs dan Foreign exchange
perubahan lainnya 188 - - 188 and other movements
Saldo akhir 34.340 64.419 138.808 237.567 Ending balance
*) Termasuk cadangan kerugian penurunan nilai atas kredit yang *) Including allowance for impairment losses for loan sold to third party
dijual kepada pihak ketiga sebesar Rp1.009 amounting to Rp1,009.
77
Page 452
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
h. Cadangan kerugian penurunan nilai h. Allowance for impairment losses
Manajemen berpendapat bahwa jumlah Management believes that the amount of
cadangan kerugian penurunan nilai kredit yang allowance for impairment losses on loans
diberikan yang dibentuk telah memadai pada is adequate as of December 31, 2023 and
tanggal-tanggal 31 Desember 2023 dan 2022. 2022.
i. Kredit yang telah dihapusbukukan oleh Bank i. The loans written off by Bank are recorded as
dicatat sebagai kredit ekstra-komtabel di dalam extra-comptable in the administrative account.
rekening administratif.
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 102.039 102.381 Beginning balance
Hapus buku tahun
berjalan 5.854 338 Write off during the year
Penerimaan kembali kredit Recoveries of previously
yang telah dihapusbuku (1.164) (314) written-off loan
Hapus tagih tahun
berjalan (4.715) (366) Hair cut during the year
Saldo akhir 102.014 102.039 Ending balance
j. Tingkat suku bunga rata-rata per tahun adalah j. The average interest rates per annum were as
sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Rupiah Rupiah
Modal kerja 11,22% 14,82% Working capital
Investasi 10,11% 9,68% Investment
Konsumsi 8,56% 11,43% Consumer
Direksi dan karyawan 7,79% 9,90% Directors and employees
Dolar Amerika Serikat United States Dollar
Modal kerja 5,50% 5,75% Working capital
k. Kredit Sindikasi k. Syndicated Loan
Kredit sindikasi merupakan kredit yang Syndicated loans represent loans provided to
diberikan kepada debitur berdasarkan debtors based on syndication agreements with
perjanjian pembiayaan bersama dengan bank- other banks.
bank lain.
Keikutsertaan Bank dalam kredit sindikasi Bank’s participation in syndicated loans with
dengan bank-bank lain, dimana Bank bertindak other banks, which Bank acts as the
sebagai anggota sindikasi adalah masing- syndication member amounted to Rp897,958
masing sebesar Rp897.958 dan Rp361.255 and Rp361,255 or 9.50% - 9.83% and 1.54% -
atau 9,50% - 9,83% dan 1,54% - 14,55% pada 14.55% as of December 31, 2023 and 2022,
tanggal 31 Desember 2023 dan 2022. respectively.
78
Page 453
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
l. Informasi lainnya l. Other information
i. Kredit yang diberikan kepada karyawan i. Loans to the Bank’s employees are loans
Bank merupakan kredit konsumsi dengan for consumptive purpose with period from
jangka waktu 1 tahun sampai 13 tahun 1 year until 13 years with the interest rate
dengan tingkat suku bunga per tahun range per annum were 0.00% - 10.21%
berkisar antara 0,00% - 10,21% yang which repayment through monthly salary
pelunasannya dilakukan melalui deductions.
pemotongan gaji setiap bulan.
ii. Rasio kredit bermasalah (“NPL”) - Bruto ii. The ratio of nonperforming loans (“NPL”) -
yang dimiliki Bank per 31 Desember 2023 Gross of the Bank as of December 31,
dan 2022 masing-masing sebesar 3,44% 2023 and 2022 are 3.44% and 1.73%,
dan 1,73%. respectively.
NPL- Neto yang dimiliki Bank per NPL- Net of the Bank as of December 31,
31 Desember 2023 dan 2022 masing- 2023 and 2022 are 1.69% and 0.55%,
masing sebesar 1,69% dan 0,55%. respectively.
iii. Rasio Cadangan Kerugian Penurunan Nilai iii. Allowance for impairment losses (CKPN)
(CKPN) terhadap PPA Minimum yang to minimum PPA ratio of the Bank as of
dimiliki Bank per 31 Desember 2023 dan December 31, 2023 and 2022 is 115% and
2022 adalah sebesar 115% dan 129%. 129%, respectively.
iv. Rincian kredit bermasalah menurut sektor iv. The details of NPL by economic sector are
ekonomi adalah sebagai berikut: as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Perdagangan, restoran
dan hotel 158.827 82.917 Trading, restaurant and hotel
Konstruksi 99.660 12.391 Construction
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 69.143 - and communication
Pertanian dan perkebunan 28.098 - Agriculture and plantation
Industri pengolahan
dan manufaktur 9.250 9.248 Industry processing and manufacturing
Pertambangan 9.000 9.000 Mining
Lain-lain 62.214 54.527 Others
Total 436.192 168.083 Total
Rincian kredit bermasalah menurut sektor The details of NPL by economic sector and
ekonomi dan kolektibilitasnya adalah the collectability are as follows:
sebagai berikut:
31 Desember/December 31, 2023
Kurang lancar/ Diragukan/ Macet/
Substandard Doubtful Loss Total
Perdagangan, restoran
dan hotel 6.666 4.450 147.711 158.827 Trading, restaurant and hotel
Konstruksi 66.434 20.835 12.391 99.660 Construction
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 69.143 - - 69.143 and communication
Pertanian dan perkebunan 35 1.188 26.875 28.098 Agriculture and plantation
Industri pengolahan Industry processing
dan manufaktur - - 9.250 9.250 and manufacturing
Pertambangan - - 9.000 9.000 Mining
Lain-lain 28.038 - 34.176 62.214 Others
Total 170.316 26.473 239.403 436.192 Total
79
Page 454
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
l. Informasi lainnya (lanjutan) l. Other information (continued)
iv. Rincian kredit bermasalah menurut sektor iv. The details of NPL by economic sector are
ekonomi adalah sebagai berikut: (lanjutan) as follows: (continued)
Rincian kredit bermasalah menurut sektor The details of NPL by economic sector and
ekonomi dan kolektibilitasnya adalah the collectability are as follows: (continued)
sebagai berikut: (lanjutan)
31 Desember/December 31, 2022
Kurang lancar/ Diragukan/ Macet/
Substandard Doubtful Loss Total
Perdagangan, restoran
dan hotel 30.051 6.124 46.742 82.917 Trading, restaurant and hotel
Konstruksi - - 12.391 12.391 Construction
Industri pengolahan Industry processing
dan manufaktur 9.248 - - 9.248 and manufacturing
Pertambangan - 6.000 3.000 9.000 Mining
Lain-lain - 36.432 18.095 54.527 Others
Total 39.299 48.556 80.228 168.083 Total
v. Kredit dijamin antara lain dengan deposito, v. Loans are generally collateralized by
jaminan hipotik, mesin-mesin, kendaraan, deposits, registered mortgages,
piutang usaha dan persediaan. Manajemen machineries, vehicle, receivables and
berpendapat bahwa agunan yang diterima inventory. Management believes that
atas kredit yang diberikan cukup untuk the collateral received on loans is
menutup kerugian yang mungkin timbul adequate to cover possible losses from
akibat tidak tertagihnya kredit yang uncollectible loans. As of December 31,
diberikan. Pada tanggal-tanggal 2023 and 2022, loans has been secured by
31 Desember 2023 dan 2022, kredit telah cash collateral in form of time deposits
dijamin oleh jaminan tunai berupa deposito amounting to Rp500,310 and Rp552,351,
dengan nilai masing-masing sebesar respectively (Note 18).
Rp500.310 dan Rp552.351 (Catatan 18).
vi. Pada tanggal-tanggal 31 Desember 2023 vi. As of December 31, 2023 and 2022, the
dan 2022, saldo kredit yang direstrukturisasi balance of loans restructured amounting to
masing-masing sebesar Rp366.173 dan Rp366,173 and Rp416,600, with
Rp416.600 dengan cadangan kerugian allowance of impairment losses amounting
penurunan nilai masing-masing sebesar to Rp84,217 and Rp110,212, respectively.
Rp84.217 dan Rp110.212.
Skema restrukturisasi kredit terutama terdiri Loan restructuring scheme mainly consists
dari penurunan suku bunga, perpanjangan of reduction of interest rates, extension of
jangka waktu, perpanjangan jangka waktu loan maturity dates, extension of loan
dan penurunan suku bunga, perpanjangan maturity dates and reduction of interest
jangka waktu dan skema restrukturisasi lain- rates, extension of loan maturity dates and
lain. other restructuring schemes.
80
Page 455
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
l. Informasi lainnya (lanjutan) l. Other information (continued)
Berikut ini adalah jenis dan jumlah kredit Below are the types and amounts of
yang direstrukturisasi: restructured loans:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Penurunan suku bunga 54.533 10.308 Reduction of interest rates
Perpanjangan jangka waktu 12.100 15.925 Extension of loan maturity dates
Perpanjangan jangka waktu Extension of loan maturity dates
dan penurunan suku and reduction of interest
bunga - 10.308 rates
Perpanjangan jangka waktu Extension of loan maturity dates
dan skema restrukturisasi and other restructuring
lain-lain 299.540 380.059 schemes
Total 366.173 416.600 Total
Kredit yang direstrukturisasi berdasarkan Restructured loans based on
kolektibilitas OJK adalah sebagai berikut: the collectibility of OJK are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Lancar 161.087 300.512 Current
Dalam perhatian khusus 78.572 52.570 Special mention
Kurang lancar 34.654 9.248 Substandard
Diragukan - 5.991 Doubtful
Macet 91.860 48.279 Loss
Total 366.173 416.600 Total
Bank telah melakukan restrukturisasi kredit The Bank has restructured loans for
untuk debitur yang terdampak pandemi debtors affected by the COVID-19
COVID-19 sesuai dengan POJK pandemic in accordance with POJK
No. 11/POJK.03/2020 tanggal 13 Maret No. 11/POJK.03/2020 dated March 13,
2020 dan POJK No. 48/POJK.03/2020 2020 and POJK No. 48/POJK.03/2020
tanggal 1 Desember 2020. Pada tanggal dated December 1, 2020. As of December
31 Desember 2023 dan 2022, jumlah kredit 31, 2023 and 2022, the restructured loans
yang telah direstrukturisasi akibat due to COVID-19 is amounting to
COVID-19 adalah masing-masing sebesar Rp286,733 and Rp405,403, respectively.
Rp286.733 dan Rp405.403.
vii. Pada tanggal-tanggal 31 Desember 2023 vii. As of December 31, 2023 and 2022, there
dan 2022, tidak terdapat penyediaan dana are no loans to related and third parties
Bank kepada pihak berelasi dan pihak who are non-compliance or exceeding the
ketiga yang melanggar ataupun melampaui legal lending limit (LLL) set by Bank
Batas Maksimum Pemberian Kredit (BMPK) Indonesia.
yang ditetapkan oleh Bank Indonesia.
81
Page 456
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. PIUTANG BUNGA 11. INTEREST RECEIVABLES
Rincian piutang bunga adalah sebagai berikut: The details of interest receivables are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak berelasi (Catatan 35) Related parties (Note 35)
Kredit yang diberikan 195 152 Loans
Pihak ketiga Third parties
Efek-efek 47.957 56.662 Marketable securities
Kredit yang diberikan 39.928 24.212 Loans
Penempatan pada Bank Placement with Bank
Indonesia dan bank lain 892 16 Indonesia and other banks
Total 88.972 81.042 Total
12. TAGIHAN DAN LIABILITAS AKSEPTASI 12. ACCEPTANCE RECEIVABLES AND LIABILITIES
Tagihan dan liabilitas akseptasi merupakan Acceptance receivables and payables represent
akseptasi wesel impor atas dasar letters of credit acceptances arising from import bills, supported by
berjangka yang berasal dari nasabah pihak ketiga letters of credit, which are received from third party
dengan rincian sebagai berikut: customers, with details as follows:
a. Tagihan akseptasi a. Acceptance receivables
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 83.113 107.804 Rupiah
Mata uang asing 9.995 5.614 Foreign currencies
Total 93.108 113.418 Total
Cadangan kerugian penurunan nilai (88) (92) Allowance for impairment losses
Saldo akhir 93.020 113.326 Ending balance
Mutasi tagihan akseptasi (semua tagihan Movement of acceptance receivables (all
akseptasi dengan klasifikasi biaya perolehan acceptance receivable classified as amortized
diamortisasi adalah stage 1) untuk tahun yang cost are stage 1) and allowance for impairment
berakhir pada tanggal 31 Desember 2023 dan losses for the year ended December 31, 2023
2022 adalah sebagai berikut: and 2022 are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 113.418 31.332 Beginning balance
Aset keuangan yang baru dibeli 645.666 347.312 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (674.075) (262.372) Financial assets derecognized
Selisih kurs dan perubahan lainnya 8.099 (2.854) Foreign exchange and other movements
Saldo akhir 93.108 113.418 Ending balance
82
Page 457
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
12. TAGIHAN DAN LIABILITAS AKSEPTASI 12. ACCEPTANCE RECEIVABLES AND LIABILITIES
(lanjutan) (continued)
a. Tagihan akseptasi (lanjutan) a. Acceptance receivables (continued)
Mutasi cadangan kerugian penurunan nilai Movement of allowance of impairment losses
tagihan akseptasi (semua tagihan akseptasi of acceptance receivables (all acceptance
dengan klasifikasi biaya perolehan diamortisasi receivable classified as amortized cost are
adalah stage 1) untuk tahun yang berakhir pada stage 1) and allowance for impairment losses
tanggal 31 Desember 2023 dan 2022 adalah for the year ended December 31, 2023 and
sebagai berikut: 2022 are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 92 42 Beginning balance
Aset keuangan yang baru dibeli 88 92 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (92) (42) Financial assets derecognized
Saldo akhir 88 92 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai yang impairment lossesis adequate to cover
dibentuk cukup untuk menutup kerugian yang possible losses arising from uncollectible
mungkin timbul akibat tidak tertagihnya tagihan acceptance receivable.
akseptasi.
b. Liabilitas akseptasi b. Acceptance liabilities
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 83.113 107.804 Rupiah
Mata uang asing 9.995 5.614 Foreign currencies
Saldo akhir 93.108 113.418 Ending balance
83
Page 458
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. TAGIHAN DAN LIABILITAS DERIVATIF 13. DERIVATIVES RECEIVABLE AND PAYABLE
Rincian transaksi derivatif pada mata uang asing Detail of foreign currency derivative transactions are
adalah sebagai berikut: as follows:
31 Desember/December 31, 2023
Jumlah nosional Nilai wajar/
mata uang asing Fair value
(jumlah penuh)/
Notional amount Tagihan Liabilitas
in foreign Derivatif/ Derivatif/
currency Derivative Derivatives
Pihak (full amount) receivable payable Counterparties
Pihak berelasi Related parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 5.553.268 722 - PT Kreta Indo Artha
Total Forward mata uang asing 722 - Total Foreign currency forward
Swap mata uang asing Foreign currency swap
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 1.556.880 634 - PT Kreta Indo Artha
Total Swap mata uang asing 634 - Total Foreign currency swap
Pihak ketiga Third parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Bank Danamon Indonesia Tbk 1.500.000 - 53 PT Bank Danamon Indonesia Tbk
PT Indomas Multi Kreasi 233.405 23 - PT Indomas Multi Kreasi
Total Forward mata uang asing 23 53 Total Foreign currency forward
Spot mata uang asing Foreign currency spot
Dolar Amerika Serikat United States Dollar
PT Bank Permata Tbk 100.000 - 4 PT Bank Permata Tbk
PT Bank Danamon Indonesia Tbk 700.000 - 28 PT Bank Danamon Indonesia Tbk
PT Bank Anz Indonesia 2.000.000 92 - PT Bank Anz Indonesia
Pound Sterling Inggris Great Britain Pound Sterling
PT Bank Permata Tbk 50.000 - 5 PT Bank Permata Tbk
Total Spot mata uang asing 92 37 Total Foreign currency spot
1.471 90
84
Page 459
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan) 13. DERIVATIVES RECEIVABLE AND PAYABLE
(continued)
31 Desember/December 31, 2022
Jumlah nosional Nilai wajar/
mata uang asing Fair value
(jumlah penuh)/
Notional amount Tagihan Liabilitas
in foreign Derivatif/ Derivatif/
currency Derivative Derivatives
Pihak (full amount) receivable payable Counterparties
Pihak berelasi Related parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 5.967.520 425 - PT Kreta Indo Artha
Total Forward mata uang asing 425 - Total Foreign currency forward
Swap mata uang asing Foreign currency swap
Dolar Amerika Serikat United States Dollar
PT Kreta Indo Artha 2.868.140 195 164 PT Kreta Indo Artha
Total Swap mata uang asing 195 164 Total Foreign currency swap
Pihak ketiga Third parties
Forward mata uang asing Foreign currency forward
Dolar Amerika Serikat United States Dollar
PT Bank Danamon Indonesia Tbk 5.967.520 - 464 PT Bank Danamon Indonesia Tbk
Total Forward mata uang asing - 464 Total Foreign currency forward
Swap mata uang asing Foreign currency swap
Dolar Amerika Serikat United States Dollar
PT Bank Danamon Indonesia Tbk 2.868.120 163 204 PT Bank Danamon Indonesia Tbk
Total Swap mata uang asing 163 204 Total Foreign currency swap
Spot mata uang asing Foreign currency spot
Dolar Amerika Serikat United States Dollar
PT Bank BTPN Tbk 550.000 - 46 PT Bank BTPN Tbk
Total Spot mata uang asing - 46 Total Foreign currency spot
783 878
85
Page 460
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan) 13. DERIVATIVES RECEIVABLE AND PAYABLE
(continued)
Jangka waktu kontrak-kontrak tersebut di atas The period of these contracts ranged between 4
berkisar antara 4 hari - 94 hari. days - 94 days.
Berdasarkan hasil penelaahan dan evaluasi Based on the Bank’s management review and
manajemen Bank, seluruh tagihan derivatif pada evaluation, all derivative receivables as of
tanggal 31 Desember 2023 dan 2022 digolongkan December 31, 2023 and 2022 are classified as
lancar. current.
Informasi mengenai sisa umur jatuh tempo Information with respect to maturity is disclosed in
diungkapkan pada Catatan 39. Note 39.
14. BEBAN DIBAYAR DIMUKA 14. PREPAID EXPENSES
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Jasa pemeliharaan software 2.492 4.405 Software maintenance fee
Sewa 1.937 1.336 Rent
Promosi 888 1.116 Promotion
Asuransi 492 970 Insurance
Pemeliharaan gedung 427 552 Building maintenance
Lain-lain 1.748 615 Others
Total 7.984 8.994 Total
15. ASET TETAP DAN ASET HAK GUNA - NETO 15. FIXED ASSETS AND RIGHTS OF USE ASSETS -
NET
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Aset tetap - neto 62.460 52.323 Fixed assets - net
Aset hak guna - neto 58.598 49.677 Rights of use assets - net
Total 121.058 102.000 Total
Aset tetap Fixed Assets
31 Desember/December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasiflkasi/ Ending
Balance Additions Disposals Reclassification Balance
Kepemilikan langsung Direct ownership
Biaya perolehan Cost
Perangkat keras dan lunak 66.554 11.677 (184) 1.220 79.267 Hardware and software
Leasehold improvement 25.850 3.264 - 4.535 33.649 Leasehold improvement
Perabotan dan peralatan Office furniture and
kantor 19.827 4.592 (316) 161 24.264 equipment
Kendaraan bermotor 780 711 - - 1.491 Vehicles
113.011 20.244 (500) 5.916 138.671
Aset tetap Fixed assets
dalam pembangunan 5.030 13.403 - (5.916) 12.517 under construction
Total 118.041 33.647 (500) - 151.188 Total
86
Page 461
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
15. ASET TETAP DAN ASET HAK GUNA- NETO 15. FIXED ASSETS AND RIGHTS OF USE ASSETS-
(lanjutan) NET (continued)
Aset tetap (lanjutan) Fixed Assets (continued)
31 Desember/December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasiflkasi/ Ending
Balance Additions Disposals Reclassification Balance
Kepemilikan langsung Direct ownership
Akumulasi penyusutan Accumulated depreciation
Perangkat keras dan lunak 37.320 13.253 (184) - 50.389 Hardware and software
Leasehold improvement 14.774 7.419 - - 22.193 Leasehold improvement
Perlengkapan dan peralatan Office furniture and
kantor 12.868 2.798 (316) - 15.350 equipment
Kendaraan bermotor 756 40 - - 796 Vehicles
Total akumulasi penyusutan 65.718 23.510 (500) - 88.728 Total accumulated depreciation
Nilai buku bersih 52.323 62.460 Net book value
31 Desember/December 31, 2022
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasiflkasi/ Ending
Balance Additions Disposals Reclassification Balance
Kepemilikan langsung Direct ownership
Biaya perolehan Cost
Perangkat keras dan lunak 47.919 17.287 - 1.348 66.554 Hardware and software
Leasehold improvement 15.415 5.239 - 5.196 25.850 Leasehold improvement
Perabotan dan peralatan Office furniture and
kantor 14.994 4.833 - - 19.827 equipment
Kendaraan bermotor 765 15 - - 780 Vehicles
79.093 27.374 - 6.544 113.011
Aset tetap Fixed assets
dalam pembangunan 6.967 4.722 - (6.659) 5.030 under construction
Total 86.060 32.096 - (115) 118.041 Total
Kepemilikan langsung Direct ownership
Akumulasi penyusutan Accumulated depreciation
Perangkat keras dan lunak 28.440 8.880 - - 37.320 Hardware and software
Perlengkapan dan peralatan Office furniture and
kantor 10.568 2.300 - - 12.868 equipment
Leasehold improvement 10.067 4.707 - - 14.774 Leasehold improvement
Kendaraan bermotor 746 10 - - 756 Vehicles
Total akumulasi penyusutan 49.821 15.897 - - 65.718 Total accumulated depreciation
Nilai buku bersih 36.239 52.323 Net book value
Aset tetap dalam pembangunan merupakan Fixed assets under construction is related to
renovasi atas kantor cabang dan biaya several branch office renovation and software
pengembangan perangkat lunak dengan estimasi development, with estimated percentage of
persentase penyelesaian sebagai berikut: completion as follows:
31 Desember 2023/December 31, 2023
Estimasi tahun Kisaran persentase
penyelesaian/ penyelesaian/
Jumlah/ Estimated year Range percentage of
Amount of completion completion
Aset tetap dalam pembangunan 12.518 2024 20%-95% Fixed assets under construction
31 Desember 2022/December 31, 2022
Estimasi tahun Kisaran persentase
penyelesaian/ penyelesaian/
Jumlah/ Estimated year Range percentage of
Amount of completion completion
Aset tetap dalam pembangunan 5.030 2023-2024 30%-95% Fixed assets under construction
87
Page 462
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
15. ASET TETAP DAN ASET HAK GUNA- NETO 15. FIXED ASSETS AND RIGHTS OF USE ASSETS-
(lanjutan) NET (continued)
Aset tetap (lanjutan) Fixed Assets (continued)
Penambahan aset tetap pada tanggal-tanggal Additions of fixed assets as of December 31, 2023
31 Desember 2023 dan 2022 terdiri dari renovasi and 2022 consists of renovation of branch office
bangunan kantor cabang, kursi, meja, AC, buildings, chairs, desks, AC, computers, laptops
komputer, laptop dan printer yang digunakan untuk and printers that used for the Bank’s operational
aktivitas operasional Bank. activities.
Beban penyusutan aset tetap adalah sebesar Depreciation expense charged to operations
Rp23.510 dan Rp15.897 masing-masing untuk amounted to Rp23,510 and Rp15,897 for the year
tahun yang berakhir pada tanggal-tanggal ended December 31, 2023 and 2022 respectively
31 Desember 2023 dan 2022 (Catatan 32). (Note 32).
Pada tanggal-tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the gross
jumlah tercatat bruto dari setiap aset tetap yang amount of fixed assets which have been fully
telah disusutkan penuh dan masih digunakan depreciated and are still being used amounted to
masing-masing adalah sebesar Rp44.335 dan Rp44,335 and Rp42,681 respectively (unaudited).
Rp42.681 (tidak diaudit).
Untuk tahun yang berakhir pada tanggal 31 For the year ended December 31, 2023 the Bank
Desember 2023, Bank menjual aset tetapnya sold fixed assets with carrying amount amounting to
dengan nilai tercatat sebesar RpNihil dengan harga RpNil with selling price amounting to Rp22.
jual sebesar Rp22.
Aset tetap Bank diasuransikan terhadap risiko Fixed assets of the Bank were insured against risk
kebakaran, gempa bumi, huru-hara, pencurian dan of fire, eathquake, chaos, theft and other risks to
risiko lainnya kepada perusahaan asuransi, yaitu insurance companies which are PT Asuransi
PT Asuransi Central Asia (pihak berelasi) sebesar Central Asia (related party) with sum insured
Rp80.148 dan Rp35.074 masing-masing pada Rp80,148 and Rp35,074 as of December 31, 2023
tanggal 31 Desember 2023 dan 2022. Manajemen and 2022, respectively. Management believes that
berpendapat bahwa nilai pertanggungan tersebut the insurance coverage is adequate to cover
cukup untuk menutup kemungkinan kerugian atas possible losses on the assets insured.
aset yang dipertanggungkan.
Manajemen berpendapat bahwa tidak terdapat Management believes that there are no events or
peristiwa atau perubahan keadaan yang mungkin changes in circumstances that may raise indications
menimbulkan indikasi penurunan nilai aset tetap, of impairment in value of fixed assets, thus no
sehingga tidak dibentuk cadangan kerugian allowance for impairment losses was provided as of
penurunan nilai pada tanggal-tanggal 31 Desember December 31, 2023 and 2022.
2023 dan 2022.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there were no
2022, tidak terdapat aset tetap Bank yang fixed assets pledged as collateral.
dijaminkan.
88
Page 463
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
15. ASET TETAP DAN ASET HAK GUNA- NETO 15. FIXED ASSETS AND RIGHTS OF USE ASSETS-
(lanjutan) NET (continued)
Aset hak guna Rights of use assets
Aset hak guna pada tanggal 31 Desember 2023 Rights of use assets as of December 31, 2023 are
adalah sebagai berikut: as follows:
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Harga perolehan Cost
Bangunan 68.494 24.774 - 93.268 Buildings
Komputer dan mesin 28.070 15.596 - 43.666 Computer and machine
Kendaraan bermotor 11.919 - - 11.919 Vehicles
Total harga perolehan 108.483 40.370 - 148.853 Total cost
Akumulasi penyusutan Accumulated depreciation
Bangunan 36.583 20.111 - 56.694 Buildings
Komputer dan mesin 13.831 8.772 - 22.603 Computer and machine
Kendaraan bermotor 8.392 2.566 - 10.958 Vehicles
Total akumulasi penyusutan 58.806 31.449 - 90.255 Total accumulated depreciation
Nilai buku 49.677 58.598 Book value
Beban aset hak guna yang dilaporkan dalam Rights of use expense disclosed in the statement
laporan laba rugi dan penghasilan komprehensif of profit or loss and other comprehensive income
lainnya pada tahun yang berakhir pada tanggal for the year ended December 31, 2023 are as
31 Desember 2023 adalah sebagai berikut: follows:
Beban penyusutan Beban bunga atas
aset hak guna/ liabilitas sewa/
Rights of use assets Interest expense on
depreciation expense lease liabilities
Bangunan 20.111 1.184 Buildings
Komputer dan mesin 8.772 2.613 Computer and machine
Kendaraan bermotor 2.566 200 Vehicles
Total 31.449 3.997 Total
Aset hak guna pada tanggal 31 Desember 2022 Rights of use assets as of December 31, 2022 are
adalah sebagai berikut: as follows:
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deductions balance
Harga perolehan Cost
Bangunan 54.029 14.465 - 68.494 Buildings
Komputer dan mesin 23.771 4.299 - 28.070 Computer and machine
Kendaraan bermotor 11.781 138 - 11.919 Vehicles
Total harga perolehan 89.581 18.902 - 108.483 Total cost
Akumulasi penyusutan Accumulated depreciation
Bangunan 21.477 15.106 - 36.583 Buildings
Komputer dan mesin 8.613 5.218 - 13.831 Computer and machine
Kendaraan bermotor 5.543 2.849 - 8.392 Vehicles
Total akumulasi penyusutan 35.633 23.173 - 58.806 Total accumulated depreciation
Nilai buku 53.948 49.677 Book value
89
Page 464
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
15. ASET TETAP DAN ASET HAK GUNA- NETO 15. FIXED ASSETS AND RIGHTS OF USE ASSETS-
(lanjutan) NET (continued)
Aset hak guna (lanjutan) Rights of use assets (continued)
Beban aset hak guna yang dilaporkan dalam Rights of use expense disclosed in the statement
laporan laba rugi dan penghasilan komprehensif of profit or loss and other comprehensive income
lainnya pada tahun yang berakhir pada tanggal for the year ended December 31, 2022 are as
31 Desember 2022 adalah sebagai berikut: follows:
Beban penyusutan Beban bunga atas
aset hak guna/ liabilitas sewa/
Rights of use assets Interest expense on
depreciation expense lease liabilities
Bangunan 15.106 2.237 Buildings
Kendaraan bermotor 2.849 744 Vehicles
Komputer dan mesin 5.218 1.603 Computer and machine
Total 23.173 4.584 Total
Aset hak guna pada tanggal-tanggal 31 Desember Right of use assets as of December 31, 2023 and
2023 dan 2022 merupakan kontrak sewa atas 2022 represent lease contracts for branch office
bangunan kantor cabang, mobil, komputer, mesin buildings, cars, computers, money sorting
sortir uang, EDC dan ATM baik dengan pihak machines, EDC and ATM both with related parties
berelasi maupun pihak ketiga. and third parties.
Bank melakukan perjanjian sewa aset dengan Bank entered into an asset lease agreement with
syarat dan ketentuan yang diantaranya mencakup terms and conditions which include the lease
periode sewa berkisar antara 1- 5 tahun, memiliki period rainging from 1- 5 years, having an option
opsi perpanjangan masa sewa, tidak memiliki opsi to extend the lease term, do not include early-
early-termination dan tidak memiliki opsi pembelian termination option and do not include a purchase
diakhir masa sewa. option at the end of the lease term.
Bank juga memiliki sewa tertentu dengan masa The Bank also has certain leases with terms of 12
sewa 12 bulan atau kurang dan sewa aset bernilai months or less and leases of low value assets.
rendah. Bank menerapkan pengecualian untuk The Bank applies exemptions for short-term and
sewa jangka pendek dan sewa bernilai rendah untuk low-value leases for these leases.
sewa tersebut.
16. ASET LAIN-LAIN 16. OTHER ASSETS
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Tagihan anjak piutang- neto 105.313 166.760 Factoring receivables- net
Agunan yang diambil alih 37.132 39.332 Foreclosed collateral
Setoran jaminan 7.268 5.628 Security deposits
Tagihan ATM bersama 3.085 3.730 ATM Bersama receivables
Persediaan kantor 3.065 1.968 Office inventories
Uang muka pembelian barang 170 623 Prepayment of purchase
Lain-lain 2.629 1.181 Others
Total 158.662 219.222 Total
Tagihan anjak piutang merupakan tagihan atas Factoring receivables represents trade transactions
transaksi perdagangan dari pihak ketiga yang dibeli receivable from third parties which purchased by the
oleh Bank dari penjual tagihan. Jangka waktu Bank from sellers of receivables. The term of
tagihan anjak piutang berkisar antara 1-4 bulan. factoring receivables ranges from 1-4 months.
90
Page 465
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. ASET LAIN-LAIN (lanjutan) 16. OTHER ASSETS (continued)
Mutasi nilai tercatat anjak piutang dengan klasifikasi Movement of carrying value of factoring receivables
biaya perolehan diamortisasi (semua anjak piutang classified as amortized cost (all factoring
dengan klasifikasi biaya perolehan diamortisasi receivables classified as amortized cost are stage
adalah stage 1) adalah sebagai berikut: 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 166.886 125.836 Beginning balance
Aset keuangan yang baru dibeli 105.408 166.886 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (166.886) (125.836) Financial assets derecognized
Saldo akhir 105.408 166.886 Ending balance
Mutasi cadangan kerugian penurunan nilai anjak Movement of allowance of impairment losses of
piutang dengan klasifikasi biaya perolehan factoring receivables classified as amortized
diamortisasi (semua anjak piutang dengan cost (all factoring receivables classified as
klasifikasi biaya perolehan diamortisasi adalah amortized cost are stage 1) are as follows:
stage 1) adalah sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal 126 103 Beginning balance
Aset keuangan yang baru dibeli 95 126 New financial assets purchased
Aset keuangan yang dihentikan
pengakuannya (126) (103) Financial assets derecognized
Saldo akhir 95 126 Ending balance
Manajemen berpendapat bahwa jumlah cadangan Management believes that the allowance for
kerugian penurunan nilai yang dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kerugian yang mungkin timbul akibat tidak losses arising from uncollectible factoring
tertagihnya tagihan anjak piutang. recevables.
Agunan yang diambil alih (AYDA) adalah aset yang Foreclosed collateral (AYDA) is an asset obtained
diperoleh Bank, baik melalui pelelangan maupun di by the Bank, either through auction or outside the
luar pelelangan berdasarkan penyerahan secara auction based on voluntary submission by the
sukarela oleh pemilik agunan atau berdasarkan owner of the collateral or based on the power to sell
kuasa untuk menjual di luar lelang dari pemilik outside the auction from the owner of the collateral
agunan dalam hal debitur tidak memenuhi in the event that the debtor does not fulfill his
liabilitasnya kepada Bank. obligations to the Bank.
Agunan yang diambil alih terutama terdiri dari tanah Foreclosed collateral mainly consists of land and
dan bangunan. buildings.
Bank telah melakukan upaya penyelesaian atas The Bank has made efforts to settle the foreclosed
agunan yang diambil alih dengan melakukan upaya assets by making sales efforts in the form of
penjualan dalam bentuk lelang atau auctions or takeover of collateral by investors for the
pengambilalihan agunan oleh investor atas agunan foreclosed assets.
yang diambil alih.
91
Page 466
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
16. ASET LAIN-LAIN (lanjutan) 16. OTHER ASSETS (continued)
Aset lain-lain dari pihak berelasi pada Other assets from related parties as of December
tanggal-tanggal 31 Desember 2023 dan 31, 2023 and 2022, are Rp3,540 and Rp2,239,
2022 adalah masing-masing sebesar Rp3.540 dan respectively (Note 35).
Rp2.239 (Catatan 35).
17. LIABILITAS SEGERA 17. LIABILITIES DUE IMMEDIATELY
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Tarikan dana ATM Bersama 26.605 21.127 ATM Bersama - withdrawal
Titipan dan transfer 247 2.801 Deposit and transfer
Bunga deposito jatuh tempo 24 37 Matured time deposits - interest
Lain-lain 1.560 722 Others
Total 28.436 24.687 Total
18. SIMPANAN DARI NASABAH 18. DEPOSITS FROM CUSTOMERS
31 Desember/
December 31, 2023
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Giro 3.558.213 1.819.243 5.377.456 Current accounts
Deposito 1.481.221 11.087.245 12.568.466 Time deposits
Tabungan 2.683 684.810 687.493 Saving accounts
5.042.117 13.591.298 18.633.415
Mata uang asing Foreign currencies
Giro 147.200 71.156 218.356 Current accounts
Deposito 11.106 445.060 456.166 Time deposits
Tabungan 86 7.886 7.972 Saving accounts
158.392 524.102 682.494
Total 5.200.509 14.115.400 19.315.909 Total
31 Desember/
December 31, 2022
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Giro 3.080.316 1.321.363 4.401.679 Current accounts
Deposito 999.087 8.651.788 9.650.875 Time deposits
Tabungan 2.658 544.545 547.203 Saving accounts
4.082.061 10.517.696 14.599.757
Mata uang asing Foreign currencies
Giro 426.265 25.634 451.899 Current accounts
Deposito 65.440 340.213 405.653 Time deposits
Tabungan 798 4.718 5.516 Saving accounts
492.503 370.565 863.068
Total 4.574.564 10.888.261 15.462.825 Total
92
Page 467
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN DARI NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
a. Giro a. Current accounts
Tingkat suku bunga per tahun adalah sebagai The interest rate range per annum are as
berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Rupiah 0,00-6,25% 0,00-5,75% Rupiah
Dolar Amerika Serikat 0,00-5,00% 0,00-3,75% United States Dollar
Dolar Singapura 0,00% 0,00% Singapore Dollar
Dolar Australia 0,00-0,25% 0,00-0,25% Australian Dollar
Euro Eropa 0,00-0,10% 0,10% European Euro
Renminbi China 0,00% - Chinese Renminbi
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there were
2022, tidak terdapat giro yang dijadikan jaminan no current accounts pledged as collateral for
atas kredit yang diberikan dan bank garansi loans and bank guarantee issued.
diterbitkan.
Giro dari pihak yang berelasi diungkapkan Current accounts from related parties are
dalam Catatan 35. Informasi mengenai jatuh disclosed in Note 35. Information with respect
tempo diungkapkan pada Catatan 39. to maturities is disclosed in Note 39.
b. Tabungan b. Saving accounts
31 Desember/
December 31, 2023
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Tabina Perdana 2.635 613.687 616.322 Tabina Perdana
Tabina Berjangka 48 6.688 6.736 Tabina Berjangka
Tabina Eksekutif - 51.144 51.144 Tabina Eksekutif
Tabungan Pinter - 5.361 5.361 Tabungan Pinter
Tabunganku - 2.261 2.261 Tabunganku
Tabungan Simpel Zero - 3.137 3.137 Tabungan Simpel Zero
Tabungan Simpel - 421 421 Tabungan Simpel
Tabina Digital - 2.111 2.111 Tabina Digital
2.683 684.810 687.493
Mata uang asing Foreign currencies
Tabina Perdana 86 7.886 7.972 Tabina Perdana
Total 2.769 692.696 695.465 Total
93
Page 468
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN DARI NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
b. Tabungan (lanjutan) b. Saving accounts (continued)
31 Desember/
December 31, 2022
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Tabina Perdana 2.310 504.044 506.354 Tabina Perdana
Tabina Berjangka 213 4.792 5.005 Tabina Berjangka
Tabina Eksekutif 135 23.940 24.075 Tabina Eksekutif
Tabungan Pinter - 5.613 5.613 Tabungan Pinter
Tabunganku - 1.385 1.385 Tabunganku
Tabungan Simpel Zero - 4.233 4.233 Tabungan Simpel Zero
Tabungan Simpel - 530 530 Tabungan Simpel
Tabina Digital - 8 8 Tabina Digital
2.658 544.545 547.203
Mata uang asing Foreign currencies
Tabina Perdana 798 4.718 5.516 Tabina Perdana
Total 3.456 549.263 552.719 Total
Tingkat suku bunga per tahun adalah sebagai The interest rate range per annum were as
berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Rupiah 0,00-6,25% 0,00-3,00% Rupiah
Dolar Amerika Serikat 0,00-1,50% 0,00-1,50% United States Dollar
Dolar Singapura 0,00% 0,00% Singapore Dollar
Euro Eropa 0,00% 0,00% European Euro
Yen Jepang 0,00% 0,00% Japanese Yen
Dolar Australia 0,00% 0,00% Australian Dollar
Renminbi China 0,00% - Chinese Renminbi
Pound Sterling Inggris 0,00% - Great Britain Poundsterling
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there were
2022, tidak terdapat tabungan yang dijadikan no saving accounts pledged as collateral for
jaminan atas kredit yang diberikan dan bank loans and bank guarantee issued.
garansi yang diterbitkan.
Tabungan dari pihak-pihak berelasi Saving accounts from related parties are
diungkapkan dalam Catatan 35. Informasi disclosed in Note 35. Information in respect of
mengenai jatuh tempo diungkapkan pada maturities is disclosed in Note 39.
Catatan 39.
c. Deposito c. Time Deposits
Deposito terdiri dari: Time deposits consist of:
31 Desember/
December 31, 2023
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Deposito berjangka 50.000 185.000 235.000 Time deposits
Deposit on call 1.431.221 10.902.245 12.333.466 Deposit on call
1.481.221 11.087.245 12.568.466
Mata uang asing Foreign currencies
Deposito berjangka 11.106 445.060 456.166 Time deposits
Total 1.492.327 11.532.305 13.024.632 Total
94
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN DARI NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito (lanjutan) c. Time Deposits (continued)
Deposito terdiri dari: (lanjutan) Time deposits consist of: (continued)
31 Desember/
December 31, 2022
Pihak Berelasi/ Pihak Ketiga/
Related Parties Third Parties Total
Rupiah Rupiah
Deposito berjangka 764.087 8.395.030 9.159.117 Time deposits
Deposit on call 235.000 256.758 491.758 Deposit on call
999.087 8.651.788 9.650.875
Mata uang asing Foreign currencies
Deposito berjangka 65.440 340.213 405.653 Time deposits
Total 1.064.527 8.992.001 10.056.528 Total
Berdasarkan jangka waktu kontrak: By periods of contract:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
≤ 1 bulan 8.288.634 7.289.829 ≤ 1 month
> 1 - 3 bulan 3.764.811 2.042.152 > 1 - 3 months
> 3 - 6 bulan 700.934 482.209 > 3 - 6 months
> 6 - 12 bulan 270.253 242.338 > 6 - 12 months
Total 13.024.632 10.056.528 Total
Berdasarkan jatuh tempo: By maturity date:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
≤ 1 bulan 9.963.917 7.932.349 ≤ 1 month
> 1 - 3 bulan 2.530.503 1.651.679 > 1 - 3 months
> 3 - 6 bulan 387.230 350.288 > 3 - 6 months
> 6 - 12 bulan 142.982 122.212 > 6 - 12 months
Total 13.024.632 10.056.528 Total
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022 time
2022, jumlah deposito yang dijaminkan sebagai deposits pledged as loan collaterals amounted
jaminan kredit yang diberikan masing-masing to Rp500,310 and Rp552,351 respectively
sebesar Rp500.310 dan Rp552.351 (Catatan (Note 10). While as of December 31, 2023 and
10). Sedangkan pada tanggal-tanggal 31 2022, time deposits pledged as Bank
Desember 2023 dan 2022, jumlah deposito Guarantee issued collaterals amounted to
yang dijaminkan sebagai jaminan Bank Garansi Rp53,152 and Rp480, respectively (Note 34).
diterbitkan masing-masing sebesar Rp53.152
dan Rp480 (Catatan 34).
95
Page 470
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. SIMPANAN DARI NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito (lanjutan) c. Time Deposits (continued)
Tingkat suku bunga per tahun adalah sebagai The interest rate range per annum were as
berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Rupiah 2,00-7,80% 2,00-7,00% Rupiah
Dolar Amerika Serikat 0,75-5,25% 0,25-3,75% United States Dollar
Euro Eropa 0,15% 0,15% European Euro
Dolar Singapura 1,00% - Singapore Dollar
Deposito berjangka dari pihak-pihak berelasi Time deposits from related parties are
diungkapkan dalam Catatan 35. Informasi disclosed in Note 35. Information with respect
mengenai jatuh tempo diungkapkan pada to maturities is disclosed in Note 39.
Catatan 39.
19. SIMPANAN DARI BANK LAIN 19. DEPOSITS FROM OTHER BANKS
Seluruh simpanan dari bank lain merupakan All deposits from other banks are third parties
transaksi dengan pihak ketiga dalam mata uang transactions in Rupiah currency, consist of:
Rupiah, terdiri dari:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Interbank Call Money 625.000 560.000 Interbank Call Money
Deposito berjangka 304.900 11.400 Time deposits
Tabungan 21.210 9.546 Savings
Giro 15.480 20.672 Current accounts
Total 966.590 601.618 Total
a. Giro a. Current accounts
Tingkat suku bunga per tahun atas giro masing- The interest rate range per annum of
masing berkisar antara 0,50% - 4,50% dan 0.50% - 4.50% and 0.50% - 3.50% for
0,50% - 3,50% untuk 31 Desember 2023 dan December 31, 2023 and 2022, respectively.
2022.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there were
2022, tidak terdapat giro yang dijadikan no current accounts pledged as collateral.
jaminan.
96
Page 471
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN DARI BANK LAIN (lanjutan) 19. DEPOSITS FROM OTHER BANKS (continued)
b. Deposito b. Time Deposits
Berdasarkan jatuh tempo: By maturity date:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
≤ 1 bulan 304.900 11.400 ≤ 1 month
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there were
2022, tidak terdapat deposito dari bank lain no time deposits from other banks pledged as
yang dijadikan jaminan. collateral.
Tingkat suku bunga per tahun masing-masing The interest rate range per annum of
berkisar antara 4,25% - 6,50% dan 4.25% - 6.50% and 3.00% - 5.50% as of
3.00% - 5.50% untuk 31 Desember 2023 dan December 31, 2023 and 2022, respectively.
2022.
Informasi mengenai jatuh tempo diungkapkan Information with respect to maturities are
pada Catatan 39. disclosed in Note 39.
c. Interbank call money c. Interbank call money
Tingkat suku bunga per tahun masing- masing The interest rate range per annum of
berkisar antara 5,98% - 6,35% dan 2,78% - 5.98% - 6.35% and 2.78% - 6.10% for
6,10% untuk 31 Desember 2023 dan 2022. December 31, 2023 and 2022, respectively.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there were
tidak terdapat interbank call money yang no interbank call money pledged as collateral.
dijadikan jaminan.
Informasi mengenai jatuh tempo diungkapkan Information with respect to maturities are
pada Catatan 39. disclosed in Note 39.
20. EFEK-EFEK YANG DIJUAL DENGAN JANJI 20. SECURITIES SOLD UNDER REPURCHASE
DIBELI KEMBALI AGREEMENTS
31 Desember/December 31, 2023
Beban
Nilai bunga yang
pembelian belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchase Unamortized Carrying
Counterparty Type of securities amount Starting date Due date amount interest value
Pihak ketiga/
Third parties
Obligasi Pemerintah 100.000 28 Desember/ 4 Januari/ 96.851 (1.323 ) 95.528
PT Bank Victoria FR 0101/ December 28, January 4,
International Tbk Government bonds 2023 2024
FR 0101
Obligasi Pemerintah 50.000 28 Desember/ 4 Januari/ 48.425 (662 ) 47.763
PT Bank Victoria FR 0101/ December 28, January 4,
International Tbk Government bonds 2023 2024
FR 0101
Obligasi Pemerintah 100.000 29 Desember/ 8 Januari/ 97.094 (1.358 ) 95.736
PT Bank FR 0101/ December 29, January 8,
Nasionalnobu Tbk Government bonds 2023 2024
FR 0101
Total 250.000 242.370 (3.343 ) 239.027
97
Page 472
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
20. EFEK-EFEK YANG DIJUAL DENGAN JANJI 20. SECURITIES SOLD UNDER REPURCHASE
DIBELI KEMBALI (lanjutan) AGREEMENTS (continued)
31 Desember/December 31, 2022
Beban
Nilai bunga yang
pembelian belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchase Unamortized Carrying
Counterparty Type of securities amount Starting date Due date amount interest value
Pihak ketiga/
Third parties
Obligasi Pemerintah 300.000 29 Desember/ 3 Januari/ 311.778 (2.868 ) 308.910
PT Bank Mandiri FR 0072/ December 29, January 3,
(Persero) Tbk Government bonds 2022 2023
FR 0072
Obligasi Pemerintah 250.000 28 Desember/ 4 Januari/ 266.756 (4.089 ) 262.667
Bank Indonesia FR 0079/ December 28, January 4,
Government bonds 2022 2023
FR 0079
Obligasi Pemerintah 250.000 26 Desember/ 2 Januari/ 242.750 (1.891 ) 240.859
PT Bank Victoria FR 0075/ December 26, January 2,
International Tbk Government bonds 2022 2023
FR 0075
Obligasi Pemerintah 100.000 26 Desember/ 9 Januari/ 93.592 (133 ) 93.459
PT Bank Central FR 0080/ December 26, January 9,
Asia Tbk Government bonds 2022 2023
FR 0080
Total 900.000 914.876 (8.981 ) 905.895
Pada tanggal 31 Desember 2023 dan 2022, tingkat As of December 31, 2023 and 2022, the average
suku bunga rata-rata per tahun adalah sebesar interest rate was 6.13% and 5.76%, respectively.
6,13% dan 5,76%.
Informasi mengenai sisa jangka waktu atas efek- Information regarding maturities of securities sold
efek yang dijual dengan janji dibeli kembali under repurchase agreements are disclosed in
diungkapkan di Catatan 39. Note 39.
21. PERPAJAKAN 21. TAXATION
a. Utang pajak a. Taxes payable
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pajak penghasilan Income taxes
Pasal 4 (2) 17.839 10.988 Article 4 (2)
Pasal 21 3.955 2.268 Article 21
Pasal 23 61 161 Article 23
Pasal 25 3.393 5.637 Article 25
Pasal 26 6 1 Article 26
Pasal 29 622 3.987 Article 29
PPN 48 12 Value-added taxes
Total 25.924 23.054 Total
b. Beban (manfaat) pajak terdiri dari: b. Tax expense (benefit) consist of:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Pajak kini 61.258 47.940 Current tax
Pajak tangguhan (1.603) (2.135) Deferred tax
Total 59.655 45.805 Total
98
Page 473
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. PERPAJAKAN (lanjutan) 21. TAXATION (continued)
c. Rekonsiliasi antara laba sebelum beban pajak c. The reconciliation between income before tax
penghasilan menurut laporan laba rugi dan expense as shown in the statement of profit or
penghasilan komprehensif lain dengan laba loss and other comprehensive income and
kena pajak pada tanggal-tanggal 31 Desember estimated taxable income as of December 31,
2023 dan 2022, adalah sebagai berikut: 2023 and 2022 are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Laba sebelum beban pajak 267.531 202.853 Income before tax expense
Beda temporer: Temporary differences:
Cadangan kerugian Allowance
penurunan nilai for impairment losses of
kredit yang diberikan (10.007) (27.204) loans
Cadangan bonus dan tunjangan lain 5.230 26.146 Bonus accrual and other allowances
Cadangan kerugian Allowance
penurunan nilai for impairment losses of
aset keuangan selain financial assets
kredit yang diberikan 14.458 2.708 other than loans
Imbalan kerja jangka panjang -
neto 5.144 3.150 Long-term benefits - net
Penyusutan aset tetap (67) (67) Depreciation of fixed assets
Penyusutan aset hak guna Depreciation of rights-of-use assets
dan beban bunga and interest expense on
liabilitas sewa 740 2.005 lease liabilities
Provisi legal (894) - Legal provision
Keuntungan yang belum Unrealized gain on
direalisasi atas perubahan changes in fair value of
nilai wajar efek-efek yang marketable securities
diklasifikasikan sebagai nilai classified as fair value through
wajar melalui laba rugi (7.315) 685 profit and loss
Cadangan kerugian Allowance
penurunan nilai agunan for impairment losses of
yang diambil alih - 2.282 foreclosed collateral
Beda tetap: Permanent differences:
Beban umum dan administrasi 2.321 4.811 General and administrative expenses
Penyusutan atas aset tetap yang Depreciation of fixed assets
tidak dapat disusutkan that can not
secara pajak 15 - be taxed
Sumbangan dan hadiah 1.292 543 Donation and gifts
Taksiran laba kena pajak 278.448 217.912 Estimated taxable income
Beban pajak penghasilan 61.258 47.940 Corporate income tax expense
Pajak penghasilan yang Income tax
dibayar - pasal 25 (60.636) (43.953) paid - article 25
Utang pajak penghasilan
badan 622 3.987 Corporate income tax payable
Perhitungan taksiran penghasilan kena pajak Calculation of estimated taxable income for the
untuk tahun yang berakhir pada tanggal-tanggal year ended December 31, 2023 and 2022 were
31 Desember 2023 dan 2022 menjadi dasar the basis for preparing annual tax returns for
dalam pengisian Surat Pemberitahuan (SPT) 2023 and 2022.
Tahunan 2023 dan 2022.
99
Page 474
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. PERPAJAKAN (lanjutan) 21. TAXATION (continued)
Berdasarkan Undang-undang No. 7 Tahun Based on Law No. 7 Year 2021 dated October
2021 tanggal 29 Oktober 2021 tentang 29, 2021 on Harmonization of Taxation
Harmonisasi Peraturan Perpajakan, tarif pajak Regulation, income tax rate on Corporate
yang dikenakan atas penghasilan kena pajak taxpayer and Permanent Establishment’s
bagi Wajib Pajak badan dalam negeri dan taxable income is 22% which will be effective for
bentuk usaha tetap adalah sebesar 22% yang fiscal year 2022.
berlaku pada tahun pajak 2022.
d. Aset (Liabilitas) Pajak Tangguhan - Neto d. Deferred Tax Assets (Liabilities) - Net
Pengaruh pajak atas perbedaan temporer yang The tax effects on significant outstanding
signifikan antara pelaporan keuangan dan temporary differences between financial and tax
pajak adalah sebagai berikut: reporting purposes are as follows:
31 Desember 2023/December 31, 2023
Dikreditkan/
(dibebankan) ke
laporan laba rugi
komprehensif/
Credited/
(charged) to Dikreditkan/
statement of (dibebankan) ke
profit or loss ekuitas/
Saldo awal/ and other Credited/ Saldo akhir/
Beginning comprehensive (charged) to Ending
balance income equity balance
Imbalan kerja jangka panjang 3.326 1.132 309 4.767 Long-term benefits
Cadangan kerugian penurunan Allowance for impairment losses
nilai agunan yang diambil alih 4.182 - - 4.182 of foreclosed collateral
Penyusutan aset tetap 21 (15) - 6 Depreciation of fixed assets
Provisi legal 196 (196) - - Legal provision
Cadangan kerugian penurunan Allowance for impairment losses
nilai kredit yang diberikan 11.885 (2.202) - 9.683 of loans
Cadangan kerugian penurunan Allowance for impairment losses
nilai aset keuangan selain on financial assets
kredit yang diberikan 2.130 3.180 - 5.310 other than loans
Keuntungan yang belum direalisasi Net unrealized gain from
atas perubahan nilai wajar change in fair value of
efek-efek yang diklasifikasikan marketable securities classified as
nilai wajar melalui laba rugi 173 (1.609) - (1.436) fair value through profit or loss
Cadangan bonus dan
tunjangan lainnya 5.752 1.151 - 6.903 Bonus accrual and other allowances
Kerugian yang belum
direalisasi atas perubahan Net unrealized loss from
nilai wajar efek-efek change in fair value of
yang diklasifikasikan marketable securities classified
nilai wajar melalui penghasilan as fair value through other
komprehensif lain - neto 16.691 - (14.102) 2.589 comprehensive income - net
Penyusutan aset hak guna Depreciation of rights-of-use assets
dan beban bunga and interest expense on
liabilitas sewa 551 162 - 713 lease liabilities
Neto 44.907 1.603 (13.793) 32.717 Net
31 Desember 2022/December 31, 2022
Dikreditkan/
(dibebankan) ke
laporan laba rugi
komprehensif/
Credited/
(charged) to Dikreditkan/
statement of (dibebankan) ke
profit or loss ekuitas/
Saldo awal/ and other Credited/ Saldo akhir/
Beginning comprehensive (charged) to Ending
balance income equity balance
Imbalan kerja jangka panjang 2.688 693 (55) 3.326 Long-term benefits
Cadangan kerugian penurunan Allowance for impairment losses
nilai agunan yang diambil alih 3.680 502 - 4.182 of foreclosed collateral
Penyusutan aset tetap 36 (15) - 21 Depreciation of fixed assets
Provisi legal 196 - - 196 Legal provision
Cadangan kerugian penurunan Allowance for impairment losses
nilai kredit yang diberikan 17.870 (5.985) - 11.885 of loans
100
Page 475
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. PERPAJAKAN (lanjutan) 21. TAXATION (continued)
d. Aset (Liabilitas) Pajak Tangguhan - Neto d. Deferred Tax Assets (Liabilities) - Net
(lanjutan) (continued)
31 Desember 2022/December 31, 2022
Dikreditkan/
(dibebankan) ke
laporan laba rugi
komprehensif/
Credited/
(charged) to Dikreditkan/
statement of (dibebankan) ke
profit or loss ekuitas/
Saldo awal/ and other Credited/ Saldo akhir/
Beginning comprehensive (charged) to Ending
balance income equity balance
Cadangan kerugian penurunan Allowance for impairment losses
nilai kredit yang diberikan 17.870 (5.985) - 11.885 of loans
Cadangan kerugian penurunan Allowance for impairment losses
nilai aset keuangan selain on financial assets
kredit yang diberikan 1.534 596 - 2.130 other than loans
Keuntungan yang belum direalisasi Net unrealized gain from
atas perubahan nilai wajar change in fair value of
efek-efek yang diklasifikasikan marketable securities classified as
nilai wajar melalui laba rugi 22 151 - 173 fair value through profit or loss
Cadangan bonus dan
tunjangan lainnya - 5.752 - 5.752 Bonus accrual and other allowances
Kerugian yang belum
direalisasi atas perubahan Net unrealized loss from
nilai wajar efek-efek change in fair value of
yang diklasifikasikan marketable securities classified
nilai wajar melalui penghasilan as fair value through other
komprehensif lain - neto 5.937 - 10.754 16.691 comprehensive income - net
Penyusutan aset hak guna Depreciation of rights-of-use assets
dan beban bunga and interest expense on
liabilitas sewa 110 441 - 551 lease liabilities
Neto 32.073 2.135 10.699 44.907 Net
e. Rekonsiliasi Beban Pajak e. Tax Expense Reconciliation
Rekonsiliasi antara beban pajak dengan The reconciliation between the tax expense
menggunakan tarif pajak yang berlaku dari laba computed by applying the applicable tax rate on
sebelum beban pajak dan beban pajak - neto the income before tax expense and the tax
seperti yang disajikan dalam laporan laba rugi expense - net shown in the statement of profit
dan penghasilan komprehensif lainnya adalah or loss and other comprehensive income are as
sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Laba sebelum beban pajak 267.531 202.853 Income before tax
Beban pajak penghasilan Income tax expense at
dengan tarif pajak yang berlaku 58.857 44.628 the applicable tax rate
Beda tetap - neto 798 1.177 Permanent differences - net
Beban pajak - neto 59.665 45.805 Tax expense - net
101
Page 476
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. PERPAJAKAN (lanjutan) 21. TAXATION (continued)
f. Pemeriksaan Pajak f. Tax Examination
Berdasarkan Undang-Undang Perpajakan yang Under the prevailing Taxation Laws of
berlaku di Indonesia, Bank menghitung, Indonesia, the Bank calculates, determines and
menetapkan dan membayar sendiri besarnya pays tax payable based on self-assessment.
jumlah pajak yang terutang. Direktur Jenderal The Directorate General of Taxes (“DGT”) may
Pajak (“DJP”) dapat menetapkan atau assess or amend taxes within 5 (five) years
mengubah liabilitas pajak dalam batas waktu 5 from the time the tax becomes due and
(lima) tahun sejak saat terutangnya pajak dan subsequent years.
tahun-tahun selanjutnya.
Pemeriksaan tahun pajak 2019 Assessment for fiscal year 2019
Bank telah menerima Surat Pemberitahuan Bank has received Notification of Tax Audit
Hasil Pemeriksaan Pajak (SPHP) No. S- Findings (SPHP) No. S-
00013/RIKSIS/KPP.0708/2023 tanggal 17 00013/RIKSIS/KPP.0708/2023 dated January
Januari 2024 mengenai hasil pemeriksaan 17, 2024 regarding tax audit result for the year
pajak untuk tahun 2019. Sampai dengan 2019. Until the date of completion of financial
tanggal penyelesaian laporan keuangan, Bank statement, Bank has not yet received the Tax
belum menerima Surat Ketetapan Pajak atas Assessment letter for the SPHP.
SPHP tersebut.
22. LIABILITAS IMBALAN KERJA 22. EMPLOYEE BENEFITS LIABILITIES
Berdasarkan Peraturan Perusahaan, Bank Based on Internal regulation, the Bank has an
mempunyai kewajiban untuk memberikan imbalan obligation to provide benefits to certain employees
kerja karyawan berdasarkan lama kerjanya based on employees length of services, when an
karyawan ketika karyawan tersebut diberhentikan employee is terminated or upon reaching the
atau meninggalkan Bank dikarenakan telah mandatory retirement age or resigns voluntarily.
mencapai usia pensiun atau berhenti dengan This reward has defined benefit characteristics in
sukarela. Imbalan ini telah mencerminkan nature.
karakteristik dari imbalan tersebut.
Bank menyelenggarakan program pensiun manfaat The Bank organized defined benefit pension
pasti bagi para karyawannya. Program pensiun ini program for the employees. This pension program
dikelola oleh Dana Pensiun Lembaga Keuangan is managed by Dana Pensiun Lembaga Keuangan
(DPLK) Indolife. Kontribusi ke DPLK Indolife (DPLK) Indolife. Contribution to DPLK Indolife are
ditanggung sepenuhnya oleh Bank. Kontribusi Bank fully paid by the Bank. Bank’s contribution to DPLK
ke DPLK sebesar Rp3.000 dan RpNihil masing- amounted to Rp3,000 and RpNil for years ended
masing untuk tahun yang berakhir pada tanggal- December 31, 2023 and 2022, respectively.
tanggal 31 Desember 2023 dan 2022.
Liabilitas imbalan kerja per tanggal-tanggal The employee benefits liabilities as of
31 Desember 2023 dan 2022 berdasarkan December 31, 2023 and 2022, were based on
perhitungan aktuaria yang dilakukan oleh aktuaris actuarial calculation performed by an independent
independen, Kantor Konsultan Aktuaria Steven & actuary, Kantor Konsultan Aktuaria Steven &
Mourits, berdasarkan laporannya Nomor 1037/ST- Mourits, based on their reports Number 1037/ST-
GG-PSAK24-INAP/III/2024 tertanggal 5 Maret 2024 GG-PSAK24-INAP/III/2024 dated March 5, 2024
dan laporannya Nomor 1037/ST-GG-PSAK24- and Number 1037/ST-GG-PSAK24-INAP/III/2023
INAP/III/2023 tertanggal 20 Maret 2023. dated March 20, 2023, respectively.
102
Page 477
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA (lanjutan) 22. EMPLOYEE BENEFITS LIABILITIES (continued)
Asumsi utama yang digunakan dalam perhitungan The actuarial valuation was carried out using
aktuaris adalah sebagai berikut: the following key assumptions:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Tingkat diskonto per tahun 6,80% 7,35% Discount rate per annum
Tingkat proyeksi kenaikan gaji
per tahun 8,00% 8,00% Salary increase rate per annum
Tingkat pengembalian aset program 6,80% 7,35% Rate of return plan assets
Usia pensiun normal 55 tahun/years 55 tahun/years Normal pension age
Tingkat mortalitas (kematian) TMI - 2019 TMI - 2011 Mortality rate
10% dari TMI 2019/ 10% dari TMI 2011/
Tingkat Cacat 10% from TMI 2019 10% from TMI 2011 Disability Rate
Tingkat Pengunduran Diri Resignation Rate
Usia 15 - 29 tahun 6% per tahun/year 6% per tahun/year 15 - 29 years old
Usia 30 - 34 tahun 3% per tahun/year 3% per tahun/year 30 - 34 years old
1,80% per tahun/ 1,80% per tahun/
Usia 35 - 39 tahun year year 35 - 39 years old
1,20% per tahun/ 1,20% per tahun/
Usia 40 - 50 tahun year year 40 - 50 years old
0,60% per tahun/ 0,60% per tahun/
Usia 51 - 52 tahun year year 51 - 52 years old
Usia 52 tahun ke atas 0% 0% above 52 years old
Liabilitas imbalan kerja terdiri dari: Employee benefit liabilities consists of as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Liabilitas program imbalan pasti 21.661 15.115 Defined benefit program obligation
Liabilitas program imbalan pasti Defined benefit obligation
Jumlah liabilitas program imbalan pasti berdasarkan The balance of defined benefit obligation based
perhitungan aktuaria independen per tanggal- on the calculation from independent actuary as
tanggal 31 Desember 2023 dan 2022 adalah of December 31, 2023 and 2022, are as follows:
sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Nilai kini liabilitas program Present value of defined benefit
imbalan pasti 28.442 22.895 program obligation
Nilai wajar aset program (6.781) (7.780) Fair value of plan assets
Total 21.661 15.115 Total
103
Page 478
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA (lanjutan) 22. EMPLOYEE BENEFITS LIABILITIES (continued)
Liabilitas program imbalan pasti (lanjutan) Defined benefit obligation (continued)
Perubahan nilai kini liabilitas program imbalan pasti The changes in present value of defined benefit
adalah sebagai berikut: obligation are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Saldo awal 22.895 21.612 Beginning balance
Beban jasa kini 6.971 4.980 Current service cost
Beban bunga 1.527 1.286 Interest cost
Aset program yang dialihkan (1.594) - Transferred assets program
Manfaat yang dibayarkan oleh
program (2.801) (2.007) Benefit paid by program
Pembayaran imbalan kerja
oleh Bank (48) (12) Benefit paid by Bank
Liabilitas yang harus diakui Liabilities assumed due to
terkait pengakuan beban jasa lalu 272 368 recognition of past service cost
Penyesuaian atas perubahan Adjustment due to change in
metode atribusi - (2.857) benefits atribution method
(Keuntungan) kerugian aktuarial: Actuarial (gain) loss:
perubahan asumsi keuangan 1.068 (519) changes in financial assumptions
experience adjustments 152 44 experience adjustments
Saldo akhir 28.442 22.895 Ending balance
Beban program imbalan pasti adalah sebagai Defined benefit obligation expense are as
berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Beban jasa kini 6.971 4.980 Current service cost
Beban bunga 1.527 1.286 Interest expense
Penghasilan bunga aset program (579) (615) Interest income from plan assets
Liabilitas yang harus diakui terkait Liabilities assumed due to
pengakuan beban jasa lalu 272 368 recognition of past service cost
Manfaat tambahan yang dibayarkan - 8 Excess benefit paid
Penyesuaian atas perubahan Adjustment due to change in
metode atribusi - (2.857) benefits atribution method
Beban imbalan kerja 8.191 3.170 Employee benefit expense
104
Page 479
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA (lanjutan) 22. EMPLOYEE BENEFITS LIABILITIES (continued)
Liabilitas program imbalan pasti (lanjutan) Defined benefit obligation (continued)
Rekonsiliasi perubahan liabilitas program imbalan The reconciliation of change of defined benefit
pasti selama tahun berjalan adalah sebagai berikut: obligation during the year are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Saldo awal 15.115 12.220 Beginning balance
Beban imbalan kerja pada Employee benefits expenses charged in
laporan laba rugi 8.191 3.170 statement of profit or loss
(Keuntungan) kerugian
pengukuran kembali (Gain) loss on
imbalan kerja pada remeasurement of employee benefits
penghasilan komprehensif lain 1.403 (255) to other comprehensive income
Kontribusi ke aset program (3.000) - Contribution to plan assets
Pembayaran imbalan kerja
oleh Bank (48) (20) Benefit paid by Bank
Saldo akhir 21.661 15.115 Ending balance
Perubahan nilai wajar aset program adalah sebagai The change of fair value of plan assets are as
berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Saldo awal 7.780 9.392 Beginning balance
Kontribusi ke aset program 3.000 - Contribution to plan assets
Manfaat yang dibayarkan
oleh aset program (2.801) (2.007) Benefit paid by plan assets
Pendapatan bunga dari
aset program 579 615 Interest income from plan assets
Aset program yang dialihkan (1.594) - Transferred plan assets
Imbal hasil atas aset program,
tidak termasuk pendapatan Return on plan assets,
bunga (183) (220) excluding interest income
Saldo akhir 6.781 7.780 Ending balance
Pengukuran kembali (kerugian) keuntungan di Remeasurement of (loss) gain in other
penghasilan komprehensif lain adalah sebagai comprehensive income are as follows:
berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
2023 2022
Saldo awal (693) (948) Beginning balance
(Keuntungan) kerugian aktuarial
atas liabilitas (1.220) 475 Actuarial (gain) loss on liability
Imbal hasil atas aset program,
tidak termasuk pendapatan Return on plan assets,
bunga (183) (220) excluding interest income
Saldo akhir (2.096) (693) Ending balance
105
Page 480
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. LIABILITAS IMBALAN KERJA (lanjutan) 22. EMPLOYEE BENEFITS LIABILITIES (continued)
Liabilitas program imbalan pasti (lanjutan) Defined benefit obligation (continued)
Seluruh portofolio investasi aset program pada All of the investment portfolio of plan assets as
tanggal-tanggal 31 Desember 2023 dan 2022 of December 31, 2023 and 2022, are placed in
ditempatkan pada deposito dan obligasi pemerintah the deposits and government bonds with
dengan jangka waktu kurang dari 1 tahun. maturity less than a year.
Durasi rata-rata tertimbang dari nilai kini liabilitas The weighted average duration of present value
imbalan kerja diakhir periode pelaporan of benefit obligation at the end of reporting
31 Desember 2023 dan 2022 masing-masing period December 31, 2023 and 2022 is 15.83
adalah 15,83 tahun dan 14,55 tahun. years and 14.55 years, respectively.
Berikut menunjukan analisa sensitivitas nilai kini The sensitivity analysis of the present value of
liabilitas imbalan kerja diasumsikan terdapat employee benefit liabilities in the assumed
perubahan atas tingkat diskonto dan tingkat changes in the discount rate and salary
kenaikan gaji: increase:
31 Desember/December 31, 2023
Tingkat diskonto/ Tingkat kenaikan gaji/
Discount Rate Salary increase rate
Kenaikan/ Penurunan/ Kenaikan/ Penurunan/
Increase 1% Decrease 1% Increase 1% Decrease 1%
Dampak pada nilai kini (2.358) 2.705 2.698 (2.397) Impact on present value
liabilitas imbalan kerja employee benefit liabilities
31 Desember/December 31, 2022
Tingkat diskonto/ Tingkat kenaikan gaji/
Discount Rate Salary increase rate
Kenaikan/ Penurunan/ Kenaikan/ Penurunan/
Increase 1% Decrease 1% Increase 1% Decrease 1%
Dampak pada nilai kini Impact on present value
liabilitas imbalan kerja (1.586) 1.809 1.817 (1.622) employee benefit liabilities
Analisis profil jatuh tempo pembayaran program Maturity profile analysis of payment defined
imbalan pasti adalah sebagai berikut: benefit obligation are as follows:
31 Desember/
December 31, 2023
1 tahun/ 2 - 5 tahun/ > 5 tahun/
years years years
2.515 11.628 128.125
31 Desember/
December 31, 2022
1 tahun/ 2 - 5 tahun/ > 5 tahun/
years years years
4.232 9.078 81.085
23. UTANG BUNGA 23. INTEREST PAYABLES
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
Deposito berjangka 39.968 19.405 Time deposits
Interbank Call Money 396 545 Interbank Call Money
Deposito on Call 187 234 On Call deposits
Mata uang asing Foreign currency
Deposito berjangka 927 843 Time deposits
Total 41.478 21.027 Total
106
Page 481
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. UTANG BUNGA (lanjutan) 23. INTEREST PAYABLES (continued)
Pada tanggal-tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, interest
utang bunga kepada pihak berelasi masing-masing payable to related parties are Rp2,821 and
sebesar Rp2.821 dan Rp1.230 (Catatan 35). Rp1,230, respectively (Note 35).
24. LIABILITAS LAIN-LAIN 24. OTHER LIABILITIES
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Liabilitas sewa (Catatan 43) 34.387 36.706 Lease liabilities (Note 43)
Cadangan bonus, insentif, dan Allowance for bonus, incentives,
penghargaan 31.376 26.146 and appreciation
Setoran Jaminan 4.174 11.230 Guarantee Deposits
Cadangan kerugian penurunan Allowance for impairment losses
nilai komitmen dan commitment and contingencies
kontinjensi (Catatan 34) 11.241 8.572 (Note 34)
Biaya yang masih harus dibayar 4.807 5.787 Accrued expense
Provisi atas kredit yang Provision for loan
belum dicairkan 6.937 2.840 not yet disbursed
Cadangan iuran OJK 1.731 2.343 Allowance for OJK
Titipan realisasi lelang jaminan 1.449 1.513 Proceeds of collateral auction
Provisi legal (Catatan 38) - 892 Legal provision (Note 38)
Lain-lain 97 102 Others
Total 96.199 96.131 Total
Liabilitas sewa merupakan nilai kini dari pembayaran Lease liabilities represents the present value of
kontrak sewa yang dilakukan oleh Bank. the contract lease payments made by the Bank.
Cadangan bonus, insentif dan penghargaan Allowance for bonus, incentives and appreciation
merupakan cadangan atas pembayaran bonus dan are allowance for payment of bonus and
insentif kepada karyawan dan penghargaan kepada incentives to employees and awards to the Bank's
pengurus Bank. management.
Setoran Jaminan merupakan setoran yang Guarantee Deposits are deposits paid from
dibayarkan oleh debitur untuk jaminan atas transaksi customer for guarantee of SKBDN transaction.
SKBDN.
Biaya yang masih harus dibayar merupakan akrual Accrued expenses are accrued for payment of
atas pembayaran barang dan jasa ke pihak ketiga. goods and services to third parties.
Cadangan kerugian penurunan nilai komitmen dan Allowance for impairment losses on commitments
kontinjensi merupakan cadangan yang dibentuk atas and contingencies is an allowance provided on
akun-akun liabilitas komitmen dan kontinjensi. commitment and contingent liability accounts.
Cadangan iuran OJK merupakan cadangan atas Allowance for OJK is a accrual for annual fee
pembayaran biaya tahunan ke OJK yang akan payments to OJK which will be paid in the
dibayarkan di triwulan berikutnya. following quarter.
Titipan realisasi lelang jaminan merupakan hasil Proceeds of collateral auction is a proceeds of the
penjualan agunan milik debitur yang belum sale of the debtor’s loan collateral which not yet
diselesaikan dengan kredit yang diberikan. settled to the loans.
Provisi legal merupakan provisi yang dibentuk atas Legal provision is a provision on PPA claims for
tagihan PPA atas fasilitas L/C jatuh tempo yang maturity of L/C facility derived from the transfer of
berasal dari pengalihan tagihan PT Bank Umum claims PT Bank Umum Nasional ("BUN")
Nasional (“BUN”) (Bank Beku Kegiatan Operasi) (Suspension Bank Operations) were transferred
yang dialihkan ke Badan Penyehatan Perbankan to the Indonesian Bank Restructuring Agency
Nasional (“BPPN”) (Catatan 38). ("IBRA") (Note 38).
107
Page 482
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
24. LIABILITAS LAIN-LAIN (lanjutan) 24. OTHER LIABILITIES (continued)
Pengungkapan liabilitas sewa adalah sebagai Lease liabilities disclosed as follows:
berikut:
Saldo awal Penambahan Beban bunga Liabilitas sewa yang Saldo akhir
1 Januari 2023/ liabilitas sewa/ atas liabilitas sewa/ telah dibayarkan/ 31 Desember 2023/
Beginning balance Addition of Interest expense Lease liabilities Ending balance
Kategori aset pendasar January 1, 2023 lease liabilities on lease liabilities paid December 31, 2023 Category of underlying asset
Bangunan 15.581 2.912 1.184 (11.838) 7.839 Buildings
Komputer dan mesin 17.675 15.595 2.613 (9.759) 26.124 Computer and machine
Kendaraan bermotor 3.450 - 200 (3.226) 424 Vehicles
Total 36.706 18.507 3.997 (24.823) 34.387 Total
Saldo awal Penambahan Beban bunga Liabilitas sewa yang Saldo akhir
1 Januari 2022/ liabilitas sewa/ atas liabilitas sewa/ telah dibayarkan/ 31 Desember 2022/
Beginning balance Addition of Interest expense Lease liabilities Ending balance
Kategori aset pendasar January 1, 2022 lease liabilities on lease liabilities paid December 31, 2022 Category of underlying asset
Bangunan 21.537 1.553 1.696 (9.205) 15.581 Buildings
Komputer dan mesin 15.164 5.545 2.826 (5.860) 17.675 Computer and machine
Kendaraan bermotor 6.457 - 471 (3.478) 3.450 Vehicles
Total 43.158 7.098 4.993 (18.543) 36.706 Total
Analisis jatuh tempo liabilitas lain-lain terkait sewa Maturity analysis of other liabilities related with
untuk 31 Desember 2023 dan 2022. leases as of December 31, 2023 and 2022.
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
< 1 tahun 19.696 20.192 < 1 year
1 - 3 tahun 3.940 15.205 1 - 3 year
3 - 5 tahun 10.751 1.309 3 - 5 year
Total 34.387 36.706 Total
25. MODAL SAHAM 25. CAPITAL STOCK
Susunan pemegang saham Bank dan The composition of the Bank's shareholders and
kepemilikannya masing-masing pada tanggal their respective ownership interest as of
31 Desember 2023 adalah sebagai berikut: December 31, 2023 are as follows:
Jumlah Saham
Ditempatkan
dan Disetor Penuh/ Persentase
Number of Shares Pemilikan/
Issued Percentage of
Pemegang Saham and Fully Paid Ownerships Total Shareholders
PT Indolife Pensiontama 1.400.830.852 22,83% 140.083 PT Indolife Pensiontama
PT Samudra Biru 1.114.213.066 18,16% 111.421 PT Samudra Biru
UOB Kay Hian Pte. Ltd. **) 1.034.416.550 16,86% 103.442 UOB Kay Hian Pte. Ltd.**)
PT Gaya Hidup Masa Kini 726.190.057 11,84% 72.619 PT Gaya Hidup Masa Kini
DBS Bank Ltd S/A LTSL DBS Bank Ltd S/A LTSL
as Trustee of NS Financial Fund *) 593.387.750 9,67% 59.339 as Trustee of NS Financial Fund *)
Masyarakat (masing-masing
dibawah 5%) 1.265.678.390 20,64% 126.568 Public (each below 5%)
Total 6.134.716.665 100,00% 613.472 Total
108
Page 483
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
25. MODAL SAHAM (lanjutan) 25. CAPITAL STOCK (continued)
Susunan pemegang saham Bank dan The composition of the Bank's shareholders and
kepemilikannya masing-masing pada tanggal their respective ownership interest as of
31 Desember 2022 adalah sebagai berikut: December 31, 2022 are as follows:
Jumlah Saham
Ditempatkan
dan Disetor Penuh/ Persentase
Number of Shares Pemilikan/
Issued Percentage of
Pemegang Saham and Fully Paid Ownerships Total Shareholders
PT Indolife Pensiontama 1.334.124.622 22,47% 133.413 PT Indolife Pensiontama
PT Samudra Biru 1.042.583.873 17,56% 104.258 PT Samudra Biru
UOB Kay Hian Pte. Ltd. **) 1.034.416.550 17,42% 103.442 UOB Kay Hian Pte. Ltd.**)
PT Gaya Hidup Masa Kini 673.038.150 11,34% 67.304 PT Gaya Hidup Masa Kini
DBS Bank Ltd S/A LTSL DBS Bank Ltd S/A LTSL
as Trustee of NS Financial Fund *) 593.387.750 9,99% 59.339 as Trustee of NS Financial Fund *)
PT Philadel Terra Lestari 343.468.200 5.79% 34.347 PT Philadel Terra Lestari
Masyarakat (masing-masing
dibawah 5%) 916.074.605 15,43% 91.607 Public (each below 5%)
Total 5.937.093.750 100,00% 593.710 Total
*) Liontrust S/A NS Asean Financials Fund - 869344007 dan DBS *) Liontrust S/A NS Asean Financials Fund - 869344007 and DBS
Bank Ltd S/A LTSL as Trustee of NS Financial Fund Bank Ltd S/A LTSL as Trustee of NS Financial Fund are the
merupakan pemegang saham bukan pemegang saham shareholders acting as non controlling shareholder through
pengendali Perusahaan melalui pasar modal. capital market.
**) UOB Kay Hian Pte Ltd. sejak tanggal 31 Januari 2022 sebagai **) UOB Kay Hian Pte Ltd. since January 31, 2022 as custody of
custody dari Liontrust S/A NS Asean Financials Fund - Liontrust S/A NS Asean Financials Fund - 869344007.
869344007.
26. TAMBAHAN MODAL DISETOR 26. ADDITIONAL PAID-IN CAPITAL
Akun ini merupakan tambahan modal disetor This account represents additional paid-in capital
sehubungan dengan penerbitan saham. related to the issuance of shares.
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Agio saham 65.492 65.492 Shares premium
Tambahan modal disetor Additional paid-in capital
Right issue I (2016) 87.500 87.500 Right issue I (2016)
Biaya emisi saham Share issuance cost
Right issue I (2016) (3.912) (3.912) Right issue I (2016)
Tambahan modal disetor Additional paid-in capital
Right issue II (2017) 410.112 410.112 Right issue II (2017)
Biaya emisi saham Share issuance cost
Right issue II (2017) (7.680) (7.680) Right issue II (2017)
Tambahan modal disetor Additional paid-in capital
Right issue III (2021) 1.159.147 1.159.147 Right issue III (2021)
Biaya emisi saham Share issuance cost
Right issue III (2021) (3.317) (3.317) Right issue III (2021)
Tambahan modal disetor Additional paid-in capital
Right issue IV (2022) 780.611 - Right issue IV (2022)
Biaya emisi saham Share issuance cost
Right issue IV (2022) (5.665) - Right issue IV (2022)
Saldo akhir 2.482.288 1.707.342 Ending balance
109
Page 484
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
26. TAMBAHAN MODAL DISETOR (lanjutan) 26. ADDITIONAL PAID-IN CAPITAL (continued)
Berdasarkan keputusan Rapat Dewan Komisaris Based on the decision of the Board of
No. 11 tanggal 8 Februari 2022 dari Leolin Commissioners Meeting No. 11 dated February 8,
Jayayanti, S.H., notaris di Jakarta, disetujui 2022 from Leolin Jayayanti, SH, notary in Jakarta,
mengenai perubahan anggaran dasar dan approved the amendment to the articles of
peningkatan modal ditempatkan dan disetor penuh association and an increase in the issued and fully
dalam rangka Penawaran Umum Terbatas (PUT) III paid capital in the framework of the Limited Public
dari semula sebesar 5.654.375.000 lembar saham Offering (PUT) III from 5,654,375,000 shares with a
dengan total nilai nominal Rp565.438 menjadi total nominal value of Rp565,438 to 5,937,093,750
5.937.093.750 lembar saham dengan total nilai shares with total nominal value of Rp593,710. Such
nominal Rp593.710. Perubahan tersebut telah changes were recorded by the Ministry of Laws and
dicatat di Kementerian Hukum dan Hak Asasi Human Rights of the Republic of Indonesia in its
Manusia Republik Indonesia dengan surat decision letter No. AHU.AH.01.03-0103367 dated
keputusan No. AHU-AH.01.03-0103367 tanggal 16 February 16, 2022.
Februari 2022.
Bank telah menerima surat persetujuan dari OJK Bank received approval letter from OJK dated
tertanggal 10 Agustus 2022, dimana berdasarkan August 10, 2022, whereas according to the letter,
surat tersebut, OJK menyetujui penambahan modal OJK has approved the increase in the issued and
ditempatkan dan disetor penuh dan agio saham fully paid capital stock and additional paid-in capital
yang bersumber dari pelaksanaan PUT III sejak from the exercise of PUT III since December 31,
posisi 31 Desember 2022. 2022 position.
Berdasarkan Rapat Umum Pemegang Saham Luar Based on extraordinary meeting of shareholder
Biasa tanggal 3 Juni 2022, para pemegang saham dated June 3, 2022, the shareholders of
Bank menyetujui untuk melakukan penambahan the Bank approved the additional capital through
modal melalui Penawaran Umum Terbatas IV (PUT the Limited Public Offering IV (PUT IV) with pre-
IV) dengan memberikan Hak Memesan Efek emptive rights to the Bank’s shareholders at
Terlebih Dahulu (“HMETD”) kepada para pemegang 197,622,915 (one hundred ninety seven million six
saham Bank sejumlah 197.622.915 (seratus hundred twenty two thousand nine hundred fifteen)
sembilan puluh tujuh juta enam ratus dua puluh dua common registered shares with a nominal value of
ribu sembilan ratus lima belas) lembar saham biasa Rp100 per share (full amount) with exercise price of
atas nama dengan nominal Rp100 per lembar Rp4,050 per share (full amount). Bank’s
saham (nilai penuh) dengan harga pelaksanaan shareholders also approved to assign the power and
Rp4.050 per lembar saham (nilai penuh). Pemegang authority to Board of Commissioners and/or
saham Bank juga menyetujui untuk memberikan Directors to change the Bank’s Article of Association
wewenang dan kuasa kepada Dewan Komisaris related to the PUT IV exercise.
dan/atau Direksi untuk mengubah Anggaran Dasar
Bank sehubungan dengan pelaksanaan PUT IV.
Pada tanggal 30 November 2022, Bank On November 30, 2022, the Bank received Effective
mendapatkan Surat Pemberitahuan Efektif atas Notification Letter on PUT IV from OJK.
PUT IV tersebut dari OJK.
Berdasarkan Akta Pernyataan Keputusan Rapat Based on the Deed of Statement of Decision of the
Dewan Komisaris No. 44 tanggal 23 Februari 2023, Board of Commissioners Meeting No. 44 dated
disetujui perubahan modal dasar, ditempatkan dan February 23, 2023, it was approved to change the
disetor penuh dari hasil Penawaran Umum Terbatas authorized, issued and fully paid capital from the
(PUT) IV dari semula sebesar Rp593.710 atau results of the Limited Public Offering (PUT) IV from
sejumlah 5.937.093.750 lembar saham menjadi the original amounting to Rp593,710 or a total of
sebesar Rp613.472 atau sejumlah 6.134.716.665 5,937,093,750 shares to Rp613,472 or a total of
lembar saham. Bank telah mengajukan permohonan 6,134,716,665 shares. The Bank has submitted an
persetujuan peningkatan modal dasar, ditempatkan request for approval for the increase in authorized,
dan disetor penuh tersebut ke OJK berdasarkan issued and fully paid capital to OJK based on a letter
surat di tanggal 27 Februari 2023. dated February 27, 2023.
110
Page 485
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
26. TAMBAHAN MODAL DISETOR (lanjutan) 26. ADDITIONAL PAID-IN CAPITAL (continued)
Bank telah menerima surat persetujuan dari OJK Bank received approval letter from OJK dated May
tertanggal 5 Mei 2023, dimana berdasarkan surat 5, 2023, whereas according to the letter, OJK has
tersebut, OJK menyetujui penambahan modal approved the increase in the issued and fully paid
ditempatkan dan disetor penuh dan agio saham capital stock and additional paid-in capital from the
yang bersumber dari pelaksanaan PUT IV. exercise of PUT IV.
Dana setoran modal Capital deposit fund
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Tambahan modal disetor Additional paid-in capital
Right issue IV (2022) - 800.373 Right issue IV (2022)
Biaya emisi saham Share issuance cost
Right issue IV (2022) - (5.665) Right issue IV (2022)
Saldo akhir - 794.708 Ending balance
Berdasarkan Rapat Umum Pemegang Saham Luar Based on extraordinary meeting of shareholder
Biasa tanggal 3 Juni 2022, para pemegang saham dated June 3, 2022, the shareholders of
Bank menyetujui untuk melakukan penambahan the Bank approved the additional capital through
modal melalui Penawaran Umum Terbatas IV (PUT the Limited Public Offering IV (PUT IV) with pre-
IV) dengan memberikan Hak Memesan Efek emptive rights to the Bank’s shareholders at
Terlebih Dahulu (“HMETD”) kepada para pemegang 197,622,915 (one hundred ninety seven million six
saham Bank sejumlah 197.622.915 (seratus hundred twenty two thousand nine hundred fifteen)
sembilan puluh tujuh juta enam ratus dua puluh dua common registered shares with a nominal value of
ribu sembilan ratus lima belas) lembar saham biasa Rp100 per share (full amount) with exercise price of
atas nama dengan nominal Rp100 per lembar Rp4,050 per share (full amount). Bank’s
saham (nilai penuh) dengan harga pelaksanaan shareholders also approved to assign the power and
Rp4.050 per lembar saham (nilai penuh). Pemegang authority to Board of Commissioners and/or
saham Bank juga menyetujui untuk memberikan Directors to change the Bank’s Article of Association
wewenang dan kuasa kepada Dewan Komisaris related to the PUT IV exercise.
dan/atau Direksi untuk mengubah Anggaran Dasar
Bank sehubungan dengan pelaksanaan PUT IV.
Pada tanggal 30 November 2022, Bank On November 30, 2022, the Bank received Effective
mendapatkan Surat Pemberitahuan Efektif atas Notification Letter on PUT IV from OJK.
PUT IV tersebut dari OJK.
Pada tanggal 31 Desember 2022, Bank mencatat As of December 31, 2022, Bank recorded the fund
dana hasil PUT IV sebesar Rp794.708 sebagai dana from PUT IV amounting to Rp794,708 as capital
setoran modal karena belum diaktakan dan belum deposit fund due to it has not been notarized nor
mendapatkan persetujuan dari OJK. obtained approval from OJK.
Berdasarkan Akta Pernyataan Keputusan Rapat Based on the Deed of Statement of Decision of the
Dewan Komisaris No. 44 tanggal 23 Februari 2023, Board of Commissioners Meeting No. 44 dated
disetujui perubahan modal dasar, ditempatkan dan February 23, 2023, it was approved to change the
disetor penuh dari hasil Penawaran Umum Terbatas authorized, issued and fully paid capital from the
(PUT) IV dari semula sebesar Rp593.710 atau results of the Limited Public Offering (PUT) IV from
sejumlah 5.937.093.750 lembar saham menjadi the original amounting to Rp593,710 or a total of
sebesar Rp613.472 atau sejumlah 6.134.716.665 5,937,093,750 shares to Rp613,472 or a total of
lembar saham. 6,134,716,665 shares.
111
Page 486
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
26. TAMBAHAN MODAL DISETOR (lanjutan) 26. ADDITIONAL PAID-IN CAPITAL (continued)
Pada tanggal 5 Mei 2023, Bank mendapatkan Surat On May 5, 2023, the Bank received Letter from OJK
dari OJK yang menyetujui pencatatan hasil which approved the recording of the exercise of PUT
pelaksanaan PUT IV tersebut dari dana setoran IV from capital deposit fund to become capital stock
modal menjadi komponen modal disetor dan and additional paid-in capital.
tambahan modal disetor.
27. PENGGUNAAN LABA NETO 27. APPROPRIATION OF NET INCOME
Berdasarkan Rapat Umum Pemegang Saham Bank Based on the General Meeting of Shareholders of
tanggal 16 Juni 2023, Pemegang saham Bank the Bank dated June 16, 2023, the shareholders of
menyetujui untuk mengalokasikan laba bersih tahun the Bank agreed to allocate the net income for year
2022 sebesar Rp31.409 sebagai cadangan umum. 2022 amounting to Rp31,409 as general reserve.
Berdasarkan Rapat Umum Pemegang Saham Bank Based on the General Meeting of Shareholders of
tanggal 3 Juni 2022, Pemegang saham Bank the Bank dated June 3, 2022, the shareholders of
menyetujui untuk mengalokasikan laba bersih tahun the Bank agreed to allocate the net income for year
2021 sebesar Rp7.950 sebagai cadangan umum. 2021 amounting to Rp7,950 as general reserve.
Pada tanggal-tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, the Bank’s
2022, cadangan umum Bank masing-masing general reserves amounted to Rp64,995 and
sebesar Rp64.995 dan Rp33.586. Cadangan umum Rp33,586, respectively. The general and statutory
dan wajib ini dibentuk sehubungan dengan Undang- reserves were provided in relation with the Law of
undang Republik Indonesia No. 1/1995 yang telah the Republic of Indonesia No. 1/1995 which has
digantikan dengan Undang-undang No. 40/2007 been replaced with Law No. 40/2007 effective on
efektif tanggal 16 Agustus 2007 mengenai August 16, 2007 regarding the Limited Liability
Perseroan Terbatas, yang mengharuskan Company which requires companies to set up a
perusahaan-perusahaan untuk membuat general reserve amounting to at least 20% of the
penyisihan cadangan umum sebesar sekurang- issued and paid up share capital. There is no
kurangnya 20% dari jumlah modal yang ditempatkan timeline over which this amount should be provided.
dan disetor penuh. Undang-undang tersebut tidak
mengatur jangka waktu untuk penyisihan tersebut.
112
Page 487
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
28. PENDAPATAN BUNGA 28. INTEREST INCOME
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Kredit yang diberikan 1.168.862 676.315 Loans
Efek-efek 279.133 328.710 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased
untuk dijual kembali 152.533 57.797 under resale agreements
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 104.034 87.907 and other banks
Tagihan anjak piutang 9.852 13.659 Factoring receivables
Giro pada Bank Indonesia dan Current account with Bank Indonesia
bank lain 12.191 8.362 and other banks
Total 1.726.605 1.172.750 Total
Pendapatan bunga yang diterima dari pihak berelasi Interest income from related parties for year ended
untuk tahun yang berakhir pada tanggal-tanggal December 31, 2023 and 2022 are Rp9,592 and
31 Desember 2023 dan 2022 masing-masing Rp7,921 or 0.56% and 0.68% from total interest
sebesar Rp9.592 dan Rp7.921 atau masing-masing income, respectively (Note 35).
sebesar 0,56% dan 0,68% dari jumlah pendapatan
bunga (Catatan 35).
29. BEBAN BUNGA 29. INTEREST EXPENSE
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Simpanan dari nasabah Deposits from customer
Deposito berjangka 709.641 323.677 Time deposits
Giro 235.607 242.805 Current accounts
Tabungan 15.154 8.168 Saving accounts
960.402 574.650
Simpanan dari bank lain Deposits from other banks
Interbank call money 5.758 1.350 Interbank call money
Giro 430 705 Current accounts
Deposito berjangka 7.407 200 Time deposits
13.595 2.255
Premi Lembaga Penjamin Simpanan Deposit Insurance Agency Premium
(Catatan 36) 37.722 30.993 (Note 36)
Lain-lain 3.997 4.993 Others
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 915 982 repurchase agreements
Total 1.016.631 613.873 Total
Beban bunga yang dibayarkan ke pihak berelasi Interest expense from related parties for year ended
untuk tahun yang berakhir pada tanggal-tanggal 31 December 31, 2023 and 2022 are Rp243,971 and
Desember 2023 dan 2022 masing-masing sebesar Rp185,975 or 24.00% and 30.30% from total
Rp243.971 dan Rp185.975 atau masing-masing interest expense, respectively (Note 35).
sebesar 24,00% dan 30,30% dari jumlah beban
bunga (Catatan 35).
113
Page 488
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
30. PENYISIHAN KERUGIAN PENURUNAN NILAI 30. PROVISION FOR IMPAIRMENT LOSSES
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Kredit yang diberikan (Catatan 10) 103.478 95.688 Loans (Note 10)
Efek-efek (Catatan 8) 11.206 629 Marketable securities (Note 8)
Komitmen dan kontinjensi (Catatan 34) 2.669 2.328 Commitments and contingencies (Note 34)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain (Catatan 7) 618 (330) and other banks (Note 7)
Giro pada bank lain (Catatan 6) 1 6 Current accounts with other banks (Note 6)
Aset lain-lain (Catatan 16) (31) 2.307 Other assets (Note 16)
Tagihan akseptasi (Catatan 12) (4) 50 Acceptance receivables (Note 12)
Total 117.935 100.678 Total
31. BEBAN TENAGA KERJA 31. PERSONNEL EXPENSES
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Gaji direksi dan karyawan 140.006 95.598 Directors and employee’s salary
Bonus, insentif, dan penghargaan 28.644 22.308 Bonus, incentives, and appreciation
Tunjangan hari raya 10.575 8.403 Holidays allowance
Gaji dan upah tenaga Salary and wage for
kerja outsourcing 15.234 11.510 outsourcing employee
Asuransi tenaga kerja 12.057 7.909 Employee’s insurance
Imbalan kerja (Catatan 22) 8.191 3.170 Employee benefits (Note 22)
Honorarium komisaris 1.564 2.448 Commissioner compensation
Tunjangan karyawan 2.830 1.666 Employee’s allowance
Lain-lain 708 646 Others
Total 219.809 153.658 Total
32. BEBAN UMUM DAN ADMINISTRASI DAN 32. GENERAL AND ADMINISTRATIVE AND OTHER
OPERASIONAL LAINNYA - LAIN-LAIN OPERATING EXPENSES - OTHERS
a. Beban Umum dan Administrasi a. General and Administrative Expenses
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Barang dan jasa 58.469 51.347 Good and services
Penyusutan aset tetap dan Depreciation of fixed assets and
aset hak guna (Catatan 15) 54.959 39.070 rights of use assets (Note 15)
Pemeliharaan dan perbaikan 17.763 17.536 Repair and maintenance
Promosi 8.716 4.112 Promotion
Pendidikan dan pelatihan 4.855 3.895 Training and education
Sewa 4.627 3.259 Rent
Asuransi 760 781 Insurance
Pajak 530 353 Tax
Lain-lain 69 94 Others
Total 150.748 120.447 Total
114
Page 489
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
32. BEBAN UMUM DAN ADMINISTRASI DAN 32. GENERAL AND ADMINISTRATIVE AND OTHER
OPERASIONAL LAINNYA - LAIN-LAIN (lanjutan) OPERATING EXPENSES - OTHERS (continued)
b. Beban Operasional Lainnya - Lain-Lain b. Other Operating Expenses - Others
Beban operasional lainnya - lain-lain terdiri dari Other operating expenses - others consist of
beban kerugian operasional, beban iuran OJK operating loss expenses, OJK fees and others.
dan lain-lain.
33. LABA PER SAHAM 33. EARNINGS PER SHARE
Laba per saham dasar dihitung dengan membagi Basic earnings per share is calculated by dividing
laba tahun berjalan dengan rata-rata tertimbang the income for the year by the weighted average
jumlah saham biasa yang beredar pada tahun number of ordinary shares outstanding during the
bersangkutan. year.
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Laba bersih tahun berjalan 207.876 157.048 Net income for the year
Jumlah rata-rata tertimbang Weighted average number of
saham biasa yang beredar 6.134.716.665 5.937.093.750 ordinary shares outstanding
Laba per saham dasar (nilai penuh) 33,89 26,45 Basic earnings per share (full amount)
Perhitungan laba per saham dilusian dengan The calculation of diluted earnings per share by
mempertimbangkan dana setoran modal adalah considering the capital deposit fund are as follows:
sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Laba bersih tahun berjalan 207.876 157.048 Net income for the year
Jumlah rata-rata tertimbang Weighted average number of
saham biasa yang beredar 6.134.716.665 5.943.049.509 ordinary shares outstanding
Laba per saham dilusian (nilai penuh) 33,89 26,43 Diluted earnings per share (full amount)
34. KOMITMEN DAN KONTINJENSI 34. COMMITMENTS AND CONTINGENCIES
Ikhtisar komitmen dan kontinjensi Bank yang The Bank’s commitments and contingencies at
dinyatakan dalam nilai kontrak serta dengan mata the equivalent Rupiah based on contractual
uang Rupiah adalah sebagai berikut: amounts are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Tagihan komitmen Commitment receivables
Posisi pembelian spot dan Buy spot and derivative
derivatif yang masih berjalan 36.394 146.111 on process
Lainnya 740 - Others
Total tagihan komitmen 37.134 146.111 Total commitment receivables
115
Page 490
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
34. KOMITMEN DAN KONTINJENSI (lanjutan) 34. COMMITMENTS AND CONTINGENCIES
(continued)
Ikhtisar komitmen dan kontinjensi Bank yang The Bank’s commitments and contingencies at
dinyatakan dalam nilai kontrak serta dengan mata the equivalent Rupiah based on contractual
uang Rupiah adalah sebagai berikut: (lanjutan) amounts are as follows: (continued)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Kewajiban komitmen Commitment payables
Fasilitas kredit yang Unused loan
belum digunakan (1.900.233) (2.096.327) facilities
Penjualan spot dan derivatif Selling spot and derivative
yang masih berjalan (146.386) (137.549) on process
Irrevocable letters of credit Irrevocable letters of credit
yang masih berjalan (25.010) (21.529) issued to customers
Total kewajiban komitmen (2.071.629) (2.255.405) Total commitment payables
Komitmen - neto (2.034.495) (2.109.294) Commitment - net
Kontinjensi Contingencies
Kewajiban kontinjensi Contingent payables
Bank Garansi (111.161) (33.598) Bank guarantee
Total kewajiban kontinjensi (111.161) (33.598) Total contingent payables
Komitmen dan kontinjensi - neto (2.145.656) (2.142.893) Commitments and contingencies - net
Saldo bank garansi yang dijaminkan dengan Bank guarantee covered with collateral of time
deposito berjangka pada tanggal-tanggal deposit as of December 31, 2023 and 2022 are
31 Desember 2023 dan 2022 masing-masing Rp53,152 and Rp480, respectively. While as of
sebesar Rp53.152 dan Rp480. Sedangkan pada December 31, 2023 and 2022, bank guarantee
tanggal-tanggal 31 Desember 2023 dan 2022, saldo covered with collateral of current accounts are
bank garansi yang dijaminkan dengan giro masing- RpNil, respectively (Note 18).
masing sebesar RpNihil (Catatan 18).
Tabel berikut menyajikan perubahan nilai tercatat The following table presents the changes in the
fasilitas kredit yang belum digunakan. carrying value of unused loan facility.
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Fasilitas kredit
yang belum digunakan Unused loan facilities
Saldo awal 2.087.320 9.007 - 2.096.327 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (6.770) 5.501 1.269 - (stage 1)
Transfer dari kerugian kredit Transfer for lifetime expected
ekspektasian tidak mengalami credit loss
penurunan nilai (stage 2) 2.114 (2.114) - - - unimpaired (stage 2)
Total saldo awal Total beginning
setelah pengalihan 2.082.664 12.394 1.269 2.096.327 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 1.278.531 4.643 1.577 1.284.751 issued or purchased
Aset keuangan yang
dihentikan pengakuannya (1.474.342) (6.503) - (1.480.845) Financial assets derecognized
Total 1.886.853 10.534 2.846 1.900.233 Total
116
Page 491
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
34. KOMITMEN DAN KONTINJENSI (lanjutan) 34. COMMITMENTS AND CONTINGENCIES
(continued)
Tabel berikut menyajikan perubahan nilai tercatat The following table presents the changes in the
fasilitas kredit yang belum digunakan. (lanjutan) carrying value of unused loan facility. (continued)
31 Desember 2022/December 31, 2022
Stage 1 Stage 2 Stage 3 Total
Fasilitas kredit
yang belum digunakan Unused loan facilities
Saldo awal 1.436.925 - 1.050 1.437.975 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (1.847) 1.847 - - (stage 1)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 993 57 (1.050) - loans (stage 3)
Total saldo awal Total beginning
setelah pengalihan 1.436.071 1.904 - 1.437.975 balance after transfer
Aset keuangan baru yang New financial assets
diterbitkan atau dibeli 1.457.715 7.103 - 1.464.818 issued or purchased
Aset keuangan yang
dihentikan pengakuannya (806.466) - - (806.466) Financial assets derecognized
Total 2.087.320 9.007 - 2.096.327 Total
Tabel berikut menyajikan perubahan cadangan The following table presents the changes in the
kerugian ekspektasian fasilitas kredit yang belum expected credit losses of unused loan facility.
digunakan.
31 Desember 2023/December 31, 2023
Stage 1 Stage 2 Stage 3 Total
Saldo awal 7.350 1.089 - 8.439 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (36) 32 4 - (stage 1)
Transfer dari kerugian kredit Transfer for lifetime expected
ekspektasian tidak mengalami credit loss
penurunan nilai (stage 2) 258 (258) - - - unimpaired (stage 2)
Total saldo awal
setelah pengalihan 7.572 863 4 8.439 Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian (46) (96) 14 (128) Net remeasurement of allowance
Aset keuangan baru yang Financial assets issued
diterbitkan atau dibeli 8.574 1 - 8.575 or purchased
Aset keuangan yang
dihentikan pengakuannya (5.077) (766) - (5.843) Financial assets derecognized
Total penambahan 3.451 (861) 14 2.604 Total additional
Saldo akhir 11.023 2 18 11.043 Ending balance
31 Desember 2022/December 31, 2022
Stage 1 Stage 2 Stage 3 Total
Saldo awal 6.111 - 5 6.116 Beginning balance
Transfer dari kerugian kredit Transfer from 12 months
ekspektasian 12 bulan expected credit loss
(stage 1) (5) 5 - - (stage 1)
Transfer dari kredit yang diberikan
yang mengalami penurunan Transfer from impaired
nilai (stage 3) 5 - (5) - loans (stage 3)
Total saldo awal
setelah pengalihan 6.111 5 - 6.116 Total beginning balance after transfer
Pengukuran kembali bersih
penyisihan kerugian (787) 1.082 - 295 Net remeasurement of allowance
Aset keuangan baru yang Financial assets issued
diterbitkan atau dibeli 4.846 2 - 4.848 or purchased
Aset keuangan yang
dihentikan pengakuannya (2.820) - - (2.820) Financial assets derecognized
Total penambahan 1.239 1.084 - 2.323 Total additional
Saldo akhir 7.350 1.089 - 8.439 Ending balance
117
Page 492
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
34. KOMITMEN DAN KONTINJENSI (lanjutan) 34. COMMITMENTS AND CONTINGENCIES
(continued)
Mutasi nilai tercatat letter of credit yang diterbitkan Movement of carrying value of letter of credit issued
(semua letter of credit adalah stage 1) adalah (all letter of credits are stage 1) are as follows:
sebagai berikut:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Saldo awal 22.983 1.569 Beginning balance
Pengukuran kembali (8.880) (727) Remeasurement
Aset keuangan yang baru diterbitkan 295.512 445.995 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (284.605) (425.308) Financial assets derecognized
Saldo akhir 25.010 21.529 Ending balance
Mutasi cadangan kerugian penurunan nilai letter of Movement of allowance for impairment losses of
credit yang diterbitkan (semua letter of credit adalah letter of credit issued (all letter of credits are stage
stage 1) adalah sebagai berikut: 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Saldo awal 14 4 Beginning balance
Aset keuangan yang baru diterbitkan 24 14 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (14) (4) Financial assets derecognized
Saldo akhir 24 14 Ending balance
Mutasi nilai tercatat bank garansi yang diterbitkan Movement of carrying value of bank guarantee
(semua bank garansi adalah stage 1) adalah issued (all bank guarantees are stage 1) are as
sebagai berikut: follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Saldo awal 33.598 24.650 Beginning balance
Aset keuangan yang baru diterbitkan 106.211 33.598 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (28.648) (24.650) Financial assets derecognized
Saldo akhir 111.161 33.598 Ending balance
118
Page 493
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
34. KOMITMEN DAN KONTINJENSI (lanjutan) 34. COMMITMENTS AND CONTINGENCIES
(continued)
Mutasi cadangan kerugian penurunan nilai bank Movement of allowance of impairment losses of
garansi yang diterbitkan (semua bank garansi bank guarantee issued (all bank guarantee are
adalah stage 1) adalah sebagai berikut: stage 1) are as follows:
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
Saldo awal 119 124 Beginning balance
Aset keuangan yang baru diterbitkan 149 119 New financial assets issued
Aset keuangan yang dihentikan
pengakuannya (94) (124) Financial assets derecognized
Saldo akhir 174 119 Ending balance
35. TRANSAKSI DENGAN PIHAK-PIHAK YANG 35. TRANSACTIONS WITH RELATED PARTIES
BERELASI
Dalam kegiatan normal usaha, Bank melakukan In the normal course of business, the Bank engages
transaksi dengan pihak berelasi, karena hubungan in transactions with related parties due to
kepemilikan dan/atau kepengurusan. Semua the relationship of ownership and/or management.
transaksi dengan pihak berelasi telah dilakukan All transactions with related parties were made
dengan kebijakan dan syarat yang telah disepakati according to the mutually agreed policies and terms,
bersama, dimana persyaratan tersebut mungkin where such terms may not be the same as other
tidak sama dengan transaksi lain yang dilakukan transactions undertaken with unrelated parties.
dengan pihak-pihak yang tidak berelasi.
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Gaya Hidup Masa Kini Pemegang saham / Shareholder Simpanan nasabah, Utang bunga dan
Beban bunga / Deposits from customers,
Interest payables and Interest expense
PT Tritungal Intipermata Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asuransi Central Asia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asuransi Jiwa Central Asia Raya Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asuransi Harta Aman Pratama Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Asia Inti Era Makmur Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indofood CBP Sukses Makmur Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
119
Page 494
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. TRANSAKSI DENGAN PIHAK-PIHAK YANG 35. TRANSACTIONS WITH RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Indomobil Insurance Consultant Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indomobil Sukses Internasional Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indosurance Broker Utama Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indopropertama Nusapersada Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Pelayaran Tahta Bahtera Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Bina Raya Perkasa Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT IMG Sejahtera Langgeng Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Inti Cakrawala Citra Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Salim Ivomas Pratama Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Taliabu Mineralindo Sejahtera Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Aston Inti Makmur Dikendalikan oleh pemegang saham Aset lain-lain, Simpanan nasabah, Utang
yang sama/ Controlled by the same bunga dan Beban bunga/Other assets,
shareholder Deposits from customers, Interest payable
and Interest expense
PT Indolife Pensiontama Pemegang saham / Shareholder Simpanan nasabah, Utang bunga dan
Beban bunga / Deposits from customers,
Interest payables and Interest expense
PT Indomarco Prismatama Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customer ,
shareholder Interest payables and Interest expense
120
Page 495
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. TRANSAKSI DENGAN PIHAK-PIHAK YANG 35. TRANSACTIONS WITH RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Indomobil Multitrada Dikendalikan oleh pemegang saham Kredit yang diberikan, Simpanan
yang sama/ Controlled by the same nasabah, Piutang bunga, Utang bunga,
shareholder Pendapatan bunga dan Beban
bunga / Loans, Deposits from customers,
Interest receivables, Interest payables,
Interest income and Interest expense
PT Indomatsumoto Press & Dies Dikendalikan oleh pemegang saham Kredit yang diberikan, Simpanan
Industri yang sama/ Controlled by the same nasabah, Piutang bunga, Utang bunga,
shareholder Pendapatan bunga dan Beban
bunga / Loans, Deposits from customers,
Interest receivables, Interest payables,
Interest income and Interest expense
PT Indokemika Jayatama Dikendalikan oleh pemegang saham Kredit yang diberikan, Simpanan
yang sama/ Controlled by the same nasabah, Piutang bunga, Utang bunga,
shareholder Pendapatan bunga dan Beban
bunga / Loans, Deposits from customers,
Interest receivables, Interest payables,
Interest income and Interest expense
PT Indomobil Finance Indonesia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indofood Sukses Makmur Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indolakto Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indomobil Jasa Lintas Raya Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Indomobil Prima Energi Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Fast Food Indonesia Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Inti Prima Cemerlang Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT Suzuki Indomobil Sales Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PT London Sumatra Indonesia Tbk Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
PP Indomarco Adi Prima Dikendalikan oleh pemegang saham Simpanan nasabah, Utang bunga dan
yang sama/ Controlled by the same Beban bunga / Deposits from customers,
shareholder Interest payables and Interest expense
121
Page 496
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. TRANSAKSI DENGAN PIHAK-PIHAK YANG 35. TRANSACTIONS WITH RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak Berelasi/ Sifat dari hubungan/ Sifat dari Transaksi/
Related parties Nature of relationship Nature of Transaction
PT Kreta Indo Artha Dikendalikan oleh pemegang saham Tagihan dan liabilitas derivatif,
yang sama/ Controlled by the same Simpanan nasabah, Utang bunga dan
shareholder Beban bunga / Derivatives receivable
and payable, Interest payable and
Interest expense
Dewan Komisaris dan Direksi / Pengurus / Management Kredit yang diberikan, Simpanan
Board of Commissioners and Directors nasabah, Piutang bunga, Utang bunga,
Pendapatan bunga dan Beban
Bunga, Beban tenaga kerja / Loans,
Deposits from customers, Interest
receivables, Interest payables, Interest
income and Interest expense, Personnel
expenses
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Aset Assets
Kredit yang diberikan (Catatan 10) 167.656 142.903 Loans (Note 10)
Piutang bunga (Catatan 11) 195 152 Interest receivables (Note 11)
Tagihan derivatif (Catatan 13) 1.356 620 Derivatives receivable (Note 13)
Aset lain-lain (Catatan 16) 3.540 2.239 Other assets (Note 16)
Total aset yang terkait Total assets associated with
dengan pihak berelasi 172.747 145.914 related parties
Persentase terhadap total aset 0,71% 0,71% Percentage to total assets
Liabilitas Liabilities
Liabilitas derivatif (Catatan 13) - 164
Simpanan dari nasabah (Catatan 18) 5.200.509 4.574.564 Deposits from customers (Note 18)
Utang bunga (Catatan 23) 2.821 1.230 Interest payable (Note 23)
Liabilitas lain-lain 5.826 11.263 Other liabilities
Total liabilitas yang terkait Total liabilities associated with
dengan pihak berelasi 5.209.156 4.587.057 related parties
Persentase terhadap total liabilitas 25,01% 27,00% Percentage to total liabilities
Tahun yang berakhir
pada tanggal 31 Desember/
Year ended December 31,
__________________
2023 2022
PENDAPATAN DAN BEBAN INCOME AND EXPENSE
Pendapatan bunga (Catatan 28) 9.592 7.921 Interest income (Note 28)
Beban bunga (Catatan 29) 243.971 185.975 Interest expense (Note 29)
Persentase terhadap jumlah Percentage to total income
pendapatan dan beban and expense
Pendapatan bunga 0,56% 0,68% Interest income
Beban bunga 24,00% 30.30% Interest expense
Kompensasi kepada personel manajemen kunci Compensation of key management personnel
Untuk tahun yang berakhir pada tanggal-tanggal For the year ended December 31, 2023 and 2022
31 Desember 2023 dan 2022 gaji dan kompensasi salaries and other benefits (all included as short-
lainnya (semuanya dalam bentuk imbalan jangka term compensations) of Commissioners and
pendek) yang dibayarkan kepada Komisaris dan Directors of the Bank amounted to Rp27,562 and
Direksi Bank masing-masing sejumlah Rp27.562 Rp21,285, respectively.
dan Rp21.285.
122
Page 497
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. SEGMEN OPERASI 36. OPERATING SEGMENTS
Informasi segmen Bank disajikan berdasarkan jenis Bank’s segment information presented by type of
kegiatan usahanya, yaitu pemasaran dan kredit, business activities, such marketing and loans,
treasuri, dan trade finance. Kegiatan usaha tersebut treasury and trade finance. That segment activities
menjadi dasar pelaporan informasi segmen primer become the basis of primary segment reporting
Bank sebagai berikut: information as follows:
31 Desember/ December 31, 2023
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Pendapatan Income
Pendapatan bunga 1.168.862 547.891 9.852 1.726.605 Interest income
Pendapatan operasional lainnya 3.006 31.983 4.334 39.323 Other operating income
Total pendapatan 1.171.868 579.874 14.186 1.765.928 Total income
Beban Expense
Beban bunga (1.002.121) (14.510) - (1.016.631) Interest expenses
Beban operasional lainnya (106.051) (11.824) (60) (117.935) Other operating expenses
Total beban (1.108.172) (26.334) (60) (1.134.566) Total expense
Pendapatan yang tidak
dapat dialokasikan 19.914 Unallocated income
Beban yang tidak
dapat dialokasikan (383.745) Unallocated expense
Laba sebelum beban pajak 267.531 Income before tax expense
Beban pajak (59.655) Tax expense
Laba bersih tahun berjalan 207.876 Net income for the year
31 Desember/ December 31, 2022
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Pendapatan Income
Pendapatan bunga 676.314 482.776 13.660 1.172.750 Interest income
Pendapatan operasional lainnya 2.225 8.695 2.750 13.670 Other operating income
Total pendapatan 678.539 491.471 16.410 1.186.420 Total income
Beban Expense
Beban bunga (610.636) (3.237) - (613.873) Interest expenses
Beban operasional lainnya (100.316) (306) (56) (100.678) Other operating expenses
Total beban (710.952) (3.543) (56) (714.551) Total expense
Pendapatan yang tidak
dapat dialokasikan 16.563 Unallocated income
Beban yang tidak
dapat dialokasikan (285.579) Unallocated expense
Laba sebelum beban pajak 202.853 Income before tax expense
Beban pajak (45.805) Tax expense
Laba bersih tahun berjalan 157.048 Net income for the year
123
Page 498
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
36. SEGMEN OPERASI (lanjutan) 36. OPERATING SEGMENTS (continued)
Informasi segmen Bank disajikan berdasarkan jenis Bank’s segment information presented by type of
kegiatan usahanya, yaitu pemasaran dan kredit, business activities, such marketing and loans,
treasuri, dan trade finance. Kegiatan usaha tersebut treasury and trade finance. That segment activities
menjadi dasar pelaporan informasi segmen primer become the basis of primary segment reporting
Bank sebagai berikut: (lanjutan) information as follows: (continued)
31 Desember/December 31, 2023
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Aset Assets
Aset segmen 12.382.079 11.517.497 198.332 24.097.908 Segment assets
Aset yang tidak dapat
dialokasikan 286.672 Unallocated assets
Total aset 24.384.580 Total assets
Liabilitas Liabilities
Liabilitas segmen 19.367.371 1.206.765 97.479 20.671.615 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 156.807 Unallocated liabilities
Total liabilitas 20.828.422 Total liabilities
31 Desember/December 31, 2022
Pemasaran dan
Kredit/
Marketing and Treasuri/ Trade
Loans Treasury Finance Total
Aset Assets
Aset segmen 9.536.042 10.429.118 280.085 20.245.245 Segment assets
Aset yang tidak dapat
dialokasikan 307.491 Unallocated assets
Total aset 20.552.736 Total assets
Liabilitas Liabilities
Liabilitas segmen 15.491.730 1.508.951 124.781 17.125.462 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 139.186 Unallocated liabilities
Total liabilitas 17.264.648 Total liabilities
124
Page 499
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. JAMINAN PEMERINTAH TERHADAP LIABILITAS 37. GOVERNMENT GUARANTEE ON PAYMENT OF
PEMBAYARAN BANK UMUM COMMERCIAL BANK’S OBLIGATIONS
Berdasarkan Salinan Peraturan Lembaga Penjamin Based on the Indonesia Deposit Insurance
Simpanan (LPS) No. 1/PLPS/2005 tanggal Corporation (LPS) Regulation No. 1/PLPS/2005
26 September 2005 tentang Program Penjaminan dated September 26, 2005, regarding Deposit
Simpanan yang menyatakan bahwa sejak tanggal Guarantee Program, since September 22, 2005,
22 September 2005. Lembaga Penjamin Simpanan the Indonesian Deposit Insurance Corporation will
menjamin simpanan yang meliputi giro, deposito guarantee bank deposits, time deposits, certificate
berjangka, sertifikat deposito, tabungan, dan atau of deposits, saving deposits, and or other forms of
bentuk lain yang dipersamakan dengan itu yang deposits from other banks. Guaranteed bank
merupakan simpanan yang berasal dari masyarakat balances of each customer are as follows:
termasuk yang berasal dari bank lain. Saldo yang
dijamin untuk setiap nasabah pada satu Bank
adalah:
a. Maksimum sebesar Rp1.000, sejak tanggal a. Maximum of Rp1,000, from September 22,
22 September 2006 sampai dengan 21 Maret 2006 until March 21, 2007.
2007.
b. Maksimum sebesar Rp100, sejak tanggal b. Maximum of Rp 100, from March 22, 2007 until
22 Maret 2007 sampai dengan 12 Oktober October 12, 2008.
2008.
Pada tanggal 13 Oktober 2008, Presiden Republik On October 13, 2008, the President of the Republic
Indonesia menetapkan Peraturan Pemerintah of Indonesia approved Government Regulation
No. 66 Tahun 2008 tentang Besaran Nilai Simpanan No. 66 Year 2008 regarding the amount of
yang dijamin LPS. Berdasarkan peraturan tersebut, guarantee on deposits guaranteed by LPS. Based
nilai simpanan yang dijaminkan untuk setiap on such Regulation, the guaranteed customer’s
nasabah pada satu bank yang semula berdasarkan deposits amount in a bank which previously
Undang-Undang No. 24 Tahun 2004 ditetapkan according to Law No. 24 Year 2004 amounted to
maksimum Rp100, diubah menjadi maksimum Rp100, amended to the maximum amount of
Rp2.000. Rp2,000.
Berdasarkan Undang-Undang Republik Indonesia Based on the Law of the Republic of Indonesia No.
No. 7 Tahun 2009, Peraturan Pemerintah Pengganti 7 year 2009, Government Regulation in Lieu of Law
Undang-Undang tentang LPS telah ditetapkan on LPS has been set into law since January 13,
menjadi Undang-Undang sejak tanggal 13 Januari 2009.
2009.
38. INFORMASI LAINNYA 38. OTHER INFORMATION
a. Manajemen Modal a. Capital Management
Tujuan utama kebijakan manajemen The primary objectives of the Bank’s capital
permodalan Bank adalah untuk memastikan management policy are to ensure
bahwa Bank telah memenuhi persyaratan that the Bank complies with externally imposed
modal yang diwajibkan dan memastikan Bank capital requirements and that the Bank
telah menjaga peringkat kredit yang kuat dan maintains strong credit ratings and healthy
rasio modal yang sehat agar dapat capital ratios in order to support its business and
mendukung bisnis dan memaksimalkan nilai to maximize the shareholders’ shares value.
saham para pemegang saham.
125
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. INFORMASI LAINNYA (lanjutan) 38. OTHER INFORMATION (continued)
a. Manajemen Modal a. Capital Management
Manajemen menggunakan peraturan rasio The management use capital ratio regulation to
permodalan untuk memantau kecukupan modal monitor capital adequacy in accordance with
sesuai dengan standar industri. Pendekatan industry standard. Bank Indonesia's approach for
Bank Indonesia untuk pengukuran modal capital measurement is primarily based on
tersebut terutama didasarkan kepada the monitoring of capital requirement to the
pemantauan kebutuhan modal yang diwajibkan available capital.
terhadap modal yang tersedia.
Bank telah memenuhi semua persyaratan modal The Bank has complied with capital requirement
yang diwajibkan untuk periode yang disajikan. for the periods presented.
Rasio kecukupan modal pada tanggal-tanggal CAR as of December 31, 2023 and 2022
31 Desember 2023 dan 2022 yang dihitung calculated in accordance with Bank
sesuai dengan Peraturan Bank Indonesia adalah Indonesia regulation are as follows:
sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Modal Capital
Modal inti (Tier 1) Core capital (Tier 1)
Modal inti utama (CET-1) 3.471.368 3.219.420 Common equity (CET-1)
Modal inti tambahan (AT-1) - - Additional Tier (AT-1)
Total modal inti (Tier 1) 3.471.368 3.219.420 Total core capital (Tier 1)
Modal pelengkap (Tier 2) 156.650 115.332 Supplementary capital (Tier 2)
Total modal 3.628.018 3.334.752 Total capital
Aset tertimbang menurut
risiko (ATMR): Risk weighted assets (ATMR):
Risiko kredit setelah Credit risk after
memperhitungkan risiko spesifik 13.332.473 10.316.480 taking the specific risk
Risiko pasar 31.420 1.654 Market risk
Risiko operasional 537.024 397.232 Operational risk
Total ATMR untuk risiko kredit, Total ATMR for credit risk, market and
pasar dan operasional 13.900.917 10.715.366 operational
Rasio KPMM Capital Adequacy Ratio
Rasio CET-1 24,97% 30,04% CET-1 Ratio
Rasio Tier 1 24,97% 30,04% Tier 1 Ratio
Rasio Tier 2 1,13% 1,08% Tier 2 Ratio
Rasio Total 26,10% 31,12% Total Ratio
Rasio Minimum CET-1 4,50% 4,50% CET-1 Minimum Ratio
Rasio Minimum Tier 1 6,00% 6,00% Tier 1 Minimum Ratio
Rasio KPMM Minimum Minimum CAR based on
berdasarkan profil risiko 9,00% 9,00% risk profile
b. Rasio Cadangan Kerugian Penurunan Nilai b. Allowance of impairment losses (CKPN) ratio of
(CKPN) aset keuangan terhadap total aset financial assets to total earning assets as of
produktif pada tanggal-tanggal 31 Desember December 31, 2023 and 2022 amounting to
2023 dan 2022 adalah masing-masing sebesar 1.48% and 1.25%, respectively.
1,48% dan 1,25%.
126
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. INFORMASI LAINNYA (lanjutan) 38. OTHER INFORMATION (continued)
c. Rasio aset produktif bermasalah terhadap c. The non performing earning assets ratio to total
jumlah aset produktif pada tanggal-tanggal earning assets as of December 31, 2023 and
31 Desember 2023 dan 2022 masing-masing 2022 amounting to 1.75% and 0.79%,
adalah sebesar 1,75% dan 0,79%. respectively.
d. Rasio kredit terhadap jumlah pendanaan (Loan d. Loan to funding ratio (LFR) as of December 31,
to funding ratio - LFR) pada tanggal-tanggal 2023 and 2022 amounting to 65.60% and
31 Desember 2023 dan 2022 masing-masing 63.06%, respectively.
adalah sebesar 65,60% dan 63,06%.
e. Bank menerima surat dari PT Perusahaan e. The Bank received a letter from
Pengelolaan Aset (Persero) (“PPA”) the PT Perusahaan Pengelolaan Aset (Persero)
No. S.073/PAK-PAKP/1007 tanggal 24 Oktober ("PPA") No. S.073/PAK-PAKP/1007 dated
2007 tentang Pelunasan Kewajiban Debitur October 24, 2007 regarding the repayment
dengan jumlah USD172.599,73 (nilai penuh). obligation of debtor amounting to
Tagihan PPA kepada Bank tersebut terkait USD172,599.73 (full amount). PPA bill to
dengan fasilitas L/C jatuh tempo yang berasal the Bank related to maturity L/C facility derived
dari pengalihan tagihan PT Bank Umum from the transfer of claims PT Bank Umum
Nasional (“BUN”) (Bank Beku Kegiatan Operasi) Nasional ("BUN") (Suspension Bank Operations)
yang dialihkan ke Badan Penyehatan Perbankan were transferred to the Indonesian Bank
Nasional (“BPPN”). Bank telah menanggapi hal Restructuring Agency ("IBRA"). The Bank has
tersebut melalui surat No. BIP/DIR/065/X/07 responded through letter No. BIP/DIR/065/X/07
tanggal 29 Oktober 2007 yang menjelaskan dated October 29, 2007 explaining that the bill
bahwa tagihan tersebut tidak tercatat dalam was not recorded in the books of the Bank and
pembukuan Bank dan Bank tidak memiliki they have no outstanding obligations to BUN. As
tunggakan kewajiban kepada BUN. Sebagai good intention from the Bank, on September 9,
tanda itikad baik, Bank telah melakukan setoran 2008, the Bank has deposited to PPA the amount
kepada PPA sebesar Rp250 pada tanggal of Rp250.
9 September 2008.
Pada tanggal 23 Januari 2013, Panitia Urusan On January 23, 2013, State Receivables
Piutang Negara (PUPN) Cabang DKI melalui Committee (PUPN), DKI Branch, through it’s
suratnya No. PJPN-005/PUPNC.10.03/2013 letter No. PJPN-005/PUPNC.10.03/2013 has
telah mengirimkan penetapan jumlah piutang sent stipulation of state receivables from
negara kepada Bank dimana jumlah piutang the Bank in which the amount of state
Negara yang wajib dilunasi Bank adalah sebesar receivables that should be paid by the Bank
USD189.859,70 (nilai penuh) atau setara amounted to USD189,859.70 (full amount) or
dengan Rp1.632 dengan kurs transaksi sebesar equivalent to Rp1,632 with using transaction rate
Rp9.915,20 per Dolar AS (nilai penuh). Bank Rp9,915.20 per USD (full amount). The Bank
melalui Kantor Hukum Musa Sinambela & through the Law Office Musa Sinambela &
Partners, telah mengirimkan surat No. 010/P/LO- Partners, has sent a letter No. 010/P/LO-
MSP/III/2013 tanggal 6 Maret 2013 kepada MSP/III/2013 dated March 6, 2013 to State
Kantor Pelayanan Kekayaan Negara dan Lelang Assets and Auction Service Office (KPKNL)
(KPKNL) Jakarta untuk meninjau kembali Surat Jakarta to review the decree of PUPN.
Keputusan PUPN tersebut.
127
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. INFORMASI LAINNYA (lanjutan) 38. OTHER INFORMATION (continued)
Pada tanggal 23 Februari 2017, Bank telah In February 23, 2017, Bank received invoice of
menerima tagihan atas piutang tersebut dari the receivables form Ministry of Finance
Kementrian Keuangan sebesar USD189.859,70 amounting USD189,859.70 (full amount). Bank
(nilai penuh). Bank telah melakukan pembayaran had paid the invoice partially, amounting Rp740
atas sebagian tagihan tersebut sebesar Rp740 in March 14, 2017, therefore the remaining bill as
pada tanggal 14 Maret 2017, sehingga sisa of December 31, 2022 is amounted to Rp892
tagihan atas piutang per 31 Desember 2022 (Note 24).
adalah sebesar Rp892 (Catatan 24).
Pada tanggal 19 September 2023, Bank telah In September 19, 2023, Bank received invoice of
menerima tagihan atas piutang tersebut dari the receivables form Ministry of Finance
Kementrian Keuangan sebesar USD134.572,93 amounting USD134,572.93 (full amount).
(nilai penuh). Bank telah melakukan pembayaran The Bank had fully paid the invoice on
atas tagihan tersebut secara penuh pada tanggal September 26, 2023, therefore the remaining bill
26 September 2023, sehingga sisa tagihan atas as of December 31, 2023 is RpNil (Note 24).
piutang per 31 Desember 2023 adalah sebesar
RpNihil (Catatan 24).
39. MANAJEMEN RISIKO 39. RISK MANAGEMENT
Dalam melaksanakan kegiatannya, Bank menyadari In conducting its activities, the Bank realized that
bahwa situasi lingkungan eksternal dan internal the situation of the external and internal environment
perbankan telah mengalami perkembangan yang has been growth which accompanied by increasing
diikuti dengan semakin kompleksnya risiko kegiatan complexity of risk banking activities and demand for
usaha perbankan dan meningkatnya kebutuhan akan Good Corporate Governance. As the Bank's
praktek tata kelola yang sehat (Good Corporate response to these conditions, the Bank has
Governance). Sebagai tanggapan Bank terhadap implemented a risk management policy to ensure
kondisi tersebut, Bank telah menerapkan suatu that the risks that arise in their business activities
kebijakan manajemen risiko yang bertujuan untuk can be identified, measured, managed and reported,
memastikan bahwa risiko-risiko yang timbul dalam which will ultimately provide benefits in improved
kegiatan usahanya dapat diidentifikasi, diukur, trust of shareholders and public, gives a more
dikelola dan dilaporkan, yang pada akhirnya akan accuracy of the performance in the future, including
memberikan manfaat berupa peningkatan the possibility of its loss, and improve
kepercayaan pemegang saham dan masyarakat, methods, decision processes and risk assessments
memberikan gambaran lebih akurat mengenai kinerja by the availability of the latest information, which will
di masa mendatang termasuk kemungkinan kerugian improve the performance and competitiveness of
yang akan terjadi, dan meningkatkan metode dan the Bank.
proses pengambilan keputusan serta penilaian risiko
dengan adanya ketersediaan informasi yang terkini,
yang dengan sendirinya meningkatkan kinerja dan
daya saing Bank.
Pelaksanaan penerapan manajemen risiko Bank The Bank’s risk management implementation refers
mengacu kepada ketentuan sebagaimana diatur to Financial Service Authority (“OJK”) regulation No.
dalam Peraturan Otoritas Jasa Keuangan 18/POJK.03/2016 which implementation is
No.18/POJK.03/2016 yang pelaksanaannya diatur regulated in Circular Letter of OJK No.
dalam Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016, where the implementation has
34/SEOJK.03/2016, dimana pelaksanaannya telah been adapted to the Bank’s complexity of operations
disesuaikan dengan kompleksitas usaha dan bisnis and business. The implementation of risk
Bank. Penerapan manajemen risiko yang mencakup management includes active supervision by the
pengawasan aktif Dewan Komisaris dan Direksi, Boards of Commissioners and Directors, the
kecukupan kebijakan, prosedur dan penetapan limit, adequacy of policies, procedures and limits, the
kecukupan proses identifikasi, pengukuran, adequacy process of the risk identification,
pemantauan dan pengendalian risiko serta sistem measurement, monitoring and control and overall
informasi manajemen risiko dan sistem pengendalian risk management information and internal control
internal yang menyeluruh, telah dituangkan dalam system which set forth in the internal implementation
pedoman pelaksanan internal. guidelines.
128
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Lingkup penerapan manajemen risiko Bank meliputi The scope of Bank’s risk implementation includes
8 (delapan) jenis risiko yakni Risiko Kredit, Risiko 8 (eight) types of risk which consist of Credit Risk,
Pasar, Risiko Operasional, Risiko Likuiditas, Risiko Market Risk, Operational Risk, Liquidity Risk,
Hukum, Risiko Kepatuhan, Risiko Strategik dan Legal Risk, Compliance Risk, Strategic Risk
Risiko Reputasi dimana proses identifikasi, and Reputation Risk, where the process of risk
pengukuran dan monitoring risiko dilakukan oleh identification, measurement and monitoring are
Satuan Kerja Manajemen Risiko yang independen conducted by the Risk Management Unit which
terhadap Unit Kerja Operasional maupun Unit Kerja independent to Operational Unit nor Internal Audit
Audit Intern. Sedangkan tiap-tiap Unit Kerja Unit. While each unit is responsible to manage
bertanggung jawab atas pengelolaan risiko-risiko inherent risk in its activities.
yang melekat dalam aktivitas yang dilakukannya.
Gambaran mengenai tingkat risiko yang dihadapi The level of risk faced by the Bank is obtained from
Bank diperoleh dari proses penilaian profil risiko, the risk profile assessment process, which includes
yang mencakup penilaian terhadap risiko inheren an assessment of the inherent risks and assessment
dan penilaian terhadap kualitas penerapan of the quality of risk management in each type of
manajemen risiko pada tiap-tiap jenis risiko, dimana risk, which implementation assessment has been
pelaksanaan penilaian telah mengikuti standar yang following the applicable standard.
berlaku.
Satuan Kerja Manajemen Risiko (SKMR) Bank The Bank’s risk management unit (SKMR) is work
bekerja secara independen dari unit bisnis dan audit independently from business units and internal
internal. SKMR bertugas untuk menunjang audit. SKMR is responsible to support
pengelolaan risiko yang lebih menyeluruh, terpadu, comprehensive risk management, integrated,
terukur dan terkendali. Tugas dan tanggung jawab measurable and controllable. SKMR responsibilities
SKMR mencakup: include:
a. Menyusun dan menyampaikan laporan profil a. Prepare and submit quarterly risk profile report to
risiko secara triwulan kepada Otoritas Jasa the Financial Services Authority (OJK).
Keuangan (OJK).
b. Menelaah risiko dan memberikan pendapat b. Assesing the risk and give opinion to all inherent
terhadap seluruh jenis risiko yang melekat risk before a transaction is decided or
sebelum suatu transaksi diputuskan atau implemented including Credit Risk, Market Risk,
dilaksanakan yang meliputi Risiko Kredit, Risiko Liquidity Risk, Operational Risk, Legal Risk,
Pasar, Risiko Likuiditas, Risiko Operasional, Strategic Risk, Compliance Risk and Reputation
Risiko Hukum, Risiko Strategik, Risiko Risk.
Kepatuhan dan Risiko Reputasi.
c. Mempersiapkan konsep dan metode c. Prepare measurement concept and methods
pengukuran terhadap risiko komposit dari against composite risk which coming from all type
seluruh jenis risiko sesuai dengan pedoman of risk in accordance with the Financial Services
standar Otoritas Jasa Keuangan dan kebijakan Authority standard guidelines and the Bank risk
manajemen risiko Bank. management policy.
Secara berkala Bank melakukan penilaian risiko Periodically, the Bank assesses eight type of risk as
terhadap kedelapan risiko sebagaimana telah diatur per the Financial Services Authority regulation. The
oleh Peraturan Otoritas Jasa Keuangan. Penilaian risk assessment is conducted through self
risiko dilakukan melalui proses penilaian sendiri assessment process to produce a risk profile which
(self-assessment) untuk menghasilkan profil risiko consists of inherent risk and the quality of risk
yang terdiri dari risiko inheren dan kualitas management.
penerapan manajemen risiko.
129
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Hasil penilaian profil Bank telah disampaikan The results of the Bank's profile assessment has
kepada Dewan Komisaris, Direksi dan Otoritas Jasa been submitted to the Boards of Commissioners,
Keuangan (OJK) secara triwulanan. Untuk profil Directors and the Financial Services Authority (OJK)
risiko Bank posisi 31 Desember 2023 secara on a quarterly basis. As of December 31, 2023,
keseluruhan dinilai pada peringkat 2 atau “low to the Bank’s overall risk profile is rated at 2 or “low to
moderate” dan stabil bila dibandingkan dengan moderate” and stable when compared to the
posisi tahun sebelumnya. Hasil penilaian profil previous year. These profile assessment results is
tersebut dibahas dalam rapat Komite Manajemen discussed in the Risk Management and Risk
Risiko dan Pemantau Risiko. Monitoring Committee.
Bank secara terus-menerus memonitor risiko kredit The Bank continuously monitors credit risk to ensure
untuk memastikan kemungkinan kerugian dan tidak that the potential loss from default on financial and
dibayarnya kredit yang diberikan dan kontrak contractual agreements is minimized, at individual
keuangan lainnya seminimal mungkin, baik untuk borrowers and at portfolio level.
debitur individual maupun secara keseluruhan.
Struktur kredit yang telah dibakukan menjamin A formalized credit structure ensures prudent
diterapkannya kebijakan dan pelaksanaan lending policies and practices are adopted
pemberian kredit secara hati-hati oleh Bank. throughout the Bank. Specific Lending discretion
Kebijakan pemberian kredit tertentu telah dilakukan have been granted to reflect the experience of
untuk mencerminkan pengalaman dan kredit lending management, who operates within a defined
manajemen, yang bekerja dalam batas tertentu untuk framework which ensures all lending decisions are
memastikan semua keputusan pemberian kredit approved and noted at the appropriate level of
disetujui dan diketahui pada tingkatan tanggung responsibility within the Bank.
jawab yang sesuai di Bank.
Risiko kredit Credit risk
Risiko kredit adalah risiko akibat kegagalan debitur Credit risk is the risk which cause by the failure of
dan/atau pihak lain dalam memenuhi kewajiban the debtor and/or other parties to meet obligations
kepada Bank. Risiko kredit bersumber pada aktivitas to the Bank. Credit risk is based on lending activities,
pemberian kredit, kepemilikan instrumen keuangan, the ownership of financial instruments, transactions
transaksi antar bank, serta kewajiban komitmen dan between banks and commitments and
kontinjensi. Bank telah memiliki kebijakan dan contingencies. The Bank has had written policies
pedoman tertulis terkait dengan kegiatan and guidelines related to lending activities which
perkreditan yang terdiri dari prosedur analisa kredit, consist of credit analysis procedures, credit
persetujuan kredit, pencatatan dan pengawasan approval, credit recording and monitoring and credit
kredit, dan restrukturisasi kredit. Kebijakan dan restructuring. Policies and procedures are reviewed
prosedur tersebut dikaji secara berkala untuk regularly to conform with the size and complexity of
disesuaikan dengan ukuran dan kompleksitas bisnis the Bank's business.
Bank.
130
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The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
Penerapan manajemen risiko kredit dilakukan mulai The implementation of credit risk management is
dari proses inisiasi, analisis, pembuatan keputusan, started from the initiation of the process, analysis,
pencairan, administrasi dan proses penanganan decision making, disbursement, administration and
kredit bermasalah. Tujuannya agar risiko kredit yang handle non-performing credit process. The purpose
timbul dapat terjaga dalam batas toleransi dan is that arising credit risk can be maintained within
kemampuan modal Bank, dan kredit bermasalah the limits of tolerance and ability of the Bank’s
dapat dipulihkan secara optimal sehingga kerugian capital, and non-performing loans can be optimally
yang timbul dapat diminimalkan. Antisipasi terhadap recovered so that the losses can be minimized.
kerugian kredit bermasalah dilakukan pula oleh Anticipating the loss of non-performing loans has
Bank dengan membentuk Cadangan Kerugian also been conducted by the Bank with providing
Penurunan Nilai (CKPN) atas risiko kredit sesuai the allowance for impairment losses (CKPN) on
dengan ketentuan yang berlaku. credit risk in accordance with applicable regulations.
Proses analisa permohonan kredit dilakukan oleh The process of credit application analysis is
unit kerja analis kredit yang independen terhadap conducted by analysist credit unit which
unit bisnis. Sementara untuk memastikan independent from the business unit. Furthermore, to
terpenuhinya ketentuan yang berlaku maka unit ensure the compliance with applicable regulatons,
kerja kepatuhan melakukan analisa uji kepatuhan then Compliance Unit conducts compliance analysis
untuk pemberian fasilitas kredit dengan plafon di before granting the credit facilities with limit credit
atas Rp10.000. above Rp10,000.
Pengambilan keputusan pemberian kredit diatur Lending decision-making is regulated according to
sesuai kewenangan. Selain menatausahakan authority. Furthermore, loan administration unit has
dokumen perkreditan, unit kerja Administrasi Kredit responsibility to control the fulfillment of required
berfungsi melakukan kontrol terhadap pemenuhan covenants before the loan is disbursed and monitor
covenant yang dipersyaratkan sebelum kredit the payment in accordance with the contract
dicairkan dan pengawasan terhadap ketepatan agreement. The loan disbursement is conducted by
pembayaran sesuai dengan kontrak yang operational unit which instructed by loan
diperjanjikan. Proses pencairan dilakukan unit kerja administration unit after all of the requirements being
operasional atas instruksi dari unit kerja Administrasi fulfilled.
Kredit setelah seluruh persyaratan dipenuhi.
Dalam rangka menekan tingkat kerugian apabila In order to reduce the losses if there are non-
terdapat kredit macet, penanganan kredit performing loan, it is handled by independent
bermasalah dilakukan oleh unit kerja khusus yang special unit. The Bank manages credit concentration
independen. Bank mengelola risiko konsentrasi risk by considering the characteristics of each credit
kredit dengan mempertimbangkan karakteristik and control of the loan segment. This segmentation
masing-masing kredit dan penguasaan Bank atas affects the treatment and policy in determining
segmen yang dimasuki. Segmentasi ini the adequacy of collateral, credit structure and
mempengaruhi perlakuan dan kebijakan dalam covenants required.
menetapkan kecukupan agunan, struktur kredit dan
covenant yang dipersyaratkan.
Bank mengukur dan memantau risiko untuk setiap The Bank measures and monitors risks by individual
debitur baik secara individual, sektor ekonomi debtor, economic sector or entire loan portfolio by
maupun seluruh portofolio kredit dengan implementing the four - eyes principle consistently.
menerapkan four - eyes principle secara konsisten. The Bank is also closely monitor the development of
Bank juga dengan ketat memantau perkembangan the Bank’s credit portfolio that allows to take
portofolio kredit Bank yang memungkinkan untuk preventive measures in a timely manner (Early
melakukan tindakan pencegahan secara tepat Warning) in the event of a decline in credit quality.
waktu (Early Warning) apabila terjadi penurunan
kualitas kredit.
131
Page 506
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(i) Analisis eksposur maksimum risiko kredit (i) An analysis of the maximum exposure to credit
mempertimbangkan dampak keuangan agunan risk considering the financial effect of collateral
dan peningkatan kredit lainnya: and other credit enhancement:
Nilai tercatat aset keuangan Bank selain dari The carrying value of the Bank’s financial
kredit merupakan eksposur maksimum assets of other than loans represents
risiko kredit. the maximum exposure to credit risk.
Kredit dijamin dengan agunan (misalnya Loans are secured by collateral (e.g. fixed
aset tetap, piutang, kendaraan, persediaan, assets, receivables, vehicles, inventories,
mesin dan lain-lain). Bank menggunakan machineries and et cetera). The Bank uses
nilai wajar agunan sebagai dasar arus kas the fair value of collateral as a basis of
masa depan untuk tujuan penurunan jika future cash flows for impairment purposes
pinjaman bersifat collateral dependent dan if loans are collateral dependent and
penyitaan agunan kemungkinan besar foreclosure of collateral is most likely to
terjadi berdasarkan perjanjian. occur based on the agreement.
Oleh karena itu, nilai tercatat kredit tidak Hence, the carrying value of loans does not
mewakili eksposur maksimum risiko kredit. represent maximum exposure to credit
risk.
Dalam penerbitan bank garansi yang tidak For non-cancellable bank guarantees
dapat dibatalkan, eksposur maksimum atas issued, the maximum exposure to credit
risiko kredit adalah nilai maksimum yang risk is the maximum amount that the Bank
harus dibayarkan oleh Bank dalam hal would have to pay if the obligations of
timbul kewajiban atas penerbitan bank the non-cancellable bank guarantees of
garansi yang tidak dapat dibatalkan. credit issued are called upon.
Tabel dibawah ini menunjukkan net maximum The table below shows the net maximum exposure
exposure atas risiko kredit untuk efek-efek yang of credit risk on securities purchased under resale
dibeli dengan janji dijual kembali pada tanggal- agreements on December 31, 2023 and 2022.
tanggal 31 Desember 2023 dan 2022.
31 Desember/December 31, 2023
Eksposur
maksimum/
Keterangan Maximum Agunan/ Eksposur neto/
Descriptions/ Exposure Collateral Net exposure
Efek-efek yang dibeli
dengan janji Securities purchased
dijual kembali 2.146.197 2.248.471 - under resale agreements
31 Desember/December 31, 2022
Eksposur
maksimum/
Keterangan Maximum Agunan/ Eksposur neto/
Descriptions/ Exposure Collateral Net exposure
Efek-efek yang dibeli
dengan janji Securities purchased
dijual kembali 863.159 904.626 - under resale agreements
132
Page 507
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(ii) Analisis paparan maksimum eksposur untuk (ii) An analysis of the maximum exposure to credit
risiko kredit berdasarkan lokasi geografis dan risk by geographical location and counterparty
counterparty tanpa memperhitungkan adanya without taking into account of any collateral held
agunan yang dikuasai atau credit enhancement or other credit enhancements:
lainnya:
a) Geografis a) Geographical location
31 Desember/December 31, 2023
Luar/Outside
Jabodetabek Jabodetabek Total
Giro pada Bank Indonesia 1.600.005 - 1.600.005 Current account with Bank Indonesia
Giro pada bank lain 110.028 68.872 178.900 Current accounts with other banks
Penempatan pada
Bank Indonesia dan Placements with Bank Indonesia
bank lain 3.173.162 - 3.173.162 and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 889.316 - 889.316 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif other comprehensive
lain 3.192.175 125.571 3.317.746 income
Nilai wajar melalui Fair value through
laba rugi 162.559 - 162.559 profit or loss
Efek-efek yang dibeli
dengan janji dijual Securities purchased
kembali 2.146.197 - 2.146.197 under resale agreements
Kredit yang diberikan Loans
Modal kerja 4.183.279 3.206.035 7.389.314 Working capital
Investasi 3.401.892 1.457.270 4.859.162 Investment
Konsumsi 294.430 134.280 428.710 Consumer
Tagihan akseptasi 93.108 - 93.108 Acceptance receivables
Tagihan derivatif 1.471 - 1.471 Derivative receivables
Piutang bunga 76.820 12.152 88.972 Interest receivables
Aset lain-lain*) 115.761 - 115.761 Other assets*)
Total 19.440.203 5.004.180 24.444.383 Total
Cadangan kerugian
penurunan nilai (211.323) (124.798) (336.121) Allowance for impairment lossses
Neto 19.228.880 4.879.382 24.108.262 Net
133
Page 508
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(ii) Analisis paparan maksimum eksposur untuk (ii) An analysis of the maximum exposure to credit
risiko kredit berdasarkan lokasi geografis dan risk by geographical location and counterparty
counterparty tanpa memperhitungkan adanya without taking into account of any collateral held
agunan yang dikuasai atau credit enhancement or other credit enhancements: (continued)
lainnya: (lanjutan)
a) Geografis (lanjutan) a) Geographical location (continued)
31 Desember/December 31, 2022
Luar/Outside
Jabodetabek Jabodetabek Total
Giro pada Bank Indonesia 1.391.514 - 1.391.514 Current account with Bank Indonesia
Giro pada bank lain 120.798 56.387 177.185 Current accounts with other banks
Penempatan pada
Bank Indonesia dan Placements with Bank Indonesia
bank lain 2.840.755 - 2.840.755 and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 1.495.117 50.000 1.545.117 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif other comprehensive
lain 3.288.658 124.083 3.412.741 income
Nilai wajar melalui Fair value through
laba rugi 141.342 - 141.342 profit or loss
Efek-efek yang dibeli
dengan janji dijual Securities purchased
kembali 863.159 - 863.159 under resale agreements
Kredit yang diberikan Loans
Modal kerja 4.076.235 2.560.013 6.636.248 Working capital
Investasi 1.634.638 1.115.385 2.750.023 Investment
Konsumsi 228.942 134.032 362.974 Consumer
Tagihan akseptasi 113.418 - 113.418 Acceptance receivables
Tagihan derivatif 783 - 783 Derivative receivables
Piutang bunga 71.434 9.608 81.042 Interest receivables
Aset lain-lain*) 176.244 - 176.244 Other assets*)
Total 16.443.037 4.049.508 20.492.545 Total
Cadangan kerugian
penurunan nilai (139.227) (98.715) (237.942) Allowance for impairment lossses
Neto 16.303.810 3.950.793 20.254.603 Net
*) Aset lain-lain terdiri dari tagihan anjak piutang, setoran *) Other assets consist of factoring receivables, security
jaminan, dan tagihan ATM Bersama deposit, and ATM Bersama receivables
134
Page 509
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
b) Jenis counterparties b) Counterparty types
31 Desember/December 31, 2023
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Giro pada Current account with
Bank Indonesia 1.600.005 - - - - 1.600.005 Bank Indonesia
Giro pada Current accounts
bank lain - neto - 178.893 - - - 178.893 with other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto 1.643.162 1.529.323 - - - 3.172.485 and other banks - net
Efek-efek Marketable securities
Biaya perolehan
diamortisasi - neto - 218.078 80.577 590.636 889.291 Amortized cost - net
Nilai wajar melalui
Penghasilan Fair value through
komprehensif other comprehensive
lain - neto 1.271.261 92.225 433.718 1.520.542 - 3.317.746 income - net
Nilai wajar melalui Fair value through
laba rugi 55.548 - 107.011 - - 162.559 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji under resale
dijual kembali 2.003.073 143.124 - - - 2.146.197 agreements
Kredit yang diberikan Loans
Modal kerja - neto - - 385.849 6.714.139 53.468 7.153.456 Working capital - net
Investasi - neto - 882 - 4.784.188 - 4.785.070 Investment - net
Konsumsi - neto - - - 403.431 - 403.431 Consumer - net
Tagihan akseptasi
- neto - - - 93.020 - 93.020 Acceptance receivables - net
Tagihan derivatif - 92 - 1.379 - 1.471 Derivative receivables
Piutang bunga 19.398 4.798 8.225 53.625 2.926 88.972 Interest receivables
Aset lain-lain*) - - - 115.666 - 115.666 Other assets*)
Neto 6.592.447 2.167.415 1.015.380 14.276.626 56.394 24.108.262 Net
31 Desember/December 31, 2022
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Giro pada Current account with
Bank Indonesia 1.391.514 - - - - 1.391.514 Bank Indonesia
Giro pada Current accounts
bank lain - neto - 177.179 - - - 177.179 with other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto 2.790.755 49.941 - - - 2.840.696 and other banks - net
Efek-efek Marketable securities
Biaya perolehan
diamortisasi - neto - 219.887 361.451 963.687 - 1.545.025 Amortized cost - net
Nilai wajar melalui
Penghasilan Fair value through
komprehensif other comprehensive
lain - neto 2.054.831 15.540 309.496 1.032.874 - 3.412.741 income - net
Nilai wajar melalui Fair value through
laba rugi 39.337 - 102.005 - - 141.342 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji under resale
dijual kembali 622.100 241.059 - - - 863.159 agreements
Kredit yang diberikan Loans
Modal kerja - neto - 23.168 124.795 4.880.775 1.481.519 6.510.257 Working capital - net
Investasi - neto - - - 2.399.259 286.343 2.685.602 Investment - net
Konsumsi - neto - - - - 315.819 315.819 Consumer - net
Tagihan akseptasi
- neto - - - 113.326 - 113.326 Acceptance receivables - net
Tagihan derivatif - 163 - 620 - 783 Derivative receivables
Piutang bunga 21.240 1.461 4.974 47.271 6.096 81.042 Interest receivables
Aset lain-lain*) - - - 176.118 - 176.118 Other assets*)
Neto 6.919.777 728.398 902.721 9.613.930 2.089.777 20.254.603 Net
*) Aset lain-lain terdiri dari setoran jaminan, tagihan ATM *) Other assets consist of security deposit, ATM Bersama
Bersama dan tagihan anjak piutang receivables and factoring receivables
135
Page 510
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
b) Jenis counterparties (lanjutan) b) Counterparty types (continued)
Tabel di bawah ini menunjukan eksposur The table below shows the Bank’s
maksimum risiko kredit Bank untuk maximum credit risk exposure for
komitmen dan garansi. commitments and guarantees.
31 Desember/December 31, 2023
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Bank Garansi - - - 91.511 19.650 111.161 Bank guarantee
Fasilitas
kredit yang Unused loan
belum digunakan - - 419.272 1.260.524 220.437 1.900.233 facilities
Letter of Credit - - - 25.010 - 25.010 Letter of credit
Neto - - 419.272 1.377.045 240.087 2.036.404 Net
31 Desember/December 31, 2022
Pemerintah RI
(termasuk
Bank
Indonesia)/ Lembaga
Government keuangan
of RI bukan bank/ Perusahaan
(including Non-bank lainnya/
Bank financial Other Perseorangan/
Indonesia) Bank institutions companies Individuals Total
Bank garansi - - - 22.498 11.100 33.598 Bank guarantees
Fasilitas
kredit yang Unused loan
belum digunakan - - 16 1.475.531 620.780 2.096.327 facilities
Letter of Credit - - - 21.529 - 21.529 Letter of credit
Neto - - 16 1.519.558 631.880 2.151.454 Net
136
Page 511
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iii) Kualitas kredit pada laporan keuangan (iii) Credit quality of financial assets
Informasi kualitas kredit dari aset keuangan The information on the credit quality of neither
yang belum jatuh tempo dan tidak mengalami past due nor impaired financial assets (gross of
penurunan nilai (jumlah bruto sebelum allowance for impairment losses) as of
dikurangi cadangan kerugian penurunan nilai) December 31, 2023 and 2022 without taking
per tanggal-tanggal 31 Desember 2023 dan into account of any collateral held or other credit
2022 tanpa memperhitungkan adanya agunan enhancements are as follows:
yang dikuasai atau credit enhancement lainnya
adalah sebagai berikut:
31 Desember/December 31, 2023
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Giro pada Current account with
Bank Indonesia 1.600.005 - - - 1.600.005 Bank Indonesia
Current accounts with
Giro pada bank lain 178.900 - - - 178.900 other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 3.173.162 - - - 3.173.162 Indonesia and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 889.316 - - - 889.316 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif lain 3.169.781 10.006 137.959 - 3.317.746 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 162.559 - - - 162.559 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 2.146.197 - - - 2.146.197 agreements
Kredit yang diberikan Loans
Modal kerja - 6.933.888 156.397 299.029 7.389.314 Working capital
Investasi - 4.751.207 26.029 81.926 4.859.162 Investment
Konsumsi - 358.552 400 69.758 428.710 Consumer
Tagihan akseptasi - 93.108 - - 93.108 Accceptance receivables
Tagihan derivatif 92 1.379 - - 1.471 Derivative receivables
Piutang bunga 47.591 36.641 4.619 121 88.972 Interest receivables
Aset lain-lain*) 3.085 112.676 - - 115.761 Other assets*)
Total 11.370.688 12.297.457 325.404 450.834 24.444.383 Total
Cadangan kerugian Allowance for
penurunan nilai (709) (59.327) (43.384) (232.701) (336.121) impairment losses
Neto 11.369.979 12.238.130 282.020 218.133 24.108.262 Net
137
Page 512
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iii) Kualitas kredit pada laporan keuangan (iii) Credit quality of financial assets (continued)
(lanjutan)
31 Desember/December 31, 2022
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Giro pada Current account with
Bank Indonesia 1.391.514 - - - 1.391.514 Bank Indonesia
Current accounts with
Giro pada bank lain 177.185 - - - 177.185 other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 2.840.755 - - - 2.840.755 Indonesia and other banks
Efek-efek Marketable securities
Biaya perolehan diamortisasi 1.545.117 - - - 1.545.117 Amortized cost
Nilai wajar melalui Fair value through
penghasilan komprehensif lain 3.402.277 10.464 - - 3.412.741 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 141.342 - - - 141.342 profit or loss
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 863.159 - - - 863.159 agreements
Kredit yang diberikan Loans
Modal kerja - 6.377.940 97.555 160.753 6.636.248 Working capital
Investasi - 2.539.148 209.467 1.408 2.750.023 Investment
Konsumsi 4.303 275.936 27.935 54.800 362.974 Consumer
Tagihan akseptasi - 113.418 - - 113.418 Accceptance receivables
Tagihan derivatif 163 620 - - 783 Derivative receivables
Piutang bunga 56.665 22.903 1.180 294 81.042 Interest receivables
Aset lain-lain*) 3.730 172.514 - - 176.244 Other assets*)
Total 10.426.210 9.512.943 336.137 217.255 20.492.545 Total
Cadangan kerugian Allowance for
penurunan nilai (158) (34.557) (64.419 ) (138.808) (237.942) impairment losses
Neto 10.426.052 9.478.386 271.718 78.447 20.254.603 Net
*) Aset lain-lain terdiri dari setoran jaminan, tagihan ATM Bersama *) Other assets consist of security deposit, ATM Bersama
dan lain-lain receivables and others
Bank menggunakan pedoman berikut untuk The Bank uses the following guidelines to
menentukan kualitas kredit atas aset determine the credit quality of its financial
keuangannya. assets.
Kredit yang diberikan, piutang bunga dan Loans, interest receivables and acceptance
tagihan akseptasi receivables
a. Tingkat tinggi a. High grade
Ini berkaitan dengan rekening debitur yang This pertains to those accounts from
memiliki riwayat pembayaran yang sangat borrowers with very satisfactory track record
baik dan tidak pernah menunggak of loan repayment and whose accounts did
sepanjang jangka waktu kredit. not turn past due during the term of the loan.
b. Tingkat standar b. Standard grade
Ini berkaitan dengan rekening debitur yang This pertains to those accounts from
memiliki riwayat pembayaran kredit yang borrowers who have an average track
rata-rata baik dan tidak pernah menunggak record of loan repayment and whose
90 hari atau lebih. account did not turn past due for 90 days
and over.
138
Page 513
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iii) Kualitas kredit pada laporan keuangan (iii) Credit quality of financial assets (continued)
(lanjutan)
Efek-efek Marketable securities
Untuk memastikan kualitas dari portofolio In ensuring the quality of its investment
investasinya. Bank mengikuti pemeringkatan portfolio. the Bank follows external risk rating
risiko eksternal dari penyedia yang menerbitkan from published providers such as
peringkat seperti PT Pemeringkat Efek PT Pemeringkat Efek Indonesia (Pefindo) and
Indonesia (Pefindo) dan Fitch Ratings untuk Fitch Ratings for its local corporate marketable
efek-efek korporasi lokal. Tabel di bawah ini securities. The table below presents
menunjukkan peringkat yang ekuivalen dengan the Pefindo and Fitch equivalent grades
Pefindo dan Fitch yang relevan pada masing- relevant to each risk rating class:
masing kelompok peringkat risiko:
Peringkat Risiko
Kualitas Kredit/ Eksternal/
Credit Quality External Risk Rating
Pefindo/Fitch
Tingkat Tinggi/High Grade idAAA to idA-
Tingkat Standar/Standard Grade idBBB+ to idBBB-
Jatuh tempo dan tidak mengalami idCCC
penurunan nilai/Past due but not
impaired
Giro, penempatan pada Bank Indonesia dan Current account and placements with Bank
bank lain Indonesia and other bank
Giro, penempatan pada Bank Indonesia dan Current account and placements with Bank
bank lain diperingkat sebagai tingkat tinggi Indonesia and other banks are rated as high
karena ditempatkan atau ditransaksikan grade since these are deposited in or
dengan bank bereputasi baik yang memiliki transacted with reputable banks which has low
probabilita kebangkrutan rendah. probability of insolvency.
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
diperingkat sebagai tingkat tinggi karena are rated as high grade since these are
ditransaksikan atau dikeluarkan oleh transacted or issued by Government or
Pemerintah atau bank bereputasi baik yang reputable banks which has low probability of
memiliki probabilita kebangkrutan rendah. insolvency.
Aset lain-lain Other assets
Aset lain-lain diperingkat sebagai tingkat Other assets are rated as standard grade
standar karena aset tersebut merupakan aset because these are ordinary assets which can
biasa yang dapat dikembalikan pada saat be refunded upon termination of the contract.
penghentian kontrak.
139
Page 514
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
(iv) Analisis umur kredit yang jatuh tempo tetapi (iv) The aging analysis of past due but not impaired
tidak mengalami penurunan nilai pada tanggal- loans as of December 31, 2023 and 2022:
tanggal 31 Desember 2023 dan 2022:
31 Desember/December 31, 2023
Lebih dari
Kurang dari 3 sampai
1 bulan/ 1 sampai 6 bulan/
Less than 3 bulan/ More than
1 month 1 to 3 month 3 to 6 month Jumlah/Total
Modal kerja 156.136 261 - 156.397 Working capital
Investasi 26.029 - - 26.029 Investment
Konsumsi 400 - - 400 Consumer
Total 182.565 261 - 182.826 Total
31 Desember/December 31, 2022
Lebih dari
Kurang dari 3 sampai
1 bulan/ 1 sampai 6 bulan/
Less than 3 bulan/ More than
1 month 1 to 3 month 3 to 6 month Jumlah/Total
Modal kerja 92.356 5.198 - 97.554 Working capital
Investasi 194.477 7.279 7.711 209.467 Investment
Konsumsi 21.249 6.686 - 27.935 Consumer
Total 308.082 19.163 7.711 334.956 Total
Risiko Pasar Market Risk
Risiko pasar adalah risiko dimana nilai wajar atau Market risk is the risk that the fair value or future
arus kas masa depan dari instrumen keuangan akan cash flows of financial instruments will fluctuate due
berfluktuasi karena perubahan dalam faktor dalam to changes in market factors, such as interest rates
pasar, seperti tingkat suku bunga dan nilai tukar. and foreign exchange rates.
(i) Risiko suku bunga (i) Interest rate risk
Dalam melaksanakan aktivitasnya, Bank In carrying out its activities, the Bank is exposed
terekspos pada risiko suku bunga yang terdapat to interest rate risk that is contained in
pada aktivitas fungsional Bank seperti kegiatan the Bank's functional activities such as treasury
treasuri dan investasi dalam surat berharga dan and investment activities in securities and
pasar uang serta kegiatan pendanaan. money market and financing activities.
Pemantauan terhadap risiko pasar dilakukan The monitoring of market risk are made daily,
secara harian, yang antara lain dilakukan which among other things made the position of
terhadap posisi surat berharga the category of securities available for sale
kategori available-for-sale (AFS) dan trading (AFS) and trading book (TB). Interest rate risk
book (TB). Pengelolaan risiko suku bunga management is done on the position of financial
dilakukan terhadap posisi instrumen keuangan instruments in both the trading book and
baik dalam trading book maupun banking book. the banking book.
140
Page 515
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Risiko suku bunga dalam trading book dihitung Interest rate risk in the trading book are
dengan metode standar sesuai dengan calculated by standard methods in accordance
ketentuan Otoritas Jasa Keuangan (OJK) yang with the provisions of the Financial Services
berlaku, yaitu meliputi risiko spesifik Authority (FSA) in force, which includes
(menggunakan Metode Jatuh Tempo) dan risiko the specific risks (using method Maturity) and
umum. Sedangkan risiko suku bunga dalam general risk. While the interest rate risk in
banking book dikelola dengan melakukan the banking book is managed by analyzing
analisa repricing gap antara Risk Sensitive the repricing gap between Risk Sensitive Assets
Asset (RSA) dan Risk Sensitive Liabilities (RSA) and the Risk Sensitive Liabilities (RSL).
(RSL). Analisa repricing gap dilakukan untuk Repricing gap analysis was conducted to
mengukur dampak dari perubahan suku bunga measure the impact of changes in interest rates
(naik/turun) pada banking book tersebut (up/down) on the banking book to the net
terhadap pendapatan bunga bersih (Net interest income (Net Income Increase or NII).
Increase Income atau NII).
Pengelolaan risiko suku bunga dilengkapi Interest rate risk management is equipped with
dengan analisa sensitivitas secara periodik a sensitivity analysis periodically to measure
untuk mengukur dampak dari perubahan suku the impact of changes in interest rates
bunga yang signifikan. Risiko suku bunga significantly. Interest rate risk in the Banking
dalam Banking Book (IRBB) pada tanggal Book (IRBB) on December 31, 2023 were rated
31 Desember 2023 dinilai sedang yang as reflected in asset gap - cumulative liabilities
tercermin dari gap asset - liabilities kumulatif on time scales of 0 - 3 months is still quite large
pada skala waktu 0 - 3 bulan yang masih cukup tend to rise at the end of the year. IRBB to
besar cenderung meningkat diakhir tahun. mitigate risk, the Bank has consistently applied
Untuk memitigasi risiko IRBB ini, Bank secara the imposition of interest rate (floating rate)
konsisten menerapkan pengenaan suku bunga virtually all funding and lending products, with
mengambang (floating rate) hampir di semua the aim that can be rapidly carried out alignment
produk funding dan lending, dengan tujuan agar when the risk of potentially affect NII IRBB
dapat secara cepat dilakukan penyelarasan significantly. The Bank also continued to
apabila risiko IRBB ini berpotensi improve the structure of revenues from fee-
mempengaruhi NII secara signifikan. Bank juga based income, so that setting interest rates can
terus memperbaiki struktur pendapatan dari fee be more flexible and competitive.
based income, agar pengaturan suku bunga
dapat lebih fleksibel dan memiliki daya saing.
Pengaturan gap repricing ini dilakukan dengan Repricing gap arrangement is done by
peninjauan secara berkala suku bunga kredit periodically reviewing rates of credit and third
dan dana pihak ketiga yang dibahas pada parties fund discussed at each monthly meeting
setiap rapat bulanan Asset Liability Commitee Asset Liability Committee (ALCO). The aim is
(ALCO). Tujuannya adalah agar gap - repricing that gap - this repricing in line with movements
ini searah dengan pergerakan suku bunga in market interest rates. The treasury work unit
pasar. Unit kerja treasuri bertanggungjawab is responsible for managing the repricing gap by
atas pengaturan gap repricing dengan considering the repricing gap limit.
memerhatikan gap limit yang terjadi.
141
Page 516
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Tabel di bawah ini menganalisa eksposur The table below analysis the Bank’s interest rate
tingkat suku bunga Bank untuk aset dan risk exposure on financial assets and liabilities.
liabilitas keuangan. Aset dan liabilitas Bank The Bank’s assets and liabilities are measured
dicatat pada nilai tercatat dan dikategorikan at carrying amount and categorized by the
contractual re-pricing atau tanggal jatuh tempo. earlier of contractual re-pricing or maturity dates.
(lanjutan) (continued)
31 Desember/December 31, 2023
Suku bunga mengambang/Floating interest rate
Lebih dari 3
bulan tetapi
tidak lebih
dari 1 tahun/ Tidak
Tidak lebih More than 3 Lebih dari 1 Suku bunga dikenakan
dari 3 bulan/ months but tahun/ tetap/ bunga/
Less than less than 1 More than 1 Fixed non-interest
3 months year year interest rate bearing Total
Aset Keuangan Financial Assets
Giro pada Current account with
Bank Indonesia 1.600.005 - - - - 1.600.005 Bank Indonesia
Giro pada Current accounts with
bank lain - neto 178.893 - - - - 178.893 other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto - - - 3.172.485 - 3.172.485 and other banks - net
Efek-efek- neto - - - 4.369.596 - 4.369.596 Marketable securities - net
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali - - - 2.146.197 - 2.146.197 agreements
Kredit yang diberikan - neto 3.095.764 2.861.045 6.367.241 17.907 - 12.341.957 Loans - net
Tagihan akseptasi - neto - - - - 93.020 93.020 Acceptance receivables - net
Tagihan derivatif - - - - 1.471 1.471 Derivative receivables
Piutang bunga - - - - 88.972 88.972 Interest receivables
Aset lain-lain*) - - - 105.313 10.353 115.666 Other assets*)
Total aset keuangan 4.874.662 2.861.045 6.367.241 9.811.498 193.816 24.108.262 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - 28.436 28.436 Liabilities due immediately
Simpanan dari nasabah 18.781.463 533.582 864 - - 19.315.909 Deposits from customers
Simpanan dari bank lain 966.590 - - - - 966.590 Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji dibeli under repurchase
kembali - - - 239.027 - 239.027 agreements
Liabilitas akseptasi - - - - 93.108 93.108 Acceptance Payable
Liabilitas derivatif - - - - 90 90 Derivative Payable
Utang bunga - - - - 41.478 41.478 Interest payables
Liabilitas lain-lain**) - - - 34.387 10.712 45.099 Other liabilities**)
Total liabilitas keuangan 19.748.053 533.582 864 273.414 173.824 20.729.737 Total financial liabilities
Interest Gap (14.873.391) 2.327.463 6.366.377 9.538.084 19.992 3.378.525 Interest Gap
*) Aset lain-lain terdiri dari tagihan anjak piutang, setoran jaminan, *) Other assets consist of factoring receivables, security deposit, and
dan tagihan ATM bersama ATM bersama receivables
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih **) Other liabilities consist of lease liabilities, accrued expenses,
harus dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
142
Page 517
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Tabel di bawah ini menganalisa eksposur The table below analysis the Bank’s interest rate
tingkat suku bunga Bank untuk aset dan risk exposure on financial assets and liabilities.
liabilitas keuangan. Aset dan liabilitas Bank The Bank’s assets and liabilities are measured
dicatat pada nilai tercatat dan dikategorikan at carrying amount and categorized by the
contractual re-pricing atau tanggal jatuh tempo. earlier of contractual re-pricing or maturity dates.
(lanjutan) (continued)
31 Desember/December 31, 2022
Suku bunga mengambang/Floating interest rate
Lebih dari 3
bulan tetapi
tidak lebih
dari 1 tahun/ Tidak
Tidak lebih More than 3 Lebih dari 1 Suku bunga dikenakan
dari 3 bulan/ months but tahun/ tetap/ bunga/
Less than less than 1 More than 1 Fixed non-interest
3 months year year interest rate bearing Total
Aset Keuangan Financial Assets
Giro pada Current account with
Bank Indonesia 1.391.514 - - - - 1.391.514 Bank Indonesia
Giro pada Current accounts with
bank lain - neto 177.179 - - - - 177.179 other banks - net
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - neto - - - 2.840.696 - 2.840.696 and other banks - net
Efek-efek- neto - - - 5.099.108 - 5.099.108 Marketable securities - net
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali - - - 863.159 - 863.159 agreements
Kredit yang diberikan - neto 2.229.404 2.798.830 4.479.141 4.303 - 9.511.678 Loans - net
Tagihan akseptasi - neto - - - - 113.326 113.326 Acceptance receivables - net
Tagihan derivatif - - - - 783 783 Derivative receivables
Piutang bunga - - - - 81.042 81.042 Interest receivables
Aset lain-lain*) - - - 166.760 9.358 176.118 Other assets*)
Total aset keuangan 3.798.097 2.798.830 4.479.141 8.974.026 204.509 20.254.603 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - 24.687 24.687 Liabilities due immediately
Simpanan dari nasabah 14.986.164 475.419 1.242 - - 15.462.825 Deposits from customers
Simpanan dari bank lain 601.618 - - - - 601.618 Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji dibeli under repurchase
kembali - - - 905.895 - 905.895 agreements
Liabilitas akseptasi - - - - 113.418 113.418 Acceptance Payable
Liabilitas derivatif - - - - 878 878 Derivative Payable
Utang bunga - - - - 21.027 21.027 Interest payables
Liabilitas lain-lain**) - - - 36.706 19.360 56.066 Other liabilities**)
Total liabilitas keuangan 15.587.782 475.419 1.242 942.601 163.788 17.170.832 Total financial liabilities
Interest Gap (11.789.685) 2.323.411 4.477.899 8.031.425 40.721 3.083.771 Interest Gap
143
Page 518
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(i) Risiko suku bunga (lanjutan) (i) Interest rate risk (continued)
Tabel berikut menunjukkan tingkat sensitivitas The following table demonstrates the sensitivity
terhadap kemungkinan perubahan suku bunga to a reasonable possible change in interest
yang wajar, dengan semua variabel lainnya rates, with all other variables held constant, of
tetap konstan, dalam laporan laba rugi dan the Bank’s statement of profit or loss and other
penghasilan komprehensif lain Bank, sesuai comprehensive income, based on Assets &
Assets & Liabilities Gap Report untuk posisi Liabilities Gap Report for banking book.
tidak diperdagangkan (banking book). The sensitivity of the statement of profit or loss
Sensitivitas laporan laba rugi dan penghasilan and other comprehensive income is the effect
komprehensif lain adalah dampak dari of the assumed changes in interest rates on
perubahan suku bunga yang diasumsikan pada the profit or loss for the period. The total
laporan laba rugi. Total sensitivitas laba rugi sensitivity of profit or loss is based on
didasarkan pada asumsi bahwa terdapat the assumption that there are parallel shifts in
pergeseran paralel dalam kurva hasil (tidak the yield curve (unaudited).
diaudit).
Pengaruh terhadap
laporan laba rugi
dan penghasilan
komprehensif lain/
Perubahan Impact to statement
Persentase/ of profit or loss and
Percentage other comprehensive
Change income
31 Desember 2023 +/-0,12% -/+14.431 December 31, 2023
Pengaruh terhadap
laporan laba rugi
dan penghasilan
komprehensif lain/
Perubahan Impact to statement
Persentase/ of profit or loss and
Percentage other comprehensive
Change income
31 Desember 2022 +/-0,59% -/+47.210 December 31, 2022
144
Page 519
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Pasar (lanjutan) Market Risk (continued)
(ii) Risiko nilai tukar (lanjutan) (ii) Foreign currency risk (continued)
Berikut ini adalah Posisi Devisa Neto Bank Below is the Bank‘s Net Open Position in
dalam nilai absolut sesuai dengan pelaporan ke absolute amounts in accordance with reporting
Otoritas Jasa Keuangan (OJK): to Financial Service Authority:
31 Desember 2023/December 31, 2023
Mata Uang Asing
(dalam jumlah penuh)/
Foreign Currencies Ekuivalen Rupiah/
(in full amount) Rupiah Equivalent
Posisi Devisa
Neto/
Aset/ Liabilitas/ Aset/ Liabilitas/ Net Open
Assets Liabilities Assets Liabilities Position
Keseluruhan (laporan Aggregate (statement of
posisi keuangan dan financial position and
rekening administratif) administrative accounts)
Dolar Amerika Serikat 54.264.140 53.840.038 835.506 828.976 6.530 United States Dollar
Dolar Singapura 268.841 228.087 3.139 2.664 475 Singapore Dollar
Dolar Australia 82.190 27.291 865 287 578 Australian Dollar
Euro Eropa 164.520 141.393 2.803 2.409 394 European Euro
Dolar Hong Kong 222.748 - 439 - 439 Hong Kong Dollar
Yen Jepang 14.988.036 12.301.001 1.632 1.339 293 Japanese Yen
Renminbi 276.810 368.877 600 800 200 Renminbi
Poundsterling Inggris 58.534 2.000 1.148 39 1.109 Great Britain Poundsterling
Total 10.018 Total
Percentage of NOP to
Rasio PDN atas modal December 31, 2023
31 Desember 2023 (Keseluruhan) 0,00% capital (Aggregate)
31 Desember 2022/December 31, 2022
Mata Uang Asing
(dalam jumlah penuh)/
Foreign Currencies Ekuivalen Rupiah/
(in full amount) Rupiah Equivalent
Posisi Devisa
Neto/
Aset/ Liabilitas/ Aset/ Liabilitas/ Net Open
Assets Liabilities Assets Liabilities Position
Keseluruhan (laporan Aggregate (statement of
posisi keuangan dan financial position and
rekening administratif) administrative accounts)
Dolar Amerika Serikat 27.562.419 64.208.937 429.078 999.573 570.495 United States Dollar
Dolar Singapura 349.164 372.860 4.048 4.323 275 Singapore Dollar
Dolar Australia 41.387 20.815 437 220 217 Australian Dollar
Euro Eropa 76.549 78.836 1.269 1.307 38 European Euro
Dolar Hong Kong 195.048 - 390 - 390 Hong Kong Dollar
Yen Jepang 1.983.016 500.000 233 59 174 Hong Kong Dollar
Poundsterling Inggris 29.779 - 560 - 560 Great Britain Poundsterling
Total 572.419 Total
Percentage of NOP to
Rasio PDN atas modal December 31, 2022
31 Desember 2022 (Keseluruhan) 0,00% capital (Aggregate)
Pada tanggal 31 Desember 2023 dan 2022, rasio As of December 31, 2023 and 2022, NOP ratio to
PDN atas modal inti adalah sebesar 0,00 % karena the core capital are 0.00 % since the Bank ha
Bank memiliki penempatan berjangka di Bank placement in Bank Indonesia in foreign currency
Indonesia dalam valuta asing yang dapat menjadi which are eligible to deduct NOP as described in PBI
pengurang PDN sesuai dengan PBI No.22/14/PBI/2020.
No.22/14/PBI/2020.
145
Page 520
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat Liquidity risk is risk due to the inability of the Bank to
ketidakmampuan Bank untuk memenuhi kewajiban fulfill its maturing obligations from cash flow funding
yang jatuh tempo dari sumber pendanaan arus kas and/or high-quality liquid assets that can be pledged
dan/atau dari aset likuid yang berkualitas tinggi yang without disrupting the activities and financial
dapat diagunkan tanpa mengganggu aktivitas dan condition. The implementation of the Bank’s liquidity
kondisi keuangan Bank. Penerapan manajemen risk are minimizing the potential inability of the Bank
risiko likuiditas Bank bertujuan untuk meminimalkan in obtaining cash flow funding.
kemungkinan ketidakmampuan Bank dalam
memperoleh sumber pendanaan arus kas.
Permasalahan likuiditas di Bank pada umumnya Liquidity problems in the Bank in general, relatively
relatif sama dengan permasalahan likuiditas bank- equal to the liquidity problems of other banks in
bank lainnya di Indonesia seperti memiliki risiko Indonesia as having the risk of maturity mismatches
ketidakcocokan saat jatuh tempo (mismatch) dari in terms of liquidity, since most of the liabilities are
sisi likuiditas, karena sebagian besar liabilitas short-term while their assets have a longer tenor.
bersifat jangka pendek sedangkan asetnya memiliki Accordingly, the Bank evaluate and review
tenor yang lebih panjang. Sehubungan dengan itu, the statement of financial position structure as well
Bank telah melakukan evaluasi dan menelaah as taking a conservative stance in analyzing and
struktur laporan posisi keuangan serta mengambil measuring liquidity.
sikap konservatif dalam menganalisis dan mengukur
likuiditas.
Risiko likuiditas dikendalikan dengan menjaga Liquidity risk is controlled by maintaining adequate
kecukupan likuiditas Bank dengan Bank’s liquidity by considering exogenic and
memperhitungkan likuiditas eksogenik dan endogenic liquidity that occur. Preservation of asset
endogenik yang terjadi. Penjagaan kualitas aset quality is made to minimize disruption of cash flow
dilakukan untuk meminimalkan gangguan arus kas and reduction in assets liquidity. Risk control is also
dan kemungkinan penurunan likuiditas aset. done with maturity gap arrangement at every time
Pengendalian risiko juga dilakukan dengan scale which will be reviewed during ALCO
pengaturan gap maturity pada tiap skala waktu, meetings. Preservation of liquidity resources is
yang direviu pada saat rapat ALCO yang dilakukan done with maintaining the Bank’s reputation and
paling kurang satu kali dalam satu bulan. Penjagaan efforts to improve the quality of products and
sumber-sumber likuiditas dilakukan dengan services.
menjaga reputasi Bank serta upaya meningkatan
kualitas produk dan jasa yang diberikan.
146
Page 521
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
Pemantauan terhadap likuiditas Bank dilakukan Monitoring of Bank’s liquidity is done in daily basis
secara harian dan sebagai bagian dari sistem and as part of the management information system
informasi manajemen hasil pemantauan tersebut will be reported to management. Monitoring is
dilaporkan kepada Manajemen. Pemantauan conducted to the composition of financial position,
antara lain dilakukan terhadap komposisi posisi the activity of outflows fund and incoming funds
keuangan Bank, aktivitas dana keluar dan dana which reflected in Real Time Gross Settlement
masuk yang tercermin dari transaksi Real Time (RTGS) and SKN transactions, money market
Gross Settlement (RTGS) dan SKN, aktivitas activities, assets liquidity position both primary and
money market, posisi aset likuid baik primer secondary, as well as liquidity ratios such as
maupun sekunder, serta rasio-rasio likuiditas adequact of liquid assets ratio and Loan to Funding
seperti rasio kecukupan aset likuid dan Loan to Ratio. Monitoring of the fulfillment of statutory
Funding Ratio. Pemantauan terhadap pemenuhan reserves (GWM) both primary and secondary is
Giro Wajib Minimum (GWM) baik primer maupun made to ensure that the Bank is maintain GWM
sekunder dilakukan untuk memastikan bahwa Bank which determine in Bank Indonesia requirement.
selalu menjaga GWM sesuai yang telah ditentukan
oleh Bank Indonesia.
Core fund atau dana yang tidak ditarik oleh nasabah Core fund or funds that are not drawn by
dan dinilai stabil berada dalam besaran yang cukup the customer and rated stable are in fairly good
baik. Bank senantiasa melakukan pemantauan quantities. Bank constantly monitors the position of
terhadap posisi core fund dan berupaya untuk core fund and seeks to continually improve
secara berkesinambungan meningkatkan the percentage of nominal funds held. Core fund
persentase terhadap jumlah dana yang dimiliki. becomes a very important part for the Bank in
Core fund menjadi bagian yang sangat penting bagi intermediary function include the provision of long-
Bank dalam menjalankan fungsi intermediasi term funds. This is because the portfolio of third
berupa penyediaan dana jangka panjang. Hal ini party funds held by the Bank largely with maturity of
mengingat portofolio dana pihak ketiga yang dimiliki up to one (1) year. Efforts taken to raise sinking
Bank sebagian besar berjangka waktu sampai funds among others are created programs that
dengan 1 (satu) tahun. Upaya yang dilakukan untuk require customer funds on hold and can not be
meningkatkan dana mengendap antara lain withdrawn until a specified period in accordance
diciptakan program-program yang mengharuskan with the provisions of the program.
dana nasabah ditahan dan tidak dapat ditarik
sampai jangka waktu tertentu sesuai dengan
ketentuan program.
ALCO berperan sebagai forum manajemen senior ALCO acted as the highest forum of senior
tertinggi untuk memonitor situasi likuiditas Bank. management to monitor the Bank's liquidity
ALCO bertanggung jawab untuk menentukan situation. ALCO is responsible for determining
kebijakan dan strategi yang berkaitan dengan aset the policies and strategies related to the assets and
dan liabilitas Bank sejalan dengan prinsip kehati- liabilities of the Bank in accordance with
hatian manajemen risiko dan peraturan yang the principles of prudence and risk management
berlaku. ALCO menyetujui kerangka limit, regulations. ALCO approved the framework of
mempertimbangkan struktur laporan posisi limits, considering the structure of the statement of
keuangan jangka panjang dari Bank. Pada financial position of the Bank's long term. Basically,
dasarnya, risiko likuiditas dikelola sesuai dengan liquidity risk is managed in accordance with
kerangka kebijakan, pengawasan, dan batasan the policy framework, supervision, and limits ensure
yang memastikan bahwa konsentrasi pendanaan that the funding concentration is minimal, as well as
bersifat minimal, serta sumber dan jangka waktu the resources and time frames have been
pendanaan telah terdiversifikasi. diversified.
147
Page 522
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
(i) Analisa jatuh tempo aset dan liabilitas keuangan (i) The analysis of maturities of financial assets and
pada tanggal-tanggal 31 Desember 2023 dan liabilities as of December 31, 2023 and 2022,
2022 adalah sebagai berikut: are as follows:
31 Desember/December 31, 2023
Lebih dari Lebih dari
3 s/d 12 bulan/ 1 s/d 5 tahun/
Nilai Tercatat/ Lainnya/ < 1 bulan/ 1 s/d 3 bulan/ More than More than > 5 tahun/
Akun Carrying Value Others < 1 month 1 up to 3 month 3 up to 12 month 1 up to 5 years > 5 years Accounts
Aset keuangan Financial assets
Current account with
Giro pada Bank Indonesia 1.600.005 - 1.600.005 - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 178.900 - 178.900 - - - - other banks
Placement with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 3.173.162 - 3.173.162 - - - - other banks
Efek-efek 4.369.621 - 107.011 5.022 998.812 2.586.301 672.475 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 2.146.197 - 2.146.197 - - - - agreements
Kredit yang diberikan 12.677.186 - 1.040.275 2.117.428 2.878.848 2.924.076 3.716.559 Loans
Tagihan akseptasi 93.108 - 47.352 28.416 17.340 - - Acceptance receivables
Tagihan derivatif 1.471 - 1.207 264 - - - Derivative receivables
Piutang bunga 88.972 - 53.953 26.788 8.231 - - Interest receivables
Aset lain-lain*) 115.761 - 44.929 53.183 10.381 7.268 - Other assets*)
24.444.383 - 8.392.991 2.231.101 3.913.612 5.517.645 4.389.034
Cadangan kerugian Allowance of
penurunan nilai (336.121) (336.121) - - - - - impairment losses
Total aset keuangan 24.108.262 (336.121) 8.392.991 2.231.101 3.913.612 5.517.645 4.389.034 Total financial assets
Liabilitas keuangan Financial liabilities
Liabilitas segera 28.436 - 28.436 - - - - Liabilities due immediately
Simpanan nasabah 19.315.909 - 16.250.301 2.531.162 533.582 864 - Deposits from customers
Simpanan dari bank Lain 966.590 - 341.590 470.000 155.000 - - Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji dibeli under repurchase
kembali 239.027 - 239.027 - - - - agreements
Liabilitas akseptasi 93.108 - 47.352 28.416 17.340 - - Acceptance payable
Liabilitas derivatif 90 - 37 53 - - - Derivative payable
Utang bunga 41.478 - 38.289 2.231 958 - - Interest payables
Liabilitas lain-lain**) 45.099 - 10.712 - 8.023 26.364 - Other liabilities**)
Total liabilitas keuangan 20.729.737 - 16.955.744 3.031.862 714.903 27.228 - Total financial liabilities
Perbedaan jatuh tempo 3.378.525 (336.121) (8.562.753) (800.761) 3.198.709 5.490.417 4.389.034 Maturity gap
148
Page 523
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
31 Desember/December 31, 2022
Lebih dari Lebih dari
3 s/d 12 bulan/ 1 s/d 5 tahun/
Nilai Tercatat/ Lainnya/ < 1 bulan/ 1 s/d 3 bulan/ More than More than > 5 tahun/
Akun Carrying Value Others < 1 month 1 up to 3 month 3 up to 12 month 1 up to 5 years > 5 years Accounts
Aset keuangan Financial assets
Current account with
Giro pada Bank Indonesia 1.391.514 - 1.391.514 - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 177.185 - 177.185 - - - - other banks
Placement with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 2.840.755 - 2.840.755 - - - - other banks
Efek-efek 5.099.200 - 102.005 - 670.447 2.275.180 2.051.568 Marketable securities
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali 863.159 - 863.159 - - - - agreements
Kredit yang diberikan 9.749.245 - 374.346 1.823.086 2.839.703 2.334.061 2.378.049 Loans
Tagihan akseptasi 113.418 - 56.728 36.984 19.706 - - Acceptance receivables
Tagihan derivatif 783 - 172 186 425 - - Derivative receivables
Piutang bunga 81.042 - 39.106 26.694 15.242 - - Interest receivables
Aset lain-lain*) 176.244 - 83.658 65.629 21.329 5.628 - Other assets*)
20.492.545 - 5.928.628 1.952.579 3.566.852 4.614.869 4.429.617
Cadangan kerugian Allowance of
penurunan nilai (237.942) (237.942) - - - - - impairment losses
Total aset keuangan 20.254.603 (237.942) 5.928.628 1.952.579 3.566.852 4.614.869 4.429.617 Total financial assets
Liabilitas keuangan Financial liablities
Liabilitas segera 24.687 - 24.687 - - - - Liabilities due immediately
Simpanan nasabah 15.462.825 - 13.333.556 1.652.608 475.419 1.242 - Deposits from customers
Simpanan dari bank Lain 601.618 - 41.618 510.000 50.000 - - Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji dibeli under repurchase
kembali 905.895 - 905.895 - - - - agreements
Liabilitas akseptasi 113.418 - 56.728 36.984 19.706 - - Acceptance payable
Liabilitas derivatif 878 - 220 194 464 - - Derivative payable
Utang bunga 21.027 - 15.662 3.946 1.419 - - Interest payables
Liabilitas lain-lain**) 56.066 - 8.130 - 31.422 16.514 - Other liabilities**)
Total liabilitas keuangan 17.186.414 - 14.386.496 2.203.732 578.430 17.756 - Total financial liabilities
Perbedaan jatuh tempo 3.068.189 (237.942) (8.457.868) (251.153) 2.988.422 4.597.113 4.429.617 Maturity gap
*) Aset lain-lain terdiri dari tagihan anjak piutang, setoran jaminan, tagihan *) Other assets consist of factoring receivables, security deposit,
transaksi ATM Bersama dan lain-lain ATM Bersama receivables and others
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus **) Other liabilities consist of lease liabilities, accrued expenses,
dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
149
Page 524
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
(ii) Analisis instrumen keuangan berdasarkan sisa (ii) Analysis of financial instruments by remaining
jatuh tempo kontraktual: contractual maturities:
Liabilitas keuangan Financial liabilities
Pengelompokan jatuh tempo yang relevan The relevant maturity grouping is based on
berdasarkan sisa periode saat tanggal laporan the remaining period at the financial position
posisi keuangan sampai dengan tanggal jatuh date to the contractual maturity date. When
tempo kontraktual. Ketika counterparty memiliki counterparty has a choice of when the amount
pilihan untuk menentukan waktu pembayaran, is paid, the liability is allocated to the earliest
liabilitas dialokasikan ke periode yang lebih period where the Bank can be required to pay.
cepat dimana Bank dapat diminta untuk
melakukan pembayaran.
Tabel dibawah ini merangkum profil jatuh tempo The table below summarizes the maturity profile
liabilitas keuangan Bank pada tanggal-tanggal of the Bank financial liabilities as of December
31 Desember 2023 dan 2022 berdasarkan pada 31, 2023 and 2022, based on undiscounted
pembayaran kontraktual yang tidak didiskon: contractual payments:
31 Desember/December 31, 2023
Lebih dari Lebih dari
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1 Month to 3 Months to More than
Total On demand 1 Month 3 Months 12 Months 12 Months
Liabilitas Keuangan Financial Liabilities
Liabilitas segera 28.436 - 28.436 - - - Liabilities due immediately
Simpanan nasabah 19.376.078 6.522.017 9.774.323 2.542.942 535.932 864 Deposits from customers
Simpanan dari bank lain 971.386 36.790 306.422 472.378 155.796 - Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji under repurchase
dibeli kembali 242.370 - 242.370 - - - agreements
Liabilitas akseptasi 93.108 - 47.350 28.418 17.340 - Acceptance payable
Liabilitas derivatif 90 - 37 53 - - Derivative payable
Utang bunga 41.478 - 38.289 2.231 958 - Interest payables
Liabilitas lain-lain*) 48.887 - 10.712 - 9.327 28.848 Other liabilities*)
Total liabilitas keuangan 20.801.833 6.558.807 10.447.939 3.046.022 719.353 29.712 Total financial liabilities
31 Desember/December 31, 2022
Lebih dari Lebih dari
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1 Month to 3 Months to More than
Total On demand 1 Month 3 Months 12 Months 12 Months
Liabilitas Keuangan Financial Liabilities
Liabilitas segera 24.687 - 24.687 - - - Liabilities due immediately
Simpanan nasabah 15.502.898 5.894.696 7.470.245 1.659.541 477.174 1.242 Deposits from customers
Simpanan dari bank lain 604.348 30.296 11.440 512.361 50.251 - Deposits from other banks
Efek-efek yang dijual Securities sold
dengan janji under repurchase
dibeli kembali 914.876 - 914.876 - - - agreements
Liabilitas akseptasi 113.418 - 56.723 36.987 19.708 - Acceptance payable
Liabilitas derivatif 878 - 220 194 464 - Derivative payable
Utang bunga 21.027 - 15.662 3.946 1.419 - Interest payables
Liabilitas lain-lain*) 60.459 - 8.436 502 22.008 29.513 Other liabilities*)
Total liabilitas keuangan 17.242.591 5.924.992 8.502.289 2.213.531 571.024 30.755 Total financial liabilities
*) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus *) Other liabilities consist of lease liabilities, accrued expenses,
dibayar, cadangan iuran OJK, dan setoran jaminan allowance for OJK, and guarantee deposits
150
Page 525
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
(ii) Analisis instrumen keuangan berdasarkan sisa (ii) Analysis of financial instruments by remaining
jatuh tempo kontraktual: (lanjutan) contractual maturities: (continued)
Tabel dibawah ini menunjukan sisa jatuh tempo The table below shows the remaining
kontraktual dari komitmen Bank dan kewajiban contractual maturity of the Bank’s commitments
kontinjensi pada tanggal-tanggal 31 Desember and contingent liabilities as of December 31,
2023 dan 2022: (lanjutan) 2023 and 2022: (continued)
31 Desember/December 31, 2023
Lebih dari
Nilai Kurang dari 3 - 12 Lebih dari
Tercatat/ 1 Bulan/ 1-3 Bulan/ 12 Bulan/
Carrying Less than Bulan/ More than More than
Value 1 Month 1 - 3 Months 3 - 12 Months 12 Months
Liabilitas Komitmen dan Commitment Payables and
Kontinjensi Contingencies
Fasilitas kredit yang
belum digunakan 1.900.233 347.591 429.429 839.377 283.836 Unused loan facilities
Bank garansi 111.161 2.000 22.352 85.716 1.093 Bank guarantees
Letter of Credit 25.010 7.330 13.825 3.855 - Letter of Credit
Total 2.036.404 356.921 465.606 928.948 284.929 Total
31 Desember/December 31, 2022
Lebih dari
Nilai Kurang dari 3 - 12 Lebih dari
Tercatat/ 1 Bulan/ 1-3 Bulan/ 12 Bulan/
Carrying Less than Bulan/ More than More than
Value 1 Month 1 - 3 Months 3 - 12 Months 12 Months
Liabilitas Komitmen dan Commitment Payables and
Kontinjensi Contingencies
Fasilitas kredit yang
belum digunakan 2.096.327 362.353 653.759 1.007.657 72.558 Unused loan facilities
Bank garansi 33.598 255 16.093 17.250 - Bank guarantees
Letter of Credit 21.529 6.319 15.210 - - Letter of Credit
Total 2.151.454 368.927 685.062 1.024.907 72.558 Total
151
Page 526
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko lainnya Other risks
Risiko operasional Operational risk
Risiko operasional adalah risiko akibat Operational risk is the risk due to the inadequacy
ketidakcukupan dan/atau tidak berfungsinya proses and/or failed internal processes, human error,
internal, kesalahan manusia, kegagalan sistem system failure and/or the presence of external
dan/atau adanya kejadian-kejadian eksternal yang events affecting the operations of the Bank, which
mempengaruhi operasional Bank, yang dapat can be sourced from Human Resources (HR),
bersumber antara lain pada Sumber Daya Manusia internal processes, systems and infrastructure, as
(SDM), proses internal, sistem dan infrastruktur, well as external events. Operational risk
serta kejadian eksternal. Penerapan manajemen management is required to minimize the possible
risiko operasional diperlukan untuk meminimalkan negative impact of the malfunctioning of internal
kemungkinan dampak negatif dari tidak processes, human error, system failure, and/or
berfungsinya proses internal, kesalahan manusia, the occurrence of an external event that may affect
kegagalan sistem, dan/atau terjadinya kejadian- the operations of the Bank.
kejadian eksternal yang dapat mempengaruhi
operasional Bank.
Pengendalian risiko operasional Bank diawali Operational risk control begins with efforts to raise
dengan upaya menumbuhkan kesadaran akan risiko awareness of the risk (risk awareness) to each
(risk awareness) setiap karyawan, peningkatan employee, increased responsibility (accountability)
tanggung jawab (accountability) setiap pelaksanaan any operational implementation, and improvement
operasional, dan perbaikan infrastruktur karena of infrastructure because the Bank realizes that
Bank menyadari bahwa risiko operasional bersifat operational risk is unique whereas the level of
unik dimana tingkat risiko operasional sangat operational risk is strongly influenced by human
dipengaruhi oleh faktor manusia, proses, sistem dan factors, process, systems and external events.
kejadian eksternal. Semakin tinggi kesadaran dan The higher the awareness and responsibility of each
tanggungjawab setiap karyawan terhadap risiko employee to the risk and the presence of processes
serta terdapatnya proses dan teknologi yang dapat and technologies that can support operational
mendukung aktivitas operasional secara efisien dan activities in an efficient and controlled manner, then
terkontrol, maka Bank akan semakin tidak rentan the Bank will be less vulnerable to effect from
terhadap imbas akibat risiko operasional. operational risk.
Pengendalian human error pada pelaksanaan Human error control in the implementation of Bank’s
operasi Bank dilakukan dengan menerapkan daily operations are carried out by applying the daily
control check list, yang berfungsi membantu control check list, which helps the supervisory
penyelia mengontrol seluruh aktivitas yang control of all activities performed in the work unit
dilakukan di unit kerja yang menjadi tanggung under his responsibility. Fraud prevention is
jawabnya. Pencegahan fraud dilakukan dengan performed by applying the anti-fraud strategy that
menerapkan strategi anti fraud yang melibatkan involves all employees. Implementation of anti-fraud
seluruh karyawan. Pelaksanaan strategi anti-fraud strategy refers to the pre-determined internal
tersebut mengacu kepada Kebijakan dan prosedur policies and procedures. Improving the quality of
internal yang telah ditetapkan. Peningkatan kualitas human resources is done by continuous training.
sumber daya manusia dilakukan dengan pelatihan Operational risk control is also performed with
berkesinambungan. Pengendalian risiko the effective functioning of supervision, review and
operasional juga dilakukan dengan jalan refinement of the Standard Operating Procedure
mengefektifkan fungsi supervisi, review dan (SOP), increased internal control and review of
penyempurnaan Standard Operating Procedure the remuneration of employees on a regular basis.
(SOP), peningkatan pengendalian intern dan
peninjauan remunerasi karyawan secara berkala.
152
Page 527
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko lainnya (lanjutan) Other risks (continued)
Risiko operasional (lanjutan) Operational risk (continued)
Perbaikan infrastruktur khususnya infrastruktur Improvements in infrastructure, especially
Teknologi Sistem Informasi, secara terus menerus Information Technology Systems infrastructure, is
dilakukan, antara lain dengan peningkatan kualitas continuously carried out, among others, by
Data Center (DC) termasuk kualitas Disaster improving the quality of Data Center (DC) including
Recovery Center (DRC), kualitas jaringan the quality of the Disaster Recovery Center (DRC),
komunikasi, serta peningkatan kualitas aplikasi the quality of communication networks, as well as
perangkat lunak pada Core Banking System. improving the quality of software applications on
Perbaikan infrastruktur tersebut dimaksudkan selain the Core Banking System. Such improvement are
untuk meningkatkan kinerja, juga untuk intended to improve performance, as well as to
meningkatkan kualitas built-in control pada proses improve the quality of the built in control on
operasional. Perkembangan produk dan jasa Bank operational processes. The products and services
dengan fitur berbasis teknologi informasi serta development with features based on information
pelaksanaan regulasi perbankan saat ini juga technology and the implementation of the current
menuntut Bank untuk menyediakan infrastruktur banking regulation also requires the Bank to provide
Teknologi Sistem Informasi yang memadai. the adequate infrastructure of Information
Technology System.
Dengan efektifnya proses manajemen risiko With effective process of operational risk
operasional diharapkan kerugian-kerugian yang management, estimated expected losses estimated
dapat diperkirakan (expected loss) dapat terus (expected loss) can be minimized to improve
diminimalkan sehingga dapat meningkatkan operational efficiency and capital allocation, which in
efisiensi operasional dan alokasi modal, yang pada turn can improve the competitiveness of the Bank.
akhirnya dapat memperbaiki daya saing Bank.
Risiko kepatuhan Compliance risk
Risiko kepatuhan adalah risiko akibat tidak Compliance risk is the risk due to non-fulfillment of
terpenuhinya peraturan perundang-undangan dan laws and regulations. Compliance risks comes from
ketentuan yang berlaku. Risiko kepatuhan the legal action which are activity that deviates or
bersumber dari perilaku hukum yakni violate the law or regulations and the organizational
perilaku/aktivitas Bank yang menyimpang atau which are Bank’s behavior/activity that deviates or
melanggar dari ketentuan atau peraturan contrary to generally accepted standards.
perundang-undangan dan perilaku organisasi yakni
perilaku/akitivitas Bank yang menyimpang atau
bertentangan dengan standar yang berlaku secara
umum.
153
Page 528
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko lainnya (lanjutan) Other risks (continued)
Risiko kepatuhan (lanjutan) Compliance risk (continued)
Pengendalian risiko kepatuhan dilakukan untuk Control of compliance risk is done to minimize
meminimalkan kemungkinan dampak negatif dari the possible negative impact of the Bank's activities
aktivitas Bank yang menyimpang dari peraturan which deviate from the laws, rules and generally
perundangan, ketentuan dan standar yang berlaku accepted standards. In order to keep the activity
umum. Untuk menjaga agar setiap aktivitas Bank always comply with the prevailing laws and
senantiasa patuh kepada peraturan perundang- regulations, the Bank have periodically socialize and
undangan dan ketentuan yang berlaku, secara rutin disseminate the rules (through training and a
telah dilakukan sosialisasi dan diseminasi circular memorandum) to all units concerned so
peraturan-peraturan (melalui training dan edaran each regulation can be understood and
memorandum) ke seluruh unit kerja terkait agar implemented correctly. To raise awareness to all
setiap peraturan dapat dipahami dan dilaksanakan employees regarding the importance of adherence
dengan benar. Untuk menumbuhkan kesadaran to the rules and regulations, compliance charter has
seluruh karyawan akan pentingnya kepatuhan been drawn up as a guidance for all parties in
terhadap ketentuan dan peraturan, telah disusun the organization of the Bank and has been formally
compliance charter sebagai guidance bagi semua enacted. To ensure compliance of Bank operations
pihak dalam organisasi Bank dan telah diberlakukan to all rules and surrounding regulations, it must be
secara formal. Untuk memastikan kepatuhan ensured that the entire system and operational
operasional Bank terhadap seluruh ketentuan dan procedures in compliance with the rules and
peraturan yang melingkupinya maka harus regulations applicable authority. Therefore,
dipastikan bahwa seluruh sistem dan prosedur the Bank has conducted Quality Assurance Policy
operasional telah memenuhi ketentuan dan and Procedure is the assessment of internal policies
peraturan otoritas yang berlaku. Oleh karena itu, and procedures carried out by the Compliance Unit
Bank telah melakukan Quality Assurance Policy and to any systems, procedures or internal policies that
Procedure yaitu proses penilaian terhadap will be or have been issued. Thus any potential non-
kebijakan dan prosedur internal yang dilakukan oleh compliance with the Bank of the provision or
Unit Kerja Kepatuhan terhadap setiap sistem, legislation can be detected and corrected.
prosedur atau kebijakan intern yang akan atau Organizational behavior in order not to deviate from
sudah keluarkan. Dengan demikian setiap potensi the standard, has created a code of conduct that
ketidakpatuhan Bank terhadap ketentuan atau contains the ethics that must be implemented by
peraturan perundang-undangan dapat dideteksi dan each employee.
diperbaiki. Agar perilaku organisasi tidak
menyimpang dari standar, telah dibuat code of
conduct yang berisi etika yang harus dilaksanakan
oleh setiap karyawan.
Sedangkan untuk meminimalkan risiko kepatuhan, Meanwhile, to minimize compliance risk, the Bank
Bank senantiasa mematuhi peraturan perundang- continue to comply with laws and regulations and
undangan dan ketentuan lain yang berlaku, seperti other rules, such as the provision Capital Adequacy
Ketentuan Kewajiban Penyediaan Modal Minimum Ratio (CAR), Quality of Earning Assets (KAP),
(KPMM), Kualitas Aset Produktif (KAP), Allowance for Impairment Losses (CKPN) Earning
Pembentukan Cadangan Kerugian Penurunan Nilai Assets, Legal Lending Limit (LLL), and others.
(CKPN) Aset Produktif, Batas Maksimum
Pemberian Kredit (BMPK), dan lainnya.
154
Page 529
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko lainnya (lanjutan) Other risks (continued)
Risiko kepatuhan (lanjutan) Compliance risk (continued)
Dalam rangka menerapkan manajemen risiko In order to implement an effective compliance risk
kepatuhan yang efektif, Bank juga telah melakukan management, the Bank has also identify and
identifikasi dan pengelolaan terhadap faktor-faktor manage the factors that can lead to increased
yang dapat menyebabkan meningkatnya eksposur exposure to compliance risks, such as:
risiko kepatuhan, yaitu:
Penerapan Good Corporate Governance Implementation of Good Corporate
(GCG) secara efektif untuk memastikan dan Governance (GCG) effectively to ensure and
memantau kepatuhan terhadap setiap monitor compliance with all regulations and
peraturan dan persyaratan eksternal maupun requirements of internal and external.
internal.
Melakukan pemantauan terhadap setiap Monitoring of any changes in regulations and
perubahan ketentuan peraturan dan legislation and ensure effective
perundang-undangan yang berlaku serta implementation of the Bank.
memastikan penerapannya pada Bank.
Melakukan identifikasi dan analisa kepatuhan Identification and analysis of compliance
(compliance analysis) atas rencana dan (compliance analysis) for planning and
pengembangan produk dan aktivitas baru development of new products and activities in
guna memastikan kepatuhannya terhadap order to ensure compliance with regulations
peraturan dan perundang-undangan yang and legislation in force.
berlaku.
Melakukan uji kepatuhan atas pemberian Compliance test on granting of loan facility
fasilitas kredit dengan nominal di atas with the nominal amount above Rp10,000.
Rp10.000.
Risiko hukum Legal risk
Risiko hukum adalah risiko yang disebabkan oleh Legal risk is the risk that due to the weakness of
adanya kelemahan aspek yuridis, yang antara lain the judicial aspect, which is partly due to
disebabkan adanya tuntutan hukum, ketiadaan the lawsuits, the absence of supporting legislation,
peraturan perundang-undangan yang mendukung, or weakness of the alliance such as noncompliance
atau kelemahan perikatan seperti tidak dipenuhinya with the terms of validity of the contract and
syarat sahnya kontrak dan pengikatan agunan yang collateral is not perfect. Implementation of the law is
tidak sempurna. Penerapan risiko hukum bertujuan to minimize the risk of the possible negative impact
untuk meminimalkan kemungkinan dampak negatif of the weakness of the juridical, absence of and/or
dari kelemahan yuridis, ketiadaaan dan/atau changes in legislation and litigation.
perubahan peraturan perundang-undangan dan
proses litigasi.
155
Page 530
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko lainnya (lanjutan) Other risks (continued)
Risiko hukum (lanjutan) Legal risk (continued)
Proses pengendalian risiko hukum dilakukan Legal risk control process are performed by periodic
dengan cara melakukan reviu secara berkala review of any contracts and agreements between
terhadap setiap kontrak dan perjanjian antara Bank the Bank and other parties, among others by
dengan pihak lain, antara lain dengan cara conducting a reassessment of the effectiveness of
melakukan penilaian kembali terhadap efektivitas the process to ascertain the validity of enforceability
proses enforceability untuk memastikan validitas of rights in contracts and agreements that have been
hak dalam kontrak dan perjanjian yang telah dibuat. made. Identification of legal risk activity performed
Identifikasi risiko hukum dilakukan pada seluruh on the entire funding, treasury and investment,
aktivitas penghimpunan dan penyediaan dana, operations and services, information systems
treasury dan investasi, operasional dan jasa, technology and human resource management.
teknologi sistem informasi dan pengelolaan Every event that could potentially pose legal risks,
sumberdaya manusia. Setiap kejadian yang administered and administered, in addition to
berpotensi menimbulkan risiko hukum, assessing the level of legal risk faced by the Bank,
ditatausahakan dan diadministrasikan, selain untuk as well as lessons on each case and to anticipate
menilai tingkat risiko hukum yang dihadapi Bank, possible claims or litigation.
juga sebagai pembelajaran atas tiap kasus yang
terjadi dan untuk mengantisipasi kemungkinan
adanya tuntutan atau litigasi.
Untuk meminimalkan risiko hukum, Bank selalu To minimize legal risks, the Bank constantly
melakukan pemantauan terhadap potensi monitors the potential for litigation/lawsuit to
munculnya litigasi/tuntutan hukum kepada Bank. the Bank. In any event, good credit, and treasury
Dalam setiap aktivitas, baik perkreditan, operasional operations, the Bank also always pay attention to
maupun tresuri, Bank juga selalu memperhatikan the completeness of the legal aspects, especially
kelengkapan aspek hukum terutama yang berkaitan with regard to the activities of the engagement
dengan aktivitas perikatan perjanjian dengan agreement with the customer/debtor and
nasabah/debitur dan kelengkapan dokumen completeness of legal documents.
legalitas.
Sementara itu untuk menangani persoalan dan Furthermore, to solve the problems and legal cases,
kasus hukum Bank telah menunjuk konsultan Bank has appointed a legal consultant.
bidang hukum.
Terkait dengan penerapan manajemen risiko Related with the implementation of legal risk
hukum, satuan kerja manajemen risiko juga management, risk management work unit also
melakukan kajian-kajian terkait dengan aktivitas conducts studies related to the Bank's activities that
Bank yang dapat meningkatkan eksposur risiko can increase the risk of legal exposure and provide
hukum serta memberikan rekomendasi dalam recommendations to mitigate those risks.
rangka memitigasi risiko tersebut.
Risiko reputasi Reputational risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is the risk due to the reduced level
tingkat kepercayaan pemangku kepentingan of confidence of stakeholders, which comes from
(stakeholder) yang bersumber dari persepsi negatif the negative perception of the Bank. Negative
terhadap Bank. Persepsi negatif terhadap Bank perception of the Bank can be caused by events that
dapat ditimbulkan oleh kejadian-kejadian yang lowers the reputation as customer complaints on
menurunkan reputasi seperti keluhan nasabah atas the products and services provided, weaknesses in
produk dan jasa yang diberikan, kelemahan pada governance and culture of the Bank as well as
tatakelola dan budaya Bank serta praktek bisnis business practices that deviate from the standard.
yang menyimpang dari standar.
156
Page 531
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko lainnya (lanjutan) Other risks (continued)
Risiko reputasi (lanjutan) Reputational risk (continued)
Pelaksanaan manajemen risiko reputasi dilakukan The implementation of reputation risk management
dengan upaya mencegah/meminimalkan terjadinya is taken with the effort to prevent/ minimize
kejadian-kejadian yang dapat menurunkan reputasi the occurrence of events that can lower
Bank antar lain melalui pelaksanaan program the reputation of the Bank among others through
Corporate Social Resposibility (CSR), melakukan the implementation of Corporate Social resposibility
komunikasi secara rutin dengan pemangku (CSR), to communicate regularly with stakeholders,
kepentingan, penjagaan kualitas produk dan maintain the quality of products and services,
layanan, penjagaan etika bisnis dalam pelaksanaan maintain business ethics in transactions with
transaksi baik dengan nasabah maupun transaksi di customers as well as money market transactions.
pasar uang. Setiap terjadi keluhan nasabah, Bank Each customer complaints occur, the Bank seeks to
berupaya menanggapi dan menindaklajuti secara respond and to follow up quickly. In order to maintain
cepat. Dalam rangka menjaga reputasi, Bank juga the reputation, the Bank also intends to keep
berupaya untuk menjaga transparansi produk dan the transparency of products and services with
jasa dengan pemberian informasi secara benar the provision of correct information about
tentang manfaat dan risiko produk dan jasa yang the benefits and risks of products and services
ditawarkan kepada masyarakat. offered to the public.
Sebagai perusahaan terbuka, risiko reputasi dapat As a public company, reputation risk can affect
mempengaruhi persepsi publik yang berdampak public perceptions that have an impact on
pada pembentukan harga saham Bank di pasar the Bank's share price formation in the capital
modal. market.
Setiap kejadian yang terkait dengan risiko reputasi Events related to reputation risk are recorded and
dicatat dan ditatausahakan sehingga dapat menjadi administered so that it can be a lesson for the future
pelajaran dimasa datang dan untuk and projecting potential losses that may arise and
memproyeksikan potensi kerugian yang mungkin the preventive measures that should be taken.
timbul dan langkah-langkah pencegahan yang harus
dilakukan.
Risiko strategis Strategic risk
Risiko strategik adalah risiko akibat ketidaktepatan Strategic risk is the risk due to the inaccuracy in
dalam pengambilan keputusan dan/atau the decision and/or implementation of a strategic
pelaksanaan suatu keputusan strategik serta decision and the failure to address the changing
kegagalan dalam mengatasi perubahan lingkungan business environment. Strategic risks comes from
bisnis. Risiko strategik bersumber dari adanya weaknesses and inaccuracies in Bank’s planning
kelemahan dan ketidaktepatan dalam perencanaan strategy, weaknesses in management information
strategi Bank, kelemahan pada sistem informasi systems, vulnerability analysis of internal and
manajemen, kelemahan analisa lingkungan internal external environment, inappropriate implementation
dan eksternal, ketidaktepatan implementasi dan and a failure to anticipate changes in the business
kegagalan dalam mengantisipasi perubahan environment. To handle strategic risk, the Bank
lingkungan bisnis. Untuk mengendalikan risiko prepared Business Plan conservatively considering
strategik, Rencana Bisnis Bank disusun secara the advantages and disadvantages of the Bank as
konservatif dengan mempertimbangkan kelebihan well as the consideration of resources, both financial
dan kelemahan Bank serta mempertimbangkan resources, infrastructure and human resources
kemampuan sumber daya, baik sumber daya owned. To minimize the deviation of
keuangan, infrastruktur dan sumber daya manusia the implementation of the Bank's business plan,
yang dimiliki. Untuk meminimalkan terjadinya communication to all levels of the organization have
penyimpangan pelaksanaan rencana bisnis Bank, been done, both at the time of preparation of
telah dilakukan komunikasi kepada setiap jenjang the plan and the implementation review conducted
organisasi, baik pada saat penyusunan rencana dan regularly each semester.
pada saat review pelaksanaan yang dilakukan
secara rutin tiap semester.
157
Page 532
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
Risiko lainnya (lanjutan) Other risks (continued)
Risiko strategis (lanjutan) Strategic risk (continued)
Pengendalian risiko strategik juga dilakukan dengan Strategic risk management is also done by
pemantauan atas kinerja Bank yang merupakan monitoring the performance of
hasil dari pelaksanaan strategi usaha maupun the Bank as a result of the implementation of
rencana bisnis Bank. Proses pemantauan dilakukan the business strategy and business plan of
secara berkala melalui sistem informasi the Bank. The monitoring process is performed
manajemen, yang secara berkala menyediakan periodically through the management information
laporan dalam rangka pengambilan keputusan oleh system, which regularly provide reports in relation to
manajemen Bank. the decision making by the Bank's management.
40. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 40. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND FAIR VALUE OF FINANCIAL
MONETER DALAM MATA UANG ASING ASSETS AND LIABILITIES
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
Tabel di bawah ini menunjukkan perbandingan per The following table presents the comparison by
kategori atas nilai tercatat dan estimasi nilai wajar category of carrying amounts and estimated fair
dari instrumen keuangan Bank: values of the Bank’s financial instruments:
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Aset Keuangan Financial Assets
Biaya perolehan diamortisasi Amortized cost
Kas 71.563 71.563 99.128 99.128 Cash
Current account with
Giro pada Bank Indonesia 1.600.005 1.600.005 1.391.514 1.391.514 Bank Indonesia
Current account with
Giro pada bank lain - neto 178.893 178.893 177.179 177.179 other banks - net
Penempatan pada
Bank Indonesia Placement with Bank Indonesia
dan bank lain - neto 3.172.485 3.172.485 2.840.696 2.840.696 and other banks - net
Efek-efek - neto 889.291 889.042 1.545.025 1.546.392 Marketable securities - net
Efek-efek yang dibeli
dengan janji Securities purchased under
untuk dijual kembali 2.146.197 2.146.197 863.159 863.159 resale agreements
Kredit yang diberikan - neto 12.341.957 12.341.214 9.511.678 9.510.540 Loans - net
Piutang bunga 88.972 88.972 81.042 81.042 Interest receivables
Tagihan akseptasi - neto 93.020 93.020 113.326 113.326 Acceptance receivables - net
Aset lain-lain*) 115.666 115.666 176.118 176.118 Other assets*)
Nilai wajar melalui penghasilan Fair value through
komprehensif lain other comprehensive income
Efek-efek 3.317.746 3.317.746 3.412.741 3.412.741 Marketable securities
Nilai wajar melalui Fair value through
laba rugi profit or loss
Efek-efek 162.559 162.559 141.342 141.342 Marketable securities
Tagihan derivatif 1.471 1.471 783 783 Derivative receivables
Total aset keuangan 24.179.825 24.178.833 20.353.731 20.353.960 Total financial assets
*) Aset lain-lain terdiri dari tagihan anjak piutang, setoran jaminan dan *) Other assets consist of factoring receivables, security deposit and ATM
tagihan ATM Bersama Bersama receivables
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus **) Other liabilities consist of lease liabilities, accrued expenses and
dibayar dan cadangan iuran OJK allowance for OJK
158
Page 533
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 40. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
(lanjutan) (continued)
Tabel di bawah ini menunjukkan perbandingan per The following table presents the comparison by
kategori atas nilai tercatat dan estimasi nilai wajar category of carrying amounts and estimated fair
dari instrumen keuangan Bank: (lanjutan) values of the Bank’s financial instruments:
(continued)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Liabilitas Keuangan Financial Liabilities
Biaya perolehan diamortisasi Amortized cost
Liabilitas segera 28.436 28.436 24.687 24.687 Liabillities due immediately
Simpanan nasabah 19.315.909 19.315.909 15.462.825 15.462.825 Deposits from customer
Simpanan dari bank lain 966.590 966.590 601.618 601.618 Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
Untuk dibeli kembali 239.027 239.027 905.895 905.895 repurchase agreements
Liabilitas akseptasi 93.108 93.108 113.418 113.418 Acceptance payables
Utang bunga 41.478 41.478 21.027 21.027 Interest payable
Liabilitas lain-lain**) 45.099 45.099 56.066 56.066 Other liabilities**)
Nilai wajar melalui Fair value through
laba rugi profit or loss
Liabilitas derivatif 90 90 878 878 Derivative payables
Total liabilitas keuangan 20.729.737 20.729.737 17.186.414 17.186.414 Total financial liabilities
*) Aset lain-lain terdiri dari tagihan anjak piutang, setoran jaminan dan *) Other assets consist of factoring receivables, security deposit and ATM
tagihan ATM Bersama Bersama receivables
**) Liabilitas lain-lain terdiri dari liabilitas sewa, biaya yang masih harus **) Other liabilities consist of lease liabilities, accrued expenses, allowance
dibayar, cadangan iuran OJK, dan setoran jaminan for OJK, and guarantee deposit
Berikut metode dan asumsi yang digunakan untuk The following methods and assumptions are used to
perkiraan nilai wajar: estimate the fair value:
Nilai wajar aset dan liabilitas keuangan tertentu Fair values of certain financial assets and liabilities
selain efek-efek dan kredit yang diberikan other than marketable securities and loans are
mendekati nilai tercatat karena instrumen keuangan approximately the same with their carrying amounts
tersebut memiliki jangka waktu jatuh tempo yang due to the short-term maturities of these financial
singkat dan/atau suku bunganya sering ditinjau instruments and/or interest rate repriced frequently.
ulang.
Nilai tercatat dari kredit yang diberikan dengan suku The carrying amounts of floating rate loans and
bunga mengambang dan nilai tercatat atas kredit short-term fixed rate loans were the reasonable
jangka pendek dengan suku bunga tetap adalah approximation of its fair values. The estimated fair
perkiraan yang layak atas nilai wajar. Estimasi nilai value of fixed rate loans are based on discounted
wajar dengan suku bunga tetap berdasarkan model cash flow method using current yield curve
diskonto arus kas menggunakan kurva yield terkini appropriate for the remaining term of maturity.
yang tepat sesuai dengan sisa periode jatuh
temponya.
159
Page 534
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 40. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
(lanjutan) (continued)
Berikut metode dan asumsi yang digunakan untuk The following methods and assumptions are used to
perkiraan nilai wajar: (lanjutan) estimate the fair value: (continued)
Nilai wajar dari efek-efek yang dicatat pada nilai The fair value of securities at fair value through profit
wajar melalui laba atau rugi dan dimiliki hingga jatuh or loss and held to maturity securities are based on
tempo dinilai menggunakan harga kuotasi pasar the market prices as based on the fair value
atau sesuai dengan hirarki nilai wajar. hierarchy.
Adalah tidak praktis untuk memperkirakan nilai It is not practical to estimate the fair value of
wajar dari setoran jaminan dikarenakan tidak guarantee deposits since these have no fixed
memiliki jangka waktu pembayaran yang tetap repayment period and these are not expected to be
meskipun tidak diharapkan dapat diselesaikan completed within 12 (twelve) months after reporting
dalam waktu 12 (dua belas) bulan setelah tanggal date.
pelaporan.
Bank menggunakan hirarki berikut untuk The Bank adopts the following hierarchy for
menentukan dan mengungkapkan nilai wajar dari determining and disclosing the fair value of financial
instrumen keuangan: instruments:
(i) Level 1 - harga kuotasian (tanpa penyesuaian) (i) Level 1 - quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas yang active markets for identical assets or liabilities;
identik;
(ii) Level 2 - teknik penilaian di mana tingkat level (ii) Level 2 - valuation techniques for which the
input terendah yang signifikan terhadap lowest level input that is significant to the fair
pengukuran nilai wajar dapat diobservasi baik value measurement is directly or indirectly
secara langsung atau tidak langsung; observable;
(iii) Level 3 - teknik penilaian di mana tingkat level (iii) Level 3 - valuation techniques for which the
input terendah yang signifikan terhadap lowest level input that is significant to the fair
pengukuran nilai wajar tidak dapat diobservasi value measurement is directly or indirectly
baik secara langsung atau tidak langsung. unobservable.
160
Page 535
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 40. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Nilai Wajar atas Aset dan Kewajiban Keuangan Fair Value of Financial Assets and Liabilities
(lanjutan) (continued)
Tabel dibawah ini menyajikan aset dan liabilitas The table below represents the assets and
yang diakui pada nilai wajar berdasarkan hirarki liabilities recognized at fair value based on
yang digunakan Bank untuk menentukan dan the hierarchy used by the Bank to determine and
mengungkapkan nilai wajar dari aset dan liabilitas: disclose the fair value of assets and liabilities:
31 Desember/December 31, 2023
Tingkat 1/ Tingkat 2/ Tingkat 3/
Level 1 Level 2 Level 3 Total
Aset yang diukur sebesar nilai wajar Assets measured at fair value
Efek-efek Marketable securities
Nilai wajar melalui penghasilan Fair value through
komprehensif lain 3.179.787 137.959 - 3.317.746 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 162.559 - - 162.559 profit or loss
Aset yang disajikan sebesar nilai wajar Assets where fair value are disclosed
Efek-efek Marketable securities
Biaya perolehan diamortisasi - neto 889.042 - - 889.042 Amortized cost
Kredit yang diberikan - neto - 12.132.618 208.596 12.341.214 Loans - net
Total 4.231.388 12.270.577 208.596 16.710.561 Total
31 Desember/December 31, 2022
Tingkat 1/ Tingkat 2/ Tingkat 3/
Level 1 Level 2 Level 3 Total
Aset yang diukur sebesar nilai wajar Assets measured at fair value
Efek-efek Marketable securities
Nilai wajar melalui penghasilan Fair value through
komprehensif lain 3.412.741 - - 3.412.741 other comprehensive income
Nilai wajar melalui Fair value through
laba rugi 141.342 - - 141.342 profit or loss
Aset yang disajikan sebesar nilai wajar Assets where fair value are disclosed
Efek-efek Marketable securities
Biaya perolehan diamortisasi - neto 1.546.392 - - 1.546.392 Amortized cost
Kredit yang diberikan - neto - 9.433.546 76.994 9.510.540 Loans - net
Total 5.100.475 9.433.546 76.994 14.611.015 Total
Aset dan Liabilitas Moneter dalam Mata Uang Monetary Assets and Liabilities Denominated in
Asing Foreign Currencies
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Mata uang asing Ekuivalen Rupiah Mata uang asing Ekuivalen Rupiah
(nilai penuh)/ (dalam jutaan)/ (nilai penuh)/ (dalam jutaan)/
Foreign currency Rupiah equivalent Foreign currency Rupiah equivalent
(full amount) (in millions) (full amount) (full amount)
ASET ASSETS
Kas Cash
Dolar Amerika Serikat 174.960 2.694 224.750 3.499 United States Dollar
Dolar Singapura 118.135 1.379 43.162 500 Singapore Dollar
Dolar Australia 5.800 61 4.000 42 Australia Dollar
Dolar Hong Kong 36.000 71 1.000 2 Hong Kong Dollar
Euro Eropa 8.980 153 2.945 49 European Euro
Yen Jepang 2.167.000 236 1.002.000 118 Japanese Yen
Renminbi China 79.000 172 - - Chinese Renminbi
4.766 4.210
161
Page 536
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. NILAI WAJAR ATAS ASET DAN KEWAJIBAN 40. FAIR VALUE OF FINANCIAL ASSETS AND
KEUANGAN DAN ASET DAN LIABILITAS LIABILITIES AND MONETARY ASSETS AND
MONETER DALAM MATA UANG ASING LIABILITIES DENOMINATED IN FOREIGN
(lanjutan) CURRENCIES (continued)
Aset dan Liabilitas Moneter dalam Mata Uang Monetary Assets and Liabilities Denominated in
Asing (lanjutan) Foreign Currencies (continued)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Mata uang asing Ekuivalen Rupiah Mata uang asing Ekuivalen Rupiah
(nilai penuh)/ (dalam jutaan)/ (nilai penuh)/ (dalam jutaan)/
Foreign currency Rupiah equivalent Foreign currency Rupiah equivalent
(full amount) (in millions) (full amount) (full amount)
ASET (lanjutan) ASSETS (continued)
Giro pada Bank Indonesia Current account with Bank Indonesia
Dolar Amerika Serikat 3.404.611 52.421 2.000.000 31.135 United States Dollar
Current account with
Giro pada bank lain other banks
Dolar Amerika Serikat 6.627.626 102.046 7.105.552 110.616 United States Dollar
Dolar Singapura 18.886 221 306.002 3.547 Singapore Dollar
Euro Eropa 155.540 2.650 73.604 1.220 European Euro
Pound Sterling Inggris 8.534 167 29.779 559 Great Britain Pound Sterling
Dolar Australia 76.390 804 37.387 395 Australian Dollar
Dolar Hong Kong 186.748 368 194.048 387 Hong Kong Dollar
Yen Jepang 12.821.036 1.396 981.016 116 Japanese Yen
Renminbi China 197.810 429 - - Chinese Renminbi
108.081 116.840
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain and other banks
Dolar Amerika Serikat 33.014.685 508.327 37.008.880 576.136 United States Dollar
Kredit yang diberikan Loans
Dolar Amerika Serikat 2.249.520 34.636 3.370.553 52.471 United States Dollar
Efek-efek Marketable securities
Dolar Amerika Serikat 6.018.916 92.673 5.701.570 78.621 United States Dollar
Piutang bunga Interest receivables
Dolar Amerika Serikat 92.642 1.245 64.952 1.011 United States Dollar
Tagihan akseptasi Acceptance receivables
Dolar Amerika Serikat 649.171 9.995 360.633 5.614 United States Dollar
Tagihan derivatif Derivative receivables
Dolar Amerika Serikat 95.558 1.471 50.328 783 United States Dollar
Total Aset 813.615 866.821 Total Assets
LIABILITAS LIABILITIES
Simpanan dari nasabah Deposits from customers
Dolar Amerika Serikat 43.937.266 676.503 55.046.329 857.159 United States Dollar
Dolar Singapura 228.013 2.662 372.860 4.323 Singapore Dollar
Euro Eropa 93.086 1.586 78.815 1.307 European Euro
Yen Jepang 12.301.001 1.339 500.000 59 Japanese Yen
Dolar Australia 27.290 287 20.814 220 Australian Dollar
Renminbi China 55.894 78 - - Chinese Renminbi
Poundsterling Inggris 2.000 39 - - Great Britain Poundsterling
682.494 863.068
Utang bunga Interest Payable
Dolar Amerika Serikat 60.145 926 54.162 843 United States Dollar
Dolar Singapura 74 1 - - Singapore Dollar
Euro Eropa 3 - - - European Euro
Liabilitas akseptasi Acceptance payables
Dolar Amerika Serikat 649.171 9.995 360.633 5.614 United States Dollar
Total Liabilitas 693.416 869.225 Total Liabllities
162
Page 537
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. PERJANJIAN-PERJANJIAN SIGNIFIKAN 41. SIGNIFICANT AGREEMENTS
a. Pada tanggal 9 April 2018 yang telah diubah a. On April 9, 2018 which was last amended on
terakhir kali pada tanggal 5 Juni 2018, Bank June 5, 2018, the Bank entered into a
melakukan perjanjian kerja sama dengan cooperation agreement with PT Rintis Sejahtera
PT Rintis Sejahtera (“Rintis”) untuk menyediakan ("Rintis") to provide network Switching services
jasa jaringan Switching yang menghubungkan connecting the system and/or inter bank network
sistem dan/atau jaringan antar bank kelolaannya managed by Rintis so the network facility of ATM
sehingga fasilitas jaringan ATM Prima yang Prima owned by them can be used by Bank’s
dimiliki oleh Rintis dapat digunakan oleh customer. This agreement is valid for 3 (three)
nasabah Bank. Perjanjian ini berlaku selama 3 years until June 3, 2021 with automatic extension
(tiga) tahun hingga 3 Juni 2021 dengan for the next 3 (three) years. The annual fee borne
perpanjangan secara otomatis untuk by the Bank for the agreement is Rp500/year.
3 (tiga) tahun berikutnya di setiap akhir periode.
Biaya tahunan yang ditanggung oleh Bank atas
perjanjian tersebut adalah sebesar Rp500/tahun.
b. Pada tanggal 12 November 2018, Bank b. On November 12, 2018, the Bank entered into a
melakukan perjanjian kerja sama dengan cooperation agreement with PT Rintis Sejahtera
PT Rintis Sejahtera (“Rintis”) tentang (“Rintis”) regarding membership of Rintis
keanggotaan layanan transaksi elektronis Rintis electronic transaction services in the framework
dalam rangka implementasi gerbang of implementing the national payment gate
pembayaran nasional (GPN). Perjanjian ini (GPN). This agreement is valid for 3 (three) years
berlaku selama 3 (tiga) tahun dan dapat and can be extended automatically for the same
diperpanjang secara otomatis dalam periode period. The annual fee borne by the Bank for the
yang sama. Biaya tahunan yang ditanggung oleh agreement is Rp500/year.
Bank atas perjanjian tersebut adalah sebesar
Rp500/tahun.
c. Bank menyewa beberapa bangunan untuk c. The Bank leases certain premises occupied by
digunakan oleh sebagian besar dari cabang, most of its branches, sub-branches and cash
cabang pembantu dan kantor kasnya. Kontrak offices. The lease contracts are for periods
sewa tersebut untuk jangka waktu mulai dari ranging from 1 (one) to 5 (five) years and
1 (satu) sampai 5 (lima) tahun dan dapat renewable at the Bank’s option under certain
diperbaharui berdasarkan opsi Bank dibawah terms and conditions. Various lease contracts
beberapa persyaratan dan kondisi. Berbagai include escalation clauses, most of which bear an
perjanjian sewa termasuk klausa yang sebagian annual rent increase. Annual rental fees range
besar mengenai peningkatan sewa secara from Rp59 - Rp2,013.
tahunan. Biaya sewa tahunan berkisar antara
Rp59 - Rp2.013.
d. Pada tanggal 8 Agustus 2016, Bank d. On August 8, 2016, Bank entered into an
mengadakan perjanjian dengan PT Indomarco agreement with PT Indomarco Prismatama to
Prismatama untuk memberikan pelayanan provide cash pick-up service from Indomaret
pengambilan uang dari toko Indomaret untuk store to deposit the fund in the Bank. This
disetorkan ke Bank. Perjanjian ini berlaku hingga agreement is valid until August 8, 2017 with
8 Agustus 2017 dengan perpanjangan secara automatic extension for the next 1 (one) year at
otomatis untuk 1 (satu) tahun berikutnya di setiap the end of each period. Bank charge cash pick-
akhir periode. Bank menetapkan biaya jasa up service amounting Rp40,000 (full amount) per
pengambilan uang sebesar Rp40.000 (nilai Indomaret store per day.
penuh) per toko Indomaret per hari.
163
Page 538
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
41. PERJANJIAN-PERJANJIAN SIGNIFIKAN 41. SIGNIFICANT AGREEMENTS (continued)
(lanjutan)
e. Pada tanggal 18 Oktober 2017, Bank e. On October 18, 2017, Bank entered into an
mengadakan perjanjian dengan PT Inti agreement with PT Inti Cakrawala Citra as
Cakrawala Citra selaku pemilik merek dagang the trademark owner of “Indogrosir” by providing
“Indogrosir” dengan memberikan fasilitas kredit micro working capital loan facility to qualified
modal kerja usaha mikro kepada mitra binaan partner of Indogrosir with maximum loan period
Indogrosir yang telah memenuhi syarat dengan of 12 (twelve) months. This agreement is valid
jangka waktu kredit maksimum 12 (dua belas) until November 30, 2018 and can be extended
bulan. Perjanjian ini berlaku hingga with the consent from both parties. Banks
30 November 2018 dan dapat diperpanjang provide loans to qualified partner of Indogrosir
dengan persetujuan kedua belah pihak. Bank with a limit ranging from Rp1 - Rp25.
memberikan kredit masing-masing kepada mitra
binaan Indogrosir dengan limit berkisar antara
Rp1 - Rp25.
f. Pada tanggal 31 Mei 2016 yang telah diubah f. On May 31, 2016 which was last amended on
terakhir kali pada tanggal 24 Desember 2021, December 24, 2021, the Bank entered into a
Bank mengadakan kerjasama dengan cooperation agreement with PT Fortress Data
PT Fortress Data Services (FDS) dalam Services (FDS) in implementation of software
implementasi sistem software, termasuk system, including services and daily
pelayanan dan pengelolaan harian atas aplikasi maintenance of the application and financial
dan jasa keuangan sehubungan dengan sistem services related to the software system. This
software tersebut. Perjanjian ini berlaku selama agreement is valid for 5 (five) years from the date
5 (lima) tahun terhitung sejak tanggal berlakunya of agreement and will be automatically extended.
perjanjian dan akan diperpanjang otomatis. The annual service fee charged to the Bank is
Biaya jasa tahunan yang dibebankan ke Bank Rp4,920.
adalah sebesar Rp4.920.
g. Pada tanggal 17 April 2023, Bank mengadakan g. On April 17, 2023, Bank entered into an
perjanjian dengan PT Dana Mandiri Sejahtera agreement with PT Dana Mandiri Sejahtera
(Mitra) untuk menyalurkan kredit modal kerja (Partner) to provide micro working capital and
mikro dan konsumsi kepada calon nasabah yang consumer loan facility to qualified customer of
telah memenuhi syarat dengan jangka waktu the partner with loan period of 25 - 50 weeks.
kredit berkisar antara 25 - 50 minggu. Perjanjian This agreement is valid until May 2, 2024 and can
ini berlaku hingga 2 Mei 2024 dan dapat be extended automatically with the consent from
diperpanjang secara otomatis sepanjang both parties. Banks provide loans to qualified
disetujui kedua belah pihak. Bank memberikan customer of the partner with a limit ranging from
kredit masing-masing kepada calon nasabah Rp2 - Rp25.
mitra dengan limit kredit berkisar antara Rp2 -
Rp25.
h. Pada tanggal 21 November 2023, Bank h. On November 21, 2023, Bank entered into an
mengadakan perjanjian dengan PT Esta Kapital agreement with PT Esta Kapital Fintek (Partner)
Fintek (Mitra) untuk menyalurkan kredit modal to provide micro working capital loan facility
kerja mikro melalui platform aplikasi milik mitra through partner’s application platform to qualified
kepada calon nasabah dalam ekosistem mitra customer of the partner within its ecosystem with
yang telah memenuhi syarat dengan jangka loan period of 40 - 50 weeks. This agreement is
waktu kredit berkisar antara 40 - 50 minggu. valid until 1 year after the signing and can be
Perjanjian ini berlaku hingga 1 tahun sejak extended automatically with the consent from
ditandatangani dan dapat diperpanjang secara both parties. Banks provide loans to qualified
otomatis sepanjang disetujui kedua belah pihak. customer of the partner with a limit maximum of
Bank memberikan kredit masing-masing kepada Rp6.
calon nasabah mitra dengan limit maksimum
Rp6.
164
Page 539
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. STANDAR AKUNTANSI YANG TELAH 42. ACCOUNTING STANDARDS ISSUED BUT NOT
DISAHKAN NAMUN BELUM BERLAKU EFEKTIF YET EFFECTIVE
Berikut ini adalah beberapa standar akuntansi revisi The following are several revised accounting
yang telah disahkan oleh Dewan Standar Akuntansi standards issued by the Indonesian Financial
Keuangan (DSAK) yang dipandang relevan Accounting Standards Board (DSAK) that are
terhadap pelaporan keuangan Bank namun belum considered relevant to the financial reporting of
berlaku efektif untuk laporan keuangan tanggal the Bank but not yet effective for December 31, 2023
31 Desember 2023: financial statements:
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2024
1 Januari 2024
Pilar Standar Akuntansi Keuangan Financial Accounting Standards Pillars
Standar ini memberikan persyaratan dan These standards provides requirements and
pedoman bagi entitas untuk menerapkan guidelines for entities to apply the correct
standar akuntansi keuangan yang benar dalam financial accounting standards in preparing
menyusun laporan keuangan bertujuan umum. general purpose financial statements. There will
Akan ada 4 (empat) standar akuntansi be 4 (four) financial accounting standards that
keuangan yang saat ini diterapkan di Indonesia, are currently applied in Indonesia, namely:
yaitu:
1. Pilar 1 Standar Akuntansi Keuangan 1. Pillar 1 International Financial Accounting
Internasional, Standards,
2. Pilar 2 Standar Akuntansi Keuangan 2. Pillar 2 Indonesian Financial Accounting
Indonesia (PSAK), Standards (PSAK),
3. Pilar 3 Standar Akuntansi Keuangan 3. Pillar 3 Indonesian Financial Accounting
Indonesia untuk Entitas Swasta/Standar Standards for Private Entities/Indonesian
Akuntansi Keuangan Indonesia untuk Financial Accounting Standards for Entities
Entitas Tanpa Akuntabilitas Publik, dan without Public Accountability, and
4. Pilar 4 Standar Akuntansi Keuangan 4. Pillar 4 Indonesian Financial Accounting
Indonesia untuk Entitas Mikro Kecil dan Standards for Micro Small and Medium
Menengah. Entities.
Standar Akuntansi Keuangan Internasional International Financial Accounting Standard
Standar ini merupakan adopsi penuh dari This standard is a full-adoption of International
International Financial Reporting Standards Financial Reporting Standards (“IFRS”) which is
(“IFRS”) yang diterjemahkan kata demi kata dan translated in a word-for-word basis and there is
tidak ada modifikasi dari Standar IFRS, no modifications from IFRS Standards, including
termasuk tanggal efektifnya. Entitas yang the effective date. Entities that meet the
memenuhi persyaratan dapat menerapkan requirements can apply this standard, from the
standar ini, sejak tanggal efektif. effective date.
Nomenklatur Standar Akuntansi Keuangan Financial Accounting Standards Nomenclature
Standar ini ini mengatur penomoran baru untuk This standard regulates the new numbering for
standar akuntansi keuangan yang berlaku di financial accounting standards applicable in
Indonesia yang diterbitkan oleh DSAK IAI. Indonesia issued by DSAK IAI.
165
Page 540
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
42. STANDAR AKUNTANSI YANG TELAH 42. ACCOUNTING STANDARDS ISSUED BUT NOT
DISAHKAN NAMUN BELUM BERLAKU EFEKTIF YET EFFECTIVE (continued)
(lanjutan)
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2024 (continued)
1 Januari 2024 (lanjutan)
Amandemen PSAK No. 73: Liabilitas Sewa Amendment of SFAS No. 73: Lease liability in a
dalam Jual Beli dan Sewa-balik Sale and Leaseback
Amandemen PSAK No. 73 Sewa menetapkan The amendment to SFAS No. 73 Leases
persyaratan yang digunakan penjual-penyewa specifies the requirements that a seller-lessee
dalam mengukur kewajiban sewa yang timbul uses in measuring the lease liability arising in a
dalam transaksi jual beli dan sewa-balik, untuk sale and leaseback transaction, to ensure the
memastikan penjual-penyewa tidak mengakui seller-lessee does not recognise any amount of
jumlah setiap keuntungan atau kerugian yang the gain or loss that relates to the right of use it
terkait dengan hak guna yang dipertahankan. retains.
Amandemen berlaku secara retrospektif untuk The amendment applies retrospectively to
periode pelaporan tahunan yang dimulai pada annual reporting periods beginning on or after
atau setelah 1 Januari 2024. Penerapan dini January 1, 2024. Earlier application is permitted.
diperkenankan. Bank saat ini sedang menilai The Bank is currently assessing the impact of
dampak dari amandemen tersebut untuk the amendment to determine the impact they will
menentukan dampaknya terhadap pelaporan have on the Bank’s financial reporting.
keuangan Bank.
Amandemen PSAK No. 2 dan PSAK No. 60: Amendment of SFAS No. 2 and SFAS No. 60:
Pengaturan Pembiayaan Pemasok Supplier Finance Arrangements
Amandemen PSAK No. 2 dan PSAK No. 60 The amendments to SFAS No. 2 and
mengklarifikasi karakteristik pengaturan SFAS No. 60 clarify the characteristics of
pembiayaan pemasok dan mensyaratkan supplier finance arrangements and require
pengungkapan tambahan atas pengaturan additional disclosure of such arrangements. The
pembiayaan pemasok tersebut. Persyaratan disclosure requirements in the amendments are
pengungkapan dalam amandemen ini intended to assist users of financial statements
dimaksudkan untuk membantu pengguna in understanding the effects of supplier finance
laporan keuangan dalam memahami dampak arrangements on an entity’s liabilities, cash
pengaturan pembiayaan pemasok terhadap flows and exposure to liquidity risk.
liabilitas, arus kas, dan eksposur terhadap risiko
likuiditas suatu entitas.
Amandemen ini akan berlaku efektif untuk The amendments will be effective for annual
periode pelaporan tahunan yang dimulai pada reporting periods beginning on or after January
atau setelah 1 Januari 2024. Penerapan dini 1, 2024. Early adoption is permitted, but will
diperkenankan, namun perlu diungkapkan. need to be disclosed.
Bank sedang mengevaluasi dampak dari standar The Bank is presently evaluating and has not yet
akuntansi tersebut dan belum menentukan determined the effects of these accounting
dampaknya terhadap laporan keuangan Bank. standards on its financial statements.
166
Page 541
The original financial statements included herein are in the
Indonesian language.
PT BANK INA PERDANA TBK PT BANK INA PERDANA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
43. TAMBAHAN INFORMASI ARUS KAS 43. SUPPLEMENTARY CASH FLOW INFORMATION
Perubahan pada liabilitas yang timbul dari aktivitas Changes in liabilities arising from financing activities
pendanaan pada laporan arus kas adalah sebagai in the cash flow statement are as follows:
berikut:
31 Desember
2023/
1 Januari 2023/ Arus kas/ Lain-lain/ December 31,
January 1, 2023 Cash flow Others 2023
Liabilitas sewa 36.706 (24.823) 22.504 34.387 Lease liabilities
31 Desember
2022/
1 Januari 2022/ Arus kas/ Lain-lain/ December 31,
January 1, 2022 Cash flow Others 2022
Liabilitas sewa 43.158 (18.543) 12.091 36.706 Lease liabilities
44. PERISTIWA SETELAH PERIODE PELAPORAN 44. EVENT AFTER THE REPORTING PERIOD
Berdasarkan Rapat Umum Pemegang Saham Based on the General Meeting of Shareholders
tanggal 15 Maret 2024, disetujui pengangkatan dated March 15, 2024, it was approved the
Dewi Kurniawati Prodjohartono sebagai Direktur appointment of Dewi Kurniawati Prodjohartono
Bank. Keputusan pengangkatan ini akan menjadi as Director of the Bank. This appointment
efektif setelah mendapatkan persetujuan dari decision will become effective after obtaining
OJK atas penilaian kemampuan dan kepatutan. approval from OJK related to the result of fit and
proper test.
Pada tanggal 15 Januari 2024, Bank On January 15, 2024, the Bank appointed
mengangkat Thomas Alfa Edison sebagai Ketua Thomas Alfa Edison as the Bank's Internal Audit
Internal Audit Bank. Head.
45. PENYELESAIAN LAPORAN KEUANGAN 45. COMPLETION OF FINANCIAL STATEMENTS
Manajemen Bank bertanggung jawab atas The Management of the Bank is responsible for
penyusunan dan penyajian wajar laporan keuangan the preparation and fair presentation of the financial
sesuai dengan Standar Akuntansi Keuangan di statements in accordance with the Indonesian
Indonesia yang diselesaikan dan disetujui untuk Financial Accounting Standards, which were
diterbitkan oleh Direksi Bank pada tanggal completed and authorized for issue by
30 Maret 2024. the Bank’s Board of Directors on March 30, 2024.
167
Page 542
Gedung Ariobimo Sentral, Mezzanine Floor
Jl. HR Rasuna Said Blok X-2 Kav. 5
Jakarta Selatan 12950
+62 21 252 5678 corp_sec@bankina.co.id www.bankina.co.id
2023
Laporan Tahunan
Annual Report
Names mentioned 277 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Ina
p.3 ×268
unresolved
org
Perdana Tbk
p.4 ×2
unresolved
org
Financial Services Authority
p.4 ×33
unresolved
person
Mezzanine
· Sekretaris Perusahaan
p.5
unresolved
person
Pencegahan Pendanaan Terorisme
· Komisaris
p.7
unresolved
org
Bank Soundness Level
p.7
unresolved
person
Significant Cases
· Komisaris
p.7
unresolved
org
Dasar Hukum Pendirian
· Nama Perusahaan
p.8
unresolved
org
Menteri Kehakiman
p.8
unresolved
person
Notary Winnie Hadiprodjo
p.8 ×2
unresolved
person
Notary Kartini Muljadi
p.8 ×2
unresolved
org
Minister of Justice
p.8
unresolved
org
Menteri Hukum dan HAM
p.8 ×10
unresolved
org
Minister of Law and Human Rights
p.8 ×5
unresolved
org
Minister of Law
p.8 ×4
unresolved
org
Minister of Law Human Rights
p.8
unresolved
org
Menteri Keuangan
p.9
unresolved
org
Minister of Finance
p.9 ×2
unresolved
org
PT Samudra Biru UOB Kay Hian Pte Ltd
p.9
unresolved
org
PT Gaya Hidup Masa Kini
p.9 ×2
unresolved
org
Bank Ina’s
p.12 ×24
unresolved
org
Bank Ina’s Priority
p.13 ×3
unresolved
org
Bank Ina’s RAKB Strategy
p.13 ×3
unresolved
org
Bank Indicators
p.14
unresolved
org
Bank SOPs
p.15
unresolved
org
Bank Ina Tahun
p.16 ×3
unresolved
org
Bank Ina’s RAKB Achievements
p.16
unresolved
org
Bank Ina’s Bank Ina
p.16
unresolved
org
Indonesia Stock Exchange
p.30 ×2
unresolved
org
PT Agung Sedayu Group.
p.32
unresolved
org
Bank Victoria. A
p.32
unresolved
person
Prof. Dr. Organizing Hospitality Roadshow
p.33
unresolved
person
dr. Eka Julianta Wahjoepramono
p.33 ×2
unresolved
org
Bank Satisfaction
p.35
unresolved
org
Bank Communication Award
p.35
unresolved
org
Bank Awards Bank KBMI
p.35
unresolved
org
Bank Category
p.35
unresolved
org
Bank Predikat
p.36
unresolved
org
Bank Company Friday
p.36
unresolved
person
Rachmadiana
p.36
unresolved
person
DR. Rahajeng Widya
p.36 ×2
unresolved
org
Bank KBMI
p.36
unresolved
org
Bank Assets Penyelenggara
p.36
unresolved
org
Indonesian Deposit Insurance Corporation
p.37
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.37
unresolved
org
PT Kustodian Sentral Efek Indonesia Indonesia
p.37
unresolved
org
Departemen Kepatuhan dan APU-PPT
p.44
unresolved
org
Bank Ina’s Board
p.45 ×6
unresolved
—
Penutup
· Closing
p.45 ×2
unresolved
—
menyampaikan apresiasi yang tinggi
· The Board of Commissioners would like to express its highest
p.45
unresolved
org
seluruh jajaran Direksi, manajemen, dan karyawan Bank Ina atas
· appreciation to the entire Board of Directors, management, and
p.45
unresolved
—
dedikasi dan komitmen bersama dalam menjalankan tugas
· employees of Bank Ina for their dedication and commitment
p.45
unresolved
org
Keberhasilan Bank dalam mengimplementasikan strategi yang tepat,
· The Bank’s success in implementing the right strategy, maintaining
p.45
unresolved
—
menjaga integritas, menerapkan praktik tata kelola
· integrity, implementing good corporate governance practices,
p.45
unresolved
org
yakin bahwa dengan semangat yang sama, Bank Ina
· Commissioners is confident that with the same spirit, Bank Ina
p.45
unresolved
—
pemangku kepentingan di masa yang akan datang.
· in the future.
p.45
unresolved
org
Pusat Statistik
p.47
unresolved
org
Bank Indonesia
p.48 ×20
unresolved
org
Bank Indonesia’s
p.48
unresolved
org
Bank Ina’s Business
p.48
unresolved
org
Bank Ina. Salah
p.48
unresolved
org
Bank Ina’s Strategy
p.49
unresolved
org
Bank Ina’s Vision
p.49
unresolved
org
Bank Ina’s Management
p.51
unresolved
org
Bank Ina. Oleh
p.52
unresolved
org
Bank Ina’s Policy
p.52
unresolved
org
Bank Ina’s Commitment
p.53
unresolved
person
Ina
· Direktur Retail
p.53 ×2
unresolved
person
Budijanto Soedarpo
p.53 ×2
unresolved
org
Bank Ina Ina
p.53
unresolved
person
Daniel Budirahayu
· President Director
p.53 ×3
unresolved
—
Vice Bapak Yulius Purnama Junaedi
· Wakil Presiden Direktur
p.53 ×23
unresolved
person
Dewi Kurniawati Prodjohartono
· Direktur
p.54
unresolved
person
Dewi Kurniawati Commercial Banking.
p.54 ×8
unresolved
—
Menutup penyampaian
· In closing the submission of this Report, I, on behalf of the Board
p.54
unresolved
org
Bank Ina, menyampaikan terima kasih dan apresiasi
· of Directors of Bank Ina, would like to express my gratitude
p.54
unresolved
—
atas arahan dan pengawasan yang cermat
· and appreciation to the Board of Commissioners for its careful
p.54
unresolved
org
sehingga menjadi pilar dalam memastikan bahwa Bank Ina
· direction and supervision that serve as pillars in ensuring that
p.54
unresolved
—
menjalankan operasinya dengan integritas dan keberlanjutan.
· Bank Ina conducts its operations with integrity and sustainability.
p.54
unresolved
—
Ucapan terima kasih dan apresiasi juga disampaikan
· Gratitude and appreciation are also extended to all employees
p.54
unresolved
—
segenap karyawan atas dedikasi dan kontribusi
· for their dedication and outstanding contributions to Bank Ina.
p.54
unresolved
org
telah diberikan kepada Bank Ina. Kerja keras dan komitmen
· The hard work and commitment of our employees have formed
p.54
unresolved
org
Bank Ina. Kerja
p.54
unresolved
—
karyawan telah membentuk fondasi kesuksesan Direksi sehari-
· the foundation of the Board’s day-to-day success. In addition,
p.54
unresolved
org
Bank Ina. With
p.54
unresolved
org
memberikan kepercayaannya kepada Bank Ina. Dengan kolaborasi
· continued collaboration and support from all stakeholders, the
p.54
unresolved
—
dukungan yang terus-menerus dari seluruh pemangku
· Board of Directors is confident that Bank Ina will continue to
p.54
unresolved
org
kepentingan, Direksi meyakini Bank Ina akan terus menghadirkan
· deliver reliable banking services so that it can continue to provide
p.54
unresolved
org
Kementerian Keuangan.
p.60
unresolved
org
Ministry of Finance. Since
p.60
unresolved
org
Bank Devisa
p.62
unresolved
org
Bank Indonesia Certificates
p.66
unresolved
org
Bank Ina’s Quick Response Tabina QRIS
p.68
unresolved
org
Bank Ina. Tabina Triple Untung
p.69
unresolved
org
Bank Ina ATM
p.69
unresolved
org
Bank Ina. Gratis Biaya Transaksi IBB
p.69
unresolved
org
Bank Ina. Cashback Transaksi QRIS
p.69
unresolved
org
Bank Ina. Maksimum
p.69
unresolved
org
Bank Ina. Maximum
p.69
unresolved
org
Bank Ina’s Branch Offices. Jasa Layanan Services ATM
p.69
unresolved
org
Bank Ina Giro Customers
p.70
unresolved
org
Bank Ina Marketing
p.70
unresolved
org
Bank Ina Office
p.70
unresolved
org
Bank Ina. Produk
p.71
unresolved
org
Bank Ina. Loan Channeling
p.71
unresolved
—
Previous Work History Diangkat
· Komisaris Utama
p.74 ×8
unresolved
org
Audit Internal Tbk
p.74
unresolved
org
PT Naintex
p.74 ×2
unresolved
org
PT Beegroup Financial Indonesia
p.75 ×2
unresolved
—
Deputy Commissioner Integrated Appointed
· Independent Commissioner
p.75
unresolved
org
PT Multi Valas Utama
p.76 ×2
unresolved
org
PT Bank Dagang Nasional Indonesia
p.76 ×4
unresolved
org
PT Arta Pusara
p.76 ×2
unresolved
org
PT Satria Pakarti Sukses
p.77 ×2
unresolved
org
PT BCA Finance
p.77 ×6
unresolved
org
PT Bank Bali
p.77
unresolved
org
Penyehatan Perbankan Letter
p.77
unresolved
org
Bank Jaya
p.77
unresolved
org
Penyehatan Perbankan Nasional
p.77
unresolved
org
PT Bank Ciputra
p.77 ×2
unresolved
org
PT Bank Tiara Asia
p.77 ×2
unresolved
org
Bank IBM Indonesia
p.77
unresolved
org
PT Bank Bali Management Team
p.77
unresolved
org
Bank Jaya Management Team
p.77
unresolved
org
Bank Restructuring Agency
p.77
unresolved
org
PT Transaksi Artha Gemilang
p.78
unresolved
org
PT Central Asia Financial
p.78 ×2
unresolved
org
PT WYR Solusi Inovasi
p.78 ×2
unresolved
org
PT Sigma Cipta Caraka
p.78 ×2
unresolved
org
PT Bank Haga
p.78 ×2
unresolved
org
PT Transaction Artha Gemilang
p.78
unresolved
org
Bank ICB Bumiputera Tbk
p.79 ×4
unresolved
org
PT Bank BRI Syariah
p.79
unresolved
org
Bank Jasa Shareholder Circular Statement Deed
p.79
unresolved
org
PT Bank BRI Syariah Educational History
p.79
unresolved
org
Bank Jasa Arta
p.79
unresolved
org
QNB Indonesia Tbk
p.80 ×4
unresolved
org
PT Bank Commonwealth
p.80 ×3
unresolved
org
PT Bank UOB Indonesia Penilaian Kemampuan
p.80
unresolved
org
Shanghai Banking Corporation
p.80 ×2
unresolved
org
PT Bank UOB Indonesia He
p.80
unresolved
org
PT Dana Purna Investama
p.81 ×2
unresolved
person
Daniel
· Direktur Utama
p.82 ×4
unresolved
person
Budirahayu
· President Director
p.82 ×2
unresolved
person
Budijanto
· President Director
p.82 ×3
unresolved
person
Soedarpo.
· Direktur Keuangan
p.82
unresolved
person
Budijanto Adhiputra
p.82
unresolved
person
Wafatnya Bapak
· Direktur Utama
p.82
unresolved
person
Henry Koenaifi Budirahayu
· Direktur
p.82 ×24
unresolved
person
Adhiputra
· Direktur
p.82 ×5
unresolved
org
Organisasi Bank Ina.
· President Director
p.83 ×2
unresolved
org
Bank Ina. Yulius Purnama
p.83
unresolved
org
Bank Junaedi
p.83
unresolved
person
Ina’s Organizational
· President Director
p.83 ×2
unresolved
—
Tanoyo
· Director of Risk Management and Compliance
p.83
unresolved
org
PT Bank Lippo
p.84 ×2
unresolved
org
PT Bank Internasional Indonesia
p.84 ×2
unresolved
org
Bank Universal
p.84 ×2
unresolved
org
PT Bank OCBC NISP Obtained
p.84
unresolved
org
Bank Windu Kentjana International Tbk
p.85 ×4
unresolved
org
Departemen Kepatuhan Head of Transaction Banking Division
p.87
unresolved
person
IR. Yudhiprama Elpantja
· Kepala Divisi Kredit Review
p.87
unresolved
org
PT Bank Windu Kentjana
p.88 ×2
unresolved
org
Bank Pundi Indonesia Tbk
p.88 ×4
unresolved
org
PT Bank Danamon Syariah
p.88 ×2
unresolved
org
PT Bank China Construction Bank Sarjana Ekonomi
p.88
unresolved
org
Malang Indonesia Tbk
p.88
unresolved
org
Departemen Kepatuhan & APU-PPT
p.88
unresolved
org
PT Visionet Basis
p.89
unresolved
org
PT Indonusa Bara Sejahtera
p.89 ×2
unresolved
org
PT Sutra Kasih Rupawa
p.89 ×2
unresolved
org
PT Hutchison
p.89 ×2
unresolved
org
PT Visionet
p.89
unresolved
org
PT Bank Central Surat Keputusan Direksi
p.89
unresolved
org
Asia Tbk
p.89
unresolved
org
PT Inti Salim Corpora
p.89 ×2
unresolved
org
PT Bank Central Asia Educational History
p.89
unresolved
org
Bank Notes Center
p.89 ×2
unresolved
org
PT Bank Salatiga.
p.89
unresolved
org
Central Asia Tbk
p.89
unresolved
—
Rony Hermawan
· Kepala Divisi General Services &
p.90
unresolved
—
John Eric Pontoh
· Kepala Divisi Legal
p.90
unresolved
—
Albertina Dwita Harliani
· Kepala Divisi Treasury & Financial
p.90
unresolved
—
Henky Priyatna Arief Rivai
· Kepala Divisi Komersial Banking
p.90
unresolved
—
Tjung Jun
· Kepala Divisi Consumer Loans
p.90
unresolved
—
Karmex Siadari
· Kepala Divisi Kebijakan, Sistem &
p.90
unresolved
person
Moh Haris Zaenal Abidin
· Kepala Satuan Kerja Akuntansi &
p.90 ×3
unresolved
—
Liza L Widyawari
· Kepala Divisi Human Capital
p.90
unresolved
—
Lirani Setyowati
· Kepala Divisi Marketing
p.90
unresolved
—
Untung Kurniawan
· Kepala Divisi Network & Branch
p.90
unresolved
—
Novianto Harry Kristono
· Kepala Divisi Micro Banking
p.90
unresolved
—
Farry Permana
· Kepala Satuan Kerja SIM & Pelaporan
p.91
unresolved
—
Fenty Tiodor Simanjuntak
· Kepala Divisi Digital Governance
p.91
unresolved
—
Henry Aza Widjaja
· Kepala Divisi Digital Technology
p.91
unresolved
—
Yapputra
· Head of Digital Technology Division
p.91
unresolved
—
Erica Nova
· Kepala Divisi Operation Development
p.91
unresolved
—
Wagimin
· Kepala Divisi Transaction Banking
p.91
unresolved
—
Mieliawati Kamto
· Kepala Divisi Credit Administration
p.91
unresolved
—
Limmi Heriyanto
· Kepala Satuan Kerja Marketing
p.91
unresolved
—
Herman Labuan
· Kepala Divisi Technology Operation
p.91
unresolved
—
Febe Budianto
· Kepala Divisi Digital Solutions &
p.92
unresolved
org
Yayasan Keluarga Head
p.92
unresolved
org
Yayasan Keluarga Pahlawan Negara
p.92
unresolved
—
Yenny Halim
· Kepala Divisi Digital Banking Operation
p.92
unresolved
—
Ali Santa
· Pejabat Sementara Kepala Divisi Credit
p.92
unresolved
—
Laksmiwati Harjoko
· Kepala Divisi Branch Operation &
p.92
unresolved
—
Ana Sjamsuriah
· Pemimpin Kantor Cabang Medan
p.92
unresolved
—
Andie Nuvianto
· Pemimpin Kantor Cabang Yogyakarta
p.92
unresolved
—
Charles Belen
· Pemimpin Kantor Cabang Ambon
p.92
unresolved
—
Dewi Sarijati
· Pemimpin Kantor Cabang Denpasar
p.92
unresolved
—
Vonny Ridho
· Pemimpin Kantor Cabang Pasar
p.92
unresolved
—
Rusdy Yanto
· Pemimpin Kantor Cabang Ariobimo,
p.92
unresolved
—
Liliana Kusuma Chandra
· Pemimpin Kantor Cabang Solo
p.92
unresolved
—
Harijanto Tanuwidjaja
· Pemimpin Kantor Cabang Bandung
p.92
unresolved
—
Iwan Victorius T
· Pemimpin Kantor Cabang Makassar
p.92
unresolved
—
Olviany Dowah
· Pemimpin Kantor Cabang Palu
p.93
unresolved
—
Lussy Kanserina Yulisia
· Pemimpin Kantor Cabang Kelapa
p.93
unresolved
—
Retno Windrati
· Pemimpin Kantor Cabang Malang
p.93
unresolved
—
Joko
· Pemimpin Kantor Cabang Semarang
p.93
unresolved
—
Anggraeni Tedjokusumo
· Pemimpin Kantor Cabang Kertajaya,
p.93
unresolved
—
Erna Dwi Eviyani
· Pemimpin Kantor Cabang Tegal
p.93
unresolved
org
PT Asuransi Umum BCA
p.95 ×2
unresolved
org
PT Bank BCA Syariah
p.95 ×2
unresolved
org
Dana Pensiun BCA
p.95
unresolved
org
Yayasan Bhakti BCA
p.95
unresolved
org
Banking. Perdana Tbk.
p.96 ×2
unresolved
org
Broker Dealer Representative. Perdana Tbk.
p.98
unresolved
org
PT Philadel Terra Lestari
p.99
unresolved
org
Menteri Keuangan Republik Indonesia
p.102
unresolved
person
Profile Notaris Notary Nama Christina Dwi Utami
p.106
unresolved
person
MHum
p.106
unresolved
person
KH Zainul Arifin
p.106
unresolved
person
Forum Komunikasi
· Direktur
p.113
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