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Sanggahan dan
Batasan Tanggung Jawab
Disclaimer and Limitation of Liability
Laporan Tahunan dan Keberlanjutan 2023 PT. Bank Sinarmas Tbk. The 2023 Annual and Sustainability Report of
(yang selanjutnya disebut “Bank Sinarmas” atau “Bank”) PT. Bank Sinarmas Tbk. (hereinafter referred to as
disusun berdasarkan Peraturan Otoritas Jasa Keuangan “Bank Sinarmas” or the “Bank”) was prepared based on Financial
No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Services Authority Regulation No. 29/POJK.04/2016 on Annual
Perusahaan Publik serta Peraturan Otoritas Jasa Keuangan Reports of Issuers or Public Companies and Financial Services
No. 51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan Authority Regulation No. 51/POJK.03/2017 on the Implementation
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik. of Sustainable Finance for Financial Services Institutions, Issuers and
Muatan konten laporan ini sesuai dengan Surat Edaran Otoritas Jasa Public Companies. The content of this report is in accordance with
Keuangan No. 16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan the Financial Services Authority Circular No. 16/SEOJK.04/2021
Tahunan Emiten atau Perusahaan Publik dan kriteria Annual Report on the Form and Content of Annual Reports of Issuers or Public
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
berbagai asumsi mengenai kondisi mendatang Bank, serta on prospective statements and various assumptions regarding
lingkungan bisnis yang terkait, sehingga dapat mengakibatkan the Bank’s future condition, as well as the related business
perkembangan aktual secara material berbeda dari yang environment, which may result in actual developments that are
dilaporkan. Oleh karena itu, Bank mengimbau agar pemangku materially different from those reported. Therefore, the Bank urges
kepentingan dapat menggunakan informasi tersebut secara bijak stakeholders to use this information wisely in making decisions.
dalam pengambilan keputusan.
Informasi lebih lanjut terkait laporan ini dan muatan di dalamnya Further information regarding this report and its contents can be
dapat diperoleh melalui: obtained through:
Sinar Mas Land Plaza Tower I, Lt. 1 & 2
Retno Tri Wulandari Jl. MH Thamrin Kav. 51
Jakarta 10350
Sekretaris Perusahaan T: +62 21 3199 0101
Corporate Secretary F: +62 21 3199 0401
E: corporate.secretary@banksinarmas.com
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Sustaining Bussiness
Endurance
Bank Sinarmas terus menunjukkan komitmen yang kuat dalam
menghadapi dinamika ekonomi dan persaingan industri di
sepanjang tahun 2023. Dengan rangkaian strategi yang saling
terintegrasi antara pengelolaan aspek ekonomi, sosial, dan
lingkungan, Bank terus mengupayakan pertumbuhan bisnis yang
sehat, berdaya tahan, dan bermakna. Setiap strategi diambil dengan
orientasi jangka panjang, mulai dari penguatan layanan perbankan
dengan mengutamakan digitalisasi, pengendalian tingkat suku
bunga secara selektif, penguatan permodalan, bahkan pemisahan
Unit Usaha Syariah untuk menjaga keseimbangan operasional.
Dalam penyaluran kredit, Bank tidak hanya memprioritaskan
2023 sektor-sektor yang memiliki prospek usaha yang baik dan agunan
Laporan Tahunan dan Keberlanjutan yang memadai, tetapi juga mempertimbangkan faktor lingkungan
Annual and Sustainability Report
dan sosial didalamnya.
Bank Sinarmas continued to demonstrate strong commitment
in dealing with the economic dynamics and industry challenges
throughout 2023. With an integrated set of strategies including
economic, social, and environmental aspects, the Bank consistently
attempted for sustainable, resilient, and meaningful business
growth. Each strategy was taken with a long-term orientation,
starting from strengthening banking services by prioritizing
digitalization, selectively controlling interest rates, strengthening
capital, and even separating Sharia Business Units to maintain
operational balance. In credit disbursement, the Bank did not
only prioritize sectors with good business outlook and adequate
collateral but also considering environmental and social factors
within it.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
1
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Kesinambungan Tema
Theme Continuity
Adapting Sustainability
Empowering Life Through Digitalization
2022 2021
Sepanjang tahun 2022, Bank Sinarmas terus memacu kinerja Bank Sinarmas mendukung pentingnya pertumbuhan
dalam menjalankan fungsi intermediasi keuangan dalam ekonomi berkelanjutan yang menyelaraskan kepentingan
perekonomian. Melalui kegiatan penghimpunan dana dan ekonomi, sosial, dan lingkungan hidup. Layanan perbankan
penyaluran kredit, Bank Sinarmas terus memobilisasi dana yang telah terdigitalisasi secara optimal merupakan langkah
masyarakat untuk digunakan dalam aktivitas produktif Bank Sinarmas untuk terus beradaptasi menuju pembangunan
yang memberi mata pencaharian bagi jutaan orang. Melalui berkelanjutan.
berbagai layanan perbankan yang diberikan, termasuk layanan
perbankan digital terkini dalam aplikasi mobile banking Bank Sinarmas telah meluncurkan sejumlah layanan perbankan
SimobiPlus, Bank Sinarmas terus menghadirkan kemudahan digital dan terus melakukan inovasi dan pembaruan terhadap
bagi nasabah dalam menjalankan aktivitas sehari-hari, baik produknya. Layanan digital perbankan yang terintegrasi dalam
dalam urusan bisnis maupun kehidupan pribadi. Melalui aplikasi mobile banking SimobiPlus mampu memberikan
komitmennya terhadap keuangan berkelanjutan, Bank Omnichannel Experience sebagai penunjang gaya hidup
Sinarmas mendukung pertumbuhan ekonomi berkelanjutan nasabah, serta menjadi jembatan nasabah dalam mengakses
yang menyelaraskan kepentingan ekonomi, sosial, dan layanan perbankan.
lingkungan hidup.
Sebagai bentuk adaptasi menuju perbankan berkelanjutan,
Melalui berbagai langkah tersebut, Bank Sinarmas melanjutkan Bank Sinarmas meluncurkan program Green Saving yang
kontribusinya dalam memberdayakan kehidupan semakin mengajak nasabah dan seluruh kalangan masyarakat
banyak orang di Indonesia, kini dan di masa mendatang. memaksimalkan penggunaan energi terbarukan, khususnya
sinar matahari. Hal sederhana seperti menggunakan Green
Throughout 2022, Bank Sinarmas continues to boost Energy yang ramah lingkungan dapat membawa perubahan
performance in carrying out the financial intermediary besar di kemudian hari, sesuai tagline Bank Sinarmas
function in the economy. Through funding and lending #biasakansekarangluarbiasananti#.
activities, Bank Sinarmas continues to mobilize public funds
to be used in productive activities that provide livelihoods for Bank Sinarmas supports the importance of sustainable
millions of people. Through various banking services provided, economic growth which aligns economic, social, and
including the latest digital banking services in the SimobiPlus environmental goals. Optimally digitalized banking services
mobile banking apps, Bank Sinarmas continues to provide are an effort by Bank Sinarmas to continue to adapt in order
convenience for customers in carrying out their daily activities to contribute to the achievement of sustainable development.
both in business and in personal life. Through its commitment
to sustainable finance, Bank Sinarmas supports sustainable Bank Sinarmas has launched several digital banking services
economic growth that harmonizes economic, social, and and will continue to innovate and update its products. Digital
environmental interests. banking services that are integrated into the SimobiPlus mobile
banking application can provide Omnichannel Experience
Through these various steps, Bank Sinarmas continues its to support customers’ lifestyles and become a bridge for
contribution in empowering the lives of more and more customers to access banking services.
people in Indonesia, now and in the future.
As a form of adaptation toward sustainable banking, Bank
Sinarmas launched the Green Saving program which invites
customers and the public to maximize the use of renewable
energy, particularly sunlight. Simple steps, such as using
eco-friendly Green Energy, can bring about big changes
in the future, which is in line with the Bank’s tagline
#biasakansekarangluarbiasananti#.
Laporan Tahunan dan Keberlanjutan 2023
2 PT. Bank Sinarmas Tbk.
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Optimizing Digital Movement for
Our Digital Services Greater Performance
2020 2019
Bank Sinarmas memiliki komitmen dalam pengembangan Sebagai bagian dari inovasi berupa pengembangan produk
digital, antara lain dilakukan melalui aplikasi SimobiPlus. dan layanan yang sesuai dengan kebutuhan nasabah, Bank
Aplikasi ini merupakan layanan digital banking Bank Sinarmas Sinarmas senantiasa mengimplementasikan 5 Nilai Dasar
untuk memberikan kemudahan, kenyamanan, dan keamanan Bank (Agile, Networking Internationally, Constantly Learning,
transaksi bagi nasabah. Reliable, and Let’s Work Together). Melalui layanan keuangan
berbasis digital, yaitu SimobiPlus, Bank Sinarmas telah siap
Melalui layanan digital tersebut, Bank berupaya meningkatkan menghadapi digitalisasi yang tengah terjadi lewat berbagai
kemudahan dan kepuasan nasabah dalam melakukan strategi.
transaksi perbankan. Seiring dengan meningkatnya pengguna
layanan tersebut, Bank terus menambah fitur digital serta Pada 2019, pesatnya tren layanan perbankan berbasis
memperkuat infrastruktur keamanan transaksi. digital mendorong Bank Sinarmas untuk mengembangkan
SimobiPlus. Bank Sinarmas berhasil menggaet nasabah untuk
Pengembangan digital ini juga memberikan manfaat bagi bertransaksi secara digital, mencapai peningkatan transaksi
Bank, yaitu meningkatnya loyalitas nasabah. Untuk itulah, mobile banking sebesar 300%. Hal ini menunjukkan bahwa
Bank berkomitmen untuk terus mengembangkan layanan kami terus beradaptasi dengan zaman guna meningkatkan
digital secara berkesinambungan, sekaligus sebagai respon layanan yang dapat diandalkan nasabah.
terhadap tren dalam industri keuangan khususnya perbankan.
Dengan sumber daya dan keunggulan yang kami miliki, Bank
Bank Sinarmas has a commitment to digital development, Sinarmas optimis untuk terus bersaing di dunia perbankan
among others, through the SimobiPlus application. This Indonesia. Menjadi solusi bagi setiap nasabah merupakan
application is a digital banking service from Bank Sinarmas bagian dari eksistensi kami.
to provide facilities, convenience, and security of transactions
for customers. In developing innovative products and services that suit the
needs of customers, Bank Sinarmas always implements the
Through this digital service, the Bank seeks to improve Bank’s 5 Core Values (i.e. Agile, Networking Internationally,
customer convenience and satisfaction in conducting Constantly Learning, Reliable, and Let’s Work Together).
banking transactions. Along with the increasing number of Through digital-based financial services provided by
service users, the Bank continues to add digital features and SimobiPlus, Bank Sinarmas is ready to face the digitalization
strengthen the transaction security infrastructure. that has been happening through various strategies.
This digital development is also beneficial for the Bank in In 2019, the rapid trend of digital-based banking services
increasing customer loyalty. For this reason, and in response encouraged Bank Sinarmas to develop SimobiPlus. Bank
to trends in the financial industry - particularly banking, the Sinarmas managed to attract customers to transact digitally,
Bank is committed to continuously developing digital services achieving an increase in mobile banking transactions by
on an ongoing basis. 300%. It shows that we have continuously been adapting to
improve services that our customers can rely on.
With its resources and core advantages, Bank Sinarmas is
optimistic to compete in the Indonesian banking industry.
Becoming a solution for every customer is part of its existence.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
3
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Daftar Isi Profil Perusahaan
Company Profile
Table of Contents
50 Identitas Perusahaan
Company Identity
52 Sekilas Bank Sinarmas
ii Sanggahan dan Batasan Tanggung Jawab Bank Sinarmas at a Glance
Disclaimer and Limitation of Liability
54 Jejak Langkah
2 Kesinambungan Tema Milestones
Theme Continuity
56 Visi dan Misi
4 Daftar Isi Vission and Mission
Table of Contents
56 Tagline Bank Sinarmas
7 Pencapaian Kinerja 2023 Bank Sinarmas Tagline
2023 Performance Achievements
58 Nilai-Nilai Luhur
8 Strategi Keberlanjutan Noble Values
Sustainability Strategy
58 Etos Kerja
12 Penentuan Isi dan Topik Material Work Ethics
Determining Contents and Material Topic
60 Kegiatan Usaha
Business Activities
62 Produk dan Layanan/Jasa
Products and Services
Ikhtisar Kinerja 2023 64 Wilayah Operasional dan Jaringan
2023 Performance Highlights Operational and Network Area
18 Ikhtisar Kinerja Keberlanjutan 65 Keanggotaan pada Asosiasi
Sustainability Performance Highlights Membership in Associations
24 Ikhtisar Saham 66 Struktur Organisasi
Stock Highlights Organizational Structure
25 Ikhtisar Obligasi/Sukuk 68 Profil Dewan Komisaris
Bonds/Sukuk Highlights Profile of the Board of Commissioners
26 Peristiwa Penting 2023 71 Profil Direksi
2023 Significant Events Profile of the Board of Directors
28 Penghargaan dan Sertifikasi 81 Profil Dewan Pengawas Syariah
Awards and Certifications Profile of Sharia Supervisory Board
83 Profil Pejabat Eksekutif
Profile of Executive Officers
89 Demografi Karyawan
Laporan Manajemen Employee Demographic
Management Report 91 Struktur Pemegang Saham
Shareholders Structure
32 Laporan Dewan Komisaris
Board of Commissioners’ Report 93 Entitas Anak dan Asosiasi
Subsidiaries and Associates
38 Laporan Direksi
Board of Directors’ Report 93 Kronologi Pencatatan Saham
Chronology of Share Listing
47 Tanggung Jawab Laporan Tahunan dan 94 Kronologi Pencatatan Efek Lainnya
Keberlanjutan Chronology of Other Securities Listing
Annual and Sustainability Report Responsibility
95 Kantor Akuntan Publik
Public Accounting Firm
96 Lembaga dan Profesi Penunjang Perusahaan
Supporting Institutions and Professions for
Companies
97 Informasi pada Situs Web Perusahaan
Company Website
Laporan Tahunan dan Keberlanjutan 2023
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98 Nama dan Alamat Kantor Cabang, 343 Sistem Pengendalian Internal
Kantor Cabang Pembantu, Kantor Fungsional, Internal Control System
Kantor Cabang Syariah, dan Kantor Cabang
345 Satuan Kerja Kepatuhan
Pembantu Syariah
Compliance Work Unit
Name and Address of Branch Offices,
Sub-Branch Offices, Functional Offices, Sharia 371 Legal Group
Branch Offices, and Sharia Sub-Branch Offices Legal Group
373 Perkara Penting yang Dihadapi
Significant Cases
374 Keterbukaan Informasi
Pembahasan dan Analisis Manajemen Disclosure of Information
Management Discussion and Analysis
374 Akses Informasi dan Data Perusahaan
Access to Corporate Information and Data
114 Strategi Usaha 2023
Business Strategies in 2023 375 Sistem Pelaporan Pelanggaran
Whistleblowing System
114 Tinjauan Kinerja per Segmen Usaha
380 Kode Etik dan Pedoman Tingkah Laku
Performance Overview by Business Segment
Code of Ethics and Code of Conducts
132 Tinjauan Kinerja Keuangan 382 Kebijakan Anti Korupsi
Financial Overview Anti-Corruption Policy
386 Pencegahan Transaksi Orang Dalam
(Insider Trading)
Prevention of Insider Trading Transaction
Tinjauan Pendukung Bisnis 387 Laporan Tata Kelola Unit Usaha Syariah
Business Support Overview Sharia Business Unit Governance Report
395 Praktik Bad Corporate Governance
176 Sumber Daya Manusia Bad Corporate Governance Practices
Human Resources
396 Manajemen Risiko
183 Teknologi Informasi Risk Management
Information Technology
Keberlanjutan Sosial dan Lingkungan
Social and Environmental Sustainability
Tata Kelola Perusahaan 493 Tata Kelola Keberlanjutan
Corporate Governance Sustainability Governance
497 Meningkatkan Budaya Keberlanjutan
190 Komitmen Penerapan Enhancing Sustainability Culture
Tata Kelola Perusahaan yang Baik
498 Keberlanjutan Pengembangan Sosial
Commitment to Implementing
Social Development Sustainability
Good Corporate Governance
510 Kepedulian terhadap Lingkungan Hidup
214 Rapat Umum Pemegang Saham Concern for the Environment
General Meeting of Shareholders
228 Dewan Komisaris
Board of Commissioners 517 Lembar Umpan Balik
Feedback Form
241 Direksi
519 Tanggapan terhadap Umpan Balik
Board of Directors
Tahun Sebelumnya
258 Transparansi Informasi tentang Dewan Response to Feedback from Previous Year’s
Komisaris dan Direksi Sustainability Report
Transparency of Information about the Board of Indeks Pengungkapan Kriteria Peraturan
520
Commissioners and the Board of Directors Otoritas Jasa Keuangan No. 51/POJK.03/2017
273 Komite-Komite di Bawah Dewan Komisaris Financial Services Authority Regulation Criteria
Board of Commissioners’ Subordinate Committees Disclosure Index No. 51/POJK.03/2017
314 Komite-Komite di Bawah Direksi
Board of Directors’ Subordinate Committees
330 Sekretaris Perusahaan Laporan Keuangan
Corporate Secretary Financial Statements
335 Satuan Kerja Audit Internal
Internal Audit Work Unit
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Pada tanggal 1 Januari 2024, pemisahan Unit On January 1, 2024, the establishment of
Usaha Syariah PT. Bank Sinarmas Tbk. telah efektif PT. Bank Nano Syariah marked the effective spin-off
dilakukan dengan pendirian Bank Umum Syariah, of the Sharia Business Unit of PT. Bank Sinarmas Tbk.
yaitu PT. Bank Nano Syariah.
Dengan dipisahkannya Unit Usaha Syariah, maka Following this spin-off, PT. Bank Sinarmas Tbk.
selanjutnya PT. Bank Sinarmas Tbk. tidak lagi ceased its sharia business activities.
melakukan kegiatan usaha syariah.
Laporan Tahunan dan Keberlanjutan 2023
6 PT. Bank Sinarmas Tbk.
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Pencapaian Kinerja 2023
2023 Performance Achievements
Ekonomi / Economy
Kredit yang Diberikan dan Piutang/
Laba Bersih Pembiayaan Syariah - Bersih Dana Pihak Ketiga
Net Profit Loans and Receivables/ Third Party Funds
Sharia Financing - Net
Rp
76
miliar / billion
Rp
15.185
miliar / billion
Rp
42.126
miliar / billion
65,73% year over year (yoy) 13,49% yoy 8,87% yoy
Rasio Kewajiban Penyediaan
Jumlah Aset Jumlah Ekuitas Modal Minimum (KPMM)
Total Assets Total Equity Minimum Capital Adequacy
Ratio (CAR)
Rp
52.635
miliar / billion
Rp
7.827
miliar / billion
Rp
25,34%
2022 2021
11,16% yoy 7,44% yoy 29,49% 29,12%
Sosial / Social
Realisasi Kegiatan Tanggung Jawab Sosial Kemasyarakatan
Realization of Social and Community Responsibility Activities
Rp
2,48 miliar / billion
Lingkungan / Environment
Portofolio Pembiayaan Kegiatan Usaha Berkelanjutan
Sustainable Business Activities Financing Portfolio
Rp
2.390 miliar / billion
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Strategi Keberlanjutan
Sustainability Strategy
Bank Sinarmas berkomitmen untuk mendukung penerapan Bank Sinarmas is committed to supporting the implementation
keuangan berkelanjutan dengan menyeimbangkan 3 pilar of sustainable finance by balancing three pillars of sustainability,
keberlanjutan, yakni ekonomi, sosial, dan lingkungan. Ketiga namely economic, social, and environmental pillars. These three
pilar tersebut senantiasa diintegrasikan dalam aktivitas bisnis yang pillars are consistently integrated into the business activities so
dijalankan agar keputusan dan kebijakan yang diambil oleh Bank that decisions and policies made by the Bank always consider their
senantiasa memperhatikan dampaknya secara menyeluruh dan comprehensive and sustainable long-term impacts. [POJK51-A.1]
berkesinambungan dalam jangka panjang. [POJK51-A.1]
Berbagai strategi disusun Bank Sinarmas dalam menyeimbangkan Various strategies are formulated by Bank Sinarmas to balance the
3 pilar keberlanjutan, di antaranya: three pillars of sustainability, including:
1. Mendukung keuangan berkelanjutan melalui: 1. Supporting sustainable finance through:
a. Pemberian kredit bagi pelaku usaha Mikro, Kecil, dan a. Providing credit to Micro, Small, and Medium Enterprises
Menengah (UMKM), termasuk penyaluran kredit kepada (MSMEs), including the disbursement of credit to the
sektor peternakan dan pertanian; livestock and agricultural sectors.
b. Dukungan terhadap program pemerintah, seperti b. Support for government programs, such as the distribution
penyaluran Kredit Usaha Rakyat (KUR) dan layanan of People’s Business Credit (KUR) and financial services
keuangan tanpa kantor dalam rangka keuangan inklusif without branches for inclusive finance (Laku Pandai);
(Laku Pandai);
c. Pengembangan produk dan layanan digital banking c. Development of digital banking products and services
melalui aplikasi mobile banking SimobiPlus yang through SimobiPlus mobile banking application, which
terbukti mampu meningkatkan kepuasan nasabah serta has proven to increase customer satisfaction and address
mengatasi tantangan ekonomi Bank, khususnya selama economic challenges faced by the Bank, especially during
masa pandemi; the pandemic period.
2. Meningkatkan kapasitas internal organisasi melalui pelaksanaan 2. Enhancing internal organizational capacity through the
program peningkatan kompetensi karyawan, khususnya terkait implementation of employee competency development
prinsip-prinsip keberlanjutan; programs, particularly related to sustainability principles;
3. Memulai proyek rintisan pemasangan panel surya, antara 3. Initiating a pilot project for installing solar panels, including in
lain di 2 kantor cabang Surabaya, di KC Solo, dan KCP Kapt. 2 branch offices (KC) in Surabaya, in KC Solo, and KCP Kapt.
Soebijanto, BSD. Proyek ini menjadi wujud dari komitmen Soebijanto, BSD. This project is a manifestation of the Bank’s
Bank dalam mengurangi konsumsi energi, baik berupa bahan commitment to reducing energy consumption, including fuel
bakar minyak (BBM), listrik, air, serta mengurangi penggunaan (BBM), electricity, water, and reducing paper usage in each
kertas yang dilakukan di setiap kantor cabang; serta branch office; and
4. Meningkatkan kesadaran para pemangku kepentingan untuk 4. Increasing stakeholders’ awareness to strengthen the
memperkuat budaya keberlanjutan. sustainability culture.
Di samping itu, Bank Sinarmas telah menyusun langkah inisiatif Furthermore, Bank Sinarmas has prepared initiatives and strategic
dan rencana strategis dalam penerapan keuangan berkelanjutan plans for the implementation of sustainable finance outlined
yang tercantum dalam Rencana Aksi Keuangan Berkelanjutan in the Sustainable Finance Action Plan (RAKB). Through the
(RAKB). Melalui aspek keberlanjutan yang tertuang dalam RAKB, sustainability aspects outlined in RAKB, the Bank plays a crucial
Bank berperan penting dalam mendukung Tujuan Pembangunan role in supporting the Sustainable Development Goals (SDGs).
Berkelanjutan (TPB). Adapun RAKB untuk periode 2023 telah The 2023 RAKB was submitted to the Financial Services Authority
disampaikan kepada Otoritas Jasa Keuangan pada tanggal on November 27, 2023 via Letter No. SKL.241/2023/DIR1-COMP.
27 November 2023 melalui Surat No. SKL.241/2023/DIR1-COMP.
Laporan Tahunan dan Keberlanjutan 2023
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Prioritas Penerapan Keuangan Keberlanjutan Tahun 2023-2027
Priorities for the Implementation of Sustainable Finance 2023-2027
Prioritas Bank Sinarmas dalam RAKB Strategi RAKB Bank Sinarmas untuk Menjawab Prioritas
Bank Sinarmas’ Priority in RAKB Bank Sinarmas RAKB Strategy to Address Priority
Kerja sama pembukaan rekening online melalui platform partner (pihak Memperluas saluran akuisisi nasabah Bank Sinarmas untuk meningkatkan
ketiga). inklusivitas keuangan dan meningkatkan brand awareness.
Collaborating on online account opening through a partner platform (third Expanding Bank Sinarmas's customer acquisition channels to promote
party). financial inclusivity and increase brand awareness.
Menciptakan lingkungan kerja yang berwawasan lingkungan. • Penggunaan lampu LED;
• Pemasangan Surya Panel;
• Mematikan lampu pada jam-jam istirahat; serta
• Mematikan AC mulai pukul 17.00 WIB (after working hours).
Creating an environmentally friendly work environment. • Utilizing LED lights;
• Installing Solar Panels;
• Turning off lights during break times; and
• Turning off AC starting at 5:00 PM (after working hours).
Menyalurkan dana kredit, terutama kepada sektor UMKM dengan produk Mengoptimalkan penyaluran KUR sesuai kuota KUR yang ditetapkan
Kredit Usaha Rakyat (KUR). pemerintah.
Channeling credit funds, especially to the SME sector with the People's Optimizing the disbursement of People's Business Credit (KUR) in accordance
Business Credit (KUR) product. with the government-set KUR quota.
Program Awareness Rencana Aksi Keuangan Berkelanjutan. Melakukan program awareness kepada seluruh karyawan, berupa program
pelatihan melalui e-learning dan inclass session (termasuk kepada karyawan
baru), untuk memastikan pemahaman atas RAKB yang dijalankan oleh
Bank Sinarmas.
Sustainable Financial Action Plan Awareness Program. Conducting awareness programs for all employees, including training
programs through e-learning and in-class sessions (including for new
employees), to ensure understanding of the Bank Sinarmas's Bank Policy
Action Plan (RAKB).
Pelatihan dan edukasi kepada masyarakat dalam hal kapasitas, keahlian, dan Menyelenggarakan edukasi untuk membentuk masyarakat yang berkualitas
kesejahteraan. dan kompeten.
Training and education for the community in terms of capacity, skills, and Organizing education programs to shape a quality and competent society.
welfare.
RAKB 5 Tahun
RAKB for 5 Years
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Priority Activity Target Success Indicators
• Menciptakan lingkungan kerja yang berwawasan lingkungan • Memantau perkembangan program-program penghematan,
(penghematan penggunaan air, listrik, dan kertas) serta seperti penghematan penggunaan air, listrik, dan kertas serta
berupaya untuk mengefisiensikan waktu dan biaya program pengembangan, seperti penggunaan motor listrik,
operasional kantor. penggunaan lampu LED, dan pemasangan surya panel.
• Fokus pada aktivitas yang dapat meningkatkan keaktifan • Jumlah nasabah yang aktif bertransaksi dan jumlah transaksi
nasabah untuk selalu menggunakan layanan perbankan melalui Mobile Banking Bank Sinarmas meningkat yang
digital, seperti: dapat berpengaruh pada peningkatan DPK.
- Menjalankan program loyalty bagi nasabah yang semakin • Memperluas jangkauan kredit kepada UMKM dengan
aktif bertransaksi bill payment melalui Mobile Banking dukungan teknologi informasi dan aplikasi digital.
Bank Sinarmas; dan • Seluruh karyawan melaksanakan program awareness RAKB.
2023 - Nasabah dapat mengikuti program yang dijalankan oleh • Dapat terlaksana sesuai dengan level jabatan yang dituju.
Bank Sinarmas melalui Mobile Banking tanpa perlu ke • Melaksanakan kegiatan employee engagement 3 bulan
Kantor Cabang. sekali selama 1 tahun, program rutin komunitas untuk olah
• Menyalurkan kredit dengan aplikasi yang mudah, cepat, dan raga dan hobi, serta pemberian penghargaan masa kerja
dapat menjangkau semua lapisan nasabah. karyawan.
• Program peningkatan awareness Rencana Aksi Keuangan
Berkelanjutan.
• Melaksanakan 360 Degree Assessment karyawan secara
bertahap dan periodik sebagai dasar rencana pengembangan
karyawan.
• Melaksanakan program rutin work life balance.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
9
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Priority Activity Target Success Indicators
• Creating an environmentally friendly work environment • Monitoring the progress of cost-saving programs, such
(conserving water, electricity, and paper usage) and striving as saving water, electricity, and paper usage, as well
to optimize office operational time and costs. as development programs, such as the use of electric
• Focusing on activities that can enhance customer engagement motorcycles, LED lights, and solar panel installations.
to consistently use digital banking services, such as: • The number of active customers conducting transactions
- Organizing loyalty programs for customers who actively and the number of transactions through the Bank Sinarmas
conducted bill payments through Bank Sinarmas Mobile Mobile Banking increases, which may contribute to the
Banking; and increase in Third-Party Funds (DPK).
- Allowing customers to participate in programs conducted • Expanding the credit reach to SMEs with the support of
by Bank Sinarmas through the Mobile Banking without the information technology and digital applications.
need to visit a Branch Office. • All employees implement the RAKB awareness program.
• Disbursing credit through an easy, fast, and accessible • Programs can be implemented according to the targeted job
application to reach all level of customers. level.
• Programs to increase awareness of the Sustainable Financial • Implementing employee engagement activities will be
Action Plan. conducted every three months for one year, routine
• Conducting gradual and periodic 360 Degree Assessment of community programs for sports and hobbies, as well as
employees as the basis for employee development plans. recognition of employees' length of service.
• Implementing routine work-life balance programs.
• Melanjutkan program-program RAKB tahun-tahun • Mempertahankan indikator keberhasilan pencapaian
sebelumnya. program RAKB tahun-tahun sebelumnya.
• Mengawasi kewajiban Bank dalam pelaporan Taksonomi • Memastikan pelaporan Taksonomi Hijau Indonesia dilakukan
Hijau Indonesia. secara benar dan tepat waktu.
• Evaluasi dan pembaharuan ketentuan internal terkait • Telah melakukan evaluasi dan pembaharuan kebijakan
2024-2025 keuangan berkelanjutan apabila diperlukan. apabila diperlukan.
• Continuing the RAKB programs from previous years. • Maintaining the success indicators of achieving RAKB
• Monitoring the Bank's obligations in reporting on the programs from previous years.
Indonesian Green Taxonomy. • Ensuring that reporting under the Indonesian Green
• Evaluating and updating internal regulations related to Taxonomy is done correctly and promptly.
sustainable finance if needed. • Conducting evaluations and policy updates as needed.
• Melanjutkan program-program RAKB tahun-tahun • Mempertahankan indikator keberhasilan pencapaian
sebelumnya. program RAKB tahun-tahun sebelumnya.
• Melakukan investasi pada obligasi hijau yang diterbitkan oleh • Bank berhasil membeli obligasi hijau yang diterbitkan
pemerintah atau instrumen keuangan berkelanjutan. oleh pemerintah, baik SBN maupun SBSN, atau instrumen
• Meningkatkan penyaluran kredit yang semakin mudah keuangan berkelanjutan lainnya.
kepada masyarakat dengan kualitas SDM Bank Sinarmas • Melakukan pelatihan internal (refreshment) terkait
yang semakin berkualitas dan memiliki pemahaman baik pemahaman keuangan berkelanjutan di seluruh jenjang.
dalam layanan keuangan berkelanjutan.
2026
• Continuing the RAKB programs from previous years. • Maintaining the success indicators of achieving RAKB
• Investing in green bonds issued by the government or programs from previous years.
sustainable financial instruments. • The Bank successfully purchased green bonds issued by the
• Increasing the ease of credit disbursement to the public with government, including Government Bonds (SBN) or Retail
the improved quality of Sinarmas Bank's human resources, Sharia Government Securities (SBSN), or other sustainable
who have a good understanding of sustainable financial financial instruments.
services. • Conducting internal training (refreshments) related to
understanding sustainable finance at all levels.
Laporan Tahunan dan Keberlanjutan 2023
10 PT. Bank Sinarmas Tbk.
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Priority Activity Target Success Indicators
• Melanjutkan program-program RAKB tahun-tahun • Mempertahankan indikator keberhasilan pencapaian
sebelumnya. program RAKB tahun-tahun sebelumnya.
• Memberikan pelayanan kepada para pelaku bisnis UMKM • Memberikan pelatihan kepada para pelaku UMKM dalam
hingga ke pelosok daerah dan para pelaku bisnis UMKM meningkatkan usaha dan meningkatkan bisnis di berbagai
dapat terserap serta meningkat dalam kesejahteraannya. model sehingga akan meningkat usahanya dan kesenjangan
• Process improvement melalui pengembangan sistem dan keluarganya.
aplikasi. • Enhancement dan pengembangan aplikasi yang dibutuhkan
• Memantau parameter KPI keuangan berkelanjutan pada terimplementasi dengan baik dan sesuai rencana.
KPI unit kerja terkait di KPNO untuk menyesuaikan dengan • KPI Unit Kerja terkait sudah dengan memasukan KPI
strategi Bank. keuangan berkelanjutan.
• Melakukan kajian dan sosialisasi atau penyampaian informasi • Telah melakukan kajian atas ketentuan baru yang berkaitan
kepada seluruh unit kerja dalam hal terdapat informasi atau dengan keuangan berkelanjutan.
2027 ketentuan baru terkait keuangan berkelanjutan.
• Continuing the RAKB programs from previous years. • Maintaining the success indicators of achieving RAKB
• Providing services to SMEs even in remote areas, ensuring programs from previous years.
their absorption and improving their welfare. • Providing training to MSMEs to enhance their businesses and
• Process improvement through system and application improve business models, thereby increasing their enterprises
development. and family welfare.
• Monitoring sustainable financial KPI parameters at relevant • Enhancements and developments of required applications are
unit work KPIs in KPNO to align with the Bank's strategy. well-implemented and in line with the plan.
• Conducting studies and dissemination of information to all • Related Work Unit KPIs have been incorporated with
units in the event of new information or regulations related sustainable financial KPIs.
to sustainable finance. • Conducted a study on new provisions related to sustainable
finance.
Realisasi RAKB 2023
RAKB Realization 2023
dalam jutaan Rupiah / in millions of rupiah
Uraian Kategori Kegiatan Usaha Berkelanjutan Realisasi
Description Sustainable Business Activity Category Realization
Penghimpunan Dana yang memenuhi kriteria kegiatan usaha berkelanjutan / Fundraising that meets the criteria for
2.112.628
sustainable business activities
Penyaluran Dana: Energi Terbarukan / Renewable Energy -
Kredit/Pembiayaan
Efisiensi Energi / Energy Efficiency -
kegiatan usaha
berkelanjutan Pencegahan dan Pengendalian Polusi / Pollution Prevention and Control -
Fund Distribution:
Pengelolaan Sumber Daya Alam Hayati dan Penggunaan Lahan yang Berkelanjutan /
Credit/Financing for -
Management of Biodiversity and Sustainable Land Use
Sustainable Business
Activities Konservasi Keanekaragaman Hayati Darat dan Air / Terrestrial and Aquatic Biodiversity Conservation -
Transportasi Ramah Lingkungan / Eco-Friendly Transportation 3.489
Pengelolaan Air dan Air Limbah yang Berkelanjutan / Sustainable Water and Wastewater
-
Management
Adaptasi Perubahan Iklim / Climate Change Adaptation -
Produk yang Dapat Mengurangi Penggunaan Sumber Daya dan Menghasilkan Lebih Sedikit Polusi
(Eco Efficient) / Products that Reduce Resource Consumption and Generate Less Polluton (Eco- 1.017
Efficient)
Bangunan Berwawasan Lingkungan yang Memenuhi Standar atau Sertifikasi yang Diakui secara
Nasional, Regional, atau Internasional / Environmentally Friendly Building that Meet National, 506.500
Regional, or International Certification or Standards
Kegiatan Usaha dan/atau Kegiatan Lain yang Berwawasan Lingkungan Lainnya /
-
Other Environmentally Friendly Business Activities and/or Activities
Kegiatan UMKM / MSME Activities 1.879.562
Penyaluran Dana: Non-Kredit/Non-Pembiayaan kegiatan usaha berkelanjutan / Fund Distribution: Non-Credit/
14.907.092
Non-Financing of sustainable business activities
Jumlah Kredit/Pembiayaan Bank / Bank’s Total Credit/Financing 17.297.660
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
11
Page 14
Prioritas Dukungan terhadap Tujuan Pembangunan Priority Support for Sustainable Developoment Goals
Berkelanjutan
Bank Sinarmas melakukan pemetaan dukungan pada TPB Bank Sinarmas maps its support for the Sustainable Development
berdasarkan prioritas kegiatan RAKB 2023 serta pelaksanaan Goals (SDGs) based on the priority activities outlined in the
program sosial dan lingkungan sebagai berikut. 2023 Sustainable Finance Action Plan (RAKB), as well as the
implementation of social and environmental programs as follows.
Target Realisasi / Realization
• Pelatihan yang diikuti oleh seluruh karyawan (100%) • Training attended by all employees (100%) throughout the
sepanjang tahun 2023 mencapai sekitar 406.645,51 jam, year 2023 reached approximately 406,645.51 hours, with an
dengan rata-rata sekitar 76,78 jam/karyawan; average 76.78 hours per employee;
• Pelatihan Keuangan Berkelanjutan; dan • Sustainable Finance Training; and
• Gerakan Rajin Menabung di sekolah. • Diligently Savings Movement in schools.
• Penyaluran kredit kepada UMKM senilai Rp1,87 triliun • Credit disbursement to MSMEs amounting to Rp1.87
(Konvensional dan UUS), termasuk di dalamnya penyaluran trillion (Conventional and Sharia Business Unit), including
kredit usaha rakyat (KUR) sebagai dukungan Bank kepada disbursement of People's Business Credit (KUR) in support of
program pemerintah; dan the government's program; and
• Ikut serta dalam Bulan Inklusi Keuangan dengan Otoritas Jasa • Participation in Financial Inclusion Month with Financial
Keuangan di FINEXPO 2023 di Pakuwon Mall Yogyakarta. Services Authority at FINEXPO 2023 at Pakuwon Mall
Yogyakarta.
2 Kantor Cabang yang mendukung Green Office. 2 Branch Offices supporting Green Office.
• Memenuhi indikator kepatuhan, yaitu Kewajiban Penyediaan • Meeting compliance indicators, namely Minimum Capital
Modal Minimum (KPMM), Non-Performing Loan (NPL) Adequacy Ratio (CAR), Net Non-Performing Loans (NPL),
Net, Batas Maksimum Pemberian Kredit (BMPK), dan Rasio Legal Lending Limit (BMPK), and Macroprudential Inclusive
Pembiayaan Inklusif Makroprudensial (RPIM); serta Financing Ratio (RPIM); and
• Seluruh pekerja telah menandatangani Pakta Integritas dan • All employees have signed the Integrity Pact and Code of
Kode Etik. Ethics.
Penentuan Isi dan Topik Material
Determining Contents and Material Topic
Pelibatan Pemangku Kepentingan [POJK51-E.4] Stakeholders Engagement [POJK51-E.4]
Bank Sinarmas telah memetakan kelompok pemangku Bank Sinarmas has mapped stakeholders’ groups based on their
kepentingan berdasarkan kedekatan dan pengaruh mereka intimacy and influence on the Bank through internal discussions
terhadap Bank. Proses pemetaan dilakukan melalui diskusi internal among the Bank’s operational units. This step is taken because
antar unit operasional Bank. Langkah ini dilakukan karena setiap each stakeholder has a different perspective regarding the
pemangku kepentingan memiliki sudut pandang yang berbeda management of important issues relevant to the Bank’s business
terkait pengelolaan isu-isu penting yang relevan dengan aktivitas activities, including sustainable finance issues. The important
bisnis Bank, termasuk isu-isu keuangan berkelanjutan. Isu-isu issues arising from stakeholders serve as the basis for determining
penting yang muncul dari pemangku kepentingan menjadi dasar the focus of this report presentation.
dalam menentukan fokus penyajian laporan ini.
Laporan Tahunan dan Keberlanjutan 2023
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Page 15
Berikut hasil pemetaan pemangku kepentingan dan kebutuhannya Here are the results of stakeholders’ mapping and their needs
beserta respons yang perlu dilakukan oleh Bank Sinarmas. along with the responses required by Bank Sinarmas.
Kelompok
Respons terhadap Kebutuhan Frekuensi
Pemangku Kebutuhan Pemangku
Pemangku Kepentingan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan
Response to Stakeholders Engagement Methods Implementation
Stakeholders Stakeholders Needs
Needs Frequency
Group
Pemegang Saham • Kinerja keuangan dan non- • Menyusun Rencana Bisnis Bank dan • Pelaksanaan Rapat Umum Setiap tahun,
dan Investor keuangan; RAKB; Pemegang Saham (RUPS) dan sesuai waktu yang
• Kinerja lingkungan, sosial, • Menjaga kinerja Bank tetap Paparan Publik; ditentukan, atau
dan tata kelola; optimal dan sesuai target, dengan • Penyampaian Laporan sesuai kebutuhan.
• Pertumbuhan nilai saham; memperhatikan 3 pilar keberlanjutan; Tahunan dan Keberlanjutan;
• Penerapan prinsip • Menerapkan tata kelola perusahaan serta
keuangan berkelanjutan; yang baik (GCG) secara optimal; • Penyediaan sarana akses
serta • Mengelola manajemen risiko dan informasi.
• Keberlangsungan usaha menjaga reputasi Bank; serta
Bank. • Keterbukaan informasi.
Shareholders and • Financial and non-financial • Developing the Bank's Business Plan • Holding the General Meeting Every year,
Investors performance and Sustainable Finance Action Plan of Shareholders (GMS) and according to the
• Environmental, social, and (RAKB); Public Expose; specified time, or as
governance performance; • Maintaining the Bank's performance • Submission of Annual and needed.
• Stock value growth; to remain optimal and in line with Sustainability Report; and
• Implementation of targets, while considering the three • Providing access to
sustainable finance pillars of sustainability; information.
principles; and • Implementing good corporate
• The Bank's business governance (GCG) optimally;
sustainability. • Managing risk management and
maintain the Bank's reputation; and
• Transparency of information.
Pemerintah • Kepatuhan regulasi dan • Memastikan pemenuhan seluruh • Penyampaian Laporan Setiap tahun,
pelaksanaan prinsip kehati- regulasi yang berlaku bagi Bank; Tahunan dan Keberlanjutan, sesuai waktu yang
hatian dan tata kelola • Meningkatkan kualitas penerapan Laporan Keuangan, Laporan ditentukan, atau
perusahaan; GCG, termasuk sistem pengendalian GCG, dan laporan lainnya sesuai kebutuhan.
• Analisis risiko sosial internal dan sistem manajemen risiko; dengan tepat waktu;
dan lingkungan dalam • Menyusun RAKB; • Pembayaran dan pelaporan
pembiayaan; • Menyampaikan setiap laporan pajak dan PNBP;
• Penyampaian beragam dengan tepat waktu; • Penyusunan kebijakan anti-
laporan yang wajib; • Membayar pajak dan penerimaan fraud, anti-korupsi, dan APU-
• Pemenuhan kewajiban negara bukan pajak (PNBP); serta PPT; serta
perpajakan; serta • Menyusun kebijakan dalam • Pertemuan-pertemuan lain.
• Komitmen dalam mencegah mencegah praktik fraud, korupsi,
anti-fraud, anti-korupsi, dan APU-PPT.
serta anti pencucian
uang dan pencegahan
pendanaan terorisme (APU-
PPT).
Government • Compliance with • Ensuring compliance with all • Timely submission of Annual Every year,
regulations and applicable regulations for the Bank; and Sustainability Reports, according to the
implementation of • Improving the quality of GCG Financial Statements, GCG specified time, or as
prudential principles as well implementation, including internal Reports, and other reports; needed.
as corporate governance; control system and risk management • Payment and reporting of
• Analysis of social and system; taxes and non-tax state
environmental risks in • Formulating the Sustainable Finance revenues (PNBP);
financing; Action Plan (RAKB); • Formulation of anti-fraud,
• Submission of various • Timely submission of every report; anti-corruption, and AML-CFT
mandatory reports; • Paying taxes and non-tax state policies; and
• Fulfillment of tax revenues (PNBP); and • Other meetings.
obligations; and • Formulating policies to prevent
• Commitment to preventing fraudulent practices, corruption, and
fraud, corruption, as well AML-CFT.
as anti-money laundering
and countering terrorism
financing (AML-CFT).
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
13
Page 16
Kelompok
Respons terhadap Kebutuhan Frekuensi
Pemangku Kebutuhan Pemangku
Pemangku Kepentingan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan
Response to Stakeholders Engagement Methods Implementation
Stakeholders Stakeholders Needs
Needs Frequency
Group
Karyawan • Hubungan Industrial yang • Menyediakan sistem pengaduan • Penyelenggaraan gathering Setiap tahun atau
baik; karyawan; karyawan dan focus group sesuai rencana
• Hak dan kewajiban • Memenuhi hak dan kewajiban discussion (FGD); pelaksanaan
karyawan; karyawan; • Penyediaan whistleblowing program.
• Kesempatan setara dalam • Menyediakan pelatihan dan system (WBS) untuk
pengembangan karier, pendidikan untuk semua karyawan; melaporkan pelanggaran
kompetensi, pelatihan dan • Membangun sistem pengelolaan hak-hak karyawan atau praktik
pendidikan; serta talenta, termasuk evaluasi kinerja ketenagakerjaan di lingkungan
• Kesehatan dan keamanan yang adil, kenaikan jabatan, Bank;
kerja (K3). promosi, dan mutasi; serta • Pelaksanaan berbagai program
• Memastikan lingkungan kerja yang pendidikan/pelatihan, serta
aman. promosi atau mutasi;
• Penyediaan sarana dan
prasarana (K3) yang memadai;
serta
• Pelaksanaan survei kepuasan
karyawan.
Employee • Good Industrial Relations; • Providing an employee complaint • Organizing employee Every year or
• Rights and obligations of system; gatherings and focus group according to
employees; • Fulfilling the rights and obligations discussions (FGDs); the program
• Equal opportunities in of employees; • Providing a whistleblowing implementation
career development, • Providing training and education for system (WBS) to report plan.
competency enhancement, all employees; violations of employee rights or
training, and education; • Developing a talent management labor practices within the Bank;
and system, including fair performance • Implementation of various
• Occupational health and evaluations, promotions, and education/training programs,
safety (OHS). transfers; and as well as promotions or
• Ensuring a safe working transfers;
environment. • Providing adequate facilities
and infrastructure (OHS); and
• Conducting employee
satisfaction surveys.
Nasabah • Tanggapan dan tindak • Menindaklanjuti umpan balik, • Pelaksanaan customer Sepanjang tahun
lanjut atas umpan balik, masukan, keluhan, dan pengaduan gathering atau sesuai
masukan, keluhan, dan yang diterima; • Penyediaan layanan call center kebutuhan.
permintaan informasi; • Menggali kebutuhan nasabah serta Bank di 1500153;
• Pengembangan produk melakukan inovasi produk dan • Pelaksanaan program literasi
perbankan; layanan; dan inklusi keuangan; serta
• Kesehatan dan • Meningkatkan kualitas layanan, • Pelaksanaan survei kepuasan
keselamatan dalam termasuk dalam hal teknologi nasabah.
operasional bank; informasi;
• Kinerja keberlanjutan; • Memberikan perlindungan simpanan
• Perlindungan privasi nasabah dan kerahasiaan data nasabah;
dan keamanan data; • Menyelenggarakan program literasi
• Pendidikan dan pelatihan; dan inklusi keuangan; serta
• Layanan perbankan yang • Menyediakan informasi yang
prima; serta lengkap dan transparan terkait
• Literasi dan inklusi produk dan jasa Bank melalui situs
keuangan. web atau brosur yang tersedia di
setiap kantor cabang.
Customers • Response and follow-up on • Following up on feedback, input, • Organizing customer Throughout the
feedback, input, complaints, complaints, and grievances received; gatherings; year or as needed.
and information requests; • Identifying customer needs and • Provision of Bank call center
• Development of banking innovating products and services; services at 1500153;
products; • Improving service quality, including • Organizing financial literacy
• The Bank’s health and in terms of information technology; and inclusion programs; and
safety operations; • Providing deposit protection and • Conducting customer
• Sustainability performance; customer data confidentiality; satisfaction surveys.
• Customer privacy protection • Organizing financial literacy and
and data security; inclusion programs; and
• Education and training; • Providing comprehensive and
• Excellent banking services; transparent information regarding
and Bank products and services through
• Financial literacy and the website or brochures available at
inclusion. each branch office.
Laporan Tahunan dan Keberlanjutan 2023
14 PT. Bank Sinarmas Tbk.
Page 17
Kelompok
Respons terhadap Kebutuhan Frekuensi
Pemangku Kebutuhan Pemangku
Pemangku Kepentingan Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan
Response to Stakeholders Engagement Methods Implementation
Stakeholders Stakeholders Needs
Needs Frequency
Group
Mitra Bisnis atau • Pengadaan barang dan/ • Memberikan informasi yang • Perumusan kontrak kerja Sepanjang tahun
Rekanan atau jasa yang adil dan dibutuhkan untuk memperlancar sama; serta atau sesuai
transparan; proses pengadaan dan pekerjaan; • Pelaksanaan pertemuan kebutuhan.
• Kontrak kerja yang saling • Sosialisasi dan edukasi kebijakan dan berkala.
menguntungkan; Kode Etik;
• Pembayaran tepat waktu; • Membangun komunikasi bisnis yang
serta sistematis; serta
• Hubungan kerja yang baik. • Melakukan pembayaran tepat waktu.
Business Partners • Fair and transparent • Providing necessary information to • Formulation of cooperation Throughout the
or Associates goods and/or services facilitate procurement and work contracts; and year or as needed.
procurement; processes; • Organizing regular meeting.
• Mutually beneficial • Dissemination and education on
employment contracts; policies and Code of Ethics;
• Timely payments; and • Developing systematic business
• Good working communication; and
relationships. • Making timely payments.
Media Informasi dan data Bank, Menyediakan informasi yang relevan • Pelaksanaan Paparan Publik Setiap tahun,
seperti kinerja finansial, dan transparan melalui situs web Bank dan press release/conference; sesuai waktu yang
layanan dan produk, serta aksi dan Bursa Efek Indonesia. serta ditentukan, atau
korporasi. • Publikasi media dan Laporan sesuai kebutuhan.
Bank.
Bank information and data, Providing relevant and transparent • Holding Public Expose and Every year, as
such as financial performance, information through the Bank’s and press releases/conferences; scheduled, or as
services and products, as well Indonesia Stock Exchange’s website. and needed.
as corporate actions. • Media publications and Bank
Reports.
Masyarakat • Pemahaman mengenai • Memberikan pemahaman dan • Pelaksanaan program TJSL; Sesuai rencana
keuangan berkelanjutan; perannya dalam penerapan serta pelaksanaan
serta keuangan berkelanjutan Bank; • Penyediaan WBS untuk program atau
• Peningkatan kesejahteraan • Rekrutmen tenaga kerja lokal; serta menyampaikan pengaduan sesuai kebutuhan.
masyarakat. • Melaksanakan berbagai kegiatan masyarakat.
TJSL, termasuk literasi dan inklusi
keuangan.
Community • Undestanding about • Providing understanding and • Organizing CSER programs; As scheduled, or as
sustainable finance; and the role of sustainable finance and needed.
• Improvement of implementation at the Bank; • Providing WBS for community
community welfare. • Recruitment of local workforce; and to convey their complaints.
• Implementing various CESR activities,
including financial literacy and
inclusion.
Topik Material Material Topics
Topik material merupakan isu-isu yang diutamakan untuk Material topics are the prioritized issues to be reported in this
dilaporkan pengelolaannya dalam laporan ini. Penentuan topik report regarding the management. The determination of these
tersebut telah disesuaikan dengan isu-isu penting yang relevan, topics has been adjusted to important and relevant issues, both
baik bagi Bank maupun para pemangku kepentingan. Berikut for the Bank and stakeholders. Below are the material topics along
topik material yang dimaksud beserta alasan materialitasnya. with their reasons for materiality.
Topik Material Alasan Bersifat Material
Material Topics Material Reasons
Aspek Ekonomi / Economic Aspects
Kinerja Ekonomi Peningkatan pada kinerja ekonomi akan menopang keberlanjutan usaha yang dijalankan serta dapat berkontribusi dalam
meningkatkan perekonomian para pemangku kepentingan, daerah, maupun nasional.
Economic Performance Improvements in economic performance will support the business sustainability and contribute to enhancing the economies of
stakeholders, regions, and the nation.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
15
Page 18
Topik Material Alasan Bersifat Material
Material Topics Material Reasons
Digitalisasi Produk dan Layanan berbasis digital akan memberikan kemudahan bagi para nasabah untuk melakukan transaksi.
Layanan
Digitized Products and Digital-based services will provide convenience for customers to conduct transactions.
Services
Anti-Fraud, Anti-Korupsi, Aktivitas operasional yang sehat dan terhindar dari tindak kecurangan atau menyimpang akan menumbuhkan rasa kepercayaan
dan APU-PPT para Pemegang Saham dan pemangku kepentingan lainnya.
Anti-Fraud, Healthy operational activities that are free from fraudulent or deviant actions will foster trust among shareholders and other
Anti-Corruption, and stakeholders.
AML-CTF
Aspek Sosial / Social Aspects
Privasi Data Nasabah Kerahasiaan data nasabah perlu dijaga dalam rangka memberikan rasa aman dan meningkatkan kepercayaan nasabah
terhadap Bank.
Confidentiality of Customer data confidentiality needs to be maintained in order to provide a sense of security and enhance customer trust in
Customer Data the Bank.
Pengembangan Pengembangan kompetensi diselenggarakan dalam rangka membentuk karyawan yang kompeten serta menunjang
Kompetensi Karyawan pelaksanaan tugas dan tanggung jawab, khususnya di bidang keuangan berkelanjutan.
Employee Competency Competency development is conducted to create competent employees and support the implementation of duties and
Development responsibilities, especially in sustainable finance area.
Literasi dan Inklusi Memberikan pemahaman bagi masyarakat terkait manfaat produk dan jasa perbankan berperan penting dalam meningkatkan
Keuangan serta kesejahteraan ekonomi dan sosial.
Pemberdayaan
Masyarakat
Financial Literacy and Providing understanding to the public regarding the benefits of banking products and services that play a crucial role in
Inclusion and Community improving economic and social welfare.
Empowerment
Aspek Lingkungan / Environmental Aspects
Penggunaan Energi Pelaksanaan kegiatan usaha yang dijalankan menggunakan energi yang cukup besar. Maka dari itu Bank berupaya untuk
melakukan pengendalian dalam mengefisiensikan penggunaan energi.
Energy Usage The business activities conducted use a considerable amount of energy. Therefore, the Bank strives to control and efficiently
use energy.
Penggunaan Kertas Penggunaan kertas berlebih dalam aktivitas operasional Bank secara tidak langsung dapat menyebabkan deforestasi dan
berdampak pada ekosistem.
Paper Usage Excessive paper usage in the Bank’s operational activities can indirectly lead to deforestation and impact ecosystems.
Verifikasi Tertulis dari Pihak Independen Written Verification from Independent Party
[POJK51-G.1] [POJK51-G.1]
Laporan Tahunan dan Keberlanjutan Bank Sinarmas 2023 belum The 2023 Annual and Sustainability Report of Bank Sinarmas has
diverifikasi oleh pihak independen. Meskipun demikian, Bank not been verified by independent parties. Nevertheless, the Bank
memastikan bahwa laporan ini telah bersumber dari data yang ensures that this report is sourced from accurate and accountable
benar dan mampu dipertanggungjawabkan, serta disajikan data and presented in accordance with sustainability principles.
sesuai dengan prinsip-prinsip keberlanjutan. Ke depannya, Bank In the future, the Bank will consider conducting verification to
akan mempertimbangkan untuk melaksanakan verifikasi guna enhance the quality of the generated reports.
meningkatkan kualitas laporan yang dihasilkan.
Laporan Tahunan dan Keberlanjutan 2023
16 PT. Bank Sinarmas Tbk.
Page 19
01
IKHTISAR
KINERJA 2023
2023 Performance Highlights
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
17
Page 20
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Keberlanjutan Kinerja Ekonomi [POJK51-B.1] [POJK51-C.3]
Economic Performance Sustainability
Kinerja Keuangan
Financial Performance
dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated
Keterangan 2023 2022 2021 2020 2019 Description
Laporan Posisi Keuangan Statements Of Financial Position
Aset / Asset
Kas 388.102 386.167 571.425 629.712 615.219 Cash
Demand Deposits with
Giro pada Bank Indonesia 6.022.812 4.132.468 2.137.244 1.623.067 2.060.593
Bank Indonesia
Demand Deposits with
Giro pada Bank Lain – Bersih 2.655.935 1.719.763 3.147.827 2.156.806 360.934
Other Banks - Net
Penempatan pada Bank Indonesia Placements with Bank Indonesia
6.263.377 4.802.861 9.592.917 1.905.318 1.039.622
dan Bank Lain – Bersih and Other Banks - Net
Efek-Efek – Bersih 18.131.802 18.646.763 14.582.531 9.183.303 5.584.294 Securities - Net
Efek yang Dibeli dengan Janji Jual Securities Purchased Under
- - 1.672.987 4.586.086 108.665
Kembali – Bersih Agreements to Resell - Net
Kredit yang Diberikan dan Piutang/ Loan and Receivables/Sharia
15.185.200 13.379.839 16.313.869 18.878.373 21.314.497
Pembiayaan Syariah - Bersih Financing - Net
Tagihan Akseptasi – Bersih 78.304 77.389 247.165 153.577 265.212 Acceptances Receivable - Net
Penyertaan Modal Sementara - - - 281.405 318.345 Temporary Equity Particition
Pendapatan yang Masih akan
326.751 304.040 315.777 243.768 220.625 Accrued Income
Diterima
Biaya Dibayar Dimuka 921.948 1.279.454 1.601.446 1.935.587 1.724.015 Prepaid Expenses
Aset Tetap – Bersih 1.606.075 1.508.203 1.540.865 1.584.298 1.399.242 Property and Equipment - Net
Aset Ijarah – Bersih 384.218 397.619 396.386 463.152 628.023 Ijarah Assets - Net
Aset Pajak Tangguhan – Bersih 214.568 196.886 64.120 54.930 - Deferred Tax Assets - Net
Aset Lain-lain – Bersih 455.904 519.149 487.422 932.663 920.270 Other Assets - Net
Jumlah Aset 52.634.996 47.350.601 52.671.981 44.612.045 36.559.556 Total Assets
Liabilitas / Liabilities
Liabilitas Segera 165.101 129.064 116.189 193.249 131.750 Liabilities Immediately Payable
Simpanan 35.142.585 32.397.026 37.961.555 30.763.916 24.652.197 Deposits
Simpanan dari Bank Lain 327.445 14.149 79.243 61.198 800.259 Deposits from Other Banks
Efek yang Dijual dengan Securities Sold Under
1.051.717 - - 1.042.913 236.699
Janji Dibeli Kembali Agreement to Repurchase
Utang Pajak 52.572 158.846 29.745 71.082 38.428 Taxes Payable
Liabilitas Akseptasi 79.880 78.065 250.424 153.617 265.212 Acceptances Payable
Beban yang Masih Harus Dibayar 43.816 29.078 23.094 41,183 30.775 Accrued Expenses
Liabilitas Pajak Tangguhan – Bersih - - - - 123.277 Deferred Tax Liabilities - Net
Liabilitas Imbalan Kerja Long-Term Employee Benefits
35.426 36.141 27.840 29.288 13.032
Jangka Panjang Liability
Laporan Tahunan dan Keberlanjutan 2023
18 PT. Bank Sinarmas Tbk.
Page 21
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated
Keterangan 2023 2022 2021 2020 2019 Description
Obligasi Subordinasi – Bersih 496.512 495.521 - - - Subordinated Bonds - Net
Liabilitas Lain-Lain 393.854 209.291 311.579 201.475 94.290 Other liabilities
Jumlah Liabilitas 37.788.908 33.547.181 38.799.669 32.557.921 26.385.919 Total Liabilities
Dana Syirkah Temporer / Temporary Syirkah Funds
Simpanan 7.003.551 6.317.009 6.507.363 5.992.639 3.567.660 Deposits
Simpanan dari Bank Lain 15.769 201.403 5.533 4.641 531.514 Deposits from Other Banks
Jumlah Dana Syirkah Temporer 7.019.320 6.518.412 6.512.896 5.997.280 4.099.174 Total Temporary Syirkah Funds
Ekuitas / Equity
Modal Saham 1.971.616 1.971.616 1.746.180 1.746.180 1.698.180 Capital Stock
Tambahan Modal Disetor – Bersih 3.552.194 3.553.194 2.368.655 2.368.655 2.116.655 Additional Paid-In Capital - Net
Dana Setoran Modal - - 1.408.975 - - Advance for Shares Subscriptions
Komponen Ekuitas Lainnya 588.242 118.628 407.324 637.954 483.426 Other Equity Components
Saldo Laba Ditentukan
9.500 9.000 8.500 8.000 7.500 Appropriated Retained Earnings
Penggunaannya
Saldo Laba Tidak Ditentukan
1.705.216 1.633.570 1.419.782 1.296.055 1.768.702 Unappropriated Retained Earnings
Penggunaannya
Jumlah Ekuitas 7.826.768 7.285.008 7.359.416 6.056.844 6.074.463 Total Equity
Jumlah Liabilitas, Dana Syirkah Total Liabilities, Temporary
52.634.996 47.350.601 52.671.981 44.612.045 36.559.556
Temporer, dan Ekuitas Syirkah Funds, and Equity
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Statements of Profit or Loss and Other Comprehensive Income
Pendapatan Bunga 2.781.795 2.527.616 2.622.909 2.632.465 2.781.204 Interest Revenues
Pendapatan Syariah 734.016 770.841 695.070 667.796 579.656 Sharia Income
Beban Bunga (632.923) (566.923) (687.603) (905.187) (967.014) Interest Expenses
Beban Syariah (259.569) (198.887) (214.579) (206.870) (183.343) Sharia Expenses
Pendapatan Bunga dan Interest Revenues and
2.623.319 2.532.647 2.415.797 2.188.204 2.210.503
Bagi Hasil – Bersih Profit-Sharing Income - Net
Pendapatan Operasional Lainnya 926.065 760.183 924.999 1.687.729 2.026.280 Other Operating Revenues
Beban Operasional Lainnya (3.475.806) (3.015.619) (3.181.278) (3.759.333) (4.154.890) Other Operating Expenses
Laba Sebelum Pajak 73.578 277.211 159.518 116.600 81.893 Profit Before Tax
Manfaat (Beban) Pajak 2.218 (56.051) (31.770) 1.922 (75.141) Tax Benefit (Expense)
Laba Bersih 75.796 221.160 127.748 118.522 6.752 Profit for the Year
Penghasilan (Rugi) Komprehensif Other Comprehensive Income
465.964 (295.568) (234.151) 145.348 211.291
Lain (Loss)
Jumlah Penghasilan (Rugi) Total Other Comprehensive
541.760 (74.408) (106.403) 263.870 218.043
Komprehensif Lain Income (Loss)
Laba per Saham Dasar Basic Earnings per Share
3,84 11,22 6,50 6,80 0,43
(dalam Rupiah penuh) (in full Rupiah)
Laba (Rugi) Tahun Berjalan Profit (Loss) for the Year
Diatribusikan kepada Pemilik Attributable to Equity Holders of
75.796 221.160 127.748 118.522 6.752
Entitas Induk the Parent Entity
Diatribusikan kepada kepentingan Attributable to Equity Holders of
- - - - -
Non-Pengendali Non-Controlling Interests
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
19
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated
Keterangan 2023 2022 2021 2020 2019 Description
Laba (Rugi) Komprehensif Comprehensive Income (Loss)
Tahun Berjalan for the Current Year
Diatribusikan kepada Pemilik Attributable to Equity Holders of
541.760 (74.408) (106.403) 263.870 218.043
Entitas Induk the Parent Entity
Diatribusikan kepada Kepentingan Attributable to Equity Holders of
- - - - -
Non-Pengendali Non-Controlling Interests
Laporan Arus Kas Statements of Cash Flows
Arus Kas dari Aktivitas Operasi 4.628.695 (4.999.465) 7.837.071 2.116.579 (1.212.141) Cash Flow from Operating Activities
Arus Kas dari Aktivitas Investasi (188.267) (119.425) (114.928) (242.578) (239.975) Cash Flow from Investing Activities
Arus Kas dari Aktivitas Pendanaan (111.120) 397.299 1.329.009 203.099 1.000.000 Cash Flow from Financing Activities
Kenaikan (Penurunan) Bersih Kas Net Increase (Decrease) in Cash
4.329.308 (4.721.591) 9.051.152 2.077.100 (452.116)
dan Setara Kas and Cash Equivalents
Cash and Cash Equivalents at
Kas dan Setara Kas Awal Tahun 11.042.096 15.452.929 6.316.455 4.213.323 4.719.849
Beginning of the Year
Pengaruh Perubahan Kurs Mata Effect on Foreign Exchange
(40.234) 310.758 85.322 26.032 (54.410)
Uang Asing Rate Changes
Cash and Cash Equivalents at End
Kas dan Setara Kas Akhir Tahun 15.331.170 11.042.096 15.452.929 6.316.455 4.213.323
of the Year
Rasio Keuangan Penting Significant Financial Ratios
Permodalan / Capital (%)
Kewajiban Penyediaan Modal
25,34 29,49 29,12 17,29 17,32 Capital Adequacy Ratio (CAR)
Minimum (KPMM)
Aset Tetap terhadap Modal 34,31 34,30 35,65 39,71 36,61 Fixed Assets to Capital
Aset Produktif / Earning Assets (%)
Aset Produktif Bermasalah Non-Performing Earning Assets to
1,66 3,14 1,80 3,70 6,32
terhadap Jumlah Aset Produktif Total Earning Assets
Kredit Bermasalah – Gross 1,53 7,99 4,64 4,75 7,83 Non-Performing Loans - Gross
Kredit Bermasalah – Bersih 0,35 2,49 1,18 1,39 4,33 Non-Performing Loans - Net
Allowance for Impairment Losses
CKPN terhadap Aset Produktif 3,82 5,26 3,43 4,54 4,32
on Earning Asset
Pemenuhan CKPN 100,00 100,00 100,00 100,00 100,00 CKPN Fulfillment
Rentabilitas / Profitability (%)
Tingkat Pengembalian Aset 0,15 0,54 0,34 0,30 0,23 Return on Assets
Tingkat Pengembalian Ekuitas 1,07 3,27 2,02 2,25 0,14 Return on Equity
Margin Bunga Bersih 6,26 5,68 5,79 6,25 7,31 Net Interest Margin
Pendapatan Operasional Lainnya Other Operating Income to
26,09 23,09 27,69 43,54 47,83
terhadap Pendapatan Operasional Operating Income
Beban terhadap Pendapatan (CIR) 81,16 74,10 71,35 68,75 61,24 Cost of Income Ratio (CIR)
Biaya Operasional terhadap Operating Expenses to Operating
103,36 93,27 97,12 111,70 119,43
Pendapatan Operasional (BOPO) Income
Likuiditas / Liquidity (%)
Kredit terhadap Dana Masyarakat 40,94 41,07 41,22 56,97 81,95 Loan to Deposit Ratio
Current Account Savings Account
Rasio Dana Murah (CASA) 66,64 65,53 69,20 53,43 57,91
Ratio
Liabilitas terhadap Ekuitas 572,50 549,97 615,71 636,56 501,86 Debt to Equity
Liabilitas terhadap Aset 85,13 84,61 86,03 86,42 83,38 Debt to Assets
Kepatuhan / Compliance (%)
Pelanggaran BMPK Nil Nil Nil Nil Nil Legal Lending Limit Violation
Pihak Terkait Nil Nil Nil Nil Nil Related Parties
Pihak Tidak Terkait Nil Nil Nil Nil Nil Unrelated Parties
Laporan Tahunan dan Keberlanjutan 2023
20 PT. Bank Sinarmas Tbk.
Page 23
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Keterangan 2023 2022 2021 2020 2019 Description
Pelampauan BMPK Nil Nil Nil Nil Nil Legal Lending Limit Excess
Giro Wajib Minimum (GWM) – Minimum Statutory Reserves
15,22 10,01 5,30 4,34 6,62
Rupiah (GWM) – Rupiah
Giro Wajib Minimum (GWM) – Minimum Statutory Reserves
4,09 3,95 4,01 4,02 8,01
Valas (GWM) – Foreign Currency
Posisi Devisa Neto (PDN) 6,57 0,81 1,11 0,68 2,26 Net Open Position
Tagihan dan Liabilitas Derivatif Derivative Receivables and Liabilities
Tagihan Derivatif 27.502 6.772 109 706 252 Derivative Receivables
Liabilitas Derivatif 3.235 7.411 128 875 148 Derivative Liabilities
Kinerja Pembiayaan Kegiatan Usaha Berkelanjutan (KKUB)
Sustainable Business Activity Financing (KKUB) Performance
Satuan
Uraian 2023 2022 2021 2020 2019 Description
Unit
Portofolio Kategori • 2 Produk • 2 Produk • 2 Produk N/A N/A Portfolio of
Debitur yang Category Penghimpunan Penghimpunan Penghimpunan Debtors Meeting
Memenuhi Kriteria Dana; Dana; Dana; Sustainable
Kegiatan Usaha • Pembiayaan • 1 Proyek Pembiayaan • 1 Proyek Pembiayaan Business Activity
UMKM, termasuk UMKM; dan UMKM; dan
Berkelanjutan Criteria
Kredit Usaha • 1 Produk Kartu • 1 Proyek Pembiayaan
Rakyat (KUR); Kredit Virtual. Debitur di Sektor
• 1 Produk Kartu • 2 fundraising Energi Terbarukan.
Kredit Virtual; products; • 2 fundraising
• Pembiayaan • 1 MSME financing products;
Kendaraan project; and • 1 MSME financing
Bermotor Listrik; • 1 Virtual Credit Card project; and
dan product. • 1 debtor financing
• Pembiayaan project in the
Proyek Gedung renewable energy
Bersertifikasi Green sector.
Internasional.
• 2 Fund Collection
Products
• SME Financing,
including People's
Business Credit
(KUR);
• 1 Virtual Credit Card
Product;
• Electric Motor
Vehicle Financing;
and
• Funding for
International Green
Certified Building
Projects.
Jumlah Produk yang Memenuhi Kriteria Kegiatan Usaha Berkelanjutan / Total Produts Meeting the Sustainability Business Activity Criteria
Penghimpunan jutaan 2.112.628 1.187.866 1.832.520 646.493 947.164 Fundraising
Dana Rupiah
million Fund
Penyaluran Dana Rupiah 2.390.568 2.372.966 2.388.920 1.696.919 1.497.277
Distribution
% 13,82 14,93 13,01 8 7 Percentage of
Persentase Jumlah
Total Credit/
Kredit/Pembiayaan
Financing for
Kegiatan Usaha
Sustainable
Berkelanjutan
Business
terhadap Jumlah
Activities to
Kredit/Pembiayaan
Total Bank
Bank
Credit/Financing
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
21
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Kinerja Operasional
Operating Performance
dalam jutaan Rupiah / in millions of Rupiah
Uraian 2023 2022 2021 2020 2019 Description
Jenis Kredit Lending Products
Pinjaman Cicilan 4.427.012 5.919.302 6.219.020 8.393.218 9.245.784 Installment Loans
Pinjaman Tetap 3.868.400 2.646.804 2.922.920 3.224.091 4.652.917 Fixed Loans
Pinjaman Konsumsi 3.084.603 3.344.674 1.909.192 2.156.592 3.445.020 Consumer Loans
Piutang Syariah – Mudharabah 679.725 1.197.441 583.031 1.230.954 839.324 Sharia Receivables – Mudharabah
Piutang Syariah – Musyarakah 3.936.659 1.603.796 3.726.232 2.987.939 1.561.378 Sharia Receivables – Musyarakah
Pinjaman Anjak Piutang - - 1.207.885 1.143.735 1.236.478 Factoring
Piutang Syariah - Murabahah 377.007 281.690 809.950 678.633 1.085.950 Sharia Receivables - Mudharabah
Pinjaman Rekening Koran 218.699 226.657 271.743 325.350 168.333 Overdraft
Pinjaman Karyawan 105.246 81.994 87.911 73.987 74.272 Loans to Employee
Piutang Syariah - Ijarah 2.188 1.184 242 9.868 34.483 Sharia Receivables - Ijarah
Pinjaman Investasi - - - 937 - Investment Loans
Piutang Syariah - Qardh 171.907 197.422 193.650 251.988 153.313 Sharia Receivables - Qardh
Total 16.871.446 15.500.964 17.931.776 20.477.292 22.497.252 Total
Cadangan Kerugian Penurunan
(1.686.246) (2.121.125) (1.617.907) (1.598.919) (1.182.755) Allowance for Impairment Losses
Nilai
Total - Bersih 15.185.200 13.379.839 16.313.869 18.878.373 21.314.497 Total - Net
Produk Dana Pihak Ketiga Third Party Product
Giro 15.394.881 14.178.895 19.130.608 9.246.790 7.318.186 Demand Deposits
Tabungan 12.690.959 11.189.303 11.642.139 10.390.895 9.023.625 Savings
Deposito Berjangka 14.060.296 13.345.837 13.696.171 17.118.870 11.878.046 Time Deposits
Total 42.146.136 38.714.035 44.468.918 36.756.555 28.219.857 Total
Keberlanjutan Kinerja Sosial [POJK51-B.3]
Social Performance Sustainability
Satuan
Uraian 2023 2022 2021 2020 2019 Description
Unit
Kegiatan Tanggung Jawab Sosial Social Responsibility Activities
2.482.888.766 2.171.537.156
(Konvensional/ (Konvensional/ Realization of
Realisasi TJSL Sosial
Rupiah Conventional) Conventional) 1.339.832.488 1.468.190.746 1.623.708.362 Community and
Kemasyarakatan
331.500.000 223.556.000 Social CSER
(UUS) (UUS)
157.290.000 190.996.800
(Konvensional/ (Konvensional/
Realisasi TJSL Realization CSER in
Rupiah Conventional) Conventional) 65.275.000 96.000.000 49.000.000
Pendidikan Education
21.528.780 20.535.000
(UUS) (UUS)
Pengelolaan Karyawan Employee Management
Orang
Jumlah Karyawan 7.231 7.147 6.923 6.957 6.991 Total Employee
Person
Employee
Komposisi Karyawan
Composition
Pria % 60,25 59,97 59,34 58,73 57,63 Male
Wanita % 39,75 40,03 40,66 41,26 42,37 Female
Tingkat Perputaran Employee Turnover
% 8,69 *)
18,26 *)
15,90*)
21,59 27,88
Karyawan Rate
Penerapan K3 Rupiah - - 6.000.000 90.250.000 15.000.000 OHS Implementation
*)
Turn over regretted employee.
Laporan Tahunan dan Keberlanjutan 2023
22 PT. Bank Sinarmas Tbk.
Page 25
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Keberlanjutan Kinerja Lingkungan Hidup [POJK51-B.2]
Environmental Performance Sustainability
Satuan
Uraian 2023 2022 2021 2020 2019 Description
Unit
Kegiatan Tanggung Jawab Lingkungan Environmental Responsibility Activities
Realization of CSER
Realisasi TJSL
Rupiah 303.387.000 297.135.000 165.390.000 218.000.000 50.000.000 in Environmental
Lingkungan Hidup
Aspects
Kinerja Internal Internal Performance
Penggunaan Energi / Energy Usage
GJ 531,32 706,61 909,53 1.072,31 1.199,12
Listrik jutaan Electricity
million 2.951 3.925 5.052 2.458 2.079
Rupiah
jutaan
Air million 40 26 21 34 33 Water
Rupiah
jutaan
Penggunaan BBM million 354 156 310 457 339 Fuel Consumption
Rupiah
Limbah Kertas Ton 3,75 1,71 1,79 2,48 3,28 Paper Waste
Kantor Cabang yang Branch Offices that
Kantor
Mendukung Green 2 4 4 2 N/A Support Green
Office
Office Office
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
23
Page 26
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Ikhtisar Saham
Stock Highlights
“Bank Sinarmas telah mencatat dan memperdagangkan saham di Bursa Efek Indonesia
sejak 13 Desember 2010 dengan kode saham BSIM. Per 31 Desember 2023, harga
penutupan BSIM berada pada leval Rp890 per lembar saham”
“Bank Sinarmas has listed and traded its shares on Indonesia Stock Exchange
since December 13, 2010, with the stock code BSIM. On December 31, 2023, the closing
price of BSIM stood at Rp890 per share”
Perkembangan Kinerja Saham Triwulanan (2022-2023)
Quarterly Stock Performance Development (2022-2023)
Harga Harga Harga Jumlah Saham Kapitalisasi Pasar
Volume
Periode Tertinggi Terendah Penutupan Beredar Market
Perdagangan
Period Highest Price Lowest Price Closing Price Total Outstanding Capitalization
Trading Volume
(Rp) (Rp) (Rp) Shares (Rp)
2023
Triwulan I / First Quarter 905 800 890 10.400 19.517.921.842 17.370.950.439.380
Triwulan II / Second Quarter 900 840 890 23.600 19.517.921.842 17.370.950.439.380
Triwulan III / Third Quarter 1.050 800 890 24.100 19.517.921.842 17.370.950.439.380
Triwulan IV / Fourth Quarter 890 755 890 2.000 19.517.921.842 17.370.950.439.380
2022
Triwulan I / First Quarter 920 585 660 137.900 19.517.921.842 12.881.828.415.720
Triwulan II / Second Quarter 660 550 570 21.300 19.517.921.842 11.125.215.449.940
Triwulan III / Third Quarter 765 555 635 302.800 19.517.921.842 12.393.880.369.670
Triwulan IV / Fourth Quarter 900 595 845 7.200 19.517.921.842 16.492.643.956.490
Pergerakan Harga Saham
Stock Price Movement
Volume Perdagangan Harga Penutupan (Rp)
Trading Volume Closing Price (Rp)
350.000 1.000
900
300.000
800
250.000 700
600
200.000
500
150.000
400
100.000 300
200
50.000
100
- -
Triwulan I Triwulan II Triwulan III Triwulan IV Triwulan I Triwulan II Triwulan III Triwulan IV
First Quarter Second Quarter Third Quarter Fourth Quarter First Quarter Second Quarter Third Quarter Fourth Quarter
2022 2023
Volume Perdagangan Harga Penutupan (Rp)
Trading Volume Closing Price (Rp)
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Aksi Korporasi Corporate Action
Pada tahun 2023, Bank Sinarmas tidak melakukan aksi korporasi, In 2023, Bank Sinarmas did not conduct any corporate actions,
baik dalam bentuk pemecahan saham, penggabungan saham, whether in the form of stock splits, reverse stock, stock
dividen saham, pembagian saham bonus, maupun perubahan dividends, bonus share distributions, or changes in the nominal
nilai nominal saham. value of shares.
Penghentian Sementara Perdagangan Suspension or Delisting
Selama tahun 2023, Bank Sinarmas tidak menerima sanksi dari In 2023, Bank Sinarmas did not receive any sanctions from
Bursa Efek Indonesia, baik berupa penghentian sementara Indonesia Stock Exchange, whether in the form of temporary
perdagangan saham (suspension) dan/atau pembatalan suspension of stock trading (suspension) and/or cancellation of
pencatatan saham (delisting). stock listing (delisting).
Ikhtisar Obligasi/Sukuk
Bonds/Sukuk Highlights
Bank Sinarmas menerbitkan dan memperdagangkan surat utang Bank Sinarmas issues and trades bonds on Indonesia Stock
Obligasi di Bursa Efek Indonesia. Adapun daftar obligasi yang Exchange. The list of outstanding bonds to date is as follows.
masih beredar sampai saat ini, diungkapkan sebagai berikut.
Tanggal Tingkat Tanggal Lembaga Bursa Saham
Nama Obligasi Nilai Penawaran Peringkat
Penerbitan Bunga Jatuh Tempo Pemeringkat Stock
Name of Bonds Offering Value Rating
Issuance Date Interest Rate Maturity Date Rating Agency Exchange
Obligasi 29 Juni 2022 500.000.000.000 6,50% 8 Juli 2027 Ir A PT Kredit Rating Bursa Efek
Subordinasi June 29, 2022 July 8, 2027 (Single A) Indonesia Indonesia
Berkelanjutan I Indonesia Stock
Bank Sinarmas Exchange
Tahap I Tahun
2022
Bank Sinarmas
Subordinated
Bonds I Phase I
Year 2022
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Peristiwa Penting 2023
2023 Significant Events
27 Juni 2023 / June 27, 2023 1 Agustus 2023 / August 1, 2023
Penyelenggaraan Rapat Umum Pemegang Saham (RUPS) Peresmian Co-Working Bank Sinarmas Lavenue, Jakarta.
Tahunan.
Inauguration of Co-Working Bank Sinarmas Lavenue, Jakarta.
Holding the Annual General Meeting of Shareholders (GMS).
8 Agustus 2023 / August 8, 2023 15 Agustus 2023 / August 15, 2023
Kerja sama pembukaan rekening Tabungan Simpel antara Peresmian Co-Working Green Office Park 1 dan Media
Bank Sinarmas dengan Sekolah Pelita Fajar Bandung dalam Conference.
rangka dukungan Program Satu Rekening Satu Pelajar (KEJAR)
Inauguration of Co-Working Green Office Park 1 and Media
Otoritas Jasa Keuangan 2023.
Conference.
Collaboration in opening Simpel Savings accounts between
Bank Sinarmas and Pelita Fajar Bandung School in support of
Financial Services Authority’s 2023 One Student One Account
(KEJAR) Program.
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29 Agustus 2023 / August 29, 2023 6 September 2023 / September 6, 2023
Penandatanganan kerja sama antara Bank Sinarmas dengan Penyaluran Pembiayaan Kredit Usaha Rakyat (KUR)
PT POS Indonesia. Syariah Bank Sinarmas Unit Usaha Syariah (UUS) dengan
PT POS Indonesia.
Signing of cooperation between Bank Sinarmas and
PT POS Indonesia. Distribution of Shariah People’s Business Credit (KUR)
Financing by Bank Sinarmas Sharia Business Unit (UUS) in
collaboration with PT POS Indonesia.
15 September 2023 / September 15, 2023 15 September 2023 / September 15, 2023
Penandatanganan Kerja Sama dan Program Edukasi Literasi Kerja Sama Agen Laku Pandai dan Program Edukasi Literasi
Keuangan: Pembukaan Rekening Tabungan Simpel antara Keuangan: Kolaborasi antara Bapak I Wayan Kerta dan Bank
Bank Sinarmas dan SD Negeri 1 Taro dan SD Hindu Adi Widya Sinarmas.
Pasraman.
‘Laku Pandai’ Collaboration and Financial Literacy Education
Signing of Cooperation Agreement and Financial Literacy Program: Collaboration between Mr. I Wayan Kerta and Bank
Education Program: Opening of Simpel Savings Account Sinarmas.
between Bank Sinarmas and SD Negeri 1 Taro and SD Hindu
Adi Widya Pasraman.
12 Desember 2023 / December 12, 2023 18 Desember 2023 / December 18, 2023
Peluncuran Bank Sinarmas Prioritas. Pelaksanaan Public Expose.
Launch of Bank Sinarmas Prioritas. Organizing Public Expose.
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Penghargaan dan Sertifikasi
Award and Certifications
Penghargaan
Awards
17 Februari / February 2023
3rd Indonesia Syariah Awards 2023 - Syariah Insight 2023
Top Sharia Business Unit - KBMI 2 Category
Penyelenggara / Organizer
Iconomics
13 Maret / March 2023
LinkedIn Talent Award 2022
Best Talent Acquisition Team between 1,000 and 5,000 Employee Category
Penyelenggara / Organizer
LinkedIn
27 Juni / June 2023
4th Indonesia Top Bank Awards 2023
KBMI 2 Category
Penyelenggara / Organizer
Iconomics
25 Juli / July 2023
Indonesia Digital Customer Engagement Champion 2023
Kategori Jasa Keuangan Bank, Predikat Very Good
Bank Financial Services Category with ‘Excellent’ Predicate
Penyelenggara / Organizer
SWA
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28 Juli / July 2023
Indonesia Best Bank Award 2023
The Financial Service Solutions that Meet Customer Needs
Kategori KBMI 2
Penyelenggara / Organizer
Warta Ekonomi
15 Agustus / August 2023
Best Bank Performance of MSMEs Loans Award 2023
Bank Berpredikat “Sangat Prima” - Kategori Modal Inti Rp6 Triliun sampai dengan di bawah
Rp14 Triliun (KBMI 2) Aset di bawah Rp50 Triliun / Bank with “Very Excellent” Predicate –
Category of Core Capital Rp6 Trillion to under Rp14 Trillion (KBMI 2) and Assets under Rp50 Trillion
Penyelenggara / Organizer
Peluang
25 Agustus / August 2023
Human Resources Excellence Awards 2023
Excellence in Graduate Recruitment and Development - Silver
Penyelenggara / Organizer
HumanResources
27 September / September 2023
Excellence Financial Performance
Islamic Banking Unit of Commercial Banking in 2022
(Asset Class Rp5 Trillion - <Rp10 Trillion)
Penyelenggara / Organizer
Infobank
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27 September / September 2023
12th Sharia Award 2023
Excellence Financial Performance Sharia Business Unit of
Conventional Bank in 5 Consecutive Years (2018-2022)
Penyelenggara / Organizer
Infobank
27 September / September 2023
12th Sharia Award 2023
The Best Asset Quality Islamic Banking Unit of Commercial Banking
Penyelenggara / Organizer
Infobank
Sertifikasi
Certification
ISO 27001: Sistem Manajemen Keamanan Informasi pada Layanan Mobile
Banking Simobiplus*), Internet Banking (Personal & Corporate)*), Pega System
CS*), & Pega Loan Origination System (LOS)*) / ISO 27001: Information Security
Management System for Mobile Banking Service Simobiplus*) ,
Internet Banking (Personal & Corporate)*) , Pega System CS*) , & Pega Loan
Origination System (LOS)*)
Penyelenggara / Organizer : Bureau Veritas
Masa Berlaku / Validity Period : 12 Maret / March 2023-11 Maret / March 2026
*)
Konvensional dan Syariah / Conventional and Sharia
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02
LAPORAN
MANAJEMEN
Management Report
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Laporan Dewan Komisaris
Board of Commissioners’
Report
Tjendrawati Widjaja
Komisaris Utama
President Commissioner
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Pemegang Saham dan Pemangku Kepentingan yang Dear Distinguished Shareholders and Stakeholders,
Terhormat,
Puji dan syukur sepatutnya kita panjatkan kepada Tuhan Let us send praise and gratitude to the Almighty who has
Yang Maha Kuasa, yang telah melimpahkan rahmat dan bestowed His grace and favor so that Bank Sinarmas could pass
perkenanan-Nya sehingga Bank Sinarmas dapat melalui tahun the year 2023 successfully. Despite facing new dynamics emerging
2023 dengan baik. Meskipun dihadapkan pada dinamika baru in the global market, Bank Sinarmas managed to maintain stability
yang muncul di pasar global, Bank Sinarmas mampu menjaga and operational continuity. Strong support from all stakeholders,
stabilitas dan kesinambungan operasional. Dukungan yang kuat including Shareholders, the Board of Directors, employees,
dari seluruh pemangku kepentingan, termasuk Pemegang Saham, customers, and business partners, played a crucial role in this
Direksi, karyawan, nasabah, dan mitra bisnis, turut berperan success. This achievement is inseparable from Bank Sinarmas’s
penting dalam kesuksesan ini. Keberhasilan ini tidak terlepas commitment to good corporate governance, based on prudence
dari komitmen Bank Sinarmas dalam menjalankan tata kelola and sustainability principles, as well as continuous efforts to
perusahaan yang baik, berlandaskan pada prinsip-prinsip kehati- improve customer service and make positive contributions to
hatian dan keberlanjutan, serta upaya terus-menerus dalam society and the environment.
meningkatkan pelayanan kepada nasabah dan memberikan
kontribusi positif bagi masyarakat dan lingkungan.
Penilaian atas Kinerja Direksi terkait Assessment of the Board of Directors’
Pengelolaan Bank Performance regarding the Management of the
Bank
Dewan Komisaris menilai bahwa Direksi Bank Sinarmas telah The Board of Commissioners evaluates that the Board of Directors
menunjukkan komitmen yang kuat dalam mengelola perusahaan of Bank Sinarmas has demonstrated strong commitment in
dengan baik, terutama dalam menghadapi dinamika ekonomi managing the Company well, especially in facing uncertain
global yang tidak pasti. Melalui strategi yang tepat, Bank berhasil global economic dynamics. Through appropriate strategies, the
mencapai pertumbuhan bisnis yang mengesankan, antara Bank achieved impressive business growth, including an increase
lain kredit dan penghimpunan dana masyarakat meningkat in credit and community fund collection by 8.54% and 8.87%,
masing-masing sebesar 8,54% dan 8,87%. Keberhasilan ini respectively. This success influenced a 3.58% increase in net
mempengaruhi peningkatan pendapatan bunga bersih dan interest income and a 7.79% increase in other operating income.
pendapatan operasional lainnya sebesar 3,58% dan 7,79%.
Selain fokus pada pertumbuhan bisnis, Direksi juga menunjukkan In addition to focusing on business growth, the Board of Directors
tanggung jawab sosial dan lingkungan yang tinggi. Bank also demonstrates a high level of social and environmental
Sinarmas secara konsisten menerapkan praktik hemat energi dan responsibility. Bank Sinarmas consistently implements energy-
berkomitmen pada pengembangan masyarakat melalui program saving practices and is committed to community development
CSR di berbagai bidang, seperti perbaikan sarana dan prasarana through CSR programs in various fields, such as improving social
sosial, program donasi untuk masyarakat termasuk korban infrastructure, donation programs for communities including
bencana, CSR di bidang keagamaan, pendidikan, kesehatan, serta disaster victims, CSR in religious, education, health sectors, as
kegiatan literasi dan inklusi keuangan. Selain itu, Bank melakukan well as financial literacy and inclusion activities. Furthermore, the
pengembangan produk pembiayaan kendaraan listrik melalui Bank’s development of electric vehicle financing products through
mitra kerja sama dengan perusahaan pembiayaan juga menjadi partnerships with financing companies is also a strategic step in
langkah strategis dalam mendukung pertumbuhan bisnis Bank supporting Bank Sinarmas’s business growth. This step aligns with
Sinarmas. Langkah ini sejalan dengan visi perusahaan untuk the company’s vision to become a bank that not only succeeds
menjadi bank yang tidak hanya sukses secara finansial, tetapi juga financially but also has a positive impact on society and the
memberikan dampak positif bagi masyarakat dan lingkungan environment.
sekitar.
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Pengawasan Dewan Komisaris dalam Board of Commissioners’ Supervision
Perumusan dan Implementasi Strategi Bank of the Bank’s Strategy Formulation and
Implementation
Dewan Komisaris Bank Sinarmas memiliki peran yang penting The Board of Commissioners of Bank Sinarmas plays a crucial role
dalam pengawasan dan pembinaan terhadap perumusan serta in overseeing and guiding the formulation and implementation of
implementasi strategi Bank. Melalui pengawasan yang cermat, the Bank’s strategies. Through meticulous supervision, the Board
Dewan Komisaris memastikan bahwa strategi yang dirumuskan of Commissioners ensures that the strategies formulated by the
oleh Direksi selaras dengan visi dan misi Bank, serta dapat Board of Directors are aligned with the Bank’s vision and mission
menghadapi tantangan dan peluang yang ada di lingkungan bisnis and are capable of addressing the challenges and opportunities
saat ini. Dewan Komisaris juga memastikan bahwa strategi yang in current business environment. The Board of Commissioners
dijalankan oleh Bank telah mempertimbangkan prinsip kehati- also ensures that the strategies implemented by the Bank have
hatian dan berkelanjutan, sehingga dapat memberikan manfaat considered prudential and sustainable principles, thus providing
jangka panjang bagi Bank dan para pemangku kepentingan. long-term benefits for the Bank and its stakeholders. Furthermore,
Selain itu, Dewan Komisaris juga melakukan evaluasi terhadap the Board of Commissioners evaluates the implementation of
implementasi strategi yang telah ditetapkan, untuk memastikan the established strategies to ensure that they can be executed
bahwa strategi tersebut dapat dijalankan dengan efektif dan effectively and efficiently, as well as delivering expected results.
efisien, serta memberikan hasil yang sesuai dengan harapan.
Dewan Komisaris juga melakukan pengawasan terhadap berbagai The Board of Commissioners also oversees various activities
kegiatan Bank yang berkaitan dengan pengelolaan risiko, baik of the Bank related to risk management, both financial and
risiko keuangan maupun risiko non-keuangan. Hal ini dilakukan non-financial risks. This is done to ensure that the Bank can
untuk memastikan bahwa Bank dapat mengelola risiko dengan manage risks effectively, thereby achieving its business objectives
baik, sehingga dapat mencapai tujuan bisnis secara optimal. optimally. In supervising the implementation of strategies, the
Dalam mengawasi implementasi strategi, Dewan Komisaris juga Board of Commissioners also plays a role in ensuring that the Bank
berperan dalam memastikan bahwa Bank menjalankan kegiatan conducts its business activities in accordance with the principles of
bisnis sesuai dengan prinsip tata kelola perusahaan yang baik dan good and sustainable corporate governance so that the Bank can
berkelanjutan, sehingga dapat memperoleh kepercayaan dari gain trust from stakeholders.
para pemangku kepentingan.
Frekuensi dan Cara Pemberian Nasihat kepada Frequency and Procedures for Providing Advice
Direksi to the Board of Directors
Selama tahun 2023, Dewan Komisaris telah melaksanakan Throughout 2023, the Board of Commissioners organized a total
rapat gabungan bersama Direksi sebanyak 9 kali. Rapat-rapat of 9 joint meetings with the Board of Directors. These meetings
ini merupakan wadah penting bagi Dewan Komisaris untuk served as important platforms for the Board of Commissioners to
memberikan nasihat dan arahan kepada Direksi terkait berbagai provide advice and guidance to the Board of Directors on various
kebijakan dan strategi perusahaan. Dalam rapat-rapat tersebut, corporate policies and strategies. In these meetings, the Board
Dewan Komisaris secara aktif memberikan masukan dan evaluasi of Commissioners actively provided feedback and evaluations on
terhadap kinerja Direksi, serta memberikan pandangan terkait the Board of Directors’ performance, as well as offered insights
dengan situasi ekonomi dan industri perbankan yang relevan. into relevant economic and banking industry situations. Through
Melalui frekuensi pelaksanaan yang memadai dan komunikasi adequate frequency of meetings and open communication, the
yang terbuka, Dewan Komisaris dapat memastikan bahwa Board of Commissioners ensured that the policies implemented
kebijakan-kebijakan yang diambil oleh Direksi selaras dengan visi by the Board of Directors are aligned with Bank Sinarmas’ vision
dan misi Bank Sinarmas, serta dapat mendukung pertumbuhan and mission and supported the Company’s business growth and
dan kelangsungan bisnis perusahaan. sustainability.
Pandangan atas Prospek Usaha Views of Business Outlook
Direksi Bank Sinarmas dengan cermat menyusun pandangan atas Bank Sinarmas’ Board of Directors meticulously formulates views
prospek usaha yang mencerminkan keyakinan akan pertumbuhan on business outlook reflecting confidence in positive growth in
positif di tahun mendatang. Direksi optimis bahwa perekonomian the upcoming year. The Board of Directors is optimistic that the
nasional akan terus tumbuh, mendorong pemilik bisnis untuk national economy will continue to grow, encouraging business
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melakukan ekspansi usaha, serta meningkatkan permintaan owners to expand their operations and increasing demand for
akan pembiayaan dari sektor UMKM, khususnya KUR. Proyeksi financing from MSME sector, especially KUR. The projected credit
pertumbuhan kredit yang berada pada kisaran 11%-15% growth of 11% to 15% from the previous year reflects the Board
dari tahun sebelumnya mencerminkan keyakinan Direksi akan of Directors’ confidence in the Bank’s ability to seize opportunities
kemampuan Bank untuk menangkap peluang di tengah perbaikan amid the national economic recovery. Furthermore, the focus on
ekonomi nasional. Selain itu, fokus pada pengembangan product and service development, including the enhancement
produk dan layanan, termasuk meningkatkan pembiayaan of electric vehicle financing initiated in 2023, demonstrates the
kendaraan listrik yang dimulai pada tahun 2023, menunjukkan Board of Directors’ commitment to continuous innovation and
komitmen Direksi untuk terus berinovasi dan beradaptasi dengan adaptation to dynamic market developments.
perkembangan pasar yang dinamis.
Dewan Komisaris juga menyoroti upaya Direksi dalam The Board of Commissioners also highlights the Board of
meningkatkan literasi dan inklusi keuangan kepada masyarakat, Directors’ efforts in enhancing financial literacy and inclusion
yang diharapkan dapat mendukung pertumbuhan sektor keuangan among the public, which is expected to support the overall growth
secara keseluruhan. Dengan memperhatikan prinsip-prinsip of the financial sector. Considering the prudential and sustainable
kehati-hatian dan berkelanjutan yang senantiasa diterapkan oleh principles consistently applied by the Board of Directors, the
Direksi, Dewan Komisaris meyakini bahwa Bank Sinarmas dapat Board of Commissioners believes that Bank Sinarmas can
menghadapi berbagai tantangan di tahun mendatang dengan effectively address various challenges in the upcoming year. The
baik. Penerapan praktik-praktik hemat energi dan peningkatan implementation of energy-saving practices and the enhancement
dalam tanggung jawab sosial dan lingkungan juga telah menjadi of social and environmental responsibilities have also become
bagian integral dari visi Direksi dalam menjadikan Bank Sinarmas integral parts of the Board’s vision in making Bank Sinarmas a
sebagai pemimpin yang bertanggung jawab dan berkelanjutan responsible and sustainable leader in the banking industry.
dalam industri perbankan.
Pandangan atas Implementasi Tata Kelola Views on the Implementation of Good
Perusahaan yang Baik Corporate Governance
Dalam menjalankan tugas pengawasan terhadap penerapan In carrying out its supervisory duties regarding the implementation
tata kelola perusahaan yang baik (GCG) di lingkungan Bank of good corporate governance (GCG) within Bank Sinarmas
Sinarmas, Dewan Komisaris melakukan evaluasi dan penilaian environment, the Board of Commissioners conducts periodic
terhadap beberapa indikator secara berkala. Indikator penilaian evaluations and assessments of several indicators. The main
yang utama mencakup berbagai aspek, seperti kepatuhan assessment indicators consist of various aspects, such as
terhadap peraturan dan perundang-undangan yang berlaku, compliance with applicable laws and regulations, transparency
transparansi dalam pengambilan keputusan, akuntabilitas dari in decision-making, accountability of governance organs, and
organ tata kelola, serta ketaatan terhadap prinsip-prinsip etika adherence to principles of ethics and integrity. The Board of
dan integritas. Dewan Komisaris juga memeriksa dan menilai Commissioners also examines and evaluates the organizational
struktur organisasi, sistem pengendalian internal dan manajemen structure, internal control systems, and risk management, as well
risiko, serta keberlanjutan dari program peningkatan kualitas as the sustainability of the GCG quality improvement programs
GCG yang ditetapkan dalam roadmap tata kelola Bank. Sebagai established in the Bank’s governance roadmap. As an integral
bagian yang tidak terpisahkan dari fungsi pengawasan tersebut, part of this supervisory function, the Board of Commissioners also
Dewan Komisaris juga memberikan nasihat dan rekomendasi provides constructive advice and recommendations to enhance
yang konstruktif guna meningkatkan efektivitas dan efisiensi the effectiveness and efficiency of GCG implementation in Bank
pelaksanaan GCG di Bank Sinarmas melalui rapat gabungan Sinarmas through periodic joint meetings with the Board of
dengan Direksi yang dilaksanakan secara berkala. Semua upaya Directors. All these efforts support the achievement of the Bank’s
tersebut mendukung pencapaian hasil self-assessment GCG Bank self-assessment results in GCG, which can be maintained in the
yang dapat dipertahankan pada kategori “Baik”. “Good” category.
Pandangan atas Penerapan Tanggung Jawab Views on the Implementation of Social and
Sosial dan Lingkungan Environmental Responsibility
Sebagai bagian dari implementasi GCG dan pengelolaan usaha As part of the implementation of GCG and sustainable business
dengan orientasi keberlanjutan, Bank Sinarmas menguatkan management orientation, Bank Sinarmas strengthens the
pengelolaan aspek sosial dan lingkungan secara terintegrasi integrated management of social and environmental aspects
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dengan pengelolaan aspek ekonomi, sehingga operasi Bank tidak with economic aspects, and therefore, the Bank’s operations are
sekedar bisnis pada umumnya. Penguatan fungsi dan kompetensi not just ordinary business. We consider the strengthening of the
para penanggung jawab penerapan keuangan berkelanjutan kami functions and competencies of those responsible for sustainable
pandang sangat baik dan penting adanya guna mengoptimalkan finance implementation to be very good and important in order
pencapaian Rencana Aksi Keuangan Berkelanjutan (RAKB), to optimize the achievement of Sustainable Finance Action Plan
terutama dalam hal pembiayaan kegiatan usaha berkelanjutan. (RAKB), especially in terms of financing sustainable business
Kami mengapresiasi alokasi pembiayaan yang semakin besar setiap activities. We appreciate the increasing allocation of financing
tahunnya serta terus mendukung peningkatan dan efektivitas every year and continue to support its improvement and
pelaksanaannya guna mendorong pertumbuhan ekonomi yang effectiveness to boost quality economic growth.
berkualitas.
Perubahan Komposisi Dewan Komisaris Changes in the Board of Commissioners’
Composition
Pada tahun 2023, susunan anggota Dewan Komisaris Bank In 2023, the Board of Commissioners’ composition of Bank
Sinarmas tidak mengalami perubahan, sehingga rincian Sinarmas remained unchanged. The details of the composition as
keanggotaan per 31 Desember 2023 meliputi: of December 31, 2023, are as follows:
Nama Jabatan
Name Position
Komisaris Utama
Tjendrawati Widjaja
President Commissioner
Komisaris Independen
Sammy Kristamuljana
Independent Commissioner
Komisaris Independen
Rusmin
Independent Commissioner
Seluruh anggota Dewan Komisaris merupakan pribadi yang All members of the Board of Commissioners are individuals who
bertanggung jawab serta memiliki kapabilitas dan keahlian yang are responsible and possess the capabilities and expertise required
sesuai untuk menjalankan peran secara efektif. to fulfill their roles effectively.
Apresiasi Appreciation
Mengakhiri Laporan Dewan Komisaris ini, kami ingin To close this Board of Commissioners’ Report, we would like
menyampaikan apresiasi yang tulus kepada Direksi, karyawan, to express our sincere appreciation to the Board of Directors,
Pemegang Saham, dan seluruh pemangku kepentingan Bank employees, Shareholders, and all stakeholders of Bank Sinarmas
Sinarmas atas dedikasi, kerja sama, dan kontribusi yang diberikan for their dedication, cooperation, and contributions, which
sehingga tahun 2023 yang penuh tantangan dapat dilewati enabled us to navigate through the challenging year of 2023
dengan sangat baik. Dukungan dan kepercayaan dari seluruh successfully. The support and trust from all parties have been
pihak sangat berarti bagi kesuksesan Bank Sinarmas. Kami pun invaluable to Bank Sinarmas’ success. We hope that this mutual
berharap agar simbiosis mutualisme ini dapat terus terjalin, symbiosis can continue and grow even stronger, leading to solid,
bahkan semakin kuat, guna menghasilkan pertumbuhan yang inclusive, and sustainable growth in the future.
solid, inklusif, dan berkelanjutan di masa-masa yang akan datang.
Atas nama Dewan Komisaris,
On behalf of the Board of Commissioners,
Tjendrawati Widjaja
Komisaris Utama
President Commissioner
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DEWAN KOMISARIS
Board of Commissioners
Sammy Kristamuljana Tjendrawati Widjaja Rusmin
Komisaris Independen Komisaris Utama Komisaris Independen
Independent Commissioner President Commissioner Independent Commissioner
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Laporan Direksi [POJK51-D.1]
Board of Directors’
Report
Frenky Tirtowijoyo
Direktur Utama
President Director
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Pemegang Saham dan Pemangku Kepentingan yang Dear Distinguished Shareholders and Stakeholders,
Terhormat,
Segenap jajaran Direksi Bank Sinarmas merasa bersukacita atas The entire Board of Directors of Bank Sinarmas rejoices in the
keberhasilan Bank melewati tahun 2023 dengan mencatatkan success of the Bank in navigating through 2023, marked by
kinerja usaha yang baik. Bank Sinarmas telah menunjukkan excellent business performance. Bank Sinarmas has demonstrated a
komitmen yang kuat dalam menghadapi dinamika ekonomi strong commitment in facing the continuously changing economic
yang terus berubah serta dalam memberikan nilai tambah bagi dynamics and in delivering added value to all stakeholders.
seluruh pemangku kepentingan. Dalam setiap langkah, Bank At every step, Bank Sinarmas constantly adheres to the principles
Sinarmas senantiasa berpegang teguh pada prinsip-prinsip tata of good and sustainable corporate governance, making business
kelola perusahaan yang baik dan berkelanjutan yang menjadikan sustainability and best customer service the primary focus. This
keberlanjutan bisnis dan pelayanan terbaik kepada nasabah serves as the highlight of our performance, which we will present
sebagai fokus utama. Hal ini menjadi highlight kinerja yang akan through this Board of Director’s Report, accompanied by various
kami sampaikan melalui Laporan Direksi ini, dengan disertai strategic initiatives and the Bank’s responses to the dynamics as a
berbagai langkah strategis dan respons Bank terkait dinamika legitimate accountability to the stakeholders.
yang terjadi sebagai bentuk pertanggungjawaban yang sah
kepada para pemangku kepentingan.
Perkembangan Kondisi Ekonomi dan Industri Development of Economic and Industrial
Condition
Perubahan dinamika ekonomi global pada tahun 2023 berlangsung In 2023, global economic dynamics changed rapidly and full of
cepat dan penuh ketidakpastian. Meskipun permintaan, terutama uncertainty. Despite the increase in demand, especially in the
di sektor jasa, meningkat setelah pemulihan mobilitas pasca service sector, following the post-Covid-19 mobility recovery,
pandemi Covid-19, penawaran masih terbatas akibat pembatasan supply remained limited due to immigration restrictions in some
imigrasi di beberapa negara maju. Fragmentasi geopolitik developed countries. Economic geopolitical fragmentation also
ekonomi turut memperlambat pemulihan ekonomi global dengan slowed down the global economic recovery, with a total realized
total realisasi pertumbuhan sebesar 3,0%, lebih rendah dari tahun growth of 3.0%, lower than 3.5% in 2022. IMF forecasts global
2022 sebesar 3,5%. IMF memperkirakan pertumbuhan ekonomi economic growth to reach 3.2% in 2024, the same as in 2023.
global akan tumbuh sebesar 3,2% pada tahun 2024. Angka ini This projection is up by 0.1% from the previous estimate in
sama dengan tahun 2023. Proyeksi tersebut naik 0,1% dibanding January 2024. Meanwhile, inflation has started to ease but
perkirakan sebelumnya pada Januari 2024. Sementara itu, inflasi remains above the central bank targets due to high global energy
mulai melandai namun masih di atas sasaran bank sentral akibat and food prices, as well as tight labor markets in various countries.
harga energi dan pangan dunia yang tinggi, serta ketatnya This has prompted tight and prolonged monetary policies (higher
pasar tenaga kerja di berbagai negara. Hal ini memicu kebijakan for longer) from central banks, leading to the strengthening of US
moneter yang ketat dan berlangsung lama (higher for longer) dari Dollar, ultimately exerting pressure on Rupiah. Rupiah exchange
bank sentral dan membuat Dolar Amerika Serikat menguat yang rate at the end of the first quarter of 2024 recorded a depreciation
pada akhirnya menyebabkan tekanan kepada Rupiah. Nilai tukar of 2.97% (point to point) compared to the end of 2023.
Rupiah pada akhir kuartal I 2024 tercatat melemah 2,97% (point
to point) dibandingkan dengan akhir tahun 2023.
Di sisi lain, Indonesia berhasil menjaga stabilitas makroekonomi On the other hand, Indonesia successfully maintained
dan sistem keuangan di tengah ketidakpastian global. Inflasi yang macroeconomic stability and financial system amidst global
terkendali di level 2,61% dan pertumbuhan ekonomi nasional uncertainty. Controlled inflation at the level of 2.61% and
sebesar 5,05% pada tahun 2023 menunjukkan kinerja ekonomi national economic growth of 5.05% in 2023 demonstrating
yang baik. Pertumbuhan ini didorong oleh permintaan domestik, strong economic performance. This growth has been driven by
penyelenggaraan Pemilu, pembangunan Ibu Kota Nusantara (IKN), domestic demand, the conduct of elections, the development of
pertumbuhan kredit yang meningkat, dan indikator Purchasing the Nusantara Capital City (IKN), increasing credit growth, and
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Manager’s Index yang ekspansif selama 28 bulan terakhir. Daya an expansive Purchasing Manager's Index indicator over the past
saing ekonomi Indonesia juga meningkat, dengan laporan 28 months. Indonesia’s economic competitiveness also improved,
Institute for Management Development menempatkan Indonesia with the Institute for Management Development report ranking
di peringkat 34 dari 44 di tahun sebelumnya. Indonesia at 34 out of 44 in the previous year.
Likuiditas perekonomian dan perbankan Indonesia yang tetap The liquidity of Indonesia's economy and banking sector, which
memadai, mendukung pertumbuhan kredit perbankan pada remains adequate, supported a 11% year-on-year growth in
Februari 2024 tumbuh sebesar 11% (yoy) didukung oleh stabilitas banking credit in February 2024, backed by a consistently strong
sistem keuangan yang tetap kuat serta ditopang oleh likuiditas yang financial system stability and bolstered by sufficient liquidity,
memadai, permodalan yang kuat, dan risiko kredit yang rendah. robust capital, and low credit risk. Looking ahead, credit growth
Ke depan, pertumbuhan kredit diperkirakan terus membaik is projected to continue improving to 10-12% in 2024, influenced
menjadi 10-12% pada 2024 dipengaruhi semakin meningkatnya by the increasing domestic economic activities. The social services,
aktivitas ekonomi domestik. Sektor jasa sosial, transportasi, dan transportation, and financial sectors experienced the highest
usaha keuangan menjadi segmen yang mengalami pertumbuhan credit growth segments. Credit growth for micro, small, and
kredit tertinggi. Pertumbuhan kredit bagi usaha mikro, kecil, medium enterprises (MSMEs) was also positive, supported by
dan menengah (UMKM) juga positif, didukung oleh penyaluran an increase in the distribution of People’s Business Credit (KUR).
kredit usaha rakyat (KUR) yang meningkat. Ketahanan perbankan Banking resilience remained strong, with non-performing loan
tetap kuat, dengan rasio non performing loan (NPL) yang terjaga (NPL) ratios maintained low at around 0.75% (net) and 2.36%
rendah pada kisaran 0,75% (neto) dan 2,36% (bruto). Demikian (gross). Similarly, total third-party funds (DPK) were able to grow
pula dengan total dana pihak ketiga (DPK) yang mampu tumbuh by 3.73% from the previous year.
3,73% dari tahun sebelumnya.
Kendala yang Dihadapi dan Langkah Obstacles and Solutions
Penyelesaian
Di tengah perekonomian nasional yang tetap tangguh dan Amidst a resilient and positively growing national economy,
bertumbuh positif, Bank Sinarmas menghadapi berbagai Bank Sinarmas faced various challenges that were wisely handled
tantangan yang telah diatasi dengan bijaksana oleh Manajemen. by Management. Throughout 2023, the Bank remained vigilant
Di sepanjang tahun 2023, Bank mewaspadai perubahan- about changes occurring in the banking industry and anticipated
perubahan yang terjadi di industri perbankan serta mengantisipasi their impact on the Bank’s performance.
dampaknya terhadap kinerja Bank.
Kenaikan suku bunga acuan BI 7-day Reverse Repo Rate (BI7DRR) The increase in BI 7-day Reverse Repo Rate (BI7DRR) benchmark
berdampak pada meningkatnya tingkat bunga simpanan di interest rate led to an increase in deposit interest rates in the
pasar. Hal ini direspons oleh Bank Sinarmas dengan menaikkan market. This was responded to by Bank Sinarmas by gradually
tingkat bunga simpanan secara bertahap dan selektif. Di sisi and selectively raising deposit interest rates. On the other hand,
lain, penanganan kredit bermasalah yang sebesar 7,99% di addressing non-performing loans, which stood at 7.99% by the
akhir tahun 2022 menjadi tantangan tersendiri bagi Bank. Untuk end of 2022, poses a unique challenge for the bank. To maintain
menjaga kualitas kredit serta memitigasi risiko, Bank menambah credit quality and mitigate risks, the Bank increased reserves and
pencadangan serta terus mencari langkah-langkah penyelesaian. continued to seek resolution measures. At the end of 2023, gross
Pada akhir tahun 2023, rasio NPL bruto berada di 1,53%. NPL ratio was at 1.53%.
Strategi dan Kebijakan Strategis Strategy and Strategic Policies
Penetapan strategi Bank mengacu pada hasil yang ingin dicapai The Bank’s strategy formulation is based on the desired outcomes
serta strategi-strategi yang telah dituang pada rencana bisnis. and the strategies outlined in the business plan. Prepared
Strategi yang telah disiapkan sebelumnya diselaraskan dengan strategies were in line with the challenges faced in 2023.
tantangan-tantangan yang dihadapi di sepanjang tahun 2023. The Bank’s strategy was divided into three main areas: third-
Strategi Bank terbagi menjadi 3 yaitu, pertumbuhan dana party funds (DPK) growth, quality credit growth, and improving
pihak ketiga (DPK), pertumbuhan kredit yang berkualitas, the quality and effectiveness of sustainability programs.
serta meningkatkan kualitas dan efektivitas program-program
keberlanjutan.
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Upaya peningkatan penghimpunan dana pihak ketiga (DPK) Efforts to increase third-party funds (DPK) collection were focused
dilakukan pada giro dan tabungan untuk mencapai tujuan jangka on current accounts and savings accounts to achieve the long-
panjang, yaitu menjadi payment and transaction bank. Untuk term goal of becoming a payment and transaction bank. To
mempertahankan daya saing, pada tahun 2023, Bank menaikkan maintain competitiveness, the Bank gradually raised interest rates
tingkat bunga secara bertahap. Selain menaikkan tingkat bunga in 2023. In addition to increasing deposit interest rates, in 2023,
simpanan, di tahun 2023 telah diluncurkan pelayanan Sinarmas Sinarmas Priority services were launched with a unique proposition
Prioritas dengan preposition unik untuk nasabah-nasabah for affluent customers, aimed at expanding the target market and
affluent, yang bertujuan untuk memperluas target pasar dan increasing deposit accumulation. This policy resulted in an 8.87%
meningkatkan pengendapan dana. Kebijakan ini berdampak pada increase in community fund collection, accompanied by a 40-bps
meningkatnya penghimpunan dana masyarakat sebesar 8,87% increase in the cost of funds.
diikuti dengan kenaikan cost of fund sebesar 40bps.
Strategi dan kebijakan perkreditan Bank terfokus pada pertumbuhan The Bank’s credit strategy and policies were focused on quality
kredit yang berkualitas. Penyaluran kredit diprioritaskan pada credit growth. Credit disbursement was prioritized for sectors with
sektor-sektor yang memiliki prospek usaha yang baik dan agunan good business prospects and adequate collateral. In maintaining
yang memadai. Dalam menjaga kualitas kredit, Bank terus mencari credit quality, the Bank continues to seek measures to address
langkah-langkah untuk menyelesaikan kredit bermasalah. Pada non-performing loans. At the end of 2023, credit was recorded to
akhir tahun 2023, kredit tercatat bertumbuh sebesar 8,54% yang grow by 8.54%, which was expected to mark a turning point from
diharapkan dapat menjadi titik balik dari tren kredit yang menurun the declining credit trend observed in recent years.
dalam beberapa tahun terakhir.
Sebagai bentuk kepedulian terhadap lingkungan dan masyarakat, As a form of commitment to the environment and society, the
Bank aktif dalam kegiatan literasi dan inklusi keuangan untuk Bank was actively involved in financial literacy and inclusion
masyarakat sebagai upaya dalam meningkatkan pemahaman activities for the community to enhance understanding and
dan akses terhadap layanan keuangan yang sehat dan access to healthy and sustainable financial services. The Bank
berkelanjutan. Bank juga terus mengembangkan layanan digital also continued to develop digital services to provide the best
untuk memberikan pengalaman terbaik kepada nasabah dalam experience for customers in online transactions. Additionally, the
bertransaksi secara online. Selain itu, Bank turut memberikan Bank paid special attention to consumer and customer protection
perhatian khusus terhadap isu perlindungan konsumen dan issues, ensuring that services provided meet established standards.
nasabah, dengan memastikan layanan yang diberikan sesuai
dengan standar yang ditetapkan.
Dalam menjaga lingkungan, Bank secara konsisten menerapkan In preserving the environment, the Bank consistently implemented
praktik-praktik penghematan sumber daya dalam aktivitas energy-efficient practices in its operational activities, guided
operasional, dengan berpedoman pada ketentuan internal terkait by internal regulations related to the conservation of water,
penghematan penggunaan air, listrik, dan kertas. Bank juga terus electricity, and paper usage. The Bank also continued to develop
mengembangkan produk pembiayaan kendaraan listrik melalui electric vehicle financing products through partnerships with
mitra kerja sama dengan perusahaan pembiayaan (multifinance), financing companies (multifinance), as a concrete effort to support
sebagai upaya konkret dalam mendukung keberlanjutan environmental sustainability. These strategies and policies aligned
lingkungan. Strategi dan kebijakan tersebut telah sesuai dengan with the Bank’s commitment to making a positive contribution to
komitmen Bank untuk berkontribusi positif bagi pertumbuhan sustainable economic growth while maintaining harmony with the
ekonomi yang berkelanjutan, sambil terus menjaga harmoni community and the surrounding environment.
dengan masyarakat dan lingkungan sekitar.
Peranan Direksi dalam Perumusan dan Board of Directors’ Roles in Strategy
Implementasi Strategi Formulation and Implementation
Direksi berperan penting dalam menyusun strategi Bank dan The Board of Directors plays a crucial role in formulating the
memastikan implementasinya, terutama terkait Rencana Bank’s strategy and ensuring its implementation, especially
Bisnis Bank (RBB) yang diselaraskan dengan visi, misi, dan concerning the Bank’s Business Plan (RBB), aligned with the vision,
perkembangan industri perbankan terkini. Direksi bertanggung mission, and current developments in the banking industry. The
jawab untuk mengidentifikasi potensi, risiko, dan peluang bisnis, Board of Directors is responsible for identifying potentials, risks,
serta merumuskan langkah-langkah strategis yang tepat, sesuai and business opportunities, as well as formulating appropriate
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dengan peran dan posisinya masing-masing. Dalam hal ini, Direksi strategic steps, in line with their respective roles and positions.
aktif bekerja sama dengan manajemen dan komite pendukung In this regard, the Board of Directors actively collaborates with
untuk memastikan bahwa semua departemen telah memahami management and supporting committees to ensure that all
dan melaksanakan strategi perusahaan dengan baik. Evaluasi departments understand and effectively execute the Company’s
kinerja juga rutin dilakukan untuk memantau capaian strategi dan strategy. Performance evaluations are also regularly conducted to
membuat penyesuaian, manakala diperlukan. monitor strategy achievements and make necessary adjustments.
Pencapaian Kinerja dan Realisasi Target Performance Achievement and Target
Realization
Pada tahun 2023, Bank Sinarmas mencatatkan pencapaian yang In 2023, Bank Sinarmas achieved commendable results amidst
patut diapresiasi di tengah dinamika ekonomi yang berubah-ubah. the changing economic dynamics. Despite various challenges, the
Meskipun menghadapi tantangan, Bank berhasil meningkatkan Bank managed to increase net interest income to Rp2.62 trillion,
pendapatan bunga bersih menjadi Rp2,62 triliun, tumbuh growing by 3.58% from 2022’s Rp2.53 trillion. Other operating
3,58% dari tahun 2022 yang tercatat sebesar Rp2,53 triliun. income also recorded a 7.79% increase compared to the previous
Pendapatan operasional lainnya juga tercatat meningkat 7,79% year, reaching Rp3.55 trillion. However, the Bank’s financial
dibandingkan tahun sebelumnya menjadi sebesar Rp3,55 triliun. performance in terms of profitability experienced a decline due
Namun, kinerja keuangan Bank dari sisi profitabilitas mengalami to high operational expenses, particularly from increased financial
penurunan akibat tingginya beban operasional, khususnya dari sisi asset impairment losses by 49.45% compared to the 2022’s
kerugian penurunan nilai aset keuangan yang meningkat 49,45% expenses. Consequently, in 2023, the Bank recorded a total profit
dibandingkan tahun 2022. Dengan begitu, di tahun 2023, Bank before tax of Rp73.58 billion, decreasing by 73.46% from the
mencatatkan total laba sebelum pajak sebesar Rp73,58 miliar, previous year’s figure and achieving 23.36% of the set target.
menurun 73,46% dari tahun sebelumnya dan hanya mencapai
23,36% dari target yang telah ditetapkan.
Meski demikian, rasio-rasio keuangan Bank, baik dari sisi Nevertheless, the Bank’s financial ratios, both in terms of liquidity,
likuiditas, rentabilitas, maupun kolektibilitas piutang tetap terjaga profitability, and receivables turnover, remain well maintained.
dengan baik. Tingkat likuiditas yang tercermin dari loan to deposit The liquidity level, reflected by loan to deposit ratio (LDR),
ratio (LDR) berhasil meningkat menjadi 40,94% atau mencapai increased to 40.94% or 129.85% of the target set for 2023.
129,85% dari target yang ditetapkan untuk tahun 2023. Begitu Similarly, the profitability level measured by net interest margin
pun dengan tingkat rentabilitas yang diukur menggunakan net (NIM) also increased to 6.26% and surpassed the set target of
interest margin (NIM) juga meningkat menjadi 6,26% dan berhasil 5.45%. Likewise, the receivables collectability level measured
melampaui target yang ditetapkan, yaitu sebesar 5,45%. Demikian by non-performing loan (NPL) ratio decreased compared to the
pula dengan tingkat kolektibilitas piutang yang diukur oleh rasio previous year’s ratio, reaching 1.53% (gross) and 0.35% (net),
pinjaman bermasalah (non performing loan atau NPL) menurun respectively.
dibandingkan tahun sebelumnya, masing-masing sebesar 1,53%
(bruto) dan 0,35% (neto).
Adapun fokus Bank Sinarmas pada pengembangan produk terkait Meanwhile, Bank Sinarmas’s focus on developing products related
UMKM menghantarkan Bank pada realisasi KUR mencapai Rp373 to MSMEs led the Bank to achieve a realization of Rp373 billion
miliar. Langkah ini sejalan dengan upaya Bank untuk mendukung in People’s Business Credit (KUR). This step aligned with the
pertumbuhan ekonomi nasional melalui pemberian akses Bank’s efforts to support national economic growth by providing
pembiayaan kepada UMKM, yang merupakan tulang punggung financing access to MSMEs, which were the drivers of Indonesia’s
perekonomian Indonesia. economy.
Prospek Usaha Tahun 2024 Business Outlook in 2024
Perubahan cepat dalam dinamika ekonomi dunia yang disertai The rapid changes in the dynamics of global economy accompanied
dengan meningkatnya ketegangan geopolitik diperkirakan akan by increasing geopolitical tensions are expected to impact the
berimbas pada ketidakpastian pasar uang global. Tantangan- uncertainty of global money market. These challenges lower the
tantangan tersebut menurunkan prospek ekonomi global secara overall outlook of the global economy and have the potential to
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umum dan berpotensi menciptakan kesenjangan dalam investasi create disparities in investment and trade between developed and
dan perdagangan antara negara maju dan berkembang. Dengan developing countries. Thus, global economic growth in 2024 is
begitu, pertumbuhan ekonomi global di tahun 2024 diperkirakan projected to be around 3.1%, with the projected inflation rate
hanya berada pada kisaran 3,1%, dengan tingkat inflasi yang remaining high at approximately 5.8%.
diproyeksikan tetap tinggi, sekitar 5,8%.
Di sisi lain, pemerintah tetap optimis dengan menetapkan perkiraan On the other hand, the government remains optimistic by setting
pertumbuhan ekonomi nasional tahun 2024 pada kisaran 5,2%, the forecast for national economic growth in 2024 at around
dengan target inflasi yang terkendali di kisaran 2,5±1%. Sektor 5.2%, with the target inflation controlled around 2.5±1%. The
perbankan juga diprediksi akan tetap stabil, dengan risiko dari sisi banking sector is also expected to remain stable, with risks on the
kredit, likuiditas, dan pangsa pasar yang terjaga. Pertumbuhan credit, liquidity, and market share being maintained. Credit growth
kredit di tahun 2024 diproyeksikan mencapai 10,8%, didorong in 2024 is projected to reach 10.8%, driven by relatively controlled
oleh risiko penyaluran kredit yang relatif terkendali di tahun credit distribution risks in the previous year. Additionally, the
sebelumnya. Selain itu, peningkatan DPK yang diperkirakan naik expected increase in third-party funds (DPK) by 6%-8% is also a
6%-8% juga menjadi faktor penopang yang mendorong arus supporting factor that ensures the flow of national credit remains
kredit nasional tetap terjaga. stable.
Untuk tahun 2024, sejalan dengan perkiraan pertumbuhan For 2024, in line with the projection of national economic growth,
ekonomi nasional, bisnis Bank Sinarmas juga akan bertumbuh. Bank Sinarmas’s business is also expected to grow. Bank Sinarmas
Strategi bisnis Bank Sinarmas akan difokuskan pada pertumbuhan business strategy will focus on growing in potential sectors,
bisnis di sektor-sektor potensial, khususnya ritel. Kredit particularly retail. Credit is projected to grow around 11%-
diproyeksikan bertumbuh pada rentang 11%-15%. Pertumbuhan 15%. Growth in the corporate segment will continue, but not as
pada segmen korporasi masih akan berlanjut, namun tidak setinggi high as in the retail segment. To maintain quality credit growth,
pertumbuhan pada segmen ritel. Untuk menjaga pertumbuhan improvements and refinements to the end-to-end credit processes
kredit yang berkualitas, perbaikan, dan penyempurnaan proses will be consistently implemented. Liquidity adequacy will be
kredit secara end to end akan dilakukan secara konsisten. maintained through the collection of third-party funds (DPK),
Kecukupan likuiditas, akan dijaga melalui penghimpunan DPK which is expected to grow 9%-12%. To support DPK growth,
yang diperkirakan bertumbuh pada rentang 9%-12%. Untuk product, and service development as well as marketing activities
mendukung pertumbuhan DPK, pengembangan produk dan will be conducted continuously. To support profitability, other
layanan serta kegiatan-kegiatan pemasaran akan dilakukan secara operating income will continue to be enhanced through cross-
berkesinambungan. Untuk menunjang profitabilitas, pendapatan selling, up-selling, and the development of mobile and internet
operasional lainnya akan terus ditingkatkan melalui cross selling, banking features.
up selling, dan pengembangan fitur mobile dan internet banking.
Perkembangan Implementasi Tata Kelola Development of Corporate Governance
Perusahaan Implementation
Bank Sinarmas terus meningkatkan penerapan tata kelola Bank Sinarmas continues to enhance the implementation of good
perusahaan yang baik (GCG) demi keberlanjutan bisnis yang corporate governance (GCG) for sustainable business practices.
sehat. Bank telah menunjukkan komitmen yang kuat terhadap The Bank has demonstrated a strong commitment to transparent,
praktik tata kelola yang transparan, akuntabel, dan bertanggung accountable, and responsible governance practices. These
jawab. Langkah-langkah ini termasuk memperhatikan prinsip initiatives include adhering to prudential principles in finance,
kehati-hatian dalam keuangan, mengidentifikasi isu-isu identifying sustainability issues in operations, and encouraging
keberlanjutan dalam operasional, serta mendorong calon prospective borrowers to comply with relevant regulations.
debitur untuk mematuhi regulasi yang relevan. Bank juga The Bank has also integrated sustainable financial aspects into
telah mengintegrasikan aspek keuangan berkelanjutan dalam lending practices by considering environmental and social factors
pemberian kredit, dengan mempertimbangkan faktor lingkungan in financing. Through these efforts, Bank Sinarmas reaffirms its
dan sosial dalam pembiayaan. Melalui upaya-upaya ini, Bank commitment to being a positive agent of change in the industry,
Sinarmas menegaskan komitmen untuk menjadi agen perubahan and to providing sustainable benefits to all stakeholders.
positif dalam industri, serta untuk memberikan manfaat yang
berkelanjutan bagi seluruh pemangku kepentingan.
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Penerapan Tanggung Jawab Sosial dan Implementation of Social and Environmental
Lingkungan Responsibility
Bank Sinarmas terus berkomitmen dalam melaksanakan Bank Sinarmas is committed to fulfilling its social and
tanggung jawab sosial dan lingkungan melalui berbagai program environmental responsibilities through various sustainability
keberlanjutan, baik internal maupun eksternal, sebagai upaya programs, both internally and externally, as part of its efforts to
merealisasikan usaha yang ramah lingkungan. Secara konsisten, realize environmentally friendly practices. The Bank consistently
Bank menerapkan praktik hemat energi dan efisiensi sumber daya implements energy-saving practices and resource efficiency in its
dalam proses bisnis. Upaya ini ditunjang dengan pemasangan business processes. These efforts are supported by the installation
panel surya tambahan di kantor cabang Bank Sinarmas untuk of additional solar panels at Bank Sinarmas branch offices to
mengurangi dampak negatif dari penggunaan bahan bakar pada reduce the negative impact of fuel consumption in power
mesin pembangkit listrik. Bank juga aktif melaksanakan program generators. The Bank also actively implements corporate social
tanggung jawab sosial (CSR) di berbagai bidang, seperti perbaikan responsibility (CSR) programs in various fields, such as improving
sarana dan prasarana sosial, program donasi untuk keadaan social infrastructure, emergency disaster relief donations, CSR in
darurat bencana, CSR di bidang keagamaan, serta pendidikan dan religious sector, as well as education and healthcare. Additionally,
kesehatan. Selain itu, Bank juga aktif melakukan kegiatan literasi the Bank actively conducts financial literacy and inclusion activities
dan inklusi keuangan kepada masyarakat. for the community.
Lebih jauh, sebagai tanggapan terhadap inisiatif Otoritas Jasa Furthermore, in response to the Financial Services Authority
Keuangan (OJK) terkait buku panduan Taksonomi Hijau Indonesia (OJK) initiative on Indonesian Green Taxonomy (THI) edition 10,
(THI) edisi 10, Bank Sinarmas yang berstatus Kelompok Bank Bank Sinarmas, as a Group Bank with a Core Capital of 2, has
dengan Modal Inti 2 telah mengikuti fase pilot project sejak April participated in the pilot project phase since April 2023. The Bank
2023. Bank secara proaktif mengikuti setiap proses tahapan proactively complies with every stage and direction set by OJK
dan arahan OJK dalam pelaksanaan kegiatan tersebut, sehingga in implementing these activities, enabling the Bank to identify
Bank dapat mengidentifikasi portofolio kredit yang masuk ke credit portfolios classified under the Green and Yellow categories
dalam kategori Hijau dan Kuning berdasarkan panduan THI. based on THI guidelines. With these various initiatives, Bank
Dengan berbagai inisiatif ini, Bank Sinarmas semakin memperkuat Sinarmas strengthens its commitment to supporting sustainable
komitmen dalam mendukung pembangunan berkelanjutan dan development and providing a positive impact on the community
memberikan dampak positif bagi masyarakat dan lingkungan and the surrounding environment.
sekitar.
Perubahan Komposisi Direksi Changes in the Board of Directors’ Composition
Rapat Umum Pemegang Saham Tahunan (RUPST) yang The Annual General Meeting of Shareholders (AGMS) held on
diselenggarakan pada 27 Juni 2023, menyetujui perubahan June 27, 2023, approved changes to the Board of Directors’
susunan Direksi dengan mengangkat Ibu Enny Kamal dan composition by appointing Ms. Enny Kamal and Mr. Sendy as
Bapak Sendy, sebagai Direktur. RUPST juga telah menyetujui Directors. The AGMS also approved the reappointment of all
pengangkatan kembali seluruh Anggota Direksi dan Dewan Members of Board of Directors and Board of Commissioners.
Komisaris. Kami mengucapkan selamat bergabung dan selamat We welcome and congratulate the new members of the Board
bekerja untuk anggota Direksi baru. Semoga dengan komposisi of Directors on their appointment and wish them success in their
anggota saat ini, Bank dapat terus menumbuhkan kinerja yang roles. With the current composition, we hope that the Bank can
lebih baik secara berkelanjutan. continue to achieve sustainable performance improvement.
Selain itu, terkait efektifnya pemisahan Unit Usaha Syariah pada 1 Furthermore, regarding the effective separation of Sharia Business
Januari 2024, susunan anggota Direksi hingga Laporan Tahunan Unit on January 1, 2024, the Board of Directors’ composition until
ini diterbitkan adalah sebagai berikut: this Annual Report is published is as follows:
Laporan Tahunan dan Keberlanjutan 2023
44 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Nama Jabatan
Name Position
Direktur Utama
Frenky Tirtowijoyo
President Director
Direktur
Miko Andidjaja
Director
Direktur
Ekajaya Ongny Putra
Director
Direktur
Enny Kamal
Director
Direktur
Sendy
Director
Apresiasi Appreciation
Melalui kesempatan ini, kami menyampaikan apresiasi dan terima In this opportunity, we express our appreciation and gratitude
kasih kepada Pemegang Saham, Dewan Komisaris, komite- to the Shareholders, the Board of Commissioners, supporting
komite pendukung, dan seluruh karyawan yang tak kenal lelah committees, and all employees who tirelessly contribute to
berkontribusi dalam membangun usaha yang berkembang dan building a growing and resilient business. We also extend our
berdaya tahan. Apresiasi dan terima kasih juga kami sampaikan appreciation and gratitude to the regulators who have made
kepada regulator yang telah berupaya secara optimal untuk optimal efforts to maintain a sound banking industry climate, as
menjaga iklim industri perbankan yang sehat, serta kepada mitra well as to business partners and customers who have entrusted us
usaha dan nasabah yang telah memberikan kepercayaan dan and remained loyal to conduct transactions with Bank Sinarmas.
tetap loyal untuk bertransaksi bersama Bank Sinarmas. Dengan With higher spirits, we will continue to fulfill our commitment to
semangat yang lebih tinggi, kami akan terus mewujudkan provide the best and become a reliable partner for sustainable
komitmen untuk memberikan yang terbaik dan menjadi mitra economic growth in Indonesia.
yang dapat diandalkan bagi pertumbuhan ekonomi Indonesia
yang berkelanjutan.
Atas nama Direksi,
On Behalf of the Board of Directors,
Frenky Tirtowijoyo
Direktur Utama
President Director
2023 Annual and Sustainability Report
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DIREKSI
Board of Directors
Sendy Miko Andidjaja Frenky Tirtowijoyo
Direktur Direktur Direktur Utama
Director Director President Director
Ekajaya Ongny Putra Enny Kamal
Direktur Direktur
Director Director
Laporan Tahunan dan Keberlanjutan 2023
46 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Tanggung Jawab Laporan Tahunan dan Keberlanjutan [POJK51-G.2]
Annual and Sustainability Report Responsibility
SURAT PERNYATAAN ANGGOTA DEWAN KOMISARIS DAN DIREKSI
TENTANG TANGGUNG JAWAB ATAS LAPORAN TAHUNAN DAN KEBERLANJUTAN 2023
PT. BANK SINARMAS TBK.
STATEMENT OF MEMBERS OF THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS
ON THE RESPONSIBILITY FOR THE 2023 ANNUAL AND SUSTAINABILITY REPORT OF
PT. BANK SINARMAS 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 dan Keberlanjutan Annual and Sustainability Report of PT. Bank Sinarmas Tbk. for
PT. Bank Sinarmas Tbk. tahun 2023 telah dimuat secara lengkap the year 2023 has been fully contained and we shall be fully
dan bertanggung jawab penuh atas kebenaran isi Laporan responsible to the correctness of contents in the Annual and
Tahunan dan Keberlanjutan Bank. Sustainability Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 24 April 2024
Jakarta, April 24, 2024
DEWAN KOMISARIS
Board of Commissioners
Tjendrawati Widjaja
Komisaris Utama
President Commissioner
Sammy Kristamuljana Rusmin
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
DIREKSI
Board of Directors
Frenky Tirtowijoyo
Direktur Utama
President Director
Miko Andidjaja Ekajaya Ongny Putra
Direktur Direktur
Director Director
Enny Kamal Sendy
Direktur Direktur
Director Director
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Laporan Tahunan dan Keberlanjutan 2023
48 PT. Bank Sinarmas Tbk.
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03
PROFIL
PERUSAHAAN
Company Profile
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Identitas Perusahaan
Company Identity
Dasar Hukum Pendirian
Legal Basis of Establishment
Nama Perusahaan Berdasarkan Akta No. 52 tanggal 18 Agustus 1989 yang dibuat
Company Name di hadapan Buniarti Tjandra, SH, Notaris di Jakarta, yang telah
PT. Bank Sinarmas Tbk. diumumkan dalam Berita Negara Republik Indonesia tertanggal
21 Oktober 1989 No. 1506/1989.
Based on Deed No. 52 dated August 18, 1989, which was
Informasi Perubahan Nama made before Buniarti Tjandra S.H., a Notary in Jakarta, and was
Information on Name Change announced in State Gazette of the Republic of Indonesia dated
October 21, 1989, No. 1506/1989.
• 1989: Didirikan dengan nama PT Bank Shinta
Indonesia.
• 2006: Pergantian nama menjadi PT. Bank Sinarmas.
Dasar Hukum Perubahan Nama
• 1989: Established under the name PT Bank Shinta
Legal Basis of Name Change
Indonesia.
• 2006: Change of name to PT. Bank Sinarmas. Berdasarkan Akta No. 1 tanggal 21 November 2006 dari
Triphosa Lily Ekadewi, S.H., M.Kn notaris di Jakarta.
Based on Deed No. 1 dated November 21, 2006, made before
Triphosa Lily Ekadewi, S.H., M.Kn., a Notary in Jakarta.
Tanggal Pendirian
Date of Establishment
18 Agustus 1989 / August 18, 1989
Nama Bursa
Stock Exchange
Bidang Usaha Bursa Efek Indonesia / Indonesia Stock Exchange
Business Field
Perbankan / Banking
Tanggal Pencatatan Saham
Share Listing Date
Status Bank 13 Desember 2010 / December 13, 2010
Bank Status
Bank Devisa / Foreign Exchange Bank
Kode Saham
Stock Code
Jaringan Kantor BSIM
Office Network
68 Kantor Cabang, 191 Kantor Cabang Pembantu,
Kode Layanan
64 Kantor Fungsional Operasional, 11 Kantor Fungsional
Service Code
UMK, 31 Kantor Cabang Syariah, 10 Kantor Cabang
Pembantu Syariah. Swift Code : SBJKIDJA
Telex : 67171 SHINPS IA
68 Branch Offices, 191 Sub-Branch Offices, 64 Operational
I-Telex : 867171
Functional Offices, 11 SME Functional Offices, 31 Sharia
Branch Offices, 10 Sharia Sub-Branch Offices.
Modal Dasar
Authorized Capital
Rp6.000.000.000.000,-
Alamat Kantor Pusat [POJK51-C.2]
Head Office Address
Sinar Mas Land Plaza Tower I, Lantai 1 dan 2
Modal Ditempatkan dan Disetor Penuh
Jl. MH. Thamrin Kav. 51, Jakarta 10350
Issued and Fully Paid-Up Capital
Telp. (+62 21) 3199 0101
Fax. (+62 21) 3199 0401 Rp1.971.616.240.300,-
Laporan Tahunan dan Keberlanjutan 2023
50 PT. Bank Sinarmas Tbk.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Jumlah Karyawan Perubahan Organisasi Bersifat Signifikan [POJK51- C.6]
Total Employees
orang pada tahun buku 2023
7.231 people in the 2023 financial year Perubahan yang terjadi di Bank dan bersifat signifikan selama
tahun 2023, yakni:
1. Penutupan 2 Kantor Fungsional (KF) UMK;
Customer Care 2. Pemisahan Unit Usaha Syariah (UUS) dengan mendirikan Bank
Customer Care Umum Syariah baru dengan nama PT Bank Nano Syariah
1500153 & +62 21 501 88888 bersama dengan PT Sinar Mas Multiartha Tbk dan PT Asuransi
Sinar Mas.
Media Sosial
Social Media
Significant Organizational Change [POJK51- C.6]
Bank Sinarmas
@BankSinarmas Significant changes that occurred at the Bank in 2023 included:
@BankSinarmas 1. Closure of 2 SME Functional Offices (KF); and
BankSinarmas 2. Separation of Sharia Business Unit (UUS) by establishing a
BankSinarmas new Sharia Commercial Bank named PT Bank Nano Syariah
+62 8822 1500 153 together with PT Sinar Mas Multiartha Tbk and PT Asuransi
Sinar Mas.
Situs Web dan Email
Website and Email
www.banksinarmas.com
corporate.secretary@banksinarmas.com
care@banksinarmas.com
Komposisi Pemegang Saham
Shareholder Composition
PT Sinar Mas Multiartha Tbk 59,99%
PT Shinta Utama 2,93%
Public 37,08%
37,08%
59,99%
2,93%
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Sekilas Bank Sinarmas
Bank Sinarmas at a Glance
PT. Bank Sinarmas Tbk., selanjutnya disebut Bank Sinarmas PT. Bank Sinarmas Tbk., hereinafter referred to as Bank Sinarmas
atau Bank, didirikan pada 18 Agustus 1989 dengan nama or the Bank, was established on August 18, 1989, under the
PT Bank Shinta Indonesia sebagai perusahaan yang bergerak di name PT Bank Shinta Indonesia as a banking company. In the
bidang perbankan. Pada awal perjalanan bisnis tersebut, Bank early stages of its business journey, the Bank gradually developed
secara bertahap melakukan pengembangan bisnis dengan its business by obtaining status as a Tax Collection Bank and a
memperoleh status sebagai Bank Persepsi dan Bank Umum Foreign Exchange Commercial Bank, as well as strengthening its
Devisa, serta memperkuat posisi keuangan dengan meningkatkan financial position by increasing its paid-up capital to Rp50 billion.
modal disetor menjadi Rp50 miliar.
Setelah lebih dari 1 dekade menjalankan bisnis, PT Sinarmas After more than a decade in business, PT Sinarmas Multiartha Tbk,
Multiartha Tbk, perusahaan financial services yang berada a financial services company under Sinarmas business group,
di bawah kelompok usaha Sinarmas, mengambil alih acquired 21% of the shares of PT Bank Shinta Indonesia, which
21% saham PT Bank Shinta Indonesia yang kemudian was followed by a change in the Bank’s logo and name to
disusul dengan perubahan logo dan nama Bank menjadi PT. Bank Sinarmas. This change in majority shareholder had a
PT. Bank Sinarmas. Perubahan Pemegang Saham Mayoritas ini positive impact on the business development, where gradually the
berdampak positif pada perkembangkan bisnis, di mana secara Bank expanded its business reach by establishing several branch
bertahap Bank memperluas jangkauan bisnis dengan mendirikan offices in various cities across Indonesia. Furthermore, the Bank
beberapa kantor cabang di beberapa kota di Indonesia. Selain embarked on business development by obtaining permission to
itu, Bank kembali melakukan pengembangan bisnis dengan operate a Sharia Business Unit (UUS), followed by a corporate
memperoleh izin menjalankan Unit Usaha Syariah (UUS), yang action of an initial public offering on Indonesia Stock Exchange on
selanjutnya disusul dengan aksi korporasi berupa penawaran December 13, 2010. However, to create a stable and competitive
saham perdana di Bursa Efek Indonesia pada 13 Desember 2010. national Islamic banking industry, the Bank conducted a spin-off
Akan tetapi, dalam rangka menciptakan industri perbankan of UUS into a Sharia Business Entity named PT Bank Nano Syariah.
syariah nasional yang stabil dan berdaya saing, Bank melakukan This step was taken by the Bank together with companies within
spin off atas UUS menjadi Badan Usaha Syariah yang diberi nama Sinarmas business group, namely PT Sinar Mas Multiartha Tbk and
PT Bank Nano Syariah. Langkah ini dilakukan Bank bersama-sama PT Asuransi Sinar Mas.
dengan perusahaan di dalam kelompok usaha Sinarmas, yakni
PT Sinar Mas Multiartha Tbk dan PT Asuransi Sinar Mas.
Laporan Tahunan dan Keberlanjutan 2023
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Di sisi lain, akselerasi penggunaan teknologi informasi telah dan On the other hand, the Bank continues to pursue acceleration
terus dilakukan Bank guna mengikuti perkembangan pasar yang in the use of information technology in order to keep up with
dinamis dan kebutuhan masyarakat yang semakin kompleks. dynamic market developments and the increasingly complex
Bank Sinarmas juga memiliki inisiatif keberlanjutan dengan society demand. Bank Sinarmas also has sustainability initiatives
menghadirkan program pembiayaan kegiatan usaha berkelanjutan by introducing a sustainable business financing program (KKUB),
(KKUB), di mana penyalurannya dipetakan pada portofolio debitur where disbursements are mapped to a portfolio of debtors divided
yang terbagi dalam 12 kategori sesuai Rencana Aksi Keuangan into 12 categories according to the Sustainable Finance Action
Berkelanjutan (RAKB). Plan (RAKB).
Makna Logo Bank Sinarmas Meaning of Bank Sinarmas Logo
Logo Bank Sinarmas adalah hasil pengembangan identitas Bank Sinarmas logo is the result of developing identity of Sinar
dari logo Sinar Mas yang menggambarkan kekuatan Mas logo, which portrays the strength and character of the
karakter perusahaan secara utuh dan jelas. Logo tersebut Company in a complete and clear manner. The logo is inspired by
terinspirasi dari pancaran sinar matahari yang tak pernah the radiance of the sun, which never stops shining and provides
berhenti bersinar serta memberikan terang kehidupan, yang brightness of life, reflecting the commitment of Sinar Mas to its
merefleksikan komitmen usaha yang dijalankan Sinar Mas, endeavors, both for society and its business groups. Meanwhile,
baik untuk masyarakat maupun kelompok usaha yang dimiliki. the curves at each corner of the logo depict the innovative and
Sementara itu, lengkungan di setiap sudut logo menggambarkan adaptive character of the Company in keeping up with global
karakter perusahaan yang inovatif dan adaptif dalam mengikuti developments.
perkembangan dunia.
Dari sisi tipografi, penulisan Bank Sinarmas tanpa huruf kapital In term of typographical perspective, the writing of Bank Sinarmas
melambangkan kesan ramah dan tidak kaku, sehingga mampu without capital letters conveys a friendly and informal impression,
merefleksikan karakter perusahaan yang berorientasi pada pasar avoiding stiffness, thus reflecting the Company’s market-oriented
dan melihat peluang ke depan. Selain itu, perpaduan logo simbol character and forward-looking attitude. Additionally, the
dan huruf Sinar Mas yang saling terintegrasi menggambarkan combination of the symbol logo and the integrated Sinar Mas
Bank sebagai kelompok usaha yang utuh dan solid. letters portrays the Bank as a cohesive and solid business group.
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Jejak Langkah
Milestones
1989 - 2007 2008 - 2013
1989 2008
Pertama kali berdiri dengan nama Bank Shinta Indonesia. Pembukaan 22 kantor baru.
Initial establishment under the name Bank Shinta Indonesia. Opening of 22 new offices.
1993 2009
Pendirian kantor cabang di Bandung. • Pembukaan 18 kantor baru;
Establishment of a branch office in Bandung. • Perolehan izin untuk mendirikan Unit Usaha Syariah (UUS) berdasarkan
Keputusan Deputi Gubernur Bank Indonesia No. 11/13/KEP/DpG/2009
tentang Pemberian Izin Usaha Unit Usaha Syariah (UUS);
1994
• Pengesahan Bank sebagai Bank Penyimpan Margin Dana
Perolehan status sebagai Bank Persepsi (bank pembayaran pajak) dari
Kompensasi dan Dana Jaminan oleh Badan Pengawas Perdagangan
Menteri Keuangan.
Berjangka Komoditi; dan
Obtained status as a Tax Collection Bank (tax payment bank) from the
• Pengesahan Bank untuk melakukan kegiatan usaha Wali Amanat
Ministry of Finance.
dari Badan Pengawas Pasar Modal dan Lembaga Keuangan.
• Opening of 18 new offices;
1995 • Obtained a license to establish a sharia business unit (UUS) based
Menjadi Bank Umum Devisa. on the Decision of the Deputy Governor of Bank Indonesia
Became a Commercial Foreign Exchange Bank. No. 11/13/KEP/DpG/2009 on the Granting of a business license for
Sharia Business Unit (UUS);
1996 • Obtained approval as the Compensation and Guarantee Fund
Pendirian kantor cabang di Surabaya. Margin Depository Bank by the Commodity Futures Trading
Establishment of a branch office in Surabaya. Regulatory Agency (Bappebti); and
• Obtained approval from the Capital Market and Financial Institution
Supervisory Agency to carry out Trustee Busines Activities.
1998
Peningkatan Modal disetor menjadi Rp50 miliar. 2010
Increased paidup capital to Rp50 billion.
• Pelaksanaan Penawaran Umum Perdana (Initial Public Offering/IPO);
dan
2005 • Pembukaan 14 kantor baru.
• PT Sinar Mas Multiartha Tbk dan PT Shinta Utama menjadi • Conducted an Initial Public Offering (IPO); and
Pemegang Saham Mayoritas Bank; dan • Opening of 14 new offices.
• Perubahan logo Bank.
• PT Sinar Mas Multiartha Tbk and PT Shinta Utama became the 2011
majority shareholders of the Bank; and • Pelaksanaan Exercise Waran Seri I sehingga kepemilikan saham
• Change of the Bank’s logo. Bank oleh publik meningkat menjadi 40%;
• Jumlah kantor Bank berkembang menjadi 220 kantor yang tersebar
di 107 kota di Indonesia; dan
• Peluncuran tagline “We Always Care”.
2006 • Executed Series I Warrant Exercise, allowing the public’s ownership
• Perubahan nama menjadi PT. Bank Sinarmas; dan of the Bank’s shares to increase to 40%;
• Pendirian 10 kantor baru di Bumi Serpong Damai Jakarta, Medan, • The number of the Bank’s offices grew to 220 offices spread across
Jambi, Pekanbaru, Yogyakarta, Semarang, Cirebon, Makassar, 107 cities in Indonesia; and
Manado, dan Denpasar. • Launching of ‘We Always Care’ tagline.
• Change of name to PT. Bank Sinarmas; and
• Establisment of 10 new offices in Bumi Serpong Damai Jakarta,
Medan, Jambi, Pekanbaru, Yogyakarta, Semarang, Cirebon,
Makassar, Manado, and Denpasar. 2012
• Pelaksanaan Penawaran Umum Terbatas I (PUT) sehingga
meningkatkan modal disetor menjadi Rp1,028 triliun; dan
• Jumlah kantor bertambah menjadi 265 yang tersebar di 120 kota di
2007 Indonesia.
• Pembukaan 40 kantor baru; dan • Executed Limited Public Offering I (PUT I), thereby increasing paid-
• Memperoleh penghargaan dari majalah Info Bank dengan predikat up capital to Rp1.028 trillion; and
“Sangat Bagus” atas kinerja keuangan 2006. • The number of offices increased to 265 offices, spread across 120
• Opening of 40 new offices; and cities in Indonesia.
• Awarded by Info Bank magazine with "Excellent” rating for
financial performance in 2006. 2013
Jumlah jaringan kantor bertambah menjadi 380 yang tersebar di
seluruh Indonesia.
The number of office increased to 380 offices spread across Indonesia.
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2014 - 2018 2019 - 2023
2014 2019
Menerbitkan Saham Baru Tanpa Hak Memesan Efek Terlebih Dahulu Pelaksanaan Exercise Waran Seri 3 Bank Sinarmas oleh PT Sinar Mas
(Non-HMETD) sebanyak 896.535.414 saham dengan harga Rp270 per Multiartha Tbk senilai Rp1 triliun.
saham dan mencapai Rp242 miliar. Exercised Series 3 Warrants of Bank Sianrmas by PT Sinar Mas
Issued 896,535,414 new shares Without Pre-emptive Rights Multiartha Tbk worth Rp1 trillion.
(Non-HMETD) at a price of Rp270 per share and reached Rp242 billion.
2020
Peluncuran Simas Catalog di Aplikasi Simobiplus.
2015 Launching of Simas Catalog in Simobiplus application.
• Penandatanganan perjanjian kerja sama Bank Administrator
Rekening Dana Nasabah dan Bank Pembayaran Periode 2015-2019;
dan
• Pelaksanaan Program Jangkau, Sinergi, dan Guideline atau Jaring
2021
2015.
• Peluncuran fitur baru Personal Intelligent Sales and Service Assistant
• Signing of cooperation agreement for Administrator Bank of (Prissa);
Customer Fund Accounts and Payment Banks for the period of • Peluncuran layanan pembukaan rekening digital Simas Digi; dan
2015-2019; and • Peluncuran kartu kredit Virtual Visa.
• Implementation of the 2015 Reach, Synergy, and Guideline or
• Launching of a new feature Personal Intellegent Sales and Service
‘Jaring’ Programs.
Assistant (Prissa);
• Launching of Simas Digi digital account opening service; and
2016 • Launching of Visa Virtual Credit Card.
• Pelaksanaan Penawaran Umum Terbatas II (PUT II) sehingga
meningkatkan modal disetor menjadi Rp1.524 triliun; dan
• Menduduki peringkat ke-3 untuk kategori Private Financial Listed
2022
• Penerbitan Obligasi Subordinasi Berkelanjutan I Bank Sinarmas
dalam ajang Annual Report Award 2016.
Tahap I tahun 2022; dan
• Executed Limited Public Offering II (PUT II), thereby increasing paid-up • Pemisahan UUS Bank Sinarmas menjadi Bank Umum Syariah yang
capital to Rp1,524 trillion; and bernama PT Bank Nano Syariah.
• 3rd rank in the category of Private Financial listed in the 2016
• Issuance of Bank Sinarmas Subordinated Bonds I Phase I Year 2022;
Annual Report Awards.
and
2017 • Spin-off of Sharia Business Unit of Bank Sinarmas into a Sharia
Commercial Bank named PT Bank Nano Syariah.
• Peluncuran situs web Bank dengan tampilan baru;
• Peluncuran mobile banking Bank Sinarmas (Simobi) dengan
tampilan baru; dan
• Migrasi kartu ATM/Debit berbasis teknologi chip.
• Launching of the Bank’s new website look;
2023
• Launching of Bank Sinarmas mobile banking (Simobi) with a new look; Bank memperoleh persetujuan izin Usaha dari
and Otoritas Jasa Keuangan untuk melakukan Pemisahan
• Migration of chip technology-based ATM/Debit card.
Unit Usaha Syariah dengan mendirikan Bank Umum
Syariah dengan nama PT Bank Nano Syariah bersama-
sama dengan PT Sinar Mas Multiartha Tbk dan
2018 PT Asuransi Sinar Mas.
• Peluncuran kartu debit yang dilengkapi logo Gerbang Pembayaran
The Bank obtained approval for Business License
Nasional (GPN) dan teknologi chip;
• Menjadi Bank Penerima Setoran Biaya Penyelenggara Ibadah Haji from Financial Services Authority to carry out Sharia
(BPS-BPIH); dan Business Unit spin-off by establishing a Sharia
• Meraih penghargaan Trailblazer Award 2018 untuk kategori Mobile Commercial Bank named PT Bank Nano Syariah
Banking. together with PT Sinar Mas Multiartha Tbk and
• Launching of a debit card featuring National Payment Gateway PT Asuransi Sinar Mas.
(GNP) logo and chip technology;
• Became a Recipient Bank for Hajj Organizer Fee Deposits (BPS-BPIH);
and
• Received the 2018 Trailblazer Award for Mobile Banking category.
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Visi dan Misi [POJK51- C.1]
Vision and Missions
VISI VISION
Menjadi Bank terkemuka
di Indonesia dengan
jaringan distribusi yang
terintegrasi dan layanan
yang prima.
To become a leading
bank in Indonesia with
an integrated distribution
network and excellent
service.
OBJEKTIF JANGKA PANJANG LONG-TERM OBJECTIVE
Menjadi Payment & Transaction Bank dengan jaringan
distribusi terlengkap dan terintegrasi.
CREDIT CARD
To become the most comprensive and integrated
Payment & Transaction Bank.
PRISSA
Tagline Bank Sinarmas
Bank Sinarmas Tagline
“We Always Care” “We Always Care”
Kepedulian dari semua lini kerja Bank Sinarmas Concerns from all Bank Sinarmas work lines about
mengenai pentingnya pelayanan dari hati kepada the importance of sincere service to customers,
nasabah, rekan kerja, rekan bisnis, masyarakat, dan colleagues, business partners, the community, and
lingkungan yang dilakukan secara konsisten dan the environment, which is carried out consistently
perbaikan yang berkelanjutan untuk mewujudkan and continuously to achieve customer satisfaction and
kepuasan dan loyalitas nasabah. loyalty.
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MISI MISSION
1. Membangun layanan keuangan yang prima guna To create excellent financial services to meet the community’s
memenuhi kebutuhan finansial masyarakat; financial needs;
2. Meningkatkan kemampuan teknologi informasi dan To improve the capability of information technology and
sumber daya manusia dalam rangka memberikan human resources to provide the best service through a
layanan melalui payment system yang lengkap; dan comprehensive payment system; and
3. Membudayakan sistem manajemen risiko sesuai To develop a risk management system in accordance with
dengan prinsip kehati-hatian dan good corporate prudential and good corporate governance (GCG) principles.
government (GCG).
PRISSA
“Biasakan Sekarang Luar Biasa Nanti” “Get Used to It Now, Feel Great Later”
Biasakan sekarang menggunakan layanan Bank Get used to using Bank Sinarmas’s services now,
Sinarmas, agar luar biasa nanti. Bersama Bank and you will feel great later. With Bank Sinarmas,
Sinarmas, apa pun keinginan dalam manajemen whatever your wishes for your personal financial
keuangan personal, baik itu saving atau spending, management, whether “saving or spending,”
akan selalu kami beri penghargaan. we will always reward you.
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Nilai-Nilai Luhur [POJK51- C.1]
Noble Values
Integrity Positive Attitude Commitment
Bertindak sesuai ucapan, janji sehingga Menampilkan perilaku yang Melaksanakan pekerjaan dengan
dapat menumbuhkan kepercayaan mendukung terciptanya lingkungan sepenuh hati untuk mencapai
pihak lain. kerja yang saling menghargai dan hasil terbaik.
kondusif.
Acting on words and promises in order Displaying behavior that contributes to Carrying out the work wholeheartedly
to gain the trust of others. the creation of a mutually respectful to achieve the best results.
and conducive work environment.
Etos Kerja
Work Ethic
Menjalin Hubungan Internasional Belajar secara Terus Menerus Dapat Diandalkan
International Relations Constantly Learning Reliable
Senantiasa membina hubungan internal, Mengembangkan ide dan pengetahuan Berkomitmen untuk bekerja dengan tulus
eksternal, maupun secara global untuk serta berinovasi untuk meningkatkan nilai sehingga menumbuhkan keyakinan dan
mendukung kinerja dalam dunia bisnis. tambah secara terus menerus. sangka baik berlandaskan keandalan.
Perilaku: Proaktif, Cepat Tanggap, dan Perilaku : Kreatif, Inovatif, dan Solutif. Perilaku: Kompeten, Capable, dan
Berani. Jujur.
Constantly fostering internal, external, Developing ideas and knowledge, as well Being committed to working sincerely
and global relationships to support our as innovating, to continuously increase to foster faith and goodwill based on
performance in the business world. added value. competence.
Behavior: Proactive, Responsive, and Behavior: Creative, Innovative, and Behavior: Competent, Capable, and
Brave. Solutive. Honest.
Visi, Misi, Objektif Jangka Panjang, Etos Kerja, dan Tagline PT. Bank Sinarmas Tbk. telah mendapatkan pengesahan dari Dewan Komisaris
dan Direksi melalui Surat Keputusan Presiden Direktur No. SK.031/2022/PRESDIR.
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Continuous Improvement Innovative Loyal
Meningkatkan kemampuan atau Memunculkan gagasan atau Menumbuhkembangkan semangat
kapasitas diri, unit kerja, dan organisasi menciptakan produk, alat kerja, untuk mengerti, memahami, dan
secara terus menerus untuk mencapai atau sistem kerja baru yang dapat melaksanakan nilai-nilai perusahaan
hasil terbaik. meningkatkan produktivitas dan sebagai bagian dari keluarga besar
pertumbuhan perusahaan. Bank Sinarmas.
Continuously improving our ability or Generating ideas or create new Growing the spirit to understand,
capacity, work unit, and organization products, tools, or systems that can comprehend, and implement corporate
to achieve the best results. increase productivity and company values as part of the Bank Sinarmas big
growth. family.
Tangkas Ayo Bekerja Sama
Agile Lets’s Work Together
Mampu memposisikan diri, beradaptasi dan terbuka terhadap Bekerja sama dalam mencapai tujuan Bank berdasarkan dengan
kecepatan (“velocity”) perkembangan bisnis. Senantiasa selalu sikap peduli dan menghargai (“tepa selira”) agar Bank sehat,
berjalan walaupun pelan asal tidak diam “Bu Pa Man, Zhi Pa Zhan” kuat, untung, dan dapat mewujudkan mimpi kita bersama.
dimana kita tidak hanya berdiam diri dan tidak melakukan apa-apa, Perilaku: Dapat Bekerja Sama dan, Saling Menghargai.
kita dituntut untuk cepat, tanggap, dan terus melangkah dalam
setiap keadaan agar kita mampu bertahan di tengah persaingan
yang ketat.
Perilaku: Tangkas, Terbuka, dan Cerdas.
Capable of positioning, adapting, and being open to the velocity Cooperating in achieving the Bank’s goals with a caring and
of business development. Always moving, even if it’s slow, as long respectful attitude (“tepa selira”) so that the Bank is sound, strong,
as it’s not silent (“Bu Pa Man, Zhi Pa Zhan”), in which we don’t and profitable, and we can all realize our dreams together.
just sit idly by and do nothing, we must be quick, responsive, and Behavior: Mutual respect and the ability to work together.
constantly moving in every situation to survive in the face of fierce
competition.
Behavior: Agile, Open, and Intelligent.
The Vision, Missions, Long-term Objectives, Work Ethic, and Tagline of PT. Bank Sinarmas Tbk. have been approved by the Board of
Commissioners and Board of Directors through the Decree of the President Director No. SK.031/2022/PRESDIR.
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Kegiatan Usaha [POJK51- C.4]
Business Activities
Kegiatan usaha Bank Sinarmas bergerak di bidang perbankan, The business activities of Bank Sinarmas engages in the banking
sesuai Anggaran Dasar yang diungkapkan sebagai berikut. sector, as stated in its Articles of Association, which are disclosed
as follows.
Kegiatan Usaha yang Dijalankan pada Tahun 2023
Kegiatan Usaha berdasarkan Anggaran Dasar Terakhir Business Activities Run in 2023
Business Activities Based on the Latest Articles of Association Sudah Dijalankan Belum Dijalankan
Running Not Yet Running
Menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro, deposito
berjangka, sertifikat deposito, tabungan, dan/atau bentuk simpanan lainnya yang
dipersamakan.
Collecting funds from the public in the form of current accounts, time deposits,
certificates of deposit, savings, and/or other forms equivalent.
Memberikan kredit.
Providing loans.
Menerbitkan surat pengakuan utang.
Providing loans.
Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk kepentingan dan
atas perintah sendiri maupun untuk kepentingan dan atas perintah nasabah.
1. Surat-surat wesel, termasuk wesel yang diakseptasi oleh Bank, yang berlakunya tidak
lebih lama dari kebiasaan dalam perdagangan surat-surat yang dimaksud.
2. Surat pengakuan hutang dan kertas dagang lainnya yang masa berlakunya tidak lebih
dari kebiasaan dalam perdagangan surat-surat yang dimaksud.
3. Kertas perbendaharaan negara dan surat jaminan pemerintah.
4. Sertifikat Bank Indonesia.
5. Obligasi.
6. Surat dagang berjangka waktu sampai dengan 1 tahun.
7. Instrumen surat berharga lain yang berjangka waktu sampai dengan 1 tahun.
Buying, selling, or guaranteeing on own risk and order or for the interest and upon the
order of its customers.
1. Money orders, including accredited money orders by the Bank in which the validity
period is not longer than the custom of the trade of such papers.
2. Debt certificates and other trade papers in which the validity period is not longer than
the custom of the trade of such papers.
3. State treasury bills and government guarantee letter.
4. Bank Indonesia Certificates.
5. Bonds.
6. Short-term tradeable promissory notes with validity period of up to 1 (one) year.
7. Other securities with validity period of up to 1 year.
Memindahkan uang, baik untuk kepentingan sendiri maupun untuk kepentingan nasabah.
Transferring money, both for own interest and for the customers’ interest.
Menempatkan dana pada, meminjam dana dari, atau meminjamkan dana kepada bank
lain, baik dengan menggunakan surat, sarana telekomunikasi maupun dengan wesel
tunjuk, cek, atau sarana lainnya.
Placing funds in, borrow funds from, or lend funds to other banks, either by mail,
telecommunication means, or by sight draft, check, or other means.
Menerima pembayaran dari tagihan atas surat berharga dan melakukan perhitungan
dengan atau antar pihak ketiga.
Receiving payments from claims on securities and performing calculations with or
between third parties.
Menyediakan tempat untuk menyimpan barang atau surat berharga.
Providing place for storing valuables and securities.
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Kegiatan Usaha yang Dijalankan pada Tahun 2023
Kegiatan Usaha berdasarkan Anggaran Dasar Terakhir Business Activities Run in 2023
Business Activities Based on the Latest Articles of Association Sudah Dijalankan Belum Dijalankan
Running Not Yet Running
Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu kontrak.
Conducting custodial activities for the benefits of others under a contract.
Melakukan penempatan dana dari nasabah lainnya dalam bentuk surat berharga yang
tidak tercatat di bursa efek.
Performing placement of funds from a customer to another customer in the form of
securities that are not listed in the stock exchange.
Membeli melalui pelelangan agunan, baik semua maupun sebagian, dalam hal debitur
tidak memenuhi kewajiban kepada bank, dengan ketentuan agunan tersebut wajib
dicairkan secepatnya.
Purchasing a collateral, either in whole or in part, through an auction in the event
that the debtor cannot meet its obligations to the Bank, provided that the purchased
collateral must be disbursed immediately.
Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali amanat.
Performing factoring activities, credit card business, and trustee activities.
Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang ditetapkan
oleh Bank Indonesia .
Performing foreign currency-related activities by fulfilling the provisions set by Bank Indonesia.
Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain di bidang
keuangan, seperti sewa guna usaha, modal ventura, perusahaan efek, asuransi serta
lembaga kliring dan penjaminan dan lembaga penyimpanan dan penyelesaian, dengan
memenuhi ketentuan yang ditetapkan oleh Bank Indonesia.
Conducting equity participation in a bank or other company in the field of finance,
leasing companies, venture capital firms, securities companies, insurance companies,
clearing and guarantee institutions, as well as depository and settlement institutions in
compliance with the provisions stipulated by Bank Indonesia.
Melakukan kegiatan penyertaan modal sementara untuk mengatasi kegagalan kredit,
dengan syarat harus menarik kembali penyertaannya, dengan memenuhi ketentuan-
ketentuan yang ditetapkan oleh Bank Indonesia.
Conducting temporary equity participation to cope with NPL, subject to withdrawal of
statements in accordance with the provisions stipulated by Bank Indonesia.
Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun sesuai dengan
ketentuan dalam peraturan perundang-undangan dana pensiun yang berlaku.
Acting as the pension fund’s founder and administrator in accordance with applicable
pension fund laws and regulations.
Menyediakan pembiayaan dan/atau melakukan kegiatan lain berdasarkan prinsip syariah
sesuai dengan ketentuan yang ditetapkan oleh Bank Indonesia dan/atau Otoritas Jasa
Keuangan.*)
Providing financing and/or carrying out other activities based on sharia principles,
according to provisions stipulated by Bank Indonesia and/or the Financial Services
Authority.*)
Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat kegagalan
pembiayaan berdasarkan prinsip syariah dengan syarat harus menarik kembali
penyertaannya dengan memenuhi ketentuan yang ditetapkan oleh Bank Indonesia dan/
atau Otoritas Jasa Keuangan.*)
Conducting temporary equity participation to cope with NPL based on sharia principles
subject to withdrawal of statement in accordanace with provisions stipulated by Bank
Indonesia and/or the Financial Services Authority.*)
*) Pada tanggal 1 Januari 2024, pemisahan Unit Usaha Syariah Bank Sinarmas telah efektif dilakukan. Dengan dipisahkannya Unit Usaha Syariah tersebut, maka selanjutnya Bank
Sinarmas tidak lagi melakukan kegiatan usaha syariah. Bank Sinarmas juga telah melakukan perubahan kegiatan usaha pada Pasal 3 Anggaran Dasar Bank Sinarmas sebagaimana
termaktub dalam Akta Pernyataan Keputusan Rapat Perubahan Anggaran Dasar PT. Bank Sinarmas Tbk. No. 3 tanggal 2 Januari 2024 yang dibuat di hadapan Aulia Taufani, S.H.,
Notaris di Jakarta yang telah memperoleh persetujuan sesuai dengan Surat Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. AHU-0000118.AH.01.02
Tahun 2024 tanggal 2 Januari 2024. / On January 1, 2024, the Spin-off of Bank Sinarmas's Sharia Business Unit was effective. With the Spin-off of this Sharia Business Unit, Bank
Sinarmas will no longer engage in Sharia business activities. Bank Sinarmas has also made changes to its business activities in Article 3 of the Bank’s Articles of Association as stated
in the Deed of Meeting Resolution of Amendments to Articles of Association of PT. Bank Sinarmas Tbk. No. 3 dated January 2, 2024, made before Aulia Taufani, S.H., a Notary in
Jakarta, which has obtained approval according to the Minister of Law and Human Rights of the Republic of Indonesia Decree No. AHU-0000118.AH.01.02 dated January 2, 2024.
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Produk dan Layanan/Jasa [POJK51- C.4]
Products and Services
Personal Banking
Simpanan Reksadana
Bancassurance
Savings Mutual Funds
• Deposito / Time Deposit • Danamas Rupiah Plus • Simas Prima
• Deposito On Call / On-Call Deposit • Danamas Dollar • Simas KID
• Tabungan Simas Diamond / Simas • Danamas Pasti • Smile Hospital Plus
Diamond Savings • Danamas Stabil • Dana Sejahtera
• Tabungan Simas Bisnis / Simas Business • Simas Satu Prima • AsuransiKu
Savings • Simas Syariah Berkembang • Simas Income Protection
• Tabungan Simas Gold / Simas Gold • Simas Satu • Sinarmas Maxi Life
Savings • Simas Saham Unggulan • Smile Medical
• Tabungan Simas Payroll / Simas Payroll • Simas Danamas Saham • Sinarmas Optima Plus
Savings • Simas Saham Maksima • Sinarmas Pension Plan
• Tabungan Co-branding / Co-branding • Reksa Dana Star Stable Income Fund / • Smile Flexi Link
Savings Star Stable Income Fund Mutual Fund • Dana Kompensasi Pascakerja (DPK)
• Simas Tabungan Rencana / Tabungan • Reksa Dana Simas Pendapatan Optima / DPLK Simas Jiwa / Kompensasi
Rencana Savings Simas Pendapatan Otima Mutual Fund Pascakerja (DPK) DPLK Simas Jiwa Fund
• Tabunganku / Tabunganku • Reksa Dana Terproteksi Star Protected • Program Pensiun Iuran Pasti (PPIP) DPLK
• Tabungan Simpanan Pelajar (SIMPEL) / XVIII / Star Protected XVIII Protected Simas Jiwa / Pensiun Iuran Pasti (PPIP)
Simpanan Pelajar (SIMPEL) Savings Mutual Fund DPLK Simas Jiwa Program
• Simac Basic Saving Account (BSA)
• Simas Valas / Simas Foreign Exchange
• Tabungan Rekening Dana P2P / Layanan Investasi
Kartu Kredit
Rekening Dana P2P Savings Reksadana
Credit Card
• Tabungan Simas Investor / Simas Mutual Funds
Investor Savings
• Tabungan Simas Digi / Simas Digi Simas Investment Plan
Savings • Kartu Kredit Korporat / Corporate
• Tabungan Rekening Dana Nasabah / Credit Card
Rekening Dana Nasabah Savings Penjaminan • Kartu Kredit Personal / Personal Credit
• Giro Sinarmas / Sinarmas Current Guarantees Card
Account
• Bank Garansi / Bank Guarantee
• Kontra Bank Garansi / Counter bank
Guarantee
Layanan Bank Sinarmas / Bank Sinarmas Services
Layanan Digital Lain-lain
Digital Services Others
CREDIT CARD • Internet Banking Lain-Lain / Others
• SimobiPlus Mobile Banking • Safe Deposit Box
PRISSA • Debit Card • Travelers Cheque
• Credit Card • Simas Holiday
• Automatic Teller Machine (ATM) • Payroll
• Phone Banking • Bill Payment
• 24 Hours Customer Care • Giro Biller
• Cardless Withdrawal
• Chat Box
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Business Banking
Pinjaman Ekspor Impor
Treasury
Loans Export Import
• Kredit Tanpa Agunan / Unsecured Loans • Penagihan Dokumen Impor Nasabah / • Telegraphic Transfer (TT)
• Kredit Pemilikan Mobil / Car Ownership Collection of Customer Import • Bank Notes (BN)
Loans Documents • FX Hedging (Spot/Forward/Swap)
• Kredit Multiguna / Multipurpose Loans • Penerbitan LC SKBDN Impor / Issuance • Deposito On Call (DOC)
• Kredit Modal Kerja / Working Capital of LC SKBDN Import • ODA for G7
Credit • Perubahan LC SKBDN / Revision of LC
• Kredit Investasi / Investment Loans SKBDN Import
• Kredit Back-to-Back / Back-to-Back Credit • Advice LC SKBDN
• Supply Chain Financing / Distributor • Penagihan Dokumen Ekspor Nasabah /
Financing Collection of Customer Export
• Kredit Mikro KUK / KUK Micro Credit Documents
• Kredit Usaha Rakyat (KUR) / People’s • Diskonto Dokumen LC SKBDN
Business Credit (KUR) (Berjangka) / Discount on LC SKBDN
• KMU Petani Sawit / Palm Oil Farmers Documents (Futures)
KMU • Negosiasi Dokumen LC SKBDN /
• Kredit Simas Agri / Simas Agri Loans SKBDN LC Document Negotiation
Perbankan Syariah / Sharia Banking
Simpanan
Savings
• Deposito Berjangka iB (Mudharabah Muthlaqah) / iB Time Deposit • TabunganKu iB (Wadiah) / iB My Savings (Wadiah)
(Mudharabah Muthlaqah) • Tabungan Simpanan Pelajar iB (Wadiah) / iB Student Savings (Wadiah)
• Deposito On Call iB (Mudharabah Muthlaqah) / iB On Call Deposit • Tabungan Simas Pintar iB (Wadiah) / Simas Smart iB Savings (Wadiah)
(Mudharabah Muthlaqah) • Tabungan Simas Multifinance iB (Mudharabah Muthlaqah) / Simas
• Tabungan Simas Diamond iB (Mudharabah Muthlaqah) / Simas Diamond Multifinance iB Savings (Mudharabah Muthlaqah)
iB Savings (Mudharabah Muthlaqah) • Giro Simas iB (Mudharabah Muthlaqah dan Wadiah) / Simas iB Current
• Tabungan Simas Bisnis iB (Mudharabah Muthlaqah dan Wadiah) / Simas Account (Mudharabah Muthlaqah dan Wadiah)
Business iB Savings (Mudharabah Muthlaqah and Wadiah) • Tabungan Penampungan Simas Umrah iB-Mudarabah / Simas Umrah
• Tabungan Simas iB (Mudharabah Muthlaqah dan Wadiah) / Simas iB Collection Savings iB-Mudarabah
Savings (Mudharabah Muthlaqah and Wadiah) • Tabungan Digi iB - Mudharabah / Digi Savings iB - Mudharabah
• Tabungan Simas Haji iB (Mudharabah Muthlaqah) / Simas Hajj iB Savings • Tabungan Valas iB - Mudharabah, Wadiah / Foreign Currency Savings
(Mudharabah Muthlaqah) iB - Mudharabah, Wadiah
• Tabungan Simpanan Emas iB (Mudharabah Muthlaqah) / Gold iB Savings • Giro Valas iB - Mudharabah, Wadiah / Foreign Currency Current Account
(Mudharabah Muthlaqah) iB - Mudharabah, Wadiah
• Tabungan Rencana Haji dan Umrah iB (Mudharabah Muthlaqah) / iB Hajj • Giro Governance - Mudharabah, Wadiah / Governance Current Account
and Umrah Plan Savings (Mudharabah Muthlaqah) - Mudharabah, Wadiah
• Rekening Tabungan Jemaah Haji (Wadiah) / Hajj Pilgrim Savings (Wadiah) • Giro DHE SDA iB - Mudharabah / DHE SDA Current Account iB -
• Tabungan Simas Saving Plan iB (Mudharabah Muthlaqah) / Simas Saving Mudharabah
Plan iB Savings (Mudharabah Muthlaqah) • Deposito DHE SDA iB - Mudharabah / DHE SDA Deposit iB - Mudharabah
• Tabungan Payroll iB (Mudharabah Muthlaqah) / Payroll iB Savings
(Mudharabah Muthlaqah)
Pembiayaan
Bancassurance
Financing
• Pembiayaan Modal Kerja iB (Mudharabah, Musyarakah, dan Murabahah) / Working • Power Save Syariah
Capital iB Financing (Mudharabah, Musyarakah, and Murabahah) • Simas Kid Syariah
• Pembiayaan Investasi iB (Murabahah dan Ijara Muntahiya Bittamlik - IMBT) / Investment iB • Personal Accident Sinarmas Life Syariah
Financing (Murabahah and Ijara Muntahiya Bittamlik - IMBT) • Smile Medical Syariah
• Simas Umroh iB
• Pembiayaan Kredit Usaha Rakyat (KUR) / People's Business Credit (KUR) Financing
• Pembiayaan Mikro Kredit Usaha Kecil (KUK) / Micro Business Credit (KUK) Financing
• Pembiayaan dengan Agunan Tunai / Cash Collateral Financing
• Pembiayaan Syariah / Sharia Financing
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Wilayah Operasional dan Jaringan [POJK51- C.3]
Operational and Network Area
Wilayah Operasional [POJK51-C.3]
Operational Area
Jaringan Kantor Office Networks 380 Kantor
Offices
Kalimantan Sulawesi & Gorontalo Papua & Maluku
23 Kantor / Offices 22 Kantor / Offices 9 Kantor / Offices
Sumatra
76 Kantor / Offices
DKI Jakarta & Banten
80 Kantor / Offices
Jawa Barat Jawa Timur
West Java East Java
80 Kantor / Offices 39 Kantor /
Offices
Jawa Tengah & DI Yogyakarta Bali &
Central Java & DI Yogyakarta Nusa Tenggara
80 Kantor / Offices 19 Kantor / Offices
Jaringan Kantor Layanan
Service Office Networks
Jaringan Kantor
Office Networks
Uraian 2023 2022 2021 Description
Kantor Cabang (KC) 68 68 68 Branch Officess
Kantor Cabang Pembantu (KCP) 191 189 191 Sub-Branch Officess
Kantor Fungsional Operasional (KFO) 64 69 71 Operational Functional Offices
Kantor Fungsional UMK (KF UMK) 11 13 22 Functional Offices for SMEs
Kantor Kas (KK) - - - Cash Offices
Unit Pelayanan Kas (UPK) - - - Cash Service Units
Kantor Cabang Syariah (KCS) 31 31 31 Sharia Branch Offices
Kantor Cabang Pembantu Syariah (KCPS) 10 - - Sharia Sub-Branch Offices
Kantor Fungsional Syariah (KFS) - - - Sharia Functional Offices
Kantor Kas Syariah (KKS) - 12 12 Sharia Cash Offices
Unit Pelayanan Kas Syariah (UPKS) - 18 13 Sharia Cash Services Units
Jaringan Kantor per Provinsi Tahun 2023
Office Networks per Province 2023
Jumlah
Provinsi / Province KC KCP KFO KF UMK KCS KCPS
Total
Nanggroe Aceh Darussalam - - - - 1 - 1
Sumatra Utara / North Sumatra 4 10 - - 1 - 15
Sumatra Selatan / South Sumatra 1 11 - - 1 - 13
Sumatra Barat / West Sumatra 1 2 - 1 1 - 5
Bengkulu 1 3 - 2 1 - 7
Laporan Tahunan dan Keberlanjutan 2023
64 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Jumlah
Provinsi / Province KC KCP KFO KF UMK KCS KCPS
Total
Riau / Riau Islands 2 6 - - 1 - 9
Kepulauan Riau 2 3 - - - - 5
Jambi 1 6 - - 1 - 8
Lampung 1 4 - 1 1 - 7
Bangka Belitung 2 2 - - - - 4
Kalimantan Barat / West Kalimantan 1 3 - - 1 - 5
Kalimantan Timur / East Kalimantan 2 3 1 - 1 - 7
Kalimantan Selatan / South Kalimantan 1 4 - - 1 - 6
Kalimantan Tengah / Central Kalimantan 1 2 1 - - - 4
Kalimantan Utara / North Kalimantan 1 - - - - - 1
Banten 1 8 5 - - - 14
DKI Jakarta 8 33 3 - 1 2 47
Jawa Barat / West Java 7 39 22 2 6 4 80
Jawa Tengah / Central Java 7 19 7 3 5 1 42
Daerah Istimewa Yogyakarta / Special Region of Yogyakarta 1 1 3 - 1 - 6
Jawa Timur / East Java 9 12 10 1 4 3 39
Bali 1 6 - - 1 - 8
Nusa Tenggara Timur / East Nusa Tenggara 1 2 1 - - - 4
Nusa Tenggara Barat / West Nusa Tenggara 1 3 1 1 1 - 7
Gorontalo 1 - 1 - - - 2
Sulawesi Barat / West Sulawesi 1 - - - - - 1
Sulawesi Tengah / Central Sulawesi 1 1 1 - - - 3
Sulawesi Utara / North Sulawesi 1 1 1 - - - 3
Sulawesi Tenggara / Southeast Sulawesi 1 1 2 - - - 4
Sulawesi Selatan / Southeast Sulawesi 1 4 3 - 1 - 9
Maluku Utara / North Maluku 1 - - - - - 1
Maluku 1 - 1 - - - 2
Papua Barat / West Papua - 1 - - - - 1
Papua 1 - 1 - - - 2
Papua Tengah / Central Papua - 1 - - - - 1
Papua Selatan / South Papua 1 - - - - - 1
Papua Barat Daya / Southwest Papua 1 - - - - - 1
Total 68 191 64 11 31 10 375
Keanggotaan pada Asosiasi [POJK51- C.5]
Membership in Associations
Nama Asosiasi Status Anggota
Organization Name Membership Status
Perhimpunan Bank Nasional / Indonesian Banks’ Association (PERBANAS) Aktif / Active
Asosiasi Sistem Pembayaran Indonesia / Indonesian Payment System Association (ASPI) Aktif / Active
Asosiasi Emiten Indonesia / Indonesian Public Listed Companies Association Aktif / Active
Forum Komunikasi Direktur Kepatuhan Perbankan / Communication Forum for Banking Compliance Director (FKDKP) Aktif / Active
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia / Indonesian Institute for Alternative Banking
Aktif / Active
Dispute Resolution (LAPSPI)
Indonesian Corporate Secretary Association (ICSA) Aktif / Active
Kamar Dagang & Industri Indonesia (KADIN) / Indonesian Chamber of Commerce and Industry (KADIN) Aktif / Active
Asosiasi Bank Syariah Indonesia (Asbisindo) / Indonesian Sharia Bank Association (ASBISINDO) Aktif / Active
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Struktur Organisasi
Organizational Structure
General Meeting of
Shareholders
ALCO
Credit Committee Syariah Supervisory
Board
Risk Management Committee
Information Technology Committee
Human Capital CommitteeGaris
President Director
Frenky Tirtowijoyo
Sharia Sharia
Compliance & Risk Sharia Financing Optimization Retail Banking
Management Director Director Director Director Director
Hanafi Himawan Halim Soejanto Uzan Miko Andidjaja
Soetjijo Tedjamulia
Advisor Deposit
Credit Loan Sharia Sharia Digital Sharia Digital Sales Micro, Small Corporate &
Credit Risk Anti Fraud to Sharia Investment Sales &
Management Recovery Business Transformation Financing Sharia Business & Marketing & Medium Commercial
Management Management Compliance Legal Director Product Distribution
(Corporate & Andreas Unit Office Strategy Process & Samuel Enterprise Banking
(MSME & Septiana Development Maureen Setiawan
Commercial) Amandalia Budi Setiawan Femmy Priyo Herbudhi Quality Tanuwidjaja Business Loan Fathur Rosidin
Consumer) Jelika Halim Junaidi Suyono Wijaya Suyono Wijaya Orlena Tirtasari
Johanes Nugroho Setiotomo Management
Anula Putra Ariyanto Muktiono
Prisilia Maurin Hermansyah Darwanti Wibowo
Juliastuti Haryo
Anti Fraud Regional
Loan Office
Management Sharia DTO
Recovery Sharia DTO Sharia DTO (IT)
Credit (Consumer, Yulia (Digital
Credit (Digital Product Martinus S
Analyst Operational Credit Card, Ratnawati Analytics)
Analyst Management) Rohadi
& Policy & IT Risk Micro & vacant Financing
(MSME & Sharia Business
(Corporate & Management SME) Sonnibono Analyst Digital Bancassurance Branch Micro Loan
Consumer) Optimization Corporate
Commercial) Hanifa Nur Listyantanta Marketing
Rini Selvi Gunawarman* Cynthia Zaheri Banking &
vacant Sherley Miranty Commercial
Yuviawati vacant Tjandrawinata
Sharia DTO Sibarani Business
(Business Services &
Sharia DTO (IT)
Shari DTO Intelligence & Portfolio
Credit Policy Credit Market, Data Science) Vacant Sharia Financing MSME Business
Loan (Operations) Management
& Early Analyst Liquidity & Business Management
Warning Recovery vacant Dodik Arianto Deposit Product Six Finish Wella
& Early Enterprise SND Sales & Donny Tri
(MSME & (Corporate, FX Hendrick Rindang Retno
Warning Risk Sharia Business Digital Sales Ling-ling Segmentation Cahyadi
Consumer) Commercial Susanto Wulandari
(Corporate & Management Optimization
Commercial) & SME) Triyandi Tanri Silfanus Barita
Adi Ciptaning Margareth Sharia DTO Sharia DTO (Financing) Setiawan
Wirabhuana Toni Supomo Iskandar vacant (Digital (EDM)
Novita Budi Lestari
Legal (Credit Information Robby Aprialdo Investment Commercial
& Corporate) Security) Sharia Micro Product MSME Banking
Afendra Eka Financing Relationship Acquisition
vacant Poety Amelia Sari
Credit Risk Compliance Saputra Key Account Management
Achmad Riza
Management Advisory & Sharia Business Management Mohamad Yusuf
Kurniawan
Retno Fitriani Testing (GCG, Anti Optimization Corporate
Henny
Penyuapan, SF, Sharia DTO (Operational) Banking
Tjandrawinata
Credit, Digital & IT) (Digital Sales & Wealth
Litigation vacant
Theresia Tyas Piwi Marketing) Management
Liana Devi Sharia Special Business
Torar vacant Segment SME Loan
Performance
Financing & Market vacant
Compliance Sari Indriati Intelligence
Advisory &
Sharia DTO Andrie Rachman
Testing (Operating
& Support, (Terasury & FI)
Treasury & FI, Risk Andy Setiawan
Management, Sharia
Securities Services) Community
Banking
vacant Contact Center,
Sharia DTO Wahyu Adhi Telemarketing,
(FPM) Nugroho & Consumer Agent Banking
vacant Protection Iman Budiman
Compliance Hendra Goenawan
Advisory & Testing
(Sharia)
Muhammad
Ridwan S. Sales &
Distribution
Enablement
Sharia Regional Claudia Widjaja
AML & CTF Office
Dyah Hapsari Dewi
Sharia Branch
Compliance System
Development, MIS
& AML/CTF Quality Sharia Branch
Management (KCS Jakarta)
Leonardi Wendy
Maxkinto
Sharia Key
Account
Management
Nobby Suhendra Efektif berlaku per 11 Juli 2023
Effective as of July 11, 2023
Sharia Funding Jabatan Managerial
Business Managerial Position
Achmad Fatihoni
Jabatan Individual Contributor
Individual Contributor Position
Sharia Sales
& Distribution
Karyawan Cabang
Enablement Branch Employees
Shanty Kurniawati
Purwaningrum Garis Reporting Line
Reporting Line
Garis Koordinasi
Coordination Line
* Status Penugasan Sementara
Temporary Assignment Status
** Status Rangkap Jabatan
Concurrent Position Status
Laporan Tahunan dan Keberlanjutan 2023
66 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Board of
Commissioners
Audit Committee
Risk Monitoring Committee
Remuneration & Nomination Committee
Integrated Good Corporate Governance Committee
Board of Directors
Information Technology
Lending & Wholesale Operations & Data
& Digital Experience
Banking Director Analytics Director
Director
Ekajaya Ongny Putra Enny Kamal
Sendy
IT Governance,
Strategy, Customer IT Infrastructure,
Corporate Banking Treasury & Consumer Artificial
Architecture, Facing & DevOps, Credit Credit
Business Solution Financial Instiution Payment & Technical Product & Digital Business Intelligence &
Planning & Internal Product IT Engineering Operations Card Administration & Operations
Transaction Management Loan Intelligence Decision Scinence
Yoseph Hari Pramono Anup Kumar Information Management Irwan Wijaya** & Product Wendy Control Rudyanto
Yenni Security Irwan Wijaya Assurance Anwar Ade Santy Jamhari Yosua Jabby
Christian Arry Widjaja Fera Febriani
Widjaya Setyobudhi
Christian Arry Budiman** Julianto
Budiman
Regional Corporate Treasury Sales
Banking Funding Raden Bagus
Marcelina A. Nelly Krisnadi
Product Product Analytics
Regional Payment & IT Strategy Digital Core Banking Branch Network
Treasury Business Management Management Product
Corporate Transaction & Program IT Customer Card CAC Operations Development
Management (Digital (Middleware Engineering 1 Digital Loan Development
Banking Business Management Infrastructure Relationship Center Operations
vacant Banking & API Banking vacant Management Yenny Dody Vaircana Elyza Riky
Funding Development Office vacant vacant vacant & Custody
Product) Product) Subhawani
Liana Wilianti vacant Suhendri Berlian Saltiar
vacant vacant Setiawan
Service Quality Electronic
Corporate
Asset & Liability Nani Sandri Channel
Services &
Management Operations
Support Payment & IT Governance, Product Change
Merliana Product Consumer CAC Rony Arif
vacant Transaction Risk, Management Control, Analytics
Management Engineering 2 & Digital Business Monitoring,
Business Compliance (Branch DevOps & Technical Letter of Credit
(Core Banking) Loan Inteligence Reporting,
Development & & Product Banking Angga Firlana Deployment Development & Treasury
Muhammad & System
Partnership Operations Product) Ade Nugroho Management vacant Hendra Dwi Operations Business
Hadlan Procedure
Willy Septaviano vacant vacant Widjojo PutraSakti Fajar Surachmad Resilience &
Corporate Foreign Exchange Johanes Prima Komarudin
Continuity
Banking Funding Interbank
Management
Alvin Putra Dedy Product Engineering
Enterprise Product 3 Budi Susanto
Management IT Operations Reconciliation
Architecture Management
(Card, Payment vacant & Product Sales Force
Rico Prawira (Enterprise Dwirani Novianti
& Transactions Assurance Management
Data &
Product) General Affair
Analytics) Suhendra
Core Corporate Erick Wilaga Fajar Rachmat Hendry
Fixed Income Rasman
Banking Funding Dotulong vacant Engineering Operational Juharmein*
Khalid Abdurrahman Enterprise Data Development
Jeffrey Tando Government 4
& System
vacant Product vacant Procedure
Management Facilities
(Funding, Tjioe Mayga
Management
Wealth & Wati Tri P.A
Corporate Software & Payment
IT Finance & Treasury Quality Process
Banking Solution Financial
Budgeting Product) Assurance
& Business Institution Veronica
Initiative Bennita Hermawan Regional Susanto
Ursula Kathleen vacant
Lonardi Operations
vacant
IT Procurement,
Vendor & Asset Product
Management Management
Pratomo Wijaya (Lending
Product)
Florian Kurniadhi
Advisor to Lending
Securities Information
& Wholesale
Services Security Sigit
Banking Director Product Finance &
Furiyanto Budiono Human Capital
Didon Novianto Management Internal Audit Performance
Management
(Compliance, Frieda Junia Management
Christina Suryadinata
Risk & vacant
Assurance
Product)
Security vacant
Indirect Channel &
Services
Collateral Valuation Corporate Human Capital Financial Planning
Operations Head Office Audit
Yohannes Hutagalung Secretary System & Strategy & Controlling
Gernhard Resa Product Kanthi Nalarantini
Retno Tri Wulandari Bayu Aji Wicaksono Thedy Sherley
Management
(Enterprise
Product)
Strategic
vacant Credit Risk Audit Organization Perfomance
Edwin Wijaya Sutisna Development Management
& Industrial Giscard*
Corporate Liaison
Relations
Product Yustinus Ivan
Edita R Anastasia
Management Setiawan
Treasury & Risk
(Sharia Banking Management Accounting
Product)) Audit Tjong Kwet Hiong
Sukma Wijaya Theresia Meliana Human Capital
SoelistijoWicaksono Performance &
Corporate Data Management
Strategic Program
Rully D. Wibowo Finance
Product Design and Development
Management IT & Digital Sony Agus
Stanisiaus Salvian Banking Audit
vacant
vacant Human Capital
Business Partner
(IT, Digital, &
Market & UX Business)
Research Branch Network &
Sharia Audit Arif Priharsanta
vacant
Yoto Miharja
Digital Product Audit
Owner Methodology &
vacant Quality Assurance
Elizabeth Megawati
Audit Data
Analytics
Zulkarnaen
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Profil Dewan Komisaris
Profile of the Board of Commissioners
Riwayat Pendidikan
Educational Background
Sarjana Ekonomi, Universitas Satya Wacana, Salatiga (1986).
Bahelor of Economics, Satya Wacana Univeristy, Salatiga (1986).
Riwayat Pekerjaan
Work Experience
• Menjadi bagian tim inti pendirian Bank Sinarmas (d/h Bank Shinta) serta
menduduki berbagai jabatan strategis, yakni:
- Direktur Utama (2003-2010);
- Direktur Credit dan Marketing (2002-2003);
- Group Leader Credit dan Marketing (2001-2002);
- Wakil Pimpinan Cabang dan Pemimpin Cabang (1992-2001);
• Assistant Manager Pemasaran PT Sulindafin (1988-1989); serta
• Manager Keuangan PT Lima Sempurna Makmur (1986).
• Part of the core team in establishing Bank Sinarmas (formerly Bank Shinta) and
holding various strategic positions, namely:
- President Director (2003-2010);
- Diretor of Credit and Marketing (2002-2003);
Tjendrawati Widjaja - Group Leader Credit and Marketing (2001-2002);
- Vice Branch Manager and Branch Manager (1992-2001);
Komisaris Utama • Assistant Marketing Manager of PT Sulindafin (1988-1989); and
President Commissioner • Finance Manager of PT Lima Sempurna Makmur (1986).
Kewarganegaraan / Citizenship
Indonesia Rangkap Jabatan
Concurrent Position
• Anggota Komite Pemantau Risiko Bank Sinarmas (sejak 2021); dan
Domisili / Domicile • Anggota Komite Remunerasi dan Nominasi Bank Sinarmas (sejak 2020).
Jakarta • Member of Risk Monitoring Committee of Bank Sinarmas (since 2021); and
• Member of Remuneration and Nomination Committee of Bank Sinarmas (since
2020).
Usia / Age
60 tahun / years old
Sertifikasi Profesi
Professional Certification
Periode dan Dasar Hukum
Pengangkatan Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
Term of Office and Legal Basis of (BSMR) (2023).
Appointment Risk Management Competency Level 5 by the Risk Management Certification Body
Pertama kali diangkat sebagai Komisaris (BSMR) (2023).
Utama berdasarkan Keputusan RUPS Luar
Biasa per tanggal 21 Desember 2009
dan efektif menjabat sejak 20 April 2010 Hubungan Afiliasi
dengan akhir periode jabatan hingga Affiliated Relationship
dilaksanakannya RUPS Tahunan 2026.
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
First appointment as President Pemegang Saham Pengendali.
Commissioner was based on the
Extraordinary GMS Resulotion dated Has no affiliation with members of the Board of Commissioners, the Board of
December 21, 2009, and has effectively Directors, and Controlling Shareholders.
served since April 20, 2010, with the end
of the term of office until the 2026 Annual
GMS.
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Riwayat Pendidikan
Educational Background
• Doctor of Philosophy (PhD) bidang Strategi dan Bisnis Internasional, City University
of London (1998);
• Master of Science in Management, ADL Management Education Institute,
Cambridge, United States (1988); dan
• Sarjana Ekonomi jurusan Akuntansi, Universitas Indonesia (1980).
• Doctor of Philosophy (PhD) in International Strategy and Business, City University
of London (1998);
• Master of Science in Management, ADL Management Education Institute,
Cambridge, United States (1988); and
• Bachelor of Economics in Accounting, University of Indonesia (1980).
Riwayat Pekerjaan
Work Experience
• Rektor Universitas Prasetya Mulya (2004-2012);
• Fasilitator Indonesian Institute of Corporate Directorship (IICD) (2003-2012); dan
• Chief of Accountant Bank Dagang Nasional Indonesia (1980-1983).
• Rector of Prasetya Mulya University (2004-2012);
Sammy Kristamuljana • Facilitator at Indonesian Institute of Corporate Directorship (IICD) (2003-2012); and
• Chief of Accountant of Bank Dagang Nasional Indonesia (1980-1983)
Komisaris Independen
Independent Commissioner
Kewarganegaraan / Citizenship Rangkap Jabatan
Concurrent Position
Indonesia
Ketua Komite Audit Bank Sinarmas (sejak 2021).
Chairman of Audit Committee of Bank Sinarmas (since 2021)
Domisili / Domicile
Jakarta
Sertifikasi Profesi
Professional Certification
Usia / Age
Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
69 tahun / years old (BSMR) (2023).
Risk Management Competency Level 5 by the Risk Management Certification Body
Periode dan Dasar Hukum (BSMR) (2023).
Pengangkatan
Term of Office and Legal Basis of
Appointment Hubungan Afiliasi
Pertama kali diangkat sebagai Komisaris Affiliated Relationship
Independen berdasarkan Keputusan
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
RUPS Luar Biasa per tanggal 15 Juni 2012
Pemegang Saham Pengendali.
dan efektif menjabat sejak 3 Juli 2012
dengan akhir periode jabatan hingga Has no affiliation with members of the Board of Commissioners, the Board of
dilaksanakannya RUPS Tahunan 2026. Directors, and Controlling Shareholders.
First appointment as an Independent
Commissioner was based on the
Extraordinary GMS Resolution dated
June 15, 2012, and has effectively served
since July 3, 2012, with the end of the term
of office until the 2026 Annual GMS.
2023 Annual and Sustainability Report
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Riwayat Pendidikan
Educational Background
• Doctor, Curtin University of Technology, Australia (2007);
• Master College of Business and Public Affairs, Murray State University, United
States (1994); dan
• Sarjana Ekonomi, Sekolah Tinggi Ilmu Ekonomi Yayasan Keluarga Pahlawan
Negara (1986).
• Doctor, Curtin University of Technology, Australia (2007);
• Master College of Business and Public Affairs, Murray State University, United
States (1994); and
• Bachelor of Economics, Sekolah Tinggi Ilmu Ekonomi Yayasan Keluarga Pahlawan
Negara (1986)
Riwayat Pekerjaan
Work Experience
• Anggota Komite Audit BNI Sekuritas (2012-2014);
• Anggota Komite Audit Bank Windu Kentjana (2009-2012);
• Dosen dan Kepala Lembaga Penelitian Manajemen dan Akuntansi Akademi
Akuntansi Yayasan Keluarga Pahlawan Negara (1985-2009); serta
• Asisten Auditor Kantor Akuntan Publik Hadori & Co (1982).
Rusmin • Member of Audit Committee of BNI Sekuritas (2012-2014);
• Member of Audit Committee of Bank Windu Kentjana (2009-2012);
Komisaris Independen • Lecturer and Head of Management and Accounting Research Institute at the
Independent Commissioner Academy of Accounting, Yayasan Keluarga Pahlawan Negara (1985-2009); and
• Auditor Assistant at Public Accounting Firm Hadori & Co (1982).
Kewarganegaraan / Citizenship
Indonesia
Rangkap Jabatan
Concurrent Position
Domisili / Domicile • Ketua Komite Pemantau Risiko Bank Sinarmas (sejak 2021);
Jakarta • Ketua Komite Remunerasi & Nominasi Bank Sinarmas (sejak 2020);
• Anggota Majelis Kehormatan Kode Etik Badan Pemeriksa Keuangan (sejak 2019);
serta
Usia / Age • Dosen Universitas Teknologi Yogyakarta (sejak 2009).
64 tahun / years old • Chairman of Risk Monitoring Committee of Bank Sinarmas (since 2021);
• Chairman of Remuneration & Nomination Committee of Bank Sinarmas (since 2020);
• Honorary Board Member of Code of Ethics of Audit Board of the Republic of
Periode dan Dasar Hukum Indonesia (since 2019); and
Pengangkatan • Lecturer at Yogyakarta Technology University (since 2009).
Term of Office and Legal Basis of
Appointment
Sertifikasi Profesi
Pertama kali diangkat sebagai Komisaris
Independen berdasarkan Keputusan RUPS
Professional Certification
Luar Biasa per tanggal 13 Juni 2014 dan Kompetensi Manajemen Risiko Level 2 oleh Badan Sertifikasi Manajemen Risiko
efektif menjabat sejak 19 Juni 2014 (BSMR) (2023).
dengan akhir periode jabatan hingga Risk Management Competency Level 2 by the Risk Management Certification Body
dilaksanakannya RUPS Tahunan 2026.
(BSMR) (2023).
First appointment as an Independent
Commissioner was based on the
Extraordinary GMS Resolution dated Hubungan Afiliasi
June 13, 2013, and has effectively served
Affiliated Relationship
since June 19, 2014, with the end of the
term of office until the 2026 Annual GMS. Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of
Directors, and Controlling Shareholders.
Perubahan Komposisi Anggota Dewan Changes to the Board of Commissioners’
Komisaris Composition
Tidak terdapat perubahan komposisi anggota Dewan Komisaris There was no change in the Board of Commissioners’ composition
selama tahun 2023 hingga Laporan Tahunan dan Keberlanjutan in 2023 until this Annual and Sustainability Report is pubslihed.
ini diterbitkan.
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Profil Direksi
Profile of the Board of Directors
Riwayat Pendidikan
Educational Background
• Master of Business Administration, National University of Singapore (2009); dan
• Bachelor of Business Administration in Finance, Texas A&M University (1998).
• Master of Business Administration, National University of Singapore (2009); and
• Bachelor of Business Administration in Finance, Texas A&M University (1998).
Riwayat Pekerjaan
Work Experience
• Direktur Bank Sinarmas (2015-2017);
• Senior Business Analyst, Group Operational Risk Assurance, dan Senior Manager
CDD Operation & Approver Standard Chartered Bank, Singapore (2007-2014);
• Senior Manager Consumer Banking Operations Standard Chartered Bank,
Indonesia (2006-2007);
• Assistant Vice President Legacy Texas Bank (2003-2005);
• Credit Portfolio Manager Northern Trust Bank (2022); serta
• Banking Officer dan Senior Credit Analyst Legacy Texas Bank (1998).
• Director of Bank Sinarmas (2015-2017);
• Senior Business Analyst, Group Operational Risk Assurance, and Senior Manager
Frenky Tirtowijoyo CDD Operation & Approver of Standard Chartered Bank, Singapore (2007-2014);
• Senior Manager Consumer Banking Operations of Standard Chartered Bank,
Direktur Utama
Indonesia (2006-2007);
President Director
• Assistant Vice President of Legacy Texas Bank (2003-2005);
• Credit Portfolio Manager of Northern Trust Bank (2022); and
Kewarganegaraan / Citizenship • Banking Officer and Senior Credit Analyst of Legacy Texas Bank (1998).
Indonesia
Domisili / Domicile Rangkap Jabatan
Concurrent Position
Jakarta
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Usia / Age
47 tahun / years old
Sertifikasi Profesi
Professional Certification
Periode dan Dasar Hukum
Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
Pengangkatan
(BSMR) (2023).
Term of Office and Legal Basis of
Appointment Risk Management Competency Level 5 by the Risk Management Certification Body
(BSMR) (2023).
Pertama kali diangkat sebagai Direktur
Utama berdasarkan Keputusan RUPS
Luar Biasa per tanggal 8 September 2017 Hubungan Afiliasi
dengan akhir periode jabatan hingga Affiliated Relationship
dilaksanakannya RUPS Tahunan 2026.
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
First appointment as President Director Pemegang Saham Pengendali.
was based on the Extraordinary GMS Has no affiliation with members of the Board of Commissioners, the Board of
Resolution dated September 8, 2017, with Directors, and Controlling Shareholders
the end of the term of office until the 2026
Annual GMS.
2023 Annual and Sustainability Report
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Riwayat Pendidikan
Educational Background
Sarjana Ekonomi bidang Akuntansi, Universitas Advent Indonesia, Bandung (1985).
Bachelor of Economics majoring in Accounting, Advent Indonesia University,
Bandung, (1985).
Riwayat Pekerjaan
Work Experience
• Group Head Human Capital Management & Branch Network Development Bank
Sinarmas (2011-2012);
• Kepala Wilayah Bank Sinarmas (2008-2011);
• Project Officer Bank Sinarmas (2007-2008);
• Berbagai posisi strategis, dengan jabatan terakhir sebagai Area Home Loan
Manager Bank Internasional Indonesia (1990-2007); serta
• Berbagai jabatan strategis, dengan jabatan terakhir sebagai Account Officer Bank
Dagang Nasional Indonesia (1986-1990).
• Group Head Human Capital Management & Branch Network Development of
Bank Sinarmas (2011-2012);
• Regional Head of Bank Sinarmas (2008-2011);
Halim • Project Officer of Bank Sinarmas (2007-2008);
• Various strategic positions, with the last position as Area Home Loan Manager of
Direktur Syariah Bank Internasional Indonesia (1990-2007); and
Sharia Director • Various strategic positions, with the last position as Account Officer of Bank
Dagang Nasional Indonesia (1986-1990).
Kewarganegaraan / Citizenship
Indonesia
Rangkap Jabatan
Domisili / Domicile Concurrent Position
Jakarta Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Usia / Age
61 tahun / years old Sertifikasi Profesi
Professional Certification
Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
Periode dan Dasar Hukum
(BSMR) (2023).
Pengangkatan
Term of Office and Legal Basis of Risk Management Competency Level 5 by the Risk Management Certification Body
(BSMR) (2023).
Appointment
Pertama kali diangkat sebagai Direktur
Utama berdasarkan Keputusan RUPS
Luar Biasa per tanggal 15 Juni 2012 Hubungan Afiliasi
dengan akhir periode jabatan hingga Affiliated Relationship
dilaksanakannya RUPS Tahunan 2026. Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
First appointment as Sharia Director was Pemegang Saham Pengendali.
based on the Extraordinary GMS Resolution Has no affiliation with members of the Board of Commissioners, the Board of
dated June 15, 2012, with the end of the Directors, and Controlling Shareholders.
term of office until the 2026 Annual GMS.
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Riwayat Pendidikan
Educational Background
Sarjana Ekonomi, Universitas Trisakti, Jakarta (1986).
Bachelor of Economic, Trisakti University, Jakarta (1986).
Riwayat Pekerjaan
Work Experience
• Group Head Compliance Bank Sinarmas (2012-2013);
• Direktur Utama NISP Asset Management (2011-2012);
• Direktur PT NISP Sekuritas (2007-2011); serta
• Berbagai posisi strategis di Bank Internasional Indonesia, yakni Pimpinan Cabang,
Regional Manager, Kepala Divisi, Tim Pengelola, dan Group Head (1987-2007).
• Group Head Compliance of Bank Sinarmas (2012-2013);
• President Director of NISP Asset Management (2011-2012);
• Director of PT NISP Sekuritas (2007-2011); serta
• Various strategic positions at Bank Internasional Indonesia, namely Head of
Branch Office, Regional Manager, Head of Division, Management Team, and
Group Head (1987-2007).
Hanafi Himawan
Direktur Compliance and Risk Management Rangkap Jabatan
Compliance and Risk Managaement Director Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Kewarganegaraan / Citizenship Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Indonesia
Sertifikasi Profesi
Domisili / Domicile
Professional Certification
Jakarta Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
(BSMR) (2023).
Usia / Age Risk Management Competency Level 5 by the Risk Management Certification Body
(BSMR) (2023).
63 tahun / years old
Periode dan Dasar Hukum Hubungan Afiliasi
Pengangkatan Affiliated Relationship
Term of Office and Legal Basis of Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
Appointment Pemegang Saham Pengendali.
Pertama kali diangkat sebagai Direktur Has no affiliation with members of the Board of Commissioners, the Board of
Utama berdasarkan Keputusan RUPS Directors, and Controlling Shareholders
Luar Biasa per tanggal 10 Juni 2013
dengan akhir periode jabatan hingga
dilaksanakannya RUPS Tahunan 2026.
First appointment as Compliance and
Risk Management Director was based on
the Extraordinary GMS Resolution dated
June 10, 2013, with the end of the term of
office until the 2026 Annual GMS.
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Riwayat Pendidikan
Educational Background
Sarjana Ekonomi bidang Akuntansi, Universitas Katolik Parahyangan, Bandung
(1990).
Bachelor of Economics in Accounting, Parahyangan Catholic University, Bandung
(1990).
Riwayat Pekerjaan
Work Experience
• Direktur Utama Bank Capital Indonesia (2013-2014);
• Direktur MNC Finance (2005-2012);
• Kepala Divisi Pemasaran dan Kredit Komersial Bank Kesawan (2002-2004);
• Area Manager dan Kepala Biro Kredit Unibank (1997-2001);
• Berbagai posisi strategis di Bank Internasional Indonesia, yakni Account Officer,
Analis Kredit, Anggota Tim Remedial Kredit, Wakil Pemimpin Cabang, dan
Pemimpin Cabang (1989-1997).
• President Director of Bank Capital Indonesia (2013-2014);
• Director of MNC Finance (2005-2012);
• Head of Marketing and Commercial Credit Division of Bank Kesawan
Soejanto Soetjijo (2002-2004);
• Area Manager and Head of Credit Bureau of Unibank (1997-2001); and
Direktur Sharia Financing
• Various strategic positions at Bank Internasional Indonesia, namely Account
Sharia Financing Director
Officer, Credit Analyst, Member of the Credit Remedial Team, Deputy Branch
Manager and Branch Manager (1989-1997).
Kewarganegaraan / Citizenship
Indonesia
Rangkap Jabatan
Domisili / Domicile Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Jakarta
Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Usia / Age
58 tahun / years old Sertifikasi Profesi
Professional Certification
Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
Periode dan Dasar Hukum (BSMR) (2023).
Pengangkatan
Risk Management Competency Level 5 by the Risk Management Certification Body
Term of Office and Legal Basis of (BSMR) (2023).
Appointment
Pertama kali diangkat sebagai Direktur
Utama berdasarkan Keputusan RUPS
Luar Biasa per tanggal 24 Maret 2015 Hubungan Afiliasi
dengan akhir periode jabatan hingga Affiliated Relationship
dilaksanakannya RUPS Tahunan 2026. Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
First appointment as Sharia Financing Pemegang Saham Pengendali.
Director was based on the Extraordinary Has no affiliation with members of the Board of Commissioners, the Board of
GMS Resolution dated March 24, 2015, Directors, and Controlling Shareholders.
with the end of the term of office until the
2026 Annual GMS.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Riwayat Pendidikan
Educational Background
• Master of Business Administration, University of East London, United Kingdom
(1998); dan
• Sarjana Administrasi Bisnis, Universitas Atmajaya (1995).
• Master of Business Administration, University of East London, United Kingdom
(1998); and
• Bachelor of Business and Administration at Atmajaya University (1995).
Riwayat Pekerjaan
Work Experience
• National Sales and Distribution Head Bank Sinarmas (2015-2018);
• Privilege Banking Business Head Bank UOB Indonesia (2014-2015); dan
• Deposit/Funding, Investment, and Insurance (DIII) Sales Head Bank UOB Indonesia
(2010-2013).
• National Sales and Distribution Head of Bank Sinarmas (2015-2018);
• Privilege Banking Business Head of Bank UOB Indonesia (2014-2015); and
• Deposit/Funding, Investment, and Insurance (DIII) Sales Head of Bank UOB
Indonesia (2010-2013).
Miko Andidjaja
Direktur Retail Banking
Retail Banking Director Rangkap Jabatan
Concurrent Position
Kewarganegaraan / Citizenship Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Indonesia Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Domisili / Domicile
Sertifikasi Profesi
Jakarta Professional Certification
Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
(BSMR) (2023).
Usia / Age
Risk Management Competency Level 5 by the Risk Management Certification Body
52 tahun / years old (BSMR) (2023).
Periode dan Dasar Hukum
Pengangkatan Hubungan Afiliasi
Term of Office and Legal Basis of Affiliated Relationship
Appointment Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
Pemegang Saham Pengendali.
Pertama kali diangkat sebagai Direktur
Has no affiliation with members of the Board of Commissioners, the Board of
berdasarkan Keputusan RUPS Luar Biasa
Directors, and Controlling Shareholders.
per tanggal 5 Desember 2018 dengan akhir
periode jabatan hingga dilaksanakannya
RUPS Tahunan 2026.
First appointment as Director was based on
the Extraordinary GMS Resolution dated
December 5, 2018, with the end of the
term of office until the 2026 Annual GMS.
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Riwayat Pendidikan
Educational Background
Sarjana Teknik Sipil, Institut Teknologi Nasional, Malang (1990).
Bachelor of Civil Engineering, National Institute of Technology, Malang (1990).
Riwayat Pekerjaan
Work Experience
• Sharia Strategic Initiatives Group Head Bank Sinarmas (2020);
• Group Head Sales & Distribution Bank Sinarmas (2016-2020); dan
• National Commercial Business Head OCBC NISP (2013-2015).
• Sharia Strategic Initiatives Group Head of Bank Sinarmas (2020);
• Group Head Sales & Distribution of Bank Sinarmas (2016-2020); and
• National Commercial Business Head of OCBC NISP (2013-2015).
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Uzan Tedjamulia Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Direktur Sharia Optimization
Sharia Optimization Director
Sertifikasi Profesi
Kewarganegaraan / Citizenship Professional Certification
Indonesia Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
(BSMR) (2023).
Risk Management Competency Level 5 by the Risk Management Certification Body
Domisili / Domicile (BSMR) (2023).
Jakarta
Hubungan Afiliasi
Usia / Age Affiliated Relationship
58 tahun / years old Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of
Periode dan Dasar Hukum Directors, and Controlling Shareholders.
Pengangkatan
Term of Office and Legal Basis of
Appointment
Pertama kali diangkat sebagai Direktur
Utama berdasarkan Keputusan RUPS
Tahunan 14 Juni 2022 dan efektif menjabat
sejak tanggal 14 Juni 2022 dengan akhir
periode jabatan hingga dilaksanakannya
RUPS Tahunan 2026.
First appointment as Sharia Optimization
Director was based on the Annual GMS
Resolution dated June 14, 2022, with the
end of the term of office until the 2026
Annual GMS.
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Riwayat Pendidikan
Educational Background
Sarjana Teknik Sipil, Universitas Atmajaya, Makassar (2009).
Bachelor of Civil Engineering, Atmajaya University, Makassar (2009).
Riwayat Pekerjaan
Work Experience
• Corporate Banking Group Head Bank Sinarmas (2022); dan
• Loan Recovery Group Head Bank Sinarmas (2020-2022).
• Corporate Banking Group Head of Bank Sinarmas (2022); and
• Loan Recovery Group Head of Bank Sinarmas (2020-2022).
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Ekajaya Ongny Putra
Direktur Lending & Wholesale Banking
Lending & Wholesale Banking Director Sertifikasi Profesi
Professional Certification
Kewarganegaraan / Citizenship Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
(BSMR) (2023).
Indonesia
Risk Management Competency Level 5 by the Risk Management Certification Body
(BSMR) (2023).
Domisili / Domicile
Jakarta
Hubungan Afiliasi
Affiliated Relationship
Usia / Age
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
35 tahun / years old Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of
Directors, and Controlling Shareholders.
Periode dan Dasar Hukum
Pengangkatan
Term of Office and Legal Basis of
Appointment
Pertama kali diangkat sebagai Direktur
berdasarkan Keputusan RUPS Tahunan
per tanggal 14 Juni 2022 dan efektif
menjabat sejak tanggal 11 Oktober 2022
dengan akhir periode jabatan hingga
dilaksanakannya RUPS Tahunan 2026.
First appointment as Director was based
on the Annual GMS Resolution dated June
14, 2022, and has effectively served since
October 11, 2022, with the end of the
term of office until the 2026 Annual GMS.
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Riwayat Pendidikan
Educational Background
Sarjana Ekonomi jurusan Akuntansi, Universitas HKBP Nommensen, Medan (1989).
Bachelor of Economics in Accounting, HKBP Nommensen University, Medan (1989).
Riwayat Pekerjaan
Work Experience
• Group Head Operations Bank Sinarmas (Januari 2023-Juni 2023); serta
• Assisstant to President Director Bank Sinarmas (2023); serta
• Kepala Kantor Wilayah V Bank Central Asia (2019-2022).
• Group Head Operations of Bank Sinarmas (January 2023-Juni 2023); and
• Assistant to the President Director of Bank Sinarmas (2023); and
• Head of Regional Office V of Bank Central Asia (2019-2022).
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Enny Kamal Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Direktur Operations & Data Analytics
Operations & Data Analytics Director
Sertifikasi Profesi
Kewarganegaraan / Citizenship Professional Certification
Indonesia Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
(BSMR) (2023).
Risk Management Competency Level 5 by the Risk Management Certification Body
Domisili / Domicile
(BSMR) (2023).
Jakarta
Usia / Age Hubungan Afiliasi
Affiliated Relationship
56 tahun / years old
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
Pemegang Saham Pengendali.
Periode dan Dasar Hukum Has no affiliation with members of the Board of Commissioners, the Board of
Pengangkatan Directors, and Controlling Shareholders.
Term of Office and Legal Basis of
Appointment
Pertama kali diangkat sebagai Direktur
berdasarkan Keputusan RUPS Tahunan
per tanggal 27 Juni 2023 dengan akhir
periode jabatan hingga dilaksanakannya
RUPS Tahunan 2026.
First appointment as Director was based on
the Annual GMS Resolution dated June 27,
2023, with the end of the term of office
until the 2026 Annual GMS.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Riwayat Pendidikan
Educational Background
Sarjana Teknik, Institut Teknologi Bandung (2001).
Bachelor of Engineering, Bandung Institute of Technology (2001).
Riwayat Pekerjaan
Work Experience
• IT and Digital Experience Group Head Bank Sinarmas (2022-2023);
• Head of Product Sinar Mas Multiartha (2022);
• Komisaris Independen Principal Asset Management (2020-2022);
• Chairman QUEL (2019-2021);
• Direktur Utama Futuready.com (2015-2019);
• Chief Executive Officer KreditGoGo.com (2014-2015);
• Corporate Development Manager Sampoerna Strategic (2011-2014);
• Project Manager Bank Central Asia (2008-2010); dan
• Associate Boston Consulting Group (2007-2008).
• IT and Digital Experience Group Head at Bank Sinarmas (2022-2023);
• Head of Product at Sinar Mas Multiartha (2022);
• Independent Commissioner of Principal Asset Management (2020-2022);
Sendy • Chairman of QUEL (2019-2021);
• President Director of Futuready.com (2015-2019);
Direktur Information Technology & • Chief Executive Officer of KreditGoGo.com (2014-2015);
Digital Experience • Corporate Development Manager of Sampoerna Strategic (2011-2014);
Information Technology & • Project Manager of Bank Central Asia (2008-2010); and
Digital Experience Director • Associate of Boston Consulting Group (2007-2008).
Kewarganegaraan / Citizenship Rangkap Jabatan
Indonesia Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Do not hold concurrent positions, either at banks, companies, and/or other institutions.
Domisili / Domicile
Jakarta
Sertifikasi Profesi
Usia / Age Professional Certification
41 tahun / years old Kompetensi Manajemen Risiko Level 5 oleh Badan Sertifikasi Manajemen Risiko
(BSMR) (2023).
Risk Management Competency Level 5 by the Risk Management Certification Body
Periode dan Dasar Hukum (BSMR) (2023).
Pengangkatan
Term of Office and Legal Basis of
Appointment
Hubungan Afiliasi
Pertama kali diangkat sebagai Direktur
Affiliated Relationship
berdasarkan Keputusan RUPS Tahunan per
tanggal 27 Juni 2023 dengan akhir periode Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
jabatan hingga dilaksanakannya RUPS Pemegang Saham Pengendali.
Tahunan 2026. Has no affiliation with members of the Board of Commissioners, the Board of
First appointment as Director was based on Directors, and Controlling Shareholders.
the Annual GMS Resolution dated June 27,
2023, with the end of the term of office
until the 2026 Annual GMS.
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Perubahan Komposisi Anggota Direksi Changes to the Board of Directors’ Composition
Pada tahun 2023, terdapat perubahan komposisi anggota Direksi In 2023, there were changes to the Board of Directors’ composition
Bank Sinarmas sebagai berikut. of Bank Sinarmas, which were:
Susunan Direksi berdasarkan Susunan Direksi berdasarkan
RUPS Tahunan tanggal 14 Juni 2022 RUPS Tahunan tanggal 27 Juni 2023 Alasan
Board of Directors’ Composition based on Board of Directors’ Composition based on Perubahan
Annual GMS dated June 14, 2022 Annual GMS dated June 27, 2023 Reasons for
Nama Jabatan Nama Jabatan Changes
Name Position Name Position
Frenky Tirtowijoyo Direktur Utama / President Director Frenky Tirtowijoyo Direktur Utama / President Director
Memperkuat
Halim Direktur / Director Halim Direktur / Director
susunan anggota
Hanafi Himawan Direktur / Director Hanafi Himawan Direktur / Director Direksi serta
Soejanto Soetjijo Direktur / Director Soejanto Soetjijo Direktur / Director disesuaikan dengan
kompleksitas Bank.
Miko Andidjaja Direktur / Director Miko Andidjaja Direktur / Director
Strengthening the
Uzan Tedjamulia Direktur / Director Uzan Tedjamulia Direktur / Director Board of Directors’
Ekajaya Ongny composition as well
Direktur / Director as being adjusted
Putra
Ekajaya Ongny Putra Direktur / Director to the Bank’s
Enny Kamal Direktur / Director
complexity.
Sendy Direktur / Director
Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank On January 1, 2024, the Board of Directors’ composition of
Sinarmas mengalami perubahan sebagai hasil dari efektifnya Bank Sinarmas underwent changes as a result of effective spin-
pemisahan Unit Usaha Syariah. Dengan demikian, komposisi off of Sharia Business Unit. Therefore, the Board of Directors’
anggota Direksi Bank pada saat Laporan Tahunan dan composition of the Bank at the time this Annual and Sustainability
Keberlanjutan ini diterbitkan yakni: Report is issued is as follows:
Direktur Utama : Frenky Tirtowijoyo President Director : Frenky Tirtowijoyo
Direktur : Miko Andidjaja Director : Miko Andidjaja
Direktur : Ekajaya Ongny Putra Director : Ekajaya Ongny Putra
Direktur : Enny Kamal Director : Enny Kamal
Direktur : Sendy Director : Sendy
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Profil Dewan Pengawas Syariah
Profile of Sharia Supervisory Board
Riwayat Pendidikan
Educational Background
• Doktor Pendidikan Islam, Universitas Ibn Khaldun (UIKA), Bogor (2015);
• Magister Ekonomi Islam, Universitas Islam Negeri (UIN) Jakarta (2004);
• Magister Agama Islam, Universitas Ibn Khaldun (UIKA), Bogor (2002); dan
• Sarjana Syariah, Fakultas Syariah Ma’had Al-Ulum Al-Islamiyah Wa Arabiyah,
Universitas Islam Imam Muhammad bin Saud (1994).
• Doctor of Islamic Education, Ibn Khaldun University (UIKA), Bogor (2015);
• Master of Islamic Economics, Islam Negeri University (UIN) Jakarta (2004);
• Master of Islamic Studies, Ibn Khaldun University (UIKA), Bogor (2002); and
• Bachelor of Sharia, Faculty of Sharia, Ma'had Al-Ulum Al-Islamiyah Wa Arabiyah,
Imam Muhammad bin Saud Islamic University (1994).
Riwayat Pekerjaan
Work Experience
• Anggota Dewan Pengawas Syariah Asuransi Sinarmas Life Syariah (Asuransi Jiwa
Sinarmas Syariah MSIG) (2024);
• Sekretaris Dewan Pengawas Syariah, Syarikat Takaful Indonesia (2000-2004);
• Dosen Pendidikan Agama Islam, Institut Pertanian Bogor (1998-2000); dan
Ahmadi Sukarno • Dosen Ma’had Sholahudin Bogor (1993-1997).
• Member of Sharia Supervisory Board of Sinarmas Life Syariah Insurance (Sinarmas
Ketua Dewan Pengawas Syariah Syariah MSIG Life Insurance) (2024);
Chairman of Sharia Supervisory Board • Secretary of Sharia Supervisory Board, Syarikat Takaful Indonesia (2000-2004);
• Lecturer of Islamic Religious Education, Bogor Agricultural Institute (1998-2000);
and
Kewarganegaraan / Citizenship • Lecturer at Ma'had Sholahudin, Bogor (1993-1997).
Indonesia
Rangkap Jabatan
Domisili / Domicile Concurrent Position
Jakarta • Dosen Sekolah Tinggi Ilmu Tarbiyah Fatahillah, Kabupaten Bogor (sejak 2019);
• Anggota Komite Tata Kelola Terintegrasi Bank Sinarmas (sejak 2017);
• Dosen Sekolah Tinggi Ilmu Tarbiyah Maqtab Sholahuddin, Kota Bogor (sejak 2015)
Usia / Age • Ketua Dewan Pengawas Syariah PT Sinarmas Asset Management (sejak 2014); dan;
• Anggota Dewan Pengawas Syariah PT Asuransi Sinarmas Life Syariah (Asuransi
55 tahun / years old Jiwa Sinarmas Syariah MSIG) (sejak 2004).
• Lecturer at Fatahillah College of Educational Sciences, Bogor Regency (since 2019);
Periode dan Dasar Hukum • Member of Integrated Governance Committee of Bank Sinarmas (since 2017);
Pengangkatan • Lecturer at Maqtab Sholahuddin College of Educational Sciences, Bogor City
Term of Office and Legal Basis of (since 2015);
• Chairman of Sharia Supervisory Board of PT Sinarmas Asset Management (since
Appointment
2014); and
Pertama kali diangkat sebagai Ketua • Member of Sharia Supervisory Board of PT Asuransi Sinarmas Life Syariah
Dewan Pengawas Syariah pada RUPS (Sinarmas Sharia Life Insurance MSIG) (since 2004).
Tahunan 9 Mei 2017. Pengangkatan
tersebut berdasarkan rekomendasi dari
Dewan Syariah Nasional - Majelis Ulama
Indonesia (DSN-MUI) No. U-074/DSN- MUI/ Hubungan Afiliasi
II/2017 tanggal 6 Februari 2017. Kemudian Affiliated Relationship
diangkat kembali melalui RUPS Tahunan
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
tanggal 27 Juni 2023 dengan akhir periode
Pemegang Saham Pengendali.
jabatan hingga dilaksanakannya RUPS
Tahunan 2026. Has no affiliation with members of the Board of Commissioners, the Board of Directors,
First appointment as Chairman of Sharia and Controlling Shareholders.
Supervisory Board was at the Annual GMS
dated May 9, 2017. The appointment was
based on recommendation from National
Sharia Board - Indonesian Ulema Council
(DSN-MUI) No. U-074/DSN-MUI/II/2017
dated February 6, 2017. Then, reappointed
through the Annual GMS dated June 27,
2023, with the term of office ending at the
2026 Annual GMS.
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Riwayat Pendidikan
Educational Background
• Doktor Ekonomi Islam Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta
(2016);
• Magister Ekonomi Islam Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta
(2005);
• Sarjana Syariah Lembaga Pendidikan Indonesia-Amerika Jakarta (2006); dan
• Sarjana Bidang Muamalat Sekolah Tinggi Agama Islam Azziyadah Jakarta (2001).
• Doctor of Islamic Economics, State Islamic University (UIN) Syarif Hidayatullah
Jakarta (2017);
• Master of Islamic Economics, State Islamic University (UIN) Syarif Hidayatullah
Jakarta(2005);
• Bachelor of Sharia, Indonesian-American Educational Institution Jakarta (2006);
and
• Bachelor of Muamalat, Azziyadah Islamic Religious College Jakarta (2001).
Riwayat Pekerjaan
Work Experience
• Wakil Sekretaris Jenderal Forum Komunikasi Kelompok Bimbingan Ibadah Haji
Mochammad Bukhori Pusat (2016-2020); dan
Muslim • Sekretaris Bisnis Bidang Bisnis dan Pariwisata Pengurus Pleno Dewan Syariah
Nasional (DSN) Majelis Ulama Indonesia (MUI) (2015-2020).
Anggota Dewan Pengawas Syariah • Deputy Secretary General of the Communication Forum for Central Hajj Guidance
Member of Sharia Supervisory Board Groups (2016-2020); and
• Secretary of Business Affairs for Business and Tourism in the Plenary Board of
Kewarganegaraan / Citizenship National Sharia Council (DSN) of Indonesian Ulema Council (MUI) (2015-2020).
Indonesia
Rangkap Jabatan
Domisili / Domicile Concurrent Position
Jakarta • Anggota Komite Tata Kelola Terintegrasi Bank Sinarmas (sejak 2017);
• Ketua Bidang Ekonomi dan Bisnis Syariah DSN MUI (sejak 2017);
• Ketua Dewan Pengawas Syariah PT Bukopin Finance Syariah (sejak 2016);
Usia / Age • Sekretaris Jenderal Pengurus Pusat Lembaga Dakwah Nahdlatul Ulama (PBNU)
(sejak 2016); dan
47 tahun / years old • Dosen Fakultas Syariah dan Hukum, dengan Jabatan Akademik Lektor UIN Syarif
Hidayatullah, Jakarta (sejak 2008).
Periode dan Dasar Hukum • Member of Integrated Governance Committee of Bank Sinarmas (since 2017);
• Chairman of Sharia Economics and Business Division of National Sharia Council
Pengangkatan
(DSN MUI) (since 2017);
Term of Office and Legal Basis of
• Chairman of Sharia Supervisory Board of PT Bukopin Finance Sharia (since 2016);
Appointment
• Secretary General of the Central Board of Nahdlatul Ulama Preaching Institution
Pertama kali diangkat sebagai Anggota (PBNU) (since 2016); and
Dewan Pengawas Syariah pada RUPS • Lecturer of the Faculty of Sharia and Law, with the Academic Position of Lecturer
Tahunan 9 Mei 2017. Pengangkatan at UIN Syarif Hidayatullah, Jakarta, (since 2008).
tersebut berdasarkan rekomendasi dari
Dewan Syariah Nasional - Majelis Ulama
Indonesia (DSN-MUI) No. U-074/DSN- MUI/
Hubungan Afiliasi
II/2017 tanggal 6 Februari 2017. Kemudian
diangkat kembali melalui RUPS Tahunan
Affiliated Relationship
tanggal 27 Juni 2023 dengan akhir periode Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
jabatan hingga dilaksanakannya RUPS Pemegang Saham Pengendali.
Tahunan 2026. Has no affiliation with members of the Board of Commissioners, the Board of
First appointment as Member of Sharia Directors, and Controlling Shareholders.
Supervisory Board at the Annual GMS
dated May 9, 2017. The appointment was
based on recommendation from National
Sharia Board - Indonesian Ulema Council
(DSN-MUI) No. U-074/DSN-MUI/II/2017
dated February 6, 2017. Then, reappointed
through the Annual GMS dated June 27,
2023, with the term of office ending at the
2026 Annual GMS.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Profil Pejabat Eksekutif
Profile of Executive Officers
Amandalia Johanes
Group Head Risk Management
Warga Negara Indonesia, 56 tahun. Indonesian citizen, 56 years old.
Bergabung di Bank Sinarmas sejak 2020. Sebelumnya berkarier Joined Bank Sinarmas in 2020. Previously had a career at Bank
di Bank Index Selindo sebagai Head of Risk Management, Index Selindo as the Head of Risk Management, Compliance, and
Compliance, and UKPN. UKPN.
Meraih gelar Magister Bisnis dan Manajemen dari Institut Earned a Master's degree in Business and Management from
Teknologi dan Bisnis Kalbis tahun 2005. Kalbis Institute of Technology and Business in 2005.
Andreas Priyo Nugroho
Group Head Anti Fraud Management
Warga Negara Indonesia, 45 tahun. Indonesian citizen, 45 years old.
Bergabung di Bank Sinarmas sejak 2023. Sebelumnya berkarier Joined Bank Sinarmas in 2023. Previously had a career at Bank
di Bank BTPN dengan posisi terakhir sebagai Fraud Risk Analystic. BTPN with the last position as Fraud Risk Analytic.
Meraih gelar Sarjana Pertanian dan Kehutanan dari Institut Obtained Bachelor of Agriculture and Forestry degree from Bogor
Pertanian Bogor tahun 2001. Agricultural Institute in 2001.
Anula Putra
Group Head Corporate Credit Analyst
Warga Negara Indonesia, 56 tahun. Indonesian citizen, 56 years old.
Bergabung di Bank Sinarmas sejak 2005. Sebelumnya berkarier di Joined Bank Sinarmas since 2005. Previously worked at Sinar Mas
Sinar Mas Multifinance. Multifinance.
Meraih gelar Sarjana Ekonomi dari Universitas Diponegoro tahun Obtained a Bachelor of Economics degree from Diponegoro
1993. University in 1993.
Anup Kumar
Group Head Treasury & Financial Institution
Warga Negara Indonesia, 38 tahun. Indonesian citizen, 38 years old.
Bergabung di Bank Sinarmas sejak 2019. Sebelumnya berkarier di Joined Bank Sinarmas in 2019. Previously had a career at PT MNC
PT MNC Asset Management sebagai Fix Income Fund. Asset Management as a Fixed Income Fund.
Meraih gelar Magister Administrasi Bisnis dari Universitas Gadjah Obtained Master of Business Administration degree from Gadjah
Mada tahun 2012. Mada University in 2012.
Anwar Ade Widjaya
Advisor Consumer Loan Business Development
Warga Negara Indonesia, 53 tahun. An Indonesian citizen, aged 53.
Bergabung di Bank Sinarmas sejak 2019. Sebelumnya, berkarier Joined Bank Sinarmas in 2019. Previously, had a career at
di Deltamas Mandiri Sejahtera dengan posisi terakhir sebagai Deltamas Mandiri Sejahtera, holding the position of Director.
Direktur.
Meraih gelar Sarjana Teknik Elektro dari Universitas Trisakti Obtained a Bachelor's degree in Electrical Engineering from
Jakarta tahun 1994. Trisakti University, Jakarta, in 1994.
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Christian Arry Budiman
Group Head Customer Facing & Internal Product Management
Warga Negara Indonesia, 40 tahun. Indonesian citizen, 40 years old.
Bergabung di Bank Sinarmas sejak 2010. Sebelumnya berkarier di Joined Bank Sinarmas in 2010. Previously had a career at KPMG
KPMG dengan posisi terakhir sebagai Customer Service Officer. with the last position as Customer Service Officer.
Meraih gelar Sarjana Bisnis dan Manajemen dari Universitas Sahid Obtained Bachelor of Business and Management degree from
Jakarta tahun 2001. Sahid University Jakarta in 2001.
Christina Suryadinata
Group Head Human Capital Management
Warga Negara Indonesia, 46 tahun. Indonesian citizen, 46 years old.
Bergabung di Bank Sinarmas sejak 2016. Sebelumnya berkarier Joined Bank Sinarmas in 2016. Previously had a career at Bank
di Bank Permata dengan posisi terakhir sebagai Senior Vice Permata with the last position as Senior Vice President.
President.
Meraih gelar Sarjana Ekonomi dari Universitas Katolik Parahyangan Obtained Bachelor of Economics degree from Parahyangan
tahun 1999. Catholic University in 1999.
Fathur Rosidin
Group Head Corporate & Commercial Banking
Warga Negara Indonesia, 38 tahun. Indonesian citizen, 38 years old.
Bergabung di Bank Sinarmas melalui Management Development Joined Bank Sinarmas through the Management Development
Program (MDP) tahun 2012. Program (MDP) in 2012.
Meraih gelar Sarjana Teknik dari Universitas Kristen Petra tahun Obtained Bachelor of Engineering degree from Petra Christian
2007 serta Magister Bisnis dan Manajemen dari Universitas Bina University in 2007 and Master of Business and Management from
Nusantara tahun 2014. Bina Nusantara University in 2014.
Femmy
Group Head Legal
Warga Negara Indonesia, 39 tahun. Indonesian citizen, 39 years old.
Bergabung di Bank Sinarmas sejak 2018. Sebelumnya berkarier Joined Bank Sinarmas in 2018. Previously had a career at Maybank
di Maybank Indonesia dengan posisi terakhir sebagai Senior Indonesia with the last position as Senior Manager.
Manager.
Meraih gelar Sarjana Hukum dari Universitas Tarumanagara tahun Obtained Bachelor of Law degree from Tarumanagara University
2005. in 2005.
Fera Febriani
Group Head Credit Administration & Control
Warga Negara Indonesia, 51 tahun. Indonesian citizen, 51 years old.
Memulai karier di Bank Shinta melalui Basic Banking Officer Started a career at Bank Shinta through Basic Banking Officer
Program (BBOP) tahun 1997. Program (BBOP) in 1997.
Meraih gelar Sarjana Teknik Arsitektur dari Universitas Katolik Obtained a Bachelor of Architecture degree from Parahyangan
Parahyangan tahun 1996. Catholic University in 1996.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Frieda Junia
Group Head Internal Audit
Warga Negara Indonesia, 51 tahun. Indonesian citizen, 51 years old.
Bergabung di Bank Sinarmas sejak 2021. Sebelumnya berkarier di Joined Bank Sinarmas in 2021. Previously had a career at Deutsche
Deutsche Bank Ag dengan posisi terakhir Principal Auditor. Bank Ag with the last position as Principal Auditor.
Meraih gelar Sarjana Ekonomi dari Universitas Pendidikan Nasional Obtained Bachelor of Economics degree from National Education
tahun 1996. University in 1996.
Furiyanto
Group Head Securities Services
Warga Negara Indonesia, 56 tahun. Indonesian citizen, 56 years old.
Bergabung di Bank Sinarmas sejak 2022. Sebelumnya berkarier Joined Bank Sinarmas in 2022. Previously had a career at Maybank
di Maybank Indonesia dengan posisi terakhir sebagai Branch Indonesia with the last position as Branch Manager.
Manager.
Meraih gelar Sarjana Ilmu Komputer dari Universitas Gadjah Mada Obtained Bachelor of Computer Science degree from Gadjah
tahun 1990 serta Magister Bisnis dan Manajemen dari Universitas Mada University in 1990 and Master of Business and Management
Terbuka tahun 2015. from Universitas Terbuka in 2015.
Irwan Wijaya
Group Head Technical Product Management
Warga Negara Indonesia, 42 tahun. Indonesian citizen, 42 years old.
Bergabung di Bank Sinarmas sejak 2007. Sebelumnya berkarier di Joined Bank Sinarmas in 2007. Previously had a career at Fujitsu
Fujitsu Indonesia dengan posisi terakhir sebagai Analyst Programmer. Indonesia with the last position as Analyst Programmer.
Meraih gelar Sarjana Ilmu Komputer dari Universitas Bina Obtained Bachelor of Computer Science degree from Bina
Nusantara tahun 2003 dan Magister Ilmu Komputer dari Nusantara University in 2003 and Master of Computer Science
Universitas Bina Nusantara tahun 2021. from Bina Nusantara University in 2021.
Julianto
Group Head IT Infrastructure, DevOps, Operations, & Product Assurance
Warga Negara Indonesia, 40 tahun. Indonesian citizen, 40 years old.
Mengawali karier dengan bergabung di Bank Sinarmas sejak Started his career by joining Bank Sinarmas in 2007.
2007.
Meraih gelar Sarjana Ilmu Komputer dari Universitas Bina Obtained Bachelor of Computer Science degree from Bina
Nusantara tahun 2006. Nusantara University in 2006.
Marcelina A. Nelly
Group Head Regional Corporate Banking Funding
Warga Negara Indonesia, 53 tahun. Indonesian citizen, 53 years old.
Bergabung di Bank Sinarmas sejak 1993. Sebelumnya berkarier di Joined Bank Sinarmas in 1993. Previously had a career at Unibank
Unibank dengan posisi terakhir di bagian Customer Service. with the last position in Customer Service.
Meraih gelar Sarjana Manajemen Pemasaran dari Universitas Saint Obtained a Bachelor of Marketing Management degree from
Mary’s College tahun 1994. Saint Mary's College University in 1994.
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Maureen Setiawan
Group Head Sales & Distribution
Warga Negara Indonesia, 47 tahun. Indonesian citizen, 47 years old.
Bergabung di Bank Sinarmas sejak 2015. Sebelumnya berkarier di Joined Bank Sinarmas in 2015. Previously had a career at Bank
Bank UOB Indonesia dengan posisi terakhir sebagai GSM Priority UOB Indonesia with the last position as GSM Priority Banking.
Banking.
Meraih gelar Sarjana Ekonomi dari Tarakanita dan Universitas Obtained Bachelor of Economics degree from Tarakanita and
Indonesia tahun 1998. Universitas Indonesia in 1998.
Moni
Group Head Branch Networks, Business Continuation, & General Services
Warga Negara Indonesia, 56 tahun. Indonesian citizen, 56 years old.
Bergabung di Bank Sinarmas sejak 2023. Sebelumnya berkarier Joined Bank Sinarmas in 2023. Previously had a career at Bank
di Bank Central Asia dengan posisi terakhir sebagai Kepala Central Asia with the last position as Head of Regional Business
Pengembangan Bisnis Wilayah. Development.
Meraih gelar Ahli Madya Ekonomi dari Sekolah Tinggi Ilmu Obtained Diploma in Economics from Harapan School of
Ekonomi Harapan tahun 1989. Economics in 1989.
Muktiono Wibowo
Group Head Micro, Small, & Medium Enterprise Business
Warga Negara Indonesia, 56 tahun. Indonesian citizen, 56 years old.
Bergabung di Bank Sinarmas sejak 2014. Sebelumnya berkarier Joined Bank Sinarmas in 2014. Previously had a career at Bank BRI
di Bank BRI Syariah dengan posisi terakhir sebagai Micro Business Syariah with the last position as Micro Business Department Head.
Department Head.
Meraih gelar Magister Manajemen dari Universitas Persada Obtained Master of Management degree from Universitas Persada
Indonesia Y.A.I tahun 2018. Indonesia Y.A.I in 2018.
Orlena Tirtasari
Group Head Deposit Investment Product Development
Warga Negara Indonesia, 39 tahun. Indonesian citizen, 39 years old.
Bergabung di Bank Sinarmas sejak 2022. Sebelumnya berkarier di Joined Bank Sinarmas in 2022. Previously had a career at Bank
Bank DBS Indonesia dengan posisi terakhir sebagai Balance Sheet DBS Indonesia with the last position as Balance Sheet Manager.
Manager.
Meraih gelar Sarjana Teknik dari Universitas Katolik Indonesia Obtained Bachelor of Engineering degree from Atma Jaya Catholic
Atma Jaya tahun 2006. University Indonesia in 2006.
Prisilia Maurin
Group Head Credit Management (MSME & Consumer)
Warga Negara Indonesia, 38 tahun. Indonesian citizen, 38 years old.
Bergabung di Bank Sinarmas melalui Management Development Joined Bank Sinarmas through Management Development
Program (MDP) tahun 2009. Program (MDP) in 2009.
Meraih Sarjana Ilmu Komputer dari Universitas Bina Nusantara Obtained Bachelor of Computer Science degree from Bina
tahun 2007. Nusantara University in 2007.
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Raden Bagus Krisnadi
Group Head Treasury Sales
Warga Negara Indonesia, 37 tahun. Indonesian citizen, 37 years old.
Bergabung di Bank Sinarmas sejak 2015. Sebelumnya berkarier Joined Bank Sinarmas since 2015. Previously worked at Panin
di Panin Bank. Bank.
Meraih gelar Sarjana Ekonomi dan Magister Manajemen dari Obtained Bachelor of Economics and Master of Management
Universitas Bina Nusantara tahun 2009 dan 2013. degrees from Bina Nusantara University in 2009 and 2013.
Rudyanto
Group Head Operations
Warga Negara Indonesia, 47 tahun. Indonesian citizen, 47 years old.
Bergabung di Bank Sinarmas sejak 2002. Sebelumnya berkarier Joined Bank Sinarmas in 2002. Previously had a career at Riimba
di Riimba Dana Dwikatrie dengan posisi terakhir sebagai Business Dana Dwikatrie with the last position as Business Consultant.
Consultant.
Meraih gelar Sarjana Bisnis dan Manajemen dari Sekolah Tinggi Obtained Bachelor of Business and Management degree from
Ilmu Ekonomi Widya Darma tahun 1999. Widya Darma School of Economics in 1999.
Samuel Tanuwidjaja
Group Head Digital Sales & Marketing
Warga Negara Indonesia, 43 tahun. Indonesian citizen, 43 years old.
Bergabung di Bank Sinarmas sejak 2021. Sebelumnya berkarier Joined Bank Sinarmas in 2021. Previously had a career at Tanihub
di Tanihub Group dengan posisi terakhir sebagai Vice President Group with the last position as Vice President Commercial.
Commercial.
Meraih gelar Master of Business Administration dari University of Obtained Master of Business Administration degree from
Melbourne tahun 2008. University of Melbourne in 2008.
Santi Jamhari
Group Head Business Intelligence
Warga Negara Indonesia, 41 tahun. Indonesian citizen, 41 years old.
Bergabung di Bank Sinarmas sejak 2015. Sebelumnya berkarier di Joined Bank Sinarmas in 2015. Previously had a career at Bank
Bank UOB Indonesia dengan posisi terakhir sebagai Manager of UOB Indonesia with the last position as Manager of Privilege
Privilege Banking Portfolio. Banking Portfolio.
Meraih gelar Sarjana Ekonomi dari Universitas Tarumanagara Obtained Bachelor of Economics degree from Tarumanagara
tahun 2004. University in 2004.
Septiana Jelika Ariyanto
Group Head Loan Recovery
Warga Negara Indonesia, 30 tahun. Indonesian citizen, 30 years old.
Bergabung di Bank Sinarmas melalui Management Development Joined Bank Sinarmas through Management Development
Program (MDP) tahun 2015. Program (MDP) in 2015.
Meraih gelar Sarjana Ekonomi dari Universitas Tarumanagara Obtained Bachelor of Economics degree from Tarumanagara
tahun 2014. University in 2014.
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Wendy Widjaja
Group Head Credit Card
Warga Negara Indonesia, 54 tahun. Indonesian citizen, 54 years old.
Bergabung di Bank Sinarmas sejak 2006. Sebelumnya berkarier Joined Bank Sinarmas in 2006. Previously had a career at Bank
di Bank Internasional Indonesia dengan posisi terakhir sebagai Internasional Indonesia with the last position as Head of ATM
Kepala Bagian ATM Center. Center Department.
Meraih gelar Sarjana Manajemen Pemasaran dari Institut Bisnis Obtained a Bachelor of Marketing Management degree from
Indonesia tahun 1992. Indonesian Institute of Business in 1992.
Yenni
Group Head Payment Transaction & Consumer Loan
Warga Negara Indonesia, 42 tahun. Indonesian citizen, 42 years old.
Bergabung di Bank Sinarmas melalui Management Development Joined Bank Sinarmas through Management Development
Program (MDP) tahun 2006. Sebelumnya berkarier di Bank OCBC Program (MDP) in 2006. Previously worked as a Branch Manager
NISP sebagai Branch Manager. at Bank OCBC NISP.
Meraih gelar Sarjana Agribisnis dari Institut Pertanian Bogor tahun Obtained Bachelor of Agribusiness degree from Bogor Agricultural
2005. Institute in 2005.
Yoseph Hari Pramono
Group Head Corporate Banking Business Solution
Warga Negara Indonesia, 47 tahun. Indonesian citizen, 47 years old.
Bergabung di Bank Sinarmas sejak 2007. Sebelumnya berkarier di Joined Bank Sinarmas in 2007. Previously had a career at Bank
Bank Panin dengan posisi terakhir sebagai Account Officer. Panin with the last position as Account Officer.
Meraih gelar Sarjana Sastra Inggris dari Sanata Dharma tahun Obtained Bachelor of English Literature degree from Sanata
2001. Dharma University in 2001.
Yosua Jabby Setyobudhi
Group Head Artificial Intelligence & Decision Science
Warga Negara Indonesia, 40 tahun. Indonesian citizen, 40 years old.
Bergabung di Bank Sinarmas sejak 2020. Sebelumnya berkarier Joined Bank Sinarmas in 2020. Previously had a career at Kredit
di Kredit Rating Indonesia dengan posisi terakhir sebagai Head Rating Indonesia with the last position as Head of Data Analytics.
Data Analytics.
Meraih gelar Magister of Science dari The University of Western Obtained Master of Science degree from University of Western
Ontario tahun 2008 dan Magister of Economics dari The University Ontario in 2008 and Master of Economics degree from University
of Western Ontario tahun 2009. of Western Ontario in 2009.
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Demografi Karyawan
Employee Demographic
Pada tahun 2023, karyawan Bank Sinarmas tercatat sebanyak In 2023, Bank Sinarmas employed 7,231 people, increasing by
7.231 orang, meningkat 1,18% dibanding tahun 2022. Berikut 1.18% compared to the 2022’s number. The composition of the
komposisi karyawan Bank dalam 3 tahun terakhir. Bank’s empolyees in the last three years is as follows.
Komposisi Karyawan berdasarkan Jabatan
Employee Composition by Position
2023 2022 2021
Uraian Description
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Komisaris 2 1 3 2 1 3 2 1 3 Commissioner
Top Management 44 19 63 40 21 61 34 21 55 Top Management
Middle Management 504 357 861 461 339 800 401 310 711 Middle Management
Firstline Management 780 892 1.672 747 852 1.599 715 821 1.536 Firstline Management
Staf 1.338 1.544 2.882 1.390 1.566 2.956 1.331 1.579 2.910 Staff
Non-Staf 1.689 61 1.750 1.646 82 1.728 1.634 74 1.708 Non-Staff
Jumlah 4.357 2.874 7.231 4.286 2.861 7.147 4.117 2.806 6.923 Total
Komposisi Karyawan berdasarkan Usia
Employee Composition by Age
2023 2022 2021
Uraian Description
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
<20 tahun 12 7 19 6 4 10 3 3 6 <20 years old
20-30 tahun 1.315 1.131 2.446 1.343 1.256 2.599 1.368 1.347 2.715 20-30 years old
31-40 tahun 1.977 1.470 3.447 1.995 1.377 3.372 1.912 1.266 3.178 31-40 years old
41-50 tahun 907 232 1.139 804 195 999 709 160 869 41-50 years old
>50 tahun 146 34 180 138 29 167 125 30 155 >50 years old
Jumlah 4.357 2.874 7.231 4.286 2.861 7.147 4.117 2.806 6.923 Total
Komposisi Karyawan berdasarkan Tingkat Pendidikan
Employee Composition by Education Level
2023 2022 2021
Uraian Description
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Pascasarjana 133 71 204 125 69 194 118 70 188 Postgraduate
Sarjana 2.351 2.446 4.797 2.316 2.378 4.694 2.164 2.308 4.472 Bachelor
Diploma 212 294 506 232 320 552 212 337 549 Diploma
SMA 1.629 61 1.690 1.569 91 1.660 1.574 88 1.662 High School
Lain-Lain 32 2 34 44 3 47 49 3 52 Others
Jumlah 4.357 2.874 7.231 4.286 2.861 7.147 4.117 2.806 6.923 Total
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PT. Bank Sinarmas Tbk.
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Komposisi Karyawan berdasarkan Tingkat Ketenagakerjaan
Employee Composition by Employment Status
2023 2022 2021
Uraian Description
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Tetap 2.295 2.390 4.685 2.154 2.313 4.467 2.119 2.334 4.453 Permanent
Kontrak 389 423 812 504 466 970 384 398 782 Contract
Alih Daya 1.673 61 1.734 1.628 82 1.710 1.614 74 1.688 Outsourcing
Jumlah 4.357 2.874 7.231 4.286 2.861 7.147 4.117 2.806 6.923 Total
Komposisi Karyawan berdasarkan Masa Kerja
Employee Composition by Length of Service
2023 2022 2021
Uraian Description
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
0-1 tahun 1.359 867 2.226 1.389 802 2.191 641 431 1.072 0-1 year
>1-3 tahun 1.383 331 1.714 1.525 483 2.008 968 602 1.570 >1-3 years
>3-5 tahun 587 385 972 353 329 682 1.011 406 1.417 >3-5 years
>5-10 tahun 649 746 1.395 715 839 1.554 1.157 956 2.113 >5-10 years
>10 - <20 tahun 364 526 890 292 393 685 323 395 718 >10 - <20 years
> 20 tahun 15 19 34 12 15 27 17 16 33 >20 years
Jumlah 4.357 2.874 7.231 4.286 2.861 7.147 4.117 2.806 6.923 Total
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Struktur Pemegang Saham
Shareholders Structure
Pemegang Saham Utama dan Pengendali Majority and Controlling Shareholders
PT Sinar Mas Multiartha Tbk PT Shinta Utama Masyarakat / Public
59,99% 2,93% 37,08%
Pemegang Saham Utama dan Pengendali Bank Sinarmas adalah The majority and controlling shareholder of Bank Sinarmas is
PT Sinar Mas Multiartha Tbk (SMMA). SMMA, yang tergabung PT Sinar Mas Multiartha Tbk (SMMA). SMMA, which is part
dalam Grup Sinar Mas, merupakan salah satu penyedia jasa of Sinar Mas Group, is one of the providers of integrated and
keuangan terpadu dan komprehensif, meliputi multifinance, comprehensive financial services, including multifinance, insurance,
asuransi, pasar modal, jasa administrasi saham, keamanan, capital markets, share administration services, security, trading and
perdagangan dan industri serta teknologi Informasi. Perusahaan industrial, as well as information technology. The Company was
ini didirikan pada 21 Oktober 1982 dengan nama PT Internas established on October 21, 1982, under the name PT Internas Arta
Arta Leasing Company dan telah mengalami 2 kali perubahan Leasing Company and has undergone two name changes, first to
nama menjadi PT Internas Arta Finance Company pada 1 Mei PT Internas Arta Finance Company on May 1, 1989, and then to
1989 dan PT Sinar Mas Multiartha Tbk pada 25 Februari 1995. PT Sinar Mas Multiartha Tbk on February 25, 1995.
Perlakuan yang Sama terhadap Seluruh Equal Treatment of All Shareholders
Pemegang Saham
Bank Sinarmas menjamin Pemegang Saham, baik mayoritas Bank Sinarmas ensures that shareholders, both majority and
maupun minoritas, memperoleh perlakukan yang sama terkait minority, receive equal treatment regarding the disclosure/
pengungkapan/keterbukaan informasi. Hal ini ditujukan agar transparency of information. This is aimed at preventing the
tidak terdapat informasi pihak dalam (inside information) yang existence of inside information that is only known by the majority
hanya diketahui oleh Pemegang Saham Mayoritas Bank. shareholders of the Bank.
Komposisi Pemegang Saham [POJK51-C.3]
Shareholders Composition
1 Januari 2023 31 Desember 2023
January 1, 2023 December 31, 2023
Nama Pemegang Saham Persentase Persentase
Jumlah Saham Jumlah Saham
Name of Shareholder Nilai Saham Kepemilikan Nilai Saham Kepemilikan
(Lembar Saham) (Lembar Saham)
Shares Value Ownership Shares Value Ownership
Total Shares Total Shares
(Rp) Percentage (Rp) Percentage
(Number of Shares) (Number of Shares)
(%) (%)
Kepemilikan Saham >5%
PT Sinar Mas Multiartha Tbk 11.826.853.600 1.182.685.360.000 59,99 11.826.853.600 1.182.685.360.000 59,99
Kepemilikan Saham <5%
PT Shinta Utama 610.844.074 61.084.407.400 3,10 577.504.296 57.750.429.600 2,93
Masyarakat 7.278.464.729 727.846.472.900 36,91 7.311.804.507 731.180.450.700 37,08
Jumlah 19.716.162.403 1.971.616.240.300 100,00 19.716.162.403 1.971.616.240.300 100,00
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Kepemilikan Saham berdasarkan Klasifikasi
Shareholders by Classification
1 Januari 2023 31 Desember 2023
January 1, 2023 December 31, 2023
Status Pemilik Jumlah Saham Persentase Jumlah Saham Persentase
Status of Shareholders Jumlah Pemegang (Lembar Saham) Kepemilikan Jumlah (Lembar Saham) Kepemilikan
Saham Total Shares Ownership Pemegang Saham Total Shares Ownership
Total Shareholders (Number of Percentage Total Shareholders (Number of Percentage
Shares) (%) Shares) (%)
Lokal / Local
Individu / Individual 2.194 126.391.046 0,64 2.165 958.816.972 4,86
Institusi / Institution 42 16.570.447.315 84,05 42 15.232.385.231 77,26
Asing / / Foreign
Individu / Individual 11 72.100 0,00 14 20.147.319 0,10
Institusi / Institution 20 3.019.251.942 15,31 22 3.504.812.881 17,78
Jumlah 2.267 19.716.162.403 100,00 2.243 19.716.162.403 100,00
Kepemilikan Saham Dewan Komisaris dan Direksi Secara Langsung
Direct Share Ownership of the Board of Commissioners and the Board of Directors
1 Januari 2023 31 Desember 2023
January 1, 2023 December 31, 2023
Nama Jabatan Persentase Persentase
Jumlah Saham Jumlah Saham
Name Position Kepemilikan Kepemilikan
(Lembar Saham) (Lembar Saham)
Ownership Ownership
Total Shares Total Shares
Percentage Percentage
(Number of Shares) (Number of Shares)
(%) (%)
Dewan Komisaris / Board of Commissioner
Komisaris Utama /
Tjendrawati Widjaja - - - -
President Commissioner
Komisaris Independen /
Sammy Kristamuljana Independent - - - -
Commissioner
Komisaris Independen /
Rusmin Independent - - - -
Commissioner
Direksi / / Board of Director
Direktur Utama /
Frenky Tirtowijoyo - - - -
President Director
Halim Direktur / Director 612.146 0,0031 612.146 0,0031
Hanafi Himawan Direktur / Director - - - -
Soejanto Soetjijo Direktur / Director - - - -
Miko Andidjaja Direktur / Director - - - -
Uzan Tedjamulia Direktur / Director - - - -
Ekajaya Ongny Putra Direktur / Director - - - -
Enny Kamal Direktur / Director - - 1.795.332 0,0091
Sendy Direktur / Director - - - -
Kepemilikan Saham Dewan Komisaris dan Direksi Indirect Share Ownership of the Board of
Secara Tidak Langsung Commissioners and the Board of Directors
Seluruh anggota Dewan Komisaris dan Direksi tidak memiliki All members of the Board of Commissioners and the Board of
kepemilikan tidak langsung atas saham Bank Sinarmas. Directors do not have indirect ownership of the shares of Bank
Sinarmas.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Entitas Anak dan Asosiasi
Subsidiaries and Associates
Hingga tahun 2023 berakhir, Bank Sinarmas tidak memiliki Entitas Until the end of 2023, Bank Sinarmas did not have any subsidiaries
Anak maupun Entitas Asosiasi. Dengan demikian, tidak terdapat or associated entities. Therefore, there is no information to be
informasi yang dapat disajikan dalam Laporan Tahunan dan presented in this Annual and Sustainability Report.
Keberlanjutan ini.
Kronologi Pencatatan Saham
Chronology of Share Listing
Jumlah Saham Nilai Harga Jumlah Saham Jumlah Modal
Diterbitkan Nominal Penawaran Beredar Disetor
Tahun Aksi Korporasi
(Lembar Saham) Nominal Offering (Lembar Saham) Total Paid-up
Year Corporate Actions
Issued Share Value Price Outstanding Shares Capital
(Number of Share) (Rp) (Rp) (Number of Shares) (Rp)
Saham Pendiri
2010 5,680,500,000 - - 5,680,500,000 568,050,000,000
Founder’s Shares
Penawaran Umum Perdana
2010 1,600,000,000 100 150 7,280,500,000 728,050,000,000
Initial Public Offering
Hasil Pelaksanaan Waran Seri I
2011 1,798,369,400 100 - 9,078,869,400 907,886,940,000
Resuts of Exercise of Series I Warrant
Penawaran Umum Terbatas I
2012 1,203,186,138 100 250 10,282,055,538 1,028,205,553,800
Limited Public Offering I
Hasil Pelaksanaan Waran Seri I
2012 1,780,700 100 - 10,283,836,238 1,028,383,623,800
Resuts of Exercise of Series I Warrant
Hasil Pelaksanaan Waran Seri I
2013 7,569,399 100 - 10,291,405,637 1,029,140,563,700
Resuts of Exercise of Series I Warrant
Hasil Pelaksanaan Waran Seri II
2013 2,825,475,861 100 - 13,116,881,498 1,311,688,149,800
Resuts of Exercise of Series II Warrant
Penambahan Modal Tanpa Hak
Memesan Efek Terlebih Dahulu
2014 (PMTHMETD) 896,535,414 100 270 14,013,416,912 1,401,341,691,200
Capital Increases Without Pre-Emptive
Rights
Hasil Pelaksanaan Waran Seri I
2014 19,075,400 100 - 14,032,492,312 1,403,249,231,200
Resuts of Exercise of Series I Warrant
Hasil Pelaksanaan Waran Seri II
2014 7,676,037 100 - 14,040,168,349 1,404,016,834,900
Resuts of Exercise of Series II Warrant
Hasil Pelaksanaan Waran Seri I
2015 89,744,803 100 - 14,129,913,152 1,412,991,315,200
Resuts of Exercise of Series II Warrant
Hasil Pelaksanaan Waran Seri II
2015 22,086,577 100 - 14,151,999,729 1,415,199,972,900
Resuts of Exercise of Series II Warrant
Penawaran Umum Terbatas II
2016 1,089,274,037 100 400 15,241,273,766 1,524,127,376,600
Limited Public Offering II
Hasil Pelaksanaan Waran Seri II
2016 10,400,570 100 - 15,251,674,336 1,525,167,433,600
Resuts of Exercise of Series II Warrant
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Jumlah Saham Nilai Harga Jumlah Saham Jumlah Modal
Diterbitkan Nominal Penawaran Beredar Disetor
Tahun Aksi Korporasi
(Lembar Saham) Nominal Offering (Lembar Saham) Total Paid-up
Year Corporate Actions
Issued Share Value Price Outstanding Shares Capital
(Number of Share) (Rp) (Rp) (Number of Shares) (Rp)
Hasil Pelaksanaan Waran Seri III
2016 30,000 100 - 15,251,704,336 1,525,170,433,600
Resuts of Exercise of Series III Warrant
Hasil Pelaksanaan Waran Seri II
2017 128,423,462 100 - 15,380,127,798 1,538,012,779,800
Resuts of Exercise of Series II Warrant
Hasil Pelaksanaan Waran Seri III
2017 1,675,268 100 - 15,381,803,066 1,538,180,306,600
Resuts of Exercise of Series III Warrant
Hasil Pelaksanaan Waran Seri III
2018 140 100 - 15,381,803,206 1,538,180,320,600
Resuts of Exercise of Series III Warrant
Hasil Pelaksanaan Waran Seri III
2019 1,600,000,000 100 - 16,981,803,206 1,698,180,320,600
Resuts of Exercise of Series III Warrant
Hasil Pelaksanaan Waran Seri III
2020 480,000,100 100 - 17,461,803,306 1,746,180,330,600
Resuts of Exercise of Series III Warrant
Hasil Pelaksanaan Waran Seri III
2021 2,254,359,097 100 - 19,716,162,403 1,971,616,240,300
Resuts of Exercise of Series III Warrant
Kronologi Pencatatan Efek Lainnya
Chronology of Other Securities Listing
Pada tanggal 29 Juni 2022, Bank Sinarmas memperoleh On June 29, 2022, Bank Sinarmas obtained Effective
Pernyataan Efektif dari Otoritas Jasa Keuangan melalui Surat Statement from the Financial Services Authority through Letter
No.S-107/D.04/2022 untuk melaksanakan Penawaran Umum No. S-107/D.04/2022 to carry out Public Offering of Bank Sinarmas
Obligasi Subordinasi Berkelanjutan I Bank Sinarmas Tahap I Subordinated Bonds I Phase I Year 2022 with a principal amount of
Tahun 2022 dengan jumlah pokok obligasi sebanyak-banyaknya up to Rp3,000,000,000,000. This corporate action is implemented
Rp3.000.000.000.000,-. Aksi korporasi tersebut dilaksanakan for 5 years, with an order for realization of Rp500,000,000,000,
dalam jangka waktu 5 tahun, dengan realisasi pemesanan a fixed interest rate of 6.50% per annum, and involves PT BPD
sebesar Rp500.000.000.000, tingkat bunga tetap sebesar 6,50% Jawa Barat and Banten Tbk. as the trustee.
per tahun, serta melibatkan PT BPD Jawa Barat dan Banten Tbk
sebagai wali amanat.
Tanggal Tingkat Tanggal Lembaga Bursa Saham
Nama Obligasi Nilai Penawaran Peringkat
Penerbitan Bunga Jatuh Tempo Pemeringkat Stock
Name of Bonds Offering Value Rating
Issuance Date Interest Rate Maturity Date Rating Agency Exchange
Obligasi 29 Juni 2022 500.000.000.000 6,50% 8 Juli 2027 Ir A PT Kredit Rating Bursa Efek
Subordinasi June 29, 2022 July 8, 2027 (Single A) Indonesia Indonesia
Berkelanjutan I Indonesia Stock
Bank Sinarmas Exchange
Tahap I Tahun
2022
Bank Sinarmas
Subordinated
Bonds I Phase I
Year 2022
Bunga Obligasi Subordinasi dibayarkan setiap 3 bulan sejak Interest on Subordinated Bonds is paid every 3 months from the
tanggal emisi, di mana pembayaran bunga pertama telah issuance date, with the first interest payment made on October
dilaksanakan pada tanggal 10 Oktober 2022 dan jatuh tempo 10, 2022, and maturity on July 8, 2027. The details of the interest
pada tanggal 8 Juli 2027. Berikut rincian pembayaran pokok principal payments for each Subordinated Bond are as follows.
bunga untuk masing-masing Obligasi Subordinasi.
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Bunga
Bunga ke - Tanggal Pembayaran Bunga Obligasi Subordinasi Status Pembayaran
Interest
Interest Payment Subordinated Bond Interest Payment Date Payment Status
(%)
1 10 Oktober 2022 / October 10, 2022 6,5 Lunas / Settled
2 17 Januari 2023 / January 17, 2023 6,5 Lunas / Settled
3 8 April 2023 / April 8, 2023 6,5 Lunas / Settled
4 8 Juli 2023 / April 8, 2023 6,5 Lunas / Settled
5 8 Oktober 2023 / October 8, 2023 6,5 Lunas / Settled
6 8 Januari 2024 / January 8, 2024 6,5 Lunas / Settled
7 8 April 2024 / April 8, 2024 6,5 Lunas / Settled
8 8 Juli 2024 / July 8, 2024 6,5 Belum Lunas / Outstanding
9 8 Oktober 2024 / October 8, 2024 6,5 Belum Lunas / Outstanding
10 8 Januari 2025 / January 8, 2025 6,5 Belum Lunas / Outstanding
11 8 April 2025/ April 8, 2025 6,5 Belum Lunas / Outstanding
12 8 Juli 2025 / July 8, 2025 6,5 Belum Lunas / Outstanding
13 8 Oktober 2025 / October 8, 2025 6,5 Belum Lunas / Outstanding
14 8 Januari 2026 / January 8, 2026 6,5 Belum Lunas / Outstanding
15 8 April 2026 / April 8, 2026 6,5 Belum Lunas / Outstanding
16 8 Juli 2026 / July 8, 2026 6,5 Belum Lunas / Outstanding
17 8 Oktober 2026 / October 8, 2026 6,5 Belum Lunas / Outstanding
18 8 Januari 2027 / January 8, 2027 6,5 Belum Lunas / Outstanding
19 8 April 2027 / April 8, 2027 6,5 Belum Lunas / Outstanding
20 8 Juli 2027 / July 8, 2027 6,5 Belum Lunas / Outstanding
Dana yang diperoleh dari hasil penerbitan obligasi seluruhnya The proceeds obtained from the issuance of bonds are entirely
digunakan untuk memperkuat permodalan Bank setelah dikurangi used to strengthen the Bank’s capital after deducting related
dengan biaya-biaya emisi terkait. Dana hasil penerbitan obligasi issuance costs. The proceeds from the issuance of bonds are then
kemudian dihitung sebagai modal pelengkap (tier 2) dalam calculated as supplementary capital (tier 2) to support extending
rangka mendukung rencana penyaluran kredit dengan tenor yang credit plan with longer tenors.
lebih panjang.
Kantor Akuntan Publik
Public Accounting Firm
Nama Kantor Akuntan Publik (KAP) / Name of Public Accounting Firm Mirawati Sensi Idris
EightyEight@Kasablanka Office, Lt. 20
Alamat / Address Jl. Casablanca, Kav. 28, Menteng Dalam, Tebet
Jakarta Selatan 12870, Indonesia
Nama Akuntan Publik (AP) / Name of Public Accountant Denny Susanto
Periode Penugasan KAP & AP / Assignment Period of KAP & AP Tahun Buku 2023 / Fiscal Year 2023
Jasa Audit / Audit Service Audit Laporan Keuangan / Audit of Financial Statements
Jasa Non-Audit / Non-Audit Service -
Fee Audit / Audit Fee <Rp1.000.000.000,- – Rp2.000.000.000,-
Fee Non-Audit / Non-Audit Fee -
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Lembaga dan Profesi Penunjang Perusahaan
Supporting Institutions and Professions for Companies
Lembaga/Profesi
Penunjang
Lembaga Pemeringkat Kustodian
Supporting
Rating Agency Custodian
Institutions/
Professionals
Nama / Name PT Fitch Rating Indonesia PT Kredit Rating Indonesia PT Kustodian Sentral Efek Indonesia
Alamat / Address DBS Bank Tower, Lt. 24, Suite 2403 Sinarmas Land Plaza, Tower 3, Lt. 11 Gedung Bursa Efek Indonesia, Tower I, Lt. 5
Jl. Prof. Dr. Satrio Kav. 3-5 Jl. MH Thamrin No. 51 Kav. 22 Jl. Jend. Sudirman Kav. 52-53
Jakarta 12940 Jakarta Pusat 10350 Jakarta 12190
T: +62 21 2988 6800 T: +62 21 3983 4411 T: +62 21 515 2855
F: +62 21 2988 6822
Jasa yang Diberikan / Pemeringkat kredit Bank. Pemeringkat obligasi yang diterbitkan Administrasi rekening efek, penyelesaian
Services Provided The Bank’s Credit Rating. Bank. transaksi efek, distribusi hasil aksi korporasi,
Rating of bonds issued by the Bank. dan jasa-jasa terkait lainnya.
Administration of securities accounts,
settlement of securities transactions,
distribution of corporate action proceeds,
and other related services.
Periode / Period Tahun Buku 2023 / Fiscal Year 2023
Lembaga/Profesi
Penunjang
Biro Administrasi Efek Notaris Wali Amanat
Supporting
Securities Administration Bureau Notary Public Trustee
Institutions/
Professionals
Nama / Name PT Sinartama Gunita Aulia Taufani, SH PT Bank Pembangunan Daerah Jawa
Barat dan Banten Tbk
Alamat / Address Menara Tekno, Lt. 7 Menara Sudirman, Lt. 17D Sinarmas MSIG Tower
Jl. Fachrudin No. 19 Jl. Sudirman, Kav. 60 Jl. Jend. Sudiran, Kav. 21
Jakarta 10250 Jakarta Selatan 12190 Kel. Karet, Kec. Setiabudi
T: +62 21 392 2332 T: +62 21 5289 2366 Jakarta Selatan 12920
T: +62 21 522 8737 ext. 104
F: +62 21 522 8738
Jasa yang Diberikan / Administrasi pencatatan dan Pembuatan akta-akta Bank. Perwakilan Pemegang Obligasi.
Services Provided perdagangan saham Bank. Preparing the Bank’s deeds. Bondholder Representative.
Administration of recording and
trading of Bank shares.
Periode / Period Tahun Buku 2023 / Fiscal Year 2023
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Informasi Situs Web Perusahaan
Company Website
Dalam rangka memenuhi ketentuan Peraturan Otoritas Jasa To comply with Financial Services Authority Regulation
Keuangan No. 8/POJK.04/2015 tentang Situs Web Emiten No. 8/POJK.04/2015 on the Website of Issuers or Public
atau Perusahaan Publik, Bank Sinarmas mempublikasikan Companies, Bank Sinarmas publishes the latest information
informasi terkini melalui situs web yang dapat diakses di through a website accessible at www.banksinarmas.com.
www.banksinarmas.com. Langkah tersebut merupakan salah satu This step is one of the Bank's compliance measures to fulfill
bentuk kepatuhan Bank untuk memenuhi hak seluruh pemangku the rights of all stakeholders to receive material information
kepentingan dalam menerima informasi material secara benar dan accurately and in a timely manner.
tepat waktu.
Informasi
Link
Information
Profil Perusahaan / Company Profile https:/www.banksinarmas.com/id/informasiumum/tentangkami/profil-bank-sinarmas
Informasi Umum: Nama, Alamat, Kontak
Kantor Pusat, Perwakilan /
https:/www.banksinarmas.com/id/informasiumum/tentangkami/profil-bank-sinarmas
General Information: Name, Address, Head
Office Contact, Representative
Riwayat Singkat / Brief Profile https:/www.banksinarmas.com/id/informasiumum/tentangkami/profil-bank-sinarmas
Struktur Organisasi / Organizational Structure https:/www.banksinarmas.com/id/informasiumum/tentangkami/struktur-organisasi
https:/www.banksinarmas.com/id/informasiumum/hubunganinvestor/struktur-kepemilikan-saham-dan-
Struktur Kepemilikan / Ownership Structure
informasi-saham
Struktur Grup / Group Structure -
Informasi bagi Investor /
https:/www.banksinarmas.com/id/informasiumum/hubunganinvestor
Information for Investors
Prospektus Penawaran Umum /
https:/www.banksinarmas.com/id/informasiumum/hubunganinvestor/prospektus
Prospectus of Public Offering
Laporan Tahunan selama 5 Tahun /
https:/www.banksinarmas.com/id/informasiumum/hubunganinvestor/laporan-tahunan
Annual Report (5 years)
Kode Etik / Code of Ethics https:/www.banksinarmas.com/id/informasiumum/tatakelola/terkait-etik-pedoman
Profil Dewan Komisaris /
https:/www.banksinarmas.com/id/informasiumum/tentangkami/managemen-bank-sinarmas
Board of Commissioners Profile
Profil Direksi / Board of Directors Profile https:/www.banksinarmas.com/id/informasiumum/tentangkami/ managemen-bank-sinarmas
Kinerja / Performance https:/www.banksinarmas.com/id/informasiumum/hubunganinvestor
Laporan Keuangan Tahunan Terpisah /
https:/www.banksinarmas.com/id/informasiumum/ hubunganinvestor/publikasi-keuangan
Separate Annual Financial Statements
Tata Kelola Perusahaan / Corporate Governance https:/www.banksinarmas.com/id/informasiumum/tatakelola
Piagam Dewan Komisaris /
https:/www.banksinarmas.com/id/informasiumum/ tatakelola/pdf-pedoman-dewan-komisaris
Board of Commissioners Charter
Piagam Direksi / Board of Directors Charter https:/www.banksinarmas.com/id/informasiumum/ tatakelola/pdf-pedoman-direksi
Piagam Komite Audit / Audit Committee Charter https:/www.banksinarmas.com/id/informasiumum/ tatakelola/piagam-komite-audit2
Piagam Komite Nominasi dan Remunerasi /
Remuneration and Nomination Committee https://www.banksinarmas.com/id/informasiumum/tatakelola/piagam-komite-renumerasi-dan-nominasi
Charter
Piagam Audit Internal / Internal Audit Charter https:/www.banksinarmas.com/id/informasiumum/ tatakelola /piagam-audit-intern
Tanggung Jawab Sosial Perusahaan /
https:/www.banksinarmas.com/id/informasiumum/corporatesecretary/tanggung-jawab-sosial-perusahaan
Corporate Social Responsibility
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Nama dan Alamat Kantor Cabang, Kantor Cabang Pembantu,
Kantor Fungsional, Kantor Cabang Syariah, dan Kantor Cabang
Pembantu Syariah
Name and Address of Branch Offices, Sub-Branch Offices, Functional Offices,
Sharia Branch Offices, and Sharia Sub-Branch Offices
Kantor Cabang
Branch Offices
DKI Jakarta
Jakarta - Mangga Dua Jakarta - Thamrin Jakarta - Tanah Abang
Wisma Eka Jiwa Lt. Dasar No. 1 & 2 Sinar Mas Land Plaza Tower I Jl. Fachrudin No. 18-20
Jl. Mangga Dua Raya Jakarta Jl. MH Thamrin No. 51 Tanah Abang
T: +62 21 6230 1505 Jakarta Pusat 10350 Jakarta 10250
F: +62 21 6230 1510 T: +62 21 3199 0101 T: +62 21 3983 5522
F: +62 21 3199 0405 F: +62 21 3983 5530
Jakarta - L Avenue Pasar Minggu Jakarta - Kelapa Gading Jakarta - PIK Cordoba
L’Avenue - South Residence Towers Rukan Kelapa Gading Permai Blok LA1 No. 30-31 Ruko Cordoba Blok B No. 5
Jl. Raya Pasar Minggu Kav. 16 Jl. Raya Boulevard Barat Jl. Marina Raya
Gatot Subroto, Pancoran Jakarta 14240 Kamal Muara, Penjaringan
Jakarta Selatan 12780 T: +62 21 4515 678 Jakarta Utara 14440
T: +62 21 8066 7070 F: +62 21 4515 951 T: +62 21 2257 1051
F: +62 21 2257 1195
Jakarta - Pondok Indah Plaza 2 Jakarta - Puri Kembangan
Pondok Indah Plaza 2 Blok BA Persil No. 11 Jl. Puri Kencana, Blok M8-3T
Jl. Metro Pondok Indah Kec. Kembangan, Kel. Kembangan Selatan
Kel. Pondok Pinang, Kec. Kebayoran Baru Jakarta Barat
Jakarta Selatan 12310 T: +62 21 5830 1605
T: +62 21 2782 8338 F: +62 21 5830 1625
F: +62 21 2782 8337
Jawa Barat / West Java
Bandung - Abdul Rivai Sukabumi - RA Kosasih Garut - Ciledug
Jl. Abdul Rivai No. 2 Jl. RA Kosasih No. 118 RT 002/RW 002 Jl. Ciledug No. 180
Bandung 40111 Kel. Subang Jaya, Kec. Cikole Garut 44112
T: +62 22 4241 800 Sukabumi 43116 T: +62 262 2246 520
F: +62 22 4206 466, 4266 484 T: +62 266 246 788 F: +62 262 2246 521
F: +62 266 246 784
Tasikmalaya - Sutisna Sanjaya Cirebon - Wahidin Sudirohusodo Karawang - Kertabumi
Jl. Sutisna Sanjaya No. 65 Jl. Dr. Wahidin Sudirohusodo No. 29 Jl. Kertabumi No. 18A
Tasikmalaya Cirebon Karawang
T: +62 265 311 929 T: +62 231 246 388 T: +62 267 8454 508
F: +62 265 313 522 F: +62 231 244 198 F: +62 267 8454 489
Bogor - Padjadjaran
Jl. Padjajaran No. 38A
Bogor
T: +62 251 8326 577
F: +62 251 8357 495
Lampung Sumatera Utara / North Sumatera
Bandar Lampung - Ikan Hiu Medan - Mangkubumi Rantau Prapat - Sisingamangaraja
Jl. Ikan Hiu No. 3 Jl. Mangkubumi No. 18 Jl. Sisingamangaraja
Teluk Betung, Bandar Lampung Medan Kel Bakaran Baru, Kec. Rantau Selatan
T: +62 721 475 300 T: +62 61 4578 182 Kab. Labuhan Batu 21421
F: +62 721 472 688 F: +62 61 4578 177 T: +62 624 327 377
F: +62 624 327 689
Sumatera Utara / North Sumatera Sumatera Barat / West Sumatera
Pematangsiantar - HOS Cokroaminoto Padang Sidempuan - Merdeka Padang - Damar
Jl. HOS Cokroaminoto No. 21 Komp. Citiwalk Sidempuan Blok C No. 10 Jl. Damar No. 67A RT 001/RW 004
Pematangsiantar Jl. Merdeka Olo Ladang Padang Barat
T: +62 622 434 991 Kel. Kanti, Kec. Padang Sidempuan Utara Kota Padang
F: +62 622 434 973 T: +62 634 23234 T: +62 751 811 938
F: +62 634 27053 F: +62 751 811 936
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Kepulauan Riau / Riau Islands Sumatera Selatan / South Sumatera
Batam - Nagoya Hill Tanjung Pinang - Engku Putri Palembang - Basuki Rahmat
Komp. Ruko Nagoya Hill Blok P No. 12A Jl. Engku Putri RT 001/RW 012 Jl. Basuki Rahmat No. 776
Batam Tanjung Pinang Kel. Ario Kemuning, Kec. Kemuning
T: +62 778 7493 708 T: +62 771 314 888 Kota Palembang 30128
F: +62 778 7493 527 F: +62 771 227 33 T: +62 711 371 334
F: +62 711 410 306
Kepulauan Bangka Belitung / Bangka Belitung Islands Bengkulu
Pangkal Pinang - Soekarno Hatta Belitung - Sudirman Bengkulu - Jati
Jl. Soekarno Hatta No. 17 Jl. Jend. Sudirman No 21 Jl. Jati No. 16 RT 005/RW 002
(ex Jl. Raya Koba Km 5) Kel. Pangkal Lalang, Kec. Tanjungpandan Kel. Sawah Lebar, Kec. Ratu Agung
Pangkal Pinang, Bangka Belitung Kab. Belitung 33412 Kota Bengkulu
T: +62 717 4256 885 T: +62 719 228 98 T: +62 736 346 828
F: +62 717 4256 878 F: +62 736 341 686
Riau Jambi
Pekanbaru - Riau Dumai - Sudirman Jambi - Hayam Wuruk
Jl. Riau No. 105 Jl. Jend. Sudirman No. 250 Jl. Hayam Wuruk No. 146
Pekanbaru Kel. Teluk Binjai, Kec Dumai Kota Jelutung
T: +62 761 338 88 Dumai 28811 Jambi 36133
F: +62 761 338 39 T: +62 765 358 70 T: +62 741 7554 988
F: +62 765 358 72 F: +62 741 7554 889
Banten
Tangerang - BSD GOP 6
Green Office Park 6 - BSD City Wing A - Ground Floor
Jl. Grand Boulevard
BSD Green Office Park, BSD City
Tangerang 15345
T: +62 21 2958 0233
F: +62 21 2958 0235
Jawa Tengah / Central Java
Semarang - Gang Tengah Kudus - Sudirman Magelang - Ahmad Yani
Jl. Gang Tengah No. 9 Jl. Jend. Sudirman No. 6 Jl. Ahmad Yani No.77 RT 001/RW 006
Semarang Kudus Kel. Kramat Selatan, Kec. Magelang Utara
T: +62 24 3562 625 T: +62 291 4245 818 Kota Magelang
F: +62 24 3562 623 F: +62 291 4245 852 T: +62 293 3219 595
F: +62 293 3219 596
Tegal - Sudirman Pekalongan - Dr. Cipto Purwokerto - Wiratmaja
Jl. Jend. Sudirman No. 32 Jl. Dr. Cipto No. 39 Keputran Jl. RA Wiratmaja No. 28 RT 003/RW 004
Kec. Tegal Barat, Kota Tegal Pekalongan Kel. Kedungwuluh, Kec. Purwokerto Barat
T: +62 283 325 323 T: +62 285 436 110 T: +62 281 6572 888
F: +62 283 325 511 F: +62 285 437 310 F: +62 281 6578 066
Daerah Istimewa Yogyakarta / Special Region of Yogyakarta
Solo - Urip Sumoharjo Yogyakarta - Balapan Kemakmuran
Jl. Urip Sumoharjo No. 163 RT 009/RW 001 Jl. Balapan Kemakmuran No. 11
Kel. Kepatihan Wetan, Kec. Jebres Klitren, Gondokusuman
Surakarta Yogyakarta
T: +62 271 641 093 T: +62 274 561 372
F: +62 271 641 793 F: +62 274 561 383
Jawa Timur / East Java
Surabaya - Diponegoro Mojokerto - Pahlawan Malang - Basuki Rahmat
Jl. Diponegoro No. 64 Jl. Pahlawan No. 7 Ruko Royal R1 Jl. Basuki Rachmat No. 58
Surabaya 60264 Mojokerto Malang
T: +62 31 5671 717 T: +62 321 390 757 T: +62 341 360 036
F: +62 31 5671 616 F: +62 321 390 805 F: +62 341 360 015
Jember - Sudirman Madiun - Sumatera Kediri - Erlangga
Jl. PB Sudirman No. 14 Jl. Sumatera No. 25 Jl. Erlangga No. 32-34
Kel. Jember Lor, Kec. Patrang Madiun Kediri
Kab. Jember T: +62 351 493 493 T: +62 354 683 388
T: +62 331 481 040 F: +62 351 493 492 F: +62 354 683 399
F: +62 331 481 419
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Gresik - RA Kartini Bojonegoro - Untung Suropati Banyuwangi - Basuki Rahmat
Jl. Kartini No. 236 Jl. Untung Suropati No. 53 RT 007/RW 003 Jl. Basuki Rahmat No. 61
Kel. Sidomoro, Kec. Kebomas Kel. Sumbang, Kec. Bojonegoro Banyuwangi
Gresik Kab. Bojonegoro 62155 T: +62 333 418 777
T: +62 31 3991 920 T: +62 353 885 848 F: +62 333 418 799
F: +62 31 3991 921 F: +62 353 885 750
Nusa Tenggara Barat / Nusa Tenggara Timur /
Bali
West Nusa Tenggara East Nusa Tenggara
Denpasar - Mpu Tantular Mataram - Pejanggik Kupang - Flores
Jl. Mpu Tantular No. 8 Jl. Pejanggik No. 24 Jl. Flores No. 8
Denpasar Kel. Mataram Barat, Kec. Selaparan Kupang
T: +62 361 230 055 Mataram T: +62 380 829 799
F: +62 361 230 022 T: +62 370 644 999 F: +62 380 828 611
F: +62 370 640 135
Kalimantan Barat / West Kalimantan Kalimantan Tengah / Central Kalimantan Kalimantan Utara / North Kalimantan
Pontianak - Gajah Mada Palangkaraya - Tjilik Riwut Tarakan - Yos Sudarso
Jl. Gajah Mada No. 1A-B Jl. Tjilik Riwut KM 1 No. 3 Jl. Yos Sudarso No. 9
Pontianak Kel. Palangka, Kec. Jekan Raya Kel. Selumit, Kec. Tarakan Tengah
T: +62 561 766 100 Palangkaraya Tarakan 77113
F: +62 561 767 074 T: +62 536 3247 070 T: +62 551 325 66
F: +62 536 3247 080 F: +62 551 325 64
Kalimantan Timur / East Kalimantan Kalimantan Selatan / South Kalimantan
Balikpapan - Sudirman Samarinda - Pangeran Antasari Banjarmasin - MT Haryono
Jl. Jend. Sudirman No. 7 RT 032 Jl. Pangeran Antasari RT 024/RW 000 Jl. MT Haryono No. 40 RT 006
Klandasan Ilir, Balikpapan Selatan Kel. Teluk Lerong Ulu, Sungai Kunjang Kel. Kertak Baru Ilir, Kec. Banjar Tengah
Balikpapan 76114 Samarinda 75127 Banjarmasin
T: +62 542 7203 798 T: +62 541 746 110 T: +62 511 3351 333
F: +62 542 7205 705 F: +62 541 746 120 F: +62 511 3359 000
Sulawesi Utara / North Sulawesi Maluku Utara / North Maluku Sulawesi Tengah / Central Sulawesi
Manado - Sam Ratulangi Ternate - Kamboja Palu - Masjid Raya Lulo
Jl. Sam Ratulangi No. 18 Jl. Kamboja (ex Jl. Perikanan) RT 002/RW 001 Jl. Masjid Raya Lulo No. 10
Manado Kel. Takoma, Kec. Ternate Selatan Palu
T: +62 431 879 584 Ternate T: +62 451 458 058
F: +62 431 879 595 T: +62 921 3125 100 F: +62 451 455 911
F: +62 921 3128 500
Gorontalo Sulawesi Barat / West Sulawesi Sulawesi Selatan / South Sulawesi
Gorontalo - Agus Salim Mamuju - KS Tubun Makassar - Pengayoman
Jl. KH Agus Salim No. 11 RT 003/RW 004 Jl. KS Tubun Komp. Panakukang Mas
(ex Jl. Basuki Rachmat) Kel. Rimiku, Kec. Mamuju Jl. Pengayoman No. 182
Desa Limba B, Kec. Kota Selatan Kab. Mamuju Makassar
T: +62 435 828 365 T: +62 426 2323 161 T: +62 411 4663 001
F: +62 435 824 370 F: +62 426 2323 162 F: +62 411 4663 002
Sulawesi Tenggara / Southeast Sulawesi Maluku Papua Barat Daya / West Papua
Kendari - MT Haryono Ambon - A Yani Sorong - A Yani
Jl. MT Haryono No. 88 A Jl. Ahmad Yani RT 001/RW 006 Jl. A Yani Kld I RT. 004 RW. 006,
Wua-Wua Kel. Batu Meja, Kec. Sirimau Distrik Sorong Kota
Kendari Ambon Kel. Klakublik I, Kec. Sorong
T: +62 401 3191 990, 3191 990 T: +62 911 321 500 Kota Sorong, Papua Barat Daya
F: +62 401 3191 911 F: +62 911 321 508 T: +62 951 333 143
F: +62 951 332 143
Papua
Jayapura - Pasifik Permai Merauke - Mandala
Jl. Komp. Pasifik Permai, Blok F No. 7-8 Jl. Raya Mandala No. 428
Kel. Bhayangkara, Kec. Jayapura Utara Kel. Mandala, Kec. Merauke
Kota Jayapura, Papua Kab. Merauke, Papua Selatan
T: +62 967 550 410 T: +62 961 324 926
F: +62 967 550 411
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Kantor Cabang Pembantu
Sub-Branch Offices
DKI Jakarta
Jakarta - Mangga Besar Jakarta - Kali Besar Jakarta - Season City
Jl. Mangga Besar VIII No. 8 Jl. Kali Besar No. 8. ROA Malaka Ruko Season City Blok D No.3
Jakarta Barat Jakarta Barat 11230 Jl. Jembatan Besi 33, Latumenten
T: +62 21 6251 989 T: +62 21 6907 910 Jakarta Barat 11320
F: +62 21 6252 002 F: +62 21 6907 918 T: +62 21 2937 5041
F: +62 21 2937 5042
Jakarta - Pluit Jakarta - Sunter Jakarta - ITC Cempaka Mas
Jl. Pluit Kencana Raya No. 79E Jl. Danau Sunter Utara Blok 74 Ruko Cempaka Mas Blok E No. 5 & 6
Pluit, Penjaringan Kel. Sunter Agung, Kec. Tanjung Priok Jl. Letjen. Suprapto, Cempaka Putih
Jakarta Utara Jakarta Utara Jakarta Pusat
T: +62 21 2608 1234 T: +62 21 6583 2083 T: +62 21 4290 6634
F: +62 21 6583 2084 F: +62 21 4290 6635
Jakarta - ITC Mangga Dua Jakarta - Pluit Riverside Jakarta - PIK Tzu Chi
ITC Mangga Dua 2A, Lt 1 Blok D No. 60A, 61 Muara Indah Menara I B Lt. 1 No 10B Yayasan Budha Tzu Chi
& 60B Jl. Pluit Karang Barat No 50 Jl. Raya Boulevard Pantai Indah Kapuk
Jl. Raya Mangga Dua Kel. Penjaringan, Kec. Penjaringan Kel. Kamal Muara, Kec. Penjaringan
Jakarta Utara Jakarta Utara Jakarta Utara
T: +62 21 6230 0901, 6230 0902 T: +62 21 6660 7701 T: +62 21 2931 6398
F: +62 21 6230 0907 F: +62 21 6660 7703 F: +62 21 2931 6399
Jakarta - Capitol Salemba Jakarta - Intercon Jakarta - MSIG
The Capitol Appartment Tower T Lt. Dasar Lobby Komplek Pertokoan Taman Kebun Jeruk Sinarmas MSIG Tower - Ground Floor
Emerald (Intercon Plaza) Blok D No. 7 Jl. Jend. Sudirman Kav. 21
Jl. Salemba Raya No. 16 Srengseng, Kembangan Jakarta 10350
Kel. Kenari, Kec. Senen Jakarta Barat 11630 T: +62 21 5206 894
Jakarta Pusat T: +62 21 5890 9421
T: +62 8212 3064 146
Jakarta - Ambasador Jakarta - Kwitang Jakarta - Permata Hijau
ITC Kuningan Ambasador Blok 9-C Lt. 5 Gedung Capitol Sixteen Jl. Permata Hijau Blok CC 6 No. 1
Jl. Prof. Dr. Satrio, Casablanca (ex Gedung Kwitang Office) Kel. Grogol Utara, Kec. Kebayoran Lama
Jakarta Selatan Jl. Prajurit KKO Usman dan Harun No. 16 Jakarta Selatan
T: +62 21 5793 3779 Senen T: +62 21 5366 3646
F: +62 21 5793 3784 Jakarta Pusat 10420 F: +62 21 5366 3647
T: +62 21 2234 6688
F: +62 21 2234 6070
Jakarta - Fatmawati 1 Jakarta - Sabang Jakarta - Cikini
Komp. Ruko Duta Mas Blok A2 No. 2 Jl. KH Agus Salim No 45 Gedung Graha Multi Modern
Jl. Raya Fatmawati Jakarta Kel. Kebon Sirih, Kec. Menteng Jl. Cikini Raya No. 44
Kel. Cipete, Kec. Kebayoran Baru Jakarta Pusat Kel. Cikini, Kec. Menteng
Jakarta Selatan T: +62 21 3925 472 Jakarta Pusat
T: +62 21 7278 8022 F: +62 21 3925 391 T: +62 21 3193 1061
F: +62 21 7279 3321 F: +62 21 3193 1063
Jakarta - Samanhudi Jakarta - Batu Tulis Jakarta - ITC Roxy Mas
Jl. Samanhudi No. 63 Jl. Batu Tulis Raya No.7 Pusat Pertokoan ITC Roxy Mas Blok BI No. 3
Pasar Baru, Jakarta Pusat Kebon Kelapa, Jakarta Pusat Jl. KH Hasyim Ashari
T: +62 21 3801 312 T: +62 21 3802 038 Jakarta 10150
F: +62 21 3801 321 F: +62 21 3802 093 T: +62 21 6329 904
F: +62 21 6329 902
Jakarta - Roxy Square Jakarta - Harmoni Jakarta - Tanjung Duren
Roxy Square Jl. Suryopranoto Komp Harmoni Plaza Blok B No. Jl. Tanjung Duren No. 25A RT 001/RW 007
Jl. Kyai Tapa No. 1, Unit D3, Lower Ground 14-15 Kel. Tanjung Duren Utara, Kec. Grogol
Grogol, Petamburan Petojo Utara, Kec. Gambir Petamburan
Jakarta Barat 11450 Jakarta Pusat Jakarta Barat
T: +62 21 5695 4567 T: +62 21 2206 6343 T: +62 21 5694 1491
F: +62 21 5695 4545 F: +62 21 2206 9382 F: +62 21 5694 1492
Jakarta - Hasyim Ashari Jakarta - Kelapa Gading 2 Jakarta - Bintaro
Jl. KH Hasyim Ashari No. 34 RT 003/RW 001 Jl. Boulevard Raya Blok PA 11 No. 3-4 Jl. Raya Bintaro Blok E No. 12
Kel. Duri Pulo, Kec. Gambir Kel. Kelapa Gading, Kec. Pegangsaan Dua Sektor 1
Jakarta Pusat 10150 Jakarta Utara Jakarta Selatan
T: +62 21 6385 1234 T: +62 21 4584 7393, 4584 7490 T: +62 21 7375 226
F: +62 21 4504 128 F: +62 21 7372 410
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Jakarta - Slipi Jakarta - Senayan City Jakarta - Central Park
Gedung The Capitol Lt. 2 Senayan City Mall Lt. 6 Unit 6-11 Central Park Mall Lt. LG
Jl. S Parman Kav. 73 Jl. Asia Afrika No. 19 RW003 Jl. Letjen. S. Parman Kav. 28
Slipi, Jakarta Barat Gelora, Kec. Tanah Abang Kel. Tomang, Kec. Grogol Petamburan
T: +62 21 5347 226 Jakarta Pusat 10270 Jakarta Barat
F: +62 21 5347 229 T: +62 21 7278 1554 T: +62 21 5698 5210
Jakarta - SOF Summitmas Jakarta - Rawamangun Jakarta - Menara Tekno
Gedung Summitmas II Lt. 9 Jl. Paus No. 83A RT 001/RW 008 Rawamangun Gedung Menara Tekno Lt. GF
Jl. Jend. Sudirman Kav 61-62 Kel. Jati, Kec. Pulo Gadung Jl. KH Fachrudin No. 19 RT 001/RW 007
Kel. Senayan, Kec. Kebayoran Baru Jakarta Timur Kel. Kampung Bali, Kec. Tanah Abang
Jakarta Selatan T: +62 21 4786 9552 Jakarta Pusat
T: +62 21 2521 902, 2521 903 T: +62 21 2946 5428, 0877 8875 7644
F: +62 21 2946 5429
Jawa Barat / West Java
Bandung - Jamika Bandung - MTC Bandung - Jend. Sudirman
Jl. Jamika No. 42A Komp. MTC Kav. B-11 Ruko Kapitol
Bandung 40231 Jl. Soekarno Hatta Jl. Jend. Sudirman No. 91
T: +62 22 6009 100 Bandung Bandung
F: +62 22 6009 172 T: +62 22 7535 530 T: +62 22 4205 002
F: +62 22 7535 680 F: +62 22 4260 106
Sumedang - Jatinangor Sumedang - Mayor Abdurachman Bandung - AH Nasution
Jl. Raya Bandung - Garut No. SA-12 Jl. Mayor Abdurachman No. 199 RT 002/RW 010 Jl. AH Nasution No. 192
Mekargalih Kotakaler, Sumedang Utara Kel. Cipadung Kulon, Kec. Panyileukan
T: +62 22 7782 757 T: +62 261 202 606 Bandung 40614
F: +62 22 7782 725 F: +62 261 203 839 T: +62 22 6376 4445
F: +62 22 8788 0102
Bandung - Buah Batu Banjar - Pataruman Cirebon - Grand Center
Jl. Buah Batu No. 248 B Jl. Letjen Suwarto No. 97 Ruko Grand Center No. D6 RT 005/RW 002
Bandung Pataruman, Banjar Jl. Pangeran Suryanegara
T: +62 22 7322 348 T: +62 265 2732 500 Kel. Pekalangan, Kec. Pekalipan
F: +62 22 7322 347 F: +62 265 2732 501 Cirebon
T: +62 231 237 723
F: +62 231 237 722
Karawang - Cikampek Bandung - Lembang Subang - Otista
Ruko Central Cikampek No. 5 Jl. Raya Lembang No. 319 Jl. Otista RT 095/RW 026
Jl. Ahmad Yani Dawuan, Cikampek Bandung Karanganyar, Subang
T: +62 264 8386 448 T: +62 22 2786 790 T: +62 260 414 699
F: +62 264 8386 445 F: +62 22 2786 135 F: +62 260 414 698
Cianjur - Muwardi Cimahi - Amir Mahmud Purwakarta - Veteran
Jl. Muwardi No. 173 RT002/RW003 Jl. Amir Mahmud No. 491 RT004/RW005 Jl. Veteran No. 98
Kuniwangi, Bojongherang Karang Mekar, Cimahi Tengah Purwakarta
Cianjur T: +62 22 6646 998 T: +62 264 8225 888
T: +62 263 2292 878 F: +62 22 6647 098 F: +62 264 8225 824
F: +62 263 2292 877
Bandung - Kopo Sukabumi - A Yani Ciamis - Jend. Sudirman
Komplek Taman Kopo Indah II Blok 1A No. 69 Jl. Ahmad Yani No. 235 Ruko No. 3 RT002/ Jl. Jend. Sudirman No. 163 RT 004/RW 002
Bandung RW004 Kel. Ciamis, Kec. Ciamis
T: +62 22 5419 151 Sukabumi Kab. Ciamis
T: +62 266 229 377 T: +62 265 776 410
F: +62 266 229 366 F: +62 265 776 420
Kuningan - Siliwangi Majalengka - KH Abdul Halim Indramayu - Sudirman
Jl. Siliwangi No. 273 B RT 001/RW 004 Jl. KH Abdul Halim No. 149 Jl. Sudirman No. 93 RT 001/RW 007
Lingkungan Dago, Kec. Kuningan Kab. Majalengka Kel. Lemah Mekar, Kec. Indramayu
Kab. Kuningan 45513 T: +62 233 8890 033 Kab. Indramayu 45212
F: +62 233 8890 036 T: +62 234 274 416
F: +62 234 274 424
Bogor - Cisarua Karawang - KIIC Depok - Margonda
Jl. Raya Puncak KM 81 No. 1C Graha KIIC 1st Floor ITC Depok Ruko No. 1
Kel. Cisarua, Kec. Cisarua Jl. Permata Raya Slot CB-1 Kawasan Industri KIIC Jl. Margonda Raya, Kec. Pancoran Mas
Kab. Bogor Kel. Sukaluyu, Kec. Telukjambe Timur T: +62 21 7721 5160
T: +62 251 8251 734 Kabupaten Karawang 41361 F: +62 21 7721 5161
F: +62 251 8251 720 T: +62 267 8458 058
F: +62 267 8458 059
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Cibubur - Kota Wisata Bekasi - A Yani Bogor - Sudirman
Ruko Sentra Eropa Blok SEA No. 3 Komp. Ruko Bekasi Mas Blok C 4-5 Jl. Sudirman No. 15 Ruko H
Kota Wisata Cibubur Jl. Ahmad Yani, Bekasi Bogor
T: +62 21 8493 3877 T: +62 21 8896 2588 T: +62 251 8332 878
F: +62 21 8493 3190 F: +62 21 8885 5308 F: +62 251 8387 811
Bogor - Tajur Bogor - Pasar Anyar Bekasi - Grand Wisata
Jl. Tajur No. 18 Jl. Dewi Sartika A-64 RT 001/RW 002 Perumahan Grand Wisata
(ex Jl. Raya Wangun No. 307) Kel. Pebaton, Kec. Bogor Tengah Celebration Boulevard AA-15/23
Bogor Bogor Lambang Sari, Tambun
T: +62 251 8249 111 T: +62 251 8330 699 Bekasi
F: +62 251 8249 350 F: +62 251 8330 755 T: +62 21 8261 6201
F: +62 21 8261 5909
Bekasi - Delta Mas Bogor - Kebon Pedes Bogor - Cileungsi
Ruko Spanish Square A No. 2 Jl. Raya Kebon Pedes No. 44 Jl. Raya Narogong (Pasar Cileungsi)
Kota Delta Mas, Kab. Bekasi Kel Kebon Pedes, Kec Tanah Sareal Kel. Cileungsi Kidul, Kec. Cileungsi
T: +62 21 8997 0578 Kota Bogor 16162 Kab. Bogor
F: +62 21 8997 0581 T: +62 251 8577 168 T: +62 21 8248 4278
F: +62 251 8576 894 F: +62 21 8430 0614
Bogor - Ciomas Bogor - Cibanteng Bogor - Cibinong
Jl. Raya Ciomas No. 33 RT 001/RW 003 Jl. Raya Cibanteng Proyek No. 175 RT 002/RW 004 Jl. Mayor Oking No 134 Cibinong
Kel. Pagelaran, Kec. Ciomas, Kab. Bogor Cihideung Ilir, Ciampea Kel. Cirimekar, Kec. Cibinong
T: +62 251 7588 289 Bogor 16620 Kab. Bogor
F: +62 251 7583 147 T: +62 251 8629 079 T: +62 21 8791 8788
F: +62 251 8629 772 F: +62 21 8790 8740
Cikarang - ITSB Delta Mas Cikarang - Jababeka Bogor - Leuwiliang
Kampus ITSB Jl. Niaga Raya Ruko Metro Boulevard Kav. A11 Komp. Saptamarga (Pasar Baru Leuwiliang)
Jl. Ganesha Boulevard Lot A1 CBD (Tol Jakarta Kawasan Industri Jababeka Cikarang Jl. Raya Leuwiliang RT 001/RW 003
Cikampek KM 7) Kel. Pasir Sari, Kec. Cikarang Bogor
Kel. Pasiranji, Kec. Cikarang Pusat Kab. Bekasi T: +62 251 8640 907
Kab. Bekasi T: +62 21 8984 2361
T: +62 21 5055 5365 F: +62 21 8984 2360
F: +62 21 8897 0581
Lampung
Lampung - Metro Tulang Bawang - Lintas Timur Lampung - Kalianda
Jl. Jend. Sudirman No. 872 Jl. Lintas Timur Dwiwarga Tunggal Jaya Jl. Kusuma Bangsa RT 001/RW 001
Kel. Imopuro, Kec. Metro Pusat Desa Dwiwarga Tunggal Jaya, Kecamatan Banjar Kel. Kalianda, Kec. Kalianda
Kota Metro 34111 Agung Kab. Lampung Selatan
T: +62 725 7852 881 Kabupaten Tulang Bawang 34682 T: +62 727 321 888
T: +62 726 7758 253
Lampung - Tanjung Karang
Jl. Jend. Ahmad Yani No. 17D
Tanjung Karang, Bandar Lampung
T: +62 721 250 439, 259 173
F: +62 721 258 972
Sumatera Utara / North Sumatera
Sibolga - Pasar Baru Medan - Asia Medan - Krakatau
Jl. Mesjid No. 57 Jl. Asia No. 214C Jl. Gunung Krakatau No. 46B
Kec. Sibolga Kota, Kota Sibolga Medan 20214 Medan 20115
T: +62 631 21880 T: +62 61 7321 822 T: +62 61 6643 687
F: +62 631 21558 F: +62 61 7321 816 F: +62 61 6641 158
Medan - Sisingamangaraja Asahan - Kisaran Tebingtinggi - Kapt. F. Tendean
Jl. Sisingamangaraja KM 6,5 (simpang marendal) Jl. HOS Cokroaminoto No.72C Jl. Kapt. F. Tendean No. 4
T: +62 61 7874 222 Kisaran Tebingtinggi
F: +62 61 7874 229 T: +62 623 345 052 T: +62 621 3950 039
F: +62 623 345 644 F: +62 621 3950 040
Medan - Letda Sudjono Deli Serdang - Diski Medan - M Yamin
Jl. Letda. Sudjono No. 252 Jl. Medan Binjai KM 11,2 No. 62E Gedung KBRU
Medan Kel. Mulyorejo, Kec. Sunggal Jl. Prof. HM Yamin No. 36A
T: +62 61 7354 106 Kab. Deli Serdang 20351 Kel. Sidodadi, Kec. Medan Timur
F: +62 61 7354 116 T: +62 61 8454 849 Medan 20234
F: +62 61 8454 815 T: +62 61 8881 2990
F: +62 61 8881 2293
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Sumatera Barat / West Sumatera
Labuhan Batu - Imam Bonjol Bukittinggi - Ahmad Karim Padang - Sutomo
Jl. Imam Bonjol No. 4C Jl. Ahmad Karim No. 18C Jl. Dr. Sutomo No. 80D
Labuhan Batu 21417 Bukittinggi Kel. Kubu Marapalam, Kec. Padang Timur
T: +62 624 325 853 T: +62 752 626 529 Kota Padang
F: +62 624 327 747 F: +62 752 626 528 T: +62 751 891 801, 891 802
F: +62 751 891 803
Kepulauan Riau / Riau Islands
Bintan - Hang Jebat Batam - Batam Center Tanjung Pinang - DI Panjaitan
Jl. Hang Jebat RT 008/RW 005 Komp. Ruko Raflesia Business Centre Blok F No. Jl. DI Panjaitan No. 3 RT 003/RW 002
Kel. Kijang Kota, Kec. Bintan Timur 1 Batam Centre Kec. Tanjung Pinang Timur, Kel. Batu Sembilan
Kab. Bintan Kel. Sungai Panas, Kec. Batam Kota T: +62 771 7335 235
T: +62 771 610 72 Kota Batam F: +62 771 7335 237
F: +62 771 610 74 T: +62 778 468 841, 0888 8779 845
F: +62 778 7493 527
Kepulauan Bangka Belitung / Bangka Belitung Islands
Bangka - Sungai Liat Pangkal Pinang - A Yani
Ruko Town Square No. C3 Jl. Ahmad Yani No. 69 RT 001/RW 002
Jl. Muhidin Kec. Taman Sari Kel. Batin Tikal Pangkalpinang Bangka Belitung
Kel. Sungailiat Bangka, Kec. Sungailiat T: +62 717 424 558
Kab. Sungailiat Bangka F: +62 717 434 391
T: +62 717 951 59
F: +62 717 959 15
Riau
Belilas Pekanbaru - Perawang Bengkalis - Duri
Jl. Lintas Timur RT 018/RW 005 Jl. Raya Minas-Perawang KM 26 Jl. Jend. Sudirman No. 446C
Simpang Belilas Desa Pinang Sebatang, Kec. Tualang Duri, Kec. Mandau
Kel. Pangkalan Kasai, Kec. Seberida Komp. IKPP Perawang Kab. Bengkalis
Kab. Indragiri Hulu 29371 Kab. Siak T: +62 765 594 383
T: +62 769 324 186 T: +62 761 924 20 F: +62 765 594 380
F: +62 769 324 143 F: +62 761 924 29
Pekanbaru - Jend. Sudirman Pekanbaru - Tuanku Tambusai Kampar - Soekarno Hatta
Gallery Smartfren Pekanbaru Jl. Tuanku Tambusai No. 223D RT 001/RW 003 KUD Berkat Ridho
Jl. Sudirman No. 444 Kel. Wonorejo, Kec. Marpoyan Damai Jl. Soekarno Hatta SP-2 RT 005/RW 002
Kel. Tanah Datar, Kec. Pekanbaru Kota Kota Pekanbaru Desa Petapaha, Kec. Tanpung Hilir
Kota Pekanbaru T: +62 761 7866 060 Kab. Kampar 28464
T: +62 761 848 789 F: +62 761 7866 161 T: +62 811 757 7660
F: +62 761 7894 180
Jambi
Jambi - Tungkal Ulu Jambi - Simpang Rimbo Sarolangun - Lintas Sumatera
Komp. Perkantoran PT LBPPPI/WKS Jl. Pattimura RT 042 Jl. Lintas Sumatera KM 1 No. 05-06
Kel. Tebing Tinggi 271 Tanjabar Kel. Kenali Besar, Kec. Alam Barajo Kel. Aur Gading
(PT Pappyrus Paper-WKS) Simpang Rimbo 36129 Kab. Sarolangun 37481
Ds. Tebing Tinggi Tanjabar (Tungkal Ulu) T: +62 741 5910 908 T: +62 745 913 22
Jambi 37271 F: +62 741 669 671 F: +62 745 913 21
T: +62 742 552 100
F: +62 742 552 112
Jambi - Selincah Muara Bungo - M Yamin Jambi - Pattimura
Jl. Sentot Alibasa RT015/RW. 05 Jl. M. Yamin No. 32 Jl. Pattimura No. 43
Kel. Payo Selincah, Kec. Jambi Timur Kel. Bungo Barat, Kec. Pasar Muara Bungo Kel. Rawasari, Kec. Alam Barajo
T: +62 741 5918 486, 0888 8779 803 Kab. Bungo Jambi 37215 Kota Jambi
F: +62 741 5918 386 T: +62 747 321 788 T: +62 741-65017
F: +62 747 321 399 F: +62 741-669671
Sumatera Selatan / South Sumatera
Lubuk Linggau Palembang - OKI Palembang - Sudirman
Jl. Sultan Mahmud Badaruddin II No. 12 PT Oki Pulp & Paper Mills Jl. Sudirman RT 013/RW 005
Kel. Marga Rahayu, Kec. Lubuk Lingau Selatan II Desa Bukit Batu, Kel. Bukit Batu Kel. Dua Puluh Ilir d. III, Kec. Iti
Kota Lubuk Linggau Kec. Air Sugihan Palembang
T: +62 733 452 515 Kab. Ogan Komering Ilir 30656 T: +62 711 316 534
F: +62 733 452 122 T: +62 8881 581 502 F: +62 711 320 893
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Lubuk Linggau - Yos Sudarso Prabumulih - Jend. Sudirman Lahat - Mayor Ruslan
Jl. Yos Sudarso No. 66A Jl. Jend. Sudirman No. 70-71 RT 003/RW 010 Jl. Mayor Ruslan III No. 092 RT 001/RW 004
Kel. Jawa Kiri I, Kec. Lubuk Linggau Timur Kel. Muara Dua, Kec. Prabumulih Timur Kel. Pasar Lama, Kec. Lahat
Kota Lubuk Linggau Prabumulih 31114 Kab. Lahat 31413
T: +62 733 323 323 T: +62 713 320 410 T: +62 731 321 827
F: +62 733 322 404 F: +62 713 320 401 F: +62 731 321 921
Baturaja - A Yani Palembang - KM 11 Palembang - Pasar Ilir 15
Jl. Jend. Ahmad Yani RT034/RW10 Jl. Raya Palembang - Betung 1261 RT 016/RW 006 Jl. Segaran 545
Kel. Baturaja Lama, Kec. Baturaja Timur Kel. Alang-Alang Lebar, Kec. Alang-Alang Lebar Kel. 15 Ilir, Kec. Ilir Timur I Palembang
Kab. Ogan Komering Ulu 32111 Palembang Palembang
T: +62 735 323 736, 323 731 T: +62 711 431 569 T: +62 711 356 732, 356 612
F: +62 735 322 941 F: +62 711 431 532 F: +62 711 816 526
Palembang - Letkol Iskandar Palembang - Plaju
Komp. Illir Barat Permai Blok D1 No. 21 Jl. Jend. Ahmad Yani, RT19/RW07
Jl. Letkol Iskandar Kel. Tangga Takat, Kec. Seberang Ulu II Palembang
Kel. 24 Illir, Kec. Bukit Tinggi T: +62 711 512 960
Palembang F: +62 711 512 972
T: +62 711 316 336, 316 380
F: +62 711 356 612
Bengkulu
Bengkulu - Panorama Bengkulu - Pagar Dewa Bengkulu - Manna
Jl. Salak Raya Timur No. 97 RT 008/RW 003 Jl. Adam Malik RT 003/RW 001 Jl. Ahmad Yani No. 37
Kel. Panorama, Kec. Singaranpati Kel. Pagar Dewa, Kec. Selebar Kel. Ibul, Kec. Kota Manna
Lingkar Timur Bengkulu Bengkulu 38211 Kab. Bengkulu Selatan, Bengkulu
T: +62 736 5408 583 T: +62 736 524 94 T: +62 739 2360 280
F: +62 736 237 85 F: +62 736 528 03 F: +62 739 347 081
Banten
Tangerang - BSD Serpong - Indah Kiat Tangerang - Alam Sutera
Ruko Golden Boulevard Blok G1 No. 06-07 BSD Wisma Indah Kiat, A Building 1st Floor Komp. Perumahan Alam Sutera
City Jl. Raya Serpong KM 8 Jl. Jalur Sutera Kav. 29D No. 25
Tangerang Tangerang 15310 Kel. Pakualam, Kec. Serpong
T: +62 21 5316 1305 T: +62 21 5312 0271 Tangerang
F: +62 21 5316 1304 F: +62 21 5312 0277 T: +62 21 5314 1101
F: +62 21 5314 1079
Serang - Indah Kiat Tangerang - Otista Cilegon - Mahkota Mas
Gedung PT Indah Kiat Pulp & Paper Ruko Otista Komp. Cilegon Green Mega Blok B1 No. 5
Jl. Raya Serang KM 76 Desa Kragilan Jl. Otista No. 05B RT 001/RW 002 Jl. Raya Ahmad Yani
Serang Kel. Gerendeng, Kec. Karawaci Kel. Desa Cibeber, Kec. Cilegon
T: +62 254 280 979 Tangerang Kota Cilegon
F: +62 254 280 292 T: +62 21 5576 8290 T: +62 254 393 953
F: +62 21 5576 8521 F: +62 254 393 923
Kapt. Soebijanto Tangerang Gading - Serpong
Wisma BCA Wing A/Ground Floor Jl. Gading Serpong Boulevard Ruko Alexandrite Blok ALX 3 No. 23
Jl. Kapten Soebijanto Djojohadikusumo Kel. Curug Serengseng, Kec. Kelapa Dua
BSD City Kab. Tangerang
Tangerang T: +62 21 2222 8886
T: +62 21 5316 7170
F: +62 21 5316 7192
Jawa Tengah / Central Java
Salatiga Semarang - Sultan Agung Semarang - Pemuda
Jl. Diponegoro No. 77 RT 001/RW 002 Ruko Sultan Agung No. 9 Rukan Pemuda Mas Blok A Kav. A/8
Dusun Sidorejo Lor, Kec. Sidorejo Jl. Sultan Agung No. 105-106 Jl. Pemuda 150
Salatiga Semarang Semarang
T: +62 298 315 603 T: +62 24 8509 034 T: +62 24 3564 888
F: +62 298 328 856 F: +62 24 8509 035 F: +62 24 3564 889
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Magelang - Metro Square Pemalang - A Yani Cilacap - Gatot Subroto
Ruko Metro Square F-1 Jl. Ahmad Yani Utara No. 6 RT04/RW08 Jl. Jend. Gatot Subroto No. 42-44 RT 001/RW 010
Jl. Mayor Bambang Sugeng Mertoyudan Kel. Dalam Sidanegara, Cilacap Tengah
Magelang Pemalang Cilacap
T: +62 293 326 496 T: +62 284 323 285 T: +62 282 5253 434
F: +62 293 325 322 F: +62 284 322 154 F: +62 282 5253 131
Tegal - Adiwerna Purbalingga - A Yani Semarang - Majapahit
Jl. Adiwerna No.1 6 RT 012/RW 006 Ruko PJKA No. 1 Komp. Mall Majamas
Kel. Adiwerna, Kec. Adiwerna Jl. Ahmad Yani RT 001/RW 001 Jl. Brigjend Sudiarto No.198 H (Jl. Majapahit)
Tegal Kel. Kandang Gampang T: +62 24 6731 200
T: +62 283 446 001 Purbalingga 53312 F: +62 24 6731 235
F: +62 283 446 122 T: +62 281 896 565
F: +62 281 896 061
Temanggung - Tentara Pelajar Klaten - Rajawali Sukoharjo
Jl. Tentara Pelajar No. 14 Jl. Rajawali No. 113 Komp. Super Makmur
Temanggung 56212 Tegal Blateran, Kec. Klaten Tengah Jl. Raya Solo Baru No. 10F-G
T: +62 293 493 200 Klaten 57413 Sukoharjo, Solo
F: +62 293 493 232 T: +62 272 3351 528 T: +62 271 6727 273
F: +62 272 3351 527 F: +62 271 6727 263
Banyumanik - Kanfer Kebumen - Mayjend Sutoyo Brebes - Bumiayu
Jl. Kanfer Raya No. 11A Jl. Mayjend Sutoyo No. 41 RT 006/RW 006 Jl. Raya Utara 77
Kel. Padangsari, Kec. Banyumanik Kel. Kebumen, Kec. Kebumen Bumiayu
Semarang Kab. Kebumen Kab. Brebes
T: +62 24 7648 1977 T: +62 287 385 813 T: +62 289 430 699
F: +62 24 7648 1987 F: +62 287 385 814 F: +62 289 430 224
Muntilan - Magelang Sragen - Sukowati Semarang - Sudirman
Jl. Pemuda No. 95 RT 002/RW 002 Jl. Raya Sukowati No. 60 RT 003/RW 012 Ruko Siliwangi Square Atrium Kav. 9
Kel. Pucungrejo, Kec. Muntilan Dukuh Beloran, Kel. Sragen Jl. Jend. Sudirman No. 322
Kab. Magelang Kab. Sragen 57212 Semarang Barat, Semarang
T: +62 293 587 870 T: +62 271 8823 401 T: +62 24 7667 1266
F: +62 293 585 499 F: +62 271 8823 403 F: +62 24 7667 1252
Daerah Istimewa Yogyakarta / Sulawesi Tenggara /
Special Region of Yogyakarta Southeast Sulawesi
Magelang - Tentara Pelajar Yogyakarta - Katamso Bau-Bau - Bataraguru
Komp. Ruko Top Square Blok A6 Ruko Gondomanan Square Jl. Bataraguru
Jl. Tentara Pelajar No. 3-5 Jl. Bridjen Katamso No. 37 Kel. Wajo, Kec, Murhum
Kel. Kemirirejo, Kec. Magelang Tengah Yogyakarta Baubau
Magelang T: +62 274 410 497 T: +62 402 2811 182
T: +62 293 310 380 F: +62 274 410 498
F: +62 293 310 381
Jawa Timur / East Java
Surabaya - Kembang Jepun Surabaya - Ir. Soekarno (MERR) Surabaya - ITC Mega Grosir
Jl. Kembang Jepun No. 86 Ruko Promenade Kav. 15 ITC Mega Grosir, Ground Floor BT No. 1C
Surabaya Jl. Dr. Ir. H. Soekarno No. 15 Jl. Gembong No. 20-30
T: +62 31 3523 838 Surabaya Surabaya
F: +62 31 3545 595 T: +62 31 8785 1717 T: +62 31 3743 188
F: +62 31 8785 6788 F: +62 31 3743 133
Surabaya - Mayjen Sungkono Sidoarjo - Tjiwi Kimia Malang - J A Suprapto
Jl. Mayjen Sungkono No. 131 Gedung Tjiwi Kimia Ruko Blok B3
Surabaya Jl. Raya Surabaya - Mojokerto KM 44 Jl. Jaksa Agung Suprapto No. 40
T: +62 31 5616 151 Desa Kramat, Temenggung, Kec. Tarik Rampal Claket
F: +62 31 5616 160 Kab. Sidoarjo Malang
T: +62 321 360 377 T: +62 341 336 060
F: +62 321 360 380 F: +62 341 336 015
Malang - Kepanjen Tulungagung - Ngurah Rai Sidoarjo - Ahmad Yani
Jl. Panglima Sudirman RT 002/RW 002 Jl. I Gusti Ngurah Rai Jl. Ahmad Yani No. 24 RT 023/RW 004
Desa Ngadilangkung, Kec. Kepanjen Kel. Jepun, Kec. Tulungagung Kel. Sidokumpul, Kec. Sidoarjo
Kab. Malang Kab. Tulungagung Kab. Sidoarjo
T: +62 341 398 800 T: +62 355 323 999 T: +62 31 8074 777
F: +62 341 398 448 F: +62 355 337 323 F: +62 31 8074 778
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Jombang - Gatot Subroto Tuban - Sendang Harjo Sidoarjo - Promenade Taman Asri
Jl. Gatot Subroto No. 126 RT 001/RW 001 Jl. Basuki Rahmat No. 42 Komp. Pertokoan Promenade Taman Asri Kav.
Kel. Mojongapit, Kec. Jombang Desa Sendang Harjo, Kec. Tuban TA 02-03
Kab. Jombang 61413 Kab. Tuban 62139 Jl. Raya Taman Asri Pondok Tjandra Indah
T: +62 321 868 031 T: +62 356 326 777 Kel. Tambak Sumur, Kec. Waru
F: +62 321 868 033 F: +62 356 329 425 Kab. Sidoarjo
T: +62 31 9969 1717
Bali
Singaraja - Ngurah Rai Denpasar - Gatot Subroto Tabanan - Ahmad Yani
Jl. Ngurah Rai No. 8 Jl. Gatot Subroto Tengah No. 100C-D Jl. Ahmad Yani No. 2
Kel. Kendran, Kec Buleleng Denpasar Desa Banjar Anyar, Kec. Kediri
Kab. Buleleng T: +62 361 264 393 Kab. Tabanan
T: +62 362 227 99 F: +62 361 264 378 T: +62 361 815 778
F: +62 362 228 50 F: +62 361 815 390
Ubud Badung - Ngurah Rai Gianyar - Dharma Giri
Jl. Raya Andong Br. Petulu Jl. By Pass Ngurah Rai No. 188 Jl. Dharma Giri No. 4C
Kel. Petulu, Kec. Ubud Kel. Benoa, Kec. Kuta Selatan Kel. Gianyar, Kec. Gianyar
Kab. Gianyar Kab. Badung Kab Gianyar
T: +62 361 4792 727 T: +62 361 8498 195 T: +62 361 8958 311
F: +62 361 4792 728 F: +62 361 8498 196 F: +62 361 8958 312
Nusa Tenggara Barat / West Nusa Tenggara
Bima - Gajah Mada Mataram - Pejanggik Lombok Timur - Zainuddin
Jl. Gajah Mada No. 6 Karara Jl. Pejanggik Jl. TGKH M Zainuddin Abdul Madjid
Kel. Monggonao, Kec. Mpunda Kel. Cakranegara Barat, Kec. Cakranegara Kel. Pancor
Bima 84111 T: +62 370 633 222 Kab. Lombok Timur
T: +62 374 441 11 F: +62 370 629 863 T: +62 376 219 99
F: +62 374 430 18 F: +62 376 220 66
Nusa Tenggara Timur / East Nusa Tenggara Sulawesi Tengah / Central Sulawesi
Maumere - Sudirman Ende - Kelimutu Banggai - Luwuk
Jl. Jend. Sudirman RT 013/RW 004 Jl. Kelimutu No. 58 Jl. Kompleks Luwuk Shopping Mall Blok Timur
Kel. Waioti, Kec. Alok Timur Kel. Kelimutu, Kec. Ende Tengah 86319 No. 21
Kab. Sikka 86118 T: +62 381 2627 433 Kel. Luwuk, Kec. Luwuk
T: +62 382 2425 425 F: +62 381 2627 435 Kab. Banggai 94700
F: +62 382 2425 424 T: +62 461 235 55
F: +62 461 325 141
Kalimantan Barat / West Kalimantan
Ketapang - Letjen R. Suprapto Pontianak - Sintang Pontianak - Adi Sucipto
Jl. Letjen. R. Suprapto No. 30 Jl. MT Haryono Jl. Adi Sucipto No. 10
Ketapang Kel. Kapuas Kanan Hulu Kel. Bangka Belitung Darat, Kec. Pontianak
T: +62 534 3037 100 Sintang Tenggara
F: +62 534 3037 130 T: +62 565 2028 298 Pontianak
F: +62 565 2028 456 T: +62 561 581 617
Kalimantan Tengah / Central Kalimantan Sulawesi Utara / North Sulawesi
Sampit - A Yani Pangkalan Bun - Antasari Bitung - Wolter Monginsidi
Jl. Ahmad Yani No.155 Jl. Pangeran Antasari - Udan Said RT003 Jl. Wolter Monginsidi No. 14D
Kel. Mentawai Baru Hulu, Kec. Mentawa Baru Kel. Baru, Kec. Arut Selatan, Pangkalan Bun Wangurer
Ketapang Kab. Kotawaringin Barat Bitung 95541
Kab. Kotawaringin T: +62 532 289 00 T: +62 438 385 11
T: +62 531 234 88 F: +62 532 289 10
F: +62 531 253 55
Kalimantan Timur / East Kalimantan
Balikpapan - Balikpapan Baru Samarinda - Ahmad Dahlan Berau - Tanjung Redeb
Ruko Centra Eropa Blok AB7 No. 38 Jl. Ahmad Dahlan Ruko No. 3 Jl. SA Maulana No. 26-27 RT 011
Komp. Balikpapan Baru Samarinda Ilir Kel. Bugis Kec. Tanjung Redeb
Kel. Damai, Kec. Balikpapan Selatan Samarinda 75117 Kab. Berau
T: +62 542 7204 448 T: +62 541 746 121 T: +62 554 2025 888
F: +62 542 7208 886 F: +62 554 2025 356
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Kalimantan Selatan / South Kalimantan
Tanah Bumbu - Batulicin Banjarmasin - A Yani Tanah Bumbu - Sungai Danau
Jl. Raya Batulicin Desa Kampung Baru Jl. Ahmad Yani KM 3 No. 104 Jl. Provinsi No. 230 RT 005 Dusun II
Kel. Kampung Baru, Kec. Simpang Empat Banjarmasin Desa Sungai Danau, Kec. Satui
Kab. Tanah Bumbu T: +62 511 3252 882 Kab. Tanah Bambu
T: +62 518 701 25 F: +62 511 3252 973 T: +62 512 611 67
F: +62 518 701 24 F: +62 512 611 65
Martapura - A Yani
Jl. Ahmad Yani KM 37,5
Kel. Sungai Paring, Kec. Martapura
Kab. Banjar
T: +62 511 4780456, +62 8875 323 002
F: +62 511 4788 992
Sulawesi Selatan / South Sulawesi
Makassar - Manggis Pare-Pare - Veteran Bone - Langsat
Jl. Manggis No. 1 (Jl. Arief Rate) Jl. Veteran No. 40 RT 001/RW 004 Jl. Langsat
Makassar Kec. Ujung Sabban Kel. Macege, Kec. Tanete Riattang Barat
T: +62 411 858 700 Kota Pare -Pare 91114 Kab. Bone 92733
F: +62 411 858 477 T: +62 421 273 28 T: +62 481 286 79
F: +62 421 249 35 F: +62 481 287 83
Papua Barat / West Papua Papua Tengah
Palopo - Lagaligo Manokwari - Yos Sudarso Nabire – Merdeka
Jl. Kelapa RT 001/RW 004 Jl. Yos Sudarso Jl. Merdeka Ruko JDF No. 1
Kel. Lagaligo, Kec. Wara Kel. Manokwari Kec. Manokwari Barat Kel. Karang Mulia, Kec. Nabire
Palopo Manokwari 98312 Kab. Nabire
T: +62 471 351 165 T: +62 986 216 055 T: +62 984 238 51
F: +62 471 351 165 F: +62 986 216 054
Kantor Fungsional
Functional Offices
DKI Jakarta
Jakarta - OTO Kalimalang Jakarta - OTO Kedoya Jakarta - SOF Dewi Sartika
Jl. Raya Kalimalang (Tarum Barat) No. 1 C-D Ruko Graha Arteri Mas 5A Jl. Dewi Sartika No. 292C & D RT 004/RW 005
Kel. Pondok Kelapa, Kec. Duren Sawit Jl. Panjang No. 68 Kel. Cawang, Kec. Kramat Jati
Jakarta Timur Kel. Kedoya Selatan, Kec. Kebon Jeruk Jakarta Timur
T: +62 21 8690 7141 Jakarta Barat T: +62 21 2285 5240
F: +62 21 8690 7140 T: +62 21 5830 1070
Jawa Barat / West Java
Karawang - Pindodeli Bandung - Padalarang Bandung - Soreang
Desa Kuta Mekar BTB 6/9 Kp. Cigeunjing RT 013/RW 004 Jl. Soreang Banjaran No. 402
Kel. Kutamekar Kec. Ciampel Desa Kertajaya, Kec. Padalarang Kp. Ciburial Timur RT 006/RW0 06
Kab. Karawang 41361 Kab. Bandung Kab. Bandung
T: +62 267 8610 150 T: +62 22 8681 5198 T: +62 22 5891 481
F: +62 267 8610 145 F: +62 22 6804 101 F: +62 22 5891 873
Bandung - Ciparay Garut - Cikajang Cirebon - Cipeujeuh
Jl. Raya Laswi No. 592 RT 001/RW 001 Jl. Raya Cikajang No. 10 Jl. MT Haryono No. 38 RT 005/RW 002
Desa Gunung Leutik Kel. Cibodas, Kec. Cikajang Dusun 2 Desa Cipeujeh Wetan
Kel. Desa Gunung Leutik, Kec. Ciparay Kab. Garut Kec. Lemahabang
Kab. Bandung T: +62 262 576 309 Kab. Cirebon 45183
T: +62 22 5952 181 F: +62 262 576 348 T: +62 231 8638 891
F: +62 22 5952 182 F: +62 231 8638 895
Garut - Wanaraja Cirebon - Arjawinangun Tasikmalaya - Singaparna
Jl. Raya Wanaraja No. 50 Jl. Sultan Syahrir No. 2 (ex Jl. Pahlawan) RT 01/ Jl. Raya Timur No. 17
Karangpawitan RW 09 Dusun V Kel. Singaparna
T: +62 262 2449 470 Desa Jungjang, Kec. Arjawinangun Kab. Tasikmalaya
F: +62 262 2449 461 Kab. Cirebon 45162 T: +62 265 545 300
T: +62 231 357 716 F: +62 265 545 277
F: +62 231 359 070
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Bandung - AH Nasution Bandung - OTO Lengkong Kecil Bandung - Batununggal
Ruko Bandung Timur Kav. A11 Jl. Lengkong Kecil No. 50 Jl. Batununggal Indah Raya No. 164-166
Jl. AH Nasution No. 46A Kel. Paledang, Kec. Lengkong Bandung
Kel. Pakemitan, Kec. Cinambo Bandung 40261 T: +62 888 8779 856
Kota Bandung T: +62 22 4212 580
T: +62 22 6376 2330 F: +62 22 4210 189
F: +62 22 6376 4445
Sukabumi - Cisaat Garut - Limbangan Garut - Kadungora
Jl Raya Rambai No 45B Jl. Raya Limbangan No. 22 Jl. Raya Kadungora Kp. Cigunung Agung RT 001/
Kel. Sukamantri, Kec. Cisaat Sukabumi Kel. Blubur Limbangan, Kec. Limbangan Garut RW 006
Kab. Sukabumi Kab. Garut Kel. Kadungora, Kec. Kadungora 44153
T: +62 266 237 855 T: +62 262 431 420 T: +62 262 455 681
F: +62 266 216 058 F: +62 262 431 418 F: +62 262 455 682
Bandung - Rancaekek Bandung - Banjaran Majalengka - Jatiwangi
Jl. Raya Rancaekek No. 141 RT 003/RW 012 Kp. Jl. Raya Banjaran No. 66 RT 002/RW 003 Jl. Ahmad Yani No. 71
Babakan, Desa Majasetra Banjaran Wetan Desa Sutawangi, Kec. Jatiwangi
Kec. Majalaya, Kab. Bandung T: +62 22 5943 801 Kab. Majalengka
T: +62 22 5952 927 T: +62 233 883 899
Cirebon - Sumber Bekasi - SOF Pondok Gede Bandung - SOF Moch. Ramdan
Jl. Pangeran Cakrabuana, Blok Mentrik No. 3A Plaza Pondok Gede Ruko Blok F No. 20,21,22 Jl. Mohamad Ramdan No. 72 RT 005/RW003 Kel.
Kel. Kemantren, Kec. Sumber Pondok Gede, Jatiwaringin Ciateul, Kec Regol
Cirebon Bekasi 17411 Kota Bandung
T: +62 231 8308 877 T: 0812 1032 8648 T: +62 888 8779 854
F: +62 231 8308 876
Banten
Depok - OTO Point Automotive Cibubur Tangerang - SOF TangCity Tangerang - SOF Grand Arcade Cikupa
Ruko Cibubur Point Automotive Center Blok A Ruko Tangerang City Bussines Park Blok B 19-21 Ruko Grand Arkade Blok VB No. 10 & 12
No. 12B Jl. Jend. Sudirman No. 1 RT 001/ RW 005 Desa Mekar Bakti, Kec. Panongan
Jl. Raya Alternatif Cibubur (Trans Yogi) Kel. Cikokol, Kec. Tangerang Kab. Tangerang 15710
Desa Harjamukti Cibubur, Kota Depok Kota Tangerang T: +62 21 2202 8246
T: +62 22 8430 0369, 8430 0370 T: +62 21 2923 9111
Tangerang - SOF Balaraja Serang - SOF Taktakan Tangerang - OTO Cikokol
Jl. Raya Serang KM24 No. 3-4 RT 002/RW 002 Komp. Ruko Titan Arum Blok H2 Jl. Mohammad Husni Thamrin Cikokol
Kel. Balaraja, Kab. Tangerang Jl. Serang KM3 No. 4C Komp. Mahkota Mas Blok J No. 39 RT 003/RW
T: +62 21 5953 585, 5954 556 Kel. Drangong, Kec. Taktakan 010
F: +62 21 5954 587 Kota Serang Kel. Cikokol, Kec. Tangerang
T: +62 254 8242 783, 8242 676, 200 064 Kota Tangerang
Jawa Tengah / Central Java
Kendal - Weleri Wonogiri - Jend. Sudirman Semarang - Ungaran
Jl. Utama Timur No. 37A Jl. Jend. Sudirman No. 226 Bauresan Ungaran Square Ruko No. 10
Desa Weleri, Kec, Weleri Kel. Giritirto, Kec. Wonogiri Jl. Diponegoro No. 745 RT 002/RW 003
Kab. Kendal Kab. Wonogiri Kel. Ungaran, Kec. Ungaran Barat
T: +62 294 3641 042 T: +62 273 323 535, +62 881 280 234 Kab. Semarang
F: +62 294 3641 043 F: +62 273 324 084 T: +62 24 6925 860
F: +62 24 6925 861
Pekalongan - Kedungwuni Brebes - A Yani Banyumas - Ajibarang
Jl. Raya Kedungwuni No. 2 RT 002/RW 013 Jl. Ahmad Yani No. 25 RT 003/RW 021 Jl. Raya Ajibarang Tegal No. 8 RT 003/RW 008
Kel. Kedungwuni Barat, Kec. Kedungwuni Kel. Brebes, Kec. Brebes Kel. Desa Ajibarang Kulon, Kec. Ajibarang
Kab. Pekalongan Kab. Brebes Kab. Banyumas
T: +62 285 785 888 T: +62 283 672 395 T: +62 281 571 666
F: +62 285 785 400 F: +62 283 671 222 F: +62 281 571 991
Sukoharjo - Kartasura
Komp. Ruko Kartasura Blok F
Jl. Jend. Ahmad Yani No. 41 RT 001/RW 003 Kel.
Kartasura, Kec. Kartasura
Kab. Sukoharjo
T: +62 271 783 200
F: +62 271 784 377
Daerah Istimewa Yogyakarta / Special Region of Yogyakarta
Sleman - Kaliurang Sleman - Kalasan Yogyakarta - Ringroad
Jl. Kaliurang KM 8,1 Prujakan RT 004/RW 033 Jl. Raya Yogya Solo KM 105 Dukuh Sorogenen 1 Jl. Ringroad Utara RT 028/RW 016 Mancasan
Kel. Sinduharjo, Kec. Ngaglik Kel. Purwomartani, Kec. Kalasan Kel. Condong Catur, Kec. Depok
Kab. Sleman Kab. Sleman Kab. Sleman
T: +62 274 8722 600 T: +62 274 498 251 T: +62 274 8722 345
F: +62 274 885 219 F: +62 274 497 636 F: +62 274 8722 350
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Jawa Timur / East Java
Mojokerto - Mpu Nala Sidoarjo - Krian Surabaya - Rungku
Jl. Mpu Nala No. 85 RT 003/RW 003 Jl. Imam Bonjol No. 2A RT 033/RW 008 Jl. Jemur Andayani No. 11 RT 002/RW 008
Kel. Balongsari, Kec. Magersari Desa Ngingas, Kel. Krian, Kec. Krian Kel. Jemurwonosari, Kec. Wonocolo
Kota Mojokerto Kab. Sidoarjo Surabaya
T: +62 321 332 095 T: +62 31 8984 459 T: +62 31 8484 782
F: +62 321 320 111 F: +62 31 8984 460 F: +62 31 8484 780
Malang - Singosari Mojokerto - Mojosari Bondowoso - Tamansari
Jl. Panglima Sudirman Kav. 148H RT 003/RW 009 Royal Regency Blok RA 01 Jl. Kis Mangunsarkoro No. 431
Pagetan Singosari Jl. Raya Mojosari RT 003/RW 002 Kel. Tamansari, Kec. Bondowoso
Malang Pekukuhan Mojosari Kab. Bondowoso 68216
T: +62 341 454 914 Mojokerto T: +62 332 5551 987
F: +62 341 454 915 T: +62 321 590 381, 590 402 F: +62 341 826 797
F: +62 321 590 397
Batu - Dewi Sartika Ponorogo - Alun-Alun Timur Banyuwangi - Gajah Mada
Jl. Dewi Sartika No. 28B RT 005/RW 009 Jl. Alon-Alon Timur No. 4 RT 002/RW 003 Jl. Gajah Mada Kav. No. 14 RT 008/RW 003
Kel. Temas, Kec. Batu Kota Lingkungan Krajan Kel. Genteng Kulon, Kec. Genteng
Kota Batu Kel. Mangkujayan, Kec. Ponorogo Kab. Banyuwangi 68465
T: +62 341 591 198 Kab. Ponorogo
F: +62 341 591 177 T: +62 352 487 388
F: +62 352 487 288
Nusa Tenggara Barat / Nusa Tenggara Timur /
West Nusa Tenggara East Nusa Tenggara
Jember - Ahmad Yani Lombok Tengah - Praya Kupang - Timor Raya
Jl. Ahmad Yani No. 85 Jl. Jend. Sudirman No. 55-57 Praya Jl. Timor Raya KM 9
Kel. Kepatihan, Kec. Kaliwates Kel. Praya, Kec. Praya Kel. Oesapa, Kec. Kelapa Lima
Kab. Jember Kab. Lombok Tengah Kupang
T: +62 331 481 399 T: +62 8888 779 975 T: +62 380 8552 053
F: +62 380 8552 052
Kalimantan Tengah / Central Kalimantan Kalimantan Timur / East Kalimantan Maluku
Kotawaringin Timur - Sebabi Kutai Timur - PSM3 Muara Wahau Ambon - Sam Ratulangi
Jl. Jend. Sudirman KM 85 Komp. Emplasment Jakluay Desa Jakluay Jl. Sam Ratulangi No. 78
Desa/Kel. Sebabi, Kec. Telawang Kel. Jak Luay Kec. Muara Wahau Kel. Honipopu, Kec. Sirimau
Kab. Kotawaringin Timur Kab. Kutai Timur Ambon
T: +62 531 2068 482 T: +62 911 321 507
F: +62 531 2068 493
Sulawesi Utara / North Sulawesi Sulawesi Tengah / Central Sulawesi Gorontalo
Tomohon - Babe Palar Palu - Dewi Sartika Gorontalo - Jhon Ario Katili
Jl. Babe Palar Komp. Ruko Dewi Sartika Jl. Prof. DR. Jhon Ario Katilli No. 296 (ex Jl.
Kel. Matani 3, Kec. Tomohon Tengah Jl. Dewi Sartika Andalas No. 296) RT 002/RW 001
Tomohon Kel. Birobuli Utara, Kec. Palu Selatan Kel. Paguyaman, Kec. Kota Tengah Gorontalo
T: +62 431 3159 516 T: +62 451 486 444 Gorontalo 96127
F: +62 451 484 141 T: +62 435 824 115
Sulawesi Selatan / South Sulawesi
Makassar - Perintis Kemerdekaan Gowa - Sultan Hasanuddin Makassar - MTC
Jl. Perintis Kemerdekaan KM 11 (Ruko Permata) Jl. Sultan Hasanuddin Jl. Ahmad Yani MTC Lantai G Blok A No. 11-12
RT 001/RW 003 Kel. Pandang-Pandang, Kec. Somba Opu Kel. Baru, Kec. Ujung Pandang
Kel. Tamalanrea, Kec. Biringkanaya Kab. Gowa Makassar
T: +62 411 581 898 T: +62 411 889 936 T: +62 411 3632 992
F: +62 411 4771 800 F: +62 411 888 159 F: +62 411 3632 992
Sulawesi Tenggara / Southeast Sulawesi Papua
Kendari - Christina M Tiahahu Kendari - Bunggasi Jayapura - PT SKIP Lereh
Jl. Christina M Tiahahu RT 001/RW 001 Jl. Bunggasi RT 001/RW 002 PT SKIP Kasuari Mill Desa Lereh
Kel. Lepo-Lepo, Kec. Baruga Kel. Anduonohu, Kec. Poasia Kel. Desa Lereh, Kec. Kaureh
Kendari 93116 Kota Kendari 93232 Kab. Jayapura
T: +62 401 3191 865 T: +62 8524 0134 333 T: +62 8114 816 162
F: +62 401 3191 865
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Kantor Cabang Syariah
Sharia Branch Offices
Jawa Barat / West Java
Bandung - Buah Batu Bogor - Achmad Adnawijaya Karawang - Tuparev
Jl. Buah Batu No. 2 Jl. Achmad Adnawijaya No. 77 Jl. Tuparev No. 409 Johar
Kel. Burangrang, Kec. Lengkong Kel. Tegal Gundil, Kec. Bogor Utara Kel. Karawang Wetan, Kec. Karawang Timur
Kota Bandung Kota Bogor Kab. Karawang
T: +62 22 8735 6217 T: +62 251 8354 243 T: +62 267 8490 919
F: +62 22 8735 6357 F: +62 251 8354 240 F: +62 267-8490 920
Cirebon - Juanda Tasikmalaya - Yudanegara Sukabumi - Sudirman
Jl. Ir. H. Juanda No. 58 Blok Jembangan Jl. Yudanegara No. 39 Jl. Jend. Sudirman No. 42A
Desa Weru Lor, Kel. Weru Lor, Kec. Weru Kel. Yudanegara Kec. Cihideung Kel. Benteng Kec. Warudoyong
Kab. Cirebon Kota Tasikmalaya Kota Sukabumi
T: +62 231 8292 600 T: +62 265 380 176 T: +62 266 6224 222
F: +62 231 8292 602 F: +62 265 380 265 F: +62 266 6225 333
Jawa Tengah / Central Java
Purwokerto - S. Parman Pekalongan - Gajah Mada Kudus - HOS Cokroaminoto
Jl. S. Parman No. 77 Jl. Gajah Mada No. 6 Jl. HOS Cokroaminoto No. 62
Kel. Purwokerto Kulon, Kec. Purwokerto Selatan Kel. Bendan Kergon, Kec. Pekalongan Barat Kel. Mlati Lor, Kec. Kota Kudus
Kab. Banyumas Kota Pekalongan Kab. Kudus
T: +62 281 7775 570 T: +62 285 438 888 T: +62 291 433 160
F: +62 281 7775 914 F: +62 285 437 310 F: +62 291 437 633
DKI Jakarta
Solo - R.M Said Semarang - Wahidin Jakarta - Cik Ditiro
Jl. RM Said No. 142 Jl. Dr. Wahidin No. 62B Jl. Teuku Cik Ditiro No. 29
Kel. Punggawan, Kec. Banjarsari Kel. Jatingaleh, Kec. Candisari Kel. Menteng, Kec. Menteng
Kota Solo Kota Semarang Jakarta Pusat
T: +62 271 727 222 T: +62 24 8509 556 T: +62 21 3923 329
F: +62 271 734 377 F: +62 24 8509 546 F: +62 21 3923 379
Jawa Timur / East Java
Kediri - Hayam Wuruk Malang - Letjen Sutoyo Surabaya - Klampis
Jl. Hayam Wuruk Ruko Hayam Wuruk Trade Jl. Letjen. Sutoyo 88 A Jl. Klampis Jaya No. 27B
Centre Blok B2 Kel. Bunulrejo, Kec. Blimbing Kel. Klampis Ngasem, Kec. Sukolilo
Kel. Balowerti, Kec. Kota Kota Malang Kota Surabaya
Kota Kediri T: +62 34 1491 122 T: +62 31 5999 616
T: +62 354 2892 779 F: +62 31 5911 288
F: +62 354 2891 600
Daerah Istimewa Yogyakarta /
Bali
Special Region of Yogyakarta
Jember - Diponegoro Yogyakarta - Wates Bantul Denpasar - Renon
Jl. Diponegoro No. 101 Jl. Wates KM 2 No. 2A Komplek Graha Renon
Kel. Kepatihan, Kec. Kaliwates Kel. Ngestiharjo, Kec. Kasihan Jl. Raya Puputan 20A-B
Kab. Jember Kab. Bantul Kel. Dangin Puri, Kec. Denpasar Timur
T: +62 331 481 269 T: +62 274 413 772 Kota Denpasar
F: +62 331 482 147 T: +62 361 4789 911
F: +62 361 3300 814
Sumatera Barat / West Sumatera Sumatera Utara / North Sumatera Sumatera Selatan
Padang - Bagindo Aziz Chan Medan - Iskandar Muda Palembang - Kopral Anwar
Jl. Bagindo Aziz Chan No. 13 Jl. Iskandar Muda No. 33 Jl. Kopral Anwar Komplek Ruko Bakung Palace
Kel. Kampung Jao, Kec. Padang Barat Kel. Merdeka, Kec. Medan Baru No. 3 Simpang Dogan Kenteng Perumnas
Kota Padang Kota Medan Kel. Sako, Kec. Sako
T: +62 751 366 61 T: +62 61 8881 2038 Kota Palembang
F: +62 751 7535 030 F: +62 61 8881 2026 T: +62 711 820 783
Lampung Nanggroe Aceh Darussalam Riau
Bandar Lampung - Sudirman Banda Aceh - Sri Ratu Safiatuddin Pekanbaru - Tuanku Tambusai
Jl. Jend. Sudirman No. 55 G-H Jl. Sri Ratu Safiatuddin No. 45-47 Jl. Tuanku Tambusai No. 6
Kel. Rawa Laut, Kec. Enggal Kel. Peunayong, Kec. Kuta Alam Kel. Labuh Baru Timur, Kec. Payung Sekaki
Kota Bandar Lampung Kota Banda Aceh Kota Pekanbaru
T: +62 721 5606 900 T: +62 651 346 46 T: +62 761 416 99
F: +62 721 5604 001 F: +62 651 346 48
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Nusa Tenggara Barat /
Jambi Bengkulu
West Nusa Tenggara
Jambi - Mayor Abdul Karta Bengkulu - S. Parman Mataram - Selaparang
Jl. Mayor Abdul Karta Wirana No. 10 A-B Jl. S. Parman No. 405 Jl. Selaparang No. 83 Blok F-G
Kel. Budiman, Kec. Jambi Timur Kel. Penurunan, Kec. Ratu Samban Kel. Cakranegara Timur, Kec. Cakranegara
Kota Jambi Kota Bengkulu Kota Mataram
T: +62 741 3066 000 T: +62 736 7321 944 T: +62 370 7850 202
F: +62 741 3066 111 F: +62 736 7325 205 F: +62 370 7850 206
Sulawesi Selatan / South Sulawesi Kalimantan Selatan / South Kalimantan Kalimantan Barat / West Kalimantan
Makassar - Veteran Banjarmasin - Gatot Subroto Pontianak - A Yani
Jl. Veteran Selatan No. 90 Jl. Gatot Subroto Raya No. 5 Jl. Ahmad Yani 1 No. 38D
Kel. Maricaya Selatan, Kec. Mamajang Kel. Kebun Bunga Kec. Banjarmasin Timur Kel. Benua Melayu Darat, Kec. Pontianak Selatan
Kota Makassar Kota Banjarmasin Kota Pontianak
T: +62 411 875 690 T: +62 511 4321 210 T: +62 561 8183 075
Kalimantan Timur / East Kalimantan
Balikpapan - Sudirman
Jl. Jend. Sudirman Komplek Ruko Bandar Blok C No. 5
Kel. Klandasan, Kec. Balikpapan Kota
Kota Balikpapan
T: +62 542 7203 798
F: +62 542 7203 458
Kantor Cabang Pembantu Syariah
Sharia Sub-Branch Offices
DKI Jakarta Jawa Tengah / Central Java
Jakarta - Pasar Tanah Abang Blok A Jakarta - Pondok Kelapa Semarang - Ngaliyan
Jl. KH Mas Mansyur Pasar Tanah Abang Blok A Jl. Raya Pondok Kelapa Blok J13 No. 7 Jl. Prof. DR. Hamka (d/h Jl. Boja) No. 11C
Basement 1 Los F No. 88-89 Kel. Pondok Kelapa, Kec. Duren Sawit Ruko Ngalian
Kel. Kampung Bali, Kec. Tanah Abang Jakarta Timur Kel. Purwoyoso, Kec. Ngaliyan
Jakarta Pusat T: +62 21 8690 6985 Kota Semarang
T: +62 21 2357 1636 F: +62 21 8690 6986 T: +62 24 7627 722
F: +62 21 2357 1635 F: +62 24 7627 711
Jawa Timur / East Java
Malang - Kebon Agung Mojokerto - Bangsal Surabaya - Rungkut Kidul
Jl. Raya Kebon Agung Ruko Kebon Agung Mega Jl. Raya Pacing No. 20C Jl. Raya Rungkut Industri Kidul No. 45A
No. 7 Blok G Kel. Pacing, Kec. Bangsal Kel. Rungkut Kidul, Kec. Rungkut
Kel. Desa Kebon Agung, Kec. Pakisaji Kab. Mojokerto Kota Surabaya
Kab. Malang T: +62 321 330 063 T: +62 31 8418 365
T: +62 341 832 727
F: +62 341 832 728
Jawa Barat / West Java
Depok - Pancoran Mas Bandung - Cibaduyut Bandung - Rajawali
Ruko ITC Depok No. 18 Jl. Raya Cibaduyut Ruko Cibaduyut Residence A10 Jl. Rajawali Barat No. 65
Jl Margonda Raya Kel. Cibaduyut Wetan, Kec. Bojongloa Kidul Kel. Maleber, Kec. Andir
Kel. Pancoran Mas, Kec. Pancoran Mas Kota Bandung Kota Bandung
Kota Depok T: +62 22 8888 5938 T: +62 22 6046 319
T: +62 21 2950 2044
Sukabumi - Cibadak
Jl. Siliwangi No. 129
Kel. Karang Tengah, Kec. Cibadak
Kab. Sukabumi
T: +62 266 6531 500
F: +62 266 6531 222
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PEMBAHASAN DAN
ANALISIS MANAJEMEN
Management Discussion and Analysis
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Strategi Usaha 2023
Business Strategy 2023
Bank Sinarmas senantiasa mengamati dinamika pasar dan Bank Sinarmas constantly observes market dynamics and society
kebutuhan masyarakat sehingga mampu mempersiapkan strategi needs to prepare mature and targeted business strategies. The
usaha yang matang dan tepat sasaran. Adapun strategi usaha business strategies implemented by the Bank in 2023 are outlined
yang dilakukan Bank di tahun 2023, adalah sebagai berikut. as follows:
1. Memaksimalkan pengelolaan likuiditas dan menjaga 1. Maximizing liquidity management and maintaining
profitabilitas melalui penempatan surat berharga dan reverse profitability through investments in securities and reverse
repo di Bank Indonesia. repos at Bank Indonesia.
2 . Menyalurkan kredit pada bidang usaha tertentu serta 2. Extending credit to specific sectors while prioritizing those
mengutamakan sektor yang memiliki prospek usaha dan with promising business outlook and adequate collateral.
agunan yang memadai.
3. Mengembangkan ragam produk dan layanan yang dapat 3. Developing various products and services accessible to
diakses oleh nasabah melalui seluruh channel touch point customers through all existing touchpoints to increase fund
yang ada untuk meningkatkan penghimpunan dana, jumlah collection, user numbers, and usage.
user, dan usage.
4. Meningkatkan pendapatan operasional di luar bunga dengan 4. Increasing fee-based income by strengthening synergy with
memperkuat sinergi dengan unit bisnis Bank Sinarmas lainnya other business units of Bank Sinarmas to enhance foreign
untuk meningkatkan transaksi valuta asing. Bank Sinarmas juga exchange transactions. Bank Sinarmas also continued to
terus melakukan cross selling dan up selling melalui penjualan conduct cross-selling and up-selling through the sale of
produk bancassurance, reksadana, serta penawaran lainnya. bancassurance products, mutual funds, and other offerings.
Tinjauan Kinerja per Segmen Usaha
Performance Overview by Business Segment
PT. Bank Sinarmas Tbk. (“Bank Sinarmas” atau “Bank”) membagi PT Bank Sinarmas Tbk. (“Bank Sinarmas, the Bank”) divides the
pembahasan kinerja per segmen usaha menjadi 5 bagian, yaitu performance by business segment discussion into 5 (five): Third
Penghimpunan Dana Pihak Ketiga, Penyaluran Kredit, Treasury, Party Fund Collection, Loan Disbursement, Treasury, Export and
Ekspor dan Impor, serta Perbankan Syariah. Kinerja masing-masing Import, and Sharia Banking. The details are outlined as follows.
segmen tersebut diungkapkan sebagai berikut.
Penghimpunan Dana Fund Collection
Bank Sinarmas senantiasa meningkatkan layanan kepada nasabah Bank Sinarmas continuously enhances its services to customers
dengan menghadirkan inovasi produk penghimpunan dana, by introducing innovative fund-raising products, such as demand
seperti giro, tabungan, dan deposito berjangka. Produk giro deposits, savings accounts, and time deposits. Current account
tersedia dengan berbagai pilihan mata uang, mulai dari IDR, USD, products are available in various currency options, including IDR,
SGD, EUR, AUD, JPY, hingga CNY, baik bagi nasabah perorangan USD, SGD, EUR, AUD, JPY, and CNY, for both individual and non-
maupun non-perorangan. Sementara itu, untuk produk deposito, individual customers. Meanwhile, for deposit products, the Bank
Bank memberikan tenor yang lebih panjang hingga 36 bulan offers longer tenors of up to 36 months in IDR, USD, AUD, JPY,
dalam mata uang IDR, USD, AUD, JPY, dan CNY. and CNY currencies.
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Seiring dengan langkah digitalisasi, Bank menyediakan berbagai In line with the digitization efforts, the Bank provides various
jenis tabungan yang dapat dengan mudah dan cepat diakses types of savings accounts that can be easily and quickly accessed
melalui mobile banking SimobiPlus dan internet banking. Melalui through the SimobiPlus mobile banking and internet banking
layanan digital ini, nasabah dapat membuka rekening deposito platforms. Through these digital services, customers can open
dengan tingkat suku bunga yang kompetitif dan nilai penempatan deposit accounts with competitive interest rates and low
yang rendah. placement amounts.
Produk Penghimpunan Dana
Fund Collection Products
Jenis Tabungan Uraian
Type of Savings Description
Tabungan Simas Bisnis Tabungan untuk kegiatan usaha nasabah, baik nasabah perorangan maupun non-perorangan.
Savings for customers’ business activities, both individual and non-individual customers
Tabungan Simas Diamond Tabungan premium yang memberikan berbagai keuntungan untuk nasabah.
Premium savings that offer various benefits for customers.
Tabungan Simas Gold Tabungan reguler dengan tarif rendah dan menawarkan berbagai promo menarik sepanjang tahun.
Regular savings with low fees and offer various attractive promotions throughout the year.
Tabungan Simas Payroll Tabungan untuk kebutuhan pembayaran payroll karyawan.
Savings for employee payroll needs.
Tabungan Simas Digi Tabungan yang diperuntukkan bagi nasabah baru, pembukaan rekening 100% online dan mudah, serta
memberikan keuntungan bebas biaya.
Savings for new customers, with 100% online and easy account opening, and offer fee-free benefits.
Simas Tabungan Rencana (Simas TARA) Tabungan dengan setoran bulanan untuk perencanaan keuntungan nasabah (saving goals) yang dilengkapi
dengan layanan auto debit.
Savings with monthly deposits for customer profit planning (saving goals) equipped with auto debit services.
Tabungan Co-Branding Tabungan dalam bentuk kerja sama dengan pihak ketiga.
Savings in the form of partnerships with third parties.
Tabungan RDP2P Tabungan untuk kebutuhan transaksi nasabah dengan perusahaan financial technology.
Savings for customer transaction needs with financial technology companies.
Tabungan Simas Investor Tabungan dengan keuntungan menarik khusus diperuntukkan bagi nasabah investor yang memiliki rekening
dana nasabah di Bank Sinarmas.
Savings with attractive benefits specifically for investor customers who have customer fund accounts at Bank
Sinarmas.
Simas Valas Tabungan untuk memenuhi kebutuhan transaksi dalam valuta asing nasabah.
Savings to meet customer foreign currency transaction needs
TabunganKu Tabungan dengan persyaratan mudah dan ringan untuk menumbuhkan budaya menabung masyarakat.
Savings with easy and light requirements to foster a savings culture among the community.
Simpanan Pelajar Tabungan yang khusus diperuntukkan bagi pelajar, mulai dari Pendidikan Anak Usia Dini (PAUD) sampai dengan
Sekolah Menengah Atas (SMA) atau sederajat untuk mendorong budaya menabung sejak dini.
Savings specifically for students, from Early Childhood Education (PAUD) to Senior High School (SMA) or
equivalent, to encourage saving habits from an early age.
Simas Basic Savings Account Tabungan dengan layanan keuangan tanpa kantor dalam rangka keuangan inklusi (laku pandai) untuk
memperluas akses layanan perbankan masyarakat.
Savings with branchless financial services in order to promote financial inclusion (Laku Pandai) to expand public
access to banking services.
Fokus dan Strategi 2023 Focus and Strategies in 2023
Pemulihan ekonomi secara berkelanjutan masih terjadi di tahun Sustainable economic recovery is still ongoing in 2023. In
2023. Dalam mengantisipasi kondisi tersebut, Bank Sinarmas anticipation of this situation, Bank Sinarmas has set the focus and
menetapkan fokus dan strategi untuk meningkatkan kinerja strategy to enhance the performance of fund collection segments
segmen penghimpunan dana sebagai berikut. as follows.
1. Menambah customer base dengan meningkatkan jumlah 1. Increasing the customer base by raising the number and
dan produktivitas tenaga penjual yang fokus pada akuisisi productivity of sales personnel focusing on acquiring new
nasabah baru. customers.
2. Bekerja sama dengan beberapa partner yang telah memiliki 2. Collaborating with several partners who had extensive and
jaringan luas dan ternama akan menjadi salah satu reputable networks would be one of the strategies to enhance
strategi untuk meningkatkan nasabah retail customer dan retail customer acquisition and increase the equity value of
meningkatkan nilai ekuitas Bank Sinarmas dan partner. Bank Sinarmas and its partners.
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3. Menambah fitur pada mobile banking Bank Sinarmas untuk 3. Adding features to Bank Sinarmas’ mobile banking for cross-
melakukan cross selling produk Bank dan kemudahan transaksi selling of the Bank products and facilitating transactions for
bagi nasabah, yaitu: penambahan biller, penambahan fitur customers, such as: adding billers, adding product features,
produk dan fitur Personal Financial Management (PFM). and Personal Financial Management (PFM) features.
4. Melakukan evaluasi secara berkala atas kebijakan pricing yang 4. Conducting periodic evaluations of the pricing policies
berlaku di masing-masing produk yang disesuaikan dengan: applicable to each product, adjusted according to: the Bank’s
strategi bank, kondisi pasar industri perbankan, kebutuhan strategy, market conditions in the banking industry, funding
pendanaan untuk mendukung pinjaman, dan meningkatkan needs to support loans, and enhancing core funding in the
core funding dalam jangka panjang. long term.
5. Bank juga meningkatkan akses channel pemasaran lewat 5. The Bank also enhanced marketing channel access through
mobile banking serta internet banking agar memberikan mobile banking and internet banking to provide banking
kemudahan transaksi perbankan bagi nasabah selama masa transaction convenience for customers during this pandemic
pandemi ini (jaringan ATM/CRM, mesin EDC, serta QRIS). period (ATM/CRM network, EDC machines, and QRIS).
6. Meningkatkan bisnis ekosistem nasabah korporasi di cabang- 6. To enhance the corporate customer ecosystem business
cabang Bank Sinarmas, sehingga dengan ekosistem tersebut across Bank Sinarmas branches, so that with this ecosystem, it
dapat meningkatkan jumlah dana pihak ketiga Bank serta could increase the amount of third-party funds at the Bank as
memperluas area jangkauan Bank Sinarmas kepada nasabah- well as expanding the outreach area of Bank Sinarmas to new
nasabah korporasi baru. corporate customers.
7. Melakukan kerja sama baru dengan beberapa partner 7. Establishing new partnerships with several reputable
bisnis yang telah memiliki jaringan luas dan ternama untuk businesses that had extensive networks to enhance corporate
meningkatkan corporate customer. customers.
8. Melakukan tier-based approach dengan memfokuskan 8. Implementing a tier-based approach by focusing on existing
nasabah-nasabah existing yang mempunyai AUM < IDR customers with AUM < IDR 500 million to increase the average
500M sehingga dapat meningkatkan average product ratio/ product ratio/customer.
nasabah.
9. Melakukan akuisisi nasabah baru yang mempunyai kebutuhan 9. Acquiring new customers with forex exposure and trade
forex exposure dan trade finance, seperti perusahaan export/ finance needs, such as export/import companies, shipping
import, shipping & freight, dan trading, sehingga terjadi & freight, and trading, to increase the number of customers
peningkatan jumlah nasabah dan frekuensi deal forex yang and forex deal frequency that could enhance the average
dapat meningkatkan rata-rata penempatan dana nasabah. customer fund placement.
Kinerja Usaha 2023 Business Performance in 2023
Pada tahun 2023, simpanan nasabah yang berhasil dibukukan In 2023, Bank Sinarmas successfully recorded the customer
Bank Sinarmas mencapai Rp38.841 miliar, meningkat 8,47% deposits of Rp38,841 billion, an increase of 8.47% compared to
dibandingkan tahun 2022 sebesar Rp32.120 miliar. Komposisi Rp32,120 billion in 2022. The composition of customer deposits
simpanan nasabah Bank sebagian besar berasal dari giro sebesar at the Bank mostly comes from current accounts, amounting
41,86%, disusul oleh tabungan dan deposito berjangka masing- to 41.86%, followed by savings accounts and time deposits at
masing sebesar 30,32% dan 27,82%. 30.32% and 27.82%, respectively.
Meningkatnya simpanan nasabah ini terutama dipengaruhi oleh The increase in customer deposits is mainly influenced by one of
salah satu strategi Bank dalam meningkatkan penghimpunan the Bank's strategies to enhance fund collection by expanding the
dana dengan menambah customer base yang fokus pada akuisisi customer base which focuses on customer acquisition through
nasabah baru melalui program promosi. Program ini juga diberikan promotion programs. This program is also extended to existing
kepada nasabah eksisting guna menarik fresh fund dengan jangka customers to attract fresh funds with long-term commitments
waktu yang lama dan tetap memperhatikan syarat dan ketentuan while adhering to the applicable terms and conditions as well as
yang berlaku di Bank serta prosedur yang jelas. clear procedures at the Bank.
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Komposisi Simpanan Konvensional
Composition of Conventional Deposits
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Keterangan 2023 2022 2021 Growth (Decrease) Description
(%)
Giro 14.584.229 13.520.363 17.905.579 7,87 Demand Deposits
Tabungan 10.564.963 9.775.656 10.126.333 8,07 Savings
Deposito Berjangka 9.691.539 8.823.996 9.645.706 9,83 Time Deposits
Jumlah 34.840.731 32.120.015 37.677.618 8,47 Total
Jumlah giro konvensional Bank tahun 2023 mencapai Rp14.584 The total conventional demand deposits of the Bank in 2023
miliar, meningkat 7,87% dibandingkan tahun sebelumnya reached Rp14,584 billion, an increase of 7.87% compared to the
sebesar Rp13.520 miliar. Sebagian besar giro tersebut berasal previous year’s Rp13,520 billion. The majority of these demand
dari pihak ketiga yang tercatat sebesar 66,21% dari jumlah giro deposits originate from third-party funds, accounting for 66.21%
konvensional. of the total conventional current accounts.
Komposisi Giro Konvensional
Composition of Conventional Demand Deposits
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
Pihak Berelasi 4.928.596 33,79 3.141.770 23,24 56,27 Related Party
Pihak Ketiga 9.655.633 66,21 10.378.593 76,76 (6,78) Third Party
Jumlah 14.584.229 100,00 13.520.363 100,00 7,87 Total
Dana yang dihimpun Bank dalam bentuk tabungan konvensional The funds collected by the Bank in the form of conventional savings
meningkat 8,07%, dari Rp9.776 miliar di tahun 2022 menjadi increased by 8.07%, from Rp9,776 billion in 2022 to Rp10,565
Rp10.565 miliar di tahun 2023. Jumlah nilai ini didominasi oleh billion in 2023. The total value is predominantly comprised of
tabungan pihak ketiga yang mencapai 99,23%. third-party conventional savings, reaching 99.23%.
Kinerja Produk Tabungan Konvensional
Composition of Conventional Savings
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
Pihak Berelasi 81.369 0,77 92.073 0,94 (11,63) Related Party
Pihak Ketiga 10.483.594 99,23 9.683.583 99,06 8,26 Third Party
Jumlah 10.564.963 100,00 9.775.656 100,00 8,07 Total
Jumlah deposito berjangka konvensional pada tahun 2023 The total conventional time deposits in 2023 increased by 9.83%
meningkat 9,83% menjadi Rp9.692 miliar dari Rp8.824 miliar to Rp9,692 billion from Rp8,824 billion in 2022. The total value is
pada tahun 2022. Jumlah nilai ini didominasi oleh deposito pihak predominantly comprised of third-party time deposits, accounting
ketiga sebesar 90,64%. for 90.64%.
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Kinerja Produk Deposito Berjangka Konvensional
Performance of Conventional Time Deposits
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
Pihak Berelasi 906.764 9,36 647.886 7,34 39,96 Related Party
Pihak Ketiga 8.784.775 90,64 8.176.110 92,66 7,44 Third Party
Jumlah 9.691.539 100,00 8.823.996 100,00 9,83 Total
Kinerja Deposito Berjangka Konvensional berdasarkan Waktu
Performance of Conventional Time Deposit Products
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
< 1 bulan 1.841.217 19,00 768.673 8,71 139,53 Less than 1 month
1 bulan 4.807.975 49,61 5.049.902 57,23 (4,79) 1 month
3 bulan 1.723.129 17,78 1.404.071 15,91 22,72 3 months
6 bulan 719.987 7,43 346.214 3,92 107,96 6 months
12 bulan 585.014 6,04 1.235.533 14,00 (52,65) 12 months
> 12 bulan 14.217 0,15 19.603 0,22 (27,48) More than 12 months
Jumlah 9.691.539 100,00 8.823.996 100,00 9,83 Total
Rencana Strategis 2024 Strategic Plan 2024
Strategi Bank Sinarmas dalam meningkatkan pertumbuhan Bank Sinarmas’s strategy to enhance the growth of the third-party
segmen usaha penghimpunan dana pihak ketiga di tahun 2024 fund-raising business segment in 2024 is outlined as follows:
diungkapkan sebagai berikut.
1. Meneruskan fokus kepada nasabah retail dengan segmentasi 1. Continuing to focus on retail customers with more precise
yang lebih terukur untuk memberikan penawaran yang segmentation to provide the best offerings adjusted to each
terbaik kepada nasabah sesuai dengan kebutuhan dan profil customer’s needs and risk profile.
risikonya.
2. Meluncurkan program menarik untuk menambah customer 2. Launching attractive programs to expand the customer base
base dan top up, baik dari segi individual dan non-individual and top-up, both for individuals and non-individuals, while
serta meningkatkan layanan yang baik. enhancing excellent services.
3. Menarik nasabah generasi muda terutama dari jalur digital. 3. Attracting young generation customers, especially through
digital channels.
4. Meneruskan inisiatif untuk turut serta dalam meningkatkan 4. Continuing initiatives to contribute to enhancing financial
literasi keuangan Indonesia melalui berbagai acara dan literacy in Indonesia through various events and programs.
program.
5. Meningkatkan ekosistem bisnis korporasi Bank serta 5. Enhancing the Bank’s corporate business ecosystem and
kolaborasi dengan cabang untuk memperluas area jangkauan collaborating with branches to expand the corporate customer
nasabah korporasi. reach.
6. Melakukan evaluasi secara berkala kebijakan pricing sesuai 6. Conducting periodic evaluations of pricing policies in line
dengan strategi bank, kondisi pasar perbankan, kebutuhan with the Bank’s strategy, banking market conditions, funding
pendanaan Bank serta meningkatkan porsi core funding Bank needs, and increasing the portion of long-term core funding
dalam jangka panjang dengan fokus pada penambahan dana with a focus on adding low-cost funds through demand
murah melalui jasa giro ataupun tabungan. deposits or savings account services.
7. Kolaborasi dengan partner strategis, seperti bill payment 7. Collaborating with strategic partners, such as bill payment
aggregator, merchant online dan offline, Application aggregators, online and offline merchants, payment
Programming Interface (API) pembayaran, dan kerja sama Application Programming Interfaces (APIs), and virtual
virtual account untuk akuisisi dan meningkatkan transaksi. account partnerships for customer acquisition and transaction
growth.
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Penyaluran Kredit Loan Disbursement
Penyaluran kredit merupakan aktivitas pembiayaan bagi nasabah, Credit disbursement is a financing activity for customers, including
meliputi pembiayaan modal kerja, investasi, dan konsumsi. working capital, investment, and consumption financing. The
Segmentasi penyaluran kredit Bank terbagi menjadi Mikro SME, Bank divides its loan disbursement into micro SMEs, commercial,
komersial, korporat, dan consumer. corporate, and consumer.
Pada segmen Mikro SME, Bank tetap fokus untuk menyalurkan In the Micro SME segment, the Bank remains focused on
kredit produktif ke pelaku wirausaha dengan melakukan disbursing productive loans to entrepreneurs by re-marketing and
pemasaran kembali dan melakukan beberapa perbaikan terkait making several improvements related to product requirements,
persyaratan produk, khususnya pada produk Simas KUK dan especially for Simas KUK and Simas Dana Tunai (SDT) products.
Simas Dana Tunai (SDT).
Produk Penyaluran Kredit
Lending Products
Jenis Produk Uraian
Type of Products Description
Segmen Mikro / Micro Segment
Simas Kredit Usaha Rakyat Terdiri dari:
(KUR) • KUR Mikro
• KUR Kecil
• KUR Khusus, kredit yang diberikan ke para pelaku usaha agribisnis (pertanian dan peternakan) dengan plafon maksimal
Rp500 juta/calon nasabah, dengan konsep off taker.
Consisting of:
• Micro KUR
• Small KUR
• Special KUR, credit given to agribusiness (farmers and livestocks) with a maximum ceiling of Rp500 million/potential
customer, with an off taker concept.
Simas Kredit Usaha Kecil Kredit produktif yang diberikan ke pelaku usaha dengan plafon mulai dari Rp200 juta sampai dengan Rp2 miliar per nasabah.
(KUK) Productive credit provided to business players with Credit ceiling starts from Rp200 million to Rp2 billion per customer.
Kredit Tanpa Agunan (KTA) Program kredit yang memfokuskan pada pemberian kredit ke para petani sawit untuk kebutuhan pembelian sarana
Sawit produksi.
Palm Oil Unsecured Credit Credit programs focusing on providing credit to oil palm farmers for the purchase of production facilities.
(KTA)
Simas Dana Tunai (SDT) Kredit produktif yang diberikan kepada pelaku usaha, baik perorangan atau badan usaha, dengan plafon mulai dari Rp1 miliar
Simas Cash Fund (SDT) sampai dengan Rp5 miliar per nasabah.
Productive loans provided to businesses, either individuals or corporations, with ceilings start from Rp1 billion to Rp5 billion per
customer.
Perluasan Agunan Kredit yang diberikan kepada nasabah yang telah memiliki investasi berupa bancassurance dan reksadana yang telah
Expansion of Collateral bekerja sama dengan Bank Sinarmas.
Loans provided to customers who already have investments in bancassurance and mutual funds in collaboration with
Bank Sinarmas.
Back to Back Kredit yang diberikan kepada nasabah yang telah memiliki deposito di Bank Sinarmas.
Loans provided to customers who already have deposits at Bank Sinarmas.
Supply Chain Financing (SCF) Kredit modal kerja yang diberikan kepada buyer (distributor) untuk tujuan pelunasan/pembayaran atas pembelian/
pengadaan stok barang dagang dari pihak seller (principal) dalam satu mata rantai bisnis.
Working capital loans provided to buyers (distributors) for settling/ payment for the purchase/ acquisition of merchandise
stock from the seller (principal) within a business chain.
Segmen Consumer / Consumer Segment
KTA Payroll Kredit tanpa agunan berjangka waktu 1-5 tahun untuk karyawan dari perusahaan yang pembayaran payroll melalui Bank
Payroll KTA Sinarmas
Unsecured credit with a tenure of 1-5 years for employees of companies that process payroll through Bank Sinarmas
Kredit Pemilikan Rumah (KPR) Kredit yang bertujuan untuk pembelian rumah baru, baik inden maupun ready stock, berjangka waktu hingga 25 tahun.
Home Ownership Loans (KPR) Limit KPR mulai dari Rp500 juta hingga Rp25 miliar.
Loans aimed at purchasing new homes, both pre-sale and ready stock, with a term of up to 25 years. The Home
Ownership Loan (KPR) ceiling starts from Rp500 million to Rp25 billion.
Kredit Multiguna (KMG) Kredit untuk tujuan multiguna, yang terdiri dari KMG dengan jaminan fixed asset.
Multi Purpose KTA Multipurpose credit, consisting of Multi-purpose Credit (KMG) with fixed asset collateral.
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Jenis Produk Uraian
Type of Products Description
Kredit Kepemilikan Mobil Kredit yang ditujukan untuk pembelian mobil baru, berjangka waktu 1-3 tahun. Bank Sinarmas bekerja sama dengan
(KPM) perusahaan-perusahaan yang mau meningkatkan loyalitas karyawan berprestasi dengan memberikan benefit berupa
fasilitas COP.
Car Ownership Credit (KPM) Credit aimed at purchasing a new car, with a tenure of 1-3 years. Bank Sinarmas collaborates with companies willing to
enhance the loyalty of high-performing employees by providing benefits in the form of Company Owned Personal (COP)
facilities.
Segmen Usaha Kecil dan Menengah (SME Loan) / Small and Medium Enterprises Segment (SME Loan)
Supply Chain Financing & Fasilitas kredit/pembiayaan kepada Perusahaan dalam satu rantai bisnis yang sama. Produk ini merupakan produk
Distributor Financing unggulan pada tahun buku berjalan.
Credit/financing facilities to companies within the same business chain. This product is a flagship product in the current
fiscal year.
Produk Kerja Sama Penyaluran Fasilitas kredit/pembiayaan dengan skema channeling/referral kredit dari perusahaan peer to peer lending dengan plafon
Kredit/Pembiayaan melalui maksimal Rp2 miliar/nasabah.
Perusahaan Digital Lending Credit/financing facilities with a channeling/referral scheme from peer-to-peer lending companies with a maximum limit
Lending/Financing Products of Rp2 billion per customer.
in Collaboration with Digital
Lending Companies
Kredit Modal Kerja dan Kredit Fasilitas kredit/pembiayaan produktif kepada pelaku usaha dengan plafon maksimal Rp15 miliar/nasabah.
Investasi Productive credit/financing facilities for entrepreneurs with a maximum limit of Rp15 billion per customer.
Working Capital Loan &
Investment Loan
Segmen Korporat / Corporate Segment
Modal Kerja Fasilitas kredit dengan jangka waktu relatif pendek umumnya (± 1 tahun) yang digunakan untuk modal kerja usaha
dengan plafon > Rp75 miliar.
Credit facilities with relatively short terms (± 1 year) commonly used for business working capital with a ceiling of
exceeding Rp75 billion.
Investasi Fasilitas kredit dengan jangka waktu lebih dari 1 tahun yang diberikan kepada badan usaha untuk tujuan investasi dengan
plafon > Rp75 miliar.
Credit facilities with terms exceeding 1 year provided to businesses for investment purposes with a celling of exceeding
Rp75 billion.
Segmen Komersial / Commercial Segment
Modal Kerja Fasilitas kredit dengan jangka waktu relatif pendek (± 1 tahun) yang digunakan untuk modal kerja usaha dengan plafon
> Rp15 miliar-Rp75 miliar.
Credit facilities with relatively short terms (± 1 year) used for business working capital with a celling of between Rp15
billion and Rp75 billion.
Investasi Fasilitas kredit dengan jangka waktu lebih dari 1 tahun yang diberikan kepada badan usaha untuk tujuan investasi.
Credit facilities with terms exceeding 1 year provided to businesses for investment purposes.
Supply Chain Financing & Fasilitas pembiayaan kepada perusahaan dalam satu rantai bisnis.
Distributor Financing Financing facilities to companies within the same business chain. This product is a flagship product for the current fiscal
year.
Fokus dan Strategi 2023 Focus and Strategies in 2023
Fokus dan strategi yang dilakukan Bank Sinarmas dalam Bank Sinarmas set focus and strategies in order to improve credit
rangka meningkatkan kinerja penyaluran kredit di tahun 2023 disbursement performance in 2023 which is outlined as follows.
diungkapkan sebagai berikut.
Segmen Fokus dan Strategi 2023
Segment Description
Segmen Mikro Memusatkan perhatian pada pemasaran produk-produk seperti KUR, Simas KUK, serta program kredit, seperti Top Up
(baik sebagai inisiatif Bank maupun inisiatif debitur) serta Re-Akuisisi untuk debitur-debitur lancar dan lunas di Bank
Sinarmas. Bank juga berupaya meningkatkan jumlah seller aktif di setiap unit mikro. Selain itu, Bank mengoptimalkan
penyaluran kredit melalui “P2P Lending” yang sementara waktu bekerja sama dengan pihak Danamas.
Focusing on marketing products such as KUR (People’s Business Credit), Simas KUK, as well as credit programs such as
Top Up (initiated by both the Bank and the borrower) and Re-Acquisition for borrowers with good repayment records at
Bank Sinarmas. The Bank also strived to increase the number of active sellers in each micro unit. Additionally, the Bank
optimized credit distribution through "P2P Lending," which temporarily collaborated with Danamas.
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Segmen Fokus dan Strategi 2023
Segment Description
Segmen Consumer • Membangun kerja sama dengan Sinarmas Land dalam menyalurkan KPR primary; dan
• Meningkatkan penyaluran KTA Payroll kepada nasabah-nasabah payroll Bank Sinarmas.
• Establishing partnerships with Sinarmas Land to distribute primary KPR loans.
• Increasing the distribution of Payroll Unsecured Credit (KTA) to Bank Sinarmas payroll customers.
Segmen Usaha Kecil dan • Fokus memasarkan produk Simas Dana Tunai (SDT), back to back, Supply Chain Financing (SCF) ke grup dan perluasan
Menengah (SME Loan) jaminan;
Small and Medium Enterprise • Memaksimalkan peningkatan eksposur debitur baru pembiayaan SCF kepada Sinarmas Land Group;
Segment (SME Loan) • Mengeksplorasi bisnis SCF kepada pilar usaha Sinarmas lainnya yang dinilai memiliki risiko yang lebih dapat dimitigasi; dan
• Memaksimalkan aktif seller di setiap cabang yang menyalurkan kredit SME Loan dalam hal akuisisi kredit.
• Focusing on marketing Simas Cash Fund (SDT) products., back-to-back, Supply Chain Financing (SCF) products to
groups and expanding collateral;
• Maximizing the increase in exposure of new debtor financing for SCF to the Sinarmas Land Group; and
• Exploring SCF business to other Sinarmas business pillars deemed to have more mitigable risks.
• Maximizing the active role of sellers in each branch in disbursing SME Loan credits in terms of credit acquisition.
Segmen Korporat • Meningkatkan jumlah kredit sindikasi, fokus pada penyaluran kredit ke perusahaan besar, state-owned enterprises, dan
perusahaan yang bergerak di bidang perdagangan yang memiliki prospek pertumbuhan usaha dan track record yang baik;
• Penyaluran kredit kepada debitur dengan mempertimbangkan agunan fixed asset atau tunai (back to back) atau
sumber pembayaran berdasarkan kontrak yang pasti dan jangka waktu yang relatif singkat serta memiliki prospek
usaha yang baik; dan
• Menjaga kualitas portofolio kredit dengan memaksimalkan fungsi early warning dan pemantauan debitur secara
berkala atas kelangsungan usaha debitur.
• Increasing the amount of syndicated loans, focusing on disbursing credit to large companies, state-owned enterprises,
and trading companies with promising business prospects and a good track record;
• Channeling credit to borrowers by considering fixed asset collateral or cash (back-to-back) or payment sources based
on definite contracts with relatively short terms and having good business prospects; and
• Maintaining the quality of the credit portfolio by maximizing the early warning function and regularly monitoring
borrowers' business continuity.
Segmen Komersial • Mengoptimalkan penyaluran kredit modal kerja skema Supply Chain Financing (SCF);
• Mengeksplorasi pembiayaan melalui kerja sama dengan perusahaan Financial Technology (P2P Lending); dan
• Menjaga kualitas portofolio kredit dengan memaksimalkan fungsi early warning dan pemantauan debitur secara
berkala atas kelangsungan usaha debitur.
• Optimizing the disbursement of working capital loans through the Supply Chain Financing (SCF) scheme;
• Exploring financing through partnerships with Financial Technology (P2P Lending) companies; and
• Maintaining the quality of the credit portfolio by maximizing the early warning function and regularly monitoring
borrowers' business continuity.
Kinerja Usaha 2023 Business Performance in 2023
Pada tahun 2023, jumlah penyaluran dana dalam bentuk kredit In 2023, the total disbursement of funds in the form of credit
sebesar Rp11.746 miliar, menurun 4,19% dibandingkan tahun amounted to Rp11,746 billion, a decrease of 4.19% compared
2022 yang sebesar Rp12.260 miliar. Kondisi ini sejalan dengan to Rp12,260 billion in 2022. This condition is consistent with the
menurunnya kredit investasi dan konsumsi, masing-masing decrease in investment and consumption credit, by 20.32% and
sebesar 20,32% dan 3,22%. Sementara itu, kredit modal kerja 3.22% respectively. Meanwhile, working capital credit increased
meningkat 8,35%, dari Rp4.935 miliar menjadi Rp5.347 miliar. by 8.35%, from Rp4,935 billion to Rp5,347 billion.
Kinerja Penyaluran Dana Konvensional
Performance of Conventional Loan Disbursement
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Keterangan 2023 2022 2021 Growth (Decrease) Description
(%)
Modal Kerja 5.346.969 4.935.105 6.743.207 8,35 Working Capital
Investasi 3.215.859 4.036.036 3.997.833 (20,32) Investment
Konsumsi 3.183.129 3.288.939 1.910.740 (3,22) Consumption
Jumlah 11.745.957 12.260.080 12.651.780 (4,19) Total
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Kualitas Penyaluran Dana Konvensional
Quality of Conventional Loan Disbursement
dalam % / in %
Uraian 2023 2022 2021 Description
NPL Bruto 0,94 10,27 6,65 NPL Gross
NPL Neto 0,48 3,20 1,71 NPL Net
Rencana Strategis 2024 Strategic Plans in 2024
Strategi Bank Sinarmas dalam meningkatkan pertumbuhan Bank Sinarmas’s strategy to enhance the growth of the credit
segmen usaha penyaluran kredit di tahun 2024 diungkapkan disbursement business segment in 2024 is outlined as follows.
sebagai berikut.
1. Segmen Mikro 1. Micro Segment
a. Memaksimalkan penyaluran kredit KUR sesuai kuota KUR a. Maximizing the disbursement of KUR loans according to
yang telah disetujui dari pihak pemerintah. the approved KUR quota from the government.
b. Memfokuskan produk Simas KUK pada debitur-debitur b. Focusing on Simas KUK products on New to Bank (NTB)
New to Bank (NTB) untuk meningkatkan jumlah portofolio. borrowers to increase the portfolio size.
c. Memaksimalkan kredit program, berupa Top Up (baik c. Maximizing credit programs, such as Top Up (initiated
inisiatif Bank maupun inisiatif debitur), Re-Akusisi untuk by both the Bank and the borrower), Re-Acquisition for
debitur dengan kategori lancar dan sudah lunas di Bank borrowers with good repayment records at Bank Sinarmas
Sinarmas untuk dilakukan penawaran kembali, serta for re-offering, and maximizing the potential of Palm Oil
memaksimalkan potensi KTA Sawit. Unsecured Loans (KTA).
d. Melakukan sales program untuk meningkatkan aktif d. Implementing sales programs to increase micro-seller
seller mikro. activity.
2. Segmen Consumer 2. Consumer Segment
Memperkuat posisi Bank di pasar KPR melalui kerja sama Strengthening the Bank's position in KPR market through
dengan perusahaan pengembang, seperti Sinarmas Land, collaborations with property developers, such as Sinarmas
maupun dengan agen-agen properti. Selain itu, Bank akan Land, as well as with property agents. Additionally, the Bank
tetap berfokus untuk menyalurkan kredit KTA Payroll kepada will continue to focus on disbursing Payroll Unsecured Loans
nasabah payroll dengan suku bunga ringan dan proses yang (KTA) to payroll customers with competitive interest rates and
mudah. easy processes.
3. Segmen Usaha Kecil dan Menengah (SME Loan) 3. Small and Medium Enterprises Segment (SME Loan)
a. Mempertahankan fokus untuk memasarkan produk a. Maintaining focus on marketing SCF credit, Back-to-
kredit SCF, Back to Back, Perluasan Agunan, dan Simas Back, Collateral Expansion, and Simas Cash Fund (SDT)
Dana Tunai (SDT). products.
b. Memaksimalkan line yang sudah ada untuk bisa b. Maximizing existing lines to be fully utilized in optimizing
dipergunakan secara maksimal dalam mengoptimalkan SCF credit products.
produk kredit SCF.
c. Meningkatkan efektivitas kolaborasi antara tim kredit c. Increasing the effectiveness of collaboration between the
di cabang dengan team funding untuk melakukan credit team at branches and the funding team to offer
penawaran produk kredit Back to Back. Back-to-Back credit products.
d. Melakukan penawaran melalui media Whatsapp dan d. Offering through WhatsApp and Email media with a
E-mail dengan Sales Campaign untuk produk Simas Dana Sales Campaign for Simas Cash Fund (SDT) products
Tunai (SDT) ke pada nasabah dana pihak ketiga Bank to third-party fund customers of Bank Sinarmas in
Sinarmas kategori wiraswasta/wirausaha dan nasabah the entrepreneur/business owner category and to
investasi bancassurance dan reksadana yang sudah bancassurance and mutual fund investment customers
bekerja sama dengan Bank Sinarmas untuk ditawarkan who have partnered with Bank Sinarmas to offer
produk kredit Perluasan Agunan. Collateral Expansion credit products.
4. Segmen Korporat 4. Corporate Segment
Penyaluran kredit produktif akan tetap dilakukan secara lebih The disbursement of productive credit will continue to be
selektif dengan mengedepankan prinsip kehati-hatian serta carried out more selectively by prioritizing prudence principles
prospek usaha berkelanjutan dari debitur melalui strategi and the sustainable business outlook of borrowers through
sebagai berikut. the following strategies.
a. Memfokuskan pada perusahaan besar, state-owned a. Focusing on large companies, state-owned enterprises,
enterprise, dan perusahaan yang bergerak di bidang and trading companies with promising business
perdagangan yang memiliki prospek pertumbuhan growth prospects and a good track record, as well as
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usaha dan track record yang baik serta mengembangkan developing the credit portfolio through syndicated loan
portofolio kredit melalui penyaluran kredit sindikasi. disbursements.
b. Menyalurkan kredit kepada debitur dengan b. Channeling credit to borrowers considering fixed asset
mempertimbangkan agunan fixed asset atau tunai (back collateral or cash (back-to-back) or payment sources
to back) atau sumber pembayaran berdasarkan kontrak based on definite contracts with relatively short terms and
yang pasti dan jangka waktu yang relatif singkat serta having good business prospects.
memiliki prospek usaha yang baik.
c. Menjaga kualitas portofolio kredit dengan memaksimalkan c. Maintaining the quality of the credit portfolio by
fungsi early warning dan pemantauan debitur secara maximizing the early warning function and regularly
berkala atas kelangsungan usaha debitur. monitoring borrowers' business continuity.
5. Segmen Komersial 5. Commercial Segment
Penyaluran kredit akan tetap dilakukan secara lebih selektif The disbursement of credit will continue to be carried out
dengan mengedepankan prinsip kehati-hatian melalui more selectively by prioritizing prudence principles through
implementasi strategi sebagai berikut. the implementation of the following strategies.
a. Menyalurkan kredit modal kerja dengan skema Supply a. Channeling working capital credit through the Supply
Chain Financing (SCF). Chain Financing (SCF) scheme.
b. Mengeksplorasi pembiayaan melalui kerja sama dengan b. Exploring financing through partnerships with Financial
perusahaan Financial Technology (P2P Lending). Technology (P2P Lending) companies.
c. Menjaga kualitas portofolio kredit dengan memaksimalkan c. Maintaining the quality of the credit portfolio by
fungsi early warning dan pemantauan debitur secara maximizing the early warning function and regularly
berkala atas kelangsungan usaha debitur. monitoring borrowers' business continuity.
Treasury Treasury
Sebagai bank devisa, fokus utama Bank Sinarmas dalam segmen As a foreign exchange bank, Bank Sinarmas’s primary focus in
usaha treasury adalah pada kegiatan perdagangan valuta asing. the treasury business segment lies in foreign exchange trading
Bank memiliki produk valuta asing unggulan plain vanilla, seperti activities. The Bank offers flagship plain vanilla foreign exchange
today (TOD), tomorrow (TOM), dan SPOT, serta plain vanilla products such as today (TOD), tomorrow (TOM), and SPOT, as well
derivatives, seperti forward dan swap. as plain vanilla derivatives namely forward and swap.
Fokus dan Strategi 2023 Focus and Strategies in 2023
Fokus dan strategi yang dilakukan Bank Sinarmas dalam rangka The focus and strategy undertaken by Bank Sinarmas to enhance
meningkatkan kinerja segmen treasury di tahun 2023 adalah the performance of the treasury segment in 2023 included
pengembangan jumlah nasabah yang bertransaksi valuta asing, expanding the number of customers conducting foreign exchange
serta mengoptimalkan dana yang mengendap di Bank Sinarmas transactions and optimizing funds deposited in Bank Sinarmas by
dengan melakukan penetrasi di pasar uang dan pasar modal. penetrating the money market and capital market.
Kinerja Usaha 2023 Business Performance in 2023
Pada tahun 2023, segmen usaha treasury membukukan fee based In 2023, the treasury business segment recorded fee-based
income sebesar Rp168 miliar, meningkat 69,62% dibandingkan income of Rp168 billion, an increase of 69.62% compared to
tahun 2022 sebesar Rp99 miliar. Peningkatan ini terutama Rp99 billion in 2022. This increase was mainly contributed by a
dikontribusikan oleh kenaikan pada foreign exchange sebesar 36.8% rise in foreign exchange, along with the implementation
36,8%, seiring dengan implementasi kebijakan baru dari pemerintah of new government policies regulating export foreign exchange
yang mengatur tentang hasil devisa ekspor dalam PP No. 36 serta earnings in Government Regulation (PP) No. 36, and increased
meningkatnya volatilitas di pasar valuta asing secara keseluruhan. volatility in the overall foreign exchange market.
Sementara di bagian Fixed Income, Bank mempertahankan Meanwhile, in term of Fixed Income, the Bank maintained its
kepemilikan surat berharga yang dimiliki dengan melakukan re- ownership of securities by reinvesting in maturing securities and
investasi pada surat berharga yang jatuh tempo dan menambah increasing its ownership of mutual funds, resulting in a 196.48%
kepemilikan reksadana sehingga meningkatkan fee based income increase in fee-based income. Additionally, improved market
sebesar 196,48%. Selain itu, kondisi pasar yang membaik berhasil conditions successfully boosted fee-based income contribution for
meningkatkan kontribusi fee based income bagi Bank. the Bank.
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Kinerja Segmen Treasury berdasarkan Produk
Perforane of Treasury Segment by Product
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Keterangan 2023 2022 2021 Growth (Decrease) Description
(%)
Treasury Sales 42.574 31.273 25.842 36,14 Treasury Sales
FX Trading 38.978 38.724 37.524 0,66 FX Trading
Fixed Income 80.043 28.347 177.855 196,48 Fixed Income
Syariah 1.551 198 96 683,33 Sharia
Jumlah 167.146 98.542 241.317 69,62 Total
Rencana Strategis 2024 Strategic Plans in 2024
Strategi Bank Sinarmas dalam meningkatkan segmen usaha Bank Sinarmas’ strategy in increasing the treasury business
treasury di tahun 2024 diungkapkan sebagai berikut. segment in 2024 is expressed as follows.
1. Memperkuat sinergi antar unit bisnis untuk meningkatkan 1. Strengthening synergy among business units to enhance
transaksi valas. foreign exchange transactions.
2. Mempersiapkan e-channel untuk menjangkau transaksi valuta 2. Preparing e-channels to facilitate foreign exchange
asing, baik retail maupun korporasi. transactions, both for retail and corporate clients.
3. Meningkatkan portofolio surat berharga. 3. Increasing the portfolio of securities.
Ekspor-Impor Export-Import
Bank Sinarmas menawarkan berbagai produk pembiayaan Bank Sinarmas offers various export trade financing products,
perdagangan ekspor, seperti Letter of Credit, Surat Kredit such as Letter of Credit, Domestic Letter of Credit (DLC), and
Berdokumen Dalam Negeri (SKBDN), serta Export Bills Collection Export Bills Collection (DP & DA). Additionally, the Bank also
(DP & DA). Selain itu, Bank juga memiliki pembiayaan post export provides post-export financing options such as discounting and
financing seperti diskonto dan negosiasi yang dapat digunakan negotiation, which can be utilized as working capital.
sebagai modal kerja.
Berikut keunggulan produk pembiayaan ekspor yang dimiliki Here are the advantages of the export financing products offered
Bank. by the Bank.
1. Layanan transaksi ekspor dilakukan melalui Society for 1. Export transactions are conducted through the Society for
Worldwide Interbank Financial Telecommunication (SWIFT), Worldwide Interbank Financial Telecommunication (SWIFT),
sehingga proses penerimaan dan penerusan instrumen ensuring that the receipt and forwarding process of L/C and
L/C / SKDBN berlangsung dengan aman dan relatif lebih cepat. DLC instruments proceed safely and relatively quickly.
2. Bank telah memiliki kerja sama yang baik dengan bank 2. The Bank has established good cooperation with reliable
korespondensi terpercaya di kota-kota bisnis di seluruh dunia correspondent banks in business cities worldwide to
untuk memperlancar proses transaksi. streamline the transaction process.
Fokus dan Strategi 2023 Focus and Strategy in 2023
Fokus dan strategi yang dilakukan Bank Sinarmas dalam rangka Focus and strategies implemented by Bank Sinarmas to enhance
meningkatkan kinerja ekspor dan impor pada tahun 2023 export and import performance in 2023 are as follows:
diungkapkan sebagai berikut. 1. The Bank remained selective in providing credit facilities to
1. Bank masih selektif dalam memberikan fasilitas kredit kepada customers. Therefore, export-import activities were more
nasabah. Oleh karena itu, kegiatan ekspor impor lebih focused on collection transactions.
difokuskan pada transaksi collection. 2. The Bank strived to increase interest income from export
2. Bank berupaya meningkatkan pendapatan bunga pada activities by offering discounts and negotiations to customers
kegiatan ekspor dengan memberikan diskonto dan negosiasi at competitive rates.
kepada nasabah dengan rate yang kompetitif.
3. Bank aktif melakukan kunjungan dan kerja sama dengan 3. The Bank actively conducts visits and collaborations with
cabang-cabang untuk meningkatkan customer based dari Bank. branches to expand the customer base of the Bank.
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Kinerja Usaha 2023 Business Performance in 2023
Kinerja usaha ekspor dan impor pada tahun 2023 mengalami The performance of export and import business in 2023
sedikit penurunan, di mana penurunan tersebut terutama experienced a slight decline, mainly due to economic and political
disebabkan oleh situasi ekonomi dan politik, baik di Indonesia dan situations, both in Indonesia and several other countries. The
beberapa negara lainnya. Adapun pendapatan fee based income fee-based income from export transactions in 2023 decreased
dari transaksi ekspor pada tahun 2023 mengalami penurunan by 15% compared to the income in 2022. Meanwhile, interest
sebesar 15% dibandingkan dengan pendapatan di tahun 2022. income increased by 33% compared to 2022. Additionally, in
Sedangkan pendapatan bunga mengalami peningkatan sebesar 2023, the Bank also started to build assets by conducting discount
33% dibandingkan dengan tahun 2022. Selain itu, pada tahun transactions and purchasing export bills of exchange from other
2023, Bank juga mulai build asset dengan melakukan transaksi banks.
diskonto serta pembelian wesel ekspor dari bank lain.
Profitabilitas Profitability
Pada tahun 2023, Bank mencatatkan pendapatan sebesar Rp2,8 In 2023, the Bank recorded revenue of Rp2,8 billion from fee-
miliar dari fee based income dan Rp701,16 juta dari pendapatan based income and Rp701,16 million from interest income.
bunga. Pendapatan fee based mengalami penurunan sebesar Fee-based income decreased by 14.75% compared to 2022.
14,75% dibandingkan dengan tahun 2022. Sementara itu, Meanwhile, interest income increased by 32.78% compared
pendapatan bunga mengalami peningkatan sebesar 32,78% to 2022.
dibandingkan dengan tahun 2022.
Rencana Strategis 2024 Strategic Plans in 2024
Strategi Bank Sinarmas dalam meningkatkan kinerja segmen Bank Sinarmas’s strategy to enhance the performance of the
usaha ekspor dan impor di tahun 2024 diuraikan sebagai berikut. export and import business segment in 2024 is outlined as follows.
1. Untuk meningkatkan kinerja segmen usaha ekspor, Bank akan 1. To improve the performance of export business segment, the
lebih banyak mencari pendapatan bunga melalui pembelian Bank will focus more on generating interest income through
akseptasi (wesel ekspor) dari bank lain. Selain itu, Bank juga the purchase of acceptance (export bill of exchange) from
aktif dalam mencari nasabah baru melalui kerja sama dengan other banks. Additionally, the Bank is actively seeking new
cabang-cabang Bank Sinarmas untuk dapat meningkatkan customers through collaboration with branches of Bank
pendapatan fee based. Sinarmas to increase fee-based income.
2. Sedangkan untuk meningkatkan kinerja segmen usaha impor, 2. Meanwhile, to enhance the performance of import business
Bank masih selektif dalam memberikan fasilitas impor kepada segment, the Bank remains selective in providing import
nasabah. facilities to customers.
3. Menyalurkan fasilitas pembiayaan perdagangan ekspor dan 3. Disbursing export and import trade financing facilities
impor secara lebih selektif dengan mengedepankan prinsip more selectively by prioritizing prudential principles and the
kehati-hatian serta prospek usaha berkelanjutan dari debitur. sustainable business outlook of borrowers.
4. Memfokuskan penyaluran fasilitas pembiayaan pada 4. Focusing the disbursement of financing facilities on large
perusahaan besar yang memiliki track record baik dengan companies with a good track record, considering fixed asset
mempertimbangkan agunan aset tetap atau tunai (back to collateral or cash (back-to-back).
back).
Unit Usaha Syariah Sharia Business Unit
Bank Sinarmas menyediakan pembiayaan dan/atau melakukan Bank Sinarmas provides financing and/or engages in other activities
kegiatan lain berdasarkan prinsip syariah sesuai dengan based on Sharia principles in accordance with the regulations
ketentuan yang ditetapkan dan/atau Otoritas Jasa Keuangan. established by the Financial Services Authority. On 2023, the Bank
Pada tahun 2023, Bank telah memperoleh Persetujuan Ijin Usaha obtained Approval of Business License from the Financial Services
dari Otoritas Jasa Keuangan untuk melakukan Pemisahan Unit Authority to conduct the separation of Sharia Business Unit (UUS)
Usaha Syariah (UUS) dengan mendirikan Bank Umum Syariah by establishing a new Sharia Commercial Bank named PT Bank
baru dengan nama PT Bank Nano Syariah bersama-sama dengan Nano Syariah together with PT Sinar Mas Multiartha Tbk. and PT
PT Sinar Mas Multiartha Tbk dan PT Asuransi Sinar Mas. Asuransi Sinar Mas.
Pada tanggal 1 Januari 2024, Pemisahan Unit Usaha Syariah PT. Bank On January 1, 2024, the Spin-off of Sharia Business Unit of
Sinarmas Tbk. telah efektif dilakukan. Dengan dipisahkannya Unit PT Bank Sinarmas Tbk. has been effectively carried out. With
Usaha Syariah, maka selanjutnya PT. Bank Sinarmas Tbk. tidak lagi the Spin-off of Sharia Business Unit, PT Bank Sinarmas Tbk.
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melakukan kegiatan usaha syariah, dan telah dilakukan perubahan will no longer engage in Sharia business activities, and changes
kegiatan usaha pada Pasal 3 Anggaran Dasar Bank Sinarmas to the business activities have been made to Article 3 of the
sebagaimana tercantum dalam Akta Pernyataan Keputusan Rapat Bank Sinarmas Articles of Association as stated in the Deed of
Perubahan Anggaran Dasar PT. Bank Sinarmas Tbk. No. 3 tanggal Meeting Decision for Amendment to the Articles of Association
2 Januari 2024 yang dibuat di hadapan Aulia Taufani, S.H., Notaris of PT Bank Sinarmas Tbk. No. 3 dated January 2, 2024, which
di Jakarta yang telah memperoleh persetujuan sesuai dengan was made before Aulia Taufani, S.H., a Notary in Jakarta,
Surat Keputusan Menteri Hukum dan Hak Asasi Manusia Republik and has obtained approval in accordance with the Decree of
Indonesia No. AHU-0000118.AH.01.02 Tahun 2024 tanggal Minister of Law and Human Rights of the Republic of Indonesia
2 Januari 2024. No. AHU-0000118.AH.01.02 of 2024 dated January 2, 2024.
Fokus dan Strategi 2023 Focus and Strategies in 2023
Fokus dan strategi yang dilakukan Bank Sinarmas dalam rangka To improve the performance of Sharia Business Unit in 2023, Bank
meningkatkan kinerja Unit Usaha Syariah di tahun 2023, yakni: Sinarmas implemented focus and strategy as follows:
1. Spin off menjadi BUS. 1. Spin-off into Sharia Commercial Bank
2. Pertumbuhan pembiayaan yang terdiversifikasi dengan tetap 2. Diversified financing growth while adhering to prudent
memperhatikan prinsip-prinsip kehati-hatian dan kualitas principles and managing loan quality effectively.
pembiayaan yang terkelola.
3. Penghimpunan dan pihak ketiga dan peningkatan customer 3. Collection and third-party fund and expansion of customer
base. base.
4. Penguatan infrastruktur pendukung, pengembangan produk/ 4. Strengthened supporting infrastructure, product development/
aktivitas dalam rangka spin off menjadi BUS. activities for the spin-off into a Sharia Business Unit.
5. Bekerja sama/partnership dengan ekosistem grup dan 5. Collaboration/partnerships with group ecosystem and sharia
ekosistem syariah untuk mendukung pertumbuhan ecosystem to support financing and funding growth.
pembiayaan dan pertumbuhan dana.
6. Pertumbuhan pembiayaan dan pengelolaan portofolio sesuai 6. Financing growth and portfolio management in line with
dengan BMPD. sharia principles and regulations.
7. Membangun brand image BUS hasil pemisahan di masyarakat. 7. Built the brand image of the Sharia Business Unit resulting
from the separation within the community.
8. Optimalisasi mobile banking dan platform pembiayaan yang 8. Optimization of existing mobile banking and financing
ada. platforms.
9. Membangun super apps yang memberikan layanan terintegrasi 9. Development of super apps providing integrated financing,
pembiayaan, transaksional, dan layanan lainnya. transactional, and other services.
Kinerja Usaha 2023 Business Performance in 2023
Pada tahun 2023, UUS Bank Sinarmas membukukan jumlah aset In 2023, UUS of Bank Sinarmas recorded total assets of Rp7,572
sebesar Rp7.572 miliar, meningkat 1,52% dibandingkan tahun billion, increasing by 1.52% compared to Rp7,459 billion in
2022 sebesar Rp7.459 miliar. Komposisi aset masih didominasi 2022. The asset composition was still predominantly dominated
oleh pos pembiayaan dengan jumlah Rp5.551 miliar atau 73,32% by financing totaling Rp5,551 billion or 73.32% of total assets.
dari jumlah aset. Nominal tersebut meningkat 50,90% jika The nominal increased by 50.90% compared to 2022, amounting
dibandingkan tahun 2022 sebesar Rp3.679 miliar yang terutama to Rp3,679 billion, primarily driven by the increased contributions
dikontribusi meningkatnya sektor pembiayaan Perdagangan Besar from the Wholesale and Retail Trade, Car Repair and Maintenance,
dan Eceran, Reparasi dan Perawatan Mobil, dan Sepeda Motor. and Motorcycle financing sectors. The gross non-performing
Rasio pembiayaan bermasalah atau non-performing finance finance (NPF) ratio stood at 2.75%, up from 0.41% the previous
(NPF) gross sebesar 2,75%, meningkat dari 0,41% pada tahun year. In 2023, the amount of non-performing finance increased by
sebelumnya. Pada tahun 2023, jumlah pembiayaan bermasalah Rp148 billion, with the rise in the gross NPF ratio attributed to the
meningkat sebesar Rp148 miliar, kenaikan pada rasio NPF gross decreased collectability of financing.
disebabkan penurunan kolektibilitas pembiayaan.
Guna memanfaatkan kelebihan dana, UUS Bank Sinarmas To utilize excess funds, UUS of Bank Sinarmas increased its
menambah portofolio surat berharga yang dimiliki. Hal ini securities portfolio. This drove higher profit-sharing rates. In
mendorong tingkat bagi hasil yang lebih tinggi. Sepanjang tahun 2023, the Bank’s held securities portfolio reached Rp177 billion
2023 Bank mencatat portofolio pendapatan bersih dari surat increasing compared to Rp84 billion in 2022.
berharga yang dimiliki sebesar Rp177 miliar, meningkat dari tahun
2022 yang hanya sebesar Rp84 miliar.
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Jumlah dana pihak ketiga (DPK) yang berhasil dihimpun sampak On the other hand, the total third-party funds (DPK) successfully
akhir tahun 2023 mencapai Rp7.305 miliar, meningkat 10,79% collected by the end of 2023 reached Rp7,305 billion, increasing
dibandingkan tahun 2022 sebesar Rp6.594 miliar. Peningkatan by 10.79% compared to Rp6,594 billion in 2022. The largest
terbesar terjadi pada Tabungan Mudharabah yang naik 117,73% increase occurred in Mudharabah Savings, which rose by
atau Rp1.026 miliar sehingga rasio current account savings 117.73% or Rp1,026 billion, resulting in an increase of 40.20%
account (CASA) juga mengalami kenaikan menjadi 40,20% in the current account savings account (CASA) ratio compared to
dibandingkan akhir tahun sebelumnya yang sebesar 31,43%. the previous year-end figure of 31.43%.
Dengan naiknya pembiayaan yang lebih besar dibandingkan dengan With the increase in financing exceeding the growth of deposits,
kenaikan DPK tersebut, maka financing to deposit ratio (FDR) the financing to deposit ratio (FDR) for UUS in December 2023
UUS Desember 2023 menjadi sebesar 75,93% atau meningkat reached 75.93%, an increase compared to the position in
dibandingkan posisi Desember 2022 yang sebesar 55,80%. December 2022 which was 55.80%.
Secara keseluruhan, kinerja UUS sepanjang tahun 2023 dapat Overall, the performance of UUS throughout 2023 can be seen
dilihat dari laba sebelum pajak sebesar Rp175 miliar. Nilai from the profit before tax amounting to Rp175 billion. This figure
ini mengalami penurunan 9,76% dibandingkan tahun 2022 experienced a decrease of 9.76% compared to Rp194 billion in
sebesar Rp194 miliar. Penurunan laba ini terutama disebabkan 2022. The decrease in profit was mainly attributed to the decrease
menurunnya pendapatan bagi hasil dari pembiayaan. Penurunan in profit-sharing income from financing. The decrease in profit
laba sebelum pajak turut mendukung menurunnya ROA menjadi before tax also contributed to the decrease in ROA to 2.48% in
sebesar 2,48% di tahun 2023 dari 2,79% pada tahun 2022. 2023 from 2.79% in 2022.
Kinerja Segmen Unit Usaha Syariah
Performance of Sharia Business Unit Segment
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Keterangan 2023 2022 2021 Growth (Decrease) Description
(%)
Aset 7.572.388 7.459.125 7.382.777 1,52 Assets
Pembiayaan 5.551.704 3.679.152 5.709.491 50,90 Financing
Simpanan dan Dana Savings and Temporary
7.305.405 6.594.020 6.791.300 10,79
Syirkah Temporer Syrirkah Funds
Laba Sebelum Pajak 174.618 193.504 111.459 (9,76) Profit Before Tax
Non-Performing Non-Performing
2,75 0,41 0,20 2,34
Finance (Gross) (%) Finance (Gross) (%)
Kinerja Simpanan Unit Usaha Syariah
Performance of Sharia Business Unit Savings
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
Pihak Berelasi / Related Party
Giro Wadiah 917 0,31 488 0,18 87,91 Wadiah Demand
Deposits
Tabungan Wadiah 571 0,19 208 0,08 174,52 Wadiah Savings
Jumlah 1.488 0,49 696 0,25 113,79 Total
Pihak Ketiga / Third Party
Giro Wadiah 97.022 32,14 22.963 8,29 322,51 Wadiah Demand
Deposits
Tabungan Wadiah 203.344 67,37 253.352 91,46 (19,74) Wadiah Savings
Jumlah 300.366 99,51 276.315 99,75 8,70 Total
Jumlah 301.854 100,00 277.011 100,00 8,97 TOTAL
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Kinerja Simpanan Dana Syirkah Temporer
Performance of Temporary Syirkah Fund Deposits
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
Pihak Berelasi / Related Party
Mudharabah Demand
Giro Mudharabah 243.701 3,48 180.114 2,85 35,30
Deposits
Tabungan Mudharabah 24.961 0,36 288.776 4,57 (91,36) Mudharabah Savings
Deposito Berjangka Mudharabah Time
630.352 9,00 904.839 14,32 (30,34)
Mudharabah Deposits
Jumlah 899.014 12,84 1.373.729 21,75 (34,56) Total
Pihak Ketiga / Third Party
Mudharabah Demand
Giro Mudharabah 469.012 6,70 454.967 7,20 3,09
Deposits
Tabungan Mudharabah 1.897.120 27,09 871.311 13,79 117,73 Mudharabah Savings
Deposito Berjangka Mudharabah Time
3.738.405 53,38 3.617.002 57,26 3,36
Mudharabah Deposits
Jumlah 6.104.537 87,16 4.943.280 78,25 23,49 Total
Jumlah 7.003.551 100,00 6.317.009 100,00 10,87 TOTAL
Kinerja Deposito Berjangka Mudharadah berdasarkan Waktu
Performance of Temporary Syirkah Fund Time Deposits
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
< 1 bulan 2.136 0,05 9.500 0,21 (77,52) Less than 1 month
1 bulan 1.527.403 34,96 3.168.337 70,07 (51,79) 1 month
3 bulan 947.714 21,69 772.944 17,09 22,61 3 months
6 bulan 1.697.093 38,85 450.338 9,96 276,85 6 months
12 bulan 194.411 4,45 120.722 2,67 61,04 12 months
Jumlah 4.368.757 100,00 4.521.841 100,00 (3,39) Total
Piutang/Pembiayaan Syariah
Receivables/Sharia Financing
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
2023 2022 Pertumbuhan
(Penurunan)
Keterangan Komposisi Komposisi Description
Nominal Nominal Growth (Decrease)
Composition Composition (%)
Pihak Berelasi 67 0,00 113 0,00 (40,71) Related Party
Pihak Ketiga 5.167.419 100,00 3.281.420 100,00 57,48 Third Party
Jumlah 5.167.486 100,00 3.281.533 100,00 57,47 Total
Cadangan Kerugian (937.241) (829.630) 12,97 Allowance for
Penurunan Nilai Impairment Losses
Jumlah Bersih 4.230.244 2.451.903 72,53 Net Total
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Penyaluran Piutang/Pembiayaan Syariah berdasarkan Sektor Ekonomi
Disbursement of Receivables/Sharia Financing by Economic Sector
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Growth (Decrease)
Sektor Ekonomi 2023 2022 (%) Description
Rp %
Perdagangan Besar dan Wholesale and retail
Eceran, Reparasi dan trade, repair and
4.574.150 2.658.359 1.915.791 72,07
Perawatan Mobil, dan maintenance of cars and
Sepeda Motor motorcycles
Pertanian, Kehutanan, Agriculture, Forestry, and
242.310 233.653 8.657 3,71
dan Perikanan Fisheries
Aktivitas Kesehatan
Human Health and Social
Manusia dan Aktivitas 149.155 150.000 (845) (0,56)
Activities
Sosial
Real Estate 112.610 123.696 (11.086) (8,96) Real Estate
Bukan Lapangan Usaha Other non-business
25.576 33.402 (7.826) (23,43)
Lainnya activities
Aktivitas Penyewaan
Rental and Leasing
dan Sewa Guna Usaha
activities without option
Tanpa Hak Opsi,
19.605 12.738 6.867 53,91 rights, employment,
Ketenagakerjaan,
travel agency, and other
Agen Perjalanan, dan
supporting activities
Penunjang Usaha Lainnya
Industri Pengolahan 16.217 31.563 (15.346) (48,62) Processing industry
Penyediaan Akomodasi Accommodation and
dan Penyediaan Makan 11.019 5.060 5.959 117,77 food and beverage
Minum services
Konstruksi 5.279 4.675 604 12,92 Construction
Aktivitas Jasa Lainnya 3.376 419 2.957 705,73 Other Service Activities
Pengangkutan dan Transportation and
2.116 15.802 (13.686) (86,61)
Perdagangan Trading
Kesenian, Hiburan, dan Art, Entertainment, and
2.105 394 1.711 434,26
Rekreasi Recreation
Jasa Pendidikan 1.936 5 1.931 38.620,00 Educational Services
Aktivitas Profesional, Professional, Scientific,
769 363 406 111,85
Ilmiah, dan Teknis and Technical Activities
Aktivitas Keuangan dan Financial and Insurance
657 1.813 (1.156) (63,76)
Asuransi Activities
Rumah Tangga 354 583 (229) (39,28) Household
Information and
Informasi dan Komunikasi 179 368 (189) (51,36)
Communication
Pengadaan Listrik, Gas, Procurement of
Uap/air Panas, dan 59 118 (59) (50,00) electricity, gas, steam/hot
Udara Dingin water, and cold air
Pengelolaan Air,
Water management,
Pengelolaan Air Limbah,
wastewater management
Pengelolaan dan Daur 14 33 (19) (57,58)
and recycling, and
Ulang Sampah, dan
remediation activities
Aktivitas Remediasi
Pertambangan dan
- 8.489 (8.489) (100,00) Mining and Quarrying
Penggalian
Jumlah 5.167.486 3.281.533 1.885.953 57,47 Total
Cadangan Kerugian Allowance for
(937.241) (829.630) 107.611 12,97
Penurunan Nilai Impairment Losses
Jumlah Bersih 4.230.245 2.451.903 1,778,342 72,53 Net Total
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Penyaluran Piutang/Pembiayaan Syariah berdasarkan Perjanjian Kontraktual
Disbursement of Receivables/Sharia Finance by Contractual Agreement
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Periode Perjanjian Growth (Decrease)
2023 2022 Description
Kredit
Nominal %
≤ 1 tahun 1.250.000 14.984 1.235.016 8.242,23 Less than 1 year
> 1-2 tahun 2.206.151 1.268.753 937.398 73,88 More than 1-2 years
> 2-5 tahun 904.413 1.149.132 (244.719) (21,30) More than 2-5 years
> 5 tahun 806.922 848.664 (41.742) (4,92) More than 5 years
Jumlah 5.167.486 3.281.533 1.885.953 57,47 Total
Cadangan Kerugian Allowance for
(937.241) (829.630) 107.611 12,97
Penurunan Nilai Impairment Losses
Jumlah Bersih 4.230.245 2.451.903 1.778.342 72,53 Net Total
Kinerja Profitabilitas Profitability Performance
Pada tahun 2023, laba bersih UUS mengalami penurunan 9,76% In 2023, UUS net profit decreased by 9.76% or Rp19 billion
atau Rp19 miliar menjadi Rp175 miliar dari semula Rp194 miliar to Rp175 billion from Rp194 billion in the previous year. This
pada tahun sebelumnya. Kondisi ini sejalan dengan menurunnya condition was in line with the decline in Sharia income and other
pendapatan syariah dan pendapatan lainnya, masing-masing income, amounting to Rp37 billion and Rp87 billion, respectively,
sebesar Rp37 miliar dan Rp87 miliar, sedangkan beban syariah while Sharia expenses increased by Rp61 billion. The decrease in
meningkat Rp61 miliar. Penurunan laba bersih ini berdampak net profit resulted in a decrease in ROA to 2.48% compared to
pada penurunan ROA menjadi 2,48% dibandingkan tahun 2022 2,79% in 2022.
sebesar 2,79%.
Profitabilitas per Segmen Usaha Profitability by Business Segment
Informasi terkait dengan profitabilitas Bank disajikan berdasarkan Information regarding the Bank’s profitability is presented by
jenis kegiatan usaha: pemasaran dan kredit, treasury, dan business segments: marketing and lending, treasury, and export-
ekspor-impor. import.
Pada tahun 2023, pendapatan bersih berdasarkan segmen usaha In 2023, the net income by the Bank’s business segments reached
Bank mencapai Rp1.989 miliar, menurun 10,53% dibandingkan Rp1,989 billion, a decrease of 10.53% compared to 2022 which
tahun 2022 yang sebesar Rp2.223 miliar. Penurunan ini, terutama amounted to Rp2,223 billion. This decline is primarily due to the
disebabkan menurunnya pendapatan bersih segmen pemasaran decrease in net revenue from marketing and credit or financing
dan kredit ataupun pembiayaan dari Rp562 miliar menjadi Rp299 segments, from Rp562 billion to Rp299 billion for conventional
miliar untuk konvensional sedangkan untuk UUS turun dari Rp221 banking, while for UUS, it decreased from Rp221 billion to Rp212
miliar menjadi Rp212 miliar. billion.
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dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
2023 2022
Jumlah Jumlah Pendapatan Jumlah Jumlah Pendapatan
Uraian Pendapatan Beban Segmen - Pendapatan Beban Segmen - Description
Total Total Bersih Total Total Bersih
Revenue Expenses Segment Revenue Expenses Segment
Revenue-Net Revenue-Net
Bank Umum Commercial Bank
Pemasaran dan Marketing and
1.531.042 1.231.755 299.287 1.499.913 937.781 562.132
Kredit Credit
Treasuri 1.578.491 280.150 1.298.341 1.370.597 19.526 1.351.071 Treasury
Ekspor-Impor 3.503 1.738 1.765 6.073 1.794 4.279 Export-Import
Unit Usaha Syariah Sharia Business Unit
Pemasaran dan Marketing and
596.689 384.671 212.018 785.391 564.260 221.131
Kredit Credit
Treasuri 178.953 1.827 177.126 85.857 1.938 83.919 Treasury
Jumlah 3.888.678 1.900.141 1.988.537 3.747.831 1.525.299 2.222.532 Total
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Tinjauan Kinerja Keuangan
Financial Overview
Pembahasan tentang kinerja keuangan komprehensif berikut The discussion on comprehensive financial performance below is
disusun berdasarkan informasi dari Laporan Keuangan PT. Bank based on information from the Financial Statements of PT Bank
Sinarmas Tbk. yang berakhir pada tanggal 31 Desember 2023 Sinarmas Tbk. for the year ended December 31, 2023, which has
dan telah diaudit oleh Kantor Akuntan Publik Miranti Sensi Idris been audited by the Public Accountant Office of Miranti Sensi
dengan opini audit Wajar Tanpa Modifikasian, dalam semua Idris with a fair without modification audit opinion, in all material
hal yang material, posisi keuangan Bank tanggal 31 Desember respects, the Bank’s financial position as of December 31, 2023, as
2023, serta kinerja keuangan dan arus kasnya untuk tahun yang well as its financial performance and cash flows for the year ended
berakhir pada tanggal tersebut, sesuai dengan Standar Akuntansi on that date, in accordance with Indonesian Financial Accounting
Keuangan di Indonesia. Standards.
Laporan Posisi Keuangan Statement of Financial Position
Aset Asset
Bank Sinarmas menutup tahun 2023 dengan jumlah aset sebesar Bank Sinarmas closed the year 2023 with total assets amounting to
Rp52.635 miliar, mengalami peningkatan 11,16% dari tahun Rp52,635 billion, experiencing an increase of 11.16% from 2022
2022 yang sebesar Rp47.351 miliar. Sebesar 81% dari jumlah aset which amounted to Rp47,351 billion. 81% of the total assets are
merupakan aset produktif yang tercatat bertumbuh 9,42% atau productive assets, recording a growth of 9.42% or equivalent
setara dengan Rp3.675 miliar. Faktor pendorong pertumbuhan aset to Rp3,675 billion. Another driving factor for asset growth is
lainnya adalah giro pada Bank Indonesia yang meningkat sebesar the demand deposits with Bank Indonesia, which increased by
45,74% atau bertambah Rp1.890 miliar. Meningkatnya penyaluran 45.74% or an additional Rp1,890 billion. The increase in asset
pada pos-pos aset seiring dengan meningkatnya ketersediaan dana allocation is in line with the growing availability of funds sourced
yang bersumber dari pertumbuhan portofolio dana pihak ketiga from the growth of third-party funds (DPK) portfolios managed by
(DPK) yang dikelola oleh Bank serta transaksi repo. the Bank and repo transactions.
Perkembangan Kinerja Aset
Asset Development
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Cash and Cash
Kas dan Setara Kas 388.102 386.167 1.935 0,50
Equivalents
Demand Deposits with
Giro pada Bank Indonesia 6.022.812 4.132.468 1.890.344 45,74
Bank Indonesia
Giro pada Bank Lain – Demand Deposits with
2.655.935 1.719.763 936.172 54,44
Bersih Other Banks – Net
Penempatan pada Bank Placement with Bank
Indonesia dan Bank Lain 6.263.377 4.802.861 1.460.516 30,41 Indonesia and
– Bersih Other Banks – Net
Efek-efek – Bersih 18.131.802 18.646.763 (514.961) (2,76) Securities – Net
Kredit yang Diberikan
Loan and Receivables/
dan Piutang/Pembiayaan 15.185.200 13.379.839 1.805.361 13,49
Sharia Financing – Net
Syariah – Bersih
Tagihan Akseptasi – Acceptances
78.304 77.389 915 1,18
Bersih Receivables – Net
Pendapatan yang Masih
326.751 304.040 22.711 7,47 Accrued Income
Akan Diterima
Biaya Dibayar Dimuka 921.948 1.279.454 (357.506) (27,94) Prepaid Expenses
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Property and
Aset Tetap – Bersih 1.606.075 1.508.203 97.872 6,49
Equipments – Net
Aset Ijarah – Bersih 384.218 397.619 (13.401) (3,37) Ijarah Assets – Net
Aset Pajak Tangguhan
214.568 196.886 17.682 8,98 Deferred Tax Assets – Net
– Bersih
Aset Lain-lain – Bersih 455.904 519.149 (63.245) (12,18) Other Assets – Net
Jumlah 52.634.996 47.350.601 5.284.395 11,16 Total
Aset Produktif Earning Assets
Dana masyarakat yang diterima oleh Bank disalurkan kembali As the national economy recovers, credit disbursement started
dalam bentuk kredit dan pembiayaan serta didiversifikasi ke aset to rebound in 2023, with outstanding credit by the end of 2023
produktif lainnya. Pemilihan aset produktif disesuaikan dengan starting to grow. The increased funds received by the Bank are
tingkat risiko dan yield yang dapat diterima oleh Bank. Pada tahun channeled back into credits and financing, as well as diversified
2023, aset produktif Bank mencapai Rp42.699 miliar, meningkat into other productive assets. The selection of productive assets is
9,42% dari akhir tahun 2022. Kredit mencatat pertumbuhan adjusted based on the risk level and yield acceptable to the Bank.
tertinggi di antara aset-aset produktif, yaitu meningkat sebesar In 2023, the Bank’s productive assets reached Rp42,699 billion,
Rp1.805 miliar, diikuti oleh penempatan pada Bank Indonesia dan an increase of 9.42% from the end of 2022. Credit recorded the
bank lain yang meningkat sebesar Rp1.461 miliar. highest growth among productive assets, increasing by Rp1,805
billion, followed by placements with Bank Indonesia and other
banks, which increased by Rp1,461 billion.
Rincian Aset Produktif
Breakdown of Earning Assets
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Giro pada Bank Lain – Demand Deposits with
2.655.935 1.719.763 936.172 54,44
Bersih other Banks – Net
Penempatan pada Bank Placement with Bank
Indonesia dan Bank Lain 6.263.377 4.802.861 1.460.516 30,41 Indonesia and other
– Bersih Banks – Net
Efek-Efek – Bersih 18.131.802 18.646.763 (514.961) (2,76) Securities – Net
Kredit yang Diberikan
Loan and Receivables/
dan Piutang/Pembiayaan 15.185.200 13.379.839 1.805.361 13,49
Sharia Financing – Net
Syariah – Bersih
Tagihan Akseptasi – Acceptance
78.304 77.389 915 1,18
Bersih Receivables – Net
Aset Ijarah – Bersih 384.218 397.619 (13.401) (3,37) Ijarah Assets – Net
Jumlah 42.698.836 39.024.234 3.674.602 9,42 Total
Kas dan Setara Kas Cash and Cash Equivalent
Bank memiliki kas dan setara kas yang terbagi menjadi beberapa The Bank has cash and cash equivalents divided into several
komponen, antara lain kas utama, kas anjungan tunai mandiri components, including main cash, cash advances (ATM) cash, and
(ATM), dan kas kecil yang selalu diupayakan berada pada level petty cash, which are always maintained at an optimal level to
optimal guna mendukung aktivitas investasi maupun operasional support the Bank’s investment and operational activities. The Bank
bisnis Bank. Bank mencatat posisi kas dan setara kas akhir tahun recorded a year-end cash and cash equivalents position of Rp388
2023 sebesar Rp388 miliar, mengalami peningkatan 0,50% billion in 2023, experiencing a 0.50% increase compared to the
dibandingkan tahun sebelumnya yang sebesar Rp386 miliar. Bank previous year’s Rp386 billion. The Bank always ensures that the
selalu menjaga agar posisi kas dan setara kas mampu memenuhi cash and cash equivalents position is able to meet liquidity needs
kebutuhan likuiditas pada kantor-kantor dan ATM. at branches and ATMs.
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Giro pada Bank Indonesia Demand Deposits with Bank Indonesia
Jumlah giro pada Bank Indonesia di penutupan tahun 2023 The total demand deposit at Bank Indonesia at the end of 2023
mencapai Rp6.023 miliar, meningkat 45,74% dari tahun 2022 reached Rp6,023 billion, an increase of 45.74% from 2022’s
yang sebesar Rp4.132 miliar. Rasio Giro Wajib Minimum (GWM) Rp4,132 billion. The Bank’s Primary Statutory Reserves (GWM)
primer Bank untuk mata uang Rupiah sebesar 15,22% per 31 ratio for the Rupiah currency was 15.22% as of 31 December
Desember 2023 dan 10,01% per 31 Desember 2022, sedangkan 2023, and 10.01% as of 31 December 2022, while for foreign
untuk valuta asing masing-masing sebesar 4,09% dan 3,95%. currencies, it was 4.09% and 3.95%, respectively. The Bank’s
GWM Bank tersebut telah sesuai dengan Peraturan Anggota GWM complied with Bank Indonesia Regulation No. 12 of 2023
Dewan Gubernur No. 12 Tahun 2023 tentang Perubahan Kedua regarding the Second Amendment to Bank Indonesia Regulation
atas Peraturan Anggota Dewan Gubernur No. 24/8/PADG/2022 No. 24/8/PADG/2022 concerning the Implementation Regulation
tentang Peraturan Pelaksanaan Pemenuhan Giro Wajib Minimum for Fulfilling the Minimum Statutory Reserves in Rupiah and
dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional, Foreign Currencies for Conventional Commercial Banks, Sharia
Bank Umum Syariah, dan Unit Usaha Syariah. Commercial Banks, and Sharia Business Units.
Giro pada Bank Indonesia berdasarkan Mata Uang
Demand Deposits with Bank Indonesia by Currency
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Rupiah 5.602.464 3.930.989 1.671.475 42,52 Rupiah
Mata Uang Asing 420.348 201.479 218.869 108,63 Other Currency
Jumlah 6.022.812 4.132.468 1.890.344 45,74 Total
Giro pada Bank Lain Bersih Demand Deposits with other Bank –Net
Bank menempatkan giro pada bank lain bersih sebesar Rp2.656 The Bank placed net demand deposits with other banks
miliar pada akhir tahun 2023, meningkat 54,44% dari tahun 2022 amounting to Rp2,656 billion at the end of 2023, increased
yang sebesar Rp1.720 miliar. Peningkatan tersebut dipengaruhi by 54.44% from 2022’s Rp1,720 billion. This condition was
oleh peningkatan giro pada bank lain dalam mata uang asing influenced by the increase in demand deposits in other banks in
sebesar Rp2.552 miliar atau meningkat 71,92% dibandingkan foreign currencies amounting to Rp2,552 billion, or an increase
posisi tahun 2022 yang sebesar Rp1.484 miliar. of 71.92% compared to the 2022 position of Rp1,484 billion.
Giro pada Bank Lain berdasarkan Mata Uang
Demand Deposits with Other Banks by Currency
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Rupiah 104.825 236.043 (131.218) (55,59) Rupiah
Mata Uang Asing 2.552.042 1.484.444 1.067.598 71,92 Other Currency
Jumlah 2.656.867 1.720.487 936.380 54,43 Total
Cadangan Kerugian Allowance for
(932) (724) 208 28,73
Penurunan Nilai Impairment Losses
Jumlah Bersih 2.655.935 1.719.763 936.172 54,44 Net Total
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Penempatan pada Bank Lain dan Bank Indonesia – Placements with Other Banks and Bank Indonesia –
Bersih Net
Bank melakukan penempatan dana pada bank lain dan Bank Bank Sinarmas placed funds in other banks and Bank Indonesia
Indonesia senilai Rp6.263 miliar di tahun 2023, mengalami totaling Rp6,263 billion in 2023, experiencing a 30.41% increase
peningkatan sebesar 30,41% dibandingkan tahun 2022 yang compared to Rp4,803 billion in 2022. The largest increase came
sebesar Rp4.803 miliar. Peningkatan terbesar dari term deposit from term deposits in foreign currencies, which rose by 133.26%.
dalam mata uang asing yang meningkat sebesar 133,26%. Hal This represents the Bank’s strategy in allocating excess funds to
ini merupakan upaya Bank dalam mengalokasikan kelebihan dana earning assets with higher yields.
kepada aset produktif yang memiliki imbal hasil yang lebih tinggi.
Rincian Penempatan pada Bank Lain dan Bank Indonesia
Breakdown of Placement with Other Banks and Bank Indonesia
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Rupiah Rupiah
Deposit Facility 1.650.000 2.150.000 (500.000) (23,26) Deposit Facility
Call Money - 495.000 (495.000) (100,00) Call money
Sertifikat Investasi Interbank Mudharabah
- 95.000 (95.000) (100,00)
Mudharabah Antarbank Investment Certificate
Jumlah 1.650.000 2.740.000 (1.090.000) (39,78) Total
Mata Uang Asing Other Currency
Term Deposit 4.467.117 1.915.083 2.552.034 133,26 Term Deposit
Call Money 146.272 147.891 (1.619) (1,09) Call Money
Jumlah 4.613.389 2.062.974 2.550.415 123,63 Total
JUMLAH 6.263.389 4.802.974 1.460.415 30,41 TOTAL
Cadangan Kerugian Allowance for
(12) (113) (101) (89,38)
Penurunan Nilai Impairment Losses
Jumlah Bersih 6.263.377 4.802.861 1.460.516 30,41 Net Total
Efek-Efek Bersih Securities – Net
Efek-efek merupakan salah satu alternatif penempatan dana yang Securities are one of the alternative fund placements made by the
dilakukan Bank selain pada pos pinjaman yang diberikan. Per bank in addition to loans provided. As of 31 December 2023, the
31 Desember 2023, jumlah efek-efek yang dimiliki Bank adalah total securities owned by the bank amounted to Rp18,132 billion,
Rp18.132 miliar, mengalami penurunan 2,76% dibandingkan experiencing a decrease of 2.76% compared to the previous
pencapaian tahun sebelumnya, yaitu sebesar Rp18.647 miliar. Hal year’s achievement of Rp18,647 billion. This is because there
ini dikarenakan pada akhir tahun 2023 terdapat efek-efek yang were securities that matured at the end of 2023 and were not
jatuh tempo dan tidak di reinvestasi. reinvested.
Rincian Efek-Efek
Details of Securities
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Rupiah 17.321.761 18.101.778 (780.017) (4,31) Rupiah
Mata Uang Asing 810.310 545.483 264.827 48,55 Other Currency
Jumlah 18.132.071 18.647.261 (515.190) (2,76) Total
Cadangan Kerugian Allowance for
(269) (498) (229) (45,98)
Penurunan Nilai Impairment Losses
Jumlah Bersih 18.131.802 18.646.763 (514.961) (2,76) Net Total
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Biaya Dibayar Dimuka Prepaid Expenses
Biaya dibayar dimuka yang dimiliki Bank tahun 2023 sebesar In 2023, the Bank had prepaid expenses amounting to Rp922
Rp922 miliar, mengalami penurunan 27,94% dibandingkan tahun billion, experiencing a decrease of 27.94% compared to 2022
2022 yang sebesar Rp1.279 miliar. Penurunan ini dikontribusi which amounted to Rp1,279 billion. This decline was mainly
terbesar oleh menurunnya premi asuransi sebesar 34,53% atau contributed by the decrease in insurance premiums by 34.53%
Rp364 miliar. or Rp364 billion.
Rincian Biaya Dibayar Dimuka
Details of Prepaid Expenses
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Asuransi 689.983 1.053.846 (363.863) (34,53) Insurance
Pemeliharaan Perangkat Software and Hardware
102.252 88.606 13.646 15,40
Lunak dan Keras Maintenance
Promosi dan Promotion and Business
54.443 48.299 6.144 12,72
Pengembangan Usaha Development
Sewa 19.912 39.942 (20.030) (50,15) Rent
New Branches
Renovasi Cabang Baru 16.282 18.780 (2.498) (13,30)
Renovation Cost
Program Kepemilikan
2.402 14.124 (11.722) (82,99) Car Ownership Program
Kendaraan Karyawan
Lain-lain 36.674 15.857 20.817 131,28 Other
Jumlah 921.948 1.279.454 (357.506) (27,94) Total
Aset Tetap Fixed Assets
Jumlah aset tetap Bank tahun 2023 mengalami peningkatan, dari The total fixed assets of the bank in 2023 increased from Rp1,508
Rp1.508 miliar menjadi Rp1.606 miliar atau setara dengan 6,49%. billion to Rp1,606 billion, equivalent to 6.49%. The increase in
Peningkatan aset tetap dikarenakan adanya surplus revaluasi fixed assets is driven by the surplus from the revaluation of land and
tanah dan bangunan serta penambahan pada inventaris kantor, buildings as well as additions to office inventory, motor vehicles,
kendaraan bermotor, aset hak guna bangunan, dan kendaraan building use rights assets, and vehicles, with an increased total of
dengan jumlah peningkatan sebesar Rp300 miliar. Di sisi lain, Rp300 billion. On the other hand, accumulated depreciation also
akumulasi penyusutan juga meningkat sebesar Rp202 miliar. increases by Rp202 billion.
Aset Lain-lain Bersih Other Assets –Net
Bank mencatat jumlah aset lain-lain bersih pada tahun 2023 The Bank recorded a total of other net assets of Rp456 billion in
sebesar Rp456 miliar, menurun 12,18% dibandingkan tahun 2023, a decrease of 12.18% compared to 2022 which was Rp519
2022 yang sebesar Rp519 miliar. Penurunan tersebut dikontribusi billion. This decrease was contributed by the decrease in collateral
dari menurunnya agunan yang diambil alih sebesar 66,96% atau taken over by 66.96% or Rp255 billion.
sebesar Rp255 miliar.
Liabilitas Liabilities
Liabilitas Bank meningkat seiring dengan pertumbuhan pada The Bank’s liabilities increased along with the growth in customer
dana simpanan nasabah sebesar 8,47% atau bertambah Rp2.746 deposit funds by 8.47% or an additional Rp2,746 billion, and there
miliar serta terdapat tambahan dana sebesar Rp1.052 miliar dari was an additional fund of Rp1,052 billion from repo transactions
transaksi efek-efek yang dijual dengan janji beli kembali – pihak transactions of securities sold under agreements to repurchase
ketiga. Pada akhir tahun 2023, Bank mencatat posisi liabilitas –third parties. At the end of 2023, the bank recorded liabilities
pada angka Rp37.789 miliar, meningkat 12,64% dibandingkan totaling Rp37,789 billion, an increase of 12.64% compared to
tahun 2022 yang sebesar Rp33.547 miliar. 2022 which was Rp33,547 billion.
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Rincian Liabilitas
Breakdowns of Liability
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Liabilities Immediately
Liabilitas Segera 165.101 129.064 36.037 27,92
Payable
Simpanan 35.142.585 32.397.026 2.745.559 8,47 Deposits
Deposits from Other
Simpanan dari Bank Lain 327.445 14.149 313.296 2.214,26
Banks
Efek yang Dijual dengan Securities Sold
Janji Dibeli Kembali – 1.051.717 - 1.051.717 100,00 Under Repurchase
Pihak Ketiga Agreements -Third Party
Utang Pajak 52.572 158.846 (106.274) (66,90) Taxes Payable
Liabilitas Akseptasi 79.880 78.065 1.815 2,32 Acceptances Payable
Beban yang Masih Harus
43.816 29.078 14.738 50,68 Accrued Expenses
Dibayar
Liabilitas Imbalan Kerja Long Term Employee
35.426 36.141 (715) (1,98)
Jangka Panjang Benefit Liabilities
Obligasi Subordinasi – Subordinated Bonds
496.512 495.521 991 0,20
Bersih – Net
Liabilitas Lain-lain 393.854 209.291 184.563 88,18 Other Liabilities
Jumlah 37.788.908 33.547.181 4.241.727 12,64 Total
Liabilitas Segera Liabilities Immediately Payable
Bank mencatat kenaikan pada pos liabilitas segera, dari Rp129 The Bank recorded an increase in the position of liabilities
miliar menjadi Rp165 miliar di akhir tahun 2023. Kontribusi immediately payable, from Rp129 billion to Rp165 billion at
utama atas kenaikan liabilitas segera berasal dari kenaikan beban the end of 2023. The increase in current liabilities mainly came
akrual dan liabilitas sehubungan dengan meningkatnya transaksi from the increase in accrual expenses and liabilities related to the
pengguna jaringan ATM. growing transactions using shared ATM networks.
Rincian Liabilitas Segera
Breakdowns of Liabilities Immediately Payable
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Liabilitas sehubungan Payables related to ATM
61.935 50.598 11.337 22,41
dengan Jaringan ATM Network
Beban Akrual 60.018 33.369 26.649 79,86 Accrued Expenses
Transfer Checks for
Kiriman Uang 19.669 16.217 3.452 21,29
Collection and Clearing
Liabilitas Pembayaran
8.644 4.557 4.087 89,69 Online Payment Payable
Online
Liabilitas Administrasi Loan Administration
6.062 7.752 (1.690) (21,80)
Kredit Payable
Program Loyalitas Customer Loyalty
2.981 3.004 (23) (0,77)
Pelanggan Program
Production Service
Liabilitas Jasa Produksi - 8.000 (8.000) (100,00)
Payable
Lain-lain 5.792 5.567 225 4,04 Others
Jumlah 165.101 129.064 36.037 27,92 Total
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Simpanan Deposits
Jumlah simpanan masyarakat yang dikelola oleh Bank hingga akhir At the end of 2023, the Bank recorded total deposits under
tahun 2023 mencapai Rp35.143 miliar, mengalami peningkatan management of Rp35,143 billion, experiencing an increase of
8,47% dibandingkan Rp32.397 miliar pada akhir tahun 2022. 8.47% compared to Rp32,397 billion at the end of 2022. The
Peningkatan terbesar berasal dari giro yang meningkat 8,40% largest increase came from current accounts, which increased by
atau Rp1.138 miliar. Pos simpanan masyarakat lainnya, yaitu 8.40% or Rp1,138 billion. Other savings components, namely
tabungan dan deposito berjangka juga mengalami peningkatan, savings accounts and time deposits, also experienced increases,
masing-masing sebesar Rp740 miliar dan Rp868 miliar. Rasio amounting to Rp740 billion and Rp868 billion, respectively. The
CASA Bank tetap terjaga di kisaran 72%. Bank’s CASA ratio remained at around 72%.
Simpanan Masyarakat berdasarkan Jenis
Public Deposits by Type
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Giro 14.682.168 13.543.814 1.138.354 8,40 Demand Deposits
Tabungan 10.768.878 10.029.216 739.662 7,38 Savings
Deposito Berjangka 9.691.539 8.823.996 867.543 9,83 Time Deposits
Jumlah 35.142.585 32.397.026 2.745.559 8,47 Total
Jumlah CASA (%) 72,42 72,76 (0,34) CASA Total (%)
Simpanan dari Bank Lain Deposit from Other Banks
Simpanan dari bank lain pada akhir 2023 sebesar Rp327 miliar, The deposits from other banks at the end of 2023 amounted to
mengalami peningkatan Rp313 miliar apabila dibandingkan Rp327 billion, showing an increase of Rp313 billion compared to
dengan akhir tahun 2022. Kontribusi utama kenaikan simpanan the end of 2022. The main contribution to the increase in deposits
dari bank lain berasal dari penempatan call money, hal ini from other banks comes from call money placements, as the Bank
dikarenakan Bank melakukan limit testing untuk mengetahui conducts limit testing to determine the nominal funding access
nominal akses pendanaan yang dapat diperoleh Bank. available to the Bank.
Simpanan dari Bank Lain Berdasarkan Jenis
Deposits from Other Banks by Type
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Giro 41.271 14.149 27.122 191,69 Demand Deposits
Deposito Berjangka 11.174 - 11.174 100,00 Time Deposits
Call Money 275.000 - 275.000 100,00 Call Money
Jumlah 327.445 14.149 313.296 2.214,26 Total
Efek-Efek yang Dijual dengan Janji Beli Kembali – Securities Sold Under Repurchase Agreement-
Pihak Ketiga Third Party
Pada akhir tahun 2023, Bank melakukan transaksi efek-efek transactions of securities sold under agreements to repurchase
yang dijual dengan janji beli kembali – pihak ketiga dengan bank –third parties.with other banks totaling Rp1,052 billion. These
lain senilai Rp1.052 miliar. Tujuan dari transaksi ini adalah untuk transactions aimed at maintaining liquidity approaching year end
menjaga likuiditas menjelang akhir dan pergantian tahun. and new year.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Efek yang Dijual dengan Securities Sold Under
Janji Beli Kembali – 1.051.717 - 1.051.717 100,00 Repurchase Agreement-
Pihak Ketiga Third Party
Utang Pajak Taxes Payable
Bank mencatat jumlah utang pajak sebesar Rp53 miliar pada The Bank recorded a total of taxes payable of Rp53 billion on
31 Desember 2023, lebih rendah 66,90% dibandingkan tahun 31 December 2023, which was 66.90% lower than in 2022,
2022 sebesar Rp159 miliar. Kontribusi penurunan utang pajak amounting to Rp159 billion. The contribution to the decrease in
dikarenakan penyesuaian atas beban pajak tahun 2022. taxes payable is due to the adjustment of the tax expense in 2022.
Rincian Utang Pajak
Breakdowns of Taxes Payable
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Pajak Kini 22.677 129.764 (107.087) (82,52) Current Tax
Pajak Penghasilan Income Tax
Pasal 4 14.446 12.873 1.573 12,22 Article 4
Pasal 21 5.813 5.142 671 13,05 Article 21
Pasal 23 dan 26 2.244 1.606 638 39,73 Article 23 and 26
Pasal 25 - 3.743 (3.743) (100,00) Article 25
Pajak Pertambahan Nilai 7.392 5.718 1.674 29,28 Value Added Tax
Jumlah 52.572 158.846 (106.274) (66,90) Total
Liabilitas Akseptasi Acceptances Payable
Bank mencatat liabilitas akseptasi sebesar Rp80 miliar di tahun The Bank recorded acceptance payable of Rp80 billion in 2023,
2023, mengalami peningkatan 2,32% dibandingkan tahun 2022 experiencing an increase of 2.32% compared to Rp78 billion in
yang sebesar Rp78 miliar. Peningkatan terjadi pada liabilitas 2022. The increase occurred in acceptance liabilities in both rupiah
akseptasi dalam mata uang rupiah dan asing yang masing-masing and foreign currencies, which increased by 3.74% and 1.50%,
meningkat sebesar 3,74% dan 1,50%. respectively.
Liabilitas Akseptasi berdasarkan Mata Uang
Acceptances Payable by Currency
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Rupiah 29.798 28.723 1.075 3,74 Rupiah
Mata Uang Asing 50.082 49.342 740 1,50 Other Currency
Jumlah 79.880 78.065 1.815 2,32 Total
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Liabilitas Imbalan Kerja Jangka Panjang Long Term Employee Benefit Liabilities
Bank mencatat liabilitas imbalan kerja jangka panjang di akhir The Bank recorded the long-term employee benefit liabilities of
tahun 2023 sebesar Rp35 miliar, mengalami penurunan 1,98% Rp35 billion at the end of 2023, experiencing a decrease of 1.98%
dibandingkan tahun 2022 yang sebesar Rp36 miliar. Penurunan compared to Rp36 billion in 2022. The decrease comes from the
dikarenakan pada tahun 2023 Bank melakukan penyetoran dana Bank’s deposit of Rp20 billion into the financial institution pension
pensiun lembaga keuangan (DPLK) sebesar Rp20 miliar. fund (DPLK) in 2023.
Rincian Liabilitas Imbalan Kerja Jangka Panjang
Breakdowns of Long-Term Employee Benefit Liabilities
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Liabilitas Imbalan Kerja Long-Term Employee
Jangka Panjang Awal 36.141 27.840 8.301 29,82 Benefits Liability at the
Tahun Beginning of the Year
Beban (Pendapatan) Long-Term Employee
Imbalan Jangka Panjang 16.301 (183) 16.484 (9.007,65) Benefits Liability Expense
Tahun Berjalan (Income) during the Year
Kerugian Komprehensif Other Comprehensive
2.984 8.484 (5.500) (64,83)
Lain Losses
Iuran Perusahaan (20.000) - (20.000) (100,00) Company Contribution
Long-Term Employee
Liabilitas Imbalan Kerja
Benefits Liability
Jangka Panjang Akhir 35.426 36.141 (715) (1,98)
Reserve at the of the
Tahun
Year
Obligasi Subordinasi Subordinated Bonds
Pada tanggal 29 Juni 2022, Perusahaan menerbitkan Obligasi On June 29, 2022, the Company issued a Subordinated
Subordinasi Berkelanjutan sebesar Rp500 miliar, Obligasi Sustainable Bond amounting to Rp500 billion. This Subordinated
Subordinasi ini berjangka waktu 5 tahun yang akan jatuh tempo Bond has a maturity period of 5 years, which will mature on July
pada tanggal 8 Juli 2027. Pada akhir tahun 2023, nilai obligasi 8, 2027. At the end of 2023, the net value of the subordinated
subordinasi bersih adalah sebesar Rp497 miliar. Dana yang bonds is Rp497 billion. The proceeds, net of issuance costs, were
diperoleh setelah dikurangi dengan biaya-biaya emisi seluruhnya fully utilized to strengthen capital in order to support lending
dipergunakan untuk memperkuat permodalan dalam rangka plans with longer tenors.
mendukung rencana penyaluran kredit dengan tenor yang lebih
panjang.
Rincian Obligasi Subordinasi - Bersih
Breakdowns of the Subordinated Bonds – Net
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Obligasi Subordinasi Bank Subordinated Bonds of
Sinarmas Tahap I Tahun 500.000 500.000 - 0,00 Bank Sinarmas Phase I
2022 of 2022
Diskonto yang Belum
(3.488) (4.479) (991) (22,13) Unamortized Discount
Diamortisasi
Jumlah Bersih 496.512 495.521 991 0,20 Net Total
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Liabilitas Lain-lain Other Liabilities
Pada akhir tahun 2023, jumlah liabilitas lain-lain mencapai At the end of 2023, the total of other liabilities reached Rp394
Rp394 miliar, peningkatan sebesar 88,18% dibandingkan tahun billion, experiencing an increase of 88.18% compared to 2022,
2022 yang sebesar Rp209 miliar. Kontribusi utama peningkatan which was Rp209 billion. The main contribution to other liability
liabilitas lain-lain berasal dari meningkatnya pos setoran jaminan increase due to the rising amount of security deposit for the
dalam rangka pembukaan fasilitas forex line oleh Bank. opening of forex line facilities by the Bank.
Rincian Liabilitas Lain-lain
Breakdowns of Other Liabilities
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Setoran Jaminan 157.425 18.279 139.146 761,23 Margin Deposits
Liabilitas Sewa 133.368 113.628 19.740 17,37 Lease Liabilities
Pendapatan yang
25.826 8.869 16.957 191,19 Deferred Income
Ditangguhkan
Liabilitas terkait Asuransi Liabilities Related to
23.005 22.712 293 1,29
Kredit Insurance Credit
Penampungan Cadangan
11.851 14.938 (3.087) (20,67) Escrow for Spin-off Cost
Biaya Spin-off
Estimasi Kerugian Estimated Losses on
Komitmen dan 7.640 12.621 (4.981) (39,47) Commitment and
Kontinjensi Contingencies
Liabilitas sehubungan Liabilities in Connection
4.028 4.153 (125) (3,01)
dengan Pinjaman with Loans
Titipan Setoran Pajak ke Deposit Tax Payment to
3.871 1.348 2.523 187,17
KPPN KPPN
Liabilitas Derivatif 3.235 639 2.596 406,26 Derivatives Liabilities
Setoran Penyelesaian Deposit for Write-Off
731 423 308 72,81
Hapus Buku Settlement
Setoran Penyelesaian Deposit for Foreclosed
306 572 (266) (46,50)
AYDA Assets Settlement
Obligation to Distribute
Kewajiban Penyaluran
- 1.941 (1.941) (100,00) Subsidies from the
Subsidi dari Pemerintah
Government
Lain-lain 22.568 9.168 13.400 146,16 Others
Jumlah 393.854 209.291 184.563 88,18 Total
Dana Syirkah Temporer Temporary Syirkah Funds
Dana syirkah temporer merupakan investasi tidak terikat dalam Temporary syirkah funds are non-binding investments in the form
bentuk giro mudharabah, tabungan mudharabah, deposito of mudharabah demand deposits, mudharabah savings accounts,
berjangka mudharabah, dan sertifikat investasi mudharabah antar mudharabah time deposits, and mudharabah interbank investment
bank. Pada tahun 2023, Bank mencatat dana syirkah temporer certificates. On 2023, the Bank recorded temporary syirkah
sebesar Rp7.019 miliar, meningkat 7,68% dibandingkan tahun funds amounting to Rp7,019 billion, marking a 7.68% increase
2022 yang sebesar Rp6.518 miliar. Kontribusi utama peningkatan compared to Rp6,518 billion in 2022. The main component of
tersebut berasal dari simpanan yang bertambah Rp687 miliar, this increase comes from an increase in deposits by Rp687 billion,
sementara simpanan Bank lain berkurang Rp186 miliar. while other Bank deposits decreased by Rp186 billion.
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Dana Syirkah Temporer berdasarkan Jenis
Temporary Syirkah Funds by Type
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Simpanan 7.003.551 6.317.009 686.542 10,87 Deposit
Simpanan Bank Lain 15.769 201.403 (185.634) (92,17) Deposit of Other Bank
Jumlah 7.019.320 6.518.412 500.908 7,68 Total
Simpanan Masyarakat dengan Sistem Syariah Sharia Deposits
UUS Bank Sinarmas mencatat peningkatan simpanan masyarakat The Sharia Business Unit (UUS) of Bank Sinarmas recorded an
dengan sistem syariah sebesar 10,87%. Giro mudharabah dan increase in Shariah deposits by 10.87%. Mudharabah demand
tabungan mudharabah masing-masing meningkat sebesar deposits and mudharabah savings accounts increased by 12.22%
12,22% dan 65,68%. Sementara itu, deposito berjangka and 65.68%, respectively. Meanwhile, mudharabah time deposits
mudharabah menurun 3,39% menjadi Rp4.369 miliar dari tahun decreased by 3.39% to Rp4,369 billion from Rp4,522 billion in
2022 sebesar Rp4.522 miliar. 2022.
Simpanan Masyarakat dengan Sistem Syariah
Sharia Deposits
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Mudharabah Demand
Giro Mudharabah 712.713 635.081 77.632 12,22
Deposits
Tabungan Mudharabah 1.922.081 1.160.087 761.994 65,68 Mudharabah Savings
Deposito Berjangka Mudharabah Time
4.368.757 4.521.841 (153.084) (3,39)
Mudharabah Deposits
Jumlah 7.003.551 6.317.009 686.542 10,87 Total
Simpanan dari Bank Lain dengan Sistem Syariah Sharia Deposits from other Banks
UUS Bank Sinarmas mencatat penurunan simpanan dari bank UUS of Bank Sinarmas recorded a decrease in sharia deposits
lain dengan sistem syariah, dari Rp201 miliar menjadi Rp16 miliar from other banks, from Rp201 billion to Rp16 billion at the end of
pada akhir tahun 2023. Penurunan ini dikontribusi oleh sertifikat 2023. This decline was contributed to by the maturity of certificate
investasi mudharabah antar Bank Syariah sebesar Rp200 miliar of sharia interbank mudharabah investment amounting to Rp200
yang telah jatuh tempo. billion.
Simpanan dari Bank Lain dengan Sistem Syariah
Sharia Deposits from other Banks
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Mudharabah Demand
Giro Mudharabah 14.769 1.403 13.366 952,67
Deposits
Deposito Mudharabah 1.000 - 1.000 100,00 Mudharabah Deposits
Sertifikat Investasi Certificate of Sharia
Mudharabah - 200.000 (200.000) (100,00) Interbank Mudharabah
Antar Bank Syariah Investment
Jumlah 15.769 201.403 (185.634) (92,17) Total
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Ekuitas Equity
Jumlah ekuitas pada akhir tahun 2023 mencapai Rp7.827 miliar, The total equity reached Rp7,827 billion at the end of 2023,
mengalami peningkatan 7,44% dibandingkan tahun 2022 experiencing a 7.44% increase compared to Rp7,285 billion in
yang sebesar Rp7.285 miliar. Penyebab peningkatan ekuitas 2022. The increase is driven by other equity components increasing
adalah komponen ekuitas lainnya yang meningkat Rp470 miliar by Rp470 billion, mainly because of the decrease in unrealized
dikarenakan penurunan unrealized loss pada surat berharga losses on fair value through other comprehensive income (FVOCI)
kategori fair value through other comprehensive income (FVOCI). category securities.
Rincian Ekuitas
Breakdowns of Equity
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Modal Saham 1.971.616 1.971.616 - - Capital Stock
Tambahan Modal Disetor 3.552.194 3.552.194 - - Additional Paid-in Capital
Komponen Ekuitas Other Equity
588.242 118.628 469.614 395,87
Lainnya Components
Saldo Laba Ditentukan Retained Earning –
9.500 9.000 500 5,56
Penggunaannya Appropriated
Saldo Laba Tidak
Retained Earning –
Ditentukan 1.705.216 1.633.570 71.646 4,39
Unappropriated
Penggunaannya
Jumlah 7.826.768 7.285.008 541.760 7,44 Total
Kinerja Laba/Rugi Profit/Loss Performance
Bank membukukan laba bersih sebesar Rp76 miliar di tahun 2023, The Bank recorded a net profit of Rp76 billion in 2023, experiencing
mengalami penurunan 65,73% dari tahun 2022 yang sebesar a decrease of 65.73% from Rp221 billion in 2022. The decrease
Rp221 miliar. Penurunan laba bersih disebabkan oleh Jumlah in net profit was caused by a 15.26% increase in total operating
beban operasional yang meningkat sebesar 15,26%. Penurunan expenses. This decline in net profit led to a decrease in basic
laba bersih mendorong turun laba bersih per saham dasar dari earnings per share from Rp11.22 to Rp3.84 per share.
Rp11,22 menjadi Rp3,84 per lembar saham.
Laporan Laba Rugi dan Penghasilan Komprehensif
Statement of Income and Comprehensive Income
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Pendapatan Bunga 2.781.795 2.527.616 254.179 10,06 Interest Revenues
Pendapatan Syariah 734.016 770.841 (36.825) (4,78) Sharia Income
Beban Bunga (632.923) (566.923) 66.000 11,64 Interest Expense
Beban Syariah (259.569) (198.887) 60.682 30,51 Sharia Expense
Interest Revenue and
Pendapatan Bunga dan
2.623.319 2.532.647 90.672 3,58 Profit Sharing Income
Bagi Hasil – Bersih
– Net
Pendapatan Operasional Lainnya Other Operating Revenues
Provisi dan Komisi Selain Fees and Commissions
425.536 576.765 (151.229) (26,22)
dari Kredit other than from Loans
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Keuntungan dari Gain on Increase in Fair
Kenaikan Nilai Wajar Value of Securities at Fair
67.541 11.189 56.352 503,64
Efek-efek yang Diukur Value through Profit and
melalui Laba Rugi - Bersih Loss – Net
Keuntungan Kurs Mata Gain on Foreign
76.312 33.649 42.663 126,79
Uang Asing – Bersih Exchange – Net
Keuntungan dari Gain on Sale of Fair
Penjualan Efek-efek yang Value of Securities at Fair
- 18.199 (18.199) (100,00)
Diukur melalui Laba Rugi Value through Profit and
– Bersih Loss – Net
Penerimaan Kembali
Recovery of Written-off
Aset yang Telah 123.196 88.705 34.491 38,88
Assets
Dihapusbukukan
Lain-lain 233.480 31.676 201.804 637,09 Others
Jumlah Pendapatan Total Operating
3.549.384 3.292.830 256.554 7,79
Operasional Revenues
Beban Operasional Lainnya Other Operating Expenses
General and
Umum dan Administrasi (1.196.199) (1.129.748) 66.451 5,88
Administrative Expenses
Tenaga Kerja (1.018.965) (903.294) 115.671 12,81 Personnel Expenses
Kerugian Penurunan Nilai Impairment Losses on
(895.494) (599.193) 296.301 49,45
Aset Keuangan Financial Assets
Depreciation-Property
Penyusutan Aset Tetap (267.244) (250.324) 16.920 6,76
and Equipment
Biaya Komisi (33.303) (39.669) (6.366) (16,05) Commission Expense
Kerugian dari Penjualan Loss on Sale of Fair Value
Efek-efek yang Diukur of Securities at Fair Value
(7.725) - 7.725 100,00
melalui Laba Rugi – through Profit and
Bersih Loss – Net
Lain-lain (56.876) (93.391) (36.515) (39,10) Others
Jumlah Beban Total Operating
(3.475.806) (3.015.619) 460.187 15,26
Operasional Expenses
Laba Sebelum Pajak 73.578 277.211 (203.633) (73,46) Profit Before Tax
Manfaat (Beban) Pajak 2.218 (56.051) 58.269 103,96 Tax (Benefit) Expense
Laba Bersih 75.796 221.160 (145.364) (65,73) Profit for the Year
Rugi Komprehensif Lain Other Comprehensive Loss
Pos yang Akan
Reclassified to Profit and
Direklasifikasi ke Laba 383.239 (288.696) 671.935 232,75
Loss
Rugi
Pos yang Tidak Akan
Not Reclassified to Profit
Direklasifikasi ke Laba 82.725 (6.872) 89.597 1.303,80
and Loss
Rugi
Total Other
Jumlah Laba (Rugi)
465.964 (295.568) 761.532 257,65 Comprehensive Income
Komprehensif Lain
(Loss)
Jumlah Laba (Rugi) Total Comprehensive
541.760 (74.408) 616.168 828,09
Komprehensif Income (Loss)
Laba Bersih per Saham (Nilai Penuh) Earnings per Share (Full Value)
Dasar 3,84 11,22 (7,38) (65,78) Basic
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Pendapatan Revenue
Pendapatan Bunga Bersih Net Interest Revenue
Pada akhir tahun 2023, pendapatan bunga bersih Bank sebesar At the end of 2023, the Bank’s net interest income amounted
Rp2.623 miliar, mengalami peningkatan 3,58% dibandingkan to Rp2,623 billion, experiencing a 3.58% increase compared
tahun 2022 yang sebesar Rp2.533 miliar. Kenaikan ini didukung to Rp2,533 billion in 2022. This increase was supported by an
oleh meningkatnya pendapatan bunga sebesar 6,59%, seiring increase in interest income of 6.59% in line with the growth of
pertumbuhan aset produktif sebesar 9,42%. productive assets by 9.42%.
Pendapatan Bunga dan Syariah Interest Revenue and Sharia Income
Pendapatan bunga dan syariah Bank untuk tahun yang berakhir The Bank’s interest and shariah income for the year ending
pada tanggal 31 Desember 2023 sebesar Rp3.516 miliar, December 31, 2023, amounted to Rp3,516 billion, showing
mencatatkan pertumbuhan yang positif apabila dibandingkan positive growth compared to Rp3,298 billion in 2022. Most of the
dengan tahun 2022 yang sebesar Rp3.298 miliar. Sebagian interest and profit-sharing income items grew compared to 2022.
besar pos-pos pendapatan bunga dan bagi hasil bertumbuh jika
dibandingkan dengan tahun 2022.
Pendapatan bunga dari kredit yang diberikan mengalami Interest income from loans increased by 6.98% compared to
peningkatan 6,98% dibandingkan tahun 2022. Pertumbuhan 2022. The growth in loan interest income in 2023 resulted from
pendapatan bunga kredit di 2023 merupakan hasil dari the settlement of non-performing loans conducted in mid-2022.
penyelesaian kredit bermasalah yang dilakukan pada pertengahan
tahun 2022.
Namun di sisi lain, pendapatan dari piutang dan pembiayaan On the other hand, income from sharia receivables and financing
syariah turun 18,99% walaupun outstanding per tanggal 31 decreased by 18.99% despite the outstanding balance as of
Desember 2023 lebih tinggi dibandingkan 31 Desember 2022. 31 December 2023 was higher than December 31, 2022. This
Hal ini dikarenakan karena dari Desember 2022 hingga Mei 2023 could be because from December 2022 to May 2023, sharia
pembiayaan syariah tidak mengalami pergerakan, pembiayaan financing did not experience any movement, and new financing
baru mulai bergerak naik pada kuartal ketiga tahun 2023, only began to increase in the third quarter of 2023, thereby
sehingga mempengaruhi jumlah pendapatan pembiayaan yang affecting the total financing income received by the Bank.
diterima oleh Bank.
Peningkatan bunga dari aset-aset produktif lain juga mencatatkan The increase in interest from other earning assets also recorded
pertumbuhan, yaitu pendapatan bunga dari penempatan pada growth, namely interest income from placements with other
bank lain dan Bank Indonesia, giro pada bank lain, serta efek- banks and Bank Indonesia, demand deposits with other banks,
efek yang masing-masing mengalami kenaikan sebesar 75,03%, and securities, each experiencing increases of 75.03%, 40.15%,
40,15%, dan 18,85%. and 18.85%, respectively.
Rincian Komponen Pendapatan Bunga dan Syariah
Breakdowns of Interest Revenues and Sharia Income Components
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Pendapatan Bunga Interest Income
Rupiah Rupiah
Kredit yang Diberikan 1.174.841 1.162.516 12.325 1,06 Loans
Efek-Efek 1.041.086 936.036 105.050 11,22 Securities
Penempatan pada Placement with Other
Bank Lain dan Bank 158.097 140.839 17.258 12,25 Banks and Bank
Indonesia Indonesia
Efek yang Dibeli Securities Purchased
dengan Janji Jual 39.962 131.909 (91.947) (69.70) under Agreements to
Kembali Resell
Demand Deposits with
Giro pada Bank Lain 21.156 16.903 4.253 25,16
Other Banks
Jumlah 2.435.142 2.388.203 46.939 1,97 Total
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dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Mata Uang Asing Foreign Currencies
Kredit yang Diberikan 137.995 64.636 73.359 113,50 Loans
Penempatan pada Placement with Other
Bank Lain dan Bank 173.371 56.385 116.986 207,48 Banks and Bank
Indonesia Indonesia
Efek-Efek 25.893 13.497 12.396 91,84 Securities
Demand Deposits with
Giro pada Bank Lain 9.394 4.895 4.499 91,91
Other Banks
Jumlah 346.653 139.413 207.240 148,65 Total
Jumlah Pendapatan
2.781.795 2.527.616 254.179 10,06 Total Interest Revenue
Bunga
Pendapatan Syariah Sharia Income
Rupiah Rupiah
Piutang dan Sharia Receivables and
555.063 685.184 (130.121) (18,99)
Pembiayaan Syariah Sharia Financing
Efek-Efek 125.693 54.139 71.554 132,17 Securities
Penempatan pada Placement with Other
Bank Lain dan Bank 45.594 30.155 15.439 51,20 Banks and Bank
Indonesia Indonesia
Jumlah 726.350 769.478 (43.128) (5,60) Total
Mata Uang Asing Other Currency
Efek-Efek 699 400 299 74,75 Securities
Penempatan pada Placement with Other
Bank Lain dan Bank 6.967 963 6.004 623,47 Banks and Bank
Indonesia Indonesia
Jumlah 7.666 1.363 6.303 462,44 Total
Jumlah Pendapatan
734.016 770.841 (36.825) (4,78) Total Sharia Income
Syariah
Jumlah Pendapatan Total Interest Revenue
3.515.811 3.298.457 217.354 6,59
Bunga dan Syariah and Sharia Income
Pendapatan Operasional Lainnya Other Operating Revenues
Pendapatan operasional di luar bunga yang dibukukan pada Non-interest operational income recorded at the end of 2023
akhir tahun 2023 berjumlah Rp926 miliar. Nominal ini meningkat amounted to Rp926 billion. This figure increased by 21.82% or
21,82% atau Rp166 miliar apabila dibandingkan dengan tahun Rp166 billion compared to 2022. In 2023, the Bank received back
2022. Pada tahun 2023, Bank menerima kembali aset yang telah assets that had been written off amounting to Rp123 billion, up
dihapus buku sebesar Rp123 miliar, naik 38,88% dari tahun 38.88% from 2022, and made insurance claims of Rp214 billion.
2022, serta melakukan klaim asuransi sebesar Rp214 miliar. On the other hand, there was a decrease in commissions and
Di sisi lain, terdapat penurunan pada provisi dan komisi yang fees received by Rp151 billion due to a decline in income from
diterima sebesar Rp151 miliar, dikarenakan ada penurunan pada bancassurance product sales by Rp60 billion and income received
pendapatan yang diterima dari penjualan produk bancassurance by the Bank as a fee intermediary between the shohibul maal and
sebesar Rp60 miliar, pendapatan yang diterima oleh Bank atas mudharib by Rp49 billion.
fee selaku perantara antara shohibul maal dan mudharib sebesar
Rp49 miliar.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Pendapatan Operasional Operating Revenues
Pada akhir tahun 2023, Bank membukukan pendapatan At the end of 2023, the Bank recorded operating revenue of
operasional sebesar Rp3.549 miliar, lebih tinggi 7,79% Rp3,549 billion, which was 7.79% higher than Rp3,293 billion
dibandingkan tahun 2022 yang sebesar Rp3.293 miliar. in 2022. The increase in net interest and profit-sharing income as
Peningkatan pada pendapatan bunga dan bagi hasil bersih well as other operating income were driving factors behind the
serta pendapatan operasional lainnya menjadi faktor pendorong rise in operating income.
naiknya pendapatan operasional.
Beban Expense
Beban Bunga dan Bagi Hasil Interest and Profit Sharing Expense
Bank mencatat beban bunga dan bagi hasil pada akhir tahun 2023 The Bank recorded interest and profit-sharing expenses at the
sebesar Rp892 miliar, meningkat 16,54% dibandingkan tahun end of 2023 amounting to Rp892 billion, increasing by 16.54%
2022 yang sebesar Rp766 miliar. Sebesar 83,72% dari beban compared to Rp766 billion in 2022. 83.72% of the interest and
bunga dan bagi hasil berasal dari beban simpanan masyarakat, profit-sharing expenses came from public deposit expenses,
yang tercatat meningkat 17,98% dari Rp633 miliar menjadi which increased by 17.98% from Rp633 billion to Rp747 billion.
Rp747 miliar. Peningkatan ini sejalan dengan pertumbuhan This increase is in line with the growth of public deposit funds
dana simpanan masyarakat yang disertai dengan kenaikan rata- accompanied by an increase in the average interest rate from
rata suku bunga dari 1,44% menjadi 1,84% di tahun 2023. 1.44% to 1.84% in 2023. Responding to the 2-time increase in
Menyikapi kenaikan BI-7 Days Reverse Repo Rate sebanyak 2 kali, the BI-7 Days Reverse Repo Rate, the Bank selectively adjusted the
Bank secara selektif melakukan penyesuaian tingkat suku bunga third-party fund interest rates considering market competition,
dana pihak ketiga dengan mempertimbangkan kompetisi di liquidity needs, and the impact on the Bank’s performance.
pasar, kebutuhan likuiditas, serta dampak terhadap kinerja Bank.
Selain simpanan masyarakat, meningkatnya beban bunga dan In addition to public deposits, the increase in interest and profit-
bagi hasil juga disebabkan oleh meningkatnya simpanan dari sharing expenses was also attributed to the increase in deposits
bank lain, efek yang dijual dengan janji dibeli kembali dan obligasi from other banks, securities sold under agreements to repurchase,
subordinasi yang masing-masing meningkat sebesar 258,57%, and subordinated bonds, increasing by 258.57%, 100.00%, and
100,00%, dan 101,82%. 101.82%, respectively.
Rincian Komponen Beban Bunga dan Bagi Hasil
Breakdowns of Interest and Profit Sharing Expense Components
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Beban Bunga Interest Expenses
Rupiah Rupiah
Deposito Berjangka (269.162) (249.888) 19.274 7,71 Time Deposits
Tabungan (117.592) (102.058) 15.534 15,22 Saving
Giro (100.304) (92.956) 7.348 7,90 Demand Deposits
Premium on
Premi Penjaminan
(80.800) (97.226) (16.426) (16,89) Government
Pemerintah
Guarantee
Simpanan dari Bank Deposits from Other
(7.210) (579) 6.631 1.145,25
Lain Banks
Efek yang Dijual Securities Sold
dengan Janji Dibeli (5.605) - 5.605 100,00 under Agreement to
Kembali Repurchase
Obligasi Subordinasi (33.220) (16.460) 16.760 101,82 Subordinated Bonds
Jumlah (613.893) (559.167) 54.726 9,79 Total
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Mata Uang Asing Other Currency
Deposito Berjangka (10.194) (6.780) 3.414 50,35 Time Deposits
Giro (8.819) (968) 7.851 811,05 Demand Deposits
Simpanan dari Bank Deposits from
(17) (8) 9 112,50
Lain Other Banks
Jumlah (19.030) (7.756) 11.274 145,36 Total
Jumlah Beban Bunga (632.923) (566.923) 66.000 11,64 Total Interest Expense
Beban Syariah Sharia Expense
Rupiah Rupiah
Deposito Berjangka (184.268) (141.690) 42.578 30,05 Time Deposits
Tabungan (40.817) (18.223) 22.594 123,99 Saving Deposits
Giro (16.032) (20.770) (4.738) (22,81) Demand Deposits
Premium on
Premi Penjaminan
(16.625) (16.266) 359 2,21 Government
Pemerintah
Guarantee
Simpanan dari Bank Deposits from
(1.827) (1.938) (111) (5,73)
Lain Other Banks
Jumlah Beban Syariah (259.569) (198.887) 60.682 30,51 Total Sharia Expenses
Jumlah Beban Bunga Total Interest and
(892.492) (765.810) 126.682 16,54
dan Syariah Sharia Expenses
Beban Operasional Lainnya Other Operating Expenses
Beban operasional lainnya Bank untuk tahun yang berakhir pada Other operating expenses of the Bank for the year ending
tanggal 31 Desember 2023 adalah Rp3.476 miliar, meningkat December 31, 2023, amounted to Rp3,476 billion, increasing
15,26% atau setara dengan Rp460 miliar dibandingkan periode by 15.26% or equivalent to Rp460 billion compared to the
sebelumnya yang sebesar Rp3.016 miliar. Peningkatan pada previous period of Rp3,016 billion. The increase in the Bank’s
beban operasional Bank dikontribusi oleh kerugian peningkatan operating expenses was contributed by the increased allowance
nilai aset keuangan (CKPN) yang bertambah sebesar Rp296 miliar. for impairment losses (CKPN) amounting to Rp296 billion.
Selain beban CKPN, pos-pos biaya lain seperti beban umum dan Besides the CKPN expenses, other cost items such as general
administrasi dan biaya tenaga kerja juga meningkat dari tahun and administrative expenses and labor costs also increased from
2022. Peningkatan biaya tenaga kerja sebesar 12,81% seiring 2022. The increase in labor costs by 12.81% was in line with the
meningkatnya jumlah pegawai Bank dan meningkatnya pajak increase in the number of Bank employees and the increase in
PPh 21. income tax (PPh 21).
Kinerja Arus Kas Cash Flow Performance
Bank Sinarmas mencatat posisi saldo kas dan setara kas pada Bank Sinarmas recorded a cash and cash equivalents balance of
akhir tahun 2023 sebesar Rp15.331 miliar. Posisi ini meningkat Rp15,331 billion at the end of 2023. This position increased by
38,84% apabila dibandingkan dengan tahun 2022 yang sebesar 38.84% compared to Rp11,042 billion in 2022.
Rp11.042 miliar.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Laporan Arus Kas
Cash Flows Statement
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
Arus Kas Diperoleh Cash Flow (Used in)
dari (Digunakan untuk) 4.628.695 (4.999.465) 9.628.160 192,58 Provided from Operating
Aktivitas Operasi Activities
Arus Kas Diperoleh Cash Flow (Used in)
dari (Digunakan untuk) (188.267) (119.425) 68.842 57,64 Provided from Investment
Aktivitas Investasi Activities
Arus Kas Diperoleh Cash Flow (Used in)
dari (Digunakan untuk) (111.120) 397.299 (508.419) (127,97) Provided from Financing
Aktivitas Pendanaan Activities
Net Increase (Decrease)
Kenaikan (Penurunan)
4.329.308 (4.721.591) 9.050.899 191,69 of Cash and Cash
Bersih Kas dan Setara Kas
Equivalents
Cash and Cash Equivalent
Kas dan Setara Kas Awal
11.042.096 15.452.929 (4.410.833) (28,54) at the Beginning of the
Tahun
Year
Pengaruh Perubahan Effect on Foreign
(40.234) 310.758 (350.992) (112,95)
Kurs Mata Uang Asing Exchange Rate Changes
Cash and Cash
Kas dan Setara Kas Akhir
15.331.170 11.042.096 4.289.074 38,84 Equivalent at the End of
Tahun
the Year
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Kas yang diperoleh Bank dari aktivitas operasi pada tahun 2023 In 2023, the Bank booked the cash from operating activities
mencapai Rp4.629 miliar. Kondisi ini berbeda dengan tahun amounted to Rp4,629 billion. This condition is different from
2022, di mana Bank menggunakan kas untuk aktivitas ini sebesar 2022, where the Bank used cash for these activities amounting
Rp4.999 miliar. Perolehan kas dari aktivitas operasi berasal dari to Rp4,999 billion. Realization of cash from operating activities
pergerakan pada pos-pos aset dan liabilitas, terutama peningkatan comes from movements in asset and liability positions, especially
pos simpanan sebesar Rp2.746 miliar dan pos efek yang dijual the increase in deposit positions by Rp2,746 billion and and the
dengan janji dibeli kembali (repo) sebesar Rp1.052 miliar. position of securities sold under agreements to repurchase (repo)
amounted to Rp1,052 billion
Arus Kas dari Aktivitas Investasi Cash Flow from Investment Activities
Kas yang digunakan Bank untuk aktivitas investasi di tahun The cash used by the Bank for investing activities in 2023 amounted
2023 mencapai Rp188 miliar, meningkat 57,64% dibandingkan to Rp188 billion, an increase of 57.64% compared to 2022, which
tahun 2022 yang sebesar Rp119 miliar. Penggunaan kas dengan was Rp119 billion. The cash usage with that nominal amount
nominal tersebut sebagian besar dari perolehan aset tetap untuk mostly comes from acquiring fixed assets to acquire hardware
mengakuisisi perangkat keras dan lunak sebesar Rp152 miliar and software amounting to Rp152 billion to meet the Bank's
guna memenuhi kebutuhan pengembangan teknologi informasi information technology development needs in digitalization era.
Bank di era digitalisasi.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Sepanjang tahun 2023, Bank menggunakan kas bersih untuk Throughout 2023, the Bank used net cash for financing activities
aktivitas pendanaan sebesar Rp111 miliar, berbeda dengan tahun amounting to Rp111 billion, which is different from the previous
sebelumnya yang memperoleh kas bersih dari aktivitas ini sebesar year, which obtained net cash from this activity amounting to
Rp397 miliar. Kondisi ini disebabkan pada tahun 2022 Bank Rp397 billion. This condition is primarily due to In 2022, the
memperoleh dana masuk dari penerbitan obligasi subordinasi Bank received proceeds from the issuance of subordinated bonds
sebesar Rp495 miliar dan menggunakan dana untuk pembayaran amounting to Rp495 billion and used the proceeds to pay lease
liabilitas sewa sebesar Rp98 miliar. Sedangkan pada tahun 2023, liabilities of Rp98 billion. Meanwhile, in 2023, the Bank only used
Bank hanya menggunakan dana untuk pembayaran liabilitas the proceeds to pay lease liabilities amounting to Rp111 billion but
sewa sebesar Rp111 miliar, tetapi tidak memperoleh arus kas dari did not receive cash flow from financing activities.
aktivitas pendanaan.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Rasio Keuangan Financial Ratios
Kinerja rasio-rasio keuangan Bank di tahun 2023 diungkapkan The performance of the Bank’s financial ratios in 2023 is revealed
pada tabel berikut. in the following table.
Rasio Kinerja dan Kepatuhan Bank
Bank Performance and Compliance Ratio
dalam % / in %
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
(%)
Rasio Kinerja Performance Ratio
CAR 25,34 29,49 (4,15) CAR
Aset Produktif
Non-Performing Earning
Bermasalah dan Non-
Assets and Non-Earning
Produktif Bermasalah
1,49 2,73 (1,24) Assets to Total Earning
terhadap Jumlah Aset
Assets and Non-Earning
Produktif dan Aset Non-
Assets
Produktif
Aset Produktif Non-Performing Earning
Bermasalah terhadap 1,66 3,14 (1,48) Assets to Total Earning
Jumlah Aset Produktif Assets
NPL Bruto 1,53 7,99 (6,46) Gross NPL
NPL Neto 0,35 2,49 (2,14) Net NPL
ROA 0,15 0,54 (0,39) ROA
ROE 1,07 3,27 (2,20) ROE
NIM 6,26 5,68 0,58 NIM
BOPO 103,36 93,27 10,09 BOPO
LDR 40,94 41,07 (0,13) LDR
Rasio Kepatuhan Compliance Ratio
Percentage of Legal
Persentase Pelanggaran
Lending Limit (LLL)
BMPK
Violation
Pihak Terkait Nil Nil Nil Related Party
Pihak Tidak Terkait Nil Nil Nil Non-Related Party
Persentase Pelampauan
Percentage of LLL Excess
BMPK
Pihak Terkait Nil Nil Nil Related Party
Pihak Tidak Terkait Nil Nil Nil Non-Related Party
Giro Wajib Minimum Statutory Reserves
15,22 10,01 5,21
Rupiah (Rupiah)
Giro Wajib Minimum Statutory Reserves
4,09 3,95 0,14
Valuta Asing (Foreign Currency)
Posisi Devisa Neto 6,57 0,81 5,76 Net Open Position
Kemampuan Membayar Utang Debt-Service Ability
Bank Sinarmas memiliki kemampuan melunasi utang yang baik Bank Sinarmas had a good debt repayment capability in 2023. This
di tahun 2023. Hal ini tercermin dari kinerja serta kemampuan was reflected in its performance and ability to meet all obligations
memenuhi segala kewajiban yang jatuh tempo secara tepat on time. The bank used liquidity, profitability, and solvency ratios
waktu. Bank menggunakan parameter rasio likuiditas, rentabilitas, as parameters to measure its ability to fulfill all obligations, both
dan solvabilitas untuk mengukur kemampuan memenuhi long-term and short-term, as well as to calculate the ability to
seluruh kewajiban, baik jangka panjang maupun pendek, serta provide liquidity reserves.
menghitung kemampuan penyediaan cadangan likuiditas.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Rasio Likuiditas Liquidity Ratio
Bank Sinarmas selalu memastikan memiliki likuiditas yang Bank Sinarmas always ensures that it has adequate liquidity. The
memadai. Bank mengalokasikan dana pada penempatan jangka Bank allocates funds to low-risk short-term placements, such as
pendek berisiko rendah, seperti penempatan di Bank Indonesia placements with Bank Indonesia in the form of deposit facility and
dalam bentuk deposit facility dan reverse repo, sebagai bentuk reverse repo, as a form of liquidity management. Several indicators
pengelolaan likuiditas. Sejumlah indikator digunakan untuk are used to measure liquidity conditions, namely the loan to
mengukur kondisi likuiditas, yaitu rasio kredit terhadap DPK (loan deposit ratio (LDR), macroprudential intermediation ratio (RIM),
to deposit ratio/ LDR), rasio intermediasi makroprudensial (RIM), liquid instrument ratio to non-core deposit (AL/NCD) and third-
rasio alat likuid terhadap non-core deposit (AL/NCD) dan dana party funds (AL/DPK), liquidity coverage ratio (LCR), and net stable
pihak ketiga (AL/DPK), liquidity coverage ratio (LCR), dan net funding ratio (NSFR). The average LDR in 2023 was 39.40% and
stable funding ratio (NSFR). Rata-rata LDR pada tahun 2023 di closed at 40.94% at the end of 2023. Bank Sinarmas’s RIM stood
39,40% dan ditutup di 40,94% pada akhir tahun 2023. RIM Bank at 51.24% at the end of 2023. The average AL/NCD ratio and AL/
Sinarmas berada di level 51,24% di akhir tahun 2023. Rata-rata DPK ratio in 2023 were 158.40% and 38.10% respectively, higher
rasio AL/NCD dan rasio AL/DPK pada tahun 2023 masing-masing than the Financial Services Authority’s requirement of 50.00%
di 158,40% dan 38,10%, lebih tinggi dari persyaratan Otoritas and 10.00%. The LCR and NSFR of the Bank at the end of 2023
Jasa Keuangan yang sebesar 50,00% dan 10,00%. LCR dan NSFR were 265.97% and 170.52% respectively, also exceeding the
Bank pada akhir tahun 2023 masing-masing sebesar 265,97% thresholds set by the Regulator. The high ratios used as liquidity
dan 170,52%, juga melampaui threshold yang ditetapkan oleh benchmarks indicate that the Bank is in a liquid condition.
Regulator. Tingginya rasio-rasio yang digunakan sebagai tolak
ukur likuiditas mengindikasikan Bank dalam kondisi likuid.
dalam % / in %
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
(%)
LCR 265,97 306,43 (40.46) LCR
NSFR 170,52 156,95 13.57 NFSR
Rasio Rentabilitas Profitability Ratio
Pada tahun 2023 sebagian besar rasio-rasio rentabilitas In 2023, most of the profitability ratios experienced a decline
mengalami penurunan apabila dibandingkan dengan akhir tahun compared to the end of 2022. It was caused by an increase in
2022. Hal ini disebabkan oleh peningkatan beban operasional operating expenses that led to a decrease in profit. On the other
yang mendorong penurunan laba. Di sisi lain, rasio net interest hand, the net interest margin (NIM) ratio was recorded higher
margin (NIM) tercatat lebih tinggi disebabkan aset-aset produktif due to the earning assets of Bank Sinarmas managed to generate
yang dimiliki Bank Sinarmas mampu menghasilkan pendapatan higher net interest income than in 2022. The Bank will always
bunga bersih yang lebih tinggi dari tahun 2022. Bank akan selalu maintain a balance between productive asset portfolios and
menjaga keseimbangan portofolio aset produktif dan struktur funding structures to achieve an optimal NIM ratio with measured
pendanaan untuk mendapatkan rasio NIM yang optimal dengan and controlled risk levels. Meanwhile, the gross non-performing
tingkat risiko yang terukur dan terkendali. Sedangkan rasio non- loan (NPL) ratio improved to 1.53% in 2023 from 7.99% in 2022.
performing loan (NPL) bruto mengalami perbaikan menjadi 1,53%
di tahun 2023 dari 7,99% di tahun 2022.
Indikator Rasio Rentabilitas Bank
Profitability Ratio Indicator
dalam % / in %
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
(%)
ROA 0,15 0,54 (0,39) ROA
ROE 1,07 3,27 (2,20) ROE
NIM 6,26 5,68 0,58 NIM
NPL Bruto 1,53 7,99 (6,46) Gross NPL
NPL Neto 0,35 2,49 (2,14) Net NPL
BOPO 103,36 93,27 10,09 BOPO
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Rasio Solvabilitas Solvency Ratio
Rasio solvabilitas adalah rasio untuk menilai kemampuan The solvency ratio is a ratio used to assess a company’s ability to
perusahaan dalam melunasi semua kewajibannya. Untuk meet all its obligations. The Bank uses the Capital Adequacy Ratio
memantau kecukupan modal Bank digunakan rasio kewajiban (CAR) to monitor the adequacy of its capital. CAR is the ratio of
penyediaan modal minimum (KPMM) atau capital adequacy ratio capital to risk-weighted assets (RWA). Bank Indonesia sets the
(CAR). CAR merupakan rasio modal terhadap aset tertimbang minimum capital that banks must maintain in line with their risk
menurut risiko (ATMR). Bank Indonesia menetapkan modal profile.
minimum yang dipelihara oleh Bank harus disesuaikan dengan
profil risiko.
Bank Sinarmas memiliki permodalan yang sehat dan mampu Bank Sinarmas has a healthy capitalization and is able to absorb
menyerap risiko kredit, risiko pasar, dan risiko operasional, credit risk, market risk, and operational risk, with a CAR level
dengan tingkat CAR sebesar 25,34%. Rasio ini lebih rendah of 25.34%. This ratio is lower compared to 2022, which was
jika dibandingkan dengan tahun 2022 yang sebesar 29,49%. 29.49%. The decrease in CAR is due to the increase in total capital
Penurunan pada CAR dikarenakan peningkatan jumlah modal by 7.18%, which is lower compared to the increase in total RWA
yang sebesar 7,18% lebih rendah apabila dibandingkan dengan (as the denominator) by 24.74%. The increase in RWA is mainly
peningkatan jumlah ATMR (sebagai pembagi) yang sebesar contributed by credit risk.
24,74%, peningkatan ATMR dikontribusi terbesar dari risiko kredit.
Indikator Rasio Solvabilitas Bank
Solvency Ratio Indicator
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pertumbuhan (Penurunan)
Uraian 2023 2022 Growth (Decrease) Description
Nominal %
CAR (%) 25,34 29,49 (4,15) (14,07) CAR (%)
Modal Inti 7.283.216 6.783.476 499.740 7,37 Core Capital
Modal Pelengkap 711.607 676.037 35.570 5,26 Supplementary Capital
Tingkat Kolektibilitas Piutang Receivables Turnover Ratio
Bank memiliki syarat dan ketentuan dalam penyaluran kredit. The Bank has terms and conditions for credit disbursement. This is
Hal ini diperlukan sebagai langkah awal mitigasi risiko kredit necessary as an initial step in mitigating non-performing loan risks.
bermasalah. Selain itu, secara konsisten dan berkesinambungan, In addition, consistently and continuously, the Bank addresses
Bank melakukan penanganan atas kredit bermasalah. Tingkat non-performing loans. The gross non-performing loan (NPL) and
kredit bermasalah (non-performing loan/NPL) bruto dan NPL neto net NPL levels were 1.53% and 0.35%, respectively, at the end
masing-masing sebesar 1,53% dan 0,35% pada akhir tahun buku of the 2023 fiscal year. This condition has improved compared to
2023. Kondisi ini mengalami perbaikan jika dibandingkan tahun 2022, which was 7.99% and 2.49%, respectively.
2022 sebesar 7,99% dan 2,49%.
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Perkembangan Tingkat Kolektibilitas Bank
Receivables Turnover Ratio
dalam jutaan Rupiah / in million Rupiah
Dalam Perhatian
Kurang
Lancar Khusus Diragukan Macet Jumlah
Jenis Lancar Description
Current Special Doubtful Loss Total
Substandard
Mention
2023
Rupiah 14.315.628 1.765.388 55.299 20.773 183.932 16.341.020 Rupiah
Mata Uang Asing 464.219 66.207 - - - 530.426 Other Currency
Jumlah 14.779.847 1.831.595 55.299 20.773 183.932 16.871.446 Total
2022
Rupiah 12.312.337 1.494.726 34.321 401.831 52.044 14.295.259 Rupiah
Mata Uang Asing 353.667 74.724 - 777.314 - 1.205.705 Other Currency
Jumlah 12.666.004 1.569.450 34.321 1.179.145 52.044 15.500.964 Total
Nilai Ekonomi Langsung yang Dihasilkan dan Direct Economic Value Generated and
Didistribusikan Distributed
Bank Sinarmas berkomitmen untuk memberikan manfaat melalui Bank Sinarmas is committed to providing benefits through the
nilai ekonomi yang didistribusikan kepada para pemangku economic value distributed to stakeholders, as follows.
kepentingan, sebagai berikut.
dalam jutaan Rupiah / in million Rupiah
Uraian 2023 2022 2021 Description
Nilai Ekonomi Langsung yang Diterima Direct Economic Value Received
Pendapatan Bunga dan Syariah 3.515.811 3.298.457 3.317.979 Interest and Sharia Income
Pendapatan Operasional Lainnya 425.536 576.765 649.365 Other Operating Income
Jumlah Nilai Ekonomi yang Total Direct Economic Value
3.941.347 3.875.222 3.967.344
Diterima Received
Nilai Ekonomi yang Didistribusikan Distributed Economic Value
Beban Bunga dan Syariah 892.492 765.810 902.182 Interest and Sharia Expense
Other Operating Expense
Beban Operasional Lainnya
(Personnel Expenses, and
(Beban Tenaga Kerja serta Beban 2.215.164 2.033.042 1.908.582
General and Administrative
Umum dan Administrasi
Expenses)
Pembayaran kepada Penyandang Payment to Funder (Dividend
- - -
Dana (Pembayaran Dividen) Distribution)
Pembayaran kepada Pemerintah Payments to the Government
52.572 158.846 29.745
(Pajak, Retribusi, dan Lain-lain) (Taxes, Levies, etc.)
Jumlah Nilai Ekonomi yang Total Distributed Economic
2.267.736 2.191.888 1.938.327
Didistribusikan Value
Nilai Ekonomi yang Ditahan Retained Economic Value
Nilai Ekonomi yang Ditahan 1.673.611 1.683.334 2.029.017 Retained Economic Value
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Suku Bunga Dasar Kredit Prime Lending Rates
Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 tentang Financial Services Authority Regulation No. 37/POJK.03/2019 on
Transparansi dan Publikasi Laporan Bank dan Surat Edaran Otoritas Transparency and Publication of Reports of Banks, and Financial
Jasa Keuangan No. 9/SEOJK.03/2020 tentang Transparansi Services Authority Circular No. 9/SEOJK.03/2020 on Transparency
dan Publikasi Laporan Bank Umum Konvensional, Bank Umum and Publication of Reports of Conventional Commercial Banks
yang menjalankan kegiatan usaha secara konvensional memiliki regulate Conventional Commercial Banks have an obligation to
kewajiban untuk melaporkan dan mempublikasikan Suku Bunga report and publish the Prime Lending Rate (SBDK) in Indonesian
Dasar Kredit (SBDK) dalam mata uang Rupiah. Publikasi ini Rupiah currency. This publication is aimed at providing clarity and
untuk memberikan kejelasan dan memudahkan nasabah dalam facilitating customers in assessing the benefits, costs, and risks of
menimbang manfaat, biaya dan risiko kredit yang ditawarkan. the credit offered.
dalam % / in %
Suku Bunga Dasar Kredit Rupiah berdasarkan Segmen Kredit
Prime Lending Rates in Rupiah by Credit Segment
Akhir Periode
Kredit Konsumsi
End of Period Kredit Korporasi Kredit Ritel Kredit Mikro Consumer Credit
Corporate Loans Retail Credit Micro Credit
KPR Non-KPR
Triwulan I-2023 10,50 11,00 14,00 N/A 10,50
Triwulan II-2023 10,50 11,00 14,00 N/A 10,50
Triwulan III-2023 10,50 11,00 14,00 8,00 10,50
Triwulan IV-2023 10,50 11,00 14,00 8,00 10,50
Pada Triwulan III 2023, Bank mulai menghitung SBDK Kredit In the third quarter of 2023, the Bank began calculating the Prime
konsumsi KPR, hal ini seiring dengan diluncurkan program Lending Rate (SBDK) for Home Ownership Credit (KPR), in line with
dan promosi untuk KPR. Bank selalu berusaha mendiversifikasi the launch of programs and promotions for KPR. The Bank always
penyaluran kredit ke berbagai sektor, termasuk KPR, dengan strives to diversify credit disbursement across various sectors,
tujuan mengurangi risiko konsentrasi, memperluas target pasar including KPR, in order to reduce concentration risks, expanding
serta meningkatkan fungsi intermediasi. the target market, and enhancing intermediation functions.
Bank diwajibkan untuk melaporkan perhitungan SBDK kepada Bank The Bank is required to report the calculation of SBDK to Bank
Indonesia secara bulanan, dan dipublikasikan melalui situs Bank, Indonesia on a monthly basis, and it is published through the
papan pengumuman di kantor-kantor Bank Sinarmas serta di koran Bank’s website, notice boards in Bank Sinarmas offices, and in
setiap triwulanan. Perhitungan SBDK berlaku untuk jenis kredit newspapers every quarter. The calculation of SBDK applies to
korporat, kredit ritel, kredit, mikro, dan kredit konsumsi (KPR dan corporate loans, retail loans, microloans, and consumer credit
non-KPR). Namun, Bank Indonesia menyerahkan penggolongan (KPR and non-KPR). However, Bank Indonesia classifies corporate
kredit korporat, kredit ritel, dan kredit konsumsi (KPR dan non-KPR) loans, retail credit, and consumer credits (KPR and non-KPR) based
berdasarkan kriteria internal yang digunakan oleh Bank. on internal criteria used by the Bank.
Struktur Modal Capital Structure
Kebijakan Struktur Modal Capital Structure Policy
Struktur modal Bank Sinarmas, terdiri dari Modal Inti (Tier 1) dan Bank Sinarmas’s capital structure consists of Core Capital (Tier 1)
Modal Pelengkap (Tier 2). and Supplementary Capital (Tier 2).
Modal Inti (Tier 1) Core Capital (Tier 1)
Modal Inti (Tier 1), terdiri dari Modal Inti Utama (Common Core Capital (Tier 1) consists of Common Equity Tier 1 (CET 1)
Equity Tier/CET 1) dan Modal Inti Tambahan (Additional Tier 1). and Additional Tier 1 Capital. CET 1 includes paid-up capital,
Modal inti utama mencakup modal disetor, cadangan tambahan additional capital reserves (disclosure reserve), and deductions
modal (disclosure reserve), dan faktor pengurang modal inti from core capital. Additional capital reserves consist of positive
utama. Cadangan tambahan modal terdiri atas faktor penambah factors (other comprehensive income and other additional capital
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(pendapatan komprehensif lainnya dan cadangan tambahan reserves) and negative factors (other comprehensive income and
modal lainnya) dan faktor pengurang (pendapatan komprehensif other additional capital reserves). The majority of the Bank’s capital
lainnya dan cadangan tambahan modal lainnya). Sebagian besar structure is core capital amounting to Rp7.283 billion or 91.10%
struktur modal Bank adalah modal inti sebesar Rp7.283 miliar of the total capital.
atau 91,10% dari jumlah modal.
Rincian Struktur Modal
Details of Capital Structure
dalam jutaan Rupiah / in million Rupiah
Uraian 2023 2022 Description
Komponen Modal Capital
Modal Inti 7.283.216 6.783.476 Core Capital
Modal Pelengkap 711.607 676.037 Supplementary Capital
Jumlah Modal 7.994.823 7.459.513 Total Capital
Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets (RWA)
Risiko Kredit Setelah Memperhitungkan Risiko
20.197.024 17.430.759 Credit Risk After Considering Specific Risk
Spesifik
Risiko Pasar 4.118.159 1.912.082 Market Risk
Risiko Operasional 7.237.461 5.952.534 Operational Risk
Jumlah ATMR untuk Risiko Kredit, Pasar, Total RWA for Credit, Market, and
31.552.643 25.295.375
dan Operasional Operational Risks
Rasio Kewajiban Penyediaan Modal
Capital Adequacy Ratio (CAR)
Minimum (KPPM) yang Tersedia
KPPM dengan Memperhitungkan Risiko Kredit
39,58 42,80 CAR with Credit Risk (%)
(%)
KPPM dengan Memperhitungkan Risiko Kredit
32,87 38,56 CAR with Credit and Market Risk (%)
dan Pasar (%)
KPPM dengan Memperhitungkan Risiko Kredit
29,14 31,90 CAR with Credit and Operational Risk (%)
dan Operasional (%)
KPPM dengan Memperhitungkan Risiko Kredit, CAR with Credit, Operational, and Market
25,34 29,49
Operasional, dan Pasar (%) Risk (%)
Rasio KPPM yang Diwajibkan berdasarkan Minimum Capital Adequacy Ratio based
10,00 10,00
Profil Risiko (%) on the Profile Risk (%)
Ikatan Material untuk Investasi Barang Modal Material Commitments for Capital Goods
Investment
Bank Sinarmas tidak melakukan ikatan material dengan pihak lain Bank Sinarmas had no material commitment with other parties
terkait investasi barang modal sepanjang tahun 2023. related to investment in capital goods in 2023.
Investasi Barang Modal Capital Goods Investment
Jumlah investasi barang modal Bank pada tahun 2023 mencapai The total realization of capital investment by the Bank in 2023
Rp167 miliar, tumbuh 38,97% dibandingkan tahun sebelumnya reached Rp167 billion, increasing by 38.97% compared to the
yang sebesar Rp120 miliar. Pertumbuhan terutama berasal dari previous year’s Rp120 billion. The growth primarily came from
peningkatan investasi untuk inventaris kantor dan bangunan yang increased investment in office inventory and buildings aimed at
bertujuan untuk mendukung operasional Bank. supporting the Bank’s operations.
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Realisasi Investasi Barang Modal
Realization of Capital Goods Investment
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Uraian 2023 2022 Description
Tanah - 1.446 Land
Bangunan 1.899 3.685 Building
Inventaris Kantor 164.587 114.783 Office Inventory
Kendaraan Bermotor 203 32 Vehicle
Jumlah 166.689 119.946 Total
Informasi dan Fakta Material yang Terjadi Information and Fact Subsequent to Reporting
setelah Tanggal Pelaporan Akuntan Date
Per tanggal 1 Januari 2024, Akta No. 2 tanggal 2 Januari 2024 As of January 1, 2024, Deed No. 2 dated January 2, 2024, made
yang dibuat di hadapan Aulia Taufani S.H., notaris di Jakarta, before Aulia Taufani S.H., a notary public in Jakarta, regarding the
Pemisahan Unit Usaha Syariah PT. Bank Sinarmas Tbk. telah efektif Spin-off of Sharia Business Unit of PT Bank Sinarmas Tbk has been
dilakukan dengan pendirian Bank Umum Syariah baru dengan effectively carried out with the establishment of a new Sharia
nama PT Bank Nano Syariah. Commercial Bank named PT Bank Nano Syariah.
Dengan dipisahkannya Unit Usaha Syariah, maka selanjutnya PT. With the Spin-off of Sharia Business Unit, PT Bank Sinarmas Tbk.
Bank Sinarmas Tbk. tidak lagi melakukan kegiatan usaha syariah, dan will no longer engage in Sharia business activities, and a change
telah dilakukan perubahan kegiatan usaha pada Pasal 3 Anggaran in business activities has been made to Article 3 of the Articles of
Dasar Bank Sinarmas sebagaimana termaktub dalam Akta Pernyataan Association of Bank Sinarmas as stated in the Deed of Statement
Keputusan Rapat Perubahan Anggaran Dasar PT Bank Sinarmas Tbk. of Decision of the Meeting for the Amendment of the Articles of
No. 3 tanggal 2 Januari 2024 yang dibuat di hadapan Aulia Taufani, Association of PT Bank Sinarmas Tbk. No. 3 dated January 2, 2024,
S.H., Notaris di Jakarta yang telah memperoleh persetujuan sesuai made before Aulia Taufani, S.H., a Notary in Jakarta, which has
dengan Surat Keputusan Menteri Hukum dan Hak Asasi Manusia obtained approval in accordance with the Decree of the Minister
Republik Indonesia No. AHU-0000118.AH.01.02 Tahun 2024 of Law and Human Rights of the Republic of Indonesia No. AHU-
tanggal 2 Januari 2024. 0000118.AH.01.02 Year 2024 dated January 2, 2024.
PT Bank Nano Syariah telah tercatat dalam Administrasi PT Bank Nano Syariah has been registered in the Financial Services
Pengawasan Otoritas Jasa Keuangan sebagai Anggota Kelompok Authority’s Supervision Administration as a member of the Banking
Usaha Bank dengan Perusahaan Induk PT. Bank Sinarmas Tbk. Business Group under the Parent Company PT Bank Sinarmas Tbk.
Berdasarkan Akta No. 1 tanggal 2 Januari 2024 yang dibuat di Based on Deed No. 1 dated January 2, 2024, made before Aulia
hadapan Aulia Taufani S.H., susunan anggota Dewan Komisaris, Taufani S.H., the composition of the Board of Commissioners, the
Direksi, dan Dewan Pengawas Syariah PT Bank Nano Syariah Board of Directors, and Sharia Supervisory Board of PT Bank Nano
sebagai berikut. Syariah is as follows.
Dewan Komisaris Board of Commissioners
Komisaris Utama : The Tjun Hau President Commissioner : The Tjun Hau
Komisaris Independen : Nana Supriana Independent Commissioner : Nana Supriana
Komisaris Independen : Horas Parsaulian Pardede Independent Commissioner : Horas Parsaulian Pardede
Direksi Board of Directors
Direktur Utama : Halim President Director : Halim
Direktur : Soejanto Soetjijo Director : Soejanto Soetjijo
Direktur : Uzan Tedjamulia Director : Uzan Tedjamulia
Direktur : Hanafi Himawan Director : Hanafi Himawan
Direktur : Suyono Wijaya Director : Suyono Wijaya
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Dewan Pengawas Syariah Sharia Supervisory Board
Ketua : Ahmadi Sukarno Chairman : Ahmadi Sukarno
Anggota : Mochammad Bukhori Muslim Member : Mochammad Bukhori Muslim
Terkait efektifnya pemisahan tersebut maka susunan Pengurus Regarding the effectiveness of this Spin-off, the composition of
PT. Bank Sinarmas Tbk. sebagai berikut. the Management of PT Bank Sinarmas Tbk is as follows.
Dewan Komisaris Board of Commissioners
Komisaris Utama : Tjendrawati Widjaja President Commissioner : Tjendrawati Widjaja
Komisaris Independen : Sammy Kristamuljana Independent Commissioner : Sammy Kristamuljana
Komisaris Independen : Rusmin Independent Commissioner : Rusmin
Direksi Board of Directors
Direktur Utama : Frenky Tirtowijoyo President Director : Frenky Tirtowijoyo
Direktur : Miko Andidjaja Director : Miko Andidjaja
Direktur : Ekajaya Ongny Putra Director : Ekajaya Ongny Putra
Direktur : Enny Kamal Director : Enny Kamal
Direktur : Sendy Director : Sendy
Berdasarkan Akta tersebut juga menegaskan kembali susunan Based on this Deed, it also reaffirms the composition of PT Bank
Pemegang Saham PT Bank Nano Syariah sebagai berikut. Nano Syariah Shareholders as follows.
Persentase Kepemilikan Jumah Modal Disetor
Pemegang Saham Jumlah Saham Beredar
Ownership Percentage Total of Paid-up Capital
Shareholder Total Outstanding Shares
(%) (Rp)
PT Bank Sinarmas Tbk 5.100.000.000 51,00 510.000
PT Sinarmas Multiartha Tbk 2.500.000.000 25,00 250.000
PT Asuransi Sinar Mas 2.400.000.000 24,00 240.000
Jumlah 10.000.000.000 100,00 1.000.000
Target, Realisasi, dan Proyeksi Target, Realization, and Projection
Target dan Realisasi Tahun 2023 [POJK51-F.2] Target and Realization in 2023 [POJK51-F.2]
Kinerja Bank pada tahun 2023 dinilai cukup baik, sebagian The performance of the Bank in 2023 is considered quite good,
besar pos-pos utama laporan keuangan neraca dan laba rugi with most of the main items in the balance sheet and income
hampir mencapai target yang telah ditetapkan. Jumlah aset statement almost reaching the set targets. Total assets at the end
pada penghujung tahun 2023 sebesar Rp52.635 miliar atau of 2023 amounted to Rp52,635 billion or 90.54% to the budget
90,54% terhadap anggaran yang sebesar Rp58.133 miliar. of Rp58,133 billion. Since the middle of the second quarter of
Sejak pertengahan kuartal 2 tahun 2023, portofolio kredit dan 2023, the credit and financing portfolio started to grow and
pembiayaan mulai bertumbuh, dan terus meningkat hingga akhir continued to increase until the end of 2023, reaching 99.29% of
tahun 2023 mencapai 99,29% dari target. Di sisi lain, realisasi the target. On the other hand, the realization of third-party fund
penghimpunan dana pihak ketiga (DPK) terhadap anggaran (DPK) to the budget was 86.59%.
adalah sebesar 86,59%.
Bank mencatat laba sebelum pajak sebesar Rp74 miliar berada di The Bank recorded a profit before tax of Rp74 billion, which was
bawah target sebesar Rp315 miliar, belum tercapainya target laba below the target of Rp315 billion. The non-achievement of the
disebabkan oleh beban operasional di luar bunga berada 11,95% profit target was because the overhead cost at 11.95% above
di atas anggaran. Perolehan laba sebelum pajak yang sebesar the budget. The pre-tax profit margin of 23.36% also caused
23,36% menyebabkan beberapa rasio keuangan utama juga several key financial ratios to not meet the budget, namely the
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tidak mencapai anggaran, yaitu rasio ROA, ROE, dan BOPO yang ROA, ROE, and BOPO ratios, which were 0.15%, 1.07%, and
masing-masing di 0,15%, 1,07% dan 103,36%. Pada akhir tahun 103.36%, respectively. At the end of 2023, the Bank performed
2023 Bank melakukan hapus buku sehingga rasio NPL Bruto dan write-offs, resulting in Gross and Net NPL ratios of 1.53% and
Neto tercatat sebesar 1,53% dan 0,35%, lebih baik dari target 0.35%, respectively, which were better than the targets of 5.26%
yang sebesar 5,26% dan 1,11%. and 1.11%.
Pencapaian Tahun 2023
2023 Achievements
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Pencapaian
Realisasi
Uraian Target Achievement Description
Realization
(%)
Aset 58.132.739 52.634.996 90,54 Asset
Kredit dan Aset Ijarah 17.378.476 17.255.664 99,29 Ijarah Credit and Asset
Dana Pihak Ketiga 48.673.000 42.146.136 86,59 Third Party Fund
CASA (%) 70,41 66,64 94,64 CASA (%)
Pendapatan Bunga 3.424.727 3.515.811 102,66 Interest Revenues
Beban Bunga 954.908 892.492 93,46 Interest Expenses
Pendapatan Operasional di Luar Bunga 951.558 926.065 97,32 Fee-Based Income
Beban Operasional di Luar Bunga 3.104.794 3.475.806 111,95 Overhead Cost
Laba Sebelum Pajak 315.037 73.578 23,36 Profit Before Tax
CAR (%) 25,23 25,34 100,43 CAR (%)
LDR (%) 31,53 40,94 129,84 LDR (%)
ROA (%) 0,62 0,15 24,19 ROA (%)
ROE (%) 3,70 1,07 28,92 ROE (%)
NIM (%) 5,45 6,26 114,86 NIM (%)
BOPO (%) 92,77 103,36 111,42 BOPO (%)
NPL Bruto (%) 5,26 1,53 29,02 Gross NPL (%)
NPL Neto (%) 1,11 0,35 31,53 Net NPL (%)
Proyeksi Tahun 2024 2024 Projection
Target kinerja Bank Sinarmas tahun 2024 adalah sebagai berikut. Bank Sinarmas's performance targets for 2024 are as follows:
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Proyeksi 2024
Uraian Description
2024 Projection
Pertumbuhan Kredit (%) 11,00-15,00 Credit Growth (%)
Pertumbuhan Simpanan Nasabah (%) 9,00-12,00 Customer Deposit Growth (%)
Net Interest Margin (%) 5,50-6,00 Net Interest Margin (%)
ROA (%) 0,30-0,50 ROA (%)
ROE (%) 2,00-3,00 ROE (%)
CAR (%) 22,00-24,00 CAR (%)
LDR (%) 33,00-34,00 LDR (%)
BOPO (%) 90,00-95,00 BOPO (%)
NPL Bruto (%) 2,00-3,00 NPL Bruto (%)
Rasio CASA (%) 76,00-77,00 CASA Ratio (%)
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Asumsi Makro dan Mikro yang Digunakan Macro and Micro Assumption Used
Bank Sinarmas menggunakan beberapa asumsi makro dan mikro Bank Sinarmas uses several macro and micro assumptions in
dalam menyusun target tahun 2024 sebagai berikut. formulating its 2024 targets as follows.
Satuan Proyeksi 2024
Uraian Description
Unit 2024 Projection
Asumsi Makro Macro Assumption
Pertumbuhan PDB % 4,8-5,5 GDP
Inflasi % 2,90 Inflation
Nilai Tukar USD/IDR Rp 15.210 Exchange Rate
Asumsi Mikro 7 Days Reverse Repo Rate
7 Days Reverse Repo Rate % 5,25 Micro Assumption
Pertumbuhan Kredit % 10-12 Credit Growth
Pertumbuhan DPK % 6-7 Third Party Fund Growth
Prospek Usaha Business Prospect
Pertumbuhan ekonomi Indonesia tahun 2024 diprakirakan The Indonesia’s economic growth in 2024 is expected to increase
meningkat dalam kisaran 4,7%-5,5% didukung oleh permintaan around 4,7%-5,5%, supported by primarily domestic demand,
domestik utamanya pertumbuhan konsumsi dan peningkatan especially consumption growth, and ongoing investment increases
investasi yang masih berlanjut seiring dengan pembangunan alongside the development of National Strategic Projects (PSN).
Proyek Strategis Nasional (PSN). Berdasarkan prediksi tersebut, Based on these predictions, it is expected that the prospects for
bahwa prospek perbaikan ekonomi nasional akan terus berlanjut. national economic improvement will continue. Improvement
Perbaikan juga akan ditopang melalui bauran kebijakan Bank will also be supported through a combination of Bank Indonesia
Indonesia. policies.
Bank Indonesia akan memfokuskan kebijakan moneter untuk Bank Indonesia will focus on monetary policies to maintain
menjaga stabilitas dan kebijakan makroprudensial untuk stability and macroprudential policies to boost economic growth,
mendorong pertumbuhan ekonomi, khususnya dari sisi particularly in term of demand. Easing macroprudential policies
permintaan. Kebijakan makroprudensial longgar terus ditempuh will continue to be pursued to encourage bank credit/financing
untuk mendorong kredit/pembiayaan perbankan kepada dunia to businesses and households. Additionally, increasing domestic
usaha dan rumah tangga. Selain itu, meningkatnya aktivitas activities will raise financing needs for both corporations and
domestik akan meningkatkan kebutuhan pembiayaan, baik households. The prospect of credit growth in 2024 is projected to
korporasi maupun rumah tangga. Prospek pertumbuhan kredit increase to 10-12% and 11-13% in 2025.
pada tahun 2024 diprakirakan akan meningkat menjadi 10-12%
dan 11-13% pada 2025.
Untuk merespons prospek usaha tersebut, pada tahun 2024, In order to respond to these business prospects, in 2024, the
Bank memusatkan strategi bisnis pada pertumbuhan bisnis Bank is focusing its business strategy on retail business growth.
ritel. Dalam mengantisipasi tantangan, memanfaatkan peluang, To anticipate challenges, seizing opportunities, and facing
serta menghadapi persaingan dalam dunia bisnis, Bank telah competition in the business sector, the Bank has formulated a
merumuskan serangkaian strategi untuk meningkatkan kinerja series of strategies to enhance its performance in that year. These
di tahun tersebut. Strategi-strategi tersebut diuraikan sebagai strategies are outlined as follows:
berikut.
1. Meningkatkan penyaluran kredit, secara prudent dengan 1. Increasing loan disbursements prudently by considering the
memperhatikan potensi, kapasitas, dan kapabilitas dari setiap potential, capacity, and capabilities of each branch to capture
cabang untuk menangkap seluruh potensi bisnis nasabah. all customer business potentials. Loan disbursements will
Penyaluran kredit akan lebih diarahkan pada kredit retail be more focused on retail credits by expanding the product
dengan memperluas range produk seperti pengembangan range such as the development of consumer credit, namely
kredit konsumer, yaitu KTA Payroll dan Kredit Pemilikan Payroll Loans and Home Ownership Loans (KPR), through
Rumah (KPR) melalui kerja sama dengan property developer. collaborations with property developers.
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2. Meningkatkan penghimpunan dana pihak ketiga (DPK). 2. Increasing third-party fund (DPK). Retail fund growth will be
Pertumbuhan dana retail akan difokuskan kepada nasabah focused on retail customers with more measured segmentation
retail dengan segmentasi yang lebih terukur untuk to provide the best offerings according to customer needs
memberikan penawaran yang terbaik sesuai dengan and risk profiles. The Bank will also continue initiatives to
kebutuhan dan profil risiko nasabah. Bank juga akan participate in enhancing financial literacy in Indonesia through
meneruskan inisiatif untuk turut serta dalam meningkatkan various events and programs, as well as attracting young
literasi keuangan Indonesia melalui berbagai acara dan customers, especially through digital channels. Meanwhile,
program, serta menarik nasabah generasi muda terutama dari corporate fund growth will be achieved by expanding
jalur digital. Sedangkan pertumbuhan dana korporasi akan customer reach through enhancing the corporate business
dilakukan dengan memperluas jangkauan nasabah melalui ecosystem at branches.
peningkatan ekosistem bisnis korporasi di cabang.
3. Meningkatkan pendapatan operasional melalui pertumbuhan 3. Increasing operating income through fee-based income
pendapatan fee based, dengan cara: growth, by:
a. Meningkatkan kegiatan cross selling dan up selling; a. Enhancing cross-selling and up-selling activities;
b. Menambah fitur-fitur internet dan mobile banking, b. Adding internet and mobile banking features through
melalui kolaborasi dengan partner strategis, seperti bill collaboration with strategic partners, such as bill payment
payment aggregator, merchant online dan offline, API aggregators, online and offline merchants, payment
pembayaran, serta kerja sama virtual account untuk APIs, and virtual account cooperation for acquisition and
akuisisi dan meningkatkan transaksi; dan increased transactions; and
c. Melakukan promosi dan/atau program lainnya sehingga c. Conducting promotions and/or other programs to
dapat meningkatkan jumlah penggunaan layanan dan increase the usage and transactions by customers.
transaksi oleh nasabah.
4. Mengoptimalkan biaya-biaya yang dikeluarkan sehingga 4. Optimizing cost incurred to increase the Bank’s profit.
dapat meningkatkan perolehan laba Bank.
Prediksi Pasar terhadap Indikator Perekonomian
Market Prediction on Economic Indicators
Riil Indikator 2024 2023 2022 Real Indicator
PDB Riil (yoy) 5,2 4,9 3,5 Real GDP (YoY)
Indeks Harga Konsumen (yoy) 3,0 4,0 1,6 Consumer Price Index (YoY)
Pengangguran (%) 5,7 5,7 6,5 Unemployment (%)
Current Account (% from
Current Account (% dari PDB) (1,3) (0,2) (0,4)
GDP)
Fiscal Balance Budget Fiscal Balance Budget (%
(1,7) (2,8) (5,5)
(% dari PDB) from GDP)
Suku Bunga Acuan Bank Bank Indonesia Interest
6,00 5,25 3,50
Indonesia (%) Rate (%)
Rupiah/US Dollar Exchange
Kurs Rupiah/Dolar AS (Rp) 15.000 14.840 14.249
Rate (Rp)
Aspek Pemasaran Marketing Aspect
Strategi Pemasaran Marketing Strategy
Di tahun 2023, Bank terus memperkuat fondasi untuk mewujudkan In 2023, the Bank continued to strengthen its foundation to
tujuan Bank Sinarmas untuk menjadi payment and transaction achieve Bank Sinarmas’s goal of becoming the most comprehensive
Bank dengan jaringan distribusi terlengkap dan terintegrasi. and integrated payment and transaction Bank network. The
Bank terus menciptakan kerja nyata dan kolaborasi dalam segala Bank continued to create tangible work and collaborations in all
aspek usahanya, dengan berfokus pada ekosistem sekeliling aspects of its business, focusing on the ecosystem surrounding
Bank. Berbagai langkah strategis, inovasi yang berkelanjutan the Bank. Various strategic steps, sustainable innovations, and the
serta peningkatan kualitas SDM juga terus dilanjutkan sepanjang continuous improvement of human resources quality were also
tahun 2023 yang didukung oleh implementasi prinsip tata kelola carried out throughout 2023, supported by the implementation of
perusahaan yang baik, untuk memperkuat landasan usaha Bank good corporate governance principles, to strengthen the business
Sinarmas di masa yang akan datang. foundation of Bank Sinarmas in the future.
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Dari segi pengumpulan dana, fokus penghimpunan dana tetap In terms of fund raising, the focus remained on increasing the
diarahkan pada peningkatan porsi dana-dana murah (CASA) proportion of low-cost funds (CASA) and raising funds from new
serta pengumpulan dana dari pertumbuhan nasabah baru. customers. The growth of fund raising, especially demand deposits
Pertumbuhan penghimpunan dana khususnya giro dan tabungan and saving deposits, is expected to be achieved by utilizing existing
diharapkan dapat diperoleh dengan memanfaatkan produk dan products and activities as well as continuous development of
aktivitas yang sudah berjalan maupun pengembangan yang terus existing products. The Bank conducts campaigns or promotions,
dilakukan atas produk-produk yang telah ada. Bank melakukan both independently and in collaboration with billers or partners,
campaign atau promosi, baik yang dilakukan sendiri maupun aimed at increasing users, usage, and fee-based income. In 2023,
yang dilakukan berdasarkan kerja sama dengan pihak biller Bank Sinarmas launched Sinarmas Prioritas service with a unique
atau mitra yang bertujuan untuk meningkatkan user, usage, proposition for affluent customers, offering attractive deals from
maupun pendapatan fee based. Bank Sinarmas di tahun 2023 Bank Sinarmas partners. In the future, the Bank will continue to
meluncurkan pelayanan Sinarmas Prioritas dengan preposition focus on providing attractive offers to customers through a variety
unik untuk nasabah-nasabah affluent dengan penawaran menarik of competitive services and products. The Bank also participates
dari partner kerja sama Bank Sinarmas. Ke depannya, Bank akan in the development of digital banking by issuing digital savings
meneruskan fokus untuk menyediakan penawaran menarik bagi accounts and promoting the use of digital channels for customer
nasabah melalui variasi layanan dan produk yang kompetitif. Bank transactions.
juga ikut serta dalam perkembangan perbankan digital dengan
menerbitkan tabungan digital serta menggalakkan penggunaan
channel digital untuk transaksi nasabah.
Bank juga terus mengembangkan produk dan layanan The Bank also continues to develop products and services to
dalam rangka menyediakan jasa financial solution dengan provide financial solutions by considering the customer life
mempertimbangkan customer life cycle dan kebutuhan nasabah cycle and needs through all existing touchpoint channels and
melalui layanan seluruh channel touch point yang ada serta collaborating (co-branding) with several partners who have wide
melakukan kerja sama (co-branding) dengan beberapa partner and well-known networks. This is one of the strategies to increase
yang telah memiliki jaringan luas dan ternama. Hal ini menjadi the equity value of Bank Sinarmas and its partners.
salah satu strategi untuk meningkatkan nilai ekuitas Bank
Sinarmas dan partner.
Sedangkan dari segi pembiayaan diarahkan pada penyaluran In term of financing, the focus is on disbursing loans with Supply
kredit dengan skema Supply Chain Financing (SCF) atau fasilitas Chain Financing (SCF) schemes or Working Capital Loan (KMK)
Kredit Modal Kerja (KMK) kepada satu mata rantai bisnis, kredit facilities to one business chain, productive loans secured by fixed
produktif beragunan fixed asset penyaluran Kredit Tanpa Agunan assets, disbursement of Unsecured Loans to company employees
kepada karyawan perusahaan yang telah bekerja sama untuk who have collaborated for payroll payments through Bank
pembayaran payroll melalui Bank Sinarmas, memaksimalkan Sinarmas, maximizing loan disbursements to MSMEs through
penyaluran kredit kepada pelaku-pelaku UMKM melalui produk the People’s Business Credit (KUR) program and productive
program Kredit Usaha Rakyat (KUR) dan kredit produktif Simas KUK loans secured by fixed assets under the Simas KUK program.
beragunan fixed asset. Selain itu Bank juga melakukan kemitraan Additionally, the Bank also partners with Financial Technology
dengan perusahaan Financial Technology dalam rangka melakukan companies to increase disbursement of consumer credits and
meningkatkan penyaluran kredit konsumtif dan kredit produktif. productive credits.
Bank melakukan penguatan serta perbaikan proses pemantauan The Bank strengthens and improves the credit quality monitoring
kualitas kredit, closed monitoring melalui call report, dan process, conducting closed monitoring through call reports,
memberikan langkah penanganan (restrukturisasi) secara efektif and effectively providing measures (restructuring) to debtors
kepada debitur yang mengalami penurunan usahanya disesuaikan experiencing business downturns adjusted to their business
dengan kondisi dan prospek usaha, serta kapasitasnya. conditions, prospects, and capacities.
Dalam rangka meningkatkan pertumbuhan pendapatan berbasis In order to increase fee-based income growth, the Bank is actively
fee, Bank aktif dalam aktivitas cross dan up-selling untuk engaged in cross and up-selling activities for bancassurance,
produk bancassurance, reksadana, maupun produk treasury mutual funds, and treasury products across all branch networks.
di seluruh jaringan kantor, Bank juga meningkatkan akses The Bank also enhances marketing channel access through
channel pemasaran lewat mobile banking serta internet banking mobile banking and internet banking to provide ease in banking
agar memberikan kemudahan transaksi perbankan saat ini. transactions. The convenience of transaction access through
Kemudahan akses transaksi lewat seluruh touch point e-channel all e-channel touchpoints and branch networks has increased
maupun jaringan kantor telah meningkatkan transaksi nasabah customer transactions via ATM/CRM networks, EDC machines, and
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lewat jaringan ATM/CRM, mesin EDC, serta QRIS, yang dilakukan QRIS, facilitated through mobile banking and internet banking.
lewat mobile banking dan internet banking. Dengan sinergi Through synergy between promotional programs, education,
antara program promosi, edukasi dan gathering dengan nasabah, and customer gatherings, the Bank supports the increase in users
mendukung peningkatan user dan usage terhadap produk dan and usage of Bank products and services, as well as enhancing
layanan Bank serta meningkatkan jumlah dan produktivitas the number and productivity of salespersons through integrated
tenaga penjual melalui program pengembangan terpadu dan development programs and providing regular training on products
memberikan pelatihan secara berkala mengenai produk untuk to enhance competence and motivation.
meningkatkan kompetensi dan motivasi.
Pangsa Pasar Bank Sinarmas
Bank Sinarmas Market Share
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
2023 2022
Uraian Pangsa Pasar Pangsa Pasar
Description Bank Sinarmas KBMI II Market Share Bank Sinarmas KBMI II Market Share
(%) (%)
Kredit Gross
17.256 834.792 2,07 15.899 703.766 2,26
Gross Credit
Dana Pihak Ketiga
42.146 989.283 4,26 38.714 888.107 4,36
Third Party Fund
Aset
52.635 1.558.864 3,38 47.351 1.352.427 3,50
Asset
Dividen Dividend
Kebijakan Dividen Dividend Policy
Anggaran Dasar Bank Sinarmas Tbk dan peraturan perundang- The Articles of Association of Bank Sinarmas Tbk. and applicable
undangan yang berlaku mencantumkan ketentuan kesetaraan laws and regulations include provisions on share equality. All
saham. Seluruh saham Bank yang telah ditempatkan, termasuk shares of the Bank that have been issued, including new shares to
saham baru yang akan dikeluarkan dalam rangka Penawaran be issued in a Public Offering, have the same rights and privileges
Umum, memiliki hak yang sama dan sederajat dalam segala in all respects with existing Shareholders, including the right to
hal dengan Pemegang Saham lama termasuk hak atas dividen. dividends. In the distribution of dividends, the Bank does not have
Dalam rangka pembagian dividen, Bank tidak memiliki negative negative covenants regarding third-party restrictions.
covenants sehubungan dengan pembatasan pihak ketiga.
Bank juga wajib memperhatikan CAR setelah memperhitungkan The Bank is also obliged to consider the CAR (Capital Adequacy
risiko pasar, risiko kredit, dan risiko operasional mencapai ≥20%, Ratio) after considering market risk, credit risk, and operational risk
serta kondisi likuiditas tahun berjalan. Besaran dividen tunai akan reaching ≥20%, as well as the current year’s liquidity conditions.
disesuaikan dengan keuntungan yang diperoleh Bank pada tahun The amount of cash dividends will be adjusted based on the
buku bersangkutan, dengan tidak mengurangi hak dari Rapat profits earned by the Bank in the respective fiscal year, without
Umum Pemegang Saham (RUPS) untuk menentukan lain sesuai prejudice to the right of the General Meeting of Shareholders
dengan ketentuan Anggaran Dasar Perseroan. Dividen yang (GMS) to determine otherwise in accordance with the provisions
diterima oleh para Pemegang Saham yang bukan merupakan of the Company’s Articles of Association. Dividends received by
Warga Negara Indonesia (WNI) akan dikenakan pajak sesuai Shareholders who are not Indonesian citizens (non-WNI) will be
dengan peraturan yang berlaku di Indonesia. subject to tax according to the prevailing regulations in Indonesia.
Realisasi Dividen Dividend Realization
Sesuai keputusan RUPS Tahunan 2022 tanggal 14 Juni 2022 dan According to the 2022 Annual GMS resolution dated June 14,
RUPS Tahunan 2023 tanggal 27 Juni 2023, Bank Sinarmas tidak 2022, and the 2023 Annual GMS dated June 27, 2023, Bank
melakukan pembagian dividen. Hal ini dikarenakan laba bersih Bank Sinarmas did not distribute dividends. This is because the net
Sinarmas untuk tahun buku 2021 dan 2022 dibukukan sebagai profit of Bank Sinarmas for the fiscal years 2021 and 2022 was
laba ditahan dalam rangka memperkuat posisi permodalan Bank. recorded as retained earnings to strengthen the Bank’s capital.
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Program Kepemilikan Saham oleh Karyawan Employee and/or Management Share
dan/atau Manajemen (ESOP/MSOP) Ownership Program (ESOP/MSOP)
Hingga akhir tahun buku 2023, Bank Sinarmas tidak menjalankan Until the end of the fiscal year 2023, Bank Sinarmas did not
program kepemilikan saham oleh karyawan dan/atau manajemen implement an Employee Stock Ownership Program (ESOP) or
(ESOP/MSOP). Oleh karena itu. Bank tidak mengungkapkan Management Stock Ownership Program (MSOP). Therefore, the
informasi ini. Bank did not disclose this information.
Penggunaan Dana Hasil Penawaran Umum Utilization of Proceeds from Public Offering
Pada tahun 2023, Bank Sinarmas memiliki kewajiban atas In 2023, Bank Sinarmas had obligations regarding reporting
pelaporan penggunaan dana hasil Penawaran Umum Terbatas the use of proceeds from the Limited Public Offering II and the
II dan Penawaran Umum Berkelanjutan Obligasi Subordinasi I Continuing Public Offering of Subordinated Bonds I. The report
Tahap I. Laporan tersebut telah disampaikan kepada Otoritas Jasa has been submitted to the Financial Services Authority (OJK) in
Keuangan sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. accordance with the provisions of Financial Services Authority
30/POJK.04/2015 tentang Laporan Realisasi Penggunaan Dana Regulation No. 30/POJK.04/2015 on Reports on the Utilization
Hasil Penawaran Umum. Informasi terkait realisasi pelaksanaan of Proceeds from Public Offerings. Information related to the
penawaran umum diungkapkan sebagai berikut. realization of the public offering implementation is disclosed as
follows.
dalam Rp / in Rp
Penawaran Umum Terbatas II
Keterangan Description
Limited Public Offering II
Jumlah Hasil Penawaran Umum 435.709.614.800,00 Total Proceeds from the Rights Issue
Biaya Emisi 5.285.225.170,63 Issuance Costs
Rencana Penggunaan 430.424.389.629,37 Utilization Plan
Realisasi Penggunaan Dana Realization of the Use of Proceeds
- Alokasi Modal Inti 104.182.890.971,26 Core Capital Allocation -
- Modal Kerja 326.241.498.658,12 Working Capital -
Sisa Dana - Remaining Proceeds
dalam Rp / in Rp
Penawaran Umum Berkelanjutan Obligasi
Subordinasi I Tahap I
Keterangan Description
Continuing Public Offering of Subordinated
Bond I
Jumlah Hasil Penawaran Umum 500.000.000.000 Total Proceeds from the Rights Issue
Biaya Emisi 5.126.257.800,37 Issuance Costs
Rencana Penggunaan 494.873.742.199,63 Utilization Plan
Realisasi Penggunaan Dana Realization of the Use of Proceeds
- Penyaluran Kredit dengan Tenor Panjang 494.873.742.199,63 Disbursement of Long-term Credit -
Sisa Dana - Remaining Proceeds
Informasi Material terkait dengan Material Information Related to Investment,
Investasi, Ekspansi, Divestasi, Akuisisi, dan Expansion, Divestment, Acquisition, and
Restrukturisasi Restructuring
Selama tahun 2023, Bank Sinarmas tidak memiliki transaksi Throughout 2023, Bank Sinarmas did not have any transactions
atau aktivitas terkait investasi, ekspansi, divestasi dan akuisisi or activities related to investment, expansion, divestment, and
dengan nilai yang material. Bank juga tidak melakukan transaksi acquisitions with material value. The Bank also did not engage in
restrukturisasi utang dan/atau restrukturisasi modal. debt restructuring and/or capital restructuring transactions.
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Transaksi Material yang Mengandung Benturan Material Transactions that Contain Conflict of
Kepentingan dan/atau Transaksi dengan Pihak Interest and/or Transactions with Affiliated/
Afiliasi/Berelasi Related Parties
Nama dan Sifat Hubungan Berelasi Name and Nature of the Related Parties
Bank Sinarmas memiliki relasi dengan perusahaan-perusahaan Bank Sinarmas has relationships with companies within the Sinar
yang berada dalam Grup Sinar Mas selain karyawan kunci: Mas Group other than key employees:
1. Pemegang Saham (termasuk Pemegang Saham Akhir) Bank, 1. Shareholders (including Ultimate Shareholders) of the Bank,
PT Sinarmas Multiartha Tbk dan PT Shinta Utama; PT Sinarmas Multiartha Tbk, and PT Shinta Utama;
2. Perusahaan-perusahaan yang dimiliki secara langsung atau 2. Companies directly or indirectly owned by the Shareholders of
tidak langsung oleh Pemegang Saham Bank; dan the Bank; and
3. Perusahaan-perusahaan yang dikendalikan oleh anggota 3. Companies controlled by close family members of the
keluarga dekat Pemegang Saham dan manajemen kunci Shareholders and key management of the Bank.
Bank.
Realisasi Transaksi dengan Pihak Berelasi Tahun 2023
Realization of Transaction with Related Parties in 2023
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
2023 2022
Persentase terhadap Persentase terhadap
Jumlah Jumlah
Jumlah Aset/Liabilitas/ Jumlah Aset/Liabilitas/
(jutaan (jutaan
Uraian Dana Syirkah Temporer Dana Syirkah Temporer Description
Rupiah) Rupiah)
Percentage to total Percentage to total
Total Total
assets/ liabilities/ assets/ liabilities/
(Rp (Rp
temporary syirkah funds temporary syirkah funds
million) million)
(%) (%)
Aset
Efek-Efek 1.140.803 2,17 515.194 1,09 Securities
Kredit 211.039 0,40 776.034 1,64 Loan
Pendapatan yang Masih 212 0,00 471 0,00 Accrued Income
Akan Diterima
Biaya Dibayar Dimuka 400 0,00 656 0,00 Prepaid Expense
Aset Lain-lain 39.103 0,07 41.999 0,09 Other Assets
Liabilitas Liability
Liabilitas Segera 1.535 0,00 2.024 0,01 Liability Immediately
Payable
Simpanan 5.918.217 15,66 3.882.425 11,57 Deposits
Beban yang Masih Harus 1.802 0,00 720 0,00 Accrued Expense
Dibayar
Dana Syirkah Temporer Temporary Syirkah Fund
Simpanan 899.014 12,81 1.373.729 21,07 Deposit
Perubahan Perundang-Undangan yang Amendments to Laws and Regulations that
Berpengaruh Signifikan Had Significant Impacts on the Company in
Terhadap Perusahaan 2023 2023
Regulator mengeluarkan peraturan perundang-undangan yang The regulator has issued laws and regulations that has a significant
memiliki dampak signifikan pada operasional Bank Sinarmas. impact on the operations of Bank Sinarmas. Explanations
Penjelasan tentang perubahan peraturan perundang-undangan regarding the amendments to laws and regulations are outlined
tersebut diuraikan dalam tabel berikut. in the following table.
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Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Follow-up from Bank Sinarmas
1. Peraturan Otoritas Jasa Keuangan No. 3 Tahun 2023 tentang Bank Sinarmas telah menindaklanjuti sebagai berikut.
Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa 1. Melaksanakan kegiatan untuk meningkatkan Literasi Keuangan kepada
Keuangan bagi Konsumen dan Masyarakat Konsumen dan/atau masyarakat paling sedikit 1 kali dalam 1 semester serta
mendokumentasikan pelaksanaannya (foto/video).
2. Memiliki pedoman tertulis mengenai Literasi dan Inklusi Keuangan.
3. Produk dan/atau layanan yang bersifat sederhana yang merupakan program
pemerintah atau otoritas, seperti Produk Laku Pandai, Kredit Usaha Rakyat
(KUR), Simpanan Pelajar (SimPel/SimPel iB/SimPel BSA), Simpanan Mahasiswa
dan Pemuda (SiMuda), dan/atau Kredit/Pembiayaan Melawan Rentenir (K/
PMR), maka Bank wajib:
a. Menyampaikan informasi mengenai produk dan/atau layanan tersebut
kepada calon konsumen sesuai dengan segmentasi dan target yang
ditetapkan, contohnya dengan cara menempelkan stiker berupa informasi
mengenai produk dan/atau layanan sederhana pada kantor cabang yang
menyediakan produk dan/atau layanan tersebut; dan
b. Menerima dan melakukan proses penelaahan terhadap kelayakan calon
konsumen atas pengajuan pemanfaatan produk dan/atau layanan tersebut
dengan memerhatikan ketentuan peraturan perundang-undangan.
4. Memiliki mekanisme pelaporan kepada Direksi untuk pemenuhan kepatuhan
Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan bagi
Konsumen dan Masyarakat.
5. Menyampaikan laporan kegiatan Literasi dan Inklusi Keuangan kepada
Otoritas Jasa Keuangan.
6. Publikasi kegiatan untuk meningkatkan Literasi dan Inklusi Keuangan pada
Laporan Tahunan Bank.
Financial Services Authority Regulation No. 3 of 2023 on the Bank Sinarmas has followed up as follows.
Enhancement of Financial Literacy and Inclusion in the Financial 1. Conducting activities to enhance Financial Literacy for Consumers and/
Services Sector for Consumers and Society or the community at least once every semester and documenting the
implementation (photos/videos).
2. Writing guidelines on Financial Literacy and Inclusion.
3. For products and/or services that are simple and are government or authority
programs, such as Laku Pandai, People's Business Credit (KUR), Student
Savings (SimPel/SimPel iB/SimPel BSA), Student and Youth Savings (SiMuda),
and/or Credit/Financing Against Loan Sharks (K/PMR), the Bank is obliged to:
a. Providing information about such products and/or services to prospective
consumers according to the designated segmentation and targets, for
example, by affixing stickers containing information about simple products
and/or services at branch offices that provide such products and/or services;
and;
b. Receiving and reviewing the eligibility of prospective consumers for using
such products and/or services, considering the provisions of laws and
regulations.
4. Having a reporting mechanism to the Board of Directors for compliance with
the Enhancement of Financial Literacy and Inclusion in the Financial Services
Sector for Consumers and Society.
5. Submitting reports on Financial Literacy and Inclusion activities to the
Financial Services Authority.
6. Publishing activities to enhance Financial Literacy and Inclusion in the Bank's
Annual Report.
2. Peraturan Otoritas Jasa Keuangan Republik Indonesia Bank Sinarmas telah menindaklanjuti sebagai berikut.
No. 8 Tahun 2023 tentang Penerapan Program Anti Pencucian 1. Melakukan penyesuaian Kebijakan dan Standar Operasional Prosedur (SOP)
Uang (APU), Pencegahan Pendanaan Terorisme (PPT), dan APU-PPT dan PPPSPM untuk Bank Umum serta termasuk Bank Kustodian dan
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal Wali Amanat.
(PPPSPM) di Sektor Jasa Keuangan 2. Melakukan pendaftaran SIGAP OJK bagi Wali Amanat untuk kewajiban
pelaporan Daftar Terduga Terorisme dan Organisasi Terorisme (DTTOT) dan
Daftar Nama Terduga Pelaku Pendanaan Proliferasi Senjata Pemusnah Massal
(DPPSPM) dan telah menyampaikan laporan rencana pengkinian data bagi
Wali Amanat kepada Otoritas Jasa Keuangan.
3. Melakukan penyusunan Laporan Individual Risk Assessment (IRA) dan
melaporkannya ke Otoritas Jasa Keuangan paling lambat bulan Juni 2024.
4. Memastikan profesi penunjang telah terdaftar pada GoAML dan telah
tercantum dalam SOP Legal.
5. Melakukan refreshment APU-PPT dan PPPSPM melalui e-learning.
6. Melakukan sosialisasi perubahan Peraturan Otoritas Jasa Keuangan APU PPT
& PPPSPM kepada unit kerja terkait.
7. Bank telah menyesuaikan penamaan unit kerja yang sebelumnya Divisi AML
& CTF menjadi Divisi APU, PPT & PPPSPM.
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Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Follow-up from Bank Sinarmas
Financial Services Authority Regulation No. 8 of 2023 on the Bank Sinarmas has followed up as follows.
Implementation of Anti-Money Laundering (AML), Counter- 1. Adjusting the Anti-Money Laundering (AML), Counter-Terrorist Financing
Terrorist Financing (CTF), and Counter-Proliferation Financing (CTF), and Counter-Proliferation Financing of Weapons of Mass Destruction
of Weapons of Mass Destruction (CPF) Programs in the Financial (CPF) Policies and Standard Operating Procedures (SOP) for Commercial
Services Sector. Banks, including Custodian Banks and Trustee Banks.
2. Registering with OJK's SIGAP system for Trustee Banks for the obligation of
reporting the List of Suspected Terrorists and Terrorist Organizations (DTTOT)
and the List of Suspected Individuals Financing the Proliferation of Weapons
of Mass Destruction (DPPSPM) and submitting a data update plan report for
Trustee Banks to the Financial Services Authority.
3. Compiling Individual Risk Assessment (IRA) Reports and submitting them to
the Financial Services Authority no later than June 2024.
4. Ensuring that supporting professions are registered on GoAML and listed in
the Legal SOP.
5. Conducting AML-CTF and CPF refreshment training through e-learning.
6. Conducting dissemination of changes to the Financial Services Authority
Regulations on AML, CTF & CPF to relevant units.
7. The Bank has adjusted the naming of units previously known as the AML &
CTF Division to the AML, CTF & CPF Division.
3. Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2023 tentang Bank Sinarmas melakukan pemisahan Unit Usaha Syariah dimulai dari
Unit Usaha Syariah pembukaan, kepengurusan, jaringan kantor, sampai dengan pencabutan izin
usaha UUS atas permintaan Bank Umum Konvensional berdasarkan Peraturan
Otoritas Jasa Keuangan Unit Usaha Syariah.
Financial Services Authority Regulation No. 12 of 2023 on Sharia Bank Sinarmas initiates the spin-off of its Sharia Business Unit starting from
Business Unit its establishment, management, branch networks, up to the revocation of the
Sharia Business Unit's license at the request of the Conventional Commercial
Bank based on the Financial Services Authority's Regulation on Sharia Business
Units.
4. Peraturan Otoritas Jasa Keuangan No. 16 Tahun 2023 tentang Bank Sinarmas memiliki kewajiban sebagai berikut.
Penyidikan Tindak Pidana di Sektor Jasa Keuangan 1. Memberikan permintaan dari penyidik Otoritas Jasa Keuangan dalam hal
penyidik meminta keterangan dari pihak Bank.
2. Melakukan pemblokiran atas rekening dari orang yang diduga/terlibat Tindak
Pidana yang diminta oleh penyidik Otoritas Jasa Keuangan.
Bank Sinarmas telah memiliki ketentuan internal yang mengatur mengenai
pemblokiran rekening.
Financial Services Authority Regulation No. 16 of 2023 on Bank Sinarmas has the following obligations:
Criminal Investigation in Financial Services Sector 1. Complying with requests from Financial Services Authority investigators
when they request information from the Bank.
2. Implementing account blocking for individuals suspected or involved in
Criminal Activities as requested by Financial Services Authority investigators.
Bank Sinarmas already has internal regulations governing account blocking.
5. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Bank Sinarmas menindaklanjuti sebagai berikut.
Penerapan Tata Kelola Bagi Bank Umum 1. Melakukan pengkinian atas Kebijakan Tata Kelola Perusahaan (Good
Corporate Governance).
2. Melakukan pengkinian Pedoman dan tata tertib kerja Direksi dan Dewan
Komisaris.
3. Melakukan pengkinian pedoman dan tata tertib kerja komite untuk Komite
Direksi dan Komite Dewan Komisaris.
4. Menerapkan program APU-PPT dan PPPSPM dalam melaksanakan kegiatan
usaha, Penerapan program APU-PPT dan PPPSPM, mencakup pencegahan
dan penanganan agar kegiatan usaha Bank tidak dimanfaatkan dalam
aktivitas yang terkait dengan tindak pidana.
5. Memiliki kebijakan dan prosedur untuk mengidentifikasi dan mengelola aset
bermasalah, klasifikasi aset, perhitungan terkait penyisihan dan pencadangan,
dan hapus buku aset yang tertuang dalam SK Susunan Anggota dan Komite
Penyelesaian Kredit/Pembiayaan Bermasalah (KPKB) dan SOP Hapus Buku.
6. Memiliki unit kerja atau fungsi yang bertugas menangani penerapan strategi
antifraud dalam organisasi Bank.
7. Menerapkan prinsip-prinsip keuangan berkelanjutan dalam penyelenggaraan
produk dan aktivitas Bank serta telah menyusun rencana aksi keuangan
berkelanjutan secara berkala.
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Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Follow-up from Bank Sinarmas
Financial Services Authority Regulation No.17 of 2023 on the Bank Sinar mas has followed up as follows.
Implementation of Good Corporate Governance for Commercial 1. Updating the Good Corporate Governance Policy.
Banks 2. Updating the Charter and Code of Conducts for the Board of Directors and
the Board of Commissioners.
3. Updating the charter and Code of Conducts for committees for both the
Board of Directors and the Board of Commissioners.
4. Implementing AML, CTF, and CPF programs in conducting business activities.
The implementation covers prevention and handling to ensure that the
Bank's business activities are not exploited in criminal activities.
5. Preparing policies and procedures to identify and manage problematic assets,
asset classification, related provisioning calculations, and asset write-off as
outlined in the Decision Letter of the composition of members and committee
of the Non-Performing Loan/Financing Resolution (KPKB) and Write-off SOP.
6. Establishing a department or function responsible for implementing anti-
fraud strategies within the Bank's organization.
7. Implementing sustainable finance principles in the provision of Bank products
and activities and having periodically prepared sustainable finance action
plans.
6. Peraturan Otoritas Jasa Keuangan No. 21 Tahun 2023 tentang Bank Sinarmas melakukan pengembangan dan inovasi dalam memberikan
Layanan Digital oleh Bank Umum layanan digital sehingga Bank Sinarmas dapat memenuhi ekspektasi nasabah
dan/atau calon nasabah terhadap layanan Bank Sinarmas.
Financial Services Authority Regulation No. 21 of 2023 on Digital Bank Sinarmas is engaging in development and innovation to provide digital
Services by Commercial Banks services, ensuring it meets the expectations of both current and potential
customers regarding Bank Sinarmas' services.
7. Surat Edaran Otoritas Jasa Keuangan No. 29/SEOJK.03/2022 Bank Sinarmas telah mengidentifikasi risiko-risiko inheren terkait keamanan siber
tentang Ketahanan dan Keamanan Siber bagi Bank Umum dan menerapkan proses manajemen risiko terkait keamanan siber. Diharapkan
keamanan dan ketahanan siber Bank Sinarmas dapat selalu terjaga dan dapat
meningkatkan kepercayaan nasabah.
Financial Services Authority Circular No. 29/SEOJK.03/2022 on Bank Sinarmas has identified inherent risks related to cybersecurity and
Cyber Resilience and Security for Commercial Banks implemented risk management processes related to cybersecurity. It is expected
that the cybersecurity and resilience of Bank Sinarmas will always be maintained
and can enhance customer trust.
8. Surat Edaran Otoritas Jasa Keuangan No. 24/SEOJK.03/2023 Bank Sinarmas menjadikan ketentuan Penilaian Tingkat Maturitas Digital Bank
tentang Penilaian Tingkat Maturitas Digital Bank Umum Umum sebagai berikut.
1. Sebagai panduan dalam meningkatkan kematangan dalam penyelenggaraan
TI.
2. Membantu dalam menentukan, menilai, dan mengevaluasi tingkat digitalisasi
Bank Sinarmas, sehingga dapat diketahui kondisi digitalisasi Bank Sinarmas
saat ini.
3. Membantu dan memastikan bahwa Bank Sinarmas mengetahui keandalan
infrastruktur TI serta memandu Bank Sinarmas dalam menjalankan manajemen
pengelolaan infrastruktur TI.
Financial Services Authority Circular No. 24/SEOJK.03/2023 on Bank Sinarmas adopts the provisions of the Assessment of the Level of Digital
the Assessment of the Level of Digital Maturity of Commercial Maturity of Commercial Banks as follows:
Banks 1. As a guideline to enhance maturity in IT implementation.
2. Assisting in determining, assessing, and evaluating the level of digitization of
Bank Sinarmas, thus understanding the current state of digitization within
Bank Sinarmas.
3. Assisting and ensuring that Bank Sinarmas is aware of the reliability of its IT
infrastructure and guiding Bank Sinarmas in implementing IT infrastructure
management.
9. Peraturan Bank Indonesia No. 3 Tahun 2023 tentang Pelindungan Bank Sinarmas telah memiliki Unit/Fungsi yang menangani Pelindungan
Konsumen Bank Indonesia Konsumen dan pedoman tertulis pelindungan konsumen.
Bank Indonesia Regulation No. 3 of 2023 on Protection for Bank Bank Sinarmas has established a Unit/Function to handle Consumer Protection
Indonesia Consumer along with written consumer protection guidelines.
10. Peraturan Bank Indonesia No. 6 Tahun 2023 tentang Pasar Uang Bank Sinarmas telah melakukan penyesuaian sebagai berikut.
dan Pasar Valuta Asing 1. Melakukan penyesuaian prosedur internal yang mengatur bahwa treasury
dealer harus menaati kode etik pasar.
2. Treasury dealer dari pelaku transaksi Pasar Uang dan/atau transaksi Pasar
Valuta Asing wajib terdaftar di Bank Indonesia.
3. Bank Sinarmas sebagai Pelaku Usaha Sektor Keuangan yang Bergerak di
Pasar Uang dan/atau Pasar Valuta Asing (PUSK PUVA) wajib menerapkan
prinsip tata kelola yang baik.
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Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Follow-up from Bank Sinarmas
Bank Indonesia Regulation No. 6 of 2023 on Money Market and Bank Sinarmas has made adjustments as follows:
Foreign Exchange Market 1. Adjusting internal procedures to ensure that treasury dealers adhere to
market code of ethics.
2. Treasury dealers involved in Money Market and/or Foreign Exchange
transactions must be registered with Bank Indonesia.
3. Bank Sinarmas, as a Financial Sector Business Entity operating in the Money
Market and/or Foreign Exchange Market (PUSK PUVA), is required to
implement good governance principles.
11. Peraturan Bank Indonesia No. 7 Tahun 2023 dan Peraturan Bank Sinarmas telah memiliki ketentuan internal terkait Ketentuan Pemberian
Anggota Dewan Gubernur No. 4 Tahun 2023 tentang Devisa Fasilitas Kredit Atas Pemanfaatan Instrumen Penempatan Devisa Hasil Ekspor
Hasil Ekspor Dan Devisa Pembayaran Impor Sumber Daya Alam (DHE SDA).
Bank Indonesia Regulation No. 7 of 2023 and Member of the Bank Sinarmas has internal regulations regarding the Provision of Credit Facilities
Board of Governors Regulation No. 4 of 2023 on Export Proceeds for the Utilization of Export Proceeds Natural Resource Placement Instruments
and Import Payment Foreign Exchange (DHE SDA).
12. Peraturan Bank Indonesia No. 11 Tahun 2023 tentang Kebijakan Bank Sinarmas melakukan penyesuaian terhadap perhitungan GWM rata-rata
Insentif Likuiditas Makroprudensial dan Peraturan Anggota sesuai dengan informasi insentif yang diterima Bank dari Bank Indonesia.
Dewan Gubernur No. 11 Tahun 2023 tentang Peraturan
Pelaksanaan Kebijakan Insentif Likuiditas Makroprudensial
Bank Indonesia Regulation No. 11 of 2023 on Macroprudential Bank Sinarmas has adjusted the calculation of the average Statutory Reserves
Liquidity Incentive Policy and Member of the Board of Governors (GWM) in accordance with the incentive information received by the Bank from
Regulation No. 11 of 2023 on the Implementation Regulations of Bank Indonesia.
Macroprudential Liquidity Incentive Policy
13. Peraturan Anggota Dewan Gubernur No. 1 Tahun 2023 tentang Bank Sinarmas melakukan penyesuaian terhadap perhitungan GWM rata-rata
Perubahan Kedua atas Peraturan Anggota Dewan Gubernur No. sesuai dengan informasi insentif yang diterima Bank dari Bank Indonesia.
24/4/PADG/2022 tentang Peraturan Pelaksanaan Insentif bagi
Bank yang memberikan penyedia Dana untuk Kegiatan Ekonomi
Tertentu dan Inklusif
Member of the Board of Governors Regulation No. 1 of 2023 on Bank Sinarmas adjusts the calculation of the average GWM in accordance with
the Second Amendment to Member of the Board of Governors the incentive information received from Bank Indonesia.
Regulation No. 24/4/PADG/2022 on the Implementation
Regulation of Incentives for Banks Providing Funds for Certain
and Inclusive Economic Activities
14. Peraturan Anggota Dewan Gubernur No. 2 Tahun 2023 tentang Bank Sinarmas melakukan penyesuaian perhitungan Giro Wajib Minimum
Perubahan atas Peraturan Anggota Dewan Gubernur No. 24/8/ sesuai dengan besaran tertentu dari pemenuhan kewajiban Giro Wajib
PADG/2022 tentang Peraturan Pelaksanaan Pemenuhan Giro Minimum (GWM) dalam rupiah yang diberikan remunerasi/pemberian setelah
Wajib Minimum dalam Rupiah dan Valuta Asing bagi Bank Umum mempertimbangkan insentif dalam rangka kebijakan makroprudensial.
Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah
Member of the Board of Governors Regulation No. 2 of 2023 Bank Sinarmas adjusts the calculation of the Statutory Reserves (GWM) based on
on the Amendment to Member of the Board of Governors a certain amount of GWM compliance in rupiah, which is given as remuneration/
Regulation No. 24/8/PADG/2022 on the Implementation compensation after considering incentives in the context of macroprudential
Regulation of Minimum Statutory Reserves Fulfillment in Rupiah policy.
and Foreign Currency for Conventional Commercial Banks,
Sharia Commercial Banks, and Sharia Business Units
15. Peraturan Anggota Dewan Gubernur No. 5 Tahun 2023 tentang Bank Sinarmas menindaklanjuti sebagai berikut.
Perubahan Kedua atas Peraturan Anggota Dewan Gubernur No. 1. Perubahan laporan berupa penyesuaian laporan pendukung dalam Laporan
21/28/PADG/2019 tentang Pemantauan Kegiatan Lalu Lintas LLD Bank.
Devisa (LLD) Bank dan Nasabah 2. Penyesuaian ketentuan terkait cara pelaporan transaksi LLD sampai dengan
USD10.000 (sepuluh ribu US Dollar) yang dapat dilaporkan secara gabungan.
3. Penambahan pengaturan bahwa penyesuaian laporan akan disampaikan
dalam sistem pelaporan Bank Indonesia.
Member of the Board of Governors Regulation No. 5 of 2023 on Bank Sinarmas follows up as follows.
the Second Amendment to Member of the Board of Governors 1. Changes to the report in the form of the adjustments to supporting
Regulation No. 21/28/PADG/2019 on the Monitoring of Bank documents in the Bank's LLD Report.
and Customer Foreign Exchange Traffic Activities 2. Adjustments to provisions regarding the reporting method for LLD
transactions up to USD10,000 (ten thousand US Dollars), which can be
reported collectively.
3. Addition of provisions that adjustments to reports will be submitted through
the Bank Indonesia reporting system.
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Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Follow-up from Bank Sinarmas
16. Peraturan Anggota Dewan Gubernur No. 10 Tahun 2023 Bank Sinarmas telah menyesuaikan perhitungan Rasio Intermediasi
tentang Perubahan Keenam atas Peraturan Anggota Dewan Makroprudensial dan Penyangga Likuiditas Makroprudensial dengan
Gubernur No. 21/22/PADG/2019 tentang Rasio Intermediasi menambahkan instrumen Sekuritas Rupiah Bank Indonesia (SBRI).
Makroprudensial dan Penyangga Likuiditas Makroprudensial
bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit
Usaha Syariah
Member of the Board of Governors Regulation No. 10 of 2023 Bank Sinarmas has adjusted the calculation of the Macroprudential
on the Sixth Amendment to Member of the Board of Governors Intermediation Ratio and Macroprudential Liquidity Buffer by adding Bank
Regulation No. 21/22/PADG/2019 on the Macroprudential Indonesia Rupiah Securities (SBRI) instruments
Intermediation Ratio and Macroprudential Liquidity Buffer for
Conventional Commercial Banks, Sharia Commercial Banks, and
Sharia Business Units
17. Peraturan Anggota Dewan Gubernur No. 12 Tahun 2023 Bank Sinarmas melakukan penyesuaian perhitungan Giro Wajib Minimum
tentang Perubahan Kedua atas Peraturan Anggota Dewan sesuai dengan besaran tertentu dari pemenuhan kewajiban Giro Wajib
Gubernur No. 24/8/PADG/2023 tentang Peraturan Pelaksanaan Minimum (GWM) dalam rupiah yang diberikan remunerasi/pemberian setelah
Pemenuhan Giro Wajib Minimum dalam Rupiah dan Valuta Asing mempertimbangkan insentif yang diberikan oleh Bank Indonesia dalam rangka
bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit kebijakan makroprudensial.
Usaha Syariah
Member of the Board of Governors Regulation No. 12 of 2023 on Bank Sinarmas adjusts the calculation of the Statutory Reserves (GWM) based
the Second Amendment to Member of the Board of Governors on a certain amount of GWM compliance in rupiah, which is provided as
Regulation No. 24/8/PADG/2023 on the Implementation remuneration/compensation after considering the incentives provided by Bank
Regulation of Minimum Statutory Reserves Fulfillment in Rupiah Indonesia as the macroprudential policy.
and Foreign Currency for Conventional Commercial Banks,
Sharia Commercial Banks, and Sharia Business Units
18. Peraturan Anggota Dewan Gubernur No. 17 Tahun 2023 tentang Bank Sinarmas melakukan pengkinian atas ketentuan internal BI-Fast yang
Penyelenggaraan Bank Indonesia - Fast Payment dimiliki saat ini.
Member of the Board of Governors Regulation No. 17 of 2023 Bank Sinarmas updates its internal regulations regarding its current BI-Fast
on the Implementation of Bank Indonesia - Fast Payment provisions.
19. Peraturan Anggota Dewan Gubernur No. 19 Tahun 2023 tentang Bank Sinarmas melakukan pengkinian atas ketentuan internal yang mengatur
Perubahan Kelima atas Peraturan Anggota Dewan Gubernur No. mengenai kredit properti, uang muka untuk kredit kendaraan bermotor.
21/25/APDG/2019 tentang Rasio Loan to Value untuk Kredit
Properti, Rasio Financing to Value untuk Pembiayaan Properti,
dan Uang Muka untuk Kredit atau Pembiayaan Kendaraan
Bermotor
Member of the Board of Governors Regulation No. 19 of 2023 Bank Sinarmas updates its internal regulations governing property loans, down
on the Fifth Amendment to Member of the Board of Governors payments for motor vehicle loans.
Regulation No. 21/25/APDG/2019 on Loan to Value Ratios for
Property Loans, Financing to Value Ratios for Property Financing,
and Down Payments for Motor Vehicle Loans or Financing
20. Peraturan Menteri Koordinator Bidang Perekonomian Republik Bank Sinarmas telah menindaklanjuti sebagai berikut.
Indonesia No. 1 Tahun 2023 tentang Perubahan atas Peraturan 1. Menyesuaikan ketentuan internal yang mencakup ketentuan mengenai
Menteri Koordinator Bidang Perekonomian Republik Indonesia BPJS Ketenagakerjaan, suku bunga berjenjang, dan jumlah akses KUR bagi
No. 1 Tahun 2022 tentang Pedoman Pelaksanaan Kredit Usaha debitur.
Rakyat 2. Memastikan bahwa penyaluran KUR telah sesuai dengan ketentuan
sebagaimana diatur dalam Permenko ini.
3. Melakukan komunikasi dengan Jamkrindo mengenai kewajiban menerapkan
sistem elektronik yang terintegrasi (online system) yang sudah memuat
pengajuan dan penerimaan/pembayaran klaim dan Subrogasi mulai
diterapkan pada 1 Oktober 2023 di mana berdasarkan Surat Konfirmasi dari
Jamkrindo diinformasikan bahwa sistem penjaminan KUR dengan Bank telah
memenuhi kategori online system.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Regulasi Tindak Lanjut Bank Sinarmas
No.
Regulation Follow-up from Bank Sinarmas
Regulation of the Coordinating Minister for Economic Affairs No. Bank Sinarmas has followed up as follows:
1 of 2023 on Amendments to Regulation of the Coordinating 1. Adjusting internal provisions including those related to BPJS Ketenagakerjaan,
Minister for Economic Affairs No. 1 of 2022 on Guidelines for the tiered interest rates, and the access limit for recipients of the People's Business
Implementation of People's Business Credit Credit (KUR).
2. Ensuring that the disbursement of KUR is in line with the provisions as
regulated in this Regulation of the Coordinating Minister for Economic
Affairs.
3. Communicating with Jamkrindo regarding the obligation to implement an
integrated electronic system (online system) that includes the submission
and acceptance/payment of claims and Subrogation, which has been
implemented since 1 October 2023. Based on the Confirmation Letter from
Jamkrindo, it was informed that the KUR guarantee system with the Bank has
fulfilled the category of an online system.
21. Peraturan Menteri Koordinator Bidang Perekonomian No. 2 Bank Sinarmas telah menindaklanjuti sebagai berikut.
Tahun 2023 tentang Perlakuan Khusus bagi Penerima Kredit 1. Melakukan penyesuaian petunjuk teknis atas kriteria dan persyaratan
Usaha Rakyat Terdampak Pandemi Corona Virus Disease 2019 penerima perlakuan khusus.
2. Melakukan pelaporan pada Sistem Informasi Kredit Program (SIKP) secara
berkala yaitu tanggal 10 setiap bulannya atas debitur diberikan perlakuan
khusus.
Regulation of the Coordinating Minister for Economic Affairs No. Bank Sinarmas has followed up as follows:
2 of 2023 on Grace Treatment for Recipients of People's Business 1. Adjusting technical guidelines regarding the criteria and requirements for
Credit Affected by the Corona Virus Disease 2019 Pandemic recipients of grace treatment.
2. Regularly reporting on the Credit Program Information System (SIKP) on the
10th of each month for debtors receiving grace treatment.
22. Peraturan Menteri Keuangan No. 41 Tahun 2023 tentang Pajak Bank Sinarmas melakukan update pada ketentuan internal berkaitan dengan
Pertambahan Nilai atas Penyerahan Agunan yang Diambil Alih Pajak Pertambahan Nilai atas Penyerahan Agunan yang Diambil Alih oleh
oleh Kreditur Kepada Pembeli Agunan Kreditur Kepada Pembeli Agunan.
Minister of Finance Regulation No. 41 of 2023 on Value Added Bank Sinarmas updates its internal provisions related to Value Added Tax on
Tax on the Transfer of Foreclosed Collateral by Creditors to the Transfer of Collateral Foreclosed by Creditors to Collateral Buyers.
Collateral Buyers
23. Peraturan Menteri Keuangan No. 136 Tahun 2023 tentang Bank Sinarmas melakukan penyesuaian terhadap NPWP yang sebelumnya
Perubahan atas Peraturan Menteri Keuangan No. 112/ format 15 digit menjadi format 16 digit.
PMK.03/2022 tentang Nomor Pokok Wajib Pajak Bagi Wajib
Pajak Orang Pribadi, Wajib Pajak Badan, dan Wajib Pajak Instansi
Pemerintah
Minister of Finance Regulation No. 136 of 2023 on Amendments Bank Sinarmas adjusts the Taxpayer Identification Number (NPWP) format from
to Minister of Finance Regulation No. 112/PMK.03/2022 on the previous 15 digits to a 16-digit format.
the Taxpayer Identification Number for Individual Taxpayers,
Corporate Taxpayers, and Government Institution Taxpayers
24. Keputusan Menteri Keuangan Republik Indonesia No. 317 Tahun Bank Sinarmas menindaklanjuti sebagai berikut.
2023 tentang Besaran Subsidi Bunga/Subsidi Margin Kredit 1. Melakukan penyesuaian pedoman internal dalam hal penagihan subsidi
Usaha Rakyat tanggal 25 Oktober 2023 bunga KUR kepada Kementerian terkait.
2. Memiliki sistem yang terintegrasi dengan Sistem Informasi Kredit Program
(SIKP) dalam hal Bank melakukan pengajuan klaim subsidi bunga KUR.
3. Monitoring atas pengajuan subsidi bunga KUR yang telah diajukan.
Decision of the Minister of Finance of the Republic of Indonesia Bank Sinarmas follows up as follows:
No. 317 of 2023 on the Amount of Interest Subsidy/Margin 1. Adjusting internal guidelines regarding the collection of KUR interest
Subsidy for People's Business Credit dated October 25, 2023 subsidies to the relevant Ministry.
2. Establishing an integrated system with the Credit Program Information
System (SIKP) for the Bank to submit KUR interest subsidy claims.
3. Monitoring the submission of KUR interest subsidy claims that have been
filed.
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Perubahan Kebijakan Akuntansi Change in Accounting Policy
Ikatan Akuntan Indonesia melakukan perubahan terhadap standar The Institute of Indonesia Chartered Accountants made changes
akuntansi keuangan (SAK), yang berlaku efektif 1 Januari 2023. in the financial accounting standards (SAK), which effectively took
effect on January 1, 2023.
Diterapkan pada Tahun 2023 Implemented in 2023
Penerapan standar akuntansi keuangan revisi berikut, yang The implementation of the following revised financial accounting
berlaku efektif 1 Januari 2023, relevan bagi Bank namun tidak standards, effective January 1, 2023, is relevant to the Bank but
menyebabkan perubahan signifikan atas kebijakan akuntansi does not result in significant changes to the Bank’s accounting
Bank dan tidak berdampak material terhadap jumlah-jumlah policies and does not have a material impact on the amounts
yang dilaporkan dalam laporan keuangan tahun berjalan maupun reported in the current or prior financial statements:
sebelumnya:
1. Amendemen Pernyataan Standar Akuntansi Keuangan 1. Amendment to Statement of Financial Accounting Standards
(PSAK) No. 1: “Penyajian Laporan Keuangan” tentang (PSAK) No. 1: “Presentation of Financial Statements”
Pengungkapan Kebijakan Akuntansi yang Mengubah Istilah regarding Disclosure of Accounting Policies that Changes the
“Signifikan” menjadi “Material” dan Memberi Penjelasan Term “Significant” to “Material” and Provides Explanation on
mengenai Kebijakan Akuntansi Material; Material Accounting Policies;
2. Amendemen PSAK No. 16, Aset Tetap: Hasil sebelum 2. Amendment to PSAK No. 16, Property, Plant, and Equipment:
Penggunaan yang Diintensikan; Proceeds before Intended Use;
3. Amendemen PSAK No. 25, Kebijakan Akuntansi, Perubahan 3. Amendment to PSAK No. 25, Accounting Policies, Changes
Estimasi Akuntansi dan Kesalahan: Definisi Estimasi Akuntansi; in Accounting Estimates and Errors: Definition of Accounting
Estimates.
4. Amendemen PSAK No. 46, Pajak Penghasilan: Pajak 4. Amendment to PSAK No. 46, Income Taxes: Deferred
Tangguhan terkait Aset dan Liabilitas yang Timbul dari Taxes Related to Assets and Liabilities Arising from a Single
Transaksi Tunggal; dan Transaction; and
5. Amendemen PSAK No. 107, “Akuntansi Ijarah”. 5. Amendment to PSAK No. 107, “Accounting for Ijarah.”
Informasi Kelangsungan Usaha Business Continuity Information
Hal-hal yang Berpotensi Berpengaruh Signifikan Matters that have the Potential to Significantly
terhadap Kelangsungan Usaha Perusahaan Influence on the Continuity of the Company’s
Business
Potensi ancaman terhadap kelangsungan usaha Bank Sinarmas Potential threats to the continuity of Bank Sinarmas's business
dapat berasal dari gangguan atau bencana yang disebabkan may arise from disruptions or disasters caused by various factors,
oleh berbagai faktor, baik internal maupun eksternal, seperti both internal and external, such as business process failures,
kegagalan proses bisnis, fraud internal, bencana alam, disrupsi internal fraud, natural disasters, technological disruptions, political
teknologi, kondisi politik, maupun makroekonomi. conditions, and macroeconomics.
Sementara itu, situasi perekonomian global masih diselimuti Meanwhile, the global economic situation remains shrouded in
ketidakpastian termasuk di negara maju terutama terkait dengan uncertainty, including in developed countries, especially concerning
peningkatan risiko geopolitik, tingginya imbal hasil obligasi di increased geopolitical risks, high bond yields in the United States,
Amerika Serikat, dan perlambatan ekonomi di Tiongkok. Hingga and economic slowdown in China. Until 2023, the United States
tahun 2023, Amerika Serikat masih menghadapi masalah inflasi still grappled with inflation issues above target, prompting The
yang berada di atas target, sehingga The Fed masih beberapa kali Fed to raise interest rates several times and maintaining them for
menaikkan suku bunga dan mempertahankannya dalam waktu a considerable period.
yang cukup lama.
Kenaikan suku bunga berdampak pada nilai tukar Rupiah dan juga The increase in interest rates affected the exchange rate of the
dapat mengurangi minat untuk berinvestasi. Sehingga kenaikan rupiah and may also reduce interest in investing. Therefore, the
suku bunga merupakan sebuah ancaman karena berpengaruh rise in interest rates posed a threat as it affects businesses and
terhadap bisnis dan individu dalam mengakses kredit juga individuals in accessing credit and investment financing.
pembiayaan investasi.
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Terkait kondisi tersebut, Bank Sinarmas telah mengambil langkah In relation to these conditions, Bank Sinarmas has taken steps to
untuk menjaga kinerja tetap resilien dengan melibatkan berbagai maintain resilient performance by involving various relevant units,
unit kerja terkait, antara lain Compliance, Risk Management including the Compliance, Risk Management Group, Internal
Group, Internal Audit, dan unit bisnis lainnya yang tekait dalam Audit, and other business units related to the Bank’s business
kegiatan usaha. Risk Management Group merupakan pihak activities. The Risk Management Group serves as a counterparty
independen terhadap satuan kerja operasional (risk taking unit) to operational risk-taking units and internal control function
dan satuan kerja fungsi pengendalian intern. Risk Management units. The Risk Management Group acts as a business partner for
Group menjadi business partner bagi unit-unit kerja terkait lainnya, other relevant units, especially in risk management strategies that
terutama dalam strategi pengelolaan risiko yang berdampak pada impact the Bank’s business continuity.
keberlangsungan usaha Bank.
Berikut ini beberapa strategi dalam pengelolaan risiko bank. Here are some strategies in the Bank risk management.
1. Implementasi Budaya Sadar Risiko dilaksanakan untuk 1. Implementation of Risk Awareness Culture is carried out to
mendorong pemilik risiko di seluruh jenjang organisasi Bank encourage risk owners at all levels of the Bank’s organization
agar meningkatkan budaya kesadaran risiko (Risk Awareness to enhance risk awareness culture (Risk Awareness Campaign
Campaign Program) melalui berbagai media, antara lain email, Program) through various media, including email, group
diskusi kelompok, Zoom Meeting, sosialisasi atau pelatihan discussions, Zoom Meetings, dissemination or training in
di ruang kelas atau e-learning, Key Risk Indicator, dan Risk classrooms or e-learning, Key Risk Indicators, and Risk Control
Control Self-Assessment. Self-Assessment.
2. Kecukupan kebijakan, prosedur, penetapan limit, dan 2. Adequacy of policies, procedures, limit setting, and review.
kaji ulang. Bank terus berupaya untuk mengembangkan, The Bank continues to strive to develop, maintain, and
memelihara dan memantau kebijakan, prosedur dan limit monitor risk management policies, procedures, and limits to
manajemen risiko agar dilaksanakan sesuai dengan strategi be implemented in accordance with the business strategy,
bisnis, karakteristik dan kompleksitas kegiatan usaha Bank, characteristics and complexity of the Bank’s activities, risk
risk appetite, risk tolerance, serta ketentuan yang ditetapkan appetite, risk tolerance, as well as regulations set by authorities
oleh otoritas dan/atau praktik perbankan yang sehat. Hal and/or sound banking practices. This is done, among other
ini antara lain dilakukan melalui penyusunan dan kaji ulang things, through the preparation and review of several policies,
beberapa kebijakan, penetapan dan kaji ulang limit risk setting and reviewing risk appetite and risk tolerance limits for
appetite dan risk tolerance untuk risiko yang dominan bagi dominant risks for the Bank including credit risk, market risk,
Bank antara lain risiko kredit, risiko pasar, risiko likuiditas, dan liquidity risk, and operational risk.
risiko operasional.
3. Kecukupan proses identifikasi, pemantauan, pengukuran, 3. Adequacy of risk identification, monitoring, measurement,
dan pengendalian risiko antara lain dilakukan dengan cara: and control processes is carried out through:
a. Mengembangkan dan menerapkan metodologi, a. Developing and implementing methodologies,
prosedur, dan perangkat untuk identifikasi, pengukuran, procedures, and tools for identifying, measuring,
pemantauan, dan pengendalian risiko yang timbul dari monitoring, and controlling risks arising from all bank
seluruh produk/aktivitas bank sesuai dengan strategi, risk products/activities in line with the Bank’s strategy, risk
appetite, dan kompleksitas usaha Bank; appetite, and business complexity;
b. Menganalisis potensi kerugian dari aktivitas dan produk b. Analyzing potential losses from the Bank activities and
Bank serta dampaknya terhadap profil risiko dan products as well as their impact on the Bank’s risk profile
permodalan Bank; and capital;
c. Memberikan rekomendasi kepada risk taking unit, unit c. Providing recommendations to risk-taking units, support
pendukung, dan/atau komite atas proposal yang diajukan units, and/or committees on submitted proposals within
sesuai kewenangan yang dimiliki dituangkan dalam their authority, documented in Risk Reviews and Risk
Telaah Risiko dan Kajian Risiko; Assessments;
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d. Melakukan simulasi dan/atau stress testing untuk d. Conducting simulations and/or stress testing to enhance
melengkapi sistem pengukuran risiko dengan the risk measurement system by estimating the use of
memperkirakan penggunaan limit dan potensi kerugian limits and the potential losses of the Bank under abnormal
Bank pada kondisi pasar yang tidak normal dengan market conditions using specific methods to assess the
menggunakan skenario tertentu untuk melihat Bank’s performance sensitivity to changes in risk factors
sensitivitas kinerja Bank terhadap perubahan faktor risiko and identify factors significantly impacting the Bank’s
dan mengidentifikasi faktor yang berdampak signifikan portfolio;
terhadap portofolio Bank;
e. Pemantauan posisi risiko Bank secara keseluruhan e. Monitoring the Bank’s overall risk position (composite), as
(composite), maupun per masing-masing jenis risiko dan well as for each type of risk and functional activity against
per jenis aktivitas fungsional terhadap risk appetite dan the established risk appetite and risk tolerance; and
risk tolerance yang ditetapkan; serta
f. Penilaian berkala terhadap penilaian sendiri (self f. Periodic self-assessment of Conventional Bank Risk
assesment) komposit Risiko Bank Konvensional, UUS Composite, Integrated Sharia and Conventional Bank, the
dan Terintegrasi, Laporan Tingkat Kesehatan Bank, serta Bank Soundness Level Report, as well as the Bank’s ICAAP
Laporan ICAAP Bank dan Terintegrasi secara berkala. Report and Integrated Report periodically.
4. Menyampaikan informasi risiko yang efektif sesuai dengan 4. Providing effective risk information according to the
karakteristik dan kompleksitas kegiatan usaha dan profil risiko characteristics and complexity of business activities and the
Bank guna membantu Direksi, Dewan Komisaris, Komite Bank’s risk profile to assist the Board of Directors, the Board
Manajemen Risiko, dan Komite Pemantauan Risiko dalam of Commissioners, the Risk Management Committee, and the
mengelola risiko, memperkuat aspek pengendalian risiko, dan Risk Monitoring Committee in managing risks, strengthening
melindungi kepentingan Pemegang Saham. risk control aspects, and protecting the interests of
shareholders.
5. Kecukupan kompetensi sumber daya manusia, antara lain 5. Adequacy of human resource competencies, including
dengan memastikan struktur organisasi dan kecukupan ensuring that the organizational structure and human
sumber daya manusia Risk Management Group memadai resources of the Risk Management Group are adequate in
sesuai dengan ukuran dan kompleksitas usaha. Menetapkan line with the size and complexity of the business. Setting
tugas dan tanggung jawab yang jelas pada masing-masing clear tasks and responsibilities for each division according to
divisi sesuai karakteristik dan profil risiko Bank, serta the characteristics and risk profile of the bank, and ensuring
memastikan kecukupan kompetensi guna mendukung sufficient competencies to support effective risk management
penerapan manajemen risiko secara efektif. implementation.
Assessment Manajemen atas Masalah Tersebut Management Asssessment of the Problem
Bank melaksanakan restrukturisasi dan menyalurkan kredit secara The Bank carries out restructuring and disburses credit more
lebih selektif serta mengedepankan prinsip kehati-hatian kepada selectively, prioritizing prudential principles towards customers.
nasabah. Bank senantiasa menjaga kecukupan likuiditas pada The Bank always maintains adequate liquidity levels so that
level yang memadai sehingga aktivitas operasional dan bisnis operational and business activities can run smoothly, and has
dapat berjalan dengan lancar serta permodalan yang sangat ample capital as a precautionary measure to absorb potential risks
memadai sebagai antisipasi untuk menyerap kemungkinan risiko that may arise. According to the provisions of good governance
yang mungkin terjadi. Sesuai ketentuan pelaksanaan tata kelola implementation, the bank conducts self-assessment to measure
perusahaan yang baik, Bank melakukan self-assessment untuk the Bank’s Soundness Level.
mengukur tingkat Kesehatan Bank.
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Berdasarkan hasil self-assessment posisi 31 Desember 2023, Based on the self-assessment results as of December 31, 2023, the
dinilai bahwa Tingkat Kesehatan Bank berada di peringkat 2 Bank's Soundness Level is ranked 2 or "Healthy" with a composite
atau “Sehat”dengan penilaian Profil Risiko secara komposit Risk Profile assessment at level 2 or "Low to Moderate". This
pada peringkat 2 atau “Low to Moderate”. Hal ini menunjukkan indicates that the Bank is able to identify, anticipate, follow up,
Bank mampu melakukan identifikasi, antisipasi, menindaklanjuti, and mitigate risks that may affect the continuity of the Bank’s
sekaligus memitigasi risiko-risiko yang dapat mempengaruhi business.
kesinambungan usaha Bank.
Asumsi yang Digunakan dalam Melakukan Assumptions Used in Conducting Assessment
Assessment
Self-assessment yang dilakukan oleh Bank telah The self-assessment conducted by the Bank with the following
mempertimbangkan, antara lain: consideration:
1. Action plan dan/atau upaya perbaikan yang telah dilakukan 1. The Bank carried out action plans and/or improvement efforts
oleh Bank selama Tahun 2023, baik dari sisi perkreditan in 2023, both in terms of credit and operational aspects of the
maupun operasional Bank; Bank.
2. Benchmark dengan peers Bank serta industri perbankan 2. Benchmarking with peer banks and the banking industry in
secara umumnya serta disesuaikan dengan risk appetite dan general, adjusted to the bank’s risk appetite and risk tolerance;
risk tolerance Bank; serta and
3. Adanya Ketentuan Regulator Peraturan Otoritas Jasa 3. Compliance with Regulatory Provisions of Financial Services
Keuangan No. 48/POJK.03/2020 dan Peraturan Otoritas Authority Regulation No. 48/POJK.03/2020 and Financial
Jasa Keuangan No. 11/POJK.03/2020 tentang Stimulus Services Authority Regulation No. 11/POJK.03/2020 on
Perekonomian Nasional Sebagai Kebijakan Countercyclical National Economic Stimulus as Countercyclical Policy in
dampak penyebaran Covid-19 di mana Bank dapat melakukan response to the spread of Covid-19, wherein banks may
restrukturisasi untuk debitur yang usahanya terkena dampak restructure loans for borrowers whose businesses are affected
Covid-19 sebagai langkah antisipatif dan lanjutan untuk by Covid-19 as a proactive step and continuing measure to
mendorong optimalisasi kinerja perbankan, menjaga optimize banking performance, maintain financial system
stabilitas sistem keuangan, dan mendukung pertumbuhan stability, and support economic growth while adhering to
ekonomi dengan tetap menerapkan prinsip kehati-hatian dan prudential principles and avoiding moral hazard.
menghindari terjadinya moral hazard.
Selama tahun 2023, seluruh aktivitas operasional dapat terkendali Throughout 2023, all operational activities were controlled and
dan berjalan dengan baik. run smoothly.
Peringkat
Faktor-Faktor Penilaian Rating Assessment Factors
2023 2022
Peringkat TKB Berdasarkan Risiko 2 2 Risk-Based Soundess Rating
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05
TINJAUAN
PENDUKUNG BISNIS
Business Support Overview
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Sumber Daya Manusia
Human Resources
Pengembangan Sumber Daya Manusia Human Resource Development
Bank Sinarmas meyakini bahwa sumber daya manusia (SDM) Bank Sinarmas sees human resources (HR) as the primary strength
merupakan kekuatan dan fondasi utama dalam pengelolaan and foundation in managing an organization sustainably and play
organisasi yang berkelanjutan serta berperan penting dalam a crucial role in realizing the Bank’s Vision, Mission, and targets.
mewujudkan Visi, Misi, dan target Bank. Maka dari itu, Bank Therefore, the Bank is committed to systematically, responsibly,
berkomitmen untuk melakukan pengembangan SDM secara and sustainably developing its human resources.
sistematis, bertanggung jawab, dan berkelanjutan.
Organisasi Pengelolaan Sumber Daya Manusia Human Resource Management Organization
Bank Sinarmas membentuk Human Capital Management (HCM) Bank Sinarmas establishes Human Capital Management (HCM)
sebagai garda terdepan dalam mengelola dan memaksimalkan as the forefront in managing and maximizing HR potentials.
potensi SDM. Agar pengelolaan SDM dapat berjalan optimal, To ensure optimal management of human resources, the Bank
Bank membagi HCM dalam 4 fungsi utama sebagai berikut. divides HCM into 4 main functions as follows.
Human Capital System & Talent Development (HCSTD)
Mengembangkan strategi pengelolaan SDM melalui pemenuhan kebutuhan Developing human resource management strategies by fulfilling HR needs,
SDM, pengembangan SDM, pengembangan program pelatihan, manajemen HR development, training program development, talent management, and
talenta, dan perbaikan sistem yang berkelanjutan sehingga terciptanya sustainable system improvement to create effective HR management.
pengelolaan SDM yang efektif.
Organization Development & Industrial Relations (ODIR)
Mengembangkan organisasi dan tata kelola SDM yang optimal, serta Developing optimal HR organization and governance, as well as handling
penanganan atas perselisihan hubungan industrial guna terciptanya industrial relations disputes to create a conducive work environment,
lingkungan kerja yang kondusif, SDM yang produktif, serta proses kerja productive human resources, as well as optimal and integrated work processes.
yang optimal dan saling terintegrasi.
Human Capital Process & Performance Management (HCPPM)
Pengelolaan kinerja seluruh karyawan, pengelolaan sistem reward, dan Managing all employees’ performance, reward system management,
pengelolaan data karyawan, sehingga proses kerja optimal dan saling and employee data management to ensure optimal and integrated work
terintegrasi dalam mendukung pencapaian target Bank dengan SDM yang processes to support the achievement of Bank’s targets with productive
produktif. human resources.
Human Capital Business Partner & Employee Relations (HCBPER)
Partner Human Capital dalam menyelaraskan tujuan bisnis dengan Human Capital Partner in aligning business goals with employees and
karyawan dan manajemen di IT, Digital, dan Business, serta menjembatani management in IT, Digital, and Business, as well as facilitating the
hubungan antara manajemen dengan karyawan Bank Sinarmas sehingga relationship between Bank Sinarmas management and employees to
meningkatkan efektivitas organisasi dalam menjalankan bisnisnya, baik enhance organizational effectiveness in conducting its business, both in the
dalam jangka pendek maupun jangka panjang. short and long term.
Melalui pembagian tugas yang terfokus, Bank dapat meningkatkan Through focused distribution of duties, the Bank can enhance
pengelolaan SDM dengan lebih baik. Keempat fungsi utama HR management more effectively. These four main functions
tersebut senantiasa bersinergi untuk mendukung pencapaian tujuan continuously synergize to support organizational goals
organisasi, memastikan ketersediaan SDM yang sesuai dengan achievement, ensure the availability of human resources according
kebutuhan, dan mempromosikan pertumbuhan yang berkelanjutan to needs, and promote sustainable growth in the dynamic changes
dalam konteks perubahan dinamis di dunia perbankan. of the banking industry.
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Kebijakan Strategis 2023 2023 Strategic Policies
Rekrutmen Recruitment
Bank menyadari kebutuhan SDM setiap tahunnya menyesuaikan The Bank admits that human resources’ needs to adapt to the
dengan perkembangan bisnis yang semakin masif. Oleh karena increasingly massive business developments each year. Therefore,
itu, proses pemenuhan SDM di Bank dilakukan melalui 2 HR fulfillment process at the Bank is conducted through 2
pendekatan, yakni: approaches, namely:
1. Memberikan kesempatan kepada talenta terbaik di dalam 1. Providing opportunities to the best talents within the internal
internal Bank melalui proses promosi atau mutasi jabatan; Bank through promotion or job rotation processes; and
2. Melaksanakan rekrutmen eksternal melalui perekrutan fresh 2. Conducting external recruitment through hiring fresh
graduate dan pro-hire, baik di tingkat pelaksana maupun graduates and pro-hires, both at the executive and managerial
pimpinan. levels.
Bank memastikan bahwa kedua proses tersebut dilakukan secara The Bank ensures that both processes are carried out fairly and
adil dan transparan, sehingga hanya kandidat terbaiklah yang transparently, so that only the best candidates are selected to
terpilih menjadi bagian dari perusahaan. Di samping itu, Bank be part of the Company. In addition, the Bank had set human
telah menetapkan strategi pemenuhan SDM untuk tahun 2023 resources fulfillment strategy for 2023 as follows:
sebagai berikut.
1. Mengoptimalkan sumber pencarian (sourcing) kandidat 1. Optimizing sourcing candidates using job search websites
baik menggunakan situs web pencari kerja (LinkedIn dan (LinkedIn and JobStreet), headhunters, job fairs, campus
JobStreet), head hunter, job fair, campus hiring, employee hiring, employee referrals, and university partnerships.
referral dan kerja sama dengan universitas.
2. Memperkuat employer branding secara eksternal dengan 2. Strengthening external employer branding by being more
lebih aktif di media sosial, seperti Instagram pada account active on social media platforms, such as Instagram with
baru life@banksinarmas dan LinkedIn, dengan memberikan the new account life@banksinarmas and LinkedIn, providing
konten-konten yang mendidik dan mengarahkan para fresh educational content to guide fresh graduates in finding jobs
graduate dalam mencari pekerjaan yang sesuai dengan that align with their passions.
passion-nya.
3. Melakukan kerja sama dengan universitas terkemuka melalui 3. Collaborating with top universities through internship
program internship di Bank, terutama di bidang information programs at the Bank, especially in information technology
technology (IT) dan digital banking selaras dengan strategi (IT) and digital banking, in line with the Bank’s future strategy.
Bank ke depan.
4. Aktif melakukan kerja sama webinar dengan universitas atau 4. Actively participating in webinar collaborations with
pihak ketiga lainnya dalam sebuah event recruitment. universities or other third parties in a recruitment event.
5. Terus melakukan perbaikan berkelanjutan dalam proses 5. Continuously improving the recruitment process to help
recruitment sehingga membantu optimalisasi dalam optimize the recruitment of new employees.
penerimaan karyawan baru.
6. Melakukan kerja sama dengan sekolah didik vokasi/sekolah 6. Collaborating with vocational high schools (SMK) with specific
menengah kejuruan (SMK) yang memiliki penjurusan spesifik, specializations to facilitate internship programs that benefit
sehingga bisa melakukan program internship yang membantu work units.
unit kerja.
7. Mempromosikan career path secara internal dengan 7. Promoting career paths internally through internal job vacancy
penginformasian internal job vacancy yang dapat diakses oleh announcements accessible to all employees, prioritizing
seluruh karyawan dengan memberikan kesempatan pertama internal candidates and assessing their competencies when
kepada karyawan dan melihat kompetensi yang dimiliki applying for vacant positions.
dengan melamar posisi vacant tersebut.
8. Membuka peluang internship bagi disabilitas untuk belajar 8. Providing internship opportunities for individuals with
bekerja di beberapa unit kerja dengan program inclusivity for disabilities to learn and work in various work units through an
creative professional. inclusivity program for creative professionals.
9. Berpartisipasi dalam berbagai event dan kompetisi untuk 9. Participating in various events and competitions to strengthen
memperkuat branding dan juga menambah perluasan branding and also expand sourcing in searching candidates
sourcing dalam pencarian kandidat ke seluruh kota. across all cities.
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Pengembangan Struktur Organisasi Organizational Structure Development
Aktivitas industri perbankan wajib mematuhi kebijakan dan Banking industry activities must comply with policies and
peraturan perundang-undangan sebagai bentuk kepatuhan regulations as a form of legal compliance, as well as a step to
terhadap hukum, sekaligus sebagai langkah untuk mengurangi reduce operational and fraud risks that can cause losses, both for
risiko operasional dan fraud yang dapat menimbulkan kerugian, internal and external parties. Moreover, driven by the increasing
baik bagi pihak internal maupun eksternal. Selain itu, didorong demand from customers in the digital sector, banking companies
oleh kebutuhan nasabah yang semakin intens dalam bidang are required to constantly innovate and adaptively develop, both
digital, perusahaan perbankan dituntut untuk senantiasa operationally and managerially.
melakukan inovasi dan pengembangan yang adaptif, baik secara
operasional ataupun manajerial.
Atas dasar tersebut, Bank Sinarmas berkomitmen untuk Therefore, Bank Sinarmas is committed to actively creating
selalu aktif melakukan perubahan dan pengembangan guna changes and developments to provide sustainable value and
memberikan nilai dan manfaat secara berkelanjutan bagi para benefits for stakeholders. As the Bank's business continues to
pemangku kepentingan. Seiring dengan perkembangan bisnis grow and with the enthusiasm to constantly provide the best
Bank yang semakin bertumbuh dan dengan semangat untuk products and services for customers, the Bank continuously
selalu memberikan berbagai produk dan layanan yang terbaik make improvements and innovations necessary in carrying out
bagi nasabah, Bank senantiasa melakukan perbaikan yang every aspect of its business. One of the Bank's strategic initiatives
berkelanjutan dan inovasi yang diperlukan dalam menjalankan undertaken is the spin-off of its Sharia Business Unit into a Sharia
setiap aspek bisnisnya. Salah satu inisiatif strategis Bank yang Commercial Bank. To ensure smooth business processes and
dilaksanakan adalah pemisahan (spin off) Unit Usaha Syariah services during this transition, the Bank made several adjustments
menjadi Bank Umum Syariah. Untuk memastikan kelancaran to the organizational structure and roles/positions in line with the
proses bisnis dan layanan selama masa transisi ini, Bank melakukan strategy set regarding the spin off.
beberapa penyesuaian struktur organisasi dan peran/jabatan
sejalan dengan strategi yang ditentukan terkait spin off.
Di samping itu, untuk memenuhi kepatuhan pada regulasi Furthermore, to comply with regulation issued by the regulator,
yang diterbitkan oleh regulator, yaitu Peraturan Otoritas Jasa which is Financial Services Authority Regulation No. 12 of
Keuangan No. 12 tahun 2023 tentang Unit Usaha Syariah, Bank 2023 on Sharia Business Units, the Bank makes adjustments to
melakukan penyesuaian terkait jenis kantor yang ada pada Unit the types of offices in the Sharia Business Unit. The Bank also
Usaha Syariah. Selain itu, Bank melakukan penyesuaian pada adjusted the Compliance Work Unit in line with Financial Services
Unit Kerja Compliance sesuai Peraturan Otoritas Jasa Keuangan Authority Regulation No. 8 of 2023 on Implementation of
No. 8 tahun 2023 tentang Penerapan Program Anti Pencucian Anti-Money Laundering (AML), Counter-Terrorist Financing
Uang, Pencegahan Pendanaan Terorisme dan Pencegahan (CFT), and Counter-Proliferation Financing of Weapons of Mass
Pendanaan Proliferasi Senjata Pemusnah Massal di Sektor Jasa Destruction (CPF) Program in the Financial Services Sector,
Keuangan, dengan memperluas lingkup kerja unit kerja ini, yaitu by expanding the scope of work of this work unit to include
termasuk penerapan program pencegahan pendanaan proliferasi the implementation of programs to prevent financing for the
senjata pemusnah massal. proliferation of weapons of mass destruction.
Bank terus melakukan pengembangan struktur organisasi pada The Bank continues to develop the organizational structure of the
Fungsi Information Technology (IT) sesuai kebutuhan organisasi Information Technology (IT) Function according to organizational
dengan membedakan unit kerja, antara lain berdasarkan needs by differentiating work units, among others based on work
proses kerja dan kesamaan karakteristik, namun tetap processes and similar characteristics, but still considering the
mempertimbangkan kompleksitas dan kapasitas proses bisnis complexity and capacity of the business processes undertaken.
yang dijalankan.
Tata Kelola Kebijakan dan Prosedur HCM HCM Policy and Procedure Governance
Sebagai bagian dari upaya dalam penerapan prinsip-prinsip As part of efforts to implement Good Corporate Governance (GCG)
GCG, setiap karyawan perlu memahami dan mengerti isi dari principles, every employee needs to understand and comprehend
ketentuan yang berlaku di Bank. Oleh karena itu, Bank senantiasa the contents of regulations applicable within the Bank. Therefore,
melakukan refreshment secara berkala Kode Etik dan Pedoman the Bank continuously conducts periodic refreshments of Code
Tingkah Laku, serta Peraturan Perusahaan (PP) melalui platform of Ethics and Code of Conduct, as well as Company Regulations
e-learning. Di sisi lain, Bank juga berupaya untuk meningkatkan (CR) through e-learning platforms. On the other hand, the Bank
kualitas pengelolaan SDM, termasuk mengkaji ulang pengelolaan also strives to improve the quality of HR management, including
penerapan sanksi bagi karyawan yang melakukan pelanggaran reviewing the implementation of sanctions for employees who
sesuai dengan Undang-Undang No. 11 tahun 2020 tentang Cipta commit violations in accordance with Law No. 11 of 2020 on Job
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Kerja terkait sanksi indisipliner, yaitu sanksi pertama dan terakhir Creation related to disciplinary sanctions, which include both the
bagi karyawan yang melakukan jenis pelanggaran tertentu. first and final sanctions for employees committing certain types
of violations.
Pembaruan Peraturan Perusahaan Update to Company Regulation
Pembaruan Peraturan Perusahaan (PP) senantiasa dilakukan secara The Company Regulations (CR) is periodically updated to maintain
periodik untuk menjaga relevansi, kepatuhan, dan kesesuaian Bank the relevance, compliance, and conformity of the Bank with
dengan norma-norma hukum dan standar industri yang berlaku. applicable legal norms and industry standards. These updates
Pembaruan tersebut juga dilakukan dengan mempertimbangkan are also made considering the Bank’s Vision, Mission, and Core
keselarasan dengan Visi, Misi, serta Nilai-Nilai Luhur Bank. Values.
Pelatihan dan Pengembangan [POJK51-F.22] Training and Development [POJK51-F.22]
Setiap insan Bank Sinarmas memiliki kesempatan yang sama Every individual at Bank Sinarmas has equal opportunities to
dalam mengikuti program pelatihan dan pengembangan. participate in training and development programs. However,
Meskipun demikian, pelaksanaannya senantiasa disesuaikan the implementation is always adjusted to the needs and
dengan kebutuhan dan kompetensi karyawan di setiap tingkatan competencies of employees at every level of the organization,
organisasi, dengan tetap memperhatikan isu ekonomi/bisnis while considering macroeconomic/business issues and the
makro serta kondisi internal Bank. internal conditions of the Bank.
Adapun jenis program pelatihan dan pengembangan yang The types of training and development programs organized by
diselenggarakan Bank, antara lain: the Bank include:
1. Mandatory Training dalam Pemenuhan Kompetensi Manajemen 1. Mandatory Training in fulfilling Risk Management Competence,
Risiko, Tresuri, Audit, Sistem Pembayaran dan Pengelolaan Treasury, Audit, and Payment Systems and Rupiah Currency
Uang Rupiah (SPPUR), serta sertifikasi wajib lainnya; Management (SPPUR), as well as other mandatory certifications;
2. Fulfillment Program melalui Management Development 2. Fulfillment Program through Management Development
Program (MDP) dan Information Technology (IT) Graduate Program (MDP) and Information Technology (IT) Graduate
Camp dan Data Freshman Camp; Camp and Data Freshman Camp;
3. Skills Development area Sales dilaksanakan bagi para 3. Skills Development in Sales area is implemented for Frontliners
Frontliners (Customer Service & Sales Officer dan Teller) untuk (Customer Service & Sales Officer and Teller) to enhance
meningkatkan skills dalam melakukan cross selling produk skills in cross-selling products through Sales Onboarding &
melalui program Sales Onboarding & Close Every Deals. Close Every Deals program. Additionally, skills enhancement
Selain itu, peningkatan skills untuk talenta di bidang IT juga for talents in IT sector is also conducted through training
dilaksanakan melalui program pelatihan yang mendukung programs supporting information technology (IT) and digital
transformasi teknologi informasi (TI) dan digital, khususnya di transformation, especially in areas of IT governance, product
area tata kelola IT, product management, IT risk management, management, IT risk management, and personal data
dan perlindungan data pribadi. protection.
Seiring dengan kemajuan teknologi, program pelatihan dan In line with technology advancement, training and development
pengembangan di Bank Sinarmas dilaksanakan secara digital programs at Bank Sinarmas are conducted digitally through
melalui e-learning, baik menggunakan platform internal maupun e-learning, using both internal and external platforms. Therefore,
eksternal. Oleh karena itu, Bank senantiasa menciptakan konten the Bank consistently creates unique content in the form of
yang unik dalam bentuk video pembelajaran atau materi interaktif. instructional videos or interactive materials. Additionally, face-
Selain itu, pelatihan dan pengembangan secara tatap muka to-face training and development are still carried out through
tetap dilakukan melalui kerja sama dengan institusi pendidikan, collaboration with educational institutions, especially in training
terutama dalam pelatihan yang mendukung program pemerintah that supports government programs to meet industry needs, with
untuk memenuhi kebutuhan industri, dengan fokus materi pada a focus on material preparation for Bank’s external sourcing.
persiapan external sourcing Bank.
Informasi terkait program pelatihan dan pengembangan yang Information on training and development programs attended by
diikuti karyawan Bank dalam 3 tahun terakhir diungkapkan the Bank’s employees in the last 3 years is disclosed as follows.
sebagai berikut.
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Pelatihan dan Pengembangan
Training and Development
2023 2022 2021
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Nama Program Program Peserta Program Peserta Program Peserta Program Name
Total Total Total Total Total Total
Programs Participants Programs Participants Programs Participants
Mandatory 133 2.334 145 1.741 90 617 Mandatory
Technical Skills 3.675 63.483 2.327 17.559 2.443 26.324 Technical Skills
Soft Skills 260 1.801 478 4.873 277 5.108 Soft Skills
Motivational 69 3.311 99 4.304 34 3.256 Motivational
Knowledge Sharing 4.290 92.417 8.434 135.499 12.192 106.348 Knowledge Sharing
Others 76 391 108 1.202 43 184 Others
Satuan
Uraian 2023 2022 2021 Description
Unit
Jam
Jam Pelatihan 406.645,51 374.606,76 292.366,42 Training Hours
Hour
Jam Pelatihan per Jam/Orang Training Hours per
76,78 73,58 58,74
Karyawan Hour/person Employee
Pelatihan dan pengembangan karyawan berdasarkan level jabatan Employee training and development based on position level and
dan program pelatihan selama tahun 2023 ditunjukkan sebagai training programs for 2023 are shown as follows.
berikut.
Pelatihan dan Pengembangan
Program Pelatihan Training and Development Training Program
TM MM FM S Total %
Mandatory 84 938 987 325 2.334 1,43 Mandatory
Technical Skills 509 10.405 20.991 31.578 63.483 38,77 Technical Skills
Soft Skills 44 367 598 792 1.801 1,10 Soft Skills
Motivational 31 633 1.059 1.588 3.311 2,02 Motivational
Knowledge Sharing 326 11.559 30.805 49.727 92.417 56,44 Knowledge Sharing
Others 5 178 138 70 391 0,24 Others
Total 999 24.080 54.578 84.080 163.737 100,00 Total
Keterangan / Remark:
TM : Top Management FM : Firstline Management
MM : Middle Management S : Staff
Rasio biaya yang dikeluarkan Bank dalam pelaksanaan pelatihan dan The ratio of expenses incurred by the Bank for employees’ training
pengembangan karyawan dibandingkan dengan BTK selama tahun and development compared to total operating expenses from
2023 periode Januari sampai dengan Desember adalah 3,55%. January to December 2023 was 3.55%.
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Kompensasi dan Manfaat Compensation and Benefits
Kompensasi dan manfaat diberikan kepada insan Bank Sinarmas Compensation and benefits are provided to Bank Sinarmas
melalui proses kajian yang mempertimbangkan kontribusi setiap individuals through a review process that considers each
karyawan, tingkat kompetitif di industri, dan kemampuan Bank, employee’s contribution, competitiveness in the industry, and the
serta senantiasa berpedoman pada peraturan perundang- Bank’s capability, while always adhering to applicable laws and
undangan yang berlaku dan kebijakan lainnya, sebagai berikut. regulations, as well as other policies, as follows.
1. Remunerasi 1. Remuneration
Sesuai Anggaran Dasar Bank, Dewan Komisaris dan Direksi According to the Bank’s Articles of Association, the Board
memperoleh remunerasi berupa honorarium, tunjangan of Commissioners and the Board of Directors receive
pemeliharaan kesehatan, jasa produksi, tunjangan hari remuneration in the form of honorariums, health allowances,
raya (THR), yang diputuskan dalam pelaksanaan RUPS pada production services, and holiday allowances (THR), which are
semester 1 setiap tahun buku. decided upon during the GMS in the first semester of each
fiscal year.
2. Implementasi Peraturan Otoritas Jasa Keuangan No. 45 2. Implementation of Financial Service Authority
Regulation No 45
Bank senantiasa memastikan bahwa implementasi Peraturan The Bank always ensures that the implementation of Financial
Otoritas Jasa Keuangan No. 45/POJK.03/2015 tentang Services Authority Regulation No. 45/POJK.03/2015 on
Penerapan Tata Kelola dalam Pemberian Remunerasi bagi the Implementation of Governance in Remuneration for
Bank Umum telah berjalan dengan baik. Commercial Banks has been carried out effectively.
3. Penerapan Uang Kompensasi Bagi Karyawan Perjanjian 3. Implementation of Compensation for Contract (PKWT)
Kerja Waktu Tertentu (PKWT) Employees
Sesuai Undang-Undang No. 11 tahun 2020 tentang Cipta In accordance with Law No. 11 of 2020 on Job Creation and
Kerja dan Peraturan Pemerintah No. 35 tahun 2021 tentang Government Regulation No. 35 of 2021 on Work Agreements
Perjanjian Kerja Waktu Tertentu, Alih Daya, Waktu Kerja for Specific Time, Outsourcing, Working Time and Rest Time,
dan Waktu Istirahat, dan Pemutusan Hubungan Kerja, Bank and Termination, the Bank provides compensation to each
memberikan uang kompensasi kepada setiap karyawan employee whose Contract (PKWT) agreement has expired
yang masa PKWT-nya telah berakhir atau masa kerja telah or whose employment period has ended. The compensation
selesai. Adapun besaran uang kompensasi yang diberikan, amount is adjusted according to the applicable policies at
disesuaikan dengan kebijakan yang berlaku di Bank. the Bank.
Pengembangan Model Kualifikasi dan Pemetaan Development of a Qualification Model and
Talenta Talent Mapping
Bank telah menerapkan model kualifikasi sejak tahun 2018 dan The Bank has been implementing a qualification model since 2018
senantiasa mengembangkan berbagai proses termasuk pemetaan and continuously developing various processes including talent
talenta, agar setiap tahapan evaluasi karyawan mengacu kepada mapping, so that every stage of employee evaluation refers to the
aspek-aspek yang telah disusun. Hasil dari assessment menjadi aspects that have been outlined. The assessment results become
salah satu sumber dalam menentukan kebutuhan pengembangan one of the sources in determining targeted development needs.
yang tepat sasaran.
Pada tahun 2023, terdapat 6.424 kandidat telah menyelesaikan In 2023, there were 6,424 candidates who completed online
online assessment untuk kebutuhan seleksi, promosi maupun assessments for selection, promotion, and evaluation needs
evaluasi di jabatan yang dituju. Bank juga secara bertahap telah in their positions. The Bank also gradually implemented new
menerapkan proses baru dalam pemetaan talenta, dengan processes in talent mapping, using different parameters and tools
menggunakan parameter dan tools yang berbeda dengan tujuan aiming to develop an integrated talent management
mengembangkan pengelolaan talenta yang terintegrasi.
Manajemen Karier Career Management
Sistem manajemen karier yang lebih komprehensif telah disiapkan The Bank prepares a more comprehensive career management
Bank dengan memperhatikan sistem pengembangan SDM system by considering competency-based HR development
berbasis kompetensi. Langkah ini dilakukan dalam rangka: systems. This step is taken in order to:
1. Memberi kesempatan kepada karyawan untuk mengembangkan 1. Provide opportunities for employees to develop their
kompetensinya selaras dengan kebutuhan posisi dalam Bank; competencies in line with the position’s needs within the Bank;
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2. Memberikan acuan bagi pergerakan karier karyawan sesuai 2. Provide guidance for employees’ career progression according
potensinya, sehingga karyawan dapat menentukan arah to their potential, allowing employees to determine their
kariernya; serta career path; and
3. Mendukung engagement karyawan yang dapat mendorong 3. Support employee engagement, which can lead to increased
peningkatan produktivitas dan kontribusi bagi Bank. productivity and contribution to the Bank.
Internalisasi Budaya Kerja Internalization of Work Culture
Berbagai upaya dilakukan Bank dalam menginternalisasikan The Bank undertakes various efforts to internalize culture and
budaya dan etos kerja kepada setiap karyawan, di antaranya: work ethics among every employee, including:
1. Menjadi salah satu komponen dalam sesi induction 1. Become one of the components in induction sessions for new
bagi karyawan baru, melalui penyampaian materi yang employees, through delivery of materials explaining Corporate
menjelaskan mengenai Corporate Profile, yang meliputi visi Profile, which includes the Bank’s vision and mission, long-
dan misi Bank, objektif jangka panjang, etos kerja, moto, dan term objectives, work ethos, motto, and corporate values;
corporate value;
2. Ketersediaan material berisi corporate values, etos kerja, kode 2. Availability of materials containing corporate values, work
etik, dan pedoman tingkah laku dalam Aplikasi E-Learning ethics, code of ethics, and guidelines for behavior in E-Learning
yang dapat diakses oleh setiap karyawan; dan Application accessible to every employee; and
3. Menyanyikan Himne Sinar Mas Terang dan pembacaan 3. Signing ‘Sinar Mas Terang’ Anthem and reading Sinar Mas
Nilai Luhur Sinar Mas secara bersama-sama setiap memulai Core Values together at the beginning of training activities.
kegiatan pelatihan.
Hubungan Kepegawaian Employment Relations
Bank berkomitmen untuk menjaga hubungan baik dengan seluruh The Bank is committed to maintaining good relationships with all
karyawan melalui berbagai kegiatan engagement yang bertujuan: employees through various engagement activities aimed at:
1. Menumbuhkan dan menciptakan happiness at work, melalui 1. Cultivating and fostering happiness at work, through the
penyelenggaraan kegiatan engagement (penghargaan organization of engagement activities (service awards,
masa kerja, pemberian hadiah ulang tahun, dan lainnya) birthday gifts, etc.) and supporting employee community
serta mendukung kegiatan-kegiatan komunitas karyawan activities (sports, arts, etc.);
(olahraga, seni, dan lainnya);
2. Terus mendorong kegiatan Internalisasi Six Values Sinar Mas 2. Continuously encouraging the Internalization of Six Values of
sehingga memperkuat fondasi karyawan terhadap values Sinar Mas to strengthen employees’ foundation regarding the
Bank dalam penerapannya pada aktivitas pekerjaan sehari- Bank’s values in their daily work activities;
hari;
3. Mempersiapkan dan memberikan pembekalan karyawan 3. Preparing and providing guidance to employees entering
dalam memasuki usia pensiun sehingga pasca pensiun retirement age so that they are mentally and spiritually ready
karyawan siap secara mental dan spiritual; serta for retirement; and
4. Mengampanyekan berbagai kegiatan engagement dan 4. Campaigning various engagement activities and employee
komunitas karyawan dalam media sosial (life@banksinarmas) communities on social media (life@banksinarmas) aimed at
yang bertujuan untuk meningkatkan awareness karyawan. increasing employee awareness.
Layanan Kepegawaian Employment Service
Demi menjaga kenyamanan kerja dan produktivitas seluruh To maintain the comfort and productivity of all employees, Bank
karyawan, Bank Sinarmas menyediakan layanan kepegawaian melalui Sinarmas provides employment services through HCM Care. The
HCM Care. Layanan yang dikelola oleh HCM tersebut senantiasa service managed by HCM is continuously improved to expedite
ditingkatkan untuk mempercepat response time dan Service Level response time and Service Level Agreement (SLA) in every service
Agreement (SLA) dalam setiap bidang pelayanan yang dikelola. Selain area managed. Additionally, HCM Care evaluates and follows
itu, HCM Care melakukan evaluasi dan tindaklanjut pengaduan yang up on complaints received, whether they are in the form of
diterima, baik pengaduan dalam bentuk keluhan karyawan, produk, employee complaints, products, or facilities provided by HCM.
ataupun fasilitas yang disediakan oleh HCM. Bank memastikan The Bank ensures that HCM consistently undergoes continuous
HCM senantiasa melakukan pengembangan berkelanjutan untuk development to create seamless and efficient personnel services.
menciptakan layanan kepegawaian yang seamless dan efisien.
Selain itu, penyebaran informasi terkait proses dan prosedur SDM Furthermore, information dissemination regarding HR processes
terus disebarkan melalui media reguler pada portal internal Bank and procedures is distributed through regular media on the Bank’s
dan dalam bentuk konten video yang lebih menarik. Dengan internal portal and in the form of more engaging video content.
demikian, karyawan dapat dengan mudah memahami informasi Thus, employees can easily understand the information conveyed.
yang disampaikan.
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Teknologi Informasi
Information Technology
Bank Sinarmas berkomitmen untuk melakukan inovasi dan Bank Sinarmas is committed to innovation and adaptive business
pengembangan bisnis yang adaptif guna memenuhi kebutuhan development to meet the needs of customers and other
nasabah dan pemangku kepentingan lainnya. Terkait hal ini, stakeholders. In this regard, the Bank continuously adjusts its
Bank senantiasa menyesuaikan sistem kerja dan layanan dengan work systems and services with the support of good and superior
dukungan sarana teknologi informasi (TI) yang baik dan unggul, information technology (IT) facilities, enabling faster, systematic,
sehingga proses kerja lebih cepat, sistematis, dan saling terintegrasi. and integrated work processes.
Pada tahun 2023, Bank Sinarmas secara berkelanjutan melakukan In 2023, Bank Sinarmas consistently developed IT focused on work
pengembangan TI yang difokuskan pada efektivitas dan efisiensi effectiveness and efficiency, as well as customer-oriented. The
kerja, serta berorientasi pada kebutuhan nasabah. Bank juga Bank also developed and enhanced the digitization of information
melakukan pengembangan dan peningkatan digitalisasi teknologi technology through the Information Technology Division.
informasi melalui Divisi Information Technology.
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Struktur Organisasi Pengelola Teknologi Informasi Information Technology Organizational Structure
Pihak yang mengelola dan mengembangkan TI di Bank Sinarmas The Information Technology (IT) Division is in charge of IT
adalah Divisi Information Technology. Divisi tersebut dipimpin oleh development and management at Bank Sinarmas. This division
Group Head yang bertanggung jawab langsung kepada Direktur is led by a Group Head who reports directly to the Information
Information Technology & Digital Experience. Technology & Digital Experience Director.
Information Technology &
Digital Experience Director
IT Governance,
Customer Facing IT Infrastructure,
Strategy, Architecture, Technical Product
& Internal Product IT Engineering DevOps, Operations &
Planning & Management
Management Product Assurance
Information Security
Product Management Product Management
IT Strategy & Program
(Digital Banking (Middleware & API Engineering 1 IT Infrastructure
Management Office
Product) Banking Product)
IT Governance, Risk, Product Management Change Control,
Product Management
Compliance & Product (Branch Banking Engineering 2 DevOps & Deployment
(Core Banking)
Operations Product) Management
Product Management Product Management
IT Operations &
Enterprise Architecture (Card, Payment & (Enterprise Data & Engineering 3
Product Assurance
Transactions Product) Analytics)
Product Management
Enterprise Data
(Funding, Wealth & Engineering 4
Government
Treasury Product)
IT Finance & Product Management Software Quality
Budgeting (Lending Product) Assurance
IT Procurement, Product Management
Vendor & Asset (Compliance, Risk, &
Management Assurance Product)
Product Management
Information Security
(Enterprise Product)
Product Management
(Sharia Banking
Product)
Product Design
Management
Market & UX Research
Digital Product Owner
Pengembangan Tahun 2023 Development in 2023
Dalam rangka mengoptimalkan penerapan TI, Bank Sinarmas To optimize the implementation of IT, Bank Sinarmas has prepared
telah menyusun Panduan Information Technology Strategic Plan Information Technology Strategic Plan (ITSP) Guidelines, which
(ITSP) yang telah disesuaikan dengan Visi Bank. Panduan tersebut have been aligned with the Bank’s Vision. These guidelines contain
memuat rencana strategis TI Bank yang disajikan dalam bentuk the Bank’s strategic IT plan presented in the form of a roadmap
road map, dengan pencapaian pengembangan di tahun 2023 with development achievements in 2023 as follows.
sebagai berikut.
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Pengembangan Manfaat Penerima Manfaat
Development Benefits Beneficiaries
Implementasi Batas Maksimum Meningkatkan pemantauan BMPK debitur/grup debitur serta membuat pelaporan Bank Sinarmas
Pemberian Kredit (BMPK) penyediaan dana dan BMPK kepada Otoritas Jasa Keuangan secara cepat, akurat, dan
terintegrasi, sehingga mendukung penerapan good corporate governance (GCG) pada
Penilaian Tingkat Kesehatan Bank.
Implementation of Legal Lending Limit Enhancing monitoring of Implementation of Legal Lending Limit (LLL) to borrower/
(LLL) group borrower and to create timely, accurate, and integrated fund provision and LLL
reporting to the Financial Services Authority, thereby supporting the implementation of
good corporate governance (GCG) in Bank Soundness Level Assessment.
Implementasi Sistem Pendukung Mendukung kepatuhan Bank atas kewajiban spin off Unit Usaha Syariah menjadi Bank • Bank Sinarmas
untuk Spin Off BUS Umum Syariah (BUS). • Bank Nano Syariah
Implementation of Supporting System Supporting the Bank’s compliance with Sharia Business Unit spin off obligation into
for Sharia Commercial Bank (BUS) Sharia Commercial Bank (BUS).
Implementasi Application Mendukung kerja sama dengan berbagai mitra bisnis untuk mengintegrasikan aplikasi • Bank Sinarmas
Programming Interface (API) dengan miliknya dengan sistem Bank dan meningkatkan diversifikasi pembayaran ataupun • Mitra Bisnis /
berbagai Mitra pembelian yang ditawarkan oleh Bank. Business Partners
Implementation of Supporting System Supporting collaboration with various business partners to integrate their applications • Nasabah / Customers
for Sharia Commercial Bank (BUS) with the Bank's system and enhance the diversification of payment or purchase options
offered by the Bank.
Implementasi Standar Nasional Open Meningkatkan integrasi, interkoneksi, interoperabilitas, serta keamanan layanan Sistem • Bank Sinarmas
API Pembayaran (SNAP) - Pembayaran melalui virtual account, dan kepatuhan terhadap standar SNAP yang • Mitra Bisnis /
Virtual Account ditetapkan oleh regulator. Business Partners
Implementation of National Open Enhancing integration, interconnection, interoperability, and security of Payment • Nasabah / Customers
API Payment Standard (SNAP)- System services through virtual accounts, and compliance with SNAP standards set by
Virtual Account regulators.
Pengembangan Anti-Fraud System Mendukung kepatuhan dan strategi penerapan anti-fraud dalam rangka meningkatkan • Bank Sinarmas
proses pencegahan, deteksi, dan penanganan secara dini. • Nasabah / Customers
Implementation of National Open API Enhancing integration, interconnection, interoperability, and security of Payment
Payment Standard (SNAP)- System services through virtual accounts, and compliance with SNAP standards set by
Virtual Account regulators.
Pengembangan Sistem Custody Pengembangan sistem custody untuk mendukung kegiatan usaha sebagai Bank • Bank Sinarmas
Kustodian. • Nasabah / Customers
Development of Custody System Development of custody systems to support business activities as a Custodian Bank. • Custodian
Pengembangan Sistem Mobile Pengembangan fitur-fitur pada sistem mobile banking Simobiplus untuk meningkatkan • Bank Sinarmas
Banking Simobiplus layanan kepada nasabah. • Nasabah / Customers
Development of Mobile Banking Development of features on mobile banking Simobiplus system to enhance services to
Simobiplus System customers.
Pengembangan Sistem Interest Rate Mendukung kepatuhan Bank terhadap regulator terkait dengan penerapan sistem Bank Sinarmas
Risk in the Banking Book (IRRBB) untuk otomasi perhitungan IRRBB sesuai dengan ketentuan Basel yang berlaku.
Development of Interest Rate Risk in Supporting the Bank's compliance with regulators regarding the implementation of systems
The Banking Book (IRRBB) system for automating the calculation of IRRBB in accordance with applicable Basel provisions.
Pengembangan Sistem BI-FAST Meningkatkan keamanan dan layanan kepada nasabah dalam bertransaksi • Bank Sinarmas
Development of BI-Fast System menggunakan layanan BI-FAST. • Nasabah / Customers
Enhancing security and services to customers in transactions using BI-FAST services.
Pengembangan Sistem Switching Meningkatkan layanan kepada nasabah dalam bertransaksi dengan menggunakan • Bank Sinarmas
kartu debit/ATM. • Nasabah / Customers
Development of Switching Sytem Improving services to customers in transactions using debit/ATM cards.
Pengembangan Sistem Kartu Kredit Meningkatkan layanan kepada nasabah dalam bertransaksi menggunakan kartu kredit. • Bank Sinarmas
Development of Credit Card System Improving services to customers in transactions using credit cards. • Nasabah / Customers
Pengembangan Sistem Quick Meningkatkan keamanan dan layanan kepada nasabah dalam bertransaksi • Bank Sinarmas
Response Code Indonesian Standard menggunakan QRIS, baik untuk acquiring maupun issuing. • Nasabah / Customers
(QRIS)
Development of Quick Response Code Enhancing security and services to customers in transactions using QRIS, both for
Indonesian Standard (QRIS) acquiring and issuing.
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Investasi TI IT Investment
Salah satu komitmen yang secara konsisten dilakukan Bank One of the consistent commitments made by Bank Sinarmas is in
Sinarmas adalah investasi TI. Pada tahun 2023, fokus investasi IT investment. In 2023, the investment focus was directed towards
diarahkan untuk kebutuhan hardware maupun software hardware and software needs to support the development of the
yang dapat mendukung pengembangan sistem aplikasi Bank, Bank's application systems, device renewal needs, increasing IT
kebutuhan peremajaan perangkat-perangkat, peningkatan infrastructure capacity, and IT infrastructure maintenance.
kapasitas infrastruktur TI, serta pemeliharaan infrastruktur TI.
Infrastruktur TI IT Infrastructure
Bank Sinarmas secara berkelanjutan meningkatkan kemampuan Bank Sinarmas consistently improves its infrastructure and IT
infrastruktur dan pengamanan TI sebagai upaya dalam security capabilities as efforts to address disruptions, cyber threats,
menghadapi gangguan, keamanan dunia maya, dan pemulihan and disaster recovery through the following initiatives:
bencana melalui upaya berikut.
1. Melakukan peremajaan terhadap server dan infrastruktur TI 1. Refreshing servers and other IT infrastructure and increasing
lainnya serta meningkatkan kapasitas, baik storage system capacity, both in storage systems and supporting devices in
ataupun perangkat pendukung di Data Center. the Data Center.
2. Meningkatkan security sesuai dengan standar best practice, 2. Enhancing security in line with best practice standards,
meliputi infrastructure security, application security, endpoint including infrastructure security, application security,
security, security management, dan security review atas endpoint security, security management, and conducting
seluruh kebijakan dan prosedur TI. security reviews of all IT policies and procedures.
3. Meningkatkan manajemen infrastruktur TI sesuai dengan 3. Improving IT infrastructure management according to best
standar teknologi best practice, seperti capacity planning, practice technology standards, such as capacity planning,
clustering, load balancing, dan lainnya, sehingga dapat clustering, load balancing, and others, to achieve service levels
mencapai service level bagi user dengan cara ‘cost effective’. for users in a cost-effective manner.
4. Meningkatkan proses monitoring dan performance tuning 4. Enhancing monitoring processes and performance tuning
sebagai langkah proaktif (pencegahan masalah) maupun as proactive (problem prevention) and reactive (problem
reaktif (penyelesaian masalah) untuk mencapai service level resolution) actions to achieve service levels according to
sesuai kebutuhan bisnis. business needs.
Pengembangan Kompetensi SDM TI IT’s HR Competency Development
Pada tahun 2023, Bank Sinarmas telah melaksanakan berbagai In 2023, Bank Sinarmas organized various employee competency
kegiatan pengembangan kompetensi karyawan dalam lingkup TI development activities in IT area through the following programs:
melalui program berikut.
1. Penatalaksanaan sertifikasi control objectives for information 1. Implementation of control objectives for information and
and related technologies (COBIT) sebagai salah satu related technologies (COBIT) certification as one of the
pemenuhan kompetensi karyawan di area TI, khususnya di competency fulfillments for employees in IT area, especially
level Pejabat Eksekutif dan level di bawahnya yang terkait tata at Executive Officer level and below, related to IT governance
kelola dan strategi TI. and strategy.
2. Pemenuhan kebutuhan karyawan melalui program Freshman 2. Meeting employee needs through Freshman Camp and
Camp dan Internship agar dapat mendukung pencapaian Internship programs to support the Bank’s business
bisnis Bank dalam pengembangan area TI. achievements in the development of IT area.
3. Peningkatan skills karyawan dalam mendukung transformasi 3. Enhancement of employees’ skills to support IT transformation
TI untuk memperkuat Product and Consumer Centric, to strengthen Product and Consumer Centric, covering
meliputi berbagai area, seperti Product Management, various areas such as Product Management, Engineering
Engineering Management, Data Analytics, IT Risk, Cyber Management, Data Analytics, IT Risk, Cyber Security, and
Security, dan Data Privacy. Data Privacy.
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4. Optimalisasi penggunaan digital learning platform dalam 4. Optimization of the use of digital learning platforms in the
proses peningkatan knowledge & skill karyawan TI yang process of enhancing knowledge and skills of IT employees,
didukung dengan serangkaian course terbaru mencakup supported by a series of latest courses covering various
berbagai area yaitu bisnis, pengembangan diri, dan teknologi. areas including business, self-development, and technology.
Sebagai area yang mendapat fokus terbesar, area teknologi As the area with the greatest focus, the technology area is
didominasi oleh pilihan materi Development, Data Science, dominated by materials such as Development, Data Science,
Productivity Tools inc. Generative Artificial Intelligence (AI), Productivity Tools including Generative Artificial Intelligence
dan IT Operations. (AI), and IT Operations.
Tata Kelola TI IT Governance
Tata kelola TI diterapkan sebagai bagian dari implementasi GCG IT governance is implemented as part of GCG implementation
agar Bank dapat dengan mudah beradaptasi dan responsif dalam so that the Bank can easily adapt and is responsive in facing
menghadapi tantangan industri perbankan di era transformasi challenges in the banking industry amidst digital transformation
digital. Adapun langkah yang dilakukan Divisi IT Bank Sinarmas era. The steps taken by Bank Sinarmas’s IT Division in realizing IT
dalam merealisasikan tata kelola TI, antara lain: governance include:
1. Melakukan sosialisasi Visi dan Misi TI kepada seluruh karyawan 1. Disseminating IT Vision and Mission to all IT employees,
TI, sehingga layanan TI akan selalu selaras dengan Visi dan ensuring that IT services are always aligned with the Bank’s
Misi Bank; Vision and Mission;
2. Meningkatkan manajemen proyek TI sehingga proyek-proyek 2. Enhancing IT project management to ensure that planned
yang telah direncanakan berjalan sesuai road map TI; projects proceed according to IT roadmap;
3. Meningkatkan kualitas layanan TI terhadap bisnis guna 3. Improving the quality of IT services to the business to ensure
memastikan SLA yang memuaskan; serta satisfactory SLAs; and
4. Memastikan kebijakan dan prosedur penggunaan TI yang 4. Ensuring adequate IT usage policies and procedures through
memadai melalui peningkatan proses pengendalian, review, the enhancement of control processes, reviews, dissemination,
sosialisasi, serta pengkajian secara berkala terhadap kebijakan- and periodic assessments of IT policies.
kebijakan TI.
Rencana Strategis TI IT Strategic Plan
Divisi IT telah menyusun rencana strategis TI untuk tahun 2024 The IT Division has prepared a strategic plan for Information
yang diuraikan sebagai berikut. Technology area in 2024 which is outlined as follows:
1. Mengembangkan dan menyempurnakan fitur-fitur pada 1. Developing and improving features in Mobile Banking and
Mobile Banking dan Internet Banking, baik untuk nasabah Internet Banking, for both individual and corporate customers,
perorangan ataupun nasabah perusahaan, sehingga Bank so that the Bank can enhance its services to customers.
dapat meningkatkan layanannya kepada nasabah.
2. Mengembangkan dan menyempurnakan sistem-sistem yang 2. Developing and improving systems that can enhance
dapat meningkatkan performance, efektivitas, efisiensi, performance, effectiveness, efficiency, or automate workflow
ataupun mengotomasi proses kerja dari aktivitas bisnis processes of business and operational activities, such as
dan operasional, seperti menyempurnakan sistem HCM, refining HCM systems, document & approval management
document & approval management system, general affair systems, general affair systems, procurement systems, asset
system, procurement system, asset management system, dan management systems, and others.
lain-lain.
3. Mengembangkan dan menyempurnakan sistem untuk 3. Developing and improving systems to enhance reliability and
meningkatkan keandalan dan otomasi proses pada aktivitas automate processes in financing activities and management,
dan pengelolaan pembiayaan, seperti menyempurnakan such as refining core loan systems, loan origination systems,
core loan system, loan origination system, loan management loan management systems, and others, for both corporate,
system, dan lainnya, baik dari segmen korporasi, mikro, micro, and consumer segments.
maupun consumer.
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4. Menyempurnakan sistem untuk mendukung otomasi proses 4. Refining systems to support the automation of financial
pembuatan laporan keuangan kepada regulator. reporting processes to regulators.
5. Mengembangkan sistem berbasis API untuk mendukung kerja 5. Developing API-based systems to support collaboration with
sama dengan Fintech dalam bidang kredit. Fintech companies in the credit sector.
6. Implementasi Open API dan API Management. 6. Implementation of Open API and API Management.
7. Implementasi modernization middleware system. 7. Implementation of modernization middleware systems.
8. Mengembangkan sistem yang dapat mendukung performa 8. Developing systems to support sales and marketing
sales dan marketing ataupun reward management, serta performance, as well as reward management, and to support
mendukung strategi akuisisi customer yang berbasis data data-driven customer acquisition strategies and insights.
(data-driven) dan insight.
9. Mengembangkan sistem guna meningkatkan proses 9. Developing systems to enhance compliance monitoring
monitoring kepatuhan, risk management, ataupun kebutuhan processes, risk management, and audit requirements.
audit.
10. Implementasi sistem untuk mendukung kepatuhan Bank 10. Implementing systems to support the Bank’s compliance with
terhadap Undang-Undang No. 27 Tahun 2022 tentang Law No. 27 of 2022 on Personal Data Protection.
Pelindungan Data Pribadi.
11. Memberikan dukungan aplikasi dan infrastruktur IT sesuai 11. Providing application and IT infrastructure support according
dengan kebutuhan sinergi Bank Nano Syariah. to the needs of Bank Nano Syariah synergy.
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Komitmen Penerapan Tata Kelola Perusahaan yang Baik
Commitment to Implementing Good Corporate Governance
Bank Sinarmas menegaskan komitmen terhadap penerapan Bank Sinarmas reaffirms its commitment to the implementation of
tata kelola perusahaan yang baik (good corporate governance) good corporate governance as a fundamental basis for creating a
sebagai landasan fundamental dalam menciptakan lingkungan sound and sustainable business environment. This commitment
bisnis yang sehat dan berkelanjutan. Komitmen ini tercermin is reflected through concrete steps taken by the Bank, such as
melalui langkah-langkah konkret yang telah diambil Bank, establishment of an effective organizational structure, formulation
seperti pembentukan struktur organisasi yang efektif, perumusan of comprehensive governance policies, and enforcement of
kebijakan tata kelola yang komprehensif, serta penegakan compliance with applicable regulations in Indonesia. Additionally,
kepatuhan terhadap regulasi yang berlaku di Indonesia. Selain the Bank also maintains good relationships with stakeholders as
itu, Bank juga menjaga hubungan baik dengan pemangku an integral part of GCG practices.
kepentingan sebagai bagian integral dari praktik GCG.
Dalam upaya terus-menerus untuk meningkatkan kualitas In continuous efforts to improve the quality of GCG
penerapan GCG, Bank Sinarmas secara rutin melakukan review implementation, Bank Sinarmas regularly conducts reviews and
dan penyesuaian terhadap kebijakan tata kelola yang dimilikinya. adjustments to its governance policies. Thus, the Bank not only
Dengan demikian, Bank tidak hanya menunjukkan komitmen demonstrates commitment to GCG practices but also reaffirms
terhadap praktik GCG, tetapi juga menegaskan tekad untuk terus its determination to continuously improve and enhance corporate
memperbaiki dan meningkatkan standar tata kelola perusahaan. governance standards.
Asas dalam Penerapan GCG Principles in GCG Implementation
Bank Sinarmas senantiasa mengadopsi praktik-praktik terbaik Bank Sinarmas consistently adopts the best practices in GCG
dalam penerapan GCG, salah satunya melalui penerapan 4 pilar implementation, one of which is through the implementation of 4
governansi korporat (PUGKI) yang dipublikasikan Komite Nasional pillars of corporate governance (PUGKI) published by the National
Kebijakan Governansi (KNKG) pada tahun 2021. Pilar governansi Committee on Governance Policy (KNKG) in 2021. These corporate
korporat ini merupakan pengembangan dari nilai dasar TARIF governance pillars are an extension of the fundamental values of
(transparansi, akuntabilitas, responsibilitas, independensi, serta TARIF (transparency, accountability, responsibility, independency,
kewajaran dan kesetaraan). as well as fairness and equality).
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Perilaku Beretika Akuntabilitas
Ethical Conduct Accountability
Bank menjalankan kegiatan operasional dengan menjunjung tinggi Bank dapat mempertanggungjawabkan kinerja secara transparan dan
kejujuran, memperlakukan semua pihak dengan hormat (respect), wajar. Untuk itu, Bank harus dikelola secara benar, terukur, dan sesuai
memenuhi komitmen, membangun serta menjaga nilai-nilai moral dengan kepentingan perusahaan dengan tetap memperhitungkan
dan kepercayaan secara konsisten. Selain itu, Bank pun wajib kepentingan Pemegang Saham dan pemangku kepentingan.
memperhatikan kepentingan Pemegang Saham dan pemangku Akuntabilitas merupakan prasyarat yang diperlukan untuk
kepentingan lainnya berdasarkan asas kewajaran dan kesetaraan mencapai kinerja yang berkelanjutan.
(fairness) dan dikelola secara independen sehingga masing-masing
organ perusahaan tidak saling mendominasi dan
tidak dapat diintervensi oleh pihak lain.
The Bank carries out its operational activities by upholding honesty, The Bank is accountable for its performance transparently and
treating all parties with respect, fulfilling commitments, consistently reasonably. Therefore, the Bank must be managed correctly,
building and maintaining moral values and trust. Furthermore, measurably, and in accordance with the interests of the Company
the Bank must consider the interests of shareholders and other while still considering the interests of shareholders and stakeholders.
stakeholders based on the principles of fairness and equality which Accountability is a prerequisite needed to achieve sustainable
are managed independently so that each company organ does not performance.
dominate each other and cannot be intervened by others.
Transparansi Keberlanjutan
Transparency Sustainability
Untuk menjaga obyektivitas dalam menjalankan bisnis, Bank senantiasa mematuhi peraturan perundang-undangan serta
Bank menyediakan informasi yang material dan relevan dengan cara berkomitmen melaksanakan tanggung jawab terhadap masyarakat
yang mudah diakses dan dipahami oleh pemangku kepentingan. dan lingkungan agar berkontribusi pada pembangunan berkelanjutan
Bank mengambil inisiatif untuk mengungkapkan tidak hanya masalah melalui kerja sama dengan semua pemangku kepentingan untuk
yang disyaratkan oleh peraturan perundang-undangan, tetapi juga hal meningkatkan kehidupan mereka dengan cara yang selaras dengan
yang penting untuk pengambilan keputusan oleh Pemegang Saham, kepentingan bisnis dan agenda pembangunan berkelanjutan.
kreditur, dan pemangku kepentingan lainnya.
To maintain objectivity in conducting business, the Bank provides The Bank always complies with laws and is committed to fulfilling its
material and relevant information that is easily accessible and responsibility towards society and the environment to contribute to
understood by stakeholders. The Bank takes the initiative to disclose sustainable development through collaboration with all stakeholders
not only issues required by applicable laws but also important matters in order to improve their lives in a way that is in line with business
for decision-making by shareholders, creditors, and other stakeholders. interests and the sustainable development agenda.
Dasar Hukum Pelaksanaan Legal Basis for Implementation
Penerapan GCG Bank Sinarmas berpedoman pada ketentuan berikut. The implementation of GCG at Bank Sinarmas is guided by these
following provisions.
Undang-Undang Republik Indonesia
Law of the Republic of Indonesia
• Undang-Undang No. 10 Tahun 1998 tentang perubahan atas Undang-undang No. 7 tahun 1992 tentang Perbankan.
• Undang-Undang Republik Indonesia No. 40 Tahun 2007 tentang Perseroan Terbatas.
• Undang-Undang Republik Indonesia No. 21 Tahun 2008 tentang Perbankan Syariah.
• Law of the Republic of Indonesia No. 10 of 1998 on the amendments to Law No. 7 of 1992 on Banking.
• Law of the Republic of Indonesia No. 40 of 2007 on Limited Liability Companies.
• Law of the Republic of Indonesia No. 21 of 2008 on Sharia Banking.
Peraturan Bank Indonesia
Bank Indonesia Regulations
• Peraturan Bank Indonesia No.11/33/PBI/2009 Tanggal 7 Desember 2009 Tentang Pelaksanaan Good Corporate Governance bagi Bank Umum Syariah
dan Unit Usaha Syariah.
• Surat Edaran Bank Indonesia No.12/13/ DPbS Tanggal 30 April 2010 perihal Pelaksanaan Good Corporate Governance bagi Bank Umum Syariah dan Unit
Usaha Syariah.
• Peraturan Bank Indonesia No. 15/14/PBI/2013 tentang Perubahan atas Peraturan Bank Indonesia No. 11/10/PBI/2009 tentang Unit Usaha Syariah.
• Bank Indonesia Regulation No.11/33/PBI/2009 dated December 7, 2009, on the Implementation of Good Corporate Governance for Islamic Commercial
Banks and Sharia Business Units.
• Bank Indonesia Circular No.12/13/DPbS dated April 30, 2010, on the Implementation of Good Corporate Governance for Sharia Commercial Banks and
Sharia Business Units.
• Bank Indonesia Regulation No. 15/14/PBI/2013 on Amendments to Bank Indonesia Regulation No. 11/10/PBI/2009 on Sharia Business Unit.
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Peraturan Otoritas Jasa Keuangan
Financial Services Authority Regulations
• Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tanggal 14 September 2023 tentang Penerapan Tata Kelola bagi Bank Umum.
• Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021 tanggal 30 Juli 2021 tentang Bank Umum.
• Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola bagi Bank Umum.
• Peraturan Otoritas Jasa Keuangan No. 21/POJK.04/2015 tanggal 16 November 2015 tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka.
• Peraturan Otoritas Jasa Keuangan No. 8/POJK.04/2015 tanggal 26 Juni 2015 tentang Situs Web Emiten atau Perusahaan Publik.
• Surat Edaran Otoritas Jasa Keuangan No. 32/ SEOJK.04/2015 Tanggal 17 November 2015 tentang Pedoman Tata Kelola Perusahaan Terbuka.
• Financial Services Authority Regulation No. 17 of 2023 dated September 14, 2023, on the the Implementation of Governance for Commercial Banks.
• Financial Services Authority Regulation No. 12/POJK.03/2021 dated July 30, 2021, on the Commercial Banks.
• Financial Services Authority Circular No.13/SEOJK.03/2017 dated March 17, 2017, on the Implementation of Governance for Commercial Banks.
• Financial Services Authority Regulation No. 21/POJK.04/2015 dated November 16, 2015, on the Implementation of Governance Guidelines for Public Companies.
• Financial Services Authority Regulation No.8/POJK.04/2015 dated June 26, 2015, on the Website of Issuers or Public Companies.
• Financial Services Authority Circular No. 32/SEOJK.04/2015 dated November 17, 2015, on the Governance Guidelines for Public Companies.
Organisasi Penerapan Tata Kelola Governance Implementation Organization
Struktur GCG yang belaku di Bank Sinarmas hingga akhir tahun The GCG structure of Bank Sinarmas as of the end of the 2023
buku 2023 diungkapkan sebagai berikut. fiscal year is as follows.
RAPAT UMUM PEMEGANG SAHAM
GENERAL MEETING SHAREHOLDERS
DEWAN KOMISARIS DIREKSI
BOARD OF COMMISSIONERS BOARD OF DIRECTORS
KOMITE TATA KELOLA TERINTEGRASI KOMITE MANAJEMEN RISIKO TERINTEGRASI
INTEGRATED GOVERNANCE COMMITTEE INTEGRATED RISK MANAGEMENT COMMITTEE
SATUAN KERJA AUDIT INTERNAL
INTERNAL AUDIT WORK UNIT
KOMITE AUDIT
ALCO
AUDIT COMMITTEE
KOMITE PEMANTAU RISIKO KOMITE KREDIT
RISK MONITORING COMMITTEE CREDIT COMITTEE
KOMITE REMUNERASI DAN NOMINASI KOMITE INFORMATION TECHNOLOGY
REMUNERATION AND NOMINATION COMMITTEE INFORMATION TECHNOLOGY COMITTEE
KOMITE HUMAN CAPITAL
HUMAN CAPITAL COMITTEE
KOMITE MANAJEMEN RISIKO
RISK MANAGEMENT COMITTEE
SATUAN KERJA MANAJEMEN RISIKO SATUAN KERJA KEPATUHAN
CORPORATE SECRETARY
RISK MANAGEMENT UNIT COMPLIANCE WORK UNITS
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Komite di tingkat Dewan Komisaris dibentuk untuk membantu dan Committees of the Board of Commissioners are established to assist
meningkatkan fungsi pengawasan yang dijalankan Dewan Komisaris. and improve the supervisory function of the Board of Commissioners.
Komite-komite tersebut, terdiri dari: The following are committees of the Board of Commissioners:
1. Komite Audit; 1. Audit Committee;
2. Komite Pemantau Risiko; 2. Risk Monitoring Committee;
3. Komite Remunerasi dan Nominasi; dan 3. Remuneration and Nomination Committee;
4. Komite Tata Kelola Terintegrasi. 4. Integrated Governance Committee.
Kemudian, Direksi bersama jajaran manajemen Bank bertugas The Board of Directors with the Bank’s management are tasked to
untuk mengelola, mengendalikan, serta bertanggung jawab atas manage, control, and be responsible for governance implementation
penerapan tata kelola di Bank, dibantu oleh Satuan Kerja Audit at the Bank, assisted by Internal Audit Work Unit, Risk Management
Internal, Risk Management Group, Satuan Kerja Kepatuhan, Group, Compliance Work Unit, Corporate Secretary, and
Corporate Secretary, serta Komite di tingkat Direksi, yaitu: Committees at the Board of Directors level, as follows:
1. ALCO; 1. ALCO;
2. Komite Manajemen Risiko; 2. Risk Management Committee;
3. Komite Kredit; 3. Credit Committee;
4. Komite Information Technology (IT); 4. Information Technology (IT) Committee;
5. Komite Human Capital; dan 5. Human Capital Committee; and
6. Komite Manajemen Risiko Terintegrasi. 6. Integrated Risk Management Committee.
Komitmen dan Realisasi GCG GCG Commitment and Realization
Penerapan Tata Kelola Implementation of Governance
GCG Bank Sinarmas diimplementasikan secara komprehensif dan GCG at Bank Sinarmas is implemented in a comprehensive and
terstruktur, yang diintegrasikan dalam 4 aspek dasar berikut. structured manner, which is integrated into the following 4 basic
aspects.
Governance Commitment
Dewan Komisaris, Direksi, beserta seluruh lini organisasi memiliki The Board of Commissioners, Board of Directors, and all lines of organization
komitmen untuk menerapkan dan menegakkan tata kelola are committed to implementing and enforcing the governance of
Bank Sinarmas. Bank Sinarmas.
Governance Structure
Penilaian governance structure bertujuan untuk menilai kecukupan struktur dan The governance structure assessment aims to assess the adequacy of
infrastruktur tata kelola Bank agar proses penerapan prinsip GCG menghasilkan the Bank’s Governance structure and infrastructure to ensure that the
outcome yang sesuai dengan harapan pemangku kepentingan Bank. Adapun implementation of Good Corporate Governance principles generates
yang termasuk dalam struktur GCG Bank, yakni Direksi, Dewan Komisaris, outcomes that are in line with the expectations of the Bank’s Stakeholders.
komite-komite, dan satuan kerja pada Bank. Sementara itu, yang termasuk The Bank’s Board of Directors, Board of Commissioners, Committees and
infrastruktur tata kelola Bank, antara lain kebijakan dan prosedur Bank, sistem Work units are included in the Bank’s Governance structure. While Bank
informasi manajemen, serta tugas pokok dan fungsi masing-masing struktur policies and procedures, management information systems, as well as the
organisasi. Bank Sinarmas telah memiliki kecukupan struktur dan prosedur main tasks and functions of each organizational structure are included in
dalam menerapkan GCG. Bank’s Governance infrastructure.
Governance Process
Penilaian governance process bertujuan untuk menilai efektivitas proses The governance process assessment aims to assess the effectiveness of
penerapan prinsip GCG yang didukung oleh kecukupan struktur dan infrastruktur GCG principles implementation supported by adequate structure and
tata kelola Bank sehingga menghasilkan outcome yang sesuai dengan harapan the Bank’s Governance to generate outcomes that are in line with the
pemangku kepentingan Bank. Bank Sinarmas telah menerapkan prinsip-prinsip expectations of the Bank’s Stakeholders. Bank Sinarmas has applied GCG
GCG secara efektif. principles effectively.
Governance outcome
Penilaian governance outcome bertujuan untuk menilai kualitas outcome The governance outcome assessment aims to assess the quality of outcomes
yang memenuhi harapan pemangku kepentingan Bank yang merupakan hasil that meet the expectations of the Bank’s Stakeholders, which are the
proses penerapan prinsip GCG serta didukung oleh kecukupan struktur dan results of the process of implementing the principles of Governance that
infrastruktur tata kelola Bank. are supported by the adequacy of the Bank’s Governance structure and
infrastructure.
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Sementara itu, yang termasuk dalam outcome mencakup aspek kualitatif dan Meanwhile, qualitative aspects and quantitative aspects are included in the
aspek kuantitatif, antara lain: outcome, among others:
• Kecukupan transparansi laporan; • Adequacy of report transparency;
• Kepatuhan terhadap peraturan perundang-undangan; • Compliance with laws and regulations;
• Perlindungan konsumen; • Consumer protection;
• Objektivitas dalam melakukan penilaian (assessment) atau audit; • Objectivity in conducting assessment or audits;
• Kinerja Bank seperti rentabilitas, efisiensi, dan permodalan; dan/atau; • Bank performance, such as profitability, efficiency, and capital; and/or
• Peningkatan atau penurunan kepatuhan terhadap ketentuan dan • Increase or decrease in compliance with regulations and resolution of
penyelesaian permasalahan yang dihadapi Bank, seperti fraud, pelanggaran issues faced by the Bank, such as fraud, violations of the Legal Lending
batas maksimum pemberian kredit (BMPK), dan pelanggaran ketentuan Limit (BMPK), and violations of provisions related to bank reports to the
terkait Laporan Bank kepada Otoritas Jasa Keuangan. Financial Services Authority.
Bank Sinarmas mampu menghasilkan outcome yang sesuai dengan harapan Bank Sinarmas is able to generate outcomes that are in line with stakeholder
pemangku kepentingan. expectations.
Tujuan Penerapan Tata Kelola Objectives of Governance Implementation
Bank Sinarmas berkewajiban untuk melaksanakan kegiatan Bank Sinarmas is required to conduct its business activities in
usahanya yang disesuaikan dengan prinsip-prinsip GCG dalam accordance with GCG principles in order to:
rangka:
1. Meningkatkan kinerja Bank 1. Improve the Bank performance
2. Melindungi kepentingan para pemangku kepentingan; dan 2. Protect the interest of stakeholders; and
3. Meningkatkan kepatuhan terhadap peraturan perundang- 3. Improve compliance with laws and generally applicable code
undangan serta Nilai-Nilai Etika (code of conduct) yang of conduct in the banking industry.
berlaku secara umum pada industri perbankan.
Road Map Penerapan Tata Kelola Corporate Governance Roadmap
Bank Sinarmas secara konsisten dan berkelanjutan melaksanakan Bank Sinarmas consistently and continuously implements
tata kelola sesuai ketentuan internal dan eksternal. Melalui road governance in accordance with internal and external provisions.
map penerapan tata kelola, Bank terus menyempurnakan dan Through the governance implementation roadmap, the Bank
menyesuaikan upaya tersebut guna memberikan kontribusi positif continues to improve and adjust these efforts to provide a positive
bagi semua pemangku kepentingan. contribution to all stakeholders.
2023
• Dalam penerapan GCG, Bank Sinarmas telah melakukan pengkinian • In the implementation of GCG, Bank Sinarmas updated its Corporate
atas Kebijakan Tata Kelola Perusahaan yang dimiliki. Hal ini sejalan Governance policy. This was in line with regulation set by the Financial
sebagaimana diatur oleh Otoritas Jasa keuangan melalui Peraturan Services Authority through Financial Services Authority Regulation No. 17
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Tata of 2023 on the Implementation of Corporate Governance for Commercial
Kelola Bagi Bank Umum; Banks;
• Bank Sinarmas melakukan penilaian sendiri atas penerapan tata kelola • Bank Sinarmas conducted self-assessment on good corporate governance
yang baik 2 kali dalam 1 tahun; twice a year;
• Direksi Bank Sinarmas menindaklanjuti temuan audit atau pemeriksaan • The Board of Directors of Bank Sinarmas followed up on audit or investigation
dan rekomendasi dari Satuan Kerja Audit Internal Bank, auditor findings and recommendation from the Bank’s Internal Audit Work Unit,
ekstern, hasil pengawasan Otoritas Jasa Keuangan, dan/atau hasil external auditors, results of supervision by the Financial Services Authority,
pengawasan otoritas dan lembaga lain. and/or results of supervision from other authorities and institutions.
• Bank Sinarmas menyelenggarakan Rapat Direksi, Rapat Dewan Komisaris, • Bank Sinarmas held Board of Directors Meetings, Board of Commissioners
maupun Rapat Direksi bersama dengan Dewan Komisaris; Meetings, and Joint Meetings of Board of Directors and Board of
Commissioners.
• Bank Sinarmas memastikan kepatuhan terhadap ketentuan Otoritas Jasa • Bank Sinarmas ensured compliance with Financial Services Authority
Keuangan dan ketentuan perundang-undangan dengan melakukan, regulations and laws by, among others:
antara lain:
- Membuat analisa dampak dan menyusun tindak lanjut serta - Performing impact analysis and drafting follow-up actions, as well
melakukan sosialisasi terhadap ketentuan Otoritas Jasa Keuangan dan as conducting an outreach for Financial Services Authority and Bank
Bank Indonesia serta peraturan perundang-undangan yang berlaku; Indonesia regulations and applicable laws;
- Memberikan opini terhadap rancangan produk dan aktivitas Bank - Providing opinions on Bank product designs and activities to ensure
agar sesuai dengan ketentuan regulator dan peraturan perundang- compliance with regulatory provisions and applicable laws; and
undangan yang berlaku; dan
• Bank Sinarmas memastikan kebijakan, ketentuan, sistem dan prosedur • Bank Sinarmas ensured that policies, regulations, systems, and procedures
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan peraturan were in line with Financial Service Authority regulations and applicable
perundang-undangan yang berlaku, maka Satuan Kerja Kepatuhan laws. Therefore, the Compliance Unit issued opinions or reviews on
mengeluarkan opini atau review terhadap kebijakan, prosedur, ketentuan policies, procedures, and regulations that would be issued.
yang akan diterbitkan.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
2022
• Pengkinian Standar Operasional Prosedur (SOP) Tata Urutan Ketentuan • Updating the Standard Operating Procedures (SOP) of Internal Provisions
Internal (Manual Level) Versi 2.0; (Manual Level) Version 2.0;
• Pengkinian Kebijakan Kepatuhan Versi 2.0; • Updating Compliance Policy Version 2.0;
• Pengkinian SOP Kepatuhan Terintegrasi Konglomerasi Keuangan Sinar • Updating Sinarmas Financial Services Integrated Compliance Standard
Mas Financial Services Versi 2.0; Operating Procedures Version 2.0;
• Pelaksanaan Rapat Komite Tata Kelola Terintegrasi Konglomerasi Keuangan • Implementation of Integrated Governance Committee Meetings of
Sinar Mas Semester I dan II Tahun 2022. Sinarmas Financial Conglomeration for Semester I and II of 2022.
• Penyampaian Laporan Tidak Terstruktur kepada Otoritas Jasa Keuangan • Submission of Unstructured Reports to Financial Services Authority online
secara daring melalui SIPENA; through SIPENA;
• Pelaksanaan Compliance Testing kepada Divisi Bancassurance, Kantor • Implementation of Compliance Testing for Bancassurance Division,
Cabang atas Penerapan Anti Pencucian Uang dan Pencegahan Pendanaan Branch Offices on the implementation of Anti-Money Laundering and
Terorisme (APU-PPT), Treasury Group, Credit Card Group, MSME Group, Counter Terrorism Financing (AML-CTF), Treasury Group, Credit Card
dan SnD Group; dan Group, MSME Group, and SnD Group; and
• Meningkatkan kesadaran atas Budaya Kepatuhan melalui program • Increasing awareness of the compliance culture through the Compliance
Compliance Campaign yang dilakukan ke seluruh Unit Kerja dan jaringan Campaign program conducted in all Work Units and the Bank’s branch
Cabang Bank baik melalui media komunikasi internal maupun melalui network both through internal communication media and through class
pelatihan kelas dan e-learning. training and E-Learning.
2021
• Pelaksanaan Rapat Komite Tata Kelola Terintegrasi Konglomerasi Keuangan • Implementation of Integrated Governance Committee Meeting of
Sinar Mas Semester I dan II Tahun 2021; Sinarmas Financial Conglomeration Semester I and II 2021;
• Pelaporan tindak lanjut oleh Lembaga Jasa Keuangan (LJK) dalam • Follow-up reporting by the Financial Services Institutions (LJK) in Financial
Konglomerasi Keuangan terhadap hasil pengawasan Otoritas Jasa Keuangan Conglomeration on the supervision results of Financial Services Authority
maupun hasil pengawasan otoritas lainnya kepada Direksi Entitas Utama; and the supervision results of other authorities to the Board of Directors
of the Main Entity;
• Penyusunan dan Penyampaian Rencana Korporasi PT. Bank Sinarmas Tbk. • Preparation and Submission of PT. Bank Sinarmas Tbk.’s 2022-2026
tahun 2022-2026; Corporate Plan;
• Memperkuat modal Bank oleh Pemegang Saham Pengendali Bank • Strengthening the Bank’s capital by the Bank’s controlling shareholder
sebesar Rp1,4 triliun; amounting Rp1.4 trillion:
• Penyampaian Laporan Tidak Terstruktur kepada Otoritas Jasa Keuangan • Submission of the unstructured Reports to the Financial Services Authority
secara daring melalui SIPENA; online through SIPENA;
• Peningkatan awareness terkait compliance info kepada seluruh lini Bank • Improving awareness on compliance information to all lines of Bank
Sinarmas; Sinarmas;
• Pelaksanaan Compliance Testing kepada Divisi Investment Product • Implementation of Compliance Testing for all investment Product Division
(Reksadana), proses Open Account (Digital dan Konvensional), Syariah, (Mutual Funds), Open Account process (Digital and Conventional), Sharia,
CAC berkaitan dengan kepatuhan sesuai dengan Peraturan yang diatur CAC related to compliance in accordance with regulations sets by the
oleh regulator; dan regulators; and
• Pelaksanaan Sosialisasi terhadap implementasi GCG kepada seluruh lini • Implementation of outreach on GCG implementation to all lines of Bank
Bank Sinarmas. Sinarmas.
2020
• Pengkinian Kebijakan Tata Kelola Bank Sinarmas; • Updating Governance Policy of Bank Sinarmas;
• Pengkinian Kebijakan Tata Kelola Terintegrasi (Konglomerasi Sinar Mas); • Updating the Integrated Governance Policy (Sinarmas Conglomeration);
• Pelaksanaan Rapat Komite Tata Kelola Terintegrasi Sinarmas Semester I • Implementation of Sinarmas Integrated Governance Committee Meeting
dan II Tahun 2020; in Semester I and II 2020;
• Pembuatan Compliance Monitoring System; • Development of the Compliance Monitoring System;
• Pemenuhan Pelaporan Bank kepada Regulator melalui daring, seperti • Fulfilment of Bank Reporting to Regulators online, such as via APOLO and
APOLO dan OBOX maupun luring; OBOX, as well as offline;
• Penerbitan Corporate Charter; • Issuance of Corporate Charter;
• Peningkatan rangkaian aktivitas implementasi kegiatan APU-PPT; • Increasing the series of activities in the implementation of AML CFT
activities
• Peningkatan awareness terkait compliance info kepada seluruh lini Bank • Increasing the awareness related to compliance info to all lines of Bank
Sinarmas; dan Sinarmas; and
• Pelaksanaan Sosialisasi terhadap implementasi GCG kepada seluruh lini • Implementation of Outreach of GCG Implementation to all lines of Bank
Bank Sinarmas dan Konglomerasi Keuangan Sinar Mas. Sinarmas and the Sinarmas Financial Conglomeration
2019
• Pemenuhan pelaporan Bank kepada regulator; • Fulfilment of the Bank’s reporting to regulators;
• Pelaksanaan sosialisasi terkait praktik pelaksanaan GCG melalui internal • Implementation of outreach related to GCG implementation practices
class dan e-learning; through internal classes and e-learning;
• Peningkatan awareness terkait compliance culture kepada seluruh lini Bank • Increasing the awareness related to compliance culture to all lines of Bank
Sinarmas melalui compliance campaign; Sinarmas through compliance campaign;
• Penerbitan Compliance Charter dan Internal Audit Charter; • Issuance of Compliance Charter and Internal Audit Charter;
• Pembaruan kebijakan-kebijakan internal Bank yang terkait dengan tata • Updating the Bank’s internal policy related to governance;
kelola;
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PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
• Peningkatan rangkaian aktivitas implementasi kegiatan APU-PPT; • Improving series of activities in the implementation of AML-CFT activities;
• Penyampaian Rencana Aksi Keuangan Berkelanjutan; • Disclosure of a Sustainability Finance Action Plan;
• Peluncuran Compliance Manual Leveling; • Launch of Compliance Manual Levelling;
• Melakukan pemantauan secara berkala dan intensif pada regulatory • Conducting periodic and invasive monitoring of regulatory parameters;
parameter;
• Penyesuaian Kode Etik karyawan; • Adjustment to employee code of ethics;
• Penyusunan risk indicator bidang usaha; dan • Preparation of business risk indicators; and
• Memperkuat modal Bank dengan pelaksanaan exercise waran oleh • Strengthening the Bank’s capital through exercise warrants by controlling
Pemegang Saham Pengendali Bank sebesar Rp1 triliun. shareholders of the Bank amounting Rp1 trillion.
2018
• Menyelaraskan dan menyempurnakan praktik pelaksanaan GCG dengan • Harmonizing and enhancing the implementation of GCG practices in
peraturan perundang-undangan yang berlaku; accordance with applicable laws and regulations;
• Penyesuaian kebijakan-kebijakan pendukung pelaksanaan tata kelola • Adjustment of supporting policies of Bank Sinarmas corporate governance
Bank Sinarmas; implementation;
• Perubahan Struktur Organisasi; • Changes to the Organizational Structure;
• Pengangkatan anggota Direksi melalui ketentuan tata kelola yang berlaku; • Appointment of the Board of Directors based on the prevailing governance
provisions;
• Perubahan susunan anggota Direksi melalui ketentuan tata kelola yang • Changes to the membership composition of the Board of Directors based
berlaku; on the prevailing governance provisions;
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta • Disclosure of the AGMS and EGMS Agenda along with their explanation
penjelasannya pada situs web Bank Sinarmas; dan on the website of Bank Sinarmas; and
• Publikasi Keputusan RUPS Tahunan dan RUPS Luar Biasa beserta • Publication of the AGMS and EGMS along with their explanation on the
penjelasannya pada situs web Bank Sinarmas. website of Bank Sinarmas.
2017
• Penyelarasan pelaksanaan tata kelola Bank Sinarmas dengan peraturan • Alignment of Bank Sinarmas governance implementation with the
Otoritas Jasa Keuangan tentang Penerapan Tata Kelola Bagi Bank Umum; Financial Services Authority regulation on the Implementation of
Governance for Commercial Banks;
• Penyesuaian kebijakan-kebijakan pendukung pelaksanaan tata kelola Bank • Adjustment of supporting policies for the implementation of Bank
Sinarmas; Sinarmas governance;
• Meraih penghargaan The Top 50 Emiten MIDcap yang diselenggarakan • Awarded The Top 50 MIDcap Issuer, which was organized by Indonesian
oleh Indonesian Institute for Corporate Director (IICD); Institute for Corporate Director (IICD);
• Perubahan Anggaran Dasar Bank; • Amendment to the Bank’s Articles of Association;
• Pengunduran diri dan pengangkatan anggota Direksi melalui ketentuan • Resignation and appointment of members of the Board of Directors
tata kelola yang berlaku; through the prevailing governance provisions;
• Perubahan susunan anggota Direksi melalui ketentuan tata kelola yang • Changes to the membership composition of the Board of Directors
berlaku; pursuant to the prevailing governance provisions;
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta • Disclosure of the AGMS and EGMS Agenda along with explanations on
penjelasannya pada situs web Bank Sinarmas; dan the website of Bank Sinarmas; and
• Publikasi Keputusan RUPS Tahunan dan RUPS Luar Biasa beserta • Publications of AGMS and EGMS resolutions along with their explanations
penjelasannya pada situs web Bank Sinarmas. on the website of Bank Sinarmas.
2016
• Aksi Korporasi (Corporate Action) Penawaran Umum Terbatas (PUT II); • Corporate Action Limited Public Offering (LPO III);
• Penetapan Bank Sinarmas sebagai Entitas Utama; • Approval of Bank Sinarmas as the Main Entity;
• Penetapan Susunan Anggota Komite Tata Kelola Terintegrasi dan Komite • Approval of the Composition of Members of the Integrated Governance
Manajemen Risiko Terintegrasi; Committee and the Integrated Risk Management Committee;
• Kebijakan melalui Pedoman Tata Kelola Terintegrasi; • Policy through the Integrated Governance Guidelines;
• Perubahan Susunan Dewan Pengawas Syariah; • Changes to the composition of the Sharia Supervisory Board;
• Perubahan Anggaran Dasar Bank; • Amendment to the Bank’s Articles of Association;
• Peningkatan Modal Bank; • Increase in the Bank’s Capital;
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta • Disclosure of the AGMS and EGMS Agenda along with their explanation
penjelasannya pada situs web Bank Sinarmas; dan on the website of Bank Sinarmas; and
• Publikasi Keputusan RUPS Tahunan dan RUPS Luar Biasa beserta • Publication of the AGMS and EGMS resolutions and their explanation on
penjelasannya pada situs web Bank Sinarmas. the website of Bank Sinarmas.
2015
• Juara ke-III Kategori Listed Private Financial pada Annual Report Award • Third place in the Listed Private Financial Category at the 2015 Annual
2015; Report Award;
• Kebijakan Pedoman Whistleblowing System; • Whistleblowing System Guidelines Policy;
• Pengembangan praktik pelaksanaan GCG dengan peraturan perundang- • Development of GCG implementation practices with the prevailing laws
undangan yang berlaku; and regulations;
• Pengangkatan anggota Direksi melalui ketentuan tata kelola yang • Appointment of members of the Board of Directors through prevailing
berlaku; governance provisions;
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
• Perubahan Anggaran Dasar Bank; • Amendment to the Bank’s Articles of Association;
• Perubahan susunan anggota Direksi melalui ketentuan tata kelola yang • Changes in membership composition of the Board of Directors pursuant
berlaku; to prevailing governance provisions;
• Pengungkapan Agenda RUPS Tahunan dan RUPS Luar Biasa beserta • Disclosure of the AGMS and EGMS Agenda along with their explanations
penjelasannya pada situs web Bank Sinarmas; dan on the website of Bank Sinarmas; and
• Publikasi Keputusan RUPS Tahunan. • Publication of the AGMS resolutions.
Tinjauan Penerapan Pedoman Tata Kelola Bank Overview on the Implementation of the Governance
Perusahaan Terbuka Guidelines of the Bank as Public Company
Penerapan GCG di Bank telah disesuaikan dengan Pedoman Tata The implementation of GCG at the Bank has been adjusted to the
Kelola Perusahaan Terbuka yang disusun berdasarkan Surat Edaran Guidelines for Public Company Governance prepared based on
Otoritas Jasa Keuangan No. 32/SEOJK.04/2015, sebagai berikut. Financial Services Authority Circular No. 32/SEOJK.04/2015, as follows.
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Aspect 1: Public Company Relations with Shareholders in Guaranteeing Shareholder Rights
Prinsip 1: Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS)
Principle 1: Improving the Value of General Meeting of Shareholders (GMS) Implementation
Rekomendasi 1.1: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki cara atau prosedur Terpenuhi Mekanisme pemungutan suara RUPS Tahunan dituangkan dalam Tata Tertib Rapat.
teknis pengumpulan suara (voting), baik secara Tata Tertib RUPS Tahunan tanggal 27 Juni 2023 dapat diakses melalui situs web
terbuka maupun tertutup, yang mengedepankan Bank. Dokumen tersebut juga dibagikan kepada Pemegang Saham dan ditampilkan
independensi dan kepentingan Pemegang Saham. pada layar saat pembawa acara membacakan pokok-pokok tata tertib selama
penyelenggaraan RUPS.
Recommendation 1.1: Fulfillment: Implementation:
The Public Company has technical means or Fulfilled The mechanism of voting in the Annual General Meeting of Shareholders (AGMS)
procedures for voting, both open and closed voting is stipulated in meeting procedures. The procedures of AGMS, dated June 2023,
mechanisms that uphold the independence and can be accessed through the Bank’s website. This document is also distributed to
interest of shareholders. shareholders and displayed on the screen when the points of procedures were read
out by the presenter during the GMS.
Rekomendasi 1.2: Pemenuhan: Penerapan:
Seluruh anggota Direksi dan anggota Dewan Komisaris Terpenuhi Seluruh anggota Dewan Komisaris dan Direksi menghadiri RUPS Tahunan tanggal
Perusahaan Terbuka hadir dalam RUPS Tahunan. 27 Juni 2023.
Recommendation 1.2: Fulfillment: Implementation:
All members of Public Company’s Board of Directors Fulfilled All members of the Board of Commissioners and Directors attended the AGMS on
and the members of Board of Commissioners attend 27 June 2023.
the AGMS.
Rekomendasi 1.3: Pemenuhan: Penerapan:
Ringkasan risalah RUPS tersedia dalam situs web Terpenuhi Ringkasan Risalah RUPS 2014-2023 tersedia di situs web Bank
Perusahaan Terbuka paling sedikit selama 1 tahun. (www.banksinarmas.com) pada laman Hubungan Investor.
Recommendation 1.3: Fulfillment: Implementation:
Summary of the minutes of the GMS is available on Fulfilled Summary of the Minute of GMS 2014-2023 is available on the Bank’s website
the Public Company’s website for at least 1 year. (www.banksinarmas.com) on the Investor Relations menu.
Prinsip 2: Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor
Principle 2: Improving the Quality of Communication of the Public Company with Shareholders or Investors
Rekomendasi 2.1: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki suatu kebijakan Terpenuhi Kebijakan komunikasi dengan Pemegang Saham atau Investor tertuang dalam
komunikasi dengan Pemegang Saham atau investor. Surat Keputusan Direksi No. SK.102/2021/PRESDIR-Corsec. Adapun komunikasi
yang dilakukan oleh Bank, di antaranya melalui pelaksanaan RUPS; Paparan Publik
(Public Expose); publikasi Laporan Keuangan Bulanan, Triwulanan, dan Tahunan;
serta melakukan keterbukaan informasi secara akurat dan tepat waktu. Bank
Sinarmas juga menyediakan informasi alamat kantor pusat dan cabang, alamat
e-mail, dan nomor telepon, baik dalam situs web maupun Laporan Tahunan, akses
media sosial, dan contact center sebagai sarana bagi Pemegang Saham maupun
investor agar dapat melakukan komunikasi dengan Bank secara mudah.
Recommendation 2.1: Fulfillment: Implementation:
The Public Company has established a Fulfilled The communication policy with Shareholders or Investors is outlined in The Board
communication policy with shareholders or of Director's Decree No. SK.102/2021/PRESDIR-Corsec. The communication
investors. efforts undertaken by the Bank include conducting Annual General Meetings of
Shareholders (AGMS); Public Presentations (Public Expose); publishing Monthly,
Quarterly, and Annual Financial Reports; as well as ensur-ing accurate and timely
disclosure of infor-mation. Bank Sinarmas also provides infor-mation such as the
address of its head office and branches, email addresses, and telephone numbers,
both on its website and in the Annual Report, accessible through social media
platforms, and through the contact center. These channels serve as means for
Sharehold-ers or Investors to easily communicate with the Bank.
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Rekomendasi 2.2: Pemenuhan: Penerapan:
Perusahaan Terbuka mengungkapkan kebijakan Terpenuhi Kebijakan komunikasi dengan Pemegang Saham atau Investor telah diunggah ke
komunikasi Perusahaan Terbuka dengan Pemegang situs web Bank Sinarmas.
Saham atau investor dalam situs web.
Recommendation 2.2: Fulfillment: Implementation:
The Public Company discloses the communication Fulfilled The communication policy with Shareholders or Investors has been uploaded to the
policy of the Public Company with shareholders or Bank Sinarmas website.
investors on the website.
Aspek 2: Fungsi dan Peran Dewan Komisaris
Aspect 2: Functions and roles of the Board of Commissioners
Prinsip 3: Memperkuat Keanggotaan dan Komposisi Dewan Komisaris
Principle 3: Strengthening the Membership and Composition of the Board of Commissioners
Rekomendasi 3.1: Pemenuhan: Penerapan:
Penentuan jumlah anggota Dewan Komisaris Terpenuhi Bank Sinarmas memiliki kebijakan penetapan calon anggota Direksi, Dewan
mempertimbangkan kondisi Perusahaan Terbuka. Komisaris, dan/atau Dewan Pengawas Syariah sebagai pedoman bagi Komite
Remunerasi dan Nominasi dalam proses nominasi anggota Dewan Komisaris dengan
mempertimbangkan kebutuhan, kondisi, dan kemampuan Bank. Per 31 Desember
2023, Bank Sinarmas memiliki 3 orang Dewan Komisaris, dengan 2 orang di
antaranya merupakan Komisaris Independen. Jumlah anggota Dewan Komisaris tidak
melebihi jumlah anggota Direksi.
Recommendation 3.1: Fulfillment: Implementation:
Determination of the number of the Boards of Fulfilled Bank Sinarmas has established the Policy Determine Candidates for members of the
Commissioners considers the condition of the Public Board of Directors, members of the Board of Commissioners, and/or members of
Company. the Sharia Supervisory Board as a guideline for the Remuneration and Nomination
Committee in the nomination process for members of the Board of Commissioners
by considering the needs, conditions, and capabilities of the Bank. As of December
31, 2023, Bank Sinarmas has 3 members of the Board of Commissioners, with 2 of
whom are Independent Commissioners. The number of members of the Board of
Commissioners does not exceed the number of members of the Board of Directors.
Rekomendasi 3.2: Pemenuhan: Penerapan:
Penentuan komposisi anggota Dewan Komisaris Terpenuhi Dewan Komisaris Bank Sinarmas memiliki beragam latar belakang pendidikan, keahlian,
memperhatikan keberagaman keahlian, pengetahuan, pengetahuan, dan pengalaman yang diperlukan untuk mendukung efektivitas
dan pengalaman yang dibutuhkan. pengawasan terhadap perkembangan bisnis Bank.
Recommendation 3.2: Fulfillment: Implementation:
Determination of the composition of members of Fulfilled The Board of Commissioners of Bank Sinarmas has diverse educational backgrounds,
the Board of Commissioners considers the diversity expertise, knowledge, and experience that are required to support supervisory
of skills, knowledge, and experience required. duties in the development of the Bank’s business.
Prinsip 4: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris
Principle 4: Improving the Quality of the Implementation of Duty and Responsibility of the Board of Commissioners
Rekomendasi 4.1: Pemenuhan: Penerapan:
Dewan Komisaris mempunyai kebijakan penilaian Terpenuhi Penilaian kinerja Dewan Komisaris dilakukan melalui self-assessment GCG, sebagai
sendiri (self-assessment) untuk menilai kinerja bagian dari penilaian GCG yang sesuai dengan Peraturan Otoritas Jasa Keuangan
Dewan Komisaris. No. 4/POJK.03/2016.
Recommendation 4.1: Fulfillment: Implementation:
The Board of Commissioners has a self-assessment Fulfilled Performance assessment of the Board of Commissioners is carried out through
policy to assess the performance of the Board of GCG self-assessment, as part of GCG assessment which is in line with the Financial
Commissioners. Services Authority Regulation No. 4/POJK.03/2016.
Rekomendasi 4.2: Pemenuhan: Penerapan:
Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Uraian lengkap terkait penilaian kinerja Dewan Komisaris telah diungkapkan dalam
menilai kinerja Dewan Komisaris, diungkapkan melalui Laporan Tahunan dan Keberlanjutan ini.
Laporan Tahunan Perusahaan Terbuka.
Recommendation 4.2: Fulfillment: Implementation:
Performance assessment of the Board of Fulfilled The complete description related to the assessment of the Board of Commissioners’
Commissioners is carried out through GCG self- performance has been disclosed in this Annual and Sustainability Report.
assessment, as part of GCG assessment which is in line
with the Financial Services Authority Regulation No. 4/
POJK.03/2016.
Rekomendasi 4.3: Pemenuhan: Penerapan:
Dewan Komisaris mempunyai kebijakan terkait Terpenuhi Kebijakan pengunduran diri Dewan Komisaris tercantum dalam Pedoman Dewan
pengunduran diri anggota Dewan Komisaris apabila Komisaris yang ditetapkan melalui Surat Keputusan SK.041/2018/PRESDIR tentang
terlibat dalam kejahatan keuangan. Pedoman Dewan Komisaris Rev 2.0 PT. Bank Sinarmas Tbk.
Recommendation 4.3: Fulfillment: Implementation:
The Board of Commissioners has a policy related Fulfilled The resignation policy of the Board of Commissioners is outlined on Guidelines of the
to the resignation of members of the Board of Board of Commissioners established through Decision Letter SK.041/2018/PRESDIR
Commissioners if they are involved in financial crimes. on Guidelines of the Board of Commissioners Rev 2.0 of PT. Bank Sinarmas Tbk.
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Rekomendasi 4.4: Pemenuhan: Penerapan:
Dewan Komisaris atau Komite yang menjalankan Terpenuhi Kebijakan terkait nominasi Direksi ditetapkan melalui Surat Keputusan
Fungsi Nominasi dan Remunerasi menyusun kebijakan No.SK.046/2019/ PRESDIR-CorSec tentang Piagam Remunerasi dan Nominasi Revisi
suksesi dalam proses nominasi anggota Direksi. 3.0 PT. Bank Sinarmas Tbk.
Recommendation 4.4: Fulfillment: Implementation:
The Board of Commissioners or Committee in charge Fulfilled Policy related to the nomination of the Board of Directors is ratified through the
of the Nomination and Remuneration Function Decree No.SK.046/2019/PRESDIR-CorSec on the Remuneration and Nomination
formulates a succession policy in the process of Charter Revision 3.0 of PT. Bank Sinarmas Tbk.
nominating members of the Board of the Directors.
Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Functions and Roles of the Board of the Directors
Prinsip 5: Memperkuat Keanggotaan dan Komposisi Direksi
Principle 5: Strengthening the Membership Composition of the Board of Directors
Rekomendasi 5.1: Pemenuhan: Penerapan:
Penentuan jumlah anggota Direksi mempertimbangkan Terpenuhi Bank Sinarmas memiliki kebijakan penetapan calon anggota Direksi, Dewan
kondisi perusahaan terbuka, serta efektivitas dalam Komisaris, dan/atau Dewan Pengawas Syariah sebagai pedoman bagi Komite
pengambilan keputusan. Remunerasi dan Nominasi dalam proses nominasi anggota Direksi dengan
mempertimbangkan kebutuhan, kondisi, dan kemampuan Bank. Per 31 Desember
2023, Direksi Bank beranggotakan 9 orang, disesuaikan dengan kompleksitas Bank.
Jumlah tersebut lebih banyak dari anggota Dewan Komisaris.
Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank Sinarmas mengalami
perubahan sebagai hasil dari efektifnya pemisahan Unit Usaha Syariah. Dengan
demikian, komposisi anggota Direksi Bank pada saat Laporan Tahunan ini
diterbitkan, yakni:
Direktur Utama : Frenky Tirtowijoyo
Direktur : Miko Andidjaja
Direktur : Ekajaya Ongny Putra
Direktur : Enny Kamal
Direktur : Sendy
Recommendation 5.1: Fulfillment: Implementation:
Determination of the number of members of the Fulfilled Bank Sinarmas has established the policy for determining candidates for members of
Board of Directors considers the condition of the the Board of Directors, the Board of Commissioners, and/or Sharia Supervisory Board
Public Company, as well as effectiveness in decision- as a guideline for the Remuneration and Nomination Committee in the nomination
making. process of members of the Board of Directors by considering needs, conditions, and
capabilities of the Bank. As of December 31, 2023, the Board of Directors of the Bank
consists of 9 members, which is adjusted to the complexity of the Bank. The number
can be more than the number of members of the Board of Commissioners.
On January 1, 2024, the composition of the Bank Sinarmas Board of Directors
underwent changes due to the effective separation of the Sharia Business Unit.
Therefore, the composition of the Bank's Board of Directors at the time of issuing this
Annual Report is as follows:
President Director : Frenky Tirtowijoyo
Director : Miko Andidjaja
Director : Ekajaya Ongny Putra
Director : Enny Kamal
Director : Sendy
Rekomendasi 5.2: Pemenuhan: Penerapan:
Penentuan komposisi anggota Direksi Terpenuhi Direksi Bank Sinarmas memiliki beragam latar belakang pendidikan, keahlian,
memperhatikan, keberagaman keahlian, pengetahuan, dan pengalaman yang diperlukan untuk mengoptimalkan
pengetahuan, dan pengalaman yang dibutuhkan. pengambilan keputusan dan meningkatkan kinerja Bank.
Recommendation 5.2: Fulfillment: Implementation:
Determination of the membership composition of Fulfilled The Board of Director of Bank Sinarmas has diverse educational background, skills,
the Board of Directors considers the diversity of knowledge, and experience required to optimize the decision-making and improve
skills, knowledge, and experience required. the Bank’s performance.
Rekomendasi 5.3: Pemenuhan: Penerapan:
Anggota Direksi yang membawahi bidang akuntansi Terpenuhi Bapak Frenky Tirtowijoyo selaku Direktur yang membawahi bidang akuntansi
atau keuangan memiliki keahlian dan/atau dan keuangan memiliki latar belakang pendidikan, pengetahuan, keahlian serta
pengetahuan di bidang akuntansi. pengalaman, sebagaimana telah diungkapkan pada uraian Profil Direksi dalam
Laporan Tahunan dan Keberlanjutan ini.
Recommendation 5.3: Fulfillment: Implementation:
Members of the Board of Directors in charge Fulfilled Mr. Frenky Tirtowijoyo, as the Director in charge of accounting and finance
of accounting or finance have expertise and/or department, has educational background, knowledge, expertise, and experience,
knowledge in accounting. as disclosed in the Director’s Profile section of this Annual and Sustainability Report.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Prinsip 6: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi
Principle 6: Improving the Quality of the Implementation of Duty and Responsibility of the Board of Directors
Rekomendasi 6.1: Pemenuhan: Penerapan:
Direksi mempunyai kebijakan penilaian sendiri (self- Terpenuhi Penilaian kinerja Direksi dilakukan melalui self-assessment GCG, sebagai bagian
assessment) untuk menilai kinerja Direksi. dari penilaian GCG yang sesuai dengan Peraturan Otoritas Jasa Keuangan No. 4/
POJK.03/2016.
Recommendation 6.1: Fulfillment: Implementation:
The Board of Directors has a self-assessment policy Fulfilled Assessment of the Board of Directors is carried out through GCG self-assessment,
to assess performance of the Board of Directors. as part of GCG assessment in line with the Financial Services Authority Regulation
No.4/POJK.03/2016.
Rekomendasi 6.2: Pemenuhan: Penerapan:
Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Uraian lengkap terkait penilaian kinerja Direksi telah diungkapkan dalam Laporan
menilai kinerja Direksi, diungkapkan melalui Laporan Tahunan dan Keberlanjutan ini.
Tahunan Perusahaan Terbuka.
Recommendation 6.2: Fulfillment: Implementation:
The self-assessment policy to assess performance Fulfilled The complete description related to the assessment of the Board of Directors
of the Board of Directors is disclosed in the Annual performance has been disclosed in this Annual and Sustainability Report.
Report of the Public Company.
Rekomendasi 6.3: Pemenuhan: Penerapan:
Direksi mempunyai kebijakan terkait pengunduran Terpenuhi Kebijakan pengunduran diri Direksi tercantum dalam Pedoman Direksi Rev
diri anggota Dewan Komisaris apabila terlibat dalam 2.0/2018.
kejahatan keuangan.
Recommendation 6.3: Fulfillment: Implementation:
The Board of Directors has a policy related to Fulfilled The resignation policy of the Board of Directors is outlined in the Board of Directors
the resignation of members of the Board of Guidelines Rev 2.0/2018.
Commissioners if they are involved in financial crimes.
Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholders Participation
Prinsip 7: Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan
Principle 7: Improving Corporate Governance Aspects through Stakeholders Particpation
Rekomendasi 7.1: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki kebijakan untuk Terpenuhi Kebijakan untuk mencegah insider trading tercantum dalam Kode Etik dan
mencegah terjadinya insider trading. Pedoman Tingkah Laku yang telah diunggah pada situs web Bank.
Recommendation 7.1: Fulfillment: Implementation:
The Public Company has a policy to prevent insider Fulfilled The policy to prevent insider trading is outlined in the Code of Ethics and Conduct,
trading. which has been uploaded to the Bank’s website.
Rekomendasi 7.2: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki kebijakan anti korupsi Terpenuhi Bank Sinarmas telah memiliki ketentuan internal terkait anti penyuapan yang diatur
dan anti-fraud. pada Surat Keputusan No. SK.039/2021/Dir1-Comp tentang SOP Sistem Manajemen
Anti Penyuapan. SOP Sistem Manajemen Anti Penyuapan ini merupakan bentuk
pernyataan prinsip dan komitmen Bank Sinarmas dalam mendukung praktik anti suap
di lingkungan Bank Sinarmas. Selain itu, SOP Sistem Manajemen Anti Penyuapan
berfungsi sebagai informasi atau panduan oleh Manajemen, karyawan, dan/
atau pihak-pihak yang bekerja untuk dan atas nama Bank Sinarmas tentang cara
mengenali, memahami, menyampaikan, dan menangani masalah suap.
Kebijakan Anti-Fraud Bank merupakan landasan pokok penerapan strategi Anti-
Fraud melalui 4 pilar sistem pengendalian fraud, yaitu Pencegahan Fraud, Deteksi
Fraud, Investigasi, Pelaporan dan Pengenaan Sanksi Fraud, Pemantauan, Evaluasi,
serta Tindak Lanjut Fraud. Kerangka kerja Anti-Fraud Bank Sinarmas dibangun
berlandaskan tata kelola perusahaan (corporate governance) dengan penerapan
yang berfokus pada pengendalian fraud, budaya etika yang didukung dengan kode
etik (code of conduct), anti-fraud culture & awareness, serta whistleblowing system.
Recommendation 7.2: Fulfillment: Implementation:
The Public Company has anti-corruption and Fulfilled Bank Sinarmas has established internal regula-tions regarding anti-bribery as
anti-fraud policies. outlined in Deci-sion Letter No. SK.039/2021/Dir1-Comp on the SOP Anti-Bribery
Management System. This SOP Anti-Bribery Management System serves as a
declaration of principles and commitment by Bank Sinarmas to support anti-bribery
prac-tices within its environment. Additionally, it serves as information or guidance
for Manage-ment, employees, and/or parties working for and on behalf of Bank
Sinarmas on how to rec-ognize, understand, report, and address brib-ery issues.
The Bank's Anti-Fraud Policy forms the founda-tion of implementing an Anti-Fraud
strategy through four pillars of fraud control: Fraud Pre-vention, Fraud Detection,
Investigation, Re-porting, and Sanctioning, Monitoring, Evalua-tion, and Follow-
up of Fraud. The framework of Bank Sinarmas' Anti-Fraud is built on corpo-rate
governance principles with a focus on fraud control, ethical culture supported by
a code of conduct, anti-fraud culture & aware-ness, and a whistleblowing system.
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Rekomendasi 7.3: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki kebijakan tentang Terpenuhi Kebijakan Manajemen Vendor telah diunggah pada situs web Bank. Kebijakan ini
seleksi dan peningkatan kemampuan pemasok atau meliputi tata cara pemilihan vendor, hubungan dengan vendor, pembelian barang
vendor. dan sistem pembayaran.
Recommendation 7.3: Fulfillment: Implementation:
The Public Company has a policy regarding the Fulfilled Vendor Management Policy has been uploaded to the Bank’s website. The policy
selection and capacity building of suppliers or covers procedures for selecting vendors, relationships with vendors, purchase of
vendors. goods, and payment systems.
Rekomendasi 7.4: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki kebijakan tentang Terpenuhi Bank memiliki perjanjian yang mengatur hak-hak kreditur.
pemenuhan hak-hak kreditur.
Recommendation 7.4: Fulfillment: Implementation:
The Public Company has a policy to fulfill creditors’ Fulfilled The Bank has an agreement regulating creditors’ rights.
rights.
Rekomendasi 7.5: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki kebijakan sistem Terpenuhi Kebijakan Whistleblowing System telah diunggah pada situs web Bank. Kebijakan
whistleblowing. tersebut mencakup jenis pelanggaran yang dapat dilaporkan, cara pengaduan,
perlindungan dan jaminan kerahasiaan pelapor, penanganan pengaduan, pihak yang
mengelola aduan, hasil penanganan dan tindak lanjut pengaduan sesuai dengan
ketentuan Otoritas Jasa Keuangan. Uraian lengkap terkait Kebijakan Whistleblowing
System diungkapkan pada Laporan Tahunan.
Recommendation 7.5: Fulfillment: Implementation:
The Public Company has a whistleblowing system Fulfilled Whistleblowing System Policy has been uploaded to the Bank’s website. The policy
policy. covers types of violations that can be reported, the method of complaint, protection,
and assurance of the confidentiality of the whistleblower, handling of complaints,
the party managing complaints, the results of handling, and follow up of complaints
in accordance to the Financial Services Authority regulations. A comprehensive
description of the Whistle-blowing System policy is disclosed in the Annual Report.
Rekomendasi 7.6: Pemenuhan: Penerapan:
Perusahaan Terbuka memiliki kebijakan pemberian Terpenuhi Bank Sinarmas telah memiliki Kebijakan Remunerasi Variabel bagi Direksi dan Karyawan
insentif jangka panjang kepada Direksi dan yang masuk dalam kriteria material risk takers, dengan menerapkan deferral sebagian
karyawan. nominal dari Bonus Tahunan selama 3 tahun sejalan dengan POJK 45/2015. Kebijakan
tersebut telah diatur pada Surat Keputusan No. SK.60/2021/PRESDIR tentang Kebijakan
Remunerasi Dewan Komisaris dan Direksi.
Recommendation 7.6: Fulfillment: Implementation:
The Public Company has a policy for providing Fulfilled Bank Sinarmas has a Variable Remuneration Policy for the Board of Directors and
long-term incentives to the Board of Directors and Employees who are included in the criteria of material risk takers, by applying deferral
Employees. of a nominal portion of the Annual Bonus for 3 years in line with POJK 45/2015. The
policy has been regulated in Decree No. SK.60/2021/PRESDIR on Remuneration Policy
of the Board of Commissioners and Board of Directors.
Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8: Meningkatkan Pelaksanaan Keterbukaan Informasi
Principle 8: Improving the Implementation of Information Disclosure
Rekomendasi 8.1: Pemenuhan: Penerapan:
Perusahaan Terbuka memanfaatkan penggunaan Terpenuhi Selain situs web perusahaan, Bank Sinarmas juga memanfaatkan teknologi
teknologi informasi secara lebih luas selain situs web informasi lainnya, seperti e-mail, media cetak, media sosial (seperti Instagram,
sebagai media keterbukaan informasi. Facebook, X, Instagram, Tiktok, LinkedIn, dan Youtube), layar/TV di kantor cabang,
ATM, dan SIMOBI sebagai saluran media untuk keterbukaan informasi.
Recommendation 8.1: Fulfillment: Implementation:
The Public Company takes advantage of the use of Fulfilled In addition to the company's website, Bank Sinarmas also utilizes various other
information technology more broadly in addition to information technologies, such as email, print media, social media platforms (including
the website as a medium for information disclosure. Instagram, Face-book, X, Instagram, TikTok, LinkedIn, and YouTube), screens/TVs in
branch offices, ATMs, and SIMOBI as media channels for information disclosure.
Rekomendasi 8.2: Pemenuhan: Penerapan:
Laporan Tahunan Perusahaan Terbuka Terpenuhi Bank telah mengungkapkan informasi mengenai Pemegang Saham yang memiliki
mengungkapkan pemilik manfaat akhir dalam 5% atau lebih saham Bank dalam Laporan Tahunan dan Keberlanjutan pada bagian
kepemilikan saham perusahaan terbuka paling Komposisi Pemegang Saham.
sedikit 5%, selain pengungkapan pemilik manfaat
akhir dalam kepemilikan saham Perusahaan Terbuka
melalui Pemegang Saham Utama dan Pengendali.
Recommendation 8.2: Fulfillment: Implementation:
The Annual Report of the Public Company discloses the Fulfilled The Bank has disclosed information related to Stakeholders with 5% or more of the
ultimate beneficiaries in the Public Company’s share Bank’s shares in the Shareholders Composition section.
ownership of at least 5%, in addition to the disclosure
of the ultimate beneficiaries in the Public Company
through the major and controlling shareholders.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Penilaian Penerapan GCG Tahun 2023 Assessment on GCG Implementation in 2023
Bank Sinarmas melaksanakan penilaian sendiri (self-assessment) Bank Sinarmas has conducted self-assessment as evidence of the
sebagai bukti kepatuhan Bank terhadap Peraturan Otoritas Jasa Bank’s compliance with Financial Services Authority Regulation
Keuangan No. 17 tahun 2023 dan Surat Edaran Otoritas Jasa No. 17 of 2023 and Financial Services Authority Circular Letter
Keuangan No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola No. 13/SEOJK.03/2017 on the Implementation of Governance for
bagi Bank Umum. Penilaian tersebut dilaksanakan 2 kali dalam 1 Commercial Banks. This assessment is conducted twice a year,
tahun, yakni pada Juni dan Desember. namely in June and December
Pelaksana Penilaian Assessor
Self-assessment GCG dilakukan secara internal dengan melibatkan GCG self-assessment is conducted internally involving the Board
Dewan Komisaris, Direksi, Pejabat Eksekutif, dan unit-unit of Commissioners, the Board of Directors, Executive Officers, and
independen di Bank. Keterlibatan berbagai pihak yang relevan ini independent units within the Bank. The involvement of the many
bertujuan untuk menghasilkan evaluasi yang komprehensif dan relevant parties is to generate a comprehensive and structured
terstruktur terhadap efektivitas sistem tata kelola serta kualitas evaluation on the effectiveness of the governance system and the
hasil tata kelola Bank. quality of the Bank’s governance results.
Kriteria Penilaian Assessment Criteria
Pelaksanaan self-assessment Bank Sinarmas dilakukan secara The implementation of self-assessment by Bank Sinarmas is
komprehensif dan terstruktur, mengacu pada kriteria yang tercantum conducted comprehensively and in structured manner, referring
dalam Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 to the criteria stated in Financial Services Authority Circular Letter
tentang Penerapan Tata Kelola Bagi Bank Umum. Berdasarkan No. 13/SEOJK.03/2017 on the Implementation of Governance for
peraturan tersebut, penilaian dilakukan dengan mempertimbangkan Commercial Banks. Based on this regulation, the assessment is
11 faktor penilaian penerapan GCG, terdiri dari: conducted considering 11 factors for assessing the implementation
of GCG, which are:
1. Pelaksanaan Tugas dan Tanggung Jawab Direksi; 1. Implementation of Duties and Responsibilities of the Board of
Directors;
2. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris; 2. Implementation of Duties and Responsibilities of the Board of
Commissioners;
3. Kelengkapan dan Pelaksanaan Tugas Komite; 3. Comprehensiveness and implementation of the Committee’s
duties;
4. Penanganan Benturan Kepentingan; 4. Handling of conflicts of interest;
5. Penerapan Fungsi Kepatuhan Bank; 5. Implementation of the Bank’s Compliance Functions;
6. Penerapan Fungsi Audit Internal; 6. Implementation of the Internal Audit Function;
7. Penerapan Fungsi Audit Ekstern; 7. Implementation of External Audit Function;
8. Penerapan Fungsi Manajemen Risiko dan Pengendalian 8. Implementation of the Risk Management and Internal Control
Internal; Function;
9. Penyediaan Dana Kepada Pihak Terkait (Related Party) dan 9. Provision of funds to related party and large exposures;
Debitur Besar (Large Exposures);
10. Transparansi Kondisi Keuangan dan Non-Keuangan Bank, 10. Transparency of the Bank’s Financial and Non-Financial
Laporan Pelaksanaan GCG dan Laporan Internal; dan Conditions, Reports on the Implementation of GCG and
internal reporting; and
11. Rencana Strategis Bank. 11. The Bank’s strategic plan.
Hasil Penilaian Assessment Results
Hasil penilaian self-assessment Bank Sinarmas untuk tahun 2023 The result of the self-assessment of Bank Sinarmas for 2023 is
adalah “Baik”, dengan rincian sebagai berikut. ‘Good’ with following details.
Faktor Penilaian Tata Kelola Peringkat (Nilai)
Governance Assessment Factors Rating (Score)
Pelaksanaan Tugas dan Tanggung Jawab Direksi / Implementation of Duties and Responsibilities of the Board of Directors 2
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris / Implementation of Duties and Responsibilities of the
2
Board of Commissioners
Kelengkapan dan Pelaksanaan Tugas Komite / Comprehensiveness and Implementation of the Committee’s Duties 2
Penanganan Benturan Kepentingan / Handling of Conflicts of Interest 2
Penerapan Fungsi Kepatuhan Bank / Implementation of the Bank’s Compliance Function 2
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Faktor Penilaian Tata Kelola Peringkat (Nilai)
Governance Assessment Factors Rating (Score)
Penerapan Fungsi Audit Internal / Implementation of the Internal Audit Function 2
Penerapan Fungsi Audit Ekstern / Implementation of External Audit Function 2
Penerapan Fungsi Manajemen Risiko dan Pengendalian Internal / Implementation of the Risk Management and
2
Internal Control Function
Penyediaan Dana Kepada Pihak Terkait (Related Party) dan Debitur Besar (Large Exposures) / Provision of funds to
2
Related Party and Large Exposures
Transparansi Kondisi Keuangan dan Non-Keuangan Bank, Laporan Pelaksanaan GCG dan Laporan Internal / Transparency
2
of the Bank’s Financial and Non-Financial Conditions, Reports on the Implementation of GCG and Internal Reporting
Rencana Strategis Bank / The Bank’s Strategic Plan 2
Peringkat Komposit / Composite Rating 2
Analisis Analysis
Berdasarkan hasil self-assessment untuk periode pelaporan 2023, Based on the self-assessment results for 2023 reporting period, it
maka dapat disimpulkan bahwa penerapan GCG Bank berada can be concluded that the implementation of GCG at the Bank is
pada peringkat 2. ranked 2.
Analisis
Analysis
Pelaksanaan Tugas • Susunan anggota Direksi Bank berjumlah 9 orang yang terdiri • The composition of the Board of Directors of the Bank is 9
dan Tanggung dari 1 Direktur Utama, 8 Direktur; members consisting of 1 President Director, 8 Directors;
Jawab Direksi • Jumlah, komposisi, integritas, dan kompetensi anggota • The number, composition, integrity, and competency of
Implementation Direksi sesuai dengan ukuran dan kompleksitas usaha Bank members of the Board of Directors are in accordance with the
of Duties and serta telah memenuhi ketentuan yang berlaku; size and complexity of the Bank’s business and have met the
Responsibilities applicable regulations;
of the Board of • Anggota Direksi tidak memiliki rangkap jabatan sebagai • Members of the Board of Directors do not have concurrent
Directors Komisaris, Direksi, atau Pejabat Eksekutif pada Bank, position at other banks, companies, or institutions.
perusahaan, lembaga lainnya;
• Direksi telah memiliki Pedoman dan Tata Tertib Kerja. • The Board of Directors already has Work Guidelines and Code of
Pedoman Direksi mengatur tugas dan tanggung jawab Conduct. The Board of Directors’ guidelines regulate the duties
Direksi secara umum, sedangkan Tata Tertib Kerja Direksi and responsibilities of the Board of Directors in general, while
secara garis besar mengatur teknis dalam pelaksanaan tugas the Board of Directors’ Code of Conduct generally regulates the
dan tanggung jawab Direksi; technical implementation of the duties and responsibilities of the
Board of Directors
• Pelaksanaan tugas dan tanggung jawab Direksi berjalan efektif • The implementation of duties and responsibilities of the
dan memenuhi prinsip-prinsip Tata Kelola; Board Directors is effectively sufficient and comply with the
principles of Governance;
• Direksi telah menyelenggarakan rapat dengan efektif dan • The Board of Directors has held meetings effectively and
efisien dan hasil rapat dituangkan dalam risalah rapat serta efficiently and the results of the meetings are properly
didokumentasikan dengan baik; dan documented; and
• Aspek transparansi anggota Direksi cukup baik dan tidak pernah • The transparency aspects of members of the Board of
melanggar ketentuan/perundangan yang berlaku. Directors is quite appropriate and never contradicts the
applicable provisions/law.
Pelaksanaan Tugas • Jumlah, komposisi, integritas, dan kompetensi anggota Dewan • The number, composition, integrity and competence of
dan Tanggung Komisaris telah sesuai dengan ketentuan yang berlaku; members of the Board of Commissioners are in accordance
Jawab Dewan with applicable regulations;
Komisaris • Dewan Komisaris tidak merangkap jabatan sebagai Komisaris, • The Board of Commissioners does not have concurrent positions
Implementation Direksi, atau Pejabat Eksekutif pada Bank lain; as a Commissioner, Director, or Executive Officer at other banks;
of Duties and • Dewan Komisaris telah memiliki Pedoman dan Tata Tertib Kerja • The Board of Commissioners already has Work Guidelines
Responsibilities yang antara lain mencantumkan mengenai keanggotaan, and Code of Conduct which, among other things, include
of the Board of masa jabatan, nilai-nilai, ketentuan rapat secara umum, waktu membership, term of office, values, general meeting
Commissioners kerja, dan lain sebagainya; provisions, working hours, and so on;
• Pelaksanaan tugas dan tanggung jawab Dewan Komisaris • The implementation of duties and responsibilities of the
telah berjalan efektif sesuai dengan Anggaran Dasar Bank; Board of Commissioners has been carried out effectively in
accordance with the Bank’s Article of Association;
• Dalam melaksanakan fungsi pengawasan, Dewan Komisaris • In carrying out its supervisory function, the Board of
telah membentuk Komite Audit, Komite Pemantau Risiko, Commissioners has established the Audit Committee, Risk
serta Komite Remunerasi dan Nominasi; Monitoring Committee, as well as the Remuneration and
Nomination Committee;
• Dewan Komisaris telah menyelenggarakan rapat dengan • The Board of Commissioners has held meetings effectively and
efektif dan efisien serta hasil rapat telah dituangkan dalam efficiently and the results of the meetings have been recorded
notulen rapat dan di administrasikan dengan baik; dan in the minutes of meetings and properly administered; and
• Aspek transparansi anggota Dewan Komisaris cukup baik dan • The Transparency aspect of the members of the Board of
telah sesuai dengan ketentuan yang berlaku. Commissioners is quite appropriate and is in accordance with
applicable regulations.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Analisis
Analysis
Kelengkapan dan • Komposisi dan kompetensi seluruh anggota Komite-Komite • The composition and competence of all members of
Pelaksanaan Tugas telah memenuhi ketentuan regulator; Committees have met the Regulators’ requirements;
Komite • Komite Audit, Komite Pemantau Risiko, serta Komite • The Audit Committee, Risk Monitoring Committee, and the
Comprehensiveness Remunerasi dan Nominasi telah menjalankan fungsinya Remuneration and Nomination Committee have carried out their
and Implementation dengan efektif tergambar dari Rapat Komite yang telah functions effectively as reflected in the Committee meetings,
of Committee’s dilaksanakan sesuai dengan agenda yang ditetapkan; which have been held in accordance with the set agenda;
duties • Tugas dan tanggung jawab Komite secara keseluruhan • The duties and responsibilities of Committee as a whole are
berjalan efektif; running effectively;
• Hasil Rapat Komite merupakan rekomendasi yang dapat • The Committee Meeting results are recommendations
dimanfaatkan dan menjadi masukan bagi Dewan Komisaris that can be utilized and serve as input for the Board of
dalam melakukan fungsi pengawasan; Commissioners in performing their supervisory function;
• Hasil rapat Komite dituangkan dalam risalah rapat dan • The results of Committee meetings are always stated in the
didokumentasikan dengan baik, sampai saat ini tidak terjadi minutes of meetings and well documented, so far there no
perbedaan pendapat (dissenting opinions) dissenting opinions.
Penanganan • Bank telah memiliki kebijakan, sistem, dan prosedur • The Bank has established policies, systems, and procedures to
Benturan penyelesaian benturan kepentingan pada Surat Keputusan resolve conflicts of interest in the Decree No. SK.053/2020/
Kepentingan No. SK.053/2020/PRESDIR-CorSec tentang Transaksi Afiliasi PRESDIR-CorSec on Affiliated Transaction and Transactions
Handling of Conflicts dan Transaksi Benturan Kepentingan serta Transaksi Material with Conflicts of Interest as well as Material Transactions and
of Interest dan Perubahan Kegiatan Usaha yang mengatur tentang Changes in Business Activities, which regulate transaction
transaksi yang mengandung benturan kepentingan dan tertib that contain conflicts of interest and the administration that
administrasi yang harus dilakukan; dan must be carried out; and
• Bank mampu menghindari potensi terjadinya benturan • The Bank is able to avoid potential conflicts of interest.
kepentingan.
Penerapan Fungsi • Satuan Kerja Kepatuhan dalam menjalankan fungsinya • In carrying out its function, the Compliance Work Unit is
Kepatuhan Bank bersifat Independen terhadap satuan kerja operasional; independent from operational work units;
Implementation • Satuan Kerja Kepatuhan telah mendukung pelaksanaan tugas • The Compliance Work Unit has supported the implementation
of the Bank’s dan tanggung jawab Direktur Kepatuhan sesuai dengan of duties and responsibilities of the Compliance Director in
Compliance Function peraturan yang berlaku; accordance with applicable regulations;
• Satuan Kerja Kepatuhan memberikan opini kepatuhan untuk • The Compliance Work Unit provides compliance opinions to
memastikan bahwa kebijakan, ketentuan, sistem dan prosedur, ensure that the policies, regulations, systems and procedures,
serta kegiatan usaha Bank telah sesuai dengan ketentuan as well as the business activities of the Bank, comply with the
Otoritas Jasa Keuangan dan peraturan perundangan-undangan; Financial Services Authority provisions and laws;
• Satuan Kerja Kepatuhan bersama Direktur yang membawahi • The Compliance Work Unit and Director in charge of
kepatuhan serta seluruh pemangku kepentingan senantiasa compliance as well as all stakeholders always implement a
menerapkan Budaya Kepatuhan yang lebih baik; dan better Compliance Culture; and
• Satuan Kerja Kepatuhan telah menyampaikan Laporan • The Compliance Work Unit has submitted the Report on the
Pelaksanaan Tugas dan Tanggung Jawab Direktur yang Implementation of Duties and Responsibilities of Director
membawahi kepatuhan sesuai dengan ketentuan regulator in charge of compliance in accordance with regulatory
dan disampaikan secara tepat waktu. provisions and submitted it in a timely manner.
Penerapan Fungsi • Satuan Kerja Audit Internal (SKAI) secara struktur berada di • The position of the Internal Audit Work Unit (IAU) is
Audit Internal bawah Direktur Utama dan independen terhadap satuan structurally under the President Director and operates
Implementation kerja operasional; independently from operational units;
of Internal Audit • Fungsi Audit Internal Bank telah berjalan efektif pada seluruh • The Bank’s Internal Audit Function has been effective in all
Function aspek kegiatan sebagaimana diatur dalam Pedoman Kerja aspects of activities as stipulated in the Internal Audit Work
dan metodologi Internal audit; Guidelines and methodology;
• SKAI melakukan pemantauan dan analisis terhadap tindak • IAU monitors and analyzes follow up improvement carried
lanjut perbaikan yang dilakukan auditee; out by auditee;
• SKAI telah bertindak objektif dalam melakukan audit; dan • IAU has been objective in conducting audit; and
• Bank terus berupaya untuk meningkatkan sistem pengendalian • The Bank continues to strive to improve the internal control
intern agar dapat dijalankan secara efektif dan efisien, dan system to ensure that it can be carried out effectively and
prosedur pengawasan dilaksanakan tanpa pengecualian. efficient, and the supervision procedures are carried out
without exception.
Penerapan Fungsi • Penugasan Bank kepada akuntan publik (AP) dan kantor • The Bank’s assignment to the Public Accountant (PA) and Public
Audit Ekstern akuntan publik (KAP) telah memenuhi standar yang berlaku Accountant Office (PA Office) has met generally accepted
Implementation umum baik dari aspek kapasitas KAP, legalitas perjanjian kerja, standards both in term of PA Office capacity, legality of the
of External Audit ruang lingkup audit, dan standar profesional akuntan publik work agreement, scope of audit, and professional standards of
Function (SPAP) yang telah tertuang dalam perjanjian kerja tertulis; the public accountant set forth in the written work agreement;
• Bank telah menunjuk AP dan KAP yang telah terdaftar di • The Bank has appointed an PA and PA Office that have been
Otoritas Jasa Keuangan; registered with the Financial Services Authority;
• Pelaksanaan audit oleh AP dan KAP yang ditunjuk dilakukan • The Implementation of audit by appointed PA and PA Office is
secara independen dan memenuhi kriteria yang ditetapkan; carried out independently and meets the established criteria;
• AP telah melaksanakan audit secara independen dan • PA has carried out the audit independently and professionally;
profesional; dan and
• Hasil audit dan management letter telah disampaikan kepada • Audit results and management letter has been submitted to
Otoritas Jasa Keuangan oleh KAP yang ditunjuk. Financial Services Authority by the appointed PA Office.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Analisis
Analysis
Penerapan Fungsi • Bank telah memiliki struktur organisasi yang memadai untuk • The Bank has established an adequate organizational
Manajemen Risiko mendukung penerapan manajemen risiko dan pengendalian structure to support the implementation of risk management
dan Pengendalian intern; and internal control;
Internal • Dewan Komisaris telah mengevaluasi dan menyetujui • The Board of Commissioners has evaluated and approved the
Implementation kebijakan yang akan digunakan sebagai pedoman dalam policies that will be used as guidelines in the implementation
of the Risk penerapan manajemen risiko; of risk management;
Management and • Pelaksanaan review dan kaji ulang dilakukan secara berkala • Reviewing is carried out periodically according to the Bank’s
Internal Control sesuai kebutuhan Bank terhadap penanganan kelemahan- needs for handling weaknesses to ensure that there is no
Function kelemahan agar tidak terjadi pengaruh yang signifikan pada significant effect on the condition of the Bank;
kondisi Bank;
• Bank telah melakukan pengembangan Budaya Manajemen • The Bank has developed a Risk Management Culture,
Risiko, termasuk kesadaran risiko pada seluruh jenjang including risk awareness at all levels of the organization;
organisasi;
• Bank melakukan aktivitas bisnis yang sesuai dengan • The Bank conducts business activities in accordance with the
kemampuan permodalan untuk menyerap kemungkinan capital capacity to absorb possible risk of loss.
risiko kerugian.
Penyediaan Dana • Bank telah memiliki kebijakan, sistem, dan prosedur tertulis • The Bank has established policies, systems, and written
Kepada Pihak Terkait yang berkaitan dengan penyediaan dana kepada pihak procedures related on the provision of funds to related
(Related Party) dan terkait (related party) dan penyediaan dana besar (large party and large exposures as stipulated in Decree
Debitur Besar (Large exposure) sebagaimana tertuang pada Surat Keputusan No. No. SK.021/2023/DIR1-RMG Bank Credit Policy;
Exposures) SK.021/2023/DIR1-RMG tentang Kebijakan Perkreditan Bank;
Provision of Funds • Bank dalam mengambil keputusan terhadap penyediaan • The Bank makes decisions regarding fund provision
to Related Party and dana diputuskan oleh manajemen secara independen tanpa independently by management without intervention from
Large Exposures intervensi dari pihak terkait dan/atau pihak lainnya serta related parties and/or others, and such decisions are made
dilakukan berdasarkan kewenangan memutusnya; dan based on its decision-making authority; and
• Bank telah menyampaikan Laporan Penyediaan Dana kepada • The Bank has submitted reports on Provisions of Funds to
Pihak Terkait dan/atau Penyediaan Dana Besar kepada Related Party and/or Large Exposure to Financial Services
Otoritas Jasa Keuangan secara tepat waktu. Authority in a timely manner.
Transparansi Kondisi • Bank telah memiliki kebijakan dan prosedur mengenai tata • The Bank has established policies and procedures on the
Keuangan dan Non- cara pelaksanaan transparansi kondisi keuangan dan non- mechanism for implementing transparency of financial
Keuangan Bank, keuangan sebagaimana diatur pada Surat Keputusan Nomor and non-financial conditions as stipulated in Decree No.
Laporan Pelaksanaan SK.102/2021/PRESDIR-Corsec Tanggal 29 Oktober 2021 SK.102/2021/PRESDIR-Corsec dated October 29, 2021, on
GCG dan Laporan tentang Kebijakan Komunikasi dengan Pemegang Saham Communication Policy with Shareholders and Investors 1.0 of
Internal dan Investor Versi 1.0 PT. Bank Sinarmas Tbk.; PT. Bank Sinarmas Tbk.;
Transparency of • Bank telah transparan dalam menyampaikan informasi • The Bank has been transparent in submitting the Bank’s
the Bank’s Financial keuangan Bank dan non-keuangan Bank kepada pemangku financial and non-financial information to Stakeholders,
and Non-Financial kepentingan, termasuk mengumumkan Laporan Keuangan including announcing the Published Quarterly Financial
Conditions, Publikasi Triwulanan maupun Tahunan dan melaporkannya Reports and reporting them to the Financial Services Authority
Reports on the kepada Otoritas Jasa Keuangan atau pemangku kepentingan or Stakeholders in accordance with applicable regulations;
Implementation of sesuai ketentuan yang berlaku; • The Bank has established the procedures for customers
GCG and Internal • Bank telah memiliki tata cara pengaduan nasabah melalui complaints through the Bank’s website, call center, or
Reporting situs web Bank, call center, atau disampaikan melalui petugas submitted through Bank Officers in branch offices;
Bank di kantor cabang; • The scope of Governance Implementation Report has
• Cakupan Laporan Pelaksanaan Tata Kelola telah sesuai dengan complied with the provisions and includes applicable
ketentuan dan mencakup ketentuan yang berlaku; dan regulations; and
• Bank Telah menyampaikan Laporan Pelaksanaan Tata Kelola • The Bank has submitted the Governance Implementation
kepada Otoritas Jasa Keuangan secara tepat waktu dan Report to the Financial Services Authority in a timely manner
menyajikan Laporan Pelaksanaan Tata Kelola dalam situs and uploaded the Governance Implementation Report to the
web Bank. Bank’s website.
Rencana Strategis • Bank telah menyusun Rencana Bisnis (Business Plan) sesuai • The Bank has prepared Business Plan in accordance with the
Bank dengan Visi dan Misi Bank; Bank’s Vision and Mission;
The Bank’s Strategic • Rencana Bisnis Bank disusun secara realistis dengan • The Bank’s Business Plan is prepared realistically by considering
Plan memperhatikan faktor internal dan eksternal, prinsip kehati- internal and external factors, the prudence principle. And the
hatian, serta pencapaian kinerja Bank sebelumnya; achievement of the Bank’s previous performance;
• Penyusunan dan penyampaian Rencana Bisnis Bank telah • The preparation and submission of the Bank’s Business Plan is
berpedoman pada ketentuan Otoritas Jasa Keuangan; pursuant to the provisions of Financial Services Authority;
• Rencana Bisnis Bank menggambarkan pertumbuhan Bank • The Bank’s Business Plan describes the Bank’s sustainable
yang berkesinambungan; growth;
• Bank telah menyampaikan Rencana Bisnis Bank kepada • The Bank has submitted the Bank’s Business Plan to Financial
Otoritas Jasa Keuangan; dan Services Authority; and
• Rencana Bisnis Bank telah dikomunikasikan kepada Pemegang • The Bank’s Business Plan has been communicated to the
Saham Pengendali dan ke seluruh jenjang organisasi yang Controlling Shareholders and all organizational levels within
ada pada Bank. the Bank.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Berdasarkan analisis terhadap seluruh kriteria/indikator penilaian Based on the analysis of all the assessment criteria/indicators,
tersebut, dapat disimpulkan bahwa Tata Kelola Bank dapat dilihat it can be concluded that the Bank’s Governance can be viewed
dari Governance Structure, Governance Process, dan Governance from Governance Structure, Governance Process, and Governance
Outcome, sebagai berikut. Outcome, as follows.
Governance Structure
Secara umum pelaksanaan prinsip-prinsip Tata Kelola Bank Umum terkait Generally, the implementation of the Governance principles for Commercial
Governance Structure telah dilakukan sesuai ketentuan yang berlaku. Banks related to Governance Structure has been carried out in accordance
with applicable provisions.
Faktor Positif:
• Jumlah dan kriteria anggota Direksi dan Dewan Komisaris (Independen Positive Factors:
dan Non-Independen) Bank Sinarmas telah memenuhi prinsip-prinsip • The number and criteria of members of the Board of Directors and the
Tata Kelola Bank Umum sebagaimana tercantum pada ketentuan Tata Board of Commissioners (independent and non-independent) of Bank
Kelola yang berlaku; Sinarmas has complied with the Governance principles for Commercial
Banks as stipulated in the applicable Governance provisions;
• Penggantian dan/atau pengangkatan anggota Direksi telah • The replacement and/or appointment of members of the Board of
memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi; Directors has considered the recommendation from the Remuneration
• Seluruh anggota Direksi dan Dewan Komisaris memiliki integritas, and Nomination Committee;
kompetensi, dan reputasi keuangan yang memadai, dan telah lulus • All members of the Board of Directors and the Board of Commissioners
penilaian kemampuan dan kepatutan serta telah memperoleh surat have integrity, competence, and adequate financial reputation, and have
persetujuan dari Otoritas Jasa Keuangan; passed the assessment of their capabilities and suitability, as well as
• Direktur Utama berasal dari pihak yang independen dari Pemegang Saham obtaining approval from the Financial Services Authority;
Pengendali. Anggota Direksi dan Dewan Komisaris memiliki kompetensi • The President Director is independent of the Controlling Shareholders.
yang memadai dan relevan dengan jabatannya untuk menjalankan tugas Members of the Board of Directors and the Board of Commissioners
dan tanggung jawab serta mampu mengimplementasikan kompetensi have adequate and relevant competencies for their positions to carry out
yang dimiliki dalam pelaksanaan tugas dan tanggung jawab; dan duties and responsibilities and are able to implement their competencies
• Seluruh anggota Direksi dan Dewan Komisaris memiliki kemauan dan in carrying out their duties and responsibilities; and
kemampuan serta budaya pembelajaran secara berkelanjutan dalam • All members of the Board of Directors and Commissioners have the
rangka peningkatan pengetahuan tentang perbankan dan perkembangan determination, ability, and culture of continues learning to improve their
terkini terkait bidang keuangan/ lainnya yang mendukung pelaksanaan knowledge of banking and latest development in financial sector/others
tugasnya. that support the execution of their duties.
Faktor Negatif: Negative Factors:
Tidak terdapat kelemahan dalam pelaksanaan prinsip-prinsip Tata Kelola There is no weakness in the implementation of Governance principles for
Bank Umum terkait Governance Structure. Commercial Banks related to Governance Structure.
Governance Process
Secara umum Manajemen Bank telah menerapkan Governance Process Generally, the Bank’s Management has implemented the Governance
dengan baik, tercermin dari pemenuhan yang memadai atas prinsip GCG. Process well, reflected in the adequate fulfillment of GCG principles.
Faktor Positif: Positive Factors:
• Dewan Komisaris telah membentuk komite-komite yaitu Komite Audit, • The Board of Commissioners has established committees, namely the Audit
Komite Remunerasi dan Nominasi, dan Komite Pemantau Risiko. Direksi Committee, the Remuneration and Nomination Committee, and the Risk
telah membentuk komite-komite, yaitu Komite Manajemen Risiko, Monitoring Committee. The Board of Directors has established committees,
Komite Kredit, Komite Penyelesaian Kredit Bermasalah, Asset & Liability namely the Risk Management Committee, the Non-Performing Loan
Committee Committee (ALCO), Komite Information Technology (IT), dan Settlement Committee, Asset & Liability Committee (ALCO), Information
Komite Human Capital; Technology (IT) Committee, and the Human Capital Committee;
• Seluruh Dewan Komisaris (Independen dan Non Independen) diganti • All members of the Board of Commissioners (Independent and
dan/ atau diangkat dengan memperhatikan rekomendasi dari Komite non-independent) are replaced and/or appointed by considering
Remunerasi dan Nominasi serta memperoleh persetujuan dalam RUPS; recommendation from the Remuneration and Nomination Committee, as
well as obtaining approval at the GMS;
• Pengangkatan anggota komite-komite dilakukan oleh direksi berdasarkan • The appointment of committee members is carried out by the Board of
keputusan Rapat Dewan Komisaris; Directors based on the Board of Commissioners Meeting;
• Direksi dan Dewan Komisaris telah menerapkan prinsip-prinsip GCG pada • The Board of Directors and the Board of Commissioners have implemented
seluruh tingkatan/jenjang organisasi. Dalam mengelola Bank, Direksi GCG principles at all levels/ranks of the organization. In managing
memiliki tanggung jawab dan kewenangan sebagaimana diatur dalam the Bank, the Board of Directors has responsibilities and authorities as
Anggaran Dasar dan peraturan perundang-undangan, termasuk tapi regulated in the Articles of Association and law, including but not limited
tidak terbatas pada: to:
- Menindaklanjuti temuan audit dan rekomendasi dari audit internal - Following up audit findings and recommendations from internal and
maupun eksternal; external audit;
- Menyediakan data dan informasi yang lengkap, akurat, terkini, dan tepat - Providing comprehensive, accurate, up-to-date, and timely data and
waktu kepada Dewan Komisaris. information to the Board of Commissioners;
- Menetapkan kebijakan dan keputusan strategis melalui mekanisme - Determining strategic policies and decisions through the mechanism of
Rapat Direksi; the Board of Directors meeting;
- Mengimplementasikan manajemen risiko dan melakukan penugasan - Implementing risk management and engaging external audit (public
audit eksternal (akuntan publik) yang memenuhi aspek-aspek yang accountants) that meet aspects required by the Financial Services
dipersyaratkan oleh Otoritas Jasa Keuangan; Authority;
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
- Melakukan penilaian mandiri (self-assessment) secara berkala dan - Conducting periodic and comprehensive self-assessment on the
komprehensif terhadap kecukupan penerapan Tata Kelola sehingga adequacy of the implementation of Governance so that the Bank can
Bank dapat segera menetapkan action plan, yang meliputi tindakan promptly establish an action plan, which includes necessary correction
korektif yang diperlukan dalam hal masih terdapat kekurangan; actions in case of deficiencies;
- Menyusun dan menetapkan kebijakan, prosedur manajemen risiko - Preparing and determining policies, risk management procedures, and
dan penetapan limit risiko yang memadai disesuaikan dengan tujuan, setting adequate risk limit adjusted to the objectives, policies, size, and
kebijakan, ukuran, dan kompleksitas usaha serta kemampuan Bank; business complexity, as well as capability of the Bank;
- Menyampaikan kepada Otoritas Jasa Keuangan laporan penyediaan - Submitting the report on the provision of fund to related party to
dana kepada pihak terkait secara berkala dan tepat waktu; Financial Services Authority periodically and timely;
• Pengambilan keputusan rapat Direksi dan Dewan Komisaris telah • The decision-making of the Board of Directors and the Board of
dilakukan berdasarkan musyawarah untuk mufakat, atau suara terbanyak Commissioners meetings has been conducted based on deliberation for
apabila tidak terjadi musyawarah untuk mufakat. Setiap keputusan rapat consensus, or by majority vote if consensus cannot be reached. Each
yang diambil direksi dapat diimplementasikan, dan telah sesuai dengan decision made in the meetings can be implemented and is in accordance
kebijakan, pedoman, serta tata tertib kerja yang berlaku; with the policies, guidelines, and applicable work guidelines;
• Direksi dan dewan komisaris tidak mengambil dan/atau menerima • The Board of Directors and the Board of Commissioners do not take
keuntungan pribadi dari Bank selain remunerasi dan fasilitas lainnya and/or receive personal benefits from the Bank other than remuneration
yang ditetapkan RUPS, termasuk tidak ada anggota Direksi yang and other facilities determined by the GMS, including no members of
memanfaatkan Bank untuk kepentingan pribadi, keluarga, dan/atau the Board of Directors using the Bank for personal, family, and/or other
pihak lain yang dapat merugikan atau mengurangi keuntungan bank; interests that may harm or diminish the Bank’s profits;
• Pelaksanaan tugas dan tanggung jawab Direksi dan Dewan Komisaris • The implementation of duties and responsibilities of the Board of Directors
(Independen dan Non-Independen) telah dilakukan secara independen sesuai and the Board of Commissioners (Independent and Non-Independent) has
ketentuan yang berlaku dengan didukung oleh Satuan Kerja Kepatuhan, Risk been carried out independently in accordance with applicable provisions,
Management Group, dan Satuan Kerja Audit Internal; supported by the Compliance Work Unit, the Risk Management Work
Unit, and the Internal Audit Work Unit;
• Dalam mengelola Bank, Dewan Komisaris telah melaksanakan tugas • In managing the Bank, the Board of Commissioners has carried out the
untuk memastikan terselenggaranya prinsip GCG dalam setiap kegiatan task of ensuring the implementation of GCG principles in every business
usaha Bank pada seluruh tingkatan atau jenjang organisasi termasuk dan activity of the Bank at all levels or ranks of organization, including but not
tidak terbatas pada: limited to:
- Melaksanakan pengawasan secara berkala maupun sewaktu-waktu - Conducting periodic and ad-hoc supervision over the implementation
terhadap pelaksanaan tugas dan tanggung jawab Direksi serta of duties and responsibilities of the Board of Directors, as well as
memberi nasihat kepada Direksi; providing advice to the Board of Directors;
- Memberikan pengarahan, memantau, dan mengevaluasi pelaksanaan - Guiding, supervising, and evaluating the implementation of the Bank’s
kebijakan strategis Bank; dan strategic policies; and
• Kemampuan permodalan Bank sangat kuat untuk menutup kerugian • The capital adequacy of the Bank is very strong to cover losses and/or risks
dan/atau risiko yang mungkin timbul dari aktivitas usaha yang dijalankan that may arise from the Bank’s business activities.
oleh Bank.
Faktor Negatif: Negative Factors:
Bank perlu lebih meningkatkan kualitas Governance Process, khususnya untuk The Bank needs to improve the quality of its Governance Process, particularly
memantau secara otomatisasi penyediaan dana kepada pihak terkait (related to automatically monitor the provision of funds to related parties or large
party) atau penyediaan dana besar (large exposure). Saat ini pemantauan exposures. Currently, this monitoring is done manually. Therefore, the bank
tersebut dilakukan secara manual. Berdasarkan hal itu, Bank dalam proses is in the process of developing a system to monitor the provision of funds to
development system untuk memantau penyediaan dana kepada pihak terkait related parties and large exposures.
(related party) dan penyediaan dana besar (large exposure).
Governance Outcome
Secara umum Manajemen Bank telah menerapkan Governance Outcome Generally, the Bank Management has implemented Governance Outcome
dengan baik, tercermin dari pemenuhan yang memadai atas prinsip Tata well, reflected in the adequate fulfillment of the good Governance principle.
Kelola yang baik.
Positive Factors:
Faktor Positif: • Bank Sinarmas has submitted the implementation of duties and
• Bank Sinarmas telah menyampaikan pelaksanaan tugas dan kinerja yang performance in the form of the Annual Report of the Board of Directors.
dituangkan dalam bentuk Laporan Tahunan Direksi. Pelaksanaan kinerja The performance of the Board of Directors and the results of the Board
Direksi dan hasil pengawasan Dewan Komisaris telah disampaikan dalam of Commissioners’ supervision have been presented at the AGMS on
RUPS Tahunan tanggal 27 Juli 2023; July 27, 2023;
• Manajemen Bank (Direksi, Komisaris, dan Komite-Komite) telah • The Bank Management (the Board of Directors, Commissioners, and
melakukan penerapan Tata Kelola yang secara umum baik, tercermin dari Committee) has carried out generally good Governance implementation,
pemenuhan yang memadai atas prinsip GCG; reflected in the adequate fulfillment of GCG principles;
• Direksi telah mengkomunikasikan kepada pegawai mengenai arah bisnis • The Board of Directors has communicated with employees regarding the
Bank dalam rangka pencapaian Misi dan Visi bank; Bank’s business direction in order to achieve the Bank’s mission and vision;
• Pertanggungjawaban pelaksanaan tugas Direksi, pelaksanaan Rapat Direksi • Accountability for the implementation of the Board of Directors’ duties,
dan Dewan Komisaris serta Komite-Komite telah dilakukan sesuai dengan the conduct of the Board of Directors and the Board of Commissioners’
prinsip-prinsip GCG. Hasil rapat Direksi dan Dewan Komisaris masing- meetings, as well as Committee meetings, has been carried out in accordance
masing telah dituangkan dalam risalah rapat dan didokumentasikan with GCG principles. The outcomes of Board and Board of Commissioners’
dengan baik termasuk pengungkapan secara jelas perbedaan pendapat meetings have been documented in meeting minutes and well-documented,
atau dissenting opinion; including clear disclosure of differences of opinion or dissenting opinions;
• Dalam laporan pelaksanaan Tata Kelola, seluruh anggota Direksi dan • In the Governance implementation report, all members of the Board of
Dewan Komisaris paling sedikit telah mengungkapkan: Directors and the Board of Commissioners at least have disclosed:
- Kepemilikan saham yang mencapai 5% atau lebih pada Bank - Ownership of shares of 5% or more in the respective Bank or other
yang bersangkutan maupun pada Bank dan perusahaan lain yang banks and companies in the country and abroad;
berkedudukan di dalam dan di luar negeri; - Financial relationships and family relationships with other members of
- Hubungan keuangan dan hubungan keluarga dengan anggota Direksi lain, the Board of Directors, members of the Board of Commissioners, and/
anggota Dewan Komisaris, dan/atau Pemegang Saham Pengendali Bank; or Controlling Shareholder of the Bank;
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
- Remunerasi dan fasilitas lain; - Remuneration and other facilities:
- Opsi saham yang dimiliki Direksi atau Dewan komisaris; - Shares options owned by the Board of Directors or the Board of
• Bank telah menyampaikan laporan-laporan kepada regulator dan Commissioners;
pemegang saham secara berkala dan tepat waktu sesuai dengan • The Bank has submitted reports to regulators and shareholders periodically
ketentuan yang berlaku; and timely in accordance with applicable provisions;
• Pelaksanaan Fungsi Kepatuhan Bank telah dilakukan dengan baik dan • The implementation of the Bank’s Compliance Function has been carried
memadai serta sesuai dengan ketentuan yang berlaku; out well and adequately, and in accordance with applicable provisions;
• Fungsi Audit Internal telah dilaksanakan secara memadai dengan • The Internal Audit Function has been carried out adequately by considering
memperhatikan antara lain independensi dan objektivitas dan independence and objectivity, as well as the fulfillment of the quantity
terpenuhinya jumlah dan kualitas auditor internal. KAP yang ditunjuk and quality of internal auditors. The Public Accounting Firm appointed by
oleh Bank telah menyampaikan hasil audit yang menggambarkan the Bank has provided audit results depicting significant issues faced by
permasalahan signifikan yang dihadapi oleh Bank secara tepat waktu the Bank in a timely manner to the Financial Services Authority.
kepada Otoritas Jasa Keuangan;
• Bank telah menerapkan manajemen risiko secara efektif yang disesuaikan • The Bank has implemented effective risk management which is adjusted
dengan tujuan kebijakan, ukuran, dan kompleksitas usaha serta to the policy objectives, size, and business complexity, as well as capability
kemampuan Bank; of the Bank;
• Pemberian penyediaan dana oleh bank kepada pihak terkait (related • The provision of funds by the bank to related parties and/or large
party) dan/atau penyediaan dana besar (large exposure) telah memenuhi exposures has complied with applicable regulations and considered capital
ketentuan yang berlaku dan memperhatikan kemampuan permodalan adequacy and portfolio diversification or fund provision diversification;
dan penyebaran atau diversifikasi portofolio penyediaan dana; dan and
• Kinerja Bank mengalami peningkatan pada tahun 2023 dibandingkan • The Bank’s performance improved in 2023 compared to the same period
periode yang sama tahun sebelumnya yang tercermin dari adanya a year earlier which was reflected in the increase in business profit.
peningkatan laba usaha.
Faktor Negatif: Negative Factor:
Tidak terdapat kelemahan dalam pelaksanaan prinsip-prinsip Tata Kelola There is no weakness in the implementation of Governance principles for
Bank Umum terkait Governance Outcome. Commercial Banks related to Governance Outcome.
Rekomendasi Hasil Penilaian Recommendation Based on the Assessment Results
Bank Sinarmas telah menerapkan GCG dengan baik, terbukti dari Bank Sinarmas has implemented GCG properly, as reflected in
pemenuhan yang memadai terhadap prinsip-prinsip GCG. Apabila adequate fulfillment of GCG principles. If there are weaknesses in
terdapat kelemahan dalam penerapan prinsip GCG, umumnya the application of GCG principles, these weaknesses are generally
kelemahan tersebut bersifat kurang signifikan dan dapat diatasi less significant and can be resolved by normal actions by the
dengan tindakan normal oleh Manajemen Bank. Management of the Bank.
Sosialisasi Tata Kelola Dissemination of Corporate Governance
Sosialisasi terkait prinsip-prinsip GCG, kepatuhan, dan lain-lain Dissemination related to GCG principles, compliance and others,
yang diselenggarakan Bank Sinarmas di sepanjang tahun 2023 carried out by Bank Sinarmas in 2023 are as follows.
diungkapkan sebagai berikut.
Kegiatan Sosialisasi Jumlah Sosialisasi
Dissemination Activities Number of Dissemination
Compliance Info (Co.In) 19
Regulation Update 99
Campaign Anti Penyuapan / Anti-Bribery Campaign 13
1. Compliance Info 1. Compliance Info
Kampanye kepatuhan melalui media komunikasi Compliance The compliance campaign through the Compliance Info
Info (Co.In) dilakukan dengan tujuan untuk menyajikan (Co.In) communication media is carried out with the aim of
sosialisasi dan refreshment ketentuan Otoritas Jasa Keuangan, presenting dissemination and refreshment of the provisions
Bank Indonesia, Pusat Pelaporan dan Analisis Transaksi of the Financial Services Authority, Bank Indonesia, the
Keuangan (PPATK), dan peraturan perundang-undangan Indonesian Financial Transaction Reports and Analysis Center
secara menarik melalui infografis sehingga mudah dipahami (INTRAC), and laws in an attractive way through infographics
oleh seluruh karyawan yang disampaikan melalui email. to ensure that all employees can easily understand it via email.
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Pada tahun 2023, 19 Compliance Info (Co.In) telah In 2023, a total of 19 Compliance Info (Co.In) was shared to
disosialisasikan kepada karyawan Bank, dengan uraian the Bank’s employees with following details.
sebagai berikut.
Tanggal Terbit Perihal Compliance Info
No.
Issuance Date Subject of Compliance Info
25 Januari 2023 Compliance Info: Konglomerasi Keuangan
1.
January 25, 2023 Compliance Info: Financial Conglomeration
22 Februari 2023 Compliance Info: Pencatatan Penolakan Transaksi, Penolakan, dan Penutupan Hubungan Usaha
2.
February 22, 2023 Compliance Info: Recording Transaction Rejection, Rejection, and Termination Business Relationship
27 Februari 2023 Compliance Info: Perlindungan Konsumen dan Masyarakat
3.
February 27, 2023 Compliance Info: Consumer and Community Protection
02 Maret 2023 Compliance Info: Peleburan CIF
4.
March 02, 2023 Compliance Info: Consolidation of CIF
13 Maret 2023 Compliance Info: Pencabutan Ketentuan Larangan Pemberian Kredit Pengadaan Tanah
5.
March 13, 2023 Compliance Info: Revocation of Prohibition on Land Procurement Credit Provision
15 Maret 2023 Compliance Info: Kewajiban Melengkapi Informasi Wajib (Field Mandatory) Long CIF
6.
March 15, 2023 Compliance Info: The Obligation to Complete Long CIF Mandatory Information (Field Mandatory)
11 April 2023 Compliance Info: Perubahan Formulir Enhanced Due Diligence (EDD)
7.
April 11, 2023 Compliance Info: Changes in Enhanced Due Diligence (EDD) form
5 Mei 2023 Compliance Info: Penerapan Tata Kelola Bank Umum
8.
May 5, 2023 Compliance Info: Implementation of Governance for Commercial Banks
8 Mei 2023 Compliance Info: PIC APU dan PPT Cabang
9.
May 8, 2023 Compliance Info: PIC of branch AML-CFT
9 Mei 2023 Compliance Info: Kewajiban Penyampaian Riplay
10.
May 9, 2023 Compliance Info: Obligation of Riplay Submission
18 Juli 2023 Compliance Info: Rekening Khusus Dana Kampanye (RKDK) Partai Politik
11.
July 18, 2023 Compliance Info: Political Party Special Campaign Fund Account (RKDK)
Compliance Info: Penyelenggaraan Produk/Layanan Bank Lanjutan Baru dengan Izin Melalui Proyek Uji Coba Terbatas
9 September 2023 (Piloting Review)
12.
September 9, 2023 Compliance Info: Implementation of New Advanced Bank Products/Services with Permits Through Limited Trial Projects
(Piloting Review)
19 September 2023 Compliance Info: Kewajiban Informasi Tax Identification Number (TIN) bagi Wajib Pajak Asing
13.
September 19, 2023 Compliance Info: Obligation of the Tax Identification Number (TIN) information for Foreign Taxpayers
19 September 2023 Compliance Info: Penerapan Tata Kelola Terintegrasi
14.
September 19, 2023 Compliance Info: Implementation of the Integrated Governance
26 September 2023 Compliance Info: Penggunaan Kode Overbooking pada Transaksi Keuangan Tunai
15.
September 26, 2023 Compliance Info: The Use of Overbooking Code in Cash Financial Transaction
2 Oktober 2023 Compliance Info: Rekening Khusus Dana Kampanye (RKDK)
16.
October 2, 2023 Compliance Info: Special Campaign Fund Account (RKDK)
11 Oktober 2023
17. Compliance Info: Request for Information (RFI)
October 11, 2023
25 Oktober 2023 Compliance Info: Screening Watchlist pada Front End System (Pega CS) di Cabang Konven dan Syariah
18.
October 25, 2023 Compliance Info: Screening Watchlist on the Front End System (Pega CS) Conventional and Sharia Branch
13 November 2023 Compliance Info: Fungsi Kepatuhan Bank
19.
November 13, 2023 Compliance Info: The Bank Compliance Function
2. Regulation Update 2. Regulation Update
Satuan Kerja Kepatuhan juga melakukan sosialisasi peraturan The Compliance Unit also disseminates new regulations from
baru dari regulator disertai kajian dampak dan tindak lanjut the regulators along with impact studies and follow-up on the
atas peraturan tersebut melalui Email Regulation Update. regulations by Regulation Update e-mail. Regulation Update
Email Regulation Update disampaikan kepada Unit Kerja emails are given to relevant Work Units, Board of Directors,
terkait, Direksi, Dewan Komisaris, Pejabat Eksekutif, Pimpinan Board of Commissioners, Executive Officers, employee
Karyawan serta karyawan unit-unit kerja terkait. leaders, and employees of related work units.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pada tahun 2023, Satuan Kerja Kepatuhan telah membuat In 2023, the Compliance Work Unit prepared and organized
dan melakukan sosialisasi 99 Regulation Update, dengan outreach of 99 Regulation Update as follows.
uraian sebagai berikut.
No. Perihal Ketentuan Bank Indonesia Concerning Bank Indonesia Provisions
1. Peraturan Bank Indonesia No. 24/18/PBI 2022 tentang Perubahan Kedua Bank Indonesia Regulation No. 24/18/PBI 2022 on the Second Amendment
atas Peraturan Bank Indonesia No. 21/14/PBI/2019 tentang Devisa Hasil to Bank Indonesia Regulation No. 21/14/PBI/2019 on Foreign Exchange
Ekspor dan Devisa Pembayaran Impor from Export Proceeds and Foreign Exchange from Import Payments
2. Peraturan Bank Indonesia No. 24/20/PBI 2022 tentang Transaksi SWAP Bank Indonesia Regulation No. 24/20/PBI 2022 on Sharia Hedging SWAP
Lindung Nilai Syariah Kepada Bank Indonesia Transactions with Bank Indonesia
3. Peraturan Bank Indonesia No. 1 Tahun 2023 tentang Jumlah dan Nilai Bank Indonesia Regulation No. 1 of 2023 on the Amount and Nominal
Nominal Uang Rupiah yang Dimusnahkan Tahun 2022 Value of Rupiah Currency Destroyed in 2022
4. Peraturan Bank Indonesia No. 3 Tahun 2023 tentang Pelindungan Bank Indonesia Regulation No. 3 of 2023 on Bank Indonesia Consumer
Konsumen Bank Indonesia Protection
5. Peraturan Bank Indonesia No. 4 Tahun 2023 tentang Pinjaman Likuiditas Bank Indonesia Regulation No. 4 of 2023 on Short-Term Liquidity Loans
Jangka Pendek bagi Bank Umum Konvensional for Conventional Commercial Banks
6. Peraturan Bank Indonesia No. 5 Tahun 2023 tentang Pembiayaan Likuiditas Bank Indonesia Regulation No. 5 of 2023 on Short-Term Liquidity
Jangka Pendek Berdasarkan Prinsip Syariah bagi Bank Umum Syariah Financing Based on Sharia Principles for Sharia Commercial Banks
7. Peraturan Bank Indonesia No. 6 Tahun 2023 tentang Pasar Uang dan Bank Indonesia Regulation No. 6 of 2023 on Money Markets and Foreign
Pasar Valuta Asing Exchange Markets
8. Peraturan Bank Indonesia No. 7 Tahun 2023 dan Peraturan Anggota Bank Indonesia Regulation No. 7 of 2023 and Teacher Council Member
Dewan Guru No. 4 Tahun 2023 tentang Devisa Hasil Ekspor dan Devisa Regulation No. 4 of 2023 on Foreign Exchange Proceeds from Exports
Pembayaran Impor and Foreign Exchange Payments for Imports
9. Peraturan Bank Indonesia No. 8 Tahun 2023 tentang Pencabutan Bank Indonesia Regulation No. 8 of 2023 on the Revocation of Bank
Peraturan Bank Indonesia No. 22/7/PBI/2020 tentang Penyesuaian Indonesia Regulation No. 22/7/PBI/2020 on the Adjustments to the
Pelaksanaan Beberapa Ketentuan Bank Indonesia sebagai Dampak Implementation of Several Bank Indonesia Provisions as an Impact of the
Pandemi Corona Virus Disease 2019 (COVID-19) 2019 Corona Virus Disease (COVID-19) Pandemic
10. Peraturan Bank Indonesia No. 11 Tahun 2023 tentang Kebijakan Insentif Bank Indonesia Regulation No. 11 of 2023 on Macroprudential Liquidity
Likuiditas Makroprudensial dan Peraturan Anggota Dewan Gubernur Incentive Policy and Regulation of Members of the Board of Governors
No. 11 Tahun 2023 tentang Peraturan Pelaksanaan Kebijakan Insentif No. 11 of 2023 on Regulations for Implementing Macroprudential
Likuiditas Makroprudensial Liquidity Incentive Policies
11. Peraturan Bank Indonesia No. 13 Tahun 2023 tentang Perubahan Kedua Bank Indonesia Regulation No. 13 of 2023 on the Second Amendment to
atas Peraturan Bank Indonesia No. 22/14/PBI/2020 tentang Operasi Moneter Bank Indonesia Regulation No. 22/14/PBI/2020 on Monetary Operations
12. Peraturan Bank Indonesia No. 14 Tahun 2023 tentang Pencabutan dan Bank Indonesia Regulation No. 14 of 2023 on the Revocation and
Penarikan Uang Rupiah Logam Pecahan 500 (Lima Ratus) Tahun Emisi Withdrawal of Metal Rupiah Notes in the 500 (Five Hundred) Denomination
1991, Pecahan 1.000 (Seribu) Tahun Emisi 1993, dan Pecahan 500 (Lima of 1991 Emission Year, the 1,000 (One Thousand) Denomination of
Ratus) Tahun Emisi 1997 dari Peredaran 1993 Emission Year, and the 500 (Five Hundred) Denomination of 1997
Emission Year from Circulation
13. Peraturan Anggota Dewan Gubernur No. 24/19/PADG/2022 Board of Governors Member Regulation No. 24/19/PADG/2022
tentang Perubahan Kedua atas Peraturan Anggota Dewan Gubernur on Second Amendment to Regulation of Members of the Board of
No. 22/3/PADG/2020 tentang Pelaksanaan Standardisasi Kompetensi di Governors No. 3/22/PADG/2020 on the Implementation of Competency
Bidang Sistem Pembayaran dan Pengelolaan Uang Rupiah Standardization in Payment Systems and Rupiah Currency Management
14. Peraturan Anggota Dewan Gubernur No. 24/20/PADG/2022 tentang Board of Governors Member Regulation No. 24/20/PADG/2022 on
Laporan Penerapan Kode Etik Pasar dan Pelaksanaan Sertifikasi Tresuri Report on the Implementation of the Market Code of Ethics and
Implementation of Treasury Certification
15. Peraturan Anggota Dewan Gubernur No. 24/21/PADG/2022 tentang Board of Governors Member Regulation No. 24/21/PADG/2022 on
Rekening Giro di Bank Indonesia Current Accounts at Bank Indonesia
16. Peraturan Anggota Dewan Gubernur No. 24/25/PADG/2022 Board of Governors Member Regulation No. 24/25/PADG/2022 on
Tentang Perubahan Kedua atas Peraturan Anggota Dewan Gubernur the Second Amendment to Regulation of Members of the Board of
No. 21/26/PADG /2019 tentang Devisa Hasil Ekspor dan Devisa Governors No. 21/26/PADG /2019 on Foreign Exchange from Export
Pembayaran Impor Proceeds and Foreign Exchange from Import Payments
17. Peraturan Anggota Dewan Gubernur No. 24/26/PADG/2022 Tentang Board of Governors Member Regulation No. 24/26/PADG/2022 on the
Perubahan atas Peraturan Anggota Dewan Gubernur No. 21/28/PADG/2019 Amendments to Regulation for Members of the Board of Governors
tentang Pemantauan Kegiatan Lalu Lintas Devisa Bank dan Nasabah No. 21/28/PADG/2019 on Monitoring of Bank and Customer Foreign
Exchange Traffic Activities
18. Peraturan Anggota Dewan Gubernur No. 1 Tahun 2023 tentang Perubahan Board of Governors Member Regulation No. 1 of 2023 on the Second
Kedua atas Peraturan Anggota Dewan Gubernur No. 24/4/PADG/2022 Amendment to the Regulation on Members of the Board of Governors
tentang Peraturan Pelaksanaan Insentif bagi Bank yang Memberikan No. 24/4/PADG/2022 on Regulations for Implementing Incentives for
Penyedia Dana untuk Kegiatan Ekonomi Tertentu dan Inklusif Banks Providing Funds for Certain and Inclusive Economic Activities
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
No. Perihal Ketentuan Bank Indonesia Concerning Bank Indonesia Provisions
19. Peraturan Anggota Dewan Gubernur No. 2 Tahun 2023 Board of Governors Member Regulation No. 2 of 2023 on Amendments
tentang Perubahan atas Peraturan Anggota Dewan Gubernur to Regulations for Members of the Board of Governors No. 24/8/
No. 24/8/PADG/2022 tentang Peraturan Pelaksanaan Pemenuhan Giro PADG/2022 on Implementation Regulations for Fulfilling Mandatory
Wajib Minimum dalam Rupiah dan Valuta Asing bagi Bank Umum Minimum Reserves in Rupiah and Foreign Currency for Conventional
Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah. Commercial Banks, Sharia Commercial Banks, and Sharia Business Units.
20. Peraturan Anggota Dewan Gubernur No. 3 Tahun 2023 tentang Board of Governors Member Regulation No. 3 of 2023 on Regulations
Peraturan Pelaksanaan Transaksi Domestic Non-Deliverable Forward for Implementing United States Domestic Non-Deliverable Forward Non-
Non-Dollar Amerika Serikat terhadap Rupiah Lindung Nilai kepada Bank Dollar Transactions on Rupiah Hedging with Bank Indonesia and Bank
Indonesia dan Peraturan Bank Indonesia No. 2 Tahun 2023 tentang Indonesia Regulation No. 2 of 2023 on United States Domestic Non-
Transaksi Domestic Non-Deliverable Forward Non-Dollar Amerika Serikat Deliverable Forward Non-Dollar Transactions Against Rupiah Hedging to
Terhadap Rupiah Lindung Nilai Kepada Bank Indonesia Bank Indonesia
21. Peraturan Anggota Dewan Gubernur No. 4 Tahun 2023 tentang Devisa Board of Governors Member Regulation No. 4 of 2023 on Foreign Exchange
Hasil Ekspor dan Devisa Pembayaran Impor Proceeds from Exports and Foreign Exchange Payments for Imports
22. Peraturan Anggota Dewan Gubernur No. 5 Tahun 2023 tentang Perubahan Board of Governors Member Regulation No. 5 of 2023 on the Second
Kedua atas Peraturan Anggota Dewan Gubernur No. 21/28/PADG/2019 Amendment to the Regulation on Members of the Board of Governors
tentang Pemantauan Kegiatan Lalu Lintas Devisa Bank dan Nasabah No. 21/28/PADG/2019 on Monitoring of Bank and Customer Foreign
Exchange Traffic Activities
23. Peraturan Anggota Dewan Gubernur No. 6 Tahun 2023 tentang Board of Governors Member Regulation No. 6 of 2023 on the Fourth
Perubahan Keempat atas Peraturan Anggota Dewan Gubernur No. Amendment to the Regulation of Members of the Board of Governors
22/22/PADG/2020 tentang Instrumen Operasi Pasar Terbuka No. 22/22/PADG/2020 on Open Market Operation Instruments
24. Peraturan Anggota Dewan Gubernur No. 7 Tahun 2023 Board of Governors Member Regulation No. 7 of 2023 on Amendments
tentang Perubahan atas Peraturan Anggota Dewan Gubernur to Regulations for Members of the Board of Governors No. 22/25/
No. 22/25/PADG/2020 tentang Kriteria dan Persyaratan Surat Berharga PADG/2020 on Criteria and Requirements for Securities in Monetary
dalam Operasi Moneter Operations
25. Peraturan Anggota Dewan Gubernur No. 8 Tahun 2023 tentang Board of Governors Member Regulation No. 8 of 2023 on the Second
Perubahan Kedua Atas Peraturan Anggota Dewan Gubernur Amendment to the Regulation on Members of the Board of Governors
No. 22/23/PADG/2020 tentang Pelaksanaan Operasi Pasar Terbuka No. 22/23/PADG/2020 on Implementation of Open Market Operations
26. Peraturan Anggota Dewan Gubernur No. 9 Tahun 2023 Board of Governors Member Regulation No. 9 of 2023 on Amendments
tentang Perubahan atas Peraturan Anggota Dewan Gubernur to Regulations for Members of the Board of Governors No. 22/24/
No. 22/24/PADG/2020 tentang Standing Facilities PADG/2020 on Standing Facilities
27. Peraturan Anggota Dewan Gubernur No. 10 Tahun 2023 tentang Board of Governors Member Regulation No. 10 of 2023 on the Sixth
Perubahan Keenam atas Peraturan Anggota Dewan Gubernur Amendment to the Regulation of Members of the Board of Governors
No. 21/22/PADG/2019 tentang Rasio Intermediasi Makroprudensial dan No. 21/22/PADG/2019 on Macroprudential Intermediation Ratios and
Penyangga Likuiditas Makroprudensial bagi Bank Umum Konvensional, Macroprudential Liquidity Buffers for Conventional Commercial Banks,
Bank Umum Syariah, dan Unit Usaha Syariah Sharia Commercial Banks, and Sharia Business Units
28. Peraturan Anggota Dewan Gubernur No. 12 Tahun 2023 tentang Board of Governors Member Regulation No. 12 of 2023 on the Second
Perubahan Kedua atas Peraturan Anggota Dewan Gubernur Amendment to the Regulation on Members of the Board of Governors No.
No. 24/8/PADG/2023 tentang Peraturan Pelaksanaan Pemenuhan Giro 24/8/PADG/2023 on Implementing Regulations for Fulfilling the Minimum
Wajib Minimum dalam Rupiah dan Valuta Asing Bagi Bank Umum Statutory Reserve in Rupiah and Foreign Currency for Conventional
Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah Commercial Banks, Sharia Commercial Banks, and Sharia Business Units
29. Peraturan Anggota Dewan Gubernur No. 13 Tahun 2023 tentang Board of Governors Member Regulation No. 13 of 2023 on Strengthening
Penguatan Kualitas Pelaku dan Penyelenggaraan Self-Regulatory di Pasar the Quality of Actors and Implementing Self-Regulation in the Money
Uang dan Pasar Valuta Asing Market and Foreign Exchange Market
30. Peraturan Anggota Dewan Gubernur No. 14 Tahun 2023 tentang Dealer Board of Governors Member Regulation No. 14 of 2023 on Primary
Utama Operasi Moneter Dealer Monetary Operations
31. Peraturan Anggota Dewan Gubernur No. 15 Tahun 2023 tentang Board of Governors Member Regulation No. 15 of 2023 on the Fifth
Perubahan Kelima atas Peraturan Anggota Dewan Gubernur Amendment to the Regulation on Members of the Board of Governors
No. 22/22/PADG/2020 tentang Instrumen Operasi Pasar No. 22/22/PADG/2020 on Market Operation Instruments
32. Peraturan Anggota Dewan Gubernur No. 16 Tahun 2023 tentang Board of Governors Member Regulation No. 16 of 2023 on the Third
Perubahan Ketiga atas Peraturan Anggota Dewan Gubernur Amendment to the Regulation on Members of the Board of Governors
No. 22/23/PADG/2020 tentang Pelaksanaan Operasi Pasar Terbuka No. 22/23/PADG/2020 on Implementation of Open Market Operations
33. Peraturan Anggota Dewan Gubernur No. 17 Tahun 2023 tentang Board of Governors Member Regulation No. 17 of 2023 on the
Penyelenggaraan Bank Indonesia - Fast Payment Implementation of Bank Indonesia - Fast Payment
34. Peraturan Anggota Dewan Gubernur No. 18 Tahun 2023 tentang Board of Governors Member Regulation No. 18 of 2023 on the Seventh
Perubahan Ketujuh atas Peraturan Anggota Dewan Gubernur Amendment to the Regulation of Members of the Board of Governors
No. 21/22/PADG/2019 tentang Rasio Intermediasi Makroprudensial, dan No. 21/22/PADG/2019 on Macroprudential Intermediation Ratios and
Penyangga Likuiditas Makroprudensial bagi Bank Umum Konvensional, Macroprudential Liquidity Buffers for Conventional Commercial Banks,
Bank Umum Syariah, dan Unit Usaha Syariah. Sharia Commercial Banks, and Sharia Business Units.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
No. Perihal Ketentuan Otoritas Jasa Keuangan Concerning Financial Services Authority Provisions
1. Peraturan Otoritas Jasa Keuangan No. 27 Tahun 2022 tentang
Financial Services Authority Regulation No. 27 of 2022 on the Second
Perubahan Kedua atas Peraturan Otoritas Jasa Keuangan
Amendment to Financial Services Authority Regulation No. 11/POJK.
No. 11/POJK. 03/2016 tentang Kewajiban Penyediaan Modal Minimum
03/2016 on Minimum Capital Requirements for Commercial Banks
Bank Umum
2. Peraturan Otoritas Jasa Keuangan No. 3 Tahun 2023 tentang Financial Services Authority Regulation No. 3 of 2023 on Increasing
Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan bagi Literacy and Financial Inclusion in the Financial Services Sector for
Konsumen dan Masyarakat Consumers and the Community
3. Peraturan Otoritas Jasa Keuangan No. 4 Tahun 2023 tentang Financial Services Authority Regulation No. 4 of 2023 on the
Perubahan Kedua atas Peraturan Otoritas Jasa Keuangan Second Amendment to Financial Services Authority Regulation
No. 23/POJK.04/2016 tentang Reksa Dana Berbentuk Kontrak Investasi No. 23/POJK.04/2016 on Mutual Funds in the Form of Collective
Kolektif Investment Contracts
4. Peraturan Otoritas Jasa Keuangan No. 8 Tahun 2023 tentang Penerapan Financial Services Authority Regulation No. 8 of 2023 on Implementation
Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, dan of Anti-Money Laundering Programs, Prevention of Terrorism Financing,
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal di Sektor and Prevention of Funding for the Proliferation of Weapons of Mass
Jasa Keuangan Destruction in the Financial Services Sector
5. Peraturan Otoritas Jasa Keuangan No. 9 Tahun 2023 tentang Financial Services Authority Regulation No. 9 of 2023 on the Use of
Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik dalam Public Accounting Services and Public Accounting Firms in Financial
Kegiatan Jasa Keuangan Services Activities
6. Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2023 tentang Unit Financial Services Authority Regulation No. 12 of 2023 on Sharia
Usaha Syariah Business Units
7. Peraturan Otoritas Jasa Keuangan No. 14 Tahun 2023 tentang Financial Services Authority Regulation No. 14 of 2023 on Carbon
Perdagangan Karbon Melalui Bursa Karbon Trading Through the Carbon Exchange
8. Peraturan Otoritas Jasa Keuangan No. 16 Tahun 2023 tentang Financial Services Authority Regulation No. 16 of 2023 on Investigation
Penyidikan Tindak Pidana di Sektor Jasa Keuangan of Criminal Acts in the Financial Services Sector
9. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Financial Services Authority regulation No. 17 of 2023 on Implementation
Penerapan Tata Kelola Bagi Bank Umum of Governance for Commercial Banks
10. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 18 Tahun
Financial Services Authority Regulation No. 18 of 2023 on Issuance and
2023 tentang Penerbitan dan Persyaratan Efek Bersifat Utang dan Sukuk
Requirements for Debt Securities and Sukuk Based on Sustainability
Berlandaskan Keberlanjutan
11. Surat Edaran Otoritas Jasa Keuangan No. 16/SEOJK.03/2023 tentang
Financial Services Authority Circular No. 16/SEOJK.03/2023 on Capital
Perhitungan Permodalan Untuk Eksposur Bank terhadap Lembaga
Calculations for Bank Exposure to Central Counterparty Institutions
Central Counterparty
12. Surat Edaran Otoritas Jasa Keuangan No. 17/SEOJK.03/2023 tentang Financial Services Authority Circular No. 17/SEOJK.03/2023 on Margin
Persyaratan Margin Untuk Transaksi Derivatif yang Tidak Dikliringkan Requirements for Derivative Transactions that are Not Cleared Through
Melalui Lembaga Central Counterparty (CCP) Central Counterparty Institutions (CCP)
13. Surat Edaran Otoritas Jasa Keuangan No. 18/SEOJK.03/2023 tentang Financial Services Authority Circular No. 18/SEOJK.03/2023 on
Tata Cara Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik Procedures for Using the Services of Public Accountants and Public
dalam Kegiatan Jasa Keuangan Accounting Firms in Financial Services Activities
14. Surat Edaran Otoritas Jasa Keuangan No. 19/SEOJK.06/2023 tentang
Financial Services Authority Circular No. 19/SEOJK.06/2023 on
Penyelenggaraan Layanan Pendanaan Bersama Berbasis Teknologi
Implementation of Information Technology-Based Joint Funding Services
Informasi
15. Surat Edaran Otoritas Jasa Keuangan No. 27/SEOJK.03/2022 tentang Financial Services Authority Circular No. 27/SEOJK.03/2022 on Credit
Lembaga Pengelola Informasi Perkreditan Information Management Institutions
16. Surat Edaran Otoritas Jasa Keuangan No. 28/SEOJK.03/2022 tentang Financial Services Authority Circular No. 28/SEOJK.03/2022 on Risk
Sertifikasi Manajemen Risiko bagi Sumber Daya Manusia Bank Umum Management Certification for Commercial Bank Human Resources
17. Surat Edaran Otoritas Jasa Keuangan No. 29/SEOJK.03/2022 tentang Financial Services Authority Circular No. 29/SEOJK.03/2022 on Cyber
Ketahanan dan Keamanan Siber bagi Bank Umum Resilience and Security for Commercial Banks
18. Surat Edaran Otoritas Jasa Keuangan No. 31/SEOJK.05/2022 tentang Financial Services Authority Circular No. 31/SEOJK.05/2022 on Insurance
Saluran Pemasaran Produk Asuransi Melalui Kerja Sama dengan Bank Product Marketing Channels Through Collaboration with Banks
(Bancassurance) (Bancassurance)
19. Surat Edaran Otoritas Jasa Keuangan No. 33/SEOJK.04/2022 tentang
Financial Services Authority Circular No. 33/SEOJK.04/2022 on Guidelines
Pedoman Pelaksanaan Penawaran Efek yang Bukan Merupakan
for Implementing Securities Offerings that are Not Public Offerings
Penawaran Umum
20. Surat Edaran Otoritas Jasa Keuangan No. S-10/D.03/2023 tentang Relaksasi Financial Services Authority Circular No. S-10/D.03/2023 on Relaxation of
Sertifikasi Manajemen Risiko bagi Sumber Daya Manusia Bank Umum Risk Management Certification for Commercial Bank Human Resources
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
No. Perihal Ketentuan Peraturan Perundang-Undang Lainnya Concerning Provision of Other Laws and Regulations
1. Peraturan Menteri Koordinator Bidang Perekonomian Republik Regulation of the Coordinating Minister for Economic Affairs No. 1 of
Indonesia No. 1 Tahun 2023 tentang perubahan atas Peraturan 2023 on amendments to the Regulation of the Coordinating Minister for
Menteri Koordinator Bidang Perekonomian Republik Indonesia No. 1 Economic Affairs No. 1 of 2022 on Guidelines for Implementing People’s
Tahun 2022 tentang Pedoman Pelaksanaan Kredit Usaha Rakyat Business Credit
2. Peraturan Menteri Koordinator Bidang Perekonomian No. 2 Tahun Regulation of the Coordinating Minister for Economic Affairs No. 2
2023 tentang Perlakuan Khusus bagi Penerima Kredit Usaha Rakyat of 2023 on Special Treatment for People’s Business Credit Recipients
Terdampak Pandemi Corona Virus Disease 2019 Affected by the 2019 Corona Virus Disease Pandemic
3. Peraturan Menteri Koordinator Bidang perekonomian Republik Indonesia Regulation of the Coordinating Minister for Economic Affairs No. 3
No. 3 Tahun 2023 tentang Pedoman Pelaksanaan Kredit Usaha Alat dan of 2023 on Guidelines for Implementing Agricultural Equipment and
Mesin Pertanian Machinery Business Credit
4. Peraturan Pemerintah Republik Indonesia No. 10 tahun 2023 tentang Government Regulation of the Republic of Indonesia No. 10 of 2023
Jenis dan Tarif Penerimaan Negara Bukan Pajak yang Berlaku pada concerning Types and Rates of Non-Tax State Revenue Applicable to the
Kementerian dalam Negeri Ministry of Home Affairs
5. Surat Edaran Lembaga Penjamin Simpanan No. SE-1/KE-2023 tentang Indonesia Deposit Insurance Corporation Circular No. SE-1/KE-2023
Pedoman Pemeriksaan atas Kualitas Data dan Keandalan Sistem on Guidelines for Inspection of Data Quality and Reliability of Single
Pengolahan Data Single Customer View bagi Audit Internal Bank dan Customer View Data Processing Systems for Bank Internal Audit and
Pihak Independen yang Ditunjuk Bank Independent Parties Appointed by the Bank
6. Peraturan Menteri Koordinator No. 41 Tahun 2023 tentang Pajak Coordinating Minister Regulation No. 41 of 2023 on Value Added Tax
Pertambahan Nilai atas Penyerahan Agunan yang Diambil Alih oleh on the Delivery of Foreclosed Collateral by Creditors to Collateral Buyers
Kreditur Kepada Pembeli Agunan
7. Peraturan Pemerintah Republik Indonesia No. 36 Tahun 2023 tentang Government Regulation No. 36 of 2023 on Foreign Exchange Proceeds
Devisa Hasil Ekspor Dari Kegiatan Pengusahaan, Pengelolaan, dan/atau from Exports from Business Activities, Management and/or Processing of
Pengolahan Sumber Daya Alam Natural Resources
8. Peraturan Bersama Kementerian Luar Negeri, Kepolisian Negara Republik Joint Regulation of the Ministry of Foreign Affairs, the National Police of
Indonesia, Pusat Pelaporan dan Analisis Transaksi Keuangan, dan Badan the Republic of Indonesia, the Center for Financial Transaction Reporting
Pengawas Tenaga Nuklir No. 5 Tahun 2023 No. 1 Tahun 2023, No. 4 and Analysis, and the Nuclear Energy Supervisory Agency No. 5 of 2023,
Tahun 2023, No. 1 Tahun 2023 tentang Perubahan Peraturan Bersama No. 1 of 2023, No. 4 of 2023, No. 1 of 2023, on Amendments to Joint
Menteri Luar Negeri, Kepala Kepolisian Negara Republik Indonesia, Regulations of the Minister of Foreign Affairs, Head of the National Police
Kepala Pusat Pelaporan dan Analisis Transaksi Keuangan, dan Kepala of the Republic of Indonesia, Head of the Center for Financial Transaction
Badan Pengawas Tenaga Nuklir No. 4 Tahun 2017, No. 1 Tahun 2017, Reporting and Analysis, and Head of the Nuclear Energy Supervisory
No. 9 Tahun 2017, No. 5 Tahun 2017 tentang Pencantuman Identitas Agency No. 4 of 2017, No. 1 of 2017, No. 9 of 2017, No. 5 of 2017, on
Orang dan Korporasi dalam Daftar Pendanaan Proliferasi Senjata Inclusion of the Identity of Persons and Corporations in the List of Funding
Pemusnah Massal dan Pemblokiran Secara Serta Merta atas Dana for the Proliferation of Weapons of Mass Destruction and Immediate
Milik Orang atau Korporasi yang Tercantum dalam Daftar Pendanaan Blocking of Funds Owned by Persons or Corporations Listed in the List of
Proliferasi Senjata Pemusnah Massal Funding for the Proliferation of Weapons of Mass Destruction
9. Keputusan Presiden Republik Indonesia No. 17 Tahun 2023 tentang Decree of the President of the Republic of Indonesia No. 17 of 2023 on
Penetapan Berakhirnya Status Pandemi Corona Virus Disease 2019 Determination of the End of the Corona Virus Disease 2019 (Covid-19)
(Covid-19) di Indonesia Pandemic Status in Indonesia
10. Surat Edaran Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) Financial Transaction Reports and Analysis Center (INTRAC) Circular No.
No. 05 Tahun 2023 tentang Indikator Transaksi Keuangan Mencurigakan 05 of 2023 on Indicators of Suspicious Financial Transactions related to
terkait Pendanaan Terorisme Terrorism Financing
11. Peraturan Bersama Kementerian Luar Negeri, Kepolisian Negara Joint Regulation of the Ministry of Foreign Affairs, the National Police of
Republik Indonesia, Pusat Pelaporan dan Analisis Transaksi the Republic of Indonesia, the Center for Financial Transaction Reporting
Keuangan, dan Badan Pengawas Tenaga Nuklir No. 7 Tahun and Analysis, and the Nuclear Energy Supervisory Agency No. 7 of
2023, No. 2 Tahun 2023, No. 12 Tahun 2023, No. 2 Tahun 2023 2023, No. 2 of 2023, No. 12 of 2023, No. 2 of 2023, on the Second
tentang Perubahan Kedua Atas Peraturan Bersama Menteri Luar Amendment to the Joint Regulation of the Minister of Foreign Affairs,
Negeri, Kepala Kepolisian Negara Republik Indonesia, Kepala Pusat the Head of the National Police of the Republic of Indonesia, the Head of
Pelaporan dan Analisis Transaksi Keuangan, dan Kepala Badan the Center for Financial Transaction Reports and Analysis, and the Head
Pengawas Tenaga Nuklir No. 4 Tahun 2017, No. 1 Tahun 2017, No. 9 of the Nuclear Energy Supervisory Agency No. 4 of 2017, No. 1 of 2017,
Tahun 2017, No. 5 Tahun 2017 tentang Pencantuman Identitas Orang No. 9 of 2017, No. 5 of 2017, on Inclusion of the Identity of Persons and
dan Korporasi dalam Daftar Pendanaan Proliferasi Senjata Pemusnah Corporations in the List of Funding for the Proliferation of Weapons of
Massal dan Pemblokiran Secara Serta Merta atas Dana Milik Orang atau Mass Destruction and Immediate Blocking of Funds Owned by Persons
Korporasi yang Tercantum dalam Daftar Pendanaan Proliferasi Senjata or Corporations Listed in the List of Funding for the Proliferation of
Pemusnah Massal Weapons of Mass Destruction
12. Peraturan Menteri Pertanian Republik Indonesia No. 21 Tahun 2023 Regulation of the Minister of Agriculture No. 21 of 2023 on Agricultural
tentang Taksi Alat dan Mesin Pertanian Equipment and Machinery Taxis
13. Peraturan Lembaga Penjamin Simpanan No. 1 Tahun 2023 tentang Indonesia Deposit Insurance Corporation Regulation No. 1 of 2023 on
Program Penjaminan Simpanan the Savings Guarantee Program
14. Keputusan Menteri Keuangan Republik Indonesia No. 317 Tahun 2023 Decree of the Minister of Finance No. 317 of 2023 on the Amount of
tentang Besaran Subsidi Bunga/Subsidi Margin Kredit Usaha Rakyat Interest Subsidy/Margin Subsidy for People’s Business Credit
15. Peraturan Menteri Keuangan No. 136 Tahun 2023 tentang Perubahan Minister of Finance Regulation No. 136 of 2023 on Amendments to
atas Peraturan Menteri Keuangan No. 112/PMK.03/2022 Tentang Nomor Minister of Finance Regulation No. 112/PMK.03/2022 on Taxpayer
Pokok Wajib Pajak bagi Wajib Pajak Orang Pribadi, Wajib Pajak Badan, dan Identification Numbers for Individual Taxpayers, Corporate Taxpayers
Wajib Pajak Instansi Pemerintah and Government Agency Taxpayers
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
3. Anti-Bribery Campaign
3. Campaign Anti Penyuapan The Bank also conducted other compliance campaigns via email
Bank juga membuat kampanye kepatuhan lain melalui email and other online media, namely the Anti-Bribery campaign,
serta media online lainnya, yaitu kampanye Anti Penyuapan, to all employees as a preventive measure against bribery and
kepada seluruh karyawan sebagai wujud pencegahan gratuities within the bank’s environment. Throughout 2023,
tindakan penyuapan maupun gratifikasi di dalam lingkungan the Bank conducted 13 Anti-Bribery Campaigns, with the
Bank. Selama tahun 2023, Bank melaksanakan 13 Campaign following details:
Anti Penyuapan, dengan rincian sebagai berikut.
Tanggal Terbit Campaign Anti Penyuapan
No.
Issuance Date Anti-Bribery Campaign
24 Januari 2023 [UAP] Pengenalan Gratifikasi
1.
January 24, 2023 [UAP] Introduction to Gratuity
3 Maret 2023 [UAP] Hindari Tindakan Gratifikasi
2.
March 3, 2023 [UAP] Avoiding Act of Gratuity
28 Maret 2023 [UAP] Kebijakan Pemberian/Penerimaan Hadiah
3.
March 28, 2023 [UAP] Gift Giving/Accepting Policy
18 April 2023 [UAP] Hindari Gratifikasi Sambut Hari Raya Idul Fitri 1444 H
4.
April 18, 2023 [UAP] Avoiding Gratuity Ahead of the Eid al-Fitr 1444 H
24 Mei 2023 [UAP] Manfaat Pengendalian Gratifikasi
5.
May 24, 2023 [UAP] Benefits of Control on Gratuity
27 Juni 2023 [UAP] Komitmen Pengendalian Gratifikasi
6.
June 27, 2023 [UAP] Commitment on Gratuity Control
31 Juli 2023 [UAP] Ingin Laporkan Gratifikasi? Lakukan Hal ini
7.
July 31, 2023 [UAP] Want to Report Gratuity? Do this
23 Agustus 2023 [UAP] Stop Gratifikasi
8.
August 23, 2023 [UAP] Stopping Gratuity
27 September 2023 [UAP] Mengapa Gratifikasi itu Dilarang?
9.
September 27, 2023 [UAP] Why is Gratuity probihited?
20 Oktober 2023 [UAP] Perlindungan Pelapor Gratifikasi atau Penyuapan
10.
October 20, 2023 [UAP] Protection for Whistleblowers of Gratuity or Bribery
13 November 2023 [UAP] Siap Beraksi Berantas Korupsi
11.
November 13, 2023 [UAP] Ready to Take Actions to Eradicate Corruption
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan sarana bagi The General Meeting of Shareholders (RUPS) is a room for
Pemegang Saham untuk menyampaikan hak yang dimilikinya shareholders to exercise their rights in making collective
dalam mengambil keputusan bersama mengenai Bank. Bagi resolutions regarding the Bank. For the Board of Commissioners
Dewan Komisaris dan Direksi, RUPS berfungsi sebagai forum untuk and the Board of Directors, the GMS serves as a forum to report
menyampaikan laporan pertanggungjawaban atas pelaksanaan on the accountability for the performance of tasks and the results
tugas serta hasil kinerja Bank kepada Pemegang Saham. of the Bank’s performance to the shareholders.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Landasan Hukum Pelaksanaan RUPS Legal Basis of GMS Implementation
Penyelenggaraan RUPS di Bank Sinarmas mengacu pada: The implementation of GMS at Bank Sinarmas refers to:
1. Anggaran Dasar; dan 1. Articles of Association;
2. Peraturan Otoritas Jasa Keuangan No. 15/POJK.04/2020 2. Financial Services Authority Regulation No. 15/POJK.04/2020
tentang Rencana dan Penyelenggaraan Rapat Umum on the Planning and Convening of General Meeting of
Pemegang Saham Perusahaan Terbuka. Shareholders of Public Companies.
Mekanisme Pemungutan dan Voting and Counting Mechanism
Penghitungan Suara
RUPS tahun 2023 dipimpin oleh anggota Komisaris yang ditunjuk The 2023 General Meeting of Shareholders was chaired by
oleh Dewan Komisaris berdasarkan keputusan Dewan Komisaris members of the Boards of Commissioners who was appointed by
(berdasarkan Pasal 10 ayat (12) Anggaran Dasar Bank). Acara the Board of Commissioners (based on the Article 10 paragraph
RUPS dimulai dengan pembacaan Tata Tertib RUPS dan menjadi (12) of the Bank’s Articles of Association). The GMS begins with the
bagian dalam Berita Acara RUPS. reading of the GMS rules and becomes part of the GMS Minutes.
Setelah semua pertanyaan ditanggapi, dilakukan pemungutan suara After all questions have been answered, a vote is carried out by
dengan mengisi surat suara yang telah dibagikan sebelum RUPS filling in the ballots that have been distributed before the GMS
dimulai. Pemegang Saham atau kuasanya yang sah memiliki hak takes place. Shareholders or their legal proxies have the right to
untuk memberikan suara dalam pengambilan keputusan. Notaris vote in decision making. The notary will count the number of non-
akan menghitung jumlah suara tidak setuju atau blanko, dan hasil approving or blank votes and convey the results of the count to
penghitungan tersebut akan disampaikan kepada pimpinan rapat. the chairman of the meeting.
Hak Pemegang Saham Rights of Shareholders
Pemegang Saham memiliki hak untuk berpartisipasi dalam Shareholders have the rights to participate in decision-making
pengambilan keputusan-keputusan terkait: related to:
1. Perubahan Anggaran Dasar dan perubahan-perubahan 1. The amendments to the Articles of Association and other
mendasar lainnya mengenai Bank; fundamental changes regarding the Bank;
2. Hak untuk berpartisipasi secara efektif dan menggunakan 2. The rights to participate effectively and to vote at the GMS;
suara dalam RUPS; serta and
3. Hak untuk mendapatkan informasi mengenai RUPS termasuk 3. The rights obtain information related the GMS, including the
mata acara/agenda, aturan, dan prosedur dalam pengambilan agenda, rules, and voting procedures.
suara.
Bank Sinarmas melindungi dan memfasilitasi pelaksanaan hak-hak Bank Sinarmas protects and facilitates the shareholders’ basic
dasar Pemegang Saham, seperti: rights, namely:
1. Menghadiri dan memberikan 1 suara dalam RUPS; 1. Attending and giving 1 vote during the GMS;
2. Mendapatkan informasi yang relevan dan material secara 2. Obtaining relevant and material information in a timely
tepat waktu; manner;
3. Dapat memberikan kuasa kepada pihak lain apabila Pemegang 3. Being able to grant power of attorney to other parites if the
Saham berhalangan hadir dalam RUPS; shareholders are unable to attend the GMS;
4. Memperoleh materi RUPS sebelum RUPS dilaksanakan; 4. Being able to give approval, not approval or not voting in
5. Dapat memberikan suara setuju, tidak setuju atau abstain every propsed decision during the GMS:
pada setiap usulan putusan agenda RUPS; dan 5. Receiving fair and equal treatment from Bank Sinarmas.
6. Mendapat perlakuan yang sama dan setara dari Bank
Sinarmas.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Akses Informasi Pemegang Saham Shareholders access of Information
Pemegang Saham dapat memperoleh informasi terkait Bank Shareholders can obtain information related to Bank Sinarmas
Sinarmas melalui berbagai media komunikasi, antara lain RUPS, through various communication media, including through the
paparan publik, media sosial, publikasi Laporan Keuangan Per GMS, public expose, social media, publication of Quarterly Financial
Kuartal, Laporan Tahunan, situs web (www.banksinarmas. com) Reports, Annual Reports, website (www.banksinarmas. com),
serta akses email kepada Corporate Secretary and e-mail access to the Corporate Secretary
(corporate.secretary@banksinarmas.com). (corporate.secretary@banksinarmas.com).
Pelaksanaan RUPS 2023 2023 GMS Implementation
Pada tahun 2023, Bank telah melaksanakan RUPS Tahunan pada In 2023, the Bank held the Annual General Meeting of
tanggal 27 Juni 2023, dengan rincian sebagai berikut. Shareholders on June 27, 2023, the details are as follows.
Tanggal dan Waktu Tempat Pimpinan RUPS Tahunan
Date and Time Place Chairman of the Annual GMS
Selasa, 27 Juni 2023 Ruang Danamas, Sinar Mas Land Plaza, Tjendrawati Widjaja selaku Komisaris Utama
10.37 WIB-11.22 WIB Tower II Lt. 39 Tjendrawati Widjaja as President Commissioner
Tuesday, June 27, 2023 Jl. MH Thamrin No. 51 Jakarta 10350
10.37 AM-11.22 AM
Kehadiran
Attendance
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Tjendrawati Widjaja : Komisaris Utama / Frenky Tirtowijoyo : Direktur Utama / President Director
President Commissioner Halim : Direktur / Director
Sammy Kristamuljana : Komisaris Independen / Hanafi Himawan : Direktur / Director
Independent Commissioner Soejanto Soetjijo : Direktur / Director
Rusmin : Komisaris Independen / Miko Andidjaja : Direktur / Director
Independent Commissioner Uzan Tedjamulia : Direktur / Director
Ekajaya Ongny Putra : Direktur / Director
Pemegang Saham Pihak Independen
Shareholders Independent Parties
15.475.512.963 saham atau 78,49% dari jumlah Aulia Taufani, SH, selaku Notaris dan PT Sinartama Gunita selaku Biro Administrasi Efek.
19.716.162.403 saham. Aulia Taufani, S.H. as Notary and PT Sinartama Gunita as Securities Administration Bureau.
15,475,512,963 shares or 78.49% of the total
19,716,162,403 shares.
Tahapan RUPS Tahunan
Stages of the Annual GMS
Uraian Kegiatan Pelaksanaan Ketentuan
Description of Activity Implementation Provision
Pemberitahuan RUPS Pemberitahuan kepada Otoritas Jasa Keuangan tentang rencana Perusahaan Terbuka wajib terlebih dahulu
Tahunan kepada Regulator dan mata acara Rapat pada tanggal 11 Mei 2023 dengan Surat menyampaikan pemberitahuan mata acara rapat
SKL.146/2023/PRESDIR perihal Pemberitahuan Rencana Rapat Umum kepada Otoritas Jasa Keuangan paling lambat 5 hari
Pemegang Saham Tahunan (“RUPS Tahunan”) PT. Bank Sinarmas Tbk. kerja sebelum pengumuman RUPS, dengan tidak
(“Bank”). memperhitungkan tanggal pengumuman RUPS.
Annual GMS Notification Notification to the Financial Services Authority on the Meeting plan and The Public Company must first notify the agenda
to the reguator agenda on May 11, 2023, through letter SKL.146/2023/PRESDIR on of the meeting to the Financial Services Authority
Notification of the Plan of the Annual General Meeting of Shareholder no later than 5 working days prior to the
(Annual GMS) of PT. Bank Sinarmas Tbk. (“Bank”). announcement of the GMS, excluding the date of
the GMS announcement.
Pengumuman RUPS • Diumumkan melalui surat kabar Investor Daily Indonesia pada Perusahaan Terbuka wajib melakukan
Tahunan tanggal 19 Mei 2023; pengumuman RUPS kepada Pemegang Saham
• Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy paling lambat 14 hari sebelum pemanggilan
dan e-reporting melalui Sistem Pelaporan Elektronik Otoritas Jasa RUPS, dengan tidak memperhitungkan tanggal
Keuangan(SPE OJK)) dan Bursa Efek Indonesia (e-reporting melalui pengumuman dan tanggal pemanggilan.
IDXNet) pada tanggal 19 Mei 2023;
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Uraian Kegiatan Pelaksanaan Ketentuan
Description of Activity Implementation Provision
• Diunggah pada situs web Bank (www. banksinarmas.com) di hari
yang sama; dan
• Diunggah pada situs web bursa (www.idx.co.id) dan situs web
Kustodian Sentral Efek Indonesia (KSEI) (www.ksei.co.id).
Annual GMS • Announced through Investor Daily Indonesia newspaper on May 19, The Public Company shall announce the GMS
Annoucnement 2023; to shareholders no later than 14 days prior to
• Proof of advertisement was submitted to the Financial Services the invitation to the GMS, excluding the date of
Authority (hardcopy and e-reporting via Financial Services Authority announcement and the date of the invitation.
Electronic Reporting System (SPE OJK) and Indonesia Stock Exchange
(e-reporting via IDXNet) on May 19, 2023;
• Uploaded on the Bank’s website (www.banksinarmas.com) on the
same day;
• Uploaded on the stock exchange website (www. idx.co.id) and The
Indonesia Central Securities Depository (KSEI) website (www.ksei.co.id).
Pemanggilan serta • Diumumkan melalui surat kabar Investor Daily Indonesia pada Perusahaan Terbuka wajib melakukan pemanggilan
Penjelasan Mata Acara tanggal 5 Juni 2023; kepada Pemegang Saham paling lambat 21 hari
• Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy sebelum tanggal penyelenggaraan RUPS, dengan
dan e-reporting melalui SPE OJK) dan Bursa Efek Indonesia tidak memperhitungkan tanggal pemanggilan dan
(e-reporting melalui IDXNet) pada tanggal 5 Juni 2023; tanggal penyelenggaraan RUPS.
• Diunggah pada situs web Bank (www. banksinarmas.com) di hari
yang sama; dan
• Diunggah pada situs web bursa (www.idx.co.id) dan situs web KSEI
(www.ksei.co.id).
Invitation and Agenda • Announced through the Investor Daily newspaper on June 5, 2023; The Public Company shall conduct the summot
Explanation • Proof of advertisement was submitted to Financial Services Authority to the GMS to shareholders no later than 21
(hardcopy and e-reporting via Financial Services Authority Electronic days prior to the implementation of the GMS,
Reporting System (SPE OJK) and Indonesia Stock Exchange (e-reporting excluding the date of invitation and the date of
via IDXNet) on June 5, 2023; the implementation of the GMS.
• Uploaded on the Bank’s website (www.banksinarmas.com) on the
same day;
• Uploaded on the stock exchange website (www. idx.co.id) and The
Indonesia Central Securities Depository (KSEI) website (www.ksei.co.id).
Ringkasan Risalah (Hasil) • Dipublikasikan pada tanggal 28 Juni 2023 melalui surat kabar harian Ringkasan risalah RUPS wajib diumumkan kepada
RUPS Tahunan Investor Daily Indonesia; masyarakat paling lambat 2 hari kerja setelah
• Bukti iklan disampaikan kepada Otoritas Jasa Keuangan (hardcopy RUPS diselenggarakan.
dan e-reporting melalui SPE OJK) dan Bursa Efek Indonesia
(e-reporting melalui IDXNet) serta dipublikasikan melalui surat kabar
harian Investor Daily Indonesia pada tanggal 28 Juni 2023;
• Diunggah pada situs web Bank www.banksinarmas.com pada
tanggal 28 Juni 2023; dan
• Diunggah pada situs web bursa www.idx.co.id dan situs web KSEI
www.ksei.co.id melalui surat kabar harian Investor Daily Indonesia.
Summary of Minutes • Announced through the Investor Daily newspaper on June 28, 2023; Summary of the minutes of the GMS shall be
(Resolutions) of the Annual • Proof of advertisement was submitted to Financial Services Authority announced to the public no later than 2 days after
GMS (hardcopy and e-reporting via SPE OJK) and Indonesia Stock Exchange the organizing of the GMS.
(e-reporting via IDXNet) on June 28, 2023;
• Uploaded on the Bank’s website (www.banksinarmas.com) on 28
June 2023; and
• Uploaded on the stock exchange website (www. idx.co.id) and The
Indonesia Central Securities Depository (KSEI) website (www.ksei.
co.id) through Investor Daily Indonesia newspaper.
Keputusan dan Realisasi RUPS Tahunan
Resolution and Realization of the Annual GMS
Mata Acara 1 / Agenda - Item 1
Agenda Keputusan
Agenda Resolution
Persetujuan Laporan Tahunan Direksi untuk tahun buku yang Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang
berakhir pada tanggal 31 Desember 2022. berakhir pada 31 Desember 2022.
Approval of the Board of Director’s Report for the fiscal year ending Receive and Approve the Board of Directors’ Annual Report for the fiscal year
December 31, 2022. ending December 31, 2022.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju / Approving : 15.475.512.963 saham / Telah direalisasikan pada tahun 2023.
15,475,512,963 shares Has been implemented in 2023.
Tidak Setuju / Not-approving :-
Abstain / Not voting :-
Tidak Menentukan / Did not determine :-
Mata Acara 2 / Agenda - Item 2
Agenda Keputusan
Agenda Resolution
Pengesahan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) Pengesahan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk
untuk tahun buku yang berakhir pada tanggal 31 Desember 2022 tahun buku yang berakhir pada tanggal 31 Desember 2022 serta memberikan
serta memberikan pembebasan tanggung jawab kepada para anggota pembebasan dan pelunasan tanggung jawab (acquit et de charge) kepada para
Direksi dan Dewan Komisaris atas pengurusan dan pengawasan anggota Direksi atas tindakan pengurusan dan Dewan Komisaris atas tindakan
(acquit et de charge) yang telah dijalankan untuk tahun buku yang pengawasan yang telah dijalankan untuk tahun buku yang berakhir pada tanggal
berakhir pada tanggal 31 Desember 2022. 31 Desember 2022.
Ratification of the Annual Calculation (Balance Sheet and Profit/Loss Approval of the Annual Calculation (Balance Sheet and Profit/Loss Calculation) for
Calculation) for the fiscal year ending December 31, 2022, and to the fiscal year ending on December 31, 2022, as well as granting discharge and
grant release and discharge of responsibilities (acquit et de charge) to settlement of responsibilities (acquit et de charge) to the members of the Board
members of the Board of Directors and the Board of Commissioners of Directors for management actions and to the Board of Commissioners for
for management and supervision that have been carried out for the supervisory actions undertaken for the fiscal year ending on December 31, 2022.
fiscal year ending December 31, 2022.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju / Approving : 15.475.512.963 saham / Telah direalisasikan pada tahun 2023.
15,475,512,963 shares Has been implemented in 2023.
Tidak Setuju / Not-approving :-
Abstain / Not voting :-
Tidak Menentukan / Did not determine :-
Mata Acara 3 / Agenda - Item 3
Agenda Keputusan
Agenda Resolution
Persetujuan penggunaan laba Bank untuk tahun buku yang berakhir 1. Menyetujui penggunaan laba Bank untuk tahun buku yang berakhir pada tanggal
pada tanggal 31 Desember 2022. 31 Desember 2022 sebesar Rp221.160.347.699,- yang akan digunakan sebesar
Rp500.000.000,- untuk dana cadangan sesuai dengan ketentuan pasal 70
Undang-undang No. 40 tahun 2007 dan Pasal 23 Anggaran Dasar Bank.
2. Menyetujui sisa laba bersih Bank sebesar Rp220.660.347.699,- akan
dipergunakan untuk memperkuat permodalan Bank dan dicatat sebagai laba
yang ditahan, sesuai dengan Pasal 23 Ayat 3 Anggaran Dasar Bank akan dikelola
oleh Direksi dengan cara yang tepat menurut pertimbangan Direksi, setelah
memperoleh persetujuan Dewan Komisaris.
3. Memberikan wewenang kepada Direksi Bank untuk mengatur, melaksanakan,
dan menjalankan tindakan-tindakan yang diperlukan sehubungan dengan
penggunaan laba bersih Bank tersebut di atas sesuai dengan ketentuan hukum
dan peraturan yang berlaku.
Approval for the utilization of the Bank’s profit for the fiscal year 1. Approved the utilization of the Bank’s profits for the financial year ended
ending on December 31, 2022. December 31, 2022, amounting Rp221,160,347,699.00 to be used in the
amount of Rp500,000,000.00 for reserve funds in accordance with the provisions
of article 70 paragraph 1 Law No. 40 of 2007 and article 23 of the Company’s
articles of association.
2. Approved that the remaining net profit of the Bank amounting
Rp220,660,347,699.00 will be used to strengthen the Bank’s Capital and posted
as Retained Earning, in accordance with article 23 paragraph 3 will be appropriately
managed by the Board of Directors, subject to the considerations of the Board of
Directors, after obtaining the approval of the Board of Commissioners.
3. Granted the authority to the Bank’s Board of Directors to regulate, implement,
and carry out the necessary actions related to the use of the mentioned Bank’s
net profit in accordance with the applicable laws and regulations.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju / Approving : 15.475.512.963 saham / Telah direalisasikan pada tahun 2023.
15,475,512,963 shares Has been implemented in 2023.
Tidak Setuju / Not-approving :-
Abstain / Not voting :-
Tidak Menentukan / Did not determine :-
Laporan Tahunan dan Keberlanjutan 2023
218 PT. Bank Sinarmas Tbk.
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Mata Acara 4 / Agenda - Item 4
Agenda Keputusan
Agenda Resolution
Penunjukan kantor akuntan publik untuk melakukan pemeriksaan 1. Menyetujui penunjukan Kantor Akuntan Publik Mirawati Sensi Idris untuk melakukan
(audit) pembukuan tahun 2023. pemeriksaan (audit) Laporan Keuangan Bank untuk tahun buku yang akan berakhir
pada tanggal 31 Desember 2023.
2. Memberikan kuasa kepada Dewan Komisaris untuk menetapkan akuntan publik
pada Kantor Akuntan Publik Mirawati Sensi Idris untuk melakukan pemeriksaan
(audit) Laporan Keuangan Bank untuk tahun buku yang akan berakhir pada tanggal
31 Desember 2023.
3. Memberikan kuasa kepada Direksi Bank untuk menetapkan honorarium bagi
kantor akuntan publik tersebut, serta persyaratan-persyaratan lain sehubungan
dengan penunjukan kantor akuntan publik tersebut.
Appointment of a Public Accounting Firm to conduct accounting 1. Approved the appointment of Public Accounting Firm Mirawati Sensi Idris to audit
audits in 2023 the Bank’s Financial Statements for the fiscal year ended December 31, 2023.
2. Granted the authority to the Board of Commissioners to appoint a Public
Accountant at the Public Accounting Firm Mirawati Sensi Idris to audit the Bank’s
Financial Statements for the fiscal year ended December 31, 2023.
3. Granted the authority to the Bank’s Board of Directors to determine the
honorarium for the Public Accounting Firm, as well as other requirement related
to the appointment of the Public Accounting Firm.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju / Approving : 15.475.512.963 saham / Telah direalisasikan pada tahun 2023.
15,475,512,963 shares
Tidak Setuju / Not-approving :- Akuntan Publik Denny Susanto dari Kantor Akuntan Publik Mirawati Sensi Idris telah
Abstain / Not voting :- selesai mengaudit Laporan Keuangan PT. Bank Sinarmas Tbk. periode 31 Desember
Tidak Menentukan / Did not determine :- 2023 pada tanggal 28 Maret 2024 dengan opini Wajar Tanpa Modifikasian.
Has been implemented in 2023.
Public Accountant Denny Susanto from Public Accounting Firm Mirawati Sensi Idris
has completed auditing the Financial Statements of PT Bank Sinarmas Tbk. for the
period ended December 31, 2023, on March 28, 2024, with an Unqualified Opinion.
Mata Acara 5 / Agenda - Item 5
Agenda Keputusan
Agenda Resolution
Penetapan gaji para anggota Direksi serta honorarium Dewan 1. Menetapkan besaran honorarium dan/atau tunjangan lainnya dari Dewan
Komisaris dan Dewan Pengawas Syariah Bank tahun 2023. Komisaris dan Dewan Pengawas Syariah Bank dengan besaran minimal sama
dengan tahun 2022 dan maksimal peningkatan 20% dari tahun 2022.
2. Memberikan wewenang kepada Dewan Komisaris Bank untuk menetapkan gaji
dan tunjangan anggota Direksi Bank dengan memperhatikan usul dari Komite
Remunerasi dan Nominasi Bank.
Determination of salary of members of the Board of Directors, as well 1. Determine the amount of honorarium and/or other allowances for the Bank’s
as Honorarium of the Board of Commissioners and Sharia Supervisory Board of Commissioners and Sharia Supervisory Board to a minimum of the
Board of the Bank in 2023. amount equal to 2022 and a maximum increase of 20% from 2022.
2. Grant the authority to the Bank’s Board of Commisioners to determine the salary
and benefits of members of the Bank’s Board of Directors by considering the
recommendation of the Bank’s Remuneration and Nomination Committee.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju / Approving : 15.475.512.963 saham / Telah direalisasikan pada tahun 2023.
15,475,512,963 shares Has been implemented in 2023.
Tidak Setuju / Not-approving :-
Abstain / Not voting :-
Tidak Menentukan / Did not determine :-
Mata Acara 6 / Agenda - Item 6
Agenda Keputusan
Agenda Resolution
Laporan Realisasi Penggunaan Dana Penawaran Umum Terbatas II Laporan Realisasi Penggunaan Dana Penawaran Umum Terbatas II (PUT II).
(PUT II).
Report on the realization of the use of Limited Public Offering II (LPO II) Report on the realization of the use of Limited Public Offering II (LPO II) proceeds.
proceeds.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Tidak ada pengambilan keputusan karena mata acara bersifat laporan. Telah direalisasikan pada tahun 2023.
There was no decision-making because the agenda item is a report. Has been implemented in 2023.
Mata Acara 7 / Agenda - Item 7
Agenda Keputusan
Agenda Resolution
Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Laporan Realisasi Penggunaan Dana Penawaran Umum Berkelanjutan Obligasi
Obligasi Subordinasi I Tahap I Tahun 2022. Subordinasi I Tahap I Tahun 2022.
Report on the Realization of the Use of Proceeds from the Continuing Report on the Realization of the Use of Proceeds from the Continuing Public
Public Offering of Subordinated Bonds I Phase I of 2022. Offering of Subordinated Bonds I phase I of 2022.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Tidak ada pengambilan keputusan karena mata acara bersifat laporan. Telah direalisasikan pada tahun 2023.
There was no decision-making because the agenda is a report. Has been implemented in 2023.
Mata Acara 8 / Agenda - Item 8
Agenda Keputusan
Agenda Resolution
Persetujuan Perubahan Susunan Pengurus Bank. 1. Menyetujui untuk membatalkan salah satu keputusan RUPS Tahunan tanggal
Approval on the changes of the Bank’s Management Structure. 14 Juni 2022 terkait dengan pengangkatan Bapak Kapil Sharma sebagai
Direktur Bank. Adapun keputusan RUPS Tahunan tanggal 14 Juni 2022 selain
terkait hal tersebut dinyatakan tetap berlaku.
2. Menyetujui pemberhentian dengan hormat Bapak Hanafi Himawan dari jabatannya
selaku Direktur Bank serta memberikan pelunasan dan pembebasan (acquit et de
charge) tanggung jawab sepenuhnya atas tindakan pengurusan yang dilakukan
selama menjalankan jabatannya sepanjang tindakan-tindakan tersebut tercermin
dalam buku-buku Bank dan tidak bertentangan atau melanggar peraturan
perundang-undangan yang berlaku serta mengucapkan terima kasih atas
sumbangsih dan jasa-jasa yang telah diberikan, berlaku efektif setelah berlakunya
Izin Usaha Bank Umum Syariah (BUS) Hasil Pemisahan Unit Usaha Syariah (UUS)
diterbitkan oleh Otoritas Jasa Keuangan dan mengacu kepada hasil penilaian
kemampuan dan kepatutan yang dilakukan oleh Otoritas Jasa Keuangan;
3. Menyetujui pengangkatan Ibu Enny Kamal sebagai Direktur Bank terhitung efektif
setelah mendapatkan persetujuan dari Otoritas Jasa Keuangan sampai dengan
berakhirnya masa jabatan Direksi Bank yang saat ini menjabat, yaitu pada saat
penutupan RUPS Tahunan yang akan diselenggarakan pada tahun 2026.
4. Menyetujui pengangkatan Bapak Sendy sebagai Direktur Bank terhitung efektif
setelah mendapatkan persetujuan dari Otoritas Jasa Keuangan sampai dengan
berakhirnya masa jabatan Direksi Bank yang saat ini menjabat yaitu pada saat
penutupan RUPS Tahunan yang akan diselenggarakan pada tahun 2026.
5. Menetapkan berakhirnya masa jabatan seluruh anggota Direksi dan Dewan
Komisaris Bank yang saat ini menjabat terhitung sejak ditutupnya Rapat.
6. Menetapkan berakhirnya masa jabatan Dewan Pengawas Syariah yang saat ini
menjabat terhitung sejak ditutupnya Rapat.
7. Menyetujui pengangkatan kembali seluruh anggota Direksi, Dewan Komisaris, dan
Dewan Pengawas Syariah Bank untuk masa jabatan terhitung sejak ditutupnya
Rapat sampai dengan penutupan RUPS Tahunan pada akhir 1 periode masa jabatan
anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Bank, yaitu pada
saat penutupan RUPS Tahunan yang akan diselenggarakan pada tahun 2026.
Dengan demikian sejak ditutupnya Rapat, susunan anggota Direksi, Dewan
Komisaris, dan Dewan Pengawas Syariah Bank sebagai berikut.
DIREKSI:
Direktur Utama : Frenky Tirtowijoyo
Direktur : Halim
Direktur : Hanafi Himawan
Direktur : Soejanto Soetjijo
Direktur : Miko Andidjaja
Direktur : Uzan Tedjamulia
Direktur : Ekajaya Ongny Putra
Direktur : Enny Kamal*)
Direktur : Sendy*)
DEWAN KOMISARIS:
Komisaris Utama : Tjendrawati Widjaja
Komisaris Independen : Sammy Kristamuljana
Komisaris Independen : Rusmin
Laporan Tahunan dan Keberlanjutan 2023
220 PT. Bank Sinarmas Tbk.
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DEWAN PENGAWAS SYARIAH:
Ketua : Ahmadi Sukarno
Anggota : Mochammad Bukhori Muslim
Dengan penjelasan sebagai berikut.
*)
pengangkatan Enny Kamal dan Sendy sebagai Direktur Bank terhitung efektif setelah
mendapatkan persetujuandari Otoritas Jasa Keuangan.
8. Menegaskan kembali susunan anggota Direksi dan Dewan Komisaris Bank
setelah berlakunya Izin Usaha BUS Hasil Pemisahan UUS yang diterbitkan oleh
Otoritas Jasa Keuangan sebagai berikut.
DIREKSI:
Direktur Utama : Frenky Tirtowijoyo
Direktur : Miko Andidjaja
Direktur : Ekajaya Ongny Putra
Direktur : Enny Kamal*)
Direktur : Sendy*)
DEWAN KOMISARIS:
Komisaris Utama : Tjendrawati Widjaja
Komisaris Independen : Sammy Kristamuljana
Komisaris Independen : Rusmin
Dengan penjelasan sebagai berikut:
*)
pengangkatan Ibu Enny Kamal dan Bapak Sendy sebagai Direktur Bank terhitung efektif
setelah mendapatkan persetujuan dari Otoritas Jasa Keuangan.
9. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Bank
dengan hak substitusi untuk melaksanakan keputusan tersebut di atas termasuk
tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di
hadapan notaris dan memberitahukan perubahan tersebut kepada pihak yang
berwenang.
1. Approve the cancellation of one of the resolutions of the Annual GMS dated
June 14, 2022, regarding the appointment of Mr. Kapil Sharma as a Director of
the Bank. As for the resolutions of the Annual GMS dated June 14, 2022, other
than that, it is declared to remain valid;
2. Approve the honorable discharge of Mr. Hanafi Himawan from his position as
Director of the Bank and provide release and discharge (acquit et de charge) of
full responsibility for management actions taken during his tenure as long as such
actions are reflected in the Bank’s books and are not contrary to or in violation of
applicable laws and regulations, and express gratitude for the contributions and
services provided, effective after the issuance of the business license for Sharia
Commercial Bank (BUS) from the spin-off of the Sharia Business Unit (UUS) issued
by Financial Services Authority and refers to the results of the assessment of
competence and suitability conducted by Financial Services Authority;
3. Approve the appointment of Mrs. Enny Kamal as the Bank’s Director effective
after receiving approval from Financial Services Authority until the end of the
term of the current Board of Directors of the Bank, which is at the closing of the
Annual GMS to be held in 2026;
4. Approve the appointment of Mr. Sendy as Director of the Bank effective upon
obtaining approval from Financial Services Authority until the end of the term of
the current Board of Directors of the Bank, which is at the closing of the Annual
GMS to be held in 2026;
5. Determine the end of the term of office for all members of the Board of Directors
and the Board of Commissioners of the Bank currently serving, effective from the
closing of the Meeting;
6. Determine the end of the term of office for the Sharia Supervisory Board currently
serving, effective from the closing of the Meeting;
7. Approve the reappointment of all members of the Board of Directors, the Board
of Commissioners, and Sharia Supervisory Board of the Bank for the term of
office effective from the closing of the Meeting until the closing of the Annual
GMS at the end of 1 term of office for members of the Board of Directors, the
Board of Commissioners, and Sharia Supervisory Board of the Bank, which is at
the closing of the Annual GMS to be held in 2026;
Therefore, as of the closing of the Meeting, the composition of the members of
the Board of Directors, Board of Commissioners, and Sharia Supervisory Board of
the Bank is as follows.
BOARD OF DIRECTOR
President Director : Frenky Tirtowijoyo
Director : Halim
Director : Hanafi Himawan
Director : Soejanto Soetjijo
Director : Miko Andidjaja
Director : Uzan Tedjamulia
Director : Ekajaya Ongny Putra
2023 Annual and Sustainability Report
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Director : Enny Kamal*)
Director : Sendy*)
BOARD OF COMMISSIONERS
President Commissioner : Tjendrawati Widjaja
Independent Commissioner : Sammy Kristamuljana
Independent Commissioner : Rusmin
SHARIA SUPERVISORY BOARD
Chairman : Ahmadi Sukarno
Member : Mochammad Bukhori Muslim
With following explanation
*)
the appointment of Enny Kamal and Sendi as the Bank’s Director is effective upon the approval of
Financial Services Authority
8. Reaffirm the composition of the Board of Directors and the Board of
Commissioners of the Bank after the business issuance of the Sharia Commercial
Bank (BUS) Resulting from the spin off of Sharia Business Units (UUS) by the
Financial Services Authority as follows:
BOARD OF DIRECTORS
President Director : Frenky Tirtowijoyo
Director : Miko Andidjaja
Director : Ekajaya Ongny Putra
Director : Enny Kamal*)
Director : Sendy*)
BOARD OF COMMISSIONERS:
President Commissioner : Tjendrawati Widjaja
Independent Commissioner : Sammy Kristamuljana
Independent Commissioner : Rusmin
With following explanation
*)
the appointment of Mrs. Enny Kamal and Mr. Sendy as the Bank’s Directors is effective upon
the approval of Financial Services Authority.
9. Appoint and grant the authorization to the Board of Directors and/or Corporate
Secretary of the Bank, with the right of substitution, to execute the above resolutions
including but not limited to signing the minutes of the meeting’s resolutions before
a notary public and notify the relevant authorities of these changes.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju / Approving : 15.475.512.963 saham / Telah direalisasikan pada tahun 2023.
15,475,512,963 shares
Tidak Setuju / Not-approving :- Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank Sinarmas mengalami
Abstain / Not voting :- perubahan sebagai hasil dari efektifnya pemisahan Unit Usaha Syariah. Dengan
Tidak Menentukan / Did not determine :- demikian, komposisi Direksi dan Dewan Komisaris sebagai berikut.
DIREKSI:
Direktur Utama : Frenky Tirtowijoyo
Direktur : Miko Andidjaja
Direktur : Ekajaya Ongny Putra
Direktur : Enny Kamal
Direktur : Sendy
DEWAN KOMISARIS:
Komisaris Utama : Tjendrawati Widjaja
Komisaris Independen : Sammy Kristamuljana
Komisaris Independen : Rusmin
Has been implemented in 2023.
On January 1, 2024, there was a change in the Board of Directors’ composition of
Bank Sinarmas as a result of effective separation of Sharia Business Unit. Thus, the
composition of the Board of Directors and the Board of Commissioners is as follows.
BOARD OF DIRECTORS
President Director : Frenky Tirtowijoyo
Director : Miko Andidjaja
Director : Ekajaya Ongny Putra
Director : Enny Kamal
Director : Sendy
Laporan Tahunan dan Keberlanjutan 2023
222 PT. Bank Sinarmas Tbk.
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BOARD OF COMMISSIONERS
Chairman Commissioner: Tjendrawati Widjaja
Independent Commissioner: Sammy Kristamuljana
Independent Commissioner: Rusmin
Mata Acara 9 / Agenda - Item 9
Agenda Keputusan
Agenda Resolution
Persetujuan Perubahan Anggaran Dasar Bank. 1. Menyetujui perubahan Anggaran Dasar Bank efektif setelah berlakunya Izin
Approval for the amendement of the Bank’s Articles of Association Usaha BUS Hasil Pemisahan UUS yang diterbitkan oleh Otoritas Jasa Keuangan,
yaitu:
a. Mengubah Pasal 3 Anggaran Dasar Bank tentang maksud dan tujuan serta
kegiatan usaha Bank dengan memperhatikan implementasi Klasifikasi Baku
Lapangan Usaha Indonesia (KBLI) 2020; dan
b. Menghapus Pasal 20 Anggaran Dasar Bank tentang Dewan Pengawas Syariah.
2. Memberikan kuasa kepada Direksi Bank dan/atau Corporate Secretary Bank
dengan hak substitusi untuk melakukan segala tindakan yang diperlukan
berkaitan dengan keputusan Mata Acara Rapat ini, termasuk namun tidak
terbatas untuk menyusun dan menyatakan kembali seluruh Anggaran Dasar Bank
dalam suatu akta notaris, dan untuk memberitahukan dan/atau mengajukan
permohonan persetujuan atas perubahan Anggaran Dasar Bank tersebut kepada
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan instansi-instansi
terkait, dan untuk melaksanakan tindakan lainnya yang mungkin diperlukan
tanpa ada yang dikecualikan.
1. Approved changes to the Bank’s Articles of Association effective since the issuance
of the Sharia Commercial Bank (BUS) Business License resulting from the Spin-off
of Sharia Business Unit (UUS) issued by the Financial Services Authority, as follows:
a. Amended Article 3 of the Bank’s Articles of Association regarding the aims and
objectives and business activities of the Bank by considering the implementation
of the The Indonesian Standard Business Field Classification (KLBI); and
b. Removed Article 20 of the Bank’s Articles of Association concerning the Sharia
Supervisory Board.
2. Authorized the Bank’s Board of Directors and/or Corporate Secretary with
substitution rights to take all necessary actions related to the resolutions on the
Agenda of this Meeting, including but not limited to compiling and restating the
entire Bank’s Articles of Association in a Notary Deed, and to notify and / or submit
an application for approval of changes to the Bank’s Articles of Association to the
Minister of Law and Human Rights of the Republic of Indonesia and related agencies,
and to carry out other actions that may be required without any exceptions.
Hasil Pemungutan Suara Realisasi/Tindak Lanjut
Voting Results Realization/Follow-up
Setuju / Approving : 15.475.512.963 saham / Telah direalisasikan pada tahun 2023.
15,475,512,963 shares Has been implemented in 2023.
Tidak Setuju / Not-approving :-
Abstain / Not voting :-
Tidak Menentukan / Did not determine :-
Keputusan dan Realisasi atas Keputusan RUPS Resolutions and Realization of the 2022 GMS
Tahun 2022
RUPS Tahunan 14 Juni 2022
Annual GMS June 14, 2022
Keputusan Realisasi/Tindak Lanjut
Resolution Realization/Follow-up
Mata Acara 1 / Agenda – Item 1
Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir pada 31 Desember 2021. Telah direalisasikan pada tahun 2022.
Received and approved the Board of Directors’ Annual Report for the financial year ending December 31, 2021. Has been implemented in 2022.
Mata Acara 2 / Agenda – Item 2
Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang berakhir pada
tanggal 31 Desember 2021 serta memberikan pembebasan tanggung jawab kepada para anggota Direksi dan
Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge) yang telah dijalankan untuk tahun
buku yang berakhir pada 31 Desember 2021.
Ratification of the Annual Calculation (Balance Sheet and Profit/Loss Calculation) for the financial year ending
December 31, 2021, and to grant release and discharge (acquit et de charge) of responsibility to members of the
Board of Directors and Board of Commissioners for management and supervision that have been carried out or
the financial year ending December 31, 2021.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Keputusan Realisasi/Tindak Lanjut
Resolution Realization/Follow-up
Mata Acara 3 / Agenda – Item 3
1. Menyetujui penggunaan laba Bank untuk tahun buku yang berakhir pada 31 Desember 2021 sebesar Telah direalisasikan pada tahun 2022.
Rp127.748.416.323,- yang akan digunakan sebesar Rp500.000.000,- untuk dana cadangan sesuai dengan Has been implemented in 2022.
ketentuan Pasal 70 ayat 1 Undang-undang No. 40 tahun 2007 dan Pasal 23 Anggaran Dasar Bank.
2. Menyetujui sisa laba bersih Bank sejumlah Rp127.748.416.323,- akan dipergunakan untuk memperkuat permodalan
Bank dan dicatat sebagai laba yang ditahan, sesuai dengan Pasal 23 Ayat 3 akan dikelola oleh Direksi dengan cara
yang tepat menurut pertimbangan Direksi, setelah memperoleh persetujuan Dewan Komisaris.
3. Memberikan wewenang kepada Direksi Bank untuk mengatur, melaksanakan, dan menjalankan tindakan-
tindakan yang diperlukan sehubungan dengan penggunaan laba bersih Bank tersebut di atas sesuai dengan
ketentuan hukum dan peraturan yang berlaku.
1. Approve the utilization of the Bank’s profit for the fnancial year ending on December 31, 2021, amounting
to Rp127,748,416,323, of which Rp500,000,000 will be allocated for reserve funds in accordance with the
provisions of Article 70 paragraph 1 of Law No. 40 of 2007 and Article 23 of the Bank’s Articles of Association.
2. Approve that the remaining net profit of the Bank amounting to Rp127,748,416,323 to be used to strengthen
the Bank’s capital and recorded as retained earnings, in accordance with Article 23 Paragraph 3 to be managed
by the Board of Directors in a suitable manner according to the Board of Directors’ considerations, after obtaining
approval from the Board of Commissioners.
3. Grant the authority to the Board of Directors of the Bank to regulate, implement, and carry out necessary
actions regarding the utilization of the above-mentioned net profit of the Bank in accordance with applicable
laws and regulations.
Mata Acara 4 / Agenda – Item 4
1. Menyetujui penunjukan Kantor Akuntan Publik Mirawati Sensi Idris untuk melakukan pemeriksaan (audit) Telah direalisasikan pada tahun 2022.
Laporan Keuangan Bank untuk tahun buku yang akan berakhir pada tanggal 31 Desember 2022. Has been implemented in 2022.
2. Memberikan kuasa kepada Dewan Komisaris untuk menetapkan akuntan publik pada Kantor Akuntan Publik
Mirawati Sensi Idris untuk melakukan pemeriksaan (audit) Laporan Keuangan Bank untuk tahun buku yang
akan berakhir pada tanggal 31 Desember 2022.
3. Memberikan kuasa kepada Direksi Bank untuk menetapkan honorarium bagi kantor akuntan publik tersebut,
serta persyaratan-persyaratan lain sehubungan dengan penunjukan kantor akuntan publik tersebut.
1. Approve the appointment of Public Accounting Firm Mirawati Sensi Idris to audit the Bank’s Financial Statement
for the fiscal year ended December 31, 2022.
2. Grant the authority to the Board of Commissioners to appoint a Public Accountant at Public Accounting Firm
Mirawati Sensi Idris to audit the Bank’s Financial Statement for fiscal year ended December 31, 2022.
3. Grant the authority to the Bank’s Board of Direcors to determine the honorarium for the Public Accounting firm,
as well as other requirements related to the appointment of the Public Accounting Firms.
Mata Acara 5 / Agenda – Item 5
1. Memberikan wewenang kepada Dewan Komisaris Bank untuk menetapkan gaji dan tunjangan anggota Direksi Telah direalisasikan pada tahun 2022.
Bank dengan memperhatikan usul dari Komite Remunerasi dan Nominasi Bank; dan Has been implemented in 2022.
2. Menetapkan besaran honorarium dan/atau tunjangan lainnya dari Dewan Komisaris dan Dewan Pengawas Syariah
Bank dengan besaran minimal sama dengan tahun 2021 dan maksimal peningkatan 20% dari tahun 2021.
1. Grant the authority to the Board of Commissioners of the Bank to determine the salaries and benefits of
the members of the Bank’s Board of Directors, by considering proposals from the Bank’s Remuneration and
Nomination Committee; and
2. Determine the amount of honorarium and/or other allowances for the Board of Commissioners and the Sharia
Supervisory Board of the Bank, with a minimum amount equal to that of the year 2021 and a maximum increase
of 20% from the year 2021.
Mata Acara 6 / Agenda – Item 6
Laporan realisasi penggunaan dana Penawaran Umum Terbatas II (PUT II). Telah direalisasikan pada tahun 2022.
Report on the utilization of the Limited Public Offering II (LPO II) proceeds. Has been implemented in 2022.
Mata Acara 7 / Agenda – Item 7
Menyetujui perubahan penggunaan dana PUT II sebesar Rp275.752.717.754,59 yang semula ditujukan untuk Telah direalisasikan pada tahun 2022.
pemenuhan alokasi modal inti, akan digunakan untuk modal kerja. Telah direalisasikan pada tahun 2022.
Approve the change in the utilization of LPO II proceeds amounting to Rp275,752,717,754.59, originally intended Has been implemented in 2022.
for fulfilling core capital allocation, to be used for working capital.
Mata Acara 8 / Agenda – Item 8
Susunan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Bank sebagai berikut. Telah direalisasikan pada tahun 2022.
DIREKSI:
Direktur Utama : Frenky Tirtowijoyo Pencalonan Direktur atas nama
Direktur : Halim Bapak Kapil Sharma tidak di proses
Direktur : Hanafi Himawan lebih lanjut. Pembatalan pencalonan
Direktur : Soejanto Soetjijo tersebut telah mendapat persetujuan
Direktur : Miko Andidjaja pada RUPS 2023.
Direktur : Uzan Tedjamulia
Direktur : Ekajaya Ongny Putra*)
Direktur : Kapil Sharma**)
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Keputusan Realisasi/Tindak Lanjut
Resolution Realization/Follow-up
DEWAN KOMISARIS: Has been implemented in 2022.
Komisaris Utama : Tjendrawati Widjaja
Komisaris Independen : Sammy Kristamuljana The nomination of Mr. Kapil Sharma
Komisaris Independen : Rusmin as a Director is not further processed.
The cancellation of this nomination
DEWAN PENGAWAS SYARIAH: has been approved at the GMS 2023.
Ketua : Ahmadi Sukarno
Anggota : Mochammad Bukhori Muslim
Dengan penjelasan sebagai berikut:
*)
Pengangkatan Bapak Ekajaya Ongny Putra sebagai Direktur Bank terhitung efektif setelah mendapatkan persetujuan dari
Otoritas Jasa Keuangan.
**)
Pengangkatan Bapak Kapil Sharma sebagai Direktur Bank terhitung efektif setelah mendapatkan persetujuan dari Otoritas Jasa
Keuangan dan regulator terkait.
The Composition of the Board of Directors, the Board of Commissioners, and the Sharia Supervisory Board of the
Bank is as follows.
BOARD OF DIRECTORS
President Director : Frenky Tirtowijoyo
Director : Halim
Director : Hanafi Himawan
Director : Soejanto Soetjijo
Director : Miko Andidjaja
Director : Uzan Tedjamulia
Director : Ekajaya Ongny Putra*)
Director : Kapil Sharma**)
BOARD OF COMMISSIONERS
President Commissioner : Tjendrawati Widjaja
Independent Commissioner : Sammy Kristamuljana
Independent Commissioner : Rusmin
SHARIA SUPERVISORY BOARD:
Chairman : Ahmadi Sukarno
Member : Mochammad Bukhori Muslim
With following explanation
*)
The appointment of Mr. Ekajaya Ongny Putra as Director of the Bank is effective upon obtaining approval from the Financial
Services Authority.
**)
The appointment of Mr. Kapil Sharma as Director of the Bank is effective upon obtaining approval from the Financial Services
Authority and relevant regulators.
RUPS Luar Biasa 14 Juni 2022
Extraordinary GMS June 14, 2022
Keputusan Realisasi/Tindak Lanjut
Resolution Realization/Follow-up
Mata Acara 1 / Agenda– Item 1
1. Menyetujui Pemisahan Unit Usaha Syariah PT Bank Sinarmas Tbk dan setiap hal-hal atau tindakan lain yang mungkin Telah direalisasikan pada tahun 2022.
diperlukan untuk melaksanakan pemisahan tersebut (“Pemisahan”), dengan mendirikan Bank Umum Syariah,
berlaku efektif setelah memperoleh persetujuan izin usaha yang diterbitkan oleh Otoritas Jasa Keuangan. Pemisahan Unit Usaha Syariah
2. Menyetujui pemberian kuasa dan wewenang kepada Direksi Bank dengan hak substitusi, untuk melakukan (UUS) PT. Bank Sinarmas Tbk. telah
setiap dan seluruh tindakan sehubungan dengan hal-hal yang berkaitan dengan Pemisahan tersebut dengan dilakukan melalui pendirian PT Bank
memperhatikan Anggaran Dasar Bank dan peraturan perundang-undangan yang berlaku. Nano Syariah. Adapun pengalihan hak
3. Meratifikasi dan menyetujui segala dan setiap tindakan yang telah dan akan dilakukan oleh Direksi dan/atau dan kewajiban UUS ke PT Bank Nano
Dewan Komisaris Perseroan tanpa ada yang dikecualikan sehubungan dengan hal-hal yang berkaitan dengan Syariah dilaksanakan pada tanggal 1
Pemisahan tersebut dengan memperhatikan Anggaran Dasar Bank dan peraturan perundang-undangan yang Januari 2024 dan efektif beroperasi di
berlaku. seluruh jaringan kantor PT Bank Nano
Syariah pada tanggal 2 Januari 2024.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Keputusan Realisasi/Tindak Lanjut
Resolution Realization/Follow-up
1. Approved the Spin-off of Sharia Business Unit of PT Bank Sinarmas Tbk. and any other matters or actions that Has been implemented in 2022.
may be required to carry out the Spin-off (“Spin-off”), by establishing a Sharia Commercial Bank, is effective
after obtaining approval for a business license issued by the Financial Services Authority. The Spin-off of Sharia Business Unit
2. Approved the granting of power and authority to the Board of Directors of the Bank with the right of substitution, (UUS) of PT. Bank Sinarmas Tbk.
to take any and all actions in connection with matters related to the Spin-off, by considering the Bank’s Articles has been carried out through the
of Association and applicable laws and regulations. establishment of PT Bank Nano Syariah.
3. Ratified and approved all and every action that has been and will be carried out by the Bank’s Board of Directors The transfer of rights and obligations of
and/or the Board of Commissioners without any exceptions in relation to matters related to the Spin-off, by the UUS to PT Bank Nano Syariah was
considering the Bank’s Articles of Association and applicable laws and regulations. carried out on January 1, 2024, and
became effective in operation across all
branches of PT Bank Nano Syariah on
January 2, 2024.
Mata Acara 2 / Agenda– Item 2
1. Menyetujui Rancangan Pemisahan Unit Usaha Syariah PT. Bank Sinarmas Tbk. dengan mendirikan Bank Umum Telah direalisasikan pada tahun 2022.
Syariah dengan pokok-pokok pemisahan yang terdapat dalam Rancangan Pemisahan yang disusun oleh Direksi Has been implemented in 2022.
Perseroan dan telah disetujui oleh Dewan Komisaris Bank.
2. Meratifikasi dan menyetujui segala dan setiap tindakan yang telah dan akan dilakukan oleh Direksi dan/atau Dewan
Komisaris Bank tanpa ada yang dikecualikan sehubungan dengan hal-hal yang berkaitan dengan Rancangan
Pemisahan dengan memperhatikan Anggaran Dasar Perseroan dan peraturan perundang-undangan yang berlaku.
1. Approved the Plan for Spin-off of Sharia Business Unit of PT. Bank Sinarmas Tbk. by establishing a Sharia
Commercial Bank with the main points of Spin-off stipulated in the Spin-off Plan prepared by the Company’s
Board of Directors and approved by the Board of Commissioners of the Bank.
2. Ratified and approved all and every action that has been and will be carried out by the Board of Directors and/
or the Board of Commissioners of the Bank without any exceptions in connection with matters related to the
Spin-off Plan in accordance with the Company’s Articles of Association and applicable laws and regulations.
Mata Acara 3 / Agenda– Item 3
1. Menyetujui Konsep Akta Pemisahan. Telah direalisasikan pada tahun 2022.
2. Menyetujui pemberian kuasa dan wewenang kepada Direksi Bank dengan hak substitusi, untuk melakukan Has been implemented in 2022.
setiap dan seluruh tindakan sehubungan dengan hal-hal yang berkaitan dengan Konsep Akta Pemisahan
dengan memperhatikan Anggaran Dasar Bank dan peraturan perundang-undangan yang berlaku, termasuk
untuk membuat atau meminta dibuatkan segala akta-akta, surat-surat maupun dokumen yang diperlukan,
hadir di hadapan pihak/pejabat yang berwenang, mengajukan permohonan persetujuan dan/atau melakukan
pemberitahuan kepada pihak/pejabat yang berwenang untuk memperoleh persetujuan dari Otoritas Jasa
Keuangan sesuai dengan ketentuan perundang-undangan yang berlaku dan untuk membuat pengubahan dan/
atau tambahan dalam bentuk yang diperlukan untuk memperoleh persetujuan atau diterimanya pemberitahuan
tersebut, dan untuk melaksanakan tindakan lainnya yang mungkin diperlukan tanpa ada yang dikecualikan.
1. Approved the Concept of Deed of Spin-off
2. Approved the granting of power and authority to the Bank’s Board of Directors, with substitution rights, to take
any and all actions in connection with matters related to the Concept of Deed of Spin-off, in accordance with
the Bank’s Articles of Association and applicable laws and regulations, including drawing up or requesting the
creation of all required deeds, letters, or documents, present before authorized party/official, submitting an
application for approval and/or notify the authorized party/official to obtain approval from Financial Services
Authority in accordance with applicable laws and regulations, and to make amendements and/or additions in
the form required to obtain approval or receipt of the notification, and to carry out other actions that may be
required without any exceptions.
Mata Acara 4 / Agenda– Item 4
1. Menyetujui Rancangan Akta Pendirian Bank Umum Syariah hasil Pemisahan, meliputi Nama PT, Modal Dasar, Telah direalisasikan pada tahun 2022.
Modal ditempatkan, keikutsertaan Perseroan, PT Sinar Mas Multiartha Tbk dan PT Asuransi Sinarmas dalam Has been implemented in 2022.
penyetoran modal dan susunan Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah.
2. Memberikan kuasa kepada Direksi Perseroan dan/atau Corporate Secretary Perseroan dengan hak substitusi
untuk melakukan segala tindakan yang diperlukan berkaitan dengan keputusan Mata Acara Rapat ini, termasuk
namun tidak terbatas untuk menyusun dan untuk memberitahukan dan/atau mengajukan permohonan
persetujuan atas perubahan Anggaran Dasar Bank tersebut kepada Menteri Hukum dan Hak Asasi Manusia
Republik Indonesia dan instansi-instansi terkait, dan untuk melaksanakan tindakan lainnya yang mungkin
diperlukan tanpa ada yang dikecualikan.
1. Approved the Draft of the Establishment Deed of Sharia Commercial Bank resulting from the Spin-off, including
the name of PT, Authorized Capital, Issued Capital, participation of the Company, PT Sinar Mas Multiartha Tbk. and
PT Asuransi Sinarmas in capital deposit and the composition of the Board of Directors, the Board of Commissioners,
and the Sharia Supervisory Board.
2. Granted power of attorney to the Company’s Board of Directors and/or the Corporate Secretary with substitution
rights to take all necessary actions related to the resolutions on the Agenda of this Meeting, including but not
limited to preparing and notifying and/or submitting requests for approval of amendments to the Bank’s Articles
of Association to the Minister of Law and Human Rights of the Republic of Indonesia and related agencies, and
to carry out other actions that may be required without any exceptions.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Keputusan Realisasi/Tindak Lanjut
Resolution Realization/Follow-up
Mata Acara 5 / Agenda– Item 5
1. Menyetujui perubahan anggaran dasar Perseroan efektif setelah berlakunya Izin Usaha BUS Hasil Pemisahan UUS Telah direalisasikan pada tahun 2022.
yang diterbitkan oleh Otoritas Jasa Keuangan, yaitu: Has been implemented in 2022.
a. Mengubah Pasal 3 Anggaran Dasar Bank tentang maksud dan tujuan serta kegiatan usaha Bank dengan
memperhatikan implementasi Klasifikasi Baku Lapangan Usaha Indonesia (KBLI) 2020; dan
b. Menghapus Pasal 20 Anggaran Dasar Perseroan tentang Dewan Pengawas Syariah.
2. Memberikan kuasa kepada Direksi Perseroan dan/atau Corporate Secretary Bank dengan hak substitusi untuk
melakukan segala tindakan yang diperlukan berkaitan dengan keputusan Mata Acara Rapat ini, termasuk
namun tidak terbatas untuk menyusun dan menyatakan kembali seluruh Anggaran Dasar Bank dalam suatu akta
notaris, dan untuk memberitahukan dan/atau mengajukan permohonan persetujuan atas perubahan Anggaran
Dasar Bank tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan instansi-instansi
terkait, dan untuk melaksanakan tindakan lainnya yang mungkin diperlukan tanpa ada yang dikecualikan.
1. Approved changes to the Company’s Articles of Association effective since the issuance of the Business License
of the Sharia Commercial Bank (BUS) resulting from the Spin-off of Sharia Business Unit (USS) issued by the
Financial Serevices Authority, as follows:
a. Amend Article 3 of the Bank’s Articles of Association on the aims and objectives and business activities of the Bank
by considering the implementation of the Indonesian Standard Business Field Classification (KLBI) 2020; and
b. Removing Article 20 of the Company’s Articles of Association concerning the Sharia Supervisory Board;
2. Granted power of attorney to the Bank’s Board of Directors and/or the Corporate Secretary with substitution
rights to take all necessary actions related to the resolutions on the Agenda of this Meeting, including but not
limited to compiling and restating the entire Bank’s Articles of Association in a Notary Deed, and to notify and
/ or submit an application for approval of changes to the Bank’s Articles of Association to the Minister of Law
and Human Rights of the Republic of Indonesia and related agencies, and to carry out other actions that may be
required without any exceptions.
Mata Acara 6 / Agenda– Item 6
1. Menyetujui pemberhentian dengan hormat Bapak Halim, Bapak Soejanto Soetjijo, dan Bapak Uzan Tedjamulia Telah direalisasikan pada tahun 2022.
masing-masing dari jabatannya selaku Direktur Perseroan serta memberikan pelunasan dan pembebasan (acquit Has been implemented in 2022.
de charge) tanggung jawab sepenuhnya selama menjalankan jabatannya sepanjang tindakan-tindakan tersebut
tercermin dalam buku-buku Perseroan dan tidak bertentangan atau melanggar peraturan perundang-undangan
yang berlaku serta mengucapkan terima kasih atas sumbangsih dan jasa-jasa yang telah diberikan, berlaku efektif
setelah berlakunya Izin Usaha BUS Hasil Pemisahan UUS diterbitkan oleh Otoritas Jasa Keuangan.
2. Menyetujui pemberhentian dengan hormat seluruh anggota Dewan Pengawas Syariah Bank serta memberikan
pelunasan dan pembebasan (acquit de charge) tanggung jawab sepenuhnya selama menjalankan jabatannya
sepanjang tindakan-tindakan tersebut tercermin dalam buku-buku Bank dan tidak bertentangan atau melanggar
peraturan perundang-undangan yang berlaku serta mengucapkan terima kasih atas sumbangsih dan jasa-jasa
yang telah diberikan, yang efektif setelah berlakunya Izin Usaha BUS Hasil Pemisahan UUS diterbitkan oleh
Otoritas Jasa Keuangan.
3. Menegaskan kembali susunan anggota Direksi dan Dewan Komisaris Perseroan setelah berlakunya Izin Usaha
BUS Hasil Pemisahan UUS yang diterbitkan oleh Otoritas Jasa Keuangan sebagai berikut.
DIREKSI:
Direktur Utama : Frenky Tirtowijoyo;
Direktur : Hanafi Himawan;
Direktur : Miko Andidjaja;
Direktur : Ekajaya Ongny Putra*) ; dan
Direktur : Kapil Sharma*).
DEWAN KOMISARIS:
Komisaris Utama : Tjendrawati Widjaja;
Komisaris Independen : Sammy Kristamuljana; dan
Komisaris Independen : Rusmin.
Dengan penjelasan sebagai berikut:
*) Pengangkatan Saudara Ekajaya Ongny Putra sebagai Direktur Perseroan terhitung efektif setelah mendapatkan persetujuan
dari Otoritas Jasa Keuangan.
**) Pengangkatan Saudara Kapil Sharma sebagai Direktur Perseroan terhitung efektif setelah mendapatkan persetujuan dari
Otoritas Jasa Keuangan dan regulator terkait.
4. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Bank untuk melaksanakan
keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan
rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang.
1. Approved the honorable discharge of Mr. Halim, Mr. Soejanto Soetjijo, and Mr. Uzan Tedjamulia respectively,
from their positions as Directors of the Company and granted full release and discharge (acquit de charge)
of responsibility while carrying out their positions, as long as these actions were reflected in the books of the
Company and did not conflict with or violate the prevailing laws and regulations, as well as expressing gratitude
for the contributions and services provided, effective since the issuance of the Business License of the Sharia
Commercial Bank (BUS) resulting from the Spin-off of Sharia Business Unit issued by the Financial Services
Authority.
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Keputusan Realisasi/Tindak Lanjut
Resolution Realization/Follow-up
2. Approved the honorable discharge of all members of the Bank’s Sharia Supervisory Board and granted full release
and discharge (acquit de charge) of responsibility while carrying out their positions, as long as these actions were
reflected in the books of the Company and did not conflict with or violate the prevailing laws and regulations,
as well as expressing gratitude for the contributions and services that have been provided, effective since the
issuance of the Business License of the Sharia Commercial Bank (BUS) resulting from the Spin-off of Sharia
Business Unit issued by the Financial Services Authority.
3. Reaffirmed the composition of the Board of Directors and the Board of Commissioners of the Company following
the issuance of the Business License of the Sharia Commercial Bank (BUS) Resulting from the Spin-off of Sharia
Business Units (UUS) by the Financial Services Authority as follows.
THE BOARD OF DIRECTORS:
President Director : Frenky Tirtowijoyo;
Director : Hanafi Himawan;
Director : Miko Andidjaja;
Director : Ekajaya Ongny Putra*) ; and
Director : Kapil Sharma*).
THE BOARD OF COMMISSIONERS:
President Commissioner : Tjendrawati Widjaja;
Independent Commissioner : Sammy Kristamuljana; and
Independent Commissioner : Rusmin.
With following explanation:
*)
The appointment of Mr. Ekajaya Ongny Putra as Director of the Bank is effective upon obtaining approval from the Financial
Services Authority.
**)
The appointment of Mr. Kapil Sharma as Director of the Bank is effective upon obtaining approval from the Financial Services
Authority and relevant regulators.
4. Appointed and authorized the Board of Directors and/or Corporate Secretary of the Bank to execute the
resoltions, including but not limited to signing the minutes of the meeting’s resolutions before a Notary Public
and notifying the relevant authorities of these changes.
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ yang bertanggung jawab The Board of Commissioners is the main organ responsible for
untuk mengawasi dan mengarahkan keberlanjutan usaha Bank, supervising and directing business sustainability of the Bank, as
serta turut serta dalam memantau efektivitas implementasi well as monitoring the effectiveness of GCG implementation at
GCG pada semua tingkatan organisasi. Proses pengangkatan all levels of organization. The appointment and dismissal process
dan pemberhentian Dewan Komisaris dilakukan melalui RUPS of the Board of Commissioners is conducted through the General
berdasarkan rekomendasi Komite Remunerasi dan Nominasi, Meeting of Shareholders (GMS) based on the recommendations
dengan periode jabatan yang ditetapkan dalam RUPS. Komposisi of the Remuneration and Nomination Committee, with the
Dewan Komisaris disesuaikan dengan kebutuhan dan kompleksitas tenure determined in the GMS. The composition of the Board
Bank, mempertimbangkan keahlian, pengalaman profesional, dan of Commissioners is adjusted to the needs and complexity of
latar belakang masing-masing anggota. the Bank, considering the expertise, professional experience, and
background of each member.
Pedoman Dewan Komisaris Board of Commissioner Guidelines
Bank telah menyusun Pedoman Dewan Komisaris yang ditetapkan The Bank has prepared Board of Commissioners Guidelines
melalui No.SK.041/2018/PRESKOM tentang Pedoman Dewan stipulated through No. SK.041/2018/PRESKOM on the Board of
Komisaris Rev 2.0 PT. Bank Sinarmas Tbk. tertanggal 17 Oktober Commissioners Charter Rev 2.0 of PT. Bank Sinarmas Tbk. dated
2018. Isi pedoman tersebut, terdiri dari: October 17, 2018, consisting of:
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1. Ketentuan Umum; 1. General Terms;
2. Landasan Hukum; 2. Legal Foundation;
3. Keanggotaan; 3. Membership;
4. Masa Jabatan; 4. Term of Office;
5. Pengunduran dan Pemberhentian Dewan Komisaris; 5. Resignation and Dismissal of the Board of Commissioners;
6. Benturan Kepentingan; 6. Conflict of Interest;
7. Rangkap Jabatan; 7. Concurrent Positions;
8. Transparansi Dewan Komisaris; 8. Transparency of the Board of Commissioners;
9. Deskripsi Tugas, Tanggung Jawab Secara Umum; 9. Genera; Descriptionof Duties and Responsibilities;
10. Wewenang; 10. Authority;
11. Nilai-nilai; 11. Values;
12. Orientasi Dewan Komisaris; 12. Board of Commissioners Orientation;
13. Pelaporan; dan 13. Reporting; and
14. Larangan. 14. Prohibition.
Tata Tertib Kerja Dewan Komisaris Charter of the Board of Commissioners
Dewan Komisaris juga memiliki tata tertib yang memuat The Board of Commissioners also has a charter covering various
berbagai aspek terkait prosedur, kewajiban, dan tanggung aspects related to procedures, obligation, and responsibility of
jawab anggota Dewan Komisaris dalam menjalankan tugasnya. members of the Board of Commissioners in carrying out their
Tata tertib tersebut diatur dalam Surat Keputusan Dewan duties. The rules are regulated in the Board of Commissioners’
Komisaris No. SK.042/2018/PRESKOM tentang Tata Tertib Kerja Decision Letter No. SK.042/2018/PRESKOM on the Board of
Dewan Komisaris Revisi 2.0, tanggal 17 Oktober 2018. Beberapa Commissioners Charther Rev. 2.0, dated 17 October 2018, as
ketentuan yang tercantum dalam Tata Tertib Dewan Komisaris, follows:
antara lain:
1. Waktu Kerja dan Cuti Dewan Komisaris; 1. Working Time and Leave of the Board of Commissioners;
2. Rapat; 2. Meeting;
3. Perjalanan Dinas Dewan Komisaris; 3. Board of Commissioners Business Trip;
4. Kuasa Umum; 4. General Authority;
5. Pelatihan Dewan Komisaris; 5. Board of Commissioners Training;
6. Pakaian; 6. Clothes;
7. Kepatuhan Terhadap Peraturan; dan 7. Compliance with Regulations;
8. Kode Etik. 8. Code of Conduct;
Tugas dan Tanggung Jawab Dewan Komisaris Duties and Responsibilities of the
Board of Commissioners
Tugas dan tanggung jawab Dewan Komisaris berdasarkan Duties and responsibilities of the Board of Commissioners based
pedoman kerja, yakni: on the guidelines are:
1. Dewan Komisaris wajib melaksanakan tugas dan tanggung 1. The Board of Commissioners must carry out its duties and
jawab secara independen; responsibilities independently;
2. Dewan Komisaris wajib memastikan penerapan tata kelola 2. The Board of Commissioners must ensure that good corporate
yang baik terselenggara dalam setiap kegiatan usaha Bank governance is implemented in each of the Bank’s business
pada seluruh tingkatan atau jenjang organisasi; activity at all levels or ranks of the organization;
3. Dewan Komisaris bertugas melakukan pengawasan dan 3. The Board of Commissioners has the duty to supervise and
bertanggung jawab atas pengawasan terhadap kebijakan be responsible for oversight of the management policy, the
pengurusan, jalannya pengurusan pada umumnya, baik course of management in general, both concerning the Bank
mengenai Bank maupun usaha Bank, dan memberi nasihat and the Bank’s business, and providing advice to the Board of
kepada Direksi; Directors;
4. Dewan Komisaris wajib mengarahkan, memantau, dan 4. The Board of Commissioners must direct, monitor, and
mengevaluasi pelaksanaan kebijakan strategis Bank; evaluate the implementation of the Bank’s strategic policies;
5. Dalam melaksanakan pengawasan, Dewan Komisaris dilarang 5. In carrying out its supervision, the Board of Commissioners is
ikut serta dalam pengambilan keputusan kegiatan operasional prohibited from participating in the decision-making process
Bank, kecuali: of the Bank’s operations, except:
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a. Penyediaan dana kepada pihak terkait sebagaimana a. Provision of funds to related parties as stipulated in the
diatur dalam ketentuan mengenai batas maksimum provisions concerning the maximum legal lending limit for
pemberian kredit bank umum; commercial banks; and
b. Hal-hal lain yang ditetapkan dalam anggaran dasar Bank b. Other matters stipulated in the Bank’s Articles of
atau peraturan perundang-undangan; Association or the laws;
6. Pengambilan keputusan kegiatan operasional Bank oleh 6. The decision-making of the Bank’s operational activities
Dewan Komisaris merupakan bagian dari tugas pengawasan of the Board of Commissioners is part of the supervisory
oleh Dewan Komisaris sehingga tidak meniadakan tanggung duties by the Board of Commissioners so as not to eliminate
jawab Direksi atas pelaksanaan kepengurusan Bank; the responsibilities of the Board of Directors for the
implementation of the Bank’s management.
7. Dalam pelaksanaan audit internal, Dewan Komisaris 7. In the implementation of internal audit, the Board of
bertanggung jawab: Commissioners is responsible for:
a. Memastikan Direksi menyusun dan memelihara sistem a. Ensuring that the Board of Directors develops and maintains
pengendalian internal yang memadai, efektif, dan efisien; an adequate, effective, and efficient internal control system;
b. Mengkaji efektivitas dan efisiensi sistem pengendalian b. Reviewing the effectiveness and efficiency of the internal
internal berdasarkan informasi yang diperoleh dari SKAI control system based on information obtained from the
paling sedikit sekali dalam 1 tahun; dan Internal Audit Work Unit at least once a year; and
c. Menunjuk pengendalian mutu independen dari pihak c. Appointing an independent quality controller from an
eksternal untuk melakukan kaji ulang terhadap kinerja external party to review the performance of the Internal
SKAI dengan mempertimbangkan rekomendasi Komite Audit Work Unit by considering the recommendations of
Audit. the Audit Committee.
8. Tanggung jawab akhir pengawasan dilakukan oleh Dewan 8. The final responsibility for supervision is carried out by the Board
Komisaris, antara lain dengan mengevaluasi hasil temuan of Commissioners through evaluation of the findings of the
pemeriksaan oleh SKAI. Dalam kaitan ini, Dewan Komisaris inspection by the Internal Audit Work Unit (IAU). Accordingly,
berwenang untuk meminta Direksi menindaklanjuti hasil the Board of Commissioners has the authority to ask the Board
temuan pemeriksaan SKAI; of Directors to follow up on the findings of the IAU inspection;
9. Dewan Komisaris wajib memastikan bahwa Direksi telah 9. The Board of Commissioners must ensure that the Board
menindaklanjuti temuan audit dan rekomendasi dari SKAI, of Directors has followed up on audit findings and
auditor eksternal, hasil pengawasan Otoritas Jasa Keuangan recommendations from the Internal Audit Work Unit
dan/atau hasil pengawasan otoritas lain; (IAU), external auditors, the results of the Financial Services
Authority’s supervision, and/or the results of other authorities;
10. Dewan Komisaris wajib melakukan pengawasan terhadap 10. The Board of Commissioners must supervise the
pelaksanaan Fungsi Kepatuhan; implementation of the Compliance Function;
11. Dewan Komisaris wajib melakukan pengawasan terhadap 11. The Board of Commissioners must supervise the compliance
Fungsi Kepatuhan, dengan: function by:
a. Mengawasi pelaksanaan fungsi kepatuhan Bank paling a. Supervise the implementation of the Bank’s compliance
sedikit 2 kali dalam 1 (tahun; dan function at least twice a year; and
b. Memberikan saran untuk meningkatkan kualitas b. Provide advice to improve the quality of the
pelaksanaan Fungsi Kepatuhan Bank; implementation of the Bank’s Compliance Function;
12. Dewan Komisaris paling sedikit melakukan: 12. The Board of Commissioners do at least:
a. Pengawasan terhadap penerapan pelaksanaan kebijakan a. Supervision of the implementation of remuneration
remunerasi; dan policy; and
b. Evaluasi secara berkala atas kebijakan remunerasi atas b. Periodic evaluation of the remuneration policy based on
dasar hasil pengawasan sebagaimana dimaksud huruf a; the results of supervision, as referred to in letter a;
13. Dewan Komisaris wajib melakukan pengawasan secara aktif 13. The Board of Commissioners must actively supervise the
terhadap pelaksanaan Kebijakan Restrukturasi Kredit; implementation of the Credit Restructuring policy;
14. Dalam kondisi tertentu, Dewan Komisaris wajib 14. In certain conditions, the Board of Commissioners must
menyelenggarakan RUPS Tahunan dan RUPS lainnya sesuai hold the Annual GMS and other GMS in accordance with its
dengan kewenangannya sebagaimana diatur dalam peraturan authorities as stipulated in the laws and Articles of Association;
perundang-undangan dan Anggaran Dasar;
15. Anggota Dewan Komisaris wajib melaksanakan tugas dan 15. Members of the Board of Commissioners must carry out their
tanggung jawabnya dengan itikad baik, penuh tanggung duties and responsibilities in good faith, full of responsibility,
jawab dan kehati-hatian; and prudence;
16. Dalam rangka mendukung efektivitas pelaksanaan tugas dan 16. In order to support the effectiveness of the implementation of
tanggung jawab, Dewan Komisaris wajib membentuk paling duties and responsibilities, the Board of Commissioners must
sedikit: establish at least:
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a. Komite Audit; a. Audit Committee;
b. Komite Pemantau Risiko; dan b. Risk Monitoring Committee; and
c. Komite Remunerasi dan Nominasi; c. The Remuneration and Nomination Committee;
17. Dewan Komisaris wajib memastikan bahwa komite yang telah 17. The Board of Commissioners must ensure that the established
dibentuk menjalankan tugas secara efektif; committees carry out their duties effectively;
18. Setiap Dewan Komisaris bertanggung jawab secara tanggung 18. Each member of the Board of Commissioners is jointly
renteng (kolegial) atas kerugian Bank yang disebabkan oleh (collegially) responsible for the Bank’s losses caused by mistakes
kesalahan atau kelalaian anggota Dewan Komisaris dalam or negligence of members of the Board of Commissioners in
menjalankan tugasnya; carrying out their duties;
19. Anggota Dewan Komisaris tidak dapat dipertanggungjawabkan 19. Members of the Board of Commissioners do not take
atas kerugian Bank apabila dapat membuktikan: responsibility for losses of the Bank if they are able to prove that:
a. Kerugian tersebut bukan karena kesalahan atau kelalaiannya; a. The loss is not because their mistakes or negligence;
b. Telah melakukan pengurusan dengan itikad baik, penuh b. Has done management in good faith, full of responsibility
tanggung jawab, dan kehati-hatian untuk kepentingan and prudence for the interests of the Company and in
dan sesuai dengan maksud dan tujuan Perseroan; accordance with the purposes and objectives of the
c. Tidak mempunyai benturan kepentingan baik langsung Company;
maupun tidak langsung atas tindakan pengurusan yang c. Has no conflicts of interest, either directly or indirectly,
mengakibatkan kerugian; over management actions that result in losses; and
d. Telah mengambil tindakan untuk mencegah timbul atau d. Has taken actions to prevent the occurrence or
berlanjutnya kerugian tersebut. continuation of these losses.
Tugas dan Tanggung Jawab Komisaris Utama Duties and Responsibilities of
President Commissioner
Tugas dan tanggung Jawab Komisaris Utama, yakni: Duties and responsibilities of President Commissioners are:
1. Mengoordinasikan pelaksanaan tugas dan tanggung jawab 1. Coordinating the implementation of duties and responsibilities
Dewan Komisaris; of the Board of Commissioners;
2. Memimpin rapat Dewan Komisaris; 2. Chairing the meetings of the Board of Commissioners;
3. Memimpin RUPS; 3. Chairing the General Meeting of Shareholders (RUPS);
4. Menyampaikan Laporan Pengawasan untuk mendapatkan 4. Presenting the Supervisory Report to obtain approval at the
persetujuan RUPS Tahunan atas pelaksanaan tugas dan Annual GMS on the implementation of duties and supervi-
pengawasan Dewan Komisaris. sion of the Board of Commissioners.
5. Memastikan bahwa pelaksanaan tanggung jawab Dewan 5. Ensuring that the implementation of the responsibilities of the
Komisaris telah dilaksanakan sesuai prosedur. Board of Commissioners has been carried out according to
procedures.
6. Memastikan bahwa rapat Dewan Komisaris melakukan 6. Ensuring the Board of Commissioners' meetings make
pengambilan keputusan secara efektif berdasarkan informasi effective decisions based on accurate and complete
yang benar dan lengkap, termasuk memastikan bahwa: information, including ensuring that:
a. Semua isu-isu strategis dan penting menjadi bahan a. All strategic and important issues are considered by the Board
pertimbangan oleh Dewan Komisaris; of Commissioners;
b. Permasalahan yang ada dibahas dengan seksama dan teliti; b. Existing issues are discussed thoroughly and carefully;
c. Semua anggota Dewan Komisaris diberi kesempatan c. All members of the Board of Commissioners are given the
untuk berkontribusi secara efektif; opportunity to contribute effectively;
d. Setiap Komisaris menerima informasi yang relevan secara d. Each member of the Board of Commissioner receives relevant
tepat waktu, termasuk diberi penjelasan singkat mengenai information in a timely manner, including a brief ex-planation
isu-isu yang akan dibahas dalam rapat Dewan Komisaris; of the issues to be discussed in the Board of Commissioners'
meeting;
e. Rapat Dewan Komisaris menghasilkan keputusan- e. Board of Commissioners' meetings produce clear decisions
keputusan yang jelas dan dicatat dalam notulen rapat; dan and are recorded in meeting minutes; and
7. Melakukan evaluasi akhir dengan mempertimbangkan 7. Conducting a final evaluation by considering the
rekomendasi Komite Remunerasi dan Nominasi, atas hasil recommendations of the Remuneration and Nomination
penilaian kinerja kolegial Dewan Komisaris dan komitenya Committee, based on the assessment of the collective
serta penilaian kinerja individu atas setiap anggota Dewan performance of the Board of Commissioners and its committees,
Komisaris dan anggota komite-komitenya. as well as the individual performance assessment of each
member of the Board of Commissioners and its committees.
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Wewenang Dewan Komisaris Authority of the Board of Commissioners
Wewenang yang dimiliki oleh Dewan Komisaris dalam mendukung The Board of Commissioners has the authority to support the
pelaksanaan tugas dan tanggung jawabnya, antara lain: implementation of its duties and responsibility, including:
1. Dewan Komisaris berwenang memberhentikan sementara 1. The Board of Commissioners has the authority to temporarily
anggota Direksi dengan menyebutkan alasannya; dismiss members of the Board of Directors by stating the reasons;
2. Dewan Komisaris dapat melakukan tindakan pengurusan 2. The Board of Commissioners can act to manage the Bank
Bank dalam keadaan tertentu untuk jangka waktu tertentu; under certain conditions for a certain period;
3. Wewenang sebagaimana dimaksud pada poin 2 ditetapkan 3. Authority, as referred to in point 2, is determined based on
berdasarkan Anggaran Dasar atau keputusan RUPS. the Articles of Association or the resolution of the GMS;
Keputusan yang Perlu Mendapat Persetujuan Decisions that Require Approval from the
Dewan Komisaris Board of Commissioners
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 Based on Financial Services Authority Regulation No. 17 of 2023
tentang Penerapan Tata Kelola bagi Bank Umum, Dewan Komisaris on the Implementation of Governance for Commercial Bank, the
diperbolehkan mengambil keputusan terkait: Board of Commissioners is allowed to make decision regarding:
1. Penyediaan dana kepada pihak terkait sesuai dengan 1. Provision of funds to related parties in accordance with Financial
Peraturan Otoritas Jasa Keuangan mengenai batas maksimum Services Authority regulations regarding the maximum limits for
pemberian kredit dan penyediaan dana besar bagi bank umum credit provision and large fund provision for commercial banks,
dan Peraturan Otoritas Jasa Keuangan mengenai batas and Financial Services Authority regulations regarding the
maksimum penyaluran dana dan penyaluran dana besar bagi maximum limits for fund disbursement and large fund
bank umum syariah; dan disbursement for sharia commercial banks; and
2. Hal lain yang ditetapkan dalam Anggaran Dasar Bank atau 2. Other matters stipulated in the Bank’s Articles of Association
ketentuan peraturan perundang-undangan. or laws.
Kriteria Anggota Dewan Komisaris Membership Criteria of the Board of Commissioners
Kriteria keanggotaan Dewan Komisaris Bank Sinarmas, yakni: Membership criteria of the Board of Commissioners of
Bank Sinarmas are:
1. Bank wajib memiliki anggota Dewan Komisaris dengan jumlah 1. The Bank is required to have a minimum of at least 3 members
paling sedikit 3 orang dan paling banyak sama dengan jumlah on the Board of Commissioners and a maximum of the same
anggota Direksi; number of members of the Board of Directors;
2. Anggota Dewan Komisaris harus memenuhi persyaratan 2. Members of the Board of Commissioners must meet the
penilaian kemampuan dan kepatutan sesuai Peraturan Otoritas fit and proper assessment requirements in accordance with
Jasa Keuangan mengenai Penilaian Kemampuan dan Kepatutan Financial Services Authority Regulation on the Fit and Proper
bagi Pihak Utama Lembaga Jasa Keuangan; Test for Main Parties of Financial Services Institutions;
3. Anggota Dewan Komisaris paling sedikit 1 orang wajib 3. At least 1 member of the Board of Commissioners must
berdomisili di Indonesia; domicile in Indonesia;
4. Dewan Komisaris wajib dipimpin oleh Presiden Komisaris atau 4. The Board of Commissioners must be chaired by a President
Komisaris Utama; Commissioner;
5. Dewan Komisaris wajib terdiri dari Komisaris Independen dan 5. The Board of Commissiners must consist of Independent
Komisaris Non-Independen; Commissioners and Non-independent Commissioners;
6. Komisaris Independen wajib paling sedikit berjumlah 50% 6. Independent Commissioners must be at least 50% of the total
dari jumlah anggota Dewan Komisaris; members of the Board of Commissioners;
7. Anggota Dewan Komisaris adalah orang perseorangan 7. Members of the Board of Commissioners are individuals who
yang memenuhi persyaratan pada saat diangkat dan selama meet the following requirements at the time of appointment
menjabat: and during their term of office:
a. Mempunyai akhlak, moral dan integritas yang baik; a. Have a good character, good morals, and integrity;
b. Cakap melakukan perbuatan hukum; b. Proficient in performing legal actions;
c. Dalam 5 tahun sebelum pengangkatan dan selama c. Within 5 years prior to their appointment and during their
menjabat: term of office:
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1) Tidak pernah dinyatakan pailit; 1) Never been declared bankrupt;
2) Tidak pernah menjadi anggota Direksi dan/atau Dewan 2) Never become a member of the Board of Directors
Komisaris yang dinyatakan bersalah menyebabkan and/or the Board of Commissioners who is found
suatu perusahaan dinyatakan pailit; guilty of causing a company to be declared bankrupt;
3) Tidak pernah dihukum karena melakukan tindak pidana 3) Never been punished for committing a crime that is
yang merugikan keuangan negara dan/atau yang detrimental to state finances and/or relates to the
berkaitan dengan sektor keuangan; dan financial sector; and
4) Tidak pernah menjadi anggota Direksi dan/atau 4) Never been a member of the Board of Directors and/
anggota Dewan Komisaris yang selama menjabat: or any member of the Board of Commissioners who,
during his term of office:
a) Pernah tidak menyelenggarakan RUPS tahunan; a) Fail to hold the Annual GMS;
b) Pertanggungjawabannya sebagai anggota b) The accountability as a member of the Board of Directors
Direksi dan/atau anggota Dewan Komisaris and/or a member of the Board of Commissioners was
pernah tidak diterima oleh RUPS atau pernah refused by the GMS or failed to deliver the responsibility
tidak memberikan pertanggungjawaban sebagai as a member of the Board of Directors and/or members
anggota Direksi dan/atau anggota Dewan of the Board of Commissioners to the General Meeting of
Komisaris kepada RUPS; Shareholders; and
c) Pernah menyebabkan perusahaan yang c) Cause a company, that obtains a permit, approval, or
memperoleh izin, persetujuan atau pendaftaran dari registration from the Financial Services Authority, fails to
Otoritas Jasa Keuangan tidak memenuhi kewajiban comply with the obligation to submit annual reports and/
menyampaikan laporan tahunan dan/atau laporan or financial statements to the Financial Services Authority.
keuangan kepada Otoritas Jasa Keuangan.
d. Memiliki komitmen untuk mematuhi peraturan d. Have commitment to comply with laws and regulations;
perundang-undangan;
e. Memiliki pengetahuan dan/atau keahlian di bidang yang e. Have knowledge and/or expertise in the field required by
dibutuhkan Bank; the Bank;
8. Selain memenuhi ketentuan pada poin 7, Komisaris 8. In addition to meeting the provisions in point 7, Independent
Independen wajib memenuhi persyaratan sebagai berikut: Commissioners must also meet the following requirements:
a. Bukan merupakan orang yang bekerja atau mempunyai a. Not a person who works or has the authority and
wewenang dan tanggung jawab untuk merencanakan, responsibility to plan, lead, control, or supervise the
memimpin, mengendalikan, atau mengawasi kegiatan activities of the Bank in the last 6 months, except for
Bank dalam waktu 6 bulan terakhir, kecuali untuk reappointment as an Independent Commissioner of the
pengangkatan kembali sebagai Komisaris Independen Bank in the following period;
Bank pada periode berikutnya;
b. Tidak mempunyai saham baik langsung maupun tidak b. Have no shares, directly or indirectly, in the Bank;
langsung pada Bank;
c. Tidak mempunyai hubungan afiliasi dengan Bank, c. Have no Affiliation with the Bank, members of the Board
anggota Dewan Komisaris, anggota Direksi, atau of Commissioners, members of the Board of Directors, or
Pemegang Saham utama Bank; the majority shareholders of the Bank; and
d. Tidak mempunyai hubungan usaha baik langsung d. Have no business relationship, either directly or indirectly,
maupun tidak langsung yang berkaitan dengan kegiatan with the Bank’s business activities.
usaha Bank;
9. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau 9. Former members of the Board of Directors or Executive
pihak-pihak yang mempunyai hubungan dengan Bank, yang Officers of the Bank or parties related to the Bank, which can
dapat memengaruhi kemampuan yang bersangkutan untuk affect the ability of those concerned to act independently,
bertindak independen wajib menjalani masa tunggu (cooling must have a cooling-off period of at least 1 year prior to
off) paling singkat 1 tahun sebelum menjadi Komisaris becoming an Independent Commissioner of the Bank;
Independen Bank;
10. Ketentuan pada poin 9 tidak berlaku bagi mantan anggota 10. The provision in point 9 does not apply to former members of
Direksi yang membawahkan fungsi pengawasan atau Pejabat the Board of Directors who carry out the supervisory function
Eksekutif yang melakukan fungsi pengawasan pada Bank; or to Executive Officers who carry out supervisory functions at
the Bank;
11. Komisaris Non Independen dapat beralih menjadi Komisaris 11. Non-Independent Commissioners can switch to Independent
Independen setelah memenuhi persyaratan sebagai Komisaris Commissioners after meeting the requirements as
Independen; Independent Commissioners;
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
12. Komisaris Non Independen yang akan beralih menjadi 12. Non-Independent Commissioners who will transfer to
Komisaris Independen wajib menjalani masa tunggu (cooling Independent Commissioners must undergo a cooling-off
off) paling singkat 6 bulan; dan period of at least 6 months;
13. Peralihan dari Komisaris Non Independen menjadi Komisaris 13. The transition from a Non-Independent Commissioner to an
Independen wajib memperoleh persetujuan Otoritas Jasa Independent Commissioner must obtain the approval of the
Keuangan. Financial Services Authority.
Komposisi Dewan Komisaris Composition of the Board of Commissioners
Komposisi Dewan Komisaris Bank Sinarmas disesuaikan dengan The composition of the Board of Commissioners of Bank Sinarmas is
ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 in accordance with Financial Services Authority Regulation No.17 of
dan Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 2023 and Financial Service Authority Circular No. 13/SEOJK.03/2017
tentang Penerapan Tata Kelola bagi Bank Umum. Pada tahun on Governance Implementation for Commercial Banks. In 2023, there
2023, tidak terdapat perubahan komposisi Dewan Komisaris, were no changes in the composition of the Board of Commissioners,
sebagaimana diungkapkan berikut. as disclosed below.
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Pertama kali diangkat sebagai Komisaris Utama berdasarkan
Keputusan RUPS Luar Biasa per tanggal 21 Desember 2009 dan
efektif menjabat sejak 20 April 2010 dengan akhir periode jabatan
Komisaris Utama hingga dilaksanakannya RUPS Tahunan 2026.
Tjendrawati Widjaja 2023-2026
President Commissioner First appointment as President Commissioner was based on the
Extraordinary GMS Resolutions dated December 21, 2009, and
has effectively served since April 20, 2010, with the end of the
term of office until the 2026 Annual GMS.
Pertama kali diangkat sebagai Komisaris Independen berdasarkan
Keputusan RUPS Luar Biasa per tanggal 15 Juni 2012 dan efektif
menjabat sejak 3 Juli 2012 dengan akhir periode jabatan hingga
Komisaris Independen dilaksanakannya RUPS Tahunan 2026.
Sammy Kristamuljana 2023-2026
Independent Commissioner First appointment as an Independent Commissioner was based on
the Extraordinary GMS Resolutions dated June 15, 2012, and has
effectively served since July 3, 2012, with the end of the term of
office until the 2026 Annual GMS.
Pertama kali diangkat sebagai Komisaris Independen berdasarkan
Keputusan RUPS Luar Biasa per tanggal 13 Juni 2014 dan efektif
menjabat sejak 19 Juni 2014 dengan akhir periode jabatan hingga
Komisaris Independen dilaksanakannya RUPS Tahunan 2026.
Rusmin 2023-2026
Independent Commissioner First appointment as an Independent Commissioner was based on
the Extraordinary GMS Resolutions dated June 13, 2014, and has
effectively served since June 19, 2014, with the end of the term of
office until the 2026 Annual GMS.
Penilaian Kemampuan dan Kepatutan Fit and Proper Test of the Board of Commissioners
Dewan Komisaris
Bank memastikan bahwa semua anggota Dewan Komisaris The Bank ensures all members of the Board of Commissioners have
telah lulus penilaian kemampuan dan kepatutan (fit and proper passed the fit and proper test. This commitment is a manifestation of
test). Komitmen ini merupakan wujud kepatuhan Bank terhadap the Bank’s compliance with Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 Penilaian No. 27/POJK.03/2016 on the Fit and Proper Assessment for Main
Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa Parties of Financial Institutions. Information related to the results
Keuangan. Informasi mengenai hasil fit and proper test Dewan of the fit and proper test for the Board of Commissioners of Bank
Komisaris Bank Sinarmas diungkapkan pada tabel berikut. Sinarmas is disclosed in the following table.
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Nama Jabatan Pelaksana No. Surat Tanggal Hasil
Name Position Organizer Letter No. Date Result
Komisaris Utama 20 April 2010 Lulus
Tjendrawati Widjaja Bank Indonesia 12/44/GB/DPIP/Rahasia
President Commissioner April 20, 2010 Passed
Komisaris Independen 3 Juli 2012 Lulus
Sammy Kristamuljana Bank Indonesia 14/61/GBI/DPIP/Rahasia
Independent Commissioner July 3, 2012 Passed
Otoritas Jasa Keuangan
Komisaris Independen 19 Juni 2014 Lulus
Rusmin Financial Services 14/61/GBI/DPIP/Rahasia
Independent Commissioner June 19, 2014 Passed
Authority
Rangkap Jabatan Dewan Komisaris Concurrent Positions of the Board of Commissioners
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun Based on Financial Services Authority Regulation No. 17 of 2023
2023 tentang Penerapan Tata Kelola bagi Bank Umum, Dewan on the Implementation of Governance for Commercial Banks, the
Komisaris Bank Sinarmas diperkenankan untuk merangkap Board of Commissioners of Bank Sinarmas is permitted to hold
jabatan dengan memperhatikan beberapa hal, yakni: concurrent positions, under following conditions:
1. Anggota Dewan Komisaris menjabat sebagai anggota Direksi, 1. Members of the Board of Commissioners serve as member of
anggota Dewan Komisaris atau Pejabat Eksekutif yang the Board of Directors, member of the Board of Commissioners
melaksanakan fungsi pengawasan pada 1 Entitas Anak bukan or Executive Officers who carry out the supervisory function in
bank yang dikendalikan oleh Bank; 1 non-bank subsidiary company controlled by the Bank;
2. Komisaris Non-Independen menjalankan tugas fungsional 2. Non-Independent Commissioners carry out functional duties
dari Pemegang Saham Bank yang berbentuk badan hukum from the Bank shareholders in the form of legal entities in the
pada kelompok usaha Bank; dan/atau Bank’s business group; and/or
3. Anggota Dewan Komisaris menduduki jabatan pada 3. Members of the Board of Commissionners hold positions in
organisasi atau lembaga nirlaba. non-profit organization or institutions.
Perusahaan/Lembaga Lain
Nama Jabatan Other Company/Institution
Name Position Jabatan Institusi Bidang Usaha
Position Institution Line of Business
Komisaris Utama Nihil Nihil Nihil
Tjendrawati Widjaja
President Commissioner None None None
Komisaris Independen Nihil Nihil Nihil
Sammy Kristamuljana
Independent Commissioner None None None
Komisaris Independen Nihil Nihil Nihil
Rusmin
Independent Commissioner None None None
Pengelolaan Benturan Kepentingan Management of Conflict of Interest of the
Dewan Komisaris Board of Commissioners
Benturan kepentingan terjadi ketika kepentingan ekonomis Bank Conflict of interest occurs when the economic interests of the
bertentangan dengan kepentingan ekonomis pribadi. Maka dari Bank conflict with personal economic interests. Therefore, every
itu, setiap anggota Dewan Komisaris wajib: member of the Board of Commissioners shall:
1. Mengutamakan kepentingan Perseroan dan tidak mengurangi 1. Prioritize the interst of the Company and not diminish the
keuangan Perseroan dalam hal terjadi benturan kepentingan; Company’s finances in the event of a conflict of interest;
2. Menghindari diri dari pengambilan keputusan dalam situasi 2. Avoid making decision in situations and conditions of conflict
dan kondisi adanya benturan kepentingan; of interest;
3. Melakukan pengungkapan hubungan kekeluargaan, 3. Disclose family relationship, financial relationship, management
hubungan keuangan, hubungan kepengurusan, hubungan relationship, ownership relation, with fellow members of
kepemilikan dengan Anggota Komisaris lain dan/atau the Board of Comissioners and/or members of the Board of
anggota Direksi dan/atau Pemegang Saham pengendali bank Directors and/or Controlling shareholders of the Bank and/or
dan atau pihak lainnya dalam rangka bisnis Perseroan; dan other parties within the Company’s business framework;
4. Melakukan pengungkapan dalam hal pengambilan keputusan 4. Disclosure in term of decision-making must be made in a
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tetap harus diambil pada kondisi adanya benturan kepentingan. condition where there is a conflict of interest.
Orientasi bagi Dewan Komisaris Orientation for the Board of Commissioners
Bank Sinarmas menyelenggarakan program orientasi khusus bagi Bank Sinarmas organizes a special orientation program for the
Dewan Komisaris yang baru diangkat dengan ketentuan sebagai newly appointed members of the Board of Commissioners with
berikut. the following provisions.
1. Program orientasi bagi anggota Dewan Komisaris yang baru 1. The orientation program for newly appointed members of
bertujuan untuk memberikan arahan kepada anggota Dewan the Board of Commissioners aims to provide guidance to
Komisaris baru agar memperoleh pemahaman tentang Bank new members of the Board of Commissioners to obtain an
sehingga dapat menunjang efektivitas pelaksanaan tugas dan understanding of the Bank to support the effectiveness of
tanggung jawabnya sebagai Dewan Komisaris. performing their duties and responsibilities as Commissioners.
2. Dalam program orientasi, Komisaris baru akan mendapat 2. In the orientation program, the New Commissioner will gain
pengetahuan tentang Bank antara lain visi, misi, objektif jangka knowledge about the Bank including vision, mission, long-term
panjang, Rencana Bisnis Bank, Laporan Keuangan, Laporan objectives, the Bank Business Plan, Financial Reports, Annual
Tahunan dan kebijakan-kebijakan terkait Dewan Komisaris. Reports, and policies related to the Board of Commissioners.
3. Dokumen program orientasi dipersiapkan oleh Corporate 3. Orientation program documents are prepared by the
Secretary. Corporate Secretary.
Pada tahun 2023, program orientasi tidak diselenggarakan In 2023, the orientation program was not carried out because
sehubungan dengan tidak terdapatnya anggota baik Dewan there was no new member of the Board of Comissioners.
Komisaris baru.
Sertifikasi Manajemen Risiko Risk Management Certificate
Bank Sinarmas memastikan bahwa seluruh Dewan Komisaris Bank Sinarmas ensures that all members of the Board of
telah mendapatkan Sertifikasi Manajemen Risiko sebagai syarat Commissioners have risk management certificate as the
mengikuti fit and proper test, sesuai peraturan Otoritas Jasa requirement to conduct fit and propert test in line with Financial
Keuangan. Penyelenggaraan (refreshment) Program Penyegaran Services Authority regulations. Refreshment of Risk Management
Sertifikasi Manajemen Risiko juga dilakukan sesuai ketentuan Certificate Program is regulated and implemented in accordance
Peraturan Bank Indonesia No. 11/19/PBI/2009 Pasal 14 Ayat 1, with Bank Indonesia Regulation No. 11/19/ PBI/2009, Article
yakni Komisaris dan Manajer Risiko Bank yang telah memiliki 14 paragraph (1), where the Bank’s Commissioners and Risk
sertifikasi manajemen risiko diwajibkan mengikuti program Managers who already have a Risk Management Certificate must
refreshment secara berkala, paling kurang: regularly attend the Refresherment Program at least:
1. 1 kali dalam 4 tahun untuk tingkat 1; 1. Once every four years for level one;
2. 1 kali dalam 4 tahun untuk tingkat; 2. Once every four years for level two;
3. 1 kali dalam 2 tahun untuk tingkat 3; 3. Once every two years for level three;
4. 1 kali dalam 2 tahun untuk tingkat 4; dan 4. Once every two years for level four;
5. 1 kali dalam 2 tahun untuk tingkat 5. 5. Once every two years for level five.
Jangka waktu refreshment tersebut terhitung sejak Sertifikat The period of refreshment is set as of the last Risk Management
Manajemen Risiko terakhir diterbitkan. Informasi terkait refreshment Certificate issued. Information related to the refreshment that
yang telah diikuti Dewan Komisaris, diungkapkan pada tabel berikut. the Board of Commissioners has participated in is disclosed in the
following table.
Nama Jabatan Refreshment Terakhir Tema Refreshment
Name Position Most Recent Refreshment Theme of Refreshment
Komisaris Utamaa 3 November 2023
Tjendrawati Widjaja Strengthen 4 Pillar Risk Management Toward Sustainable Bank
President Commissioner November 3, 2023
Accelerating Inclusive Digital Economy Transformation and
Komisaris Independen 1 Desember 2023
Sammy Kristamuljana Sustainability Economic Growth (and impact on Risk Based
Independent Commissioner December 1, 2023
Bank Rating and Risk Appetite)
Accelerating Inclusive Digital Economy Transformation and
Komisaris Independen 1 Desember 2023
Rusmin Sustainability Economic Growth (and impact on Risk Based
Independent Commissioner December 1, 2023
Bank Rating and Risk Appetite)
Laporan Tahunan dan Keberlanjutan 2023
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Mekanisme Pengunduran Diri dan Mechanism for Resignation and Dismissal of
Pemberhentian Dewan Komisaris the Board of Comissioners
Sesuai Anggaran Dasar Bank Sinarmas yang mengatur mekanisme In accordance with the Articles of Association of Bank Sinarmas,
pengunduran diri dan pemberhentian Dewan Komisaris, jabatan which regulates the mechanism of resignation and dismissal
Dewan Komisaris akan berakhir apabila: of the Board of Commissioners, the position of the Board of
Commissioners ends if a member:
1. Mengundurkan diri sesuai dengan ketentuan Anggaran Dasar; 1. Resigns in accordance with the provisions of the Articles of
Association;
2. Tidak lagi memenuhi persyaratan Peraturan Otoritas Jasa 2. No longer meets the requirements of Financial Services
Keuangan dan Peraturan Perundang-undangan lainnya; Authority Regulations and other Laws;
3. Meninggal dunia; dan 3. Passed away; and
4. Diberhentikan berdasarkan keputusan RUPS. 4. Is dismissed based on the GMS resolution.
Pelaksanaan Tugas dan Implementation of Duties and
Tanggung Jawab Tahun 2023 Responsibilities in 2023
Sepanjang tahun 2023, Dewan Komisaris Bank Sinarmas telah Throughout 2023, the Board of Commissioners of Bank Sinarmas
melaksanakan tugas dan tanggung jawab sebagai berikut. carried out the following duties and responsibilities.
1. Memberikan saran kepada Direksi dalam melaksanakan 1. Providing advices to the Board of Directors in carrying out
pengurusan Bank, termasuk keputusan strategis untuk management of the Bank, including strategic decisions for
pengembangan bisnis dalam mencapai target bisnis yang business development to achieve business target set.
ditetapkan.
2. Menyampaikan reviu analisis atas kinerja Bank dan 2. Presenting a review analysis of the Bank’s performance and
menyampaikan Laporan Tugas Pengawasan kepada delivering Supervisory Task Reports to Shareholders at the
Pemegang Saham dalam RUPS. GMS.
3. Melakukan reviu atas kinerja kantor akuntan publik tahun 3. Reviewing the performance of public accounting firm for the
buku 2022 dan menunjuk akuntan publik/kantor akuntan 2022 financial year and appointing a public accountant/public
publik atas rekomendasi Komite Audit yang akan bertugas accounting firm based on Audit Committee’ recommendation,
mengaudit Laporan Keuangan Bank untuk tahun 2023. which will be responsible for auditing the Bank’s 2023
Financial Statements.
4. Meneliti dan menelaah Laporan Publikasi Triwulanan yang 4. Examining and reviewing the Quarterly Publication Reports
telah disiapkan Direksi. prepared by the Board of Directors.
5. Mengawasi perkembangan tindak lanjut atas temuan audit 5. Supervising the progress of follow-up actions on internal and
internal dan eksternal. external audit findings.
6. Menelaah Laporan Komite Audit, Laporan Komite Pemantau 6. Reviewing the Audit Committee Report, Risk Monitoring
Risiko, serta Laporan Komite Remunerasi dan Nominasi. Committee Report, as well as the Remuneration and
Nomination Committee Report.
Pengembangan Kompetensi Dewan Komisaris Board of Commissioners’
Competency Development
Bank Sinarmas memfasilitasi Dewan Komisaris untuk mengikuti Bank Sinarmas facilitates the Board of Commisioners to
berbagai program pengembangan kompetensi. Langkah participate in various competency development programs. This
ini dilakukan untuk memastikan Dewan Komisaris memiliki step is taken to ensure that the Board of Commissioners has the
kompetensi yang diperlukan untuk menjalankan perannya secara necessary competence to effectively fulfill its role in supporting
efektif dalam mendukung kesuksesan dan keberlanjutan Bank. the success and sustainability of the Bank. Information regarding
Informasi mengenai program pengembangan kompetensi Dewan the competency development program for the Board of
Komisaris pada tahun 2023 diungkapkan sebagai berikut. Commissioners in 2023 is disclosed as follows
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Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
14 Februari 2023
Rapat Kerja SND Nasional 2023
February 14.2023 SND Division
Work Meeting of SND Nasional 2023
The Grand Mansion
17 Juli 2023
Town Hall Q2 “The Winner of Change” July 17, 2023 HCM
Pastis Pool Bar Jakarta
Komisaris Utamaa Refreshment Manajemen Risiko Perbankan Kualifikasi
Tjendrawati Widjaja President 7 “Strengthen 4 Pilar Risk Management Toward HCM dengan vendor
3 November 2023
Commissioner Sustainable Bank” Maisa Edukasi
November 3, 2023
Refreshment Banking Risk Management Qualification HCM with vendor
The Grand Mansion
7 “Strengthen 4 Pilar Risk Management Toward Maisa Edukasi
Sustainable Bank”
Undangan Penerapan Manajemen Risiko Terintegrasi
19 Desember 2023
Konglomerasi Keuangan
December 19, 2023 HCM
Invitation for the Implementation of Integrated Risk
The Grand Mansion
Management in Financial Conglomeration.
14 Februari 2023
Rapat Kerja SND Nasional 2023
February 14, 2023 SND Division
Work Meeting of SND Nasional 2023
The Grand Mansion
Refreshment Manajemen Risiko Perbankan
“Accelerating Inclusive Digital Economy Transformation
and Sustainability Economic Growth (and impact on HCM dengan vendor
1 Desember 2023
Risk Based Bank Rating and Risk Appetite)” Maisa Edukasi
December 1, 2023
Refreshment of Banking Risk Management HCM with vendor
Zoom Meeting
"Accelerating Inclusive Digital Economy Transformation Maisa Edukasi
Komisaris Independen and Sustainability Economic Growth (and impact on
Sammy Kristamuljana Independent Risk Based Bank Rating and Risk Appetite)”
Commissioner Undangan Penerapan Manajemen Risiko Terintegrasi
19 Desember 2023
Konglomerasi Keuangan
December 19, 2023 HCM
Invitation for the Implementation of Integrated Risk
The Grand Mansion
Management in Financial Conglomeration.
Undangan OJK’s Year-End Knowledge Sharing
Session “Menyambut Aset Kripto dalam Penguatan Otoritas Jasa
22 Desember 2023
Ekosistem Keuangan Digital di Indonesia Keuangan
December 22, 2023
OJK's Year-End Knowledge Sharing Session Invitation Financial Services
Zoom Meeting
"Welcoming Cryptocurrency Assets in Strengthening Authority
the Digital Financial Ecosystem in Indonesia".
Lembaga
19 Januari 2023
Urgensi Perpanjangan Kebijakan Restrukturisasi Kredit Pengembangan
January 19, 2023
Urgency of Credit Restructuring Policy Extension Perbankan Indonesia
Zoom Meeting
(LPPI)
14 Februari 2023
Rapat Kerja SND Nasional 2023
February 14, 2023 SND Division
Work Meeting of SND Nasional 2023
The Grand Mansion
10 Maret 2023 The Association
Cyber Security Risk Management March 10, 2023 of International
Zoom Meeting Accountants
Lembaga
Komisaris Independen 6 April 2023
Lesson Learned Kasus Silicon Valley Bank (SVB) Pengembangan
Rusmin Independent April 6, 2023
Lesson Learned Silicon Valley Bank (SVB) Cases Perbankan Indonesia
Commissioner Zoom Meeting
(LPPI)
Pelatihan Berbasis Kompetensi untuk Insan Industri
Penyelenggara Kegiatan Usaha Penukaran Valuta
Lembaga
Asing Bukan Bank dan Penyelenggara Transfer Dana 31 Agustus 2023
Pengembangan
Bukan Bank Skala Kecil August 31, 2023
Perbankan Indonesia
Competency-Based Training for Personnel in the Non- Zoom Meeting
(LPPI)
Bank Foreign Exchange Business Operators and Small-
Scale Non-Bank Fund Transfer Operators Industry.
Bursa Karbon dan Peluangnya bagi Sektor Keuangan Lembaga
21 November 2023
Indonesia Pengembangan
November 21, 2023
Carbon Exchange and Its Opportunities for the Perbankan Indonesia
Zoom Meeting
Indonesian Financial Sector. (LPPI)
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
Refreshment Manajemen Risiko Perbankan
“Accelerating Inclusive Digital Economy Transformation
and Sustainability Economic Growth (and impact on
1 Desember 2023
Risk Based Bank Rating and Risk Appetite)” HCM dengan vendor
December 1, 2023
Refreshment of Banking Risk Management Maisa Edukasi
Zoom Meeting
"Accelerating Inclusive Digital Economy Transformation
and Sustainability Economic Growth (and impact on
Risk Based Bank Rating and Risk Appetite)”
Penilaian Komite di Bawah Dewan Komisaris Evaluation of Committees under the
Board of Commisioners
Pelaksanaan, Prosedur, dan Kriteria Penilaian Implementation, Procedure, and Criteria of Assessment
Dewan Komisaris senantiasa melakukan penilaian terhadap kinerja The Board of Commissioners consistently assesses the
kepada organ pendukungnya, yakni Komite Audit, Komite Pemantau performance of its supporting organs, namely Audit Committee,
Risiko, Komite Remunerasi dan Nominasi, dan Komite Tata Kelola Risk Monitoring Committee, Remuneration and Nomination
Terintegrasi. Kriteria yang digunakan dalam penilaian tersebut, yakni: Committee, and Integrated Governance Committee. The criteria
used in the assessment are as follows:
1. Pelaksanaan tugas dan tanggung jawab selama tahun 2022; 1. Performance of duties and responsibilities in 2022;
2. Rekomendasi yang diberikan; dan 2. Recommendations provided; and
3. Tingkat kehadiran dalam masing-masing rapat komite. 3. Attendance rate in each committee meeting.
Hasil Penilaian Assessment Results
Berdasarkan hasil penilaian ditahun 2023, Dewan Komisaris Based on the assessment results in 2023, the Board of
menyatakan bahwa komite-komite telah menjalankan tugas dan Commissioners declares that the committees have performed
tanggung jawabnya dengan baik dan telah berkontribusi dalam their duties and responsibilities well and have contributed to
mendukung pelaksanaan tugas dan tanggung jawab Dewan supporting the execution of the duties and responsibilities of the
Komisaris. Board of Commissioners.
Komisaris Independen Independent Commissioners
Komisaris Independen di Bank Sinarmas ditunjuk untuk memberikan Independent Commissioners at Bank Sinarmas are appointed to
perspektif yang obyektif dan tidak bias dalam pengambilan provide objective and unbiased perspectives in the Bank’s decision-
keputusan Bank. Pada tahun 2023, dari jumlah 3 anggota Dewan making process. In 2023, out of a total of 3 members of the Board
Komisaris, 2 di antaranya Komisaris Independen. Dengan demikian, of Commissioners, 2 of them are Independent Commissioners.
Bank telah memenuhi ketentuan Peraturan Otoritas Jasa Keuangan Thus, the Bank has fulfilled the provisions of Financial Services
No. 17 tahun 2023 tentang Penerapan Tata Kelola bagi Bank Authority Regulation No. 17 of 2023 on the Implementation of
Umum yang mewajibkan minimal 50% Komisaris Independen dari Governance for Commercial Banks, which requires a minimum
jumlah anggota Dewan Komisaris. of 50% Independent Commissioners out of the total number of
Board of Commissioners members.
Pernyataan Independensi Komisaris Independen Independency Statement of
Independent Commissioners
Pada pelaksanaan RUPS Tahunan tanggal 27 Juni 2023, In organizing the Annual GMS dated June 27, 2023,
Bapak Sammy Kristamuljana dan Bapak Rusmin telah Mr. Sammy Kristamuljana and Mr. Rusmin provided statements of
menyampaikan pernyataan independensi sebagai Komisaris independence as Independent Commissioners. These statements
Independen. Pernyataan independensi tersebut terkait dengan of independence are related to their appointment as Independent
pengangkatannya sebagai Komisaris Independen yang telah Commissioners who have served for more than 2 terms. The
menjabat lebih dari 2 periode. Uraian pernyataan independensi descriptions of these independence statements are disclosed as
tersebut diungkapkan sebagai berikut. follows.
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Aspek Independensi Sammy
Rusmin
Independency Aspect Kristamuljana
Merupakan pihak independen terhadap pemilik Bank dan Pemegang Saham Pengendali (PSP).
Is an independent party to the owner of the Bank and the Controlling Shareholders (PSP).
Tidak mempunyai saham baik langsung maupun tidak langsung pada Bank.
Has no directly or indirectly in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota Direksi atau Pemegang Saham
Utama Bank.
Has no affiliations with the Bank, members of the Board of Commissioners, members of the Board of Directors, or
the Majoriity Shareholders of the Bank.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha Bank.
Has no business relationship directly or indirectly related to the Bank’s business activities.
Merupakan pihak independen terhadap pemilik Bank dan Pemegang Saham Pengendali (PSP).
Is an independent party to the owner of the Bank and the Controlling Shareholders (PSP)
Tidak mempunyai saham baik langsung maupun tidak langsung pada Bank.
Has no shares directly or indirectly in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota Direksi atau Pemegang Saham
Utama Bank.
Has no affiliations with the Bank, members of the Board of Commisioners, member of Directors, or the Majority
Shareholders of the Bank.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha Bank.
Has no business relationship directly or indirectly related to the Bank’s business activities.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Direksi
Board of Directors
Direksi merupakan organ yang bertanggung jawab penuh atas The Board of Directors is an organ fully responsible for the
pengelolaan Bank. Masing-masing anggota Direksi memiliki management of the Bank. Each member of the Board of Directors
tugas dan tanggung jawab dengan koordinasi terpusat di tangan has duties and responsibilities with centralized coordination lies
Direktur Utama, sehingga setiap keputusan wajib dipertanggung in the President Director. Thus, every decision must be collectively
jawabkan secara kolektif oleh seluruh anggota Direksi dan accounted by all members of the Board of Directors and the final
keputusan terakhir berada di tangan Direktur Utama. Direksi decision rests with the President Director. The Board of Directors
juga bekerja sesuai dengan kebijakan dan tujuan yang ditetapkan also works in accordance with the policies and objectives set by
Pemegang Saham pada saat RUPS. the Shareholders at the General Meeting of Shareholders.
Pedoman Direksi Board of Directors Guidelines
Bank telah menyusun Pedoman Direksi yang ditetapkan melalui The Bank has prepared the Board of Directors Guidelines stipulated
SK.045/2018/PRESDIR-CorSec tanggal 25 Oktober 2018. Isi pedoman through SK.045/2018/PRESDIR-CorSec dated October 25, 2018,
tersebut, terdiri dari: consisting of:
1. Ketentuan Umum; 1. General Provision;
2. Landasan Hukum; 2. Legal Basis;
3. Keanggotaan; 3. Membership;
4. Kriteria; 4. Criteria;
5. Masa Jabatan; 5. Term of Office;
6. Ketentuan Rangkap Jabatan; 6. Concurrent Position Provision;
7. Pengunduran dan Pemberhentian Sementara Direksi; 7. Resignation and Temporary Dismissal of the Board of Directors;
8. Benturan Kepentingan; 8. Conflict of Interest;
9. Deskripsi Tugas dan Tanggung Jawab Secara Umum; 9. General Description of Duties and Responsibilities;
10. Wewenang; 10. Authority;
11. Larangan; 11. Prohibition;
12. Nilai-Nilai; 12. Values;
13. Orientasi Direksi; 13. Orientation of the Board of Directors;
14. Pelatihan Direksi; 14. Training of the Board of Directors;
15. Keikutsertaan Saham; 15. Equity Participation;
16. Pelaporan; dan 16. Reporting; and
17. Lain-lain. 17. Others.
Tata Tertib Kerja Direksi Charter of the Board of Directors
Direksi juga memiliki tata tertib yang memuat berbagai aspek The Board of Directors also has a charter covering various aspects
terkait prosedur, kewajiban, dan tanggung jawab anggota Direksi related to procedures, obligation, and responsibilities of the Board
dalam menjalankan tugasnya. Tata tertib tersebut diatur dalam of Directors’ member in carrying out their duties, as regulated
Surat Keputusan No. SK.092/2023/PRESDIR*) tertanggal 14 Juli in the Decision Letter No. SK.092/2023/PRESDIR*) dated July 14,
2023. Beberapa ketentuan yang tercantum dalam Tata Tertib 2023. Some of provisions listed in the Board of Directors’ Charter
Direksi, antara lain: include:
1. Waktu Kerja; 1. Working Time;
2. Perjalanan Dinas dan Cuti Direksi ; 2. Board of Directors’ Business Trip and Leave;
3. Rapat; 3. Meetings;
4. Ketentuan Pakaian; 4. Attire Provisions;
5. Kepatuhan terhadap Peraturan; 5. Compliance with Regulations;
6. Keterbukaan Informasi; dan 6. Disclosure of Information; and
7. Kode Etik. 7. Code of Ethics.
*) Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank Sinarmas mengalami perubahan sebagai hasil dari efektifnya pemisahan Unit Usaha Syariah. Dengan demikian,
dilakukan pengkinian Tata Tertib Kerja Direksi saat Laporan Tahunan ini diterbitkan, yaitu dalam Surat Keputusan No. SK.003/2024/PRESDIR tertanggal 2 Januari 2024.
On January 1, 2024, the composition of the Bank Sinarmas Board of Directors underwent changes due to the effective separation of the Sharia Business Unit. Consequently, an update
was made to the Board of Directors' Working Procedures at the time this Annual Report was issued, as outlined in Decision Letter No. SK.003/2024/PRESDIR dated January 2, 2024.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the Board of Directors
Tugas dan tanggung jawab Direksi berdasarkan pedoman kerja, Duties and Responsibility of the Board of Directors based on the
yakni: guidelines include:
1. Direksi bertanggung jawab penuh atas pelaksanaan 1. The Board of Directors is fully responsible for the
kepengurusan Bank; implementation of the Bank’s management;
2. Direksi wajib mengelola Bank sesuai dengan kewenangan 2. The Board of Management must manage the Bank in
dan tanggung jawabnya sebagaimana diatur dalam Anggaran accordance with the authority and responsibilities as stipulated
Dasar dan peraturan perundang-undangan; in the Articles of Association as well as laws and regulations;
3. Direksi wajib melaksanakan prinsip-prinsip tata kelola 3. The Board of Directors must implement Good Corporate
perusahaan dalam setiap kegiatan usaha Bank pada seluruh Governance principles in each of the Bank’s business activities
tingkatan atau jenjang organisasi; at all levels of organization;
4. Direksi bertanggung jawab dalam menciptakan struktur 4. The Board of Directors is responsible for establishing an internal
pengendalian intern dan menjamin terselenggaranya Fungsi control structure and ensuring the implementation of the
Audit Internal Bank dalam setiap tingkatan manajemen; Bank’s Internal Audit Function at every level of management;
5. Dalam pelaksanaan Fungsi Audit Internal, Direksi bertanggung 5. In carrying out the Internal Audit Function, the Board of
jawab: Directors is responsible for:
a. Mengembangkan kerangka pengendalian intern a. Developing an internal control framework to identify,
untuk mengidentifikasi, mengukur, memantau, dan measure, monitor, and control all risks faced by the Bank;
mengendalikan semua risiko yang dihadapi Bank; b. Ensuring the IAU obtains information related to
b. Memastikan SKAI memperoleh informasi terkait development, initiatives, projects, products, and
perkembangan yang terjadi, inisiatif, proyek, produk, operational changes as well as risks that have been
dan perubahan operasional serta risiko yang telah identified and anticipated;
diidentifikasi dan diantisipasi;
c. Memastikan telah dilakukan tindakan perbaikan yang c. Ensuring to carry out corrective actions in a timely manner
tepat dalam waktu yang cepat terhadap semua temuan towards all findings and recommendations of the IAU;
dan rekomendasi SKAI;
d. Memastikan kepala SKAI memiliki sumber daya serta d. Ensuring the Head of IAU has the required resources and
anggaran yang diperlukan untuk menjalankan tugas dan budget to carry out its duties and functions in accordance
fungsi sesuai dengan rencana audit tahunan; with the annual audit plan.
6. Direksi wajib menindaklanjuti temuan audit dan rekomendasi 6. The Board of Directors must follow up audit findings and
dari satuan kerja audit internal Bank, auditor ekstern, recommendations from the Bank’s internal Audit Unit,
hasil pengawasan Otoritas Jasa Keuangan dan/atau hasil external auditor, supervision results of the Financial Services
pengawasan otoritas lain; Authority and/or supervision results of other authorities;
7. Direksi bertanggung jawab terhadap non-performing loan 7. The Board of Directors is responsible for the Bank’s
(NPL) Bank; Non-Performing Loan (NPL);
8. Dalam rangka menerapkan prinsip Tata Kelola yang baik, 8. In order to implement the good Corporate Governance
Direksi paling sedikit wajib membentuk: principles, the Board of Directors must at least establish:
a. Satuan Kerja Audit Internal; a. Internal Audit Work Unit;
b. Risk Management Group dan Komite Manajemen Risiko; b. Risk Management Work Unit and Risk Management
Committee;
c. Satuan Kerja Kepatuhan; c. Compliance Work Unit.
9. Direksi wajib mempertanggungjawabkan pelaksanaan tugas 9. The Board of Directors must be responsible for the
kepada Pemegang Saham melalui RUPS; implementation of duties to shareholders through the GMS;
10. Direksi wajib mengungkapkan kepada pegawai mengenai 10. The Board of Directors must disclose to employees related to
kebijakan Bank yang bersifat strategis di bidang kepegawaian; the Bank’s strategic policies in employee affair;
11. Direksi wajib menyediakan data dan informasi yang akurat, 11. The Board of Directors must provide accurate, relevant, and
relevan dan tepat waktu kepada Dewan Komisaris; timely data and information to the Board of Commissioners;
12. Keputusan Direksi yang diambil sesuai dengan pedoman 12. Decisions of the Board of Directors taken in accordance
dan tata tertib kerja mengikat dan menjadi tanggung jawab with the guidelines and work rules are binding and are the
seluruh anggota Direksi; responsibility of all members of the Board of Directors;
13. Direksi wajib: 13. The Board of Directors shall;
a. Membuat daftar Pemegang Saham, daftar khusus, risalah a. Prepare a list of shareholders, special list, minutes of the
RUPS dan risalah rapat Direksi; GMS and minutes of the Board of Directors’ meeting;
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b. Membuat laporan tahunan dan dokumen keuangan b. Prepare the Company’s annual report and the financial
Perseroan sebagaimana dimaksud dalam Undang- documents as referred in the law on the Company
Undang tentang Dokumen Perusahaan; Documents;
c. Memelihara seluruh daftar, risalah, dokumen keuangan c. Maintain the entire lists, minutes, financial documents of
Bank dan dokumen Bank lainnya; the Bank and the Bank’s other documents.
14. Anggota Direksi wajib melaporkan kepada Perseroan 14. Members of the Board of Directors must report to the
mengenai saham yang dimiliki anggota Direksi yang Company regarding shares owned by members of the Board
bersangkutan dan/atau keluarganya dalam Perseroan; of Directors and/or their families in the Company;
15. Merumuskan, menyusun, mensosialisasikan, dan 15. Formulate, arrange, conduct an outreach, and evaluate vision,
mengevaluasi visi, misi, etos kerja, dan nilai perusahaan; mission, work ethic, and values of the Company;
16. Seluruh kebijakan tertulis Bank, baik dalam bentuk surat 16. All written policies of the Bank, both in the form of decree
keputusan (“SK”) maupun surat edaran (“SE”), wajib disetujui (“SK) and Circular Letter (“SE”) must be approved and signed
dan ditandatangani oleh anggota Direksi sesuai dengan by members of the Board of Directors in accordance with the
ketentuan internal perseroan beserta perubahannya; Company’s internal provisions and their amendments;
17. Mengoordinasikan perumusan dan penyusunan strategi 17. Coordinate the formulation and preparation of the Company’s
perusahaan baik jangka panjang (Corporate Plan) maupun strategy, both long-term (Corporate Plan) and medium/short-
jangka menengah/pendek (Rencana Bisnis Bank/RBB) serta term (Bank Business Plan/RBB) as well as propose them in
mengusulkannya guna mendapatkan persetujuan dari order to gain approval from the Board of Commissioners;
Dewan Komisaris; 18. Coordinate the formulation and implementation of
18. Mengoordinasikan perumusan dan pelaksanaan strategi the Sustainability Financial Implementation program by
program Penerapan Keuangan Berkelanjutan dengan considering the fulfillment of prudence requirement and the
memperhatikan pemenuhan ketentuan kehati-hatian dan implementation of risk management;
penerapan manajemen risiko; 19. Carry out, supervise, and evaluate the course of Corporate
19. Melaksanakan, mengawasi, dan mengevaluasi jalannya Plan and RBB in accordance with the established vision,
Corporate Plan dan RBB agar sesuai dengan Visi, Misi, dan mission, and objectives of the Bank;
Objektif Bank yang telah ditetapkan; 20. Determine the amount of salary or remuneration to employees
20. Menetapkan besarnya gaji atau remunerasi kepada karyawan and/or executive officers of the underlying unit by considering
dan/atau pejabat eksekutif unit kerja di bawahnya dengan recommendation of the Director in charge of Human Capital
memperhatikan rekomendasi Direktur yang membawahkan (HC);
Human Capital (HC);
21. Mengatur dan menetapkan struktur organisasi, pendelegasian 21. Organize and determine the organizational structure,
wewenang dan uraian tugas yang jelas bagi setiap pejabat delegation of authority, and brief job descriptions for each
maupun pegawai, baik di kantor pusat maupun di kantor- official and employee, both at the head office and in branch
kantor cabang; offices;
22. Pengalihan tugas sementara anggota Direksi dapat dilakukan 22. Temporary transfer of duties of members of the Board of
dengan ketentuan: Directors can be carried out with the following conditions:
a. Apabila Direktur Utama cuti atau berhalangan hadir maka a. In the event that the President Director is on leave or is
tugas-tugas Direktur Utama dilaksanakan secara bersama- unable to attend, the duties of the President Director are
sama oleh 2 orang Direktur lainnya sebagaimana diatur carried out collectively by two other directors as stipulated
dalam Anggaran Dasar Perusahaan; in the Company’s Articles of Association;
b. Direktur lainnya sebagaimana dijelaskan dalam huruf b. Other directors, as explained in letter (a), are Alternate
(a) merupakan Direktur Alternate adalah Direktur Directors who accept temporary assignment of Directors
yang menerima pengalihan tugas sementara Direktur due to leave/absence due to any reason that does not
dikarenakan cuti/berhalangan hadir oleh sebab apa need to be proven to third party as stipulated in applicable
pun yang tidak perlu dibuktikan kepada pihak ketiga internal regulations;
sebagaimana diatur dalam ketentuan internal yang
berlaku; dan
c. Selain Direktur Alternate juga terdapat piket harian Direksi c. In addition to the Alternate Directors, there is also daily
yang mana masing-masing Direktur tertentu harus selalu in charge Director in which each Director must always
berada di kantor pada hari kerja dan standby pada hari- come to office on weekdays and standby on certain
hari tertentu sesuai dengan jadwal yang telah disepakati days according to the agreed schedule as stipulated in
sebagaimana diatur dalam ketentuan internal yang berlaku. applicable internal regulations.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Kriteria Anggota Direksi Membership Criteria of the Board of Directors
Kriteria keanggotaan Direksi Bank Sinarmas, yakni: Criteria of members of the Board of Directors of Bank Sinasmas are:
1. Anggota Direksi diangkat dan diberhentikan oleh RUPS; 1. Members of the Board of Directors are appointed and
dismissed by the GMS;
2. Setiap usulan penggantian dan/atau pengangkatan 2. Each proposal to replace and/or appoint members of the Board
anggota Direksi oleh Dewan Komisaris kepada Rapat Umum of Directors by the Board of Commissioners to the General
Pemegang Saham, harus memperhatikan rekomendasi Meeting of Shareholders shall consider recommendation of
komite remunerasi dan nominasi; the Remuneration and Nomination Committee;
3. Yang dapat menjadi anggota Direksi adalah orang 3. Those who can become members of the Board of Directors
perseorangan yang memenuhi persyaratan pada saat diangkat are individuals who meet the requirements at the time of
dan selama menjabat: appointment and during their tenur:
a. Mempunyai akhlak, moral dan integritas yang baik; a. Having a good character, good morals, and integrity;
b. Cakap melakukan perbuatan hukum; b. Proficient in performing legal actions;
c. Dalam 5 tahun sebelum pengangkatan dan selama c. Within 5 years prior to their appointment and during their
menjabat: term of office:
1) Tidak pernah dinyatakan pailit; 1) Never been declare bankrupt;
2) Tidak pernah menjadi anggota Direksi dan/ 2) Never become a member of the Board of Directors
atau Dewan Komisaris yang dinyatakan bersalah and/or the Board of Commissioners who is found
menyebabkan suatu perusahaan dinyatakan pailit; guilty for causing a company to be declared bankrupt;
3) Tidak pernah dihukum karena melakukan tindak 3) Never been punished for committing a crime that is
pidana yang merugikan keuangan negara dan/atau detrimental to state finances and/or relates to the
yang berkaitan dengan sektor keuangan; financial sector; and
4) Tidak pernah menjadi anggota Direksi dan/atau 4) Never been a member of the Board of Director and/
anggota Dewan Komisaris yang selama menjabat: or any member of the Board of Commissioners who,
a) Pernah tidak menyelenggarakan RUPS tahunan; during the term of office:
b) Pertanggungjawabannya sebagai anggota a) Fail to hold the Annual GMS;
Direksi dan/atau anggota Dewan Komisaris b) The accountability as a member of the Board
pernah tidak diterima oleh RUPS atau pernah of Commissioners is refused by the GMS or fail
tidak memberikan pertanggungjawaban sebagai to deliver the responsibility as a member of the
anggota Direksi dan/atau anggota Dewan Board of Directors and/or member of the Board
Komisaris kepada RUPS; of Commissioners to the GMS;
c) Pernah menyebabkan perusahaan yang c) Cause a company that obtains a permit, approval,
memperoleh izin, persetujuan atau pendaftaran dari or registration from the Financial Services
Otoritas Jasa Keuangan tidak memenuhi kewajiban Authority to fail to comply with the obligation to
menyampaikan laporan tahunan dan/atau laporan submit annual report and/or financial statement
keuangan kepada Otoritas Jasa Keuangan; to the Financial Services Authority;
4. Memiliki komitmen untuk mematuhi peraturan perundang- 4. Having a commitment to comply with laws and regulations;
undangan; dan and
5. Memiliki pengetahuan dan/atau keahlian di bidang yang 5. Hacing knowledge and/or expertise required by the Issuer or
dibutuhkan Emiten atau Perusahaan Publik. the Public Company.
Pemenuhan persyaratan tersebut wajib dimuat dalam surat Fufillment of these requirements must be stipulated in a statement
pernyataan dan disampaikan kepada Bank. Selanjutnya, Bank letter and submitted to the Bank. Furthermore, the Bank shall
wajib meneliti dan mendokumentasikannya. Rincian penilaian examine and document it. Details of the fit and proper test will
kepatutan tersebut akan dijelaskan di bagian komposisi Direksi. be explained in the composition of the Board of Directors section.
Komposisi Direksi Composition of the Board of Directors
Komposisi Direksi Bank Sinarmas disesuaikan dengan ketentuan Composition of the Board of Directors of Bank Sinarmas is based
Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 dan Surat on Financial Services Authority Regulation No. 17 of 2023 and
Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang Financial Services Authority Circular No. 13/SEOJK.03/2017 on
Penerapan Tata Kelola bagi Bank Umum. Berikut komposisi Direksi the Implementation of Good Governance for Commercial Banks.
Bank per 31 Desember 2023.* The composition of the Board of Directors of the Bank as of
December 31, 2023, is as follows.
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Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Pertama kali diangkat sebagai Direktur Utama berdasarkan Keputusan
RUPS Luar Biasa per tanggal 8 September 2017 dengan akhir periode
Direktur Utama jabatan hingga dilaksanakannya RUPS Tahunan 2026.
Frenky Tirtowijoyo 2023-2026
President Director First appointment as President Director was based on the Extraordinary
GMS Resolution dated September 8, 2017, with the end of the term of
office until the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan keputusan
RUPS Luar Biasa 15 Juni 2012 dengan akhir periode jabatan hingga
Direktur Syariah dilaksanakannya RUPS Tahunan 2026.
Halim 2023-2026
Sharia Director First appointment as Sharia Director was based on the Extraordinary
GMS Resolution dated June 17, 2012, with the end of the term of
office until the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS
Direktur Compliance and Luar Biasa tanggal 10 Juni 2013 dengan akhir periode jabatan hingga
Risk Management dilaksanakannya RUPS Tahunan 2026.
Hanafi Himawan 2023-2026
Compliance and Risk First appointment as Director was based on the Extraordinary GMS
Management Director Resolution dated June 10, 2013, with the end of the term of office
until the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS
Luar Biasa tanggal 24 Maret 2015 dengan akhir periode jabatan hingga
Direktur Sharia Financing dilaksanakannya RUPS Tahunan 2026.
Soejanto Soetjijo 2023-2026
Sharia Financing Director First appointment as Director was based on the Extraordinary GMS
Resolution dated March 24, 2015, with the end of term of office until
the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan Keputusan RUPS
Luar Biasa per tanggal 5 Desember 2018 dengan akhir periode jabatan
Direktur Retail Banking hingga dilaksanakannya RUPS Tahunan 2026.
Miko Andidjaja 2023-2026
Sharia Financing Director First appointment as Director was based on the Extraordinary GMS
Resolution dated December 5, 2018, with the end of the term of office
until the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS
Tahunan 14 Juni 2022 dan efektif menjabat sejak tanggal 14 Juni
Direktur Sharia 2022 dengan akhir periode jabatan hingga dilaksanakannya RUPS
Uzan Tedjamulia Optimization Tahunan 2026. 2023-2026
Retail Banking Director First appointment as Director was based on the Annual GMS Resolution
dated June 14, 2022, and has effectively served since June 14, 2022,
with the end of the term of office until the 2026 Annual GMS.
Pertama kali diangkat sebagai Direktur berdasarkan Keputusan RUPS
Tahunan per tanggal 14 Juni 2022 dan efektif menjabat sejak tanggal
Direktur Lending &
11 Oktober 2022 dengan akhir periode jabatan hingga dilaksanakannya
Wholesale Banking
Ekajaya Ongny Putra RUPS Tahunan 2026. 2023-2026
Lending & Wholesale
First appointment as Director was based on the Annual GMS Resolution
Banking Director
dated June 14, 2022, and has effectively served since October 11, 2022,
with the end of the term of office until the 2026 Annual GMS
Pertama kali diangkat sebagai Direktur berdasarkan Keputusan
Direktur Operations & Tahunan per tanggal 27 Juni 2023 dengan akhir periode jabatan
Data Analytics hingga dilaksanakannya RUPS Tahunan 2026.
Enny Kamal 2023-2026
Operations & Data First appointment as Director was based on the Annual GMS Resolution
Analytics Director dated June 27, 2023, with the end of the term of office until the 2026
Annual GMS.
Direktur Information Pertama kali diangkat sebagai Direktur berdasarkan Keputusan
Technology & Tahunan per tanggal 27 Juni 2023 dengan akhir periode jabatan
Digital Experience hingga dilaksanakannya RUPS Tahunan 2026.
Sendy 2023-2026
Information Technology First appointment as Director was based on the Annual GMS Resolution
& Digital Experience dated June 27, 2023, with the end of the term of office until the 2026
Director Annual GMS.
* Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank Sinarmas mengalami perubahan sebagai hasil dari efektifnya pemisahan Unit Usaha Syariah. Dengan demikian,
komposisi Direksi saat Laporan Tahunan ini di terbitkan sebagai berikut / On January 1, 2024, the composition of the Board of Directors of Bank Sinarmas changed as a result of the
effective spin-off of Sharia Business Unit. Therefore, the composition of the Board of Directors at the time of this Annual Report publication is as follows::
Direksi / Board of Directors:
Direktur Utama / President Director : Frenky Tirtowijoyo
Direktur / Director : Miko Andidjaja
Direktur / Director : Ekajaya Ongny Putra
Direktur / Director : Enny Kamal
Direktur / Director : Sendy
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Ruang Lingkup Pekerjaan dan Tanggung Jawab Scope of Duties and Responsibilities of
Masing-Masing Direksi Respective Directors
Ruang lingkup tugas dan tanggung jawab masing-masing Scope of duties and responsibilities of each member of the Board
anggota Direksi Sinarmas* dijelaskan sebagai berikut: of Directors of Sinarmas* is explained as follows:
Nama Jabatan Tugas dan Tanggung Jawab
Name Position Duties and Responsibilites
Bertanggung jawab atas seluruh tugas Direksi dengan memperhatikan span of control dan
mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Finance & Performance
Management, Human Capital Management, Internal Audit, Corporate Secretary, Corporate Liaison,
Direktur Utama dan Corporate Strategic Program and Development.
Frenky Tirtowijoyo
President Director Responsible for all the duties of the Board of Directors by considering the span of control, and to
direct, supervise and carry out direct evaluation on Finance & Performance Management, Human
Capital Management, Internal Audit, Corporate Secretary, Corporate Liaison, and Corproate
Strategic Program and Development Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Sharia Business Unit,
Direktur Syariah Sharia Digital Transformation Office, dan Advisor to Sharia Director.
Halim
Sharia Director To direct, supervise, and carry out direct evaluation on Sharia Business, Sharia Digital Transformation
Office, and Advisor to Sharia Director Work Unit.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Credit Management
Direktur Compliance and (MSME & Consumer), Corporate Management (Corporate & Commercial), Risk Management,
Risk Management Compliance, Loan Recovery, Legal, dan Anti-Fraud.
Hanafi Himawan
Compliance and Risk To direct, supervise, and carry out direct evaluation on Credit Management (MSME & Consumer),
Management Director Corporate Management (Corporate & Commercial), Risk Management, Compliance, Loan Recovery,
Legal, and Anti-Fraud Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Sharia Financing
Direktur Sharia Financing
Soejanto Soetjijo Strategy.
Sharia Financing Director
To direct, supervise, and carry out direct evaluation on Sharia Financing Strategy Work Unit.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Digital Sales &
Direktur Retail Banking Marketing, Deposit Investment Product Development, dan Sales & Distribution.
Miko Andidjaja
Sharia Financing Director To direct, supervise, and carry out direct evaluation on Digital Sales & Marketing, Deposit Investment
Product Development, and Sales & Distribution Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Sharia Business
Direktur Sharia
Optimization dan Sharia Business Process & Quality Management.
Uzan Tedjamulia Optimization
To direct, supervise, and carry out direct evaluation on Sharia Business Optimization and Sharia
Retail Banking Director
Business & Quality Management Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Micro, Small &
Enterprise Business, Corporate Banking & Commercial Business Management, Corporate Banking
Direktur Lending & Business Solution, Treasury & Financial Institution, Securities Services, Indirect Channel & Collateral
Wholesale Banking Valuation, dan Advisor to Lending & Wholesale Banking Director.
Ekajaya Ongny Putra
Lending & Wholesale To direct, supervise, and carry out direct evaluation on Micro, Small, & Enterprise Business, Corporate
Banking Director Banking & Commercial Business Management, Corporate Banking Business Solution, Treasury
& Financial Institution, Securities Services, Indirect Channel & Collateral Valuation, and Advisor to
Lending & Wholesale Banking Director Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Business Intelligence,
Direktur Operations &
Artificial Intelligence & Decision Science, Card Center, Credit Administration & Control, dan
Data Analytics
Enny Kamal Operations.
Operations & Data
To direct, supervise, and carry out direct evaluation on Business Intelligent, Artificial Intelligence &
Analytics Director
Decision Science, Card Center, Credit Aministration & Control, and Operations Work Units.
Mengarahkan, mengawasi dan melakukan evaluasi secara langsung Unit Kerja Payment & Transaction;
Direktur Information IT Governance, Strategy, Architecture, Planning & Information Security; Customer Facing & Internal
Technology & Product Management; Technical Product Management; IT Engineering; IT Infrastructure, DevOps,
Digital Experience Operations & Product Assurance; dan Consumer & Digital Loan.
Sendy
Information Technology To direct, supervise, and carry out direct evaluation on Payment & Transaction; IT Governance,
& Digital Experience Strategy, Architecture, Planning & Information Security; Customer Facing & Internal Product
Director Management; Technical Product Management; IT Engineering; IT Infrastructure, DevOps, Operations
& Product Assurance; Consumer & Digital Loan Work Units.
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* Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank Sinarmas mengalami perubahan sebagai hasil dari efektifnya pemisahan Unit Usaha Syariah. Dengan demikian,
komposisi Direksi saat Laporan Tahunan ini di terbitkan sebagai berikut / On January 1, 2024, the composition of the Board of Directors of Bank Sinarmas changed as a result of the
effective spin-off of Sharia Business Unit. Therefore, the composition of the Board of Directors at the time of this Annual Report publication is as follows::
Direksi / Board of Directors:
Direktur Utama / President Director : Frenky Tirtowijoyo
Direktur / Director : Miko Andidjaja
Direktur / Director : Ekajaya Ongny Putra
Direktur / Director : Enny Kamal
Direktur / Director : Sendy
Penilaian Kemampuan dan Kepatutan Direksi Fit and Proper Test of the Board of Directors
Bank memastikan bahwa semua anggota Direksi telah lulus The Bank ensures that all Board of Directors’ member have passed
penilaian kemampuan dan kepatutan (fit and proper test). the fit and proper test. This commitment is a manifestation of
Komitmen ini merupakan wujud kepatuhan Bank terhadap the Bank’s compliance with Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 Penilaian No. 27/POJK.03/2016 on Fit and Proper Test for Main Parties of
Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa Financial Services Institutions. Information on fit and proper test
Keuangan. Informasi mengenai hasil fit and proper test Direksi results for the Board of Directors of Bank Sinarmas* is disclosed in
Bank Sinarmas* diungkapkan pada tabel berikut. the following table.
Nama Jabatan Pelaksana No. Surat Tanggal Hasil
Name Position Organizer Letter No. Date Result
Direktur Utama Otoritas Jasa Keuangan 19 Juli 2017 Lulus
Frenky Tirtowijoyo KEP-131/D.03/2017
President Director Financial Services Authority July 19, 2017 Passed
Direktur 12 Maret 2012 Lulus
Halim Bank Indonesia 14/25/GBI/DPIP/Rahasia
Director March 12, 2012 Passed
Direktur 6 Mei 2013 Lulus
Hanafi Himawan Bank Indonesia 15/84/GBI/DPIP/Rahasia
Director May 6, 2013 Passed
Direktur Otoritas Jasa Keuangan 10 Desember 2014 Lulus
Soejanto Soetjijo SR-223/D.03/2014
Director Financial Services Authority December 10, 2014 Passed
Direktur Otoritas Jasa Keuangan 2 Agustus 2018 Lulus
Miko Andidjaja KEP-121/D.03/2018
Director Financial Services Authority August 2, 2018 Passed
Direktur Otoritas Jasa Keuangan 15 Desember 2021 Lulus
Uzan Tedjamulia KEP-195/D.03/2021
Director Financial Services Authority December 15, 2021 Passed
Direktur Otoritas Jasa Keuangan 3 Oktober 2022 Lulus
Ekajaya Ongny Putra KEP-151/D.03/2022
Director Financial Services Authority October 3, 2022 Passed
Direktur Otoritas Jasa Keuangan 27 Juni 2023 Lulus
Enny Kamal KEPR-63/D.03/2023
Director Financial Services Authority June 27, 2023 Passed
Direktur Otoritas Jasa Keuangan 27 Juni 2023 Lulus
Sendy KEPR-64/D.03/2023
Director Financial Services Authority June 27, 2023 Passed
* Pada tanggal 1 Januari 2024, komposisi anggota Direksi Bank Sinarmas mengalami perubahan sebagai hasil dari efektifnya pemisahan Unit Usaha Syariah. Dengan demikian,
komposisi Direksi saat Laporan Tahunan ini di terbitkan sebagai berikut / On January 1, 2024, the composition of the Board of Directors of Bank Sinarmas changed as a result of the
effective spin-off of Sharia Business Unit. Therefore, the composition of the Board of Directors at the time of this Annual Report publication is as follows::
Direksi / Board of Directors:
Direktur Utama / President Director : Frenky Tirtowijoyo
Direktur / Director : Miko Andidjaja
Direktur / Director : Ekajaya Ongny Putra
Direktur / Director : Enny Kamal
Direktur / Director : Sendy
Rangkap Jabatan Direksi Concurrent Possitions of the Board of Directors
Seluruh anggota Direksi Bank Sinarmas tidak merangkap jabatan All members of the Board of Directors of Bank Sinarmas have no
di perusahaan/instansi mana pun. concurrent positions in any company/institution.
2023 Annual and Sustainability Report
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Perusahaan/Lembaga Lain
Nama Jabatan Other Company/Institution
Name Position Jabatan Institusi Bidang Usaha
Position Institution Line of Business
Direktur Utama Nihil Nihil Nihil
Frenky Tirtowijoyo
President Director None None None
Direktur Syariah Nihil Nihil Nihil
Halim
Sharia Director None None None
Direktur Compliance and Risk Management Nihil Nihil Nihil
Hanafi Himawan
Compliance and Risk Management Director None None None
Direktur Sharia Financing Nihil Nihil Nihil
Soejanto Soetjijo
Sharia Financing Director None None None
Direktur Retail Banking Nihil Nihil Nihil
Miko Andidjaja
Sharia Financing Director None None None
Direktur Sharia Optimization Nihil Nihil Nihil
Uzan Tedjamulia
Retail Banking Director None None None
Direktur Lending & Wholesale Banking Nihil Nihil Nihil
Ekajaya Ongny Putra
Lending & Wholesale Banking Director None None None
Direktur Operations & Data Analytics Nihil Nihil Nihil
Enny Kamal
Operations & Data Analytics Director None None None
Direktur Information Technology &
Digital Experience Nihil Nihil Nihil
Sendy
Information Technology & None None None
Digital Experience Director
Pengelolaan Benturan Kepentingan Direksi Management of Conflicts of Interest of the
Board of Directors
Aturan terkait pengelolaan benturan kepentingan Direksi telah Regulations related to conflicts of interests of the Board of
dimuat dalam Pedoman Direksi yang ditetapkan melalui Pedoman Director have been stipulated in the Board of Directors Guidelines
Direksi Rev 2.0 No. SK.045/2018/PRESDIR-CorSec tertanggal 25 established under the Board of Directors Charter Rev. 2.0 No.
Oktober 2018, sebagai berikut. SK.045/2018/PRESDIR-CorSec dated October 25, 2018, as follows.
1. Direksi wajib memperhatikan prinsip dasar untuk menghindari 1. The Board of Directors must adhere to the fundamental
benturan kepentingan terhadap kebijakan dan pelaksanaan principle of avoiding conflicts of interest regarding the policies
Tata Kelola Perusahaan sebagaimana telah diatur di dalam and implementation of Corporate Governance as regulated
peraturan regulator. by the regulatory authorities.
2. Dalam hal ini terjadi benturan kepentingan, anggota Direksi 2. In the event of a conflict of interest, directors are prohibited
dilarang mengambil tindakan yang dapat merugikan Bank atau from taking actions that may harm the Bank or reduce its
mengurangi keuntungan Bank dan wajib mengungkapkan profits and are required to disclose the conflict of interest in
benturan kepentingan dalam setiap keputusan. every decision.
Orientasi bagi Direksi Orientation for the Board of Directors
Bank Sinarmas menyelenggarakan program orientasi khusus bagi Bank Sinarmas organizes special orientation programs for
Direksi yang baru diangkat dengan ketentuan sebagai berikut. the newly appointed members of the Board of Directors with
following provisions.
1. Program Orientasi bagi anggota Direksi yang baru bertujuan 1. The Orientation Program for new members of the Board of
untuk memberikan arahan kepada anggota Direksi baru agar Directors aims to provide direction to new members of the
memperoleh pemahaman tentang Perseroan Sehingga dapat Board of Directors in order to gain an understanding of the
menunjang efektivitas pelaksanaan tugas dan tanggung Company to ensure that they can support the effectiveness of
jawabnya sebagai Direktur. carrying out their duties and responsibilities as Director.
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2. Dalam program orientasi yang bersangkutan akan mendapat 2. In the orientation program, he/she will gain knowledge about
pengetahuan tentang Perseroan antara lain visi, misi, objektif the Company, including vision, mission, long-term objectives,
jangka panjang, Rencana Bisnis Bank, Laporan Keuangan, Bank Business Plans, Financial Statements, Annual Reports,
Laporan Tahunan dan kebijakan-kebijakan terkait Direksi. and policies related to the Board of Directors.
3. Dokumen orientasi dipersiapkan oleh Corporate Secretary. 3. The orientation document is prepared by the Corporate
Secretary.
Pada tahun 2023, terdapat perubahan komposisi anggota Direksi. In 2023, there was a change in the composition of the Board of
Corporate Secretary telah melakukan orientasi untuk Direktur Director. Corporate Secretary has carried out orientation for the
baru dengan menyediakan dokumen orientasi dan memastikan new Director by prerparing the orientation documents, as well as
pemahaman terkait Bank, seperti visi, misi, objektif jangka panjang, ensuring that the new Director obtained knowledge about the
Rencana Bisnis, Laporan Keuangan, Laporan Tahunan, kebijakan- Bank, including vision, mission, long-term objectives, the Bank’s
kebijakan, serta hak dan kewajiban Direktur. Business Plan, Financial Statements, Annual Reports, policies, as
well as rights and obligations of the Director.
Sertifikasi Manajemen Risiko Risk Management Certification
Bank Sinarmas memastikan bahwa seluruh Direksi telah Bank Sinarmas ensures that all members of the Board of Directors
mendapatkan Sertifikasi Manajemen Risiko sebagai syarat have risk management certificate as the requirement to conduct
mengikuti fit and proper test, sesuai peraturan Otoritas Jasa fit and propert test in line with Financial Services Authority
Keuangan. Penyelenggaraan (refreshment) Program Penyegaran regulations. Refreshment of Risk Management Certification
Sertifikasi Manajemen Risiko juga dilakukan sesuai ketentuan Program is regulated and implemented in accordance with Bank
Peraturan Bank Indonesia No. 11/19/PBI/2009 Pasal 14 Ayat 1, Indonesia Regulation No. 11/19/ PBI/2009, Article 14 paragraph
yakni Komisaris dan Manajer Risiko Bank yang telah memiliki (1), where the Bank’s Commissioners and Risk Managers who
sertifikasi manajemen risiko diwajibkan mengikuti program already have a Risk Management Certificate must regularly attend
refreshment secara berkala, paling kurang: the refresherment program at least:
1. 1 kali dalam 4 tahun untuk tingkat 1; 1. Once every four years for level one;
2. 1 kali dalam 4 tahun untuk tingkat; 2. Once every four years for level two:
3. 1 kali dalam 2 tahun untuk tingkat 3; 3. Once every two years for level three;
4. 1 kali dalam 2 tahun untuk tingkat 4; dan 4. Once every two years for level four; and
5. 1 kali dalam 2 tahun untuk tingkat 5. 5. Once every two years for level five.
Jangka waktu refreshment tersebut terhitung sejak Sertifikat The period of refreshment is set as of the last Risk Management
Manajemen Risiko terakhir diterbitkan. Informasi terkait refreshment Certificate issued. Information related to the refreshment that
yang telah diikuti Direksi, diungkapkan pada tabel berikut. the Board of Directors has participated in is disclosed in the
following table.
Nama Jabatan Refreshment Terakhir Tema Refreshment
Name Position Most Recent Refreshment Theme of Refreshment
Direktur Utama 3 November 2023
Frenky Tirtowijoyo Strengthen 4 Pillar Risk Management Toward Sustainable Bank
President Director November 3, 2023
Strategi Bisnis Berkelanjutan Era Bank 4.0 dan kaitannya
Direktur Syariah 15 September 2023 dengan Manajemen Risiko
Halim
Sharia Director September 15, 2023 Sustainable Business Strategy in Banking 4.0 Era and Its
Relation to Risk Management
Direktur Compliance and
Risk Management 25 Agustus 2023 Secure by Design as The Key Foundation for Effective Cyber
Hanafi Himawan
Compliance and Risk August 25, 2023 Risk Management
Management Director
Direktur Sharia Financing 25 Agustus 2023 Secure by Design as The Key Foundation for Effective Cyber
Soejanto Soetjijo
Sharia Financing Director August 25, 2023 Risk Management
Direktur Retail Banking 3 November 2023
Miko Andidjaja Strengthen 4 Pillar Risk Management Toward Sustainable Bank
Sharia Financing Director November 3, 2023
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Nama Jabatan Refreshment Terakhir Tema Refreshment
Name Position Most Recent Refreshment Theme of Refreshment
Direktur Sharia Optimization 3 November 2023
Uzan Tedjamulia Strengthen 4 Pillar Risk Management Toward Sustainable Bank
Retail Banking Director November 3, 2023
Direktur Lending &
Wholesale Banking 3 November 2023
Ekajaya Ongny Putra Strengthen 4 Pillar Risk Management Toward Sustainable Bank
Lending & Wholesale November 3, 2023
Banking Director
Direktur Operations &
Data Analytics 3 November 2023
Enny Kamal Strengthen 4 Pillar Risk Management Toward Sustainable Bank
Operations & November 3, 2021
Data Analytics Director
Direktur Information
Technology &
3 November 2023
Sendy Digital Experience Strengthen 4 Pillar Risk Management Toward Sustainable Bank
November 3, 2023
Information Technology &
Digital Experience Director
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Tahun 2023 in 2023
Sepanjang tahun 2023, Direksi Bank Sinarmas telah melaksanakan Throughout 2023, the Board of Director of Bank Sinarmas carried
tugas dan tanggung jawab sebagai berikut. out its duties and responsibilities as follow.
1. Memperkuat infrastruktur pelayanan secara digital melalui 1. Strengthened digital service infrastructure by adding features
penambahan fitur pada aplikasi mobile banking SimobiPlus to SimobiPlus mobile banking application to support the
untuk mendukung pertumbuhan transaksi online. growth of online transaction.
2. Memperluas jangkauan pemasaran lewat mobile banking dan 2. Expanded marketing coverage through mobile banking and
internet banking. internet banking.
3. Menjalin kemitraan dengan perusahaan teknologi finansial 3. Established partnership with financial technology companies
untuk meningkatkan penyaluran kredit baik kredit modal kerja to improve the distribution of credit, both work capital and
dan investasi untuk segmen usaha mikro, kecil, menengah investment loans for the micro, small, and medium enterprises
maupun kredit konsumtif. as well as consumptive loans.
4. Meningkatkan kualitas penerapan manajemen risiko kredit agar 4. Improved the quality of credit risk management implementation
potensi risiko kredit dapat dimitigasi dan kualitas kredit debitur to mitigate potential credit risk and managed debtor credit
tetap terkelola. Upaya perbaikan difokuskan pada proses inisiasi quality. Improvement efforts were focused on the credit
kredit melalui perbaikan kebijakan, pemantauan kredit sampai initiation process through improved policies, credit monitoring
dengan penanganan kredit bermasalah pada seluruh segmen to the handling of non-performing loans in all credit segments
kredit baik korporat, ritel, mikro, maupun konsumsi. including corporate, retail, micro, and consumer.
5. Melakukan penanganan kredit bermasalah sepanjang tahun 5. Optimized the handling of non-performing loans in 2023,
2023 secara optimal, baik melalui penagihan intensif maupun both through intensive collection and collateral execution.
eksekusi jaminan.
6. Menjaga keseimbangan portofolio aset dan kewajiban untuk 6. Maintained a balance portfolio of assets and liabilities to
mendapatkan net interest margin/spread yang optimal obtain an optimal net interest margin/spread with a measured
dengan tingkat risiko yang terukur dan terkendali. and controlled level of risk.
7. Memperkuat sumber daya manusia melalui rekrutmen untuk 7. Strengthened Human Resources through recruitment for
posisi-posisi strategis serta membentuk unit-unit baru. strategic position and established new units.
8. Menjalankan rencana aksi keuangan berkelanjutan. 8. Carried out the sustainable finance action plans.
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Pengembangan Kompetensi Direksi Board of Directors’ Competency Development
Bank Sinarmas memfasilitasi Direksi untuk mengikuti berbagai Bank Sinarmas facilitates the Board of Directors to participate in
program pengembangan kompetensi. Langkah ini dilakukan various competency development programs. This step is taken to
untuk memastikan Direksi memiliki kompetensi yang diperlukan ensure that the Board of Directors has the necessary competence to
untuk menjalankan perannya secara efektif dalam mendukung effectively fulfill its role in supporting the success and sustainability
kesuksesan dan keberlanjutan Bank. Informasi mengenai of the Bank. Information regarding the competency development
program pengembangan kompetensi Direksi pada tahun 2023 program for the Board of Directors in 2023 is disclosed as follows.
diungkapkan sebagai berikut.
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
24 Januari 2023
January 24, 2023 Learning Center
One Xcellence: I Can't, but We Can
Merlynn Park Hotel, Bank Sinarmas
Jakarta
30 Januari 2023
January 30, 2023
Executive Gathering Tahun Baru Imlek 2574 Sinarmas
Sinarmas Land Plaza
Tower 2
18 Maret 2023
Learning Center
Synergy for Sustainable Performance March 18, 2023
Bank Sinarmas
Double Tree Hotel
Direktur Utama
Frenky Tirtowijoyo Festival Ekonomi Keuangan Digital Indonesia (FEKDI)
President Director
"Synergy and Innovation to Enhance Regional 8 Mei 2023
Economy" May 8, 2023
Bank Indonesia
Digital Financial Economy Indonesia Festival (FEKDI) Jakarta Convention
"Synergy and Innovation to Enhance Regional Hall
Economy"
17 Juli 2023
Learning Center
Town Hall Q2 - The Winner of Change July 17, 2023
Bank Sinarmas
Pastis Pool Bar Jakarta
3 November 2023
UKMR Refreshment Strengthen 4 Pillar Risk
November 3, 2023 Bank Sinarmas
Management Toward Sustainable Bank
The Grand Mansion
FGD – Membangun Ekosistem & Digitalisasi Koperasi
bersama Lembaga Pembiayaan Dana Bergulir (LPDB)
12 April 2023
KUMKM
April 13, 2023 Bank Sinarmas
FGD - Building Cooperative Ecosystem & Digitalization
The Grand Mansion
with the Revolving Fund Management Institution
(LPDB) for MSMEs
Training Refreshment Uji Kompetensi Manajemen
Risiko (UKMR): Strategi Bisnis Berkelanjutan Era Bank
Direktur Syariah
Halim 4.0 dan Kaitannya dengan Manajemen Risiko 15 September 2023
Sharia Director
Risk Management Competency Test (UKMR) September 15, 2023 Bank Sinarmas
Refreshment Training: Sustainable Business Strategies Zoom Meeting
in the Banking 4.0 Era and its Relationship with Risk
Management
11-12 Desember 2023
December 11-12, 2023
Workshop Business Plan Bank Nano Syariah Bank Sinarmas
Aloft Hotel Jakarta
Wahid Hasyim
Otoritas Jasa
10 Januari 2023
Keuangan
Outlook Industri Jasa Keuangan di Tahun 2023 January 10, 2023
Direktur Compliance Financial Services
Zoom Meeting
and Risk Management Authority
Hanafi Himawan
Compliance and Risk 29-30 Maret 2023
Management Director March 29-30, 2023
Pendidikan Dasar Perbankan Syariah (PPDS) Muamalat Institute
Sinar Mas Land Plaza
Lt. 8
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Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
FGD – Membangun Ekosistem & Digitalisasi Koperasi
bersama Lembaga Pembiayaan Dana Bergulir (LPDB)
12 April 2023
KUMKM
April 12, 2023 Bank Sinarmas
FGD - Building Cooperative Ecosystem & Digitalization
The Grand Mansion
with the Revolving Fund Management Institution
(LPDB) for MSMEs
Pelatihan APU PPT dan Tipologi TPPU TPPT
19 Agustus 2023
Training on AML-CFT and Typology of Money
August 19, 2023 Bank Sinarmas
Laundering (TPPU) and Terrorism Financing Crime
The Grand Mansion
(TPPT)
Training Refreshment Uji Kompetensi Manajemen 25 Agustus 2023
Risiko (UKMR): Secure by Design as The Key August 25, 2023 Bank Sinarmas
Foundation for Effective Cyber Risk Management Hotel Ashley, Jakarta
Pelatihan APU PPT dan Tipologi TPPU TPPT 26 Agustus 2023
Training on AML-CFT and Typology of Money August 26, 2023
Bank Sinarmas
Laundering (TPPU) and Terrorism Financing Crime The Grand Mansion
(TPPT) Menteng, Jakarta
28 Agustus 2028
Webinar Bincang UMKM - Maju bersama Wiki President Office
August 28, 2023
Wirausaha Sinarmas
Zoom Meeting
Menghadiri Undangan Seminar “Implementasi 6 September 2023
Governance, Risk, & Compliance (GRC) Terintegrasi September 6, 2023
pada Perbankan Syariah di Era 4.0” Asbisindo 2023 Auditorium Bank
ASBISINDO
Attending the Seminar Invitation "Implementation of Syariah Indonesia,
Integrated Governance, Risk, & Compliance (GRC) in Gedung The Tower
Sharia Bank-ing in the Era of 4.0" by Asbisindo 2023 Lt. 6
3 November 2023
Training Program Upskilling RMG: Out of The Box in Risk Management
November 3, 2023
Inovation Bank Sinarmas
Swissbel, Bandung
19 Desember 2023
Training Penerapan Manajemen Risiko Terintegrasi December 19, 2023
Bank Sinarmas
Konglomerasi Keuangan The Grand Mansion,
Jakarta
Webinar OJK “Menyambut Aset Kripto dalam uatan
Ekosistem Keuangan Digital di Indonesia” 22 Desember 2023
Otoritas Jasa
OJK Webinar "Welcoming Crypto Assets in December 22, 2023
Keuangan
Strengthening the Digital Financial Ecosystem in Zoom Meeting
Indonesia"
24 Januari 2023
January 24, 2023 Learning Center
One Xcellence : I Can’t, but We Can
Merlynn Park Hotel, Bank Sinarmas
Jakarta
17 Februari 2023
February 17, 2023 Learning Center
Program Binus Internship
Learning Center Bank Bank Sinarmas
Sinarmas
Membangun Ekosistem & Digitalisasi Koperasi bersama
12 April 2023
Lembaga Pembiayaan Dana Bergulir (LPDB) Kumkm
April 12, 2023
Direktur Sharia Building Cooperative Ecosystem & Digitalization with Bank Sinarmas
The Grand Mansion
Financing the Revolving Fund Management Institution (LPDB)
Soejanto Soetjijo Menteng, Jakarta
Sharia Financing for MSMEs
Director 20 Juni 2023
FGD Cyber Security Issues dan Langkah Mitigasi di June 20, 2023
Bank Indonesia
Industri The Langham Hotel,
Jakrta
25 Agustus 2023
UKMR Refreshment - Secury by Design as The Key
August 25, 2023 Maisa Edukasi
Foundation for Effective Cyber Risk Management
Hotel Ashley, Jakarta
28 Oktober 2023
Analisis Pembiayaan Syariah October 28, 2023 Learning Center
Sharia Financing Analysis The Grand Mansion Bank Sinarmas
Menteng, Jakarta
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
9-10 November 2023
1st Fintech (ICION) Workshop Innovate, Accelerate November 9-10, 2023 Indonesia CIO
and Secure The Crystal Luxury Bay Network
Resort, Nusa Dua Bali
Seminar “Menavigasi Sistem Pembayaran Nasional 6 Desember 2023
di Era Digital” December 6, 2023
Bisnis Indonesia
Seminar "Navigating the National Payment System in Grand Hyatt Hotel,
the Digital Era" Jakarta
7 Desember 2023
December 7, 2023
Marketing Outlook Indonesia 2024 Markplus
The Ritz Carlton,
Jakarta
11-12 Desember 2023
Technical Skills-Business Analysis; Business Plan December 11-12, 2023 Learning Center
Workshop Roxy Square, Ruang Bank Sinarmas
Irian
17 Desember 2023
December 17, 2023 Learning Center
Technical Skills-Lending; Analisis Pembayaran
Oakwood Hotel, Bank Sinarmas
Surabaya
24 Desember 2023
Learning Center
Technical Skills-Lending; Analisis Pembayaran December 24, 2023
Bank Sinarmas
Hotel Novotel, Jakarta
24 Januari 2023
January 24, 2023 Learning Center
One Xcellence: I Can’t, but We Can
Merllyn Park Hotel, Bank Sinarmas
Jakarta
30 Maret 2023
Townhall Q1 March 30, 2023 Bank Sinarmas
Roxy Square
17 Juli 2023
Townhall Q2 dengan Tema “The Winner of Change” July 17, 2023 Bank Sinarmas
Pastis, Jakarta
Undangan FGD - Perumusan Arah dan Kebijakan 31 Juli 2023 Otoritas Jasa
Strategi OJK tahun 2024 dan 2025 July 31, 2023 Keuangan
Invitation to FGD - Formulation of OJK Strategy Hotel Mandarin Financial Services
Direction and Policy for 2024 and 2025 Oriental, Jakarta Authority
Direktur Retail Banking 12 September 2023
Miko Andidjaja Sharia Financing September 12, 2023
Workshop SMMA LEAP Top Leaders Kickoff Sinar Mas Multiartha
Director The Grand Mansion,
Jakarta
5 Oktober 2023
Workshop SMMA “Progressing Initiatives and
October 5, 2023 Sinar Mas Multiartha
Measuring Impact”
Tower 2 Lt. 39
3 November 2023
Refreshment UKMR “Strengthen 4 Pillar Risk November 3, 2023
Bank Sinarmas
Management to Ward Sustainable Bank” The Grand Mansion,
Jakarta
15-17 November 2023
Retail Banking Workshop - Quatum Leap 2024 November 15-17, 2023 Bank Sinarmas
Batam
30 November 2023
Forum 2: Initiative Planning and Root-Cause Analysis November 30, 2023 Sinar Mas Multiartha
AONE Hotel, Jakarta
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
Membangun Ekosistem & Digitalisasi Koperasi bersama
12 April 2023
Lembaga Pembiayaan Dana Bergulir (LPDB) KUMKM
April 12, 2023
Building Cooperative Ecosystem & Digitalization with Bank Sinarmas
The Grand Mansion,
the Revolving Fund Management Institution (LPDB)
Jakarta
for MSMEs
Pemaparan Pokok-Pokok Pengaturan terkait 26 Mei 2023
Pemisahan dan Konsolidasi UUS May 26, 2023 Otoritas Jasa
Presentation of Key Regulations related to Separation Menara Radius Keuangan
and Consolidation of Sharia Business Unit (UUS) Prawiro
20 Maret 2023
Undangan Kick Off SERAMBI 2023 March 20, 2023 Bank Indonesia
Gedung BI Lobby C
30 Maret 2023
Town Hall Q1 March 30, 2023 Bank Sinarmas
Roxy Square
Pemaparan Pokok-Pokok Pengaturan terkait 26 Mei 2023
Pemisahan dan Konsolidasi UUS May 26, 2023 Otoritas Jasa
Presentation of Key Regulations related to Separation Menara Radius Keuangan
and Consolidation of Sharia Business Unit (UUS) Prawiro
17 Juli 2023
Townhall Q2 dengan Tema “The Winner of Change” July 17, 2023 Bank Sinarmas
Pastis, Jakarta
18 Juli 2023
Workshop Education Financing Pekerja Migran
July 18, 2023 Bank Sinarmas
Indonesia (PMI) & Micro Financing Alsintan
KCS Cikditiro
12 September 2023
September 12, 2023
Direktur Sharia Workshop SMMA LEAP Top Leaders Kickoff Sinar Mas Multiartha
The Grand Mansion,
Uzan Tedjamulia Optimization Jakarta
Retail Banking Director
5 Oktober 2023
Workshop SMMA “Progressing Initiatives and
5 Oktober 2023 Sinar Mas Multiartha
Measuring Impact”
Tower 2 Lt. 39
28 Oktober 2023
28 Oktober 2023
Training : Analisis Pembiayaan Syariah LC Bank Sinarmas
The Grand Mansion,
Jakarta
3 November 2023
Refreshment UKMR “Strengthen 4 Pillar Risk
The Grand Mansion, Bank Sinarmas
Management to Ward Sustainable Bank”
Jakarta
7 November 2023
Bursa Efek Indonesia
Achieving Sustainable Growth through Cohesive November 7, 2023
Indonesian Stock
Collaboration Hotel Fairmont,
Exchange
Jakarta
17 November 2023
Analisis Pembiayaan November 17, 2023
Bank Sinarmas
Financing Analysis Oakwood Hotel,
Surabaya
24 November 2023
Training Analisis Pembiayaan Syariah
November 24, 2023 Bank Sinarmas
Training: Sharia Financing Analysis
Hotel Novotel, Jakarta
25 November 2023
Training Sharia Banking (Implementasi Akad Pada
November 25, 2023 Bank Sinarmas
Produk Pembiayaan Syariah)
Hotel Novotel, Jakarta
11 Desember 2023
Business Plan Workshop December 11, 2023 Bank Sinarmas
Roxy Square
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
14 Januari 2023
Talindo Edukasi
Training Treasury Level Advance January 14, 2023
Mandiri
Online Training
21 Januari 2023
January 21, 2023 Talindo Edukasi
Training Treasury Level Advance
Tanamera, Pasific Mandiri
Place, Jakarta
24 Januari 2023
January 24, 2023 Learning Center
One Xcellence: I Can’t, but We Can
Merllyn Park Hotel, Bank Sinarmas
Jakarta
11 Februari 2023
Talindo Edukasi
Training Treasury Level Advance February 11, 2023
Mandiri
Online Training
Sosialisasi Market Code of Conduct (Brown Book) 1 Maret 2023
Edisi 4 March 1, 2023
Bank Indonesia
Dissemination of Market Code of Conduct (Brown Grand Hyatt Hotel,
Book) 4th Edition Jakarta
4 Maret 2023
Talindo Edukasi
Training Treasury Level Advance March 4, 2023
Mandiri
Online Training
14 Maret 2023
Tea Connect Tuesday Coffee - Efforts to Retain and
March 14, 2023 Sinar Mas Multiartha
Grow Employees in Suporting Business Sustainability
MSIG Tower Lt. 10
18 Maret 2023
March 18, 2023 Learning Center
Synergy for Sustainable Performance
DoubleTree Hotel by Bank Sinarmas
Direktur Lending & Hilton, Jakarta
Wholesale Banking 30 Maret 2023
Ekajaya Ongny Putra
Lending & Wholesale Town Hall Q1 March 30, 2023 Bank Sinarmas
Banking Director Roxy Square
Soft Opening Festival Ekonomi Keuangan Digital 7 Mei 2023
Indonesia (FEKDI) 2023 “Synergy and Innovation of May 7, 2023 Bank Indonesia
Digital Economy: Fostering Growth” JCC Senayan, Jakarta
29 Mei 2023
Sosialisasi Transaksi Repo May 29, 2023
Bank Indonesia
Dissemination of Repo Transaction Hotel Kempinski,
Indonesia
17 Juli 2023
Townhall Q2 dengan Tema “The Winner of Change” July 17, 2023 Bank Sinarmas
Pastis, Jakarta
10 Agustus 2023
Undangan Diskusi COFITT August 10, 2023
Perbanas
COFITT Dissucssion Invitation Bank Artha Graha
International Lt. 32
12 September 2023
September 12, 2023
Workshop SMMA LEAP Top Leaders Kickoff Sinar Mas Multiartha
The Grand Mansion,
Jakarta
5 Oktober 2023
3 November 2023
Workshop SMMA “Progressing Initiatives and
October 5, 2023 Sinar Mas Multiartha
Measuring Impact”
November 3, 2023
Tower 2 Lt. 39
3 November 2023
Refreshment UKMR “Strengthen 4 Pillar Risk November 3, 2023
Bank Sinarmas
Management to Ward Sustainable Bank” The Grand Mansion,
Jakarta
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 258
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
17-20 Januari 2023
Uji Kompetensi Manajemen Risiko Level 5 Gagas Prima Solusi
January 17-20, 2023
Risk Management Competency Test Level 5 (GPS)
Online Training
1 Maret 2023
Sosialisasi Survei Customer Satisfaction and Duty Officer
March 1, 2023
Dissemination of Customer Satisfaction and Duty BSIM-KANWIL 5
Kantor Cabang
Officer Survey
Thamrin
24 Maret 2023
Sosialisasi Survey Satisfaction and Duty Officer
March 24, 2023 BSIM-Service Quality
Dissemination of Satisfaction and Duty Officer Survey
Online Training
Sosialisasi Prissa Chatbot & WhatsApp Bank Sinarmas
serta Pelaksanaan Customer Satisfaction Survey 5 Mei 2023
Dissemination of Prissa Chatbot & WhatsApp May 5, 2023 BSIM-Service Quality
Bank Sinarmas and Implementation of Customer Online Training
Satisfaction Survey
Direktur Operations & Sosialisasi Prissa Chatbot & WhatsApp Bank Sinarmas
Data Analytics serta Pelaksanaan Customer Satisfaction Survey 15 Juni 2023
Enny Kamal
Operations & Dissemination of Prissa Chatbot & WhatsApp June 15, 2023 BSIM-Service Quality
Data Analytics Director Bank Sinarmas and Implementation of Customer Online Training
Satisfaction Survey
13 Juli 2023
Elevating Business Together: Synergy Operations and Learning Center
July 13, 2023
Support Units Bank Sinarmas
Ruang Irian Lt. 9
17 Juli 2023
Learning Center
Townhall Q2 dengan Tema “The Winner of Change” July 17, 2023
Bank Sinarmas
Pastis Pool Bar, Jakarta
25-27 Agustus 2023
Secure IT Architecture and Your Business with August 25-27, 2023 BSIM-IT & Digital
Advanced Security Solutions Ruang Arjuna, Nusa Experience
Dua Bali
3 November 2023
UKMR Refreshment - Strengthen 4 Pillar Risk November 3, 2023 Learning Center
Management Toward Sustainable Bank The Grand Mansion, Bank Sinarmas
Jakarta
24 Januari 2023
January 24, 2023 Learning Center
One Xcellence: I Can’t, but We Can
Merllyn Park Hotel, Bank Sinarmas
Jakarta
17-20 Januari 2023
Uji Kompetensi Manajemen Risiko Level 5 Gagas Prima Solusi
January 17-20, 2023
Risk Management Competency Test Level 5 (GPS)
Online Training
Direktur Information
Technology & 30 Januari 2023
Brainmatics Cipta
Digital Experience Cobit 2019 Foundation January 30, 2023
Informatika
Sendy Information Online Training
Technology & 1 Februari 2023
Digital Experience Brainmatics Cipta
Cobit 2019 Foundation February 1, 2023
Director Informatika
Online Training
3 Februari 2023
Brainmatics Cipta
Cobit 2019 Foundation February 3, 2023
Informatika
Online Training
6 Februari 2023
Brainmatics Cipta
Cobit 2019 Foundation February 6, 2023
Informatika
Online Training
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Position Competency Developoment Material Place/Date Organizer
8 Februari 2023
Brainmatics Cipta
Cobit 2019 Foundation February 8, 2023
Informatika
Online Training
10 Februari 2023
Brainmatics Cipta
Cobit 2019 Foundation February 10, 2023
Informatika
Online Training
2 Maret 2023
Data Freshman Camp Batch 1 - Modul Banking Learning Center
March 2, 2023
Sharia Bank Sinarmas
KPNO
13 Juli 2023
Elevating Business Together: Synergy Operations and Learning Center
July 13, 2023
Support Units Bank Sinarmas
Ruang Irian Lt. 9
17 Juli 2023
Learning Center
Townhall Q2 dengan Tema “The Winner of Change” July 17, 2023
Direktur Information Bank Sinarmas
Pastis Pool Bar, Jakarta
Technology &
Digital Experience 1 Agustus 2023
Sendy Information Implementation Personal Data Protection in August 1, 2023 IGNITE (Pijar Edukasi
Technology & Developing Digital Services Roxy Square - Ruang Teknologi)
Digital Experience Irian
Director 25-27 Agustus 2023
Secure IT Architecture and Your Business with August 25-27, 2023 BSIM-IT & Digital
Advanced Security Solutions Ruang Arjuna, Nusa Experience
Dua Bali
Efektivitas Digital Maturity Assessment dalam 28 Agustus 2023 Forum Komunikasi
Mengukur Kematangan Transformasi Digital August 28, 2023 Direktur Kepatuhan
Perbankan Online Training Perbankan - FKDKP
3 November 2023
UKMR Refreshment - Strengthen 4 Pillar Risk November 3, 2023 Learning Center
Management Toward Sustainable Bank The Grand Mansion, Bank Sinarmas
Jakarta
HCM dengan vendor
3 November 2023
Strengthen 4 Pillar Risk Management Toward Maisa Edukasi
November 3, 2023
Sustainable Bank HCM with vendor
The Grand Mansion
Maisa Edukasi
Penilaian Komite di Bawah Direksi Assessment of Committees under the
Board of Directors
Pelaksanaan, Prosedur, dan Kriteria Penilaian Implementation, Procedure, and Criteria of
Assessment
Direksi senantiasa melakukan penilaian terhadap kinerja kepada The Board of Directors consistently assesses the performance of
organ pendukungnya, yakni Komite Manajemen Risiko, ALCO, its supporting organs, namely Risk Management Committee,
Komite Kredit/Pembiayaan, Komite Human Capital, Komite ALCO, Credit/Financing Committee, Human Capital Committee,
Information Technology, dan Komite Manajemen Risiko Terintegrasi. Information Technology Committee, and Integrated Risk
Kriteria yang digunakan dalam penilaian tersebut, yakni: Management Committee. The assessment criteria are as follows:
1. Pelaksanaan tugas dan tanggung jawab selama tahun 2023; 1. Performance of duties and responsibilities in 2023;
2. Rekomendasi yang diberikan; dan 2. Recommendations provided; and
3. Tingkat kehadiran dalam masing-masing rapat komite. 3. Attendance rate in each committee meeting.
Hasil Penilaian Assessment Results
Berdasarkan hasil penilaian di tahun 2023, Direksi menyatakan Based on the assessment results in 2023, the Board of Directors
bahwa komite-komite telah menjalankan tugas dan tanggung stated that the committees have performed their duties and
jawabnya dengan baik dan telah berkontribusi dalam mendukung responsibilities well and have contributed to supporting
pelaksanaan tugas dan tanggung jawab Direksi. the implementation of the Board of Directors’ duties and
responsibilities.
2023 Annual and Sustainability Report
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Transparansi Informasi tentang Dewan Komisaris dan Direksi
Transparency of Information about the Board of Commissioners and
the Board of Directors
Penilaian Kinerja Dewan Komisaris dan Direksi Performance Assessment of the Board of
Commissioners and the Board of Directors
Prosedur Penilaian Kinerja Performance Assessment Procedures
Penilaian kinerja Dewan Komisaris dan Direksi secara kolegial The performance assessment of the Board of Commissioners
dilakukan sebagai bagian dari self-assessment GCG. Penilaian and the Board of Directors is conducted collegially as part of the
tersebut dilakukan secara periodik setiap semester, yaitu posisi GCG self-assessment. This assessment is carried out periodically
penilaian bulan Juni dan Desember pada tahun berjalan, dengan every semester, namely in June and December of each year,
melibatkan Dewan Komisaris, Pihak Independen, Direksi, Pejabat involving the Board of Commissioners, Independent Parties, the
Eksekutif dan fungsi-fungsi independen, yang dikoordinasi oleh Board of Directors, Executive Officers, and independent functions,
Satuan Kerja kepatuhan. coordinated by the Compliance Work Unit.w
Sementara itu, penilaian kinerja Dewan Komisaris secara individu Meanwhile, individual performance assessment of the Board of
dilakukan setiap tahun oleh Komisaris Utama berdasarkan tolak ukur Commissioners is conducted annually by the Chairman of the
yang telah disepakati oleh masing-masing anggota Dewan Komisaris. Board based on agreed-upon benchmarks by each member of the
Penilaian kinerja Direksi secara individu dilakukan oleh Dewan Board of Commissioners. Individual performance assessment of
Komisaris dengan melibatkan Komite Remunerasi dan Nominasi. the Board of Directors is conducted by the Board of Commissioners
involving the Remuneration and Nomination Committee.
Dasar/Kriteria Penilaian Kinerja Performance Assessment Basis/Criteria
Penilaian kinerja Dewan Komisaris dilakukan dengan Assessment of the Board of Commissioners performance is carried
mempertimbangkan beberapa hal, seperti: out by considering a number of components, such as:
1. Struktur dan komposisi Dewan Komisaris; 1. Structure and composition of the Board of Commissioners;
2. Efektivitas pelaksanaan program kerja komite-komite di 2. Effectiveness of work program implementation of committees
bawah Dewan Komisaris; under the Board of Commissioners;
3. Pengawasan pelaksanaan strategi dan pengelolaan 3. Supervision of the company’s strategy and management
perusahaan; implementation;
4. Penerapan tata kelola perusahaan yang baik; dan 4. Implementation of good corporate governance; and
5. Penerapan manajemen risiko dan pengendalian internal 5. Implementation of risk management and internal control in
dalam menghadapi potensi risiko. addressing potential risks.
Sementara itu, penilaian kinerja Direksi dilakukan dengan Meanwhile, performance assessment of the Board of Directors is
memperhatikan beberapa aspek, yakni: carried out by considering several components, namely:
1. Penetapan target Bank; 1. Establishment of the Bank’s targets;
2. Penyusunan strategi dan rencana bisnis Bank ke depannya; 2. Formulation of the Bank’s future strategies and business plans;
3. Implementasi strategi pengelolaan Bank; 3. Implementation of strategies of the Bank management;
4. Penerapan kebijakan pengendalian internal dan manajemen 4. Implementation of internal control policies and risk
risiko. management.
Hasil Penilaian Kinerja Performance Assessment Results
Hasil self-assessment GCG Dewan Komisaris dan Direksi tahun 2023 The GCG self-assessment results of the Board of Commissioners
menunjukkan nilai komposit 2 atau “Baik”. Hasil evaluasi kinerja and the Board of Directors in 2023 indicated a composite score
terhadap Dewan Komisaris dan Direksi kemudian disampaikan kepada of 2, or “Good”. The performance assessment results for the
Pemegang Saham melalui mekanisme RUPS dalam bentuk Laporan Board of Commissioners and Directors are then communicated
Tugas Pengawasan Dewan Komisaris dan Laporan Direksi Bank. to the Shareholders through the GMS mechanism in the form of
Laporan-laporan tersebut selanjutnya menjadi dasar pertimbangan the Supervisory Task Report of the Board of Commissioners and
Komite Remunerasi dan Nominasi dalam memberikan rekomendasi the Bank’s Board of Directors’ Reports. These reports subsequently
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
kepada Dewan Komisaris untuk mengangkat kembali anggota serve as the basis for consideration by the Remuneration and
Dewan Komisaris dan Direksi serta sebagai bahan pertimbangan Nomination Committee in making recommendations to the Board
untuk menyusun struktur remunerasi. of Commissioners for the reappointment of members of the
Board of Commissioners and the Board of Directors, as well as for
consideration in structuring remuneration.
Pelaksanaan Rapat Dewan Komisaris dan Direksi Implementation of Meeting of the Board of
Commissioners and the Board of Directors
Rapat Dewan Komisaris Board of Commissioners’ Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun Based on Financial Services Authority Regulation No.17 of 2023
2023 tentang Penerapan Tata Kelola bagi Bank Umum, Dewan on the Implementation of Governance for Commercial Banks, the
Komisaris wajib menyelenggarakan rapat internal paling sedikit 1 Board of Commissioners must organize internal meeting at least
kali dalam 2 bulan. Namun, rapat tersebut dapat dilangsungkan once in two months. However, the meeting can proceed if attended
apabila dihadiri mayoritas dari seluruh anggota Dewan Komisaris. by a majority of all members of the Board of Commissioners. In
Selain itu, Dewan Komisaris wajib mengadakan rapat bersama addition, the Board of Commissioners is obliged to hold joint
Direksi secara berkala setidaknya 1 kali dalam 4 bulan. Pada tahun meetings with the Board of Directors regularly at least once every
2023, Dewan Komisaris telah menyelenggarakan sebanyak 6 kali four months. In 2023, the Board of Commissioners held a total of
rapat internal dan 9 kali rapat gabungan bersama Direksi, dengan 6 internal meetings and 9 joint meetings with the Directors, with
tingkat kehadiran sebagai berikut. the attendance rate as follows.
Rapat Internal Dewan Komisaris Rapat Gabungan dengan Direksi
RUPS
Board of Commissioners Internal Joint Meeting with
GMS
Meeting Board of Directors
Nama Jabatan
Tingkat Tingkat Tingkat
Name Position Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
Attendance Attendance Attendance
Number of Number of Number of Number of Number of Number of
Rate Rate Rate
Meeting Attendance Meeting Attendance Meeting Attendance
(%) (%) (%)
Komisaris
Tjendrawati Utama
6 6 100,00 9 8 88,89 1 1 100,00
Widjaja President
Commissioner
Komisaris
Sammy Independen
6 6 100,00 9 9 100,00 1 1 100,00
Kristamuljana Independent
Commissioner
Komisaris
Independen
Rusmin 6 6 100,00 9 8 88,89 1 1 100,00
Independent
Commissioner
Informasi mengenai pelaksanaan rapat Dewan Komisaris, mulai Information regarding the implementation of Board of
dari tanggal, peserta, dan agenda diungkapkan pada tabel berikut. Commissioners’ meetings including the date, participants, and
agenda is disclosed in the following table.
Tanggal Peserta Agenda
Date Participants Agenda
12 Januari 2023 1. Tjendrawati Widjaja 1. Hasil Pengawasan Dewan Pengawas Syariah 1. Results of supervision of the Sharia Supervisory
January 12, 2023 2. Sammy Kristamuljana (DPS) Tahun 2022 Board (DPS) in 2022
3. Rusmin 2. Business Intelligence 2022 dan Action Plan 2023 2. Business Intelligence 2022 dan Action Plan 2023
3. Payment and Transaction 3. Payment and Transaction
14 Februari 2023 1. Tjendrawati Widjaja 1. Business Intelligence 1. Business Intelligence
February 14, 2023 2. Sammy Kristamuljana 2. Financial Performance & Management 2. Financial Performance & Management
3. Rusmin 3. Corporate Banking 3. Corporate Banking
4. Human Capital 4. Human Capital
5. Tindak Lanjut Temuan Satuan Kerja Audit 5. Follow-up on Findings from the Internal Audit
Internal (SKAI) Work Unit (IAU).
6. Profil Risiko Bank & UUS Posisi 31 Desember 2022 6. Bank & the Sharia Business Unit (UUS) Risk
Profile as of December 31, 2022.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tanggal Peserta Agenda
Date Participants Agenda
13 Juni 2023 1. Tjendrawati Widjaja 1. QRIS Bank Sinarmas 1. QRIS of Bank Sinarmas
June 13, 2023 2. Sammy Kristamuljana 2. Kesiapan IT Security menghadapi Cyber Attack 2. Readiness of IT Security in dealing with Cyber
3. Rusmin Attack
20 Juni 2023 1. Tjendrawati Widjaja 1. Tindak Lanjut Temuan Satuan Kerja Audit 1. Follow-up on Findings from the Internal Audit
June 20, 2023 2. Sammy Kristamuljana Internal (SKAI) Work Unit (IAU).
3. Rusmin 2. Profil Risiko Bank & UUS Posisi 31 Maret 2023 2. The Bank & the Sharia Business Unit (UUS) Risk
Profile as of 31 March 2023.
3. Kinerja Keuangan periode Maret 2023 3. Financial Performance for the period of March
2023.
4. Laporan Penerapan Strategi Anti-Fraud Periode 4. Report on the Implementation of Anti-Fraud
Triwulan IV/2022 dan I/2023 Strategy for the Fourth Quarter of 2022 and the
First Quarter of 2023.
28 Agustus 2023 1. Tjendrawati Widjaja 1. Remunerasi 1. Remuneration
August 28, 2023 2. Sammy Kristamuljana 2. Tindak Lanjut Temuan Satuan Kerja Audit 2. Follow-up on Findings from the Internal Audit
3. Rusmin Internal (SKAI) Work Unit (IAU)
3. Profil Risiko Bank & UUS Posisi 31 Maret 2023 3. Bank & Sharia Business Unit Risk Profile as of
31 March 2023
13 November 2023 1. Tjendrawati Widjaja 1. Remunerasi 1. Remuneration
November 13, 2023 2. Sammy Kristamuljana 2. Tindak Lanjut Temuan Satuan Kerja Audit 2. Follow-up on Findings from the Internal Audit
3. Rusmin Internal (SKAI) Work Unit (IAU)
3. Profil Risiko Bank & UUS Posisi 30 September 2023 3. The Bank & Sharia Business Unit Risk Profile as
of September 30, 2023
Rapat Direksi Board of Directors’ Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun Based on Financial Services Authority Regulation No.17 of 2023
2023 tentang Penerapan Tata Kelola bagi Bank Umum, Direksi on the Implementation of Governance for Commercial Banks,
wajib menyelenggarakan rapat internal paling sedikit 1 kali dalam the Board of Directors must organize internal meeting at least
setiap bulan, serta rapat bersama Dewan Komisaris setidaknya 1 once every month, and organize joint meeting with the Board
kali dalam 4 bulan. Direksi wajib menghadiri kedua rapat tersebut. of Commissioners at least once in four months. The Board of
Apabila berhalangan hadir, maka wajib memberitahukan kepada Directors must attend both meetings. If unable to attend, it is
Direksi lainnya/Corporate Secretary. Pada tahun 2023, Direksi telah mandatory to inform other Directors/Corporate Secretary. In
menyelenggarakan sebanyak 22 kali rapat internal dan 9 kali rapat 2023, the Board of Directors held a total of 22 internal meetings
gabungan bersama Dewan Komisaris, dengan tingkat kehadiran and 9 joint meetings with the Board of Commissioners, with the
sebagai berikut. attendance rate as follows.
Rapat Gabungan dengan Dewan
Rapat Internal Direksi Komisaris RUPS
Board of Directors Internal Meeting Joint Meeting with the Board of GMS
Commissioners
Nama Jabatan
Name Position Tingkat Tingkat Tingkat
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
Attendance Attendance Attendance
Number of Number of Number of Number of Number of Number of
Rate Rate Rate
Meeting Attendance Meeting Attendance Meeting Attendance
(%) (%) (%)
Direktur
Frenky Utama
22 19 86,36 9 7 77,78 1 1 100,00
Tirtowijoyo President
Director
Direktur
Halim Syariah 22 19 86,36 9 7 77,78 1 1 100,00
Sharia Director
Direktur
Compliance
and Risk
Hanafi Management
22 22 100,00 9 9 100,00 1 1 100,00
Himawan Compliance
and Risk
Management
Director
Laporan Tahunan dan Keberlanjutan 2023
260 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Rapat Gabungan dengan Dewan
Rapat Internal Direksi Komisaris RUPS
Board of Directors Internal Meeting Joint Meeting with the Board of GMS
Commissioners
Nama Jabatan
Name Position Tingkat Tingkat Tingkat
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
Attendance Attendance Attendance
Number of Number of Number of Number of Number of Number of
Rate Rate Rate
Meeting Attendance Meeting Attendance Meeting Attendance
(%) (%) (%)
Direktur Sharia
Financing
Soejanto
Sharia 22 21 95,45 9 9 100,00 1 1 100,00
Soetjijo
Financing
Director
Direktur Retail
Banking
Miko
Sharia 22 21 95,45 9 6 66,67 1 1 100,00
Andidjaja
Financing
Director
Direktur Sharia
Uzan Optimization
22 22 100,00 9 9 100,00 1 1 100,00
Tedjamulia Retail Banking
Director
Direktur
Lending &
Wholesale
Ekajaya Banking
22 19 86,36 9 8 88,89 1 1 100,00
Ongny Putra Lending &
Wholesale
Banking
Director
Direktur
Operations &
Data Analytics
Enny Kamal*) 11 10 90,91 3 3 100,00 - - -
Operations &
Data Analytics
Director
Direktur
Information
Technology &
Digital
Experience
Sendy*) 11 10 90,91 3 2 66,67 - - -
Information
Technology &
Digital
Experience
Director
*)
Efektif menjabat sebagai Direktur Bank sejak 11 Juli 2023. / Effectively serving as the Bank Director since July 11, 2023.
Informasi mengenai pelaksanaan rapat Direksi, mulai dari tanggal, Information related to the implementation of the Board of
peserta, dan agenda diungkapkan pada tabel berikut. Directors meetings, including date, participants, and agenda is
disclosed as follows.
Tanggal Peserta Agenda
Date Participants Agenda
12 Januari 2023 1. Frenky Tirtowijoyo 1. Progress Persiapan BUS 1. Preparation for the Sharia Commercial Bank (BUS)
January 12, 2023 2. Soejanto Soetjijo 2. Performance Corporate Banking Business 2. Performance Corporate Banking Business
3. Halim 3. Performance Treasury 2022 dan Action Plan 2023 3. Performance Treasury 2022 dan Action Plan 2023
4. Hanafi Himawan 4. Audit Plan 2023 4. Audit Plan 2023
5. Miko Andidjaja 5. Digital Initiative Project 5. Digital Initiative Project
6. Uzan Tedjamulia 6. Arahan Manajemen 2023 6. Management Direction 2023
7. Ekajaya Ongny Putra
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PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tanggal Peserta Agenda
Date Participants Agenda
26 Januari 2023 1. Frenky Tirtowijoyo 1. Performance Corporate Banking Business 1. Performance Corporate Banking Business
2. Soejanto Soetjijo 2. Performance Commercial Business Banking 2. Performance Commercial Business Banking
3. Halim 3. Sales & Distribution Performance 3. Sales & Distribution Performance
4. Hanafi Himawan 4. CRM Mobile Application 4. CRM Mobile Application
5. Miko Andidjaja 5. Pembahasan Lain 5. Other Discussions
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
2 Februari 2023 1. Frenky Tirtowijoyo 1. Project Mercer 1. Project Mercer
2. Soejanto Soetjijo 2. Persiapan Spin Off BUS 2. Preparation for the Sharia Commercial Bank
3. Miko Andidjaja 3. Kinerja MSME (BUS) Spin Off
4. Hanafi Himawan 3. MSME Performance
5. Uzan Tedjamulia 4. Kinerja Deposit & Investment Product 4. Deposit & Investment Product Development
6. Ekajaya Ongny Putra Development Performance
5. Customer Relationship Management & Data 5. Customer Relationship Management & Data
Analytic Analytic
9 Februari 2023 1. Frenky Tirtowijoyo 1. Risk Driven Operation Improvement – Early 1. Risk Driven Operation Improvement – Early
2. Halim Warning Dashboard Project Warning Dashboard Project
3. Hanafi Himawan 2. Pemasaran Produk KUK 2. Pemasaran Produk KUK
4. Soejanto Soetjijo 3. Kinerja Card Center 3. Kinerja Card Center
5. Miko Andidjaja 4. Digital Loan 4. Digital Loan
6. Uzan Tedjamulia 5. Pembahasan Lain-Lain 5. Other Discussions
7. Ekajaya Ongny Putra
2 Maret 2023 1. Frenky Tirtowijoyo 1. IT Strategic Project 1. IT Strategic Project
2. Hanafi Himawan 2. Bank Kustodian dan Wali Amanat 2. Custodian Bank and Trustee
3. Soejanto Soetjijo 3. Payment & Transaction Bank 3. Payment & Transaction Bank
4. Miko Andidjaja 4. Profitability Mikro – Simas KUK 4. Profitability Mikro – Simas KUK
5. Uzan Tedjamulia
6. Ekajaya Ongny Putra
9 Maret 2023 1. Frenky Tirtowijoyo 1. KPR 1. Mortgage
2. Halim 2. Project Breakable Time Deposit 2. Project Breakable Time Deposit
3. Hanafi Himawan 3. Retail Bond 3. Retail Bond
4. Soejanto Soetjijo 4. Channeling & Joint Financing 4. Channeling & Joint Financing
5. Miko Andidjaja 5. Pembahasan Lain-Lain 5. Other Discussions
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
30 Maret 2023 1. Frenky Tirtowijoyo 1. Devisa Hasil Ekspor Sumber Daya Alam 1. Foreign Exchange from Natural Resource Exports
2. Halim 2. Data Management & Governance 2. Data Management & Governance
3. Hanafi Himawan 3. Priority IT Project: Payment & Transaction 3. Priority IT Project: Payment & Transaction Project
4. Miko Andidjaja Project Strategic Strategic
5. Soejanto Soetjijo
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
4 Mei 2023 1. Frenky Tirtowijoyo 1. Kinerja Corporate Business Solution 1. Corporate Business Solution Performance
2. Halim 2. Penilaian Tingkat Kesehatan Bank 2. The Bank Soundness Level Assessment
3. Hanafi Himawan 3. Metodologi Core Fund 3. Core Fund Methodology
4. Soejanto Soetjijo 4. Fraud Kantor Cabang Kelapa Gading 4. Fraud at Kelapa Gading Branch Office
5. Miko Andidjaja
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
11 Mei 2023 1. Hanafi Himawan 1. Kinerja Digital Sales & Marketing 1. Digital Sales & Marketing Performance
2. Soejanto Soetjijo 2. Kinerja Bisnis MSME 2. MSME Performance
3. Uzan Tedjamulia
4. Ekajaya Ongny Putra
15 Juni 2023 1. Halim 1. Progress Update Persiapan Bank Umum Syariah 1. Progress Update Persiapan Bank Umum Syariah
2. Hanafi Himawan 2. Kinerja Agent Banking 2. Agent Banking Performance
3. Soejanto Soetjijo 3. Kinerja Card Center 3. Card Center Performance
4. Miko Andidjaja
5. Uzan Tedjamulia
6 Juli 2023 1. Frenky Tirtowijoyo 1. [BSIM-Risk Driven Operation Improvement]- 1. [BSIM-Risk Driven Operation Improvement:
2. Halim Pemaparan Hasil Backtesting Presentation of Backtesting Results
3. Hanafi Himawan 2. Proyek Campaign Management System 2. Campaign Management System Project
4. Soejanto Soetjijo 3. Program KTA Payroll 3. Payroll Personal Loan (KTA) Program
5. Miko Andidjaja
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Tanggal Peserta Agenda
Date Participants Agenda
13 Juli 2023 1. Frenky Tirtowijoyo 1. Progress Persiapan Bank Umum Syariah 1. Progress Update on Sharia Commercial Bank
2. Halim Preparation
3. Hanafi Himawan 2. Metodologi Perhitungan ATMR untuk 2. ATMR Calculation Methodology for Credit
4. Soejanto Soetjijo Risiko Kredit dan Risiko Operasional dengan Risk and Operational Risk Using the Standard
5. Miko Andidjaja Menggunakan Pendekatan Standar Bagi Bank Approach for Commercial Banks
6. Uzan Tedjamulia Umum
7. Ekajaya Ongny Putra 3. Kinerja Program Produk Deposit & Investment 3. Performance of Deposit & Investment Product
8. Enny Kamal Programs
9. Sendy 4. Program KPR Teman Bukan Beban 4. ‘Teman Bukan Beban’ Mortgage Program
5. Unified Registration 5. Unified Registration
6. Revamp Simobi+ 6. Revamp Simobi+
3 Agustus 2023 1. Frenky Tirtowijoyo 1. Kinerja Bisnis MSME 1. MSME Bussiness Performance
2. Halim 2. Rencana Kerja SAMA dengan Nanovest 2. Cooperation Plan with Nanovest
3. Hanafi Himawan 3. Enterprise Data Governance 3. Enterprise Data Governance
4. Soejanto Soetjijo
5. Miko Andidjaja
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
8. Enny Kamal
9. Sendy
24 Agustus 2023 1. Frenky Tirtowijoyo 1. Kinerja Bisnis Corporate Banking Solution 1. Corporate Banking Solution Business
2. Halim 2. Kinerja Bisnis Treasury Performance
3. Hanafi Himawan 3. SimobiPlus 2. Treasury Business Performance
4. Soejanto Soetjijo 4. Proyeksi Keuangan Bank Periode Juli 2023 3. SimobiPlus
5. Miko Andidjaja 5. Pembahasan Lain-Lain 4. Financial Projection of the Bank for the Period of
6. Uzan Tedjamulia July 2023
7. Ekajaya Ongny Putra 5. Other Discussions
8. Enny Kamal
9. Sendy
31 Agustus 2023 1. Frenky Tirtowijoyo 1. Progress Update Persiapan Efektif Operasional 1. Progress Update on the Effective Operational
2. Halim Bank Nano Syariah Preparation of Bank Nano Syariah
3. Hanafi Himawan 2. ITSC & Product Workshop 2. ITSC & Product Workshop
4. Uzan Tedjamulia 3. Pembahasan Lain-Lain 5. Other Discussions
5. Sendy
6. Miko Andidjaja
14 September 2023 1. Frenky Tirtowijoyo 1. Kinerja Digital Marketing 1. Digital Marketing Performance
2. Halim 2. Kinerja Bisnis Deposit & Investment Product 2. Bisnis Deposit & Investment Product Performance
3. Hanafi Himawan 3. Kinerja Card Center 3. Card Center Performance
4. Soejanto Soetjijo
5. Miko Andidjaja
6. Uzan Tedjamulia
7. Sendy
8. Enny Kamal
5 Oktober 2023 1. Frenky Tirtowijoyo 1. Persiapan Operasional Bank Nano 1. Preparation for the operational of Bank Nano
2. Halim 2. Kinerja Indirect Channel & Collateral Valuation 2. Indirect Channel & Collateral Valuation
3. Hanafi Himawan Performance
4. Soejanto Soetjijo 3. Fraud Enterprise System Anti-Fraud – Predator 3. Fraud Enterprise System Anti-Fraud – Predator
5. Miko Andidjaja 4. Update Temuan Pemeriksaan Otoritas Jasa 4. Update on Financial Services Authority Audit
6. Uzan Tedjamulia Keuangan Findings
7. Ekajaya Ongny Putra
8. Enny Kamal
9. Sendy
12 Oktober 2023 1. Frenky Tirtowijoyo 1. Kinerja Credit Administration & Control 1. Kinerja Credit Administration & Control
2. Halim Performance
3. Hanafi Himawan 2. Kinerja Business Consumer & Digital Loan 2. Kinerja Business Consumer & Digital Loan
4. Soejanto Soetjijo Performance
5. Miko Andidjaja
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
8. Enny Kamal
9. Sendy
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tanggal Peserta Agenda
Date Participants Agenda
26 Oktober 2023 1. Frenky Tirtowijoyo 1. Data Flow Management 1. Data Flow Management
2. Halim 2. Kinerja Micro & Small Medium Enterprise 2. Micro & Small Medium Enterprise Performance
3. Hanafi Himawan 3. Lain-Lain 3. Etc.
4. Soejanto Soetjijo
5. Miko Andidjaja
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
8. Sendy
9. Enny Kama
23 November 2023 1. Frenky Tirtowijoyo Pembahasan Rencana Bisnis Bank 2024 Discussion of the Bank’s Business Plan 2024
2. Halim
3. Hanafi Himawan
4. Soejanto Soetjijo
5. Miko Andidjaja
6. Uzan tedjamulia
7. Ekajaya Ongny Putra
8. Sendy
9. Enny Kamal
29 November 2023 1. Frenky Tirtowijoyo Pembahasan Rencana Bisnis Bank 2024 Discussion of the Bank’s Business Plan 2024
2. Halim
3. Hanafi Himawan
4. Soejanto Soetjijo
5. Miko Andidjaja
6. Uzan Tedjamulia
7. Ekajaya Ongny Putra
8. Enny Kamal
14 Desember 2023 1. Halim Initiative 2024 (Quantum Leap 2024) 2024 Initiative (Quantum Leap 2024)
2. Hanafi Himawan
3. Soejanto Soetjijo
4. Miko Andidjaja
5. Uzan Tedjamulia
6. Ekajaya Ongny Putra
7. Enny Kamal
8. Sendy
Informasi mengenai pelaksanaan rapat Direksi bersama Dewan Information related to the implementation of joint meetings of
Komisaris, mulai dari tanggal, peserta, dan agenda diungkapkan the Board of Directors with the Board of Commissioners, including
pada tabel berikut. date, participants, and agenda is disclosed as follows.
Tanggal Peserta Agenda
Date Participants Agenda
19 Januari 2023 1. Sammy Kristamuljana 1. Kinerja Unit Usaha Syariah 1. Sharia Business Unit Performance
2. Rusmin 2. Update Kinerja Loan Recovery 2. Update of Loan Recovery Performance
3. Frenky Tirtowijoyo 3. Compliance Update
4. Halim 4. Financial Performance December 2022
5. Soejanto Soetjijo
6. Miko Andidjaja
7. Uzan Tedjamulia
8. Ekajaya Ongny Putra
9. Hanafi Himawan
16 Februari 2023 1. Tjendrawati Widjaja 1. Deklarasi Anti-Fraud 1. Anti-Fraud Declaration
2. Sammy Kristamuljana 2. Progress Persiapan Spin Off BUS 2. Progress Persiapan Spin Off BUS
3. Rusmin 3. Kinerja Bisnis Unit Usaha Syariah 3. Kinerja Bisnis Unit Usaha Syariah
4. Frenky Tirtowijoyo 4. Penanganan Kredit Bermasalah 4. Penanganan Kredit Bermasalah
5. Halim 5. Compliance Update 5. Compliance Update
6. Soejanto Soetjijo 6. Sales Productivity 6. Sales Productivity
7. Miko Andidjaja 7. Financial Performance 7. Financial Performance
8. Hanafi Himawan
9. Uzan Tedjamulia
10. Ekajaya Ongny Putra
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Tanggal Peserta Agenda
Date Participants Agenda
16 Maret 2023 1. Tjendrawati Widjaja 1. Rencana Kerja Operation Group 1. Operation Group Work Plan
2. Sammy Kristamuljana 2. Rencana Kerja IT & Digital Experience 2. IT & Digital Experience Work Plan
3. Rusmin 3. Rencana Kerja & Update Progress Project Bank 3. Work Plan & Project Progress Update for Bank
4. Frenky Tirtowijoyo Nano Nano
5. Halim 4. Analisa & Action Plan Kantor Cabang Rugi 4. Analysis & Action Plan for Loss-Making Branch
6. Hanafi Himawan 5. Financial Performance Bank Periode Februari Offices
7. Soejanto Soetjijo Tahun 2023 5. Financial Performance Bank February Period
8. Miko Andidjaja Year 2023
9. Uzan Tedjamulia
10. Ekajaya Ongny Putra
13 April 2023 1. Tjendrawati Widjaja 1. Pemeriksaan Internal Bank 1. The Bank Internal Examination
2. Sammy Kristamuljana 2. Compliance Update 2. Compliance Update
3. Rusmin 3. Stress Testing Relaksasi Kredit Covid-19 3. Stress Testing Relaksasi Covid-19 Credit
4. Frenky Tirtowijoyo
5. Halim
6. Hanafi Himawan
7. Soejanto Soetjijo
8. Miko Andidjaja
9. Uzan Tedjamulia
10. Ekajaya Ongny Putra
25 Mei 2023 1. Tjendrawati Widjaja 1. Compliance Update 1. Compliance Update
2. Sammy Kristamuljana 2. Tingkat Kesehatan Bank 2. The Bank’s Soundness Level
3. Rusmin 3. Financial Performance 3. Financial Performance
4. Frenky Tirtowijoyo 4. KC Rugi – Syariah 4. Sharia Loss-Making Branch Office
5. Halim
6. Hanafi Himawan
7. Soejanto Soetjijo
8. Miko Andidjaja
9. Uzan Tedjamulia
10. Ekajaya Ongny Putra
22 Juni 2023 1. Tjendrawati Widjaja 1. Proyeksi Keuangan Nano Bank 1. Financial Projection of Bank Nano
2. Sammy Kristamuljana 2. Kinerja Bisnis Unit Usaha Syariah 2. Sharia Business Unit Performance
3. Rusmin 3. Compliance Update 3. Compliance Update
4. Hanafi Himawan 4. Penanganan Kredit Bermasalah 4. Handling Non-Performing Loans
5. Soejanto Soetjijo 5. Kinerja Produk Deposit & Investment 5. Deposit & Investment Products Performance
6. Ekajaya Ongny Putra 6. Kinerja Keuangan Bank 6. The Bank Financial Performance
7. Uzan Tedjamulia 7. Kantor Cabang Rugi 7. Loss-Making Branch Offices
8. Revisi Rencana Bisnis Bank 8. The Bank Business Plan Revision
20 Juli 2023 1. Tjendrawati Widjaja 1. Pemeriksaan Internal Q2 Tahun 2023 1. Internal Examination for Q2 2023
2. Sammy Kristamuljana 2. Compliance Update 2. Compliance Update
3. Rusmin 3. Penanganan Kredit Bermasalah 3. Handling Non-Performing Loans
4. Frenky Tirtowijoyo 4. Kinerja Bisnis Unit Usaha Syariah 4. Sharia Business Unit Performance
5. Halim 5. Kantor Cabang Rugi 5. Loss-Making Branch Offices
6. Hanafi Himawan 6. Kinerja Keuangan Bank 6. The Bank Financial Performance
7. Soejanto Soetjijo
8. Uzan Tedjamulia
9. Ekajaya Ongny Putra
10. Enny Kamal
11. Sendy
21 September 2023 1. Tjendrawati Widjaja 1. Persiapan Pemisahan BUS dan BUK 1. Preparation for the Separation of BUS and BUK
2. Sammy Kristamuljana 2. Bank Strategy & Brand Development 2. Bank Strategy & Brand Development
3. Rusmin 3. Kinerja SND 3. SND Performance
4. Frenky Tirtowijoyo 4. Kinerja Bank Kustodian 4. Custodian Bank Performance
5. Hanafi Himawan 5. Compliance Update 5. Compliance Update
6. Soejanto Soetjijo 6. Kinerja Keuangan Bank 6. The Bank Financial Performance
7. Uzan Tedjamulia
8. Sendy
9. Enny Kamal
16 November 2023 1. Tjendrawati Widjaja 1. Persiapan Operasional PT Bank Nano Syariah 1. Preparation of the Operational of PT Bank Nano
2. Sammy Kristamuljana Syariah
3. Hanafi Himawan 2. Quarterly Update Pemeriksaan Internal Bank 2. Quarterly Update on Internal Bank Examination
4. Halim 3. Compliance Update 3. Compliance Update
5. Soejanto Soetjijo 4. Penanganan Kredit Bermasalah 4. Handling of Non-Performing Loans
6. Miko Andidjaja 5. Kinerja Keuangan Bank Periode Oktober 2023 5. The Bank Financial Performance for the Period
7. Uzan Tedjamulia of October 2023
8. Ekajaya Ongny Putra
9. Enny Kamal
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Hubungan Afiliasi Dewan Komisaris, Direksi, Affiliate Relationship of the Board of
Pemegang Saham Utama dan/atau Pengendali Commissioners, the Board of Directors, Main
and/or Controlling Shareholders
Bank senantiasa menjaga independensi anggota Dewan Komisaris The Bank always maintains the independence of the members
dan Direksi. Komitmen ini bertujuan untuk mengurangi risiko of the Board of Commissioners and the Board of Directors. This
benturan kepentingan, memastikan pelaksanaan tugas dan commitment aims to reduce the risk of conflicts of interest, ensure
tanggung jawab dilakukan secara mandiri dan kritis, termasuk that duties and responsibilities are carried out independently and
terhadap Pemegang Saham Pengendali. critically, including towards Controlling Shareholders.
Hubungan Afiliasi Dewan Komisaris
Affiliation of the Board of Commissioners
Hubungan Keluarga dengan Hubungan Keuangan dengan
Family Relationship with Financial Relationship with
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Nama Jabatan Komisaris Komisaris
Board of Pengendali Board of Pengendali
Name Position Board of Board of
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Tjendrawati Komisaris Utama
- √ - √ - √ - √ - √ - √
Widjaja President Commissioner
Komisaris Independen
Sammy
Independent - √ - √ - √ - √ - √ - √
Kristamuljana
Commissioner
Komisaris Independen
Rusmin Independent - √ - √ - √ - √ - √ - √
Commissioner
Hubungan Afiliasi Direksi
Affiliation of the Board of Directors
Hubungan Keluarga dengan Hubungan Keuangan dengan
Family Relationship with Financial Relationship with
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Nama Jabatan Komisaris Komisaris
Board of Pengendali Board of Pengendali
Name Position Board of Board of
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Frenky Direktur Utama
- √ - √ - √ - √ - √ - √
Tirtowijoyo President Director
Direktur Syariah
Halim - √ - √ - √ - √ - √ - √
Sharia Director
Direktur Compliance
Hanafi and Risk Management
- √ - √ - √ - √ - √ - √
Himawan Compliance and Risk
Management Director
Soejanto Direktur Sharia Financing
- √ - √ - √ - √ - √ - √
Soetjijo Sharia Financing Director
Direktur Retail Banking
Miko Andidjaja - √ - √ - √ - √ - √ - √
Sharia Financing Director
Direktur Sharia
Uzan
Optimization - √ - √ - √ - √ - √ - √
Tedjamulia
Retail Banking Director
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Hubungan Keluarga dengan Hubungan Keuangan dengan
Family Relationship with Financial Relationship with
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Nama Jabatan Komisaris Komisaris
Board of Pengendali Board of Pengendali
Name Position Board of Board of
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Direktur Lending &
Ekajaya Ongny Wholesale Banking
- √ - √ - √ - √ - √ - √
Putra Lending & Wholesale
Banking Director
Direktur Operations &
Data Analytics
Enny Kamal - √ - √ - √ - √ - √ - √
Operations &
Data Analytics Director
Direktur Information
Technology &
Digital Experience
Sendy - √ - √ - √ - √ - √ - √
Information Technology
& Digital Experience
Director
Kebijakan Keberagaman Dewan Komisaris dan Diversity Policy of the Board of Commissioners
Direksi and Board of Directors
Kebijakan keberagaman komposisi Dewan Komisaris dan Direksi The policy on diversity in the composition of the Boards of
merujuk pada ketentuan Surat Edaran Otoritas Jasa Keuangan Commissioners and the Board of Directors refers to Financial
No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Services Authority Circular No. 32/SEOJK.04/2015 on the
Terbuka. Dengan demikian, pengangkatan Dewan Komisaris dan Governance Guidelines for the Public Company. Thus, the
Direksi mempertimbangkan faktor keberagaman, seperti keahlian, appointment of the Bank’s Board of Commissioners and the Board
pengetahuan, dan pengalaman yang dibutuhkan Bank. of Directors has considered diversity factors, namely expertise,
knowledge, and experience needed by the Bank.
Keberagaman dalam komposisi anggota Dewan Komisaris dan The diversity in the composition of members of the Board of
Direksi membawa manfaat karena dapat memberikan perspektif Commissioners and the Board of Directors has some benefits
yang beragam. Keahlian, latar belakang, pengetahuan, dan including providing various perspectives. The diverse expertise,
pengalaman yang berbeda-beda dari para anggota memperkaya backgrounds, knowledge, and experiences of the members
diskusi dan pengambilan keputusan. Dengan demikian, Bank dapat enrich discussions and decision-making. Thus, the Bank can better
merespons lebih baik terhadap dinamika pasar, mengidentifikasi respond to market dynamics, identify opportunities, and address
peluang, serta mengatasi risiko dengan pendekatan yang risks with a comprehensive approach. Additionally, diversity also
komprehensif. Selain itu, keberagaman juga menciptakan fosters an inclusive environment, reflecting values of fairness, and
lingkungan yang inklusif, mencerminkan nilai-nilai keadilan, dan supports the holistic realization of the Bank’s objectives.
mendukung terwujudnya tujuan Bank secara holistik.
Keberagaman Komposisi Anggota Dewan Komisaris
Diversity of Board of Commissioners’ Composition
Aspek Keberagaman Realisasi
Diversity Aspect Realization
Pendidikan Latar belakang pendidikan Dewan Komisaris beragam, mulai dari sarjana sampai magister, dengan kompetensi di bidang
Education ekonomi, akuntansi, dan bisnis.
The educational backgrounds of the Board of Commissioners vary from bachelor’s to master’s degrees, with competencies in
the fields of economics, accounting, and business
Pengalaman Kerja Keberagaman pengalaman kerja Dewan Komisaris, antara lain berasal dari profesional pada perbankan maupun lembaga
Work Experience keuangan non-bank.
The diversity of work experiences of the Board of Commissioners includes professionals from both banking and non-banking
financial institutions.
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Aspek Keberagaman Realisasi
Diversity Aspect Realization
Usia Usia rata-rata Dewan Komisaris, yakni 60-69 tahun.
Age The average age of the Board of Commissioners is 60-69 years old.
Jenis Kelamin Tercatat 1 dari 3 anggota Dewan Komisaris Bank adalah wanita.
Gender 1 out of 3 members of the Bank’s Board of Commissioners is female.
Informasi data diri Dewan Komisaris selengkapnya dapat dilihat pada bab Profil Perusahaan Laporan Tahunan dan Keberlanjutan ini.
Complete personal data information on the Board of Commissioners can be seen in the Company Profile chapter of this Annual and Sustainability Report.
Keberagaman Komposisi Direksi
Diversity of Board of Directors’ Composition
Aspek Keberagaman Realisasi
Diversity Aspect Realization
Pendidikan Latar belakang pendidikan Direksi beragam, mulai dari sarjana sampai magister, dengan kompetensi di bidang administrasi
Education bisnis, akuntansi, ekonomi, dan teknik sipil.
The educational backgrounds of the Board of Directors are diverse from bachelor’s to master’s degrees, with competencies in
the fields of business administration, accounting, economics, and civil engineering.
Pengalaman Kerja Keberagaman pengalaman kerja Dewan Komisaris, antara lain berasal dari profesional pada perbankan maupun lembaga
Work Experience keuangan non-bank.
The diversity of work experience of the Board of Directors, among others, comes from professionals in banking and non-bank
financial institutions.
Usia Usia rata-rata Direksi, yakni 35-64 tahun.
Age The average age of the Board of Directors is 35-64 years old.
Jenis Kelamin Tercatat 1 dari 9 anggota Direksi Bank adalah wanita.
Gender 1 out of 9 members of the Bank’s Board of Commissioners are female.
Informasi data diri Direksi selengkapnya dapat dilihat pada bab Profil Perusahaan Laporan Tahunan dan Keberlanjutan ini.
Complete personal data information on the Board of Commissioners can be seen in the Company Profile chapter of this Annual and Sustainability Report.
Kebijakan Nominasi Dewan Komisaris dan Nomination Policy of the Board of
Direksi Commissioners and the Board of Directors
Kebijakan Nominasi Dewan Komisaris dan Direksi mengacu pada The Nomination Policy of the Board of Commissioners and the Board
Peraturan Otoritas Jasa Keuangan No. 34/POJK.04/2014 tentang of Directors refers to Financial Services Authority Regulation No. 34/
Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik POJK.04/2014 on the Nomination and Remuneration Committee
dan Anggaran Dasar Bank. Berdasarkan ketentuan tersebut, calon of Issuers or Public Companies and the Articles of Association
Dewan Komisaris dan Direksi yang dinominasikan harus memenuhi of the Bank. According to these provisions, candidates for the
persyaratan yang telah ditentukan dalam Anggaran Dasar Bank dan Board of Commissioners and the Board of Directors must meet
peraturan perundang-undangan yang berlaku, dengan melakukan the requirements stipulated in the Bank’s Articles of Association
seleksi sesuai dengan yang dipersyaratkan oleh peraturan tersebut. and applicable laws and regulations, by conducting selections in
accordance with the requirements set forth by such regulations.
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Adapun proses nominasi Dewan Komisaris dan Direksi dijelaskan The nomination process for the Board of Commissioners and the
sebagai berikut. Board of Directors is explained as follows.
1. Kandidat yang dinominasikan dapat diajukan dengan 1. Nominated candidates can be proposed by meeting the
memenuhi syarat kriteria yang berlaku dan dapat berasal dari applicable criteria and may come from both internal and
sumber internal dan eksternal. external sources.
2. Nominasi kandidat dilengkapi dengan syarat administrasi 2. Candidate nominations are completed by the prescribed
yang ditetapkan dan diproses melalui seleksi oleh Komite administrative requirements and processed through selection
Remunerasi dan Nominasi. by the Remuneration and Nomination Committee.
3. Komite Remunerasi dan Nominasi dapat melakukan 3. The Remuneration and Nomination Committee may hold
pertemuan lebih lanjut dalam rangka mengenali kualifikasi further meetings to assess the qualifications of the candidates.
kandidat yang dinominasikan.
4. Komite Remunerasi dan Nominasi dapat melibatkan pihak 4. The Remuneration and Nomination Committee may involve
lain yang dinilai independen untuk dimintai opini (jika perlu), other parties deemed independent to provide opinions
termasuk melakukan interview bersama pihak independen (if necessary), including conducting interviews with these
tersebut, dengan syarat pengambilan keputusan tetap independent parties, with a condition that the decision-making
dilakukan oleh Komite Remunerasi dan Nominasi. remains with the Remuneration and Nomination Committee.
5. Kandidat nominasi yang direkomendasikan oleh Komite 5. Nominated candidates recommended by the Remuneration
Remunerasi dan Nominasi wajib mengikuti fit and proper and Nomination Committee must undergo a fit and proper
test yang dilakukan oleh otoritas keuangan berwenang dan test conducted by the relevant financial authority, and the
hasil keputusan yang dihasilkan menjadi rekomendasi untuk outcome of the decision becomes a recommendation to
RUPS dalam rangka pengesahan dan/atau penetapan hasil the General Meeting of Shareholders for the purpose of
keputusan tersebut. ratification and/or determination of the decision.
Kebijakan Remunerasi Dewan Komisaris dan Remuneration Policy of the Board of
Direksi Commissioners and Board of Directors
Kebijakan Remunerasi Dewan Komisaris dan Direksi mengacu pada The policy for remuneration of the Board of Commissioners and the
Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2015 tentang Board of Director refers to Financial Services Authority Regulation
Penerapan Tata Kelola dalam Pemberian Remunerasi bagi Bank Umum No. 45/POJK.03/2015 on the Implementation of Government in
dan Surat Edaran Otoritas Jasa Keuangan No. 40/SEOJK.03/2016 Providing Remuneration for Commercial Banks and Financial Services
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi Bank Authority Circular No. 40/SEOJK.03/2016 on the Implementation of
Umum. Berdasarkan ketentuan tersebut, remunerasi yang diterima Governance in the Provision of Remuneration for Commercial Banks.
Dewan Komisaris dan Direksi, terdiri dari: Based on those provisions, the remuneration received by the Board of
Commissioners and the Board of Directors consists of:
1. Remunerasi yang bersifat tetap, yaitu remunerasi yang tidak 1. Fixed remuneration, namely remuneration that is not linked to
dikaitkan dengan kinerja dan risiko, antara lain gaji pokok, performance and risk, including basic salary, facilities, housing
fasilitas, tunjangan perumahan, tunjangan kesehatan, allowance, health allowance, education allowance, holiday
tunjangan pendidikan, tunjangan hari raya, dan pensiun; dan allowance and pension fund.
2. Remunerasi yang bersifat variabel, yaitu Remunerasi yang 2. Variable remuneration, namely remuneration linked to
dikaitkan dengan kinerja dan risiko, antara lain bonus atau performance and risk, including bonuses or other equivalent
bentuk lainnya yang dipersamakan dengan itu. forms.
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Prosedur Penetapan Remunerasi Procedure for Determining Remuneration
Penetapan remunerasi Dewan Komisaris dan Direksi dilakukan The determination of remuneration for the Board of Commissioners
melalui serangkaian prosedur, mulai dari usulan Komite and the Board of Directors is carried out through a series of procedures,
Remunerasi dan Nominasi sebelum akhirnya ditetapkan oleh namely proposals by the Remuneration and Nomination Committee
Rapat Umum Pemegang Saham. Prosedur tersebut diungkapkan before finally approved by the General Meeting of Shareholders.
dalam bentuk skema berikut. These procedures are outlined in the following scheme.
KOMITE REMUNERASI DAN NOMINASI
REMUNERATION AND NOMINATION COMMITTEE
Komite Remunerasi dan Nominasi mengumpulkan informasi Remuneration and Nomination Committee collects information
mengenai standar remunerasi untuk jabatan dan industri sejenis about remuneration standards for similar positions and industries
dengan memperhitungkan kinerja Bank Sinarmas. Komite by considering Bank Sinarmas performance. The Committee gives
membuat rekomendasi kepada Dewan Komisaris. recommendation to the Board of Commissioners.
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Dewan Komisaris mempelajari rekomendasi dari Komite Remunerasi The Board of Commissioners reviews the recommendation of the
dan Nominasi mengusulkan remunerasi Dewan Komisaris dan Remuneration and Nomination Committee, and proposes the
Direksi kepada RUPS. remuneration of the Board of Commissioners and the Board of
Directors to the GMS.
RAPAT UMUM PEMEGANG SAHAM
GENERAL MEETING OF SHAREHOLDERS
RUPS memberi wewenang kepada Dewan Komisaris untuk The GMS authorizes the Board of Commissioners to determine
menetapkan gaji dan honorarium dengan memperhatikan usul the honorarium by considering the proposal submitted by the
yang diajukan oleh Komite Remunerasi dan Nominasi. Remuneration and Nomination Committee.
REMUNERASI DEWAN KOMISARIS DAN DIREKSI
REMUNERATION OF THE BOARD OF COMMISSIONERS AND DIRECTORS
Pelaksanaan remunerasi Dewan Komisaris dan Direksi telah sesuai The implementation of the remuneration for the Board of
dengan prosedur atas peraturan yang berlaku. Commissioners and the Board of Directors is provided in accordance
with procedures for the applicable regulations.
Indikator Remunerasi Remuneration Indicator
Remunerasi Dewan Komisaris dan Direksi ditetapkan dengan The remuneration for the Board of Commissioners and the
mempertimbangkan beberapa hal, baik peraturan perundang- Board of Directors is determined by considering certain matters,
undangan yang berlaku maupun kebijakan internal, seperti kinerja including applicable regulations and internal policy, such as the
Bank. Selain itu, pemberian remunerasi didasarkan pada kinerja Bank’s performance. In addition, the remuneration is based on the
masing-masing anggota melalui pelaksanaan tugas dan tanggung performance of each member through the implementation of the
jawab Dewan Komisaris dan Direksi. duties and responsibilities of the Board of Commissioners and the
Board of Directors.
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Sementara itu, indikator penentu besaran remunerasi Dewan Meanwhile, indicators to determine remuneration amount for the
Komisaris dan Direksi, yakni: Board of Commissioners and the Board of Directors are as follows:
1. Skala Usaha; 1. Business Scale;
2. Kompleksitas Usaha; 2. Business Complexity;
3. Peer Group; 3. Peer Group;
4. Tingkat Inflasi; 4. Inflation Condition;
5. Perkembangan industri perbankan; 5. Development of the Banking Industry;
6. Kondisi Kinerja Bank; dan 6. Bank Performance; and
7. Kemampuan keuangan Bank. 7. Bank Financial Capabilities.
Penetapan Material Risk Takers (MRT) Establishing Material Risk Takers (MRT)
Bank Sinarmas menetapkan material risk takers (MRT) melalui 2 Bank Sinarmas determines material risk takers (MRT) through 2
pendekatan, yaitu: approaches, namely:
1. Metode kualitatif, yakni sesuai dengan porsi tanggung jawab 1. Qualitative method, which is in accordance with the portion
yang berpengaruh terhadap profil risiko utama yang akan of responsibility that affects main risk profile which will be
ditentukan berdasarkan evaluasi profil risiko Bank; serta determined based on risk profile evaluation; and
2. Metode kuantitatif, yakni melalui perbandingan penerimaan 2. Quantitative method, which is through comparison of variable
remunerasi yang bersifat variabel antara MRT dan non-MRT remuneration provision between MRT and non-MRT, by
dengan tetap mempertimbangkan kinerja dan tingkat risiko considering performance and positional risk.
jabatan.
Organ Bank yang ditetapkan menjadi bagian dari MRT adalah The Bank’s organ determined to be part of the MRT is and Bank
Pengurus Bank dan Pejabat Eksekutif setingkat Group Head yang Management and Executive Officers at Group Head level which
terdiri dari 40 orang. consists of 40 people.
Penangguhan atau Penarikan Kembali Remunerasi Remuneration Suspension or Clawback
Bank Sinarmas memiliki kewenangan untuk menunda pembayaran Bank Sinarmas has the authority to defer payment of variable
remunerasi variabel yang ditangguhkan (malus) atau mengambil remuneration (malus) or to claw back variable remuneration
kembali remunerasi variabel yang telah dibayarkan (clawback) already paid to individuals designated as MRT, subject to certain
kepada pihak yang ditetapkan sebagai MRT, dengan syarat-syarat predetermined conditions, such as:
tertentu yang telah ditentukan, seperti:
1. Bank mengalami kerugian; 1. The Bank suffers a loss;
2. Terjadinya risiko yang berdampak negatif terhadap keuangan 2. Occurrence of risks negatively impacting the Bank’s finances;
Bank;
3. Terjadinya fraud, pelanggaran hukum, perilaku tidak etis, 3. Occurrence of fraud, legal violations, unethical behavior, and/
dan/atau pemalsuan catatan oleh pihak yang menjadi MRT or falsification of records by individuals designated as MRT
yang merugikan Bank; serta that harm the Bank; and
4. Kondisi lainnya. 4. Other conditions.
Persentase penangguhan pembayaran remunerasi ditetapkan The percentage of deferred payment of remuneration is
berdasarkan stabilitas keuangan Bank, kecukupan dan penguatan determined based on the financial stability of the Bank, the
permodalan Bank, kebutuhan likuiditas jangka pendek dan jangka adequacy and strengthening of the Bank’s capital, the need for
panjang, serta potensi pendapatan di masa mendatang. Waktu short-term and long-term liquidity, as well as potential future
penangguhan pembayaran remunerasi minimal adalah 3 tahun, earnings. The minimum deferral period for remuneration payment
namun dapat disesuaikan untuk periode yang lebih panjang is 3 years, but it can be adjusted for longer periods according to
sesuai dengan jangka waktu risiko yang relevan. the relevant risk timeframe.
Hubungan Remunerasi dan Kinerja Perusahaan Connection of Remuneration and the Company’s
Performance
Bank Sinarmas menetapkan penilaian kinerja dengan pendekatan Bank Sinarmas determines performance evaluation with Key
Key Performance Indicator (KPI) yang mengacu pada Rencana Bisnis Performance Indicator (KPI) approach which refers to the Bank
Bank (RBB). Selain itu, penilaian tersebut pun mempertimbangkan Business Plan (RBB). In addition, the evaluation also considers
penerapan aspek risiko dan kepatuhan dalam pengelolaan Bank the implementation of risk and compliance aspects in the
oleh Direksi. Hasil dari penilaian tersebut dijadikan bahan evaluasi Bank’s management by the Board of Directors. The results of
dalam hal penentuan pemberian remunerasi bagi Direksi. this evaluation are used as evaluation material in determining
remuneration for the Board of Directors.
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Komponen Remunerasi Remuneration Component
Komponen remunerasi yang diterima Dewan Komisaris dan The components of the remuneration received by the Board of
Direksi diungkapkan sebagai berikut. Commissioners and the Board of Directors are disclosed as follows.
Jenis Remunerasi/
Fasilitas Keterangan
Type of Remuneration/ Description
Facilities
Tunjangan / Allowance
Hari Raya Nasional Dewan Komisaris dan Direksi diberikan tunjangan sebesar 1 The Board of Commissioners and the Board of Directors are
National Holiday kali honorarium/gaji. given an allowance of 1 time honorarium/salary
Fasilitas / Facility
Kesehatan • Fasilitas kesehatan diberikan kepada anggota Dewan • Health allowance is provided to members of the Board of
Health Komisaris dan Direksi dalam bentuk asuransi kesehatan. Commissioners and the Board of Directors in the form of
health insurance
• Fasilitas kesehatan diberikan kepada anggota Dewan • Health allowance is provided to members of the Board of
Komisaris dan Direksi serta suami/istri dan maksimal 3 Commissioners and the Board of Directors, their spouses,
orang anak, dengan ketentuan anak tersebut belum and a maximum of 3 children provided that they are still
menikah dan belum bekerja atau usia anak maksimal unmarried and unemployed or younger than 21 years old.
21 tahun. Fasilitas yang diberikan berupa fasilitas rawat The facilities provided include outpatient and inpatient
jalan dan rawat inap. facilities.
Bantuan Hukum Fasilitas bantuan hukum diberikan kepada Dewan Komisaris Legal assistance facilities are provided to the Board of
Legal Assistance dan Direksi dalam hal terjadi tindakan/perbuatan untuk dan Commissioners and the Board of Director in the event
atas nama jabatan anggota Dewan Komisaris dan Direksi of an action/deed for and on behalf of the position of a
yang berkaitan dengan maksud dan tujuan serta kegiatan member of the Board of Commissioners and the Board of
usaha Bank. Directors related to the aims and objectives and business
activities of the Bank.Z
Komunikasi • Diberikan penggantian alat komunikasi setiap 2 tahun • Communication device is replaced every 2 years.
Communication sekali.
• Diberikan tunjangan pulsa setiap bulan. • Cell phone credit is given every month.
Transportasi Diberikan uang penggantian untuk tol, parkir, dan bahan Reimbursement is given for toll, parking, and fuel. The
Transportation bakar minyak (BBM) yang besarannya disesuaikan dengan amount is adjusted in accordance to the use and facilities
penggunaan dan fasilitas kendaraan dinas. of the official vehicle.
Realisasi Remunerasi Dewan Komisaris
Realization of Remuneration for the Board of Commissioners
2023 2022 2021
Jenis Remunerasi dan
Fasilitas Lain Jumlah Dalam Jutaan Jumlah Dalam Jutaan Jumlah Dalam Jutaan
Type of Remuneration and Penerima Rupiah Penerima Rupiah Penerima Rupiah
other Facilities Total In Million Total In Million Total In Million
Beneficiary Rupiah Beneficiary Rupiah Beneficiary Rupiah
Remunerasi (gaji, bonus, tunjangan
rutin, tantiem, dan fasilitas lainnya)
3 5.802 3 5.099 3 5.014
Remuneration (salary, bonus, routine
allowance, tantiem, and other facilities)
Fasilitas lain dalam bentuk perumahan, transportasi, asuransi kesehatan, dan sebagainya
Other facilities such as housing, transportation, health insurance, and others
a. dapat dimiliki
- - 1 28 3 17
purchasable
b. tidak dapat dimiliki
- - - - - -
not purchasable
Jumlah 3 5.802 3 5.127 3 5.031
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Realisasi Remunerasi Direksi
Realization of Remuneration for the Board of Directors
2023 2022 2021
Jenis Remunerasi dan
Fasilitas Lain Jumlah Dalam Jutaan Jumlah Dalam Jutaan Jumlah Dalam Jutaan
Type of Remuneration and Penerima Rupiah Penerima Rupiah Penerima Rupiah
other Facilities Total In Million Total In Million Total In Million
Beneficiary Rupiah Beneficiary Rupiah Beneficiary Rupiah
Remunerasi (gaji, bonus, tunjangan
rutin, tantiem, dan fasilitas lainnya)
9 29.824 7 21.091 6 20.268
Remuneration (salary, bonus, routine
allowance, tantiem, and other facilities)
Fasilitas lain dalam bentuk perumahan, transportasi, asuransi kesehatan, dan sebagainya
Other facilities such as housing, transportation, health insurance, and others
a. dapat dimiliki
3 84 1 28 6 396
purchasable
b. tidak dapat dimiliki
- - - - - -
not purchasable
Jumlah 9 29.908 7 21.119 6 20.268
Komite-Komite di Bawah Dewan Komisaris
Board of Commissioners’ Subordinate Committees
Komite Audit Audit Committee
Komite Audit merupakan organ pendukung Dewan Komisaris yang The Audit Committee is a supporting body of the Board of
bertanggung jawab untuk mendukung pengawasan terhadap Commissioners responsible for overseeing the quality of Financial
kualitas Laporan Keuangan, sistem pengendalian internal, dan Statements, internal control systems, and Internal Audit Functions.
Fungsi Audit Internal. Komite ini juga berperan dalam mengawasi This committee also plays a role in supervising the implementation
implementasi tata kelola dan kepatuhan Bank terhadap peraturan of governance and ensuring the Bank’s compliance with laws and
perundang-undangan. regulations.
Pedoman Kerja Audit Committee Charter
Komite Audit menjalankan tugas tanggung jawabnya dengan The Audit Committee carries out its duties and responsibilities
berpedoman pada Piagam Komite Audit Rev 3.0. Piagam tersebut based on the Audit Committee Charter Rev. 3.0. The charter was
telah disahkan pada 25 April 2019 yang memuat tentang: ratified on April 25, 2019, consisting of:
1. Pembentukan; 1. Establishment;
2. Dasar Hukum; 2. Legal Basis;
3. Susunan dan Syarat Anggota; 3. Composition and Terms of Members;
4. Pengangkatan atau Pemberhentian; 4. Appointment or Dismissal;
5. Tugas dan Tanggung Jawab; 5. Duties and Responsibilities;
6. Wewenang; 6. Authority;
7. Masa Tugas; 7. Term of Service;
8. Kode Etik; 8. Code of Ethics;
9. Tata Cara dan Prosedur Kerja; 9. Working Systems and Procedures;
10. Ketentuan Rapat; 10. Terms of Meeting;
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11. Pelaporan; dan 11. Reporting; and
12. Masa Berlaku Piagam Penanganan dan Pengaduan pada 12. Term of Charter for Handling and Complaints in Financial
Pelaporan Keuangan. Reporting.
Pengangkatan dan Pemberhentian Appointment and Dismissal
Anggota Komite Audit diangkat dan diberhentikan oleh Dewan Members of the Audit Committee are appointed and dismissed by
Komisaris. Anggota Komite Audit dapat diberhentikan apabila the Board of Commissioners. Members of the Audit Committee
yang bersangkutan berakhir masa jabatan keanggotaannya dan may be dismissed if their term of office ends and based on
berdasarkan keputusan Dewan Komisaris, serta diberhentikan the decision of the Board of Commissioners, as well as being
karena tidak memenuhi kinerja yang telah ditetapkan dan/atau dismissed for not meeting the established performance criteria
tidak kompeten dalam menjalankan tugasnya. and/or incompetence in carrying out their duties.
Struktur dan Susunan Anggota Komite Audit Structure and Composition of members of
the Audit Committee
Anggota Komite Audit Bank Sinarmas, terdiri dari seorang Members of the Audit Committee of Bank Sinarmas consist of
Komisaris Independen dan 2 orang Pihak Independen yang one Independent Commissioner and two Independent Parties
memiliki keahlian di bidang keuangan atau akuntansi dan seorang with competencies in finance or accounting, and one Independent
dari Pihak Independen yang memiliki keahlian di bidang hukum Party expertise in legal and banking. As of December 31, 2023,
atau perbankan. Susunan anggota Komite Audit Bank per 31 the composition of the Bank’s Audit Committee is disclosed as
Desember 2023 diungkapkan sebagai berikut. follows.
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan Keahlian
Name Position Basis of Appointment Period and Term of Office Expertise
Ekonomi,
Akuntansi, dan
Ketua Manajemen
Sammy Kristamuljana 2021-2024
Chairma Economics,
Surat Keputusan No. SK.084/2021/ Accounting, and
PRESDIR tentang Susunan Anggota Management
Komite Audit PT. Bank Sinarmas Tbk.,
yang dikeluarkan pada 1 Oktober 2021. Ekonomi dan
Anggota (Pihak Independen) Keuangan
Reynold M Batubara Decision Letter No. SK.084/2021/PRESDIR 2021-2024
Member (Independent Party) Economics and
on members of the Audit Committee Financial
of PT. Bank Sinarmas Tbk. issued on
October 1, 2021. Ekonomi,
Keuangan, dan
Anggota (Pihak Independen)
Robert A Simanjuntak 2021-2024 Perbankan
Member (Independent Party)
Economics, Finance
and Banking
Profil Anggota Komite Audit Audit Committee’s Profile
Sammy Kristamuljana
Ketua
Chairman
Dasar Hukum Pengangkatan
Legal Basis of Appointment
Diangkat berdasarkan Surat Keputusan No. SK.084/2021/PRESDIR tentang Susunan Anggota Komite Audit PT. Bank Sinarmas Tbk., yang
dikeluarkan pada 1 Oktober 2021.
Appointed based on the Decision Letter No. No. SK.084/2021/PRESDIR on the Composition of Members of the Audit Committee of PT. Bank
Sinarmas Tbk., issued on October 1, 2021.
Profil dapat dilihat pada bab Profil Perusahaan dalam Laporan Tahunan dan Keberlanjutan ini.
The profile can be seen in the Company Profile chapter in this Annual and Sustainability Report.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Periode dan Dasar Hukum Pengangkatan
Term of Office and Legal Basis of Appointment
Surat Keputusan No. SK.084/2021/PRESDIR tentang Susunan Anggota Komite Audit
PT. Bank Sinarmas Tbk., yang dikeluarkan pada 1 Oktober 2021.
Decision Letter No. SK.084/2021/PRESDIR on the Composition of Member of the Audit
Committee of PT. Bank Sinarmas Tbk., issued on October 1, 2021.
Riwayat Pendidikan
Educational Background
• Philosophy Doctor, Economics, University of Birmingham, United Kingdom (1998).
• Master of Science, Economics, University of Birmingham, United Kingdom (1988); dan
• Sarjana Ekonomi, Universitas Indonesia, Jakarta (1986).
• Philosophy Doctorate in Economics, University of Birmingham, United Kingdom (1998);
• Master of Science in Economics, University of Birmingham, United Kingdom (1988); and
• Bachelor of Economics, Indonesia University, Jakarta (1986).
Riwayat Pekerjaan
Work Experiences
• Komisaris PT Antam Tbk (2014-2019);
• Staf Khusus Menteri Keuangan Bidang Perumusan Kebijakan Fiskal Republik Indonesia
(2014-2019);
Robert A Simanjuntak • Komisaris PT Perkebunan Nusantara (PTPN) VII (2013-2014);
• Komisaris Independen PT Asuransi Tugu Pratama Indonesia Tbk (2010-2012);
Anggota (Pihak Independen) • Ketua Tim Asistensi Menteri Keuangan Bidang Desentralisasi Fiskal (TADF) Republik Indonesia
Member (Independent Party) (2009-2014);
• Ketua Departemen Ilmu Ekonomi - Fakultas Ekonomi Universitas Indonesia (2005-2009);
• Tenaga Ahli Panitia Anggaran Dewan Perwakilan Rakyat Republik Indonesia (2003-2004);
• Direktur Program Magister Perencanaan dan Kebijakan Publik (MPKP) Fakultas Ekonomi
Universitas Indonesia (1999-2005); dan
Kewarganegaraan / Citizenship • Peneliti dan Konsultan Lembaga Penyelidikan Ekonomi dan Masyarakat (LPEM) Fakultas
Indonesia Ekonomi Universitas Indonesia (1986-2005).
• Commissioner of PT Antam Tbk (2014-2019);
• Special Staff to the Minister of Finance for Fiscal Policy Formulation of the Republic of Indonesia
(2014-2019);
Domisili / Domicile
• Commissioner of PT Perkebunan Nusantara (PTPN) VII (2013-2014);
Jakarta • Independent Commissioner of PT Asuransi Tugu Pratama Indonesia Tbk (2010-2012);
• Chairman of the Fiscal Decentralization Assistance Team (TADF) for the Minister of Finance of
the Republic of Indonesia (2009-2014);
Usia / Age • Chairman of the Department of Economics - Faculty of Economics, Indonesia University
(2005-2009);
61 tahun / years old
• Expert Staff of the Budget Committee of the House of Representatives of the Republic of
Indonesia (2003-2004);
• Director of the Master's Program in Planning and Public Policy (MPKP) at the Faculty of
Economics, Indonesia University (1999-2005); and
• Researcher and Consultant at the Institute for Economic and Social Research (LPEM) at the
Faculty of Economics (1986-2005).
Rangkap Jabatan
Concurrent Position
• Anggota Komite Pemantau Risiko PT. Bank Sinarmas Tbk. (sejak 2021);
• Anggota Komite Audit PT Sinar Mas Agro Resources and Technology Tbk (sejak 2020);
• Komisaris Independen dan Ketua Komite Audit PT Dian Swastatika Sentosa Tbk
(sejak 2019);
• Wakil Ketua Dewan Pembina, Komite Pemantauan Pelaksanaan Otonomi Daerah (KPPOD)
(sejak 2009);
• Guru Besar Ilmu Ekonomi Keuangan Negara, Fakultas Ekonomi, Universitas Indonesia
(sejak 2008).
• Member of the Risk Monitoring Committee of PT. Bank Sinarmas Tbk. (since 2021);
• Member of the Audit Committee of PT Sinar Mas Agro Resources and Technology Tbk
(since 2020);
• Independent Commissioner and Chairman of the Audit Committee of PT Dian Swastatika
Sentosa Tbk (since 2019);
• Vice Chairman of the Board of Trustees, Regional Autonomy Implementation Monitoring
Committee (KPPOD) (since 2009);
• Professor of State Financial Economics, Faculty of Economics, Indonesia University (since 2008).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Saham Pengendali.
Has no affiliated relationships with the Board of Directors, the Board of Commissioners or
Controlling Shareholders.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Periode dan Dasar Hukum Pengangkatan
Term of Office and Legal Basis of Appointment
Surat Keputusan No. SK.084/2021/PRESDIR tentang Susunan Anggota Komite Audit
PT. Bank Sinarmas Tbk., yang dikeluarkan pada 1 Oktober 2021.
Decision Letter No. SK.084/2021/PRESDIR on the Composition of Member of the Audit
Committee of PT. Bank Sinarmas. Tbk, issued on October 1, 2021
Riwayat Pendidikan
Educational Background
Sarjana Ekonomi bidang Akuntansi, Universitas Indonesia (1983).
Bachelor of Economics in Accounting, Indonesia University (1983).
Riwayat Pekerjaan
Work Experiences
• Anggota Komite Audit dan Komite Manajemen Risiko PT Bank Net Indonesia Syariah
(2020-2021);
• Anggota Komite Audit PT Chandra Astri Tbk (2015-2021);
• Anggota Komite Tata Kelola Perusahaan Terpadu (Integrated Corporate Governance) BNP
Paribas (2016-2021);
• Komisaris PT Paramitra Multi Finance (2010-2011);
Reynold M Batubara • Komisaris PT Smartfren Telecom Tbk (2009-2021);
• Anggota Komite Audit dan Komite Manajemen Risiko PT Maybank Syariah Indonesia
Anggota (Pihak Independen) (2008-2019);
Anggota (Pihak Independen) • Konsultan New Frontier Solution (2008);
• Country Head Group Audit ABN AMRO Bank NV Indonesia (1994-2006);
• Head of Internal Audit Standard Chartered Bank (1993-1994);
• Audit Manager Ernst & Young International (1990-1993);
Kewarganegaraan / Citizenship • Senior Auditor Moret, Ernst & Young Nederland, Amsterdam (1987-1990); dan
• Senior Auditor Arthur Young International (1980-1987).
Indonesia • Member of the Audit Committee and Risk Management Committee of PT Bank Net
Indonesia Syariah (2020-2021);
• Member of the Audit Committee of PT Chandra Asri Tbk (2015-2021);
Domisili / Domicile • Member of the Integrated Corporate Governance Committee at BNP Paribas (2016-2021);
Jakarta • Commissioner of PT Paramitra Multi Finance (2010-2011);
• Commissioner of PT Smartfren Telecom Tbk (2009-2021);
• Member of the Audit Committee and Risk Management Committee of PT Maybank Syariah
Usia / Age Indonesia (2008-2019);
• Consultant at New Frontier Solution (2008);
67 tahun / years old
• Country Head Group Audit at ABN AMRO Bank NV Indonesia (1994-2006);
• Head of Internal Audit at Standard Chartered Bank (1993-1994);
• Audit Manager at Ernst & Young International (1990-1993); Senior Auditor at Moret, Ernst
& Young Nederland, Amsterdam (1987-1990); and
• Senior Auditor at Arthur Young International (1980-1987).
Rangkap Jabatan
Concurrent Position
• Anggota Komite Tata Kelola Terintegrasi PT. Bank Sinarmas Tbk. (sejak 2022);
• Anggota Komite Pemantau Risiko PT. Bank Sinarmas Tbk. (sejak 2021);
• Anggota Komite Audit PT Asuransi Etiqa Internasional (sejak 2019);
• Anggota Komite Pemantau Risiko PT Elnusa Tbk (sejak 2013);
• Anggota Komite Audit PT ATLAS Resources Tbk (sejak 2012); dan
• Komisaris PT Paramitra Alfa Sekuritas (sejak 2009).
• Member of the Integrated Governance Committee of PT. Bank Sinarmas Tbk. (since 2022);
• Member of the Risk Monitoring Committee of PT. Bank Sinarmas Tbk. (since 2021);
• Member of the Risk Monitoring Committee of PT Elnusa Tbk (since 2023);
• Member of the Audit Committee of PT Asuransi Etiqa Internasional (since 2019);
• Member of the Audit Committee of PT ATLAS Resources Tbk (since 2012); and
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Sertifikasi Profesi
Professional Certification
• Sertifikasi Audit Internal dari The Institute of Internal Auditor Indonesia (IIA); dan
• Sertifikasi Penilaian Mutu dari The Institute of Internal Auditor Indonesia (IIA).
• Internal Audit Certification from The Institute of Internal Auditors Indonesia (IIA); and
• Quality Assessment Certification from the Institute of Internal Auditors Indonesia (IIA).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Saham Pengendali.
Has no affiliated relationships with the Board of Directors, the Board of Commissioners or
Controlling Shareholders.
Independensi Komite Audit Independency of the Audit Committee
Bank menjamin bahwa seluruh anggota Komite Audit bertindak The Bank ensures that all members of the Audit Committee act
secara independen dan tidak menerima/melakukan intervensi dari/ independently and do not receive/perform interventions from/to
kepada pihak lainnya. Komite Audit juga tidak memiliki kepentingan other parties. The Audit Committee also does not have personal
serta keterkaitan yang bersifat pribadi yang berpotensi menimbulkan interests or connections that could potentially create conflicts of
benturan kepentingan (conflict of interest) dengan Bank. Hal tersebut interest with the Bank. This is reflected through the following
tercermin melalui pernyataan independensi berikut. statement of independence.
Aspek Independensi Sammy Robert A Reynold M
Independency Aspect Kristamuljana Simanjuntak Batubara
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
Does not have financial relationship with the Board of Commissioners and the
Board of Directors.
Tidak memiliki hubungan kepemilikan saham di Bank.
Does not have share ownership relationship in the Bank.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, serta perusahaan afiliasi.
Does not have management relationship in the Bank, Subsidiary, and affiliated company.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau
anggota Komite Audit.
Does not have family relationship with the Board of Commissioners, the Board of
Directors, and/or members of the Audit Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Does not hold position as administrator of political party, state, and government
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of Audit Committee
Tugas dan tanggung jawab Komite Audit Bank Sinarmas, yakni: Duties and responsibilities of the Audit Committee of Bank
Sinarmas include:
1. Melakukan penelaahan atas informasi keuangan yang akan 1. Reviewing financial information to be issued by the Bank to
dikeluarkan Bank kepada publik dan/atau pihak otoritas antara the public and/or authorities including financial statement,
lain laporan keuangan, proyeksi, dan laporan lainnya terkait projection, and other reports related to the Bank’s financial
dengan informasi keuangan Bank; information;
2. Melakukan penelaahan atas ketaatan terhadap peraturan 2. Reviewing the Bank’s activities to comply with laws and
perundang-undangan yang berhubungan dengan kegiatan regulations;
Bank;
3. Memberikan pendapat independen dalam hal terjadi 3. Providing independent opinions amidst differences of opinion
perbedaan pendapat antara manajemen dan akuntan atas between management and accountants regarding the services
jasa yang diberikannya; provided;
4. Memberikan rekomendasi kepada Dewan Komisaris mengenai 4. Providing recommendations to the Board of Commissioners
penunjukan akuntan publik yang didasarkan kepada regarding the appointment of public accountants based on
independensi, ruang lingkup penugasan, dan fee; independence, scope of assignment, and fees;
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5. Melakukan pemantauan dan evaluasi paling sedikit terhadap 5. Monitoring and evaluating at least the implementation of
pelaksanaan tindak lanjut oleh Direksi atas hasil temuan follow-up actions by the Board of Directors on the findings
Satuan Kerja Audit Internal (SKAI), akuntan publik, dan hasil of Internal Audit Work Unit (IAU), public accountants, and
pengawasan Otoritas Jasa Keuangan; results of the Financial Services Authority monitoring.
6. Melakukan evaluasi terhadap pelaksanaan pemberian jasa 6. Evaluating the implementation of audit services for annual
audit atas informasi keuangan historis tahunan oleh akuntan historical financial information by public accountants and/or
publik dan/atau kantor akuntan publik; public accounting firms;
7. Melakukan penelaahan terhadap aktivitas pelaksanaan 7. Reviewing the activities of risk management implementation
manajemen risiko yang dilakukan oleh Direksi, jika Bank tidak carried out by the Board of Directors, if the Bank does not have
memiliki fungsi pemantau risiko di bawah Dewan Komisaris; a risk monitoring function under the Board of Commissioners.
8. Komite Audit wajib melakukan pemantauan dan evaluasi 8. The Audit Committee is required to monitor and evaluate the
atas perencanaan dan pelaksanaan audit serta pemantauan planning and implementation of audits as well as monitor the
atas tindak lanjut hasil audit dalam rangka menilai kecukupan follow-up to audit findings in order to assess the adequacy of
pengendalian internal, termasuk kecukupan proses pelaporan internal controls, including the adequacy of financial reporting
keuangan; processes;
9. Komite Audit wajib melakukan pemantauan dan evaluasi 9. The Audit Committee is required to monitor and evaluate at
paling sedikit terhadap: least:
a. Pelaksanaan tugas Satuan Kerja Audit Internal (SKAI); a. Implementation of duties of the Internal Audit Work Unit
(IAU);
b. Kesesuaian pelaksanaan audit oleh kantor akuntan publik b. Conformity of the audit implementation by the public
dengan standar audit; accounting firm to auditing standards;
c. Kesesuaian Laporan Keuangan dengan standar akuntansi c. Conformity of the financial reports to financial accounting
keuangan; dan standards; and
d. Pelaksanaan tindak lanjut Direksi atas hasil temuan d. Implementation of follow-up by the Board of Directors
Satuan Kerja Audit Internal, akuntan publik, dan hasil on the findings of the internal audit work unit, public
pengawasan Otoritas Jasa Keuangan guna memberikan accountants, and the results of supervision by the Financial
rekomendasi kepada Dewan komisaris. Services Authority in order to provide recommendation to
the Board of Commissioners.
10. Memberikan rekomendasi terkait pengangkatan dan 10. Providing recommendation related to the appointment and
pemberhentian Kepala SKAI; dismissal of the Head of IAU;
11. Memberikan rekomendasi terkait Piagam Audit Internal; 11. Providing recommendation related to the Internal Audit Charter;
12. Memantau dan mengkaji efektivitas pelaksanaan audit 12. Monitoring and reviewing the effectiveness of the Bank’s
internal Bank; internal audit implementation;
13. Mengevaluasi kinerja SKAI; 13. Evaluating the performance of IAU;
14. Memastikan SKAI melakukan komunikasi dengan Direksi, 14. Ensuring that IAU communicates with the Board of Directors,
Dewan Komisaris, Dewan Pengawas Syariah bagi bank umum the Board of Commissioners, Sharia Supervisory Board for
syariah dan bank umum konvensional yang memiliki unit sharia commercial banks and conventional commercial banks
usaha syariah, auditor eksternal, dan Otoritas Jasa Keuangan; that have sharia business units, external auditors, and the
Financial Services Authority;
15. Memastikan SKAI bekerja secara independen; 15. Ensuring that IAU works independently;
16. Memberikan rekomendasi kepada Dewan Komisaris terkait 16. Providing recommendation to the Board of Commissioners on
penyusunan rencana audit, ruang lingkup, dan anggaran SKAI; the preparation of IAU’s audit plan, scope, and budget;
17. Meninjau laporan audit dan memastikan Direksi mengambil 17. Reviewing audit reports and ensuring that the Board of
tindakan perbaikan yang diperlukan secara cepat untuk Directors immediately takes the necessary corrective actions
mengatasi kelemahan pengendalian, fraud, masalah to address control weaknesses, fraud, compliance issues with
kepatuhan terhadap kebijakan, undang-undang dan peraturan the policies, laws and regulations, or other issues identified
atau masalah lain yang diidentifikasi dan dilaporkan oleh SKAI; and reported by IAU;
18. Memberikan rekomendasi kepada Dewan Komisaris terkait 18. Providing recommendation to the Board of Commissioners
pemberian remunerasi tahunan SKAI secara keseluruhan serta related to the provision of IAU’s overall annual remuneration
penghargaan kinerja; and performance awards;
19. Memastikan SKAI menjunjung tinggi integritas dalam 19. Ensuring that IAU upholds integrity in carrying out its duties;
pelaksanaan tugas;
20. Memberikan rekomendasi terkait penunjukan pengendali 20. Providing recommendation on the appointment of
mutu independen dari pihak eksternal dalam melakukan kaji independent quality controllers from external parties in
ulang terhadap kinerja SKAI; conducting reviews of IAU performance;
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21. Melakukan penelaahan terhadap laporan pelaksanaan dan 21. Reviewing the implementation of report and main results of
pokok-pokok hasil audit internal; internal audit;
22. Menelaah laporan khusus mengenai setiap temuan 22. Reviewing special reports regarding any internal audit findings
audit internal yang diperkirakan dapat membahayakan deemed may harm the continuity of the Bank’s business;
kelangsungan usaha Bank;
23. Menelaah pengaduan yang berkaitan dengan proses 23. Reviewing complaints related to the accounting process and
akuntansi dan pelaporan keuangan Bank; financial reporting of the Bank;
24. Menelaah dan memberikan saran kepada Dewan Komisaris 24. Reviewing and providing advice to the Board of Commissioners
terkait dengan adanya potensi benturan kepentingan Bank; related to the potential conflict of interest of the Bank; and
dan 25. Maintaining confidentiality of the Bank’s documents, data,
25. Menjaga kerahasiaan dokumen, data dan informasi Bank. and information.
Wewenang Komite Audit Authority of the Audit Committee
Wewenang Komite Audit Bank, antara lain: Authority of the Bank’s Audit Committee includes:
1. Mengakses dokumen, data, dan informasi Bank tentang 1. To access documents, data, and information of the Bank
karyawan, dana, aset, dan sumber daya perusahaan yang regarding employees, funds, assets, and the Company
diperlukan; resources as needed;
2. Berkomunikasi langsung dengan karyawan, termasuk 2. To communicate directly with employees, including the
Direksi dan pihak yang menjalankan Fungsi Audit Internal, Board of Directors and parties carrying out the internal audit
manajemen risiko, dan akuntan terkait tugas dan tanggung function, risk management, and accountants regarding the
jawab Komite Audit; duties and responsibilities of the Audit Committee;
3. Melibatkan Pihak Independen di luar anggota Komite Audit 3. To involve Independent Parties other than members of the
yang diperlukan untuk membantu pelaksanaan tugasnya (jika Audit Committee to assist the Committee in carrying out its
diperlukan); dan duties (if needed); and
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. To do other authorities granted by the Board of Commissioners.
Komisaris.
Rapat Komite Audit Audit Committee Meeting
Rapat Komite Audit wajib diselenggarakan secara berkala paling Audit Committee meetings must be held regularly at least once
sedikit 1 kali dalam 3 bulan. Rapat tersebut dihadiri oleh paling every 3 months. The meeting is attended by at least 51% of the
sedikit 51% dari jumlah anggota, termasuk seorang Komisaris total members, including an Independent Commissioner and
Independen dan Pihak Independen. Apabila dipandang perlu, Independent Party. If deemed necessary, the Audit Committee
Komite Audit dapat mengundang unit kerja terkait dengan may invite related units with the knowledge of the Director in
sepengetahuan Direktur yang membidangi. Pada tahun 2023, charge. In 2023, the Audit Committee held a total of 11 meetings,
Komite Audit telah menyelenggarakan rapat sebanyak 11 kali, with the attendance rate as follows:
dengan tingkat kehadiran sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance Rate
Name Position Total Meeting Total Attendance
(%)
Ketua
Sammy Kristamuljana 11 11 100,00
Chairperson
Anggota (Pihak Independen)
Reynold M Batubara 11 11 100,00
Member (Independent Party)
Anggota (Pihak Independen)
Robert A Simanjuntak 11 11 100,00
Member (Independent Party)
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Informasi mengenai pelaksanaan Rapat Komite Audit, mulai dari Information regarding the implementation of the Audit Committee
tanggal, peserta, dan agenda diungkapkan pada tabel berikut. Meetings including date, participants and agenda is disclosed in
the following table.
Tanggal Peserta Agenda
Date Participants Agenda
31 Januari 2023 1. Sammy Kristamuljana 1. On Going Audit – Carry Over 2022 1. On Going Audit – Carry Over 2022
2. Reynold M Batubara 2. Audit Kick off in Q1 2023 2. Audit Kick off in Q1 2023
3. Robert A Simanjuntak 3. Audit Result Divisions and Branches Q4-2022 3. Audit Result Divisions and Branches Q4-2022
4. Progres Tindak Lanjut Hasil Temuan SKAI 4. Progress of Follow-up on Internal Audit Unit
(Overdue Findings) Findings (Overdue Findings)
5. Key Updates 5. Key Updates
6. Lain-Lain 6. Lain-Lain
16 Maret 2023 1. Sammy Kristamuljana Progres Audit atas Laporan Keuangan per Audit Progress on the Financial Statements as of 31
2. Reynold M Batubara 31 Desember 2022 December 2022
3. Robert A Simanjuntak
14 April 2023 1. Sammy Kristamuljana 1. On Going Audit in Q1 2023 1. On Going Audit in Q1 2023
2. Reynold M Batubara 2. Audit Kick off in Q2 2023 2. Audit Kick off in Q2 2023
3. Robert A Simanjuntak 3. Audit Result Divisions and Branches Q1-2023 3. Audit Result Divisions and Branches Q1-2023
4. Progres Tindak Lanjut Hasil Temuan SKAI 4. Progress of Follow-up on Internal Audit Unit
(Overdue Findings) Findings (Overdue Findings)
5. Key Updates 5. Key Updates
8 Juni 2023 1. Sammy Kristamuljana 1. Evaluasi Penggunaan Jasa Akuntan Publik 1. Evaluation of the Use of Public Accountant
2. Reynold M Batubara dan/atau Kantor Akuntan Publik untuk Audit and/or Public Accounting Firm Services for the
3. Robert A Simanjuntak Tahunan Posisi 31 Desember 2022 Annual Audit ended on December 31, 2022
2. Penunjukan Akuntan Publik dan/atau Kantor 2. Appointment of Public Accountant and/or
Akuntan Publik untuk Audit Tahunan Posisi 31 Public Accounting Firm for the Annual Audit
Desember 2023 ended on December 31, 2023
3. Pemberian Remunerasi Tahunan SKAI Secara 3. Provision of Annual Remuneration for the Internal
Keseluruhan serta Penghargaan Kinerja Audit Unit Overall and Performance Awards
13 Juni 2023 1. Sammy Kristamuljana 1. Kesiapan IT Security menghadapi Cyber Attack 1. Readiness of IT Security in dealing with Cyber
2. Reynold M Batubara 2. Internal Audit Result Attack
3. Robert A Simanjuntak 2. Internal Audit Result
18 Juli 2023 1. Sammy Kristamuljana 1. Perubahan Audit Plan 2023 1. Changes in the Audit Plan 2023
2. Reynold M Batubara 2. On Going Audit in Q2 2023 2. On Going Audit in Q2 2023
3. Robert A Simanjuntak 3. Audit Kick off in Q3 2023 3. Audit Kick off in Q3 2023
4. Audit Result and Key Issues Q2 2023 4. Audit Result and Key Issues Q2 2023
5. Progres Tindak Lanjut Hasil Temuan SKAI 5. Progres Tindak Lanjut Hasil Temuan SKAI
(Overdue Findings) (Overdue Findings)
6. Key Updates 6. Key Updates
10 Oktober 2023 1. Sammy Kristamuljana 1. Rencana Audit Laporan Keuangan PT. Bank 1. Audit Plan for the Financial Statements of PT
2. Reynold M Batubara Sinarmas Tbk. Tahun 2023 Bank Sinarmas Tbk. for 2023
3. Robert A Simanjuntak 2. Kesimpulan 2. Conclusion
27 Oktober 2023 1. Sammy Kristamuljana 1. Status On Going Audit in Q3 2023 1. Status On Going Audit in Q3 2023
2. Reynold M Batubara 2. Audit Kick off in Q4 2023 2. Audit Kick off in Q4 2023
3. Robert A Simanjuntak 3. Audit Result and Key Issues Q3 2023 3. Audit Result and Key Issues Q3 2023
4. Progres Tindak Lanjut Hasil Temuan SKAI 4. Progress of Follow-up on Internal Audit Unit
(Overdue Findings) Findings (Overdue Findings)
5. Key Updates
28 November 2023 1. Sammy Kristamuljana Update Temuan SKAI per November 2023 Update on Internal Audit Unit Findings as of
2. Reynold M Batubara November 2023
3. Robert A Simanjuntak
7 Desember 2023 1. Sammy Kristamuljana Laporan Hasil Audit periode September 2023 Audit Results Report for September 2023 period of
2. Reynold M Batubara PT. Bank Sinarmas Tbk. Tahun 2023 PT Bank Sinarmas Tbk. for the year 2023
3. Robert A Simanjuntak
7 Desember 2023 1. Sammy Kristamuljana Annual Audit Plan 2024 Annual Audit Plan 2024
2. Reynold M Batubara
3. Robert A Simanjuntak
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Laporan Pelaksanaan Tugas Komite Audit Report on Implementation of the Audit Committee’s
Duties
Sepanjang tahun 2023, Komite Audit Bank Sinarmas telah Throughout 2023, the Audit Committee of Bank Sinarmas carried
melaksanakan tugas dan tanggung jawab sebagai berikut. out the following duties and responsibilities:
1. Melakukan pertemuan dengan akuntan publik (AP) guna 1. Conducted meetings with the Public Accountant (PA) to
pembahasan temuan-temuan AP dalam pelaksanaan audit discuss the findings of PA in the implementation of audit in
tahun 2022. 2022.
2. Melakukan evaluasi terhadap kinerja kantor akuntan publik 2. Evaluated the performance of the Public Accounting Firm
(KAP) atas audit tahun 2022. (PAF) for the 2022 audit.
3. Memberi rekomendasi penunjukan KAP untuk audit tahun 3. Provided recommendation for the appointment of PAF for
buku 2023. audit in the 2023 fiscal year.
4. Melakukan pertemuan dengan AP guna membahas sifat dan 4. Conducted meetings with the PA to discuss the nature and
lingkup audit tahun 2023. scope of the 2023 audit.
5. Melakukan evaluasi terhadap program kerja SKAI tahun 5. Evaluated IAU’s work programs in 2023.
2023.
6. Mengadakan rapat-rapat membahas hasil pemeriksaan 6. Hold meetings to discuss the results of IAU audit on branch
SKAI atas kantor-kantor cabang dan unit kerja sebagaimana offices and work units in accordance with IAU’s 2023 work
program kerja SKAI tahun 2023. programs.
7. Memberikan rekomendasi kepada manajemen untuk 7. Provided recommendations to management to follow up on
menindaklanjuti hasil temuan SKAI. the findings of IAU.
8. Melakukan monitoring tindaklanjut rekomendasi Komite 8. Monitored the follow-up of the recommendations of the
Audit kepada manajemen terhadap hasil temuan SKAI. Audit Committee to the management on the findings of IAU.
9. Memberikan rekomendasi kepada SKAI terhadap cakupan 9. Provided recommendation to IAU for the scope of the annual
rencana audit tahunan. audit plan.
10. Memberi persetujuan atas Laporan Pelaksanaan dan Pokok- 10. Approved the Implementation Report and Main Results of the
pokok Hasil Audit Internal setiap semester untuk disampaikan Internal Audit every semester to be submitted to the Financial
ke Otoritas Jasa Keuangan. Services Authority.
11. Melakukan evaluasi terhadap implementasi kebijakan akuntansi 11. Evaluated the implementation of the latest accounting policies
terbaru dan kegiatan korporasi yang akan dilaksanakan. and corporate activities to be carried out.
12. Melakukan evaluasi terhadap akuntabilitas dan transparansi 12. Evaluating the accountability and transparency of financial
laporan keuangan. statements.
Pengembangan Kompetensi Komite Audit Audit Committee Competency Development
Bank Sinarmas memfasilitasi Komite Audit untuk mengikuti Bank Sinarmas facilitates the Audit Committee to participate
berbagai program pengembangan kompetensi. Langkah ini in various competency development programs. This step is
dilakukan untuk memastikan Komite Audit memiliki kompetensi carried out to ensure the Audit Committee has the necessary
yang diperlukan untuk menjalankan perannya secara efektif to effectively carry out its role in supporting the success and
dalam mendukung kesuksesan dan keberlanjutan Bank. sustainability of the Bank.
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko merupakan organ yang dibentuk untuk The Risk Monitoring Committee is an entity formed to strengthen
memperkuat pengawasan terhadap potensi risiko yang dapat supervision of the potential risks arising from the operational
timbul dari kegiatan operasional Bank. Komite ini juga memiliki activities of the Bank. This committee also plays a role in assessing
peran dalam menilai keselarasan antara kebijakan manajemen the alignment between risk management policies and their
risiko dengan implementasinya. implementation.
Pedoman Kerja Risk Monitoring Committee Charter
Komite Pemantau Risiko menjalankan tugas tanggung jawabnya In performing its duties and responsibilities, the Risk Monitoring
dengan berpedoman pada Piagam Komite Pemantau Risiko Rev Committee is guided by the Risk Monitoring Committee Charter
3.0. Piagam tersebut telah disahkan pada 16 Mei 2019 yang Rev. 3.0. The charter was ratified on May 16, 2019, consisting of:
memuat tentang:
1. Pembentukan dan Dasar Hukum; 1. Establishment and Legal Basis;
2. Susunan dan Syarat Keanggotaan; 2. Composition and Membership Terms;
3. Pengangkatan dan Pemberhentian; 3. Appointment and Dismissal;
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4. Tugas dan Tanggung Jawab; 4. Duties and Responsibilities;
5. Wewenang dan Masa Tugas; 5. Authority and Term of Service;
6. Kode Etik; 6. Code of Ethics;
7. Tata cara dan Prosedur Kerja; 7. Work Systems and Procedures
8. Ketentuan Rapat; 8. Terms of Meeting;
9. Pelaporan; dan 9. Reporting;
10. Masa Berlaku. 10. Validity Period.
Pengangkatan dan Pemberhentian Appointment and Dismissal
Anggota Komite Pemantau Risiko diangkat oleh Direksi Members of the Risk Monitoring Committee are appointed by the
berdasarkan keputusan rapat Dewan Komisaris. Board of Directors based on the meeting decision of the Board of
Commissioners.
Struktur dan Susunan Anggota Structure and Composistion of members of the Risk
Komite Pemantau Risiko Monitoring Committee
Anggota Komite Pemantau Risiko Bank Sinarmas, terdiri dari Members of the Risk Monitoring Committee of Bank Sinarmas
seorang Komisaris Independen sebagai Ketua, seorang Komisaris consist of an Independent Commissioner as the Chairperson,
Utama sebagai anggota, serta 2 orang Pihak Independen yang President Commissioner as a member, as well as 2 Independent
memiliki keahlian di bidang keuangan dan manajemen risiko. Parties whohave expertise in finance and risk management. The
Susunan anggota Komite Pemantau Risiko Bank per 31 Desember composition of the Bank’s Risk Monitoring Committee members
2023 diungkapkan sebagai berikut. as of December 31, 2023, is disclosed as follows.
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan Keahlian
Name Name Basis of Appointment Period and Term of Office Expertise
Ketua Perbankan dan Ekonomi.
Rusmin 2021-2024
Chairperson Surat Keputusan No. SK.085/2021/ Banking and Economics.
PRESDIR tentang Susunan Anggota
Ekonomi, Keuangan,
Komite Pemantau Risiko PT. Bank
Anggota dan Perbankan.
Tjendrawati Widijaja Sinarmas Tbk., yang dikeluarkan 2021-2024
Member Economics, Finance,
pada 1 Oktober 2021.
and Banking.
Decision Letter No. SK.074/2020/
Anggota (Pihak Independen) Ekonomi dan Keuangan.
Reynold M Batubara PRESDIR on the Composition of 2021-2024
Member (Independent Party) Economics and Finance.
Members of the Remuneration and
Nomination Committee of PT. Bank Ekonomi, Keuangan,
Anggota (Pihak Independen) Sinarmas Tbk. issued on October 26, dan Perbankan.
Robert A Simanjuntak 2021-2024
Member (Independent Party) 2020. Economics, Finance,
and Banking.
Profil Anggota Komite Pemantau Risiko Risk Monitoring Committee’s Profile
Profil anggota Komite Pemantau Risiko yang merupakan anggota The profiles of members of the Risk Monitoring Committee who
Dewan Komisaris telah disampaikan dalam bab Profil Perusahaan are also members of the Board of Commissioners have been
yang terdapat dalam Laporan Tahunan dan Keberlanjutan presented in the Company Profile section of this Annual and
ini. Anggota Komite Pemantau Risiko yang berasal dari Pihak Sustainability Report. Members of the Risk Monitoring Committee
Independen memiliki rangkap jabatan sebagai anggota Komite who come from Independent Parties also hold concurrent positions
Audit dengan profil sudah disampaikan pada bagian Profil as members of the Audit Committee, with their profiles already
Anggota Komite Audit. presented in the Profile of Audit Committee Members section.
Independensi Komite Pemantau Risiko Independency of the Risk Monitoring Committee
Bank menjamin bahwa seluruh anggota Komite Pemantau Risiko The Bank ensures that all members of the Risk Monitoring
bertindak secara independen dan tidak menerima/melakukan Committee act independently and do not receive/perform
intervensi dari/kepada pihak lainnya. Komite Pemantau Risiko juga interventions from/to other parties. The Risk Monitoring
tidak memiliki kepentingan serta keterkaitan yang bersifat pribadi Committee also does not have personal interests or connections
yang berpotensi menimbulkan benturan kepentingan (conflict of that could potentially create conflicts of interest with the Bank.
interest) dengan Bank. Hal tersebut tercermin melalui pernyataan This is reflected through the following statement of independence.
independensi berikut.
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Aspek Independensi Tjendrawati Robert A Reynold M
Rusmin
Independency Aspect Widjaja Simanjuntak Batubara
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
Does not have financial relationship with the Board of Commissioners and the Board
of Directors.
Tidak memiliki hubungan kepemilikan saham di Bank.
Does not have share ownership relationship in the Bank.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, serta perusahaan afiliasi.
Does not have management relationship in the Bank, Subsidiary, and affiliated company.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau
anggota Komite Pemantau Risiko.
Does not have family relationship with the Board of Commissioners, the Board of Directors,
Majority Shareholders, and/or among members of the Risk Monitoring Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Does not hold position as administrator of political party, state, and government
Tugas dan Tanggung Jawab Komite Pemantau Risiko Duties and Responsibilities of the
Risk Monitoring Committee
Tugas dan tanggung jawab Komite Pemantau Risiko Bank Duties and responsibilities of the Risk Monitoring Committee of
Sinarmas, yakni: Bank Sinarmas are as follows:
1. Memberikan rekomendasi kepada Dewan Komisaris dalam 1. Providing recommendations to the Board of Commissioners in
rangka meningkatkan efektivitas Bank, terkait: order to improve the Bank’s effectivity related to:
a. Evaluasi tentang kesesuaian antara kebijakan manajemen a. Evaluation of conformity between risk management policies
risiko dengan pelaksanaan kebijakan Bank; and the implementation of the Bank policies;
b. Pemantauan dan evaluasi pelaksanaan tugas Komite b. Monitoring and evaluating the implementation of duties of
Manajemen Risiko dan Satuan Kerja Manajemen Risiko the Risk Management Committee and Risk Management
(SKMR); dan Work Unit (SKMR);
2. Memberikan rekomendasi kepada Dewan Komisaris atas 2. Providing recommendations to the Board of Commissioners
kebijakan yang telah diambil oleh Manajemen berkaitan on policies that have been taken by Management related to
dengan manajemen risiko dan memastikan kebijakan risk management and ensuring that risk management policies
manajemen risiko telah dilaksanakan dengan baik. have been implemented properly.
Wewenang Komite Pemantau Risiko Authority of the Risk Monitoring Committee
Wewenang Komite Pemantau Risiko Bank, antara lain: Authority of the Bank’s Risk Monitoring Committee are as follows:
1. Memperoleh dokumen, data, dan informasi tentang Bank yang 1. To access documents, data, and information of the Bank
berkaitan dengan tugas dan tanggung jawab komite; dan related to the Committee’s duties and responsibilities; and
2. Melakukan koordinasi dengan Risk Management Group atau 2. To coordinate with SKMR or other work units if necessary.
unit kerja lainnya apabila diperlukan.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting
Rapat Komite Pemantau Risiko diselenggarakan minimal 4 kali The Risk Monitoring Committee meeting is held at least 4 times
dalam setahun. Rapat tersebut dihadiri oleh paling sedikit 51% a year. The meeting is attended by at least 51% of the total
dari jumlah anggota, termasuk seorang Komisaris Independen dan members, including one Independent Commissioner and one
seorang Pihak Independen. Pada tahun 2023, Komite Pemantau Independent Party. In 2023, the Risk Monitoring Committee held
Risiko telah menyelenggarakan rapat sebanyak 8 kali, dengan a total of 8 meetings, with the following attendance rates.
tingkat kehadiran sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance Rate
Name Position Total Meeting Total Attendance
(%)
Ketua
Rusmin 8 8 100,00
Chairperson
Anggota
Tjendrawati Widijaja 8 6 75,00
Member
Anggota (Pihak Independen)
Reynold M Batubara 8 8 100,00
Member (Independent Party)
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Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance Rate
Name Position Total Meeting Total Attendance
(%)
Anggota (Pihak Independen)
Robert A Simanjuntak 8 8 100,00
Member (Independent Party)
Informasi mengenai pelaksanaan Rapat Komite Pemantau Risiko, Information regarding the implementation of the Risk Monitoring
mulai dari tanggal, peserta, dan agenda diungkapkan pada tabel Committee Meetings including date, participants and agenda is
berikut. disclosed in the following table.
Tanggal Peserta Agenda
Date Participants Agenda
18 Januari 2023 1. Rusmin 1. Tindak lanjut rekomendasi Rapat Komite 1. Follow-up on recommendations from the
2. Reynold M Batubara Manajemen Risiko dan Komite Pemantau Risiko previous periods' Risk Management Committee
3. Robert A Simanjuntak periode sebelumnya. and Risk Monitoring Committee meetings.
2. Risk Highlight Bank Semester II – Desember 2022 2. The Bank’s Risk Highlights for the Second
Semester – December 2022.
3. Proposal Laporan Tingkat Kesehatan Bank 3. Proposal for Bank Soundness Level Report for
Semester II & Profil Risiko UUS Triwulan IV the Second Semester & Risk Profile of Sharia
Periode 31 Desember 2022 Business Unit (UUS) for the Fourth Quarter as of
December 31, 2022
3.1 Proposal Laporan Tingkat Kesehatan Bank SII 3.1 Proposal for Bank Soundness Level Report for
– 31 Desember 2022 the Second Semester –December 31, 2022
3.2 Proposal Laporan Profil Risiko Bank SII - 31 3.2 Proposal for Bank Risk Profile Report for the
Desember 2022 Second Semester –December 31, 2022
3.3 Proposal Laporan Profil Risiko UUS Triwulan 3.3 Proposal for Sharia Business Unit Risk Profile
IV – 31 Desember 2022 Report for the Fourth Quarter –December
31, 2022
3.4 Proposal Laporan Tata Kelola, Rentabilitas, 3.4 Proposal for Governance, Profitability, and
Permodalan SII – 31 Desember 2022 Capital Report for the Second Semester –
December 31, 2022
4. Proposal Laporan Stress Testing Bank Semester 4. Proposal for the Bank’s Stress Testing Report for
II – 31 Desember 2022 the Second Semester - December 31, 2022
5. Proposal Laporan Internal Capital Adequacy 5. Proposal for Internal Capital Adequacy
Assessment Process (ICAAP) Semester II – 31 Assessment Process (ICAAP) Report for the
Desember 2022 Second Semester – December 31, 2022
6. Pelampauan Risk Appetite & Risk Tolerance 6. Risk Appetite & Risk Tolerance Excess for the
Triwulan IV – Desember 2022 (Oktober, Fourth Quarter – December 2022 (October,
November, Desember) November, December)
7. Pemantauan Realisasi Rasio Pembiayaan Inklusif 7. Monitoring of the Realization of Macroprudential
Makroprudensial (RPIM) Posisi Desember 2022 Inclusive Financing Ratio (RPIM) as of December
2022
8. Pemantauan dan Pelaporan Perkembangan 8. Monitoring and Reporting on the Progress of
Restrukturisasi Covid-19 Posisi Triwulan IV – Covid-19 Restructuring as of the Fourth Quarter
Desember 2022 – December 2022
9. Asumsi dan Skenario Stress Testing Bank posisi 9. Assumptions and Stress Testing Scenarios for
31 Desember 2022 the Bank as of December 31, 2022
14 April 2023 1. Rusmin 1. Kinerja Keuangan Periode Maret 2023 Laporan 1. Financial Performance for March 2023 Period
2. Tjendrawati Widjaja 2. Penerapan Strategi Anti-Fraud Periode Triwulan Report
3. Reynold M Batubara IV/2022 & I/2023 2. Implementation of Anti-Fraud Strategy for
4. Robert A Simanjuntak Quarter IV/2022 & I/2023
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Tanggal Peserta Agenda
Date Participants Agenda
26 April 2023 1. Rusmin 1. Tindak Lanjut Rekomendasi Rapat Komite 1. Follow-up on Recommendations from Previous
2. Tjendrawati Widjaja Manajemen Risiko dan Komite Pemantau Risiko Periods' Risk Management Committee and Risk
3. Reynold M Batubara Periode Sebelumnya. Monitoring Committee Meetings.
4. Robert A Simanjuntak 2. Risk Highlight Bank Triwulan I – Maret 2023 2. The Bank Risk Highlight for the first quarter –
March 2023
3. Laporan Profil Risiko Bank dan UUS Triwulan I – 3. Risk Profile Reports for Banks and UUS for the
Maret 2023 First Quarter – March 2023
3.1 Proposal Laporan Profil Risiko Bank 1.1 Proposal for Bank Risk Profile Report
(Konsolidasi) 31 Maret 2023 (Consolidated) March 31, 2023
3.2 Proposal Laporan Profil Risiko UUS 31 Maret 1.2 Proposal for UUS Risk Profile Report March
2023 31, 2023
4. Simulasi Peringkat Tingkat Kesehatan Bank 4. Simulation of Consolidated Bank Soundness
Konsolidasi Posisi 31 Maret 2023 (Tata Kelola, Level as of March 31, 2023 (Governance,
Rentabilitas & Permodalan) Profitability & Capital)
5. Pelampauan Risk Appetite & Risk Tolerance 5. Risk Appetite & Risk Tolerance Excess for
Triwulan I – 31 Maret 2023 (Januari, Februari, the First Quarter –March 31, 2023 (January,
Maret) February, March)
6. Pemantauan Realisasi Rasio Pembiayaan Inklusif 6. Supervision of the Realization of the
Makroprudensial (RPIM) Posisi Maret 2023 Macroprudential Inclusive Financing Ratio
7. Pemantauan dan Pelaporan Perkembangan (RPIM) as of March 2023
Restrukturisasi Covid-19 Posisi 31 Maret 2023 7. Supervision and Reporting on the Progress of
8. Stress Testing Risiko Kredit terhadap Restrukturisasi Covid-19 Restructuring as of March 31, 2023
Debitur Covid-19 yang telah disetujui Direksi dan 8. Credit Risk Stress Testing for Covid-19 Debtor
Dewan Komisaris tanggal 13 April 2023 Restructuring Approved by the Board of Directors
and Board of Commissioners on April 13, 2023.
9. Realisasi Program Kerja Komite Pemantau 9. Implementation of the Risk Monitoring
Risiko 2022 dan Proposal Program Kerja Komite Committee's 2022 Work Program and Proposal
Pemantau Risiko Tahun 2023 for the Risk Monitoring Committee's 2023
Work Program.
26 Juni 2023 1. Rusmin 1. Penilaian Profil Risiko Terkait Keamanan dan 1. Assessment of Cyber Security and Resilience
2. Tjendrawati Widjaja Ketahanan Siber Risk Profile
3. Reynold M Batubara 1.1 Latar Belakang dan Tujuan 1.1 Background and Objectives
4. Robert A Simanjuntak 1.2 Proposal Persetujuan Bobot Perhitungan, 1.2 Proposal for Approval of Weight Calculation,
Parameter, Rentang Risiko, dan Bobot Risiko Parameters, Risk Range, and Risk Weight
dalam Penilaian Risiko terkait Keamanan in the Assessment of Cyber Security and
dan ketahanan Siber Resilience-Related Risks
1.3 Proposal Persetujuan Hasil Penilaian 1.3 Proposal for Approval of Cyber Security and
Risiko terkait Keamanan dan Ketahanan Resilience Risk Assessment Results for the
Siber Periode Desember 2022 yang akan December 2022 Period to be Submitted to
Disampaikan kepada Regulator Paling the Regulator No Later Than June 30, 2023
Lambat tanggal 30 Juni 2023
2. Metodologi Perhitungan ATMR Risiko Pasar 2. Calculation Methodology for Market Risk ATMR
Basel 3 Reform – Fundamental Review of The Basel 3 Reform - Fundamental Review of The
Trading Book (FRTB) Trading Book (FRTB)
2.1 Latar Belakang dan Tujuan 2.1 Background and Objectives
2.2 Basel 3 Reform – Pengaturan Trading Desk 2.2 Basel 3 Reform - Trading Desk Regulation
2.3 Metodologi Perhitungan ATMR Risiko Pasar 3.3 Calculation Methodology for Market Risk
Basel 3 Reform ATMR Basel 3 Reform
2.4 Simulasi Perbandingan Perhitungan ATMR 2.4 Simulation of Comparison of Market Risk
Risiko Pasar Basel 3 Reform - FRTB ATMR Calculation Basel 3 Reform – FRTB
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Tanggal Peserta Agenda
Date Participants Agenda
24 Juli 2023 1. Rusmin 1. Tindak Lanjut Rekomendasi Rapat Komite 1. Follow-up on Recommendations from Previous
2. Tjendrawati Widjaja Manajemen Risiko dan Komite Pemantau Risiko Periods' Risk Management Committee and Risk
3. Reynold M Batubara periode sebelumnya Monitoring Committee Meetings
4. Robert A Simanjuntak 2. Risk Highlight Bank Semester I – Juni 2023 2. The Bank Risk Highlights for the First Semester -
June 2023
3. Laporan Tingkat Kesehatan Bank Semester I – Juni 3. The Bank Soundness Level Report for the First
2023 & Profil Risiko UUS Triwulan II – Juni 2023 Semester - June 2023 & Risk Profile of the Sharia
Business Unit (UUS) for the Second Quarter -
June 2023
3.1 Laporan Tingkat Kesehatan Bank Semester 3.1 The Bank Soundness Level Report for the
I – Juni 2023 First Semester - June 2023
3.2 Laporan Profil Risiko Bank Semester I – Juni 3.2 The Bank Risk Profile Report for the First
2023 Semester - June 2023
3.3 Laporan Profil Risiko UUS Triwulan II – Juni 3.3 The Sharia Business Unit (UUS) Risk Profile
2023 Report for the Second Quarter - June 2023
3.4 Laporan Tata Kelola, Rentabilitas, Permodalan 3.4 Governance, Profitability, and Capital
Semester I - Juni 2023 Report for the First Semester - June 2023
4. Laporan Stress Testing Bank Semester I – Juni 2023 4. Bank Stress Testing Report for the First Semester
- June 202
5. Laporan Internal Capital Adequacy Assessment 5. Internal Capital Adequacy Assessment Process
Process (ICAAP) Semester I - Juni 2023 (ICAAP) Report for the First Semester - June 2023
6. Pelampauan Risk Appetite & Risk Tolerance 6. Risk Appetite & Risk Tolerance Excess for the
Triwulan II - Juni 2023 (April, Mei, Juni) Second Quarter - June 2023 (April, May, June)
7. Pemantauan Realisasi Rasio Pembiayaan Inklusif 7. Monitoring of the Realization of the
Makroprudensial (RPIM) Posisi Juni 2023 Macroprudential Inclusive Financing Ratio
(RPIM) as of June 2023
8. Pemantauan dan Pelaporan Restrukturisasi 8. Monitoring and Reporting on Covid-19
Covid 19 Triwulan II – Juni 2023 Restructuring for the Second Quarter - June 2023
18 Oktober 2023 1. Rusmin 1. Tindak Lanjut Rekomendasi Rapat Komite 1. Follow-up on Recommendations from Previous
2. Reynold M Batubara Manajemen Risiko dan Komite Pemantau Risiko Periods' Risk Management Committee and Risk
3. Robert A Simanjuntak Periode Sebelumnya Monitoring Committee Meetings
2. Risk Highlight Bank Triwulan III – September 2023 2. The Bank Risk Highlights for the Third Quarter -
September 2023
3. Proposal Laporan Profil Risiko Bank & UUS 3. Proposal for Bank & the Sharia Business Unit
Triwulan III – September 2023 (UUS) Risk Profile Reports for the Third Quarter
- September 2023
3.1 Proposal Laporan Profil Risiko Bank 3.1 Proposal for the Bank Risk Profile Report
(Konsolidasi) Triwulan III – September 2023 (Consolidated) for the Third Quarter -
September 2023;
3.2 Proposal Laporan Profil Risiko UUS Triwulan 3.2 Proposal for the Sharia Business Unit (UUS)
III – September 2023 Risk Profile Report for the Third Quarter -
September 2023
3.3 Proposal Penyesuaian Parameter Profil Risiko 3.3 Proposal for Adjustment of Parameters in UUS
UUS untuk Risiko Pasar dan Risiko Likuiditas Risk Profile for Market Risk and Liquidity Risk
4. Simulasi Peringkat Tingkat Kesehatan Bank 4. Simulation of Bank Soundness Level
(Konsolidasi) Posisi 30 September 2023 (Tata (Consolidated) as of September 30, 2023
Kelola, Rentabilitas, dan Permodalan) (Governance, Profitability, and Capital);
5. Proposal Penyelarasan Penerapan Manajemen 5. Proposal for Alignment of Risk Management
Risiko sesuai Peraturan Otoritas Jasa Keuangan Implementation according to the Financial
No. 17 Tahun 2023 tentang Penerapan Tata Services Authority Regulation No. 17 of 2023 on
Kelola Bagi Bank Umum dalam hal Komite Implementation of Governance for Commercial
Manajemen Risiko dan Komite Pemantauan Risiko Banks regarding the Risk Management
Committees and the Risk Monitoring Committees
6. Pelampauan Risk Appetite & Risk Tolerance 6. Risk Appetite & Risk Tolerance Excess for the
Triwulan III – September 2023 (Juli, Agustus, Third Quarter - September 2023 (July, August,
September) September)
7. Proposal Persetujuan Penetapan Risk Appetite & 7. Proposal for Approval of Determination of Risk
Risk Tolerance Parameter Deposan Inti Appetite & Risk Tolerance Parameters for Core
Depositors
8. Pemantauan Realisasi Rasio Pembiayaan Inklusif 8. Monitoring of the Realization of the
Makroprudensial (RPIM) Posisi September 2023 Macroprudential Inclusive Financing Ratio
(RPIM) as of September 2023
9. Pemantauan dan Pelaporan Restrukturisasi 9. Monitoring and Reporting on Covid-19 Impact
Kredit Dampak Covid-19 Triwulan III – Credit Restructuring for the Third Quarter -
September 2023 September 2023
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Tanggal Peserta Agenda
Date Participants Agenda
28 November 2023 1. Rusmin Kinerja Keuangan Periode Oktober 2023 dan Financial Performance for October 2023 period
2. Tjendrawati Widjaja Target 2024 and Target in 2024
3. Reynold M Batubara
4. Robert A Simanjuntak
18 Desember 2023 1. Rusmin Laporan Penerapan Strategi Anti-Fraud Periode Anti-Fraud Strategy Implementation Report for the
2. Tjendrawati Widjaja Triwulan II & III Tahun 2023 Second & Third Quarter Period of 2023
3. Reynold M Batubara
4. Robert A Simanjuntak
Laporan Pelaksanaan Tugas Komite Pemantau Risiko Report on Implementation of the Risk Monitoring
Committee’s Duties
Sepanjang tahun 2023, Komite Pemantau Risiko Bank Sinarmas During 2023, the Risk Monitoring Committee of Bank Sinarmas
telah melaksanakan tugas dan tanggung jawab sebagai berikut. carried out its duties and responsibilities as follows.
1. Mengevaluasi kesesuaian antara Kebijakan Manajemen Risiko 1. Evaluated the alignment between the Risk Management
dengan pelaksanaan kebijakan Bank disesuaikan dengan Policies and the implementation of the Bank’s policies adjusted
tujuan, kebijakan usaha, ukuran dan kompleksitas usaha to objectives, business policies, size, and business complexity,
serta kemampuan Bank, antara lain melalui monitoring as well as the Bank’s capabilities including through monitoring
pelaksanaan Risk Appetite & Risk Tolerance Bank. the adoption of Risk Appetite & Risk Tolerance of the Bank.
2. Mengevaluasi dan memantau strategi agar selalu mampu 2. Evaluated and monitored strategy execution to maintain
mempertahankan peringkat Tingkat Kesehatan Bank (Profil the Bank’s Soundness Level (Risk Profile, Good Corporate
Risiko, Good Corporate Governance, Rentabilitas dan Governance, Earnings, and Capital) at rank 2 or falling under
Permodalan) pada peringkat 2 atau SEHAT - Bank dan UUS. HEALTHY category- the Bank and the Sharia Business Units
(UUS).
3. Memantau posisi/eksposur risiko secara keseluruhan, maupun 3. Monitored overall or individual risk positions/exposures
per risiko termasuk pemantauan kepatuhan terhadap toleransi including monitoring compliance with the agreed risk
risiko dan limit yang ditetapkan (Risk Appetite & Risk Tolerance). tolerances and limits (risk appetite & risk tolerance).
4. Melakukan pengawasan terhadap proses mitigasi risiko 4. Actively oversaw the risk mitigation process (active plan) run
(action plan) secara aktif yang dilakukan oleh risk taking unit, by the risk-taking unit, internal control system, and oversaw
sistem pengendalian internal, serta pengawasan terhadap the development of a risk awareness culture across the Bank’s
pengembangan budaya sadar risiko pada seluruh Unit Kerja Bank. all work units.
5. Monitoring dan/atau mendapatkan informasi mengenai 5. Monitored and/or obtained information regarding the
skenario dan hasil stress testing Bank 2023. scenarios and results of the Bank’s stress testing 2023.
6. Melakukan pengawasan dan/atau pemantauan terkait 6. Oversaw and/or monitored the provisions and trial of the
Ketentuan dan Uji Coba Contingency Funding Plan dan Contingency Funding Plan and Short-Term Liquidity Loans
Pinjaman Likuiditas Jangka Pendek (PLJP) Bank Indonesia. (PLJP) of Bank Indonesia.
7. Mengevaluasi dan memantau realisasi Rencana Bisnis Bank 7. Evaluated and monitored the Bank’s Business Plan realization
2023-2025. in 2023-2025.
8. Pemantauan dan evaluasi penerapan Strategi Anti-Fraud. 8. Monitored and evaluated the implementation of Anti-Fraud
strategy.
Pengembangan Kompetensi Komite Pemantau Risiko Risk Monitoring Committee’s Competency Development
Bank Sinarmas memfasilitasi Komite Pemantau Risiko untuk Bank Sinarmas facilitates the Risk Monitoring Committee to
mengikuti berbagai program pengembangan kompetensi. Langkah participate in various competency development programs as a step
ini dilakukan untuk memastikan Komite Pemantau Risiko memiliki to ensure that the Risk Monitoring Committee has the competency
kompetensi yang diperlukan untuk menjalankan perannya secara needed to carry out its role effectively in supporting the success and
efektif dalam mendukung kesuksesan dan keberlanjutan Bank. sustainability of the Bank. Information regarding the competency
Informasi mengenai program pengembangan kompetensi Komite development program for the Risk Monitoring Committee, who
Pemantau Risiko yang merupakan anggota Dewan Komisaris telah are members of the Board of Commissioners, has been presented
disampaikan dalam uraian Pengembangan Kompetensi Dewan in the description of the Board of Commissioners’ Competency
Komisaris, sedangkan anggota Komite Pemantau Risiko yang Development, while members of the Risk Monitoring Committee
berasal dari Pihak Independen telah disampaikan pada uraian originating from Independent Parties have been presented in the
Pengembangan Kompetensi Komite Audit. description of the Audit Committee’s Competency Development.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi dibentuk untuk membantu The Remuneration and Nomination Committee is established to
Dewan Komisaris menjalankan fungsi remunerasi dan nominasi help the Board of Commissioners in carrying out the remuneration
sesuai dengan ketentuan dan prinsip-prinsip GCG. Komite ini juga and nomination functions in line with provisions and GCG
menjalankan fungsi remunerasi dan nominasi bagi anggota Dewan principles. This committee also carries out the remuneration and
Komisaris, Direksi, anggota organ pendukung Dewan Komisaris, nomination functions for members of the Board of Commissioners,
serta kerangka remunerasi dan nominasi bagi Pejabat Eksekutif Bank. the Board of Directors, members of the supporting organs
of the Board of Commissioners, as well as the framework for
remuneration and nomination for the Bank’s Executive Officers.
Pedoman Kerja Remuneration and Nomination Committee Charter
Komite Remunerasi dan Nominasi menjalankan tugas tanggung The Remuneration and Nomination Committee carries out its
jawabnya dengan berpedoman pada Piagam Komite Remunerasi duties and responsibilities based on the Remuneration and
dan Nominasi Rev 3.0. Piagam tersebut telah disahkan pada 25 Nomination Committee Charther Rev. 3.0. The charter was
April 2019 yang memuat tentang: ratified on April 25, 2019 consisting of:
1. Pembentukan dan Susunan Keanggotaan; 1. Establishment and Membership Composition;
2. Ketentuan; 2. Provisions;
3. Pengangkatan dan Pemberhentian; 3. Appointment or Dismissal;
4. Tugas dan Tanggung Jawab; 4. Duties and Responsibilities;
5. Kewenangan; 5. Authority;
6. Masa Tugas; 6. Term of Service;
7. Kode Etik; 7. Code of Ethics;
8. Kewajiban; 8. Obligations;
9. Tata Cara dan Prosedur Kerja; 9. Work System and Procedures;
10. Ketentuan Rapat; dan 10. Terms of Meeting; and
11. Masa Berlaku. 11. Validity Period.
Pengangkatan dan Pemberhentian Appointment and Dismissal
Anggota komite remunerasi dan nominasi diangkat dan Members of the Remuneration and Nomination Committee are
diberhentikan berdasarkan keputusan rapat Dewan Komisaris appointed and dismissed based on the decision of the Board of
untuk masa jabatan tertentu. Commmissioner meeting for a certain term of office.
Struktur dan Susunan Anggota Komite Remunerasi Structure and Composition of Members of the Remuneration
dan Nominasi and Nomination Committee
Anggota Komite Remunerasi dan Nominasi Bank Sinarmas, Members of the Remuneration and Nomination Committee of Bank
terdiri dari seorang Komisaris Independen sebagai Ketua, Sinarmas consist of an Independent Commissioner as chairperson,
serta seorang Komisaris Utama dan pihak yang menduduki along with a President Commissioner and an individual holding a
jabatan manajerial di bawah Direksi yang membidangi managerial position under the Board of Directors responsible for
sumber daya manusia (SDM) sebagai anggota. Susunan human resources (HR) as members. The composition of the Bank’s
anggota Komite Remunerasi dan Nominasi Bank per Remuneration and Nomination Committee as of December 31,
31 Desember 2023 diungkapkan sebagai berikut. 2023, is disclosed as follows.
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan Keahlian
Name Position Basis of Appointment Period and Term of Office Expertise
Rusmin Ketua Surat Keputusan No. SK.074/2020/PRESDIR 2020-2023 Perbankan dan Ekonomi.
Chairperson tentang Susunan Anggota Komite Remunerasi Banking and Economics.
dan Nominasi PT. Bank Sinarmas Tbk. yang
dikeluarkan pada 26 Oktober 2020.
Tjendrawati Widijaja Anggota 2020-2023 Ekonomi, Keuangan,
Member Decision Letter No. SK.074/2020/PRESDIR dan Perbankan.
on the Composition of Members of the Economics, Finance,
Remuneration and Nomination Committee and Banking.
of PT Bank Sinarmas Tbk issued on October
Christina Suryadinata Anggota 26, 2020. 2020-2023 Manajemen SDM.
Member HR Management.
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Profil Anggota Komite Remunerasi dan Nominasi Remuneration and Nomination Committee’s Profile
Profil anggota Komite Remunerasi dan Nominasi yang merupakan The profiles of the members of the Remuneration and Nomination
anggota Dewan Komisaris telah disampaikan dalam bab Committee who are members of the Board of Commissioners
Profil Perusahaan yang terdapat dalam Laporan Tahunan dan have been presented in the Company Profile section in this Annual
Keberlanjutan ini. and Sustainability Report.
Dasar Hukum Pengangkatan
Legal Basis of Appointment
Surat Keputusan No. SK.074/2020/PRESDIR tentang Susunan Anggota Komite Remunerasi
dan Nominasi PT. Bank Sinarmas Tbk. yang dikeluarkan pada 26 Oktober 2020.
Decision Letter No. SK.074/2020/PRESDIR on the Composition of Members of the
Remuneration and Nomination Committee of PT. Bank Sinarmas Tbk. issued on
October 26, 2020.
Riwayat Pendidikan
Educational Background
Sarjana Ekonomi Universitas Parahyangan, Bandung (1999).
Bachelor of Economics from Parahyangan University, Bandung (1999).
Riwayat Pekerjaan
Work Experiences
• Head of Network & Consumer Lending Business Finance PT Bank Permata Tbk
(2013-2016); dan
• Head of PFS Strategic Business Planning PT Bank UOB Indonesia (2008-2013).
• Head of Network & Consumer Lending Business Finance of PT Bank Permata Tbk
(2013-2016); and
• Head of PFS Strategic Business Planning of PT Bank UOB Indonesia (2008-2013).
Christina Suryadinata Rangkap Jabatan
Concurrent Position
Anggota
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Member
Has no concurrent positions, either at banks, companies, and/or other institutions.
Kewarganegaraan / Citizenship
Indonesia Sertifikasi Profesi
Professional Certification
• Uji Kompetensi Manajemen Risiko (UKMR) Jenjang 5 atau Level 2 untuk skema lama;
Domisili / Domicile • Refreshment Uji Kompetensi Manajemen Risiko (UKMR) 5 atau Level 2 untuk skema
Jakarta lama; dan
• Sertifikasi Manajemen Sumber Daya Manusia (MSDM) Level Manager.
• Risk Management Competency Test (UKMR) Level 5 or Level 2 for the old scheme;
Usia / Age • Risk Management Competency Test (UKMR) Level 5 or Level 2 Refreshment for the
old scheme; and
46 tahun / years old
• Human Resources Management (MSDM) Certification at the Manager Level.
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan
Pemegang Saham Pengendali.
Has no affiliated relationships with the Board of Commissioners, the Board of Directors,
or Controlling Shareholders.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Independensi Komite Remunerasi dan Nominasi Independency of the Remuneration and Nomination
Committee
Bank menjamin bahwa seluruh anggota Komite Remunerasi dan The Bank ensures that all members of the Remuneration and
Nominasi bertindak secara independen dan tidak menerima/ Nomination Committee act independently and do not receive/
melakukan intervensi dari/kepada pihak lainnya. Komite perform interventions from/to other parties. The Remuneration
Remunerasi dan Nominasi juga tidak memiliki kepentingan serta and Nomination Committee also does not have any personal
keterkaitan yang bersifat pribadi yang berpotensi menimbulkan interests or affiliations that may potentially cause conflicts of
benturan kepentingan (conflict of interest) dengan Bank. Hal interest with the Bank. This is reflected through the following
tersebut tercermin melalui pernyataan independensi berikut. independence statement
Aspek Independensi Tjendrawati Christina
Rusmin
Independency Aspect Widjaja Suryadinata
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi.
Does not have financial relationship with the Board of Commissioners and the Board of
Directors.
Tidak memiliki hubungan kepemilikan saham di Bank.
Does not have share ownership relationship in the Bank.
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, serta perusahaan afiliasi.
Does not have management relationship in the Bank, Subsidiary, and affiliated company.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota
Komite Audit.
Does not have family relationship with the Board of Commissioners, the Board of
Directors, and/or members of the Audit Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat, dan pemerintah.
Does not hold position as administrator of political party, state, and government
Tugas dan Tanggung Jawab Komite Remunerasi dan Duties and Responsibility of the Remuneration and
Nominasi Nomination Committee
Tugas dan tanggung jawab Komite Remunerasi dan Nominasi The Remuneration and Nomination Committee duties and
Bank Sinarmas, yakni: responsibility of Bank Sinarmas include:
Terkait dengan Fungsi Remunerasi: Related to Remuneration Function:
1. Melakukan evaluasi terhadap kebijakan remunerasi yang 1. Evaluating the remuneration policy based on performance,
didasarkan atas kinerja, risiko, kewajaran dengan peer group, risk, fairness with peer groups, the Bank’s long-term goals
sasaran dan strategi jangka panjang Bank, pemenuhan cadangan and strategies, meeting reserves as stipulated in laws and
sebagaimana diatur dalam peraturan perundang-undangan dan regulations and potential income of the Bank in the future.
potensi pendapatan Bank pada masa yang akan datang;
2. Menyampaikan hasil evaluasi dan rekomendasi kepada 2. Delivering results of evaluation and recommendations to the
Dewan Komisaris mengenai: Board of Commissioners on:
a. Kebijakan remunerasi bagi Direksi dan Dewan Komisaris a. Remuneration policy for the Board of Directors and the Board
untuk disampaikan kepada RUPS; of Commissioners at the General Meeting of Shareholders;
b. Kebijakan remunerasi bagi pegawai secara keseluruhan b. Comprehensive remuneration policy for employees to be
untuk disampaikan kepada Direksi; proposed to the Board of Directors;
3. Memastikan bahwa kebijakan remunerasi telah sesuai dengan 3. Ensuring that the remuneration policy complies with
ketentuan yang berlaku; applicaple provisions;
4. Melakukan evaluasi secara berkala terhadap penerapan 4. Making periodic evaluation of the implementation of the
kebijakan remunerasi; dan remuneration policy; and
5. Dalam menetapkan kebijakan remunerasi yang bersifat 5. In establishing remuneration policy, the Remuneration
variabel, komite remunerasi wajib berkoordinasi dengan Risk Committee must coordinate with the Risk Management Group.
Management Group.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Terkait dengan Fungsi Nominasi: Related to Nomination Function:
1. Menyusun dan memberikan rekomendasi mengenai sistem 1. Preparing and providing recommendation on the system
serta prosedur pemilihan dan/atau penggantian anggota and procedures for selecting and/or replacing members
Direksi dan anggota Dewan Komisaris kepada Dewan of the Board of Directors and members of the Board of
Komisaris untuk disampaikan kepada RUPS; Commissioners to the Board of Commissioners to be proposed
at the General Meeting of Shareholders;
2. Memberikan rekomendasi mengenai calon anggota Direksi 2. Giving recommendation on the prospective members of the
dan/atau calon anggota Dewan Komisaris kepada Dewan Board of Director and/or prospective members of the Boad
Komisaris untuk disampaikan kepada RUPS; of Commissioners to the Board of Commissioners to be
proposed at the General Meeting of Shareholders;
3. Memberikan rekomendasi mengenai Pihak Independen yang 3. Providing recommendation on Independent Parties who will
akan menjadi anggota komite audit serta anggota komite become members of the Audit Committee and members of the
pemantau risiko kepada Dewan Komisaris; Risk Monitoring Committee to the Board of Commissioners;
4. Membantu Dewan Komisaris melakukan penilaian kinerja 4. Assisting the Board of Commissioners in evaluating the
anggota Direksi dan/atau anggota Dewan Komisaris berdasarkan performance of members of the Board of Directors and/
tolak ukur yang telah disusun sebagai bahan evaluasi; or members of the Board of Commissioners based on
benchmarks that have been prepared as evaluation material;
5. Memberikan rekomendasi kepada Dewan Komisaris mengenai 5. Giving recommendation to the Board of Commissioners
program pengembangan kemampuan anggota Direksi dan/ related to capacity building programs for members of the
atau Dewan Komisaris; Board of Directors and/or the Board of Commissioners.
6. Memberikan rekomendasi kepada Dewan Komisaris 6. Providing recommendation to the Board of Commissioners
mengenai: related to:
a. Komposisi jabatan anggota Direksi dan/atau anggota a. Composition of members of the Board of Directors and/or
Dewan Komisaris; members of the Board of Commissioners;
b. Kebijakan dan kriteria yang dibutuhkan dalam proses b. Policies and criteria needed in the nomination process;
Nominasi; dan and
c. Kebijakan evaluasi kinerja bagi anggota Direksi dan/ atau c. Performance evaluation policy for members of the Board
anggota Dewan Komisaris. of Directors and/or the Board of Commissioners.
Anggota Komite Remunerasi dan Nominasi yang memiliki Any members of the Remuneration and Nomination Committee
benturan kepentingan (conflict of interest) dengan usulan yang who happens to have conflict of interest with the recommended
direkomendasikan, diwajibkan mengungkapkan hal tersebut proposal must disclose it in the recommended proposal.
dalam rekomendasinya.
Wewenang Komite Remunerasi dan Nominasi Authority of the Remuneration and Nomination
Committee
Wewenang Komite Remunerasi dan Nominasi Bank, antara lain: The Bank’s Remuneration and Nomination Committee authority
includes:
1. Memperoleh dokumen, data, dan informasi tentang Perseroan 1. To access documents, data, and information needed related
yang diperlukan; to the Company;
2. Melakukan koordinasi dengan Human Capital Management 2. To coordinate with Human Capital Management or other
atau unit kerja lainnya apabila diperlukan; dan work units if needed; and
3. Melakukan kewenangan lain yang diberikan Dewan Komisaris 3. To carry out other authorities granted by the Board of
terkait remunerasi dan nominasi. Commissioners related to the remuneration and nomination.
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun Based on Financial Services Authority Regulation No. 17 of 2023
2023 tentang Penerapan Tata Kelola bagi Bank Umum, Komite on the Implementation of Governance for Commercial Banks, the
Remunerasi dan Nominasi wajib menyelenggarakan rapat paling Remuneration and Nomination Committee must hold meeting
sedikit 1 kali dalam 3 bulan. Pada tahun 2023, Komite Remunerasi at least once in three months. In 2023, the Remuneration and
dan Nominasi telah menyelenggarakan rapat sebanyak 6 kali, Nomination Committee held 6 meeting, with attendance rate as
dengan tingkat kehadiran sebagai berikut. follows.
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Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance Rate
Name Position Total Meeting Total Attendance
(%)
Ketua
Rusmin 6 6 100,00
Chairperson
Anggota
Tjendrawati Widijaja 6 6 100,00
Member
Anggota
Christina Suryadinata 6 6 100,00
Member
Informasi mengenai pelaksanaan Rapat Komite Remunerasi dan Information regarding the implementation of the Remuneration
Nominasi, mulai dari tanggal, peserta, dan agenda diungkapkan and Nomination Committee Meetings including date, participants
pada tabel berikut. and agenda is disclosed in the following table.
Tanggal Peserta Agenda
Date Participants Agenda
30 Januari 2023 1. Rusmin 1. Penurunan Suku Bunga Kredit Karyawan dan 1. Decrease in Employee and the Board of Directors
2. Tjendrawati Widjaja Direksi Loan Interest Rates
3. Christina Suryadinata 2. Upah Minimum Provinsi Tahun 2023 2. Provincial Minimum Wage for 2023
3. Salary Structure 3. Salary Structure
4. BPJS Tenaga Kerja dan Jaminan Pensiun Komisaris 4. BPJS Ketenagakerjaan and Pension Guarantee
dan Direksi for the Board of Commissioners and the Board
of Directors
5. Pelaksanaan EES Executive 5. Implementation of EES Executive
6. Informasi Pejabat Eksekutif 6. Executive Officer Information
7. Material Risk Taker (MRT) 2022 7. Material Risk Taker (MRT) 2022
8. Program Kerja Komite Remunerasi dan Nominasi 8. Remuneration and Nomination Committee
Tahun 2023 Work Program for 2023
16 Februari 2023 1. Rusmin Dewan Komisaris Bank Nano Syariah The Board of Commissioners of Bank Nano Syariah
2. Tjendrawati Widjaja
3. Christina Suryadinata
21 Maret 2023 1. Rusmin 1. Penegasan Pencalonan Direktur PT Bank Nano 1. Confirmation of the Nomination for Director of
2. Tjendrawati Widjaja Syariah PT Bank Nano Syariah
3. Christina Suryadinata 2. Pencalonan Direktur yang Membawahkan 2. Nomination of Directors Overseeing Compliance
Fungsi Kepatuhan PT Bank Nano Syariah Functions at PT Bank Nano Syariah
17 April 2023 1. Rusmin 1. PA Rating BOD 1. PA Rating for the Board of Directors
2. Tjendrawati Widjaja 2. Update Bank Nano 2. Bank Nano Update
3. Christina Suryadinata 3. Policy Update 3. Policy Update
4. Organization Structure 4. Organization Structure
5. Pejabat Eksekutif – Movement 5. Executive Officers - Movement
6. KPI Direksi Kinerja 2022 6. Board of Directors Performance KPIs for 2022
7. Honorarium Dewan Komisaris dan Dewan 7. Honorarium for the Board of Commissioners
Pengawas Syariah tahun 2022 and Sharia Supervisory Board for 2022
26 Juli 2023 1. Rusmin 1. Struktur Organisasi Bank Sinarmas efektif 11 Juli 1. Bank Sinarmas Organizational Structure
2. Tjendrawati Widjaja 2023 effective 11 July 2023
3. Christina Suryadinata 2. Spin Off UUS 2. UUS Spin Off
3. Struktur Organisasi Bank Nano Syariah 3. Bank Nano Syariah Organizational Structure
4. Pajak Natura 4. Natura Tax
5. Flexible Benefit 5. Flexible Benefit
6. Performance Improvement Plan (PIP) 6. Performance Improvement Plan (PIP)
7. Informasi Pejabat Eksekutif 7. Executive Officer Information
8. Lain-Lain 8. Others
2 November 2023 1. Rusmin 1. Perlindungan Data Pribadi 1. Personal Data Protection
2. Tjendrawati Widjaja 2. Pengungkapan Investasi Karyawan 2. Employee Investment Disclosure
3. Christina Suryadinata 3. Quarterly Incentive 3. Quarterly Incentive
4. Informasi Pejabat Eksekutif 4. Executive Officer Information
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Laporan Pelaksanaan Tugas Komite Remunerasi dan Report on the Implementation of Duties and Responsibilities
Nominasi of the Remuneration and Nomination Committee
Sepanjang tahun 2023, Komite Remunerasi dan Nominasi Bank Throughout 2023, the Remuneration and Nomination Committee
Sinarmas telah melaksanakan tugas dan tanggung jawab sebagai of Bank Sinarmas carried out its duties and responsibilities as
berikut. follows.
1. Memberikan rekomendasi kepada Dewan Komisaris untuk 1. Provided recommendations to the Board of Commissioners to
menerapkan kenaikan upah, apabila terjadi perubahan tarif implement wage increases following the increase in Provincial
Upah Minimum Provinsi (UMP) berdasarkan Surat Keputusan Minimum Wage (UMP) tariff based on each Regional Head
masing-masing Kepala Daerah. Decree.
2. Memantau implementasi penerapan UMP sebagaimana 2. Monitored the implementation of the UMP adoptinon as
tercantum dalam poin 1. stated in point 1.
3. Memberikan rekomendasi kepada Dewan Komisaris terkait 3. Provided recommendations to the Board of Commissioners
calon Direktur dan Pihak Independen sesuai dengan Peraturan regarding prospective members of the Board of Directors and
Otoritas Jasa Keuangan No. 34/POJK.04/2014 tentang Komite Independent Parties in line with Financial Services Authority
Nominasi dan Remunerasi Emiten atau Perusahaan Publik dan Regulaiton No. 34/POJK.04/2014 on the Remuneration
Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tentang and Nomination Committee of Issuers or Public Company
Penerapan Tata Kelola bagi Bank Umum. and Financial Services Authority No. 17 of 2023 on the
Implementation of Governance for Commercial Banks.
4. Memberikan rekomendasi kepada Dewan Komisaris terkait 4. Provided recommendations to the Board of Commissioners
Kebijakan Remunerasi Dewan Komisaris dan Direksi. regarding the Remuneration Policy for the Board of
5. Membantu Dewan Komisaris melakukan penilaian kinerja Commisioners and the Board of Directors.
anggota Direksi. 5. Assisted the Board of Commissioners in assessing the Board of
6. Memberikan rekomendasi kepada Dewan Komisaris terkait Directors’ performance.
dengan kenaikan gaji berkala dan pemberian bonus terhadap 6. Provided recommednations to the Board of Commissioners
karyawan Bank Sinarmas, khususnya mengenai besarnya related to periodic salary increase and bonuses for employees,
persentase kenaikan secara umum dan besarnya kenaikan in particular regarding the percentage and the amount of
bonus berdasarkan hasil penilaian performance appraisal. Bonus increase based on the performance appraisal results.
7. Melakukan rapat-rapat membahas permasalahan terkait 7. Held meetings to discuss issues related to remuneration and
dengan remunerasi dan nominasi. nomination.
Pengembangan Kompetensi Komite Remunerasi dan Remuneration and Nomination Committee
Nominasi Competency Development
Bank Sinarmas memfasilitasi Komite Remunerasi dan Nominasi Bank Sinarmas facilitates the Remuneration and Nomination
untuk mengikuti berbagai program pengembangan kompetensi. Committee to participate in various competency development
Langkah ini dilakukan untuk memastikan Komite Remunerasi programs as a step to ensure the Committee has required
dan Nominasi memiliki kompetensi yang diperlukan untuk competency to carry out its role effectively in supporting the
menjalankan perannya secara efektif dalam mendukung success and sustainability of the Bank. Information related to the
kesuksesan dan keberlanjutan Bank. Informasi mengenai program competency development programs of the Remuneration and
pengembangan kompetensi Komite Remunerasi dan Nominasi Nomination Committee in 2023 is disclosed as follows.
pada tahun 2023 diungkapkan sebagai berikut.
Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Member Competency Development Material Place/Date Organizer
7 Januari 2023
Build A Collaborative Teams January 7, 2023 Academy Dbeyond
Bogor
2 Juni 2023
SIDILAN (Sinarmas
Refreshment Anti-Fraud & Kode Etik June 2, 2023
Digital Learning)
Anggota E-Learning
Christina Suryadinata
Member 12 Juni 2023
SIDILAN (Sinarmas
Refreshment Anti-Fraud June 12, 2023
Digital Learning)
E-Learning
31 Oktober 2023
Tuesday Evening Tea October 31, 2023 Techconnect
Online Training
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Nama Jabatan Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Name Member Competency Development Material Place/Date Organizer
9 November 2023
Ekipa Agile Consultancy
Agile Leadership November 9, 2023
Indonesia (EKIPA)
Bali
15 November 2023
Learning Center Bank
Retail Banking Workshop November 15, 2023
Sinarmas
Batam
UKMR Refreshment - Pengelolaan Risiko 5 Desember 2023
Kepatuhan dalam Efektivitas Pengelolaan December 5, 2023 Garda Multi Talenta
Risiko Hukum dan Reputasi Online Training
4 Desember 2023
UKMR Refreshment - Mengelola Risiko Learning Center Bank
December 4, 2023
Hukum dan Risiko Kepatuhan Sinarmas
Online Training
Informasi mengenai program pengembangan kompetensi Komite Information related to competency development programs of the
Remunerasi dan Nominasi yang merupakan anggota Dewan Remuneration and Nomination Committee who is member of the
Komisaris telah disampaikan dalam uraian Pengembangan Board of Commissioners presented in the Board of Commissioners
Kompetensi Dewan Komisaris dalam Laporan Tahunan dan Competency Development section in this Annual and Sustainability
Keberlanjutan ini. Report.
Komite Tata Kelola Terintegrasi Integrated Governance Committee
Komite Tata Kelola Terintegrasi Bank Sinarmas dibentuk untuk The Integrated Governance Committee of Bank Sinarmas is
membantu pelaksanaan tugas dan tanggung jawab Dewan established to assist the implementation of the duties and
Komisaris Entitas Utama dalam melakukan pengawasan atas responsibilities of the Board of Commissioners in supervising the
penerapan tata kelola terintegrasi. Bank Sinarmas merupakan implementation of integrated governance. Bank Sinarmas is the
Entitas Utama dari Konglomerasi Keuangan Sinar Mas. main entity of the SInarmas Financial Conglomerate.
Pedoman Kerja Integrated Governance Committee Charter
Komite Tata Kelola Terintegrasi menjalankan tugas tanggung The Integrated Governance Committee carries out its duties and
jawabnya dengan berpedoman pada Pedoman Tata Kelola responsibilities based on the Integrated Governance Committee
Terintegrasi yang disahkah pada 27 Januari 2021. Charter ratified on January 27, 2021.
Struktur dan Susunan Anggota Komite Tata Kelola Structure and Composition of Integrated
Terintegrasi Governance Committee
Susunan Keanggotaan Komite Tata Kelola Terintegrasi tertuang The composition of the Integrated Governance Committee is
dalam Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 stipulated in Memo M.020/2023/DIRUT-EU dated November 30,
tentang Komite Tata Kelola Terintegrasi Konglomerasi Keuangan 2023, on the Integrated Governance Committee of Sinar Mas
Sinar Mas. Financial Conglomeration.
Nama Jabatan Dasar Hukum Pengangkatan Jabatan
Name Position Legal Basis of Appointment
Sammy Kristamuljana Komisaris Independen Surat Gubernur Bank Indonesia No.14/61/GBI/DPIP/ Rahasia tanggal 3 Juli 2012 perihal
(Ketua merangkap Anggota) Keputusan atas Pencalonan Komisaris Independen PT. Bank Sinarmas Tbk.
Independent Commissioner Governor of Bank Indonesia Letter No. 14/61/GBI/DPIP/Confidential dated July 3, 2012, on
(Chairman concurrently Decision on the Nomination of Independent Commissioners of PT. Bank Sinarmas Tbk.
Member)
Ahmadi Sukarno Dewan Pengawas UUS Rekomendasi dari DSN-MUI No. U-074/DSN-MUI/II/2017 tanggal 6 Februari 2017. Kemudian
Sharia Business Unit (UUS) diangkat kembali melalui RUPS Tahunan tanggal 31 Agustus 2020 - DPS UUS Bank Sinarmas.
Supervisory Board Recommendation from DSN-MUI No. U-074/DSN-MUI/II/2017 dated February 6. 2017. Then
reappointed through the Annual GMS on August 31, 2020 - Sharia Supervisory Board (DPS) of
Bank Sinarmas Sharia Business Unit (UUS).
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Nama Jabatan Dasar Hukum Pengangkatan Jabatan
Name Position Legal Basis of Appointment
Mochammad Bukhori Dewan Pengawas UUS Rekomendasi dari DSN-MUI No. U-074/DSN-MUI/II/2017 tanggal 6 Februari 2017. Kemudian
Muslim Sharia Business Unit (UUS) diangkat kembali melalui RUPS Tahunan tanggal 31 Agustus 2020.
Supervisory Board Recommendation from DSN-MUI No. U-074/DSN-MUI/II/2017 dated February 6. 2017. Then
reappointed through the Annual GMS on August 31, 2020.
Muhammad Faisal Dewan Pengawas UUS KEP-4/NB.21/2021 tanggal 24 Februari 2021- DPS UUS Asuransi Sinar Mas.
Muchtar Sharia Business Unit (UUS) KEP-4/NB.21/2021 dated February 24, 2021 – Sharia Supervisory Board (DPS) of Sharia Business
Supervisory Board Unit (UUS) of Asuransi Sinar Mas.
H. Ahmad Nuryadi Dewan Pengawas UUS Rekomendasi dan penetapan dari DSN MUI melalui Surat DSN MUI No.U-583/DSN-MUI /XI/2016
Asmawi Sharia Business Unit (UUS) perihal Rekomendasi Dewan Pengawas Syariah – DPS UUS Asuransi Simas Jiwa.
Supervisory Board Recommendation and appointment from DSN MUI through Letter of DSN MUI No. U-583/DSN-
MUI/XI/2016 on Recommendation of Sharia Supervisory Board - Sharia Supervisory Board (DPS)
of Sharia Business Unit (UUS) of Asuransi Simas Jiwa.
Luqyan Tamanni Dewan Pengawas UUS Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEP-50/NB.22/2017 Tanggal
Sharia Business Unit (UUS) 6 Oktober 2017 – DPS UUS Sinar Mas Multifinance dan Akta No. 1008 Tahun 2022 –DPS UUS
Supervisory Board Reasuransi Nusantara Makmur.
Decision of Members of the Board of Commissioners of the Financial Services Authority No. KEP-
50/NB.22/2017 dated October 6, 2017 – Sharia Supervisory Board (DPS) of Sharia Business Unit
(UUS) of Sinar Mas Multifinance and Deed No. 1008 of 2022 - Sharia Supervisory Board (DPS) of
Sharia Business Unit (UUS) of Reasuransi Nusantara Makmur.
Muhammad Fahri Farid Dewan Pengawas UUS Akta No. 1008 Tahun 2022 – DPS UUS Reasuransi Nusantara Makmur.
Sharia Business Unit (UUS) Deed No. 1008 of 2022 - Sharia Supervisory Board (DPS) of Sharia Business Unit (UUS) Reasuransi
Supervisory Board Nusantara Makmur.
Tonny Latidjan Komisaris Independen Akta Pernyataan No. 55 tanggal 7 Agustus 2020 perihal Pernyataan Keputusan RUPS Luar Biasa
Independent Commissioner - PT Asuransi Sinar Mas.
Deed of Staement No.55 dated August 7, 2020, on the Extraordinary General Meeting of
Shareholders-PT Asuransi Sinar Mas.
Johanes Chandra Komisaris Independen Akta Pernyataan No. 001 tanggal 1 Oktober 2014 tentang Akta Pernyataan Keputusan Rapat -
Setiawan Independent Commissioner PT Asuransi Simas Insurtech.
Deed of Statement No. 001 dated October 1, 2014, on Deed of Meeting Statement- PT Asuransi
Simas Insuretech.
Aditiawan Chandra Komisaris Independen Akta Pernyataan Keputusan Sirkular No. 11 tanggal 2 Maret 2020 - PT Asuransi Simas Jiwa.
Independent Commissioner Deed of Circular Decision Statement No. 11 dated March 02. 2020 - PT Asuransi Simas Jiwa.
Rohana Sumihar Komisaris Independen Akta Pernyataan No. 751 tanggal 26 Februari 2021 perihal Pernyataan Keputusan Rapat terkait
Independent Commissioner perubahan susunan Direksi dan Dewan Komisaris - PT Asuransi Sumit Oto.
Deed of Statement No. 751 dated February 26, 2021, on Statement of Meeting Reolutions
related to changes to the composition of the Board of Directors and the Board of Commisioners-
PT Asuransi Sumit Oto.
Moro Widijono Budhi Komisaris Independen Akta Pernyataan No. 1 tanggal 2 Mei 2019 perihal/terkait RUPS Luar Biasa - PT Reasuransi
Independent Commissioner Nusantara Makmur.
Deed of Staement No.1 dated May 02, 2019, on/related to the Extraordinary General Meeting
of Shareholders-PT Reasuransi Nusantara Makmur.
Sungkana Komisaris Independen S-1097/PM.21/2021 Pengangkatan sebagai Komisaris Independen - PT Sinarmas Sekuritas.
Independent Commissioner S-1097/PM.21/2021 Appointment as Independent Commissioner-PT Sinarmas Sekuritas.
Irawan Chandra Komisaris Independen Akta Pernyataan No.24 tanggal 31 Juli 2019 perihal Susunan Komisaris - PT Sinar Mas Aset
Independent Commissioner Management.
Deed of Statement No. 24 dated July 31, 2019, on Composition of the Board of Commissioners-
PT Sinar Mas Asset Management.
Mulabasa Hutabarat Komisaris Independen Keputusan Dewan Komisaris No. 253/SMMF/X/2022 tanggal 20 Oktober 2022 perihal
Independent Commissioner Pengangkatan Anggota Komite Tata Kelola Perusahaan - PT. Sinar Mas Multifinance.
The Board of Commissioners Decision No. 253/SMMF/X/2022 dated October 20, 2022, on the
Appointment of Members of the Company’s Governance Committee-PT Sinar Mas Multifinance.
Herry Hermana Komisaris Independen Akta Pernyataan Keputusan Para Pemegang Saham No. 892 tanggal 19 Oktober 2021 - PT AB Sinar
Independent Commissioner Mas Multifinance.
Deed of Shareholders Resolution No. 892 dated October 19, 2021 - PT AB Sinar Mas Multifinance.
Reynold M Batubara Pihak Independen Memorandum No. 002/2022/DIRUT-EU tanggal 11 Februari 2022 perihal Penunjukan Pihak
Independent Party Independen Bank Sinarmas sebagai Anggota Komite Tata Kelola Terintegrasi bagi Konglomerasi
Keuangan Sinar Mas.
Memorandum No. 002/2022/DIRUT-EU dated February 11, 2022, on the Appointment of
Indendent Party of Bank Sinarmas as a Member of the Integrated Governance Committee for
Sinar Mas Financial Conglomerate.
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Profil Anggota Komite Tata Kelola Terintegrasi Integrated Governance Committee’s Profile
Profil anggota Komite Tata Kelola Terintegrasi, terdiri dari: Profile of members of the Integrated Governance Committee,
consisting of:
1. Komisaris Independen yang ditunjuk sebagai Ketua sekaligus 1. Independent Commissioner appointed as Chairperson and
anggota Komite dari Bank Sinarmas selaku Entitas Utama; member of the Committee from Bank Sinarmas as the Main
Entity;
2. Komisaris Independen dari Lembaga Jasa Keuangan (LJK) 2. Independent Commissioner from Financial Services Institution
Konglomerasi Keuangan sebagai anggota Komite; (LJK) of the Financial Conglomeration as a Committee member;
3. Pihak Independen Bank Sinarmas sebagai anggota Komite; 3. Independent Party of Bank Sinarmas as a Committee member;
dan and
4. Dewan Pengawas Syariah bagi LJK yang menjalankan prinsip 4. Sharia Supervisory Board for Financial Services Institutions
usaha secara syariah sebagai anggota komite. operating on Sharia principles as a Committee member.
PT. Bank Sinarmas Tbk.
Sammy Kristamuljana
Komisaris Independen
Independent Commissioner
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Surat Gubernur Bank Indonesia No.14/61/GBI/DPIP/ Rahasia tanggal 3 Juli 2012 perihal Keputusan atas Pencalonan Komisaris Independen PT Bank
Sinarmas Tbk.
Governor of Bank Indonesia Letter No. 14/61/GBI/DPIP/ Confidential dated July 3, 2012 on the Decision of the Nomination of Independent Commissioners
of PT Bank Sinarmas Tbk.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration.
Profil dapat dilihat pada Profil Dewan Komisaris bab Profil Perusahaan dalam Laporan Tahunan dan Keberlanjutan ini.
The profile can be seen in the Board of Commissioners’ Profile section of the Company Profile in this Annual and Sustainability Report.
PT. Bank Sinarmas Tbk.
Ahmad Sukarno
Dewan Pengawas UUS
Supervisory Board of Sharia Business Unit
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Rekomendasi dari DSN-MUI No. U-074/DSN-MUI/II/2017 tanggal 6 Februari 2017. Kemudian diangkat kembali melalui RUPS Tahunan tanggal 31
Agustus 2020 – DPS UUS Bank Sinarmas.
Recommendation from DSN-MUI No. U-074/DSN-MUI/II/2017 dated February 6, 2017, then reappointed through the Annual GMS dated August 31, 2020
– Sharia Supervisory Board (DPS) of Sharia Business Unit (UUS) of Bank Sinarmas.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration.
Profil dapat dilihat pada Profil Dewan Komisaris bab Profil Perusahaan dalam Laporan Tahunan dan Keberlanjutan ini.
The profile can be seen in the Board of Commissioners’ Profile section of the Company Profile in this Annual and Sustainability Report.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
PT. Bank Sinarmas Tbk.
Mochammad Bukhori Muslim
Dewan Pengawas UUS
Supervisory Board of Sharia Business Unit
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Rekomendasi dari DSN-MUI No. U-074/DSN-MUI/II/2017 tanggal 6 Februari 2017. Kemudian diangkat kembali melalui RUPS Tahunan tanggal 31
Agustus 2020 – DPS UUS Bank Sinarmas.
Recommendation from DSN-MUI No. U-074/DSN-MUI/II/2017 dated February 6, 2017, then reappointed through the Annual GMS dated August 31, 2020
– Sharia Supervisory Board (DPS) of Sharia Business Unit (UUS) of Bank Sinarmas.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration.
Profil dapat dilihat pada Profil Dewan Komisaris bab Profil Perusahaan dalam Laporan Tahunan dan Keberlanjutan ini.
The profile can be seen in the Board of Commissioners’ Profile section of the Company Profile in this Annual and Sustainability Report.
PT Asuransi Sinar Mas
Muhammad Faisal Muchtar
Dewan Pengawas UUS
Supervisory Board of Sharia Business Unit
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 50 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
KEP-4/NB.21/2021 tanggal 24 Februari 2021- DPS UUS Asuransi Sinar Mas.
KEP-4/NB.21/2021 dated February 24, 2021- Sharia Supervisory Board (DPS) of Sharia Business Unit (UUS) of Asuransi Sinar Mas.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration.
Riwayat Pendidikan
Educational Background
• Doktor Hukum Ekonomi Islam, Universitas Islam Indonesia;
• Master /Pasca Sarjana di bidang Islamic Economy, Universitas Islam Indonesia;
• Program Magister Ushul Fiqh, Universitas Al – Azhar Kairo, Mesir; dan
• Sarjana Syariah Universitas Al –Azhar Kairo, Mesir.
• Doctorate in Islamic Economic Law, Islamic University of Indonesia;
• Master's/Postgraduate Program in Islamic Economy, Islamic University of Indonesia;
• Master's Program in Ushul Fiqh, Al-Azhar University, Cairo, Egypt; and
• Bachelor's Degree in Shariah, Al-Azhar University, Cairo, Egypt.
Riwayat Pekerjaan
Work Experiences
• Ketua Badan Penasihat Syariah Sinar Mas Syariah (2020-sekarang);
• Ketua Dewan Penasihat Syariah PT Reliance Finance, Jakarta (2018-sekarang);
• Ketua Badan Penasihat Syariah PT Al Ijarah Indonesia Finance (ALIF) (2015-sekarang)
• PT Bank BTPN Syariah Tbk (2014-2019)
- Anggota Komite Manajemen Risiko
- Anggota Komite Audit
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• Senior Manager, Corporate legal & Corporate communication Head PT Al Ijarah Indonesia Finance (2014-2015);
• Malaysia Assignment: Assistant General Manager - Shariah Head Syarikat Takaful Malaysia Berhad (STMB) Kuala Lumpur (2011-2013);
• Senior Manager (Department Head, Sharia Audit) (2010);
• Head Quarter (HQ) PT Bank Muamalat Indonesia Tbk (2009-2010);
• Senior Manager & Sharia Compliance Head of PT Bank Syariah Mega Indonesia (BSMI) (2009); dan
• Medan Regional Branch & Head Quarter PT Bank Muamalat Indonesia Tbk (2003-2007).
• Chairman of Sharia Advisory Board of Sinar Mas Syariah (2020-present);
• Chairman of Sharia Advisory Board of PT Reliance Finance, Jakarta (2018-present);
• Chairman of Sharia Advisory Board of PT Al Ijarah Indonesia Finance (ALIF) (2015-present);
• PT Bank BTPN Syariah Tbk. (2014-2019)
- Member of Risk Management Committee;
- Member of Audit Committee
• Senior Manager, Corporate Legal & Corporate Communication Head at PT Al Ijarah Indonesia Finance (2014-2015);
• Malaysia Assignment: Assistant General Manager - Shariah Head at Syarikat Takaful Malaysia Berhad (STMB) Kuala Lumpur (2011-2013);
• Senior Manager (Department Head, Sharia Audit) (2010);
• Head Quarter (HQ) at PT Bank Muamalat Indonesia Tbk. (2009-2010);
• Senior Manager & Sharia Compliance Head of PT Bank Syariah Mega Indonesia (BSMI) (2009); and
• Medan Regional Branch & Head Quarter PT Bank Muamalat Indonesia Tbk. (2003-2007).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Asuransi Simas Jiwa
H. Ahmad Nuryadi Asmawi
Dewan Pengawas UUS
Supervisory Board of Sharia Business Unit
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 60 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Rekomendasi dan penetapan dari DSN MUI melalui Surat DSN MUI No.U-583/DSN-MUI /XI/2016 perihal Rekomendasi Dewan Pengawas Syariah –
DPS UUS Asuransi Simas Jiwa.
The recommendation and appointment from DSN MUI through Letter No. U-583/DSN-MUI /XI/2016 on the Recommendation of Sharia Supervisory
Board – Sharia Supervisory Board (DPS) of Sharia Business Unit (UUS) of Asuransi Simas Jiwa.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration.
Riwayat Pendidikan
Educational Background
• Magister Islamic Revealed Knowledge and Heritage, International Islamic University Kuala Lumpur; dan
• Sarjana Sharia and Law, International Islamic University, Islamabad, Pakistan.
• Master of Islamic Revealed Knowledge and Heritage, International Islamic University Kuala Lumpur; and
• Bachelor of Sharia and Law, International Islamic University, Islamabad, Pakistan.
Riwayat Pekerjaan
Work Experiences
• Dosen Studi Islam Universitas Islam Attahiriyah Jakarta;
• Dosen Studi Islam Fikih Muamalah Universitas Juanda, Ciawi Bogor;
• Imam and Religious Worker Islamic Center, Christmas Island, Western Australia;
• Training Officer Muamalat Institute; dan
• Sharia Compliance Officer at Compliance Division PT Bank Muamalat Indonesia Tbk.
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• Lecturer in Islamic Studies at Attahiriyah Islamic University, Jakarta;
• Lecturer in Islamic Studies, specializing in Islamic Commercial Law (Fikih Muamalah) at Juanda University, Ciawi, Bogor;
• Imam and Religious Worker at Islamic Center, Christmas Island, Western Australia;
• Training Officer at Muamalat Institute; and
• Sharia Compliance Officer at Compliance Division of PT Bank Muamalat Indonesia Tbk.
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Sinarmas Multifinance & PT Reasuransi Nusantara Makmur
Luqyan Tamanni
Dewan Pengawas UUS
Supervisory Board of Sharia Business Unit
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Bogor 51 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
• Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEP-50/NB.22/2017 tanggal 6 Oktober 2017 – DPS UUS Sinar Mas Multifinance;
dan
• Akta No. 1008 Tahun 2022 – DPS UUS Reasuransi Nusantara Makmur.
• Decision of Members of Board of Commissioners of Financial Services Authority No. KEP-50/NB.22/2017 dated October 6, 2017 – Sharia
Supervisory Board (DPS) of Sharia Business Unit (UUS) of Sinar Mas Multifinance; and
• Deed No. 1008 of 2022 – Sharia Supervisory Board (DPS) of Sharia Business Unit (UUS) of Reasuransi Nusantara Makmur.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration.
Riwayat Pendidikan
Educational Background
• PhD in Finance, University of Glasgow, United Kingdom (2017);
• Master of Economics, University of Malaya, Kuala Lumpur, Malaysia (2002); dan
• Bachelor of Economics, International Islamic University Malaysia, Kuala Lumpur (1997).
• PhD in Finance, University of Glasgow, United Kingdom (2017);
• Master of Economics, University of Malaya, Kuala Lumpur, Malaysia (2002); and
• Bachelor of Economics, International Islamic University Malaysia, Kuala Lumpur (1997).
Riwayat Pekerjaan
Work Experiences
• Kepala Divisi Pasar Modal Syariah Komite Nasional Ekonomi & Keuangan Syariah (KNEKS) (2019-2022);
• Dosen Bahrain Institute of Banking and Finance (BIBF) Bangor University Degree Program in Bahrain (2018-2019);
• Graduate Teaching Assistant University of Glasgow, United Kingdom (Teaching & Bloomberg Lab Instructor) (2014-2017);
• Direktur Riset PT Batasa Tazkia Consulting, Jakarta, Indonesia (2010-2011);
• Associate Operations Officer International Finance Corporation (IFC), Indonesia (2006-2010); dan
• Dosen Institut Agama Islam Tazkia, Bogor (2002-2023).
• Head of Sharia Capital Market Division, National Committee on Islamic Economy & Finance (KNEKS) (2019-2022);
• Lecturer at Bahrain Institute of Banking and Finance (BIBF) Bangor University Degree Program in Bahrain (2018-2019);
• Graduate Teaching Assistant at University of Glasgow, United Kingdom (Teaching & Bloomberg Lab Instructor) (2014-2017);
• Research Director at PT Batasa Tazkia Consulting, Jakarta, Indonesia (2010-2011);
• Associate Operations Officer at International Finance Corporation (IFC), Indonesia (2006-2010); and
• Lecturer at Tazkia Institute of Islamic Religion, Bogor (2002-2023).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
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PT Reasuransi Nusantara Makmur
Muhammad Fahri Farid
Dewan Pengawas UUS
Supervisory Board of Sharia Business Unit
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Bekasi 55 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta No. 1008 Tahun 2022 – DPS UUS Reasuransi Nusantara Makmur.
Deed No. 1008 of 2022 – Sharia Supervisory Board (DPS) of Sharia Business Unit (UUS) of Nusantara Makmur Reinsurance.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
• Doktor Manajemen Universitas Negeri Jakarta (2002);
• Magister Manajemen Universitas Esa Unggul (2007); dan
• Sarjana Agribisnis Universitas Padjadjaran (1993).
• Doctor of Management, Jakarta State University (2002);
• Master of Management, Esa Unggul University (2007); and
• Bachelor of Agribusiness, Padjadjaran University (1993).
Riwayat Pekerjaan
Work Experiences
• Direktur Sub Business Unit (SBU) Korporasi PT Asuransi Takaful Keluarga (2012-2014);
• Ketua Tim Pendirian Dana Pensiun (DPLK) Takaful (2012);
• Kepala Divisi Pemasaran PT Asuransi Takaful Keluarga (2009-2012);
• Kepala Divisi Internal Audit PT Asuransi Takaful Keluarga (2011-2012);
• Kepala Divisi Sumber Daya Manusia (SDM) Grup Takaful (2003-2011);
• Manajer Sumber Daya Manusia PT Asuransi Takaful Keluarga (2000-2003); dan
• Sekretaris Direktur Utama PT Asuransi Takaful Keluarga (1996-1999).
• Director of Corporate Sub-Business Unit (SBU) at PT Asuransi Takaful Keluarga (2012-2014);
• Chairman of Financial Institution Pension Fund (DPLK) Establishment Team at Takaful (2012);
• Head of Marketing Division at PT Asuransi Takaful Keluarga (2009-2012);
• Head of Internal Audit Division at PT Asuransi Takaful Keluarga (2011-2012);
• Head of Human Resources Division (SDM) at Takaful Group (2003-2011);
• Human Resources Manager at PT Asuransi Takaful Keluarga (2000-2003); and
• Secretary to the President Director at PT Asuransi Takaful Keluarga (1996-1999).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
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PT Asuransi Sinar Mas
Tonny Latidjan
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 60 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta Pernyataan No. 55 tanggal 7 Agustus 2020 perihal Pernyataan Keputusan RUPS Luar Biasa - PT Asuransi Sinar Mas.
Deed of Statement No.55 dated August 7, 2020, on Statement of Extraordinary GMS Resolutions-PT Asuransi Sinar Mas.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
• Master of Business Administration, Newport University, United States of America (1988); dan
• Sarjana bidang Manajemen, Universitas Kristen Krida Wacana (sebelumnya Universitas Kristen Djaya) (1981).
• Master of Business Administration, Newport University, United States of America (1988); and
• Bachelor of Management, Krida Wacana Christian University, (previously known as Djaya Christian Univerisity) (1981).
Riwayat Pekerjaan
Work Experiences
Executive di PT Toko Onderdil Karya Utama, PT Jakarta Teknologi Utama, dan PT Premium Garansi Indonesia (Februari 2018- September 2018).
Executive at PT Toko Onderdil Karya Utama, PT Jakarta Teknologi Utama, and PT Premium Garansi Indonesia (February 2018-September 2018).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Asuransi Simas Insurtech
Johanes Chandra Setiawan
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 69 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta Pernyataan No. 001 tanggal 1 Oktober 2014 tentang Akta Pernyataan Keputusan Rapat - PT Asuransi Simas Insurtech.
Deed of Statement No. 001 dated October 1, 2014, on the Deed of Meeting Resolution Statement-PT Asuransi Simas Insurtech.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
Sekolah Teknik Menengah (STM) Strada (1971-1974).
Secondary Technical School Strada (1971-1974).
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Riwayat Pekerjaan
Work Experiences
• Komisaris Independen PT Asuransi Simas Insurtech (2014-sekarang);
• Pengusaha (2010-2014);
• Kepala Regional dan Kepala Divisi Pemasaran PT Asuransi Sinar Mas (1990-2010);
• Deputi Manajer PT Asuransi Wahana Tata (1983-1990);
• Kepala Bagian Logistik PT Cahaya Lestari Indonesia (1980- 1982); dan
• Supervisor PT Star Motors (1976-1979).
• Independent Commissioner of PT Asuransi Simas Insurtech (2014-present);
• Regional Head and Head of Marketing Division, PT Asuransi Sinar Mas (1990-2010);
• Deputy Manager, PT Asuransi Wahana Tata (1983-1990);
• Head of Logistics at PT Cahaya Lestari Indonesia (1980-1982); and
• Supervisor of PT Star Motors (1976-1979).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Asuransi Simas Jiwa
Aditiawan Chandra
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 74 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta Pernyataan Keputusan Sirkular No. 11 tanggal 02 Maret 2020 - PT Asuransi Simas Jiwa.
Deed of Circular Decision Statement No. 11 dated March 02, 2020 - PT Asuransi Simas Jiwa.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
• Philosophy Doctor bidang Perencanaan Ekonomi Daerah, Department City and Regional Planning, University of North Carolina-Chapel Hill (1985);
• Master of Science bidang Perencanaan dan Keuangan, Department Urban and Regional Planning, University of Wisconsin-Madison (1980); dan
• Sarjana Ekonomi bidang Pemasaran, Fakultas Ekonomi, Universitas Indonesia (1977).
• Doctor of Philosophy, Regional Economic Planning, Department of City and Regional Planning, University of North Carolina-Chapel Hill (1985);
• Master of Science, Planning and Finance, Department of Urban and Regional Planning, University of Wisconsin-Madison (1980); and
• Bachelor of Economics, Marketing, Faculty of Economics, Indonesia Univeristy (1977).
Riwayat Pekerjaan
Work Experiences
• Komisaris Independen PT Asuransi Simas Jiwa (2006-sekarang);
• Presiden Komisaris PT Bank Permata Tbk (2002-2004);
• Advisory Committee Penjualan Bank Niaga Tbk (2002-2003);
• Presiden Komisaris PT Bank Permata Tbk (2002-2004
• Dekan Fakultas Ekonomi Universitas Indonesia (2001-2005);
• Komisaris PT Bank Internasional Indonesia (BII) Tbk (1999- 2001);
• Direktur Program Magister Manajemen Universitas Indonesia (1997-2000);
• Asisten Menteri Negara Investasi Bidang Iklim Usaha/ Badan Koordinasi Penanaman Modal (BKPM) (1994-1997);
• President Director Lembaga Manajemen (1992-1997);
• Komisaris Independen PT Semen Padang Tbk (1990-1995); dan
• Managing Director Association of Management Institute and The Flagler Management (1989-1992).
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• Independent Commissioner of PT Asuransi Simas Jiwa (2006-present);
• President Commissioner o PT Bank Permata Tbk (2002-2004);
• Advisory Committee of Sales, Bank Niaga Tbk (2002-2003);
• President Commissioner PT Bank Permata Tbk (2002-2004);
• Dean, Faculty of Economics, Indonesia Unviersity (2001-2005);
• Commissioner of PT Bank International Indonesia (BII) Tbk (1999-2001);
• Director of Indonesia University Management Master Program (1997-2000);
• Assistant to the State Minister for Investment for Business Climate/the Investment Coordinating Board (BKPM) (1994-1997);
• President Director of Management Institute (1992-1997);
• Independent Commissioner of PT Semen Padang Tbk (1990-1995); and
• Managing Director, Association of Management Institute and The Flagler Management (1989-1992).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Asuransi Sumit Oto
Rohana Sumihar
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 69 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta Pernyataan No. 751 tanggal 26 Februari 2021 perihal Pernyataan Keputusan Rapat terkait perubahan susunan Direksi dan Dewan Komisaris - PT
Asuransi Sumit Oto.
Deed of Statement No. 751 dated February 26, 2021 on Statement Meeting Resolutions regarding changes to the composition of the Board of
Directors and the Board of Commissioners-PT Asuransi Sumit Oto.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
• Magister Management Finance, Institut Pengembangan Wiraswasta Indonesia Jakarta (IPWIJA) (2000);
• Diploma in Financial Management, Connecticut University (1985); dan
• Sarjana Ekonomi Universitas Jakarta (1980).
• Master of Management Finance, Institut Pengembangan Wiraswasta Indonesia Jakarta (IPWIJA) (2000);
• Diploma in Financial Management, Connecticut University (1985); and
• Bachelor’s Economics, University of Jakarta (1980).
Riwayat Pekerjaan
Work Experiences
• Komisaris Independen PT Asuransi Sumit Oto (2011-sekarang);
• Dosen Universitas Kristen Indonesia (1979-1983); dan
• Pejabat Kepala Seksi Multilateral Affairs Kementerian Keuangan (1977-2010).
• Independent Commissioner of PT Asuransi Sumit Oto (2011-present);
• Lecturer at Indonesian Christian University (1979-1983); and
• Head of Multilateral Affairs, Finance Ministry (1977-2010).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
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PT Reasuransi Nusantara Makmur
Moro Widijono Budhi
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 61 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta Pernyataan No. 1 tanggal 02 Mei 2019 perihal/terkait RUPS Luar Biasa - PT Reasuransi Nusantara Makmur.
Deed of Statement No.1 dated May 02, 2019, on/related to Extraordinary General Meeting of Shareholders-PT Reasuransi Nusantara Makmur.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
Sekolah Menengah Atas.
High School.
Riwayat Pekerjaan
Work Experiences
• Direktur PT Asuransi FPG Indonesia (2024-sekarang);
• Komisaris Independen PT Reasuransi Nusantara Makmur (2019-sekarang);
• Komisaris Independen PT Asuransi Binagriya Upakara (2015-sekarang);
• Direktur PT Asia Reinsurance Broker Indonesia (2018-2019); dan
• Direktur Utama PT Tugu Reasuransi Indonesia tahun (2008-2018).
• Director of PT Asuransi FPG Indonesia (2024-now);
• Independent Commissioner of PT Reasuransi Nusantara Makmur (2019-now);
• Director of PT Asia Reinsuranace Broker Indonesia (2018-2019); and
• President Director of PT Tugu Reasuransi Indonesia (2008-2018).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Sinarmas Sekuritas
Sungkana
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 64 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
S-1097/PM.21/2021 Pengangkatan sebagai Komisaris Independen - PT Sinarmas Sekuritas.
S-1097/PM.21/2021 Appointment as Independent Commissioner-PT Sinarmas Sekuritas.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
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Riwayat Pendidikan
Educational Background
• Magister, International Business Law, Washington College of Law, The American University (1996); dan
• Sarjana Hukum, Universitas Indonesia (1990).
• Magister, International Business Law, Washington College of Law, The American University (1996); and
• Bachelor’s degree from Faculty of Law, Indonesia University (1990).
Riwayat Pekerjaan
Work Experiences
• Komisaris Independen PT Sinarmas Sekuritas (2021-sekarang);
• Tenaga Pengajar Program Sarjana Fakultas Hukum Universitas Indonesia Program Kekhususan Hukum Keuangan Publik (2021-sekarang);
• Komisaris Independen PT LCK Global Kedaton Tbk (2017-sekarang);
• Tenaga Pengajar Program Pasca Sarjana Fakultas Hukum Universitas Indonesia jurusan Administrasi Negara (2017-sekarang);
• Komisaris Independen PT Trinitan Metals and Minerals Tbk (2018-2020);
• Bantuan Hukum Kementerian Keuangan (2011-2016);
• Kepala Subdirektorat (Kasubdit) Kementerian Keuangan (2008-2011);
• Tenaga Pengajar Fakultas Hukum Universitas Indonesia Program Kenotariatan (2005-2009);
• Kepala Subbagian (Kasubag) Peraturan Pengelolaan Investasi di Badan Pengawas Pasar Modal-Lembaga Keuangan (1998-2008); dan
• Pelaksana Tugas (Plt.) Kasubag Peraturan Pengelolaan Investasi di Badan Pengawas Pasar Modal-Lembaga Keuangan (1997-1998).
• Independent Commissioner at PT Sinarmas Sekuritas (2021-present);
• Lecturer for Bachelor's Program at Faculty of Law, Universitas Indonesia, specializing in Public Finance Law (2021-present);
• Independent Commissioner at PT LCK Global Kedaton Tbk. (2017-present);
• Lecturer for Postgraduate Program at Faculty of Law, Universitas Indonesia, Department of Public Administration (2017-present);
• Independent Commissioner at PT Trinitan Metals and Minerals Tbk. (2018-2020);
• Head of Sub-Diretorate at the Finance Ministry (2008-2011);
• Lecturer at the Faculty of Law, Indonesia University of Notary Program (2005-2009);
• Head of Sub-Division of Investment Mangement Regulations at the Capital Market Supervisory Agency-Financial Institution (1998-2008); and
• Acting Head of Sub Division of Investment Management Regulations at Capital Market Supervisory Agency –Financial Institution (1997-1998).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Sinarmas Asset Management
Irawan Chandra
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 65 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta Pernyataan No.24 tanggal 31 Juli 2019 perihal Susunan Komisaris - PT Sinar Mas Aset Management.
Deed of Statement No. 24 dated July 31, 2019, on the Composition of the Board of Commissioners –PT Sinar Mas Asset Management.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
Bachelor’s Degree of Accounting & Finance, Monash University Australia (1986).
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Riwayat Pekerjaan
Work Experiences
• Komisaris Independen PT Orico Balimor Finance (2016-sekarang);
• Komisaris Independen PT Surya Semesta Internusa Tbk (2013-sekarang);
• Penasihat Jasa Keuangan KPMG Siddharta Advisory (2017);
• International Consulting Group (2016-2017);
• Direktur Eksekutif Nomura (1997-2015);
• Senior Associate Deutsche Bank Jakarta (1996-1997);
• Kepala Bagian Pasar Modal PT Bank Internasional Indonesia (BII) Tbk (1992-1996);
• Asisten Bendahara Chase Manhattan Bank, N.A Jakarta (1989-1992); dan
• Junior Auditor Pannell Kerr Forster, Sydney Australia (1986-1989).
• Independent Commissioner of PT Orico Balimor Finance (2016-present);
• Independent Commissioner of PT Surya Semesta Internusa Tbk (2013-present);
• Financial Service Advisory, KPMG Siddharta Advisory (2017);
• International Consulting Group (2016-2017);
• Executive Director, Nomura (1997-2015);
• Senior Associate of Deutsche Bank Jakarta (1996-1997);
• Head of Capital Market Division, PT Bank International Indonesia (BII) Tbk (1992-1996);
• Assistant Treasurer, Chase Manhattan Bank, N.A Jakarta (1989-1992); and
• Junior Auditor, Pannell Kerr Forster, Sydney Australia (1986-1989).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT Sinar Mas Multifinance
Mulabasa Hutabarat
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 70 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Keputusan Dewan Komisaris No. 253/SMMF/X/2022 tanggal 20 Oktober 2022 perihal Pengangkatan Anggota Komite Tata Kelola Perusahaan - PT.
Sinar Mas Multifinance.
Decision of the Board of Commissioners No. 253/SMMF/X/2022 dated October 20, 2022, on the Appointment of Member of the Corporate
Governance Committee-PT Sinar Mas Multi Finance.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
• Magister Ekonomi, Indiana University (1990); dan
• Sarjana Ekonomi, Universitas Indonesia (1982).
• Master of Economics, Indiana University (1990); and
• Bachelor of Economics, Indonesia University (1982).
Riwayat Pekerjaan
Work Experiences
• Komisaris Independen PT Nirmala Taruna (2023-sekarang); dan
• Komisaris Independen PT Sinar Mas Multifinance (2014-sekarang).
• Komisaris PT Indosurya Asset Management (2018-2019);
• Komisaris Independen PT Asuransi Jiwa Tugu Mandiri (2014-2016);
• Ketua Dewan Pengawas Badan Pengelola Jaminan Sosial Ketenagakerjaan (2014-2016);
• Sekretaris Badan Kebijakan Fiskal Kementerian Keuangan (2013-2014);
• Kepala Biro Pembiayaan dan Penjaminan Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) (2012- 2013);
• Komisaris PT Bank Tabungan Negara Tbk (2008-2012);
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• Kepala Biro Dana Pensiun Bapepam-LK (2006-2012); dan
• Komisaris PT Pelindo I Medan (2002-2007).
• Independent Commisioner of PT Nirmala Taruna (2023-present); and
• Independent Commisioner of PT Sinar Mas Multifinance (2014-present);
• Commisioner of PT Indosurya Asset Management (2018-2019);
• Independent Commisioner of PT Asuransi Jiwa Tugu Mandiri (2014-2016);
• Chairman of the Supervisory Board, Employment Social Security Management Agency (2014-2016);
• Secretary of the Fiscal Policy Agency, Finance Ministry (2013-2014);
• Head of Financing and Guarantee Bureau, the Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) (2012)-(2013);
• Commisioner of PT Bank Tabungan Negara Tbk (2008-2012);
• Head of Pension Fund Bureau of Bapepam-LK (2006-2012); and
• Commissioner of PT Pelindo I Medan (2002-2007).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
PT AB Sinar Mas Multifinance
Herry Hermana
Komisaris Independen
Independent Commissioner
Kewarganegaraan Domisili Usia
Citizenship Domicile Age
Indonesia Jakarta 67 tahun / years old
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Akta Pernyataan Keputusan Para Pemegang Saham No.892 tanggal 19 Oktober 2021 - PT AB Sinar Mas Multifinance.
Deed of Shareholders Resolution No. 892 dated October 19, 2021 - PT AB Sinar Mas Multifinance
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration
Riwayat Pendidikan
Educational Background
• Sarjana Ekonomi Universitas Kertanegara (1998-2003); dan
• Akademi Bank Pembangunan Jakarta (1976-1980)
• Bachelor of Economics from Kertanegara University (1998-2003); and
• Jakarta Development Bank Academy (1976-1980)
Riwayat Pekerjaan
Work Experiences
• Komisaris Independen PT Sinar Mas Hana Finance ( 2017-sekarang);
• HR Head PT Sinar Mas Multifinance (1996-2013);
• Accounting & Tax PT Sinar Mas Multiartha (1989-1996);
• Accounting PT Internas Artha Leasing Co (1984-1985);
• Officer PT Bank Internasional Indonesia (1981-1985);
• Trainer PT Bank Internasional Indonesia (1983-1984); dan
• Staff PT Bank Internasional Indonesia (1981-1983).
• Independent Commissioner at PT Sinar Mas Hana Finance (2017-present);
• HR Head at PT Sinar Mas Multifinance (1996-2013);
• Accounting & Tax at PT Sinar Mas Multiartha (1989-1996);
• Accounting at PT Internas Artha Leasing Co. (1984-1985);
• Officer at PT Bank Internasional Indonesia (1981-1985);
• Trainer at PT Bank Internasional Indonesia (1983-1984); and
• Staff at PT Bank Internasional Indonesia (1981-1983).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors, and Controlling Shareholders.
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PT. Bank Sinarmas Tbk.
Reynold M. Batubara
Pihak Independen
Independent Party
Dasar Hukum Pengangkatan Jabatan
Legal Basis of Appointment
Memo M.002/2022/DIRUT-EU tanggal 11 Februari 2022 perihal Penunjukan Pihak Independen Bank Sinarmas sebagai Anggota Komite Tata Kelola
Terintegrasi Bagi Konglomerasi Keuangan Sinar Mas.
Memo M.002/2022/DIRUT-EU dated February 11, 2022 on the Appointment of Independent Parties of Bank Sinarmas as Members of Integrated
Governance Committee for Sinar Mas Financial Conglomeration.
Dasar Hukum Pengangkatan Anggota Komite
Legal Basis of Committee Member Appointment
Memo M.020/2023/DIRUT-EU tanggal 30 November 2023 perihal Susunan Keanggotaan Komite Tata Kelola Terintegrasi Konglomerasi Keuangan
Sinar Mas.
Memo M.020/2023/DIRUT-EU dated November 30, 2023 on the Composition of Integrated Governance Committee of Sinar Mas Financial Conglomeration.
Profil dapat dilihat pada Profil Komite Audit bab Tata Kelola Perusahaan dalam Laporan Tahunan dan Keberlanjutan ini.
Profiles can be seen in the Audit Committee’s Profile section of the Corporate Governance in this Annual and Sustainability Report.
Hubungan Afiliasi Komite Tata Kelola Terintegrasi
Affiliated Relationship of the Integrated Governance Committee
Hubungan Keluarga dengan Hubungan Keuangan dengan
Family Relationship with Financial Relationship with
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Nama Jabatan Komisaris Komisaris
Board of Pengendali Board of Pengendali
Name Position Board of
Directors Controlling
Board of
Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Komisaris Independen
(Ketua merangkap
Anggota)
Sammy
Independent - √ - √ - √ - √ - √ - √
Kristamuljana
Commissioner
(Chairman concurrently
Member)
Dewan Pengawas UUS
Ahmadi
Sharia Business Unit - √ - √ - √ - √ - √ - √
Sukarno
(UUS) Supervisory Board
Dewan Pengawas UUS
Mochammad
Sharia Business Unit - √ - √ - √ - √ - √ - √
Bukhori Muslim
(UUS) Supervisory Board
Dewan Pengawas UUS
Muhammad
Sharia Business Unit - √ - √ - √ - √ - √ - √
Faisal Muchtar
(UUS) Supervisory Board
Dewan Pengawas UUS
H. Ahmad
Sharia Business Unit - √ - √ - √ - √ - √ - √
Nuryadi Asmawi
(UUS) Supervisory Board
Dewan Pengawas UUS
Luqyan
Sharia Business Unit - √ - √ - √ - √ - √ - √
Tamanni
(UUS) Supervisory Board
Dewan Pengawas UUS
Muhammad
Sharia Business Unit - √ - √ - √ - √ - √ - √
Fahri Farid
(UUS) Supervisory Board
Komisaris Independen
Tonny Latidjan Independent - √ - √ - √ - √ - √ - √
Commissioner
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Hubungan Keluarga dengan Hubungan Keuangan dengan
Family Relationship with Financial Relationship with
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Nama Jabatan Komisaris Komisaris
Board of Pengendali Board of Pengendali
Name Position Board of
Directors Controlling
Board of
Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Johanes Komisaris Independen
Chandra Independent - √ - √ - √ - √ - √ - √
Setiawan Commissioner
Komisaris Independen
Aditiawan
Independent - √ - √ - √ - √ - √ - √
Chandra
Commissioner
Komisaris Independen
Rohana
Independent - √ - √ - √ - √ - √ - √
Sumihar
Commissioner
Komisaris Independen
Moro Widijono
Independent - √ - √ - √ - √ - √ - √
Budhi
Commissioner
Komisaris Independen
Sungkana Independent - √ - √ - √ - √ - √ - √
Commissioner
Komisaris Independen
Irawan Chandra Independent - √ - √ - √ - √ - √ - √
Commissioner
Komisaris Independen
Mulabasa
Independent - √ - √ - √ - √ - √ - √
Hutabarat
Commissioner
Komisaris Independen
Herry Hermana Independent - √ - √ - √ - √ - √ - √
Commissioner
Reynold M Pihak Independen
- √ - √ - √ - √ - √ - √
Batubara Independent Party
Wewenang Komite Tata Kelola Terintegrasi Authority of the Integrated Governance Committee
Wewenang Komite Tata Kelola Terintegrasi diungkapkan sebagai The authority of the Integrated Governance Committee is
berikut. disclosed as follows.
1. Mengevaluasi pelaksanaan Tata Kelola Terintegrasi paling 1. Evaluating the implementation of Integrated Governance at
sedikit melalui: least through:
a. Penilaian Kecukupan Pengendalian Internal: a. Assessment of Adequacy of Internal Control:
1) Melakukan evaluasi bahwa Bank Sinarmas dan 1) Conducting an evaluation that Bank Sinarmas
Perusahaan Terelasi (Sister Company) telah memiliki and Related Companies (Sister Company) have
sistem pengendalian internal (internal control system) established an integrated internal control system in
terintegrasi yang baku sesuai dengan praktik terbaik accordance with best practices through a review of
(best practice) yang berlaku melalui kajian atas the Integrated Governance Policy implemented in the
Kebijakan Tata Kelola Terintegrasi yang diberlakukan Sinar Mas Financial Conglomerate.
di Konglomerasi Keuangan Sinar Mas.
2) Melakukan pemantauan dan evaluasi mengenai 2) Monitoring and evaluating the effectiveness of the
efektivitas penerapan pengendalian internal implementation of integrated internal control through
terintegrasi melalui kajian atas Laporan Berkala dan a review of the Periodic Report and Inspection Report
Laporan Hasil Pemeriksaan yang dikeluarkan Satuan issued by the Integrated Internal Audit Work Unit.
Kerja Audit Internal Terintegrasi.
3) Melakukan pemantauan dan mengevaluasi 3) Monitoring and evaluating the implementation of
pelaksanaan tindak lanjut oleh Direksi Entitas Utama follow-up by the Board of Directors of the Main Entity
dan Perusahaan Terelasi (Sister Company) atas hasil and Sister Companies on the findings of the Integrated
temuan Satuan Kerja Audit Internal Terintegrasi, Internal Audit Work Unit, public accounting firm, and
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kantor akuntan publik, dan hasil pengawasan supervision results of the Financial Services Authority,
Otoritas Jasa Keuangan serta hasil pengawasan as well as supervision results of other monitoring
otoritas lainnya mengenai kelemahan pada sistem authorities regarding weakness in the system and the
dan pelaksanaan pengendalian internal terintegrasi. implementation of integrated internal control.
4) Melaporkan secara berkala atas hasil pemantauan dan 4) Reporting regularly on the monitoring results and
memberi masukan atas hal-hal terkait pengendalian providing input on matters related to integrated
internal terintegrasi yang perlu menjadi perhatian internal control that need to be highlighted by the
Dewan Komisaris Entitas Utama dan Perusahaan Board of Commissioners of Main Entity and Sister
Terelasi (Sister Company). Companies.
b. Pelaksanaan Fungsi Kepatuhan secara Terintegrasi b. Implementation of Integrated Compliance Function
1) Melakukan pemantauan dan evaluasi atas kepatuhan 1) Monitoring and evaluating the compliance of Bank
Bank Sinarmas (entitas Utama) dan kepatuhan Sinarmas (main entity) and affiliated company (sister
Perusahaan Terelasi (Sister Company) terhadap company) with the applicable laws and regulations in
peraturan perundang-undangan yang berlaku di the Capital Market and Financial Services Authority
bidang Pasar Modal serta peraturan Otoritas Jasa regulation, Bank Indonesia, and other provisions
Keuangan, Bank Indonesia dan peraturan lainnya related to banking business, insurance, securities, and
yang terkait dengan usaha perbankan, asuransi, financing through coordination with the Integrated
sekuritas dan pembiayaan melalui koordinasi dengan Compliance Work Unit.
Satuan Kerja Kepatuhan Terintegrasi. 2) Studying periodic reports and examination findings
2) Mempelajari laporan berkala dan laporan hasil related to compliance with internal and external
pemeriksaan yang terkait dengan kepatuhan terhadap regulations issued by the Integrated Compliance
peraturan internal dan eksternal yang dikeluarkan Work Unit.
oleh Satuan Kerja Kepatuhan Terintegrasi.
3) Melakukan pemantauan dan mengevaluasi 3) Monitoring and evaluating the implementation of
pelaksanaan tindak lanjut oleh Direksi Entitas Utama follow-up actions by the Board of Directors of Bank
Bank Sinarmas dan Perusahaan Terelasi (Sister Sinarmas Main Entity and Related Companies (Sister
Company) atas hasil temuan Satuan Kerja Kepatuhan Company) regarding the findings of the Integrated
Terintegrasi. Compliance Unit.
4) Melaporkan secara berkala atas hasil pemantauan 4) Providing regular reports on monitoring results and
dan memberi masukan atas hal-hal terkait dengan offering input on matters related to the compliance
kepatuhan Bank Sinarmas dan Perusahaan Terelasi of Bank Sinarmas and Related Companies (Sister
(Sister Company) terhadap peraturan intern dan Company) with internal and external regulations
ekstern yang perlu menjadi perhatian Dewan Komisaris that need to be highlighted by the Board of
Entitas Utama Bank Sinarmas dan Perusahaan Terelasi Commissioners of Bank Sinarmas’ Main Entity and
(Sister Company). Related Companies (Sister Company).
2. Memberikan rekomendasi kepada Dewan Komisaris 2. Providing recommendation to the Board of Commissioners
Entitas Utama untuk penyempurnaan Pedoman Tata Kelola of the Main Entity to improve the Integrated Governance
Terintegrasi. Charter.
Rapat Komite Tata Kelola Terintegrasi Integrated Governance Committee Meeting
Rapat Komite Tata Kelola Terintegrasi wajib diselenggarakan paling The Integrated Governance Committee meeting must be held
sedikit 1 kali setiap semester serta dapat dilaksanakan melalui video at least once every semester and can be conducted via video
conference. Sepanjang tahun 2023, Komite ini menyelenggarakan conference. Throughout the year 2023, this Committee held 2
2 kali rapat, dengan tingkat kehadiran sebagai berikut. meetings, with the attendance rate as follows.
Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran Keterangan
Attendance Rate
Name Position Total Meeting Total Attendance Description
(%)
Komisaris Independen
(Ketua merangkap
Anggota)
Sammy
Independent 2 2 100,00% -
Kristamuljana
Commissioner
(Chairman
concurrently Member)
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Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran Keterangan
Attendance Rate
Name Position Total Meeting Total Attendance Description
(%)
Dewan Pengawas
Syariah
Ahmadi Sukarno 2 2 100,00% -
Sharia Supervisory
Board
Dewan Pengawas
Mochammad Syariah
2 2 100,00% -
Bukhori Muslim Sharia Supervisory
Board
Belum menjabat menjadi Dewan
Dewan Pengawas Pengawas Syariah pada Semester I
H. Ahmad Syariah 2023.
1 1 100,00%
Nuryadi Asmawi Sharia Supervisory Not yet appointed as Sharia
Board Supervisory Board in the first
semester of 2023.
Belum menjabat menjadi Dewan
Dewan Pengawas Pengawas Syariah pada Semester I
Syariah 2023.
Luqyan Tamanni 1 1 100,00%
Sharia Supervisory Not yet appointed as Sharia
Board Supervisory Board in the first
semester of 2023.
Belum menjabat menjadi Dewan
Dewan Pengawas Pengawas Syariah pada Semester I
Muhammad Fahri Syariah 2023.
1 1 100,00%
Farid Sharia Supervisory Not yet appointed as Sharia
Board Supervisory Board in the first
semester of 2023.
Komisaris Independen
Tonny Latidjan Independent 2 2 100,00% -
Commissioner
Hanya hadir pada Rapat Komite
Tata Kelola Terintegrasi (KTKT)
Semester II 2023 dan berhalangan
hadir pada Rapat KTKT Semester I
Komisaris Independen 2023.
Johanes Chandra
Independent 1 1 100,00% Only attended the Integrated
Setiawan
Commissioner Governance Committee (IGC)
Meeting in the second semester
of 2023 and unable to attend the
IGC Meeting in the first semester
of 2023.
Berhalangan hadir pada Rapat
KTKT Semester I 2023 dan
Semester II 2023 dan telah diwakili
(Bapak Tengku Said Idris Pardede
Komisaris Independen dan Bapak Parulian Simamora).
Aditiawan
Independent - - - Unable to attend the Integrated
Chandra
Commissioner Governance Committee Meeting
in Semester I 2023 and Semester
II 2023 and has been represented
by (Mr. Tengku Said Idris Pardede
and Mr. Parulian Simamora).
Komisaris Independen
Rohana Sumihar Independent 2 2 100,00% -
Commissioner
Komisaris Independen
Moro Widijono
Independent 2 2 100,00% -
Budhi
Commissioner
Komisaris Independen
Sungkana Independent 2 2 100,00% -
Commissioner
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Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran Keterangan
Attendance Rate
Name Position Total Meeting Total Attendance Description
(%)
Hanya hadir pada Rapat Komite
Tata Kelola Terintegrasi (KTKT)
Semester II 2023 dan berhalangan
hadir pada Rapat KTKT Semester I
Komisaris Independen
2023
Irawan Chandra Independent 1 1 100,00%
Only attended the Integrated
Commissioner
Governance Committee (IGC)
meeting in Semester II 2023 and
unable to attend the IGC meeting
in Semester I 2023.
Hanya hadir pada Rapat Komite
Tata Kelola Terintegrasi (KTKT)
Semester I 2023 dan berhalangan
hadir pada Rapat KTKT Semester II
Komisaris Independen
Mulabasa 2023
Independent 1 1 100,00%
Hutabarat Only attended the Integrated
Commissioner
Governance Committee (IGC)
meeting in Semester I 2023 and
unable to attend the IGC meeting
in Semester II 2023.
Komisaris Independen
Herry Hermana Independent 2 2 100,00% -
Commissioner
Reynold M Pihak Independen
2 2 100,00% -
Batubara Independent Party
Kehadiran pada Rapat Komite
Tata Kelola Terintegrasi (KTKT)
Semester I 2023 (mewakili Bapak
Komisaris Independen Aditiawan Chandra)
Tengku Said Idris
Independent 1 1 100,00% Attended the Integrated
Pardede
Commissioner Governance Committee (IGC)
meeting in Semester I 2023
(representing Mr. Aditiawan
Chandra).
Kehadiran pada Rapat Komite
Tata Kelola Terintegrasi (KTKT)
Semester I 2023 dan Semester II
2023 (mewakili Bapak Aditiawan
Komisaris Independen
Parulian Chandra)
Independent 2 2 100,00%
Simamora Attended the Integrated
Commissioner
Governance Committee (IGC)
meeting in Semester I 2023 and
Semester II 2023 (representing
Mr. Aditiawan Chandra).
Kehadiran pada Rapat Komite
Tata Kelola Terintegrasi (KTKT)
Semester I 2023 (mewakili Bapak
Komisaris Independen
Alex Setyawan Irawan Chandra)
Independent 1 1 100,00%
Widjajakusuma Attended the Integrated
Commissioner
Governance Committee (IGC)
meeting in Semester I 2023
(representing Mr. Irawan Chandra).
Kehadiran pada Rapat Komite
Tata Kelola Terintegrasi (KTKT)
Semester II 2023 (mewakili Bapak
Komisaris Independen Mulabasa Hutabarat)
Eko Nugroho
Independent 1 1 100,00% Attended the Integrated
Tjahjadi
Commissioner Governance Committee (IGC)
meeting in Semester II 2023
(representing Mr. Mulabasa
Hutabarat).
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Informasi mengenai pelaksanaan Rapat Komite Tata Kelola Information regarding the implementation of the Integrated
Terintegrasi, mulai dari tanggal dan agenda, diungkapkan pada Governance Committee Meeting including the date and agenda,
tabel berikut. is disclosed in the following table.
Tanggal Agenda
Date Agenda
7 Juli 2023 1. Undang-Undang No. 27 Tahun 2022 Perlindungan Data Pribadi 1. Law No. 27 of 2022 on Personal Data Protection
July 7, 2023 1.1. Sharing Session Penerapan Undang-Undang 1.1 Sharing Session of the Implementation of Law on
Perlindungan Data Pribadi di Bank Sinarmas Personal Data Protection at Bank Sinarmas
2. Evaluasi Penerapan Program APU-PPT Lembaga Jasa 2. Evaluation of the Implementation of AML-CFT Programs
Keuangan Group Konglomerasi Keuangan Sinar Mas in the Financial Services Institution of Sinar Mas Financial
Conglomerate Group
15 Desember 2023 1. Update Pengkinian SK Komite Tata Kelola Terintegrasi 1. Update on the Current Status of the Integrated Governance
December 15, 2023 Konglomerasi Keuangan Sinar Mas Committee's Regulations in the Sinar Mas Financial
Conglomerate
2. Peraturan Otoritas Jasa Keuangan No. 3 Tahun 2023 tentang 2. Financial Services Authority Regulation No. 3 of 2023 on the
Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Improvement of Financial Literacy and Inclusion in Financial
Keuangan bagi Konsumen dan Masyarakat Service Sector for Consumers and Society
2.1. Penerapan Peraturan Otoritas Jasa Keuangan No. Tahun 2.1 Implementation of Financial Services Authority
2023 tentang Peningkatan Literasi dan Inklusi Keuangan Regulation No. of 2023 on the Improvement of Financial
di Sektor Jasa Keuangan bagi Konsumen dan Masyarakat Literacy and Inclusion in Financial Services Sector for
pada PT. Bank Sinarmas Tbk. Consumers and Society at PT. Bank Sinarmas Tbk.
2.2. Penerapan Literasi dan Inklusi Keuangan pada masing- 2.2 Implementation of Financial Literacy and Inclusion in
masing Lembaga Jasa Keuangan Konglomerasi each Financial Services Sector of Sinar Mas Financial
Keuangan Sinar Mas Conglomerate
3. Update Informasi atas rasio-rasio yang mandatory pada 3. Information Update on Mandatory Ratios in each Financial
masing-masing Sektor Jasa Keuangan Konglomerasi Services Sector of the Sinar Mas Financial Conglomerate
Keuangan Sinar Mas
Laporan Pelaksanaan Tugas Komite Report on Implementation of the Integrated
Tata Kelola Terintegrasi Governance Committee’s Duties
Tugas dan tanggung jawab yang telah dilaksanakan Komite Tata Throughout 2023, the Integrated Governance Committee carried
Kelola Terintegrasi di sepanjang tahun 2023, yakni: out its duties and responsibilities as follows.
1. Komite Tata Kelola Terintegrasi telah melakukan pengawasan 1. The Integrated Governance Committee carried out supervision
dan evaluasi atas pelaksanaan Tata Kelola Terintegrasi and evaluation on the implementation of the Integrated
Konglomerasi Keuangan Sinar Mas; Governance of Sinar Mas Financial Conglomerate;
2. Komite Tata Kelola Terintegrasi telah memberikan 2. The Integrated Governance Committee provided
rekomendasi kepada Dewan Komisaris Entitas Utama untuk recommendations to the Board of Commissioners of Main
penyempurnaan Pedoman Tata Kelola Terintegrasi; Entity to improve the Integrated Governance Charter;
3. Sekretaris Komite Tata Kelola Terintegrasi telah menyusun 3. Secretary of the Integrated Governance Committee prepared
rencana rapat Komite Tata Kelola Terintegrasi setiap meeting plan of the Integrated Governance Committee
semester sebagai dasar pelaksanaan rapat Komite Tata Kelola each semester as the basis for conducting meeting of the
Terintegrasi yang disampaikan dalam rapat Komite Tata Integrated Governance Committee presented during the
Kelola Terintegrasi; Integrated Governance Committee meeting;
4. Sekretaris Komite Tata Kelola Terintegrasi telah 4. Secretary of the Integrated Governance Committee
mendokumentasikan risalah rapat Komite Tata Kelola documented the minutes of Integrated Governance
Terintegrasi pada tahun 2023. Committee meetings in 2023.
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Komite-Komite di Bawah Direksi
Board of Directors’ Subordinate Committees
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko (Risk Management Committee-RMC) The Risk Management Committee (RMC) is a committee
adalah komite yang beranggotakan Direksi serta Pejabat Eksekutif composed of the Board of Directors and Executive Officers of the
Bank yang bersifat sebagai anggota tetap dan anggota tidak tetap Bank, serving as permanent members, along with non-permanent
yang disesuaikan dengan kebutuhan dan Bank yang dibentuk members adjusted according to the needs and complexity of the
untuk membantu pelaksanaan tugas dan wewenang Direksi Bank. It is established to assist in the implementation of the Board
terkait dengan penerapan manajemen risiko di Bank. Komite of Directors’ duties and authorities related to risk management
Manajemen Risiko bersifat independen dalam menjalankan tugas at the Bank. The Risk Management Committee operates
dan tanggung jawabnya. independently in carrying out its duties and responsibilities.
Pedoman Kerja Risk Management Committee Charter
Komite Manajemen Risiko menjalankan tugas tanggung jawabnya The Risk Management Committee carries out its duties and
dengan berpedoman pada Peraturan Otoritas Jasa Keuangan responsibilities in accordance with the Financial Services Authority
No. 18/POJK.03/2016 tentang Penerapan Manajemen Risiko bagi Regulation No. 18/POJK.03/2016 on the Implementation of Risk
Bank Umum dan Surat Kputusan No. SK.095/2023/DIR1-RMG Management for Commercial Banks and the Decision Letter
tanggal 28 Desember 2023 tentang Pedoman dan Tata Tertib No. SK.095/2023/DIR1-RMG dated December 28, 2023, on Charter
Kerja Komite Manajemen Risiko PT. Bank Sinarmas Tbk. and Code of Conducts for the Risk Management Committee of
PT Bank Sinarmas Tbk.
Struktur dan Komposisi Structure and Composition
Struktur dan komposisi Komite Manajemen Risiko Bank The structure and composition of the Risk Management Committee
Sinarmas berdasarkan Surat Keputusan No. SK.095/2023/DIR1- of Bank Sinarmas, as outlined in Decision Letter No. SK.095/2023/
RMG tanggal 28 Desember 2023 tentang Pedoman dan Tata DIR1-RMG dated December 28, 2023, on Charter and Code
Tertib Kerja Komite Manajemen Risiko PT. Bank Sinarmas Tbk. of Conducts for the Risk Management Committee of PT Bank
diungkapkan sebagai berikut. Sinarmas Tbk., are as follows.
Jabatan dalam Komite Pelaksana Hak Suara
Position in Committee Organizer Voting Rights
Ketua (Anggota Tetap) / Direktur yang Compliance & Risk Management / √
Chairman (permanent member) Compliance and Risk Management Director
Sekretaris Komite (Anggota Tetap) / √
Satuan Kerja Manajemen Risiko / The Risk Management Work Unit
Secretary to Committee (Permanent
member)
Anggota Tetap / Permanent Member Seluruh Direktur / All Directors √
Anggota Tidak Tetap / Bidang Audit Internal / Internal Audit Unit X
Non-Permanent Member
Bidang Compliance / Compliance Unit X
Bidang Legal / Legal Unit X
Bidang Perkreditan/Lending / Credit/Lending Unit X
Bidang Treasury & Financial Institution / Treasury & Financial Institution Unit X
Bidang Payment & Transaction / Payment & Transaction Unit X
Bidang Finance & Accounting / Finance & Accounting Unit X
Bidang Operations / Operations Unit X
Bidang Dana Pihak Ketiga/Liability / Third Party Fund/Liability Unit X
Bidang Syariah / Sharia Unit X
Bidang Securities Services / Securities Services Unit X
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Jabatan dalam Komite Pelaksana Hak Suara
Position in Committee Organizer Voting Rights
Bidang Finance & Performance Management / Finance & Performance Management Unit X
Bidang Human Capital / Human Capital Unit X
Bidang Digital Banking / Digital Banking Unit X
Bidang Sales and Distribution / Sales and Distribution Unit X
Tugas dan Tanggung Jawab Duties and Responsibilities of the Risk Management
Salah satu wewenang dan tanggung jawab Komite Manajemen Committee
Risiko, yaitu melakukan evaluasi serta memberikan rekomendasi One of the authorities and responsibilities of the Risk
kepada Direktur Utama sekurang-kurangnya, meliputi: Management Committee is to conduct evaluations and provide
1. Penyusunan kebijakan, strategi, dan pedoman penerapan recommendations to the President Director at least include:
manajemen risiko serta perubahannya, termasuk strategi 1. Formulation of policies, strategies, and char-ter for the
manajemen risiko, tingkat risiko yang diambil dan toleransi implementation of risk manage-ment and its changes,
risiko, kerangka manajemen risiko, serta rencana kontinjensi including risk man-agement strategies, risk appetite and
untuk mengantisipasi terjadinya kondisi tidak normal; risk tol-erance, risk management framework, as well as
2. Perbaikan atau penyempurnaan pelaksanaan manajemen contingency plans to anticipate abnormal conditions;
risiko secara berkala maupun bersifat insidental sebagai 2. Improvement or refinement of risk manage-ment
akibat dari suatu perubahan kondisi eksternal dan internal implementation periodically and inci-dentally as a result
Bank yang memengaruhi kecukupan permodalan, profil of changes in external and internal conditions of the Bank
risiko Bank, dan tidak efektifnya penerapan manajemen risiko that affect capital adequacy, the Bank's risk profile, and the
berdasarkan hasil evaluasi; ineffectiveness of risk management im-plementation based
3. Penetapan kebijakan dan/atau keputusan bisnis yang on evaluation results;
menyimpang dari prosedur normal, seperti pelampauan 3. Establishment of policies and/or business decisions that
ekspansi usaha yang signifikan dibandingkan dengan deviate from normal proce-dures, such as significant business
rencana bisnis Bank yang telah ditetapkan sebelumnya atau expansion beyond the previously established business plan of
pengambilan posisi/eksposur risiko yang melampaui limit the Bank or taking posi-tions/exposures to risk that exceed
yang telah ditetapkan yang dapat disampaikan melalui rapat the set limits, which can be communicated through Risk
Komite Manajemen Risiko atau dilakukan melalui sirkulasi Management Committee meetings or circulated through
memorandum internal; internal memoranda.
4. Menyetujui Laporan Tingkat Kesehatan Bank, yang meliputi 4. Approving the Bank Soundness Level Report, which includes
Laporan Profil Risiko Bank (yang mencakup 8 jenis risiko, yaitu the Bank Risk Profile Report (covering 8 types of risks, namely
risiko kredit, risiko pasar, risiko likuiditas, risiko stratejik, risiko credit risk, market risk, liquidity risk, strategic risk, oper-ational
operasional termasuk risiko siber sebagai indikator tambahan, risk including cyber risk as an addi-tional indicator, compliance
risiko kepatuhan, risiko reputasi, dan risiko hukum, serta risk, reputation risk, and legal risk, as well as 2 additional sha-
terdapat tambahan 2 risiko terkait syariah, yaitu risiko investasi riah-related risks, namely investment risk and return risk), the
dan risiko imbal hasil), Laporan Tata Kelola Bank, Laporan Bank Governance Report, the Bank Profitability Report, and
Rentabilitas Bank, serta Laporan Permodalan Bank yang wajib the Bank Capi-tal Report that must be submitted periodical-ly
disampaikan secara berkala kepada regulator, yaitu triwulan to the regulator, quarterly and semi-annually, presented and
dan semesteran, yang disampaikan dan disetujui melalui rapat approved through Risk Management Committee meetings;
Komite Manajemen Risiko;
5. Menyetujui laporan lain yang wajib dilaporkan kepada 5. Approving other reports that must be period-ically reported
regulator secara berkala, seperti Laporan Internal Capital to the regulator, such as the Internal Capital Adequacy
Adequacy Assesment Process (ICAAP), Laporan Stress Test, Assessment Pro-cess (ICAAP) Report, Stress Test Report, and
dan lain-lain yang dapat disampaikan dan disetujui melalui others that can be presented and approved through Risk
rapat Komite Manajemen Risiko atau melalui sirkulasi Management Committee meetings or circulated through
memorandum internal; internal memoranda.
6. Menjalankan fungsi yang lain, seperti yang diarahkan oleh 6. Carrying out other functions as directed by the President
Presiden Direktur dan/atau Komite Pemantau Risiko; serta Director and/or the Risk Moni-toring Committee; and
7. Menyetujui rencana kerja yang disusun dan disampaikan oleh 7. Approving the work plans prepared and submitted by the
Sekretaris Komite Manajemen Risiko. Secretary of the Risk Man-agement Committee.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Rapat Risk Management Committee’s Meeting
Komite Manajemen Risiko mengadakan rapat minimal 10 kali The Risk Management Committee holds regular meeting at least
dalam setahun dan rapat Ad hoc di luar rapat berkala. Rapat 10 times in a year and Ad Hoc meeting outside regular meetings.
komite dihadiri oleh seluruh anggota tetap dan anggota tidak The committee meetings are attended by all permanent and
tetap. Selama tahun 2023, Komite Manajemen Risiko telah non-permanent members. During 2023, the Risk Management
menyelenggarakan rapat secara berkala sebanyak 7 kali rapat dan Committee held 7 regular meetings, and all decisions made during
seluruh hasil rapat yang dilaksanakan telah mencapai keputusan the meetings were achieved through deliberation and consensus,
bersama secara musyawarah dan mufakat serta dinyatakan sah as well as being declared valid and all outcomes of the Risk
dan seluruh hasil rapat Komite Manajemen Risiko dituangkan di Management Committee meetings were documented in meeting
dalam risalah rapat dan telah didokumentasikan dengan baik. minutes and well-documented.
Tanggal Agenda
Date Agenda
17 Januari 2023 1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko 1. Follow up on the Recommendations from the previous Risk
January 17, 2023 dan Komite Pemantau Risiko periode sebelumnya. Management Committee and Risk Monitoring Committee
Meeting.
2. Risk Highlight Bank Semester II – Desember 2022. 2. Bank Risk Highlight Semester II – December 2022.
3. Proposal Laporan Tingkat Kesehatan Bank Semester II & Profil 3. Bank Soundness Level Report Proposal Semester II & UUS Risk
Risiko UUS Triwulan IV posisi 31 Desember 2022, yang terdiri dari: Profile Report Quarter IV position 31 December 2022, consisting of:
• Proposal Laporan Tingkat Kesehatan Bank Semester II - • Bank Soundness Level Report Proposal Semester II -
31 Desember 2022; 31 December 2022;
• Proposal Laporan Profil Risiko Bank Semester II - • Bank Risk Profile Report Proposal Semester II - December 31,
31 Desember 2022; 2022;
• Proposal Laporan Profil Risiko UUS Triwulan IV - • UUS Risk Profile Report Proposal Quarter IV - December 31,
31 Desember 2022; 2022;
• Proposal Laporan Tata Kelola, Rentabilitas, Permodalan • Governance, Earnings, Capital Report Proposal Semester II -
Semester II - 31 Desember 2022. December 31, 2022.
4. Proposal Laporan Stress Testing Bank Semester II - 31 Desember 4. Bank Stress Testing Report Proposal Semester II - December 31,
2022. 2022.
5. Proposal Laporan Internal Capital Adequacy Assessment 5. Internal Capital Adequacy Assessment Process (ICAAP) Report
Process (ICAAP) Semester II - 31 Desember 2022. Proposal Semester II - December 31, 2022.
6. Pelampauan Risk Appetite & Risk Tolerance Triwulan IV - 6. Exceeding Risk Appetite & Risk Tolerance Quarter IV -
Desember 2022 (Oktober, November, Desember). December 2022 (October, November, December).
7. Pemantauan Realisasi Rasio Pembiayaan Inklusif 7. Monitoring of Macroprudential Inclusive Financing Ratio (RPIM)
Makroprudensial (RPIM) posisi Desember 2022. Realization position December 2022.
8. Pemantauan dan Pelaporan Perkembangan Restrukturisasi 8. Monitoring and Reporting of Progress on Restructuring of
Covid-19 posisi Triwulan IV – Desember 2022. Covid-19 position Quarter IV – December 2022.
29 Maret 2023 1. Proposal Pengajuan Hasil Kaji Ulang Peers Bank Tahun 2023 1. Submission Proposal of Bank Peers Review Results to Prepare
March 29, 2023 untuk Penyusunan Laporan Profil Risiko Bank. Bank Risk Profile Report.
2. Proposal Pengajuan Kaji Ulang untuk Tingkat Kesehatan Bank 2. Submission Proposal of Bank Soundness Level and Bank Risk
dan Profil Risiko Bank untuk Tahun 2023, yang terdiri dari: Profile Review in 2023, consisting of:
• Proposal Pengajuan Kaji Ulang Bobot Perhitungan untuk • Submission Proposal of Weight Calculation for Bank
Tingkat Kesehatan Bank & Bobot untuk Profil Risiko Bank Soundness Level & Weight for Bank Risk Profile Review in
Tahun 2023; 2023;
• Proposal Pengajuan Kaji Ulang Parameter, Rentang Risiko, • Submission Proposal of Parameter, Risk Range, and Risk
dan Bobot Risiko untuk Profil Risiko Bank Tahun 2023, yang Weight for Bank Risk Profile in 2023, consisting of:
terdiri dari:
- Summary Pengajuan ; - Submission Summary ;
- Konsolidasi; - Consolidated;
- Konvensional (BUK) - NEW; dan - Conventional (BUK) - NEW; and
- Unit Usaha Syariah (UUS). - Sharia Business Unit (UUS).
3. Simulasi Perhitungan Laporan Profil Risiko Bank (Konsolidasi & 3. Calculation Simulation of Bank Risk Profile Report (Consolidated
Konvensional) dan Profil Risiko UUS Menggunakan Data posisi & Conventional) and UUS Risk Profile Using Data position
31 Desember 2022. December 31, 2022.
4. Simulasi Perhitungan Tingkat Kesehatan Bank Menggunakan 4. Calculation Simulation of Bank Soundness Level Using New
Bobot Baru dan Data 31 Desember 2022. Weight and Data December 31, 2022.
18 April 2023 1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko 1. Follow up on the Recommendations from the previous Risk
April 18, 2023 dan Komite Pemantau Risiko Periode Sebelumnya. Management Committee and Risk Monitoring Committee
Meeting.
2. Risk Highlight Bank Triwulan I – 31 Maret 2023. 2. Bank Risk Highlight Quarter I – 31 March 2023.
3. Laporan Profil Risiko Bank & UUS Triwulan I - 31 Maret 2023, 3. Bank & UUS Risk Profile Report Quarter I - March 31, 2023,
yang terdiri dari: consisting of:
• Proposal Laporan Profil Risiko Bank (Konsolidasi) Triwulan I - • Bank Risk Profile Report Proposal (Consolidated) Quarter I -
31 Maret 2023; dan 31 March 2023; and
• Proposal Laporan Profil Risiko UUS Triwulan I - 31 Maret 2023. • UUS Risk Profile Report Proposal Quarter I - March 31, 2023.
4. Simulasi Peringkat Tingkat Kesehatan Bank Konsolidasi posisi 4. Simulation of Bank Soundness Level Rating Consolidated
31 Maret 2023 (Tata Kelola, Rentabilitas, dan Permodalan). position 31 March 2023 (Governance, Earnings, and Capital).
5. Pelampauan Risk Appetite & Risk Tolerance Triwulan I - 5. Exceeding Risk Appetite & Risk Tolerance Quarter I - March 31,
31 Maret 2023 (Januari, Februari, dan Maret). 2023 (January, February, and March).
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Tanggal Agenda
Date Agenda
6. Pemantauan Realisasi Rasio Pembiayaan Inklusif 6. Monitoring of Macroprudential Inclusive Financing Ratio (RPIM)
Makroprudensial (RPIM) posisi Maret 2023. Realization position March 2023.
7. Pemantauan dan Pelaporan Perkembangan Restrukturisasi 7. Monitoring and Reporting of Progress on Restructuring of
Covid-19 posisi Triwulan I – 31 Maret 2023. Covid-19 position Quarter I – March 31, 2023.
8. Stress Testing Risiko Kredit terhadap Restrukturisasi Debitur 8. Credit Risk Stress Testing for Covid-19 Debtor Restructuring
Covid-19 yang Telah Disetujui Direksi dan Dewan Komisaris approved by the Board of Directors and Board of Commissioners
tanggal 13 April 2023. on April 13, 2023.
9. Proposal Program Kerja Komite Manajemen Risiko 2023. 9. 2023 Risk Management Committee Work Program Proposal.
23 Juni 2023 1. Penilaian Profil Risiko terkait Keamanan dan Ketahanan Siber. 1. Risk Profile Assessment related to Cyber Security and Resilience.
June 23, 2023 2. Metodologi Perhitungan ATMR Risiko Pasar Basel 3 Reform – 2. Market Risk RWA Calculation Methodology Basel 3 Reform –
Fundamental Review of The Trading Book (FRTB). Fundamental Review of The Trading Book (FRTB)
20 Juli 2023 1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko 1. Follow up on the Recommendations from the previous Risk
July 20, 2023 dan Komite Pemantau Risiko Periode Sebelumnya. Management Committee and Risk Monitoring Committee
Meeting.
2. Risk Highlight Bank Semester I – Juni 2023. 2. Bank Risk Highlight Semester I – June 2023.
3. Proposal Laporan Tingkat Kesehatan Bank Semester I – Juni 2023 3. Bank Soundness Level Report Proposal Semester I – June 2023
dan Profil Risiko UUS Triwulan II - Juni 2023, yang terdiri dari: and UUS Risk Profile Quarter II - June 2023, consisting of:
• Proposal Laporan Tingkat Kesehatan Bank Semester I - Juni • Bank Soundness Level Report Proposal Semester I - June
2023; 2023;
• Proposal Laporan Profil Risiko Bank Semester I - Juni 2023; • Bank Risk Profile Report Proposal Semester I - June 2023;
• Proposal Laporan Profil Risiko UUS Triwulan II - Juni 2023; dan • UUS Risk Profile Report Proposal Quarter II - June 2023; and
• Proposal Laporan Tata Kelola, Rentabilitas, dan Permodalan • Governance, Earnings, and Capital Report Proposal
Semester I - Juni 2023. Semester I - June 2023.
4. Proposal Laporan Stress Testing Bank Semester I – Juni 2023. 4. Bank Stress Testing Report Proposal Semester I – June 2023.
5. Proposal Laporan Internal Capital Adequacy Assessment 5. Internal Capital Adequacy Assessment Process (ICAAP) Report
Process (ICAAP) Semester I - Juni 2023. Proposal Semester I - June 2023.
6. Pelampauan Risk Appetite & Risk Tolerance Triwulan II - Juni 6. Exceeding Risk Appetite & Risk Tolerance Quarter II - June 2023
2023 (April, Mei, dan Juni). (April, May, and June).
7. Pemantauan Realisasi Rasio Pembiayaan Inklusif 7. Monitoring of Macroprudential Inclusive Financing Ratio (RPIM)
Makroprudensial (RPIM) posisi Juni 2023. Realization position June 2023.
8. Pemantauan dan Pelaporan Restrukturisasi Covid-19 Triwulan 8. Monitoring and Reporting on the Restructuring of Covid-19
II – Juni 2023. Quarter II – June 2023.
17 Oktober 2023 1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko 1. Follow up on the Recommendations from the previous Risk
October 17, 2023 dan Komite Pemantau Risiko Periode Sebelumnya. Management Committee and Risk Monitoring Committee
Meeting.
2. Risk Highlight Bank Triwulan III – 30 September 2023. 2. Bank Risk Highlight Quarter III – September 30, 2023.
3. Proposal Laporan Profil Risiko Bank dan UUS Triwulan III - 3. Bank and UUS Risk Profile Report Proposal Quarter III -
30 September 2023, yang terdiri dari: September 30, 2023, consisting of:
• Proposal Laporan Profil Risiko Bank (Konsolidasi) Triwulan • Bank Risk Profile Report Proposal (Consolidated) Quarter III
III - 30 September 2023; - September 30, 2023;
• Proposal Penyesuaian Parameter Profil Risiko UUS untuk • UUS Risk Profile Parameter Adjustment Proposal for Market
Risiko Pasar dan Risiko Likuiditas; dan Risk and Liquidity Risk; and
• Proposal Laporan Profil Risiko UUS Triwulan III – • UUS Risk Profile Report Proposal Quarter III – September 30,
30 September 2023. 2023.
4. Simulasi Peringkat Tingkat Kesehatan Bank Konsolidasi 4. Simulation of Bank Soundness Level Rating Consolidated
posisi 30 September 2023 (Tata Kelola, Rentabilitas, dan position September 30, 2023 (Governance, Earnings, and
Permodalan). Capital).
5. Proposal Penyelarasan Penerapan Manajemen Risiko sesuai 5. Alignment of Risk Management Implementation Proposal
POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi in line with POJK No. 17 of 2023 on the Implementation of
Bank Umum dalam Hal Komite Manajemen Risiko dan Komite Governance for Commercial Bank in terms of Risk Management
Pemantauan Risiko. Committee and Risk Monitoring Committee.
6. Pelampauan Risk Appetite & Risk Tolerance Triwulan III - 6. Exceeding Risk Appetite & Risk Tolerance Quarter III -
30 September 2023 (Juli, Agustus, dan September). September 30, 2023 (July, August, and September).
7. Proposal Persetujuan Penetapan Risk Appetite & Risk Tolerance 7. Approval Proposal of Risk Appetite & Risk Tolerance Parameters
Parameter Deposan Inti. Determination for Core Depositors
8. Pemantauan Realisasi Rasio Pembiayaan Inklusif 8. Monitoring of Macroprudential Inclusive Financing Ratio (RPIM)
Makroprudensial (RPIM) posisi September 2023. Realization position September 2023.
9. Pemantauan dan Pelaporan Perkembangan Restrukturisasi 9. Monitoring and Reporting of Progress on Restructuring of
Dampak Covid-19 posisi Triwulan III – 30 September 2023. Covid-19 position Quarter III – September 30, 2023.
24 November 1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko 1. Follow up on Recommendations from the previous Risk
2023 Periode Sebelumnya. Management Committee
November 24, 2. Proposal Persetujuan Perubahan Pengaturan Rapat Komite 2. Approval Proposal of Changes to Risk Management
2023 Manajemen Risiko. Committee’s Meeting Arrangement.
3. Proposal Persetujuan Penyempurnaan Strategik Penerapan 3. Approval Proposal of Strategic Refinement of end to end
RCSA secara end to end process menggunakan Metodologi process RCSA Implementation using Self Assessment SMART
Self Assessment SMART. Methodology.
4. Update progress Virtus System. 4. Virtus System progress update.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pelaksanaan Tugas dan Tanggung Jawab Tahun 2023 Implementation of Duties and Responsibilities in 2023
Sepanjang tahun 2023, Komite Manajemen Risiko Bank Sinarmas Throughout 2023, the Risk Management Committee of Bank
telah melaksanakan tugas dan tanggung jawab sebagai berikut. Sinarmas has carried out its duties and responsibilities as follows.
1. Menyetujui Risk Appetite & Risk Tolerance Bank 2023, 1. Approved the Bank’s Risk Appetite & Risk Tolerance 2023,
termasuk Revisi Risk Appetite & Risk Tolerance Bank. including the revision of Risk Appetite & Risk Tolerance of
the Bank.
2. Menyetujui Penilaian Laporan Profil Risiko 2023 - Bank dan 2. Approved the Assessment of the Risk Profile Report 2023-
UUS. Bank and the Sharia Business Units (UUS).
3. Menyetujui Penilaian Laporan Tingkat Kesehatan Bank dan 3. Approved the Assessment of the Bank’s Soundness Level and
Laporan Internal Capital Adequacy Assessment Process Internal Capital Adequacy Assessment Process (ICAAP) 2023
(ICAAP) 2023. Report.
4. Menyetujui penyempurnaan proses manajemen risiko secara 4. Approved periodic and incidental improvement to the risk
berkala maupun bersifat insidental sebagai akibat dari management process resulting from a change in the Bank’s
suatu perubahan kondisi eksternal dan internal Bank yang external and internal condition that affect capital adequacy,
mempengaruhi kecukupan permodalan, Profil Risiko Bank, the Bank’s risk profile, and the ineffectiveness of risk
dan tidak efektifnya penerapan manajemen risiko berdasarkan management application based on evaluation results, such as:
hasil evaluasi, berupa:
a. Pemantauan Realisasi Rasio Inklusif Makroprudensial a. Monitoring Realization of the Macroprudential Inclusive
(RPIM); Financing Ratio (RPIM);
b. Pemantauan dan Pelaporan Perkembangan Restrukturisasi b. Monitoring and Reporting the Development of Covid-19
Covid-19; Restructuring;
c. Penilaian Profil Risiko terkait Keamanan dan Ketahanan c. Risk Profile Assessment related to Cyber Security and
Siber; Resilience;
d. Metodologi Perhitungan Aktiva Tertimbang Menurut d. Calculation Methodology of Risk-Weighted Assets (RWA)
Risiko (ATMR) Risiko Pasar Basel 3 Reform; for Basel 3 Market Risk Reform;
e. Proposal Penyelarasan Penerapan Manajemen Risiko e. Proposal for Aligning Risk Management Implementation
sesuai Peraturan Otoritas Jasa Keuangan No. 17 Tahun in accordance with Financial Services Authority Regulation
2023 dalam hal KMR dan KPR; dan No. 17 of 2023 regarding the Risk Management Committee
(KMR) and the Risk Monitoring Committee (KPR); and
f. Proposal Penyempurnaan Stratejik Penerapan Risk Control f. Proposal for Enhancing Strategic Implementation of Risk
and Self-Assessment (RCSA) secara end-to-end process. Control and Self-Assessment (RCSA) in an end-to-end
process.
5. Menyetujui parameter, rentang risiko, dan bobot risiko untuk 5. Approved parameters, risk ranges, and risk weights for the
Profil Risiko 2023 - Bank dan UUS. Risk Profile 2023 - Bank and the Sharia Business Units (UUS).
6. Menyetujui parameter, rentang risiko, dan bobot risiko 6. Approved parameters, risk ranges, and risk weights for the
parameter Tingkat Kesehatan Bank 2023. Bank Soundness Level Report 2023.
7. Menyetujui Penetapan kebijakan dan/atau keputusan 7. Approved the establishment of policies and/or business
bisnis yang menyimpang dari prosedur normal/limit normal decisions that deviate from normal procedures/limits
(pelampauan). (exceptions).
8. Melakukan pengawasan dan/atau pemantauan terkait 8. Monitored and/or supervised the Provisions and Testing of
Ketentuan dan Uji Coba Contingency Funding Plan dan Contingency Funding Plans and Short-Term Liquidity Loans
Pinjaman Likuiditas Jangka Pendek (PLJP) Bank Indonesia. (PLJP) from Bank Indonesia.
9. Menyetujui skenario dan hasil stress testing Bank 2023. 9. Approved scenarios and results of Bank’s stress testing 2023.
Asset & Liability Committee (ALCO) Asset & Liability Committee (ALCO)
ALCO merupakan komite di tingkat eksekutif yang membantu ALCO are executive-level committees that support the
efektivitas pelaksanaan tugas dan tanggung jawab Direksi effectiveness of duties and responsibilities implementation of
terkait pengelolaan aset dan liabilitas secara berkesinambungan. the Board of Directors related to the management of assets and
Tujuannya adalah untuk mencapai keuntungan yang optimal liabilities continuously. The goal is to achieve optimal profit by
dengan meminimalkan risiko yang muncul. ALCO bertanggung minimizing emerging risks. ALCO is responsible for establishing
jawab dalam menetapkan dan mengevaluasi kebijakan dan and evaluating liquidity management policies and strategies to
strategi pengelolaan likuiditas untuk menjaga likuiditas, memenuhi maintain liquidity, meet the Bank’s liquidity needs, and minimize
likuiditas Bank dan meminimalisasi idle funds. Pembentukan idle funds. The establishment of ALCO aims to achieve optimum
ALCO bertujuan untuk mencapai tingkat profitabilitas Bank secara levels of Bank profitability while complying with applicable
optimum dengan tetap memenuhi ketentuan yang berlaku. regulations.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Pedoman Kerja ALMA & ALCO Charter
ALCO menjalankan tugas tanggung jawabnya dengan ALCO carries out its duties and responsibility based on Circular
berpedoman pada Surat Edaran No. SE.002/2023/DIR6-TRS Letter no. SE.002/2023/DIR6-TRS concerning Asset & Liability
tentang Asset & Liability Management (ALMA) Working Group Management (ALMA) Working Group and Asset & Liability
dan Asset & Liability Committee (ALCO). Committee (ALCO).
Struktur dan Komposisi Structure and Composition of ALMA & ALCO
Struktur dan komposisi ALMA & ALCO berdasarkan Surat Keputusan The structure and composition of ALMA & ALCO based on
No. SK.018/2023/DIR6-TRS diungkapkan sebagai berikut. Decision Letter No. SK.018/2023/DIR6-TRS are as follows.
Jabatan dalam Komite Pelaksana Hak Suara
Position in Committee Manager Vote Rights
Ketua / Chairman President Director √
Anggota dengan Hak Suara / Lending & Wholesale Banking Director √
Members with voting rights
Retail Banking Director √
Operation & Data Analytic Director √
Information Technology & Digital Experience Director √
Sharia Director √
Sharia Financing Director √
Sharia Optimization Director √
Compliance & Risk Management Director X
Anggota Inti / Core Members Treasury & Financial Institution Group Head X
Corporate Management (Corporate & Commercial) Group Head X
Risk Management Group Head X
Deposit Investment Product Development Group Head X
Sales & Distribution Group Head X
Corporate Banking Business Solution Group Head X
Finance & Performance Management Group Head X
Corporate Banking & Commercial Business Management Group Head X
Micro, Small & Medium Enterprise Business Group Head X
Sharia Business Unit Group Head X
Anggota Pendukung / Credit Analyst & Early Warning (Corporate & Commercial) Division Head X
Supporting Members
Regional Corporate Banking Funding Group Head X
Financial Planning & Controlling Division Head X
Treasury - Asset & Liability Management Division Head X
Market, Liquidity & Enterprise Risk Management Division Head X
Invitee ALCO Internal Audit Group Head X
Compliance Group Head X
Pernyataan Independensi Statement of Independence of ALCO
Bank menjamin bahwa seluruh anggota ALCO bertindak secara The Bank ensures that all members of ALCO act independently
independen dan tidak menerima/melakukan intervensi dari/ and do not receive/perform interventions from/to other parties.
kepada pihak lainnya. ALCO juga tidak memiliki kepentingan serta ALCO also do not have personal interests or affiliations that could
keterkaitan yang bersifat pribadi, yang berpotensi menimbulkan potentially create conflicts of interest with the Bank.
benturan kepentingan (conflict of interest) dengan Bank.
Tugas dan Tanggung Jawab ALCO Duties and Responsibilities of ALCO
ALCO bertanggung jawab untuk mengarahkan dan menentukan ALCO are responsible for directing and determining plans,
rencana, kebijakan, strategi, struktur neraca, likuiditas, profitabilitas, policies, strategies, balance sheet structures, liquidity, profitability,
dan risiko yang terkait dengan risiko valuta asing dan tingkat suku and risks associated with foreign currency and interest rate risks
bunga melalui proses pengawasan, identifikasi dan pengukuran through a process of monitoring, identifying, and measuring risk
paparan risiko dengan memperhatikan prinsip kehati-hatian. exposure while adhering to the precautionary principle.
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Secara garis besar, ALCO melakukan tinjauan, analisis, dan Generally, ALCO conducts reviews, analysis, and makes
memberi rekomendasi saat diperlukan dalam hal-hal yang recommendations needed regarding qualitative and quantitative
menyangkut rasio kualitatif dan kuantitatif, likuiditas dan indikator ratios, liquidity, and market indicators as follows.
pasar sebagai berikut.
1. Mengkaji ulang dan merekomendasikan penetapan suku 1. Review and recommend the determination of basic interest
bunga dasar (pricing) yang dikenakan terutama pada produk rate (pricing) to be charged primarily on credit/financing
kredit/pembiayaan dan funding yang berlaku untuk menjaga products and funding that apply to maintain interest rate in
tingkat suku bunga dalam rangka mendorong tercapainya order to boost the use of funds and funding cost optimally to
penggunaan dana dan biaya pendanaan yang optimal yang be determined at ALCO meeting.
akan di putuskan pada rapat ALCO.
2. Memberi arahan strategi mengenai struktur modal 2. Provide strategic direction related to the Company’s capital
perusahaan, pengalokasian modal di antara berbagai bisnis structure, capital allocation among different business units,
unit, menetapkan dan menyetujui kebijakan, strategi dan determine and approve policies, strategies, and liquidity
pedoman likuiditas dalam pendanaan untuk memaksimumkan guidelines in financing to maximize income, and guarantee
pendapatan, dan memastikan permintaan dan sumber dana. demand and sources of funds.
3. Melakukan pengelolaan likuiditas dengan berusaha menjaga 3. Manage liquidity by keeping a minimum liquidity gap between
kesenjangan likuiditas seminimal mungkin antara komposisi aset the composition of assets and liabilities in a certain period
dan liabilitas pada suatu periode tertentu terkait kesenjangan including cash flow, repricing gaps, interest rate gaps, and
arus kas, kesenjangan repricing, kesenjangan suku bunga dan gaps between maturity periods.
kesenjangan antara jangka waktu jatuh tempo.
4. Memberi arahan dalam mengelola aset dan liabilitas yang sensitif 4. Provide guidance in managing interest rate sensitive assets
terhadap suku bunga (interest rate sensitive assets and liabilities) and liabilities during fluctuating interest rate to optimize
dalam kondisi pergerakan suku bunga yang berfluktuasi untuk profits or minimize losses
mengoptimalkan laba atau meminimalkan kerugian.
5. Pemantauan atas pemenuhan rasio-rasio regulator (seperti 5. Monitor compliance with regulatory ratios (such as the
rasio intermediasi makroprudensial (RIM), rasio alat likuid macroprudential intermediation ratio (RIM), liquid assets
terhadap non-core deposit (ALNCD), rasio alat likuid terhadap to non-core deposits ratio (ALNCD), liquid assets to third-
dana pihak ketiga (ALDPK), liquidity coverage ratio (LCR), party funds ratio (ALDPK), liquidity coverage ratio (LCR), net
net stable funding ratio (NSFR), delta economic value of equity stable funding ratio (NSFR), delta economic value of equity
(ΔEVE), rasio deposan inti, dan lain-lain), giro wajib minum (ΔEVE), core depositor ratio, and others), mandatory reserve
(GWM), penyangga likuiditas makroprudensial (PLM). requirement (GWM), macroprudential liquidity buffer (PLM).
6. Melakukan pemantauan terkait portofolio kepemilikan 6. Carry out monitoring on investment ownership portfolios
investasi yang dilakukan terkait penetapan penempatan, conducted related to the determination of placements,
besaran notional portofolio, mata uang portofolio investasi portfolio notional amounts, investment portfolio currencies,
dan management action trigger (MAT). and management action triggers (MAT).
7. Menetapkan limit terhadap aktivitas Treasury Konvensional 7. Establish limits on conventional Treasury and UUS Treasury
dan Treasury UUS untuk menghindari konsentrasi portofolio activities to prevent portfolio concentration on specific
pada instrumen dan counter parties tertentu serta instruments and counterparties, as well as establish policies
menetapkan kebijakan dan pengarahan terhadap treasury and directions for the treasury in managing liquidity.
dalam mengelola likuiditas.
8. Melakukan kaji ulang terkait kebijakan rencana pendanaan 8. Conduct review on policies regarding contingency funding
darurat (contingency funding plan/CFP) dan pinjaman likuiditas plan (CFP) and Short-Term Liquidity Loan (PLIP) of Bank
jangka pendek (PLJP) Bank Indonesia serta melakukan uji coba Indonesia, as well as conducting periodic trials on CFP and
terkait CFP dan PLJP Bank Indonesia secara berkala. PLIP of Bank Indonesia.
9. Menyusun kebijakan dan memberikan usulan dalam 9. Formulate policies and provide recommendations for
pengelolaan dan pengendalian kekayaan dan kewajiban managing and controlling assets the Bank’s assets and
keuangan Bank. financial liabilities.
10. Memberikan wewenang kepada ketua dan sekretaris ALCO 10. Delegate authority to chairman and secretary of ALCO to
untuk menyusun dan menetapkan tata tertib; prepare and set rules of conduct.
11. Memberikan kewenangan kepada ALCO untuk mengundang 11. Delegate authority to ALCO to invite other parties to the
pihak lain untuk hadir dalam rapat, apabila terjadi perubahan meeting if the economic situation and money market interest
pada situasi ekonomi dan suku bunga pasar uang. rate change.
12. Memiliki wewenang dan melakukan kaji ulang secara berkala 12. Hold the authority and conduct periodic reviews to determine
dalam menentukan susunan anggota ALCO serta wewenang, the composition of members of ALCO, as well as the authority,
tugas dan tanggung jawab ALCO. duties, and responsibilities of ALCO.
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Rapat ALCO’s Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun Based on Financial Services Authority Regulation No. 17 of 2023
2023 tentang Penerapan Tata Kelola bagi Bank Umum, Rapat ALCO on the Implementation of Governance for Commercial Banks,
diselenggarakan sesuai dengan kebutuhan Bank. Sepanjang tahun ALCO’s meetings are organized in accordance with the Bank’s
2023, komite ini menyelenggarakan 11 kali rapat, dengan agenda needs. Throughout 2023, this committee held 11 meetings, with
membahas Market Outlook, Performance Highlight, Credit Highlight, agendas covering Market Outlook, Performance Highlights, Credit
Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko Highlights, Liquid-ity, Deposits, Market Risk Monitoring, Liquidity
Likuiditas, Deposan Inti, dan Net Interest Income (NII). Risk Monitoring, Core Deposits, and Net Interest Income (NII).
Tanggal Agenda
Date Agenda
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
24 Januari 2023 Likuiditas, Deposan Inti, dan NII.
January 24, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
21 Februari 2023 Likuiditas, Deposan Inti, dan NII.
February 21, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
20 Maret 2023 Likuiditas, Deposan Inti, dan NII.
March 20, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
17 April 2023 Likuiditas, Deposan Inti, dan NII.
April 17, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
22 Mei 2023 Likuiditas, Deposan Inti, dan NII.
May 22, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
19 Juni 2023 Likuiditas, Deposan Inti, dan NII.
June 19, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
24 Juli 2023 Likuiditas, Deposan Inti, dan NII.
July 24, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
21 Agustus 2023 Likuiditas, Deposan Inti, dan NII.
August 21, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
25 September 2023 Likuiditas, Deposan Inti, dan NII.
September 25, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
23 Oktober 2023 Likuiditas, Deposan Inti, dan NII.
October 23, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Market Outlook, Performance Highlight, Credit Highlight, Likuiditas, DPK, Pemantauan Risiko Pasar, Pemantauan Risiko
14 Desember 2023 Likuiditas, Deposan Inti, dan NII.
December 14, 2023 Market Outlook, Performance Highlight, Credit Highlight, Liquidity, DPK (Third Party Funds), Market Risk Monitoring, Liquidity
Risk Monitoring, Core Deposits, and Net Interest Income.
Pelaksanaan Tugas dan Tanggung Jawab Tahun 2023 Implementation of Duties and Responsibilities in 2023
Sepanjang tahun 2023, ALCO Bank Sinarmas telah melaksanakan Throughout 2023, ALMA & ALCO of Bank Sinarmas carried out
tugas dan tanggung jawab sebagai berikut. their duties and responsibilities as follows.
1. Memacu pertumbuhan portofolio pinjaman pada beberapa 1. Boosting loan portfolio growth in several key products.
produk kunci.
2. Memastikan tingkat likuiditas Bank selalu berada pada level 2. Ensuring the Bank’s liquidity at the optimum level at all times.
yang optimum.
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3. Melakukan pemantauan atas strategi pricing pendanaan 3. Actively monitoring the financing pricing strategy by considering
secara aktif dengan mempertimbangkan tingkat kebutuhan the level of financing needs, market conditions and competition
pendanaan, kondisi dan kompetisi di pasar serta tingkat as well as the funding pricing level set by the regulator.
pricing pendanaan yang ditetapkan oleh regulator.
4. Menjaga kondisi likuiditas Bank secara stabil dengan tetap 4. Maintaining the Bank’s liquidity in a stable condition while
meningkatkan pendapatan Bank sesuai dengan Rencana increasing the Bank’s income in accordance with the Bank’s
Bisnis Bank yang telah di tetapkan di tahun 2022. Business Plan set for 2022.
5. Menjaga rasio-rasio regulator tetap berada dalam batasan 5. Maintaining regulator ratios within the regulator’s limits,
yang telah di tetapkan oleh regulator, yaitu LCR, NSFR, (ΔEVE, such as LCR, NSFR, Delta Economic Value of Equity (ΔEVE),
AL NCD, GWM, PLM, rasio deposan inti, RIM, dan lain-lain. AL NCD, Reserve Requirement (GWM), Macroprudential
Liquidity Buffer (PLM), core depositor ratio, Macroprudential
Intermediation Ratio (RIM), etc.
6. Melakukan investasi pada portofolio yang memiliki risiko 6. Investing in low-risk portfolio that can still produce maximum
rendah namun tetap dapat menghasilkan pendapatan yang income during the COVID-19 pandemic.
maksimal di dalam kondisi pandemi Covid-19.
7. Menetapkan strategi terkait penetapan suku bunga dasar 7. Developing a strategy to find the base interest rate to use as
sebagai acuan dalam melakukan intermediasi dengan a reference in conducting intermediation by channeling credit
menyalurkan kredit serta mendapat pendanaan agar dapat and getting financing in order to remain competitive in the
tetap bersaing di pasar perbankan. banking market.
8. Mengkaji serta menyetujui beberapa kebijakan dan metodologi 8. Reviewing and approving various liquidity policies and
terkait likuiditas, seperti standar operasional prosedur methodologies such as Standard Operating Procedures
contingency funding plan, SK terkait ALCO, parameter CFP, for contingency funding plan, SK related to ALCO, CFP
testing terkait CFP dan PLJP, dan lain-lain. Parameters, Testing related to CFP and PLIP, etc.
9. Melakukan pemantauan terkait kinerja Bank secara 9. On a monthly basis, monitoring the Bank’s overall
keseluruhan dalam hal pencapaian dari sisi kredit, pendanaan, performance in term of credit, financing, cost of fund (COF),
cost of fund (COF), non-performing loan (NPL), net interest non-performing loan (NPL), net interest margin (NIM, and
margin (NIM), dan core funding secara berkala sebulan sekali. core funding.
10. Memperhatikan market outlook secara global, makro dan 10. Observing the global market outlook, macro, and
mikro ekonomi serta internal dalam rangka menetapkan microeconomics, as well as internal factors in order to
strategi Bank ke depan serta pengaruh portofolio investasi determine the Bank’s future strategy and the impact of its
yang dimiliki atas iklim ekonomi secara keseluruhan. investment portfolio on the overall economic environment.
Komite Kredit/Pembiayaan Credit/Financing Committee
Komite Kredit/Pembiayaan merupakan komite yang terdiri dari Credit/Financing Committee is a committee consisting of members
anggota Direksi Bank dan pejabat terkait yang bertanggung of the Bank’s Board of Directors and related officials who are
jawab dan berwenang untuk memutuskan jumlah eksposur Bank responsible and authorized to decide the amount of the Bank’s
dalam bentuk aktiva produktif sesuai dengan jumlah atau limit exposure in the form of earning assets based on a predetermined
tertentu yang telah ditetapkan. amount or limit.
Untuk menjamin pemberian kredit/pembiayaan yang objektif In order to ensure objective and high-quality of credit/financing,
dan berkualitas, maka pada setiap keputusan kredit/pembiayaan every credit/financing decision is principally based on the results
didasarkan pada hasil keputusan bersama, yaitu hasil keputusan of a joint decision, namely the decision of the Credit/Financing
Komite Kredit/Pembiayaan. Committee.
Komite Kredit/Pembiayaan di Bank, terdiri dari Komite Kredit/ Credit/Financing Committee at the Bank consists of a Corporate
Pembiayaan Korporasi, Komite Kredit/Pembiayaan Retail Business, Credit/Financing Committee, Retail Business Credit/Financing
Komite Kredit/Pembiayaan Micro & Small Business, dan Komite Committee, Micro & Small Business Credit/Financing Committee,
Kredit/Pembiayaan Consumer Loan. Komite tersebut dibentuk and Consumer Loan Credit/Financing Committee. The committees
berdasarkan keputusan Direksi dengan susunan keanggotaan are established based on the Board of Directors’ decision, with
mengacu pada prinsip four eyes principle. the membership composition referring to the ‘four eyes principle’.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Pedoman Kerja Credit/Financing Committee Charter
Komite Kredit/Pembiayaan menjalankan tugas tanggung jawabnya The Credit/Financing Committee carries out its duties and
dengan berpedoman pada ketentuan eksternal maupun internal responsibilities in accordance with applicable external and internal
yang berlaku, antara lain: provisions, in-cluding:
maupun internal yang berlaku, antara lain: 1. Financial Services Authority Regulation No. 17 of 2023
1. Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tentang concerning the Imple-mentation of Governance for Commer-
Penerapan Tata Kelola bagi Bank Umum; cial Banks;
2. Peraturan Otoritas Jasa Keuangan No. 42 tahun 2017 2. Financial Services Authority Regulation No. 42 of 2017
tentang Kewajiban Penyusunan dan Pelaksanaan Kebijakan concerning the Obliga-tion to Formulate and Implement
Perkreditan atau Pembiayaan Bank bagi Bank Umum; Cred-it or Financing Policies for Commercial Banks;
3. Surat Keputusan tentang Kebijakan Perkreditan Bank atau 3. Decision Letter on the Bank Credit or Fi-nancing Policies;
Pembiayaan; 4. Decision Letter on Standard Operating Procedures (SOP) of
4. Surat Keputusan tentang Standar Operasional Prosedur (SOP) Credit for each segment; and
Perkreditan masing-masing segmen; dan 5. Decision Letter on Composition and Au-thority to Determine
5. Surat Keputusan tentang Susunan dan Wewenang Memutus the Credit Com-mittees for each segment.
untuk Komite Kredit masing-masing segmen.
Pernyataan Independensi Statement of Independency
Bank menjamin bahwa seluruh anggota Komite Kredit/ The Bank ensures that all members of the Cred-it/Financing
Pembiayaan bertindak secara independen dan tidak menerima/ Committee act independently and do not receive or engage in
melakukan intervensi dari/kepada pihak lainnya. Komite Kredit/ interventions from or towards other parties. The Credit/Financing
Pembiayaan juga tidak memiliki kepentingan serta keterkaitan Committee also does not have personal inter-ests or connections
yang bersifat pribadi yang berpotensi menimbulkan benturan that may potentially create conflicts of interest with the Bank.
kepentingan (conflict of interest) dengan Bank.
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Komite Kredit/Pembiayaan, meliputi: Duties and Responsibilities of the Cred-it/Financing Committee
1. Memberikan persetujuan atau penolakan kredit/pembiayaan include:
sesuai dengan batas wewenang atau jenis kredit/pembiayaan 1. Approving or rejecting credit/financing in accordance with the
yang ditetapkan oleh Direksi; authority limits or types of credit/financing determined by the
2. Melakukan koordinasi dengan Assets and Liabilities Committee Board of Directors;
(ALCO) dalam aspek pendanaan kredit/pembiayaan; 2. Coordinating with the Assets and Liabil-ities Committee
3. Melaksanakan tugas terutama dalam pemberian persetujuan (ALCO) in the financing aspect of credit/financing;
kredit/pembiayaan berdasarkan kompetensinya secara jujur, 3. Carrying out duties primarily in approv-ing credit/financing
objektif, cermat, serta seksama; dan based on compe-tency with honesty, objectivity, accura-cy,
4. Menolak permintaan dan/atau pengaruh pihak yang and carefulness; and
berkepentingan dengan pemohon kredit/pembiayaan untuk 4. Rejecting requests and/or influence from interested parties
memberikan persetujuan kredit/pembiayaan yang hanya with cred-it/financing applicants to provide ap-proval for
bersifat formalitas. credit/financing that is mere-ly formalities.
Komite Human Capital Human Capital Committee
Komite Human Capital dibentuk oleh Direksi untuk mendukung Human Capital Committee is established by the Board of Directors
pelaksanaan tugas dan tanggung jawab di bidang sumber daya to support the implementation of duties and responsibilities in
manusia. Komite ini berperan dalam menjaga independensi human resources area. This committee plays a role in maintaining
dan penerapan prinsip manajemen risiko dalam pengambilan independence and implementing risk management principles in
keputusan terkait promosi, mutasi, demosi, dan pengunduran diri decision-making related to promotions, transfers, demotions, and
untuk karyawan setingkat department head ke atas. resignations for employees at the department head level and above.
Pedoman Kerja Human Capital Committee Charter
Komite Human Capital menjalankan tugas tanggung The Human Capital Committee carries out its duties and
jawabnya dengan berpedoman pada Surat Keputusan No. responsibilities based on Decision Letter No. SK.032/2023/
SK.032/2023/PRESDIR-HCSS tentang Susunan dan Wewenang PRESDIR-HCSS on the Composition and Authority of Human
Human Capital Committee. Capital Committee.
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Struktur dan Komposisi Structure and Composition of the
Human Capital Committee
Struktur dan komposisi Komite Human Capital berdasarkan Surat Structure and composition of the Human Capital Committee
Keputusan No. SK.032/2023/PRESDIR-HCSS tentang Susunan dan based on the Decision Letter No. SK.032/2023/ PRESDIR-HCSS on
Wewenang Human Capital Committee, diungkapkan sebagai the Composition and Authority of the Human Capital Committee
berikut. is disclosed as follows.
Jabatan dalam Komite Pelaksana Hak Suara
Position in Commitee Manager Voting Rights
Ketua / Chairman Direktur Utama / President Director √
Direktur yang membawahi unit kerja terkait dengan perihal yang diputuskan / √
Anggota / Member
Director who is in charge of the work unit related to the subject of the decision
Anggota / Member Direktur yang membawahi bidang Sumber Daya Manusia / Director in charge of Human Resources √
Pejabat Eksekutif tertinggi yang membawahi bidang Sumber Daya Manusia / √
Anggota / Member
The highest Executive Officer in charge of Human Resources
Sekretaris / Secretary Human Capital Process & Performance Management Division Head X
Pernyataan Independensi Statement of Independency of
Human Capital Committee
Bank menjamin bahwa seluruh anggota Komite Human Capital The Bank ensures that all members of the Human Capital
bertindak secara independen dan tidak menerima/melakukan Committee act independently and do not receive/perform
intervensi dari/kepada pihak lainnya. Komite Human Capital juga interventions from/to other parties. The Human Capital Committee
tidak memiliki kepentingan serta keterkaitan yang bersifat pribadi also does not have personal interests or affiliations that could
yang berpotensi menimbulkan benturan kepentingan (conflict of potentially create conflicts of interest with the Bank
interest) dengan Bank.
Tugas dan Tanggung Jawab Duties and Responsibilities of
Human Capital Committee
Tugas dan tanggung jawab Komite Human Capital, yakni: Duties and Responsibilities of the Human Capital Committee
1. Memutuskan promosi, mutasi, dan demosi untuk karyawan include:
dengan jabatan setingkat department head atau lebih tinggi; 1. Determine promotions, transfer, and demotions for employees
dan with position at department head or higher; and
2. Memutuskan pengunduran diri bagi Pejabat Eksekutif. 2. Determine the resignation of Executive Officer.
Rapat Human Capital Committee’s Meeting
Rapat Komite Human Capital wajib diselenggarakan apabila The Human Capital Committee meeting must be held if there
terdapat permasalahan terkait dengan sumber daya manusia are issues related to human resources that require immediate
yang membutuhkan keputusan mendesak. Namun, rapat hanya decision. However, the meeting can only proceed if attended by
dapat dilaksanakan apabila dihadiri oleh paling kurang 2/3 dari at least 2/3 of the total Committee members. Throughout 2023,
jumlah anggota Komite. Sepanjang tahun 2023, tidak terdapat there was no Human Capital Committee meetings.
pelaksanaan rapat Komite Human Capital.
Pelaksanaan Tugas dan Tanggung Jawab Tahun 2023 Implementation of Duties and Responsibilities in 2023
Sepanjang tahun 2023, Komite Human Capital telah melakukan Throughout 2023, the Human Capital Committee made decision
pengambilan keputusan terkait terkait promosi dan mutasi 91 on promotions and transfers for 91 employees.
karyawan.
Komite Information Technology Information Technology Committee
Komite Information Technology (IT) merupakan komite di tingkat The Information Technology (IT) Committee is an executive-
eksekutif yang memberikan rekomendasi terkait penetapan level committee providing recommendations regarding the
rencana strategis terkait pelaksanaan sistem teknologi informasi. establishment of strategic plans related to the implementation
Komite ini dibentuk untuk meningkatkan daya saing Bank dalam of information technology system. The Committee is established
hal pemanfaatan teknologi informasi yang tepat guna. to enhance the Bank’s competitiveness in utilizing appropriate
information technology.
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Pedoman Kerja Information Technology Committee Charter
Komite IT menjalankan tugas tanggung jawabnya dengan The IT Committee carries out its responsibilities guided by
berpedoman pada SK.014/2023/DIR4-IT tanggal 11 September SK.014/2023/DIR4-IT dated September 11, 2023, regarding the
2023 tentang Information Technology Steering Committee Charter. Information Tech-nology Steering Committee Charter.
Struktur dan Komposisi Structure and Composition of Information
Technology Committee
Struktur dan komposisi Komite IT berdasarkan SK.014/2023/DIR4-IT The structure and composition of the IT Committee based on
tanggal 11 September 2023 tentang Information Technology SK.014/2023/DIR4-IT dated September 11, 2023, regarding the
Steering Committee Charter, diungkapkan sebagai berikut. Information Technology Steering Committee Charter, are as follows:
Jabatan dalam Komite Pelaksana Hak Suara
Positon in Committee Manager Voting Rights
Ketua / Chairman Direktur Utama / President Director √
Direktur yang membidangi Information Technology & Digital Experience /
Wakil Ketua / Vice Chairman √
Director in Charge of Information Technology & Digital Experience
Pejabat tertinggi yang membidangi IT Governance, Strategy, Architecture, Planning &
Sekretaris / Secretary Information Security / Top official in Charge of IT Governance, Strategy, Architecture, Planning & √
Information Security
Direktur yang membidangi Compliance & Risk Management /
√
Director in Charge of Compliance & Risk Management
Anggota / Member
Pejabat tertinggi yang membidangi Finance & Performance Management /
√
Top official in Charge of Finance & Performance Management
Pernyataan Independensi Statement of Independency
Bank menjamin bahwa seluruh anggota Komite IT bertindak secara The Bank ensures that all members of the Information Technology
independen dan tidak menerima/melakukan intervensi dari/kepada Committee act independently and do not receive/perform
pihak lainnya. Komite IT juga tidak memiliki kepentingan serta interventions from/to other parties. The Information Technology
keterkaitan yang bersifat pribadi yang berpotensi menimbulkan Committee also does not have personal interests or affiliations
benturan kepentingan (conflict of interest) dengan Bank. that could potentially create conflicts of interest with the Bank.
Tugas dan Tanggung Jawab Duties and Responsibilities
Komite IT memiliki wewenang dan tanggung jawab untuk The IT Committee has the authority and responsibility to provide
memberikan rekomendasi kepada Direksi meliputi namun tidak recommendations to the Board of Directors including but not
terbatas pada: limited to:
1. Rencana strategis TI yang sejalan dengan rencana korporasi 1. IT strategic plans aligned with the Bank's corporate plans;
Bank;
2. Kebijakan, Standar, dan Prosedur TI; 2. IT policies, standards, and procedures;
3. Kesesuaian antara rencana pengembangan TI dan rencana 3. Conformity between IT development plans and IT strategic
strategis TI; plans;
4. Kesesuaian antara pelaksanaan pengembangan TI dan 4. Conformity between the implementation of IT development
rencana pengembangan TI; and IT development plans;
5. Evaluasi atas efektivitas biaya TI terhadap pencapaian manfaat 5. Evaluation of IT cost-effectiveness in achieving planned
yang direncanakan; benefits;
6. Pemantauan atas kinerja TI dan upaya peningkatan kinerja TI; 6. Monitoring of IT performance and efforts to improve IT
performance.
7. Upaya penyelesaian berbagai masalah terkait TI yang 7. Efforts to resolve various IT-related issues that cannot be
tidak dapat diselesaikan oleh satuan kerja pengguna dan effectively, efficiently, and timely resolved by user units and IT
penyelenggara TI secara efektif, efisien, dan tepat waktu; service providers;
8. Kecukupan dan alokasi sumber daya terkait TI yang dimiliki Bank; 8. Adequacy and allocation of the Bank's IT-related resources;
9. Mengkaji technology threshold untuk permintaan produk 9. Reviewing technology thresholds for requests for new
atau teknologi baru. Yaitu bahwa produk atau teknologi products or technologies. This means that the requested
yang diminta akan menghasilkan biaya pengembangan dan products or technologies will result in lower development and
operasional yang lebih rendah dibandingkan dengan biaya riil, operational costs compared to real costs, risk costs, and/or
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biaya risiko, dan/atau biaya kesempatan (opportunity cost) atas opportunity costs for manual solutions or solutions without
solusi manual atau tanpa produk atau teknologi yang diminta; the requested products or technologies;
10. Mengkaji business case untuk produk-produk baru, 10. Reviewing business cases for new products, required
kebutuhan kapabilitas yang diperlukan, serta memberikan capability needs, and providing approval or making necessary
persetujuan atau melakukan penyesuaian yang diperlukan; adjustments.
11. Mengkaji arsitektur perusahaan (enterprise architecture) 11. Reviewing enterprise architecture and technology product
dan rencana pengembangan produk teknologi (technology roadmap development plans;
product roadmap);
12. Kesesuaian antara TI dengan kebutuhan sistem informasi 12. Conformity between IT with management information system
manajemen serta kebutuhan kegiatan usaha Bank; dan needs and the Bank’s business activities; and
13. Efektivitas langkah-langkah dalam meminimalisasi risiko atas 13. Effectiveness of actions to minimize risks associated with
investasi Bank pada sektor TI agar investasi Bank pada sektor the Bank's investments in the IT sector so that investments
TI memberikan kontribusi terhadap pencapaian tujuan bisnis in the IT sector contribute to achieving the Bank's business
Bank. objectives.
Rapat Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun According to the provisions of Financial Services Authority
2023 tentang Penerapan Tata Kelola bagi Bank Umum, Rapat Regulation No. 17 of 2023 on Implementation of Governance for
Komite IT diselenggarakan sesuai dengan kebutuhan Bank. Commercial Banks, the IT Committee meetings are held as needed
Sepanjang tahun 2023, komite ini menyelenggarakan 4 kali rapat, by the Bank. Throughout 2023, this committee held 4 meetings,
dengan agenda sebagai berikut. with the following agendas.
Tanggal Agenda
Date Agenda
6 November 2023 Product Workshop & Prioritasi Inisiatif 2024 (Direktorat IT & Digital Experience)
November 6, 2023 Product Workshop & Initiative Priorities 2024 (IT & Digital Experience Directorate)
7 November 2023 Product Workshop & Prioritasi Inisiatif 2024 (Direktorat Retail Banking, Direktorat Lending & Wholesale Banking, dan Direktorat
November 7, 2023 President Director)
Product Workshop & Initiative Priorities 2024 (Retail Banking Directorate, Lending & Wholesale Banking Directorate, and President
Director Directorate)
7 November 2023 Product Workshop & Prioritasi Inisiatif 2024 (Direktorat IT & Digital Experience, Direktorat Operations & Data Analytics, dan
November 7, 2023 Direktorat Compliance & Risk Management)
Product Workshop & Initiative Priorities 2024 (IT & Digital Experience Directorate, Operations & Data Analytics Directorate, and
Compliance & Risk Management Directorate)
8 November 2023 Product Workshop & Prioritasi Inisiatif 2024
November 8, 2023 Product Workshop & Initiative Priorities 2024
Pelaksanaan Tugas dan Tanggung Jawab Tahun 2023 Implementation Duties and Responsibilities in 2023
Sepanjang tahun 2023, Komite IT Bank Sinarmas telah Throughout 2023, the IT Committee of Bank Sinarmas carried
melaksanakan tugas dan tanggung jawabnya sesuai dengan out its duties and responsibilities in accordance with Financial
POJK No. 11/POJK.03/2022 tentang Penyelenggaraan Teknologi Services Authority Regulation No. 11/POJK.03/2022 on the
Informasi oleh Bank Umum dan SK.014/2023/DIR4-IT tentang Implementation of Information Technology by Commercial Banks
Information Technology Steering Committee Charter. and SK.014/2023/DIR4-IT on the Information Technology Steering
Committee Charter.
Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee
Konglomerasi keuangan adalah Lembaga Jasa Keuangan (LJK) Financial conglomeration is Financial Services Institution (LJK) that
yang berada dalam satu grup atau kelompok karena adanya operates under one group due to shared ownership and/or control.
keterkaitan kepemilikan dan/atau pengendalian. Konglomerasi The financial conglomeration is led by the Main Entity (EU) which
keuangan dikepalai oleh Entitas Utama (EU) yang merupakan is the parent of LJK of the Financial Conglomeration appointed
LJK induk Konglomerasi Keuangan yang ditunjuk oleh Pemegang by the controlling shareholders of the Financial Conglomeration.
Saham pengendali Konglomerasi Keuangan.
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Bank Sinarmas selaku Entitas Utama dalam Konglomerasi Keuangan Bank Sinarmas, as the Main Entity within Sinar Mas Financial
Sinar Mas melakukan penerapan manajemen risiko terintegrasi secara Conglomeration, implements comprehensive and effective
komprehensif dan efektif yang disesuaikan dengan karakteristik dan integrated risk management adjusted to the characteristics and
kompleksitas usaha. complexity of its business operations.
Entitas Utama telah menetapkan tujuan, ruang lingkup, struktur The Main Entity has set objectives, scope, and structure for
Konglomerasi Keuangan dan membentuk Komite Manajemen the Financial Conglomeration and formed an Integrated Risk
Risiko Terintegrasi yang beranggotakan Direktur Entitas Utama Management Com-mittee consisting of the Directors of the Main
yang membawahkan fungsi Manajemen Risiko sebagai ketua Entity leading the Risk Management function as the Chairman
merangkap anggota Komite Manajemen Risiko Terintegrasi, Direktur cum member of the Integrated Risk Management Committee,
yang mewakili atau ditunjuk dari LJK Konglomerasi Keuangan, dan Directors repre-senting or appointed from the Financial Services
Pejabat Eksekutif sebagai anggota tetap dan dapat ditambah dengan Institutions (LJK) of the Financial Conglomera-tion, and Executive
keanggotaan yang bersifat tidak tetap sesuai kebutuhan dalam Officers as permanent members, with the possibility of adding
Lembaga Jasa Keuangan Konglomerasi Keuangan Sinar Mas dengan non-permanent members as needed within the Fi-nancial Services
tugas dan tanggung jawab dalam penerapan Tata Kelola Terintegrasi Institution of Sinar Mas Financial Conglomeration. Their duties
disesuaikan dengan karakteristik dan kompleksitas usaha serta risiko and responsibilities in implementing Integrated Governance are
yang melekat pada Konglomerasi Keuangan. Hasil rapat Komite tai-lored to the characteristics and complexity of the business and
Manajemen Risiko Terintegrasi dituangkan dalam risalah rapat dan risks inherent in the Financial Con-glomeration. The outcomes of
didokumentasikan dengan baik. Integrated Risk Management Committee meetings are recorded in
meeting minutes and documented appropri-ately.
Pedoman Kerja Charter
Komite Manajemen Risiko Terintegrasi menjalankan tugas tanggung The Integrated Risk Management Committee carries out its duties
jawabnya dengan berpedoman pada Peraturan Otoritas Jasa and responsibilities in ac-cordance with the Financial Services
Keuangan No. 17/POJK.03/2017 tentang Penerapan Manajemen Authority Regulation No. 17/POJK.03/2017 on the Imple-mentation
Risiko Terintegrasi bagi Konglomerasi Keuangan dan Surat of Integrated Risk Management for Financial Conglomeration and
Keputusan No. 023/2023/DIRUT-EU tentang Pedoman Tata Tertib the Decision Letter No. 023/2023/DIRUT-EU on the Charter and
Komite Manajemen Risiko Terintegrasi. Code of Conducts for the Integrated Risk Man-agement Committee.
Struktur dan Komposisi Structure and Composition
Struktur dan komposisi Komite Manajemen Risiko Terintegrasi The structure and composition of the Integrated Risk Management
berdasarkan Surat Keputusan No. 023/2023/DIRUT-EU tentang Committee, based on Deci-sion letter No. 023/2023/DIRUT-EU
Pedoman dan Tata Tertib Kerja Komite Manajemen Risiko on the Char-ter and Code of Conducts for the Integrated Risk
Terintegrasi, diungkapkan sebagai berikut. Management Committee, are as follows.
Jabatan dalam Komite Pelaksana Hak Suara
Position in Committee Manager Voting Rights
Ketua (Anggota Tetap) /
Direktur Entitas Utama yang membawahi manajemen risiko terintegrasi (PT. Bank Sinarmas Tbk.) /
Chairman √
Director of Main Entity in charge of the integrated risk management (PT. Bank Sinarmas Tbk.)
(Permanent Member)
Sekretaris Komite
(Anggota Tetap) / Satuan Kerja Manajemen Risiko Entitas Utama /
√
Secretary to Committee Risk Management Work Unit of the Main Entity
(Permanent Member)
Direktur Utama Entitas Utama / President Director of Main Entity √
Anggota Tetap Seluruh Direktur Lembaga Jasa Keuangan Konglomerasi Keuangan Sinar Mas yang membawahi
Permanent Member Fungsi Manajemen Risiko dan/atau Direktur yang ditunjuk oleh Lembaga Jasa Keuangan. /
√
All Directors of the Financial Services Institution of Sinar Mas Financial Conglomerate in charge
of the Risk Management Function and/or Director appointed by the Financial Services Institution
Kepala Satuan Kerja Kepatuhan Entitas Utama / Head of Compliance Work Unit of the Main Entity
Kepala Satuan Kerja Audit Internal Entitas Utama / Head of Internal Work Unit of the Main Entity X
Anggota Tidak Tetap
Non-Permanent Member Satuan Kerja yang melaksanakan Fungsi Manajemen Risiko pada masing-masing LJK dalam
Konglomerasi Keuangan Sinar Mas / Units that carry out the Risk Management Function in each X
Financial Services Institution within the Sinar Mas Financial Conglomerate.
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Tugas dan Tanggung Jawab Duties and Responsibilities
Komite Manajemen Risiko Terintegrasi memiliki wewenang dan The Integrated Risk Management Committee has the authority
tanggung jawab untuk memberikan rekomendasi kepada Direksi and responsibilities to provide recommendations to the Board of
Entitas Utama, berupa: Directors of the Main Entity, such as:
1. Penyusunan kebijakan Manajemen Risiko Terintegrasi; dan 1. Integrated Risk Management policy making; and
2. Perbaikan atau penyempurnaan kebijakan Manajemen Risiko 2. Improvement or refinement of the Integrated Risk Management
Terintegrasi berdasarkan hasil evaluasi pelaksanaan. policy based on results of the implementation evaluation.
Rapat Meeting
Sesuai ketentuan Peraturan Otoritas Jasa Keuangan No. 17 tahun In accordance with the provisions of Financial Services Authority
2023 tentang Penerapan Tata Kelola bagi Bank Umum, Rapat Regulation No. 17 of 2023 on the Implementation of Governance
Komite Manajemen Risiko Terintegrasi diselenggarakan sesuai for Commercial Banks, the Integrated Risk Management Committee
dengan kebutuhan Bank. Hasil rapat Komite Manajemen Risiko Meetings are held as needed by the Bank. The outcomes of the
Terintegrasi dituangkan dalam risalah rapat dan didokumentasikan Integrated Risk Management Committee meetings are documented
dengan baik. Sepanjang tahun 2023, komite ini menyelenggarakan in meeting minutes and well-documented. Throughout 2023, this
3 kali rapat, dengan agenda sebagai berikut. committee held 3 meetings, with the following agendas.
Tanggal Agenda
Date Agenda
13 Februari 2023 1. Konfirmasi Tindak Lanjut Rekomendasi Komite Manajemen 1. Follow Up Confirmation on Recommendations from Integrated
February 13, Risiko Terintegrasi posisi 30 Juni 2022. Risk Management Committee position June 30, 2022.
2023 2. Highlight Konglomerasi Keuangan Sinar Mas posisi 31 2. Highlight Sinar Mas Financial Conglomerate position
Desember 2022. December 31, 2022.
3. Laporan Profil Risiko Terintegrasi posisi 31 Desember 2022. 3. Integrated Risk Profile Report position December 31, 2022.
4. Laporan Kewajiban Penyediaan Modal Minimum (KPMM) 4. Integrated Minimum Capital Adequacy (KPMM) Requirement
Terintegrasi Semester II - posisi 31 Desember 2022. Report Semester II - position December 31, 2022.
5. Laporan Stress Testing posisi 31 Desember 2022. 5. Stress Testing position December 31, 2022.
14 Agustus 2023 1. Konfirmasi Tindak Lanjut Rekomendasi Komite Manajemen 1. Follow Up Confirmation on Recommendations from Integrated
August 14, 2023 Risiko Terintegrasi posisi Semester II – 2022. Risk Management Committee position Semester II – 2022.
2. Highlight Konglomerasi Keuangan Sinar Mas posisi Semester 2. Highlight Sinar Mas Financial Conglomerate position Semester
I - 2023. I - 2023.
3. Proposal Laporan Profil Risiko Terintegrasi posisi Semester I - 3. Integrated Risk Profile Report Proposal position Semester I -
2023. 2023.
4. Proposal Laporan Kewajiban Penyediaan Modal Minimum 4. Integrated Minimum Capital Adequacy (KPMM) Requirement
(KPMM) Terintegrasi posisi Semester I - 2023. Report Proposal position Semester I - 2023.
5. Proposal Laporan Stress Testing Terintegrasi Konglomerasi 5. Integrated Stress Testing Sinar Mas Financial Conglomerate
Keuangan Sinar Mas posisi Semester I - 2023. Report Proposal position Semester I - 2023.
6. Proposal Program Kerja Satuan Kerja Manajemen Risiko 6. 2023 Work Program Proposal of Integrated Risk Management
Terintegrasi dan Komite Manajemen Risiko Terintegrasi Tahun Work Unit and Integrated Risk Management Committee.
2023.
18 Desember 1. Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko 1. Follow Up on Recommendations from Integrated Risk
2023 Terintegrasi posisi 30 Juni 2023. Management Committee meeting position June 30, 2023.
December 18, 2. Proposal Pengajuan Kaji Ulang Penilaian Laporan Profil Risiko 2. Submission Proposal of Integrated Risk Profile Report
2023 Terintegrasi, yang terdiri dari: Assessment Review, consisting of:
• Metodologi Penilaian; • Assessment Methodology;
• Parameter Penilaian Risiko; • Risk Assessment Parameter;
• Rentang Penilaian Risiko; dan • Risk Assessment Range; and
• Penentuan Bobot Penilaian Risiko. • Risk Assessment Weight Determination.
3. Hasil Simulasi Menggunakan Proposal Pengajuan Kaji Ulang 3. Simulation Results Using Submission Proposal for Assessment
Penilaian Laporan Profil Risiko Terintegrasi posisi 30 Juni 2023. of Integrated Risk Profile Report Review position June 30, 2023.
4. Parameter Profil Risiko Terintegrasi Hasil Simulasi posisi 30 Juni 4. Simulation Result Integrated Risk Profile Parameter position
2023 yang Perlu Menjadi Perhatian. June 30, 2023 Requiring Attention.
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Pelaksanaan Tugas dan Tanggung Jawab Tahun 2023 Implementation of Duties and Responsibilities in 2023
Sepanjang tahun 2023, Komite Manajemen Risiko Terintegrasi Throughout 2023, the Integrated Risk Management Committee of
Bank Sinarmas telah melaksanakan tugas dan tanggung jawab Bank Sinarmas carried out its duties and responsibilities as follows.
sebagai berikut.
1. Menyetujui kaji ulang Kebijakan & Prosedur Manajemen 1. Approved the review of policies & procedures of the Integrated
Risiko Terintegrasi yang disesuaikan dengan tujuan, kebijakan Risk Management adjusted to the objectives, business
usaha, ukuran dan kompleksitas usaha, serta kemampuan policies, size and complexity of the business, and the capital
permodalan Konglomerasi Keuangan Sinar Mas, yaitu adequacy of the Sinar Mas Financial Conglomerate, namely
Kebijakan Kewajiban Penyediaan Modal Minimum (KPMM) the Integrated Minimum Capital Adequacy Policy (KPMM) and
Terintegrasi dan Pedoman Tata Tertib Komite Manajemen Guidelines for the Integrated Risk Management Committee’s
Risiko Terintegrasi. Code of Conduct.
2. Mengevaluasi kesesuaian antara Kebijakan Manajemen 2. Evaluated the conformity of the Integrated Risk Management
Risiko Terintegrasi dengan penerapan Kebijakan Manajemen policies with the implementation of the Risk Management
Risiko Terintegrasi guna perbaikan atau penyempurnaan policies as an improvement or refinement of the Integrated
Kebijakan Manajemen Risiko Terintegrasi, antara lain Kaji Risk Management policies, such as the review of Integrated
Ulang Parameter Profil Risiko Terintegrasi serta Penerapan Risk Profile Parameters and the Implementation of Integrated
Manajemen Risiko Terintegrasi dalam Laporan Eksposur Profil Risk Management in the periodic submission of Integrated
Risiko Terintegrasi yang disampaikan secara berkala. Risk Profile Exposure Reports.
3. Menyetujui Program Kerja Komite Manajemen Risiko 3. Approved the 2023 Work Programs of the Integrated Risk
Terintegrasi 2023 disesuaikan dengan karakteristik Management Committee adjusted to the characteristics and
dan kompleksitas usaha serta risiko yang melekat pada complexity of the business as well as the inherent risks of the
Konglomerasi Keuangan. Financial Conglomerate.
4. Menyetujui Program Kerja Satuan Kerja Manajemen 4. Menyetujui Program Kerja Satuan Kerja Manajemen
Risiko Terintegrasi 2023 disesuaikan dengan karakteristik Risiko Terintegrasi 2023 disesuaikan dengan karakteristik
dan kompleksitas usaha serta Risiko yang melekat pada dan kompleksitas usaha serta Risiko yang melekat pada
Konglomerasi Keuangan. Konglomerasi Keuangan.
5. Menyetujui, mengevaluasi, dan memantau strategi Pelaku 5. Approved, evaluated, and monitored strategy of Financial
Usaha Jasa Keuangan (PUJK) agar mampu mempertahankan Services Business Actors (PUJK) to be able to maintain the
Profil Risiko Terintegrasi minimal pada peringkat 2 atau Low Integrated Risk Profile at a minimum of level 2 or Low to
to Moderate. Moderate.
6. Menyetujui, mengevaluasi, dan memantau strategi PUJK agar 6. Approved, evaluated, and monitored the strategies of
selalu mampu mempertahankan KPMM Terintegrasi pada Financial Services Business Actors (PUJK) to consistently
penilaian Sangat Memadai untuk mengantisipasi potensi maintain Integrated Minimum Capital Adequacy (KPMM) at
risiko dan/atau kerugian yang akan terjadi dan dapat menjadi the assessment of ‘Very Adequate’ to anticipate potential risks
penyangga (buffer) apabila terjadi kondisi krisis. and/or losses that may occur and serve as a buffer in case of
crisis conditions.
7. Menyetujui, mengevaluasi, dan memantau skenario serta 7. Approved, evaluated, and monitored scenarios and results of
hasil Stress Testing Terintegrasi untuk mengukur kemampuan the Integrated Stress Testing to measure the capital resilience
ketahanan permodalan Konglomerasi Keuangan Sinar Mas capacity of the Sinar Mas Financial Conglomerate in case of
dalam keadaan kondisi krisis. crisis conditions.
8. Menyetujui Pelaporan Profil Risiko Terintegrasi, Pelaporan 8. Approved the Integrated Risk Profile Report, Integrated
KPMM Terintegrasi, dan Pelaporan Stress Test Terintegrasi. Minimum Capital Adequacy (KPMM) Report, and the
Integrated Stress Test Report.
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Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan merupakan organ pendukung Direksi yang Corporate Secretary is a supporting organ of the Board of
memiliki tanggung jawab untuk menjamin kelancaran hubungan Directors responsible for ensuring the smooth relation among the
antar organ Bank, menjaga hubungan yang baik antara Bank dan Bank’s organs, maintaining good relation between the Bank and
pemangku kepentingan, serta memastikan kepatuhan terhadap stakeholders, as well as ensuring the compliance with applicable
ketentuan peraturan perundang-undangan yang berlaku. laws and regulations.
Pedoman Kerja Work Guidelines
Sekretaris Perusahaan menjalankan tugas tanggung jawabnya Corporate Secretary performs its duties and responsibilities
dengan berpedoman pada Peraturan Otoritas Jasa Keuangan by referring to Financial Services Authority Regulation No. 35/
No. 35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau POJK.04/2014 on Corporate Secretary of Issuers or Public
Perusahaan Publik dan Anggaran Dasar Bank. Companies and the Bank’s Articles of Association.
Struktur Sekretaris Perusahaan Corporate Secretary’s Structure
Dalam susunan organisasi Bank, Sekretaris Perusahaan menempati In the organizational structure of the Bank, the Corporate Secretary
posisi hierarki di bawah Direktur Utama. Peran Sekretaris occupies a hierarchical position below the President Director. The role
Perusahaan mencakup sejumlah fungsi, termasuk: of the Corporate Secretary encompasses several functions, including:
1. Bank sebagai perusahaan Terbuka, melaksanakan tata kelola 1. As a public company, the Bank performs corporate
perusahaan khususnya terkait dengan Pasar Modal; governance, particularly in the Capital Market;
2. Stakeholder Management; 2. Stakeholder Management;
3. Komunikasi Korporasi; 3. Corporate Communications;
4. Kesekretariatan; 4. Secretariat;
5. Corporate Social Responsibility; dan 5. Corporate Social Responsibility; and
6. Board Support. 6. Board Support.
PRESIDENT DIRECTOR
CORPORATE SECRETARY DIVISION HEAD
CORPORATE GOVERNANCE AND CORPORATE COMMUNICATION AND
REGULATORY DEPARTEMENT HEAD BOARD SUPPORT DEPARTEMENT HEAD
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Profil Sekretaris Perusahaan Corporate Secretary Profile
Dasar Hukum Pengangkatan
Legal Basis of Appointment
Surat keputusan Direksi No. 015/2017 PRESDIR tanggal 16 Maret 2017.
Board of Directors’ Decision Letter No. 015/2017 PRESDIR dated March 16, 2017.
Riwayat Pendidikan
Educational Background
Sarjana Akuntansi, STEKPI Jakarta (2005).
Bachelor of Accounting, STEKPI Jakarta (2005).
Riwayat Pekerjaan
Work Experiences
• Personal Assistance to President Director & Risk Management Human Capital Director
PT. Bank Sinarmas Tbk. (2014-1017);
• Personal Assistance to Compliance Director PT Bank Internasional Indonesia (BII) Tbk (2014);
dan
• Compliance Assistance ABN AMRO Bank NV/RBS (2005-2010).
• Personal Assistant to President Director & Risk Management Human Capital Director of
PT. Bank Sinarmas Tbk. (2014-1017);
• Personal Assistant to Compliance Director of PT Bank Internasional Indonesia (BII) Tbk
(2014); and
Retno Tri Wulandari • Compliance Assistant of ABN AMRO Bank NV/RBS (2005-2010).
Sekretaris Perusahaan
Rangkap Jabatan
Corporate Secretary Concurrent Position
Kewarganegaraan / Citizenship Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Has no concurrent position, either at banks, companies, and/or other institutions.
Indonesia
Hubungan Afiliasi
Domisili / Domicile Affiliated Relationship
Jakarta
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Saham Pengendali.
Usia / Age Has no affiliated relationship with members of the Board of Commissioners, the Board of
Directors, and Controlling Shareholders.
39 tahun / years old
Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab Sekretaris Perusahaan Bank Sinarmas Duties and responsibilities of the Corporate Secretary of Bank
diuraikan sebagai berikut. Sinarmas are described as follows.
1. Mengikuti perkembangan Pasar Modal, khususnya peraturan 1. Following the Capital Market development, especially laws
perundang-undangan yang berlaku di bidang Pasar Modal. and regulations applicable in the Capital Market sector.
2. Memberikan masukan kepada Direksi dan Dewan Komisaris 2. Providing inputs to the Board of Directors and the Board
Bank untuk mematuhi ketentuan peraturan perundang- of Commissioners of the Bank to comply with laws and
undangan di bidang Pasar Modal. regulations in the Capital Market sector.
3. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan 3. Assisting the Board of Directors and Commissioners in the
tata kelola perusahaan yang meliputi: implementation of corporate governance, which includes:
a. Keterbukaan informasi kepada masyarakat, termasuk a. Public disclosure of information, including the availability
ketersediaan informasi pada Situs Web Bank; of information on the Bank’s Website;
b. Penyampaian laporan kepada Otoritas Jasa Keuangan b. Timely submission of reports to the Financial Services
tepat waktu; Authority;
c. Penyelenggaraan dan dokumentasi RUPS; c. Organizing and documenting the General Meeting of
Shareholders;
d. Penyelenggaraan dan dokumentasi Rapat Direksi dan/ d. Organizing and documenting the Board of Directors and/
atau Dewan Komisaris; dan or the Board of Commissioners’ meetings; and
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e. Pelaksanaan program orientasi terhadap perusahaan bagi e. Implementation of the Company’s orientation program for
Direksi dan/atau Dewan Komisaris. the Board of Directors and/or the Board of Commissioners.
4. Sebagai penghubung antara Bank dengan Pemegang Saham, 4. Acting as a liaison for the Bank with shareholders, the
Otoritas Jasa Keuangan, dan pemangku kepentingan lainnya. Financial Services Authority, and other stakeholders.
Pengembangan Kompetensi Sekretaris Corporate Secretary Competency Development
Perusahaan
Bank Sinarmas memfasilitasi Sekretaris Perusahaan untuk Bank Sinarmas facilitates the Corporate Secretary to participate
mengikuti berbagai program pengembangan kompetensi. in various competency development programs. This step is taken
Langkah ini dilakukan untuk memastikan Sekretaris Perusahaan to ensure that the Corporate Secretary possesses the necessary
memiliki kompetensi yang diperlukan untuk menjalankan competencies to effectively carry out its role in supporting the
perannya secara efektif dalam mendukung kesuksesan dan success and sustainability of the Bank. Information regarding the
keberlanjutan Bank. Informasi mengenai program pengembangan competency development program for the Corporate Secretary in
kompetensi Sekretaris Perusahaan pada tahun 2023 diungkapkan 2023 is disclosed as follows.
sebagai berikut.
Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Competency Development Material Place/Date Organizer
1 Januari 2023
One-Xcellence, I Can’t, but WE CAN Bank Sinarmas
January 1, 2023
1 Januari 2023
Indonesia Economic Outlook 2023: Opportunities and Challenges Indonesia Corporate Secretary Association (ICSA)
January 1, 2023
Sosialisasi Pedoman Umum Governansi Korporat Indonesia (PUGKI)
22 Februari 2023
Dissemination of the Indonesian General Guidelines for Corporate Indonesian Institute for Corporate Director (IICD)
February 22, 2023
Governance (PUGKI)
Pengaturan Pasar Modal di Indonesia Pasca UU Perbankan 11 Mei 2023
Badranaya Partnership
Regulation of the Capital Market in Indonesia Post Banking Law May 11, 2023
Inklusi Keuangan dan Literasi Keuangan bersama Otoritas Jasa Keuangan,
Bank Indonesia, dan Lembaga Penjamin Simpanan 12 Mei 2023 Otoritas Jasa Keuangan
Financial Inclusion and Financial Literacy with the Financial Services Authority, May 12, 2023 Financial Services Authority
Bank Indonesia, and the Deposit Insurance Corporation
Perlindungan Konsumen terhadap Kejahatan Keuangan Digital 12 Juni 2023
Ikatan Sarjana Ekonomi Indonesia (ISEI)
Consumer Protection against Digital Financial Crimes June 12, 2023
27 Juli 2023
Customer Focus Strategy in the Digital Era SWA
July 27, 2023
Strategi Ketahanan Perlindungan Data pada Perusahaan 2 Agustus 2023
Indonesia Corporate Secretary Association (ICSA)
Data Protection Resilience Strategy in the Company August 2, 2023
Compliance Refreshment Emiten dan Perusahaan Publik 22 Agustus 2023 Otoritas Jasa Keuangan
Compliance Refreshment for Issuers and Public Companies August 22, 2023 Financial Services Authority
6-8 November 2023
IT Product Workshop - Innovate, Create, Elevate Bank Sinarmas
November 6-8, 2023
9 November 2023
Agile Leadership Ekipa Agile Consultancy Indonesia
November 9, 2023
Refreshment Sertifikasi Manajemen Risiko - Mengelola Risiko Operasional dan
Risiko Kredit 14 Desember 2023
PT Raharja Duta Solusindo (RDS Consultant)
Risk Management Certification Refreshment - Managing Operational Risks December 14, 2023
and Credit Risks
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Tahun 2023 in 2023
Sepanjang tahun 2023, Sekretaris Perusahaan telah melaksanakan Throughout 2023, the Corporate Secretary performed its duties
tugas dan tanggung jawab sebagai berikut. and responsibilities as follows.
1. Mengikuti perkembangan Pasar Modal, khususnya peraturan 1. Followed Capital Market development, especially applicable
perundang-undangan yang berlaku di Pasar Modal, antara Capital Market laws and regulations, including to ensure the
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lain dengan memastikan kepatuhan atas peraturan baru compliance with new regulations issued by Financial Services
yang dikeluarkan oleh Otoritas Jasa Keuangan, Bursa Efek Authority, Indonesia Stock Exchange, and other regulators
Indonesia, dan regulator lain yang terkait dengan Pasar related to Capital Market and communicating this information
Modal dan menyampaikan informasi tersebut serta memberi to the Board of Directors and the Board of Commissioners.
masukan kepada Direksi dan Dewan Komisaris.
2. Membangun GCG Awareness untuk Direksi dan Dewan 2. Built GCG awareness for the Board of Directors and the
Komisaris serta melakukan pembaruan kebijakan-kebijakan Board of Commissioners, as well as updating internal policies,
internal, yaitu kebijakan yang diperbaharui pada tahun 2023. specifically the updated policy in 2023.
3. Menyelenggarakan RUPS Tahunan . 3. Organized the Annual GMS;
4. Menyelenggarakan Paparan Publik. 4. Organized Public Expose;
5. Menyelenggarakan, menghadiri, dan membuat risalah rapat, 5. Organized, attended, and documented minutes of meetings,
yaitu rapat Dewan Komisaris, rapat Direksi, rapat gabungan including the Board of Commissioners’ meetings, the Board
Dewan Komisaris dan Direksi, serta rapat Komite di bawah of Directors’ meetings, joint meetings of the Board of
Dewan Komisaris. Commissioners and the Board of Directors, and meetings of
the Board of Commissioners’ subordinate committees.
6. Melakukan pelaporan berkala, laporan insidental, serta 6. Prepared periodic reports, incidental reports, and information
keterbukaan informasi sesuai ketentuan regulator. disclosures in compliance with regulatory provisions.
7. Memastikan informasi-informasi terkait korporasi telah 7. Ensured corporate-related information is available on the
dimuat dalam situs web Bank. Bank’s website.
8. Menyusun Laporan Tahunan dan menyampaikan kepada 8. Prepared the Annual Report and submitted it to regulators,
regulator, Pemegang Saham serta Entitas Induk Bank. shareholders, and the Bank’s parent entity.
9. Menjalin komunikasi dengan regulator dan lembaga terkait. 9. Communicated with regulators and other relevant institutions.
10. Melakukan keterbukaan informasi kepada pegawai terkait 10. Disclosed information to employees regarding the Bank’s
aktivitas Bank dalam Lensa Berita dan CEO Message dalam activities in ‘Lensa Berita’ and CEO Message in ‘Pesan
“Pesan Management”. management’.
11. Mengoordinasikan event korporasi. 11. Coordinated corporate events.
12. Meliput aktivitas kegiatan korporasi. 12. Covered corporate activities.
13. Menyusun dan melaksanakan program tanggung jawab sosial 13. Developed and organized Corporate Social and Environmental
dan lingkungan (TJSL) serta sponsorship. Responsibility (TJSL) programs and sponsorship.
14. Melaksanakan kegiatan pengawalan/protokoler Direksi dan 14. Performed escort activities/protocol for the Board of Directors
Dewan Komisaris. and the Board of Commissioners.
15. Mengadministrasikan dan mengelola seluruh ketentuan 15. Administered and managed the Bank’s all internal provisions.
internal Bank.
Aktivitas Komunikasi Korporasi Corporate Communication Activities
Sepanjang tahun 2023, Sekretaris Perusahaan telah melakukan Throughout 2023, the Corporate Secretary organized
aktivitas komunikasi dengan para pemangku kepentingan melalui communication activities with stakeholders through various
berbagai saluran komunikasi, sebagai berikut. communication channels as follows.
Tanggal Tempat Event Korporasi
No.
Date Place Corporate Event
24 Januari 2023 Sambutan Awal Tahun Bank Sinarmas 2023 dan Townhall Q1
1. Hotel Merlyn Park
January 24, 2023 Bank Sinarmas 2023 New Year's Greetings and Q1 Townhall
Pembukaan Program CSR Berkelanjutan Pemanfaatan Limbah Peternakan Lembu Putih Taro
7 Februari 2023 Aula Objek Wisata dan Pemberdayaan Model Pengolahan Sampah Organik di Desa Taro
2.
February 7, 2023 Lembu Putih Desa Taro The Launch of Sustainable CSR Program: Utilization of White Taro Cattle Farm Waste and
Empowerment of Organic Waste Processing Models in Taro Village
8 Februari 2023 Aula Objek Wisata Sosialisasi untuk kelompok PKK se-Desa Taro
3.
February 8, 2023 Lembu Putih Desa Taro Dissemination for the Family Empowerment and Welfare (PKK) groups throughout Taro Village
14-15 Februari 2023 The Grand Mansion Hotel Rapat Kerja SND Nasional 2023
4.
February 14-15, 2023 Jakarta National SND Work Meeting 2023
14 Maret 2023
5. Roxy Square Lt.3 Grand Opening Green Forest
March 14, 2023
20 Maret 2023
6. Gedung Bank Indonesia Serambi Ramadhan 2023
March 20, 2023
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Tanggal Tempat Event Korporasi
No.
Date Place Corporate Event
27 Maret 2023 Donor Darah Bank Sinarmas
7. GBI Roxy Square Lt. 6
March 27, 2023 Blood Donation by Bank Sinarmas
30 Maret 2023 Ruang Irian Roxy Square
8. Townhall Q2
March 30, 2023 Lt.9 dan Zoom Hybrid
30 Maret 2023 Buka Puasa Bersama Bank Sinarmas
9. Roxy Square Lt. 9
March 30, 2023 Iftar Together with Bank Sinarmas
8 April 2023 TBM Lentera Pustaka, Buka Puasa Bersama TBM Lentera Pustaka
10.
April 8, 2023 Desa Sukaluyu, Bogor Iftar Together with TBM Lentera Pustaka
Area Sekitar Roxy Square
12 April 2023 Takjil Berkah Ramadan
11. dan Sinarmas Land Plaza
April 12, 2023 Blessed Ramadan Snacks
Thamrin
Membangun Ekosistem UMKM dan Koperasi Bersama Bank Sinarmas Syariah dan Lembaga
Pembiayaan Dana Bergulir (LPDB) Kementerian Koperasi dan Usaha Kecil dan Menengah
12 April 2023 Grand Mansion Hotel (KUMKM)
12.
April 12, 2023 Jakarta Building SMEs and Cooperatives Ecosystem with Bank Sinarmas Syariah and Revolving Fund
Management Institutions (LPDB) of the Ministry of Cooperatives and Small and Medium
Enterprises (KUMKM)
Edukasi Keuangan Syariah dan Wakaf Alquran oleh Bank Sinarmas Syariah bersama Otoritas
14 April 2023 Jasa Keuangan Provinsi NTB di Pondok Pesantren Nurul Islam Sekarbela
13. Lombok, NTB
April 14, 2023 Sharia Financial Education and Quran Endowment by Bank Sinarmas Syariah with the Financial
Services Authority of NTB Province at Nurul Islam Sekarbela Islamic Boarding School
Edukasi Keuangan Syariah dan Wakaf Alquran oleh Bank Sinarmas Syariah bersama Otoritas
Jasa Keuangan Provinsi NTB di Pondok Pesantren Al Maarif NU Al Manshuriyah Ta’limushibyan
15 April 2023
14. Lombok, NTB Sharia Financial Education and Quran Endowment by Bank Sinarmas Syariah with the Financial
April 15, 2023
Services Authority of NTB Province at Al Maarif NU Al Manshuriyah Ta'limushibyan Islamic
Boarding School
16 April 2023 Starry Night Sales Recognition 2023
15. Pullman Hotel Jakarta
April 16, 2023 Starry Night Sales Recognition 2023
16 Mei 2023 Ruang Irian, Roxy Square Sosialisasi Simas Haji dengan Badan Pengelola Keuangan Haji (BPKH)
16.
May 16, 2023 Lt.9 Dissemination of Simas Hajj with the Hajj Financial Management Agency (BPKH)
19-20 Mei 2023 Aston Hotel, Kemayoran Wreck IT 4.0 Bank Sinarmas bersama Politeknik Siber dan Sandi Negara
17.
May 19-20, 2023 Jakarta Bank Sinarmas Wreck IT 4.0 with the Cyber and State Cipher Polytechnic
27 Juni 2023 Serah Terima Hewan Kurban Idul Adha 1444 H
18. iNews Tower
June 27, 2023 Handover of Sacrificial Animals for Eid al-Adha 1444 H
Ruang Danamas,
27 Juni 2023 Rapat Umum Pemegang Saham Tahunan (RUPST) Bank Sinarmas
19. Sinarmas Land Plaza
June 27, 2023 Bank Sinarmas Annual General Meeting of Shareholders (AGMS)
Tower 2 Lt. 39
Penyaluran Hewan Kurban Satu Ekor Sapi untuk 200 Keluarga Pengguna Layanan Taman
1 Juli 2023 TBM Lentera Pustaka, Bacaan Masyarakat (TBM)
20.
July 1, 2023 Desa Sukaluyu, Bogor Distribution of Sacrificial Animals, One Cow, for 200 Families using Community Reading Park
(TBM) Services
3 Juli 2023 Donor Darah Bank Sinarmas
21. GBI Roxy Square Lt. 6
July 3, 2023 Blood Donation by Bank Sinarmas
17 Juli 2023 Pastis Pool and Bar
22. Townhall Q3
July 17, 2023 Jakarta
1 Agustus 2023 Pembukaan Co-Working di Gedung Lavenue Jakarta
23. Lavenue Building
August 1, 2023 Opening of Co-Working Space at Lavenue Building, Jakarta
Bank Sinarmas Bangun Generasi Indonesia Menabung melalui Program KEJAR (Satu Rekening
8 Agustus 2023 Sekolah Pelita Fajar, Satu Pelajar)
24.
August 8, 2023 Bandung Bank Sinarmas Builds Indonesian Generation to Save through the KEJAR Program (One Account
One Student)
15 Agustus 2023 Peresmian GOP Office Space dan Media Gathering Promo HUT Bank Sinarmas
25. BSD Green Office Park 1
August 15, 2023 Inauguration of GOP Office Space and Promo Media Gathering for Bank Sinarmas Anniversary
20 Agustus 2023 TBM Lentera Pustaka, Semarak Eco Pounding dan Edukasi Literasi Finansial
26.
August 20, 2023 Desa Sukaluyu, Bogor Eco Pounding Festival and Financial Literacy Education
Lomba “Giat Literasi” HUT ke-78 RI Tahun 2023 TBM Lentera Pustaka
23 Agustus 2023 TBM Lentera Pustaka,
27. "Giat Literasi" Competition for the 78th Indonesian Independence Day Celebration in 2023 at
August 23, 2023 Desa Sukaluyu, Bogor
TBM Lentera Pustaka
Kunjungan Industri Himpunan Mahasiswa Elektronika dan Informatika Fakultas Teknik
6 September 2023 Universitas Negeri Yogyakarta Dalam Rangka Pembelajaran QRIS dan Produk Bank
28. Roxy Square Lt. 9
September 6, 2023 Industry Visit by the Association of Electronics and Informatics Students, Faculty of Engineering,
Yogyakarta State University, for Learning about QRIS and Bank Products
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Tanggal Tempat Event Korporasi
No.
Date Place Corporate Event
13 September 2023 Edukasi Simpanan Pelajar SD Negri 01 Taro Bali
29. SD Negri 01 Taro Bali
September 13, 2023 Financial Education for Students at SD Negeri 01 Taro Bali
15 September 2023 Edukasi Simpanan Pelajar SD Hindu di Desa Taro Bali
30. SD Hindu Taro
September 15, 2023 Financial Education for Hindu Students at SD Taro Village, Bali
15 September 2023 Objek Wisata Lembu Inklusi Keuangan “Edukasi Sinergi Pertanian dan Pariwisata untuk Pembangunan Berkelanjutan”
31.
September 15, 2023 Putih Desa Taro Financial Inclusion "Synergy Education in Agriculture and Tourism for Sustainable Development"
Penutupan Program CSR Berkelanjutan Pemanfaatan Limbah Peternakan Lembu Putih Taro dan
10 November 2023 Aula Objek Wisata Pemberdayaan Model Pengolahan Sampah Organik di Desa Taro
32.
November 10, 2023 Lembu Putih Desa Taro Closing of the Sustainable CSR Program on the Utilization of White Cattle Farming Waste in
Taro and Empowerment of Organic Waste Processing Models in Taro Village
19 November 2023 TBM Lentera Pustaka, Festival Literasi Gunung Salak #6
33.
November 19, 2023 Desa Sukaluyu, Bogor Mount Salak Literacy Festival #6
29 November 2023 Donor Darah Bank Sinarmas
34. GBI Roxy Square Lt. 6
November 29, 2023 Blood Donation by Bank Sinarmas
Ruang Danamas,
18 Desember 2023 Paparan Publik Bank Sinarmas
35. Sinarmas Land Plaza
December 29, 2023 Bank Sinarmas Public Expose
Tower 2 Lt. 39
Keterbukaan Informasi Information Disclosure
Bank Sinarmas, sebagai Perusahaan Terbuka, telah memenuhi As a publicly traded company, Bank Sinarmas had fulfilled its
kewajiban untuk memberikan informasi kepada publik sesuai obligation to provide information to the public in accordance
dengan peraturan perundang-undangan selama tahun 2023. with laws and regulations throughout 2023. This information was
Informasi tersebut disampaikan melalui media massa, sistem disseminated through mass media, electronic reporting systems to
pelaporan elektronik kepada Otoritas Jasa Keuangan, Bursa Efek the Financial Services Authority, Indonesia Stock Exchange, Bank
Indonesia, situs web Bank Sinarmas, dan laporan berkala atau Sinarmas website, and periodic or incidental reports to regulators.
insidental kepada regulator.
Satuan Kerja Audit Internal
Internal Audit Work Unit
Satuan Kerja Audit Internal (SKAI) berperan sebagai pertahanan The Internal Audit Work Unit (IAU) plays a role as the third line of
lapis ketiga (third line of defense) yang bertugas mengawasi defense responsible for monitoring and assessing internal controls
dan menilai pengendalian internal melalui pemeriksaan seluruh through examination across divisions within Bank Sinarmas.
divisi di Bank Sinarmas. SKAI juga berperan untuk menjaga dan IAU also plays a role to maintain and secure the Bank’s business
mengamankan kegiatan usaha Bank, serta bertanggung jawab activities, as well as being responsible to ensure the achievement
dalam memastikan tercapainya Visi dan Misi Bank. of the Bank’s vision and mission.
Piagam Audit Internal Internal Audit Charter
SKAI menjalankan tugas dan tanggung jawab sesuai dengan IAU performs its duties and responsibilities in accordance
Piagam Audit Internal Revisi 6.0 yang disahkan melalui with the Internal Audit Charter Revision 6.0 ratified through
SK.056/2021/PRESDIR-SKAI tanggal 7 Juni 2021. Piagam SK.056/2021/PRESDIR-SKAI dated June 7, 2021. The Charter
tersebut memuat ketentuan terkait: contains provisions related to:
1. Struktur dan Kedudukan SKAI; 1. Structure and position of IAU;
2. Tanggung Jawab dalam Pelaksanaan Fungsi Audit Internal; 2. Responsibilities in the Implementation of the Internal Audit
Functions;
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3. Tugas dan Tanggung Jawab SKAI; 3. Duties and responsibilities of IAU;
4. Wewenang SKAI; 4. Authorities of IAU;
5. Tanggung Jawab dan Akuntabilitas Kepala SKAI; 5. Responsibilities and accountabilities of the Head of IAU;
6. Persyaratan Auditor; 6. Auditor requirements;
7. Independensi dan Objektivitas; 7. Independence and Objectivity;
8. Larangan Perangkapan Tugas dan Jabatan Auditor Intern; 8. Prohibitions of Internal Auditor duties and positions;
9. Standar Pelaksanaan Audit; 9. Standards for audit implementation;
10. Pengkinian Piagam Audit Internal; 10. Updating the Internal Audit Charter;
11. Penggunaan Jasa Pihak Eksternal dalam Pelaksanaan Audit 11. Use of third-party services in internal audit execution;
Internal;
12. Hubungan SKAI dengan Unit Kerja Pengendalian, Auditor 12. Relationship between IAU and Control Works Unit, as well as
Ekstern, atau Ahli Hukum; external auditors or legal experts;
13. Pembatasan Penugasan, Penggunaan Jasa dan Cooling Off 13. Restriction on assignment, use of services, and Cooling off
Period; Period;
14. Kode Etik Audit Internal; dan 14. Internal Audit Code of Ethics; and
15. Kewajiban Pelaporan kepada Otoritas Jasa Keuangan. 15. Obligation to Report to the Financial Services Authority.
Visi dan Misi SKAI Vision and Mission of IAU
VISI VISION MISI MISSION
Menjadi mitra bisnis yang profesional, independen dan Melaksanakan kegiatan assurance dan konsultasi yang
objektif bagi manajemen untuk mendukung terwujudnya independen dan objektif, untuk memberikan nilai tambah
Bank Sinarmas menjadi bank terkemuka di Indonesia dalam peningkatan sistem pengendalian intern yang kuat
dengan jaringan distribusi yang terintegrasi dan layanan dan meminimalkan risiko melekat pada aktivitas dan jaringan
prima. distribusi bisnis Bank.
Become a professional, independent, and objective Carry out independent and objective assurance and
business partner to management in order to help Bank consulting activities to contribute added value in
Sinarmas realize its vision of becoming a leading bank in enhancing a strong internal control system and minimizing
Indonesia with an integrated distribution network and the risks inherent in the Bank’s business activities and
excellent service. distribution network.
Struktur dan Kedudukan SKAI Structure and Position of IAU
Struktur dan kedudukan SKAI diatur dalam Peraturan Otoritas Jasa The structure and position of IAU are regulated in Financial Services
Keuangan No.1/POJK.03/2019 tanggal 29 Januari 2019 tentang Authority Regulation No. 1/POJK.03/2019 dated January 29, 2019,
Penerapan Fungsi Audit Internal pada Bank Umum. SKAI dipimpin on the Implementation of Internal Audit Functions in Commercial
oleh Kepala SKAI yang diangkat dan diberhentikan oleh Direktur Banks. The Internal Audit Work Unit (IAU) is led by the Head of IAU,
Utama, setelah mendapat persetujuan dari Dewan Komisaris appointed and dismissed by President Director, with the approval of
dengan mempertimbangkan rekomendasi Komite Audit. the Board of Commissioners, considering the recommendations of
the Audit Committee.
Kepala SKAI Bank Sinarmas yang menjabat saat ini diangkat The current Head of IAU of Bank Sinarmas was appointed through
melalui Keputusan Direksi No. SK.0240/2021/PRESDIR-HCRS the Board of Directors Decision Letter No. SK.0240/2021/PRESDIR-
tanggal 26 Januari 2021 dan telah dilaporkan kepada Otoritas HCRS dated January 26, 2021 and has been reported to the
Jasa Keuangan melalui Surat SKL.035/2021/ PRESDIR tanggal 17 Financial Services Authority through Decision Letter SKL.035/2021/
Februari 2021. PRESDIR dated February 7, 2021.
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Kedudukan SKAI dalam struktur organisasi Bank Sinarmas The position of IAU in the organizational structure of Bank
berdasarkan Surat Keputusan No.SK.088/2023/PRESDIR tanggal Sinarmas, as revealed by Decision Letter No. SK.088/2023/PRESDIR
11 Juli 2023, diungkapkan sebagai berikut. dated 11 July 2023, is as follows.
GENERAL MEETING OF SHAREHOLDERS
BOARD OF
COMMISSIONERS
AUDIT COMMITTEE
PRESIDENT DIRECTOR
INTERNAL AUDIT
GROUP HEAD
TREASURY & BRANCH AUDIT
IT & DIGITAL
HEAD OFFICE CREDIT RISK RISK NETWORK METHODOLOGY AUDIT DATA
BANKING
AUDIT AUDIT MANAGEMENT & SHARIA & QUALITY ANALYTICS
AUDIT
AUDIT AUDIT ASSURANCE
Kepala SKAI berkomunikasi langsung dengan Dewan Komisaris Head of IAU directly communicates with the Board of
atau Komite Audit untuk menyampaikan informasi audit, yang Commissioners or the Audit Committee to deliver audit information,
bertujuan mendukung independensi, kelancaran proses, dan which aims to support independency, smooth processes, and
wewenang pemantauan tindak lanjut. Manajemen dan Dewan authority in monitoring follow-up actions. Management and the
Komisaris memberikan dukungan penuh agar auditor dapat Board of Commissioners provide full support so that auditors can
bekerja sama tanpa hambatan dengan auditee. collaborate smoothly with auditees without hindrance.
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Profil Kepala SKAI Profile of Internal Audit Unit Head
Dasar Hukum Pengangkatan
Legal Basis of Appointment
Surat Keputusan No. 0240/2021/PRESDIR-HCRS tanggal 26 Januari 2021.
Decision Letter No. 0240/2021/PRESDIR-HCRS dated January 26, 2021.
Riwayat Pendidikan
Educational Background
Sarjana Ekonomi Akuntansi, Universitas Pendidikan Nasional (1996).
Bachelor of Economic in Accounting, University of National Education (1996).
Riwayat Pekerjaan
Work Experiences
• Country Group Audit Deutsche Bank AG, Jakarta Branch (2016-2021);
• Corporate Function Audit Head of Department PT Bank OCBC NISP Tbk (2013-2016);
• Branch Network Audit Team Leader Bank Commonwealth (2012-2013);
• Branch Network Audit Senior Manager Bank Commonwealth (2011-2012);
• Audit Manager Branch and Operation Bank Commonwealth (2010-2011);
• Senior Auditor Bank Commonwealth (2009-2010);
• Regional Operations Manager Bank Commonwealth (2008- 2009);
• Branch Service Manager Bank Commonwealth Bali Branch (2005-2008);
• Royal Resort Bali Business Manager PT Permata Bahari Mandiri (2002-2005);
• Accounts Department Officer PT Permata Bahari Mandiri (1999-2002); dan
• Customer Service Officer PT Bank Internasional Indonesia (BII) Tbk, Denpasar (1996-1999).
• Country Group Audit of Deutsche Bank AG, Jakarta Branch (2016-2021);
• Corporate Function Audit Head of Department of PT Bank OCBC NISP Tbk. (2013-2016);
• Branch Network Audit Team Leader of Bank Commonwealth (2012-2013);
• Branch Network Audit Senior Manager of Bank Commonwealth (2011-2012);
• Audit Manager Branch and Operation of Bank Commonwealth (2010-2011);
• Senior Auditor of Bank Commonwealth (2009-2010)
• Regional Operations Manager of Bank Commonwealth (2008- 2009)
• Branch Service Manager of Bank Commonwealth Bali Branch (2005-2008)
• Royal Resort Bali Business Manager of PT Permata Bahari Mandiri (2002-2005)
• Accounts Department Officer of PT Permata Bahari Mandiri (1999-2002); and
• Customer Service Officer of PT Bank Internasional Indonesia (BII) Tbk, Denpasar (1996-1999).
Rangkap Jabatan
Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Frieda Juni Has no concurrent position, either at banks, companies, and/or other institutions.
Kepala Satuan Kerja Audit Internal
Head of Internal Audit Work Unit
Sertifikasi Profesi
Kewarganegaraan / Citizenship Professional Certification
Indonesia Sertifikasi Manajemen Risiko Level 4.
Risk Management Level 4 Certification.
Domisili / Domicile
Jakarta Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Usia / Age Saham Pengendali.
51 tahun / years old Has no affiliated relationship with members of the Board of Commissioners, the Board of
Directors and Controlling Shareholders.
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Tugas dan Tanggung Jawab Duties and Responsibilities
Tugas dan tanggung jawab SKAI Bank Sinarmas diungkapkan Duties and responsibilities of IAU of Bank Sinarmas are disclosed
sebagai berikut. as follows.
1. SKAI bertugas dan bertanggung jawab untuk membantu 1. IAU is tasked and responsible for assisting President Director
tugas Direktur Utama dan Dewan Komisaris dalam melakukan and the Board of Commissioners in carrying out their
pengawasan dengan cara menjabarkan secara operasional baik responsibilities of supervision by operationally developing the
perencanaan, pelaksanaan, maupun pemantauan hasil audit. planning, execution, and monitoring of audit results.
2. Melakukan pemeriksaan dan penilaian atas efisiensi dan 2. Examining and assessing the efficiency and effectiveness of
efektivitas di bidang keuangan, akuntansi, operasional, finance, accounting, operations, human resources, marketing,
sumber daya manusia, pemasaran, teknologi informasi, dan information technology, and other activities.
kegiatan lainnya.
3. Memberikan saran perbaikan dan informasi yang objektif 3. Providing improvement recommendation and objective
tentang kegiatan yang diperiksa kepada semua tingkatan information related to activities under review to all levels of
manajemen serta melakukan pemantauan secara intensif management, as well as conducting intensive monitoring of
atas realisasi perbaikan (correction) dan rencana tindak lanjut the implementation of management-approved correction and
perbaikan (corrective action plan) yang telah diputuskan oleh corrective action plans.
manajemen.
4. Memiliki program pengembangan sumber daya manusia 4. Having human resources development programs to keep
untuk mempertahankan anggota SKAI yang profesional, professional IAU members with the necessary knowledge,
yang memiliki pengetahuan, kompetensi, keterampilan dan competence, skill, and experience to carry out their duties in
pengalaman yang memadai untuk dapat melaksanakan accordance with internal audit standards.
tugasnya sesuai standar audit internal.
5. Melakukan evaluasi secara berkesinambungan atas mutu 5. Performing continuous evaluation of the quality of audit
kegiatan audit (quality assurance), yang dilakukan melalui activities (quality assurance), which is carried out through
supervisi terhadap pekerjaan auditor intern dan mewajibkan supervision of the internal audit’s work and requires auditors
auditor untuk me-review kualitas pekerjaan yang dihasilkan to review the quality of the work produced as well as paying
serta memperhatikan penilaian mutu kegiatan audit yang attention to the quality of assessment of audit activities
dilakukan pihak ekstern. carried out by external parties.
6. Menjalankan tugas Satuan Kerja Audit Terintegrasi dan 6. Carrying out the duties of the Integrated Audit Work Unit
menyampaikan Laporan Audit Internal Terintegrasi kepada and submit Integrated Internal Audit Reports to the Director
Direktur yang ditunjuk untuk melakukan fungsi pengawasan appointed to perform supervision function to the Financial
terhadap Lembaga Jasa Keuangan (LJK) dalam Konglomerasi Services Institutions (LJK) in the Financial Conglomerate and
Keuangan dan Dewan Komisaris Entitas Utama serta Direktur the Parent Entity’s Board of Commissioners, as well as the
yang membawahkan Fungsi Kepatuhan Entitas Utama. Director in charge of the Parent Entity’s compliance function.
Wewenang SKAI Authority of IAU
Wewenang yang dimiliki SKAI dalam mendukung pelaksanaan The authority of IAU to support the implementation of its duties
tugas dan tanggung jawabnya diuraikan sebagai berikut. and responsibilities is disclosed as follows.
1. Kepala SKAI diberi kebebasan dalam menetapkan metode, 1. The Head of IAU is granted the authority to determine the
cara, teknik, dan pendekatan audit yang dilakukan sesuai methods, techniques, and approaches to be used in audits
dengan profesi dan standar audit internal. in accordance with professional standards and internal audit
standards.
2. Kepala SKAI dan seluruh anggota SKAI diberi wewenang 2. The head of IAU and all members of IAU have full authority
penuh untuk mengakses seluruh informasi yang relevan to access all relevant information about the Bank related to
tentang bank terkait dengan tugas dan Fungsi SKAI. duties and functions of IAU.
3. Melakukan komunikasi secara langsung dengan Direksi, 3. Communicate directly with the Board of Directors, the Board
Dewan Komisaris, dan Komite Audit, serta Dewan Pengawas of Commissioners, and the Audit Committee, as well as the
Syariah. Sharia Supervisory Board.
4. Menyelenggarakan rapat secara berkala dan insidentil dengan 4. Organize periodic and incidental meetings with the Board
Direksi, Dewan Komisaris, dan Komite Audit, serta Dewan of Directors, the Board of Commissioners, and the Audit
Pengawas Syariah. Committee, as well as the Sharia Supervisory Board.
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5. Melakukan komunikasi secara langsung dengan Pengawas 5. Communicate directly with the Supervisors of the Financial
Otoritas Jasa Keuangan melalui rapat yang diselenggarakan Services Authority through at least once-a-year meeting, as
paling sedikit satu tahun sekali sesuai yang dipersyaratkan mandated by Financial Services Authority Regulation No. 1/
dalam Peraturan Otoritas Jasa Keuangan No. 1/POJK.03/2019 POJK.03/2019 on the Implementation of the Internal Audit
tentang Penerapan Fungsi Audit Internal pada Bank Umum. Function in Commercial Banks.
6. Melakukan koordinasi kegiatan dengan auditor ekstern untuk 6. Coordinate activities with external auditors to ensure audit
memastikan kecukupan ruang lingkup audit dan menghindari scope adequacy and prevent examination duplication.
duplikasi pemeriksaan.
7. Mengikuti rapat yang bersifat strategis tanpa memiliki hak 7. Participate in strategic meetings without voting rights.
suara.
Ruang Lingkup Pekerjaan SKAI Scope of Work of IAU
Ruang lingkup pekerjaan SKAI mencakup evaluasi dan The scope of work of IAU includes evaluating and contributing to
memberikan kontribusi atas perbaikan tata kelola, pengelolaan the improvement of governance, risk management, and internal
risiko, dan proses pengendalian internal (governance, risk control processes (Governance, Risk, and Control) across all
and control) atas seluruh aspek dan unsur kegiatan bank yang aspects and elements of the Bank’s activities that are directly or
secara langsung maupun tidak langsung diperkirakan dapat indirectly expected to affect the level of good implementation of
mempengaruhi tingkat terselenggaranya secara baik kepentingan the Bank’s interests, public funds depositors, and service users,
bank, masyarakat penyimpan dana, dan pengguna jasa, meliputi: which include:
1. Kecukupan struktur pengendalian internal, yaitu untuk 1. Adequacy of internal control structures, which is to determine
menentukan sampai seberapa jauh sistem yang telah the extent to which the established system can be relied upon
ditetapkan dapat diandalkan kemampuannya untuk to provide adequate assurance that the Bank’s objectives and
memberikan keyakinan yang memadai bahwa tujuan dan targets can be achieved efficiently and economically;
sasaran bank dapat dicapai secara efisien dan ekonomis; 2. The effectiveness of the Bank’s risk management
2. Efektivitas dari kegiatan penerapan manajemen risiko bank implementation activities is based on the development
berdasarkan perkembangan eksposur risiko, perubahan pasar, of risk exposure, market changes, risk measurement and
dan metode pengukuran dan pengelolaan risiko, serta proses risk management, as well as good corporate governance
tata kelola perusahaan yang baik; processes;
3. Efektivitas struktur pengendalian internal, yaitu untuk 3. The effectiveness of internal control structure, which is used
menentukan sejauh mana struktur tersebut sudah berfungsi to determine the extent to which the structure is functioning
seperti yang diinginkan; dan as desired.
4. Kualitas kinerja, yaitu untuk menentukan sejauh mana tujuan 4. Performance quality, which is to determine the extent to
dan sasaran organisasi telah dicapai, termasuk kewajiban which organization’s goals and objectives have been achieved,
laporan keuangan. including financial reporting obligations.
Kualifikasi dan Jumlah SKAI Qualifications and Number of IAU
Jumlah dan kualifikasi jabatan personel audit internal per The following table shows the number and qualifications of
31 Desember 2023 diungkapkan pada tabel berikut. internal audit personnel positions as of December 31, 2023.
Uraian S2 S1 Total Description
Kepala SKAI - 1 1 Head of IAU
Kepala Divisi 1 5 6 Head of Division
Kepala Departemen - 12 12 Head of Department
Kepala Seksi 2 19 21 Head of Section
Auditor 3 40 43 Auditor
Jumlah 6 77 83 Total
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Sertifikasi Auditor Internal Internal Auditor Certification
Auditor internal dipersyaratkan untuk memperoleh sertifikasi The Internal Auditors are required to obtain professional
profesi Audit Internal, seperti Certified Bank Internal Auditor certification in Internal Audit, such as Certified Bank Internal
(CBIA) serta disarankan untuk mengikuti program sertifikasi Auditor (CBIA), as well as are advised to join other professional
profesi lain, seperti Certified Risk Management (UKMR) dan certifications, namely Certified Risk Management (UKMR) and
General Banking Syariah (GBS). Sharia General Banking (GBS).
Uraian Total Description
Certified Bank Internal Auditor Level Auditor (CBIA 1) 58 Auditor Level Certified Bank Internal Auditor (CBIA 1)
Certified Bank Internal Auditor Level Supervisor (CBIA 2) 29 Supervisor Level Certified Bank Internal Auditor (CBIA 2)
Uji Kompetensi Manajemen Risiko Level 1 (UKMR 1) 32 Level 1 Risk Management Competency Test (UKMR 1)
Uji Kompetensi Manajemen Risiko Level 2 (UKMR 2) 16 Level 2 Risk Management Competency Test (UKMR 2)
Uji Kompetensi Manajemen Risiko Level 3 (UKMR 3) 7 Level 3 Risk Management Competency Test (UKMR 3)
Uji Kompetensi Manajemen Risiko Level 4 (UKMR 4) 1 Level 4 Risk Management Competency Test (UKMR 4)
General Banking 1 General Banking
General Banking Syariah Tingkat 1 (GBS 1) 4 Level 1 Sharia General Banking (GBS 1)
Certified of Information System Auditor (CISA) 1 Certified of Information System Auditor (CISA)
Control Objective for Information and Related Technology (COBIT 5) 1 Control Objective for Information and Related Technology (COBIT 5)
Cisco Certified Network Associate (CCNA) 1 Cisco Certified Network Associate (CCNA)
Train the Trainer 1 Train the Trainer
Certified Anti-Fraud Manager (CAFM) 1 Certified Anti-Fraud Manager (CAFM)
Certified Information Technology Infrastructure Library (ITIL) 1 Certified Information Technology Infrastructure Library (ITIL)
Certified in Internal Audit on ISMS Based on ISO27001 1 Certified in Internal Audit on ISMS Based on ISO27001
ISMS-ISO/IEC 27001:2022 3 ISMS-ISO/IEC 27001:2022
Pengembangan Kompetensi SKAI Competency Development of IAU
Bank Sinarmas memfasilitasi personel SKAI, baik kepala maupun Bank Sinarmas facilitates IAU personnel, both the head and
SDM di lingkungan SKAI, untuk mengikuti berbagai program human resources within IAU, to participate in various competency
pengembangan kompetensi. Langkah ini dilakukan untuk development programs. This step is taken to ensure that IAU
memastikan personel SKAI memiliki kompetensi yang diperlukan personnel have the necessary competencies to effectively carry out
untuk menjalankan perannya secara efektif dalam mendukung their roles in supporting the success and sustainability of the Bank.
kesuksesan dan keberlanjutan Bank. Informasi mengenai program Information regarding the competency development programs for
pengembangan kompetensi personel SKAI pada tahun 2023 IAU personnel in 2023 is disclosed as follows.
diungkapkan sebagai berikut.
Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Competency Development Material Place/Date Organizer
Pengembangan Kompetensi Kepala SKAI
IAU Head Competency Development
12 Mei 2023
What You Need to Know About the Proposed Changes to the Standards Institute of Internal Auditors (IIA) Indonesia
May 12, 2023
15-16 Juni 2023
High Impact Presentation & Business Story Telling Skills Foster & Bridge Indonesia
June 15-16, 2023
12-13 Juli 2023 Ikatan Audit Internal Bank (IAIB)
National Conference IAIB 2023
July 12-13, 2023 Bank Internal Auditors Association (IAIB)
15 & 22 September 2023
Training Technical Skill (Audit Working Paper and Findings Management) Bank Sinarmas
September 15 & 22, 2023
Transformasi Perbankan Digital, Sharing Session National Conference IIA
2023, dan Sosialisasi Coaching Guidance 24 November 2023
Bank Sinarmas
Digital Banking Transformation, National Conference IIA 2023 Sharing November 24, 2023
Session, and Coaching Guidance Outreach
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Materi Pengembangan Kompetensi Tempat/Tanggal Penyelenggara
Competency Development Material Place/Date Organizer
Pengembangan Kompetensi SDM SKAI
IAU HR Competency Development
1 Januari 2023
Problem Solving: The Complete Guide UDEMY
January 1, 2023
1 Januari 2023
Level I CFA® Prep Course 2023 - Financial Statement Analysis UDEMY
January 1, 2023
1 Januari 2023
Seeing The Big Picture: Understanding Financial Statements UDEMY
January 1, 2023
Sosialisasi Implementasi dan Sertifikasi ISO27001 Batch 3 6 Januari 2023
SKYPRO
Dissemination of ISO27001 Batch 3 Implementation and Certification January 6, 2023
Town Hall Meeting: Penerapan GRC Terintegrasi untuk Tata Kelola dan
Meningkatkan Pengelolaan Risiko yang Lebih Baik 24 Januari 2023
Institute of Internal Auditors (IIA) Indonesia
Town Hall Meeting: Implementation of Integrated GRC for Governance and January 24, 2023
Improving Better Risk Management
24 Januari 2023
Motivational-Self One Xcellence: I Can’t but We Can Bank Sinarmas
January 24, 2023
22-23 Februari 2023
End to End Treasury Transaction Process PT Triniti Solusi Kreatifindo
February 22-23, 2023
Meningkatkan Kualitas dan Nilai Tambah Audit melalui “Root Cause Analysis” 16 Maret 2023
Arfaidhams Secret
Enhancing Audit Quality and Value through "Root Cause Analysis" March 16, 2023
15-16 Juni 2023
High Impact Presentation & Business Story Telling Skills Foster & Bridge Indonesia
June 15-16, 2023
12-14 Juli 2023
Elevating Business Together: Synergy Operations and Support Units Bank Sinarmas
July 12-14, 2023
15 & 22 September 2023
Training Technical Skill (Audit Working Paper dan Findings Management) Bank Sinarmas
September 15 & 22, 2023
Metodologi dan Perhitungan Fund Transfer Pricing (FTP) 19-20 September 2023
Infobank Institute
Methodology and Calculation of Fund Transfer Pricing (FTP) September 19-20, 2023
Transformasi Perbankan Digital, Sharing Session National Conference IIA
2023, dan Sosialisasi Coaching Guidance 24 November 2023
Bank Sinarmas
Digital Banking Transformation, National Conference IIA 2023 Sharing Novemeber 24, 2023
Session, and Coaching Guidance Outreach
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Tahun 2023 in 2023
Sepanjang tahun 2023, SKAI telah merealisasikan tugas dan Throughout 2023, IAU performed its duties and responsibilities
tanggung jawab berikut. as follows.
Realisasi Tugas SKAI
Realization of IAU’s Duties
Area Jenis Pemeriksaan Kantor Cabang*) Kantor Cabang Syariah**) Unit Kerja
Type of Examination Branch Office Sharia Branch Office Work Unit
Pemeriksaan Tahunan / Annual Examination 75 - 30
Regulatory Requirement - - 1
Thematic Review - - 1
Ad-Hoc IT - - 5
Jumlah 75 - 37
Keterangan: Description:
*) Termasuk KC, KCP, KK, KFO, UPK dan KF UMK. *) Including KC, KCP, KK, KFO, UPK and KF UMK.
**) Termasuk KCS, KKS, KFS dan UPKS. **) Including KCS, KKS, KFS and UPKS.
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Rapat SKAI
IAU Meeting
Rapat dengan
Uraian Meeting with
Description Direksi Dewan Komisaris Komite Audit
Board of Directors Board of Commissioners Audit Committee
Jumlah Rapat / Number of Meeting 4 4 6
Sistem Pengendalian Internal
Internal Control System
Sistem Pengendalian Internal (SPI) yang efektif merupakan An effective Internal Control System (ICS) is a crucial component
komponen penting dalam manajemen Bank Sinarmas (“Bank”) dan in the management of Bank Sinarmas ("the Bank") and serves
menjadi dasar kegiatan operasional bank yang sehat dan aman. SPI as the foundation for sound and secure banking operations. An
yang efektif dapat membantu pengurus bank menjaga aset bank, effective ICS can assist the Bank's management in safeguarding
menjamin tersedianya pelaporan keuangan dan manajerial yang the Bank's assets, ensuring the availability of reliable financial and
dapat dipercaya, meningkatkan kepatuhan terhadap ketentuan dan managerial reporting, enhancing compliance with applicable laws
peraturan perundang-undangan yang berlaku, serta mengurangi and regulations, and reducing the risk of losses, deviations, and
risiko terjadinya kerugian, penyimpangan dan pelanggaran aspek violations of prudential aspects.
kehati-hatian.
Tujuan Pengendalian Internal Internal Control Objectives
Tujuan penerapan pengendalian internal di lingkungan Bank The objectives of internal control implementation at Bank Sinarmas
Sinarmas diuraikan sebagai berikut. are disclosed as follows.
1. Menjamin semua kegiatan usaha Bank telah dilaksanakan 1. Guarantee that all Bank business activities have been carried
sesuai ketentuan dan peraturan perundang-undangan out in accordance with applicable laws and regulations,
yang berlaku, baik ketentuan yang dikeluarkan pemerintah, both provisions issued by the government, the Financial
Otoritas Jasa Keuangan maupun kebijakan, ketentuan dan Services Authority, as well as internal policies, provision, and
peraturan internal yang ditetapkan oleh Bank. regulations stipulated by the Bank.
2. Menjamin tersedianya laporan yang lengkap, akurat, 2. Guarantee the availability of complete, accurate, appropriate,
tepat guna dan tepat waktu yang diperlukan dalam and timely reports needed in order to making appropriate and
rangka pengambilan keputusan yang tepat dan dapat accountable decisions.
dipertanggungjawabkan.
3. Meningkatkan efektivitas dan efisiensi dalam menggunakan 3. Improve the effectiveness and efficiency in using assets and
aset dan sumber daya lainnya dalam rangka melindungi Bank other resources in order to protect the Bank from the risk of
dari risiko kerugian. loss.
4. Mengidentifikasi kelemahan dan menilai penyimpangan 4. Identify weakness and assess deviation early, and reassess the
secara dini serta menilai kembali kewajaran kebijakan dan fairness of the Bank’s existing policies and procedures on an
prosedur yang ada di bank secara berkesinambungan. ongoing basis.
Kesesuaian Pengendalian Internal dengan COSO Compliance of Internal Control with COSO
Bank Sinarmas mengimplementasikan Sistem Pengendalian Intern Bank Sinarmas implements the Internal Control System according
sesuai pedoman yang telah ditetapkan oleh Komisaris dan Direksi to the guidelines established by the Board of Commissioners and
melalui Surat Keputusan SK. No.099/2022/PRESDIR-SKAI tanggal the Board of Directors through Decision Letter No.099/2022/
8 Agustus 2022 mengenai Kebijakan Sistem Pengendalian Intern PRESDIR-SKAI dated 8 August 2022, regarding the Internal
Versi 5.0. Dalam pelaksanaannya, Bank memiliki pedoman yang Control System Policy Version 5.0. In its implementation, the Bank
mencakup 5 elemen utama yang saling terkait, yakni: has guidelines that cover 5 main interconnected elements, namely:
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1. A control environment (lingkungan pengendalian); 1. A control environment;
2. Risk assessment (penaksiran risiko); 2. Risk assessment;
3. Control activities (kegiatan pengendalian); 3. Control activities;
4. Information and communication (informasi dan komunikasi); 4. Information and communication; and
dan
5. Monitoring (pemantauan). 5. Monitoring.
Kelima komponen ini sejalan dengan Internal Control Integrated These five components are consistent with the Internal Control
Framework yang dikembangkan oleh The Committee of Integrated Framework developed by the Committee of Sponsoring
Sponsoring Organization of the Treadway Commission (COSO). Organization of the Treadway Commission (COSO).
Pelaksanaan Sistem Pengendalian Internal Implementation of Internal Control System
Bank Sinarmas mengimplementasikan SPI secara menyeluruh dan Bank Sinarmas implements a comprehensive and adequate
memadai sesuai dengan tujuan, ukuran, kompleksitas usaha, dan Internal Control System (ICS) in accordance with objectives, size,
risiko yang dihadapi. Hal tersebut dilakukan dengan mengacu pada: business complexity and risk faced. This is done by referring to:
1. Kebijakan dan prosedur yang telah ditetapkan oleh Direksi 1. Policy and procedures that have been established by the
dan/atau Dewan Komisaris; Board of Directors and/or the Board of Commissioners;
2. Struktur organisasi yang menggambarkan secara jelas tugas & 2. Organizational structure that clearly describes the duties and
tanggung jawab masing-masing unit dan individu; serta responsibilities of each unit and individual; and
3. Tersedianya pelaporan keuangan dan manajerial yang dapat 3. Availability of reliable financial and managerial reporting with
dipercaya dengan sistem yang mendukung serta dilaporkan a support system and is reported regularly to the Board of
secara berkala kepada Dewan Komisaris dan Direksi. Commissioners and the Board of Directors.
Mekanisme pengawasan dilakukan di seluruh tingkatan, mulai The supervision mechanisms are implemented at all levels, from
dari manajemen tertinggi hingga tingkat terendah, dengan top management to the lowest level, following the principle of
mengacu pada prinsip four eyes principles. Dengan pembagian the ‘four eyes principle’. With clear division of functions, tasks,
fungsi, tugas, dan wewenang yang jelas, diharapkan sistem and authorities, it is expected that the internal control system can
pengendalian intern dapat berjalan efektif. operate effectively.
Sementara itu, tanggung jawab bersama atas pelaksanaan SPI atas Meanwhile, shared responsibility for implementing the Internal
fungsi manajemen risiko terletak pada lini pertama, lini kedua, dan Control System (ICS) concerning risk management functions
lini ketiga. Manajemen dan karyawan memiliki peran, tanggung lies with the first line, second line, and third line. Management
jawab, serta kewajiban untuk menerapkan, mematuhi, dan and employees have roles, responsibilities, and obligations to
meningkatkan SPI di Bank Sinarmas. implement, comply with, and enhance the ICS at Bank Sinarmas.
Tinjauan atas Efektivitas Review of the Effectiveness of the Internal
Sistem Pengendalian Internal Control System
Bank Sinarmas melaksanakan sistem pengendalian intern sesuai Bank Sinarmas adopts an internal control system in accordance
dengan Internal Control Integrated Framework yang telah with the Internal Control Integrated Framework issued by COSO.
dikeluarkan oleh COSO. Kegiatan pengendalian terlebih dahulu Control activities are first planned and implemented to manage
direncanakan dan diterapkan guna mengendalikan risiko yang risks that may affect the performance or result in losses for the
dapat mempengaruhi kinerja atau mengakibatkan kerugian Bank. Bank.
Permasalahan yang berkaitan dengan kecukupan pengendalian Issues related to the adequacy of internal controls have been
intern telah dilaporkan kepada Direksi, Dewan Komisaris dan reported to the Board of Directors, the Board of Commissioners,
Komite Audit dan langkah-langkah tindak lanjut telah dilakukan and the Audit Committee, and follow-up measures have been
untuk meminimalkan risiko. taken to minimize risks.
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Pernyataan Direksi dan/atau Dewan Komisaris Statement of the Board of Directors and/or the
atas Kecukupan Sistem Pengendalian Internal Board of Commissioners on the Adequacy of
Internal Control System
Direksi dan Dewan Komisaris telah mengevaluasi implementasi The Board of Directors and the Board of Commissioners have
SPI di Bank. Berdasarkan evaluasi tersebut, keduanya menyatakan evaluated the implementation of the Internal Control System
bahwa Bank telah berhasil menerapkan SPI yang efektif dan (ICS) in the Bank. Based on this assessment, both parties have
memadai dalam mengelola risiko-risiko yang dihadapi. Bank tetap declared that the Bank has successfully implemented an effective
berada dalam batas toleransi risiko (risk appetite), mencerminkan and adequate ICS in managing the risks it faces. The Bank remains
operasional yang berjalan secara efektif dan efisien, penyampaian within its risk tolerance limits, reflecting effective and efficient
laporan keuangan yang akurat dan dapat diandalkan, serta operations, accurate and reliable financial reporting, as well as
pengamanan aset Bank dan kepatuhan terhadap hukum securing the Bank’s assets and compliance with applicable laws
dan peraturan yang berlaku. Oleh karena itu, Bank Sinarmas and regulations. Therefore, Bank Sinarmas believes that the
berpandangan bahwa pelaksanaan sistem pengendalian internal implementation of the internal control system in 2023 has been
pada tahun 2023 telah berjalan dengan baik. Meskipun demikian, carried out effectively. However, the results of this evaluation
hasil evaluasi tersebut senantiasa dikaji guna meningkatkan are constantly reviewed to enhance the effectiveness of the
efektivitas pelaksanaan sistem pengendalian intern ke depannya. implementation of the internal control system in the future.
Satuan Kerja Kepatuhan
Compliance Work Unit
Dengan melihat adanya perkembangan tantangan dan risiko usaha Considering the increasing challenges and risks facing the Bank's
Bank yang semakin besar, diperlukan berbagai upaya yang dapat business, various efforts are needed to mitigate these risks.
dilakukan untuk memitigasi risiko. Upaya tersebut dapat bersifat These efforts can be preventive (ex-ante) and corrective (ex-post).
preventif (ex-ante) dan kuratif (ex-post). Upaya yang bersifat Preventive efforts are essential to reduce or minimize the potential
preventif sangat diperlukan untuk mengurangi atau memperkecil risks of the Bank business’ activities that are anticipated to occur.
potensi risiko kegiatan usaha Bank yang diperkirakan akan terjadi. Therefore, there is a need to enhance the role and function of
Oleh karena itu, diperlukan adanya peningkatan peran dan Fungsi Compliance as well as the Compliance Work Unit in managing
Kepatuhan serta Satuan Kerja Kepatuhan dalam pengelolaan Compliance Risks. As for corrective efforts, the Director in charge
Risiko Kepatuhan. Upaya yang bersifat kuratif, Direktur yang of the compliance function plays a role in risk mitigation, assisted
membawahkan fungsi kepatuhan berperan dalam melakukan by SKK, which also executes compliance functions and coordinates
mitigasi risiko, dengan dibantu oleh SKK yang juga bertugas efforts to enhance a Compliance Culture. Through these efforts,
melaksanakan Fungsi Kepatuhan dan mengoordinasikan upaya Bank Sinarmas reaffirms a strong commitment to comply with
peningkatan Budaya Kepatuhan. Melalui upaya tersebut, Bank regulations and regulatory requirements, ensuring effective and
Sinarmas menegaskan komitmen kuat untuk mematuhi peraturan efficient compliance risk management to respond to changing risk
dan ketentuan regulator, serta memastikan manajemen risiko conditions.
kepatuhan yang efektif dan efisien dalam merespons perubahan
kondisi risiko.
Direktur Kepatuhan Compliance Director
Bapak Hanafi Himawan ditetapkan sebagai Direktur Kepatuhan Mr. Hanafi Himawan was appointed as Compliance Director
PT. Bank Sinarmas Tbk. pada 23 Maret 2018 berdasarkan Surat of PT. Bank Sinarmas Tbk. on March 23, 2018, based on the
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Decision Letter of members of the Board of Commissioners of the
dengan No. KEP-47/D.03/2018 tanggal 23 Maret 2018. Adapun Financial Services Authority with No. KEP-47/D.03/2018 dated
uraian terkait tugas dan tanggung jawab Direktur Kepatuhan, March 23, 2018. The description of the duties and responsibilities
sebagai berikut. of the Compliance Director is outlined as follows
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1. Merumuskan strategi guna mendorong terciptanya Budaya 1. Formulating strategies to promote the establishment of the
Kepatuhan Bank. Bank's Compliance Culture.
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip 2. Proposing compliance policies or principles of compliance to
kepatuhan yang akan ditetapkan oleh Direksi. be determined by the Board of Directors.
3. Menetapkan sistem dan prosedur kepatuhan yang digunakan 3. Establishing compliance systems and procedures used to
untuk menyusun ketentuan dan pedoman internal Bank. develop internal regulations and guidelines for the Bank.
4. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, 4. Ensuring that all policies, regulations, systems, procedures,
dan prosedur, serta kegiatan usaha yang dilakukan Bank and business activities conducted by the Bank comply with the
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan Financial Services Authority regulations and legal provisions,
ketentuan peraturan perundang-undangan, termasuk Prinsip including Sharia Principles for Sharia Business Units.
Syariah bagi Unit Usaha Syariah.
5. Meminimalkan Risiko Kepatuhan Bank; 5. Minimizing the Compliance Risks of the Bank;
6. Melakukan tindakan pencegahan agar kebijakan dan/atau 6. Taking preventive actions to ensure that policies and/or
keputusan yang diambil Direksi Bank atau pimpinan kantor decisions made by the Bank's Board of Directors or branch
cabang dari Bank yang berkedudukan di luar negeri tidak office leaders of the Bank located abroad do not deviate from
menyimpang dari ketentuan Otoritas Jasa Keuangan dan the provisions of the Financial Services Authority regulations
ketentuan peraturan perundang-undangan. as well as laws and regulations.
7. Melakukan tugas lain yang terkait dengan Fungsi Kepatuhan, 7. Performing other tasks related to Compliance Function,
antara lain memantau dan menjaga kepatuhan Bank terhadap including monitoring and ensuring the Bank's compliance
komitmen yang dibuat oleh Bank kepada Otoritas Jasa with commitments made by the Bank to the Financial Services
Keuangan maupun otoritas pengawas lain yang berwenang. Authority or other authorized supervisory authori-ties.
Tanggung Jawab Satuan Kerja Kepatuhan Responsibilities of the Compliance Work Unit
Tanggung jawab SKK Bank Sinarmas diuraikan sebagai berikut. The responsibilities of the Compliance Work Unit of Bank Sinarmas
1. Membuat program dan langkah-langkah untuk mendukung are described as follows.
terciptanya Budaya Kepatuhan pada seluruh kegiatan usaha 1. Create programs and make the necessary steps to help shape
Bank pada setiap jenjang organisasi. Compliance Culture in all Bank business activities at every
2. Melakukan identifikasi, pengukuran, pemantauan, dan level of organization.
pengendalian terhadap Risiko Kepatuhan dengan mengacu 2. Identify, measure, monitor, and control Compliance Risks
pada ketentuan Otoritas Jasa Keuangan, Bank Indonesia, by referring to provisions of the Financial Services Authority,
Pusat Pelaporan dan Analisis Transaksi Keuangan, serta Bank Indonesia, and the Center for Financial Transaction
ketentuan peraturan perundang-undangan lainnya yang Reports, as well as other laws and regulations that govern the
mengatur mengenai penerapan manajemen risiko bagi bank implementation of risk management for commercial banks or
umum maupun unit usaha syariah; sharia business units.
3. Menilai dan mengevaluasi efektivitas, kecukupan, dan 3. Assess and evaluate the effectiveness, adequacy, and
kesesuaian kebijakan, ketentuan, sistem maupun prosedur conformity of the Bank’s policy, provisions, systems, and
yang dimiliki oleh Bank dengan ketentuan peraturan procedures to laws and regulations.
perundang-undangan.
4. Melakukan kaji ulang dan/atau merekomendasikan 4. Review and/or recommend updating and improving policies,
pengkinian dan penyempurnaan kebijakan, ketentuan, sistem provisions, systems, and procedures of the Bank to comply
maupun prosedur yang dimiliki oleh Bank agar sesuai dengan with Financial Services Authority provisions and other laws and
ketentuan Otoritas Jasa Keuangan dan ketentuan peraturan regulations, including sharia principles for sharia commercial
perundang-undangan lainnya, termasuk prinsip syariah bagi banks and sharia business units.
bank umum syariah dan unit usaha syariah.
5. Melakukan upaya untuk memastikan bahwa kebijakan, 5. Make all necessary efforts to ensure that the policies,
ketentuan, sistem dan prosedur, serta kegiatan usaha Bank provisions, systems, procedures, and business activities of the
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan Bank comply with Financial Services Authority provisions and
ketentuan peraturan perundang-undangan lainnya. other laws and regulations.
6. Melakukan tugas-tugas yang terkait dengan Fungsi 6. Perform duties related to Compliance Functions such as:
Kepatuhan, antara lain:
a. Memastikan kepatuhan Bank terhadap komitmen yang a. Ensuring the Bank's compliance with commitments made
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/ by the Bank to the Financial Services Authority and/or
atau otoritas pengawas lain yang berwenang. other authorized supervisory authorities.
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b. Melakukan pemantauan atas peraturan perundangan- b. Monitor laws and regulations that may affect the Bank,
undangan yang berdampak pada Bank, menyusun prepare a review of laws and regulations and organize
kajian dampak dari peraturan perundangan-undangan an outreach for any external regulation that affect
serta melakukan sosialisasi setiap peraturan eksternal operational activities of Bank Sinarmas.
yang berpengaruh terhadap kegiatan operasional Bank
Sinarmas;
c. Memantau dan menganalisis penerapan ketentuan c. Monitor and analyze the implementation of external
eksternal di unit kerja, baik melalui uji kepatuhan provisions in the work unit, either through compliance
(compliance testing) pada unit kerja yang bersangkutan testing in the work unit concerned or based on the IAU
maupun berdasarkan laporan hasil audit SKAI; audit report.
d. Memberikan opini/advice kepatuhan kepada unit-unit d. Provide compliance opinion/advice to work units on the
kerja pada pengembangan aktivitas, produk, transaksi, development of activities, products, transactions, systems,
sistem, penyusunan kebijakan, dan prosedur internal preparation of the Bank’s internal policies and procedures
Bank yang memiliki risiko kepatuhan; that carry compliance risks.
e. Melakukan review kepatuhan terhadap aktivitas pengajuan e. Review the compliance of activities for proposing, closing,
pembukaan, penutupan, relokasi, upgrade status cabang, relocating, upgrading branch status and network.
dan jaringan kerja;
f. Berkoordinasi dengan unit kerja terkait dalam penyusunan f. Coordinate with related work units in preparing and
dan pengkinian pedoman internal yang terkait dengan updating internal guidelines related to the implementation
penerapan manajemen risiko kepatuhan; of compliance risk management.
g. Mengidentifikasi dan mengkinikan parameter serta profil g. Identify and update compliance parameter and risk profile
risiko kepatuhan dalam setiap aktivitas fungsional dan in each functional activity and ensure that these risks are
memastikan bahwa risiko tersebut telah dikendalikan properly controlled by the related work units.
dengan baik oleh unit kerja terkait;
h. Menyiapkan Laporan Direktur Kepatuhan yang wajib h. Prepare the Compliance Director’s Report which must
disampaikan kepada regulator maupun untuk kebutuhan be submitted to the regulator as well as for the purpose
pengawasan Direksi dan Komisaris Bank; of oversight by the Board of Directors and the Board of
Commissioners.
i. Melakukan koordinasi dan pemantauan atas pengajuan i. Coordinate and monitor the submission of applying for
perizinan produk, aktivitas, dan pengembangan sistem the licenses of products, activities & system development
Bank di Otoritas Jasa Keuangan dan/atau Bank Indonesia; of the Bank at the Financial Services Authority and/or
Bank Indonesia.
j. Memantau dan menganalisa sanksi denda dari regulator, j. Monitor and analyze fines from the regulator, identify
mengidentifikasi akar penyebab denda dan mendorong the root cause of fines and encourage corrective and/or
dilakukan upaya korektif dan/atau preventif guna mencegah remedial actions to prevent recurrence of sanctions and/
terulangnya sanksi dan/atau meminimalisasi sanksi denda; or minimize fines.
k. Memantau pelaksanaan dan tindak lanjut pemenuhan k. Monitor the implementation and follow-up actions on the
tindak lanjut ketentuan peraturan perundang-undangan fulfillment of laws and regulations that affect the Bank,
yang berdampak bagi bank, pemenuhan komitmen fulfillment of commitment including follow-up audits
termasuk tindak lanjut audit oleh regulator baik Otoritas by regulators such as the Financial Services Authority,
Jasa Keuangan, Bank Indonesia, maupun Pusat Pelaporan Bank Indonesia, and the Indonesian Financial Transaction
dan Analisis Transaksi Keuangan (PPATK) oleh Bank/unit- Reports and Analysis Center (INTRAC) by the Bank/related
unit kerja terkait; work units.
l. Mereview dan/atau menyusun ketentuan internal, kertas l. Review and/or compile internal provisions, working
kerja dan alat bantu aktivitas kepatuhan dan APU-PPT sheets and tools for compliance activities and AML-CTF
(termasuk untuk uji kepatuhan); (including for compliance testing).
m. Mengembangkan sistem untuk pemantauan komitmen m. Develop system to monitor the Bank’s commitment to
Bank ke regulator antara lain monitoring tindak lanjut regulator, including monitoring follow up to regulator
ketentuan regulator, tindak lanjut audit regulator dan provisions, follow-up to regulatory audits, and regulatory
regulatory reporting; reporting.
n. Menyiapkan program dan materi pelatihan dan sosialisasi n. Prepare programs and training materials and compliance
kepatuhan serta memastikan penyampaiannya kepada outreach, as well as ensure the programs are delivered to
karyawan dan unit kerja Bank termasuk untuk program employee and work units of the bank including for the
APU-PPT; AML and CTF program.
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o. Melakukan supervisi, mengkoordinasi, mendorong serta o. Supervise, Coordinate, encourage, and monitor the
memantau penerapan good corporate governance (GCG), implementation of Good Corporate Governance (GCG),
penerapan kepatuhan dan keuangan berkelanjutan pada the implementation of compliance and sustainable
Bank; finance at the Bank.
p. Menyupervisi, mengkoordinasi, mendorong serta p. Supervise, coordinate, encourage, and monitor the
memantau penerapan GCG, penerapan kepatuhan pada implementation of GCG, the implementation of
Konglomerasi Keuangan Grup Sinarmas; dan compliance at Sinarmas Group Financial Conglomerate;
q. Sebagai Liaison Officer Bank ke regulator antara lain and
pada aktivitas pengajuan dan pemantauan pengajuan q. As the Bank’s Liaison Officer to regulators, among other,
perizinan dan/atau persetujuan produk dan aktivitas Bank in submitting and monitoring licensing and/or product
ke regulator serta pelaksanaan pengawasan maupun approval and activities of the Bank to regulator, as well as
pemeriksaan oleh regulator. carrying out supervision and inspection by regulators.
7. Melakukan tugas dalam rangka memastikan penerapan 7. Perform other tasks in order to ensure the implementation
peraturan perundang-undangan Anti Pencucian Uang dan of Anti-Money Laundering (AML) and Counter-Terrorism
Pencegahan Pendanaan Terorisme dan Pendanaan Proliferasi Financing and Proliferation Financing of Weapons of Mass
Senjata Pemusnah Massal (APU-PPT & PPPSPM) pada Bank Destruction (AML-CTF & CPF) laws and regulations at the
pada Bank, meliputi: Bank, including:
a. Menganalisis secara berkala penilaian risiko Tindak Pidana a. Periodically analyze the risk assessment of Money
Pencucian Uang (TPPU) dan/atau Tindak Pidana Pendanaan Laundering (ML) and/or Terrorism Financing (TF) crimes
Terorisme (TPPT) terkait dengan nasabah, negara atau area related to its customers, countries or geographic areas,
geografis, produk, jasa, transaksi atau jaringan distribusi; products, services, transactions, or distribution networks;
b. Menyusun, melakukan pengkinian, dan mengusulkan b. Arrange, update, and propose policies and procedures
kebijakan dan prosedur penerapan program APU-PPT for the implementation of AML-CFT & CPF programs
& PPPSPM yang telah disusun untuk mengelola dan that have been prepared to manage and mitigate risks
memitigasi risiko berdasarkan penilaian risiko, untuk based on risk assessments, for the Board of Directors’
dimintakan pertimbangan dan persetujuan Direksi dan consideration and approval by the and the Board of
persetujuan Komisaris untuk kebijakan; Commissioners’ approval for policies:;
c. Melakukan pemantauan dan pengujian terhadap c. Monitoring and testing the implementation of AML-CFT
penerapan APU PPT & PPPSPM yang berdampak pada & CPF, impacting the Bank and related work units;
Bank dan unit kerja terkait;
d. Melakukan pemantauan terhadap ketentuan Regulator d. Monitoring regulatory provisions and regulations
dan peraturan APU PPT & PPPSPM yang berlaku; applicable to AML-CFT & CPF;
e. Melakukan kajian dan/atau memberikan opini/advice e. Conducting reviews and/or providing opinions/advice on
terhadap produk/layanan, ketentuan internal, formulir products/services, internal provisions, financial and non-
transaksi keuangan dan non-keuangan; financial transaction forms;
f. Memantau pengkinian profil nasabah; f. Monitoring the update of customer profiles;
g. Memastikan adanya sistem yang dapat mengidentifikasi, g. Ensuring the existence of a system that can identify,
menganalisis, memantau, dan menyediakan laporan analyze, monitor, and provide effective reports on the
secara efektif mengenai karakteristik transaksi yang charac-teristics of transactions conducted by customers.
dilakukan oleh nasabah;
h. Memantau dan menganalisis terhadap rekening nasabah fh Monitoring and analyzing customer accounts that do
yang tidak sesuai dengan profil, karakteristik, dan/atau not match the profile, characteristics, and/or transaction
kebiasaan pola transaksi nasabah; patterns of customers;
i. Melakukan evaluasi terhadap skenario/parameter i. Evaluating scenarios/parameters for monitoring customer
pemantauan transaksi nasabah sesuai dengan modus/ transactions according to evolving modes/typologies;
tipologi yang berkembang; j. Maintaining, reviewing, updating, and periodically
j. Memelihara, mereview, mengkinikan, serta disseminating the Bank risk criteria based on job roles,
mensosialisasikan secara berkala kriteria risiko Bank business sectors, country/nationality, and products/
berdasarkan pekerjaan, bidang usaha, negara/ services.
kewarganegaraan, dan produk/layanan;
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k. Memelihara, mengkinikan daftar terduga teroris dan k. Maintaining and updating the list of suspected terrorists
organisasi teroris, daftar proliferasi, serta daftar lainnya and terrorist organizations, proliferation lists, and other
untuk kepentingan program APU-PPT & PPPSPM serta lists for the purposes of the AML-CFT & CPF program, and
memastikan identifikasi serta pemeriksaan daftar-daftar ensuring the identification and examination of these lists
dimaksud terhadap database nasabah Bank sebelum against the Bank's customer database before the process
proses pembukaan hubungan usaha, secara ad hoc of opening business relationships, both ad hoc and peri-
maupun berkala; odically;
l. Menerima, melakukan analisis, dan menyusun laporan l. Receiving, analyzing, and preparing reports on suspicious
transaksi keuangan mencurigakan dan/atau transaksi financial transactions and/or cash transactions conduct-
keuangan yang dilakukan secara tunai yang disampaikan ed by work units.
oleh satuan kerja;
m. Melaporkan Transaksi Keuangan Mencurigakan (LTKM), m. Reporting Suspicious Financial Transactions (LTKM), Cash
Transaksi Keuangan Tunai (LTKT), Transaksi Transfer Dana Financial Transactions (LTKT), Fund Transfer Transactions
dari dan ke Luar Negeri (LTKL), Laporan Sistem Informasi to and from Abroad (LTKL), Integrated User Service
Pengguna Jasa Terpadu (SIPESAT), laporan rencana dan Information System (SIPESAT) reports, reports on data
realisasi pengkinian data, laporan APU-PPT di Aplikasi update plans and realization, AML-CFT reports in the
Pelaporan Online Otoritas Jasa Keuangan (APOLO) sesuai Financial Services Authority's Online Reporting Application
ketentuan regulator yang berlaku; (APOLO) as required by applicable regulations;
n. Menyusun laporan untuk kepentingan manajemen Bank n. Compiling reports for the Bank's management purposes
serta memenuhi kewajiban pelaporan ke regulator antara and fulfilling reporting obligations to regulators including,
lain namun tidak terbatas pada Transaksi Keuangan but not limited to, Suspicious Financial Transactions
Mencurigakan (LTKM), Transaksi Keuangan Tunai (LTKM), Cash Financial Transactions (LTKT), Fund Transfer
(LTKT), Transaksi Transfer Dana dari dan ke Luar Negeri Transactions to and from Abroad (LTKL), Integrated User
(LTKL), Laporan Sistem Informasi Pengguna Jasa Terpadu Service Information System (SIPESAT) reports, reports on
(SIPESAT), laporan rencana dan realisasi pengkinian data, data update plans and realization, AML-CFT reports in the
laporan APU-PPT di Aplikasi Pelaporan Online Otoritas Financial Services Authority's Online Reporting Applica-
Jasa Keuangan (APOLO); tion (APOLO).
o. Memantau, menganalisis, dan merekomendasikan o. Monitoring, analyzing, and recommending training needs
kebutuhan pelatihan tentang penerapan program APU- regarding the implementation of AML-CFT program for
PPT bagi pejabat dan/atau pegawai Bank; officials and/or employees of the Bank;
p. Melakukan supervisi, mengkoordinasi, mendorong, serta p. Supervising, coordinating, promoting, and monitoring
memantau penerapan ketentuan APU dan PPT pada Bank the implementation of AML and CFT provisions at the
maupun konglomerasi keuangan Sinarmas Group; dan Bank and Sinarmas Group financial conglomeration; and
q. Sebagai Liaison Officer Bank ke regulator, antara lain q. Acting as the Bank's Liaison Officer to regulators,
pada aktivitas pengawasan dan pemeriksaan Bank oleh including in regulatory supervision and examination
regulator. activities con-ducted by regulators.
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Struktur Organisasi Kepatuhan
Director
Compliance Group Head
Compliance Compliance Compliance Advisory &
Compliance Advisory &
Project Advisory & Testing Division Head
Testing Division Head
Management Testing (Operation & Support,
(GCG, Anti Penyuapan,SF,
Senior Division Head Tresury & FI, Risk
Credit, Digital, & IT)
Manager (Sharia) Management)
Compliance Compliance Advisory Compliance Compliance Compliance Advisory
Advisory & & Testing Lead Advisory & Advisory & & Testing Lead Advisor
Testing Senior Advisor (GCG, Testing Lead Testing Lead (Treasury & FI, Risk
Advisor Anti Penyuapan & Advisor (Credit, Advisor Management, Securities
(Sharia) Regulatory Reporting) SF & Liaison) (Digital & IT) Services.Support)
Compliance Compliance Advisory Compliance Advisory Compliance
Advisory & & Testing Team Leader & Testing Advisor Advisory &
Testing Advisor (GCG, Anti Penyuapan & (Credit, Sustainable Testing Advisor
(Sharia) Regulatory Reporting) Finance & Liaison) (Digital & IT)
Compliance Compliance
Compliance Compliance Advisory Compliance Compliance Compliance
Advisory & Advisory &
Advisory & & Testing Junior Advisory & Testing Advisory & Testing Advisory &
Testing Junior Testing Junior
Testing Junior Advisor (GCG, Junior Advisor Junior Advisor Testing Junior
Advisor Advisor (Risk
Advisor Anti Penyuapan & (Anti Penyuapan & (Credit, Sustainable Advisor (Digital
(Treasury & FI. Management &
(Sharia) Regulatory Reporting) Regulatory Reporting) Finance & Liaison) & IT)
Support) Support)
SKK terdiri dari 5 Divisi dan 1 Fungsi sebagai berikut.
1. Divisi Compliance Advisory & Testing (Sharia).
2. Divisi Compliance Advisory & Testing (GCG, Anti Penyuapan, SF, Credit, Digital & IT).
3. Divisi Compliance Advisory & Testing (Operation & Support, Treasury & FI, Risk Management).
4. Divisi APU PPT & PPPSPM.
5. Divisi Compliance, APU PPT & PPPSPM, MIS & Quality Management.
6. Compliance Project Management
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Compliance Organizational Structure
Compliance APU PPT &
APU PPT
PPPSPM MIS & Quality
& PPPSPM
Management Division
Division Head
Head
APU PPT &
APU PPT APU PPT
APU PPT & PPPSPM Quality
& PPPSPM & PPPSPM
PPPSPM MIS Control & Quality
Department Manager
Lead Analyst Assurance Lead
Head (Sharia)
Analyst
Compliance APU PPT APU PPT &
APU PPT &
Advisory & Testing APU PPT & PPPSPM APU PPT & PPPSPM Quality
PPPSPM Compliance
Advisor (Securities & PPPSPM Advisory & PPPSPM Control & Quality
MIS Analyst MIS Analyst
Services Operation Section Head Policy Team MIS Analyst Assurance
(Sharia)
& Support) Leader Analyst
APU PPT &
PPPSPM
Advisory & Policy
Junior Officer
The Compliance Work Unit consists of 5 divisions and 1 Function, namely;
1. Compliance Advisory & Testing (Sharia) Division.
2. Compliance Advisory & Testing (GCG, Anti-Bribery, SF, Credit, Digital & IT) Division.
3. Compliance Advisory & Testing (Operation & Support, Treasury & FI, Risk Management) Division.
4. AML CTF & CPF Division.
5. Compliance, AML CTF & CPF Division, MIS & Quality Management Division.
6. Compliance Project Management
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Profil Kepala SKK Profile of Head of Compliance Work Unit
Dasar Hukum Pengangkatan
Legal Basis of Appointment
Surat Keputusan Direksi No. SK.1274/2022/PRESDIR-HCRS.
Board of Directors’ Decision Letter No. SK.1274/2022/PRESDIR-HCRS.
Riwayat Pendidikan
Educational Background
Sarjana Ekonomi, Universitas Bina Nusantara, Jakarta (2000).
Bachelor of Economic, Bina Nusantara University, Jakarta (2000).
Riwayat Pekerjaan
Work Experiences
• Kepala Grup Kepatuhan PT Bank MNC Internasional Tbk (2021-2022);
• Kepala Grup Kepatuhan dan Manajemen Risiko PT Bank MNC Internasional Tbk (2020-2021);
• Kepala Grup Kepatuhan PT Bank MNC Internasional Tbk Penanggungjawab Kepatuhan
Direktur (2019-2020);
• Vice President Financial Crime Compliance - Commercial Banking (VP FCC - CMB) PT Bank HSBC
Indonesia (2017-2019);
• Assistant Vice President Financial Crime Compliance Commercial Banking (FCC-CMB) PT Bank
HSBC Indonesia Bertanggung jawab kepada Direktur Kepatuhan/Kepala FCC (2015-2017);
• Manajer Senior Kejahatan Keuangan - Kepatuhan Perbankan Komersial (FCC-CMB) PT Bank
Ekonomi Raharja Tbk Bertanggung Jawab kepada Head of FCC CMB (2014-2015);
• Manajer Senior Penasihat Hukum PT Bank Ekonomi Raharja Tbk Bertanggung Jawab kepada
Head of Legal Counsel (2009-2014);
• Manajer Kredit dan Pemantauan PT Bank Ekonomi Raharja Bertanggung Jawab kepada Kepala
Divisi Kredit dan Monitoring (2000-2009); dan
• Staf Administrasi Legal PT Bank Ekonomi Raharja Bertanggung Jawab kepada Kepala Bagian
Kredit (1995-1999).
• Compliance Group Head of PT Bank MNC International Tbk. (2021-2022);
• Compliance Group Head and Risk Management of PT Bank MNC International Tbk. (2020-2021);
• Compliance Group Head of PT Bank MNC International Tbk. in charge for Director Compliance
(2019-2020);
• Vice President Financial Crime Compliance - Commercial Banking (VP FCC - CMB) of PT Bank
HSBC Indonesia (2017-2019);
• Assistant Vice President Financial Crime Compliance Commercial Banking (FCC-CMB) of
PT Bank HSBC Indonesia Responsible to Compliance Director/Head of FCC (2015-2017);
Budi Setiawan*) • Senior Manager of Financial Crime Compliance-Commercial Banking (FCC-CMB) of PT Bank
Ekonomi Raharja Tbk. Responsible to Head of FCC CMB (2014-2015);
Kepala Satuan Kerja Kepatuhan • Senior Manager of Legal Counsel of PT Bank Ekonomi Raharja Tbk. Responsible to Head of
Head of Compliance Work Unit Legal Councel (2009-2014);
• Credit and Monitoring Manager of PT Bank Ekonomi Raharja, Responsible to Head of Credit
Kewarganegaraan / Citizenship and Monitoring Division (2000-2009); and
• Legal Administration Staff of PT Bank Ekonomi Raharja, Responsible to Head of Credit
Indonesia Department (1995-1999).
Domisili / Domicile Rangkap Jabatan
Jakarta Concurrent Position
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Has no concurrent position, either at banks, companies, and/or other institutions.
Usia / Age
48 tahun / years old
Sertifikasi Profesi
Professional Certification
Uji Kompetensi Manajemen Risiko (UKMR) Level 4.
Level 4 Risk Management Competency Test (UKMR).
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Saham Pengendali.
Has no affiliated relationship with members of the Board of Commissioners, the Board of
Directors, and Controlling Shareholders.
*) Menjabat hingga 17 Januari 2024. / In position until January 17, 2024.
Laporan Tahunan dan Keberlanjutan 2023
352 PT. Bank Sinarmas Tbk.
Page 355
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Pengembangan Kompetensi Compliance Work Unit Competency
Satuan Kerja Kepatuhan Development
Bank Sinarmas memfasilitasi personel SKK, baik kepala maupun Bank Sinarmas facilitates the Compliance Work Unit (SKK)
SDM di lingkungan SKK, untuk mengikuti berbagai program personnel, both chairman and HR personnel within SKK
pengembangan kompetensi. Langkah ini dilakukan untuk environment, to participate in various competency development
memastikan personel SKK memiliki kompetensi yang diperlukan programs. This step is taken to ensure that SKK personnel have
untuk menjalankan perannya secara efektif dalam mendukung the necessary competencies to effectively carry out their roles in
kesuksesan dan keberlanjutan Bank. Informasi mengenai program supporting the success and sustainability of the Bank. Information
pengembangan kompetensi personel SKK pada tahun 2023 regarding the competency development programs for SKK
diungkapkan sebagai berikut. personnel in 2023 is disclosed as follows.
Pengembangan Kompetensi Kepala Satuan Kerja Kepatuhan
Compliance Work Unit Head Competency Development
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Kode Etik dan Kebijakan Perlindungan Nasabah
Bank Sinarmas 2 Mei 2023 2 September 2023 Sinarmas Digital Learning Sinarmas Digital Learning
Code of Ethics and Customer Protection Policy of May 2, 2023 September 2, 2023 (Sidilan) (Sidilan)
Bank Sinarmas
Refreshment Anti-Fraud dan Kode Etik 2 Juni 2023 20 Juni 2023 Sinarmas Digital Learning Sinarmas Digital Learning
Anti-Fraud and Code of Ethics Refreshment June 2, 2023 June 20, 2023 (Sidilan) (Sidilan)
Refreshment Anti-Fraud 12 Juni 2023 29 Desember 2023 Sinarmas Digital Learning Sinarmas Digital Learning
Anti-Fraud Refreshment June 12, 2023 December 29, 2023 (Sidilan) (Sidilan)
Implementation Personal Data Protection in 1 Agustus 2023 2 Agustus 2023 Ignite (Pijar Edukasi
Roxy Square - Ruang Irian
Developing Digital Services August 1, 2023 August 2, 2023 Teknologi)
Devisa Hasil Ekspor Dan Pembayaran Impor
4 Agustus 2023 4 Agustus 2023
Foreign Exchange Proceeds from Exports and Online Training BSIM - Compliance
August 4, 2023 August 4, 2023
Import Payments
Anti Pencucian Uang dan Pencegahan
Pendanaan Terorisme (APU-PPT) dan Tipologi
Tindak Pidana Pencucian Uang (TPPU) dan Tindak Learning Center Bank
Pidana Pendanaan Terorisme (TPPT) 19 Agustus 2023 26 Agustus 2023 Sinarmas
The Grand Mansion
Anti Money Laundering and Counter-Terrorist August 19, 2023 August 26, 2023 Bank Sinarmas Learning
Financing (AML-CTF) and Money Laundering Center
Crimes (ML) Typologies and Terrorism Financing
Crimes (TF) Typologies
UKMR Refreshment - Security by Design as
25 Agustus 2023 25 Agustus 2023
the Key Foundation for Effective Cyber Risk Hotel Ashley Maisa Edukasi
August 25, 2023 August 25, 2023
Management
Pelatihan Tipologi TPPU TPPT dan Analisis LKTM
Training on AML-CFT and Typology of Money 26 Agustus 2023 26 Agustus 2023 Learning Center Bank
The Grand Mansion
Laundering (TPPU) and Terrorism Financing Crime August 26, 2023 August 26, 2023 Sinarmas
(TPPT)
Sosialisasi Talent Review Pejabat Eksekutif 2023
17 Oktober 2023 17 Oktober 2023 Learning Center Bank Learning Center Bank
Dissemination of Executive Officer Talent Review
October 17, 2023 October 17, 2023 Sinarmas Sinarmas
2023
Learning Center Bank
9 November 2023 9 November 2023 Sinarmas
Agile Leadership Ritz Calton Bali
November 9, 2023 November 9, 2023 Bank Sinarmas Learning
Center
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
353
Page 356
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pelatihan Internal Satuan Kerja Kepatuhan
Internal Training of the Compliance Work Unit
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Rencana Aksi Keuangan Berkelanjutan (RAKB) 1 Januari 2023 22 April 2023 Sinarmas Digital Learning Learning Center Bank
Sustainable Finance Action Plan (RAKB) January 1, 2023 April 22, 2023 (Sidilan) Sinarmas
Online/Merlynn Park
24 Januari 2023 24 Januari 2023 Learning Center Bank
One Xcellence: I Can’t, But We Can Hotel Jakarta - Gambir,
January 24, 2023 January 24, 2023 Sinarmas
Jakarta Pusat
Sosialisasi Screening Watchlist pada Front End
System (Pega CS) di Cabang Konvensional dan
Syariah 26 Januari 2023 26 Januari 2023
Zoom Meeting BSIM - Compliance
Dissemination of Screening Watchlist on the Front January 26, 2023 January 26, 2023
End System (Pega CS) in Conventional and Sharia
Branch
Learning Center Bank
Podcast: Tipe-Tipe Nasabah Bank Syariah 3 Februari 2023 3 Februari 2023 Sinarmas
Online
Podcast: types of Sharia Bank Customers February 3, 2023 February 3, 2023 Bank Sinarmas Learning
Center
Sosialisasi Ketentuan Susunan dan Wewenang
Memutus untuk Komite Kredit/pembiayaan
Korporasi (Konvensional dan Syariah) 17 Februari 2023 17 Februari 2023 BSIM - Corporate Credit
Online Training
Dissemination of the Composition and Decision February 17, 2023 February 17, 2023 Analyst
Authority Provisions for Corporate Credit/
Financing Committees (Conventional and Sharia)
BSIM - Corporate
Terms and Conditions Supply Chain Financing 22 Februari 2023 22 Februari 2023
Online Training Banking 1 & Commercial
(SCF) February 22, 2023 February 22, 2023
Business Management
Learning Center Bank
22 Februari 2023 22 Februari 2023 Sinarmas
Open Class: Leaders in Digital Era Online
February 22, 2023 February 22, 2023 Bank Sinarmas Learning
Center
Learning Center Bank
Pelatihan Dasar Perbankan Syariah 23 Februari 2023 23 Februari 2023 Sinarmas
Ruangan Madura
Basic Training of Sharia Banking February 23, 2023 February 23, 2023 Bank Sinarmas Learning
Center
Mekanisme Pengecekan Penandaan Kode
Overbooking pada Transaksi Keuangan Tunai 27 Februari 2023 27 Februari 2023
Online Training BSIM - Regional Office
Mechanism for Checking Overbooking Code February 27, 2023 February 27, 2023
Marking in Cash Financial Transactions
Learning Center Bank
Podcast: Ga Sadar Terlibat Fraud, Kok Bisa???
3 Maret 2023 3 Maret 2023 Sinarmas
Podcast: How come you don’t realize you’re Online
March 3, 2023 March 3, 2023 Bank Sinarmas Learning
involved in fraud?
Center
Data Freshman Camp Batch 1 - Modul Banking Learning Center Bank
Sharia 3 Maret 2023 3 Maret 2023 Sinarmas
KPNO
Data Freshman Camp Batch 1 – Sharia Banking March 3, 2023 March 3, 2023 Bank Sinarmas Learning
Modul Center
Sosialisasi Asuransi & Health Talk “Nutrisi Sehat
Saat Puasa Berdasar Genetic” 15 Maret 2023 15 Maret 2023 BSIM - HC System &
Zoom Online
Data Freshman Camp Batch 1 – Sharia Banking March 15, 2023 March 15, 2023 Strategic
Modul
Sosialisasi Kebijakan Penerapan Anti Pencucian
Uang (APU) dan Pencegahan Pendanaan
21 Maret 2023 21 Maret 2023
Terorisme (PPT) Online Training BSIM - AML & CTF
March 21, 2023 March 21, 2023
Dissemination of Insurance & Health Talk ‘Health
Nutrition During Fasting Based on Genetic’
Learning Center Bank Learning Center Bank
27 Maret 2023 Sinarmas Sinarmas
Branch Supervisory Skills 27 Maret 2023
March 27, 2023 Bank Sinarmas Learning Bank Sinarmas Learning
Center Center
Learning Center Bank
Podcast: Nyicil Rumah Ala Syariah 30 Maret 2023 Sinarmas
30 Maret 2023 Online
Podcast: Sharia-based house installment March 30, 2023 Bank Sinarmas Learning
Center
Laporan Tahunan dan Keberlanjutan 2023
354 PT. Bank Sinarmas Tbk.
Page 357
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Taksonomi Hijau Indonesia 5 April 2023
5 April 2023 Zoom Meeting BSIM - Compliance
Indonesian Green Taxonomy April 5, 2023
Induction dan Kode Etik Karyawan Baru 6 April 2023 30 April 2023 Sinarmas Digital Learning Learning Center Bank
Indonesian Green Taxonomy April 6, 2023 April 30, 2023 (Sidilan) Sinarmas
17 April 2023 17 April 2023 Learning Center Bank
Podcast: New Product Way of Working Online
April 17, 2023 April 17, 2023 Sinarmas
Kode Etik dan Kebijakan Perlindungan Nasabah
Bank Sinarmas 2 Mei 2023 2 September 2023 Sinarmas Digital Learning Sinarmas Digital Learning
Bank Sinarmas Code of Ethics and Customer May 2, 2023 September 2, 2023 (Sidilan) (Sidilan)
Protection Policy
Induction dan Kode Etik Karyawan Baru 8 Mei 2023 31 Mei 2023 Sinarmas Digital Learning Sinarmas Digital Learning
Induction and Code of Ethics of new employees May 8, 2023 May 31, 2023 (Sidilan) (Sidilan)
9 Mei 2023 9 Mei 2023 Roxy Square - Ruang Learning Center Bank
Multifinance Business
May 9, 2023 May 9, 2023 Meeting Lt. 3 Sinarmas
Podcast: Biar Ga Deg-degan di Tengah Maraknya
Kejahatan Digital 12 Mei 2023 12 Mei 2023 Learning Center Bank
Online
Podcast: Don't get nervous amidst the rise of May 12, 2023 May 12, 2023 Sinarmas
digital crime
Sosialisasi Identifikasi Beneficial Owner
12 Mei 2023 12 Mei 2023
Dissemination of the identification of Online Training BSIM - Compliance
May 12, 2023 May 12, 2023
Beneficial Owner
Sosialisasi Mylearning 12-May-23 12-May-23 Learning Center Bank
Online Training
Mylearning Dissemination May 12, 2023 May 12, 2023 Sinarmas
Produk Simas Haji SMMF 16 Mei 2023 16 Mei 2023 Ruang Irian Learning Center Bank
SMMF Simas Haji Product May 16, 2023 May 16, 2023 Irian Room Sinarmas
Persyaratan Pembukaan Rekening Khusus Dana
Kampanye (RKDK) Partai Politik 24 Mei 2023 24 Mei 2023
Online Training BSIM - Compliance
Requirements for Opening a Special Campaign May 24, 2023 May 24, 2023
Fund Account (RKDK) for Political Parties
Refreshment Anti-Fraud dan Kode Etik 2 Juni 2023 2 Juni 2023 Sinarmas Digital Learning Sinarmas Digital Learning
Anti-Fraud and Code of Ethics Refreshment June 2, 2023 June 2, 2023 (Sidilan) (Sidilan)
Sosialisasi Compliance Monitoring System
(CMOS) 5 Juni 2023 5 Juni 2023
Online Zoom BSIM - Compliance
Dissemination of Compliance Monitoring System June 5, 2023 June 5, 2023
(CMOS)
Rencana Tindak Darurat 12 Juni 2023 12 Juni 2023 Sinarmas Digital Learning
Bank Sinarmas
Emergency Action Plan June 12, 2023 June 12, 2023 (Sidilan)
Sosialisasi Peningkatan Literasi dan Inklusi
Keuangan di Sektor Jasa Keuangan bagi
Konsumen dan Masyarakat 13 Juni 2023 13 Juni 2023
Online Training BSIM - Compliance
Dissemination of Increasing Financial Literacy June 13, 2023 June 13, 2023
and Inclusion in the Financial Services Sector for
Consumers and the Community
Podcast: Cara Gen MZ Bagi Waktu Versi DFC
Batch 1 16 Juni 2023 16 Juni 2023 Learning Center Bank
Online Training
Podcast: How MZ Gen Manage Their Time by DFC June 16, 2023 June 16, 2023 Sinarmas
Batch 1
17 Juni 2023 17 Juni 2023 BSIM - HC Recruitment &
Finding a Balance Mental & Physical Health Online Training
June 17, 2023 June 17, 2023 Services
Sosialisasi Merge CIF 5 Juli 2023 5 Juli 2023
Online Training BSIM - Compliance
Dissemination of CIF Merge July 5, 2023 July 5, 2023
Sosialisasi Peraturan Otoritas Jasa Keuangan No.
8 Tahun 2023 tentang Penerapan Program APU-
PPT dan Pencegahan Pendanaan Proliferasi Senjata
Pemusnah Massal (PPPSPM) di Sektor Jasa Keuangan
7 Juli 2023 7 Juli 2023
Dissemination of Financial Services Authority Online Training BSIM - Compliance
July 7, 2023 July 7, 2023
Regulation No. 8 of 2023 on Implementation of
AML-CFT Program and Countering Proliferation
Financing (CPF) of Weapons of Mass Destruction
in the Financial Services Sector
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
355
Page 358
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Podcast Juara AML Office Battle: Kami Ikut, Kami Learning Center Bank
Tidak Takut 11 Juli 2023 11 Juli 2023 Sinarmas
Zoom Meeting
AML Office Battle Champion Podcast: We're in, July 11, 2023 July 11, 2023 Bank Sinarmas Learning
We're Not Afraid Center
Learning Center Bank
Elevating Business Together: Synergy Operations 13 Juli 2023 13 Juli 2023 Ruang Irian Lt. 9 Sinarmas
and Support Units July 13, 2023 July 13, 2023 9th floor Irian Room Bank Sinarmas Learning
Center
Learning Center Bank
17 Juli 2023 17 Juli 2023 Sinarmas
Town Hall Q2 - The Winner of Change Pastis Pool Bar Jakarta
July 17, 2023 July 17, 2023 Bank Sinarmas Learning
Center
Ketentuan Tentang Rekening Khusus DHE SDA 26 Juli 2023 26 Juli 2023
Zoom Meeting BSIM - Compliance
Provisions on DHE SDA Special Accounts July 26, 2023 July 26, 2023
Devisa Hasil Ekspor dan Pembayaran Impor
4 Agustus 2023 4 Agustus 2023
Foreign Exchange Proceeds from Export and Online Training BSIM - Compliance
August 4, 2023 August 4, 2023
Import Payment
Learning Center Bank
8 Agustus 2023 8 Agustus 2023 Sinarmas
Branch Internal Control (BIC) Online Training
August 8, 2023 August 8, 2023 Bank Sinarmas Learning
Center
Sosialisasi Penggunaan Aplikasi Pengelolaan
BSIM - Human Capital
Kinerja – Impac 8 Agustus 2023 8 Agustus 2023 Roxy Square - Ruang
Performance & Data
Dissemination of the Use of Performance August 8, 2023 August 8, 2023 Meeting Lt. 3
Management
Management Application -Impac
Proses Underwriting Pembiayaan KPR Primary 9 Agustus 2023 9 Agustus 2023 BSIM-Credit
Roxy Square - Ruang Irian
Underwriting of Primary Mortgage Financing Process August 9, 2023 August 9, 2023 Management
Learning Center Bank
APU-PPT dan Tipologi TPPU TPPT 19 Agustus 2023 19 Agustus 2023 Sinarmas
The Grand Mansion
AML-CFT and Typology of ML-TF August 19, 2023 August 19, 2023 Bank Sinarmas Learning
Center
Learning Center Bank
Podcast: Character is Like a Tree & Reputation 22 Agustus 2023 22 Agustus 2023 Sinarmas
Online Training
Like Its Shadow August 22, 2023 August 22, 2023 Bank Sinarmas Learning
Center
Sosialisasi Penggunaan Aplikasi Pengelolaan
Kinerja – Impac 29 Agustus 2023 29 Agustus 2023
Online Training Bank Sinarmas
Dissemination of the Use of Performance August 29, 2023 August 29, 2023
Management Application -Impac
Learning Center Bank
5 September 2023 Sinarmas
Podcast Vol. 9: The Next Influencer Simobiplus! 5 September 2023 Online Training
September 6, 2023 Bank Sinarmas Learning
Center
Sosialisasi Penerapan Enhanced Due Diligence
(EDD) untuk Transaksi Letter of Credit
Dissemination of the Implementation of 6 September 2023 6 September 2023 Online Training BSIM - Compliance
Enhanced Due Diligence (EDD) for Letter of Credit
Transaction
Bincang Santai - Buku Basah Pensiunan: Pensiun
Itu Asyik, Asal Persiapan Ciamik Temukan Rahasia Learning Center Bank
Persiapan Pensiun Dari Trainer Mpp Sejak 2017 12 September 2023 12 September 2023 Sinarmas
Roxy Square – Lt. 9
Casual Talk – ‘Buku Basah Pensiunan: Pensiun Itu September 12, 2023 September 12, 2023 Bank Sinarmas Learning
Asyik, Asal Persiapan Ciamik Temukan Rahasia Center
Persiapan Pensiun Dari Trainer Mpp Sejak 2017’
Sosialisasi Identifikasi Beneficial Owner
13 September 2023 13 September 2023
Dissemination of the Identification of Beneficial Online Training BSIM-Compliance
September 13, 2023 September 13, 2023
Owner
Learning Center Bank
22 September 2023 22 September 2023 Sinarmas
Podcast: Deaf Talk Online Training
September 22, 2023 September 22, 2023 Bank Sinarmas Learning
Center
Laporan Tahunan dan Keberlanjutan 2023
356 PT. Bank Sinarmas Tbk.
Page 359
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Learning Center Bank
Podcast: Transformasi - I Will Never Stop Fighting 5 Oktober 2023 5 Oktober 2023 Sinarmas
Online Training
for Indonesia Emas 2045 October 5, 2023 October 5, 2023 Bank Sinarmas Learning
Center
Podcast: Lebih Baik Mencegah Daripada Learning Center Bank
Diinvestigasi 20 Oktober 2023 20 Oktober 2023 Sinarmas
Online Training
Podcast: It's Better to Prevent Than to Be October 20, 2023 October 20, 2023 Bank Sinarmas Learning
Investigated Center
Learning Center Bank
9 November 2023 9 November 2023 Sinarmas
Agile Leadership Ritz Calton Bali
November 9, 2023 November 9, 2023 Bank Sinarmas Learning
Center
Open Class: Menjadi Pribadi yang Kreatif dan Learning Center Bank
Inovatif di Era Persaingan 15 November 2023 15 November 2023 Sinarmas
Online Training
Open Class: Becoming a Creative and Innovative November 15, 2023 November 15, 2023 Bank Sinarmas Learning
Person in the Era of Competition Center
Sosialisasi Mengenai Enhancement Pega SCF 22 November 2023 22 November 2023 BSIM - Credit
Zoom Meeting
Dissemination of Pega SCF Enhancement November 22, 2023 November 22, 2023 Administration & Control
Learning Center Bank
Podcast: Menjelajahi Dampak Positif AI 23 November 2023 23 November 2023 Sinarmas
Online Training
Podcast: Exploring positive impact of AI November 23, 2023 November 23, 2023 Bank Sinarmas Learning
Center
UKMR Refreshment - Mengelola Risiko Reputasi Learning Center Bank
dan Mengelola Risiko Kepatuhan 23 November 2023 23 November 2023 Sinarmas
Online Training
UKMR Refreshment - Managing Reputation Risk November 23, 2023 November 23, 2023 Bank Sinarmas Learning
and Managing Compliance Risk Center
UKMR Refreshment - Pengelolaan Risiko
Kepatuhan dalam Efektivitas Pengelolaan Risiko Learning Center Bank
Hukum dan Reputasi 23 November 2023 24 November 2023 Sinarmas
Online Training
UKMR Refreshment - Managing Compliance Risk November 23, 2023 November 24, 2023 Bank Sinarmas Learning
in the Effectiveness of Legal and Reputation Risk Center
Management
UKMR Refreshment - Antisipasi Kondisi Eksternal
terhadap Rencana Bisnis Bank Terkait Risiko Learning Center Bank
Kepatuhan & Risiko Hukum 24 November 2023 24 November 2023 Sinarmas
Online Training
UKMR Refreshment - Anticipate External November 24, 2023 November 24, 2023 Bank Sinarmas Learning
Conditions on Bank Business Plans Related to Center
Compliance Risks & Legal Risks
Learning Center Bank
UKMR Refreshment - Managing Compliance &
27 November 2023 27 November 2023 Sinarmas
Legal Risk in the Challenging Era for Banking Online Training
November 27, 2023 November 27, 2023 Bank Sinarmas Learning
Industry
Center
UKMR Refreshment - Accelerating Inclusive
Learning Center Bank
Digital Economy Transformation And 1 Desember 2023 1 Desember 2023
Online Training Sinarmas
Sustainability Economic Growth (and Impact on December 1, 2023 December 1, 2023 Bank Sinarmas Learning
Risk Based Bank Rating and Risk Appetite) Center
Learning Center Bank
Bedah Buku: The Icarus Deception 6 Desember 2023 6 Desember 2023 Roxy Square - Ruang Bali Sinarmas
Book Review: The Icarus Deception December 6, 2023 December 6, 2023 Roxy Square – Bali Room Bank Sinarmas Learning
Center
Learning Center Bank
Training Data Protection Officer 11 Desember 2023 12 Desember 2023 Roxy Square - Ruang Bali Sinarmas
Data Protection Officer Training December 11, 2023 December 12, 2023 Roxy Square – Bali Room Bank Sinarmas Learning
Center
Learning Center Bank
Hc House Blend: Personal Branding -
15 Desember 2023 15 Desember 2023 Sinarmas
How to Go Viral & Make Passive Income from Roxy Square – Lr. 9
December 15, 2023 December 15, 2023 Bank Sinarmas Learning
Social Media
Center
Refreshment APU-PPT dan PPPSPM
19 Desember 2023 19 Desember 2023 Online Training BSIM - Compliance
Refreshment of AML-CFT and CPF
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
357
Page 360
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pelatihan Eksternal Satuan Kerja Kepatuhan
External Training of the Compliance Work Unit
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Sosialisasi Implementasi dan Sertifikasi
ISO 27001 5 Januari 2023 5 Januari 2023
Online Training Skypro Teknologi
Dissemination of Implementation and Certification January 5, 2023 January 5, 2023
of ISO 27001
Kepatuhan Refreshment 6 Januari 2023 6 Januari 2023
Online Training Arfaidhams Secret
Refreshment Compliance January 6, 2023 January 6, 2023
OJK: Outlook Industri Jasa Keuangan di Tahun
10 Januari 2023 10 Januari 2023 Otoritas Jasa Keuangan
2023 Zoom Meeting
January 10, 2023 January 10, 2023 Financial Services Authority
OJK: Outlook of Financial Services Industry in 2023
Implementasi, Dokumentasi, dan Pengujian
Control Testing 17 Januari 2023 18 Januari 2023 Prospero Learning
Online Training
Implementation, Documentation, and Examination January 17, 2023 January 18, 2023 Academy
of Control Testing
OJK: Tren Perbankan di Tahun 2023 17 Januari 2023 17 Januari 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Banking Trend in 2023 January 17, 2023 January 17, 2023 Financial Services Authority
Lembaga Pengembangan
Urgensi Perpanjangan Kebijakan Restrukturisasi
Perbankan Indonesia (LPPI)
Kredit 19 Januari 2023 19 Januari 2023
Zoom Meeting Indonesia's Banking
The Urgency of Extending Credit Restructuring January 19, 2023 January 19, 2023
Development Institute
Policy
(LPPI)
Pusat Pelaporan dan
Wujudkan Ekonomi Hijau Dan Mendukung Analisis Transaksi
Pemilu Sebagai Sarana Integrasi Bangsa 19 Januari 2023 19 Januari 2023 Keuangan (PPATK)
Online Training
Creating a Green Economy and Support Elections January 19, 2023 January 19, 2023 The Indonesian Financial
as a Means of National Integration Transaction Reports and
Analysis Center (INTRAC)
20 Januari 2023 20 Januari 2023
UKMR Refreshment Online Training Maisa Edukasi
January 20, 2023 January 20, 2023
Penerapan GRC Terintegrasi untuk Tata Kelola dan
Meningkatkan Pengelolaan Risiko yang Lebih Baik 24 Januari 2023 24 Januari 2023 Institute of Internal
Zoom Meeting
Implementation of Integrated GRC for Governance January 24, 2023 January 24, 2023 Auditors Indonesia (IIAI)
and Improving Better Risk Management
Implementasi Data Privacy Regulation dan
Asosiasi Sistem
Penyampaian Virtual Background 27 Januari 2023 27 Januari 2023
Zoom Meeting Pembayaran Indonesia
Implementation of Data Privacy Regulation and January 27, 2023 January 27, 2023
(ASPI)
Virtual Background Delivery
OJK: Implementasi Artificial Intelligence di
Industri Jasa Keuangan 2 Februari 2023 2 Februari 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Implementation of Artificial Intelligence in February 2, 2023 February 2, 2023 Financial Services Authority
Financial Services Industry
Pusat Pelaporan dan
Koordinasi Terkait Rencana Implementasi Aplikasi Analisis Transaksi
Goaml Versi 5.2 9 Februari 2023 9 Februari 2023 Keuangan (PPATK)
Zoom Meeting
Coordination on the Implementation Plan for the February 9, 2023 February 9, 2023 The Indonesian Financial
Goaml Application Version 5.2 Transaction Reports and
Analysis Center (INTRAC)
OJK: Sosialisasi Aplikasi Pelaporan Online OJK
(APOLO) Modul Profesi Keuangan AP/KAP
14 Februari 2023 14 Februari 2023 Otoritas Jasa Keuangan
OJK: Dissemination of OJK’s Online Reporting Zoom Meeting
February 14, 2023 February 14, 2023 Financial Services Authority
Application (APOLO) PA/PAF Financial Profession
Module
Lembaga Pengembangan
Peran BPR Pasca UU P2SK Untuk Memperkuat
Perbankan Indonesia (LPPI)
Perekonomian Nasional 23 Februari 2023 23 Februari 2023
Zoom Meeting Indonesia's Banking
The Role of BPRs After P2SK Law to Strengthen February 23, 2023 February 23, 2023
Development Institute
the National Economy
(LPPI)
OJK: The Role of GRC in Supporting Financial 23 Februari 2023 23 Februari 2023 Otoritas Jasa Keuangan
Zoom Meeting
Sector Performance February 23, 2023 February 23, 2023 Financial Services Authority
Laporan Tahunan dan Keberlanjutan 2023
358 PT. Bank Sinarmas Tbk.
Page 361
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
OJK: Sosialisasi Ketentuan Kementerian
Keuangan 24 Februari 2023 24 Februari 2023
Zoom Meeting Otoritas Jasa Keuangan
OJK: Dissemination of Ministry of Finance February 24, 2023 February 24, 2023
Regulations
OJK: Prospek Insurtech di Indonesia 2023 2 Maret 2023 2 Maret 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Prospect of Insurtech in Indonesia 2023 March 2, 2023 March 2, 2023 Financial Services Authority
OJK: Role of Financial Service Sector on 8 Maret 2023 9 Maret 2023 Otoritas Jasa Keuangan
Online Training
Countering the Financing of Terrorism Regime March 8, 2023 March 9, 2023 Financial Services Authority
UKMR Level 1 8 Maret 2023 9 Maret 2023
Online Training Arfaidhams Secret
Level 1 UKMR March 8, 2023 March 9, 2023
Forum Komunikasi
Identifikasi Transaksi Keuangan Mencurigakan dan Direktur Kepatuhan
Penentuan Tindak Pidana Asal 13 Maret 2023 14 Maret 2023 Perbankan (FKDKP)
Zoom Meeting
Identification of Suspicious Financial Transactions March 13, 2023 March 14, 2023 Forum for Banking
and Determination of Predicate Criminal Offenses Compliance Director
(FKDKP)
Program Mentoring Berbasis Risiko
(PROMENSISKO) TPPU dan TPPT pada Korporasi
dan NPO/Ormas Disalahgunakan Sebagai Sarana Pusat Pelaporan dan
Pendanaan Terorisme Tahun 2023 kepada Pihak Analisis Transaksi
Pelapor dan Asosiasi 15 Maret 2023 16 Maret 2023 Keuangan (PPATK)
Online Training
ML and TF Risk-Based Mentoring Program March 15, 2023 March 15, 2023 The Indonesian Financial
(PROMENSISKO) for Companies and NPOs/ Transaction Reports and
Organizations Abused as a Means of Terrorism Analysis Center (INTRAC)
Financing in 2023 for Reporting Parties and
Associations
OJK: Pemanfaatan Analisis Big Data dalam
Meningkatkan Kinerja Industri Jasa Keuangan 30 Maret 2023 30 Maret 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: the Use of Big Data Analysis in Improving March 30, 2023 March 30, 2023 Financial Services Authority
Financial Services Industry Performance
Pusat Pelaporan dan
Peran Strategis Profesi Analis Transaksi Keuangan
Analisis Transaksi
dalam Mengungkap Kejahatan Keuangan
4 April 2023 4 April 2023 Keuangan (PPATK)
Berisiko Tinggi Zoom Meeting
April 4, 2023 April 4, 2023 The Indonesian Financial
The Strategic Role of Financial Transaction Analyst
Transaction Reports and
Profession in Revealing High Risk Financial Crimes
Analysis Center (INTRAC)
Pusat Pelaporan dan
Gerakan Nasional 21 Tahun Rezim APU-PPT
Analisis Transaksi
Peran Strategis Profesi Analis Transaksi Keuangan
4 April 2023 4 April 2023 Keuangan (PPATK)
National Movement 21 Years of AML-CFT Regime Zoom Meeting
April 4, 2023 April 4, 2023 The Indonesian Financial
Strategic Role of the Financial Transaction Analyst
Transaction Reports and
Profession
Analysis Center (INTRAC)
Pusat Pelaporan dan
Seminar Gerakan Nasional 21 Tahun Rezim APU Analisis Transaksi
PPT 4 April 2023 4 April 2023 Keuangan (PPATK)
Zoom Meeting
Seminar of the National Movement 21 Years of April 4, 2023 April 4, 2023 The Indonesian Financial
AML-CFT Regime Transaction Reports and
Analysis Center (INTRAC)
OJK: Anti-Money Laundering in Digital Era: 6 April 2023 6 April 2023 Otoritas Jasa Keuangan
Online Training
Lesson Learned Form Selected Countries April 6, 2023 April 6, 2023 Financial Services Authority
Lembaga Pengembangan
Perbankan Indonesia (LPPI)
Lesson Learned Kasus Silicon Valley Bank (SVB) 6 April 2023 6 April 2023
Zoom Meeting Indonesia's Banking
Lesson Learned from Silicon Valley Bank April 6, 2023 April 6, 2023
Development Institute
(LPPI)
OJK: Mengatasi Tantangan dan Menghadapi
Perubahan dalam Sektor Jasa Keuangan 13 April 2023 13 April 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Overcoming Challenges and Facing Change April 13, 2023 April 13, 2023 Financial Services Authority
in the Financial Services Sector
OJK: Keuangan Syariah Membangun Negeri 14 April 2023 14 April 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Sharia Finance to Develop the Nation April 14, 2023 April 14, 2023 Financial Services Authority
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
359
Page 362
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Pusat Pelaporan dan
Analisis Transaksi
Oversight and Asset Recovery on Green Financial
17 April 2023 17 April 2023 Keuangan (PPATK)
Crimes and Transnational Laundering on High- Zoom Meeting
April 17, 2023 April 17, 2023 The Indonesian Financial
risk Predicate Crimes in Indonesia
Transaction Reports and
Analysis Center (INTRAC)
Sosialisasi Peraturan Menteri Keuangan No. 41
Tahun 2023 tentang Pajak Pertambahan Nilai atas
Penyerahan Agunan yang Diambilalih oleh Kreditur
5 Mei 2023 5 Mei 2023 Kementerian Keuangan
kepada Pembeli Agunan Zoom Meeting
May 5, 2023 May 5, 2023 Ministry of Finance
Dissemination of Minister of Finance Regulation
No. 41 of 2023 on Value Added Tax on Submission
of Collateral by Creditors to Collateral Buyers
8 Mei 2023 8 Mei 2023
ISO 27701 Lead Auditor Zoom Meeting CBQA Global Indonesia
May 8, 2023 May 8, 2023
OJK : Peluang Metaverse di Industri Jasa Keuangan
11 Mei 2023 11 Mei 2023 Otoritas Jasa Keuangan
OJK: Metaverse Opportunities in the Financial Zoom Meeting
May 11, 2023 May 11, 2023 Financial Services Authority
Services Industry
16 Mei 2023 16 Mei 2023 Otoritas Jasa Keuangan
OJK: Fundamental of Wealth Management Zoom Meeting
May 16, 2023 May 16, 2023 Financial Services Authority
OJK: Rapat Dengar Pendapat atas Rancangan
Surat Edaran Otoritas Jasa Keuangan tentang Tata
Cara Penggunaan Jasa Akuntan Publik dan Kantor
Akuntan Publik dalam Kegiatan Jasa Keuangan 19 Mei 2023 19 Mei 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Hearing Meeting on Draft Financial Services May 19, 2023 May 19, 2023 Financial Services Authority
Authority Circular on Procedures for Using
the Services of Public Accountants and Public
Accounting Firms in Financial Services Activities
Anti Pencucian Uang dan Pencegahan Pendanaan
Terorisme (APU-PPT) Advance Class 21 Mei 2023 21 Mei 2023
Zoom Meeting Wahana Insan Prima
Anti-money laundering and counter-terrorist May 21, 2023 May 21, 2023
financing (AML-CTF) Advance Class
Identifikasi Transaksi Keuangan Mencurigakan dan
Forum Komunikasi
Penentuan Tindak Pidana Asal 22 Mei 2023 23 Mei 2023
Zoom Meeting Direktur Kepatuhan
Identification of Suspicious Financial Transactions May 22, 2023 May 23, 2023
Perbankan (FKDKP)
and Determination of Predicate Criminal Offenses
OJK: Memperkuat Ketahanan Nasional di Industri
Jasa Keuangan 22 Mei 2023 22 Mei 2023 Otoritas Jasa Keuangan
Online Training
OJK: Strengthening National Resilience in the May 22, 2023 May 23, 2023 Financial Services Authority
Financial Services Industry
Training Identifikasi Transaksi Keuangan
Mencurigakan dan Penentuan Indikasi Tindak
Forum Komunikasi
Pidana Asal 22 Mei 2023 23 Mei 2023
Zoom Meeting Direktur Kepatuhan
Training of the Identification of Suspicious May 22, 2023 May 23, 2023
Perbankan (FKDKP)
Financial Transactions and Determination of
Predicate Criminal Offenses
Ikatan Akuntan Indonesia
(IAI)
27 Mei 2023 12 Agustus 2023
In Class Training Brevet C MOI Kelapa Gading Institute of Indonesia
May 27, 2023 August 12, 2023
Chartered Accountants
(IAI)
OJK: Membangun Keyakinan Nasabah Aset
Digital dari Risiko Siber 30 Mei 2023 30 Mei 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Building Confidence of Digital Asset May 30, 2023 May 30, 2023 Financial Services Authority
Customer from Cyber Risk
OJK: Pembahasan Perkembangan Digitalisasi
Tabungan Anak (DTA) Usia Pelajar di Indonesia 7 Juni 2023 7 Juni 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Discussion on the Development of Digitalization June 7, 2023 June 7, 2023 Financial Services Authority
of Child Savings (DTA) for Student in Indonesia
OJK: Dampak Penerapan Cloud Computing di
Industri Jasa Keuangan 8 Juni 2023 8 Juni 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Impact of the Implementation of Cloud June 8, 2023 June 8, 2023 Financial Services Authority
Computing in Financial Services Industry
Laporan Tahunan dan Keberlanjutan 2023
360 PT. Bank Sinarmas Tbk.
Page 363
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Ikatan Sarjana Ekonomi
Perlindungan Konsumen terhadap Kejahatan Indonesia (ISEI)
12 Juni 2023 12 Juni 2023
Keuangan Digital Zoom Meeting Indonesian Bachelor of
June 12, 2023 June 12, 2023
Consumer Protection against Digital Financial Crime Economics Association
(ISEI)
Ikatan Sarjana Ekonomi
Webinar Dampak Penerapan Cloud Computing di
Indonesia (ISEI)
Industri Jasa Keuangan 12 Juni 2023 12 Juni 2023
Online Training Indonesian Bachelor of
Webinar of Impact of the Implementation of June 12, 2023 June 12, 2023
Economics Association
Cloud Computing in Financial Services Industry
(ISEI)
OJK: How to Manage Climate-related Risk in 15 Juni 2023 15 Juni 2023 Otoritas Jasa Keuangan
Zoom Meeting
Banking Industry June 15, 2023 June 15, 2023 Financial Services Authority
OJK: Mengenal Lebih Jauh Pengaturan UU P2SK
Dalam Rangka Penguatan Sektor Perbankan 22 Juni 2023 22 Juni 2023 Otoritas Jasa Keuangan
Online Training
OJK: Know More About the P2SK Law in order to June 22, 2023 June 22, 2023 Financial Services Authority
Strengthen the Banking Sector
OJK: Permintaan Tanggapan dan Undangan
Rapat Dengar Pendapat atas Rancangan
Peraturan Otoritas Jasa Keuangan tentang
Layanan Digital oleh Bank Umum 3 Juli 2023 3 Juli 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Request for Response and Invitation to July 3, 2023 July 3, 2023 Financial Services Authority
Hearing Meeting on Draft of Financial Services
Authority Regulation on Digital Services by
Commercial Banks
Sosialisasi Peraturan Otoritas Jasa Keuangan No. 8
Tahun 2023 tentang Penerapan Program APU-PPT
dan PPPSPM di Sektor Jasa Keuangan Konfirmasi
6 Juli 2023 6 Juli 2023 Otoritas Jasa Keuangan
Dissemination of Financial Services Authority Zoom Meeting
July 6, 2023 July 6, 2023 Financial Services Authority
Regulation No. 8 of 2023 on Implementation of
the AML-CTF and CPF Program in the Financial
Services Sector Confirmation
6 Juli 2023 6 Juli 2023 Roxy Square - Ruang
Blockchain Implementation in Financial Sector Nanovest
July 6, 2023 July 6, 2023 Meeting Lt. 3
20 Juli 2023 20 Juli 2023 Mindset Motivasi
Staying Focus Online Training
July 20, 2023 July 20, 2023 Indonesia
OJK: Mengenal Lebih Jauh Pengaturan UU P2SK
Dalam Rangka Penguatan Sektor Pasar Modal 20 Juli 2023 20 Juli 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Know More About the P2SK Law in Order to July 20, 2023 July 20, 2023 Financial Services Authority
Strengthen the Capital Markets Sector
Bedah Buku OJK Institute 2023: Embracing Inner
Strength - Nurturing Minds, Healing Hearts 25 Juli 2023 25 Juli 2023 Otoritas Jasa Keuangan
Online Training
Book Review of OJK Institute 2023- Embracing July 25, 2023 July 25, 2023 Financial Services Authority
Inner Strength - Nurturing Minds, Healing Hearts
Embracing Inner Strength: Nurturing Minds, 25 Juli 2023 25 Juli 2023 Otoritas Jasa Keuangan
Zoom Meeting
Healing Hearts July 25, 2023 July 25, 2023 Financial Services Authority
Refreshment Kepatuhan 27 Juli 23 27 Juli 23
Online Training Arfaidhams Secret
Compliance Refreshment July 27, 2023 July 27, 2023
Implementation Personal Data Protection in 1 Agustus 2023 2 Agustus 2023 Ignite (Pijar Edukasi
Roxy Square - Ruang Irian
Developing Digital Services August 1, 2023 August 2, 2023 Teknologi)
OJK: Sosialisasi Peraturan Otoritas Jasa Keuangan
No. 9 Tahun 2023 tentang Penggunaan Jasa
Akuntan Publik dan Kantor Akuntan Publik
dalam Kegiatan Jasa Keuangan 1 Agustus 2023 1 Agustus 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Dissemination of Financial Services Authority August 1, 2023 August 1, 2023 Financial Services Authority
Regulation No. 9 of 2023 on the Use of Public
Accounting Services and Public Accounting Firms
in Financial Services Activities
OJK: Sosialisasi Puncak Kegiatan Hari Indonesia
Menabung 2 Agustus 2023 2 Agustus 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Dissemination of the Main Activity of August 2, 2023 August 2, 2023 Financial Services Authority
Indonesia Savings Day
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
361
Page 364
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
OJK: Waspada Modus Penipuan Gaya Baru 3 Agustus 2023 3 Agustus 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Beware of New Style Fraud Modes August 3, 2023 August 3, 2023 Financial Services Authority
Sosialisasi Undang-Undang No. 4 Tahun 2023
tentang Pengembangan dan Penguatan Sektor
3 Agustus 2023 3 Agustus 2023 Kementerian Keuangan
Keuangan Zoom Meeting
August 3, 2023 August 3, 2023 Financial Services Authority
Dissemination of Law No. 4 of 2023 on Development
and Strengthening of the Financial Sector
OJK: Mengenal Lebih Jauh Pengaturan UU P2SK
Dalam Rangka Penguatan Industri Keuangan
Non-Bank (IKNB) 10 Agustus 2023 10 Agustus 2023 Otoritas Jasa Keuangan
Online Training
OJK: Know More About the Regulations on P2SK August 10, 2023 August 10, 2023 Financial Services Authority
Law in Strengthening Non-Bank Financial Industry
(IKNB)
OJK: Mengenal Lebih Jauh Pengaturan UU P2SK
Dalam Rangka Penguatan Sektor Perbankan 10 Agustus 2023 10 Agustus 2023 Otoritas Jasa Keuangan
Online Training
OJK: Know More about P2SK Law in Strengthening August 10, 2023 August 10, 2023 Financial Services Authority
Banking Industry
Swift Forum 2023 Indonesia the Future of 15 Agustus 2023 15 Agustus 2023
Zoom Meeting Swift
Payment: Instant and Frictionless August 15, 2023 August 15, 2023
OJK: Leadership in Changing Atmosphere 24 Agustus 2023 24 Agustus 2023 Otoritas Jasa Keuangan
Online Training
August 24, 2023 August 24, 2023 Financial Services Authority
Learning Center Bank Ditentukan oleh Learning
25 Agustus 2023 26 Agustus 2023 Sinarmas Center
Islamic Treasury
August 25, 2023 August 26, 2023 Bank Sinarmas Learning Determined by Learning
Center Center
Sosialisasi Workflow Maintenance untuk Bank
Sinarmas 25 Agustus 2023 25 Agustus 2023
Zoom Meeting Nawa Data Solutions
Dissemination of Workflow Maintanance for Bank August 25, 2023 August 25, 2023
Sinarmas
UKMR Refreshment - Security By Design as
25 Agustus 2023 25 Agustus 2023
the Key Foundation for Effective Cyber Risk Hotel Ashley Maisa Edukasi
August 25, 2023 August 25, 2023
Management
26 Agustus 2023 26 Agustus 2023
Training Online Data Protection Officer (DPO) Online Training Icoachchannel (ICC)
August 26, 2023 August 26, 2023
OJK: Diseminasi SRA TPPT 2023-Asosiasi Online
OJK: Dissemination of SRA TPPT (Sectoral 29 Agustus 2023 29 Agustus 2023 Otoritas Jasa Keuangan
Online Training
Risk Assessment-Terrorism Financing Crime) August 29, 2023 August 29, 2023 Financial Services Authority
2023-Online Association
OJK: Enhancing Financial Performance Through 31 Agustus 2023 31 Agustus 2023 Otoritas Jasa Keuangan
Zoom Meeting
Data Analytics August 31, 2023 August 31, 2023 Financial Services Authority
Pusat Pelaporan dan
Bimbingan Teknis - Training for Trainer Terkait Analisis Transaksi
Penerapan Program APU-PPT PPPSPM 7 September 2023 7 September 2023 Keuangan (PPATK)
Online Training
Technical Guidance - Training for Trainers Regarding September 7, 2023 September 7, 2023 The Indonesian Financial
the Implementation of AML-CFT-CPF Program Transaction Reports and
Analysis Center (INTRAC)
OJK: Pemanfaatan Internet of Things (IOT) Di
Industri Jasa Keuangan 14 September 2023 14 September 2023 Otoritas Jasa Keuangan
Online Training
OJK: Utilization of Internet of Things (IOT) in September 14, 2023 September 14, 2023 Financial Services Authority
Financial Services Industry
OJK: Sosialisasi Peraturan Otoritas Jasa Keuangan
tentang Penerapan Tata Kelola bagi Bank Umum
19 September 2023 19 September 2023 Otoritas Jasa Keuangan
OJK: Dissemination of Financial Services Authority Online Training
September 19, 2023 September 19, 2023 Financial Services Authority
Regulations on the Implementation of Governance
for Commercial Banks
OJK: Sosialisasi Puncak Kegiatan Hari Indonesia
Menabung 19 September 2023 19 September 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Dissemination of the Main Activity of September 19, 2023 September 19, 2023 Financial Services Authority
Indonesia Savings Day
Laporan Tahunan dan Keberlanjutan 2023
362 PT. Bank Sinarmas Tbk.
Page 365
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Forum Komunikasi
Identifikasi Transaksi Keuangan Mencurigakan dan Direktur Kepatuhan
Penentuan Tindak Pidana Asal 20 September 2023 20 September 2023 Perbankan (FKDKP)
Online Training
Identification of Suspicious Financial Transactions September 20, 2023 September 20, 2023 Forum for Banking
and Determination of Predicate Criminal Offenses Compliance Director
(FKDKP)
OJK: Peluang dan Tantangan Fintech P2P
Lending di Era Undang-undang Pengembangan
dan Penguatan Sektor Keuangan (UU P2SK) 21 September 2023 21 September 2023 Otoritas Jasa Keuangan
Online Training
OJK: Opportunities and Challenges for Fintech September 21, 2023 September 21, 2023 Financial Services Authority
P2P Lending in the Era of the Financial Sector
Development and Strengthening Law (UU P2SK)
The 1st OJK International Research Forum 2023:
Save the Planet - the Role of Financial Sector to 25 September 2023 25 September 2023 Otoritas Jasa Keuangan
Online Training
Support Carbon Reduction and Electric Vehicles September 25, 2023 September 25, 2023 Financial Services Authority
Development
Sosialisasi Pengenalan Modul Penempatan DHE
SDA pada Aplikasi Simodis 4 Oktober 2023 4 Oktober 2023
Zoom Meeting Bank Indonesia
Dissemination of the Introduction to DHE SDA October 4, 2023 October 4, 2023
Placement Module in Simodis Application
19 Oktober 2023 19 Oktober 2023
Simas Maxi Life Zoom Meeting Sinarmas MSIG Life
October 19, 2023 October 19, 2023
Penguatan Kerangka Hukum Terkait Pencegahan Pusat Pelaporan dan
dan Pemberantasan Pendanaan Proliferasi Analisis Transaksi
Senjata Pemusnah Massal 19 Oktober 2023 19 Oktober 2023 Keuangan (PPATK)
Online Training
Strengthening the Legal Framework Related October 19, 2023 October 19, 2023 The Indonesian Financial
to Preventing and Eradicating Funding for the Transaction Reports and
Proliferation of Weapons of Mass Destruction Analysis Center (INTRAC)
Pusat Pelaporan dan
Sosialisasi Amandemen Ke-2 Peraturan Bersama
Analisis Transaksi
Proliferasi Senjata Pemusnah Massal
19 Oktober 2023 19 Oktober 2023 Keuangan (PPATK)
Dissemination of the 2nd Amendment to the Joint Online Training
October 19, 2023 October 19, 2023 The Indonesian Financial
Regulation on the Proliferation of Weapons of
Transaction Reports and
Mass Destruction
Analysis Center (INTRAC)
OJK: Managing Environmental, Social and 19 Oktober 2023 19 Oktober 2023 Otoritas Jasa Keuangan
Online Training
Governance Risk and Opportunities October 19, 2023 October 19, 2023 Financial Services Authority
23 Oktober 2023 23 Oktober 2023 Efektifpro Knowledge
Audit Internal Refreshment Program Zoom Meeting
October 23, 2023 October 23, 2023 Source
OJK: Kunci Sukses Menciptakan Talenta
Profesional di Sektor Jasa Keuangan 23 Oktober 2023 23 Oktober 2023 Otoritas Jasa Keuangan
Online Training
OJK: The Key to Success in Creating Professional October 23, 2023 October 23, 2023 Financial Services Authority
Talent in the Financial Services Sector
Pusat Pelaporan dan
Pembukaan dan Penutupan Rekening Khusus Analisis Transaksi
Dana Kampanye (RKDK) Pemilu Tahun 2024 26 Oktober 2023 26 Oktober 2023 Keuangan (PPATK)
Online Training
Opening and Closing of the Special Campaign October 26, 2023 October 26, 2023 The Indonesian Financial
Fund Account (RKDK) for the 2024 Election Transaction Reports and
Analysis Center (INTRAC)
Penyampaian Substansi Regulasi Tentang Dana Pusat Pelaporan dan
Kampanye Pemilihan Umum Serentak Tahun 2024 Analisis Transaksi
dengan PPATK, OJK, dan Perbankan 26 Oktober 2023 26 Oktober 2023 Keuangan (PPATK)
Online Training
Submission of Regulatory Substance Concerning October 26, 2023 October 26, 2023 The Indonesian Financial
Campaign Funds for the 2024 Simultaneous Transaction Reports and
General Election with INTRAC, OJK, and Banking Analysis Center (INTRAC)
Diseminasi Hasil Penilaian Indeks Efektivitas Kinerja Pusat Pelaporan dan
dalam Upaya Pencegahan dan Pemberantasan Analisis Transaksi
TPPU/TPPT Tahun 2023 kepada Pihak Pelapor 1 November 2023 1 November 2023 Keuangan (PPATK)
Online Training
Dissemination of Performance Effectiveness Index November 1, 2023 November 1, 2023 The Indonesian Financial
Assessment Results in Efforts to Prevent and Transaction Reports and
Eradicate ML/TF Crimes in 2023 to Reporting Parties Analysis Center (INTRAC)
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
363
Page 366
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Materi Pengembangan Kompetensi Tanggal Mulai Tanggal Selesai Tempat Pelaksanaan Penyelenggara
Competency Development Material Starting Date Ending Date Venue Organizer
Pusat Pelaporan dan
Analisis Transaksi
Indeks Efektivitas Kinerja PPATK 2023 1 November 2023 1 November 2023 Keuangan (PPATK)
Online Training
INTRAC Performance Effectiveness Index 2023 November 1, 2023 November 1, 2023 The Indonesian Financial
Transaction Reports and
Analysis Center (INTRAC)
Undangan Diseminasi Hasil Pengukuran Financial
Pusat Pelaporan dan
Integrity Rating On Money Laundering And Terrorist
Analisis Transaksi
Financing (FIR ON ML/TF) Tahun 2023 Secara Onsite
2 November 2023 2 November 2023 Keuangan (PPATK)
Invitation to Disseminate Results of Financial Offline Training
November 2, 2023 November 2, 2023 The Indonesian Financial
Integrity Rating on Money Laundering and
Transaction Reports and
Terrorist Financing (FIR ON ML/TF) Measurements
Analysis Center (INTRAC)
2023 Onsite
Pusat Pelaporan dan
Diksi #4 Knowledge Sharing with Aatki & Analisis Transaksi
Bermitra PPATK 7 November 2023 7 November 2023 Keuangan (PPATK)
Zoom Meeting
Diction #4 Knowledge Sharing with Aatki & November 7, 2023 November 7, 2023 The Indonesian Financial
Partnering with PPATK Transaction Reports and
Analysis Center (INTRAC)
OJK: Awarding Ceremony & Diseminasi Karya
Riset Ilmiah (Karisma) OJK 2023 7 November 2023 7 November 2023 Otoritas Jasa Keuangan
Online Training
OJK: Awarding Ceremony & Dissemination of November 7, 2023 November 7, 2023 Financial Services Authority
Scientific Research Work (Karisma) OJK 2023
How to Drive Corporate Performance Through 8 November 2023 9 November 2023 Otoritas Jasa Keuangan
Online Training
Accounting Practices November 8, 2023 November 9, 2023 Financial Services Authority
OJK: Seminar Pengawasan Market Conduct dan
Perlindungan Konsumen di Sektor Jasa Keuangan
Pasca Penerbitan POJK No. 6/POJK.07/2022 dan
UU P2SK 10 November 2023 10 November 2023 Otoritas Jasa Keuangan
Zoom Meeting
OJK: Seminar on Market Conduct Supervision November 10, 2023 November 10, 2023 Financial Services Authority
and Consumer Protection in the Financial Services
Sector Post Issuance of POJK No. 6/POJK.07/2022
and P2SK Law
Lembaga Pengembangan
Bursa Karbon dan Peluangnya Bagi Sektor
Perbankan Indonesia (LPPI)
Keuangan Indonesia 21 November 2023 21 November 2023
Zoom Meeting Indonesia's Banking
Carbon Exchange and Opportunities for the November 21, 2023 November 21, 2023
Development Institute
Indonesian Financial Sector
(LPPI)
24 November 2023 24 November 2023
Bancassurance - Upsize Your Sales Zoom Meeting Sinarmas MSIG Life
November 24, 2023 November 24, 2023
Robere Manajemen
Unveiling The Power of Compliance Management 5 Desember 2023 5 Desember 2023
Online Training Indonesia (Robere &
System Based on Iso 37301 for GRC Excellence December 5, 2023 December 5, 2023
Associates)
OJK: Enhancing ESG Through Best Practices in 7 Desember 2023 7 Desember 2023 Otoritas Jasa Keuangan
Zoom Meeting
Accounting December 7, 2023 December 7, 2023 Financial Services Authority
Remunerasi 9 Desember 2023 9 Desember 2023
Zoom Meeting Wahana Insan Prima
Remuneration December 9, 2023 December 9, 2023
BFN 2023: Fintech Talk Bersama MSC 11 Desember 2023 11 Desember 2023
Zoom Meeting Fintech Indonesia
BFN 2023: Fintech Talk with MSC December 11, 2023 December 11, 2023
11 Desember 2023 11 Desember 2023
Google Workspace Online Training PT Eikon Technology
December 11, 2023 December 11, 2023
OJK: Mastering Yourself Optimalkan Potensi Dan
Tingkatkan Kinerja di Era Digital 14 Desember 2023 14 Desember 2023 Otoritas Jasa Keuangan
Online Training
OJK: Mastering Yourself Optimizes Potential and December 14, 2023 December 14, 2023 Financial Services Authority
Improves Performance in the Digital Era
UKMR Refreshment - Mengelola Risiko Kredit
dan Mengelola Risiko Operasional 18 Desember 2023 18 Desember 2023 Raharja Duta Solusindo
Online Training
UKMR Refreshment - Managing Credit Risk and December 18, 2023 December 18, 2023 (RDS)
Managing Operational Risk
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Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities in
Tahun 2023 2023
Organisasi Kepatuhan telah melakukan pengelolaan terhadap The Compliance Organization managed the Bank’s compliance
risiko kepatuhan Bank melalui program dan aktivitas kepatuhan risks through compliance programs and activities in 2023 as
di sepanjang tahun 2023 sebagai berikut. follows.
1. Melakukan review dan analisis terhadap fungsi dan kinerja 1. Reviewed and analyzed the functions and performance of the
Satuan Kerja Kepatuhan guna penguatan Fungsi Kepatuhan Compliance Unit in order to strengthen Compliance Functions
dan struktur organisasi Kepatuhan, melalui : and Compliance organizational structure through:
a. Menyusun dan memantau rencana dan realisasi kerja a. Developed and monitored compliance work plan and
Kepatuhan untuk periode 2023; realization for 2023 period;
b. Mengembangkan sumber daya manusia Satuan Kerja b. Developed Compliance Work Unit human resources
Kepatuhan melalui program capacity building; dan through various capacity building programs; and
c. Memastikan peranan Satuan Kerja Kepatuhan sebagai c. Ensured the role of the Compliance Work Unit as the
second line defenses atau lini kedua pertahanan Bank Bank’s second line defenses in the compliance function
dalam Fungsi Kepatuhan berjalan dengan memadai. runs adequately
2. Terhadap peraturan perundang-undangan baru maupun 2. With regards to new regulations or changes issued by the
perubahan yang diterbitkan oleh Otoritas Jasa Keuangan, Financial Services Authority, Bank Indonesia, and other
Bank Indonesia, dan peraturan perundang-undangan lainnya, relevant legal regulations, including:
antara lain:
a. Melakukan pemantauan dan membuat kajian/analisa a. Conducted monitoring and impact studies/analyses, as
dampak serta menyusun tindak lanjut atas peraturan baru well as formulating follow-up actions for new regulations
maupun perubahan dari Otoritas Jasa Keuangan, Bank or changes from the Financial Services Authority, Bank
Indonesia, dan peraturan perundang-undangan lainnya; Indonesia, and other relevant legal regulations
b. Sosialisasi atas peraturan regulator, kajian/analisa b. Carried out an outreach on regulatory provisions, impact
dampak, dan tindak lanjut disampaikan kepada Unit studies/analyses, and follow-up actions to be communicated
Kerja terkait melalui pertemuan langsung atau media to relevant Work Units through direct meetings or internal
komunikasi internal, maupun disampaikan kepada jajaran communication media, as well as conveyed to the Board of
Direksi, Komisaris, Pejabat Eksekutif, Pimpinan Karyawan Directors, the Board of Commissioners, Executive Officers,
serta seluruh karyawan melalui media komunikasi Employee Leadership, and all employees through internal
internal; dan communication media; and
c. Penyusunan dampak dan tindak lanjut atas peraturan c. Preparation of the impact and follow-up actions on
regulator yang dampaknya signifikan terhadap Bank regulatory provisions that significantly affect the Bank
dilakukan bersama dengan Unit Kerja terkait. was carried out jointly with the relevant Work Units.
3. Terhadap ketentuan internal Bank, antara lain: 3. With regards to the Bank’s internal provision
a. Memantau proses review ketentuan internal Bank untuk a. Monitored review process of the Bank’s internal provisions to
memastikan kesesuaian dengan ketentuan regulator terkini; ensure the compliance with the latest regulatory provisions.
b. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, b. Ensured that all policies, provisions, systems, and
dan prosedur, serta kegiatan usaha yang dilakukan Bank procedures, as well as business activities carried out by the
telah sesuai dengan ketentuan Otoritas Jasa Keuangan, Bank were in line with provisions of the Financial Services
Bank Indonesia, otoritas terkait lainnya dan ketentuan Authority, Bank Indonesia, or other related authorities
peraturan, perundang-undangan, termasuk prinsip and laws and regulations, including sharia principals for
syariah bagi bank umum syariah dan unit usaha syariah; sharia commercial banks and sharia business units;
c. Meningkatkan kontrol risiko serta simplifikasi proses dan c. Enhanced risk controls as well as simplifying processes
jumlah aturan; dan and the number of regulations; and
d. Melakukan pengkajian, review serta menjalankan d. Conducted study, review, and executing advisory
fungsi advisory pada proses pengembangan ketentuan functions in the process of developing internal regulations,
internal, sistem, transaksi, aktivitas, serta produk dan systems, transactions, activities, as well as products and
layanan sebelum ditawarkan kepada nasabah dan/ services before they were offered to customers and/
atau diimplementasikan untuk memastikan kepatuhan or implemented to ensure compliance with applicable
terhadap ketentuan regulator dan peraturan perundang- regulatory provisions and laws.
undangan yang berlaku.
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4. Terhadap pengujian kepatuhan kepada Unit Kerja, antara 4. With regards to compliance testing for Work Units
lain:
a. Melakukan pemeriksaan langsung ke Unit Kerja dan a. Conducted direct inspections to the Work Units and
memberikan opini serta penjelasan terhadap praktik providing opinions and explanations regarding the
yang telah dilakukan oleh Unit Kerja harus sesuai dengan practices carried out by the Work Units must comply with
ketentuan regulator; regulatory provisions;
b. Mengidentifikasi ketentuan-ketentuan regulator yang b. Identified regulatory provisions related to the
terkait dengan pelaksanaan pengujian pada Unit Kerja implementation of testing in Work Units and/or selected
dan/atau aktivitas yang dipilih; dan activities; and
c. Dalam pelaksanaan pengujian kepatuhan pada Unit Kerja c. In term of the implementation of compliance testing on
yaitu memastikan agar kebijakan, ketentuan, sistem, dan Work Units, it should ensure that the policies, regulations,
prosedur serta kegiatan usaha yang dilakukan oleh Bank systems, procedures, and business activities conducted
telah sesuai dengan ketentuan Otoritas Jasa Keuangan by the Bank comply with the provisions of the Financial
dan ketentuan peraturan perundang-undangan, Services Authority and regulatory provisions, including
termasuk prinsip syariah bagi bank umum syariah dan Sharia principles for Islamic commercial banks and Sharia
unit usaha syariah. business units.
5. Meningkatkan kesadaran atas budaya kepatuhan melalui 5. Enhanced awareness of compliance culture through
program kampanye kepatuhan yang dilakukan ke seluruh compliance campaign programs conducted across all Work
Unit Kerja dan jaringan Cabang Bank baik melalui media Units and Bank Branch networks, including through internal
komunikasi internal maupun melalui pelatihan kelas dan communication media and through classroom training and
e-learning, antara lain: e-learning, namely:
a. Kampanye kepatuhan melalui media komunikasi internal a. Compliance campaign through internal communication
dalam bentuk compliance info (Co.in) dengan bentuk media in the form of Compliance Info (Co.in) with
infografis yang bertujuan untuk memberikan refreshment infographic format aimed to provide refreshing and easily
peraturan perundang-undangan yang menarik dan understandable updates on regulations;
mudah dipahami;
b. Kampanye kepatuhan lainnya dilakukan oleh Unit Anti b. Another compliance campaign is conducted by the
Penyuapan melalui media komunikasi internal yaitu dalam Anti-Corruption Unit through internal communication
bentuk kampanye Anti Penyuapan yang diberikan kepada media, namely in the form of Anti-Corruption Campaign
seluruh karyawan sebagai wujud pencegahan tindakan provided to all employees as a form of prevention against
penyuapan maupun gratifikasi di dalam lingkungan Bank bribery and gratification actions within the Bank Sinarmas
Sinarmas; dan environment; and
c. Melakukan pelatihan, sosialisasi, dan advisory meeting c. Organized training, outreach, and advisory meeting
terkait aktivitas kepatuhan termasuk sosialisasi related to compliance activities including outreach on the
ketentuan-ketentuan eksternal terkini ke seluruh jajaran latest external provisions to all levels of organization of
organisasi Bank. the Bank.
6. Memantau komitmen Bank kepada regulator atas temuan hasil 6. Monitored the Bank’s commitement to regulator on findings
pemeriksaan dan pemenuhan tindak lanjut komitmen yang of examination and ensured follow-up actions that the Bank
harus dilakukan Bank dengan cara, antara lain: must undertake by:
a. Melakukan pemantauan pemenuhan komitmen- a. Monitored the Bank’s compliance with commitments to
komitmen Bank ke regulator dan penerapan kepatuhan regulators and overall compliance implementation across
pada umumnya di seluruh jajaran organisasi Bank; dan all levels of the Bank’s organization; and
b. Melakukan koordinasi dengan Unit Kerja terkait untuk b. Coordinated with relevant Work Units to fulfill
pemenuhan komitmen tindak lanjut audit regulator commitments for regulator audit follow-ups, including
termasuk pelaksanaannya. their implementation.
7. Melakukan review dan penyempurnaan terhadap penerapan 7. Reviewed and improved the implementation of GCG,
GCG, antara lain: including:
a. Menerapkan prinsip-prinsip keterbukaan, akuntabilitas, a. Implemented the principles of transparency,
pertanggungjawaban, independensi, dan kewajaran agar accountability, responsibility, independence, and fairness
terciptanya tata kelola yang baik di Bank Sinarmas; to establish good governance at Bank Sinarmas;
b. Menyampaikan Laporan Tata Kelola Bank maupun b. Delivered Bank Governance Reports as well as the Financial
Konglomerasi Keuangan dan Laporan Kepatuhan Conglomerate Reports and Integrated Compliance
Terintegrasi telah disusun dan dilaporkan tepat waktu Reports that had been prepared and submitted in a timely
sesuai ketentuan regulator; dan manner according to regulatory requirements;
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c.Memperkuat diskusi, komunikasi dan sosialisasi sebagai c. and Strengthened discussions, communication, and
salah satu bentuk pengawasan atas penerapan tata dissemination as a form of oversight over the implementation
kelola dan Kepatuhan pada Konglomerasi Keuangan of governance and compliance within the Sinar Mas Financial
Sinar Mas di mana Bank Sinarmas sebagai Entitas Utama Conglomerate, where Bank Sinarmas serves as the Main Entity
yang menjalankan fungsi untuk mendorong peningkatan responsible for promoting the improvement and deepening of
dan pendalaman kualitas tata kelola dan kepatuhan pada governance and compliance quality across all members of the
seluruh anggota Konglomerasi Keuangan Sinar Mas. Sinar Mas Financial Conglomerate.
8. Melakukan penerapan kepatuhan prinsip syariah dalam hal: 8. Carried out the implementation of sharia principal
complinance in:
a. Melakukan pemantauan dan pengawasan atas pelaksanaan a. Monitored and supervisedthe implementation of
fungsi kepatuhan terhadap prinsip syariah pada unit usaha compliance functions towards Sharia principles in Sharia
syariah melalui Rapat Dewan Pengawas Syariah yang business units through Sharia Supervisory Board meetings
diselenggarakan minimal 1 kali dalam 1 bulan; held at least once a month.
b. Kesiapan Operasional Bank Nano Syariah dalam rangka b. Operational Readiness of Bank Nano Syaria in the spin off
progress spin off Unit Usaha Syariah (UUS) Bank Sinarmas: progress of Sharia Business Unit (UUS) of Bank Sinarmas:
1) Perizinan dan operasional terkait Bank Indonesia; 1) Licensing and operational regarding Bank Indonesia;
2) Kesiapan IT; 2) IT readiness;
3) Kesiapan akunting; 3) Accounting Readiness;
4) Kesiapan kantor pusat dan cabang; 4) Headquarters and branch readiness;
5) Kesiapan produk dan layanan; 5) Products and services readiness;
6) Sosialisasi ke nasabah dan karyawan; serta 6) Outreach to customers and employees; and
7) Kesiapan regulatory reporting. 7) Regulatory reporting readiness.
9. Pengelolaan potensi risiko dan/atau risiko kepatuhan dengan 9. Managed potential risks and/or compliance risks effectively,
baik yang diharapkan dapat meminimalisasi dampak risiko sedini aiming to minimize the impact of risks as early as possible by
mungkin dengan memberikan mitigasi risikonya, antara lain: providing their mitigation, including:
a. Melakukan pemantauan terhadap rasio-rasio kepatuhan
dan rasio prudential banking, antara lain: a. Monitored compliance ratios and prudential banking
1). Batas maksimum pemberian kredit (BMPK); ratios, among others:
2). Leverage ratio (LR); 1) Legal lending limit (BMPK);
3). Liquidity coverage ratio (LCR); 2) Leverage ratio (LR);
4). Net stable funding Ratio (NSFR); 3) Liquidity coverage ration (LCR);
5). Capital adequacy ratio (CAR); 4) Net stable funding ratio (NSFR);
6). Loan to deposit ratio (LDR); 5) Capital Adequacy ratio (CAR);
7). Non-performing loan (NPL); 6) Loan to deposit ratio (LDR);
8). Giro wajib minimum (GWM); 7) Non-performing loan (NPL);
9). Posisi devisa neto (PDN); 8) Statutory Reserve Requirement
b. Pemenuhan sertifikasi kepatuhan bagi sumber daya 9) Net open position (PDN);
manusia yang terdapat di Satuan Kerja Kepatuhan di b. Fulfillment of compliance certification for human resources
mana sertifikasi kepatuhan dilakukan untuk memastikan, within the Compliance Work Unit, where compliance
memelihara dan memberikan jaminan bahwa pemegang certification was carried out to ensure, maintain, and
sertifikat menguasai bidang kepatuhan perbankan, begitu guarantee that certificate holders possess expertise in
pula dengan pemenuhan sertifikasi manajemen risiko bagi banking compliance, as well as the fulfillment of risk
sumber daya manusia di Satuan Kerja Kepatuhan dalam management certification for human resources within the
mengelola risiko kepatuhan agar terciptanya penerapan Compliance Work Unit in managing compliance risks to
tata kelola yang baik; dan establish good governance implementation; and
c. Melakukan pemantauan sanksi berupa denda yang c. Monitored sanctions in the form of fines imposed by
diterima dari regulator dengan berupaya melakukan regulators, making efforts to mitigate risks to prevent
mitigasi risiko agar tidak terulang kembali. recurrence.
10. Melakukan rangkaian aktivitas terkait implementasi program 10. Conducted a series of activities related to the implementation
Anti Pencucian Uang (APU), Pencegahan Pendanaan Terorisme of the Anti-Money Laundering (AML), Counter Terrorism
(PPT), dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Financing (CTF), and Counter Proliferation Financing (CPF)
Massal (PPPSPM), antara lain: programs, including:
a. Implementasi system API channel integration, a. Implementation of API channel integration system,
implementasi beneficial owner pada core banking, implementation of beneficial owner in core banking,
implementasi data quality & updating Otoritas Jasa implementation of data quality & updating to Financial
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keuangan, Implementasi pemisahan System EDM Nano Services Authority, Implementation of separation of EDM
Bank dari Konvensional, implementasi report election Nano Bank System from Conventional, implementation of
(Pemilu & Pilkada), implementasi self-assessment tools election reports (elections & local elections), implementation
branch, implementasi compliance system modul audit & of self-assessment tools for branches, implementation
sanksi/pemenuhan regulasi, penerapan quality assurance of compliance system modules for audit & sanctions/
(QA), pengadaan disaster recovery Center system Nano regulatory compliance, application of quality assurance
Bank, maintenance UI/UX reporting system. (QA), procurement of Nano Bank system disaster recovery
center, maintenance of UI/UX reporting system.
b. Melakukan pemantauan terhadap ketentuan Regulator dan b. Monitored compliance with Regulatory provisions and
peraturan perundang-undangan APU-PPT dan PPPSPM yang AML-CTF and CPF applicable laws and regulations, as well
berlaku serta melakukan analisa dampak terhadap regulasi as conducting impact analysis on current regulations related
terkini terkait penerapan program APU-PPT dan PPPSPM. to the implementation of AML-CTF and CPF programs.
c. Menyusun, melakukan pengkinian, dan mengusulkan c. Developed, updated, and proposed policies, procedures,
kebijakan dan prosedur serta ketentuan internal terkait and internal regulations related to the implementation of
penerapan program APU-PPT dan PPPSPM. AML-CTF and CPF programs.
d. Melakukan pemantauan dan pengujian terhadap d. Monitored and tested the implementation of AML-CTF
penerapan peraturan perundangan-undangan APU-PPT and CPF laws and regulations impacting the Bank at
dan PPPSPM yang berdampak pada Bank pada unit-unit Bank’s operational units and branches.
kerja Bank dan cabang.
e. Secara kontinu melakukan sosialisasi/pelatihan (ketentuan e. Continuously conducted dissemination/training (on
baru maupun refreshment) berkaitan dengan penerapan new regulations as well as refreshment) related to the
program APU-PPT dan PPPSPM, baik melalui media tatap implementation of AML-CTF and CPF programs, both
muka secara langsung maupun online, guna meningkatkan through face-to-face and online media, to enhance
pemahaman seluruh karyawan Bank dalam penerapan the understanding of all Bank employees in the
program APU-PPT dan PPPSPM. implementation of AML-CTF and CPF programs.
f. Kampanye terkait penerapan APU-PPT dan PPPSPM f. Carried out campaigns related to the implementation
melalui media komunikasi internal dalam bentuk of AML-CTF and CPF programs through internal
compliance info (Co.in) dengan bentuk infografis yang communication media in the form of Compliance Info
bertujuan untuk memberikan refreshment ketentuan (Co.in) with infographic format aimed at providing
yang menarik dan mudah dipahami. refreshing and easily understandable regulations.
g. Melakukan review kepatuhan atas ketentuan internal, g. Reviewed internal provisions, processes, transactions,
proses, transaksi, aktivitas, operasional, sistem, aktivitas activities, operations, systems, activities, as well as
serta produk dan layanan Bank, guna memastikan Bank products and services, to ensure compliance with
kepatuhan terhadap ketentuan APU-PPT dan PPPSPM applicable AML-CTF and CPF regulations.
yang berlaku.
h. Menganalisis secara berkala penilaian risiko Tindak Pidana h. Periodically analyzed risk assessments of Money
Pencucian Uang, Tindak Pidana Pendanaan Terorisme dan Laundering, Terrorism Financing, and Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal terkait Financing related to customers, countries or geographic
dengan Nasabah, negara atau area geografis, produk, areas, products, services, transactions, or distribution
jasa, transaksi atau jaringan distribusi (delivery channels). networks (delivery channels).
i. Supervisi, koordinasi, pemantauan serta evaluasi i. Supervised, coordinated, monitored, and evaluated AML-
kepatuhan APU-PPT dan PPPSPM Bank termasuk UUS, CTF and CPF compliance for the Bank, including Sharia
Bank Kustodian dan Wali Amanat serta LJK Terintegrasi. Business Units, Custodian Banks, Trustees, and Integrated
Financial Services Institutions.
j. Memastikan pemeliharaan dan pengkinikan Daftar Terduga j. Ensured the maintenance and updated of the List of
Teroris dan Organisasi Teroris (DTTOT), Daftar Pendanaan Suspected Terrorists and Terrorist Organizations (LSTTO),
Proliferasi Senjata Pemusnah Massal (DPPSPM), serta daftar the List of Proliferation Financing of Weapons of Mass
pantau (watchlist) lainnya untuk kepentingan program Destruction (LPF-WMD), as well as other watchlists for the
APU-PPT dan PPPSPM serta memastikan identifikasi dan purposes of AML-CTF and CPF programs, and ensuring the
pemeriksaan daftar-daftar dimaksud terhadap database identification and examination of these lists against the Bank’s
nasabah Bank, baik sebelum proses pembukaan hubungan customer database, including prior to the establishment of
usaha, secara ad hoc maupun secara berkala. business relationships, ad hoc, and periodically.
k. Memantau dan melakukan analisa terhadap transaksi k. Monitored and analyzed customers’ abnormal
abnormal nasabah. transactions.
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l. Melaporkan Transaksi Keuangan Mencurigakan (LTKM), l. Reported Suspicious Financial Transactions (LTKM), Cash
Transaksi Keuangan Tunai (LTKT), Transaksi Keuangan Financial Transactions (LTKT), Fund Transfer Transactions
Transfer Dana Dari dan ke Luar Negeri (LTKL) serta Laporan from and to Abroad (LTKL), as well as New Customer
Nasabah baru melalui Sistem Informasi Pengguna Jasa Reports through the Integrated Customer Information
Terpadu (SIPESAT) ke PPATK. System (SIPESAT) to INTRAC.
m. Secara kontinu melakukan monitoring pengkinian data m. Continuously monitored the updating of customer data,
Nasabah, di mana rencana dan realisasi pengkinian data where the plans and realization of updating customer
Nasabah tersebut dilaporkan secara tahunan ke Otoritas data were reported annually to the Financial Services
Jasa Keuangan. Authority.
n. Menyusun dan menyampaikan laporan APU-PPT dan n. Compiled and submitted AML-CTF and CPF reports through
PPPSPM melalui sistem bantu APOLO kepada Otoritas Jasa the APOLO support system to the Financial Services Authority
Keuangan secara semesteran serta menindaklanjuti hasil semi-annually and followed up on customer screening
screening nasabah terhadap DTTOT dan DPPSPM melalui results against the LSTTO and LPF-WMD through the SIGAP
sistem bantu SIGAP kepada Otoritas Jasa Keuangan. support system to the Financial Services Authority.
o. Menindaklanjuti permintaan terkait APU-PPT dan PPPSPM o. Followed up on requests related to AML-CTF and CPF
dari Regulator dan Aparat Penegak Hukum (APGAKUM). from regulators and law enforcement agencies.
p. Melaksanakan pengawasan atas kuantitas Laporan p. Conducted supervision over the quantity of Cash Financial
Transaksi Keuangan Tunai (LTKT), Laporan Transaksi Transaction Reports (LTKT), Reports of Fund Transfer
Keuangan Transfer Dana dari dan ke Luar Negeri Transactions from and to Abroad (LTKL), and Suspicious
(LTKL) dan Laporan Transaksi Keuangan Mencurigakan Financial Transaction Reports (LTKM), and supervised
(LTKM) dan pengawasan atas kualitas pelaporan LTKM the quality of LTKM reporting and monitoring alerts to
dan Pemantauan alert guna memitigasi risiko dalam mitigate risks in the prevention of money laundering,
pencegahan tindak pidana pencucian uang, tindak pidana terrorism financing, and proliferation financing of
pendanaan terorisme, dan pendanaan proliferasi senjata weapons of mass destruction, thus strengthening the
pemusnah massal sehingga dapat memperkuat fungsi oversight function of the implementation of AML-CTF
pengawasan penerapan program APU-PPT dan PPPSPM. and CPF programs.
Peta Jalan Fungsi Kepatuhan Compliance Function Roadmap
Organisasi kepatuhan memiliki visi, misi, dan objektif menjaga The compliance organization has a vision, mission, and objectives
keseimbangan antara aspek kepatuhan, komersial, dan inovasi to maintain a balance of compliance, commercial, and innovation
guna mendorong pertumbuhan bisnis Bank yang sehat dan aspects to drive healthy and sustainable business growth for
berkelanjutan. Bank melakukan penguatan organisasi kepatuhan the Bank. The Bank continuously strengthens the compliance
secara berkesinambungan melalui peta jalan fungsi kepatuhan. organization through a compliance function roadmap.
Bank berkomitmen untuk memenuhi ketentuan dan standar The Bank is committed to fulfilling healthy banking regulations
praktik perbankan yang sehat dengan menerapkan strategi and standards by implementing compliance risk management
manajemen risiko kepatuhan. Setiap pimpinan di seluruh unit strategies. Each leader in all Bank units is directly responsible for
kerja Bank bertanggung jawab langsung terhadap pelaksanaan compliance implementation in their respective units, including
kepatuhan di unitnya masing-masing, termasuk memastikan ensuring corrective measures for non-compliance and supervising
langkah-langkah koreksi atas ketidakpatuhan dan pengawasan the implementation of these corrective actions.
terhadap pelaksanaan tindakan korektif tersebut.
Rencana Strategis 2024 Strategic Plan 2024
Rencana strategis yang telah ditetapkan Satuan Kerja Kepatuhan The strategic plans that have been determined by the Compliance
untuk direalisasikan di tahun 2024, yakni: Work Unit to be realized in 2024 include:
1. Memperkuat organisasi kepatuhan dengan mengembangkan 1. Strengthening compliance organization by developing human
sumber daya manusia (SDM) unit kepatuhan melalui program- resources (HR) of compliance unit through capacity building
program capacity building, seperti pelatihan, seminar atau programs such as training, seminar or workshop that can
workshop yang dapat meningkatkan hard skill maupun soft improve both hard skill and soft skill of the employees;
skill karyawan;
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2. Mendukung unit bisnis dalam mengimplementasikan Rencana 2. Supporting business units in implementing the Bank Product
Penyelenggaraan Produk Bank (RPPB) dalam pengembangan Management Plan (RPPB) in the development of new or
produk bank baru atau lanjutan dengan memberikan opini continued bank products by providing compliance opinions
kepatuhan terkait dengan perijinan yang harus dilakukan; related to the necessary licenses.
3. Membuat sistem aplikasi untuk pendokumentasian peraturan 3. Creating an application system for documenting new
baru (Otoritas Jasa Keuangan, Bank Indonesia, dan PPATK) regulations (Financial Services Authority, Bank Indonesia, and
dan pengajuan produk baru (Aplikasi e-library); INTRAC) and proposing new products (e-library application).
4. Secara berkelanjutan meningkatkan kesadaran dan 4. Continuously enhancing awareness and compliance culture
budaya kepatuhan melalui program Kampanye Kepatuhan through a more intensive Compliance Campaign program to
(Compliance Campaign) yang lebih intensif ke seluruh unit all work units and branch networks of the Bank, both through
kerja dan jaringan cabang Bank baik melalui media komunikasi internal communication media and classroom training as well
internal maupun pelatihan kelas dan e-learning; as e-learning.
5. Melaksanakan Pengujian Kepatuhan (Compliance Testing) 5. Conducting Compliance Testing on Bank units, focusing on
pada unit-unit kerja Bank yang akan difokuskan pada unit internal control units and specific business units based on
pengendalian internal dan unit bisnis tertentu berdasarkan compliance risk analysis to ensure compliance with regulatory
analisis risiko kepatuhan untuk memastikan pemenuhan requirements in the activities of work units and to identify
kepatuhan atas ketentuan regulator yang berlaku pada and escalate issues related to compliance requiring strategic
aktivitas unit kerja serta mengidentifikasi dan mengeskalasi and prompt action to address compliance weaknesses to
isu-isu terkait dengan kepatuhan Bank yang memerlukan management.
penetapan langkah strategis dan cepat untuk mengatasi
kelemahan masalah kepatuhan kepada manajemen;
6. Membangun pengadaan Sistem teknologi informasi sesuai 6. Building the procurement of Information Technology Systems
perencanaan roadmap dalam mendukung API screening, according to the planned roadmap to support API screening,
pemantauan, dan pelaporan kepada regulator sebagai monitoring, and reporting to regulators as part of the
penerapan APU-PPT dan PPPSPM; implementation of AML-CTF and CPF.
7. Peningkatan pengawasan atas kuantitas Laporan Transaksi 7. Enhancing supervision over the quantity of Cash Financial
Keuangan Tunai (LTKT), Laporan Transaksi Keuangan Transfer Transaction Reports (LTKT), Reports of Fund Transfer
Dana dari dan ke Luar Negeri (LTKL), dan Laporan Transaksi Transactions from and to Abroad (LTKL), and Suspicious
Keuangan Mencurigakan (LTKM). Hal ini dapat memitigasi Financial Transaction Reports (LTKM). This can mitigate risks
risiko dalam pencegahan Tindak Pidana Pencucian Uang in preventing Money Laundering (ML) crimes, preventing
(TPPU), Tindak Pidana Pendanaan Terorisme (TPPT), dan Terrorism Financing Crimes (TF), and Proliferation Financing
Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM) of Weapons of Mass Destruction (CPF), thus strengthening
sehingga dapat memperkuat fungsi pengawasan penerapan the oversight function of implementing the AML-CTF and CPF
program APU-PPT dan PPPSPM. programs.
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Legal Group
Legal Group
Seiring dengan meningkatnya kompleksitas bisnis, Bank As business complexity increases, Bank Sinarmas assigns a Legal
Sinarmas menugaskan Legal Group untuk mengidentifikasi serta Group to identify and mitigate potential legal risks arising from
mengurangi risiko hukum yang mungkin timbul dari kegiatan the Bank’s activities. Legal Group operates under the Compliance
usaha Bank. Legal Group berada di bawah Direktorat Compliance & Risk Management Directorate, alongside several other units.
& Risk Management, bersama dengan beberapa unit kerja lainnya.
Fungsi yang dijalankan unit ini sangat penting, antara lain: The functions carried out by this unit is crucial, among others:
1. Tindakan Pencegahan (Preventive) 1. Preventive Actions
a. Legal Review a. Legal Review
Identifikasi risiko hukum dalam rangka tindakan dan Identification of legal risks in the actions and decisions
keputusan yang diambil oleh Bank, baik dalam rangka taken by the Bank, both in term of extending credit
pemberian fasilitas kredit, maupun kerja sama dengan facilities and in collaborations with other parties;
pihak lain;
b. Legal Advice b. Legal Advice
Diskusi interaktif dengan seluruh unit kerja Bank dalam Interactive discussions with all units of the Bank are
rangka pemberian opini hukum dan bantuan hukum conducted to provide legal opinions and legal assistance
secara langsung terhadap peristiwa hukum dan/atau directly regarding legal events and/or legal issues faced by
permasalahan hukum yang sedang dihadapi oleh Bank; the Bank.
c. Legal Awareness c. Legal Awareness
Dalam rangka meningkatkan legal awareness di seluruh In order to improve legal awareness throughout Bank
Cabang Bank Sinarmas, Legal Group melakukan Sinarmas branches, the Legal Group conducts an annual
action plan tahunan bersama-sama dengan Unit Kerja action plan together with the Customer Identification
Pengenalan Nasabah (UKPN), Service Quality dan Anti-Fraud Unit (UKPN), Service Quality, and Anti-Fraud Unit by
melalui pemberian materi pengantar hukum dasar dan providing introductory materials on basic legal principles
pembahasan legal cases yang dihadapi oleh setiap cabang. and discusses legal cases faced by each branch. Basic legal
Pembekalan pengetahuan hukum dasar ini diberikan kepada knowledge is imparted to operational officers (Regional
pejabat-pejabat operasional (Regional Operation Manager, Operation Manager, Head of Operation, Supervisor,
Head of Operation, Supervisor, Branch Internal Control, Branch Internal Control, Teller, and Customer Service).
Teller, dan Customer Service). Pejabat-pejabat tersebut These officers are expected to possess strong competency
diharapkan dapat memiliki kompetensi dan pemahaman and understanding of basic legal principles to mitigate or
hukum dasar yang cukup kuat untuk dapat memitigasi minimize the emergence of legal issues.
ataupun meminimalisir timbulnya permasalahan hukum;
d. Legal Knowledge d. Legal knowledge
Legal Group bekerja sama dengan Learning Center The Legal Group collaborates with Learning Center
untuk memberikan materi pembekalan mengenai hukum to present introductory material related to law and its
dan permasalahannya kepada peserta Management issues to participants of the Management Development
Development Program (MDP) dan Corporate Banking Program (MDP) and Corporate Banking Development
Development Program (CBDP). Legal Group juga Program (CBDP). The Legal Unit also provides training
memberikan materi pada training refreshment yang materials during refreshment training sessions conducted
dilakukan bersama dengan unit kerja lainnya. Selain with other units. In addition, Legal Group also cooperates
itu, Legal Group juga bekerja sama dengan Corporate with Corporate Secretary to provide materials on law that
Secretary untuk memberikan materi mengenai hukum will be displayed in the News Lens that can be accessed by
yang akan ditampilkan pada Lensa Berita yang dapat all employees of Bank Sinarmas;
diakses oleh seluruh karyawan Bank Sinarmas;
e. Legal Drafting e. Legal Drafting
Melakukan drafting atas Perjanjian dan/atau dokumen- Drafting of Agreement and/or documents including
dokumen antara lain namun tidak terbatas pada but not limited to Cooperation Agreement, Lease
Perjanjian Kerja Sama, Perjanjian Sewa Menyewa dan/ Agreements, and/or the Board of Directors’ Power of
atau Surat Kuasa Direksi; Attorney;
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f. Legal Resume f. Legal Resume
Suatu dokumen tertulis yang merupakan pemeriksaan A written document which is an audit of the legality data
atas data-data legalitas calon/atau debitur yang meliputi of a candidate/or debtor which includes legal subjects,
subyek hukum, perizinan, dan jaminan sebelum dilakukan permits, guarantees prior to binding credit and/or
pengikatan kredit dan/atau pengikatan jaminan; collateral.
2. Menangani Permasalahan Hukum 2. Handling of Legal Issues
Legal Group mewakili perusahaan berdasarkan Surat Kuasa The Legal Group represents the company based on Power
untuk melakukan perbuatan hukum di luar pengadilan, seperti of Attorney to perform legal actions outside the court, such
pendampingan untuk perkara perdata maupun pidana serta as providing legal assistance for civil and criminal cases, and
memberikan laporan kepada pimpinan perusahaan untuk reporting to the Company’s management on the progress of
setiap perkembangan perkara yang sedang ditanganinya; each case being handled;
3. Melakukan Review Kinerja Pihak Ketiga 3. Reviewing the Performance for Third Party
Legal Group melakukan review secara berkala terhadap The Legal Group periodically reviews the performance of
kinerja pihak ketiga dalam penyelesaian dokumen kredit dan the third party in settlement of loan documents and other
dokumen terkait lainnya; relevant documents;
4. Membina Hubungan Baik 4. Establishing Good Relationship
Legal Group senantiasa mengedepankan hukum dan menjalin The Legal Group always prioritizes the law and maintains
hubungan baik dengan instansi dan regulator dalam rangka good relationship with other agencies in the framework
penegakan hukum atas penanganan permasalahan hukum of law enforcement in handling legal issues faced by Bank
yang dihadapi oleh Bank Sinarmas; dan Sinarmas; and
5. Penguatan kompetensi personel Legal Group Bank Sinarmas 5. Strengthening Competence
dipilih berdasarkan latar belakang pendidikan hukum The Legal Group personnel of Bank Sinarma are selected
(minimal S1 Hukum). Upaya penguatan dan peningkatan based on their educational background in law (minimum
profesi legal terus dilakukan oleh Perseroan, dengan Bachelor’s degree in Law). The Company continues its efforts
melakukan workshop atau training secara berkala. Salah to strengthen and enhance legal profession by conducting
satu bentuk penguatan kompetensi adalah melakukan rapat workshops or training sessions periodically. One form of
kerja setiap tahun dengan seluruh legal kantor wilayah dan competency reinforcement is holding annual meetings with
mengundang Unit Kerja Corporate Secretary, Unit Kerja all legal regional offices and inviting the Corporate Secretary
Loan Recovery Group dan Unit Kerja terkait lainnya. Dalam Unit, Loan Recovery Group, and other relevant units. These
rapat kerja tersebut turut diundang Pengacara dan Notaris meetings also include invitations to lawyers and notaries to
untuk memberikan pandangan hukum serta diskusi untuk provide legal insights and engage in discussions to enhance
menambah pengetahuan mengenai dinamika hukum yang knowledge about the dynamics of the law.
terjadi.
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Perkara Penting yang Dihadapi
Significant Cases
Perkara hukum yang dihadapi Bank di sepanjang tahun 2023, In 2023, the Bank faced a number of legal cases as follows.
yakni:
Permasalahan Hukum Perdata (Bank sebagai Tergugat)
Legal Issue Civil (Bank as Defendant)
Unit Usaha Konvensional Unit Usaha Syariah
Business Unit Conventional Sharia Business Unit
Tahun / Year 2023 2022 2023 2022
Perkara yang telah Selesai (Mempunyai Kekuatan Hukum Tetap)
5 8 - 1
Cases that have been resolved (Having Binding Legal Force)
Perkara dalam Proses Penyelesaian (posisi Desember 2023)
7 4 2 1
Cases in the Settlement Process (as of December 2023)
Permasalahan hukum yang dihadapi Bank tidak memberikan The legal issues faced by the Bank do not have a significant impact
pengaruh signifikan terhadap kondisi Bank. on the condition of the Bank.
Perkara Penting yang Dihadapi Direksi Dan Important Cases Faced by the Board of
Dewan Komisaris Directors and the Board of Commissioners
Dewan Komisaris maupun anggota Direksi Bank Sinarmas tidak The Board of Commissioners and the Board of Directors of Bank
menghadapi perkara hukum baik perdata maupun pidana Sinarmas did not face any legal cases, both civil and criminal,
sepanjang tahun 2023. throughout 2023.
Permasalahan Hukum Perdata Pidana
Legal Issue Civil Criminal
Perkara yang telah Selesai (Mempunyai Kekuatan Hukum Tetap) Nihil Nihil
Cases that have been resolved (Having Binding Legal Force) None None
Perkara dalam Proses Penyelesaian (posisi Desember 2023) Nihil Nihil
Cases in the Settlement Process (as of December 2023) None None
Sanksi Administratif Administrative Sanctions
Selama tahun 2023, tidak terdapat sanksi administratif yang Throughout 2023, there were no material administrative sanctions
material kepada Bank, anggota Dewan Komisaris dan anggota imposed on the Bank, members of the Board of Commissioners,
Direksi oleh Otoritas Jasa Keuangan dan otoritas lainnya, yang and members of the Board of Directors by the Financial Services
memengaruhi kelangsungan usaha Bank maupun sanksi yang Authority and other authorities, which affected the Bank’s business
berdampak kepada Manajemen Bank. continuity or sanctions impacting the Bank’s Management.
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Keterbukaan Informasi
Disclosure of Information
Bank Sinarmas mewujudkan kepatuhan terhadap prinsip GCG Bank Sinarmas implements compliance with the principles of
dengan menyampaikan keterbukaan informasi sesuai ketentuan Good Corporate Governance (GCG) by providing information
peraturan perundang-undangan. Sepanjang tahun 2023, Bank transparency in accordance with laws and regulations.
telah memenuhi kewajiban terkait keterbukaan informasi melalui Throughout 2023, the Bank fulfilled its obligations on information
berbagai saluran, termasuk media massa, sistem pelaporan transparency through various channels, including mass media,
elektronik ke Otoritas Jasa Keuangan, Bursa Efek Indonesia, situs electronic reporting systems to the Financial Services Authority,
web Bank, serta penyampaian laporan secara berkala maupun the Indonesia Stock Exchange, the Bank’s website, as well as the
insidental kepada regulator. periodic and incidental submission of reports to regulators.
Rincian Pelaksanaan Keterbukaan Informasi
Details of Implementation of Information Disclosure
Perihal Keterangan Jumlah
Subject Description Total
Keterbukaan Informasi atas Laporan Informasi atau Fakta Material Insidental
5
Information Disclosure on Report of Material Information or Facts Incidental
Laporan Bulanan Registrasi Pemegang Efek Rutin
12
Monthly Report of Securities Holders Registration Routine
Laporan Data Hutang Valuta Asing Rutin
12
Report on Foreign Currency Debt Data Routine
Laporan Tahunan Rutin
1
Annual Report Routine
Laporan Keuangan Tahunan Rutin
1
Annual Financial Report Routine
Akses Informasi dan Data Perusahaan
Access to Corporate Information and Data
Bank Sinarmas menyediakan akses informasi bagi seluruh Bank Sinarmas provides access to information for all stakeholders,
pemangku kepentingan, melalui: through:
Media Sosial
Social Media
Situs web : www.banksinarmas.com
Call Center : 1500153; (021) 501 88888 Bank Sinarmas BankSinarmas
Customer Care : care@banksinarmas.com @BankSinarmas BankSinarmas
E-mail : corporate.secretary@banksinarmas.com @BankSinarmas @banksinarmasofficial
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Sistem Pelaporan Pelanggaran
Whistleblowing System
Bank Sinarmas telah menerapkan sistem pelaporan pelanggaran Bank Sinarmas has implemented a whistleblowing system (WBS)
(whistleblowing system/WBS) sebagai saluran komunikasi bagi as a communication channel for internal and external parties
pihak internal dan eksternal untuk melaporkan tindakan fraud, to report fraud, legal violations, Code of Ethics violations, and/
pelanggaran hukum, Kode Etik, dan/atau benturan kepentingan or conflicts of interest committed by employees or bank leaders.
yang dilakukan oleh karyawan atau pimpinan Bank. Pengaduan Complaints submitted through the WBS must be based on good
yang disampaikan melalui WBS harus didasarkan pada itikad baik faith and may not consist of personal grievances or defamation.
dan tidak boleh berupa keluhan pribadi atau fitnah. Selain itu, Additionally, the WBS is implemented as part of GCG application
WBS dilaksanakan sebagai wujud penerapan GCG agar tercipta to create a clean and accountable work environment
situasi kerja yang bersih dan bertanggung jawab.
Untuk memastikan efektivitas implementasi WBS, Bank telah In order to ensure the effectiveness of WBS implementation, the
menyusun Kebijakan WBS yang disahkan melalui Surat Keputusan Bank has prepared WBS Policy which was ratified in Decision Letter
No. 014/2021/DIR1-DAF pada 22 Februari 2021. Bank juga No. 014/2021/DIR1-DAF on February 22, 2021. The Bank also
mengikuti pedoman dari peraturan Bank Indonesia dan Otoritas Jasa adheres to guidelines from Bank Indonesia and the Financial Services
Keuangan, terutama Otoritas Jasa Keuangan No. 39/POJK.03/2019 Authority, especially Financial Services Authority Regulation No. 39/
tanggal 19 Desember 2019 tentang Penerapan Strategi Anti-Fraud POJK.03/2019 dated December 19, 2019, on the Implementation
bagi Bank Umum. of Anti-Fraud Strategies for Commercial Banks.
WBS Bank Sinarmas dikelola secara mandiri oleh internal Bank The WBS at Bank Sinarmas is managed independently by the
secara Independen dan profesional, di mana petugas yang internal Bank in a professional manner, where the officers
menerima laporan adalah petugas khusus yang ditunjuk langsung receiving reports are special officers directly appointed by
oleh Direktur Utama. Sementara itu, Dewan Komisaris berperan President Director. Meanwhile, the Board of Commissioners plays
aktif dalam pelaksanaan dan pengawasan atas penerapan sistem an active role in implementing and overseeing the application of
pelaporan pelanggaran Bank. Peran aktif yang dilakukan Dewan the Bank's violation reporting system. The active role performed
Komisaris, di antaranya menerima dan mengkaji laporan yang by the Board of Commissioners includes receiving and reviewing
disampaikan Anti-Fraud Management (AFM) sebagai koordinator reports submitted by the Anti-Fraud Management (AFM) as
penanganan whistleblowing melalui Komite Pemantau Risiko the coordinator of whistleblowing handling through the Risk
secara berkala setiap triwulan. Laporan yang disampaikan Monitoring Committee regularly every quarter. The reports
berisikan terkait jumlah laporan yang masuk, yang terbukti submitted contain information regarding the number of reports
dan tidak terbukti, sanksi yang diberikan kepada karyawan bila received, those proven and unproven, sanctions imposed on
terbukti melakukan fraud/pelanggaran, serta tindak lanjut yang employees if proven guilty of fraud/violations, and the follow-up
dilakukan oleh Bank terhadap kasus yang dilaporkan. actions taken by the Bank on reported cases.
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Tujuan dan Manfaat Whistleblowing System Objectives and Benefits of Whistleblowing System
Tujuan Objectives Manfaat Benefits
Sebagai sarana bagi pelapor untuk melaporkan tindakan Tersedianya cara penyampaian informasi penting dan
fraud, pelanggaran kode etik, kebijakan internal Bank kritis bagi perusahaan kepada pihak yang harus segera
Sinarmas lainnya tanpa rasa takut atau khawatir karena menanganinya secara aman.
dijamin kerahasiaannya. Available channels for the timely and secure
As a facility for reporters to report acts of fraud, transmission of important and critical information to
violations of the code of ethics, and other internal the relevant parties within the company who need to
policies of Bank Sinarmas without fear or worry, as address it promptly.
confidentiality is guaranteed.
Tersedianya mekanisme deteksi dini (early warning
Agar indikasi fraud yang terjadi dapat dideteksi dan system) atas kemungkinan terjadinya masalah akibat
dicegah sedini mungkin. suatu pelanggaran.
To immediately detect and prevent indications of fraud Implementation of an early warning system mechanism
as early as possible. to detect potential issues resulting from a violation.
Pengelola Pengaduan WBS Management
Bank Sinarmas telah menunjuk Whistleblowing Officer (WO), seorang petugas yang
secara khusus ditunjuk oleh Direktur Utama untuk mengelola dan menganalisis pengaduan
atau pelaporan yang diterima.
Bank Sinarmas has appointed a Whistleblowing Officer (WO), an officer specifically
designated by the President Director to manage and analyze the complaints or reports
received.
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Alur Penanganan Pengaduan Complaint Handling Flow
Pelapor/whistleblower melakukan laporan WO berkoordinasi dengan Divisi Anti-Fraud, Satuan
pelanggaran melalui sarana pengaduan. WO Kerja Audit Internal, Unit Anti Penyuapan, Divisi
bertugas untuk menerima, menganalisis, HCM, dan kantor cabang. Dalam waktu maksimal 3
menindaklanjuti dan memonitor laporan hari kerja laporan pengaduan wajib sudah diberikan
tersebut. WO akan meminta data tambahan kepada unit kerja terkait. Setiap unit kerja memiliki
kepada pelapor jika diperlukan dalam jangka tugas dan tanggung jawab untuk melakukan deteksi
waktu 10 hari kerja. WO memastikan data yang awal, investigasi, validasi sampai dengan penyelesaian
disampaikan sudah memadai dan memenuhi atas kasus kecurangan ataupun penyimpangan
kriteria. lainnya.
Whistleblowers report violations through the The WO coordinates with the Anti-Fraud Division,
reporting channel. The WO is responsible Internal Audit Work Unit, Anti-Bribery Unit, HCM
for receiving, analyzing, following up, and Division, and branch offices. Within a maximum
monitoring these reports. If necessary, the of 3 working days, the complaint reports must be
WO will request additional data from the forwarded to the relevant units. Each unit is tasked
whistleblower within a period of 10 working with responsibilities for early detection, investigation,
days. The WO ensures that the provided data is validation, and resolution of fraud cases or other
adequate and meets the criteria. deviations.
WO wajib melakukan monitoring dan melaporkan WO akan memberikan informasi terkait status
jumlah pengaduan yang masuk setiap 3 bulan kepada perkembangan pelaporan yang telah diteruskan
Direktur Utama dengan tembusan kepada Direktur ke Unit kerja Investigasi kepada pelapor.
Kepatuhan. Selain itu, WO juga wajib melakukan Perkembangan informasi yang diberikan Unit
dokumentasi penerimaan pelaporan dengan tertib Kerja Investigasi selambat-lambatnya 1 bulan sejak
dan rahasia. tanggal pelaporan.
The WO is required to monitor and report the The WO will provide the reporter with information
number of complaints received every 3 months to regarding the progress status of the report which
the President Director with a copy to the Compliance has been forwarded to the Investigation Work
Director. Additionally, the WO must document the Unit. Development of information provided by the
receipt of reports in an orderly and confidential Investigation Work Unit no later than 1 month from
manner. the reporting date.
Divisi Anti-Fraud akan menyampaikan laporan hasil penanganan pengaduan kepada manajemen berisi kesimpulan, rekomendasi
perbaikan sistem pengendalian intern jika dinilai masih terdapat kelemahan, serta rekomendasi pemberian sanksi kepada petugas
terkait kelemahan yang ditimbulkan. Penanganan dari kasus yang dilaporkan bertujuan untuk memperkuat sistem pengendalian intern
dan memotivasi seluruh pihak/karyawan untuk menghindari kegiatan/transaksi yang dapat berpotensi/berakibat merugikan maupun
mengganggu operasional Bank.
The Anti-Fraud Division will present a report on the handling of complaints to the management containing conclusions,
recommendations for improvement of internal control systems if weaknesses are identified, and recommendations for sanctions
against personnel involved in the weaknesses. Handling of reported cases aims to strengthen the internal control system and motivate
all parties/employees to avoid activities/transactions that may potentially cause harm or disrupt the Bank's operations.
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Bagan Alur Pelaporan Pelanggaran Flowchart of Violation Reporting
Laporan Pelanggaran Menerima Laporan Penyelidikan Status Laporan
Violation Report Receive Report Investigation Report Status
Cara Penyampaian Laporan Pelanggaran How to Submit a Violation Report
Pelapor, baik dari pihak internal maupun eksternal, dapat leblowers from both internal and external parties of the Bank can
menyampaikan laporannya melalui sarana pengaduan dengan submit reports through the complaint channels by complying with
memenuhi ketentuan pelaporan. the reporting requirements.
Sarana Pengaduan Complaint Channels
Situs Web : www.banksinarmas.com Website : www.banksinarmas.com
E-mail : infokan@banksinarmas.com E-mail : infokan@banksinarmas.com
WhatsApp : 0881 1500 153 WhatsApp : 0881 1500 153
Telepon : 0881 1500 153 Telephone : 0881 1500 153
SMS : 0881 1500 153 SMS : 0881 1500 153
Line : 0881 1500 153 Line : 0881 1500 153
Hal-hal yang Harus Dipenuhi oleh Pelapor Information to be Completed by the Whistleblower
Untuk mempermudah dan mempercepat proses tindak lanjut, To simplify and accelerate the follow-up process, the whistleblower
terdapat beberapa hal yang harus dipenuhi oleh pelapor dalam must fulfill these following matters in submitting his/her complaint.
menyampaikan pengaduannya.
1. Memberikan informasi mengenai identitas diri pelapor untuk 1. Providing information on the identity of the whistleblower to
memudahkan komunikasi dengan pelapor, sekurang-kurangnya: facilitate communication with the whistleblower, at least:
a. Nama pelapor (diperbolehkan menggunakan anonim); a. Name of whistleblower (allowed to use anonymous);
b. No. telepon/alamat e-mail yang dapat dihubungi. b. Telephone number/e-mail address that can be contacted.
2. Harus memberikan indikasi awal yang dapat 2. Must provide accountable preliminary indications (5W & 1H),
dipertanggungjawabkan (5W & 1H) yang meliputi: which include:
a. Indikasi/fakta penyimpangan atau pelanggaran yang a. Indications/facts of irregularities & violation occurring
terjadi (What); (What);
b. Pihak yang diindikasikan sebagai pelaku dan/atau pihak b. Parties indicated as perpetrators and/or parties involved
yang terlibat (Who); (Who);
c. Kapan dan di mana terjadinya (When); c. When and where the violation occurred (When);
d. Kenapa penyimpangan/pelanggaran dapat terjadi (Why); d. Why deviations/violations can occur (Why);
e. Modus/cara yang digunakan (How); e. Modes/Means used (How);
f. Potensi kerugian yang diderita oleh Bank (untuk kasus f. Potential losses suffered by the Bank (for cases involving
yang melibatkan aspek finansial); financial aspects);
g. Keterangan/informasi lain yang dianggap perlu, seperti g. Other description/information deemed necessary, such
adanya perubahan sikap/perilaku/gaya hidup maupun as a change in attitude/behavior/lifestyle or consumption
tingkat konsumsi yang diduga atau patut diduga level that is suspected or reasonably suspected to indicate
menunjukkan ketidakwajaran sesuai dengan kemampuan irregularity in accordance with the employee’s ability.
karyawan tersebut.
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3. Laporan yang disampaikan harus berhubungan dengan: 3. Reports submitted must relate to the following:
a. Pelanggaran yang dapat menimbulkan kerugian finansial a. Violation that may cause both financial and non-financial
maupun non-finansial; losses;
b. Pelanggaran hukum; b. Legal violations;
c. Pelanggaran Kode Etik; c. Violation of the Code of Ethics;
d. Pelanggaran benturan kepentingan; d. Violation of conflicts of interest;
e. Pelanggaran lainnya yang dapat dipersamakan dengan itu. e. Other violations thereto.
Perlindungan Bagi Pelapor Protection for Whistleblowers
Bank menjamin perlindungan bagi pelapor, mencakup: The Bank guarantees protection for whistleblowers including:
1. Jaminan kerahasiaan identitas pelapor dan isi laporan yang 1. Guarantee of confidentiality of the whistleblower’s identity
disampaikan; and the content of the reports submitted;
2. Jaminan perlindungan terhadap perlakuan yang merugikan 2. Guarantee of protection against adverse treatment to the
pelapor; dan whistleblower;
3. Jaminan perlindungan dari kemungkinan adanya tindakan 3. Guarantee of protection from the possibility of threats,
ancaman, intimidasi, hukuman ataupun tindakan tidak intimidation, punishment, or other unpleasant actions from
menyenangkan lainnya dari pihak terlapor. the reported party.
Jumlah Pengaduan Number of Complaints
Pada tahun 2023, Bank menerima 4 laporan terkait pengaduan In 2023, the Bank received 4 violation complaint reports from
pelanggaran yang masuk melalui saluran Whistleblowing System, the Whistleblower System channel, either by telephone, e-mail,
baik melalui telepon, e-mail, WhatsApp, dan Line. WhatsApp, and Line.
Status Laporan
Media
Types of Reports
Tahun
Year Telepon Laporan dalam Proses
Laporan yang Selesai
Email SMS Messenger Fraud Non-Fraud Ditindaklanjuti
Telephone Report in Progress
Resolved Reports
2023 3 - - 1 3 1 - 4
Pemberian Sanksi terkait Laporan Imposition of Sanctions Related to the Reports
Berdasarkan laporan terkait indikasi fraud yang disampaikan melalui Based on reports regarding indications of fraud submitted through
WBS selama tahun 2023, Bank telah memberikan sanksi kepada 3 WBS in 2023, the Bank has imposed sanctions on 3 employees
karyawan yang terindikasi melakukan fraud. who were indicated to have committed fraud.
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Kode Etik dan Pedoman Tingkah Laku
Code of Ethics and Code of Conduct
Kode Etik dan Pedoman Tingkah Laku merupakan panduan The Code of Ethics and Code of Conduct serve as a collective
bersama untuk sikap dan perilaku bagi seluruh insan Bank guide for attitudes and behaviors for all individuals at Bank
Sinarmas serta menjadi bagian integral dari kebijakan Sinarmas and are an integral part of the Company’s policies.
perusahaan. Setiap keputusan dan tindakan yang diambil atas Every decision and action taken on behalf of the Company is
nama perusahaan diarahkan oleh standar integritas pribadi dan guided by high standards of personal and professional integrity,
profesional yang tinggi, sesuai dengan ketentuan perundang- in accordance with applicable laws and regulations. Details about
undangan yang berlaku. Detail tentang Kode Etik dan Pedoman Bank Sinarmas’ Code of Ethics and Code of Conduct version 3.0,
Tingkah Laku Bank Sinarmas versi 3.0 yang disusun oleh Divisi prepared by the Organization Development & Industrial Relations
Organization Development & Industrial Relations dan berlaku sejak Division and effective since September 20, 2023, have been
20 September 2023, telah dipublikasikan di situs web Bank pada published on the Bank’s website under the Investor Relations page
laman Hubungan Investor bagian Kebijakan Terkait Tata Kelola. in the Governance-Related Policies section.
Pokok-Pokok Kode Etik dan Principles of Code of Ethics and Code of
Pedoman Tingkah Laku Conduct
Kode Etik dan Pedoman Tingkah Laku Bank Sinarmas menguraikan The Code of Ethics and Code of Conduct of Bank Sinarmas
secara ringkas prinsip, kebijakan, dan peraturan yang mengatur concisely outlines the principles, policies, and regulations
kegiatan Bank yang harus ditaati oleh para karyawan dan pihak governing the Company’s activities as mandatory to be adhered
lain yang bekerja dengan Bank atau yang mewakili Bank secara to by the employees and other parties working with the Bank or
langsung atau tidak langsung sebagaimana tertuang dalam Surat representing the Bank directly or indirectly as stated in Decision
Keputusan No.SK.114/2023/PRESDIR-HCSS tentang Kebijakan Letter No.SK.114/2023/PRESDIR-HCSS on the Code of Ethics and
Kode Etik dan Pedoman Tingkah Laku. Kode Etik dan Pedoman Code of Conduct. Bank Sinarmas Code of Ethics and Code of
Tingkah Laku Bank Sinarmas terdiri dari 9 bagian, yaitu: Conduct consists of 9 sections, as follows:
1. Hubungan dengan Perusahaan; 1. Relationship with the Company;
2. Hubungan dengan Nasabah; 2. Relationship with Customers;
3. Hubungan dengan Rekanan (pemasok/suppliers, vendor, 3. Relationship with Partners (suppliers/vendors, consultants);
konsultan);
4. Hubungan dengan Pesaing; 4. Relationship with Competitors;
5. Hubungan dengan Pemegang Saham; 5. Relationship with Shareholders;
6. Hubungan dengan Regulator; 6. Relationship with Regulators;
7. Hubungan dengan Stakeholder lainnya; 7. Relationship with other Stakeholders;
8. Penerimaan dan pemberian hadiah/bingkisan/kompensasi/ 8. Receiving and giving of gifts/ parcel/ compensation/
hiburan (entertainment); dan entertainment; and
9. Pelaporan atas pelanggaran dan potensi pelanggaran. 9. Reporting of violations and potential violations.
Pengungkapan bahwa Kode Etik dan Pedoman Statement that the Code of Ethics and Code of
Tingkah Laku Berlaku bagi Seluruh Level Conducts Apply to All Organizational Levels
Organisasi
Kode Etik dan Pedoman Tingkah Laku berlaku bagi seluruh insan The Code of Ethics and Code of Conduct apply to all individuals
Bank, termasuk Dewan Komisaris, Direksi, dan seluruh karyawan. within the Bank, including the Board of Commissioners, the
Pihak manajemen Bank Sinarmas dijadikan sebagai panutan Board of Directors, and all employees. The management of Bank
(role model) bagi bawahannya dalam hal kepatuhan pada Kode Sinarmas is set as a role model for their subordinates in terms
Etik dan Pedoman Tingkah Laku. Selain itu, pihak eksternal yang of compliance with the Code of Ethics and Code of Conduct.
berhubungan langsung dengan Bank Sinarmas, wajib mematuhi Additionally, external parties directly related to Bank Sinarmas are
Kode Etik dan Pedoman Tingkah Laku. required to adhere to the Code of Ethics and Code of Conduct.
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Penyebarluasan/Sosialisasi Kode Etik dan Dissemination/Outreach of the Code of Ethics
Pedoman Tingkah Laku and Code of Conduct
Sosialisasi terkait Kode Etik dan Pedoman Tingkah Laku Dissemination of the Code of Ethics and Code of Conduct
disampaikan kepada karyawan mulai dari top management is conveyed to employees from top management down to
sampai dengan level operasional. Bank memanfaatkan berbagai operational levels. The Bank utilizes various media channels,
media yang dimiliki, termasuk pemanfaatan melalui media including the utilization of information technology media
teknologi informasi yang dapat diakses oleh semua karyawan accessible to all employees easily at any time. Additionally, the
dengan mudah setiap saat. Selain itu, Bank juga menyampaikan Bank disseminates the Board of Director’s Decision Letter on the
Surat Keputusan Direksi tentang Kode Etik dan Pedoman Tingkah Code of Ethics and Code of Conduct through the Bank’s website,
Laku melalui situs web Bank, platform e-learning, dan portal e-learning platforms, and Bank Sinarmas portal. Meanwhile, new
Bank Sinarmas. Sementara itu, karyawan baru diwajibkan untuk employees are required to read, understand, and giving consent
membaca, memahami, dan memberikan persetujuan atas Kode to the Code of Ethics and Code of Conducts, while existing
Etik dan Pedoman Tingkah Laku, sedangkan untuk karyawan employees are required to undergo periodic re-freshment through
existing wajib melakukan refreshment secara berkala melalui an e-learning platform.
platform e-learning.
Jenis Sanksi Untuk Setiap Pelanggaran Kode Types of Sanction for any Violation of the Code
Etik dan Pedoman Tingkah Laku of Ethics and Code of Conduct
Sanksi bagi pihak yang terbukti melakukan pelanggaran terkait Sanctions for individuals proven to have violated the Code of
Kode Etik dan Pedoman Tingkah Laku diberikan secara bertahap, Ethics and Code of Conduct are given progressively, starting
mulai dari pemberian Surat Peringatan sampai dengan Pemutusan from issuing a Warning Letter to Termination of Employment
Hubungan Kerja (PHK) sesuai dengan ketentuan dan perundang- (PHK) following applicable laws and regulations. Employees who
undangan yang berlaku. Karyawan yang mengetahui secara sadar consciously become aware of violations related to the Code
terjadinya pelanggaran terkait Kode Etik dan Pedoman Tingkah of Ethics and Code of Conducts but do not re-port them may
Laku namun tidak melaporkannya, dapat dianggap melakukan be considered to be complicit in the wrongdoing and may be
tindakan pembiaran sehingga dapat dikenakan sanksi sesuai subject to sanctions according to applicable internal regulations.
dengan ketentuan internal yang berlaku. Sementara itu, pihak Meanwhile, parties who are harmed, either directly or indirectly
yang dirugikan, baik langsung maupun tidak langsung akibat due to abuse of authority and violations of the Code of Ethics
penyalahgunaan wewenang dan pelanggaran Kode Etik dan and Code of Conduct by employers and/or employees, can report
Pedoman Tingkah Laku oleh pengusaha dan/atau karyawan, dapat them through mechanisms specified in a separate section of the
menyampaikannya melalui mekanisme yang telah diatur dalam Code of Ethics and Code of Conduct.
bagian tersendiri dalam Kode Etik dan Pedoman Tingkah Laku.
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Kebijakan Anti Korupsi
Anti-Corruption Policy
Bank Sinarmas telah mengimplementasikan prinsip-prinsip anti Bank Sinarmas has implemented anti-corruption principles as
korupsi, sebagaimana tertuang dalam pasal-pasal Peraturan outlined in the articles of the Company Regulations, the Code
Perusahaan, Kode Etik dan Pedoman Tingkah Laku, dan SOP of Ethics and Conduct, and the Standard Operating Procedure
Kedisiplinan Karyawan. Untuk menangani praktik korupsi, (SOP) for Employee Discipline. To handle the practices of
balas jasa (kickbacks), fraud, suap, dan/atau gratifikasi, Bank corruption, kickbacks, fraud, bribery, and/or gratification, the
telah menetapkan sejumlah prosedur yang diatur dalam Kode Bank established procedures stipulated in the Code of Ethics and
Etik dan Pedoman Tingkah Laku Versi 2.0. Bank juga telah Code of Conduct Version 2.0. The Bank also formulated business
merumuskan etika bisnis dan perilaku sebagai bagian integral ethics and behavior (code of conducts) as an integral part of its
dari komitmen integritas, yang diiringi dengan pengembangan integrity commitment, accompanied by the development of a risk
sistem manajemen risiko yang disesuaikan dengan menjunjung management system tailored to uphold the principles of prudence
tinggi prinsip kehati-hatian dan GCG. and Good Corporate Governance (GCG).
Pelatihan dan Sosialisasi Training and Dissemination
Bank Sinarmas memiliki komitmen kuat dalam menanamkan Bank Sinarmas has a strong commitment to instilling a risk
budaya sadar risiko (risk culture) dan kepedulian anti-fraud di culture and anti-fraud awareness throughout all layers of the
seluruh lapisan organisasi. Hal ini diwujudkan melalui berbagai organization. This is realized through various efforts, including
upaya, termasuk Sosialisasi Tatap Muka, Pengisian Deklarasi Anti- Face-to-Face Outreach, Filling out the Anti-Fraud Declaration and
Fraud, dan Pakta Integritas melalui aplikasi SIDILAN serta Sosialisasi Integrity Pact through the SIDILAN application, as well as outreach
melalui e-mail, media sosial, Lensa Berita, Kamis Sharing, Podcast, activities through email, social media, Lensa Berita, Kamis Sharing,
E-Learning Video Scorm, artikel situs web Bank Sinarmas, ATM Podcast, E-Learning Video Scorm, articles on the Bank Sinarmas
Idle Screen, AD Desktop, dan metode lainnya. website, ATM Idle Screen, AD Desktop, and other methods.
Pakta Integritas Integrity Pact
Dalam rangka mengembangkan budaya dan kepedulian In order to develop an anti-fraud awareness culture throughout all
anti-fraud di seluruh jenjang organisasi dan sebagai bentuk levels of the organization and as a form of anti-fraud declaration,
pernyataan anti terhadap fraud, maka seluruh Manajemen dan all management and employees require sincere commitment
karyawan memerlukan komitmen yang sungguh-sungguh dari from all levels within PT Bank Sinarmas Tbk. Refer-ring to
seluruh jajaran yang ada pada PT. Bank Sinarmas Tbk. Merujuk Financial Services Authority Regulation No. 39/POJK.03/2019
Peraturan Otoritas Jasa Keuangan No. 39/POJK.03/2019 tanggal dated December 19, 2019 concerning the Implemen-tation of
19 Desember 2019 tentang Penerapan Strategi Anti-Fraud bagi Anti-Fraud Strategy for Commercial Banks, it is stated that the
Bank Umum, disebutkan bahwa penerapan Strategi Anti-Fraud implementation of the Anti-Fraud Strategy is carried out, among
dilakukan antara lain dengan cara menumbuhkan kesadaran other things, by fostering awareness of risks and the importance
atas risiko serta kepedulian dari Budaya Anti-Fraud pada seluruh of Anti-Fraud Culture throughout the Bank's Organizational
Jajaran Organisasi Bank, di antaranya dengan penandatanganan Structure, including through the signing of the Integrity Pact.
Pakta Integritas.
Di saat diperlukannya sebuah komitmen bersama dengan When a collective commitment is needed to demonstrate sincerity
menunjukkan iktikad, baik untuk menumbuhkan Budaya Sadar in fostering Risk Culture and anti-fraud awareness, it is necessary
Risiko (Risk Culture) dan kepedulian Anti-Fraud, maka perlu to implement the signing of the Anti-Fraud Declaration and
kiranya melaksanakan penandatanganan Deklarasi Anti-Fraud Integrity Pact. The signing of the Integrity Pact is car-ried out by
dan Pakta Integritas. Penandatanganan Pakta Integritas dilakukan the Board of Commissioners and the Board of Directors, followed
oleh Dewan Komisaris dan Dewan Direksi yang kemudian diikuti by attestation by all employees. The signing of the Integrity Pact is
atestasi oleh seluruh karyawan. Penandatanganan Pakta Integritas carried out periodically twice a year.
dilakukan secara berkala sebanyak 2 kali dalam 1 Tahun.
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Kebijakan Anti Penyuapan Anti-Bribery Policy
Dalam rangka meningkatkan kesadaran seluruh karyawan untuk In order to increase awareness among all employees to actively
turut serta berupaya mencegah dan menghindari suap, Bank prevent and avoid bribery, Bank Sinarmas has established policies
Sinarmas telah memiliki kebijakan dan/atau standard operating and/or standard operating procedures (SOP) related to the Anti-
procedure (SOP) terkait Sistem Manajemen Anti Penyuapan. Bribery Management System. The Anti-Bribery Program outlined
Adapun Program Anti Penyuapan yang tertuang dalam Kebijakan/ in the Policy/SOP is described as follows.
SOP tersebut diuraikan sebagai berikut.
1. Berkomitmen untuk selalu menjalankan GCG dalam 1. Commit to always implementing Good Corporate Governance
menjalankan dan mengawasi bisnis perusahaan. (GCG) in conducting and overseeing the company's busi-ness.
2. Mematuhi peraturan perundang-undangan dan peraturan 2. Comply with laws and regulations and other regulations
lain terkait anti penyuapan. related to anti-bribery.
3. Menyelaraskan ketentuan Anti Penyuapan dengan visi misi 3. Adjust Anti-Bribery provisions with the vision, mission, and
dan nilai-nilai Bank Sinarmas. values of Bank Sinarmas.
4. Melarang praktik penyuapan di lingkungan Bank 4. Prohibit bribery practices in the Bank's environment related to
berhubungan dengan pekerjaan, untuk menjaga reputasi work, to maintain the Bank's reputation and decision-making
bank dan objektivitas pengambilan keputusan: objectivity.
a. Tidak menoleransi (zero tolerance) segala bentuk korupsi a. Zero tolerance towards all forms of corruption and bribery
dan penyuapan (kepada atau dari; nasabah, relasi, (to or from; customers, relations, partners, regulators,
rekanan, regulator, pejabat pemerintah, Karyawan). government officials, Employees). Violations of this will
Tindak pelanggaran atas hal tersebut akan diproses be processed civilly or criminally according to applicable
secara perdata atau pidana sesuai dengan ketentuan reg-ulations;
yang berlaku;
b. Melarang karyawan untuk menawarkan atau b. Prohibit employees from offering or providing payments
menyediakan pembayaran atau manfaat dalam bentuk or benefits in any form that are unofficial or unusual to
apa pun yang tidak resmi atau tidak lazim kepada pihak other parties authorized in making decisions regarding
lain yang berwenang dalam pengambilan keputusan Bank Sinarmas affairs;
terhadap urusan Bank Sinarmas;
c. Melarang penawaran imbalan kepada nasabah, Karyawan
atau calon nasabah agar mereka berbisnis dengan Bank c. Prohibit offering rewards to customers, Employees, or
Sinarmas; dan prospective customers to do business with Bank Sinarmas;
d. Melaporkan kepada atasan, pendekatan apa pun yang and
dilakukan oleh seseorang atau perusahaan yang diduga d. Report to superiors regarding any approach made by an
bermaksud meminta atau menawarkan imbalan secara individual or company suspected of intending to request
pribadi atau suatu kemudahan khusus lainnya. or offer personal rewards or other special favors.
Pelaksanaan Sistem Manajemen Anti Penyuapan Implementation of Anti-Bribery Management
System
Upaya pencegahan praktik suap yang dilakukan Bank Sinarmas,
yakni: Bank Sinarmas has implemented the following efforts in order to
1. Bank Sinarmas secara berkelanjutan dan berkala menjalankan prevent bribery and corruption-related practices.
Program Awareness untuk peningkatan pemahaman terhadap 1. Bank Sinarmas continuously and periodically carries out the
anti suap dan anti-penyuapan, antara lain melalui seminar, Awareness Program to improve understanding of anti-bribery
pelatihan, sosialisasi, sharing session dan sebagainya; and anti-corruption measures, including through seminars,
training sessions, dissemination, sharing sessions, and so forth.
2. Know Your Customers (KYC), yaitu uji tuntas terhadap (calon) 2. Know Your Customers (KYC), a thorough examination of
nasabah dan mitra usaha. (prospective) customers and business partners.
Dalam melakukan uji tuntas terhadap (calon) nasabah dan In conducting a thorough examination of (prospective) customers
mitra usaha, Bank mempertimbangkan aspek-aspek risiko and business partners, the Bank considers the potential risks
yang bisa jadi muncul dalam membangun hubungan dengan that may arise in establishing relationships with (prospective)
(calon) nasabah dan mitra usaha. Uji tuntas harus memastikan customers and business partners. The examination must ensure
bahwa (calon) nasabah dan mitra usaha yang melaksanakan that (prospective) customers and business partners engaging in
hubungan dengan perusahaan tidak sedang dalam perkara relationships with the Company are not involved in legal cases,
hukum, terlibat penyuapan, kecurangan, pencucian uang bribery, fraud, money laundering, and/or are suspected of having
dan/atau terindikasi memiliki benturan kepentingan. conflicts of interest.
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3. Know Your Employee (KYE), yaitu uji tuntas terhadap calon 3. Know Your Employee (KYE), a thorough examination of both
karyawan maupun kepada karyawan. prospective and current employees.
Salah satu tujuan uji tuntas kepada karyawan dan calon One of the purposes of examining prospective and current
karyawan adalah untuk mengurangi munculnya risiko employees thoroughly is to reduce the risk of conflicts of
benturan kepentingan dalam aktivitas perusahaan. Hal ini interest in the Company’s activities. This is important for the
penting bagi perusahaan agar integritas karyawan tetap Company to ensure the integrity of employees is maintained
terjaga dan di saat yang sama melindungi kepentingan while at the same time protecting the interests of the
perusahaan. Company.
Sosialisasi dan Kampanye Anti Penyuapan Anti-Bribery Dissemination and Campaign
Bank senantiasa melakukan sosialisasi dan Kampanye Anti The Bank always organizes Anti-Bribery dissemination and
Penyuapan kepada seluruh karyawan sebagai upaya mencegah campaign to all employees as an effort to prevent bribery-related
adanya tidak penyuapan maupun gratifikasi di lingkungan Bank. practices and gratification within the Bank.
Pada tahun 2023, Kampanye Anti Penyuapan telah dilaksanakan In 2023, the Anti-Bribery Campaign was conducted 13 times,
sebanyak 13 kali, yang diuraikan sebagai berikut. described as follows:
1. [UAP] Pengenalan Gratifikasi 1. [UAP] Introduction to Gratification
Pemberian gratifikasi pada umumnya tidak ditujukan untuk The provision of gratification is generally not intended to
memengaruhi keputusan Karyawan/Pejabat Bank secara directly influence the decisions of Bank Employees/Officials,
langsung, namun cenderung sebagai “tanam budi” atau but rather tends to be a "gesture of goodwill" or an attempt
upaya menarik perhatian Karyawan/Pejabat Bank, sehingga to gain the attention of Employees/Officials, hence Employ-
Karyawan/Pejabat Bank dilarang menerima gratifikasi yang/tidak ees/Officials are prohibited from receiving gratification that
memengaruhi keputusan Karyawan/Pejabat Bank tersebut. does/not influence their decisions.
2. [UAP] Hindari Tindakan Gratifikasi 2. [UAP] Avoiding Gratification Actions
Karyawan/Pejabat Bank dilarang memberikan dan/atau Employees/Officials of the Bank are prohibited from giving
menerima hadiah termasuk entertainment kepada atau and/or receiving gifts, including entertainment, to or from
dari pihak-pihak lain, termasuk nasabah yang berpotensi other parties, including customers who may potentially
mempengaruhi keputusan Karyawan/Pejabat Bank. influence the decisions of Employees/Officials.
3. [UAP] Kebijakan Pemberian/Penerimaan Hadiah 3. [UAP] Gift Giving/Acceptance Policy
Pemberian/penerimaan hadiah dari pihak lain yang tidak The giving/acceptance of gifts from other parties that cannot
memungkinkan untuk dihindari: be avoided:
a. Karyawan harus melakukan deklarasi secara tertulis a. Employees must make a written declaration to at least 1
kepada minimal 1 level di bawah Direksi, bila yang level below the Board of Directors. If the recipient of the
menerima hadiah adalah karyawan 1 level di bawah gift is an employee 1 level below the Board of Directors,
Direksi, maka penerima hadiah/bingkisan/kompensasi/ then the recipient of the gift/ present/ compensation/
hiburan harus meminta persetujuan tertulis kepada enter-tainment must seek written approval from the
Direktur terkait; related Director;
b. Pemberian hadiah atau hiburan dapat dilakukan b. Giving gifts or entertainment can be done as long as it is
sepanjang untuk membina hubungan baik dengan nilai to foster good relationships with reasonable value; and
wajar; dan
c. Nilai yang dianggap wajar adalah hadiah/pemberian balas c. The value considered reasonable is gifts/rewards whose
jasa yang nilainya tidak melebihi Rp1000.000,-. value does not exceed Rp1000.000,-
4. [UAP] Hindari Gratifikasi Sambut Hari Raya Idul Fitri 1444 H 4. [UAP] Avoid Gratification During Eid al-Fitr 1444 H
Jika terdapat Karyawan/Pejabat Bank yang menerima atau If there are Employees/Officials of the Bank who receive or become
mengetahui adanya penyuapan atau gratifikasi, segera aware of bribery or gratification, immediately report it to the
laporkan kepada Unit Anti Penyuapan. Anti-Bribery Unit.
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5. [UAP] Manfaat Pengendalian Gratifikasi 5. [UAP] Benefits of Gratification Control
a. Manfaat bagi Bank: a. Benefits for the Bank:
1) Membentuk citra positif dan kredibilitas Bank; dan 1) Building a positive image and credibility of the Bank;
2) Mendukung terciptanya lingkungan pengendalian and
yang kondusif dalam pencegahan korupsi. 2) Supporting the implementation of a conducive
b. Manfaat bagi Karyawan: control environment in corruption prevention.
1) Membentuk karyawan yang berintegritas; dan b. Benefits for employees:
2) Meningkatkan kesadaran karyawan untuk menolak 1) Developing employees with integrity; and
gratifikasi. 2) Increasing employee awareness to reject gratification.
c. Manfaat bagi Nasabah c. Benefits for customers
Memperoleh layanan dengan baik tanpa memberikan Obtaining good services without giving gratuities or bribes,
gratifikasi maupun uang pelicin, suap dan pemerasan. kickbacks, and extortion.
6. [UAP] Komitmen Pengendalian Gratifikasi 6. [UAP] Gratification Control Commitment
Komitmen Bank Sinarmas dalam pengendalian gratifikasi, Bank Sinarmas's commitment to gratification control includes:
antara lain: a. Implementing and enforcing gratification control
a. Menerapkan dan melaksanakan fungsi pengendalian functions;
gratifikasi; b. Providing necessary resources for the implementation of
b. Menyediakan sumber daya yang diperlukan dalam gratification control;
pelaksanaan pengendalian gratifikasi; c. Maintaining the confidentiality of the whistleblower's data
c. Menjaga kerahasiaan data pelapor dan memberikan and providing assurance of protection for gratification
jaminan perlindungan bagi pelapor gratifikasi; whistleblower;
d. Mengupayakan pencegahan korupsi dan/atau gratifikasi d. Striving to prevent corruption and/or gratification
yang dianggap suap di lingkungan Bank Sinarmas. considered bribery within the Bank Sinarmas environment.
7. [UAP] Ingin Laporkan Gratifikasi? Lakukan Hal ini 7. [UAP] Want to report gratification? Do this
Pelapor yang menerima gratifikasi, membuat dan Whistleblowers who receive gratification should create and
menyampaikan laporan gratifikasi dengan cara mengisi submit a gratification report by filling out the Gratification
Form Pemberian Gratifikasi yang terdapat pada SOP Sistem Form found in the SOP of the Anti-Bribery Management
Manajemen Anti Penyuapan. System.
8. [UAP] Stop Gratifikasi
Gratifikasi merupakan pemberian dalam arti luas yang 8. [UAP] Stopping gratification
meliputi: Gratification is generally defined as:
a. Pemberian uang;
b. Pemberian barang dan jasa; a. Giving money;
c. Diskon; b. Giving goods and services;
d. Komisi; c. Discounts;
e. Pinjaman tanpa bunga; d. Commissions;
f. Perjalanan wisata (tiket dan/atau penginapan); e. Interest-free loans;
g. Pengobatan cuma-cuma; dan f. Travel (tickets and/or accommodations);
h. Fasilitas Lainnya; g. Free medical treatment; and
yang diterima di dalam negeri maupun di luar negeri dan h. Other facilities;
yang dilakukan dengan menggunakan sarana elektronik received domestically or internationally and conducted
atau tanpa sarana elektronik. through electronic or non-electronic facilities.
9. [UAP] Mengapa Gratifikasi itu Dilarang? 9. [UAP] Why is Gratification Prohibited?
Gratifikasi yang dianggap pemberian suap menunjukkan Gratification, when considered a bribe, indicates that the
bahwa penerimaan gratifikasi yang berhubungan dengan acceptance of gratification is related to one’s position and con-
jabatan dan berlawanan dengan kewajiban atau tugasnya. tradicts their duties or obligations. Based on this, gratification
Berdasarkan hal tersebut, gratifikasi dilarang karena dapat is prohibited because it can encourage Bank Sinarmas em-
mendorong Karyawan Bank Sinarmas bersikap tidak objektif ployees to act in a biased and unprofessional manner, thus
dan tidak profesional, sehingga Karyawan Bank Sinarmas preventing them from performing their duties effectively.
tersebut tidak dapat melaksanakan tugasnya dengan baik.
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10. [UAP] Perlindungan Pelapor Gratifikasi atau Penyuapan 10. [UAP] Protection for Gratification or Bribery Whistleblowers
Bank Sinarmas senantiasa memberikan perlindungan kepada Bank Sinarmas always provides protection to gratification
pelapor gratifikasi atau penyuapan (whistleblower) hingga or bribery whistleblowers and their family members from
ke anggota keluarganya atas tekanan, hak-hak sebagai pressure, employment rights, legal actions, assets, and even
karyawan, gugatan hukum, harta benda, hingga tindakan physical actions from the reported party or any other inter-
fisik dari terlapor dan atau pihak lain yang mempunyai ested parties.
kepentingan.
11. [UAP] Siap Beraksi Berantas Korupsi 11. [UAP] Ready to Act to Fight against Corruption
Korupsi adalah penyelewengan atau penyalahgunaan uang Corruption is the deviation or misuse of state/ corporate/
negara/perusahaan/organisasi/yayasan/dan sebagainya untuk organizational/ foundation funds and so on for personal gain
keuntungan pribadi atau orang lain, sehingga Bank Sinarmas or the benefit of others, therefore Bank Sinarmas is ready to
siap beraksi untuk berantas korupsi. act to fight against corruption.
12. [UAP] Hari Antikorupsi Sedunia 2023 12. [UAP] World Anti-Corruption Day 2023
Bank Sinarmas sebagai salah satu Lembaga Jasa Keuangan Bank Sinarmas, as one of the Financial Services Institutions,
turut serta untuk berpartisipasi memperingati Hari Anti participates in commemorating World Anti-Corruption Day
Korupsi Sedunia (Hakordia) tahun 2023, demi mewujudkan (Hakordia) 2023, to create a work environment free from
lingkungan kerja yang bebas dari korupsi. corruption.
13. [UAP] Sambut Hari raya Natal 2023 dan Tahun Baru 2024 13. [UAP] Welcoming Christmas 2023 and New Year 2024
Tanpa Gratifikasi Without Gratification
Bank Sinarmas berkomitmen untuk senantiasa menjaga Bank Sinarmas is committed to always upholding GCG
prinsip GCG dan menerapkan program pengendalian principles and implementing a gratification and anti-bribery
gratifikasi dan anti penyuapan, termasuk tidak menerima dan/ con-trol programs, including not receiving and/or giving gifts,
atau memberikan hadiah, parsel, bingkisan, maupun bentuk parcels, hampers, or other forms during the Christmas and
lainnya pada saat menjelang Hari Raya Natal dan Tahun Baru. New Year holidays.
Pencegahan Transaksi Orang Dalam (Insider Trading)
Prevention of Insider Trading Transaction
Kebijakan terkait Insider Trading Bank Sinarmas yang tercantum The policy related to Insider Trading of Bank Sinarmas is outlined
dalam Kode Etik dan Tingkah Laku. Ketentuan tersebut mengatur in the Code of Ethics and Code of Conduct. The provisions govern
hal-hal berikut. the following matters.
1. Karyawan tidak boleh melakukan transaksi surat berharga/ 1. Employees are not allowed to engage in securities/stock/forex
saham/forex apabila ia memiliki informasi dari individu yang transactions if they possess information from individuals who
memiliki akses ke informasi non-publik tentang hal tersebut. have access to non-public information about them. The term
Istilah trading tidak hanya dalam hal pembelian, penjualan “trading” is not limited to purchases, sales, and/or for their
dan/untuk rekening sendiri, tapi juga untuk keluarga, teman, own accounts, but also applies to family members, friends,
dan relasi. and associates.
2. Setiap karyawan harus tunduk pada seluruh hukum, 2. Every employee must adhere to all laws, regulations, and
ketentuan dan peraturan yang terkait dengan perdagangan rules related to the trading of securities/stocks/forex of the
surat berharga/saham/forex Perusahaan dan surat berharga/ Company and securities/stocks of other companies that may
saham perusahaan lain yang dapat terpengaruh oleh kegiatan be affected by the Company’s business activities. Employees
bisnis Perusahaan. Karyawan tidak boleh menggunakan are not allowed to use their position as employees to obtain
posisinya sebagai karyawan untuk memperoleh perilaku preferential treatment in buying or selling securities/stocks/
istimewa dalam membeli atau menjual surat berharga/saham/ forex for personal gain.
forex untuk kepentingan pribadi.
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Laporan Tata Kelola Unit Usaha Syariah
Sharia Business Unit Governance Report
Kebijakan Penerapan Tata Kelola Governance Implementation Policy
Bank Sinarmas membentuk Unit Usaha Syariah (UUS) yang Bank Sinarmas has established the Sharia Business Unit (UUS)
menawarkan berbagai produk dan jasa keuangan berbasis offering various Sharia-based financial products and services as an
syariah sebagai upaya memenuhi kebutuhan masyarakat dan effort to meet the needs of the community and develop the sharia
mengembangkan ekonomi Islam di Indonesia. UUS Bank Sinarmas economy in Indonesia. UUS of Bank Sinarmas is committed to
berkomitmen untuk dalam menerapkan corporate governance implementing corporate govern-ance based on sharia principles,
yang berlandaskan prinsip syariah, sebagaimana tercermin melalui as reflected in effective gov-ernance structures and processes.
governance structure dan governance process yang efektif. Hal ini This not only benefits var-ious parties, especially stakeholders, but
tidak hanya membawa manfaat bagi banyak pihak, terutama para also reflects the se-riousness of the Bank in adhering to sharia
stakeholders, tetapi juga mencerminkan keseriusan Bank dalam principles.
mematuhi prinsip-prinsip syariah.
Salah satu langkah nyata dari komitmen tersebut adalah dengan One of the real steps in this commitment is to continue im-
terus menerapkan dan menyempurnakan pelaksanaan GCG secara plementing and improving the implementation of Corporate
berkesinambungan dalam seluruh kegiatan usaha. Konsistensi Governance (GCG) continuously in all business activities.
dalam implementasi GCG tidak hanya menjadi modal besar untuk Consistency in implementing GCG is not only a significant asset
membentuk citra perusahaan yang positif di masyarakat, tetapi in shaping a positive corporate image in society but also a solid
juga menjadi landasan yang kokoh dalam menjalankan prinsip- foundation for consistently adhering to Sharia principles.
prinsip syariah secara konsisten.
Pelaksanaan GCG yang baik dan konsisten juga memberikan Good and consistent implementation of GCG also benefits the
manfaat bagi Bank, antara lain: Bank in several ways, including:
1. Melindungi kepentingan dan pertanggungjawaban kepada 1. Protecting the interests and accountability to stakehold-ers;
stakeholders;
2. Mengarahkan UUS Bank Sinarmas menjadi perusahaan yang 2. Directing Bank Sinarmas's UUS to be a company with
mempunyai kelangsungan usaha berkelanjutan (going concern); sustainable business continuity (going concern);
3. Menghindarkan timbulnya berbagai macam risiko, yang tidak 3. Avoiding the emergence of various risks, including com-
terbatas pada risiko kepatuhan; pliance risks;
4. Meningkatkan kepatuhan terhadap peraturan/perundang- 4. Enhancing compliance with applicable laws and regula-tions
undangan yang berlaku serta prinsip syariah dan nilai etika as well as sharia principles and ethical values appli-cable to the
yang berlaku pada industri keuangan syariah yang ada di sharia finance industry in Indonesia; and
Indonesia; dan
5. Meningkatkan brand positioning yang baik bahwa UUS 5. Enhancing a good brand positioning that Bank Sinar-mas's
Bank Sinarmas merupakan bank yang berkomitmen untuk UUS is committed to continuously improving for the wider
senantiasa melakukan perbaikan yang berkelanjutan bagi community and stakeholders.
masyarakat luas dan stakeholders.
Prinsip GCG UUS Sharia Business Unit GCG Principles
Pengelolaan GCG untuk USS, berlandaskan pada 5 prinsip dasar, GCG management for the Sharia Business Unit (UUS) is based on
yakni: 5 basic principles, namely:
1. Transparansi 1. Transparency
Keterbukaan dalam mengemukakan informasi yang material dan Transparency in disclosing material and relevant information,
relevan serta keterbukaan dalam proses pengambilan keputusan. as well as transparency in decision-making processes.
2. Akuntabilitas 2. Accountability
Kejelasan fungsi dan pelaksanaan pertanggungjawaban Clarity of the functions and implementation of accountability of
organ bank sehingga pengelolaannya berjalan secara efektif. the Bank’s organs to ensure its management runs effectively.
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3. Pertanggungjawaban 3. Responsibilities
Kesesuaian pengelolaan bank dengan peraturan perundang- Conformity of the Bank’s management with the applicable
undangan yang berlaku dan prinsip-prinsip pengelolaan bank laws and regulations, and the principles of sound Bank
yang sehat. management.
4. Profesional 4. Professional
Memiliki kompetensi, mampu bertindak obyektif dan bebas Competence, capable of acting objectively and free from
dari pengaruh/tekanan dari pihak mana pun serta memiliki influence/pressure from any party, as well as having a high
komitmen yang tinggi untuk mengembangkan UUS. commitment to develop the UUS.
5. Kewajaran 5. Fairness
Keadilan dan kesetaraan dalam memenuhi hak-hak Justice and equality in fulfilling the rights of stakeholders based on
pemangku kepentingan berdasarkan perjanjian dan peraturan agreement and applicable laws and regulations.
perundang-undangan yang berlaku.
Struktur dan Mekanisme Tata Kelola UUS Structure and Mechanism of Governance of
Bank Sinarmas Bank Sinarmas’ UUS
Struktur GCG UUS Bank Sinarmas, terdiri dari DPS dan Direktur The Good Corporate Governance (GCG) structure of Bank
UUS yang membentuk beberapa departemen/divisi/unit kerja yang Sinarmas’s UUS consists of Sharia Supervisory Board (DPS)
bertanggung jawab atas berbagai aspek bisnis operasional UUS. and Director of Sharia Business Unit (UUS), which form several
Setiap organ dalam Tata Kelola UUS Bank menjalankan tugas dan departments/divisions/units responsible for various aspects of UUS
tanggung jawab sesuai dengan fungsinya masing-masing sesuai operational business. Each organ in the Bank’s UUS governance
dengan ketentuan yang berlaku. structure performs duties and responsibilities according to its
respective functions in accordance with applicable regulations.
Direktur UUS Director of Sharia Business Unit (UUS)
Bank Sinarmas telah menunjuk 1 orang sebagai Direktur yang Bank Sinarmas has appointed one person as the Director responsible
bertanggung jawab penuh atas pelaksanaan pengelolaan UUS for the full implementation of UUS management based on the
berdasarkan prinsip kehati-hatian dan prinsip syariah. Pada tahun prudence principles and sharia principles. In 2023, the UUS Director
2023, Direktur UUS dijabat oleh Bapak Halim sejak tanggal 26 Oktober was held by Mr. Halim since October 26, 2017, based on the
2017 berdasarkan Surat Keputusan Persetujuan fit and proper dari Approval Letter of fit and proper from the Financial Services Authority
Otoritas Jasa Keuangan No. SR-48/PB.13/2017 perihal Keputusan atas No. SR-48/PB.13/2017 regarding the Decision on the submission of
pengajuan Calon Direktur UUS PT. Bank Sinarmas Tbk. the Candidate Director of UUS of PT. Bank Sinarmas Tbk.
Profil Direktur UUS Sharia Business Unit (UUS) Director Profile
Profil lengkap disampaikan pada Bab Profil Perusahaan bagian The complete profile is presented in the Company Profile section,
Profil Direksi dalam Laporan Tahunan dan Keberlanjutan ini. specifically in the Profile of the Board of Directors subsection,
within this Annual and Sustainability Report.
Kriteria dan Independensi Direktur UUS Criteria for the Sharia Director of Sharia Business Unit (UUS)
Kriteria dan independensi Direktur UUS telah sesuai dengan The criteria and independence of the UUS Director have complied
ketentuan Bank Indonesia sebagai berikut. with the provisions of Bank Indonesia as follows.
1. Dalam melaksanakan fungsi pengelolaan UUS, Direktur UUS 1. In carrying out the UUS management function, the UUS
tidak memiliki benturan kepentingan (conflict of interest); Director does not have any conflict of interest.
2. Direktur UUS Bank Sinarmas memiliki kompetensi dan 2. The UUS Director of Bank Sinarmas possesses the competence
komitmen dalam pengembangan UUS; dan and commitment in the development of UUS.
Direktur UUS Bank Sinarmas tidak memiliki hubungan keluarga The UUS Director of Bank Sinarmas does not have any family
dan hubungan keuangan dengan anggota Direksi lainnya, or financial relationships with other members of the Board
anggota Dewan Komisaris dan Pemegang Saham Pengendali. of Directors, members of the Board of Commissioners, and
Controlling Shareholders.
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Tugas dan Tanggung Jawab Direktur UUS Duties and Responsibilities
Direktur UUS bertanggung jawab penuh atas pelaksanaan The Director of Sharia Business Unit (UUS) is fully responsible for
pengelolaan UUS berdasarkan prinsip kehati-hatian dan prinsip the implementation of Sharia Business Unit (UUS) management
syariah. Dalam melaksanakan tugasnya, Direktur UUS juga: based on prudential principles and sharia principles. In carrying
out his duties, the Sharia Business Unit (UUS) Director also:
1. Menindaklanjuti rekomendasi dari hasil pengawasan Dewan 1. Following up on recommendations from the Sharia Supervisory
Pengawas Syariah (DPS); Board (DPS) supervision findings;
2. Melaksanakan prinsip-prinsip GCG di setiap kegiatan UUS; 2. Implementing corporate governance principles in every UUS
3. Menyediakan data dan informasi terkait dengan pemenuhan activity;
prinsip syariah yang akurat, relevan, dan tepat waktu kepada 3. Providing accurate, relevant, and timely data and information
DPS; related to sharia compliance to the DPS;
4. Bertanggung jawab terhadap pencapaian kinerja Kantor 4. Being responsible for the performance achievement of UUS
Cabang UUS; Branch Offices;
5. Menetapkan, mengawasi, dan mengevaluasi secara berkala 5. Establishing, overseeing, and periodically evaluating the
terhadap mekanisme penghimpunan dan penyaluran dana mechanisms for fund mobilization and distribution as well as
serta pelayanan jasa Bank sesuai dengan prinsip syariah; banking services in accordance with sharia principles;
6. Mengawasi penerbitan Surat Edaran nisbah bagi hasil setiap 6. Supervising the issuance of profit-sharing ratio circulars every
bulan; month;
7. Mengikuti rapat koordinasi Asset & Liabilities Committee 7. Participating in monthly coordination meetings of the Sharia
(ALCO) Syariah setiap bulan;; Asset & Liabilities Committee (ALCO);
8. Bertanggung jawab terhadap penyelesaian penanganan 8. Being responsible for the resolution of non-performing loan
kredit bermasalah; handling;
9. Bertanggung jawab terhadap non-performing finacing (NPF) 9. Being responsible for the Bank's non-performing financing
Bank; dan (NPF);
10. Melakukan pengawasan dan evaluasi terhadap kinerja unit 10. Supervising and evaluating the performance of subordinate
kerja di bawahnya. units.
Dewan Pengawas Syariah Sharia Supervisory Board
Dewan Pengawas Syariah (DPS) berperan dalam memberikan The Sharia Supervisory Board (DPS) plays a role in providing advice
nasihat dan saran kepada Direksi serta mengawasi kegiatan Bank and inputs to the Board of Directors, as well as supervising the
sesuai prinsip syariah. Dengan kewenangannya, DPS melakukan Bank’s activities in accordance with sharia principles. With its
supervisi, pengawasan, memberikan opini syariah, menyetujui, authority, the DPS conducts supervision, monitoring, provides
dan secara cermat memantau seluruh aktivitas UUS. Sharia opinions, approves, and carefully monitors all UUS activities.
Mekanisme Pengangkatan, Penggantian, dan/atau, Mechanism for Appointment, Replacement, and/or
Pengunduran Diri Anggota DPS Resignation of Sharia Supervisory Board Members
Dewan Pengawas Syariah diangkat dan disahkan melalui RUPS The Sharia Supervisory Board is appointed and confirmed through
sesuai dengan rekomendasi dari Dewan Syariah Nasional Majelis the GMS in accordance with the recommendation from the National
Ulama Indonesia (DSN-MUI). Sharia Council of the Indonesian Ulema Council (DSN-MUI).
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Komposisi DPS Composition of Sharia Supervisory Board
Komposisi Dewan Pengawas Syariah hingga 31 Desember 2023, The Sharia Supervisory Board’s composition as of December 31,
diungkapkan sebagai berikut. 2023, is disclosed as follows.
Masa Jabatan
Term of Office
Nama Jabatan
Pengangkatan Akhir Masa
Name Position Pengangkatan
RUPS Rekomendasi DSN-MU Jabatan
Kembali
GMS DSN-MUI Recommendation End of Term of
Reappointmen
Appointment Office
RUPS Tahunan U-074/DSN-MUI/II/2017 tanggal 6 RUPS Tahunan
Ketua 9 Mei 2017 Februari 2017. 27 Juni 2023 RUPS Tahunan 2026
Ahmadi Sukarno
Chairman Annual GMS May 9, U-074/DSN-MUI/II/2017 dated Annual GMS June Annual GMS 2026
2017 February 6, 2017. 27, 2023
RUPS Tahunan U-074/DSN-MUI/II/2017 tanggal 6 RUPS Tahunan
Mochammad Bukhori Anggota 9 Mei 2017 Februari 2017. 27 Juni 2023 RUPS Tahunan 2026
Muslim Member Annual GMS May 9, U-074/DSN-MUI/II/2017 dated Annual GMS June Annual GMS 2026
2017 February 6, 2017. 27, 2023
Profil DPS Sharia Supervisory Board Profile
Profil lengkap disampaikan pada Bab Profil Perusahaan dalam The complete profile is presented in the Company Profile Chapter
Laporan Tahunan dan Keberlanjutan ini. in this Annual and Sustainability Report.
Penilaian Kemampuan dan Kepatutan DPS Fit and Proper Test for the Sharia Supervisory Board
Bank memastikan bahwa semua anggota DPS telah lulus The Bank ensures that all Sharia Supervisory Board (DPS) members
penilaian kemampuan dan kepatutan (fit and proper test). have passed the fit and proper test. Information on the fit and
Informasi mengenai hasil fit and proper test DPS Bank Sinarmas proper test results for Bank Sinarmas’s DPS members is disclosed
diungkapkan pada tabel berikut. in the following table.
Nama Jabatan Pelaksana No. Surat Tanggal Hasil
Name Position Organizer Letter No. Date Result
Ketua Otoritas Jasa Keuangan 22 September 2017 Lulus
Ahmadi Sukarno No. 43/PB.13/2017
Chairman Financial Services Authority September 22, 2017 Passed
Mochammad Bukhori Anggota Otoritas Jasa Keuangan 19 Juni 2017 Lulus
S-106/PB.1311/2017
Muslim Member Financial Services Authority June 19, 2017 Passed
Independensi dan Rangkap Jabatan DPS Independency and Concurrent Positions of the
Penetapan komposisi, kriteria, dan independensi Dewan Pengawas Sharia Supervisory Board
Syariah Unit Usaha Syariah (DPS UUS) Bank Sinarmas telah sesuai The determination of composition, criteria, and independecy of
dengan ketentuan berikut. the Sharia Supervisory Board of Sharia Business Unit (DPS UUS) of
1. Anggota DPS UUS Bank Sinarmas memiliki integritas, yang Bank Sinarmas is in line with the following provisions.
paling kurang mencakup: 1. Members of the Sharia Supervisory Boar of the Sharia Business
a. Memiliki akhlak dan moral yang baik; Unit of Bank Sinarmas has integrity, which at least include:
b. Memiliki komitmen untuk memenuhi ketentuan a. Good character and morals;
perbankan syariah dan ketentuan peraturan perundang- b. Committment to fulfilling the provisions of Islamic
undangan yang berlaku; banking and the relevant legal regulations;
c. Memiliki komitmen terhadap pengembangan perbankan c. Committment to the development of a sound and
syariah yang sehat dan tangguh (sustainable); dan sustainable Islamic banking system;
d. Memperoleh Surat Keputusan Persetujuan Fit and Proper d. Obtaining a Fit and Proper Approval from the Financial
dari Otoritas Jasa Keuangan. Services Authority.
2. Anggota DPS UUS Bank Sinarmas merupakan profesional 2. Members of the Sharia Supervisory Board of the Sharia
yang memiliki kompetensi, yang sekurang-kurangnya Business Unit of Bank Sinarmas are professionals who possess
memiliki pengetahuan dan pengalaman di bidang syariah competencies, at minimum having knowledge and experience
muamalah dan pengetahuan di bidang perbankan dan/atau in the field of Islamic commercial law (muamalah) and
keuangan secara umum. knowledge in banking and/or finance in general.
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3. Anggota DPS UUS Bank Sinarmas memiliki reputasi keuangan 3. Members of the Sharia Supervisory Board of the Sharia Business
yang baik, paling kurang: Unit of Bank Sinarmas have a good financial reputation, at least:
a. Tidak termasuk dalam daftar kredit macet; dan a. Not included in the non-performing loan list; and
b. Tidak pernah dinyatakan pailit atau menjadi Pemegang b. Have never been declared bankrupt or served as a
Saham, anggota Dewan Komisaris atau anggota Direksi Shareholder, member of the Board of Commissioners,
suatu Perseroan dan/atau anggota pengurus suatu badan or member of the Board of Directors of a company and/
usaha yang dinyatakan bersalah menyebabkan suatu or management of a business entity declared guilty of
Perseroan dan/atau badan usaha dinyatakan pailit, dalam causing a company and/or business entity to be declared
waktu 5 tahun terakhir sebelum dicalonkan. bankrupt, within the last 5 years prior to nomination.
4. Anggota DPS UUS Bank Sinarmas merangkap jabatan sebagai 4. Members of Sharia Supervisory Board of the Business Unit of
anggota DPS pada Lembaga Keuangan syariah (LKS) lain tidak Bank Sinarmas concurrently hold positions as DPS members at
lebih dari 4 LKS lain. Berikut rangkap jabatan DPS UUS Bank other Sharia Financial Institutions (LKS), not exceeding 4 other
Sinarmas: Sharia Financial Institutions. The following are the concurrent
positions held by members of the Sharia Supervisory Board of
the Sharia Business Unit of Bank Sinarmas:
Nama Jabatan di LKS Lain Nama LKS
Name Position at Other LKS Name of LKS
Ketua DPS / Chairman of DPS PT Sinarmas Aset Manajemen
Ahmadi Sukarno
Anggota DPS / Member of DPS PT Asuransi Sinarmas Life Syariah (Asuransi Sinarmas Syariah MSIG)
Mochammad Bukhori Muslim Ketua DPS / Chairman of DPS PT Bukopin Finance Syariah
Tugas dan Tanggung Jawab DPS Duties and Responsibilities
Tugas dan tanggung jawab DPS di Bank Sinarmas diuraikan The Sharia Supervisory Board of Bank Sinarmas has the following
sebagai berikut. duties and responsibilities.
1. Menilai dan memastikan pemenuhan prinsip syariah dalam 1. Assessing and ensuring the fulfillment of Sharia principles
pedoman operasional dan produk yang dikeluarkan Unit in operational guidliness and products issued by the Sharia
Usaha Syariah (UUS). Business Unit (UUS).
2. Mengawasi proses pengembangan produk baru UUS sejak 2. Supervising the process of developing new UUS products
awal sampai dengan dikeluarkannya produk tersebut. from inception to the issuance of the product.
3. Memberikan opini syariah terhadap produk baru dan/atau 3. Providing Sharia opinions on new products and/or restructured
pembiayaan yang direstrukturisasi. financing.
4. Meminta fatwa kepada Dewan Syariah Nasional untuk produk 4. Requesting a fatwa from the National Sharia Council for new
baru UUS yang belum ada fatwanya. UUS products that do not yet have a fatwa.
5. Melakukan tinjauan secara berkala atas pemenuhan Prinsip 5. Conducting periodic reviews of Sharia compliance regarding
Syariah terhadap mekanisme penghimpunan dana dan fund collection mechanisms, fund disbursement, and banking
penyaluran dana serta pelayanan jasa Bank. services.
6. Meminta data dan informasi terkait dengan aspek syariah dari 6. Requesting data and information related to Sharia aspects
satuan kerja UUS dalam rangka pelaksanaan tugasnya. from the UUS unit to fulfilling its duties.
Rapat DPS Sharia Supervisory Board’s Meeting
Sepanjang tahun 2023, DPS Bank Sinarmas telah melaksanakan Throughout 2023, the Sharia Supervisory Board of Bank Sinarmas
rapat sebanyak 13 kali, dengan tingkat kehadiran sebagai berikut. organized 13 meetings, with attendance rate as follows.
Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance Rate
Name Position Total Meeting Total Attendance
(%)
Ketua
Ahmadi Sukarno 13 13 100,00
Chairman
Mochammad Bukhori Anggota
13 13 100,00
Muslim Member
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Informasi mengenai pelaksanaan Rapat DPS, mulai dari tanggal Information about the organizing of DPS meetings, including
dan agenda diungkapkan pada tabel berikut. dates and agendas, is disclosed in the following table:
Tanggal Agenda
Date Agenda
12 Januari 2023 1. PSAK 107 tentang Akuntansi Ijarah (Revisi 2021) 1. PSAK 107 on Ijarah Accounting (Revision 2021)
January 12, 2023 2. Program Goodness Score Bank Nano Syariah 2. Goodness Score Program for Bank Nano Syariah
24 Februari 2023 1. Pembahasan Temuan Audit Semester 2 Tahun 2022 1. Discussion on Audit Findings for the Second Semester of 2022;
February 24, 2023 2. Finalisasi LHP DPS Semester 2 Tahun 2022 2. Finalization of DPS Audit Findings Report for the Second
Semester of 2022
6 Maret 2023 Pembahasan Kerja Sama Joint Financing SMMF pembiayaan Alat Discussion on Joint Financing Cooperation with SMMF for Heavy
March 6, 2023 Berat Equipment Financing
10 April 2023 1. Pembahasan Draft PKS Joint Financing Alat Berat Heavy 1. Discussion of the Draft Cooperation Agreement for Joint
April 10, 2023 Equipment dengan PT SMMF dari Legal Sharia Financing of Heavy Equipment with PT SMMF from the Legal
Sharia perspective
2. Pembahasan Usulan Perpanjangan Fasilitas Qardh atas nama 2. Discussion of the Proposal for Extending Qardh Facility in the
PT Usad a Mitra Sejahtera name of PT Usad a Mitra Sejahtera
10 Mei 2023 Pembahasan Pemberian Bonus Pada Tabungan/Giro Mudharabah Discussion of Bonus Provision on Mudharabah Savings/Current
May 10, 2023 Accounts
24 Mei 2023 Health Payment System SehatQ SehatQ Health Payment System
May 24, 2023
6 Juni 2023 E-money Syariah Sharia E-money
June 6, 2023
4 Juli 2023 1. Pembahasan Opini DPS Sehat Q 1. Discussion of DPS Opinion on Sehat Q
July 4, 2023 2. Pembahasan Opini DPS Produk Smile Proteksi Amanah 2. Discussion of DPS Opinion on Smile Proteksi Amanah Product
24 Agustus 2023 1. Annual Audit Plan 2023 – Syariah 1. Annual Audit Plan 2023 – Shariah
August 4, 2023 2. Hasil Pelaksanaan Audit 2023 2. Results of the 2023 Audit Implementation
25 September 2023 1. Opini DPS terkait SOP MM 1. DPS Opinion related to MM SOP
September 25, 2023 2. Opini DPS Pengalihan Portofolio Piutang Alif 2. DPS Opinion on the Transfer of Alif Receivables Portfolio
3. Opini DPS Ijarah Multijasa 3. DPS Opinion on multiservice Ijarah
24 Oktober 2023 Pembahasan Memorandum Program Pembiayaan alat pertanian, Discussion of Financing Program Memorandum for agricultural
October 24, 2023 alat berat dan mesin industri menggunakan produk mikro equipment, heavy machinery, and industrial machines using
Sinarmas dan KUR iB Sinarmas micro products and sharia microcredit (KUR iB)
9 November 2023 Pembiayaan Mikro Faedah KCS Pekanbaru terkait Modal Kerja ‘Faedah’ Micro Financing by KCS Pekanbaru related to Working
Novermber 9, 2023 Stok Barang yang transaksinya ada Rokok. Capital for Goods Stock that includes cigarette transactions.
1 Desember 2023 Pembiayaan Alat Berat dan mesin industri menggunakan Produk Financing of heavy equipment and industrial machinery using
December 1, 2023 Mikro Syariah dan KUR iB sharia Micro Products and sharia Microcredit (KUR iB).
Frekuensi, Pemberian Nasihat, dan Saran serta Frequency, Provision of Advice, and Councel as well as
Pengawasan Pemenuhan Prinsip Syariah 2023 Monitoring the Fulfillment of Sharia Principles in 2023
Sepanjang tahun 2023, Dewan Pengawas Syariah telah Throughout 2023, the Sharia Supervisory Board provided
menyampaikan rekomendasi, nasihat dan saran dari hasil pengawasan recommendations, advice, and suggestions based on its monitoring
yang dilakukan agar Bank senantiasa menaati kepatuhan terhadap activities to ensure that the Bank consistently adheres to compliance
penerapan prinsip syariah, termasuk di pasar modal. with the sharia principles, including in the capital market.
Penilaian Kinerja DPS Assessment of Sharia Supervisory Board’s
Performance
Penilaian terhadap kinerja DPS dilakukan pada saat Sharia Supervisory Board’s performance is assessed during the
penyelenggaraan RUPS. Pelaksanaan penilaian tersebut dilakukan GMS. The assessment is based on the results of the DPS’s duties
berdasarkan hasil pelaksanaan tugas DPS. implementation.
Remunerasi DPS Remuneration for the Sharia Supervisory Board
DPS menerima remunerasi tetap dan tidak tetap yang terdiri The DPS receives fixed and variable remuneration, consisting of
dari gaji/honorarium dan tunjangan atas jasanya kepada Bank. salary/honorarium and allowances for its services to the Bank.
Pengungkapan kebijakan remunerasi dan fasilitas lainnya yang Disclosure of remuneration policies and other facilities established
ditetapkan berdasarkan keputusan RUPS sebagai berikut. based on the resolutions of the General Meeting of Shareholders
(GMS) are as follows.
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Jumlah Diterima dalam Tahun 2023
Jenis Remunerasi dan Fasilitas Lainnya Amount Received in 2023
Types of Remuneration and Other Facilities Orang jutaan Rupiah
Person million Rupiah
Remunerasi / Remuneration 2 445
Fasilitas Lainnya / Other facilities
a. Yang dapat dimiliki / Purchasable - -
a. Yang tidak dapat dimiliki / Not Purchasable - -
Jumlah 2 445
Jumlah Remunerasi per Orang dalam Tahun 2023 Jumlah DPS
Total Remuneration per Person in 2023 Total DPS
> Rp 2 miliar / Rp 2 billion -
>Rp 1 miliar-Rp 2 miliar / Rp 1 billion-Rp 2 billion -
>Rp 500 juta-Rp 1 miliar / Rp 500 million-Rp 2 billion -
<Rp 500 juta / Rp 500 million 2
Daftar Konsultan UUS Bank Sinarmas List of Bank Sinarmas UUS Consultants
UUS Bank Sinarmas pada tahun 2023 menggunakan Karim In 2023, UUS of Bank Sinarmas used consultant Karim.
konsultan.
Internal Fraud UUS UUS Internal Fraud
Jumlah Kasus yang Dilakukan oleh
Total Cases Conducted by
Internal Fraud dalam 1 Tahun Dewan Komisaris/Direksi Pegawai Tidak Tetap
Pegawai Tetap
Internal Fraud in a Year Board of Commissioners/ Non-Permanent
Permanent Employees
Board of Directors Employees
2022 2023 2022 2023 2022 2023
Jumlah Fraud
- - 2 - - -
Total Fraud
Telah Diselesaikan
- - 2 - - -
Settled
Dalam Proses Penyelesaian di Internal UUS
- - - - - -
Under the Bank’s Internal Settlement
Belum Diupayakan Penyelesaiannya
- - - - - -
Settlement has not been Sought
Telah Ditindak Lanjuti Proses Hukum
- - - - - -
Has been Followed-up through Legal Process
Perkara Hukum UUS USS Legal Cases
Permasalahan Dampak terhadap Bank
2022 2023
Cases Impact on the Bank
Perkara yang Telah Selesai (Mempunyai Kekuatan Hukum Tetap) Tidak ada dampak kerugian atau risiko reputasi
2 -
Settled (Final and Binding) There is no impact of loss or reputation risk
Perkara Dalam Proses Penyelesaian (Posisi Desember 2023) Tidak ada dampak kerugian atau risiko reputasi
1 2
In Settlement Process (as of December 2023) There is no impact of loss or reputation risk
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Penyaluran Dana Kebajikan untuk Distribution of Welfare Funds for Social
Kegiatan Sosial Activities
Pada tahun 2023, UUS Bank Sinarmas menyalurkan dana In 2023, UUS of Bank Sinarmas channeled welfare funds for social
kebajikan untuk kegiatan sosial sebesar Rp275.650.000,-. activities totaling Rp275,650,000.
Pendapatan Non-Halal dan Penggunaannya Non-Halal Income and Its Utilization
Sepanjang tahun 2023, UUS Bank Sinarmas tercatat mendapatkan Throughout 2023, UUS of Bank Sinarmas recorded the following
Pendapatan Non-Halal sebagai berikut. Non-Halal Income.
Tanggal Penggunaan Pendapatan Non-Halal
Date Utilization of Non-Halal Income
30 Januari 2023
Donasi untuk Yatim Piatu Laz Persada Jawa Timur Donation for Orphans at Laz Persada East Java
January 30, 2023
27 Maret 2023
Donasi untuk Yayasan Al Mabrur Kebalen Donation for Al Mabrur Foundation in Kebalen
March 27, 2023
7 Agustus 2023
Donasi untuk Yatim Piatu Laz Persada Jawa Timur Donation for Orphans at Laz Persada East Java
August 7, 2023
24 Agustus 2023
Donasi untuk Masjid di Kabupaten Tasikmalaya Batch I Donation for Mosque in Tasikmalaya Regency Batch I
August 24, 2023
4 Oktober 2023
Donasi untuk Masjid di Kabupaten Tasikmalaya Batch II Donation for Mosque in Tasikmalaya Regency Batch II
October 4, 2023
27 Oktober 2023 Donasi Kepada Perguruan Diniyyah Puteri Padang Panjang, Donation to Diniyyah Puteri Islamic Boarding School in Padang
October 27, 2023 Sumatra Barat Panjang, West Sumatra
1 November 2023
Donasi untuk Masjid di Kabupaten Tasikmalaya Batch III Donation for Mosque in Tasikmalaya Regency Batch III
November 1, 2023
7 Desember 2023
Donasi untuk Masjid di Kabupaten Tasikmalaya Batch IV Donation for Mosque in Tasikmalaya Regency Batch IV
December 7, 2023
Transparansi Kondisi Keuangan dan Financial and Non-Financial Conditions Trans-
Non-Keuangan UUS Bank Sinarmas parency of Bank Sinarmas UUS
UUS Bank Sinarmas telah menyajikan dan mempublikasikan UUS of Bank Sinarmas has presented and published various events
berbagai peristiwa dan kegiatan serta Laporan Keuangan pada and activities as well as Financial Reports on the Bank's website,
situs web Bank, surat kabar, dan telah menyampaikan kepada newspapers, and has submitted them to the Financial Services
Otoritas Jasa Keuangan. Authority.
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Praktik Bad Corporate Governance
Bad Corporate Governance Practices
Bank Sinarmas mengungkapkan transparansi praktik bad Bank Sinarmas reveals transparency in bad corporate governance
corporate governance sebagai wujud komitmen dalam practices as a manifestation of its commitment to conducting
menjalankan aktivitas bisnis secara bertanggung jawab, sesuai business activities responsibly, in accordance with applicable laws
dengan peraturan perundang-undangan yang berlaku. Berikut andd regulations. The following is a description of these practices.
uraian praktik tersebut.
Praktik Bad Corporate Governance Keterangan
Bad Corporate Governance Description
Adanya laporan sebagai Bank yang mencemari Sebagai perusahaan yang bergerak dalam bidang perbankan, Bank Sinarmas tidak memiliki kegiatan
lingkungan yang mencemari lingkungan. Meskipun demikian, Bank memiliki program Green Office yang telah
diterapkan di kantor cabang sebagai bukti komitmen kepedulian terhadap lingkungan.
There is a report that the Bank pollutes the As a company operating in the banking sector, Bank Sinarmas does not engage in activities that pollute
environment the environment. However, the Bank has implemented a Green Office program in branch offices as
evidence of its commitment to environmental concern.
Perkara penting yang sedang dihadapi oleh Bank, Sepanjang tahun 2023, tidak terdapat permasalahan hukum, baik yang dihadapi Bank, anggota Dewan
anggota Dewan Komisaris, dan/atau Direksi Komisaris dan/atau Direksi dan/atau yang sedang menjabat.
yang sedang menjabat tidak diungkapkan dalam
Laporan Tahunan
Significant cases currently faced by the Bank, Throughout 2023, There were no legal issues faced by the Bank, members of the Board of Commissioners,
members of the Board of Commissioners, and/ and/or the Board of Directors.
or the Board of Directors are not disclosed in the
Annual Report
Ketidakpatuhan dalam pemenuhan kewajiban Bank Sinarmas telah memenuhi kewajiban perpajakan.
perpajakan
Non-compliance in fulfilling tax obligations Bank Sianrmas fufilled its tax obligation.
Ketidaksesuaian penyajian Laporan Tahunan Penyusunan Laporan Tahunan dan Keberlanjutan serta Laporan Keuangan telah disesuaikan dengan
dan Laporan Keuangan dengan peraturan yang peraturan dan perundang-undangan yang berlaku. Laporan Tahunan dan Keberlanjutan Bank Sinarmas
berlaku dan Standar Akuntansi Keuangan menginformasikan mengenai Laporan Manajemen Bank mencakup pelaksanaan tugas, tantangan, dan
capaian sepanjang 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 Sinarmas 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 KAP yang ditunjuk oleh Bank, yaitu KAP Mirawati Sensi Idris.
Inconsistency of presentation of Annual Report The preparation of the Annual and Sustainability Reports as well as the Financial Statements has been adjusted
and Financial Statements with the applicable to comply with applicable laws and regulations. The Annual and Sustainability Reports of Bank Sinarmas
regulations and Financial Accounting Standards provide information regarding the Bank's Management Report, covering duties implementation, challenges,
and achievements throughout 2023, and have been prepared in accordance with Financial Services Authority
Regulation No. 29/POJK.04/2016 on Annual Reports of Issuers or Public Companies. Meanwhile, the Annual
Financial Statements of Bank Sinarmas also provide information on the recording of all transactions related
to third-party funds, credits, purchases, and sales in detail and with accurate calculations in 1 year. These
statements represent management's accountability for the use of entrusted resources. Therefore, the
preparation of the Financial Statements is in accordance with applicable Financial Accounting Standards.
The Annual Financial Statements ending on December 31, 2023, have also been audited and certified by the
Public Accounting Firm appointed by the Bank, namely Public Accounting Firm Mirawati Sensi Idris.
Kasus terkait buruh dan karyawan Sepanjang tahun 2023, tidak terdapat kasus terkait buruh dan karyawan di lingkungan Bank Sinarmas.
Cases related to workers and employees Throughout 2023, there were no cases related to labor and employees within the Bank Sinarmas
environment.
Tidak terdapat pengungkapan segmen operasi Pengungkapan segmen operasi diungkapkan dalam bab Pembahasan dan Analisis Manajemen dalam
Laporan Tahunan dan Keberlanjutan ini.
There are no disclosures on operational segment The disclosure of operating segments is presented in the Management Discussion and Analysis section of
this Annual and Sustainability Report.
Terdapat ketidaksesuaian antara Laporan Tahunan Bank Sinarmas senantiasa melakukan pengecekan sebelum mengunggah Laporan Tahunan dan Keberlanjutan
hardcopy dengan Laporan Tahunan softcopy serta memastikan kesesuaian data antara Laporan Tahunan dan Keberlanjutan hardcopy dengan softcopy.
There is inconsistency between Annual Report’s Bank Sinarmas always checks before uploading the Annual and Sustainability Reports and ensures the
hardcopy and Annual Report’s softcopy consistency of data between the hardcopy and softcopy of the Annual and Sustainability Reports.
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Manajemen Risiko
Risk Management
Manajemen risiko adalah serangkaian metodologi dan prosedur Risk Management is a set of methodologies and procedures
yang digunakan untuk mengidentifikasi, mengukur, memantau, used to identify, measure, monitor, and control the risk arising
dan mengendalikan Risiko yang timbul dari seluruh kegiatan usaha from all Bank business activities. Bank Sinarmas implements risk
Bank. Bank Sinarmas menerapkan kerangka manajemen risiko management framework that includes strategies, organizations,
yang mencakup strategi, organisasi, kebijakan dan prosedur, serta policies, and procedures, as well as risk management methodologies
metodologi manajemen risiko dengan tujuan memastikan seluruh that aims to ensure that all risk faced the Bank can be identified,
risiko yang dihadapi Bank dapat diidentifikasi, diukur, dipantau, measured, monitored, controlled, and conveyed appropriately. In
dikendalikan dan disampaikan secara tepat. Agar Penerapan order to make the implementation of Risk Management runs well
Manajemen Risiko berjalan dengan baik dan efektif maka Bank selalu and effectively, the Bank Bank continuously enhances a culture of
secara berkesinambungan meningkatkan budaya kesadaran risiko risk awareness, including through campaigns conveyed via email,
(risk awareness), antara lain melalui campaign yang disampaikan banners, socialization, training programs, and certification.
melalui e-mail, banner, sosialisasi, program pelatihan, dan sertifikasi.
Kebijakan Penerapan Manajemen Risiko Risk Management Implementation Policy
Bank Sinarmas, sebagai pelaku usaha jasa keuangan yang bergerak Bank Sinarmas, as a financial service provider operating in
di bidang perbankan, berkewajiban menerapkan manajemen the banking sector, is obliged to implement risk management
risiko secara berkelanjutan. Hal ini bertujuan agar Bank dapat continuously. It aims at enabling the Bank to maintain a sound
tetap beroperasi dengan kondisi finansial yang sehat dan financial condition and conduct business with controlled risks, in
menjalankan bisnis dengan risiko yang terkendali, sesuai dengan accordance with the established framework of risk appetite and
kerangka risk appetite dan risk tolerance yang telah ditetapkan. risk tolerance. Additionally, these efforts are directed towards
Selain itu, upaya ini juga diarahkan untuk meningkatkan nilai bagi enhancing value for shareholders.
para Pemegang Saham.
Penerapan manajemen risiko di Bank mengacu pada: The implementation of risk management in the Bank refers to:
1. Undang-Undang No. 7 Tahun 1992 tentang Perbankan 1. Law No. 7 of 1992 on Banking, as amended by Law No. 10 of
sebagaimana telah diubah dengan Undang-Undang No. 10 1998;
Tahun 1998;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 2. Financial Services Authority Regulation No. 18/POJK.03/2016
tanggal 16 Maret 2016 tentang Penerapan Manajemen Risiko dated March 16, 2016, on the Implementation of Risk
bagi Bank Umum; 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,
tanggal 1 September 2016 tentang Penerapan Manajemen dated September 1, 2016, on the Implementation of Risk
Risiko bagi Bank Umum (beserta lampiran); Management for Commercial Banks (along with attachments);
4. Peraturan Otoritas Jasa Keuangan No. 65/POJK.03/2016 4. Financial Services Authority Regulation No. 65/POJK.03/2016,
tanggal 23 Desember 2016 tentang Penerapan Manajemen dated December 23, 2016, on the Implementation of Risk
Risiko bagi Bank Umum Syariah dan Unit Usaha Syariah; Management for Sharia Commercial Banks and Sharia
Business Units;
5. Peraturan Otoritas Jasa Keuangan antara lain No.4/POJK.03/2016 5. Financial Services Authority Regulation No. 4/POJK.03/2016
tanggal 26 Januari 2016 tentang Penilaian Tingkat Kesehatan dated January 26, 2016, on the Assessment of the Soundness
Bank Umum; Level of Commercial Banks.
6. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 6. Financial Services Authority Circular No. 14/SEOJK.03/2017,
tanggal 17 Maret 2017 tentang Penilaian Tingkat Kesehatan dated March 17, 2017, on the Rating of Soundness Level for
Bank Umum (beserta lampiran); Commercial Banks (along with attachments);
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7. Peraturan Otoritas Jasa Keuangan No. 8/POJK.03/2014 7. Financial Services Authority Regulation No. 8/POJK.03/2014,
tanggal 11 Juni 2014 tentang Penilaian Tingkat Kesehatan dated June 11, 2014, on the Assessment of Soundness Levels
Bank Umum Syariah dan Unit Usaha Syariah; of Sharia Commercial Banks and Sharia Business Units;
8. Surat Edaran Otoritas Jasa Keuangan No. 10/SEOJK.03/2014 8. Financial Services Authority Circular No. 10/SEOJK.03/2014,
tanggal 11 Juni 2014 tentang Penilaian Tingkat Kesehatan dated June 11, 2014, on the Assessment of Soundness Levels
Bank Umum Syariah dan Unit Usaha Syariah (beserta of Sharia Commercial Banks & Sharia Business Units (along
lampiran); with attachments);
9. Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2020 9. Financial Services Authority Regulation No. 45/POJK.03/2020
tanggal 14 Oktober 2020 tentang Konglomerasi Keuangan; dated October 14, 2020, on Financial Conglomeration;
10. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 10. Financial Services Authority Regulation No. 17/POJK.03/2014
tertanggal 18 November 2014 tentang Penerapan Manajemen dated November 18, 2014, on the Implementation of
Risiko Terintegrasi bagi Konglomerasi Keuangan; Integrated Risk Management for Financial Conglomeration;
11. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 11. Financial Services Authority Regulation No. 17 of 2023 dated
tertanggal 14 September 2023 tentang Penerapan Tata September 14, 2023, on the Implementation of Governance
Kelola bagi Bank Umum; for Commercial Banks;
12. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2015 12. Financial Services Authority Circular No. 14/SEOJK.03/2015
tertanggal 25 Mei 2015 tentang Penerapan Manajemen dated May 25, 2015, on the Implementation of Integrated
Risiko Terintegrasi; Risk Management;
13. Surat Edaran Otoritas Jasa Keuangan No. 29/SEOJK.03/2022 13. Financial Services Authority Circular No. 29/SEOJK.03/2022
tentang Ketahanan dan Keamanan Siber Bagi Bank Umum; on Cyber Resilience and Security for Commercial Banks;
14. Peraturan Otoritas Jasa Keuangan No. 44/POJK.05/2020 14. Financial Services Authority Regulation No. 44/POJK.05/2020
tentang Penerapan Manajemen Risiko Bagi Lembaga Jasa on the Implementation of Risk Management for Non-Bank
Keuangan Non-Bank; Financial Institutions;
15. Surat Edaran Otoritas Jasa Keuangan No. 8/SEOJK.05/2021 15. Financial Services Authority Circular No. 8/SEOJK.05/2021
Penerapan Manajemen Risiko Bagi Perusahaan Asuransi, on the Implementation of Risk Management for Insurance
Asuransi Syariah, Reasuransi, dan Reasuransi Syariah; Companies, Sharia Insurance, Reinsurance, and Sharia
16. Peraturan Otoritas Jasa Keuangan No. 6/POJK.04/2021 Reinsurance;
tentang Penerapan Manajemen Risiko Bagi Perusahaan Efek 16. Financial Services Authority Regulation No. 6/POJK.04/2021
yang Melakukan Kegiatan Usaha Sebagai Penjamin Emisi on the Implementation of Risk Management for Securities
Efek dan Perantara Pedagang Efek yang Merupakan Anggota Companies Engaged in Business Activities as Underwriters
Bursa Efek; and Securities Broker that are Exchange Members;
17. Surat Edaran Otoritas Jasa Keuangan No. 23/SEOJK.04/2021 17. Financial Services Authority Circular No. 23/SEOJK.04/2021
tentang Bentuk, Susunan dan Tata Cara Penyampaian Laporan on the Form, Composition, and Procedures for Submission
Penilaian Sendiri (Self-Assessment) Penerapan Manajemen of Self-Assessment Reports on the Implementation of Risk
Risiko Perusahaan Efek yang Melakukan Kegiatan sebagai Management by Securities Companies Engaged in Business
Penjamin Emisi Efek dan Perantara Pedagang Efek yang Activities as Underwriters and Securities Brokers that are
Merupakan Anggota Bursa Efek; Exchange Members;
18. Peraturan Otoritas Jasa Keuangan No. .4/POJK.05/2021 18. Financial Services Authority Regulation No. 4/POJK.05/2021
Penerapan Manajemen Risiko dalam Penggunaan Teknologi on the Implementation of Risk Management in the Use of
Informasi oleh Lembaga Jasa Keuangan Non-Bank; Information Technology by Non-Bank Financial Institutions;
19. Surat Keputusan (SK) No. 095/2023/DIR1-RMG tanggal 19. Decision Letter (SK) No. 095/2023/DIR1-RMG dated December
28 Desember 2023 tentang Pedoman dan Tata Tertib Kerja 28, 2023, on the Charter and Code of Conduct of the Risk
Komite Manajemen Risiko PT. Bank Sinarmas Tbk.; dan Management Committee of PT. Bank Sinarmas Tbk.; and
20. Surat Keputusan (SK) No. 023/2023/DIRUT-EU tanggal 20. Decision Letter (SK) No. 023/2023/DIRUT-EU dated
28 Desember 2023 tentang Pedoman dan Tata Tertib December 28, 2023, on the Charter and Code of Conduct
Kerja Komite Manajemen Risiko Terintegrasi Konglomerasi of the Integrated Risk Management Committee of Sinar Mas
Keuangan Sinar Mas. Financial Conglomeration.
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Bank memiliki kebijakan internal berupa Pedoman Penerapan The Bank has an internal policy in the form of the Risk
Manajemen Risiko PT. Sinarmas Bank Tbk., bertujuan untuk Management Implementation Guidelines of PT. Sinarmas Bank
memastikan risiko-risiko yang dihadapi Bank maupun Lembaga Jasa Tbk., aimed at ensuring that the risks faced by the Bank and
Keuangan dapat diidentifikasi, diukur, dikendalikan, dan dilaporkan Financial Institutions can be identified, measured, controlled,
dengan baik. Kebijakan ini telah diunggah pada situs web Bank and reported effectively. It is an integral part of efforts to
Sinarmas. Kebijakan tersebut merupakan bagian penting dari respond to the rapid development of external and internal
upaya merespons dinamika eksternal dan internal perbankan yang dynamics of banking, aiming to identify, measure, monitor,
berkembang pesat untuk mengidentifikasi, mengukur, memonitor and control risks arising from every Bank activity, manage
serta mengontrol risiko-risiko yang muncul dari setiap aktivitas capital comprehensively, maintain capital at a strong level,
Bank, mengelola modal secara komprehensif dan menjaga agar ensure profitability and sustainable business growth, as well as
permodalan tetap berada pada tingkat yang kuat, memastikan maximize shareholder value-added.
profitabilitas dan pertumbuhan bisnis yang berkelanjutan serta
memaksimalkan nilai tambah bagi Pemegang Saham.
Bank Sinarmas senantiasa patuh terhadap regulasi yang telah Bank Sinarmas consistently complies with regulations established
ditetapkan oleh regulator dan mengacu kepada international best by regulators and adheres to international best practices in
practices untuk menerapkan manajemen risiko, dan melakukan implementing risk management. The Bank also ensures timely
pelaporan terkait dengan produk dan/atau aktivitas Bank kepada and accurate reporting to regulators regarding its products and/
regulator dengan baik dan tepat waktu. or activities.
Prinsip-Prinsip Penerapan Manajemen Risiko Principles of Risk Management Implementation
Penerapan Manajemen Risiko Bank secara prinsip mengacu The implementation of the Bank’s Risk Management in principle
pada pilar-pilar dan ketentuan yang tercantum dalam peraturan refers to the pillars and provisions contained in regulatory authorities
otoritas serta peningkatan kualitas penerapan manajemen as well as improving the quality of risk management implementation
risiko sejalan dengan perkembangan penerapan kerangka Basel in line with developments in the application of the Basel framework,
yang disesuaikan dengan tujuan, kebijakan usaha, ukuran dan which is adjusted to objectives, business policies, business size and
kompleksitas usaha, serta kemampuan Bank dan best practices. complexity, as well as Bank capabilities and best practices.
Penerapan manajemen risiko dilakukan secara berkesinambungan The application of risk management is carried out on an ongoing
untuk mencapai pertumbuhan bisnis maupun aktivitas operasional basis to achieve soundness and sustainable business growth and
yang sehat dan berkelanjutan serta menjaga agar dapat operational activities, as well as to maintain optimal returns in
menghasilkan return yang optimal sesuai dengan risk appetite dan accordance with the established risk appetite and risk tolerance.
risk tolerance yang telah ditetapkan.
Dalam menjalankan bisnis, Bank selalu dihadapi risiko yang melekat In conducting business, the Bank is always faced with inherent
(inheren) di seluruh kegiatan bisnis dan operasional. Pengelolaan risks in all business and operational activities. The Bank’s risk
risiko secara keseluruhan dilakukan untuk 12 jenis risiko yang management is carried out on 8 (eight) types of risk, namely Credit
terdiri dari 8 jenis risiko yang diukur sesuai dengan kompleksitas Risk, Market Risk, Liquidity Risk, Operational Risk, Compliance
bisnis Bank, yaitu Risiko Kredit, Risiko Pasar, Risiko Likuiditas, Risiko Risk, Legal Risk, Reputation Risk, & and Strategic Risk. In addition,
Operasional, Risiko Kepatuhan, Risiko Hukum, Risiko Reputasi, dan there are 2 (two) types of additional risk that are assessed at Bank
Risiko Stratejik. Selain itu, terdapat 2 jenis risiko tambahan yang Nano Syariah, namely Investment Risk and Return Risk, as well
dinilai pada Bank Nano Syariah, yaitu Risiko Investasi dan Risiko Imbal as 2 additional types of risks, namely Intra-Group Transaction
Hasil serta 2 jenis risiko tambahan, yaitu Risiko Transaksi Intra grup Risk and Insurance Risk where the Bank is designated as the Lead
dan Risiko Asuransi di mana Bank ditunjuk sebagai Entitas Utama Entity of Sinar Mas Financial Conglomeration. Management of all
dari Konglomerasi Keuangan Sinar Mas. Pengelolaan terhadap faced risks is conducted prioritizing the principles of caution and
seluruh risiko yang dihadapi dilaksanakan dengan mengutamakan compliance with regulatory provisions.
prinsip kehati-hatian dan kesesuaian dengan ketentuan regulator.
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Prinsip Three Lines Models Three Lines Models Principles
Bank Sinarmas menerapkan manajemen risiko dengan pendekatan Bank Sinarmas implements risk management with a comprehensive
yang komprehensif dan tepat melalui penerapan konsep Modal 3 and appropriate approach through the application of the Three
Baris (Three Line Models). Konsep ini mengorganisasikan fungsi- Lines of Models. This concept organizes the functions involved in
fungsi yang terlibat dalam manajemen risiko menjadi 3 kelompok risk management into 3 main groups, namely risk owners, risk
utama, yaitu pemilik risiko (risk owner), pengawas risiko (risk overseer, and independent assurance providers. In addition, the
overseer), dan penyedia pemastian independen. Di samping itu, Bank also involves external parties as an additional line.
Bank juga melibatkan pihak eksternal sebagai lapis tambahan.
Three Lines Models
The Internal Audit
Third Lines
(Eksternal Auditor, Regulator)
Additional Line
Risk
Management,
The Second Lines Compliance,
Assurance
Risk Taking,
The First Lines Unit/
Bussiness Unit
1. Lapis pertama adalah pemilik risiko yang bertanggung jawab 1. The first line is the risk owner who is responsible for managing
mengelola risiko dan menerapkan pengendalian internal risks and implementing internal controls on the inherent risks
pada risiko yang melekat dalam pekerjaan sehari-hari, serta in daily operations, as well as taking corrective actions to
melakukan tindakan korektif dalam mengatasi kelemahan address weaknesses in processes and controls.
pada proses dan pengendalian.
2. Lapis kedua adalah fungsi atau unit organisasi yang 2. The second line is a function or organizational unit providing
memberikan rekomendasi kepada lapis pertama dalam recommendations to the first line in implementing established
implementasi kebijakan risiko yang telah ditetapkan, risk policies, monitoring the controls of the first line, and
memantau pengendalian lapis pertama, dan memastikan lapis ensuring that the first line fulfills its responsibilities adequately.
pertama melakukan tanggung jawabnya dengan memadai. This function is carried out by the Risk Management Work Unit
Fungsi ini dilakukan oleh Risk Management Group, Satuan (SKMR), Compliance Work Unit (SKK), and Quality Assurance.
Kerja Kepatuhan (SKK), dan Penjaminan Mutu.
3. Lapis ketiga adalah Satuan Kerja Audit Internal yang 3. The third line is the Internal Audit Work Unit that
memastikan secara independen pelaksanaan dari lapis independently ensures the implementation of the first and
pertama dan lapis kedua terhadap tata kelola, manajemen second lines related to governance, risk management, and
risiko, dan pengendalian internal. internal controls.
4. Untuk lapis tambahan, dilakukan oleh auditor eksternal dan 4. For the additional layer, it is carried out by external auditors
regulator yang memberikan tambahan informasi penerapan and regulators who provide additional information on the
manajemen risiko Bank kepada para pemangku kepentingan. implementation of the Bank’s risk management to stakeholders.
Fokus Manajemen Risiko 2023 Risk Management Focus in 2023
Di tengah inflasi global yang mulai menurun, suku bunga acuan Amidst the declining global inflation, the benchmark interest rates
beberapa negara masih berada pada level relatif tinggi seiring of several countries remain relatively high, in line with inflation
dengan tingkat inflasi yang masih belum mencapai target, yaitu di levels that have not yet reached the target, which is around
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kisaran 2%. Meski tingkat inflasi mulai menurun, tekanan inflasi 2%. Although the inflation rate is starting to decrease, future
ke depan diperkirakan masih berpotensi tinggi utamanya karena inflationary pressures are still expected to be high, primarily due
kenaikan harga energi dan pangan akibat kondisi geopolitik di to the increase in energy and food prices resulting from ongoing
berbagai wilayah yang masih berlanjut. Perlambatan ekonomi geopolitical conditions in various regions. The slowdown in China’s
Tiongkok juga perlu diwaspadai karena dapat memengaruhi arus economy also needs to be monitored as it can affect trade flows
perdagangan dan pertumbuhan ekonomi global ke depan. and global economic growth in the future.
Di tengah ketidakpastian global tersebut, pada triwulan III-2023, Amidst that global uncertainty, in the third quarter of 2023, the
ekonomi domestik relatif tumbuh kuat yaitu sebesar 4,94% (yoy), domestic economy grew relatively strong at 4.94% (yoy), although
meski melambat dari triwulan sebelumnya sebesar 5,17% (yoy). it slowed down from the previous quarter which was 5.17% (yoy).
Relatif kuatnya pertumbuhan ekonomi domestik utamanya didorong The relatively strong growth of the domestic economy was mainly
oleh permintaan yang kuat tercermin pada tingginya konsumsi driven by robust demand reflected in high household consumption
rumah tangga serta meningkatnya investasi di tengah turunnya and increasing investment amid declining government spending
pengeluaran pemerintah dan kinerja ekspor, masing-masing karena and export performance, respectively due to shifts in employee
pergeseran belanja pegawai dan penurunan nilai ekspor maupun spending and a decrease in the value of exports and imports in line
impor sejalan dengan perlambatan ekonomi global. with the global economic slowdown.
Ekonomi domestik yang relatif kuat juga terlihat pada indikator The relatively strong domestic economy could also be seen in
perbankan sebagaimana terlihat pada pertumbuhan kredit (Bank banking indicators, as seen in the growth of credit (Commercial
umum) yang masih cukup baik yaitu sebesar 8,96% (yoy) meskipun Banks), which remained quite healthy at 8.96% (yoy) although
melambat dari periode yang sama tahun sebelumnya sebesar slower than the same period a year earlier at 11.00% (yoy). This
11,00% (yoy). Pertumbuhan kredit tersebut turut didorong oleh credit growth was driven by improved business activities and
membaiknya aktivitas usaha dan meningkatnya tingkat keyakinan increased consumer confidence.
(optimisme) konsumen.
Dalam rangka memitigasi potensi risiko bagi Bank dan perbaikan To mitigate potential risks for the Bank and ensure continuous
berkelanjutan maka selama tahun 2023 Bank telah melakukan improvement, throughout 2023, the Bank implemented several
beberapa penyempurnaan dan/atau strategi dalam mengendalikan improvements and/or strategies in risk control, including:
risiko, antara lain:
1. Bank mengantisipasi Risiko Kredit dengan melakukan 1. The Bank anticipated Credit Risk by carrying out Covid loan
restrukturisasi Covid untuk debitur yang usahanya terkena restructuring for borrowers whose businesses were affected
dampak Covid-19 dengan mengacu pada Peraturan Otoritas by Covid-19, in accordance with Financial Services Authority
Jasa Keuangan No. 48/POJK.03/2020 dan Peraturan Otoritas Regulation No. 48/POJK.03/2020 and Financial Services
Jasa Keuangan No. 11/POJK.03/2020 tentang Stimulus Authority Regulation No. 11/POJK.03/2020 on the National
Perekonomian Nasional sebagai Kebijakan Countercyclical Economic Stimulus Policy as a countercyclical policy to mitigate
dampak penyebaran Covid-19, dan Peraturan Otoritas Jasa the impact of the Covid-19 spread, and Financial Services
Keuangan No. 17/POJK.03/2021 tentang Perubahan Kedua Authority Regulation No. 17/POJK.03/2021 on the Second
atas Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2020 Amendment to Financial Services Authority Regulation No. 11/
tentang Stimulus Perekonomian Nasional sebagai Kebijakan POJK.03/2020 on the National Economic Stimulus Policy as a
Countercyclical Dampak Penyebaran Coronavirus Disease 2019. countercyclical policy for the Impact of the Coronavirus Disease
Bank selalu menerapkan prinsip kehati-hatian dan selektif dalam 2019 Spread. The Bank always applies prudential principles and
pemberian kredit, dengan menyalurkan kredit ke sektor-sektor selectivity in granting credit, by channeling credit to specific
tertentu yang masih memiliki prospek dan kepada debitur yang sectors that still have prospects and to borrowers affected by
terdampak Covid-19 yang masih memiliki prospek usaha; Covid-19 who still have business prospects;
2. Mengembangkan Budaya Manajemen Risiko, termasuk 2. Developed a Risk Management Culture, including risk
kesadaran risiko pada seluruh jenjang organisasi, meliputi awareness at all organizational levels, including adequate
sosialisasi dan komunikasi yang memadai kepada seluruh outreach and communication throughout the organization
jenjang organisasi tentang pentingnya penerapan manajemen regarding the importance of effective risk management
risiko yang efektif; implementation;
3. Memastikan bahwa Fungsi Manajemen Risiko telah 3. Ensured that the Risk Management Function was applied
diterapkan secara independen, tercermin antara lain adanya independently. It was reflected, among other, in the
pemisahan fungsi antara Risk Management Group yang separation of functions between the Risk Management Group
melakukan identifikasi, pengukuran, pemantauan, dan which identified, measured, monitored, and controlled risks
pengendalian risiko dengan satuan kerja yang melakukan dan and the units that executed and settled transactions;
menyelesaikan transaksi;
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4. Melalui Komite Manajemen Risiko, Komite Manajemen 4. Through the Risk Management Committee, the Integrated Risk
Risiko Terintegrasi dan Komite Pemantauan Risiko, Direksi Management Committee, and the Risk Monitoring Committee,
bersama Komisaris telah melakukan pengawasan aktif atas the Board of Directors together with the Commissioners
penerapan manajemen risiko yang efektif dengan melakukan had actively overseen the effective implementation of risk
rapat secara berkala membahas agenda dan/atau proposal management by holding regular meetings to discuss agendas
mengenai manajemen risiko; and/or proposals regarding risk management;
5. Telah dilakukan langkah-langkah perbaikan atas permasalahan 5. Remedial actions were taken for issues and/or weaknesses in
dan/atau kelemahan dalam kegiatan usaha Bank yang the Bank’s business activities identified by the Internal Audit
ditemukan oleh SKAI; Work Unit (IAU);
6. Bank telah menyempurnakan metodologi perhitungan aktiva 6. The Bank refined the methodology for calculating Risk-
tertimbang menurut risiko (ATMR) untuk Risiko Kredit dan Weighted Assets (RWA) for Credit Risk and Operational Risk
Risiko Operasional menggunakan metode standar sesuai using standard methods as prescribed by the regulator;
dengan ketentuan regulator;
7. Bank telah melakukan kaji ulang dalam rangka penyempurnaan 7. The Bank conducted a review for the enhancement of assessment
metodologi penilaian, penyusunan parameter penilaian, bobot methodology, the formulation of assessment parameters,
dan rentang risiko untuk laporan Profil Risiko Bank dan Profil weights, and risk ranges for the Bank’s Risk Profile and Integrated
Risiko Terintegrasi bagi Konglomerasi Keuangan Sinar Mas; Risk Profile for Sinar Mas Financial Conglomeration;
8. Risk Appetite & Risk Tolerance telah dikaji ulang dan ditetapkan 8. Reviewed and established Risk Appetite & Risk Tolerance in
sesuai dengan strategi dan kerangka Manajemen Risiko Bank; accordance with the Bank’s risk management strategy and
framework;
9. Telah dilakukan penyusunan, kaji ulang, dan penetapan 9. Mechanisms for transaction approval, including in cases of
mekanisme persetujuan transaksi, termasuk jika terdapat limit breaches, and authorities for each level of position had
pelampauan limit dan kewenangan untuk setiap jenjang jabatan; been formulated, reviewed, and established;
10. Bank telah melakukan kaji ulang beberapa Kebijakan dan 10. The Bank conducted a review of several Policies and
Prosedur antara lain Kebijakan Perkreditan, Kebijakan Kewajiban Procedures including the Credit Policy, Integrated Minimum
Penyediaan Modal Minimum Terintegrasi, Kebijakan Penanganan Capital Adequacy Policy, Policy for Handling Credits/Financing
Kredit/Pembiayaan Yang Terdampak Penyebaran Virus Covid-19, Affected by the Spread of the Covid-19 Virus, User Matrix,
User Matrix, Kebijakan Pinjaman Likuiditas Jangka Pendek (PLJP) Short-Term Liquidity Loan Policy to Bank Indonesia, the
Kepada Bank Indonesia, Peran Risk Management Group dalam Role of the Risk Management Group in Conducting Risk
Melaksanakan Risk Assessment dan Monitoring, Kebijakan Assessment and Monitoring, Policy for the Application of
Penerapan Pernyataan Standar Akuntansi Keuangan (PSAK) the Financial Accounting Standards (PSAK) 71: Classification,
71: Classification, Measurement, dan Impairment untuk Semua Measurement, and Impairment for All Financial Instruments,
Instrumen Keuangan, Pedoman dan Tata Tertib Kerja untuk Charter and Code of Conduct for the Bank’s Risk Management
Komite Manajemen Risiko Bank serta Komite Manajemen Risiko Committee, and the Integrated Risk Management Committee
Terintegrasi Bagi Konglomerasi Keuangan Sinarmas; for Sinar Mas Financial Conglomeration;
11. Bank juga telah melaksanakan stress testing Risiko Kredit, 11. The Bank also regularly conducted stress testing for Credit Risk,
Risiko Pasar, Risiko Likuiditas, dan Risiko Operasional secara Market Risk, Liquidity Risk, and Operational Risk to test the
berkala dalam rangka menguji ketahanan aktivitas bisnis, resilience of business activities, the impact on non-performing
dampak terhadap non-performing loan (NPL), cadangan loans (NPLs), allowance for impairment losses (CKPN), and the
kerugian penurunan nilai (CKPN), dan permodalan Bank capital adequacy of Bank Sinarmas. Additionally, the Bank
Sinarmas. Selain itu, Bank juga dilakukan perhitungan Stress conducted integrated Stress Testing calculations for Sinar Mas
Testing Terintegrasi Konglomerasi Keuangan Sinarmas di mana Financial Conglomeration, where the Bank acts as the Lead
Bank selaku Entitas Utama. Entity;
12. Untuk meningkatkan kualitas sumber daya manusia dalam 12. To enhance the quality of human resources in risk
melakukan pengelolaan risiko, Bank telah mengadakan management, the Bank conducted various trainings,
sejumlah training, baik yang diadakan secara inhouse dan both in-house and external, including Risk Management
eksternal, antara lain training Upskilling Out of The Box Risk Group Upskilling Out of The Box training, Tableau training,
Management Group, Training Tableau, Training Penerapan Integrated Risk Management Training for Sinar Mas Financial
Manajemen Risiko Terintegrasi Bagi Konglomerasi Keuangan Conglomeration, training through the UDEMY platform, Risk
Sinar Mas, Training melalui platform UDEMY, Refreshment Management Certification Refreshment, and others;
Sertifikasi Penerapan Manajemen Risiko, serta lain sebagainya;
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13. Bank secara terus menerus dan berkesinambungan melakukan 13. The Bank continuously and consistently developed its treasury
pengembangan sistem treasuri, yaitu Sistem Treasury (OSTS) system, namely the Integrated Treasury System (OSTS), which
yang terintegrasi dengan manajemen Risiko Pasar dan Risiko was integrated with Market Risk and Liquidity Risk Management
Likuiditas untuk mendukung pelaksanaan proses identifikasi, to support the implementation of risk identification,
pengukuran, pemantauan, dan pengendalian risiko; measurement, monitoring, and control processes;
14. Secara bertahap, Bank melakukan peningkatan dalam 14. The Bank gradually enhanced the risk management within the
pengelolaan risiko yang ada pada Unit Usaha Syariah dan Sharia Business Unit and prepared infrastructure for the spin-
mempersiapkan infrastruktur dalam rangka spin off Unit Usaha off of the Sharia Business Unit of Sinarmas Bank into a Sharia
Syariah Sinarmas Bank menjadi Bank Umum Syariah; Commercial Bank;
15. Sehubungan dengan dikeluarkannya Peraturan Otoritas Jasa 15. In relation to the issuance of Financial Services Authority
Keuangan No.12/POJK.03/2021 pada Juli 2021 tentang Bank Regulation No. 12/POJK.03/2021 in July 2021 on Commercial
Umum di mana berdasarkan modal inti yang dimiliki Bank maka Banks, the Bank was categorized into KBMI 2 based on its core
Bank dikelompokkan menjadi KBMI 2. Oleh karena itu, Bank capital. Thus, the Bank conducted calculations and submitted
telah melakukan perhitungan dan menyampaikan pelaporan reports for liquidity ratios, namely liquidity coverage ratio
untuk rasio likuiditas yaitu liquidity coverage ratio (LCR) dan net (LCR) and net stable funding ratio (NSFR), as well as interest
stable funding ratio (NSFR) serta interest rate risk in banking rate risk in the banking book (IRRBB) since the implementation
book (IRRBB) sejak diberlakukannya Peraturan Otoritas Jasa of this Financial Services Authority Regulation in a timely
Keuangan tersebut secara tepat waktu dan telah dipublikasikan manner, and published them in accordance with regulatory
sesuai ketentuan regulator; provisions;
16. Terkait penerapan manajemen risiko suku bunga pada buku 16. In term of the implementation of interest rate risk in the
bank (IRRBB) diterapkan untuk mengidentifikasi, mengukur, banking book (IRRBB), it was applied to identify, measure,
dan memantau serta mengendalikan pergerakan suku monitor, and control interest rate movements that may cause
bunga yang dapat menyebabkan perubahan pada nilai kini changes in the present value and timing of cash flows in the
dan penetapan waktu arus kas pada masa mendatang yang future, which affected the economic value of assets, liabilities,
mempengaruhi nilai ekonomis dari aset, liabilitas dan transaksi administrative account transactions, and caused changes in
rekening administratif serta menyebabkan perubahan pada net interest income. Interest rate risk in the banking book
pendapatan bunga bersih. Risiko suku bunga dalam buku bank (IRRBB) was measured based on the impact of interest rate
(IRRBB) diukur berdasarkan dampak perubahan suku bunga changes on the economic value of equity (EVE) and changes
terhadap perubahan nilai ekonomis dari ekuitas (economic in net interest income (NII). Interest rate risk management was
value of equity/EVE) dan perubahan pada pendapatan bunga completed with periodic sensitivity analysis to measure the
bersih (net interest income/NII). Pengelolaan risiko suku bunga impact of significant interest rate changes;
dilengkapi dengan analisa sensitivitas secara periodik untuk
mengukur dampak dari perubahan suku bunga yang signifikan;
17. Tingkat risiko yang dihadapi Bank telah dipantau secara 17. The level of risk faced by the Bank was periodically monitored,
berkala dan secara keseluruhan proses manajemen risiko and overall risk management processes were carried out
dijalankan berdasarkan pada penerapan prinsip GCG dan based on the implementation of GCG (Good Corporate
prinsip kehati-hatian; Governance) and prudential principles;
18. Seluruh risiko yang material dan dampak yang ditimbulkan oleh 18. All material risks and the impacts caused by risks were
risiko telah ditindaklanjuti dan disampaikan pertanggungjawaban followed up and reported to the Board of Commissioners and
kepada Dewan Komisaris dan regulator, termasuk langkah- regulators, including the corrective measures that had, were
langkah perbaikan yang telah, sedang, dan akan dilakukan; serta being, and would be taken; and
19. Bank senantiasa meningkatkan risk awareness dari sisi 19. The Bank continuously enhanced risk awareness from
informasi dan teknologi yang sejalan dengan di terbitkannya the information and technology perspective in line with
Peraturan Otoritas Jasa Keuangan No. 29/SEOJK.03/2022 the issuance of Financial Services Authority Regulation
tentang Ketahanan dan Keamanan Siber Bagi Bank Umum No. 29/SEOJK.03/2022 on Cyber Resilience and Security
yaitu dengan melakukan pengukuran mandiri atau penilaian for Commercial Banks, by conducting independent
sendiri (self-assessment) yang mengacu kepada parameter, measurements or self-assessments that refer to parameters,
threshold dan bobot risiko yang telah di tetapkan serta disetujui thresholds, and risk weights established and approved by
oleh Komite Manajemen Risiko dan Komite Pemantau Risiko. the Risk Management Committee and the Risk Monitoring
Committee.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Struktur Organisasi Manajemen Risiko Risk Management Organizational Structure
Bank Sinarmas
Bank Sinarmas telah memiliki struktur organisasi yang memadai Bank Sinarmas has a well-established organizational structure
untuk mendukung penerapan manajemen risiko. Organ dalam to support the implementation of risk management. The organs
struktur tersebut diuraikan sebagai berikut. within the structure are outlined as follows.
Compliance &
Risk Management Director
Risk Management Group Head
Credit Risk Management Operational & IT Risk Management Market, Liquidity & Enterprise
Division Head Division Head Risk Management Division Head
Organ Struktur Manajemen Risiko Bank Sinarmas
Bank Sinarmas Risk Management Structure Organ
Organ Wewenang dan Tanggung Jawab
Organ Authority and Responsibility
Risk Management Group
Risk Management Group • Memberikan masukan kepada Direksi dalam penyusunan • Providing input to the Board of Directors in formulating
merupakan satuan kebijakan, strategi dan kerangka manajemen risiko; policies, strategies, and risk management frameworks;
kerja yang menjalankan • Mengembangkan prosedur dan alat untuk identifikasi, • Developing procedures and tools for risk identification,
fungsi pengelolaan pengukuran, pemantauan, dan pengendalian risiko; measurement, monitoring, and control;
penerapan manajemen • Mendesain dan menerapkan perangkat yang dibutuhkan • Designing and implementing necessary instruments for risk
risiko pada aktivitas dalam penerapan manajemen risiko; management implementation;
operasional Bank. Organ • Memantau implementasi kebijakan, strategi, dan kerangka • Monitoring the implementation of policies, strategies, and risk
ini merupakan bagian dari manajemen risiko yang direkomendasikan oleh Komite; management frameworks recommended by the Committee;
Direktorat Kepatuhan dan • Memantau implementasi kebijakan, strategi, dan kerangka • Monitoring the implementation of policies, strategies,
Manajemen Risiko yang manajemen risiko yang direkomendasikan oleh Komite and risk management frameworks recommended by the
memiliki 3, Divisi yaitu: Manajemen Risiko dan yang telah disetujui oleh Direksi; Risk Management Committee and approved by the Board
• Credit Risk of Directors;
Management Division; • Memantau posisi/eksposur risiko secara keseluruhan, • Monitoring the overall risk position/exposure, as well as
• Operational & IT Risk maupun per risiko termasuk pemantauan kepatuhan individual risks including compliance monitoring with risk
Management Division; terhadap toleransi risiko dan limit yang ditetapkan; tolerances and set limits;
dan • Melakukan stress testing guna mengetahui dampak dari • Conducting stress testing to assess the impact of risk
• Market, Liquidity implementasi kebijakan dan strategi manajemen risiko management policy and strategy implementation on the
& Enterprise Risk terhadap portofolio atau kinerja Bank secara keseluruhan; portfolio or overall performance of the Bank;
Management Division. • Memberikan rekomendasi kepada satuan kerja bisnis dan/ • Providing recommendations to business units and/or the
The Risk Management atau kepada Komite Manajemen Risiko terkait penerapan Risk Management Committee regarding risk management
Group is a work manajemen risiko antara lain mengenai besaran atau implementation, including the maximum risk exposure that
unit carrying out the maksimum eksposur risiko yang dapat dipelihara Bank; the Bank can maintain;
function of managing • Mengevaluasi akurasi dan validitas data yang digunakan oleh • Evaluating the accuracy and validity of the data used by
the implementation of Bank untuk mengukur risiko bagi Bank yang menggunakan the Bank to measure risks for Banks utilizing models for
risk management in the model untuk keperluan internal; internal purposes;
operational activities of the • Menyusun dan menyampaikan laporan profil risiko kepada • Compiling and delivering risk profile reports to the
Bank. This unit is part of Direktur Utama, Direktur Manajemen Risiko, dan Komite President Director, Risk Management Director, and the Risk
the Compliance and Risk Manajemen Risiko secara berkala atau paling kurang Management Committee periodically or at least quarterly.
Management Directorate, secara triwulanan. Frekuensi laporan harus ditingkatkan The frequency of reporting should be increased if market
which consists of 3 apabila kondisi pasar berubah dengan cepat; conditions change rapidly;
divisions, namely: • Melaksanakan kaji ulang secara berkala dengan frekuensi • Conducting regular reviews with a frequency adjusted to
• Credit Risk yang disesuaikan kebutuhan Bank, untuk memastikan: the Bank's needs, to ensure:
Management Division; - Kecukupan kerangka manajemen risiko; - Adequacy of the risk management framework;
• Operational & IT Risk - Keakuratan metodologi penilaian risiko; dan - Accuracy of risk assessment methodologies; and
Management Division; - Kecukupan sistem informasi manajemen risiko. - Adequacy of the risk management information systems.
and
• Market, Liquidity
& Enterprise Risk
Management Division.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Organ Wewenang dan Tanggung Jawab
Organ Authority and Responsibility
Komite Manajemen Risiko
Risk Management Committee
Komite Manajemen Komite Manajemen Risiko memiliki tugas dan tanggung jawab The Risk Management Committee has duties and responsibilities
Risiko merupakan komite memberikan rekomendasi kepada Direktur Utama terkait to provide recommendations to the President Director regarding
yang dibentuk dengan penerapan manajemen risiko berupa proses identifikasi, the implementation of risk management, including the processes
tujuan menjalankan pengukuran, pemantauan, pengendalian dan sistem informasi of identification, measurement, monitoring, control, and
fungsi manajemen manajemen yang paling sedikit mencakup: management information systems, at least including:
risiko pada level Direksi • Penyusunan kebijakan, strategi, dan pedoman penerapan • Formulation of policies, strategies, and guidelines for the
dan pejabat eksekutif manajemen risiko serta perubahannya, termasuk strategi implementation of risk management and any changes
untuk mengarahkan manajemen risiko, tingkat risiko yang diambil dan toleransi thereto, including risk management strategies, risk appetite,
serta menyetujui risiko, kerangka manajemen risiko serta rencana kontinjensi risk tolerance levels, risk management frameworks, and
penyusunan strategi, untuk mengantisipasi terjadinya kondisi tidak normal; contingency plans to anticipate abnormal conditions;
kebijakan, prosedur, • Perbaikan atau penyempurnaan pelaksanaan manajemen • Improvement or refinement of risk management
limit dan metodologi risiko secara berkala maupun bersifat insidental sebagai implementation on a regular basis or incidentally as a result
yang digunakan untuk akibat dari suatu perubahan kondisi eksternal dan internal of changes in external and internal conditions of the Bank
memitigasi risiko yang Bank yang mempengaruhi kecukupan permodalan, Profil that affect capital adequacy, the Bank's risk profile, and the
mungkin di hadapi. Risiko Bank, dan tidak efektifnya penerapan manajemen ineffectiveness of risk management implementation based
The Risk Management risiko berdasarkan hasil evaluasi; on evaluation results;
Committee is a • Penetapan kebijakan dan/atau keputusan bisnis yang • Determination of policies and/or business decisions that
committee formed menyimpang dari prosedur normal, seperti pelampauan deviate from normal procedures, such as significant
aiming to carry out risk ekspansi usaha yang signifikan dibandingkan dengan business expansion beyond the Bank's previously
management functions rencana bisnis Bank yang telah ditetapkan sebelumnya established business plans or taking positions/exposures
at the Board of Directors atau pengambilan posisi/eksposur risiko yang melampaui that exceed the predefined limits, which can be conveyed
and executive officer limit yang telah ditetapkan yang dapat disampaikan through Risk Management Committee meetings or
levels to direct and melalui rapat Komite Manajemen Risiko atau dilakukan through internal memorandum circulation;
approve the formulation melalui sirkulasi memorandum internal;
of strategies, policies, • Menyetujui laporan Tingkat Kesehatan Bank yang meliputi • Approval of the Bank's Soundness Level Report, which
procedures, limits, and Laporan Profil Risiko Bank (yang mencakup 8 jenis risiko, yaitu includes the Bank's Risk Profile Report (covering 8 types
methodologies used to Risiko Kredit, Risiko Pasar, Risiko Likuiditas, Risiko Stratejik, of risks such as Credit Risk, Market Risk, Liquidity Risk,
mitigate potential risks. Risiko Operasional, termasuk Risiko Siber sebagai indikator Strategic Risk, Operational Risk, including Cyber Risk as
tambahan, Risiko Kepatuhan, Risiko Reputasi dan Risiko an additional indicator, Compliance Risk, Reputation
Hukum serta terdapat tambahan 2 risiko terkait syariah, yaitu Risk, and Legal Risk, as well as 2 additional Sharia-related
Risiko Investasi dan Risiko Imbal Hasil) Laporan Tata Kelola risks, namely Investment Risk and Yield Risk), Governance
Bank, Laporan Rentabilitas Bank, dan Laporan Permodalan Report, Profitability Report, and Capital Report, which must
Bank yang wajib disampaikan secara berkala kepada regulator be submitted periodically to regulators on a quarterly and
yaitu triwulan dan semester yang disampaikan dan disetujui semi-annual basis and approved through Risk Management
melalui rapat Komite Manajemen Risiko; Committee meetings;
• Menyetujui laporan lain yang wajib di laporkan kepada • Approval of other reports that must be submitted to
regulator secara berkala, seperti Laporan Internal Capital regulators periodically, such as the Internal Capital
Adequacy Assessment Process (ICAAP), Laporan Stress Test, Adequacy Assessment Process (ICAAP) Report, Stress
dan lain-lain yang perlu disampaikan dan disetujui melalui Test Report, and others that need to be submitted and
rapat Komite Manajemen Risiko atau melalui sirkulasi approved through Risk Management Committee meetings
memorandum internal; or internal memorandum circulation;
• Menjalankan fungsi yang lain seperti yang diarahkan oleh • Performing other functions as directed by the President
Direktur Utama dan/atau Komite Pemantau Risiko; dan Director and/or the Risk Monitoring Committee; and
• Komite Manajemen Risiko menyetujui rencana kerja • The Risk Management Committee approves the work
yang disusun dan disampaikan oleh sekretaris Komite plan prepared and submitted by the Risk Management
Manajemen Risiko. Committee secretary.
Keanggotaan Komite Manajemen Risiko Risk Management Committee Membership
Keanggotaan Komite Manajemen Risiko sesuai dengan The Risk Management Committee's membership is in line with
Pedoman dan Tata Tertib Kerja Komite Manajemen Risiko, the Charter and Working Procedures of the Risk Management
sebagai berikut: Committee, as follows:
• Ketua (merangkap anggota tetap), yaitu Direktur yang • Chairperson (also a permanent member), namely the
membawahi Kepatuhan dan Manajemen Risiko Director in Charge of Compliance and Risk Management
• Sekretaris (merangkap anggota tetap), yaitu Risk • Secretary (also a permanent member), namely the Risk
Management Group Head Management Group Head
• Anggota Tetap, yaitu seluruh Direktur • Permanent Members, consisting of all Directors
• Anggota Tidak Tetap yaitu terdiri dari: • Non-Permanent Members, consisting of:
- Bidang Audit Internal - Internal Audit Department
- Bidang Compliance - Compliance Department
- Bidang Legal - Legal Department
- Bidang Perkreditan/Lending - Credit/Lending Department
- Bidang Treasury & Financial Institution - Treasury & Financial Institutions Department
- Bidang Payment & Transaction - Payment & Transaction Department
- Bidang Finance & Accounting - Finance & Accounting Department
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Organ Wewenang dan Tanggung Jawab
Organ Authority and Responsibility
- Bidang Operations - Operations Department
- Bidang Information Technology - Information Technology Department
- Bidang Dana Pihak Ketiga/Liability - Third Party Funds/Liability Department
- Bidang Syariah - Sharia Department
- Bidang Securities Services - Securities Services Department
- Bidang Finance & Performance Management - Finance & Performance Management Department
- Bidang Human Capital - Human Capital Department
- Bidang Digital Banking - Digital Banking Department
- Bidang Sales and Distribution - Sales and Distribution Department
Keputusan Komite Manajemen Risiko Risk Management Committee Decision
• Penyusunan kebijakan, strategi, dan pedoman penerapan • Preparing policies, strategies, and guidelines for risk
manajemen risiko serta perubahannya, termasuk strategi management implementation and its modifications,
manajemen risiko, tingkat risiko yang diambil dan toleransi including risk management strategies, risk appetite and
risiko, kerangka manajemen risiko serta rencana kontinjensi tolerance, risk management framework, and contingency
untuk mengantisipasi terjadinya kondisi tidak normal; plans to anticipate abnormal conditions;
• Perbaikan atau penyempurnaan pelaksanaan manajemen • Improving risk management implementation on a periodic
risiko secara berkala maupun bersifat insidentil sebagai or incident-specific basis due to changes in external and
akibat dari suatu perubahan kondisi eksternal dan internal internal conditions affecting capital adequacy, the Bank's
Bank yang memengaruhi kecukupan permodalan, profil risk profile, and the ineffectiveness of risk management
risiko bank, dan tidak efektifnya penerapan manajemen implementation based on evaluation results;
risiko berdasarkan hasil evaluasi;
• Penetapan kebijakan dan/atau keputusan bisnis yang • Determination of policies and/or business decisions
menyimpang dari prosedur normal, seperti pelampauan deviating from normal procedures, such as significant
ekspansi usaha yang signifikan dibandingkan dengan business expansion beyond the previously established
rencana bisnis Bank yang telah ditetapkan sebelumnya business plan or taking positions/exposures exceeding set
atau pengambilan posisi/eksposur risiko yang melampaui limits, which may be conveyed through Risk Management
limit yang telah ditetapkan yang dapat disampaikan Committee meetings or conducted via internal
melalui rapat Komite Manajemen Risiko atau dilakukan memorandum circulation
melalui sirkulasi memorandum internal;
• Menyetujui laporan Tingkat Kesehatan Bank yang meliputi • Approving the Bank's Soundness Level report, which
Laporan Profil Risiko Bank (yang mencakup 8 jenis risiko, includes the Bank's Risk Profile Report (covering 8 types
yaitu Risiko Kredit, Risiko Pasar, Risiko Likuiditas, Risiko of risks: Credit Risk, Market Risk, Liquidity Risk, Strategic
Stratejik, Risiko Operasional, termasuk Risiko Siber sebagai Risk, Operational Risk, including Cyber Risk as an additional
indikator tambahan, Risiko Kepatuhan, Risiko Reputasi indicator, Compliance Risk, Reputation Risk, and Legal
dan Risiko Hukum namun terdapat tambahan 2 risiko Risk, but with additional 2 Sharia-related risks, namely
terkait syariah, yaitu Risiko Investasi dan Risiko Imbal Hasil) Investment Risk and Return Risk), Governance Report,
Laporan Tata Kelola Bank, Laporan Rentabilitas Bank, dan Bank's Profitability Report, and Bank's Capital Report,
Laporan Permodalan Bank yang wajib disampaikan secara which must be submitted periodically to the regulator on a
berkala kepada regulator yaitu triwulan dan semesteran quarterly and semi-annual basis and approved through Risk
yang disampaikan dan disetujui melalui rapat Komite Management Committee meetings;
Manajemen Risiko;
• Menyetujui laporan lain yang wajib di laporkan kepada • Approving other reports that are required to be periodically
regulator secara berkala, seperti Laporan Internal Capital reported to regulators, such as the Internal Capital
Adequacy Assessment Process (ICAAP), Laporan Stress Test, Adequacy Assessment Process (ICAAP) Report, Stress Test
dan lain-lain yang dapat disampaikan dan disetujui melalui Report, and others, which may be submitted and approved
rapat Komite Manajemen Risiko atau melalui sirkulasi through Risk Management Committee meetings or via
memorandum internal; dan internal memorandum circulation; and
• Menjalankan fungsi yang lain seperti yang diarahkan oleh • Fulfilling other functions as directed by the President
Presiden Direktur dan/atau Komite Pemantau Risiko. Director and/or the Risk Monitoring Committee.
Komite Manajemen Risiko menyetujui rencana kerja yang disusun The Risk Management Committee approves the work
dan disampaikan oleh sekretaris Komite Manajemen Risiko. plan prepared and submitted by the Risk Management
Committee secretary.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Organ Wewenang dan Tanggung Jawab
Organ Authority and Responsibility
Realisasi Rencana Kerja Komite Manajemen Risiko 2023 Implementation of Risk Management Committee Work
Plan 2023
• Menyetujui Risk Appetite & Risk Tolerance Bank 2023 • Approved the Bank's Risk Appetite & Risk Tolerance 2023
termasuk Revisi Risk Appetite & Risk Tolerance Bank; including revisions to the Bank's Risk Appetite & Risk
Tolerance;
• Menyetujui Penilaian Laporan Profil Risiko 2023 - Bank dan • Approved of the Assessment of Risk Profile Reports 2023 -
UUS; Bank and UUS;
• Menyetujui Penilaian Laporan Tingkat Kesehatan Bank dan • Approved the Assessment of Bank Soundness Level Reports
ICAAP 2023; and ICAAP 2023;
• Menyetujui penyempurnaan proses Manajemen Risiko • Approved of the improvement of the Risk Management
secara berkala maupun bersifat insidentil sebagai akibat process on a periodic or incidental basis as a result of
dari suatu perubahan kondisi eksternal dan internal Bank changes in external and internal conditions of the Bank
yang mempengaruhi kecukupan permodalan, profil Risiko affecting capital adequacy, Bank Risk Profile, and the
Bank, dan tidak efektifnya penerapan Manajemen Risiko ineffectiveness of Risk Management implementation based
berdasarkan hasil evaluasi, antara lain berupa: on evaluations, including but not limited to:
- Pemantauan Realisasi Rasio Inklusif Makroprudensial - Monitoring of the Realization of the Macroprudential
(RPIM); Inclusive Ratio (RPIM);
- Pemantauan dan Pelaporan Perkembangan Restrukturisasi - Monitoring and Reporting on the Progress of Covid-19
Covid-19; Restructuring;
- Penilaian Profil Risiko terkait Keamanan dan Ketahanan - Assessment of Cyber Security and Resilience Risk
Siber; Profiles;
- Metodologi Perhitungan ATMR Risiko Pasar Basel 3 Reform; - Calculation Methodology of Market Risk ATMR Basel 3
Reform;
- Proposal Penyelarasan Penerapan Manajemen Risiko - Proposal for Alignment of Risk Management
sesuai POJK No. 17 Tahun 2023 dalam hal KMR dan KPR; Implementation according to POJK No. 17 of 2023
regarding KMR and KPR;
- Proposal Penyempurnaan Stratejik Penerapan RCSA - Proposal for Strategic Refinement of RCSA
secara end-to-end process; Implementation in an end-to-end process.
• Menyetujui Parameter, Rentang Risiko dan Bobot Risiko • Approved Parameters, Risk Ranges, and Risk Weights for
untuk Profil Risiko 2023 - Bank dan UUS; the Risk Profile 2023 - Bank and UUS;
• Menyetujui Parameter, Rentang Risiko dan Bobot Risiko • Approved Parameters, Risk Ranges, and Risk Weights for
Parameter Tingkat Kesehatan Bank 2023; the Bank's Soundness Level Parameters 2023;
• Menyetujui Penetapan kebijakan dan/atau keputusan • Approved the Establishment of policies and/or business
bisnis yang menyimpang dari prosedur normal/limit normal decisions deviating from normal procedures/normal limits
(pelampauan); (excess);
• Melakukan pengawasan dan/atau pemantauan terkait • Supervised and/or Monitored the Provisions and Testing of
Ketentuan dan Uji Coba Contingency Funding Plan dan Contingency Funding Plans and Short-Term Liquidity Loans
Pinjaman Likuiditas Jangka Pendek (PLJP) Bank Indonesia; dan (PLJP) of Bank Indonesia; and
• Menyetujui Skenario dan Hasil Stress Testing Bank 2023. • Approved the Bank 2023 Stress Testing Scenarios and Results.
Rapat Komite Manajemen Risiko Risk Management Committee Meeting
Komite Manajemen Risiko mengadakan rapat secara berkala The Risk Management Committee holds regular meetings at
minimal 4 kali dalam setahun dan rapat Adhoc di luar rapat least 4 times a year and ad-hoc meetings outside the regular
berkala. Rapat komite dihadiri oleh seluruh anggota tetap dan meetings. The committee meetings are attended by all
anggota tidak tetap. Selama tahun 2023, Komite Manajemen permanent and non-permanent members. Throughout 2023,
Risiko telah menyelenggarakan rapat secara berkala sebanyak the Risk Management Committee held regular meetings 7
7 kali rapat dan seluruh hasil rapat yang dilaksanakan telah times, and all decisions made during the meetings have been
mencapai keputusan bersama secara musyawarah dan achieved through consultation and consensus and declared
mufakat serta dinyatakan sah dan seluruh hasil rapat Komite valid. All outcomes of the Risk Management Committee
Manajemen Risiko dituangkan di dalam risalah rapat dan telah meetings were documented in meeting minutes and well-
didokumentasikan dengan baik. documented.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Organ Wewenang dan Tanggung Jawab
Organ Authority and Responsibility
Komite Pemantau Risiko
Risk Monitoring Committee
Komite Pemantau • Evaluasi tentang kesesuaian antara kebijakan manajemen • Evaluation of the conformity between risk management
Risiko merupakan risiko dengan pelaksanaan kebijakan Bank; policies and the implementation of the Bank's policies;
komite yang dibentuk • Pemantauan dan evaluasi pelaksanaan tugas Komite • Monitoring and evaluating the implementation of duties
untuk menjalankan Manajemen Risiko dan Risk Management Group guna by the Risk Management Group and the Risk Management
fungsi pengawasan memberikan rekomendasi kepada Dewan Komisaris. Work Units to provide recommendations to the Board of
manajemen risiko Commissioners.
pada tingkat Komisaris
Bank dan Komisaris Keanggotaan Komite Pemantau Risiko Risk Monitoring Committee Membership
Pihak Independen yang Keanggotaan Komite Pemantau Risiko PT. Bank Sinarmas The Membership of the Risk Monitoring Committee of PT
bertanggung Jawab Tbk., terdiri dari: Bank Sinarmas Tbk., consists of:
kepada Dewan Komisaris • 1 orang Komisaris Independen merangkap Ketua • 1 Independent Commissioner concurrently serving as
dalam hal pengawasan Chairman
dan pemantauan • 1 orang Komisaris Bank • 1 Bank Commissioner
penerapan manajemen • 1 orang Pihak Independen yang memiliki keahlian dibidang • 1 Independent Party with expertise in finance; and
risiko yang efektif. keuangan; dan
The Risk Monitoring • 1 orang Pihak Independen yang memiliki keahlian dibidang • 1 Independent Party with expertise in risk management.
Committee is a manajemen risiko.
committee formed in
order to carry out risk Keputusan Komite Pemantau Risiko Risk Monitoring Committee Decision
management supervisory • Menyetujui Risk Appetite & Risk Tolerance Bank 2023 • Approving the Bank’s Risk Appetite & Risk Tolerance 2023
functions at the Board termasuk Revisi Risk Appetite & Risk Tolerance Bank yang including the Revised Risk Appetite & Risk Tolerance of the
of Commissioners sudah disetujui oleh Komite Manajemen Risiko; Bank that has been approved by the Risk Management
and Independent Committee;
Commissioners levels • Menyetujui Penilaian Laporan Profil Risiko 2023 - Bank dan • Approving the Assessment of Risk Profile Reports 2023
responsible to the Board UUS yang sudah disetujui oleh Komite Manajemen Risiko; - Bank and UUS that have been approved by the Risk
of Commissioners in Manage-ment Committee;
term of supervision and • Menyetujui Penilaian Laporan Tingkat Kesehatan Bank dan • Approving the Assessment of Bank Soundness Level
monitoring of effective ICAAP 2023 yang sudah disetujui oleh Komite Manajemen Reports and ICAAP 2023 that have been approved by the
risk management Risiko; dan Risk Management Committee; and
implementation. • Menyetujui penyempurnaan proses manajemen risiko • Approving the refinement of risk management processes
secara berkala maupun bersifat insidentil sebagai akibat periodically and incidentally as a result of changes in
dari suatu perubahan kondisi eksternal dan internal Bank external and internal conditions of the Bank affecting
yang mempengaruhi kecukupan permodalan, profil risiko capital adequacy, risk profile of the Bank, and the
Bank, dan tidak efektifnya penerapan Manajemen Risiko ineffectiveness of risk management implementation based
berdasarkan hasil evaluasi, yang sudah disetujui oleh on evaluation results, which have been approved by the
Komite Manajemen Risiko. Risk Management Com-mittee.
Realisasi Rencana Kerja Komite Pemantau Risiko 2023 Implementation of Risk Monitoring Committee Work
Plan 2023
• Mengevaluasi kesesuaian antara kebijakan Manajemen • Evaluated the conformity between Risk Management policies
Risiko dengan pelaksanaan kebijakan Bank disesuaikan and the implementation of Bank policies adjusted to ob-
dengan tujuan, kebijakan usaha, ukuran dan kompleksitas jectives, business policies, size and complexity of operations,
usaha serta kemampuan Bank, antara lain melalui and capabilities of the Bank, including through monitoring the
monitoring pelaksanaan risk appetite & risk tolerance Bank; implementation of the Bank's risk appetite & risk tolerance;
• Mengevaluasi dan memantau strategi agar selalu mampu • Evaluated and monitored strategies to ensure the ability to
mempertahankan peringkat Tingkat Kesehatan Bank (Profil maintain the Bank's Soundness Level (Risk Profile, Good
Risiko, Good Corporate Governance, Rentabilitas dan Corporate Governance, Profitability, and Capital) at level 2
Permodalan) pada peringkat 2 atau SEHAT - Bank dan UUS; or HEALTHY - Bank and UUS;
• Memantau posisi/eksposur risiko secara keseluruhan, • Monitored overall risk positions/exposures, as well as per
maupun per risiko termasuk pemantauan kepatuhan risk, including monitoring compliance with established risk
terhadap toleransi risiko dan limit yang ditetapkan (risk tolerance and limits (risk appetite & risk tolerance);
appetite & risk tolerance);
• Melakukan pengawasan terhadap proses mitigasi risiko • Actively supervised the risk mitigation process (action plan)
(action plan) secara aktif yang dilakukan oleh risk taking conducted by risk-taking units, internal control systems,
unit, sistem pengendalian internal, serta pengawasan and monitoring the development of risk-conscious culture
terhadap pengembangan budaya sadar risiko pada seluruh across all Bank units;
unit kerja Bank;
• Monitoring dan/atau mendapatkan informasi mengenai • Monitored and/or obtained information regarding Bank
Skenario dan Hasil Stress Testing Bank 2023; Stress Testing Scenarios and Results for 2023;
• Melakukan pengawasan dan/atau pemantauan terkait • Supervised and/or monitored the Terms and Trial of the
Ketentuan dan Uji Coba Contingency Funding Plan dan Contingency Funding Plan and Short-Term Liquidity Loans
Pinjaman Likuiditas Jangka Pendek (PLJP) Bank Indonesia; (PLJP) of Bank Indonesia;
• Mengevaluasi dan memantau realisasi Rencana Bisnis Bank • Evaluated and monitored the realization of the Bank's
2023-2025; dan Business Plan for 2023-2025; and
• Pemantauan dan evaluasi penerapan strategi anti-fraud. • Monitored and evaluated the implementation of anti-fraud
strategies.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting
Selama tahun 2023, Komite Pemantau Risiko telah The Risk Monitoring Committee held 9 regular meetings in
menyelenggarakan rapat secara berkala sebanyak 9 kali rapat. 2023.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Organ Wewenang dan Tanggung Jawab
Organ Authority and Responsibility
Risk Taking Unit
Risk Taking Unit adalah Risk Taking Unit bertanggung jawab atas masing-masing The Risk Taking Unit is responsible for each risk in every
satuan kerja operasional risiko pada setiap aktivitas bisnis baik oleh Satuan kerja bisnis business activity, both by business units and operational units.
yang mengambil dan maupun oleh satuan kerja operasional.
melaksanakan keputusan
atas risiko yang antara
lain meliputi namun tidak
terbatas pada kegiatan
perkreditan, treasury,
sistem informasi, dan
akunting termasuk
kantor operasional.
The Risk Taking Unit
is an operational unit
that takes and executes
decisions regarding
risks, including but
not limited to lending
activities, treasury
operations, information
systems, accounting, and
operational offices.
Pengendalian Internal
Internal Control
Sistem Pengendalian Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation No. 1/
Internal Bank didukung No. 1/POJK.03/2019 tentang Penerapan Fungsi Audit Intern POJK.03/2019 concerning the Implementation of the Internal
oleh fungsi pengawasan Pada Bank Umum, SKAI mempunyai wewenang paling Audit Function at Commercial Banks, the Internal Audit Work
dari Satuan Kerja Audit sedikit: Unit (IAU) has the authority to at least:
Internal (SKAI) serta • Mengakses seluruh informasi yang relevan tentang Bank • Access all relevant information about the Bank related to
pengawasan dari Satuan terkait dengan tugas dan fungsi SKAI; the duties and functions of IAU;
Kerja Kepatuhan (SKK). • Melakukan komunikasi secara langsung dengan Direksi, • Communicate directly with the Board of Directors, the Board
The Bank’s Internal Dewan Komisaris, dan Komite Audit, serta Dewan of Commissioners, and the Audit Committee, as well as the
Control System is Pengawas Syariah bagi bank umum syariah dan bank Sharia Supervisory Board for sharia commercial banks and
supported by supervisory umum konvensional yang memiliki unit usaha syariah; conventional commercial banks that have Sharia business units;
function of the Internal • Menyelenggarakan rapat secara berkala dan insidental • Organize regular and incidental meetings with the Board
Audit Work Unit (IAU) dengan Direksi, Dewan Komisaris, dan Komite Audit, of Directors, the Board of Commissioners, and the Audit
and the Compliance serta Dewan Pengawas Syariah bagi Bank Umum Syariah Committee, as well as the Sharia Supervisory Board for
Work Unit (SKK). dan Bank Umum Konvensional yang memiliki Unit Usaha sharia commercial banks and conventional commercial
Syariah; banks that have Sharia business units;
• Melakukan koordinasi kegiatan dengan auditor eksternal; • Coordinate activities with external auditors; and
dan
• Mengikuti rapat yang bersifat strategis. • Attend strategic meetings.
Tugas pokok SKAI paling sedikit: The main duties of IAU at least:
• Membantu tugas direktur utama dan Dewan Komisaris • Assisting the President Director and the Board of
dalam melakukan pengawasan dengan cara menjabarkan Commissioners in carrying out supervision by operationally
secara operasional baik perencanaan, pelaksanaan, elaborating the planning, implementation, and monitoring
maupun pemantauan hasil audit; of audit results;
• Membuat analisis dan penilaian di bidang keuangan, • Preparing analysis and assessment related to finance,
akuntansi, operasional, dan kegiatan lain melalui audit; accounting, operations, and other activities through audits;
• Mengidentifikasi segala kemungkinan untuk memperbaiki • Identifying all possibilities to improve and increase the
dan meningkatkan efisiensi penggunaan sumber daya efficiency of the use of resources and funds; and
dan dana; dan
• Memberikan saran perbaikan dan informasi yang objektif • Providing improvement advice and objective information
tentang kegiatan yang diperiksa pada tingkatan manajemen. about the activities examined at all levels of management.
Di samping itu, berdasarkan Peraturan Otoritas Jasa Keuangan In addition, based on Financial Services Authority Regulation
No. 46/POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan No. 46/POJK.03/2017 concerning the implementation of
Bank Umum, tugas dan tanggung jawab SKK paling sedikit: Compliance Function for Commercial Banks, duties and
responsibilities of the Compliance Work Unit (SKK) at least:
• Membuat langkah untuk mendukung terciptanya Budaya • Prepare actions to support the establishment of a
Kepatuhan pada seluruh kegiatan usaha Bank pada setiap Compliance Culture in all Bank business operations at all
jenjang organisasi; organizational levels;
• Melakukan identifikasi, pengukuran, pemantauan, dan • Identify, measure, monitor, and control Compliance
pengendalian terhadap Risiko Kepatuhan dengan mengacu Risk referring to the provisions of the Financial Services
pada ketentuan Otoritas Jasa Keuangan yang mengatur Authority, which regulate the implementation of risk
mengenai penerapan manajemen risiko bagi Bank Umum management for commercial banks, and the provisions
dan ketentuan Otoritas Jasa Keuangan yang mengatur of the Financial Services Authority, which regulate the
mengenai penerapan manajemen risiko bagi Bank Umum implementation of risk management for Sharia commercial
Syariah dan Unit Usaha Syariah; banks and sharia business units;
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Organ Wewenang dan Tanggung Jawab
Organ Authority and Responsibility
• Menilai dan mengevaluasi efektivitas, kecukupan, dan • Assess and evaluate the effectiveness, adequacy, and
kesesuaian kebijakan, ketentuan, sistem maupun conformity of policies, provisions, systems, and procedures
prosedur yang dimiliki oleh Bank dengan ketentuan of the Bank with laws and regulations;
peraturan perundang-undangan;
• Melakukan kaji ulang dan/atau merekomendasikan • Review and/or recommend an update and improvement
pengkinian dan penyempurnaan kebijakan, ketentuan, of the policies, provisions, systems, and procedures of
sistem maupun prosedur yang dimiliki oleh Bank agar the Bank in order to comply with laws and regulations,
ketentuan peraturan perundang-undangan, termasuk prinsip including sharia principles for sharia commercial banks and
syariah bagi Bank Umum Syariah dan Unit Usaha Syariah; sharia business units;
• Melakukan upaya untuk memastikan bahwa kebijakan, • Attempt 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, are
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan in accordance with the provisions of the Financial Services
ketentuan peraturan perundang-undangan; dan Authority and laws and regulations; and
• Melakukan tugas lain yang terkait dengan Fungsi Kepatuhan. • Perform other duties related to the Compliance Function.
Konglomerasi Keuangan Terintegrasi Sinarmas Sinarmas Integrated Financial Conglomeration
Bank, sesuai dengan Surat Otoritas Jasa Keuangan The Bank, in accordance with Financial Services Authority
No. S-95/PB.33/2015 tanggal 1 Oktober 2015 tentang Penetapan Letter No. S-95/PB.33/2015 dated October 1, 2015, on the
PT. Bank Sinarmas Tbk., sebagai Entitas Utama Grup Sinarmas Designation of PT. Bank Sinarmas Tbk. as the Main Entity of
ditunjuk sebagai Entitas Utama dari Konglomerasi Keuangan Sinarmas Group, is appointed as the Main Entity of Sinarmas
Sinarmas yang menjalani fungsi dalam menerapkan manajemen Financial Conglomeration, which functions to implement effective
risiko terintegrasi yang efektif dengan struktur organisasi sebagai integrated risk management with the following organizational
berikut. structure.
Struktur Organisasi Manajemen Risiko Terintegrasi Sinarmas
Organizational Structure of Sinarmas Integrated Risk Management
Komisaris Utama Entitas Utama
President Commissioner of the Main Entity of
PT. Bank Sinarmas Tbk.
Direktur Utama Entitas Utama
President Director of the Main Entity of Komite Manajemen Risiko Terintegrasi
PT. Bank Sinarmas Tbk. Integrated Risk Management Committee
Konglomerasi Keuangan Sinar Mas Financial
Services
Financial Services of Sinar Mas Financial
Direktur yang Membawahi Fungsi Manajemen
Conglomeration
Risiko Terintegrasi untuk Melaksanakan Penerapan
Manajemen Risiko Terintegrasi
Director in charge of Integrated Risk Management
Function to Implement Integrated Risk Management of
PT. Bank Sinarmas Tbk.
Satuan Kerja Manajemen Risiko Terintegrasi
Integrated Risk Management Work Unit of
PT. Bank Sinarmas Tbk. (Entitas Utama)
PIC SKMR PIC SKMR PIC SKMR
PIC SKMR PIC SKMR PIC SKMR PIC SKMR PIC SKMR PIC SKMR PIC SKMR
Terintegrasi Terintegrasi Terintegrasi
Terintegrasi Terintegrasi Terintegrasi Terintegrasi Terintegrasi Integrated Risk
Terintegrasi Integrated Risk Integrated Risk
Terintegrasi
Integrated Risk Integrated Risk Integrated Risk Integrated Risk Integrated Risk Integrated Risk Integrated Risk
Management Management Management
Management Management Management Management Management Management Management
Person in Charge Person in Charge Person in Charge
Person in Charge Person in Charge Person in Charge Person in Charge Person in Charge Person in Charge Person in Charge
(PIC) of (PIC) of (PIC) of
(PIC) of (PIC) of (PIC) of (PIC) of (PIC) of (PIC) of (PIC) of
PT Reasuransi PT Sinarmas PT AB
PT. Bank PT Asuransi PT Asuransi PT Asuransi PT Asuransi PT Sinarmas PT Sinas Mas
Nusantara Asset Sinas Mas
Sinarmas Tbk. Sinar Mas Simas Jiwa Simas Insurtech Simas Oto Sekuritas Multifinance
Makmur Management Multifinance
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Organ Struktur Manajemen Risiko Terintegrasi Sinarmas
Structure Organ of the Integrated Risk Management of Sinarmas
Organ Tugas dan Tanggung Jawab
Organ Duties and Responsibilities
Satuan Kerja Manajemen Risiko Terintegrasi
Integrated Risk Management Work Unit
Merupakan Satuan • Memberikan masukan kepada Direksi Entitas Utama antara • Providing input to the Board of Directors of the Main
Kerja Manajemen lain dalam penyusunan kebijakan Manajemen Risiko Entity, including in the formulation of Integrated Risk
Risiko Terintegrasi Terintegrasi; Management policies;
yang dibentuk sesuai • Memantau pelaksanaan kebijakan Manajemen Risiko • Monitoring the implementation of Integrated Risk
dengan karakteristik Terintegrasi termasuk mengembangkan prosedur dan Management policies, including developing procedures
dan kompleksitas risiko alat untuk identifikasi, pengukuran, pemantauan, dan and tools for risk identification, measurement, monitoring,
Konglomerasi keuangan pengendalian Risiko; and control;
yang berada di bawah • Melakukan pemantauan risiko pada Konglomerasi • Conducting risk monitoring in the Financial Conglomeration
Entitas Utama. Keuangan berdasarkan hasil penilaian: based on assessment results:
An Integrated Risk • Profil Risiko setiap LJK dalam Konglomerasi Keuangan; • Risk Profile of each Financial Services Institution in the
Management Work Unit Financial Conglomeration;
established in accordance - Tingkat Risiko masing-masing risiko secara terintegrasi; - The risk level of each risk in an integrated manner
with the characteristics - Profil Risiko secara terintegrasi; - The integrated risk profile;
and complexity of the • Melakukan stress testing secara berkala; • Conducting periodic stress testing;
risks of the financial • Melakukan pemantauan kecukupan pemenuhan modal • Conducting regular monitoring of integrated compliance
conglomeration under minimum terintegrasi secara berkala; with minimum capital adequacy;
the Main Entity. • Melaksanakan kaji ulang secara berkala untuk memastikan: • Conducting periodic reviews to ensure:
- Keakuratan metodologi penilaian risiko; - The accuracy of the risk assessment methodology;
- Kecukupan implementasi sistem informasi manajemen; - The adequacy of management information system
implementation;
- Ketepatan kebijakan, prosedur, dan penetapan limit - The accuracy of policies, procedures, and risk limit
risiko secara terintegrasi; setting in an integrated manner
• Mengkaji usulan lini bisnis baru yang bersifat strategis • Reviewing proposals for new strategic business lines
dan berpengaruh signifikan terhadap eksposur Risiko that significantly impact the exposure of the Financial
Konglomerasi Keuangan; Conglomeration's Risks;
• Memberikan informasi kepada Komite Manajemen Risiko • Providing information to the Integrated Risk Management
Terintegrasi terhadap hal-hal yang perlu ditindaklanjuti Committee on matters requiring follow-up related to the
terkait hasil evaluasi terhadap penerapan Manajemen Risiko evaluation results of the implementation of Integrated Risk
Terintegrasi; Management;
• Memberikan masukan kepada Komite Manajemen Risiko • Providing input to the Integrated Risk Management
Terintegrasi, dalam rangka penyusunan dan penyempurnaan Committee in the formulation and improvement of
kebijakan Manajemen Risiko Terintegrasi; dan Integrated Risk Management policies; and
• Menyusun dan menyampaikan laporan Profil Risiko • Compiling and presenting Integrated Risk Profile reports
Terintegrasi secara berkala kepada Direktur dari Entitas Utama periodically to the Director of the Main Entity in charge
yang membawahkan Fungsi Manajemen Risiko Terintegrasi of the Integrated Risk Management Function and to the
dan kepada Komite Manajemen Risiko Terintegrasi. Integrated Risk Management Committee.
Satuan Kerja Manajemen Risiko Lembaga Jasa Keuangan Non-Bank (LJKNB)
Risk Management Work Unit for Non-Bank Financial Services Institutions (LJKNB)
Merupakan Satuan • Mengidentifikasi risiko, termasuk risiko yang melekat pada • Identify risks, including those inherent in the business
Kerja Manajemen Risiko kegiatan usaha LJKNB; activities of Non-Bank Financial Services Institutions (LJKNB);
yang terdapat dalam • Menyusun metode pengukuran risiko; • Develop risk measurement methods;
Lembaga Jasa Keuangan • Memantau pelaksanaan strategi manajemen risiko yang • Monitor the implementation of the Risk Management
yang tergabung pada telah disusun oleh Direksi; strategy that has been prepared by the Board of Directors;
Konglomerasi Keuangan • Memantau posisi risiko secara keseluruhan, per jenis risiko, • Monitor the overall risk position, per type of risk, and per
Sinar Mas. dan per jenis aktivitas fungsional, serta melakukan pengujian type of functional activity, as well as conducting tests using
A Risk Management Work dengan menggunakan skenario/asumsi kondisi tidak normal scenarios/assumptions of abnormal conditions and testing
Unit within a Financial dan pengujian dengan menggunakan data historis; using historical data;
Services Institution that is • Mengkaji ulang secara berkala terhadap proses manajemen • Periodically review the Risk Management process;
part of Sinar Mas Financial risiko;
Conglomeration. • Mengkaji usulan pengembangan atau perluasan kegiatan • Review the proposed development or expansion of
usaha; business activities;
• Mengevaluasi terhadap akurasi model dan validitas data • Evaluate the accuracy of the model and the validity of the
yang digunakan untuk mengukur risiko, bagi LJKNB yang data used to measure risk for LJKNB that use the model for
menggunakan model untuk keperluan internal; internal purposes;
• Memberikan rekomendasi kepada fungsi bisnis dan • Provide recommendations on business and operational
operasional dan/atau kepada Komite Manajemen Risiko, functions and/or to the Risk Management Committee,
sesuai kewenangan yang dimiliki; dan according to their authority; And
• Menyusun dan menyampaikan laporan Profil Risiko kepada • Prepare and submit risk profile reports to the President
Direktur Utama atau yang setara, atau anggota Direksi Director or equivalent, or members of the Board of
yang membawahkan Fungsi Manajemen Risiko dan Komite Directors in charge of the risk management function and
Manajemen Risiko secara berkala. the Risk Management Committee on a regular basis.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Organ Tugas dan Tanggung Jawab
Organ Duties and Responsibilities
Komite Manajemen Risiko Terintegrasi
Integrated Risk Management Committee
Komite Manajemen Komite Manajemen Risiko Terintegrasi memiliki tugas dan The Integrated Risk Management Committee has duties and
Risiko Terintegrasi tanggung jawab, yaitu memberikan rekomendasi kepada responsibilities, namely to provide reccomendations to the
merupakan komite Direksi Entitas Utama berupa: Board of Director of the Main Entity in the form of:
yang dibentuk dengan • Penyusunan dan perbaikan Kebijakan Manajemen Risiko • Development and improvement of Integrated Risk
tujuan menjalankan Terintegrasi termasuk tingkat risiko yang diambil serta Management Policies include the level of risk taken and the
fungsi manajemen risiko toleransi risiko yang dapat di terima; acceptable risk tolerance;
terintegrasi dengan • Perbaikan atau penyempurnaan kebijakan Manajemen Risiko • Improvement or refinement of Integrated Risk Management
merekomendasikan Terintegrasi antara lain berupa penyempurnaan strategi dan Policies include improving strategies and risk frameworks
kerangka atau kebijakan kerangka risiko berdasarkan hasil evaluasi pelaksanaan. based on the evaluation results. Improvement of Integrated
yang terintegrasi untuk Penyempurnaan Kebijakan Manajemen Risiko Terintegrasi Risk Management Policies is conducted periodically or
mengidentifikasi, dilakukan secara berkala maupun bersifat insidental incidentally as a result of changes in external and internal
mengukur, memantau, sebagai akibat dari suatu perubahan kondisi eksternal dan conditions that affect capital adequacy, Risk Profile,
mengelola, dan internal yang mempengaruhi kecukupan permodalan, Profil and the ineffectiveness of integrated risk management
mengendalikan seluruh Risiko, dan tidak efektifnya penerapan manajemen risiko implementation based on evaluation results;
faktor risiko. terintegrasi berdasarkan hasil evaluasi;
The Integrated Risk • Menyetujui Laporan Profil Risiko Konglomerasi Keuangan, • Approving the Financial Conglomeration Risk Profile
Management Committee Laporan Kewajiban Penyediaan Modal Minimum Report, Integrated Minimum Capital Provisioning Liability
is a committee formed Terintegrasi Konglomerasi Keuangan, Laporan Transaksi Report of the Financial Conglomeration, Intragroup
aiming to carry Intragrup, dan Laporan Stress Test yang wajib disampaikan Transaction Report, and Stress Test Report which must be
out integrated risk secara berkala kepada regulator; dan submitted periodically to the regulator; and
management functions • Komite Manajemen Risiko Terintegrasi menyetujui rencana • The Integrated Risk Management Committee approves the
by recommending an kerja yang disusun dan disampaikan oleh Sekretaris Komite work plan prepared and submitted by the Secretary of the
integrated framework Manajemen Risiko Terintegrasi. Integrated Risk Management Committee.
or policy to identify, Keanggotaan Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee Membership
measure, monitor, • Ketua (merangkap anggota tetap), yaitu Direktur Entitas • Chairman (also serving as a permanent member), namely
manage, and control all Utama yang membawahi manajemen risiko terintegrasi; the Director of the Main Entity in Charge of integrated risk
risk factors. management;
• Sekretaris (merangkap anggota tetap), yaitu Risk • Secretary (also serving as a permanent member), namely
Management Group Head; the Risk Management Group Head;
• Anggota Tetap, terdiri dari Direktur Utama Entitas Utama • Permanent Members, consisting of the President Director
dan seluruh Direktur Lembaga Jasa Keuangan Konglomerasi of the Main Entity and all Directors of Financial Services
Keuangan Sinar Mas yang membawahi Fungsi Manajemen Insti-tutions of the Sinar Mas Financial Conglomeration in
Risiko dan/atau Direktur yang ditunjuk oleh Lembaga Jasa Charge of Risk Management Functions and/or Directors
Keuangan; dan appointed by Financial Services Institutions; and
• Anggota Tidak Tetap terdiri dari Compliance Group Head • Non-permanent Members consisting of the Compliance
Entitas Utama, Internal Audit Group Head Entitas Utama, Group Head of the Main Entity, Internal Audit Group Head
dan satuan kerja yang melaksanakan fungsi manajemen of the Main Entity, and units carrying out risk management
risiko pada masing-masing Lembaga Jasa Keuangan functions in each Financial Services Institution of the Sinar
Konglomerasi Keuangan Sinar Mas. Mas Financial Conglomeration.
Keputusan Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee Decision
• Menyetujui kaji ulang Kebijakan KPMM Terintegrasi • Approving the review of the Integrated CAR Policy
dan Pedoman Tata Tertib Komite Manajemen Risiko and Integrated Risk Management Committee Code of
Terintegrasi; Conducts;
• Menyetujui Kaji Ulang Parameter Profil Risiko Terintegrasi; • Approving the Review of Integrated Risk Profile Parameters;
• Menyetujui Program Kerja Komite Manajemen Risiko • Approving the Integrated Risk Management Committee
Terintegrasi 2023 disesuaikan dengan karakteristik dan Work Program for 2023 adjusted to the characteristics
kompleksitas usaha serta Risiko yang melekat pada and complexity of the business and Risks inherent in the
Konglomerasi Keuangan.; Financial Conglomeration.;
• Menyetujui Program Kerja Satuan Kerja Manajemen • Approving the Work Program of Integrated Risk
Risiko Terintegrasi 2023 disesuaikan dengan karakteristik Management Units for 2023 adjusted to the characteristics
dan kompleksitas usaha serta risiko yang melekat pada and com-plexity of the business and Risks inherent in the
Konglomerasi Keuangan; Financial Conglomeration;
• Menyetujui, mengevaluasi, dan memantau strategi PUJK • Approving, evaluating, and monitoring the Financial
agar mampu mempertahankan Profil Risiko Terintegrasi Services Business Actors’ (PUJK) strategies to maintain the
minimal pada peringkat 2 atau Low to Moderate; Integrat-ed Risk Profile at a minimum level of 2 or Low to
• Menyetujui, mengevaluasi, dan memantau strategi PUJK Moderate;
agar selalu mampu mempertahankan KPMM Terintegrasi • Approving, evaluating, and monitoring PUJK strategies to
pada penilaian Sangat Memadai untuk mengantisipasi consistently maintain Integrated Risk Management at ‘Very
potensi risiko dan/atau kerugian yang akan terjadi dan dapat Adequate’ rating to anticipate potential risks and/or losses
menjadi penyangga (buffer) apabila terjadi kondisi krisis; that may occur and serve as a buffer in times of crisis;
• Menyetujui, mengevaluasi dan memantau skenario • Approving, evaluating, and monitoring Integrated
dan hasil Stress Testing Terintegrasi untuk mengukur Stress Testing scenarios and results to measure the
kemampuan ketahanan permodalan Konglomerasi capital resilience capacity of the Sinarmas Financial
Keuangan Sinarmas dalam keadaan kondisi krisis; dan Conglomeration in times of crisis conditions; and
• Menyetujui Pelaporan Profil Risiko Terintegrasi, Pelaporan • Approving the Reporting of Integrated Risk Profiles,
KPMM Terintegrasi, dan Pelaporan Stress Test Terintegrasi. Integrated Risk Management Reporting, and Integrated
Stress Test Reporting.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Organ Tugas dan Tanggung Jawab
Organ Duties and Responsibilities
Realisasi Rencana Kerja Komite Manajemen Risiko Implementation of Integrated Risk Management
Terintegrasi 2023 Committee Work Plan 2023
• Telah menyetujui kaji ulang Kebijakan & Prosedur • Approved the review of the Integrated Risk Management
Manajemen Risiko Terintegrasi yang disesuaikan dengan Policy & Procedure adjusted to the objectives, business
tujuan, kebijakan usaha, ukuran dan kompleksitas poli-cies, size, and complexity of the Sinarmas Financial
usaha serta kemampuan permodalan KK Sinarmas yaitu Conglomeration's business capabilities, namely the
Kebijakan KPMM Terintegrasi dan Pedoman Tata Tertib Integrated CAR and the Code of Conducts for the
Komite Manajemen Risiko Terintegrasi; Integrated Risk Management Committee;
• Telah mengevaluasi kesesuaian antara kebijakan • Evaluated the alignment between Integrated Risk
Manajemen Risiko Terintegrasi dengan penerapan Management policies and the implementation of
kebijakan Manajemen Risiko Terintegrasi guna perbaikan Integrated Risk Management policies for improvement
atau penyempurnaan Kebijakan Manajemen Risiko or refinement of Integrated Risk Management policies,
Terintegrasi antara lain berupa Kaji Ulang Parameter including the Review of Integrated Risk Profile Parameters
Profil Risiko Terintegrasi serta Penerapan Manajemen and the Implementation of Integrated Risk Management
Risiko Terintegrasi dalam Laporan Eksposur Profil Risiko in the Integrated Risk Profile Exposure Reports submitted
Terintegrasi yang disampaikan secara berkala; periodically;
• Telah menyetujui Program Kerja Komite Manajemen • Approved the Integrated Risk Management Committee's
Risiko Terintegrasi 2023 disesuaikan dengan karakteristik Work Program for 2023 adjusted to the characteristics and
dan kompleksitas usaha serta Risiko yang melekat pada complexity of the business as well as the Risks inherent in
Konglomerasi Keuangan; the Financial Conglomeration.
• Telah menyetujui Program Kerja Satuan Kerja Manajemen • Approved the Work Program of the Integrated Risk
Risiko Terintegrasi 2023 disesuaikan dengan karakteristik Management Unit for 2023 adjusted to the characteristics
dan kompleksitas usaha serta Risiko yang melekat pada and complexity of the business as well as the Risks inherent
Konglomerasi Keuangan; in the Financial Conglomeration;
• Telah menyetujui, mengevaluasi, dan memantau strategi • Approved, evaluated, and monitored the PUJK’s strategies
PUJK agar mampu mempertahankan Profil Risiko Terintegrasi to maintain the Integrated Risk Profile at a minimum level
minimal pada peringkat 2 atau Low to Moderate; of 2 or Low to Moderate;
• Telah menyetujui, mengevaluasi, dan memantau strategi PUJK • Approved, evaluated, and monitored PUJK’s strategies to
agar selalu mampu mempertahankan KPMM Terintegrasi consistently maintain CAR at a Very Adequate assessment
pada penilaian Sangat Memadai untuk mengantisipasi to anticipate potential Risks and/or losses that may occur
potensi risiko dan/atau kerugian yang akan terjadi dan dapat and can serve as a buffer in crisis situations;
menjadi penyangga (buffer) apabila terjadi kondisi krisis;
• Telah menyetujui, mengevaluasi dan memantau skenario • Approved, evaluated, and monitored the scenarios
dan hasil Stress Testing Terintegrasi untuk mengukur and results of Integrated Stress Testing to measure the
kemampuan ketahanan permodalan Konglomerasi capital resili-ence capabilities of the Sinarmas Financial
Keuangan Sinarmas dalam keadaan kondisi krisis; dan Conglomeration in crisis situations; and
• Telah menyetujui Pelaporan Profil Risiko Terintegrasi, • Approved the Integrated Risk Profile Reporting, Integrated
Pelaporan KPMM Terintegrasi, dan Pelaporan Stress Test CAR Reporting, and Integrated Stress Test Reporting.
Terintegrasi.
Rapat Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee Meeting
Selama tahun 2023, Komite Manajemen Risiko Terintegrasi Throughout 2023, the Integrated Risk Management
telah menyelenggarakan rapat secara berkala sebanyak 3 kali Committee held three regular meetings.
rapat.
Pengendalian Internal
Internal Control
Entitas Utama secara bertahap telah melaksanakan sistem pengendalian intern yang menyeluruh terhadap Penerapan Manajemen Risiko Terintegrasi.
Sistem pengendalian intern disusun agar dapat memastikan:
• Dipatuhinya kebijakan atau ketentuan intern serta peraturan dan perundang-undangan yang berlaku;
• Tersedianya informasi keuangan dan manajemen yang lengkap, akurat, tepat guna, dan tepat waktu; dan
• Efektivitas Budaya Risiko (Risk Culture) pada organisasi Konglomerasi Keuangan secara menyeluruh.
Pada Konglomerasi Keuangan Sinarmas juga telah dilakukan pemisahan satuan kerja yang melaksanakan Fungsi Manajemen Risiko Terintegrasi dan yang
melaksanakan Fungsi Pengendalian Internal (Audit Internal) dengan Satuan Kerja Operasional (Risk-Taking Unit) pada Entitas Utama, Entitas Anak, dan
perusahaan terelasi. Selain itu, pada seluruh entitas dipastikan agar terdapat dokumentasi prosedur yang memadai, yaitu dokumentasi yang tertulis,
lengkap, dan memudahkan untuk dilakukan jejak audit (audit trail) untuk keperluan pengendalian internal.
The Main Entity has gradually carried out a comprehensive internal control system in the Implementation of Integrated Risk Management.
The internal control system is designed to ensure:
• Compliance with internal policies or regulations and applicable laws and regulations;
• Availability of complete, accurate, relevant, and timely financial and management information; and
• Effectiveness of Risk Culture throughout the Financial Conglomeration organization.
At Sinarmas Financial Conglomeration, a separation of work units has also been implemented between those responsible for Integrated Risk Management
Functions and those responsible for Internal Control Functions (Internal Audit) within the Operational Work Units (Risk-Taking Unit) in the Main Entity,
Subsidiaries, and related companies. Additionally, procedural documentation is ensured to be available across all entities, namely written, complete
documentation that facilitates audit trails for internal control purposes.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Susunan Anggota Konglomerasi Keuangan Sinarmas
Composition of Members of Sinarmas Financial Conglomeration
PT Sinar Mas
Multiartha Tbk
(Holding Company)
PT Asuransi PT AB Sinar Mas PT Sinar Mas PT Sinarmas PT. Bank Sinarmas Tbk.
Sinar Mas Multifinance Multifinance Sekuritas (Entitas Utama)
PT Asuransi PT Reasuransi PT Asuransi PT Asuransi PT Sinarmas Asset
Simas Jiwa Nusantara Makmur Sumit Oto SImas Insurtech Management
(99,9%) (99%) (48%) (68,6%) (99,9%)
Konglomerasi Keuangan Sinarmas, terdiri dari 10 Pelaku Usaha Sinarmas Financial Conglomeration consists of 10 Financial
Jasa Keuangan (PUJK) yang berada di bawah kepemilikan Services Business Actors (PUJK) under the ownership of PT Sinar
PT Sinar Mas Multiartha Tbk sebagai Holding Company, yaitu Mas Multiartha Tbk as the Holding Company. These institutions
PT. Bank Sinarmas Tbk., PT Asuransi Sinar Mas, PT Asuransi are PT. Bank Sinarmas Tbk., PT Asuransi Sinar Mas, PT Asuransi
Simas Jiwa, PT Asuransi Sumit Oto, PT Asuransi Simas Insurtech, Simas Jiwa, PT Asuransi Sumit Oto, PT Asuransi Simas Insurtech,
PT Reasuransi Nusantara, PT Sinar Mas Multifinance, PT AB Sinar PT Reasuransi Nusantara, PT Sinar Mas Multifinance, PT AB Sinar
Mas Multifinance, PT Sinarmas Sekuritas dan PT Sinarmas Asset Mas Multifinance, PT Sinarmas Sekuritas, and PT Sinarmas Asset
Management. Sesuai dengan keputusan Otoritas Jasa Keuangan, Management. In accordance with the decision of the Financial
maka PT. Bank Sinarmas Tbk. ditunjuk sebagai Entitas Utama Services Authority, PT. Bank Sinarmas Tbk. is appointed as the
bagi Konglomerasi Keuangan Sinarmas yang bertanggung jawab Main Entity for Sinarmas Financial Conglomeration, responsible
atas penerapan Manajemen risiko terintegrasi serta tata kelola for implementing integrated risk management and integrated
terintegrasi bagi seluruh Sister Company yang masuk sebagai governance for all Sister Companies within Sinarmas Financial
bagian dalam Konglomerasi Keuangan Sinar Mas. Conglomeration.
Konglomerasi Keuangan Sinar Mas terdiri dari 4 bidang usaha Sinarmas Financial Conglomeration consists of 4 business sectors:
yaitu Bank, Pembiayaan, Asuransi (Umum, Jiwa, Reasuransi) dan Banking, Financing, Insurance (General, Life, Reinsurance), and
Perusahaan Efek (Sekuritas dan Asset Management). Keseluruhan Securities Companies (Securities and Asset Management). All
PUJK dalam konglomerasi keuangan Sinar Mas tersebut Financial Services Business Actors (PUJK) within Sinarmas Financial
merupakan PUJK yang sudah cukup dikenal serta memiliki Conglomeration are well-known and have competitive advantages
keunggulan kompetitif di masing-masing industri. in their respective industries.
Sepanjang tahun 2023, beberapa PUJK di dalam Konglomerasi Throughout the year 2023, several PUJK within Sinarmas Financial
Keuangan Sinar Mas juga telah memperoleh berbagai Conglomeration also received various awards, such as:
penghargaan, seperti:
1. Pada Bank Sinarmas, seperti: Indonesia Digital Customer 1. At Bank Sinarmas, such as: Indonesia Digital Customer
Engagement Champion 2023 - Kategori Jasa Keuangan Bank, Engagement Champion 2023 - for Financial Services Bank
Predikat Very Good; Indonesia Best Bank Award 2023 - The Category with Very Good Predicate; Indonesia Best Bank Award
Financial Service Solutions that Meet Customer Needs Kategori 2023 - The Financial Service Solutions that Meet Customer Needs
KBMI 2; The Best Asset Quality Sharia Business Unit; Excellence for KBMI 2 Category; The Best Asset Quality Sharia Business
Financial Performance Sharia Business Unit of Conventional Unit; Excellence Financial Performance Sharia Business Unit of
Bank in 2022 (Asset Class Rp5 triliun-10 triliun); Best Bank Conventional Bank in 2022 (Asset Class Rp5 trillion-10 trillion);
Performance of MSMEs Loans Award 2023 - Bank Berpredikat Best Bank Performance of MSMEs Loans Award 2023 - Bank
“Sangat Prima” - Kategori Modal Inti Rp6 triliun sampai dengan Predicated “Very Excellent” - Category Core Capital Rp6 trillion
di bawah Rp14 triliun (KBMI 2) Aset di bawah Rp50 triliun; up to under Rp14 trillion (KBMI 2) with Assets under Rp50 trillion;
2. Pada Asuransi Sinar Mas, seperti: 2023 Insurance Award Best 2. At Asuransi Sinar Mas, such as: 2023 Insurance Award Best
General Insurance 2023 Kategori Ekuitas Rp1,5 triliun ke atas; General Insurance 2023 Category Equity above Rp1.5 trillion;
2023 Insurance Award Best Sharia General Insurance 2023 2023 Insurance Award Best Sharia General Insurance 2023
Kategori Ekuitas Rp100 Miliar ke atas; Fitch Affirms Asuransi Category Equity above Rp100 billion; Fitch Affirms Asuransi
Sinar Mas’s IFS at ‘AA+(idn); Rating AA+ Pefindo 2024-2025; Sinar Mas’s IFS at ‘AA+(idn); Rating AA+ Pefindo 2024-2025.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
3. Pada Sinarmas Asset Management, seperti Best Investment 3. At Sinarmas Asset Management, such as Best Investment
Manager 2023; Manager 2023;
4. Pada Asuransi Simas Jiwa, seperti Unit Link Awards 2023 untuk 4. At Asuransi Simas Jiwa, such as Unit Link Awards 2023 for
Simas Balance Fund periode 3 dan 5 Tahun dan Unit Link Simas Balance Fund for 3 and 5-Year periods and Unit Link
Awards 2023 untuk, Wealth Maxima Mixed periode 7 Tahun; Awards 2023 for Wealth Maxima Mixed for a 7-Year period;
5. PT Reasuransi Nusantara Makmur seperti Reasuransi Terbaik 5. PT Reasuransi Nusantara Makmur namely the Best Reinsurance
dan Market Leaders Award 2023 dari Media Asuransi; dan and Market Leaders Award 2023 from Media Asuransi; and
6. PT Asuransi Sumit Oto seperti Best General Insurance 2023 6. PT Asuransi Sumit Oto, namely the Best General Insurance
Ekuitas Rp100 miliar-Rp200 miliar dari Media Indonesia. 2023 Equity Rp100 billion-Rp200 billion from Media Indonesia.
Transaksi Intragroup Intragroup Transaction
Manajemen risiko transaksi intra-grup merupakan serangkaian Risk management of intragroup transactions is a set of
metodologi dan prosedur yang digunakan untuk mengidentifikasi, methodologies and procedures used to identify, measure,
mengukur, memantau, dan mengendalikan risiko transaksi monitor, and control the risks of intragroup transactions arising
intragrup yang timbul dari seluruh kegiatan usaha LJK yang from all business activities of Financial Services Institutions (LJK)
tergabung dalam suatu Konglomerasi Keuangan. within the Financial Conglomeration. I
Transaksi intragrup merupakan transaksi yang dilakukan antara ntra-group transactions are transactions conducted between
suatu entitas dengan entitas lainnya secara langsung dan tidak one entity and another, directly and indirectly, within a Financial
langsung dalam satu Konglomerasi Keuangan dalam rangka Conglomeration for the fulfillment of written or unwritten
pemenuhan kewajiban perjanjian tertulis maupun tidak tertulis. agreement obligations. Reporting obligations for intragroup
Kewajiban pelaporan transaksi intragrup baik dari LJK kepada Entitas transactions, both from LJK to the Main Entity and from the Main
Utama maupun dari Entitas Utama kepada Otoritas Jasa Keuangan Entity to the Financial Services Authority, are submitted quarterly
dilaporkan secara triwulanan dengan format yang efektif untuk with an effective format to monitor and evaluate risks within the
memantau dan mengevaluasi risiko pada Konglomerasi Keuangan. Financial Conglomeration.
Ketentuan umum pelaksanaan transaksi intragrup pada General provisions for implementing intra-group transactions in
Konglomerasi Keuangan Sinarmas sebagai berikut. Sinarmas Financial Conglomeration are as follows:
1. Transaksi intragrup dilaksanakan dan disesuaikan dengan 1. Intragroup transactions are conducted and adjusted according
kebutuhan dari masing-masing entitas. to the needs of each entity.
2. Setiap transaksi intragrup yang dilaksanakan tidak 2. Every intragroup transaction conducted must comply with
bertentangan dengan peraturan maupun ketentuan internal applicable internal and external regulations and provisions.
dan eksternal yang berlaku.
3. Setiap transaksi intra grup yang dilaksanakan oleh masing- 3. Every intragroup transaction carried out by each Financial
masing LJK harus mendapatkan persetujuan sesuai dengan Services Institution (LJK) must obtain approval in accordance
kewenangan di masing-masing Entitas LJK. with the authority of each LJK entity.
4. Transaksi intragrup dilaksanakan dengan memperhatikan 4. Intragroup transactions are conducted in accordance with the
prinsip kewajaran/arm’s length. principle of fairness/arm’s length.
5. Semua pencatatan/perjanjian kerja sama intragrup antar LJK 5. All records/agreements of intragroup cooperation among LJKs
didokumentasikan dengan baik oleh masing-masing Entitas LJK. are well documented by each LJK entity.
Profil Ketua Manajemen Risiko Terintegrasi Profile of the Head of Integrated Risk Management
Direktur Compliance and Risk Management saat ini adalah Bapak The current Compliance and Risk Management Director is Mr.
Hanafi Himawan. Diangkat sebagai Direktur Kepatuhan PT. Bank Hanafi Himawan. He was appointed as the Compliance Director of
Sinarmas Tbk. pada tanggal 23 Maret 2018 berdasarkan Surat PT. Bank Sinarmas Tbk. on March 23, 2018, based on the Decision
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Letter of Members of Board of Commissioner of Financial Services
dengan No. KEP-47/D.09/2018 tanggal 23 Maret 2018 juga ditunjuk Authority with No. KEP-47/D.09/2018 dated March 23, 2018. He
sebagai menjadi Direktur yang membawahkan Fungsi Manajemen was also appointed as the Director overseeing the Integrated Risk
Risiko Terintegrasi untuk melaksanakan penerapan Manajemen Risiko Management Function to implement Integrated Risk Management.
Terintegrasi. Profil Hanafi Himawan telah disampaikan dalam Profil Mr. Hanafi Himawan’s profile has been provided in the Board of
Direksi yang terdapat pada Laporan Tahunan dan Keberlanjutan ini. Director’s Profile section of this Annual and Sustainability Report.
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Profil Risk Management Group Head Profile of the Head of Risk Management Work Unit
Dasar Hukum Pengangkatan
Legal Basis of Appointment
Surat Keputusan No. 1683/2020/PRESDIR-HCRS pada tanggal 16 September 2020.
Decision Letter No. 1683/2020/PRESDIR-HCRS dated September 16, 2020.
Riwayat Pendidikan
Educational Background
• Magister Manajemen, Institute Technology and Business Kalbe, Jakarta (2005); dan
• Sarjana Akuntansi, Universitas Tarumanagara (1990).
• Master of Management, Kalbe Institute of Technology and Business, Jakarta (2005); and
• Bachelor of Accounting, Tarumanagara University (1990).
Riwayat Pekerjaan
Work Experiences
• Risk Management, Compliance and AML-CFT Head PT Bank Index Selindo
(19 Februari-4 Oktober 2020);
• Professional Services Specialist in Risk Management and Governance for Banking and
Insurance Industry (1 Februari 2019-18 Februari 2020);
• Group Head Risk Management PT Bank CTBC Indonesia (4 Agustus 2014–
11 Januari 2019);
• Market and Balance Sheet Risk Management Head PT Bank UOB Indonesia
(after merger antara PT Bank UOB Indonesia dan Bank Buana) (2010-2014);
• Head of Risk Management and Country Risk Manager PT Bank UOB Indonesia (2007-
2010);
• Head of Risk Management, Head of Credit Reviewer PT Bank BCA Syariah (sebelumnya
PT Bank UIB) (2000-2007); dan
• Management Development Program PT Bank Central Asia (1991).
• Risk Management, Compliance and AML-CFT Head of PT Bank Index Selindo (February
19 -October 4, 2020);
• Professional Services Specialist in Risk Management and Governance for Banking and
Insurance Industry (February 1, 2019-February 18, 2020);
• Group Head Risk Management of PT Bank CTBC Indonesia (August 4, 2014–January 11,
2019);
• Market and Balance Sheet Risk Management Head of PT Bank UOB Indonesia (after
merger between PT Bank UOB Indonesia and Bank Buana) (2010-2014);
• Head of Risk Management and Country Risk Manager of PT Bank UOB Indonesia (2007-
2010);
• Head of Risk Management, Head of Credit Reviewer of PT Bank BCA Syariah (previously
known as PT Bank UIB) (2000-2007); and
Amandalia Johanes • Management Development Program at PT Bank Central Asia (1991).
Risk Management Group Head
Rangkap Jabatan
Concurrent Position
Kewarganegaraan / Citizenship
Tidak merangkap jabatan, baik pada bank, perusahaan, dan/atau lembaga lain.
Indonesia Has no concurrent positions, either at banks, companies, and/or other institutions.
Domisili / Domicile Sertifikasi Profesi
Jakarta Professional Certification
Certified Financial Planner, (CFP), Qualified Wealth Planner (QWP), Certified Risk
Management Professional (CRMP), Wakil Manajer Investasi (WMI), dan Certified Enterprise
Usia / Age Risk Governance (CERG)
56 tahun / years old
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang
Saham Pengendali.
Has no affiliation with members of the Board of Commissioners, the Board of Directors,
and Controlling Shareholders.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pengawasan Aktif Dewan Komisaris, Direksi, Active Monitoring of the Board of Commissioners,
dan Dewan Pengawas Syariah atas Penerapan the Board Directors, and Sharia Supervisory Board
Manajemen Risiko on the Implementation of Risk Management
Dewan Komisaris dan Direksi Bank Sinarmas memahami risiko- The Board of Commissioners and Board of Directors of Bank
risiko yang dihadapi Bank dan memberikan arahan yang jelas, Sinarmas understand the risks faced by the Bank and provide clear
melakukan pengawasan dan mitigasi secara aktif. Dewan directions, then actively monitor, and mitigate them. The Board
Komisaris menjalankan fungsi pengawasan risiko (risk oversight) of Commissioners performs risk supervisory functions through the
melalui Komite Pemantau Risiko. Dewan Direksi menjalankan Risk Monitoring Committee. The Board of Directors performs risk
fungsi kebijakan risiko (risk policy), melalui Executive Committee policy functions through the Executive Committee such as the Risk
seperti Komite Manajemen Risiko, ALCO, Komite Kredit/ Management Committee, ALCO, Credit/Financing Committee,
Pembiayaan, Komite Human Capital, dan Komite Information Human Capital Committee, and Information Technology
Technology. Committee.
Untuk Unit Usaha Syariah, Bank memiliki Dewan Pengawas Syariah For Sharia Business Unit, the Bank has a Sharia Supervisory Board
yang bertugas melakukan supervisi atas aktivitas Unit Usaha Syariah. to supervise the activities of Sharia Business Unit. Members of
Anggota Dewan Pengawas Syariah bertindak sebagai penasihat Sharia Supervisory Board act as advisors and consultants to the
dan konsultan bagi Direksi dan Unit Usaha Syariah dalam segala hal Board of Directors and Sharia Business Unit in all matters related
yang menyangkut aktivitas perbankan syariah. to Islamic banking activities.
Peran Dewan Komisaris dan Direksi dalam Manajemen Risiko
Board of Commissioners and Board of Directors’ Role in Risk Management
Bentuk Pengawasan Aktif Dewan Komisaris
Tugas dan Tanggung Jawab Direksi
Form of Active Supervision of the Board of
Duties and Responsibilities of the Board of Directors
Commissioners
Menyetujui Kebijakan Manajemen Risiko, termasuk Menyusun kebijakan, strategi, dan kerangka manajemen risiko secara tertulis dan komprehensif
strategi dan kerangka manajemen risiko yang termasuk limit risiko secara keseluruhan dan per jenis Risiko, dengan memperhatikan tingkat
ditetapkan sesuai dengan tingkat risiko yang akan risiko yang akan diambil (risk appetite) dan toleransi risiko (risk tolerance) sesuai kondisi Bank
diambil (risk appetite) dan toleransi risiko (risk serta memperhitungkan dampak Risiko terhadap kecukupan permodalan. Setelah mendapat
tolerance) Bank. persetujuan dari Dewan Komisaris, Direksi menetapkan kebijakan, strategi, dan kerangka
Manajemen Risiko.
Approve Risk Management Policies, including Formulate written and comprehensive risk management policies, strategies, and frameworks,
the strategies and risk management framework including overall risk limits and per type of risk, considering the risk appetite and the risk tolerance
established in accordance with the risk appetite and in line with the Bank's condition and considering the impact of risks on capital adequacy. Upon
the risk tolerance of the Bank. approval from the Board of Commissioners, the Board of Directors establishes risk management
policies, strategies, and frameworks.
Mengevaluasi Kebijakan Manajemen Risiko dan Menyusun, menetapkan, dan mengkinikan prosedur dan alat untuk mengidentifikasi, mengukur,
Strategi Manajemen Risiko paling sedikit 1 kali dalam memonitor, dan mengendalikan risiko.
1 tahun atau dalam frekuensi yang lebih sering dalam
hal terdapat perubahan faktor yang memengaruhi
kegiatan usaha Bank secara signifikan.
Evaluate Risk Management Policies and Risk Formulate and establish transaction approval mechanisms, including those exceeding limits and
Management Strategies at least once a year or more authorities for each hierarchical level.
frequently if there are significant changes in factors
affecting the Bank's business activities.
Mengevaluasi pertanggungjawaban Direksi dan Menyusun dan menetapkan mekanisme persetujuan transaksi, termasuk yang melampaui limit
memberikan arahan perbaikan atas pelaksanaan dan kewenangan untuk setiap jenjang jabatan.
kebijakan Manajemen Risiko secara berkala. Evaluasi
dilakukan dalam rangka memastikan bahwa Direksi
mengelola aktivitas dan Risiko Bank secara efektif.
Evaluate the accountability of the Board of Formulate and establish transaction approval mechanisms, including those exceeding limits and
Directors and provide guidance for improvement authorities for each hierarchical level.
in the implementation of risk management policies
periodically. The evaluation is conducted to ensure that
the Board of Directors manages the Bank's activities
and risks effectively.
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Business Support Overview Corporate Governance Sustainability Report Financial Statement
Bentuk Pengawasan Aktif Dewan Komisaris
Tugas dan Tanggung Jawab Direksi
Form of Active Supervision of the Board of
Duties and Responsibilities of the Board of Directors
Commissioners
Memastikan kebijakan dan proses manajemen risiko • Mengevaluasi dan/atau mengkinikan kebijakan, strategi, dan kerangka manajemen risiko
dilaksanakan secara efektif dan terintegrasi dalam paling sedikit 1 kali dalam 1 tahun atau dalam frekuensi yang lebih sering dalam hal terdapat
proses manajemen risiko secara keseluruhan. perubahan faktor yang mempengaruhi kegiatan usaha Bank, eksposur Risiko, dan/atau Profil
Risiko secara signifikan;
• Menetapkan struktur organisasi, termasuk wewenang dan tanggung jawab yang jelas pada
setiap jenjang jabatan yang terkait dengan penerapan manajemen risiko;
• Bertanggung jawab atas pelaksanaan kebijakan, strategi, dan kerangka manajemen risiko yang
telah disetujui oleh Dewan Komisaris serta mengevaluasi dan memberikan arahan berdasarkan
laporan yang disampaikan oleh Risk Management Group termasuk laporan mengenai Profil Risiko;
• Memastikan seluruh Risiko yang material dan dampak yang ditimbulkan oleh Risiko dimaksud
telah ditindaklanjuti dan menyampaikan laporan pertanggungjawaban kepada Dewan Komisaris
secara berkala, antara lain memuat laporan perkembangan dan permasalahan terkait risiko yang
material disertai langkah-langkah perbaikan yang telah, sedang, dan akan dilakukan;
• Memastikan pelaksanaan langkah-langkah perbaikan atas permasalahan atau penyimpangan
dalam kegiatan usaha Bank yang ditemukan oleh Satuan Kerja Audit Internal (SKAI);
• Mengembangkan Budaya Manajemen Risiko termasuk kesadaran risiko pada seluruh jenjang
organisasi, meliputi komunikasi yang memadai kepada seluruh jenjang organisasi tentang
pentingnya pengendalian internal yang efektif;
• Memastikan kecukupan dukungan sumber daya untuk mengelola dan mengendalikan risiko;
dan
• Memastikan bahwa Fungsi Manajemen Risiko telah diterapkan secara independen yang
dicerminkan antara lain adanya pemisahan fungsi antara Risk Management Group yang
melakukan identifikasi, pengukuran, pemantauan, dan pengendalian risiko dengan satuan
kerja yang melakukan dan menyelesaikan transaksi.
Ensures that the risk management’s policy and • Evaluate and/or update risk management policies, strategies, and frameworks at least once
processes are effectively and integrated implemented a year or more frequently due to significant changes in factors affecting the bank's business
into overall risk management processes. activities, risk exposures, and/or risk profiles;
• Establish the organizational structure, including clear authorities and responsibilities at each
position related to the implementation of risk management;
• Responsible for the implementation of risk management policies, strategies, and frameworks
approved by the Board of Commissioners, as well as evaluate and provide guidance based on
reports submitted by the Risk Management Group, including reports on Risk Profiles.
• Ensure that all material risks and the impacts caused by such risks have been followed up on
and provide regular accountability reports to the Board of Commissioners, including progress
reports and issues related to material risks along with corrective actions that have been, are
being, or will be taken;
• Ensure the implementation of corrective measures for issues or deviations in the Bank's
operations identified by the Internal Audit Work Unit (IAU);
• Develop a Risk Management Culture, including risk awareness at all levels of the organization,
including adequate communication to all organizational levels about the importance of
effective internal controls.
• Ensure sufficient resource support to manage and control risks; and
• Ensure that the Risk Management Function is applied independently, reflected among others by
the separation of functions between the Risk Management Group responsible for identifying,
measuring, monitoring, and controlling risks and the operational units performing and
transaction completion.
Budaya Manajemen Risiko Risk Management Culture
Budaya Manajemen Risiko yang diterapkan di Bank, diuraikan The Risk Management Culture implemented at the Bank is
sebagai berikut. disclosed as follows.
1. Pemberian materi risk management sebagai salah satu 1. Provision of risk management material as part of curriculum in
kurikulum di dalam pelatihan/pendidikan bagi karyawan. the training/education program for employees.
2. Menyertakan para karyawan dalam Program Sertifikasi 2. Send employees to join the Risk Management Certification
Manajemen Risiko serta program refreshment sesuai dengan Program and refreshment programs according to the required
sertifikasi minimum yang diwajibkan. Diharapkan dengan minimum certification. It is expected that with this Certification
adanya Program Sertifikasi tersebut, seluruh karyawan memiliki Program, all employees will have a better understanding and
pemahaman dan kesadaran risiko yang semakin baik. awareness of risks.
3. Melakukan sosialisasi terkait risiko operasional termasuk di 3. Organize outreach activity on operational risks including the
dalamnya implementasi risk control self-assessment (RCSA), implementation of risk control self-assessment (RCSA), loss
loss event database (LED) dan dalam rangka meningkatkan risk event database (LED), and to enhance risk awareness among
awareness kepada karyawan pada kantor cabang dan divisi. employees at branch offices and divisions.
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4. Pelaksanaan sosialisasi Anti-Fraud melalui media web Bank 4. Implementation of Anti-Fraud dissemination through the
(Aplikasi SIDILAN). Bank’s web media (SIDILAN Application).
5. Penyampaian terkait risk awareness melalui media e-mail 5. Delivery of risk awareness through email media to all
kepada seluruh karyawan. employees.
6. Sharing discussion terkait Kaji Ulang Parameter Profil Risiko 6. Sharing discussions related to the Review of Integrated Risk
Terintegrasi dan Konglomerasi Keuangan Sinar Mas. Profile Parameters and the Sinar Mas Financial Conglomeration.
7. Sharing discussion terkait penerapan manajemen risiko 7. Sharing discussions related to the implementation of integrated
terintegrasi bagi LJK. risk management for Financial Services Institutions (LJK).
8. Sosialisasi terkait penyusunan Penanganan Kredit/Pembiayaan 8. Organize outreach on the preparation of the Handling of Credit/
Terdampak Penyebaran Virus Covid-19 mengikuti ketentuan Financing Affected by the Spread of the Covid-19 Virus following
Otoritas Jasa Keuangan terbaru. the latest regulations from the Financial Services Authority (OJK).
9. Sosialisasi Risk Appetite & Risk Tolerance kepada pemilik 9. Dissemination of Risk Appetite & Risk Tolerance to segment
segmen dan unit bisnis. owners and business units.
10. Sosialisasi Kebijakan Perkreditan atau Pembiayaan Bank Versi 10. Dissemination of the Bank’s Credit or Financing Policy Version
2.0. 2.0.
11. Sosialisasi Standard Operating Procedure (SOP) Pinjaman 11. Dissemination of the Standard Operating Procedure (SOP) for
Likuiditas Jangka Pendek (PLJP) kepada Bank Indonesia. Short-Term Liquidity Loans (PLJP) to Bank Indonesia.
12. Sosialisasi SOP Penyusunan Metodologi ATMR; 12. Dissemination of the SOP for the Preparation of the RWA
Methodology.
13. Sosialisasi Surat Keputusan (SK) User Matrix Aplikasi Web 13. Dissemination of the Decision Letter on the User Matrix for
T24 PAST the T24 PAST Web Application.
14. Sosialisasi SK User Matrix Aplikasi Antasena Risk Management 14. Dissemination of the Decree on the User Matrix for Risk
Group. Management Group Antasena Application.
15. Sosialisasi SK Peran Risk Management Group dalam 15. Dissemination of the Decree on the Role of the Risk Management
Menyampaikan Risk Assessment dan Monitoring. Group in Delivering Risk Assessment and Monitoring.
16. Sosialisasi pengukuran Stress Testing Bank dan Stress Testing 16. Dissemination on the Measurement of Bank Stress Testing
Terintegrasi. and Integrated Stress Testing.
17. Sosialisasi terkait penerapan manajemen risiko kepada Unit 17. Dissemination of the implementation of risk management to
Usaha Syariah secara komprehensif dalam rangka persiapan the Sharia Business Unit comprehensively as a preparation for
proses spin off UUS menjadi Bank Umum Syariah sehingga the spin-off process of the Sharia Business Unit into a Sharia
pada saat day 1 telah siap menerapkan manajemen risiko Commercial Bank so that on day 1, it’s ready to implement
yang baik dan efektif. good and effective risk management.
Kecukupan Kebijakan, Prosedur, dan Adequacy of Policies, Procedures, and Limit
Penetapan Limit Settings
Penerapan Manajemen Risiko di Bank Sinarmas didukung dengan The implementation of Risk Management at Bank Sinarmas
penetapan kerangka yang mencakup kebijakan dan prosedur is supported by establishing a framework that includes Risk
Manajemen Risiko serta limit risiko secara jelas dan sejalan dengan Management policies and procedures as well as clear risk limits
visi, misi, dan strategi Bisnis Bank serta ketentuan regulator yang that are in line with the Bank’s vision, mission, and business
berlaku. Bank telah melakukan penetapan limit risiko sesuai strategies, as well as applicable regulatory provisions. The Bank
dengan kompleksitas bisnis Bank dan melakukan monitoring has set risk limits according to the complexity of the Bank’s
terhadap limit secara periodik. business and periodically monitors these limits.
Bank Sinarmas telah memiliki kebijakan dan prosedur untuk area Bank Sinarmas has established policies and procedures for more
bisnis yang lebih spesifik, misalnya di bidang perkreditan, treasury, specific business areas, such as credit, treasury, and operations.
dan operasional. Kebijakan dan prosedur tersebut mengatur These policies and procedures regulate the setting of limits for
penetapan limit untuk masing-masing aktivitas, baik pada level each activity, both at the portfolio and transactional levels. All
portofolio maupun transaksional. Seluruh kebijakan dan prosedur policies and procedures at Bank Sinarmas represent inherent risk
di Bank Sinarmas merupakan bentuk pengelolaan risiko yang management in every operational activity, which are evaluated
melekat pada setiap aktivitas operasional Bank Sinarmas yang and periodically updated.
dievaluasi dan dimutakhirkan (update) secara berkala.
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Bank Sinarmas juga telah menetapkan Risk Appetite & Risk Bank Sinarmas also sets Risk Appetite & Risk Tolerance as
Tolerance sebagai panduan dalam mengelola limit risiko yang guidelines in managing the acceptable risk limits for the Bank in
dapat diterima oleh Bank dalam pelaksanaan aktivitas bisnis. Risk conducting business activities. Risk Appetite & Risk Tolerance are
Appetite & Risk Tolerance dikaji ulang secara berkala setiap tahun annually reviewed to adjust to the risks and complexity of future
sehingga dapat menyesuaikan dengan risiko dan kompleksitas business endeavors.
bisnis yang akan dihadapi ke depannya.
Guna memastikan kecukupan kebijakan dan prosedur dalam To ensure the adequacy of policies and procedures in identifying
mengidentifikasi risiko serta memastikan kepatuhan kebijakan Bank risks and to ensure the Bank’s compliance with regulatory provisions,
terhadap ketentuan regulator, maka setiap kebijakan yang akan every policy issued undergoes prior review by independent units,
diterbitkan selalu mendapat kajian terlebih dahulu dari satuan kerja namely the Risk Management Group, the Internal Audit Work Unit
independen, yaitu Risk Management Group, SKAI, dan SKK. (IAU), and the Compliance Work Unit (SKK).
Proses Manajemen Risiko dan Sistem Informasi Risk Management Process and Risk
Manajemen Risiko Management Information System
Penerapan manajemen risiko Bank berfokus 4 risiko utama, yaitu The implementation of the Bank’s risk management focuses on
Risiko Kredit, Risiko Operasional, Risiko Pasar & Risiko Likuiditas, four main risks, namely Credit Risk, Operational Risk, Market Risk
dengan tetap memperhatikan risiko-risiko lainnya, yaitu Risiko & Liquidity Risk, but still considering other risks, namely Legal
Hukum, Risiko Reputasi, Risiko Stratejik dan Risiko Kepatuhan. Risk, Reputation Risk, Strategic Risk, and Compliance Risk. The
Proses pelaksanaan manajemen risiko diwujudkan melalui risk management implementation process is manifested through
beberapa tahap, mulai dari Proses Identifikasi, Pengukuran, several stages, starting from the Identification, Measurement,
Pemantauan, Pengendalian Risiko, Sistem Informasi Manajemen Monitoring, Risk Control, Risk Management Information System,
Risiko, dan Pengelolaan Risiko. and Risk Management stages.
Proses Identifikasi Risiko Risk Identification process
Bank melakukan identifikasi risiko dengan menganalisis seluruh The Bank conducts risk identification by analyzing all potential
sumber risiko yang diperkirakan muncul dari produk dan aktivitas sources of risk arising from its products and activities, ensuring that
Bank, serta memastikan bahwa risiko dari produk dan aktivitas risks associated with new products and activities have undergone
baru telah melalui proses manajemen risiko yang layak sebelum appropriate risk management processes before their introduction
diperkenalkan atau dijalankan. Risk Management Group melakukan or implementation. The Risk Management Group conducts
proses identifikasi risiko menggunakan risk assessment untuk the risk identification process using risk assessment to estimate
memperkirakan potensi risiko yang akan terjadi atas aktivitas transaksi the potential risks that may arise from transaction activities or
atau produk dan menyampaikan rekomendasi kepada unit bisnis products and provides recommendations to business units and
maupun unit kerja terkait lainnya untuk meminimalkan terjadinya other relevant units to minimize the occurrence of such potential
potensi risiko tersebut dengan meningkatkan pengendalian internal risks by enhancing existing internal controls and/or adding internal
yang ada dan/atau menambahkan pengendalian internal sebagai controls as measures against potential risks. The implementation
perlakuan terhadap potensi risiko. Pelaksanaan proses identifikasi of the risk identification process is supported by management
risiko didukung oleh sistem informasi manajemen dan laporan yang information systems and accurate, informative reports regarding
akurat dan informatif mengenai kondisi keuangan, kinerja aktivitas the financial condition, performance of functional activities, and
fungsional, dan eksposur risiko Bank. risk exposure of the Bank.
Pengukuran Risiko Risk Measurement
Secara berkelanjutan, Bank telah mengembangkan metodologi The Bank continuously develops methodologies and/or risk
dan/atau alat pengukuran risiko, antara lain credit scoring, value measurement tools, including credit scoring, value at risk (VaR),
at risk (VaR), pemantauan portfolio management, stress testing, portfolio management monitoring, stress testing, credit value
credit value adjustment (CVA), pre-settlement risk (PSR), sharpe adjustment (CVA), pre-settlement risk (PSR), sharpe ratio, present
ratio, present value 1 (satu) basis poin (PV01), liquidity coverage value 1 (PV01), liquidity coverage ratio (LCR), net stable funding
ratio (LCR), net stable funding ratio (NSFR), maximum cumulative ratio (NSFR), maximum cumulative outflow (MCO), core funding,
outflow (MCO), core funding, risk control self-assessment risk control self-assessment (RCSA), loss event database (LED),
(RCSA), loss event database (LED), key risk indicator (KRI) sebagai key risk indicators (KRI), to support appropriate business decision-
pendukung untuk membuat keputusan bisnis yang tepat. Secara making. Periodically, these risk measurement tools are reviewed
periodik, alat pengukuran risiko tersebut senantiasa dikaji ulang and adjusted in line with internal and external developments/
dan disesuaikan dengan perkembangan/perubahan yang akan changes.
terjadi baik internal maupun eksternal.
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Pemantauan Risiko Risk Monitoring
Bank melakukan pemantauan risiko secara berkala dengan cara The Bank conducts regular risk monitoring by actively participating
turut serta dalam pemantauan proses pelaksanaan aktivitas bisnis in monitoring the implementation process of business and
dan operasional, pemberian kajian-kajian serta rekomendasi yang operational activities, providing studies and recommendations to
disampaikan baik kepada manajemen maupun kepada unit kerja, both management and working units, reports prepared by the
laporan-laporan yang disusun oleh internal Risk Management Group Risk Management Group internal as well as through Risk Exposure
maupun melalui Laporan Eksposur Risiko yang disampaikan oleh Reports submitted by business units and other supporting units
unit bisnis dan unit pendukung lainnya secara berkala. Adapun jenis periodically. The types of reports presented include the results of
laporan yang disampaikan yaitu berupa hasil pemantauan eksposur risk exposure monitoring along with recommendations and action
risiko beserta dengan rekomendasi dan action plan yang disampaikan plans submitted to the Board of Directors and/or the Board of
kepada Direksi dan/atau Komisaris beserta unit kerja. Commissioners and working units.
Pengendalian Risiko Risk Control
Seluruh unit kerja Bank Sinarmas melakukan pengendalian All units within Bank Sinarmas implement risk exposure controls
eksposur risiko untuk meminimalisir/memitigasi potensi risiko yang to minimize/mitigate potential risks. Risk control is carried out
dapat terjadi. Pengendalian risiko antara lain dilakukan melalui through, among other, the implementation of dual control
pelaksanaan pengawasan dual control berupa four eyes principle supervision, such as the four eyes principle, for all business and
untuk seluruh aktivitas bisnis dan operasional Bank Sinarmas. operational activities of Bank Sinarmas. Other forms of internal
Beberapa bentuk pengendalian internal lainnya antara lain melalui control include credit restructuring, the establishment of credit
pelaksanaan restrukturisasi kredit, pembentukan CKPN kredit allowance for impairment losses (CKPN), and write-offs for non-
serta write off untuk kredit yang bermasalah. Selain itu, Bank juga performing loans. Additionally, the Bank also manages its assets
melakukan pengelolaan untuk menjaga aset dan liabilitas yang and liabilities to mitigate potential liquidity risks.
dimiliki sehingga dapat memitigasi potensi risiko likuiditas.
Sistem Informasi Manajemen Risiko Risk Management Information System
Bank memandang bahwa Sistem informasi manajemen risiko The Bank considers that the Risk Management Information
merupakan hal penting untuk mendukung pelaksanaan proses System (RMIS) is essential to support the implementation of risk
identifikasi, pengukuran, pemantauan, dan pengendalian risiko. identification, measurement, monitoring, and control processes.
Sistem informasi yang dimiliki Bank, antara lain program bantu The Bank’s information system includes an Enterprise Data
Enterprise Data Management untuk mengakomodir kebutuhan Management program to accommodate data needs, including
data, seperti monitoring portofolio kredit dan dana pihak monitoring credit portfolios and third-party funds, a credit scoring
ketiga, program bantu scoring kredit dalam rangka menganalisis program to analyze the creditworthiness of borrowers, and a Loss
kelayakan dalam pemberian kredit kepada debitur, serta program Event Database (LED) program to identify operational risks in the
bantu loss event database (LED) untuk mengidentifikasi risiko Bank.
operasional Bank.
Bank juga telah mengimplementasikan Sistem Treasury (OSTS) The Bank also implements an Integrated Treasury System (OSTS)
yang terintegrasi dengan manajemen risiko. Tujuannya adalah which is integrated with risk management. It aims to support the
untuk mendukung pelaksanaan proses identifikasi, pengukuran, implementation of risk identification, measurement, monitoring,
pemantauan dan pengendalian risiko pada aktivitas treasury. and control processes in treasury activities.
Di samping itu, Bank sudah mengimplementasikan sistem untuk Furthermore, the Bank has implemented systems to accommodate
mengakomodir perhitungan rasio LCR, NSFR dan maximum the calculation of LCR, NSFR, and Maximum Cumulative Outflow
cumulative outflow (MCO), serta sedang mengembangkan sistem (MCO) ratios, and is currently developing the IRRBB system. These
IRRBB. Sistem ini akan membantu Bank dalam mengoptimalkan systems will assist the Bank in optimizing the execution of liquidity
pelaksanaan fungsi pengelolaan Risiko Likuiditas dan Pasar. and market risk management functions.
Bank, selaku Entitas Utama, menyadari pentingnya pengelolaan The Bank, as the Main Entity, Is aware of the importance of
risiko Konglomerasi Keuangan secara komprehensif serta comprehensive and integrated financial conglomeration risk
terintegrasi untuk seluruh Pelaku Usaha Jasa Keuangan management for all Financial Services Business Actors (PUJK).
(PUJK) sehingga Bank sedang mengembangkan sistem terkait Therefore, the Bank is developing an integrated Financial
Konglomerasi Keuangan yang terintegrasi terkait Pelaporan Profil Conglomeration system related to Integrated Risk Profile
Risiko Terintegrasi, Laporan Transaksi Intragorup, Laporan Risk Reporting, Intragroup Transaction Reporting, Risk Appetite & Risk
Appetite & Risk Tolerance, serta Laporan Stress Test Terintegrasi. Tolerance Reporting, and Integrated Stress Test Reporting.
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Seluruh sistem informasi manajemen risiko yang dimiliki oleh Bank All risk management information systems of the Bank generate
menghasilkan laporan atau informasi mengenai eksposur risiko, reports or information regarding risk exposure, compliance with
kepatuhan pelaksanaan manajemen risiko terhadap kebijakan dan risk management implementation to the policies and procedures
prosedur yang disusun serta kepatuhan terhadap penetapan limit. established, as well as compliance with limit setting. The type
Bentuk laporan yang sudah disampaikan sebagai bagian dari sistem of report is already provided as part of the risk management
informasi manajemen risiko, antara lain Laporan Tingkat Kesehatan information system including the Bank Soundness Level Report,
Bank, Laporan Profil Risiko Bank yang disampaikan secara berkala the Bank Risk Profile Report submitted periodically to the Board
kepada Direksi dan Komite Manajemen Risiko, Laporan Portofolio of Directors and the Risk Management Committees, Credit
Kredit, Laporan Portofolio Surat Berharga, Laporan Monitoring Risk Portfolio Reports, Securities Portfolio Reports, Risk Appetite & Risk
Appetite & Risk Tolerance, serta Laporan RCSA & LED. Tolerance Monitoring Reports, as well as RCSA & LED Reports.
Pengelolaan Risiko Risk Management
Penyempurnaan penerapan manajemen risiko juga melalui The improvement of risk management implementation also involves
2 pendekatan, yaitu pengelolaan risiko melalui permodalan dan two approaches: risk management through capital management
pengelolaan risiko melalui aktivitas operasional sehingga diharapkan and risk management through operational activities, aiming to
tercapai pengelolaan risiko yang melekat dalam pengelolaan bisnis. achieve inherent risk management in business management.
1. Pengelolaan Risiko melalui Permodalan dan 1. Risk Management through the Bank Capital and Liquidity
Likuiditas Bank
Bank memastikan kecukupan modal untuk mengelola The Bank ensures an adequate capital to manage (cover)
(cover) risiko kredit, risiko pasar dan risiko operasional, baik credit risk, market risk, and operational risk, both based
berdasarkan ketentuan regulator (Otoritas Jasa Keuangan on regulatory requirements (Financial Services Authority
dan Basel) maupun kebutuhan internal Bank. Sesuai dengan and Basel) and internal Bank needs. In accordance with the
rancangan ketentuan regulator mengenai perhitungan risiko regulator’s draft regulations regarding the calculation of
operasional dan risiko kredit Bank maka untuk tahun 2023 operational risk and credit risk for the Bank, adjustments were
terdapat penyesuaian untuk penyempurnaan perhitungan made in 2023 to refine the calculation of risk-weighted assets
aktiva tertimbang risiko kredit dan risiko operasional serta for credit and operational risks, and trial calculations of risk-
melakukan uji coba perhitungan aktiva tertimbang risiko weighted assets for market risk were conducted using the
pasar dengan menggunakan metode Standardized Approach. Standardized Approach method.
Terkait dengan Basel 3, Bank meningkatkan kecukupan In term of Basel 3, the Bank has enhanced capital adequacy
permodalan baik secara kualitas maupun kuantitas sesuai both qualitatively and quantitatively in accordance with
dengan ketentuan Otoritas Jasa Keuangan. Implementasi Financial Services Authority regulations. The implementation
Basel 3 pada Bank Sinarmas telah diterapkan secara of Basel 3 at Bank Sinarmas has been carried out gradually,
bertahap antara lain berupa penguatan modal seperti melalui including capital strengthening through leverage ratio
perhitungan leverage ratio, penguatan likuiditas melalui calculation, liquidity strengthening through the calculation of
perhitungan rasio net stable funding ratio (NSFR) dan liquidity the net stable funding ratio (NSFR) and liquidity coverage ratio
coverage ratio (LCR) serta penguatan risiko pasar melalui (LCR), and market risk strengthening through the calculation
perhitungan interest rate risk in banking book (IRRBB). of the interest rate risk in the banking book (IRRBB).
2. Pengelolaan Risiko melalui Aktivitas Operasional 2. Risk Management through the Operational Activities
Pengelolaan risiko melalui aktivitas operasional ditujukan Risk management through operational activities is aimed at
untuk mengelola risiko kredit, risiko pasar dan risiko likuiditas managing credit risk, market risk, liquidity risk, and operational
serta risiko operasional pada level yang dapat diterima. Bank risk at an acceptable level. The Bank implements Risk Appetite
menerapkan Risk Appetite & Risk Tolerance dalam bentuk & Risk Tolerance in the form of policies and procedures,
kebijakan dan prosedur serta penetapan batasan risiko as well as setting maximum risk limits to be taken. The
maksimal yang akan diambil. Penetapan limit didasarkan atas establishment of limits is based on overall limits, limits per type
limit secara keseluruhan, limit per jenis risiko maupun limit per of risk, and limits per specific functional activity that has risk
aktivitas fungsional tertentu yang memiliki eksposur risiko. exposure. Specifically, the management of Credit, Market, and
Secara spesifik, untuk pengelolaan Risiko Kredit, Pasar dan Operational Risks is conducted through front end, middle end,
Operasional dilakukan melalui front end, middle end dan back and back end processes, as well as through the establishment
end serta melalui penetapan limit-limit. Untuk pengelolaan of limits. The operational risk management is also carried out
risiko operasional juga dilakukan oleh seluruh unit kerja by all units for the products and activities performed, reviewed
terhadap produk dan aktivitas yang dilakukan serta review by the Risk Management Group, and the effectiveness of its
oleh Risk Management Group dan dipastikan keefektifan implementation is ensured by Internal Audit.
pelaksanaannya (assurance) oleh Internal Audit.
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Hasil Review atas Efektivitas Penerapan Review Results on the Effectiveness of Risk
Manajemen Risiko Management Implementation
Bank senantiasa melakukan review atas penerapan manajemen The Bank consistently conducts periodic reviews of risk
risiko secara berkala. Selain untuk menyesuaikan dengan management implementation. In addition to adjusting to existing
peraturan perundang-undangan yang ada, hal tersebut juga regulations, the review is also conducted to respond to dynamics
dilakukan sebagai respons atas dinamika yang terkait dengan related to the Bank’s business. The review process is carried out
bisnis Bank. Pelaksanaan proses review antara lain dilaksanakan comprehensively, covering risk identification, measurement,
secara menyeluruh, baik untuk proses identifikasi, pengukuran, monitoring, and control processes. Furthermore, risk management
pemantauan dan pengendalian risiko. Selain itu, sistem information systems are also crucially developed to support the
informasi manajemen risiko juga merupakan hal penting yang risk management implementation process. One of them is through
dikembangkan dalam rangka mendukung proses penerapan the implementation of the Integrated Treasury System (OSTS)
manajemen risiko. Salah satunya dengan adanya implementasi which is integrated with risk management. It aims to support the
Sistem Treasury (OSTS) yang terintegrasi dengan manajemen implementation of risk identification, measurement, monitoring,
risiko. Tujuannya adalah untuk mendukung pelaksanaan proses and control processes in treasury activities.
identifikasi, pengukuran, pemantauan, dan pengendalian risiko
pada aktivitas treasury.
Pernyataan Direksi dan/atau Dewan Komisaris Statement of the Board of Directors and/or
atau Komite Audit atas Kecukupan | Board of Commissioners or Audit Committee
Manajemen Risiko on the Adequacy of Risk Management System
Dalam organisasi manajemen risiko, Dewan Komisaris dan In risk management organization, the Board of Commissioners
Direksi berperan melakukan pengawasan terhadap pelaksanaan and the Board of Directors play a role in supervising the
di Bank. Dalam melaksanakan tugas dan fungsinya, Dewan implementation within the Bank. In carrying out their duties
Komisaris juga dibantu oleh organ di bawahnya, termasuk di and functions, the Board of Commissioners is also assisted by its
antaranya Komite Audit. subordinates, including the Audit Committee.
Kebijakan internal Bank terkait dengan manajemen risiko The Bank’s internal policies related to risk management are
telah mengacu peraturan perundang-undangan yang berlaku, referred to applicable laws and regulations, including the
termasuk ketentuan Basel Committee on Banking Supervision provisions of the Basel Committee on Banking Supervision (BCBS).
(BCBS). Mengacu pada peraturan-peraturan tersebut, Bank Referring to these regulations, the Bank also has a mechanism for
juga memiliki mekanisme review yang dilakukan secara berkala periodic reviews to assess the effectiveness of risk management
terhadap efektivitas penerapan manajemen risiko. implementation.
Melalui berbagai pertimbangan tersebut, Direksi dan Dewan Through various considerations, the Board of Directors and
Komisaris memandang bahwa kecukupan manajemen risiko the Board of Commissioners consider that the adequacy of
Bank hingga tahun 2023 telah memadai di mana penerapan the Bank’s risk management until 2023 was sufficient, where
kerangka manajemen risiko juga senantiasa diselaraskan dengan the implementation of the risk management framework was
perkembangan kondisi bisnis Bank, maupun faktor-faktor lain continuously aligned with the development of the Bank’s business
yang mempengaruhnya. conditions, as well as other influencing factors.
Pengungkapan Eksposur Permodalan dan Risiko Capital and Risk Exposure Disclosure
PERMODALAN CAPITAL
Penjelasan Kualitatif Qualitative Explanation
Bank Sinarmas telah menjaga soliditas struktur permodalan Bank Sinarmas has maintained the solidity of its capital structure
yang berasal dari Modal Inti (Tier I). Pada tahun 2023, seluruh derived from Tier I Capital. In 2023, all capital needs of Bank
kebutuhan permodalan Bank Sinarmas dapat terpenuhi dari Sinarmas were met through organic capital growth supported by
pertumbuhan modal secara organik dengan didukung oleh kinerja the Bank’s healthy financial performance.
keuangan Bank yang sehat.
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Struktur Permodalan Capital Structure
Sesuai dengan ketentuan Otoritas Jasa Keuangan, struktur In line with Financial Services Authority Regulation, the capital
permodalan Bank Sinarmas terdiri dari: structure of Bank Sinarmas consists of:
1. Modal Inti (Tier 1) 1. Core Capital (Tier 1)
Modal Inti (Tier 1), terdiri dari Modal Inti Utama (Common Core Capital (Tier 1) consists of Common Equity Tier 1 (CET
Equity Tier - CET 1) dan Modal Inti Tambahan (Additional 1) and Additional Core Capital (Additional Tier 1). Common
Tier 1). Modal inti utama mencakup modal disetor, cadangan Equity Tier 1 comprises paid-up capital, additional capital
tambahan modal (disclosure reserve) dan faktor pengurang reserves (disclosure reserve), and deductions from Common
modal inti utama. Cadangan tambahan modal terdiri atas Equity Tier 1 capital. Additional capital reserves consist of
faktor penambah (pendapatan komprehensif lainnya dan additional factors (other comprehensive income and other
cadangan tambahan modal lainnya) dan faktor pengurang additional capital reserves) and deducting factors (other
(pendapatan komprehensif lainnya dan cadangan tambahan comprehensive income and other additional capital reserves).
modal lainnya).
2. Modal Pelengkap (Tier 2) 2. Supplementary Capital (Tier 2)
Modal Pelengkap (Tier 2) meliputi Instrumen modal dalam The supplementary Capital (Tier 2) consists of capital
bentuk saham atau lainnya yang memenuhi persyaratan instruments in the form of shares or other that meet Tier 2
Tier 2, Cadangan umum PPA atas aset produktif yang wajib requirements, PPA general reserves for earning assets that
dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) serta must be formed (maximum 1.25% of Credit Risk RWA) and
Penempatan dana pada instrumen Tier 2 pada bank lain. placement of funds in Tier 2 instruments at other banks.
Pemenuhan struktur modal Bank Sinarmas di tahun 2023 dan The fulfillment of Bank Sinarmas’ capital structure in 2023 and
2022, diungkapkan sebagai berikut. 2022 is disclosed as follows.
dalam jutaan Rupiah / in million Rupiah
Jenis Modal / Types of Capital 2023 2022
Modal Inti (Tier 1) 7.283.216 6.783.476
Modal Pelengkap (Tier 2) 711.607 676.037
Jumlah Modal 7.994.823 7.459.513
Kecukupan Permodalan Capital Adequacy
Bank Sinarmas telah melakukan pengelolaan modal sesuai dengan Bank Sinarmas has managed its capital in accordance with Bank
regulasi Bank Indonesia dan Otoritas Jasa Keuangan (Basel 2 dan Indonesia and the Financial Services Authority regulations (Basel
Basel 3) dalam rangka memastikan bahwa Bank dapat menjaga 2 and Basel 3) to ensure that the bank can maintain its capital
kecukupan modalnya untuk mencover risiko-risiko utama pada adequacy to cover key risks in banking activities, namely Credit
kegiatan perbankan, yaitu Risiko Kredit, Risiko Pasar dan Risiko Risk, Market Risk, and Operational Risk, while still providing
Operasional, dengan tetap memberikan return bagi pemangku returns to stakeholders.
kepentingan.
Untuk perhitungan kecukupan modal dengan memperhitungkan In term of the calculation of capital adequacy considering credit
risiko kredit, risiko pasar, dan risiko operasional, Bank risk, market risk, and operational risk, Bank Sinarmas has adjusted
Sinarmas telah menyesuaikan dengan ketentuan regulator according to the relevant regulatory requirements using the Basel
terkait menggunakan Pendekatan Standar Basel (Standardized Standardized Approach.
Approach).
Bank Sinarmas memiliki tingkat permodalan yang memadai Bank Sinarmas has adequate capital with a capital adequacy ratio
dengan rasio kecukupan modal (capital adequacy ratio/CAR) (CAR) of 25.34% as of December 2023. This position is above
sebesar 25,34% pada Desember 2023. Posisi tersebut di atas the minimum requirements according to the risk profile set by the
persyaratan minimum sesuai profil risiko yang ditetapkan oleh regulator; thus, it is highly sufficient to support the Bank’s business
regulator, sehingga sangat memadai untuk mendukung rencana plans balanced with efforts to anticipate all faced risks.
bisnis Bank yang diimbangi dengan upaya dalam mengantisipasi
seluruh risiko yang dihadapi.
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Selain perhitungan tersebut, Bank Sinarmas juga memperhitungkan In addition to those calculations, Bank Sinarmas also considers
kecukupan permodalan dengan mengacu kepada Pilar 2 Basel capital adequacy in reference to Pillar 2 of Basel II, known as the
II atau yang lebih dikenal dengan pendekatan internal capital Internal Capital Adequacy Assessment Process (ICAAP). According
adequacy assessment process (ICAAP). Sesuai dengan peringkat to the risk profile rating of the Bank, the minimum maintained
profil risiko Bank, maka perhitungan ICAAP Bank dijaga minimal ICAAP calculation is 10%-11%, or as per regulatory requirements.
sebesar 10%-11% atau sesuai dengan ketentuan regulator.
Sebagaimana yang disyaratkan oleh regulator, Bank Sinarmas As required by the regulator, Bank Sinarmas is obliged to form
wajib membentuk tambahan modal sebagai penyangga (buffer) additional capital as a buffer in addition to provide minimum capital
selain menyediakan modal minimum sesuai profil risiko. Tambahan according to the risk profile. The additional capital as stipulated
modal sesuai ketentuan regulator yang dibentuk Bank Sinarmas by the regulator formed by Bank Sinarmas is in the form of a
adalah berupa countercyclical buffer, yaitu yang berfungsi countercyclical buffer, which serves as a buffer to anticipate losses
sebagai penyangga (buffer) untuk mengantisipasi kerugian due to excessive growth in banking credit that could potentially
apabila terjadi pertumbuhan kredit perbankan yang berlebihan disrupt financial system stability. In accordance with regulations
sehingga berpotensi mengganggu stabilitas sistem keuangan. regarding the fulfillment of these buffers, the mandatory
Sesuai dengan regulasi terkait pemenuhan buffer tersebut, maka percentage of buffers to be met by Bank Sinarmas consists of a
persentase buffer yang wajib dipenuhi oleh Bank Sinarmas yaitu countercyclical buffer of 0% and a capital conservation buffer of
berupa countercyclical buffer sebesar 0% dan capital conservation 2.5%.
buffer sebesar 2,5%.
RISIKO RISK
Penilaian Profil Risiko Risk Profile Assessment
Peringkat risiko komposit Bank Sinarmas per 31 Desember 2023, The composite risk rating of Bank Sinarmas as of December
yaitu peringkat 2 (Low to Moderate) dengan tren stabil dengan 31, 2023, is ranked 2 (Low to Moderate) with a stable trend,
penilaian risiko melekat (inherent risk) pada peringkat 2 atau Low inherent risk assessment at level 2 or Low to Moderate and the
to Moderate dan Kualitas Penerapan Manajemen Risiko (KPMR) Quality of Risk Management Implementation (KPMR) at level 2 or
pada peringkat 2 atau Satisfactory. Satisfactory.
Profil Risiko Risk Profile
Risiko Kredit Credit Risk
Risiko kredit adalah risiko yang timbul akibat kegagalan debitur/ Credit risk is the risk arising from the failure of the debtor/
pihak lawan (counterparty) serta pihak lainnya dalam memenuhi counterparty and other parties to fulfill their maturing obligation.
kewajibannya ketika jatuh tempo. Berbagai kewajiban ini dapat These various obligations can arise from various functional
timbul dari beragam aktivitas fungsional penyediaan dana, seperti activities related to fund provision, such as credit, treasury,
perkreditan, treasury, investasi, dan pembiayaan perdagangan investment, and trade finance.
(trade finance).
Proses pengelolaan kredit Bank Sinarmas diawali dengan The credit management process at Bank Sinarmas begins with
menentukan target pasar dalam menyalurkan kredit dengan identifying the target market for credit disbursement by referring
mengacu pada risk acceptance criteria dan dilanjutkan dengan to risk acceptance criteria, and then proceeds with conducting
melakukan risk assessment & monitoring atas pemberian risk assessment and monitoring for credit provision. In disbursing
kredit. Dalam menyalurkan kredit, Bank Sinarmas senantiasa credit, Bank Sinarmas always prioritizes prudential principles,
mengedepankan prinsip kehati-hatian di mana seluruh aktivitas where all credit management activities will be analyzed by a
pengelolaan kredit akan dianalisis oleh Unit Credit Analyst yang separate Credit Analyst Unit independent from business units
terpisah dengan unit bisnis dan unit risiko kredit yang independen. and credit risk units. Bank Sinarmas consistently adheres to the
Bank Sinarmas senantiasa berpedoman pada Kebijakan Bank Sinarmas Credit Policy as well as regulations established by
Perkreditan Bank Sinarmas serta ketentuan yang ditetapkan oleh regulators in managing credit risk end-to-end.
regulator dalam mengelola risiko kredit secara end-to-end.
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1. Penerapan Manajemen Risiko Kredit 1. Implementation of Credit Risk Management
a. Struktur Organisasi Manajemen Risiko Kredit a. Organizational Structure of Credit Risk Management
Risk Management Group dalam menjalankan wewenang The Risk Management Group, in carrying out its authority and
dan tanggung jawabnya melakukan fungsi pengawasan responsibilities, performs independent supervisory functions of
yang independen dari aktivitas bisnis serta melakukan business activities and conducts identification, measurement,
identifikasi, pengukuran, pemantauan, dan pengendalian monitoring, and control of risks, as well as reports on the
risiko dan menyampaikan laporan atas tingkat risiko. risk levels. The credit risk management organization of Bank
Organisasi manajemen risiko kredit Bank Sinarmas Sinarmas implements the four eyes principle system as one
menerapkan sistem four eyes principle sebagai salah satu of the credit risk controls in the process of granting credit for
pengendalian Risiko Kredit pada proses pemberian kredit Corporate, Channeling/Joint Financing, Financial Institution,
pada segmen Corporate, Channeling /Joint Financing, Commercial, Micro, Small Medium Enterprise (MSME), and
Financial Institution, Commercial, Micro, Small Medium Consumer segments.
Enterprise (SME), dan Consumer.
b. Strategi Manajemen Risiko Kredit b. Credit Risk Management Strategy
1) Bank telah menetapkan prosedur dan kebijakan 1) The Bank has determined credit procedures and policies,
kredit, pengaturan limit, tingkat risiko yang diambil set credit limits, determined the risk appetite, defined
(risk appetite) dan toleransi risiko (risk tolerance) serta the risk tolerance, and conducted regular monitoring
melakukan pemantauan dan evaluasi secara berkala and evaluation to ensure that all risks arising from
untuk memastikan bahwa seluruh risiko yang mungkin the credit granting process can be mitigated through
timbul dari proses pemberian kredit dapat dimitigasi consistent application of the “four-eyes principle.” The
dengan penerapan prinsip ”four eyes principles” Risk Management Work Unit conducts risk assessments,
secara konsisten. Satuan Kerja Manajemen Risiko provides independent recommendations on exposure and
melakukan penilaian risiko memberikan rekomendasi credit limits, and identifies the inherent risks associated
secara independen terhadap eksposur dan limit kredit with products and activities related to credit.
serta mengidentifikasi besaran risiko yang melekat pada
produk dan aktivitas yang terkait dengan perkreditan.
2) Bank juga melakukan assessment dan monitoring 2) The Bank also conducts assessments and monitoring while
dengan memperhatikan konsep one obligor, considering the concept of one obligor, monitoring credit
pemantauan konsentrasi kredit berdasarkan sektor concentration based on economic sectors, core debtors,
ekonomi, debitur inti, penyediaan dana kepada pihak funding provided to related parties, unrelated parties,
terkait (related party), pihak tidak terkait serta and large fund providers by conducting comprehensive
penyediaan dana besar dengan melakukan analisis analysis and risk assessment provided by the Risk
secara komprehensif dan risk assessment diberikan Management Group and the Compliance Work Unit (SKK)
dari Risk Management Group serta SKK sebagai as a unit. In its implementation, the Bank ensures that the
Unit Independen, serta dalam pelaksanaannya, Bank credit portfolio is not concentrated in specific groups or
memastikan portofolio kredit tidak terkonsentrasi individuals and there are no breaches or violations of the
pada kelompok atau individu tertentu serta tidak maximum credit limits (BMPK) by adhering to regulatory
terdapat pelampauan atau pelanggaran batas provisions regarding funding provided to related and
maksimum pemberian kredit (BMPK) dengan unrelated parties.
mematuhi ketentuan regulator atas penyediaan dana
kepada pihak terkait dan kepada pihak tidak terkait.
3) Pemantauan terhadap perkembangan portofolio 3) Monitoring of the Bank’s credit portfolio development
kredit Bank dilakukan secara intensif sehingga is conducted intensively, allowing the Bank to take
memungkinkan Bank untuk melakukan tindakan preventive actions in a timely manner with the
pencegahan secara tepat waktu dengan implementasi implementation of early warning systems to detect
early warning sebagai upaya mendeteksi debitur potential deterioration in credit quality. The monitoring
yang berpotensi terjadi penurunan kualitas kredit. of the Bank’s credit portfolio is organized based on
Pemantauan portofolio kredit Bank disusun usage types, economic sectors, core debtors, facility
berdasarkan jenis penggunaan, sektor ekonomi, types, debtor categories, currency, geographic regions,
debitur inti, jenis fasilitas, kategori debitur, jenis branches, and others. Progress reports on the portfolio
mata uang, geografis, cabang dan lainnya. Laporan development are regularly submitted to the Board of
perkembangan portofolio tersebut disampaikan Directors.
kepada Direksi secara berkala.
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4) Dalam rangka memenuhi ketentuan regulator 4) In order to comply with regulatory requirements regarding
sehubungan dikeluarkannya kebijakan rasio the issuance of the Macroprudential Inclusive Financing
pembiayaan inklusif makroprudensial (RPIM) dalam Ratio (RPIM) policy in the inclusive financing sector and
sektor pembiayaan inklusif dan usaha mikro, kecil micro, small, and medium enterprises (MSMEs), in 2023,
dan menengah (UMKM), maka pada tahun 2023 the Bank was committed to focusing on credit to the small
Bank tetap berkomitmen fokus kepada penyaluran and medium enterprise (SME) segment. The realization of
kredit pada segmen usaha kecil dan menengah the RPIM ratio as of 31 December 2023 met the target
(UMKM) dan realisasi pencapaian rasio RPIM posisi 31 risk appetite and risk tolerance set by the Bank.
Desember 2023 telah memenuhi target risk appetite
dan risk tolerance yang ditetapkan.
5) Untuk akselerasi proses persetujuan kredit pada 5) For accelerating the credit approval process in the MSME
segmen MSME dan consumer, Bank menggunakan and consumer segments, the Bank utilizes credit scoring
credit scoring sebagai alat bantu komite untuk as a tool to assist the committee in assessing the eligibility
menilai kelayakan calon debitur dalam memperoleh of potential borrowers to make approval decisions
pinjaman untuk membuat keputusan persetujuan quickly, efficiently, and objectively.
secara cepat, efisien, dan obyektif. 6) Monitoring of the MSME and commercial credit portfolios
6) Pemantauan terhadap portofolio kredit MSME dan is conducted daily by the business units in the form of
commercial dilakukan secara harian oleh unit bisnis daily reports submitted to micro units. These reports serve
dalam bentuk laporan harian yang disampaikan as dashboards for the micro units, enabling them to take
kepada unit-unit mikro. Laporan tersebut digunakan early action in handling borrowers who are starting to fall
sebagai dashboard bagi unit-unit mikro sehingga dapat behind.
sedini mungkin melakukan tindak lanjut penanganan
terhadap debitur-debitur yang mulai menunggak.
7) Perkembangan teknologi yang cepat dan dinamis 7) Due to rapid and dynamic technological developments
seta dorongan dari pandemi, maka sejak tahun 2021, along with the pandemic, since 2021, the Bank has
Bank telah melakukan akselerasi transformasi digital accelerated digital transformation efforts with the
dengan pengembangan sistem untuk penyaluran kredit development of a system for credit disbursement through
dilakukan melalui aplikasi secara digital (digital loan), di digital applications (digital loans). A credit risk engine has
mana dibangun credit risk engine sebagai underwriting been built as an underwriting system to assist in analyzing
system untuk membantu menganalisis dan menilai and assessing the eligibility of prospective borrowers
kelayakan calon debitur untuk menerima pinjaman dari to receive loans from the Bank. The Bank develops risk
Bank. Bank melakukan pengembangan model risiko models such as credit scoring and periodically conducts
berupa credit scoring dan secara periodik dilakukan performance analysis, model calibration, and validation of
analisa performance monitoring, kalibrasi model dan scoring models for each digital loan product to maintain
validasi atas scoring model pada setiap produk digital the reliability and validity of the model.
loan untuk menjaga keandalan dan validitas model.
8) Pandemi Covid-19 yang terjadi sejak Maret 2020 8) The Covid-19 pandemic, which has hit since March 2020
sampai dengan saat ini berdampak terhadap hampir until now, has impacted nearly all sectors of business,
seluruh sektor usaha, salah satunya sektor keuangan including the banking and financial sector. Nationally,
perbankan. Secara nasional, pembiayaan terhadap financing for new customers tends to grow slower. As
nasabah baru cenderung bertumbuh melambat. part of the Bank’s commitment to participating in the
Sebagai komitmen Bank untuk ikut serta dalam national economic recovery, the Bank has established
pemulihan ekonomi nasional, Bank menetapkan policies regarding credit handling for customers affected
kebijakan terkait penanganan kredit kepada by Covid-19 through relaxation programs as stipulated by
nasabah yang terdampak Covid-19 melalui program the Regulator. These programs aim to mitigate the decline
relaksasi sebagaimana ditetapkan oleh Regulator, in credit quality from borrowers/customers. In addition,
program tersebut dapat menekan penurunan the Bank also limits credit disbursement, which is done
kualitas kredit dari debitur/nasabah. Selain itu Bank very selectively, prioritizing sectors that still have business
juga membatasi penyaluran kredit yang dilakukan prospects and adequate collateral, while intensifying strict
dengan sangat selektif dan mengutamakan sektor monitoring of all debtors.
yang masih memiliki prospek usaha dan agunan yang
memadai, serta meningkatkan pemantauan secara
ketat terhadap seluruh debitur.
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c. Pengelolaan Risiko Konsentrasi Kredit c. Credit Concentration Risk Management
Dalam hal mengelola portofolio kredit, Bank memperhatikan In managing the credit portfolio, the Bank highlights and
dan melakukan evaluasi dalam pelaksanaan diversifikasi evaluates the implementation of credit disbursement
penyaluran kredit serta dalam hal mengelola risiko diversification as well as Credit Concentration Risk
Konsentrasi Kredit. Bank senantiasa melakukan monitoring Management. The Bank consistently carries out monitoring
untuk memastikan tidak terdapat pelampauan limit dan to ensure there are no breaches of limits and credit quality
kualitas kredit terjaga sesuai risk appetite dan risk tolerance. is maintained in accordance with risk appetite and risk
Bank melakukan pengelolaan risiko konsentrasi kredit tolerance. The Bank manages credit concentration risk by
dengan menentukan limit disesuaikan dengan kebutuhan setting limits adjusted to needs and the level of risk taken
dan tingkat risiko yang diambil dengan memperhatikan risk by considering risk appetite and risk tolerance, as well as
appetite dan risk tolerance serta memperhitungkan dampak considering its impact. This includes establishing limits on
risikonya, antara lain menetapkan batasan pemberian kredit credit provision to a single debtor/group in accordance with
kepada satu debitur/grup sesuai dengan regulasi terkait batas regulations related to the maximum credit limit (BMPK),
maksimum pemberian kredit (BMPK) limit sektor ekonomi, limits on economic sectors, core debtors, NPL ratios (gross,
debitur inti, rasio NPL (gross, net dan per segmentasi), CKPN net, and segmented), allowance for impairment losses
untuk NPL dan rasio pembiayaan inklusif makroprudensial (CKPN) for NPL, and the Macroprudential Inclusive Financing
(RPIM). Pemantauan terhadap risiko konsentrasi tersebut Ratio (RPIM). Monitoring of concentration risks is conducted
dilakukan secara bulanan. Dalam penetapan limit risiko on a monthly basis. In setting these concentration risk limits,
konsentrasi tersebut Bank telah mempertimbangkan kondisi the Bank has considered historical conditions, banking
historis, Statistik Perbankan, Ketentuan Regulator, Modal statistics, regulatory provisions, the Bank’s capital, Peers/Bank
Bank, Peers/Bank Benchmarking dan rencana Portofolio benchmarking, and the Bank’s portfolio plan established in
Bank yang ditetapkan sesuai dengan Rencana Bisnis Bank. line with the Bank’s business plan.
d. Pengukuran dan Pengendalian Risiko Kredit d. Credit Risk Measurement and Control
1) Pengukuran Risiko Kredit 1) Credit Risk Measurement
Dalam mengukur beban modal atas Risiko Kredit, In measuring the capital charge for Credit Risk, the
Bank menggunakan metode standar sesuai yang Bank utilizes the standard method as regulated
diatur dalam Surat Edaran Otoritas Jasa Keuangan in Financial Services Authority Circular No. 24/
No. 24/SEOJK.03/2021 tentang Perhitungan Aset SEOJK.03/2021 on the Calculation of Risk-Weighted
Tertimbang Menurut Risiko Untuk Risiko Kredit dengan Assets for Credit Risk Using the Standard Approach
Menggunakan Pendekatan Standar Bagi Bank Umum. for Commercial Banks. Assessment of the Credit
Penilaian terhadap Profil Risiko Kredit juga dilakukan Risk Profile is also conducted periodically to measure
secara berkala untuk mengukur risiko yang melekat inherent risks and the adequacy of risk management
serta kecukupan penerapan manajemen risiko. Risiko implementation. Inherent risks are measured
yang melekat diukur dengan menggunakan sejumlah using several parameters, including portfolio asset
parameter yang mencakup antara lain komposisi composition and concentration levels, the quality of
portofolio aset dan tingkat konsentrasi, kualitas the provision of funds and the adequacy of reserves,
penyediaan dana dan kecukupan pencadangan, the strategy of funding provision and sources, and
strategi penyediaan dana dan sumber timbulnya external factors.
penyediaan dana dan faktor eksternal.
Secara berkala, Bank melakukan stress testing dengan The Bank periodically conducts stress testing with
berbagai skenario dan review terhadap faktor dan various scenarios and reviews factors and parameters
parameter dalam stress testing guna mengukur seberapa within stress testing to measure the potential increase
besar potensi kenaikan non-performing loan yang in non-performing loans experienced by the Bank
dialami Bank dan potensi penambahan pembentukan and the potential addition of the allowance for
CKPN, serta untuk mengukur kemampuan ketahanan impairment losses (CKPN) formation, as well as to
permodalan dan CAR Bank dalam mengatasi kondisi measure the capital resilience and CAR of the Bank’s
ekstrim yang mungkin terjadi akibat perubahan kondisi ability to cope with extreme conditions that may
ekonomi yang memburuk. Hal ini dilakukan untuk arise due to worsening economic conditions. This
mendapatkan informasi yang diperlukan dalam upaya is done to obtain the necessary information for the
mitigasi risiko yang paling tepat dan akurat. Hasil Stress most appropriate and accurate risk mitigation efforts.
Testing secara umum menunjukkan Bank Sinarmas The results of stress testing generally indicate that
memiliki permodalan dan likuiditas yang kuat dalam Bank Sinarmas has a strong capital and liquidity in
mengantisipasi estimasi kerugian dari potensi risiko anticipating estimated losses from potential risk that
yang dihadapi dalam skenario terburuk. could arise in the worst scenario.
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2) Pengendalian Risiko Kredit 2) Credit Risk Control
Bank mengembangkan serta menerapkan risk The Bank develops and implements risk governance
governance sebagai bagian dalam pengendalian as part of credit internal control as follows:
internal perkreditan sebagai berikut.
a) Lini pertama (pilar bisnis dan pendukung) terutama a) The first line (business and support pillars) is
bertanggung jawab mengelola risiko kredit yang primarily responsible for managing credit risk,
merupakan bagian dari aktivitasnya sehari-hari. which is part of its daily activities.
b) Lini kedua menyediakan sumber daya yang b) The second line provides the necessary resources
diperlukan untuk mengembangkan kerangka to develop the credit risk framework, policies,
kerja risiko kredit, kebijakan, metodologi dan methodologies, and credit risk tools in managing
perangkat risiko kredit dalam pengelolaan risiko material credit risks across the bank-wide scope.
kredit yang bersifat material secara bank wide.
c) Lini ketiga merupakan audit internal dan kontrol c) The third line consists of internal audit and
internal, yang secara independen bertugas untuk internal control, which independently examine
melakukan pemeriksaan terhadap kepatuhan, compliance, adequacy, and effectiveness of the
kecukupan dan efektivitas proses manajemen credit risk management processes.
risiko kredit.
3) Dalam menjalankan fungsi manajemen risiko kredit, 3) In carrying out the credit risk management function,
proses persetujuan kredit telah diatur dalam kebijakan the credit approval process has been regulated in the
bank, yaitu dengan menetapkan wewenang di cabang- Bank’s policy by assigning authorities at branches,
cabang, kantor wilayah, dan kantor pusat sehingga regional offices, and head offices to enable an
memungkinkan proses pengambilan keputusan optimal credit decision-making process. Along with
kredit yang optimal. Seiring dengan bertumbuhnya the Bank’s credit growth, to support effectiveness
perkreditan Bank, maka untuk mendukung efektivitas and efficiency in loan applications and expedite the
dan efisiensi dalam pengajuan permohonan kredit credit approval process, the Bank utilizes an assisting
serta mempercepat pelaksanaan proses persetujuan program known as PEGA, which is continuously
kredit, Bank menggunakan suatu program bantu developed and refined in the commercial, MSME, and
yang dikenal dengan PEGA yang terus dikembangkan consumer credit application processes by applying
dan disempurnakan dalam proses pengajuan kredit comprehensive risk parameters.
commercial, MSME, dan consumer dengan menerapkan
parameter-parameter risiko secara menyeluruh.
4) Bank telah memiliki Loan Recovery Group yang 4) The Bank has established a Loan Recovery Group
khusus menangani debitur/nasabah yang mengalami specifically tasked with handling borrowers/customers
kesulitan untuk memenuhi kewajibannya. Loan experiencing difficulties in meeting their obligations.
Recovery Group telah memperluas struktur organisasi, The Loan Recovery Group has expanded its
menambah sumber daya manusia dan menyusun organizational structure, increased human resources,
beberapa strategi agar upaya penyehatan dan/atau and developed several strategies to ensure that efforts
penyelamatan kredit bermasalah dapat dijalankan lebih to restructure and/or recover non-performing loans can
fokus dan termonitor. Dengan begitu, penanganan be carried out more focused and monitored manner.
dapat lebih intensif dan kualitas kredit Bank tetap Therefore, handling can be done more intensively while
terjaga serta recovery rate atas penanganan kredit maintaining the Bank’s credit quality and the recovery
bermasalah meningkat. Tata cara dan pedoman untuk rate for handling non-performing loans increases.
melaksanakan penyehatan dan/atau penyelamatan Restructure and/or recovery of non-performing loans
kredit bermasalah juga telah diatur dalam kebijakan implementation procedures and guidelines have also
internal Bank dan dilakukan review secara berkala. been regulated in the internal policies of the Bank and
are regularly reviewed.
5) Sebagai langkah mitigasi risiko kredit, Bank juga 5) The Bank also requires debtors to provide collateral
mewajibkan debitur untuk memberikan agunan yang that complies with the Bank’s requirements as a
memenuhi persyaratan Bank. Jenis agunan yang credit risk mitigation measure. Cash collateral,
diterima Bank sebagai agunan kredit, antara lain fixed assets, machinery, motor vehicles, inventories,
berupa cash collateral, fixed asset, mesin, kendaraan stocks, and other types of collateral are among
bermotor, persediaan, saham dan lainnya sesuai those that the Bank accepts as credit collateral in
dengan kebijakan yang berlaku. Perkiraan nilai wajar accordance with applicable policies. The estimated
dari agunan berdasarkan penilaian dari internal fair value of the collateral is based on internal and
maupun eksternal tergantung dari nilai plafond yang external assessments, depending on the ceiling value
diajukan calon debitur. proposed by the prospective debtor.
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6) Pelaksanaan proses manajemen risiko dituangkan 6) The implementation of risk management processes
dalam Laporan Profil Risiko, Laporan Pemantauan, is documented in Risk Profile Reports, Monitoring
Laporan Kaji Ulang Limit Risk Appetite dan Risk Reports, Risk Appetite and Risk Tolerance Limit
Tolerance, dan Laporan BMPK dan laporan lainnya Review Reports, BMPK Reports, and other reports.
2. Pendekatan Bank untuk Pembentukan Cadangan 1. Bank’s Approach to the formation of Allowance for
Kerugian Penurunan Nilai (CKPN) Impairment Losses (CKPN)
Sejak Januari 2020, Bank telah mengimplementasikan PSAK Since January 2020, the Bank has implemented PSAK 71
71 dalam pembentukan impairment kredit sesuai dengan in establishing credit impairment in accordance with the
penetapan Dewan Standar Akuntansi Keuangan Ikatan stipulation of Board of Financial Accounting Standards
Akuntan Indonesia (DSAK IAI). Bank bekerja sama dengan of Institute of Indonesia Chartered Accountants (DSAK
konsultan telah membangun infrastruktur dan sistem IAI). In collaboration with consultants, the Bank has built
teknologi informasi yang dapat melakukan classification infrastructure and information technology systems that
& measurement, perhitungan impairment (collective & can carry out Classification & Measurement, impairment
individual), serta disclosure reporting. Cakupan penurunan calculations (collective & individual), and disclosure reporting.
nilai berdasarkan PSAK 71 (IFRS 9) telah memperhitungkan The coverage for impairment losses under PSAK 71 (IFRS 9)
kerugian di masa mendatang (expected credit loss). has considered future losses (expected credit loss).
Berbeda dengan PSAK 50/55 sebelumnya yang mengakui Unlike the previous PSAK 50/55 which recognized credit losses
kerugian kredit pada saat peristiwa kerugian kredit terjadi, when credit loss event occurred, the method introduced in
metode yang diperkenalkan pada PSAK 71 ini mensyaratkan PSAK 71 requires immediate recognition of the impact of
pengakuan segera atas dampak perubahan kerugian kredit changes in expected credit losses after initial recognition of
ekspektasi setelah pengakuan awal aset keuangan. PSAK 71 financial assets. PSAK 71 introduces the Expected Credit Loss
memperkenalkan metode kerugian kredit ekspektasi (expected (ECL) method in measuring financial instrument losses due to
credit loss/ECL) dalam mengukur kerugian instrumen keuangan a decrease in the value of financial instruments.
akibat penurunan nilai instrumen keuangan.
Cadangan kerugian penurunan nilai (CKPN) dengan The Allowance for Impairment Losses (CKPN) using the
menggunakan metode expected credit loss sesuai dengan expected credit loss method in line with PSAK 71 (IFRS 9)
ketentuan PSAK 71 (IFRS 9) menghitung penurunan nilai pada provision that calculates impairment on the Portfolio (1)
Portofolio (1) Kredit; (2) Treasury; (3) Trade Finance, baik untuk Credit; (2) Treasury; (3) Trade Finance, both On-Balance
On B/S maupun Off B/S - secara bulanan, yang dicatat pada Sheet and Off-Balance Sheet - on a monthly basis, which
biaya perolehan diamortisasi atau pada nilai wajar melalui is recorded in amortized cost or fair value through other
penghasilan komprehensif lain, ditambah piutang sewa, aset comprehensive income, plus lease receivables, contract assets,
kontrak, komitmen pinjaman, dan kontrak jaminan keuangan loan commitments, and financial guarantee contracts not
yang tidak diukur pada nilai wajar melalui laba rugi. measured at fair value through profit or loss.
Tujuan dari persyaratan penurunan nilai adalah untuk mengakui The objective of impairment requirements is to recognize
kerugian kredit ekspektasi sepanjang umurnya atas semua lifetime expected credit losses for all financial instruments
instrumen keuangan yang telah mengalami peningkatan risiko that have experienced a significant increase in credit risk since
kredit secara signifikan sejak pengakuan awal, baik dinilai initial recognition, whether assessed individually or collectively,
secara individu atau kolektif, dengan mempertimbangkan considering all reasonable and supported forward-looking
semua informasi yang wajar dan didukung informasi yang information.
bersifat perkiraan masa depan (forward-looking).
Bank Sinarmas mengukur penyisihan kerugian instrumen Bank Sinarmas measures the allowance for financial
keuangan sejumlah kerugian kredit ekspektasi sepanjang instrument losses as the expected credit losses over their
umurnya, jika risiko kredit atas instrumen keuangan tersebut lifetime if the credit risk of those financial instruments has
telah meningkat secara signifikan sejak pengakuan awal. Jika significantly increased since initial recognition. If, at the
pada tanggal pelaporan, risiko kredit atas instrumen keuangan reporting date, the credit risk of the financial instruments has
tidak meningkat secara signifikan sejak pengakuan awal, entitas not increased significantly since initial recognition, the entity
mengukur penyisihan kerugian untuk instrumen keuangan measures the allowance for those financial instruments as the
tersebut sejumlah kerugian kredit ekspektasi 12 bulan. expected credit losses over a 12-month period.
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Bank Melakukan permodelan Probability of Default, Loss Given The Bank conducts modeling of Probability of Default, Loss
Default, Credit Conversion Factor, Exposure at Default, dan Given Default, Credit Conversion Factor, Exposure at Default,
Forward Looking of Macroeconomic untuk semua segmentasi and Forward-Looking Macroeconomic for all segmentation of
portofolio instrumen keuangan sesuai dengan metodologi yang financial instrument portfolios according to the methodology
telah ditentukan oleh Bank Sinarmas. Selain itu, Bank melakukan established by Bank Sinarmas. Additionally, the Bank
review secara berkala terhadap parameter Probability of Default, performs periodic reviews of Probability of Default, Loss Given
Loss Given Default, Credit Conversion Factor, dan Forward Default, Credit Conversion Factor, and Forward-Looking
Looking of Macroeconomic minimal 1 tahun sekali. Macroeconomic parameters at least once a year.
Seperti pada penerapan PSAK 50/55, perhitungan impairment In the application of PSAK 50/55, impairment calculations are
juga dilakukan dalam 2 kategori, yaitu individual dan kolektif. also conducted in 2 categories, namely individual and collective.
a. Cadangan Kerugian Penurunan Nilai (CKPN) secara a. Allowance for Impairment Losses (CKPN) on an Individual
Individual Basis
1) CKPN individual dibentuk untuk kredit dengan plafon 1) Allowance for Impairment Losses (CKPN) on an
di atas Rp15 miliar dan telah menunggak lebih dari individual basis is established for credits with limits
90 hari atau belum menunggak selama 90 hari tetapi above Rp15 billion and have been overdue for more
terdapat bukti objektif penurunan nilai. than 90 days or have not been overdue for 90 days
2) Perhitungan penurunan nilai secara individu: but there is objective evidence of impairment.
a) Discounted Cash Flow 2) Calculation of impairment on an individual basis:
Penurunan nilai yang mengakibatkan kerugian a) Discounted Cash Flow
diukur dari selisih antara nilai tercatat aset Impairment resulting in losses is measured by the
keuangan dengan nilai kini dari estimasi arus difference between the carrying amount of the
kas masa datang yang didiskontokan memakai financial asset and the present value of estimated
tingkat suku bunga efektif awal dari aset future cash flows discounted using the financial
keuangan yang dimaksud. Nilai tercatat aset asset’s original effective interest rate. The carrying
tersebut dikurangi melalui akun cadangan value of the asset is reduced through the allowance
kerugian penurunan nilai dan beban kerugian for impairment losses account and recognized as an
yang diakui pada Laporan Laba Rugi. impairment loss in the Statement of Profit or Loss.
Apabila tagihan telah jatuh tempo memiliki If the matured receivable has a variable interest
suku bunga variabel, maka kerugian penurunan rate, then the impairment loss is discounted using
nilai didiskontokan dengan menggunakan suku the prevailing effective interest rate as stated in
bunga efektif yang berlaku sesuai yang tertera the contract.
dalam kontrak.
b) Fair Value of Collateral b) Fair Value of Collateral
Pengukuran aset keuangan dengan agunan The measurement of financial assets with collateral
dihitung berdasarkan nilai kini dari estimasi is calculated based on the present value of estimated
arus kas masa datang yang mencerminkan arus future cash flows reflecting the cash flows from the
kas dari hasil penjualan atau pengambilalihan proceeds of the sale or realization of the collateral
agunan dikurangi biaya-biaya untuk memperoleh reduced by net of costs to obtain and sell the
dan menjual agunan tersebut. collateral.
b. Cadangan Kerugian Penurunan Nilai (CKPN) Kolektif b. Collective allowance for impairment losses (CKPN)
1) CKPN kolektif dibentuk untuk seluruh kredit dengan 1) The collective allowance for impairment loss (CKPN)
plafon di bawah Rp15 miliar dan kredit dengan plafon are formed for all credits with limits below Rp15 billion
di atas Rp15 miliar yang tunggakannya belum melebihi and credits with limits above Rp15 billion whose
90 hari. Metode perhitungan CKPN disesuaikan overdue period does not exceed 90 days. The method
dengan standar kebijakan akuntansi yang berlaku. for calculating CKPN is adjusted in accordance with
applicable accounting policy standards.
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2) Bank melakukan evaluasi penurunan nilai secara 2) The Bank evaluates impairment collectively using
kolektif menggunakan parameter Probability of Default, parameters such as Probability of Default, Loss
Loss Given Default, Credit Conversion Factor, Exposure Given Default, Credit Conversion Factor, Exposure
at Default, dan Forward Looking of Macroeconomic at Default, and Forward-Looking Macroeconomic by
dengan mengelompokkan aset keuangan berdasarkan grouping financial assets based on similar credit risk
kesamaan karakteristik risiko kredit, seperti terhadap characteristics, such as credit segmentation types and
jenis segmentasi kredit dan lama tunggakan. overdue periods.
3) Bank menggunakan metode migration analysis, 3) The Bank uses the migration analysis method, an
yaitu metode pendekatan yang dilakukan dengan approach conducted by using historical migration
menggunakan tingkat migrasi DPD secara historical rates of Days Past Due (DPD) for at least the last 3
minimal 3 tahun terakhir dalam menghitung years in calculating the Probability of Default (PD).
Probability of Default (PD).
3. Pengungkapan Risiko Kredit menggunakan Metode 2. Disclosure of Credit Risk Using Standard Methods
Standar
a. Kebijakan Penggunaan Peringkat dalam Perhitungan Aset a. Policy on the use of ratings in the calculation of Risk-
Tertimbang Menurut Risiko (ATMR) untuk Risiko Kredit. Weigthed Assets (RWA) for credit.
1) Dalam perhitungan ATMR risiko kredit, Bank
menggunakan perhitungan dengan Pendekatan 1) The Bank calculates RWA for credit risk using the
Standar (Standardized Approach) dan/atau Standardized Approach and/or Internal RatingBased
Pendekatan berdasarkan Internal Rating (Internal Approach.
Rating Based Approach).
2) Kategori portofolio yang menggunakan peringkat 2) Portfolio categories that use external ratings include
eksternal adalah tagihan kepada pemerintah, entitas receivables to the government, public sector entities,
sektor publik, tagihan kepada Bank Pembangunan receivables to Multilateral Development Banks and
Multilateral dan Lembaga Internasional, tagihan International Institutions, receivables to banks,
kepada Bank, tagihan berupa Covered Bond, tagihan Covered Bonds, receivables to Securities Companies
kepada Perusahaan Efek dan Lembaga Jasa Keuangan and Other Financial Institutions, and receivables to
Lain, dan tagihan kepada Korporasi (surat berharga). Corporations (securities).
3) Lembaga pemeringkat yang digunakan oleh Bank 3) The rating agencies hired by the Bank adhere to the
berpedoman pada ketentuan Bank Indonesia. Bank regulations of Bank Indonesia. The Bank hires several
menggunakan beberapa lembaga pemeringkat yang rating agencies recognized by the Financial Services
diakui Otoritas Jasa Keuangan sesuai dengan Surat Authority (OJK) in accordance with Circular Letter
Edaran Otoritas Jasa Keuangan No. 37/SEOJK.03/2016 No. 37/SEOJK.03/2016 for the provision of credit to
dalam rangka pemberian kredit kepada debitur berupa debtors in the form of bonds and other securities,
obligasi dan surat berharga lainnya, yaitu: Standard namely: Standard and Poor’s, Fitch Ratings, Moody’s,
and Poor’s, Fitch Rating, Moody’s, Fitch Ratings Fitch Ratings Indonesia, and the Indonesian Securities
Indonesia, dan Pemeringkat Efek Indonesia. Rating Agency.
b. Pengungkapan Risiko Kredit Pihak Lawan (Counterparty b. Disclosure of counterparty credit risk
Credit Risk)
Eksposur derivatif yang dimiliki Bank Sinarmas tidak terlalu Bank Sinarmas’s derivative exposure is not very significant,
signifikan, di mana Bank hanya memiliki eksposur derivatif as the bank only holds exposure to exchange rate
nilai tukar. Transaksi Reverse Repo dan Repo yang dilakukan derivatives. The Reverse Repo and Repo transactions
Bank cenderung insignifikan di mana transaksi tersebut conducted by the Bank tend to be insignificant, as these
sepenuhnya dilakukan dengan Bank Indonesia. transactions are entirely carried out with Bank Indonesia.
c. Mitigasi Risiko Kredit c. Credit Risk Mitigation
Pengungkapan risiko kredit sebesar eksposur tagihan/ Disclosure of credit risk is equal to the exposure of
kredit yang diterima oleh pihak lawan/debitur dengan receivables/credit received by the counterparty/ debtor by
memperhitungkan jenis agunan yang diserahkan kepada considering type of collateral submitted to the Bank as
Bank sebagai mitigasi risiko kredit Bank. the Bank’s credit risk mitigation.
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1) Dalam kebijakan perkreditan Bank jenis agunan yang 1) In the Bank’s credit policy, the types of collateral
umumnya dapat diterima, antara lain: accepted include:
a) Agunan yang tangible, yaitu termasuk benda yang a) Tangible collateral, which includes immovable
tidak bergerak, seperti tanah dan/atau bangunan, objects such as land and/or buildings, as well as
maupun benda bergerak seperti deposito movable objects such as time deposits, vehiccles,
berjangka, kendaraan, mesin, kapal, persediaan machinery, ships, goods investories and trade
barang, dan piutang usaha. receivables.
b) Agunan yang intangible, yaitu seperti saham, b) Intangible collateral, such as stocks,
bancassurance, reksadana, dan setoran jaminan. bancassurance, mutual funds, and guarantee
c) Bank dapat juga menerima penjaminan, seperti deposits.
jaminan pribadi (personal guarantee), jaminan c) Banks may also accept guarantees such as
perusahaan (corporate guarantee), dan/atau personal guarantees, corporate guarantees, and/
penanggung (guarantor). or guarantors.
2) Kebijakan, prosedur dan proses untuk menilai dan 2) Policies, procedures, and processes for assessing and
mengelola agunan managing collateral
Pada prinsipnya pemberian pinjaman harus In principle, lending should be adjusted to the
disesuaikan dengan kemampuan pembayarannya, borrower’s ability to pay, but collateral analysis is
tetapi analisa jaminan tetap dibutuhkan sebagai still required as an alternative resolution if the loan
alternatif penyelesaian apabila pinjaman menjadi encounters difficulties. The accepted collateral must
bermasalah. Jaminan yang diterima merupakan be tangible and have high market value (marketable),
jaminan yang materil dan memiliki nilai pasar yang preferably in the name of the prospective
tinggi (marketable) dan diutamakan atas nama calon borrower. Collateral is assessed either internally
debitur. Agunan dilakukan penilaian oleh internal atau or by independent appraisal depending on the
independen appraisal tergantung besar pinjamannya, loan amount, in accordance with Financial Services
mengacu pada Peraturan Otoritas Jasa Keuangan Authority Regulation No. 40/POJK.03/2019 regarding
No. 40/POJK.03/2019 tentang Penilaian Kualitas Aset the Assessment of Asset Quality of Commercial
Bank Umum, pinjaman dari debitur atau kelompok Banks. For loans from a single borrower or group
peminjam dengan jumlah lebih dari Rp10 miliar, maka of borrowers exceeding Rp10 billion, independent
agunan harus dilakukan penilaian oleh independen appraisal is required, while loans from a single
appraisal sedangkan pinjaman dari debitur atau borrower or group of borrowers totaling up to Rp10
kelompok peminjam dengan jumlah sampai dengan billion are appraised internally by the bank.
Rp10 miliar dilakukan oleh internal appraisal Bank.
3) Pihak-pihak utama pemberi jaminan/garansi dan 3) Main parties providing collateral/guarantees and
kelayakan kredit (creditworthiness) creditworthiness
Untuk menjaga kemungkinan tidak tertagihnya To mitigate the risk of uncollectible loans disbursed
kredit yang sudah diberikan kepada debitur, maka to borrowers, the Bank may request additional
Bank dapat meminta tambahan agunan antara lain collateral, including guarantees from third parties
meminta jaminan dari pihak ketiga lainnya dan/ and/or unrelated guarantees to the financed object,
atau garansi yang tidak berkaitan langsung dengan and the Bank will assess the creditworthiness of these
obyek yang dibiayai dan Bank akan menilai kelayakan parties. The main parties providing such guarantees
kredit (creditworthiness) dari pihak-pihak tersebut. are analyzed during the credit process, and their
Pihak-pihak Utama pemberi jaminan/garansi tersebut eligibility is determined through the application of the
dianalisis pada saat proses kredit dan kelayakannya four-eye principle.
diputuskan dengan penerapan four-eye principles.
Risiko Pasar Market Risk
Risiko Pasar adalah risiko pada posisi neraca dan rekening Market Risk is the risk to balance sheet positions and administrative
administratif termasuk transaksi derivatif akibat perubahan secara accounts, including derivative transactions, due to overall changes
keseluruhan dari kondisi pasar termasuk risiko perubahan harga in market conditions, including the risk of changes in option prices.
option. Risiko Pasar terjadi akibat adanya pergerakan variabel Market risk occurs due to the movement of market variables
pasar (adverse movement) dari portofolio yang dimiliki Bank. (adverse movement) in the Bank’s portfolio. The market variables
Variabel pasar yang dimaksud adalah suku bunga dan nilai are interest rates and exchange rates. Market risk, among others, is
tukar. Risiko Pasar, antara lain terdapat pada aktivitas fungsional in the Bank’s functional activities, such as treasury and investment
Bank seperti kegiatan treasury dan investasi dalam bentuk surat activities in the form of securities and money market transactions,
berharga dan pasar uang maupun penyertaan pada lembaga as well as participation in other financial institutions, the provision
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keuangan lainnya, penyediaan dana (pinjaman dan bentuk of funds (loans and similar forms), funding activities, and the
sejenis), kegiatan pendanaan dan penerbitan surat utang, serta issuance of debt securities, as well as trade finance activities.
kegiatan pembiayaan perdagangan(trade finance).
Bank menerapkan prinsip segregation of duties dengan The Bank implements the principle of segregation of duties by
memisahkan fungsi dan tanggung jawab secara independen atas independently separating functions and responsibilities for
transaksi perdagangan treasury, yang terdiri dari Unit Front Office, treasury trading transactions, which consist of the Front Office,
middle office dan back office. Front office melakukan aktivitas Middle Office, and Back Office units. The Front Office conducts
bisnis dan berhubungan langsung dengan nasabah. Dalam business activities and interacts directly with customers. In carrying
melakukan aktivitasnya, eksposur risiko yang timbul dibatasi out its activities, the risk exposure is limited within the established
dengan risk appetite & risk tolerance yang telah ditetapkan. risk appetite and risk tolerance.
Pemantauan eksposur risiko dan kepatuhan terhadap limit-limit risiko Monitoring of risk exposure and compliance with risk limits is
dilakukan oleh unit independen, yaitu Risk Management Group conducted by an independent unit, namely the Risk Management
selaku middle office. Sedangkan proses aktivitas pembukuan dan Group as the middle office. Meanwhile, the bookkeeping and
settlement transaksi treasury serta proses valuasi portofolio dilakukan settlement processes of treasury transactions, as well as portfolio
oleh Divisi Treasury Settlement sebagai back office. Koordinasi antar valuation, are carried out by the Treasury Settlement Division
unit bisnis (sebagai Front Office) dan Risk Management Group as the back office. Coordination between business units (as the
(sebagai middle office) semakin ditingkatkan, sehingga apabila Front Office) and Risk Management Group (as the Middle Office)
terdapat potensi risiko bagi Bank dapat segera teridentifikasi dan is enhanced, so that potential risks to the Bank can be promptly
dapat ditindaklanjuti dengan segera. identified and addressed accordingly.
Kepemilikan Bank atas surat berharga terdapat pada seluruh buku, The Bank’s ownership of securities is present in all books, namely
yaitu Fair Value Through Profit and Loss (FVTPL), Fair Value Through Fair Value Through Profit and Loss (FVTPL), Fair Value Through
Other Comprehensive Income (FVOCI) dan Amortized Cost (AC). Other Comprehensive Income (FVOCI), and Amortized Cost (AC).
Secara komposisi, mayoritas Surat berharga berada pada buku In terms of composition, the majority of securities are in the FVOCI
FVOCI, diikuti AC dan FVTPL. book, followed by AC and FVTPL.
1. Penerapan Manajemen Risiko Pasar 1. Implementation of Market Risk Management
Risiko Pasar dapat terjadi pada seluruh portofolio yang dimiliki Market risk can occur in the entire portfolio held by the Bank,
oleh Bank yang mencakup posisi yang dimiliki oleh Bank encompassing positions held by the Bank in both the trading
baik pada posisi buku trading (trading book) maupun pada book and the banking book so that market risk management
buku Bank (banking book) sehingga pengelolaan risiko pasar is conducted for financial instrument positions in both the
dilakukan terhadap posisi instrumen keuangan dalam trading trading book and the banking book.
book maupun banking book.
Berdasarkan pada Surat Otoritas Jasa Keuangan Based on Financial Services Authority Letter No. 23/
No. 23/SEOJK.03/2022 tentang Perhitungan Aset Tertimbang SEOJK.03/2022 on the Calculation of Risk-Weighted Assets
Menurut Risiko untuk Risiko Pasar bagi Bank Umum. Setiap for Market Risk in Commercial Banks, any instrument owned
instrumen yang dimiliki Bank untuk satu atau lebih tujuan by the Bank for one or more of the following purposes is
berikut ini ditetapkan sebagai instrumen trading book ketika designated as a trading book instrument when first booked:
pertama kali dibukukan:
a. Jual beli jangka pendek; a. Short-term trading;
b. Mengambil keuntungan dari pergerakan harga jangka b. Profiting from short-term price movements;
pendek;
c. Mengunci keuntungan arbitrase; dan/atau c. Locking in arbitrage profits; and/or
d. Risiko lindung nilai yang timbul dari instrumen di atas, d. Hedging risks arising from the above instruments,
kecuali memiliki hambatan hukum atau termasuk dalam unless legally constrained or classified as banking book
instrumen yang dikategorikan sebagai banking book. instruments.
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Kemudian, setiap instrumen berikut ini, kecuali memiliki Then, each of the following instruments, unless legally
hambatan hukum atau termasuk dalam instrumen yang constrained or classified as banking book instruments,
dikategorikan sebagai banking book, dianggap dimiliki is considered to be held for at least 1 of the trading book
untuk setidaknya 1 dari tujuan trading book sehingga harus purposes and must therefore be categorized in the trading
dikategorikan dalam trading book. Instrumen dimaksud, yaitu: book. The instruments referred to are:
a. Instrumen pada correlation trading portfolio. Correlation a. Instruments in correlation trading portfolio. The
trading portfolio merupakan seperangkat instrumen yang correlation trading portfolio is a set of instruments that
memenuhi persyaratan di bawah ini: meet the following criteria:
1) Instrumen dimaksud merupakan posisi sekuritisasi; dan 1) The instruments are securitized positions; and
2) Instrumen merupakan lindung nilai non-sekuritisasi. 2) The instruments are non-securitized hedge positions.
b. Instrumen yang akan menimbulkan posisi net short pada b. Instruments that will result in a net short position on
kredit atau ekuitas dalam banking book. credit or equity in the banking book.
c. Instrumen yang dihasilkan dari komitmen penjaminan c. Instruments generated from underwriting commitments.
emisi (underwriting commitments).
d. Dalam hal credit default swap (CDS) yang digunakan d. In term of a credit default swap (CDS) used to hedge
untuk melindungi kredit pada banking book tetapi credit in the banking book but resulting in a net
menimbulkan posisi net short kredit, maka instrumen short credit position, the CDS instrument or similar
CDS dimaksud atau instrumen serupa yang menimbulkan instruments generating a net short credit position in the
posisi net short kredit di banking book harus ditetapkan banking book must be designated in the trading book,
dalam trading book, kecuali perlakuan trading book unless explicit trading book treatment is exempted for
secara eksplisit dikecualikan untuk jenis posisi tertentu. certain types of positions.
e. Instrumen di bawah ini diasumsikan dimiliki dengan e. The following instruments are assumed to be held for
tujuan trading sehingga dapat dikategorikan sebagai trading purposes and therefore can be categorized as
instrumen trading book, kecuali memiliki hambatan trading book instruments, unless legally constrained or
hukum atau termasuk dalam instrumen banking book: included in banking book instruments:
1) Instrumen yang dimiliki sebagai aset atau liabilitas 1) Instruments held as assets or liabilities treated as
yang diperlakukan sebagai trading menurut standar trading under accounting standards;
akuntansi;
2) Instrumen yang berasal dari aktivitas market-making; 2) Instruments derived from market-making activities;
dan and
3) Investasi ekuitas dalam fund yang memenuhi 3) Equity investments in funds that meet the following
persyaratan berikut. criteria.
a) Bank dapat melakukan look through pada a) The Bank can perform a look-through on its
komponen individualnya serta terdapat informasi individual components, and there is information
yang diberikan kepada Bank mengenai komposisi provided to the Bank regarding the adequate
dari fund yang memadai dan berkala serta and periodic composition of the fund, as well as
diverifikasi oleh pihak ketiga yang independen. being verified by an independent third party.
b) Bank memperoleh penawaran harga harian untuk b) The Bank obtains daily price quotations for the
fund tersebut dan memiliki akses ke informasi yang fund and has access to information covered in
tercakup dalam mandat fund atau dalam ketentuan the fund’s mandate or in laws and regulations
peraturan perundang-undangan yang mengatur governing the investment fund. The look-
mengenai dana investasi tersebut. Adapun through approach is an approach where the Bank
pendekatan look through merupakan pendekatan determines the amount of relevant capital charge
di mana Bank menentukan besarnya perhitungan calculation for the underlying asset positions as if
beban modal yang relevan untuk posisi aset yang the positions were held directly by the Bank up to
mendasari (underlying) seolah-olah posisi dimaksud their individual components.
dimiliki secara langsung oleh Bank sampai dengan
komponen individualnya.
f. Transaksi repo yang berkaitan dengan trading, terdiri dari f. Repo transactions related to trading consist of transactions
transaksi yang dilakukan untuk tujuan membentuk pasar conducted for the purpose of market-making, locking in
(market-making), mengunci keuntungan arbitrase, atau arbitrage profits, or creating short positions in credit or
menciptakan posisi short kredit atau ekuitas. equity.
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g. Hak opsi, termasuk derivatif melekat (embedded derivative) g. Option rights, including embedded derivatives of
dari instrumen yang diterbitkan dari banking book dan instruments issued from the banking book and related to
yang berkaitan dengan risiko kredit atau risiko ekuitas. credit risk or equity risk.
Sementara itu, setiap instrumen yang tidak dimiliki untuk Meanwhile, any instrument not held for trading purposes as
tujuan trading sebagaimana dimaksud pada poin-poin di atas, described in the above points must be categorized into the
harus dikategorikan ke dalam banking book. banking book.
Risiko Pasar dalam trading book diukur dengan berbagai Market risk in the trading book is measured using various
metodologi antara lain: methodologies, including:
a. Analisa Sensitivitas Nilai Tukar a. Exchange Rate Sensitivity Analisis
Sensitivitas pada nilai tukar diukur dengan menghitung Sensitivity to exchange rates is measured by calculating
perubahan nilai wajar dari suatu instrumen nilai tukar the fair value change of a foreign exchange instrument if
apabila terdapat pergerakan sebesar 1 basis poin pada there is a movement of 1 basis point in the currency pair
kurs currency pair yang digunakan pada instrumen nilai exchange rate used for that instrument.
tukar tersebut.
b. Value at Risk (VaR) b. Value at Risk (VaR)
Secara umum, VaR dihitung dengan 3 metode, Variance In general, VaR is calculated using three methods:
Covariance, Historical Simulations dan Monte Carlo. Untuk Variance Covariance, Historical Simulations, and Monte
saat ini, regulator mencukupkan pada metode historical Carlo. Currently, regulators suffice with the historical
simulations, dikarenakan metode variance covariance simulations method, as the variance covariance method
memiliki kekurangan terutama pada instrumen di mana has shortcomings, especially for instruments where risk
faktor risiko dan nilai instrumen bergerak secara non- factors and instrument values move nonlinearly, and
linear, dan monte carlo dianggap terlalu mutakhir dan Monte Carlo is considered too sophisticated and tends to
cenderung memiliki biaya lebih tinggi. incur higher costs.
Metode VaR yang digunakan adalah Historical The VaR method used is Historical Simulations, with a total
Simulations, dengan jumlah data historis sebanyak 250 historical data of 250 days and a determined confidence
hari dan confidence level yang ditentukan, contohnya level, for example, 95% or 99%. The VaR Historical
adalah sebesar 95% atau 99%. VaR Historical Simulations Simulations are calculated using the closing rate/price for
dihitung menggunakan closing rate/price pada tiap each day, simulating the duration of asset purchases and
harinya, dengan menstimulasikan durasi pembelian dan sales, also known as the holding period, which is only 1
penjualan aset, atau dikenal sebagai holding period, day. Profits and losses that occur will be the reference for
hanya sebesar 1 hari. Keuntungan dan kerugian yang VaR calculation.
terbentuk akan menjadi acuan perhitungan VaR.
c. Present Value of a Basis Point (PV01) c. Present Value of a Basis Point (PV01)
PV01 adalah parameter sensitivitas yang mengukur PV01 is a sensitivity parameter measuring the fair value
perubahan nilai wajar dari suatu instrumen apabila change of an instrument when there is a movement of 1
terdapat pergerakan sebesar 1 basis poin pada suku basis point in interest rates.
bunga.
d. Stop Loss Limit d. Stop Loss Limit
Stop loss limit adalah perintah untuk menghentikan A stop loss limit is an order to cease all activities that result
segala aktivitas yang menyebabkan kerugian kepada in losses to the Bank due to the exposure or positions held
Bank akibat dari eksposur atau posisi yang dimiliki Bank by the Bank in a particular instrument.
terhadap suatu instrumen.
e. Foreign Exchange Net Open Position (FXNOP) e. Foreign Exchange Net Open Position (FXNOP)
FX NOP adalah posisi devisa netto yang digunakan FX NOP is the net foreign exchange position used as a
sebagai alat ukur eksposur Bank terhadap kepemilikan measure of the Bank’s exposure to ownership of foreign
atas valuta asing. currencies.
f. Stress Testing Risiko Pasar f. Market Risk Stress Testing
Stress testing risiko pasar adalah parameter yang Market risk stress testing is a parameter used to measure
digunakan untuk mengukur ketahanan permodalan Bank the resilience of the Bank’s capital against movements in
atas pergerakan nilai tukar dan suku bunga pada pasar. exchange rates and interest rates in the market.
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g. Back Testing g. Back Testing
Back testing adalah parameter yang digunakan untuk Back Testing is a parameter used to measure the
mengukur akurasi dari metodologi yang ditetapkan, accuracy of the established methodology by comparing
dengan membandingkan hasil perhitungan dari the calculation results of the methodology with real-life
metodologi dengan kondisi riil yang terjadi. conditions.
Pengelolaan portofolio yang terekspos risiko pasar dalam Portfolio management exposed to market risk in the trading book
trading book dengan dilakukan penetapan dan memantau involves setting and monitoring limits, such as portfolio limits, PV01
limit-limit, seperti limit portofolio, limit PV01, dan stop loss limits, and stop-loss limits. The Bank also conducts daily valuation
limit serta Bank melakukan proses valuasi secara harian processes based on transaction prices or market quotations from
berdasarkan harga transaksi yang terjadi atau kuotasi harga independent sources for all instruments classified in the trading
pasar dari sumber yang independen untuk seluruh instrumen book and available for sale. The primary source of market prices
yang diklasifikasikan dalam portofolio trading book dan used is from the Indonesia Bond Pricing Agency (IBPA), while
available for sale. Sumber harga pasar yang digunakan other reference sources such as Refinitiv and Bloomberg are also
terutama dari harga pasar yang dikeluarkan oleh Indonesia considered.
Bond Pricing Agency (IBPA) serta mempertimbangkan pula
sumber acuan lainnya seperti, Refinitiv dan Bloomberg.
Pengukuran risiko pasar untuk perhitungan kewajiban Market risk measurement for the calculation of the minimum
penyediaan modal minimum (KPMM) dilakukan dengan capital adequacy ratio (CAR) is performed using the standard
menggunakan metode standar yang dilaporkan secara method reported monthly to the regulator. The portfolio coverage
bulanan kepada regulator. Cakupan portofolio yang dihitung calculated in the CAR includes the trading book portfolio for
dalam KPMM adalah portofolio trading book untuk risiko interest rate risk and both the trading book and banking book
suku bunga dan portofolio trading book dan banking book portfolios for foreign exchange risk.
untuk risiko nilai tukar.
Bank telah menetapkan limit-limit untuk membatasi The Bank has established limits to constrain portfolio exposure
eksposur portofolio maupun potensi kerugian yang timbul and potential losses arising from the Bank’s business activities.
dari aktivitas bisnis Bank. Pemantauan terhadap limit-limit Monitoring of these limits is conducted daily to promptly mitigate
tersebut dilakukan secara harian sehingga potensi risiko pasar any potential market risks that arise.
yang timbul diharapkan dapat segera dimitigasi.
Kebijakan pengelolaan risiko nilai tukar berpedoman pada batas The foreign exchange risk management policy is guided by the
Posisi Devisa Neto sesuai limit internal bank dan ketentuan Bank Net Open Position limit in accordance with the Bank’s internal
Indonesia yaitu Bank wajib mengelola dan memelihara Posisi limits and Bank Indonesia regulations, which require banks to
Devisa Neto paling tinggi 20% dari modal. Bank secara berkala manage and maintain the Net Open Position at a maximum of
melakukan kaji ulang terhadap kebijakan-kebijakan terkait 20% of capital. The Bank periodically reviews policies related to
Risiko Pasar. Bank menerapkan kebijakan off market rate pada Market Risk. The Bank implements an off-market rate policy in
transaksi yang dijalankan oleh Treasury dengan tujuan agar transactions executed by the Treasury to ensure that the transacted
rate yang ditransaksikan tidak berada di luar rentang harga rate remains within the fair market price range, considering that
wajar pasar, mengingat hal ini dapat menimbulkan potensi deviations may lead to potential losses for the Bank or losses for
kerugian terhadap bank atau kerugian dari sisi nasabah yang customers, which could trigger reputation risks for the Bank.
akan memicu timbulnya risiko reputasi pada Bank.
Bank senantiasa memantau dan mengukur kecukupan The Bank continuously monitors and measures the adequacy of
modal yang dialokasikan untuk menutupi potensi kerugian capital allocated to cover potential losses arising from market
yang timbul dari risiko pasar, baik risiko nilai tukar maupun risks, including both foreign exchange and interest rate risks.
risiko suku bunga. Pengukuran dilakukan dengan skenario: Measurements are conducted using scenarios: exchange rate and
pergerakan nilai tukar dan suku bunga diasumsikan dalam interest rate movements are assumed under normal conditions to
kondisi normal hingga kondisi terburuk. worst-case scenarios.
Bank telah menetapkan limit-limit untuk membatasi eksposur The Bank has set limits to constrain portfolio exposure and
portofolio maupun potensi kerugian yang timbul dari aktivitas potential losses arising from the Bank’s business activities.
bisnis Bank. Pemantauan terhadap limit-limit tersebut Monitoring of these limits is conducted daily to promptly mitigate
dilakukan secara harian sehingga potensi risiko pasar yang any potential market risks that arise.
timbul diharapkan dapat segera dimitigasi.
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2. Penerapan Manajemen Risiko Suku Bunga pada Buku 2. Implementation of Risk Management for the Interest
Bank (IRRBB) Rate in the Banking Book (IRRBB)
Berdasarkan Peraturan Otoritas Jasa Keuangan According to Financial Services Authority Regulation No. 12/
No. 12/POJK.03/2021 mengenai Bank Umum, Bank Sinarmas POJK.03/2021 on Commercial Banks, Bank Sinarmas falls
masuk dalam kategori KBMI 2, di mana Bank diwajibkan into the category of KBMI 2, where the Bank is required to
untuk melakukan perhitungan interest rate risk in the banking calculate interest rate risk in the banking book (IRRBB).
book (IRRBB).
Risiko Suku Bunga dalam banking book atau interest rate risk in Interest Rate Risk in the Banking Book, or IRRBB, is the risk
the banking book, yang selanjutnya disingkat IRRBB, merupakan resulting from interest rate movements in the market that
risiko akibat pergerakan suku bunga di pasar yang berlawanan are opposite to the banking book positions, which potentially
dengan posisi banking book, yang berpotensi memberikan impact the Bank’s capital and earnings, both at present and in
dampak terhadap permodalan dan rentabilitas (earnings) the future.
Bank baik untuk saat ini maupun pada masa mendatang.
Pada banking book, risiko suku bunga dikelola dengan In the banking book, interest rate risk is managed by analyzing
melakukan analisa repricing gap antara risk sensitive asset the repricing gap between risk-sensitive assets (RSA) and risk-
(RSA) dan risk sensitive liabilities (RSL). Analisa dilakukan sensitive liabilities (RSL). This analysis is conducted to measure
untuk mengukur sensitivitas pendapatan bunga bersih dan the sensitivity of net interest income and the adequacy of
kecukupan permodalan atas pergerakan suku bunga. capital to interest rate movements.
Bank melakukan proses identifikasi, pengukuran dan The Bank conducts identification, measurement, and
pengendalian atas risiko suku bunga di banking book. controlling processes of interest rate risk in the banking book.
Risiko tersebut timbul akibat dari posisi aset dan kewajiban This risk arises from positions of assets and liabilities that
yang mempunyai perbedaan antara waktu perubahan suku have differences between the timing of interest rate changes
bunga dan arus kas (repricing risk), perubahan keterkaitan and cash flows (repricing risk), changes in the connection of
suku bunga dari beberapa yield curve dengan posisi berbeda interest rates from several yield curves with different positions
yang mempengaruhi aktivitas Bank (basis risk), perubahan that affect the Bank’s activities (basis risk), changes in the
keterkaitan suku bunga pada rentang jatuh tempo (yield connection of interest rates across maturity ranges (yield
curve risk), dan suku bunga terkait option embedded dalam curve risk), and interest rates related to options embedded in
produk banking book (option risk). banking book products (option risk).
Dalam melakukan pengukuran risiko IRRBB, Bank In measuring IRRBB risk, the Bank uses 2 (two) methods: based
menggunakan 2 (dua) metode yaitu berdasarkan perubahan on changes in the economic value of equity (ΔEVE) or ΔEVE and
pada nilai ekonomis dari ekuitas (economic value of equity) measurement based on changes in net interest income (NII) or
atau disingkat ∆EVE dan pengukuran berdasarkan perubahan ΔNII, which includes interest rate shock scenarios and stress
pada pendapatan bunga bersih (net interest income) atau scenarios according to the time scale regulated in Financial
disingkat ∆NII yang mencakup skenario shock suku bunga dan Services Authority Circular Letter No. 12/SEOJK.03/2018.
skenario stress sesuai dengan skala waktu yang diatur pada
Surat Edaran Otoritas Jasa Keuangan No. 12/SEOJK.03/2018.
Bank melakukan perhitungan IRRBB untuk setiap posisi akhir The Bank calculates IRRBB for each end-of-month position
bulan laporan dan melakukan pelaporan kepada regulator in the report and reports to the regulator, as well as public
serta pelaporan publikasi untuk setiap posisi akhir triwulan reporting for each end-of-quarter position, according to
laporan sesuai ketentuan yang berlaku. Pengukuran sensitivitas applicable regulations. Sensitivity measurements to IRRBB
terhadap IRRBB dilakukan sesuai ketentuan dalam Surat Edaran are conducted in accordance with the provisions in Financial
Otoritas Jasa Keuangan No. 12/SEOJK.03/2018, sebagai berikut. Services Authority Circular No. 12/SEOJK.03/2018, as follows:
a. Perhitungan IRRBB memperhitungkan keseluruhan posisi a. IRRBB calculations consider the entire banking book
banking book dan dikelompokkan berdasarkan posisi positions and are grouped based on material currency
mata uang yang material bagi Bank. positions for the Bank.
b. Pengukuran risiko IRRBB menggunakan metode ∆EVE b. IRRBB risk measurement uses the ∆EVE and ∆NII methods.
dan ∆NII.
c. Perhitungan ∆EVE tidak memperhitungkan keberadaan c. ∆EVE calculations do not consider the commercial margin
margin komersial dalam arus kas dan dilakukan diskonto in cash flows and are discounted with the risk-free rate on
dengan risk free rate pada tanggal pelaporan. the reporting date.
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Skenario shock suku bunga yang digunakan Bank dalam The interest rate shock scenario used by banks in measuring
pengukuran IRRBB mengacu pada Surat Edaran Otoritas Jasa IRRBB refers to Financial Services Authority Circular No. 12/
Keuangan No. 12/SEOJK.03/2018, sebagai berikut. SEOJK.03/2018, as follows:
a. Metode EVE menggunakan 6 skenario shock suku bunga, a. The EVE method using 6 interest rate shock scenarios,
yaitu: namely:
1) Parallel Up: Shock suku bunga yang paralel ke atas. 1) Parallel Up: an interest rate shock that is parallet to
2) Parallel Down: Shock suku bunga yang paralel ke the top
bawah. 2) Parallel Down: an interest rate shock that is parallel to
3) Steepener: Shock suku bunga yang melandai dengan the bottom.
suku bunga jangka pendek menurun dan suku bunga 3) Steepener: a sloping interest rate shock with short-
jangka panjang meningkat (short rates down dan term interest rates decreasing and long-term interest
long rates up). rates increasing (short rates down and long rates up).
4) Flattener: Shock suku bunga yang mendatar dengan 4) Flattener: A flat interest rate shock characterized by
perpaduan suku bunga jangka pendek meningkat an increase in short-term interest rates and a decrease
dan suku bunga jangka panjang menurun. in long-term interest rates.
5) Short Up: Shock suku bunga jangka pendek yang 5) Short Up: An increase in short-term interest rates
meningkat. shock.
6) Short Down: Shock suku bunga jangka pendek yang 6) Short Down: A decrease in short-term interest rates
menurun. shock.
b. Metode NII menggunakan 2 skenario shock suku bunga, b. The NII method uses 2 (two) interest rate shock scenarios,
yaitu: as follows:
1) Parallel Up: Shock suku bunga yang paralel ke atas. 1) Parallel Up: An interest rate shock that is parallel to
2) Parallel Down: Shock suku bunga yang paralel ke the top.
bawah. 2) Parallel Down: An interest rate shock that is parallel
to the bottom.
Berikut adalah asumsi utama pemodelan dan parametrik yang Here are the main modeling assumptions and parametric used
digunakan Bank. by the Bank:
a. Perhitungan ∆EVE tidak memperhitungkan keberadaan a. The calculation of ∆EVE does not consider the presence of
margin komersial dalam arus kas dan dilakukan diskonto commercial margin in cash flows and is discounted with
dengan risk free rate pada tanggal pelaporan. the risk-free rate on the reporting date.
b. Bank menetapkan rata-rata jatuh tempo (repricing b. The Bank sets the average repricing maturities of NMD
maturities) NMD berdasarkan metodologi core deposit yang based on the current core deposit methodology in the
saat ini berlaku di Bank dengan menerapkan maksimal core Bank by applying the maximum core set by the regulator.
yang ditetapkan oleh regulator.
c. Bank saat ini belum dapat mengestimasi prepayment c. Currently, the Bank is unable to estimate the prepayment
rate dari pinjaman dan early redemption rate untuk rate for loans and the early redemption rate for time
deposito berjangka. deposits.
d. Bank mengukur IRRBB untuk mata uang yang signifikan d. The Bank measures IRRBB for significant currencies
terhadap Jumlah Aset atau Liabilitas mengikuti ketentuan against Total Assets or Liabilities following regulatory
regulator yakni IDR dan USD. Selanjutnya dalam requirements, namely IDR and USD. Furthermore, in
menghitung ΔEVE dan ΔNII dilakukan agregasi dari kedua calculating ΔEVE and ΔNII, aggregation is performed for
mata uang tersebut. both currencies.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk Liquidity risk is the risk resulting from the Bank’s inability to meet
memenuhi kewajiban yang jatuh tempo dari sumber pendanaan maturing obligations from cash flow funding sources and/or from
arus kas dan/atau dari aset likuid berkualitas tinggi yang dapat high-quality liquid assets that can be easily monetized, without
diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan disrupting the Bank’s activities and financial condition. Managing
Bank. Pengelolaan risiko likuiditas merupakan salah satu aktivitas liquidity risk is one of the most important activities carried out by
terpenting yang dilakukan oleh Bank yang bertujuan untuk the Bank aiming at minimizing the possibility of the Bank’s inability
meminimalkan kemungkinan ketidakmampuan Bank dalam to obtain cash flow funding sources.
memperoleh sumber pendanaan arus kas.
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Salah satu upaya yang dilakukan Bank untuk memitigasi terjadinya One of the efforts made by the Bank to mitigate liquidity risk is the
risiko likuiditas adalah dibentuknya Tim Asset Liability Management establishment of an Asset Liability Management (ALMA) Team,
(ALMA) yang berfungsi mengelola dan memonitor struktur aktiva which functions to manage and monitor the structure of assets
dan kewajiban serta membuat strategi pendanaan Bank. and liabilities and develop funding strategies for the Bank.
Dalam penerapan manajemen risiko likuiditas, Bank melakukan In the implementation of liquidity risk management, the Bank
pemantauan likuiditas secara berkala, yang mencakup rasio-rasio conducts regular liquidity monitoring, which includes the liquidity
likuiditas Bank yang diwajibkan regulator. Di antaranya, giro ratios mandated by regulators. These include the minimum
wajib minimum (GWM), rasio intermediasi makroprudensial (RIM) reserve requirement (GWM), macroprudential intermediation ratio
maupun rasio yang ditetapkan sesuai arahan regulator, seperti (RIM), as well as ratios established in accordance with regulatory
rasio alat likuid terhadap non-core deposit (ALNCD), serta rasio directives, such as the ratio of liquid assets to non-core deposits
alat likuid terhadap dana pihak ketiga (ALDPK), liquidity coverage (ALNCD), the ratio of liquid assets to third-party funds (ALDPK),
ratio (LCR), dan net stable funding ratio (NSFR). liquidity coverage ratio (LCR), and net stable funding ratio (NSFR).
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021 Based on Financial Services Authority Regulation No. 12/
tentang Bank Umum dan Peraturan Otoritas Jasa Keuangan POJK.03/2021 on Commercial Banks and Financial Services
No.42/POJK.03/2015 tentang LCR, Bank Sinarmas melaporkan Authority Regulation No. 42/POJK.03/2015 on LCR, Bank Sinarmas
LCR secara berkala sesuai dengan ketentuan regulator yang telah periodically reports its LCR in accordance with the established
di tetapkan. Saat ini, LCR Bank berada pada level yang sangat regulatory provisions. Currently, the Bank’s LCR is at a very
memadai dengan komposisi high quality liquid asset (HQLA) terbesar adequate level with the largest composition of high-quality liquid
berasal dari HQLA Level 1 berupa penempatan pada Bank Indonesia assets (HQLA) derived from Level 1 HQLA, including placements
dan Surat Berharga yang diterbitkan Pemerintah Pusat dan Bank with Bank Indonesia and Government Securities issued by the
Indonesia. Central Government and Bank Indonesia.
Selain LCR, Bank juga telah menerapkan perhitungan dan pelaporan In addition to LCR, the Bank has also implemented the calculation
NSFR sesuai dengan Peraturan Otoritas Jasa Keuangan No.50/ and reporting of NSFR in accordance with Financial Services
POJK.03/2017. NSFR Bank berada di atas batas minimum yang Authority Regulation No. 50/POJK.03/2017. The Bank’s NSFR is
ditetapkan oleh regulator (100%). Ketersediaan stable funding yang above the minimum threshold set by the regulator (100%). The
dimiliki Bank mencukupi untuk menutupi kebutuhan dana yang availability of stable funding of the Bank is sufficient to cover the
diperlukan di mana komposisi terbesar sumber dana berasal dari required funding needs, with the largest composition of funding
Simpanan terutama simpanan yang berasal dari nasabah perorangan sources coming from deposits, especially those from individual
dan pendanaan yang berasal dari nasabah usaha mikro dan kecil. customers, and funding from micro and small business customers.
Untuk memitigasi penarikan dana yang cukup signifikan, Bank To mitigate significant withdrawal of funds, the Bank maintains
menjaga kecukupan aset likuid pada level yang aman. Mitigasi an adequate level of liquid assets. Liquidity risk mitigation is also
risiko likuiditas juga dilakukan dengan cara monitoring arus kas carried out by monitoring cash flows by the Treasury, which has
oleh Treasury yang memiliki akses langsung kepada nasabah- direct access to large customers and has access to enter both
nasabah besar dan mempunyai akses untuk memasuki pasar interbank and non-bank markets to conduct placing and taking
antar bank maupun non-bank untuk melakukan aktivitas placing activities.
maupun taking.
Bank secara berkala melakukan simulasi stress testing likuiditas The Bank periodically conducts liquidity stress testing simulations
dengan asumsi dan skenario dari kondisi biasa (mild) sampai dengan with assumptions and scenarios ranging from mild to severe
kondisi terburuk (severe) untuk melihat ketahanan likuiditas Bank conditions to assess the Bank’s liquidity resilience during crises.
pada kondisi krisis. Dalam hal jika Bank memasuki kondisi krisis If the Bank enters a liquidity crisis, the Bank has prepared
likuiditas, Bank telah menyusun dokumen Contingency Funding Plan Contingency Funding Plan and Short-Term Liquidity Loan
dan dokumen Pinjaman Likuiditas Jangka Pendek. Dokumen terkait documents. These documents include policies, strategies,
Contingency Funding Plan dan Pinjaman Likuiditas Jangka Pendek procedures, and action plans to ensure the Bank’s ability to obtain
mencakup kebijakan, strategi, prosedur dan rencana tindak (action necessary funding sources promptly and at reasonable costs.
plan) untuk memastikan kemampuan Bank memperoleh sumber Testing of the Contingency Funding Plan and Short-Term Liquidity
pendanaan yang diperlukan secara tepat waktu dan dengan biaya Loan is conducted regularly by the Bank to assess the availability
yang wajar. Uji Coba Contingency Funding Plan dan Pinjaman and capability of the Bank to obtain funding, especially when
Likuiditas Jangka Pendek secara berkala dilakukan oleh Bank untuk facing liquidity stress conditions.
mengetahui ketersediaan dan kemampuan Bank dalam memperoleh
pendanaan terutama dalam menghadapi kondisi stress likuiditas.
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Pada dasarnya, risiko likuiditas dikelola sesuai dengan kerangka Basically, liquidity risk is managed according to a framework
kebijakan, pengawasan, dan batasan yang memastikan bahwa of policies, monitoring, and limitations to ensure minimal
konsentrasi pendanaan bersifat minimal, sumber dan jangka concentration of funding, as well as diversified funding sources
waktu pendanaan telah terdiversifikasi. Bank juga secara proaktif and durations. The Bank also proactively manages its core deposit
mengelola basis simpanan inti dan memastikan bahwa batas base and ensures compliance with existing liquidity limits.
likuiditas yang ada dipatuhi.
Risiko Operasional
Risiko operasional dapat disebabkan oleh ketidakcukupan Operational Risk
dan/atau tidak berfungsinya proses internal, kesalahan Operational risk can be caused by inadequacy and/or
manusia, kegagalan sistem, atau adanya faktor eksternal yang malfunctioning of internal processes, human errors, system
mempengaruhi operasional Bank. failures, or external factors affecting the Bank’s operations.
Pengelolaan risiko operasional didukung dengan struktur Operational risk management is supported by the Bank’s
organisasi Bank yang mencakup: organizational structure, which includes:
1. Komite Pemantau Risiko: melakukan fungsi pengawasan dan 1. Risk Monitoring Committee: supervises and provides guidance
memberikan arahan terkait dengan Manajemen Risiko Bank. on the Bank’s Risk Management functions.
2. Komite Manajemen Risiko: melakukan pengawasan atas 2. Risk Management Committee: supervises the risk management
pengelolaan risiko yang dijalankan oleh Bank. conducted by the Bank.
3. Direksi dan Komisaris, memastikan kebijakan terkait risiko 3. The Board of Directors and the Board of Commissioners:
operasional sejalan dengan strategi manajemen risiko Bank ensures that policies related to operational risk are aligned
dan melakukan pemantauan terhadap implementasi with the Bank’s risk management strategy and monitors the
pengelolaan risiko operasional. implementation of operational risk management.
4. Unit Kerja (lini pertama), merupakan risk owner yang 4. Work Units (first line), are the risk owners responsible for
bertanggung jawab untuk pengelolaan manajemen risiko managing risk management in daily operational activities.
pada aktivitas operasional harian.
5. Risk Management Group (lini kedua), melakukan identifikasi, 5. The Risk Management Group (second line), conducts
pengukuran, monitoring terhadap risiko, serta memberikan identification, measurement, monitoring of risks, and provides
rekomendasi untuk peningkatan kualitas kontrol kepada unit recommendations for improving control quality to the work
kerja terkait dengan menggunakan operational risk tools. units related, using operational risk tools.
6. Internal Audit (lini ketiga), memastikan bahwa risiko yang 6. Internal Audit (third line), ensures that identified risks are well
teridentifikasi telah dikelola dengan baik serta memastikan managed and ensures the effectiveness of risk management
keefektifan pelaksanaan manajemen risiko dan internal and internal control implementation by business units
kontrol oleh unit-unit bisnis.
Bank melaksanakan Risk Control Self-Assessment (RCSA) secara The Bank periodically conducts Risk Control Self-Assessment (RCSA)
berkala untuk mengidentifikasi dan mengukur risiko operasional to identify and measure operational and information technology
dan teknologi informasi serta internal kontrol yang telah dilakukan risks, as well as internal controls carried out by the first line (work
oleh lini pertama (unit kerja) dan dilakukan focus group discussion, units). This process involves focus group discussions, assessment,
penilaian dan validasi dokumen oleh lini kedua (Operational dan and document validation by the second line (Operational and IT
IT Risk Management ), dan dilakukan validasi atau audit mengenai Risk Management), and validation or audit regarding accuracy
keakuratan dan keandalannya oleh lini ketiga. Pencatatan atas and reliability by the third line. Operational events are recorded by
kejadian operasional telah dilakukan Bank dengan menggunakan the Bank using a loss event database (LED), where details of the
loss event database (LED) di mana detail kejadian dan nilai kerugian events and the value of losses (both financial and non-financial)
(financial dan non-financial) yang terjadi dicatat. Kelemahan are recorded. Identified weaknesses are followed up for process
yang ada telah ditindaklanjuti untuk penyempurnaan proses dan improvement and to minimize the occurrence of recurring events.
meminimalkan terjadinya pengulangan kejadian.
Bank juga memiliki perangkat risiko operasional berupa Key The Bank also has operational risk tools in the form of Key Risk
Risk Indicators (KRI) yang digunakan untuk mengidentifikasi Indicators (KRI) used to identify or provide an indicator (early
atau memberikan suatu indikator (early warning signal) dan warning signal) and analyze risks earlier concerning the fluctuations
menganalisa risiko sejak dini atas naik turunnya indikator-indikator of risk level indicators in order to control every operational risk
tingkat risiko dalam rangka pengendalian setiap risiko operasional inherent in each business and operational activity of the Bank.
yang melekat pada setiap aktivitas bisnis dan operasional Bank.
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Mitigasi risiko operasional dilakukan melalui: Operational risk mitigation is carried out through:
1. Risk assessment terhadap inisiatif produk dan aktivitas baru, 1. Risk assessment of new product initiatives and activities,
kebijakan dan prosedur, user access matrix yang dimiliki oleh policies and procedures, and user access matrices owned by
Bank. the Bank.
2. Melakukan pengukuran risiko operasional dengan penerapan 2. Conducting operational risk measurement through
RCSA yang dilakukan secara komprehensif oleh lini pertama comprehensive RCSA implementation carried out by the
(unit kerja) dan lini kedua (operational risk management). first line (work units) and the second line (operational risk
3. Pencatatan atas kejadian operasional baik yang menimbulkan management).
kerugian finansial maupun tidak dalam LED. 3. Recording of operational events, whether causing financial
4. Pengembangan KRI untuk unit kerja yang pengukurannya losses or not, in the Loss Event Database (LED).
dilakukan secara berkala. 4. Development of Key Risk Indicators (KRI) for work units with
periodic measurement.
5. Dilakukan penerapan Strategi Anti-Fraud dalam rangka 5. Implementation of Anti-Fraud Strategy to control potential
pengendalian potensi risiko fraud, baik dari internal maupun fraud risks, both internal and external. The implementation
eksternal. Penerapan Strategi Anti-Fraud juga didukung of the Anti-Fraud Strategy is also supported by policies and
oleh kebijakan serta sistem yang digunakan, seperti Fraud systems used, such as the Fraud Detection System.
Detection System.
6. Penerapan internal control yang memadai antara lain melalui 6. Adequate internal control implementation includes the
implementasi Segregation of Duties (SoD)/pemisahan yang jelas implementation of Segregation of Duties (SoD) to clearly
terhadap tugas dan tanggung jawab pada setiap unit kerja, separate tasks and responsibilities in each work unit, and the
implementasi fungsi dual control dalam aktivitas transaksional implementation of dual control functions in transactional and/
dan/atau operasional. or operational activities.
7. Training dan sosialisasi berkala untuk meningkatkan 7. Periodic training and outreach activities to enhance the
kompetensi sumber daya manusia (SDM). competency of human resources.
Risiko Hukum Legal Risk
Risiko hukum diidentifikasi sebagai risiko yang timbul dari Legal risk is identified as the risk arising from weaknesses in legal
kelemahan aspek hukum. Hal itu, antara lain akibat dari tindakan aspects. This includes, among others, the results of legal actions,
hukum, tidak adanya peraturan yang mendukung atau kelemahan lack of supporting regulations, or weaknesses in legally binding
dari ketentuan-ketentuan yang mengikat secara hukum, seperti provisions, such as failure to comply with legal requirements of an
kegagalan untuk mematuhi persyaratan hukum suatu perjanjian agreement and gaps in security arrangements.
dan celah-celah dalam pengikatan jaminan.
Perkembangan dan dinamika transaksi memerlukan peningkatan The development and dynamics of transactions require optimal
optimalisasi atas peran dan Fungsi Legal yang ada. Dalam setiap enhancement of the role and function of existing Legal
aktivitas, baik perkreditan, operasional maupun treasury, Bank departments. In every activity, whether in lending, operations, or
juga selalu memperhatikan kelengkapan aspek hukum, terutama treasury, the Bank also always pays attention to the completeness
yang berkaitan dengan aktivitas perikatan perjanjian dengan of legal aspects, especially those related to contractual agreements
nasabah/debitur dan kelengkapan dokumen legalitas sebagai with customers/debtors and the completeness of legal documents
bentuk pengendalian risiko. as a form of risk control.
Sejumlah upaya yang telah dilakukan Bank untuk memperbaiki A number of efforts have been made by the Bank to address
kelemahan-kelemahan terkait perjanjian, antara lain dengan weaknesses related to agreements, including conducting a review
melakukan review ulang dan pemutakhiran perjanjian kerja sama and updating cooperation agreements that no longer align with
yang sudah tidak sesuai dengan pelaksanaan, program pelatihan implementation, training programs for employees, dissemination
bagi karyawan, sosialisasi guna membangun budaya sadar program to foster a culture of legal risk awareness and compliance
risiko hukum dan kepatuhan pada seluruh aspek lini Bank serta with all aspects of the Bank’s operations, and effectiveness of
efektivitas terhadap pengendalian internal. internal controls.
Risiko Stratejik Strategic Risk
Secara umum, Risiko Stratejik adalah potensi kerugian yang Generally, Strategic Risk is the potential loss resulting from
ditimbulkan akibat ketidaktepatan dalam pembuatan dan inaccuracies in making and implementing strategic decisions, as
pelaksanaan suatu keputusan strategis, serta kegagalan Bank well as the Bank’s inability to respond to changes in the business
dalam menanggapi perubahan lingkungan bisnis. environment.
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Sebagai langkah dalam memitigasi terjadinya potensi risiko As a step to mitigate potential strategic risks, the Bank has
strategis, Bank telah menyusun strategi dan rencana bisnis yang developed strategies and business plans that are previously
sebelumnya telah didiskusikan dengan Dewan Komisaris dan discussed with the Board of Commissioners and the Board of
Direksi. Bank juga melakukan kajian dan evaluasi atas realisasi Directors. The Bank also conducts reviews and evaluations of
yang telah dicapai oleh Bank sesuai dengan yang terangkum the achievements realized by the Bank as outlined in the Bank’s
dalam Rencana Bisnis Bank (RBB). Business Plan (RBB).
Pengukuran kinerja Bank dilakukan dengan melakukan monitoring Bank performance measurement is conducted by regularly
secara berkala melalui laporan-laporan yang ditujukan kepada monitoring through reports directed to the Board of Directors and
Direksi serta kantor cabang/unit kerja terkait. relevant branch offices/work units.
Pada akhir tahun 31 Desember 2023, Bank telah mencapai realisasi As of the end of December 31, 2023, the Bank recorded good
yang baik pada pos-pos keuangan seperti Jumlah Aset, Jumlah realization in financial positions such as Total Assets, Total Loans,
Kredit, Surat Berharga, Jumlah DPK, Laba Tahun Berjalan, ROE, Securities, Total Deposits, Year-to-Date Profit, Return on Equity
NPL Gross, NPL Net, dan BOPO. Hal ini menunjukkan bahwa Bank (ROE), Gross NPL, Net NPL, and Operating Expenses to Operating
secara bertahap melakukan penyempurnaan pada seluruh proses Income (BOPO). This indicates that the Bank has gradually
aktivitas bisnis Bank untuk lebih mengakselerasi pencapaian refined all business activity processes to accelerate performance
kinerja sesuai dengan target yang ditentukan. achievement in line with set targets.
Sesuai dengan Rencana Stratejik Bank, maka Bank mulai In accordance with the Bank’s Strategic Plan, the Bank starts to
mempersiapkan strategi dan infrastruktur terkait rencana aktivitas prepare strategies and infrastructure related to the establishment
Pendirian PT Bank Nano Syariah sebagai anak usaha, antara lain plan of PT Bank Nano Syariah as a subsidiary. This includes
melalui persiapan spin off UUS menjadi Bank Nano Syariah pada preparations for spinning off the Sharia Business Unit (UUS) into
Triwulan I Tahun 2024 dan pengembangan Digital Banking yang Bank Nano Syariah in the first quarter of 2024 and developing
bekerja sama dengan pihak ketiga dalam rangka pemberian kredit Digital Banking in collaboration with third parties to gradually
melalui platform mobile banking (Digital Loan) secara bertahap. provide credit through the mobile banking platform (Digital Loan).
Pengembangan bisnis Bank pada tahun 2023, yaitu dengan The Bank’s business development in 2023 involved diversifying
melakukan diversifikasi produk dengan mengembangkan products by developing several new products/activities, such as:
beberapa produk/aktivitas baru, seperti:
1. Program Dana Pensiun Lembaga Keuangan (DPLK), yaitu 1. The Financial Institution Pension Funds (DPLK) program is a
program pensiun di mana iuran yang diterima berupa dana pension program where contributions received are funds
yang dihimpun dari Pemberi Kerja yang digunakan untuk collected from Employers used to pay severance benefits;
membayar pesangon;
2. Program Asuransi Jiwa Seumur Hidup, yaitu produk asuransi 2. The lifetime insurance program is a life insurance product
yang memberikan perlindungan jiwa sampai dengan 75 atau that provides life protection up to 75 or 100 years, as well as
100 tahun serta manfaat nilai tunai sebesar 100% dari uang cash value benefits equal to 100% of the Sum Insured if the
Pertanggungan jika Tertanggung masih hidup sampai dengan Insured is still alive until the end of the insurance period;
akhir periode asuransi;
3. Program Digital Banking dan Layanan Perbankan Digital 3. The Digital Banking and Digital Banking Services (Sharia)
(Syariah), yaitu layanan pembukaan rekening dan pendaftaran program is a service for digital account opening and
nasabah Bank secara digital; registration of Bank customers;
4. Program Reksa Dana Stable Income Fund, yang berinvestasi 4. Stable Income Fund Mutual Fund Program, which invests in
pada Efek bersifat utang dan/atau instrumen pasar uang domestic debt securities and/or money market instruments
dalam negeri dan dikategorikan berisiko rendah-sedang; and is categorized as low to medium risk;
5. Reksa Dana Simas Pendapatan Optima, yang berbasis 5. Simas Optimal Income Mutual Fund, is a product based on
pendapatan tetap yang optimal dalam jangka menengah dan optimal fixed income for medium to long-term through
panjang melalui penempatan dana investasi pada efek hutang investment placement in debt securities and money market
dan instrumen pasar uang dengan tingkat risiko relatif rendah; instruments with relatively low risk levels.
6. Mitra Pemasaran PPE Kelembagaan Level I atau yang 6. Level 1 Institutional Securities Broker Marketing Partner
merupakan penyesuaian nama atas kegiatan Agen Perantara Program, which is a name adjustment for the activities of
Pedagang Efek; dan Securities Broker Intermediaries; and
7. Program Dwiguna (Retirement) yang memberikan manfaat nilai 7. Dual-purpose program (Retirement) Program, which provides
tunai pada saat usia mapan yang dipilih serta manfaat tahunan cash value benefits at the chosen maturity age and annual
sampai dengan maksimum 20 tahun setelah usia mapan. benefits for up to a maximum of 20 years after maturity age.
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Pasca kondisi Pandemi Covid-19, Bank mengambil sejumlah strategi Post Covid-19 pandemic, the Bank implemented several strategies
dalam rangka mempertahankan kinerja Bank, seperti melakukan to maintain its performance, such as taking precautionary
langkah antisipatif penyebaran virus di lingkungan kantor dengan measures against the spread of the virus in the office environment
melakukan split operation unit critical, aktivitas operasional secara by implementing split operations for critical units and conducting
hybrid (separuh dilakukan di rumah (work from home) dan separuh hybrid operational activities (partly working from home and partly
dilakukan di kantor (work from office)). Dari sisi bisnis, Bank juga in the office). In term of business perspective, the Bank also
selalu menjaga prinsip kehati-hatian dalam menyalurkan kredit maintained a cautious approach in channeling credit by being
dengan pemberian kredit secara lebih selektif, adanya pelaksanaan more selective in credit disbursement, implementing restructuring,
restrukturisasi serta menjaga likuiditas dan permodalan Bank pada and maintaining liquidity and adequate capital levels to ensure
level yang memadai sehingga aktivitas operasional dan bisnis Bank smooth operational and business activities. Additionally, the
dapat berjalan dengan lancar. Di samping itu, Bank juga semakin Bank intensified efforts to promote the use of digital transactions
gencar melakukan sosialisasi penggunaan transaksi digital melalui through Simobi. The Bank also developed partnerships with digital
Simobi. Bank juga mengembangkan kerja sama dengan platform platforms for credit disbursement (digital loans) and overall digital
digital dalam penyaluran kredit (digital loan) dan digital banking banking services.
secara keseluruhan.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang timbul ketika Bank Compliance risk is the risk that arises when the Bank fails to
tidak mematuhi atau tidak melaksanakan peraturan perundang- comply with or implement applicable laws and regulations and
undangan dan ketentuan hukum lain yang berlaku. other legal provisions.
Bank secara berkala menyempurnakan kebijakan dan prosedur The Bank periodically enhances policies, procedures, and limits that
serta limit-limit yang mengacu kepada ketentuan regulator serta adhere to regulatory requirements and other relevant institutions,
institusi terkait lainnya, seperti Kementerian Keuangan, Peraturan such as the Ministry of Finance, Government Regulations, Banking
Pemerintah, Undang-Undang Perbankan, dan lainnya. Bank Laws, and others. The Bank conducts regular reviews of policies,
melakukan kajian kembali secara berkala terhadap kebijakan, procedures, and limits to assess their suitability with the scale and
prosedur dan limit. Kajian tersebut untuk mengukur kesesuaiannya complexity of the Bank and to enhance caution and compliance
dengan skala dan kompleksitas Bank serta untuk meningkatkan risk mitigation.
kehati-hatian dan mitigasi risiko kepatuhan.
Dalam rangka menerapkan manajemen risiko kepatuhan yang In order to implement effective compliance risk management,
efektif, Bank Sinarmas melakukan identifikasi dan pengelolaan Bank Sinarmas identifies and manages factors that can lead to
terhadap faktor-faktor yang dapat menyebabkan meningkatnya increased compliance risk exposure, including:
eksposur risiko kepatuhan, antara lain:
1. Penerapan GCG secara efektif untuk memastikan dan 1. Effective implementation of GCG to ensure and monitor
memantau kepatuhan terhadap setiap peraturan dan compliance with external and internal regulations and
persyaratan secara eksternal maupun internal. requirements.
2. Melakukan penilaian secara aktif dan berkala terhadap 2. Actively and periodically assessing the adequacy of the Bank’s
kecukupan kebijakan Pedoman dan Prosedur Internal yang Internal Guidelines and Procedures to ensure their compliance
dimiliki oleh Bank untuk memastikan kesesuaiannya terhadap with applicable regulations and laws.
peraturan dan perundang-undangan yang berlaku.
3. Proaktif melakukan sosialisasi terkait dengan pemberlakuan 3. Proactively conducting dissemination regarding the
peraturan-peraturan Regulator yaitu baik dalam bentuk implementation of Regulatory regulations, both in the form of
sosialisasi langsung, juga dilakukan penyempurnaan materi direct dissemination program and by improving the material
sosialisasi ketentuan terbaru melalui media internal dengan of the latest provisions through internal media by adding
menambahkan rangkuman dari ketentuan tersebut. summaries of those provisions.
4. Melakukan identifikasi dan analisa kepatuhan (compliance 4. Conducting identification and compliance analysis of plans
analysis) atas rencana dan pengembangan produk dan and development of new products as well as activities to
aktivitas baru guna memastikan kepatuhannya terhadap ensure their compliance with applicable laws and regulations.
peraturan dan perundang-undangan yang berlaku.
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Risiko Reputasi Reputation Risk
Risiko reputasi dapat timbul akibat adanya pemberitaan negatif yang Reputation risk can arise due to negative news related to the
menyangkut operasional Bank, atau persepsi negatif tentang Bank. Bank’s operations or negative perceptions about the Bank.
Dalam rangka memenuhi kebutuhan pengelolaan risiko reputasi yang In order to meet the needs of adequate reputation risk management,
memadai, Bank antara lain memiliki Unit Kerja Contact Center untuk the Bank, among other things, has a Contact Center Work Unit to
memberikan layanan informasi perbankan serta menerima keluhan/ provide banking information services and handle customer complaints.
pengaduan nasabah. Kemudian, Corporate Secretary memberikan Additionally, the Corporate Secretary provides information that
informasi yang perlu disampaikan kepada publik/stakeholders terkait needs to be communicated to the public/stakeholders regarding the
aktivitas Bank, serta petugas Bank di kantor-kantor cabang yang Bank’s activities, and Bank officers at branch offices who can provide
setiap saat dapat memberikan informasi kepada nasabah. information to customers at any time.
Selain itu, pengendalian risiko reputasi juga dilakukan antara Furthermore, reputation risk control is also carried out, among
lain dengan melalui pemantauan yang dilakukan oleh Unit Kerja other things, through monitoring conducted by the Corporate
Corporate Secretary terhadap berita yang berkaitan dengan Bank Secretary Work Unit on news related to Bank Sinarmas in the
Sinarmas di media massa, Bank juga secara aktif melakukan mass media. The Bank also actively engages in Corporate Social
Corporate Social Responsibility yang dilaksanakan di bidang Responsibility activities in education and healthcare sectors.
pendidikan dan kesehatan.
Bank telah menerapkan prinsip transparansi dalam tata cara The Bank has implemented transparency principles in handling
penanganan pengaduan nasabah dan penyelesaian sengketa customer complaints and dispute resolutions at branch offices/
kepada kantor cabang/unit kerja serta kepada nasabah. Hal itu work units and for customers. This is in accordance with
sesuai dengan ketentuan regulator tentang Pengaduan Nasabah regulatory provisions regarding Customer Complaints and
dan Mediasi Perbankan, termasuk dalam hal apabila terjadi krisis. Banking Mediation, including during a crisis.
Bank memiliki sistem informasi manajemen untuk pencatatan The Bank has a management information system for recording
dan administrasi pengaduan nasabah, terutama terkait dengan and administering customer complaints, especially regarding
pengaduan mengenai produk dan layanan Bank. Aplikasi ini complaints about Bank products and services. This application
membantu Bank untuk menyelesaikan pengaduan dengan baik helps the Bank to resolve complaints efficiently according to the
sesuai Service Level Agreement (SLA). Service Level Agreement (SLA).
Transparansi produk yang ditawarkan kepada nasabah sesuai Product transparency offered to customers complies with
dengan ketentuan regulator mengenai transparansi produk regulatory provisions regarding product transparency through the
melalui situs web Bank, serta upaya peningkatan standar layanan Bank’s website, and efforts to improve customer service standards
nasabah dengan melakukan training service excellence kepada are made through service excellence training for Bank officers.
petugas Bank. Selain itu, Bank memiliki Unit Kerja Service Additionally, the Bank has a Service Quality Work Unit responsible
Quality yang bertugas untuk memastikan kualitas pelayanan for ensuring that the quality of service provided by bank officers
yang diberikan oleh petugas bank kepada nasabah sudah sesuai to customers meets established standards.
dengan standar yang ditetapkan.
Untuk memastikan pelayanan yang berkualitas, cabang To ensure quality service, branch offices conduct role play sessions
melakukan role play minimal 1 minggu sekali serta Mystery Call at least once a week as well as Mystery Calls coordinated with
yang berkoordinasi dengan Unit Kerja Service Quality, Mystery the Service Quality Work Unit, and Mystery Shopper evaluations
Shopper yang dilakukan oleh Unit Kerja Service Quality maupun conducted by the Service Quality Work Unit or designated officers.
petugas yang ditunjuk oleh unit kerja tersebut. Selain itu, melalui In addition, through the Service Quality unit, the Bank also
unit Service Quality, Bank juga melakukan sosialisasi terkait conducts outreach activity regarding policies in service segment.
kebijakan di bidang layanan.
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Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Informasi Kualitatif terkait Risiko Kredit secara Umum (CRA)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Qualitative Information Related to General Credit Risk (CRA)
Report Period: December 2023
Analisa Kualitatif Qualitative Analysis
Dalam penerapan Manajemen Risiko Kredit di Bank Sinarmas, Model bisnis In implementing Credit Risk Management at Bank Sinarmas, the business
dilakukan sesuai dengan profil risiko bank, yang meliputi risiko yang melekat model is adjusted to the Bank's risk profile, which encompasses the inherent
pada aktivitas perkreditan Bank (Inherent Risk), serta terhadap Kualitas risks in the Bank's lending activities (Inherent Risk) as well as the Quality of
Penerapan Manajemen Risiko (KPMR). Hasil penilaian profil risiko Bank Risk Management Implementation (KPMR). The assessment results of the
digunakan untuk melihat efektivitas penerapan manajemen risiko. Apabila Bank's risk profile are used to evaluate the effectiveness of risk management
terdapat penerapan manajemen risiko yang belum efektif, Bank dapat implementation. If there are ineffective risk management practices, the Bank
segera memperbaiki penerapan kontrol yang ada, sehingga tujuan yang can promptly improve existing controls to achieve the Bank’s set objectives.
telah ditetapkan oleh Bank dapat tercapai. Penilaian profil risiko tersebut The assessment of the risk profile is conducted through self-assessment by
dilakukan secara self asessment oleh Bank untuk disampaikan kepada the Bank to be submitted to the Financial Services Authority.
Otoritas Jasa Keuangan.
Bank memiliki kebijakan, dan prosedur penerapan manajemen risiko The Bank has policies and procedures for the implementation of credit risk
kredit, yang tertuang dalam Pedoman Manajemen Risiko Bank Sinarmas. management, outlined in the Bank Sinarmas Risk Management Guidelines.
Pedoman tersebut telah diterapkan secara konsisten dan secara berkala These guidelines have been consistently applied, and periodic reviews are
dilakukan peninjauan kembali untuk memastikan kesesuaiannya dengan conducted to ensure their alignment with business developments, the Bank's
perkembangan bisnis, visi, misi, dan strategi Bank, serta perubahan regulasi vision, mission, and strategy, as well as changes in applicable regulations. The
yang berlaku. Penyusunan pedoman tersebut didasarkan pada strategi development of these guidelines is based on risk management strategies, risk
manajemen risiko, limit risiko dalam kewenangan pengambilan keputusan limits within the authority of credit decision-making, as well as Risk Appetite
pemberian kredit, maupun dalam Risk Appetite dan Risk Tolerance and Risk Tolerance, considering the Bank's capital capacity to absorb risk.
yang memperhatikan kemampuan modal Bank untuk dapat menyerap The determination of Risk Appetite and Risk Tolerance is adjusted to the
risiko. Penetapan Risk Appetite dan Risk Tolerance disesuaikan dengan Bank's business complexity, resulting from the Bank's Business Plan,
kompleksitas bisnis Bank, hasil dari Rencana Bisnis Bank, data historis Bank historical data from the past year, regulatory provisions, benchmarking data
satu tahun terakhir, ketentuan regulator, data benchmarking terhadap peers against peer banks, banking statistics, and the Bank capital information.
Bank, statistik perbankan, serta informasi modal Bank. Risk Appetite dan Risk Appetite and Risk Tolerance are formulated by the Risk Management
Risk Tolerance disusun oleh Satuan kerja Risk Management Group untuk Group and evaluated and proposed to the Risk Management Committee.
dievaluasi dan diajukan kepada Komite Manajemen Risiko. Selanjutnya, Risk Subsequently, Risk Appetite and Risk Tolerance are recommended to the
Appetite dan Risk Tolerance direkomendasikan kepada Dewan Direksi untuk Board of Directors for approval and determination.
mendapatkan persetujuan dan penetapan.
Dalam rangka penerapan manajemen Risiko dan tata kelola yang efektif, In order to implement effective Risk Management and governance, the Bank
Bank telah menetapkan struktur manajemen risiko disertai dengan tugas has established a risk management structure accompanied by duties and
dan tanggung jawab pada seluruh satuan kerja yang disesuaikan dengan responsibilities across all units, tailored to the Bank's objectives, policies,
tujuan dan kebijakan, serta ukuran dan kompleksitas kegiatan usaha and the scale and complexity of its business activities. This includes the
Bank. Dimana telah membentuk satuan kerja Risk Management Group establishment of the Risk Management Group which is accountable to
yang bertanggung jawab kepada Compliance and Risk Management the Compliance and Risk Management Director. The Risk Management
Director. Satuan kerja Risk Management Group tersebut independen Group operates independently from business units. To carry out the
terhadap satuan kerja bisnis. Untuk melaksanakan fungsi pengawasan function of overseeing and monitoring the Bank's risks (Risk Oversight) and
dan pemantauan risiko Bank (Risk Oversight), serta mewujudkan Good to ensure Good Corporate Governance, the Board of Commissioners has
Corporate Governance, Dewan Komisaris menetapkan Komite Pemantau established a Risk Monitoring Committee tasked with assisting the Board
Risiko yang memiliki tugas membantu Dewan Komisaris dalam melakukan of Commissioners in overseeing and monitoring the implementation of risk
pengawasan dan pemantauan pelaksanaan penerapan manajemen risiko, management and assessing its effectiveness. At the Board of Directors level,
dan menilai efektifitas penerapan manajemen risiko. Sedangkan di tingkat a Risk Management Committee has been established with the authority and
Direksi ditetapkan Komite Manajemen Risiko yang memiliki wewenang dan responsibility to evaluate and provide recommendations to the President
tanggung jawab untuk melakukan evaluasi dan memberikan rekomendasi Director regarding the implementation of Risk Management, including Credit
kepada direktur utama terkait penerapan Manajemen Risiko termasuk Risk. In the implementation of lending activities, the Credit Risk management
didalamnya Risiko Kredit. Dalam pelaksanaan aktivitas perkreditan, organization of Bank Sinarmas applies the four eyes principle as one of the
Organisasi manajemen risiko kredit Bank Sinarmas menerapkan sistem Credit Risk controls in the credit granting process for Corporate, Commercial
four eyes principle sebagai salah satu pengendalian Risiko Kredit dalam Business Management, MSME, and Card & Consumer Loan segments.
proses pemberian kredit pada segmen Corporate, Commercial Business
Management, MSME dan Card & Consumer Loan.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Analisa Kualitatif Qualitative Analysis
Bank mengadopsi model Three Lines of Defense, dimana masing-masing lini The Bank adopts the Three Lines of Defense model, where each line synergizes
saling bersinergi dalam menerapkan manajemen risiko. Lini Pertahanan Pertama in implementing risk management. The First Line of Defense is the Risk-
(1st Lines of Defense) merupakan Risk Taking Unit (Pemilik Risiko), yang terdiri Taking Unit (Risk Owners), consisting of business units and supporting units
dari unit bisnis dan unit pendukung yang bertanggung jawab melakukan responsible for identifying and managing existing risks from daily business
identifikasi dan mengelola risiko yang ada dari kegiatan/ aktivitas bisnis activities in accordance with internal policies and prevailing risk levels. For the
sehari-hari sesuai dengan ketentuan internal, dan tingkat risiko yang berlaku. Second Line of Defense, which functions as risk supervisor, it comprises the
Untuk Lini Pertahanan Kedua (2nd Lines of Defense), memiliki fungsi sebagai Risk Management Group (which oversees the Credit Risk Division) and the
pengawas risiko terdiri dari Risk Management Group (yang membawahi Credit Compliance Group which is responsible for setting policies, Risk Appetite,
Risk Division), dan Compliance Group, yang bertanggungjawab menetapkan and Risk Tolerance, conducting independent oversight of business activities,
kebijakan, Risk Appetite dan Risk Tolerance, melakukan pengawasan yang especially lending, and reporting to management to ensure that the Bank
independen dari aktivitas bisnis khususnya perkreditan, serta pelaporan ke conducts its business and operations in line with applicable appetite and
manajemen untuk memastikan bahwa Bank melakukan aktivitas bisnis dan regulations. Furthermore, the Third Line of Defense comprises the Internal
beroperasi sesuai dengan appetite dan ketentuan yang berlaku. Selanjutnya Audit Work Unit, tasked with evaluating the implementation of credit risk
Lini Pertahanan Ketiga (3rd Lines of Defense), merupakan Satuan Kerja Audit management and control processes in the Bank, whether credit risks have
Internal, yang memiliki fungsi mengevaluasi pelaksanaan manajemen risiko been identified and managed appropriately and whether the quality and
kredit dan proses pengendalian bidang perkreditan di Bank seperti apakah continuous improvement are inherent in the Bank's control processes, both
risiko kredit telah diidentifikasi dan dikelola secara tepat serta kualitas dan in the first and second lines.
perbaikan berkesinambungan telah melekat di dalam proses pengendalian
Bank, baik pada lini pertama maupun lini kedua.
Pelaporan informasi risiko kredit disampaikan kepada Dewan Komisaris dan The reporting of credit risk information is conveyed to the Board
Direksi melalui komite yang dibentuk dan berada di bawah Dewan Komisaris of Commissioners and the Board of Directors through the Board of
dan Direksi. Untuk komite di bawah Dewan Komisaris disampaikan melalui Commissioners and the Board of Directors’ established and subordinated
Komite Pemantau Risiko, sedangkan untuk Komite dibawah Direksi committees. Information for the Board of Commissioners’ subordinated
disampaikan melalui Komite Manajemen Risiko. Beberapa informasi yang committees is transmitted through the Risk Monitoring Committee, while
disampaikan dalam laporan adalah Laporan Profil Risiko, dan Laporan for the Board of Directors’ subordinated committees, it is conveyed through
Portofolio Kredit. the Risk Management Committee. Some of the information included in the
report comprises the Risk Profile Report and the Credit Portfolio Report.
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Kualitas Kredit atas Aset (CR1)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Credit Quality of Assets (CR1)
Report Period : December 2023
Bank secara Individu
Bank Individually
Nilai Tercatat Bruto CKPN
Gross Carrying Value Allowance
for
Tagihan yang Telah Jatuh Tempo Tagihan yang Belum Jatuh Tempo Impairment
Overdue Bills Undue Bills Losses
a b c
1 Kredit 106.244 17.217.365 549.285
2 Surat Berharga - 18.352.975 -
3 Transaksi Rekening Administratif - 3.731.673 -
4 Penempatan - 14.943.161 -
5 Aset Lainnya - 3.001.980 -
6 Derivatif selain Kredit - 62.108 -
7 Total 106.244 57.309.262 549.285
Pengungkapan Tambahan
Tagihan yang telah jatuh tempo merupakan seluruh tagihan yang telah tertunggak / jatuh tempo lebih dari 90 (sembilan puluh) hari,
baik atas pembayaran pokok dan/atau pembayaranbunga atau tagihan kepada debitur yang wanprestasi.
Laporan Tahunan dan Keberlanjutan 2023
446 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
CKPN CKPN
Allowance for Impairment Losses (Pendekatan IRB) Nilai Bersih
Allowance for Net Worth
Stage 2 dan Stage 3 Impairment Losses (a+b-c)
Stage 1
Stage 2 and Stage 3 (IRB Approach)
d e f g
549.285 - - 16.774.324 Credit
- - - 18.352.975 Securities
- - - 3.731.673 Administrative Account Transactions
- - - 14.943.161 Placement
- - - 3.001.980 Other Assets
- - - 62.108 Derivatives other than credit
549.285 - - 56.866.221 Total
Additional Disclosure
Overdue bills are all bills that have been overdue/expired for more than 90 (ninety) days, whether for principal payments and/or interest payments or bills
owed by defaulting debtors.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 450
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Changes in Due Loans and Securities (CR2)
Report Period : December 2023
(1) Bank secara Individu
Bank Individually (dalam jutaan rupiah / in Rp million)
No. Pos-Pos a Posts
Kredit dan Surat Berharga yang Telah Jatuh Tempo pada
1 140.786 Due Loans and Securities on Last Reporting Period
periode pelaporan terakhir
Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak
2 84.218 Due Loans and Securities since Last Reporting Period
periode pelaporan terakhir
Kredit dan Surat Berharga yang kembali menjadi tagihan yang
3 7.470 Loans and Securities that return to become undue bills
belum jatuh tempo
4 Nilai hapus buku 110.148 Write-Off Value
5 Perubahan lain (1.142) Other Changes
Kredit dan Surat Berharga yang Telah Jatuh Tempo pada Due Loans and Securities on Last Reporting Period
6 106.243
akhir periode pelaporan (1+2-3-4+5) (1+2-3-4+5)
(2) Pengungkapan Tambahan (2) Additional Disclosure
Perubahan Nilai Kredit dan Surat Berharga yang Telah Jatuh Tempo Changes in the value of overdue credit and securities are due to the
disebabkan adanya metode perhitungan baru mengacu pada adoption of a new calculation method referring to
SEOJK Nomor 24/SEOJK.03/2021 tentang Perhitungan Aset Tertimbang SEOJK No. 24/SEOJK.03/2021 concerning the Calculation of Risk-
Menurut Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Weighted Assets for Credit Risk Using the Standardized Approach for
Standar Bagi Bank Umum Commercial Banks.
Laporan Tahunan dan Keberlanjutan 2023
448 PT. Bank Sinarmas Tbk.
Page 451
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tambahan terkait Kualitas Kredit atas Aset (CRB)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Additional Disclosure of Credit Quality of Assets (CRB)
Report Period : December 2023
Bank Secara Individu
Bank Individually
Analisa Kualitatif Qualitative Analysis
Tagihan yang telah jatuh tempo merupakan seluruh tagihan yang telah jatuh Overdue bills are all bills that have matured for more than 90 (ninety)
tempo lebih dari 90 (sembilan puluh) hari, baik atas pembayaran pokok dan/ days, whether for principal payments and/or interest payments. Bills that
atau pembayaran bunga. Tagihan yang mengalami penurunan nilai adalah have decreased in value are those included in stage 2 and stage 3 in the
tagihan yang termasuk pada stage 2 dan stage 3 pada perhitungan CKPN, calculation of Expected Credit Loss (ECL), namely all bills that have matured
yakni seluruh tagihan yang telah jatuh tempo lebih dari 30 (tiga puluh) hari, for more than 30 (thirty) days, whether for principal payments and/or
baik atas pembayaran pokok dan/atau pembayaran bunga. Dengan kata interest payments. In other words, all overdue bills are part of bills that have
lain, seluruh tagihan yang telah jatuh tempo merupakan bagian dari tagihan decreased in value.
yang mengalami penurunan nilai.
Perusahaan telah mengimplementasikan PSAK No. 71 sejak Januari 2020 The Company has implemented PSAK No. 71 since January 2020 regarding
dalam hal pembentukan cadangan kerugian penurunan nilai (CKPN) sesuai the formation of the allowance for impairment losses (CKPN) in accordance
dengan penetapan Dewan Standar Akuntansi Keuangan Ikatan Akuntan with the determination of the Financial Accounting Standards Board of the
Indonesia (DSAK IAI). CKPN yang dibentuk dengan menggunakan metode Indonesian Institute of Chartered Accountants (DSAK IAI). CKPN formed
Expected Credit Loss sesuai dengan ketentuan PSAK No. 71 menghitung using the Expected Credit Loss method in accordance with the provisions of
penurunan nilai pada Portofolio Kredit, Treasury dan Trade Finance setiap PSAK No. 71 calculates the decrease in value in the Credit Portfolio, Treasury,
bulan, baik untuk on balance sheet maupun off balance sheet. Perusahaan and Trade Finance every month, both for on-balance sheet and off-balance
melakukan permodelan PD, LGD, EAD dan Forward Looking Macroeconomic sheet items. The company models PD, LGD, EAD, and Forward-Looking
untuk semua segmentasi portofolio instrumen keuangan sesuai dengan Macroeconomic for all segmentation of financial instrument portfolios
metodologi yang telah ditentukan oleh Perusahaan. according to the methodology established by the Company.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
449
Page 452
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tagihan Bersih Berdasarkan Wilayah
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Net Receivables by Area
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Posisi Tanggal Laporan
Report Date
Tagihan Bersih Berdasarkan Wilayah
No. Kategori Portofolio
Net Receivables by Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f f g h
1 Tagihan Kepada Pemerintah - - - - 24.157.992 - -
2 Tagihan kepada Entitas Sektor Publik - - - - 2.210.968 - -
Tagihan kepada Bank Pembangunan
3 - - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank 5 5 - - 2.831.842 - -
5 Tagihan berupa Covered Bond - - - - - - -
Tagihan kepada Perusahaan Efek dan
6 - - - - 1.001.786 - -
Lembaga Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang
7 Subordinasi, Ekuitas, dan Instrumen Modal - - - - - - -
Lainnya
8 Kredit Beragun Rumah Tinggal 975 - 2.272 - 4.103 330 -
9 Kredit Beragun Properti Komersial - - - - - - -
Kredit untuk Pengadaan Tanah, Pengolahan
10 1.524 19.641 - - 14.593 400 2.977
Tanah, dan Konstruksi
11 Kredit Pegawai atau Pensiunan - - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil,
12 523.695 914.292 129.208 55.920 549.614 602.489 487.171
dan Portofolio Ritel
13 Tagihan kepada Korporasi 50.794 82.501 85.460 - 15.109.697 10.811 35.960
14 Tagihan yang Telah Jatuh Tempo 5.183 8.851 1.060 919 3.191 9.973 5.263
15 Aset Lainnya - - - - 3.001.980 - -
Total 582.176 1.025.290 218.000 56.839 48.885.766 624.003 531.371
Laporan Tahunan dan Keberlanjutan 2023
450 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
Posisi Tanggal Laporan
Report Date
Tagihan Bersih Berdasarkan Wilayah
Portfolio Category
Net Receivables by Area
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
i j k l l m n o
- - - - - - - 24.157.992 Receivables from Government
- - - - - - - 2.210.968 Receivables from Public Sector Entities
Receivables from Multilateral
- - - - - - - - Development Banks and
International Institutions
4.630 - 4 - - - - 2.836.486 Receivables from Banks
- - - - - - - - Receivables from Covered Bond
Receivables from Securities
- - - - - 94 - 1.001.880 Companies and Other Financial
Services Institutions
Receivables in the form of
- - - - - - - - Subordinated Securities, Equity and
Other Capital Instruments
Residential Property Collateralized
547 - - - - - - 8.227
Loans
Commercial Property Collateralized
142 - - - - - - 142
Loans
Land Acquisition, Land Processing
2.057 - - - - 22.841 31.721 95.754
and Construction Loans
- - - - - - - - Employee or Retairement Loans
Receivables from Microbusiness,
345.972 344.282 478.517 359.919 - 210.656 10.244 5.011.979
Small Business, and Retail Portfolio
118.726 11.032 37.931 33.072 - 80.272 63.818 15.720.074 Receivables from Corporations
4.869 5.077 5.469 2.461 - 3.859 209 56.384 Due Receivables
- - - - - - - 3.001.980 Other Assets
476.943 360.391 521.921 395.452 - 317.722 105.992 54.101.866 Total
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
451
Page 454
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Posisi Tahun Sebelumnya
Previous Year Position
Tagihan Bersih Berdasarkan Wilayah
No. Kategori Portofolio
Net Receivables by Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
p q r s t u v
1 Tagihan Kepada Pemerintah - - - - 20.089.935 - -
- - - - 2.245.973 - -
2 Tagihan kepada Entitas Sektor Publik
- - - - - - -
Tagihan kepada Bank Pembangunan
3
Multilateral dan Lembaga Internasional
5 5 - - 2.484.917 - -
4 Tagihan kepada Bank
5 Tagihan berupa Covered Bond - - - - - - -
- - - - - - -
Tagihan kepada Perusahaan Efek dan
6
Lembaga Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang - - - - - - -
7 Subordinasi, Ekuitas, dan Instrumen Modal
Lainnya
1.106 50 2.952 - 4.089 - 14
8 Kredit Beragun Rumah Tinggal
- - - - - - -
9 Kredit Beragun Properti Komersial
Kredit untuk Pengadaan Tanah, Pengolahan - - - - - - -
10
Tanah, dan Konstruksi
11 Kredit Pegawai atau Pensiunan - - - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil, 530.438 980.262 123.792 41.063 518.724 788.083 625.367
12
dan Portofolio Ritel
13 Tagihan kepada Korporasi 53.739 70.652 95.527 - 13.877.476 154.924 31.702
14 Tagihan yang Telah Jatuh Tempo 20 22 - 1 1.212 115 4
15 Aset Lainnya - - - 144.144 3.258.814 - -
Total 585.308 1.050.991 222.271 185.208 42.481.141 943.122 657.087
Laporan Tahunan dan Keberlanjutan 2023
452 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Posisi Tahun Sebelumnya
Previous Year Position
Tagihan Bersih Berdasarkan Wilayah
Portfolio Category
Net Receivables by Area
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
w x y z ab ac ad af
- - - - - - - 20.089.935 Receivables from Government
- - - - - - - 2.245.973 Receivables from Public Sector
Entities
- - - - - - - - Receivables from Multilateral
Development Banks and
International Institutions
2.199 - 4 - - - - 2.487.130
Receivables from Banks
- - - - - - - - Receivables from Covered Bond
- - - - - - - - Receivables from Securities
Companies and Other Financial
Services Institutions
- - - - - - - - Receivables in the form of
Subordinated Securities, Equity and
Other Capital Instruments
- - - - - - - 8.211 Residential Property Collateralized
Loans
149 - - - - - - 149 Commercial Property Collateralized
Loans
- - - - - - - - Land Acquisition, Land Processing
and Construction Loans
- - - - - - - - Employee or Retairement Loans
419.691 383.633 536.227 391.271 - 262.780 18.790 5.620.121 Receivables from Microbusiness,
Small Business, and Retail Portfolio
93.544 9.861 72.383 46.782 - 47.313 69.338 14.623.241 Receivables from Corporations
238 330 46 9 - 14 2 2.013 Due Receivables
- - - - - - - 3.402.958 Other Assets
515.821 393.824 608.660 438.062 - 310.107 88.130 48.479.732 Total
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 456
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Net Receivables by Economic Sector
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Tagihan kepada Tagihan kepada Tagihan berupa Surat
Tagihan Bank Pembangunan Tagihan Perusahaan Efek Berharga/ Piutang
Tagihan kepada Multilateral berupa dan Lembaga Jasa Subordinasi, Ekuitas,
Tagihan
kepada Entitas dan Lembaga Covered Keuangan Lainnya dan Instrumen Modal
kepada
Pemerintah Sektor Publik Internasional Bond Receivables Lainnya
No. Sektor Ekonomi Bank
Receivables Receivables Receivables from Receivables from Securities Receivables in the
Receivables
from from Public Multilateral in the form Companies form of Subordinated
from Banks
Government Sector Development Banks of Covered and Other Securities, Equity
Entities and International Bond Financial Services and Other Capital
Institutions Institutions Instruments
a b c d e f g h i
Posisi Tanggal Laporan
Pertanian, Kehutanan dan
1 - - - - - - -
Perikanan
Pertambangan dan
2 - - - - - - -
Penggalian
3 Industri Pengolahan - - - - - - -
Pengadaan Listrik, Gas, Uap/
4 - - - - - - -
Air Panas dan Udara Dingin
Pengelolaan Air, Pengelolaan
Air Limbah, Pengelolaan dan
5 - - - - - - -
Daur Ulang Sampah, dan
Aktivitas Remediasi
6 Konstruksi - - - - - - -
Perdagangan Besar dan
Eceran; Reparasi dan
7 2.005.238 - - - - - -
Perawatan Mobil dan Sepeda
Motor
Pengangkutan dan
8 - - - - - - -
Pergudangan
Penyediaan Akomodasi dan
9 - - - - - - -
Penyediaan Makan Minum
10 Informasi dan Komunikasi 1.159.769 - - - - - -
Aktivitas Keuangan dan
11 20.992.985 2.210.968 - - 1.001.881 -
Asuransi 2.836.486
12 Real Estat - - - - - - -
Aktivitas Profesional, Ilmiah
13 - - - - - - -
dan Teknis
Aktivitas Penyewaan dan
Sewa Guna Usaha Tanpa Hak
14 Opsi, Ketenagakerjaan, Agen - - - - - - -
Perjalanan dan Penunjang
Usaha Lainnya
Administrasi Pemerintahan,
15 Pertahanan dan Jaminan - - - - - - -
Sosial Wajib
16 Pendidikan - - - - - - -
Aktivitas Kesehatan Manusia
17 - - - - - - -
dan Aktivitas Sosial
Laporan Tahunan dan Keberlanjutan 2023
454 PT. Bank Sinarmas Tbk.
Page 457
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
Kredit untuk
Kredit Kredit Kredit
Pengadaan Tanah, Tagihan kepada
Beragun Beragun Pegawai Tagihan Tagihan
Pengolahan Usaha Mikro,
Properti Properti atau kepada yang Telah Aset
Tanah, dan Usaha Kecil, dan
Rumah Tinggal Komersial Pensiunan Korporasi Jatuh Lainnya
Konstruksi Portofolio Ritel Economic Sector
Residential Commercial Employee Receivables Tempo Other
Land Acquisition, Receivables from
Property Property or from Due Assets
Land Processing Micro, Small and
Collateralized Collateralized Retirement Corporations Receivables
and Construction Retail Portfolios
Loans Loans Loans
Loans
j k l m n o p q
Agriculture, Forestry, and
- - - - 361.910 446.601 1.097 -
Fishery
Mining and Extractive
- - - - 3.583 1.011.234 - -
Industries
- - - - 136.135 457.003 1.288 - Processing Industry
Procurement of Electricity, Gas,
- - - - 3.206 - - -
Steam/Hot Water, and Cold Air
Water Management, Waste
- - - - 2.448 797 14 - Water Management, Waste
Management and Recycle
- - 95.754 - 50.462 - 260 - Construction
Wholesale and Retail Trade,
330 - - - 948.494 5.387.608 11.610 - Car and Motorcycle Repair and
Maintenance
Transportation and
- - - - 19.437 115.747 226 -
Warehousing
Provision of Accommodation
- - - - 91.706 13.625 796 -
and Foods & Beverages
Information and
- - - - 3.029 697.073 208 -
Communication
Financial and Insurance
- - - - 10.635 6.831.110 - -
Activities
- - - - 6.447 619.402 - - Real Estate
Professional, Scientific, and
- - - - 6.248 34.756 32 -
Technical Activities
Rental and Leasing Activities
Without Option Rights,
- - - - 70.126 25.154 359 -
Employment, Travel agencies,
and Other Business Supports
Government Administration,
- - - - - - - - Land Business, and Mandatory
Social Service
- - - - 6.778 8.986 20 - Education
Human Health Activities and
- - - - 5.837 - 7 -
Social Activities
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
455
Page 458
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tagihan kepada Tagihan kepada Tagihan berupa Surat
Tagihan Bank Pembangunan Tagihan Perusahaan Efek Berharga/ Piutang
Tagihan kepada Multilateral berupa dan Lembaga Jasa Subordinasi, Ekuitas,
Tagihan
kepada Entitas dan Lembaga Covered Keuangan Lainnya dan Instrumen Modal
kepada
Pemerintah Sektor Publik Internasional Bond Receivables Lainnya
No. Sektor Ekonomi Bank
Receivables Receivables Receivables from Receivables from Securities Receivables in the
Receivables
from from Public Multilateral in the form Companies form of Subordinated
from Banks
Government Sector Development Banks of Covered and Other Securities, Equity
Entities and International Bond Financial Services and Other Capital
Institutions Institutions Instruments
a b c d e f g h i
Posisi Tanggal Laporan
Kesenian, Hiburan dan
18 - - - - - - -
Rekreasi
19 Aktivitas Jasa Lainnya - - - - - - -
Aktivitas Rumah Tangga
sebagai Pemberi Kerja;
Aktivitas yang Menghasilkan
20 Barang dan Jasa oleh Rumah - - - - - - -
Tangga yang Digunakan
untuk Memenuhi Kebutuhan
Sendiri
Aktivitas Badan Internasional
21 dan Badan Ekstra - - - - - - -
Internasional Lainnya
22 Rumah Tangga - - - - - - -
Bukan Lapangan Usaha
23 - - - - - - -
Lainnya
24 Lainnya - - - - - - -
Total 24.157.992 2.210.968 - - 1.001.881 -
2.836.486
Tagihan kepada Tagihan kepada Tagihan berupa Surat
Tagihan Bank Pembangunan Tagihan Perusahaan Efek Berharga/ Piutang
Tagihan kepada Multilateral berupa dan Lembaga Jasa Subordinasi, Ekuitas,
Tagihan
kepada Entitas dan Lembaga Covered Keuangan Lainnya dan Instrumen Modal
kepada
Pemerintah Sektor Publik Internasional Bond Receivables Lainnya
No. Sektor Ekonomi Bank
Receivables Receivables Receivables from Receivables from Securities Receivables in the
Receivables
from from Public Multilateral in the form Companies form of Subordinated
from Banks
Government Sector Development Banks of Covered and Other Securities, Equity
Entities and International Bond Financial Services and Other Capital
Institutions Institutions Instruments
a b c d e f g h i
Posisi Periode Sebelumnya
Pertanian, Kehutanan dan
1 - - - - - - -
Perikanan
Pertambangan dan
2 - - - - - - -
Penggalian
3 Industri Pengolahan - - - - - - -
Pengadaan Listrik, Gas, Uap/
4 - - - - - - -
Air Panas dan Udara Dingin
Pengelolaan Air, Pengelolaan
Air Limbah, Pengelolaan dan
5 - - - - - - -
Daur Ulang Sampah, dan
Aktivitas Remediasi
6 Konstruksi - - - - - - -
Perdagangan Besar dan
Eceran; Reparasi dan
7 739.036 - - - - - -
Perawatan Mobil dan Sepeda
Motor
Laporan Tahunan dan Keberlanjutan 2023
456 PT. Bank Sinarmas Tbk.
Page 459
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Kredit untuk
Kredit Kredit Kredit
Pengadaan Tanah, Tagihan kepada
Beragun Beragun Pegawai Tagihan Tagihan
Pengolahan Usaha Mikro,
Properti Properti atau kepada yang Telah Aset
Tanah, dan Usaha Kecil, dan
Rumah Tinggal Komersial Pensiunan Korporasi Jatuh Lainnya
Konstruksi Portofolio Ritel Economic Sector
Residential Commercial Employee Receivables Tempo Other
Land Acquisition, Receivables from
Property Property or from Due Assets
Land Processing Micro, Small and
Collateralized Collateralized Retirement Corporations Receivables
and Construction Retail Portfolios
Loans Loans Loans
Loans
j k l m n o p q
Arts, Entertainment, and
- - - - 3.431 1.030 - -
Recreation
- - - - 10.917 8.443 677 - Other Service Activities
Household Activities as
4.103 - - - 2.546 - 11 -
Employer
International Organizations
- - - - - - - - and Other Extra International
Organizations Activities
3.794 142 - - 3.152.881 22.949 39.779 - Household
- - - - 115.723 38.556 - - Non-Business
- - - - - - - 3.001.980 Others
8.227 142 95.754 - 5.011.979 15.720.074 56.384 3.001.980 Total
Kredit untuk
Kredit Kredit Kredit
Pengadaan Tanah, Tagihan kepada
Beragun Beragun Pegawai Tagihan Tagihan
Pengolahan Usaha Mikro,
Properti Properti atau kepada yang Telah Aset
Tanah, dan Usaha Kecil, dan
Rumah Tinggal Komersial Pensiunan Korporasi Jatuh Lainnya
Konstruksi Portofolio Ritel Economic Sector
Residential Commercial Employee Receivables Tempo Other
Land Acquisition, Receivables from
Property Property or from Due Assets
Land Processing Micro, Small and
Collateralized Collateralized Retirement Corporations Receivables
and Construction Retail Portfolios
Loans Loans Loans
Loans
j k l m n o p q
Previous Period Position
Agriculture, Forestry, and
1.307 - - - 468.642 578.805 14 -
Fishery
Mining and Extractive
- - - - 115.502 871.830 - -
Industries
- - - - 173.063 296.768 162 - Processing Industry
Procurement of Electricity,
- - - - 670 2.832 - - Gas, Steam/Hot Water, and
Cold Air
Water Management, Waste
- - - - 3.300 231 - - Water Management, Waste
Management and Recycle
- - - - 54.366 103.374 - - Construction
Wholesale and Retail Trade,
50 - - - 1.209.307 2.616.264 435 - Car and Motorcycle Repair
and Maintenance
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
457
Page 460
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tagihan kepada Tagihan kepada Tagihan berupa Surat
Tagihan Bank Pembangunan Tagihan Perusahaan Efek Berharga/ Piutang
Tagihan kepada Multilateral berupa dan Lembaga Jasa Subordinasi, Ekuitas,
Tagihan
kepada Entitas dan Lembaga Covered Keuangan Lainnya dan Instrumen Modal
kepada
Pemerintah Sektor Publik Internasional Bond Receivables Lainnya
No. Sektor Ekonomi Bank
Receivables Receivables Receivables from Receivables from Securities Receivables in the
Receivables
from from Public Multilateral in the form Companies form of Subordinated
from Banks
Government Sector Development Banks of Covered and Other Securities, Equity
Entities and International Bond Financial Services and Other Capital
Institutions Institutions Instruments
a b c d e f g h i
Posisi Periode Sebelumnya
Pengangkutan dan
8 - 49.581 - - - - -
Pergudangan
Penyediaan Akomodasi dan
9 - - - - - - -
Penyediaan Makan Minum
10 Informasi dan Komunikasi - - - - - - -
Aktivitas Keuangan dan
11 19.350.899 2.196.392 - - - -
Asuransi 2.487.130
12 Real Estat - - - - - - -
Aktivitas Profesional, Ilmiah
13 - - - - - - -
dan Teknis
Aktivitas Penyewaan dan
Sewa Guna Usaha Tanpa Hak
14 Opsi, Ketenagakerjaan, Agen - - - - - - -
Perjalanan dan Penunjang
Usaha Lainnya
Administrasi Pemerintahan,
15 Pertahanan dan Jaminan - - - - - - -
Sosial Wajib
16 Pendidikan - - - - - - -
Aktivitas Kesehatan Manusia
17 - - - - - - -
dan Aktivitas Sosial
Kesenian, Hiburan dan
18 - - - - - - -
Rekreasi
19 Aktivitas Jasa Lainnya - - - - - - -
Aktivitas Rumah Tangga
sebagai Pemberi Kerja;
Aktivitas yang Menghasilkan
20 Barang dan Jasa oleh Rumah - - - - - - -
Tangga yang Digunakan
untuk Memenuhi Kebutuhan
Sendiri
Aktivitas Badan Internasional
21 dan Badan Ekstra - - - - - - -
Internasional Lainnya
22 Rumah Tangga - - - - - - -
Bukan Lapangan Usaha
23 - - - - - - -
Lainnya
24 Lainnya - - - - - - -
Total 20.089.935 2.245.973 - 2.487.130 - - -
Laporan Tahunan dan Keberlanjutan 2023
458 PT. Bank Sinarmas Tbk.
Page 461
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Kredit untuk
Kredit Kredit Kredit
Pengadaan Tanah, Tagihan kepada
Beragun Beragun Pegawai Tagihan Tagihan
Pengolahan Usaha Mikro,
Properti Properti atau kepada yang Telah Aset
Tanah, dan Usaha Kecil, dan
Rumah Tinggal Komersial Pensiunan Korporasi Jatuh Lainnya
Konstruksi Portofolio Ritel Economic Sector
Residential Commercial Employee Receivables Tempo Other
Land Acquisition, Receivables from
Property Property or from Due Assets
Land Processing Micro, Small and
Collateralized Collateralized Retirement Corporations Receivables
and Construction Retail Portfolios
Loans Loans Loans
Loans
j k l m n o p q
Previous Period Position
Transportation and
- - - - 23.474 68.691 - -
Warehousing
Provision of Accommodation
- - - - 110.397 5.811 - -
and Foods & Beverages
Information and
- - - - 2.684 972.638 1.192 -
Communication
Financial and Insurance
- - - - 20.863 8.275.633 - -
Activities
- - - - 1.156 130.765 - - Real Estate
Professional, Scientific, and
- - - - 4.482 59.239 - -
Technical Activities
Rental and Leasing Activities
Without Option Rights,
- - - - 55.667 349.494 - -
Employment, Travel agencies,
and Other Business Supports
Government Administration,
- - - - - - - - Land Business, and
Mandatory Social Service
- - - - 5.557 8.613 - - Education
Human Health Activities and
- - - - 7.123 150.834 - -
Social Activities
Arts, Entertainment, and
- - - - 1.513 - - -
Recreation
- - - - 14.907 12.120 - - Other Service Activities
Household Activities as
5.748 149 - - 3.088.259 71.044 204 -
Employer
International Organizations
- - - - - - - - and Other Extra International
Organizations Activities
- - - - - - - - Household
1.106 - - - 259.189 48.255 6 - Non-Business
- - - - - - - 3.402.958 Others
8.211 149 - - 5.620.121 14.623.241 2.013 3.402.958 Total
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
459
Page 462
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Net Receivables by Remaining Contact Period
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Posisi Tanggal Laporan
Report Date
Tagihan Bersih berdasarkan sisa jangka waktu kontrak
No. Kategori Portofolio
Net Receivables by Remaining Contact Period
≤ 1 tahun > 1 thn s.d. 3 thn > 3 thn s.d. 5 thn > 5 thn Non Kontraktual
Total
≤ 1 year 1 year to 3 years > 3 years to 5 years >5 years Non Contractual
a b c d e f g h
1 Tagihan kepada Pemerintah 14.821.888 810.002 - 8.526.101 - 24.157.991
2 Tagihan kepada Entitas Sektor Publik - - 48.839 2.162.129 - 2.210.968
3 Tagihan kepada Bank Pembangunan - - - - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank 2.807.808 23.311 5.367 - - 2.836.486
5 Tagihan berupa Covered Bond - - - - - -
6 Tagihan kepada Perusahaan Efek dan 700.897 94 - 300.890 - 1.001.881
Lembaga Jasa Keuangan Lainnya
7 Tagihan berupa Surat Berharga/Piutang - - - - - -
Subordinasi, Ekuitas, dan Instrumen
Modal Lainnya
8 Kredit Beragun Properti Rumah Tinggal 1.755 - 877 5.596 - 8.228
9 Kredit Beragun Properti Komersial - - - 142 - 142
10 Kredit untuk Pengadaan Tanah, 94.541 1.213 - - - 95.754
Pengolahan Tanah, dan Konstruksi
11 Kredit Pegawai atau Pensiunan - - - - - -
12 Tagihan kepada Usaha Mikro, Usaha 488.163 2.956.556 1.393.135 174.125 - 5.011.979
Kecil, dan Portofolio Ritel
13 Tagihan kepada Korporasi 3.921.056 2.699.422 304.371 8.795.225 - 15.720.074
14 Tagihan yang Telah Jatuh Tempo 9.149 32.546 13.185 1.504 - 56.384
15 Aset Lainnya - - - - 3.001.980 3.001.980
Total 22.845.257 6.523.144 1.765.774 19.965.712 3.001.980 54.101.866
Laporan Tahunan dan Keberlanjutan 2023
460 PT. Bank Sinarmas Tbk.
Page 463
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
Posisi Tanggal Laporan Tahun Sebelumnya
Report Date
Tagihan Bersih berdasarkan sisa jangka waktu kontrak
Portfolio Category
Net Receivables by Remaining Contact Period
≤ 1 tahun > 1 thn s.d. 3 thn > 3 thn s.d. 5 thn > 5 thn Non Kontraktual
Total
≤ 1 year 1 year to 3 years > 3 years to 5 years >5 years Non Contractual
i j k l m n
10.019.759 868.604 30.435 9.171.137 - 20.089.935 Receivables from Government
49.580 - - 2.196.393 - 2.245.973 Receivables from Public Sector Entities
- - - - - - Receivables from Multilateral Development
Banks and International Institutions
2.473.892 5.956 7.282 - - 2.487.130 Receivables from Banks
- - - - - - Receivables in the form of Covered Bond
- - - - - - Receivables from Securities Companies and
Other Financial Services Institutions
- - - - - - Receivables in the form of Subordinated
Securities/Receivables, Equity and Other
Capital Instruments
14 2.330 1.457 4.410 - 8.211 Residential Property Collateralized Loans
- - - 149 - 149 Commercial Property Collateralized Loans
- - - - - - Construction
- - - - - - Employee/ Retirement Loans
481.831 3.182.785 1.673.919 281.586 - 5.620.121 Receivables from Microbusiness, Small
Business, and Retail Portfolio
3.785.755 2.123.824 1.024.667 7.688.995 - 14.623.241 Receivables from Corporations
1.788 - - 225 - 2.013 Due Receivables
- - - - 3.402.958 3.402.958 Other Assets
16.812.619 6.183.499 2.737.760 19.342.895 3.402.958 48.479.732 Total
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
461
Page 464
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Receivables and Allowances by Area
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Posisi Tanggal Laporan
Report Date
Wilayah
No. Keterangan
Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
a b c d e f g h i
1 Tagihan 760.512 1.190.994 406.127 56.840 50.817.831 3 595.088
2 Tagihan yang Mengalami Penurunan Nilai 96.694 130.193 17.653 - 629.928 157.323 83.930
a. Belum Jatuh Tempo 88.948 116.340 17.653 - 621.049 137.822 73.080
b. Telah Jatuh Tempo 7.746 13.853 - - 8.879 19.501 10.850
3 CKPN - Stage 1 138 81 54 83 331.192 - -
4 CKPN - Stage 2 4.005 7.472 3.235 - 296.813 7.879 5.209
5 CKPN - Stage 3 3.685 6.465 1.310 - 154.598 10.018 6.043
6 Tagihan yang Dihapus Buku 106.423 70.582 74.501 27.355 5.135.050 129.732 76.494
Posisi Tahun Sebelumnya
Position of the Previous Year’s Report Date
Wilayah
No. Keterangan
Area
Wilayah-01 Wilayah-02 Wilayah-03 Wilayah-04 Wilayah-05 Wilayah-06 Wilayah-07
Region-01 Region-02 Region-03 Region-04 Region-05 Region-06 Region-07
r s t u v w x
1 Tagihan 592.992 1.064.029 229.176 185.439 44.580.495 3 679.168
2 Tagihan yang Mengalami Penurunan Nilai 72.623 92.846 10.831 6.655 2.135.310 123.039 72.224
a. Belum Jatuh Tempo 72.584 92.807 10.831 6.653 2.133.154 122.834 72.216
b. Telah Jatuh Tempo 39 39 - 2 2.156 205 8
3 CKPN - Stage 1 6.904 2.056 1.142 166 446.769 2.371 1.377
4 CKPN - Stage 2 2.381 3.171 2.014 60 649.685 6.424 4.504
5 CKPN - Stage 3 2.832 5.941 2.952 109 827.028 9.376 6.012
6 Tagihan yang Dihapus Buku 109.670 65.767 47.738 26.332 4.389.162 129.454 68.432
Laporan Tahunan dan Keberlanjutan 2023
462 PT. Bank Sinarmas Tbk.
Page 465
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
Posisi Tanggal Laporan
Report Date
Wilayah
Description
Area
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
j k l m n o p q
709.715 408.305 615.274 459.386 - 476.792 274.049 57.415.506 Receivables
Claims with Increased and
84.021 96.172 177.873 77.990 - 50.686 731 1.603.194
Worsening Credit Risk
74.945 86.930 167.456 73.385 - 43.525 340 1.501.473 a. Not Due
9.076 9.242 10.417 4.605 - 7.161 391 101.721 b. Due
- - - - - - - 331.548 CKPN - Stage 1
4.235 4.380 9.119 2.953 - 2.054 11 347.365 CKPN - Stage 2
4.317 4.693 5.000 2.235 - 3.375 182 201.920 CKPN - Stage 3
41.778 31.490 56.677 32.878 637 65.296 5.226 5.854.119 Receivables Written Off
Posisi Tahun Sebelumnya
Position of the Previous Year’s Report Date
Wilayah
Description
Area
Wilayah-08 Wilayah-09 Wilayah-10 Wilayah-11 Wilayah-12 Wilayah-13 Wilayah-14
Total
Region-08 Region-09 Region-10 Region-11 Region-12 Region-13 Region-14
y aa ab ac ad ae af ag
540.289 405.243 628.422 441.972 - 321.566 89.530 50.721.903 Receivables
68.326 65.016 126.533 47.343 104 41.936 522 2.863.308 Claims with Increased and
Worsening Credit Risk
67.903 64.424 126.445 47.326 104 41.909 518 2.859.708 a. Not Due
423 592 88 17 - 27 4 3.600 b. Due
1.341 1.987 3.095 1.271 - 953 - 469.433 CKPN - Stage 1
2.605 2.905 9.376 1.256 - 2.187 17 686.586 CKPN - Stage 2
6.780 3.309 - 1.384 - 2.595 168 868.487 CKPN - Stage 3
42.378 31.025 64.209 33.849 643 65.651 5.816 5.080.127 Receivables Written Off
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
463
Page 466
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Receivables and Allowances by Economic Sector
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Tagihan yang Mengalami Penurunan Nilai
Tagihan Impaired Receivables
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Telah Jatuh Tempo
Not yet matured Matured
a b c d e
Posisi Tanggal Laporan
1 Pertanian, Kehutanan dan Perikanan 813.800 6.096 3.049
2 Pertambangan dan Penggalian 1.014.904 147 -
3 Industri Pengolahan 685.963 78.231 3.212
4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin 3.359 - -
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan
5 7.467 - -
Daur Ulang Sampah, dan Aktivitas Remediasi
6 Konstruksi 374.749 1.887 485
Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil
7 9.810.355 462.453 18.928
dan Sepeda Motor
8 Pengangkutan dan Pergudangan 427.844 264 389
9 Penyediaan Akomodasi dan Penyediaan Makan Minum 113.277 14.066 1.375
10 Informasi dan Komunikasi 1.873.999 1.986 369
11 Aktivitas Keuangan dan Asuransi 34.539.307 - -
12 Real Estate 628.593 279 -
13 Aktivitas Profesional, Ilmiah dan Teknis 82.411 - 57
Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,
14 163.593 1.817 636
Ketenagakerjaan, Agen Perjalanan dan Penunjang Usaha Lainnya
15 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib - - -
16 Pendidikan 15.817 - 36
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 153.842 98 -
18 Kesenian, Hiburan dan Rekreasi 4.462 - -
19 Aktivitas Jasa Lainnya 25.319 524 1.200
Aktivitas Rumah Tangga sebagai Pemberi Kerja; Aktivitas yang
20 Menghasilkan Barang dan Jasa oleh Rumah Tangga yang 6.660 - -
Digunakan untuk Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan Badan Ekstra Internasional
21 - - -
Lainnya
22 Rumah Tangga 3.314.778 933.209 71.986
23 Bukan Lapangan Usaha Lainnya 318.421 416 -
24 Lainnya 3.036.586 - -
Total 57.415.506 1.501.473 101.721
Laporan Tahunan dan Keberlanjutan 2023
464 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
CKPN Stage 1 CKPN Stage 2 CKPN Stage 3 Tagihan yang
Allowance for Allowance for Allowance for Dihapus Buku
Economic Sector
Impairment Impairment Impairment Amounts
Losses Stage 1 Losses Stage 2 Losses Stage 3 written-off
f g h i
Report Date
13 1.356 1.967 12.760 Agriculture, Forestry, and Fishery
- 25 - 56.449 Mining and Extractive Industries
- 1.589 2.527 23.068 Processing Industry
Procurement of Electricity, Gas, Steam/Hot Water, and
- - - -
Cold Air
Water Management, Waste Water Management, Waste
- 5 - -
Management and Recycle
- 412 335 56.570 Construction
Wholesale and Retail Trade; Car and Motorcycle Repair
331.233 275.364 9.328 2.904.661
and Maintenance
- 322 169 2.264 Transportation and Warehousing
8 525 1.816 99.884 Provision of Accommodation and Foods & Beverages
- 7.790 1.026 2.721 Information and Communication
- - 72 241.994 Financial and Insurance Activities
- 59 - 667.103 Real Estate
- - 25 1.960 Professional, Scientific, and Technical Activities
Leasing and Leasing Activities without Option Rights,
- 161 277 707.365 Employment, Travel agencies, and
Other Business Supports
Government Administration, Land Business, and
- - - -
Mandatory Social Service
2 - 16 - Education
1 28 147.969 517 Human Health Activities and Social Activities
- - - 285.194 Arts, Entertainment, and Recreation
- 160 523 582 Other Service Activities
- - - 10.273 Household Activities as Employer
International Organizations and Other Extra
- - - -
International Organizations Activities
291 59.381 35.847 346.144 Household
- 187 25 434.610 Non-Business
- - - - Others
331.548 347.365 201.920 5.854.119 Total
2023 Annual and Sustainability Report
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Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tagihan yang Mengalami Penurunan Nilai
Tagihan Impaired Receivables
No. Sektor Ekonomi
Receivables Belum Jatuh Tempo Telah Jatuh Tempo
Not yet matured Matured
a b c d e
Posisi Periode Sebelumnya
1 Pertanian, Kehutanan dan Perikanan 1.053.867 6.013 25
2 Pertambangan dan Penggalian 996.007 38 -
3 Industri Pengolahan 489.348 98.798 287
4 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin 3.672 801 -
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan
5 3.540 - -
Daur Ulang Sampah, dan Aktivitas Remediasi
6 Konstruksi 165.489 2.033 -
Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil
7 5.437.522 695.552 770
dan Sepeda Motor
8 Pengangkutan dan Pergudangan 143.211 359.342 -
9 Penyediaan Akomodasi dan Penyediaan Makan Minum 154.985 41.460 -
10 Informasi dan Komunikasi 977.470 425 2.111
11 Aktivitas Keuangan dan Asuransi 32.797.713 - -
12 Real Estate 309.639 175.000 -
13 Aktivitas Profesional, Ilmiah dan Teknis 67.614 76 -
Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,
14 848.007 777.314 -
Ketenagakerjaan, Agen Perjalanan dan Penunjang Usaha Lainnya
15 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib - - -
16 Pendidikan 14.577 51 -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 157.987 926 -
18 Kesenian, Hiburan dan Rekreasi 1.513 - -
19 Aktivitas Jasa Lainnya 29.390 1.414 -
Aktivitas Rumah Tangga sebagai Pemberi Kerja; Aktivitas yang
20 Menghasilkan Barang dan Jasa oleh Rumah Tangga yang 3.242.933 668.370 400
Digunakan untuk Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional dan Badan Ekstra Internasional
21 - 16 -
Lainnya
22 Rumah Tangga - - -
23 Bukan Lapangan Usaha Lainnya 409.626 127 7
24 Lainnya 3.417.793 31.952 -
Total 50.721.903 2.859.708 3.600
Laporan Tahunan dan Keberlanjutan 2023
466 PT. Bank Sinarmas Tbk.
Page 469
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
CKPN Stage 1 CKPN Stage 2 CKPN Stage 3 Tagihan yang
Allowance for Allowance for Allowance for Dihapus Buku
Economic Sector
Impairment Impairment Impairment Amounts
Losses Stage 1 Losses Stage 2 Losses Stage 3 written-off
f g h i
Position of the Previous Year’s Report Date
43.160 619 866 3.751 Agriculture, Forestry, and Fishery
- - 8.489 65.482 Mining and Extractive Industries
6.235 1.212 994 19.786 Processing Industry
Procurement of Electricity, Gas, Steam/Hot Water, and
- - - -
Cold Air
Water Management, Waste Water Management, Waste
- - 9 102
Management and Recycle
257 1 164 71.098 Construction
Wholesale and Retail Trade; Car and Motorcycle Repair
309.407 652.573 171.962 2.553.872
and Maintenance
5.251 92 328 85 Transportation and Warehousing
75 823 36.900 70.648 Provision of Accommodation and Foods & Beverages
1 38 918 2.777 Information and Communication
- 18 - 581.407 Financial and Insurance Activities
27.862 - 175.000 493.222 Real Estate
1 - 33 274 Professional, Scientific, and Technical Activities
Leasing and Leasing Activities without Option Rights,
21 1 442.741 21.353 Employment, Travel agencies, and
Other Business Supports
Government Administration, Land Business, and
- - - -
Mandatory Social Service
- 11 - 413 Education
60.000 - - 536 Human Health Activities and Social Activities
1 - - 285.194 Arts, Entertainment, and Recreation
1 341 102 121 Other Service Activities
16.751 30.711 29.648 388.205 Household Activities as Employer
International Organizations and Other Extra
- - - -
International Organizations Activities
- - - - Household
410 145 332 521.800 Non-Business
- - - - Others
469.433 686.586 868.486 5.080.127 Total
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 470
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tagihan Berdasarkan Hari Tunggakan
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Receivables by Due Date
Report Period : December 2023
(1) Bank secara Individu
Bank Individually (dalam jutaan rupiah / in Rp million)
Posisi Tanggal Laporan
Report Date
Jenis Eksposur Tagihan Berdasarkan Hari Tunggakan
No.
Exposure Type Receivables by Due Date
> 90 hari s.d. 120 hari > 120 hari s.d. 180 hari > 180 hari hari
Total
> 90 days to 120 days > 120 days to 180 days > 180 days
a b c d e f
Kredit yang termasuk dalam Tagihan
1 yang Telah Jatuh Tempo 52.908 20.716 32.620 106.244
Loan included in Due Receivables
Surat Berharga yang termasuk dalam
2 Tagihan yang Telah Jatuh Tempo - - - -
Securities Included in Due Receivables
Total 52.908 20.716 32.620 106.244
Posisi Tanggal Laporan Tahun Sebelumnya
Position of the Previous Year’s Report Date
Jenis Eksposur Tagihan Berdasarkan Hari Tunggakan
No.
Exposure Type Receivables by Due Date
> 90 hari s.d. 120 hari > 120 hari s.d. 180 hari > 180 hari
Total
> 90 days to 120 days > 120 days to 180 days > 180 days
a b g h i j
Kredit yang termasuk dalam Tagihan
1 yang Telah Jatuh Tempo 141 79 3.379 3.599
Loan included in Due Receivables
Surat Berharga yang termasuk dalam
2 Tagihan yang Telah Jatuh Tempo - - - -
Securities Included in Due Receivables
Total 141 79 3.379 3.599
Laporan Tahunan dan Keberlanjutan 2023
468 PT. Bank Sinarmas Tbk.
Page 471
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Tambahan terkait Perlakuan terhadap Aset Bermasalah (CRB-A)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Additional Disclosures regarding Treatment of Non-Performing Assets (CRB-A)
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Analisa Kualitatif Qualitative Analysis
Aset Non-performing adalah aset produktif sebagaimana diatur dalam Non-performing Assets are productive assets as regulated in Financial Services
Peraturan Otoritas Jasa Keuangan No.40/POJK.03/2019 tentang Penilaian Authority Regulation No. 40/POJK.03/2019 regarding the Assessment
Kualitas Aset Bank Umum, dan memiliki kualitas aset Kurang Lancar, of the Quality of Assets of Commercial Banks and have the qualities of
Diragukan, dan Macet. Kredit korporasi adalah tagihan kepada korporasi Substandard, Doubtful, and Loss assets. Corporate credits refer to debts
berupa pinjaman atau surat utang kepada korporasi termasuk tagihan kepada owed to corporations in the form of loans or corporate bonds, including
perusahaan asuransi sesuai dengan Ketentuan SEOJK No.24/SEOJK.03/2021, receivables to insurance companies in accordance with the provisions of
sedangkan untuk kredit ritel adalah tagihan selain kepada korporasi. SEOJK No. 24/SEOJK.03/2021, while retail credits are receivables other than
those owed to corporations.
Restrukturisasi Kredit/Pembiayaan adalah upaya perbaikan yang dilakukan oleh Credit/Financing Restructuring is an improvement effort carried out by the
Bank kepada Debitur/Nasabah yang mengalami kesulitan untuk memenuhi Bank for Debtors/Clients who are experiencing difficulties in fulfilling their
kewajibannya (pembayaran pokok dan/atau bunga/margin/bagi hasil/ujrah) obligations (principal and/or interest/margin/profit-sharing/ujrah) as long as
sepanjang Debitur/Nasabah yang bersangkutan masih memiliki prospek the respective Debtors/Clients still have good business prospects and are
usaha yang baik dan dinilai mampu memenuhi kewajiban setelah Kredit/ deemed capable of meeting obligations after the Credit/Financing has been
Pembiayaan direstrukturisasi. Selain itu terdapat Restrukturisasi Covid-19, restructured. Additionally, there is Covid-19 Restructuring, which is a special
yakni penanganan khusus kepada debitur/nasabah yang mengalami kesulitan treatment for Debtors/Clients experiencing difficulties in meeting obligations
untuk memenuhi kewajiban pada Bank karena usahanya terkena dampak to the Bank due to their business being affected by the spread of COVID-19
dari penyebaran COVID-19 baik secara langsung ataupun tidak langsung either directly or indirectly but still have business prospects, thus still having
namun masih memiliki prospek usaha sehingga masih memiliki kemampuan the ability to pay obligations.”
membayar kewajiban.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 472
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Aset Performing dan Non Performing
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Performing and Non-Performing Assets
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Non Performing
(Kualitas KL, D, M / Quality KL, D, M)
Performing
(Kualitas L dan DPK / Quality L and DPK) Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Nilai Tercatat CKPN Nilai Tercatat CKPN
Bruto Allowance for Bruto Allowance for
Gross Impairment Losses Gross Impairment Losses
a b c d
1 Surat Berharga 17.877.655 - 475.321 -
2 Kredit 17.060.451 1.483.841 263.158 202.405
a. Korporasi 9.024.862 1.101.265 3.093 1.348
b. Ritel 8.035.589 382.576 260.065 201.057
3 Transaksi Rekening Administratif 3.731.623 - 50 -
4 Penempatan 14.943.160 - - -
5 Aset Lainnya 3.001.980 - - -
6 Derivatif selain Kredit 62.108 - - -
Laporan Tahunan dan Keberlanjutan 2023
470 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
Non Performing
(Kualitas KL, D, M / Quality KL, D, M)
Tagihan yang Tidak Mengalami Penurunan Nilai
Non Impaired Receivables
Memiliki Tunggakan > 90 Hari Memiliki Tunggakan ≤ 90 Hari
> 90 days past due ≤ 90 days past due
Nilai Tercatat CKPN Nilai Tercatat CKPN
Bruto Allowance for Bruto Allowance for
Gross Impairment Losses Gross Impairment Losses
e f g h
Securities
Loans
a. Corporate
b. Retail
Administrative Account Transactions
Placement
Other Assets
Derivatives other than Credit
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 474
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Aset Restrukturisasi Performing dan Non-Performing
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Performing and Non-Performing Restructuring Assets
Report Period :December 2023
(1) Bank secara Individu
Bank Individually
Performing Non Performing
(Kualitas L dan DPK / Quality L and DPK) (Kualitas KL, D, M / Quality KL, D, M)
Nilai Tercatat CKPN Nilai Tercatat CKPN
Bruto Allowance for Bruto Allowance for
Gross Impairment Losses Gross Impairment Losses
a b c d
1 Surat Berharga - - - -
2 Kredit 1.404.948 286.782 27.306 12.473
a. Korporasi 1.175.790 277.259 1.179 513
b. Ritel 229.158 9.523 26.127 11.960
3 Transaksi Rekening Administratif 1.656 - - -
4 Penempatan - - - -
5 Aset Lainnya - - - -
6 Derivatif selain Kredit - - - -
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
Stage 1 Stage 2 Stage 3
Nilai Tercatat CKPN Nilai Tercatat CKPN Nilai Tercatat CKPN
Bruto Allowance for Bruto Allowance for Bruto Allowance for
Gross Impairment Losses Gross Impairment Losses Gross Impairment Losses
e f g h i j
- - - - - - Securities
582.271 368.138 823.687 283.959 28.393 12.473 Loans
459.362 366.451 716.429 275.934 1.179 513 a. Corporate
122.908 1.686 107.258 8.025 27.214 11.960 b. Retail
Administrative Account
- - - - - -
Transactions
- - - - - - Placement
- - - - - - Other Assets
Derivatives other than
- - - - - -
Credit
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 476
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Kualitatif terkait Teknik MRK (CRC)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Qualitative Disclosures related to MRK Techniques (CR3)
Report Period :December 2023
(1) Bank secara Individu
Bank Individually
Analisa Kualitatif Qualitative Analysis
Manajemen agunan yang diterapkan di Bank, termasuk penilaian agunan secara The collateral management implemented by the Bank, including periodic
berkala, diatur pada ketentuan masing-masing produk sesuai segmentasi yang collateral assessments, is regulated according to the provisions of each
terdapat di Bank. Bank juga memiliki ketentuan terkait pelaksanaan penilaian product based on the Bank’s segmentation. The Bank also has provisions
agunan dan metode serta pendekatan penilaian berdasarkan Standar Penilaian regarding the implementation of collateral assessment and methods and
Indonesia (SPI) dan Kode Etik Penilai Indonesia (KEPI). approaches to assessment based on the Indonesian Valuation Standards (SPI)
and the Indonesian Valuers Code of Ethics (KEPI).
Bank secara Individu memiliki tagihan yang tidak dijamin dengan teknik Individually, the Bank has unsecured receivables with an MRK technique
MRK sebesar Rp 28,440,921 (dalam jutaan rupiah) dan memiliki tagihan amounting to Rp28,440,921 (in millions of Indonesian Rupiah) and has
yang dijamin dengan teknik MRK sebesar Rp 28,425,301 (dalam jutaan receivables secured with an MRK technique amounting to Rp28,425,301
rupiah). Teknik MRK - Agunan dilakukan dengan cara mengurangi nilai (in millions of Indonesian Rupiah). The MRK - Collateral technique is
tagihan bersih dengan nilai agunan, dimana faktor pengurang ATMR Kredit performed by subtracting the net receivable value from the collateral value,
pada Bank adalah agunan berupa cash collateral, sehingga bobot risiko where the reducing factor of the ATMR Credit at the Bank is collateral in the
sebesar 100%. form of cash collateral, resulting in a risk weight of 100%.
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Pengungkapan Penggunaan Peringkat Kredit External (CRD)
Disclosure of the Use of External Credit Ratings (CRD)
a. Format Laporan Report Format
Lembaga pemeringkat yang digunakan adalah Pemeringkat Efek Indonesia The rating agencies used are the Indonesian Securities Rating Agency
(Pefindo) dan Fitch Ratings Indonesia untuk entitas lokal. Sedangkan (Pefindo) and Fitch Ratings Indonesia for local entities. Meanwhile, for foreign
untuk entitas asing menggunakan rating atau peringkat yang dikeluarkan entities, ratings issued by rating agencies such as Standard & Poor’s (S&P),
oleh lembaga pemeringkat Standar and Poor’s (S&P), Fitch Ratings, atau Fitch Ratings, or Moody’s Investor Service are used. This is in accordance
Moody’s Investor Service. Hal tersebut sesuai SEOJK no.37/SEOJK.03/2016 with Financial Services Authority Regulation No. 37/SEOJK.03/2016
tentang “Lembaga Pemeringkat dan Peringkat yang diakui Otoritas Jasa regarding “Rating Agencies and Ratings Recognized by the Financial Services
Keuangan”, yaitu : Authority”, which states:
Portofolio yang menggunakan peringkat adalah portofolio surat utang The portfolio that utilizes ratings consists of debt securities portfolios
berupa obligasi dan sukuk, serta Medium Term Notes (MTN) yang such as bonds and sukuk, as well as Medium Term Notes (MTNs) issued
diterbitkan oleh entitas. by entities.
Tidak ada proses yang digunakan untuk mentransfer peringkat pihak There is no process used to transfer counterparty ratings to bond ratings
lawan ke peringkat surat berharga ke dalam aset yang sebanding dengan within assets that are comparable to the banking book because it is
banking book karena dilakukan sesuai dengan pemetaan peringkat carried out in accordance with the rating mapping based on information
berdasarkan informasi dari OJK, yaitu : from OJK, namely:
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Page 478
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Kuantitatif terkait Teknik MRK (CR3)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Quantitative Disclosures related to MRK Techniques (CR3)
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Tagihan yang Tidak Dijamin Tagihan yang Dijamin dengan
dengan Teknik MRK Teknik MRK
Receivables not Guaranteed by Receivables Guaranteed by MRK
MRK Technique Technique
a b
1 Kredit 13.671.413 3.046.527
2 Surat Berharga 8.340.151 10.012.824
3 Penempatan 2 14.943.160
4 Aset Lainnya 3.001.980 -
5 Derivatif selain Kredit 3.370.991 422.790
6 Total 28.384.537 28.425.301
7 Kredit dan Surat Berharga yang Telah Jatuh Tempo 56.384 -
(2) Pengungkapan Tambahan
Perubahan Nilai Kuantitatif terkait Teknik MRK disebabkan adanya metode perhitungan baru mengacu pada SEOJK Nomor 24/SEOJK.03/2021
Tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Standar Bagi Bank Umum
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
Tagihan yang Dijamin Tagihan yang Dijamin
Receivables Guaranteed with dengan Derivatif Kredit
Agunan Garansi Asuransi Kredit Lainnya Receivables Guaranteed
Collateral Guaranteed Insurance Credit Others with Credit Derivatives
c d e f g
3.046.527 - - - Loans
10.012.824 - - - Securities
14.943.160 - - - Placement
- - - - Other Assets
422.790 - - - Derivatives other than Credit
28.425.301 - - - Total
- - - - Due Loans and Securities
(2) Additional Disclosure
Changes in Quantitative Value related to the MRK Technique are due to the adoption of a new calculation method in accordance with Financial
Services Authority Regulation No. 24/SEOJK.03/2021 Regarding the Calculation of Risk-Weighted Assets for Credit Risk Using the Standardized
Approach for Commercial Banks.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
477
Page 480
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik MRK (CR4)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Credit Risk Exposure and Impact of MRK Techniques (CR4)
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Tagihan Bersih Sebelum Penerapan Tagihan Bersih Setelah Penerapan FKK
FKK dan Teknik MRK dan Teknik MRK
Net Receivables Before the Application Net Receivables After the Application
of FKK and MRK Technique of FKK and MRK Technique
Kategori Portofolio
Laporan Posisi TRA Laporan Posisi TRA
Keuangan Administrative Keuangan Administrative
Financial Account Financial Account
Statement Position Transactions Statement Position Transactions
a b c d
1 Tagihan kepada Pemerintah 22.998.222 1.159.769 22.998.222 1.159.769
2 Tagihan kepada Entitas Sektor Publik 2.210.968 - 2.210.968 -
Tagihan kepada Bank Pembangunan Multilateral dan
3 - - - -
Lembaga Internasional
4 Tagihan kepada Bank 2.836.486 - 2.836.486 -
Tagihan kepada Perusahaan Efek dan Lembaga Jasa
989.539 56.003 989.539 12.341
Keuangan Lain1)
5 Tagihan berupa Covered Bond - - - -
6 Tagihan kepada Korporasi - Eksposur Korporasi Umum 2) 14.986.261 3.069.507 14.986.261 733.813
Tagihan kepada perusahaan efek dan lembaga jasa
- - - -
keuangan lain3)
Eksposur Pembiayaan Khusus4) - - - -
Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas,
7 - - - -
dan Instrumen Modal Lainnya
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 4.899.795 283.247 4.899.795 112.184
9 Kredit Beragun Properti - - - -
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya
8.228 - 8.228 -
Tidak Bergantung Secara Material pada Arus Kas Properti
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya
- - - -
Bergantung Secara Material pada Arus Kas Properti
Kredit Beragun Properti Komersial yang Pembayarannya
142 - 142 -
Tidak Bergantung Secara Material pada Arus Kas Properti
Kredit Beragun Properti Komersial yang Pembayarannya
- - - -
Bergantung Secara Material pada Arus Kas Properti
Kredit Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi 66.638 243.053 66.638 29.116
10 Tagihan yang Telah Jatuh Tempo 56.384 - 56.384 -
11 Aset Lainnya 3.001.980 - 3.001.980 -
12 Total 52.054.642 4.811.579 52.054.644 2.047.223
(2) Pengungkapan Tambahan
Perubahan Nilai Eksposur Risiko Kredit dan Dampak Teknik MRK disebabkan adanya metode perhitungan baru mengacu pada SEOJK
Nomor 24/SEOJK.03/2021 Tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Standar Bagi
Bank Umum, dimana Bank menggunakan Cadangan Kerugian Penurunan Nilai (CKPN) sebagai pengurang tagihan dan dikenakan Faktor Konversi Kredit
(FKK) untuk Transaksi Rekening Administratif (TRA) serta menggunakan teknik Mitigasi Risiko Kredit (MRK) sebagai pengurang Aset Tertimbang Menurut
Risiko (ATMR).
Laporan Tahunan dan Keberlanjutan 2023
478 PT. Bank Sinarmas Tbk.
Page 481
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
ATMR dan Rata-rata Bobot Risiko
RWA and Average Risk Weight
Portfolio Category
Persentase Rata-rata Bobot Risiko
ATMR (e/(c+d))
Risk Weighted Assets (RWA) Average Risk Weighting
(e/(c+d))
e f
- 0,00% Receivables from Government
1.344.360 60,80% Receivables from Public Sector Entities
Receivables from Multilateral Development Banks and International
- 0,00%
Institutions
7.164 0,25% Receivables from Banks
Receivables from Securities Companies and Other Financial Services
620.411 61,92%
Institutions1)
- 0,00% Receivables in the form of Covered Bond
11.682.434 74,32% Receivables from Corporations - General Corporate Exposure 2)
Receivables from Securities Companies and Other Financial Services
- 0,00%
Institutions3)
- 0,00% Special Financing Exposure4)
Receivables in the form of Subordinated Securities/Receivables,
- 0,00%
Equity and Other Capital Instruments
3.698.971 73,80% Receivables from Microbusiness, Small Business, and Retail Portfolio
- 0,00% Property Collateralized Loans
Residential Property Collateralized Loans which the Payments Are
12.342 150,00%
Not Materially Dependent on Property Cash Flow
Residential Property Collateralized Loans which the Payments Are
- 0,00%
Materially Dependent on Property Cash Flow
Commercial Property Collateralized Loans which the Payments Are
213 150,00%
Not Materially Dependent on Property Cash Flow
Commercial Property Collateralized Loans which the Payments Are
- 0,00%
Materially Dependent on Property Cash Flow
122.476 127,91% Land Acquisition, Land Processing, and Construction Loans
56.546 100,29% Due Receivables
2.632.629 87,70% Other Assets
20.177.544 37,30% Total
(2) Additional Disclosure
Changes in the Value of Credit Risk Exposure and the Impact of the MRK Technique are due to the adoption of a new calculation method in
accordance with Financial Services Authority Regulation No. 24/SEOJK.03/2021 Regarding the Calculation of Risk-Weighted Assets for Credit Risk
Using the Standardized Approach for Commercial Banks, wherein the Bank utilizes the Allowance for Impairment Losses (CKPN) as a deduction from
receivables and applies the Credit Conversion Factor (FKK) for Administrative Account Transactions (TRA) and uses the Credit Risk Mitigation (MRK)
technique as a deduction from Risk-Weighted Assets (RWA).
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
479
Page 482
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Eksposur berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Exposure by Asset Class and Risk Weight (CR5)
Report Period : December 2023
(1) Bank secara Individu
Bank Individually
Kategori Portofolio 0% 10% 15% 20% 25% 30% 35%
1 Tagihan kepada Pemerintah 24.157.992 -
2 Tagihan kepada Entitas Sektor Publik 788.150
Tagihan kepada Bank Pembangunan
3 - - -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank 2.833.676 -
Tagihan kepada Perusahaan Efek dan
- -
Lembaga Jasa Keuangan Lain1)
5 Tagihan berupa Covered Bond - - - - -
6 Tagihan kepada Korporasi Umum2) 2.435.845
Tagihan kepada perusahaan efek dan
-
lembaga jasa keuangan lain3)
Eksposur Pembiayaan Khusus4) -
Tagihan berupa Surat Berharga/Piutang
7 Subordinasi, Ekuitas, dan Instrumen Modal
Lainnya
Tagihan kepada Usaha Mikro, Usaha Kecil,
8
dan Portofolio Ritel
9 Kredit Beragun Properti - - - - -
Kredit Beragun Properti Rumah Tinggal
yang Pembayarannya Tidak Bergantung - - - -
Secara Material pada Arus Kas Properti
tanpa pendekatan pembagian kredit5) - - - -
dengan menggunakan pendekatan
-
pembagian kredit (dijamin)5)
dengan menggunakan pendekatan
- - -
pembagian kredit (dijamin)5)
Kredit Beragun Properti Rumah Tinggal
yang Pembayarannya Bergantung Secara - -
Material pada Arus Kas Properti
Kredit Beragun Properti Komersial yang
Pembayarannya Tidak Bergantung Secara - - -
Material pada Arus Kas Properti
tanpa pendekatan pembagian kredit5) - - -
dengan menggunakan pendekatan
pembagian kredit (dijamin)5)
dengan menggunakan pendekatan
- - -
pembagian kredit ( dijamin)5)
Kredit Beragun Properti Komersial yang
Pembayarannya Bergantung Secara
Material pada Arus Kas Properti
Kredit Pengadaan Tanah, Pengolahan
Tanah, dan Konstruksi5)
10 Tagihan yang Telah Jatuh Tempo
11 Aset Lainnya 388.103 -
Laporan Tahunan dan Keberlanjutan 2023
480 PT. Bank Sinarmas Tbk.
Page 483
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
(dalam jutaan rupiah / in Rp million)
40% 45% 50% 60% 65%5) 70% 75% Portfolio Category
- Receivables from Government
947.497 Receivables from Public Sector Entities
Receivables from Multilateral Development
-
Banks and International Institutions
- 2.810 - Receivables from Banks
- Receivables from Securities Companies
802.190 -
and Other Financial Services Institutions1)
- Receivables in the form of Covered Bond
79.828 Receivables from Corporations - General
1.510.732 -
Corporate Exposure 2)
- Receivables from Securities Companies
- -
and Other Financial Services Institutions3)
- - Special Financing Exposure4)
Receivables in the form of Subordinated
Securities/Receivables, Equity and Other
Capital Instruments
4.940.287 Receivables from Microbusiness, Small
-
Business, and Retail Portfolio
- - - - - - - Property Collateralized Loans
- Residential Property Collateralized Loans
- - - - which the Payments Are Not Materially
Dependent on Property Cash Flow
- - - - - Without a Credit-Sharing Approach5)
Using the Credit-Sharing Approach
(Guaranteed)5)
- Using the Credit-Sharing Approach
- - -
(Guaranteed)5)
- Residential Property Collateralized Loans
- - which the Payments Are Materially
Dependent on Property Cash Flow
- Commercial Property Collateralized Loans
- - - - which the Payments Are Not Materially
Dependent on Property Cash Flow
- - - Without a Credit-Sharing Approach5)
Using the Credit-Sharing Approach
-
(Guaranteed)5)
- Using the Credit-Sharing Approach
- - -
(Guaranteed)5)
Commercial Property Collateralized
- Loans which the Payments Are Materially
Dependent on Property Cash Flow
Land Acquisition, Land Processing, and
Construction Loans
3.250 Due Receivables
Other Assets
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
481
Page 484
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Kategori Portofolio 80% 85% 90% 100% 105% 110% 130%
1 Tagihan kepada Pemerintah -
2 Tagihan kepada Entitas Sektor Publik -
Tagihan kepada Bank Pembangunan
3 -
Multilateral dan Lembaga Internasional
4 Tagihan kepada Bank -
Tagihan kepada Perusahaan Efek dan
-
Lembaga Jasa Keuangan Lain1)
5 Tagihan berupa Covered Bond -
6 Tagihan kepada Korporasi Umum2) - - 11.647.129 -
Tagihan kepada perusahaan efek dan
- -
lembaga jasa keuangan lain3)
Eksposur Pembiayaan Khusus4) - - -
Tagihan berupa Surat Berharga/Piutang
7 Subordinasi, Ekuitas, dan Instrumen Modal -
Lainnya
Tagihan kepada Usaha Mikro, Usaha Kecil,
8 - 71.692
dan Portofolio Ritel
9 Kredit Beragun Properti - - - - - -
Kredit Beragun Properti Rumah Tinggal
yang Pembayarannya Tidak Bergantung - -
Secara Material pada Arus Kas Properti
tanpa pendekatan pembagian kredit5) - -
dengan menggunakan pendekatan
pembagian kredit (dijamin)5)
dengan menggunakan pendekatan
- -
pembagian kredit (dijamin)5)
Kredit Beragun Properti Rumah Tinggal
yang Pembayarannya Bergantung Secara -
Material pada Arus Kas Properti
Kredit Beragun Properti Komersial yang
Pembayarannya Tidak Bergantung Secara - 142
Material pada Arus Kas Properti
tanpa pendekatan pembagian kredit5)
dengan menggunakan pendekatan
pembagian kredit (dijamin)5)
dengan menggunakan pendekatan
- -
pembagian kredit ( dijamin)5)
Kredit Beragun Properti Komersial yang
Pembayarannya Bergantung Secara - -
Material pada Arus Kas Properti
Kredit Pengadaan Tanah, Pengolahan
-
Tanah, dan Konstruksi5)
10 Tagihan yang Telah Jatuh Tempo 48.628
11 Aset Lainnya 2.576.376
Laporan Tahunan dan Keberlanjutan 2023
482 PT. Bank Sinarmas Tbk.
Page 485
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Tagihan Bersih Setelah
Lainnya FKK dan Teknik MRK
150% 250% 400% 1250%5) Portfolio Category
Others Net Receivables after
FKK and MRK Technique
- - 24.157.992 Receivables from Government
475.321 - 2.210.968 Receivables from Public Sector Entities
Receivables from Multilateral Development
- - -
Banks and International Institutions
- - 2.836.487 Receivables from Banks
Receivables from Securities Companies
199.690 - 1.001.880
and Other Financial Services Institutions1)
- - Receivables in the form of Covered Bond
Receivables from Corporations - General
46.541 - 15.720.074
Corporate Exposure 2)
Receivables from Securities Companies
- - -
and Other Financial Services Institutions3)
- - - Special Financing Exposure4)
Receivables in the form of Subordinated
- - - - - Securities/Receivables, Equity and Other
Capital Instruments
Receivables from Microbusiness, Small
- 5.011.979
Business, and Retail Portfolio
- - - Property Collateralized Loans
Residential Property Collateralized Loans
8.227 - 8.227 which the Payments Are Not Materially
Dependent on Property Cash Flow
- - - Without a Credit-Sharing Approach5)
Using the Credit-Sharing Approach
- -
(Guaranteed)5)
Using the Credit-Sharing Approach
- - -
(Guaranteed)5)
Residential Property Collateralized Loans
- - - which the Payments Are Materially
Dependent on Property Cash Flow
Commercial Property Collateralized Loans
- - 142 which the Payments Are Not Materially
Dependent on Property Cash Flow
- - Without a Credit-Sharing Approach5)
Using the Credit-Sharing Approach
- -
(Guaranteed)5)
Using the Credit-Sharing Approach
- - -
(Guaranteed)5)
Commercial Property Collateralized
- - - Loans which the Payments Are Materially
Dependent on Property Cash Flow
Land Acquisition, Land Processing, and
95.754 - 95.754
Construction Loans
4.506 - 56.384 Due Receivables
37.501 - - 3.001.980 Other Assets
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
483
Page 486
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tagihan Bersih Laporan Tagihan Bersih TRA Rata-rata Tagihan Bersih
Bobot Risiko Posisi Keuangan (sebelum pengenaan FKK) FKK (Setelah pengenaan FKK dan Teknik MRK)
No
Risk weight Net Receivables Statement TRA Net Receivables FKK Net Receivables
Financial Position (Before FKK Application) Average (After the Application of FKK and MRK Technique)
1 < 40% 29.441.439 1.162.327 1.162.327 30.603.766
2 40%-70% 3.266.480 - - 3.266.480
3 75% 4.886.340 283.247 133.774 5.020.114
4 85% - - - -
5 90%-100% 13.599.696 3.101.555 744.272 14.343.968
6 105%-130% - - - -
7 150% 826.083 299.056 41.457 867.540
8 250% - - - -
9 400% - - - -
10 1250% - - - -
Total Tagihan
11 52.020.037 4.846.185 2.081.830 54.101.867
Bersih
(3) Pengungkapan Tambahan (2) Additional Disclosure
Perubahan Nilai Eksposur berdasarkan Kelas Aset dan Bobot Risiko Changes in Exposure Value based on Asset Class and Risk Weight are due
disebabkan adanya metode perhitungan baru mengacu pada SEOJK to the adoption of a new calculation method in accordance with Financial
Nomor 24/SEOJK.03/2021 Tentang Perhitungan Aset Tertimbang Menurut Services Authority Regulation No. 24/SEOJK.03/2021 Regarding the
Risiko untuk Risiko Kredit dengan Menggunakan Pendekatan Standar Calculation of Risk-Weighted Assets for Credit Risk Using the Standardized
Bagi Bank Umum, dimana Bank menggunakan Cadangan Kerugian Approach for Commercial Banks, where the Bank utilizes the Allowance
Penurunan Nilai (CKPN) sebagai pengurang tagihan dan dikenakan Faktor for Impairment Losses (CKPN) as a deduction from receivables and applies
Konversi Kredit (FKK) untuk Transaksi Rekening Administratif (TRA) serta the Credit Conversion Factor (FKK) for Administrative Account Transactions
menggunakan teknik Mitigasi Risiko Kredit (MRK) sebagai pengurang Aset (TRA) and uses the Credit Risk Mitigation (MRK) technique as a deduction
Tertimbang Menurut Risiko (ATMR). from Risk-Weighted Assets (RWA).
Laporan Tahunan dan Keberlanjutan 2023
484 PT. Bank Sinarmas Tbk.
Page 487
Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Market Risk Using Standardized Method
Report Period : December 2023
Bank secara Individu
Bank Individually (dalam jutaan rupiah / in Rp million)
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
No Jenis Risiko Individual Individual Types of Risk
Beban Modal ATMR Beban Modal A5TMR
Capital Expenses RWA Capital Expenses RWA
a b d e
01 Risiko Suku Bunga 288.245 3.603.058 148.071 1.850.887 Interest Rate Risk
a. Risiko Spesifik 240.911 3.011.383 120.470 1.505.881 a. Specific Risk
b. Risiko Umum 47.334 591.674 27.600 345.006 b. General Risk
02 Risiko Nilai Tukar 41.115 513.937 4.896 61.195 Exchange Rate Risk
03 Risiko Ekuitas *) - - - - Equity Risk *)
04 Risiko Komoditas *) - - - - Commodity Risk
05 Risiko Option - - - - Option Risk
06 CVA - 1.164 - - CVA
Total 329.360 4.118.159 152.967 1.912.082 Total
*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud
For banks that have subsidiary companies with mentioned risk exposure
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
485
Page 488
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Perhitungan Risiko Operasional - Bank secara Individu
Form D1. Laporan Data Kerugian Historis
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Operational Risk Calculations - Bank Individually
Form D1. Historical Loss Data Report
Report Period : December 2023
Bank secara Individu
Bank Individually
31 Desember 2023
December 31, 2023
No Indikator Bisnis (IB) dan komponen IB A B C D E F
T T-1 T-2 T-3 T-4 T-5
Batasan minimum untuk suatu kejadian kerugian operasional (loss event)
sebesar Rp300.000.000,00 (tiga ratus juta rupiah) atau lebih
Jumlah kerugian operasional bersih setelah
01 memperhitungkan nilai pemulihan (tanpa - - - - - -
pengecualian)
02 Jumlah terjadinya kerugian risiko operasional 15.428,00 435,00 5.909,00 21.488,00 - -
03 Jumlah kerugian risiko operasional yang dikecualikan 2,00 1,00 1,00 1,00 - -
Jumlah terjadinya kerugian risiko operasional yang
04 - - - - - -
dikecualikan
Jumlah kerugian operasional bersih setelah
05 memperhitungkan nilai pemulihan dan kerugian risiko - - - - - -
operasional yang dikecualikan
Batasan minimum untuk suatu kejadian kerugian operasional (loss event)
sebesar Rp1.500.000.000,00 (satu milyar lima ratus juta rupiah) atau lebih
Jumlah kerugian operasional bersih setelah
06 memperhitungkan nilai pemulihan (tanpa - - - - - -
pengecualian)
07 Jumlah terjadinya kerugian risiko operasional - - - - - -
08 Jumlah kerugian risiko operasional yang dikecualikan - - - - - -
Jumlah terjadinya kerugian risiko operasional yang
09 - - - - - -
dikecualikan
Jumlah kerugian operasional bersih setelah
10 memperhitungkan nilai pemulihan dan kerugian risiko - - - - - -
operasional yang dikecualikan
Rincian perhitungan modal untuk risiko operasional
Apakah kerugian digunakan dalam perhitungan FPKI?
11 T
(Ya/Tidak)
Dalam hal baris 11 diisi “Tidak”, apakah tidak
digunakannya data kerugian intern tersebut
12 T
disebabkan ketidaksesuaian standar minimum untuk
data kerugian? (Ya/Tidak)
Threshold yg digunakan dalam perhitungan modal
13 300.000.000
untuk risiko operasional (dalam satuan rupiah penuh)
14 Keterangan Tambahan (jika ada) Optional
Laporan Tahunan dan Keberlanjutan 2023
486 PT. Bank Sinarmas Tbk.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
31 Desember 2023
December 31, 2023
G H I J K Business Indicator (IB) and IB Components
Rata-rata 10 Tahun
T-6 T-7 T-8 T-9
Average 10 Years
Minimum Limit of an Operating Loss Event of
Rp300,000,000 (Three Hundred Million Rupiah) or More
Total Net Operating Loss After Calculating the Recovery
- - - - -
Value (Without Exception)
- - - - 4.326,00 Total Occurrence of Operational Risk Loss
- - - - 0,50 Total Excluded Operational Risk Loss
- - - - - Total Occurrence of Excluded Operational Risk Loss
Total Net Operating Loss After Calculating the Recovery
- - - - -
Value and Excluded Operational Risk Losses
Minimum Limit of an Operational Loss Event of
Rp1,500,000,000 (One Billion Five Hundred Million Rupiah) or More
Total Net Operating Loss After Calculating the Recovery
- - - - -
Value (Without Exception)
- - - - - Total Occurrence of Operational Risk Loss
- - - - - Total Excluded Operational Risk Loss
- - - - - Total Occurrence of Excluded Operational Risk Loss
Total Net Operating Loss After Calculating the Recovery
- - - - -
Value and Excluded Operational Risk Losses
Details of Capital Calculation for Operational Risks
Are Losses Used in Calculating FPKI? (Yes/No)
If Line 11 answer is ‘No’, Is the Internal Loss Data Not Use
Due to a Discrepancy of the Minimum Standards for Loss
Data? (Yes/No)
Threshold Used in Capital Calculation for Operational Risks
(in Full Rupiah Amount)
Additional Information (If Any)
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
487
Page 490
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Perhitungan Risiko Operasional - Bank secara Individu
Form D3. Laporan Rincian Indikator Bisnis
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Disclosure of Operational Risk Calculations - Bank Individually
Form D3. Report on the Detail of Business Indicators
Report Period : December 2023
Bank secara Individu
Bank Individually
Indikator Bisnis (IB) dan komponen IB 31 Desember 2023
No Business Indicators (IB) and IB December 31, 2023
Components a b c
T T-1 T-2
Komponen Bunga, Sewa, dan Dividen (KBSD)
1 785.240,28
Interest, Rent and Dividend Components (KBSD)
Pendapatan Bunga
1a 3.234.228,00 3.190.110,00 3.313.484,00
Interest Income
Beban Bunga
1b 652.318,00 1.047.733,00 1.093.246,00
Interest Expenses
Aset Produktif
1c 37.082.203,00 37.577.059,00 30.039.442,00
Earning Assets
Pendapatan Dividen
1d - - -
Dividend Income
Komponen Jasa (KJ)
2 3.841.894,00
Services Components
Pendapatan Jasa dan Komisi
2a 417.193,00 443.289,00 778.390,00
Fees and Commission Income
Beban Jasa dan Komisi
2b 2.018.587,00 2.994.093,00 3.385.091,00
Fees and Commission Expenses
Pendapatan Operasional Lainnya
2c 405.879,00 522.313,00 329.596,00
Other Operating Income
Beban Operasional Lainnya
2d 1.193.243,00 1.063.250,00 871.418,00
Other Operating Expenses
Komponen Keuangan (KK)
3 197.839,67
Financial Components
Laba Rugi Bersih Trading Book
3a 67.338,00 83.122,00 50.053,00
Net Profit Loss Trading Book
Laba Rugi Bersih Banking Book
3b 17.918,00 372.456,00 2.632,00
Net Profit Loss Banking Book
4 IB 4.824.973,95
Komponen Indikator Bisnis (KIB)
5 578.996,87
Business Indicator Components
Pengungkapan IB
- - -
IB Disclosure
IB total termasuk aktivitas yang didivestasi
6a -
Total IB including Divested Activities
Pengurangan IB dikarenakan pengecualian atas
aktivitas yang didivestasi
6b 4.824.973,95
IB Reduction due to Exclusion of Divested
Activities
Keterangan Tambahan
7 Optional
Additional information
Laporan Tahunan dan Keberlanjutan 2023
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Laporan Keberlanjutan Laporan Keuangan
Business Support Overview Corporate Governance Sustainability Report Financial Statement
Laporan Publikasi Eksposur Risiko Dan Permodalan Untuk Atmr Risiko Kredit-Pendekatan Standar
Pengungkapan Perhitungan Risiko Operasional - Bank secara Individu
Form D5. Laporan Perhitungan ATMR Risiko Operasional dengan menggunakan pendekatan standar
Periode Laporan : Desember 2023
Publication Report on Risk Exposure and Capital for Credit Risk RWA-Standardized Approach
Form D5. Operational Risk RWA Calculation Report using a standardized approach
Disclosure of Operational Risk Calculations - Bank Individually
Report Period : December 2023
Bank secara Individu
Bank Individually
31 Desember 2023 31 Desember 2022
No Rincian December 31, 2023 December 31, 2022 Description
Individual Individual
a a
01 Komponen Indikator Bisnis (KIB) 578.997 - Business Indicator Components (KIB)
02 Faktor Pengali Kerugian Internal (FPKI) 1 - Internal Loss Multiplier Factor (FPKI)
03 Modal Minimum Risiko Operasional (MMRO) 578.997 - Operational Risk Minimum Capital (MMRO)
04 ATMR untuk Risiko Operasional 7.237.461 5.952.534 RWA for Operational Risk
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07
KEBERLANJUTAN
SOSIAL DAN LINGKUNGAN
Social and Environmental Sustainability
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Setiap kegiatan usaha berpotensi memberikan pengaruh Every business activity potentially affects stakeholders, both
kepada pemangku kepentingan, baik secara langsung maupun directly and indirectly. The success of a company is measured
tidak langsung. Keberhasilan sebuah perusahaan terukur by the positive impact it provides to stakeholders. Therefore,
dari dampak positif yang diberikan kepada para pemangku Bank Sinarmas has a responsibility to contribute economically,
kepentingan. Oleh karena itu, Bank Sinarmas memiliki socially, and environmentally to stakeholders through the
tanggung jawab untuk memberikan kontribusi, baik secara implementation of Corporate Social and Environmental
ekonomi, sosial, maupun lingkungan kepada para pemangku Responsibility (CSER) programs guided by the principles of
kepentingan, melalui pelaksanaan program tanggung jawab accountability, transparency, and sustainability.
sosial dan lingkungan (TJSL) yang berpedoman pada prinsip
akuntabilitas, transparansi, dan keberlanjutan.
Sebagai perusahaan perbankan, Bank Sinarmas juga As a banking institution, Bank Sinarmas also integrates
mengintegrasikan aspek keuangan berkelanjutan dalam sustainable finance aspects into CSER programs. This is
program TJSL. Hal ini dimaksudkan untuk menciptakan intended to create a greater and more sustainable positive
dampak positif yang lebih besar dan berkelanjutan di berbagai impact across various sectors while ensuring balanced
sektor, sekaligus memastikan pertumbuhan ekonomi yang economic growth with social and environmental sustainability.
seimbang dengan keberlanjutan sosial dan lingkungan.
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Tinjauan Pendukung Bisnis Tata Kelola Perusahaan Keberlanjutan Sosial dan Lingkungan Laporan Keuangan
Business Support Overview Corporate Governance Social and Environmental Sustainability Financial Statement
Tata Kelola Keberlanjutan
Sustainability Governance
Visi dan Misi Keberlanjutan [POJK51- C.1] Sustainability Vision and Mission [POJK51- C.1]
VISI VISION
Menjadi bank swasta nasional yang selalu
tumbuh dan memiliki kepedulian sosial dalam
menjaga keseimbangan aspek ekonomi, sosial,
dan lingkungan.
To be a national private bank that continuously
grows and demonstrates social responsibility in
maintaining the balance of economic, social,
and environmental aspects.
MISI MISSION
Meningkatkan efisiensi penggunaan energi dan sumber Meningkatkan peran dan tanggung jawab sosial dalam
daya yang dimiliki dalam aktivitas operasional perusahaan. meningkatkan kesejahteraan masyarakat.
Improving the efficiency of energy use and resources in Enhancing social roles and responsibilities to improve
the Company's operational activities. community welfare.
Mengembangkan produk dan/atau jasa keuangan Mengelola risiko sosial dan lingkungan hidup yang
yang menerapkan prinsip keuangan berkelanjutan dan lebih baik dengan menerapkan prinsip-prinsip yang
bermanfaat untuk masyarakat. berkelanjutan.
Developing financial products and/or services that adopt Managing social and environmental risks better by
sustainable finance principles and are beneficial to society. applying sustainable principles.
Penanggung Jawab Penerapan Keuangan Responsible for the Implementation of
Berkelanjutan [POJK51-E.1] Sustainable Finance [POJK51-E.1]
Pelaksanaan kebijakan keuangan berkelanjutan diawasi oleh The implementation of sustainable finance policies is supervised
Compliance Group, yang bertanggung jawab langsung kepada by the Compliance Team, which reports directly to the Board of
Direksi. Tim Compliance bekerja bersama unit-unit terkait untuk Directors. The Compliance Team collaborates with relevant units
berkontribusi dalam kegiatan operasional dan menerapkan to contribute to operational activities and implement sustainable
praktik tata kelola keberlanjutan. Hingga saat ini, Tim Compliance governance practices. Until now, the Compliance Team has a
telah memberikan dampak positif dalam kelancaran penerapan positive impact on the smooth implementation and adaptation of
dan penyesuaian kebijakan keuangan berkelanjutan. sustainable finance policies.
Selain itu, Bank juga telah memiliki kebijakan induk yang mengatur In addition, the Bank also has a parent policy governing the
tentang penerapan keuangan berkelanjutan. Pelaksanaannya implementation of sustainable finance. Its implementation is
didelegasikan ke seluruh unit kerja di lingkungan organisasi delegated to all work units within the internal organizational
internal. Bank memastikan prinsip-prinsip keuangan berkelanjutan environment. The Bank ensures that sustainable finance principles
melekat erat pada semua aspek usaha. are closely integrated into all aspects of its operations.
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Pengembangan Kompetensi terkait Keuangan Competency Development Related to
Berkelanjutan [POJK51-E.2] Sustainable Finance [POJK51-E.2]
Pengembangan kompetensi terkait keuangan berkelanjutan di The development of competencies related to sustainable
Bank Sinarmas diselenggarakan pada berbagai tingkatan jabatan finance at Bank Sinarmas is organized at various positions using
dengan menggunakan metode e-learning dan in-class, di bawah e-learning and in-class methods under the responsibility of the
tanggung jawab Divisi Human Capital Management Group. Selain Human Capital Management Group Division. Additionally, the
itu, Bank juga menjalin kerja sama dengan pihak eksternal untuk Bank also collaborates with external parties to conduct training
menyelenggarakan pelatihan dan webinar terkait keuangan and webinars related to sustainable finance. The total cost of
berkelanjutan. Jumlah biaya pengembangan kompetensi developing competencies in sustainable finance in 2023 amounted
keuangan berkelanjutan di tahun 2023 sebesar Rp50.276.900,-. to Rp50,276,900.
Materi Pengembangan Kompetensi Jumlah Peserta Jam Pelatihan Rerata Jam Pelatihan/Pekerja Peserta
Competency Development Material Total Participants Time of Training Average Training/Working Hours Participant
Rencana Aksi Keuangan Berkelanjutan (RAKB) Staff - Group
3.367 10 3
Sustainable Finance Action Plan (RAKB) Head
Accelerating Inclusive Digital Economy Transformation
Dept. Head -
and Sustainability Economic Growth (and Impact on 20 70 3,5
BOD/BOC
Risk Based Bank Rating and Risk Appetite)
Strengthen 4 Pillar Risk Management Toward Group Head -
11 33 3
Sustainable Bank BOD/BOC
Investment Outlook 2023: Sustainability Financing Staff -
4 12 3
for The Future Indonesian Investment Department Head
Sustainability & Inclusivity Conference 2023 3 12 4 Staff
ESG Mastery: Complete Corporate Sustainability 2023 1 2 2 Section Head
Investor Network Summit Building Sustainable
1 5 5 Section Head
Investment Strategy for Uncertain Times
Tantangan dan Peluang Profesi Manajemen Risiko
dalam Pencapaian Tujuan Keuangan Berkelanjutan
Challenges and Opportunities for the Risk 1 3 3 Group Head
Management Profession in Achieving Sustainable
Financial Goals
Training Keuangan Berkelanjutan Batch 2 Tahun 2023 Department
1 34 34
Sustainable Finance Training Batch 2 of 2023 Head
Upskilling for Shared Prosperity in Indonesia:
1 2 2 Section Head
Fostering Sustainable Growth
Penilaian Risiko atas Penerapan Keuangan Risk Assessment for the Implementation of
Berkelanjutan [POJK51-E.3] Sustainable Finance [POJK51-E.3]
Menyadari adanya potensi risiko dalam penerapan keuangan Recognizing the potential risks in implementing sustainable
berkelanjutan, Bank menerapkan sejumlah inisiatif berikut. finance, the Bank has implemented the following initiatives:
1. Bank telah memiliki Kebijakan Keuangan Berkelanjutan sebagai 1. The Bank has established a Sustainable Financed Policy as a
panduan untuk pengembangan keuangan berkelanjutan guideline for sustainable financial development in accordance
yang sesuai dengan regulasi. Kebijakan ini telah disetujui oleh with regulations. This policy has been approved by the Board
Dewan Komisaris dan Direksi Bank. Secara berkala, Bank akan of Commissioners and the Board of Directors of the Bank.
melakukan evaluasi dan pengkinian kebijakan internal agar The Bank will periodically conduct evaluations and updates of
tetap selaras dengan kebijakan regulator. internal policies to ensure they comply with regulatory policies.
2. Melakukan proses penyaringan awal (prescreening) pada 2. Conducting pre-screening processes on loan applications,
permohonan pinjaman, peningkatan portofolio pembiayaan, financing portfolio enhancements, and investments to ensure
dan investasi untuk memastikan sesuai dengan kriteria risiko compliance with risk criteria and their environmental impact.
dan dampaknya terhadap lingkungan.
3. Melakukan telaah ulang atas kebijakan internal terhadap 3. Reviewing internal policies on ongoing processes and
proses dan aktivitas yang sedang berjalan. activities.
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4. Menetapkan strategi implementasi keuangan berkelanjutan, 4. Establishing a sustainable finance implementation strategy,
khususnya pada sektor yang menjadi fokus dan potensial particularly in sectors that are the focus and potential in
dalam mendukung keuangan berkelanjutan, pengembangan supporting sustainable finance, developing the internal
kapasitas internal Lembaga Jasa Keuangan (LJK) dalam capacity of Financial Services Institutions (LJK) within the Sinar
kelompok usaha Sinar Mas, termasuk penyesuaian organisasi, Mas business group, including organizational adjustments,
serta manajemen risiko untuk mendukung program literasi and risk management to support financial literacy and
keuangan dan inklusi keuangan. financial inclusion programs.
5. Menerapkan prinsip-prinsip keuangan berkelanjutan melalui 5. Implementing sustainable finance principles through
pengelolaan risiko ekonomi, sosial, dan lingkungan hidup. managing economic, social, and environmental risks.
6. Melakukan telaah berkala serta meninjau efektivitasnya 6. Regularly reviewing and assessing their effectiveness to
agar memberikan manfaat, tidak hanya pada kinerja Bank, provide benefits, not only to the Bank's performance but also
tetapi juga pada perekonomian serta lingkungan sosial dan to the economy and the social and environmental aspects in
lingkungan hidup secara umum. general.
Adapun penerapan prinsip keuangan berkelanjutan yang telah The implementation of sustainable finance principles that have
dan akan dilakukan Bank Sinarmas, diuraikan sebagai berikut. been and will be carried out by Bank Sinarmas is outlined as
1. Bank telah berkomitmen dan melakukan aksi nyata follows:
sebagai upaya mendukung implementasi pembangunan 1. The Bank has committed and taken concrete actions to
berkelanjutan di Indonesia dengan memberikan dukungan support the implementation of sustainable development in
pada sektor usaha, misalnya: Indonesia by providing support to sectors such as:
a. Sektor Perkebunan Sawit
Bank menerapkan ketentuan tentang sertifikat sawit a. Palm Oil Plantation Sector
berkelanjutan, yaitu Indonesian Sustainable Palm Oil The Bank applies provisions regarding sustainable palm oil
System (ISPO) dan/atau Roundtable on Sustainable certificates, namely the Indonesian Sustainable Palm Oil
Palm Oil (RSPO) untuk pembiayaan kepada debitur yang System (ISPO) and/or the Roundtable on Sustainable Palm
bergerak di bidang perkebunan sawit. Dengan adanya Oil (RSPO), for financing to debtors engaged in palm oil
sertifikat tersebut, diharapkan membantu debitur lebih plantation sector. With these certificates, it is hoped that
memahami dan menyadari pentingnya aspek sosial debtors will better understand and realize the importance
dan lingkungan dalam usahanya untuk mendukung of social and environmental aspects in their efforts to
implementasi pembangunan berkelanjutan. support the implementation of sustainable development.
b. Kredit Usaha Rakyat b. People's Business Credit
Bank terus berkontribusi dalam pembiayaan pembangunan The Bank continues to contribute to sustainable
berkelanjutan kepada masyarakat unbankable melalui development financing for unbankable communities
penyaluran kredit usaha rakyat (KUR) antara lain pada through the provision of People's Business Credit
sektor produksi seperti perikanan, peternakan, pertanian. (KUR), particularly in sectors such as fisheries, livestock,
Bank memberikan pendampingan dan pembelajaran and agriculture. The Bank provides guidance and
atas produk dan/atau jasa keuangan guna memberikan financial literacy on products and services to contribute
kontribusi dalam pengelolaan dan memajukan usaha- to the management and advancement of small-scale
usaha kecil masyarakat Indonesia dalam mendukung businesses in Indonesian communities, supporting the
implementasi pembangunan berkelanjutan. implementation of sustainable development.
c. Digital Loan c. Digital Loan
Bank terus meningkatkan secara berkesinambungan The Bank continues to sustainably enhance its role and
peran dan kontribusi dalam literasi dan inklusi keuangan contribution to financial literacy and inclusion in the
di tanah air seiring perkembangan Teknologi Informasi country in line with the advancements in Information
(TI). Bank membidik peluang perkembangan ekonomi Technology (IT). The Bank targets opportunities in
digital di Indonesia dengan mengembangkan layanan Indonesia's digital economy by developing online credit
pemberian kredit secara online (digital loan) untuk services (digital loans) for microcredit distribution as well
kebutuhan penyaluran kredit mikro maupun kebutuhan as consumer credit distribution needs. Credit distribution
penyaluran kredit konsumer. Penyaluran kredit melalui through digital channels allows operational activities to
digital memungkinkan kegiatan operasional dapat reduce paper usage (paperless), representing an effort to
mengurangi penggunaan kertas (paperless), hal ini salah mitigate negative environmental impacts and becoming
satu upaya mengurangi dampak negatif bagi lingkungan more environmentally-friendly.
sehingga menjadi lebih ramah lingkungan.
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2. Bank melakukan pemutakhiran data debitur secara berkala 2. The Bank regularly updates debtor data concerning compliance
terkait kepatuhan terhadap aspek lingkungan, sosial, dan with environmental, social, and governance (ESG) aspects and
tata kelola (LST) serta melakukan monitoring terhadap monitors debtors in obtaining certifications according to their
debitur dalam perolehan sertifikasi sesuai bidang usahanya. field of business. Compliance with ESG principles for each
Pemenuhan prinsip LST kepada setiap debitur masih bersifat debtor is still advisory rather than mandatory. In the future,
penyuluhan, bukan paksaan dengan harapan, kelak menjadi it is expected to eventually become an obligation for every
kewajiban bagi setiap debitur yang dapat dimasukkan debtor that can be included in covenants. The Bank will
dalam covenant. Bank secara berkesinambungan akan continuously strive to make every debtor environmentally,
melakukan upaya agar setiap debitur menjadi debitur yang socially, and governance-conscious to support sustainable
sadar lingkungan, sosial, dan tata kelola untuk mendukung development implementation.
implementasi pembangunan berkelanjutan.
3. Bank secara konsisten akan melakukan komunikasi yang 3. The Bank will consistently engage in informative
informatif dengan mensosialisasikan penerapan LST dalam communication by promoting the implementation of ESG
pembiayaan debitur/nasabah sebagai upaya penguatan in debtor/customer financing as an effort to strengthen risk
kemampuan manajemen risiko, khususnya terkait lingkungan management capabilities, particularly related to environmental
hidup bertujuan untuk meningkatkan portofolio, baik kuantitas aspects. It aims to enhance the portfolio, both in quantity and
maupun kualitas pembiayaan ramah lingkungan hidup pada quality, of environmentally friendly financing in sustainable
sektor pertanian berkelanjutan, energi terbarukan, efisiensi energi, agriculture, renewable energy, energy efficiency, sustainable
perikanan berkelanjutan, kehutanan berkelanjutan, ekowisata, fisheries, sustainable forestry, ecotourism, green buildings,
gedung hijau, infrastruktur hijau, dan industri daur ulang. green infrastructure, and recycling industries.
4. Bank selaku Emiten Utama akan melakukan komunikasi 4. As the Primary Issuer, the Bank will communicate its
Rencana Aksi Keuangan Berkelanjutan kepada seluruh jenjang Sustainable Finance Action Plan to all levels of the organization
organisasi yang ada di Bank Sinarmas dengan tujuan agar within Bank Sinarmas to ensure that policies, strategies, and
kebijakan dan/atau strategi serta memastikan rencana aksi action plans are aligned and supported by all parties involved
oleh semua pihak yang terlibat sejalan dan saling mendukung in their implementation.
dalam penerapannya.
Informasi terkait profil dan mitigasi risiko Bank Sinarmas telah The information regarding the profile and risk mitigation of Bank
diungkapkan pada bab Tata Kelola Perusahaan dalam Laporan Sinarmas is disclosed in the Corporate Governance section of this
Tahunan dan Keberlanjutan ini. Annual and Sustainability Report.
Permasalahan terkait Penerapan Keuangan Problems with the implementation of
Berkelanjutan [POJK51-E.5] Sustainable Finance [POJK51-E.5]
Tantangan terkait penerapan keuangan keberlanjutan muncul Challenges related to the implementation of sustainable finance
dari lingkungan internal maupun eksternal Bank. Tantangan arise from both the internal and external environment of the
dari sisi internal, yakni keterbatasan pemahaman karyawan Bank. Internally, the challenge lies in the limited understanding
dalam menerapkan pengelolaan aspek keberlanjutan. Upaya of employees in applying sustainability aspects. The Bank's efforts
yang dilakukan Bank dalam mengatasi hal tersebut, yakni to address this include encouraging employees to join especially
mengikutsertakan karyawan terutama dalam pengembangan competency development program related to sustainability
kompetensi yang berkaitan dengan aspek keberlanjutan. aspects.
Sementara tantangan dari sisi eksternal, di antaranya perubahan Meanwhile, challenges from the external side include regulatory
regulasi terkait keuangan berkelanjutan dapat menyulitkan Bank changes related to sustainable finance, which may make it difficult
dalam mematuhi persyaratan baru yang mungkin memerlukan for the Bank to comply with new requirements that may require
investasi tambahan dalam sistem dan proses. Terkait hal ini, Bank additional investment in systems and processes. In this regard,
senantiasa mengidentifikasi dan memahami implikasi regulasi the Bank consistently identifies and understands the implications
baru terkait keuangan berkelanjutan dan memastikan kepatuhan of new regulations related to sustainable finance and ensures
dengan memperbarui prosedur dan sistem yang ada. compliance by updating existing procedures and systems.
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Meningkatkan Budaya Keberlanjutan [POJK51-F.1]
Enhancing Sustainability Culture
Bank Sinarmas berkomitmen untuk mengimplementasikan Bank Sinarmas is committed to implementing Sustainability
Budaya Keberlanjutan di lingkungan Bank. Komitmen tersebut Culture within the Bank's environment. This commitment is
diwujudkan melalui program sosialisasi dan edukasi bagi seluruh realized through programs of dissemination and education for
karyawan yang bertujuan untuk meningkatkan pengetahuan all employees aimed at enhancing knowledge and understanding
dan pemahaman terkait penyesuaian kebijakan internal, serta related to the adjustment of internal policies, as well as the
pengembangan produk dan aktivitas keuangan berkelanjutan. development of sustainable finance products and activities.
Human Capital Management Group secara aktif melakukan Human Capital Management Group actively conducts outreach
sosialisasi dan edukasi kepada seluruh karyawan dengan and education for all employees utilizing various available
memanfaatkan berbagai sarana yang tersedia, seperti penyediaan facilities, such as budget allocation, e-learning platforms, and
anggaran, platform e-learning, serta platform virtual seperti, Zoom. virtual platforms like Zoom. In term of norms, the Bank enhances
Di sisi normatif, Bank meningkatkan akuntabilitas dalam semua accountability in all organizational functions through the
fungsi organisasi melalui perumusan dan penerapan strategi formulation and implementation of compliance, anti-fraud, risk
kepatuhan, anti-fraud, risk awareness, GCG, dan keamanan data. awareness, GCG (Good Corporate Governance), and data security
Kegiatan ini merupakan bagian integral dari proses penerapan strategies. These activities are integral parts of the implementation
Budaya Keberlanjutan di lingkungan Bank. process of Sustainability Culture within the Bank's environment.
Bank Sinarmas juga menerapkan Budaya Keberlanjutan dalam Bank Sinarmas also implements the Sustainability Culture in
kegiatan operasional melalui upaya penghematan dalam operational activities through efforts to save on the use of paper,
penggunaan kertas, air, listrik, dan bahan bakar. Kebijakan ini water, electricity, and fuel. This policy is comprehensively applied
diterapkan secara menyeluruh di seluruh jenjang organisasi, throughout all levels of the organization, from headquarters to
mulai dari kantor pusat hingga kantor cabang, dengan harapan branch offices, with the aim of providing a positive impact on the
memberikan dampak positif terhadap lingkungan. environment.
Dengan menerapkan Budaya Keberlanjutan secara By continuously implementing the Sustainability Culture in all
berkesinambungan di seluruh aktivitas, Bank akan mendorong activities, the Bank will promote an improvement in sustainability
peningkatan kinerja keberlanjutan. Bank juga menyadari bahwa performance. The Bank is also aware that the objectives in its
sasaran dalam kegiatan operasionalnya bukan hanya untuk operational activities are not solely for the internal interests of
kepentingan internal organisasi, tetapi juga tercermin dalam the organization but are also reflected in the overall performance
perkembangan kinerja Bank secara keseluruhan, terutama yang development of the Bank, especially concerning sustainability.
terkait dengan keberlanjutan.
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Keberlanjutan Pengembangan Sosial
Social Development Sustainability
Program keberlanjutan Bank dalam bidang sosial berorientasi The Bank's sustainability program in social sector is oriented
pada pengelolaan sumber daya manusia (SDM), komitmen towards human resources (HR) management, commitment to
terhadap kesehatan dan keselamatan kerja (K3), pengembangan occupational health and safety (OHS), social and community
sosial dan masyarakat, perhatian terhadap pelanggan dan produk development, customer, and product/service care, as well
serta layanan, serta mempertahankan hubungan baik dengan as maintaining good relationships with business partners or
mitra bisnis atau rekanan. associates.
Pengelolaan Sumber Daya Manusia Human Resource Management
SDM Bank Sinarmas dikelola Human Capital Management (HCM) The human resources of Bank Sinarmas are managed by the
Group dengan memperhatikan prinsip keuangan berkelanjutan. Human Capital Management (HCM) Division, with consideration
Dengan demikian, berbagai kebijakan dan keputusan mengenai for sustainable finance principles. Therefore, various policies and
SDM senantiasa mempertimbangkan dampak sosial, lingkungan decisions regarding human resources always consider the social,
dan ekonomi karyawan. environmental, and economic impacts on employees.
Kesetaraan Gender dan Kesempatan Kerja [POJK51-F.18] Gender Equality and Job Opportunity [POJK51-F.18]
Bank Sinarmas senantiasa memastikan semua karyawan Bank Sinarmas always ensures that all employees are treated
diperlakukan dengan adil dan setara, tanpa memandang fairly and equally, regardless of gender, ethnicity, religion, race,
perbedaan gender maupun suku, agama, ras, dan antar golongan or inter-group differences (SARA), starting from the recruitment
(SARA), mulai dari tahap rekrutmen, pengembangan kompetensi, stage, competency development, and career opportunities within
hingga kesempatan berkarier di Bank. the Bank.
Selama tahun 2023, Bank Sinarmas merekrut 1.659 karyawan Throughout 2023, Bank Sinarmas recruited 1,659 new employees
baru melalui proses rekrutmen yang dijalankan secara profesional through a professionally conducted recruitment process without
dan tanpa diskriminasi. Dalam proses ini, semua kandidat discrimination. In this process, all candidates are evaluated based
dievaluasi berdasarkan kompetensi dan pengalaman yang relevan, on their competency and relevant experience, ensuring that
dengan memastikan bahwa keputusan rekrutmen didasarkan recruitment decisions are based on factors related to their work
pada faktor-faktor yang berkaitan dengan kemampuan kerja abilities, without any bias.
mereka, tanpa adanya bias.
Selain itu, Bank Sinarmas menerapkan prinsip kesetaraan Furthermore, Bank Sinarmas adopts gender equality principles
gender dengan memberikan peluang kerja yang sama kepada by providing equal job opportunities to female prospective
calon karyawan wanita, memastikan bahwa posisi atau jabatan employees, ensuring that positions available are open to them
yang tersedia terbuka untuk mereka sesuai dengan kualifikasi based on qualifications and competencies. As of 31 December
dan kompetensi. Per tanggal 31 Desember 2023, komposisi 2023, the composition of female employees in the Bank reached
karyawan wanita di Bank mencapai 39,75%. Beberapa di 39.75%. Some of them hold strategic positions such as the
antaranya menduduki jabatan strategis, seperti Dewan Komisaris, Board of Commissioners, the Board of Directors, and Executive
Direksi, dan Pejabat Eksekutif. Bank Sinarmas juga memberikan Officers. Bank Sinarmas also provides job opportunities specifically
kesempatan kerja secara khusus bagi penyandang disabilitas for people with disabilities (PWDs), ensuring their placement in
(difabel), dengan memastikan penempatan mereka pada posisi positions that match their abilities and circumstances.
yang sesuai dengan kemampuan dan keadaannya.
Upaya-upaya tersebut mencerminkan komitmen Bank Sinarmas These efforts reflect Bank Sinarmas' commitment to creating an
untuk menciptakan lingkungan kerja yang inklusif dan inclusive work environment and providing equal opportunities for
memberikan peluang yang setara bagi semua, tanpa terkecuali. all, without exception.
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Tenaga Kerja Paksa dan Tenaga Kerja Anak [POJK51-F.19] Forced Labor and Child Labor [POJK51-F.19]
Bank Sinarmas senantiasa memastikan waktu kerja yang layak Bank Sinarmas always ensures decent working hours for its
bagi karyawan, dengan membatasi waktu kerja maksimal hingga employees by limiting the maximum working hours to 40
40 jam dalam seminggu. Kebijakan ini sejalan dengan Undang- hours per week. This policy is in line with Law No. 19 of 1999
Undang No. 19 Tahun 1999 tentang Pengesahan Konvensi on the Ratification of the International Labor Organization (ILO)
International Labour Organization (ILO) mengenai Penghapusan Convention on the Elimination of Forced Labor.
Kerja Paksa.
Selain itu, sebagai pemenuhan ketentuan Pasal 68 Undang- Furthermore, in compliance with Article 68 of Law No. 13 of 2003
Undang No. 13 Tahun 2003 tentang Ketenagakerjaan, Bank telah on Manpower, the Bank has set the minimum working age for
menetapkan batas usia karyawan yang layak bekerja, yakni usia employees at 18 years old. This information is reflected in the
18 tahun. Informasi ini tercermin dalam Demografi Karyawan Employee Demographics based on age disclosed in the Company
berdasarkan usia yang diungkapkan pada bab Profil Perusahaan Profile section of this Annual and Sustainability Report.
dalam Laporan Tahunan dan Keberlanjutan ini.
Remunerasi dan Manfaat bagi Karyawan [POJK51-F.20] Remuneration and Benefits for Employees [POJK51-F.20]
Bank Sinarmas menetapkan kebijakan remunerasi untuk Bank Sinarmas establishes remuneration policies to ensure the
memastikan penerapan prinsip-prinsip remunerasi yang wajar. implementation of fair remuneration principles. The process of
Proses penetapan kebijakan ini didasarkan pada beberapa faktor, determining this policy is based on several factors, including each
termasuk kontribusi setiap karyawan, tingkat kompetitif di employee's contribution, the competitive level in the industry, and
industri, dan kemampuan perusahaan. the Company's capability.
Bank turut berpartisipasi dalam salary survey yang difasilitasi oleh The Bank also participates in a salary survey facilitated by
konsultan independen yang diakui dalam industri perbankan. recognized independent consultants in the banking industry. The
Hasil dari survei ini menjadi referensi utama dalam penyusunan results of this survey serve as the primary reference in structuring
struktur upah karyawan, selain mempertimbangkan kajian employee wage levels, in addition to considering internal studies
internal yang mengacu pada praktik terbaik di industri. Bank juga that adhere to best practices in the industry. The Bank also
senantiasa memastikan kebijakan remunerasi mematuhi seluruh consistently ensures that the remuneration policies comply with
ketentuan perundang-undangan yang berlaku, termasuk standar all applicable laws and regulations, including the minimum wage
upah minimum yang ditetapkan oleh pemerintah. standards set by the government.
Rasio Penghasilan Karyawan Terendah terhadap Upah Minimum
Ratio of Lowest Employee Earnings to Minimum Wage
Uraian 2023 2022 2021 Description
Rasio Upah Terendah terhadap
1,11 1,13 1,11 Ratio of Lowest Earning to Minimum Wage
Upah Minimum
Selain remunerasi, Bank Sinarmas juga memberikan manfaat lain In addition to remuneration, Bank Sinarmas also provides other
bagi karyawan sesuai dengan status kepegawaian dan jenjang benefits to employees according to their employment status and
jabatannya, seperti manfaat kesehatan yang diterima oleh job levels, such as healthcare benefits which include inpatient
karyawan mencakup rawat inap, rawat jalan, biaya melahirkan care, outpatient care, childbirth expenses for female employee
bagi istri karyawan maupun karyawati, dan pergantian kacamata and employees' spouses, and eyeglass replacement within the
sesuai limit yang diberikan oleh Bank. Adapun untuk tenaga alih limit provided by the Bank. As for outsourced workers, the Bank
daya (outsourcing), Bank menyediakan pemeliharaan kesehatan provides healthcare maintenance through the Social Security
melalui program Badan Penyelenggara Jaminan Sosial (BPJS). Administration Agency (BPJS) program.
Lingkungan Kerja yang Layak dan Kondusif [POJK51-F.21] Decent and Safe Work Environment [POJK51-F.21]
Bank Sinarmas berkomitmen untuk menerapkan praktik terbaik Bank Sinarmas is committed to implementing best practices in
dalam pemenuhan hak-hak karyawan dan memprioritaskan fulfilling employee rights and prioritizing occupational health and
prinsip-prinsip kesehatan dan keselamatan kerja (K3) guna safety (OHS) principles to create a decent and conducive work
menciptakan lingkungan kerja yang layak dan kondusif. environment. A number of initiatives are taken to ensure the
Sejumlah inisiatif telah dilakukan untuk memastikan kesehatan health and safety of employees. Through the Business Resilience
dan keselamatan karyawan. Melalui unit Business Resilience & & Continuity Management unit, the Bank communicates with
Continuity Management, Bank berkomunikasi dengan karyawan employees through various channels, including email and
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melalui berbagai saluran, termasuk e-mail dan e-learning, e-learning, to enhance awareness and knowledge of OHS and
untuk meningkatkan kesadaran dan pengetahuan tentang K3 emergency situations. The office building infrastructure has also
serta keadaan darurat. Infrastruktur gedung kantor juga telah been equipped with security facilities such as fire extinguishers
dilengkapi dengan sarana pengamanan, seperti alat pemadam api (APAR) and alarms as preventive measures. Comfortable and clean
ringan (APAR) dan alarm sebagai tindakan pencegahan. Ruang lactation rooms are also provided for working mothers.
laktasi yang nyaman dan bersih juga disediakan bagi ibu pekerja.
Dalam memastikan terpenuhinya hak karyawan terkait kesehatan, In ensuring fulfillment of employee rights on health, the Bank
Bank menyediakan fasilitas kesehatan karyawan sesuai dengan provides healthcare facilities for employees in accordance with
Surat Keputusan Direksi No.SK.038/2018/DIR5-HCSS tentang the Board of Directors Decision Letter No. SK.038/2018/DIR5-
Tunjangan Pemeliharaan Kesehatan Revisi 3.0. Selama masa HCSS on Health Maintenance Allowance Revision 3.0. During the
pandemi, Bank menyediakan vitamin dan masker untuk karyawan, pandemic, the Bank provides vitamins and masks for employees,
melakukan pemeriksaan suhu tubuh, dan menerapkan protokol conducts body temperature checks, and strictly implements health
kesehatan secara ketat. protocols.
Bank juga memastikan keselamatan kerja karyawan melalui The Bank also ensures the occupational safety of employees through
pembentukan Tim Darurat yang bertanggung jawab terhadap the formation of an Emergency Team responsible for workplace
keselamatan kerja. Tim ini dibentuk dengan tujuan: safety. This team is formed with the following objectives:
1. Mengetahui kegiatan yang harus diprioritaskan pada saat 1. Identifying activities that should be prioritized during
terjadi keadaan darurat demi kelangsungan bisnis dan emergencies for the sake of business continuity and customer
pelayanan terhadap nasabah; service;
2. Meminimalkan kehilangan dokumen-dokumen penting; dan 2. Minimizing the loss of important documents; and
3. Meminimalkan dampak bencana terhadap perusahaan secara 3. Minimizing the impact of disasters on the Company as a
keseluruhan. whole.
Tim Darurat pun senantiasa diberikan pelatihan dan pelatihan dan The Emergency Team is also consistently provided with training
simulasi menghadapi bencana, baik kebakaran maupun gempa and simulations to face disasters, including fires and earthquakes.
bumi. Tujuan dari pelatihan tersebut, yakni: The training aims to:
1. Meningkatkan kesadaran dan kesiapan menghadapi bencana; 1. Enhancing awareness and preparedness for disasters;
2. Memberikan pemahaman mengenai basic floor captain; dan 2. Providing understanding of basic floor captain responsibilities;
and
3. Melatih kemampuan dan kesigapan para peserta pelatihan 3. Training the abilities and readiness of training participants to
dalam mengoordinir rekan-rekan kerjanya untuk melakukan coordinate their coworkers in the evacuation process during
proses evakuasi saat gempa dan kebakaran pada gedung earthquakes and fires in high-rise buildings.
bertingkat.
Bank juga melakukan simulasi kebakaran dengan tujuan melatih The Bank also conducts fire drills to train employees' awareness,
kesadaran, kesiapan, dan kesiapsiagaan karyawan dalam preparedness, and readiness to handle fire emergencies, knowing
menghadapi keadaan darurat kebakaran, mengetahui jalur the emergency exit routes, and designated assembly points.
emergency exit maupun lokasi titik kumpul yang telah ditentukan.
Pelaksanaan keselamatan kerja perlu didukung oleh tenaga The implementation of workplace safety needs to be supported by
keamanan, Bank Sinarmas telah mengikutsertakan tim keamanan security personnel. Bank Sinarmas has included security teams in
pada beberapa pelatihan, dengan tujuan: several training sessions, with the following objectives:
1. Meningkatkan kemampuan, kesigapan, dan sikap mental 1. Enhancing the capabilities, readiness, and mental attitudes of
dari personel Sekuriti Bank Sinarmas dalam merespons secara Bank Sinarmas Security personnel to respond promptly and
tepat dan cepat saat keadaan darurat terjadi; effectively during emergency conditions;
2. Melatih dan meningkatkan kemampuan peserta dalam 2. Training and enhancing the participants' abilities in self-
evakuasi mandiri kebakaran dan evakuasi korban gedung evacuation during fires and evacuating victims of building
runtuh; dan collapses; and
3. Memberikan pemahaman lanjutan tentang sistem koordinasi 3. Providing advanced understanding of the Incident Command
Incident Command System (ICS) dalam menangani situasi System (ICS) coordination system in handling emergency
keadaan darurat di lingkungan kantor. situations in the office environment.
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Selama periode 2023, telah dilakukan berbagai upaya untuk During 2023, various efforts had been made to improve the
meningkatkan kualitas keselamatan kerja, yang dijabarkan quality of occupational safety, which are outlined as follows:
sebagai berikut.
1. Bekerja sama dengan Task Force Spin off USS dalam 1. Collaborated with the Task Force Spin off UUS to complete
melengkapi beberapa dokumen, seperti Kebijakan BCM, several documents, such as BCM Policy, Guidelines for
Petunjuk Pelaksana Lokasi Kerja Alternatif, SOP Lokasi Kerja Implementing Alternative Workplace Locations, SOPs for
Alternatif, Petunjuk Pelaksana Rencana Tindak Darurat, dan Alternative Workplace Locations, Guidelines for Implementing
Petunjuk Pelaksana Risk Assessment Bank sebagai prasyarat Emergency Action Plans, and Guidelines for Implementing the
dokumen yang diminta oleh regulator. Bank Risk Assessments as prerequisite documents requested
2. Melaksanakan uji coba BC Plan dengan melibatkan 11 unit by regulators.
kerja kritikal yang ada di Bank. Dalam memastikan kesiapan 2. Conducted BC Plan trials involving 11 critical units within the
serta strategi kelangsungan bisnis dapat dijalankan dengan Bank in order to ensure the well implementation of readiness
baik. Pelaksanaan uji coba BC Plan dilakukan pada bulan and effective business continuity strategies. BC Plan trials
Agustus dan November 2023. were conducted in August and November 2023.
3. Melaksanakan uji coba jalur komunikasi yang melibatkan 3. Performed communication pathway trials involving the leaders
pimpinan unit kerja kritikal yang ada di kantor pusat serta of critical units at the head office and Regional Operation
pejabat Regional Operation Manager, Head of Operation, Managers, Head of Operations, and/or Supervisors at branch
dan/atau Supervisor di kantor cabang. Pelaksanaan uji coba offices. Communication pathway trials were conducted in
jalur komunikasi dilakukan pada bulan Mei 2023 untuk May 2023 for branch offices and November 2023 for the
kantor cabang dan November 2023 untuk kantor pusat. head office.
4. Melaksanakan uji coba BC Plan cabang untuk Kanwil 11, 4. Conducted branch BC Plan trials for Regional Offices 11, 13,
13, dan 14 dalam memastikan perangkat genset dan UPS and 14 to ensure that generator sets and UPS devices could be
dapat digunakan dengan baik saat terjadi gangguan listrik. utilized effectively during power disruptions. Implementation
Pelaksanaan dilakukan pada bulan Oktober 2023 untuk Kanwil was carried out in October 2023 for Regional Office 11 and in
11 dan bulan November 2023 untuk Kanwil 13 dan 14. November 2023 for Regional Offices 13 and 14.
5. Melakukan simulasi dan evakuasi bencana kebakaran di 5. Conducted fire disaster simulation and evacuation at the
Kantor Pusat Thamrin (Plaza Sinarmas Land) pada hari Kamis Thamrin Head Office (Plaza Sinarmas Land) on Thursday,
tanggal 26 Oktober 2023. October 26, 2023.
6. Melakukan sosialisasi dengan mempergunakan media Sidilan 6. Conducted dissemination activity using Sidilan media to
kepada seluruh cabang dengan jabatan Head Of Operation, all branches with positions including Head of Operation,
Supervisor, Sub Branch Service Manager, Customer Sales Supervisor, Sub Branch Service Manager, Customer Sales
Service Officer, Teller, dan Security melakukan ujian tes Service Officer, Teller, and for Security conducted competency
kemampuan yang berkaitan dengan Petunjuk Pelaksanaan tests related to the Guidelines for Implementing Emergency
Rencana Tindakan Darurat (Rev. 3.0) dan Kebijakan BCM (Rev Action Plans (Rev. 3.0) and BCM Policy (Rev 5.0) in February
5.0) pada bulan Februari dan November 2023. and November 2023.
7. Melakukan sosialisasi ketentuan Petunjuk Pelaksanaan 7. Conducted dissemination of the Guidelines for Implementing
Rencana Tindak Darurat (Rev. 3.0) menggunakan media Emergency Action Plans (Rev. 3.0) using Sidilan media for all
Sidilan untuk seluruh karyawan yang dimulai dari tanggal 1 employees, starting from August 1, 2023, and ending on
Agustus 2023 dan berakhir pada 31 Desember 2023. December 31, 2023.
8. Seluruh kantor cabang menjalankan simulasi dan evakuasi 8. All branch offices conducted simulations and evacuations
dari bencana alam gempa bumi yang dilaksanakan periode for earthquakes which was carried out from November to
November sampai dengan Desember 2023. December 2023.
9. Melakukan simulasi dan evakuasi bencana kebakaran di 9. Conducted fire disaster simulation and evacuation at the Roxy
Kantor Pusat Gedung Roxy Square pada hari Senin tanggal Square Head Office building on Monday, December 18, 2023.
18 Desember 2023.
10. Membuat acara webinar dengan tema Tanggap Darurat untuk 10. Organized a webinar event with the theme "Emergency
seluruh kantor cabang yang terbagi dalam 2 batch yaitu pada Response" for all branch offices divided into 2 batches, scheduled
hari Rabu tanggal 20 Desember 2023 dan 27 Desember 2023. on Wednesday, December 20, 2023, and December 27, 2023.
Pengembangan Kompetensi [POJK51-F.22] Competency Development [POJK51-F.22]
Bank Sinarmas menyelenggarakan pelatihan pengembangan Bank Sinarmas organizes competency development training
kompetensi terkait keuangan berkelanjutan bagi karyawan pada related to sustainable finance for employees at various job levels.
berbagai jenjang jabatan. Kegiatan tersebut direalisasikan melalui These activities are implemented through e-learning methods as
metode e-learning maupun in-class di bawah tanggung jawab well as in-class sessions under the responsibility of HCM.
HCM.
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Bank telah bekerja sama dengan pihak eksternal untuk memberikan The Bank has collaborated with external parties to provide training
pelatihan maupun webinar terkait keuangan berkelanjutan. Pada and webinars related to sustainable finance. In 2023, the total cost
tahun 2023, jumlah biaya pelatihan dan pendidikan keuangan of sustainable finance training and education was Rp50,276,900.
berkelanjutan Rp50.276.900,-. Rincian pelaksanaan pelatihan Details regarding the implementation of training for the
pengembangan kompetensi terkait keuangan berkelanjutan development of competencies related to sustainable finance
bagi karyawan tahun 2023 telah diungkapkan pada uraian for employees in 2023 have been revealed in the description of
Pengembangan Kompetensi terkait Keuangan Berkelanjutan. Sustainable Finance Competency Development.
Bank juga telah memiliki beberapa program pengembangan The Bank also has several other competency development
kompetensi lainnya, seperti pelatihan untuk kebutuhan promosi programs, such as training for promotion needs or for occupying
jabatan atau menduduki jabatan tertentu, pelatihan wajib specific positions, as well as mandatory training (certification)
(sertifikasi) bagi karyawan. Pada tahun 2023, jumlah jam pelatihan for employees. In 2023, the total number of training hours
yang diikuti oleh seluruh karyawan organik atau di bawah Bank attended by all organic employees under Bank Sinarmas reached
Sinarmas mencapai 406.645,51 jam dengan rata-rata sekitar 406,645.51 hours, with an average of approximately 76.78 hours
76,78 jam/karyawan. per employee.
Pengembangan Sosial dan Social and Community Development [POJK51-F.25]
Kemasyarakatan [POJK51-F.25]
Bank Sinarmas memiliki hubungan yang erat dengan masyarakat Bank Sinarmas has a close relationship with the community
karena aktivitas bisnis yang dijalankan memengaruhi dan because its business activities affect and are influenced by the
dipengaruhi oleh masyarakat. Oleh karena itu, Bank berupaya community. Therefore, the Bank strives to make a positive
memberikan kontribusi positif kepada masyarakat, terutama di contribution to the community through various social and
wilayah operasionalnya, melalui berbagai inisiatif pengembangan community development initiatives, especially in its operational
sosial dan kemasyarakatan. [POJK51-F.23] areas. [POJK51-F.23]
Penggunaan Tenaga Kerja Lokal Use of Local Labor
Bank Sinarmas berkomitmen untuk melibatkan tenaga kerja lokal Bank Sinarmas is committed to embracing local labor in its business
dalam kegiatan usaha yang dijalankan. Hal tersebut merupakan activities. This commitment is a manifestation of supporting the
wujud dalam mendukung kesejahteraan ekonomi masyarakat. economic welfare of the community. Local labor refers to workers
Tenaga kerja lokal yang dimaksud, yakni tenaga kerja yang berasal originating from the vicinity of the Bank's operational areas.
dari sekitar wilayah operasional Bank.
Bank terus berupaya untuk meningkatkan pelibatan pihak lokal The Bank strives to increase the involvement of local stakeholders
terkait dengan keuangan berkelanjutan melalui layanan keuangan in sustainable finance through branchless financial services
tanpa kantor dalam rangka keuangan inklusi (Laku Pandai) sejak for financial inclusion (Laku Pandai), initiated since late 2015.
akhir 2015. Melalui agen-agen Laku Pandai, layanan perbankan Through Laku Pandai agents, banking services remain accessible
dapat tetap dinikmati masyarakat terutama di daerah pedesaan. to communities, especially in rural areas.
Masyarakat dapat melakukan transaksi keuangan, seperti The community can conduct financial transactions, such as
menabung, menarik uang, pembelian pulsa dan pembayaran savings, withdrawals, purchasing credit, and paying various bills
berbagai tagihan secara cepat dan aman di agen-agen Laku quickly and securely at Laku Pandai agents. As of December 31,
Pandai. Hingga 31 Desember 2023, Bank Sinarmas telah bekerja 2023, Bank Sinarmas collaborated with more than 9,260 Laku
sama dengan lebih dari 9.260 agen Laku Pandai yang tersebar di Pandai agents spread across 163 cities and regencies.
163 kota dan kabupaten.
Literasi dan Inklusi Keuangan Financial Literacy and Inclusion
Bank Sinarmas bertekad untuk meningkatkan literasi dan inklusi Bank Sinarmas is committed to enhance financial literacy and
keuangan di Indonesia. Melalui komitmen ini, Bank berusaha untuk inclusion in Indonesia. Through this commitment, the Bank strives
memberikan pemahaman yang lebih baik kepada masyarakat to provide better understanding to the public about financial
tentang pengelolaan keuangan dan memastikan akses yang lebih management and ensure more equitable access to financial
merata terhadap produk dan layanan keuangan. Inovasi digital products and services. The Bank utilizes digital innovation and
dan teknologi informasi dilakukan Bank guna mencapai tujuan ini. information technology to achieve these goals.
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Program dan kegiatan literasi dan inklusi keuangan yang The financial literacy and inclusion programs and activities
dilaksanakan oleh Bank Sinarmas selama tahun 2023, antara organized by Bank Sinarmas in 2023 included:
lain:
1. Inklusi Keuangan dan Edukasi Sinergi Pertanian dan Pariwisata 1. Financial Inclusion and Agricultural and Tourism Education
di Desa Taro, Tegallalang, Kabupaten Gianyar, Bali; Synergy in Taro Village, Tegallalang, Gianyar Regency, Bali;
2. FINEXPO 2023 di Pakuwon Mall Jogja pada Bulan Inklusi 2. FINEXPO 2023 at Pakuwon Mall Jogja during Financial
Keuangan; Inclusion Month;
3. Festival Literasi Gunung Salak #6 di TBM Lentera Pustaka, 3. Mount Salak Literacy Festival #6 at TBM Lentera Pustaka,
Desa Sukaluyu, Bogor, Jawa Barat; dan Sukaluyu Village, Bogor, West Java; and
4. Kunjungan Industri Himpunan Mahasiswa Elektronika dan 4. Industry Visit by the Association of Electronics and Informatics
Informatika Fakultas Teknik Universitas Negeri Yogyakarta dalam Students, Faculty of Engineering, Yogyakarta State University,
rangka Pembelajaran QRIS dan Produk Bank. for QRIS Learning and Bank Product Learning.
Pendidikan Education
Bank Sinarmas mendukung program pemerintah dalam Bank Sinarmas supports the government's program to improve
meningkatkan mutu pendidikan melalui program pendidikan the quality of education through inclusive education programs. It
inklusif. Hal ini dibuktikan melalui kolaborasi dengan Taman Bacaan is proven by collaboration with Community Reading Park (TBM)
Masyarakat (TBM) Lentera Pustaka yang telah dilaksanakan sejak Lentera Pustaka, which has been implemented since 2018 aiming
tahun 2018 yang bertujuan untuk menekan angka putus sekolah to reduce school dropout rates and early marriages, while also
dan pernikahan dini, di samping meningkatkan kegemaran increasing the reading interest of school-aged children in rural
membaca anak-anak usia sekolah di kampung. areas.
Kolaborasi Bank dengan TBM Lentera Pustaka telah berjalan The collaboration between the Bank and TBM Lentera Pustaka
sesuai dengan jalur dan memberikan dampak positif kepada has progressed according to plan and has positive impact on the
masyarakat. Hingga akhir tahun 2023, terdapat 15 program community. By the end of 2023, there were 15 literacy programs,
literasi dari semula hanya 1 program saja. Kelima belas program compared to just 1 program initially. These fifteen literacy programs
literasi tersebut, mencakup 1) TABA (TAman BAcaan) dengan 110 include: TABA (TAman BAcaan) with 110 active child readers from
anak pembaca aktif dari 3 desa (Sukaluyu, Tamansari, Sukajaya), 3 villages (Sukaluyu, Tamansari, Sukajaya), GEBERBURA (GErakan
2) GEBERBURA (GErakan BERantas BUta aksaRA) dengan 9 BERantas BUta aksaRA) with 9 adult learners, KEPRA (Kelas
warga belajar, 3) KEPRA (Kelas PRAsekolah) dengan 26 anak usia PRAsekolah) with 26 preschool-age children, YABI (YAtim BInaan)
prasekolah, 4) YABI (YAtim BInaan) dengan 14 anak yatim yang with 14 orphans being cared for and 4 of them receiving scholarships,
disantuni dan 4 diantarinya dibeasiswai, 5) JOMBI (JOMpo BInaan) JOMBI (JOMpo BInaan) with 12 elderly beneficiaries,TBM Ramah
dengan 12 jompo usia lanjut, 6) TBM Ramah Difabel dengan 2 Difabel with 2 disabled children, KOPERASI LENTERA with 28
anak difabel, 7) KOPERASI LENTERA dengan 28 kaum ibu agar mothers to help them avoid loan sharks and high-interest loans,
terhindar dari jeratan rentenir dan utang berbunga tinggi, 8) DonBuk (Book Donation), RABU (RAjin menaBUng) (Saving
DonBuk (Donasi Buku), 9) RABU (RAjin menaBUng), 10) LITDIG Diligently), LITDIG (LITerasi DIGital) to introduce healthy internet
(LITerasi DIGital) untuk mengenalkan cara internet sehat, 11) practices, LITFIN (LITerasi FINansial) (Financial Literacy), LIDAB
LITFIN (LITerasi FINansial), 12) LIDAB (LIterasi ADAb), 13) MOBAKE (LIterasi ADAb) (Ethical Literacy), MOBAKE (MOtor BAca KEliling)
(MOtor BAca KEliling), 14) Rooftop Baca, dan 15) Berantas Buta (Mobile Library), Rooftop Reading, and Berantas Buta Aksara Al
Aksara Al Quran. Quran (Eradicate Illiteracy in the Quran).
Program-program tersebut dijalankan dengan dukungan 5 wali These programs are organized with the support of 5 reading
baca dan 12 relawan dengan koleksi lebih dari 12.000 buku guardians and 12 volunteers with a collection of more than
bacaan. TBM Lentera Pustaka beroperasi 6 hari dalam seminggu 12,000 reading books. TBM Lentera Pustaka operates 6 days a
dan melayani tidak kurang dari 200 orang pengguna layanan week and serves no fewer than 200 service users every week.
setiap minggunya.
Kesehatan Health
Bank Sinarmas melakukan program donor darah yang bekerja Bank Sinarmas holds blood donation programs in collaboration
sama dengan Palang Merah Indonesia (PMI) setempat. Kegiatan with the Indonesian Red Cross (PMI). This activity has been carried
ini telah dilakukan secara rutin setiap tahun sebagai kontribusi out regularly every year as a contribution to providing blood for
penyediaan darah untuk keperluan transfusi kepada masyarakat transfusion purposes to the community and employees in need.
maupun karyawan yang membutuhkan. Sepanjang tahun 2023, Throughout 2023, the Bank organized this program 3 times, with
Bank telah melaksanakan program ini sebanyak 3 kali dengan a total of 255 blood bags received.
jumlah 255 kantong darah yang diterima.
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Di samping itu, Bank Sinarmas, bersama dengan Yayasan Tzu Additionally, Bank Sinarmas, together with the Tzu Chi
Chi, telah melaksanakan penyerahan secara simbolis bantuan kaki Foundation, symbolically handed over assistance in the form of
palsu berupa silicone dan socket kaki palsu kepada 1 pasien tuna silicone prosthetic legs and prosthetic leg sockets to 1 disabled
daksa yang berlokasi di Yayasan Tuna Daksa Sunter Jakarta. Pasien patient located at the Sunter Jakarta Disabled Foundation. This
ini kehilangan kakinya dikarenakan kecelakaan yang dialami. Ia patient lost the leg due to an accident. The patient was forced
terpaksa putus sekolah demi berfokus pada kesembuhan diri, to drop out of school to focus on the recovery, but remained
namun tetap tidak patah semangat berjuang untuk sembuh dan determined to fight for healing and returning to normalcy. With
kembali normal. Dengan adanya bantuan kaki palsu memberikan the assistance of prosthetic legs, the patient was given new hope
harapan baru untuk mengejar cita-cita dan produktif menjalani to pursue dreams and lead a productive life.
kehidupan.
Keagamaan Religious Affairs
Pada bidang keagamaan, Bank menyalurkan bantuan dana ke In the religious affairs, the Bank channels funds to several
sejumlah yayasan, pondok pesantren, serta masjid dan mushollah, foundations, Islamic boarding schools (pondok pesantren),
antara lain Pondok Pesantren Nurul Huda, Yayasan Al-Mabrur mosques, and prayer rooms (mushollah), including Nurul Huda
Kebalen, Masjid An-Nur (Bumisari) Jakarta Selatan, Mushollah Islamic Boarding School, Al-Mabrur Foundation in Kebalen, An-
Ar-Raudhah, Badan Amal Zakat Nasional, Pondok Pesantren Nur Mosque (Bumisari) in South Jakarta, Ar-Raudhah Mushollah,
Sa’adatuddaroin di Bandung, Jawa Barat, Pondok Pesantren National Amil Zakat Agency, Sa'adatuddaroin Islamic Boarding
Al Ittifaq, serta Pondok Pesantren Dhiyaul Qur’an. Bank juga School in Bandung, West Java, Al Ittifaq Islamic Boarding School,
memberikan sejumlah wakaf Alquran dan sumbangan hewan and Dhiyaul Qur'an Islamic Boarding School. The Bank also
kurban ke berbagai daerah dan lingkup masyarakat luas di donates a number of copies of the Quran and sacrificial animals to
Indonesia. various regions and communities across Indonesia.
Selain itu, dalam rangka bulan Ramadan di tahun 2023, Bank Additionally, during the Ramadan month in 2023, Bank Sinarmas
Sinarmas juga menjalankan Program Bingkisan Ramadhan kepada also carried out Ramadan Gift Programs for outsourced workers,
tenaga alih daya, khususnya tenaga support (security, office boy/ especially support staff (security, office boys/girls, cleaning
girl, cleaning service, driver, serta ekspedisi), Buka Puasa Bersama service, drivers, and couriers), Iftar gatherings with employees and
Karyawan dan Panti Asuhan/Pondok Pesantren, Berkah Takjil orphanages/Islamic boarding schools, Ramadan Takjil Blessings,
Ramadhan, serta Bazaar Minyak Goreng Bersama Komando and Cooking Oil Bazaar with the 0710 Military District Command
Distrik Militer 0710 di Lapangan Jetayu Pekalongan. at the Jetayu Field, Pekalongan.
Perbaikan Sarana dan Prasarana Sosial Social Facility and Infrastructure Repair
Bank Sinarmas terlibat upaya dalam perbaikan sarana dan Bank Sinarmas joins efforts to improve social infrastructure
prasarana sosial dengan tujuan menjadi mitra penting dalam with the aim of becoming a significant partner in enhancing
meningkatkan kesejahteraan masyarakat serta memperkuat community welfare and strengthening the foundation of inclusive
fondasi pembangunan yang inklusif dan berkelanjutan. Selama and sustainable development. Throughout 2023, the Bank carried
tahun 2023, sejumlah aktivitas penyaluran dana untuk proyek out a number of activities for the disbursement of funds for social
perbaikan sarana dan prasarana sosial telah dilakukan oleh Bank, infrastructure improvement projects, including:
di antaranya:
1. Corporate social responsibility (CSR) perbaikan rumah tidak 1. Corporate social responsibility (CSR) for the renovation of
layak huni Kota Solo; uninhabitable houses in Solo City;
2. CSR bantuan karpet Mushollah Ar-Raudhah; dan 2. CSR assistance for carpets for Ar-Raudhah Mushollah; and
3. Pembangunan gedung baru SMA Santo Bernardus Kota 3. Construction of a new building for St. Bernardus High School
Pekalongan. in Pekalongan City.
Program Donasi untuk Masyarakat Donation Program for Community
Sepanjang tahun 2023, Bank Sinarmas telah mengalokasikan Throughout 2023, Bank Sinarmas allocated CSER funds to
dana TJSL untuk program donasi kepada masyarakat, antara lain: donation programs for community, such as:
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• Donasi sembako untuk korban gempa Cianjur • CSR Sapi Qurban untuk Polda Metro Jaya
• Bantuan banjir di Kota Semarang oleh Bank Sinarmas KC Semarang • Kegiatan sosial bersama Polda Metro Jaya
• Bazar minyak goreng KCS Cirebon • CSR 300 karton minyak goreng kepada organisasi Bhayangkari
• CSR 2.580 liter minyak goreng kepada keluarga besar Tentara Nasional • Donasi sembako untuk Komunitas Anak Jalanan oleh Polsek Menteng
Indonesia (TNI) dan Kepolisian Republik Indonesia (Polri) • CSR Hewan Qurban 2023 melalui MNC Peduli
• CSR 1.200 liter minyak goreng kepada masyarakat Kendalpayak, Malang • Donasi Hewan Qurban Idul Adha 1444 H - Pengurus Rohani Islam PT
• Bazar minyak goreng Komando Resor Militer 071 Wijayakusuma Pegadaian
Pekalongan, Jawa Tengah • CSR 2.000 pocket sarung, minyak goreng, beras, dan gula oleh KC
• CSR 417 karton minyak goreng kepada masyarakat Jawa Timur Banyuwangi
• Donasi sembako Isra Mi’raj 1444 H untuk rumah tangga yang kurang • Qurban Sapi Idul Adha 1444 H kepada warga TBM Lentera Pustaka
mampu di wilayah Jakarta Barat • Bingkisan Ramadhan 1444 H kepada tenaga alih daya, khususnya tenaga
• CSR 840 liter minyak goreng Polsek Tanah Abang kepada masyarakat pendukung, seperti Security, Office Boy/Girl, Cleaning Service, Driver,
yang tidak mampu serta ekspedisi) yang berada di Kantor Pusat Non-Operasional (KPNO)
• CSR bantuan modal untuk UMKM Perhimpunan Perempuan Lintas Profesi Thamrin dan KPNO Roxy Square
Indonesia (PPLIPI) • Buka puasa bersama Bank Sinarmas
• CSR 670 kardus minyak goreng kepada masyarakat tidak mampu di • Berkah Takjil Ramadhan
wilayah Jawa Tengah • Sembako Hari Raya Idul Fitri
• Donasi Idul Adha Polda Metro Jaya • Donasi sembako untuk pedagang kaki lima di Jakarta Selatan
• CSR 3 ekor sapi KC Banyuwangi • Donasi sembako Yayasan Panti Sosial Anak Asuhan Ibu Yoyoh Maesaroh
• CSR 317 karton minyak goreng dan 30 dus Pristine kepada masyarakat • Donasi Sembako - Hajar Aswad Tani Indonesia
yang membutuhkan di Kabupaten Demak dan Jakarta • Bantuan kebutuhan pangan wilayah Jakarta Utara dan Jakarta Barat
• CSR Qurban Idul Adha 1444 H ke Polsek Bandara Soekarno Hatta • Dukungan peningkatan prestasi dan kesejahteraan atlet dan mantan atlet
Indonesia dengan Pasar Modal Indonesia
• Donation of basic necessities for earthquake victims in Cianjur • CSR of Cattle for sacrificial animal for Jakarta Metro Police
• Flood assistance in Semarang City by Bank Sinarmas KC Semarang • Social activities with Jakarta Metro Police
• Cooking oil bazaar by KCS Cirebon • CSR of 300 cartons of cooking oil for the Bhayangkari organization
• CSR 2,580 liters of cooking oil for the large families of the Indonesian • Basic necessities donation for Street Children Community by Menteng
National Armed Forces (TNI) and the Indonesian National Police (Polri) Police Station
• CSR 1,200 liters of cooking oil for the Kendalpayak community, Malang • 2023 Sacrificial Animal CSR through MNC Peduli
• Cooking oil bazaar by the Military Resort Command 071 Wijayakusuma • Sacrificial Animal Donation for Eid al-Adha 1444 H - Islamic Spiritual
Pekalongan, Central Java Leaders of PT Pegadaian
• CSR 417 cartons of cooking oil for the community in East Java • CSR of 2,000 sets of pocket-sized prayer rugs, cooking oil, rice, and sugar
• Basic necessities donation for Isra Mi'raj 1444 H for underprivileged by Banyuwangi Branch
households in West Jakarta area • Sacrificial Animal of Cattle for Eid al-Adha 1444 H for the residents of
• CSR 840 liters of cooking oil from Tanah Abang Police Station to the TBM Lentera Pustaka
needy community • Ramadan Hampers for 1444 H for outsourced personnel, especially
• CSR capital assistance for SMEs from the Indonesian Cross-Profession support staff such as Security, Office Boy/Girl, Cleaning Service, Driver,
Women's Association (PPLIPI) and couriers) at Thamrin Non-Operational Head Office (KPNO) and Roxy
• CSR 670 boxes of cooking oil to the underprivileged community in Square KPNO
Central Java • Iftar together with Bank Sinarmas
• Eid al-Adha donation to Jakarta Metro Police • Ramadan Takjil Blessings
• CSR 3 cattle from Banyuwangi Branch Office • Basic necessities for Eid al-Fitr
• CSR 317 cartons of cooking oil and 30 boxes of Pristine to the needy • Basic necessities donation for street vendors in South Jakarta
communities in Demak Regency and Jakarta • Basic necessities donation for the Anak Asuhan Ibu Yoyoh Maesaroh
• CSR of sacrificial animals for Eid al-Adha 1444 H to Bandara Soekarno Orphanage Foundation
Hatta Police Station • Basic necessities -Hajar Aswad Tani Indonesia
• Food needs assistance for North Jakarta and West Jakarta regions
• Support for the improvement of achievements and welfare of Indonesian
athletes and former athletes through the Indonesian Capital Market
Biaya Pengembangan Sosial dan Kemasyarakatan Social and Community Development Costs
Biaya yang dikeluarkan Bank Sinarmas untuk kegiatan The cost incurred by Bank Sinarmas for social and community
pengembangan sosial dan kemasyarakatan di tahun 2023 tercatat development activities in 2023 amounted to Rp2.48 billion.
sebesar Rp2,48 miliar.
Kepedulian terhadap Nasabah serta Produk Concern for Customers, Products and Services
dan Layanan
Menjaga hubungan baik dengan nasabah merupakan kunci Maintaining good relationships with customers is the key to
keberlanjutan usaha. Oleh karena itu, Bank Sinarmas terus business sustainability. Therefore, Bank Sinarmas continues to
meningkatkan standar pelayanan serta memastikan pemberian improve service standards and ensure equal service provision to
layanan yang setara kepada seluruh nasabah atas produk dan jasa all customers for the products and services offered. One of which
yang ditawarkan, salah satunya melalui pengembangan teknologi is through the development of information technology. Through
informasi. Melalui inisiatif tersebut, Bank berupaya meningkatkan this initiative, the Bank strives to enhance digital services with
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
layanan digital dengan fokus pada kebutuhan, kemudahan, dan a focus on the needs, convenience, and comfort of customers.
kenyamanan nasabah. [POJK51-F.17] [POJK51-F.17]
Di samping itu, inovasi serta pengembangan produk dan layanan Furthermore, innovation and product and service development
melalui transformasi digital juga dilakukan sebagai upaya dalam through digital transformation are also carried out as efforts
menunjang pelaksanaan kegiatan usaha yang berkelanjutan. to support sustainable business activities. Besides facilitating
Selain memudahkan nasabah dalam melakukan transaksi, customers in conducting transactions, these efforts also indirectly
upaya tersebut juga secara tidak langsung dapat membantu help reduce pollution and emissions levels due to decreased
pengurangan tingkat polusi dan emisi akibat berkurangnya transportation activities. [POJK51-F.26]
aktivitas transportasi. [POJK51-F.26]
Sementara itu, Untuk mendukung komunikasi dan layanan tanpa Meanwhile, to support unlimited communication and service to
batas kepada nasabah, Bank Sinarmas menyediakan layanan call customers, Bank Sinarmas provides a 24-hour call center service
center selama 24 jam yang dikenal dengan nama “Bank Sinarmas known as "Bank Sinarmas CARE." Customers can contact this
CARE”. Nasabah dapat menghubungi layanan ini melalui nomor service through the number 1500153 or (021) 501 88888. This
1500153 atau (021) 501 88888. Layanan ini siap membantu service is ready to help answer questions, provide assistance,
menjawab pertanyaan, memberikan bantuan, dan menangani and handle various issues related to Bank Sinarmas products and
berbagai masalah terkait dengan produk dan layanan Bank services.
Sinarmas.
Dampak Produk dan Layanan Keuangan Impact of Sustainable Finance Products and Services
Berkelanjutan [POJK51-F.28] [POJK51-F.28]
Komitmen terhadap penerapan keuangan berkelanjutan tercermin Commitment to sustainable finance is reflected in the Bank's
dari upaya Bank dalam mendukung Pembiayaan Kegiatan Usaha efforts to support Sustainable Business Activity Financing (KKUB).
Berkelanjutan (KKUB). Bank telah memiliki sistem audit internal The Bank has an internal audit system that conducts internal audit
yang melaksanakan aktivitas audit internal terkait dampak negatif activities related to the negative impacts resulted from KKUB
yang dihasilkan atas pembiayaan KKUB. financing.
Hingga 31 Desember 2023, Bank tidak mencatatkan dampak As of December 31, 2023, the Bank did not record any negative
negatif yang timbul akibat kegiatan bisnis keuangan berkelanjutan. impacts arising from sustainable finance business activities.
Evaluasi Keamanan Produk dan Layanan [POJK51-F.27] Product and Service Safety Evaluation [POJK51-F.27]
Bank secara rutin mengevaluasi keamanan produk dan layanan The Bank routinely evaluates the security of financial products and
keuangan sebelum diluncurkan dengan melibatkan pihak services before launching them by involving external parties, such
eksternal, seperti Bank Indonesia dan Otoritas Jasa Keuangan. as Bank Indonesia and the Financial Services Authority. The Bank
Bank juga memastikan bahwa semua produk dan layanan also ensures that all products and services comply with Financial
memenuhi regulasi Otoritas Jasa Keuangan, termasuk Undang- Services Authority regulations, including Law No. 10 of 1998 on
Undang No. 10 Tahun 1998 tentang Perubahan atas Undang- Amendments to Law No.7 of 1992 on Banking, as well as Financial
Undang No. 7 Tahun 1992 tentang Perbankan serta Peraturan Services Authority Regulation No. 22 of 2023 on Consumer and
Otoritas Jasa Keuangan No. 22 Tahun 2023 tentang Pelindungan Community Protection in the Financial Services Sector. The Bank
Konsumen dan Masyarakat di Sektor Jasa Keuangan. Bank juga also ensures customer data privacy protection by referring to Law
menjamin perlindungan privasi data nasabah dengan merujuk No. 27 of 2022 concerning Personal Data Protection and Financial
pada Undang-Undang No. 27 Tahun 2022 tentang Perlindungan Services Authority Regulation No. 22 of 2023 on Consumer and
Data Pribadi dan Peraturan Otoritas Jasa Keuangan No. 22 Tahun Community Protection in the Financial Services Sector.
2023 tentang Pelindungan Konsumen dan Masyarakat di Sektor
Jasa Keuangan.
Terkait dengan manajemen risiko, SKMR melakukan kajian risiko In term of risk management, the Risk Management Work Unit
terhadap rencana penerbitan produk dan aktivitas baru sesuai conducts risk assessments on the new products launch plan
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 tentang and activities in accordance with Financial Services Authority
Penerapan Manajemen Risiko bagi Bank Umum dan Peraturan Regulation No. 18/POJK.03/2016 on the Implementation of
Pelaksanaannya. Risk Management for Commercial Banks and its implementing
regulations.
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Business Support Overview Corporate Governance Social and Environmental Sustainability Financial Statement
Jumlah Produk yang Ditarik dan Alasannya [POJK51-F.29] Total Products Withdrawn and Reasons [POJK51-F.29]
Produk dan layanan yang ditawarkan oleh Bank Sinarmas tidak The products and services offered by Bank Sinarmas do not violate
melanggar ketentuan regulator, dilengkapi dengan sistem regulatory provisions, equipped with adequate data security
keamanan data yang memadai, dan masih diminati oleh nasabah. systems, and are still in demand by customers. Therefore, no
Dengan demikian, tidak ada produk atau layanan dari Bank yang products or services of the Bank were withdrawn from circulation
ditarik dari peredaran sepanjang tahun 2023. throughout 2023.
Survei Kepuasan Pelanggan [POJK51-F.30] Customer Satisfaction Survey [POJK51-F.30]
Bank Sinarmas mengukur tingkat kepuasan nasabah terhadap Bank Sinarmas measures customer satisfaction level regarding
informasi produk dan layanan yang diberikan melalui 2 metode the information of products and services provided through the
survei berikut. following 2 survey methods.
1. Nilai Kepuasan Nasabah Melalui Koin/Tab/Scan QR 1. Assess Customer Satisfaction Through Coins/Tabs/QR Scan
Nasabah memberikan penilaian untuk petugas Customer Customers give ratings for Customer Service & Sales Officer
Service & Sales Officer (CSSO)/Teller setiap kali mereka (CSSO)/Teller each time they complete a transaction using
selesai bertransaksi dengan menggunakan koin/tab/scan QR. coins/tabs/scan QR. The ratings consist of three categories,
Penilaian tersebut terdiri dari tiga kategori, yakni poor, good, namely poor, good, and excellent. The survey results are
dan excellent. Hasil survei ini dianalisis setiap triwulan, dengan analyzed every quarter, with the measurement results for the
hasil pengukuran untuk tahun 2023 diungkapkan sebagai year 2023 revealed as follows.
berikut.
Rata-Rata Persentase Koin Kepuasan
Average Percentage of Satisfaction Coins
dalam (%) / in (%)
Uraian Poor Good Excellent Description
Kantor Konvensional 0,004 4,560 95,436 Conventional Office
Kantor Syariah 0,000 3,235 96,765 Sharia Office
2. Customer Satisfaction Survey 2. Customer Satisfaction Survey
Bank Sinarmas melakukan survei melalui Scan QR Code di Bank Sinarmas conducted surveys through QR Code Scan at
KC/KCP/KFO, e-mail blast, dan Push Notification SimobiPlus KC/KCP/KFO, e-mail blasts, and SimobiPlus Push Notifications
yang dilakukan pada 19 Juni-4 Juli 2023, dengan hasil sebagai from June 19, to July 4, 2023, with the following results.
berikut.
Jumlah Responden
Total Respondents
Melalui E-mail, dan Push
Yang Datang ke Kantor
Uraian Notification SimobiPlus Jumlah
Respondents who Come
Description Through e-mail, and Total
to Office
SimobiPlus Push Notification
Nasabah Perseorangan / Individual Customers 3.889 485 4.374
Nasabah Korporasi / Corporate Customers 255 57 312
Jumlah 4.144 542 4.686
Nilai Hasil Survei berdasarkan Parameter (Skala 1 sampai dengan 5)
Survey Results Value based on Parameters (Scale 1 to 5)
Parameter Average
Service Process 4,80
Service Branch 4,84
Customer Engagement 4,76
Infrastruktur / Infrastructure 4,81
Mobile Banking 4,69
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Jumlah Product Favorite yang Dipilih Nasabah
Total Favorite Products selected by Customers
Tabungan / Savings 3.963
Deposito / Deposit 694
Kartu Kredit / Credit Card 243
Giro / Current Account 183
Lainnya / Others 17
Top 3 Masukan untuk Menu/Fitur SimobiPlus:
Top 3 Feedback for SimobiPlus Menu/Features:
Persentase
Kesimpulan Jumlah
Percentage
Description Total
(%)
Penambahan fitur / Added Feature 35 44,30
Untuk penggantian ke perangkat baru agar bisa dipermudah / Simpler process for new
7 8,86
device replacement
Aspek keamanan transaksi bisa ditingkatkan lagi (Misalnya menerapkan 2-MFA, kunci
ganda/pin double saat buka APK) / Increased transaction security aspects (such as 5 6,33
implementing 2-MFA, double PIN when opening APK)
Mekanisme Pengaduan Masyarakat dan Keluhan Mechanism for Public and Customer
Nasabah [POJK51-F.24] Complaints [POJK51-F.24]
Bank menyediakan kanal pengaduan bagi masyarakat apabila The Bank prepares complaint channels for the public if they
menemukan tindakan menyimpang terkait pelaksanaan program encounter deviations related to the implementation of social and
pengembangan sosial dan kemasyarakatan. Kanal tersebut juga community development programs. These channels are also used
digunakan untuk menerima keluhan dari nasabah terkait produk to receive complaints from customers regarding the products and
dan layanan yang ditawarkan Bank. services offered by the Bank.
Kanal layanan yang dimaksud, antara lain: The service channels referred to include:
1. Kantor Cabang; 1. Branch Office;
2. Bank Sinarmas CARE di Nomor 1500153/021 – 50188888 2. Bank Sinarmas CARE at Number 1500153/021 – 50188888;
3. E-mail care@banksinarmas.com; 3. Email care@banksinarmas.com;
4. Agent chat di situs web: www. banksinarmas.com; 4. Agent chat on the website: www.banksinarmas.com;
5. Facebook; 5. Facebook;
6. WhatsApp di nomor 08822-1500-153; dan 6. WhatsApp at number 08822-1500-153; and
7. Twitter dan Instagram resmi Bank Sinarmas. 7. Bank Sinarmas official Twitter and Instagram.
Laporan yang diterima Bank akan ditindaklanjuti dengan baik dan Reports received by the Bank will be followed up thoroughly
objektif, tanpa adanya diskriminasi, oleh Divisi Contact Center, and objectively, without discrimination, by the Contact Center,
Telemarketing, dan Consumer Protection dengan merujuk pada Telemarketing, and Consumer Protection Division, referring to the
kebijakan SK.022/2023/ DIRS-ContactCenter tentang standard policy SK.022/2023/ DIRS-ContactCenter regarding the standard
operating procedure (SOP) Penanganan Pengaduan Nasabah Bank operating procedure (SOP) for Handling Customer Complaints at
Sinarmas Versi. 2.0. Bank Sinarmas Rev. 2.0.
Secara umum, laporan yang diterima oleh divisi-divisi tersebut In general, reports received by these divisions are related to:
berkaitan dengan:
1. Kendala ATM (Transactional); 1. ATM issues (Transactional);
2. Mobile Banking (Sistem dan Transactional); 2. Mobile Banking (System and Transactional);
3. Internet Banking (Sistem dan Transactional); 3. Internet Banking (System and Transactional);
4. QRIS (Transactional); dan 4. QRIS (Transactional); and
5. Uang Elektronik (Transactional). 5. Electronic Money (Transactional).
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Business Support Overview Corporate Governance Social and Environmental Sustainability Financial Statement
Namun, apabila terdapat pengaduan ataupun masukan terkait However, if there are complaints or feedback regarding the positive
dampak positif dan/atau negatif dari penerapan keuangan and/or negative impacts of sustainable finance implementation,
berkelanjutan dapat disampaikan juga melalui situs web they can also be conveyed through the Financial Services
konsumen Otoritas Jasa Keuangan/Sistem Layanan Terintegrasi di Authority's Consumer Website/Integrated Service System in the
sektor jasa keuangan, media massa, media sosial, atau tatap muka financial services sector, mass media, social media, or directly at
di seluruh Kantor Cabang Bank Sinarmas. [POJK51-F.16] all Bank Sinarmas Branch Offices. [POJK51-F.16]
Sepanjang tahun 2023, Divisi Contact Center, Telemarketing, Throughout 2023, the Contact Center, Telemarketing, and
dan Consumer Protection mencatat 13.171 laporan pengaduan Consumer Protection Division recorded 13,171 complaints related
terkait produk dan layanan. Adapun jenis pengaduan yang to products and services. The types of complaints received include
diterima, antara lain mengenai kendala ATM, internet banking, issues with ATM, internet banking, mobile banking, QRIS, and
mobile banking, QRIS, dan uang elektronik. electronic money.
2023 2022 2021
Uraian Sedang Jumlah Jumlah Jumlah
Description Selesai Ditindaklanjuti Keluhan Selesai Keluhan Selesai Keluhan
Settled On Follow-up Total Settled Total Settled Total
Process Complaints Complaints Complaints
Produk dan/atau Layanan /
13.171 - 13.171 33.173 33.173 10.971 10.971
Products and/or Services
Menjalin Hubungan yang Baik dengan Mitra Establishing Good Relationship with Business
Bisnis atau Rekanan Partners or Associates
Bank melibatkan mitra bisnis atau rekanan untuk proses The Bank collaborates with business partners or associates for
pengadaan barang dan/atau jasa. Maka dari itu, Bank senantiasa the procurement process of goods and/or services. Therefore, the
menjaga hubungan baik dengan mitra bisnis atau rekanan dengan Bank always maintains good relationships with business partners
menjunjung tinggi prinsip-prinsip keadilan dan transparansi. or associates by upholding fairness and transparency principles.
Rincian terkait jumlah mitra bisnis atau rekanan diungkapkan Details regarding the number of business partners or associates
pada tabel berikut. are disclosed in the following table.
Mitra Usaha Domisili Mitra Usaha Tujuan Bermitra
Business Partners Description Partnership Objectives
Iron Mountain/PT Mitra Multifiling Indonesia Jawa Barat / West Java Jasa penyimpanan dokumen / Document storage services
PT Lion Express Jakarta Jasa pengiriman dokumen/barang / Document/parcel delivery services
PT Cipta Dekor Indah Jakarta Jasa renovasi / Renovation services
PT Cipta Lesatari Perkasa Jakarta Jasa renovasi / Printing services
CV Anugrah Cipta Jasa Jakarta Percetakan / Paper procurement
PT Mahadani Printing Arthamedia Jakarta Percetakan / Printing services
PT Buanamas Inti Gemilang Jakarta Pengadaan kertas / Paper procurement
CV Aksara Indah Jakarta Percetakan / Printing services
2023 2022 2021
Kelompok Mitra Bisnis
Proporsi terhadap Proporsi terhadap Proporsi terhadap
atau Rekanan
Jumlah Jumlah Kontrak Jumlah Jumlah Kontrak Jumlah Jumlah Kontrak
Group of Business Partners
Entitas Proportion to Total Entitas Proportion to Total Entitas Proportion to Total
or Associates
Total Entity Contract Total Entity Contract Total Entity Contract
(%) (%) (%)
Pemasok Lokal / Local Supplier 64 24,81 62 25,20 N/A N/A
Pemasok Nasional / National
194 75,19 184 74,80 N/A N/A
Supplier
Jumlah 258 100,00 246 100,00 N/A N/A
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Kepedulian terhadap Lingkungan Hidup
Concern for the Environment
Aktivitas bisnis Bank Sinarmas tidak bersinggungan langsung Bank Sinarmas' business activities do not directly impact the
dengan lingkungan hidup. Meskipun demikian, kesadaran environment. Nevertheless, awareness of the importance of
akan pentingnya faktor lingkungan hidup dalam menjalankan environmental factors in sustainable finance remains high.
keuangan berkelanjutan tetap dijunjung tinggi. Oleh karena itu, Therefore, the Bank has formulated a series of policies covering
Bank telah merumuskan serangkaian kebijakan yang mencakup the development of financial products and services as well as
pengembangan produk dan layanan keuangan serta pelestarian environmental preservation, as follows:
lingkungan hidup, sebagai berikut.
1. SK.008/2020/DIR5-GA tentang Petunjuk Pelaksanaan 1. Directive SK.008/2020/DIR5-GA on Guidelines for
Penghematan Kertas, Listrik, dan Air; Implementing Paper, Electricity, and Water Conservation
Measures.
2. M.028/2012/OPR-LA&BOS pada 27 Juni 2012 tentang Green 2. M.028/2012/OPR-LA&BOS on June 27, 2012, on Green Policy
Policy di Lingkungan Kantor PT Bank Sinarmas Tbk.; dan in the Office Environment of PT Bank Sinarmas Tbk; and
3. M.422/2012/DIR6/HCM pada 8 November 2012 tentang 3. M.422/2012/DIR6/HCM on November 8, 2012, on Smoking
Larangan Merokok di seluruh kantor Bank Sinarmas. Ban in all offices of Bank Sinarmas.
Kebijakan Keuangan Berkelanjutan Sustainable Finance Policy
Sebagai lembaga jasa keuangan, penting bagi Bank Sinarmas As a financial services institution, it is important for Bank
untuk memperhatikan proyek yang dibiayai agar senantiasa Sinarmas to ensure that financing projects always adhere to
sesuai dengan prinsip-prinsip keuangan berkelanjutan. Maka dari sustainable finance principles. Therefore, through the Sustainable
itu, melalui program pembiayaan kegiatan usaha berkelanjutan Business Activity Financing (KKUB) program, the Bank establishes
(KKUB), Bank menetapkan persyaratan khusus berupa analisis specific requirements such as conducting Environmental Impact
mengenai dampak lingkungan (AMDAL) bagi debitur dengan Assessments (AMDAL) for debtors with high environmental
risiko lingkungan tinggi. Bank juga menetapkan kebijakan terkait risks. The Bank also implements policies related to sustainability
sertifikasi keberlanjutan bagi debitur di sektor usaha tertentu, certification for debtors in certain sectors, policies for providing
kebijakan pemberian kredit usaha mikro, kecil, dan menengah micro, small, and medium-sized enterprise (MSME) loans or
(UMKM) atau kredit usaha rakyat (KUR), serta kebijakan people's business credit (KUR), as well as policies for implementing
pelaksanaan tanggung jawab sosial dan lingkungan (TJSL). social and environmental responsibility (CSER).
Di samping itu, Bank menetapkan kriteria penilaian dan identifikasi Furthermore, the Bank establishes criteria for assessing and
terhadap prospek usaha, pengelolaan risiko lingkungan atas usaha identifying business prospects and environmental risk management
yang dilakukan oleh debitur, termasuk pengelolaan limbah. Hal for activities carried out by debtors, including waste management
tersebut bertujuan untuk memastikan bahwa debitur tidak berada in order to ensure that debtors do not engage in segments or
pada segmen atau kegiatan usaha yang dilarang oleh pemerintah activities prohibited by the government or the Bank.
atau Bank.
Dengan menjunjung tinggi prinsip-prinsip keuangan By upholding sustainable finance principles, Bank Sinarmas'
berkelanjutan, kontribusi Bank Sinarmas dalam mendukung contribution to supporting the implementation of sustainable
penerapan pembangunan berkelanjutan di Indonesia, diuraikan development in Indonesia is outlined as follows.
sebagai berikut.
1. Sektor Perkebunan Sawit 1. Palm Oil Sector
Penerapan ketentuan tentang sertifikasi sawit berkelanjutan The implementation of provisions regarding Indonesian
Indonesia atau Indonesian Sustainable Palm Oil (ISPO) dan/atau Sustainable Palm Oil (ISPO) certification and/or Roundtable on
Roundtable on Sustainable Palm Oil (RSPO) sebagai kewajiban Sustainable Palm Oil (RSPO) certification as obligations for debtors
kepada debitur yang bergerak di bidang perkebunan sawit. operating in the palm oil plantation sector. Debtors are expected
Debitur diharapkan lebih memahami dan menyadari pentingnya to have a better understanding and awareness of the importance
keselarasan aspek sosial dan lingkungan dalam usahanya untuk of social and environmental aspects in their businesses to support
mendukung implementasi pembangunan berkelanjutan. the implementation of sustainable development.
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Business Support Overview Corporate Governance Social and Environmental Sustainability Financial Statement
2. Kredit Usaha Rakyat 2. People’s Business Credit
Bank Sinarmas telah dan akan terus berkontribusi dalam Bank Sinarmas has and will continue to contribute to
pembiayaan pembangunan berkelanjutan kepada masyarakat sustainable development financing for unbankable
unbankable melalui penyaluran Kredit Usaha Rakyat (KUR) communities through the distribution of People’s Business
pada sektor produksi seperti perikanan, peternakan, dan Credit (KUR) in production sectors such as fisheries, livestock
pertanian. Bank juga memberikan pendampingan dan farming, and agriculture. The Bank also provides guidance and
pembelajaran atas produk dan/atau jasa keuangan guna education on financial products and services to contribute to
memberikan kontribusi dalam pengelolaan dan memajukan the management and advancement of Indonesian community
usaha-usaha masyarakat Indonesia. businesses.
3. Pembiayaan Digital 3. Digital Financing
Seiring perkembangan teknologi informasi (TI), Bank In line with the development of information technology (IT),
Sinarmas terus meningkatkan peran dan kontribusi dalam Bank Sinarmas continues to enhance its role and contribution
literasi dan inklusi keuangan di tanah air. Kami membidik to financial literacy and inclusion in the country. We aim to
peluang perkembangan ekonomi digital di Indonesia dengan explore the opportunities of digital economic development in
mengembangkan layanan pemberian kredit secara online Indonesia by developing online credit services (digital loans)
(digital loan) untuk kebutuhan penyaluran kredit mikro for microcredit and consumer credit needs. Indirectly, digital
maupun kredit konsumer. Secara tidak langsung penyaluran credit distribution can support environmental conservation
kredit secara digital dapat mendukung upaya pelestarian alam efforts by reducing paper usage (paperless) in business
melalui pengurangan penggunaan kertas (paperless) dalam operations.
operasional usaha.
4. Pembukaan Rekening Pendaftaran 4. Registration for Opening an Account
Pembukaan rekening di Bank Sinarmas menggunakan Account opening at Bank Sinarmas is conducted using the
mekanisme PegaO2O. Inovasi ini dapat memudahkan nasabah PegaO2O mechanism. This innovation aims to facilitate
untuk memberikan kenyamanan pada proses digitalisasi customers and provide convenience in the digital account
pembukaan rekening; dan opening process; and
5. Proses Kredit Supply Chain Financing 5. Supply Chain Financing Credit Process
Pengembangan sistem pada proses Kredit Supply Chain The development of system in the Credit Supply Chain
Financing bertujuan untuk meningkatkan efisiensi dan Financing process aims to enhance efficiency and effectiveness
efektivitas yang menunjang perkembangan bisnis debitur that supports the business development of debtors through
dengan pengembangan sistem pencairan kredit (paperless) the development of a digitalized and paperless credit
dan terdigitalisasi. disbursement system.
Melalui program pembiayaan KKUB, Bank memetakan portofolio Through the Sustainable Business Activity Financing (KKUB)
penyaluran kredit menjadi 12 kategori sesuai Rencana Aksi program, the Bank has mapped the credit disbursement portfolio
Keuangan Berkelanjutan. Secara khusus, Bank juga memberikan into 12 categories according to the Sustainable Finance Action
kredit pada segmen usaha mikro kecil dan menengah (UMKM) Plan. Specifically, the Bank also provides credit to micro, small,
berupa produk yang mendukung pengurangan sumber daya alam and medium-sized enterprise (MSME) segments in the form of
dan mengurangi penggunaan kertas dengan menciptakan produk products that support natural resource reduction and reduce
Virtual Credit Card. paper usage by creating Virtual Credit Card products.
Sementara dari sisi struktur pengelola kredit, Bank telah In term of credit management structure, the Bank has separated
memisahkan fungsi pemasaran dan analisa kredit dalam the functions of marketing and credit analysis in the credit
penerimaan permohonan kredit. Hal ini dilakukan sebagai application process. This is done to maintain credit quality based on
upaya menjaga kualitas kredit berdasarkan prinsip kehati-hatian. prudential principles. Credit approval also requires approval from
Pemberian kredit juga wajib mendapatkan persetujuan dari the Credit Committee, which possesses integrity, professionalism,
Komite Kredit yang memiliki integritas, profesionalisme, serta and competence in credit management.
berkompeten di bidang perkreditan.
Realisasi Pembiayaan KKUB Realization of Sustainable Business Activity
Financing (KKUB)
Pada tahun 2023, realisasi penyaluran kredit kepada KKUB In 2023, the realization of credit disbursement to KKUB reached
mencapai Rp2,39 triliun, meningkat 0,74% dibandingkan tahun Rp2.39 trillion, an increase by 0.74% compared to Rp2.37 trillion
2022 sebesar Rp2,37 triliun. in 2022.
2023 Annual and Sustainability Report
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
dalam jutaan Rupiah, kecuali dinyatakan lain / in million Rupiah, unless otherwise stated
Uraian
2023 2022 2021
Description
Jumlah Produk yang Memenuhi Kriteria Kegiatan Usaha Berkelanjutan
Number of products that meet the criteria for sustainable business activities
a. Penghimpunan Dana / Fund Raising 2.112.628 1.187.866 1.832.520
b. Penyaluran Dana / Fund Distribution 2.390.568 2.372.966 2.388.920
Jumlah Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
a. Jumlah Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan
2.390.568 2.372.976 2.388.920
Total Credit/Financing of Sustainable Business Activities
b. Jumlah Non-Kredit/Pembiayaan Non-Kegiatan Usaha Berkelanjutan
14.907.092 13.420.826 15.972.360
Total Non-Credit/Financing of Sustainable Business Activities
Persentase Jumlah Kredit/Pembiayaan Kegiatan Usaha berkelanjutan terhadap Jumlah Kredit/
Pembiayaan Bank (%)
13,82 14,93 13,01
Percentage of Total Credit/Financing of Sustainable Business Activities to Total Bank’s Credit/
Financing (%)
Jumlah dan Kualitas Pembiayaan Berdasarkan Kategori Usaha Berkelanjutan [POJK51-F.3]
Amount and Quality of Financing Based on Sustainable Business Category
2023 2022 2021
Nilai Nilai Nilai
Uraian
(jutaan Rupiah) (jutaan Rupiah) (jutaan Rupiah)
Description NPL NPL NPL
Value Value Value
(%) (%) (%)
(millions of (millions of (millions of
Rupiah) Rupiah) Rupiah)
Energi Terbarukan
- - - - 182.110 0,00
Renewable Energy
Transportasi Ramah Lingkungan
3.489 0,00 - - - -
Environmentally Friendly Transportation
Produk yang Dapat Mengurangi
Penggunaan Sumber Daya dan
Menghasilkan Lebih Sedikit Polusi (Eco-
Efficient) 1.017 2,86 11,36 2,20 - -
Products That Can Reduce Resource
Usage and Generate Less Pollution
(Eco-efficient)
Bangunan Berwawasan Lingkungan
yang Memenuhi Standar atau Sertifikasi
yang Diakui Secara Nasional, Regional,
atau Internasional
506.500 0,00 - - - -
Environmentally Friendly Buildings
that Meet Nationally, Regionally, or
Internationally Recognized Standards or
Certifications
Kegiatan UMKM
1.879.562 2,01 2.372.965 1,52 2.206.810 1,02
MSME activities
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Business Support Overview Corporate Governance Social and Environmental Sustainability Financial Statement
Penggunaan Material yang Ramah Lingkungan The Use of Environmentally Friendly Materials
[POJK51-F.5] [POJK51-F.5]
Dalam menjalankan aktivitas operasional, Bank Sinarmas In conducting its operational activities, Bank Sinarmas is firmly
memegang teguh komitmen untuk bertindak secara bertanggung committed to acting responsibly towards the environment. One
jawab terhadap lingkungan. Salah satu aspek penting dari important aspect of this commitment is the use of environmentally
komitmen ini adalah penggunaan material yang ramah lingkungan. friendly materials. An initiative in environmental-friendly practices
Adapun inisiatif penggunaan ramah lingkungan yang telah that the bank has implemented in its operational activities is the
diterapkan Bank dalam aktivitas operasional, yakni mendorong promotion of digital transformation and the development of digital-
transformasi digital dan pengembangan sistem berbasis based systems and information technology in the application of
digital serta teknologi informasi dalam penerapan keuangan sustainable finance. In addition to reducing environmental risk,
berkelanjutan. Penggunaan sistem ini tidak hanya bertujuan the use of these systems enhances operational efficiency. Through
untuk mengurangi risiko lingkungan, seperti polusi, tetapi juga digital transformation, Bank Sinarmas can provide financial
meningkatkan efisiensi operasional. Dengan transformasi digital, services and/or products that are faster and more easily accessible
Bank Sinarmas dapat memberikan layanan dan/atau produk to customers while reducing paper usage and potentially harmful
keuangan yang lebih cepat dan mudah diakses oleh nasabah, electronic waste, thus benefiting the environment.
sekaligus mengurangi penggunaan kertas dan limbah elektronik
yang berpotensi merugikan lingkungan.
Penggunaan Energi dan Intensitas Emisi Energy Consumption and Emission Intensity
[POJK51-F.6, POJK51-F.7, POJK51- F.12, POJK51-F.12] [POJK51-F.6, POJK51-F.7, POJK51- F.12, POJK51-F.12]
Untuk memenuhi kebutuhan aktivitas operasional, Bank To meet operational activity needs, Bank Sinarmas uses two main
Sinarmas menggunakan 2 sumber daya utama, yaitu listrik dan resources, namely electricity and fuel. Electricity, obtained from
bahan bakar minyak (BBM). Penggunaan energi listrik, yang the State Electricity Company (PT PLN), is used for operating
diperoleh dari Perusahaan Listrik Negara (PT PLN), digunakan office electronic equipment, room coolers (air conditioners/AC),
untuk mengoperasikan peralatan elektronik kantor, pendingin lighting, and elevator needs. Meanwhile, fuel is obtained from the
ruangan (air conditioner/AC), penerangan, serta kebutuhan lift. nearest Gasoline Station (SPBU) outlets and is used to fulfill the
Sementara itu, BBM diperoleh dari gerai Stasiun Pengisian Bahan fuel requirements of operational vehicles and generators.
Bakar Umum (SPBU) terdekat dan digunakan untuk memenuhi
kebutuhan bahan bakar kendaraan operasional serta genset.
Dengan waktu operasional Bank yang berlaku saat ini, konsumsi With the Bank’s current operational hours, high energy
energi yang tinggi adalah hal yang tidak dapat dihindarkan. consumption is inevitable. Therefore, Bank Sinarmas prioritizes
Maka dari itu, Bank Sinarmas mengedepankan praktik-praktik energy efficiency practices to reduce environmental impact and
efisiensi energi dalam mengurangi dampak lingkungan dan preserve energy resources. The Bank adopts responsible energy
menjaga ketersediaan sumber daya energi. Bank mengadopsi pola consumption patterns, not only to reduce greenhouse gas
konsumsi energi yang bertanggung jawab, bukan sekedar untuk emissions but also to enhance operational efficiency and reduce
mengurangi emisi gas rumah kaca, tetapi juga meningkatkan long-term costs.
efisiensi operasional dan mengurangi biaya jangka panjang.
Berikut strategi yang telah Bank Sinarmas jalankan untuk Strategies applied by Bank Sinarmas to support energy efficiency
mendukung program efisiensi energi dan emisi. and emission reduction programs are as follows:
1. Pengaturan pemakaian pendingin ruangan dan lampu, serta 1. Managing air conditioning and lighting usage, as well as the
penggunaan lampu Light Emitting Diode (LED) di beberapa use of Light Emitting Diode (LED) lights in several operational
wilayah operasional. areas.
2. Penggunaan sumber energi terbarukan yang berasal dari 2. Utilizing renewable energy sources from solar panels (at
panel surya (di Kantor Cabang Klampis dan Diponegoro). Klampis and Diponegoro Branch Offices).
3. Penggunaan motor listrik sebagai pengganti kendaraan 3. Utilizing electric motorcycles as a substitute for fossil fuel
berbahan bakar fosil dalam kegiatan operasional di beberapa vehicles in operational activities at several branch offices.
kantor cabang.
4. Pelaksanaan rapat atau pertemuan secara daring sehingga 4. Implementation of online meetings to reduce the use of office
mengurangi penggunaan kendaraan operasional kantor. operational vehicles.
5. Penyediaan ruang terbuka hijau di sekitar wilayah kantor. 5. Provision of green open spaces around office areas.
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2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Biaya Penggunaan Energi
Energy Usage Cost
Satuan
Uraian 2023 2022 2021 Description
Unit
jutaan Rupiah
Listrik 2.951 3.925 5.052 Electricity
million Rupiah
jutaan Rupiah
Bahan Bakar Minyak 354 156 310 Fuel
million Rupiah
jutaan Rupiah
Jumlah 3.305 4.081 5.362 Total
million Rupiah
jutaan Rupiah
Efisiensi Biaya Penggunaan Energi 776 1.281 (2.447) Cost Efficiency of Energy Use
million Rupiah
Penggunaan Energi
Energy Usage
Satuan
Uraian 2023 2022 2021 Description
Unit
kWh 147.588 196.281 252.647
Listrik Electricity
GJ 531,32 706,61 909,53
jutaan Rupiah
Jumlah 531,32 706,61 909,53 Total
million Rupiah
GJ/jutaan Rupiah
Intensitas Energi 0,00015 0,00021 0.00027 Energy Intensity
GJ/million Rupiah
GJ/jutaan Rupiah
Efisiensi Energi 0,00006 0,00006 0,00005 Energy Efficiency
GJ/million Rupiah
Jumlah Pemakaian Listrik di Kantor Cabang Klampis dan Diponegoro (kWh)
Total Electricity Usage at Klampis and Diponegoro Branch Offices (kWh)
2023 2022 2021
Uraian
Description Panel Surya Panel Surya Panel Surya
PLN PLN PLN
Solar Panel Solar Panel Solar Panel
Klampis 8.351 11.303 31.966 10.732 35.739 10.790
Diponegoro 246.85 14.463 234.347 29.238 216.908 4.292
Emisi
Emission
Satuan
Uraian 2023 2022 2021 Description
Unit
Cakupan 2 TonCO2eq 138,73 184,50 237,49 Scope 2
Jumlah Emisi TonCO2eq 138,73 184,50 237,49 Total Emission
TonCO2eq/
jutaan Rupiah
Intensitas Emisi 0,00004 0,00006 0,00009 Emission Intensity
TonCO2eq/million
Rupiah
TonCO2eq/
jutaan Rupiah
Efisiensi Emisi 0,00002 0,00003 (0,00001) Emission Efficiency
TonCO2eq/million
Rupiah
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Business Support Overview Corporate Governance Social and Environmental Sustainability Financial Statement
Efisiensi Air [POJK51- F.8] Water Efficiency [POJK51- F.8]
Bank memanfaatkan air yang berasal dari Perusahaan Daerah Air The Bank utilizes water from the Regional Drinking Water
Minum (PDAM) untuk memenuhi keperluan kebersihan, kegiatan Company (PDAM) to fulfill cleanliness needs, religious activities,
beribadah, dan lainnya. Adapun upaya efisiensi penggunaan air and others. Efforts to efficiently use water by the bank include
yang dilakukan Bank, di antaranya mengampanyekan penggunaan campaigning for wise water use to all employees and customers,
air secara bijak kepada seluruh karyawan dan nasabah serta secara as well as periodically inspecting taps and water pipelines to
berkala melakukan pemeriksaan kran dan pipa saluran air untuk prevent leaks.
menghindari kebocoran.
Perhitungan terkait penggunaan air Bank Sinarmas dalam 3 tahun Calculations related to Bank Sinarmas' water usage over the past
terakhir diungkapkan sebagai berikut. 3 years are revealed as follows.
Satuan
Uraian 2023 2022 2021 Description
Unit
jutaan Rupiah
Biaya Penggunaan Air 39,73 26 21 Water Expense
million Rupiah
Pengelolaan Limbah [POJK51-F.13, POJK51-F.14] Waste Treatment [POJK51-F.13, POJK51-F.14]
Sebagian besar limbah yang dihasilkan dari aktivitas operasional The majority of waste generated from the Bank's operational
Bank adalah kertas. Oleh karena itu, Bank Sinarmas terus activities is paper. Therefore, Bank Sinarmas continues to promote
menyosialisasikan penerapan konsep paperless dalam aktivitas the implementation of the paperless concept in daily operational
operasional sehari-hari, terutama kepada seluruh Unit Kerja KPNO activities, especially to all units at KPNO Roxy Square.
Roxy Square.
Uraian 2023 2022 2021 Description
Jumlah Limbah Kertas (Ton) 3.75 1.71 1.86 Total Paper Waste (Ton)
Keanekaragaman Hayati [POJK51-F.9] [POJK51-F.10] Biodiversity [POJK51-F.9] [POJK51-F.10]
Wilayah operasional Bank tidak berada pada lokasi yang The operational area of the Bank is not located near or adjacent
berdekatan atau bersinggungan dengan area yang dilindungi to protected areas or areas with high biodiversity. Nonetheless,
maupun kawasan yang memiliki keanekaragaman hayati tinggi. the Bank supports green open spaces within its operational
Meskipun demikian, Bank mendukung ruang terbuka hijau di environment and promotes the implementation of a Green Office.
lingkungan operasional Bank dan mendukung pelaksanaan Green
Office.
Kegiatan TJSL Demi Peningkatan Kualitas CSER Activities to Improve Environmental
Lingkungan Hidup Quality
Pada tahun 2023, Bank Sinarmas, bekerja sama dengan In 2023, Bank Sinarmas, in collaboration with PT Songsong
PT Songsong Buwono Lestari dan Yayasan Harapan Lingkungan Buwono Lestari and the Harapan Lingkungan Hidup Foundation,
Hidup, melakukan inisiasi program kemitraan berbasis initiated a community empowerment-based partnership program
pemberdayaan masyarakat di Desa Taro, Bali. Melalui teknologi in Taro Village, Bali. Through the use of local microorganism
mikro organisme lokal (MOL), limbah peternakan diolah menjadi technology (MOL), livestock waste was processed into plant
produk briket tanam yang memiliki nilai ekonomi sehingga briquettes, which have economic value and thus contribute to the
berdampak pada peningkatan taraf ekonomi masyarakat. improvement of the community's economic status.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
515
Page 518
Ikhtisar Kinerja 2023 Laporan Manajemen Profil Perusahaan Pembahasan dan Analisis Manajemen
2023 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pelaksanaan program ini mendukung beberapa tujuan The implementation of this program supports several sustainable
pembangunan berkelanjutan (TPB) berikut. development goals (SDGs), including the following.
Anggaran TJSL [POJK51-F.4] CSER Budget [POJK51-F.4]
Rincian biaya kegiatan untuk kegiatan tanggung jawab sosial dan The following is detail of the costs for social and environmental
lingkungan (TJSL), yakni: responsibility (CSER) activities that have been realized:
dalam Rp / in Rp
Uraian 2023 2022 2021 Description
2.482.888.766 2.171.537.156
Sosial dan
(Konvensional /Conventional) (Konvensional / Conventional) 1.386.049.836 Social and Community
Kemasyarakatan
331.500.000 (UUS) 223.556.000 (UUS)
Kesehatan dan 18.802.500 18.000.000 Occupational Health
12.000.000
Keselamatan Kerja (K3) (Konvensional / Conventional) (Konvensional / Conventional) and Safety (OHS)
157.290.000 190.996.800
Pendidikan (Konvensional / Conventional) (Konvensional / Conventional) 89.217.795 Education
21.528.780 (UUS) 20.535.000 (UUS)
303.387.00 297.135.000
Lingkungan Hidup 165.390.000 Environment
(Konvensional / Conventional) (Konvensional / Conventional)
Laporan Tahunan dan Keberlanjutan 2023
516 PT. Bank Sinarmas Tbk.
Page 519
Lembar Umpan Balik [POJK51-G.3]
Feedback Form
Setelah membaca Laporan Tahunan PT Bank Sinarmas Tbk, kami mohon kesediaan para pemangku kepentingan untuk memberikan
umpan balik dengan mengirim e-mail. / After reading the Annual Report of PT Bank Sinarmas Tbk, we kindly request stakeholders to
provide feedback by sending an email.
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 company.
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 on aspects presented in this report (1 = most important, 2 = important, 3 = less important, 4 = least
important).
Nilai Ekonomi Langsung yang Dihasilkan dan Distribusikan Pengembangan Kompetensi Karyawan
Direct Economic Value Generated and Distributed Employee Competency Development
Digitalisasi Produk dan Layanan Literasi dan Inklusi Keuangan
Product and Service Digitalization Financial Literacy and Inclusion
Anti-Fraud, Anti-Korupsi, dan APU-PPT Penggunaan Energi
Anti-fraud, Anti-Corruption, and AML-CTF Energy Usage
Privasi Nasabah Penggunaan Kertas
Customer Privacy Paper Usage
Mohon berikan komentar/saran/usulan bagi laporan ini. / Please provide your comments/suggestions/ideas for this report.
………………………………………………………………………………………………………………………………………………………………………………
………………………………………………………………………………………………………………………………………………………………………………
Profil Anda / Your Profile
Nama / Name ………………………………………………………………………………………………………………………
Pekerjaan / Occupation ………………………………………………………………………………………………………………………
Institusi/Perusahaan / Institution/Companny ………………………………………………………………………………………………………………………
Kontak (telepon, e-mail) / Contact (Phone, e-mail) ………………………………………………………………………………………………………………………
Kategori Pemangku Kepentingan / Category of Stakeholder
Pemerintah / Government Pelanggan / Customer Karyawan / Employee Mitra Kerja / Business Partners
Media Masyarakat / Community LSM / NGO Lain-Lain, …. / Others
Saran dan tanggapan yang Anda berikan atas informasi yang disajikan dalam laporan ini mohon dikirimkan kepada:
Please send your suggestion and response to the information presented in this report to:
Retno Tri Wulandari Sinar Mas Land Plaza Tower I, Lt. 1 & 2
Jl. MH Thamrin Kav. 51
Sekretaris Perusahaan Jakarta 10350
Corporate Secretary T: +62 21 3199 0101
F: +62 21 3199 0401
2023 Annual and Sustainability Report
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Halaman ini sengaja dikosongkan. This page was intentionally left blank.
Page 521
Tanggapan terhadap Umpan Balik Tahun Sebelumnya [POJK51-G.4]
Response to Feedback from Previous Year’s Sustainability Report
Bank Sinarmas tidak menerima umpan balik atau masukan Bank Sinarmas did not receive feedback or input from stakeholders
dari pemangku kepentingan terkait Laporan Tahunan dan regarding the Annual and Sustainability Reports for the fiscal year
Keberlanjutan untuk tahun buku 2022. Akan tetapi, Bank 2022. However, the Bank is committed to maximizing the quality
berkomitmen untuk memaksimalkan kualitas penyampaian of the Annual and Sustainability Reports each fiscal year.
Laporan Tahunan dan Laporan Keberlanjutan setiap tahun buku.
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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Indeks Pengungkapan Kriteria Peraturan Otoritas Jasa
Keuangan No. 51/POJK.03/2017 [POJK.51-G.5]
Financial Services Authority Regulation Criteria Disclosure Index
No. 51/POJK.03/2017
No. Indeks Uraian Halaman
Index No. Description Page
Penjelasan Strategi Keberlanjutan
A.1 8
Explanation of Sustainability Strategy
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Ikhtisar Kinerja Ekonomi
B.1 18-22
Economic Performance Highlights
Ikhtisar Kinerja Lingkungan Hidup
B.2 23
Environmental Performance Highlights
Ikhtisar Kinerja Sosial
B.3 22
Social Performance Highlights
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1 56-59; 493
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 50
Company Address
Skala Perusahaan
C.3 18; 64-65; 91
Company Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 60-63
Products, Services, and Business Activities
Keanggotaan pada Asosiasi
C.5 65
Membership in Association
Perubahan Organisasi Bersifat Signifikan
C.6 51
Significant Organizational Changes
Penjelasan Direksi
Explanation from the Board of Directors
Penjelasan Direksi
D.1 38-45
Explanation from the Board of Directors
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1 493
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi terkait Keuangan Berkelanjutan
E.2 494
Competency Development related to Sustainable Finance
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
E.3 494-496
Risk Assessment of Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan
E.4 12-15
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan Berkelanjutan
E.5 496
Problems in Sustainable Finance Implementation
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1 497
Building a Sustainability Culture
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520 PT. Bank Sinarmas Tbk.
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No. Indeks Uraian Halaman
Index No. Description Page
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi
F.2 Comparison of Targets and Performance of Production, Portfolios, Financing Targets, or Investments, Income and 157
Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau Proyek
yang Sejalan dengan Keuangan Berkelanjutan
F.3 512
Comparison of Targets and Performance of Portfolio, Financing Targets, or Investments on Financial Instruments or
Projects in Line with Sustainable Finance
Kinerja Lingkungan
Environmental Performance
Umum
General
Biaya Lingkungan Hidup
F.4 516
Environmental Cost
Aspek Material
Material Aspects
Penggunaan Material yang Ramah Lingkungan
F.5 513
Use of Environmentally-Friendly Materials
Aspek Energi
Energy Aspects
Jumlah dan Intensitas Energi yang Digunakan
F.6 513-514
Amount and Intensity of Energy Used
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 513-514
Efforts and Achievement of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspects
Penggunaan Air
F.8 515
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspects
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki Keanekaragaman
F.9 Hayati 515
Impact of Operational Areas Adjacent to or in Conservation Areas or Have Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 515
Biodiversity Conservation Effort
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
F.11 513-514
Amount and Intensity of Emission Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 513-514
Efforts and Achievements of Emission Reduction Made
Aspek Limbah dan Efluen
Waste and Effluent Aspects
Jumlah Limbah dan Efluen yang Dihasilkan berdasarkan Jenis
F.13 515
Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 515
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (jika ada) Tidak Relevan
F.15
Spill (If any) Not Relevant
Aspek Pengaduan Terkait Lingkungan Hidup
Aspects of Complaints Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 509
Number and Material of Environmental Complaints Received and Resolved
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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No. Indeks Uraian Halaman
Index No. Description Page
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten, atau Perusahaan Publik untuk Memberikan Layanan Atas Produk dan/atau Jasa yang Setara
F.17 Kepada Konsumen 506
LJK, Issuer, or Public Company’s Commitment to Providing Equal Service for Products and/or Services to Consumers
Aspek Ketenagakerjaan
Manpower Aspects
Kesetaraan Kesempatan Bekerja
F.18 498
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 499
Child Labor and Forced Labor
Upah Minimum Regional
F.20 499
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21 499-501
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 501-502
Employee Training and Capacity Building
Aspek Masyarakat
Community Aspects
Dampak Operasi terhadap Masyarakat Sekitar
F.23 502
Impact of Operations on the Surrounding Communities
Pengaduan Masyarakat
F.24 508
Public Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 502
Corporate Social Environmental Responsibility (CSER) Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
F.26 506
Sustainable Finance Product/Service Innovation and Development
Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
F.27 506
Product/Services with Evaluated Customer Safety
Dampak Produk/Jasa
F.28 506
Impacts of Products/Services
Jumlah Produk yang Ditarik Kembali
F.29 507
Number of Products Recalled
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 507
Customer Satisfaction Survey on Sustainable Finance Products and/or Services
Lain-Lain
Others
Verifikasi Tertulis dari Pihak Independen (jika ada)
G.1 16
Written Verification from Independent Party (if any)
Surat Pernyataan Anggota Direksi Tentang Tanggung Jawab atas Laporan Keberlanjutan
G.2 47
Statement of Members of the Board of Directors on the Responsibility for Sustainability Reports
Lembar Umpan Balik
G.3 517
Feedback Form
Tanggapan Terhadap Umpan Balik Laporan Tahun Sebelumnya
G.4 519
Responses to Previous Year’s Report Feedback
Daftar Pengungkapan sesuai POJK 51/2017
G.5 520
List of Disclosure According to POJK 51/2017
Laporan Tahunan dan Keberlanjutan 2023
522 PT. Bank Sinarmas Tbk.
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08
LAPORAN
KEUANGAN
Financial Statement
2023 Annual and Sustainability Report
PT. Bank Sinarmas Tbk.
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PT Bank Sinarmas Tbk Laporan Keuangan/ Financial Statements Untuk Tahun-tahun yang Berakhir 31 Desember 2023 dan 2022/ For the Years Ended December 31, 2023 and 2022
Page 527
PT BANK SINARMAS TBK
DAFTAR ISI/TABLE OF CONTENTS
Halaman/
Page
Laporan Auditor Independen/
Independent Auditors’ Report
Surat Pernyataan Direksi tentang Tanggung Jawab atas Laporan Keuangan Tanggal 31 Desember
2023 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut/
The Directors’ Statement Regarding the Responsibility for the Financial Statement as at December
31, 2023 and For the Year Then Ended.
Laporan Keuangan - Untuk tahun-tahun yang berakhir tanggal 31 Desember 2023 dan 2022 /
Financial Statements - For the Year Then Ended December 31, 2023 and 2022
Laporan Posisi Keuangan/Statements of Financial Position…………………... 1-2
Laporan Laba Rugi dan Penghasilan Komprehensif Lain/
Statements of Profit or Loss and Other Comprehensive Income……………………….. 3
Laporan Perubahan Ekuitas/Statements of Changes in Equity…………….….. 4-5
Laporan Arus Kas/Statements of Cashflows…………………………………………… 6
Catatan atas Laporan Keuangan/Notes to Financial Statements……………… 7-150
Page 528
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PT BANK SINARMAS TBK PT BANK SINARMAS TBK
Laporan Posisi Keuangan Statements of Financial Position
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Catatan/
2023 Notes 2022
ASET ASSETS
Kas dan setara kas 388.102 386.167 Cash and cash equivalent
Giro pada Bank Indonesia 6.022.812 4 4.132.468 Demand deposits with Bank Indonesia
Demand deposits with other banks -
Giro pada bank lain - pihak ketiga 2.656.867 5 1.720.487 third parties
Cadangan kerugian penurunan nilai (932) (724) Allowance for impairment losses
Jumlah - bersih 2.655.935 1.719.763 Net
Penempatan pada Bank Indonesia 6 Placements with Bank Indonesia and
dan bank lain 6.263.389 4.802.974 other banks
Cadangan kerugian penurunan nilai (12) (113) Allowance for impairment losses
Jumlah - bersih 6.263.377 4.802.861 Net
Efek-efek 7 Securities
Pihak berelasi 1.140.803 515.194 Related parties
Pihak ketiga 16.991.268 18.132.067 Third parties
Jumlah 18.132.071 18.647.261 Total
Cadangan kerugian penurunan nilai (269) (498) Allowance for impairment losses
Jumlah - bersih 18.131.802 18.646.763 Net
Kredit yang diberikan dan piutang/
pembiayaan syariah 8 Loans and receivables/sharia financing
Pihak berelasi 211.039 776.034 Related parties
Pihak ketiga 16.660.407 14.724.930 Third parties
Jumlah 16.871.446 15.500.964 Total
Cadangan kerugian penurunan nilai (1.686.246) (2.121.125) Allowance for impairment losses
Jumlah - bersih 15.185.200 13.379.839 Net
Tagihan akseptasi 9 Acceptances receivable
Pihak ketiga 79.864 77.982 Third parties
Cadangan kerugian penurunan nilai (1.560) (593) Allowance for impairment losses
Jumlah - bersih 78.304 77.389 Net
Pendapatan yang masih akan diterima 326.751 10 304.040 Accrued income
Biaya dibayar dimuka 921.948 11 1.279.454 Prepaid expenses
Aset tetap - setelah dikurangi 12 Property and equipment - net of
akumulasi penyusutan sebesar accumulated depreciation of
Rp1.631.510 dan Rp1.429.275 Rp1,631,510 and Rp1,429,275 as at
masing-masing pada tanggal December 31, 2023 and 2022,
31 Desember 2023 dan 2022 1.606.075 1.508.203 respectively
Aset Ijarah - setelah dikurangi 14 Ijarah assets - net of
akumulasi penyusutan sebesar accumulated depreciation of
Rp119.251 dan Rp87.886, Rp119,251 and Rp87,886 as at
masing-masing pada tanggal December 31, 2023 and 2022,
31 Desember 2023 dan 2022 384.218 397.619 respectively
Aset pajak tangguhan - bersih 214.568 33 196.886 Deferred tax assets - net
Aset lain-lain - bersih 455.904 15 519.149 Other assets - net
JUMLAH ASET 52.634.996 47.350.601 TOTAL ASSETS
Lihat Catatan atas laporan keuangan yang merupakan bagian See accompanying notes to the financial statements which are
yang tidak terpisahkan dari laporan keuangan. an integral part of the financial statements.
-1-
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Laporan Posisi Keuangan Statements of Financial Position
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Catatan/
2023 Notes 2022
LIABILITAS, DANA SYIRKAH TEMPORER LIABILITIES, TEMPORARY SYIRKAH FUNDS
DAN EKUITAS AND EQUITY
Liabilitas Liabilities
Liabilitas segera 165.101 16 129.064 Liabilities immediately payable
Simpanan 17 Deposits
Pihak berelasi 5.918.217 3.882.425 Related parties
Pihak ketiga 29.224.368 28.514.601 Third parties
Jumlah 35.142.585 32.397.026 Total
Simpanan dari bank lain 18 Deposits from other banks
Pihak ketiga 327.445 14.149 Third parties
Efek-efek yang dijual dengan janji beli Securities sold under agreements
kembali - pihak ketiga 1.051.717 19 - to repurchase - third parties
Utang pajak 52.572 20 158.846 Taxes payable
Liabilitas akseptasi 79.880 9 78.065 Acceptances payable
Beban yang masih harus dibayar 43.816 21 29.078 Accrued expenses
Liabilitas imbalan kerja jangka panjang 35.426 39 36.141 Long-term employee benefits liability
Obligasi subordinasi - bersih 496.512 23 495.521 Subordinated bonds - net
Liabilitas lain-lain 393.854 22 209.291 Other liabilities
Jumlah Liabilitas 37.788.908 33.547.181 Total Liabilities
Dana Syirkah Temporer 24 Temporary Syirkah Funds
Simpanan Deposits
Pihak berelasi 899.014 1.373.729 Related parties
Pihak ketiga 6.104.537 4.943.280 Third parties
Jumlah 7.003.551 6.317.009 Total
Simpanan dari bank lain Deposits from other banks
Pihak ketiga 15.769 201.403 Third parties
Jumlah Dana Syirkah Temporer 7.019.320 6.518.412 Total Temporary Syirkah Funds
Ekuitas Equity
Modal saham - nilai nominal Rp100 Capital stock - Rp100
(dalam Rupiah penuh) per saham (in full Rupiah) par value per share
Modal dasar - 60.000.000.000 saham Authorized - 60,000,000,000 shares
Modal ditempatkan dan disetor - Issued and paid-up shares
19.716.162.403 saham dan 19.716.162.403 19,716,162,403 and 19,716,162,403
saham masing-masing pada tanggal shares as of December 31, 2023
31 Desember 2023 dan 2022 1.971.616 25 1.971.616 and 2022, respectively
Tambahan modal disetor - bersih 3.552.194 25 3.552.194 Additional paid-in capital - net
Dana setoran modal - 26 - Advance for shares subscription
Komponen ekuitas lainnya 588.242 7,13 118.628 Other equity components
Saldo laba Retained earnings
Ditentukan penggunaannya 9.500 40 9.000 Appropriated
Tidak ditentukan penggunaannya 1.705.216 1.633.570 Unappropriated
Jumlah Ekuitas 7.826.768 7.285.008 Total Equity
JUMLAH LIABILITAS, DANA SYIRKAH TEMPORER TOTAL LIABILITIES, TEMPORARY SYIRKAH
DAN EKUITAS 52.634.996 47.350.601 FUNDS AND EQUITY
Lihat Catatan atas laporan keuangan yang merupakan bagian See accompanying notes to the financial statements which are
yang tidak terpisahkan dari laporan keuangan. an integral part of the financial statements.
-2-
Page 539
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Laporan Laba Rugi dan Penghasilan Statements of Profit or Loss and Other
Komprehensif Lain Comprehensive Income
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Catatan/
2023 Notes 2022
PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUES AND EXPENSES
Pendapatan bunga 2.781.795 27 2.527.616 Interest revenues
Pendapatan syariah 734.016 27 770.841 Sharia income
Beban bunga (632.923) 28 (566.923) Interest expense
Beban syariah (259.569) 28 (198.887) Sharia expenses
Interest Revenues and Profit Sharing
Pendapatan Bunga dan Bagi Hasil - Bersih 2.623.319 2.532.647 Income - Net
Pendapatan Operasional Lainnya Other Operating Revenues
Provisi dan komisi selain dari Fees and commissions other than
kredit 425.536 2 576.765 from loans
Keuntungan kurs mata uang asing - bersih 76.312 33.649 Gain on foreign exchange - net
Keuntungan dari kenaikan nilai wajar efek-efek Gain on increase in fair value of securities
yang diukur melalui laba rugi - bersih 67.541 7 11.189 at fair value through profit and loss - net
Keuntungan dari penjualan efek-efek yang diukur Gain on sale of fair value of securities
melalui laba rugi - bersih - 7 18.199 at fair value through profit and loss - net
Penerimaan kembali aset yang
telah dihapusbukukan 123.196 88.705 Recovery of written-off assets
Lain-lain 233.480 31 31.676 Others
Jumlah Pendapatan Operasional 3.549.384 3.292.830 Total Operating Revenues
Beban Operasional Lainnya Other Operating Expenses
Kerugian penurunan nilai aset keuangan 895.494 599.193 Impairment losses on financial assets
Umum dan administrasi 1.196.199 29 1.129.748 General and administrative expenses
Tenaga kerja 1.018.965 30 903.294 Personnel expenses
Penyusutan aset tetap 267.244 12 250.324 Depreciation - property and equipment
Biaya komisi 33.303 39.669 Commission expense
Kerugian dari penjualan efek-efek yang diukur Loss on sale of fair value of securities
melalui laba rugi - bersih 7.725 7 - at fair value through profit and loss - net
Lain-lain 56.876 32 93.391 Others
Jumlah Beban Operasional 3.475.806 3.015.619 Total Operating Expenses
LABA SEBELUM PAJAK 73.578 277.211 PROFIT BEFORE TAX
BEBAN (MANFAAT) PAJAK 33 TAX (BENEFIT) EXPENSE
Kini 78.960 182.184 Current
Tangguhan (1.904) (126.133) Deferred
Penyesuaian tahun lalu (79.274) - Previous year adjustment
(2.218) 56.051
LABA BERSIH 75.796 221.160 PROFIT FOR THE YEAR
PENGHASILAN (RUGI) KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME (LOSS)
Pos yang akan direklasifikasi Item that will be reclassified subsequently to
ke laba rugi profit or loss
Laba (Rugi) yang belum direalisasi atas perubahan Unrealized gain (loss) on change in fair value
nilai wajar dari efek-efek yang diukur melalui of securities at fair value through other
penghasilan komprehensif lain 368.028 7 (293.717) comprehensive income
Pajak sehubungan dengan pos yang Tax relating to items that will be
akan direklasifikasi 15.211 33 5.021 reclassified
383.239 (288.696)
Pos yang tidak akan direklasifikasi ke laba rugi -
bersih setelah dampak pajak tangguhan Items that will not be reclassified to profit or loss
Revaluasi aset tetap 86.375 12 - Gain on revaluation of property and equipment
Pengukuran kembali liabilitas imbalan kerja Remeasurement of long-term employee
jangka panjang (4.217) 39 (8.484) benefits liability
Pajak sehubungan dengan pos yang tidak Tax relating to items that will not be
akan direklasifikasi 567 33 1.612 reclassified
82.725 (6.872)
JUMLAH LABA (RUGI) TOTAL OTHER COMPREHENSIVE
KOMPREHENSIF LAIN 465.964 (295.568) INCOME (LOSS)
JUMLAH LABA (RUGI) KOMPREHENSIF 541.760 (74.408) TOTAL COMPREHENSIVE INCOME (LOSS)
LABA BERSIH PER SAHAM*) EARNINGS PER SHARE*)
(dalam Rupiah penuh) 34 (in full Rupiah)
Dasar 3,84 11,22 Basic
Lihat Catatan atas laporan keuangan yang merupakan bagian See accompanying notes to the financial statements which are
yang tidak terpisahkan dari laporan keuangan. an integral part of the financial statements.
-3-
Page 540
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Laporan Perubahan Ekuitas Statements of Changes in Equity
Untuk Tahun-tahun yang Berakhir 31 Desember 2023 dan 2022 For the Years Ended December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Komponen Ekuitas Lainnya/Other Equity Components
Laba (Rugi) yang
Belum Direalisasi
atas Perubahan Surplus
Nilai Wajar Efek/ Revaluasi
Tambahan Modal Dana Setoran Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs
Disetor - Bersih/ Modal/ on Change in Revaluation Ditentukan Tidak Ditentukan
Catatan/ Modal Saham/ Addition Paid Advance for Shares Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Jumlah Ekuitas/
Notes Capital Stock in Capital Subscriptions Securities and Equipment Appropriated Unappropriated Total Equity
Saldo pada tanggal 1 Januari 2022/
Balance as of January 1, 2022 1.746.180 2.368.655 1.408.975 13.581 393.743 8.500 1.419.782 7.359.416
Pembentukan cadangan umum/
Appropriation for general reserve 40 - - - - - 500 (500) -
Penambahan dana setoran modal dari
konversi Waran Seri III
Advance for shares subscriptions
from conversion of Series III Warrants 25,26 225.436 1.183.539 (1.408.975) - - - - -
Laba tahun berjalan/
Profit for the year - - - - - - 221.160 221.160
Penghasilan (rugi) komprehensif lain/
Other comprehensive income (loss)
Rugi yang belum direalisasi atas perubahan
nilai wajar efek-efek yang diukur pada
nilai wajar melalui penghasilan
komprehensif lain - bersih/
Unrealized loss on change in fair value of
securities measured at fair value through
other comprehensive income - net 7,33 - - - (288.696) - - - (288.696)
Pengukuran kembali liabilitas imbalan
kerja jangka panjang - bersih/
Remeasurement of long - term
employee benefits liability - net 33,39 - - - - - - (6.872) (6.872)
Saldo pada tanggal 31 Desember 2022/
Balance as of December 31, 2022 1.971.616 3.552.194 - (275.115) 393.743 9.000 1.633.570 7.285.008
Lihat Catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan See accompanying notes to the financial statements which are an integral part of the financial
keuangan. statements.
- 4-
Page 541
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Laporan Perubahan Ekuitas Statements of Changes in Equity
Untuk Tahun-tahun yang Berakhir 31 Desember 2023 dan 2022 For the Years Ended December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Komponen Ekuitas Lainnya/Other Equity Components
Laba (Rugi) yang
Belum Direalisasi
atas Perubahan Surplus
Nilai Wajar Efek/ Revaluasi
Tambahan Modal Dana Setoran Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs
Disetor - Bersih/ Modal/ on Change in Revaluation Ditentukan Tidak Ditentukan
Catatan/ Modal Saham/ Addition Paid Advance for Shares Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Jumlah Ekuitas/
Notes Capital Stock in Capital Subscriptions Securities and Equipment Appropriated Unappropriated Total Equity
Saldo pada tanggal 1 Januari 2023/
Balance as of January 1, 2023 1.971.616 3.552.194 - (275.115) 393.743 9.000 1.633.570 7.285.008
Pembentukan cadangan umum/
Appropriation for general reserve 40 - - - - - 500 (500) -
Laba tahun berjalan/
Profit for the year - - - - - - 75.796 75.796
Penghasilan (rugi) komprehensif lain/
Other comprehensive income (loss)
Rugi yang belum direalisasi atas perubahan
nilai wajar efek-efek yang diukur pada
nilai wajar melalui penghasilan
komprehensif lain - bersih/
Unrealized loss on change in fair value of
securities measured at fair value through
other comprehensive income - net 7,33 - - - 383.239 - - - 383.239
Pengukuran kembali liabilitas imbalan
kerja jangka panjang/
Remeasurement of long - term
employee benefits liability - net 33,39 - - - - - - (3.650) (3.650)
Surplus revaluasi aset tetap/
Revaluation surplus of property & equipment 12 - - - - 86.375 - 86.375
Saldo pada tanggal 31 Desember 2023/
Balance as of December 31, 2023 1.971.616 3.552.194 - 108.124 480.118 9.500 1.705.216 7.826.768
Lihat Catatan atas laporan keuangan yang merupakan bagian yang tidak terpisahkan dari laporan See accompanying notes to the financial statements which are an integral part of the financial
keuangan. statements.
- 5-
Page 542
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Laporan Arus Kas Statements of Cash Flow
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Catatan/
2023 Notes 2022
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM OPERATING ACTIVITIES
Pendapatan bunga 2.766.341 10,27 2.530.370 Interest revenues
Pendapatan syariah 825.965 10,27 876.013 Sharia income
Pendapatan operasional lainnya 658.322 31 714.902 Other operating income
Beban bunga (622.726) 21,28 (558.965) Interest expenses
Beban syariah (254.037) 21,28 (200.380) Sharia expenses
Kerugian selisih kurs
mata uang asing - bersih 228.376 (321.373) Loss on foreign exchange - net
Pembayaran pajak penghasilan badan (189.791) 33 (53.076) Payment of corporate income tax
Beban umum dan administrasi (1.199.899) 29 (1.129.930) General and administrative expenses
Beban tenaga kerja (1.018.965) 30 (903.294) Salaries expense
Beban operasional lainnya (248.442) 32 (200.710) Other operational expenses
Arus kas operasional sebelum perubahan Operating cash flow before changes in operating
aset dan liabilitas operasi 945.144 753.557 assets and liabilities
Penurunan (kenaikan) aset operasi: Decrease (increase) in operating assets :
Efek-efek 943.036 7 (4.347.166) Securities
Efek yang dibeli dengan janji dijual kembali - 1.672.987 Securities purchased under agreements to resell
Kredit yang diberikan (508.345) 8 398.056 Loans
Pembiayaan syariah (2.000.631) 8 2.032.756 Sharia financing
Pembayaran tagihan akseptasi (1.882) 9 171.829 Payment of acceptance receivables
Biaya dibayar dimuka 357.505 11 321.992 Prepaid expenses
Aset ijarah (85.805) 14 (97.421) Ijarah assets
Aset lain-lain 25.120 15 (129.521) Other assets
Kenaikan (penurunan) liabilitas operasi: Increase (decrease) in operating liabilities :
Liabilitas segera 36.037 16 12.875 Liabilities immediately payable
Simpanan 2.745.559 17 (5.564.529) Deposits
Simpanan dari bank lain 313.296 18 (65.094) Deposits from other banks
Utang pajak 4.557 20 (7) Taxes payable
Efek yang dijual dengan janji beli kembali 1.051.717 19 - Securities sold under agrements to repurchase
Liabilitas akseptasi 1.815 9 (172.359) Acceptances payables
Liabilitas lain-lain 300.664 22 7.064 Other liabilities
Kenaikan (penurunan) dana syirkah Increase (decrease) in syirkah
temporer: 24 temporary funds:
Simpanan 686.542 (190.354) Deposits
Simpanan dari bank lain (185.634) 195.870 Deposits from other banks
Kas Bersih Diperoleh dari (Digunakan untuk)
Aktivitas Operasi 4.628.695 (4.999.465) Net Cash Provided by (Used for) Operating Activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIES
Hasil penjualan aset tetap 824 12 521 Proceeds from sale of property and equipment
Perolehan aset tetap (189.091) 12 (119.946) Acquisitions of property and equipment
Kas Bersih Digunakan untuk Aktivitas Investasi (188.267) (119.425) Net Cash Used in Investing Activities
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIES
Pembayaran liabilitas sewa (111.120) 22 (97.741) Payment of lease liabilities
Penerimaan obligasi subordinasi - 23 495.040 Proceeds from subordinated bonds
Kas Bersih (Digunakan untuk)
Diperoleh dari Aktivitas Pendanaan (111.120) 397.299 Net Cash (Used for) Provided by Financing Activities
KENAIKAN (PENURUNAN) BERSIH NET INCREASE (DECREASE) IN CASH
KAS DAN SETARA KAS 4.329.308 (4.721.591) AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT THE
KAS DAN SETARA KAS AWAL PERIODE 11.042.096 15.452.929 BEGINNING OF THE PERIOD
Pengaruh perubahan kurs mata uang asing (40.234) 310.758 Effect on foreign exchange rate changes
CASH AND CASH EQUIVALENTS AT END OF
KAS DAN SETARA KAS AKHIR PERIODE 15.331.170 11.042.096 THE PERIOD
PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL DISCLOSURES
Kas dan Setara Kas terdiri dari: Cash and Cash Equivalents Consist of :
Kas 388.102 386.167 Cash
Giro pada Bank Indonesia 6.022.812 4 4.132.468 Demand deposits with Bank Indonesia
Giro pada bank lain 2.656.867 5 1.720.487 Demand deposits with other banks
Penempatan pada Bank Indonesia
dan bank lain - jangka waktu jatuh Placements with Bank Indonesia and other bank
tempo tiga bulan atau kurang sejak - original maturities of three months or less
tanggal perolehan 6.263.389 6 4.802.974 from the acquisition date
Jumlah Kas dan Setara Kas 15.331.170 11.042.096 Total Cash and Cash Equivalents
Lihat Catatan atas laporan keuangan yang merupakan bagian See accompanying notes to the financial statements which are
yang tidak terpisahkan dari laporan keuangan. an integral part of the financial statements.
- 6-
Page 543
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
1. Umum 1. General
a. Pendirian dan Informasi Umum a. Establishment and General Information
PT Bank Sinarmas Tbk (“Perusahaan”) PT Bank Sinarmas Tbk (“the Company”) was
didirikan pada tahun 1989 dengan nama PT established in 1989 as PT Bank Shinta
Bank Shinta Indonesia, berdasarkan Akta Indonesia, based on Notarial Deed No. 52
No. 52 tanggal 18 Agustus 1989 dari dated August 18, 1989 of Buniarti Tjandra,
Buniarti Tjandra, S.H., notaris di Jakarta, S.H., public notary in Jakarta, as amended by
dan telah diubah dengan Akta No. 91 Notarial Deed No. 91 dated
tanggal 15 September 1989 dari notaris September 15, 1989, of the same notary. The
yang sama. Akta pendirian ini telah Deed of Establishment was approved by the
mendapat pengesahan dari Menteri Minister of Justice of the Republic of
Kehakiman Republik Indonesia melalui Indonesia in his Decision Letter
Surat Keputusan No. C2-9142.HT.01.01- No. C2-9142.HT.01.01-TH.89 dated
TH.89 tanggal 27 September 1989 dan September 27, 1989 and published in
diumumkan dalam Berita Negara Republik Supplement No. 6448 of the State Gazette of
Indonesia No. 49 tanggal 21 Juni 2005, the Republic of Indonesia No. 49 dated June
Tambahan No. 6448. 21, 2005.
Pada tanggal 26 Januari 2007, Perusahaan On January 26, 2007, the Company has
berganti nama menjadi PT Bank Sinarmas. changed its name into PT Bank Sinarmas.
Perubahan nama tersebut telah disetujui The said change was approved during the
melalui Rapat Umum Pemegang Saham Extraordinary General Meeting of
Luar Biasa Perusahaan yang stockholders of the Company which
didokumentasikan dalam Akta No. 1 tanggal resolution was stated in Notarial Deed No. 1
21 November 2006 dari Triphosa Lily dated November 21, 2006 of Triphosa Lily
Ekadewi, S.H., notaris di Jakarta. Ekadewi, S.H., public notary in Jakarta.
Perubahan Anggaran Dasar tersebut telah The amendment to the Articles of Association
memperoleh persetujuan dari Menteri was approved by the Minister of Law and
Hukum dan Hak Asasi Manusia Republik Human Rights of the Republic of Indonesia in
Indonesia dengan Surat Keputusannya No. his Decision Letter No. W7-03960 HT.01.04-
W7-03960 HT.01.04-TH.2006 tanggal 20 TH.2006 dated December 20, 2006. Such
Desember 2006. Perubahan nama tersebut change in name was approved by Bank
juga telah mendapat persetujuan dari Bank Indonesia based on its Decision Letter
Indonesia berdasarkan Keputusan No. 9/4/KEP.GBI/2007 dated January 22,
Gubernur Bank Indonesia No.9/4/ 2007, wherein the Business License Under
KEP.GBI/2007 tanggal 22 Januari 2007 the Name of PT Bank Shinta Indonesia was
tentang Perubahan Izin Usaha Atas Nama changed to Business License Under the
PT Bank Shinta Indonesia menjadi Izin Name of PT Bank Sinarmas.
Usaha Atas Nama PT Bank Sinarmas.
Berdasarkan Akta No. 1 tanggal 8 Oktober In accordance with the Notarial Deed No. 1
2009 dari Endang Saritomo Utari, S.H., dated October 8, 2009 of Endang Saritomo
notaris di Jakarta, terdapat perubahan Utari, S.H., public notary in Jakarta, there are
Anggaran Dasar dalam rangka changes to the Articles of Association in
melaksanakan kegiatan usaha berdasarkan order to carry out business activities based
prinsip perbankan syariah dan on sharia banking principles and the
perpanjangan masa jabatan direksi dan extension of terms of office of the directors
komisaris. Perubahan ini telah disetujui oleh and commissioners. These amendments
Menteri Hukum dan Hak Asasi Manusia were approved by the Minister of Law and
Republik Indonesia dalam Surat Keputusan Human Rights of the Republic of Indonesia in
No. AHU-AH.01.10-22484. Tahun 2009 his Decree No. AHU-AH.01.10-22484. Tahun
tanggal 11 Desember 2009. 2009 dated December 11, 2009.
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Berdasarkan Rapat Umum Pemegang In the General Stockholders ' Meeting (GSM)
Saham (RUPS) tanggal 6 April 2010 yang held on April 6, 2010, which was stated in the
didokumentasikan dalam Akta No. 31 Deed. No. 31 dated April 6, 2010 from
tanggal 6 April 2010 dari Sutjipto, S.H., Mkn, Sutjipto, SH., Mkn, public notary in Jakarta,
notaris di Jakarta, pemegang saham the Shareholders approved splitting the
menyetujui pemecahan nilai nominal saham number of shares from Rp500,000 (in full
Perusahaan dari Rp500.000 (dalam Rupiah Rupiah) per share into Rp100 (in full Rupiah)
penuh) per saham menjadi Rp100 (dalam per share and changing the status of the
Rupiah penuh) per saham dan perubahan Company to become a Public Company
status Perusahaan menjadi Perusahaan under the name PT Bank Sinarmas Tbk.
Terbuka (Tbk) dengan nama PT Bank These changes were approved by the
Sinarmas Tbk. Perubahan tersebut telah Ministry of Law and Human Rights of the
mendapat pengesahan dari Menteri Hukum Republic of Indonesia in his Decision Letter
dan Hak Asasi Manusia Republik Indonesia No. AHU-22745.AH.01.02 Tahun 2010 dated
dengan Surat Keputusan No. AHU- May 4, 2010 and were reported to Bank
22745.AH.01.02 Tahun 2010 tanggal 4 Mei Indonesia by Letter No.
2010 serta telah dilaporkan kepada Bank SKL.121/2010/PRESDIR-CorpSec dated
Indonesia melalui surat No. May 7, 2010.
SKL.121/2010/PRESDIR-CorpSec tanggal
7 Mei 2010.
Anggaran Dasar Perusahaan telah The articles of association have been
mengalami beberapa kali perubahan, amended several times, with the latest
dimana perubahan terakhir dilakukan amendment effected by Notarial Deed
dengan Akta No. 134 tanggal 27 Juni 2023, No. 134 dated June 27, 2023 of Aulia
yang dibuat di hadapan Notaris Aulia Taufani, S.H. The amendment has been
Taufani, S.H. Perubahan tersebut telah approved by the Minister of Law and Human
disetujui oleh Menteri Hukum dan Hak Asasi Rights of the Republic of Indonesia in Decree
Manusia Republik Indonesia dalam Surat No. AHU-AH.01.09-0134921 dated July 4,
Keputusan No. AHU-AH.01.09-0134921 2023.
tanggal 4 Juli 2023.
Kantor pusat Perusahaan beralamat di The Company’s head office is located at
Sinarmas Land Plaza, Menara I, Jln. M.H. Sinarmas Land Plaza, Tower I, Jln. M.H.
Thamrin No. 51, Jakarta. Perusahaan Thamrin No. 51, Jakarta. The Company has
memiliki 1 kantor cabang utama, 67 kantor 1 main branch, 67 branches, 64 functional
cabang, 64 kantor fungsional operasional, sub-branch, 11 functional offices Micro and
11 kantor fungsional Usaha Mikro dan Kecil Small Enterprises (UMK), 191 sub-branches,
(UMK), 191 kantor cabang pembantu, 31 31 sharia branches, 10 sharia sub-branches
kantor cabang syariah, 10 kantor cabang and 3 cash mobile, all located in Indonesia.
pembantu syariah, dan 3 mobil kas keliling
yang semuanya berlokasi di Indonesia.
PT Sinar Mas Multiartha (SMMA) Tbk PT Sinar Mas Multiartha Tbk (SMMA) is the
merupakan entitas induk Perusahaan yang immediate holding entity of the Company that
didirikan di Indonesia. is incorporated in Indonesia.
Pemegang saham akhir (ultimate As at December 31, 2023 and 2022, the
shareholder) Perusahaan pada tanggal 31 ultimate shareholder of the Company is PT
Desember 2023 dan 2022 adalah PT Sinarmas Cakrawala.
Sinarmas Cakrawala.
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Page 545
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Sesuai dengan pasal 3 Anggaran Dasar, In accordance with article 3 of the Company’s
maksud dan tujuan didirikannya Articles of Association, the purpose and
Perusahaan adalah untuk menjalankan objective establishing the company is to
usaha di bidang perbankan. engage in the field of banking.
Perusahaan mulai beroperasi secara The Company started its commercial
komersial pada tanggal 16 Februari 1990, operations on February 16, 1990, based on
sesuai dengan izin usaha yang diberikan the business license granted by the Minister
oleh Menteri Keuangan Republik Indonesia of Finance of the Republic of Indonesia in his
dalam Surat Keputusan No. 156/KMK.013/ Decision Letter No. 156/KMK.013/1990
1990 tanggal 16 Februari 1990. Sesuai dated February 16, 1990. Pursuant to Bank
dengan Surat Keputusan Bank Indonesia Indonesia’s Decree No. 27/156/KEP/DIR
No. 27/156/KEP/DIR tanggal 22 Maret 1995, dated March 22, 1995, the Company is
Perusahaan memperoleh peningkatan authorized to operate as a Foreign Exchange
status menjadi Bank Devisa. Bank.
Perusahaan memperoleh izin usaha The Company obtained its business license
perbankan berdasarkan prinsip syariah activities to be based on principles of islamic
berdasarkan surat keputusan Deputi banking through decision letter of Deputy
Gubernur Bank Indonesia No. 11/13/ Governor of Bank Indonesia No. 11/13/
KEP.DpG/2009 tanggal 27 Oktober 2009. KEP.DpG/2009 dated October 27, 2009.
Pada tanggal 30 Januari 2012, Perusahaan On January 30, 2012, the Company received
memperoleh Surat Keputusan No. KEP- a Decision Letter No. KEP-21/BL/2012 from
21/BL/2012 dari Ketua Badan Pengawas the Capital Market and Financial Institution
Pasar Modal dan Lembaga Keuangan Supervisory Agency regarding the approval
mengenai persetujuan Perusahaan sebagai for the Company as a custodian in capital
kustodian di pasar modal. market.
Perusahaan memperoleh izin sebagai wali The Company obtained permission as a
amanat dari Otoritas Jasa Keuangan trustee from the Financial Services Authority
(dahulu Badan Pengawas Pasar Modal dan (formerly the Capital Markets and Financial
Lembaga Keuangan) berdasarkan Institutions Supervisory Agency) based on a
Surat Tanda Terdaftar Sebagai Wali Certificate of Registration as a Trustee
Amanat No. 01/BL/STTD-WA/2009 tanggal No. 01/BL/STTD-WA/2009 dated August 27,
27 Agustus 2009. 2009.
Kedua izin kegiatan tersebut telah Both activity permits have been renewed in
diperbarui sesuai surat Otoritas Jasa accordance with the Financial Services
Keuangan (OJK) nomor S-682/PM.223/ Authority (OJK) letter number
2022 tanggal 22 Agustus 2022. S-682/PM.223/2022 dated August 22, 2022.
b. Penawaran Umum Efek Perusahaan b. Public Offering of Shares
Pada tanggal 29 November 2010, On November 29, 2010, the Company
Perusahaan memperoleh pernyataan efektif obtained the Notice of Effectivity from the
dari Ketua Badan Pengawas Pasar Modal Chairman of the Capital Market and Financial
dan Lembaga Keuangan (Bapepam dan LK) Institutions Supervisory Agency (Bapepam –
atau sekarang Otoritas Jasa Keuangan LK) or currently Financial Services Authority
(OJK) melalui surat No. S-10683/BL/2010 (OJK) in his letter No. S-10683/BL/ 2010 for
untuk penawaran umum perdana atas 1.600 the initial public offering (IPO) of the 1,600
lembar saham Perusahaan dengan nilai new shares with par value of Rp100 (in full
nominal Rp100 (dalam Rupiah penuh) per Rupiah) per share at offering price of Rp150
saham pada harga penawaran Rp150 (in full Rupiah) per share with attached
(dalam Rupiah penuh) per saham dimana 1,920,000,000 Series I Warrants (Note 26).
melekat 1.920.000.000 waran Seri I
(Catatan 26).
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Page 546
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Setiap pemegang 5 (lima) saham baru Each holder of five (5) new shares of the
Perusahaan berhak memperoleh 6 (enam) Company is entitled to six (6) warrants where
waran dimana setiap 1 (satu) waran each one (1) warrant entitles the holder to
memberikan hak kepada pemegangnya purchase one (1) new share of the Company
untuk membeli 1 (satu) saham baru at exercise price of Rp150 (in full Rupiah) per
Perusahaan dengan harga pelaksanaannya share, which can be exercised from June 13,
sebesar Rp150 (dalam Rupiah penuh) per 2011 until December 13, 2015.
saham, yang dapat dilakukan mulai tanggal
13 Juni 2011 sampai dengan tanggal 13
Desember 2015.
Penawaran umum perdana (IPO) saham The Company’s Initial Public Offering (IPO)
Perusahaan telah mendapat persetujuan was approved by Bank Indonesia
dari Bank Indonesia melalui surat in its Letter No. 12/52/DPB3/TPB 3 - 1
No. 12/52/DPB3/TPB 3 - 1 tanggal dated August 5, 2010. On December 13,
5 Agustus 2010. Saham dan waran 2010, the Company’s shares and warrants
Perusahaan telah tercatat di Bursa Efek have been listed on the Indonesia Stock
Indonesia pada tanggal 13 Desember 2010. Exchange.
Pada tanggal 15 Juni 2012, Perusahaan On June 15, 2012, the Company obtained the
memperoleh Pernyataan Efektif dari Notice of Effectivity from the Chairman
Ketua Bapepam dan LK (sekarang OJK) Bapepam - LK (now OJK) in his letter No. S-
melalui surat No. S-7561/BL/2012 untuk 7561/BL/2012 for the Limited Public Offering
Penawaran Umum Terbatas I (PUT I) I (PUT I) with preemptive rights to
kepada Pemegang Saham dengan Hak Stockholders for 1,203,186,138 common
Memesan Efek Terlebih Dahulu (HMETD) shares with par value of Rp100 (in full
atas 1.203.186.138 lembar Saham Biasa Rupiah) per share at exercise price of Rp250
Atas Nama dengan nilai nominal Rp100 (in full Rupiah) per share with attached
(dalam Rupiah penuh) per saham dengan 2,996,614,532 Series II Warrants (Note 26).
harga pelaksanaan Rp250 (dalam Rupiah Every holder of 400 existing shares has 53
penuh) per saham dimana melekat pre-emptive rights to purchase 53 new
2.996.614.532 waran Seri II (Catatan 26). shares, wherein for every 53 new shares, 132
Setiap pemegang 400 saham lama berhak Series II Warrants is attached, free of charge.
atas 53 HMETD untuk membeli 53 saham Series II Warrants were given as incentives
baru, dimana pada setiap 53 saham baru to stockholders to purchase new shares at a
melekat 132 Waran Seri II yang diberikan par value of Rp100 (in full Rupiah) per share,
oleh Perusahaan secara cuma-cuma. with exercise price of Rp250 (in full Rupiah)
Waran Seri II diberikan sebagai insentif per share, which can be exercised from
kepada pemegang saham untuk melakukan January 11, 2013 until June 29, 2017,
pembelian saham baru yang bernilai wherein every 1 (one) Series II Warrant is
nominal Rp100 (dalam Rupiah penuh) per entitled to purchase 1 (one) new share at the
saham dengan harga pelaksanaan sebesar exercise price.
Rp250 (dalam Rupiah penuh) per saham
yang dapat dilakukan mulai dari tanggal 11
Januari 2013 sampai dengan 29 Juni 2017
dimana setiap 1 (satu) Waran Seri II berhak
membeli 1 (satu) saham baru pada harga
pelaksanaannya.
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Page 547
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Berdasarkan Akta No. 45 tanggal In accordance with the Notarial Deed
13 Juni 2014 dari Aryanti Artisari, S.H., No. 45 dated June 13, 2014 of Aryanti
M.Kn., notaris di Jakarta, tentang Berita Artisari, S.H., M.Kn., public notary in Jakarta,
Acara Rapat Umum Pemegang Saham Luar concerning the Extraordinary General
Biasa (RUPSLB), dimana pemegang saham Stockholders’ Meeting (EGSM), the
Perusahaan menyetujui untuk menerbitkan Company’s stockholders approved the
1.312.411.310 lembar saham pada harga issuance of 1,312,411,310 shares at a price
yang akan ditentukan oleh Direksi dengan to be determined by Directors with approval
persetujuan Dewan Komisaris melalui from Board of Commisioners by “Rights Issue
Penambahan Modal Tanpa Hak Memesan Without Pre-Emptive Rights”. On October 31,
Efek Terlebih Dahulu (PMTHMETD). Pada 2014 and November 24, 2014, the company
tanggal 31 Oktober 2014 dan 24 November conducts “Rights Issue Without Pre-Emptive
2014, Perusahaan melaksanakan Rights” stages 1 and 2, each totaling
PMTHMETD tahap 1 dan 2 masing-masing 888,888,888 shares and 7,646,526 shares,
sebanyak 888.888.888 dan 7.646.526 respectively, at exercise price off Rp270 (in
lembar saham dengan harga pelaksanaan full Rupiah) per share, respectively. The total
masing-masing sebesar Rp270 (dalam proceeds in relation to this “Rights Issue
Rupiah penuh). Jumlah dana yang diperoleh Without Pre-Emptive Rights” amounted to
dari pemegang saham dalam pelaksanaan Rp242,064.
PMTHMETD adalah sebesar Rp242.064.
Pada tanggal 27 April 2016, Perusahaan On April 27, 2016, the Company
memperoleh Pernyataan Efektif dari obtained the Notice of Effectivity from
Otoritas Jasa Keuangan melalui surat Financial Services Authority (OJK) in its letter
No. S-202/D.04/2016 untuk Penawaran No. S-202/D.04/2016 for the limited initial
Umum Terbatas II (PUT II) kepada public offering II (PUT II) with preemptive
Pemegang Saham dengan Hak Memesan rights to Stockholders for 1,099,490,445
Efek Terlebih Dahulu (HMETD) atas common shares with par value of Rp100
1.099.490.445 lembar Saham Biasa Atas (in full Rupiah) per share at exercise price of
Nama dengan nilai nominal Rp100 (dalam Rp400 (in full Rupiah) per share with
Rupiah penuh) per saham dengan harga attached 4,397,961,780 Series III Warrants.
pelaksanaan Rp400 (dalam Rupiah penuh) Every holder of 13 existing shares has 1 pre-
per saham dimana melekat 4.397.961.780 emptive right to purchase 1 new share,
waran Seri III. Setiap pemegang 13 saham wherein for every 1 new share, 4 Series III
lama berhak atas Warrants are attached, free of charge. Series
1 HMETD untuk membeli 1 saham baru, III Warrants are given as incentives to
dimana pada setiap 1 saham baru melekat stockholders to purchase new shares at a par
4 Waran Seri III yang diberikan oleh value of Rp100 (in full Rupiah) per share, with
Perusahaan secara cuma-cuma. Waran exercise price of Rp625 (in full Rupiah) per
Seri III diberikan sebagai insentif kepada share, which can be exercised from
pemegang saham untuk melakukan November 28, 2016 until May 12, 2021,
pembelian saham baru yang bernilai wherein every 1 (one) Series III Warrant is
nominal Rp100 (dalam Rupiah penuh) entitled to purchase 1 (one) new share at the
per saham dengan harga pelaksanaan exercise price.
sebesar Rp625 (dalam Rupiah penuh) per
saham yang dapat mulai tanggal
28 November 2016 sampai dengan
12 Mei 2021 dimana setiap 1 (satu) Waran
Seri III berhak membeli 1 (satu) saham baru
pada harga pelaksanaannya.
Saham Perusahaan telah tercatat di Bursa The Company’s issued shares totaling to
Efek Indonesia yaitu sebanyak 19,517,921,842 shares representing 98.99%
19.517.921.842 saham yang mewakili of its issued shares as of December 31, 2023
98,99% dari saham yang beredar pada and 2022, are listed on the Indonesian Stock
tanggal 31 Desember 2023 dan 2022. Exchange.
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Page 548
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
c. Penawaran Umum Obligasi Perusahaan c. Public Offering of Corporate Bonds
Pada tanggal 29 Juni 2022, Perusahaan On June 29, 2022, the Company obtained an
memperoleh Pernyataan Efektif dari Kepala Effectivity Statement from the Chief
Eksekutif Pengawas Pasar Modal Otoritas Executive of the Capital Market Supervision
Jasa Keuangan (OJK) melalui suratnya of the Financial Services Authority (OJK)
No. S-107/D.04/2022 untuk melaksanakan through his letter No. S-107/D.04/2022 to
Penawaran Umum Berkelanjutan Obligasi carry out the Public Offering of Bank
Subordinasi Berkelanjutan I Bank Sinarmas Sinarmas Sustainable Subordinated Bonds I
dengan jumlah pokok obligasi sebanyak- with the maximum principal amount of the
banyaknya Rp3.000.000. Pada Tahap I, bonds of Rp3,000,000. In Phase I, the
Perusahaan menerbitkan dengan jumlah Company issued amounting to Rp500,000
pokok sebesar Rp500.000 dengan tingkat with fixed interest rate of 6.5% per annum
bunga tetap sebesar 6,5% per tahun dengan with a term of 5 year maturity date.
jangka waktu 5 tahun.
d. Pemisahan Unit Usaha Syariah d. Spin-Off of Sharia Business Unit
Perusahaan menerima surat dari Otoritas The Company received a letter from the
Jasa Keuangan No. SR-1/D.03/2023 Financial Services Authority No. SR-
tanggal 14 Februari 2023 tentang 1/D.03/2023 dated February 14, 2023
Persetujuan Prinsip Pendirian PT Bank concerning Approval in Principle for the
Nano Syariah (Badan Usaha Syariah hasil Establishment of PT Bank Nano Syariah
pemisahan Unit Usaha Syariah (UUS) (Sharia Business Entity as a result of the
PT Bank Sinarmas Tbk). separation of the Sharia Business Unit (UUS)
of PT Bank Sinarmas Tbk).
Perusahaan menerima surat dari Otoritas The Company received a letter from the
Jasa Keuangan No. SR-255/PB.02/2023 Financial Services Authority No. SR-
tanggal 10 November 2023 tentang 255/PB.02/2023 dated November 10, 2023,
Keputusan Perpanjangan Jangka Waktu regarding the Decision on the Extension of
Pelaksanaan Kegiatan Usaha PT Bank the Implementation Period for the Business
Nano Syariah. Activities of PT Bank Nano Syariah.
Pemisahan Unit Usaha Syariah telah efektif The separation of Sharia Business Units has
tanggal 1 Januari 2024 dengan pendirian been effective on January 1, 2024 with the
Bank Umum Syariah baru dengan nama establishment of a new Sharia Commercial
PT Bank Nano Syariah. Bank under the name PT Bank Nano
Syariah.
e. Karyawan, Direksi dan Dewan Komisaris e. Employees, Boards of Directors and
Boards of Commissioners
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
susunan pengurus Perusahaan adalah Company’s management consists of the
sebagai berikut: following:
2023 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama Tjendrawati Widjaja Tjendrawati Widjaja President Commissioner
Komisaris Independen Sammy Kristamuljana Sammy Kristamuljana Independent Commissioner
Komisaris Independen Rusmin Rusmin Independent Commissioner
Direksi Board of Directors
Direktur Utama Frenky Tirtowijoyo Frenky Tirtowijoyo President Director
Direktur Halim Halim Director
Direktur Hanafi Himawan Hanafi Himawan Director
Direktur Soejanto Soetjijo Soejanto Soetjijo Director
Direktur Miko Andidjaja Miko Andidjaja Director
Direktur Uzan Tedjamulia Uzan Tedjamulia Director
Direktur Ekajaya Ongny Putra Ekajaya Ongny Putra Director
Direktur Enny Kamal - Director
Direktur Sendy - Director
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Susunan keanggotaan komite-komite yang The members of the committees of the
dimiliki Perusahaan pada tanggal Company as at December 31, 2023 and 2022
31 Desember 2023 dan 2022 adalah are as follows:
sebagai berikut:
2023 2022
Komite Audit Audit Committee
Ketua Sammy Kristamuljana Sammy Kristamuljana Chairman
Anggota Robert A Simanjuntak Robert A Simanjuntak Members
Reynold M Batubara Reynold M Batubara
Komite Remunerasi Remuneration and
dan Nominasi Nomination Committee
Ketua Rusmin Rusmin Chairman
Anggota Tjendrawati Widjaja Tjendrawati Widjaja Members
Christina Suryadinata Christina Suryadinata
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Rusmin Rusmin Chairman
Anggota Tjendrawati Widjaja Tjendrawati Widjaja Members
Robert A Simanjuntak Robert A Simanjuntak
Reynold M Batubara Reynold M Batubara
Dewan Pengawas Syariah Sharia Supervisory Board
Ketua Ahmadi Bin Sukarno Ahmadi Bin Sukarno Chairman
Anggota Moch.Bukhori Muslim Moch.Bukhori Muslim Member
Kepala Audit Internal Perusahaan pada As at December 31, 2023 and 2022, the head
tanggal 31 Desember 2023 dan 2022 adalah of the Company’s Internal Audit is Frieda
Frieda Junia. Junia.
Sekretaris Perusahaan pada tanggal 31 The Company’s Corporate Secretary as at
Desember 2023 dan 2022 adalah Retno Tri December 31, 2023 and 2022, is Retno Tri
Wulandari. Wulandari.
Personel manajemen kunci Perusahaan Key management personel of the Company
terdiri dari Komisaris, Direksi, Group Head, consists of Commissioners, Directors, Group
Kepala Kantor Wilayah, Wakil Kepala Head, Heads of Regional Offices, Deputy
Kantor Wilayah, Kepala Divisi, Pimpinan Heads of Regional Offices, Heads of
Cabang dan Koordinator Pimpinan Cabang Divisions, Branch Managers and Coordinator
Pembantu. Branch Manager.
Jumlah rata-rata karyawan Perusahaan The Company has an average total number
(tidak diaudit) adalah 5.477 dan 5.324, of employees (unaudited) of 5,477 and 5,324,
masing-masing untuk tahun yang berakhir for the year ended December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022. 2022, respectively.
f. Penyelesaian Laporan Keuangan f. Completion of Financial Statements
Laporan keuangan PT Bank Sinarmas Tbk The financial statements of
untuk periode yang berakhir 31 Desember PT Bank Sinarmas Tbk for the period ended
2023 telah diselesaikan dan diotorisasi December 31, 2023 were completed and
untuk terbit oleh Direksi Perusahaan pada authorized for issuance by the Company’s
tanggal 28 Maret 2024. Direksi Perusahaan Board of Directors’ on March 28, 2024. The
bertanggung jawab atas penyusunan dan Company’s Board of Directors who are
penyajian laporan keuangan tersebut. responsible for the preparation and
presentation of the financial statements.
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Page 550
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2. Informasi Kebijakan Akuntansi Material 2. Material Accounting Policy Information
a. Dasar Penyusunan dan Pengukuran a. Basis of Financial Statements Preparation
Laporan Keuangan and Measurement
Laporan keuangan disusun dan disajikan The financial statements have been prepared
dengan menggunakan Standar Akuntansi and presented in accordance with Indonesian
Keuangan (SAK) di Indonesia, meliputi Financial Accounting Standards (“FAS”),
pernyataan dan interpretasi yang diterbitkan which comprise the statements and
oleh Dewan Standar Akuntansi Keuangan interpretations issued by the Board of
Ikatan Akuntan Indonesia (DSAK IAI) dan Financial Accounting Standards of the
Dewan Standar Akuntansi Syariah IAI, dan Indonesian Institute of Accountants (DSAK
Peraturan OJK No. VIII.G.7 tentang IAI) and Board of Sharia Accounting of IAI,
“Penyajian dan Pengungkapan Laporan and OJK Regulation No. VIII.G.7. regarding
Keuangan Emiten atau Perusahaan Publik”. “Presentation and Disclosures of Public
Companies’ Financial Statements”.
Dasar pengukuran laporan keuangan ini The measurement basis used is the historical
adalah konsep biaya perolehan, kecuali cost, except for certain accounts which are
beberapa akun tertentu disusun measured on the bases described in the
berdasarkan pengukuran lain, sebagaimana related accounting policies. The financial
diuraikan dalam kebijakan akuntansi statements, except for the statements of cash
masing-masing akun tersebut. Laporan flows, are prepared under the accrual basis
keuangan ini disusun dengan metode of accounting.
akrual, kecuali laporan arus kas.
Kebijakan akuntansi yang diterapkan dalam The accounting policies adopted in the
penyusunan laporan keuangan untuk preparation of the financial statements for the
periode yang berakhir 31 Desember 2023 period ended December 31, 2023 are
adalah konsisten dengan kebijakan consistent with those adopted in the
akuntansi yang diterapkan dalam preparation of the financial statements for the
penyusunan laporan keuangan untuk tahun year ended December 31, 2022.
yang berakhir 31 Desember 2022.
Laporan arus kas disusun menggunakan The statement of cash flows is prepared
metode langsung dan arus kas based on direct method by classifying cash
dikelompokkan atas dasar kegiatan operasi, flows on the basis of operating, investing and
investasi dan pendanaan. Untuk tujuan financing activities. For the purpose of
penyusunan laporan arus kas, kas dan statements of cash flows, cash and cash
setara kas mencakup kas, giro pada Bank equivalents include cash on hand, demand
Indonesia, giro pada bank lain, penempatan deposits with Bank Indonesia, demand
pada Bank Indonesia dan bank lain dan deposits with other banks, and placement
efek-efek dengan jatuh tempo tiga bulan with Bank Indonesia and other banks and
atau kurang dan yang tidak dijaminkan serta securities with original maturities of three
yang tidak dibatasi pencairannya. months or less from the acquisition date and
are not used as collateral and are not
restricted.
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Page 551
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Laporan keuangan Perusahaan untuk unit The Company’s financial statements of
usaha syariah disusun berdasarkan sharia business unit are prepared based on
Pernyataan Standar Akuntansi Keuangan Statement of Financial Accounting Standard
(PSAK) No. 101 (Amandemen 2018) (SFAS) No. 101 (Amendment 2018)
“Penyajian Laporan Keuangan Syariah”, “Presentation of Sharia Financial Statement”,
PSAK No. 102 (Amandemen 2019) SFAS No. 102 (Amendment 2019)
“Akuntansi Murabahah”, PSAK No. 105 “Murabahah Accounting”, SFAS No. 105
“Akuntansi Mudharabah”, PSAK No. 106 “Mudharabah Accounting”, SFAS No. 106
“Akuntansi Musyarakah”, PSAK No. 107 “Musyarakah Accounting”, SFAS No. 107
(Amandemen 2016) “Akuntansi Ijarah”, (Amendment 2016) “Ijarah Accounting”,
PSAK No. 110 (Amandemen 2020) SFAS No. 110 (Amendment 2020), “Sukuk
“Akuntansi Sukuk”, Pedoman Akuntansi Accounting”, Accounting Guidelines for
Perbankan Syariah Indonesia (“PAPSI”) dan Indonesian Sharia Banking (“PAPSI”) and
prinsip-prinsip akuntansi yang berlaku general accounting principles assigned by
umum yang ditetapkan Ikatan Akuntan the Indonesian Institute of Accountants,
Indonesia, mencakup pula pedoman including accounting and reporting principles
akuntansi dan pelaporan yang ditetapkan designated by Bank of Indonesia (BI) and
oleh Bank Indonesia (BI) dan Otoritas Jasa Otoritas Jasa Keuangan (OJK).
Keuangan (OJK).
Mata uang yang digunakan dalam The reporting currency used in the
penyusunan dan penyajian laporan preparation of the financial statements is the
keuangan adalah mata uang Rupiah Indonesian Rupiah (Rupiah) which is also the
(Rupiah) yang juga merupakan mata uang functional currency of the Company.
fungsional Perusahaan.
b. Penjabaran Mata Uang Asing b. Foreign Currency Translation
Mata Uang Fungsional dan Pelaporan Functional and Reporting Currencies
Akun-akun yang tercakup dalam laporan Items included in the financial statements of
keuangan Perusahaan diukur the Company are measured using the
menggunakan mata uang dari lingkungan currency of the primary economic
ekonomi utama dimana Perusahaan environment in which the Company operates
beroperasi (mata uang fungsional). (the functional currency).
Laporan keuangan disajikan dalam Rupiah, The financial statements are presented in
yang merupakan mata uang fungsional dan Rupiah which is the Company’s functional
mata uang penyajian Perusahaan. and presentation currency.
Transaksi dan Saldo Transactions and Balances
Transaksi dalam mata uang asing Foreign currency transactions are translated
dijabarkan ke dalam mata uang fungsional into the functional currency using the
menggunakan kurs pada tanggal transaksi. exchange rates prevailing at the dates of the
Keuntungan atau kerugian selisih kurs yang transactions. Foreign exchange gains and
timbul dari penyelesaian transaksi dan dari losses resulting from the settlement of such
penjabaran pada kurs akhir tahun atas aset transactions and from the translation at year
dan liabilitas moneter dalam mata uang end exchange rates of monetary assets and
asing diakui dalam laba rugi. Aset non- liabilities denominated in foreign currencies
moneter yang diukur pada nilai wajar are recognized in profit or loss. Non-
dijabarkan menggunakan kurs pada tanggal monetary assets that are measured at fair
nilai wajar ditentukan. value are translated using the exchange rate
at the date that the fair value was determined.
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Page 552
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
kurs konversi yakni kurs Reuters pada pukul conversion rates used by the Company for
16:00 Waktu Indonesia Barat (WIB), yang monetary assets and liabilities were the
digunakan oleh Perusahaan adalah sebagai prevailing Reuters spot rate at 16:00 Western
berikut: Indonesian Time as follows:
2023 2022
(dalam Rupiah penuh)/ (dalam Rupiah penuh)/
(in full Rupiah) (in full Rupiah)
Poundsterling Inggris 19.626,56 18.786,08 Great Britain Poundsterling
Euro 17.038,32 16.581,72 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 New Zealand 9.765,55 9.851,11 New Zealand Dollar
Riyal Arab Saudi 4.106,00 - Saudi Riyal
Yuan China 2.169,50 2.234,50 China Yuan
Dolar Hong Kong 1.970,72 1.996,55 Hong Kong Dollar
Yen Jepang 108,87 117,81 Japanese Yen
c. Transaksi Pihak Berelasi c. Transactions with Related Parties
Orang atau entitas dikategorikan sebagai A person or entity is considered a related
pihak berelasi Perusahaan apabila party of the Company if it meets the definition
memenuhi definisi pihak berelasi of a related party in SFAS No. 7 “Related
berdasarkan PSAK No. 7 “Pengungkapan Party Disclosures.
Pihak-pihak Berelasi”.
Pihak berelasi adalah orang atau entitas A related party is a person or entity that is
yang terkait dengan entitas yang related to the entity that is preparing its
menyiapkan laporan keuangannya (entitas financial statements (reporting entity).
pelapor). Pihak berelasi adalah sebagai Related parties are:
berikut:
i) Orang atau anggota keluarga i) A person or a close member of that
dekatnya mempunyai relasi dengan person’s family is related to a reporting
entitas pelapor jika orang tersebut: entity if that person:
a) Memiliki pengendalian atau a) Has control or joint control of the
pengendalian bersama atas reporting entity;
entitas pelapor;
b) Memiliki pengaruh signifikan atas b) Has control or joint control of the
entitas pelapor; atau reporting entity; or
c) Merupakan personil manajemen c) Is a member of the key
kunci entitas pelapor atau entitas management personnel of the
induk entitas pelapor. reporting entity or of a parent of the
reporting entity.
ii) Entitas mempunyai relasi dengan ii) An entity is related to a reporting entity
entitas pelapor jika entitas tersebut: if any of the following conditions
applies:
a) Entitas dan entitas pelapor a) The entity and the reporting entity
adalah anggota dari kelompok are members of the same group
usaha yang sama (artinya entitas (which means that each parent,
induk, entitas anak, dan entitas subsidiary and fellow subsidiary is
anak berikutnya saling berelasi related to others);
dengan entitas lain);
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b) Satu entitas adalah entitas b) One entity is an associate or joint
asosiasi atau ventura bersama venture of the other entity (or an
dari entitas lain (atau entitas associate or joint venture of a
asosiasi atau ventura bersama member of a group of which the
yang merupakan anggota suatu other entity is a member);
kelompok usaha, yang mana
entitas lain tersebut adalah
anggotanya);
c) Kedua entitas tersebut adalah c) Both entities are joint ventures of
ventura bersama dari pihak the same third party;
ketiga yang sama;
d) Satu entitas adalah ventura d) One entity is a joint venture of a
bersama dari entitas ketiga dan third entity and the other entity is an
entitas yang lain adalah entitas associate of the third entity;
asosiasi dari entitas ketiga;
e) Entitas tersebut adalah suatu e) The entity is a post-employment
program imbalan pascakerja benefit plan for the benefit of
untuk imbalan kerja dari salah employees of either the reporting
satu entitas pelapor atau entitas entity or an entity related to the
yang terkait dengan entitas reporting entity. If the reporting
pelapor. Jika entitas pelapor entity is itself such a plan, the
adalah entitas yang sponsoring employers are also
menyelenggarakan program related to the reporting entity;
tersebut, maka entitas sponsor
juga berelasi dengan entitas
pelapor;
f) Entitas yang dikendalikan atau f) The entity controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in
yang diidentifikasi sebagaimana i);
dimaksud dalam angka i);
g) Orang yang diidentifikasi g) A person identified in i) a) has
sebagaimana dimaksud dalam significant influence over the entity
angka i) a) memiliki pengaruh or is a member of the key
signifikan atas entitas atau management personnel of the
merupakan personil manajemen entity (or a parent of the entity); or
kunci entitas (atau entitas induk
dari entitas); atau
h) Entitas atau anggota dari h) Entities or members of the group to
kelompok yang mana entitas which the entity is part of the group,
merupakan bagian dari kelompok providing services to the entity’s
tersebut, menyediakan jasa key management personnel or to
personil manajemen kunci the parent’s entity of the reporting
kepada entitas pelapor atau entity.
kepada entitas induk dari entitas
pelapor.
Transaksi ini dilakukan berdasarkan The transactions are made based on terms
persyaratan yang disetujui oleh kedua belah agreed by the parties, whereby such terms
pihak, dimana persyaratan tersebut may not be the same as those transactions
mungkin tidak sama dengan transaksi yang with non-related parties.
dilakukan dengan pihak-pihak yang tidak
berelasi.
Semua transaksi dan saldo yang signifikan All significant transactions and balances with
dengan pihak berelasi, baik yang dilakukan related parties, whether or not conducted
dengan syarat normal sebagaimana under terms and conditions similar to those
dilakukan dengan pihak ketiga, maupun granted to third parties, are disclosed in the
tidak, telah diungkapkan pada catatan atas notes to the consolidated financial
laporan keuangan konsolidasian. statements.
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Page 554
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
d. Kas dan Setara Kas d. Cash and Cash Equivalents
Kas terdiri dari kas dan bank. Setara kas Cash consists of cash on hand and in banks.
adalah semua investasi yang bersifat jangka Cash equivalents are short-term, highly liquid
pendek dan sangat likuid yang dapat segera investments that are readily convertible to
dikonversikan menjadi kas dengan jatuh known amounts of cash with original
tempo dalam waktu tiga (3) bulan atau maturities of three (3) months or less from the
kurang sejak tanggal penempatannya, dan date of placements, and which are not used
yang tidak dijaminkan serta tidak dibatasi as collateral and are not restricted.
pencairannya.
e. Instrumen Keuangan e. Financial Instruments
Perusahaan menerapkan PSAK No. 71, The Company has applied SFAS No. 71,
Instrumen Keuangan, mengenai pengaturan which set the requirements in classification
instrumen keuangan terkait klasifikasi dan and measurement, impairment in value of
pengukuran, penurunan nilai atas instrumen financial assets and hedgeng accounting.
keuangan dan akuntansi lindung nilai.
Aset Keuangan Financial Assets
Perusahaan mengklasifikasikan aset The Company classifies its financial assets in
keuangan sesuai dengan PSAK No. 71, accordance with SFAS No. 71, Financial
Instrumen Keuangan, sehingga setelah Instruments, that classifies financial assets
pengakuan awal aset keuangan diukur pada as subsequently measured at amortized cost,
biaya perolehan diamortisasi, nilai wajar fair value through comprehensive income or
melalui penghasilan komprehensif lain atau fair value through profit or loss, on the basis
nilai wajar melalui laba rugi, dengan of both:
menggunakan dua dasar, yaitu:
(a) Model bisnis Perusahaan dalam (a) The Company’s business model for
mengelola aset keuangan; dan managing the financial assets; and
(b) Karakteristik arus kas kontraktual dari (b) The contractual cash flow characteristics
aset keuangan. of the financial assets.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
aset keuangan Perusahaan terdiri dari aset Company’s financial assets consist of
yang diukur pada biaya perolehan financial assets at amortized cost, financial
diamortisasi, aset keuangan yang diukur assets at fair value through profit or loss and
pada nilai wajar melalui laba rugi dan aset financial assets at fair value through other
keuangan yang diukur pada nilai wajar comprehensive income.
melalui penghasilan komprehensif lain.
1. Aset keuangan pada biaya perolehan 1. Financial assets at amortized cost
diamortisasi
Aset keuangan diukur pada biaya A financial asset shall be measured at
perolehan diamortisasi jika kedua amortized cost if both of the following
kondisi berikut terpenuhi: conditions are met:
Aset keuangan dikelola dalam model The financial asset is held within a
bisnis yang bertujuan untuk memiliki business model whose objective is to
aset keuangan dalam rangka hold financial assets in order to collect
mendapatkan arus kas kontraktual; dan contractual cash flows; and
Persyaratan kontraktual dari aset The contractual terms of the financial
keuangan menghasilkan arus kas pada assets give rise on specified dates to
tanggal tertentu yang semata dari cash flows that are solely payments of
pembayaran pokok dan bunga dari principal and interest on the principal
jumlah pokok terutang. amount outstanding.
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Page 555
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Aset keuangan pada biaya perolehan Financial assets at amortized cost is
diamortisasi diukur pada jumlah yang measured at initial amount minus the
diakui saat pengakuan awal dikurangi principal repayments, plus or minus the
pembayaran pokok, ditambah atau cumulative amortization using the
dikurangi dengan amortisasi kumulatif effective interest method of any
menggunakan metode suku bunga difference between that initial amount
efektif yang dihitung dari selisih antara and the maturity amount, adjusted for
nilai awal dan nilai jatuh temponya, dan allowance for impairment.
dikurangi dengan cadangan kerugian
penurunan nilai.
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, this
2022, kategori ini meliputi kas, giro category includes cash, demand
pada Bank Indonesia, giro pada bank deposits with Bank Indonesia, demand
lain, penempatan pada Bank Indonesia deposit with other banks, placements
dan bank lain, kredit yang diberikan dan with Bank Indonesia and other banks,
piutang, tagihan akseptasi, pendapatan loan and receivables, acceptance
yang masih akan diterima dan aset lain- receivables, accrued income and other
lain. assets.
2. Aset keuangan yang diukur pada nilai 2. Financial assets at fair value through
wajar melalui laba rugi profit or loss
Aset keuangan diukur pada nilai wajar A financial asset shall be measured at
melalui laba rugi kecuali aset keuangan fair value through profit or loss unless it
tersebut diukur pada biaya perolehan is measured at amortized cost or at fair
diamortisasi atau pada nilai wajar value through comprehensive income.
melalui penghasilan komprehensif lain.
Derivatif juga diklasifikasikan sebagai Derivatives are also categorized as fair
diukur pada nilai wajar melalui laba rugi, value through profit or loss unless they
kecuali derivatif yang ditetapkan are designated as effective hedging
sebagai instrumen lindung nilai yang instruments.
efektif.
Aset keuangan yang diukur pada nilai Financial assets at FVTPL are recorded
wajar melalui laba rugi dicatat pada in the statement of financial position at
laporan posisi keuangan pada nilai fair value. Changes in fair value are
wajarnya. Perubahan nilai wajar recognized directly in profit or loss.
langsung diakui dalam laba rugi. Bunga Interest earned is recorded as interest
yang diperoleh dicatat sebagai income, while dividend income is
pendapatan bunga, sedangkan recorded as part of other income
pendapatan dividen dicatat sebagai according to the terms of the contract, or
bagian dari pendapatan lain-lain sesuai when the right of payment has been
dengan persyaratan dalam kontrak, established.
atau pada saat hak untuk memperoleh
pembayaran atas dividen tersebut telah
ditetapkan.
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022,
2022, efek-efek berupa obligasi securities in the form of Government
Pemerintah, reksadana, Surat bond, mutual funds, sovereign paper
Berharga Bank Indonesia (SBBI) dan (SBBI and SVBI) and derivative
Sekuritas Valas Bank Indonesia (SVBI) receivables are classified in this
tagihan derivatif diklasifikasikan dalam category.
kategori ini.
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Page 556
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
3. Aset keuangan yang diukur pada nilai 3. Financial assets at fair value through
wajar melalui penghasilan other comprehensive income
komprehensif lain
Aset keuangan diukur pada nilai wajar A financial asset shall be measured at
melalui penghasilan komprehensif lain fair value through other comprehensive
jika kedua kondisi berikut terpenuhi: income if both of the following conditions
are met:
a. Aset keuangan dikelola dalam a. The financial asset is held within a
model bisnis yang tujuannya akan business model whose objective is
terpenuhi dengan mendapatkan achieved by both collecting
arus kas kontraktual dan menjual contractual cash flows and selling
aset keuangan; dan financial assets; and
b. Persyaratan kontraktual dari aset b. The contractual terms of the
keuangan menghasilkan arus kas financial asset give rise on specified
pada tanggal tertentu yang semata dates to cash flows that are solely
dari pembayaran pokok dan bunga payments of principal and interest
dari jumlah pokok terutang. on the principal amount
outstanding.
Aset keuangan berupa surat berharga Debt securities financial assets which
utang yang diukur pada nilai wajar are initially measured at fair value
melalui penghasilan komprehensif lain through comprehensive income are
selanjutnya diukur pada nilai wajar subsequently measured at fair value less
dikurangi dengan cadangan kerugian allowance for impairment, with
penurunan nilai, dengan keuntungan unrealized gains or losses recognized in
atau kerugian yang belum direalisasi other comprehensive income until the
diakui dalam penghasilan komprehensif financial assets are derecognized or
lain, sampai aset keuangan tersebut reclassified, at which time the cumulative
dihentikan pengakuannya atau gain or loss is reclassified to profit or
direklasifikasi, dimana pada saat itu loss. Gains or losses from impairment
akumulasi keuntungan atau kerugian and foreign exchange and interest
direklasifikasi ke laba rugi. Keuntungan calculated using effective interest
atau kerugian penurunan nilai dan method are recognized in profit or loss.
selisih kurs dan bunga yang dihitung
menggunakan metode suku bunga
efektif diakui dalam laba rugi.
Aset keuangan berupa instrumen Equity securities financial assets which
ekuitas yang diukur pada nilai wajar are initially measured at fair value
melalui penghasilan komprehensif lain through comprehensive income are
selanjutnya diukur pada nilai wajar, subsequently measured at fair value,
dengan keuntungan atau kerugian yang with unrealized gains or losses
belum direalisasi diakui dalam recognized in other comprehensive
penghasilan komprehensif lain. Saat income. At the time the financial assets
aset keuangan tersebut dihentikan are derecognized or reclassified, the
pengakuannya atau direklasifikasi, cumulative gain or loss is reclassified to
akumulasi keuntungan atau kerugian retained earnings.
direklasifikasi ke saldo laba.
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, the
2022, kategori ini meliputi investasi Company’s securities in the form of
efek-efek dalam bentuk obligasi Government and corporate bonds.
Pemerintah dan korporasi.
- 20 -
Page 557
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Liabilitas Keuangan dan Instrumen Financial Liabilities and Equity
Ekuitas Instruments
Liabilitas keuangan dan instrumen ekuitas Financial liabilities and equity instruments of
Perusahaan diklasifikasikan berdasarkan the Company are classified according to the
substansi perjanjian kontraktual serta substance of the contractual arrangements
definisi liabilitas keuangan dan instrumen entered into and the definitions of a financial
ekuitas. Kebijakan akuntansi yang liability and equity instrument.
diterapkan atas instrumen keuangan The accounting policies adopted for specific
tersebut diungkapkan berikut ini. financial instruments are set out below.
Instrumen Ekuitas Equity Instruments
Instrumen ekuitas adalah setiap kontrak An equity instrument is any contract that
yang memberikan hak residual atas aset evidences a residual interest in the assets of
suatu entitas setelah dikurangi dengan an entity after deducting all of its liabilities.
seluruh liabilitasnya. Instrumen ekuitas Equity instruments are recorded at the
dicatat sejumlah hasil yang diterima, setelah proceeds received, net of direct issue costs.
dikurangkan dengan biaya penerbitan
langsung.
Liabilitas Keuangan Financial Liabilities
Tidak terdapat perubahan signifikan dalam There are no significant changes in
klasifikasi dan pengukuran liabilitas classification and measurement of financial
keuangan. liabilities.
Liabilitas keuangan dalam lingkup PSAK Financial liabilities within the scope of SFAS
No. 71 diklasifikasikan sebagai berikut: (i) No. 71 are classified as follows: (i) financial
liabilitas keuangan yang diukur dengan liabilities at amortized cost, (ii) financial
biaya diamortisasi, (ii) liabilitas keuangan liabilities at fair value through profit and loss
yang diukur dengan nilai wajar melalui laba (FVTPL). The Company determines the
rugi. Perusahaan menentukan klasifikasi classification of its financial liabilities at initial
liabilitas keuangan pada saat pengakuan recognition.
awal.
Seluruh liabilitas keuangan diakui pada All financial liabilities are recognized initially
awalnya sebesar nilai wajar dan, dalam hal at fair value and, in the case of loans and
pinjaman dan utang, termasuk biaya borrowings, inclusive of directly attributable
transaksi yang dapat diatribusikan secara transaction costs and subsequently
langsung dan selanjutnya diukur pada biaya measured at amortized cost using the
perolehan diamortisasi dengan effective interest rate method.
menggunakan metode suku bunga efektif. The amortization of the effective interest rate
Amortisasi suku bunga efektif disajikan is included in finance costs in profit or loss.
sebagai bagian dari beban keuangan dalam
laba rugi.
1. Liabilitas keuangan yang diukur pada 1. Financial liabilities at amortized cost
biaya perolehan diamortisasi
Liabilitas keuangan pada biaya Financial liabilities at amortized cost is
perolehan diamortisasi diukur pada measured at initial amount minus the
jumlah yang diakui saat pengakuan principal repayments, plus or minus the
awal dikurangi pembayaran pokok, cumulative amortization using the
ditambah atau dikurangi dengan effective interest method of any
amortisasi kumulatif menggunakan difference between that initial amount
metode suku bunga efektif yang and the maturity amount.
dihitung dari selisih antara nilai awal
dan nilai jatuh temponya.
- 21 -
Page 558
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, the
2022, kategori ini meliputi liabilitas Company’s liabilities immediately
segera, simpanan, simpanan dari bank payable, deposits, deposits from other
lain, liabilitas akseptasi, efek-efek yang banks, acceptances payable, securities
dijual dengan janji beli Kembali, beban sold under agreement to repurchased,
yang masih harus dibayar, obligasi accrued expenses, subordinated bonds,
subordinasi, serta liabilitas lain-lain and other liabilities in the form of security
dalam bentuk setoran jaminan L/C dan deposit for L/C and bank guarantee are
bank garansi yang dimiliki oleh included in this category.
Perusahaan.
2. Liabilitas keuangan yang diukur pada 2. Financial liabilities at fair value through
nilai wajar melalui laba rugi profit or loss
Liabilitas keuangan diklasifikasikan Financial liabilities are classified in this
dalam kategori ini apabila liabilitas category if these result from trading
tersebut merupakan hasil dari aktivitas activities or derivative transactions that
perdagangan atau transaksi derivatif are not accounted for as accounting
yang tidak dimaksudkan sebagai hedges, or when the Company elects to
lindung nilai, atau jika Perusahaan designate a financial liability under this
memilih untuk menetapkan liabilitas category.
keuangan tersebut dalam kategori ini.
Perubahan dalam nilai wajar langsung Changes in fair value are recognized
diakui dalam laba rugi. directly in profit or loss.
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022,
2022, kategori ini meliputi liabilitas derivative liabilities are included in this
derivatif. category.
Instrumen Keuangan Derivatif Derivative Financial Instruments
Dalam usaha normalnya, Perusahaan In the normal course of business, the
melakukan transaksi instrumen keuangan Company enters into transactions involving
derivatif berupa kontrak tunai dan berjangka derivative financial instruments such as
mata uang asing. Instrumen keuangan foreign currency spot and forward contracts
derivatif diukur dan disajikan di laporan and foreign currency swaps. Derivative
posisi keuangan pada nilai wajar dengan financial instruments are measured and
menggunakan harga pasar. Derivatif dicatat presented in the statement of financial
sebagai aset apabila memiliki nilai wajar position at their fair values. Derivatives are
positif dan sebagai liabilitas apabila memiliki carried as assets when the fair value is
nilai wajar negatif. Keuntungan atau positive and as liabilities when the fair value
kerugian yang terjadi dari perubahan nilai is negative. Gains or losses as a result of fair
wajar diakui dalam laba/rugi. value changes are recognized in profit or
loss.
Saling Hapus Instrumen Keuangan Offsetting of Financial Instruments
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and
saling hapus dan nilai bersihnya disajikan the net amount reported in the statement of
dalam laporan posisi keuangan jika, dan financial position if, and only if, there is a
hanya jika, Perusahaan saat ini memiliki hak currently enforceable right to offset the
yang berkekuatan hukum untuk melakukan recognized amounts and there is intention to
saling hapus atas jumlah yang telah diakui settle on a net basis, or to realize the asset
tersebut dan berniat untuk menyelesaikan and settle the liability simultaneously.
secara neto atau untuk merealisasikan aset
dan menyelesaikan liabilitasnya secara
simultan.
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Page 559
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Reklasifikasi Aset Keuangan Reclassifications of Financial Assets
Sesuai dengan ketentuan PSAK No. 71, In accordance with SFAS No. 71, Financial
Instrumen Keuangan, Perusahaan Instruments, the Company reclassifies its
mereklasifikasi seluruh aset keuangan financial assets when, and only when, the
dalam kategori yang terpengaruh, jika dan Company changes its business model for
hanya jika, Perusahaan mengubah model managing financial assets. While, any
bisnis untuk pengelolaan aset keuangan financial liabilities shall not be reclassified.
tersebut. Sedangkan, liabilitas keuangan
tidak direklasifikasi.
Penurunan Nilai Aset Keuangan Impairment of Financial Asset
Pada setiap tanggal pelaporan, Perusahaan At each reporting date, the Company
menilai apakah risiko kredit dari instrumen assesses whether the credit risk on a
keuangan telah meningkat secara signifikan financial instrument has increased
sejak pengakuan awal. Ketika melakukan significantly since initial recognition. When
penilaian, Perusahaan mengacu pada making the assessment, the Company uses
perubahan atas risiko gagal bayar yang the change in the risk of a default occurring
terjadi sepanjang perkiraan usia instrumen over the expected life of the financial
keuangan daripada perubahan atas jumlah instrument instead of the change in the
kerugian kredit ekspektasian. Dalam amount of expected credit losses. To make
melakukan penilaian, Perusahaan that assessment, the Company compares the
membandingkan antara risiko gagal bayar risk of a default occurring on the financial
yang terjadi atas instrumen keuangan pada instrument as at the reporting date with the
saat periode pelaporan dengan risiko gagal risk of a default occurring on the financial
bayar yang terjadi atas instrumen keuangan instrument as at the date of initial recognition
pada saat pengakuan awal dan and consider reasonable and supportable
mempertimbangkan kewajaran serta information, that is available without undue
ketersediaan informasi, yang tersedia tanpa cost or effort at the reporting date about past
biaya atau usaha pada saat tanggal events, current conditions and forecasts of
pelaporan terkait dengan kejadian masa future economic conditions, that is indicative
lalu, kondisi terkini dan perkiraan atas of significant increases in credit risk since
kondisi ekonomi di masa depan, yang initial recognition.
mengindikasikan kenaikan risiko kredit sejak
pengakuan awal.
Perusahaan menggunakan pendekatan The Company uses the general approach to
umum dalam mengukur penurunan nilai measure impairment for financial assets
(Tahap 1, Tahap 2 dan Tahap 3) dengan (Stage 1, Stage 2 and Stage 3) by
menentukan apakah terjadi peningkatan determining whether a significant increase in
risiko kredit yang signifikan atas aset credit risk has occurred on financial asset
keuangan sejak awal atau fasilitas tersebut since initial recognition or whether the facility
gagal bayar pada tanggal pelaporan. is defaulted on the reporting date.
1. Tahap 1 - Kerugian Kredit 1. Stage 1 - 12-months Expected Credit
Ekspektasian (“ECL”) 12 bulan Losses (ECL)
Tahap 1 mencakup aset keuangan yang Stage 1: includes financial assets that
tidak memiliki peningkatan signifikan have not had a significant increase in
atas risiko kredit sejak pengakuan awal credit risk since initial recognition or that
atau memiliki risiko kredit rendah pada have low credit risk as at the reporting
tanggal pelaporan. Untuk aset ini, ECL date. For these assets, 12-months ECL
12 bulan akan dihitung. is recognized.
Aset keuangan yang dikategorikan Financial assets categorized as Stage 1
sebagai Tahap 1 adalah aset keuangan are financial assets that are overdue for
dengan hari tunggakan kurang atau 30 days or less.
sama dengan 30 hari.
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Page 560
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2. Tahap 2 - Peningkatan risiko kredit 2. Stage 2 - Significant increase in credit
yang signifikan risk
Tahap 2 mencakup aset keuangan Stage 2: includes financial assets that
yang mengalami peningkatan signifikan have had a significant increase in credit
atas risiko kredit, namun tidak memiliki risk but do not have objective evidence
bukti penurunan nilai yang obyektif. of impairment. For these assets, lifetime
Untuk aset ini, ECL lifetime dihitung. ECL are recognized.
Aset keuangan yang dianggap telah Financial assets are considered to
mengalami peningkatan risiko kredit experience significant increase in credit
yang signifikan dan dikategorikan risk and categorized as Stage 2 if the
sebagai Tahap 2 jika aset keuangan financial assets are 31-90 days past due.
memiliki hari tunggakan dari 31-90 hari. Financial asset that has proposed
Aset keuangan yang telah restructuring program, is considered to
mengajukan program restrukturisasi, experience significant increase in credit
juga dianggap telah mengalami risk, thus, categorized as Stage 2.
peningkatan risiko kredit yang signifikan
sehingga akan dikategorikan sebagai
Tahap 2.
3. Tahap 3 - Eksposur yang mengalami 3. Stage 3 - Credit impaired (or
penurunan nilai kredit atau gagal defaulted) exposures
bayar
Tahap 3 mencakup aset keuangan Stage 3 includes financial assets that
yang memiliki bukti obyektif penurunan have objective evidence of impairment
nilai pada tanggal pelaporan. Tahap ini as at the reporting date. This stage
berisi debitur yang telah impaired include debtor’s accounts that already
(gagal bayar). are impaired (defaulted).
Aset keuangan yang dikategorikan Financial assets categorized as Stage 3
sebagai Tahap 3 adalah aset are financial assets that are more than 90
keuangan dengan hari tunggakan lebih days past due.
dari 90 hari.
Faktor utama dalam menentukan apakah The key factor in determining whether
aset keuangan memerlukan ECL 12 bulan allowance for ECL in a financial asset should
(Tahap 1) atau ECL lifetime (Tahap 2) be measured using 12-months (Stage 1) or
disebut dengan kriteria Peningkatan lifetime ECL (Stage 2) is the Significant
Signifikan dalam Risiko Kredit (SICR). Increase in Credit Risk (SICR). Determining
Penentuan kriteria peningkatan risiko kredit SICR involves assessment of whether there
yang signifikan (SICR) memerlukan has been a significant increase in credit risk at
pengkajian apakah telah terjadi peningkatan reporting date.
risiko kredit yang signifikan pada tanggal
pelaporan.
PSAK N o . 71 mensyaratkan penyertaan SFAS No. 71 requires inclusion of information
informasi tentang kejadian masa lalu, kondisi about past events, current conditions, and
saat ini, dan perkiraan kondisi ekonomi forecasts of future economic conditions. The
masa depan. Perkiraan perubahan dalam estimates of changes in expected credit
kerugian kredit yang diharapkan harus losses should reflect, and be directionally
mencerminkan, dan secara langsung consistent with, changes in related
konsisten dengan, perubahan dalam data observable data from period to period. The
terkait yang diobservasi dari periode ke calculation of ECL requires estimation of
periode. Perhitungan ECL ini membutuhkan forward-looking Probability of Default (PD),
estimasi forward-looking dari Probability of Loss Given Default (LGD), and Exposure at
Default (PD), Loss Given Default (LGD), Default (EAD).
dan Exposure at Default (EAD).
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Page 561
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
1. Probability of Default (“PD”) 1. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over
dikalibrasikan sampai dengan periode up to 12 months from the reporting date
12 bulan dari tanggal laporan (Tahap (Stage 1) or over the lifetime of the
1) atau sepanjang umur (Tahap 2 dan product (Stage 2 and 3) and
3) dan digabungkan pada dampak incorporated with the impact of forward-
asumsi ekonomi masa depan yang looking economic assumptions that have
memiliki risiko kredit. PD diestimasikan an effect on credit risk. PD estimated at
pada suatu titik waktu (point in time) a point in time that means it will fluctuate
dimana hal ini berfluktuasi sejalan in line with the economic cycle.
dengan siklus ekonomi.
2. Loss Given Default (“LGD”) 2. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul The loss that is expected to arise from
dari debitur yang mengalami gagal debtors who defaulted incorporating the
bayar dengan menggabungkan dampak impact of relevant forward- looking
dari asumsi ekonomi masa depan yang economic assumptions (if any), which
relevan (jika ada) dimana hal ini represents the difference between the
mewakili perbedaan antara arus kas contractual cash flows due and those
kontraktual yang akan jatuh tempo that the Company expects to receive.
dengan arus kas yang diharapkan untuk The Company estimates LGD based on
diterima. Perusahaan the historical recovery rates and
mengestimasikan LGD berdasarkan considers the recovery of all assets
data historis dari tingkat pemulihan dan managed by the Company, taking into
memperhitungkan pemulihan yang account forward-looking economic
berasal dari seluruh aset yang dikelola assumptions.
oleh Perusahaan dengan
mempertimbangkan asumsi ekonomi
masa depan.
3. Exposure at Default (“EAD”) 3. Exposure at Default (“EAD”)
Perkiraan nilai eksposur laporan posisi The expected balance sheet exposure at
keuangan pada saat gagal bayar the time of default, taking into account
dengan mempertimbangkan bahwa that expected change in exposure over
perubahan ekspektasi yang diharapkan the lifetime of the exposure. This
selama masa eksposur. Hal ini incorporates the impact of drawdowns of
menggabungkan dampak penarikan committed facilities, repayments of
fasilitas yang hampir pasti terjadi principal and interest, amortization and
(committed), pembayaran pokok dan prepayments, with the impact of forward-
bunga, amortisasi dan pembayaran looking economic assumptions.
dipercepat, bersama dengan dampak
asumsi ekonomi masa depan.
Penghentian Pengakuan Aset dan Derecognition of Financial Assets and
Liabilitas Keuangan Liabilities
1. Aset Keuangan 1. Financial Assets
Aset keuangan (atau bagian dari suatu Financial asset (or, where applicable, a
aset keuangan, atau kelompok aset part of a financial asset or part of a group
keuangan serupa) dihentikan of similar financial assets) is
pengakuannya jika: derecognized when:
a. Hak kontraktual atas arus kas yang a. The rights to receive cash flows
berasal dari aset keuangan from the asset have expired;
tersebut berakhir;
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Perusahaan telah mengalihkan b. The Company has transferred its
haknya untuk menerima arus kas rights to receive cash flows from the
dari aset atau menanggung asset or has assumed an obligation
kewajiban untuk membayar arus to pay the received cash flows in full
kas yang diterima tersebut secara without material delay to a third
penuh tanpa penundaan yang party under a ‘pass-through’
material kepada pihak ketiga arrangement; an either (a) The
berdasarkan kesepakatan ’pass- Company has transferred
through’, dan salah satu dari (a) substantially all the risks and
Perusahaan telah mengalihkan rewards of the asset, or (b) The
secara substansial seluruh risiko Company has neither transferred
dan manfaat atas aset, atau (b) nor retained substantially the risks
Perusahaan tidak mengalihkan and rewards of the asset, but has
maupun tidak memiliki secara transferred control of the asset.
substansial atas seluruh risiko dan
manfaat atas aset, tetapi telah
mengalihkan kendali atas aset.
2. Liabilitas Keuangan 2. Financial Liabilities
Liabilitas keuangan dihentikan A financial liability is derecognized when
pengakuannya jika liabilitas keuangan the obligation under the contract is
tersebut berakhir, dibatalkan, atau telah discharged, cancelled or has expired.
kadaluarsa.
f. Pengukuran Nilai Wajar f. Fair Value Measurement
Pengukuran nilai wajar didasarkan pada The fair value measurement is based on the
asumsi bahwa transaksi untuk menjual aset presumption that the transaction to sell the
atau mengalihkan liabilitas akan terjadi: asset or transfer the liability takes place
either:
1. di pasar utama untuk aset atau liabilitas 1. in the principal market for the asset or
tersebut atau; liability or;
2. jika tidak terdapat pasar utama, di pasar 2. in the absence of a principal market, in
yang paling menguntungkan untuk aset the most advantageous market for the
atau liabilitas tersebut. asset or liability
Perusahaan harus memiliki akses ke pasar The Company must have access to the
utama atau pasar yang paling principal or the most advantageous market at
menguntungkan pada tanggal pengukuran. the measurement date.
Nilai wajar aset atau liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan digunakan measured using the assumptions that market
pelaku pasar ketika menentukan harga aset participants would use when pricing the asset
atau liabilitas tersebut, dengan asumsi or liability, assuming that market participants
bahwa pelaku pasar bertindak dalam act in their economic best interest.
kepentingan ekonomi terbaiknya.
Pengukuran nilai wajar aset non-keuangan A fair value measurement of a non-financial
memperhitungkan kemampuan pelaku asset takes into account a market
pasar untuk menghasilkan manfaat participant’s ability to generate economic
ekonomik dengan menggunakan aset benefits by using the asset in its highest and
dalam penggunaan tertinggi dan terbaiknya, best use or by selling it to another market
atau dengan menjualnya kepada pelaku participant that would use the asset in its
pasar lain yang akan menggunakan aset highest and best use.
tersebut dalam penggunaan tertinggi dan
terbaiknya.
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Page 563
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Ketika Perusahaan menggunakan teknik When the Company uses valuation
penilaian, maka Perusahaan techniques, it maximizes the use of relevant
memaksimalkan penggunaan input yang observable inputs and minimizing the use of
dapat diobservasi yang relevan dan unobservable inputs.
meminimalkan penggunaan input yang tidak
dapat diobservasi.
Seluruh aset dan liabilitas yang mana nilai All assets and liabilities for which fair value is
wajar aset atau liabilitas tersebut diukur atau measured or disclosed in the financial
diungkapkan, dikategorikan dalam hirarki statements are categorized within the fair
nilai wajar sebagai berikut: value hierarchy as follows:
• Level 1 - harga kuotasian (tanpa • Level 1 - Quoted (unadjusted) market
penyesuaian) di pasar aktif untuk aset prices in active markets for identical
atau liabilitas yang identik; assets or liabilities;
• Level 2 - teknik penilaian dimana level • Level 2 - Valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to
pengukuran nilai wajar dapat the fair value measurement is directly or
diobservasi, baik secara langsung indirectly observable;
maupun tidak langsung;
• Level 3 - teknik penilaian dimana level • Level 3 - Valuation techniques for which
input terendah yang signifikan terhadap the lowest level input that is significant to
pengukuran nilai wajar tidak dapat the fair value measurement is
diobservasi. unobservable.
Untuk aset dan liabilitas yang diukur pada For assets and liabilities that are recognized
nilai wajar secara berulang dalam laporan in the financial statements on a recurring
keuangan, maka Perusahaan menentukan basis, the Company determines whether
apakah telah terjadi transfer di antara there are transfers between levels in the
level hirarki dengan menilai kembali hierarchy by re-assessing categorization at
pengkategorian level nilai wajar pada setiap the end of each reporting period.
akhir periode pelaporan.
g. Giro Wajib Minimum (GWM) g. Minimum Liquidity Reserve
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
GWM Perusahaan telah sesuai dengan Company's Statutory Reserves has complied
ketentuan Peraturan Bank Indonesia (“PBI”) with the provisions of Bank Indonesia
mengenai Giro Wajib Minimum Bank Umum Regulations ("PBI") regarding the minimum
pada Bank Indonesia dalam Rupiah dan Statutory Reserves for Commercial Banks at
Mata Uang Asing, dengan perubahan Bank Indonesia in Rupiah and Foreign
terakhir sesuai dengan Peraturan Anggota Currency, with latest amendment in
Dewan Gubernur No. 12 Tahun 2023 accordance with Regulation of Members of
tanggal 1 Oktober 2023 tentang Perubahan the Board of Governors No. 12 Year 2023
Kedua atas Peraturan Anggota Dewan dated October 1, 2023 concerning the
Gubernur No. 24/8/PADG/2022 tentang second amendment to the Regulation of
Peraturan Pelaksanaan Pemenuhan Giro Members of the Board of Governors No.
Wajib Minimum dalam Rupiah dan Valuta 24/8/PADG/2022 concerning Minimum
Asing bagi Bank Umum Konvensional, Bank Statutory Reserves in Rupiah and Foreign
Umum Syariah, dan Unit Usaha Syariah, Currency for Conventional Commercial
dimana rasio GWM Rupiah harus dipenuhi Banks, Islamic Commercial Banks, and
sebesar 9% dengan pemenuhan secara Sharia Business Units, where the Rupiah
harian sebesar 0%, PLM sebesar 5%, serta Statutory Reserves must be met is 9% with
valuta asing sebesar 4%. daily fulfillment of 0%, PLM for 5%, as well as
foreign currency of 4%.
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Page 564
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
h. Penempatan pada Bank Indonesia dan h. Placements with Bank Indonesia and
Bank Lain Other Banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain merupakan penanaman dana dalam banks represent investments in call money,
bentuk call money, deposit facility, dan term deposit facility, and term deposit.
deposit.
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain diklasifikasikan sebagai aset keuangan banks are classified as financial assets at
yang diukur biaya perolehan diamortisasi. amortized cost. Refer to Note 2e for the
Lihat Catatan 2e untuk kebijakan akuntansi accounting policy on financial instruments.
pengukuran instrumen keuangan.
i. Efek-efek i. Marketable Securities
Efek-efek selain Sukuk Securities other than Sukuk
Efek-efek yang dimiliki terdiri dari Sertifikat Marketable securities consist of Bank
Bank Indonesia, obligasi, reksadana, Indonesia Deposit Certificate, bonds, mutual
tagihan wesel ekspor, dan efek-efek pasar funds, export bills receivable, and other
uang dan pasar modal lainnya. money market and capital market securities.
Obligasi terdiri dari Obligasi Pemerintah dan Bonds consist of Government Bonds and
Obligasi Korporasi yang dibeli dari pasar. Corporate Bonds purchased from the market.
Efek-efek dan Obligasi Pemerintah Marketable securities and Government
diklasifikasikan sebagai aset keuangan Bonds are classified as financial assets at fair
yang diukur pada nilai wajar melalui laba value through profit loss, other
rugi, pada nilai wajar melalui penghasilan comprehensive income, and at amortized
komprehensif lain, dan biaya perolehan cost. Refer to Note 2e for the accounting
diamortisasi. Lihat Catatan 2e untuk policy on financial instruments.
kebijakan akuntansi atas pengukuran
instrumen keuangan.
Investasi Sukuk Investment in Sukuk
Investasi sukuk yang diukur pada biaya Investment in sukuk measured at cost are
perolehan pada awalnya diakui sebesar initially recognized at cost, including
biaya perolehan, termasuk biaya transaksi. transaction costs. The difference between
Selisih antara biaya perolehan dan nilai the acquisition cost and nominal value is
nominal diamortisasi secara garis lurus amortized on straight-line basis over the term
selama jangka waktu sukuk dan diakui of sukuk and recognized in profit or loss. An
dalam laba rugi. Rugi penurunan nilai diakui impairment loss is recognized in profit or loss
dalam laba rugi apabila jumlah terpulihkan when the recoverable amount is less than the
lebih kecil daripada jumlah tercatat. carrying amount.
Investasi sukuk yang diukur pada nilai wajar Investment in sukuk measured at fair value
melalui laba rugi pada awalnya diakui through profit or loss are initially recognized
sebesar biaya perolehan, tidak termasuk at cost, excluding transaction costs. After
biaya transaksi. Setelah pengakuan awal, initial recognition, the difference between the
selisih antara nilai wajar dan jumlah tercatat fair value and the carrying amount is
diakui dalam laba rugi. recognized in profit or loss.
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Page 565
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Investasi sukuk yang diukur pada nilai wajar Investment in sukuk measured at fair value
melalui penghasilan komprehensif lain pada through other comprehensive income are
awalnya diakui sebesar biaya perolehan, initially recognized at cost, including
termasuk biaya transaksi. Setelah transaction costs. After initial recognition, the
pengakuan awal, selisih antara biaya difference between the acquisition cost and
perolehan dan nilai nominal diamortisasi nominal value is amortized on straight-line
secara garis lurus selama jangka waktu basis over the term of the sukuk and
sukuk dan diakui dalam laba rugi. recognized in profit or loss. Gains or losses
Keuntungan atau kerugian dari perubahan from changes in fair value is recognized in
nilai wajar diakui dalam penghasilan other comprehensive income. When the
komprehensif lain. Ketika investasi sukuk investments in sukuk are derecognized, the
dihentikan pengakuannya, akumulasi cumulative gain or loss previously recognized
keuntungan atau kerugian yang in other comprehensive income is
sebelumnya diakui dalam penghasilan reclassified to profit or loss as a
komprehensif lain direklasifikasi ke laba rugi reclassification adjustment. An impairment
sebagai penyesuaian reklasifikasi. Rugi loss is recognized in profit or loss when the
penurunan nilai diakui dalam laba rugi recoverable amount is less than the carrying
apabila jumlah terpulihkan lebih kecil amount, after taking into account the balance
daripada jumlah tercatat, setelah in other comprehensive income.
memperhitungkan saldo dalam penghasilan
komprehensif lain.
j. Kredit yang Diberikan dan Piutang/ k. j. Loans and Receivables/Sharia Financing
Pembiayaan Syariah
Kredit yang diberikan adalah penyediaan Loans represent provision of cash or cash
uang atau tagihan yang dapat disetarakan equivalents based on agreements with
dengan kas, berdasarkan persetujuan atau borrowers, where borrowers required to
kesepakatan pinjam-meminjam dengan repay their debts with interest after specified
debitur yang mewajibkan debitur untuk periods.
melunasi utang berikut bunganya setelah
jangka waktu tertentu.
Kredit yang diberikan diklasifikasikan Loans are classified as financial assets at
sebagai aset keuangan yang diukur pada amortized cost (Note 2e).
biaya perolehan diamortisasi (Catatan 2e).
Termasuk dalam kredit yang diberikan Loans include sharia financing which consist
adalah pembiayaan syariah yang terdiri dari of murabahah receivables, qardh
piutang murabahah, piutang qardh, receivables, musyarakah financing,
pembiayaan musyarakah, pembiayaan mudharabah financing and ijarah
mudharabah dan piutang ijarah. receivables.
Murabahah adalah akad jual beli barang Murabahah is an agreement for the sale and
dengan harga jual sebesar biaya perolehan purchase of goods with sales price equivalent
ditambah keuntungan (marjin) yang to cost plus agreed margin, and the seller
disepakati dan penjual harus should inform the buyer the purchase cost.
mengungkapan biaya perolehan barang
tersebut kepada pembeli.
Qardh adalah akad pinjam meminjam dana Qardh is a loan/borrowing funds without profit
tanpa imbalan dengan liabilitas pihak wherein the borrower return the principal of
peminjam mengembalikan pokok pinjaman the loan at lump sum or on installment over
secara sekaligus atau cicilan dalam jangka certain period.
waktu tertentu.
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Page 566
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Musyarakah adalah akad kerjasama antara Musyarakah is an agreement between
dua pihak atau lebih untuk suatu usaha investors (musyarakah partners) to have a
tertentu, dimana masing-masing pihak joint-venture in a partnership, at an agreed
memberikan kontribusi dana dengan nisbah sharing portion, while losses will be
ketentuan bahwa keuntungan dibagi proportionately distributed based on the
berdasarkan kesepakatan sedangkan capital contribution. These funds including
kerugian berdasarkan porsi kontribusi dana. cash or non-cash assets which are allowed
Dana tersebut meliputi kas atau aset nonkas by sharia.
yang diperkenankan oleh syariah.
Mudharabah adalah akad kerjasama usaha Mudharabah is an agreement between the
antara bank sebagai pemilik dana (shahibul bank as an owner of funds (shahibul maal)
maal) dan nasabah selaku pengelola dana and customer as a fund manager (mudharib)
(mudharib), menjalankan usaha dengan to run a business with pre-defined terms of
penentuan awal keuntungan dan kerugian gain or loss (nisbah). Ijarah is a lease
(nisbah). Ijarah adalah akad sewa-menyewa agreement between the lessor (lease object)
antara pemilik (objek sewa) dan penyewa and lessee to get margin from leased object.
untuk mendapatkan imbalan atas objek
sewa yang disewakannya.
Pembiayaan syariah disajikan sebesar Sharia financing is presented in the amount
jumlah pembiayaan dikurangi dengan of financing minus the allowance for
cadangan kerugian penurunan nilai dengan impairment losses with a minimum amount
jumlah minimum berdasarkan Peraturan based on Financial Services Authority
Otoritas Jasa Keuangan (POJK) Regulation (POJK) No. 2/POJK.03/2022
No. 2/POJK.03/2022 tentang Penilaian regarding Asset Quality Ratings for Sharia
Kualitas Aset Bank Umum Syariah dan Bank and Sharia Business Unit and Financial
Unit Usaha Syariah dan POJK Services Authority Regulation
No. 11/POJK.03/2020 tanggal 13 Maret No. 11/POJK.03/2020 dated March 13, 2020
2020 tentang Stimulus Perekonomian concerning National Economic Stimulus as a
Nasional sebagai Kebijakan Counter Counter Cyclical Policy on the Impact of the
Cyclical Dampak Penyebaran Corona Virus Spread of Corona Virus Diseases 2019.
Diseases 2019.
Pembiayaan syariah dengan akad Sharia financing with murabahah contract is
murabahah disajikan sebesar jumlah presented at the financing amount less
pembiayaan dikurangi cadangan kerugian allowance for impairment losses in
penurunan nilai sesuai dengan PSAK accordance with SFAS No. 102 (Amendment
No. 102 (Amandemen 2019). 2019).
Ketika kredit yang diberikan tidak tertagih, For uncollected loans, the loans are written
kredit tersebut dihapus buku dengan off by reversing the journal of allowance for
menjurnal balik cadangan kerugian impairment losses. Such loans can be
penurunan nilai. Kredit yang diberikan written-off after all the necessary procedures
tersebut dapat dihapus buku setelah semua have been performed and the amount of the
prosedur yang diperlukan telah dilakukan loss has been determined.
dan jumlah kerugian telah ditentukan.
Kriteria debitur yang dapat dihapus bukukan Criteria of the debtor that can be written off
meliputi: include:
1. Fasilitas kredit telah mengalami 1. The credit facilities have been impaired;
penurunan nilai;
2. Fasilitas kredit telah dibentuk cadangan 2. The credit facility has been provided
kerugian penurunan nilai sebesar 100% with allowance for impairment losses
dari pokok kredit; amounting to 100% of the loan
principal;
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Page 567
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
3. Telah dilakukan berbagai upaya 3. Efforts for billing and recovery have
penagihan dan pemulihan, namun tidak been made, but to no avail;
berhasil;
4. Usaha debitur sudah tidak mempunyai 4. The debtor’s business has no
prospek atau kinerja debitur buruk atau prospects or has poor performance or
tidak ada kemampuan membayar; no ability to pay;
5. Hapus buku dilakukan terhadap semua 5. The write–off are perfomed for all loan
kewajiban kredit, termasuk dari fasilitas obligations, including those from non-
pinjaman non tunai sehingga cash loan facility so that the write-offs
penghapusan tidak dapat dilakukan can not be done on some of its loan
pada beberapa kewajiban kreditnya obligations (partial write-off);
(penghapusan sebagian);
Apabila aset yang dijaminkan diambil alih, If the assets pledged as collateral are
maka Perusahaan akan menjurnal balik foreclosed, the Company should reverse
cadangan kerugian penurunan nilai dan allowance for impairment losses and
mengakui agunan yang diambil alih yang recognize foreclosed properties that are
diukur pada nilai yang lebih rendah antara measured at the lower of carrying amount
nilai tercatat dan nilai wajar setelah and fair value less costs to sell.
dikurangi biaya untuk menjual.
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification
persyaratan kredit, konversi kredit menjadi of the terms of the loans, conversion of loans
saham atau instrumen keuangan lainnya into equity or other financial instruments
dan/atau kombinasi dari keduanya. and/or a combination of both.
Kredit yang direstrukturisasi disajikan Restructured loans are stated at the lower of
sebesar nilai yang lebih rendah antara nilai carrying value of the loan at the time of
tercatat kredit pada tanggal restrukturisasi restructuring or net present value of the total
atau nilai tunai penerimaan kas masa depan future cash receipts after restructuring.
setelah restrukturisasi. Kerugian akibat Losses arising from any excess of the
selisih antara nilai tercatat kredit pada carrying value of the loan at the time of
tanggal restrukturisasi dengan nilai tunai restructuring over the net present value of the
penerimaan kas masa depan setelah total future cash receipts after restructuring
restrukturisasi diakui sebagai laba/rugi. are recognised as profit/loss. Thereafter, all
Setelah restrukturisasi, semua penerimaan cash receipts under the new terms shall be
kas masa depan yang ditetapkan dalam accounted for as a return of principal and
persyaratan baru dicatat sebagai interest income, in accordance with the
pengembalian pokok kredit yang diberikan restructuring scheme.
dan pendapatan bunga sesuai dengan
syarat-syarat restrukturisasi.
k. Tagihan dan Liabilitas Akseptasi k. Acceptances Receivable and Payable
Tagihan akseptasi diklasifikasikan sebagai Acceptances receivable are classified as
aset keuangan pada biaya perolehan financial assets at amortized cost. Refer to
diamortisasi. Lihat Catatan 2e untuk Note 2e for the accounting policy on financial
kebijakan akuntansi atas instrumen instruments.
keuangan.
Liabilitas akseptasi diklasifikasikan sebagai Acceptances payable are classified as
liabilitas keuangan yang diukur dengan financial liabilities at amortized cost. Refer to
biaya perolehan diamortisasi. Lihat Catatan Note 2e for the accounting policy on financial
2e untuk kebijakan akuntansi atas instrumen instruments.
keuangan.
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
l. Efek yang Dibeli dengan Janji Jual l. Securities Purchased Under Agreements
Kembali dan Efek yang Dijual dengan to Resell and Securities Sold Under
Janji Beli Kembali Agreements to Repurchase
Efek yang Dibeli dengan Janji Jual Securities Purchased Under Agreements
Kembali (Reverse Repo) to Resell (Reverse Repo)
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale
(reverse repo) disajikan sebagai tagihan agreements (reverse repo) are presented as
sebesar harga jual kembali yang disepakati receivables at the agreed resale price net of
dikurangi dengan selisih antara harga beli the difference between the purchase price
dan harga jual kembali yang disepakati and agreed resale price (unearned interest
(pendapatan bunga yang ditangguhkan) income) and allowance for impairment
dan cadangan kerugian penurunan nilai. losses. The difference between the purchase
Selisih antara harga beli dan harga jual price and the agreed resale price are
kembali yang disepakati tersebut amortized using effective interest rate as
diamortisasi dengan menggunakan suku interest income over the period, commencing
bunga efektif sebagai pendapatan bunga from the acquisition date to the resale date.
selama jangka waktu sejak efek itu dibeli
hingga saat dijual kembali.
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale
diklasifikasikan sebagai aset keuangan agreements are classified in financial assets
yang diukur pada biaya perolehan measured at amortized cost category. Refer
diamortisasi. Lihat Catatan 2e untuk to Note 2e for accounting policy for financial
kebijakan akuntansi atas instrumen instruments.
keuangan.
Efek yang Dijual dengan Janji Beli Securities Sold Under Agreements to
Kembali (Repo) Repurchase (Repo)
Efek yang dijual dengan janji beli kembali Securities sold under agreements to
(repo) diakui sebagai liabilitas sebesar repurchase (repo) are recognized as liabilities
harga pembelian kembali yang disepakati at the repurchase price agreed with the
dengan nasabah dikurangi beban bunga customer less unamortized interest expense.
yang belum diamortisasi. Selisih antara The difference between the selling price and
harga jual dan harga beli kembali the repurchase price is treated as prepaid
diperlakukan sebagai bunga dibayar dimuka interest expense and recognized as interest
dan diakui sebagai beban bunga sesuai expense over the period from the sale of
dengan jangka waktu sejak efek dijual securities until it is repurchased. Securities
hingga dibeli kembali. Efek yang dijual tetap sold are recorded as assets in statements of
dicatat sebagai aset dalam laporan posisi financial position since the ownership of the
keuangan karena kepemilikan efek tetap securities remains with the Company as the
berada pada pihak Perusahaan sebagai seller.
penjual.
Efek yang dijual dengan janji dibeli kembali Securities sold under agreements to
diklasifikasikan sebagai liabilitas keuangan repurchase are classified in financial liabilities
yang diukur pada biaya perolehan measured at amortized cost category. Refer
diamortisasi. Lihat Catatan 2e untuk to Note 2e for accounting policy for financial
kebijakan akuntansi atas instrumen instruments.
keuangan.
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Page 569
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
m. Kontrak Jaminan Keuangan dan Tagihan m. Financial Guarantee Contracts and Other
Komitmen Lainnya Commitments
Kontrak jaminan keuangan adalah kontrak Financial guarantee contracts are contracts
yang mengharuskan penerbit untuk that require the issuer to make specified
melakukan pembayaran kepada pemegang payments to reimburse the holder for a loss
kontrak atas kerugian yang terjadi karena incurred because a specified debtor
debitur tertentu gagal untuk melakukan defaulted to make payments when due, in
pembayaran pada saat jatuh tempo, sesuai accordance with the terms of a debt
dengan ketentuan dari instrumen utang. instrument. Such financial guarantees are
Jaminan keuangan tersebut diberikan given to banks, financial institutions and other
kepada bank, lembaga keuangan dan institutions on behalf of customers to secure
badan-badan lainnya atas nama debitur loans, other banking facilities and undrawn
untuk menjamin kredit, fasilitas-fasilitas provision of loans.
perbankan lainnya dan penyediaan dana
yang belum ditarik.
Pengakuan awal jaminan keuangan dalam Financial guarantees are initially recognized
laporan keuangan adalah sebesar nilai in the financial statements at fair value on the
wajar pada saat jaminan diberikan. Nilai date the guarantee was given. The fair value
wajar jaminan keuangan pada saat of a financial guarantee at inception is likely
berlakunya transaksi pada umumnya sama to equal the premium received because all
dengan premi yang diterima karena guarantees are agreed on arm’s length terms
diberikan dengan syarat dan kondisi normal and the initial fair value is amortized over the
dan nilai wajar awal diamortisasi sepanjang life of the financial guarantees.
umur jaminan keuangan.
Setelah pengakuan awal kontrak, jaminan Subsequently, they are measured at the
keuangan dicatat pada nilai yang lebih tinggi higher of amortized amount and the present
antara biaya perolehan diamortisasi dengan value of any expected payment (when
nilai kini pembayaran yang diharapkan akan a payment under the guarantee has become
terjadi (ketika pembayaran atas jaminan probable) and the difference is charged to
menjadi besar kemungkinan terjadinya), other operating expense in the profit or loss.
dan selisihnya dibebankan sebagai beban
operasional lainnya dalam laba rugi.
Cadangan kerugian penurunan nilai atas Allowance for impairment losses on certain
komitmen berdasarkan dari model kerugian commitment are based on expected losses
ekspektasian (Catatan 2e). model (Note 2e).
n. Aset Tetap n. Property and Equipment
Aset tetap, kecuali tanah dan bangunan, Property and equipment, except for land and
dinyatakan berdasarkan biaya perolehan, buildings, are carried at cost, excluding day
tetapi tidak termasuk biaya perawatan to day servicing, less accumulated
sehari-hari, dikurangi akumulasi penyusutan depreciation and impairment, if any.
dan akumulasi rugi penurunan nilai, jika ada.
Tanah dinyatakan berdasarkan nilai Land is stated at the revalued amount less
revaluasian dikurangi akumulasi rugi accumulated impairment losses, if any.
penurunan nilai, jika ada.
Bangunan dinyatakan berdasarkan nilai Buildings are stated at the revalued amount
revaluasian dikurangi akumulasi less accumulated depreciation and
penyusutan dan akumulasi rugi penurunan accumulated impairment losses, if any.
nilai, jika ada.
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Page 570
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Nilai revaluasian tanah dan bangunan Revaluation amount of land and buildings
ditentukan oleh penilai independen. Pada was determined by an independent
saat model revaluasi diterapkan, akumulasi appraiser. At the time of the application of
penyusutan bangunan pada tanggal revaluation model, accumulated depreciation
revaluasi dieliminasi terhadap biaya of buildings on the date of revaluation is
perolehan dan nilai tercatat neto setelah eliminated against the gross carrying amount
dieliminasi disajikan kembali sebesar jumlah of the asset and the net amount is restated to
revaluasian. Kenaikan nilai akibat revaluasi the revalued amount of the building.
dikreditkan ke akun “Surplus revaluasi aset Revaluation surplus is credited to the account
tetap” sebagai “Komponen ekuitas lainnya” "Revaluation surplus of property and
di bagian ekuitas pada laporan posisi equipment" which is included in "Other equity
keuangan dan laporan perubahan ekuitas. components" in the equity section of the
Penurunan nilai yang menghapuskan statement of financial position and statement
kenaikan nilai sebelumnya atas aset yang of changes in equity. Impairment that will
sama diakui dalam penghasilan reverse the previously recognize increament
komprehensif lain, sedangkan penurunan of the asset is recognized in other
nilai lainnya langsung dibebankan ke laba comprehensive income, while other
rugi. Surplus revaluasi aset tetap akan impairment is directly charged to profit or
dipindahkan dari “Komponen ekuitas loss. Revaluation surplus of property and
lainnya” ke “Saldo laba” pada saat aset equipment will be transferred from "Other
dihentikan penggunaannya. equity components" to "Retained earnings" at
the time the asset is derecognized.
Biaya perolehan awal aset tetap meliputi The initial cost of property and equipment
harga perolehan, termasuk bea impor consists of its purchase price, including
dan pajak pembelian yang tidak boleh non-refundable import duties and taxes and
dikreditkan dan biaya-biaya yang dapat any directly attributable costs in bringing the
diatribusikan secara langsung untuk property and equipment to its working
membawa aset ke lokasi dan kondisi condition and location for its intended use.
yang diinginkan sesuai dengan tujuan
penggunaan yang ditetapkan.
Revaluasi akan dilakukan dengan Revaluation will be perfomed regularly to
keteraturan yang cukup reguler untuk ensure that the carrying amount does not
memastikan bahwa jumlah tercatat tidak differ materially from the amount determined
berbeda secara material dengan jumlah using the fair value at the end of the reporting
yang ditentukan dengan menggunakan nilai period.
wajar pada akhir periode pelaporan.
Beban-beban yang timbul setelah aset tetap Expenditures incurred after the property and
digunakan, seperti beban perbaikan dan equipment have been put into operations,
pemeliharaan, dibebankan ke laba rugi pada such as repairs and maintenance costs, are
saat terjadinya. Apabila beban-beban normally charged to profit or loss in the year
tersebut menimbulkan peningkatan manfaat such costs are incurred. If these expenditures
ekonomis di masa datang dari penggunaan have resulted in an increase in the future
aset tetap tersebut yang dapat melebihi economic benefits expected to be obtained
kinerja normalnya, maka beban-beban from the use of the property and equipment
tersebut dikapitalisasi sebagai tambahan beyond its originally assessed standard of
biaya perolehan aset tetap. performance, the expenditures are
capitalized as additional costs of property
and equipment.
Penyusutan dihitung berdasarkan metode Depreciation is computed on a straight-line
garis lurus (straight-line method) selama basis over the property and equipment’s
masa manfaat aset tetap sebagai berikut: useful lives, as follows:
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Tahun/Years %
Bangunan 20 5 Buildings
Inventaris kantor 10 10 Office equipment
Kendaraan bermotor 4 25 Vehicles
Nilai tercatat aset tetap ditelaah kembali dan The carrying values of property and
dilakukan penurunan nilai apabila terdapat equipment are reviewed for impairment when
peristiwa atau perubahan kondisi tertentu events or changes in circumstances indicate
yang mengindikasikan nilai tercatat tersebut that the carrying values may not be
tidak dapat dipulihkan sepenuhnya. recoverable.
Jumlah tercatat aset tetap dihentikan The carrying amount of property and
pengakuannya pada saat dilepaskan atau equipment is derecognized upon disposal or
tidak ada manfaat ekonomis masa depan when no future economic benefits are
yang diharapkan dari penggunaan atau expected from its use or disposal. Any gains
pelepasannya. Keuntungan atau kerugian or losses arising from derecognition of
yang timbul dari penghentian pengakuan property and equipment is included in profit
aset tetap diakui dalam laba rugi pada tahun or loss in the year the item is derecognized.
terjadinya penghentian pengakuan.
Nilai residu, umur manfaat, serta metode The asset’s residual values, useful life and
penyusutan ditelaah setiap akhir tahun dan depreciation method are reviewed and
dilakukan penyesuaian apabila hasil telaah adjusted, if appropriate, at each financial year
berbeda dengan estimasi sebelumnya. end.
o. Aset Ijarah o. Ijarah Assets
Aset ijarah, yakni kendaraan bermotor, Ijarah assets, such as motorcycle,
mesin, alat berat dan piranti lunak, machinery, heavy equipment and software,
disusutkan atau diamortisasi sesuai dengan are depreciated or amortized over the lease
jangka waktu sewa atau umur ekonomis term or the economic life of assets, whichever
aset, mana yang lebih pendek, dimana pada is shorter, where at the end of the contract
akhir masa akad, aset tersebut akan period, these assets are given to lessee.
dihibahkan ke penyewa.
Untuk akad ijarah muntahiyah bittamlik For the ijarah muntahiyah bittamlik contracts
(sewa pembiayaan), apabila pada saat (lease financing), if at the time of transfer of
perpindahan kepemilikan aset ijarah dari ownership of the asset from the owner to the
pemilik kepada penyewa dilakukan dengan lessee by grant, then the carrying amount is
cara hibah, maka jumlah tercatat aset ijarah recognized as an ijarah asset expense.
diakui sebagai beban.
Pendapatan sewa selama masa akad diakui Lease income during lease term is
pada saat manfaat atas aset telah recognized when the benefits of assets have
diserahkan kepada penyewa. been handed over to the lessee.
Pendapatan ijarah disajikan secara neto Ijarah income is presented net of related
setelah dikurangi beban yang terkait expenses such as, depreciation,
yakni beban penyusutan, pemeliharaan, maintenance and repairs expenses. Ijarah
dan perbaikan. Pendapatan ijarah neto net income is presented as part of " profit
disajikan sebagai bagian dari “pendapatan sharing income" in profit or loss.
bagi hasil” dalam laba rugi.
p. Agunan yang Diambil Alih p. Foreclosed Properties
Agunan kredit yang diberikan, berupa tanah Collaterals on loans in the form of land and
dan aset lainnya, yang telah diambil alih other assets foreclosed by the Company, are
oleh Perusahaan disajikan dalam perkiraan presented under “Other Assets” account.
“Aset lain-lain”.
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Agunan yang diambil alih dicatat pada nilai Foreclosed properties are stated at the lower
yang lebih rendah antara nilai tercatat dan of carrying amount and fair value less costs
nilai wajar setelah dikurangi biaya untuk to sell. The difference between the value of
menjual. Selisih antara nilai agunan yang the foreclosed properties and the outstanding
diambil alih dengan sisa pokok pinjaman loan principal, if any, is charged to the current
yang diberikan, jika ada, dibebankan ke laba year profit or loss.
rugi tahun berjalan.
Selisih antara nilai agunan yang telah The difference between the carrying value of
diambil alih dan hasil penjualannya diakui the foreclosed property and the proceeds
sebagai keuntungan atau kerugian pada from its sale is recognized as a gain or loss in
saat penjualan agunan. the period the property was sold.
Biaya-biaya yang berkaitan dengan The costs of maintenance and renovation of
pemeliharaan dan perbaikan agunan yang foreclosed properties are charged to profit or
diambil alih dibebankan ke laba rugi pada loss when incurred.
saat terjadinya.
Bila terjadi penurunan nilai yang bersifat If the decline in value is judge to be
permanen, maka nilai tercatatnya dikurangi permanent, the carrying amount of the
untuk mengakui penurunan tersebut dan property is written-down to recognize loss,
kerugiannya dibebankan pada laba rugi and such loss is charged to the current year
tahun berjalan. profit or loss.
Manajemen melakukan evaluasi secara Management evaluates periodically the value
berkala atas nilai agunan yang diambil alih. of foreclosed assets. If there are permanent
Bila terjadi penurunan nilai yang bersifat impairment, the carrying amount is reduced
permanen, maka nilai tercatatnya dikurangi to recognize the decline and losses charged
untuk mengakui penurunan tersebut dan to the profit or loss for the year.
kerugiannya dibebankan pada laba rugi.
q. Transaksi Sewa q. Lease Transactions
Sebagai Pesewa As Lessor
Sewa Operasi Operating Lease
Sewa dimana Perusahaan tetap Leases where the Company retains
mempertahankan secara substansial substantially all the risks and benefits of
seluruh risiko dan manfaat yang terkait ownership of the asset are classified as
dengan kepemilikan suatu aset operating leases. Initial direct costs incurred
diklasifikasikan sebagai sewa operasi. Biaya in negotiating an operating lease are added
langsung awal yang dapat diatribusikan to the carrying amount of the leased asset
secara langsung dengan negosiasi dan and recognized over the lease term on the
pengaturan sewa operasi ditambahkan ke same basis as rental income.
nilai tercatat aset sewaan dan diakui ke laba
rugi tahun berjalan selama masa sewa
sesuai dengan dasar pengakuan
pendapatan sewa.
Sebagai Penyewa As Lessee
Perusahaan menerapkan PSAK No. 73 The Company has applied SFAS No. 73,
yang mensyaratkan pengakuan liabilitas which set the requirement for the recognition
sewa sehubungan dengan sewa yang of lease liabilities in relation to leases which
sebelumnya diklasifikasikan sebagai ‘sewa had been previously classified as operating
operasi’. lease’.
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Page 573
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pada tanggal permulaan kontrak, At the inception of a contract, the Company
Perusahaan menilai apakah kontrak assesses whether the contract is, or
merupakan, atau mengandung, sewa. contains, a lease. A contract is or contains a
Suatu kontrak merupakan atau lease if the contract conveys the right to
mengandung sewa jika kontrak tersebut control the use of an identified assets for a
memberikan hak untuk mengendalikan period of time in exchange for consideration.
penggunaan aset identifikasian selama
suatu jangka waktu untuk dipertukarkan
dengan imbalan.
Untuk menilai apakah kontrak memberikan To assess whether a contract conveys the
hak untuk mengendalikan penggunaan aset right to control the use of an identified asset,
identifikasian, Perusahaan harus menilai the Company shall assess whether:
apakah:
- Perusahaan memiliki hak untuk - The Company has the right to obtain
mendapatkan secara substansial substantially all the economic benefits
seluruh manfaat ekonomi dari from the use of the asset throughout the
penggunaan aset identifikasian; dan period of use; and
- Perusahaan memiliki hak untuk - The Company has the right to direct the
mengarahkan penggunaan aset use of the asset. The Company has this
identifikasian. Perusahaan memiliki right when it has the decision-making
hak ini ketika Perusahaan memiliki hak rights that are the most relevant to
untuk pengambilan keputusan yang changing how and for what purpose the
relevan tentang bagaimana dan untuk asset is used are predetermined:
tujuan apa aset digunakan telah
ditentukan sebelumnya dan:
1. Perusahaan memiliki hak untuk 1. The Company has the right to
mengoperasikan aset; operate the asset;
2. Perusahaan telah mendesain aset 2. The Company has designed the
dengan cara menetapkan asset in a way that predetermined
sebelumnya bagaimana dan how and for what purpose it will be
untuk tujuan apa aset akan used.
digunakan selama periode
penggunaan.
Pada tanggal awal dimulainya kontrak atau At the inception or on reassessment of a
pada tanggal penilaian kembali atas kontrak contract that contains a lease component, the
yang mengandung sebuah komponen Company allocates the consideration in the
sewa, Perusahaan mengalokasikan imbalan contract to each lease component on the
dalam kontrak ke masing-masing komponen basis of their relative stand-alone prices and
sewa berdasarkan harga tersendiri relatif the aggregate stand-alone price of the non-
dari komponen sewa dan harga tersendiri lease components.
agregat dari komponen nonsewa.
Pada tanggal permulaan sewa, Perusahaan The Company recognizes a right-of-use
mengakui aset hak-guna dan liabilitas sewa asset and a lease liability at the lease
kecuali untuk sewa jangka pendek dan sewa commencement date except for short-term
yang aset pendasarnya bernilai rendah. lessees and lessees for low-value assets.
Aset hak-guna diukur pada biaya perolehan, The right-of-use assets are initially measured
dimana meliputi jumlah pengukuran awal at cost, which comprises the initial amount of
liabilitas sewa yang disesuaikan dengan the lease liability adjusted for any lease
pembayaran sewa yang dilakukan pada payment made at or before the
atau sebelum tanggal permulaan. commencement date.
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Page 574
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Aset hak-guna kemudian disusutkan The right-of-use assets are subsequently
menggunakan metode garis lurus dari depreciated using the straight-line method
tanggal permulaan hingga tanggal yang from the commencement date to the earlier
lebih awal antara akhir umur manfaat aset of the end of the useful life of the right-of-use
hak-guna atau akhir masa sewa. assets or the end of the lease term.
Liabilitas sewa diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa yang belum dibayar pada present value of the lease payments that are
tanggal permulaan, didiskontokan dengan not paid at the commencement date,
menggunakan suku bunga implisit dalam discounted using the interest rate implicit in
sewa atau jika suku bunga tersebut tidak the lease or, if that rate cannot be readily
dapat ditentukan, maka menggunakan suku determined, using incremental borrowing
bunga pinjaman inkremental. Pada rate. Generally, the Company uses its
umumnya, Perusahaan menggunakan suku incremental borrowing rate as the discount
bunga pinjaman inkremental sebagai tingkat rate.
bunga diskonto.
Pembayaran sewa yang termasuk dalam Lease payments included in the
pengukuran liabilitas sewa meliputi measurement of the lease liability comprise
pembayaran berikut ini: the following:
- pembayaran tetap, termasuk - fixed payments, including in-substance
pembayaran tetap secara substansi; fixed payments;
- pembayaran sewa variabel yang - variable lease payments that depend on
bergantung pada indeks atau suku an index or a rate, initially measured
bunga yang pada awalnya diukur using the index or rate as at the
dengan menggunakan indeks atau commencement date;
suku bunga pada tanggal permulaan;
- jumlah yang diperkirakan akan - amounts expected to be payable under
dibayarkan oleh penyewa dengan a residual value guarantee;
jaminan nilai residual;
- harga eksekusi opsi beli jika - the exercise price under a purchase
Perusahaan cukup pasti untuk option that the Company is reasonably
mengeksekusi opsi tersebut; dan certain to exercise; and
- penalti karena penghentian awal sewa - penalties for early termination of a lease
kecuali jika Perusahaan cukup pasti unless the Company is reasonably
untuk tidak menghentikan lebih awal. certain not to terminate early.
Pembayaran sewa dialokasikan menjadi Each lease payment is allocated between the
bagian pokok dan biaya keuangan. Biaya liability and finance cost. The finance cost is
keuangan dibebankan pada laba rugi charged to profit or loss over the lease period
selama periode sewa sehingga so as to produce a constant periodic rate of
menghasilkan tingkat suku bunga periodik interest on the remaining balance of the
yang konstan atas saldo liabilitas untuk liability for each period.
setiap periode.
Jika sewa mengalihkan kepemilikan aset If the lease transfers ownership of the
pendasar kepada Perusahaan pada akhir underlying asset to the Company by the end
masa sewa atau jika biaya perolehan aset of the lease term or if the cost of the right-of-
hak-guna merefleksikan Perusahaan akan use assets reflects that the Company will
mengeksekusi opsi beli, maka Perusahaan exercise a purchase option, the Company
menyusutkan aset hak-guna dari tanggal depreciates the right-of-use assets from the
permulaan hingga akhir umur manfaat aset commencement date to the end of the useful
pendasar. Jika tidak, maka Perusahaan life of the underlying asset. Otherwise, the
menyusutkan asset hak-guna dari tanggal Company depreciates the right-of-use assets
permulaan hingga tanggal yang lebih awal from the commencement date to the earlier
antara akhir umur manfaat aset hak-guna of the end of the useful life of the right-of-use
atau akhir masa sewa. assets or the end of the lease term.
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Page 575
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
r. Biaya Dibayar Dimuka r. Prepaid Expenses
Biaya dibayar dimuka diamortisasi selama Prepaid expenses are amortized over their
masa manfaat masing-masing biaya dengan beneficial periods using the straight-line
menggunakan metode garis lurus. method.
s. Penurunan Nilai Aset Non-Keuangan s. Impairment of Non-Financial Assets
Pada setiap akhir periode pelaporan The Company assesses at each reporting
tahunan, Perusahaan menelaah apakah period whether there is an indication that an
terdapat indikasi suatu aset mengalami asset may be impaired. If any such indication
penurunan nilai. Jika terdapat indikasi exists, or when impairment testing for an
tersebut atau pada saat uji periode asset is required, the Company makes an
penurunan nilai aset perlu dilakukan, maka estimate of the asset’s recoverable amount.
Perusahaan membuat estimasi jumlah
terpulihkan aset tersebut.
Jika nilai tercatat aset lebih besar daripada Where the carrying amount of an asset
nilai terpulihkannya, maka aset tersebut exceeds its recoverable amount, the asset is
dinyatakan mengalami penurunan nilai dan considered impaired and impairment losses
rugi penurunan nilai diakui dalam laba rugi. are recognized in profit or loss. In assessing
Dalam menghitung nilai pakai, estimasi arus the value in use, the estimated net future
kas masa depan bersih didiskontokan ke cash flows are discounted to their present
nilai kini dengan menggunakan tingkat value using a pre-tax discount rate that
diskonto sebelum pajak yang reflects current market assessments of the
mencerminkan penilaian pasar kini dari nilai time value of money and the risks specific to
waktu uang dan risiko spesifik atas aset. the asset.
Penelaahan dilakukan pada akhir setiap An assessment is made at each annual
tanggal pelaporan tahunan untuk reporting date as to whether there is any
mengetahui apakah terdapat indikasi bahwa indication that previously recognized
rugi penurunan nilai aset yang telah diakui impairment losses recognized for an asset
dalam periode sebelumnya mungkin tidak may not longer exist or may have decreased.
ada lagi atau mungkin telah menurun. Jika If such indication exists, the recoverable
indikasi dimaksud ditemukan, maka amount is estimated. A previously recognized
Perusahaan mengestimasi jumlah impairment loss for an asset is reversed only
terpulihkan aset tersebut. Kerugian if there has been a change in the
penurunan nilai yang telah diakui dalam assumptions used to determine the assets
periode sebelumnya akan dipulihkan hanya recover both amount since the last
jika terdapat perubahan asumsi-asumsi impairment loss was recognized. If that is the
yang digunakan untuk menentukan jumlah case, the carrying amount of the assets is
terpulihkan aset tersebut sejak rugi increase to its recovervable amount. The
penurunan nilai diakui. Dalam hal ini, jumlah reversal is limited so that the carrying amount
tercatat aset dinaikkan ke jumlah of the assets does not exceed its recoverable
terpulihkannya. Pembalikan aset tersebut amount nor exceed the carrying amount that
dibatasi sehingga jumlah tercatat aset tidak would have been determined, net of
melebihi jumlah terpulihkannya maupun depreciation, had no impairment loss been
nilai tercatat, neto setelah penyusutan, recognized for the asset in prior periods. After
seandainya tidak ada rugi penurunan nilai such a reversal, the depreciation charge on
yang telah diakui untuk aset tersebut pada the said asset is adjusted in future years to
tahun-tahun sebelumnya. Setelah allocate the asset’s revised carrying amount,
pemulihan tersebut, penyusutan aset less any residual value, on a systematic basis
tersebut disesuaikan di periode mendatang over its remaining useful life.
untuk mengalokasikan nilai tercatat aset
yang direvisi, dikurangi nilai sisanya,
dengan dasar yang sistematis selama sisa
umur manfaatnya.
- 39 -
Page 576
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
t. Liabilitas Segera t. Liability Immediately Payable
Liabilitas segera adalah liabilitas Obligation due immediately represents the
Perusahaan kepada pihak lain yang sifatnya Company’s liabilities to other parties that
wajib segera dibayarkan sesuai perjanjian immediately payable in accordance with
yang ditetapkan sebelumnya. terms of the relevant agreements.
Liabilitas segera disajikan sebesar biaya Obligations due immediately are stated at the
perolehan yang diamortisasi (Catatan 2e). amortized cost (Note 2e).
u. Simpanan dan Simpanan dari Bank Lain u. Deposits and Deposits from Other Banks
Simpanan dan simpanan dari bank lain Deposits and deposits from other banks are
diklasifikasikan sebagai liabilitas keuangan classified as financial liabilities measured at
yang diukur pada biaya perolehan amortized cost using the effective interest
diamortisasi menggunakan metode suku method (Note 2e).
bunga efektif (Catatan 2e).
Simpanan merupakan liabilitas kepada Deposits are liabilities to customers in the
nasabah dalam bentuk giro, tabungan dan form of demand deposits, savings deposits
deposito berjangka. and time deposits.
Giro merupakan simpanan nasabah yang Demand deposits represent deposits of
dapat digunakan sebagai alat pembayaran, customers which may be used as
yang penarikannya dapat dilakukan setiap instruments of payment, and which may be
saat melalui cek atau dengan cara withdrawn at any time by checks, or other
pemindahbukuan dengan bilyet giro atau orders of payment or transfers.
sarana perintah pembayaran lainnya.
Tabungan merupakan simpanan nasabah Savings deposits represent deposits of
yang penarikannya hanya dapat dilakukan customers which may only be withdrawn
sesuai dengan syarat tertentu yang when certain agreed conditions at the
disepakati pada saat pembukaan account opening are met. They may not be
rekening tabungan. Penarikan atas withdrawn by checks or other equivalent
tabungan tidak dapat dilakukan dengan instruments, except by using specific
menggunakan cek atau instrumen sejenis, withdrawal slip which can only be validated at
tetapi menggunakan formulir penarikan the depository bank and/or by using
tersendiri yang hanya berlaku di bank yang Automatic Teller Machine (ATM) card.
bersangkutan dan/atau menggunakan kartu
Anjungan Tunai Mandiri (ATM).
Deposito berjangka merupakan simpanan Time deposits represent deposits of
nasabah yang penarikannya hanya customers which may only be withdrawn after
dapat dilakukan pada saat jatuh tempo a certain period of time in accordance with
sesuai dengan jangka waktu yang the agreement with the customers at the time
disepakati dengan nasabah pada saat of placement, or the customers will be fined
penempatannya, dimana nasabah akan or penalized if withdrawals are made before
dikenakan penalti apabila melakukan maturity.
penarikan sebelum tanggal jatuh temponya.
Simpanan termasuk simpanan syariah dan Deposits include sharia deposits and
investasi tidak terikat yang terdiri dari giro unrestricted investments consisting of
dan tabungan Wadiah yang merupakan Wadiah giro and saving is entrusted funds in
titipan dana dalam bentuk giro dan tabungan the form of savings where income fund
dimana pemilik dana mendapatkan owners get a bonus.
pendapatan bonus.
- 40 -
Page 577
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Simpanan dari bank lain merupakan Deposits from other banks are liabilities to
liabilitas kepada bank lain dalam bentuk other banks in the form of demand deposits,
giro, call money kurang dari atau 90 hari, call money less than or 90 days and time
dan deposito berjangka dengan periode deposits with original maturities of each
jatuh tempo menurut perjanjian masing- agreement.
masing.
v. Obligasi Subordinasi v. Subordinated Bond
Obligasi subordinasi (‘obligasi’) Subordinated bond (bond) is classified as
diklasifikasikan sebagai liabilitas keuangan financial liability measured at amortized cost
lainnya yang diukur dengan biaya perolehan (Note 2e). Transaction cost in relation with
diamortisasi (Catatan 2e). Biaya transaksi the issuance of bond is deducted from the
yang timbul sehubungan dengan penerbitan related bond issued. Any difference between
obligasi dikurangkan dari hasil penerbitan bond issuance costs and nominal of bond is
obligasi bersangkutan. Selisih antara hasil recognized as discount and will be amortized
emisi bersih dengan nilai nominal obligasi based on bond’s period.
diakui sebagai diskonto yang diamortisasi
selama umur obligasi.
w. Dana Syirkah Temporer w. Temporary Syirkah Funds
Dana syirkah temporer terdiri dari giro dan Temporary syirkah funds consist of
tabungan Mudharabah, deposito berjangka Mudharabah demand and savings deposits,
Mudharabah dan Sertifikat Investasi Mudharabah time deposits and Mudharabah
Mudharabah antar Bank. Interbank Investment Certificates.
Giro dan tabungan Mudharabah dinyatakan Mudharabah demand and savings deposits
sebesar nilai investasi pemegang tabungan are stated at the amount deposited by the
di Perusahaan. depositors in the Company.
Deposito berjangka Mudharabah Mudharabah time deposits are stated at the
dinyatakan sebesar nilai nominal sesuai nominal amount set forth in the agreements
dengan perjanjian antara pemegang between the holders of time deposit and the
deposito berjangka dengan Perusahaan. Company.
Dana syirkah temporer tidak dapat Temporary syirkah fund cannot be classified
digolongkan sebagai liabilitas. Hal ini karena as liability. This was due to the Company
Perusahaan tidak berkewajiban untuk does not have any liability to return the initial
mengembalikan jumlah dana awal dari fund to the owners, except for losses incurred
pemilik dana, kecuali kerugian yang timbul due to the Company’s management
akibat kelalaian atau wanprestasi dari negligence or default of loss is incurred. On
manajemen Perusahaan. Di sisi lain, dana the other hand, temporary syirkah fund
syirkah temporer tidak dapat digolongkan cannot be classified as shareholders’ equity,
sebagai ekuitas karena mempunyai waktu because it has maturity period and the
jatuh tempo dan pemilik dana tidak depositors do not have the same rights as the
mempunyai hak kepemilikan yang sama shareholder’s such as voting rights and the
dengan pemegang saham seperti hak voting rights of realised profit from current assets
dan hak atas realisasi keuntungan yang and other non-investment accounts.
berasal dari aset lancar dan aset non-
investasi (current and other non-investment
accounts).
Pemilik dana syirkah temporer memperoleh The owners of temporary syirkah funds earn
bagian atas keuntungan sesuai profit in accordance with the agreement and
kesepakatan dan menerima kerugian receive loss based on the amount of funds
berdasarkan jumlah dana dari masing- from each party. The return of temporary
masing pihak. Pembagian hasil dana syirkah funds are based on revenue sharing
syirkah temporer berdasarkan konsep bagi concept.
hasil.
- 41 -
Page 578
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
x. Biaya Emisi Saham x. Share Issuance Costs
Biaya emisi saham dikurangkan dari bagian Share issuance costs are deducted from the
tambahan modal disetor yang timbul dari additional paid-in capital resulting from the
penerbitan saham dan tidak diamortisasi. issuance of shares and are not amortized.
y. Pengakuan Pendapatan Bunga, Beban y. Recognition of Interest Revenues, Interest
Bunga, Pendapatan dan Beban Bagi Expense, Sharia Revenues and Expenses
Hasil Syariah Sharing Distribution
Pendapatan dan Beban Bunga Interest Revenues and Expenses
Pendapatan dan beban bunga untuk semua Interest income and expense for all financial
instrumen keuangan diakui di dalam laba instruments are recognized in profit or loss on
rugi secara akrual dengan menggunakan accrual basis using the effective interest rate
metode suku bunga efektif. method.
Pendapatan dan Beban Syariah Sharia Income and Expenses
Pendapatan syariah terdiri dari keuntungan Sharia revenue consists of income from
murabahah, pendapatan ijarah muntahiyah murabahah, income from muntahiyah
bittamlik (sewa), dan bagi hasil pembiayaan bittamlik ijarah (lease), and profit sharing of
mudharabah dan musyarakah. mudharabah and musyarakah financing.
Keuntungan murabahah dan pendapatan Income from murabahah and revenue from
ijarah muntahiyah bittamlik diakui selama ijarah muntahiyah bittamlik are recognized
periode akad berdasarkan konsep akrual. over the contract period on an accrual basis.
Pendapatan bagi hasil pembiayaan Revenues from the profit sharing of
mudharabah diakui pada saat diterima atau mudharabah financing are recognized when
dalam periode terjadinya hak bagi hasil received or within the period of entitlement
sesuai porsi bagi hasil (nisbah) yang based on profit sharing agreement.
disepakati.
Beban berdasarkan prinsip syariah terdiri Expenses based on sharia consists of profit
dari beban bagi hasil mudharabah, beban sharing expense of mudharabah, wadiah
bonus wadiah dan beban bagi hasil bonus expense and profit sharing expense of
Sertifikat Investasi Mudharabah Antar Bank Certificate of Sharia Interbank Mudharabah
Syariah. Investment.
z. Pengakuan Pendapatan dan Beban z. Recognition of Revenues and Expenses
Provisi dan Komisi on Commissions and Fees
Provisi dan Komisi Terkait Instrumen Fees and Commissions Related to Financial
Keuangan Instruments
Pendapatan dan beban provisi dan komisi Commission income and expense and fees
yang terkait dengan perolehan instrumen associated with the acquisition of financial
keuangan yang terkait jangka waktu tertentu instruments with maturity term and that the
yang jumlahnya signifikan, dicatat sebagai amount is significant, are recorded as part of
bagian dari nilai wajar aset atau liabilitas the fair value of financial assets or financial
keuangan dan diamortisasi sesuai dengan liabilities and amortized over the time period
jangka waktunya dengan menggunakan using the effective interest rate.
suku bunga efektif.
- 42 -
Page 579
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Provisi dan Komisi Lainnya Other Fees and Commission
Provisi dan komisi lainnya yang tidak terkait Other Fees and commissions that are not
dengan kegiatan perolehan instrumen related to the acquisition or issuance of
keuangan dan jangka waktu tertentu yang financial instrument and have maturity terms
jumlahnya signifikan, dan diamortisasi in which amounts are significant, are deferred
menggunakan metode garis lurus sesuai and amortized using the straight-line method
dengan jangka waktu transaksi yang over the term of the relevant transaction.
bersangkutan. Sedangkan, pendapatan dan Meanwhile, provision fees income and
beban provisi dan komisi lainnya yang tidak expenses and commissions that are not
signifikan langsung diakui sebagai significant are recognized immediately as
pendapatan atau beban pada saat income or expenses on the transaction date.
terjadinya transaksi.
Pendapatan provisi dan komisi lainnya, Revenues from commission and other fees
meliputi pendapatan yang tidak terkait not related to credit, such as bancassurance
dengan kredit, seperti jasa bancassurance, services, and revenues associated with
pendapatan terkait dengan ekspor impor import and export bank guarantee, are
dan bank garansi, dan pendapatan yang recognized as revenue when the services are
diakui pada saat jasa diberikan. rendered.
aa. Pendapatan dan Beban Operasional aa. Other Operating Revenue and Expenses
Lainnya
Pendapatan operasional lainnya diakui Other operating revenues are recognized
pada saat terjadinya. when earned.
Beban operasional lainnya diakui pada saat Other operating expenses are recognized
terjadinya dengan menggunakan metode when incurred using the accrual method.
akrual.
bb. Pajak Penghasilan bb. Income Tax
Pajak Kini Current Tax
Pajak kini ditentukan berdasarkan laba kena Current tax expense is determined based on
pajak dalam tahun yang bersangkutan yang the taxable income for the year computed
dihitung berdasarkan tarif pajak yang using prevailing tax rates.
berlaku.
Pajak Tangguhan Deferred Tax
Pajak tangguhan diakui dengan Deferred tax is provided using the liability
menggunakan metode liabilitas untuk method on temporary differences between
perbedaan temporer kena pajak yang timbul the tax bases of assets and liabilities and
dari perbedaan antara dasar pengenaan their carrying amounts for financial reporting
pajak aset dan liabilitas dengan jumlah purposes at the reporting date.
tercatatnya pada tanggal pelaporan.
Aset pajak tangguhan diakui untuk seluruh Deferred tax assets are recognized for all
perbedaan temporer yang dapat deductible temporary differences and the
dikurangkan dan rugi fiskal yang dapat carry forward tax benefit of any unused tax
dikompensasikan. Aset pajak tangguhan losses. Deferred tax assets are recognized
diakui dan direview pada setiap tanggal and reviewed at each reporting date and
pelaporan atau diturunkan jumlah reduced to the extent that it is probable that
tercatatnya, sepanjang kemungkinan besar taxable profit will be available against which
laba kena pajak tersedia untuk pemanfaatan the deductible temporary differences and the
perbedaan temporer yang dapat carry forward benefit of unused tax losses
dikurangkan dan rugi fiskal yang dapat can be utilized.
dikompensasikan.
- 43 -
Page 580
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are
dengan menggunakan tarif pajak yang measured at the tax rates that are expected
diharapkan berlaku ketika aset dipulihkan to apply in the year when the asset is realized
atau liabilitas diselesaikan, berdasarkan tarif or the liability is settled, based on tax rates
pajak (atau peraturan pajak) yang telah (or tax laws) that have been enacted or
berlaku atau secara substantif telah berlaku substantively enacted at the reporting date.
pada tanggal pelaporan.
Aset pajak tangguhan dan liabilitas pajak Deferred tax assets and deferred tax liabilities
tangguhan saling hapus jika dan hanya jika, are offset if and only if, a legally enforceable
terdapat hak yang dipaksakan secara right exists to set off current tax assets
hukum untuk melakukan saling hapus aset against current tax liabilities and the deferred
pajak kini terhadap liabilitas pajak kini dan taxes relate to the same taxable entity and
pajak tangguhan tersebut terkait dengan the same taxation authority.
entitas kena pajak yang sama dan
dikenakan oleh otoritas perpajakan yang
sama.
cc. Laba per Saham cc. Earnings per Share
Laba per saham dasar dihitung berdasarkan Basic earning per share is computed by
laba bersih dibagi jumlah dividing net profit with the weighted average
rata-rata tertimbang saham yang beredar number of outstanding common shares
pada tahun yang bersangkutan. during the year.
dd. Imbalan Kerja dd. Employee Benefits
Liabilitas imbalan kerja jangka pendek Short-term employee benefits liability
Imbalan kerja jangka pendek diakui sebesar Short-term employee benefits are recognized
jumlah yang tak-terdiskonto sebagai at its undiscounted amount as a liability after
liabilitas pada laporan posisi keuangan deducting any amount already paid in the
setelah dikurangi dengan jumlah yang telah statement of financial position and as an
dibayar dan sebagai beban dalam laba rugi. expense in profit or loss.
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
Manfaat yang ditentukan Defined benefits
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
merupakan manfaat pasti yang dibentuk represents post-employment benefits,
dengan pendanaan khusus melalui program funded defined-benefit plans through a
dana pensiun dan didasarkan pada masa certain pension fund which amounts are
kerja dan jumlah penghasilan karyawan determined based on years of service and
pada saat pensiun yang dihitung salaries of the employees at the time of
menggunakan metode Projected Unit pension and calculated using the Projected
Credit. Pengukuran kembali liabilitas Unit Credit. Remeasurement is reflected
imbalan pasti langsung diakui dalam laporan immediately in the statement of financial
posisi keuangan dan penghasilan position with a charge or credit recognized in
komprehensif lain pada periode terjadinya other comprehensive income in the period in
dan tidak akan direklasifikasi ke laba rugi, which they occur and not to be reclassified to
namun menjadi bagian dari saldo laba. profit or loss but reflected immediately in
Biaya liabilitas imbalan pasti lainnya terkait retained earnings. All other costs related to
dengan program imbalan pasti diakui dalam the defined-benefit plan are recognized in
laba rugi. profit or loss.
- 44 -
Page 581
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Kontribusi yang ditentukan Defined contributions
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
merupakan imbalan pasca-kerja iuran pasti represents post-employment benefits,
melalui dana pensiun dan didasarkan pada defined-contribution plans through a certain
masa kerja dan jumlah penghasilan pension fund which amounts are determined
karyawan saat pensiun. Jumlah iuran yang based on years of service and salaries of the
terutang diakui sebagai liabilitas pada employees at the time of pension. The
laporan posisi keuangan konsolidasian contribution payable is accrued as a liability
setelah dikurangi dengan jumlah yang telah after deducting any amount already paid in
dibayar dan sebagai beban dalam laba rugi. the consolidated statement of financial
position and an expense in profit or loss.
Jika ada bagian iuran yang jatuh tempo If a part of the contributions falls due in a
dalam waktu lebih dari 12 bulan setelah period in excess of twelve (12) months from
tanggal laporan posisi keuangan, maka the statement of financial position date, the
iuran tersebut disajikan sebesar nilai kini contributions are presented at its discounted
liabilitas yang didiskontokan. amount.
Manfaat iuran pasti ditentukan berdasarkan Defined-contribution plans benefits are
akumulasi iuran dan hasil pengembangan determined based on accumulated
investasi. contributions and returns on investments.
ee. Segmen Operasi ee. Operating Segment
Informasi segmen disusun sesuai dengan Segment information is prepared using the
kebijakan akuntansi yang dianut dalam accounting policies adopted for preparing
penyusunan dan penyajian laporan and presenting the financial statements.
keuangan.
Segmen operasi diidentifikasi berdasarkan Operating segments are identified based on
laporan internal komponen-komponen the basis of internal reports about
Perusahaan yang secara berkala dilaporkan components of the Company that are
kepada pengambil keputusan operasional regularly reported to the chief operating
dalam rangka alokasi sumber daya ke decision maker in the context of allocation of
dalam segmen dan penilaian kinerja resources to the segments and assessment
Perusahaan. of its performance.
ff. Provisi ff. Provisions
Provisi diakui jika Perusahaan mempunyai a.
Provisions are recognized when the
kewajiban kini (hukum maupun konstruktif) Company has present obligation (legal or
sebagai akibat peristiwa masa lalu, yang constructive) as a result of a past event, it is
memungkinkan Perusahaan harus probable that the Company will be required to
menyelesaikan kewajiban tersebut dan settle the obligation, and a reliable estimate
estimasi yang andal mengenai jumlah can be made of the amount of the obligation.
kewajiban tersebut dapat dibuat.
Jumlah yang diakui sebagai provisi adalah The amount recognized as a provision is the
hasil estimasi terbaik pengeluaran yang best estimate of the consideration required to
diperlukan untuk menyelesaikan kewajiban settle the obligation at the reporting date,
kini pada tanggal pelaporan, dengan taking into account the risks and
mempertimbangkan risiko dan uncertainties surrounding the obligation.
ketidakpastian terkait kewajiban tersebut.
- 45 -
Page 582
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
gg. Peristiwa Setelah Periode Pelaporan gg. Events After the Reporting Period
Peristiwa-peristiwa yang terjadi setelah Past year-end events that provide additional
periode pelaporan yang menyediakan information regarding the Company's
tambahan informasi mengenai posisi financial position at the reporting date
keuangan Perusahaan pada tanggal (adjusting events), if any, are reflected in the
laporan posisi keuangan (peristiwa financial statements. Past year-end events
penyesuai), jika ada, telah tercermin dalam that are not adjusting (non-adjusting events),
laporan keuangan. Peristiwa-peristiwa yang when material, are disclosed in the financial
terjadi setelah periode pelaporan yang tidak statements.
memerlukan penyesuaian (peristiwa non-
penyesuai), apabila jumlahnya material,
telah diungkapkan dalam laporan
keuangan.
3. Penggunaan Estimasi, Pertimbangan dan 3. Management Use of Estimates, Judgments
Asumsi Manajemen and Assumptions
Dalam penerapan kebijakan akuntansi In applying of the Company’s accounting policies,
Perusahaan, seperti yang diungkapkan dalam which are described in Note 2 to the financial
Catatan 2 pada laporan keuangan, manajemen statements, management is required to make
harus membuat estimasi, pertimbangan, dan estimates, judgments, and assumptions about the
asumsi atas nilai tercatat aset dan liabilitas yang carrying amounts of assets and liabilities that are
tidak tersedia oleh sumber-sumber lain. Estimasi not readily available from other sources. The
dan asumsi tersebut, berdasarkan pengalaman estimates and assumptions are based on
historis dan faktor lain yang dipertimbangkan historical experience and other factors that are
relevan. considered to be relevant.
Manajemen berkeyakinan bahwa pengungkapan Management believes that the following represent
berikut telah mencakup ikhtisar estimasi, a summary of the significant estimates, judgments
pertimbangan dan asumsi signifikan yang dibuat and assumptions made that affected certain
oleh manajemen, yang berdampak terhadap reported amounts of and disclosures in the
jumlah-jumlah yang dilaporkan serta financial statements.
pengungkapan dalam laporan keuangan.
Pertimbangan Judgments
Pertimbangan-pertimbangan berikut dibuat oleh The following judgments are made by
manajemen dalam proses penerapan kebijakan management in the process of applying the
akuntansi Perusahaan yang memiliki dampak Company’s accounting policies that have the
yang paling signifikan terhadap jumlah-jumlah most significant effects on the amounts
yang diakui dalam laporan keuangan: recognized in the financial statements:
a. Mata Uang Fungsional a. Functional Currency
Mata uang fungsional Perusahaan adalah The functional currency of the Company is
mata uang lingkungan ekonomi utama the currency of the economic environment in
dimana masing-masing entitas beroperasi. which it operates. It is the currency, among
Mata uang tersebut adalah yang paling others, that mainly influences sales prices for
mempengaruhi harga jual barang dan jasa, goods and services, and the country whose
dan mata uang dari negara yang kekuatan competitive forces and regulations mainly
persaingan dan peraturannya sebagian determine the sales price of its good and
besar menentukan harga jual barang dan services, and the currency in which fund from
jasa entitas, dan merupakan mata uang financing acitivities are generated.
yang mana dana dari aktivitas pendanaan
dihasilkan.
- 46 -
Page 583
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Klasifikasi Aset Keuangan dan Liabilitas b. Classification of Financial Assets and
Keuangan Financial Liabilities
Perusahaan menentukan klasifikasi aset The Company determines the classifications
dan liabilitas tertentu sebagai aset of certain assets and liabilities as financial
keuangan dan liabilitas keuangan dengan assets and liabilities by judging if they meet
menilai apakah aset dan liabilitas tersebut the definition set forth in SFAS No. 71.
memenuhi definisi yang ditetapkan dalam Accordingly, the financial assets and
PSAK No. 71. Aset keuangan dan liabilitas liabilities are accounted for in accordance
keuangan dicatat sesuai dengan kebijakan with the Company’s accounting policies as
akuntansi Perusahaan sebagaimana disclosed in Note 2.
diungkapkan dalam Catatan 2.
c. Cadangan Kerugian Penurunan Nilai Aset c. Allowance for Impairment of Financial Assets
Keuangan
Pada setiap tanggal pelaporan, Perusahaan At each reporting date, the Company shall
menilai apakah risiko kredit atas instrumen assess whether the credit risk of a financial
keuangan telah meningkat secara signifikan instrument has increased significantly since
sejak pengakuan awal. Ketika melakukan initial recognition. When making the
penilaian tersebut, Perusahaan assessment, the Company shall use the
mempertimbangkan perubahan risiko gagal change in the risk of default over the
bayar yang terjadi selama umur instrumen expected life of the financial instrument. To
keuangan. Dalam melakukan penilaian make that assessment, the Company shall
tersebut, Perusahaan membandingkan compare the risk of default occurring on the
risiko gagal bayar yang terjadi pada tanggal financial instrument as at the reporting date
pelaporan dengan risiko gagal bayar pada with the risk of default occurring on the
saat pengakuan awal, serta financial instrument as at the date of initial
mempertimbangkan informasi, termasuk recognition and consider reasonable and
informasi masa lalu, kondisi saat ini, dan supportable information, including past data,
informasi bersifat perkiraan masa depan current condition and forward-looking
(forward-looking), yang wajar dan terdukung information that is available without undue
yang tersedia tanpa biaya atau upaya cost or effort.
berlebihan.
Perusahaan mengukur cadangan kerugian The Company shall measure the loss
sepanjang umurnya, jika risiko kredit atas allowance for a financial instrument at an
instrumen keuangan tersebut telah amount equal to the lifetime expected credit
meningkat secara signifikan sejak losses if the credit risk on that financial
pengakuan awal, jika tidak, maka instrument has increased significantly since
Perusahaan mengukur cadangan kerugian initial recognition, otherwise, the Company
untuk instrumen keuangan tersebut shall measure the loss allowance for that
sejumlah kerugian kredit ekspektasian financial instrument at an amount equal to 12-
12 bulan. Suatu evaluasi yang bertujuan month expected credit losses. Evaluation of
untuk mengidentifikasi jumlah cadangan financial assets to determine the allowance
kerugian ekspektasian yang harus dibentuk, for expected loss to be provided is performed
dilakukan secara berkala pada setiap periodically in each reporting period.
periode pelaporan. Oleh karena itu, saat Therefore, the timing and amount of
dan besaran jumlah cadangan kerugian allowance for expected credit loss recorded at
ekspektasian yang tercatat pada setiap each period might differ based on the
periode dapat berbeda tergantung pada judgments and estimates that are available or
pertimbangan atas informasi yang tersedia valid at each period.
atau berlaku pada saat itu.
- 47 -
Page 584
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Nilai tercatat aset keuangan Perusahaan The carrying values of the Company’s
(tidak termasuk akun Syariah) pada tanggal financial assets (excluding sharia accounts)
31 Desember 2023 dan 2022 adalah as of December 31, 2023 and 2022 are as
sebagai berikut: follows:
Nilai Tercatat/Carrying Value
2023 2022
Diukur pada nilai wajar melalui penghasilan Measured at fair value through other
komprehensif lain comprehensive income
Efek-efek - bersih Securities - net
Obligasi korporasi 5.673.001 6.077.080 Corporate bonds
Diukur pada biaya perolehan diamortisasi Measured at amortized cost
Kas 375.753 371.086 Cash
Giro pada Bank Indonesia 6.022.812 3.571.597 Demand deposits with Bank Indonesia
Giro pada Bank lain - bersih 2.655.935 1.719.763 Demand deposits with other banks - net
Penempatan pada bank lain dan Placement with other bank and
Bank Indonesia - bersih 6.263.377 3.210.621 Bank Indonesia - net
Efek-efek - bersih 1.193.346 1.639.855 Securities - net
Kredit yang diberikan - bersih 10.954.956 10.927.936 Loans - net
Tagihan akseptasi - bersih 78.304 77.389 Acceptances receivables - net
Pendapatan yang masih akan diterima 300.579 285.125 Accrued income
Aset lain-lain - bersih 141.121 126.260 Other assets - net
Jumlah 33.659.184 28.006.712 Total
d. Transaksi Sewa d. Lease Transactions
Perusahaan sebagai penyewa Company as lessee
Perusahaan telah menandatangani The Company has entered into various lease
sejumlah perjanjian sewa ruangan, agreements for commercial spaces, vehicles
kendaraan, dan sewa mesin ATM. and ATM machines. The Company has
Perusahaan menentukan bahwa sewa determined that commercial spaces, and
ruangan dan kendaraan memenuhi kriteria vehicles leases meet the criteria for
pengakuan dan pengukuran aset hak-guna recognition and measurement of right-of-use
dan liabilitas sewa sesuai dengan PSAK assets and lease liabilities in accordance with
No. 73, Sewa. SFAS No. 73, Leases.
Perusahaan sebagai pesewa Company as lessor
Perusahaan telah menandatangani The Company has entered into lease of
sejumlah perjanjian sewa ruangan. commercial space agreements. The
Perusahaan menentukan bahwa sewa Company has determined that those are
tersebut adalah sewa operasi karena operating leases since the Company bears
Perusahaan menanggung secara signifikan substantially all the significant risks and
seluruh risiko dan manfaat dari kepemilikan rewards of ownership of the related assets.
aset-aset tersebut.
e. Pajak Penghasilan e. Income Taxes
Pertimbangan yang signifikan dibutuhkan Significant judgment is required in
untuk menentukan jumlah pajak determining the provision for income taxes.
penghasilan. Terdapat sejumlah transaksi There are many transactions and
dan perhitungan yang menimbulkan calculations for which the ultimate tax
ketidakpastian penentuan jumlah pajak determination is uncertain due to different
penghasilan karena interpretasi atas interpretation of tax regulations.
peraturan pajak yang berbeda.
- 48 -
Page 585
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Jika hasil pemeriksaan pajak berbeda If the final tax outcome of these matters is
dengan jumlah yang sebelumnya telah different from the amounts that were initially
dibukukan, maka selisih tersebut akan recorded, such differences will have an
berdampak terhadap aset dan liabilitas impact on the current and deferred income
pajak kini dan tangguhan dalam periode tax assets and liabilities in the period in which
dimana hasil pemeriksaan tersebut terjadi. the results of the examination occurred.
Estimasi dan Asumsi Estimates and Assumptions
Asumsi utama mengenai masa depan dan The key assumptions concerning the future and
sumber utama lain dalam mengestimasi other key sources of estimation uncertainty at the
ketidakpastian pada tanggal pelaporan yang reporting date that have a significant risk of
mempunyai risiko signifikan yang dapat causing a material adjustment to the carrying
menyebabkan penyesuaian material terhadap amounts of assets and liabilities within the
nilai tercatat aset dan liabilitas dalam periode next financial period are disclosed below.
berikutnya diungkapkan di bawah ini. The Company based its assumptions and
Perusahaan mendasarkan asumsi dan estimasi estimates on parameters available when
pada parameter yang tersedia saat laporan the financial statements were prepared. Existing
keuangan disusun. Kondisi yang ada dan asumsi circumstances and assumptions about future
mengenai perkembangan masa depan dapat developments may change due to market
berubah karena perubahan situasi pasar yang changes on circumstances arising beyond the
berada di luar kendali Perusahaan. Perubahan control of the Company. Such changes are
tersebut tercermin dalam asumsi ketika keadaan reflected in the assumptions when they occur:
tersebut terjadi:
a. Nilai Wajar Aset Keuangan dan Liabilitas a. Fair Value of Financial Assets and Financial
Keuangan Liabilities
Standar Akuntansi Keuangan di Indonesia Indonesian Financial Accounting Standards
mensyaratkan pengukuran aset keuangan require measurement of certain financial
dan liabilitas keuangan tertentu pada nilai assets and liabilities at fair values, and
wajarnya, dan penyajian ini mengharuskan the disclosure requires the use of estimates.
penggunaan estimasi. Komponen Significant component of fair value
pengukuran nilai wajar yang signifikan measurement is determined based on
ditentukan berdasarkan bukti-bukti obyektif verifiable objective evidence (i.e. foreign
yang dapat diverifikasi (seperti nilai tukar, exchange rate, interest rate), while timing
suku bunga), sedangkan saat dan besaran and amount of changes in fair value might
perubahan nilai wajar dapat menjadi differ due to different valuation method used.
berbeda karena penggunaan metode
penilaian yang berbeda.
Nilai wajar aset keuangan dan liabilitas The fair value of financial assets and
diungkapkan pada Catatan 38. liabilities are set out in Note 38.
b. Revaluasi Aset Tetap b. Revaluation of Property and Equipment
Perusahaan mengukur tanah dan bangunan The Company measures land and buildings
pada nilai revaluasi, dan perubahan nilai at revalued amounts, and changes in fair
wajar aset tersebut diakui dalam value of these assets are recognized in other
penghasilan komprehensif lain. Perusahaan comprehensive income. The Company
memakai jasa penilai independen untuk engaged an independent appraiser to
menentukan nilai wajar aset. Teknik determine the fair value of these assets.
penilaian yang digunakan untuk Valuation techniques used to determine the
menentukan nilai wajar tanah dan bangunan fair value of land and buildings are disclosed
diungkapkan dalam Catatan 13. in Note 13.
- 49 -
Page 586
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
c. Estimasi Masa Manfaat Aset Tetap c. Estimated Useful Lives of Property and
Equipment
Masa manfaat dari masing-masing aset The useful life of each of the item of the
tetap Perusahaan diestimasi berdasarkan Company’s property and equipment is
jangka waktu aset tersebut diharapkan estimated based on the period over which the
tersedia untuk digunakan. Estimasi tersebut asset is expected to be available for use.
didasarkan pada penilaian kolektif Such estimation is based on a collective
berdasarkan bidang usaha yang sama, assessment of similar business, internal
evaluasi teknis internal dan pengalaman technical evaluation and experience with
dengan aset sejenis. Estimasi masa similar assets. The estimated useful life of
manfaat setiap aset ditelaah secara berkala each asset is reviewed periodically and
dan diperbarui jika estimasi berbeda dari updated if expectations differ from previous
perkiraan sebelumnya yang disebabkan estimates due to physical wear and tear,
karena pemakaian, usang secara teknis technical or commercial obsolescence, and
atau komersial serta keterbatasan hak atau legal or other limits on the use of the asset. It
pembatasan lainnya terhadap penggunaan is possible, however, that future results of
aset. Dengan demikian, hasil operasi di operations could be materially affected by
masa mendatang mungkin dapat changes in the amounts and timing of
terpengaruh secara signifikan oleh recorded expenses brought about by
perubahan dalam jumlah dan waktu changes in the factors mentioned above.
terjadinya biaya karena perubahan yang A reduction in the estimated useful life of any
disebabkan oleh faktor-faktor yang item of property and equipment would
disebutkan di atas. Penurunan estimasi increase the recorded depreciation and
masa manfaat ekonomis setiap aset tetap decrease the carrying values of these assets.
akan menyebabkan kenaikan beban
penyusutan dan penurunan nilai tercatat
aset tetap.
Nilai tercatat aset tetap diungkapkan pada The carrying values of these assets are
Catatan 12. disclosed in Note 12.
d. Imbalan Kerja Jangka Panjang d. Long-term Employee Benefits
Penentuan liabilitas imbalan kerja jangka The determination of the long-term employee
panjang dipengaruhi oleh asumsi-asumsi benefits is dependent on the selection of
tertentu yang digunakan oleh aktuaris dalam certain assumptions used by actuary in
menghitung jumlah tersebut. Asumsi- calculating such amounts. Those
asumsi tersebut dijelaskan dalam catatan assumptions are described in Note 39 and
39, dan mencakup, antara lain, tingkat include, among others, rate of salary
kenaikan gaji, dan tingkat diskonto yang increase, and discount rate which is
ditentukan dengan mengacu pada imbal determined after giving consideration to
atas bunga obligasi pemerintah dalam mata interest rates of high-quality corporates
uang yang sama dengan mata uang bonds that are denominated in the currency
pembayaran imbalan dan memiliki jangka in which the benefits are to be paid and have
waktu yang mendekati estimasi jangka terms of maturity approximating the terms of
waktu liabilitas imbalan kerja jangka panjang related employee benefits liability. Actual
tersebut. Hasil aktual yang berbeda dengan results that differ from the company's
asumsi Perusahaan dibukukan pada assumptions are charged to other
penghasilan komprehensif lain dan dengan comprehensive income and therefore,
demikian, berdampak pada jumlah generally affect the recognized other
penghasilan komprehensif lain yang diakui comprehensive income and recorded
dan liabilitas yang tercatat pada periode- obligation in such future period. While it is
periode mendatang. Manajemen believed that the company's assumptions are
berkeyakinan bahwa asumsi-asumsi yang reasonable and appropriate, significant
digunakan adalah tepat dan wajar, namun differences in actual experience or significant
demikian perbedaan signifikan pada hasil changes in assumptions may materially
aktual, atau perubahan signifikan dalam affect the amount of long-term employee
asumsi-asumsi tersebut dapat berdampak benefits liability.
signifikan pada jumlah liabilitas imbalan
kerja.
- 50 -
Page 587
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Nilai tercatat liabilitas imbalan kerja jangka The carrying value of long-term employee
panjang diungkapkan pada Catatan 39. benefit liability is disclosed in Note 39.
e. Penurunan Nilai Aset Non-Keuangan e. Impairment of Non-financial Assets
Penelaahan atas penurunan nilai dilakukan Impairment review is performed when certain
apabila terdapat indikasi penurunan nilai impairment indicators are present.
aset tertentu. Penentuan nilai wajar aset Determining the fair value of assets requires
membutuhkan estimasi arus kas yang the estimation of cash flows expected to be
diharapkan akan dihasilkan dari pemakaian generated from the continued use and
berkelanjutan dan pelepasan akhir atas aset ultimate disposition of such assets. Any
tersebut. Perubahan signifikan dalam significant changes in the assumptions used
asumsi-asumsi yang digunakan untuk in determining the fair value may materially
menentukan nilai wajar dapat berdampak affect the assessment of recoverable values
signifikan pada nilai terpulihkan dan jumlah and any resulting impairment loss could have
kerugian penurunan nilai yang terjadi a material impact the Company’s results of
mungkin berdampak material pada hasil operations.
operasi Perusahaan.
Nilai tercatat aset non-keuangan berupa The carrying value of these assets in the form
aset tetap dan aset lain-lain (agunan yang of property and equipment, and other assets
diambil alih) diungkapkan pada Catatan 12 (foreclosed properties) are set out in Notes
dan 15. 12 and 15.
f. Aset Pajak Tangguhan f. Deferred Tax Assets
Aset pajak tangguhan diakui untuk semua Deferred tax assets are recognized for all
perbedaan temporer antara nilai tercatat temporary differences between the financial
aset dan liabilitas pada laporan keuangan statements’ carrying amounts of existing
dengan dasar pengenaan pajak jika besar assets and liabilities and their respective tax
kemungkinan bahwa jumlah laba fiskal akan bases to the extent that it is probable that
memadai untuk pemanfaatan perbedaan taxable profit will be available against which
temporer yang diakui. Estimasi manajemen the temporary differences can be utilized.
yang signifikan diperlukan untuk Significant management estimates are
menentukan jumlah aset pajak tangguhan required to determine the amount of deferred
yang diakui berdasarkan kemungkinan tax assets that can be recognized, based
waktu terealisasinya dan jumlah laba kena upon the likely timing and the level of future
pajak pada masa mendatang serta strategi taxable profits together with future tax
perencanaan pajak masa depan. planning strategies.
Aset pajak tangguhan diungkapkan pada Deferred tax assets are disclosed in
Catatan 33. Note 33.
4. Giro pada Bank Indonesia 4. Demand Deposits with Bank Indonesia
2023 2022
Rupiah 5.602.464 3.930.989 Rupiah
Mata uang asing (Catatan 37) 420.348 201.479 Foreign currency (Note 37)
Jumlah 6.022.812 4.132.468 Total
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022, this account
termasuk dalam giro pada Bank Indonesia includes current accounts based on the principles
adalah giro yang didasarkan pada prinsip of Islamic banking amounting to Rpnil and
perbankan syariah masing-masing sebesar Rp560,871, respectively.
Rpnihil dan Rp560.871.
- 51 -
Page 588
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Rasio GWM Perusahaan untuk mata uang The Company’s minimum liquidity reserve ratio
Rupiah dan mata uang asing pada tanggal 31 for foreign and Rupiah currencies as of December
Desember 2023 dan 2022 (tidak diaudit) adalah: 31, 2023 and 2022 (unaudited) are as follows:
2023 2022
GWM yang telah dibentuk Company's liquidity reserve
Rupiah Rupiah
GWM Primer Primary reserve
Konvensional dan syariah 15,22 10,01 Conventional and sharia
Konvensional 10,08 9,97 Conventional
Syariah 37,83 10,25 Sharia
GWM Sekunder/PLM Secondary reserve
Konvensional 23,03 27,71 Conventional
Mata uang asing Foreign currency
Konvensional dan syariah 4,09 3,95 Conventional and sharia
Konvensional 4,10 4,02 Conventional
Syariah 3,21 1,46 Sharia
5. Giro pada Bank Lain 5. Demand Deposits with Other Banks
2023 2022
Pihak ketiga Third Parties
Rupiah Rupiah
PT Bank Central Asia Tbk 87.364 164.682 PT Bank Central Asia Tbk
PT Maybank Indonesia Tbk 10.777 60.763 PT Maybank Indonesia Tbk
Standard Chartered Bank, Standard Chartered Bank,
Indonesia 6.620 10.533 Indonesia
Lain-lain (di bawah Rp 1.000) 64 65 Others (under Rp 1,000)
Jumlah 104.825 236.043 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
PT Bank Mandiri (Persero) Tbk, PT Bank Mandiri (Persero) Tbk,
Indonesia 1.241.544 137.338 Indonesia
PT Bank Central Asia Tbk, Indonesia 417.552 131.637 PT Bank Central Asia Tbk, Indonesia
Standard Chartered Bank, Standard Chartered Bank,
Amerika Serikat 363.851 558.246 United States of America
Bank of Amerika, Merrill Lynch, Bank of Amerika, Merrill Lynch,
Amerika Serikat 219.263 238.582 United States of America
PT Bank CIMB Niaga Tbk, Indonesia 71.674 63.961 PT Bank CIMB Niaga Tbk, Indonesia
Deutsche Bank Trust Company Deutsche Bank Trust Company
Americas, Amerika Serikat 66.981 199.967 Americas, United States of America
Citibank 35.254 - Citibank
Bank of China, Indonesia 31.758 25.672 Bank of China, Indonesia
United Overseas Bank, Singapura 26.131 39.543 United Overseas Bank, Singapore
Oversea Chinese Banking Oversea Chinese Banking
Corporation, Singapura 18.655 28.442 Corporation, Singapore
Deutsche Bank AG, Jerman 12.303 22.293 Deutsche Bank AG, Germany
Sumitomo Mitsui Banking Sumitomo Mitsui Banking
Corporation, Jepang 8.069 12.723 Corporation, Japan
Banco De Sabadell SA, Spanyol 7.101 2.448 Banco De Sabadell SA, Spain
Aktif Bank, Turki 6.779 6.620 Aktif Bank, Turkey
Standard Chartered Bank, Inggris 5.454 1.636 Standard Chartered Bank, Great Britain
Kookmin Bank, Korea Selatan 5.290 1.907 Kookmin Bank, South Korea
Bank of Communication, China 4.133 571 Bank of Communication, China
PT Bank ICBC Indonesia, Indonesia 3.670 7.397 PT Bank ICBC Indonesia, Indonesia
Bank of China, China 2.945 2.714 Bank of China, China
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk, Singapura 1.482 1.500 (Persero) Tbk, Singapore
DBS Bank, Hong Kong 1.009 513 DBS Bank, Hong Kong
Lain-lain (di bawah Rp 1.000) 1.144 734 Others (under Rp 1,000)
Jumlah mata uang asing 2.552.042 1.484.444 Total foreign currencies
Jumlah 2.656.867 1.720.487 Total
Cadangan kerugian penurunan nilai (932) (724) Allowance for impairment losses
Jumlah - Bersih 2.655.935 1.719.763 Net
- 52 -
Page 589
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, all demand
kualitas giro pada bank lain dikelompokkan deposits with other banks are classified as
sebagai aset tetap Lancar dan tidak terdapat Current and there are no demand deposits with
saldo giro pada bank lain yang diblokir. other banks which are restricted.
2023 2022
Suku bunga rata-rata Average interest rate
Rupiah 1,00% 1,00% Rupiah
Mata uang asing 0,61% 0,26% Foreign currencies
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment losses
giro pada bank lain adalah sebagai berikut: on demand deposit with other banks are as
follows:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 724 - - 724 of the year
Pembentukan tahun berjalan 208 - - 208 Provision of current year
Saldo akhir tahun 932 - - 932 Balance at the end of the year
2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 3.516 - - 3.516 of the year
Pemulihan tahun berjalan (2.792) - - (2.792) Reversal during the year
Saldo akhir tahun 724 - - 724 Balance at the end of the year
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian untuk penurunan nilai yang dibentuk impairment losses as of December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022 2022 is adequate to cover possible losses that
adalah cukup untuk menutup kemungkinan may be incurred.
kerugian yang mungkin timbul.
6. Penempatan pada Bank Indonesia dan Bank 6. Placements with Bank Indonesia and Other
Lain Banks
2023
Suku Bunga Pihak
Rata-rata/ Ketiga/
Jangka Waktu/ Average Interest Third
Jenis Penempatan Term Rate Parties Type of Placement
%
Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Deposit facility 4 hari/days 5,25 1.650.000 Deposit facility
Mata uang asing (Catatan 37) Foreign currency (Note 37)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Term deposit 4 hari/days 5,34 4.467.117 Term deposits
Penempatan pada bank lain Placements with other banks
Call money 7 hari/days 5,65 146.272 Call money
Jumlah mata uang asing 4.613.389 Total foreign currency
Jumlah 6.263.389 Total
Cadangan kerugian penurunan nilai (12) Allowance for impaiment losses
Jumlah - Bersih 6.263.377 Net
- 53 -
Page 590
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2022
Suku Bunga Pihak
Rata-rata/ Ketiga/
Jangka Waktu/ Average Interest Third
Jenis Penempatan Term Rate Parties Type of Placement
%
Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Deposit facility 1-2 hari/days 4,75 2.150.000 Deposit facility
Penempatan pada bank lain Placements with other banks
Call money 14 hari/days 6,14 495.000 Call money
Sertifikat Investasi Mudharabah Certificate of sharia interbank
Antarbank 2 hari/days 5,00 95.000 mudharabah investment
Jumlah 2.740.000 Total
Mata uang asing (Catatan 37) Foreign currency (Note 37)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Term deposit 1-16 hari/days 4,35 1.915.083 Term deposits
Penempatan pada bank lain Placements with other banks
Call money 14 hari/days 4,90 147.891 Call money
Jumlah 2.062.974 Total
Jumlah 4.802.974 Total
Cadangan kerugian penurunan nilai (113) Allowance for impaiment losses
Jumlah - Bersih 4.802.861 Net
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, placements
penempatan pada bank lain dalam bentuk call with other banks are in the form of call money,
money, Sertifikat Investasi Mudharabah Cerificate of Sharia Interbank mudharabah
Antarbank (SIMA), dan penempatan pada Bank investment (SIMA), and placement with Bank
Indonesia dalam bentuk deposit facility dan term Indonesia are in the form of deposit facility and
deposit dikategorikan sebagai aset keuangan term deposits are classified as financial assets at
pada biaya perolehan diamortisasi. amortized cost.
Penempatan pada bank lain dalam mata uang Details of placements with other banks in Rupiah
Rupiah dan asing merupakan penempatan pada: and foreign exchange are as follows:
Nama Bank 2023 2022 Name of Bank
Rupiah Rupiah
Call money Call money
PT Bank Capital Indonesia Tbk - 395.000 PT Bank Capital Indonesia Tbk
PT Bank Victoria International Tbk - 50.000 PT Bank Victoria International Tbk
PT Bank Sahabat Sampoerna - 50.000 PT Bank Sahabat Sampoerna
Jumlah - 495.000 Total
Nama Bank 2023 2022 Name of Bank
US$ US$
Mata uang asing Foreign Exchange
Call money Call money
PT Bank CTBC Indonesia 9.500.000 - PT Bank CTBC Indonesia
PT Bank Mega Tbk - 7.000.000 PT Bank Mega Tbk
State Bank of India - 2.500.000 State Bank of India
Jumlah 9.500.000 9.500.000 Total
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, all
penempatan pada Bank Indonesia dan bank lain placements with Bank Indonesia and other banks
dikelompokkan sebagai Lancar dan tidak are classified as Current and there are no
terdapat penempatan yang dijaminkan maupun placements that are pledged as collateral or
yang diblokir. considered as blocked.
- 54 -
Page 591
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment losses
penempatan pada Bank Indonesia dan bank lain on placements with Bank Indonesia and other
adalah sebagai berikut: banks are as follows:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 113 - - 113 of the year
Pemulihan tahun berjalan (101) - - (101) Reversal for current year
Saldo akhir tahun 12 - - 12 Balance at the end of the year
2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun - - - - of the year
Pembentukan tahun berjalan 113 - - 113 Provision during the year
Saldo akhir tahun 113 - - 113 Balance at the end of the year
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian untuk penurunan nilai yang dibentuk impairment losses as of December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022 2022 is adequate to cover possible losses arising.
adalah cukup untuk menutup kemungkinan
kerugian yang timbul.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Company
Perusahaan tidak memiliki dana yang tidak dapat did not have undisbursed funds in troubled banks,
dicairkan pada bank bermasalah, bank beku frozen bank operations or under liquidation.
operasi atau dibawah likuidasi.
7. Efek-Efek 7. Securities
a. Jenis dan tujuan investasi efek-efek adalah a. The details of securities by type and purpose
sebagai berikut: of investments are as follows:
2023 2022
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Diukur pada nilai wajar melalui laba rugi At fair value through profit and loss
Unit reksadana 1.130.334 502.328 Mutual funds
Jumlah Rupiah-pihak berelasi 1.130.334 502.328 Total Rupiah-related parties
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Diukur pada biaya perolehan diamortisasi At amortized cost
Tagihan atas wesel ekspor 10.469 12.866 Export bills receivable
Jumlah mata uang asing-pihak berelasi 10.469 12.866 Total foreign currencies-related parties
Jumlah - pihak berelasi 1.140.803 515.194 Total - related parties
- 55 -
Page 592
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
Diukur pada nilai wajar melalui laba rugi At fair value through profit and loss
Unit reksadana 861.814 501.593 Mutual funds
Obligasi Pemerintah - 1.932.359 Government bonds
Jumlah diukur pada nilai wajar Total at fair value through profit
melalui laba rugi 861.814 2.433.952 and loss - trading
Diukur pada nilai wajar melalui At fair value through other
penghasilan komprehensif lain comprehensive income
Obligasi Pemerintah 7.040.628 6.602.693 Government bonds
Obligasi korporasi 5.913.385 5.823.214 Corporate bonds
Jumlah diukur pada nilai wajar melalui Total at fair value through other
penghasilan komprehensif lain 12.954.013 12.425.907 comprehensive income
Diukur pada biaya perolehan diamortisasi At amortized cost
Obligasi Pemerintah 2.363.861 2.270.192 Government bonds
Obligasi korporasi 10.212 469.399 Corporate bonds
Tagihan atas wesel ekspor 1.527 - Export bills receivable
Jumlah biaya perolehan di amortisasi 2.375.600 2.739.591 Total at amortized cost
Jumlah Rupiah-pihak ketiga 16.191.427 17.599.450 Total Rupiah-third parties
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Diukur pada nilai wajar melalui laba rugi At fair value through profit and loss
Obligasi Pemerintah 326.954 - Government Bond
Unit reksadana 15.441 - Mutual funds
Jumlah diukur pada nilai wajar Total at fair value through profit
melalui laba rugi 342.395 - and loss - trading
Diukur pada biaya perolehan diamortisasi At amortized cost
Obligasi korporasi 97.103 98.544 Corporate bonds
Tagihan atas wesel ekspor 27.151 13.237 Export bills receivable
Obligasi Pemerintah 15.527 64.869 Government Bond
Jumlah diukur pada biaya perolehan
diamortisasi 139.781 176.650 Total at amortized cost
Diukur pada nilai wajar melalui At fair value through other
penghasilan komprehensif lain comprehensive income
Obligasi korporasi 247.456 256.062 Corporate bond
Obligasi Pemerintah 70.209 99.905 Government Bonds
Jumlah diukur pada nilai wajar melalui Total at fair value through other
penghasilan komprehensif lain 317.665 355.967 comprehensive income
Jumlah-mata uang asing-pihak ketiga 799.841 532.617 Total-foreign currency-third parties
Jumlah-pihak ketiga 16.991.268 18.132.067 Total-third parties
Jumlah 18.132.071 18.647.261 Total
Cadangan kerugian penurunan nilai (269) (498) Allowance for impairment losses
Jumlah - bersih 18.131.802 18.646.763 Net
- 56 -
Page 593
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Efek-efek yang diukur pada biaya perolehan b. The details of securities measured at
diamortisasi pada 31 Desember 2023 dan amortized cost as of December 31, 2023 and
2022 berdasarkan jangka waktu dan jatuh 2022 based on contractual and remaining
tempo adalah sebagai berikut: maturity follows:
2023
Lebih dari Lebih dari
Sampai dengan 1-5 tahun/ 5 tahun/
1 tahun/ More than 1 year More than Jumlah/
1 year or less until 5 years 5 years Total
Berdasarkan jangka waktu Based on contractual maturity
Rupiah Rupiah
Obligasi Pemerintah 426.868 51.199 1.885.794 2.363.861 Government bonds
Obligasi korporasi - - 10.212 10.212 Corporate bonds
Tagihan atas wesel ekspor 1.527 - - 1.527 Export bills receivables
Jumlah - Rupiah 428.395 51.199 1.896.006 2.375.600 Total - Rupiah
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Obligasi korporasi - 7.500 89.603 97.103 Corporate bonds
Obligasi Pemerintah - - 15.527 15.527 Government bonds
Tagihan atas wesel ekspor 37.620 - - 37.620 Export bills receivables
Jumlah - mata uang asing 37.620 7.500 105.130 150.250 Total - foreign currencies
Jumlah 466.015 58.699 2.001.136 2.525.850 Total
Berdasarkan jatuh tempo Based on remaining maturity
Rupiah Rupiah
Obligasi Pemerintah 477.053 170.574 1.716.234 2.363.861 Government bonds
Obligasi korporasi - 10.212 - 10.212 Corporate bonds
Tagihan atas wesel ekspor 1.527 - - 1.527 Export bills receivables
Jumlah - Rupiah 478.580 180.786 1.716.234 2.375.600 Total - Rupiah
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Obligasi korporasi - 7.500 89.603 97.103 Corporate bonds
Obligasi Pemerintah - 15.527 - 15.527 Government bonds
Tagihan atas wesel ekspor 37.620 - - 37.620 Export bills receivables
Jumlah - mata uang asing 37.620 23.027 89.603 150.250 Total - foreign currencies
Jumlah 516.200 203.813 1.805.837 2.525.850 Total
2022
Lebih dari Lebih dari
Sampai dengan 1-5 tahun/ 5 tahun/
1 tahun/ More than 1 year More than Jumlah/
1 year or less until 5 years 5 years Total
Berdasarkan jangka waktu Based on contractual maturity
Rupiah Rupiah
Obligasi Pemerintah 337.167 52.090 1.880.935 2.270.192 Government bonds
Obligasi korporasi - 459.000 10.399 469.399 Corporate bonds
Jumlah - Rupiah 337.167 511.090 1.891.334 2.739.591 Total - Rupiah
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Obligasi korporasi - 7.432 91.112 98.544 Corporate bonds
Obligasi Pemerintah 34.336 14.956 15.577 64.869 Government bonds
Tagihan atas wesel ekspor 26.103 - - 26.103 Export bills receivables
Jumlah - mata uang asing 60.439 22.388 106.689 189.516 Total - foreign currencies
Jumlah 397.606 533.478 1.998.023 2.929.107 Total
Berdasarkan jatuh tempo Based on remaining maturity
Rupiah Rupiah
Obligasi Pemerintah 337.167 221.318 1.711.707 2.270.192 Government bonds
Obligasi korporasi 459.000 10.399 - 469.399 Corporate bonds
Jumlah - Rupiah 796.167 231.717 1.711.707 2.739.591 Total - Rupiah
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Obligasi korporasi - 7.432 91.112 98.544 Corporate bonds
Obligasi Pemerintah 49.292 15.577 - 64.869 Government bonds
Tagihan atas wesel ekspor 26.103 - - 26.103 Export bills receivables
Jumlah - mata uang asing 75.395 23.009 91.112 189.516 Total - foreign currencies
Jumlah 871.562 254.726 1.802.819 2.929.107 Total
- 57 -
Page 594
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
c. Suku bunga per tahun efek-efek adalah c. Interest rates per annum of securities are as
sebagai berikut: follows:
2023 2022
Rupiah Rupiah
Obligasi Pemerintah 5,50 - 10,25 5,50 - 10,00 Government bonds
Obligasi korporasi 5,50 - 11,25 4,10 - 11,00 Corporate bonds
Tagihan atas wesel ekspor 6,80 - 7,45 - Export bills receivable
Mata uang asing Foreign currency
Obligasi Pemerintah 1,75 - 7,75 0,13 - 7,75 Government bonds
Obligasi korporasi 2,30 - 8,13 2,30 - 8,13 Corporate bonds
Tagihan atas wesel ekspor 5,33 - 6,49 3,50 - 5,31 Export bills receivable
d. Nilai wajar dari obligasi (termasuk obligasi d. The fair values of amortized cost bonds
Pemerintah) yang diukur pada biaya (including Government Bonds) as of
perolehan diamortisasi pada tanggal December 31, 2023 and 2022 amounted to
31 Desember 2023 dan 2022 adalah Rp2,608,439 and Rp3,043,886, respectively.
masing-masing sebesar Rp2.608.439 dan
Rp3.043.886.
e. Berikut ini adalah ikhtisar peringkat dan e. The following is an overview of the ratings
pemeringkat efek-efek untuk tujuan and ratings of securities for investment
investasi yang dimiliki Bank pada tanggal 31 purposes owned by the Bank as of December
Desember 2023 dan 2022: 31, 2023 and 2022:
2023 2022
Penerbit/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/
Issuer Rating Rater Rating Rater
PT Adhi Karya (Persero) Tbk idA- Pefindo idA- Pefindo
PT Adira Dinamika Multi
Finance Tbk idAAA Pefindo idAAA Pefindo
PT Bank Pembangunan Daerah
Jawa Barat dan Banten Tbk idAA Pefindo idAA Pefindo
PT Barito Pacific Tbk idA+ Pefindo idA+ Pefindo
PT BFI Finance Indonesia Tbk AA-(idn) Fitch A+(idn) Fitch
PT Bussan Auto Finance idAAA Pefindo idAAA Pefindo
PT Chandra Asri Petrochemical Tbk idAA- Pefindo idAA- Pefindo
PT Hino Finance Indonesia AAA(idn) Fitch AAA (idn) Fitch
PT Hutama Karya (Persero) idAA- Pefindo idAA- Pefindo
PT Indomobil Finance Indonesia idA+ Pefindo idA+ Pefindo
PT Indonesia Asahan Aluminium BBB- Fitch BBB- Fitch
PT Indosat Tbk idAAA Pefindo idAAA Pefindo
PT Japfa Comfeed Tbk B+(idn) Fitch - -
PT Mandiri Tunas Finance idAAA Pefindo idAAA Pefindo
PT Maybank Indonesia Finance idAAA Pefindo idAAA Pefindo
PT Medco Energi Internasional Tbk idAA- Pefindo idAA- Pefindo
PT Merdeka Copper Gold Tbk idA+ Pefindo idA+ Pefindo
PT Pembangunan Perumahan (Persero) idA Pefindo idA Pefindo
PT Pertamina (Persero) BBB Fitch BBB Fitch
PT Perusahaan Listrik Negara (Persero) idAAA Pefindo idAAA Pefindo
PT Samator Indo Gas Tbk A(idn) Fitch A(idn) Fitch
PT Surya Artha Nusantara Finance AA(idn) Fitch AA(idn) Fitch
PT Telkom Indonesia (Persero) Tbk idAAA Pefindo idAAA Pefindo
PT Wahana Inti Selaras idA Pefindo idA Pefindo
PT Wahana Ottomitra Multiartha Tbk AA(idn) Fitch AA(idn) Fitch
PT Wijaya Karya (Persero) Tbk idCCC Pefindo idA Pefindo
MTN PT Pos Indonesia (Persero) idBBB+ Pefindo idBBB+ Pefindo
MTN PT Wahana Interfood Nusantara Tbk irBBB+ KRI - -
Sukuk Ijarah PT Samator Indo Gas Tbk A(idn) Fitch A(idn) Fitch
Sukuk Ijarah PT Indosat Tbk idAAA(sy) Pefindo idAAA(sy) Pefindo
Sukuk Ijarah PT Perusahaan
Listrik Negara idAAA(sy) Pefindo idAAA(sy) Pefindo
- 58 -
Page 595
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023 2022
Penerbit/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/
Issuer Rating Rater Rating Rater
Sukuk Mudharabah PT Wijaya
Karya Tbk idCCC Pefindo idA(sy) Pefindo
Sukuk Mudharabah PT Hutama
Karya (Persero) idAA- Pefindo - -
Sukuk Wakalah Bi Al-Istitsmar
CIMB Niaga Auto Finance AA+(idn) Fitch - -
Solar United Network Pte.Ltd Ir BBB+ KRI Ir BBB+ KRI
Goldman Sachs Group Inc A Fitch A Fitch
Medco Oak Tree Pte Ltd B+(idn) Fitch - -
PT Federal International Finance - - AAA (idn) Fitch
PT KB Finansia Multi Finance - - AAA (idn) Fitch
PT Tower Bersama Tbk - - AA+(idn) Fitch
f. Pada tanggal 31 Desember 2023 dan 2022, f. As at December 31, 2023 and 2022, all
seluruh efek-efek dikelompokkan sebagai securities are classified as Current, except
Lancar, kecuali untuk efek-efek dalam for Loss securities for 2023
kelompok Macet sebesar Rp472.760. amounting to Rp472,760.
g. Perubahan cadangan kerugian penurunan g. The changes in allowance for impairment
nilai efek-efek adalah sebagai berikut: losses on securities are as follows:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 498 - - 498 of the year
Pemulihan tahun berjalan (229) - - (229) Reversal of current year
Saldo akhir tahun 269 - - 269 Balance at the end of the year
2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 92 - - 92 of the year
Pembentukan tahun berjalan 406 - - 406 Provision during the year
Saldo akhir tahun 498 - - 498 Balance at the end of the year
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian untuk penurunan nilai yang impairment losses as of December 31, 2023
dibentuk pada tanggal 31 Desember 2023 and 2022 is adequate to cover possible
dan 2022 adalah cukup untuk menutup losses that may be incurred.
kemungkinan kerugian yang timbul.
h. Tidak terdapat penghapusan efek-efek h. There are no securities written-off for the
selama tahun-tahun yang berakhir 31 years ended December 31, 2023 and 2022.
Desember 2023 dan 2022.
- 59 -
Page 596
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
8. Kredit yang Diberikan dan Piutang/ 8. Loans and Receivables/Sharia Financing
Pembiayaan Syariah
a. Jenis Kredit dan Piutang/Pembiayaan a. By Types of Loans and Receivables/Sharia
Syariah Financing
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Pinjaman tetap 131.902 - - - 131.902 Fixed loans
Pinjaman karyawan 62.398 - - - 62.398 Loans to employees
Pinjaman konsumsi 8.973 - - - 8.973 Consumer loans
Piutang syariah - qardh - - - 67 67 Sharia receivables - qardh
Jumlah 203.273 - - 67 203.340 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pinjaman tetap 7.699 - - - 7.699 Fixed loans
Jumlah - pihak berelasi 210.972 - - 67 211.039 Total - related parties
Pihak ketiga Third parties
Rupiah Rupiah
Pinjaman cicilan 3.128.438 814.208 33.498 - 3.976.144 Installment loans
Piutang syariah - musyarakah - - - 3.936.659 3.936.659 Sharia receivables - musyarakah
Pinjaman tetap 3.646.949 9.991 - - 3.656.940 Fixed loans
Pinjaman konsumsi 2.677.752 321.630 76.248 - 3.075.630 Consumer loans
Piutang syariah - murabahah - - - 377.007 377.007 Sharia receivables - murabahah
Piutang syariah - mudharabah - - - 679.725 679.725 Sharia receivables - mudharabah
Pinjaman rekening koran 218.699 - - - 218.699 Overdraft
Piutang syariah - qardh - - - 171.840 171.840 Sharia receivables - qardh
Pinjaman karyawan 42.119 61 668 - 42.848 Loans to employees
Piutang syariah - ijarah - - - 2.188 2.188 Sharia receivables - ijarah
Jumlah 9.713.957 1.145.890 110.414 5.167.419 16.137.680 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pinjaman cicilan 450.868 - - - 450.868 Installment loans
Pinjaman tetap 71.859 - - - 71.859 Fixed loans
Jumlah 522.727 - - - 522.727 Total
Jumlah - pihak ketiga 10.236.684 1.145.890 110.414 5.167.419 16.660.407 Total - third parties
Jumlah 10.447.656 1.145.890 110.414 5.167.486 16.871.446 Total
Cadangan kerugian penurunan nilai (347.689) (347.364) (53.952) (937.241) (1.686.246) Allowance for impairment losses
Jumlah - bersih 10.099.967 798.526 56.462 4.230.245 15.185.200 Net
2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Pinjaman tetap 710.411 - - - 710.411 Fixed loans
Pinjaman karyawan 47.171 - - - 47.171 Loans to employees
Pinjaman konsumsi 9.859 - - - 9.859 Consumer loans
Pinjaman cicilan 696 - - - 696 Installment loans
Piutang syariah - qardh - - - 113 113 Sharia receivables - qardh
Jumlah 768.137 - - 113 768.250 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pinjaman tetap 7.784 - - - 7.784 Fixed loans
Jumlah - pihak berelasi 775.921 - - 113 776.034 Total - related parties
Pihak ketiga Third parties
Rupiah Rupiah
Pinjaman cicilan 3.263.520 1.091.694 405.480 - 4.760.694 Installment loans
Pinjaman konsumsi 3.115.802 149.708 69.305 - 3.334.815 Consumer loans
Pinjaman tetap 1.845.062 41.428 2.110 - 1.888.600 Fixed loans
Piutang syariah - musyarakah - - - 1.603.796 1.603.796 Sharia receivables - musyarakah
Piutang syariah - mudharabah - - - 1.197.441 1.197.441 Sharia receivables - mudharabah
Piutang syariah - murabahah - - - 281.690 281.690 Sharia receivables - murabahah
Pinjaman rekening koran 226.537 - 120 - 226.657 Overdraft
Piutang syariah - qardh - - - 197.309 197.309 Sharia receivables - qardh
Pinjaman karyawan 34.161 104 558 - 34.823 Loans to employees
Piutang syariah - ijarah - - - 1.184 1.184 Sharia receivables - ijarah
Jumlah 8.485.082 1.282.934 477.573 3.281.420 13.527.009 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pinjaman cicilan 380.598 - 777.314 - 1.157.912 Installment loans
Pinjaman tetap 40.009 - - - 40.009 Fixed loans
Jumlah 420.607 - 777.314 - 1.197.921 Total
Jumlah - pihak ketiga 8.905.689 1.282.934 1.254.887 3.281.420 14.724.930 Total - third parties
Jumlah 9.681.610 1.282.934 1.254.887 3.281.533 15.500.964 Total
Cadangan kerugian penurunan nilai (105.916) (326.469) (859.110) (829.630) (2.121.125) Allowance for impairment losses
Jumlah - bersih 9.575.694 956.465 395.777 2.451.903 13.379.839 Net
- 60 -
Page 597
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Sektor Ekonomi dan Kolektibilitas b. By Economic Sectors and Collectibility
Kredit dan piutang/pembiayaan syariah Loans and receivables/sharia financing
berdasarkan sektor ekonomi dan based on economic sectors and collectability
kolektibilitas adalah sebagai berikut: are as follow:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Jenis Stage 1 Stage 2 Stage 3 Sharia Total Types of Loans
Rupiah Rupiah
Perdagangan besar dan eceran, reparasi, Wholesale and retail trade, repair,
dan perawatan mobil, dan sepeda motor 3.341.911 507.005 21.314 4.574.150 8.444.380 and maintenance of cars, and motorcycles
Rumah tangga 2.721.848 313.574 72.304 354 3.108.080 Household
Aktivitas keuangan dan asuransi 1.092.753 - 166 657 1.093.576 Financial and insurance activities
Pertambangan dan penggalian 780.252 147 - - 780.399 Mining and excavation
Informasi dan komunikasi 436.429 267.462 2.354 179 706.424 Information and communication
Real estate 508.732 279 - 112.610 621.621 Real estate
Pertanian, kehutanan dan perikanan 328.557 12.672 3.049 242.310 586.588 Agriculture, hunting and forestry
Industri pengolahan 251.053 15.139 3.961 16.217 286.370 Processing industries
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 4.339 285 0 149.155 153.779 and social activities
Konstruksi 103.329 1.967 737 5.279 111.312 Construction
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 81.915 7.582 4.169 11.019 104.685 beverage
Pengangkutan dan pergudangan 83.103 17.416 389 2.116 103.024 Transport and warehousing
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 67.088 1.006 636 19.605 88.335 and other business support
Bukan lapangan usaha lainnya 44.850 306 42 25.576 70.774 Not other business fields
Aktivitas profesional, ilmiah, dan teknis 35.485 - 57 769 36.311 Professional, scientific and technical activity
Aktivitas jasa lainnya 14.755 819 1.200 3.376 20.150 Other service activities
Jasa pendidikan 12.906 - 36 1.936 14.878 Education services
Kesenian, hiburan dan rekreasi 2.314 25 - 2.105 4.444 Arts, entertainment and recreation
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 3.041 - - 59 3.100 hot and cold air
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 2.570 206 - 14 2.790 and remediation activities
Jumlah 9.917.230 1.145.890 110.414 5.167.486 16.341.020 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Industri pengolahan 291.657 - - - 291.657 Processing industries
Pertambangan dan penggalian 231.070 - - - 231.070 Mining and excavation
Rumah tangga 7.699 - - - 7.699 Household
Jumlah 530.426 - - - 530.426 Subtotal
Jumlah 10.447.656 1.145.890 110.414 5.167.486 16.871.446 Total
Cadangan kerugian penurunan nilai (347.689) (347.364) (53.952) (937.241) (1.686.246) Allowance for impairment losses
Jumlah - bersih 10.099.967 798.526 56.462 4.230.245 15.185.200 Net
2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Jenis Stage 1 Stage 2 Stage 3 Sharia Total Types of Loans
Rupiah Rupiah
Perdagangan besar dan eceran, reparasi, Wholesale and retail trade, repair,
dan perawatan mobil, dan sepeda motor 1.904.310 553.685 186.912 2.658.359 5.303.266 and maintenance of cars, and motorcycles
Rumah tangga 2.993.098 147.788 69.908 583 3.211.377 Household
Aktivitas keuangan dan asuransi 1.769.629 - - 1.813 1.771.442 Financial and insurance activities
Informasi dan komunikasi 445.439 517.630 2.110 368 965.547 Information and communication
Pertanian, kehutanan dan perikanan 534.149 17.181 1.988 233.653 786.971 Agriculture, hunting and forestry
Pertambangan dan penggalian 677.725 - - 8.489 686.214 Mining and excavation
Industri pengolahan 351.917 7.395 2.611 31.563 393.486 Processing industries
Real estate 6.121 - 175.000 123.696 304.817 Real estate
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 7.516 257 - 150.000 157.773 and social activities
Konstruksi 150.861 177 376 4.675 156.089 Construction
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 101.840 8.338 37.537 5.060 152.775 beverage
Pengangkutan dan pergudangan 95.776 29.067 753 15.802 141.398 Transport and warehousing
Bukan lapangan usaha lainnya 46.849 41 67 33.402 80.359 Not other business fields
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 57.646 - - 12.738 70.384 and other business support
Aktivitas profesional, ilmiah, dan teknis 62.191 - 76 363 62.630 Professional, scientific and technical activity
Aktivitas jasa lainnya 25.005 1.231 235 419 26.890 Other service activities
Jasa Pendidikan 13.072 51 - 5 13.128 Education services
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 3.497 - - 33 3.530 and remediation activities
- 61 -
Page 598
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Jenis Stage 1 Stage 2 Stage 3 Sharia Total Types of Loans
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 3.335 - - 118 3.453 hot and cold air
Aktivitas rumah tangga sebagai Household activities as employers;
pemberi kerja; aktivitas yang menghasilkan activities that produce goods and services
barang dan jasa oleh rumah tangga yang by households that are used to meet their
digunakan untuk memenuhi kebutuhan sendiri 2.229 - - - 2.229 own needs
Kesenian, hiburan dan rekreasi 1.014 93 - 394 1.501 Arts, entertainment and recreation
Jumlah 9.253.219 1.282.934 477.573 3.281.533 14.295.259 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya - - 777.314 - 777.314 and other business support
Pertambangan dan penggalian 305.874 305.874 Mining and excavation
Industri pengolahan 74.724 - - - 74.724 Processing industries
Perdagangan besar dan eceran, reparasi, Wholesale and retail trade, repair,
dan perawatan mobil, dan sepeda motor 31.130 - - - 31.130 and maintenance of cars, and motorcycles
Informasi dan komunikasi 8.879 - - - 8.879 Information and communication
Rumah tangga 7.784 - - - 7.784 Household
Jumlah 428.391 - 777.314 - 1.205.705 Subtotal
Jumlah 9.681.610 1.282.934 1.254.887 3.281.533 15.500.964 Total
Cadangan kerugian penurunan nilai (105.916) (326.469) (859.110) (829.630) (2.121.125) Allowance for impairment losses
Jumlah - bersih 9.575.694 956.465 395.777 2.451.903 13.379.839 Net
Kredit dan piutang/pembiayaan syariah Loans and receivables/sharia financing
berdasarkan kolektibilitas: based on collectibility:
2023
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Aktivitas keuangan dan asuransi 114.889 - - - - 114.889 Financial and insurance activities
Rumah tangga 62.920 - - - - 62.920 Household
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 17.013 - - - - 17.013 and maintenance of cars, and motorcycles
Bukan lapangan usaha lainnya 8.518 - - - - 8.518 Not other business fields
Jumlah 203.340 - - - - 203.340 Subtotal
Mata uang asing (Catatan 37) Foreign currency (Note 37)
Rumah tangga 7.699 - - - - 7.699 Household
Jumlah - pihak berelasi 211.039 - - - - 211.039 Total - related parties
Pihak ketiga Third Parties
Rupiah Rupiah
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 7.612.726 792.573 3.031 3.834 15.203 8.427.367 and maintenance of cars, and motorcycles
Rumah tangga 2.039.953 932.892 46.881 14.242 11.192 3.045.160 Household
Aktivitas keuangan dan asuransi 978.521 - - - 166 978.687 Financial and insurance activities
Pertambangan dan penggalian 780.252 147 - - - 780.399 Mining and excavation
Informasi dan komunikasi 704.069 - - - 2.355 706.424 Information and communication
Real estate 621.342 279 - - - 621.621 Real estate
Pertanian, kehutanan dan perikanan 577.029 6.497 43 913 2.106 586.588 Agriculture, hunting and forestry
Industri pengolahan 271.134 11.275 435 437 3.089 286.370 Processing industries
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 5.706 100 4 - 147.969 153.779 and social activities
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 89.104 11.277 3.046 547 711 104.685 beverage
Pengangkutan dan pergudangan 102.366 265 - 389 4 103.024 Transport and warehousing
Konstruksi 108.939 1.636 168 252 317 111.312 Construction
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 85.882 1.817 427 - 209 88.335 and other business support
Bukan lapangan usaha lainnya 55.429 6.100 391 143 193 62.256 Not other business fields
Aktivitas profesional, ilmiah, dan teknis 36.254 - - - 57 36.311 Professional, scientific and technical activity
Aktivitas jasa lainnya 18.426 524 873 16 311 20.150 Other service activities
Jasa pendidikan 14.837 5 - - 36 14.878 Education services
Kesenian, hiburan dan rekreasi 4.443 1 - - - 4.444 Arts, entertainment and recreation
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 3.100 - - - - 3.100 hot and cold air
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 2.776 - - - 14 2.790 and remediation activities
Jumlah 14.112.288 1.765.388 55.299 20.773 183.932 16.137.680 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Industri pengolahan 225.450 66.207 - - - 291.657 Processing industries
Pertambangan dan penggalian 231.070 - - - - 231.070 Mining and excavation
Jumlah 456.520 66.207 - - - 522.727 Subtotal
Jumlah - pihak ketiga 14.568.808 1.831.595 55.299 20.773 183.932 16.660.407 Total - third parties
Jumlah 14.779.847 1.831.595 55.299 20.773 183.932 16.871.446 Total
Cadangan kerugian penurunan nilai (786.982) (696.858) (25.782) (10.057) (166.567) (1.686.246) Allowance for impairment losses
Jumlah - bersih 13.992.865 1.134.737 29.517 10.716 17.365 15.185.200 Net
- 62 -
Page 599
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2022
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Aktivitas keuangan dan asuransi 697.683 - - - - 697.683 Financial and insurance activities
Rumah tangga 47.249 - - - - 47.249 Household
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 13.411 - - - - 13.411 and maintenance of cars, and motorcycles
Bukan lapangan usaha lainnya 9.907 - - - - 9.907 Not other business fields
Jumlah 768.250 - - - - 768.250 Subtotal
Mata uang asing (Catatan 37) Foreign currency (Note 37)
Rumah tangga 7.784 - - - - 7.784 Household
Jumlah - pihak berelasi 776.034 - - - - 776.034 Total - related parties
Pihak ketiga Third Parties
Rupiah Rupiah
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 4.236.797 865.677 7.267 165.626 14.488 5.289.855 and maintenance of cars, and motorcycles
Rumah tangga 2.495.352 598.863 16.511 23.417 29.985 3.164.128 Household
Aktivitas keuangan dan asuransi 1.073.759 - - - - 1.073.759 Financial and insurance activities
Informasi dan komunikasi 963.214 223 - - 2.110 965.547 Information and communication
Pertanian, kehutanan dan perikanan 780.895 4.088 - 336 1.652 786.971 Agriculture, hunting and forestry
Pertambangan dan penggalian 677.725 - 8.489 - - 686.214 Mining and excavation
Industri pengolahan 376.812 13.767 413 784 1.710 393.486 Processing industries
Real estate 129.817 - - 175.000 - 304.817 Real estate
Aktivitas kesehatan manusia Human health activities
dan aktivitas sosial 157.773 - - - - 157.773 and social activities
Konstruksi 154.089 1.624 - - 376 156.089 Construction
Penyediaan akomodasi dan Accommodation and food and
penyediaan makan minum 111.119 3.950 531 36.241 934 152.775 beverage
Pengangkutan dan pergudangan 140.234 411 - 357 396 141.398 Transport and warehousing
Bukan lapangan usaha lainnya 64.335 4.887 1.077 70 83 70.452 Not other business fields
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 70.384 - - - - 70.384 and other business support
Aktivitas profesional, ilmiah, dan teknis 62.554 - - - 76 62.630 Professional, scientific and technical activity
Aktivitas jasa lainnya 25.476 1.180 - - 234 26.890 Other service activities
Jasa pendidikan 13.072 56 - - - 13.128 Education services
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, waste management and recycling,
dan aktivitas remediasi 3.497 - 33 - - 3.530 and remediation activities
Pengadaan listrik, gas, uap/air Supply of electricity, gas, steam/water
panas dan udara dingin 3.453 - - - - 3.453 hot and cold air
Aktivitas rumah tangga sebagai pemberi
kerja; aktivitas yang menghasilkan Household activities as employers;
barang dan jasa oleh rumah tangga activities that produce goods and services
yang digunakan untuk memenuhi by households that are used to meet their
kebutuhan sendiri 2.229 - - - - 2.229 own needs
Kesenian, hiburan dan rekreasi 1.501 - - - - 1.501 Arts, entertainment and recreation
Jumlah 11.544.087 1.494.726 34.321 401.831 52.044 13.527.009 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya - - - 777.314 - 777.314 and other business support
Pertambangan dan penggalian 305.874 - - - - 305.874 Mining and excavation
Industri pengolahan - 74.724 - - - 74.724 Processing industries
Perdagangan besar dan eceran,
reparasi dan perawatan mobil Wholesale and retail trade, repair,
dan sepeda motor 31.130 - - - - 31.130 and maintenance of cars, and motorcycles
Informasi dan komunikasi 8.879 - - - - 8.879 Information and communication
Jumlah 345.883 74.724 - 777.314 - 1.197.921 Subtotal
Jumlah - pihak ketiga 11.889.970 1.569.450 34.321 1.179.145 52.044 14.724.930 Total - third parties
Jumlah 12.666.004 1.569.450 34.321 1.179.145 52.044 15.500.964 Total
Cadangan kerugian penurunan nilai (671.410) (576.165) (20.843) (828.511) (24.196) (2.121.125) Allowance for impairment losses
Jumlah - bersih 11.994.594 993.285 13.478 350.634 27.848 13.379.839 Net
- 63 -
Page 600
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
c. Jangka Waktu c. By Maturity
Jangka waktu kredit dan piutang/ The classifications of loans and
pembiayaan syariah diklasifikasikan receivables/sharia financing based on
berdasarkan periode sebagaimana yang contractual maturity, as stated in the
tercantum dalam perjanjian dan waktu yang agreements, and based on remaining
tersisa sampai dengan saat jatuh temponya: maturity are as follows:
Berdasarkan Periode Perjanjian Kredit: Based on Contractual Maturity:
2023 2022
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 1.981.350 1.956.125 1 year or less
Lebih dari 1 - 2 tahun 5.253.216 2.584.749 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 4.985.425 5.446.883 More than 2 years until 5 years
Lebih dari 5 tahun 4.121.029 4.307.502 More than 5 years
Jumlah 16.341.020 14.295.259 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Kurang dari atau sama dengan 1 tahun 170 40.009 1 year or less
Lebih dari 1 - 2 tahun 33.123 7.784 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 277.335 1.083.188 More than 2 years until 5 years
Lebih dari 5 tahun 219.798 74.724 More than 5 years
Jumlah 530.426 1.205.705 Subtotal
Jumlah 16.871.446 15.500.964 Total
Cadangan kerugian penurunan nilai (1.686.246) (2.121.125) Allowance for impairment losses
Jumlah - bersih 15.185.200 13.379.839 Net
Berdasarkan Sisa Umur Jatuh Tempo: Based on Remaining Period until Maturity:
2023 2022
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 6.362.940 3.902.081 1 year or less
Lebih dari 1 - 2 tahun 4.061.958 3.461.548 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 3.299.418 4.737.017 More than 2 years until 5 years
Lebih dari 5 tahun 2.616.704 2.194.613 More than 5 years
Jumlah 16.341.020 14.295.259 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Kurang dari atau sama dengan 1 tahun 33.293 47.793 1 year or less
Lebih dari 1 - 2 tahun 46.265 777.314 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 231.070 305.874 More than 2 years until 5 years
Lebih dari 5 tahun 219.798 74.724 More than 5 years
Jumlah 530.426 1.205.705 Subtotal
Jumlah 16.871.446 15.500.964 Total
Cadangan kerugian penurunan nilai (1.686.246) (2.121.125) Allowance for impairment losses
Jumlah - bersih 15.185.200 13.379.839 Net
d. Suku bunga/bagi hasil per tahun atas kredit d. Interest rates/profit sharing per annum on
diberikan dan piutang/pembiayaan syariah loans and receivables/sharia financing are as
adalah sebagai berikut: follows:
2023 2022
% %
Rupiah 0,00 - 37,42 0,00 - 46,29 Rupiah
Dolar Amerika Serikat 0,95 - 10,00 0,76 - 12,00 United States Dollar
- 64 -
Page 601
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
e. Jumlah kredit yang dijamin dengan jaminan e. Loans collateralized by cash collateral as of
tunai pada tanggal 31 Desember 2023 dan December 31, 2023 and 2022 amounted to
2022 masing-masing sebesar Rp226.687 Rp226,687 and Rp266,189, respectively.
dan Rp266.189.
f. Saldo kredit channeling pada tanggal 31 f. The balance of the loan channeling credit as
Desember 2023 dan 2022 masing-masing of December 31, 2023 and 2022, amounted
adalah sebesar Rp54.605 dan Rp174.587, to Rp54,605 and Rp174,587 respectively, of
dimana sebesar Rp38.965 dan Rp159.745 which Rp38,965 and Rp159,745 from the
dari saldo kredit channeling disalurkan credit balance of joint financing is channeled
melalui pihak berelasi (Catatan 35). through Related Parties (Note 35).
g. Saldo kredit joint financing pada tanggal 31 g. The balance of the joint financing credit as of
Desember 2023 dan 2022 masing-masing December 31, 2023 and 2022 amounted to
adalah sebesar Rp2.862.913 dan Rp2,862,913 and Rp2,981,243, respectively,
Rp2.981.243 dimana, sebesar Rp2.586.684 of which Rp2,586,684 and Rp2,761,696 from
dan Rp2.761.696 dari saldo kredit joint the credit balance of joint financing is
financing disalurkan melalui pihak berelasi channeled through related parties (Note 35).
(Catatan 35).
h. Kredit yang diberikan kepada karyawan h. Loans to employees represent distributed
merupakan kredit untuk membeli loans for purchases of cars, houses and
kendaraan, rumah dan keperluan lainnya other necessities with 0%-12% interest rate
yang dibebani bunga 0%-12% untuk kredit for loans with term below 1 year and 0%-
dibawah 1 tahun dan 0%-24,43% untuk 24.43% per annum for loan with terms
kredit antara 1 sampai dengan 10 tahun. ranging between 1 to 10 years.
i. Untuk tahun-tahun yang berakhir 31 i. For the years ended December 31, 2023 and
Desember 2023 dan 2022, jumlah kredit 2022, total restructured loans amounted to
yang direstrukturisasi masing-masing Rp479,140 and Rp1,046,200, respectively.
sebesar Rp479.140 dan Rp1.046.200.
j. Saldo kredit dan piutang/pembiayaan j. The collectibility classification of loans and
syariah pada tanggal 31 Desember 2023 receivables/sharia financing as of
dan 2022 berdasarkan klasifikasi December 31, 2023 and 2022 follows:
kolektibilitas adalah sebagai berikut:
2023
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Rupiah Rupiah
Pihak berelasi (Catatan 35) 203.340 - - - - 203.340 Related parties (Note 35)
Pihak ketiga 14.112.288 1.765.388 55.299 20.773 183.932 16.137.680 Third parties
Jumlah 14.315.628 1.765.388 55.299 20.773 183.932 16.341.020 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pihak berelasi (Catatan 35) 7.699 - - - - 7.699 Related parties (Note 35)
Pihak ketiga 456.520 66.207 - - - 522.727 Third parties
Jumlah 464.219 66.207 - - - 530.426 Subtotal
Jumlah 14.779.847 1.831.595 55.299 20.773 183.932 16.871.446 Total
- 65 -
Page 602
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2022
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Rupiah Rupiah
Pihak berelasi (Catatan 35) 768.250 - - - - 768.250 Related parties (Note 35)
Pihak ketiga 11.544.087 1.494.726 34.321 401.831 52.044 13.527.009 Third parties
Jumlah 12.312.337 1.494.726 34.321 401.831 52.044 14.295.259 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pihak berelasi (Catatan 35) 7.784 - - - - 7.784 Related parties (Note 35)
Pihak ketiga 345.883 74.724 - 777.314 - 1.197.921 Third parties
Jumlah 353.667 74.724 - 777.314 - 1.205.705 Subtotal
Jumlah 12.666.004 1.569.450 34.321 1.179.145 52.044 15.500.964 Total
k. Pada tanggal 31 Desember 2023 dan 2022, k. The details of non-performing loans as of
rincian kredit bermasalah menurut sektor December 31, 2023 and 2022, based on
ekonomi sesuai ketentuan Otoritas Jasa economic sectors according to Otoritas Jasa
Keuangan adalah sebagai berikut: Keuangan regulation are as follows:
2023 2022
Rupiah Rupiah
Aktivitas kesehatan manusia dan aktivitas sosial 147.973 - Human health activities and social activities
Rumah tangga 72.315 69.913 Household
Perdagangan besar dan eceran, reparasi, Whole sale and retail, repair, and
dan perawatan mobil dan sepeda motor 22.068 187.381 maintenance of cars and motorcycles
Penyediaan akomodasi dan penyediaan makan minum 4.304 37.706 Accomodation and food and beverage
Industri pengolahan 3.961 2.907 Processing industry
Pertanian, kehutanan dan perikanan 3.062 1.988 Agriculture, foresty and fishery
Informasi dan komunikasi 2.355 2.110 Information and communication
Aktivitas jasa lainnya 1.200 234 Other service activities
Konstruksi 737 376 Contructions
Bukan lapangan usaha lainnya 727 1.230 Not other business fields
Aktivitas penyewaan dan sewa guna usaha Leasing and leasing activities without
tanpa hak opsi, ketenagakerjaan, agen option rights, employment, travel agent
perjalanan dan penunjang usaha lainnya 636 - and other business support
Pengangkutan dan pergudangan 393 753 Transportation and warehousing
Aktivitas keuangan dan asuransi 166 - Financial and insurance activities
Aktivitas profesional, ilmiah, dan teknis 57 76 Professional, scientific and technical activity
Jasa pendidikan 36 - Education services
Pengelolaan air, pengelolaan air limbah, Water management, waste water management,
pengelolaan dan daur ulang sampah, dan management and waste recycling, and
aktivitas remediasi 14 33 remediation activities
Real estate - 175.000 Real estate
Pertambangan dan penggalian - 8.489 Mining and excavation
Jumlah 260.004 488.196 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Aktivitas penyewaan dan sewa guna usaha Leasing and lease without option rights
tanpa hak opsi, ketenagakerjaan, agen employment, travel agents and other
perjalanan dan penunjang usaha lainnya - 777.314 business support
Jumlah 260.004 1.265.510 Total
l. Pada tanggal 31 Desember 2023 dan 2022, l. As of December 31, 2023 and 2022,
kredit non-performing yang telah dihentikan interest/profit sharing not accrued on non-
pembebanan bunganya/bagi hasilnya performing loans amounted to Rp260,004
masing-masing adalah sebesar Rp260.004 and Rp1,265,510, respectively.
dan Rp1.265.510.
- 66 -
Page 603
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
m. Mutasi cadangan kerugian penurunan nilai m. The changes in allowance for impairment
kredit adalah sebagai berikut: losses on loans are as follows:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 105.916 326.469 859.110 829.630 2.121.125 Beginning balance
Saldo awal kerugian kredit ekspektasian Beginning balance of expected
pada fasilitas kredit yang belum ditarik 11.298 32 22 - 11.352 credit losses on undrawn facilities
Aset keuangan yang baru diperoleh 59.086 26 - 59.112 Recenlty acquired financial assets
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali 232.257 14.875 87.885 118.034 453.051 and reamesurement
Transfer ke kerugian kredit
ekspektasian 12 bulan - Transfer to 12-month expected credit
(Tahap 1) 15.356 (63.569) (12.110) - (60.323) losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang umurnya Transfer to lifetime expected credit
(Tahap 2) (69.740) 208.812 (36.559) - 102.513 losses (Stage 2)
Transfer ke penurunan kredit Transfer to credit impairment
(Tahap 3) (1) (139.248) 254.069 - 114.820 losses (Stage 3)
Penghapusbukuan selama
periode berjalan - - (1.210.245) (10.423) (1.220.668) Write-off during the period
Selisih kurs (4) 111.834 - 111.830 Exchange difference rate
Saldo akhir kerugian kredit ekspektasian Expected credit losses on
pada fasilitas kredit yang belum ditarik (6.479) (33) (54) - (6.566) undistributed credit facilities
Saldo akhir 347.689 347.364 53.952 937.241 1.686.246 Ending Balance
2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 103.041 505.853 622.868 386.145 1.617.907 Beginning balance
Saldo awal kerugian kredit ekspektasian Beginning balance of expected
pada fasilitas kredit yang belum ditarik 22.606 - 49 - 22.655 credit losses on undrawn facilities
Aset keuangan yang baru diperoleh 104.553 1.012 578.566 - 684.131 Recenlty acquired financial assets
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali (83.814) 49.181 (549.300) 369.605 (214.328) and reamesurement
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12-month expected credit
(Tahap 1) 7.239 (31.460) (4.102) - (28.323) losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang umurnya Transfer to lifetime expected credit
(Tahap 2) (36.431) 104.633 (23.055) - 45.147 losses (Stage 2)
Transfer ke penurunan kredit Transfer to credit impairment
(Tahap 3) (61) (302.718) 363.709 - 60.930 losses (Stage 3)
Penerimaan kembali pinjaman
yang telah dihapusbukukan - - 57.866 74.972 132.838 Recovery
Penghapusbukuan selama
tahun berjalan - - (235.761) (1.092) (236.853) Write-off during the year
Selisih kurs 81 - 48.292 - 48.373 Exchange difference rate
Saldo akhir kerugian kredit ekspektasian Expected credit losses on
pada fasilitas kredit yang belum ditarik (11.298) (32) (22) - (11.352) undistributed credit facilities
Saldo akhir 105.916 326.469 859.110 829.630 2.121.125 Balance at the end of the year
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai untuk impairment losses on loans is adequate to
kredit yang diberikan adalah cukup untuk cover the losses which might arise from
menutup kemungkinan kerugian yang akan uncollectible loans.
timbul akibat tidak tertagihnya kredit yang
diberikan tersebut.
- 67 -
Page 604
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
n. Mutasi kredit yang dihapus buku selama n. The movement of loans written-off for 2023
tahun 2023 dan 2022 adalah sebagai and 2022 are follows:
berikut:
2023 2022
Mata Uang Mata Uang
Asing/ Asing/
Foreign Jumlah/ Foreign Jumlah/
Rupiah currency Total Rupiah currency Total
Beginning balance at the
Saldo awal tahun 4.540.065 85.162 4.625.227 4.453.489 77.969 4.531.458 beginning year
Mutasi selama tahun berjalan Movement during the year
Penghapusan 525.765 694.903 1.220.668 236.853 - 236.853 Write-off
Penerimaan kembali (78.154) - (78.154) (132.838) - (132.838) Recovery
Hapus tagih (32.492) - (32.492) (17.439) - (17.439) Write-off charges
Selisih kurs penjabaran - (930) (930) - 7.193 7.193 Exchange rate difference
Saldo akhir 4.955.184 779.135 5.734.319 4.540.065 85.162 4.625.227 Ending balance
o. Jaminan pemberian kredit umumnya berupa o. Loan collaterals are generally in the form of
tanah, bangunan, mesin, persediaan dan land, buildings, machinery, inventories and
deposito berjangka. time deposits.
p. Rasio kredit usaha kecil terhadap jumlah p. The ratios of small business loans to total
kredit yang diberikan pada tanggal 31 loans at December 31, 2023 and 2022 are
Desember 2023 dan 2022 adalah masing- 5.80% and 5.92%, respectively.
masing sebesar 5,80% dan 5,92%.
9. Tagihan dan Liabilitas Akseptasi 9. Acceptances Receivable and Payable
Tagihan Akseptasi Acceptances Receivable
a. Berdasarkan jangka waktu perjanjian: a. By term of agreements:
2023 2022
Rupiah Rupiah
1 bulan atau kurang 7.946 7.425 1 month or less
1-3 bulan 12.779 1.620 1-3 months
3-6 bulan 9.066 19.631 3-6 months
Jumlah 29.791 28.676 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
1-3 bulan 40.721 46.384 1-3 months
3-6 bulan 9.352 2.922 3-6 months
Jumlah 50.073 49.306 Total
Jumlah 79.864 77.982 Total
Cadangan kerugian penurunan nilai (1.560) (593) Allowance for impaiment losses
Jumlah - bersih 78.304 77.389 Total - net
- 68 -
Page 605
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Berdasarkan sisa umur sampai dengan saat b. Based on remaining maturity:
jatuh tempo:
2023 2022
Rupiah Rupiah
1 bulan atau kurang 18.978 11.724 1 month or less
1-3 bulan 10.813 14.217 1-3 months
3-6 bulan - 2.735 3-6 months
Jumlah 29.791 28.676 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
1 bulan atau kurang 32.282 38.062 1 month or less
1-3 bulan 17.791 11.244 1-3 months
Jumlah 50.073 49.306 Total
Jumlah 79.864 77.982 Total
Cadangan kerugian penurunan nilai (1.560) (593) Allowance for impaiment losses
Jumlah - bersih 78.304 77.389 Total - net
c. Kolektibilitas tagihan akseptasi pada c. Collectibility of acceptances receivable as of
tanggal 31 Desember 2023 dan 2022 adalah December 31, 2023 and 2022 are follows:
sebagai berikut:
2023 2022
Rupiah Rupiah
Pihak ketiga Third parties
Lancar 29.791 28.676 Current
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pihak ketiga Third parties
Lancar 50.073 49.306 Current
Jumlah 79.864 77.982 Total
d. Perubahan cadangan kerugian penurunan d. The changes in allowance for impairment
nilai tagihan akseptasi adalah sebagai losses on acceptances receivable are as
berikut: follows:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 593 - - 593 of the year
Pembentukan tahun berjalan 967 967 Provision of current year
Saldo akhir tahun 1.560 - - 1.560 Balance at the end of the year
2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning
Saldo awal tahun 2.646 - - 2.646 of the year
Pemulihan tahun berjalan (2.053) - - (2.053) Reversal during the year
Saldo akhir tahun 593 - - 593 Balance at the end of the year
- 69 -
Page 606
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
e. Manajemen berpendapat bahwa jumlah e. Management believes that the allowance for
cadangan kerugian penurunan nilai untuk impairment losses on acceptances
tagihan akseptasi pada tanggal 31 receivable as of December 31, 2023 and
Desember 2023 dan 2022 adalah cukup 2022 is adequate to cover the losses which
untuk menutup kemungkinan kerugian yang might arise from uncollectible acceptances
akan timbul akibat tidak tertagihnya tagihan receivable.
akseptasi tersebut.
Liabilitas Akseptasi Acceptances Payable
a. Berdasarkan jangka waktu perjanjian: a. By term of agreements:
2023 2022
Rupiah Rupiah
1 bulan atau kurang 7.948 7.427 1 month or less
1-3 bulan 12.784 1.620 1-3 months
3-6 bulan 9.066 19.676 3-6 months
Jumlah 29.798 28.723 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
1-3 bulan 40.730 46.412 1-3 months
3-6 bulan 9.352 2.930 3-6 months
Jumlah 50.082 49.342 Total
Jumlah 79.880 78.065 Total
b. Berdasarkan sisa umur sampai dengan saat b. Based on remaining maturity:
jatuh tempo:
2023 2022
Rupiah Rupiah
1 bulan atau kurang 18.981 11.731 1 month or less
1-3 bulan 10.817 14.241 1-3 months
3-6 bulan - 2.751 3-6 months
Jumlah 29.798 28.723 Total
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
1 bulan atau kurang 32.291 38.082 1 month or less
1-3 bulan 17.791 11.260 1-3 months
Jumlah 50.082 49.342 Total
Jumlah 79.880 78.065 Total
10. Pendapatan yang masih akan diterima 10. Accrued Income
Pendapatan yang masih akan diterima Accrued income consist of interest and profit
merupakan piutang bunga dan piutang bagi hasil sharing of sharia financing receivables.
pembiayaan syariah.
2023 2022
Piutang Bunga Interest Receivables
Efek-efek 255.131 244.928 Securities
Kredit 45.356 39.517 Loans
Penempatan pada bank lain 92 680 Placements with other banks
Jumlah 300.579 285.125 Total
Piutang Syariah Sharia Receivables
Piutang dan pembiayaan syariah 22.651 14.555 Sharia receivables and sharia financing
Efek-efek 3.521 4.360 Securities
Jumlah 26.172 18.915 Total
Jumlah 326.751 304.040 Total
- 70 -
Page 607
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
11. Biaya Dibayar Dimuka 11. Prepaid Expenses
2023 2022
Asuransi 689.983 1.053.846 Insurance
Pemeliharaan perangkat lunak dan keras 102.252 88.606 Software and hardware maintenance
Promosi dan pengembangan usaha 54.443 48.299 Promotion and operating development
Sewa 19.912 39.942 Rental
Renovasi cabang baru 16.282 18.780 New branches renovation costs
Program kepemilikan kendaraan karyawan 2.402 14.124 Vehicle ownership program
Lain-lain 36.674 15.857 Others
Jumlah 921.948 1.279.454 Total
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, prepaid
asuransi dibayar dimuka termasuk asuransi insurance includes insurance credit from
kredit kepada PT Asuransi Simas Insurtech, PT Asuransi Simas Insurtech, a related party,
pihak berelasi masing-masing sebesar amounting to Rp638,661 and Rp987,022,
Rp638.661 dan Rp987.022, dengan masa respectively, with benefits until November 15,
manfaat sampai dengan 15 November 2025. 2025.
Asuransi dibayar dimuka diamortisasi selama Prepaid insurance is amortized over the period
masa manfaat dengan menggunakan metode benefited using the straight-line method.
garis lurus.
12. Aset Tetap dan Aset Hak Guna 12. Fixed Assets and Right of Use
Aset tetap terdiri dari: Fixed assets consist of the following:
Perubahan selama tahun berjalan/
Changes during the year
Eliminasi Akumulasi
Penyusutan/
1 Januari 2023/ Penambahan/ Pengurangan/ Estimated Accumulated Surplus Revaluasi/ Penyesuaian/ 31 Desember 2023/
January 1, 2023 Additions Deductions Depreciation Revaluation Surplus Adjustment December 31, 2023
Kepemilikan langsung: Direct ownership:
Nilai revaluasian: Revalued amount:
Tanah 372.579 - - - 14.455 - 387.034 Land
Bangunan 255.822 1.899 - (58.867) 71.920 (5.089) 265.685 Buildings
Biaya perolehan: At cost:
Inventaris kantor 1.910.812 164.587 (3.794) - - - 2.071.605 Office equipment
Kendaraan bermotor 19.735 203 (1.310) - - - 18.628 Vehicles
Subtotal 2.558.948 166.689 (5.104) (58.867) 86.375 (5.089) 2.742.952 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 254.173 88.659 - - - - 342.832 Buildings
Kendaraan 124.357 28.933 (1.489) - - - 151.801 Vehicles
Subtotal 378.530 117.592 (1.489) - - - 494.633 Subtotal
Jumlah 2.937.478 284.281 (6.593) (58.867) 86.375 (5.089) 3.237.585 Total
Akumulasi penyusutan Accumulated depreciation
Nilai revaluasian: Revalued amount:
Bangunan 51.641 22.711 - (58.867) - - 15.485 Buildings
Biaya perolehan: At cost:
Inventaris kantor 1.099.480 155.286 (3.535) - - - 1.251.231 Office equipment
Kendaraan bermotor 21.672 318 (1.310) - - - 20.680 Vehicles
Subtotal 1.172.793 178.315 (4.845) (58.867) - - 1.287.396 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 200.622 64.115 - - - - 264.737 Buildings
Kendaraan 55.860 24.814 (1.297) - - - 79.377 Vehicles
Subtotal 256.482 88.929 (1.297) - - - 344.114 Subtotal
Jumlah 1.429.275 267.244 (6.142) (58.867) - - 1.631.510 Total
Nilai Tercatat 1.508.203 1.606.075 Net Book Value
- 71 -
Page 608
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Perubahan selama tahun berjalan/
Changes during the year
1 Januari 2022/ Penambahan/ Pengurangan/ 31 Desember 2022/
January 1, 2022 Additions Deductions December 31, 2022
Kepemilikan langsung: Direct ownership:
Nilai revaluasian: Revalued amount:
Tanah 371.133 1.446 - 372.579 Land
Bangunan 252.137 3.685 - 255.822 Buildings
Biaya perolehan: At cost:
Inventaris kantor 1.797.004 114.783 (975) 1.910.812 Office equipment
Kendaraan bermotor 21.108 32 (1.405) 19.735 Vehicles
Subtotal 2.441.382 119.946 (2.380) 2.558.948 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 187.471 67.240 (538) 254.173 Buildings
Kendaraan 93.623 31.870 (1.136) 124.357 Vehicles
Subtotal 281.094 99.110 (1.674) 378.530 Subtotal
Jumlah 2.722.476 219.056 (4.054) 2.937.478 Total
Akumulasi penyusutan Accumulated depreciation
Nilai revaluasian: Revalued amount:
Bangunan 34.385 17.256 - 51.641 Buildings
Biaya perolehan: At cost:
Inventaris kantor 953.395 146.982 (897) 1.099.480 Office equipment
Kendaraan bermotor 22.777 300 (1.405) 21.672 Vehicles
Subtotal 1.010.557 164.538 (2.302) 1.172.793 Subtotal
Aset hak-guna Right-of-use assets
Bangunan 136.277 64.616 (271) 200.622 Buildings
Kendaraan 34.777 21.170 (87) 55.860 Vehicles
Subtotal 171.054 85.786 (358) 256.482 Subtotal
Jumlah 1.181.611 250.324 (2.660) 1.429.275 Total
Nilai Tercatat 1.540.865 1.508.203 Net Book Value
Jumlah beban penyusutan yang dibebankan Depreciation expense charged to profit or loss as
pada laba rugi pada tanggal 31 Desember 2023 of December 31, 2023 and 2022 amounted to
dan 2022 masing-masing sebesar Rp267.244 Rp267,244 and Rp250,324, respectively.
dan Rp250.324.
Jumlah pengeluaran kas untuk sewa selama Total cash disbursements for lease during the
periode yang berakhir pada tanggal year ended December 31, 2023 and 2022
31 Desember 2023 dan 2022 masing-masing amounted to Rp111,120 and Rp97,741,
sebesar Rp111.120 dan Rp97.741. respectively.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Company
Perusahaan menjual aset tetapnya dengan nilai sold its property and equipment with a net book
tercatat masing-masing sebesar Rp130 dan value of Rp130 and Rp78, at a selling price of
Rp78 pada harga jual masing-masing sebesar Rp824 and Rp521, respectively. The related gain
Rp824 dan Rp521. Keuntungan bersih penjualan on sale of property and equipment is recognized
aset tetap tersebut dibukukan pada akun in Other Operating Revenue (Note 31).
Pendapatan Operasional Lainnya (Catatan 31).
Pada tanggal dan 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, property and
Perusahaan menghapus aset tetap dengan nilai equipment with a net book value of Rp129 and nil,
tercatat Rp129 dan nihil. Kerugian atas had been written-off. Losses on the write-off of
penghapusan aset tetap tersebut dibukukan property and equipment is recognized in Other
pada akun Beban Operasional Lainnya Operating Expenses account (Note 32).
(Catatan 32).
- 72 -
Page 609
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pada tanggal 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, the
tetap Perusahaan, kecuali tanah, diasuransikan Company's property and equipment, except land,
terhadap risiko kebakaran, gempa bumi, huru- are insured against fire, earthquake, riots, theft
hara, pencurian dan risiko lainnya pada and other risks with PT Asuransi Sinar Mas, a
PT Asuransi Sinar Mas, pihak berelasi, dengan related party, for Rp963,472 and Rp970,964,
nilai pertanggungan masing-masing sebesar respectively (Note 35). Management believes that
Rp963.472 dan Rp970.964 (Catatan 35). the insurance coverage is adequate to cover
Manajemen berpendapat bahwa nilai possible losses on the assets insured.
pertanggungan tersebut cukup untuk menutup
kemungkinan kerugian atas aset yang
dipertanggungkan.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
terdapat komitmen kontraktual dalam perolehan contractual commitments in the acquisition of
aset tetap. property and equipment.
Manajemen telah mengkaji ulang atas estimasi Management has reviewed the estimated
umur ekonomis, metode penyusutan, dan nilai economic life, depreciation method, and residual
residu pada setiap akhir periode pelaporan. value at the end of each reporting period.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
terdapat perubahan estimasi masa manfaat changes on the estimated useful life and/or the
dan/atau metode penyusutan aset tetap. method of depreciation of property and
equipment.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
ada aset tetap Perusahaan yang ditempatkan property and equipment used as collateral.
sebagai jaminan.
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no impairment
penurunan nilai atas aset tetap tersebut pada in value of the aforementioned assets as of
tanggal 31 Desember 2023 dan 2022. December 31, 2023 and 2022.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
terdapat aset tetap yang tidak dipakai property and equipment that are not used
sementara. temporarily.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
terdapat aset tetap yang berasal dari hibah. property and equipment that come from grants.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
terdapat aset tetap yang dihentikan dari property and equipment that have been
penggunaan aktif dan diklasifikasikan sebagai discontinued from active use and are classified as
dimiliki untuk dijual. held for sale.
Pada tanggal 31 Desember 2023 dan 2022, aset As of December 31, 2023 and 2022, the
tetap Perusahaan dengan nilai perolehan Company’s property and equipment with
Rp513.408 dan Rp425.001 telah disusutkan acquisition cost of Rp513,408 and Rp425,001 has
penuh, namun masih digunakan untuk been fully depreciated, but is still being used to
menunjang operasional Perusahaan. support the Company’s operations.
- 73 -
Page 610
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Tanah dan bangunan Perusahaan direvaluasi The Company’s land and buildings are revalued
dengan menggunakan saldo tanggal 11 Juli using the balance as of July 11, 2023, based on
2023, dengan laporan penilai dari KJPP appraisal report of KJPP Firmansyah dan Rekan,
Firmansyah & Rekan, penilai independen, independent valuers, with report No. 00787/
dengan laporan No. 00787/2.0115- 2.0115-00/PI/07/0249/1/VII/2023 dated August
00/PI/07/0249/1/VII/2023 tanggal 18 Agustus 18, 2023, which was signed by Firmansyah
2023 yang telah ditandatangani oleh S.T.MAPPI (Cert). Fair value has been
Firmansyah, S.T.MAPPI (Cert). Penilaian determined as described in Note 13. The
ditentukan menggunakan metode sebagaimana revaluation surplus was credited to “Other equity
dijelaskan pada Catatan 13. Surplus revaluasi components” in the statements of changes in
dikreditkan pada akun “Komponen ekuitas equity.
lainnya” dalam laporan perubahan ekuitas.
Jika tanah dan bangunan dinyatakan pada If land and buildings were stated on the historical
metode biaya, nilai tercatat akan menjadi: cost basis, the amount would be as follows:
2023 2022
Biaya perolehan 601.049 599.149 Cost
Akumulasi penyusutan (159.645) (149.402) Accumulated depreciation
Nilai tercatat 441.404 449.747 Net book value
13. Nilai Wajar Aset Non Keuangan 11.
13. Fair Value of Non – Financial Assets
2023 2022
Pengukuran nilai wajar berulang Recurring fair value measurements
Land and buildings (under property and
Tanah dan bangunan (aset tetap) 652.720 621.883 equipment)
Pengukuran nilai wajar berulang aset non The fair value measurement for recurring non-
keuangan termasuk dalam Level 2 hierarki nilai financial assets falls within Level 2 of the fair
wajar sebagaimana dijelaskan pada Catatan 2. value hierarchy as outlined in Note 2.
Informasi tentang pengukuran nilai wajar yang The information about fair value measurements
menggunakan input signifikan yang tidak dapat using significant unobservable input (Level 2) are
diobservasi (Level 2) adalah sebagai berikut: as follows:
Keterangan/Description Teknik penilaian/Valuation technique
Aset tetap (tanah dan bangunan)/ Metode perbandingan data pasar dengan
Property and equipment (land and penyesuaian faktor yang dianggap relevan/
buildings) Market-comparable approach with
adjustments for relevant factors
Tanah dan bangunan telah dinilai oleh penilai Land and buildings have been revalued by
independen. independent appraiser.
Seluruh aset dimanfaatkan pada penggunaan All assets are used based on their highest and
tertinggi dan terbaiknya. best use.
Surplus revaluasi tanah dan bangunan dalam Revaluation surplus of land and buildings in
Catatan 12 mencerminkan keuntungan belum Note 12 represent gain recognized in other
direalisasi yang diakui pada penghasilan comprehensive income.
komprehensif lain.
- 74 -
Page 611
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
14. Aset Ijarah 14. Ijarah Assets
Akun ini merupakan obyek sewa dari transaksi This account represents objects of the Ijarah
Ijarah Muntahiyah Bittamlik dengan opsi Muntahiyah Bittamlik lease transactions with an
perpindahan hak milik obyek sewa dengan option to transfer the object property being leased
hibah. by the grant.
Perubahan selama tahun berjalan/
Changes during the year
Pengalihan pada
akhir masa akad/
Transfer of the
1 Januari/ Penambahan/ lease at end 31 Desember/
January 1, 2023 Additions of contract December 31, 2023
Biaya perolehan 485.505 85.805 (67.841) 503.469 Cost
Akumulasi penyusutan 87.886 99.206 (67.841) 119.251 Accumulated depreciation
Nilai tercatat 397.619 (13.401) - 384.218 Net book value
Perubahan selama tahun berjalan/
Changes during the year
Pengalihan pada
akhir masa akad/
Transfer of the
1 Januari/ Penambahan/ lease at end 31 Desember/
January 1, 2022 Additions of contract December 31, 2022
Biaya perolehan 447.555 97.421 (59.471) 485.505 Cost
Akumulasi penyusutan 51.169 96.188 (59.471) 87.886 Accumulated depreciation
Nilai tercatat 396.386 1.233 - 397.619 Net book value
15. Aset Lain-lain - Bersih 15. Other Assets - Net
2023 2022
Uang muka pembelian aset 185.930 210.049 Advances for purchase of assets
Agunan yang diambil-alih 125.621 380.204 Foreclosed assets
Tagihan sehubungan dengan ATM bersama 72.841 52.538 Receivables related to ATM bersama
Setoran jaminan 35.747 34.769 Security deposits
Tagihan derivatif 27.502 - Derivative receivables
Tagihan komisi asuransi 20.825 19.884 Insurance commission receivables
Uang muka renovasi gedung kantor 17.583 11.143 Advances for building renovation
Barang cetakan dan materai 17.104 20.155 Printing materials and stamp duty
Tagihan subsidi Pemerintah 12.169 17.318 Government subsidy receivable
Tagihan sehubungan dengan transaksi QR 7.402 3.466 Receivables related to QR Transaction
Pajak dibayar dimuka 223 253 Prepaid tax
Tagihan sehubungan dengan jaringan Receivables related to principal network
principal kartu kredit 616 180 credit card
Lain-lain 20.461 17.149 Others
Jumlah 544.024 767.108 Subtotal
Cadangan kerugian penurunan nilai (88.120) (247.959) Allowance for impairment losses
Jumlah - bersih 455.904 519.149 Net
Pada tanggal 31 Desember 2023 dan 2022, nilai As of December 31, 2023 and 2022, the carrying
tercatat agunan yang diambil-alih adalah value of foreclosed properties amounted
masing-masing sebesar Rp37.501 dan Rp37,501 and Rp132,245, respectively, after
Rp132.245, setelah dikurangi dengan cadangan allowance for impairment losses amounting to
kerugian penurunan nilai masing-masing Rp88,120 and Rp247,959, respectively.
sebesar Rp88.120 dan Rp247.959.
- 75 -
Page 612
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Berikut adalah rincian agunan yang diambil alih The classification of foreclosed assets and
dan properti terbengkalai berdasarkan abandoned properties subject to Bank Indonesia
kolektibilitasnya sesuai ketentuan Bank regulation is as follows:
Indonesia:
2023 2022
Lancar 1.481 50.409 Current
Kurang lancar 3.346 11.430 Substandard
Diragukan 41.068 264.190 Doubtful
Macet 79.726 54.175 Loss
Jumlah 125.621 380.204 Total
Mutasi cadangan kerugian penurunan nilai aset Movements in allowance for impairment
lain–lain adalah sebagai berikut: losses – other assets are as follows:
2023 2022
Saldo awal 247.959 274.364 Beginning balance
Pemulihan tahun berjalan (159.839) (26.405) Reversal for current year
Saldo akhir 88.120 247.959 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the allowance of
cadangan kerugian penurunan nilai untuk aset impairment losses for other assets is adequate to
lain-lain adalah cukup untuk menutup cover possible losses that may arise from these
kemungkinan kerugian yang akan timbul akibat assets.
tidak tertagihnya aset tersebut.
Rincian transaksi derivatif atas swap mata uang Details of derivative transaction on foreign
asing pada tanggal 31 Desember 2023 dan 2022 currency swaps as of December 31, 2023 and
adalah sebagai berikut: 2022 are as follows:
2023
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Pihak berelasi Related parties
Mata uang asing Foreign currency
Transaksi swap : Swap transaction:
PT Berau Coal 1.895.727 23.564 23.869 (305) PT Berau Coal
PT Smart Tbk 23.829 199 199 - PT Smart Tbk
PT Artha Cipta Langgeng 13.714 109 109 - PT Artha Cipta Langgeng
Transaksi domestic non Domestic non deliverable
deliverable forward: forward transaction:
PT Sinarmas Sekuritas 154.344 (506) 400 (906) PT Sinarmas Sekuritas
PT Sinarmas Asset Management 30.878 (332) - (332) PT Sinarmas Asset Management
Pihak ketiga Third parties
Mata uang asing Foreign currency
Transaksi swap : Swap transaction:
Citibank N.A. 153.951 (559) - (559) Citibank N.A.
PT Bank Permata Tbk 76.975 (280) - (280) PT Bank Permata Tbk
- 76 -
Page 613
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Pihak ketiga Third parties
Mata uang asing Foreign currency
Transaksi spot : Spot transaction:
Citibank N.A. 154.169 87 102 (15) Citibank N.A.
Deutsche Bank 123.157 (298) - (298) Deutsche Bank
PT Bank KB Bukopin Tbk 92.532 73 73 - PT Bank KB Bukopin Tbk
Bank Pan Indonesia Tbk 77.211 111 111 - Bank Pan Indonesia Tbk
PT Bank KEB Hana 76.973 (77) 19 (96) PT Bank KEB Hana
PT Bank CTBC indonesia 61.655 32 32 - PT Bank CTBC indonesia
Bank of China 53.976 (13) 45 (58) Bank of China
MUFG Bank, Ltd 46.279 43 43 - MUFG Bank, Ltd
PT Indonesia
Bank Mega1906
Tbk Tbk 30.909 57 57 - PT Indonesia
Bank Mega1906
Tbk Tbk
PT Bank Permata Tbk 30.865 35 35 - PT Bank Permata Tbk
PT (Persero)
Bank ArthaTbk
Graha International Tbk 30.855 30 30 - PT (Persero)
Bank ArthaTbk
Graha International Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Barat dan Banten, Tbk 30.789 (51) - (51) Jawa Barat dan Banten, Tbk
PT Bank Multi Artha Sentosa 23.202 53 53 - PT Bank Multi Artha Sentosa
PT Bank Negara Indonesia (Persero) Tbk 15.446 24 24 - PT Bank Negara Indonesia (Persero) Tbk
PT Bank Central Asia Tbk 15.442 22 22 - PT Bank Central Asia Tbk
PT Bank Shinhan Indonesia 15.426 14 14 - PT Bank Shinhan Indonesia
PT Bank JTrust Indonesia Tbk 15.426 14 14 - PT Bank JTrust Indonesia Tbk
PT Bank Maybank Indonesia Tbk 15.426 14 14 - PT Bank Maybank Indonesia Tbk
Transaksi domestic non deliverable forward : Domestic non deliverable forward transaction:
PT Bank Maybank Indonesia Tbk 188.630 1.902 2.237 (335) PT Bank Maybank Indonesia Tbk
Total 24.267 27.502 (3.235) Total
2022
Tagihan Liabilitas
Nilai kontrak/ derivatif/ derivatif/
Contract Nilai wajar/ Derivatives Derivatives
amount Fair value receivable payable
Pihak ketiga Third parties
Mata uang asing Foreign currency
Transaksi swap : Swap transaction:
PT Bank KB Bukopin Tbk 575.910 (6.592) - (6.592) PT Bank KB Bukopin Tbk
PT Bank Capital Indonesia Tbk 39.145 110 110 - PT Bank Capital Indonesia Tbk
Transaksi spot : Spot transaction:
PT Bank KEB Hana 174.050 1.205 1.395 (190) PT Bank KEB Hana
PT Bank KB Bukopin Tbk 159.131 1.518 1.718 (200) PT Bank KB Bukopin Tbk
PT Bank Mega Tbk 142.794 1.117 1.337 (220) PT Bank Mega Tbk
PT Bank CTBC indonesia 141.706 781 791 (10) PT Bank CTBC indonesia
PT Bank Multi Artha Sentosa 62.550 135 135 - PT Bank Multi Artha Sentosa
PT Bank Capital Indonesia Tbk 47.295 260 295 (35) PT Bank Capital Indonesia Tbk
PT Bank Ganesha Tbk 47.115 195 205 (10) PT Bank Ganesha Tbk
PT Bank JTrust Indonesia Tbk 47.070 115 185 (70) PT Bank JTrust Indonesia Tbk
PT Bank Shinhan Indonesia 31.872 366 366 - PT Bank Shinhan Indonesia
PT Bank Permata Tbk 15.950 190 190 - PT Bank Permata Tbk
PT Bank Artha Graha International Tbk 15.630 30 30 - PT Bank Artha Graha International Tbk
PT Bank Woori Saudara Indonesia 1906 Tbk 15.586 8 8 - PT Bank Woori Saudara Indonesia 1906 Tbk
PT Bank Maybank Indonesia Tbk 15.565 (60) - (60) PT Bank Maybank Indonesia Tbk
PT Bank Negara Indonesia (Persero) Tbk 15.565 (15) - (15) PT Bank Negara Indonesia (Persero) Tbk
Bank of China 15.565 (10) - (10) Bank of China
PT Bank Danamon Indonesia Tbk 6.723 6 6 - PT Bank Danamon Indonesia Tbk
Total (639) 6.772 (7.411) Total
Kontrak-kontrak untuk posisi 31 Desember 2023 Contracts as at December 31, 2023 and 2022
dan 2022 masing-masing jatuh tempo diantara will be matured between January 4, 2024 and
tanggal 4 Januari 2024 dan 3 Januari 2023. January 3, 2023, respectively.
- 77 -
Page 614
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
16. Liabilitas Segera 16. Liabilities Immediately Payable
2023 2022
Liabilitas sehubungan dengan jaringan ATM 61.935 50.598 Payable related to ATM network
Beban akrual 60.018 33.369 Accrued expenses
Transfer checks for collection
Kiriman uang 19.669 16.217 and clearing
Liabilitas pembayaran online 8.644 4.557 Online payment payable
Liabilitas administrasi kredit 6.062 7.752 Loans administration payable
Program loyalitas pelanggan 2.981 3.004 Customer loyalty program
Liabilitas jasa produksi - 8.000 Production service payable
Lain-lain 5.792 5.567 Others
Jumlah 165.101 129.064 Total
17. Simpanan 17. Deposits
Simpanan terdiri dari: Deposits consist of the following:
2023 2022
Giro 14.682.168 13.543.814 Demand deposits
Tabungan 10.768.878 10.029.216 Saving
Deposito berjangka 9.691.539 8.823.996 Time deposit
Jumlah 35.142.585 32.397.026 Total
a. Giro terdiri atas: a. Demand deposits consist of:
2023 2022
Konvensional Conventional
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah 2.714.531 1.871.666 Rupiah
Mata uang asing (Catatan 37) 2.214.065 1.270.104 Foreign currencies (Note 37)
Jumlah 4.928.596 3.141.770 Subtotal
Pihak ketiga Third parties
Rupiah 6.378.756 7.876.823 Rupiah
Mata uang asing (Catatan 37) 3.276.877 2.501.770 Foreign currencies (Note 37)
Jumlah 9.655.633 10.378.593 Subtotal
Jumlah Konvensional 14.584.229 13.520.363 Total Conventional
Syariah Sharia
Giro Wadiah Wadiah Demand Deposits
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah 15 477 Rupiah
Mata uang asing (Catatan 37) 902 11 Foreign currencies (Note 37)
Jumlah 917 488 Subtotal
Pihak ketiga Third parties
Rupiah 31.761 15.821 Rupiah
Mata uang asing (Catatan 37) 65.261 7.142 Foreign currencies (Note 37)
Jumlah 97.022 22.963 Subtotal
Jumlah Syariah 97.939 23.451 Total Sharia
Jumlah 14.682.168 13.543.814 Total
2023 2022
% %
Interest rates per annum on
Suku bunga giro per tahun demand deposits
Rupiah 0,00 - 4,75 0,00 - 6,00 Rupiah
Mata uang asing 0,00 - 4,00 0,00 - 0,25 Foreign currencies
- 78 -
Page 615
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Saldo giro yang diblokir dalam rangka Demand deposit blocked to guarantee loan
jaminan kredit yang diberikan, bank garansi and the bank guarantee as of December 31,
dan letters of credit pada tanggal 31 2023 and 2022 amounted to Rp33,181 and
Desember 2023 dan 2022, masing-masing nil, respectively.
sebesar Rp33.181 dan nihil.
b. Tabungan terdiri atas: b. Savings deposit consists of:
2023 2022
Konvensional Conventional
Rupiah Rupiah
Pihak berelasi (Catatan 35) Related parties (Note 35)
Tabungan Sinarmas 20.918 41.829 Sinarmas Saving
Tabungan Sinarmas Gold 16.286 15.190 Sinarmas Gold Saving
Tabungan Sinarmas Diamond 43.192 34.509 Sinarmas Diamond Saving
Tabunganku 973 545 Tabunganku
Jumlah 81.369 92.073 Subtotal
Pihak ketiga Third parties
Tabungan Sinarmas 2.251.996 2.336.228 Sinarmas Saving
Tabungan Sinarmas Gold 5.972.979 5.035.367 Sinarmas Gold Saving
Tabungan Sinarmas Diamond 1.492.200 1.514.049 Sinarmas Diamond Saving
Tabunganku 766.419 797.939 Tabunganku
Jumlah 10.483.594 9.683.583 Subtotal
Jumlah Konvensional 10.564.963 9.775.656 Total Conventional
Syariah Sharia
Rupiah Rupiah
Pihak berelasi (Catatan 35) Related parties (Note 35)
Tabungan Wadiah 570 208 Wadiah Saving
Pihak ketiga Third parties
Tabungan Wadiah 201.121 253.352 Wadiah Saving
Mata uang asing (Note 37) Foreign currencies (Note 37)
Pihak berelasi (Catatan 35) Related parties (Note 35)
Tabungan Wadiah 1 - Wadiah Saving
Pihak ketiga Third parties
Tabungan Wadiah 2.223 - Wadiah Saving
Jumlah Syariah 203.915 253.560 Total Sharia
Jumlah 10.768.878 10.029.216 Total
2023 2022
% %
Interest rates per annum on
Suku bunga tabungan per tahun saving deposits
Rupiah 0,00 - 5,00 0,00 - 5,00 Rupiah
Mata uang asing 0,00 - Foreign currencies
Pada tanggal 31 Desember 2023 dan 2022, Deposit blocked to guarantee loan and the
saldo tabungan yang diblokir dalam rangka bank guarantee as of December 31, 2023
jaminan kredit yang diberikan dan bank and 2022 amounted to Rp3,126 and
garansi masing-masing sebesar Rp3.126 Rp2,693, respectively.
dan Rp2.693.
- 79 -
Page 616
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
c. Deposito berjangka terdiri atas: c. Time deposits consist of:
2023 2022
Pihak berelasi (Catatan 35) Related parties (Notes 35)
Rupiah 603.088 530.624 Rupiah
Mata uang asing (Catatan 37) 303.676 117.262 Foreign currencies (Note 37)
Jumlah 906.764 647.886 Subtotal
Pihak ketiga Third parties
Rupiah 7.977.667 7.597.240 Rupiah
Mata uang asing (Catatan 37) 807.108 578.870 Foreign currencies (Note 37)
Jumlah 8.784.775 8.176.110 Subtotal
Jumlah 9.691.539 8.823.996 Total
Klasifikasi deposito berjangka berdasarkan The details of time deposits based on
jangka waktu adalah sebagai berikut: maturities are as follows:
Berdasarkan periode deposito berjangka: Based on contractual maturity:
2023 2022
Pihak berelasi Pihak berelasi
(Catatan 35)/ Pihak (Catatan 35)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 35) parties Total (Note 35) parties Total
Rupiah Rupiah
Kurang dari 1 bulan 91.910 1.688.536 1.780.446 177.400 306.262 483.662 Less than 1 month
1 bulan 430.803 3.541.518 3.972.321 274.144 4.530.727 4.804.871 1 month
3 bulan 61.253 1.615.560 1.676.813 33.886 1.319.315 1.353.201 3 months
6 bulan 18.122 672.520 690.642 18.015 317.731 335.746 6 months
12 bulan 1.000 445.316 446.316 27.147 1.103.634 1.130.781 12 months
Lebih dari 12 bulan - 14.217 14.217 32 19.571 19.603 More than 12 months
Jumlah 603.088 7.977.667 8.580.755 530.624 7.597.240 8.127.864 Subtotal
Mata uang asing Foreign currencies
(Catatan 37) (Note 37)
Kurang dari 1 bulan 27.715 33.056 60.771 84.453 200.558 285.011 Less than 1 month
1 bulan 268.263 567.391 835.654 25.025 220.006 245.031 1 month
3 bulan - 46.316 46.316 - 50.870 50.870 3 months
6 bulan - 29.345 29.345 - 10.468 10.468 6 months
12 bulan 7.698 131.000 138.698 7.784 96.968 104.752 12 months
Jumlah 303.676 807.108 1.110.784 117.262 578.870 696.132 Subtotal
Jumlah 906.764 8.784.775 9.691.539 647.886 8.176.110 8.823.996 Total
Berdasarkan sisa umur sampai dengan saat Based on remaining maturity:
jatuh tempo:
2023 2022
Pihak berelasi Pihak berelasi
(Catatan 35)/ Pihak (Catatan 35)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 35) parties Total (Note 35) parties Total
Rupiah Rupiah
1 bulan atau kurang 544.745 6.019.349 6.564.094 468.817 5.294.693 5.763.510 1 month or less
1 - 3 bulan 58.269 1.214.879 1.273.148 35.438 1.126.545 1.161.983 1 - 3 months
3 - 6 bulan 74 500.307 500.381 1.202 272.990 274.192 3 - 6 months
6 - 12 bulan - 234.819 234.819 25.167 895.777 920.944 6 - 12 months
12 bulan atau lebih - 8.313 8.313 - 7.235 7.235 12 months or more
Jumlah 603.088 7.977.667 8.580.755 530.624 7.597.240 8.127.864 Subtotal
Mata uang asing Foreign currencies
(Catatan 37) (Note 37)
1 bulan atau kurang 295.977 637.934 933.911 109.478 462.662 572.140 1 month or less
1 - 3 bulan - 63.914 63.914 - 17.388 17.388 1 - 3 months
3 - 6 bulan - 12.840 12.840 - 5.018 5.018 3 - 6 months
6 - 12 bulan 7.699 92.420 100.119 7.784 93.802 101.586 6 - 12 months
Jumlah 303.676 807.108 1.110.784 117.262 578.870 696.132 Subtotal
Jumlah 906.764 8.784.775 9.691.539 647.886 8.176.110 8.823.996 Total
- 80 -
Page 617
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023 2022
% %
Interest rates per annum on
Suku bunga deposito per tahun time deposits
Rupiah 0,00 - 6,75 0,75 - 6,50 Rupiah
Mata uang asing 0,00 - 4,50 0,00 - 3,20 Foreign currencies
Saldo deposito berjangka yang diblokir dalam Total time deposits which are blocked to
rangka jaminan kredit yang diberikan, bank guarantee loans, bank guarantee and letters of
garansi dan letters of credit pada tanggal credit as of December 31, 2023 and 2022,
31 Desember 2023 dan 2022, masing-masing amounted to Rp823,969 and Rp993,795,
adalah sebesar Rp823.969 dan Rp993.795. respectively.
18. Simpanan dari Bank Lain 18. Deposits from Other Banks
Seluruh simpanan dari bank lain pada tanggal 31 All deposits from other banks as of December 31,
Desember 2023 dan 2022 merupakan simpanan 2023 and 2022 represent deposits in the form of
dalam bentuk giro dari pihak ketiga dengan demand deposits with third parties with details as
rincian sebagai berikut: follows:
2023 2022
Konvensional Conventional
Pihak ketiga Third parties
Rupiah Rupiah
Giro 40.524 13.895 Demand deposits
Deposito berjangka 11.174 - Time deposits
Call money 275.000 - Call money
Jumlah Konvensional 326.698 13.895 Total Conventional
Syariah Sharia
Pihak ketiga Third parties
Rupiah Rupiah
Giro Wadiah 747 254 Wadiah Demand Deposits
Jumlah 327.445 14.149 Total
2023 2022
% %
Suku bunga per tahun Interest rate per anum
Rupiah 0,00 - 6,27 0,00 - 2,50 Rupiah
19. Efek-efek yang Dijual dengan Janji beli 19. Securities Sold under Agreement to
Kembali - Pihak Ketiga Repurchased - Third Parties
Pada tanggal 31 Desember 2023, efek-efek yang As of December 31, 2023, securities sold under
dijual dengan janji beli kembali adalah sebagai agreement to repurchased are:
berikut:
2023
Tanggal
Pihak Lawan/ Jenis/ Jangka waktu/ jatuh tempo/ Nilai bersih/
Counterparty Type Term Due Date Net value
Rupiah
Bank BPD Jatim FR0087 7 hari/days 5 Januari/January 5, 2024 189.364
Bank BPD Jatim FR0087 7 hari/days 5 Januari/January 5, 2024 189.364
Bank BPD Jatim FR0087 7 hari/days 5 Januari/January 5, 2024 189.364
Bank BPD Jatim FR0082 6 hari/days 3 Januari/January 3, 2024 193.449
Bank BPD Jatim FR0082 6 hari/days 3 Januari/January 3, 2024 145.088
Bank BPD Jatim FR0082 6 hari/days 3 Januari/January 3, 2024 145.088
Jumlah/Total 1.051.717
- 81 -
Page 618
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
20. Utang Pajak 20. Taxes Payable
Utang pajak terdiri dari: Taxes payable consists of:
2023 2022
Pajak kini (Catatan 33) 22.677 129.764 Current tax (Note 33)
Pajak penghasilan Income tax
Pasal 4 14.446 12.873 Article 4
Pasal 21 5.813 5.142 Article 21
Pasal 23 dan 26 2.244 1.606 Articles 23 and 26
Pasal 25 - 3.743 Article 25
Jumlah pajak penghasilan 45.180 153.128 Total income tax
Pajak pertambahan nilai 7.392 5.718 Value added tax
Jumlah 52.572 158.846 Total
21. Beban yang Masih Harus Dibayar 21. Accrued Expenses
Beban yang masih harus dibayar merupakan Accrued expenses consist of accrued expenses
beban yang masih harus dibayar atas beban of interest and sharia expenses as follows:
bunga dan beban syariah sebagai berikut:
2023 2022
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Deposito 1.051 371 Time deposits
Giro 349 311 Demand deposits
Tabungan 16 17 Savings deposits
Jumlah 1.416 699 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Deposito 341 17 Time deposits
Giro 45 4 Demand deposits
Jumlah 386 21 Subtotal
Jumlah pihak berelasi 1.802 720 Total related parties
Pihak ketiga Third parties
Rupiah Rupiah
Deposito 29.921 17.578 Time deposits
Tabungan 1.477 1.381 Savings deposits
Giro 1.273 1.323 Demand deposits
Obligasi subordinasi 7.583 7.854 Subordinated bonds
Jumlah 40.254 28.136 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Deposito 1.753 217 Time deposits
Giro 7 5 Demand deposits
Jumlah 1.760 222 Subtotal
Jumlah pihak ketiga 42.014 28.358 Total third parties
Jumlah 43.816 29.078 Total
- 82 -
Page 619
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
22. Liabilitas Lain-lain 22. Other Liabilities
2023 2022
Setoran jaminan 157.425 18.279 Margin deposits
Liabilitas sewa 133.368 113.628 Lease liabilities
Liabilitas terkait asuransi kredit 23.005 22.712 Liability related to insurance credit
Pendapatan yang ditangguhkan 25.826 8.869 Deferred income
Penampungan cadangan biaya spin-off 11.851 14.938 Escrow for spin-off costs
Estimasi kerugian komitmen Estimated losses on commitment and
dan kontinjensi 7.640 12.621 contingencies
Liabilitas sehubungan dengan pinjaman 4.028 4.153 Liabilities in connection with loans
Titipan setoran pajak ke KPPN 3.871 639 Deposit tax payments to the KPPN
Liabilitas derivatif (Catatan 15) 3.235 - Derivatives liabilities (Note 15)
Setoran penyelesaian hapus buku 731 423 Deposit for write-off settlement
Setoran penyelesaian AYDA 306 572 Deposit for foreclosed assets settlement
Kewajiban penyaluran subsidi dari Obligation to distribute subsidies
Pemerintah - 1.941 from the Government
Lain-lain 22.568 10.516 Others
Jumlah 393.854 209.291 Total
Perubahan estimasi kerugian komitmen dan The changes in estimated losses on commitment
kontinjensi adalah sebagai berikut: and contingencies are as follows:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 12.567 32 22 12.621 Balance at the beginning of the year
Pembentukan (pemulihan) tahun berjalan (5.014) 1 32 (4.981) Provision (reversal) for current year
Saldo akhir tahun 7.553 33 54 7.640 Balance at the end of the year
2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 24.184 - 49 24.233 Balance at the beginning of the year
Pembentukan (pemulihan) tahun berjalan (11.617) 32 (27) (11.612) Provision (reversal) for current year
Saldo akhir tahun 12.567 32 22 12.621 Balance at the end of the year
23. Obligasi Subordinasi 23. Subordinated Bonds
Merupakan obligasi subordinasi yang diterbitkan These represent subordinated bonds issued by
oleh Perusahaan dengan rincian sebagai berikut: the Company with the following details:
2023 2022
Obligasi subordinasi Bank Sinarmas Bank Sinarmas subordinated bonds
Tahap I Tahun 2022 500.000 500.000 Phase I of 2022
Diskonto yang belum diamortisasi (3.488) (4.479) Unamortized discount
Jumlah - bersih 496.512 495.521 Total - net
Pada tanggal 29 Juni 2022, Perusahaan On June 29, 2022, the Company issued Bank
menerbitkan Obligasi Subordinasi Sinarmas Phase I Year 2022 Subordinated
Berkelanjutan I Bank Sinarmas Tahap I Tahun Sustainable Bonds of Rp500,000. This
2022 sebesar Rp500.000. Obligasi subordinasi subordinated bond has a term of 5 years and will
ini berjangka waktu 5 tahun yang akan jatuh mature on July 8, 2027. The interest rate is 6.50%
tempo pada tanggal 8 Juli 2027. Tingkat suku per annum and is paid quarterly from the issuance
bunga sebesar 6,50% per tahun dan dibayarkan date.
setiap tiga bulan sejak tanggal emisi.
- 83 -
Page 620
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dana yang diperoleh dari hasil Penawaran The funds obtained from the proceeds from the
Umum Berkelanjutan Obligasi Subordinasi Public Offering of the Sustainable Subordinated
Berkelanjutan I Bank Sinarmas Tahap I Tahun Bonds I of Bank Sinarmas Phase I Year 2022 after
2022 setelah dikurangi dengan biaya-biaya deducted by the related issuance costs, will all be
emisi terkait, seluruhnya akan dipergunakan used by the Company to strengthen it’s capital
oleh Perusahaan untuk memperkuat which is calculated as supplementary capital (Tier
permodalan yang diperhitungkan sebagai 2) in the context of support plans for extending
modal pelengkap (Tier 2) dalam rangka loans with longer tenors.
mendukung rencana penyaluran kredit dengan
tenor yang lebih panjang.
Pada Desember 2022, Perusahaan telah In December 2022, the Company has used all of
menggunakan seluruh dana hasil Penawaran the proceeds from the Public Offering of
Umum Berkelanjutan Obligasi Subordinasi I Subordinated Bonds I for long term lending.
untuk penyaluran kredit dengan tenor panjang.
PT BPD Jawa Barat dan Banten Tbk bertindak PT BPD Jawa Barat dan Banten Tbk act as the
sebagi Wali Amanat. Trustee.
Perusahaan wajib mengupayakan tingkat The Company is required to ensure that the
kesehatan Perusahaan minimal berada dalam minimum level of soundness of the Company has
peringkat komposit 3 (tiga) yang tergolong a composite rating of 3 (three) which is classified
"Cukup Baik", sesuai penilaian internal as "Fairly Good", according to internal assessment
berdasarkan ketentuan Otoritas Jasa based on the provisions of the Financial Services
Keuangan. Authority.
Berdasarkan Surat PT Kredit Rating Indonesia Based on PT Kredit Rating Indonesia Letter
No.RC-003/KRI-DIR/III/2023 tanggal 24 Maret No.RC-003/KRI-DIR//III/2023 dated March 24,
2023, Obligasi Subordinasi Berkelanjutan I 2023, Bank Sinarmas Subordinated Bonds I
Bank Sinarmas Tahap I Tahun 2022 Phase I Year 2022 received an irA+ (Single A
memperoleh peringkat irA+ (Single A Plus) Plus) rating for the period from March 24, 2023 to
untuk periode 24 Maret 2023 sampai dengan April 1, 2024.
1 April 2024.
24. Dana Syirkah Temporer 24. Temporary Syirkah Funds
Akun ini merupakan investasi tidak terikat dalam This account represents unrestricted investment
bentuk giro mudharabah, tabungan in the form of mudharabah demand deposit,
mudharabah, deposito berjangka mudharabah mudharabah saving deposits, mudharabah time
dan sertifikat investasi mudharabah antarbank. deposits and mudharabah interbank Investment
certificate.
a. Simpanan a. Deposits
2023 2022
Giro mudharabah 712.713 635.081 Mudharabah demand deposits
Tabungan mudharabah 1.922.081 1.160.087 Mudharabah saving deposits
Deposito berjangka mudharabah 4.368.757 4.521.841 Mudharabah time deposit
Jumlah 7.003.551 6.317.009 Total
- 84 -
Page 621
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Giro mudharabah terdiri atas: Mudharabah demand deposits consist of:
2023 2022
Rupiah Rupiah
Pihak berelasi (Catatan 35) 243.644 180.114 Related parties (Note 35)
Pihak ketiga 468.172 454.967 Third parties
Jumlah 711.816 635.081 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pihak berelasi (Catatan 35) 57 - Related parties (Note 35)
Pihak ketiga 840 - Third parties
Jumlah 897 - Subtotal
Jumlah 712.713 635.081 Total
2023 2022
% %
Tingkat nisbah per tahun Ratio level per annum
Rupiah 0,00 - 5,75 0,00 - 6,00 Rupiah
Mata uang asing 0,50 - 2,00 - Foreign currencies
Pada tanggal 31 Desember 2023 dan 2022, There were no Mudharabah demand
tidak ada saldo giro mudharabah yang deposits blocked as guarantee the sharia
diblokir dalam rangka jaminan piutang dan receivables and sharia financing as of
pembiayaan syariah. December 31, 2023 and 2022.
Tabungan mudharabah terdiri atas: Mudharabah saving deposits consist of:
2023 2022
Rupiah Rupiah
Pihak berelasi (Catatan 35) 24.961 288.776 Related parties (Note 35)
Pihak ketiga 1.895.553 871.311 Third parties
Jumlah 1.920.514 1.160.087 Subtotal
Mata uang asing (Catatan 37) Foreign currencies (Note 37)
Pihak ketiga 1.567 - Third parties
Jumlah 1.922.081 1.160.087 Total
2023 2022
% %
Tingkat nisbah per tahun Ratio level per annum
Rupiah 0,00 - 7,00 0,00 - 4,75 Rupiah
Mata uang asing 0,50 - Foreign currencies
Pada tanggal 31 Desember 2023 dan 2022, There were no mudharabah saving deposits
tidak ada saldo tabungan mudharabah yang blocked as guarantee the sharia receivables
diblokir dalam rangka jaminan piutang dan and sharia financing as of December 31,
pembiayaan syariah. 2023 and 2022.
- 85 -
Page 622
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Deposito berjangka mudharabah terdiri Mudharabah time deposits consist of:
atas:
2023 2022
Pihak berelasi (Catatan 35) Related Parties (Notes 35)
Rupiah 630.352 902.893 Rupiah
Mata uang asing (Catatan 37) - 1.946 Foreign currencies (Note 37)
Jumlah 630.352 904.839 Subtotal
Pihak ketiga Third Parties
Rupiah 3.736.177 2.873.982 Rupiah
Mata uang asing (Catatan 37) 2.228 743.020 Foreign currencies (Note 37)
Jumlah 3.738.405 3.617.002 Subtotal
Jumlah 4.368.757 4.521.841 Total
Klasifikasi deposito berjangka mudharabah The classification of mudharabah time
berdasarkan jangka waktu dan sisa umur deposits based on contract period and
saldo saat jatuh tempo adalah sebagai remaining period to maturity are as follows:
berikut:
Berdasarkan periode deposito berjangka: Based on contractual maturity:
2023 2022
Pihak berelasi Pihak berelasi
(Catatan 35)/ Pihak (Catatan 35)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 35) parties Total (Note 35) parties Total
Rupiah Rupiah
Kurang dari 1 bulan - 2.136 2.136 - 9.500 9.500 Less than 1 month
1 bulan 569.931 957.149 1.527.080 902.574 1.521.308 2.423.882 1 month
3 bulan 60.410 886.965 947.375 319 772.625 772.944 3 months
6 bulan - 1.696.032 1.696.032 - 450.338 450.338 6 months
12 bulan 11 193.895 193.906 - 120.211 120.211 12 months
Jumlah 630.352 3.736.177 4.366.529 902.893 2.873.982 3.776.875 Subtotal
Mata uang asing Foreign currencies
(Catatan 37) (Note 37)
1 bulan - 323 323 1.946 742.509 744.455 1 month
3 bulan - 339 339 - - - 3 months
6 bulan - 1.061 1.061 - - - 6 months
12 bulan - 505 505 - 511 511 12 months
Jumlah - 2.228 2.228 1.946 743.020 744.966 Subtotal
Jumlah 630.352 3.738.405 4.368.757 904.839 3.617.002 4.521.841 Total
Berdasarkan sisa umur sampai dengan saat Based on remaining period to maturity:
jatuh tempo:
2023 2022
Pihak berelasi Pihak berelasi
(Catatan 35)/ Pihak (Catatan 35)/ Pihak
Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/
(Note 35) parties Total (Note 35) parties Total
Rupiah Rupiah
1 bulan atau kurang 569.931 1.186.516 1.756.447 902.574 1.716.154 2.618.728 1 month or less
1 - 3 bulan 60.421 842.926 903.347 319 986.942 987.261 1 - 3 months
3 - 6 bulan - 1.571.592 1.571.592 - 76.135 76.135 3 - 6 months
6 - 12 bulan - 135.143 135.143 - 94.751 94.751 6 - 12 months
Jumlah 630.352 3.736.177 4.366.529 902.893 2.873.982 3.776.875 Subtotal
Mata uang asing Foreign currencies
(Catatan 37) (Note 37)
1 bulan atau kurang - 1.058 1.058 1.946 742.509 744.455 1 month or less
1 - 3 bulan - 665 665 - - - 1 - 3 months
3 - 6 bulan - 460 460 - 466 466 3 - 6 months
6 - 12 bulan - 45 45 - 45 45 6 - 12 months
Jumlah - 2.228 2.228 1.946 743.020 744.966 Subtotal
Jumlah 630.352 3.738.405 4.368.757 904.839 3.617.002 4.521.841 Total
- 86 -
Page 623
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023 2022
% %
Tingkat nisbah per tahun Ratio level per annum
Rupiah 1,00 - 6,75 1,00 - 6,00 Rupiah
Mata uang asing 0,50 - 2,75 1,15 - 2,30 Foreign currencies
Saldo deposito berjangka mudharabah yang Total mudharabah time deposits were
diblokir dalam rangka jaminan piutang dan blocked as guarantee sharia receivables and
pembiayaan syariah pada tanggal financing as of December 31, 2023 and 2022,
31 Desember 2023 dan 2022, masing- amounted to Rp25,093 and Rp22,893,
masing adalah sebesar Rp25.093 dan respectively.
Rp22.893.
b. Simpanan dari Bank Lain b. Deposits from Other Banks
2023 2022
Rupiah Rupiah
Pihak ketiga Third parties
Giro mudharabah 14.769 1.403 Mudharabah demand deposits
Deposito berjangka mudharabah 1.000 - Mudharabah time deposits
Sertifikat investasi mudharabah Certificate of sharia interbank
antarbank syariah - 200.000 mudharabah investment
Jumlah 15.769 201.403 Total
2023 2022
% %
Tingkat bagi hasil rata-rata per tahun Revenue sharing per annum
Rupiah 0,00 - 0,50 1,80 Rupiah
25. Modal Saham dan Tambahan Modal Disetor 25. Capital Stock and Additional Paid-in Capital
Susunan pemegang saham Perusahaan pada The details of the Company’s capital stock and
tanggal 31 Desember 2023 dan 2022 sebagai stockholders as of December 31, 2023 and 2022
berikut: are as follows:
2023
Jumlah Lembar Persentase Jumlah
Saham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-up
Pemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Sinar Mas Multiartha Tbk 11.826.853.600 59,99% 1.182.685 PT Sinar Mas Multiartha Tbk
PT Shinta Utama 577.504.296 2,93% 57.750 PT Shinta Utama
Halim, Direktur 612.146 0,00% 61 Halim, Director
Enny Kamal, Direktur 1.795.332 0,01% 180 Enny Kamal, Director
Masyarakat 7.309.397.029 37,07% 730.940 Public
Jumlah 19.716.162.403 100,00% 1.971.616 Total
2022
Jumlah Lembar Persentase Jumlah
Saham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-up
Pemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Sinar Mas Multiartha Tbk 11.826.853.600 59,99% 1.182.685 PT Sinar Mas Multiartha Tbk
PT Shinta Utama 610.844.074 3,10% 61.084 PT Shinta Utama
Halim, Direktur 612.146 0,00% 61 Halim, Director
Masyarakat 7.277.852.583 36,91% 727.786 Public
Jumlah 19.716.162.403 100,00% 1.971.616 Total
- 87 -
Page 624
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
PT Shinta Utama dan PT Sinar Mas Multiartha, PT Shinta Utama and PT Sinar Mas Multiartha,
Tbk telah menandatangani dan menyampaikan Tbk have signed and conveyed letters of
surat pernyataan kesanggupan untuk memenuhi statement on the recognition of the Company’s
persyaratan yang ditetapkan dalam liabilities as required in the Company’s
keikutsertaan Perusahaan dalam program participation in the Government guarantee
penjaminan Pemerintah. program.
Perubahan lembar saham untuk periode dan The changes in number of outstanding shares for
tahun yang berakhir 31 Desember 2023 dan the period and the year ended December 31,
2022, adalah sebagai berikut: 2023 and 2022, are as follows:
Jumlah
Saham/
Number of
shares issued
Jumlah saham pada tanggal 1 Januari 2022 Balance of shares as of January 1, 2022
dan 31 Desember 2022 19.716.162.403 and December 31, 2022
Penambahan modal disetor selama tahun berjalan - Additional issuance during the year
Jumlah saham pada tanggal 31 Desember 2023 19.716.162.403 Balance of shares as of December 31, 2023
Perubahan tambahan modal disetor sampai The movements in additional paid-in capital until
dengan tanggal 31 Desember 2023 dan 2022: December 31, 2023 and 2022 are as follows:
2023 2022
Penawaran Umum Perdana tahun 2010 80.000 80.000 Initial Public Offering in 2010
Biaya emisi saham tahun 2010 (4.678) (4.678) Shares issuance cost in 2010
Konversi Waran Seri I tahun 2011 89.918 89.918 Conversion of Series I Warrants in 2011
Konversi Waran Seri I tahun 2012 90 90 Conversion of Series I Warrants in 2012
Penawaran Umum Terbatas I tahun 2012 180.478 180.478 Limited Public Offering I in 2012
Biaya emisi saham tahun 2012 (3.776) (3.776) Shares issuance cost in 2012
Konversi Waran Seri I tahun 2013 371 371 Conversion of Series I Warrants in 2013
Konversi Waran Seri II tahun 2013 423.821 423.821 Conversion of Series II Warrants in 2013
Konversi Waran Seri I tahun 2014 935 935 Conversion of Series I Warrants in 2014
Konversi Waran Seri II tahun 2014 1.151 1.151 Conversion of Series II Warrants in 2014
Peningkatan modal tanpa Hak Additional issuance through right issue
Memesan Efek Terlebih without pre-emptive rights to the
Dahulu (HMETD) 152.411 152.411 existing shareholders
Biaya emisi saham tahun 2014 (227) (227) Shares issuance cost in 2014
Konversi Waran Seri I 4.397 4.397 Conversion of Series I Warrants
Konversi Waran Seri II 3.313 3.313 Conversion of Series II Warrants
Konversi Waran Seri II 1.576 1.576 Conversion of Series II Warrants
Penawaran Umum Terbatas II tahun 2016 326.782 326.782 Limited Public Offering I in 2016
Selisih antara aset dan liabiltas Difference between tax amnesty
pengampunan pajak 5.234 5.234 assets and liabilities
Biaya emisi saham tahun 2016 (5.285) (5.285) Shares issuance cost in 2016
Konversi Waran Seri II 19.264 19.264 Conversion of Series II Warrants
Konversi Waran Seri III 880 880 Conversion of Series III Warrants
Konversi Waran Seri III tahun 2019 840.000 840.000 Conversion of Series III Warrants in 2019
Konversi Waran Seri III tahun 2020 252.000 252.000 Conversion of Series III Warrants in 2020
Konversi Waran Seri III tahun 2022 1.183.539 1.183.539 Conversion of Series III Warrants in 2022
Jumlah 3.552.194 3.552.194 Total
- 88 -
Page 625
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Manajemen Permodalan Capital Management
Tujuan utama dari pengelolaan modal The primary objective of the Company’s capital
Perusahaan adalah untuk memastikan bahwa management is to ensure that it maintains the
Perusahaan mempertahankan rasio modal yang soundness of capital ratios in order to support its
sehat dalam rangka mendukung bisnis dan business and maximize shareholder value. The
memaksimalkan nilai pemegang saham. Company is required by OJK to meet Capital
Perusahaan wajib untuk memenuhi rasio Adequacy Ratio (CAR).
Kewajiban Penyediaan Modal Minimum (KPMM)
sebagaimana ditetapkan oleh OJK.
Manajemen menggunakan peraturan rasio Management uses regulatory capital ratios in order
permodalan untuk memantau rasio Kewajiban to monitor its capital base, and these Capital
Penyediaan Modal Minimum (KPMM), sesuai Adequacy Ratios (CAR) remain the industry
dengan standar industri. Peraturan OJK untuk standards for measuring capital adequacy. OJK
pengukuran modal tersebut terutama didasarkan regulation for such measurement is primarily based
kepada pemantauan kebutuhan modal yang on monitoring the capital requirement (measured
diwajibkan (diukur sebagai 10% dari aset as 10% of risk-weighted assets) to available capital
tertimbang menurut risiko) terhadap modal yang resources.
tersedia.
Perusahan telah memenuhi ketentuan OJK yang The Company has complied with OJK regulation
berlaku tentang KPMM. regarding CAR.
Perusahaan wajib memperhitungkan Risiko In the calculations of CAR, the Company has
Pasar karena telah memenuhi kriteria considered Market Risk using the standard method
sebagaimana diatur oleh OJK yang berlaku, as stipulated in OJK Regulation, since the
yaitu jumlah aset sebesar Rp10.000.000 atau Company has a total assets of more than
lebih. Perhitungan dilakukan menggunakan Rp10,000,000.
metode standar sesuai dengan Peraturan OJK.
Perhitungan rasio KPMM pada tanggal 31 The calculation of CAR as of December 31, 2023
Desember 2023 dan 2022 adalah sebagai and 2022 follows:
berikut:
2023 2022
I. Komponen Modal I. Capital Stock Component
A. Modal Inti 7.283.216 6.783.476 A. Core Capital
B. Modal Pelengkap 711.607 676.037 B. Supplementary Capital
II. Jumlah modal 7.994.823 7.459.513 II. Total Capital Stock
III. Aset Tertimbang Menurut Risiko (ATMR) III. Risk Weighted Assets
Risiko kredit setelah memperhitungkan Credit risk after considering
risiko spesifik 20.197.024 17.430.759 spesific risk
Risiko pasar 4.118.159 1.912.082 Market risk
Risiko operasional 7.237.461 5.952.534 Operational risk
Jumlah ATMR untuk risiko kredit, pasar Total risk weight assets for credit,
dan operasional 31.552.644 25.295.375 market and operational risk
IV. Rasio Kewajiban Penyediaan Modal IV. Capital Adequacy Ratio (CAR)
Minimum (KPMM) yang tersedia
KPMM dengan memperhitungkan
risiko kredit 39,58% 42,80% CAR with credit risk
KPMM dengan memperhitungkan
risiko kredit dan pasar 32,87% 38,56% CAR with credit and market risk
KPMM dengan memperhitungkan
risiko kredit dan operasional 29,14% 31,90% CAR with credit and operational risk
KPMM dengan memperhitungkan risiko CAR with credit, operational and
kredit dan operasional dan pasar 25,34% 29,49% market risk
V. Rasio Kewajiban Penyediaan Modal
Minimum yang diwajibkan berdasarkan V. Minimum Capital Adequacy Ratio
profil risiko 10% 10% based on the profile risk
- 89 -
Page 626
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
26. Waran 26. Warrants
Pada tanggal 27 April 2016, Perusahaan On April 27, 2016, the Company issued attached
menerbitkan Waran Seri III secara cuma-cuma 4,357,096,148, Series III Warrants, free of
sejumlah 4.357.096.148 waran yang melekat charge, to be issued in the Limited Public Offering
pada saham yang diterbitkan dalam rangka II. Each holder of one (1) new shares of the
Penawaran Umum Terbatas II. Setiap pemegang Company is entitled to four (4) warrants where
satu (1) saham baru Perusahaan berhak each one (1) warrant entitles the holder to
memperoleh empat (4) waran dimana setiap satu purchase one (1) new share of the Company at an
(1) waran memberikan hak kepada exercise price a Rp625 (in full Rupiah) per share
pemegangnya untuk membeli satu (1) saham and can be exercised from November 28, 2016
baru Perusahaan dengan harga pelaksanaannya until May 12, 2021.
sebesar Rp625 (dalam Rupiah penuh) dan dapat
dikonversi menjadi saham mulai tanggal 28
November 2016 sampai dengan 12 Mei 2021.
Tanggal masa laku Waran Seri III berakhir pada The validity period of the Series III Warrants
12 Mei 2021 dan sebanyak 21.031.543 Waran ended on May 12, 2021 and 21,031,543 Series III
Seri III tidak dikonversikan menjadi saham. Warrants were not converted into shares.
27. Pendapatan Bunga dan Pendapatan Syariah 27. Interest Revenue and Sharia Income
2023 2022
Pendapatan bunga Interest income
Rupiah Rupiah
Kredit yang diberikan 1.174.841 1.162.516 Loans
Efek-efek 1.041.086 936.036 Securities
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 158.097 140.839 and Bank Indonesia
Efek yang dibeli dengan Securities purchased under
janji jual kembali 39.962 131.909 agreements to resell
Giro pada bank lain 21.156 16.903 Demand deposits with other banks
Jumlah 2.435.142 2.388.203 Subtotal
Mata uang asing Foreign currencies
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 173.371 56.385 and Bank Indonesia
Kredit yang diberikan 137.995 64.636 Loans
Efek-efek 25.893 13.497 Securities
Giro pada bank lain 9.394 4.895 Demand deposits with other banks
Jumlah 346.653 139.413 Subtotal
Jumlah 2.781.795 2.527.616 Subtotal
Pendapatan syariah Sharia income
Rupiah Rupiah
Piutang dan pembiayaan syariah 555.063 685.184 Sharia receivables and sharia financing
Efek-efek 125.693 54.139 Securities
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 45.594 30.155 and Bank Indonesia
Jumlah 726.350 769.478 Subtotal
Mata uang asing Foreign currencies
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 6.967 963 and Bank Indonesia
Efek-efek 699 400 Securities
Jumlah 7.666 1.363 Subtotal
Jumlah 734.016 770.841 Subtotal
Jumlah 3.515.811 3.298.457 Total
- 90 -
Page 627
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
28. Beban Bunga dan Beban Syariah 28. Interest Expenses and Sharia Expenses
2023 2022
Beban bunga Interest expenses
Rupiah Rupiah
Deposito berjangka 269.162 249.888 Time deposits
Tabungan 117.592 102.058 Savings deposits
Giro 100.304 92.956 Demand deposits
Premi penjaminan Pemerintah 80.800 97.226 Premium on Government guarantee
Obligasi subordinasi 33.220 16.460 Subordinated bonds
Simpanan dari bank lain 7.210 579 Deposits from other banks
Efek yang dijual dengan janji dibeli Securities sold under agrements to
kembali 5.605 - repurchase
Jumlah 613.893 559.167 Subtotal
Mata uang asing Foreign currencies
Deposito berjangka 10.194 6.780 Time deposits
Giro 8.819 968 Demand deposits
Simpanan dari bank lain 17 8 Deposits from other banks
Jumlah 19.030 7.756 Subtotal
Jumlah 632.923 566.923 Total
Beban syariah Sharia expenses
Rupiah Rupiah
Deposito berjangka 184.268 141.690 Time deposits
Tabungan 40.817 20.770 Savings deposits
Premi penjaminan Pemerintah Premium on Government
(Catatan 44c) 16.625 16.266 guarantee (Note 44c)
Giro 16.032 18.223 Demand deposits
Simpanan dari bank lain 1.827 1.938 Deposits from other banks
Jumlah 259.569 198.887 Subtotal
Jumlah 892.492 765.810 Total
29. Beban Umum dan Administrasi 29. General and Administrative Expenses
2023 2022
Asuransi 387.092 388.496 Insurance
Umum 264.636 247.892 General
Perbaikan dan pemeliharaan 232.778 199.147 Repairs and maintenance
Komunikasi 98.976 107.053 Communications
Sewa gedung 42.540 42.301 Building rent
Transportasi 34.710 28.559 Transportation
Cetakan dan alat tulis 25.254 25.956 Printing and stationery
Promosi 27.097 38.686 Promotions
Listrik dan air 24.747 24.870 Electricity and water
Pendidikan dan pengembangan 24.222 15.838 Education and training
Imbalan kerja jangka panjang 16.301 - Long-term employee benefits
Perjalanan dinas 8.926 6.576 Travel
Jasa profesional 8.920 4.374 Professional fees
Jumlah 1.196.199 1.129.748 Total
- 91 -
Page 628
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
30. Beban Tenaga Kerja 30. Personnel Expenses
2023 2022
Gaji 602.138 531.801 Salaries
Tunjangan Hari Raya 49.730 43.800 Allowances for Hari Raya
Tunjangan lainnya 367.097 327.693 Other allowances
Jumlah 1.018.965 903.294 Total
31. Pendapatan Operasional Lainnya - Lain-lain 31. Other Operating Revenue - Others
2023 2022
Pendapatan dari klaim asuransi 213.666 18.830 Revenue from insurance claim
Pendapatan safe deposit box 7.651 7.450 Income from safe deposit box
Keuntungan penjualan aset tetap Gain on sale of property and
(Catatan 12) 694 443 equipment (Note 12)
Lain-lain 11.469 4.953 Others
Jumlah 233.480 31.676 Total
32. Beban Operasional Lainnya - Lain-lain 32. Other Operating Expenses - Others
2023 2022
Kerugian penurunan nilai aset lain-lain 37.344 67.649 Impairment loss on other assets
Kerugian dari tindakan kecurangan 6.695 152 Loss from fraud
Beban tanggung jawab sosial 6.100 4.399 Corporate social responsibility
Kerugian penjualan AYDA - bersih 1.167 2.631 Loss on sale of foreclosed assets - net
Hapus buku aset tetap Loss on the write-off of property
(Catatan 12) 129 - and equipment (Note 12)
Biaya charge dan denda - 15.689 Charge and penalty
Lain-lain 5.441 2.871 Others
Jumlah 56.876 93.391 Total
33. Pajak Penghasilan 33. Income Tax
a. Beban Pajak a. Tax Expense
Beban pajak terdiri dari: Tax expense consists of the following:
2023 2022
Pajak kini 78.960 182.184 Current tax
Pajak tangguhan (1.904) (126.133) Deferred tax
Penyesuaian tahun lalu (79.274) - Previous year adjustment
Jumlah (2.218) 56.051 Total
Penyesuaian tahun lalu merupakan The previous year adjustment is the
penyesuaian atas beban pajak 2022. adjustment to 2022 income tax.
- 92 -
Page 629
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Pajak Kini b. Current Tax
Rekonsiliasi antara laba sebelum pajak A reconcilliation between profit before tax per
menurut laporan laba rugi dan penghasilan statements of profit or loss and other
komprehensif lain dengan laba kena pajak comprehensive income and taxable income
adalah sebagai berikut: as follow:
2023 2022
Laba sebelum pajak menurut laporan Profit before tax per statements of
laba rugi dan penghasilan profit and loss and other
komprehensif lain 73.578 277.211 comprehensive income
Perbedaan temporer 394.888 663.857 Temporary difference
Perbedaan tetap (52.888) 17.794 Permanent difference
Jumlah 342.000 681.651 Total
Laba kena pajak 415.578 958.862 Taxable Income
Rincian beban dan utang pajak kini adalah Current tax expense and payable are
sebagai berikut: computed as follows:
2023 2022
Beban pajak kini 78.960 182.184 Current tax expense
Dikurangi pembayaran pajak dimuka
Pajak penghasilan pasal 25 56.283 52.420 Less prepaid income tax - Article 25
Utang pajak kini (Catatan 20) 22.677 129.764 Current tax payable (Note 20)
c. Pajak Tangguhan c. Deferred Tax
Rincian dari aset dan liabilitas pajak The details of the Company’s deferred tax
tangguhan Perusahaan adalah sebagai assets and liabilities are as follows:
berikut:
Dikreditkan (dibebankan) ke/
Credited (charged) to
Penghasilan
Komprehensif
1 Januari Lain/ 31 Desember
2023/ Other 2023/
January 1, Laba Rugi/ Comprehensive December 31,
2023 Profit or Loss Income 2023
Amortisasi diskonto instrumen Amortization of discount
keuangan (13) 537 - 524 of financial instrument
Imbalan kerja jangka panjang 6.866 (703) 567 6.730 Long-term employee benefit
Laba yang belum direalisasi atas
kenaikan nilai wajar dari efek-efek Unrealized gain of marketable securities
yang diukur melalui penghasilan on increase at fair value through other
komprehensif lain 13.022 - 15.211 28.233 comprehensive income
Depreciation of property and
Penyusutan aset tetap (114.976) 2.924 - (112.052) equipment
Aset hak-guna 3.770 (1.659) 2.111 Right-of-used assets
Cadangan kerugian penurunan Allowances for impairment
nilai aset 288.217 805 - 289.022 losses on earning assets
Jumlah aset pajak
tangguhan - bersih 196.886 1.904 15.778 214.568 Deferred tax assets - net
- 93 -
Page 630
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dikreditkan (dibebankan) ke/
Credited (charged) to
Penghasilan
Komprehensif
1 Januari Lain/ 31 Desember
2022/ Other 2022/
January 1, Laba Rugi/ Comprehensive December 31,
2022 Profit or Loss Income 2022
Amortisasi diskonto instrumen Amortization of discount
keuangan (6) (7) - (13) of financial instrument
Imbalan kerja jangka panjang 5.289 (35) 1.612 6.866 Long-term employee benefit
Laba yang belum direalisasi atas
kenaikan nilai wajar dari efek-efek Unrealized gain of marketable securities
yang diukur melalui penghasilan on increase at fair value through other
komprehensif lain 8.001 - 5.021 13.022 comprehensive income
Depreciation of property and
Penyusutan aset tetap (119.056) 4.080 - (114.976) equipment
Aset hak-guna 3.274 496 - 3.770 Right-of-used assets
Cadangan kerugian penurunan Allowances for impairment
nilai aset 166.618 121.599 - 288.217 losses on earning assets
Jumlah aset pajak
tangguhan - bersih 64.120 126.133 6.633 196.886 Deferred tax assets - net
Rekonsiliasi antara beban pajak dan hasil A reconciliation between the total tax
perkalian laba akuntansi sebelum pajak expense and the amounts computed by
dengan tarif pajak yang berlaku dalam applying the effective tax rates to profit before
laporan laba rugi dan penghasilan tax per statements of profit loss and other
komprehensif lain adalah sebagai berikut: comprehensive income follows:
2023 2022
Laba sebelum beban pajak menurut Profit before tax per statements
laporan laba rugi dan penghasilan of profit and loss and
komprehensif lain 73.578 277.211 other comprehensive income
Beban pajak penghasilan dengan tarif pajak
yang berlaku 13.980 52.670 Income tax expense at prevailing tax rate
Pengaruh pajak atas perbedaan tetap: Tax effects of permanent differences:
Natura - - Benefits-in-kind
Lain-lain (10.049) 3.381 Others
Jumlah - bersih (10.049) 3.381 Net
Koreksi atas beban pajak (6.149) - Adjustment on income tax
Jumlah beban pajak (2.218) 56.051 Total tax expense
Pada tanggal 7 Oktober 2021, Dewan On October 7, 2021, the House of
Perwakilan Rakyat Republik Indonesia Representatives of the Republic of Indonesia
mengesahkan Undang-Undang passed the Law on the Harmonization of Tax
Harmonisasi Peraturan Perpajakan, yang Regulations, which stipulates a corporate
antara lain menetapkan tarif pajak income tax rate of 22% for the fiscal year
penghasilan badan sebesar 22% untuk 2022 onwards, among others.
tahun pajak 2022 dan seterusnya.
Perusahaan sebagai wajib pajak The Company as a domestic public company
perusahaan publik dalam negeri dan tax payer which meeting certain requirements
memenuhi persyaratan tertentu of Government Regulation, can avail of
sebagaimana diatur berdasarkan Peraturan further 3% reduction from the tax rate as
Pemerintah, memperoleh tarif 3% lebih mentioned above, i.e. 19% for 2023 and 2022
rendah dari tarif pajak penghasilan badan fiscal years.
yang disebutkan di atas, yakni menjadi 19%
pada tahun pajak 2023 dan 2022.
Aset dan liabilitas pajak tangguhan The Company’s deferred tax assets and
Perusahaan tanggal 31 Desember 2023, liabilities as of December 31, 2023, have
telah dihitung menggunakan tarif pajak yang been calculated using the tax rates that are
diperkirakan berlaku pada saat realisasi. estimated to be valid at the time of realization.
- 94 -
Page 631
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
34. Laba per Saham Dasar 34. Earnings per Share
2023 2022
Laba bersih 75.796 221.160 Net income
Weighted average number of shares
Rata-rata tertimbang jumlah saham untuk outstanding for computation of basic
perhitungan laba per saham dasar 19.716.162.403 19.716.162.403 earnings per share
Laba bersih per saham Earnings per share
(dalam Rupiah penuh) (in full Rupiah)
Dasar 3,84 11,22 Basic
35. Sifat dan Transaksi Pihak Berelasi 35. Nature of Relationship and Transactions with
Related Parties
Sifat Pihak Berelasi Nature of Relationship
Selain karyawan kunci, pihak berelasi dengan Other than the key management personnel, the
Perusahaan adalah perusahaan-perusahaan related parties of the Company represent
yang berada dalam Grup Sinar Mas: companies under the Sinar Mas Group:
a. Pemegang saham (termasuk pemegang a. Stockholders (include ultimate stockholder).
saham akhir) Perusahaan. PT Sinarmas PT Sinarmas Multiartha Tbk and PT Shinta
Multiartha Tbk dan PT Shinta Utama. Utama.
b. Perusahaan-perusahaan yang dimiliki b. Companies owned by stockholders, either
secara langsung atau tidak langsung oleh directly or indirectly.
pemegang saham Perusahaan.
c. Perusahaan-perusahaan yang dikendalikan c. Companies controlled by close family
oleh anggota keluarga dekat pemegang members of stockholders and key
saham dan manajemen kunci Perusahaan. management personnel.
Transaksi Pihak Berelasi Transactions with of Related Parties
Dalam kegiatan usahanya, Perusahaan juga In the normal course of business, the Company
melakukan transaksi-transaksi tertentu dengan entered into certain transactions with related
pihak-pihak berelasi yang meliputi antara lain: parties involving the following:
a. Transaksi aset dan liabilitas dengan pihak a. Accounts involved in transactions with
berelasi adalah sebagai berikut: related parties are as follows:
2023 2022
Persentase Persentase
Terhadap Jumlah Terhadap Jumlah
Aset/Liabilitas/ Aset/Liabilitas/
Dana Syirkah Temporer Dana Syirkah Temporer
Percentage of Percentage of
Jumlah/ Total Assets/Liabilities/ Jumlah/ Total Assets/Liabilities/
Total Syirkah Temporary Funds Total Syirkah Temporary Funds
% %
Aset Assets
Efek-efek 1.140.803 2,17 515.194 1,09 Securities
Kredit 211.039 0,40 776.034 1,64 Loans
Pendapatan yang masih
akan diterima 212 0,00 471 0,00 Accrued income
Biaya dibayar dimuka 400 0,00 656 0,00 Prepaid expenses
Aset lain - lain 39.103 0,07 41.999 0,09 Other assets
Liabilitas Liabilities
Liabilities Immediately
Liabilitas segera 1.535 0,00 2.024 0,01 payable
Simpanan 5.918.217 15,66 3.882.425 11,57 Deposits
Beban yang masih
harus dibayar 1.802 0,00 720 0,00 Accrued expenses
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan 899.014 12,81 1.373.729 21,07 Deposits
- 95 -
Page 632
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Pada tanggal 31 Desember 2023 dan 2022, b. As of December 31, 2023 and 2022, loan
saldo kredit channeling masing-masing channeling amounted to Rp38,965 and
sebesar Rp38.965 dan Rp159.745 dan Rp159,745, respectively, and joint financing
saldo kredit joint financing masing-masing amounted to Rp 2,586,684 and
sebesar Rp 2.586.684 dan Rp2.761.696 Rp2,761,696, respectively, were disbursed
disalurkan melalui pihak berelasi (Catatan through related parties (Note 8).
8).
c. Pada tanggal 31 Desember 2023 dan 2022, c. As of December 31, 2023 and 2022, ijarah
saldo aset ijarah channeling masing-masing assets channeling amounted to Rp137,658
sebesar Rp137.658 dan Rp112.613 and Rp112,613, respectively, were
disalurkan melalui pihak berelasi. disbursed through related parties.
d. Pendapatan bunga dan pendapatan syariah d. Interest income and sharia income from
yang diterima dari pihak berelasi untuk related parties amounted to Rp6,870 and
tahun-tahun yang berakhir 31 Desember Rp25,421, or 0.23% and 0.95%,
2023 dan 2022 masing-masing sebesar respectively, of total interest income and
Rp6.870 dan Rp25.421, atau masing- sharia income for the years ended
masing 0,23% dan 0,95% dari jumlah December 31, 2023 and 2022, respectively.
pendapatan bunga dan pendapatan syariah.
e. Beban bunga dan beban syariah yang e. Interest expenses and sharia expenses paid
dibayar kepada pihak berelasi untuk tahun- to related parties amounted to Rp100,812
tahun yang berakhir 31 Desember 2023 dan and Rp61,491 or 11.30% and 8.03%,
2022 masing-masing sebesar Rp100.812 respectively of total interest expense and
dan Rp61.491, atau masing-masing 11,30% sharia expenses for the periods ended
dan 8,03%, dari jumlah beban bunga dan December 31, 2023 and 2022, respectively.
beban syariah.
f. Beban umum dan administrasi yang dibayar f. General and administrative expenses
kepada pihak berelasi untuk tahun-tahun incurred with related parties amounted to
yang berakhir 31 Desember 2023 dan 2022 Rp29,358 and Rp32,648 or 2.45% and
masing-masing sebesar Rp29.358 dan 2.89%, respectively, of total general and
Rp32.648 atau masing-masing 2,45% dan administrative expenses for the years ended
2,89% dari jumlah beban umum dan December 31, 2023 and 2022, respectively.
administrasi.
g. Perusahaan memberikan kompensasi g. The Company provides compensation to
kepada karyawan kunci. Imbalan yang the key management personnel. The
diberikan kepada direksi dan anggota renumeration of directors and other
manajemen kunci lainnya selama tahun members of key management during the
berjalan adalah sebagai berikut: year were as follows:
2023
Personil
Dewan manajemen
Komisaris/ kunci lainnya/
Direksi/ Board of Other Management
Directors Commissioners Personnel
% Rp % Rp % Rp
Gaji dan imbalan kerja Salaries and other short-term
jangka pendek 100,00 29.824 100,00 5.802 96,07 197.852 employee benefits
Imbalan pesangon - - - - 3,93 8.093 Termination benefits
Jumlah 100,00 29.824 100,00 5.802 100,00 205.945 Total
- 96 -
Page 633
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2022
Personil
Dewan manajemen
Komisaris/ kunci lainnya/
Direksi/ Board of Other Management
Directors Commissioners Personnel
% Rp % Rp % Rp
Gaji dan imbalan kerja Salaries and other short-term
jangka pendek 100,00 21.254 100,00 4.596 94,09 183.580 employee benefits
Imbalan pesangon - - - - 5,91 11.528 Termination benefits
Jumlah 100,00 21.254 100,00 4.596 100,00 195.108 Total
h. Pada tanggal 31 Desember 2023 dan 2022, h. As of December 31, 2023 and 2022, the total
saldo transaksi komitmen dan kontinjensi commitments and contingent transactions
(berupa letter of credit dan bank garansi) (which consist of letters of credit and bank
dengan pihak berelasi masing-masing guarantees) with related parties amounted
sebesar Rp116.355 dan Rp104.765 to Rp116,355 and Rp104,765, respectively
(Catatan 36). Saldo jaminan tunai dari pihak (Note 36). The outstanding margin deposits
berelasi sehubungan dengan transaksi from related parties relating to the letters of
letter of credit dan bank garansi pada credit and bank guarantees amounted to
tanggal 31 Desember 2023 dan 2022 Rp366,935 and Rp397,861 as of December
masing-masing sebesar Rp366.935 dan 31, 2023 and 2022, respectively.
Rp397.861.
i. Pada tanggal 31 Desember 2023 dan 2022, i. As of December 31, 2023 and 2022, all
aset tetap Perusahaan, kecuali tanah property and equipment, except for land, are
diasuransikan kepada PT Asuransi Sinar insured with PT Asuransi Sinar Mas with a
Mas dengan nilai pertanggungan total coverage amounted to Rp963,472 and
seluruhnya masing-masing sebesar Rp970,964, respectively (Note 12).
Rp963.472 dan Rp970.964 (Catatan 12).
j. Perusahaan menandatangani asuransi j. The Company signed credit insurance with
kredit dengan PT Asuransi Simas Insurtech, PT Asuransi Simas Insurtech, with benefits
dengan manfaat sampai dengan until November 15, 2025 (Note 11).
15 November 2025. (Catatan 11).
k. Pada tanggal 31 Desember 2023 dan 2022, k. As of December 31, 2023 and 2022, there
tidak terdapat anggota atau kelompok are no major members or groups of
pemegang saham utama yang juga sebagai shareholders who are also employees and
karyawan dan manajemen kunci lainnya. other key management.
36. Komitmen dan Kontinjensi 36. Commitments and Contingencies
a. Komitmen pembelian dan penjualan tunai a. Spot and forward purchases and sales of
mata uang asing foreign currencies
2023 2022
Pembelian tunai mata uang asing Spot and forward contracts
(spot, forward dan swap) to purchased of foreign currencies
Dollar Amerika Serikat 515.800 778.375 U.S.Dollar
Dollar Singapura 7.696 - Singapore Dollar
Yuan China - 6.704 Yuan China
Jumlah 523.496 785.079 Total
Penjualan tunai mata uang asing Spot and forward contracts
(spot, forward dan swap) to sell foreign currencies
Dollar Amerika Serikat 2.546.597 770.591 U.S.Dollar
Jumlah 2.546.597 770.591 Total
- 97 -
Page 634
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pada tanggal 31 Desember 2023, transaksi As of December 31, 2023, the above spot,
spot, forward, dan swap di atas akan selesai forward, and swap transactions are normally
masing-masing dalam 1 hari sampai 2 hari, settled in 1 day to 2 days, 1 days and 2 day
1 hari, dan 2 hari sampai 59 hari. to 59 days, respectively.
Pada tanggal 31 Desember 2022, transaksi As of December 31, 2022, the above spot
spot dan swap di atas akan selesai masing- and swap transactions are normally settled in
masing dalam 2 hari dan sampai 4 hari. 2 days, to 4 days, respectively.
b. Perusahaan memiliki tagihan dan liabilitas b. The Company has commitments and
komitmen dan kontinjensi dalam rangka contingent receivables and liabilities under
ekspor-impor, pemberian garansi dan export-import transaction, guarantees given,
pemberian kredit kepada debitur dengan and loans given to debtors as follows:
rincian sebagai berikut:
2023 2022
Komitmen Commitments
Liabilitas Komitmen Commitment Liabilities
Fasilitas kredit kepada debitur Unused loan commitments granted
yang belum digunakan 474.753 348.768 to debtors
Irrevocable letters of credit 103.015 65.041 Irrevocable letters of credit
Jumlah 577.768 413.809 Total
Kontinjensi Contingencies
Tagihan Kontinjensi Contingent Receivables
Pendapatan bunga dalam
penyelesaian 32.486 86.735 Past due interest revenues
Liabilitas Kontinjensi Contingent Liabilities
Bank garansi 924.115 1.344.633 Bank guarantees
Jumlah - bersih (891.629) (1.257.898) Net
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022,
saldo transaksi komitmen dan kontinjensi commitment and contingent transactions
berupa letters of credit dan bank garansi consisting of letters of credit and bank
dengan pihak berelasi masing-masing guarantees with related parties amounted to
sebesar Rp116.355 dan Rp104.765 Rp116,355 and Rp104,765, respectively
(Catatan 35). (Note 35).
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
jangka waktu untuk letter of credit masing- average terms of letters of credit are from 1
masing berkisar antara 1 - 5 bulan, dan 1 - 7 month until 5 months and 1 month until 7
bulan, sedangkan untuk bank garansi months, respectively, while for bank
masing-masing berkisar antara 1 - 60 bulan guarantees are from 1 month until 60 months
dan 1 - 60 bulan. and 1 month until 60 months, respectively.
Saldo Letter of Credit yang dijamin dengan Letters of credit outstanding secured by cash
jaminan tunai pada tanggal 31 Desember collateral as of December 31, 2023 and 2022
2023 dan 2022 masing-masing adalah amounted to Rp2,191 and Rp3,755,
sebesar Rp2.191 dan Rp3.755. respectively.
Saldo bank garansi yang dijamin dengan Bank guarantees secured by cash collateral
jaminan tunai pada tanggal 31 Desember as of December 31, 2023 and 2022
2023 dan 2022 masing-masing adalah amounted to Rp650,889 and Rp996,821,
sebesar Rp650.889 dan Rp996.821. respectively.
- 98 -
Page 635
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
37. Aset dan Liabilitas dalam Mata Uang Asing 37. Monetary Assets and Liabilities Denominated
in Foreign Currencies
a. Posisi aset dan liabilitas dalam mata uang a. The balances of monetary assets and
asing adalah sebagai berikut: liabilities denominated in foreign currencies
at balance sheet dates are as follows:
Ekuivalen Rp/
Equivalent Rp
2023 2022
Aset Assets
Kas USD 32.557 22.768 Cash
SGD 14.605 19.460
EUR 11.261 8.245
AUD 8.308 4.061
JPY 2.502 1.215
CNY 2.201 9.970
HKD 718 2.743
GBP 658 2.559
SAR 250 -
Demand deposits with Bank
Giro pada Bank Indonesia USD 420.348 201.479 Indonesia
Giro pada bank lain USD 2.354.998 1.275.426 Demand deposits with other banks
AUD 68.759 62.146
CNY 42.410 36.257
SGD 41.997 62.368
EUR 26.183 31.361
JPY 8.069 12.723
GBP 5.454 1.636
NZD 2.145 1.815
HKD 1.206 712
SAR 821 -
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain USD 4.613.389 2.062.974 and other banks
Efek-efek USD 810.309 522.272 Securities
EUR - 23.211
Kredit yang diberikan dan piutang/ Loan and receivables/
pembiayaan syariah USD 530.426 1.205.705 sharia financing
Tagihan akseptasi USD 50.073 46.384 Acceptances receivable
CNY - 2.922
Pendapatan yang masih akan diterima USD 8.960 10.335 Accrued income
EUR - 301
Aset lain-lain USD 6.179 10.504 Other assets
JPY 2.227 -
CNY - 6
Jumlah Aset 9.067.013 5.641.558 Total
Liabilitas Liabilities
Liabilitas segera USD 8.623 6.173 Liabilities immediately payable
SGD 349 346
EUR - 4
Simpanan USD 6.435.384 4.212.426 Deposits
SGD 63.770 82.802
AUD 74.867 61.915
EUR 45.696 66.734
CNY 41.685 45.604
JPY 6.598 5.211
NZD 81 56
GBP 1.163 411
SAR 869 -
Liabilitas akseptasi USD 50.082 46.412 Acceptances payable
CNY - 2.930
Estimasi kerugian komitmen Estimated losses on commitment
dan kontijensi USD 684 1.074 and contingencies
CNY - 1
Beban yang masih harus dibayar USD 2.146 243 Accrued expenses
Liabilitas lain-lain USD 6.203 11.872 Other liabilities
JPY - -
CNY - 293
SGD - 13
Jumlah Liabilitas 6.738.200 4.544.520 Total liabilities
- 99 -
Page 636
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Ekuivalen Rp/
Equivalent Rp
2023 2022
Dana Syirkah Temporer Temporary syirkah funds
Simpanan USD 4.692 744.966 Deposits
Jumlah Liabilitas dan Dana Total liabilities and temporary
Syirkah Temporer 6.742.892 5.289.486 syirkah funds
Aset - Bersih 2.324.122 352.072 Net - Assets
b. Posisi Devisa Neto (PDN) b. Net Open Position (NOP)
Berikut ini disajikan rincian posisi The Company’s net open position as
devisa neto Perusahaan sebagaimana submitted to Bank Indonesia follows:
disampaikan Perusahaan kepada Bank
Indonesia:
2023
Laporan Posisi Keuangan dan
Rekening Administratif/
Statements of Financial Position Bersih
and Administrative Account Absolut/
Aset/ Liabilitas/ Net
Mata Uang Assets Liabilities Absolute Currencies
Dolar Amerika Serikat 8.711.350 9.189.214 477.864 United States Dollar
Yen Jepang 10.305 6.598 3.707 Japanese Yen
Dolar Singapura 64.288 64.132 156 Singapore Dollar
Dolar Australia 77.037 74.868 2.169 Australian Dollar
Euro 61.678 43.684 17.994 Euro
Yuan China 44.600 41.685 2.915 China Yuan
Poundsterling Inggris 6.111 1.168 4.943 Great Britain Poundsterling
Dolar Hong Kong 1.924 - 1.924 Hong Kong Dollar
Riyal Saudi Arabian 1.071 869 202 Saudi Arabian Riyal
Dolar New Zealand 2.145 82 2.063 New Zealand Dollar
Jumlah 8.980.509 9.422.300 513.937 Total
2022
Laporan Posisi Keuangan dan
Rekening Administratif/
Statements of Financial Position Bersih
and Administrative Account Absolut/
Aset/ Liabilitas/ Net
Mata Uang Assets Liabilities Absolute Currencies
Dolar Amerika Serikat 5.755.472 5.785.193 29.721 United States Dollar
Dolar Singapura 81.814 83.162 1.348 Singapore Dollar
Euro 63.094 64.233 1.139 Euro
Yuan China 55.830 48.828 7.002 China Yuan
Dolar Australia 66.186 61.915 4.271 Australian Dollar
Yen Jepang 13.929 5.211 8.718 Japanese Yen
Poundsterling Inggris 4.195 411 3.784 Great Britain Poundsterling
Dolar Hong Kong 3.455 - 3.455 Hong Kong Dollar
Dolar New Zealand 1.815 57 1.758 New Zealand Dollar
Jumlah 6.045.790 6.049.010 61.196 Total
Posisi devisa neto pada tanggal Net open position as of December 31, 2023
31 Desember 2023 dan 2022 dihitung and 2022 is computed in accordance with the
berdasarkan Peraturan Bank Indonesia. Bank Indonesia Regulation. The NOP ratios
Rasio PDN Perusahaan pada tanggal submitted by the Company to Bank Indonesia
31 Desember 2023 dan 2022 yang as of December 31, 2023 and 2022 are
dilaporkan pada Bank Indonesia masing- 6.57% and 0.81%, respectively.
masing adalah sebesar 6,57% dan 0,81%.
- 100 -
Page 637
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
38. Pengukuran Nilai Wajar 38. Fair Value Measurement
Tabel berikut menyajikan pengukuran nilai wajar The following table presents the fair value
aset dan liabilitas (tidak termasuk akun syariah): measurement of assets and liabilities (excluding
sharia accounts):
2023
Pengukuran Nilai Wajar Menggunakan:/
Fair Value Measurement Using:
Input Signifikan
yang Tidak
Input Signifikan Dapat
Harga Kuotasian yang Dapat Diobservasi
Dalam Pasar Aktif/ Diobservasi (Level 3)/
(Level 1)/ (Level 2)/ Significant
Nilai Quoted Prices Significant Unobservable
Tercatat/ in Active MarketsObservable Inputs Inputs
Carrying Values (Level 1) (Level 2) (Level 3)
Aset yang diukur pada nilai wajar: Assets measured at fair value:
Aset keuangan yang diukur pada
nilai wajar melalui laba rugi Financial assets at FVPL
Efek-efek 2.334.543 2.334.543 - - Securities
Tagihan derivatif 27.502 27.502 - - Derivative receivables
Aset keuangan yang diukur pada
penghasilan komprehensif lain Financial assets at OCI
Efek-efek 12.135.957 12.135.957 - - Securities
Aset tetap yang dicatat pada nilai Property and equipment
revaluasi carried revalued amount
Tanah dan bangunan 637.234 - 652.750 - Land and buildings
Aset yang nilai wajarnya disajikan: Assets for which fair values are disclosed:
Diukur pada biaya perolehan
diamortisasi Measured at amortized cost
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 6.263.376 6.263.376 - - and other bank
Efek-efek 2.165.897 2.165.897 - - Securities
Kredit yang diberikan - bersih 10.954.956 - 10.954.956 - Loans - net
Tagihan akseptasi - bersih 78.304 - 78.304 - Acceptance receivable - net
Liabilitas yang diukur pada nilai wajar:
Liabilitas keuangan yang diukur pada Liabilities measured at fair value:
nilai wajar melalui laba rugi Financial liabilities at FVPL
Liabilitas derivatif 3.235 3.235 - - Derivative liabilities
Liabilitas yang nilai wajarnya disajikan:
Diukur pada biaya perolehan Liabilities for which fair values are disclosed:
diamortisasi: Measured at amortized cost
Obligasi subordinasi 500.000 460.245 - - Subordinated bonds
2022
Pengukuran Nilai Wajar Menggunakan:/
Fair Value Measurement Using:
Input Signifikan
yang Tidak
Input Signifikan Dapat
Harga Kuotasian yang Dapat Diobservasi
Dalam Pasar Aktif/ Diobservasi (Level 3)/
(Level 1)/ (Level 2)/ Significant
Nilai Quoted Prices Significant Unobservable
Tercatat/ in Active MarketsObservable Inputs Inputs
Carrying Values (Level 1) (Level 2) (Level 3)
Aset yang diukur pada nilai wajar: Assets measured at fair value:
Aset keuangan yang diukur pada
nilai wajar melalui laba rugi Financial assets at FVPL
Efek-efek 1.003.921 1.003.921 - - Securities
Aset keuangan yang diukur pada
penghasilan komprehensif lain Finansial assets at OCI
Efek-efek 12.781.874 12.781.874 - - Securities
Aset tetap yang dicatat pada nilai Property and equipment
revaluasi carried revalued amount
Tanah dan bangunan 576.760 - 621.883 - Land and buildings
Aset yang nilai wajarnya disajikan: Assets for which fair values are disclosed:
Diukur pada biaya perolehan
diamortisasi Measured at amortized cost
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 3.210.621 3.210.621 - - and other bank
Efek-efek 2.571.974 2.571.974 - - Securities
Kredit yang diberikan - bersih 10.943.270 - 10.943.270 - Loans - net
Tagihan akseptasi - bersih 77.389 - 77.389 - Acceptance receivable - net
Liabilitas yang diukur pada nilai wajar:
Liabilitas keuangan yang diukur pada Liabilities measured at fair value:
nilai wajar melalui laba rugi Financial liabilities at FVPL
Liabilitas derivatif 639 639 - - Derivative liabilities
Liabilitas yang nilai wajarnya disajikan:
Diukur pada biaya perolehan Liabilities for which fair values are disclosed:
diamortisasi Measured at amortized cost
Obligasi subordinasi 500.000 452.665 - - Subordinated bonds
- 101 -
Page 638
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Nilai wajar instrumen keuangan yang The fair value of financial instruments traded in
diperdagangkan di pasar aktif adalah active markets is based on quoted market prices
berdasarkan kuotasi harga pasar pada tanggal at the reporting date. A market is regarded as
pelaporan. Pasar dianggap aktif apabila kuotasi active if quoted prices are readily and regularly
harga tersedia sewaktu-waktu dan dapat available from an exchange, dealer, or broker,
diperoleh secara rutin dari bursa, pedagang efek, industry group pricing service, or regulatory
perantara efek, kelompok industri atau badan agency, and those prices represent actual and
penyedia jasa penentuan harga, atau badan regularly occurring market transaction on an
pengatur, dan harga tersebut mencerminkan arm’s lengths basis. The quoted market price
transaksi pasar yang aktual dan rutin dalam used for financial assets held by the Company is
suatu transaksi yang wajar. Kuotasi harga pasar the current bid price. These instruments are
yang digunakan untuk aset keuangan yang included in Level 1.
dimiliki oleh Perusahaan adalah harga
penawaran (bid price) terkini. Instrumen
keuangan seperti ini termasuk dalam hierarki
Level 1.
Nilai wajar instrumen keuangan yang tidak The fair value of financial instruments that are not
diperdagangkan di pasar aktif ditentukan traded in an active market is determined by using
menggunakan teknik penilaian. Teknik penilaian valuation techniques. These valuation techniques
ini memaksimalkan penggunaan data pasar maximize the use of observable market data
yang dapat diobservasi yang tersedia dan where it is available and rely as little as possible
sesedikit mungkin mengandalkan estimasi on entity’s specific estimates. If all significant
spesifik yang dibuat oleh entitas. Jika seluruh inputs required to fair value an instrument are
input signifikan yang dibutuhkan untuk observable, the instrument is included in Level 2.
menentukan nilai wajar dapat diobservasi, maka
instrumen tersebut termasuk dalam hierarki
Level 2.
Jika satu atau lebih input signifikan tidak diambil If one or more of the significant inputs is not based
dari data pasar yang dapat diobservasi, maka on observable market data, the instrument is
instrumen tersebut termasuk dalam hierarki included in Level 3.
Level 3.
Teknik penilaian spesifik yang digunakan untuk Specific valuation techniques used to value
menentukan nilai wajar instrumen keuangan financial instruments include:
termasuk:
• Kuotasi harga pasar atau kuotasi harga • Quoted market prices or dealer quotes for
penjual untuk instrumen sejenis; similar instruments;
• Nilai wajar swap suku bunga dihitung dari • The fair value of interest rate swaps is
nilai kini estimasi arus kas masa depan calculated as the present value of the
berdasarkan kurva hasil yang dapat estimated future cash flows based on
diobservasi; observable yield curves;
• Nilai wajar kontrak mata uang asing • The fair value of forward foreign exchange
berjangka ditentukan berdasarkan kurs contracts is determined using forward
tukar berjangka pada tanggal pelaporan; exchange rates at the reporting date; and
• Teknik penilaian lainnya, seperti analisa • Other techniques, such as discounted cash
arus kas diskonto, digunakan untuk flow analysis, are used to determine fair value
menentukan nilai wajar instrumen keuangan for the remaining financial instruments.
lainnya.
Nilai wajar tidak diungkapkan untuk instrumen The fair value of financial instruments are no
keuangan Perusahaan yang nilai tercatatnya longer disclosed when the carrying values
telah mendekati estimasi nilai wajarnya serta approximates the fair value and financial
instrumen keuangan yang nilai wajarnya tidak instruments with determinable fair value because
dapat diukur dengan andal karena tidak memiliki they have no quoted price in active market or do
kuotasi harga di pasar aktif atau tidak memiliki not have specific due date.
jatuh tempo yang pasti.
- 102 -
Page 639
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
39. Liabilitas Imbalan Kerja Jangka Panjang 39. Long-term Employee Benefits Liability
Untuk pendanaan imbalan kerja jangka panjang To fund these long-term employee benefits, the
tersebut, Perusahaan menyelenggarakan Company operates a defined benefit pension plan
program dana pensiun manfaat pasti untuk for all qualified permanent employees. The
seluruh karyawan tetap yang memenuhi syarat. benefits will be paid at the time the employee
Imbalan tersebut akan dibayarkan pada saat retires, is permanently disabled or is terminated.
karyawan pensiun, cacat tetap atau
diberhentikan.
Perusahaan telah menunjuk PT Asuransi Simas The Company has appointed PT Asuransi Simas
Jiwa untuk mengelola program pensiun tersebut Jiwa to manage the pension program through the
melalui Dana Pensiun Lembaga Keuangan Simas Jiwa Financial Institution Pension Fund,
Simas Jiwa, yang pendiriannya telah disahkan the establishment of which was approved
menurut Keputusan Dewan Komisioner Otoritas according to Decision of the Financial Services
Jasa Keuangan No. KEP-61/NB.1/2018 tanggal Authority Commissioner Board No. KEP-61/NB.1/
16 Oktober 2018 mengenai Pengesahan atas 2018 dated October 16, 2018 concerning
Peraturan Dana Pensiun dari Dana Pensiun Ratification of the Pension Fund Regulation from
Lembaga Keuangan (DPLK) Simas Jiwa. the Financial Institution Pension Fund (DPLK)
Simas Life.
Perhitungan aktuaria terakhir atas liabilitas The latest actuarial calculation of the long-term
imbalan kerja jangka panjang dilakukan oleh employee benefits liability is performed by PT
PT Ricky Leonard Jasatama, aktuaris Ricky Leonard Jasatama, an independent
independen, dengan laporan terakhir tertanggal actuary, with the latest report dated February 26,
26 Februari 2024. 2024.
Jumlah karyawan yang berhak atas imbalan Number of eligible employees (Company
kerja (iuran Perusahaan) jangka panjang contribution) is 4,666 and 4,446 for the period
tersebut masing-masing sebanyak 4.666 dan ended December 31, 2023 and 2022,
4.446 karyawan periode 31 Desember 2023 dan respectively.
2022.
Jumlah yang diakui dalam laporan laba rugi dan The liabilities amount included in the statement of
penghasilan komprehensif lain sehubungan financial position arising from the obligation in
dengan imbalan pasti adalah sebagai berikut: respect of its defined benefit plan is as follows:
2023 2022
Nilai kini kewajiban imbalan pasti 84.019 68.250 Present value of funded defined-benefit
Nilai wajar aset program (48.593) (32.109) Fair value of plan assets
Jumlah liabilitas imbalan kerja
jangka panjang 35.426 36.141 Total long-term employee benefits liability
Jumlah-jumlah yang diakui dalam Iaporan laba Amount recognized in the statement of profit or
rugi dan penghasilan komprehensif lain loss and other comprehensive income in respect
sehubungan dengan imbalan pasti adalah of this benefit plans are as follows:
sebagai berikut:
- 103 -
Page 640
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023 2022
Biaya jasa kini 12.232 9.394 Current service costs
Biaya jasa lalu (460) 1.807 Past service costs
Biaya bunga neto 4.529 3.832 Net interest expense
Penyesuaian aktuaria sebagai Actuarial adjustments as result of
dampak pemisahan karyawan - (7.608) separation of employees
Penyesuaian karena perubahan Adjustment due to change in attribution
metode atribusi - (7.608) method
Komponen biaya (pendapatan) imbalan Components of defined benefit costs
pasti yang diakui di laba rugi 16.301 (183) (income) recognized in profit or
Pengukuran kembali liabilitas imbalan pasti- Remeasurement on the defined benefit
kerugian aktuarial sebagai liability actuarial losses/(gains) as other
penghasilan komprehensif lain 2.984 8.484 comprehensive income
Jumlah 19.285 8.301 Total
Biaya dan pendapatan imbalan pasti untuk tahun The defined benefit income and costs for the year
yang berakhir 31 Desember 2023 dan 2022 ended December 31, 2023 and 2022, are
masing-masing sebesar Rp16.301 dan Rp183, Rp16,301 and Rp183, respectively, are presented
disajikan sebagai bagian dari “Beban umum dan as part of “General and administrative expenses”
administrasi” dan “Pendapatan operasional and “Other operating revenue – Others” (Notes 29
lainnya – Lain-lain” (Catatan 29 dan 31). and 31).
Mutasi liabilitas imbalan kerja jangka panjang Movements of long-term employee benefit
yang diakui di laporan posisi keuangan adalah obligations recognized in the statement of
sebagai berikut: financial position follows:
2023 2022
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
awal tahun 36.141 27.840 at beginning of the year
Beban (pendapatan) imbalan kerja Long-term employee benefits liability
jangka panjang tahun berjalan 16.301 (183) expense (income) during the year
Pembayaran selama tahun berjalan - - Payments made during the year
Kerugian komprehensif lain 2.984 8.484 Other comprehensive losses
Iuran Perusahaan (20.000) - Company contribution
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability
akhir tahun 35.426 36.141 reserve at end of the year
Mutasi nilai wajar aset program adalah sebagai Movement of fair value of plan assets as follow:
berikut:
2023 2022
Saldo awal tahun 32.109 42.180 Balance at the beginning of the year
Kontribusi pemberi kerja 20.000 - Contributions from the employer
Pembayaran Imbalan (6.480) (12.566) Benefits paid
Keuntungan
aktuaria-aset program 2.964 2.495 Actuarial gain-assets program
Saldo akhir tahun 48.593 32.109 Balance at the end of the year
Investasi aset program terdiversifikasi dengan Investments are well-diversified, such that the
baik, sehingga kegagalan salah satu investasi failure of any single investment would not have a
tidak memiliki dampak material terhadap material impact on the overall level of assets. The
keseluruhan aset program. Porsi terbesar aset largest proportion of assets is invested in equities,
investasi ditempatkan pada instrumen ekuitas, although the Company also invests in property,
meskipun Perusahaan juga berinvestasi pada bonds, hedge funds and cash.
properti, obligasi, instrumen lindung nilai dan
kas.
- 104 -
Page 641
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Perusahaan meyakini bahwa instrumen ekuitas The Company believes that equities instrument
memberikan imbal hasil yang paling baik dalam offer the best returns over the long term with an
jangka panjang pada tingkatan risiko yang dapat acceptable level of risk.
diterima.
Asumsi-asumsi aktuarial utama yang digunakan Principal actuarial assumptions used in the
dalam perhitungan imbalan kerja jangka valuation of the long-term employment benefits
panjang: are as follows:
2023 2022
Usia pensiun normal (tahun) 55 55 Normal retirement age (years)
Tingkat diskonto tahunan 6,79% 7,20% Annual discount rate
Tingkat kenaikan gaji tahunan 2,38% 2,38% Annual increase of salary rate
Tingkat perputaran karyawan: Employee turn over
sampai dengan usia 40 tahun 9% 9% up to the age of 40 years old
sampai dengan saat usia 55 tahun 0% 0% up to the age of 55 years old
Tabel mortalita TMI 4 TMI 4 Mortality rate table
Analisa sensitivitas dari perubahan asumsi- The sensitivities of the overall long-term
asumsi utama terhadap liabilitas imbalan kerja employee benefit liabilities to changes in the
jangka panjang adalah sebagai berikut: weighted principal assumptions are as follows:
2023
Kenaikan (Penurunan) Liabilitas Imbalan Pasti/
Long-term Employee Benefit Increase (Decrease)
Perubahan Kenaikan Penurunan
Asumsi/ Asumsi/ Asumsi/
Changes in Increase in Decrease in
Assumptions Assumptions Assumptions
Tingkat diskonto 1% (6.753) 7.696 Discount rate
Tingkat pertumbuhan gaji 1% 7.966 (7.090) Salary growth rate
2022
Kenaikan (Penurunan) Liabilitas Imbalan Pasti/
Long-term Employee Benefit Increase (Decrease)
Perubahan Kenaikan Penurunan
Asumsi/ Asumsi/ Asumsi/
Changes in Increase in Decrease in
Assumptions Assumptions Assumptions
Tingkat diskonto 1% (5.332) 6.066 Discount rate
Tingkat pertumbuhan gaji 1% 6.306 (5.619) Salary growth rate
40. Saldo Laba yang Ditentukan Penggunaannya 40. Appropriated Retained Earnings
Berdasarkan Rapat Umum Pemegang Saham In the General Meeting of Shareholders, which
yang didokumentasikan dalam Akta Berita Acara was stated in Deed of Minutes of Annual General
Rapat Umum Pemegang Saham Tahunan Meeting of Shareholders of PT Bank Sinarmas
PT Bank Sinarmas Tbk No. 133 tanggal 27 Juni Tbk. No.133 dated June 27, 2023 from Aulia
2023 dari Aulia Taufani, S.H., notaris di Jakarta, Taufani, S.H., notary in Jakarta, the shareholders
pemegang saham menyetujui untuk agreed to set aside retained earnings of Rp500 for
menyisihkan saldo laba sebesar Rp500 untuk general reserve.
cadangan umum.
Berdasarkan Rapat Umum Pemegang Saham In the General Meeting of Shareholders, which
yang didokumentasikan dalam Akta Berita Acara was stated in Deed of Minutes of Annual General
Rapat Umum Pemegang Saham Tahunan Meeting of Shareholders of PT Bank Sinarmas
PT Bank Sinarmas Tbk No.58 tanggal 14 Juni Tbk No.58 dated June 14, 2022 from Aulia
2022 dari Aulia Taufani, S.H., notaris di Jakarta, Taufani, S.H., notary in Jakarta, the shareholders
pemegang saham menyetujui untuk agreed to set aside retained earnings of Rp500 for
menyisihkan saldo laba sebesar Rp500 untuk general reserve.
cadangan umum.
- 105 -
Page 642
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pada tanggal 31 Desember 2023 dan 2022, As fo December 31, 2023 and 2022, outstanding
saldo laba yang ditentukan penggunaannya appropriated retained earnings for general
untuk cadangan umum adalah masing-masing reserve amounted to Rp9,500 and Rp9,000,
sebesar Rp9.500 dan Rp9.000. respectively.
41. Kontinjensi 41. Contingencies
Perusahaan menghadapi perkara hukum atau The Company is a party to certain lawsuits or
gugatan yang timbul dari kegiatan normal claims arising from their ordinary course of
usahanya. Manajemen Perusahaan bersama business. The Company’s management and legal
dengan penasehat hukum berpendapat bahwa counsels believe that the eventual liabilities under
liabilitas akhir atas perkara hukum atau gugatan these lawsuits or claims, if any, will not have a
tersebut, jika ada, tidak memiliki pengaruh yang material effect on the financial statements, thus,
material terhadap laporan keuangan. Oleh no provision has been made for these contingent
karena itu, tidak ada provisi yang dibentuk atas liabilities.
liabilitas kontinjensi tersebut.
42. Informasi Segmen 42. Segment Information
a. Segmen Usaha a. Operating Segments
Informasi segmen Perusahaan disajikan The Company’s segment information is
berdasarkan jenis kegiatan usahanya, yakni presented based on it’s business activities,
pemasaran dan kredit, treasury, dan ekspor- namely marketing and credit, treasury, and
impor. Kegiatan usaha tersebut menjadi trade finance. These business activities are
dasar pelaporan informasi segmen primer the basis of Company’s operating segment
Perusahaan, sebagai berikut: information, which follows:
Laporan laba rugi dan penghasilan Statement of profit or loss and
komprehensif lain: comprehensive income:
2023
Bank Umum/ Unit Usaha Syariah/
Commercial Bank Sharia Business Unit
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Pendapatan Revenues
Pendapatan bunga dan Interest revenues and
pendapatan syariah 1.312.836 1.468.252 707 555.063 178.953 3.515.811 sharia income
Pendapatan operasional lainnya 218.206 110.239 2.796 41.626 - 372.867 Other operating revenues
Jumlah Pendapatan 1.531.042 1.578.491 3.503 596.689 178.953 3.888.678 Total Revenues
Beban Expenses
Interest expenses and
Beban bunga dan beban syariah 586.871 46.052 - 257.742 1.827 892.492 sharia expenses
Beban operasional lainnya 644.884 234.098 1.738 126.929 - 1.007.649 Other operating expenses
Jumlah Beban 1.231.755 280.150 1.738 384.671 1.827 1.900.141 Total Expenses
Pendapatan segmen - bersih 1.988.537 Segment revenues - net
Pendapatan yang tidak dapat
dialokasikan 553.198 Unallocated revenues
Beban yang tidak dapat dialokasikan (2.468.157) Unallocated expenses
Laba sebelum pajak 73.578 Income before tax
Beban pajak 2.218 Tax expense
Laba bersih 75.796 Net Income
- 106 -
Page 643
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2022
Bank Umum/ Unit Usaha Syariah/
Commercial Bank Sharia Business Unit
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Pendapatan Revenues
Pendapatan bunga dan Interest revenues and
pendapatan syariah 1.227.153 1.299.990 473 685.184 85.657 3.298.457 sharia income
Pendapatan operasional lainnya 272.760 70.607 5.600 100.207 200 449.374 Other operating revenues
Jumlah Pendapatan 1.499.913 1.370.597 6.073 785.391 85.857 3.747.831 Total Revenues
Beban Expenses
Interest expenses and
Beban bunga dan beban syariah 549.876 17.047 - 196.949 1.938 765.810 sharia expenses
Beban operasional lainnya 387.905 2.479 1.794 367.311 - 759.489 Other operating expenses
Jumlah Beban 937.781 19.526 1.794 564.260 1.938 1.525.299 Total Expenses
Pendapatan segmen - bersih 2.222.532 Segment revenues - net
Pendapatan yang tidak dapat
dialokasikan 310.810 Unallocated revenues
Beban yang tidak dapat dialokasikan 2.256.131 Unallocated expenses
Laba sebelum pajak 277.211 Income before tax
Beban pajak (56.051) Tax expense
Laba bersih 221.160 Net Income
Laporan posisi keuangan: Statement of financial position:
2023
Bank Umum/ Unit Usaha Syariah/
Commercial Bank Sharia Business Unit
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Aset Assets
Aset segmen 11.805.803 32.998.868 78.339 4.660.759 363.474 49.907.243 Segment assets
Aset yang tidak dapat
dialokasikan 2.727.753 Unallocated assets
Jumlah Aset 52.634.996 Total Assets
Liabilitas Liabilities
Liabilitas segmen 35.317.113 1.559.673 222.635 312.464 1 37.411.886 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 377.022 Unallocated liabilities
Dana Syirkah Temporer 7.019.320 - 7.019.320 Temporary Syirkah Funds
Jumlah Liabilitas dan Dana Total Liabilities and Temporary
Syirkah Temporer 44.808.228 Syirkah Funds
2022
Bank Umum/ Unit Usaha Syariah/
Commercial Bank Sharia Business Unit
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Aset Assets
Aset segmen 12.218.554 25.114.299 77.389 2.868.126 4.447.258 44.725.626 Segment assets
Aset yang tidak dapat
dialokasikan 2.624.975 Unallocated assets
Jumlah Aset 47.350.601 Total Assets
Liabilitas Liabilities
Liabilitas segmen 32.273.953 512.948 82.062 281.594 1 33.150.558 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 396.623 Unallocated liabilities
Dana Syirkah Temporer 6.518.412 - 6.518.412 Temporary Syirkah Funds
Jumlah Liabilitas dan Dana Total Liabilities and Temporary
Syirkah Temporer 40.065.593 Syirkah Funds
- 107 -
Page 644
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
b. Segmen Geografis b. Geographical Segments
Pendapatan bunga dan pendapatan syariah Interest revenues and sharia income based
berdasarkan wilayah geografis adalah on geographical segments are as follows:
sebagai berikut:
2023 2022
DKI Jakarta 2.980.661 2.819.843 Jakarta - Capital City
Pulau Jawa (diluar Jakarta) 222.872 212.305 Java island (excluding Jakarta)
Pulau Sumatera 165.784 142.800 Sumatera island
Pulau Sulawesi dan Maluku 59.936 41.907 Sulawesi and Maluku islands
Pulau Kalimantan 46.404 52.791 Kalimantan island
Pulau Bali dan Lombok 40.154 28.811 Bali and Lombok islands
Jumlah 3.515.811 3.298.457 Total
Nilai tercatat aset segmen dan tambahan The carrying values of segment assets and
atas aset tetap berdasarkan wilayah additions to property and equipment
geografis atau lokasi aset tersebut adalah classified based on geographical region or
sebagai berikut: location of the assets are as follows:
Nilai Tercatat Aset Segmen/ Penambahan Aset Tetap/
Carrying Values of Segment Assets Additions to Property and Equipment
2023 2022 2023 2022
DKI Jakarta 45.297.676 39.374.687 156.712 114.372 Jakarta - Capital City
Pulau Jawa Java island
(diluar Jakarta) 1.877.378 2.345.827 6.960 3.025 (excluding Jakarta)
Pulau Sumatera 1.437.252 1.551.948 1.760 1.330 Sumatera island
Pulau Sulawesi dan Maluku 525.739 615.476 423 283 Sulawesi and Maluku islands
Pulau Kalimantan 406.887 447.824 355 511 Kalimantan Island
Pulau Bali dan Lombok 362.262 389.820 350 344 Bali and Lombok islands
Pulau Papua 49 44 129 81 Papua island
Jumlah 49.907.243 44.725.626 166.689 119.946 Total
43. Tujuan dan Kebijakan Manajemen Risiko 43. Financial Risk Management Objectives and
Keuangan Policies
Perusahaan menyadari bahwa situasi The Company realizes that the Company’s
lingkungan eksternal dan internal Perusahaan external and internal environment has developed,
telah mengalami perkembangan yang diikuti followed by the increasingly complex risks of
dengan semakin kompleksnya risiko kegiatan Banking business activities and the increasing
usaha Perbankan dan meningkatnya kebutuhan need for good corporate governance practices. In
akan praktek tata kelola yang sehat (Good response to these conditions, the Company has
Corporate Governance). Sebagai tanggapan implemented an adequate risk management
terhadap kondisi tersebut, Perusahaan telah framework referring to the pillars and provisions
mengimplementasikan kerangka menajemen contained in the rules and regulations of the
risiko yang memadai mengacu pada pilar-pilar authorities which are adjusted to the objectives,
dan ketentuan yang tercantum dalam peraturan policies, size and complexity of the business as
dan ketentuan otoritas yang disesuaikan dengan well as the Company's capabilities, which include:
tujuan, kebijakan, ukuran dan kompleksitas
usaha serta kemampuan Perusahaan, yang
meliputi:
a. Pengawasan Aktif dari Dewan Komisaris a. Active Oversight from the Board of
dan Direksi; Commissioners and Directors;
b. Kecukupan kebijakan, prosedur, dan b. Adequacy of policies, procedures, and
penetapan limit; determination of limits;
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
c. Kecukupan proses identifikasi, pengukuran, c. Adequacy of the identification, measurement,
pengawasan, dan pengendalian risiko, serta supervision and risk control processes, as
sistem informasi manajemen risiko; well as the risk management information
system;
d. Sistem pengendalian internal. d. Internal control system.
Kerangka tersebut digunakan Perusahaan This framework is used by the Company as an
sebagai bagian integral dari menetapkan integral part of establishing strategy,
strategi, struktur organisasi, kebijakan dan organizational structure, policies and guidelines
pedoman serta memperkuat infrastruktur as well as strengthening risk management
manajemen risiko guna mempertahankan tingkat infrastructure to maintain the soundness of the
kesehatan bank dan memastikan bahwa semua bank and ensure that all risks faced can be
risiko yang dihadapi dapat diidentifikasi, diukur, properly identified, measured, controlled,
dikendalikan, dimitigasi dan dilaporkan dengan mitigated and reported as well as the business
baik serta aktivitas usaha yang dilakukan activities conducted by the Company do not
Perusahaan tidak menimbulkan kerugian yang cause losses that exceed the Company's
melebihi kemampuan Perusahaan atau dapat capabilities or may interfere with the Company's
mengganggu kelangsungan usaha Perusahaan. business continuity.
Penerapan manajemen risiko dilakukan secara Risk management is carried out on a consolidated
konsolidasi baik dari sisi konvensional dan Unit basis, both from the conventional and Sharia
Usaha Syariah (UUS), antara lain terkait Business Unit (UUS) aspects, including related to
pengelolaan risiko atas produk-produk dana deposits products, credit and financing portfolios,
pihak ketiga, portofolio kredit dan pembiayaan, liquidity management, and operational activities.
pengelolaan likuiditas, dan aktivitas operasional.
Perusahaan telah menerapkan konsep 3 (tiga) The Company has implemented the concept of 3
Lapis Model (three lines model), membagi (three) lines of model, dividing the functions within
fungsi-fungsi di dalam organisasi yang terlibat di the organization involved in risk management into
dalam manajemen risiko menjadi tiga kelompok, three groups, namely risk owner, risk overseer,
yaitu Pemilik risiko (risk owner), pengawas risiko and independent assurance provider. In addition,
(risk overseer), dan penyedia pemastian the organization can also involve external parties
independen. Di samping itu, organisasi dapat as an additional layer.
pula melibatkan pihak eksternal sebagai lapis
tambahan.
Lapis pertama adalah pemilik risiko yang The first layer is the risk owner who is responsible
bertanggung jawab mengelola risiko, dan for managing risk, and implementing internal
menerapkan pengendalian internal dalam controls in daily work, as well as taking corrective
pekerjaan sehari-hari, serta melakukan tindakan actions in overcoming weaknesses in processes
korektif dalam mengatasi kelemahan pada and controls. The second layer is a function or
proses dan pengendalian. Lapis kedua adalah organizational unit that helps build, monitor the
fungsi atau unit organisasi yang membantu first layer of controls, and ensure that the first
membangun, memantau pengendalian lapis layer carries out its responsibilities adequately.
pertama, dan memastikan lapis pertama This function is carried out by the risk
melakukan tanggung jawabnya dengan management group, the compliance group and
memadai. Fungsi ini dilakukan oleh satuan kerja quality assurance. The third layer is internal audit,
manajemen risiko (risk management group), which independently ensures the implementation
satuan kerja kepatuhan (compliance group), dan of the first and second layers of governance, risk
penjaminan mutu (quality assurance). Lapis management and internal control. Additional
ketiga adalah audit internal yang memastikan layers are carried out by external auditors and
secara independen pelaksanaan dari lapis regulators who provide additional information on
pertama dan lapis kedua terhadap tata kelola, the implementation of bank risk management to
manajemen risiko, dan pengendalian internal. stakeholders.
Untuk lapis tambahan dilakukan oleh auditor
eksternal dan regulator yang memberikan
tambahan informasi penerapan manajemen
risiko bank kepada para pemangku kepentingan.
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dalam rangka pelaksanaan proses dan sistem In order to implement an effective Risk
Manajemen Risiko yang efektif, maka Management process and system, the Company
Perusahaan sebagaimana yang diamanatkan as mandated in the Regulatory Provisions
dalam Ketentuan Regulator mengenai concerning the Implementation of Commercial
Penerapan Manajemen Risiko Bank Umum telah Bank Risk Management has established a Risk
membentuk Komite Manajemen Risiko dimana Management Committee where the membership
keanggotaan Komite Manajemen Risiko terdiri of the Risk Management Committee consists of
dari Mayoritas Direksi dan Pejabat Eksekutif the majority of the Board of Directors and Bank
Bank. Komite Manajemen Risiko dibentuk Executive Officers. The Risk Management
dengan tugas antara lain penyusunan kebijakan, Committee was formed with the tasks of, among
strategis, dan pedoman penerapan Manajemen others, formulating policies, strategies, and
Risiko, serta perbaikan atau penyempurnaan guidelines for the implementation of Risk
pelaksanaan Manajemen Risiko berdasarkan Management, as well as improving or perfecting
hasil evaluasi pelaksanaan Manajemen Risiko. the implementation of Risk Management based
on the results of the evaluation of the
implementation of Risk Management.
Selanjutnya Perusahaan juga telah membentuk Furthermore, the Company has also established
Risk Management Group (RMG) yang a Risk Management Group (RMG) which is
bertanggung independen terhadap Satuan Kerja independent of the Operational Work Unit (risk
Operasional (risk taking unit) dan terhadap taking unit) and the work unit that carries out the
satuan kerja yang melaksanakan fungsi internal control function, and in carrying out its
pengendalian intern, dan dalam pelaksanaan duties is directly responsible to the Director of
tugasnya bertanggung jawab langsung kepada Risk Management and Compliance. The
Direktur Manajemen Risiko dan Kepatuhan. establishment of the Risk Management Group
Pembentukan Risk Management Group telah has been adjusted to the needs and complexity of
disesuaikan dengan kebutuhan dan the company's business. The duties and
kompleksitas bisnis perusahaan. Adapun tugas responsibilities of the Risk Management Group
dan tanggung jawab Risk Management Group (Risk Management Work Unit) includes, among
(Satuan Kerja Manajemen Risiko) antara lain others:
mencakup:
a. Memberikan masukan kepada Direksi a. Provide input to the Board of Directors in the
dalam penyusunan kebijakan, strategi, dan development of policies, strategies and risk
kerangka manajemen risiko; management framework;
b. Menyusun dan mengembangkan prosedur b. Develop procedures and tools for the
dan alat untuk identifikasi, pengukuran, identification, measurement, monitoring, and
pemantauan, dan pengendalian risiko; controlling of risks;
c. Mendesain dan menerapkan perangkat c. Design and implement the necessary tools to
yang dibutuhkan dalam melakukan identify, measure, monitor, and control risks
identifikasi, pengukuran, pemantauan, dan and information systems;
pengendalian risiko serta sistem informasi;
d. Memantau implementasi kebijakan, strategi, d. Monitor the implementation of policies,
dan kerangka manajemen risiko yang strategies and risk management framework
direkomendasikan oleh Komite Manajemen recommended by the Risk Management
Risiko dan yang telah disetujui oleh Direksi; Committee and approved by the Board of
Directors;
e. Memantau posisi/eksposur risiko secara e. Monitor overall risk position/exposure, or one
keseluruhan, maupun per risiko termasuk by one, including monitoring of compliance
pemantauan kepatuhan terhadap toleransi with risk tolerance and limits set;
risiko dan limit yang ditetapkan;
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
f. Melakukan stress testing guna mengetahui f. Perform stress testing to determine the
dampak dari implementasi kebijakan dan impact of the implementation of policies and
strategi manajemen risiko terhadap strategies of risk management of the portfolio
portofolio atau kinerja Perusahaan secara or overall performance of the Company;
keseluruhan;
g. Mengkaji usulan aktivitas dan/atau produk g. Evaluate the proposed activity and/or a new
baru yang dikembangkan oleh suatu unit product developed by a particular unit of the
tertentu Perusahaan. Pengkajian Company. The assessment focused primarily
difokuskan terutama pada aspek on aspects of the Company’s ability to
kemampuan Perusahaan untuk mengelola manage activities and/or new product
aktivitas dan/atau produk baru termasuk including the complete system and the
kelengkapan sistem dan prosedur yang procedures used and their impact on the
digunakan serta dampaknya terhadap overall risk exposure of the Company;
eksposur risiko Perusahaan secara
keseluruhan;
h. Memberikan rekomendasi kepada satuan h. Provide recommendations to the working unit
kerja bisnis dan/atau kepada Komite of business and/or to the Risk Management
Manajemen Risiko terkait penerapan Committee related to the implementation of
manajemen risiko antara lain mengenai risk management, regarding the amount or
besaran atau maksimum eksposur risiko maximum risk exposure of the Company to
yang dapat dipelihara Perusahaan; be maintained;
i. Mengevaluasi akurasi dan validitas data i. Evaluate the accuracy and validity of data
yang digunakan oleh Perusahaan untuk used by the Company to measure risks for
mengukur risiko bagi Perusahaan yang the Company that using models for internal
menggunakan model untuk keperluan purposes;
intern;
j. Menyusun dan menyampaikan laporan j. Prepare and submit the risk profile report to
profil risiko kepada Direktur Utama, Direktur the President Director, Director of Risk
Manajemen Risiko, dan Komite Manajemen Management, and Risk Management
Risiko secara berkala atau paling kurang Committee on a regular basis or at least on a
secara triwulanan. Frekuensi laporan harus quarterly basis. The frequency of reporting
ditingkatkan apabila kondisi pasar berubah should be increased if market conditions
dengan cepat; change rapidly;
k. Melaksanakan kaji ulang secara berkala k. Conduct periodic review with a frequency
dengan frekuensi yang disesuaikan tailored to the needs of the Company’s need
kebutuhan Perusahaan, untuk memastikan: to ensure:
1. Kecukupan kerangka manajemen 1. Adequacy of the risk management
risiko; framework;
2. Keakuratan metodologi penilaian risiko; 2. The accuracy of the risk assessment
dan methodology; and
3. Kecukupan sistem informasi 3. Adequacy of the risk management
manajemen risiko. information system.
l. Menyusun dan menyampaikan rencana dan l. Prepare and submit plans and realization of
realisasi rencana kerja Komite Manajemen the work plan of the Risk Management
Risiko Perusahaan sebagai panduan dalam Committee of PT Bank Sinarmas, Tbk as a
menjalankan tugas dan tanggung jawab guide in carrying out the duties and
komite untuk disetujui oleh Direksi dan/atau responsibilities of the committee to be
Komite Manajemen Risiko; approved by the Board of Directors and/or
Risk Management Committee;
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
m. Menyusun dan menyampaikan Pedoman m. Prepare and submit the Guidelines and Work
dan Tata Tertib Kerja Komite Manajemen Rules of the Company's Risk Management
Risiko Perusahaan dalam rangka Committee in order to strengthen the
penguatan penerapan tata kelola dan implementation of governance and risk
manajemen risiko dengan mengacu pada management by referring to the provisions of
ketentuan Regulator dan ketentuan Internal the Regulator and Internal provisions
mengenai Penerapan Tata Kelola dan regarding the Implementation of Governance
Penerapan Manajemen Risiko untuk and the Implementation of Risk Management
disetujui oleh Direksi dan/atau Komite to be approved by the Board of Directors
Manajemen Risiko. and/or the Risk Management Committee.
Sehubungan dengan Pandemi Covid-19 yang In connection with the Covid-19 Pandemic
berakhir sesuai keputusan (Keppres) Nomor 17 which ended according to Presidential Decree
Tahun 2023, namun proyeksi perekonomian Number 17 of 2023, but the economic
belum sepenuhnya membaik, masih terdapat projection has not fully improved, there is still
potensi kenaikan risiko kredit dan risiko potential for an increase in credit risk and
operasional pada aktivitas bisnis industri operational risk in banking industry business
perbankan. Dengan adanya POJK Nomor activities. On POJK Number 17/POJK.03/
17/POJK.03/2021 tentang Perubahan Kedua 2021 concerning the Second Amendment to
atas POJK Nomor 11/POJK.03/2020 tentang POJK Number 11/POJK.03/2020 concerning
Stimulus Perekonomian Nasional Sebagai National Economic Stimulus as a
Kebijakan Countercyclical Dampak Penyebaran Countercyclical Policy for the Impact of the
Coronavirus Disease 2019, POJK No.19 Tahun Spread of Coronavirus Disease 2019, POJK
2022 tentang Perlakuan Khusus Untuk Lembaga No.19 of 2022 concerning Special Treatment
Jasa Keuangan Pada Daerah Dan Sektor for Financial Service Institutions in Certain
Tertentu Di Indonesia yang Terkena Dampak Regions and Sectors in Indonesia Affected by
Bencana dan Keputusan Dewan Komisioner Disasters. Financial Services Authority (OJK)
Otoritas Jasa Keuangan (OJK) Board of Commissioners Decree No.034/
No.034/KDK.03/2022 tentang penetapan sektor KDK.03/2022 concerning the determination of
penyediaan akomodasi dan penyediaan makan the accommodation and the providing of food
minum, sektor tekstil dan produk tekstil serta and drink sector, the textile sector and textile
alas kaki, segmen usaha mikro, kecil, dan products and footwear, the micro, small and
menengah, serta Provinsi Bali sebagai sektor medium enterprises segment, and Bali
dan daerah yang memerlukan perlakuan khusus Province as sectors and regions that require
terhadap kredit atau pembiayaan bank, dimana special treatment for bank credit or financing,
Perusahaan dapat melakukan restrukturisasi where the Company may do Covid
Covid untuk debitur yang usahanya terkena restructuring for debtors whose businesses
dampak Covid-19 sebagai langkah antisipatif are affected by Covid-19 as an anticipatory
dan lanjutan untuk mendorong optimalisasi and follow-up measure to encourage
kinerja perbankan, menjaga stabilitas sistem optimization of banking performance, maintain
keuangan, dan mendukung pertumbuhan financial system stability, and support
ekonomi dengan tetap menerapkan prinsip economic growth while still applying prudential
kehati-hatian dan menghindari terjadinya moral principles and avoiding moral hazard.
hazard.
Oleh karena itu selama Tahun 2023, perusahaan Therefore, during 2023, the company will
secara berkesinambungan akan dan/atau telah continuously and/or has made several efforts
melakukan beberapa upaya dalam in improving the credit process and credit
penyempurnaan proses kredit dan monitoring monitoring to minimize credit risk at the end of
kredit untuk meminimalkan risiko kredit di masa the pandemic. The Company has made
akhir pandemi. Di antara upaya yang telah several efforts, including:
dilakukan Perusahaan antara lain:
• Melakukan pengkinian Kebijakan/Standar • Updating Policies/Standar Operating
Operating Procedure (SOP), Surat Edaran Procedure (SOP), Circular Letter, Circular
(SE), Surat Keputusan (SK) untuk Letter to improve the credit process end-
menyempurnakan proses kredit secara end to end adjusted to changes in business
to end disesuaikan dengan perubahan factors or strategies, risk exposure, risk
faktor atau stratejik bisnis, eksposur risiko, profile and applicable regulatory
profil risiko dan ketentuan regulator yang provisions;
berlaku;
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
• Mengoptimalkan peningkatan kredit sesuai • Optimize credit increase according to the
Rencana Bisnis Perusahaan dengan Company’s Business Plan by channeling
penyaluran kredit yang dilakukan secara credit in a prudent manner and applying
prudent dan menerapkan prinsip kehati- the principle of prudence to debtors by
hatian kepada debitur dengan considering sectors that are still potential
mempertimbangkan sektor yang masih during the Covid-19 Pandemic and which
potensial dimasa Pandemi Covid-19 dan still have business prospects, fixed asset
yang masih memiliki prospek usaha, agunan collateral and/or credit guarantee
asset tetap dan/atau skema penjaminan schemes through guarantee institutions to
kredit melalui lembaga penjaminan untuk minimize credit risk;
meminimalkan risiko kredit;
• Melakukan peningkatan frekuensi dan • Increase the frequency and quality of
kualitas pemantauan kredit, meningkatkan credit monitoring, increasing the
efektifitas dan efisiensi penagihan kredit effectiveness and efficiency of collecting
bermasalah, serta memantau kondisi usaha non-performing loans, and monitor the
debitur melalui indikator Early Warning; debtor’s business condition through Early
Warning indicators;
• Memantau pemenuhan dokumen covenant • Monitor the fulfillment of the credit
kredit sesuai yang disyaratkan pada covenant documents as required in the
Offering Letter dan segera ditindaklanjuti Offering Letter and immediately follow up
apabila terjadi penyimpangan; if there is a deviation;
• Memantau progress penyelesaian nasabah • Monitor the progress of settlement of Non-
Non Performing Loan dengan upaya Performing Loan customers through
restrukturisasi dan memantau ketepatan restructuring efforts and monitoring the
pembayaran setelah restrukturisasi accuracy of payments after the
dilakukan, penagihan yang intensif (lisan restructuring is carried out, intensive
atau tertulis), dilakukan lelang/agunan yang billing (oral or written), conducting
diambil alih (AYDA), hapus buku, dan auctions/foreclosed assets, write-off, and
mengoptimalisasi pemulihan kredit optimizing the recovery of non-performing
bermasalah; loans;
• Optimalisasi penanganan penyelesaian • Optimization the handling of non-
kredit bermasalah dan eksekusi Hak performing loan settlements and
Tanggungan melalui kerjasama dengan execution of Mortgage Rights through
pengacara dan balai lelang swasta serta collaboration with lawyers and private
melakukan optimalisasi terhadap proses auction houses as well as optimization the
penagihan, restrukturisasi, pengawasan billing process, restructuring, monitoring
progress penagihan baik pada akun hapus the progress of billing both on write off
buku, NPL, dan AYDA, serta melakukan account, NPL, and foreclosed assets, as
kerjasama jasa penagihan melalui pihak well as cooperating in collection services
ketiga; through third parties;
• Secara bertahap dan berkesinambungan, • Gradually and continuously, the Company
Perusahaan berupaya mengurangi seeks to reduce core debtor exposure,
eksposur debitur inti, melakukan diversify its portfolio thoroughly and
diversifikasi portofolio secara menyeluruh evenly in the economic sector owned by
dan merata pada sektor ekonomi yang the Company and increase the provision
dimiliki Perusahaan dan meningkatkan of funds in economic sectors that have not
penyediaan dana pada sektor ekonomi yang exceeded their risk appetite and/or risk
belum melampaui risk appetite dan/atau risk tolerance;
tolerance;
• Secara bertahap Perusahaan berupaya • Gradually the Company seeks to increase
meningkatkan pembentukan CKPN untuk the formation of allowance for non
NPL mencapai 100% untuk memitigasi performing loan to reach 100% to mitigate
potensi risiko kerugian yang diakibatkan the potential risk of loss caused by non-
kredit bermasalah akibat penurunan performing loans due to a decrease in the
kemampuan bayar debitur atau gagal bayar; debtor's ability to pay or default;
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
• Secara berkesinambungan melakukan • Continuously restructuring debtors
restrukturisasi atas debitur yang terkena affected by Covid-19 with reference to
dampak Covid-19 dengan mengacu pada POJK Number 48/POJK.03/2020
POJK Nomor 48/POJK.03/2020 tentang concerning Amendments to POJK
Perubahan atas POJK Nomor Number 11/POJK.03/2020 and POJK
11/POJK.03/2020 dan POJK Nomor Number 17/POJK.03/2021 concerning
17/POJK.03/2021 tentang Perubahan Second Amendments to POJK Number
Kedua atas POJK Nomor 11/POJK.03/2020 11/POJK.03/2020 concerning National
tentang Stimulus Perekononomian Nasional Economic Stimulus as a Countercyclical
sebagai Kebijakan Countercyclical Dampak Policy for the Impact of the Spread of
Penyebaran Coronavirus Disease 2019 dan Coronavirus Disease 2019 and
ketentuan Regulator yang diterbitkan Regulatory provisions issued through
melalui Keputusan Dewan Komisioner OJK OJK Board of Commissioners Decree
No.034/Keputusan Dewan Komisioner No.034/OJK Board of Commissioners
OJK.03/2022 tentang penetapan sektor Decree.03/2022 concerning the
penyediaan akomodasi dan penyediaan determination of the accommodation and
makan minum, sektor tekstil dan produk the providing of food and drink sector, the
tekstil serta alas kaki, segmen usaha mikro, textile sector and textile products and
kecil, dan menengah, serta Provinsi Bali footwear, the micro, small and medium
sebagai sektor dan daerah yang enterprises segment, and Bali Province
memerlukan perlakuan khusus terhadap as sectors and regions that require special
kredit atau pembiayaan bank, yang treatment for bank credit or financing,
menyatakan bahwa Bank perlu memiliki which states that the Bank needs to have
pedoman dalam pemberian perlakukan guidelines in providing special treatment
khusus bagi Kredit/Pembiayaan yang for Loans/Financing affected by
terdampak Coronavirus Disease 2019; Coronavirus Disease 2019;
• Melakukan monitoring terhadap Penyediaan • Periodically monitor the Provision of
Dana kepada Pihak Terkait dan Pihak Tidak Funds to Related Parties and Non-
Terkait sebagaimana yang diatur dalam Related Parties as stipulated in the OJK
ketentuan OJK tentang Batas Maksimum provisions on the Maximum Legal
Pemberian Kredit (BMPK) Bank Umum yang Lending Limit (LLL) for Commercial
dilakukan secara periodik; Banks;
• Melakukan perhitungan Rasio Pembiayaan • Calculate the Macroprudential Inclusive
Inklusif Makroprudensial untuk Financing Ratio for Conventional and
Konvensional dan UUS sesuai yang diatur UUS as stipulated in Regulation Number
pada Peraturan Nomor 24/3/PBI/2022 24/3/PBI/2022 concerning the
Tentang Rasio Pembiayaan Inklusif Macroprudential Inclusive Financing Ratio
Makroprudensial (RPIM) Bagi Bank Umum (RPIM) for Conventional Commercial
Konvensional, Bank Umum Syariah, dan Banks, Sharia Commercial Banks, and
Unit Usaha Syariah; Sharia Business Units;
• Melakukan pemantauan Risk Appetite & • Monitor Risk Appetite & Risk Tolerance
Risk Tolerance untuk rasio NPL Bank, NPL for the Bank's NPL ratio, NPL per
per Segmentasi, Sektor Ekonomi, Debitur Segmentation, Economic Sector, Core
Inti, CKPN untuk NPL, Rasio Pembiayaan Debtors, Allowance for Impairment
Inklusif Makroprudensial (RPIM) dan Losses for NPLs, Macroprudential
memantau limit sektor ekonomi surat Inclusive Financing Ratio (RPIM) and
berharga, BMPK pihak terkait dan selain monitoring limits for the economic sector
pihak terkait; of securities, LLL for related parties and
non-related parties;
• Melakukan uji ketahanan (stress test) yang • Conduct stress tests that aim to measure
bertujuan untuk mengukur potensi the potential impact of Non-Performing
terjadinya Non-Performing Loan yang Loans that potentially lead for additional
berpotensi terjadi penambahan allowance for impairment assets
pembentukan CKPN, dan menguji provision, and test the ability of capital
kemampuan ketahanan modal dalam resilience to cover potential losses.
menutup potensi terjadinya kerugian.
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Page 651
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dari sisi operasional, Perusahaan melakukan From an operational perspective, the
beberapa upaya untuk meminimalkan risiko Company makes several efforts to minimize
operasional yang berasal dari sumber-sumber operational risk from risk sources, including:
risiko antara lain:
• Proses Internal: Melakukan kaji ulang • • Internal Process: Conduct periodic
berkala terhadap kebijakan, prosedur, reviews of policies, procedures, carry out
melakukan proses risk assurance terhadap risk assurance processes for the
aktivitas operasional Perusahaan, Company's operational activities, provide
memberikan rekomendasi perbaikan serta recommendations for improvement and
monitoring terhadap implementasinya, serta monitoring of its implementation, as well
melakukan tindak lanjut atas hasil audit as follow up on the results of
internal/eksternal. internal/external audit.
•
• Sistem dan Teknologi: Penerapan proses • • System and Technology: The
manajemen risiko dalam penggunaan implementation of risk management
Teknologi Informasi telah dilaksanakan processes in the use of Information
secara memadai dalam hal pengelolaan Technology has been carried out
pengamanan informasi, pengamanan adequately in terms of managing
terhadap data Perusahaan, dan uji coba information security, securing the
terhadap pengembangan sistem aplikasi. Company’s data, and testing the
development of application systems.
•
• Manusia: Perusahaan memastikan • • Humans: The Company ensures the
kecukupan kuantitas SDM yang diperlukan adequacy of the required quantity of
dan secara berkala berupaya meningkatkan human resources and periodically seeks
kualitas sumber daya manusia melalui to improve the quality of human resources
pelatihan, sosialisasi, refreshment risk/fraud through online training, socialization,
awareness serta Deklarasi Anti Fraud dan refreshment risk/fraud awareness as well
Pakta Integritas yang dilakukan secara as the online Anti-Fraud Declaration and
online. Integrity Pact.
• Faktor eksternal: Perusahaan melakukan • • External factors: The Company has
pengkinian pedoman bagi pengelolaan updated guidelines for comprehensive
kelangsungan usaha yang komprehensif business continuity management with the
dengan tujuan untuk mengantisipasi risiko aim of anticipating operational risks that
operational yang mungkin terjadi dari situasi may occur from emergency/critical
darurat/kritikal karena bencana alam seperti situations due to natural disasters such as
banjir, gempa bumi dan faktor lainnya floods, earthquakes and other factors
seperti kebakaran, gangguan sistem melalui such as fires, system disturbances
Business Continuity Management (BCM) through Business Continuity
dan Disaster Recovery Center (DRC). Management (BCM) and Disaster
Recovery Center (DRC).
Selama Triwulan IV – Desember 2023, seluruh During the Fourth Quarter – December 2023, all
aktivitas operasional Perusahaan terkendali dan of the Company's operational activities were
berjalan dengan baik. Perusahaan semakin under control and running well. The Company has
memperkuat permodalan tercermin dengan further strengthened its capital as reflected in the
jumlah modal sebesar Rp7.994.823 dan KPMM total capital amounting to Rp7,994,823 and CAR
sebesar 25,34% pada tanggal 31 Desember of 25.34% as of December 31, 2023.
2023.
Perusahaan melakukan pengelolaan terhadap The Company manages 8 (eight) risks as follows:
8 (delapan) jenis risiko, yang antara lain sebagai
berikut:
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Page 652
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Risiko Kredit Credit Risk
Risiko kredit adalah risiko yang terjadi akibat Credit risk is the risk that occurs as a result of
kegagalan pihak lawan (counterparty) memenuhi failure of the counterparty to meet its obligations,
liabilitasnya, yang timbul dari aktivitas fungsional which arise from the Company's functional
Perusahaan seperti perkreditan (penyediaan activities such as credit (provision of funds),
dana), treasury, investasi dan pembiayaan treasury, investment and trade finance.
perdagangan (trade finance).
Dalam mengelola risiko kredit, Perusahaan In managing credit risk, the Company sets a limit
menetapkan limit agar eksposur kredit sesuai so that credit exposure is in accordance with the
dengan appetite yang telah ditentukan. predetermined appetite. Limit provisions are
Ketentuan limit dibedakan antar setiap distinguished between each segmentation,
segmentasi yaitu Corporate 1, Corporate 2, namely Corporate 1, Corporate 2,
Channeling/Joint Financing, Lembaga Channeling/Joint Financing, Financial Institutions,
Keuangan, Mikro, Usaha Kecil dan Menengah Micro, Small and Medium Enterprise (SME),
(SME), Komersial, Konsumsi, yang berlaku Commercial, Consumer, which apply to both
untuk konvensional maupun syariah. conventional and sharia.
Divisi Risk Management (Satuan Kerja The Risk Management division seeks to
Manajemen Risiko) berupaya secara bertahap gradually refine the methodology for effective
menyempurnakan metodologi identifikasi, identification, measurement, monitoring and
pengukuran, pemantauan dan pelaporan reporting of risk information, and periodically
informasi risiko yang efektif, dan mengkaji reviews the existing risk management framework
secara berkala kerangka manajemen risiko yang to minimize the various business risks it faces.
ada untuk meminimalisasi berbagai risiko usaha
yang dihadapi.
Perusahaan secara berkesinambungan telah The Company has continuously and/or will make
dan/atau akan melakukan perbaikan dan improvements in the credit process, including:
penyempurnaan dalam proses kredit antara lain:
• Menetapkan dan melakukan pemantauan • Establish and monitoring the Risk Appetite
Risk Appetite dan Risk Tolerance untuk and Risk Tolerance for Bank’s Net and
rasio NPL Net dan Gross Bank, NPL per Gross NPL ratios, NPLs per Segmentation,
Segmentasi, Sektor Ekonomi, Debitur Inti, Economic Sector, Core Debtors, CKPN for
CKPN untuk NPL, Rasio Pembiayaan NPLs, Macroprudential Inclusive Financing
Inklusif Makroprudensial (RPIM); Ratio (RPIM);
• Optimalisasi fungsi Early Warning oleh • Optimizing the Early Warning function by
Credit Management Group (Corporate & Credit Management Group (Corporate &
Commercial) dan Credit Management Commercial) dan Credit Management Group
Group (MSME & Consumer) untuk (MSME & Consumer) to detect early
mendeteksi dini kinerja, prospek dan performance, prospects and debtor’s ability
kemampuan membayar debitur untuk to pay in order to minimize the risk of default
meminimalkan risiko gagal bayar dan/atau and/or decrease in collectibility which has an
penurunan kolektibilitas yang berdampak impact on the addition of allowance of
pada penambahan pembentukan cadangan impairment asset provision;
kerugian penurunan nilai (CKPN);
• Peningkatan fungsi Credit Administration • Improvement of the Credit Administration and
and Control (CAC) dalam memastikan dan Control (CAC) function in ensuring and
memperkuat fungsi Monitoring atas strengthening the Monitoring function on fulfill
pemenuhan kepatuhan terhadap covenant compliance of covenant and document
dan kelengkapan dokumen; completeness;
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Page 653
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
• OJK sebagai regulator telah mengeluarkan • OJK as the regulator has issued a POJK
kebijakan POJK Nomor 17/POJK.03/2021 Policy Number 17/POJK.03/2021 concerning
tentang Perubahan Kedua atas POJK the Second Amendment to POJK Number
Nomor 11/POJK.03/2020 tentang Stimulus 11/POJK.03/2020 concerning National
Perekonomian Nasional Sebagai Kebijakan Economic Stimulus as a Countercyclical
Countercyclical Dampak Penyebaran Policy for the Impact of the Spread of
Coronavirus Disease 2019, POJK No.19 Coronavirus Disease 2019, POJK No.19 of
Tahun 2022 tentang Perlakuan Khusus 2022 concerning Special Treatment for
Untuk Lembaga Jasa Keuangan Pada Financial Service Institutions in Certain
Daerah Dan Sektor Tertentu Di Indonesia Regions and Sectors in Indonesia Affected
yang Terkena Dampak Bencana dan by Disasters and OJK Board of
Keputusan Dewan Komisioner OJK Commissioners Decree No.034/OJK Board
No.034/KDK.03/2022 tentang penetapan of Commissioners Decree.03/2022
sektor penyediaan akomodasi dan concerning the determination of the
penyediaan makan minum, sektor tekstil accommodation and the providing of food
dan produk tekstil serta alas kaki, segmen and drink sector, the textile sector and textile
usaha mikro, kecil, dan menengah, serta products and footwear, the micro, small and
Provinsi Bali sebagai sektor dan daerah medium enterprises segment, and Bali
yang memerlukan perlakuan khusus Province as sectors and regions that require
terhadap kredit atau pembiayaan bank. special treatment for bank credit or financing.
Perusahaan telah menindaklanjuti terbitnya The Company has followed up on the
POJK tersebut dengan membuat maupun issuance of the POJK by making or adjusting
menyesuaikan ketentuan perkreditan yang credit provisions that support efforts to
mendukung upaya perbaikan kualitas improve the quality of the credit portfolio
portofolio kredit di masa pandemi, during the pandemic, including by issuing
diantaranya dengan mengeluarkan Standar Standar Operating Procedure (SOP) for
Operating Procedure (SOP) Penanganan Handling Credit/Financing affected by the
Kredit/Pembiayaan yang terdampak spread of the Covid-19 Virus;
penyebaran Virus Covid-19;
• Melakukan pengkinian kebijakan, Standard • Updating policies, Standard of Procedure
of Procedure (SOP), Surat Edaran (SE), (SOP), circular letter a decision letter to
Surat Keputusan (SK) untuk improve the end-to-end credit process
menyempurnakan proses kredit secara end adjusted to changes in business factors or
to end disesuaikan dengan perubahan strategies, risk exposure, risk profile and
faktor atau stratejik bisnis, eksposur risiko, applicable regulatory provisions;
profil risiko dan ketentuan regulator yang
berlaku;
• Memantau pemenuhan dokumen covenant • Monitor the fulfillment of credit covenant
kredit sesuai yang disyaratkan pada documents as required in the Offering Letter
Offering Letter dan segera ditindaklanjuti and immediately follow up if there are
apabila terdapat covenant yang tidak dapat covenants that cannot be fulfilled and ensure
dipenuhi dan memastikan mitigasi atas that the mitigation of covenant deviations is
penyimpangan covenant telah memadai adequate and prudent in order to minimize
dan prudent guna meminimalkan risiko yang the risks that will be faced by the Company;
akan dihadapi oleh Perusahaan;
• Memantau progress penyelesaian debitur • Monitor the progress of settlement of troubled
bermasalah dan melakukan penagihan debtors and carry out intensive billing,
yang intensif, lelang/agunan yang diambil auction/foreclosed asset, and marketing of
alih (AYDA), dan pemasaran jaminan collateral through digital and non-digital
melalui media digital dan non digital serta media as well as write-offs;
hapus buku;
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Page 654
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
• Secara bertahap melakukan pengurangan • Gradually reduce exposure to credit
eksposur konsentrasi kredit kepada debitur concentration to core debtors in order to meet
inti guna memenuhi Risk Appetite dan Risk the Risk Appetite and Risk Tolerance that
Tolerance yang sudah ditentukan oleh have been determined by the Company;
Perusahaan;
• Pembentukan CKPN secara bulanan • Provision of allowance of impairment asset
berdasarkan metode PSAK No. 71 dan on a monthly basis based on SFAS No. 71
secara bertahap melakukan penambahan Method and gradually adding allowance of
pembentukan CKPN agar memadai sesuai impairment asset provision in order to
dengan Risk Appetite dan Risk Tolerance adequately follow with the Company's Risk
Perusahaan agar siap menghadapi Appetite and Risk Tolerance so that it is
kemungkinan risiko kredit yang akan terjadi; ready to face possible credit risks that will
occur;
• Melakukan stress testing guna mengetahui • Perform stress testing to determine the
dampak penurunan kolekbilitas debitur impact of reducing the collectibility of troubled
bermasalah terhadap NPL, penambahan debtors on NPL, increasing the provision of
pembentukan CKPN, modal dan CAR allowance of impairment asset, capital and
Perusahaan; CAR of the Company;
• Melakukan penyusunan profil risiko • Perform the preparation of the Company’s
Perusahaan yang dilaporkan secara risk profile which is reported quarterly and
triwulanan dan semesteran. Laporan profil semi-annually. This risk profile report
risiko ini menggambarkan risiko yang describes the risks inherent in bank business
melekat dalam kegiatan bisnis bank activities (inherent risk) including the quality
(inherent risk) termasuk kualitas penerapan of risk management implementation for each
manajemen risiko untuk masing-masing type of risk; and
jenis risiko; dan
• Melakukan pemantauan dan pelaporan • Monitor and report LLL (violations,
BMPK (pelanggaran, pelampauan dan exceedances and provision of funds to
penyediaan dana kepada Pihak Terkait) Related Parties) every month.
setiap bulan.
Risiko kredit dikelola melalui penetapan Credit risk is managed through the establishment
kebijakan-kebijakan dan proses-proses yang of policies and processes covering criteria for
meliputi kriteria pemberian kredit dan granting credit and credit approval, pricing,
persetujuan kredit, penetapan harga, monitoring, managing non-performing loans and
pemantauan, pengelolaan kredit bermasalah portfolio management.
dan manajemen portofolio.
Perusahaan telah memiliki kebijakan dan The Company has written policies and guidelines
pedoman tertulis terkait dengan kegiatan on its lending activities in order to manage, among
perkreditan yang antara lain, mengatur prosedur others, credit analysis procedures, credit approval
analisa kredit, persetujuan kredit, pencatatan procedures, credit recording and monitoring
dan pengawasan kredit, dan restrukturisasi procedures, and credit restructuring. These
kredit. Kebijakan dan prosedur tersebut policies and procedures are evaluated or
dievaluasi/dikaji secara berkala untuk reviewed periodically to adjust on the changing
disesuaikan perubahan kondisi serta arah conditions and direction of the Company’s policies
kebijakan Perusahaan agar potensi risiko dapat so that potential risks can be mitigated.
dimitigasi.
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Page 655
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Proses pemantauan kualitas kredit sampai The process of monitoring credit quality up to
dengan penanganan kredit bermasalah terus handling non-performing loans continues to
ditingkatkan dengan berbagai strategi yang improve with various strategies that are monitored
dimonitor secara periodik untuk memastikan periodically to ensure that the quality of the loan
agar kualitas portofolio kredit tetap terjaga. portfolio is maintained. Effective credit
Pengelolaan kredit yang efektif dapat management can minimize losses and optimize
meminimalkan kerugian dan mengoptimalkan the use of capital allocated for credit risk. In
penggunaan modal yang dialokasikan untuk addition, managing human resources in quantity
risiko kredit. Selain itu, mengelola sumber daya and quality, as well as preparing work policies and
manusia secara kuantitas dan kualitas, serta procedures.
mempersiapkan kebijakan dan prosedur kerja.
Proses underwriting kredit telah dikaji ulang The credit underwriting process has been
dengan melakukan revisi maupun menerbitkan reviewed by revising or issuing several credit
beberapa kebijakan perkreditan di setiap policies in each credit segment including the
segmen kredit termasuk kewenangan dalam authority to decide credit, credit monitoring,
memutus kredit, monitoring kredit, ketentuan provisions for handling credit/financing affected
penanganan kredit/pembiayaan yang terdampak by the spread of Covid-19 and others.
penyebaran Covid-19 dan lainnya.
Selain itu, untuk mendukung pertumbuhan kredit In addition, to support healthy credit growth, the
yang sehat, Perusahaan juga mengadakan Company also held training and workshops,
training dan workshop antara lain mengenai among on others including Sharing Session SME
Sharing Session Analisa Kredit SME Loan, Loan Loan Credit Analysis, Loan in T24, Sharia SME
di T24, Analisa Pembiayaan SME Syariah, Financing Analysis, Financial Method & Analysis,
Metode & Analisa Keuangan, Benefial Owner Benefial Owner and Multiple Devices, Mechanism
dan Multiple Device, Mekanisme Penghapusan for Elimination of Dependent Rights (Roya) in the
Hak Tanggungan (Roya) dalam Proses Credit Takeover Process (Takeover), SME Credit
Pengambilalihan Kredit (Takeover), Analisis Analysis, Bank Sinarmas Home Ownership Credit
Kredit SME, Kredit Pemilikan Rumah (KPR) (KPR) through Simobiplus, Pega SCF Supply
Bank Sinarmas melalui Simobiplus, Supply Chain Financing Part, Upgrading Knowledge
Chain Financing Part Pega SCF, Upgrading Credit Process and Documentation, Primary KPR
Knowledge Credit Process and Documentation, Financing Underwriting Process, Microcredit
Proses Underwriting Pembiayaan KPR Primary, Socialization, Intro to Commercial Credit Analysis,
Sosialisasi Kredit Mikro, Intro to Commercial Credit Risk and Lending, and Banking Credit
Credit Analysis, Credit Risk and Lending, dan Analysis Process, Practical Loan Recovery Up
Banking Credit Analysis Process, Practical Loan Skill, Banking Credit Analysiss Process,
Recovery Up Skill, Banking Credit Analysiss Collectibility Adjustment Process Mechanism,
Process, Mekanisme Proses Adjustment RA/RT Analysis, Economic Sector and BMPK,
Kolektibilitas, Analisis RA/RT, Sektor Ekonomi Refreshment: Early Warning System, Case
dan BMPK, Refreshment: Early Warning Review and Discussion of Internal Collateral
System, Bedah Kasus dan Diskusi Penilaian Valuation Department Collateral Valuation, Credit
Agunan Internal Collateral Valuation Engineering and Validation Program; SMMF
Department, Program Teknik dan Validasi Kredit; financing; Multifinance Business, Financing
Pembiayaan SMMF; Multifinance Business, Agreement at Sharia Bank, Appraisal and Credit
Akad Pembiayaan di Bank Syariah, Workshop Analyst Workshop, KPMM Capital Calculation,
Appraisal and Credit Analyst, Perhitungan Modal Sharing Session on KPM Disbursement Process
KPMM, Sharing Session Mengenai Alur Proses Flow in Processing, Discussion on Non-
Pencairan KPM di Processing, Pembahasan Performing Loans Collectibility 1 & 2, Procedures
Tentang Kredit Bermasalah Kolektibilitas 1 & 2, for Calculating Credit CKPN, Trade Finance and
Tata Cara Perhitungan CKPN Kredit, Trade Upgrading Credit Process and Documentation
Finance dan Upgrading Knowledge Credit Knowledge.
Process and Documentation.
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Page 656
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dalam penerapan transformasi digital yang In implementing a digital transformation that has
berdampak pada proses underwriting, an impact on the underwriting process, the
Perusahaan telah memiliki risk strategy untuk Company has a risk strategy for each digital loan
setiap produk digital loan yang dituangkan ke product that is poured into the Risk Engine and
dalam Risk Engine dan telah dilakukan has implemented a One Limit System to measure
implementasi One Limit System untuk mengukur the repayment capacity of each applicant, as well
repayment capacity setiap applicant, serta as a performance monitoring analysis. The
dilakukan analisa performance monitoring. Company has also reviewed the scoring
Perusahaan juga telah melakukan tinjauan atas development and conducted model validation on
pengembangan scoring dan dilakukan validasi a regular basis.
model secara berkala.
Perusahaan telah menyusun strategi dan action The Company had prepared strategies and action
plan untuk aktivitas perkreditan, yang akan lebih plans for lending activities, which will be focused
fokus pada debitur saat ini (exist) terutama yang more on existing debtors especially those
terdampak dan akselerasi proses restrukturisasi affected, and accelerate the restructuration
bagi debitur yang terdampak, dan memberikan process for affected debtors, and selectively
penyaluran kredit kepada debitur-debitur yang applying disbursement restrictions on unused
memiliki jaminan/agunan yang memadai dan dan credit facility and providing credit disbursements
sektor–sektor yang masih memiliki prospek to debtors who have adequate collateral and
usaha. sectors which still holds business prospects.
Dalam hal penanganan pembiayaan In terms of handling non-performing loan, the
bermasalah, Perusahaan telah melakukan Company has taken a number of actions including
sejumlah action diantaranya melakukan restructuring credit, executing mortgage rights,
restrukturisasi kredit, eksekusi hak tanggungan, foreclosed assets, and marketing of collateral
pengambilalihan agunan dan pemasaran through digital and non-digital media.
jaminan melalui media digital dan non digital.
Perusahaan telah mengimplementasikan PSAK The Company has implemented SFAS No. 71 in
No. 71 dalam hal pembentukan cadangan terms of allowance for impairment losses on credit
kerugian penurunan nilai kredit sesuai dengan in accordance with the decree of the Financial
penetapan Dewan Standar Akuntansi Keuangan Accounting Standards Board of the Indonesian
Ikatan Akuntan Indonesia (DSAK IAI). Institute of Accountants (DSAK IAI).
Perusahaan telah membangun infrastruktur dan The Company has built IT infrastructure and
sistem IT yang dapat melakukan proses systems that can perform Classification and
klasifikasi dan pengukuran, perhitungan Measurement process, Impairment calculations
penurunan nilai (kolektif dan individu), serta (collective and individual), and Disclosure for
Pengungkapan Laporan. Cakupan penurunan Reporting. The scope for impairment under SFAS
nilai berdasarkan PSAK No. 71 telah No. 71 has taken into account future losses
memperhitungkan kerugian di masa mendatang (expected credit loss model).
(expected credit loss model).
Cadangan kerugian penurunan nilai (CKPN) The allowances for impairment losses using the
dengan menggunakan metode Expected Credit Expected Credit Loss method in accordance with
Loss sesuai dengan ketentuan PSAK No. 71 SFAS No. 71 provisions calculate the impairment
menghitung penurunan nilai pada Portofolio (1) of the Portfolio (1) Credit; (2) Treasury; (3) Trade
Kredit; (2) Treasury; (3) Trade Finance baik Finance on both on balance sheet and off balance
untuk on balance sheet maupun off balance sheet every month. The Company is conducting
sheet setiap bulan. Perusahaan melakukan modeling of PD, LGD, EAD, and Forward-Looking
pemodelan PD, LGD, EAD dan Forward Looking Macroeconomic Information for all segmentation
Macroeconomic information untuk semua of financial instrument portfolios in accordance
segmentasi portofolio instrumen keuangan with the methodology determined by the
sesuai dengan metodologi yang telah ditentukan Company.
oleh Perusahaan.
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Page 657
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pengukuran Cadangan Kerugian Kredit Allowances for Expected Credit Losses
Ekspektasian Measurement
Perusahaan mengacu pada PSAK No. 71 yang The Company refers to SFAS No. 71 which
memperkenalkan metode kerugian kredit introduces the expected credit loss method of
ekspektasian dalam mengukur kerugian measuring the loss on a financial instrument due
instrumen keuangan akibat penurunan nilai. to impairment. SFAS No. 71 requires immediate
PSAK No. 71 mensyaratkan pengakuan segera recognition of the effect of changes in expected
atas dampak perubahan kerugian kredit credit losses after the initial recognition of the
ekspektasian setelah pengakuan awal aset financial asset. The Company develops risk
keuangan. Perusahaan mengembangkan parameter modeling such as PD, LGD, and EAD
permodelan parameter risiko seperti PD, LGD which are used as components of calculating
dan EAD yang digunakan sebagai komponen expected credit losses.
perhitungan kerugian kredit ekspektasian.
PSAK No. 71 mensyaratkan entitas untuk SFAS No. 71 requires entities to classify financial
mengelompokkan aset keuangan ke dalam tiga assets into three stages (stage 1, stage 2 and
tahapan (tahap 1, tahap 2 dan tahap 3) dengan stage 3) by determining whether there is a
menentukan apakah terjadi peningkatan risiko significant increase in credit risk. The Company
kredit yang signifikan. Perusahaan mengukur measures the allowance for expected credit
cadangan kerugian sejumlah kerugian kredit losses on 12 months credit loss for financial
ekspektasian 12 bulan untuk aset keuangan assets with low credit risk at the reporting date
yang memiliki risiko kredit rendah pada tanggal (stage 1) and lifetime expected credit losses for
pelaporan (tahap 1) dan kerugian kredit financial assets with a significant increase in
sepanjang umur untuk aset keuangan yang credit risk (stage 2 and stage 3). At each reporting
mengalami peningkatan risiko kredit yang date, the entity assesses whether the credit risk
signifikan (tahap 2 dan tahap 3). Pada setiap on the financial instrument has increased
tanggal pelaporan, entitas menilai apakah risiko significantly since initial recognition. In making
kredit atas instrumen keuangan telah meningkat that assessment, an entity compares the risk of
secara signifikan sejak pengakuan awal. Dalam default on initial recognition and considers
melakukan penilaian tersebut, entitas reasonable and supportable information available
membandingkan risiko gagal bayar pada saat without undue cost or effort, which is an indication
pengakuan awal serta mempertimbangkan of a significant increase in credit risk (SICR) since
informasi yang wajar dan terdukung yang initial recognition.
tersedia tanpa biaya atau upaya berlebihan,
yang merupakan indikasi peningkatan risiko
kredit secara signifikan (SICR) sejak pengakuan
awal.
Berikut adalah eksposur maksimum instrumen The maximum exposure of financial instruments
keuangan dalam laporan posisi keuangan dan related to credit risk as shown in the statement of
rekening administratif yang terkait risiko kredit financial position as of December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022: 2022 follows:
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Laporan Posisi Keuangan Statements of Financial Position
Diukur pada nilai wajar melalui At Fair value through
laba rugi profit and loss
Efek-efek Securities
Reksadana 2.007.589 - - - 2.007.589 Mutual funds
Aset lain-lan Other assets
Piutang derivatif 27.502 - - - 27.502 Derivatif receivables
Diukur pada nilai wajar melalui At Fair value through other
penghasilan komprehensif lain comprehensive income
Efek-efek Securities
Obligasi korporasi 6.160.841 - - - 6.160.841 Corporate bonds
Diukur pada biaya perolehan dimortisasi Measured at amortized cost
Giro pada bank lain - pihak ketiga 2.656.867 - - - 2.656.867 Demand deposits with other banks
Penempatan pada bank lain 146.272 - - - 146.272 Placements with other banks
Efek-efek Securities
Obligasi korporasi 97.103 - - 10.212 107.315 Corporate bonds
Tagihan atas wesel ekspor 39.147 - - - 39.147 Export bills receivable
Kredit yang diberikan (termasuk Loan (including financing
pembiayaan prinsip syariah) 10.447.656 1.145.890 110.414 5.167.486 16.871.446 based on sharia principles)
Tagihan akseptasi 79.864 - - - 79.864 Acceptance receivable
Pendapatan yang masih akan diterima 300.579 - - 26.172 326.751 Acrued income
Aset lain-lain 141.121 - - - 141.121 Other assets
Jumlah 22.104.541 1.145.890 110.414 5.203.870 28.564.715 Total
- 121 -
Page 658
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Komitmen dan Kontinjensi Commitment and Contingencies
Fasilitas kredit kepada debitur
yang belum digunakan 474.753 - - - 474.753 Unused loan commitment to debtor
Bank garansi 924.115 - - - 924.115 Bank guarantee
Irrevocable letters of credit 103.015 - - - 103.015 Irrevocable letters of credit
Jumlah 1.501.883 - - - 1.501.883 Total
2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Laporan Posisi Keuangan Statements of Financial Position
Diukur pada nilai wajar melalui At Fair value through
laba rugi profit and loss
Efek-efek Securities
Reksadana 1.003.921 - - - 1.003.921 Mutual funds
Diukur pada nilai wajar melalui At Fair value through other
penghasilan komprehensif lain comprehensive income
Efek-efek Securities
Obligasi korporasi 6.079.276 - - - 6.079.276 Corporate bonds
Diukur pada biaya perolehan dimortisasi Measured at amortized cost
Giro pada bank lain - pihak ketiga 1.720.487 - - - 1.720.487 Demand deposits with other banks
Penempatan pada bank lain 737.891 - - - 737.891 Placements with other banks
Efek-efek Securities
Obligasi korporasi 567.943 - - 10.363 578.306 Corporate bonds
Tagihan atas wesel ekspor 26.103 - - - 26.103 Export bills receivable
Kredit yang diberikan (termasuk Loan (including financing
pembiayaan prinsip syariah) 9.681.610 1.282.934 1.254.887 3.281.533 15.500.964 based on sharia principles)
Tagihan akseptasi 77.982 - - - 77.982 Acceptance receivable
Pendapatan yang masih akan diterima 285.125 - - 18.915 304.040 Acrued income
Aset lain-lain 126.260 - - - 126.260 Other assets
Jumlah 20.306.598 1.282.934 1.254.887 3.310.811 26.155.230 Total
Komitmen dan Kontinjensi Commitment and Contingencies
Fasilitas kredit kepada debitur
yang belum digunakan 348.768 - - - 348.768 Unused loan commitment to debtor
Bank garansi 1.344.633 - - - 1.344.633 Bank guarantee
Irrevocable letters of credit 65.041 - - - 65.041 Irrevocable letters of credit
Jumlah 1.758.442 - - - 1.758.442 Total
Eksposur maksimum risiko kredit tercermin dari The credit risk maximum exposure is reflected in
persentase setiap kategori kredit yang diberikan the percentage of each category of loan to total
terhadap jumlah kredit. Portofolio kredit yang loan. The Loans portfolio is diversified into
diberikan terdiversifikasi ke dalam 23 jenis sektor 23 types of economic sectors, wherein as of
ekonomi, dimana untuk posisi 31 Desember December 31, 2023, Wholesale and Retail
2023, kelompok sektor ekonomi yang Trades, Repair and maintenance of Cars and
memperoleh penyaluran kredit terbesar dari Motorcycles economic sector, and Households
Perusahaan adalah sektor ekonomi economic sector obtained the largest loans from
Perdagangan Besar dan Eceran, Reparasi dan the Company.
Perawatan Mobil dan Sepeda Motor, dan sektor
ekonomi Rumah Tangga.
Sebagai bagian dari manajemen portofolio, As part of portfolio management, the Company
Perusahaan juga melakukan pemantauan also monitors the development of credit portfolio
perkembangan risiko portofolio kredit melalui risk through of the calculation of Credit Risk
perhitungan Credit Risk Profile yang Profile that describes the potential inherent risks
menggambarkan potensi risiko bawaan dan and the effectiveness of risk management quality
efektifitas kualitas penerapan manajemen risiko. implementation. The Company also monitors the
Perusahaan juga melakukan monitoring development and quality of the portfolio based on
perkembangan dan kualitas portofolio portofolio category concentration, 25 largest
berdasarkan konsentrasi per kategori portofolio, debtors, industrial sector, region, product type,
25 debitur besar, sektor industri, sektor wilayah, purpose of use, and the type of currency.
jenis produk, tujuan penggunaan, dan jenis
valuta.
- 122 -
Page 659
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dengan demikian, Perusahaan dapat Accordingly, the Company can take anticipatory
mengambil langkah-langkah antisipasi dan measures and risk mitigation in the portfolio as
mitigasi risiko secara portofolio maupun secara well as individually and also through
individu dan juga melalui penyempurnaan proses improvements in credit risk management
penerapan manajemen risiko kredit, baik melalui implementation process, through both
penyempurnaan kebijakan perkreditan maupun improvement of credit policies and the
pengembangan sistem informasi kredit yang development of adequate credit information
memadai. system.
Dalam hal adanya revisi standar pemenuhan In the event of revision on the minimum capital
modal minimum untuk risiko kredit sebagaimana compliance standard for credit risk as stipulated in
diatur dalam standar Basel III: Finalizing Post the Basel III standard: Finalizing Post Crisis
Crisis Reforms (Basel III Reforms) yang Reforms (Basel III Reforms) issued by the Basel
diterbitkan oleh Basel Committee on Banking Committee on Banking Supervision (BCBS), the
Supervision (BCBS), Perusahaan telah Company has implemented the Credit Risk ATMR
mengimplementasikan Laporan Perhitungan Calculation Report with a Standard Approach
ATMR Risiko Kredit dengan Pendekatan Standar since January 1, 2023.
sejak 1 Januari 2023.
Berikut adalah eksposur risiko kredit atas aset The credit risk exposure related to Company’s
Perusahaan (termasuk kredit yang diberikan assets (including loans provided based on sharia
berdasarkan prinsip syariah) pada tanggal principles) is as follow as of December 31, 2023
31 Desember 2023 dan 2022: and 2022 is as follows:
2023
Belum Jatuh Tempo
dan Tidak Mengalami Mengalami
Penurunan Nilai/ Penurunan
Neither Past Due Nilai/ Jumlah/
Nor Impaired Impaired Total
Giro pada bank lain 2.656.867 - 2.656.867 Demand deposits with other banks
Penempatan pada bank lain 146.272 - 146.272 Placements with other banks
Efek-efek Securities
Diukur pada nilai wajar melalui At fair value through profit
laporan laba rugi 2.007.589 - 2.007.589 and loss
Diukur pada biaya perolehan
diamortisasi 97.103 - 97.103 Measured at amortized cost
Diukur pada nilai wajar At fair value through other
penghasilan komprehensif lainnya 7.288.084 - 7.288.084 comprehensive income
Kredit yang diberikan 16.611.442 260.004 16.871.446 Loans
Tagihan akseptasi 79.864 - 79.864 Acceptance receivable
Pendapatan yang masih akan diterima 326.751 - 326.751 Accrued income
Aset lain-lain 141.121 - 141.121 Other assets
Jumlah 29.355.093 260.004 29.615.097 Total
2022
Belum Jatuh Tempo
dan Tidak Mengalami Mengalami
Penurunan Nilai/ Penurunan
Neither Past Due Nilai/ Jumlah/
Nor Impaired Impaired Total
Giro pada bank lain 1.720.487 - 1.720.487 Demand deposits with other banks
Penempatan pada bank lain 737.891 - 737.891
Efek-efek Securities
Diukur pada nilai wajar melalui At fair value through profit
laporan laba rugi 1.003.921 - 1.003.921 and loss
Diukur pada biaya perolehan
diamortisasi 567.943 - 567.943 Measured at amortized cost
Diukur pada nilai wajar At fair value through other
penghasilan komprehensif lainnya 6.079.276 - 6.079.276 comprehensive income
Kredit yang diberikan 14.235.454 1.265.510 15.500.964 Loans
Tagihan akseptasi 77.982 - 77.982 Acceptance receivable
Pendapatan yang masih akan diterima 304.040 - 304.040 Accrued income
Aset lain-lain 126.260 - 126.260 Other assets
Jumlah 24.853.254 1.265.510 26.118.764 Total
- 123 -
Page 660
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Risiko Pasar Market Risk
Dalam melaksanakan aktivitasnya, Perusahaan In conducting its activities, the Company is
terekspos pada risiko pasar yang terdiri atas exposed to market risk consisting of interest rate
risiko suku bunga dan risiko nilai tukar. Risiko risk and foreign exchange risk. Market risk,
pasar antara lain terdapat pada aktivitas among others exist in the functional activity of the
fungsional Perusahaan seperti kegiatan treasury Company, such as treasury activities and
dan investasi dalam surat berharga dan pasar investments in securities and money markets,
uang, kegiatan pendanaan dan penerbitan surat financing activities and the issuance of debt and
utang, serta kegiatan pembiayaan perdagan. trade financing activities (trade finance). The
Perusahaan senantiasa melakukan pengelolaan Company always managing the management of
terhadap risiko pasar tersebut secara rutin market risk on a regular basis and/or periodically.
dan/atau berkala.
Pemantauan terhadap risiko pasar dilakukan Market risk has been monitoring by the Company
secara harian yang memuat informasi mengenai on daily basis through the market risk daily
posisi surat berharga yang dimiliki Perusahaan, monitoring report that contains such information
Posisi Devisa Neto (PDN) serta pemantauan about securities position that is owned by the
limit-limit risiko pasar lainnya, seperti Value at Company, Net Open Position (NOP) and also
Risk (VaR) nilai tukar, Present Value of One monitoring of other market risks limits, such as
Basis Poin Changes (PV01) maksimum posisi Value at Risk (VaR) for exchange rate, maximum
surat berharga per penerbit dan mata uang, Present Value of One Basis Points Changes
risiko suku bunga pada Banking Book, serta (PV01) in each issuer and series, Interest Rate
Holding Period dan Off Market Rate (OMR). Risk in Banking Book (IRRBB), and Holding
Period Report and Off Market Rate (OMR).
Selain itu Perusahaan secara berkala melakukan In addition, the Company periodically calculates
perhitungan stress test terkait risiko suku bunga, stress tests related to interest rate risk, exchange
risiko nilai tukar dan risiko harga dengan 3 jenis rate risk and price risk with 3 types of scenarios
skenario dan asumsi yaitu Skenario Baseline, and assumptions, namely Baseline Scenario,
Skenario Moderate dan Skenario Severe yang Moderate Scenario and Severe Scenario which
menunjukkan kondisi stressed dengan show stressed conditions by taking into account
memperhatikan kondisi makro ekonomi di pasar macroeconomic conditions in the market and
serta pergerakan kondisi stressed menggunakan movements of stressed conditions using historical
data historikal yang pernah terjadi. Asumsi data that has occurred. Assumptions and/or
dan/atau skenario serta hasil stress testing scenarios and results of stress testing are
disampaikan dan disetujui oleh Komite submitted and approved by the Risk Management
Manajemen Risiko dan/atau Direksi melalui rapat Committee and/or Board of Directors through risk
komite manajemen risiko atau melalui sirkulasi management committee meetings or through the
Memorandum Internal atau melalui e-mail. circulation of Internal Memorandums or via e-mail.
a. Risiko Suku Bunga a. Interest Rate Risk
Risiko Suku Bunga dalam buku Bank atau Interest Rate Risk in The Banking Book
Interest Rate Risk in The Banking Book (IRRBB) is a risk due to interest rate
(IRRBB) merupakan risiko akibat movements in the market that are opposite to
pergerakan suku bunga di pasar yang the Banking Book position, which has the
berlawanan dengan posisi Banking Book, potential to have an impact on the Company's
yang berpotensi memberikan dampak capital and earnings both now and in the
terhadap permodalan dan rentabilitas future.
(earnings) Perusahaan baik untuk saat ini
maupun pada masa mendatang.
Pengelolaan risiko suku bunga dilakukan The management of interest rate risk of
terhadap posisi instrumen keuangan baik financial instruments is carried on the
dalam trading book maupun banking book. position in both the trading book and the
Risiko suku bunga dalam trading book banking book. Interest rate risk in the trading
dihitung dengan metode standar sesuai book is calculated by standard methods in
dengan ketentuan Otoritas Jasa Keuangan accordance with Bank Indonesia regulations,
yang berlaku, yaitu meliputi risiko spesifik which include specific risk (using the Maturity
(menggunakan Metode Jatuh Tempo) dan method) and general risk.
risiko umum.
- 124 -
Page 661
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Sehubungan dengan dikeluarkannya POJK In connection with the issuance of POJK
No.12/POJK.03/2021 pada 30 Juli 2021 No.12/POJK.03/2021 on July 30, 2021
tentang Bank Umum dimana berdasarkan regarding Commercial Banks where based
modal inti yang dimiliki bank maka on the core capital owned by the bank, the
Perusahaan dapat dikelompokkan menjadi Company can be grouped into Kelompok
Kelompok Bank Berdasarkan Modal Inti Bank Berdasarkan Modal Inti (KBMI) 2, thus
(KBMI) 2, dengan demikian wajib it is required to calculate and submit Interest
melakukan perhitungan dan Rate Risk in The Banking Book (IRRBB)
menyampaikan pelaporan Interest Rate reporting since the enactment of the POJK,
Risk in The Banking Book (IRRBB) sejak which the first time was made in January
diberlakukannya POJK tersebut, yaitu 2022 for December 2021 position reporting.
pertama kali pada Januari 2022 untuk
pelaporan posisi Desember 2021.
Penerapan manajemen risiko suku bunga The application of Interest Rate Risk in The
pada Interest Rate Risk in The Banking Banking Book (IRRBB) is to identify,
Book (IRRBB) diterapkan untuk measure, monitor and control interest rate
mengidentifikasi, mengukur, dan movements that can cause changes in the
memantau serta mengendalikan present value and timing of future cash flows
pergerakan suku bunga yang dapat that affect the economic value of assets,
menyebabkan perubahan pada nilai kini liabilities and transaction of administrative
dan penetapan waktu arus kas pada masa accounts and those that causes changes in
mendatang yang mempengaruhi nilai net interest income. Interest Rate Risk in The
ekonomis dari asset, liabilitas, dan Banking Book (IRRBB) is measured based
transaksi rekening administratif serta on the impact of changes in interest rates on
menyebabkan perubahan pada changes in the economic value of equity
pendapatan bunga bersih. Risiko suku (EVE) and changes in net interest income
bunga dalam Interest Rate Risk in The (NII). The IRRBB ratio based on EVE and NII
Banking Book (IRRBB) diukur berdasarkan for the fourth quarter of 2023 is 7.21% and
dampak perubahan suku bunga terhadap 25.27%, respectively.
perubahan nilai ekonomis dari ekuitas
(Economic Value of Equity/EVE) dan
perubahan pada pendapatan bunga bersih
(Net Interest Income/NII). Rasio IRRBB
berdasarkan EVE dan NII posisi Triwulan
IV - 2023 masing - masing sebesar 7,21%
dan 25,27%.
Perusahaan dalam hal pengelolaan risiko The Company, in terms of interest rate risk
suku bunga dilengkapi dengan analisa management, is complemented by periodic
sensitivitas secara periodik untuk sensitivity analysis to measure the impact of
mengukur dampak dari perubahan suku significant changes in interest rates. In
bunga yang signifikan. Selain itu, addition, the Company has established Risk
Perusahaan telah menetapkan Risk Appetite and Risk Tolerance for Interest Rate
Appetite dan Risk Tolerance untuk Risiko Risk, namely interest rate risk to changes in
Suku Bunga yaitu risiko suku bunga the economic value of equity. Currently, the
terhadap perubahan nilai ekonomis dari Company is developing a system to calculate
nilai ekuitas. Saat ini Perusahaan sedang an IRRBB which are which among others are
mengembangkan sistem terkait used for IRRBB reporting purposes with the
perhitungan IRRBB yang diantaranya aim that all calculations are carried out
digunakan untuk keperluan pelaporan automatically in order to convey risk
IRRBB dengan tujuan semua perhitungan information that is accurate, effective, in
dilakukan secara otomasi guna accordance with the provisions regulated by
menyampaikan informasi risiko yang the regulator, and timely as well to minimize
akurat, efektif, sesuai ketentuan yang diatur the potential for operational risks.
oleh regulator, dan tepat waktu serta
meminimalkan potensi terjadinya risiko
operasional.
- 125 -
Page 662
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Tabel berikut merupakan rata-rata suku The following table is an average effective
bunga efektif per tahun untuk aset dan interest rate per annum for the significant
liabilitas yang signifikan (tidak termasuk assets and liabilities (excluding Sharia
akun Syariah): accounts):
2023 2022
Mata Uang Asing/ Mata Uang Asing/
Rupiah Rupiah
Foreign Currencies Foreign Currencies
% % % %
Aset Assets
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 3,50 3,67 2,45 1,10 and other bank
Kredit yang diberikan 11,09 12,19 10,62 6,51 Loans
Liabilitas Liabilities
Simpanan 1,67 0,45 1,45 0,11 Deposits
Simpanan dari bank lain 3,20 0,06 1,14 0,08 Deposits from other banks
Tabel berikut ini menyajikan portofolio The following table presents the Company's
Perusahaan (tidak termasuk portofolio portfolio (excluding the trading portfolio) at
yang diperdagangkan) pada nilai their carrying values, which are grouped
tercatatnya, yang dikelompokkan menurut according to which comes first between the
mana yang lebih awal antara tanggal re-pricing date or the contractual maturity
re-pricing atau tanggal jatuh tempo date, whichever is earlier:
kontraktual:
2023
Sampai > 1 Bulan > 3 Bulan > 1 Tahun
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 1 Tahun/ 2 Tahun/
1 Month More than More than More than > 2 Tahun/
or 1 Month Until 3 Months Until 1 Year Until More than Jumlah/
Less 3 Months 1 Year 2 Years 2 Years Total
Aset Assets
Bunga Mengambang Floating rate
Demand deposits with
Giro pada bank lain 2.656.867 - - - - 2.656.867 other banks
Kredit yang diberikan 94.745 1.243.963 1.720.723 1.413.257 2.693.240 7.165.928 Loans
Liabilitas Liabilities
Bunga Mengambang Floating rate
Simpanan 25.149.192 - - - - 25.149.192 Deposits
Simpanan dari bank lain 41.271 - - - - 41.271 Deposits from other banks
2022
Sampai > 1 Bulan > 3 Bulan > 1 Tahun
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 1 Tahun/ 2 Tahun/
1 Month More than More than More than > 2 Tahun/
or 1 Month Until 3 Months Until 1 Year Until More than Jumlah/
Less 3 Months 1 Year 2 Years 2 Years Total
Aset Assets
Bunga Mengambang Floating rate
Demand deposits with
Giro pada bank lain 1.720.487 - - - - 1.720.487 other banks
Kredit yang diberikan 587.256 780.846 976.591 1.181.986 2.735.204 6.261.883 Loans
Liabilitas Liabilities
Bunga Mengambang Floating rate
Simpanan 23.296.019 - - - - 23.296.019 Deposits
Simpanan dari bank lain 13.895 - - - - 13.895 Deposits from other banks
b. Risiko Nilai Tukar b. Foreign Exchange Risk
Risiko nilai tukar adalah risiko kerugian Exchange rate risk is the risk of losses to
pada neraca dan rekening administratif balance sheets and administrative accounts
yang disebabkan oleh perubahan nilai caused by changes in exchange rates,
tukar, termasuk perubahan nilai emas. including changes in the value of gold.
- 126 -
Page 663
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Kebijakan pengelolaan risiko nilai tukar The exchange rate risk management policy
berpedoman pada batas Posisi Devisa is guided by the limit of the Net Open
Neto (PDN) sesuai ketentuan regulator Position (NOP) in accordance with the
yaitu Perusahaan wajib mengelola dan regulatory provisions, that the Company is
memelihara PDN paling tinggi 20% dari required to manage and maintain NOP at a
Modal. Perusahaan juga menyusun Risk maximum of 20% of capital. The Company
Appetite dan Risk Tolerance risiko pasar also prepares Risk Appetite and Risk
yang selaras dengan tujuan strategis Tolerance for market risk in line with the
Perusahaan yang digunakan sebagai Company's strategic objectives which are
dasar penentuan tingkat risiko yang akan used as the basis for determining the level
diambil Perusahaan dalam pencapaian of risk that will be taken by the Company in
sasaran bisnis. Selain itu, pengelolaan achieving business objectives. In addition,
risiko nilai tukar secara harian juga the Company also manages daily exchange
dilakukan Perusahaan dengan cara rate risk by calculating potential losses that
menghitung potensi kerugian yang may arise as a result of changes in
mungkin timbul sebagai dampak dari exchange rates on the Company's position
adanya perubahan nilai tukar terhadap using the historical Value at Risk (VAR)
posisi. Perusahaan menggunakan metode method using 250 historical data with a 99%
historical Value at Risk (VAR) confidence level. More over, the Company
menggunakan 250 data historis dengan also monitors Off Market Rate (OMR) for
tingkat kepercayaan 99%. Selain itu exchange rate transactions.
Perusahaan juga melakukan pemantauan
terkait Off Market Rate (OMR) untuk
transaksi nilai tukar.
c. Risiko Harga c. Price Risk
Risiko harga merupakan risiko yang timbul Price risk is the risk that arises as a result of
sebagai akibat ketidakpastian dalam uncertainty in changes in the price of an
perubahan harga suatu aset, misalnya asset, for example unprofitable income and
pendapatan yang kurang menguntungkan securities that have a fixed income due to
dan sekuritas yang memiliki pendapatan changes in interest rates.
tetap akibat perubahan tingkat suku bunga.
Dalam hal pengelolaan risiko harga, In terms of price risk management, the
Perusahaan melakukan pemantauan atas Company monitors market risk exposures
eksposur risiko pasar yang melekat pada inherent in the portfolios managed by the
portofolio yang dikelola oleh treasury, treasury, such as Securities owned by the
seperti Surat Berharga yang dimiliki Company, especially those exposed to
Perusahaan khususnya yang terekspos market risk, namely Securities held in the
risiko pasar, yaitu Surat Berharga yang Fair Value to Other Comprehensive Income
dimiliki dalam kategori Fair Value to Other (FVOCI) category. Amortized Cost (AC) and
Comprehensive Income (FVOCI), Fair Value to Profit & Loss (FVTPL), Value
Amortized Cost (AC) dan Fair Value to at Risk (VaR), Off Market Rate (OMR), Profit
Profit & Loss (FVTPL), Value at Risk (VaR), & Loss of securities with reference to
Off Market Rate (OMR), Profit & Loss surat predetermined limits.
berharga dengan mengacu pada limit-limit
yang telah ditetapkan.
Dengan diterbitkannya SEOJK Nomor With the issuance of SEOJK Number
23/SEOJK.03/2022 tentang Perhitungan Aset 23/SEOJK.03/2022 concerning the Calculation of
Tertimbang Menurut Risiko (ATMR) untuk Risiko Risk-Weighted Assets (ATMR) for Market Risk for
Pasar bagi Bank Umum yang mulai diberlakukan Commercial Banks which will come into effect on
pada 1 Januari 2024 sesuai yang tertuang pada January 1, 2024 as stated in the circular, the
surat edaran tersebut maka Perusahaan telah Company has participated in conducting an
berperan serta dalam melakukan industrial test industrial test of the calculation of ATMR for
perhitungan ATMR untuk Risiko Pasar dengan Market Risk with a standardized approach and is
pendekatan standar (standardized approach) submitted periodically, namely every 3 (three)
serta disampaikan secara berkala yaitu 3 (tiga) months to the regulator in accordance with the
bulan sekali kepada regulator sesuai dengan provisions This is in order to measure and mitigate
ketentuan tersebut dalam rangka mengukur serta risk as an impact if there is an increase in ATMR
memitigasi risiko sebagai dampak jika terdapat for Market Risk which has an impact on the
peningkatan pada ATMR untuk Risiko Pasar Company's Minimum Capital Provision Obligation
yang berdampak terhadap Kewajiban (KPMM) and CAR.
Penyediaan Modal Minimum (KPMM) dan CAR
Perusahaan.
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dalam penerapan manajemen risiko pasar yang In the implementation of market risk management
terpapar risiko counterparty, Perusahaan telah exposed to counterparty risk, the Company has
menghitung, mengukur dan memantau secara calculated, measured and monitored periodically
berkala minimal 1 (satu) bulan sekali sesuai at least once every 1 (one) month in accordance
dengan SEOJK Nomor 23/SEOJK.03/2022 with SEOJK Number 23/SEOJK.03/2022
tentang Perhitungan Aset Tertimbang Menurut concerning Calculation of Risk-Weighted Assets
Risiko (ATMR) untuk Risiko Pasar bagi Bank (ATMR) for Market Risk for Commercial Banks
Umum terkait BMPK Derivatif Non Kredit yang related to BMPK Non-Credit Derivatives
diperhitungkan pada Aktiva Tertimbang Menurut calculated in Risk-Weighted Assets (ATMR) for
Risiko (ATMR) untuk Risiko Kredit dan Credit Credit Risk and Credit Value Adjustment (CVA)
Value Adjustment (CVA) yang merupakan bagian which is part of the Assets report Risk Weighted
dari laporan Aktiva Tertimbang Menurut Risiko (RWA) for regulated market risk.
(ATMR) untuk risiko pasar sesuai ketentuan.
Risiko Likuditas Liquidity Risk
Risiko likuiditas adalah risiko yang disebabkan Liquidity risk is the risk caused by the Company's
oleh ketidakmampuan Perusahaan untuk inability to fulfill overdue obligations using cash
memenuhi kewajiban yang jatuh tempo flow funding sources and/or from high-quality
menggunakan sumber pendanaan arus kas liquid assets that can be collateralized, without
dan/atau dari aset likuid berkualitas tinggi yang disrupting the Company's activities and financial
dapat diagunkan, tanpa mengganggu aktivitas condition. Liquidity risk is the most important risk
dan kondisi keuangan Perusahaan. Risiko for public companies and needs to be managed
likuiditas merupakan risiko yang terpenting pada on an ongoing basis.
perusahaan umum dan perlu dikelola secara
berkesinambungan.
Dalam menjaga serta memantau kondisi In maintaining and monitoring liquidity conditions,
likuiditas maka Perusahaan membentuk Asset the Company formed Asset and Liability
and Liability Management (ALMA) dan Asset and Management (ALMA) and Asset and Liability
Liability Committee (ALCO) yang beranggotakan Committee (ALCO) which consist of the highest
manajemen senior tertinggi. ALMA memiliki senior management. ALMA has duties and
tugas dan tanggung jawab antara lain melakukan responsibilities, including among others
simulasi kecukupan likuiditas Perusahaan dan simulating the Company's liquidity adequacy and
memberikan rekomendasi kepada ALCO terkait providing recommendations to ALCO regarding
langkah antisipasi yang perlu dilakukan untuk anticipatory steps that need to be taken to ensure
memastikan kecukupan likuiditas termasuk adequate liquidity, including recommendations
rekomendasi terkait suku bunga. Sedangkan related to interest rates. Meanwhile, ALCO has
ALCO memiliki tugas dan tanggung jawab yaitu the duties and responsibilities of directing and
mengarahkan dan menentukan rencana, determining plans, policies, strategies, balance
kebijakan, strategi, struktur neraca, likuiditas, sheet structure, liquidity, profitability, and risks
profitabilitas, dan risiko yang terkait dengan related to foreign exchange risk and interest rates
risiko valuta asing dan tingkat suku bunga through the process of supervising, identifying
melalui proses pengawasan, identifikasi dan and measuring risk exposure with due regard to
pengukuran paparan risiko dengan prudential principles.
memperhatikan prinsip kehati-hatian.
Pemantauan terhadap likuiditas Perusahaan Monitoring of the Company's liquidity is carried
dilakukan secara harian, bulanan, dan triwulan, out on daily, monthly, and quarterly basis, as part
sebagai bagian dari sistem informasi manajemen of the management information system in which
hasil pemantauan tersebut dilaporkan kepada the monitoring results are reported to
Manajemen. Pemantauan antara lain dilakukan Management. Monitoring is carried out, among
terhadap komposisi posisi keuangan others, on the composition of the Company's
Perusahaan, aktivitas dana keluar dan dana financial position, activity of outgoing and
masuk yang tercermin dari transaksi Real Time incoming funds, which is reflected in the Real
Gross Settlement (RTGS), BI Fast, dan Sistem Time Gross Settlement (RTGS), BI Fast, and
Kliring Nasional (SKN), aktivitas money market, National Clearing System (SKN) transactions,
posisi aset likuid baik primer maupun sekunder, money market activities, the position of primary
serta rasio-rasio likuiditas seperti Aset Likuid and secondary liquid assets, and liquidity ratios
Terhadap Non Core Deposit (AL/NCD), Rasio such as Liquid Assets to Non Core Deposits
Kecukupan Aset Likuid, Rasio Kecukupan (AL/NCD), Liquid Asset Adequacy Ratio, Liquidity
Likuiditas (LCR), Rasio Pendanaan Stabil Bersih Adequacy Ratio (LCR), Net Stable Funding Ratio
(NSFR), Arus Keluar Maksimum (MCO), dan (NSFR), Maximum Outflows (MCO), and
Rasio Intermediasi Makroprudensial (RIM). Macroprudential Intermediation Ratio (MIR).
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Page 665
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Pemantauan terhadap pemenuhan Giro Wajib Monitoring of the fulfillment of the Statutory
Minimum baik primer maupun sekunder dan Reserves on both primary and secondary and
Penyangga Likuiditas Makroprudensial (PLM) Macroprudential Liquidity Buffers (PLM) is carried
dilakukan secara harian untuk memastikan out on a daily basis to ensure that the Company
bahwa Perusahaan selalu menjaga GWM dan always maintains the Statutory Reserves and
PLM sesuai yang telah ditentukan oleh regulator, PLM as determined by the regulator, and at a safe
serta pada level yang aman dengan besaran level with an adequate amount adjusted to the
kecukupan disesuaikan dengan kondisi likuiditas Company's specific liquidity conditions and
Perusahaan secara spesifik maupun kondisi liquidity conditions in the market.
likuiditas di pasar.
Perusahaan telah melakukan perhitungan dan The Company has calculated and monitored the
pemantauan limit terhadap rasio likuiditas yaitu limits of liquidity ratios such as Liquidity Coverage
Rasio Kecukupan Likuiditas (LCR) dan Rasio Ratio (LCR) and Net stable Funding Ratio
Pendanaan Stabil Bersih (NSFR). Hasil (NSFR). The monitoring results are informed
pemantauan disampaikan secara berkala periodically to the Asset-Liabilities Committee
kepada Asset & Liabilities Committee (ALCO) (ALCO) member, Asset-Liabilities Management
member, Asset & Liabilities Management (ALMA) member which includes business units
(ALMA) member yang meliputi unit bisnis dan and supporting units, Risk Management
unit pendukung, Komite Manajeman Risiko Committee (RMC), Risk Oversee Committee
(KMR), Komite Pemantau Risiko (KPR) serta (ROC) and to the Board of Directors of the
kepada Direksi Perusahaan. Company.
Dalam melakukan perhitungan LCR dan NSFR, In calculating LCR and NSFR, the Company has
Perusahaan telah menggunakan sistem sebagai used a system as part of the application of the
bagian penerapan dari sistem informasi management information system in order to
manajemen dalam rangka menghasilkan produce LCR and NSFR calculations on a
perhitungan LCR dan NSFR secara bulanan monthly basis with the aim that all calculations are
dengan tujuan agar semua perhitungan carried out automatically in order to convey risk
dilakukan secara otomasi guna menyampaikan information that is accurate, effective, in
informasi risiko yang akurat, efektif, sesuai accordance with the provisions regulated by the
dengan ketentuan yang diatur oleh regulator, regulator, and timely as well to minimize the
dan tepat waktu serta meminimal potensi potential for operational risks.
terjadinya risiko operasional.
Rasio likuiditas yaitu Liquidity Coverage Rasio The liquidity ratios which are the Liquidity
(LCR) dan Net Stable Funding Rasio (NSFR), Coverage Ratio (LCR) and Net Stable Funding
masing-masing rasio pada bulan Desember Ratio (NSFR) in December 2023 are 265.97%
2023 sebesar 265,97% dan 170,52%, kedua and 170.52%, respectively, both ratios have met
rasio ini telah memenuhi ketentuan regulator the minimum regulatory requirements of 100%.
yaitu minimal sebesar 100%. Dengan tingginya With high LCR and NSFR ratio, the Company's
rasio LCR dan NSFR Perusahaan maka tingkat liquidity risk level is considered to be low and it is
risiko likuiditas Perusahaan dinilai rendah dan reflected that the Company has high-quality
tercermin bahwa Perusahaan memiliki aset assets that are very sufficient to meet the
berkualitas tinggi yang sangat mencukupi untuk Company's obligations.
memenuhi kewajiban Perusahaan.
Selain itu Perusahaan telah selesai In addition, the Company has completed
mengembangkan sistem untuk mengukur developing a system to measure the company's
kemampuan arus kas keluar maksimum (MCO) maximum cash outflow (MCO) capability by
perusahaan secara otomasi dan dihasilkan automation and generated on a daily basis so that
secara harian sehingga perusahaan dapat the company can monitor the company's liquidity
melakukan pemantauan kemampuan likuiditas capabilities and follow up faster if the company
perusahaan serta melakukan tindak lanjut lebih experiences large amounts of liquidity needs.
cepat jika perusahaan mengalami kebutuhan
likuiditas dalam jumlah besar.
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dalam melakukan Pengelolaan terhadap In managing the Company's liquidity, a study is
likuiditas Perusahaan, dilakukan studi untuk conducted to research the pattern of movement of
mempelajari pola pergerakan dana dan/atau funds and/or behavior of Third Party Fund
perilaku nasabah Dana Pihak Ketiga, khususnya customers, particularly core customer funds and
dana nasabah inti dan nasabah yang memiliki customers with fairly high level of volatility. By
tingkat volatilitas cukup tinggi. Dengan studying the customer behavior, the Company
mempelajari perilaku nasabah, maka can maintain adequate liquidity that is
Perusahaan dapat menjaga kecukupan likuiditas appropriately needed in order to fulfill the
yang diperlukan secara tepat dalam rangka Company's obligations on Third Party Funds. The
memenuhi kewajiban perusahaan atas Dana Company always maintains the adequacy of
Pihak Ketiga. Perusahaan selalu menjaga Macroprudential Liquidity Buffer (MLB) at a safe
kecukupan Penyangga Likuiditas level with the amount of adequacy adjusted to the
Makroprudensial (PLM) pada level yang aman Company's specific liquidity conditions and
dengan besaran kecukupan disesuaikan dengan liquidity conditions in the market.
kondisi likuiditas Perusahaan secara spesifik
maupun kondisi likuiditas di pasar.
Perusahaan senantiasa melakukan pemantauan The Company continues to monitor the position of
terhadap posisi core fund dan berupaya untuk core fund and seeks to continually increase
secara berkesinambungan meningkatkan percentage of total funds. Core fund becomes a
persentase terhadap jumlah dana yang dimiliki. very important part of the Company in conducting
Core fund menjadi bagian yang sangat penting intermediation of funds in the form of long-term
bagi Perusahaan dalam menjalankan fungsi supply. This is because the majority of the
intermediasi berupa penyediaan dana jangka Company’s third party fund portfolio has maturity
panjang. Hal ini mengingat portofolio dana pihak of up to 1 (one) year. Efforts are made to raise
ketiga yang dimiliki Perusahaan sebagian besar funds among others to create programs that
berjangka waktu sampai dengan 1 (satu) tahun. require customer funds on hold and can not be
Upaya yang dilakukan untuk meningkatkan dana withdrawn until a specified period in accordance
mengendap antara lain diciptakan program- with the provisions of the program.
program yang mengharuskan dana nasabah
ditahan dan tidak dapat ditarik sampai jangka
waktu tertentu sesuai dengan ketentuan
program.
Dalam rangka mengikuti perkembangan bisnis In order to follow the development of the
Perusahaan yang semakin dinamis serta adanya Company's increasingly dynamic business and
perubahan strategi yang dilakukan Perusahaan changes in strategy carried out by the Company,
maka telah dilakukan back testing dan kaji ulang back testing and review of the methodology used
terkait metodologi yang digunakan untuk for Core Fund calculations have been carried out,
perhitungan Core Fund yaitu menggunakan data which is using historical data for 5 years, looking
historis selama 5 tahun, melihat pergerakan at outstanding movements for 5 years and
outstanding selama 5 tahun dan menghitung calculating with a confidence level of 95%. The
dengan tingkat kepercayaan (confidence level) calculation of back testing and review of
95%. Perhitungan back testing dan kaji ulang methodology has been submitted and approved
metodologi telah disampaikan dan disetujui oleh by the Board of Directors and Board of
Direksi dan Dewan Komisaris melalui Rapat Commissioners through the Meeting and/or
dan/atau melalui sirkulasi Memorandum Internal through the circulation of the Internal
dan/atau melalui e-mail. Memorandum and/or via e-mail.
Pada dasarnya, risiko likuiditas dikelola sesuai Basically, liquidity risk is managed in accordance
dengan kerangka kebijakan, pengawasan, dan with the policy framework, supervision, and
batasan yang memastikan bahwa konsentrasi restrictions that ensure the concentration of
pendanaan bersifat minimal, sumber dan jangka funding is minimal, the resources and funding
waktu pendanaan telah terdiversifikasi. period are diversified.
Berikut adalah jadwal jatuh tempo liabilitas The table below shown the maturities of financial
keuangan (termasuk simpanan dan simpanan liabilities (including deposits and deposits from
dari bank lain berdasarkan prinsip syariah) dan other banks based on sharia principles) and
dana syirkah temporer berdasarkan pembayaran temporary syirkah funds based on contractual
kontraktual pada tanggal 31 Desember 2023 dan payments as of December 31, 2023 and 2022:
2022:
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Page 667
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023
Sampai > 1 Bulan > 3 Bulan > 6 Bulan
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 6 Bulan/ 12 Bulan/
1 Month More than More than More than > 12 Bulan/ Nilai Tercatat/
or 1 Month Until 3 Months Until 6 Months Until More than Carriying
Less 3 Months 6 Months 12 Months 12 Months Value
Liabilitas Liabilities
Liabilities immediately
Liabilitas segera 165.101 - - - - 165.101 payable
Simpanan 32.949.051 1.337.062 513.221 334.938 8.313 35.142.585 Deposits
Simpanan dari bank lain 325.445 2.000 - - - 327.445 Deposits from other banks
Liabilitas akseptasi 51.272 28.608 - - - 79.880 Acceptance payable
Obligasi subordinasi - - - - 496.512 496.512 Subordinated bonds
Beban yang masih harus
dibayar 43.816 - - - - 43.816 Accrued expenses
Liabilitas lain-lain 160.660 - - - - 160.660 Other liabilities
Jumlah Liabilitas 33.695.345 1.367.670 513.221 334.938 504.825 36.415.999 Total Liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan 4.392.299 904.012 1.572.052 135.188 - 7.003.551 Deposits
Simpanan dari bank lain 15.769 - - - - 15.769 Deposits from other banks
Jumlah Dana Syirkah
Temporer 4.408.068 904.012 1.572.052 135.188 - 7.019.320 Total Temporary Syirkah Funds
2022
Sampai > 1 Bulan > 3 Bulan > 6 Bulan
Dengan s.d. s.d. s.d.
1 Bulan/ 3 Bulan/ 6 Bulan/ 12 Bulan/
1 Month More than More than More than > 12 Bulan/ Nilai Tercatat/
or 1 Month Until 3 Months Until 6 Months Until More than Carriying
Less 3 Months 6 Months 12 Months 12 Months Value
Liabilitas Liabilities
Liabilities immediately
Liabilitas segera 129.004 - - - - 129.004 payable
Simpanan 29.908.680 1.179.371 279.210 1.022.530 7.235 32.397.026 Deposits
Simpanan dari bank lain 14.149 - - - - 14.149 Deposits from other banks
Liabilitas akseptasi 49.813 25.501 2.751 - - 78.065 Acceptance payable
Obligasi Subordinasi - - - - 500.000 500.000 Subordinated Bonds
Beban yang masih harus
dibayar 29.078 - - - - 29.078 Accrued expenses
Liabilitas lain-lain 18.918 - - - - 18.918 Other liabilities
Jumlah Liabilitas 30.149.642 1.204.872 281.961 1.022.530 507.235 33.166.240 Total Liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan 5.158.351 987.261 76.601 94.796 - 6.317.009 Deposits
Simpanan dari bank lain 201.403 - - - - 201.403 Deposits from other banks
Jumlah Dana Syirkah
Temporer 5.359.754 987.261 76.601 94.796 - 6.518.412 Total Temporary Syirkah Funds
Sebagian besar liabilitas yang dimiliki oleh Most of the liabilities held by the Company will
Perusahaan akan jatuh tempo dalam waktu mature in less than 1 month, however, based on
kurang dari 1 bulan, namun berdasarkan the experience of the Company, most of these
pengalaman Perusahaan, sebagian besar dari liabilities will be rolled over at maturity. Efforts are
liabilitas tersebut pada saat jatuh tempo akan made by the Company to ensure that customers
diperpanjang (roll over). Upaya yang dilakukan retain their funds in the Company, which is by
Perusahaan agar nasabah tetap improving service quality and offering fair and
mempertahankan dananya pada Perusahaan competitive interest rates. With these efforts, the
yaitu dengan meningkatkan kualitas pelayanan Company also hopes to attract new customers to
serta memberikan penawaran suku bunga yang place their funds in the Company. The Company
wajar dan kompetitif. Dengan upaya tersebut, also made other efforts to mitigate large-scale
Perusahaan juga mengharapkan dapat menarik withdrawals of funds by customers where the
nasabah baru untuk menempatkan dananya Company also monitors 50 core depositors, by
pada Perusahaan. Perusahaan juga melakukan evaluating the profile and behavior of these
upaya lain untuk memitigasi adanya penarikan depositors so that the Company can anticipate
dana secara besar-besaran oleh nasabah large withdrawals of funds that will be made by
dimana Perusahaan juga memantau depositors.
50 deposan inti, dengan cara mengevaluasi profil
dan perilaku dari deposan-deposan tersebut
sehingga Perusahaan dapat melakukan
antisipasi terhadap penarikan dana besar yang
akan dilakukan deposan.
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Page 668
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Untuk mengetahui dampak perubahan faktor To determine the impact of changes in market
pasar maupun faktor internal pada kondisi factors and internal factors in extreme conditions
ekstrim terhadap likuiditas, Perusahaan on liquidity, the Company conducts periodic
melakukan stress testing Risiko Likuiditas secara stress testing of Liquidity Risk. Assumptions
berkala. Asumsi dan/atau skenario serta hasil and/or scenarios and results of stress testing are
stress testing disampaikan dan disetujui oleh submitted and approved by the Risk Management
Komite Manajemen Risiko dan/atau Direksi Committee and/or Board of Directors through risk
melalui rapat komite manajemen risiko atau management committee meetings or through the
melalui sirkulasi Memorandum Internal atau circulation of Internal Memorandums or via email.
melalui email. Dalam melakukan stress testing, In conducting stress testing, the company has
Perusahaan telah melakukan kajian besaran conducted a study of the percentage of outgoing
persentase dana keluar sesuai dengan funds according to customer habits or behavior in
kebiasaan atau behavior nasabah dalam kondisi stressful conditions using historical data from the
stress dengan menggunakan data historis dari last 500 days with a confidence level of 99% for
500 hari terakhir dengan tingkat kepercayaan Bank Specific Crisis (BSC) Scenarios and 4 times
99% untuk Skenario Bank Specific (Bank standard deviations for crisis scenarios in the
Specific Crisis - BSC) dan 4 kali standard deviasi market (General Market Crisis - GMC). Until now,
untuk skenario krisis pada pasar (General the Company has never experienced liquidity
Market Crisis - GMC). Sampai dengan saat ini, difficulties or conditions that potentially pose risks
Perusahaan tidak pernah mengalami kesulitan to the Company.
likuiditas maupun kondisi yang berpotensi
menimbulkan risiko bagi Perusahaan.
Dalam rangka persiapan menghadapi potensi In preparation for potential risks, the Company
risiko, Perusahaan telah memiliki Rencana has established a Bank Indonesia (BI)
Pendanaan Darurat (Contingency Funding Plan) Contingency Funding Plan and Short Term
dan Rencana Pinjaman Likuiditas Jangka Liquidity Loan Plan (PLJP) to avoid liquidity
Pendek (PLJP) Bank Indonesia (BI) untuk difficulties. The Company has a number of
menghindari terjadinya kesulitan likuiditas. anticipatory efforts such as the availability of
Perusahaan memiliki sejumlah upaya antisipasi reserve requirements, secondary reserves, good
seperti ketersediaan Giro Wajib Minimum penetration of the intercompany market, and
(GWM), Cadangan Sekunder, penetrasi yang support from controlling shareholders. In order to
baik terhadap pasar antar perusahaan, serta implement Bank Indonesia's (BI) Contingency
dukungan dari pemegang saham pengendali. Funding Plan (CFP) and Short Term Liquidity
Perusahaan dalam rangka menjalankan Loan (PLJP), the Company formed a special
Rencana Pendanaan Darurat (Contingency team, namely the Contigency Crisis Team (CCT)
Funding Plan (CFP) dan Pinjaman Likuiditas consisting of the Company's highest senior
Jangka Pendek (PLJP) Bank Indonesia (BI) management from the Risk division, Operations
maka membentuk tim khusus yaitu Contigency division, Finance division and business unit led by
Crisis Team (CCT) yang beranggotakan the chairman of ALMA, namely Treasury &
manajemen senior tertinggi Perusahaan baik Financial Institution Group Head. CCT has the
dari divisi Risk, divisi Operation, divisi Finance main task and responsibility, that is carrying out
dan bisnis unit yang dipimpin oleh ketua ALMA the process of monitoring liquidity in the event of
yaitu Treasury & Financial Institution Group a crisis until the restoration of liquidity conditions
Head. CCT memiliki tugas dan tanggung jawab comes back to normal conditions.
utama yaitu melakukan proses pemantauan
likuditas pada saat terjadi krisis sampai dengan
pemulihan kondisi likuiditas kembali ke kondisi
normal.
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Uji coba terkait CFP dan PLJP kepada BI Trials regarding CFP and PLJP to BI are carried
dilakukan secara berkala yang out periodically involving the Board of Directors
mengikutksertakan Direksi dan manajemen and senior management of the Company and the
senior pada perusahaan serta hasil uji coba ini results of these trials are submitted to ALCO, the
disampaikan kepada ALCO, Komite Manajemen Risk Management Committee (RMC) and the
Risiko (KMR) dan Komite Pemantau Risiko Risk Oversee Committee (ROC) which is one of
(KPR) yang merupakan salah satu tugas dan the duties and responsibilities of the Board of
tanggung dari Dewan Komisaris dan Direksi. Commissioners and Board of Directors. CFP
Parameter CFP yang telah di uji coba dan parameters that have been tested and submitted
disampaikan serta disetujui digunakan sebagai and approved are used as a measuring tool for
alat ukur untuk dilakukan pemantauan secara weekly monitoring through Early Warning
mingguan melalui laporan Early Warning Indicator (EWI) reports which can be used as an
Indicators (EWI) yang dapat dijadikan salah satu early warning of company liquidity. Provisions
peringatan dini likuiditas perusahaan. Ketentuan regulated by the regulator, and timely and
yang diatur oleh regulator, dan tepat waktu serta minimizes the potential for operational risk.
meminimalkan potensi risiko operasional.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang antara lain Operational risk is the risk among others, caused
disebabkan oleh ketidakcukupan dan/atau tidak by insufficient and/or malfunctioning of internal
berfungsinya proses internal, kesalahan processes, human error, system failure, or
manusia, kegagalan sistem, atau adanya external problems affecting the Company’s
problem eksternal yang mempengaruhi operations.
operasional Perusahaan.
Risiko operasional dapat menimbulkan kerugian Operational risks may cause financial loss directly
keuangan maupun non-keuangan secara or indirectly, and the potential losses for the loss
langsung maupun tidak langsung dan kerugian of opportunity to earn a profit. Operational risk can
potensial atas hilangnya kesempatan also be attached to each functional activity of the
memperoleh keuntungan. Risiko operasional Company, such as provisions of funds and
juga dapat melekat pada setiap aktivitas investment, operations and services, trade
fungsional Perusahaan, seperti kegiatan financing, funding and debt instruments,
perkreditan (penyediaan dana), treasury dan Information Systems Technology and
investasi, operasional dan jasa, pembiayaan Management Information Systems, and HR
perdagangan, pendanaan dan instrumen utang, management.
Teknologi Sistem Informasi dan Sistem
Informasi Manajemen, serta pengelolaan
sumber daya manusia.
Kebijakan dan prosedur yang terkait dengan Policies and procedures related to the
pengelolaan risiko operasional di Perusahaan management of operational risk in the Company
senantiasa disusun, dikaji ulang dan is always prepared, reviewed and refined to
disempurnakan untuk memastikan kecukupan ensure sufficient control mechanisms that all
mekanisme kontrol pada semua kebijakan dan policies and procedures are adequate. The
prosedur telah memadai. Perusahaan juga Company is also actively socializing to build risk
secara aktif melakukan sosialisasi untuk awareness and improve quality control in order to
membangun budaya sadar risiko dan mitigate operational risk.
meningkatkan kualitas kontrol dalam rangka
mitigasi risiko operasional.
Pengembangan sistem dan penerapan System development and implementation of
perangkat risiko operasional untuk mengukur operational risk tools measure the risk exposure
eksposur risiko pada kondisi sekarang, lampau in current, past (historical) conditions and
(historis) dan untuk mengukur besarnya potensi measure the magnitude of potential risk events in
kejadian risiko di masa depan. Dengan the future. With this approach, the Company is
pendekatan ini, diharapkan Perusahaan dapat expected to be more comprehensive in managing
lebih komprehensif dalam mengelola risiko operational risk.
operasional.
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Page 670
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Proses identifikasi, pengukuran, pemantauan The process of identification, measurement,
dan pengendalian risiko operasional monitoring and control of operational risk is
ditingkatkan dengan melibatkan lini pertama/unit improved by involving the first line/work unit which
kerja yang dilakukan melalui training karyawan is carried out through employee training from staff
mulai dari level staff sampai dengan pejabat, level to officials, reviews of operational
reviu terhadap kebijakan/prosedur operasional, policies/procedures, risk assessment on the
risk assessment atas penerbitan produk issuance of new products and/or activities of the
dan/atau aktivitas baru Perusahaan, serta opini Company, as well as opinions from the Director of
dari Direktur Kepatuhan dan Direktur Compliance and the Director of Risk Management
Manajemen Risiko terkait dengan penerbitan regarding the issuance of the new product and/or
produk dan/atau aktivitas baru tersebut. activity.
Perangkat risiko operasional yang digunakan The operational risk tools used by the Company
oleh Perusahaan antara lain: include:
• Loss Event Database (LED) • Loss Event Database (LED)
Perusahaan membangun dan The Company builds and develops other
mengembangkan perangkat risiko operational risk tools such as Loss Event
operasional lainnya seperti Loss Event Database (LED) which aims to compile a
Database (LED) yang tujuannya untuk database of events that occur as a result of
menyusun database atas kejadian- operational risk and measure the amount of
kejadian yang terjadi sebagai akibat risiko losses caused by these operational events.
operasional serta mengukur besarnya Monitoring is carried out continuously and
kerugian yang diakibatkan oleh kejadian LED reporting is carried out regularly.
operasional tersebut. Pengawasan
dilakukan secara terus menerus dan
pelaporan LED dilakukan secara berkala.
• Risk Control Self Assessment (RCSA) • Risk Control Self Assessment (RCSA)
Risk Control Self Assessment (RCSA) Risk Control Self Assessment (RCSA) is a
merupakan suatu alat dan mekanisme tool and mechanism that aims to identify
yang bertujuan untuk melakukan risks and measure the effectiveness of the
identifikasi risiko dan pengukuran atas implementation of controls that will result in
efektivitas pelaksanaan kontrol yang akan an assessment of the level of risk. RCSA is
menghasilkan penilaian atas tingkat risiko. carried out regularly and continuously to
RCSA dilakukan secara berkala dan improve effectiveness and efficiency in its
berkelanjutan untuk meningkatkan implementation.
efektivitas dan efisiensi dalam
pelaksanaannya.
• Key Risk Indicator (KRI) • Key Risk Indicator (KRI)
Key Risk Indicator (KRI) adalah salah satu Key Risk Indicator (KRI) is one of the tools
perangkat untuk mengelola risiko for managing operational risk which is used
operasional yang digunakan untuk to identify or provide an indicator (early
mengidentifikasi atau memberikan suatu warning signal) and analyze risk from an
indikator (early warning signal) dan early stage on the ups and downs of risk level
menganalisa risiko sejak dini atas naik indicators in order to control any operational
turunnya indikator-indikator tingkat risiko risk inherent in every business and
dalam rangka pengendalian setiap risiko operational activity of the Company. KRI
operasional yang melekat pada setiap reporting is carried out periodically to the
aktivitas bisnis dan operasional management.
Perusahaan. Pelaporan KRI dilakukan
secara berkala kepada pihak manajemen.
Untuk meningkatkan keamanan, Divisi To improve security, the Information Security (IT)
Information Security (IT) telah memiliki Team Division has a Security Operation Center (SOC)
Security Operation Center (SOC) yang bertujuan Team that aims to improve the monitoring process
untuk meningkatkan proses pemantauan of attempted attacks aimed at the Company's
terhadap percobaan serangan yang ditujukan systems 24 hours in a week.
kepada sistem Perusahaan selama 24 jam
dalam seminggu.
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Page 671
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Divisi IT telah mengimplementasikan Operation The IT Division has implemented an Operation
Control Room, dimana ruangan ini digunakan Control Room, where this room is used as a
sebagai pusat untuk pemantauan terhadap center for monitoring the availability and
availability dan performance jaringan kantor, performance of office networks, as well as
serta pemantauan permasalahan pada sistem monitoring problems in the Company's systems.
Perusahaan.
Perusahaan telah memiliki Kebijakan/Prosedur The company already has a critical system
Disaster Recovery Plan (DRP) sistem kritikal, Disaster Recovery Plan (DRP) Policy/Procedure,
yang mengatur rencana pemulihan untuk which regulates recovery plans for disruptions
gangguan yang terjadi pada sistem. that occur in the system.
Dalam rangka fraud awareness, Perusahaan In the context of fraud awareness, the Company
melakukan sosialisasi fraud awareness secara conducts continuous fraud awareness
berkesinambungan, refreshment terhadap socialization, refreshment of the Anti-Fraud
Deklarasi Anti Fraud dan Pakta Integritas untuk Declaration and Integrity Pact to increase
meningkatkan kesadaran karyawan tentang employee awareness of the importance of fraud
pentingnya tindakan pencegahan dan prevention and control measures.
pengendalian terhadap fraud.
Perusahaan juga telah melakukan self The Company has conducted a self-assessment
assessment atas Laporan Hasil Penilaian terkait of the Bank's Cybersecurity Assessment Results
Keamanan Siber Bank Tahun 2023. Secara Report for 2023. Overall, the Assessment Results
keseluruhan Hasil Penilaian terkait Keamanan related to Bank Cybersecurity in 2023 using the
Siber Bank tahun 2023 dengan menggunakan parameters set out in SEOJK No.29/
parameter-parameter yang ditetapkan dalam SEOJK.03/2023 are rated 2nd or Low to
SEOJK No.29/SEOJK.03/2023 dinilai peringkat Moderate with Inherent Risk Assessment related
2 atau Low to Moderate dengan Penilaian Risiko to Cybersecurity rated 2nd or Low to Moderate
Inheren terkait Keamanan Siber dinilai peringkat and the Cybersecurity Maturity Level Assessment
2 atau Low to Moderate dan Penilaian Tingkat is rated 2nd or Satisfactory.
Maturitas Keamanan Siber dinilai peringkat 2
atau Satisfactory.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang timbul dari Legal risk is the risk arising from the weakness of
kelemahan aspek hukum, antara lain akibat dari the legal aspects, including among others the
tindakan hukum, tidak adanya peraturan yang result of legal action, the absence of supporting
mendukung atau kelemahan dari ketentuan- regulations or vulnerability in the legally binding
ketentuan yang mengikat secara hukum, seperti regulations, such as failure to comply with the
kegagalan untuk mematuhi persyaratan hukum legal requirements of an agreement or loopholes
suatu perjanjian dan celah-celah dalam in the attach collateral.
pengikatan jaminan.
Pelaksanaan identifikasi, pengukuran, dan Implementation of the identification,
pemantauan terhadap potensi risiko hukum measurement, and monitoring of potential legal
dilaksanakan terhadap seluruh aktivitas risks are undertaken by all the Company's
Perusahaan, terutama kegiatan operasional activities, especially the Company's operational
Perusahaan dengan melibatkan pihak ketiga activities involving third parties who have a
yang memiliki potensi benturan kepentingan conflict of interest or potential litigation.
atau gugatan hukum.
Dalam rangka mitigasi potensi risiko hukum, In order to mitigate potential legal risks, the
Perusahaan melakukan hal-hal berikut: Company does the following: conducts studies on
melakukan kajian terhadap kesesuaian the suitability of cooperation agreements with
perjanjian kerjasama dengan pihak eksternal, external parties, refines policies and procedures
menyempurnakan kebijakan dan prosedur as part of mitigating legal risks.
sebagai bagian dari mitigasi risiko hukum.
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Page 672
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Dalam rangka pemantauan atas penyelesaian In the context of monitoring the settlement of
terhadap gugatan hukum, unit kerja Legal bagian lawsuits, the Legal work unit in the Litigation
Litigasi melakukan pendampingan dan hadir section provides assistance and is present at
dalam setiap persidangan/panggilan kepolisian every legal risk court/police summons.
risiko hukum.
Risiko Stratejik Strategic Risk
Risiko stratejik adalah risiko yang antara lain Strategic risk is a risk that among others arises
disebabkan oleh adanya penetapan dan from inadequate decree and implementation of
pelaksanaan strategi Perusahaan yang tidak the Company’s strategies, incorrect business
tepat, pengambilan keputusan bisnis yang tidak decision, or irresponsiveness to external
tepat atau kurang responsifnya Perusahaan changes.
terhadap perubahan eksternal.
Perusahaan telah menyusun strategi dan The Company has formulated the business
rencana bisnis yang sebelumnya telah strategies and plans based on discussions from
didiskusikan dengan Dewan Komisaris, Direksi the Board of Commissioners, Directors and all of
serta seluruh manajemen Perusahaan. Company’s management. The Company also
Perusahaan juga melakukan kajian dan evaluasi reviews and evaluate business strategy and its
stratejik bisnis serta realisasi yang telah dicapai realization achieved by the Company based on
oleh Perusahaan sesuai dengan yang the Company’s Business Plan.
terangkum dalam Rencana Bisnis Perusahaan.
Secara umum, untuk posisi 31 Desember 2023, In general, for the position of December 31, 2023,
Perusahaan telah mencapai realisasi yang baik the Company has achieved good realization in
pada pos-pos keuangan seperti Net Interest financial items such as Net Interest Margin (NIM),
Margin (NIM), Capital Adequacy Ratio (CAR), Capital Adequacy Ratio (CAR), Non-Performing
Non-Performing Loan (NPL) Gross, dan Non Loan (NPL) Gross, and Non Performing Loan
Performing Loan (NPL) Net. Perusahaan secara (NPL) Net. The Company also gradually made
bertahap juga melakukan penyempurnaan pada improvements to the entire process of the
seluruh proses aktivitas bisnis Perusahaan untuk Company's business activities to further
lebih mengakselerasi pencapaian kinerja sesuai accelerate the achievement of performance in
dengan target yang ditentukan. accordance with the specified targets.
Sesuai dengan rencana stratejik Perusahaan, In accordance with the Company's strategic plan,
maka Perusahaan mulai mempersiapkan the Company began to prepare strategies and
strategi dan infrastruktur terkait rencana aktivitas infrastructure related to the planned activities for
pendirian PT Bank Nano Syariah sebagai anak the establishment of PT Bank Nano Syariah as a
usaha, antara lain melalui persiapan spin off subsidiary, including through preparations for the
UUS menjadi Bank Nano Syariah pada Triwulan spin-off of UUS to become Bank Nano Syariah in
I - Tahun 2024 dan pengembangan Digital the first quarter of 2024 and the development of
Banking yang bekerjasama dengan pihak ketiga Digital Banking in collaboration with third parties
dalam rangka pemberian kredit melalui platform in the context of providing credit through the
mobile banking (Digital Loan) secara bertahap. mobile banking platform (Digital Loan) in stages.
Selama Triwulan IV – Desember 2023, During the Fourth Quarter – December 2023, the
Perusahaan berusaha mengembangkan bisnis Company seeks to expand its business by
dengan melakukan diversifikasi produk dengan diversifying its products through development of
mengembangkan beberapa produk/aktivitas several new products/activities such as:
baru seperti:
• Layanan Nasabah Prima, yaitu layanan • Excellent Customer Service, which is a
khusus yang diberikan kepada nasabah special service provided to customers with
dengan kriteria tertentu yang ditetapkan certain criteria set by the Company,
oleh Perusahaan, mencakup atas produk, including products, transactions, and other
transaksi, serta layanan khusus lainnya special services that can increase
yang dapat meningkatkan engagement customer engagement with the Company -
nasabah dengan Perusahaan - telah Live has been Live on December 12, 2023; and
pada 12 Desember 2023; dan
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Page 673
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
• Education Financing (UUS), yaitu Fasilitas • Education Financing (UUS), which is a
pembiayaan dengan tujuan bantuan atas financing facility with the aim of assistance
kebutuhan dana pendidikan - telah Live for education funding needs - has been
pada 13 Desember 2023. Live on December 13, 2023.
Terkait dengan kondisi Pasca-Pandemi Covid- Related to the Post-Covid-19 Pandemic
19 pada Triwulan IV – Desember 2023, conditions in the fourth quarter – December 2023,
Perusahaan mengambil sejumlah strategi dalam the Company took a number of strategies in order
rangka mempertahankan kinerja Perusahaan to maintain the Company's performance such as
seperti melakukan langkah antisipatif taking anticipatory steps for the spread of the
penyebaran virus di lingkungan kantor dengan virus in the office environment by conducting split
melakukan split operation unit critical, aktivitas critical unit operations, hybrid operational
operasional secara hybrid (separuh dilakukan di activities (half carried out at home (Work From
rumah (Work From Home) dan separuh Home) and half carried out in the office (Work
dilakukan di kantor (Work From Office), dan From Office), and other preventive measures. In
tindakan pencegahan lainnya. Di samping itu, addition, the Company is also increasingly
Perusahaan juga semakin gencar melakukan socializing the use of digital transactions through
sosialisasi penggunaan transaksi digital melalui SIMOBI. The Company also develops
SIMOBI. Perusahaan juga mengembangkan cooperation with digital platforms in lending and
kerjasama dengan platform digital dalam digital banking as a whole. At the end of
penyaluran kredit (digital loan) dan digital December 2022, the government has revoked the
banking secara keseluruhan. Pada akhir tahun Community Activity Restriction (PPKM) program
Desember 2022, Pemerintah telah mencabut through Home Affairs Instructions number 50 and
program Pemberlakuan Pembatasan Kegiatan 51 of 2022. This revocation gives a positive signal
Masyarakat (PPKM) melalui Instruksi Mendagri to the Indonesian economy. The Company began
nomor 50 dan 51 Tahun 2022. Pencabutan ini to redevelop its business by disbursing loans that
memberikan sinyal positif terhadap prioritize prudential principles by providing credit
perekonomian Indonesia. Perusahaan mulai more selectively, implementing restructuring and
mengembangkan kembali bisnis dengan maintaining the Company's liquidity and capital at
menyalurkan kredit yang mengutamakan prinsip an adequate level so that the Company's
kehati-hatian dengan pemberian kredit secara operational and business activities can run
lebih selektif, adanya pelaksanaan smoothly.
restrukturisasi serta menjaga likuiditas dan
permodalan Perusahaan pada level yang
memadai sehingga aktivitas operasional dan
bisnis Perusahaan dapat berjalan dengan
lancar.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang Compliance risk is the risk caused by the
disebabkan Perusahaan tidak mematuhi atau Company is not complying or not implementing
tidak melaksanakan peraturan perundang- the prevailing laws and regulations, such as Net
undangan dan ketentuan lain yang berlaku, Open Position (PDN), Minimum Statutory
seperti Posisi Devisa Neto (PDN), Giro Wajib Reserves (GWM), Non-Performing Loan (NPL)
Minimum (GWM), Non-Performing Loan (NPL) Netto, Provisions for Minimum Capital Adequacy
Netto, Ketentuan Kewajiban Penyediaan Modal Rasio (CAR), Maximum Credit Lending Limit
Minimum (KPMM), Batas Maksimum Pemberian (LLL).
Kredit (BMPK).
Dalam rangka menerapkan manajemen risiko In order to implement an effective compliance risk
kepatuhan yang efektif, Perusahaan telah management, the Company identifies and
melakukan identifikasi dan pengelolaan manages the factors that can cause the increment
terhadap faktor-faktor yang dapat menyebabkan in compliance risk exposure, as follows:
meningkatnya eksposur risiko kepatuhan, yaitu:
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PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
• Meningkatkan kesadaran atas budaya • Increase awareness of the culture of
patuh melalui program kampanye compliance through a compliance
kepatuhan (Compliance Campaign) yang campaign program (Compliance
dilakukan ke seluruh jajaran organisasi Campaign) carried out at all levels of the
Perusahaan termasuk jaringan cabang Company's organization including branch
melalui pelatihan kelas dan E-Learning, networks through classroom training and
media komunikasi internal, sosialisasi E-Learning, internal communication media,
peraturan baru dari regulator maupun dissemination of new regulations from
Peraturan perundang-undangan lainnya. regulators and other laws and regulations.
Evaluasi terhadap program pelatihan, Evaluation of training programs,
sosialisasi dan kampanye kepatuhan socialization and compliance campaigns is
dilakukan secara berkala untuk carried out regularly to ensure the
memastikan efektifitas penyampaian, effectiveness of the delivery,
pemahaman serta pemenuhan kepatuhan understanding and compliance of all levels
pada seluruh jajaran organisasi on the Company's organization.
Perusahaan.
• Menyusun dan menerbitkan Manual Level • Prepare and publish Manual Level as a
sebagai panduan hierarki ketentuan hierarchy guide for internal regulations as
internal serta panduan unit-unit kerja well as guidelines for the Company work
Perusahaan dalam menyusun, units in preparing, publishing and reviewing
menerbitkan serta mengkaji ketentuan internal regulations.
internal.
• Dilakukan proses review terhadap seluruh • Review process is carried out on all internal
ketentuan internal Perusahaan untuk regulations of the Company to ensure
memastikan kesesuaian dengan compliance with the latest regulatory
ketentuan regulator yang terkini, provisions, ensure that there are no
memastikan tidak adanya ketentuan yang overlapping or conflicting provisions,
tumpang tindih atau saling bertentangan, improve risk control and simplify the
meningkatkan kontrol risiko serta process and number of regulations.
simplifikasi proses dan jumlah aturan.
• Melakukan pemantauan, memperdalam • Monitoring, deepening impact analysis and
analisa dampak serta menyusun tindak formulating effective follow-up on new
lanjut yang efektif atas peraturan baru regulations issued by OJK, Bank Indonesia
yang diterbitkan OJK, Bank Indonesia dan and other regulators. Dissemination and
regulator lainnya. Sosialisasi dan communication of new laws and
komunikasi atas peraturan perundang- regulations, impact analysis and follow-up
undangan baru, analisa dampak serta are carried out both through direct
tindak lanjut dilakukan baik melalui meetings with related units and through
pertemuan langsung dengan unit-unit internal communication media that are
terkait maupun melalui media komunikasi conveyed to the board of directors,
internal yang disampaikan ke jajaran commissioners, executive officers,
direksi, komisaris, pejabat eksekutif, management employees and all of the
karyawan pimpinan maupun seluruh Company’s employees.
karyawan Perusahaan.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain Reputation risk is a risk among others that from
disebabkan oleh adanya publikasi negatif yang negative publication of the Company’s activity or
terkait dengan kegiatan usaha Perusahaan atau negative perception on the Company.
persepsi negatif terhadap Perusahaan.
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Page 675
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Salah satu upaya yang dilakukan Perusahaan One of the Company’s efforts to improve
untuk meningkatkan pengelolaan risiko reputasi reputation risk management includes among
antara lain melalui Contact Center untuk others through the Contact Center for providing
memberikan layanan informasi perbankan serta banking information services as well as receiving
menerima keluhan/pengaduan nasabah, complaints/customer’s complaints, Corporate
Corporate Secretary yang memberikan informasi Secretary for providing information that needs to
yang perlu disampaikan kepada be communicated to public/stakeholders related
publik/stakeholders terkait aktivitas Perusahaan, to the Company’s activity, as well as officers in the
serta petugas di kantor-kantor cabang yang office branches that at any time, provide
setiap saat dapat memberikan informasi kepada information to customers.
nasabah.
Selain itu pengendalian risiko reputasi juga In addition, the reputation risk control is also
dilakukan antara lain dengan melalui carried out, among others, through monitoring
pemantauan yang dilakukan oleh Unit Kerja conducted by the Corporate Secretary Working
Corporate Secretary terhadap berita yang Unit on news related to the Company in mass
berkaitan dengan Perusahaan di media massa. media.
Transparansi produk yang ditawarkan kepada Transparency of products offered to customers is
nasabah sesuai dengan Peraturan Bank in accordance with Bank Indonesia Regulations
Indonesia mengenai Transparansi produk regarding product transparency through the
melalui website Perusahaan, serta upaya Company's website, as well as efforts to improve
peningkatkan standar layanan nasabah dengan customer service standards by conducting service
melakukan service excellence training kepada excellence training to officers, providing Service
para petugas, adanya unit kerja Service Quality Quality (SQ) work units to ensure the quality of
(SQ) yang bertugas untuk memastikan kualitas services provided by bank officers to customers
pelayanan yang diberikan oleh petugas bank and the existence of Quality Assurance in Contact
kepada nasabah serta terdapatnya Quality Center work units to ensure the quality of services
Assurance pada unit kerja Contact Center untuk from Call Center Agents and Telemarketing
memastikan kualitas pelayanan dari Agent Call Agents.
Center maupun Agent Telemarketing.
Selama Semester II – Desember 2023 tidak During Semester II - December 2023, there are no
terdapat kejadian-kejadian yang telah merugikan events which potentially harm the Company's
reputasi Perusahaan, tidak terdapat reputation, no negative news in the mass media,
pemberitaan negatif di media massa, violations of business ethics, and customer
pelanggaran etika bisnis, dan keluhan nasabah complaints or other things that can cause
atau hal-hal lain yang dapat menyebabkan Reputation Risk.
Risiko Reputasi.
Mengingat bahwa Perusahaan juga memiliki Unit Given that the Company also has a Sharia
Usaha Syariah (UUS) maka pengelolaan risiko Business Unit (UUS), risk management is not only
tidak hanya dilakukan pada 8 (delapan) risiko, carried out on 8 (eight) risks, but there are
akan tetapi terdapat tambahan 2 (dua) jenis additional 2 (two) types of other risks that are
risiko lainnya yang dikelola yaitu: managed, namely:
Risiko Investasi Investment Risk
Risiko Investasi adalah Risiko akibat Investment Risk is the risk due to the Company
Perusahaan ikut menanggung kerugian usaha share in the loss of the customer's business
nasabah yang dibiayai dalam pembiayaan financed in the profit-sharing based financing
berbasis bagi hasil baik yang menggunakan using the net revenue sharing method or the profit
metode net revenue sharing maupun yang and loss sharing method.
menggunakan metode profit and loss sharing.
Risiko investasi UUS Sinarmas telah dilakukan The investment risk of UUS Sinarmas has been
pengelolaan secara cukup baik. UUS juga terus managed quite well. UUS also continues to
meningkatkan proses pengelolaan dalam improve the management process in financing,
pembiayaan terutama pada proses analisa especially in the process of financing analysis,
pembiayaan, pemantauan, dan sistem monitoring, and the UUS financing administration
administrasi pembiayaan UUS. system.
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Page 676
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Risiko Imbal Hasil Rate of Return Risk
Risiko imbal hasil (Rate of Return Risk) adalah Rate of Return Risk is the risk due to changes in
Risiko akibat perubahan tingkat imbal hasil yang the rate of return paid by the Company to
dibayarkan Perusahaan kepada nasabah, customers, due to changes in the level of returns
karena terjadi perubahan tingkat imbal hasil received by the Company from channeling funds,
yang diterima Perusahaan dari penyaluran dana, which can affect the behavior of the Company's
yang dapat mempengaruhi perilaku nasabah third party fund customers. UUS Sinarmas return
dana pihak ketiga Perusahaan. Pengelolaan risk management has been well managed. UUS
risiko imbal hasil UUS Sinarmas telah dikelola also continues to strive to further improve its
secara baik. UUS juga terus berupaya untuk internal ability to provide returns in accordance
semakin meningkatkan kemampuan dalam with customer expectations.
memberikan tingkat imbal hasil sesuai dengan
ekspektasi nasabah.
Selain itu, Perusahaan juga merupakan Entitas In addition, the Company is also the Main Entity
Utama (EU) dalam Konglomerasi Keuangan (EU) in the Sinar Mas Financial Conglomerate.
Sinar Mas. Pengelolaan risiko oleh EU dalam Risk management by the EU in financial
konglomerasi keuangan dilakukan dengan conglomerates is carried out by adding other risks
menambahkan risiko lain selain 8 (delapan) besides the 8 (eight) main risks, namely in the
risiko utama yaitu berupa Risiko Transaksi Intra- form of Intra-group Transaction Risk and
grup dan Risiko Asuransi. Insurance Risk.
1. Risiko Transaksi Intra-grup adalah risiko 1. Intra-group Transaction Risk is the risk due
akibat ketergantungan suatu entitas baik to the dependence of an entity, either directly
secara langsung maupun tidak langsung or indirectly, on another entity in a Financial
terhadap entitas lainnya dalam satu Conglomeration in the context of fulfilling the
Konglomerasi Keuangan dalam rangka obligations of a written agreement or an
pemenuhan kewajiban perjanjian tertulis unwritten agreement, whether followed by a
maupun perjanjian tidak tertulis baik yang transfer of funds and/ or not followed by a
diikuti perpindahan dana dan/atau tidak transfer of funds. In the management of
diikuti perpindahan dana. Dalam these intragroup transactions, the Company
pengelolaan transaksi intragrup tersebut always puts forward principles, such as
Perusahaan selalu mengedepankan approval for each transaction in accordance
prinsip-prinsip antara lain seperti adanya with the authority of each entity, transactions
persetujuan untuk setiap transaksi sesuai are carried out in accordance with prudential
dengan kewenangan di masing-masing principles and arm length principles and in
entitas, transaksi dilaksanakan sesuai accordance with regulatory procedures and
prinsip kehati-hatian dan prinsip arm regulations.
length serta sesuai dengan prosedur
maupun ketentuan regulator.
2. Risiko asuransi adalah risiko akibat 2. Insurance risk is the risk due to failure of the
kegagalan perusahaan asuransi insurance company to fulfill its obligations to
memenuhi kewajiban kepada pemegang policyholders as a result of inadequate risk
polis sebagai akibat dari ketidakcukupan selection processes (underwriting),
proses seleksi risiko (underwriting), determination of premiums (pricing), use of
penetapan premi (pricing), penggunaan reinsurance, and / or handling of claims.
reasuransi, dan/atau penanganan klaim. Insurance risk is managed considering that
Risiko asuransi dikelola mengingat in a financial conglomerate there is a
didalam konglomerasi keuangan terdapat financial service institution in the form of an
lembaga jasa keuangan berupa insurance company.
perusahaan asuransi.
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Page 677
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Perusahaan selaku Entitas Utama Konglomerasi The Company as the Main Entity of Sinarmas
Keuangan Sinarmas telah melakukan peniliaian Financial Conglomerate has conducted self-
sendiri (self assesment) secara berkala assessment periodically at least once every 6
minimum 6 (enam) bulan sekali sesuai dengan (six) months in accordance with the stipulated
ketentuan yang telah ditetapkan. Pada provisions. In December 2023, a review of the
Desember 2023 telah dilakukan kaji ulang parameters, risk weights and risk profile
parameter, bobot risiko dan threshold profil risiko thresholds that have been prepared, submitted
yang telah disusun, disampaikan dan disetujui and approved by the Integrated Risk
oleh Komite Manajemen Risiko Terintegrasi Management Committee and disseminated for
serta di sosialisasikan untuk digunakan pada use during the self-assessment of the risk profile
saat penilaian sendiri (self assesment) profil of the December 2023 position to be submitted to
risiko posisi Desember 2023 untuk disampaikan regulators.
kepada regulator.
Penilaian Profil Risiko Risk Profile Assessment
Secara berkala Perusahaan melakukan The Company periodically conducts risk
penilaian risiko terhadap kedelapan risiko diatas assessment of the eighth risks above per OJK’s
sebagaimana telah diatur oleh OJK. Penilaian regulation. The Company’s risks assessment is
risiko dilakukan melalui proses penilaian sendiri evaluated through self assessment process to
(self-assessment) untuk menghasilkan profil produce a risk profile which consists of inherent
risiko yang terdiri dari risiko inheren yaitu risiko risks to the Company’s activity and the quality of
yang melekat pada aktivitas Perusahaan dan risk management implementation i.e. control of
kualitas penerapan manajemen risiko yaitu inherent risk.
pengendalian terhadap risiko inheren.
Pada Triwulan IV – Desember 2023, perusahaan In the Fourth Quarter – December 2023, the
telah melakukan penilaian Profil Risiko Company has assessed Risk Profile of the
Perusahaan dan Unit Usaha Syariah dengan Company and Sharia Business Unit using the
menggunakan parameter, rentang risiko dan parameters, risk range and risk weights set by the
bobot risiko yang telah ditetapkan oleh Komite Risk Management Committee and/or Board of
Manajemen Risiko dan/atau Direksi. Directors.
Secara keseluruhan penilaian komposit hasil Overall, the composite assessment of the results
penilaian sendiri (self assesment) profil risiko of the self-assessment of the risk profile for the
Triwulan IV – Desember 2023 berada pada fourth quarter – December 2023 is ranked 2 (two)
peringkat 2 (dua) - Low to Moderate dengan tren - Low to Moderate with a stable trend with inherent
stabil dengan penilaian risiko melekat (inheren risk assessment at rank 2 (two) or Low to
risk) pada peringkat 2 (dua) atau Low to Moderate and the Quality of Risk Management
Moderate dan Kualitas Penerapan Manajemen Implementation (KPMR) at rank 2 (two) or
Risiko (KPMR) pada peringkat 2 (dua) atau Satisfactory.
Satisfactory.
Selain itu, perusahaan selaku Entitas Utama In addition, the company as the Main Entity has
telah melakukan penilaian sendiri (self conducted a self-assessment of the Risk Profile
assesment) atas Laporan Profil Risiko Report of Sinarmas Financial Conglomerate in the
Konglomerasi Keuangan Sinarmas pada Second Semester – December 2023.
Semester II – Desember 2023. Secara komposit Compositely, the Risk Profile Report of Sinarmas
Laporan Profil Risiko Konglomerasi Keuangan Financial Conglomeration is assessed at rank 2
Sinarmas dinilai pada peringkat 2 (dua) atau Low (two) or Low to Moderate with a stable trend with
to Moderate dengan tren stabil dengan penilaian inherent risk assessment at rank 2 (two) or Low to
risiko melekat (inheren risk) pada peringkat 2 Moderate and Quality of Risk Management
(dua) atau Low to Moderate dan Kualitas Implementation (KPMR) at rank 2 (two) or
Penerapan Manajemen Risiko (KPMR) pada Satisfactory.
peringkat 2 (dua) atau Satisfactory.
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Page 678
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
44. Informasi Lainnya 44. Other Information
Perusahaan telah menghitung beberapa rasio Company has calculated certain ratios as of
pada tanggal 31 Desember 2023 dan 2022 (tidak December 31, 2023 and 2022 (unaudited) as
diaudit) sebagai berikut: follow:
2023 2022
Aset produktif bermasalah terhadap Impaired productive assets to
total aset produktif 1,66% 3,14% total productive assets
Non Performing Loan (NPL) Non Performing Loan (NPL)
NPL secara bruto 1,53% 7,99% NPL gross
NPL secara neto 0,35% 2,49% NPL net
Loan to Deposit Ratio (LDR) 40,94% 41,07% Loan to Deposit Ratio (LDR)
Return On Assets (ROA) 0,15% 0,54% Return On Assets (ROA)
Return On Equity (ROE) 1,07% 3,27% Return On Equity (ROE)
Cadangan kerugian penurunan nilai Allowance for impairment losses
kredit terhadap kredit yang diberikan 9,99% 13,68% of net loans to total loans
a. Pada tanggal 31 Desember 2023 dan 2022, a. As of December 31, 2023 and 2022, there are
tidak terdapat penyediaan dana kepada no loans granted to related and third parties
pihak berelasi dan pihak ketiga yang which had exceeded the Company’s Legal
melampaui Batas Maksimum Pemberian Lending Limit (LLL).
Kredit (BMPK) Perusahaan.
b. Penerapan Program Anti Pencucian Uang b. Application of Anti-Money Laundering and
dan Pencegahan Pendanaan Terorisme Combating the Financing of Terrorism (APU
(APU dan PPT). and PPT).
Perusahaan senantiasa menerapkan prinsip The Company continues to apply the
APU dan PPT dalam pelaksanaan aktivitas principle of APU and PPT in the
pengenalan nasabah dengan mengacu implementation of customer recognition
pada kebijakan dan prosedur APU dan PPT activities with reference to the policies and
yang telah disempurnakan sesuai dengan procedures for APU and PPT that has been
Peraturan Bank Indonesia No. perfected in accordance with Bank Indonesia
14/27/PBI/2012 tentang Penerapan Regulation No. 14/27/PBI/2012 on
Program Anti Pencucian Uang dan Application of Anti-Money Laundering and
Pencegahan Pendanaan Terorisme Bagi Combating the Financing of Terrorism for
Bank Umum. Commercial Bank.
Kewajiban untuk menerapkan prinsip APU The obligation to apply the principles of APU
dan PPT tidak hanya terdapat dalam and PPT is not only contained in the
Peraturan Bank Indonesia saja, tetapi juga Regulation of Bank Indonesia, but also
ditegaskan dalam Undang-Undang Nomor 8 affirmed in Law No. 8 of 2010 on the
Tahun 2010 tentang Pencegahan dan Prevention and Suppression of Money
Pemberantasan Tindak Pidana Pencucian Laundering (Article 19), which basically
Uang (Pasal 19), yang pada intinya states that any person doing business with
menjelaskan bahwa setiap orang yang financial service providers must submit a
melakukan usaha dengan penyedia jasa complete identity, that besides financial
keuangan harus menyerahkan identitas diri services providers should also make sure the
secara lengkap, disamping itu penyedia jasa people who engage in business relations act
keuangan juga harus memastikan orang for themselves or others. If acting for others,
yang melakukan hubungan usaha bertindak then financial services providers should
untuk diri sendiri atau orang lain. Jika request information about the identity of the
bertindak untuk orang lain, maka penyedia other party.
jasa keuangan harus meminta informasi
mengenai identitas pihak lain tersebut.
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Page 679
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Perusahaan akan terus memastikan bahwa The Company will continue to ensure that the
kebijakan dan prosedur tertulis mengenai policies and procedures of the APU and PPT
program APU dan PPT sejalan dengan programs are in line with the development
perkembangan modus pencucian uang atau mode of money laundering or terrorist
pendanaan terorisme. financing.
Pengkinian terhadap seluruh data nasabah Updating of all customer data by the
dilakukan Perusahaan secara terus- Company is on an ongoing basis using an
menerus dengan menggunakan approach based on the risk inherent in the
pendekatan berdasarkan risiko yang development of the client and updating
melekat pada nasabah yang bersangkutan customer data submitted to Bank Indonesia
dan perkembangan pengkinian data through the Director of Compliance Reports.
nasabah dikirimkan oleh Perusahaan
kepada Bank Indonesia melalui Laporan
Direktur Kepatuhan.
Pelatihan secara berkala kepada seluruh Periodic training of all employees regarding
karyawan Perusahaan mengenai APU dan the APU and PPT and prudential banking
PPT dan peraturan prudential banking regulations is made by the Compliance Unit
dilakukan oleh Unit Kepatuhan guna in order to create a culture of compliance in
mewujudkan budaya kepatuhan pada all business lines of the Company. Training is
seluruh lini bisnis Perusahaan. Pelatihan done through e-learning that can be
dilakukan melalui e-learning yang dapat accessed by employees of the Company and
diakses oleh karyawan Perusahaan serta through face-to-face method periodically.
melalui metode tatap muka secara periodik.
c. Jaminan Pemerintah Terhadap Liabilitas c. Government Guarantee on Obligations of
Pembayaran Bank Umum Commercial Banks
Program penjaminan Pemerintah Government guarantee program is
dilaksanakan oleh Lembaga Penjamin implemented by the Deposit Guarantor
Simpanan (LPS). Agency (LPS).
LPS akan membayarkan klaim penjaminan The Deposit Guarantor Agency will settle the
yang layak dibayar setelah melalui prosedur qualified guaranteed claims based on results
rekonsiliasi dan/atau verifikasi sesuai of reconciliation and/or verification
dengan Peraturan Lembaga Penjamin procedures in accordance with prevailing
Simpanan (PLPS) yang berlaku. Deposit Guarantor Agency Regulations.
d. Kegiatan Wali Amanat d. Trusteeship Activities
Perusahaan memperoleh izin untuk The Company was granted with the license
menyelenggarakan kegiatan Wali Amanat to conduct trusteeship activity from the
dari Otoritas Jasa Keuangan (OJK) (d/h. Capital Market Supervisory Agency
BAPEPAM-LK) berdasarkan Surat Tanda (Bapepam-LK, now known as the Financial
Terdaftar Sebagai Wali Amanat No. Services Authority or "OJK") based on the
01/BL/STTD-WA/2009 tanggal 27 Agustus decision letter No. 01/BL/STTD-WA/2009
2009 dan telah diperbarui sesuai surat OJK dated August 27, 2009 which was renewed
nomor S-682/PM.223/2022 tanggal as per the letter of the OJK number
22 Agustus 2022. S-682/PM.223/2022 dated August 22, 2022.
- 143 -
Page 680
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Jasa-jasa yang dilakukan oleh Perusahaan The services provided by the Company as a
sebagai Wali Amanat adalah sebagai trustee are as follows:
berikut:
1. Jasa Jasa wali amanat dan agen 1. Trustee and monitoring agent services
pemantau untuk penerbitan obligasi/ for the issuance of bonds/sukuk and
sukuk dan MTN. MTN.
2. Jasa agen penjamin. 2. Security agent service.
Sejak tahun 2010 Perusahaan telah Since 2010, the Company has acted as
mewaliamanati 3 obligasi dengan nilai emisi Trustee for 3 bonds issuance with emission
sebesar Rp 2,8 triliun dan 21 MTN dengan value of Rp2.8 trillion and 21 MTN issuance
total emisi sebesar Rp 4,11 triliun. with total issuance of Rp4.11 trillion.
e. Kegiatan Jasa Kustodian e. Custodian Services Activities
Perusahaan memberikan jasa kustodian The Company has provides custodian
dan memperoleh izin jasa kustodian services and obtained license to provide
berdasarkan Surat Keputusan Bapepam-LK custodian services from the Capital Market
No. KEP-21/BL/2012 tanggal 30 Januari Supervisory Agency (Bapepam-LK, now
2012 yang diperbaharui dengan Surat known as the Financial Services Authority or
Otoritas Jasa Keuangan (OJK) nomor "OJK") based on Decree No. KEP-
S-682/PM.223/2022 tanggal 22 Agustus 21/BL/2012 dated January 30, 2012 which
2022. was renewed by Letter of the OJK number
S-682/PM.223/2022 dated August 22, 2022.
Sejak September 2022, Perusahaan telah Since September 2022, the Company has
menyediakan jasa-jasa kustodian yang provided custodial services which in general
secara garis besar dapat dibagi menjadi dua can be divided into two, Custody Services
yaitu Layanan Kustodian Umum dan and Fund Services.
Layanan Pengadministrasian Fund.
Layanan Kustodian Umum terdiri dari Custody Services consist of safekeeping and
penyimpanan dan penyelesaian transaksi settlement of securities transaction,
efek, pengurusan hak-hak nasabah yang management of rights attached to customer’s
melekat pada efek, dan jasa perwakilan securities, and proxy services at GSM and
pada RUPS dan Rapat Umum Pemegang General Bondholder’s Meeting (GBM).
Obligasi (RUPO).
Layanan Pengadministrasian Fund untuk Fund Services for mutual funds, discretionary
reksa dana, kontrak pengelolaan dana fund, unit links and other collective
(KPD), unit link dan produk-produk berbasis investment contract-based products, consist
kontrak investasi kolektif lainnya yang of fund accounting services and unit
terdiri-dari layanan Fund Accounting dan registry/transfer agent services for
jasa unit registrar untuk pengadministrasian administering unit participation in these
unit penyertaan produk-produk tersebut. products.
Aset nasabah yang diadministrasikan Administered customer assets include assets
meliputi asset yang disimpan dan custodised at the domestic central custodian
ditatausahakan di sentral kustodian (KSEI) and global securities depository
domestic (KSEI) dan Global Securities (Clearstream).
Depository (Clearstream).
Saat ini Bank Kustodian Perusahaan sudah Currently, the Custodian Bank has individual
memiliki nasabah baik individu maupun and institutional customers from various
institusional dari berbagai industri seperti industries such as banks, investment
Bank, Manajer Investasi, Perusahaan managers, securities companies, insurance,
Sekuritas, Asuransi, Dana Pensiun dan financial institution pension funds and other
Korporasi lainnya. corporations.
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Page 681
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Perusahaan mengasuransikan portofolio The Company insures the customer's
nasabah yang disimpan di Bank Sinarmas portfolio held at Bank Sinarmas Custodian
Kustodian terhadap kemungkinan kerugian against possible losses arising from
yang timbul dari penyimpanan dan securities depository and transfer in
pemindahan efek sesuai dengan ketentuan accordance with Financial Services Authority
Otoritasi Jasa Keuangan. (OJK) regulations.
45. Informasi Keuangan Unit Syariah 45. Financial Information of Sharia Unit
Perusahaan memperoleh izin usaha sebagai The Company obtained its license to conduct
bank yang melakukan kegiatan usaha business under sharia principles based on the
berdasarkan prinsip syariah berdasarkan Surat Decree from Deputy Governor of Bank Indonesia
Keputusan Deputi Gubernur Bank Indonesia No. 11/13/Kep.DpG/2009 dated October 27,
No. 11/13/Kep.DpG/2009 tanggal 27 Oktober 2009.
2009.
Sesuai dengan Surat dari BI No.10/57/DpG/ In accordance with BI Letter No.10/57/DpG/
DPbS tanggal 27 Mei 2008 perihal DPbS dated May 27, 2008 regarding “Uniformity
”Penyeragaman Nama Produk dan Jasa of Names of Products and Services under Islamic
Perbankan Syariah”, mulai bulan September Banking”, starting in September 2008, all islamic
2008, semua produk syariah/jasa perbankan products and services under Islamic banking
syariah diseragamkan menjadi Islamic Banking should be standardized into Islamic banking (iB).
(iB).
Informasi keuangan unit syariah pada tanggal 31 Financial information of sharia units as of
Desember 2023 dan 2022, adalah sebagai December 31, 2023 and 2022, follows:
berikut:
2023 2022
Laporan Posisi Keuangan Statements of Financial Position
Aset Assets
Kas 12.350 15.081 Cash
Demand deposits with
Giro pada Bank Indonesia - 560.871 Bank Indonesia
Penempatan pada bank syariah lain Placements with other sharia banks
dan Bank Indonesia - 1.592.240 and Bank Indonesia
Efek-efek - bersih 359.953 2.288.995 Securities - net
Piutang iB - bersih 4.230.245 2.451.903 iB receivable - net
Pendapatan yang masih akan diterima 26.172 18.915 Accrued income
Biaya dibayar dimuka 44.869 30.073 Prepaid expenses
Aset tetap - bersih 61.121 29.580 Property and equipment - net
Aset ijarah - bersih 384.218 397.619 Ijarah assets - net
Aset lain-lain 2.453.460 73.848 Other assets
Jumlah 7.572.388 7.459.125 Total
Liabilitas Liabilities
Liabilitas segera 12.910 1.214 Liabilities immediately payable
Simpanan iB 301.854 277.011 iB deposits
Simpanan dari bank lain 747 254 Deposits from other banks
Utang pajak 6.729 3.646 Tax payable
Pendapatan diterima di muka 1.791 1.536 Unearned income
Liabilitas imbalan kerja jangka panjang 5.914 4.408 Long-term employee benefits liability
Liabilitas lain-lain 54.900 22.347 Other liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan iB 7.003.551 6.317.009 iB deposits
Simpanan dari bank lain 15.769 201.403 Deposits from other banks
Ekuitas Equity
Dana usaha - 449.394 Business funds
Saldo laba 168.223 180.903 Retained earnings
Jumlah 7.572.388 7.459.125 Total
- 145 -
Page 682
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
2023 2022
Laba Rugi dan Penghasilan Statements of Profit or Loss
Komprehensif Lain and Other Comprehensive Income
Pendapatan syariah 734.016 770.841 Sharia income
Beban syariah (259.569) (198.887) Sharia expenses
Penghasilan setelah bagi hasil 474.447 571.954 Income after profit sharing
Pendapatan lainnya 94.574 181.467 Other income
Beban lainnya (394.403) (559.917) Other expenses
Beban operasional - bersih (299.829) (378.450) Operating expenses - net
Laba bersih 174.618 193.504 Net Income
Termasuk dalam pendapatan bagi hasil adalah Included in the profit sharing is the fee from
komisi dari transaksi penyaluran dana terikat dari distribution of restricted fund transaction from
Nasabah Pemilik Dana (Shahibul Maal) yang customer tied up to their funds (Shahibul Maal)
akan disalurkan kepada nasabah pembiayaan that will be distributed to financing customer with
dengan syarat-syarat sesuai yang ditentukan requirements specified which is determined by the
oleh pemilik dana, dimana Perusahaan berperan owner of the fund, which the Company acts as an
sebagai agen atau manajer investasi dalam agent or investment manager in channeling agent
system channeling agent dan tidak menanggung system and not bear any risk on the distribution of
risiko apapun atas penyaluran dana tersebut. funds. As of December 31, 2023 and 2022, total
Pada tanggal 31 Desember 2023 dan 2022, amount of restricted fund transaction amounted to
jumlah dana terkait yang dikelola Perusahaan Rp473,200 and Rp500,200, respectively.
adalah sebesar Rp473.200 dan Rp500.200.
46. Pengungkapan Tambahan Laporan Arus Kas 46. Additional Disclosures on Statements of Cash
Flows
Aktivitas investasi dan pendanaan yang tidak Non-cash investing and investing activities that do
mempengaruhi kas dan setara kas: not affect cash and cash equivalents:
2023 2022
Penghapusbukuan kredit 1.220.668 236.853 Write-off of loans
Penghapusbukuan aset tetap 129 - Write-off of property and equipment
Penambahan modal saham dari konversi Additional issuance of capital stock from
dana setoran modal dari from conversion of advance
konversi Waran Seri III - 1.408.975 for Series III Warrants
47. Rekonsiliasi Liabilitas yang Timbul dari 47. Reconciliation of Liabilities Arising from
Aktivitas Pendanaan Financing Activities
Tabel berikut menjelaskan perubahan pada The table below details the changes in the
liabilitas Perusahaan yang timbul dari aktivitas Company’s liabilities arising from financing
pendanaan, yang meliputi perubahan terkait kas activities, including both cash and non-cash
dan non-kas: changes:
Arus kas Perubahan nonkas/
1 Januari/ pendanaan/ Non-cash Changes 31 Desember/
January 1, Financing Perubahan lainnya/ December 31,
2023 cash flows Other changes 2023
Liabilitas sewa 113.628 (111.120) 130.860 133.368 Lease Liabilities
Obligasi Subordinasi 495.040 - 1.472 496.512 Subordinated Bonds
Jumlah 608.668 (111.120) 132.332 629.880 Total
- 146 -
Page 683
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Arus kas Perubahan nonkas/
1 Januari/ pendanaan/ Non-cash Changes 31 Desember/
January 1, Financing Perubahan lainnya/ December 31,
2022 cash flows Other changes 2022
Liabilitas sewa 99.004 (97.741) 112.365 113.628 Lease Liabilities
Obligasi Subordinasi - 495.040 - 495.040 Subordinated Bonds
Jumlah 99.004 397.299 112.365 608.668 Total
48. Standar Akuntansi Keuangan Baru 48. New Financial Accounting Standards
Perubahan Pernyataan Standar Akuntansi Changes to the Statements of Financial
Keuangan (PSAK) Accounting Standards (SFAS)
Diterapkan pada tahun 2023 Adopted during 2023
Penerapan standar akuntansi keuangan revisi The implementation of the following revised
berikut, yang berlaku efektif 1 Januari 2023, financial accounting standards, which are
relevan bagi Perusahaan namun tidak effective from January 1, 2023 and relevant for the
menyebabkan perubahan signifikan atas Company, did not result in substantial changes to
kebijakan akuntansi Perusahaan dan tidak the Company’s accounting policies and had no
berdampak material terhadap jumlah-jumlah material effect on the amounts reported in the
yang dilaporkan dalam laporan keuangan tahun current or prior year’s financial statements:
berjalan maupun sebelumnya:
- Amendemen PSAK No. 1: “Penyajian - Amendment to SFAS No. 1: “Presentation of
Laporan Keuangan” tentang Pengungkapan Financial Statements” regarding Disclosure
Kebijakan Akuntansi yang Mengubah Istilah of Accounting Policies that Change the Term
“Signifikan” menjadi “Material” dan Memberi “Significant” to “Material” and Provide
Penjelasan mengenai Kebijakan Akuntansi Explanations of Material Accounting Policies
Material
- Amendemen PSAK No. 16, Aset Tetap: - Amendment to SFAS No. 16, Property, Plant
Hasil sebelum Penggunaan yang and Equipment: Proceeds before Intended
Diintensikan Use
- Amendemen PSAK No. 25, Kebijakan - Amendment to SFAS No. 25, Accounting
Akuntansi, Perubahan Estimasi Akuntansi Policies, Changes in Accounting Estimates
dan Kesalahan: Definisi Estimasi Akuntansi and Erros: Definition of Accounting Estimates
- Amendemen PSAK No. 46, Pajak - Amendment to SFAS No. 46, Income Taxes:
Penghasilan: Pajak Tangguhan terkait Aset Deferred Tax related to Assets and Liabilities
dan Liabilitas yang Timbul dari Transaksi Arising from a Single Transaction
Tunggal
- Amendemen PSAK No. 107, “Akuntansi - Amendment to SFAS No. 107, “Ijarah
Ijarah” Accounting”
- 147 -
Page 684
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Telah diterbitkan namun belum berlaku efektif Issued but not yet effective
1 Januari 2024 January 1, 2024
- Amandemen PSAK No. 1, “Penyajian - Amendment to SFAS No. 1, “Presentation of
Laporan Keuangan” terkait Liabilitas Jangka Financial Statements” regarding Long-term
Panjang dengan Kovenan Liabilities with the Covenant
- Amandemen PSAK No. 73, “Sewa” terkait - Amendment to SFAS No. 73, “Leases”
Liabilitas Sewa pada Transaksi Jual dan regarding Lease Liabilities in Sale-and-lease
Sewa-balik Back Transaction
- Standar Akuntansi Keuangan Internasional - International Financial Accounting Standard
1 Januari 2025 January 1, 2025
- PSAK No. 74, “Kontrak Asuransi” - SFAS No. 74, “Insurance Contracts”
- PSAK No. 74 (Amandemen): “Kontrak - SFAS No. 74 (Amendment): “Insurance
Asuransi: Penerapan Awal PSAK No. 74 Contracts: Initial Application of SFAS No. 74
dan PSAK No. 71 - Informasi Komparatif” and SFAS No. 71 - Comparative Information”
- Amandemen PSAK No. 10, “Pengaruh - Amendment to SFAS No. 10, “Impact on
Perubahan Kurs Valuta Asing: Kekurangan Changes in Foreign Currency: Lack of
Ketertukaran” Exchangeability”.
Sampai dengan tanggal penerbitan laporan As at the date of authorization of these financial
keuangan, Bank masih mempelajari dampak statements, the Bank is still evaluating the
yang mungkin timbul dari penerapan potential impact of the above amendments to
amendemen PSAK tersebut dan dampak SFAS and has not yet determined the related
tersebut pada laporan keuangan belum dapat effects on the financial statements.
ditentukan.
49. Peristiwa Setelah Periode Pelaporan 49. Subsequent Event after Reporting Period
Per tanggal 1 Januari 2024, Akta No. 2 tanggal 2 On January 1, 2024, based on Notarial Deed No.
Januari 2024 yang dibuat di hadapan Aulia 2 dated January 2, 2024 made before Aulia
Taufani S.H., notaris di Jakarta, Pemisahan Unit Taufani S.H., public notary in Jakarta, the
Usaha Syariah PT Bank Sinarmas Tbk telah Separation of Sharia Business Unit of PT Bank
efktif dilakukan dengan pendirian Bank Umum Sinarmas Tbk has been effective with the
Syariah baru dengan nama PT Bank Nano establishment of a new Sharia Commercial Bank
Syariah. under the name PT Bank Nano Syariah.
Dengan dipisahkannya Unit Usaha Syariah, With the separation of the Sharia Business Unit,
maka selanjutnya PT Bank Sinarmas Tbk tidak then PT Bank Sinarmas Tbk will no longer carry
lagi melakukan kegiatan usaha syariah, dan out sharia business activities, and changes have
telah dilakukan perubahan kegiatan usaha pada been made to business activities in Article 3 of
Pasal 3 Anggaran dasar BSIM sebagaimana BSIM's Articles of Association as stated in the
termaktub dalam Akta Pernyataan Keputusan Deed of Meeting Resolution Amendment of PT
Rapat Perubahan Anggaran Dasar PT Bank Bank Sinarmas Tbk's Articles of Association No.
Sinarmas Tbk No. 3 tanggal 2 Januari 2024 yang 3 dated January 2, 2024 made before Aulia
dibuat di hadapan Aulia Taufani, S.H., Notaris di Taufani, S.H., notary in Jakarta who has obtained
Jakarta yang telah memperoleh persetujuan approval in accordance with the Decree of the
sesuai dengan Surat Keputusan Menteri Hukum Minister of Law and Human Rights of the Republic
dan Hak Asasi Manusia RI Nomor AHU- of Indonesia Number AHU-0000118. AH.01.02 of
0000118.AH.01.02 Tahun 2024 tanggal 2 2024 dated January 2, 2024.
Januari 2024.
- 148 -
Page 685
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
PT Bank Nano Syariah telah tercatat dalam PT Bank Nano Syariah has been registered in the
Administrasi Pengawasan Otoritas Jasa Supervision Administration of the Financial
Keuangan sebagai Anggota Kelompok Usaha Services Authority (OJK) as a member of the
Bank dengan Perusahaan Induk PT. Bank Bank Business Group with the Parent Company
Sinarmas Tbk. PT Bank Sinarmas Tbk.
Berdasarkan Akta No. 1 tanggal 2 Januari 2024 Based on Deed no. 1 dated January 2 2024, made
yang dibuat di hadapan Aulia Taufani S.H., before Aulia Taufani S.H. the composition of the
susunan anggota Dewan Komisari, Direksi, dan members of the Board of Commissioners,
Dewan Pengawas Syariah PT Bank Nano Directors and Board of Sharia Supervisory of PT
Syariah sebagai berikut: Bank Nano Syariah is as follows:
1 Januari/January 1,
2024
Dewan Komisaris Board of Commissioners
Komisaris Utama The Tjun Hau President Commissioner
Komisaris Independen Nana Supriana Independent Commissioner
Komisaris Independen Horas Parsaulian Pardede Independent Commissioner
Direksi Board of Directors
Direktur Utama Halim President Director
Direktur Soejanto Soetjijo Director
Direktur Uzan Tedjamulia Director
Direktur Hanafi Himawan Director
Direktur Suyono Wijaya Director
Dewan Pengawas Syariah Board of Sharia Supervisory
Ketua Ahmadi Sukarno Chairman
Anggota Mochammad Bukhori Muslim Member
Terkait efektifnya pemisahan tersebut maka Regarding the effective separation, the
susunan Pengurus PT Bank Sinarmas Tbk composition of the Management of PT Bank
sebagai berikut: Sinarmas Tbk is as follows:
1 Januari/January 1,
2024
Dewan Komisaris Board of Commissioners
Komisaris Utama Tjendrawati Widjaja President Commissioner
Komisaris Independen Sammy Kristamuljana Independent Commissioner
Komisaris Independen Rusmin Independent Commissioner
Direksi Board of Directors
Direktur Utama Frenky Tirtowijoyo President Director
Direktur Miko Andidjaja Director
Direktur Ekajaya Ongny Putra Director
Direktur Enny Kamal Director
Direktur Sendy Director
- 149 -
Page 686
PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Catatan Atas Laporan Keuangan Notes to the Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Berdasarkan Akta tersebut juga menegaskan Based on this Deed, it also reaffirms that the
kembali susunan pemegang saham Perseroan composition of the Company's shareholders as
adalah sebagai berikut: follows:
1 Januari/January 1 , 2024
Jumlah Lembar Persentase Jumlah
Saham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-up
Pemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Bank Sinarmas Tbk 5.100.000.000 51,00% 510.000 PT Bank Sinarmas Tbk
PT Sinarmas Multiartha Tbk 2.500.000.000 25,00% 250.000 PT Sinarmas Multiartha Tbk
PT Asuransi Sinar Mas 2.400.000.000 24,00% 240.000 PT Asuransi Sinar Mas
Jumlah 10.000.000.000 100,00% 1.000.000 Total
- 150 -
Page 687
2023 Laporan Tahunan dan Keberlanjutan Annual and Sustainability Report PT. BANK SINARMAS TBK Sinar Mas Land Plaza Jl. M.H Thamrin kav 51, Menara 1, Lantai 1 & 2, Jakarta 10350 - Indonesia www.banksinarmas.com
Names mentioned 145 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.2 ×11
unresolved
org
Bank Sinarmas Tagline
p.6
unresolved
org
Kantor Akuntan Publik Public Accounting Firm
p.6
unresolved
org
Financial Services Authority Regulation Criteria
· Komisaris
p.7
unresolved
org
PT. Bank Nano Syariah
p.8 ×14
unresolved
org
Bank Umum Syariah
p.8 ×4
unresolved
org
Bank Sinarmas’ Priority
p.11
unresolved
org
Bank Sinarmas RAKB Strategy
p.11
unresolved
org
Bank Sinarmas. Sustainable Financial Action Plan Awareness Program.
p.11
unresolved
org
Bank Sinarmas's Bank Policy Action Plan
p.11
unresolved
org
Bank Sinarmas Mobile
p.12
unresolved
org
Bank Sinarmas. Kelompok Respons
p.15
unresolved
org
Indonesia Stock Exchange
p.17 ×5
unresolved
org
Bank Indonesia
p.20 ×18
unresolved
org
Bank Indonesia Demand Deposits
p.20
unresolved
org
Bank Sinarmas Subordinated Bonds I Phase I Year
p.27 ×2
unresolved
org
Bank Sinarmas Lavenue
p.28 ×2
unresolved
org
Bank Sinarmas Unit Usaha Syariah
p.29
unresolved
org
Bank Sinarmas Sharia Business
p.29
unresolved
person
I Wayan Kerta
p.29 ×2
unresolved
org
Bank Education Program
p.29
unresolved
org
Bank Awards
p.30
unresolved
org
Bank Financial Services Category
p.30
unresolved
org
Bank Award
p.31
unresolved
org
Bank Berpredikat
p.31
unresolved
—
Apresiasi
· Appreciation
p.38 ×2
unresolved
person
Mengakhiri
· Komisaris
p.38
unresolved
—
menyampaikan apresiasi yang tulus kepada Direksi, karyawan,
· to express our sincere appreciation to the Board of Directors,
p.38
unresolved
org
pihak sangat berarti bagi kesuksesan Bank Sinarmas. Kami pun
· invaluable to Bank Sinarmas’ success. We hope that this mutual
p.38
unresolved
—
bahkan semakin kuat, guna menghasilkan pertumbuhan
· inclusive, and sustainable growth in the future.
p.38
unresolved
org
Kota Nusantara
p.41
unresolved
person
Enny Kamal
· Direktur
p.46 ×3
unresolved
org
tetap loyal untuk bertransaksi bersama Bank Sinarmas.
· With higher spirits, we will continue to fulfill our commitment to
p.47
unresolved
person
Buniarti Tjandra
· Notaris
p.52 ×2
unresolved
org
PT Bank Shinta Indonesia.
p.52 ×7
unresolved
org
PT Bank Shinta Legal Basis
p.52
unresolved
person
Triphosa Lily Ekadewi
· Notaris
p.52 ×2
unresolved
org
Bank Status Bank Devisa
p.52
unresolved
org
Bank Customer Care
p.53
unresolved
org
PT Asuransi Sinar Mas. Media Sosial Social Media
p.53
unresolved
org
PT Asuransi Sinar Mas. Situs Web
p.53
unresolved
org
PT Shinta Utama
p.53 ×3
unresolved
org
Bank Persepsi
p.54 ×2
unresolved
org
Sinarmas Multiartha Tbk
p.54 ×4
unresolved
org
Multiartha Tbk
p.54 ×3
unresolved
org
Syariah
p.54
unresolved
org
PT Bank Nano Syariah. Langkah
p.54
unresolved
org
PT Asuransi Sinar Mas.
p.54 ×5
unresolved
org
Bank Sinarmas Logo Logo Bank Sinarmas
p.55
unresolved
org
Bank Penyimpan Margin Dana Perolehan
p.56
unresolved
org
Pengawas Perdagangan Menteri Keuangan. Berjangka Komoditi
p.56
unresolved
org
Ministry of Finance.
p.56
unresolved
org
Pengawas Pasar Modal dan Lembaga Keuangan.
p.56
unresolved
org
Bank Umum Devisa.
p.56
unresolved
org
Bank Indonesia Became
p.56
unresolved
org
Bank Sianrmas
p.57
unresolved
org
PT Sinar Mas Issued
p.57
unresolved
org
Bank Administrator Rekening Dana Nasabah
p.57
unresolved
org
Bank Penerima Setoran Biaya Penyelenggara Ibadah Haji
p.57
unresolved
org
PT Bank Nano Syariah Banking.
p.57
unresolved
org
Bank Sinarmas Bank Sinarmas Tagline
p.58
unresolved
org
Bank Indonesia Certificates.
p.62
unresolved
person
Aulia Taufani
· Notaris
p.63 ×5
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. AHU-
p.63
unresolved
org
Bank Sinarmas's Sharia Business
p.63
unresolved
org
Minister of Law and Human Rights
p.63
unresolved
org
Reksa Dana Star Stable Income Fund
p.64
unresolved
org
Reksa Dana Simas Pendapatan Optima
p.64
unresolved
org
Reksa Dana Terproteksi Star Protected
p.64
unresolved
org
Bank Garansi
p.64 ×2
unresolved
person
Forum Komunikasi
· Direktur
p.67
unresolved
—
FKDKP
· Director
p.67
unresolved
person
Analytics
· Director
p.69
unresolved
org
Bank Shinta
p.70 ×2
unresolved
org
PT Sulindafin
p.70 ×2
unresolved
org
PT Lima Sempurna Makmur
p.70 ×2
unresolved
org
Sertifikasi Manajemen Risiko Term of Office and Legal Basis
p.70
unresolved
org
Bank Dagang Nasional Indonesia
p.71 ×4
unresolved
org
Sertifikasi Manajemen Risiko
p.71 ×8
unresolved
org
Yayasan Keluarga Pahlawan Negara
p.72 ×4
unresolved
org
Bank Windu Kentjana
p.72 ×2
unresolved
org
Kantor Akuntan Publik Hadori
p.72
unresolved
person
Academy
· Commissioner
p.72
unresolved
org
Pemeriksa Keuangan
p.72
unresolved
org
Sertifikasi Manajemen Risiko Pengangkatan
p.73
unresolved
org
Bank Internasional Indonesia
p.74 ×6
unresolved
org
Bank Internasional
· Direktur Syariah
p.74
unresolved
org
Sertifikasi Manajemen Risiko Periode dan Dasar
p.74 ×2
unresolved
org
PT NISP Sekuritas
p.75 ×2
unresolved
person
Concurrent Position
· Director
p.75
unresolved
org
Bank Kesawan
p.76
unresolved
org
Bank Kesawan Soejanto Soetjijo
p.76
unresolved
person
Rangkap
· Director
p.77
unresolved
person
Sertifikasi
· Director
p.79
unresolved
person
Frenky Tirtowijoyo
· President Director
p.82 ×6
unresolved
person
Hanafi Himawan
· Director
p.82 ×4
unresolved
person
Soejanto Soetjijo
· Director
p.82 ×4
unresolved
person
Miko Andidjaja
· Director
p.82 ×4
unresolved
person
Uzan Tedjamulia
· Director
p.82 ×4
unresolved
person
Ekajaya Ongny Putra
· Direktur
p.82 ×2
unresolved
—
Sinarm
· Ketua
p.83
unresolved
org
PT Asuransi Sinarmas Life Syariah
p.83
unresolved
org
PT Asuransi Sinarmas Life Syariah Dewan Pengawas Syariah
p.83
unresolved
org
PT Bukopin Finance Syariah
p.84
unresolved
org
PT Bukopin Finance Sharia
p.84
unresolved
person
Piagam
· Komisaris
p.99
unresolved
org
Menteri Hukum dan Hak Asasi Manusia
p.158
unresolved
org
PT Bank Nano
p.158
unresolved
person
Nana Supriana
· Komisaris Independen
p.158
unresolved
person
Horas Parsaulian Pardede
· Komisaris Independen
p.158
unresolved
person
Rusmin
· Komisaris Independen
p.159
unresolved
—
Target dan Realisasi Tahun 2023 [POJK51-F.2]
p.159
unresolved
org
Kinerja Bank pada tahun 2023 dinilai cukup baik, sebagian
p.159
unresolved
—
besar pos-pos
p.159
unresolved
—
penghujung tahun 2023 sebesar Rp52.635 miliar
p.159
unresolved
—
pertengahan kuartal 2 tahun 2023, portofolio kredit
p.159
unresolved
—
penghimpunan dana pihak ketiga (DPK) terhadap anggaran
p.159
unresolved
org
Bank mencatat laba sebelum pajak sebesar Rp74 miliar berada di
p.159
unresolved
org
Bank Sinarmas No. Regulation
p.167
unresolved
org
Otoritas Jasa Keuangan Republik Indonesia
p.167
unresolved
org
Bank Soundness Level
p.175
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