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Page 1
2023
Laporan Tahunan & Laporan Keberlanjutan
Annual Report & Sustainability Report
Stronger Fundamental for
Sustainable
Growth
PT Bank Oke Indonesia, Tbk.
Page 2
SANGGAHAN DAN BATASAN TANGGUNG JAWAB DISCLAIMER Laporan Tahunan ini memuat pernyataan tentang kondisi This report contains information about the financial condition, keuangan, hasil operasi, proyeksi, rencana, strategi, kebijakan, operational performance, plans, strategies, policies and their serta tujuan Perseroan, yang digolongkan sebagai pernyataan realization, as well as the company’s goals and objectives, which ke depan dalam pengertian perundang-undangan yang berlaku, are classified as forwardlooking statements in the implementation kecuali hal-hal yang bersifat historis. of applicable laws and regulations, except for historical matters. Pernyataan-pernyataan tersebut memiliki prospek risiko, These statements involve risks and uncertainties and could cause ketidakpastian, serta dapat mengakibatkan perkembangan actual developments to differ materially from those reported. aktual yang secara material dapat berbeda dari yang dilaporkan. Prospective statements in this Annual Report are made based on Pernyataan-pernyataan prospektif dalam Laporan Tahunan ini various assumptions regarding the current and future conditions dibuat berdasarkan berbagai asumsi mengenai kondisi terkini of the Company and the business environment in which the dan kondisi mendatang Perseroan serta lingkungan bisnis di Company conducts its business activities does not necessarily mana Perseroan menjalankan kegiatan usaha. Perseroan tidak guarantee that the documents that have been verified will bring menjamin bahwa tindakan-tindakan yang diambil akan membawa certain results as expected. hasil-hasil tertentu sesuai perkiraan.
Page 3
Stronger Fundamental for
Sustainable
Growth
Kondisi perekonomian nasional di tahun 2023 yang berubah dinamis dan penuh tantangan
akibat pemberlakuan suku bunga rujukan yang tinggi serta turunnya harga-harga komoditas
membuat pertumbuhan ekonomi Indonesia tertekan. Kondisi perekonomian yang tertekan
tersebut juga semakin menantang dengan dimulainya agenda nasional Pemilu, yang membuat
para pelaku usaha menunda rencana ekspansi, yang akhirnya berdampak pada rendahnya
pertumbuhan penyaluran kredit perbankan nasional.
OK BANK merespons kondisi tersebut dengan meningkatkan intensitas penerapan strategi
untuk berfokus pada pembiayaan nasabah UKM dan disaat bersamaan membuka ruang
bagi meningkatnya portofolio korporasi. OK BANK meningkatkan kewaspadaannya dalam
menyalurkan kredit dengan mengedepankan peningkatan pemilahan calon nasabah dengan
mengembangkan aplikasi due-dilligence proses persetujuan kredit berbasis teknologi
informasi dan menekankan penerapan manajemen risiko yang prudent. OK BANK juga
meningkatkan kerja samanya dengan perusahaan fintech, termasuk mengembangkan credit
channeling bekerja sama dengan P2P lending dan Multifinance. Selain berfokus pada upaya
meningkatkan portofolio pembiayaan yang berkualitas, OK BANK juga mengupayakan
penyelesaian kredit-kredit bermasalah yang masih ada, dengan mengupayakan restrukturisasi
dan meningkatkan cadangan kerugian yang memadai.
Seluruh upaya tersebut membuat OK BANK mampu melalui tahun 2023 dengan raihan kinerja
yang membanggakan. Sekalipun pertumbuhan portofolio pembiayaan lebih rendah dari
pertumbuhan kredit industri, OK BANK mampu mencatatkan kinerja keuangan yang lebih
baik, dari sisi profitabilitas, pemenuhan CAR maupun posisi NPL. Dengan capaian tersebut,
OK BANK kini memiliki fundamental yang jauh lebih kuat, guna meraih peluang mencatatkan
pertumbuhan skala usaha yang berkualitas dan berkelanjutan di tahun-tahun mendatang,
dengan kinerja yang semakin baik.
The national economic condition in 2023, which underwent dynamic changes and faced numerous challenges
due to the implementation of high reference interest rates and the decrease in commodity prices, has exerted
pressure on Indonesia’s economic growth. This stressed economic condition has been further complicated by
the commencement of the national elections agenda, prompting business entities to postpone expansion plans,
consequently impacting the low growth in the distribution of national banking credit.
OK BANK responded to these conditions by intensifying the application of strategies to focus on financing for
SME customers while simultaneously creating room for increased corporate portfolios. OK BANK heightened its
vigilance in credit disbursement by prioritizing the screening of prospective customers through the development
of a technology-based due diligence credit approval process and emphasizing the implementation of prudent
risk management. Furthermore, OK BANK enhanced its cooperation with fintech companies, including developing
credit channeling in collaboration with P2P lending and Multifinance institutions. In addition to focusing on efforts
to improve the quality of financing portfolios, OK BANK also endeavored to resolve outstanding problematic loans
through restructuring and enhancing adequate loss provisions.
All these efforts enabled OK BANK to navigate through 2023 with commendable performance. Despite the lower
growth in financing portfolios compared to industry credit growth, OK BANK achieved better financial performance
in terms of profitability, CAR fulfillment, and NPL positions. With these accomplishments, OK BANK now possesses
significantly stronger fundamentals to seize opportunities for recording quality and sustainable business scale
growth in the coming years, with increasingly improved performance.
PT Bank Oke Indonesia, Tbk. 1
Page 4
Kesinambungan Tema
Theme Continuity
2020
Komitmen Untuk Pelayanan Prima
Commitment to Service Excellence
Tahun 2020 adalah tahun yang penuh tantangan In 2020 was a year full of challenges for the business
bagi dunia usaha pada umumnya, termasuk bagi world in general, including for the banking industry.
industri perbankan. Di tengah pandemi COVID-19 In the midst of the COVID-19 pandemic that has hit
yang melanda seluruh dunia, termasuk Indonesia, the whole world, including Indonesia, many business
banyak sektor usaha yang terdampak secara negatif, sectors have been negatively affected, starting from
mulai dari penurunan volume usaha, pengurangan a decrease in business volume, a reduction in
tenaga kerja dan bahkan ada yang terpaksa harus workforce and some have even had to close their
menutup usahanya. businesses.
Di tengah kondisi yang demikian Bank Oke In the midst of these conditions, Bank Oke Indonesia
Indonesia berhasil melewati tahun 2020 ini dengan managed to get through 2020 with very good
kinerja yang sangat baik, antara lain tercermin dari performance, as reflected in the growth of loans
pertumbuhan kredit yang disalurkan tumbuh jauh disbursed which grew far above the industry
di atas rata-rata industri. Kunci dari keberhasilan average. The key to our success is maximizing
kami adalah memaksimalkan lini bisnis dan fokus business lines and focusing on meeting customer
kepada pemenuhan kebutuhan nasabah dengan needs by providing the best service as a core
memberikan pelayanan terbaik sebagai kekuatan strength, for sustainable achievement. These are
inti, untuk pencapaian berkelanjutan. Itu semua all forms of our commitment to our customers and
adalah bentuk komitmen kami kepada Nasabah kami society, in accordance with the Bank’s vision and
dan masyarakat, sesuai dengan Visi dan Misi Bank mission, namely to be the best bank in prioritizing
yaitu menjadi Bank terbaik dalam memprioritaskan excellent service and giving trust to customers and
pelayanan prima dan memberikan kepercayaan contributing to society with the best service.
kepada pelanggan serta kontribusi kepada
masyarakat dengan layanan terbaik.
2021
Berkomitmen Menuju Pertumbuhan Masa Depan
Committed Towards Future Growth
Di tengah berbagai tantangan yang dihadapi Against all odds, OK BANK managed to record good
sepanjang tahun 2021, OK BANK berhasil performance in 2021, as evidenced by the growth of
membukukan pertumbuhan kinerja yang sangat disbursed loans, third-party funds, and net profit,
baik yang tercermin dari pertumbuhan kredit yang which were all above the average national banking
diberikan, dana pihak ketiga dan laba bersih yang industry growth.
berada di atas rata-rata pertumbuhan industri
perbankan nasional.
Tahun 2021, OK BANK fokus pada peningkatan In 2021, OK BANK focused on increasing service
kualitas layanan dengan melakukan berbagai inovasi quality by applying a number of innovations to
agar dapat terus melahirkan produk dan layanan be able to produce products and services that
yang sesuai dengan kebutuhan nasabah. Selain itu, meet customer requirements. In addition, the Bank
Bank juga melakukan pengembangan layanan digital continues to develop digital services to improve
agar dapat terus meningkatkan daya saing di tengah competitiveness amidst an increasingly stiffer
persaingan industri perbankan yang semakin ketat. competition in the industry. All developments are a
Seluruh pengembangan yang dilakukan tersebut form of manifestation of the Bank’s commitment to
merupakan salah satu wujud komitmen Bank untuk achieving performance growth in the future.
terus meraih pertumbuhan kinerja di masa depan.
2 Laporan Tahunan 2023 Annual Report
Page 5
2022
Mempercepat Momentum Pertumbuhan
Accelerate the Growth Momentum
Iklim usaha di tahun 2022 masih dipenuhi dengan The business climate in 2022 remained filled with
tantangan ketidakpastian. Dalam menghadapi tantangan uncertainty and challenges. To face those challenges,
tersebut, Perseroan telah melakukan serangkaian the Company has adopted a series of strategic policies,
kebijakan strategis, antara lain fokus pada saving including focusing on savings banking, consumer
bank, pembiayaan konsumer, bisnis keuangan dengan financing, financial business specializing in loans, and
spesialisasi pada kredit dan penguatan modal. Berbagai stronger capital. These efforts are implemented to
upaya tersebut diterapkan dalam rangka mendorong laju encourage positive business growth and strengthen
pertumbuhan bisnis yang positif dan memperkuat posisi. the position. With this corporate action, OK BANK
Dengan adanya aksi korporasi ini, OK BANK optimis is optimistic that it will embrace the momentum for
mampu merangkul momentum pertumbuhan bisnis significant business growth and position itself at the
sekaligus menjadi perusahaan yang terdepan menjadi forefront of the best banking in prioritizing service
bank terbaik dalam memprioritaskan pelayanan prima. excellence.
2023
Stronger Fundamental for Sustainable Growth
Stronger Fundamental for Sustainable Growth
Kondisi perekonomian nasional di tahun 2023 yang The national economic condition in 2023, which
berubah dinamis dan penuh tantangan akibat underwent dynamic changes and faced numerous
pemberlakuan suku bunga rujukan yang tinggi challenges due to the implementation of high
serta turunnya harga-harga komoditas membuat reference interest rates and the decrease in
pertumbuhan ekonomi Indonesia tertekan. Kondisi commodity prices, has exerted pressure on
perekonomian yang tertekan tersebut juga semakin Indonesia’s economic growth. This stressed economic
menantang dengan dimulainya agenda nasional condition has been further complicated by the
Pemilu, yang membuat para pelaku usaha menunda commencement of the national elections agenda,
rencana ekspansi, yang akhirnya berdampak prompting business entities to postpone expansion
pada rendahnya pertumbuhan penyaluran kredit plans, consequently impacting the low growth in the
perbankan nasional. distribution of national banking credit.
OK BANK merespons kondisi tersebut dengan OK BANK responded to these conditions by
meningkatkan intensitas penerapan strategi untuk intensifying the application of strategies to focus on
berfokus pada pembiayaan nasabah UKM dan disaat financing for SME customers while simultaneously
bersamaan membuka ruang bagi meningkatnya creating room for increased corporate portfolios. OK
portofolio korporasi. OK BANK meningkatkan BANK heightened its vigilance in credit disbursement
kewaspadaannya dalam menyalurkan kredit dengan by prioritizing the screening of prospective customers
mengedepankan peningkatan pemilahan calon through the development of a technology-based due
nasabah dengan mengembangkan aplikasi due- diligence credit approval process and emphasizing
dilligence proses persetujuan kredit berbasis teknologi the implementation of prudent risk management.
informasi dan menekankan penerapan manajemen Furthermore, OK BANK enhanced its cooperation
risiko yang prudent. OK BANK juga meningkatkan with fintech companies, including developing credit
kerja samanya dengan perusahaan fintech, termasuk channeling in collaboration with P2P lending and
mengembangkan credit channeling bekerja sama Multifinance institutions. In addition to focusing on
dengan P2P lending dan Multifinance. Selain berfokus efforts to improve the quality of financing portfolios,
pada upaya meningkatkan portofolio pembiayaan OK BANK also endeavored to resolve outstanding
yang berkualitas, OK BANK juga mengupayakan problematic loans through restructuring and
penyelesaian kredit-kredit bermasalah yang masih enhancing adequate loss provisions.
ada, dengan mengupayakan restrukturisasi dan
meningkatkan cadangan kerugian yang memadai.
Seluruh upaya tersebut membuat OK BANK mampu All these efforts enabled OK BANK to navigate
melalui tahun 2023 dengan raihan kinerja yang through 2023 with commendable performance.
membanggakan. Sekalipun pertumbuhan portofolio Despite the lower growth in financing portfolios
pembiayaan lebih rendah dari pertumbuhan kredit compared to industry credit growth, OK BANK
industri, OK BANK mampu mencatatkan kinerja achieved better financial performance in terms of
keuangan yang lebih baik, dari sisi profitabilitas, profitability, CAR fulfillment, and NPL positions. With
pemenuhan CAR maupun posisi NPL. Dengan capaian these accomplishments, OK BANK now possesses
tersebut, OK BANK kini memiliki fundamental yang significantly stronger fundamentals to seize
jauh lebih kuat, guna meraih peluang mencatatkan opportunities for recording quality and sustainable
pertumbuhan skala usaha yang berkualitas dan business scale growth in the coming years, with
berkelanjutan di tahun-tahun mendatang, dengan increasingly improved performance.
kinerja yang semakin baik.
PT Bank Oke Indonesia, Tbk. 3
Page 6
Tentang Laporan Tahunan
About The Report
Laporan Tahunan dan Laporan Keberlanjutan PT Bank This Annual Report and Sustainability Report of PT Bank Oke
Oke Indonesia, Tbk. ini merupakan laporan edisi kelima Indonesia, Tbk. is the fifth edition of the report presented
yang disajikan secara terintegrasi. Melalui laporan ini, in an integrated manner. Through this report, the Bank
Bank menyampaikan informasi kinerja Bank serta dampak conveys information on the Bank’s performance as well as
dan benefit dari aktivitas operasional Bank pada aspek the impacts and benefits of the Bank’s operational activities
lingkungan, sosial, dan ekonomi. on environmental, social, and economic aspects.
Laporan ini disusun berdasarkan Peraturan Otoritas Jasa This report was prepared based on the Regulation of
Keuangan (OJK) No.29/POJK.04/2016 tentang Laporan Financial Services Authority (OJK) No. 29/POJK.04/2016 on
Tahunan Emiten atau Perusahaan Publik, Surat Edaran the Annual Report of Issuers or Public Companies, Circular
OJK No.16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Letter of OJK No. 16/SEOJK.04/2021 on the Form and
Tahunan Emiten atau Perusahaan Publik dan Peraturan Content of Annual Report of Issuers or Public Companies
OJK No. 51/POJK.03/2017 tentang Penerapan Keuangan as well as Regulation of OJK No. 51/POJK.03/2017 on the
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Implementation of Sustainable Finance for Financial
Perusahaan Publik. Services Institutions, Issuers, and Public Companies.
Laporan mencakup periode waktu 1 Januari hingga 31 The report covers the period from January 1 to December 31,
Desember 2023 dengan cakupan informasi dan data 2022 with the coverage of information and data originating
yang berasal dari kantor Pusat OK BANK dan kegiatan from the OK BANK Head office and operational activities in
operasional di Indonesia. Terkait dengan data keberlanjutan, Indonesia. Regarding sustainability data, such as employee
seperti mengenai data karyawan dan penggunaan listrik data and electricity usage, it is cover work units and branch
disampaikan dengan mencakup unit kerja dan kantor offices in Indonesia.
cabang di Indonesia.
Data keuangan yang disampaikan dalam Laporan telah The submitted financial data has been audited by the Public
diaudit oleh Kantor Akuntan Publik Paul Hadiwinata, Accounting Firm Paul Hadiwinata, Hidajat, Arsono, Retno,
Hidajat, Arsono, Retno, Palilingan & Rekan. Data kuantitatif Palilingan & Rekan. Quantitative data in this report are
dalam Laporan ini disajikan dengan menggunakan prinsip presented using the principle of comparability, at least for
daya banding (comparability), minimal dalam dua tahun two consecutive years. Thus, Report users can implement
berturut-turut. Dengan demikian, pengguna Laporan dapat trend analysis of the Bank’s performance. Report made in
melakukan analisis tren kinerja Bank. Laporan dibuat dalam two languages, Indonesia and English.
dua bahasa, yakni Bahasa Indonesia dan Bahasa Inggris.
Khusus berkaitan dengan data keberlanjutan, penetapannya Specifically with regard to sustainability data, the
mengacu pada prinsip keterlibatan pemangku kepentingan, determination refers to the principles of stakeholder
konteks keberlanjutan, materialitas, dan kelengkapan. Bank involvement, the context of sustainability, materiality and
juga menggunakan kriteria yang terdapat pada Peraturan completeness. The Bank also uses the criteria contained in
OJK No. 51/POJK.03/2017 tentang Penerapan Keuangan Regulation of OJK No. 51/POJK.03/2017 o the Implementation
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan of Sustainable Finance for Financial Services Institutions,
Perusahaan Publik dalam menentukan isi laporan. Issuers and Public Companies in determining report content.
4 Laporan Tahunan 2023 Annual Report
Page 7
Laporan tahunan ini memuat kata “OK BANK” dan/atau This annual report contains the words “OK BANK” and/or
“Bank” yang didefinisikan sebagai PT Bank Oke Indonesia, “Bank” which are defined as PT Bank Oke Indonesia, Tbk.
Tbk. yang menjalankan kegiatan usaha di bidang jasa which carries out business activities in the financial
keuangan. Penyebutan satuan mata uang “Rupiah”, “Rp” service sector. The mention of the currency unit “Rupiah”,
atau IDR merujuk pada mata uang resmi Republik Indonesia, “Rp” or IDR refers to the official currency of the Republic
sedangkan “Dollar AS” atau USD merujuk pada mata uang of Indonesia, while “US Dollar” or USD refers to the official
resmi Amerika Serikat. Semua informasi keuangan disajikan currency of the United States. All financial information is
dalam mata uang Rupiah. presented in Rupiah.
Bank mengundang seluruh pemangku kepentingan dan para The Bank invites all stakeholders and readers to provide
pembaca untuk memberikan masukan, arahan, kritik, dan input, directions, criticisms and suggestions regarding
saran terkait bagaimana Bank dapat meningkatkan kualitas how the Bank can improve the quality of future reports.
laporan di masa yang akan datang. Silakan menyampaikan Please submit comments regarding the contents of this
tanggapan terkait isi laporan ini ke: report to:
Kantor Pusat PT Bank Oke Indonesia, Tbk.
Jl. Ir. H. Juanda No. 12, Jakarta Pusat, Indonesia
021-2312633
corsec@okbank.co.id
www.okbank.co.id
PT Bank Oke Indonesia, Tbk. 5
Page 8
Daftar Isi
Table of Contents
Fungsi Penunjang Bisnis
Tema dan Penjelasan Tema 1 Profil Perusahaan Business Support Functions
Theme and Theme Company Profile
Explanation Pengelolaan Sumber Daya 88
Kesinambungan Tema 2 Informasi Perusahaan 46 Manusia
Theme Continuity Company Information Human Resources
Management
Tentang Laporan Tahunan 4 Sekilas OK BANK 47
About The Report OK BANK at A Glance Pengembangan Teknologi 108
Informasi
Daftar Isi 6 Jejak Langkah Perusahaan 48 Information Technology
Table of Contents Company Milestone Development
Bidang Usaha 50
Business Field
Wilayah Operasi OK BANK 54
Ikhtisar Utama 2023 OK BANK Operational Area Analisis dan Pembahasan
Key Highlights in 2023 Manajemen
Perubahan Signifikan 56 Management Discussion
Significant Changes and Analysis
Ikhtisar Kinerja 2023 10
2023 Performance Highlights Keanggotaan dalam Asosiasi 56
Membership In Association
Ikhtisar Keuangan 12 Kondisi Perekonomian 114
Financial Overview Visi, Misi, dan Nilai OK BANK 57
Nasional
OK Bank Vision, Mission, and
Ikhtisar Saham 17 National Economy Condition
Values
Stock Highlights Tinjauan Operasional 118
Struktur Organisasi 58
Penghargaan dan Sertifikasi 19 Operational Review
Organizational Structure
Awards and Certification Tinjauan Keuangan 133
Profil Dewan Komisaris 60
Peristiwa Penting 2023 20 Financial Review
Board of Commissioner’s
2023 Event Highlights Profile
Profil Direksi 66
Directors’s Profile Tata Kelola Perusahaan
Corporate Governance
Pejabat Eksekutif 73
Laporan Manajemen Executive Officers
Management Report Kebijakan Tata Kelola 158
Demografi Karyawan 76 Governance Policy
Employee Demographics
Struktur Tata Kelola 160
Laporan Dewan Komisaris 27 Struktur dan Komposisi 78 Governance Structure
Board of Commissioner’s Pemegang Saham
Report Structure and Composition Rapat Umum Pemegang 163
of Shareholders Saham
Laporan Direksi 35
General Meeting of
Board of Director Report Kronologis Pencatatan 81 Shareholders
Surat Pernyataan Anggota 43 Saham
Share Listing Chronology Dewan Komisaris 175
Dewan Komisaris dan Direksi
Board Of Commissioners
tentang Tanggung Jawab atas Situs Web Perusahaan 85
Laporan Tahunan dan Laporan Company Website Direksi 182
Keberlanjutan Tahun 2023 Board of Directors
PT Bank Oke Indonesia, Tbk. Nominasi dan Remunerasi 193
Statement Letters of Dewan Komisaris dan Direksi
Members of the Board of Nomination and
Directors and Members of Remuneration of The Board
the Board of Commissioners of Commissioners and
Regarding Responsibility for Directors
the 2023 Annual Report and
Sustainability Report of Komite di Bawah Dewan 197
PT Bank Oke Indonesia, Tbk. Komisaris
Committees Under the Board
of Commissioners
6 Laporan Tahunan 2023 Annual Report
Page 9
Komite di Bawah Direksi 211
Committees Under The Laporan Keberlanjutan
Board Of Directors Jumlah Penyimpangan 246 Sustainability Report
Sekretaris Perusahaan 226 Internal (Internal Fraud)
Corporate Secretary yang Terjadi dan Upaya
Penyelesaian oleh Bank Ihktisar Kinerja 322
Satuan Kerja Audit Internal 223 Keberlanjutan
Number of Internal Fraud
Internal Audit Work Unit Sustainability Performance
(Internal Fraud) Occurred
Penerapan Fungsi Kepatuhan 232 and Attempt to Settlement Highlights
Implementation of by the Bank Strategi Pencapaian Tujuan 326
Compliance Function Keberlanjutan
Permasalahan Hukum 247
Audit Eksternal 240 Law Issues Strategies to Achieve
External Audit Sustainability Goals
Sanksi Administrasi 255
Sistem Pengendalian Internal 242 Administrative Sanctions Tata Kelola Keberlanjutan 336
Internal Control System Governance of Sustainability
Akses Informasi dan Data 256
Penerapan Sistem 269 Perusahaan Kinerja Aspek Ekonomi dan 341
Manajemen Risiko Access to Company Inklusi Keuangan
Implementation of Risk Information Economic Performance and
Management System and Data Financial Inclusion
Pengungkapan Permodalan 286 Share Option yang Dimiliki 256 Kinerja Lingkungan Hidup 350
dan Manajemen Risiko Direksi, Dewan Komisaris Berkelanjutan
Disclosure of Capital and dan Pejabat Eksekutif Sustainable Environmental
Risk Management Share Option Owned by Performance
Penyediaan Dana kepada 244 the Board of Directors, the Pengembangan Sosial dan 358
Pihak Terkait dan Penyediaan Board of Commissioners and Kemasyarakatan
Dana Besar Executive Officers Social and Community
Provision of Funds to Pembelian Kembali 256 Development
Related Parties and Provision (Buyback) Saham dan/atau Aspek Ketenagakerjaan 360
of Big Funds Obligasi Bank Employment Aspects
Transparansi Kondisi 245 Buyback of Share and/or
Bank Bond Lembar Umpan Balik 370
Keuangan dan Non Feedback Sheet
Keuangan yang Belum Transaksi Afiliasi dan 257
Diungkap dalam Laporan Transaksi Benturan Tanggapan terhadap Umpan 371
Lainnya Kepentingan Balik Laporan Keberlanjutan
Transparency of Financial Affiliate Transactions Tahun Sebelumnya
and Non-Financial and Conflict of Interest Response to Previous
Conditions That Have Not Transactions Year’s Sustainability Report
Been Disclosed in Other Feedback
Pemberian Dana untuk 257
Reports Indeks Pemenuhan SE-OJK 16 372
Kegiatan Sosial Politik
Informasi Lain yang Terkait 246 Provision of Funds for Social Index of Compliance with
Tata Kelola Bank Political Activities SE-OJK 16
Other Information Related to Daftar Indeks Referensi - 379
Kode Etik & Budaya 257
Bank Governance POJK 51/17
Perusahaan
Kepemilikan Saham Anggota 246 Code of Conduct & SR Session PT OK BANK
Dewan Komisaris dan Direksi Corporate Culture Indonesia Tbk - 2023
yang Mencapai 5% (Lima Reference Index List -
Sistem Pelaporan 259 POJK 51/17
Persen) atau Lebih dari
Pelanggaran SR Session PT OK BANK
Modal Disetor pada Bank
Violation Reporting System Indonesia Tbk - 2023
atau Lembaga Lainnya
Share Ownership of
Members of the Board of
Commissioners and Board of Laporan Keuangan
Directors which Reach 5% Financial Report
(Five Percent) or More Than
Paid-up Capital in Banks or
Other Institutions
PT Bank Oke Indonesia, Tbk. 7
Page 10
Page 11
Ikhtisar Utama 2023 Key Highlights in 2023 OK BANK mencatatkan perbaikan kinerja pada seluruh indikator keuangan utama. Jumlah Aset, Kewajiban Penyediaan Modal Minimum (KPMM), Jumlah Kredit, Simpanan Dana Nasabah, Pendapatan Bunga Bersih, hingga Laba Bersih Tahun Berjalan, semuanya menunjukkan peningkatan. OK BANK recorded improved performance on all key financial indicators. Total Assets, Capital Adequacy Ratio (CAR), Total Loans, Customer Deposits, Net Interest Income, and Net Profit for the Year all showed improvement.
Page 12
Ikhtisar Kinerja
Performance Highlights
Ikhtisar Kinerja
2023
2023 Performance Highlights
Jumlah Aset
Total Assets
Tahun 2023
In 2023
Rp11.075,15
miliar
billion
Jumlah aset per 31 Desember 2023
naik 8,76% dari Rp10.183,41 miliar pada tahun
sebelumnya.
Total assets as of December 31, 2023
increased by 8.76% from Rp10,183.41 billion in
the previous year.
Pendapatan Bunga Bersih
Net Interest Income
Tahun 2023
In 2023
Rp603,36 miliar
billion
Jumlah Pendapatan Bunga Bersih
per 31 Desember 2023 naik 29,19%
dari Rp467,04 miliar pada tahun
sebelumnya
Total Net Interest Income as of
December 31, 2023 increased by
29.19% from Rp467.04 billion in the
previous year
Jumlah Kredit
Total Loans
Tahun 2023
In 2023
Rp8.527,88 miliar
billion
Jumlah kredit meningkat 5,75%
dari Rp8.064,12 miliar
pada tahun sebelumnya.
Total loans increased by 5.75%
from Rp8,064.12 billion in the
previous year.
10 Laporan Tahunan 2023 Annual Report
Page 13
Kewajiban Penyediaan Modal Minimum (KPMM)
Minimum Capital Adequacy Requirement (KPMM)
Tahun 2023
In 2023
49,22%
Berada di tingkat yang sehat dan
di atas ketentuan regulasi.
At a sound level as well as above
regulatory requirements.
Rp
Rp
Simpanan dari Nasabah
Deposits from Customers
Tahun 2023
In 2023
Rp6.069,75 miliar
billion
Jumlah simpanan dari nasabah
meningkat 13,06% dari Rp5.368,61 miliar
pada tahun sebelumnya.
Total deposits from customers increased
by 13.06% from Rp5,368.61 billion in the
previous year.
Laba Bersih
Net Profit
Tahun 2023
In 2023
Rp28,65 miliar
billion
Jumlah laba bersih per 31 Desember 2023
naik 116,89% dari Rp13,21 miliar pada
tahun sebelumnya.
Total net profit as of December 31, 2023
increased by 116.89% from Rp13.21 billion
in the previous year.
PT Bank Oke Indonesia, Tbk. 11
Page 14
Ikhtisar Kinerja
Performance Highlights
Ikhtisar Keuangan
Financial Overview
Aset (Dalam Rp Juta)
Assets (In Rp Million)
Uraian
2023 2022 2021
Description
Kas | Cash 17.164 26.413 20.204
Penempatan pada Bank Indonesia 562.794 581.068 479.274
Placements with Bank Indonesia
Penempatan pada Bank lain | Placements with Other Banks 452.730 355.716 371.181
Surat Berharga (Termasuk Reverse Repo) 1.382.902 921.401 1.041.325
Marketable Securities (Including Reverse Repo)
Pinjaman yang diberikan | Loans 8.527.881 8.064.123 5.519.188
Cadangan Kerugian Penurunan Nilai Aset Keuangan
Allowance for Impairment Losses of Financial Assets
CKPN Kredit | Loans CKPN (217.321) (134.469) (86.752)
Lainnya | Others - - -
Aset tak berwujud (Net) | Intangible Assets (Net) 24.825 31.516 40.660
Aset Tetap & Hak Guna Aset (Net) 153.322 129.473 135.542
Fixed Assets & Right-on-Use Asset (Net)
Agunan yang Diambil Alih (Net) | Foreclosed Assets (Net) 65.716 76.405 91.964
Aset Lainnya | Other Assets 105.139 131.766 108.758
Total Aset | Total Assets 11.075.151 10.183.411 7.721.344
Total Liabilitas (Dalam Rp Juta)
Total Liabilities (In Rp Million)
Uraian
2023 2022 2021
Description
Giro | Current Account 827.984 680.452 225.594
Tabungan | Savings 424.861 471.973 521.606
Deposito Berjangka | Time Deposits 4.816.900 4.216.187 3.216.790
Liabilitas dari Bank Lain | Liabilities with Other Banks 744.263 600.082 575.663
Pinjaman yang diterima | Borrowings 550.000 500.000 0
Setoran Jaminan | Security Deposits 151 146 145
Liabilitas lainnya | Other Liabilities 126.507 162.212 141.841
Total Liabilitas | Total Liabilities 7.490.666 6.631.052 4.681.638
12 Laporan Tahunan 2023 Annual Report
Page 15
Total Liabilitas dan Ekuitas (Dalam Rp Juta)
Total Liabilities and Equity (In Rp Million)
Uraian
2023 2022 2021
Description
Simpanan Nasabah | Deposits from Customers 6.069.745 5.368.612 3.963.989
Liabilitas dari Bank Lain | Liabilities from Other Banks 744.263 600.082 575.663
Pinjaman yang diterima | Borrowings 550.000 500.000 -
Setoran Jaminan | Security Deposits 151 146 145
Liabilitas Lainnya | Other Liabilities 126.507 162.212 141.841
Total Liabilitas | Total Liabilities 7.490.666 6.631.052 4.681.638
Modal ditempatkan dan disetor penuh 1.703.779 1.703.779 1.409.999
Issued and Fully Paid Capital
Tambahan modal disetor | Additional paid-in capital 1.633.486 1.633.486 1.429.008
Saham Tresuri | Treasury Shares (55.201) (55.201) (55.201)
Komponen Ekuitas Lain | Other Components of Equity (2.996) (3.129) (4.314)
Surplus revaluasi aset tetap – Netto 85.480 85.034 89.209
Revaluation surplus of fixed assets-Net
Saldo Laba/Rugi | Retained Earnings 219.938 188.391 171.006
Jumlah Ekuitas | Total Equity 3.584.486 3.552.360 3.039.706
Jumlah Liabilitas dan Ekuitas | Total Liabilities and Equity 11.075.151 10.183.411 7.721.344
Jumlah Aset Total Liabilitas
Total Assets Rp Juta Total Liabilities Rp Juta
Rp Million Rp Million
11.075.151 7.490.666
6.631.052
10.183.411
7.721.344
4.681.638
2021 2022 2023 2021 2022 2023
Total Ekuitas Pinjaman Diberikan
Total Equity Rp Juta Loans Rp Juta
Rp Million Rp Million
3.584.486 8.527.881
3.552.360
8.064.123
5.519.188
3.039.706
2021 2022 2023 2021 2022 2023
PT Bank Oke Indonesia, Tbk. 13
Page 16
Ikhtisar Kinerja
Performance Highlights
IKHTISAR LABA RUGI dan PENGHASILAN KOMPREHENSIF (Dalam Rp Juta)
PROFIT OR LOSS and COMPREHENSIVE INCOME OVERVIEW (In Rp Million)
Uraian
2023 2022 2021
Description
Pendapatan bunga-bersih | Net Interest Income 603.360 467.042 321.169
Pendapatan Operasional lainnya | Other Operating Income 16.949 10.436 13.191
Beban operasional lainnya – Bersih (583.140) (458.021) (309.005)
Other Operating Expenses – Net
Laba (Rugi) Operasional | Operating Profit (Loss) 37.169 19.458 25.356
Pendapatan (Beban) Non-Operasional-bersih (97) (172) 473
Non-Operating Income (Expense) - net
Laba (Rugi) Tahun Berjalan Sebelum pajak 37.072 19.286 25.828
Profit (Loss) before Income Tax
Beban Pajak Penghasilan | Income Tax Expense (8.420) (6.076) (8.368)
Laba (Rugi) bersih tahun berjalan 28.652 13.210 17.460
Net Profit (Loss) for the Year
Penghasilan (Beban) Komprehensif Lainnya 3.474 1.185 1.571
Other Comprehensive Income (Expenses)
Jumlah Laba (Rugi) Komprehensif 32.126 14.395 19.031
Total Comprehensive Income (Loss)
Laba (Rugi Per Saham (Nilai Penuh) 1,68 0,93 1,45
Basic Earnings (Loss) per Share (Full Amount)
Pendapatan Bunga Bersih Laba (Rugi) Operasi Laba (Rugi) Bersih
Net Interest Income Rp Juta
Operating Profit (Loss) Rp Juta Net Profit (Loss) Rp Juta
Rp Million Rp Million Rp Million
603.360 37.169 28.652
467.042
25.356
17.460
321.169 19.458
13.210
2021 2022 2023 2021 2022 2023 2021 2022 2023
14 Laporan Tahunan 2023 Annual Report
Page 17
RASIO KEUANGAN DAN KEPATUHAN
FINANCIAL AND COMPLIANCE RATIOS
Uraian
2023 2022 2021
Description
PERMODALAN | CAPITAL
Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) 49,22 47,67 50,88
Capital Adequacy Ratio (CAR)
Rasio Tier 1 | Tier 1 Ratio 48,14 46,68 49,98
Rasio Tier 2 | Tier 2 Ratio 1,09 0,99 0,89
Aset Tetap terhadap Modal | Fixed Assets to Capital 3,65 3,21 3,98
KUALITAS ASET | ASSETS QUALITY
Aset Produktif Bermasalah dan Aset Non Produktif Bermasalah terhadap 3,16 2,64 3,86
Total Aset Produktif dan Aset Non Produktif
Non-Performing Earning Assets and Non-Earning Assets to Total Earning
Assets and Non-Earning Assets
Aset produktif bermasalah terhadap total aset produktif 2,89 2,17 2,78
Non-performing earning assets to total earning assets
Rasio Pinjaman Bermasalah (Non-Performing Loan - NPL Ratio) – Bruto 3,80 2,75 3,58
Non-Performing Loan (NPL) Ratio - Gross
Rasio Kredit Bermasalah (Non-Performing Loan - NPL Ratio) – Neto 2,30 2,06 2,62
Non-Performing Loan (NPL) Ratio - Net
Cadangan Kerugian Penurunan Nilai (CKPN) terhadap Aset Produktif 1,99 1,36 1,27
Allowance for Impairment Losses to Earning Assets
Rasio Penurunan Nilai Kredit (Impairment Ratio) 2,55 1,67 1,57
Impairment Ratio
RENTABILITAS | RENTABILITY
Return on Asset (ROA) 0,35 0,22 0,38
Return on Equity (ROE) 0,46 0,41 0,70
Margin Bunga Bersih (NIM) | Net Interest Margin (NIM) 5,87 5,68 5,09
Beban terhadap Pendapatan (CIR) | Cost to Income Ratio (CIR) 51,88 66,53 74,11
Biaya Operasional terhadap Pendapatan Operasional (BOPO) 96,35 97,28 95,53
Operating Expense to Operating Income (BOPO)
LIKUIDITAS | LIQUIDITY
Pinjaman yang Diberikan terhadap Simpanan dari Nasabah (LDR) 136,73 146,06 130,25
Loan to Deposit Ratio (LDR)
NSFR (Net Stable Funding Ratio) 121,65 117,28 118,95
Liquidity Coverage Ratio (LCR) 161,45 154,85 235,97
Rasio Dana Murah (CASA) 20,64 21,47 18,85
Current Account Saving Account (CASA) Ratio
KEPATUHAN | COMPLIANCE
Persentase pelanggaran BMPK
LLL violation percentage
Pihak terkait | Related parties - - -
Pihak tidak terkait | Non-related parties - - -
Persentase pelampauan BMPK | LLL exceeding percentage -
PT Bank Oke Indonesia, Tbk. 15
Page 18
Ikhtisar Kinerja
Performance Highlights
RASIO KEUANGAN DAN KEPATUHAN
FINANCIAL AND COMPLIANCE RATIOS
Uraian
2023 2022 2021
Description
Pihak terkait | Related parties - - -
Pihak tidak terkait | Non-related parties - - -
Giro Wajib Minimum (GWM) | Statutory Reserve (GWM)
GWM Utama Rupiah | Rupiah Main GWM
Primer | Primary 7,19 7,47 3,77
Penyangga Likuiditas Makroprudensial (PLM) 23,06 16,65 28,31
Macroprudential Liquidity Buffer (PLM)
IKHTISAR OPERASIONAL (Dalam Rp Juta)
OPERATIONAL HIGHLIGHTS (In Rp Million)
Uraian
2023 2022 2021
Description
Pinjaman yang Diberikan | Loans 8.527.881 8.064.123 5.519.188
Simpanan dari Nasabah | Deposits from Customers 6.069.745 5.368.612 3.963.989
Pendapatan Bunga Kredit yang Diberikan 888.987 624.718 444.545
Interest Income from Loans
Fee Based Income 10.906 10.436 7.390
Pinjaman yang Diberikan Simpanan dari Nasabah
Loans Rp Juta Deposits from Customers Rp Juta
Rp Million Rp Million
8.064.123 8.257.881 6.069.745
5.368.612
5.519.188 3.963.989
2021 2022 2023 2021 2022 2023
Pendapatan Bunga Kredit yang Diberikan Fee Based Income
Interest Income from Loans Rp Juta
Rp Juta
Rp Million Rp Million
888.987 10.906
10.436
624.718
7.390
444.545
2021 2022 2023 2021 2022 2023
16 Laporan Tahunan 2023 Annual Report
Page 19
IKHTISAR SAHAM
STOCK HIGHLIGHTS
Jumlah Saham
Volume
Tertinggi Terendah Penutupan Beredar Kapitalisasi Pasar
Tahun Periode Perdagangan
Highest Lowest Closing (lembar) Market Capitalization
Year Period Trading
(Rp) (Rp) (Rp) Total Outstanding (Rp)
Volume
Shares (share)
Triwulan I 138 133 134 17.037.792.274 322.300 2.283.064.164.716
Quarter I
Triwulan II 128 124 126 17.037.792.274 2.421.000 2.146.761.826.524
Quarter II
2023
Triwulan III 130 124 127 17.037.792.274 141.100 2.163.799.618.798
Quarter III
Triwulan IV 123 115 121 17.037.792.274 536.100 2.061.572.865.154
Quarter IV
Triwulan I 264 244 252 14.099.985.111 14.941.400 3.553.196.247.972
Quarter I
Triwulan II 194 186 187 14.099.985.111 1.863.700 2.636.697.215.757
2022 Quarter II
Triwulan III 174 169 169 14.099.985.111 1.179.600 2.382.897.483.759
Quarter III
Triwulan IV 174 165 170 17.037.792.274 3.106.000 2.896.424.686.580
Quarter IV
Triwulan I 535 161 189 11.562.788.016 731.970.400 2.185.366.935.024
Quarter I
Triwulan II 296 175 206 11.562.788.016 660.068.600 2.381.934.331.296
2021 Quarter II
Triwulan III 442 202 278 11.562.788.016 1.688.258.500 3.214.455.068.448
Quarter III
Triwulan IV 418 204 292 14.099.985.111 5.935.325.200 4.117.195.652.412
Quarter IV
Triwulan I 320 300 270 8.876.344.033 53.400 2.396.612.888.910
Quarter I
Triwulan II 330 302 169 8.876.344.033 61.200 1.500.102.141.577
2020 Quarter II
Triwulan III 320 280 195 8.876.344.033 1.310.900 1.730.887.086.435
Quarter III
Triwulan IV 260 234 173 11.562.788.016 71.469.291 2.000.362.326.768
Quarter IV
Triwulan I 307 234 244 2.250.000.000 1.590.174 549.000.000.000
Quarter I
Triwulan II 307 215 256 2.250.000.000 708.030 576.000.000.000
2019 Quarter II
Triwulan III 313 215 240 6.341.554.146 848.158 1.521.972.995.040
Quarter III
Triwulan IV 320 173 236 8.713.441.915 114.551 2.056.372.291.940
Quarter IV
PT Bank Oke Indonesia, Tbk. 17
Page 20
Ikhtisar Kinerja
Performance Highlights
GRAFIK PERDAGANGAN SAHAM CHART OF STOCK TRADING
Grafik Penutupan Harga Saham 2023 Chart of Closing Stock Price 2023
200 70.000.000
180
60.000.000
160
140 50.000.000
120
40.000.000
100
80 30.000.000
60
40 20.000.000
20 10.000.000
10
0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Grafik Penutupan Harga Saham 2022 Chart of Closing Stock Price 2022
350 90.000.000
300 80.000.000
70.000.000
250
60.000.000
200 50.000.000
150 40.000.000
30.000.000
100
20.000.000
50 10.000.000
0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
SANKSI ATAS PERDAGANGAN SAHAM SANCTIONS ON STOCK TRADING
Sepanjang tahun 2023, tidak terdapat sanksi yang diberikan Throughout 2023, there were no sanctions imposed by the
otoritas bursa terhadap perdagangan saham OK BANK. stock exchange authority on OK BANK’s stock trading.
AKSI KORPORASI TERKAIT SAHAM CORPORATE ACTIONS
Pada tahun 2023, tidak ada aksi korporasi terkait saham In 2023, OK BANK took no share-related corporate actions.
yang dilakukan OK BANK.
Pada tahun 2022, OK BANK melakukan Penawaran Umum In 2022, OK BANK conducted a Limited Public Offering IV
Terbatas IV melalui HMETD dengan menerbitkan saham through Preemptive Rights by issuing 2,937,807,163 new
baru sebanyak 2.937.807.163 lembar saham. shares.
18 Laporan Tahunan 2023 Annual Report
Page 21
Penghargaan dan Sertifikasi
Awards and Certifications
PENGHARGAAN | AWARDS
Pada tanggal 08 Desember 2023 OK BANK menerima
penghargaan dari LPS Award 2023 dalam kategori Bank
teraktif dan terinovatif dalam sosialiasi (Bank Umum).
On December 08, 2023, OK BANK received an award from
LPS Award 2023 in the category of the most active and
innovative Bank in socialization (Commercial Bank).
OK BANK Indonesia memperoleh penghargaan dengan kategori
Operational Excellence – sub kategori Excellence in Audit, Compliance
and Governance dan masuk menjadi finalis kategori Business Leader
Award, sub kategori Risk and Regulation pada acara 3rd Annual
FutureCFO Excellence Awards 2024 tanggal 22 Feb 2024 di Fullerton
Hotel Singapore yang diselenggarakan oleh CXOCIETY.
OK BANK Indonesia received an award in the Operational Excellence
category - sub-category Excellence in Audit, Compliance and Governance
and was a finalist in the Business Leader Award category, sub-category
Risk and Regulation at the 3rd An nual FutureCFO Excellence Awards 2024
on 22 Feb 2024 at the Fullerton Hotel Singapore hosted by CXOCIETY.
SERTIFIKASI | CERTIFICATIONS
ISO 27001:2013 - Sistem Manajemen Keamanan Informasi
dari PT Bureau Veritas Indonesia
ISO 27001:2013 - Information Security Management System
from PT Bureau Veritas Indonesia
PT Bank Oke Indonesia, Tbk. 19
Page 22
Ikhtisar Kinerja
Performance Highlights
Peristiwa Penting 2023
2023 Event Highlights
Februari
23 February
Kegiatan Corporate Social Responsibility (CSR) penyerahan beasiswa OK Bae&Jung
Scholarship Foundation yang diberikan kepada 22 orang mahasiswa/mahaisiswi dengan
total jumlah beasiswa sebesar Rp220.000.000,-beasiswa tersebut diterima oleh Bapak
Badrul Munir, Ph.d selaku Director of Student Affairs.
Corporate Social Responsibility (CSR) activities, handing over scholarships from the
OK Bae&Jung Scholarship Foundation to 22 students with a total scholarship of
Rp220,000,000. The scholarships were received by Mr. Badrul Munir, Ph.D., as Director
of Student Affairs.
Maret
17 March
Pembukaan kantor cabang Bandung yang beralamat di Jalan Pasir Kaliki No.161,
Pamoyanan, Kec. Cicendo, Kota Bandung, Provinsi Jawa Barat – 40173
The opening of the Bandung branch office located at Jalan Pasir Kaliki No. 161, Pamoyanan,
Cicendo District, Bandung City, West Java Province - 40173
April
11 April
OK BANK Gandeng Universitas Pelita Harapan untuk Luncurkan Program OK KTA bagi
Mahasiswa
PT Bank Oke Indonesia, Tbk. atau biasa dikenal sebagai OK BANK telah bekerja sama
dengan Universitas Pelita Harapan (UPH) meluncurkan pilot project OK KTA untuk
mahasiswa. Kerja sama tersebut bertujuan membantu para mahasiswa atau mahasiswi
UPH membutuhkan bantuan finansial untuk biaya kuliah.
OK BANK Collaborates with Pelita Harapan University to Launch OK KTA Program for
Students
PT Bank Oke Indonesia, Tbk., also known as OK BANK, has collaborated with Pelita
Harapan University (UPH) to launch the OK KTA pilot project for students. The
collaboration aims to help UPH students who need financial assistance for tuition fees.
20 Laporan Tahunan 2023 Annual Report
Page 23
Mei
11 May
Pelaksanaan Rapat Umum Pemegang Saham Tahunan (RUPST), dan Rapat Umum
Pemegang Saham Luar Biasa (RUPSLB) 2023
Conducting 2023 Annual General Meeting of Shareholders (AGMS), and Extraordinary
General Meeting of Shareholders (EGMS)
Juni
10 June
Penutupan KCP Puri
Puri Branch Office Closure
Juli Juli
17 July 24 July
Relokasi Kantor Cabang Surabaya ke Jl. Manyar Ketoarjo No.45 Relokasi Kantor Cabang Semarang ke Jl. Pemuda No. 45-51, Pandansari,
Surabaya, Jawa Timur Semarang, Jawa Tengah
Relocation of Surabaya Branch Office to Jl. Manyar Ketoarjo No.45 Relocation of Semarang Branch Office to Jl. Pemuda No. 45-51, Pandansari,
Surabaya, East Java Semarang, Central Java
PT Bank Oke Indonesia, Tbk. 21
Page 24
Ikhtisar Kinerja
Performance Highlights
Peristiwa Penting 2023
2023 Event Highlights
Agustus
28 August
Kegiatan Corporate Social Responsibility (CSR), pelaksanaan donor darah ”Bersama
OK BANK Kita Berbagi Kehidupan”. Kegiatan ini diikuti oleh sekitar 81 orang pendonor
dengan jumlah akhir kantong darah yang terkumpul adalah 64 kantong darah.
Corporate Social Responsibility (CSR) activities include the implementation of blood
donors “Together with OK BANK, We Share Life.” This activity was participated in by
around 81 donors, and the final number of blood bags collected was 64.
September
25 September
Relokasi Divisi Retail Kredit dan Digital Strategi dan Divisi Retail Business Development
ke Jl. Batu Ceper Raya No.47 RT.015/001 Kel. Kebon Kelapa, Kec. Gambir Jakarta Pusat
Relocation of the Retail Credit and Digital Strategy Division as well as the Retail Business
Development Division to Jl. Batu Ceper Raya No.47 RT.015/001 Kebon Kelapa Sub-district,
Gambir District, Central Jakarta
22 Laporan Tahunan 2023 Annual Report
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PT Bank Oke Indonesia, Tbk. 23
Page 26
Page 27
Laporan Manajemen Management Report Dewan Komisaris senantiasa menjalin komunikasi dengan Direksi dan jajaran manajemen Bank untuk membahas kendala yang dihadapi dalam menjalankan kegiatan operasional, mengelola risiko-risiko usaha yang ada serta menentukan langkah-langkah mitigasi yang tepat untuk memastikan tercapainya target kinerja dan optimalnya produktivitas seluruh jajaran. The Board of Commissioners constantly communicates with the Board of Directors and the Bank’s management to discuss obstacles faced in carrying out operational activities, managing existing business risks and determining appropriate mitigation measures to ensure the achievement of performance targets and optimizing the productivity of all levels.
Page 28
Laporan Manajemen
Management Report
Lim Cheol Jin
Komisaris Utama
President Commissioner
26 Laporan Tahunan 2023 Annual Report
Page 29
Laporan Dewan Komisaris
Board of Commissioner’s Report
“Dewan Komisaris menilai bahwa Direksi telah dengan
tepat menetapkan dan menjalankan berbagi inisiatif
strategis dalam mengatasi kondisi usaha tahun 2023
yang berkembang dinamis dan penuh tantangan dengan
meraih kinerja yang baik yang memperkuat fondasi OK
BANK dalam meraih perbaikan kinerja di tahun-tahun
mendatang yang diprakirakan lebih kondusif.”
"The Board of Commissioners assesses that the Board of Directors has appropriately
determined and implemented various strategic initiatives to overcome business conditions
that were dynamic and full of challenges in 2023 by achieving positive performance that
strengthened OK BANK's foundation to improve in the more conducive years ahead."
Para Pemegang Saham dan Pemangku Dear Shareholders and Stakeholders,
Kepentingan yang Terhormat,
Izinkan kami, Dewan Komisaris, mengawali Laporan Allow us, the Board of Commissioners, to begin this 2023
Tahunan 2023 ini dengan menyampaikan laporan Annual Report by submitting an accountability report
pertanggungjawaban terkait kegiatan pengawasan yang for the supervisory activities we carried out in 2023. The
kami lakukan sepanjang tahun 2023. Dewan Komisaris Board of Commissioners, in collaboration with the existing
bersama dengan komite-komite yang ada telah melakukan committees, has conducted comprehensive oversight and
pengawasan secara menyeluruh serta memberikan saran made suggestions and recommendations to the Board
dan rekomendasi dalam rangka mengawal pengelolaan dan of Directors in order to ensure that the Bank’s business
implementasi rencana bisnis Bank oleh Direksi agar tetap plans are managed and implemented in accordance with
berada dalam koridor best practices. Dewan Komisaris best practices. The Board of Commissioners is always
senantiasa menjalin komunikasi dengan Direksi dan jajaran in communication with the Board of Directors and the
manajemen Bank untuk membahas kendala yang dihadapi Bank’s management to discuss challenges in implementing
dalam menjalankan kegiatan operasional, mengelola risiko- operational activities, managing existing business risks, and
risiko usaha yang ada serta menentukan langkah-langkah determining appropriate mitigation measures to ensure
mitigasi yang tepat untuk memastikan tercapainya target performance targets and optimal productivity at all levels
kinerja dan optimalnya produktivitas seluruh jajaran. are met.
TINJAUAN KONDISI PEREKONOMIAN DAN OVERVIEW OF ECONOMIC CONDITIONS AND
INDUSTRI PERBANKAN THE BANKING INDUSTRY
Perekonomian global sepanjang tahun 2023 masih diwarnai The global economy remained uncertain throughout 2023
ketidakpastian akibat berkepanjangannya konflik geopolitik as a result of the ongoing geopolitical conflict in Europe,
di kawasan Eropa, yang membuat inflasi global tetap which has kept global inflation high and forced various
bertahan tinggi dan membuat berbagai bank sentral negara central banks in developed countries, including the Fed,
maju, termasuk The Fed, mempertahankan kebijakan suku to maintain high interest rate policies. As a result, global
bunga tinggi. Akibatnya pertumbuhan perekonomian global economic growth slowed, and primary commodity prices
PT Bank Oke Indonesia, Tbk. 27
Page 30
Laporan Manajemen
Management Report
melambat dan harga-harga komoditas primer menurun. IMF fell. In its January 2024 World Economic Outlook (WEO),
dalam rilisnya, World Economic Outlook (WEO), Januari 2024 the IMF forecasted that global economic growth in 2023
kemudian memprakirakan, pertumbuhan perekonomian would be 3.1%, down from 3.5% in 2022. The slowdown in
global tahun 2023 terkoreksi menjadi sebesar 3,1% dari 3,5% economic growth reduced the volume and value of global
di tahun 2022. Perlambatan pertumbuhan perekonomian trade, affecting the economic growth of many developing
tersebut membuat volume maupun nilai perdagangan countries, including Indonesia.
global juga menurun dan mempengaruhi pertumbuhan
perekonomian berbagai negara berkembang, termasuk
Indonesia.
Pemerintah Indonesia merespons kondisi tersebut dengan The Indonesian government responded to these conditions
menerapkan kebijakan makroprudensial, melanjutkan by implementing macroprudential policy, continuing
pembangunan infrastruktur konektivitas yang selektif, selective development of connectivity infrastructure,
memperbaiki iklim usaha, melanjutkan program hiliriasi, improving the business climate, and continuing downstream
namun juga diikuti penyesuaian suku bunga rujukan BI7DRR programs, as well as following Bank Indonesia’s adjustment
oleh Bank Indonesia menjadi sebesar 6,00% dari 5,50% di of the BI7DRR reference interest rate to 6.00% from 5.50% at
awal tahun 2023. Hasilnya, Indonesia kembali melanjutkan the start of 2023. As a result, Indonesia continued to record
catatan surplus neraca perdagangan yang cukup a significant trade balance surplus, reaching USD36.9 billion,
substansial, hingga mencapai USD36,9 miliar, sehingga total increasing total foreign exchange reserves to USD146.36
cadangan devisa kembali meningkat mencapai USD146,36 billion by the end of 2023.
miliar di akhir tahun 2023.
Data Badan Pusat Statistik (BPS) kemudian menunjukkan Data from the Central Statistics Agency (BPS) then revealed
perekonomian Indonesia di tahun 2023 tetap mencatatkan that the Indonesian economy in 2023 continued to grow
pertumbuhan lebih tinggi dari perekonomian global, yakni faster than the global economy, at 5.05% compared to 5.31%
5,05% dari 5,31% di tahun sebelumnya, didorong oleh the previous year, owing to rising domestic consumption
naiknya konsumsi domestik serta kuatnya pertumbuhan and strong growth in various business sectors. The national
berbagai lapangan usaha. Adapun tingkat inflasi nasional inflation rate has been successfully controlled and has
telah berhasil dikendalikan dan menurun ke level 2,61% dari fallen to 2.61% from 5.51% the previous year. Because of the
5,51% di tahun sebelumnya. Kuatnya fondasi perekenomian strong economic foundation, the Rupiah exchange rate as
tersebut membuat nilai tukar rupiah per akhir Desember of December 31, 2023 was Rp15,399/USD, a 1.10% increase
2023 tercatat sebesar Rp15.399/USD atau terapresiasi 1,10% from Rp15,568/USD at the end of 2022.
dari Rp15.568/USD di akhir 2022.
Industri perbankan nasional dapat mengatasi kondisi The national banking industry was able to overcome
perekonomian Nasional dengan mencatatkan pertumbuhan national economic conditions by recording credit growth of
kredit sebesar 10,4% secara year on year (yoy) per Desember 10.4% year on year (yoy) as of December 2023. This growth
2023. Pertumbuhan ini didorong pertumbuhan kredit modal was driven by growth in working capital loans, which rose
kerja yang naik 10,14% (yoy) November, kredit investasi 10.14% (yoy) in November, investment loans grew 9.25%
bertumbuh 9,25% (yoy), dan kredit konsumsi meningkat (yoy), and consumer loans increased 9.40% (yoy). Based on
9,40% (yoy). Berdasarkan kelompok usaha penggunanya, user business groups, Micro, Small and Medium Enterprises
kredit kepada usaha Mikro Kecil dan Menengah (UMKM) (MSMEs) loans grew by 8.46% (yoy) while corporate loans
tumbuh sebesar 8,46% (yoy) sementara kredit korporasi increased by 9.99% (yoy). Meanwhile, national banking
meningkat sebesar 9,99% (yoy). Adapun Dana Pihak Ketiga Third Party Funds (DPK) grew by 3.8% (yoy) in 2023.
(DPK) perbankan nasional tumbuh sebesar 3,8% (yoy) di
2023.
Mengacu pada Laporan Perekonomian Indonesia 2023 Bank According to Bank Indonesia’s 2023 Indonesian Economic
Indonesia, pada Desember 2023, likuiditas perbankan juga Report, banking liquidity remained adequate in December
tetap memadai, tercermin dari rasio Aset Likuid terhadap 2023, as evidenced by the high ratio of Liquid Assets to
Dana Pihak Ketiga (AL/DPK) pada Desember 2023 yang Third Party Funds (AL/DPK) of 28.73% in December 2023,
terjaga tinggi pada 28,73%, dengan tingkat rasio CAR while the national banking CAR ratio remained 27.65%.
perbankan di nasional masih terjaga sebesar 27,65%. Pada National banking continued to perform well in terms of
aspek profitabilitas, perbankan nasional tetap menunjukkan profitability, with a NIM of 4.81% and ROA at 2.74%. The
kinerja yang cukup baik dengan NIM sebesar 4,81% dan ROA national banking NPL ratio was also kept at 2.38% gross
sebesar 2,74%. Rasio NPL perbankan nasional juga terjaga and 0.75% net. Overall, strong banking resilience was
28 Laporan Tahunan 2023 Annual Report
Page 31
di 2,38% (gross) dan 0.75% (netto). Secara keseluruhan, bolstered by corporations and households’ continued
ketahanan perbankan yang kuat tersebut didukung oleh strong repayment capacity, which was consistent with
kemampuan bayar korporasi dan rumah tangga yang improving corporate performance and household income
tetap baik, sejalan dengan kinerja korporasi dan ekspektasi expectations. The results of Bank Indonesia’s stress tests
penghasilan rumah tangga yang terus membaik. Hasil show that banking resilience remains strong in the face of
stress-test Bank Indonesia menunjukkan ketahanan future uncertainty risks.
perbankan tetap kuat dalam menghadapi berbagai risiko
ketidakpastian ke depan.
PELAKSANAAN FUNGSI PENGAWASAN DEWAN IMPLEMENTATION OF THE BOARD OF
KOMISARIS COMMISSIONERS’ SUPERVISION ROLES
Dewan Komisaris selalu menjalankan tanggung jawabnya The Board of Commissioners consistently fulfills
dengan memberikan saran dan rekomendasi, dalam its responsibilities by making suggestions and
melakukan pengelolaan Bank. Pengawasan dan penasihatan recommendations for managing the Bank. The oversight
tersebut dimaksudkan agar tercipta kesesuaian dan and advice are intended to ensure conformity and
konsistensi pelaksanaan kegiatan usaha OK BANK dengan consistency in the implementation of OK BANK’s business
Rencana Bisnis Bank (RBB), yang disertai penerapan praktik activities with the Bank’s Business Plan (RBB), as well as the
terbaik prinsip-prinsip Good Corporate Governance (GCG) application of best practices in good corporate governance
pada seluruh unit organisasi. Dewan Komisaris senantiasa (GCG) principles across all organizational units. The Board
menjalin hubungan kerja yang sangat baik dengan of Commissioners always has a harmonious working
Direksi dan mengedepankan prinsip saling menghormati relationship with the Board of Directors and prioritizes the
wewenang dan tanggung jawab masing-masing pihak. principle of mutual respect for each party’s authority and
responsibilities.
Sepanjang tahun 2023, Dewan Komisaris melaksanakan 6 Throughout 2023, the Board of Commissioners held
(enam) kali rapat internal dan 3 (tiga) kali rapat gabungan 6 (six) internal meetings and 3 (three) joint meetings
dengan mengundang Direksi, dengan tingkat kehadiran with the Board of Directors, with a 100% (one hundred
Dewan Komisaris dalam rapat secara keseluruhan adalah percent) attendance rate in all meetings at the Board of
100% (seratus) persen. Selain forum rapat gabungan, organ Commissioners meetings. In addition to the joint meeting
Dewan Komisaris, yaitu Komite Audit, Komite Pemantau forum, the organs of the Board of Commissioners, namely
Risiko, serta Komite Nominasi dan Remunerasi juga the Audit Committee, Risk Monitoring Committee, and
melakukan rapat dengan mengundang Divisi terkait untuk Nomination and Remuneration Committee, also hold
membahas bidang-bidang yang menjadi tanggung jawab meetings by inviting the relevant divisions to discuss issues
masing-masing Komite. pertinent to each Committee.
PENILAIAN ATAS KINERJA DIREKSI ASSESSMENT OF THE BOARD OF DIRECTORS
PERFORMANCE
Tahun 2023 berkembang menjadi tahun yang dinamis dan The year 2023 was shaping up to be a dynamic and
penuh tantangan bagi OK BANK maupun pelaku industri challenging year for OK BANK and other banking industry
perbankan lainnya, akibat berkepanjangannya konflik players due to the ongoing geopolitical conflict, which
geopolitik yang membuat suku bunga global tetap tinggi has kept global interest rates high and slowed global and
dan membuat perekonomian global maupun nasional national economic growth.
tumbuh melambat.
Dewan Komisaris mengamati dengan seksama implementasi The Board of Commissioners carefully monitored the
berbagai inisiatif strategis yang telah ditetapkan bersama implementation of various strategic initiatives developed
dengan Direksi, dan menyimpulkan bahwa Direksi in collaboration with the Board of Directors and concluded
bersama seluruh jajaran dibawahnya telah menerapkan that the Board of Directors, along with all levels below, had
berbagai inisiatif strategis tersebut dengan baik. Hasilnya done an excellent job. The findings revealed that OK BANK
menunjukkan, OK BANK dapat melalui tahun 2023 dengan can make it through 2023 by demonstrating a number of
mencatatkan sejumlah kinerja yang semakin memperkuat performances that strengthen the fundamental foundation
landasan fundamental untuk mengantisipasi membaiknya for anticipating improving business conditions in the
kondisi usaha pada tahun-tahun mendatang. coming years.
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Dewan Komisaris melakukan penilaian terhadap kinerja The Board of Commissioners assesses the Board of
Direksi yang meliputi aspek operasional, keuangan, dan Directors’ performance, including operational, financial, and
aspek lainnya yang berkaitan erat bagi keberlanjutan other aspects that are critical to the Company’s business
kegiatan usaha Perseroan. Dasar penilaian Dewan Komisaris sustainability. The Board of Commissioners’ assessment is
adalah keberhasilan Direksi dalam memenuhi berbagai based on the Board of Directors’ ability to meet various
target-target indikatif yang tercantum dalam RBB untuk indicative targets outlined in the RBB for the reporting year.
tahun pelaporan.
Pada tahun 2023, OK BANK membukukan kinerja yang In 2023, OK BANK performed well. The Bank’s assets
baik. Bank mencatatkan pertumbuhan aset sebesar 8,76% increased by 8.76% to Rp11.08 trillion. Loans rose 5.75% to
menjadi Rp11,08 triliun. Kredit yang diberikan tumbuh 5,75% Rp8.53 trillion, while third-party fund collection increased
menjadi Rp8,53 triliun, sedangkan penghimpunan dana 13.06% to Rp6.07 trillion. OK BANK also succeeded in
pihak ketiga tumbuh 13,06% menjadi Rp6,07 triliun. OK maintaining loan quality, as evidenced by the capital
BANK juga berhasil menjaga kualitas kredit yang diberikan, adequacy ratio, which increased to 49.22% with a gross NPL
tercermin dari Rasio Kecukupan Modal yang naik menjadi ratio of 3.80%. OK BANK’s net profit increased by 116.89%
sebesar 49,22% dengan rasio NPL gross yang sebesar 3,80%. to Rp28.65 billion, despite increasing the CKPN value to
Laba bersih yang dibukukan OK BANK meningkat drastis mitigate credit risk.
116,89% menjadi Rp28,65 miliar, kendati Bank meningkatkan
nilai CKPN untuk memitigasi risiko kredit.
Dengan mempertimbangkan beratnya kondisi usaha yang Taking into account the serious business conditions that
harus diatasi di tahun 2023, Dewan Komisaris sangat must be overcome in 2023, the Board of Commissioners
mengapresiasi hasil knerja yang diraih tersebut. really appreciates the performance results achieved.
PANDANGAN ATAS PROSPEK USAHA YANG OPINION ON BUSINESS PROSPECTS PREPARED
DISUSUN OLEH DIREKSI BY THE BOARD OF DIRECTORS
Memperhatikan asumsi terhadap kondisi perekonomian Given the ongoing challenges in the global and national
baik global maupun nasional yang masih cukup menantang, economies, the Board of Commissioners believes that, in
Dewan Komisaris memandang bahwa secara garis besar general, the business prospects envisioned by the Board of
prospek usaha yang disusun oleh Direksi telah relevan Directors are relevant to current conditions. The Board of
dengan kondisi terkini. Dewan Komisaris meyakini bahwa Commissioners believes that, based on their achievements
didukung dengan landasan yang kuat dari pencapaian in 2023, the Board of Directors will be able to successfully
kinerja tahun 2023, Direksi mampu menjalankan seluruh implement all of their business strategies and achieve the
strategi dengan baik dan akan mampu meraih hasil terbaik best results from improving opportunities for growth in
dari membaiknya peluang pertumbuhan industri perbankan the banking industry as economic growth improves in the
mengiringi membaiknya pertumbuhan ekonomi di tahun- coming years. However, the Board of Commissioners would
tahun mendatang. Namun demikian, Dewan Komisaris like to remind the Board of Directors to continue focusing
tetap mengingatkan Direksi untuk fokus pada sektor yang on sectors with high potential, in line with OK BANK’s core
memiliki potensi yang besar, sesuai dengan kompetensi inti competencies, but with a moderate level of risk.
OK BANK, namun dengan tingkat risiko yang moderat.
PANDANGAN ATAS PENERAPAN TATA KELOLA OPINION ON THE IMPLEMENTATION OF
PERUSAHAAN CORPORATE GOVERNANCE
OK BANK mewujudkan komitmen untuk senantiasa OK Bank demonstrates its commitment to consistently
menerapkan praktik terbaik Good Corporate Governance implementing Good Corporate Governance (GCG)
(GCG) di seluruh level organisasi dengan melakukan penilaian principles at all levels of the organization by conducting
berkala dan melakukan perbaikan terhadap berbagai hal periodic assessments and improving on the findings from
yang ditemukan dalam proses penilaian berkala tersebut. the periodic assessment process. OK BANK recognizes that
OK BANK menyadari bahwa penerapan praktik terbaik GCG implementing the best GCG practices will have a positive
tersebut akan berdampak positif terhadap pencapaian impact on achieving sustainable performance and providing
kinerja dan akan mendorong terjadinya peningkatan nilai increased added value to stakeholders.
tambah Bank bagi para stakeholders secara berkelanjutan.
30 Laporan Tahunan 2023 Annual Report
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Oleh karena itu, Dewan Komisaris senantiasa berupaya As a result, the Board of Commissioners strives to ensure
memastikan bahwa kegiatan kepengurusan Bank yang that the Bank’s management activities, as carried out by
dilakukan oleh Direksi telah sesuai dengan peraturan the Board of Directors, are in accordance with applicable
perundangan yang berlaku serta memberikan nasihat laws and regulations, and to provide the best advice and
maupun rekomendasi terbaik pada setiap keputusan recommendations for every strategic decision implemented
strategis yang dilaksanakan dalam rangka mencapai in order to achieve the objectives outlined in the RBB.
tujuan sebagaimana terlah ditetapkan dalam RBB. OK OK BANK always strives to improve the quality of risk
BANK senantiasa berupaya meningkatkan kualitas management in order to overcome various challenges and
pengelolaan risiko untuk mengatasi berbagai tantangan achieve the best performance in every business situation.
dan mencatatkan kinerja terbaik disetiap kondisi usaha
yang harus dihadapi.
PENILAIAN KINERJA KOMITE DI BAWAH DEWAN PERFORMANCE ASSESSMENT OF COMMITTEES
KOMISARIS UNDER THE BOARD OF COMMISSIONERS
Dewan Komisaris membentuk komite-komite untuk The Board of Commissioners forms committees to
membantu Dewan komisaris menjalankan tugas dan fungsi assist the Board of Commissioners in carrying out its
pengawasan dan penasehatan yang harus dijalankan. oversight and advisory duties and functions. The Board of
Komite-komite Dewan Komisaris tersebut meliputi Komite Commissioners’ committees include the Audit Committee,
Audit, Komite Pemantau Risiko dan Komite Remunerasi the Risk Monitoring Committee, and the Remuneration
dan Nominasi. Dewan Komisaris melakukan penilaian and Nomination Committee. The Board of Commissioners
berkala terhadap kinerja komite-komite di bawahnya, dan conducts regular assessments of the performance of the
menyimpulkan selama tahun 2023, komite-komite tersebut committees under it and concludes that during 2023,
telah melaksanakan tugas dan tanggung jawabnya dengan these committees have implemented their duties and
efektif. responsibilities effectively.
1. Komite Audit bertugas dan bertanggung jawab antara 1. The Audit Committee is tasked and responsible,
lain untuk melakukan pengawasan dan evaluasi among other things, for supervising and evaluating the
terhadap pelaksanaan fungsi audit internal maupun implementation of internal and external audit functions,
eksternal serta tindak lanjut atas hasil audit, penerapan as well as following up on audit results, implementing
sistem pengendalian internal, kepatuhan terhadap the internal control system, complying with applicable
peraturan perundang-undangan yang berlaku, laws and regulations, reviewing financial information,
penelahaan atas informasi keuangan, serta pelaksanaan and implementing risk management. In 2023, the
manajemen risiko. Selama tahun 2023, Komite Audit Audit Committee has monitored and evaluated audit
telah memantau dan mengevaluasi perencanaan dan planning and implementation, as well as follow-up on
pelaksanaan audit serta tindak lanjut hasil audit dalam audit results, in order to assess the adequacy of internal
rangka menilai kecukupun pengendalian internal. control.
2. Komite Pemantau Risiko bertugas dan bertanggung 2. The Risk Monitoring Committee has duties and
jawab melakukan pengawasan terhadap penerapan responsibilities to supervise the implementation of
manajemen risiko. Pengawasan bertujuan agar Bank risk management. The supervision aims to ensure that
tetap memenuhi unsur-unsur kecukupan prosedur the Bank continues to meet the required elements
pengelolaan risiko sehingga kegiatan usaha OK BANK of adequate risk management procedures so that
tetap terkendali dan berada pada batas/limit risiko yang OK BANK’s business activities remain under control
dapat diterima dan menguntungkan. Selama tahun 2023, within acceptable and profitable risk limits. Throughout
Komite Pemantau Risiko telah mengevaluasi kebijakan 2023, the Risk Monitoring Committee has evaluated
penyediaan kredit dan penyediaan dana kepada pihak the policies for providing credit and providing funds
terkait serta meninjau pelaksanaan manajemen risiko to related parties, as well as reviewed the proper
OK BANK dengan baik. implementation of OK BANK’s risk management.
3. Komite Remunerasi dan Nominasi bertugas dan 3. The Remuneration and Nomination Committee is
bertanggung jawab membantu Dewan Komisaris tasked with and responsible for assisting the Board
melaksanakan fungsi dan tugasnya di bidang yang of Commissioners in carrying out its functions and
berkaitan dengan penetapan nominasi dan remunerasi duties in areas related to determining nominations and
terhadap anggota Direksi dan Dewan Komisaris. remuneration for members of the Board of Directors and
Selama tahun 2023, Komite Remunerasi dan Nominasi Board of Commissioners. During 2023, the Remuneration
telah membantu Dewan Komisaris terkait dengan and Nomination Committee has assisted the Board of
merekomendasikan terjadinya perubahan susunan Commissioners regarding changes to the composition
Anggota Dewan Komisaris maupun Direksi dalam of the members of the Board of Commissioners and
rangka meningkatkan kinerja Bank. Board of Directors to improve the Bank’s performance.
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PERUBAHAN KOMPOSISI DEWAN KOMISARIS CHANGES TO THE COMPOSITION OF THE BOARD
OF COMMISSIONERS
Selama tahun 2023, telah terjadi perubahan komposisi In 2023, there were changes to the composition of members
anggota Dewan Komisaris dengan penjelasan singkat of the Board of Commissioners with a brief explanation as
sebagai berikut. follows.
Pada tanggal 11 Mei 2023, RUPS Luar Biasa memutuskan untuk On May 11, 2023, the Extraordinary GMS decided to
memberhentikan dengan hormat Sdr. Idham Aziz selaku honorably dismiss Mr. Idham Aziz as Independent
Komisaris Independen, dan berlaku efektif sejak RUPSLB Commissioner, effective since the closing of the EGMS. The
ini ditutup. RUPSLB juga menyetujui untuk mengangkat EGMS also agreed to appoint Mr. Chairudin as Independent
Sdr. Chairudin selaku Komisaris Independen, yanga akan Commissioner, which would become effective after
berlaku efektif setelah mendapatkan persetujuan dari obtaining approval from the Financial Services Authority
Otoritas Jasa Keuangan (OJK), atau instansi berwenang (OJK) or other authorized agency. The approval in question
lainnya. Persetujuan dimaksud diperoleh pada tanggal 17 was obtained on July 17, 2023. Thus, the management
Juli 2023. Dengan demikian susunan kepengurusan PT Bank structure of PT Bank KEB Oke Indonesia Tbk prior to the
Oke Indonesia, Tbk. setelah RUPSLB sampai saat Laporan ini EGMS until the time this report was prepared is as follows:
disusun adalah sebagai berikut.
Komisaris Utama : Lim Cheol Jin President Commissioner : Lim Cheol Jin
Komisaris Independen : Chairudin Independent Commissioner : Chairudin
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
PENUTUP CLOSING
Atas seluruh pencapaian Perseroan selama tahun 2023 For all of the Company’s achievements in 2023, we,
tersebut, Kami, selaku Dewan Komisaris OK BANK the Board of Commissioners of OK BANK, would like
menyampaikan apresiasi dan penghargaan terhadap to express our appreciation and gratitude to the Board
semangat, dedikasi, dan pengabdian segenap jajaran of Directors, Management, and all employees for their
Direksi, Manajemen dan Karyawan dalam merealisasikan enthusiasm, dedication, and loyalty in realizing the Bank’s
pencapaian kinerja Perseroan. Kami juga mengucapkan achievements. We would also like to express our gratitude
terima kasih kepada Pemegang Saham, nasabah, mitra to the shareholders, customers, business partners, and other
bisnis, pemangku kepentingan lainnya atas kepercayaannya stakeholders for their trust in supporting the programs
dalam mendukung program dan kegiatan yang dijalankan, and activities so that OK BANK can again record positive
sehingga OK BANK dapat kembali mencatatkan kinerja performance, which will become the basis of performance
yang baik yang akan menjadi dasar bagi peningkatan kinerja improvement in the years to come.
di tahun-tahun mendatang.
Jakarta, 19 April 2024
LIM CHEOL JIN
Komisaris Utama
32 Laporan Tahunan 2023 Annual Report
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Park Young Man
Direktur Utama
President Director
34 Laporan Tahunan 2023 Annual Report
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Laporan Direksi
Board of Director Report
“OK BANK berhasil melalui kondisi tahun 2023 yang
berubah dinamis dan penuh tantangan dengan
menorehkan sejumlah kinerja operasional maupun
keuangan yang baik, dan memperkuat fondasi Bank untuk
meraih perbaikan kinerja di tahun-tahun mendatang
yang diprakirakan semakin kondusif, baik bagi industri
perbankan maupun bagi para nasabah.”
“OK BANK successfully navigated through the dynamic and challenging conditions of 2023
by achieving several good operational and financial performances as well as strengthening
the Bank foundation to achieve improved performance in the coming years, which are
predicted to be more conducive, both for the banking industry and for the customers.”
PARA PEMEGANG SAHAM DAN PEMANGKU DEAR OUR MOST VALUED SHAREHOLDERS AND
KEPENTINGAN YANG TERHORMAT, STAKEHOLDERS,
Atas nama Direksi, perkenankan kami melaporkan On behalf of the Board of Directors, kindly allow us to
perkembangan operasional dan kinerja OK BANK selama report on the operational and performance development
tahun 2023. Kami akan melaporkan ringkasan tantangan- of OK BANK during 2023. We will report a summary of the
tantangan yang harus sehubungan dengan kondisi makro challenges associated with Indonesia’s macroeconomic
ekonomi Indonesia yang semakin terhubung dengan kondisi conditions, which are increasingly connected to global
makro ekonomi global, juga tantangan suku bunga tinggi, macroeconomic conditions, as well as the challenges
pelemahan permintaan kredit dan naiknya persaingan of high-interest rates, weakening credit demand, and
perolehan dana simpanan nasabah, beserta cara OK BANK increased competition for customer deposits, including
dalam merespons dan mengatasi berbagai tantangan how OK BANK responded to and overcame these
tersebut. Kami juga akan menyampaikan ringkasan kinerja challenges. We will also summarize OK BANK’s operational
operasional maupun keuangan OK BANK, beserta antisipasi and financial performance, as well as the anticipated
yang telah dipersiapkan untuk menyambut peluang growth opportunities in the coming years.
pertumbuhan kinerja di tahun-tahun mendatang.
TINJAUAN MAKRO EKONOMI DAN INDUSTRI MACROECONOMIC AND BANKING INDUSTRY
PERBANKAN OVERVIEW
Berkepanjangannya konflik geopolitik membuat The ongoing geopolitical conflicts have prompted many
berbagai negara besar dunia, termasuk Amerika Serikat major countries, including the United States, to maintain
mempertahankan kebijakan suku bunga tinggi dengan a higher interest rate policy for a longer period of time
jangka waktu yang lebih lama (higher for longer) untuk in order to keep inflation under control. These conditions
menekan inflasi. Kondisi tersebut membuat IMF, melalui led the IMF, in its January 2024 World Economic Outlook
laporan World Economic Outlook per Januari 2024, report, to forecast global economic growth in 2023 at 3.1%
memprakirakan pertumbuhan ekonomi global di 2023 (yoy), down from 3.5% in 2022.
hanya mencapai 3,1% (yoy) menurun dari 3,5% di tahun
2022.
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Dalam rilisnya, IMF juga memprediksi inflasi global, In its release, the IMF also predicted that global inflation,
sekalipun mulai menurun tetap berada di level yang tinggi, while beginning to fall, will remain high, ranging from 6.8%
yakni di kisaran 6,8% dari 8,7% pada 2022. Kondisi tersebut to 8.7% by 2022. According to J.P. Morgan and S&P Global,
membuat Global Manufacturing PMI 2023 menurut J.P. these conditions cause the Global Manufacturing PMI 2023
Morgan dan S&P Global, menunjukkan tren pelemahan dan to show a weakening trend and struggle in the contraction
berkutat di zona kontraksi (di bawah 50,0), yakni menurun zone (below 50.0), dropping from 49.3 in November 2023 to
dari sebelumnya di level 49,3 per November 2023 menjadi 49.0 in December 2023.
ke level 49,0 per Desember 2023.
Di tengah ketidakpastian dan gejolak perekonomian global According to the Central Bureau of Statistics, despite
tersebut, perekonomian nasional, sesuai rilis BPS, tetap global economic uncertainty and turmoil, the national
menunjukkan ketangguhannya dengan mencatatkan economy continued to demonstrate its resilience by
pertumbuhan sebesar 5,05%, sedikit menurun dari 5,31% increasing by 5.05%, a slight decrease from 5.31% the
di tahun sebelumnya, ditopang oleh sebagian besar previous year, with most business sectors supporting the
lapangan usaha. Lapangan usaha yang tumbuh signifikan growth. Transportation and warehousing saw the greatest
adalah Transportasi dan Pergudangan sebesar 14,74% serta growth at 14.74%, followed by other services at 11.14%,
diikuti Jasa Lainnya sebesar 11,14%, sementara konsumsi while household consumption also increased. According
rumah tangga juga menguat. Data Bank Indonesia juga to Bank Indonesia data, the national economy’s growth
menunjukkan pertumbuhan perekonomian Nasional di in 2023 was fueled by private consumption, including
tahun 2023 ditopang oleh konsumsi swasta, termasuk consumption by the younger generation, as well as the
konsumsi generasi muda, juga ditopang oleh berlanjutnya continued realization of the National Strategic Project
realisasi penyelesaian Proyek Strategis Nasional (PSN). (PSN).
Adapun tingkat inflasi nasional telah berhasil dikendalikan The national inflation rate was successfully controlled, falling
dan menurun ke level 2,61% dari 5,51% di tahun sebelumnya. to 2.61% from 5.51% the previous year. Indonesia’s trade
Neraca perdagangan Indonesia juga kembali mencatatkan balance also showed a surplus of US$36.9 billion, bringing
surplus sebesar US$36,9 miliar, membuat cadangan devisa foreign exchange reserves to US$146.38 billion by the end
di akhir tahun 2023 mencapai US$146,38 miliar, setara of 2023, sufficient to finance 6.7 months of imports or 6.5
dengan pembiayaan 6,7 bulan impor atau 6,5 bulan impor months of imports and government foreign debt payments.
dan pembayaran utang luar negeri Pemerintah. Nilai tukar As of the end of December 2023, the rupiah exchange rate
rupiah per akhir Desember 2023 tercatat sebesar Rp15.399/ stood at Rp15,399/US$, up 1.10% from Rp15,568/US$ at the
USD atau terapresiasi 1,10% dari Rp15.568/USD di akhir end of 2023. As a result, in response to the world’s major
2023. Sehingga Bank Indonesia memiliki ruang untuk hanya central banks’ high interest rates, Bank Indonesia was only
menaikkan suku bunga acuan BI 7-Day Reverse Repo Rate able to raise the benchmark BI 7-Day Reverse Repo Rate
(BI7DRR) menjadi sebesar 6,00% dari 5,50% per Desember (BI7DRR) to 6.00% from 5.50% in December 2023.
2023 dalam merespons tingginya suku bunga Bank-bank
Sentral negara besar dunia.
Kendati dihadapkan pada ketidakpastian perekonomian Despite economic uncertainty and high global interest
dan tingginya suku bunga global, kinerja perbankan rates, the performance of national banking indicated
nasional menunjukkan perkembangan positif terutama positive developments, particularly in terms of supporting
dalam menopang perekonomian nasional selama 2023. the national economy in 2023. According to Financial
Data Otoritas Jasa Keuangan (OJK), menunjukkan kredit Services Authority (OJK) data, banking loans increased by
perbankan tumbuh 10,38% secara year on year (yoy) per 10.38% year on year (yoy) in December 2023. This increase
Desember 2023. Pertumbuhan ini didorong pertumbuhan was driven by working capital loan growth, which increased
kredit modal kerja yang naik 10,14% (yoy) November, by 10.14% (yoy) in November, investment loans by 9.25%
kredit investasi bertumbuh 9,25% (yoy), dan kredit (yoy), and consumer loans by 9.40%. Loans to micro, small,
konsumsi meningkat 9,40% (yoy). Berdasarkan kelompok and medium enterprises (MSMEs) increased by 8.46% (yoy),
usaha penggunanya, kredit kepada usaha Mikro Kecil dan while corporate loans increased by 9.99% (yoy).
Menengah (UMKM) tumbuh sebesar 8,46% (yoy) sementara
kredit korporasi meningkat sebesar 9,99% (yoy).
36 Laporan Tahunan 2023 Annual Report
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Peningkatan kredit di 2023 dapat diimbangi dengan The increase in loans in 2023 was able to be balanced with
membaiknya kualitas kredit. Hal ini tercermin dari rasio Non the improved loan quality. This is reflected in the gross
Performing Loan (NPL) gross yang dapat ditekan menjadi Non-Performing Loan (NPL) ratio, which can be reduced
2,19% di 2023, atau turun dibandingkan 2,44% di 2022. to 2.19% in 2023 or decreased compared to 2.44% in 2022.
Sementara pada sisi permodalan, rasio Capital to Adequacy Meanwhile, on the capital side, the Capital to Adequacy
Ratio (CAR) menguat dari sebelumnya 25,66% di 2022 naik Ratio (CAR) strengthened from 25.66% in 2022 to 27.65%
menjadi 27,65% di 2023. Dana Pihak Ketiga (DPK) perbankan in 2023. Third-party funds (DPK) in banking only increased
hanya tumbuh sebesar 3,73% (yoy) di 2023, didorong oleh by 3.73% (yoy) in 2023, driven by an increase in current
kenaikan giro, tabungan dan deposito yang masing-masing accounts, savings, and deposits that increased by 4.57%
per Desember tumbuh 4,57% (yoy), 2,06% dan 4,48% (yoy), 2.06%, and 4.48% (yoy), respectively, as of December.
(yoy). Mencerminkan masyarakat mulai meningkatkan It reflects that people began to increase spending, both for
pengeluaran, baik untuk konsumsi rumah tangga maupun household consumption and travel, welcoming the end of
berwisata, menyambut berakhirnya status pandemi. the pandemic status.
Perkembangan menarik yang patut dicermati adalah bahwa, There is an attractive development worth noting, which
sesuai data Bank Indonesia, transaksi perbankan digital di is that according to Bank Indonesia data, digital banking
tahun 2023 kembali meningkat 13,48% YoY mencapai nilai transactions in 2023 re-increased by 13.48% YoY to reach
sebesar Rp58.478 triliun, dengan proyeksi pertumbuhan a value of Rp58,478 trillion, with a projected increase of
sebesar 9,11%, untuk mencapai nilai hingga sebesar Rp63.804 9.11% to reach a value of up to Rp63,804 trillion in 2024. The
triliun pada 2024. Nilai transaksi QRIS sebesar Rp230 triliun, value of QRIS transactions was Rp230 trillion, a significant
meningkat signifikan sebesar 130,01% YoY pada 2023. increase of 130.01% YoY in 2023. The number of QRIS users
Adapun jumlah pengguna QRIS mencapai 45 juta orang reached 45 million people, and there were 30 million
dan telah terdapat 30 juta merchant yang didominasi oleh merchants, dominated by MSMEs. OK BANK considers these
UMKM. OK BANK memandang perkembangan tersebut developments as opportunities that must be anticipated as
sebagai peluang yang harus diantisipasi dengan sebaik- well as possible.
baiknya.
TANTANGAN YANG DIHADAPI DAN CHALLENGES AND SOLUTIONS
PENANGANANNYA
Tahun 2023 yang diwarnai dengan suasana menjelang 2023 was marked by the atmosphere prior to the general
Pemilu, suku bunga tinggi dan pelemahan pertumbuhan election, high-interest rates, weakening economic growth,
perekonomian juga euforia pencabutan status pandemi and the euphoria of lifting the pandemic status, thus
membuat pelaku industri perbankan dihadapkan pada causing banking industry actors to face several challenges.
beberapa tantangan. Kondisi tersebut membuat investasi These conditions cause investment to slow down, and
cenderung melambat, persaingan mendapatkan dana competition for customer deposits tends to increase since
simpanan nasabah cenderung meningkat, karena people prefer to travel and shop. The banks also still have to
masyarakat lebih memilih berwisata maupun berbelanja. resolve the loan portfolios affected by the COVID pandemic,
Perbankan juga masih harus menyelesaikan portofolio according to the near end of the countermeasure scheme.
kredit yang terdampak pandemi COVID, menurut skema
penanggulangan yang hampir berakhir.
OK BANK merespons kondisi tersebut dengan menjalankan OK BANK responded to these conditions by implementing
berbagai inisiatif, dengan tujuan mempermudah akses various initiatives, intending to facilitate customer access.
nasabah. Beberapa inisiatif tersebut di antaranya adalah The Bank took several initiatives, including opening a Branch
membuka Kantor Cabang di Bandung, salah satu kota Office in Bandung, one of the domestic tourist destinations.
tujuan wisata domestik. Bank juga melakukan relokasi The Bank also relocated the Surabaya and Semarang
Kantor Cabang Surabaya dan Semarang ke tempat yang Branch Offices to a place that better suits the customers’
lebih sesuai dengan kebutuhan nasabah. OK BANK juga needs. OK BANK also created various developments, both
melakukan berbagai pengembangan baik secara intern internally and in collaboration with several Digital Financial
maupun bekerja sama dengan beberapa perusahaan Inovasi Innovation companies registered with OJK.
Keuangan Digital yang terdaftar di OJK.
PT Bank Oke Indonesia, Tbk. 37
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Laporan Manajemen
Management Report
KEBIJAKAN STRATEGIS STRATEGIC POLICIES
OK BANK telah menyusun RBB secara realistis dengan OK BANK prepared the RBB realistically by considering
memperhatikan berbagai faktor intern dan ekstern various internal and external factors that affect business
yang mempengaruhi kelangsungan usaha dengan continuity and the determined risk appetite according to
mempertimbangkan risk appetite yang telah ditetapkan feedback from risk management meetings held regularly.
sesuai masukan dari rapat-rapat manajemen risiko yang To overcome the conditions in 2023, the Bank implemented
diselenggarakan secara berkala. Untuk mengatasi kondisi several strategic initiatives with the purposes of achieving
tahun 2023 tersebut, Bank menerapkan beberapa inisiatif quality financing growth, improved performance, and an
strategis dengan sasaran meraih pertumbuhan pembiayaan increasing number of customer accounts, including:
yang berkualitas, kinerja yang membaik dan jumlah account
nasabah yang meningkat, yakni antara lain:
1. Meningkatkan aset Bank melalui penyaluran kredit ke 1. Increasing the Bank assets through lending to the
segmen korporasi dan Financial Institution didukung corporate and Financial Institution segments supported
aplikasi layanan berbasis teknologi terkini. by the latest technology-based services applications.
2. Menambah partner kerja sama dengan perusahaan 2. Adding cooperation partners with Fintech companies,
Fintech, termasuk mengembangkan kredit channeling including developing credit channeling with support
dengan dukungan peningkatan kualitas layanan call center for improving the quality of call center services
(telemarketing, call center, collection management) (telemarketing, call center, collection management)
3. Pengembangan sistem layanan meliputi penerapan 3. Service system development includes the
kredit skoring online dan Loan Application System yang implementation of online credit scoring and Loan
dilengkapi fitur E-KYC untuk memudahkan nasabah Application System which is equipped with E-KYC
mengajukan kredit dan mempercepat pengambilan feature to make it easier for the customers to apply for
keputusan persetujuan kredit. credit and speed up credit approval decision making.
4. Mengoptimalkan akses nasabah dengan menambah 4. Optimizing customer access by increasing the number
jumlah kantor cabang, merelokasi kantor cabang dan of branch offices, relocating branch offices and
mengoptimalisasi alokasi sumber daya manusia pada optimizing the allocation of human resources at each
masing-masing cabang. branch.
5. Mengembangkan dan meningkatkan layanan transaksi 5. Developing and improving online transaction services at
online setiap saat didukung aplikasi sistem BI FAST. any time supported by the BI FAST system application.
6. Meningkatkan proses monitoring dan mempercepat 6. Improving the monitoring process and speeding up the
proses normalisasi debitur-debitur restruktur COVID. normalization process for COVID restructuring debtors.
7. Dan lain-lain. 7. And others.
Direksi merumuskan dan menetapkan inisiatif strategis yang The Board of Directors formulates and determines strategic
diterapkan untuk mengatasi kondisi usaha yang berubah initiatives that are implemented to overcome dynamically
secara dinamis dan penuh tantangan dengan pendekatan changing and challenging business conditions using a
bottom-up, yaitu dengan melibatkan semua divisi yang ada. bottom-up approach, namely by involving the entire
existing divisions.
Untuk memastikan inisiatif strategis yang ditetapkan To ensure that the determined strategic initiatives run well
berjalan dengan baik dan dijalankan dengan disiplin oleh and are carried out with discipline by all levels, the Bank
seluruh jajaran, Bank menjalankan rapat berkala yang holds regular meetings that are mandatory to be attended
wajib dihadiri oleh masing-masing kepala Divisi beserta by each division head and staff in accordance with the
jajaran, sesuai dengan masing-masing fungsi yang menjadi function for which they are in charge.
tanggungjawabnya.
38 Laporan Tahunan 2023 Annual Report
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PERBANDINGAN ANTARA KINERJA DENGAN COMPARISON BETWEEN PERFORMANCE AND
TARGET TARGET
Mempertimbangkan kondisi perekonomian dan industri Considering economic conditions and the banking industry
perbankan di tahun 2023 tersebut, OK BANK menjalankan in 2023, OK BANK runs a combination of strategic initiatives
kombinasi inisiatif strategis yang lebih menekankan pada that emphasize efforts to maintain the quality of credit
upaya menjaga kualitas kredit yang disalurkan, bukan disbursed rather than its growth. This general strategy
pertumbuhannya. Strategi umum tersebut memberikan brought encouraging results. Total outstanding credit
hasil yang menggembirakan. Total outstanding kredit provided throughout 2023 grew 5.75%, or increased by
yang diberikan sepanjang tahun 2023 tumbuh 5,75%, Rp463.76 billion, reaching a value of Rp8,527.88 billion from
atau bertambah sebesar Rp463,76 miliar, mencapai nilai Rp8,064.12 billion in the previous year. Meanwhile, third-
sebesar Rp8.527,88 miliar, dari sebesar Rp8.064,12 miliar di party fund deposits collected by the Bank increased by
tahun sebelumnya. Sementara simpanan dana pihak ketiga 13.06% to Rp6,069.75 billion from Rp5,368.61 billion in 2022.
yang dihimpun Bank meningkat 13,06% menjadi senilai
Rp6.069,75 miliar dari Rp5.368,61 miliar di tahun 2022.
Tahun 2023, OK BANK membukukan pendapatan bunga In 2023, OK BANK recorded interest income of Rp1,000.38
sebesar Rp1.000,38 miliar, meningkat 42,51% atau bertambah billion, an increase of 42.51%, or Rp298.40 billion, compared
Rp298,40 miliar dibandingkan tahun sebelumnya yang to the previous year, which amounted to Rp701.98 billion.
sebesar Rp701,98 miliar. Pertambahan nilai pendapatan The increase in the value of interest income was much
bunga jauh lebih besar dari pertumbuhan outstanding greater than the growth in outstanding credit. This indicates
kredit. Hal ini menunjukkan Bank berhasil menjaga kualitas that the Bank has succeeded in maintaining the quality of
kreditnya, sehingga NIM meningkat dari 5,68% di tahun its credit, so the NIM increased from 5.68% in 2022 to 5.87%
2022 menjadi 5,87% di tahun 2023. Hal tersebut menjadikan in 2023. Those drove the Bank’s net profit in 2023 to increase
laba bersih Bank di tahun 2023 meningkat hingga 116,89% to 116.89% from the previous year, which was Rp13.21 billion,
dari tahun sebelumnya yang sebesar Rp13,21 miliar, menjadi to Rp28.65 billion.
sebesar Rp28,65 miliar.
Pada sisi lain, NPL bruto naik menjadi 3,80% di tahun 2023 On the other hand, gross NPL increased to 3.80% in 2023
dari 2,75% di tahun 2022. OK BANK telah mengantisipasi from 2.75% in 2022. OK BANK already anticipated the risk
risiko kenaikan NPL ini dengan meningkatkan Cadangan of increasing NPL by increasing the Reserve for Losses, so
Kerugian, sehingga Rasio CKPN terhadap Aset Produktif that the CKPN to Productive Assets Ratio increased from
meningkat dari 1,36% menjadi 1,99%. 1.36% to 1.99%.
OK BANK juga tetap menjaga Rasio Kecukupan Modal OK BANK also continued to maintain its Capital Adequacy
(Capital Adequacy Ratio/CAR) pada level yang sangat aman Ratio (CAR) at a very safe level, namely 49.22 from the
yaitu sebesar 49,22 dari sebelumnya sebesar 47,67%. previously 47.67%.
Untuk tahun 2023, OK BANK telah menetapkan beberapa For 2023, OK BANK set several target indicators required
indikator target yang harus dicapai, yakni: Pendapatan to be achieved, namely: Net Interest Income of Rp633.39
Bunga Bersih sebesar Rp633,39 miliar; Laba Bersih: Rp30,12 billion; Net Profit: Rp30.12 billion; CAR of 46.32%, NIM
miliar; CAR: 46,32%, NIM: 5,76% dan NPL Gross: 3,31%. of 5.76% and Gross NPL of 3.31%. Thus, the performance
Sehingga hasil kinerja tersebut menunjukkan sekalipun laba results show that, despite increased net profit and several
bersih meningkat dan beberapa indikator target berhasil target indicators being successfully achieved, others were
tercapai, namun sebagian lainnya tidak tercapai. Pencapaian not. This achievement was one of the factors considered in
tersebut menjadi salah satu faktor yang dipertimbangkan preparing future business targets and strategies.
dalam penyusunan target dan strategi bisnis ke depan.
Sekalipun demikian Bank meyakini peraihan kinerja tahun However, the Bank believes that the performance
2023 telah membuat fundamental OK BANK semakin kuat, achievements in 2023 resulted in stronger fundamentals for
sehingga optimis akan dapat meraih kinerja yang lebih baik OK BANK, so it is optimistic to be able to achieve better and
dan berkelanjutan di masa mendatang. more sustainable performance in the future.
PT Bank Oke Indonesia, Tbk. 39
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TINJAUAN PROSPEK USAHA REVIEW OF BUSINESS PROSPECTS
Kajian IMF dalam World Economic Outlook, Januari An IMF study in the World Economic Outlook for January
2024, menyebutkan perekonomian global di tahun 2024 2024 stated that the global economy in 2024 is predicted to
diprakirakan masih melanjutkan proses konsolidasinya. continue its consolidation process. However, the high global
Namun demikian, inflasi global yang masih tinggi di tahun inflation in 2023 is predicted to decline further, so reference
2023 diprakirakan semakin menurun, sehingga suku bunga interest rates for central banks in developed countries
rujukan bank-bank sentral negara-negara maju diprakirakan are also predicted to start to decline, accompanying the
juga sudah mulai menurun, mengiringi turunnya tingkat decline in the global inflation rate. This will certainly have
inflasi global. Hal ini tentunya akan berdampak positif positive impacts on the Indonesian economy, especially in
terhadap Perekonomian Indonesia, terutama pada increasing demand for bank credit.
peningkatan permintaan terhadap kredit perbankan.
Perekonomian Indonesia tetap menunjukkan The Indonesian economy continues to show its resilience
ketangguhannya dengan kembali tumbuh lebih tinggi by returning to growth that is higher than global economic
dari pertumbuhan perekonomian global. Bank Indonesia growth. Bank Indonesia estimates that Indonesia’s
memperkirakan pertumbuhan ekonomi Indonesia di economic growth in 2024 will be in the range of 4.75%–
2024 berada di kisaran 4,75%-5,5% yang didukung oleh 5.5%, which is supported by monetary policy that is
kebijakan moneter yang akomodatif terhadap stabilitas accommodative towards stability and growth. Meanwhile,
dan pertumbuhan. Sementara Pemerintah Indonesia the Indonesian government is targeting growth of 5.2%,
menargetkan pertumbuhan di angka 5,2% dengan inflasi with inflation maintained at around 2.5 ± 1%. Consumption
tetap terjaga di kisaran 2,5±1%. Kinerja konsumsi, baik performance, both private and government, and
swasta maupun Pemerintah, dan investasi diperkirakan investment are expected to continue to increase in line
terus meningkat sejalan dengan pola konsumsi masyarakat with people’s consumption patterns, which remain strong,
yang tetap kuat, dampak positif pelaksanaan Pemilu yang the positive impact of holding safe and peaceful elections,
aman dan damai, serta keberlanjutan pembangunan Proyek and the sustainability of National Strategic Projects (PSN)
Strategis Nasional (PSN). Sementara kredit perbankan development. Meanwhile, national banking credit will also
nasional akan turut bertumbuh pada level yang moderat, grow at a moderate level, at 10-12%.
10-12%.
Mempertimbangkan proyeksi dan prakiraan kondisi Considering the projections and forecasts for the banking
industri perbankan tersebut, OK BANK menetapkan target industry, OK BANK has set a fairly good growth target for
pertumbuhan yang cukup baik dalam RBB. Meskipun the RBB. However, the Bank continues to implement good
demikian Bank tetap menerapkan tata kelola perusahaan corporate governance (GCG), improve the quality of risk
yang baik (GCG), meningkatkan kualitas penerapan management implementation, determine risk appetite
management risiko, menetapkan risk appetite dengan prudently, and follow the applicable risk management best
prudent, sesuai best practice manajemen risiko yang berlaku practices in the banking industry in sorting and distributing
di industri perbankan dalam memilah dan menyalurkan credit. Meanwhile, in terms of performance, OK BANK is
kredit Sementara dari sisi kinerja, OK BANK menargetkan targeting an increase in obtaining fee-based income from
peningkatan perolehan fee-based income dari kegiatan corporate financing activities and transaction management,
pembiayaan korporasi maupun pengelolaan transkasi yang which will support improving the Bank’s performance.
akan mendukung peningkatan kinerja Bank.
TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE
OK BANK mewujudkan komitmen perbaikan kualitas OK BANK realizes its commitment to improving the quality
penerapan tata kelola perusahaan dengan melakukan of corporate governance implementation by applying
penilaian berkala terhadap kualitas praktik GCG, kemudian regular quality assessments of GCG practices and then
menjalankan berbagai rekomendasi yang menyertai implementing various recommendations that accompany
pelaksanaan penilaian tersebut. Bank juga senantiasa the implementation of these assessments. The Bank also
mengikuti perkembangan konsep GCG terkini, termasuk keeps following developments in the latest GCG concepts,
merespons semakin mengemukanya mitigasi isu including responding to the increasingly prominent
keberlanjutan dalam pengelolaan perusahaan, yakni dengan mitigation of sustainability issues in company management,
mempertimbangkan mitigasi dampak sosial dan lingkungan namely by considering mitigating social and environmental
dalam menjalankan kegiatan operasional, pemberian kredit impacts in running operational activities, providing credit,
40 Laporan Tahunan 2023 Annual Report
Page 43
maupun penempatan dana. OK BANK akan tetap berfokus and placing funds. OK BANK will continue to focus on
pada upaya peningkatan kualitas pengelolaan risiko, selain efforts to improve the quality of risk management, apart
mulai menerapkan mitigasi dampak sosial dan lingkungan from starting to implement social and environmental
dalam kegiatan penyaluran pembiayaan yang dijalankan. impact mitigation in its financing distribution activities.
Dalam rangka mendukung penerapan tata kelola In order to support the implementation of sustainability
keberlanjutan, OK BANK semakin intensif mengikutsertakan governance, OK BANK is intensively involving employees
karyawan dari berbagai jenjang jabatan dalam program from various levels of positions in training programs related
pelatihan yang berkaitran dengan penerapan tata kelola to the implementation of sustainability governance using
keberlanjutan dengan metode e-learning. Selain itu, e-learning methods. Moreover, OK BANK also carries out an
OK BANK juga menjalankan program sosialisasi tentang outreach program on sustainability governance in an effort
tata kelola keberlanjutan sebagai upaya meningkatkan to increase awareness of the importance of supporting
kesadaran pentingnya dukungan terhadap penerapan tata the implementation of sustainability governance, which is
kelola keberlanjutan yang harus diikuti para karyawan. mandatory for employees to obey.
PERUBAHAN KOMPOSISI DIREKSI CHANGES IN BOARD OF DIRECTORS COMPOSITION
Pada tahun pelaporan terdapat perubahan susunan Direksi In the reporting year, there was a change in the composition
yang dilakukan melalui pelaksanaan RUPSLB tanggal 11 of the Board of Directors through the EGMS on May 11,
Mei 2023. Dalam RUPSLB tersebut Bank memberhentikan 2023. At the EGMS, the Bank respectfully dismissed Mr. Kim
dengan hormat Sdr. Kim Seongtaek dan Sdr Joyo dan Seongtaek and Mr. Joyo, as well as appointed Mr. Inhyo
mengangkat Sdr. Inhyo Wang selaku Direktur Kredit dan IT Wang as Director of Credit and IT and Mr. Vincentia M.
dan Sdri. Vincentia M. Djuniwati W selaku Direktur Bisnis. Djuniwati W as Business Director. On behalf of the Board
Atas nama Direksi, kami ucapkan terima kasih atas kerja of Directors, we would like to thank you for your hard work
keras dan pengabdian Sdr. Kim Seongtaek maupun Sdr. and dedication by Mr. Kim Seongtaek and Mr. Joyo while
Joyo selama menjalankan tugasnya. serving their duties.
Dengan keputusan tersebut, maka susunan Direksi OK With this decision, the composition of OK BANK’s Board of
BANK pada akhir Desember 2023 hingga saat penyusunan Directors at the end of December 2023 until the time of
Laporan ini terdiri dari: preparing this Report consists of the following:
Direktur Utama : Park Young Man President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Kredit & TI : Inhyo Wang Credit & IT Director : Inhyo Wang
Direktur Bisnis : Vincentia M. Djuniwati W Business Director : Vincentia M. Djuniwati W
Direktur Kepatuhan : Efdinal Alamsyah Compliance Director : Efdinal Alamsyah
DUKUNGAN PENCAPAIAN TUJUAN SUPPORT IN SUSTAINABILITY GOALS
KEBERKELANJUTAN ACHIEVEMENT
OK BANK mewujudkan komitmen dukungan pencapaian OK Bank realizes its commitment to supporting the
tujuan keberlanjutan dengan menyusun kerangka kerja achievement of sustainability goals by developing a
program keberlanjutan dalam Rencana Aksi Keuangan sustainability program framework in the Sustainable
Berkelanjutan (RAKB) yang dievaluasi dan dilaporkan Financial Action Plan (RAKB) with its annual evaluation
pelaksanaannya setiap tahun. Bank merealisasikan berbagai and reports on the implementation. The Bank applies
inisiatif strategis untuk mendukung pencapaian tujuan various strategic initiatives to support the achievement
keberlanjutan, sesuai kompetensi dan kegiatan usaha of sustainability goals following its competencies and
yang dijalankan, di antaranya meningkatkan portofolio business activities, including increasing the MSME credit
kredit UMKM untuk memberdayakan ekonomi lokal dan portfolio to empower the local economy and increasing
meningkatkan investasi pada pengembangan transportasi investment in the development of environmentally friendly
ramah lingkungan yang menjadi salah satu butir pembiayaan transportation, which is one of the items in financing
Kegiatan Usaha Berkelanjutan (KUB) dan investasi surat Sustainable Business Activities (KUB) and environmentally
berharga ramah lingkungan. friendly securities investment.
PT Bank Oke Indonesia, Tbk. 41
Page 44
Laporan Manajemen
Management Report
Sepanjang tahun 2023, Bank juga telah melaksanakan Throughout 2023, the Bank also implemented various
berbagai program pemberdayaan masyarakat, mencakup di community empowerment programs, including a financial
antaranya program literasi inklusi keuangan yang dijalankan inclusion literacy program that was carried out regularly after
secara rutin pasca Pandemi. OK BANK juga menginiasi the pandemic. OK BANK also initiated the implementation
pelaksanaan kegiatan operasional perbankan yang ramah of environmentally friendly banking operational activities,
lingkungan, yang diterapkan dalam wujud, mencakup: which are implemented in the following ways: intensifying
intensifikasi penggunaan aplikasi berbasis teknologi the use of information technology-based applications to
informasi untuk meningkatkan efisiensi dan menghemat increase efficiency and save paper use; using LED lights to
penggunaan kertas; penggunaan lampu-lampu LED yang save electricity; and managing waste. The Bank submits
hemat listrik dan pengelolaan sampah. Bank menyampaikan a report on RAKB implementation together with the
laporan pelaksanaan RAKB bersama-sama realisasi program realization of other CSR programs in a Sustainability Report
TJSL lainnya dalam Laporan Keberlanjutan yang disusun prepared based on OJK regulations.
sesuai ketentuan OJK.
APRESIASI LETTER OF APPRECIATION
Suku bunga tinggi dan pelemahan pertumbuhan High interest rates and weakening economic growth
perekonomian membuat tahun 2023 berkembang menjadi turned 2023 into a dynamic and challenging year that
tahun yang dinamis dan penuh tantangan yang membuat drove the entire level to work hard to overcome it in order
seluruh jajaran bekerja keras untuk mengatasinya demi to achieve the best performance. Therefore, the Board of
meraih kinerja terbaik. Oleh karenanya Direksi memberikan Directors would like to appreciate all employees who have
apresiasi kepada seluruh karyawan yang telah bekerja worked wholeheartedly, with all competence, and with
sepenuh hati, dengan segenap kompetensi dan penuh high dedication. The Board of Directors also thanked the
dedikasi tinggi. Direksi juga mengucapkan terima kasih Board of Commissioners for the cooperation, advice, and
kepada Dewan Komisaris atas kerja sama, nasihat dan recommendations provided.
rekomendasi yang diberikan.
Atas nama Perseroan, Direksi juga memberikan apresiasi On behalf of the Company, the Board of Directors also
kepada seluruh nasabah dan mitra kerja atas kerja sama expressed appreciation to all customers and work partners
yang telah terjalin dengan baik dan kepercayaan yang telah for the good cooperation and trust they have placed in
diberikan pada Perseroan. Kepada Pemegang Saham, Direksi the Company. To the shareholders, the Board of Directors
mengucapkan terima kasih atas kepercayaan yang telah would like to thank them for the trust. Equipped with your
diberikan. Berbekal kepercayaan anda semua dan didukung trust, supported by an increasingly competent staff, and
oleh jajaran karyawan yang semakin kompeten serta accompanied by the Board of Commissioners for wisely
didampingi Dewan Komisaris yang bijak dalam memberikan providing direction and supervision, we are optimistic that
arahan dan pengewasan kami optimis, OK BANK akan dapat OK BANK will be able to continue to overcome all challenges
terus melaju mengatasi seluruh tantangan dan kondisi and dynamic business conditions by always recording the
usaha yang dinamis dengan senantiasa mencatatkan kinerja best and most sustainable positive performance.
positif terbaik dan berkelanjutan.
PARK YOUNG MAN
Direktur Utama
President Director
42 Laporan Tahunan 2023 Annual Report
Page 45
Surat Pernyataan Anggota Dewan Komisaris dan
Direksi tentang Tanggung Jawab atas Laporan
Tahunan dan Laporan Keberlanjutan Tahun 2023
PT Bank Oke Indonesia, Tbk.
Statement Letters of Members of the Board of Directors and
Members of the Board of Commissioners Regarding Responsibility
for the 2023 Annual Report and Sustainability Report of
PT Bank Oke Indonesia, Tbk.
Kami, yang bertanda tangan di bawah ini, menyatakan We, the undersigned, declare that all information in the
bahwa semua informasi dalam Laporan Tahunan dan 2023 Annual Report and Sustainability Report of PT Bank
Laporan Keberlanjutan PT Bank Oke Indonesia, Tbk. tahun Oke Indonesia, Tbk. has been presented in its entirety and
2023 telah dimuat secara lengkap dan bertanggung jawab we are fully responsible for the accuracy of the contents
penuh atas kebenaran isi Laporan Tahunan dan Laporan of the Company’s Annual Report and Sustainability Report.
Keberlanjutan Perseroan.
Demikian pernyataan ini dibuat dengan sebenarnya This statement has been made truthfully.
Jakarta, 19 April 2024 Jakarta, April 19, 2024
Dewan Komisaris
Board of Commissioners
Lim Cheol Jin Sondang Martha Samosir Chairudin
Komisaris Utama Komisaris Independen Komisaris Independen
President Commissioner Independent Commissioner Independent Commissioner
Direksi
Board of Directors
Park Young Man Hendra Lie
Direktur Utama Wakil Presiden Direktur
President Director Vice President Director
Vincentia M. Djuniwati Wijaya Inhyo Wang Efdinal Alamsyah
Direktur Bisnis Direktur Kredit dan IT Direktur Kepatuhan
Business Director Credit and IT Director Compliance Director
PT Bank Oke Indonesia, Tbk. 43
Page 46
Page 47
Profil Perusahaan Company Profile OK BANK menunjukkan konsistensi mendahulukan kepentingan para nasabah dengan mengajukan sertifikasi standar operasi internasional mengenai keamanan data elektronik, menambah kantor cabang di area potensial, dan merelokasi kantor cabang pembantu untuk mendekati para nasabah potensial. OK BANK demonstrated its consistency in putting the customers’ interests first by applying for international operating standard certification on electronic data security, adding branch offices in potential areas, and relocating sub-branch offices to get closer to potential customers.
Page 48
Profil Perusahaan
Company Profile
Informasi Perusahaan
Company Information
Nama Perusahaan Kode Saham
Company Name Stock Code
PT Bank Oke Indonesia, Tbk. DNAR
Komposisi Pemegang Saham
Tanggal Pendirian Shareholders Composition
Date of Establishment
OK Next (d/h.APRO Financial )Co. Ltd.
89,73%
22 November 1991
Saham Treasury | Treasury Shares
November 22, 1991 0,85%
Masyarakat | Public
9,41%
Kegiatan Usaha
Business Activities
Jumlah Karyawan Tahun 2023
Jasa Perbankan Number of Employee in 2023
Banking Services
327 Karyawan
327 Employee
Modal Dasar
Authorized Capital Alamat Kantor Pusat
Head Office Address
Rp3.000.000.000.000
Jl. Ir. H. Juanda No. 12,
Jakarta Pusat | Central Jakarta
Modal Ditempatkan dan Disetor Telepon | Phone : 021-2312633
Penuh
Faksimile | Fax : 021-2312604
Issued and Paid-up Capital
Rp1.703.779.227.400
Situs Web
Website
Tanggal Go Public www.okbank.co.id
Go Public Date
11 Juli 2014
July 11, 2014
46 Laporan Tahunan 2023 Annual Report
Page 49
Sekilas OK BANK
OK BANK at A Glance
Perseroan pertama kali didirikan dengan nama PT Liman The Company was first established under the name PT Liman
International Bank pada tahun 1990 berdasarkan akta pendirian International Bank in 1990, based on the deed of establishment
No. 99 tanggal 15 Agustus 1990. Izin operasi sebagai Bank No. 99 dated August 15, 1990. The operating license as a
Umum ditetapkan melalui surat Bank Indonesia tertanggal Commercial Bank was stipulated through a letter from Bank
21 November 1991. Pada tanggal 8 November 2012 dilakukan Indonesia dated November 21, 1991. On November 8, 2012,
perubahan nama menjadi PT Bank Dinar Indonesia. Perubahan the name was changed to PT Bank Dinar Indonesia. This
nama ini diputuskan melalui Rapat Umum Pemegang Saham name change was decided through the Extraordinary General
Luar Biasa (RUPSLB) dan telah mendapat persetujuan dari Bank Meeting of Shareholders (EGMS) and has received approval
Indonesia serta Kementerian Hukum dan Hak Asasi Manusia from Bank Indonesia and the Ministry of Law and Human Rights
Republik Indonesia. Sejak 11 Juli 2014 saham Perseroan resmi of the Republic of Indonesia. Since July 11, 2014, the Company’s
tercatat di Bursa Efek Indonesia (BEI) dengan kode saham shares have been officially listed on the Indonesia Stock
DNAR sehingga nama Perseroan saat itu menjadi PT Bank Dinar Exchange (IDX) with the stock code DNAR, so the Company’s
Indonesia Tbk (Bank Dinar). Pada tanggal 25 Oktober 2018 Bank name at the time became PT Bank Dinar Indonesia Tbk (Bank
Dinar diakuisisi oleh APRO Financial Co. Ltd. (APRO) sebuah Dinar). On October 25, 2018, Bank Dinar was acquired by APRO
institusi keuangan besar yang berasal dari Korea Selatan. Financial Co. Ltd. (APRO), a large financial institution from
Transaksi akuisisi dilakukan melalui pembelian 77,38% saham South Korea. The acquisition transaction was conducted by
Bank Dinar. purchasing 77.38% of Bank Dinar’s shares.
Pada tanggal 8 Juli 2019 Bank Dinar melakukan penggabungan On July 8, 2019, Bank Dinar merged with PT Bank Oke Indonesia
usaha dengan PT Bank Oke Indonesia, Tbk. (OK BANK) yang (OK BANK), which is also owned by APRO for 99%. OK BANK
juga dimiliki oleh APRO sebesar 99%. OK BANK sendiri was previously known as Bank Andara, which was founded in
sebelumnya bernama Bank Andara yang didirikan pada tahun 1980 under the name Airline Andil Indonesia Bank Pasar Seri
1980 dengan nama Maskapai Andil Indonesia Bank Pasar Partha. In 1989, it obtained a license as a commercial bank and
Seri Partha. Pada tahun 1989 memperoleh izin sebagai bank changed its name to PT Bank Sri Partha in 1997, which focused
umum dan pada tahun 1997 berubah nama menjadi PT Bank on financing MSMEs in Bali. After being acquired by a group of
Sri Partha yang berfokus pada pembiayaan bagi UMKM yang shareholders with international reputations, both in the social
berada di Bali. Setelah diakuisisi oleh sekelompok pemegang and banking sectors, on April 20, 2009, it changed its name to
saham yang memiliki reputasi internasional, baik di bidang Bank Andara after obtaining approval from Bank Indonesia. On
sosial maupun perbankan, pada 20 April 2009 berubah nama November 18, 2016, Bank Andara and APRO signed the deed of
menjadi Bank Andara setelah mendapat persetujuan dari acquisition that marked the effectiveness of the acquisition by
Bank Indonesia. Pada 18 November 2016, Bank Andara dan APRO. The acquisition transaction of Bank Andara was carried
APRO menandatangani akta akuisisi yang menandai efektifnya out through the purchase of new shares of Bank Andara by
akuisisi oleh APRO. Transaksi akuisisi Bank Andara dilakukan 40%, and a year after the acquisition, precisely in May 2017,
melalui pembelian saham baru Bank Andara sebesar 40,00% APRO purchased shares from other shareholders so that its
dan setahun setelah akuisisi, tepatnya di bulan Mei 2017, APRO ownership became 99%. In August 2017, the name of Bank
melakukan pembelian saham dari Pemegang Saham yang lain Andara changed to Bank Oke Indonesia, which has been
sehingga kepemilikannya menjadi 99,00%. Pada bulan Agustus approved by the Indonesian Financial Services Authority.
2017, nama Bank Andara berubah menjadi Bank Oke Indonesia
dan telah disetujui oleh Otoritas Jasa Keuangan RI.
Dalam penggabungan tersebut, OK BANK merupakan Bank In the merger, OK BANK is the merging bank, while Bank Dinar
yang menggabungkan diri sedangkan Bank Dinar merupakan is the surviving bank. Since August 26, 2019, the Company
Bank yang menerima penggabungan (surviving Bank) dan sejak has changed its name from PT Bank Dinar Indonesia Tbk to
26 Agustus 2019 Perseroan melakukan perubahan nama dari PT Bank Oke Indonesia, Tbk.
PT Bank Dinar Indonesia Tbk menjadi PT Bank Oke Indonesia,
Tbk.
PT Bank Oke Indonesia, Tbk. 47
Page 50
Profil Perusahaan
Company Profile
Jejak Langkah Perusahaan
Company Milestone
Bank Oke Indonesia Bank Dinar Indonesia
1980 2008 1990
Berdiri dengan nama Maskapai Andil Indonesia Mercy Corps, IFC, HTF, dan Catholic Berdiri dengan nama PT Liman International
Bank Pasar Seri Partha Bank Pasar Seri Partha Organization for Relief and Development Aid Bank
(Cordaid) mengakuisisi PT Bank Sri Partha
Established under the name Maskapai Andil Established under the name PT Liman
Indonesia Bank Pasar Seri Partha Mercy Corps, IFC, HTF, and the Catholic International Bank
Organization for Relief and Development Aid
(Cordaid) acquired PT Bank Sri Partha
1989 1991
2009
Peningkatan status Maskapai Andil Indonesia Memperoleh izin operasi dari Bank
Bank Pasar Seri Partha menjadi Bank Umum Perubahan nama dari PT Bank Sri Partha Indonesia sebagai Bank Umum
dengan nama PT Bank Seri Partha menjadi PT Bank Andara
Obtained operating license from Bank
The status upgrade of Maskapai Andil Change of name from PT Bank Sri Partha to Indonesia as a Commercial Bank
Indonesia Bank Pasar Seri Partha to PT Bank Andara
Commercial Bank namely PT Bank Seri Partha
2012 - 2018
1997
Perubahan nama dari PT Bank Seri Partha
menjadi PT Bank Sri Partha.
1990-1991
Change of name from PT Bank Seri Partha to
PT Bank Sri Partha
2016 - 2017
2012
2008 - 2009 Perubahan nama menjadi PT Bank Dinar
Indonesia
Change of name to PT Bank Dinar Indonesia
1980 - 1997
2016
Diakuisisi oleh APRO Financial Co. Ltd. 2014
Acquired by APRO Financial Co. Ltd.
Pencatatan perdana saham di Bursa Efek
Indonesia sehingga menjadi PT Bank Dinar
Indonesia Tbk dengan kode saham DNAR
2017
Initial shares listing on the Indonesia Stock
Exchange so that it became PT Bank Dinar
Perubahan nama PT Bank Andara menjadi PT Indonesia Tbk with the shares code DNAR
Bank Oke Indonesia, Tbk.
Change of name from PT Bank Andara to PT
Bank Oke Indonesia, Tbk.
2018
Diakuisisi oleh APRO Financial Co. Ltd.
Acquired by APRO Financial Co. Ltd.
48 Laporan Tahunan 2023 Annual Report
Page 51
2019
• Penambahan Modal melalui Penawaran Umum
Terbatas (PUT) I dengan Hak Memesan Efek Terlebih
Dahulu (HMETD)
• Penggabungan usaha antara Bank Dinar Indonesia
dan Bank Oke Indonesia dengan nama PT Bank Dinar
Indonesia Tbk, di mana 91,33% saham dimiliki oleh A
PRO Financial Co. Ltd.
• Perubahan nama dari PT Bank Dinar Indonesia Tbk
menjadi PT Bank Oke Indonesia, Tbk.
2023
• Capital Injection through Limited Public Offering
(LPO) I with Preemptive Rights
• A merger between Bank Dinar Indonesia and Bank
Oke Indonesia under the name PT Bank Dinar
Indonesia Tbk, where 91.33% of the shares are
2022
owned by APRO Financial Co. Ltd.
• Change of name from PT Bank Dinar Indonesia Tbk
to PT Bank Oke Indonesia, Tbk.
2020-2021
2023
2019 2022
• Mendapatkan Sertifikat ISO
• PT Bank Oke Indonesia, Tbk. (OK 27001:2013 – Sistem Manajemen
BANK) meningkatkan modal dasar Keamanan Informasi
2020 perusahaan dari Rp2,50 triliun menjadi • Membuka Kantor Cabang di
Rp3 triliun
Bandung.
Penambahan Modal melalui Penawaran • Penambahan Modal melalui
Umum Terbatas (PUT) II dengan Hak Memesan Penawaran Umum Terbatas (PUT) IV
Efek Terlebih Dahulu (HMETD) dengan Hak Memesan Efek Terlebih • Obtained ISO 27001:2013 Certificate
Dahulu (HMETD) - Information Security Management
Capital Injection through Limited Public System
Offering (LPO) II with Preemptive Rights • PT Bank Oke Indonesia, Tbk. (OK • Opened Branch Office in Bandung.
(HMETD) BANK) increased the Company’s
authorized capital from Rp2.50 trillion
to Rp3 trillion
• Capital Injection through Limited
2021 Public Offering (PUT) IV with
Preemptive Rights (HMETD)
Penambahan Modal melalui Penawaran
Umum Terbatas (PUT) III dengan Hak
Memesan Efek Terlebih Dahulu (HMETD)
Capital Injection through Limited Public
Offering (PUT) III with Preemptive Rights
(HMETD)
PT Bank Oke Indonesia, Tbk. 49
Page 52
Profil Perusahaan
Company Profile
Bidang Usaha
Business Field
Sesuai dengan Anggaran Dasar Perseroan yang terakhir, Following the latest Articles of Association of the Company,
dan tujuan utama Perseroan adalah berusaha dalam bidang the main objective of the Company is to do business in
bank umum. Untuk mencapai maksud dan tujuan tersebut the field of commercial banking. To achieve these aims
Perseroan dapat melaksanakan kegiatan usaha sebagai and objectives, the Company may carry out the following
berikut: business activities:
KEGIATAN USAHA UTAMA MAIN BUSINESS ACTIVITIES
1. Menghimpun dana dari masyarakat dalam bentuk 1. Collecting funds from the public in the form of deposits
simpanan berupa giro, deposito berjangka, sertifikat in the form of demand deposits, time deposits,
deposito, tabungan dan/atau bentuk lainnya yang certificates of deposit, savings, and/or other equivalent
dipersamakan dengan itu; forms;
2. Memberikan kredit, baik untuk jangka panjang, jangka 2. Providing credit, both for the long term, medium term,
menengah, dan jangka pendek; and short term;
3. Menerbitkan surat pengakuan utang; 3. Issuing a debt acknowledgment letter;
4. Membeli, menjual, atau menjamin atas risiko sendiri 4. Buying, selling, or guaranteeing at its own risk or for the
maupun untuk kepentingan dan atau perintah benefit and/or orders of its customers:
nasabahnya:
a. Surat-surat wesel termasuk wesel yang diakseptasi a.Money orders, including money orders accepted by
oleh bank yang masa berlakunya tidak lebih lama dari banks, have a validity period not longer than the
kebiasaan dalam perdagangan surat-surat dimaksud; custom in trading the said letters;
b. Surat pengakuan utang dan kertas dagang lainnya b. Debt acknowledgment letters and other trading
yang masa berlakunya tidak lebih lama dari kebiasaan papers whose validity period is not longer than the
dalam perdagangan surat-surat dimaksud; custom in trading such documents;
c. Sertifikat Bank Indonesia (SBI); c. Bank Indonesia Certificate (SBI);
d. Obligasi; d. Bond;
e. Surat dagang berjangka waktu; e. Term trade certificates;
f. Instrumen surat berharga lainnya. f. Other securities instruments.
5. Memindahkan uang baik untuk kepentingan sendiri 5. Transferring money either for its own interest or for the
maupun untuk kepentingan nasabah; benefit of customers;
6. Menempatkan dana pada, meminjam dana dari, atau 6. Placing funds in, borrowing funds from, or lending
meminjamkan dana kepada bank lain, baik dengan funds to other banks, either by using letters,
menggunakan surat, sarana telekomunikasi maupun telecommunication facilities or by money orders,
dengan wesel unjuk, cek atau sarana lainya; checks or other means;
7. Menerima pembayaran dari tagihan atas surat berharga 7. Receiving payments from claims on securities and
dan melakukan perhitungan dengan atau antara pihak performing calculations with or between third parties;
ketiga.
8. Menyediakan tempat untuk menyimpan barang dan 8. Providing a place to store goods and securities;
surat berharga;
9. Melakukan kegiatan penitipan untuk kepentingan pihak 9. Carrying out safekeeping activities for the benefit of
lain berdasarkan suatu kontrak; other parties based on a contract;
10. Melakukan penempatan dana dari nasabah kepada 10. Placing funds from customers to other customers in
nasabah lainnya dalam surat berharga yang tidak securities that are not listed on the stock exchange;
tercatat di bursa efek;
11. Membeli melalui pelelangan agunan, baik semua 11. Purchasing through auction of collateral, either in
maupun sebagian, dalam hal debitur tidak memenuhi whole or in part, in the event that the debtor does
kewajibannya kepada Bank, dengan ketentuan agunan not fulfill his obligations to the Bank, provided that
yang dibeli tersebut wajib dicairkan secepatnya; the purchased collateral must be disbursed as soon as
possible;
50 Laporan Tahunan 2023 Annual Report
Page 53
12. Melakukan kegiatan anjak piutang, usaha kartu kredit, 12. Conducting factoring activities, credit card business,
dan kegiatan wali amanat; and trustee activities;
13. Melakukan kegiatan dalam valuta asing dengan memenuhi 13. Conducting activities in foreign currencies by complying
ketentuan yang ditetapkan oleh Bank Indonesia serta with the provisions stipulated by Bank Indonesia and
peraturan perundang-undangan yang berlaku; the prevailing laws and regulations;
14. Melakukan kegiatan penyertaan modal pada bank 14. Conducting equity participation in banks or other
atau perusahaan lain di bidang keuangan, seperti sewa companies in the financial sector, such as leasing,
guna usaha, modal ventura, perusahaan efek, asuransi venture capital, securities companies, insurance and
serta lembaga kliring penyelesaian dan penyimpanan, clearing, settlement and depository institutions, by
dengan memenuhi ketentuan yang ditetapkan oleh complying with the provisions stipulated by Bank
Bank Indonesia; Indonesia;
15. Melakukan kegiatan penyertaan modal sementara 15. Conducting temporary equity participation activities
untuk mengatasi akibat kegagalan kredit dengan to overcome the consequences of credit failure on the
syarat harus menarik kembali penyertaannya, dengan condition that the participation must be withdrawn,
memenuhi ketentuan yang ditetapkan oleh Bank in compliance with the provisions stipulated by Bank
Indonesia; dan Indonesia; and
16. Bertindak sebagai pendiri dana pensiun dan mengurus 16. Acting as the founder of the pension fund and
dana pensiun sesuai dengan ketentuan-ketentuan managing the pension fund following the provisions of
dalam peraturan perundang-undangan dana pensiun the applicable pension fund laws and regulations.
yang berlaku.
KEGIATAN USAHA PENUNJANG SUPPORTING BUSINESS ACTIVITIES
Melakukan kegiatan lain yang lazim dilakukan oleh bank Performing out other activities commonly carried out by
sepanjang tidak bertentangan dengan peraturan perundang- banks as long as they do not conflict with the applicable
undangan yang berlaku, termasuk antara lain tindakan laws and regulations, including, among others, actions
dalam rangka restrukturisasi atau penyelamatan kredit in the context of restructuring or credit rescue, including
antara lain membeli agunan, baik semua maupun sebagian, buying collateral, either in whole or in part, through auction
melalui lelang atau dengan cara lain, dalam hal debitur tidak or in other ways, in the event that the debtor does not fulfill
memenuhi kewajibannya kepada bank, dengan ketentuan its obligations to the Bank, provided that the collateral
agunan yang dibeli wajib dicairkan secepatnya. purchased must be disbursed as soon as possible.
PRODUK DAN LAYANAN PRODUCTS AND SERVICES
Sebagai salah satu langkah strategis dalam rangka As one of the strategic steps to meet market needs, the
memenuhi kebutuhan pasar, Bank menyediakan beberapa Bank provides several products and services for customers,
produk dan layanan untuk nasabah sebagai berikut: as follows:
PINJAMAN LOANS
Pinjaman Retail Bisnis Business Retail Loans
• Produk Program Kredit Potong Gaji (KPG). Merupakan • Salary Deduction Credit Program (SDC) product. It
pembiayaan yang dikhususkan kepada karyawan is a financing that is specifically for employees of
perusahaan yang bekerjasama dengan OK BANK, dalam companies that collaborate with Bank Oke Indonesia, in
hal kebutuhan dana untuk apa saja, bagi karyawan dan terms of funding needs for anything for employees and
keluarganya; their families;
• Produk Program Pembiayaan Multiguna dengan • Multipurpose Financing Program products with
Jaminan adalah pembiayaan dengan target UMKM dan Guarantees are financing with the target of MSMEs
juga masyarakat umum. Pembiayaan ini menggunakan and the general public. This financing uses a fixed asset
jaminan fix asset; guarantee;
PT Bank Oke Indonesia, Tbk. 51
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Profil Perusahaan
Company Profile
• Produk Program Merchant Loan, yaitu merupakan • Merchant Loan Program product is an unsecured
program pembiayaan tanpa jaminan untuk kebutuhan financing program for multipurpose needs with a limit
multiguna dengan limit sampai dengan Rp200 juta. of up to Rp200 million.
Pinjaman Bisnis Komersial Commercial Business Loans
• Pinjaman Rekening Koran; • Current Account Loans;
• Pinjaman Modal Kerja; • Working Capital Loans;
• Pinjaman Investasi. • Investment Loans.
SIMPANAN SAVINGS
Dana Pihak ketiga (DPK) Third Party Funds (TPF)
Untuk menghimpun dana dari pihak ketiga, Bank To raise funds from third parties, the Bank issues its deposit
mengeluarkan produk simpanannya sebagai berikut: products as follows:
Deposito Berjangka Time Deposits
Deposito ditawarkan dengan jangka waktu 1, 3, 6, dan 12 Time deposits are offered with maturities of 1, 3, 6, and 12
bulan, serta dapat diperpanjang sesuai keinginan nasabah months, and can be extended according to the customer’s
dan terbagi atas tiga segmen di antaranya adalah: wishes and are divided into three segments including:
• Deposito berjangka LKM, yakni deposito berjangka • MFI time deposits, namely time deposits for MFIs so that
untuk LKM agar nasabah dapat melakukan pengelolaan customers can perform better liquidity managemen t;
likuiditas yang lebih baik;
• Deposito berjangka korporasi yakni deposito berjangka • Corporate time deposits, namely time deposits
yang ditujukan bagi korporasi; intended for corporations;
• Deposito berjangka individual yakni deposito berjangka • Individual time deposits, namely time deposits intended
yang ditujukan bagi individu. for individuals.
Tabungan Savings
Merupakan produk dana simpanan yang menjangkau semua It is a savings fund product that reaches all people, safe,
kalangan, aman dan fleksibel. Saat ini produk tabungan and flexible. Currently available savings products include:
yang sudah tersedia di antaranya;
• OK Savings • OK Savings
• OK Taman Savings • OK Taman Savings
• OK Savings Plan • OK Savings Plan
• Tabungan Bisnis • Business Savings
Giro Current Accounts
Merupakan produk dana simpanan yang relatif lebih It is a savings fund product that is relatively more flexible
fleksibel untuk pengaturan likuiditas dan transaksi. for liquidity and transaction arrangements.
52 Laporan Tahunan 2023 Annual Report
Page 55
LAYANAN SERVICES
Dalam rangka menunjang bisnis, OK BANK juga menyediakan To support business, OK BANK also provides various
berbagai layanan yang dapat memberikan nilai tambah services that can provide positive added value for its
positif bagi customer OK BANK, antara lain: customers, including:
1. Transfer dana melalui RTGS dan SKN; 1. Fund transfer through RTGS and SKN;
2. E-Channel (Internet Banking/Mobile Banking); 2. E-Channel (Internet Banking/Mobile Banking);
3. Layanan ATM/Debit Bersama; 3. Shared ATM/Debit Service;
4. Pembayaran Telepon; 4. Telephone Payments;
5. Sewa Safe Deposit Box (SDB); 5. Rental of Safe Deposit Box (SDB);
6. Bank Garansi; 6. Bank Guarantee;
7. Perdagangan Valuta Asing (Bank Notes); 7. Foreign Exchange Trading (Bank Notes);
8. OK! BPR (d/h Bank Oke Bersama BPR (OBB)) adalah 8. OK! BPR (formerly Bank Oke Bersama BPR (OBB)) is a
suatu forum kebersamaan antara Bank Perkreditan forum of togetherness between Rural Banks (BPR)
Rakyat (BPR) anggota Perhimpunan Bank Perkreditan members of the Association of Indonesian Rural Banks
Rakyat Indonesia (PERBARINDO), dibentuk untuk (PERBARINDO), formed to carry out joint activities to
melakukan kegiatan bersama mengembangkan usaha develop BPR businesses and their resources so that
BPR dan sumber dayanya agar dapat berkembang they can develop it better. Service OK! BPRs include
lebih baik. Layanan OK! BPR di antaranya adalah pooling of funds, provision of liquidity mismatches, and
penghimpunan dana (pooling of funds), penyediaan some technical assistance. At this time, OK! BPR is still
likuiditas mismatch, dan beberapa bantuan teknis active in Bali, with a total of 95 BPR Bali OBB members.
(technical assistance). Saat ini, OK! BPR masih aktif di
Bali, dengan jumlah anggota OBB Bali 95 BPR.
PT Bank Oke Indonesia, Tbk. 53
Page 56
Profil Perusahaan
Company Profile
Wilayah Operasi OK BANK
OK BANK Operational Area
Kantor Pusat Kantor Cabang Kantor Cabang Pembantu
Head Office Branch Office Sub-Branch Office
1 DKI Jakarta 1 DKI Jakarta 9 DKI Jakarta
Kantor Cabang Pembantu
Sub-Branch Office Kantor Cabang
Branch Office
1 Banten
1 Bali
Kantor Cabang
Kantor Cabang Kantor Cabang Branch Office
Branch Office Branch Office 1 Jawa Timur
1 Jawa Barat 1 Jawa Tengah
Berdasarkan Jumlah Provinsi
Based on Number of Provinces
Kantor Pusat
Head Office Kantor Pusat
Head Office
1 DKI Jakarta
PT Bank Oke Indonesia, Tbk.
Kantor Cabang
Branch Office
Jl. Ir. H. Juanda No.12
Jakarta Pusat 10120, Indonesia
1 1 1
Jawa Tengah Bali Phone : 021 - 2312633
DKI Jakarta
Central Java Fax : 021 - 2312604
E-mail : customercare@okbank.co.id
1 1
Jawa Barat Jawa Timur
West Java East Java
Kantor Cabang Pembantu
Sub-Branch Office
9 1
DKI Jakarta Banten
54 Laporan Tahunan 2023 Annual Report
Page 57
Kantor Cabang
Branch Office
Juanda Semarang
Jl. Ir. H. Juanda No. 12, Jakarta Pusat Jl. Pemuda No. 45-51, Pandansari, Semarang, Jawa Tengah
Jl. Ir. H. Juanda No. 12, Central Jakarta Jl. Pemuda No. 45-51, Pandansari, Semarang, Central Java
Telepon : 021-231-2633 Telepon : 024-86041171
Faksimile | Facsimile : 021-231-2604 Faksimile | Facsimile :
E-mail : customercare@okbank.co.id E-mail : customercare@okbank.co.id
Surabaya Denpasar
Jl Manyar Kertoarjo No. 45 Surabaya Jawa TImur Jl. Teuku Umar No. 173, Denpasar Barat, Bali, Indonesia 80114
Jl Manyar Kertoarjo No. 45 Surabaya, East Java Jl. Teuku Umar No. 173, West Denpasar, Bali, Indonesia 80114
Telepon : 031 – 359 54001 Telepon : 0361-227-721-4
Faksimile | Facsimile : Faksimile | Facsimile : 0361-236-712
E-mail : customercare@okbank.co.id E-mail : customercare@okbank.co.id
Bandung
Jl. Pasir Kaliki No.161, Pamoyanan, Kec. Cicendo, Kota Bandung,
Provinsi Jawa Barat – 40173
Jl. Pasir Kaliki No.161, Pamoyanan, Cicendo District, Bandung City,
West Java Province - 40173
Telepon : 022-20597570
Faksimile | Facsimile :
E-mail : customercare@okbank.co.id
Kantor Cabang Pembantu
Sub-Branch Office
Sudirman Candranaya
Gedung Wisma Nugra Santana, Lt. Ground Jl. Jembatan Besi II No. 26 Jakarta Barat
Jl. Jendral Sudirman Kav. 7-8 Jakarta Pusat, Indonesia 10220 Jl. Jembatan Besi II No. 26 West Jakarta
Wisma Nugra Santana Building, Ground Floor, Telepon : 021-630-1326
Jl. Jendral Sudirman Kav. 7-8 Central Jakarta, Indonesia 10220 Faksimile | Facsimile : 021-634-4483
Telepon : 021-570-2600 E-mail : customercare@okbank.co.id
Faksimile | Facsimile : 021-570-2626
E-mail : customercare@okbank.co.id Pluit
Komplek Ruko Sentral Bisnis Pluit Blok A No. 16
Mangga Dua Jl. Pluit Sakti Raya No. 28, Jakarta Utara
Ruko Harco Mangga Dua Blok I No. 3 Jakarta Utara Sentral Bisnis Pluit Shophouse Complex Block A No. 16
Ruko Harco Mangga Dua Block I No. 3 North Jakarta Jl. Pluit Sakti Raya No. 28, North Jakarta
Telepon : 021-600-5588 Telepon : 021-663-2481
Faksimile | Facsimile : 021-612-3798 Faksimile | Facsimile : 021-663-2483
E-mail : customercare@okbank.co.id E-mail : customercare@okbank.co.id
Pondok Indah Kelapa Gading
Jl. Margaguna Raya, Kel. Gandaria Utara Kec. Kebayoran Baru, Jl. Raya Boulevard Barat Blok LC. 7 No. 16 Jakarta Utara
Jakarta Selatan 12140 Jl. Raya Boulevard Barat Block LC. 7 No. 16 North Jakarta
Jl. Margaguna Raya, Gandaria Utara Sub-district, Telepon : 021-451-5367,451-5368
Kebayoran Baru District, South Jakarta 12140 Faksimile | Facsimile : 021-452-8747
Telepon : 021-7394007 E-mail : customercare@okbank.co.id
Faksimile | Facsimile :
E-mail : customercare@okbank.co.id Taman Ratu
Jl. Komplek Perumahan Taman Ratu Indah Blok AA2 No. 31
Wahid Hasyim Jl. Komplek Perumahan Taman Ratu Indah Block AA2 No. 31
Jl. KH. Wahid Hasyim No. 212, Kel. Kampung Bali Telepon : 021-21252815
Kec. Tanah Abang, Jakarta Pusat 10250 Faksimile | Facsimile : 021-22956462
Jl. KH. Wahid Hasyim No. 212, Kampung Bali Sub-district, E-mail : customercare@okbank.co.id
Tanah Abang District, Central Jakarta 10250
Telepon : 021-3105105, 3105106 Gading Serpong
Faksimile | Facsimile : 021-3161426 Ruko Alexsandrite Blok ALX 03 No. 25
E-mail : customercare@okbank.co.id Jl. Boulevard Gading Serpong, Tangerang
Alexsandrite Shophouse Block ALX 03 No. 25
Perniagaan Jl. Boulevard Gading Serpong, Tangerang
Jl. Pasar Pagi Raya No. 33, Roa Malaka Jakarta Barat Telepon : 021-2222-0029
Jl. Pasar Pagi Raya No. 33, Roa Malaka, West Jakarta Faksimile | Facsimile : 021-2222-0030
Telepon : 021-690-7170 E-mail : customercare@okbank.co.id
Faksimile | Facsimile : 021-692-3340
E-mail : customercare@okbank.co.id
PT Bank Oke Indonesia, Tbk. 55
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Profil Perusahaan
Company Profile
Perubahan Signifikan
Significant Changes
Pada tahun ini OK BANK Tidak ada perubahan signifikan. This year, OK BANK had no significant changes.
Keanggotaan dalam Asosiasi
Membership in Association
ANGGOTA ASOSIASI INDUSTRI KEUANGAN MEMBER OF THE FINANCIAL INDUSTRY
ASSOCIATION
Untuk kelancaran operasional terutama terkait perbankan, For smooth operations, especially in relation to banking,
OK BANK bergabung menjadi Anggota Asosiasi Industri OK BANK joined as a member of the Financial Industry
Keuangan. Dengan bergabung sebagai anggota asosiasi, OK Association. By joining as an association member, OK BANK
BANK banyak mendapatkan informasi seputar peraturan, gets a lot of information on regulations, socialization, and
sosialisasi dan pelatihan seputar aktivitas perbankan. training regarding banking activities.
Nama Posisi Lingkup
No
Name Position Scope
1 Perhimpunan Bank Nasional (Perbanas) Anggota Nasional
National Bank Association (Perbanas) Member National
2 FKDKP (Forum Komunikasi Direktur Kepatuhan Perbankan) Anggota Nasional
FKDKP (Communication Forum of Banking Compliance Directors) Member National
3 ASPI (Asosiasi Sistem Pembayaran Indonesia) Anggota Nasional
ASPI (Indonesian Payment System Association) Member National
4 ATM Bersama Anggota Nasional
Member National
5 IBI (Ikatan Bankir Indonesia) Anggota Nasional
IBI (Indonesian Bankers Association) Member National
6 ALTO Anggota Nasional
Member National
7 Pefindo Biro Kredit Anggota Nasional
Pefindo Credit Agency Member National
8 FKDOP - Forum Komunikasi Direktur Operasional Anggota Nasional
FKDOP - Communication Forum for Banking Operations Directors Member National
56 Laporan Tahunan 2023 Annual Report
Page 59
Visi, Misi, dan Nilai OK BANK
OK BANK Vision, Mission, and Values
VISI VISION MISI MISSION
Untuk menjadi bank terbaik dalam Untuk memberikan kepercayaan
memprioritaskan pelayanan prima. kepada pelanggan serta memberikan
To become the best bank in prioritizing kontribusi kepada masyarakat
service excellent. dengan layanan terbaik.
To give trust to customers and contribute
to the society with the best service.
Nilai-Nilai Perusahaan
Corporate Values
Budaya Kerja yang Berorientasi Prioritas dalam Layanan Pelanggan
pada Keuntungan Priority in Customer Service
Profit Oriented Work Culture
Berusaha keras untuk mengembangkan budaya kerja Klien kami adalah alasan kehadiran kami hari ini. PT Bank
yang berorientasi pada keuntungan. Oke Indonesia, Tbk. akan selalu mengutamakan kepuasan
Strive to develop a profit-oriented work culture. pelanggan.
Our clients are the reason we are here today. PT Bank Oke
Indonesia, Tbk. will always prioritize customer satisfaction.
Kemahiran dalam Kode Etik Kerja Tim yang Kuat
Proficiency in the Code of Conduct Strong Teamwork
Kode etik menghayati nilai-nilai kita dan memenuhi janji Pentingnya kerja tim di tempat kerja sangat penting untuk
merek kita dalam segala hal yang kita lakukan. keberhasilan bank dan untuk pengembangan karyawan.
Our code of conduct lives up to our values and delivers The importance of teamwork in the workplace is critical for
on our brand promise in everything we do. the success of the bank and for employee development.
PT Bank Oke Indonesia, Tbk. 57
Page 60
Profil Perusahaan
Company Profile
Struktur Organisasi
Organizational Structurew
Remuneration and Risk Oversight Committee Audit Committee
Nomination Committee
IT Steering Committee Loan Committee Risk Management ALCO
Committee
Hun Pyong Hahm
CORP.PLANNING DIVISION
Efdinal Alamsyah Inhyo Wang
COMPLIANCE DIRECTOR CREDIT AND IT DIRECTOR
Jonsen Prasetio Fery Ferdian Pratama
COMPLIANCE DIVISION CREDIT REVIEW DIVISION
Jefitra
Moch. Maurice
RISK MANAGEMENT
LEGAL DIVISION
DIVISION
Jong Ha Lee
Novita Dwi K.
LOAN ASSETS
HUMAN CAPITAL DIVISION
MANAGEMENT DIVISION
Noni Park Dong Won
CORP. SECRETARY IT PLANNING DIVISION
DIVISION
Lim Siau Sien
IT OPERATION DIVISION
58 Laporan Tahunan 2023 Annual Report
Page 61
Shareholder’s Meeting
Board of Commissioners
Board of Directors Credit Policy Committee Product Development
Committee
Park Young Man Murniasih
CEO INTERNAL AUDIT
Hendra Lie
V.M Djuni W.
DEPUTY PRESIDENT
BUSINESS DIRECTOR
DIRECTOR
TBA Bermani Achmad Deasy Wulaningsih
BUSINESS 1 DIVISION IT SECURITY & FINANCE DIVISION
RESILIENCE UNIT
Hyosun Kwak
Silvya Suryadi Natalia Budiman RETAIL CREDIT AND
BUSINESS 2 DIVISION FUNDING DIVISION DIGITAL STRATEGY
DIVISION
Kim Tae Seob
TBA
MARKETING COMM.
BUSINESS 3 DIVISION
DIVISION
Oscar S. Nining Kieswati
BUSINESS 4 DIVISION OPERATION DIVISION
TBA Benjamin W.
CREDIT ANALYST DIV/ TREASURY DEPARTMENT
DEPART.
Yoon Jun Kang Hendy Setiawan
Branches
RETAIL BUSINESS DEV. GA DEPARTMENT
PT Bank Oke Indonesia, Tbk. 59
Page 62
Profil Perusahaan
Company Profile
Profil Dewan Komisaris
Board of Commissioner’s Profile
Chairudin Lim Cheol Jin Sondang Martha Samosir
Komisaris Independen Komisaris Utama Komisaris Independen
Independent Commissioner President Commissioner Independent Commissioner
60 Laporan Tahunan 2023 Annual Report
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Dasar Pengangkatan
Basis of Appointment
Keputusan RUPSLB tanggal 12 Januari 2021
Resolution of the EGMS dated January 12, 2021
Persetujuan OJK
OJK Approval
17 Februari 2021
February 17, 2021
Riwayat Pendidikan
Educational Background
Bachelor of English Education dari Chonbuk National University, Korea Selatan.
Bachelor’s Degree in English Education from Chonbuk National University, South Korea
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk. sebagai Komisaris Utama (Februari 2021-sekarang).
• PT Bank Oke Indonesia, Tbk. (d/h PT Bank Dinar Indonesia Tbk) sebagai Direktur Utama
(Juli 2019-Januari 2021).
• PT Bank Oke Indonesia (d/h PT Bank Andara) sebagai Direktur Utama (2017-Juli 2019).
• Bank Woori Saudara Indonesia sebagai Executive Vice President (2012-2017).
• Woori Bank, Korea sebagai General Manager (2007-2012).
• Bank Woori Indonesia (Bank Hanvit Indonesia) sebagai Direktur Utama (2003-2007)
• Harvit Bank, Korea Head Office sebagai Deputy General Manager (1998-2003).
• The Commercial Bank of Korea (CBK) (1982-1998), jabatan terakhir Deputy General
Lim Cheol Jin Manager
• PT Bank Oke Indonesia, Tbk. as President Commissioner (February 2021-present).
Komisaris Utama • PT Bank Oke Indonesia, Tbk. (formerly PT Bank Dinar Indonesia Tbk) as President Director
President Commissioner (July 2019-January 2021).
• PT Bank Oke Indonesia (formerly PT Bank Andara) as President Director (2017-July 2019).
• Bank Woori Saudara Indonesia as Executive Vice President (2012-2017).
Kebangsaan Korea Selatan • Woori Bank, Korea as General Manager (2007-2012).
Domisili Jakarta • Bank Woori Indonesia (Bank Hanvit Indonesia) as President Director (2003-2007).
Nationality South Korea • Harvit Bank, Korea Head Office as Deputy General Manager (1998-2003).
Domicile Jakarta • The Commercial Bank of Korea (CBK) (1982-1998), last position as Deputy General
Manager.
Rangkap Jabatan
Usia 66 Tahun Concurrent Position
Age 66 Years Old Rangkap jabatan sebagai anggota komite sebagaimana penjelasan pada Bab Tata Kelola
Perusahaan perihal Komite di bawah Dewan Komisaris.
Concurrent position as committee member as explained in the Corporate Governance
Chapter regarding Committees under the Board of Commissioners.
Sertifikasi
Certification
• Refreshment Risk Management for Top Level (2023)
• Refreshment Risk Management the understanding Financial Distress Predictive Analysis
to Mitigate Risk (2022)
• Sertifikasi Manajemen Risiko level 4 oleh Lembaga Sertifikasi Profesi Perbankan (LSPP)
(2019)
• Risk Management Refreshment for Top Level (2023)
• Risk Management Refreshment the understanding Financial Distress Predictive Analysis
to Mitigate Risk (2022)
• Level 4 Risk Management Certification by the Banking Professional Certification
Institute (LSPP) (2019)
Kepemilikan Saham
Share Ownership
Nihil.
None.
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi
lainnya dan Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the
Board of Directors, and Major Shareholders.
PT Bank Oke Indonesia, Tbk. 61
Page 64
Profil Perusahaan
Company Profile
Dasar Pengangkatan
Basis of Appointment
Keputusan RUPSLB tanggal 11 Mei 2022 | Resolution of the EGMS dated May 11, 2022
Persetujuan OJK
OJK Approval
8 Agustus 2022 | August 8, 2022
Riwayat Pendidikan
Educational Background
• Master of Management, STIE IPWI.
• Sarjana Ekonomi, Universitas Sumatera Utara.
• Magister of Management, STIE IPWI.
• Bachelor’s Degree in Economics, University of North Sumatra.
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk., sebagai Komisaris Independen (Agustus 2022-sekarang).
• Otoritas Jasa Keuangan sebagai Advisor Departemen Riset Jasa Keuangan dan pada
Departemen Organisasi dan Sumber Daya Manusia (2020- 2022).
• Otoritas Jasa Keuangan sebagai Direktur Eksekutif/Kepala Departemen Literasi dan
Inklusi Keuangan (2018- 2020).
• Otoritas Jasa Keuangan sebagai Advisor Departemen Pengendalian Kualitas Pengawasan
Perbankan (2017- 2018)
• Otoritas Jasa Keuangan sebagai Direktur Direktorat Perlindungan Konsumen (2013-
2017).
Sondang Martha Samosir • Bank Indonesia jabatan terakhir sebagai Direktur (April 1987-Desember 2013).
• PT Bank Oke Indonesia, Tbk., as Independent Commissioner (August 2022-present).
Komisaris Independen • Financial Services Authority as Advisor at the level of Department Head in the Financial
Independent Commissioner Services Research Department and in Organization and Human Resources Department
(January 2020-April 2022).
• Financial Services Authority as Executive Director/Head of Financial Literacy and
Kebangsaan Indonesia Inclusion Department (September 2018-January 2020)
Domisili DKI Jakarta • Financial Services Authority as Advisor to the Banking Supervision Quality Control
Nationality Indonesia Department (September 2017-August 2018).
Domicile DKI Jakarta • Financial Services Authority as Director of Consumer Protection Directorate (December
2013-August 2017).
• Bank Indonesia - last position as Director (April 1987-December 2013).
Usia 61 Tahun Rangkap Jabatan
Age 61 Years Old Concurrent Position
Rangkap jabatan sebagai anggota komite sebagaimana penjelasan pada Bab Tata Kelola
Perusahaan perihal Komite di bawah Dewan Komisaris.
Concurrent position as committee member as explained in the Corporate Governance
Chapter regarding Committees under the Board of Commissioners.
Sertifikasi
Certification
• Refreshment Risk Management for Top Level (2023)
• Manajemen Risiko Perbankan, Level 2 Lembaga Sertifikasi Profesi Perbankan (2022)
• Certified Interviewer of Targeted Selection (Sertifikasi Pewawancara) (2009)
• Sertifikasi Pengawas Bank (2006)
• Mediasi– Pusat Mediasi Nasional (2006)
• Mediasi – Learning Center DSDM (2006)
• Risk Management Refreshment for Top Level (2023)
• Banking Risk Management, Level 2 Banking Professional Certification Institute (2022)
• Certified Interviewer of Targeted Selection (Interviewer Certification) (2009)
• Bank Supervisor Certification (2006)
• Mediation – National Mediation Center (2006)
• Mediation – DSDM Learning Center (2006)
Kepemilikan Saham
Share Ownership
Nihil | None
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi
lainnya dan Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the
Board of Directors, and Major Shareholders.
Pernyataan Independensi
Statement of Independence
Belum menjabat lebih dari 2 (dua) periode sebagai Komisaris Independen
Has not served more than 2 (two) terms as Independent Commissioner
62 Laporan Tahunan 2023 Annual Report
Page 65
Dasar Pengangkatan
Basis of Appointment
Keputusan RUPSLB tanggal 11 Mei 2023 | Resolution of the EGMS dated May 11, 2023
Persetujuan OJK
OJK Approval
17 Juli 2023 | July 17, 2023
Riwayat Pendidikan
Educational Background
Sarjana Akuntansi dari Swadaya Gunung Djati Universitas, Cirebon, 2001.
Bachelor’s Degree in Accounting from Swadaya Gunung Djati University, Cirebon, 2001.
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk. sebagai Komisaris Independen (1 September 2023 -sekarang).
• DBS Bank of Indonesia, sebagai Head of Reulatory Compliance (2020-2023)
• Otoritas Jasa Keuangan sebagai Deputy Director (2014-2020)
• Bank Indonesia, Jakarta sebagai Bank Supervisor (2003-2006)
• Bank Indonesia, Jambi (1998 – 2003)
• Bank Indonesia, Jakarta (1984 – 1992)
• PT Bank Oke Indonesia, Tbk. as Independent Commissioner (September 1 -present).
• DBS Bank of Indonesia, as Head of Regulatory Compliance (2020-2023)
• Financial Services Authority as Deputy Director (2014-2020)
• Bank Indonesia, Jakarta as Bank Supervisor (2003-2006)
• Bank Indonesia, Jambi (1998 - 2003)
Chairudin • Bank Indonesia, Jakarta (1984 - 1992)
Rangkap Jabatan
Komisaris Independen Concurrent Position
Independent Commissioner Rangkap jabatan sebagai anggota komite sebagaimana penjelasan pada Bab Tata Kelola
Perusahaan perihal Komite di bawah Dewan Komisaris.
Concurrent position as committee member as explained in the Corporate Governance
Kebangsaan Indonesia Chapter regarding Committees under the Board of Commissioners.
Domisili DKI Jakarta Sertifikasi
Nationality Indonesia Certification
Domicile DKI Jakarta • Program Pembekalan Manajemen Risiko bagi Calon Anggota Komisaris oleh Lembaga
Pengembangan Perbankan Indonesia (LPPI) (2023)
• Sertifikasi Manajemen Risiko Level 4 oleh Badan Sertiikasi Manajemen Risiko (BSMR)
Usia 63 Tahun (2022)
Age 63 Years Old • Program Pengembangan Kepemimpinan Berjenjang PPKB Level Madya oleh Otoritas
Jasa Keuangan (2016)
• Sertifikasi Sektor Perbankan oleh Bank Indonesia (2011)
• Risk Based Bank Supervision oleh Bank Indonesia (2011)
• Program Kepemimpinan Indonesia I oleh Bank Indonesia (2010)
• Pedoman Akuntansi Perbankan Indonesia oleh Ikatan Akuntan Indonesia (2009)
• Sertifikasi Perbankan Do or Delegate oleh Lembaga Manajemen IMMI (2005)
• Bank-Pengawasan & Pemeriksaan Bank oleh Institut Bankir Indonesia (2001)
• Pendidikan Calon Pemeriksa/Analis Bank oleh Bank Indonesia (1992)
• Risk Management Debriefing Program for Candidates of Commissioner Members by the
Indonesian Banking Development Institute (LPPI) (2023)
• Level 4 Risk Management Certification by the Risk Management Certification Board
(BSMR) (2022)
• Intermediate Level PPKB Tiered Leadership Development Program by the Financial
Services Authority (2016)
• Banking Sector Certification by Bank Indonesia (2011)
• Risk Based Bank Supervision by Bank Indonesia (2011)
• Indonesian Leadership Program I by Bank Indonesia (2010)
• Indonesian Banking Accounting Guidelines by the Institute of Indonesia Chartered
Accountants (2009)
• Banking Do or Delegate Certification by IMMI Management Institute (2005)
• Bank-Supervision & Bank Examination by Indonesian Bankers Institute (2001)
• Education of Prospective Bank Examiners/Analysts by Bank Indonesia (1992)
Kepemilikan Saham
Share Ownership
Nihil | None
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi
lainnya dan Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the
Board of Directors, and Major Shareholders.
Pernyataan Independensi
Statement of Independence
Belum menjabat lebih dari 2 (dua) periode sebagai Komisaris Independen
Has not served more than 2 (two) terms as Independent Commissioner
PT Bank Oke Indonesia, Tbk. 63
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Profil Perusahaan
Company Profile
PERUBAHAN KOMPOSISI ANGGOTA DEWAN CHANGES IN THE COMPOSITION OF MEMBERS
KOMISARIS DAN ALASAN PERUBAHANNYA OF THE BOARD OF COMMISSIONERS AND
REASONS FOR CHANGES
Selama tahun 2023, telah terjadi perubahan komposisi During 2023, there has been a change in the composition of
anggota Dewan Komisaris sebagaimana penjelasan berikut: members of the Board of Commissioners as explained below:
Komposisi Dewan Komisaris Sebelum RUPS Luar Biasa Composition of the Board of Commissioners Prior to the
Tanggal 11 Mei 2023 Extraordinary GMS Dated May 11, 2023
Komposisi Dewan Komisaris sebelum RUPS Luar Biasa The composition of the Board of Commissioners before the
tanggal 11 Mei 2023 sebanyak 3 (tiga) orang yang terdiri dari Extraordinary GMS dated May 11, 2023 was 3 (three) people
1 (satu) orang Komisaris Utama dan 2 (dua) orang Komisaris consisting of 1 (one) President Commissioner and 2 (two)
Independen. Komposisi Dewan Komisaris sebelum RUPS Independent Commissioners. The composition of the Board
Luar Biasa tanggal 11 Mei 2023 adalah sebagai berikut: of Commissioners before the Extraordinary GMS dated May
11, 2023 is as follows:
Komisaris Utama : Lim Cheol Jin President Commissioner : Lim Cheol Jin
Komisaris Independen : Idham Aziz Independent Commissioner : Idham Aziz
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
Komposisi Dewan Komisaris setelah RUPS Luar Biasa Composition of the Board of Commissioners after the
Tanggal 11 Mei 2023 Extraordinary GMS Dated May 11, 2023
Pada tanggal 11 Mei 2023, RUPS Luar Biasa memutuskan On May 11, 2023, the Extraordinary GMS decided to change
perubahan susunan pengurus Perseroan sebagai berikut: the composition of the Company’s management as follows:
1. Menyetujui untuk memberhentikan dengan hormat Sdr. 1. Approved to honorably dismiss Mr. Idham Aziz as
Idham Aziz, selaku Komisaris Independen, dan berlaku Independent Commissioner, and is effective since the
efektif sejak RUPSLB ini ditutup. closing of the EGMS.
2. Menyetujui untuk mengangkat Sdr. Chairudin selaku 2. Approved to appoint Mr. Chairudin as Independent
Komisaris Independen dan akan berlaku efektif setelah Commissioner, and will become effective after obtaining
mendapatkan persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority (OJK) or
(OJK), atau instansi berwenang lainnya. other authorized agencies.
3. Dengan demikian susunan kepengurusan PT Bank Oke 3. Thus, the management composition of PT Bank Oke
Indonesia, Tbk. menjadi: Indonesia, Tbk. are:
Komisaris Utama : Lim Cheol Jin President Commissioner : Lim Cheol Jin
Komisaris Independen : Chairudin Independent Commissioner : Chairudin
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
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PT Bank Oke Indonesia, Tbk. 65
Page 68
Profil Perusahaan
Company Profile
Profil Direksi
Directors’s Profile
Inhyo Wang Park Young Man Efdinal Alamsyah
Direktur Kredit dan IT
Direktur Utama Direktur Kepatuhan
Director of Credit and IT
President Director Director of Compliance
Hendra Lie Vincentia M. Djuniwati W
Wakil Direktur Utama
Direktur Bisnis
Vice President Director
Director of Business
66 Laporan Tahunan 2023 Annual Report
Page 69
Dasar Pengangkatan
Basis of Appointment
Keputusan RUPSLB tanggal 12 Januari 2021 | Resolution of the EGMS dated January 12, 2021
Persetujuan OJK
OJK Approval
15 Maret 2021 | March 15, 2021
Riwayat Pendidikan
Educational Background
• Executive Master of Business Administration dari Helsinki School of Economics and
Business Administration, 2000.
• Bachelor of Business Administration dari Hankuk University of Foreign Studies, 1990.
• Executive Master of Business Administration from Helsinki School of Economics and
Business Administration, 2000.
• Bachelor of Business Administration from Hankuk University of Foreign Studies, 1990.
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk. sebagai Direktur Utama (2021-sekarang).
• Bank Woori Saudara Indonesia sebagai Direktur (2017-2020).
• Woori Bank, Singapore sebagai Senior General Manager (2012-2017).
• Woori Bank, Korea di Investment Banking Group dan Branch Manager dengan jabatan
terakhir sebagai General Manager (2004 -2012).
• Woori Bank, Singapore sebagai Senior Manager (2001-2004).
• Woori Bank, Korea dengan jabatan terakhir sebagai Manager (1990-2001)
Park Young Man • PT Bank Oke Indonesia, Tbk. as President Director (2021-present).
Direktur Utama • Bank Woori Saudara Indonesia as Director (2017-2020).
• Woori Bank, Singapore as Senior General Manager (2012-2017).
President Director • Woori Bank, Korea in Investment Banking Group and Branch Manager with last position
as General Manager (2004¬-2012).
• Woori Bank, Singapore as Senior Manager (2001-2004).
Kebangsaan Korea Selatan • Woori Bank, Korea with last position as Manager (1990-2001).
Domisili DKI Jakarta Rangkap Jabatan
Nationality South Korea Concurrent Position
Domicile DKI Jakarta Rangkap jabatan sebagai anggota komite sebagaimana penjelasan pada Bab Tata Kelola
Perusahaan perihal Komite dibawah Direksi.
Concurrent position as committee member as explained in the Corporate Governance
Usia 60 Tahun Chapter regarding Committees under the Board of Directors.
Age 60 Years Old Sertifikasi
Certification
• Refreshment Risk Management for Top Level (2023)
• Risk Management Certification Refreshment Program “Control Of Bank Operational Risk
In The Digital Banking and Covid-19 Era” (2021)
• Sertifikasi Manajemen Risiko level 5 oleh Lembaga Sertifikasi Profesi Perbankan/LSPP
• Risk Management Refreshment for Top Level (2023)
• Risk Management Certification Refreshment Program “Control of Bank Operational Risk
in the Digital Banking and Covid-19 Era” (2021)
• Level 5 Risk Management Certification by the Banking Professional Certification
Institute/LSPP
Kepemilikan Saham
Share Ownership
Nihil | None
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi
lainnya dan Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the
Board of Directors, and Major Shareholders.
PT Bank Oke Indonesia, Tbk. 67
Page 70
Profil Perusahaan
Company Profile
Dasar Pengangkatan
Basis of Appointment
Keputusan RUPSLB tanggal 11 Maret 2019 | Resolution of the EGMS dated March 11, 2019
Persetujuan OJK
OJK Approval
21 Juni 2019 | June 21, 2019
Riwayat Pendidikan
Educational Background
• Magister Hukum dari Universitas Trisakti, 2017
• Sarjana Ekonomi dari Universitas Krida Wacana, 1990
• Master’s Degree in Law from Trisakti University, 2017
• Bachelor’s Degree in Economics from Krida Wacana University, 1990.
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk. (d/h. PT Bank Dinar Indonesia Tbk) sebagai Wakil Direktur
Utama (2019-sekarang).
• PT Bank Dinar Indonesia Tbk sebagai Direktur Utama (2012-2019).
• Bank Mutiara sebagai Division Head Network Development (2011-2012).
• Bank Mutiara sebagai Head of Regional Office 3 (2010-2011).
• Bank Mutiara sebagai Head of Regional Office 2 (2009-2010).
• Bank Century hingga Bank Mutiara sebagai Branch Manager (2008- 2009).
• Bank Danpac sebagai Branch Manager (2000-2005).
• Bank Asia Pasific (Aspac) dengan posisi terakhir sebagai Branch Manager (1990-1999).
Hendra Lie • Bank Windu Kentjana sebagai Analis Kredit (1989).
• PT Bank Oke Indonesia, Tbk. (formerly PT Bank Dinar Indonesia Tbk) as Vice President
Wakil Direktur Utama Director (2019-present).
Vice President Director • PT Bank Dinar Indonesia Tbk as President Director (2012-2019).
• Bank Mutiara as Head Network Development Division (2011-2012).
• Bank Mutiara as Head of Regional Office 3 (2010-2011).
Kebangsaan Indonesia • Bank Mutiara as Head of Regional Office 2 (2009-2010).
Domisili DKI Jakarta • Bank Century to Bank Mutiara as Branch Manager (2008-2009).
Nationality Indonesia • Bank Danpac as Branch Manager (2000-2005).
• Bank Asia Pacific (Aspac) with last position as Branch Manager (1990-1999).
Domicile DKI Jakarta
• Bank Windu Kentjana as Credit Analyst (1989).
Rangkap Jabatan
Concurrent Position
Usia 57 Tahun Tidak merangkap jabatan baik di Perseroan maupun lembaga lainnya
Age 57 Years Old Not holding concurrent positions both in the Company and other institutions
Sertifikasi
Certification
• Refreshment Risk Management for Top Level (2023)
• Risk Management Certification Refreshment Program “Control Of Bank Operational Risk
In The Digital Banking and Covid-19 Era” (2021)
• Sertifikasi Treasury Level Advance oleh Lembaga Sertifikasi Profesi Perbankan/LSPP
• Sertifikasi Manajemen Risiko level 5 oleh Lembaga Sertifikasi Profesi Perbankan/LSPP
• Risk Management Refreshment for Top Level (2023)
• Risk Management Certification Refreshment Program “Control of Bank Operational Risk
in the Digital Banking and Covid-19 Era” (2021)
• Treasury Level Advance Certification by the Banking Professional Certification Institute/
LSPP.
• Banking Compliance Certification Level 5 by the Banking Professional Certification
Institute (LSPP).
Kepemilikan Saham
Share Ownership
Nihil | None
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi
lainnya dan Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the
Board of Directors, and Major Shareholders.
68 Laporan Tahunan 2023 Annual Report
Page 71
Dasar Pengangkatan
Basis of Appointment
Keputusan RUPS 11 Mei 2023 | Resolution of the GMS dated May 11, 2023
Persetujuan OJK
OJK Approval
30 Mei 2023 | May 30, 2023
Riwayat Pendidikan
Educational Background
Bachelor dari KAIST (Korea Advanced Institute of Science and Technology) di Seoul, 1996
Bachelor from KAIST (Korea Advanced Institute of Science and Technology) in Seoul, 1996
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk., sebagai Direktur Kredit dan IT (Juli 2023-sekarang).
• Kepala Divisi Corpprate Planning PT Bank Oke Indonesia, Tbk. (2018- Februari 2023).
• General Manager di OK Saving Bank, Korea. (2016-2018).
• Direktur di Standard Chartered Bank, Korea. (2005-2015).
• Manajer di Hyundai Car (2003-2005).
• Senior Consultant LKFS Consulting Co. (2002-2003).
• Asisten Manager di Samsung Life Insurance (1996-2001).
• PT Bank Oke Indonesia, Tbk., as Credit Director (July 2023-present).
• Head of Corporate Planning Division of PT Bank Oke Indonesia, Tbk. (2018- February
2023).
• General Manager at OK Saving Bank, Korea. (2016-2018).
Inhyo Wang • Director at Standard Chartered Bank, Korea. (2005-2015).
• Manager at Hyundai Car (2003-2005).
Direktur Kredit dan IT
• Senior Consultant at LKFS Consulting Co. (2000-2003).
Director of Credit and IT • Assistant Manager at Samsung Life Insurance (1996-2001).
Rangkap Jabatan
Concurrent Position
Kebangsaan Korea Selatan Rangkap jabatan sebagai anggota komite sebagaimana penjelasan pada Bab Tata Kelola
Domisili DKI Jakarta Perusahaan perihal Komite dibawah Direksi.
Nationality South Korea Concurrent position as committee member as explained in the Corporate Governance
Domicile DKI Jakarta Chapter regarding Committees under the Board of Directors.
Sertifikasi
Certification
Sertifikasi Manajemen Risiko level 5 oleh Lembaga Sertifikasi Profesi Perbankan/LSPP.
Usia 49 Tahun
Risk Management Certification level 5 by the Banking Professional Certification Institute/
Age 49 Years Old LSPP
Kepemilikan Saham
Share Ownership
Nihil | None
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi
lainnya dan Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the
Board of Directors, and Major Shareholders.
PT Bank Oke Indonesia, Tbk. 69
Page 72
Profil Perusahaan
Company Profile
Dasar Pengangkatan
Basis of Appointment
Keputusan RUPSL tanggal 11 Mei 2023 | Resolution of the EGMS dated May 11, 2023
Persetujuan OJK
OJK Approval
25 Juli 2023 | July 25, 2023
Riwayat Pendidikan
Educational Background
Magister Business dari STIE IPWI pada tahun 1992.
Master’s Degree in Business from STIE IPWI in 1992.
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk. (d/h PT Bank Dinar Indonesia Tbk sebagai Direktur Bisnis
(Juli 2023-sekarang).
• PT Bank Oke Indonesia, Tbk. sebagai Business 1 (Commercial & Corporate) Division Head
(2019-Mei 2023).
• Bank MNC sebagai Chief Commercial Officer SME & Wholesales Banking (2015-2019).
• Bank UOB Indonesia (2011-2015).
• Bank BNP sebagai Senior Business Manager – Regional Jawa Barat (2009-2011).
• Bank Danamon sebagai Business Manager – Regional Jakarta (2007-2009).
• Bank Permata sebagai Head of Asset Sales Management & Recovery (1990-2005).
• PT Bank Oke Indonesia, Tbk. (formerly PT Bank Dinar Indonesia Tbk) as Director of
Business (July 2023-present).
Vincentia M. Djuniwati W • PT Bank Oke Indonesia, Tbk. as the Head of Business 1 (Commercial & Corporate) Division
(2019-May 2023).
Direktur Bisnis • Bank MNC as Chief Commercial Officer SME & Wholesales Banking (2015-2019).
Director of Business • Bank UOB Indonesia (2011-2015).
• Bank BNP as Senior Business Manager - Regional West Java (2009-2011).
• Bank Danamon as Business Manager - Regional Jakarta (2007-2009).
Kebangsaan Indonesia • Bank Permata as Head of Asset Sales Management & Recovery (1990-2005).
Domisili DKI Jakarta Rangkap Jabatan
Nationality Indonesia Concurrent Position
Domicile DKI Jakarta Rangkap jabatan sebagai anggota komite sebagaimana penjelasan pada Bab Tata Kelola
Perusahaan perihal Komite dibawah Direksi.
Concurrent position as committee member as explained in the Corporate Governance
Chapter regarding Committees under the Board of Directors.
Usia 56 Tahun
Age 56 Years Old
Sertifikasi
Certification
• Program Pembekalan Manajemen Risiko Bagi Calon Anggota Direksi (2023) oleh
Lembaga Pengembangan Perbankan Indonesia (LPPI) .
• Pelatihan Mandatory POJK No. 8 Tahun 2023, APU PPT dan PPPSPM Tata Cara Penilaian
Risiko, Termasuk Perhitungan Individual Risk Assessment (2023)
• Webinar OJK Institute dengan topic “Mengenal Lebih Jauh Pengetahuan UU P2SK Dalam
Rangka Penguatan Literasi, Inklusi dan Perlindungan Konsumen.
• Risk Management Debriefing Program for Prospective Members of the Board of
Directors (2023) by the Indonesian Banking Development Institute (LPPI).
• Mandatory Training POJK No. 8 of 2023, AML/CFT, and PPPSPM Risk Assessment
Procedures, Including Individual Risk Assessment Calculation (2023)
• OJK Institute Webinar with the topic “Get to Know More About P2SK Law in the Context
of Strengthening Consumer Literacy, Inclusion, and Protection.
Kepemilikan Saham
Share Ownership
Nihil | None
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi
lainnya dan Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the
Board of Directors, and Major Shareholders.
70 Laporan Tahunan 2023 Annual Report
Page 73
Dasar Pengangkatan
Basis of Appointment
Keputusan RUPSLB tanggal 11 Maret 2019 | Resolution of the EGMS dated March 11, 2019
Persetujuan OJK
OJK Approval
21 Juni 2019 | June 21, 2019
Riwayat Pendidikan
Educational Background
• Magister Hukum, Universitas Jayabaya, 2013
• Magister Manajemen, Universitas Katolik Atmajaya, 2003.
• Sarjana Hukum, Universitas Padjadjaran, 1992.
• Master of Law, Jayabaya University, 2013
• Master of Management, Atmajaya Catholic University, 2003.
• Bachelor’s Degree in Law, Padjadjaran University, 1992.
Riwayat Jabatan
Professional Experience
• PT Bank Oke Indonesia, Tbk. (d/h PT Bank Dinar Indonesia Tbk) sebagai Compliance Director yang
juga membawahi Risk Management, Legal, HR dan Corporate Secretary ( Juli 2019-sekarang).
• PT Bank Oke Indonesia (d/h Bank Andara) sebagai Compliance Director yang juga membawahi
Risk Management, Legal dan HR (2016-Juli 2019).
• PT Bank KEB Indonesia (sekarang PT Bank KEB Hana) sebagai Compliance Director yang juga
membawahi Risk Management dan HR (2006-2016).
• PT Bank BNP Paribas Indonesia sebagai Assistant to Chief Operating Officer (COO) dan sebagai
Efdinal Alamsyah Head of Human Resources & General Administration (2003-2006).
• PT Korea Exchange Bank Danamon (sekarang PT Bank KEB Hana) sebagai Manager beberapa
Direktur Kepatuhan posisi antara lain General Affairs, Compliance, Corporate Loan, Credit Restructuring & Review,
Director of Compliance Legal, dan lain-lain (1994-2003).
• The Bank of Tokyo, Ltd. (sekarang MUFG), staff (1990-1994).
• PT Bank Oke Indonesia, Tbk. (formerly PT Bank Dinar Indonesia Tbk) as Compliance Director who
also oversees Risk Management, Legal, HR and Corporate Secretary (July 2019-present).
Kebangsaan Indonesia • PT Bank Oke Indonesia (formerly Bank Andara) as Compliance Director who also oversees Risk
Domisili DKI Jakarta Management, Legal and HR (2016-July 2019).
Nationality Indonesia • PT Bank KEB Indonesia (now PT Bank KEB Hana) as Compliance Director who also oversees Risk
Domicile DKI Jakarta Management and HR (2006-2016).
• PT Bank BNP Paribas Indonesia as Assistant to Chief Operating Officer (COO) and Head of Human
Resources & General Administration (2003-2006).
• PT Korea Exchange Bank Danamon (now PT Bank KEB Hana) as Manager of several positions
Usia 59 Tahun including General Affairs, Compliance, Corporate Loan, Credit Restructuring & Review, legal, and
Age 59 Years Old others (1994-2003).
• The Bank of Tokyo, Ltd. (now MUFG), staff (1990-1994).
Rangkap Jabatan
Concurrent Position
• Sekretaris Perusahaan.
• Rangkap jabatan sebagai anggota komite sebagaimana penjelasan pada Bab Tata Kelola
Perusahaan perihal Komite dibawah Direksi.
• Corporate Secretary.
• Concurrent position as committee member as explained in the Corporate Governance
Chapter regarding Committees under the Board of Directors.
Sertifikasi
Certification
• Refreshment Risk Management for Top Level (2023)
• Refreshment Risk Management Risiko Operasional & Fraud pada sector Perbankan (2021)
• Risk Management Certification Refreshment Program “Control of Bank Operational Risk In The
Digital Banking and Covid-19 Era” (2021)
• Refreshment Risk Management Budaya Internal Kontrol landasan Manajemen Risiko Operasional
(2019)
• Sertifikasi Manajemen Risiko level 5 oleh Badan Sertifikasi Manajemen Risiko (BSMR)
• Sertifikasi Kepatuhan Perbankan Level Executive oleh Lembaga Sertifikasi Profesi Perbankan
(LSPP)
• Sertifikasi Pendidikan Khusus Profesi Advokat (PKPA) oleh Perhimpunan Advokat Indonesia
• Risk Management Refreshment for Top Level (2023)
• Risk Management Refreshment of Operational Risk & Fraud in the Banking sector (2021)
• Risk Management Certification Refreshment Program “Control of Bank Operational Risk In The
Digital Banking and Covid-19 Era” (2021)
• Risk Management Refreshment of Internal Control Culture on the basis of Operational Risk
Management (2019)
• Level 5 Risk Management Certification by the Risk Management Certification Agency (BSMR).
• Executive Level Banking Compliance Certification by the Banking Professional Certification
Institute (LSPP).
• Advocate Profession Special Education Certification (PKPA) by the Indonesian Advocates
Association.
Kepemilikan Saham
Share Ownership
Nihil | None
Hubungan Afiliasi
Affiliated Relationship
Tidak memiliki hubungan afiliasi dengan Anggota Dewan Komisaris, Anggota Direksi lainnya dan
Pemegang Saham Utama.
Has no affiliation with Members of the Board of Commissioners, other Members of the Board of
Directors, and Major Shareholders.
PT Bank Oke Indonesia, Tbk. 71
Page 74
Profil Perusahaan
Company Profile
PERUBAHAN KOMPOSISI ANGGOTA DIREKSI CHANGES IN THE COMPOSITION OF MEMBERS
DAN ALASAN PERUBAHANNYA OF THE BOARD OF DIRECTORS AND REASONS
FOR CHANGES
Selama tahun 2023, telah terjadi perubahan komposisi During 2023, there has been a change in the composition
anggota Direksi sebagaimana penjelasan berikut: of members of the Board of Directors as explained below:
Komposisi Direksi Sebelum RUPS Luar Biasa Tanggal 11 Mei Composition of the Board of Directors Prior to the
2023 Extraordinary GMS Dated May 11, 2023
Komposisi Direksi sebelum RUPS Luar Biasa tanggal 11 Mei The composition of the Board of Directors before the
2023 sebanyak 5 (lima) orang yang terdiri dari 1 (satu) orang Extraordinary GMS dated May 11, 2023 was 5 (five) people,
Direktur Utama dan 1 (satu) orang Wakil Direktur Utama dan consisting of 1 (one) President Director, 1 (one) Vice
3 (tiga) orang Direktur. Komposisi Direksi sebelum RUPS President Director, and 3 (three) Directors. The composition
Luar Biasa tanggal 11 Mei 2023 adalah sebagai berikut: of the Board of Directors before the Extraordinary GMS
dated May 11, 2023 is as follows:
Direktur Utama : Park Young Man President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Kredit : Kim Seongtaek Credit Director : Kim Seongtaek
Direktur Operasional : Joyo Operations Director : Joyo
Direktur Kepatuahn : Efdinal Alamsyah Compliance Director : Efdinal Alamsyah
Komposisi Direksi setelah RUPS Luar Biasa Tanggal 11 Mei Composition of the Board of Directors after the
2023 Extraordinary GMS Dated May 11, 2023
Pada tanggal 11 Mei 2023, RUPS Luar Biasa memutuskan On May 11, 2023, the Extraordinary GMS decided to change
perubahan susunan pengurus Perseroan sebagai berikut: the composition of the Company’s management as follows:
1. Menyetujui untuk memberhentikan dengan hormat Sdr. 1. Approved to respectfully dismiss Mr. Kim Seongtaek as
Kim Seongtaek, selaku Direktur Kredit , dan Sdr. Joyo a Credit Director, and Mr. Joyo as Operations Directors,
selaku Direktur Operasional, dan berlaku efektif sejak effective as of the closing of this EGMS.
RUPSLB ini ditutup.
2. Menyetujui untuk mengangkat Sdr Inhyo Wang selaku 2. Approved to appoint Mr. Inhyo Wang as Credit and IT
Direktur Kredit dan IT dan Sdri Vincentia M. Djuniwati W Director and Ms. Vincentia M. Djuniwati W as Business
selaku Direktur Bisnis dan akan berlaku efektif setelah Director and will be effective after obtaining approval
mendapatkan persetujuan dari Otoritas Jasa Keuangan from the Financial Services Authority (OJK) or other
(OJK), atau instansi berwenang lainnya. authorized agencies.
3. Dengan demikian susunan kepengurusan PT Bank Oke 3. Thus, the management composition of PT Bank Oke
Indonesia, Tbk. menjadi: Indonesia, Tbk. becomes:
Direktur Utama : Park Young Man President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Bisnis : Vincentia M. Djuniwati W Business Director : Vincentia M. Djuniwati W
Direktur Kredit dan IT : Inhyo Wang Credit and IT Director : Inhyo Wang
Direktur Kepatuhan : Efdinal Alamsyah Compliance Director : Efdinal Alamsyah
72 Laporan Tahunan 2023 Annual Report
Page 75
Pejabat Ekeskutif
Executive Officers
Jonsen Prasetio Jefitra Noni
Kepala Divisi Compliance Kepala Divisi Risk Management Kepala Divisi Corporate Secretary
Warga Negara Indonesia, 44 Tahun. Warga Negara Indonesia, 47 Tahun. Warga Negara Indonesia, 52 Tahun.
Mulai bekerja di OK BANK : 7 Juni 2018 Mulai bekerja di OK BANK : 11 Januari 2018 Mulai bekerja di OK BANK : 1 November 1991
Pendidikan : Sarjana Pendidikan : Sarjana Pendidikan : Sarjana
Head of Compliance Division Head of Risk Management Division Head of Corporate Secretary Division
Indonesian citizen, 44 years old. Indonesian citizen, 47 years old. Indonesian citizen, 52 years old.
Started working at OK BANK: June 7, 2018 Started working at OK BANK: January 11, 2018 Started working at OK BANK: November 1,
Education: Bachelor’s degree Education: Bachelor’s degree 1991
Education: Bachelor’s degree
Deasy Wulaningsih Murniasih Kim Tae Sob
Kepala Divisi Finance Kepala Divisi Internal Audit Kepala Divisi Marketing Communication
Warga Negara Indonesia, 45 Tahun. Warga Negara Indonesia, 45 Tahun. Warga Negara Korea Selatan, 47 Tahun.
Mulai bekerja di OK BANK : 21 Mei 2013 Mulai bekerja di OK BANK : 27 Oktober 2014 Mulai bekerja di OK BANK : 14 Desember 2020
Pendidikan : Sarjana Pendidikan : Sarjana Pendidikan : Magister
Head of Finance Division Head of Internal Audit Division Head of marketing Communication Division
Indonesian citizen, 45 years old. Indonesian citizen, 45 years old. South Korean citizen, 47 years old.
Started working at OK BANK: May 21, 2013 Started working at OK BANK: October 27, Started working at OK BANK: December 14,
Education: Bachelor’s degree 2014 2020
Education: Bachelor’s degree Education: Master’s degree
Silvya Suryadi Park Dong Won Yoon Junkang
Kepala Divisi Bisnis 2 Kepala Divisi IT Planning Kepala Divisi Retail Bussiness Development
Warga Negara Indonesia, 39 Tahun. Warga Negara Korea Selatan, 46 Tahun. Warga Negara Korea Selatan, 42 Tahun.
Mulai bekerja di OK BANK : 7 Februari 2022 Mulai bekerja di OK BANK : 24 Juni 2022 Mulai bekerja di OK BANK :22 Juni 2022
Pendidikan : Magister Pendidikan : Sarjana Pendidikan : Sarjana
Head of Business 2 Division Head of IT Planning Division Head of Retail Business Development Division
Indonesian citizen, 39 years old. South Korean citizen, 46 years old. South Korean citizen, 42 years old.
Started working at OK BANK: February 7, Started working at OK BANK: June 24, 2022 Started working at OK BANK: June 22, 2022
2022 Education: Bachelor’s degree Education: Bachelor’s degree
Education: Master’s degree
PT Bank Oke Indonesia, Tbk. 73
Page 76
Profil Perusahaan
Company Profile
Natalia Janette Budiman Ferry Ferdian Pratama Moch. Maurice
Kepala Divisi Funding Kepala Divisi Credit Review Kepala Divisi Legal
Warga Negara Indonesia, 42 Tahun. Warga Negara Indonesia, 44 Tahun. Warga Negara Indonesia, 41 Tahun.
Mulai bekerja di OK BANK : 13 Juni 2022 Mulai bekerja di OK BANK : 11 Juli 2022 Mulai bekerja di OK BANK : 1 Agustus 2022
Pendidikan : Sarjana Pendidikan : Sarjana Pendidikan : Sarjana
Head of Funding Division Head of Credit Review Division Head of Legal Division
Indonesian citizen, 42 years old. Indonesian citizen, 44 years old. Indonesian citizen, 41 years old.
Started working at OK BANK: June 13, 2022 Started working at OK BANK: July 11, 2022 Started working at OK BANK: August 1, 2022
Education: Bachelor’s degree Education: Bachelor’s degree Education: Bachelor’s degree
Novita Dwi Kusumawardhani Nining Kieswati Hun Pyong Hahm
Kepala Divisi Human Capital Kepala Divisi Operasional Kepala Divisi Corporate Planning
Warga Negara Indonesia, 42 Tahun. Warga Negara Indonesia, 41 Tahun. Warga Negara Korea Selatan, 56 Tahun.
Mulai bekerja di OK BANK : 4 November 2019 Mulai bekerja di OK BANK : 21 Agustus 2017 Mulai bekerja di OK BANK : 12 Juni 2023
Pendidikan : Magister Pendidikan : Sarjana Pendidikan : Magister
Head of Human Capital Division Head of Operational Division Head of Corporate Planning Division
Indonesian citizen, 42 years old. Indonesian citizen, 41 years old. South Korean citizen, 56 years old.
Started working at OK BANK: November 4, Started working at OK BANK: August 21, 2017 Started working at OK BANK: June 12, 2023
2019 Education: Bachelor’s degree Education: Master’s degree
Education: Master’s degree
Oscar SuwarnaDwipa Lim Siau Sien Hyosun Kwak
Kepala Divisi Bisnis 4 Kepala Divisi IT Operation Kepala Divisi Retail Credit & Digital Strategy
Warga Negara Indonesia, 38 Tahun. Warga Negara Indonesia, 40 Tahun. Warga Negara Korea Selatan, 42 Tahun.
Mulai bekerja di OK BANK : 5 Juni 2023 Mulai bekerja di OK BANK : 25 Oktober 2018 Mulai bekerja di OK BANK : 1 November 2023
Pendidikan : Sarjana Pendidikan : Sarjana Pendidikan : Sarjana
Head of Business 4 Division Head of IT Operation Division Head of Retail Credit & Digital Strategy
Indonesian citizen, 38 years old. Indonesian citizen, 40 years old. Division
Started working at OK BANK: June 5, 2023 Started working at OK BANK: October 25, South Korean citizen, 42 years old.
Education: Bachelor’s degree 2018 Started working at OK BANK: November 1,
Education: Bachelor’s degree 2023
Education: Bachelor’s degree
74 Laporan Tahunan 2023 Annual Report
Page 77
Jong Ha Lee Sony Gusman Magenda Prayitno
Kepala Divisi Loan Asset Management Ardiwinata Branch Manager
Warga Negara Korea Selatan, 53 Tahun. Branch Manager Warga Negara Indonesia, 41 Tahun.
Mulai bekerja di OK BANK : 1 November 2023 Warga Negara Indonesia, 41Tahun. Mulai bekerja di OK BANK : 1 Agustus 2022
Pendidikan : Sarjana Mulai bekerja di OK BANK : 1 Juli 2022 Pendidikan : Sarjana
Head of Loan Asset Management Division Pendidikan : Sarjana Branch Manager
South Korean citizen, 53 years old. Branch Manager Indonesian citizen, 41 years old.
Started working at OK BANK: November 1, Indonesian citizen, 41 years old. Started working at OK BANK: August 1, 2022
2023 Started working at OK BANK: July 1, 2022 Education: Bachelor’s degree
Education: Bachelor’s degree Education: Bachelor’s degree
I Gusti Agung Putu Sidhi Yasa Edrick Yonatia Nonikha Indrajana ie
Branch Manager Branch Manager Branch Manager
Warga Negara Indonesia, 51 Tahun. Warga Negara Indonesia, 43 Tahun. Warga Negara Indonesia, 55 Tahun.
Mulai bekerja di OK BANK : 1 November 2018 Mulai bekerja di OK BANK : 2 Januari 2023 Mulai bekerja di OK BANK : 28 Mei 2020
Pendidikan : Sarjana Pendidikan : Sarjana Pendidikan : Diploma
Branch Manager Branch Manager Branch Manager
Indonesian citizen, 51 years old. Indonesian citizen, 43 years old. Indonesian citizen, 55 years old.
Started working at OK BANK: November 1, Started working at OK BANK: January 2, 2023 Started working at OK BANK: May 28, 2020
2018 Education: Bachelor’s degree Education: Diploma
Education: Bachelor’s degree
Benjamin Widjaja Hendy Setiawan Bermani Achmad
Kepala Department Treasury Kepala Department GA IT Security Unit
Warga Negara Indonesia, 52 Tahun. Warga Negara Indonesia, 47 Tahun. Warga Negara Indonesia, 34 Tahun.
Mulai bekerja di OK BANK : 18 April 2022 Mulai bekerja di OK BANK : 26 April 2021 Mulai bekerja di OK BANK : 1 Desember 2022
Pendidikan : Magister Pendidikan : Sarjana Pendidikan : Sarjana
Head of Treasury Department Head of GA Department IT Security Unit
Indonesian citizen, 52 years old. Indonesian citizen, 47 years old. Indonesian citizen, 34 years old.
Started working at OK BANK: April 18, 2022 Started working at OK BANK: April 26, 2021 Started working at OK BANK: December 1,
Education: Master’s degree Education: Bachelor’s degree 2022
Education: Bachelor’s degree
PT Bank Oke Indonesia, Tbk. 75
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Profil Perusahaan
Company Profile
Demografi Karyawan
Employee Demographics
Komposisi Karyawan Berdasarkan Jenis Kelamin
Employee Composition Based on Gender
2023 2022
Jenis Kelamin
Gender Jumlah Persentase (%) Jumlah Persentase (%)
Total Percentage (%) Total Percentage (%)
Laki-laki | Male 170 51,99% 167 52,68%
Perempuan | Female 157 48,01% 150 47,32%
Jumlah |Total 327 100,00% 317 100,00%
Komposisi Karyawan Berdasarkan Level Jabatan
Employee Composition Based on Level of Position
2023 2022
Level Jabatan
Level of Position Jumlah Persentase (%) Jumlah Persentase (%)
Total Percentage (%) Total Percentage (%)
Kepala Divisi | Head of Division 19 5,81% 22 6,94%
Kepala Departemen | Head of Department 21 6,42% 21 6,62%
Pimpinan Cabang | Branch Manager 14 4,28% 14 4,42%
Unit Head/Team Head 30 9,17% 15 4,73%
Officer/Staff 243 74,31% 245 77,29%
Jumlah | Total 327 100,00% 317 100,00%
Komposisi Karyawan Berdasarkan Usia
Employee Composition Based on Age
2023 2022
Rentang Usia
Age Range Jumlah Persentase (%) Jumlah Persentase (%)
Total Percentage (%) Total Percentage (%)
20 – 30 Tahun | 20 – 30 Years Old 99 30,28% 93 29,34%
31 - 40 Tahun | 31 – 40 Years Old 147 44,95% 135 42,59%
> 41 Tahun | > 41 Years Old 81 24,77% 89 28,08%
Jumlah | Total 327 100,00% 317 100,00%
76 Laporan Tahunan 2023 Annual Report
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Komposisi Karyawan Berdasarkan Tingkat Pendidikan
Employee Composition Based on Education Level
2023 2022
Tingkat Pendidikan
Education Level Jumlah Persentase (%) Jumlah Persentase (%)
Total Percentage (%) Total Percentage (%)
Pasca Sarjana | Postgraduate 21 6,4 17 5,36%
Sarjana | Bachelor 275 84 263 82,97%
Akademi / Diploma | Academy/Diploma 18 5,5 19 5,99%
SMU atau Sederajat | High school or Equivalent 13 3,9 18 5,68%
Jumlah | Total 327 100 317 100,00%
Komposisi Karyawan Berdasarkan Status Ketenagakerjaan
Employee Composition Based on Employment Status
2023 2022
Status Ketenagakerjaan
Employment Status Jumlah Persentase (%) Jumlah Persentase (%)
Total Percentage (%) Total Percentage (%)
Karyawan Tetap | Permanent Employee 302 92,35% 269 84,86%
Karyawan Kontrak | Contract Employee 7 2,14% 13 4,10%
Probation 18 5,50% 35 11,04%
Jumlah | Total 327 100,00% 317 100,00%
PT Bank Oke Indonesia, Tbk. 77
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Profil Perusahaan
Company Profile
Struktur dan Komposisi
Pemegang Saham
Structure and Composition of Shareholders
89,73% 9,41% 0,85%
Rp123,4 juta
million
OK NEXT Masyarakat | Public Saham Treasury | Treasury Shares
Jalur Pengendali
Controlling Line
Jalur Non Pengendali
Non-Controlling Line
Komposisi Pemegang Saham
Composition Of Shareholders
1 Januari 2023 31 Desember 2023
Nama Pemegang Saham January 1, 2023 December 31, 2023
No
Name of Shareholders Saham Persentase (%) Saham Persentase (%)
Shares Percentage (%) Shares Percentage (%)
1 OK Next 15.913.673.243 93,40 15.288.673.243 89,73
2 Saham Treasury | Treasury Shares 145.401.089 0,85 145.401.089 0,85
3 Masyarakat | Public 978.717.942 5,75 1.603.717.942 9,41
Jumlah | Total 17.037.792.274 100,00 17.037.792.274 100,00
78 Laporan Tahunan 2023 Annual Report
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Klasifikasi Pemegang Saham Shareholders Classification
Klasifikasi Pemegang Saham OK BANK per 31 Desember The classification of OK BANK’s Shareholders as of
2023 adalah sebagai berikut: December 31, 2023 is as follows:
Pemilikan Tidak dalam Satuan
Pemilikan dalam Satuan Standar
Standar Perdagangan Jumlah
Perdagangan
Ownership Not in Standard Total
Status Pemilik Ownership in Standard Trading Unit
Trading Unit
No Ownership Status
Jumlah Jumlah Jumlah
Jumlah Efek Jumlah Efek Jumlah Efek
Investor Investor Investor
Total Secu- % Total Securi- % Total Secu- (%)
Total Total Total
rities ties rities
investor investor investor
Pemodal Nasional | National Investor
1 Perorangan 4.980 952.534.839 5,591 257 10.674 0,000 5.237 952.545.513 5,591
Individual
2 Perseroan Terbatas 9 788.937.389 4,631 3 192 0,000 12 788.937.581 4,631
Limited Liability
Companies
3 Dana Pensiun 0 0 0,000 0 0 0,000 0 0 0,000
Pension Fund
4 Yayasan 0 0 0,000 0 0 0,000 0 0 0,000
Foundation
5 Koperasi 0 0 0,000 0 0 0,000 0 0 0,000
Cooperative
Sub Total Pemodal Nasional 4.989 1.741.472.228 10,221 260 10.866 0,000 5.249 1.741.483.094 10,221
Sub Total National Investor
Pemodal Asing | Foreign Investor
Perorangan 2 4.100 0 0 0 0 3 4,155 0.000
Individual
Perseroan Terbatas 7 15.296.305.025 90 1 55 0 7 15.296.305.025 89,779
Limited Liability
Companies
Sub Total Pemodal Asing 9 15.296.309.125 89,779 1 55 0,000 10 15.296.309.180 89,779
Sub Total Foreign Investor
Jumlah | Total 4,998 17.037.781.353 100,000 261 10.921 0,000 5,259 17.037.792.274 100,000
Kepemilikan Saham oleh Dewan Komisaris dan Share Ownership by the Board of Commissioners
Direksi and the Board of Directors
Per tanggal 1 Januari 2023 sampai dengan 31 Desember As of January 1, 2023 until December 31, 2023, neither
2023, tidak ada anggota Dewan Komisaris maupun anggota member of the Board of Commissioners nor member of the
Direksi yang memiliki saham Perseroan. Board of Directors owns the Company’s shares.
PT Bank Oke Indonesia, Tbk. 79
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Profil Perusahaan
Company Profile
Pemegang Saham Utama dan Pemegang Saham Major Shareholders and Controlling Shareholders
Pengendali
CEO
97.4% 100% 20% 100% 100%
OK Holding J&K Capital Yes Asset OK Company APRO System
Co., Ltd Co,. Ltd (JP) Co., Ltd Co., Ltd
100% 100% 98% 98.8% 100%
OK Capital OK Ventures OK Saving 2% OK Next Co., 0.03% OK F&I Co.,
Co., Ltd Co., Ltd Bank CO., Ltd Ltd Ltd
26%
3.0% 52.3%
51%
49% 28.1% 100% 100% 100% 100% 100% 89.7% 40% 50.9% 50.9% 100% 100%
OK Shenzhen
OK Credit Won Cashing Mizsarang Investment Tian Jian APRO APRO Asia PT Bank Oke Phnom Penh APRO YES Capital OK Financial EX-IN
Information Co.Ltd. Co., Ltd Partners Co., APRO Financial Ltd Co., Ltd (HK) Indonesia, Commercial Investment Investment Service Housing Co.,
Co., Ltd Ltd Financial (CN) Tbk. (ID) Bank (CAM) Ltd, (VN) Ltd. (VN) Co.Ltd (HK) Ltd
85% 96.2% 100% 99.6% 0.4% 0.4% 99.6% 50% 50% 50% 50%
APRO YES
OK PtoP Co., Newdays OK Fintech OK Asset Co., PT OK Investment Investment
Ltd (ID) Co., Ltd Ltd. (VN) Ltd (ID) Investment Vietnam Ltd. Vietnam Ltd
Indonesia (VN) (VN)
100% 100% 100%
OK Fin Ltd. OK Debt
(VN) Trading
Vietnam Ltd
Pada 31 Desember 2023, OK Next (d/h.APRO Financial) As of December 31, 2023, OK Next (formerly APRO Financial)
Co. Ltd. memiliki 15.288.673.243 lembar saham atau setara Co. Ltd. owns 15,288,673,243 shares, or equivalent to 89.73%
dengan 89,73% dari keseluruh saham Perseroan, sehingga of the total shares of the Company, hence, OK Next(d/h.
OK Next (d/h.APRO Financial) Co. Ltd. merupakan Pemegang APRO Financial) Co. Ltd. is the Major and Controlling
Saham Utama dan Pemegang Saham Pengendali Perseroan. Shareholder of the Company.
APRO Financial Co.,Ltd merupakan perusahaan pembiayaan APRO Financial Co., Ltd. is Korea’s largest private sector
sektor kredit swasta terbesar di Korea yang didirikan tahun credit financing company founded in 1999 under the initial
1999 dengan nama awal A&O Financial. Pada tahun 2014 name of A&O Financial. In 2014, it expanded into China and
melakukan expansi ke China dan Polandia dan mengubah Poland and changed its name to APRO Financial CO., Ltd.
nama menjadi APRO Financial CO., Ltd.
Pada tanggal 18 Oktober 2023 business usaha APRO On October 18, 2023 APRO’s business changed from financial
berubah dari financial menjadi Non financial. Pada tanggal to non-financial. On December 12, 2023 APRO Financial Co.,
12 Desember 2023 APRO Financial Co., Ltd berubah nama Ltd. changed its name to OK Next Co., Ltd.
menjadi OK Next Co., Ltd
ENTITAS ANAK DAN ENTITAS ASOSIASI SUBSIDIARIES AND ASSOCIATE ENTITIES
Hingga 31 Desember 2023, OK BANK tidak memiliki entitas As of December 31, 2023, OK BANK has no subsidiaries,
anak, perusahaan asosiasi, perusahaan ventura bersama. associated companies, and joint venture companies.
80 Laporan Tahunan 2023 Annual Report
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Kronologis Pencatatan Saham
Share Listing Chronology
PENAWARAN UMUM PERDANA SAHAM INITIAL PUBLIC OFFERING
Tahap Persiapan Preparatory Stage
Persiapan Go Public Perseroan dimulai sejak tahun 2013 The Company’s Go Public preparations began in 2013 with
dengan langkah awal melakukan pemilihan lembaga the initial step of selecting supporting institutions and
penunjang dan profesi yang akan digunakan untuk professions that will be used to obtain Go Public permits,
mendapatkan izin Go Public, termasuk menyelenggarakan including holding an EGMS to amend the Company’s
RUPSLB dalam rangka merubah Anggaran Dasar Perseroan. Articles of Association. The overall chronology is as follows:
Adapun kronologi secara keseluruhan adalah sebagai
berikut:
1. Pemecahan nilai saham (stock split) berdasarkan RUPS 1. Stock split based on the GMS on July 4, 2013, from
tanggal 4 Juli 2013 dari Rp1.000,- per lembar menjadi Rp1,000 per share to Rp100 per share.
Rp100,- per lembar.
2. Peningkatan modal dasar Perseroan dari 2. Increase the Company’s authorized capital from
Rp200.000.000.000,- (dua ratus miliar rupiah) menjadi Rp200,000,000,000.- (two hundred billion rupiah) to
Rp500.000.000.000.- (lima ratus miliar rupiah) Rp500,000,000,000.- (five hundred billion rupiah) based
berdasarkan RUPS tanggal 23 Oktober 2013. on the GMS on October 23, 2013.
3. Perubahan Anggaran Dasar yang meliputi perubahan 3. Amendments to the Articles of Association which
status Perseroan dari tertutup menjadi terbuka serta include changes in the Company’s status from closed to
persetujuan pengeluaran saham yang akan dijual public and approval of the issuance of shares to be sold
kepada publik sebesar Rp50.000.000.000,- (lima puluh to the public amounting to Rp50,000,000,000,- (fifty
miliar rupiah) sesuai dengan RUPS tanggal 5 Juni 2014. billion rupiah) in accordance with the GMS on June 5,
2014.
Tahap Pelaksanaan Implementation Stage
1. Pernyataan Efektif 1. Statement of Effectiveness
Pernyataan efektif oleh Pengawas Pasar Modal Otoritas The statement of effectiveness by the Capital Market
Jasa Keuangan diperoleh pada tanggal 30 Juni 2014. Supervisor of the Financial Services Authority was
Sedangkan masa penawaran umum berlangsung pada obtained on June 30, 2014. Meanwhile, the public
tanggal 2 Juli 2014 hingga 4 Juli 2014. offering period was held from July 2, 2014, to July 4,
2014.
2. Pencatatan di Bursa Efek Indonesia (BEI) 2. Listing on the Indonesia Stock Exchange (IDX)
Pencatatan efektif saham Perseroan dengan kode The effective listing of the Company’s shares with the
saham DNAR di BEI dilaksanakan pada tanggal 11 Juli ticker code DNAR on the IDX was held on July 11, 2014.
2014.
3. Laporan ke Otoritas Jasa Keuangan 3. Report to the Financial Services Authority
Dengan melakukan penawaran saham kepada By offering shares to the public as many as 500,000,000
masyarakat sebanyak 500.000.000 (lima ratus (five hundred million) shares with a total nominal
juta) saham dengan total nilai nominal sebesar value of Rp50,000,000,000,- (fifty billion rupiahs), or
Rp50.000.000.000,- (lima puluh miliar rupiah) atau 22.22% of the fully paid-up capital after the IPO, the
sebesar 22,22% dari modal yang telah disetor penuh paid-up capital of the Company after the IPO becomes
setelah IPO, maka modal disetor Perseroan setelah IPO Rp225,000,000,000,- (two hundred and twenty-five
menjadi Rp225.000.000.000,- (dua ratus dua puluh lima billion rupiah). The funds obtained from this public
miliar rupiah). Dana yang diperoleh dari hasil penawaran offering are Rp110 per share of the nominal value of
umum ini adalah Rp110,- per lembar saham dari nilai Rp100 per share, amounting to Rp55,000,000,000 (fifty-
nominal Rp100,- per lembar saham adalah sebesar five billion rupiah). For changes in the composition
Rp55.000.000.000,- (lima puluh lima miliar rupiah). Untuk of share ownership after the IPO, the Company has
perubahan komposisi kepemilikan saham setelah IPO reported to the Financial Services Authority with No.
Perseroan telah melaporkan ke Otoritas Jasa Keuangan 283/DIR/BDI/VII/2014 dated July 14, 2014.
dengan No. 283/DIR/BDI/ VII/2014 tanggal 14 Juli 2014.
PT Bank Oke Indonesia, Tbk. 81
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Profil Perusahaan
Company Profile
PENAWARAN UMUM TERBATAS I LIMITED PUBLIC OFFERING I
Sesuai dengan prospektus final yang diterbitkan pada Following the final prospectus issued on December 9, 2019,
tanggal 09 Desember 2019, Perseroan melakukan the Company conducted a Limited Public Offering I (PUT
Penawaran Umum Terbatas I (PUT I) kepada para Pemegang I) to Shareholders for Preemptive Rights (HMETD) totaling
Saham dalam rangka Hak Memesan Efek Terlebih Dahulu 2,534,789,887 new shares with a nominal value of Rp100
(HMETD) sebanyak 2.534.789.887 saham baru dengan nilai (one hundred Rupiah) per share. Each shareholder who
nominal Rp100,- (seratus Rupiah) setiap saham. Setiap owns 22 (twenty-two) shares whose names are recorded
pemegang saham yang memiliki 22 (dua puluh dua) saham in the Company’s Shareholders Register on December 17,
yang namanya tercatat dalam Daftar Pemegang Saham 2019, at 16.00 WIB has 9 (nine) Preemptive Rights, in which
Perseroan pada tanggal 17 Desember 2019 pukul 16.00 WIB every 1 (one) Preemptive Right gives the holder the right to
mempunyai 9 (sembilan) HMETD di mana setiap 1 (satu) purchase 1 (one) new share offered at an exercise price of
HMETD memberikan hak kepada pemegangnya untuk Rp197 (one hundred and ninety-seven Rupiah).
membeli 1 (satu) saham baru yang ditawarkan dengan harga
pelaksanaan Rp197,- (seratus sembilan puluh tujuh Rupiah).
Pelaksanaan saham exercise pada Desember 2019 The implementation of exercise shares in December 2019
adalah sebanyak 2.371.887.769 lembar saham atau senilai was 2,371,887,769 shares or amounting to Rp467,261,890,493
Rp467.261.890.493,- sedangkan pelaksanaan saham while the exercise of additional shares of 162,902,118 shares
tambahan sebanyak 162.902.118 lembar saham atau senilai or worth Rp32,091,717,246 was carried out in January 2020.
Rp32.091.717.246,- dilaksanakan pada Januari 2020.
Dari PUT I tersebut, Perseroan mendapatkan tambahan From the PUT I, the Company received additional paid-in
modal disetor sebesar Rp499.353.607.739,-. capital of Rp499,353,607,739.
PENAWARAN UMUM TERBATAS II LIMITED PUBLIC OFFERING II
Sesuai dengan prospektus final yang diterbitkan pada Following the final prospectus issued on October 15, 2020,
tanggal 15 Oktober 2020, Perseroan melakukan Penawaran the Company conducted a Limited Public Offering II (PUT
Umum Terbatas II (PUT II) kepada para Pemegang Saham II) to Shareholders in the context of Preemptive Rights
dalam rangka Hak Memesan Efek Terlebih Dahulu (HMETD) (HMETD) totaling 2,686,443,983 new shares with a nominal
sebanyak 2.686.443.983 saham baru dengan nilai nominal value of Rp100 (one hundred Rupiah) per share. Each
Rp100,- (seratus Rupiah) setiap saham. Setiap pemegang shareholder who owns 13 (thirteen) shares whose names
saham yang memiliki 13 (tiga belas) saham yang namanya are recorded in the Company’s Shareholders Register on
tercatat dalam Daftar Pemegang Saham Perseroan pada October 26, 2020, at 16.00 WIB has 4 (four) Preemptive
tanggal 26 Oktober 2020 pukul 16.00 WIB mempunyai 4 Rights in which every 1 (one) Preemptive Rights gives the
(empat) HMETD di mana setiap 1 (satu) HMETD memberikan holder the right to purchase 1 (one) new share offered at
hak kepada pemegangnya untuk membeli 1 (satu) saham an exercise price of Rp186 (one hundred and eighty-six
baru yang ditawarkan dengan harga pelaksanaan Rp186,- Rupiah).
(seratus delapan puluh enam Rupiah).
Pelaksanaan saham exercise pada November 2020 The implementation of exercise shares in November 2020
adalah sebanyak 2.532.263.943 lembar saham atau senilai was 2,532,263,943 shares or Rp471,001,093,398 while the
Rp471.001.093.398,- sedangkan sisa saham sebanyak remaining 154,180,040 shares or Rp28,677,487,440 were
154.180.040 lembar saham atau senilai Rp28.677.487.440,- taken by APRO as standby buyer on November 10, 2020.
diambil oleh APRO sebagai pembeli siaga pada tanggal 10
November 2020.
Dari PUT II tersebut, Perseroan mendapatkan tambahan From the PUT II, the Company received additional paid-in
modal disetor sebesar Rp499.678.580.838,-. capital of Rp499,678,580,838.
82 Laporan Tahunan 2023 Annual Report
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PENAWARAN UMUM TERBATAS (PUT) III LIMITED PUBLIC OFFERING (PUT) III
Sesuai dengan prospektus final yang diterbitkan pada Following the final prospectus issued on October 1, 2021,
tanggal 01 Oktober 2021, Perseroan melakukan Penawaran the Company conducted a Limited Public Offering III (PUT
Umum Terbatas III (PUT III) kepada para Pemegang Saham III) to Shareholders for Preemptive Rights (HMETD) totaling
dalam rangka Hak Memesan Efek Terlebih Dahulu (HMETD) 2,537,197,095 new shares with a nominal value of Rp100
sebanyak 2.537.197.095 saham baru dengan nilai nominal (one hundred Rupiah) per share.
Rp100,- (seratus Rupiah) setiap saham.
Setiap pemegang saham yang memiliki 9 (sembilan) saham Every shareholder who owns 9 (nine) shares whose names
yang namanya tercatat dalam Daftar Pemegang Saham are recorded in the Company’s Register of Shareholders on
Perseroan pada tanggal 12 Oktober 2021 pukul 16.00 WIB October 12, 2021, at 16.00 WIB has 2 (two) Preemptive Rights
mempunyai 2 (dua) HMETD di mana setiap 1 (satu) HMETD in which every 1 (one) Preemptive Rights gives the holder
memberikan hak kepada pemegangnya untuk membeli the right to buy 1 (one) new share offered at an exercise
1 (satu) saham baru yang ditawarkan dengan harga price of Rp197 (one hundred and ninety-seven Rupiah).
pelaksanaan Rp197,- (seratus sembilan puluh tujuh Rupiah).
Dari PUT III tersebut, Perseroan mendapatkan tambahan From the PUT III, the Company received additional paid-in
modal disetor sebesar Rp499.827.827.715,-. capital of Rp499,827,827,715.
PENAWARAN UMUM TERBATAS (PUT) IV LIMITED PUBLIC OFFERING (PUT) IV
Sesuai dengan prospektus final yang diterbitkan pada In accordance with the final prospectus issued on October
tanggal 19 Oktober 2022, Perseroan melakukan Penawaran 19, 2022, the Company made a Limited Public Offering IV
Umum Terbatas IV (PUT IV) kepada para Pemegang Saham (PUT IV) to Shareholders in the context of Preemptive
dalam rangka Hak Memesan Efek Terlebih Dahulu (HMETD) Rights (HMETD) of 2,937,807,163 new shares with a nominal
sebanyak 2.937.807.163 saham baru dengan nilai nominal value of Rp100 (one hundred Rupiah) per share.
Rp100,- (seratus Rupiah) setiap saham.
Setiap pemegang saham yang memiliki 19 (sembilan belas) Every shareholder who owns 19 (nineteen) shares whose
saham yang namanya tercatat dalam Daftar Pemegang names are registered in the Register of Shareholders of
Saham Perseroan pada tanggal 17 Oktober 2022 pukul 16.00 the Company on October 17, 2022, at 16.00 WIB has 4 (four)
WIB mempunyai 4 (empat) HMETD di mana setiap 1 (satu) HMETD where every 1 (one) HMETD gives the holder the
HMETD memberikan hak kepada pemegangnya untuk right to buy 1 (one ) new share offered at an exercise price
membeli 1 (satu) saham baru yang ditawarkan dengan harga of Rp170 (one hundred and seventy Rupiah).
pelaksanaan Rp170,- (seratus tujuh puluh Rupiah).
Dari PUT IV tersebut, Perseroan mendapatkan tambahan From the PUT IV, the Company received additional paid-in
modal disetor sebesar Rp499.427.217.710,-. capital of Rp499,427,217,710.
Adapun komposisi pemegang saham sebelum dan sesudah The composition of shareholders before and after PUT IV
PUT IV adalah sebagai berikut: is as follows:
Sebelum PUT IV Setelah PUT IV
Nama Before PUT IV After PUT IV
Name
Saham Persentase (%) Saham Persentase (%)
Shares Percentage (%) Shares Percentage (%)
APRO Financial Co. Ltd. 12.755.587.400 90,47 15.913.673.243 93,40
Saham Treasury | Treasury Shares 145.401.089 1,03 145.401.089 0,85
Masyarakat | Public 1.198.996.622 8,50 978.717.942 5,75
Jumlah | Total 14.099.985.111 100,00 17.037.792.274 100,00
PT Bank Oke Indonesia, Tbk. 83
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Profil Perusahaan
Company Profile
KRONOLOGI PENERBITAN DAN PENCATATAN CHRONOLOGY OF ISSUANCE AND OTHER
EFEK LAINNYA SECURITIES LISTING
Hingga 31 Desember 2023, OK BANK tidak pernah Until December 31, 2023, OK BANK has never issued and
menerbitkan dan mencatatkan efek lain selain saham di listed other securities other than shares on any exchange.
bursa manapun.
LEMBAGA DAN PROFESI PENUNJANG PASAR CAPITAL MARKET SUPPORTING INSTITUTIONS
MODAL AND PROFESSIONS
Lembaga profesi penunjang pasar modal yang memberikan The capital market supporting professional institutions that
jasa secara berkala kepada Emiten selama tahun buku provide services on a regular basis to Issuers during the
berjalan adalah sebagai berikut: current financial year are as follows:
Nama Alamat Jasa yang diberikan Periode Penugasan Biaya
Name Address Services Provided Assignment Period Fee
PT Bursa Efek Indonesia Gedung Bursa Efek Indonesia, Jasa Pencatatan Januari 2023- Rp277.500.000,-
Tower I. Jl. Jend. Sudirman Kav.52- Tahunan Saham Desember 2023
53, Jakarta 12910 Annual Share Listing January
Indonesia Stock Exchange Service 2023-December 2023
Building, Tower I. Jl. Jend. Sudirman
Kav.52-53, Jakarta 12910
Kantor Akuntan Publik UOB Plaza 30th & 42nd Audit Laporan Januari Rp266.400.000
Paul Hadiwinata, Jl. MH.Thamrin Lot 8-10, Jakarta Tahunan 2023-Desember 2023
Hidajat, Arsono, Retno, Pusat 10230 Annual Report Audit
Palilingan & Rekan January
UOB Plaza 30th & 42nd 2023-December 2023
Public Accounting
Jl. MH.Thamrin Lot 8-10, Central
Firm Paul Hadiwinata,
Hidajat, Arsono, Retno, Jakarta 10230
Palilingan & Partners
Biro Administrasi Efek. Jl. Kyai Caringin Jasa Administrasi Januari Rp34.200.000
Ficomindo Buana No.2-A Rt.11/4 Cideng, Jakarta Saham Pasar 2023-Desember 2023
Registrar Pusat Sekunder January
Securities Jl. Kyai Caringin Secondary 2023-December 2023
Administration Bureau. Market Stock
No.2-A Rt.11/4 Cideng, Central
Ficomindo Buana Administration
Registrar Jakarta
Service
PT Kustodian Sentral Gedung Bursa Efek Indonesia, Pengelolaan Januari 2023- Rp11.000.000,-
Efek Indonesia (KSEI) Tower 1 Lt. 5. Jl. Jend. Sudirman Administrasi Efek Desember 2023
Kav.52-53, Jakarta 12190 Securities January
Indonesia Stock Exchange Administration 2023-December 2023
Building, Tower 1 5th floor Jl. Jend. Management
Sudirman Kav.52-53, Jakarta 12190
Notaris Dr. Agung Jl. Jati Padang Raya No.13/A Pasar Rapat Umum Januari Rp60.000.000
Iriantoro,S.H.,M.H Minggu, Jakarta Selatan Pemegang Saham 2023-Desember 2023
Notary Dr. Agung Jl. Jati Padang Raya No.13/A Pasar dan Jasa bidang January
Iriantoro,S.H.,M.H Minggu, South Jakarta kenotariatan lainnya 2023-December 2023
General Meeting
of Shareholders,
and Other notary
services
84 Laporan Tahunan 2023 Annual Report
Page 87
Situs Web Perusahaan
Company Website
OK BANK berkomitmen untuk menerapkan prinsip- OK BANK is committed to implementing the principles of
prinsip tata kelola perusahaan dan salah satunya adalah corporate governance and one of them is transparency.
keterbukaan. Penerapan keterbukaan informasi di OK The application of information disclosure at OK BANK
BANK mengacu kepada Peraturan Otoritas Jasa Keuangan refers to the Financial Services Authority Regulation No.
No. 8/POJK.04/2015 tentang Situs Web Emiten dan 8/POJK.04/2015 concerning Websites of Issuers and Public
Perusahaan Publik. Berdasarkan ketentuan tersebut, OK Companies. Based on these provisions, OK BANK is required
BANK diwajibkan memuat informasi yang dipersyaratkan to contain the required information and is regularly updated
dan senantiasa dimutakhirkan secara berkala dengan by considering the 4 (four) main sections of information
memperhatikan 4 (empat) bagian utama informasi yang that must be posted on the company’s website, namely:
wajib dimuat pada website perusahaan, yaitu:
1. Informasi umum emiten atau perusahaan publik; 1. General information of the issuer or public company;
2. Informasi bagi pemodal atau investor; 2. Information for investors;
3. Informasi tata kelola perusahaan; 3. Corporate governance information;
4. Informasi tanggung jawab sosial perusahaan. 4. Corporate social responsibility information.
Situs web OK BANK, www.okbank.co.id, mengandung The OK BANK website, www.okbank.co.id, contains various
berbagai informasi untuk nasabah, serta pemegang saham information for customers, shareholders, and stakeholders,
dan pemangku kepentingan, yang bisa diakses secara mudah which is accessible easily and quickly. The OK BANK
dan cepat. Situs web OK BANK memiliki 5 navigasi utama dan website has five main navigation and interfaces which can
tampilan muka yang dapat dideskripsikan sebagai berikut: be described as follows:
BERANDA HOME
Tampilan muka web resmi Bank yang berisikan dan Display of the Bank’s official web page that contains the
memuat berita terkini, pengumuman, informasi produk dan latest news, announcements, products, and services
layanan, dan berbagai informasi lainnya bagi nasabah atau information, and various other information for customers
pemangku kepentingan. or stakeholders.
SIMPANAN SAVINGS
Informasi terkait produk simpanan yang ditawarkan OK Information regarding deposit products offered by OK
BANK. BANK.
PINJAMAN LOANS
Informasi terkait produk pinjaman yang ditawarkan OK Information regarding loan products offered by OK BANK.
BANK.
TENTANG OK BANK ABOUT OK BANK
Berisikan berbagai informasi penting tentang OK BANK, Contains various important information about OK BANK,
mulai dari profil perusahaan, tata kelola perusahaan starting from company profiles, corporate governance,
hubungan investor, tanggung jawab sosial dan berbagi investor relations, social responsibility, and other corporate
informasi korporat lainnya. information sharing.
KARIR CAREER
Berisikan tentang informasi kesediaan lowongan pekerjaan Filled with information on the availability of company job
perusahaan diperuntukan bagi semua masyarakat yang vacancies intended for all people who wish to have a career
ingin berkarir di perbankan. in banking.
TANYA JAWAB QUESTION AND ANSWER
Berisikan berbagai macam pertanyaan umum beserta Filled with various kinds of general questions and their
jawabannya untuk berbagai macam produk Bank. answers for various kinds of Bank products.
PT Bank Oke Indonesia, Tbk. 85
Page 88
Page 89
Fungsi Penunjang Bisnis Business Support Function Sebagai wujud komitmen untuk senantiasa memberi layanan terbaik, dan didukung oleh keragaman produk inovatif sesuai perkembangan teknologi terkini, OK BANK mengembangkan kompetensi Sumber Daya Manusia secara terarah dan terukur, dengan selalu memenuhi ketentuan regulator. OK BANK juga mengembangkan fasilitas penunjang berbasis teknologi informasi, demi dicapainya kinerja pelayanan para nasabah yang aman, handal dan bebas dari insiden kebocoran data. As a form of commitment to consistently provide the best service and supported by a variety of innovative products in accordance with the latest technological developments, OK BANK develops Human Resources competencies in a targeted and measurable manner, while consistently complying with regulatory requirements. OK BANK is also developing information technology-based supporting facilities to achieve customer service performance that is safe, reliable, and free from data leakage incidents.
Page 90
Fungsi Penunjang Bisnis
Business Support Function
Pengelolaan Sumber Daya Manusia
Human Resources Management
Perseroan meyakini ketersediaan Sumber Daya The Company believes that the availability of qualified
Manusia (SDM) yang mumpuni dan berdedikasi tinggi and highly dedicated Human Resources (HR) is the
merupakan ujung tombak dalam upaya mewujudkan visi spearhead in the efforts to realize the Company’s vision
dan misi Perseroan. Oleh karenanya, Perseroan secara and mission. For this reason, the Company continuously
berkesinambungan menjalankan program pendidikan conducts educational programs and employee competency
dan pengembangan kompetensi pekerja agar senantiasa development to remain competitive in overcoming
kompetitif dalam mengatasi persaingan, perubahan dan competition, changes, and developments in the banking
perkembangan industri perbankan yang berlangsung industry that are taking place dynamically, which will
dengan dinamis sehingga dapat mencatatkan kinerja enable it to record the best performance in every condition
terbaik di setiap kondisi yang harus diatasi. Perseroan that must be addressed. The Company pays close attention
begitu memperhatikan dengan baik kualitas, profesionalitas to the quality, professionalism, and effectiveness of
dan efektivitas SDM dalam menjaga kualitas layanan, HR in maintaining service quality, developing banking
mengembangkan produk-produk perbankan yang sesuai products that suit customer needs, and being innovative
kebutuhan para nasabah dan inovoatif dalam menerapkan in implementing advances in information technology to
kemajuan teknologi informasi dalam meningkatkan meet expectations and increase customer satisfaction. To
memenuhi harapan dan meningkatkan kepuasan para achieve all these goals, OK BANK designs and organizes
nasabah. Untuk mencapai semua tujuan tersebut, OK training programs that are targeted, measurable, and in line
BANK merancang dan menyelenggarakan program- with developments in the banking industry.
program pelatihan yang terarah, terukur dan sesuai dengan
perkembangan industri perbankan.
STRATEGI PENGELOLAAN SDM TAHUN 2023 HR MANAGEMENT STRATEGY IN 2023
OK BANK melakukan pengelolaan SDM secara komprehensif OK BANK manages its HR in a comprehensive and
dan berkesinambungan. Perseroan senantiasa berpedoman sustainable manner. The Company always refers to
pada peraturan perundang-undangan yang berlaku dan applicable laws and regulations as well as best practices
juga best practices dalam pengelolaan SDM, baik dari in HR management, both from companies in Indonesia and
Perusahaan di Indonesia maupun mancanegara. Hal ini abroad. This is a manifestation of OK BANK’s commitment
merupakan salah satu bentuk komitmen OK BANK dalam to carrying out the best HR management. The following is
melakukan pengelolaan SDM yang terbaik. Strategi the HR management strategy implemented in 2023:
pengelolaan SDM yang diterapkan pada tahun 2023 adalah
sebagai berikut:
1. Mengkaji dan mengevaluasi kualitas karyawan serta 1. Reviewed and evaluated the quality of employees and
mengikutkannya dalam program pendidikan yang sesuai included them in educational programs that suitable to
dengan bidangnya, maupun melakukan employee their fields, as well as conducted employee movement
movement (Rotasi, Mutasi, Demosi, Promosi) dalam (Rotation, Transfer, Demotion, Promotion) in order to
rangka penyegaran dan memperdalam kemampuan, refresh and deepen abilities, awaken work ethic, and
membangkitkan etos kerja, dan sense of belonging create a sense of belonging in the organization.
dalam organisasi.
2. Meningkatkan jumlah pejabat dan karyawan 2. Increased the number of officials and employees to
berpartisipasi pada ujian sertifikasi Manajemen Risiko, participate in the Risk Management certification exam,
dan sertifikasi lainnya yang disesuaikan dengan and other certification that tailored to the needs of the
kebutuhan pengembangan bisnis Bank serta ketentuan Bank’s business development and regulatory provisions.
regulator.
88 Laporan Tahunan 2023 Annual Report
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PROGRAM PELATIHAN DAN PENGEMBANGAN COMPETENCY TRAINING AND DEVELOPMENT
KOMPETENSI PROGRAM
Strategi Pengembangan SDM HR Management Strategy
Pengembangan Kompetensi SDM OK BANK mengacu pada OK BANK’s HR Competency Development refers to the
sistem yang tertuang dalam Kebutuhan Analisa Pelatihan. system outlined in the Training Needs Analysis. It includes
Di dalamnya terdapat beberapa jenis Pelatihan baik secara several types of training, both technical, soft skills,
Teknikal, Soft Skill, Kepemimpinan, Pelatihan Persiapan leadership, certification preparation training, as well as
Sertifikasi, serta memperlengkapi pegawai dengan equipping employees with competency certifications that
sertifikasi kompetensi yang telah ditetapkan oleh Regulator. have been determined by the regulator.
Adapun Program Pelatihan yang dijalankan oleh OK BANK Training programs implemented by OK BANK refer to
mengacu pada pemenuhan berbagai kompetensi yang harus meeting the various competencies that must be fulfilled
dipenuhi sesuai ketentuan regulator, maupun pemenuhan according to regulatory provisions, as well as fulfilling
kompetensi sesuai tuntutan pekerjaan, meliputi. competencies according to job demands, including.
• Pengembangan Kompetensi Technical Skill • Development of Technical Skill Competency
- Pelatihan yang diberikan kepada pegawai untuk - Training provided to employees for frontline
posisi garda depan seperti Customer Service dan positions, such as Customer Service and Teller
Teller terkait dengan kecepatan dalam memberikan that is related to speed in providing services to
pelayanan kepada Nasabah dalam penggunaan customers in the utilization of the core banking
core banking system. system.
- Pelatihan yang diberikan kepada pegawai untuk - Training provided for employees in certain positions
beberapa posisi tertentu yang memerlukan that require accuracy in analyzing financial report
ketepatan dalam melakukan analisa data laporan data.
keuangan.
• Pengembangan Kompetensi Soft Skill • Development of Soft Skill Competency
Pelatihan yang diberikan kepada pegawai terkait Trainings provided for employees that are related to
dengan kepemimpinan, kemampuan berkomunikasi leadership, communication skills, and negotiation skills,
dan kemampuan bernegosiasi untuk pegawai dengan for employees whose major field is marketing.
major field sebagai marketing.
• Pembekalan Sertifikasi • Provision of Certification
Pelatihan yang diberikan kepada pegawai yang akan Trainings provided for employees who will fulfill
melakukan pemenuhan ujian sertifikasi kompetensi competency certification exams set by the regulator.
yang telah ditetapkan oleh regulator.
Talent Management Talent Management
Pada tahun 2023, OK BANK Indonesia menyelenggarakan In 2023, OK BANK Indonesia held a Talent Development
pelatihan Talent Development Program yang diikuti oleh Program training, which was attended by 18 (eighteen) new
18 (delapan belas) pegawai baru yang merupakan fresh employees who are fresh graduates or have a maximum of 1
graduate atau maksimum 1 (satu) tahun pengalaman bekerja. (one) year of work experience.
Program TDP berjalan dalam kurun waktu 3 (tiga) The TDP program ran for a period of 3 (three) months, which
bulan dimana termasuk di dalamnya pelatihan yang included in-class training that was combined with training
diselenggarakan di dalam kelas dan dikombinasi dengan held outside the classroom in the form of OJT (on-the-job
pelatihan yang diselenggarakan di luar kelas dalam bentuk training).
OJT (On the Job Training).
PT Bank Oke Indonesia, Tbk. 89
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Fungsi Penunjang Bisnis
Business Support Function
Dalam pelatihan Talent Development Program, para peserta In the Talent Development Program training, participants
di berikan pembekalan mengenai dunia perbankan baik dari are provided with training on the world of banking, both
sisi operasional, bisnis, serta lengkap dengan segi risiko from an operational and business perspective, as well as
yang harus di minimalisasi sebagai pegawai Bank. the risks that must be minimized as Bank employees.
Kesempatan Setara Equal Opportunity
OK BANK senantiasa menerapkan kebijakan kesetaraan OK BANK always implements the fairness and equality of
dan persamaan kesempatan dalam pengelolaan sumber opportunity policy in the management of human resources,
daya manusia, khususnya dalam mengadakan program- especially in organizing training programs for employees
program pelatihan untuk pegawai yang bekerja di who work within the Bank. The Bank always involves Human
lingkungan Bank. Bank senantiasa melibatkan peran Human Capital as a constructive execution partner in establishing
Capital sebagai mitra Pelaksana yang konstruktif dalam various strategic policies related to HR development, which
menetapkan berbagai kebijakan strategis berkaitan dengan include members of the board of directors, members of
pengembangan SDM, yang meliputi: anggota direksi, the board of commissioners, permanent employees, non-
anggota dewan komisaris, pegawai tetap, pegawai tidak permanent employees, and/or members of the Bank’s
tetap, dan/atau anggota dewan pengawas Bank. Bank supervisory board. The Bank is required to manage and
wajib untuk melakukan pengelolaan dan pengembangan develop the quality of HR on an ongoing basis.
kualitas SDM tersebut secara berkelanjutan.
Bank memberikan kesempatan yang sama bagi setiap The Bank provides equal opportunities for every employee
karyawan untuk mengikuti program pengembangan to take part in competency development programs that
kompetensi yang dapat mendorong peningkatan keahlian can encourage improvements in employee skills and
dan kapabilitas karyawan. capabilities.
Biaya Pengembangan Kompetensi Competency Development Cost
Selain menyelenggarakan program pengembangan In addition to organizing internal professional development
professional secara internal, OK BANK juga membuka programs, OK BANK also opens opportunities for employees
kesempatan bagi karyawan untuk mengikuti workshop, to take part in workshops, seminars, and other competency
seminar dan program pengembangan kompetensi lainnya development programs from external educational and
dari lembaga pendidikan dan pelatihan eksternal. training institutions.
Sepanjang tahun 2023, Perseroan mengikutsertakan Throughout 2023, the Company included almost all
hampir seluruh karyawan dalam program pelatihan dan employees in training and competency development
pengembangan kompetensi. Total biaya yang dikeluarkan programs. The total costs incurred by OK BANK to organize
OK BANK untuk menyelenggarakan program pelatihan training and competency development programs in 2023
dan pengembangan kompetensi tahun 2023 mencapai reached Rp3,495,827,744, and for the previous year, it
Rp3.495.827.744,- dan untuk tahun sebelumnya adalah amounted to Rp3,647,354,204. The total cost of training and
sebesar Rp3.647.354.204,-. Jumlah biaya program pelatihan competency development programs in 2023 reached 3.51%
dan pengembangan kompetensi tahun 2023 mencapai of total labor costs, or 3.5% as regulated by OJK provisions.
3,51 % dari total biaya tenaga kerja, atau mencapai 3,5%
sebagaimana yang diatur oleh ketentuan OJK.
Adapun program pelatihan dan pengembangan kompetensi The training and competency development programs
yang dijalankan tahun 2023 adalah sebagai berikut: implemented in 2023 are as follows:
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
1 Undangan Konsultasi Awal Kepesertaan BIFAST Batch 6 BI Webinar 6-Jan-23 3
Invitation to Initial Consultation for Batch 6 of BIFAST
Membership
2 Annual Kick Off Meeting Business Internal Publik 9-Jan-23 23
Annual Kick Off Meeting Business Public
90 Laporan Tahunan 2023 Annual Report
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Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
3 Outlook Industri Jasa Keuangan di Tahun 2023 OJK Webinar 10-Jan-23 3
Financial Services Industry Outlook in 2023
4 Training Urgensi Perpanjangan Kebijakan Restrukturisasi Kredit LPPI Webinar 19-Jan-23 12
Training on the Urgency of Loan Restructuring Policy Extension
5 7 Kebiasaan efektif professional Johnson Webinar 23-Jan-23 1
7 effective habits of professionals Indonesia
6 Pendidikan Lanjutan Penilaian 2 (PLP 2) Properti Online - MAPPI MAPPI Webinar 23-Jan-23 3
Pusat Jakarta
Advanced Education Assessment 2 (PLP 2) Online Property -
MAPPI Pusat Jakarta
7 PBK SPPUR J5 PUT IBI Publik 25 - 26 January 3
PBK SPPUR J5 PUT Public 2023
8 Implementasi BCM, Penyusunan dan Uji Coba Prosedur BCM, Learning Media Publik 26-Jan-23 4
dan Pengembangan BCM Saat Bencana Terjadi (termasuk Indonesia (LMI) Public
kertas kerja BIA, RA, TA, BC Strategy)
BCM Implementation, Preparation and Testing of BCM
Procedures, and BCM Development During a Disaster (including
BIA, RA, TA, BC Strategy work papers)
9 Sharing Session Data Privacy Regulation ASPI Webinar 27-Jan-23 3
Sharing Session Data Privacy Regulation
10 Sosialisasi teknis peraturan baru OJK tentang Sertifikasi BI Webinar 27-Jan-23 2
Manajemen Risiko dan program penyegaran
Technical socialization of new OJK regulations on Risk
Management Certification and refresher programs
11 Implementasi Artificial Intelligence di Industri Jasa Keuangan OJK Webinar 2-Feb-23 3
Implementation of Artificial Intelligence in the Financial
Services Industry
12 PBK SPPUR J5 PUT IBI Publik 16 - 17 February 1
PBK SPPUR J5 PUT Public 2023
13 Stategi penagihan piutang macet melalui Jalur Litigasi & non P. Hadisaputro Publik 16 - 17 February 3
Litigasi secara dini & Terintegrasi serta aman dari jerat hukum Public 2023
Strategy for collecting bad debts through Litigation and non-
Litigation channels in an early & integrated manner as well as
being safe from legal traps
14 Cerdas cermat Internal - 18-Feb-23 54
Quiz
15 PBK SPPUR J4 STT IBI Publik 20 - 22 February 1
PBK SPPUR J4 STT Public 2023
16 Microsoft Excel For Advance and Professional Mahaka Publik 21-Feb-23 8
Microsoft Excel For Advance and Professional Institute Public
17 PBK SPPUR J4 PUT IBI Publik 22 - 23 February 2
PBK SPPUR J4 PUT Public 2023
18 Penilaian PLP 1 Property Online – MAPPI MAPPI Webinar 27-Feb-23 4
PLP 1 Property Online Assessment – MAPPI
19 Pelatihan BSMR Level 5 Kovida In House 28-Feb-23 1
Level 5 BSMR Training
20 Training and Development Mgr Certification Sarel Sentra Publik 06-07 March 1
Training and Development Mgr Certification Inspira Public 2023
21 Training Induction Batch XVIII Internal - 7-Mar-23 18
Batch XVIII Training Induction
22 Training Penerapan POJK No.11/POJK.03/2022 dan SEOJK No.29/ LMI Publik 9-Mar-23 2
SEOJK.03/2022 dalam Pencegahan Risiko Kejahatan Siber di Public
Industri Keuangan
Training on the Implementation of POJK No.11/POJK.03/2022
and SEOJK No.29/SEOJK.03/2022 in Preventing Cyber Crime
Risks in the Financial Industry
PT Bank Oke Indonesia, Tbk. 91
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Fungsi Penunjang Bisnis
Business Support Function
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
23 Pelatihan Pendidikan Khusus Profesi Advokat Ikatan Advokat Webinar 11-Mar-23 1
Special Education Training for the Advocate Profession Indonesia
(IKADIN)
24 Workshop Pilot Project Impementasi Taksonomi Hijau OJK Publik (free) 14-Mar-23 1
Pilot Project Workshop on Implementing the Green Taxonomy Public (free)
25 Certified Talent Acquisition Profesional Pungki Purnadi Webinar (Paid) 25 - 26 Maret 1
Certified Talent Acquisition Professional Associates 2023
26 PBK SPPUR J4 PTD IBI Publik 27 - 28 Maret 2
PBK SPPUR J4 PTD Public 2023
27 PBK SPPUR J4 STT IBI Publik 27 - 29 Maret 1
PBK SPPUR J4 STT Public 2023
28 Kelas Full Stack Laravel Flutter 2021 : Building E-Commerce and Build With E-Book 29-Mar-23 1
Chat Apps Angga
Laravel Flutter Full Stack Class of 2021: Building E-Commerce
and Chat Apps
29 Pemanfaat analisis big data dalam meningkatkan kinerja OJK Publik (free) 30-Mar-23 1
industri jasa keuangan Public (free)
Utilization of big data analysis in improving the performance of
the financial services industry
30 PBK SPPUR J4 PTD IBI Publik 03 - 04 April 3
PBK SPPUR J4 PTD Public 2023
31 Refreshment Sertifikat Treasury ACI Webinar 5-Apr-23 1
Treasury Certificate Refreshment
32 LIA English Tutoring Course for Grades 1st and 3rd LIA Publik Class 06 dan 14 April 2
LIA English Tutoring Course for Grades 1st and 3rd Public Class 2023
33 Tata Cara Pembuatan, Perundingan PKB Bagi Serikat Pekerja/ Pusat Studi Webinar 12-Apr-23 1
Serikat Buruh dan Management Untuk Meningkatkan Manajemen
Produktivitas Kerja di Perusahaan Serta DinamikaPenetapan Indonesia
Upah dan Optimalisasi Jaminan Sosial Ketenagakerjaan (PUSMI)
Procedures for CLA Preparation and Negotiations for Worker
Unions/Labor Unions and Management to Increase Work
Productivity in Companies as well as the Dynamics of Wage
Determination and Optimizing Employment Social Security
34 Sosialisasi Perluasan Metadata Antasena BI Publik (free) 13-Apr-23 3
Socialization of Antasena Metadata Expansion Public (free)
35 Menghadapi Tantangan dan Menghadapi Perubahan dalam OJK Publik (free) 13-Apr-23 1
sektor Jasa Keuangan Public (free)
Overcoming Challenges and Addressing Changes in the
Financial Services sector
36 PERHITUNGAN ASET TERTIMBANG MENURUT RISIKO UNTUK PT SEDYA Webinar 14-Apr-23 2
RISIKO PASAR BAGI BANK UMUM ABIWARA
CALCULATION OF RISK WEIGHTED ASSETS FOR MARKET RISK INGGIL (SAI)
FOR COMMERCIAL BANK
37 PBK SPPUR J5 PUT IBI Publik 14 - 15 April 1
PBK SPPUR J5 PUT Public 2023
38 Workshop Aplikasi Blockchain di Industri Jasa Keuangan OJK Publik (free) 8-May-23 1
Blockchain Applications in the Financial Services Industry Public (free)
Workshop
39 Peluang Metaverse di Industri Jasa Keuangan OJK Webinar 11-May-23 4
Metaverse Opportunities in the Financial Services Industry
40 PBK SPPUR J4 PTD IBI Publik 11 - 13 May 2023 2
PBK SPPUR J4 PTD Public
41 PBK SPPUR J4 PUT IBI Publik 11 - 13 May 2023 5
PBK SPPUR J4 PUT Public
42 Pelatihan Pelatihan BSMR Level 5 LPPI In House 16-May-23 2
Level 5 BSMR Trainings
92 Laporan Tahunan 2023 Annual Report
Page 95
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
43 APU PPT dalam Pemilu dan Pilkada yang berintegrasi dan FKDKP Webinar (Paid) 17-May-23 1
Akuntabel
AML CFT in integrated and Accountable Elections and Local
Elections
44 Unpacking Sustainability Reporting in Indonesia: Challenges, Karisman Offline 17-May-23 2
Best Practices, and Future Directions Learning
Unpacking Sustainability Reporting in Indonesia: Challenges,
Best Practices, and Future Directions
45 Standard Sustainability Report Johnson Publik 22-May-23 6
Standard Sustainability Report Indonesia Public
46 Pelatihan SPPUR J6 PTD IBI Publik 23-May-23 1
SPPUR J6 PTD Training Public
47 Pelatihan SPPUR J6 PUT IBI Publik 23-May-23 1
SPPUR J6 PUT Training Public
48 Training Update Financial Report Internal In House 24-May-23 20
Financial Report Update Training
49 Pelatihan SPPUR J6 PUT IBI Publik 24-May-23 1
SPPUR J6 PUT Training Public
50 Training Peraturan OJK Nomor 51/POJK.03/2017 tentang Johnson Publik Online 29-30 May 2023 9
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Indonesia Public Online
Keuangan (LJK), Emiten, dan Perusahaan Publik
Training on OJK Regulation No. 51/POJK.03/2017 on
Implementation of Sustainable Finance for Financial Services
Institutions (LJK), Issuers and Public Companies
51 "How to Manage Climate-Related Risk in Banking Industry" OJK Webinar Jun-23 2
"How to Manage Climate-Related Risk in Banking Industry"
52 Webinar "Membangun Keyakinan Nasabah Aset Digital dari OJK Webinar Jun-23 6
Risiko Siber"
"Building the Confidence of Digital Asset Customer from Cyber
Risk" webinar
53 Webinar "Memperkuat Ketahanan Nasional di Industri Jasa OJK Webinar Jun-23 2
Keuangan"
"Strengthening National Resilience in the Financial Services
Industry" webinar
54 Webinar "Fundamental of Wealth Management" OJK Webinar Jun-23 2
"Fundamental of Wealth Management" webinar
55 Webinar “Anti Money Laundering in Digital Era: Lesson Learned OJK Webinar Jun-23 2
from Selected Countries
“Anti-Money Laundering in Digital Era: Lesson Learned from
Selected Countries” webinar
56 Webinar “The Future of Sustainability Reporting: An Exclusive BEI/IDX Webinar Jun-23 2
Forum for Regulators and Listed Companies in Indonesia”
“The Future of Sustainability Reporting: An Exclusive Forum for
Regulators and Listed Companies in Indonesia” webinar
57 RDP Rancangan Surat Edaran OJK tentang Tata Cara OJK Webinar Jun-23 2
Penggunaan Jasa AP dan KAP dalam Kegiatan Jasa Keuangan
(RSEOJK AP KAP)
Hearing on OJK Circular Letter Draft on Procedures for Using
Public Accountant and Public Accounting Firm Services in
Financial Services Activities (RSEOJK AP KAP)
58 Sosialisasi POJK 3 Tahun 2023 tentang Peningkatan Literasi dan OJK Webinar Jun-23 2
Inklusi Keuangan di Sektor Jasa Keuangan Bagi Konsumen dan
Masyarakat
Socialization of POJK 3 of 2023 on Increasing Literacy and
Financial Inclusion in the Financial Services Sector for
Consumers and the Community
59 Rapat Pelaksanaan Tim Kerja Analisis Kolaboratif terkait Pilkada PPATK Webinar Jun-23 5
Implementation Meeting of the Collaborative Analysis Working
Team regarding Regional Elections
PT Bank Oke Indonesia, Tbk. 93
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Business Support Function
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List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
60 Pelatihan Identifikasi Risiko TPPT Bagi Pihak Pelapor PPATK Webinar Jun-23 5
Financing of Terrorism Criminal Acts (TPPT) Risk Identification
Training for Reporting Parties
61 Webinar “Pemahaman risiko Tindak Pidana Pendanaan OJK Webinar Jun-23 2
Terorisme, OJK bekerjasama dengan United Nations Office on
Drugs and Crime (UNODC) Indonesia”
"Understanding the risks of Criminal Acts of Financing
Terrorism, OJK in collaboration with the United Nations Office
on Drugs and Crime (UNODC) Indonesia" webinar
62 WEBINAR: " Meningkatkan Kolaborasi Perbankan dalam Rangka FKDKP Webinar Jun-23 1
Pencegahan dan Pemberantasan Tindak Pidana Pencucian
Uang dalam Penyelenggaraan Pemilihan Umum (PEMILU) dan
Pemilihan Kepala Daerah (PILKADA) yang Berintegritas dan
Akuntabel "
WEBINAR: "Increasing Banking Collaboration in the Context of
Preventing and Eradicating the Crime of Money Laundering in
the Implementation of General Elections (PEMILU) and Regional
Head Elections (PILKADA) with Integrity and Accountability"
63 Persiapan Pertemuan Koordinasi pelaksanaan Tim Kerja Analisis PPATK Webinar Jun-23 5
Kolaboratif terkait Pemilihan Umum dan Pemilihan Kepala
Daerah
Preparation for the Coordination Meeting for the
implementation of the Collaborative Analysis Working Team
regarding the General Election and Regional Head Election
64 Rapat pelaksanaan Tim Kerja Analisis Kolaboratif terkait PPATK Webinar Jun-23 5
Pemilihan Umum dan Pemilihan Kepala Daerah
Meeting of the Collaborative Analysis Working Team regarding
General Elections and Regional Head Elections
65 Pertemuan Koordinasi terkait Penyampaian data/ informasi PPATK Webinar Jun-23 5
terkait Pemilihan Umum dan Pemilihan Kepala Daerah melalui
aplikasi goAML
Coordination Meeting related to Submission of data/
information related to General Elections and Regional Head
Elections via the goAML application
66 How to Manage Chimated-Related Risk in Banking Industry OJK Institute Online Jun-23 1
How to Manage Chimated-Related Risk in Banking Industry
67 Diskusi Aturan Pajak Terakhir Perbanas Offline Jun-23 2
Discussion on the Latest Tax Regulations
68 Webinar Dampak Penerapan Cloud Computing di Industri Jasa OJK Webinar 8-Jun-23 8
Keuangan
Webinar on the Impact of Cloud Computing Implementation in
the Financial Services Industry
69 AI RADAR Voice GPT Launch & Product Knowledge Rudder Offline Seminar 8-Jun-23 2
AI RADAR Voice GPT Launch & Product Knowledge
70 Pelatihan SPPUR J6 PUT IBI Publik 8-Jun-23 2
SPPUR J6 PUT training Public
71 Insider Webinar: The New Messaging Way: The secret behind Insider Webinar 14-Jun-23 2
Engaging with Modern Customers
Insider Webinar: The New Messaging Way: The secret behind
Engaging with Modern Customers
72 Pelatihan pengaduan dan perlindungan konsumen LMI Publik 14-Jun-23 1
Consumer complaints and protection training Public
73 Pelatihan SPPUR J6 PTD IBI Publik 14-Jun-23 2
SPPUR J6 PTD training Public
74 Refreshment Penggunaan Fasilitas Guest Bank SPBI dan FMI BI BI Webinar 15-Jun-23 7
2023
Refreshment for Use of SPBI and FMI BI Guest Bank Facilities
in 2023
94 Laporan Tahunan 2023 Annual Report
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Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
75 Webinar OJK Institute How to Manage Climate Related Risk in OJK Publik (free) 15-Jun-23 1
Banking Industry Public (free)
Webinar OJK Institute How to Manage Climate Related Risk in
Banking Industry
76 Pelatihan ORSA : RSCA, KRI, LED LMI Publik 19-Jun-23 1
ORSA training: RSCA, KRI, LED Public
77 Pendidikan Lanjutan Penilaian 1 (PLP 1) – MAPPI MAPPI Online 19-Jun-23 1
Advanced Education Assessment 1 (PLP 1) – MAPPI
78 PBK SPPUR J4 PTD IBI Publik 19 - 21 Juni 2023 2
PBK SPPUR J4 PTD Public
79 PBK SPPUR J4 PUT IBI Publik 19 - 21 Jun 2023 2
PBK SPPUR J4 PUT Public
80 Mengenal Lebih Jauh Pengaturan UU P2SK Dalam Rangka OJK Webinar 22-Jun-23 5
Penguatan Sektor Perbankan
Get to Know More About the Regulations on the P2SK Law in
the Context of Strengthening the Banking Sector
81 Uji Kompetensi SPPUR J6 PTD IBI Publik 22-Jun-23 1
SPPUR J6 PTD Competency Test Public
82 Uji Kompetensi SPPUR J6 PUT IBI Publik 22-Jun-23 1
SPPUR J6 PUT Competency Test Public
83 PBK SPPUR J4 PUT IBI Publik 26 - 28 Jun 2023 2
PBK SPPUR J4 PUT Public
84 PBK SPPUR J5 PTD IBI Publik 26 - 28 Jun 2023 3
PBK SPPUR J5 PTD Public
85 Training Induction Batch XIX Internal - 27-Jun-23 9
Batch XIX Training Induction
86 Sosialisasi POJK Nomor 8 Tahun 2023 tentang Penerapan OJK Webinar (Free) 6-Jul-23 6
Program Anti Pencucian Uang, Pencegahan Pendanaan
Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata
Pemusnah Massal di Sektor Jasa Keuangan (POJK APU PPT dan
PPPSPM di SJK)
Socialization of POJK No. 8 of 2023 on Implementation of
Anti-Money Laundering, Prevention of Terrorism Financing, and
Prevention of Funding for the Proliferation of Weapons of Mass
Destruction Programs in the Financial Services Sector (POJK
APU PPT and PPPSPM in SJK)
87 Training Pengenalan OK BANK Kepada TDP Batch III Internal In House 10-Jul-23 18
OK BANK Introduction Training to TDP Batch III
88 Training Terkait Fraud Awareness oleh SKAI TDP Batch III Internal In House 11-Jul-23 18
TDP Batch III Training Related to Fraud Awareness by IAU
89 Training Terkait Operasional Bank TDP Batch III Internal In House 11-Jul-23 18
TDP Batch III Training Related to Bank Operations
90 Training Terkait Peraturan Bank TDP Batch III Internal In House 11-Jul-23 18
TDP Batch III Training Related to Bank Regulations
91 Kupas tuntas PMK 66 2023 pajak natura Indomitra Webinar (Free) 12-Jul-23 4
Comprehensive review of PMK 66 2023 in-kind taxes pratama
92 Training Tentang Legal TDP Batch III Internal In House 12-Jul-23 18
TDP Batch III Training on Legal
93 CFO Conference FutureCFO Webinar (Free) 13-Jul-23 2
CFO Conference
94 Manajemen Stress Di Era Digital OJK Webinar (Free) 13-Jul-23 6
Stress Management in the Digital Era
95 Ujian Her Pendidikan Lanjutan Penilaian 1 – MAPPI MAPPI Online 13-Jul-23 1
Re-Examination of Advanced Education Assessment 1 - MAPPI
PT Bank Oke Indonesia, Tbk. 95
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Business Support Function
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
96 Training Terkait Corporate Planning TDP Batch III Internal In House 13-Jul-23 18
TDP Batch III Training Related to Corporate Planning
97 Training Terkait E-Channel (Elektronik banking) TDP Batch III Internal In House 13-Jul-23 18
TDP Batch III Training Related to E-Channel (Electronic banking)
98 Training Terkait Product Funding TDP Batch III Internal In House 13-Jul-23 18
TDP Batch III Training Related to Product Funding
99 PMK 66/2023 KPP PMB Webinar (Free) 14-Jul-23 1
PMK 66/2023
100 Training Terkait APU PPT TDP Batch III Internal In House 14-Jul-23 18
TDP Batch III Training Related to AML CFT
101 Training Terkait Risk Awareness TDP Batch III Internal In House 14-Jul-23 18
TDP Batch III Training Related to Risk Awareness
102 PBK SPPUR J5 PTD IBI Publik 15 - 17 Juni 2023 1
PBK SPPUR J5 PTD Public
103 Sosialisasi Pemenuhan Kewajiban Penyampaian Laporan Dirjen Pajak Webinar (Free) 17-Jul-23 1
Socialization on Report Submission Obligation Fulfillment Directorate
General of
Taxation
104 Pelatihan SPPUR J6 PTD IBI Publik 17-Jul-23 1
SPPUR J6 PTD training Public
105 Training Terkait Credit Review TDP Batch III Internal In House 17-Jul-23 18
TDP Batch III Training Related to Credit Review
106 Training Terkait Product Knowledge Retail TDP Batch III Internal In House 17-Jul-23 18
TDP Batch III Training Related to Retail Product Knowledge
107 Training Terkait Administrasi Credit TDP Batch III Internal In House 18-Jul-23 18
TDP Batch III Training Related to Credit Administration
108 Training Terkait Appraisal (Penilaian Asset) TDP Batch III Internal In House 18-Jul-23 18
TDP Batch III Training Related to Appraisal (Asset Valuation)
109 LIA English Tutoring Course for Grades 2nd and 4th LIA Publik Class 18-Jul-23 2
LIA English Tutoring Course for Grades 2nd and 4th Public Class
110 Training Terkait Monitoring Credit TDP Batch III Internal In House 18-Jul-23 18
TDP Batch III Training Related to Credit Monitoring
111 Training Terkait Special Asset Management TDP Batch III Internal In House 18-Jul-23 18
TDP Batch III Training Related to Special Asset Management
112 Basic Credit Process Training for TDP Batch III Vibiz Capital In House 20-Jul-23 18
Basic Credit Process Training for TDP Batch III
113 Mengenal Lebih Jauh Pengaturan UU P2SK dalam Rangka OJK Webinar (Free) 20-Jul-23 6
Penguatan Sektor Pasar Modal
Get to Know More About the Regulations on the P2SK Law in
the Context of Strengthening the Capital Market Sector
114 PBK SPPUR J4 PUT IBI Publik 20 - 22 July 2023 2
PBK SPPUR J4 PUT Public
115 Training RDBMS (Database System) for TDP Batch III Enigma Camp In House 20-21 July 2023 3
RDBMS (Database System) Training for TDP Batch III
116 Konsultasi Publik RPP tentang Penempatan Dana pada Bank KemenKeu Webinar (Free) 21-Jul-23 3
dan Pelaksanaan Kewenangan dalam Penyelenggaraan Program
Restrukturisasi Perbankan oleh Lembaga Penjamin Simpanan
RPP Public Consultation on Fund Placement in Banks and
Implementation of Authority in Implementing Banking
Restructuring Programs by the Deposit Insurance Corporation
117 Training Terkait IT Compliance and Help Desk TDP Batch III 2023 Internal In House 24-Jul-23 3
Training related to IT Compliance and Help Desk for TDP Batch
III 2023
96 Laporan Tahunan 2023 Annual Report
Page 99
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
118 Training Build an Innovative & Creative Selesmanship Remaja Remaja Talenta In House 24 - 26 July 18
tampubolon for TDP Batch III 2023
Training on Build an Innovative & Creative Selesmanship
Remaja tampubolon for TDP Batch III
119 Bedah Buku "Embracing Inner Strength: Nurturing Minds, OJK Webinar (Free) 25-Jul-23 3
Healing Hearts"
Book Review "Embracing Inner Strength: Nurturing Minds,
Healing Hearts"
120 Sosialisasi PKK BUK SPRINT OJK Webinar (Free) 25-Jul-23 3
PKK BUK SPRINT socialization
121 Training Terkait IT Database TDP batch III Internal In House 25-Jul-23 3
TDP Batch III Training related to IT Database
122 Training Terkait IT Network TDP batch III Internal In House 25-Jul-23 3
TDP Batch III Training related to IT Network
123 Training Terkait IT Server TDP batch III Internal In House 25-Jul-23 3
TDP Batch III Training related to IT Server
124 Pelaksanaan Industrial Test Pengembangan Aplikasi Pelaporan BI Webinar (Free) 26-Jul-23 3
Lalu Lintas Devisa (LLD) Bank terkait Implementasi Peraturan
Pemerintah Nomor 36 Tahun 2023 tentang Devisa Hasil Ekspor
dari Kegiatan Pengusahaan, Pengelolaan, dan/atau Pengolahan
Implementation of Industrial Tests for the Development of
Bank Foreign Exchange Traffic Reporting (LLD) Applications
related to the Implementation of Government Regulation No.
36 of 2023 on Foreign Exchange Proceeds of Exports from
Business, Management and/or Processing Activities
125 Training Terkait IT Security and Resilience TDP Batch III Internal In House 26-Jul-23 3
TDP Batch III Training Related to IT Security and Resilience
126 Training SLIK (LMI) LMI Publik 26 - 27 July 2023 5
SLIK (LMI) Training Public
127 Peluang perdagangan Karbon dalam upaya dekarbonisasi OJK Institute Webinar (Free) 27-Jul-23 1
Carbon trading opportunities in decarbonization efforts
128 Persentation Skill Training Program for TDP Batch III Learning In House 27 - 28 July 2023 18
Presentation Skill Training Program for TDP Batch III Resources
129 Pengarahan dan pemberian motivasi dari divisi Business untuk Internal In House 31-Jul-23 15
TDP Batch III
Directives and motivation from the Business division for TDP
Batch III
130 Training Terkait IT Development TDP Batch III internal In House 31-Jul-23 3
TDP Batch III Training Related to IT Development
131 Uji Kompetensi SPPUR J6 PUT IBI Publik 1-Aug-23 1
SPPUR J6 PUT Competency Test Public
132 Sosialisasi POJK No 9 Tahun 2023 tentang Penggunaan OJK Webinar (Free) 1-Aug-23 3
Jasa Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan
Jasa Keuangan (POJK AP KAP)
Socialization of POJK No. 9 of 2023 on the Use
Public Accountant and Public Accounting Firm Services in
Financial Services Activities (POJK AP KAP)
133 On Job Training TDP Batch III for Business and Support Internal - 01 August - 22 15
(General) September
TDP Batch III on the Job Training for Business and Support 2023
(General)
134 On Job Training TDP Batch III for IT Sector Internal - 01 August - 22 3
TDP Batch III on the Job Training for IT Sector September
2023
PT Bank Oke Indonesia, Tbk. 97
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Business Support Function
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
135 Permintaan Tanggapan dan Undangan Rapat Dengar Pendapat OJK Webinar (Free) 2-Aug-23 3
atas Rancangan SEOJK tentang Penilaian Tingkat Maturitas
Digital Bank Umum
Request for Response and Invitation to Hearing Meeting on the
SEOJK Draft regarding Assessment on Commercial Bank Digital
Maturity Levels
136 Webinar: Waspada Modus Penipuan Gaya Baru OJK Webinar (Free) 3-Aug-23 10
Webinar: Alert for New Style of Fraud Modes
137 Sosialisasi Perubahan Peraturan Nomor I-V tentang Ketentuan BEI Webinar (Free) 3-Aug-23 3
Khusus Pencatatan Saham dan Efek Bersifat Ekuitas Selain
Saham yang Diterbitkan oleh Perusahaan Tercatat di Papan
Akselerasi
Socialization of Changes to Regulation No. I-V on Special
Provisions for Listing Shares and Equity-Type Securities Other
Than Shares Issued by Listed Companies on the Acceleration
Board
138 Sosialisasi PBI No. 3 Tahun 2023 tentang Pelindungan Konsumen BI Onsite & Daring 4-Aug-23 3
Bank Indonesia (free)
Socialization of PBI No. 3 of 2023 on Bank Indonesia Consumer Onsite & Online
Protection (free)
139 PBK SPPUR J5 PUT IBI Publik 04 - 05 august 2
PBK SPPUR J5 PUT Public 2023
140 Mengenal Lebih Jauh Pengaturan UU P2SK Dalam Rangka OJK Webinar (free) 10-Aug-23 3
Penguatan Industri Keuangan NonBank (IKNB)
Get to Know More About the Regulations on the P2SK Law in
the Context of Strengthening the Non-Bank Financial Industry
(IKNB)
141 Pelatihan SPPUR J6 PUT IBI Publik 10-Aug-23 1
SPPUR J6 PUT Training Public
142 PBK SPPUR J4 PUT IBI Publik 10 - 12 August 1
PBK SPPUR J4 PUT Public 2023
143 Pelatihan SPPUR J6 PTD IBI Publik 11-Aug-23 1
SPPUR J6 PTD Training Public
144 Undangan Pertemuan Koordinasi CAT PPATK Daring (free) 11-Aug-23 3
Invitation to CAT Coordination Meeting Online (free)
145 Training Desk & Field Collection for Retail Outsource Mahaka In House 12-Aug-23 58
Training Desk & Field Collection for Retail Outsource Institute
146 Bedah Buku OJK Institute Tahun 2023 dengan Tema "Menuju OJK Webinar (Free) 14-Aug-23 2
Indonesia Emas 2045" Pada Tanggal 14 Agustus 2023
2023 OJK Institute Book Review with the theme "Towards a
Golden Indonesia 2045" on August 14, 2023
147 PBK SPPUR J5 PTD IBI Publik 14 - 15 August 2
PBK SPPUR J5 PTD Public 2023
148 PBK SPPUR J4 PTD IBI Publik 14 - 16 August 1
PBK SPPUR J4 PTD Public 2023
149 Uji Kompetensi SPPUR J6 PUT IBI Publik 16-Aug-23 1
SPPUR J6 PUT Competency Test Public
150 In-depth Interview FIR ML/TF 2023 PPATK, Daring (free) 16-Aug-23 3
2023 FIR ML/TF In-depth Interview SUCOFINDO Online (free)
151 PBK SPPUR J5 PUT IBI Publik 18 - 19 August 1
PBK SPPUR J5 PUT Public 2023
152 Compliance Refreshment OJK Webinar (free) 22-Aug-23 1
Compliance Refreshment
153 Focus Group Discussion (FGD) CAT PPATK Onsite & Daring 22-Aug-23 3
CAT Focus Group Discussion (FGD) (free)
Onsite & Online
(ree)
98 Laporan Tahunan 2023 Annual Report
Page 101
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
154 Webinar Merdeka! Dari Ancaman Siber: Perkuat Kesiapan SDM XAPIENS Webinar (Free) 23-Aug-23 1
dalam Menghadapi Serangan Siber di Era Digital
Freedom! From Cyber Threats: Strengthening HR Readiness in
Facing Cyber Attacks in the Digital Era webinar
155 Securing Digital Infrastructure: Connectivity, Cloud, and INDONET Publik (free) 23-Aug-23 1
Cybersecurity Public (free)
Securing Digital Infrastructure: Connectivity, Cloud, and
Cybersecurity
156 Leadership In Changing Atmosphere OJK Webinar 24-Aug-23 3
Leadership In Changing Atmosphere
157 Sertifikasi Commercial Banking & Credit Analyst (CBCA) CFI (Corporate E-Book (Paid) 27-Aug-23 6
Commercial Banking & Credit Analyst (CBCA) Certification Finance
Institute)
158 Sosialisasi Penerapan Program Anti Pencucian Uang, OJK Webinar (Free) 28-Aug-23 3
Pencegahan Pendanaan Terorisme, dan Pencegahan Pendanaan
Proliferasi Senjata Pemusnah Massal (APU PPT dan PPPSPM)
dan Pengembangan Sistem Informasi Program APU PPT (SIGAP)
Socialization of the Implementation of Anti-Money Laundering
Programs, Counter Financing of Terrorism, and Prevention of
Funding for the Proliferation of Weapons of Mass Destruction
(AML CFT and PPPSPM) and Development of the AML CFT
Program Information System (SIGAP)
159 Sosialisasi Penerbitan Sekuritas Rupiah Bank Indonesia Bank Indonesia Webinar (Free) 28-Aug-23 10
Socialization of Bank Indonesia Rupiah Securities Issuance
160 Efektifitas DIgital Maturity Assessment dalam Mengukur FKDKP Webinar (Paid) 28-Aug-23 2
Kematangan Transformasi Digital Perbankan
Effectiveness of Digital Maturity Assessment in Measuring
Digital Banking Transformation Maturity
161 Diseminasi dan Pelatihan Program Pencegahan Pendanaan PPATK Onsite & Daring 29-Aug-23 6
Terorisme dan Pendanaan Proliferasi Senjata Pemusnah Massal (free)
Tahun 2023 secara Onsite Onsite & Online
Onsite Dissemination and Training on the Counter Financing of (free)
Terrorism and Funding for the Proliferation of Weapons of Mass
Destruction Program in 2023
162 Workshop Pelaporan Data SCV LPS Bank Umum Lembaga Offline 29-Aug-23 3
Commercial Bank LPS SCV Data Reporting Workshop Penjamin
Simpanan
163 Refreshment Program of Risk Management Certification Up LPPI In House 29-Aug-23 5
Level
Refreshment Program of Risk Management Certification Up
Level
164 Pelatihan Mandatory POJK No.8 Tahun 2023: APU, PPT, PPSM LPP RMG Publik 10 - 31 August 1
Mandatory Training of POJK No. 8 of 2023: APU, PPT, PPSM Public 2023
165 Enhancing Financial Performance Through Data Analytics OJK Webinar 31-Aug-23 3
Enhancing Financial Performance Through Data Analytics
166 PBK SPPUR J5 PUT IBI Publik 04-05 1
PBK SPPUR J5 PUT Public September
2023
167 Les Bahasa Indonesia untuk Expat LBI UI In House 05 September 6
Indonesian Language Tutoring for Expats - 22 November
2023
168 Refreshment Training Call Center 150112 Internal In House 06-07 2
Call Center 150112 Refreshment Training September
2023
169 PBK SPPUR J4 PTD IBI Publik 11-13 September 5
PBK SPPUR J4 PTD Public 2023
PT Bank Oke Indonesia, Tbk. 99
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Business Support Function
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
170 Training Mengelola Risiko Bank Terkait Treasury, Risk LPPI In House 12-Sep-23 20
Management, Compliance, SKAI, dan Three Line of Defance
(Refreshment)
Training on Managing Bank Risks Related to Treasury, Risk
Management, Compliance, IAU, and Three Lines of Defense
(Refreshment)
171 How to manage crisis communication in banking industry Lembaga Publik 12-Sep-23 1
How to manage crisis communication in banking industry Penjamin Public
Simpanan +
Infobank
172 Sosialisasi Ketentuan SRBI OJK Publik (free) 13-Sep-23 5
Socialization of SRBI Provisions Public (free)
173 Pemanfaatan Internet of Things (IoT) di Industri Jasa Keuangan OJK Webinar 14-Sep-23 11
Utilization of the Internet of Things (IoT) in the Financial
Services Industry
174 PBK SPPUR J4 PUT IBI Publik 18-20 4
PBK SPPUR J4 PUT Public September
2023
175 PBK SPPUR J4 PUT IBI Publik 18 - 19 Sept 4
PBK SPPUR J4 PUT Public 2023
176 Sosialisasi Peraturan OJK tentang Penerapan Tata Kelola Bagi OJK Publik (free) 19-Sep-23 6
Bank Umum Public (free)
Socialization of OJK Regulations on Governance
Implementation for Commercial Banks
177 Training Induction Batch XX Internal In House 20-Sep-23 8
Batch XX Induction Training
178 Regularly Penyegaran (Refreshment) Informasi Pemahaman Internal In House 21-Sep-23 37
Perbankan for Operation Team dengan materi Anti Fraud/Fraud
Awareness
Regular Refreshment on Banking Understanding Information
for Operation Team with materials on Anti-Fraud/ Fraud
Awareness
179 Peluang dan Tantangan Fintech P2P Lending di Era UU P2SK OJK Publik (free) 21-Sep-23 3
Opportunities and Challenges of P2P Lending Fintech in the Era Public (free)
of the P2SK Law
180 Training Program AML & APU PPT For Branch (Bandung Branch) Internal In House 22-Sep-23 4
AML & APU PPT Training Program for Branch (Bandung Branch)
181 First OJK International Research Forum OJK Publik (free) 25-Sep-23 2
First OJK International Research Forum Public (free)
182 PBK SPPUR J5 PTP IBI Publik 25-27 9
PBK SPPUR J5 PTP Public September
2023
183 PBK SPPUR J5 PTD IBI Publik 25-27 1
PBK SPPUR J5 PTD Public September
2023
184 PBK SPPUR J5 PTP IBI Publik 25 - 26 Sept 9
PBK SPPUR J5 PTP Public 2023
185 Workshop ISO27001 vendor audit In House 26-Sep-23 19
ISO27001 Workshop independen
OK BANK yaitu
Skypro
OK BANK's
independent
audit vendor,
namely Skypro
186 Workshop Penerapan AI dalam Data Analytics di Industri jasa OJK Publik (free) 26-27 1
Keuangan Public (free) September
Workshop on Application of AI in Data Analytics in the Financial 2023
Services Industry
100 Laporan Tahunan 2023 Annual Report
Page 103
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
187 Sosialisasi APOLO KPMM dan ATMR BUK Basel III Reforms OJK Publik (free) 2-Oct-23 3
Socialization of APOLO KPMM and ATMR BUK Basel III Reforms Public (free)
188 PBK SPPUR J5 PTP IBI Publik (free) 02-04 Oct 2023 9
PBK SPPUR J5 PTP Public (free)
189 Capacity Building Perbankan Terkait Transaksi Repo BI Publik (free) 4-5 Oct 23 2
Banking Capacity Building Related to Repo Transactions Public (free)
190 Training Program AML & APU PPT For Branch (Surabaya Branch) internal In House 5-Oct-23 16
AML & APU PPT Training Program for Branch (Surabaya Branch)
191 PBK SPPUR J4 PTP IBI Publik (free) 05-07 Oct 2023 3
PBK SPPUR J4 PTP Public (free)
192 Training Program AML & APU PPT For Branch (Denpasar Branch) internal In House 6-Oct-23 8
AML & APU PPT Training Program for Branch (Denpasar Branch)
193 Pertemuan Tahunan Kantor Pengelola DHN Tahun 2023 Bank Indonesia Offline 6-Oct-23 1
2023 DHN Management Office Annual Meeting
194 Webinar Penjelasan Atas Peraturan Bursa No. I-A tahun 2021 AEI Publik (free) 6-Oct-23 2
terkait ketentuan Free Float dan Penggunaan Form E009 pada Public (free)
sistem Pelaporan SPE IDXnet.
Explanation of Exchange Regulation No. I-A 2021 on Free
Float provisions and the use of Form E009 in the IDXnet SPE
Reporting system webinar.
195 Training Program AML & APU PPT For Branch (Semarang Internal In House 11-Oct-23 9
Branch)
AML & APU PPT Training Program for Branch (Semarang
Branch)
196 Arsitektur Kepercayaan Digital: Merancang Sistem Pembayaran AFTECH Webinar 12-Oct-23 3
Fintech yang Aman dan Dapat Dipercaya
Digital Trust Architecture: Designing Secure and Trustworthy
Fintech Payment Systems
197 PBK SPPUR J4 PTP IBI Publik (free) 12-14 Oct 2023 9
PBK SPPUR J4 PTP Public (free)
198 PBK SPPUR J4 PTP IBI Publik 12 - 13 Okt 2023 9
PBK SPPUR J4 PTP Public
199 PBK SPPUR J4 PTD IBI Publik (free) 16-18 Oct 2023 1
PBK SPPUR J4 PTD Public (free)
200 PBK SPPUR J5 PTD LPPI Publik (free) 17-20 Oct 2023 3
PBK SPPUR J5 PTD Public (free)
201 Rapat konsolidasi lanjutan terkait implementasi Undang- OJK Publik (free) 18-Oct-23 5
Undang Nomor 11 Tahun 2020 Tentang Cipta Kerja Public (free)
Further consolidation meeting regarding the implementation of
Law No. 11 of 2020 on Job Creation
202 Managing Environmental, Social and Governance Risk and OJK Institute Webinar 19-Oct-23 7
Opportunities
Managing Environmental, Social and Governance Risk and
Opportunities
203 Sosialisasi “Penguatan Kerangka Hukum Terkait Pencegahan PPATK Publik (free) 19-Oct-23 3
dan Pemberantasan Pendanaan Proliferasi Senjata Pemusnah Public (free)
Massal”
Socialization of "Strengthening the Legal Framework Related
to Preventing and Eradicating Funding for the Proliferation of
Weapons of Mass Destruction"
204 Sosialisasi dan Diskusi Mengenai Penetapan Kewajiban Primary OJK Publik (free) 19-Oct-23 1
Dealer Public (free)
Socialization and Discussion on Determining the Obligations of
Primary Dealers
205 Leadership Training Program Remaja Talenta In House 20-Oct-23 40
Leadership Training Program
PT Bank Oke Indonesia, Tbk. 101
Page 104
Fungsi Penunjang Bisnis
Business Support Function
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
206 Sosialisasi "Sosialisasi POJK Nomor 13 Tahun 2023 tentang OJK Publik (free) 20-Oct-23 5
Kebijakan Dalam Menjaga Kinerja Dan Stabilitas Pasar Modal Public (free)
Pada Kondisi Pasar Yang Berfluktuasi Signifikan
Socialization of POJK No. 13 of 2023 on Policies for Maintaining
Capital Market Performance and Stability in Significantly
Fluctuating Market Conditions"
207 Webinar Mengajar "Kunci Sukses Menciptakan Talenta OJK Publik (free) 23-Oct-23 6
Profesional di Sektor Jasa Keuangan" Public (free)
Teaching Webinar "Keys to Success in Creating Professional
Talent in the Financial Services Sector"
208 Undangan Sosialisasi POJK No. 13/POJK.04/2023 OJK Publik (free) 23-Oct-23 3
Invitation to POJK No. 13/POJK.04/2023 Socialization Public (free)
209 Sosialisasi SEOJK Nomor 13/SEOJK.04/2023 tentang Pembelian OJK Publik (free) 23-Oct-23 1
Kembali Saham Perusahaan Terbuka Sebagai Akibat Public (free)
Dibatalkannya Pencatatan Efek oleh Bursa Efek karena Kondisi
atau Peristiwa yang Signifikan Berpengaruh Negatif terhadap
Kelangsungan Usaha
Socialization of SEOJK No. 13/SEOJK.04/2023 on the Buyback
of Public Company Shares as a Result of the Cancellation of
Securities Listing by the Stock Exchange due to Conditions or
Events that Have a Significant Negative Impact on Business
Continuity
210 Sosialisasi POJK & SEOJK Mengenai Perdagangan Karbon OJK Publik (free) 24-Oct-23 5
POJK and SEOJK Socialization Regarding Carbon Trading Public (free)
211 Undangan Sosialisasi Surat Edaran OJK No.13/SEOJK.04/2023 OJK Publik (free) 24-Oct-23 3
Invitation for the Socialization of OJK Circular Letter No.13/ Public (free)
SEOJK.04/2023
212 Undangan Sosialisasi Surat Edaran OJK No.14/SEOJK.04/2023 & OJK Publik (free) 24-Oct-23 3
12/SEOJK.04/2023 Public (free)
Invitation for the Socialization of OJK Circular Letter No.14/
SEOJK.04/2023 & 12/SEOJK.04/2023
213 Mining Training for Corporate Segmented Hendry Yonaga In House 25-Oct-23 80
Mining Training for Corporate Segmented
214 Data Scientist for Beginners - Linear Regression An : Building Build With E-Book 25-Oct-23 1
E-Commerce and Chat Apps Angga
Data Scientist for Beginners - Linear Regression An : Building
E-Commerce and Chat Apps
215 Full Stack Flutter Developer - Build Hotels App : Building Build With E-Book 25-Oct-23 1
E-Commerce and Chat Apps Angga
Full Stack Flutter Developer - Build Hotels App : Building
E-Commerce and Chat Apps
216 Ujian Sertifikasi Kurator dan Pengurus IKAPI IKAPI Publik (free) 25-Oct-23 1
IKAPI Curator and Management Certification Exam Public (free)
217 Sosialisasi RPOJK tentang Penerapan Strategi Anti Fraud bagi OJK Publik (free) 30-Oct-23 2
Lembaga Jasa Keuangan Public (free)
RPOJK socialization regarding the Implementation of Anti-
Fraud Strategies for Financial Services Institutions
218 Refreshment ketentuan dan pemantauan progres pemenuhan BI Publik (free) 31-Oct-23 3
implementasi SK SPPUR Public (free)
Refreshment of provisions and monitoring of progress in
fulfilling the implementation of SK SPPUR
219 Sosialisasi Resolution Plan and Premi OJK Institue Publik (free) 1-2 November 1
Socialization of Resolution Plan and Premiums Public (free) 2023
220 Undangan Diseminasi Hasil Pengukuran Financial Integrity PPATK Onsite & Daring 2-Nov-23 3
Rating on Money Laundering and Terrorist Financing (FIR on (free)
ML/TF) Tahun 2023 secara Online Onsite & Online
Invitation for Online Dissemination of Financial Integrity Rating (free)
on Money Laundering and Terrorist Financing (FIR on ML/TF)
Measurement Results in 2023
102 Laporan Tahunan 2023 Annual Report
Page 105
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
221 Refreshment LHPK SP & FMI BI serta KPDHN Tahun 2023 Bank Indonesia Publik 3-Nov-23 2
Refreshment of LHPK SP & FMI BI and KPDHN in 2023 Public
222 Undangan kegiatan sosialisasi struktur data dan enshancement OJK Webinar 3-Nov-23 5
APOLO modul RBB
Invitation to socialize data structures and enhancement of
APOLO RGB modules
223 Pertemuan User Group Spdan FMI BI (BI-RTGS, BI-SSSS, SKNBI, Bank Indonesia Publik 4-Nov-23 1
BI-FAST, BI-ETP) Tahun 2023 Public
Spdan FMI BI User Group Meeting (BI-RTGS, BI-SSSS, SKNBI,
BI-FAST, BI-ETP) in 2023
224 Awarding Ceremony dan Diseminasi Karisma OJKI Tahun 2023 OJK Publik 7-Nov-23 7
Awarding Ceremony and Dissemination of Karisma OJKI in 2023 Public
225 Dampak UU No.4 Thn 2023 Tentang Pengembangan & OJK Institute Webinar 7-Nov-23 1
Penguatan Sektor Keuangan Terhadap Tugas dan Fungsi
Pengawasan OJK
Impact of Law No. 4 of 2023 on Development and
Strengthening of the Financial Sector on OJK Supervisory
Duties and Functions
226 Undangan Tatap Muka “Urgensi Regulatory Technology dan PPATK Daring (free) 7-Nov-23 3
Digital Evidence Dalam Mendukung Efektivitas Penegakan Online (free)
Hukum TPPU dan TPPT,” secara Offline dari PPATK
Face-to-Face Invitation "The Urgency of Regulatory Technology
and Digital Evidence in Supporting the Effectiveness of TPPU
and TPPT Law Enforcement," offline from PPATK
227 Bedah Artikel AML/CFT Journal - Global Money Laundering & PPATK - AATKI Daring (free) 7-Nov-23 3
Asset Recovery: an UPDATE Online (free)
AML/CFT Journal Article Review - Global Money Laundering &
Asset Recovery: an UPDATE
228 Konferensi Nasional AATKI 2023 dengan tema "Fundamental PPATK - AATKI Daring (free) 7-Nov-23 3
Analysis: Ethic and Suspicious Background" Online (free)
2023 AATKI National Conference with the theme "Fundamental
Analysis: Ethics and Suspicious Background"
229 PBK SPPUR J4 STT IBI Publik 08-10 4
PBK SPPUR J4 STT Public November 2023
230 Secure Networking Trend in 2024 Lintasarta Publik 8-Nov-23 1
Secure Networking Trend in 2024 Public
231 Webinar How to Drive Corporate Performance through OJK Publik 9-Nov-23 9
Accounting Practices Public
Webinar How to Drive Corporate Performance through
Accounting Practices
232 Training APU PPT & PPPSM 2023 Internal In House 11-Nov-23 31
APU PPT & PPPSM 2023 Training
233 Understanding Financial Distress Predictive Analysis to Mitigate Kovida In House 13-Nov-23 50
Risk (Refreshment)
Understanding Financial Distress Predictive Analysis to Mitigate
Risk (Refreshment)
234 PBK SPPUR J6 PTD IBI Publik 13-Nov-23 1
PBK SPPUR J6 PTD Public
235 Rapat Dengar Pendapat dan Permintaan Tanggapan atas OJK Webinar 14-Nov-23 3
Rancangan Peraturan Otoritas Jasa Keuangan tentang
Transparansi dan Publikasi Suku Bunga Dasar Kredit bagi Bank
Umum Konvensional (RPOJK SBDK)
Hearing and Request for Responses to the Financial Services
Authority Regulation Draft on Transparency and Publication of
Prime Lending Rate for Conventional Commercial Banks (RPOJK
SBDK)
236 Sales & Motivation Training Remaja Talenta In House 15-Nov-23 51
Sales & Motivation Training
PT Bank Oke Indonesia, Tbk. 103
Page 106
Fungsi Penunjang Bisnis
Business Support Function
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
237 Kupas Tuntas Insentif PPN, Tidak Terutang, DPP Tertentu, Tidak Pratama Webinar 15-Nov-23 1
Dipungut, Dibebaskan & Ditanggung Pemerintah Indomitra
Complete discussion on Incentives of VAT, Non-Payable,
Certain DPPs, Not collected, Exempted & Borne by the
Government
238 PBK SPPUR J4 PTP IBI Publik 16-18 November 12
PBK SPPUR J4 PTP Public 2023
239 Training APU PPT & PPPSM 2023 Internal In House 18-Nov-23 36
APU PPT & PPPSM 2023 Training
240 Undangan Audiensi Keamanan Siber Sektor Perbankan Badan Siber dan Publik 21-Nov-23 2
Invitation to the Banking Sector Cybersecurity Hearing Sandi Negara Public
241 Managing Reputational Risk of a Bank (Refreshment) Kovida In House 22-Nov-23 51
Managing Reputational Risk of a Bank (Refreshment)
242 “Meningkatkan Keamanan Data Melalui Solusi Tingkat Lanjut” Infobank Publik 22-Nov-23 1
“Improving Data Security Through Advanced Solutions” Public
243 Mengenal Lebih Jauh Pengaturan UU P2SK Dalam Rangka OJK Webinar 23-Nov-23 24
Penguatan Literasi, Inklusi, dan Pelindungan Konsumen
Get to Know More About the Regulations on the P2SK Law in
the Context of Strengthening Literacy, Inclusion, and Consumer
Protection
244 Undangan Konvensi Nasional RKKNI Bidang General Banking OJK Webinar 24-Nov-23 2
Invitation to the RKKNI National Convention for General
Banking
245 PBK SPPUR J4 PTP IBI Publik 27-29 1
PBK SPPUR J4 PTP Public November 2023
246 Undangan Diseminasi Panduan Ketahanan Digital Bank (Digital OJK Daring (free) 27-Nov-23 1
Resilience) Online (free)
Invitation to Disseminate the Digital Bank Resilience Guidelines
(Digital Resilience)
247 Fintech Talk bersama Trust Decision OJK Webinar 30-Nov-23 3
Fintech Talk with Trust Decision
248 Risk Governance Summit, topic:” Sustainable Governance : OJK Institue Publik (free) 30-Nov-23 1
Digital Transformation as Game Changer, Ethical Culture as Public (free)
Value Keeper”
Risk Governance Summit, topic: "Sustainable Governance:
Digital Transformation as Game Changer, Ethical Culture as
Value Keeper"
249 Undangan Kehadiran dalam Bank Indonesia Bersama Bank Indonesia Publik 30-Nov-23 2
Masyarakat (BIRAMA) 2023 Public
Invitation to Attend the 2023 Bank Indonesia Together with the
Community (BIRAMA)
250 Outsystem workshop Outsystem Publik 30-Nov-23 2
Outsystem workshop Public
251 Pembayaran Kursus Bahasa Inggris Pertemuan 1 Wall Street Online 3-Dec-23 1
Payment for Meeting 1 of English Course English
252 Ujian Her PLP1 Properti DPD MAPPI Jateng a/n Syani Lutfi MAPPI - 4-Dec-23 1
Re-Examination of PLP1 Property DPD MAPPI Central Java in the
name of Syani Lutfi
253 Cyber Security pada Operasional Perbankan "Secure Today, FKDOP Webinar 6-Dec-23 3
Empower Tomorrow"
Cyber Security in Banking Operations "Secure Today, Empower
Tomorrow"
254 PBK SPPUR J4 PTD IBI Publik 07-09 1
PBK SPPUR J4 PTD Public December 2023
104 Laporan Tahunan 2023 Annual Report
Page 107
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
255 Webinar OJK Mengajar "Kunci Sukses Menciptakan Talenta OJK Publik (free) 7-Dec-23 3
Profesional di Sektor Jasa Keuangan"- HUT OJK ke 12 Public (free)
OJK Webinar Teaches "Keys to Success in Creating Professional
Talent in the Financial Services Sector" – 12th OJK Anniversary
256 Webinar OJK Institute “Enhancing ESG Through Best Practices OJK Publik (free) 7-Dec-23 3
in Accounting” Public (free)
OJK Institute Webinar "Enhancing ESG Through Best Practices
in Accounting"
257 Undangan Sosialisasi Surat Edaran Nomor 18/SEOJK.03/2023 OJK Webinar 7-Dec-23 2
tentang Tata Cara Penggunaan Jasa Akuntan Publik dan Kantor
Akuntan Publik dalam Kegiatan Jasa Keuangan
Invitation to Socialize the Circular Letter No. 18/SEOJK.03/2023
on Procedures for Using Public Accountant and Public
Accounting Firm Services in Financial Services Activities
258 Enhancing ESG Through Best Practices in Accounting OJK Webinar 7-Dec-23 5
Enhancing ESG Through Best Practices in Accounting
270 Seminar Implementasi Climate Related Financial Risk di BI Webinar 7-Dec-23 2
Indonesia
Seminar on Implementation of Climate Related Financial Risk
in Indonesia
259 Pmby Pelatihan Mandatory POJK No.8 Tahun 2023 ( APU PPT& LPP Publik 12-13 December 1
PPPSPM 12-13 Des 2023 ) Public 2023
Payment for Mandatory Training of POJK No.8 of 2023 (APU PPT
& PPPSPM 12-13 Dec 2023)
260 Sosialisasi SIPINA 3.0 Confirmation OJK Webinar 12-Dec-23 3
Socialization of SIPINA 3.0 Confirmation
261 Undangan Peta Jalan Pengawasan Perilaku Pelaku Usaha Jasa OJK Offline 12-Dec-23 1
Keuangan, Edukasi, dan Pelindungan Konsumen Tahun 2023-
2027
Invitation to a Roadmap for Supervising the Behavior of
Financial Services Business Actors, Education, and Consumer
Protection for 2023-2027
262 Mastering Yourself : Optimalkan Potensi dan Tingkatkan Kinerja BI Online 14-Dec-23 18
di Era Digital
Mastering Yourself: Optimizing Potential and Improving
Performance in the Digital Era
263 Securing Hasil Tindak Pidana Lintas Batas Negara Melalui PPATK Offline 14-Dec-23 1
Implementasi Regulasi Mengenai Penundaan, Penghentian dan Diseminasi
Pemblokiran Transaksi Offline
Securing the Proceeds of Criminal Acts Across National Dissemination
Borders Through the Implementation of Regulations Regarding
Postponement, Termination, and Blocking of Transactions
264 Penyusunan Penilaian Risiko Sektoral TPPU, TPPT & TPPSPM OJK Webinar 14-Dec-23 1
Preparation of TPPU, TPPT & TPPSPM Sectoral Risk Assessments
265 Undangan Rapat Koordinasi Pembahasan Penayangan Video ASPI Webinar 15-Dec-23 3
Edukasi Perlindungan Konsumen pada Masa Libur
Invitation to a Coordination Meeting to Discuss the Showing
of Consumer Protection Educational Videos during the Holiday
Period
266 Sosialisasi Member ATM Jejaring ALTO Terkait Perubahan Jaringan ALTO Webinar 19-Dec-23 5
Settlement Menggunakan CeBM (BI - RTGS) ALTO Network
Socialization of ALTO Network ATM Members Regarding
Settlement Changes Using CeBM (BI - RTGS)
267 Undangan Sosialisasi Kriteria dan Penilaian ASEAN Corporate OJK Webinar 20-Dec-23 2
Governance Scorecard (ACGS) 2024
Invitation for the Socialization of Criteria and Assessment of
the 2024 ASEAN Corporate Governance Scorecard (ACGS)
PT Bank Oke Indonesia, Tbk. 105
Page 108
Fungsi Penunjang Bisnis
Business Support Function
Daftar Pelatihan Januari - Desember 2023
List of Training in January - December 2023
Metode
Total Peserta
Pelatihan Pelatihan Periode
No Vendor Total
Training Training Period
Participants
Method
268 Webinar OJK Institute "Menyambut Aset Kripto Dalam OJK Publik (free) 22-Dec-23 8
Penguatan Ekosistem Keuangan Digital di Indonesia" Public (free)
OJK Institute Webinar "Welcoming Crypto Assets in
Strengthening the Digital Financial Ecosystem in Indonesia"
269 Sosialisasi POJK 20/2023 tentang Produk Asuransi yang OJK Webinar 28-Dec-23 6
Dikaitkan dengan Kredit atau Pembiayaan Syariah dah Produk
Suretyship atau Suretyship Syariah
Socialization of POJK 20/2023 on Insurance Products Linked to
Sharia Credit or Financing and Sharia Suretyship or Suretyship
Products
PENILAIAN KINERJA PERFORMANCE ASSESSMENT
Pada setiap tahun pelaporan, OK BANK senantisa melakukan In each reporting year, OK BANK always conducts
penilaian kinerja kepada hampir seluruh jajaran karyawan performance assessments for almost all permanent
tetap, yang akan digunakan sebagai dasar penetapan paket employees, which will be used as a basis for determining
remunterasi dan menetapkan dasar penentuan jengang remuneration packages and determining the basis for
karir. Untuk tahun 2023, dari total pegawai per Desember determining career paths. For 2023, of the total employees
2023 yang sejumlah 327 orang, pegawai yang mendapatkan as of December 2023, which were 327 people, the employees
penilaian kinerja berkala di tahun 2023 adalah 265 pegawai who received periodic performance assessments in 2023
atau sekitar 81% dari total pegawai. Sisanya tidak menjalani were 265 employees, or around 81% of the total employees.
penilaian berkala, karena masih menjalani masa percobaan, The rest did not undergo regular assessment, either because
atau karena menjadi bagian dari pegawai rekrutmen baru they are still in the probationary period or because they are
yang belum melewati masa satu tahun. part of the new recruits who have yet to pass the one-year
period.
Berdasarkan hasil penilaian kinerja yang dilakukan, pegawai Based on the performance assessment results, 13% of
yang mendapatkan promosi sebanyak 13%, tidak ada employees received promotions; no employees were
pegawai yang di rotasi ataupun demosi berdasarkan hasil rotated or demoted based on the employee performance
penilaian kinerja pegawai tahun 2023. assessment results in 2023.
Adapun dasar penilaian kinerja yang diterapkan oleh OK The basis for performance assessments applied by OK
BANK adalah: BANK are:
- Teamwork behaviour - Teamwork behaviour
- Komunikasi - Communication
- Kepemimpinan - Leadership
- Disiplin - Discipline
- Kepatuhan - Compliance
106 Laporan Tahunan 2023 Annual Report
Page 109
RENCANA PENGEMBANGAN SDM KE DEPAN FUTURE HR DEVELOPMENT PLAN
Terdapat beberapa rencana kerja SDM dalam rangka There are several HR work plans to support the Bank’s
mendukung strategi bisnis bank dalam rangka business strategy in developing HR quality. The HR work
pengembangan kualitas SDM. Adapun rencana kerja plans for the future include establishing a corporate
SDM ke depan diantaranya adalah pembentukan budaya culture, fulfilling competent human resources, providing
perusahaan, pemenuhan Sumber Daya Manusia yang continuous training, career paths, and attractive incentive
kompeten, pemberian pelatihan secara berkelanjutan, schemes, as well as constantly reviewing and improving the
jenjang karir dan skema insentif yang menarik serta selalu Company’s organizational structure, which is considered
melakukan review dan perbaikan struktur organisasi to be effective in supporting the Company’s strategy and
perusahaan yang dinilai efektif dalam mendukung strategi business plans.
dan rencana bisnis perusahaan.
Adapun Garis besar rencana program pengembangan The outline of the HR competency development program
kompetensi SDM yang akan dijalankan di tahun mendatang plan that will be implemented in the coming year includes:
antara lain:
- Sertifikasi kompetensi seperti: - Competency certifications, such as:
• Sertifikasi Risk Management • Risk Management Certification
• Sertifikasi treasury • Treasury Certification
• Sertifikasi Appraisal • Appraisal Certification
• Sertifikasi SPPUR • SPPUR Certification
• Dan lain-lain pelatihan sertifikasi yang merupakan • And other certification training that are mandatory
sertifikasi kompetensi wajib dari regulator (OJK dan competency certifications from regulators (OJK and
BI) BI)
- Sertifikasi non kompetensi, seperti : - Non-Competency certifications, such as:
• Sertifikasi K3 • OHS Certification
• Sertifikasi general banking • General Banking Certification
- Peningkatan kompetensi lainnya seperti : - Other competency improvements, such as:
• Pelatihan excel • Excel training
• Grafonomi • Graphonomy
• Bagaimana melakukan analisa terhadap laporan • How to analyze a company’s financial reports and
keuangan perusahaan serta kelayakan pemberian the feasibility of granting loan approval
persetujuan kredit
• Dan lain-lain • And others
- Kepemimpinan - Leadership
- Pelatihan non teknis lainnya seperti : - Non-technical trainings, such as:
• Presentation skill • Presentation skill
• Service ethics • Service ethics
• Sales ethics • Sales ethics
• Dan lain-lain • And others
PT Bank Oke Indonesia, Tbk. 107
Page 110
Fungsi Penunjang Bisnis
Business Support Function
Pengembangan Teknologi Informasi
Information Technology Development
Pengembangan dan pengelolaan sistem Teknologi Informasi The development and management of the Information
(TI) merupakan prioritas bagi Perseroan agar terus dapat Technology (IT) system is a priority for the Company, which
meningkatkan kinerjanya dalam menyediakan layanan will enable it to continue to improve its performance in
yang prima. Hal ini diperkuat dengan tren peningkatan providing excellent service. This is reinforced by the trend
penggunaan layanan digital oleh nasabah, yang perlu of increasing use of digital services by customers, which
didukung oleh layanan digital untuk mendukung efisiensi needs to be supported by digital services to support the
operasional Perusahaan serta kepuasan nasabah. Company’s operational efficiency and customer satisfaction.
Sejak diluncurkannya layanan publik Internet/mobile Since the launch of Internet/mobile banking public service
banking di tahun 2020, bank terus melakukan inovasi dan in 2020, the bank has continued to innovate and collaborate
bekerja sama dengan pihak ketiga khususnya pembayaran with third parties, especially bill payment and others, to
bill payment dan lainnya untuk mempermudah kebutuhan facilitate customer needs.
customer.
Sesuai arah bisinis bank khususnya di bidang kredit, untuk In accordance with the direction of the bank’s business,
mempercepat dan mempermudah realisasi kredit retail, especially in the credit sector, to accelerate and facilitate
bank sudah melakukan pengembangan retail Loan yang the realization of retail loans, the bank has developed
dapat diakses menggunakan fasilitas internet oleh pihak retail loans that can be accessed using internet facilities
loan agency sehingga proses realisasi kredit dapat lebih by loan agencies; hence, the credit realization process
cepat dan efisien. Percepatan realisasi kredit tentunya can be faster and more efficient. The acceleration of credit
tidak terhindar dari keterlibatan teknologi khususnya realization is certainly inseparable from the involvement
pengecekan keabsahan kartu identitas calon debitur yang of technology, especially in checking the validity of the
sudah dikoneksikan dengan aplikasi Dukcapil, sedangkan prospective debtor’s identity card that has been connected
pengecekan skoring kredit dikoneksikan dengan aplikasi to the Dukcapil application, while checking credit scoring
pihak Pefindo secara real time untuk menghasilkan hasil is connected to the Pefindo application in real time to
skoring yang lebih cepat untuk membantu keputusan produce a faster scoring result to assist in credit decisions.
kredit.
OK BANK telah mulai mengembangkan sistem (LOS) Loan OK BANK has started developing the Loan Origination
Origination System dan Collection System. Sistem LOS System (LOS) and Collection System (LOS). The LOS system
khusus dikembangkan untuk mendukung pemrosesan was specifically developed to support the processing of
aplikasi kredit yang dibutuhkan agar menjadi lebih mudah required loan applications to make it easier and faster,
dan cepat, sedangkan Collection System berfungsi sebagai while the Collection System functions as an automatic
automatic reminder atas kredit yang akan jatuh tempo reminder for loans that are due or past due; hence, they can
maupun sudah jatuh tempo agar dapat dikelola dan dijaga be managed and maintained properly to ensure that the
dengan baik sehingga tingkat kolektibilitas dapat terjaga level of collectability can be properly maintained.
dengan baik.
ROADMAP PENGEMBANGAN TI IT DEVELOPMENT ROADMAP
Untuk meningkatkan keamanan, Privilege Access To enhance security, Privilege Access Management
Management (PAM) software akan diimplementasikan, (PAM) software will be implemented, ensuring secure
memastikan pengelolaan akses yang aman dan terkelola. and managed access management. Cybersecurity
Peningkatan keamanan siber juga menjadi fokus utama, improvements were also a primary focus, including the
dengan perolehan lisensi tambahan dari TrendMicro dan acquisition of additional licenses from TrendMicro and
perubahan pada sistem backup untuk melindungi data changes to the backup system to protect data from cyber
dari ancaman siber dan memastikan pemulihan yang cepat threats and ensure rapid recovery in emergency situations.
dalam situasi darurat. Aspek lain dari rencana ini mencakup Other aspects of the plan include the implementation of
implementasi Digital Rights Management (DRM) System a Digital Rights Management (DRM) System to protect
untuk melindungi hak cipta dan keamanan data. copyright and data security.
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Bank juga berencana menggunakan platform Office 365 The Bank also plans to use the Office 365 and GroupWare
dan GroupWare untuk meningkatkan efektivitas tim, platforms to increase team effectiveness, facilitate
memfasilitasi pertukaran informasi, dan memperkuat sinergi information exchange, and strengthen synergy between
antar departemen agar dapat menghasilkan keputusan departments to generate better decisions and more
yang lebih baik dan pengelolaan proyek yang lebih efisien. efficient project management.
Dalam upaya mendukung sektor perdagangan dan In an effort to support the trade and financial sectors, the
keuangan, Bank juga berencana mengembangkan EDC Bank also plans to develop EDC Merchant and integrate
Merchant dan mengintegrasikan F/X, Import/Export, dan F/X, Import/Export, and SWIFT into the INOAN system. This
SWIFT dalam sistem INOAN. Langkah ini diharapkan dapat step is expected to provide further support to business
memberikan dukungan lebih lanjut kepada nasabah bisnis customers with comprehensive financial solutions.
dengan solusi keuangan yang lengkap.
REALISASI PENGEMBANGAN TEKNOLOGI REALIZATION OF INFORMATION TECHNOLOGY
INFORMASI DI TAHUN 2023 DEVELOPMENT IN 2023
Selama tahun 2023, OK BANK telah merealisasikan berbagai During 2023, OK BANK has implemented various information
sistem berbasis Teknologi Informasi untuk mendukung technology-based systems to support operational
efisiensi operasional, mencakup diantaranya: efficiency, including:
OK BANK selama tahun 2022 telah melakukan kegiatan- During 2022, OK BANK has carried out activities that utilize
kegiatan yang memanfaatkan Teknologi Informasi, seperti information technology, including:
di antaranya:
1. Implementasi sistem BI FAST fase 1 1. Implementation of the BI FAST system phase 1
2. Relokasi server DRC dari gedung Cyber ke Taman Tekno 2. Relocating the DRC server from the Cyber building to
BSD Taman Tekno BSD
3. Implementasi Retail Payroll Loan untuk pihak ketiga 3. Implementation of Retail Payroll Loans for third parties
4. Implementasi Funding/Lending Simulator (E-Sales Kit) 4. Implementation of Funding/Lending Simulator (E-Sales
Kit)
5. Implementasi aplikasi pelaporan ANTASENA 5. Implementation of the ANTASENA reporting application
6. Upgrade Infrastruktur Core Banking dan MIS 6. Core Banking and MIS Infrastructure Upgrade
7. Upgrade versi database Oracle dari versi 11.2.0.4 ke versi 7. Upgrade of the Oracle database version from version
19c 11.2.0.4 to version 19c
8. Pembangunan jaringan infrastruktur dan komunikasi 8. Construction of new infrastructure and communication
baru untuk cabang Bandung dan cabang Retail networks for Bandung branches and Retail branches
9. Upgrade License Netbackup dari Host Based ke 9. Upgrade of the Netbackup License from Host Based to
Capacity Based Capacity Based
10. Upgrade Patch Management BIGFIX untuk Server dan 10. BIGFIX Patch Management Upgrade for Servers and
Workstation Workstations
11. Implementasi Deep security untuk keamanan server 11. Implementation of Deep security for Core Banking and
Core Banking dan MIS MIS server security
Tujuan Pengembangan Sistem Berbasis TI 2023. Objectives of IT-Based System Development in
2023
• Peningkatan Efisiensi Operasional: • Increased Operational Efficiency:
- Pembangunan jaringan infrastruktur dan komunikasi - Construction of new infrastructure and
baru untuk cabang Bandung dan cabang Retail communications networks for Bandung branches
meningkatkan ketersediaan layanan bagi nasabah. and Retail branches increases service availability for
- Relokasi server DRC ke Taman Tekno BSD customers.
memberikan keamanan dan ketersediaan data - The relocation of DRC servers to Taman Tekno BSD
yang lebih baik, yang pada gilirannya meningkatkan provides better security and data availability, which
efisiensi operasional dengan mengurangi risiko will ultimately increase operational efficiency by
gangguan sistem. reducing the risk of system disruption.
• Kualitas Layanan yang Lebih Baik: • Better Quality of Service:
- Implementasi sistem BI FAST untuk menambahkan - Implementation of the BI FAST system to add real
fitur layanan transfer antar bank yang real time. time interbank transfer service features.
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Fungsi Penunjang Bisnis
Business Support Function
- Implementasi Retail Payroll Loan untuk pihak ketiga - Implementation of Retail Payroll Loans for third
memungkinkan nasabah korporasi Retail untuk parties allows Retail corporate customers to open
membuka layanan Payroll ke karyawannya. Payroll services to their employees.
- Implementasi Funding/Lending Simulator (E-Sales - Implementation of the Funding/Lending Simulator
Kit) membantu nasabah memahami produk (E-Sales Kit) assists customers to have a better
Funding dan Kredit dengan lebih baik, sehingga understanding in Funding and Credit products,
meningkatkan kesadaran dan kepercayaan thereby increasing customer awareness and
pelanggan. confidence.
• Pemenuhan Standar Regulasi dan Keamanan: • Compliance with Regulatory and Security Standards:
- Implementasi aplikasi pelaporan ANTASENA - Implementation of the ANTASENA reporting
memastikan kepatuhan terhadap regulasi Bank application ensures compliance with Bank
Indonesia. Indonesia regulations.
- Upgrade Infrastruktur Core Banking dan MIS serta - Core Banking and MIS Infrastructure upgrades
upgrade versi database Oracle menjaga kepatuhan and Oracle database version upgrades maintain
terhadap standar keamanan. compliance with security standards.
• Peningkatan Keamanan dan Ketersediaan Layanan: • Improved Security and Service Availability:
- Upgrade License Netbackup dari Host Based ke - Upgrade of the Netbackup License from Host Based
Capacity Based serta upgrade Patch Management to Capacity Based as well as upgrade of the BIGFIX
BIGFIX dan implementasi Deep Security untuk Patch Management, as well as the implementation
keamanan server Core Banking dan MIS memperkuat of Deep Security for Core Banking and MIS server
pertahanan terhadap ancaman keamanan, menjaga security strengthen defense against security
keamanan data nasabah dan ketersediaan layanan threats, maintains the security of customer data
secara keseluruhan. and overall service availability.
INVESTASI TEKNOLOGI INFORMASI TAHUN 2023 INFORMATION TECHNOLOGY INVESTMENT IN
2023
OK BANK terus mewujudkan komitmennya untuk OK BANK continues to realize its commitment to carry
melakukan pengembangan TI sesuai dengan kebutuhan. Hal out IT development according to needs. This is carried
ini dilakukan untuk mencapai visi yang telah dicanangkan out to achieve the vision that has been established.
sebelumnya. Untuk itu, OK BANK menganggarkan dan For this reason, OK BANK has established budgets and
merealisasikan investasi pengembangan di bidang TI pada realized development investments in the IT sector in each
setiap tahun operasional. operational year.
Di tahun 2023, Perseroan telah menganggarkan In 2023, the Company has allocated IT management and
dana pengelolaan dan pengembangan TI sebesar development funds amounting to Rp28,663,760,000. This
Rp28.663.760.000,-. Besaran angka tersebut telah terserap figure has been absorbed by 79%, or Rp22,879,525,303, to
sebesar 79% atau Rp22.879.525.303,- untuk melaksanakan carry out IT investment. Details of information technology
investasi TI. Adapun rincian investasi Teknologi Informasi investment in 2023 are presented in the following table:
untuk tahun 2023 dapat dilihat dalam tabel berikut:
Investasi Teknologi Informasi Tahun 2023
Information Technology Investment in 2023
Investasi Biaya Investasi (Rp)
No.
Investment Investment Fee (Rp)
1 Hardware 17.197.305.445.00
2 Software 5.682.219.858.00
Jumlah 22.879.525.303.00
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Biaya Investasi Teknologi Informasi
Information Technology Investment Cost
No. Realisasi Biaya (Rp) Anggaran (Rp) Penyerapan (%)
Investasi Fee Realization (Rp) Budhet (Rp) Absorption (%)
Investasi Teknologi Informasi OPEX 25.534.763.839.00 25.572.000.000.00 99
OPEX Information Technology Investment
Investasi Teknologi Informasi CAPEX 22.879.525.303.00 28.663.760.000.00 79
CAPEX Information Technology Investment
RENCANA PENGEMBANGAN SISTEM FUTURE INFORMATION TECHNOLOGY SYSTEM
TEKONOLOGI INFORMASI KE DEPAN DEVELOPMENT PLANS
Dalam rangka menghadapi tantangan era teknologi In order to address the challenges of the continuously
informasi yang terus berkembang, Bank telah merinci growing information technology age, the Bank has
rencana pengembangan sistem informasi untuk periode detailed its information system development plans for the
2024-2026. Fokus utama dari rencana ini melibatkan 2024-2026 period. The primary focus of this plan involves
peningkatan layanan perbankan digital, dengan improving digital banking services with the development
pengembangan New Mobile Banking dan Internet Banking of new mobile banking and internet banking with the
dengan integrasi QRIS Payment, Fingerprint Login, ATM integration of QRIS Payment, fingerprint login, ATM card
Card Control dan E-KYC untuk pembukaan Tabungan atau control, and E-KYC for opening savings or deposits, which
Deposito yang diharapkan akan memberikan kemudahan is expected to provide easy transactions for customers.
transaksi kepada nasabah.
Selain itu, fase kedua dari BI-FAST akan diterapkan, dengan In addition, the second phase of BI-FAST will be
penambahan fitur Bulk Transfer untuk meningkatkan implemented, with the addition of the Bulk Transfer
manajemen transfer massal, memberikan kemudahan feature to improve bulk transfer management, providing
dalam pengelolaan transaksi besar seperti pembayaran gaji. convenience in managing large transactions such as salary
payments.
Dalam rangka memenuhi peraturan dan standar perbankan, In order to comply with banking regulations and standards,
Bank juga akan fokus pada pengembangan sistem SLIK, SCV, the Bank will also focus on developing the SLIK, SCV, and
dan LCR. Pengembangan ini bertujuan untuk mengurangi LCR systems. This development aims to reduce financial
risiko keuangan, dan meningkatkan transparansi serta risk, increase transparency, and provide confidence to
memberikan kepercayaan kepada regulator dan nasabah. regulators and customers.
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Analisis dan Pembahasan Manajemen Manajemen Discussion and Analysis Di tengah kondisi ketidakpastian dan perlambatan perekonomian global, perekonomian Indonesia tercatat tetap kuat dan stabil dengan mencatatkan pertumbuhan sebesar 5,05%. OK BANK mampu meraih kesempatan yang ada dengan mencatatkan perbaikan kinerja baik dari aspek operasiona lmaupun keuangan. In the midst of uncertainty and global economic slowdown, Indonesia’s economy remained strong and stable by recording a growth of 5.05%. OK BANK was able to seize the opportunity by recording improved performance in both operational and financial aspects.
Page 116
Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
Kondisi Perekonomian Nasional
National Economy Condition
“OK BANK konsisten menunjukkan komitmen pengembangan
dan peningkatan layanan dengan menggunakan dana hasil
program right issue di tahun-tahun sebelumnya dengan prudent.
Selain untuk memperkuat fondasi keuangan, Bank menggunakan
sebagian dana tersebut untuk memperluas jaringan Kantor
Cabang, merelokasi Kantor Cabang Pembantu, mengembangkan
produk dan layanan inovatif dan meningkatkan keandalan sistem
operasional berbasis teknologi informasi yang membuat nasabah
dapat mengakses layanan OK BANK dari manapun dan kapanpun“
“OK BANK consistently shows a commitment to developing and improving services by using the
proceeds from the rights issue program in previous years prudently. In addition to strengthening its
financial foundation, the Bank used some of the funds to expand its Branch Office network, relocate
its Sub-Branch Offices, develop innovative products and services, and improve the reliability of its
information technology-based operational system that enables customers to access OK BANK’s
services from anywhere and at any time.”
Di tengah kondisi ketidakpastian dan perlambatan In the middle of uncertainty and a global economic
perekonomian global, perekonomian Indonesia tercatat slowdown, Indonesia’s economy remained strong and
tetap kuat dan stabil. Secara kumulatif sepanjang 2023, stable. Cumulatively, throughout 2023, the realization of
realisasi pertumbuhan ekonomi sebesar 5,05%, melambat economic growth was 5.05%, slowing down compared
dibandingkan pertumbuhan 5,31% pada 2022. Hal ini sejalan to 5.31% growth in 2022. This is in line with expectations
dengan perkiraan akibat perlambatan ekonomi global dan due to the slowdown in the global economy and domestic
aktivitas domestik yang terdampak tingginya suku bunga activities affected by high interest rates and the anticipation
dan antisipasi kondisi Pemilu yang dimulai sejak kuartal of general election conditions starting from the last quarter
terakhir 2023 sampai dengan akhir semester I 2024. of 2023 to the end of the first semester of 2024.
Data BPS menunjukkan lapangan usaha yang tumbuh The Central Bureau of Statistics (BPS) data shows that the
signifikan adalah Transportasi dan Pergudangan sebesar business sectors that grew significantly were Transportation
14,74% serta diikuti Jasa Lainnya sebesar 11,14%. Data BPS and Warehousing at 14.74%, followed by Other Services at
juga menunjukkan konsumsi domestik telah menunjukkan 11.14%. The BPS data also shows that domestic consumption
tren penguatan seiring dengan berakhirnya status pandemi. has shown a strengthening trend along with the end of
Kemudian, data Bank Indonesia menunjukkan, pertumbuhan the pandemic status. Then, Bank Indonesia data shows
ekonomi Indonesia di tahun 2023 juga ditopang oleh naiknya Indonesia’s economic growth in 2023 is also supported
konsumsi swasta, termasuk konsumsi generasi muda, juga by the increase in private consumption, including the
ditopang oleh berlanjutnya realisasi penyelesaian Proyek consumption of the younger generation, as well as the
Strategis Nasional (PSN). continued realization of the completion of the National
Strategic Project (PSN).
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Pada Triwulan IV-2023 pertumbuhan tercatat 5,04% (yoy) In the fourth quarter of 2023, growth was recorded at
atau lebih tinggi dari triwulan III-2023 yang tumbuh sebesar 5.04% (yoy), or higher than the third quarter of 2023,
4,94%. Angka ini lebih tinggi dari consensus forecast which increased by 4.94%. This figure was higher than
yang pada waktu itu diperkirakan pertumbuhan ekonomi the consensus forecast, which estimated that Indonesia’s
Indonesia di tahun 2023 adalah 5,03%. Pertumbuhan economic growth in 2023 would be 5.03%. The impressive
impresif secara full year tahun 2023 juga ditopang oleh full-year growth in 2023 was also supported by the
komponen pengeluaran konsumsi rumah tangga yang household consumption expenditure component, which
tumbuh sebesar 4,82% (yoy), serta pembentukan modal increased by 4.82% (yoy), and gross fixed capital formation
tetap bruto (PMTB) yang mencapai 4,40% (yoy). (PMTB), which reached 4.40% (yoy).
Terjaganya pertumbuhan konsumsi rumah tangga The sustained growth of household consumption and PMTB,
dan PMTB, serta meningkatnya pertumbuhan sektor as well as the increased growth of the Transportation and
Transportasi dan Pergudangan, Jasa Lainnya serta Jasa Warehousing, Other Services, and Construction Services
Konstruksi tersebut merupakan implikasi dari upaya sectors, are the implications of efforts that have been
yang telah dijalankan pemerintah dalam menstimulasi carried out by the government in stimulating the national
perekonomian nasional pada triwulan IV-2023 lalu, seperti economy in the fourth quarter of 2023, such as stimulating
stimulus sektor perumahan melalui kebijakan pajak the housing sector through the government-borne value-
pertambahan nilai ditanggung pemerintah (PPN DTP) dan added tax (VAT DTP) policy and subsidizing administrative
pemberian subsidi biaya administrasi bagi perumahan costs for low-income housing (MBR), intensifying social
masyarakat berpenghasilan rendah (MBR), penebalan assistance (bansos) to mitigate El Nino and maintain
bantuan sosial (bansos) untuk mitigasi El Nino dan menjaga purchasing power, and accelerating the distribution of
daya beli, serta akselerasi penyaluran kredit usaha rakyat people’s business credit (KUR) to strengthen micro, small,
(KUR) untuk penguatan usaha mikro, kecil, dan menengah and medium enterprises (MSMEs).
(UMKM).
KONDISI INDUSTRI KEUANGAN DAN PERBANKAN FINANCIAL AND BANKING INDUSTRY CONDITIONS
Industri keuangan maupun perbankan nasional mampu The national financial and banking industry was able to
mengatasi kondisi ketidakpastian dan tingginya suku overcome the uncertainty and high reference interest
bunga rujukan yang membuat pertumbuhan perekonomian rates that slowed economic growth by continuing to show
melambat dengan tetap menunjukkan pertumbuhan, growth in line with economic conditions. The resilience of the
selaras dengan kondisi perekonomian. Ketahanan industri banking industry in 2023 was well maintained, as seen from
perbankan di tahun 2023 terjaga dengan baik terlihat dari credit growth, credit quality, capital aspects, and liquidity.
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
pertumbuhan kredit, kualitas kredit, aspek permodalan, Data from the Financial Services Authority (OJK) showed
maupun likuiditas. Data Otoritas Jasa Keuangan (OJK), that bank loans were 10.38% (yoy), although the growth
menunjukkan kredit perbankan sebesar 10,38% (yoy), of Third Party Funds (DPK) was only 3.73% (yoy). Based
meskipun pertumbuhan Dana Pihak Ketiga (DPK) hanya on the usage group, credit growth was mainly supported
sebesar 3,73% (yoy). Berdasarkan kelompok penggunaan, by investment and working capital loans of 12.26% and
pertumbuhan kredit terutama ditopang oleh kredit investasi 10.05%, respectively. Sectorally, credit growth was mainly
dan kredit modal kerja, masing-masing sebesar 12,26% dan supported by the performance of the transportation, social
10,05%. Sementara secara sektoral, pertumbuhan kredit services, trade, electricity, gas, and water sectors. Sharia
terutama ditopang oleh kinerja sektor Pengangkutan, financing in December 2023 also increased by 15.80% (yoy),
Jasa Sosial, Perdagangan, dan Listrik, Gas, Air. Pembiayaan while MSME credit growth reached 8.03% (yoy). Going
syariah pada Desember 2023 juga tumbuh sebesar 15,80% forward, credit growth is estimated to increase by 10–12%
(yoy), sementara pertumbuhan kredit UMKM mencapai in 2024, in line with continued strong domestic economic
8,03% (yoy). Ke depan, pertumbuhan kredit diprakirakan growth.
meningkat dalam kisaran 10-12% pada 2024, sejalan dengan
tetap kuatnya pertumbuhan ekonomi domestik.
Dari sisi permodalan tingkat rasio CAR perbankan di nasional In terms of capitalization, the national banking CAR ratio
masih terjaga sebesar 27,65%. Likuiditas perbankan tetap is still at 27.65%. Banking liquidity remains adequate, as
memadai, tecermin dari rasio Alat Likuid terhadap Dana reflected in the ratio of Liquid Tools to Third Party Funds
Pihak Ketiga (AL/DPK) pada Desember 2023 yang terjaga (AL/DPK) in December 2023, which remains high at 28.73%.
tinggi pada 28,73%. Untuk profatibilitas perbankan 2023 The 2023 banking profitability is also quite good, with NIM
juga cukup baik dengan NIM sebesar 4,81% dan ROA sebesar at 4.81% and ROA at 2.74%. The domestic banking NPL ratio
2,74%. Rasio NPL perbankan domestik juga terjaga di 2,19% is also maintained at 2.19% (gross) and 0.75% (net). Overall,
(gross) dan 0,75% (netto). Secara keseluruhan, ketahanan the strong banking resilience is supported by the ability
perbankan yang kuat tersebut didukung oleh kemampuan to pay corporations and households that remain good, in
bayar korporasi dan rumah tangga yang tetap baik, sejalan line with corporate performance and household income
dengan kinerja korporasi dan ekspektasi penghasilan expectations that continue to improve. Bank Indonesia’s
rumah tangga yang terus membaik. Hasil stress-test Bank stress-test results show that banking resilience remains
Indonesia menunjukkan ketahanan perbankan tetap kuat strong when facing various uncertainty risks in the future.
dalam menghadapi berbagai risiko ketidakpastian ke depan. Bank Indonesia will continue to strengthen policy synergies
Bank Indonesia akan terus memperkuat sinergi kebijakan with KSSK in mitigating these risks that could potentially
bersama KSSK dalam memitigasi berbagai risiko tersebut disrupt financial system stability.
yang berpotensi mengganggu stabilitas sistem keuangan.
PERKEMBANGAN EKONOMI DAN PERBANKAN DEVELOPMENT OF DIGITAL ECONOMY AND
DIGITAL BANKING
Pengembangan ekonomi digital menjadi katalisator utama The development of the digital economy is a major catalyst
dalam mendorong kemajuan perekonomian nasional. for driving national economic progress. The development
Pengembangan ekonomi digital hingga tahun 2045 disiapkan of the digital economy until 2045 is prepared through
melalui 3 fase yakni Fase Prepare yang dimulai dengan 3 phases, namely the Prepare Phase, which begins with
perbaikan fondasi digital dasar guna memastikan masyarakat improving the basic digital foundation to ensure that
siap bertransformasi, Fase Transforms sebagai upaya society is ready for transformation; the Transforms Phase,
percepatan transformasi guna menciptakan masyarakat dan as an effort to accelerate transformation to create a smart
bisnis yang cerdas, serta Fase Lead dengan mulai menetapkan society and business; and the Lead Phase, which starts to
standar dalam teknologi inovasi di masa mendatang. set standards in future innovation technology.
Terdapat 6 pilar utama pengembangan ekonomi digital. There are six main pillars of digital economy development.
Pertama, di bidang Infrastruktur intervensi akan menyasar First, in the field of infrastructure, intervention will target
perluasan jangkauan penetrasi internet, peningkatan mutu expanding the reach of internet penetration, improving
infrastruktur digital, serta peningkatan dalam computing edge. the quality of digital infrastructure, and increasing the
Hingga saat ini, Pemerintah sendiri telah membangun sejumlah computing edge. To date, the Government itself has built
infrastruktur digital seperti Jaringan Fiber Optic Palapa Ring several digital infrastructures, such as the Palapa Ring Fiber
yang menghubungkan 57 Kab/Kota, tambahan BTS, hingga Optic Network connecting 57 regencies/cities, additional
pemanfaatan Satelit Multifungsi Satria untuk lokasi 3T. BTS, and the use of the Satria Multifunction Satellite for the
3T locations.
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Kemudian pilar kedua pada bidang SDM, intervensi ditujukan Then, in the second pillar in the field of Human Resources,
menyasar pendidikan formal, pemberdayaan tenaga kerja, dan interventions are aimed at formal education, workforce
lifelong learning guna memastikan setiap individu memiliki empowerment, and lifelong learning to ensure that every
keterampilan di era digital. Indonesia diprediksi membutuhkan individual has skills in the digital era. Indonesia is predicted
talenta digital hingga 9 Juta dalam 15 tahun mendatang to need up to 9 million digital talents in the next 15 years,
atau 600 ribu setiap tahunnya. Saat ini, Pemerintah terus or 600 thousand each year. Currently, the Government
mendorong peningkatan keterampilan digital masyarakat continues to encourage the improvement of people’s
melalui Prakerja, Digital Talent Scholarship, hingga kolaborasi digital skills through Pre-Employment, Digital Talent
dengan pihak swasta seperti Apple, Microsoft, dan Amazon. Scholarship, and collaboration with private parties such as
Apple, Microsoft, and Amazon.
Pilar ketiga yakni pada bidang Riset, Inovasi, dan Pengembangan The third pillar, namely in the field of Research, Innovation
(R&D) akan dilakukan peningkatan komitmen dalam penelitian and Development (R&D), will increase commitment to
dan pengembangan, serta mendorong budaya inovasi. research and development as well as encourage a culture
Pemerintah sendiri saat ini juga telah menyediakan dukungan of innovation. The government itself has also provided
berupa Super Tax Deduction hingga 300% untuk kegiatan R&D. support in the form of a Super Tax Deduction of up to 300%
for R&D activities.
Keempat, mewujudkan ekosistem bisnis yang produktif, Fourth, realizing a productive, advanced, and high-value-
maju, dan bernilai tambah tinggi melalui digitalisasi sektor added business ecosystem through the digitization of
ekonomi prioritas seperti manufaktur, perdagangan, dan priority economic sectors such as manufacturing, trade,
pertanian. Pilar kelima yakni bersama otoritas terkait akan and agriculture. The fifth pillar, together with relevant
membuka pintu inklusi finansial dengan target tingkat authorities, will open the door to financial inclusion with a
inklusi keuangan mencapai 90% pada tahun 2024, serta target financial inclusion rate of 90% by 2024, and the last
pilar terakhir berupa dukungan ekosistem regulasi dan pillar is the support of a healthy, fair, consumer protection-
kebijakan yang sehat, adil, berorientasi pada perlindungan oriented, and national security regulatory and policy
konsumen dan keamanan nasional. ecosystem.
Kinerja transaksi ekonomi dan keuangan digital tetap kuat The performance of digital economic and financial
didukung oleh sistem pembayaran yang aman, lancar, dan transactions remains solid, supported by a safe, smooth,
andal. Pada tahun 2023, nilai transaksi digital banking tercatat and reliable payment system. In 2023, the value of digital
Rp58.478,24 triliun atau tumbuh sebesar 13,48% (yoy) dan banking transactions was recorded at Rp58,478.24
diproyeksikan meningkat 9,11% (yoy) hingga mencapai trillion, or an increase of 13.48% (yoy) and is projected to
Rp63.803,77 triliun pada tahun 2024. Sementara nilai transaksi increase by 9.11% (yoy) to reach Rp63,803.77 trillion in 2024.
Uang Elektronik (UE) meningkat 43,45% (yoy) sehingga Meanwhile, the value of Electronic Money (EU) transactions
mencapai Rp835,84 triliun dan diproyeksikan meningkat increased by 43.45% (yoy) to reach Rp835.84 trillion and is
25,77% (yoy) hingga mencapai Rp1.051,24 triliun pada tahun projected to increase by 25.77% (yoy) to reach Rp1,051.24
2024. Nominal transaksi QRIS tercatat tumbuh 130,01% (yoy) trillion by 2024. QRIS transaction nominal was recorded
dan mencapai Rp229,96 triliun, dengan jumlah pengguna to increase by 130.01% (yoy) and reach Rp229.96 trillion,
45,78 juta dan jumlah merchant 30,41 juta yang sebagian with 45.78 million users and 30.41 million merchants, most
besar merupakan UMKM. Sementara itu, nilai transaksi of whom are MSMEs. Meanwhile, the value of payment
pembayaran menggunakan kartu ATM, kartu debit, dan kartu transactions using ATMs, debit cards, and credit cards
kredit mencapai Rp8.178,69 triliun atau turun sebesar 0,81% reached Rp8,178.69 trillion, or decreased by 0.81% (yoy). In
(yoy). Dari sisi pengelolaan uang Rupiah, jumlah Uang Kartal terms of Rupiah money management, the amount of Cartal
Yang Diedarkan (UYD) pada Desember 2023 meningkat 7,33% Money in Circulation (UYD) in December 2023 increased by
(yoy) sehingga menjadi Rp1.101,75 triliun. 7.33% (yoy) to Rp1,101.75 trillion.
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
Tinjauan Operasional
Operational Review
ARAH KEBIJAKAN BANK BANK POLICY DIRECTION
Pada 2024 Bank akan konsisten melanjutkan strategi In 2024, the Bank will consistently explore the corporate
dalam menjajaki segmen korporasi dan komersial dengan and commercial segments by targeting the 100 richest
menargetkan 100 konglomerasi/orang terkaya di Indonesia conglomerates/people in Indonesia and is optimistic about
dan optimis untuk mencapai target yang telah ditetapkan achieving the targets set by sticking to the principle of
dengan tetap berpegang pada prinsip kehati-hatian prudence in order to maintain the quality of the Bank. The
demi menjaga kualitas Bank. Bank juga terus-menerus Bank also continues to work on normalizing restructured
mengusahakan menormalisasi kredit-kredit restruktur loans as well as setting up reserves for debtors with
sekaligus menyiapkan pencadangan untuk debitur-debitur high-risk categories as part of the Bank’s commitment to
dengan kategori berisiko tinggi, sebagai komitmen Bank maintaining the quality of its loan portfolio. The Bank’s total
untuk menjaga kualitas portofolio kredit yang dimiliki. Total lending in 2023 reached Rp8,528 billion, or increased by
penyaluran kredit Bank di tahun 2023 mencapai sebesar 5.75% (ytd).
Rp8,528 miliar atau tumbuh sebesar 5,75% (ytd).
Tahun 2024 merupakan tahun politik dengan adanya The year 2024 is a political year with the general election,
pemilu, dan diasumsikan pertumbuhan kredit dan industri and it is assumed that credit and industry growth will slow
akan melambat atau stagnan selama semester I/2024 down or stagnate during the first semester of 2024, where
dimana perusahaan akan cenderung wait and see untuk companies will tend to wait and see for business expansion.
ekspansi bisnis. Sejalan dengan hal ini arah strategi Bank In line with this matter, the Bank’s strategic direction in
dalam pertumbuhan kredit akan stagnan di semester I dan credit growth will stagnate in the first semester and start
mulai tumbuh di semester II, dengan asumsi bisnis dan to increase in the second semester, assuming that business
industri akan kembali normal setelah pemilu. and industry will return to normal after the general election.
Prioritas Bank adalah meningkatkan asset Bank melalui The Bank’s priorities are to increase its assets through
penyaluran kredit ke segmen Korporasi dan Financial lending to the Corporate and Financial Institution segments,
Institution, mengembangkan aplikasi Retail Loan berbasis develop a mobile app-based Retail Loan application to
mobile app untuk menjangkau pasar yang lebih luas, reach a wider market, develop funding products, as well as
mengembangkan produk funding, sekaligus melengkapi complete the necessary infrastructure and facilities, which
infrastruktur dan fasilitas yang diperlukan, yang meliputi: include: adding e-Channel features and services (ATM,
penambahan fitur dan layanan e-Channel (ATM, Internet Internet Banking, Mobile Banking), adding office networks
Banking, Mobile Banking), dan penambahan jaringan kantor outside DKI Jakarta, namely in Bandung, and continuously
di luar DKI Jakarta yaitu di Bandung, serta terus menerus improving the capacity of human resources through
meningkatkan kapasitas sumber daya manusia melalui training and the MDP program.
pelatihan serta program MDP.
Menyesuaikan dengan kondisi pasar, arah kebijakan Adjusting to market conditions, the Bank’s policy direction
Bank untuk periode 2024 – 2026 akan difokuskan pada for the 2024–2026 period will be focused on increasing
peningkatan profitabilitas melalui penyaluran kredit yang profitability through lending, which includes:
mana meliputi:
• Meningkatkan daya saing dan mengembangkan • Increasing competitiveness and developing sales
infrastruktur penjualan infrastructure.
- Meningkatkan efisiensi alur kredit dengan - Improving credit flow efficiency by developing
mengembangkan CREPASS yaitu sitem kredit CREPASS, namely an online credit scoring system,
skoring online, melekatkan kebutuhan nasabah embedding customer needs in a simple and fast
dalam proses penyaluran kredit yang sederhana credit distribution process, and developing a
dan cepat dan mengembangkan collection system. collection system. Continue to use Midtrans for the
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Tetap menggunakan Midtrans untuk penyaluran distribution of retail loans to customers and as a
retail loan ke nasabah dan sebagai salah satu channel for payment of credit installments through
channel untuk pembayaran cicilan kredit melalui minimarkets (such as Indomaret & Alfamart)
minimarket (seperti Indomaret & Alfamart)
- Meningkatkan proses seleksi untuk memperoleh - Improving the selection process to obtain qualified
Relationship Manager (RM) yang mumpuni. Relationship Managers (“RM”).
- Menambah jaringan cabang di luar DKI Jakarta - Adding branch networks outside DKI Jakarta
• Mengembangkan pembiayaan ritel konsumen dengan • Developing consumer retail financing with solid stability
stabilitas yang kuat Increasing partnership-based sales in collaboration
Meningkatkan penjualan berbasis kemitraan bekerja with loan agencies, payroll loans & loan aggregators
sama dengan loan agency (1), payroll loan & loan (such as Ayo Kenalin, etc). Expanding lending through
aggregator (seperti Ayo Kenalin dll). Mengekspansi P2P Channeling and partnering with Fintech companies
penyaluran kredit melalui P2P Channeling dan bermitra (such as Asetku, Shopee, etc.) in an effort to accelerate
dengan perusahaan Fintech (sepeti Asetku, Shopee, dll) financial inclusion.
dalam upaya percepatan inklusi keuangan.
- Mengelola dan menambah tenaga call center, - Managing and adding outsource-based call center
organisasi penagihan, KYC Agen Internal berbasis personnel, collection organization, and KYC Internal
outsource (PT Cahaya Research Indonesia, dll). Agents (PT Cahaya Research Indonesia, etc.).
- Menambah kerja sama dengan perusahaan- - Increasing cooperation with companies in
perusahaan dalam kredit payroll loan karyawan employee payroll loans and increasing payroll loan
serta meningkatkan penjualan payroll loan melalui sales through cross-selling.
cross-sell.
• Meningkatkan kapasitas sistem dan layanan • Increasing the capacity of systems and services
- Menggunakan teknologi untuk menambah aplikasi - Using technology to add mobile-based loan
(App) yaitu loan applikasi berbasis mobile, Mobile applications (Apps), and Mobile web pages, as well
web page dan meningkatkan kepuasan nasabah as improving customer satisfaction by adding the
dengan menambahkan fungsi aplikasi kredit agar loan application function to enable self-assessment.
dapat melakukan self assessment. Mengembangkan Developing a separate web page that will be used
web page terpisah yang akan digunakan untuk to support the Sales Referral Program and provide
mendukung Sales Referral Program dan memberikan services that make customers comfortable.
layanan yang membuat kenyamanan nasabah.
- Menambah fitur-fitur di internet banking dan - Adding features to internet banking and mobile
mobile banking antara lain penambahan layanan banking such as bill payment, e-wallet transfer,
pembayaran tagihan, transfer e-wallet, pembukaan account opening, and BI-Fast phase II development.
rekening, dan pengembangan BI-Fast tahap II.
Dalam mengembangkan usaha, Bank juga ikut berkontribusi In developing the business, the Bank also contributes to
membangun ekonomi nasional dan terus mengembangkan building the national economy and continues developing
aksi keuangan berkelanjutan yang meliputi: pemberian sustainable financial actions which include: providing
beasiswa, penyaluran kredit UMKM, peningkatan CSR, scholarships, channeling MSME loans, increasing CSR,
pengembangan kapasitas internal, dan lain-lain. developing internal capacity, etc.
1. Loan Agency merupakan penyedia jasa tenaga pemasaran dalam melakukan direct sales dan Loan Aggregator merupakan penyedia platform untuk pegajuan secara online.
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Management Discussionand Analysis
Dari sisi manajemen aset dan liabilitas, Bank akan terus In terms of asset and liability management, the Bank will
meningkatkan kerja sama dengan bank umum dan institusi continue to enhance cooperation with commercial banks
keuangan lainnya untuk mengoptimalkan kinerja Bank. and other financial institutions to optimize the Bank’s
Dengan peningkatan aktivitas Bank di pasar uang antar performance. By increasing the Bank’s activities in the
bank, Bank juga dapat meningkatkan tingkat kepercayaan interbank money market, the Bank can also increase the
dan visibilitas di industri perbankan nasional. level of trust and visibility in the national banking industry.
Untuk mendukung pencapaian arah kebijakan Bank, Bank To support the achievement of the Bank’s policy direction,
akan meningkatkan pengembangan sumber daya manusia the Bank will improve the development of reliable
yang handal yang diharapkan dapat memberikan kontribusi human resources expected to contribute to the Bank’s
terhadap perkembangan bisnis Bank ke depan. Selain business development in the future. In addition, the Bank
itu, Bank akan terus melakukan perbaikan dalam bidang will continue to make improvements in the areas of risk
pengelolaan risiko, tata kelola perusahaan yang baik, serta management, and good corporate governance as well as
meningkatkan efisiensi & produktivitas untuk meningkatkan increase efficiency & productivity to increase profitability.
rentabilitas.
LANGKAH-LANGKAH STRATEGIS BANK BANK’S STRATEGIC STEPS
Sesuai dengan visi untuk menjadi bank yang memberikan In accordance with the vision to become a bank that
layanan terbaik dalam industri perbankan retail di Indonesia provides the best service in the retail banking industry in
dan objektif Bank untuk memperkuat aset, meningkatkan Indonesia and the Bank’s objectives to strengthen assets,
profit, dan meningkatkan manajemen risiko, Bank increase profits, and improve risk management, the Bank
merencanakan strategi sebagai berikut: plans the following strategies:
a. Strategi Bank Berdasarkan Jangka Waktu a. Bank Strategy Based on Timeframe
Jangka Pendek Short-term
Pada sektor retail, OK BANK bertekad mengembangkan dan menjalankan
Retail Loan Application berbasis mobile application yang didalamnya
menambahkan fitur E-KYC untuk mendukung kemudahan nasabah dalam
mengajukan kredit kapan saja dan di mana saja. Fitur E-KYC membuat
nasabah dan calon nasabah OK BANK dapat mengajukan fasilitas kredit
dengan proses yang singkat dan mudah.
In the retail sector, OK BANK is determined to develop and run a mobile application-based Retail
Loan Application which includes an E-KYC feature to support the convenience of customers in
applying for credit anytime and anywhere. The E-KYC feature allows OK BANK customers and
prospective customers to apply for credit facilities with a short and easy process.
• Sektor Ritel • Retail Sector
- Tetap melakukan ekspansi bisnis yang disertai - Continuing to expand the business accompanied
dengan prinsip kehati-hatian untuk portfolio yang by the principle of prudence for a safer portfolio;
lebih aman;
- Menambah partner kerja sama dengan perusahaan - Adding collaboration partners with Fintech
Fintech, termasuk kredit channeling bekerja sama companies, including credit channeling in
dengan P2P lending dan Multifinance; collaboration with P2P lending and Multifinance;
- Meningkatkan pelayanan call center (telemarketing, - Improving call center services (telemarketing, call
call center, collection management); centers, collection management);
- Penerapan CREPASS atau kredit skoring online - Developing CREPASS or online credit scoring so
sehingga calon nasabah bisa melakukan self- that prospective customers can self-assess their
assessment terhadap aplikasi kreditnya; credit applications;
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- Mengembangkan dan menjalankan Retail - Developing and running a mobile application-based
Loan Application berbasis mobile application Retail Loan Application that includes an E-KYC
yang di dalamnya menambahkan fitur E-KYC feature to support the convenience of customers in
untuk mendukung kemudahan nasabah dalam applying for credit anytime and anywhere. With the
mengajukan kredit kapan saja dan di mana saja. E-KYC feature, OK BANK customers and prospective
Dengan adanya fitur E-KYC, nasabah dan calon customers can apply for credit facilities with a short
nasabah OK BANK dapat mengajukan fasilitas kredit and easy process;
dengan proses yang singkat dan mudah.
- Meningkatkan kehati-hatian terkait originalitas - Increasing caution regarding the originality of
dokumen debitur termasuk pengecekan kartu debtor documents including checking identity
identitas secara online melalui Dukcapil. cards online through Dukcapil;
- Meningkatkan OK! Brand Awareness melalui iklan/ - Increasing OK! Brand Awareness through
advertisement di berbagai media termasuk online advertisements in various media including online
media. media;
- Mengembangkan Aplikasi sistem BI FAST untuk - Developing the BI FAST system application for
transaksi online nasabah 24 Jam dan 7 hari dalam customer online transactions 24 hours a day and
seminggu terus menerus seven days a week continuously;
- Mengembangkan QRIS, password sidik jari dan - Developing QRIS, fingerprint passwords, and other
layanan IB/MB lainnya untuk mempermudah IB/MB services to make it easier for customers to
nasabah melakukan transaksi sehari-hari. make daily transactions;
- Memanfaatkan sistem data dukcapil untuk - Utilizing the Dukcapil data system to obtain
mendapatkan informasi data nasabah yang lebih more accurate customer data information and by
akurat dan dengan dengan pengembangan developing with the use of biometric photo analysis
menggunakan foto biometric analisa wajah calon of prospective customers’ faces.
nasabah.
• Sektor SME (UMKM), Korporasi, dan Komersial • SME (MSMEs), Corporate, and Commercial Sector
- Tetap melakukan ekspansi bisnis yang disertai - Continuing to expand the business, accompanied
dengan prinsip kehati-hatian ; by the principle of prudence;
- Meningkatkan proses monitoring dan mempercepat - Improving the monitoring process and accelerating
proses normalisasi debitur-debitur restruktur the normalization process for the COVID
COVID. restructuring debtors;
- Mempercepat proses penyelesaian kredit-kredit - Accelerating the process of settling non-performing
bermasalah melalui penjualan jaminan maupun loans through collateral and cessie sales;
cessie.
- Pembentukan CKPN yang memadai terutama untuk - Establishment of adequate Allowance for
debitur-debitur dengan risiko tinggi. Impairment Losses (CKPN) especially for high-risk
debtors;
- Memperluas pangsa pasar dengan merekrut - Expanding market share by recruiting Relationship
Relationship Manager (“RM”) dan Kepala Cabang Managers (“RM”) and Branch Heads with the best
dengan talenta terbaik; talent;
- Fokus pada kegiatan marketing dan branding; - Focusing on marketing and branding activities.
- Menyiapkan sistem scoring dan memperkuat sistem - Setting up a scoring system and strengthening the
kontrol internal. internal control system;
- Melakukan update pedoman kredit berdasarkan - Updating credit guidelines based on the industrial
sektor industri dan juga skala bisnis. sector and also business scale;
- Melakukan kerja sama dengan perusahaan asuransi - Cooperating with insurance companies in the form
dalam bentuk penjaminan asuransi kredit. of credit insurance guarantees;
- Menambah rekanan asuransi dalam produk referensi - Adding insurance partners in reference products
terkait produk Bank (general, life, earthquake). related to Bank products (general, life, earthquake).
• Sektor Lainnya (Financial Institution (BPR, MFC) dan • Other Sectors (Financial Institutions (BPR, MFC) and
Multiguna (KMG)) Multipurpose (KMG))
- Meningkatkan kapasitas operasional di bidang - Increasing operational capacity in the field of
pemasaran; marketing;
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- Memonitor kondisi kredit restruktur secara berkala - Monitoring the credit condition of the restructure
regularly;
- Penerapan protokol kesehatan dalam setiap lini - Implementation of health protocols in every line of
layanan operasional bank. bank operational services;
- Biaya CKPN dijaga sesuai dengan ketentuan - Allowance for Impairment Losses is maintained in
POJK48, PSAK 71 & 68 yang berlaku. accordance with the applicable POJK48, PSAK 71 & 68;
- Melakukan update atas rating perusahaan - Updating the Multifinance company rating in
Multifinance dalam otomasi sistem perhitungan the automation of the calculation system for the
pembentukan CKPN. formation of CKPN;
- Mengamati pergerakan kompetitor. - Observing the movement of competitors;
- Memperbaharui kebijakan & prosedur untuk - Updating policies & procedures for the Financial
segmen Financial Institutions dan KMG sesuai Institutions and KMG segments according to
dengan kondisi pasar. market conditions;
- Fokus pada target market BPR dan Multifinance - Focusing on large-scale BPR and Multifinance target
berskala besar dengan background pemegang markets with a strong shareholder/group affiliate
saham/afiliasi grup yang kuat. background.
Jangka Menengah Medium-term
• Sektor Ritel • Retail Sector
- Menambah jumlah kantor cabang, setelah kondisi - Increasing the number of branch offices after the
pandemi berlalu pandemic has passed;
- Melakukan optimalisasi dan alokasi sumber daya - Optimizing and allocating branch resources;
cabang
- Melakukan cross selling; - Doing cross-selling;
- Memberikan layanan private bank (priority service) - Providing private bank services (priority service) to
kepada klien. clients;
- Bekerja sama dengan merchant dan e-commerce - Collaborating with merchants and e-commerce in
dalam layanan pembayaran referral pembiayaan. financing referral payment services;
- Pembukaan Kantor Cabang Bandung pada bulan - Opening of Bandung Branch Office in March 2023;
Maret 2023
- Penutupan Kantor Cabang Pembantu Puri Indah - Closing of Puri Indah Sub-Branch Office in June
pad abulan Juni 2023 2023;
- Relokasi Kantor Cabang Surabaya dan Semrang - Relocation of Surabaya and Semarang Branch
Offices.
• Sektor SME - Usaha Kecil Menengah (“UKM”), • SME Sector - Small and Medium Enterprises (“SMEs”),
Korporasi, dan Komersial Corporate, and Commercial
- Melakukan ekspansi bisnis dan memperluas jaringan - Expanding business and expanding the network to
ke wilayah berkembang. developing areas;
- Memberikan jasa modifikasi produk kepada klien. - Providing product modification services to clients;
- Menjajaki untuk berpartisipasi dalam kredit sindikasi - Exploring to participate in syndicated loan loans;
loan.
- Melakukan proses pengajuan perizinan sebagai - Conducting the licensing process as a Foreign
Bank Devisa (2025). Exchange Bank (2025);
- Menjajaki kredit valuta asing guna melengkapi - Exploring foreign currency loans to complement
kebutuhan nasabah lending (2025). the needs of lending customers (2025).
• Sektor Lainnya • Other Sectors
- Melakukan penambahan fitur-fitur e-Channels yang - Adding e-Channels features that include Internet
meliputi Internet Banking, Mobile Banking, dan ATM Banking, Mobile Banking, and ATMs such as:
seperti : QRIS, akses Mobile Banking menggunakan QRIS, Mobile Banking access using Biometric, and
Biometric, dan pembukaan rekening tanpa datang account opening without coming to the branch
ke cabang melalui Mobile Banking. through Mobile Banking;
- Membuka produk simpanan (tabungan, giro dan - Opening deposit products (savings, current
deposito) dalam bentuk valas (2025). accounts, and time deposits) in foreign currency
(2025).
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b. Strategi Bank Berdasarkan Segmen Produk b. Bank Strategy Based on Product Segments
Pada saat ini, Bank akan mempertahankan segmen Currently, the Bank will maintain 6 loan segments:
kredit menjadi 6: Retail, Multiguna (KMG), SME (UMKM), Retail, Multipurpose (KMG), SME (MSME), Corporate
Korporasi dan Komersial, serta Financial Institution. and Commercial, and Financial Institution.
OK Bank bertekad mengembangkan segmen pasar korporasi dalam
rangka meningkatkan aktivitas transactional banking dengan kemudahan
layanan Internet Banking Corporate dan juga Virtual Account.
OK Bank is committed to developing the corporate market segment in order to increase
transactional banking activities with the convenience of Corporate Internet Banking and
Virtual Account services.
• Pendanaan • Funding
Target: Meningkatkan portofolio dana pihak ketiga Target: Increasing the portfolio of third-party funds
dengan target nasabah individual dengan segmen targeting individual customers with the affluent,
nasabah affluent, korporasi, dan institusi finansial corporate, and financial institutional customer segments
dengan beban cost of fund yang kompetitif dan terukur. with a competitive and measurable cost of funds.
- Melakukan peningkatan pada fitur produk existing - Making improvements to existing product features
untuk segmen produk CASA for the CASA product segment.
- Membuat program pendanaan jangka pendek - Creating short-term funding programs with various
dengan berbagai benefit yang menarik bagi attractive benefits for customers.
nasabah.
- Mengembangkan target segmen institusi finansial - Developing a target segment for financial
berbekal hasil rating dari perusahaan penilai rating institutions based on rating results from
independen. independent rating agencies.
- Mengembangkan segmen nasabah individual dan - Developing individual and corporate customer
korporasi dengan melakukan rekruitmen pada segments by recruiting marketers who already have
tenaga pemasar yang sudah memiliki jaringan an extensive customer network.
nasabah yang luas.
- Melakukan peningkatan motivasi dengan program - Increasing motivation with coaching and training
coaching maupun training untuk menjaga programs to maintain the productivity of bank
produktivitas tenaga pemasar bank. marketers.
- Mengembangkan segmen pasar korporasi untuk - Developing the corporate market segment to
peningkatan pada aktivitas transactional banking increase transactional banking activities with the
dengan kemudahan layanan Internet Banking convenience of Corporate Internet Banking services
Corporate dan juga Virtual Account. and Virtual Accounts.
- Berpartisipasi dalam memasarkan produk Surat - Participating in marketing retail Government Bonds
Berharga Negara ritel yang diterbitkan oleh issued by the government as a sub-distribution
pemerintah sebagai sub mitra distribusi. partner.
- Mengembangkan produk bancassurance berupa - Developing bancassurance products in the form of
produk referensi tidak dalam rangka produk non-bank reference products that provide benefits
bank yang memberikan benefit berupa proteksi in the form of life protection from the risk of death
jiwa dari risiko meninggal dunia dan cacat tetap, and permanent disability, health protection, and
perlindungan kesehatan, hingga perlindungan critical illness protection.
penyakit kritis.
- Mengembangkan layanan priority banking untuk - Developing priority banking services to strengthen
memperkuat komitmen dalam melayani segmen commitment to serving the high-net-worth
nasabah hi net worth. customer segment.
- Mengembangkan layanan wealth management - Developing wealth management services to
untuk memberikan layanan yang optimal dalam hal provide optimal services in terms of customer
pengelolaan kekayaan nasabah. wealth management.
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- Mengembangkan layanan e-KYC khususnya dalam - Developing e-KYC services, especially in terms of
hal pembukaan rekening baru tanpa harus datang opening new accounts without having to come to
ke kantor cabang. a branch office.
- Membuka produk simpanan (tabungan, giro dan - Opening savings products (savings, current
deposito) dalam bentuk valas. accounts, and time deposits) in foreign currency.
- Pengembangan EDC Merchant & QR. - The EDC Merchant & QR Development.
• Kredit Kepada Financial Institution (BPR dan • Credit to Financial Institutions (BPR and Financing
Perusahaan Pembiayaan) Companies)
Target: Mempertahankan rasio pemberian kredit untuk Target: Maintaining the lending ratio for the BPR and
segmen BPR dan Perusahaan Pembiayaan dengan tetap Financing Company segments while still reviewing the
mengkaji risiko sektor tersebut. risks of the sector.
- Fokus hanya pada penyaluran kredit skala besar. - Focusing only on large-scale lending.
- Menyasar perusahaan Multifinance dengan - Targeting multi-finance companies with a
background pemegang saham/afiliasi dari background of shareholders/affiliates from large
konglomerasi grup besar, Bank BUMN/KBMI 4, dan group conglomerates, state-owned banks/KBMI 4,
perusahaan finansial Korea. and Korean financial companies.
- Menyasar BPR besar dan BPR milik pemerintah - Targeting large BPRs and BPRs belonging to local
daerah governments.
- Membuat acara-acara untuk memelihara dan - Organizing events to maintain and provide support
memberikan layanan pendukung bagi nasabah. services for customers.
• Kredit SME/UKM • SME Loans
Target: Kolateral yang aman Target: Secure collateral
- Mewajibkan adanya kolateral berupa properti yang - Requiring collateral in the form of property with
dipasang hak tanggungan. mortgage rights attached.
- Fokus pada nilai dari kolateral. - Focusing on the value of collateral.
- Memonitor pendapatan bisnis dari debitur. - Monitoring business income from debtors.
- Menambah jumlah RM termasuk rotasi RM dari - Increasing the number of RM, including RM rotation
kantor pusat ke cabang. from head office to branch.
- Memasarkan kredit untuk UKM melalui selebaran, - Marketing credit for SMEs through flyers, brochures,
brosur, dan beberapa media sosial lainnya. and several other social media.
- Menjadikan penyaluran kredit untuk UKM sebagai - Making lending to SMEs part of the Bank’s image.
bagian dari image Bank.
• Kredit Komersial & Korporasi • Commercial & Corporate Loans
- Menargetkan 100 korporasi/konglomerasi terbesar/ - Targeting the 100 largest/richest corporations/
terkaya di Indonesia conglomerates in Indonesia.
- Bank memilah segmen kredit komersial & korporasi - The Bank sorts the commercial & corporate loan
untuk debitur-debitur dengan plafon di atas 20 segments for debtors with a ceiling above 20 billion
miliar dan di atas 150 miliar. and above 150 billion.
- Bank melakukan update pada kebijakan dan - The Bank updates credit policies and procedures
prosedur perkreditan terkait pembagian segmen regarding the distribution of credit segments.
kredit.
- Melakukan kerja sama kredit sindikasi dengan Bank- - Collaborating on syndicated loans with other banks.
bank lain
- Mengembangkan produk dan skema kredit sesuai - Developing products and credit schemes according
bisnis/proyek yang dibiayai (project financing, to the business/project being financed (project
supplier financing, distributor financing, dll) financing, supplier financing, distributor financing,
etc.).
- Pada bulan Maret 2023, Bank Oke Indonesia telah - In March 2023, Oke Indonesia Bank became a
menjadi peserta Layanan BIFAST participant in BIFAST Service.
- Di 2025 Bank akan mencoba mengembangkan - In 2025 the Bank will try to develop “trade finance”
“trade finance” dengan menawarkan pinjaman valas by offering foreign currency loans in the Jakarta
di wilayah Jakarta area.
• Kredit Ritel dan KMG (Multiguna) • Retail and KMG (Multipurpose) Loans
Target: Pengembangan untuk bisnis di masa depan Target: Development for future business
- Melakukan perluasan wilayah pemasaran produk - Expanding the marketing area for general KTA
kredit KTA umum. credit products.
124 Laporan Tahunan 2023 Annual Report
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- Fokus pada kredit karyawan di kota-kota besar. - Focusing on employee credit in big cities.
- Kerjasama kredit dengan pihak-pihak lain termasuk - Credit cooperation with other parties including
fintech melalui channeling. fintech through channeling.
- Menambah jumlah RM termasuk rotasi RM dari - Increasing the number of RM including RM rotation
kantor pusat ke cabang. from head office to branch.
- Implementasi registrasi secara online. - Implementation of online registration.
- Memasarkan kredit melalui iklan di Facebook, - Marketing credit through advertisements on
Instagram, website, dan Youtube. Facebook, Instagram, website, and YouTube.
- Menyiapkan aplikasi credit skoring dan aplikasi loan - Preparing a credit scoring application and KTA loan
KTA dalam mobile app application in the mobile app.
Pada tahun 2024 Bank akan tetap fokus untuk In 2024, the Bank will remain focused on making better use
memanfaatkan produk pemberian pinjaman dan pendanaan of existing lending and funding products and increasing
uang yang sudah ada dengan lebih baik dan meningkatkan cross-selling more effectively. In addition to lending
cross-selling dengan lebih efektif. Dari produk pemberian products, the Bank will expand lending to retail, commercial,
pinjaman, Bank akan mengembangkan pemberian pinjaman and corporate segments. On the other hand, the Bank will
kepada segmen retail, komersial dan korporasi. Di sisi lain continue to increase its offering of PRK and investment
tetap berusaha meningkatkan penawaran fasilitas PRK credit facilities, especially to the SME segment. Currently,
dan juga fasilitas kredit investasi khususnya ke segmen payroll loans have been disbursed, targeting partner
SME/UKM. Saat ini telah disalurkan pemberian payroll loan companies and loans to merchants from e-commerce.
dengan sasaran perusahaan-perusahaan rekanan, kredit
kepada merchant dari e-commerce.
KINERJA KREDIT CREDIT PERFORMANCE
OK BANK menawarkan beberapa jenis produk kredit OK BANK offers several types of credit products to
kepada nasabah, baik individu maupun intitusi. Produk- customers, both individuals and institutions. These credit
produk kredit tersebut disesuai dengan kebutuhan dan products are adjusted to the needs and characteristics of
karakteristik nasabah. Pada tahun 2023, kinerja produk kredit customers. In 2023, OK BANK’s credit product performance
OK BANK meraih hasil yang cukup baik, mengingat kondisi achieved fairly good results, considering the depressed
perekonomian Nasional yang tertekan akibat naiknya suku national economic conditions due to rising interest
bunga, dengan sebagian besar pengusaha bersikap wait rates, with most entrepreneurs taking a wait-and-see
and see terkait dimulainya kontestasi Pemilu 2024. Kondisi attitude regarding the start of the 2024 General Election
tersebut membuat pertumbuhan kredit perbankan nasional contestation. These conditions made national banking
di tahun 2023 melemah dibandingkan tahun sebelumnya. credit growth in 2023 weaker than the previous year.
Jumlah kredit yang diberikan mencapai Rp8.527,88 miliar, Total loans reached Rp8,527.88 billion, an increase of 5.75%
meningkat 5,75% dibandingkan tahun sebelumnya compared to the previous year’s Rp8,064.12 billion. The
Rp8.064,12 miliar. Pertumbuhan jumlah kredit yang diberikan increase in the Bank’s total loans was below the national
Bank berada dibawah rata-rata pertumbuhan kredit industri banking industry’s average loan growth of 10.38%.
perbankan nasional 2023 yang sebesar 10,38%.
Saldo dan Porsi Portofolio Subsegmen Bisnis Kredit
Balance and Portfolio Portion of Credit Business Sub-segment
2023 2022 Growth 2023
Uraian
Description Porsi Porsi
Nominal Nominal Nominal %
Portion Portion
Modal Kerja 5.422.468 63,59% 5.216.865 64,69% 205.603 3,94%
Working Capital
Investasi 1.785.956 20,94% 1.760.564 21,83% 25.392 1,44%
Investment
Konsumsi 1.099.042 12,89% 839.290 10,41% 259.752 30,95%
Consumption
Sindikasi 207.537 2,43% 236.576 2,93% (29.039) -12,27%
Syndication
PT Bank Oke Indonesia, Tbk. 125
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
Saldo dan Porsi Portofolio Subsegmen Bisnis Kredit
Balance and Portfolio Portion of Credit Business Sub-segment
2023 2022 Growth 2023
Uraian
Description Porsi Porsi
Nominal Nominal Nominal %
Portion Portion
Karyawan 12.878 0,15% 10.828 0,13% 2.050 18,93%
Employees
Jumlah Bruto 8.527.881 100,00% 8.064.123 100,00% 463.758 5,75%
Gross Total
Penyisihan CKPN (217.321) (134.469) (82.852) 61,61%
Allowance for Impairment Losses
Total Kredit – Bersih 8.310.560 7.929.654 380.906 4,80%
Total Credit - Net
Berdasarkan jenis kredit, kredit yang diberikan OK BANK By loan type, OK BANK’s loans were mainly working capital
utamanya merupakan kredit modal kerja yang mencapai loans, which reached Rp5,422.47 billion, an increase of
Rp5.422,47 miliar, meningkat 3,94% dibandingkan tahun 3.94% compared to the previous year’s Rp5,216.87 billion.
sebelumnya Rp5.216,87 miliar. OK BANK fokus pada segmen OK BANK focuses on market segments that have been the
pasar yang selama ini telah menjadi pasar utama bagi Bank’s main markets, namely DKI Jakarta, Banten, West
Bank, yaitu di wilayah DKI Jakarta, Banten, Jawa Barat, Java, Bali, East Java, and Lampung. In addition, the Bank
Bali, Jawa Timur, dan Lampung. Selain itu, Bank juga telah has also begun to expand market share, diversify financing
mulai memperluas pangsa pasar dan diversifikasi produk products, and optimize human resources in the Jakarta,
pembiayaan serta mengoptimalkan sumber daya manusia di Bandung, Surabaya, Denpasar, and Semarang branches.
cabang Jakarta, Bandung, Surabaya, Denpasar, dan Semarang.
Prioritas Bank adalah meningkatkan asset Bank melalui The Bank’s priorities are to increase its assets through
penyaluran kredit ke segmen Korporasi dan Financial lending to the Corporate and Financial Institution segments,
Institution, mengembangkan aplikasi Retail Loan berbasis develop a mobile app-based Retail Loan application to
mobile app untuk menjangkau pasar yang lebih luas, reach a wider market, develop funding products, as well
mengembangkan produk funding, sekaligus melengkapi as complete the necessary infrastructure and facilities,
infrastruktur dan fasilitas yang diperlukan, yang meliputi: which include: adding e-Channel features and services
penambahan fitur dan layanan e-Channel (ATM, Internet (ATM, Internet Banking, Mobile Banking), and adding office
Banking, Mobile Banking), dan penambahan jaringan kantor networks outside DKI Jakarta, namely in Bandung, West
di luar DKI Jakarta yaitu di Bandung, Jawa Barat. Java.
Saldo dan Porsi Portofolio Subsegmen Bisnis Kredit
Balance and Portfolio Portion of Credit Business Sub-segment
Desember 2023
December 2023
Loan Segment Balance
Rp Miliar
Portion
Rp Billion
Commercial 2.325,65 27,27%
Corporate 2.491,44 29,22%
Financial Institution 1.768,19 20,73%
a. BPR 231,80 2,72%
b. MFC 1.536,39 18,02%
c. Others - 0,00%
Multipurpose 74.59 0,87%
Retail 1.046,20 12,27%
SME 821,89 18,02%
Total 8.527,88 0,00%%
126 Laporan Tahunan 2023 Annual Report
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Outstanding kredit terbesar OK BANK terdapat pada The Bank’s largest outstanding loans were in the Commercial
segmen Komersial dan segmen Korporasi yaitu masing and Corporate segments, amounting to 2,325.65 billion
masing sebesar 2.325,65 miliar (27,27%) dan 2.491,44 (27.27%) and 2,491.44 billion (29.22%), respectively, in line
miliar (29,22%) sejalan dengan rencana strategis Bank. with the Bank’s strategic plan. The Bank is exploring the
Bank menjajaki segmen korporasi dan komersial dengan corporate and commercial segments by targeting the
menargetkan 100 konglomerasi/orang terkaya di Indonesia 100 richest conglomerates/people in Indonesia and is
dan optimis untuk mencapai target yang telah ditetapkan optimistic about achieving the set targets while adhering
dengan tetap berpegang pada prinsip kehati-hatian demi to prudential principles to maintain the Bank’s quality.
menjaga kualitas Bank.
Sesuai dengan arah kebijakan Bank dalam meningkatkan In accordance with the Bank’s policy direction to increase
pertumbuhan profit melalui segmen retail, Bank juga profit growth through the retail segment, the Bank also
secara berkesinambungan mengembangkan sistem untuk continuously develops systems to support the retail
mendukung bisnis kredit retail konsumen, perbaikan proses consumer loan business, improves the process and quality
dan kualitas kredit retail, serta melakukan penyempurnaan of retail loans, improves online banking services, and adds
layanan Online Banking dan penambahan jaringan kantor di office networks outside DKI Jakarta.
luar DKI
SUKU BUNGA DASAR KREDIT BASIC LOAN INTEREST RATE
OK BANK mempublikasikan Suku Bunga Dasar Kredit OK BANK publishes the Basic Loan Interest Rate (SBDK)
(SBDK) dalam mata uang Rupiah sebagaimana diatur in Rupiah as regulated in Financial Services Authority
dalam Peraturan Otoritas Jasa Keuangan (OJK) Nomor 37/ (OJK) Regulation Number 37/POJK.03/2019 concerning
POJK.03/2019 tentang Transparansi dan Publikasi Laporan Transparency and Publication of Bank Reports. The provisions
Bank. Ketentuan peraturan perundang- undangan mengenai of laws and regulations regarding the transparency of bank
transparansi informasi produk bank dan penggunaan data product information and the use of customer personal data
pribadi nasabah kemudian diatur secara lebih rinci pada are then regulated in more detail in OJK Circular Letter No.
Surat Edaran OJK No. 9/SEOJK.03/2020 tentang Transparansi 9/SEOJK.03/2020 concerning Transparency and Publication
dan Publikasi Laporan Bank Umum Konvensional. Informasi of Conventional Commercial Bank Reports. Information on
SBDK yang berlaku dapat dilihat pada publikasi di setiap the applicable SBDK can be seen in publications at each
kantor Bank dan/atau website Bank www.okbank.co.id. Bank’s office and/or the Bank’s website, www.okbank.co.id.
Bank menggunakan SBDK sebagai dasar penetapan suku The Bank uses the SBDK as the basis for determining the loan
bunga kredit yang akan dikenakan kepada nasabah. Akan interest rate that will be charged to customers. However,
tetapi, SBDK belum memperhitungkan komponen estimasi the SBDK has not taken into account the components of the
premi risiko yang besarnya tergantung dari penilaian Bank estimated risk premium, the amount of which depends on
terhadap risiko masing-masing debitur atau kelompok debitur. the Bank’s assessment of the risk of each debtor or group
Dengan demikian, besaran suku bunga kredit yang dikenakan of debtors. Thus, the loan interest rate charged to debtors is
kepada debitur belum tentu sama dengan SBDK. Bank not necessarily the same as the SBDK. The Bank continuously
senantiasa meninjau ulang dan memperbaharui SBDK sesuai reviews and updates the prime lending rate in accordance with
dengan pergerakan suku bunga acuan BI 7-day (Reverse) the movement of the BI 7-day (Reverse) Repo Rate reference
Repo Rate. SBDK di OK BANK dikelompokkan berdasarkan interest rate. The SBDK at OK BANK is grouped based on credit
segmentasi kredit menjadi empat kelompok, yaitu kredit segmentation into four groups, namely corporate loans, retail
korporasi, kredit ritel, kredit mikro, dan kredit konsumsi. loans, micro loans, and consumer loans.
Kredit
Periode Kredit Korporasi Kredit Ritel Kredit Mikro Loans
Period Corporate Loan Retail Loan Micro Loan KPR Non KPR
Housing Non-Housing
Desember 2022 6,75% 11,00% 12,00% 9,50% 11,00%
December 2022
Maret 2023 7,00% 11,25% 12,25% 9,75% 11,25%
March 2023
Juni 2023 7,00% 11,25% 12,25% 9,75% 11,25%
June 2023
September 2023 7,00% 11,25% 12,25% 9,75% 11,25%
Desember 2023 7,25% 11,50% 12,50% 10,00% 11,50%
December 2023
PT Bank Oke Indonesia, Tbk. 127
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
PERBAIKAN KUALITAS ASET ASSET QUALITY IMPROVEMENT
OK BANK selalu mengedepankan prinsip kehati-hatian OK BANK always prioritizes the precautionary principle
dalam menyalurkan pembiayaan untuk memitigasi risiko in disbursing financing to mitigate credit risk as early as
kredit sedini mungkin sehingga memperkecil timbulnya possible, thus minimizing the incidence of non-performing
kredit bermasalah. OK BANK juga melakukan pemantauan loans. OK BANK also conducts regular monitoring of existing
secara rutin terhadap Debitur yang ada, salah satunya debtors, one of which is by grouping debtors who still have
dengan cara melakukan pengelompokan terhadap Debitur the potential to be developed and debtors who have the
yang masih memiliki potensi untuk dikembangkan dan potential to become problematic categorized as debtors
Debitur yang telah berpotensi menjadi bermasalah yang on a watch list.
dikategorikan sebagai Debitur watch list.
Pengelompokan Debitur ini bertujuan untuk memudahkan Debtor grouping aims to facilitate the Bank in making
Bank dalam melakukan pengambilan keputusan terhadap decisions on credit facilities that have been disbursed, where
fasilitas kredit yang telah disalurkan, di mana untuk the group of Debtors who still have business potential will
golongan Debitur yang masih memiliki potensi bisnis akan continue to be developed, thus increasing the benefits for
terus dikembangkan sehingga menambah manfaat bagi the Bank, while for Debtors who are included in the watch
Bank, sedangkan untuk Debitur yang masuk ke dalam list category, settlement steps will be determined before
kategori watch list akan segera ditentukan langkah-langkah credit quality drops to the Non-Performing Loan (NPL) ratio
penyelesaian sebelum kualitas kredit turun menjadi rasio immediately. The implementation of the Early Warning
kredit bermasalah/ Non Performing Loan (NPL). Pelaksanaan System (EWS) in credit monitoring is more optimized to
Early Warning System (EWS) dalam pemantauan kredit ini minimize the increase in the Non-Performing Loan (NPL)
lebih dioptimalkan sehingga memperkecil peningkatan ratio.
rasio kredit bermasalah (NPL).
SPECIAL ASSET MANAGEMENT SPECIAL ASSET MANAGEMENT
OK BANK membentuk Special Asset Management (SAM) OK BANK established Special Asset Management (SAM)
khusus untuk menangani dan menyelesaikan kredit-kredit specifically to handle and resolve non-performing loans.
bermasalah. uraian ringkas tugas dan tanggung jawab SAM A brief description of SAM’s duties and responsibilities
meliputi: includes:
1) Menerima pengalihan account bermasalah dari 1) Receiving the transfer of non-performing accounts from
Business Unit dan secara bersama-sama melakukan due the Business Unit and jointly conducting due diligence
diligence terhadap account yang dialihkan on the transferred accounts.
2) Melakukan kunjungan ke lokasi usaha Debitur dan 2) Visiting the debtor’s business location and making a call
membuat call report atas hasil kunjungan yang report on the results of the visit.
dilakukan.
3) Melakukan upaya penyelesaian terhadap pinjaman 3) Making settlement efforts against debtor loans in the
debitur berupa penagihan dan/atau upaya penyelesaian form of collection and/or other settlement efforts
lainnya termasuk namun tidak terbatas pada usulan including but not limited to proposals for restructuring,
restukturisasi, eksekusi jaminan melalui lelang, execution of collateral through auction, voluntary sale
penjualan jaminan sukarela, AYDA, Litigasi dll of collateral, AYDA, Litigation, etc.
Kredit Bermasalah Non-Performing Loan
Penanganan kredit bermasalah di OK BANK dilakukan oleh The handling of non-performing loans at OK BANK is
Tim Special Asset Management (SAM) di bawah Divisi carried out by the Special Asset Management (SAM) Team
Kredit Admin, dengan berpedoman pada ketentuan- under the Credit Admin Division, guided by applicable
ketentuan yang berlaku dan sesuai dengan prinsip Tata regulations and in accordance with the principles of Good
Kelola Perusahaan yang Baik (Good Corporate Governance). Corporate Governance. The handling and follow-up of NPL
Penanganan dan tindak lanjut debitur NPL dilakukan secara debtors is carried out proactively and continuously, thus
proaktif dan berkesinambungan sehingga dapat menekan reducing the level of non-performing loans at OK BANK.
tingkat kredit bermasalah di OK BANK. Pengelolaan kredit The management of non-performing loans is pursued
bermasalah ditempuh melalui strategi penyelamatan through a credit rescue and settlement strategy through
dan penyelesaian kredit melalui restrukturisasi terhadap the restructuring of cooperative debtors who still have
Debitur yang kooperatif, masih memiliki prospek usaha, business prospects, have the ability to pay, and can still
128 Laporan Tahunan 2023 Annual Report
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memiliki kemampuan bayar dan masih dapat dilakukan take credit rescue actions under the provisions applicable
tindakan penyelamatan kredit sesuai dengan ketentuan to OK BANK. Meanwhile, for uncooperative debtors who
yang berlaku pada OK BANK. Sedangkan untuk Debitur have no business prospects and no longer have the ability
yang tidak kooperatif, tidak memiliki prospek usaha dan to pay, OK BANK will take action to settle credit facilities,
sudah tidak memiliki kemampuan bayar, maka OK BANK either by executing the guarantee through the auction
akan melakukan tindakan penyelesaian fasilitas kredit baik process or legal action (litigation).
dengan cara eksekusi jaminan melalui proses lelang maupun
tindakan penyelesaian melalui jalur hukum (litigasi).
Adapun total kredit bermasalah per tanggal 31 Desember The total non-performing loans as of December 31, 2023,
2023 adalah sebesar Rp315,41 miliar atau naik 46,61% was Rp315.41 billion, or an increase of 46.61% compared to
dibandingkan dengan periode yang sama di tahun 2022 the same period in 2022 of Rp215.13 billion. This increase was
yang sebesar Rp215,13 miliar. Kenaikan ini dikarenakan due to the debtors’ business conditions, which experienced
kondisi usaha Debitur yang mengalami hambatan akibat constraints caused by the weakening demand for services
terjadinya pelemahan permintaan jasa maupun produk and products from debtors because of the decline in
dari debitur karena menurunnya pertumbuhan ekonomi national economic growth and the increase in loan interest
nasional dan akibat adanya kenaikan suku bunga pinjaman. rates.
Untuk mengatasi peningkatan rasio kredit bermasalah To address the increase in the non-performing loan ratio,
tersebut, manajemen terus mengupayakan pengambilan management continues to take the most appropriate
langkah-langkah penyelesaian yang paling tepat untuk resolution measures to minimize further deterioration in
menekan perkembangan yang lebih buruk atas kondisi the condition of the loans.
kredit yang diberikan.
Perbandingan Rasio kredit bermasalah (NPL) per akhir tahun A comparison of the ratio of Non-Performing Loan (NPL) as
2023 dan 2022 disajikan pada tabel berikut: of the end of 2023 and 2022 is presented as follows:
Tabel rasio kredit bermasalah 2022-2023
Table of non-performing loan ratio in 2022-2023
2023 2022
Uraian
Description Porsi Porsi
Nominal Nominal
Portion Portion
Pinjaman kepada Bank 231.803 2.72% 226.950 2,81%
Loan to Bank
Pinjaman kepada Non Bank 8.296.078 97.28% 7.837.173 97,19%
Loan to Non-Bank
Total Kredit 8.527.881 8.064.123
Total Loan
NPL Bruto Bank 0 0.00% 0 0,00%
Gross NPL of the Bank
CKPN (NPL) Bank 0 0
Allowance for Impairment Losses of the Bank
NPL Netto Bank 0 0.00% 0 0,00%
Net NPL of the Bank
NPL Bruto Non Bank 315.414 3.80% 215,134 2,75%
Gross NPL of Non-Bank
CKPN (NPL) Non Bank 124.608 53.573
Allowance for Impairment Losses of Non-Bank
NPL Netto Non Bank 190.806 2.30% 161.561 2,06%
Net NPL Non-Bank
PT Bank Oke Indonesia, Tbk. 129
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
KINERJA PENDANAAN FUNDING PERFORMANCE
OK BANK menyediakan beragam produk simpanan untuk OK BANK provides a variety of deposit products to meet
menjawab kebutuhan nasabah. Produk simpanan tersebut customer needs. These savings products are divided into
terbagi atas Giro, Tabungan dan Deposito. Produk simpanan current accounts, savings, and time deposits. The deposit
tersebut dikelola Bank untuk menjaga tingkat likuiditas product is managed by the Bank to maintain a healthy level
bank yang sehat, sejalan dengan strategi Bank untuk of bank liquidity, in line with the Bank’s strategy to maintain
mempertahankan komposisi pendanaan yang kompetitif a competitive and affordable funding composition.
dan terjangkau.
OK BANK menjamin bahwa seluruh produknya sesuai OK BANK guarantees that all of its products comply with the
dengan peraturan perundang-undangan yang berlaku di prevailing laws and regulations in Indonesia as stipulated
Indonesia sebagaimana ditetapkan oleh Bank Indonesia, by Bank Indonesia, the Financial Services Authority, and
Otoritas Jasa Keuangan dan Lembaga Penjamin Simpanan. the Deposit Insurance Corporation. The Bank strives to
Bank berupaya untuk terus meningkatkan kinerja produk continuously improve the performance of savings products,
simpanan, khususnya untuk memperoleh dana murah particularly to obtain low-cost funds (Current Account
(Current Account Saving Account/CASA) agar dapat Saving Accounts/CASA) in order to support the Bank’s
menunjang ekspansi kredit yang dilakukan Bank. Rincian credit expansion. Details of OK BANK’s funding products
produk-produk pendanaan OK BANK dapat dilihat pada can be seen in the description of the Company Profile.
uraian Profil Perusahaan.
Pada aspek pendanaan ini OK BANK menargetkan terjadinya In this aspect of funding, OK BANK targets an increase
peningkatan portfolio dana pihak ketiga dengan segmen in third-party fund portfolios with individual affluent,
nasabah individual affluent, korporasi, dan institusi finansial corporate, and financial institution customer segments
dengan beban cost of fund yang kompetitif dan terukur. with a competitive and measurable cost of funds.
Beberapa inisiatif strategis yang dijalankan untuk mencapai Several strategic initiatives to achieve this target include:
target tersebut di antaranya adalah:
• Pengembangan produk baru pada tabungan, giro dan • Development of new products in savings, demand
deposito yang memiliki fitur produk yang bersaing deposits, and time deposits that have product features
dengan kompetitor. that compete with competitors.
• Mengembangkan program marketing periode pendek • Developing short-term marketing programs for savings
untuk tabungan dan deposito dengan memberikan and time deposits by providing prizes in the form of
hadiah berupa barang elektronik, voucher belanja, electronic goods, shopping vouchers, travel vouchers,
voucher perjalanan, hingga cashback kepada nasabah and cashback to high-net-worth customers.
high networth.
• Promosi gabungan dengan nasabah debitur maupun • Joint promotions with debtor customers and depositors
deposan untuk melakukan sponsorship dalam bentuk to conduct sponsorship in the form of open booths
open booth dan pameran sebagai bentuk perkenalan and exhibitions as a form of introduction to OK BANK
corporate branding OK BANK Indonesia. Indonesia’s corporate branding.
• Mengadakan event dengan tema keuangan untuk • Holding events with financial themes for certain target
target nasabah tertentu sebagai bagian dari bentuk customers as part of promotion and financial literacy to
promosi dan literasi finansial kepada nasabah. customers.
• Pengembangan pada target supply chain network • Development of target supply chain networks for the
nasabah korporasi existing, khususnya yang memiliki existing corporate customers, specifically those with
koneksi dengan anak perusahaanya connections to its subsidiaries.
130 Laporan Tahunan 2023 Annual Report
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Adapun realisasi sumber pendanaan Bank di tahun 2023 dan The realization of the Bank’s funding sources in 2023 and
2022 adalah sebagai berikut: 2022 are as follows:
Tabel Sumber Pendanaan 2022-2023 Rp Juta
Table of Funding Sources in 2022-2023 Rp Million
Uraian Growth 2023
2023 2022
Description Nominal %
Simpanan Pihak Ketiga 5.975.497 5.350.407 625.090 11,68%
Deposit from Third Parties
Giro 827.980 678.896 149.084 21,96%
Current Accounts
Tabungan 344.914 467.807 (122.893) -26,27%
Savings
Deposito Non Bank 4.802.603 4.203.704 598.899 14,25%
Non-Bank Deposits
Simpanan Pihak Berelasi 94.248 18.205 76.042 417,70%
Deposit from Related Parties
Simpanan dari Bank Lain 744.263 600.082 144.181 24,03%
Deposit from Other Banks
Total Dana Pihak Ketiga 6.814.007 5.968.693 845.314 14,16%
Total Third-Party Funds
Total Pinjaman Pihak Lain 550.000 500.000 50.000 10,00%
Total Borrowing from Other Parties
Total Sumber Pendanaan 7.364.007 6.468.693 895.314 13,84%
Total Funding Sources
DANA PIHAK KETIGA (DPK) THIRD-PARTY FUNDS (TPF)
Dana pihak ketiga (DPK) per 31 Desember 2023 naik sebesar As of December 31, 2023, third-party funds (TPF) increased
14,16%, bertambah sebesar Rp845,31 miliar dibandingkan by 14.16%, an increase of Rp845.31 billion compared to the
posisi 31 Desember 2022. Peningkatan tertinggi secara position on December 31, 2022. The highest increase in
persentase terjadi pada komponen simpanan berelasi percentage terms occurred in the deposits from the related
dengan kenaikan sebesar 417,70%, diikuti komponen parties’ component, with an increase of 417.70%, followed by
Simpanan dari Bank Lain yang naik 24,03% dan Giro dengan the deposits from other banks component, which increased
kenaikan sebesar 21,96%. by 24.03%, and current accounts, with an increase of 21.96%.
Per 31 Desember 2023, total DPK Bank, termasuk pihak As of December 31, 2023, the Bank’s total deposits, including
berelasi, adalah sebesar Rp6,814,00 miliar, yang terdiri dari; those from related parties, were Rp6,814.00 billion,
giro Rp827,98 miliar, tabungan Rp424,86 miliar, deposito consisting of current accounts of Rp827.98 billion, savings
Rp4.816,90 miliar, dan Simpanan dari Bank Lain sebesar of Rp424.86 billion, time deposits of Rp4,816.90 billion, and
Rp744,26 miliar. deposits from other banks of Rp744.26 billion.
Simpanan Nasabah
Customer Deposits
Growth 2023
Uraian
2023 Porsi 2022 Porsi Persentase
Description Nominal
Percentage
Giro 827.984 13,64% 680.452 12,67% 147.532 21,68%
Current Accounts
Tabungan 424.861 7,00% 471.973 8,79% (47.112) -9,98%
Savings
Deposito Berjangka 4.816.900 79,36% 4.216.187 78,53% 600.713 14,25%
Time Deposits
Total Simpanan Nasabah 6.069.745 100,00% 5.368.612 100,00% 701.133 13,06%
Total Customer Deposits
PT Bank Oke Indonesia, Tbk. 131
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
Giro Current Accounts
Salah satu komponen DPK yang paling murah di antara One of the cheapest components of Third-Party Funds
jenis DPK adalah Giro. Tahun 2023, produk Giro mengalami (TPF) is Current Accounts. In 2023, Current Account
pertumbuhan yang baik, yaitu meningkat 21,68% menjadi products experienced good growth, an increase of 21.68%
Rp827,98 miliar dari Rp680,45 miliar di tahun 2022. to Rp827.98 billion from Rp680.45 billion in 2022.
Tabungan Savings
Tahun 2023, kinerja produk Tabungan mengalami penurunan In 2023, the performance of Savings products decreased by
sebesar 9,98% menjadi Rp424,86 miliar dari Rp471,97 miliar 9.98% to Rp424.86 billion from Rp471.97 billion in 2022.
di tahun 2022.
Deposito Deposits
Produk Deposito mengalami pertumbuhan yang cukup baik Deposit products experienced good growth in 2023, an
di tahun 2023, yaitu bertambah sebesar Rp600,71 miliar atau increase of Rp600.71 billion or 14.25%, from Rp4,216.19 billion
naik 14,25%, dari Rp4.216,19 miliar di tahun 2022 menjadi in 2022 to Rp4,816.90 billion in 2023.
Rp4.816,90 miliar di tahun 2023.
Simpanan Pihak Berelasi Related Parties Deposits
Simpanan pihak berelasi adalah simpanan yang berasal Related party deposits are deposits from parties that have
dari pihak-pihak yang mempunyai hubungan keterkaitan a relationship with OK BANK. This relationship occurs due to
dengan OK BANK. Hubungan keterkaitan ini terjadi ownership, management, and financial relationships.
karena adanya hubungan kepemilikan, kepengurusan, dan
hubungan keuangan.
Simpanan dari Bank Lain Deposits from Other Banks
Simpanan dari bank lain yang ada di OK BANK adalah Deposits from other banks in OK BANK are deposits
simpanan yang bersumber dari BPR baik dalam bentuk sourced from BPRs in the form of current accounts, savings,
giro, tabungan, deposito, dan call money. Per 31 Desember deposits, and call money. As of December 31, 2023, total
2023, total simpanan dari bank lain adalah sebesar Rp744,26 deposits from other banks were Rp744.26 billion.
miliar.
132 Laporan Tahunan 2023 Annual Report
Page 135
Tinjauan Keuangan
Financial Review
Pada aspek keuangan, Total aset OK BANK pada akhir tahun
2023 tercatat meningkat 8,76% dari tahun sebelumnya
menjadi sebesar Rp11.075,15 miliar, jumlah liabilitas naik
12,96% menjadi sebesar Rp7.490,67 miliar, dan Laba bersih
tahun berjalan naik 116,89% menjadi sebesar Rp28,65 miliar.
On the financial aspect, OK BANK’s total assets at the end of 2023 were recorded to
have increased by 8.76% from the previous year to Rp11,075.15 billion, total liabilities
increased by 12.96% to Rp7,490.67 billion, and net profit for the year increased by 116.89%
to Rp28.65 billion.
Pembahasan pada bagian ini didasarkan pada laporan The discussion in this section is based on the Bank's
keuangan Bank untuk periode yang berakhir pada 31 financial statements for the period ended December 31,
Desember 2023 yang telah diaudit oleh Kantor Akuntan 2023, which have been audited by the Public Accounting
Publik PKF Hadiwinata dengan pendapat laporan keuangan Firm of PKF Hadiwinata with the opinion that the Bank's
Bank menyajikan secara wajar, dalam semua hal yang financial statements are presented fairly in terms of all
material, posisi keuangan dan hasil usaha serta arus material matters, financial position, results of operations, as
kas untuk tahun 2023 dan 2022, sesuai dengan Standar well as cash flows for 2023 and 2022, in accordance with
Akuntansi Keuangan di Indonesia. Indonesian Financial Accounting Standards.
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
ASET BANK
Rp Juta | Rp Million
BANK’S ASSETS
Uraian Growth 2023
2023 2022
Description Nominal %
Kas 17.164 26.413 (9.250) -35,02%
Cash
Giro pada Bank Indonesia 462.809 406.091 56.718 13,97%
Current Accounts with Bank Indonesia
Giro pada bank lain - bersih 2.730 1.316 1.414 107,48%
Current Accounts with Other Banks - Net
Penempatan pada Bank Indonesia dan bank lain - bersih 549.985 529.377 20.609 3,89%
Placements with Bank Indonesia and Other Banks - Net
PT Bank Oke Indonesia, Tbk. 133
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
ASET BANK
Rp Juta | Rp Million
BANK’S ASSETS
Uraian Growth 2023
2023 2022
Description Nominal %
Efek-efek yang dibeli dengan janji dijual kembali 0 0 - -
Marketable Securities Purchased under Resale Agreement
Efek-efek 1.382.902 921.401 461.501 50,09%
Marketable Securities
Pinjaman yang diberikan 8.527.881 8.064.123 463.759 5,75%
Loans
Aset Tetap - bersih 130.722 114.081 16.641 14,59%
Fixed Assets- Net
Aset tak berwujud - bersih 24.825 31.516 (6.691) -21,23%
Intangible Assets - Net
Aset hak guna - bersih 22.599 15.392 7.208 46,83%
Right of Use Assets - Net
Aset lain-lain 170.854 208.170 (37.316) -17,93%
Other Assets
Total Jumlah Aset 11.075.151 10.183.411 891.740 8,76%
Total Assets
Total aset OK BANK pada akhir tahun 2023 tercatat sebesar The assets of OK BANK at the end of 2023 were recorded
Rp11.075,15 miliar, meningkat 8,76% dari tahun sebelumnya at Rp11,075.15 billion, an increase of 8.76% from the previous
sebesar Rp10.183,41 miliar. Peningkatan Aset Bank year of Rp10,183.41 billion. The increase in the Bank’s
terutama dikontribusikan oleh lebih tingginya persentase assets was mainly contributed by a higher percentage
penambahan saldo penempatan pada Surat Berharga yang of additional placements in Marketable Securities that
naik sebesar Rp461,50 miliar dan adanya penambahan increased by Rp461.50 billion and an additional amount of
jumlah Pinjaman yang Diberikan hingga sebesar Rp463,76 loans of Rp463.76 billion.
miliar.
134 Laporan Tahunan 2023 Annual Report
Page 137
Kas Cash
Jumlah kas OK BANK pada 31 Desember 2023 tercatat Total cash of OK BANK as of December 31, 2023, was
sebesar Rp17,16 miliar, berkurang 35,02% dibandingkan recorded at Rp17.16 billion, a decrease of 35.02% compared
periode yang sama tahun sebelumnya yang sebesar Rp26,41 to the same period in the previous year of Rp26.41 billion.
miliar.
Giro pada Bank Indonesia Current Accounts with Bank Indonesia
Jumlah giro pada Bank Indonesia bertambah Rp56,72 Total current accounts with Bank Indonesia increased by
miliar atau naik 13,97% menjadi senilai Rp462,81 miliar Rp56.72 billion, or 13.97%, to Rp462.81 billion compared to
dibandingkan dengan tahun sebelumnya yang sebesar the previous year’s Rp406.09 billion.
Rp406,09 miliar.
Penempatan pada Bank Indonesia dan Bank Lain Placements with Bank Indonesia and Other Banks
Jumlah penempatan pada Bank Indonesia dan bank lain Total placements with Bank Indonesia and other banks
menjadi Rp549,99 miliar meningkat 3,89% dari tahun were Rp549.99 billion, an increase of 3.89% from the
sebelumnya, sebesar Rp529,38 miliar. previous year of Rp529.38 billion.
Efek-Efek Marketable Securities
Jumlah efek-efek yang dimiliki OK BANK pada akhir tahun Total marketable securities owned by OK BANK at the end
2023 tercatat sebesar Rp1.382,90 miliar, meningkat Rp461,50 of 2023 were recorded at Rp1,382.90 billion, an increase
miliar atau 50,09% dari tahun sebelumnya Rp921,40 miliar. of Rp461.50 billion, or 50.09%, from the previous year’s
Rp921.40 billion.
Bank tidak melakukan penempatan pada efek efek yang The Bank did not place any marketable securities purchased
dibeli dengan janji dijual kembali. Manajemen bank selalu under resale agreements. The Bank’s management always
berupaya mengelola penyaluran dana secara optimal yang strives to manage the distribution of funds optimally,
disesuaikan dengan kondisi likuidas bank adjusted to the liquidity conditions of the Bank.
Pinjaman yang Diberikan Loans
Untuk mencapai target kredit yang telah ditetapkan Bank The Bank continues to adhere to the prudential principle
tetap berpegang pada prinsip kehati-hatian demi menjaga in order to maintain the Bank’s quality and achieve the
kualitas Bank. Bank juga terus-menerus mengupayakan loan targets that have been set. The Bank also continues to
normalisasi kredit-kredit restruktur sekaligus menyiapkan work on normalizing restructured loans as well as preparing
pencadangan untuk debitur-debitur dengan kategori reserves for debtors with high-risk categories as part of its
berisiko tinggi, sebagai komitmen Bank untuk menjaga commitment to maintaining the quality of its loan portfolio.
kualitas portfolio kredit yang dimiliki.
Ditengah situasi perekonomian yang mengalami In the middle of an uncertain economic situation in 2023, OK
ketidakpastian di tahun 2023, jumlah pinjaman yang BANK’s total loans as of December 31, 2023, were recorded
diberikan OK BANK per 31 Desember 2023 tercatat tetap to continue increasing by 5.75%, or an increase of 463.76
mengalami pertumbuhan sebesar 5,75%, atau bertambah billion, reaching a value of Rp8,527.88 billion. The previous
sebesar 463,76 miliar, mencapai nilai sebesar Rp8.527,88 year’s figure was Rp8,064.12 billion.
miliar. Angka tahun sebelumnya adalah sebesar Rp8.064,12
miliar.
Aset Tetap Fixed Assets
Jumlah aset tetap OK BANK tahun 2023 mencatatkan Total fixed assets of OK BANK in 2023 recorded an addition
penambahan sebesar Rp16,64 miliar atau naik 14,59% of Rp16.64 billion, or an increase of 14.59%, to Rp130.72
menjadi Rp130,72 miliar dibandingkan tahun sebelumnya billion compared to the previous year’s Rp114.08 billion.
yang sebesar Rp114,08 miliar.
PT Bank Oke Indonesia, Tbk. 135
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
LIABILITAS LIABILITIES
Tabel Liabilitas 2022-2023
Rp Juta | Rp Million
Table of Liabilities in 2022-2023
Uraian Growth 2023
2023 2022
Description Nominal %
Liabilitas segera 57,420 80,974 (23,555) -29,09%
Liabilities Immediately Payable
Simpanan nasabah 6,069,745 5,368,612 701,133 13,06%
Deposits from Customers
Simpanan dari bank lain 744,263 600,082 144,181 24,03%
Deposits from Other Banks
Pinjaman yang Diterima 550,000 500,000 50,000 10,00%
Borrowings
Utang Pajak 11,220 14,327 (3,107) -21,69%
Taxes Payable
Liabilitas Imbalan Pasca Kerja 15,194 14,308 886 6,19%
Post-Employment Benefit Liabilities
Pendapatan Diterima Dimuka 0 36 (36) -100,00%
Unearned Revenue
Liabilitas Sewa 9,845 9,265 580 6,26%
Lease Liabilities
Liabilitas Pajak Tangguhan - Bersih 11,176 10,168 1,008 9,92%
Deferred Tax Liabilities - Net
Liabilitas lain-lain 21,804 33,280 (11,476) -34,48%
Other Liabilities
Total Liabilitas 7,490,666 6,631,052 859,614 12,96%
Total Liabilities
Jumlah liabilitas OK BANK per 31 Desember 2023 tercatat Total liabilities of OK BANK as of December 31, 2023, were
sebesar Rp7.490,67 miliar, bertambah Rp859,61 miliar recorded at Rp7,490.67 billion, an increase of Rp859.61
atau naik 12,96% dibandingkan periode yang sama tahun billion, or 12.96%, compared to the same period in the
sebelumnya yang sebesar Rp6.631,05 miliar. Peningkatan previous year of Rp6,631.05 billion. The increase was mainly
terutama dikontribusikan oleh bertambahnya saldo contributed by an increase in the balance of deposits from
simpanan dari nasabah sebesar Rp701,13 miliar. customers of Rp701.13 billion.
Liabilitas Segera Liabilities Immediately Payable
Jumlah liabilitas segera OK BANK pada akhir tahun Total liabilities immediately payable of OK BANK at the
2023 tercatat sebesar Rp57,42 miliar, berkurang 29,09% end of 2023 were recorded at Rp57.42 billion, a decrease
dibandingkan tahun sebelumnya yang sebesar Rp80,97 of 29.09% compared to the previous year of Rp80.97 billion.
miliar.
Simpanan dari Nasabah Deposits from Customers
Tahun 2023, saldo jumlah simpanan dari nasabah meningkat In 2023, the balance of total deposits from customers
13,06% menjadi senilai Rp6.069,75 miliar dari Rp5.368,61 increased by 13.06% to Rp6,069.75 billion from Rp5,368.61
miliar di tahun 2022. billion in 2022.
Simpanan dari Bank Lain Deposits from Other Banks
Jumlah simpanan dari bank lain mencatatkan pertumbuhan Total deposits from other banks recorded an increase of
24,03% di tahun 2023, yaitu dari senilai Rp600,08 miliar di 24.03% in 2023, from Rp600.08 billion in 2022 to Rp744.26
tahun 2022 menjadi sebesar Rp744,26 miliar di tahun 2023. billion in 2023.
136 Laporan Tahunan 2023 Annual Report
Page 139
Pinjaman yang Diterima Borrowings
Di tahun 2023 Bank melanjutkan kerjasama pinjaman In 2023, the Bank continued the loan cooperation with
dengan Bank lain yang dirintis sejak tahun 2022. Hasilnya other banks that was initiated in 2022. The result shows
menunjukkan total pinjaman yang diterima oleh Bank di that the total borrowings by the Bank at the end of 2023
akhir tahun 2023 adalah sebesar Rp550 miliar, naik 10% was Rp550 billion, an increase of 10% from Rp500 billion
dari tahun 2022 yang sebesar Rp500,00 miliar. Langkah ini in 2022. This measure is sustained to maintain the Bank’s
dipertahankan dalam rangka menjaga likuiditas Bank seiring liquidity in line with projected loan growth.
dengan proyeksi pertumbuhan kredit.
EKUITAS EQUITY
Tabel Ekuitas 2022-2023
Rp Juta | Rp Million
Table of Equity in 2022-2023
Uraian Growth 2023
2023 2022
Description Nominal %
Modal Saham ditempatkan dan disetor penuh 1.703.779 1.703.779 - 0,00%
Issued and fully paid share capital
Saham treasuri (55.201) (55.201) (0) 0,00%
Treasury Stock
Tambahan modal disetor 1.633.486 1.633.486 - 0,00%
Additional Paid-in Capital
Surplus revaluasi aset tetap 85.480 85.034 446 0,52%
Fixed Asset Revaluation Surplus
Kerugian pengukuran kembali program manfaat pasti (2.996) (3.129) 133 -4,25%
Losses Remeasurement of Defined Benefit Pension Plans
Saldo Laba
Retained Earnings
Telah ditentukan penggunaannya 31.756 29.114 2.642 9,07%
Appropriated Retained Earnings
Belum ditentukan penggunaannya 188.182 159.277 28.905 18,15%
Unappropriated Retained Earnings
Jumlah Ekuitas 3.584.486 3.552.360 32.126 0,90%
Total Equity
Jumlah ekuitas OK BANK pada akhir tahun 2023 tercatat Total equity of OK BANK at the end of 2023 was booked
sebesar Rp3.584,49 miliar, bertambah Rp32,13 miliar atau at Rp3,584.49 billion, an increase of Rp32.13 billion or 0.90%
naik 0,90% dari tahun sebelumnya yang sebesar Rp3.552,36 from the previous year of Rp3,552.36 billion. The increase
miliar. Peningkatan jumlah ekuitas tersebut dikontribusikan in total equity was contributed by the addition of retained
oleh adanya penambahan saldo laba total sebesar Rp31,55 earnings of Rp31.55 billion.
miliar.
LABA RUGI DAN PENGHASILAN KOMPREHENSIF PROFIT OR LOSS AND OTHER COMPREHENSIVE
LAIN INCOME
Tabel Laba Rugi 2022-2023
Rp Juta | Rp Million
Table of Profit or Loss in 2022-2023
Uraian Growth 2023
2023 2022
Description Nominal %
Pendapatan bunga 1.000.383 701.981 298.402 42,51%
Interest Income
Beban bunga (397.023) (234.939) (162.084) 68,99%
Interest Expense
Pendapatan Bunga Bersih 603.360 467.042 136.318 29,19%
Interest Income - Net
PT Bank Oke Indonesia, Tbk. 137
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
Tabel Laba Rugi 2022-2023
Rp Juta | Rp Million
Table of Profit or Loss in 2022-2023
Uraian Growth 2023
2023 2022
Description Nominal %
Pendapatan Operasional lainnya 16.949 10.436 6.513 62,40%
Other Operating Income
Beban operasional lainnya
Other Operating Expenses
Tenaga Kerja (128.756) (108.974) (19.782) 18,15%
Personnel
Umum dan Administrasi (176.023) (176.240) 217 -0,12%
General and Administrative
Penyisihan kerugian penurunan nilai atas aset keuangan (268.130) (156.757) (111.373) 71,05%
Allowance for Impairment Losses on Financial Assets
Lainnya (10.231) (16.050) 5.819 -36,25%
Others
Jumlah Beban Operasional lainnya - Bersih (583.140) (458.021) (125.120) 27,32%
Total Other Operating Expenses
Laba Operasional 37.169 19.458 17.711 91,02%
Operating Income
Pendapatan (Beban) Non Operasional
Non-Operating Income (Expenses)
Pendapatan Non Operasional 93 490 (398) -81,13%
Non-Operating Income
Beban Non Operasional (190) (662) 472 -71,31%
Non-Operating Expenses
Jumlah Pendapatan non operasional - Bersih (97) (172) 74 -43,27%
Total Non-Operating Income
Laba (Rugi) sebelum beban pajak penghasilan 37.072 19.286 17.786 92,22%
Income (Loss) Before Income Tax Expenses
Beban pajak penghasilan badan (8.420) (6.076) (2.344) 38,58%
Income Tax Expense
Laba (Rugi) bersih tahun berjalan 28.652 13.210 15.442 116,89%
Laba (Rugi) bersih tahun berjalan
Jumlah Penghasilan (Beban) komprehensif - bersih 3.474 1.185 2.289 193,11%
Jumlah Penghasilan (Beban) komprehensif - bersih
Jumlah laba komprehensif 32.126 14.395 17.730 123,17%
Total Comprehensive Profit
Laba per Saham Dasar (Rupiah penuh) 1,68 0,93 0,75 80,82%
Basic Earnings (Loss) per Share
Pendapatan Bunga Interest Income
Tahun 2023, OK BANK membukukan pendapatan bunga In 2023, OK BANK booked interest income at Rp1,000.38
sebesar Rp1.000,38 miliar, meningkat 42,51% atau bertambah billion, an increase of 42.51%, or Rp298.40 billion, compared
Rp298,40 miliar dibandingkan tahun sebelumnya yang to the previous year’s Rp701.98 billion. The increase in
sebesar Rp701,98 miliar. Peningkatan pendapatan bunga interest income was mainly contributed by an increase
tersebut utamanya dikontribusikan oleh kenaikan bunga in interest on loans, which increased to Rp888.99 billion
kredit yang diberikan, yang bertumbuh menjadi sebesar in 2023 from Rp624.72 billion in 2022. In addition, interest
Rp888,99 miliar di tahun 2023 dari Rp624,72 miliar di tahun income from marketable securities also increased to
2022. Selain itu, dikontribusikan oleh kenaikan pendapatan Rp89.62 billion from Rp55.61 billion in 2022.
bunga dari efek-efek yang juga meningkat menjadi sebesar
Rp89,62 miliar dari Rp55,61 miliar di tahun 2022.
138 Laporan Tahunan 2023 Annual Report
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Beban Bunga Interest Expense
Jumlah beban bunga OK BANK tahun 2023 juga mencatatkan Total interest expense of OK BANK in 2023 also recorded
pertumbuhan, namun dengan nilai penambahan yang lebih an increase, however, with a smaller addition value than
kecil dari penambahan pendapatan bunga. Total beban the addition of interest income. OK BANK’s total interest
bunga OK BANK di tahun 2023 adalah sebesar Rp397,02 expense in 2023 was Rp397.02 billion, an increase of 68.99%
miliar, meningkat 68,99% dari tahun 2022 yang sebesar from Rp234.94 billion in 2022. The increase in interest
Rp234,94 miliar. Peningkatan beban bunga tersebut expense was mainly contributed by the increase in interest
utamanya dikontribusikan oleh naiknya beban bunga untuk expense for time deposit products, which increased from
produk deposito berjangka yang bertambah dari Rp180,19 Rp180.19 billion in 2022 to Rp288.56 billion in 2023.
miliar di tahun 2022 menjadi sebesar Rp288,56 miliar di
tahun 2023.
Pendapatan Bunga Bersih Net Interest Income
Seiring dengan pertambahan nilai pendapatan bunga yang As the increase in interest income was higher than the
lebih tinggi dibandingkan peningkatan beban bunga, nila increase in interest expense, OK BANK’s net interest
pendapatan bunga bersih OK BANK tahun 2023 meningkat income in 2023 increased by 29.19% to Rp603.36 billion from
29,19% menjadi sebesar Rp603,36 miliar dari senilai Rp467,04 Rp467.04 billion in 2023.
miliar di tahun 2023.
Pendapatan Operasional Lainnya Other Operating Income
Pada tahun 2023, OK BANK membukukan pendapatan In 2023, OK BANK booked other operating income of
operasional lainnya sebesar Rp16,95 miliar, naik 62,40% Rp16.95 billion, an increase of 62.40% compared to the
dibandingkan tahun sebelumnya yang sebesar Rp10,44 previous year of Rp10.44 billion. It was due to the income
miliar. Penyebabnya adalah oleh adanya pendapatan yang received from the recovery of write-offs amounting to
diterima dari recovery hapus buku sebesar Rp6,04 miliar Rp6.04 billion in 2022.
pada tahun 2022.
Beban Operasional Lainnya Other Operating Expenses
Jumlah beban operasional lainnya mencatatkan Total other operating expenses recorded an increase of
pertumbuhan 27,32% di tahun 2023, menjadi sebesar 27.32% in 2023, to Rp583.14 billion from Rp458.02 billion
Rp583,14 miliar dari senilai Rp458,02 miliar di tahun 2022. in 2022. The increase was mainly contributed by a higher
Peningkatan tersebut utamanya dikontribusikan lebih percentage increase in the allowance for impairment losses
tingginya persentase kenaikan beban penyisihan kerugian on financial assets, which increased by 71.05% to Rp268.13
penurunan nilai atas aset keuangan, yang naik hingga billion compared to the previous period of Rp156.76 billion.
71,05% menjadi sebesar Rp268,13 miliar dibandingkan
periode sebelumnya yang sebesar Rp156,76 miliar.
Kenaikan beban penyisihan kerugian penurunan nilai The increase in the allowance for impairment losses on
atas aset keuangan, lebih merupakan wujud kehati- financial assets was more a manifestation of the prudence
hatian manajemen OK BANK dalam menilai kondisi pasar of OK BANK’s management in assessing the condition of
keuangan Nasional yang tertekan oleh naiknya suku bunga the national financial market, which was pressured by the
rujukan disaat terjadinya agregat penurunan pertumbuhan increase in interest rate benchmarks during the aggregate
ekonomi. decline in economic growth.
Laba/Rugi Operasional Operating Profit/Loss
Pada tahun 2023, OK BANK berhasil membukukan laba In 2023, OK BANK managed to book an operating profit
operasional sebesar Rp37,17 miliar, meningkat hingga of Rp37.17 billion, an increase of 91.02% from the previous
91,02 % dari tahun sebelumnya yang senilai Rp19,46 miliar. year’s Rp19.46 billion. The increase was due to the higher
Peningkatan tersebut disebabkan lebih tingginya nilai value of additional net interest compared to the value of
penambahan bunga bersih dibandingkan nilai penambahan additional operating expenses compared to the previous
beban operasional dibandingkan tahun sebelumnya. year.
Pendapatan (Beban) Non Operasional Non-Operating Income (Expenses)
OK BANK membukukan beban non-operasional bersih OK Bank booked net non-operating expenses of Rp97
sebesar Rp97 juta di tahun 2023, menurun 43,27% million in 2023, a decrease of 43.27% compared to the
dibandingkan tahun sebelumnya yang sebesar Rp172 juta. previous year’s Rp172 million.
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Laba Sebelum Pajak Penghasilan Profit before Income Tax
Laba sebelum pajak per 31 Desember 2023 adalah sebesar Profit before tax as of December 31, 2023, was Rp37.07
Rp37,07 miliar, meningkat 92,22% dibandingkan dengan billion, an increase of 92.22% compared to OK BANK’s profit
posisi laba sebelum pajak OK BANK per 31 Desember 2022 before tax position as of December 31, 2022, of Rp19.29
yang sebesar Rp19,29 miliar. billion.
Laba Bersih Net Profit
Setelah dikurangkan beban pajak penghasilan badan senilai After deducting corporate income tax expenses of Rp8.42
Rp8,42 miliar untuk tahun 2023, OK BANK mencatatkan laba billion for 2023, OK BANK recorded a net profit of Rp28.65
bersih sebesar Rp28,65 miliar, meningkat hingga 116,89% dari billion, an increase of 116.89% from the previous year’s
tahun sebelumnya yang sebesar Rp13,21 miliar. Rp13.21 billion.
Penghasilan Komprehensif Lain Other Comprehensive Income
OK BANK mencatatkan penghasilan komprehensif lain- OK Bank recorded other comprehensive income - net of
bersih, sebesar Rp3,47 miliar di tahun 2023 dibandingkan Rp3.47 billion in 2023 compared to the previous year, an
dengan tahun sebelumnya meningkat 193,11% dimana OK increase of 193.11% where OK BANK recorded net other
BANK membukukan penghasilan komprehensif lain-bersih comprehensive income of Rp1.18 billion. It was mainly
sebesar Rp1,18 miliar. Hal tersebut terutama dikontribusikan contributed by the surplus on the revaluation of fixed
oleh adanya surplus revaluasi aset tetap dengan nilai sebesar assets of Rp3.34 billion.
Rp3,34 miliar.
Laba Komprehensif Comprehensive Profit
Dengan adanya penambahan penghasilan komprehensif With this additional comprehensive income, OK BANK
tersebut, OK BANK mencatatkan Laba Komprehensif tahun recorded a Comprehensive Profit of Rp32.13 billion in 2023,
2023 sebesar Rp32,13 miliar, meningkat hingga 123,17% dari an increase of 123.17% from the previous year’s Rp14.40
tahun sebelumnya yang sebesar Rp14,40 miliar. billion.
Laba per Saham Dasar Basic Earnings per Share
Adapun nilai laba per saham dasar OK BANK di tahun 2023 OK Bank’s basic earnings per share in 2023 was Rp1.68, an
adalah sebesar Rp1,68 meningkat dari tahun sebelumnya increase from the previous year’s Rp0.93.
yang sebesar Rp0,93.
LAPORAN ARUS KAS CASH FLOW STATEMENT
Tabel Arus Kas 2022-2023
Rp Juta | Rp Million
Table of Cash Flow in 2022-2023
Uraian Growth 2023
2023 2022
Description Nominal %
Arus kas dari aktivitas operasi 529.668 (983.730) 1.513.398 -153,84%
Cash Flow from Operating Activities
Arus kas dari aktivitas investasi (496.831) (466.835) (29.996) 6,43%
Cash Flow from Investing Activities
Arus kas dari aktivitas pembiayaan 37.846 990.349 (952.503) -96,18%
Cash Flow from Financing Activities
Kenaikan (penurunan) bersih kas dan setara kas 70.683 (460.216) 530.899 -115,36%
Net Increase (Decrease) in Cash and Cash Equivalent
Kas dan setara kas pada awal tahun 962.020 1.422.236 (460.216) -32,36%
Cash and Cash Equivalent at Beginning of Year
Kas dan setara kas pada akhir tahun 1.032.703 962.020 70.683 7,35%
Cash and Cash Equivalent at End of Year
Jumlah kas dan setara kas OK BANK pada akhir tahun Total cash and cash equivalents of OK BANK at the end of
2023 tercatat sebesar Rp1.032,70 miliar, meningkat 7,35% 2023 were recorded at Rp1,032.70 billion, an increase of 7.35%
dibandingkan dengan posisi kas dan setara kas pada awal tahun compared to the position of cash and cash equivalents at the
yang tercatat sebesar Rp962,00 miliar. Peningkatan tersebut beginning of the year recorded at Rp962.00 billion. The increase
utamanya berasal dari penerimaan kas dari aktivitas operasi. mainly came from cash receipts from operating activities.
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Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Arus kas masuk dari aktivitas operasi di tahun 2023 tercatat Cash inflow from operating activities in 2023 was recorded
sebesar Rp529,67 miliar dibandingkan dengan arus kas at Rp529.67 billion, compared to cash outflow from
keluar dari aktivitas operasi di tahun sebelumnya yang operating activities in the previous year of Rp983.69 billion.
sebesar Rp983,69 miliar. Arus kas masuk diperoleh dari Cash inflows were obtained from receipts of interest, fees,
penerimaan bunga, provisi dan komisi serta, penerimaan and commissions, as well as other operating receipts and
operasional lainnya serta adanya penambahan simpanan additional deposits. Meanwhile, cash outflows were mainly
deposito. Sedangkan arus kas keluar utamanya digunakan used to pay interest, fees and commissions, salaries, and
untuk pembayaran bunga, provisi dan komisi, untuk employee benefits, as well as general and administrative
membayar gaji dan imbalan kerja serta untuk pembayaran expenses.
beban umum dan administrasi.
Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Arus kas bersih yang digunakan untuk aktivitas investasi Net cash flows used in investing activities were booked
tercatat sebesar Rp496,83 miliar meningkat 6,43% at Rp496.83 billion, an increase of 6.43% compared to the
dibandingkan tahun sebelumnya yang sebesar Rp466,84 previous year at Rp466.84 billion. Cash inflows in investing
miliar. Arus kas masuk pada aktivitas Investasi terutama activities mainly came from selling marketable securities,
berasal dari penjualan surat berharga, sedangkan arus kas while cash outflows were mainly used to purchase
keluar terutama digunakan untuk pembelian surat berharga marketable securities and fixed assets.
dan pembelian aset tetap.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Arus kas bersih yang diperoleh dari aktivitas pendanaan Net cash flows provided by financing activities were Rp37.85
adalah sebesar Rp37,85 miliar menurun hingga 96,18% billion, a decrease of 96.18% compared to the previous year
dibandingkan tahun sebelumnya sebesar Rp990,35 of Rp990.35 billion. Cash inflows in financing activities came
miliar. Kas masuk pada aktivitas pendanaan berasal dari from the receipt of loans amounting to Rp50 billion.
penerimaan pinjaman sebesar Rp50 miliar.
RASIO KEUANGAN FINANCIAL RATIO
Tabel Rasio Keuangan 2022-2023
Table of Financial Ratios in 2022-2023
Uraian Growth 2023
2023 2022
Description Nominal
PERMODALAN | CAPITAL
Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) 49,22 47,67 1,54
Capital Adequacy Ratio (CAR)
Rasio Tier 1 48,14 46,68 1,45
Tier 1 Ratio
Rasio Tier 2 1,09 0,99 0,10
Tier 2 Ratio
Aset Tetap terhadap Modal 3,65 3,21 0,44
Fixed Assets to Capital
KUALITAS ASET | ASSETS QUALITY
Aset Produktif Bermasalah dan Aset Non Produktif Bermasalah terhadap 3,16 2,64 0,52
Total Aset Produktif dan Aset Non Produktif
Non-Performing Earning Assets and Non-Earning Assets to Total Earning
Assets and Non-Earning Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif 2,89 2,17 0,72
Non-Performing Earning Assets to Total Earning Assets
Rasio Pinjaman Bermasalah (Non-Performing Loan - NPL Ratio) – Bruto 3,80 2,75 1,05
Non-Performing Loan (NPL) Ratio - Gross
Rasio Kredit Bermasalah (Non-Performing Loan - NPL Ratio) – Neto 2,30 2,06 0,24
Non-Performing Loan (NPL) Ratio - Net
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Tabel Rasio Keuangan 2022-2023
Table of Financial Ratios in 2022-2023
Uraian Growth 2023
2023 2022
Description Nominal
Cadangan Kerugian Penurunan Nilai (CKPN) terhadap Aset Produktif 1,99 1,36 0,63
Allowance for Impairment Losses to Earning Assets
Rasio Penurunan Nilai Kredit (Impairment Ratio) 2,55 1,67 0,88
Impairment Ratio
RENTABILITAS | RENTABILITY
Return on Asset (ROA) 0,35 0,22 0,13
Return on Equity (ROE) 0,46 0,41 0,05
Margin Bunga Bersih (NIM) 5,87 5,68 0,19
Net Interest Margin (NIM)
Beban terhadap Pendapatan (CIR) 51,88 66,53 (14,65)
Cost to Income Ratio (CIR)
Biaya Operasional terhadap Pendapatan Operasional (BOPO) 96,35 97,28 (0,93)
Operating Expense to Operating Income (BOPO)
LIKUIDITAS | LIQUIDITY
Pinjaman yang Diberikan terhadap Simpanan dari Nasabah (LDR) 136,73 146,06 (9,33)
Loan to Deposit Ratio (LDR)
NSFR (Net Stable Funding Ratio) 121,65 117,28 4,37
Liquidity Coverage Ratio (LCR) 161,45 154,85 6,60
Rasio Dana Murah (CASA) 20,64 21,47 (0,83)
Current Account Saving Account (CASA) Ratio
KEPATUHAN | COMPLIANCE
Giro Wajib Minimum (GWM) | Statutory Reserve (GWM)
GWM Utama Rupiah | Rupiah Main GWM
Primer 7,19 7,47 (0,28)
Primary
Penyangga Likuiditas Makropudensial (PLM) 23,06 16,65 6,41
Macroprudential Liquidity Buffer (PLM)
Rasio Kecukupan Modal Capital Adequacy Ratio
Kewajiban Penyediaan Modal Minimum (KPMM) yang The Capital Adequacy Ratio (CAR) set by Bank Indonesia to
ditetapkan Bank Indonesia sampai saat ini adalah 9,00%. date is 9.00%. This ratio is derived from the ratio of total
Rasio ini diperoleh dari perbandingan antara jumlah modal tier-1 and tier-2 capital to total Risk Weighted Assets (RWA)
Tier-1 dan Tier-2 terhadap jumlah total Aset Tertimbang for loan, operational, and market risks. As of December 31,
Menurut Risiko (ATMR) untuk risiko kredit, operasional dan 2023, the Tier-1 and Tier-2 capital of OK BANK amounted
pasar. Per 31 Desember 2023 jumlah modal Tier-1 dan Tier- to Rp3,584.35 billion, while the total Risk-Weighted Assets
2 OK BANK adalah sebesar Rp3.584,35 miliar, sedangkan (RWA) was Rp7,281.73 billion. Thus, the Company’s capital
jumlah Aset Tertimbang Menurut Risiko (ATMR) adalah adequacy ratio as of the end of 2023 was 49.22%.
sebesar Rp7.281,73 miliar, sehingga rasio kecukupan modal
Perseroan per akhir tahun 2023 adalah 49,22%.
Imbal Hasil Aset (ROA) Return on Asset (ROA)
ROA pada tahun 2023 meningkat menjadi 0,35% dari In 2023, ROA increased to 0.35% from 0.22% due to the
sebelumnya 0,22% karena Bank mencatatkan keuntungan Bank recording higher profit in 2023 compared to 2022.
yang lebih tinggi di tahun 2023 dibandingkan tahun 2022.
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Imbal Hasil Ekuitas (ROE) Return on Equity (ROE)
Realisasi ROE pada tahun 2023 meningkat menjadi 0,46% The realization of ROE in 2023 increased to 0.46% from
daripada rasio tahun sebelumnya yang sebesar 0,41%, the previous year’s ratio of 0.41%. It was due to the Bank
disebabkan karena Bank mencatatkan keuntungan lebih recording greater profits in 2023 compared to 2022.
besar pada tahun 2023 dibandingkan tahun 2022.
Margin Pendapatan Bunga Bersih Net Interest Income Margin
Realisasi NIM tahun 2023 tercatat sebesar 5,87% atau lebih The realization of NIM in 2023 was recorded at 5.87% or
besar 0,19% dari tahun sebelumnya yang sebesar 5,68%. 0.19% higher than the previous year of 5.68%. It was due
Hal ini disebabkan oleh lebih tingginya pendapatan bunga to higher net interest income of Rp603.36 billion in 2023
bersih pada tahun 2023 Rp603,36 miliar dibandingkan compared to Rp467.04 billion in 2022.
dengan Rp467,04 miliar pada tahun 2022.
Rasio Kredit terhadap Pendanaan Loan to Funding Ratio
Realisasi LFR tahun 2023 tercatat sebesar 136,73% atau The realization of LFR in 2023 was recorded at 136.73% or
menurun 9,33% dari tahun sebelumnya yang sebesar decreased by 9.33% from the previous year of 146.06%.
146,06%. Hal ini disebabkan oleh lebih rendahnya It was due to the lower increase in loans compared to
pertumbuhan kredit yang diberikan dibandingan dengan deposits in 2023.
simpanan dana pada tahun 2023.
Rasio BOPO BOPO Ratio
Realisasi BOPO tahun 2023 tercatat sebesar 96,35% atau The realization of BOPO in 2023 was recorded at 96.35%
menurun 0,93% dari tahun sebelumnya yang sebesar or decreased by 0.93% from the previous year of 97.28%.
97,28%. Disebabkan oleh lebih rendahnya kenaikan beban It was due to the lower increase in operating expenses
operasional pada tahun 2023 dibandingkan penghasilan compared to operating income in 2023.
operasional.
Rasio NPL NPL Ratio
Realisasi NPL Gross tahun 2023 tercatat sebesar 3,80% atau The realization of Gross NPL in 2023 was recorded at 3.80%
lebih tinggi 1,05% dari tahun sebelumnya sebesar 2,75%. or 1.05% higher than the previous year of 2.75%.
Kemampuan Membayar Utang Ability to Pay Debt
Kemampuan OK BANK untuk membayar utang dapat dilihat OK Bank’s ability to pay debts can be seen from the liquidity
dari rasio likuiditas dan rasio solvabilitas. Kedua rasio ini and solvency ratios. These two ratios serve as a measure of
digunakan sebagai alat ukur kemampuan perusahaan untuk the company’s ability to meet obligations, both short-term
memenuhi kewajiban-kewajibannya, baik kewajiban jangka and long-term.
pendek maupun kewajiban jangka panjang.
• Likuiditas • Liquidity
Direpresentasikan oleh besaran Rasio Kredit terhadap Represented by the Loan to Deposit Ratio. The Bank
Simpanan. Bank senantiasa memperhatikan tingkat always pays attention to the level of liquidity by
likuiditas dengan memperhatikan rasio kredit terhadap considering the ratio of loans to third-party funds. On
DPK. Di sisi lain, Bank senantiasa mempertimbangkan the other hand, the Bank always considers the sufficient
besarnya rasio permodalan Perseroan yang cukup amount of the Company’s capital ratio. The LFR ratio as
memadai. Rasio LFR per akhir tahun 2023 adalah sebesar of the end of 2023 was 136.73%, a decrease from 2022 of
136,73% menurun dari tahun 2022 yang sebesar 146,06%. 146.06%.
• Solvabilitas • Solvency
Sepanjang periode pelaporan, Perseroan telah Throughout the reporting period, the Company has
mematuhi semua persyaratan permodalan yang complied with all capital requirements set by the
ditetapkan regulator. Kewajiban Penyediaan Modal regulator. By taking into account the credit, operational,
Minimum (KPMM) Perseroan dengan memperhitungkan and market risks, the Company’s Capital Adequacy
risiko kredit, operasional dan pasar pada 2023 adalah Ratio (CAR) in 2023 was 49.22%, an increase from its
sebesar 49,22%, naik dari posisinya di tahun 2022 yang position in 2022 of 47.67%.
sebesar 47,67%.
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Untuk Aset Tertimbang Menurut Risiko (ATMR) untuk Risk Weighted Assets (RWA) for credit, market, and
risiko kredit, pasar dan operasional pada 31 Desember 2023 operational risks as of December 31, 2023, was Rp7,281.73
adalah sebesar Rp7.281,73 miliar menurun sebesar Rp139,46 billion, a decrease of Rp139.46 billion compared to its
miliar dibandingkan dengan posisinya di tahun 2022 yang position in 2022 of Rp7,421.20 billion.
sebesar Rp7.421,20 miliar.
KEBIJAKAN STRUKTUR MODAL CAPITAL STRUCTURE POLICY
Kebijakan struktur permodalan ditetapkan dengan tujuan The capital structure policy is determined with the aim
untuk memastikan bahwa OK BANK memiliki modal of ensuring that OK BANK has strong capital to support
yang kuat untuk mendukung strategi pengembangan business development strategies and business expansion, as
bisnis dan ekspansi usaha serta mempertahankan well as to maintain the continuity of business development
kelangsungan pengembangan bisnis di kemudian hari. in the future. In addition, the capital policy is determined
Di samping itu, kebijakan permodalan ditetapkan guna to comply with regulations on capital adequacy set by
memenuhi peraturan mengenai kecukupan permodalan regulators and to ensure that the Bank’s capital structure
yang ditetapkan oleh regulator serta memastikan bahwa is efficient. OK BANK prepares a capital plan based on
struktur permodalan Bank telah efisien. OK BANK menyusun the need for capital adequacy, as required. The capital
rencana permodalan berdasarkan kebutuhan kecukupan plan is prepared by the Board of Directors as part of the
permodalan sebagaimana yang dipersyaratkan. Rencana Bank’s Business Plan and then approved by the Board of
permodalan tersebut disusun oleh Direksi sebagai bagian Commissioners.
dari Rencana Bisnis Bank untuk kemudian disetujui oleh
Dewan Komisaris.
Berdasarkan ketentuan kelompok bank berdasarkan modal Based on the provisions of the bank group based on core
inti (KBMI), OK BANK masuk dalam KBMI 1, yaitu bank capital (KBMI), OK BANK is included in KBMI 1, namely
dengan modal inti di bawah Rp6 triliun. Untuk itu, bank banks with core capital below Rp6 trillion. For this reason,
berupaya untuk menambah modal inti yang terencana the Bank seeks to increase its planned core capital with
dengan estimasi yang akurat. accurate estimates.
Rincian Struktur Modal Capital Structure Details
Sesuai dengan Peraturan Bank Indonesia, modal Bank In accordance with Bank Indonesia Regulations, the Bank’s
terdiri dari: capital consists of:
• Modal Inti • Core Capital
Modal inti merupakan modal bank yang terdiri dari Core capital is bank capital consisting of Main Core
Modal Inti Utama (Common Equity Tier - CET 1) dan Capital (Common Equity Tier - CET 1) and Additional
Modal Inti Tambahan (Additional Tier 1). Modal inti utama Core Capital (Additional Tier 1). The main core capital
mencakup modal disetor dan cadangan tambahan includes paid-up capital and additional capital reserves
modal (disclose reserve). Cadangan tambahan modal (disclose reserve). The additional capital reserves
terdiri atas faktor penambah (agio, cadangan umum, consist of additional factors (agio, general reserves,
laba tahun lalu, laba tahun berjalan, dan opsi saham) last year’s profit, current year’s profit, and stock
dan faktor pengurang (kerugian komprehensif lainnya options) and deduction factors (other comprehensive
dari transaksi aset keuangan yang diklasifikasikan losses from transactions in financial assets classified as
dalam kelompok tersedia untuk dijual, selisih kurang available-for-sale, the difference less the Allowance for
Penyisihan Penghapusan Aset (PPA) atas aset produktif Asset Losses (PPA) on earning assets with Allowance
dengan Cadangan Kerugian Penurunan Nilai, dan PPA for Impairment Losses, and PPA for non-earnings).
non produktif).
Di akhir tahun 2023, Modal Inti yang dimiliki oleh At the end of 2023, the Core Capital owned by OK
OK BANK sebesar Rp3.505,26 miliar, naik 1,19% atau BANK was Rp3,505.26 billion, increased by 1.19% or an
bertambah sebesar Rp41,18 miliar dibandingkan Modal increase of Rp41.18 billion compared to the Core Capital
Inti di tahun 2022 yang sebesar Rp3.464,08 miliar. in 2022 of Rp3,464.08 billion.
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• Modal Pelengkap (Maksimum 100% dari Modal Inti) • Supplementary Capital (Maximum 100% of Core Capital)
Modal pelengkap meliputi cadangan umum PPA atas Supplementary capital includes general reserves of PPA
aset produktif yang wajib dihitung dengan jumlah on productive assets that must be calculated with a
maksimum 1,25% dari ATMR Risiko Kredit dan Cadangan maximum amount of 1.25% of the RWA for Credit Risk
Tujuan. and Reserves for Purpose.
Tabel Perhitungan Kewajiban Penyediaan Modal Minimum Tanggal 31 Desember 2023
dan 2022 adalah sebagai berikut.
Table of the Calculation of Minimum Capital Adequacy Requirement as of December 31,
2023 and 2022 is as follows. Rp Juta | Rp Million
Uraian Struktur Modal Growth 2023
2023 2022
Capital Structure Description Nominal %
Modal Inti (Tier 1) 3.505.265 3.464.082 41.183 1,19%
Core Capital (Tier 1)
Modal Pelengkap (Tier 2) 79.084 73.639 5.445 0,00%
Supplementary Capital (Tier 2)
Total Modal 3.584.349 3.537.721 46.628 1,32%
Total Capital
Aset Tertimbang Rata Menurut Risiko Kredit, 7.281.730 7.421.195 (139.465) -1,88%
Operasional, Pasar
Credit, Operational, Market Risk-Weighted Assets
Rasio KPMM (%) 49,22% 47,67% 1,55% 3,26%
KPMM Ratio (%)
IKATAN MATERIAL UNTUK INVESTASI BARANG MATERIAL COMMITMENT FOR CAPITAL GOODS
MODAL INVESTMENT
Sepanjang tahun 2023 OK BANK tidak memiliki ikatan Throughout 2023, OK BANK has no commitment to any
dengan pihak manapun terkait investasi barang modal. party related to capital goods investment.
INVESTASI BARANG MODAL YANG CAPITAL GOODS INVESTMENT REALIZED IN THE
DIREALISASIKAN PADA TAHUN BUKU 2023 2023 FISCAL YEAR
Investasi barang modal 2022-2023
Capital goods investment in 2022-2023
Uraian Investasi Barang Modal Growth 2023
2023 2022
Capital Goods Investment Description Nominal %
Bangunan - 48 (48) -100,00%
Building
Inventaris Kantor 932 592 340 57,43%
Office Inventory
Peralatan Kantor 3.413 2.303 1.110 48,20%
Office Equipment
Kendaraan 18 - 18 100,00%
Vehicle
Aset dalam Penyelesaian 19.402 282 19.120 6780,14%
Asset under Progress
Jumah Investasi Barang Modal 23.765 3.225 20.540 636,90%
Total Capital Goods Investment
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Pada tahun 2023 Bank merealisasikan investasi barang In 2023, the Bank realized an investment in capital goods
modal sebesar Rp23.765 miliar, meningkat hingga 636,90% of Rp23,765 billion, an increase of 636.90% from the
dari tahun sebelumnya. Sebagian besar investasi barang previous year. Most of the investment in capital goods was
modal ditujukan untuk pengembangan infrastruktur intended for the development of information technology
teknologi informasi serta investasi untuk mendukung infrastructure and investment to support the Bank’s
kegiatan operasional Bank. operational activities.
PERBANDINGAN TARGET DAN REALISASI TARGET AND REALIZATION COMPARISON
Terpengaruh oleh kondisi perekonomian maupun industri Affected by the economic conditions and the banking
perbankan yang tertekan oleh tingginya suku bunga, tidak industry pressured by high interest rates, not all
seluruh target kinerja OK BANK sepanjang tahun 2023 yang performance targets for OK BANK throughout 2023 set
ditetapkan dalam RBB 2023 tercapai. Namun demikian, out in the 2023 RBB were achieved. However, there were
masih terdapat beberapa indikator kinerja yang melebihi still several performance indicators that exceeded the set
target yang ditetapkan. targets.
Tabel Target Vs Realisasi 2023
Table Target vs Realization in 2023
2023
Uraian Pencapaian (%)
Description Realisasi Achievement (%)
Target
Realization
Aset 11.344.281 11.075.151 97,63%
Assets
Kredit 9.349.030 8.527.881 91,22%
Loans
DPK
Third-Party Funds
Giro 520.000 827.984 159,23%
Current Account
Tabungan 600.000 424.861 70,81%
Savings
Deposito 5.172.417 4.816.900 93,13%
Time Deposits
Deposit dari Bank lain 707.583 744.263 105,18%
Deposits from Other Banks
Profit 30.119 28.652 95,13%
Dalam Persentase (%)
In Percentage (%)
CAR 46.32 49.22 106,27%
NIM 5.76 5.87 102,04%
ROE 0.86 0.46 54,22%
ROA 0.43 0.35 79,68%
LFR (LDR) 148.58 136.73 92,02%
BOPO 94.99 96.35 101,43%
NPL Gross 3.31 3.80 114,96%
NPL Netto 2.35 2.30 97,73%
PROYEKSI 2024 2024 PROJECTION
Memasuki tahun 2024, OK BANK telah menyusun RBB 2024 As we enter 2024, OK BANK has prepared the 2024 RBB that
yang telah disampaikan kepada OJK. Dalam penyusunan has been submitted to OJK. In preparing the RBB, the Bank
RBB tersebut, Bank menggunakan sejumlah asumsi sebagai used several assumptions, as follows:
berikut:
146 Laporan Tahunan 2023 Annual Report
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Tabel asumsi dan proyeksi 2024
Table of assumption and projection for 2024
Asumsi Proyeksi 2024
Assumption 2023 Projection
Asumsi Makro | Macro-Assumption
Pertumbuhan PDB (%)
5,20
PDB Growth (%)
Inflasi (%)
2,80
Inflation (%)
Kurs USD/Rp
15.200
USD/Rp Exchange Rate
BI 7D Rate 6,00
Asumsi Mikro | Micro-Assumption
Pertumbuhan Kredit (%)
9,00
Credit Growth (%)
Pertumbuhan Dana Pihak Ketiga (%)
6,50
Third-Party Fund Growth (%)
Berdasarkan asumsi tersebut, OK BANK menetapkan target/ Based on those assumptions, OK BANK sets targets/
proyeksi kinerja tahun 2023 sebagai berikut: projection of performance for 2024 as follows:
Tabel proyeksi 2024
Table of projection for 2024
Uraian (Dalam Jutaan Rupiah) Proyeksi 2024
Description (in million Rupiah) 2023 Projection
Pendapatan Bunga Bersih
651.352
Net Interest Income
Laba Setelah Pajak
30.041
Profit After Tax
CAR (%) 46,16
NIM (%) 5,82
NPL Gross (%) 3,50
NPL Netto (%) 2,29
KEBIJAKAN DIVIDEN DIVIDEND POLICIES
Terkait dengan pembagian dividen, sepenuhnya tergantung The disbursement of dividends is entirely dependent on
keputusan Rapat Umum Pemegang Saham (RUPS). the resolution of the General Meeting of Shareholders
Pembagian dividen kepada para pemegang saham Bank (GMS). The disbursement of dividends to all shareholders
diakui sebagai sebuah liabilitas dalam laporan keuangan is recognized as a liability in the Bank’s financial statement
Bank pada tahun ketika dividen tersebut disetujui oleh para for the year the dividends are approved by all shareholders.
pemegang saham Bank. Pada periode 2022-2023 tidak ada There was no dividend disbursement for the period of
pembagian dividen. 2022–2023.
REALISASI PENGGUNAAN DANA HASIL REALIZATION OF USE OF FUNDS FROM PUBLIC
PENAWARAN UMUM OFFERING
Realisasi Penggunaan Dana Hasil Penawaran Realization of Use of Funds from Public Offering
Umum
Realisasi penggunaan dana hasil penawaran umum yang The realization of the use of funds from public offerings
dilaporkan Perseroan selama tahun 2022 adalah: reported by the Company during 2022 is as follows:
PT Bank Oke Indonesia, Tbk. 147
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
Penawaran Umum Perdana Saham (IPO) Initial Public Offering (IPO) of Shares
Dana hasil Penawaran Umum Perdana (Initial Public The funds from the IPO were realized entirely as outlined
Offering/IPO) telah terealisasi seluruhnya sebagaimana in the Report on Realization of Use of Proceeds as of
Laporan Realisasi Penggunaan Dana per Desember 2020 December 2020 and have been submitted to the General
dan telah dilaporkan pada Rapat Umum Pemegang Saham Meeting of Shareholders held on May 8, 2020.
tanggal 08 Mei 2020.
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Realisasi Penggunaan Dana
Jenis Realization Value of Public Offering Proceeds Usage Plan Realization of Fund Usage Sisa Dana
Penawaran Hasil
Tanggal Jumlah Hasil Biaya
Umum Penawaran
Efektif Penawaran Penawaran Ekspansi Jaringan Ekspansi Jaringan
No Type of Umum
Effective Umum Umum Hasil Bersih Kredit Kantor Kredit Kantor
Public Total Total Outstanding
Date Total Public Net Profit Credit Office Credit Office
Offering Proceeds
Proceeds Offering Expansion Network Expansion Network from IPO
Cost
1 Penawaran 11 Juli 2014 55.000.000.000 4.828.000.000 50.172.000.000 37.629.000.000 12.543.000.000 50.172.000.000 37.629.000.000 12.543.000.000 50.172.000.000 0
Umum July 11,
Saham 2014
Perdana
Initial Public
Offering
(IPO)
Jumlah | Total 55.000.000.000 4.828.000.000 50.172.000.000 37.629.000.000 12.543.000.000 50.172.000.000 37.629.000.000 12.543.000.000 50.172.000.000 0
Penawaran Umum Terbatas I (PUT) I dengan Hak Memesan Limited Public Offering (LPO) I with Preemptive Rights
Efek Terlebih Dahulu (HMETD) (HMETD)
Dana hasil PUT I telah terealisasi seluruhnya sebagaimana Proceeds from the LPO I have been fully realized, as
Laporan Realisasi Penggunaan Dana per Desember 2020 outlined in the Report on Realization of Use of Proceeds as
dan telah dilaporkan pada Rapat Umum Pemegang Saham of December 2020 and submitted in the General Meeting of
tanggal 5 Mei 2021. Shareholders held on May 5, 2021.
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Realisasi Penggunaan Dana
Jenis Realization Value of Public Offering Proceeds Usage Plan Realization of Fund Usage Sisa Dana
Penawaran Hasil
Tanggal Jumlah Hasil
Umum Biaya Penawaran
Efektif Penawaran Ekspansi Ekspansi
No Type of Penawaran Jaringan Umum
Effective Umum Hasil Bersih Kredit Kredit
Public Umum Kantor Total Total Outstanding
Date Total Net Profit Credit Credit
Offering Public Offering Office Network Proceeds
Proceeds Expansion Expansion from IPO
Cost
1 Penawaran 19 499.353.607.739 1.550.808.000 497.802.799.739 497.802.799.739 497.802.799.730 497.802.799.739 497.802.799.739 497.802.799.739 0
Umum Desember
Saham 2019
Perdana December
Initial Public 19, 2019
Offering
(IPO)
Jumlah | Total 499.353.607.739 1.550.808.000 497.802.799.739 497.802.799.739 497.802.799.730 497.802.799.739 497.802.799.739 497.802.799.739 0
Penawaran Umum Terbatas II (PUT) II dengan Hak Limited Public Offering (LPO) II with Preemptive Rights
Memesan Efek Terlebih Dahulu (HMETD) (HMETD)
Dana hasil PUT II telah terealisasi seluruhnya sebagaimana Proceeds from the LPO II have been fully realized, as
Laporan Realisasi Penggunaan Dana per Juni 2021 dan telah outlined in the Report on Realization of Use of Proceeds as
dilaporkan pada Rapat Umum Pemegang Saham tanggal 11 of June 2021 and submitted in the next General Meeting of
Mei 2022. Shareholders held on May 11, 2022.
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Realisasi Penggunaan Dana
Jenis Realization Value of Public Offering Proceeds Usage Plan Realization of Fund Usage Sisa Dana
Penawaran Hasil
Tanggal Jumlah Hasil
Umum Biaya Penawaran
Efektif Penawaran Ekspansi Ekspansi
No Type of Penawaran Jaringan Umum
Effective Umum Hasil Bersih Kredit Kredit
Public Umum Kantor Total Total Outstanding
Date Total Net Profit Credit Credit
Offering Public Offering Office Network Proceeds
Proceeds Expansion Expansion from IPO
Cost
1 Penawaran 02 499.678.580.838 1.086.976.244 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 0
Umum dengan November
Memberikan 2020
HMETD November
Public 2, 2020
Offering with
Preemptive
Rights
(HMETD)
Jumlah | Total 499.678.580.838 1.086.976.244 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 498.591.604.594 0
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Penawaran Umum Terbatas (PUT) III dengan Hak Limited Public Offering (LPO) III with Preemptive Rights
Memesan Efek Terlebih Dahulu (HMETD) (HMETD)
Dana hasil PUT III telah terealisasi seluruhnya sebagaimana Proceeds from the LPO III have been fully realized, as
Laporan Realisasi Penggunaan Dana per April 2022 dan outlined in the Report on Realization of Use of Proceeds as
telah dilaporkan pada Rapat Umum Pemegang Saham of April 2022, and submitted in the next General Meeting of
tanggal 11 Mei 2022. Shareholders held on May 11, 2022.
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Realisasi Penggunaan Dana
Jenis Realization Value of Public Offering Proceeds Usage Plan Realization of Fund Usage Sisa Dana Hasil
Penawaran
Tanggal Jumlah Hasil Penawaran
Umum Biaya
Efektif Penawaran Ekspansi Ekspansi Umum
No Type of Penawaran Jaringan
Effective Umum Hasil Bersih Kredit Kredit Outstanding
Public Umum Kantor Total Total
Date Total Net Profit Credit Credit Proceeds from
Offering Public Offering Office Network
Proceeds Expansion Expansion IPO
Cost
1 Penawaran 14 499.827.827.715 1.065.736.985 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 0
Umum Oktober
dengan 2021
Memberikan October
HMETD 14, 2021
Public
Offering with
Preemptive
Rights
(HMETD)
Jumlah | Total 499.827.827.715 1.065.736.985 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 498.762.090.730 0
Penawaran Umum Terbatas (PUT) IV dengan Hak Limited Public Offering (LPO) IV with Preemptive Rights
Memesan Efek Terlebih Dahulu (HMETD) (HMETD)
Dana hasil PUT IV telah terealisasi seluruhnya sebagaimana Proceeds from the LPO IV have been fully realized, as
Laporan Realisasi Penggunaan Dana per Januari 2023 dan reported in the Realization of Use of Funds Report as of
sudah dilaporkan pada Rapat Umum Pemegang saham January 2023, and have been reported at the General
tahun 2023. Meeting of Shareholders in 2023.
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Realisasi Penggunaan Dana
Jenis Realization Value of Public Offering Proceeds Usage Plan Realization of Fund Usage Sisa Dana
Penawaran Hasil
Tanggal Jumlah Hasil
Umum Biaya Penawaran
Efektif Penawaran Ekspansi Ekspansi
No Type of Penawaran Jaringan Umum
Effective Umum Hasil Bersih Kredit Kredit
Public Umum Kantor Total Total Outstanding
Date Total Net Profit Credit Credit
Offering Public Offering Office Network Proceeds
Proceeds Expansion Expansion from IPO
Cost
1 Penawaran 19 499.427.217.710 1.169.086.330 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 0
Umum dengan Oktober
Memberikan 2022
HMETD/ October
PUT IV 19, 2022
Public
Offering with
Preemptive
Rights
(HMETD)/
PUT IV
Jumlah | Total 499.427.217.710 1.169.086.330 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 498.258.131.380 0
INFORMASI DAN FAKTA MATERIAL YANG INFORMATION AND MATERIAL FACTS THAT
TERJADI SETELAH TANGGAL LAPORAN OCCUR AFTER THE DATE OF THE ACCOUNTANT
AKUNTAN REPORT
Setelah pemeriksaan Laporan Keuangan Perseroan After the examination of the Company’s Financial
oleh Akuntan Publik untuk tahun yang berakhir pada 31 Statements by a Public Accountant for the year ended
Desember 2023 sampai dengan disusunnya laporan ini tidak on December 31, 2023, until the preparation of this report,
ada fakta material yang harus diinformasikan. there are no material facts that must be informed.
Informasi Material Mengenai Investasi, Material Information on Investments,
Ekspansi, Divestasi, Penggabungan/Peleburan Expansions, Divestments, Business Merger,
Usaha, Akuisisi, Restrukturisasi Utang/Modal Acquisitions, or Debt/Capital Restructuring
Pada tahun 2023, tidak terdapat informasi material In 2023, there was no material information on investments,
mengenai investasi, ekspansi, divestasi, penggabungan/ expansions, divestments, business mergers, acquisitions, or
peleburan usaha, akuisisi, restrukturisasi utang/modal debt/capital restructuring.
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Management Discussionand Analysis
Program Kepemilikan Saham oleh Karyawan Employee and/or Management Stock Option
dan/atau Manajemen (ESOP/MSOP) Programs (ESOP/MSOP)
Hingga akhir tahun 2023 OK BANK tidak pernah Until the end of 2023, OK BANK did not conduct
melaksanakan Program Kepemilikan Saham oleh Management Stock Option Program (MSOP) and Employee
Manajemen, atau Management Stock Option Program Stock Option Program (ESOP).
(MSOP), dan Program Kepemilikan Saham oleh Karyawan,
atau Employees Stock Option Program (ESOP).
Informasi Transaksi Material yang Mengandung Material Information that Contains Conflict of
Benturan Kepentingan dan/atau Transaksi Interests and/or Transactions with Affiliated
dengan Pihak Afiliasi Parties
Selama tahun 2023 tidak ada transaksi yang mengandung In 2023, there were no transactions containing conflicts of
benturan kepentingan. Tidak ada transaksi dengan anggota interest. There are no transactions with members of the
Direksi, anggota Dewan Komisaris atau Pemegang Saham Board of Directors, members of the Board of Commissioners,
yang merugikan kepentingan Perseroan. or Shareholders that harm the interests of the Company.
Transaksi dengan pihak berelasi terjadi pada transaksi Transactions with related parties occur in fundraising and
penghimpunan dana dan pemberian kredit, namun semua loan transactions, but all are carried out under normal
dilakukan dengan kondisi dan persyaratan normal. Transaksi conditions and terms. Fundraising transactions from related
penghimpunan dana dari pihak berelasi selama tahun 2023 parties during 2023 amounted to Rp94.25 billion, while loan
sebesar Rp94,25 miliar sedangkan transaksi pemberian transactions to related parties amounted to Rp80.61 billion.
kredit kepada pihak berelasi sebesar Rp80,61 miliar.
DAMPAK PERUBAHAN PERATURAN IMPACT OF CHANGES IN LEGISLATION
PERUNDANG-UNDANGAN
Pada tahun 2023, Pemerintah Pusat menetapkan UU No 4 In 2023, the Central Government enacted Law No. 4 of
Tahun 2023 tentang “Pengembangan dan Penguatan Sektor 2023 on “Financial Sector Development and Strengthening”
Keuangan” (UU P2SK). Pokok-Pokok Pengaturan UU P2SK (P2SK Law). The Principal Regulations of the P2SK Law
mencakup 2 bagian besar: include 2 major parts:
• Penguatan kelembagaan dan koordinasi otoritas di • Institutional strengthening and coordination of
sektor keuangan authorities in the financial sector
• Pengaturan terkait pengembangan dan pendalaman • Regulations related to the development and deepening
sektor keuangan beserta infrastruktur pendukungnya, of the financial sector and its supporting infrastructure,
termasuk sumber daya manusia including human capital
Arah pengaturan terkait Perbankan pada UU P2SK: Banking-related regulatory direction in the P2SK Law:
1. Konsolidasi & Pengembangan Bank 1. Bank Consolidation & Development
Memberikan kewenangan kepada OJK untuk Granting authority to the OJK to order Banks to
memerintahkan Perbankan melakukan konsolidasi consolidate (merger, consolidation, takeover,
(penggabungan, peleburan, pengambilalihan, integrasi, integration, and conversion). Encouraging the merger
dan konversi). Mendorong penggabungan BPR/S. of BPR/S.
2. Bank Digital 2. Digital Bank
• Bank Umum dapat beroperasi sebagai Bank Digital • Commercial Banks can operate as Digital Banks
• Bank Umum dan BPR dapatm emanfaatkan • Commercial Banks and BPRs can utilize information
teknologi informasi technology
• Bank dapat melakukan penanaman modal dan atau • Banks can invest and/or cooperate with information
kerjasama dengan perusahan teknologi informasi technology companies
• Bank melakukan kegiatan usaha dengan jaringan • Banks conduct business activities with information
teknologi informasi technology networks
PERUBAHAN KEBIJAKAN AKUNTANSI CHANGES IN ACCOUNTING POLICIES
Berikut ini ikhtisar Pernyataan Standar Akuntansi Keuangan The following is a summary of changes in the Statements
(PSAK) yang diterbitkan oleh Dewan Standar Akuntansi of Financial Accounting Standards (PSAK) as issued by
Keuangan yang relevan untuk Bank, namun belum berlaku the Financial Accounting Standards Council and relevant
efektif untuk laporan keuangan yang berakhir pada tanggal to the Bank that were yet to be in effect for the financial
31 Desember 2023: statement that ends on December 31, 2023.
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Berlaku efektif pada atau setelah tanggal 1 Januari 2024: In effect on or after January 1, 2024:
• Amandemen PSAK 116, “Sewa”, Amendemen tentang • Amendment to PSAK 116, “Leases,” regarding lease
liabilitas sewa dalam jual dan sewa balik. Amendemen liabilities in sale and leaseback transactions. This
ini mengatur pengukuran selanjutnya atas transaksi jual amendment regulates the subsequent measurement of
dan sewa balik. sale and leaseback transactions.
• Amandemen PSAK 201, “Penyajian Laporan Keuangan”, • Amendment to PSAK 201, “Presentation of Financial
Amendemen tentang liabilitas jangka panjang dengan Statements,” Amendment on long-term liabilities
kovenan. Amendemen ini mengatur bahwa hanya with covenants. The amendments stipulate that only
kovenan yang harus dipatuhi entitas pada atau sebelum covenants that an entity must comply with on or before
tanggal pelaporan yang akan memengaruhi klasifikasi the reporting date will affect the classification of short-
liabilitas jangka pendek atau jangka panjang serta term or long-term liabilities and their disclosure.
pengungkapannya.
• Amandemen PSAK 207, “Laporan Arus Kas dan • Amendments to PSAK 207, “Statement of Cash Flows,”
PSAK 107: Instrumen Keuangan: Pengungkapan”, and PSAK 107: “Financial Instruments: Disclosures,”
Amendemen tentang pengaturan pembiayaan Amendments on supplier financing arrangements. This
pemasok. Amendemen ini memperjelas pengungkapan amendment clarifies the disclosures related to supplier
terkait pengaturan pembiayaan pemasok. financing arrangements.
Berlaku efektif pada atau setelah tanggal 1 Januari 2025: In effect on or after January 1, 2025:
• Amandemen PSAK 221: “Pengaruh Perubahan Kurs • Amendment to PSAK 221: “The Effects of Changes
Valuta Asing”, Amendemen tentang kekurangan in Foreign Exchange Rates,” Amendment on lack
ketertukaran. Amendemen ini memperjelas pengaturan of exchangeability. This amendment clarifies the
terkait kondisi ketika suatu mata uang tidak tertukarkan arrangements related to the conditions when a
serta pengungkapannya. currency is not exchangeable and its disclosure.
• PSAK 117, “Kontrak Asuransi”, PSAK 117 merujuk pada • PSAK 117, “Insurance Contracts,” PSAK 117 refers to IFRS
IFRS 17 Insurance Contracts. 17 Insurance Contracts.
Saat ini Bank sedang mengevaluasi dan belum menetapkan Currently, the Bank is still evaluating these changes and is
dampak dari penerapan standar tersebut serta pengaruhnya yet to determine the impact of these changes on the Bank’s
pada laporan keuangan Bank financial statement.
ASPEK PEMASARAN MARKETING ASPECT
OK BANK telah memiliki layanan digital yang cukup lengkap dan kaya
akan fitur, yaitu internet banking dan mobile banking OK BANK dengan
nama OK Personal Internet Banking, OK Corporate Internet Banking dan
OK Mobile Banking dan akan terus melakukan pengembangan layanan
digital untuk menjangkau dan menjaga loyalitas nasabah
OK BANK already has fairly complete and feature-rich digital services, namely OK BANK’s
internet banking and mobile banking under the names OK Personal Internet Banking, OK
Corporate Internet Banking, and OK Mobile Banking, and will continue to develop digital
services to reach and maintain customer loyalty.
Di tengah persaingan industri perbankan yang semakin Despite the more competitive banking industry, OK BANK
ketat, OK BANK terus berupaya untuk menjangkau lebih is striving to reach more customers and maintain customer
banyak nasabah dan menjaga loyalitas nasabah. Salah satu loyalty. One of the measures taken by OK BANK to do that
langkah yang dijalankan OK BANK adalah terus melakukan is by developing digital services. OK BANK is currently
pengembangan layanan digital. OK BANK telah memiliki providing comprehensive digital services with many
layanan digital yang cukup lengkap dan kaya akan fitur, features in the form of OK BANK internet banking and
yaitu internet banking dan mobile banking OK BANK mobile banking called OK Personal Internet Banking, OK
dengan nama OK Personal Internet Banking, OK Corporate Corporate Internet Banking, and OK Mobil Banking.
Internet Banking dan OK Mobile Banking.
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
Selain meningkatkan layanan digital, pada tahun 2023 OK In addition to improving digital services, OK BANK also
BANK juga menjalankan sejumlah inisiatif, antara lain: carry out several initiatives in 2023, including:
1. Melakukan perkenalan promosi produk menggunakan 1. Conducting product promotion introductions using
media digital seperti media sosial, e-mail blast, online digital media such as social media, email blasts, and
messaging secara teratur dan terukur serta menambah online messaging regularly and measurably, as well as
media promosi dengan pengadaan LED Truck. adding promotional media with the procurement of
LED Trucks.
2. Pengembangan produk baru pada tabungan, giro dan 2. Development of new products in savings, current
deposito yang memiliki fitur produk yang bersaing accounts, and time deposits that have product features
dengan kompetitor. that compete with competitors.
3. Mengembangkan program marketing periode pendek 3. Developing short-term marketing programs for savings
untuk tabungan dan deposito dengan memberikan and time deposits by providing prizes in the form of
hadiah berupa cashback kepada nasabah high net cashback to high-net-worth customers.
worth.
4. Mengembangkan secara bertahap layanan pengelolaan 4. Gradually developing wealth management services with
kekayaan dengan berbagai variasi produk, mulai dari a wide variety of products, ranging from (government)
produk obligasi (pemerintah), kerjasama asuransi untuk bond products, and insurance partnerships for asset
perlindungan/proteksi aset maupun jiwa dan juga and life protection/protection as well as health.
kesehatan.
5. Promosi gabungan dengan nasabah debitur maupun 5. Joint promotion with debtor and depositor customers
deposan untuk melakukan sponsorship dalam bentuk to conduct sponsorship in the form of open booths
open booth dan pameran sebagai bentuk perkenalan and exhibitions as a form of introducing OK BANK
corporate branding OK BANK Indonesia. Indonesia’s corporate branding.
6. Mengadakan event dengan tema keuangan untuk 6. Holding events with financial themes for specific target
target nasabah tertentu sebagai bagian dari bentuk customers as a form of promotion and financial literacy
promosi dan literasi finansial kepada nasabah. to customers.
7. Pengembangan pada target supply chain network 7. Development of the target supply chain network of
nasabah korporasi existing, khususnya yang memiliki existing corporate customers, specifically those who
koneksi dengan sister company, subsidiary company have connections with sister companies, subsidiary
ataupun parent company yang tergabung dalam companies, or parent companies that are members of
konglomerasi the conglomeration.
8. Memaksimalkan produktivitas dan peningkatan 8. Maximizing productivity and increasing motivation in
motivasi dalam melakukan pemasaran pada tim funding, marketing the funding team, equipped with coaching
dibekali dengan coaching dan training pengembangan and training to develop skills and enthusiasm in
kemampuan dan semangat dalam pemasaran marketing (intensive mentoring) to target the retail and
(pendampingan yang intensif) untuk membidik pasar corporate markets.
retail dan korporasi
STRATEGI PENDANAAN FUNDING STRATEGY
Di tengah persaingan industri perbankan yang semakin ketat, In the middle of the more competitive climate in the
OK BANK tetap berusaha untuk mempertahankan kinerja banking industry, OK BANK is striving to maintain its level of
perbankan dan terus meningkatkan layanan kepada nasabah. performance and improve its service quality to customers.
Dengan dukungan pemegang saham dan permodalan yang With the support given by shareholders and a solid capital
solid, OK BANK akan terus mengembangkan layanan agar structure, OK BANK will continue its effort to develop quality
sesuai dengan perkembangan jaman. Dengan begitu, maka services according to growing needs and changing trends.
diharapkan pangsa pasar dapat terus bertumbuh dan With this attitude, it is expected that the Bank’s market share
memberikan kontribusi profit kepada Bank. can continue to grow and its business will become more and
more profitable.
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Dalam hal strategi untuk penghimpunan dana pada tahun Regarding its strategy to source funding in 2023, several
2023, beberapa inisiatif yang telah dilakukan adalah sebagai initiatives have been taken by the Bank, as follows:
berikut:
1. Mengembangkan program untuk produk pendanaan 1. Developing programs for low-cost funding products,
berbiaya murah seperti bundling program antara such as bundling programs between savings and time
tabungan dan deposito dengan proporsi tertentu deposits with specific proportions in addition to other
selain itu produk unggulan lainnya dengan bunga yang superior products with competitive interest rates and
kompetitif serta bebas biaya administrasi. free administration fees.
2. Untuk mendukung cross selling program, maka 2. The development of services to customers with Virtual
dilakukan pengembangan layanan kepada nasabah Account services was carried out to support the cross-
dengan layanan Virtual Account. selling program.
3. Melakukan kerja sama dengan merchant dan Rumah 3. Collaborating with merchants and Hospitals for the use
Sakit untuk penggunaan kartu Debit OK BANK. of OK BANK Debit cards.
4. Bank berusaha untuk fokus kepada segmen target 4. The Bank strives to focus on specific target customer
nasabah tertentu dengan memberikan suku bunga segments by providing attractive and competitive
yang menarik dan kompetitif. interest rates.
5. Pengembangan produk dan layanan untuk segmen 5. Development of products and services for the MSME
UMKM. segment.
6. Mempersiapkan layanan EDC. 6. Preparing the EDC service.
PROSPEK DAN STRATEGI 2024 PROSPECT AND STRATEGY IN 2024
OK BANK akan semakin menempatkan perilaku nasabah sebagai inti dari
model bisnis yang akan dikembangkan sebagai wujud upaya meningkatkan
customer experience terbaik bagi nasabah dalam rangka meningkatkan
loyalitas mereka dan berkembang bersama meningkatnya skala usaha
mereka
OK BANK will increasingly place customer behavior at the core of its business model in an
effort to enhance the best customer experience for customers, increase their loyalty, and grow
with their business scale
Tahun 2024 perekonomian Indonesia akan diwarnai suasana In 2024, the Indonesian economy will be marked by the
perhelatan Pemilu. Secara umum, perhelatan pemilu atmosphere of the General Election. Overall, the general
cenderung menyebabkan kredit modal kerja dan investasi election tends to cause working capital and investment
mengalami penurunan mengingat para pelaku pasar loans to decrease due to wait-and-see market players.
wait and see. Untuk pertumbuhan kredit perbankan 2024 The growth of bank loans in 2024 is projected to be in the
diproyeksikan berada di kisara 9-11% dan pertumbuhan range of 9–11% and the growth of third-party funds to be in
DPK berada di 6-8%. IMF memproyeksikan pertumbuhan the range of 6–8%. The IMF projects Indonesia’s economic
ekonomi Indonesia di 2024 sebesar 5,0% dan tingkat inflasi growth for 2024 at 5.0% and the inflation rate at 2.5%.
sebesar 2,5%.
Terdapat beberapa tantangan sektor jasa keuangan di There are several challenges in the financial services sector
tahun 2024 yang perlu diantisipasi seperti: in 2024 that need to be anticipated, such as:
• Ekspor masih tertekan seiring penurunan harga • Exports are still constrained in line with declining
komoditas dan permintaan global, seberapa besar commodity prices and global demand; the size of the CA
defisit CA akan dipengaruhi keberhasilan hilirisasi, deficit will be influenced by the success of downstream
keberlanjutan proyek padat modal dan pertumbuhan projects, the sustainability of capital-intensive projects,
konsumsi domestik and domestic consumption growth.
• Pertumbuhan ekonomi cenderung stagnan di sekitar • Economic growth tends to stagnate at around 5%.
5%. Investasi dan program pemerintah cenderung Investment and government programs tend to stand
stand still di periode pemilu, konsumsi akan menjadi still in the general election period, but consumption will
motor pertumbuhan didukung peningkatan anggaran be the engine of growth, supported by an increase in
bansos the social assistance budget.
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Analisis dan Pembahasan Manajemen
Management Discussionand Analysis
• Kinerja sektor berbasis komoditas perlu dicermati, • The performance of commodity-based sectors needs to
terlebih apabila agenda climate change global be monitored, especially if the global climate change
terganggu. Pasar akan mencermati kebijakan ekonomi agenda is disrupted. The market will pay close attention
Presiden terpilih. to the selected President’s economic policy.
• Kebijakan moneter lebih fokus untuk menjaga Rupiah • Monetary policy is more focused on maintaining the
dengan ruang pelonggaran mulai ada, sementara kinerja Rupiah with room for easing, while financial sector
sektor keuangan melanjutkan normalisasi namun bias performance continues to normalize but with a
ke bawah. downward bias.
Guna memastikan stabilitas dan ketahanan ekonomi To ensure economic stability and resilience in the future,
ke depan, sejumlah kebijakan prioritas telah disiapkan several priority policies have been prepared by the
Pemerintah, seperti revitalisasi mesin konvensional melalui Government, such as revitalizing conventional machinery
peningkatan produktivitas dan daya saing dengan Program through increasing productivity and competitiveness with
Kartu Prakerja, pelatihan vokasi, dan implementasi UU Cipta the Pre-Employment Card Program, vocational training and
Kerja, pembangunan infrastruktur dengan melanjutkan implementation of the Job Creation Law, infrastructure
Proyek Strategis Nasional (PSN), pembangunan MRT dan development by continuing the National Strategic Projects
kereta cepat, Kawasan Ekonomi Khusus (KEK), Ibu Kota (PSN), construction of the MRT and fast trains, Special
Nusantara (IKN), serta Reforma Agraria, perluasan kerja Economic Zones (KEK), the Capital City of the Archipelago
sama internasional, dan penguatan ketahanan pangan. (IKN), as well as Agrarian Reform, expanding international
cooperation, and strengthening food resilience.
Selain itu, Pemerintah juga akan mendorong mesin In addition, the Government will also encourage new
perekonomian baru melalui digitalisasi, transisi energi economic engines through digitalization, sustainable
berkelanjutan, industrialisasi dengan hilirisasi yang energy transition, and industrialization, with a downstream
dapat meningkatkan nilai tambah ekonomi. Selanjutnya, that can increase economic added value. Furthermore,
penguatan ketahanan sosial dan pemberdayaan ekonomi the Government will also strengthen social resilience and
masyarakat juga akan dilakukan Pemerintah melalui berbagai community economic empowerment through various social
perlindungan sosial termasuk menjaga daya beli masyarakat protections, including maintaining the purchasing power of
rentan, pembiayaan mikro, dan padat karya tunai. vulnerable people, microfinance, and cash-intensive labor.
Mempertimbangkan kondisi tersebut dan mengingat Considering these conditions and the digital economy,
bahwa pada tahun 2023 ekonomi digital terus tumbuh which will continue to grow quite rapidly in 2023, OK BANK
dan akan terus berkembang cukup cepat, OK BANK akan will continue to observe and seize the best opportunities
terus mengamati dan meraih peluang terbaik dari upaya from efforts to optimize the utilization of big data.
optimalisasi pemanfaatan big data. Customer experience Customer experience also remains a concern for OK BANK,
juga tetap menjadi concern OK BANK yang semakin which increasingly places customer behavior at the core of
menempatkan perilaku nasabah sebagai inti dari model the business model to be developed to create customer
bisnis yang akan dikembangkan, untuk menciptakan satisfaction and loyalty.
kepuasan dan loyalitas nasabah.
OK BANK memberikan layanan yang lebih spesifik bagi tiap OK Bank provides more specific services to each customer
nasabah dengan memanfaatkan kumpulan riwayat data by utilizing historical data on customer preferences. On
preferensi nasabah. Di sisi nasabah, hal ini memberikan the customer side, this provides benefits in the form of
manfaat berupa tingkat layanan yang semakin relevan dan increasingly relevant and personalized service levels and
terpersonalisasi serta mampu memprediksikan kebutuhan the ability to predict the future needs of each customer.
setiap nasabah di masa depan.
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OK BANK memiliki produk Kredit tanpa Agunan yang cukup OK Bank has a fairly attractive Unsecured Loan product. OK
menawan. Pengajuan KTA OK BANK yang cepat ditambah BANK’s fast KTA application and easy requirements provide
persyaratan yang tidak begitu sulit memberikan daya tarik its attraction for customers. Through OK BANK’s flagship
tersendiri bagi nasabah. Melalui produk andalan OK BANK product, customers can apply for loans without collateral
ini nasabah bisa mengajukan pinjaman tanpa agunan with a ceiling of Rp3 million to Rp200 million. Competitive
dengan plafon Rp3 juta sampai Rp200 juta. Suku bunga interest rates and OK BANK’s KTA term of up to 5 years
kompetitif serta jangka waktu KTA OK BANK mencapai 5 make this loan popular. OK BANK’s unsecured loan is a
tahun menjadikan pinjaman ini banyak diminati. Pinjaman leading unsecured credit product that makes it easy for
tanpa agunan OK BANK merupakan produk Kredit Tanpa customers to get cash loans. Moreover, this OK BANK loan
Agunan terkemuka yang memberikan kemudahan nasabah can be applied for various needs, including working capital,
mendapatkan pinjaman tunai. Terlebih pinjaman OK BANK investment, and consumptive needs.
ini bisa diajukan untuk beragam kebutuhan baik untuk
modal kerja, investasi, maupun kebutuhan konsumtif.
Perseroan juga akan terus melakukan evaluasi terhadap The Company will also continue to evaluate marketing
strategi pemasaran untuk dapat terus memenuhi kebutuhan strategies to meet the needs of customers and market
dari nasabah maupun segmentasi pasar. Berbagai promosi segmentation. Various promotions will also be conducted
juga akan dilakukan untuk meningkatkan brand awareness to increase OK BANK’s brand awareness.
OK BANK.
Selain itu, di tahun 2024, OK BANK juga akan menjalankan In addition, OK BANK will also implement the following
strategi sebagai berikut: strategies in 2024:
1. Penguatan Aset 1. Asset Strengthening
Memperbesar portofolio kredit dengan fokus pada Expanding the loan portfolio with a focus on the
segmen Korporasi, Komersial dan Financial Institution. Corporate, Commercial, and Financial Institution
Meningkatkan pertumbuhan segmen Retail dengan segments. Increasing the growth of the Retail segment
pengembangan aplikasi mobile app, ditopang dengan by developing mobile app applications, supported
peningkatan DPK dan pengembangan infrastuktur serta by increasing DPK and developing infrastructure and
fasilitas pelayanan. service facilities.
2. Profitabilitas 2. Profitability
Membangun rentabilitas yang stabil dan sehat yang Building stable and healthy profitability accompanied
disertai prinsip kehati-hatian. by the principle of prudence.
3. Peningkatan Kualitas Penerapan Manajemen Risiko 3. Improving the Quality of Risk Management
Implementation
Menyiapkan sistem scoring dan sistem kontrol internal. Setting up a scoring system and an internal control
Bermitra dengan sistem credit scoring yang tercatat system. Partner with a credit scoring system registered
di OJK IKD (ID Score/Pefindo) untuk peningkatan dan at OJK IKD (ID Score/Pefindo) to improve and strengthen
memperkuat kemampuan customer screening. Selain customer screening capabilities. In addition, the bank
itu bank tetap melanjutkan proses pemulihan kualitas continues the process of restoring credit quality, the
kredit, stabilitas kredit restruktur dan bermasalah. stability of restructuring, and non-performing loans.
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Tata Kelola Perusahaan Corporate Governance OK BANK berkomitmen penuh untuk menjadikan prinsip tata kelola perusahaan sebagai bagian yang tak terpisahkan dari operasional Bank sehari-hari. Seluruh tingkatan dan jenjang organisasi tata kelola menjalankan fungsi dan tugasnya sesuai dengan peraturan perundang-undangan yang berlaku dan didukung dengan peraturan internal yang selalu ditinjau secara berkala. OK BANK is fully committed to making corporate governance principles an integral part of the Bank’s daily operations. All levels and positions of the governance organization perform their functions and duties in accordance with the prevailing laws and regulations and are supported by internal regulations that are regularly reviewed.
Page 160
Tata Kelola Perusahaan
Corporate Governance
Kebijakan Tata Kelola
Governance Policy
Sesuai dengan visi & misi perusahaan untuk menjadi bank In line with the Company's vision and mission to be the
terbaik yang memberikan kepercayaan kepada pelanggan best bank, earn the trust of customers, and contribute to
serta berkontribusi kepada masyarakat dengan layanan society by providing the best services, OK BANK recognizes
terbaik. OK BANK menyadari penerapan tata kelola that the implementation of good governance based on
yang baik yang berdasarkan pada prinsip-prinsip utama core principles is key to realizing the Company's vision and
merupakan kunci untuk mewujudkan visi & misi perusahaan. mission. Good governance practices supported by effective
Praktek tata kelola yang baik yang didukung dengan risk management implementation are also key elements
penerapan manajemen risiko yang efektif juga merupakan to improving the competitiveness of the company and
elemen utama untuk meningkatkan daya saing perusahaan positively affecting the Bank's performance in a sustainable
serta berpengaruh positif terhadap kinerja OK BANK secara manner.
berkelanjutan.
DASAR PENERAPAN TATA KELOLA BASIS FOR IMPLEMENTING GOVERNANCE
OK BANK berkomitmen untuk menjadikan prinsip Tata OK BANK is committed to making the principles of good
Kelola Perusahaan yang Baik sebagai acuan dalam setiap corporate governance a reference in every operational
aktivitas operasional Bank. Penerapan prinsip tata kelola di activity of the Bank. The implementation of governance
OK BANK mengacu pada sejumlah peraturan perundang- principles in OK BANK refers to a number of laws and
undangan, antara lain: regulations, among others:
1. Undang-Undang Republik Indonesia Nomor 40 tahun 1. Law of the Republic of Indonesia Number 40 of 2007 on
2007 tentang Perseroan Terbatas; Limited Liability Companies;
2. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 2. Financial Services Authority Regulation Number 17
tentang Penerapan Tata Kelola Bagi Bank Umum; of 2023 on the Implementation of Governance for
Commercial Banks;
3. Peraturan Otoritas Jasa Keuangan Nomor 21/ 3. Financial Services Authority Regulation Number
POJK.04/2015 tentang Penerapan Pedoman Tata Kelola 21/POJK.04/2015 on the Implementation of Public
Perusahaan Terbuka; Company Governance Guidelines;
4. Surat Edaran Otoritas Jasa Keuangan Nomor 32/ 4. Circular Letter of the Financial Services Authority
SEOJK.04/2015 tentang Pedoman Tata Kelola Number 32/ SEOJK.04/2015 on Guidelines for Public
Perusahaan Terbuka; Company Governance;
5. Surat Edaran Otoritas Jasa Keuangan Nomor 13/ 5. Circular Letter of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Number 13/ SEOJK.03/2017 on the Implementation of
Bank Umum. Governance for Commercial Banks.
Tujuan penerapan tata kelola pada OK BANK adalah: The objectives of implementing governance in OK BANK are:
1. Penerapan prinsip tata kelola yang terdiri dari 1. The implementation of governance principles consisting
Transparansi, Akuntabilitas, Responsibilitas, of Transparency, Accountability, Responsibility,
Independensi, serta Keadilan dan Kesetaraan dalam Independence, and Fairness and Equality in its business
aktivitas bisnisnya dapat meningkatkan nilai perusahaan activities can increase the Company’s value that have
yang memiliki daya saing yang kuat dan berkelanjutan. strong and sustainable competitiveness.
2. Meningkatkan kinerja OK BANK yang tercipta dari 2. Improve OK BANK's performance as a result of the
terimplementasinya budaya tata kelola di setiap implementation of a culture of governance at all levels
tingkatan dan jenjang organisasi OK BANK. of OK BANK's organization.
3. Menjadikan penerapan tata kelola yang baik sebagai 3. Making the implementation of good governance as a
budaya perusahaan sehingga dalam setiap pengambilan corporate culture so that every decision will always
keputusan akan selalu dilandasi dengan ketentuan be based on the provisions of applicable laws and
peraturan perundang-undangan serta nilai etika dan regulations as well as ethical values and norms.
norma yang berlaku.
4. Meningkatkan kepercayaan investor dan menempatkan 4. Enhance investor confidence and position OK BANK as
OK BANK sebagai pilihan utama tempat berinvestasi. the first choice for investment.
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PRINSIP TATA KELOLA GOVERNANCE PRINCIPLES
· Bank telah mengungkapkan informasi yang material dan relevan serta keterbukaan kondisi
keuangan dan non keuangan;
· Bank mengungkapkan informasi secara tepat waktu, memadai, jelas, akurat dan mudah
diperbandingkan, serta mudah diakses oleh Stakeholders sesuai dengan haknya;
· Prinsip keterbukaan oleh Bank tidak mengurangi kewajiban untuk memenuhi ketentuan rahasia
Transparansi Bank sesuai Undang-Undang yang berlaku.
Transparency · The Bank has disclosed material and relevant information and disclosure of financial and non-
financial conditions.
· The Bank discloses information in a timely, adequate, clear, accurate and comparable manner,
and is easily accessible to stakeholders in accordance with their rights.
· The principle of openness by the Bank does not reduce the obligation to fulfil the provisions of
Bank Secrecy in accordance with applicable laws
· Bank telah menetapkan kejelasan fungsi dan pelaksanaan pertanggungjawaban organ Bank
sehingga pengelolaannya berjalan secara efektif;
· Bank memiliki ukuran kinerja dari semua jajaran berdasarkan ukuran-ukuran yang konsisten
dengan corporate values, sasaran dan usaha dan strategi Bank sebagai pencerminan
akuntabilitas Bank;
· Bank telah menetapkan tanggung jawab yang jelas dari masing-masing organ organisasi yang
selaras dengan visi, misi, sasaran usaha, dan strategi perusahaan;
Akuntabilitas
· Bank telah memastikan terdapatnya check and balance dalam pengelolaan Bank.
Accountability
· The Bank has clarified the roles and responsibilities of the Bank’s governing bodies to ensure
effective management.
· The Bank has performance measures for all levels based on measures that are consistent with
the Bank’s corporate values, goals and business and strategy as a reflection of the Bank’s
accountability.
· The Bank has established clear responsibilities of each organ of the organization that are
aligned with the vision, mission, business objectives and strategies of the Company.
· The Bank has ensured that there are checks and balances in the management of the Bank.
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Tata Kelola Perusahaan
Corporate Governance
· Kesesuaian pengelolaan Bank dengan peraturan perundang-undangan yang berlaku dan
prinsip-prinsip pengelolaan Bank yang sehat sebagai wujud pertanggungjawaban untuk
menjaga kelangsungan usahanya;
· Bank harus berpegang pada prinsip-prinsip kehati-hatian (prudential banking practices) dan
mentaati peraturan perundang-undangan yang berlaku;
· Bank telah bertindak sebagai good corporate citizen (warga Negara perusahaan yang baik)
Pertanggungjawaban termasuk peduli terhadap lingkungan dan melaksanakan tanggung jawab sosial.
Responsibility · Conformity of the Bank’s management with the prevailing laws and regulations and the
principles of sound Bank management as a form of accountability to maintain its business
continuity;
· The Bank must adhere to the principles of prudential banking practices and comply with
applicable laws and regulations;
· The Bank has acted as a good corporate citizen, including caring for the environment and
implementing social responsibility.
· Pengelolaan Bank secara profesional tanpa pengaruh atau tekanan dari pihak manapun;
· Bank menghindari terjadinya dominasi yang tidak wajar oleh stakeholders manapun dan tidak
terpengaruh oleh kepentingan sepihak, serta bebas dari benturan kepentingan (conflict of
interest);
Independensi · Bank mengambil setiap keputusan berdasarkan objektivitas serta bebas dari tekanan dari pihak
Independency manapun.
· Professional management of the Bank without influence or pressure from any party;
· The Bank avoids unreasonable domination by any stakeholders and is not influenced by
unilateral interests, and is free from conflicts of interest;
· The Bank makes every decision based on objectivity and free of pressure from any party.
· Bank memberikan keadilan dan kesetaraan dalam memenuhi hak-hak para Pemangku
Kepentingan yang timbul berdasarkan perjanjian dan peraturan perundang-undangan;
· Bank memperhatikan kepentingan seluruh Pemangku Kepentingan berdasarkan asas
kesetaraan dan kewajaran (equal treatment) serta memberikan atau menyampaikan pendapat
bagi kepentingan Bank atau mempunyai akses terhadap informasi sesuai dengan prinsip
Kewajaran
keterbukaan.
Fairness
· The Bank provides fairness and equality in fulfilling the rights of Stakeholders arising under
agreements and laws and regulations;
· The Bank takes into account the interests of all Stakeholders based on the principle of equality
and fairness (equal treatment) and provides or conveys opinions for the benefit of the Bank or
has access to information in accordance with the principle of transparency.
Struktur Tata Kelola
Governance Structure
Sesuai dengan Undang-Undang Republik Indonesia Nomor In accordance with the Law of the Republic of Indonesia
40 tahun 2007 tentang Perseroan Terbatas, struktur tata Number 40 of 2007 concerning Limited Liability Companies,
kelola perusahaan secara garis besar tergambarkan pada the Company’s corporate governance structure is outlined
tiga organ utama yaitu Rapat Umum Pemegang Saham in three main organs, namely the General Meeting of
(RUPS), Dewan Komisaris dan Direksi. Shareholders (GMS), the Board of Commissioners and the
Board of Directors.
RUPS merupakan forum tertinggi di perusahaan, sedangkan The GMS is the highest forum in the company, while the
keberadaan Dewan Komisaris dan Direksi merupakan existence of the Board of Commissioners and the Board
perwujudan dari sistem kepengurusan perusahaan dua of Directors is a manifestation of the two-tier system of
badan (two tier system). Dewan Komisaris bertindak corporate management. The Board of Commissioners acts
sebagai pengawas dan pengarah, Direksi bertindak sebagai as the supervisor and director, while the Board of Directors
pelaksana pengurusan perusahaan. acts as the executor of the Company’s management.
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Dalam menjalankan tugasnya, Dewan Komisaris dibantu In carrying out its duties, the Board of Commissioners is
oleh Komite Dewan Komisaris yang dibentuk untuk assisted by the Board of Commissioners Committee formed
membantu dan meningkatkan fungsi pengawasan yang to assist and enhance the supervisory function carried out
dijalankan oleh Dewan Komisaris, terdiri dari: by the Board of Commissioners, consisting of:
1. Komite Audit; 1. Audit Committee;
2. Komite Pemantau Risiko; 2. Risk Monitoring Committee;
3. Komite Remunerasi dan Nominasi. 3. Remuneration and Nomination Committee.
Direksi bertugas untuk mengelola dan mengendalikan The Board of Directors is tasked with managing and
operasional bisnis, serta bertanggung jawab atas controlling business operations, and is responsible for the
implementasi tata kelola di OK BANK. Direksi dibantu oleh implementation of governance in OK BANK. The Board
organ penunjang yang bersifat struktural, yaitu: of Directors is assisted by structural supporting organs,
namely:
1. Sekretaris Perusahaan. 1. Corporate Secretary
2. Satuan Kerja Audit Internal (SKAI). 2. Internal Audit Unit (IAU)
3. Compliance Division. 3. Compliance Division.
4. Risk Management Division. 4. Risk Management Division.
5. Legal Division. 5. Legal Division.
6. Human Resources Division. 6. Human Resources Division.
7. Credit Review Division. 7. Credit Review Division.
8. Operation Division. 8. Operation Division.
9. Finance Division. 9. Finance Division.
10. IT Operation Division. 10. IT Operation Division.
11. IT Planning Division. 11. IT Planning Division.
12. Business Division. 12. Business Division.
Selain itu, dalam melaksanakan tugasnya, Direksi juga In addition, in carrying out its duties, the Board of Directors
dibantu oleh Komite di bawah Direksi. Komite-komite is also assisted by Committees under the Board of Directors.
tersebut antara lain adalah: The committees are, among others:
1. Komite Kredit; 1. Credit Committee;
2. Komite Manajemen Risiko; 2. Risk Management Committee;
3. Komite Steering IT; 3. IT Steering Committee;
4. Assets and Liability Committee (ALCO); 4. Assets and Liability Committee (ALCO);
5. Komite Kebijakan Perkreditan; 5. Credit Policy Committee;
6. Komite Pengembangan Produk. 6. Product Development Committee.
PROSES TATA KELOLA GOVERNANCE PROCESSES
Efektivitas penerapan tata kelola dilihat dari adanya The effectiveness of the implementation of governance
keselarasan dari 3 (tiga) aspek governance system, is seen from the alignment of 3 (three) aspects of the
yaitu: governance structure, governance process dan governance system, namely: governance structure,
governance outcome. Governance Structure terkait governance process and governance outcome. Governance
dengan kecukupan struktur dan infrastruktur Tata Kelola Structure is related to the adequacy of the structure and
Perusahaan agar proses penerapan prinsip Tata Kelola yang infrastructure of Corporate Governance so that the process
baik menghasilkan outcome yang sesuai dengan harapan of implementing good Governance principles produces
Pemangku Kepentingan Perusahaan. outcomes that are in line with the expectations of the
Company’s Stakeholders.
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Tata Kelola Perusahaan
Corporate Governance
Governance Process adalah efektivitas proses penerapan Governance Process is the effectiveness of the process
prinsip Tata Kelola yang baik yang didukung oleh kecukupan of implementing good governance principles supported
struktur dan infrastruktur Tata Kelola Perusahaan sehingga by the adequacy of the structure and infrastructure of
menghasilkan outcome yang sesuai dengan harapan Corporate Governance so as to produce outcomes that
Pemangku Kepentingan Perusahaan. Governance Outcome are in accordance with the expectations of the Company’s
adalah kualitas outcome yang memenuhi harapan Stakeholders. Governance Outcome is the quality of the
Pemangku Kepentingan Perusahaan yang merupakan outcome that meets the expectations of the Company’s
hasil proses penerapan prinsip Tata Kelola yang Baik Stakeholders, which is the result of the process of applying
serta didukung oleh kecukupan struktur dan infrastruktur go the principles of Good Governance and is supported
Tata Kelola Perusahaan. Dengan demikian, Governance by the adequacy of the structure and infrastructure of
Outcome merupakan hasil penerapan Governance Process Corporate Governance. Thus, the Governance Outcome is
dan dukungan yang memadai dari Governance structure. the result of the application of the Governance Process
with adequate support from the Governance structure.
OK BANK berkomitmen untuk terus meningkatkan OK BANK is committed to continuously improving the
penerapan prinsip-prinsip tata kelola perusahaan yang baik implementation of good corporate governance principles
dalam setiap aktivitas bisnisnya, sehingga seluruh kegiatan in every business activity, so that all banking operations
operasional perbankan dapat berjalan secara konsisten can run consistently and sustainably. Therefore, OK BANK
dan berkesinambungan. Oleh karenanya OK BANK mulai began to conduct periodic assessments of the quality of
menjalankan penilaian berkala terhadap kualitas penerapan governance implementation on a regular basis, and from
tata kelola secara berkala, dan dari hasil penilaian tersebut the results of these assessments, improvement measures
kemudian ditentukan langka-langkah perbaikannya. were determined.
Penilaian secara mandiri atas penerapan tata kelola OK Self-assessment of the OK BANK’s implementation of
BANK dilakukan secara periodik setiap semester yaitu pada governance is conducted periodically every semester,
bulan Juni dan Desember pada tahun berjalan. Penilaian namely in June and December of the current year. The
tersebut dilakukan terhadap 3 aspek yaitu: assessment is carried out on 3 aspects, namely:
1. Governance Structure yang bertujuan untuk menilai 1. Governance structure which aims to assess the
kecukupan struktur dan infrastruktur tata kelola adequacy of the Bank’s governance structure and
Bank agar proses pelaksanaan prinsip tata kelola infrastructure so that the process of implementing
menghasilkan outcome yang sesuai dengan harapan governance principles produces outcomes that are in
stakeholders Bank. line with the expectations of the Bank’s stakeholders.
2. Governance Process yang bertujuan untuk menilai 2. Governance process which aims to assess the
efektivitas proses pelaksanaan prinsip tata kelola yang effectiveness of the process of implementing
didukung oleh kecukupan struktur dan infrastruktur governance principles supported by the adequacy of
tata kelola Bank sehingga menghasilkan outcome yang the Bank’s governance structure and infrastructure
sesuai dengan harapan stakeholders Bank. so as to produce outcomes in accordance with the
expectations of the Bank’s stakeholder.
3. Governance Outcome yang bertujuan untuk menilai 3. Governance outcome which aims to assess the results
hasil pelaksanaan sistem dan mekanisme Perusahaan of the implementation of the Company’s systems
dalam menerapkan tata kelola yang diukur melalui hasil and mechanisms in implementing governance as
pelaksanaan implementasi tata kelola. measured through the results of the implementation of
governance implementation.
Adapun penilaian tersebut dilakukan berdasarkan POJK The assessment is carried out based on POJK Number 17
Nomor 17 Tahun 2023 tentang penerapan tata kelola bagi of 2023 concerning the implementation of governance for
bank umum dan SEOJK Nomor 13/SEOJK.03/2017 tentang commercial banks and SEOJK Number 13 /SEOJK.03/2017
penerapan tata kelola bagi bank umum yang mengukur concerning the implementation of governance for
pelaksanaan tata kelola dari 11 aspek yaitu: commercial banks which measures the implementation of
governance from 11 aspects, namely:
a. Pelaksanaan tugas dan tanggung jawab Dewan a. Implementation of duties and responsibilities of the
Komisaris. Board of Commissioners.
b. Pelaksanaan tugas dan tanggung jawab Direksi. b. Implementation of duties and responsibilities of the
Board of Directors.
c. Kelengkapan dan pelaksanaan tugas Komite. c. Completeness and implementation of the Committee’s
duties.
162 Laporan Tahunan 2023 Annual Report
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d. Penanganan benturan kepentingan. d. Handling of conflict of interest.
e. Penerapan fungsi kepatuhan. e. Implementation of compliance function.
f. Penerapan fungsi audit intern. f. Implementation of internal audit function.
g. Penerapan fungsi audit ekstern. g. Implementation of external audit function.
h. Penerapan manajemen risiko termasuk sistem h. Implementation of risk management including internal
pengendalian intern. control system.
i. Penyediaan dana kepada pihak terkait (related parties) i. Provision of funds to related parties and provision of
dan penyediaan dana besar (large exposure). large funds (large exposure).
j. Transparansi kondisi keuangan dan non keuangan Bank, j. Transparency of the Bank’s financial and non-financial
laporan pelaksanaan Good Corporate Governance dan conditions, reports on the implementation of Good
pelaporan internal. Corporate Governance and internal reporting.
k. Rencana Strategis Bank. k. Bank Strategic Plan.
Berdasarkan aspek-aspek tersebut, OK BANK menetapkan Based on these aspects, OK BANK determined
skor implementasi pelaksanaan tata kelola tahun 2023 the implementation score of the 2023 governance
sebagai berikut: implementation as follows:
Hasil Penilaian Sendiri (Self-Assessment) Pelaksanaan Tata Kelola
Outcome of Governance Implementation Self-Assessment
Peringkat Definisi Peringkat
Ranking Definition of Ranking
Manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum BAIK. Hal ini tercermin dari
pemenuhan yang memadai atas prinsip-prinsip Tata Kelola. Apabila terdapat kelemahan dalam penerapan
prinsip Tata Kelola, maka secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan
tindakan normal oleh manajemen Bank.
Individual 2
The Bank's management has implemented generally GOOD governance. This is reflected in the adequate
fulfilment of the Governance principles. If there are weaknesses in the implementation of Governance
principles, then in general these weaknesses are less significant and can be resolved with normal actions by
the Bank's management.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan badan The General Meeting of Shareholders (GMS) is the supreme
pengambil keputusan tertinggi dalam Bank dan memiliki decision-making body of the Bank and has powers not
wewenang yang tidak dimiliki oleh Dewan Komisaris vested in the Board of Commissioners or the Board of
ataupun Direksi. RUPS juga merupakan sarana bagi para Directors. The GMS is also a means for shareholders to
pemegang saham untuk mengambil keputusan penting make important and strategic decisions related to the
dan strategis terkait keberlanjutan jangka panjang Bank, long-term sustainability of the Bank, taking into account
dengan memperhatikan ketentuan Anggaran Dasar dan the provisions of the Articles of Association and applicable
peraturan perundang-undangan yang berlaku, termasuk laws and regulations, including approving amendments
menyetujui perubahan Anggaran Dasar, membagi dividen to the Articles of Association, dividend distribution and
dan laporan tahunan. RUPS juga memiliki wewenang untuk annual reports. The GMS also has the authority to appoint
menunjuk dan memberhentikan anggota Dewan Komisaris and dismiss members of the Board of Commissioners and
dan Direksi, mendelegasikan wewenang kepada Dewan the Board of Directors, delegate authority to the Board
Komisaris dan Direksi serta mengambil keputusan terkait of Commissioners and the Board of Directors and make
tindakan Bank yang membutuhkan persetujuan pemegang decisions regarding Bank actions that require shareholder
saham. approval.
PT BANK OKE INDONESIA Tbk 163
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Tata Kelola Perusahaan
Corporate Governance
RUPS meliputi RUPS Tahunan (RUPST), yang diadakan satu GMS includes Annual GMS (AGMS), which is held once a
kali dalam satu tahun dan RUPS Luar Biasa (RUPSLB), yang year and Extraordinary GMS (EGMS), which can be held at
dapat diadakan kapan saja berdasarkan kebutuhan Bank. any time based on the needs of the Bank. The results and
Hasil dan keputusan RUPS akan diterapkan secara wajar resolutions of the GMS will be implemented in a fair and
dan transparan. Namun, RUPS dan pemegang saham tidak transparent manner. However, the GMS and shareholders
berwenang untuk melakukan intervensi dalam pelaksanaan are not authorized to intervene in the implementation
tugas, fungsi dan otoritas Dewan Komisaris dan Direksi of duties, functions and authorities of the Board of
dalam menjalankan kewajibannya dan menggunakan Commissioners and Board of Directors in performing their
haknya sesuai dengan Anggaran Dasar dan peraturan yang obligations and exercising their rights in accordance with
berlaku. the Articles of Association and applicable regulations.
DASAR HUKUM PENYELENGGARAAN RUPS LEGAL BASIS FOR ORGANISING AGM
Penyelenggaraan RUPS mengacu pada ketentuan peraturan The organization of the GMS refers to the provisions of
perundang-undangan sebagai berikut: laws and regulations as follows:
1. Undang Undang Nomor 40 tahun 2007 tentang 1. Law Number 40 of 2007 on Limited Liability Companies.
Perseroan Terbatas.
2. Peraturan Otoritas Jasa Keuangan Nomor 15/ 2. Financial Services Authority Regulation Number 15/
POJK.04/2020 tentang Perencanaan dan Pelaksanaan POJK.04/2020 on the Planning and Implementation of
Rapat Umum Pemegang Saham Perusahaan Publik. General Meeting of Shareholders of Public Companies.
3. Peraturan Otoritas Jasa Keuangan Nomor 16/ 3. Financial Services Authority Regulation Number 16/
POJK.04/2020 tentang Pelaksanaan Rapat Umum POJK.04/2020 regarding the Implementation of the
Pemegang Saham Perusahaan Publik secara Elektronik. General Meeting of Shareholders of Public Companies
Electronically.
HAK DAN WEWENANG PEMEGANG SAHAM RIGHTS AND AUTHORITIES OF SHAREHOLDERS
DALAM RUPS IN THE GMS
Pemegang Saham Perseroan memiliki hak untuk menghadiri Shareholders of the Company have the right to attend
RUPS baik sendiri maupun diwakilkan dengan menggunakan the GMS either in person or by proxy by using a Power of
Surat Kuasa, yang tersedia di Situs Web resmi bersamaan Attorney, which is available on the official Website at the
dengan Pemanggilan RUPS. same time as the GMS Invitation.
Berdasarkan Anggaran Dasar, RUPS memiliki kewenangan Based on the Articles of Association, the GMS has the
sebagai berikut sesuai dengan peraturan dan perundang- following authorities in accordance with the prevailing laws
undangan yang berlaku, antara lain: and regulations, among others:
1. Memberikan persetujuan atas Laporan Tahunan 1. To approve the Annual Report on the Company’s
mengenai jalannya aktivitas usaha Perseroan serta business activities and the Board of Commissioners’
Laporan Kegiatan Pengawasan Dewan Komisaris Supervisory Activities Report during the financial year
selama tahun buku tersebut yang dimuat dalam as contained in the Company’s Annual Report.
Laporan Tahunan Perseroan.
2. Mengesahkan laporan keuangan yang terdiri dari neraca 2. To ratify the financial statements consisting of the
akhir tahun buku, perhitungan laba rugi dari tahun buku balance sheet at the end of the financial year, profit
yang bersangkutan yang telah diperiksa oleh Akuntan and loss account of the financial year which have been
Publik. examined by a Public Accountant.
3. Memberikan persetujuan atas usulan penggunaan laba 3. To approve the proposed utilization of the Company’s
Perseroan. profit.
4. Melakukan penunjukan atau memberikan kewenangan 4. To appoint or authorise the Board of Commissioners to
kepada Dewan Komisaris untuk menunjuk Akuntan appoint a Public Accountant for the current year.
Publik untuk tahun berjalan.
164 Laporan Tahunan 2023 Annual Report
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5. Mengangkat dan/atau memberhentikan anggota 5. Appoint and/or dismiss members of the Company’s
Direksi dan Dewan Komisaris Perseroan. Board of Directors and Board of Commissioners.
6. Menentukan remunerasi untuk anggota Direksi dan 6. Determine remuneration for members of the Board of
Dewan Komisaris. Directors and Board of Commissioners.
7. Menyetujui mata acara lain dalam RUPS yang diusulkan 7. Approve other proposed agenda items in the GMS
sesuai dengan ketentuan Anggaran Dasar. in accordance with the provisions of the Articles of
Association.
Selain itu Pemegang Saham juga memiliki hak sebagai In addition, Shareholders also have the following rights
berikut melalui RUPS Luar Biasa: through an Extraordinary GMS:
1. Menyetujui penggabungan, peleburan, 1. Approve the merger, consolidation, acquisition,
pengambilalihan, pemisahan, pengajuan permohonan separation, filing of bankruptcy petition of the
pailit atas Perseroan, perpanjangan atas jangka waktu Company, extension of the period of incorporation of
berdirinya Perseroan, pembubaran dan likuidasi. the Company, dissolution and liquidation.
2. Mengangkat dan memberhentikan anggota Direksi 2. Appoint and dismiss members of the Board of Directors
dan/atau Dewan Komisaris; and/or Board of Commissioners;
3. Mengesahkan perubahan Anggaran Dasar; 3. Ratify the amendment to the Articles of Association;
4. Menyetujui penambahan Modal Dasar dan/atau Modal 4. Approve the addition to Authorized Capital and/or
Disetor dan Ditempatkan; Paid-up and Issued Capital;
5. Menyetujui transaksi material berdasarkan batas 5. Approving material transactions based on the limit of
kewenangan yang diatur dalam peraturan perundang- authority stipulated in laws and regulations and/or
undangan dan/atau perubahan kegiatan usaha; changes in business activities;
6. Menyetujui pengeluaran saham baru dalam simpanan 6. Approve the issuance of new shares in the depository
(portepel); (portepel);
7. Menyetujui rencana untuk memperoleh dan 7. Approve plans for raising and using proceeds from
menggunakan hasil dari kegiatan-kegiatan pendanaan; funding activities;
8. Memberikan persetujuan atas aksi korporasi sesuai 8. To approve corporate actions in accordance with the
dengan peraturan perundang-undangan yang berlaku. prevailing laws and regulations.
9. Khusus untuk transaksi yang mengandung benturan 9. Specifically for transactions that contain conflicts
kepentingan, maka wajib disetujui oleh Pemegang of interest, it must be approved by Independent
Saham Independen atau wakilnya yang diberikan Shareholders or their representatives with authorization
kewenangan dalam RUPS. from the GMS.
PERLAKUAN SETARA KEPADA PEMEGANG SAHAM EQUAL TREATMENT OF SHAREHOLDERS
Perseroan memberlakukan kesetaraan perlakuan terhadap The Company applies equal treatment to all shareholders
seluruh pemegang saham melalui ketersediaan Informasi through the availability of the same information to
yang sama kepada para Pemegang Saham serta melalui the Shareholders as well as through the counting of
penghitungan suara yang dilaksanakan berdasarkan hak votes carried out based on the voting rights held by the
suara yang dimiliki oleh Pemegang Saham sesuai dengan Shareholders in accordance with the portion of their share
porsi kepemilikan sahamnya. ownership.
PT BANK OKE INDONESIA Tbk 165
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Tata Kelola Perusahaan
Corporate Governance
PELAKSANAAN RUPS TAHUN 2023 IMPLEMENTATION OF THE 2023 ANNUAL
GENERAL MEETING
Sepanjang tahun 2023 OK BANK menyelenggarakan 2 (dua) Throughout 2023 OK BANK held 2 (two) GMS, namely the
kali RUPS, yaitu RUPS Tahunan dan RUPS Luar Biasa yang Annual GMS and Extraordinary GMS held simultaneously on
diselenggarakan secara bersamaan pada tanggal 11 Mei May 11, 2023.
2023.
RUPS Tahunan 2023 tersebut diselenggarakan pada tanggal The 2023 Annual General Meeting was held on 11 May 2023,
11 Mei 2023, bertempat di Gedung PT Bank Oke Indonesia, at the PT Bank Oke Indonesia, Tbk. Building, Jl. Ir. H. Juanda
Tbk., Jl. Ir. H. Juanda No. 12 Lantai 2 Jakarta Pusat 10120. No. 12 2nd Floor, Central Jakarta 10120. The mechanism for
Mekanisme penyelenggaraan RUPS tersebut telah sesuai organizing the GMS is in accordance with the provisions of
dengan ketentuan Nomor 15/POJK.04/2020. POJK 15/2020.
RUPS Luar Biasa 2023 tersebut juga diselenggarakan pada The 2023 Extraordinary GMS was also held on 11 May 2023,
tanggal 11 Mei 2023, bertempat di Gedung PT Bank Oke at the PT Bank Oke Indonesia, Tbk. Building, Jl. Ir. H. Juanda
Indonesia, Tbk., Jl. Ir. H. Juanda No. 12 Lantai 2 Jakarta Pusat No. 12 2nd Floor, Central Jakarta 10120. The mechanism for
10120. Mekanisme penyelenggaraan RUPS tersebut telah organi the GMS is in accordance with the provisions of
sesuai dengan ketentuan Nomor 15/POJK.04/2020. POJK 15/2020.
RUPS TAHUNAN 11 MEI 2023 ANNUAL GMS 11 MAY 2023
Kuorum dan Kehadiran Pemegang Saham Shareholders’ Quorum and Attendance
Untuk seluruh mata acara Rapat, berlaku ketentuan kuorum For the entire agenda of the Meeting, the quorum provisions
sebagaimana diatur dalam Pasal 14 ayat (2) dan ayat (3) as stipulated in Article 14 paragraph (2) and paragraph (3) of
Anggaran Dasar Perseroan, Pasal 41 ayat (1) Nomor 15/ the Company’s Articles of Association, Article 41 paragraph
POJK.04/2020 tentang Perencanaan dan Pelaksanaan Rapat (1) Number 15/POJK.04/2020 concerning Planning and
Umum Pemegang Saham Perusahaan Publik dan/atau Pasal Implementation of General Meeting of Shareholders of Public
86 ayat (1) Undang-Undang Nomor 40 Tahun 2007 tentang Companies and/or Article 86 paragraph (1) of Law Number 40
Perseroan Terbatas, bahwa Rapat dapat diselenggarakan of 2007 concerning Limited Liability Companies apply, that the
apabila dihadiri dan/atau diwakilkan oleh pemegang saham Meeting may be convened if attended and/or represented
Perseroan atau kuasanya yang sah yang mewakili lebih dari by shareholders of the Company or their authorized proxies
(1/2) satu per dua bagian dari jumlah seluruh saham dengan representing more than (1/2) one-half of the total number of
hak suara yang sah yang telah dikeluarkan oleh Perseroan. shares with valid voting rights issued by the Company.
RUPST dihadiri oleh para pemegang saham dan/atau The AGMS was attended by shareholders and/or proxy
kuasa pemegang saham Perseroan yang sah berjumlah of shareholders of the Company totalling 15,913,697,243
15.913.697.243 (lima belas miliar sembilan ratus tiga belas (fifteen billion nine hundred thirteen million six hundred
juta enam ratus sembilan puluh tujuh ribu dua ratus empat ninety-seven thousand two hundred forty-three) shares,
puluh tiga) lembar saham atau sebesar 94,296 % (sembilan or 94.296% (ninety-four point two nine six per cent) of the
puluh empat koma dua sembilan enam persen) saham, total number of shares with valid voting rights issued by
dari seluruh jumlah saham dengan hak suara yang sah the Company. Therefore, the AGMS has fulfilled the quorum
yang telah dikeluarkan oleh Perseroan. Sehingga dengan and can make valid and binding decisions regarding the
demikian RUPST tersebut telah memenuhi kuorum dan agenda of the Meeting that has been scheduled.
dapat mengambil keputusan secara sah dan mengikat
mengenai agenda Rapat yang telah diagendakan.
Lembaga dan Profesi Penunjang Independen Independent Supporting Institutions and Professionals
Pihak Independen yang Melakukan Penghitungan dan/ Independent Party Conducting Vote Counting and/
atau Validasi Suara dalam RUPST tahun 2023 adalah PT or Validation in the 2023 AGMS is PT Ficomindo Buana
Ficomindo Buana Registra selaku Biro Administrasi Efek dan Registra as the Securities Administration Bureau and the
Perseroan telah menunjuk Pihak Independen yaitu Agung Company has appointed an Independent Party, namely
Iriantoro, SH, MH selaku Notaris Publik untuk melakukan Agung Iriantoro, SH, MH as a Public Notary to verify the
verifikasi penghitungan suara tersebut. vote count.
166 Laporan Tahunan 2023 Annual Report
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Kehadiran Dewan Komisaris dan Direksi dalam RUPST Attendance of the Board of Commissioners and Directors
2023 in the 2023 AGMS
RUPST dipimpin oleh Ibu Sondang Martha Samosir selaku The AGMS was chaired by Ms. Sondang Martha Samosir as
Komisaris Independen. Independent Commissioner.
Anggota Direksi dan Dewan Komisaris yang turut hadir All members of the Board of Directors and Board of
dalam RUPST dan RUPSLB seluruhnya hadir secara fisik, Commissioners who attended the AGMS and EGMS were
kecuali Komisaris Utama melalui zoom. physically present, except for the President Commissioner
through zoom.
Direksi: Board of Directors:
Direktur Utama : Park Young Man President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Kepatuhan : Efdinal Alamsyah Compliance Director : Efdinal Alamsyah
Dewan Komisaris: Board of Commissioners:
Komisaris Utama : Lim Cheol Jin President Commissioner : Lim Cheol Jin
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
Agenda dan Keputusan RUPS Tahunan 2023 serta Agenda and Resolutions of the 2023 Annual GMS and their
Realisasinya Realization
Agenda Pertama First Agenda
Persetujuan dan pengesahan Laporan Tahunan Perseroan tahun 2022 Approval and ratification of the Company’s Annual Report 2022,
termasuk Laporan Direksi tentang kinerja Perseroan untuk tahun buku including the Directors’ Report on the Company’s performance for the
yang berakhir pada tanggal 31 Desember 2022, Laporan Pengawasan financial year ended 31 December 2022, the Commissioners’ Supervisory
Komisaris, Laporan Posisi Keuangan dan Perhitungan Laba/Rugi untuk Report, the Financial Position Report and Profit/Loss Calculation for the
tahun buku yang berakhir tanggal 31 Desember 2022 dan pemberian financial year ended 31 December 2022, and to release and discharge of
pelunasan serta pembebasan tanggung jawab (acquit et de charge) all responsibilities (acquit et de charge) to all Board members for the
kepada anggota Direksi dan Dewan Komisaris atas tindakan pengurusan management and supervision carried out in the financial year ended 31
dan pengawasan dalam tahun buku yang berakhir pada tanggal 31 December 2022.
Desember 2022.
Keputusan Resolution
Menyetujui dan mengesahkan Laporan Tahunan Perseroan tahun 2022 To approve and ratify the Company’s Annual Report for 2022 including:
termasuk: - Directors’ Report on the Company’s performance and Commissioners’
- Laporan Direksi tentang kinerja Perseroan dan Laporan Pengawasan Supervisory Report;
Komisaris - Report on Financial Position and Calculation of Loss/Profit for the
- Laporan Posisi Keuangan dan Perhitungan Rugi/Laba untuk tahun financial year ended 31 December 2022 which has been audited by
buku yang berakhir tanggal 31 Desember 2022 yang telah diaudit Public Accounting Firm Paul Hadiwinata, Hidajat, Arsono, Retno,
oleh Kantor Akuntan Publik Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan in accordance with report number 00303/ 2.1133/
Palilingan & Rekan sesuai dengan laporan nomor 00303/2.1133/ AU.1/07/ 1244-2/1/III/2023 and to grant full release and discharge
AU.1/07/ 1244-2/1/III/2023 serta memberikan pelunasan dan (acquit et de charge) to all members of the Board of Directors for their
pembebasan tanggung jawab sepenuhnya (acquit et de charge) management actions and members of the Board of Commissioners for
bagi seluruh anggota Direksi atas tindakan pengurusan dan anggota their supervisory actions during the financial year 2022, to the extent
Dewan Komisaris Perseroan atas tindakan pengawasannya selama that such actions are reflected in the annual report and financial
tahun buku 2022, sejauh tindakan tersebut tercermin dalam laporan statements.
tahunan dan laporan keuangan.
Realisasi Realization
Sudah Direalisasikan Already Realized
PT BANK OKE INDONESIA Tbk 167
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Tata Kelola Perusahaan
Corporate Governance
Agenda dan Keputusan RUPS Tahunan 2023 serta Agenda and Resolutions of the 2023 Annual GMS and their
Realisasinya Realization
Agenda Kedua Second Agenda
Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir Determination of the use of the Company’s profit for the financial year
pada tanggal 31 Desember 2022. ending 31 December 2022.
Keputusan Resolution
Menyetujui penetapan penggunaan laba Perseroan untuk tahun buku Approved the determination of the use of the Company’s profit for the
yang berakhir pada tanggal 31 Desember 2022, sebesar 13.210.181.959,00 financial year ending 31 December 2022, amounting to 13,210,181,959.00
(tiga belas miliar dua ratus sepuluh juta seratus delapan puluh satu (thirteen billion two hundred ten million one hundred eighty-one
ribu sembilan ratus lima puluh sembilan rupiah) serta pemberian kuasa thousand nine hundred fifty-nine rupiah) and authorized the Board of
kepada Direksi Perseroan untuk melakukan segala tindakan yang Directors of the Company to take all necessary actions, as stated as
diperlukan, sebagaimana telah dikemukakan sebagai berikut: follows:
* Sampai dengan 20% (dua puluh persen) disisihkan sebagai cadangan. * Up to 20% (twenty per cent) set aside as reserves.
* Sisanya masuk ke saldo laba tahun lalu untuk memperkuat struktur * The remainder went into last year’s retained earnings to strengthen
permodalan perseroan. the company’s capital structure.
Untuk keputusan agenda kedua ini terdapat suara abstain sebanyak 100 For the resolution of this second agenda, there were abstain votes as
(seratus) lembar saham atau 0,000000628% (nol koma nol nol nol nol nol many as 100 (one hundred) shares or 0.000000628% (zero point zero
nol enam ratus dua puluh delapan persen) sedangkan suara yang setuju zero zero zero six hundred twenty eight per cent) while the votes in
sebanyak 15.913.697.143 (lima belas miliar sembilan ratus tiga belas juta favor were 15,913,697,143 (fifteen billion nine hundred thirteen million
enam ratus sembilan puluh tujuh ribu seratus empat puluh tiga) lembar six hundred ninety seven thousand one hundred forty three) shares or
saham atau 99,999994% (sembilan puluh sembilan koma sembilan ratus 99.999994% (ninety nine point nine hundred ninety nine thousand nine
sembilan puluh sembilan ribu sembilan ratus sembilan puluh empat hundred ninety four per cent).
persen).
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Ketiga Third Agenda
Penunjukan Akuntan Publik yang akan memeriksa laporan keuangan Appointment of a Public Accountant to audit the Company’s financial
Perseroan untuk tahun buku yang akan berakhir pada tanggal 31 statements for the financial year ending 31 December 2023.
Desember 2023.
Keputusan Resolution
Menyetujui penunjukan Akuntan Publik dan Kantor Akuntan Publik yang Approve the appointment of a Public Accountant and Public Accounting
akan memeriksa Laporan Keuangan yang akan berakhir pada tanggal Firm that will examine the Financial Statements that will end on 31
31 Desember 2023, yang penunjukannya dikuasakan kepada Dewan December 2023, whose appointment is authorized to the Board of
Komisaris termasuk namun tidak terbatas pada besaran honorariumnya. Commissioners including but not limited to the amount of honorarium.
Penunjukan akuntan publik harus memperhatikan rekomendasi dari The appointment of a public accountant must take into account the
komite audit. recommendations of the Audit Committee.
Untuk keputusan agenda ketiga ini terdapat suara abstain sebanyak 100 For this third agenda decision, there were abstain votes as many as
(seratus) lembar saham atau 0,000000628% (nol koma nol nol nol nol nol 100 (one hundred) shares or 0.000000628% (zero point zero zero zero
nol enam ratus dua puluh delapan persen) sedangkan suara yang setuju zero six hundred twenty-eight per cent) while the votes in favor were
sebanyak 15.913.697.143 (lima belas miliar sembilan ratus tiga belas juta 15,913,697,143 (fifteen billion nine hundred thirteen million six hundred
enam ratus sembilan puluh tujuh ribu seratus empat puluh tiga) lembar ninety-seven thousand one hundred forty-three) shares or 99.999994%
saham atau 99,999994% (sembilan puluh sembilan koma sembilan ratus (ninety-nine point nine hundred ninety-nine thousand nine hundred
sembilan puluh sembilan ribu sembilan ratus sembilan puluh empat ninety-four per cent).
persen)
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Keempat Fourth Agenda
Laporan pertanggungjawaban realisasi penggunaan dana hasil Accountability report on the utilization of proceeds from the public
penawaran umum. offering.
Keputusan Resolution
Menyetujui dan menerima laporan pertanggungjawaban realisasi Approved and accepted the accountability report on the utilization of
penggunaan dana hasil penawaran umum yaitu: proceeds from the public offering, namely:
- Penggunaan dana PUT IV sebesar Rp498.258.131.380,00 (empat ratus - use of PUT IV funds amounting to Rp498,258,131,380.00 (four hundred
sembilan puluh delapan miliar dua ratus lima puluh delapan juta ninety-eight billion two hundred fifty-eight million one hundred
seratus tiga puluh satu ribu tiga ratus delapan puluh rupiah) yang thirty-one thousand three hundred eighty rupiah) which has been
seluruhnya telah direalisasikan. fully realized.
Untuk keputusan agenda keempat ini terdapat suara abstain sebanyak For the resolution of the fourth agenda, there were abstain votes as
100 (seratus) lembar saham atau 0,000000628% (nol koma nol nol nol many as 100 (one hundred) shares or 0.000000628% (zero point zero
nol nol nol enam ratus dua puluh delapan persen) sedangkan suara zero zero zero six hundred twenty eight per cent) while the votes in
yang setuju sebanyak 15.913.697.143 (lima belas miliar sembilan ratus tiga favor were 15,913,697,143 (fifteen billion nine hundred thirteen million
belas juta enam ratus sembilan puluh tujuh ribu seratus empat puluh six hundred ninety seven thousand one hundred forty three) shares or
tiga) lembar saham atau 99,999994% (sembilan puluh sembilan koma 99.999994% (ninety nine point nine hundred ninety nine thousand nine
sembilan ratus sembilan puluh sembilan ribu sembilan ratus sembilan hundred ninety four per cent).)
puluh empat persen)
Realisasi Realization
Sudah Direalisasikan Already Realized
168 Laporan Tahunan 2023 Annual Report
Page 171
Agenda dan Keputusan RUPS Tahunan 2023 serta Agenda and Resolutions of the 2023 Annual GMS and their
Realisasinya Realization
Agenda Kelima Fifth Agenda
Penetapan gaji dan honorarium Direksi dan Dewan Komisaris PT Bank Determination of salary and honorarium of Board of Directors and Board
Oke Indonesia, Tbk. of Commissioners of PT Bank Oke Indonesia, Tbk.
Keputusan Resolution
Menyetujui penetapan gaji dan honorarium Direksi dan Dewan Komisaris Approved the determination of the salary and honorarium of the Board
PT Bank Oke Indonesia, Tbk. dengan memberikan kuasa serta wewenang of Directors and Board of Commissioners of PT Bank Oke Indonesia,
kepada Dewan Komisaris untuk melakukan peninjauan kembali besarnya Tbk. by granting power and authority to the Board of Commissioners to
gaji dan honorarium bagi anggota Direksi dan Dewan Komisaris review the amount of salary and honorarium for members of the Board
Perseroan. of Directors and Board of Commissioners of the Company.
Untuk keputusan agenda kelima ini terdapat suara abstain sebanyak 100 For the resolution of the fifth agenda, there were abstain votes as many
(seratus) lembar saham atau 0,000000628% (nol koma nol nol nol nol nol as 100 (one hundred) shares or 0.000000628% (zero point zero zero zero
nol enam ratus dua puluh delapan persen) sedangkan suara yang setuju zero six hundred twenty eight per cent) while the votes in favor were
sebanyak 15.913.697.143 (lima belas miliar sembilan ratus tiga belas juta 15,913,697,143 (fifteen billion nine hundred thirteen million six hundred
enam ratus sembilan puluh tujuh ribu seratus empat puluh tiga) lembar ninety seven thousand one hundred forty three) shares or 99.999994%
saham atau 99,999994% (sembilan puluh sembilan koma sembilan ratus (ninety nine point nine hundred ninety nine thousand nine hundred
sembilan puluh sembilan ribu sembilan ratus sembilan puluh empat ninety four per cent).
persen)
Realisasi Realization
Sudah Direalisasikan Already Realized
RUPS Luar Biasa 11 Mei 2023 Extraordinary GMS 11 May 2023
Kuorum dan Kehadiran Pemegang Saham Shareholders’ Quorum and Attendance
Pada mata acara tunggal RUPSLB berlaku ketentuan kuorum With regard to the only item on the agenda of the General
sebagaimana diatur dalam Pasal 14 ayat (2) dan ayat (3) Meeting, the quorum requirements pursuant to Article 14
Anggaran Dasar Perseroan, Pasal 41 ayat (1) Nomor 15/ (2) and (3) of the Articles of Association of the Company,
POJK.04/2020 tentang Perencanaan dan Pelaksanaan Rapat Article 41 (1) Number 15/POJK.04/2020 concerning Planning
Umum Pemegang Saham Perusahaan Publik dan/atau Pasal and Implementation of General Meeting of Shareholders of
86 ayat (1) Undang-Undang Nomor 40 Tahun 2007 tentang Public Companie and/or Article 86 (1) of Law Number 40
Perseroan Terbatas, bahwa Rapat dapat diselenggarakan of 2007 on Limited Liability Companies, that the General
apabila dihadiri dan/atau diwakilkan oleh pemegang saham Meeting may be held if attended and/or represented
Perseroan atau kuasanya yang sah yang mewakili lebih dari by shareholders of the Company or their authorized
(1/2) satu per dua bagian dari jumlah seluruh saham dengan representatives representing more than (1/2) of the total
hak suara yang sah yang telah dikeluarkan oleh Perseroan. number of shares with valid voting rights issued by the
Company.
RUPSLB dihadiri oleh para pemegang saham dan/atau The EGMS was attended by shareholders and/or proxies
kuasa pemegang saham Perseroan yang sah berjumlah of shareholders of the Company totalling 15,913,697,143
15.913.697.143 (lima belas miliar sembilan ratus tiga belas (fifteen billion nine hundred thirteen million six hundred
juta enam ratus sembilan puluh tujuh ribu seratus empat ninety-seven thousand one hundred forty-three) shares
puluh tiga) lembar saham atau sebesar 94,296 % (sembilan or 94.296% (ninety-four point two nine six per cent) of the
puluh empat koma dua sembilan enam persen) saham, dari total number of shares with valid voting rights issued by
seluruh jumlah saham dengan hak suara yang sah yang telah the Company. Therefore, the EGMS has fulfilled the quorum
dikeluarkan oleh Perseroan. Sehingga dengan demikian and can make valid and binding decisions regarding the
RUPSLB tersebut telah memenuhi kuorum dan dapat agenda of the Meeting that has been scheduled.
mengambil keputusan secara sah dan mengikat mengenai
agenda Rapat yang telah diagendakan.
Lembaga dan Profesi Penunjang Independen Independent Supporting Institutions and Professions
Pihak Independen yang Melakukan Penghitungan dan/ Independent Party Conducting Vote Counting and/or
atau Validasi Suara dalam RUPSLB tahun 2023 adalah PT Validation in the EGMS 2023 is PT Ficomindo Buana Registra
Ficomindo Buana Registra selaku Biro Administrasi Efek dan as the Securities Administration Bureau and the Company
Perseroan telah menunjuk pihak independen yaitu Agung has appointed an independent party, namely Agung
Iriantoro, SH, MH selaku Notaris Publik untuk melakukan Iriantoro, SH, MH as a Public Notary to verify the vote count.
verifikasi penghitungan suara tersebut.
PT BANK OKE INDONESIA Tbk 169
Page 172
Tata Kelola Perusahaan
Corporate Governance
Kehadiran Dewan Komisaris dan Direksi dalam RUPSLB Attendance of the Board of Commissioners and Directors
2023 in the 2023 EGMS
RUPSLB dipimpin oleh Ibu Sondang Martha Samosir selaku The EGMS was chaired by Ms. Sondang Martha Samosir as
Komisaris Independen. Independent Commissioner.
Anggota Direksi dan Dewan Komisaris yang turut hadir All members of the Board of Directors and Board of
dalam RUPST dan RUPSLB seluruhnya hadir secara fisik, Commissioners who attended the AGMS and EGMS were
kecuali Komisaris Utama melalui zoom: physically present, except for the President Commissioner
through zoom:
Direksi: Board of Directors:
Direktur Utama : Park Young Man President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie Vice President Director : Hendra Lie
Direktur Kepatuhan : Efdinal Alamsyah Director of Compliance : Efdinal Alamsyah
Dewan Komisaris: Board of Commissioners:
Komisaris Utama : Lim Cheol Jin President Commissioner : Lim Cheol Jin
Komisaris Independen : Sondang Martha Samosir Independent Commissioner : Sondang Martha Samosir
Agenda, Keputusan RUPS Luar Biasa 11 Mei 2023 dan Agenda, Resolutions of Extraordinary GMS 11 May 2023 and
Realisasinya their Realization
Agenda Pertama First Agenda
Perubahan susunan pengurus PT Bank Oke Indonesia, Tbk. Changes in the composition of the management of PT Bank Oke
Indonesia, Tbk.
Keputusan Resolution
1. Menyetujui untuk memberhentikan dengan hormat Sdr. Idham Aziz 1. Approved to respectfully dismiss Mr. Idham Aziz as Independent
selaku Komisaris Independen, dan berlaku efektif sejak RUPSLB ini Commissioner, effective as of the closing of this EGMS.
ditutup.
2. Menyetujui untuk memberhentikan dengan hormat Sdr. Kim 2. Approved to respectfully dismiss Mr. Kim Seongtaek as Credit
Seongtaek selaku Direktur Kredit, dan berlaku efektif sejak RUPSLB ini Director, effective as of the closing of this EGMS.
ditutup.
3. Menyetujui untuk memberhentikan dengan hormat Sdr. Joyo selaku 3. Approved to respectfully dismiss Mr. Joyo as Director of Operations,
Direktur Operasional, dan berlaku efekftif sejak RUPSLB ini ditutup. effective as of the closing of this EGMS.
4. Menyetujui untuk mengangkat Sdr. Chairudin selaku Komisaris 4. Approved the appointment of Mr. Chairudin as Independent
Independen dan akan berlaku efektif setelah mendapatkan Commissioner and will take effect upon approval by the Financial
persetujuan dari Otoritas Jasa Keuangan (OJK). Services Authority (OJK).
5. Menyetujui untuk mengangkat Sdr. Inhyo Wang selaku Direktur Kredit 5. Approved the appointment of Mr. Inhyo Wang as Director of Credit
dan IT dan akan berlaku efektif setelah mendapatkan persetujuan dari and IT, effective upon approval by the Financial Services Authority
Otoritas Jasa Keuangan (OJK), dan instansi berwenang lainnya. (OJK) and other relevant authorities.
6. Menyetujui untuk mengangkat Sdri. Vincentia M. Djuniwati Wijaya 6. Approved the appointment of Ms. Vincentia M. Djuniwati Wijaya as
sebagai Direktur Bisnis dan akan berlaku efektif setelah mendapatkan Managing Director, effective upon approval by the Financial Services
persetujuan dari Otoritas Jasa Keuangan (OJK). Authority (OJK).
7. Dengan demikian susunan kepengurusan PT Bank Oke Indonesia, Tbk. 7. Thus the composition of the management of PT Bank Oke Indonesia,
menjadi: Tbk. becomes:
170 Laporan Tahunan 2023 Annual Report
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Agenda, Keputusan RUPS Luar Biasa 11 Mei 2023 dan Agenda, Resolutions of Extraordinary GMS 11 May 2023 and
Realisasinya their Realization
DEWAN KOMISARIS: BOARD OF COMMISSIONERS:
Komisaris Utama : Lim Cheol Jin; President Commissioner : Lim Cheol Jin;
Komisaris Independen : Sondang Martha Samosir; Independent Commissioner : Sondang Martha Samosir;
Komisaris Independen : Chairudin* Independent Commissioner : Chairudin*
DIREKSI: BOARD OF DIRECTORS:
Direktur Utama : Park Young Man; President Director : Park Young Man;
Wakil Direktur Utama : Hendra Lie; Vice President Director : Hendra Lie;
Direktur Kredit dan IT : Inhyo Wang**; Director of Credit and IT : Inhyo Wang**;
Direktur Bisnis : Vincentia M. Djuniwati Wijaya*; Direktor of Business : Vincentia M. Djuniwati Wijaya*;
Direktur Kepatuhan : Efdinal Alamsyah. Director of Compliance : Efdinal Alamsyah.
Catatan: Note :
*) Akan efektif apabila sudah mendapatkan persetujuan dari OJK. *) Will be effective upon approval from OJK.
**) Akan efektif apabila sudah mendapatkan persetujuan dari OJK dan **) Will be effective upon approval from OJK and other regulator bodies.
instansi lainnya.
Menyetujui pemberian kuasa kepada Direksi Perseroan untuk Approved the authorization to the Board of Directors of the Company to
menyatakan segala keputusan dalam Agenda Rapat dalam suatu akta state all resolutions in the Meeting Agenda in a separate notarial deed,
notaris tersendiri, mengenai keputusan dalam agenda Rapat tersebut regarding the resolutions in the Meeting agenda above, including to
diatas termasuk untuk menegaskan kembali hasil keputusan Rapat reaffirm the resolutions of the Meeting above
tersebut diatas.
Realisasi Realization
Sudah Direalisasikan Already Realized
Keputusan dan Realisasi RUPS Tahunan Tahun sebelumnya Resolutions and Realization of Previous Year’s GMS
Keputusan RUPS Tahunan dan Realisasinya untuk Tahun Buku 2021 yang Resolution of the Annual GMS, held on 11 May 2022, and its Realization
diselenggarakan pada 11 Mei tahun 2022. for the Financial Year 2021.
Agenda Pertama First Agenda
Persetujuan dan pengesahan Laporan Tahunan Perseroan tahun 2021 Approval and ratification of the Company’s Annual Report 2021
termasuk Laporan Direksi tentang kinerja Perseroan untuk tahun buku including the Directors’ Report on the Company’s performance for the
yang berakhir pada tanggal 31 Desember 2021, Laporan Pengawasan financial year ended December 31, 2021, the Commissioners’ Supervisory
Komisaris, Laporan Posisi Keuangan dan Perhitungan Rugi/Laba untuk Report, the Financial Position Report and Profit/Loss Calculation for the
tahun buku yang berakhir tanggal 31 Desember 2021 dan pemberian financial year ended December 31, 2021 and to release and discharge of
pelunasan serta pembebasan tanggung jawab (acquit et de charge) all responsibilities(acquit et de charge) to all Board members for the
kepada anggota Direksi dan Dewan Komisaris atas tindakan pengurusan management and supervision carried out in the financial year ended
dan pengawasan dalam tahun buku yang berakhir pada tanggal 31 December 31, 2021.
Desember 2021
Keputusan Resolution
Persetujuan dan pengesahan Laporan Tahunan Perseroan tahun 2021 Approval and ratification of the Company’s Annual Report 2021 including:
termasuk:
- Laporan Direksi tentang kinerja Perseroan untuk tahun buku yang - Board of Directors’ Report on the Company’s performance for the
berakhir pada tanggal 31 Desember 2021, financial year ended 31 December 2021,
- Laporan Posisi Keuangan dan Perhitungan Rugi/Laba untuk tahun - Report on Financial Position and Calculation of Loss/Profit for the
buku yang berakhir tanggal 31 Desember 2021 yang telah diaudit fiscal year ended December 31, 2021 which has been audited by
oleh Kantor Akuntan Publik Paul Hadiwinata, Hidajat, Arsono, Retno, Public Accounting Firm Paul Hadiwinata, Hidajat, Arsono, Retno,
Palilingan & Rekan sesuai dengan laporan nomor 00270/2.1133/ Palilingan & Partners in accordance with report number 00270/2.1133/
AU.1/07/1244-1/1/III/2022 serta memberikan pelunasan dan AU.1/07/1244-1/1/III/2022 and to grant full release and discharge(acquit
pembebasan tanggung jawab sepenuhnya (acquit et de charge) et de charge) to all members of the Board of Directors for their
bagi seluruh anggota Direksi atas tindakan pengurusan dan anggota management actions and members of the Board of Commissioners of
Dewan Komisaris Perseroan atas tindakan pengawasannya selama the Company for their supervisory actions during the 2021 fiscal year,
tahun buku 2021, sejauh tindakan tersebut tercermin dalam laporan to the extent that such actions are reflected in the annual report and
tahunan dan laporan keuangan. financial statements.
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Kedua Second Agenda
Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir Determination on the use of the Company's profit for the financial year
pada tanggal 31 Desember 2021. ended on 31 December 2021.
Keputusan Resolution
Menyetujui penetapan penggunaan laba Perseroan untuk tahun buku Approved the determination of the use of the Company's profit for the
yang berakhir pada tanggal 31 Desember 2021, sebesar Rp17.460.307.203 financial year ended December 31, 2021, amounting to IDR17,460,307,203
(tujuh belas miliar empat ratus enam puluh juta tiga ratus tujuh ribu (seventeen billion four hundred sixty million three hundred seven
dua ratus tiga rupiah) serta pemberian kuasa kepada Direksi Perseroan thousand two hundred three rupiah) and authorized the Board of
untuk melakukan segala tindakan yang diperlukan, sebagaimana telah Directors of the Company to take all necessary actions, as stated as
dikemukakan sebagai berikut: follows:
• Sampai dengan 20% (dua puluh persen) disisihkan sebagai cadangan. • Up to 20% (twenty percent) shall be set aside as reserves.
• Sisanya masuk ke saldo laba tahun lalu untuk memperkuat struktur • The rest goes to last year's retained earnings to strengthen the
permodalan perseroan untuk memenuhi ketentuan OJK terkait company's capital structure to fulfill OJK regulations regarding
persyaratan modal minimum. minimum capital requirements.
PT BANK OKE INDONESIA Tbk 171
Page 174
Tata Kelola Perusahaan
Corporate Governance
Keputusan dan Realisasi RUPS Tahunan Tahun sebelumnya Resolutions and Realization of Previous Year’s GMS
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Ketiga Third Agenda
Penunjukan Akuntan Publik yang akan memeriksa laporan keuangan Appointment of a Public Accountant to audit the Company's financial
Perseroan untuk tahun buku yang akan berakhir pada tanggal 31 statements for the financial year ending 31 December 2021.
Desember 2021.
Keputusan Resolution
Menyetujui penunjukan Akuntan Publik dan Kantor Akuntan Publik yang Approve the appointment of a Public Accountant and Public
akan memeriksa Laporan Keuangan yang akan berakhir pada tanggal Accounting Firm that will examine the Financial Statements that will
31 Desember 2022, yang penunjukannya dikuasakan kepada Dewan end on December 31, 2022, whose appointment is authorized to the
Komisaris termasuk namun tidak terbatas pada besaran honorariumnya. Board of Commissioners including but not limited to the amount of
Penunjukan akuntan publik harus memperhatikan rekomendasi dari honorarium. The appointment of the public accountant must consider
komite audit. the recommendations of the audit committee.
Untuk keputusan agenda ketiga ini terdapat suara abstain sebanyak For this third agenda resolution, there were 40,000 (forty thousand)
40.000 (empat puluh ribu) lembar saham atau 0,00% (nol koma nol nol abstain votes or 0.00% (zero point zero zero percent) while the votes in
persen) sedangkan suara yang setuju sebanyak 12.755.588.400 (dua belas favor were 12,755,588,400 (twelve billion seven hundred fifty five million
miliar tujuh ratus lima puluh lima juta lima ratus delapan puluh delapan five hundred eighty eight thousand four hundred) shares or 99.99%
ribu empat ratus) lembar saham atau 99,99% (sembilan puluh sembilan (ninety nine point ninety nine percent).
koma sembilan puluh sembilan persen)
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Keempat Fourth Agenda
Laporan pertanggungjawaban realisasi penggunaan dana hasil Accountability report on the realization of the use of proceeds from the
penawaran umum. public offering.
Keputusan Resolution
Menyetujui dan menerima laporan pertanggungjawaban realisasi Approved and accepted the accountability report on the realization of
penggunaan dana hasil penawaran umum yaitu: the use of proceeds from the public offering, namely:
- penggunaan dana PUT II yang seluruhnya telah direalisasikan, dan - the use of proceeds from Limited Public Offering II which has been
fully realized, and
- dana hasil Penawaran Umum Terbatas III (PUT III) per akhir Desember - funds from the Limited Public Offering III (PUT III) as of the end of
2021 sebesar Rp463.762.090.730,- (empat ratus enam puluh tiga miliar December 2021 amounting to IDR 463,762,090,730, - (four hundred
tujuh ratus enam puluh dua juta sembilan puluh ribu tujuh ratus tiga sixty-three billion seven hundred sixty-two million ninety thousand
puluh rupiah) dana tersebut pada akhir tahun 2021 ditempatkan pada seven hundred thirty rupiah) these funds at the end of 2021 were
RR-SBN BI dan TD BI harian dan per akhir April 2022 telah digunakan placed in BI RR-SBN and daily BI TD and as of the end of April 2022 had
untuk penyaluran kredit. been used for lending.
Untuk keputusan agenda keempat ini terdapat suara abstain sebanyak For this fourth agenda resolution, there were 40,000 (forty thousand)
40.000 (empat puluh ribu) lembar saham atau 0,00% (nol koma nol nol abstain votes or 0.00% (zero point zero zero percent) while the votes in
persen) sedangkan suara yang setuju sebanyak 12.755.588.400 (dua belas favor were 12,755,588,400 (twelve billion seven hundred fifty five million
miliar tujuh ratus lima puluh lima juta lima ratus delapan puluh delapan five hundred eighty eight thousand four hundred) shares or 99.99%
ribu empat ratus) lembar saham atau 99,99% (sembilan puluh sembilan (ninety nine point ninety nine percent).
koma sembilan puluh sembilan persen).
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Kelima Fifth Agenda
Penetapan gaji dan honorarium Direksi dan Dewan Komisaris PT Bank Determination of salary and honorarium of Board of Directors and Board
Oke Indonesia Tbk. of Commissioners of PT Bank Oke Indonesia Tbk.
Keputusan Resolution
Menyetujui penetapan gaji dan honorarium Direksi dan Dewan Komisaris Approved the determination of the salary and honorarium of the Board
PT Bank Oke Indonesia Tbk dengan memberikan kuasa serta wewenang of Directors and Board of Commissioners of PT Bank Oke Indonesia Tbk
kepada Dewan Komisaris untuk melakukan peninjauan kembali besarnya by granting power and authority to the Board of Commissioners to
gaji dan honorarium bagi anggota Direksi dan Dewan Komisaris review the amount of salary and honorarium for members of the Board
Perseroan. Untuk keputusan agenda kelima ini terdapat suara abstain of Directors and Board of Commissioners of the Company. For this fifth
sebanyak 40.000 (empat puluh ribu) lembar saham atau 0,00% (nol koma agenda decision, there were abstain votes as many as 40,000 (forty
nol nol persen) sedangkan suara yang setuju sebanyak 12.755.588.400 thousand) shares or 0.00% (zero point zero zero percent) while the
(dua belas miliar tujuh ratus lima puluh lima juta lima ratus delapan puluh votes in favor were 12,755,588,400 (twelve billion seven hundred fifty
delapan ribu empat ratus) lembar saham atau 99,99% (sembilan puluh five million five hundred eighty eight thousand four hundred) shares or
sembilan koma sembilan puluh sembilan persen). 99.99% (ninety nine point ninety nine percent).
Realisasi Realization
Sudah Direalisasikan Already Realized
172 Laporan Tahunan 2023 Annual Report
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Keputusan dan Realisasi RUPS Luar Biasa Tahun Sebelumnya Resolutions and Realization of Previous Year’s Extraordinary GMS
Keputusan RUPS Luar Biasa dan Realisasinya untuk Tahun Buku 2021 Resolution of the Extraordinary GMS and its Realization for the Financial
yang diselenggarakan pada 11 Mei tahun 2022. Year 2021 held on 11 May 2022.
Agenda Pertama First Agenda
Pengeluaran saham dalam simpanan melalui Penawaran Umum Issuance of shares in the depository through Limited Public Offering IV
Terbatas IV dengan Hak Memesan Efek Terlebih Dahulu (HMETD). with Pre-emptive Rights (HMETD).
Keputusan Resolution
Menyetujui Rencana Pengeluaran Saham Dalam Simpanan Melalui Approve the Plan for the Issuance of Shares in Deposit through Limited
Penawaran Umum Terbatas IV dengan Hak Memesan Efek Terlebih Public Offering IV with Pre-emptive Rights (HMETD) with a maximum of
Dahulu (HMETD) dengan sebanyak-banyaknya Rp500.000.000.000 Rp500,000,000,000 (five hundred billion rupiah) with the price per share to
(lima ratus miliar rupiah) dengan harga per lembar akan ditetapkan be determined later and hereby:
kemudian dan dengan ini:
1. Menyetujui pemberian kuasa kepada Direksi Perseroan untuk 1. Approve the authorization to the Board of Directors of the Company
melaksanakan segala tindakan sehubungan dengan pelaksanaan to carry out all actions in connection with the implementation of the
Penawaran Umum Terbatas IV tapi tidak terbatas pada: Limited Public Offering IV but not limited to:
a. Determine the allocation of the use of proceeds from the Limited
a. Menetapkan alokasi penggunaan atas dana hasil dari Penawaran
Public Offering IV.
Umum Terbatas IV.
b. Mendaftarkan saham-saham Perseroan dalam penitipan kolektif b. Registering the Company's shares in collective custody in accordance
sesuai dengan ketentuan-ketentuan KSEI (Kustodian Sentral Efek with the provisions of KSEI (Indonesian Central Securities Depository).
Indonesia).
c. Mencatat seluruh saham Perseroan yang merupakan saham yang c. Record all shares of the Company which are issued and fully paid
telah dikeluarkan dan disetor penuh pada PT Bursa Efek Indonesia shares on the Indonesia Stock Exchange (IDX).
(BEI).
2. Approved the granting of authority to the Board of Directors of the
2. Menyetujui pemberian kuasa kepada Direksi Perseroan untuk
Company to state in a Notarial Deed the increase in the paid-up and
menyatakan dalam Akta Notaris mengenai peningkatan Modal
issued capital of the Company as the realization of the issuance of
disetor dan ditempatkan Perseroan sebagai realisasi pengeluaran
shares through PUT IV and state the composition of the last share
saham melalui PUT IV dan menyatakan komposisi kepemilikan
ownership after the PUT IV process is completed.
saham terakhir setelah proses PUT IV selesai dilaksanakan.
Untuk keputusan agenda pertama ini terdapat suara abstain sebanyak For this first agenda decision, there were abstain votes as many as 500 (five
500 (lima ratus) lembar saham atau 0,00% (nol koma nol nol nol persen) hundred) shares or 0.00% (zero point zero zero percent) while the votes in
sedangkan suara yang setuju sebanyak 12.755.589.523 (dua belas miliar favor were 12,755,589,523 (twelve billion seven hundred fifty five million
tujuh ratus lima puluh lima juta lima ratus delapan puluh sembilan ribu five hundred eighty nine thousand five hundred twenty three) shares or
lima ratus dua puluh tiga) lembar saham atau 99,99% (sembilan puluh 99.99% (ninety nine point ninety nine percent).
sembilan koma sembilan puluh sembilan persen)
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Kedua Second Agenda
Peningkatan modal dasar PT Bank Oke Indonesia Tbk. Increase in authorized capital of PT Bank Oke Indonesia Tbk.
Keputusan Resolution
Menyetujui peningkatkan modal dasar Perseroan dari Approved the increase in the authorized capital of the Company
Rp2.500.000.000.000 (dua triliun lima ratus miliar Rupiah) menjadi from Rp2,500,000,000,000 (two trillion five hundred billion Rupiah) to
Rp3.000.000.000.000 (tiga triliun Rupiah). Rp3,000,000,000,000 (three trillion Rupiah).
Untuk keputusan agenda kedua ini terdapat suara abstain sebanyak
For this second agenda decision, there were abstain votes as many as
500 (lima ratus) lembar saham atau 0,00% (nol koma nol nol nol persen)
500 (five hundred) shares or 0.00% (zero point zero zero percent) while
sedangkan suara yang setuju sebanyak 12.755.589.523 (dua belas miliar
the votes in favor were 12,755,589,523 (twelve billion seven hundred fifty
tujuh ratus lima puluh lima juta lima ratus delapan puluh sembilan ribu
five million five hundred eighty nine thousand five hundred twenty three)
lima ratus dua puluh tiga) lembar saham atau 99,99% (sembilan puluh
shares or 99.99% (ninety nine point ninety nine percent).
sembilan koma sembilan puluh sembilan persen).
Realisasi Realization
Sudah Direalisasikan Already Realized
PT BANK OKE INDONESIA Tbk 173
Page 176
Tata Kelola Perusahaan
Corporate Governance
Keputusan dan Realisasi RUPS Luar Biasa Tahun Sebelumnya Resolutions and Realization of Previous Year’s Extraordinary GMS
Agenda Ketiga Third Agenda
Perubahan susunan Pengurus PT Bank Oke Indonesia Tbk. Changes in the composition of the Management of PT Bank Oke Indonesia
Tbk.
Keputusan Resolution
1. Menyetujui untuk memberhentikan dengan hormat Sdr. Andre 1. Approved to respectfully dismiss Br. Andre Mirza Hartawan, as
Mirza Hartawan, selaku Komisaris Independen, dan berlaku efektif Independent Commissioner, effective as of the closing of this EGMS.
sejak RUPSLB ini ditutup.
2. Menyetujui untuk mengangkat Sdri. Sondang Martha Samosir 2. Approved to appoint Sdri. Sondang Martha Samosir as Independent
selaku Komisaris Independen dan akan berlaku efektif setelah Commissioner and will be effective after obtaining approval from the
mendapatkan persetujuan dari Otoritas Jasa Keuangan (OJK), atau Financial Services Authority (OJK), or other authorized agencies.
instansi berwenang lainnya.
3. Mengangkat kembali seluruh pengurus PT Bank Oke Indonesia Tbk. 3. To reappoint all management of PT Bank Oke Indonesia Tbk.
4. Dengan demikian susunan kepengurusan PT Bank Oke Indonesia Tbk 4. Thus the composition of the management of PT Bank Oke Indonesia Tbk
menjadi: becomes:
Dewan Komisaris Board of Commissioners
Komisaris Utama : Lim Cheol Jin President Commissioner : Lim Cheol Jin
Komisaris Independen : Idham Aziz Independent Commissioner : Idham Aziz
Komisaris Independen : Sondang Martha Samosir* Independent Commissioner : Sondang Martha Samosir*
*) akan efektif setelah mendapatkan persetujuan dari OJK atau *) will be effective after obtaining approval from OJK or other authorized
instansi berwenang lainnya agencies.
Direksi Board of Directors
Direktur Utama : Park Young Man - President Director : Park Young Man
Wakil Direktur Utama : Hendra Lie - Vice President Director : Hendra Lie
Direktur Kredit : Kim Seongtaek - Credit Director : Kim Seongtaek
Direktur Operasional : Joyo - Operational Director : Joyo
Direktur Kepatuhan : Efdinal Alamsyah - Compliance Director : Efdinal Alamsyah
Untuk keputusan agenda ketiga ini terdapat suara abstain sebanyak For this third agenda decision, there were abstain votes as many as 500
500 (lima ratus) lembar saham atau 0,00% (nol koma nol nol nol persen) (five hundred) shares or 0.00% (zero point zero zero percent) while the
sedangkan suara yang setuju sebanyak 12.755.589.523 (dua belas miliar votes in favor were 12,755,589,523 (twelve billion seven hundred fifty five
tujuh ratus lima puluh lima juta lima ratus delapan puluh sembilan ribu million five hundred eighty nine thousand five hundred twenty three)
lima ratus dua puluh tiga) lembar saham atau 99,99% (sembilan puluh shares or 99.99% (ninety nine point ninety nine percent).
sembilan koma sembilan puluh sembilan persen)
Realisasi Realization
Sudah Direalisasikan Already Realized
Agenda Keempat Fourth Agenda
Persetujuan atas perubahan Pasal 3 Anggaran Dasar PT Bank Oke Approval of the amendment to Article 3 of the Articles of Association of
Indonesia Tbk. untuk disesuaikan dengan Klasifikasi Baku Lapangan PT Bank Oke Indonesia Tbk. to be adjusted to the Indonesian Standard
Usaha Indonesia (KBLI) 2020. Industrial Classification (KBLI) 2020.
Keputusan Resolution
Menyetujui untuk merubah maksud dan tujuan serta kegiatan usaha Approved to change the purpose and objectives and business activities of
Perseroan guna disesuaikan dengan Peraturan Badan Pusat Statistik the Company to be adjusted to the Central Bureau of Statistics Regulation
Nomor 2 tahun 2020 tentang Klasifikasi Baku Lapangan Usaha Indonesia Number 2 of 2020 concerning the Indonesian Standard Industrial
(KBLI), sehingga oleh karenanya merubah Pasal 3 anggaran dasar Classification (KBLI), therefore amending Article 3 of the Company's articles
Perseroan menjadi kode KBLI: 64121, dan memberikan kewenangan of association to KBLI code: 64121, and authorize the Board of Directors of
kepada Direksi Perseroan untuk menyusun serta menyatakan kembali the Company to prepare and restate the entire Articles of Association of
seluruh Anggaran Dasar Perseroan. the Company.
Untuk keputusan agenda keempat ini terdapat suara abstain sebanyak For this fourth agenda decision, there were abstain votes as many as 500
500 (lima ratus) lembar saham atau 0,00% (nol koma nol nol nol persen) (five hundred) shares or 0.00% (zero point zero zero percent) while the
sedangkan suara yang setuju sebanyak 12.755.589.523 (dua belas miliar votes in favor were 12,755,589,523 (twelve billion seven hundred fifty five
tujuh ratus lima puluh lima juta lima ratus delapan puluh sembilan ribu million five hundred eighty nine thousand five hundred twenty three)
lima ratus dua puluh tiga) lembar saham atau 99,99% (sembilan puluh shares or 99.99% (ninety nine point ninety nine percent).
sembilan koma sembilan puluh sembilan persen).
Menyetujui pemberian kuasa kepada Direksi Perseroan untuk Approved the authorization to the Board of Directors of the Company to
menyatakan segala keputusan dalam Agenda Rapat dalam suatu akta state all resolutions in the Meeting Agenda in a separate notarial deed,
notaris tersendiri, mengenai keputusan dalam agenda Rapat tersebut regarding the resolutions in the Meeting agenda above, including to
diatas termasuk untuk menegaskan kembali hasil keputusan Rapat reaffirm the resolutions of the Meeting above.
tersebut diatas.
Realisasi Realization
Sudah Direalisasikan Already Realized
174 Laporan Tahunan 2023 Annual Report
Page 177
Dewan Komisaris
Board Of Commissioners
Dewan Komisaris merupakan organ utama Bank yang The Board of Commissioners is the principal organ of
memiliki fungsi dalam hal pengawasan, pemberian nasihat the Bank, exercising supervisory, advisory and approval
dan persetujuan, serta fungsi lainnya yang diberikan functions, as well as other functions provided for by the
berdasarkan Anggaran Dasar, ketentuan dan peraturan Statute, the Rules of Procedure and laws and regulations.
perundang-undangan. Dengan tanggung jawab secara With collective responsibility, the Board of Commissioners
kolektif, Dewan Komisaris memastikan bahwa Bank ensures that the Bank continues to implement GCG at all
senantiasa melaksanakan GCG pada seluruh tingkatan levels of the organization.
organisasi.
DASAR HUKUM LEGAL BASIS
1. Undang-Undang Nomor 40 tahun 2007 tentang 1. Law Number 40 of 2007 on Limited Liability Companies;
Perseroan Terbatas;
2. Peraturan Otoritas Jasa Keuangan Nomor 33/ 2. Financial Services Authority Regulation Number 33/
POJK.04/2014 tentang Direksi dan Dewan Komisaris POJK.04/2014 on the Board of Directors and Board of
Emiten atau Perusahaan Publik; Commissioners of Issuers or Public Companies;
3. Peraturan Otoritas Jasa Keuangan Nomor 21/ 3. Financial Services Authority Regulation Number
POJK.04/2015 tentang Penerapan Pedoman Tata Kelola 21/POJK.04/2015 on the Implementation of Public
Perusahaan Terbuka; Company Governance Guidelines;
4. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 4. Financial Services Authority Regulation Number 17
tentang Penerapan Tata Kelola bagi Bank Umum; dan of 2023 on the Implementation of Governance for
Commercial Banks; and
5. Surat Edaran Otoritas Jasa Keuangan Nomor 13/ 5. Circular Letter of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Number 13/ SEOJK.03/2017 on the Implementation of
Bank Umum. Governance for Commercial Banks.
PIAGAM DEWAN KOMISARIS CHARTER OF THE BOARD OF COMMISSIONERS
OK BANK telah menyusun Piagam Dewan Komisaris sebagai OK BANK has prepared a Charter of the Board of
acuan bagi Dewan Komisaris dalam menjalankan tugas dan Commissioners as a reference for the BOC in carrying out
tanggung jawabnya. Piagam Dewan Komisaris disahkan its duties and responsibilities. The Board of Commissioners
oleh Dewan Komisaris pada tanggal 14 September 2023. Charter was approved by the BOC on date 14 September
2023.
KRITERIA DAN INDEPENDENSI DEWAN CRITERIA AND INDEPENDENCY OF BOARD OF
KOMISARIS COMMISSIONERS
Kriteria dari Dewan Komisaris OK BANK telah sesuai dengan The criteria of the Board of Commissioners of OK BANK
ketentuan yang berlaku dengan kondisi sebagai berikut: are in accordance with the applicable provisions, with the
following conditions:
1. Setiap pengangkatan dan/atau penggantian 1. Every appointment and/or replacement of members of
anggota Dewan Komisaris telah memperhatikan the Board of Commissioners has taken into account the
rekomendasi Komite Remunerasi dan Nominasi dengan recommendations of the Remuneration and Nomination
mempertimbangkan integritas, kompetensi dan Committee by considering integrity, competence and
reputasi keuangan yang memadai. adequate financial reputation.
2. Bank memiliki 3 (tiga) orang Dewan Komisaris, 2 (dua) 2. The Bank has 3 (three) members of the Board of
orang Komisaris Independen merupakan Warga Negara Commissioners, of which 2 (two) Independent
Indonesia dan berdomisili di Indonesia. Commissioners are Indonesian citizens and domiciled in
Indonesia.
3. Komisaris Utama merupakan mantan Direktur Utama 3. The President Commissioner is a former President
pada OK BANK dan telah lulus fit and proper test. Director of OK BANK and has passed the fit and proper
test.
PT BANK OKE INDONESIA Tbk 175
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Tata Kelola Perusahaan
Corporate Governance
4. Komisaris Utama dan 1 (satu) Komisaris Independen 4. The President Commissioner and 1 (one) Independent
tidak ada yang melakukan rangkap jabatan sebagai Commissioner do not hold concurrent positions as
anggota Direksi, anggota Dewan Komisaris, atau members of the Board of Directors, members of the
Pejabat Eksekutif pada perusahaan lain baik Bank Board of Commissioners, or Executive Officers in other
maupun bukan Bank baik yang berkedudukan di dalam companies, both banks and non-banks, either domiciled
maupun di luar negeri. at home or abroad.
5. Anggota Dewan Komisaris tidak ada yang saling 5. None of the members of the Board of Commissioners are
memiliki hubungan keluarga sampai derajat kedua related up to the second degree with fellow members
dengan sesama anggota Dewan Komisaris dan/atau of the Board of Commissioners, and/or members of the
anggota Direksi. Board of Directors.
6. Memiliki Komitmen untuk mematuhi peraturan 6. Have the commitment to complying with laws and
perundang-undangan. regulations.
7. Memiliki pengetahuan dan/atau keahlian di bidang 7. Have the knowledge and/or expertise in the field
yang dibutuhkan oleh PT Bank Oke Indonesia, Tbk. required by PT Bank Oke Indonesia, Tbk.
KOMPOSISI DEWAN KOMISARIS COMPOSITION OF THE BOARD OF COMMISSIONERS
Berdasarkan keputusan RUPS Luar Biasa tanggal 11 Mei 2023, Based on the resolution of the Extraordinary GMS dated 11
sebagaimana tertuang dalam Akta Nomor 07 oleh Notaris May 2023, as stated in Deed Number 07 by Notary Agung
Agung Irianto, SH, MH. di Jakarta. Maka susunan Dewan Irianto, SH, MH. in Jakarta, the composition of the Board
Komisaris PT Bank Oke Indonesia, Tbk. sampai dengan of Commissioners of PT Bank Oke Indonesia, Tbk. until
Desember 2023, adalah sebagai berikut: December 2023, is as follows:
Nama Jabatan Dasar Pengangkatan Terakhir Persetujuan OJK
Name Position Basis for Last Appointment OJK Approval
Lim Cheol Jin Komisaris Utama RUPSLB 11 Mei 2023 Nomor Kep-15/PB.1/2021
President Commissioner EGM 11 May 2023 tanggal 17 Februari 2021
dated 17 February 2021
Sondang Martha Samosir Komisaris Independen RUPSLB 11 Mei 2023 Nomor Kep-39/PB.1/2022,
Independent Commissioner EGM May 11, 2023 tanggal 8 Agustus 2022
dated 8 August 2022
Chairudin Komisaris Independen RUPSLB 11 May 2023 Nomor SR-120/PB.02/2023
Independent Commissioner EGM May 11, 2023 tanggal 17 Juli 2023
dated 17 July 2023
TUGAS DAN TANGGUNG JAWAB DEWAN DUTIES AND RESPONSIBILITIES OF THE BOARD
KOMISARIS OF COMMISSIONERS
Dewan Komisaris memiliki tugas dan tanggung jawab yang The Board of Commissioners has duties and responsibilities
sudah dilaksanakan sebagai berikut: that have been carried out as follows:
1. Dalam menjalankan tugasnya Dewan Komisaris 1. In carrying out its duties, the Board of Commissioners
telah memiliki pedoman, tata tertib kerja termasuk has guidelines, working rules including work ethics,
pengaturan etika kerja, waktu kerja dan rapat dan working hours and meetings, and a charter.
piagam (charter).
2. Dewan Komisaris telah melaksanakan tugas dan 2. The Board of Commissioners has carried out its duties
tanggung jawabnya secara independen dan and responsibilities independently, with sufficient time
menyediakan waktu yang cukup untuk optimalkan to optimise its work, and is not involved in decisions
tugasnya serta tidak terlibat dalam pengambilan on the Bank’s operational activities, except for loans
keputusan kegiatan operasional Bank kecuali kredit to related parties and other matters specified in the
kepada pihak terkait dan hal lain yang ditetapkan dalam Bank’s Articles of Association and/or applicable laws
Anggaran Dasar Bank dan/atau peraturan perundangan and regulations in order to carry out its supervisory
yang berlaku dalam rangka melaksanakan fungsi function.
pengawasan.
3. Dewan Komisaris telah memastikan penerapan tata 3. The Board of Commissioners has ensured that good
kelola yang baik terselenggara dalam setiap kegiatan governance is implemented in every business activity of
usaha Bank pada seluruh tingkatan atau jenjang the Bank, at all levels of the organization by supervising
organisasi dengan senantiasa melakukan pengawasan the implementation of the duties and responsibilities
176 Laporan Tahunan 2023 Annual Report
Page 179
terhadap pelaksanaan tugas dan tanggung jawab of the Board of Directors both periodically and at any
Direksi baik secara berkala maupun sewaktu-waktu, time, including the implementation of the strategic
termasuk dalam pelaksanaan kebijakan strategis PT policies of PT Bank Oke Indonesia, Tbk. If there is a
Bank Oke Indonesia, Tbk. Apabila terdapat pelanggaran violation of the provisions of laws and regulations in
terhadap ketentuan peraturan perundang-undangan the field of finance, banking and related to the Bank’s
dibidang keuangan, perbankan dan yang terkait dengan business activities and/or circumstances / predicted
kegiatan usaha Bank dan/atau keadaan/perkiraan circumstances that may jeopardise the continuity of the
keadaan yang dapat membahayakan kelangsungan Bank’s business, it is reported to the Financial Services
usaha Bank maka dilaporkan ke Otoritas Jasa Keuangan Authority no later than 5 (five) working days after it is
paling lambat 5 (lima) hari kerja sejak ditemukan. discovered.
4. Sebagai bagian dari pelaksanaan tugasnya Dewan 4. As part of its duties, the Board of Commissioners has
Komisaris telah memastikan bahwa Direksi ensured that the Board of Directors follows up on audit
menindaklanjuti temuan audit dan rekomendasi Satuan findings and recommendations of the Bank’s Internal
Kerja Audit Internal Bank (SKAI), auditor eksternal, hasil Audit Unit (SKAI), external auditors, the results of OJK
pengawasan OJK dan/atau hasil pengawasan otoritas supervision and/or the results of supervision by other
lain. authorities.
5. Untuk mengoptimalkan tugas Dewan Komisaris telah 5. The Audit Committee, the Risk Monitoring Committee
dibentuk Komite Audit, Komite Pemantau Risiko, and the Remuneration and Nomination Committee have
serta Komite Remunerasi dan Nominasi. Sedangkan been established to optimise the Board’s duties. While
Pengangkatan anggota Komite telah dilakukan Direksi the appointment of the committee members was made
berdasarkan keputusan rapat Dewan Komisaris namun by the Board of Directors on the basis of the decision
untuk pelaksanaan tugas dari masing-masing komite of the Board of Commissioners, the implementation of
tersebut agar efektif dipantau oleh Dewan Komisaris. the tasks of each committee is monitored by the Board
of Commissioners in order to be effective.
6. Dewan Komisaris telah melakukan penilaian terhadap 6. The Board of Commissioners has carried out assessment
komite di bawah Dewan Komisaris yaitu Komite Audit, of the committees under the Board of Commissioners,
Komite Pemantau Risiko dan Komite Nominasi dan namely the Audit Committee, Risk Monitoring
Remunerasi. Committee and Nomination and Remuneration
Committee.
7. Dewan Komisaris telah memiliki kebijakan penilaian 7. The Board of Commissioners has an evaluation policy
terhadap kinerja anggota Direksi dan Dewan Komisaris for the performance of the members of the Board
yaitu Kinerja anggota Direksi dan Komisaris dilakukan of Directors and the Board of Commissioners, i.e.
melalui mekanisme penilaian sendiri (self-assessment) the performance of the members of the Board of
sebagai bentuk akuntabilitas Direksi dan Dewan Directors and the Board of Commissioners is evaluated
Komisaris dalam melaksanakan tugas dan tanggung through a self-assessment mechanism as a form of
jawabnya mengacu pada Rencana Bisnis Bank yang accountability of the Board of Directors and the Board
telah disetujui oleh Dewan Komisaris. Hasil penilaian of Commissioners in the performance of their duties
sendiri (self-assessment) dievaluasi oleh Dewan and responsibilities in relation to the Bank’s Business
Komisaris di dalam rapat berdasarkan rekomendasi dari Plan approved by the Board of Commissioners. The
Komite Remunerasi dan Nominasi. results of the self-assessment are evaluated by
the Board of Commissioners in a meeting based
on recommendations from the Remuneration and
Nomination Committee.
8. Rapat Dewan Komisaris telah diselenggarakan secara 8. Meetings of the Board of Commissioners have been
berkala sebanyak 6 (enam) kali dalam setahun, rapat- held regularly as many as 6 (six) times a year, the
rapat Dewan Komisaris dihadiri oleh seluruh anggota meetings of the Board of Commissioners are attended
Dewan Komisaris yaitu Komisaris Independen dan by all members of the Board of Commissioners,
Komisaris Utama. Untuk pengambilan keputusan rapat namely the Independent Commissioner and President
dilakukan secara musyawarah untuk mufakat dan Commissioner. Decision making of the meeting is
apabila tidak mufakat maka dibatalkan. carried out by deliberation for consensus, and if there is
no consensus, the relevant agenda item is cancelled.
PT BANK OKE INDONESIA Tbk 177
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Tata Kelola Perusahaan
Corporate Governance
9. Membuat risalah rapat Dewan Komisaris dan ditanda 9. Minutes of the Board of Commissioners meeting were
tangani oleh seluruh anggota Dewan Komisaris yang drawn up and signed by all members of the Board of
hadir dalam rapat Dewan Komisaris. Commissioners present at the Board of Commissioners
meeting.
10. Dewan Komisaris melaksanakan tugas secara 10. The Board of Commissioners has performed its duties
independen tanpa intervensi dari siapapun termasuk independently without intervention from anyone,
dari Pemegang Saham yang dapat mengurangi including from Shareholders, which could reduce the
keuntungan Perseroan, tidak memanfaatkan Perseroan Company’s profits, and has not used the Company for
untuk kepentingan siapapun termasuk mengambil atau the benefit of anyone, including taking or receiving
menerima keuntungan pribadi. personal benefits.
KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONER
Komisaris Independen adalah anggota Dewan Komisaris Independent Commissioner is a member of the Board of
yang berasal dari luar Bank yang tidak memiliki hubungan Commissioners from outside the Bank who has no affiliation
afiliasi dengan Bank, yang memenuhi syarat untuk diangkat with the Bank, who fulfils the requirements to be appointed
sebagai Komisaris Independen sesuai dengan ketentuan as Independent Commissioner in accordance with the
perundang-undangan yang berlaku di antaranya: prevailing laws and regulations including:
1. Tidak memiliki hubungan keuangan, kepengurusan, 1. Has no financial, management, share ownership and/
kepemilikan saham dan/atau hubungan keluarga dengan or family relationship with other members of the Board
anggota Dewan Komisaris lainnya, anggota Direksi dan/ of Commissioners, members of the Board of Directors
atau pemegang saham atau hubungan dengan Bank and/or shareholders or relationship with the Bank that
yang dapat mempengaruhi kemampuannya untuk may affect his/her ability to act independently.
bertindak independen.
2. Tidak mempunyai saham baik langsung maupun tidak 2. Has no direct or indirect shareholding in the Bank.
langsung pada Bank.
3. Tidak mempunyai hubungan usaha baik langsung 3. Has no direct or indirect business relationship related to
maupun tidak langsung yang berkaitan dengan kegiatan the Bank’s business activities.
usaha Bank.
4. Merupakan pihak yang independen dan bersedia 4. Is independent and willing to act independently
bertindak independen terhadap pemilik bank atau PSP. towards the bank owner or PSP.
Sesuai ketentuan pasal 38 ayat (2) POJK Nomor 17 Tahun In accordance with the provisions of article 38 paragraph
2023 tentang Penerapan Tata Kelola Bagi Bank Umum, (2) POJK Number 17 of 2023 concerning the Implementation
minimal 50% dari anggota Dewan Komisaris adalah of Governance for Commercial Banks, at least 50% of the
Komisaris Independen. members of the Board of Commissioners are Independent
Commissioners.
Pada tahun 2023, Bank memiliki 2 (dua) orang Komisaris In 2023, the Bank has 2 (two) Independent Commissioners
Independen dari total 3 (tiga) orang anggota Dewan out of a total of 3 (three) members of the BOC, namely
Komisaris, yaitu Sondang Martha Samosir dan Chairudin. Sondang Martha Samosir and Chairudin. Thus, OK BANK has
Dengan demikian, OK BANK telah memenuhi ketentuan fulfilled the provisions of POJK Number 17 of 2023 concerning
POJK Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola the Implementation of Governance for Commercial Banks.
Bagi Bank Umum.
RAPAT DEWAN KOMISARIS MEETINGS OF THE BOARD OF COMMISSIONERS
Sesuai Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola In accordance with Number 17 of 2023 concerning the
Bagi Bank Umum dan Piagam Dewan Komisaris OK BANK, Implementation of Governance for Commercial Banks and the
Dewan Komisaris wajib melakukan rapat berkala paling Charter of the Board of Commissioners of OK BANK, the Board
sedikit 1 (satu) kali dalam 2 (dua) bulan. Rapat juga dapat of Commissioners must hold regular meetings at least 1 (one)
diselenggarakan sewaktu-waktu atas permintaan anggota time in 2 (two) months. Meetings can also be held at any time
Dewan Komisaris selama memenuhi aturan yang telah at the request of a member of the Board of Commissioners as
ditetapkan. long as it fulfils the rules that have been set.
178 Laporan Tahunan 2023 Annual Report
Page 181
Sepanjang tahun 2023, Dewan Komisaris OK BANK telah Throughout 2023, the Board of Commissioners of OK BANK
menyelenggarakan rapat Dewan komisaris sebanyak 6 held 6 (six) Board of Commissioners meetings, with the
(enam) kali, dengan frekuensi kehadiran sebagai berikut: frequency of attendance as follows:
Nama Jabatan Jumlah rapat Kehadiran Persentase
Name Position Total Meeting Attendance Percentage
Lim Cheol Jin Komisaris Utama 6 6 100%
President Commissioner
Sondang Martha Samosir Komisaris Independen 6 6 100%
Independent Commissioner
Chairudin* Komisaris Independen 2 2 100%
Independent Commissioner
Idham Aziz** Komisaris Independen 2 2 100%
Independent Commissioner
* Efektif Persetujuan OJK per tanggal 01 September 2023 | Effective OJK Approval as of 01 September 2023
** Efektif Berhenti per tanggal 11 Mei 2023 | Effective Stopped as of 11 May 2023
RAPAT BERSAMA DEWAN KOMISARIS DAN JOINT MEETINGS OF BOC AND BOD
DIREKSI
Selain melakukan rapat internal Dewan Komisaris, Dewan In addition to conducting internal Board of Commissioners
Komisaris juga wajib mengadakan rapat bersama Direksi meetings, the BOC is also required to hold joint meetings
secara berkala paling kurang 1 (satu) kali dalam 4 (empat) with the Board of Directors on a regular basis at least 1 (one)
bulan. time in 4 (four) months.
Sepanjang tahun 2023, Dewan Komisaris OK BANK telah Throughout 2023, OK BANK’s Board of Commissioners held
menyelenggarakan rapat bersama Direksi sebanyak 3 kali 3 meetings with the Board of Directors with the following
dengan frekuensi kehadiran sebagai berikut: frequency of attendance:
Nama Jabatan Jumlah rapat Kehadiran Persentase
Name Position Total Meeting Attendance Percentage
Lim Cheol Jin Komisaris Utama 3 3 100%
President Commissioner
Sondang Martha Samosir Komisaris Independen 3 3 100%
Independent Commissioner
Chairudin* Komisaris Independen 0 0 100%
Independent Commissioner
Idham Aziz**** Komisaris Independen 2 2 100%
Independent Commissioner
Park Young Man Direktur Utama 3 3 100%
President Director
Hendra Lie Wakil Direktur Utama 3 3 100%
Vice President Director
Efdinal Alamsyah Direktur Kepatuhan 3 3 100%
Compliance Director
Inhyo Wang** Direktur Kredit dan TI 1 1 100%
IT and Credit Director
Vincentia M. Djuniwati Wijaya*** Direktur Bisnis 0 0 100%
Business Director
Joyo**** Direktur Operasional 2 2 100%
Operational Director
Kim Seongtaek**** Direktur Kredit 2 2 100%
Credit Director
* Efektif Menjadi Komisaris Independen per tanggal 01 September 2023 | Effective as Independent Commissioner as of 01 September 2023
** Efektif menjadi Direktur Kredit dan TI tanggal 06 Juli 2023 | Effective as Director of Credit and IT as of 6 July 2023
*** Efektif menjadi Direktur Bisnis tanggal 31 Juli 2023 | Effective as Director of Business as of 31 July 2021
**** Efektif Berhenti per tanggal 11 Mei 2023 | Effective as of May 11, 2023
PT BANK OKE INDONESIA Tbk 179
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Tata Kelola Perusahaan
Corporate Governance
PELATIHAN DEWAN KOMISARIS TRAININGS OF THE BOARD OF COMMISSIONERS
OK BANK memberikan kesempatan kepada anggota Dewan OK BANK provides opportunities for members of the
Komisaris untuk mengembangkan kompetensi dengan Board of Commissioners to develop their competence by
mengikuti pelatihan/pendidikan/seminar. attending training/education/seminars.
Sepanjang tahun 2023, Dewan Komisaris OK BANK telah Throughout 2023, the Board of Commissioners of OK BANK
mengikuti beberapa program pengembangan kompetensi has participated in several competency development
yaitu: programs, namely:
Nama Jabatan Program yang Diikuti Penyelenggara
Name Position Programs Attended Organizer
Lim Cheol Jin Komisaris Utama Refreshment Program of Risk Management Certification with LPPI
President Commissioner theme of Global ESG & Bank Sustainability (Vendor)
Sondang Martha Komisaris Independen Refreshment Program of Risk Management Certification with LPPI
Samosir Independent Commissioner theme of Global ESG & Bank Sustainability (Vendor)
Chairudin Komisaris Independen Pembekalan dan Refreshment Program untuk Komisaris Level LPPI
Independent Commissioner 6 Manajemen Risiko (Vendor)
Debriefing and Refreshment Program for Commissioners,
Level 6 Risk Management
PENILAIAN KINERJA DEWAN KOMISARIS BOARD OF COMMISSIONERS’ PERFORMANCE
ASSESSMENT
1. Penilaian kinerja Dewan Komisaris oleh RUPS. 1. Board of Commissioners’ Performance Assessment by
Penilaian kinerja Dewan Komisaris dilakukan oleh the GMS.
pemegang saham dalam RUPS Tahunan yang dituangkan The performance assessment of the Board of
dalam Laporan Tahunan Perseroan, di mana berdasarkan Commissioners is conducted by the shareholders in
laporan tersebut RUPS menyatakan memberikan the Annual GMS, as set out in the Company’s Annual
pembebasan sepenuhnya pertanggungjawaban Report, and on the basis of which the GMS declares to
kepada Dewan Komisaris atas tugas pengawasan yang grant a full discharge to the Board of Commissioners for
dilakukan sepanjang tahun buku yang bersangkutan. the supervisory duties performed during the relevant
financial year.
Dewan Komisaris melaksanakan tugas dan tanggung The Board of Commissioners carries out its duties and
jawabnya secara independen Dalam melaksanakan responsibilities independently. In carrying out its duties
tugas dan tanggung jawabnya, Dewan Komisaris and responsibilities, the Board of Commissioners pays
memperhatikan ketentuan Anggaran Dasar Bank, attention to the provisions of the Bank’s Articles of
Pedoman dan Tata Tertib Kerja Dewan Komisaris, serta Association, the Board of Commissioners’ Charter, and
peraturan perundang-undangan yang berlaku. prevailing laws and regulations.
2. Penilaian kinerja Dewan Komisaris dilakukan secara self- 2. Performance assessment of the Board of Commissioners
assessment setiap tahun. is conducted on a self-assessment basis every year.
Penilaian kinerja Dewan Komisaris dilakukan melalui The performance assessment of the Board of
self-assessment berdasarkan Peraturan Otoritas Commissioners is carried out through self-
Jasa Keuangan (POJK) Nomor 17 Tahun 2023 tentang assessment based on the Financial Services Authority
Penerapan Tata Kelola Bagi Bank Umum. Regulation (POJK) Number 17 of 2023 concerning the
Implementation of Governance for Commercial Banks.
Kriteria Evaluasi Kinerja Dewan Komisaris: Board of Commissioners Performance Evaluation Criteria:
a. Pelaksanaan tugas dan fungsi pengawas Dewan a. Implementation of the Board of Commissioners’
Komisaris. supervisory duties and functions.
b. Kepatuhan terhadap peraturan yang berlaku. b. Compliance with applicable regulations.
c. Tingkat kesehatan Bank. c. Bank health rating.
d. Tingkat kehadiran Anggota Dewan Komisaris dalam d. Attendance rate of Members of the Board of
Rapat Dewan Komisaris maupun rapat dalam komite- Commissioners in BOC Meetings and meetings of
komite di bawah pengawasan Dewan Komisaris committees under the supervision of the BOC.
e. Keterlibatan Dewan Komisaris dalam penugasan- e. Involvement of the Board of Commissioners in
penugasan tertentu. certain assignments.
180 Laporan Tahunan 2023 Annual Report
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Dewan Komisaris OK BANK menjalankan tugas dan kewajibannya
dengan berpedoman kepada Piagam Dewan Komisaris yang ditinjau
dan diperbaiki secara berkala agar sesuai dengan perkembangan
praktik GCG terkini. Agar diperoleh rekomendasi yang independen
dan berkualitas terhadap hasil pengawasan yang dijalankan, Dewan
Komisaris OK BANK terdiri atas 3 orang anggota dengan kompetensi
dan keahlian yang beragam. Dewan Komisaris secara rutin menjalankan
Rapat-rapat Internal maupun Rapat Gabungan sesuai ketentuan
dengan agenda berbagai aspek strategis yang harus diputuskan dan
direkomendasikan oleh Dewan Komisaris sesuai ketentuan Anggaran
Dasar Bank.
The Board of Commissioners of OK BANK carries out its duties and obligations guided by
the Charter of the Board of Commissioners which is reviewed and improved periodically
to be in accordance with the latest developments in GCG practices. In order to obtain
independent and quality recommendations on the results of the supervision, the OK
BANK Board of Commissioners is established of 3 members with diverse competencies
and expertise. The Board of Commissioners routinely conducts Internal Meetings and
Joint Meetings in accordance to regulations, with the agenda of various strategic aspects
that must be decided and recommended by the Board of Commissioners in accordance
with the provisions of the Bank's Articles of Association.
PENILAIAN KINERJA KOMITE DI BAWAH DEWAN PERFORMANCE ASSESSMENT OF COMMITTEES
KOMISARIS UNDER THE BOARD OF COMMISSIONERS
Dalam menjalankan tugas dan tanggung jawabnya, Dewan In carrying out its duties and responsibilities, the Board
Komisaris dibantu oleh Komite Audit, Komite Pemantau of Commissioners is assisted by the Audit Committee,
Risiko dan Komite Remunerasi dan Nominasi. Setiap tahun the Risk Monitoring Committee, and the Remuneration
Dewan Komisaris menilai kinerja dari Komite tersebut. and Nomination Committee. Each year, the Board of
Commissioners assesses the performance of these
committees.
Dewan Komisaris secara periodik (tahunan) melakukan The Board of Commissioners periodically (annually) assesses
penilaian atas efektivitas kinerja komite-komite di bawah the effectiveness of the performance of the committees
Dewan Komisaris. Dewan Komisaris menilai bahwa selama under the BOC. The Board of Commissioners considers that
tahun 2023 komite-komite telah menjalankan tugas dan during 2023, the committees have carried out their duties
tanggung jawabnya dengan cukup efektif. and responsibilities quite effectively.
1. Komite Audit memiliki tugas dan tanggung jawab 1. The Audit Committee has the duty and responsibility
melakukan pengawasan atas hal-hal yang terkait dengan to supervise matters related to financial information,
informasi keuangan, sistem pengendalian internal internal control system, effectiveness of audit by
(internal control system), efektivitas pemeriksaan oleh external and internal auditors, effectiveness of risk
auditor eksternal dan internal, efektivitas pelaksanaan management implementation and compliance with
manajemen risiko serta kepatuhan terhadap peraturan applicable laws and regulations. During 2023, the Audit
perundang-undangan yang berlaku. Selama tahun Committee has monitored and evaluated the planning
2023, Komite Audit telah memantau dan mengevaluasi and implementation of audits and the follow-up of
perencanaan dan pelaksanaan audit serta tindak audit results in order to assess the adequacy of internal
lanjut hasil audit dalam rangka menilai kecukupun control.
pengendalian internal.
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Tata Kelola Perusahaan
Corporate Governance
2. Komite Pemantau Risiko memiliki tugas dan tanggung 2. The Risk Monitoring Committee has duties and
jawab dalam melakukan pengawasan atas penerapan responsibilities in supervising the implementation of
manajemen risiko Perseroan tetap memenuhi unsur- the Company’s risk management to fulfil the elements
unsur kecukupan prosedur pengelolaan risiko, sehingga of the adequacy of risk management procedures,
kegiatan usaha Perseroan tetap dapat terkendali pada so that the Company’s business activities can still be
batas/limit yang dapat diterima dan menguntungkan. controlled at an acceptable and profitable limit. During
Selama tahun 2023, Komite Pemantau Risiko 2023, the Risk Monitoring Committee has evaluated the
telah mengevaluasi terkait penyediaan kredit dan provision of credit and provision of funds to related
penyediaan dana kepada pihak terkait, recovery plan parties, the recovery plan of PT Bank Oke Indonesia,
PT Bank Oke Indonesia, Tbk. serta review atas pelaksanaan Tbk. as well as a review of the implementation of risk
manajemen risiko di PT Bank Oke Indonesia, Tbk. management at PT Bank Oke Indonesia, Tbk.
3. Komite Remunerasi dan Nominasi memiliki tugas 3. The Remuneration and Nomination Committee has
dan tanggung jawab membantu Dewan Komisaris the duty and responsibility to assist the Board of
dalam melaksanakan fungsi dan tugasnya di bidang Commissioners in carrying out its functions and duties
yang berkaitan dengan nominasi dan remunerasi in areas relating to the nomination and remuneration
terhadap anggota Direksi dan Dewan Komisaris. Selama of members of the BOD and BOC. During 2023, the
tahun 2023, Komite Remunerasi dan Nominasi telah Remuneration and Nomination Committee has assisted
membantu Dewan Komisaris terkait dengan perubahan the Board of Commissioners with regard to changes in
susunan Anggota Direksi untuk meningkatkan kinerja the composition of the Board of Directors to improve
Bank. the Bank’s performance.
Direksi
Board of Directors
Direksi merupakan organ utama Bank yang bertanggung The Board of Directors is the main organ of the Bank
jawab penuh atas pelaksanaan pengelolaan Bank sesuai and is fully responsible for the implementation of the
dengan kewenangan dan tanggung jawabnya sebagaimana Bank’s management in accordance with its authority and
dijelaskan di Anggaran Dasar Perusahaan dan peraturan responsibilities as described in the Company’s Articles
perundangan yang berlaku. Direksi bertanggung jawab of Association and applicable laws and regulations. The
secara kolektif Kolegial melakukan pengurusan Bank Board of Directors is collectively and collegially responsible
untuk kepentingan dan tujuan Bank serta mewakili for managing the Bank for the interests and purposes of
Bank di dalam maupun di luar pengadilan sesuai dengan the Bank and represents the Bank in and out of court in
Anggaran Dasar. Sebagai bentuk pertanggungjawaban accordance with the Articles of Association. As a form of
dalam pelaksanaan tugasnya selama satu tahun, Direksi accountability in the implementation of its duties for one
mempertanggungjawabkan pengurusan Bank dalam RUPS. year, the Board of Directors presents its performance in
managing the Bank in the GMS.
DASAR HUKUM LEGAL BASIS
1. Undang-Undang Nomor 40 tahun 2007 tentang 1. Law Number 40 of 2007 on Limited Liability Companies;
Perseroan Terbatas;
2. Peraturan Otoritas Jasa Keuangan Nomor 33/ 2. Financial Services Authority Regulation Number 33/
POJK.04/2014 tentang Direksi dan Dewan Komisaris POJK.04/2014 on the Board of Directors and Board of
Emiten atau Perusahaan Publik; Commissioners of Issuers or Public Companies;
3. Peraturan Otoritas Jasa Keuangan Nomor 21/ 3. Financial Services Authority Regulation Number
POJK.04/2015 tentang Penerapan Pedoman Tata Kelola 21/POJK.04/2015 on the Implementation of Public
Perusahaan Terbuka; Company Governance Guidelines;
4. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 4. Financial Services Authority Regulation Number 17
tentang Penerapan Tata Kelola bagi Bank Umum; dan of 2023 on the Implementation of Governance for
Commercial Banks; and
182 Laporan Tahunan 2023 Annual Report
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5. Surat Edaran Otoritas Jasa Keuangan Nomor 13/ 5. Circular Letter of the Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Number 13/ SEOJK.03/2017 on the Implementation of
Bank Umum. Governance for Commercial Banks.
PIAGAM DIREKSI BOARD OF DIRECTORS’ CHARTER
OK BANK telah menyusun Piagam Direksi sebagai acuan OK BANK has prepared a Board of Directors Charter as a
bagi Direksi dalam menjalankan tugas dan tanggung reference for the Board of Directors in carrying out its
jawabnya. Piagam Direksi disahkan oleh Direksi pada duties and responsibilities. The Board of Directors Charter
tanggal 02 Agustus 2023. was approved by the Board of Directors on date 02 August
2023.
KRITERIA DAN INDEPENDENSI DIREKSI CRITERIA AND INDEPENDENCY OF THE BOARD
OF DIRECTORS
Kriteria dan Independensi Direksi PT Bank Oke Indonesia, The criteria and independence of the Board of Directors
Tbk. telah sesuai dengan ketentuan yang berlaku dengan of PT Bank Oke Indonesia, Tbk. are in accordance with the
kondisi sebagai berikut: applicable provisions, with the following conditions:
1. Seluruh anggota Direksi memiliki integritas tinggi dan 1. All members of the Board of Directors have high
mempunyai reputasi keuangan yang memadai; integrity and adequate financial standing;
2. Mayoritas Direksi memiliki pengalaman di bidang 2. The majority of the Board of Directors have operational
operasional sebagai pejabat eksekutif Bank paling experience as an executive officer of the Bank for at
sedikit 5 (lima) tahun least 5 (five) years.;
3. Seluruh anggota Direksi berdomisili di Indonesia; 3. All members of the Board of Directors are domiciled in
Indonesia;
4. Setiap usulan penggantian dan/atau pengangkatan 4. Any proposal for the replacement and/or appointment
anggota Direksi oleh Dewan Komisaris kepada RUPS of members of the Board of Directors by the Board of
telah memperhatikan rekomendasi dari Komite Commissioners to the GMS has taken into account the
Remunerasi dan Nominasi; recommendations of the Remuneration and Nomination
Committee;
5. Anggota Direksi baik sendiri-sendiri maupun bersama- 5. None of the members of the Board of Directors,
sama tidak ada yang memiliki saham melebihi 25% dari individually or collectively, owns shares exceeding 25%
modal disetor pada perusahaan lain; of the paid-up capital in other companies;
6. Direksi tidak memiliki hubungan keuangan, hubungan 6. The Board of Directors has no financial relationship,
keluarga sampai derajat kedua dengan sesama anggota family relationship up to the second degree with fellow
Direksi, anggota Dewan Komisaris dan/atau Pemegang members of the Board of Directors, members of the
Saham Pengendali yang dapat mempengaruhi Board of Commissioners and/or Controlling Shareholders
kemampuannya untuk bertindak independen; that may affect their ability to act independently;
7. Anggota Direksi tidak memiliki jabatan rangkap sebagai 7. Members of the Board of Directors do not hold
anggota Direksi, anggota Dewan Komisaris atau Pejabat concurrent positions as members of the Board of
Eksekutif pada bank maupun institusi lainnya. Directors, members of the Board of Commissioners or
Executive Officers at banks or other institutions.
KOMPOSISI DIREKSI COMPOSITION OF THE BOARD OF DIRECTORS
Berdasarkan keputusan RUPS Luar Biasa tanggal 11 Mei Based on the resolution of the Extraordinary GMS dated 11
2023, sebagaimana tertuang dalam Akta Nomor 07 tanggal May 2023, as stated in Deed Number 07 dated 11 May 2023
11 Mei 2023 oleh Notaris DR. Agung Irianto, SH, MH di Jakarta by Notary DR. Agung Irianto, SH, MH in Jakarta with AHU-
dengan AHU-AH.01.09-0119665. Maka susunan Direksi AH.01.09-0119665, the composition of the Board of Directors
PT Bank Oke Indonesia, Tbk. adalah sebagai berikut: of PT Bank Oke Indonesia, Tbk. is as follows:
Nama Jabatan Dasar Pengangkatan Terakhir Persetujuan OJK
Name Position Basis for Last Appointment OJK Approval
Park Young Man Direktur Utama RUPSLB 11 Mei 2023 Nomor KEP -21/PB.1/2021
President Director EGM 11 May 2023 tanggal 15 Maret 2021
dated 15 March 2021
Hendra Lie Wakil Direktur Utama RUPSLB 11 Mei 2023 Nomor KEP -110/D.03/2019
Vice President Director EGM 11 May 2023 tanggal 21 Juni 2019
dated 21 June 2019
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Tata Kelola Perusahaan
Corporate Governance
Nama Jabatan Dasar Pengangkatan Terakhir Persetujuan OJK
Name Position Basis for Last Appointment OJK Approval
Efdinal Alamsyah Direktur Kepatuhan RUPSLB 11 Mei 2023 Nomor KEP-113/D.03/2019
Compliance Director EGM 11 May 2023 tanggal 21 Juni 2019
dated 21 June 2019
Inhyo Wang Direktur Kredit dan TI RUPSLB 11 Mei 2023 Nomor SR-68/PB.02/2023
IT and Credit Director EGM 11 May 2023 Tanggal 30 Mei 2023
dated 30 May 2023
Vincentia M. Djuniwati Wijaya Direktur Bisnis RUPSLB 11 Mei 2023 Nomor SR-128/PB.02/2023
Business Director EGM 11 May 2023 tanggal 25 Juli 2023
dated 25 July 2023
TUGAS DAN TANGGUNG JAWAB DIREKSI DUTIES AND RESPONSIBILITY OF THE BOARD OF
DIRECTORS
Direksi memiliki tugas dan tanggung jawab yang sudah The Board of Directors has carried out duties and
dilaksanakan sebagai berikut: responsibilities as follows:
1. Direksi bertugas menjalankan dan bertanggung jawab 1. The Board of Directors is in charge of running and
atas pengurusan Bank untuk kepentingan Bank sesuai responsible for the management of the Bank for the
dengan maksud dan tujuan Bank yang ditetapkan dalam benefit of the Bank in accordance with the purposes and
ketentuan peraturan perundang-undangan, anggaran objectives of the Bank as stipulated in the provisions
dasar, dan keputusan RUPS. of laws and regulations, articles of association, and
resolutions of the GMS.
2. Direksi wajib melaksanakan tugas, wewenang, dan 2. The Board of Directors shall carry out its duties,
tanggung jawab dengan itikad baik dan dengan prinsip authorities and responsibilities in good faith and with
kehati-hatian. prudence.
3. Direksi mempertanggungjawabkan pelaksanaan 3. The Board of Directors is accountable for the
tugasnya kepada Pemegang Saham melalui RUPS. implementation of its duties to the Shareholders
through the GMS.
4. Direksi menerapkan pelaksanaan prinsip-prinsip tata 4. The Board of Directors carries out the implementation
Kelola dalam setiap kegiatan usaha Bank pada seluruh of GCG principles in every business activity of the
tingkatan/jenjang organisasi PT Bank Oke Indonesia, Bank at all levels of the PT Bank Oke Indonesia, Tbk.
Tbk. organization.
5. Direksi senantiasa menindaklanjuti temuan pemeriksaan 5. The Board of Directors always follows up on audit
dan rekomendasi dari audit intern Bank maupun findings and recommendations from the Bank’s internal
ekstern, hasil pengawasan Otoritas Jasa Keuangan dan/ and external audits, the results of the supervision of
atau hasil pengawasan otoritas lain. the Financial Services Authority and/or the results of
supervision of other authorities.
6. Direksi wajib memiliki pedoman dan tata tertib 6. The Board of Directors must have guidelines and work
kerjayang bersifat mengikat bagi setiap anggota Direksi. rules that are binding for each member of the Board of
Directors.
7. Direksi membentuk Satuan Kerja Audit Internal, Satuan 7. The Board of Directors establishes Internal Audit
Kerja Kepatuhan, Satuan Kerja Manajemen Risiko, Unit, Compliance Unit, Risk Management Unit, Risk
Komite Manajemen Risiko, Komite ALCO, Komite Kredit Management Committee, ALCO Committee, Credit
dan Komite IT. Committee and IT Committee.
8. Direksi melakukan penilaian sesuai ketentuan yang 8. The Board of Directors conducts assessment in
berlaku terhadap komite-komite di bawah Direksi accordance with the applicable provisions, of the
seperti Komite Kredit, ALCO, IT Steering, Risk committees under the Board of Directors such as the
Management. Credit Committee, ALCO, IT Stering, Risk Management.
9. Direksi mengungkapkan secara terbuka kebijakan 9. The Board of Directors openly discloses strategic
yang bersifat strategis di bidang kepegawaian kepada personnel policies to employees through meetings
karyawan melalui pertemuan dengan seluruh karyawan, with all employees, Decrees and Circulars, and emails.
Surat Keputusan maupun Surat Edaran dan email.
10. Direksi menyediakan data dan informasi yang lengkap 10. The Board of Directors provides complete and accurate
dan akurat kepada Komisaris secara tepat waktu. data and information to the Commissioners in a timely
manner.
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11. Direksi melaksanakan pengelolaan data dan informasi 11. The Board of Directors conducts data and information
sesuai sesuai dengan Tata Kelola yang Baik pada Bank management in accordance with the Bank’s Good
dan ketentuanperaturan perundang-undangan. Governance and statutory provisions.
12. Keputusan-keputusan strategis senantiasa diputuskan 12. Strategic decisions are always decided through Board
melalui rapat Direksi yang pengambilan keputusannya of Directors meetings, where decisions are made by
dilakukan secara musyawarah mufakat, dibuat risalah deliberation and consensus, minutes of meetings
rapatnya dan didokumentasikan dengan baik, serta are made and well documented, and implemented in
diimplementasikan sesuai keputusan rapat, serta accordance with meeting decisions, as well as based on
didasarkan pada pedoman dan tata tertib kerja yang applicable guidelines and work rules. Resolutions are
berlaku. Keputusan diambil apabila seluruh Direksi yang adopted if all Directors present approve and cancelled
hadir menyetujui dan dibatalkan jika terjadi dissenting if there are dissenting opinions.
opinions.
13. Direksi tidak memanfaatkan Bank untuk kepentingan 13. The Board of Directors does not utilise the Bank for the
pribadi keluarga atau pihak lain serta tidak mengambil personal interests of the family or other parties, and
dan/atau menerima keuntungan pribadi selain does not take and/or receive personal benefits other
remunerasi dan fasilitas lainnya yang ditetapkan dalam than the remuneration and other facilities stipulated in
RUPS. the GMS.
14. Direksi melaksanakan tugas secara independen 14. The Board of Directors performs its duties independently
tanpa intervensi dari pihak manapun yang dapat without intervention from any party that may cause the
menyebabkan kegiatan operasional Bank terganggu Bank’s operational activities to be disrupted, resulting
sehingga berdampak pada berkurangnya keuntungan in a reduction in the Bank’s profits and/or causing losses
Bank dan/atau menyebabkan kerugian Bank. to the Bank.
TUGAS DAN TANGGUNG JAWAB MASING- DUTIES AND RESPONSIBILITIES OF EACH
MASING ANGGOTA DIREKSI MEMBER OF THE BOARD OF DIRECTORS
Direktur Utama President Director
• Direktur Utama bertanggung jawab atas perencanaan • The President Director is responsible for the tactical
dan pengembangan taktis dan strategis Bank, and strategic planning and development of the Bank,
membentuk tim manajemen yang efektif dan terpadu establishing an effective and integrated management
dan mengembangkan struktur serta budaya organisasi team and developing an organizational structure and
untuk mendorong pertumbuhan bisnis berdasarkan culture to drive business growth based on the Bank’s
pada rencana bisnis Bank. business plan.
• Direktur Utama memiliki hak dan wewenang untuk • The President Director has the right and authority to
bertindak untuk dan atas nama Direksi serta mewakili act for and on behalf of the Board of Directors and
Bank sesuai dengan Anggaran Dasar Bank. represent the Bank in accordance with the Bank’s
Articles of Association.
• Direktur Utama bertanggung jawab terhadap • The President Director is responsible for the ultimate
pengendalian utama atas seluruh operasi Bank dan control of all the Bank’s operations, and leads, guides
memimpin, membimbing, mengawasi semua unit and supervises all organizational units of the Bank.
organisasi Bank.
• Menentukan dan menerapkan strategi Bank sesuai • Determine and implement the Bank’s strategy in
amanat Rapat Umum Pemegang Saham. accordance with the mandate of the General Meeting
of Shareholders.
• Memimpin dan mengkoordinasikan pelaksanaan • Lead and coordinate the implementation of the
pengurusan Perseroan sebagaimana ditetapkan dalam Company’s management as stipulated in the Articles
Anggaran Dasar dan Keputusan Rapat Umum Pemegang of Association and the Resolutions of the General
Saham (RUPS) dengan berdasarkan ketentuan yang Meeting of Shareholders (GMS) based on the prevailing
berlaku. regulations.
• Memimpin, mengkoordinasikan, mengarahkan • Lead, coordinate, direct and supervise the Divisions
dan mensupervisi Divisi-Divisi di bawah lingkup under the scope of supervision, including ensuring
supervisinya termasuk memastikan dilaksanakannya the implementation of strategic plans (Bank Business
rencana strategis (Rencana Bisnis Bank) dan pencapaian Plan) and achievement of performance targets,
target kinerja, pelaksanaan kepatuhan pada regulasi, implementation of compliance with regulations, laws
peraturan perundangan-undangan dan ketentuan and regulations and internal provisions of the Company.
internal Perseroan.
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Tata Kelola Perusahaan
Corporate Governance
• Mengawasi dan memastikan koordinasi berbagai • Oversee and ensure the coordination of various
komite, unit kerja dalam Bank yang bertanggung jawab committees and work units within the Bank that are
kepada Direktur Utama. responsible to the President Director.
• Menilai/mengevaluasi dan menganalisa perkembangan • Assess/evaluate and analyze the Bank’s development
Bank bersama-sama anggota Direksi yang lain, together with other members of the Board of Directors,
serta merumuskan langkah-langkah perbaikan yang and formulate the necessary corrective measures.
diperlukan.
• Menjaga Bank selalu dalam kondisi sehat dan bersama • Maintain the Bank in a healthy condition and together
anggota Direksi menyelesaikan masalah- masalah lain with members of Board of Directors resolve other issues
yang berpotensi dapat menurunkan tingkat kesehatan that could potentially reduce the Bank’s soundness.
Bank.
• Menetapkan bahwa Bank berada dalam kondisi krisis • Determine that the Bank is in a liquidity crisis condition
likuiditas dan mengaktifkan fungsi Business Continuity and activate the Business Continuity Plan function
Plan serta menyusun strategi penanganan yang segera, and develop immediate, systematic, pragmatic and
sistematis, pragmatis dan terintegrasi. integrated handling strategies.
• Tugas-tugas lain seperti yang diatur dalam ketentuan • Other duties as stipulated in the provisions of Bank
Bank Indonesia/Otoritas Jasa Keuangan dan Peraturan Indonesia/Financial Services Authority and other
Perundang-undangan lain yang berlaku di Indonesia applicable laws and regulations in Indonesia as well as
serta Pedoman dari Parent Company. the guidelines of the Parent Company.
Wakil Direktur Utama Vice President Director
• Wakil Direktur Utama bertanggung jawab mendukung • The Vice President Director is responsible for supporting
pelaksanaan rencana strategis yang ditetapkan oleh the implementation of the strategic plan set by the
Direktur Utama. President Director.
• Wakil Direktur Utama bertanggung jawab dalam • The Vice President Director is responsible for directing
mengarahkan proses-proses perubahan yang diperlukan the change processes required in all areas to achieve
di semua bidang untuk mencapai tujuan perusahaan corporate objectives and business continuity.
dan kelangsungan bisnis.
• Bertanggung jawab mengembangkan dan memperkuat • Responsible for developing and strengthening the
image Perusahaan dan membangun relationship Company’s image and building relationships with
dengan nasabah, bank-bank koresponden serta customers, correspondent banks and financial
lembaga keuangan. institutions.
• Bersama Direktur Kredit memonitor, mengevaluasi • Together with the Credit Director, monitor and evaluate
portofolio kredit dalam hubungannya dengan kualitas the credit portfolio in terms of credit quality and target
kredit dan pencapaian target sesuai dengan rencana achievement in accordance with the Bank’s work plan,
kerja bank serta menetapkan langkah-langkah yang and determine the steps needed to improve credit
diperlukan dalam perbaikan kualitas dan penyelamatan quality and recovery.
kredit.
• Mengembangkan bisnis Treasury melalui aliansi • Develop Treasury business through strategic alliances
strategic dengan pihak lain dengan tujuan untuk with other parties with the aim of growing the Bank’s
mengembangkan bisnis bank. business.
• Memonitor sumber dan penggunaan dana baik yang • Monitor the sources and uses of funds, both in terms of
terkait dengan pencapaian target yang telah ditetapkan meeting pre-determined targets and maintaining day-
maupun dalam menjaga keamanan likuiditas sehari-hari. to-day liquidity.
• Memimpin, mengawasi dan memonitor jalannya bisnis • Lead, supervise and monitor the Bank’s business
bank terkait segmen kredit retail seperti kredit multi- operations related to retail credit segments such as
guna, payroll loan, dll. multi-purpose loans, payroll loans, etc.
• Memimpin pengembangan inisiatif baru untuk produk- • Lead the development of new initiatives for banking
produk dan jasa perbankan yang belum ada di bank products and services that do not yet exist in the Bank,
baik di bidang lending, funding maupun transactional both in the areas of lending, funding and transactional
base business sesuai dengan tujuan Bank. base business in accordance with the Bank’s objectives.
• Menilai/mengevaluasi dan menganalisa perkembangan • Assess/evaluate and analyze the Bank’s development
Bank bersama-sama Direksi yang lain, serta merumuskan together with other Directors, and formulate necessary
langkah-langkah perbaikan yang diperlukan. corrective measures.
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• Memimpin dan mengarahkan serta mensupervisi • Lead and direct and supervise the implementation of
penerapan kebijakan pada divisi yang langsung berada policies in divisions directly under the coordination of
di bawah koordinasi Wakil Direktur Utama. the Vice President Director.
• Tugas-tugas lain seperti yang diatur dalam ketentuan • Other duties as stipulated in the provisions of Bank
Bank Indonesia/Otoritas Jasa Keuangan dan Peraturan Indonesia/Financial Services Authority and other
Perundang-undangan lain yang berlaku di Indonesia applicable laws and regulations in Indonesia as well as
serta Pedoman dari Parent Company. the guidelines of the Parent Company.
• Bertanggung jawab mengatur, mengarahkan • Responsible for managing, directing and ensuring
dan memastikan kegiatan operasional Bank agar the Bank’s operational activities to always follow
senantiasa mengikuti ketentuan yang berlaku serta the applicable regulations and adhere to prudential
berpegang pada prinsip-prinsip kehati-hatian termasuk principles, including ensuring the implementation of
memastikan dijalankannya penerapan Manajemen Risk Management related to the Bank’s operations.
Risiko terkait dengan operasional Bank.
Direktur Kredit & TI Director of Credit & IT
• Bertanggung jawab dalam merumuskan dan • Responsible for formulating and planning credit
merencanakan kebijakan perkreditan yang akan policies to be pursued by the Bank in accordance
ditempuh oleh Bank sesuai dengan perkembangan with economic developments and the Bank’s internal
perekonomian dan kemampuan internal Bank serta capabilities as well as considering the Bank’s credit risk
mempertimbangkan faktor keamanan risiko kredit Bank. security factors.
• Bersama Wakil Direktur Utama bertanggung jawab • Together with the Vice President Director, responsible
terhadap tercapainya target kredit baik kualitas maupun for the achievement of credit targets, both in terms
kuantitas sesuai rencana bisnis Bank berdasarkan of quality and quantity, in accordance with the Bank’s
prinsip kehati-hatian. business plan based on prudential principles.
• Memastikan pelaksanaan prinsip kehati-hatian di bidang • Ensure the implementation of prudential principles in
perkreditan dengan menjamin terlaksananya ketentuan the field of credit by ensuring the implementation of
dalam Pedoman Kebijaksanaan Perkreditan Bank the provisions in the Bank’s Credit Policy Guidelines
(PKPB), Kualitas Aktiva Produksi (KAP), Pembentukan (PKPB), Quality of Productive Assets (KAP), Provision for
Penyisihan Aktiva Produktif (PPAP), Batas Maksimal Earning Assets (PPAP), Maximum Lending Limit (LLL),
Pemberian Kredit (BMPK), Rasio Kredit Bermasalah Non Performing Loan Ratio (NPL) and other applicable
(Non Performing Loan) dan ketentuan lainnya yang provisions in the field of credit.
berlaku di bidang perkreditan.
• Bertanggung jawab mengoptimalkan penerimaan • Responsible for optimizing revenue from the lending
pendapatan dari sektor perkreditan termasuk sector, including seeking the resale of Repossessed
mengupayakan penjualan kembali Agunan Yang Collateral (AYDA).
Diambil Alih (AYDA).
• Memimpin Komite Kredit dalam membahas permohonan • Lead the Credit Committee in discussing customer
kredit nasabah dan memberikan keputusan dalam credit applications and make decisions in the Credit
Komite Kredit. Committee.
• Mengawasi dan bertanggung jawab atas penyelesaian • Oversee and be responsible for the resolution of non-
kredit bermasalah termasuk melaksanakan usaha performing loans, including carrying out efforts to
penyelesaian kredit bermasalah baik di Kantor Pusat resolve non-performing loans, both at the Head Office
maupun di kantor cabang sesuai dengan program kerja and at branch offices in accordance with the work
dan sasaran yang telah ditetapkan. program and targets that have been set.
• Memimpin, mengkoordinasikan, mengarahkan • Lead, coordinate, direct and supervise the Divisions
dan mensupervisi Divisi-Divisi di bawah lingkup under the scope of supervision, including ensuring
supervisinya termasuk memastikan dilaksanakannya the implementation of strategic plans (Bank Business
rencana strategis (Rencana Bisnis Bank) dan pencapaian Plan) and achievement of performance targets,
target kinerja, pelaksanaan kepatuhan pada regulasi, implementation of compliance with regulations, laws
peraturan perundangan-undangan dan ketentuan and regulations and internal provisions of the Company.
internal Perseroan.
• Menilai/mengevaluasi dan menganalisa perkembangan • Assess/evaluate and analyze the Bank’s development
Bank bersama-sama Direksi yang lain, serta merumuskan together with other Directors, and formulate necessary
langkah-langkah perbaikan yang diperlukan. corrective measures.
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Tata Kelola Perusahaan
Corporate Governance
• Tugas-tugas lain seperti yang diatur dalam ketentuan • Other duties as stipulated in the provisions of Bank
Bank Indonesia/Otoritas Jasa Keuangan dan Peraturan Indonesia/Financial Services Authority and other
Perundang-undangan lain yang berlaku serta Pedoman applicable laws and regulations in Indonesia as well as
dari Parent Company. the guidelines of the Parent Company.
Direktur Bisnis Director of Business
• Bertanggung jawab dalam mengembangkan portofolio • Responsible for developing the Bank’s business
bisnis Bank portfolio.
• Memformulasikan serta mengimplementasikan strategi • Formulate and implement business strategies to
bisnis untuk menunjang pertumbuhan bisnis Bank, support the growth of the Bank’s business, particularly
khususnya di bidang perkreditan. in lending.
• Mengembangkan inisiatif baru untuk produk-produk • Develop new initiatives for banking products and
dan jasa perbankan di bidang lending. services in the area of lending.
• Bertanggung jawab melakukan analisa tentang bisnis • Responsible for analyzing the lending business and its
lending dan pertumbuhannya agar sejalan dengan growth in line with the Bank’s business plan.
rencana bisnis bank
• Bertanggung jawab untuk memastikan penerapan serta • Responsible for ensuring the implementation and
perbaikan terhadap proses bisnis improvement of business processes.
• Memimpin, mengarahkan penyusunan dan melakukan • Lead, direct the preparation and supervise the
supervisi pelaksanaan rencana kerja Direktorat Bisnis. implementation of the Business Directorate work plan.
• Membangun dan membina efektivitas dan efisiensi • Build and foster the effectiveness and efficiency of the
pelaksanaan tugas dan tanggung jawab pada jajaran implementation of duties and responsibilities in the
ruang lingkup direktoratnya. ranks of the scope of his directorate.
• Melaksanakan tugas-tugas lain yang diberikan oleh • Carry out other tasks assigned by the President Director,
Direktur Utama, Dewan Komisaris serta Pemegang Board of Commissioners and Shareholders, as long as
Saham, sepanjang tidak bertentangan dengan it does not conflict with the Articles of Association,
Anggaran Dasar, ketentuan internal, regulasi dan internal provisions, regulations and applicable laws and
peraturan perundang-undangan yang berlaku. regulations.
• Memimpin, mengkoordinasikan, mengarahkan • Lead, coordinate, direct and supervise the Divisions
dan mensupervisi Divisi-Divisi di bawah lingkup under the scope of supervision including ensuring
supervisinya termasuk memastikan dilaksanakannya the implementation of strategic plans (Bank Business
rencana strategis (Rencana Bisnis Bank) dan pencapaian Plan) and achievement of performance targets,
target kinerja, pelaksanaan kepatuhan pada regulasi, implementation of compliance with regulations,
peraturan perundangan-undangan, dan ketentuan laws and regulations, and internal provisions of the
internal Perseroan. Company.
• Menilai/mengevaluasi dan menganalisa perkembangan • Assess/evaluate and analyze the Bank’s development
Bank bersama-sama Direksi yang lain, serta merumuskan together with other Directors, and formulate necessary
langkah-langkah perbaikan yang diperlukan. corrective measures.
• Tugas-tugas lain seperti yang diatur dalam ketentuan • Other duties as stipulated in the provisions of Bank
Bank Indonesia/Otoritas Jasa Keuangan dan Peraturan Indonesia/Financial Services Authority and other
Perundang-undangan lain yang berlaku serta Pedoman applicable laws and regulations in Indonesia as well as
dari Parent Company. the guidelines of the Parent Company.
Direktur Kepatuhan Director of Compliance
• Membantu Direksi dalam memastikan bahwa kegiatan • Assist the Board of Directors in ensuring that the
bisnis dan internal Bank dikelola dan dilaksanakan Bank’s business and internal activities are managed and
secara bertanggung jawab sesuai dengan ketentuan implemented responsibly in accordance with applicable
yang berlaku. regulations.
• Memastikan Direksi membuat kebijakan dan/atau • Ensure the Board of Directors makes policies and/or
keputusan, yang sejalan dengan Bank Indonesia/OJK decisions, which are in line with Bank Indonesia/FSA
dan peraturan lain yang berlaku. and other applicable regulations.
• Bertanggung jawab menetapkan prosedur untuk • Responsible for establishing procedures to ensure the
memastikan kepatuhan bank terhadap semua peraturan bank’s compliance with all regulations (Bank Indonesia/
(Bank Indonesia/OJK/Peraturan lainnya) dalam rangka OJK/Other regulations) in the context of sound and
praktik perbankan yang sehat dan penuh kehati-hatian. prudent banking practices.
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• Bertanggung jawab untuk memantau dan menjaga • Responsible for monitoring and maintaining the bank’s
kepatuhan bank terhadap semua perjanjian dan compliance with all agreements and commitments
komitmen yang dibuat oleh Bank dengan Bank made by the Bank with Bank Indonesia/OJK/other
Indonesia/OJK/Institusi lainnya. institutions.
• Bertanggung jawab untuk memantau dan menjaga • Responsible for monitoring and maintaining that the
agar kegiatan/aktivitas Bank tidak melanggar peraturan Bank’s activities do not violate applicable regulations.
yang berlaku.
• Bertanggung jawab mengembangkan kebijakan dan • Responsible for developing written Risk Management
strategi Manajemen Risiko secara tertulis. policies and strategies.
• Memastikan dan memantau penerapan Manajemen • Ensure and monitor the implementation of Risk
Risiko di dalam bank serta mengembangkan budaya Management within the bank and develop a risk
manajemen risiko di semua tingkatan organisasi. management culture at all levels of the organization.
• Bertanggung jawab untuk memberikan keputusan akhir • Responsible for providing the final decision on
atas transaksi yang mencurigakan. suspicious transactions.
• Bersama-sama dengan anggota Direksi lain menetapkan • Together with other members of the Board of
sistem, sarana dan prasarana untuk penerapan Directors, establish systems, facilities and infrastructure
Manajemen Risiko pada seluruh unit kegiatan bank for the implementation of Risk Management in all
dengan menyusun kebijakan, prosedur dan strategi units of the bank’s activities by compiling written and
manajemen risiko secara tertulis dan komprehensif. comprehensive risk management policies, procedures
and strategies.
• Bersama-sama anggota Direksi lain memastikan • Together with other members of the Board of Directors,
dijalankannya berbagai aspek ketentuan dalam ensure the implementation of various aspects of risk
manajamen risiko yang meliputi risiko operasional, management provisions covering operational, credit,
kredit, pasar, likuiditas dan kepatuhan termasuk market, liquidity and compliance risks, including
menngelola risko yang melekat pada aktivitas baru. managing the risks inherent in new activities.
• Membuat laporan tahunan sebagai pertanggungjawaban • Prepare an annual report as the accountability of the
Direksi kepada Pemegang Saham, serta mengatur Board of Directors to the Shareholders, as well as
penyelenggaraan RUPS/RUPSLB dan melaksanakan hasil organize the GMS/EGMS and implement the results of
keputusannya. its decisions.
• Memimpin, mengkoordinasikan, mengarahkan • Lead, coordinate, direct and supervise the Divisions
dan mensupervisi Divisi-Divisi di bawah lingkup under the scope of supervision including ensuring
supervisinya termasuk memastikan dilaksanakannya the implementation of strategic plans (Bank Business
rencana strategis (Rencana Bisnis Bank) dan pencapaian Plan) and achievement of performance targets,
target kinerja, pelaksanaan kepatuhan pada regulasi, implementation of compliance with regulations,
peraturan perundangan-undangan, dan ketentuan laws and regulations, and internal provisions of the
internal Perseroan. Company.
• Tugas-tugas lain seperti yang diatur dalam ketentuan • Other duties as stipulated in the provisions of Bank
Bank Indonesia/Otoritas Jasa Keuangan dan Peraturan Indonesia/Financial Services Authority and other
Perundang-undangan lain yang berlaku serta Pedoman applicable laws and regulations in Indonesia as well as
dari Parent Company. the guidelines of the Parent Company.
RAPAT DIREKSI MEETINGS OF THE BOARD OF DIRECTORS
Sesuai POJK Nomor 17 Tahun 2023 dan Piagam Direksi In accordance with POJK 17 of 2023 and OK BANK’s Board
OK BANK, Direksi wajib melakukan rapat berkala paling of Directors’ Charter, the Board of Directors is required to
sedikit 1 (satu) kali dalam 1 (satu) bulan. Rapat juga dapat hold regular meetings at least 1 (one) time in 1 (one) month.
diselenggarakan sewaktu-waktu atas permintaan anggota Meetings may also be held at any time at the request of
Direksi selama memenuhi aturan yang telah ditetapkan. a member of the Board of Directors, provided that the
established rules are complied with.
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Tata Kelola Perusahaan
Corporate Governance
Sepanjang tahun 2023, Direksi OK BANK telah Throughout 2023, the Board of Directors of OK BANK held
menyelenggarakan rapat Direksi sebanyak 22 (dua puluh 22 (twenty-two) Board of Directors meetings, with the
dua) kali, dengan frekuensi kehadiran sebagai berikut: frequency of attendance as follows:
Nama Jabatan Jumlah rapat Kehadiran
Name Position Number of Meetings Attendance
Park Young Man Direktur Utama 22 22
President Director
Hendra Lie Wakil Direktur Utama 22 21
Vice President Director
Efdinal Alamsyah Direktur Kepatuhan 22 20
Compliance Director
Inhyo Wang* Direktur Kredit dan TI 6 6
IT and Credit Director
Vincentia M. Djuniwati Wijaya** Direktur Bisnis 5 5
Business Director
Joyo*** Direktur Operasional 10 10
Operational Director
Kim Seongtaek*** Direktur Kredit 10 9
Credit Director
* Efektif menjadi Direktur Kredit dan TI tanggal 06 Juli 2023 | Effective as Credit and IT Director on 06 July 2023
** Efektif menjadi Direktur Bisnis tanggal 31 Juli 2023 | Effective as Business Director on 31 July 2023
*** Efektif berhenti dari Direktur Operasional & Direktur Kredit tanggal 11 Mei 2023 | Effective resigned from Director of Operations & Director of Credit on 11 May 2023
Program orientasi bagi anggota Direksi yang baru diangkat Orientation program for newly appointed members of
Pada tahun 2023 terdapat perubahan komposisi anggota the Board of Directors In 2023, there were changes in the
Direksi pada posisi Direktur Kredit & TI serta Direktur Bisnis. composition of the Board of Directors in the positions
Kedua Direktur baru pada posisi tersebut telah diberikan of Credit & IT Director and Business Director. Both new
program pembekalan berupa manajemen risiko dan APU Directors have been given briefing programs on risk
PPT untuk mendukung pelaksanaan tugas dan tanggung management and AML/CFT to support the implementation
jawab mereka. of their duties and responsibilities.
Pelatihan Direksi Trainings for Board of Directors
OK BANK memberikan kesempatan kepada anggota Direksi OK BANK provides opportunities for members of the Board
untuk mengembangkan kompetensi dengan mengikuti of Directors to develop their competencies by attending
pelatihan/pendidikan/seminar. Sepanjang tahun 2023, training/education/seminars. Throughout 2023, OK BANK’s
Direksi OK BANK telah mengikuti beberapa program Board of Directors has participated in several competency
pengembangan kompetensi yaitu: development programs, namely:
Nama Jabatan Program yang Diikuti Penyelenggara Waktu dan Tempat
Name Position Program Attended Organizer Time and Place
Park Young Man Direktur Utama Refreshment Program of Risk Management LPPI Jakarta, 29 Agustus 2023
President Director Certification with theme of Global ESG & (Vendor) 29 August 2023
Bank Sustainability
Hendra Lie Wakil Direktur Utama Refreshment Program of Risk Management LPPI Jakarta, 29 Agustus 2023
Vice President Certification with theme of Global ESG & (Vendor) 29 August 2023
Director Bank Sustainability
Efdinal Alamsyah Direktur Kepatuhan Refreshment Program of Risk Management LPPI Jakarta, 29 Agustus 2023
Compliance Director Certification with theme of Global ESG & (Vendor) 29 August 2023
Bank Sustainability
Inhyo Wang Direktur Kredit dan TI Refreshment Program of Risk Management LPPI Jakarta, 29 Agustus 2023
IT and Credit Director Certification with theme of Global ESG & (Vendor) 29 August 2023
Bank Sustainability
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Nama Jabatan Program yang Diikuti Penyelenggara Waktu dan Tempat
Name Position Program Attended Organizer Time and Place
Vincentia M. Direktur Bisnis Pembekalan dan Refreshment Program LPPI Jakarta, 16 - 17 Mei 2023
Djuniwati Wijaya Business Director untuk Komisaris Level 7 Manajemen Risiko (Vendor) 16-17 May 2023
Debriefing and Refreshment Program for
Level 7 Risk Management Commissioners
Direktur Bisnis Mengenal Lebih Jauh Pengaturan UU P2SK OJK Jakarta, 23 November 2023
Business Director Dalam Rangka Penguatan Literasi, Inklusi,
dan Pelindungan Konsumen
Get to Know More about the Regulation of
P2SK Law in the Context of Strengthening
Consumer Literacy, Inclusion, and
Protection
Direktur Bisnis Pelatihan Mandatory POJK Nomor 8 Tahun LPP Jakarta, 12 - 13 Desember 2023
Business Director 2023 (APU PPT& PPPSPM 12-13 Des 2023) 12-13 December 2023
Mandatory Training of POJK Nomor 8 Year
2023 (AML/CFT & PPPSPM 12-13 Dec 2023)
PENILAIAN KINERJA DIREKSI PERFORMANCE ASSESSMENT OF THE BOARD OF
DIRECTORS
· Proses pelaksanaan penilaian kinerja Direksi dapat · The process of performance assessment of the Board
dilihat dari pencapaian Key Performance Indicators of Directors can be seen from the achievement of Key
(KPI) Direksi secara Individu serta KPI Direksi secara Performance Indicators (KPI) of the Board of Directors
kolegial. individually and KPI of the Board of Directors collegially.
· Dalam melakukan penilaian kinerja Direksi, Dewan · In assessing the performance of the Board of Directors,
Komisaris mengacu kepada indikator KPI. the Board of Commissioners refers to the KPI indicators.
· Prosedur dan tata cara penilaian kinerja Direksi meliputi: · The procedures and protocols for assessing the
performance of the Board of Directors include:
· Metode Penilaian self-assessment dilakukan oleh Direksi · Self-assessment method is carried out by the Board of
dengan menggunakan Formulir Self-Assessment. Directors using the Self Assessment Form.
· Waktu pelaksanaan: wajib melakukan penilaian sendiri · Implementation time: required to conduct self-
(self-assessment) minimal 1 (satu) kali dalam 1 (satu) assessment at least 1 (one) time in 1 (one) year.
tahun.
· Kriteria atau tolok ukur yang digunakan mengacu pada · The criteria or benchmarks used refer to the Bank’s
Rencana Bisnis Bank yang telah disetujui oleh Dewan Business Plan that has been approved by the Board of
Komisaris. Commissioners.
· Pihak yang melakukan penilaian kinerja Direksi adalah · The party that assesses the performance of the Board
Direksi itu sendiri, melalui metode self-assessment, yang of Directors is the Board of Directors itself, through the
kemudian hasilnya dievaluasi oleh Dewan Komisaris. self-assessment method, which is then evaluated by
the Board of Commissioners.
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Tata Kelola Perusahaan
Corporate Governance
Direksi OK BANK menjalankan tugas dan kewajiban operasionalnya
dengan berpedoman kepada Piagam Direksi yang ditinjau dan
diperbaiki secara berkala agar sesuai dengan peraturan perundangan
dan perkembangan praktik GCG terkini. Agar diperoleh keputusan
dan pelaksanaan kegiatan operasional dengan hasil terbaik, Direksi
OK BANK terdiri atas 5 orang Direktur dengan kompetensi dan
keahlian yang beragam serta menjalankan tugas-tugas operasional
spesifik yang telah ditetapkan sesuai keahliannya.
Direksi secara rutin menjalankan Rapat-rapat Internal maupun Rapat
Gabungan sesuai ketentuan, guna memutuskan berbagai aspek
strategis yang harus dijalankan dan didelegasikan oleh Direksi kepada
jajarannya sesuai ketentuntan Anggaran Dasar Bank.
The Board of Directors of OK BANK performs its operational duties and obligations based
on the Board of Directors Charter, which is reviewed and revised periodically to comply
with the latest laws and regulations and developments in GCG practices. In order to
make the best decisions and implement operational activities, the OK BANK Board of
Directors consists of 5 Directors with diverse competencies and expertise and performs
specific operational tasks that have been determined according to their expertise.
The Board of Directors regularly conducts Internal Meetings and Joint Meetings in
accordance with the provisions, to decide on various strategic aspects that must be
carried out and delegated by the Board of Directors to its staff in accordance with the
provisions of the Bank's Articles of Association.
PENILAIAN KINERJA KOMITE DI BAWAH DIREKSI PERFORMANCE ASSESSMENT OF COMMITTEES
UNDER THE BOARD OF DIRECTORS
Dalam menjalankan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board
dibantu oleh Komite Kredit, Komite Manajemen Risiko, of Directors is assisted by the Credit Committee, Risk
Komite Steering IT, Assets and Liability Committee (ALCO), Management Committee, IT Steering Committee, Assets
Komite Kebijakan Perkreditan dan Komite Pengembangan and Liability Committee (ALCO), Credit Policy Committee
Produk. Setiap tahun Direksi menilai kinerja dari Komite and Product Development Committee. Each year the Board
tersebut. of Directors assesses the performance of these Committees.
Adapun penilaian untuk tahun 2023 adalah sebagai berikut: The assessments for 2023 are as follows:
Penilaian kinerja dilakukan oleh masing-masing anggota Performance assessment is conducted by each member
Direksi, dengan kriteria target kinerja yang dituangkan of the Board of Directors, with performance target criteria
dalam kertas kerja sesuai dengan tugas dan tanggung outlined in the working papers in accordance with the
jawab masing-masing anggota komite. Dewan Direksi duties and responsibilities of each committee member.
menilai bahwa selama tahun 2023 komite-komite telah The Board of Directors assessed that during 2023 the
menjalankan tugas dan tanggung jawabnya dengan cukup committees had carried out their duties and responsibilities
efektif. quite effectively.
192 Laporan Tahunan 2023 Annual Report
Page 195
Nominasi dan Remunerasi Dewan
Komisaris dan Direksi
Nomination and Remuneration of The Board of Commissioners
and Directors
Pengangkatan dan pemberhentian anggota Dewan The appointment and dismissal of members of the Board of
Komisaris dan Direksi merupakan wewenang pemegang Commissioners and the Board of Directors is the authority of
saham yang dilakukan melalui mekanisme RUPS. the shareholders through the GMS mechanism. Shareholders
Pemegang saham juga berwenang untuk mendelegasikan are also authorized to delegate the determination of the
penetapan besaran remunerasi bagi anggota Dewan amount of remuneration for members of the Board of
Komisaris dan Direksi kepada Dewan Komisaris dengan Commissioners and Board of Directors to the Board of
mempertimbangkan rekomendasi dari Komite Nominasi Commissioners by considering the recommendations of the
dan Remunerasi. Nomination and Remuneration Committee.
Prosedur Nominasi Dewan Komisaris Dan Direksi Nomination Procedure for the Board of
Commissioners and Directors
Anggota Dewan Komisaris dan Direksi OK BANK diangkat Members of the Board of Commissioners and Board of
dan diberhentikan oleh RUPS. Pemegang Saham Pengendali Directors of OK BANK are appointed and dismissed by
dapat mengusulkan nama-nama calon anggota Dewan the GMS. Controlling Shareholders may propose the
Komisaris dan Direksi Bank untuk kemudian dilakukan names of candidates for members of the Bank’s Board of
pembahasan oleh Komite Remunerasi dan Nominasi. Selain Commissioners and Board of Directors for discussion by
itu, calon anggota Dewan Komisaris dan Direksi juga dapat the Remuneration and Nomination Committee. In addition,
berasal dari sumber lainnya. candidates for the Board of Commissioners and Board of
Directors may also come from other sources.
Pemegang Saham
Pengendali
Controlling Shareholders
Komite Nominasi & Dewan Komisaris RUPS
Remunerasi Board of Communication GMS
Nomination & Remuneration
Sumber Lain
Other Sources
Setelah dilakukan pembahasan oleh Komite Nominasi After discussion by the Nomination and Remuneration
dan Remunerasi, kemudian nama calon anggota Dewan Committee, the names of candidates for the Board of
Komisaris dan Direksi diajukan kepada Dewan Komisaris Commissioners and Board of Directors are submitted to the
untuk dimintakan persetujuannya pada saat RUPS. Board of Commissioners for approval at the GMS.
Kebijakan Remunerasi Dewan Komisaris dan Direksi Remuneration Policy for BOC and BOD
Penerapan kebijakan remunerasi Dewan Komisaris dan The implementation of the remuneration policy of the Board
Direksi OK BANK mengacu pada ketentuan Peraturan of Commissioners and Directors of OK BANK refers to the
Otoritas Jasa Keuangan Nomor 45/POJK.03/2015 tentang provisions of the Financial Services Authority Regulation
Penerapan Tata Kelola dalam Pemberian Remunerasi bagi Number 45/POJK.03/2015 concerning the Implementation
Bank Umum serta Surat Edaran Otoritas Jasa Keuangan of Governance in Providing Remuneration for Commercial
Nomor 40/SEOJK.03/2016 tentang Penerapan Tata Kelola Banks and Circular Letter of the Financial Services Authority
dalam Pemberian Remunerasi Bank Umum. Number 40/SEOJK.03/2016 concerning the Implementation of
Governance in Providing Remuneration for Commercial Banks.
PT BANK OKE INDONESIA Tbk 193
Page 196
Tata Kelola Perusahaan
Corporate Governance
Berdasarkan kebijakan tersebut, Dewan Komisaris dan Based on this policy, the Board of Commissioners and
Direksi menerima paket remunerasi yang terdiri dari: the Board of Directors receive a remuneration package
consisting of:
1. Remunerasi yang bersifat tetap yaitu remunerasi yang 1. Fixed remuneration is remuneration that is not linked
tidak dikaitkan dengan kinerja dan risiko, antara lain with performance and risk, including honorarium and
honorarium dan tunjangan hari raya. holiday allowances.
2. Remunerasi yang bersifat variabel yaitu Remunerasi 2. Variable remuneration, which is remuneration that is
yang dikaitkan dengan kinerja dan risiko, antara lain linked to performance and risk, including production
jasa produksi atau bentuk lainnya yang dipersamakan services or other forms that are equivalent to it.
dengan itu.
Kebijakan remunerasi baik bagi Dewan Komisaris dan The remuneration policy for both the Board of
Direksi mengacu kepada rekomendasi dari Komite Commissioners and the Board of Directors refers to the
Nominasi dan Remunerasi yang memberikan rekomendasi recommendations of the Nomination and Remuneration
kepada Dewan Komisaris terkait prosedur untuk meninjau Committee which provides recommendations to the Board
struktur, kebijakan dan rencana remunerasi serta syarat of Commissioners regarding the procedures for reviewing
dan ketentuan bagi Dewan Komisaris dan Direksi untuk the structure, policies and remuneration plans as well as the
kemudian diajukan kepada RUPS terms and conditions for the Board of Commissioners and
Directors to be submitted to the GMS.
Direksi
Dewan Komisaris
Jenis Penghasilan/Fasilitas Board of Directors
Board of Commussioners
No Type of Income/Facilities
Orang Orang
Rp Rp
Person Person
1 Gaji, Bonus, Tunjangan Rutin, Tantiem dan 3 Rp1.988.000.000,- 5 Rp18.084.659.572,-
Fasilitas Lainnya dalam Bentuk Non Natura
Salary, Bonus, Routine Allowance, Tantiem
and Other Facilities in the Form of Non Nat-
ura
2 Fasilitas Lain Dalam Bentuk Natura yang: - - - -
• Dapat Dimiliki
• Tidak Dapat Dimiliki
Other Facilities in the Form of Natura that:
• Ownable
• Not Ownable
Jumlah | Total 3 Rp1.988.000.000,- 5 Rp18.084.659.572,-
Jumlah Remunerasi dalam Setahun Jumlah Direksi Jumlah Dewan Komisaris
Total Remuneration in a Year Number of Directors Number of Board of Commissioners
Di atas Rp2 miliar 4 0
Above Rp2 billion
Di antara Rp1 sampai Rp2 miliar 1 0
Between Rp1 and Rp2 billion
Di antara Rp500 juta-di bawah Rp1 miliar 0 2
Between Rp500 million-under Rp1 billion
Di bawah Rp500 juta 0 1
Below Rp500 million
194 Laporan Tahunan 2023 Annual Report
Page 197
Uraian Rasio
Ratio Ratio
Gaji Pegawai Tertinggi dan Terendah 95%
Salary of Highest and Lowest Employee
Gaji Direksi Tertinggi dan Terendah 63,5%
Highest and Lowest Directors' Salary
Gaji Komisaris Tertinggi dan Terendah 21,5%
Highest and Lowest Commissioner Salary
Gaji Direksi Tertinggi dan Pegawai Tertinggi 66%
Highest Board of Directors and Highest Employee Salary
KEBIJAKAN DAN KEBERAGAMAN DEWAN POLICIES AND DIVERSITY OF THE BOARD OF
KOMISARIS DAN DIREKSI COMMISSIONERS AND DIRECTORS
Pengangkatan Dewan Komisaris dan Direksi dilakukan The appointment of the Board of Commissioners and
dengan mempertimbangkan jenis kelamin, pendidikan, the Board of Directors is made by considering gender,
pengalaman, dan pemahaman mengenai masalah education, experience, and understanding of corporate
manajemen perusahaan, memiliki pengetahuan dan/atau management issues, having knowledge and/or expertise in
keahlian di bidang yang dibutuhkan OK BANK dan dapat the fields required by OK BANK and can provide sufficient
menyediakan waktu yang cukup untuk melaksanakan time to carry out their duties and other requirements based
tugasnya serta persyaratan lain berdasarkan peraturan on laws and regulations.
perundang-undangan.
Saat ini Dewan Komisaris maupun Direksi telah memenuhi Currently, both the Board of Commissioners and the Board
kriteria baik dari jenis kelamin, pendidikan, pengalaman, of Directors have met the criteria in terms of gender,
pemahaman mengenai masalah manajemen perusahaan, education, experience, understanding of corporate
serta memiliki pengetahuan dan/atau keahlian di bidang management issues, and have knowledge and/or expertise
yang dibutuhkan OK BANK. in the fields required by OK BANK.
Keberagaman komposisi Dewan Komisaris tercermin dari The diversity of the composition of the Board of
pendidikan, pengalaman kerja, dan jenis kelamin yang Commissioners is reflected in education, work experience,
dapat dilihat dalam tabel di bawah ini: and gender which can be seen in the table below:
Jenis
Nama Jabatan Pendidikan Pengalaman Kerja Keahlian
Kelamin
Name Position Education Work Experience Expertise
Gender
Lim Cheol Jin Komisaris Utama Laki-laki Bachelor English Memiliki pengalaman kerja terutama di Perbankan
President Male Education bidang perbankan. Banking
Commissioner Have work experience especially in
banking.
Sondang Martha Komisaris Wanita · Master of Memiliki pengalaman kerja terutama di Pengawasan
Samosir Independen Female Management bidang pengawasan Industri Keuangan Industri Keuangan
Independent · Sarjana Ekonomi dan perbankan (OJK) dan Perbankan
Commissioner · Master of Have work experience especially in Supervision of the
Management the field of supervision of the Financial Financial Industry
· Bachelor of Industry and banking (OJK) and Banking
Economics
Chairudin Komisaris Laki-laki Sarjana Akuntansi Memiliki pengalaman kerja terutama di Pengawasan
Independen Male Bachelor of bidang pengawasan Industri keuangan Industri Perbankan
Independent Accounting dan perbankan (BI) Banking Supervision
Commissioner Have work experience especially in
the field of supervision of the Financial
Industry and banking (BI)
Park Young Man Direktur Utama Laki-laki · Executive Master Memiliki pengalaman kerja terutama di Perbankan
President Director Male of Business bidang perbankan.
Administration. Have work experience especially in the
· Bachelor field of banking industry
of Business
Administration
PT BANK OKE INDONESIA Tbk 195
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Tata Kelola Perusahaan
Corporate Governance
Jenis
Nama Jabatan Pendidikan Pengalaman Kerja Keahlian
Kelamin
Name Position Education Work Experience Expertise
Gender
Hendra Lie Wakil Direktur Laki-laki · Magister Hukum Memiliki pengalaman kerja terutama di Perbankan
Utama Male · Sarjana Ekonomi bidang perbankan.
Vice President Have work experience especially in the
Director field of banking industry
Inhyo Wang Direktur Kredit Laki-laki Bachelor dari KAIST Memiliki pengalaman kerja terutama di Perbankan,
dan TI Male Bachelor of KAIST bidang asuransi, konsultan keuangan, Asuransi, Konsultan
IT and Credit kredit perbankan dan TI. dan TI
Director Have work experience especially in
insurance, financial consulting, bank
credit and IT.
Vincentia M. Direktur Bisnis Wanita · Sarjana Ekonomi Memiliki pengalaman kerja terutama Sales perbankan
Djuniwati Wijaya Business Director Female · Magister of Finance di bidang sales perbankan, banking product,
· Bachelor of commercial, wholesale banking. commercial
Economics Have work experience especially in banking, wholesale
· Master of Finance banking sales, commercial banking, banking
wholesale banking.
Efdinal Alamsyah Direktur Laki-laki · Magister Hukum Memiliki pengalaman kerja di perbankan Compliance, Legal,
Kepatuhan Male · Magister terutama di bidang Compliance, Risk Risk Management,
Compliance Manajemen Management, HR, GA, Corporate loan, Corporate Secretary
Director · Sarjana Hukum Legal dan Corporate Secretary.
· Master of Law Have work experience in banking,
· Master of especially in the fields of Compliance,
Management Risk Management, HR, GA, Corporate
· Bachelor of Law loan, Legal and Corporate Secretary.
DISCLOSURE OF AFFILIATIONS OF THE BOARD
PENGUNGKAPAN HUBUNGAN AFILIASI DEWAN OF COMMISSIONERS WITH DIRECTORS AND
KOMISARIS DENGAN DIREKSI DAN DENGAN WITH SHAREHOLDERS
PEMEGANG SAHAM
Hubungan Afiliasi
Affiliation Relationship
Nama dan Jabatan
Affiliation Relationship Dengan Anggota Direksi Dengan Anggota Dengan Pemegang Saham
With Members of the Komisaris Utama & Pengendali
Board of Directors With Members of the With Major & Controlling
Board of Commissioners Shareholders
Lim Cheol Jin Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Komisaris Utama afiliasi afiliasi afiliasi
President Commissioner No affiliation No affiliation No affiliation
Sondang Martha Samosir Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Komisaris Independen afiliasi afiliasi afiliasi
Independent Commissioner No affiliation No affiliation No affiliation
Chairudin Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Komisaris Independen afiliasi afiliasi afiliasi
Independent Commissioner No affiliation No affiliation No affiliation
Park Young Man Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Direktur Utama afiliasi afiliasi afiliasi
President Director No affiliation No affiliation No affiliation
Hendra Lie Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Wakil Direktur Utama afiliasi afiliasi afiliasi
Vice President Director No affiliation No affiliation No affiliation
Inhyo Wang Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Direktur Kredit dan TI afiliasi afiliasi afiliasi
IT and Credit Director No affiliation No affiliation No affiliation
Vincentia M. Djuniwati Wijaya Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Direktur Bisnis afiliasi afiliasi afiliasi
Business Director No affiliation No affiliation No affiliation
Efdinal Alamsyah Tidak memiliki hubungan Tidak memiliki hubungan Tidak memiliki hubungan
Direktur Kepatuhan afiliasi afiliasi afiliasi
Compliance Director No affiliation No affiliation No affiliation
196 Laporan Tahunan 2023 Annual Report
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Komite di Bawah Dewan Komisaris
Committees Under the Board of Commissioners
Untuk mendukung efektivitas pelaksanaan tugas dan The committees that were formed to support the effective
tanggung jawab Komite-komite di bawah Dewan Komisaris implementation of the duties and responsibilities of the
adalah: Board of Commissioners are:
• Komite Audit; • Audit Committee;
• Komite Pemantau Risiko; • Risk Monitoring Committee;
• Komite Remunerasi dan Nominasi. • Remuneration and Nomination Committee.
KOMITE AUDIT AUDIT COMMITTEE
Komite Audit dibentuk dengan tujuan untuk membantu dan The Audit Committee was formed with the aim of assisting
memfasilitasi Dewan Komisaris dalam menjalankan tugas and facilitating the Board of Commissioners in carrying
dan fungsi pengawasan. Lingkup pengawasan Komite Audit out its supervisory duties and functions. The scope of
meliputi hal-hal yang terkait dengan informasi keuangan, supervision of the Audit Committee includes matters
sistem pengendalian intern (internal control system), related to financial information, the internal control system,
efektivitas pemeriksaan oleh Auditor Eksternal dan lnternal, the effectiveness of audits by external and internal auditors,
efektivitas pelaksanaan manajemen risiko (bersama dengan the effectiveness of risk management implementation
pemantau risiko) serta kepatuhan terhadap peraturan (together with risk monitors), and compliance with
perundang-undangan yang berlaku. applicable laws and regulations.
Komite Audit senantiasa berpedoman pada Piagam Komite
Audit dalam membantu Dewan Komisaris menjalankan tugas
dan fungsi pengawasan. Mengingat perannya yang strategis
anggota Komite Audit adalah Komisaris Independen dan Pihak
Independen dengan pengalaman mumpuni dan rutin mengikuti
program pengingkatan kompetensi yang relevan di bidangnya.
Komite Audit menyelenggarakan total 6 kali rapat internal
dalam rangka menjalankan tugasnya.
The Audit Committee is always guided by the Audit Committee Charter in assisting the
Board of Commissioners in carrying out its supervisory duties and functions. Given its
strategic role, the members of the Audit Committee are Independent Commissioners
and Independent Parties with qualified experience and regularly attend relevant
competency improvement programs in their fields. The Audit Committee held a total of
6 internal meetings in order to carry out its duties.
DASAR HUKUM LEGAL BASIS
1. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 1. Financial Services Authority Regulation Number 17 of
tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning the implementation of Governance for
Commercial Banks.
2. Peraturan Otoritas Jasa Keuangan Nomor 55/ 2. Financial Services Authority Regulation Number
POJK.04/2015 tentang pembentukan dan pedoman 55/POJK.04/2015 concerning the formation and
pelaksanaan Kerja Komite audit. implementation guidelines for the work of the audit
committee.
PT BANK OKE INDONESIA Tbk 197
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Tata Kelola Perusahaan
Corporate Governance
PIAGAM KOMITE AUDIT AUDIT COMMITTEE CHARTER
Dalam melaksakan fungsinya, Komite Audit berpedoman In carrying out its functions, the Audit Committee is guided
pada Piagam Komite Audit yang mengatur tugas, tanggung by the Audit Committee Charter, which regulates the duties,
jawab serta wewenang dari Komite Audit. responsibilities, and authority of the Audit Committee.
PERIODE JABATAN ANGGOTA KOMITE AUDIT TERM OF SERVICE OF AUDIT COMMITTEE
MEMBERS
Masa tugas anggota Komite Audit tidak lebih lama dari The term of office of members of the Audit Committee is no
masa jabatan Dewan Komisaris dan dipilih kembali hanya longer than the term of office of the Board of Commissioners,
untuk satu periode berikutnya. Periode jabatan Komite and they are re-elected only for one more term. The term of
Audit sudah memenuhi ketentuan Peraturan Otoritas Jasa office of the Audit Committee complies with the provisions
Keuangan Nomor 33/ POJK.04/2014. of Financial Services Authority Regulation Number 33/
POJK.04/2014.
KOMPOSISI ANGGOTA KOMITE AUDIT COMPOSITION OF AUDIT COMMITTEE MEMBERS
Keanggotaan Komite Audit terdiri dari 4 (orang) orang: The membership of the Audit Committee consists of 4
yang terdiri dari seorang Komisaris Independen merangkap (people, consisting of an Independent Commissioner
Ketua Komite Audit dan 3 (tiga) orang anggota yang terdiri who is also the Chairman of the Audit Committee and
dari 1 (satu) orang Komisaris Independen dan 2 (dua) 3 (three) members consisting of 1 (one) Independent
orang Pihak Independen yang memiliki keahlian di bidang Commissioner and 2 (two) Independent Parties who
akuntansi dan perbankan. have expertise in accounting and banking fields.
Seluruh anggota Komite Audit tidak ada yang memiliki All members of the Audit Committee do not have financial,
hubungan keuangan, kepengurusan, kepemilikan saham management, share ownership, and/or family relationships
dan/atau hubungan keluarga dengan Dewan Komisaris, with the Board of Commissioners, the Board of Directors,
Direksi dan/atau Pemegang Saham Pengendali atau and/or Controlling Shareholders or relationships with the
hubungan dengan Bank yang dapat mempengaruhi Bank that could affect their ability to act Independently.
kemampuannya untuk bertindak Independen. Susunan The composition of the Audit Committee members as of
Anggota Komite Audit per 31 Desember 2023 adalah December 31, 2023 is as follows:
sebagai berikut:
Nama Jabatan Pengangkatan Keterangan
Name Position Appointment Description
Chairudin (*) Ketua Komite Audit 379/KEP/DIR/BOI/VII/2023 Komisaris Independen
Chairman of the Audit Committee Independent Commissioner
Sondang Martha Samosir Anggota Komite Audit 379/KEP/DIR/BOI/VII/2023 Komisaris Independen
Member of the Audit Committee Independent Commissioner
Joyo ** Anggota Komite Audit 379/KEP/DIR/BOI/VII/2023 Pihak Independen
Member of the Audit Committee Independent Party
Heru Subroto Anggota Komite Audit 379/KEP/DIR/BOI/VII/2023 Pihak Independen
Member of the Audit Committee Independent Party
* Efektif menjadi ketua komite audit tanggal 1 September 2023 | Effective as chairman of the audit committee on September 1, 2023
** Efektif menjadi anggota komite audit tanggal 14 November 2023 | Effective as a audit committee member on November 14, 2023
Profil Komite Audit Audit Committee Profile
• Chairudin – Ketua Komite Audit • Chairudin – Chairman of the Audit Committee
Profil dapat dilihat pada bagian Profil Dewan Komisaris The profile can be seen in the Board of Commissioners
dalam Laporan Tahunan ini. Profile section of this Annual Report.
• Sondang Martha Samosir - Anggota Komite Audit • Sondang Martha Samosir - Member of the Audit
Committee
Profil dapat dilihat pada bagian Profil Dewan Komisaris The profile can be seen in the Board of Commissioners
dalam Laporan Tahunan ini. Profile section of this Annual Report.
198 Laporan Tahunan 2023 Annual Report
Page 201
• Joyo – Anggota Komite Audit • Joyo – Member of the Audit Committee
Warga Negara Indonesia, 60 tahun. Ditunjuk menjadi Indonesian citizen, 60 years old. Appointed as a member
anggota Komite Audit dan anggota Komite Pemantau of the Audit Committee and member of the Risk
Risiko melalui Keputusan Direksi Nomor 379/KEP/DIR/ Monitoring Committee through the Board of Directors’
BOI/VII/2023 tentang Perubahan Ketua dan Anggota Decree Number 379/KEP/DIR/BOI/VII/2023 concerning
Komite. Meraih gelar Sarjana Ekonomi dari Universitas Changes in Chairman and Committee Members. Holds
Negeri Jember. Pernah menjabat sebagai Satuan Kerja a Bachelor’s degree in Economics from Jember State
Audit Intern pada PT Bank Prasidha Utama (1996-2000), University. He served as Internal Audit Work Unit at PT
Kepala Satuan Kerja Audit Intern (SKAI) PT Bank Dinar Bank Prasidha Utama (1996-2000), Head of Internal Audit
Indonesia Tbk (2000-2002), Direktur Kepatuhan PT Bank Work Unit (SKAI) PT Bank Dinar Indonesia Tbk (2000-
Dinar Indonesia Tbk (2002- 2007), Direktur Operasional 2002), Compliance Director at PT Bank Dinar Indonesia
(2007- 2023). Tbk (2002–2007), and Director of Operations (2007-2023).
• Heru Subroto - Anggota Komite Audit dan Anggota • Heru Subroto - Member of the Audit Committee and
Komite Pemantau Risiko Member of the Risk Monitoring Committee
Warga Negara Indonesia, 68 tahun. Ditunjuk menjadi Indonesian citizen, 68 years old. Appointed as a member
anggota Komite Audit dan anggota Komite Pemantau of the Audit Committee and member of the Risk
Risiko melalui Keputusan Direksi Nomor 379/KEP/DIR/ Monitoring Committee through the Board of Directors’
BOI/VII/2023 tentang Perubahan Anggota Komite. Decree Number 379/KEP/DIR/BOI/VII/2023 concerning
Meraih gelar Master pada EDP/IT Audit, Polytechnic Changes in Committee Members. Holds a Master’s
University, USA tahun 1991. Pada tahun 1997-2009 degree in EDP/IT Audit, Polytechnic University, USA, in
memulai karir di Bank BNI sebagai AVP/ IT audit group 1991. In 1997–2009, he started his career at Bank BNI as
head, Audit Division. Tahun 2009-2010 sebagai VP/ AVP/IT Audit Group Head, Audit Division. In 2009–2010,
Deputy General Manager Operational Div, BNI. Tahun he served as VP/Deputy General Manager Operational
2011-2013 sebagai IT Consultant di Koperasi Swardarma. Division, BNI. 2011–2013 as an IT Consultant at the
Tahun 2013-2015 sebagai Project Manager dan Internal Swardarma Cooperative. 2013–2015 as Project Manager
Control PT SDD Group. Tahun 2015-2018 sebagai Senior and Internal Control of PT SDD Group. 2015–2018 as a
Consultant PT Mitra Bisnis Ciptakarya. Tahun 2018 Senior Consultant at PT Mitra Bisnis Ciptakarya. From
sampai dengan sekarang sebagai Pengurus Internal 2018 until present, he served as Internal Audit and IT
Audit dan TI di Persatuan Pensiunan BNI. Sejak Juni 2021 Manager at the BNI Pensioners Association. Since June
sampai dengan sekarang bergabung dengan OK BANK 2021 until present, he has joined OK BANK as a member
sebagai anggota Komite Audit dan anggota Komite of the Audit Committee and the Risk Monitoring
Pemantau Risiko. Committee.
TUGAS DAN TANGGUNG JAWAB KOMITE AUDIT DUTIES AND RESPONSIBILITIES OF THE AUDIT
COMMITTEE
Tugas dan tanggung jawab Komite Audit adalah The duties and responsibilities of the Audit Committee are
memberikan rekomendasi kepada Dewan Komisaris: to provide recommendations to the Board of Commissioners
as follows:
1. Melakukan pemantauan dan evaluasi atas 1. Monitoring and evaluating audit planning and
perencanaan dan pelaksanaan audit serta pemantauan implementation, as well as monitoring follow-up on
tindak lanjut hasil audit dalam rangka menilai kecukupan audit results, in order to assess the adequacy of internal
pengendalian intern dan proses pelaporan keuangan; control and financial reporting processes;
2. Melakukan review terhadap: 2. Review:
a. Pelaksanaan tugas SKAI; a. Implementation of SKAI duties;
b. Kesesuaian pelaksanaan audit oleh KAP dengan b. Conformity of audit implementation by PAF with
standar audit yang berlaku; applicable audit standards;
c. Kesesuaian laporan keuangan dengan standar c. Conformity of financial statements with applicable
akuntansi yang berlaku; dan accounting standards; and
d. Pelaksanaan tindak lanjut oleh Direksi atas hasil d. Implementation of follow-up actions by the Board
temuan SKAI, Akuntan Publik dan hasil Otoritas Jasa of Directors regarding the findings of SKAI, Public
Keuangan dan Bank Indonesia. Accountants, and the results of the Financial
Services Authority and Bank Indonesia.
3. Memberikan rekomendasi penunjukan Akuntan Publik 3. Provide recommendations for the appointment of a
dan Kantor Akuntan Publik (KAP) sesuai ketentuan yang Public Accountant and Public Accounting Firm (PAF)
berlaku kepada RUPS melalui Dewan Komisaris. in accordance with applicable regulations to the GMS
through the Board of Commissioners.
PT BANK OKE INDONESIA Tbk 199
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Tata Kelola Perusahaan
Corporate Governance
INDEPENDENSI KOMITE AUDIT INDEPENDENCE OF THE AUDIT COMMITTEE
Setiap anggota Komite Audit diwajibkan memberikan Each member of the Audit Committee is required to provide
pernyataan independensi, yang diperbarui setiap tahun. a statement of independence, which is updated annually. The
pernyataan independensi Komite Audit disusun sesuai Audit Committee’s independence statement is prepared in
POJK Nomor 55/POJK.04/2015 tentang pembentukan dan accordance with POJK Number 55/POJK.04/2015 concerning
pedoman pelaksanaan Kerja Komite audit pasal 7, terkait the formation and implementation guidelines for the work
persyaratan Keanggotaan dan masa tugas Komite Audit. of the audit committee, Article 7, related to the membership
requirements and term of office of the audit committee.
Aspek Independensi Sondang Martha
Chairudin* Joyo** Heru Subroto
Independence Aspects Samosir
Tidak memiliki memiliki hubungan afiliasi dengan Pemegang √ √ √ √
Saham, Dewan Komisaris, serta Direksi
Does nit have affiliated relationship with Shareholders, Board of
Commissioners and Directors
Tidak memiliki hubungan usaha secara langsung dan tidak langsung √ √ √ √
dengan Perusahaan
Does not have direct or indirect business relationships with the
Company
Tidak memiliki hubungan kepengurusan dengan Perusahaan √ √ √ √
Does not have management relationship with the Company
Tidak memiliki saham langsung maupun tidak langsung di √ √ √ √
Perusahaan
Does not have direct or indirect shares in the Company
* Efektif menjadi ketua komite tanggal 1 September 2023 | Effective as chairman of the committee on September 1, 2023
** Efektif menjadi anggota komite tanggal 14 November 2023 | Effective as a committee member on November 14, 2023
RAPAT KOMITE AUDIT AUDIT COMMITTEE MEETING
Rapat Komite Audit diadakan minimal satu kali dalam 3 Audit Committee meetings are held at least once every
bulan. Namun Apabila diperlukan, rapat Komite Audit dapat 3 months. However, if necessary, Audit Committee
dihadiri oleh anggota Dewan Komisaris, anggota Direksi, meetings can be attended by members of the Board of
atau auditor eksternal Bank. Commissioners, members of the Board of Directors, or the
Bank’s external auditors.
Sepanjang tahun 2023, Komite Audit OK BANK Throughout 2023, the OK BANK Audit Committee held 6
menyelenggarakan rapat sebanyak 6 (enam) kali dengan (six) meetings with the frequency of member attendance
frekuensi kehadiran anggota sebagai berikut: as follows:
Jumlah Rapat
Nama Jabatan Kehadiran Persentase
Number of
Name Position Attendance Percentage
Meeting
Chairudin * Ketua Komite Audit 3 3 100%
Chairman of the Audit Committee
Sondang Martha Samosir Anggota Komite Audit 6 6 100%
Member of the Audit Committee
Idham Aziz ** Anggota Komite Audit 2 2 100%
Member of the Audit Committee
Heru Subroto Anggota Komite Audit 6 6 100%
Member of the Audit Committee
Joyo *** Anggota Komite Audit 2 2 100%
Member of the Audit Committee
* Efektif menjadi ketua komite audit tanggal 1 September 2023 | Effective as chairman of the audit committee on September 1, 2023
** Efektif berhenti dari ketua komite audit tanggal 11 Mei 2023 | Effectively resigned as chairman of the audit committee on May 11, 2023
*** Efektif menjadi anggota komite audit tanggal 14 November 2023 | Effective as a audit committee member on November 14, 2023
200 Laporan Tahunan 2023 Annual Report
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LAPORAN PELAKSANAAN TUGAS KOMITE AUDIT REPORT ON THE IMPLEMENTATION OF THE
AUDIT COMMITTEE’S DUTIES
Sepanjang tahun 2023, Komite Audit telah merealisasikan Throughout 2023, the Audit Committee has implemented
program kerja di antaranya: work programs including:
1. Memberikan Rekomendasi atas Rencana Kerja SKAI. 1. Provide Recommendations on the SKAI Work Plan.
2. Melakukan evaluasi atas pelaksanaan audit selama 2. Conduct an evaluation of the implementation of the
tahun 2023 serta Laporan Pokok-Pokok Hasil Audit audit during 2023 as well as a report on the main audit
Semester I dan II 2023. results for Semesters I and II 2023.
3. Memantau pelaksanaan tindak lanjut atas temuan hasil 3. Monitor the implementation of follow-up actions on
audit internal maupun eksternal. internal and external audit findings.
4. Memberikan rekomendasi AP/KAP dan melakukan 4. Provide PA/PAF recommendations and evaluate the
evaluasi pelaksanaan kinerja AP/KAP. implementation of PA/PAF performance.
5. Memberikan rekomendasi atas hasil audit. 5. Provide recommendations on audit results.
6. Melakukan evaluasi atas kinerja Keuangan Bank. 6. Evaluate the Bank’s financial performance.
7. Menyusun laporan Komite Audit terkait pelaksanaan 7. Prepare an Audit Committee report regarding the
kerja Komite Audit. implementation of the Audit Committee’s work.
PROGRAM PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT PROGRAM
Sepanjang tahun 2023, anggota Komite Audit mengikuti Throughout 2023, Audit Committee members participated
program-program pengembangan kompetensi, sebagai in competency development programs, as follows:
berikut:
Tabel Pengembangan Kompetensi Komite Audit
Audit Committee Competency Development Table
Metode Jumlah
Pelatihan Pelatihan Peserta Nama
No Vendor Period
Training Training Total Name
Method Participants
1 Training Penerapan POJK Nomor 11/POJK.03/2022 LMI Publik 09 Maret 2023 1 Murniasih
dan SEOJK Nomor 29/SEOJK.03/2022 dalam
Pencegahan Risiko Kejahatan Siber di Industri
Keuangan
Training on the Implementation of POJK
Nomor 11/POJK.03/2022 and SEOJK Nomor 29/
SEOJK.03/2022 in Preventing Cyber Crime Risks in
the Financial Industry
2 Pembekalan dan Refreshment Program untuk LPPI Publik 16 - 17 Mei 2023 1 Mr. Chairudin
Komisaris Level 6 Manajemen Risiko
Empowerment and Refreshment Program for Risk
Management Level 6 Commissioner
3 Refreshment Program of Risk Management LPPI Inhouse 29 Agustus 2023 5 Mrs. Sondang
Certification with theme of Global ESG & Bank Martha Samosir
Sustainability
4 Refreshment Program of Risk Management LPPI In House 12 September 2023 20 Murniasih
Certification with theme Treasury, Risk
Management, Compliance, SKAI, dan Three Line
of Defance
PT BANK OKE INDONESIA Tbk 201
Page 204
Tata Kelola Perusahaan
Corporate Governance
KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE
Pembentukan Komite Pemantau Risiko dilakukan oleh The formation of the Risk Monitoring Committee is carried
Dewan Komisaris dengan memperhatikan peraturan out by the Board of Commissioners by taking into account
perundang-undangan yang berlaku, yaitu Undang-undang the applicable laws and regulations, namely Law Number
Nomor 40 tahun 2007 tentang Perseroan Terbatas dan 40 of 2007 concerning Limited Liability Companies and
Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 Financial Services Authority Regulation Number 17 of
tentang penerapan tata Kelola bagi Bank Umum guna 2023 concerning the implementation of Governance for
mendukung pelaksanaan tugas dan tanggung jawab yang Commercial Banks to support the implementation of duties
berhubungan dengan pengawasan manajemen risiko, and responsibilities related to risk management supervision,
berdirinya budaya manajemen risiko dan teridentifikasinya the establishment of a risk management culture, and the
risiko-risiko signifikan yang memerlukan perhatian Dewan identification of significant risks that require the attention
Komisaris. of the Board of Commissioners.
Komite Pemantau Risiko bertugas membantu Dewan Komisaris
melaksanakan tugas dan tanggung jawab yang berhubungan
dengan pengawasan manajemen risiko, berdirinya budaya
manajemen risiko dan teridentifikasinya risiko-risiko signifikan.
Komite Pemantau Risiko didukung 2 orang Komisaris Independen
dan 2 anggota Independen yang senantiasa mengikuti program
pengembangan kompetensi yang relevan di bidangnya. Untuk
menjalankan tugasnya di tahun 2023, Komite Pemantau Risiko
menyelenggarakan 6 kali rapat internal.
The Risk Monitoring Committee is tasked with assisting the Board of Commissioners in
carrying out its duties and responsibilities related to risk management oversight, the
establishment of a risk management culture and the identification of significant risks.
The Risk Monitoring Committee is supported by 2 Independent Commissioners and 2
Independent members who consistently participate in relevant competency development
programs in their fields. To carry out its duties in 2023, the Risk Monitoring Committee held
6 internal meetings.
DASAR HUKUM LEGAL BASIS
1. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 1. Financial Services Authority Regulation Number 18/
tentang penerapan tata Kelola bagi Bank Umum. POJK.03/2016 concerning the implementation of risk
management for commercial banks.
2. Peraturan Otoritas Jasa Keuangan Nomor 18/ 2. Financial Services Authority Regulation Number 38/
POJK.03/2016 tentang penerapan Manajemen Risiko POJK.03/2016 concerning the implementation of Risk
bagi Bank Umum. Management and Use of Information Technology by
Commercial Banks.
3. Peraturan Otoritas Jasa Keuangan Nomor 38/ 3. Financial Services Authority Regulation Number 17 of
POJK.03/2016 tentang penerapan Manajemen Risiko 2023 concerning the implementation of Governance for
dan Penggunaan Teknologi Informasi oleh Bank Umum. Commercial Banks.
PIAGAM KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE CHARTER
Untuk saat ini Bank hanya memiliki kebijakan Komite Currently, the Bank only has a Risk Monitoring Committee
Pemantau Risiko. policy.
202 Laporan Tahunan 2023 Annual Report
Page 205
PERIODE JABATAN ANGGOTA KOMITE RISK MONITORING COMMITTEE MEMBERS’
PEMANTAU RISIKO TERMS OF SERVICE
Masa tugas anggota Komite Pemantau Risiko tidak lebih The term of office of members of the Risk Monitoring
lama dari masa jabatan Dewan Komisaris dan dipilih kembali Committee is no longer than the term of office of the Board
hanya untuk satu periode berikutnya. Periode jabatan of Commissioners, and they are re-elected only for one more
Komite Pemantau Risiko masih memenuhi ketentuan term. The term of office of the Risk Monitoring Committee
Peraturan Otoritas Jasa Keuangan Nomor 33/POJK.04/2014. remains in compliance with the provisions of Financial
Services Authority Regulation Number 33/POJK.04/2014.
KOMPOSISI ANGGOTA KOMITE PEMANTAU COMPOSITION OF RISK MONITORING
RISIKO COMMITTEE MEMBERS
Keanggotaan Komite Pemantau Risiko sebanyak 4 (empat) The membership of the Risk Monitoring Committee is 4
orang yang terdiri dari seorang Komisaris Independen (four) people, consisting of an Independent Commissioner
merangkap Ketua Komite Pemantau Risiko dan 3 (tiga) who is also the Chairman of the Risk Monitoring Committee
orang anggota yang terdiri dari 1 (satu) orang Komisaris and 3 (three) members consisting of 1 (one) Independent
Independen dan 2 (dua) orang Pihak Independen yang Commissioner and 2 (two) Independent Parties who have
memiliki keahlian di bidang manajemen risiko dan keuangan. expertise in the field of risk management and finance.
Seluruh anggota Komite Pemantau Risiko tidak ada yang All members of the Risk Monitoring Committee do not
memiliki hubungan keuangan, kepengurusan, kepemilikan have financial, management, share ownership, and/or
saham dan/atau hubungan keluarga dengan Dewan family relationships with the Board of Commissioners, the
Komisaris, Direksi dan/atau Pemegang Saham Pengendali Board of Directors, and/or Controlling Shareholders or
atau hubungan dengan Bank yang dapat mempengaruhi relationships with the Bank that could affect their ability to
kemampuannya untuk bertindak independen. act independently.
Susunan Anggota Komite Pemantau Risiko per 31 Desember The composition of the Risk Monitoring Committee
2023 adalah sebagai berikut: members as of December 31, 2023 is as follows:
Nama Jabatan Dasar Pengangkatan Terakhir Keterangan
Name Position Basis of Last Appointment Description
Sondang Martha Ketua Komite Pemantau Risiko Keputusan Direksi Nomor 379/KEP/DIR/BOI/ Komisaris Independen
Samosir Chairman of the Risk Monitoring Committee VII/2023 Independent Commissioner
Board of Directors Decree Nomor 379/KEP/DIR/
BOI/VII/2023
Chairudin * Anggota Komite Pemantau Risiko Keputusan Direksi Nomor 379/KEP/DIR/BOI/ Komisaris Independen
Member of the Risk Monitoring Committee VII/2023 Independent Commissioner
Board of Directors Decree Nomor 379/KEP/DIR/
BOI/VII/2023
Joyo ** Anggota Komite Pemantau Risiko Keputusan Direksi Nomor 379/KEP/DIR/BOI/ Pihak Independen
Member of the Risk Monitoring Committee VII/2023 Independent Party
Board of Directors Decree Nomor 379/KEP/DIR/
BOI/VII/2023
Heru Subroto Anggota Komite Pemantau Risiko Keputusan Direksi Nomor 379/KEP/DIR/BOI/ Pihak Independen
Member of the Risk Monitoring Committee VII/2023 Independent Party
Board of Directors Decree Nomor 379/KEP/DIR/
BOI/VII/2023
* Efektif menjadi anggota komite pemantau risiko tanggal 1 September 2023 | Effective as a risk monitoring committee member on September 1, 2023
** Efektif menjadi anggota komite pemantau risiko tanggal 14 November 2023 | Effective as a risk monitoring committee member on November 14, 2023
PROFIL KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE PROFILE
• Sondang Martha Samosir - Ketua Komite Pemantau • Sondang Martha Samosir - Chairman of the Risk
Risiko Monitoring Committee
Profil dapat dilihat pada bagian Profil Dewan Komisaris The profile can be seen in the Board of Commissioners
dalam Laporan Tahunan ini. Profile section of this Annual Report.
• Chairudin – Anggota Komite Pemantau Risiko • Chairudin – Member of the Risk Monitoring Committee
Profil dapat dilihat pada bagian Profil Dewan Komisaris The profile can be seen in the Board of Commissioners
dalam Laporan Tahunan ini. Profile section of this Annual Report.
PT BANK OKE INDONESIA Tbk 203
Page 206
Tata Kelola Perusahaan
Corporate Governance
• Joyo – Anggota Komite Pemantau Risiko • Joyo – Member of the Risk Monitoring Committee
Profil dapat dilihat pada bagian Profil Komite Audit The profile can be seen in the Audit Committee Profile
dalam Laporan Tahunan ini. section of this Annual Report.
• Heru Subroto - Anggota Komite Pemantau Risiko • Heru Subroto - Member of the Risk Monitoring
Committee
Profil dapat dilihat pada bagian Profil Komite Audit The profile can be seen in the Audit Committee Profile
dalam Laporan Tahunan ini. section of this Annual Report.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE RISK
PEMANTAU RISIKO MONITORING COMMITTEE
1. Memberikan rekomendasi kepada Dewan Komisaris 1. Provide recommendations to the Board of
terkait hasil evaluasi kebijakan dan pelaksanaan Commissioners regarding the results of policy evaluation
manajemen risiko; and the implementation of risk management;
2. Memberikan rekomendasi kepada Dewan Komisaris 2. Provide recommendations to the Board of Commissioners
terkait hasil pantauan dan evaluasi pelaksanaan tugas regarding the results of monitoring and evaluation of the
Komite Manajemen Risiko dan Satuan Kerja Manajemen implementation of the duties of the Risk Management
Risiko. Committee and the Risk Management Work Unit.
INDEPENDENSI KOMITE PEMANTAU RISIKO INDEPENDENCE OF THE RISK MONITORING
COMMITTEE
Dalam menjalankan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Risk
Pemantau Risiko bertindak secara independen, serta tidak Monitoring Committee acts independently and does not
menerima/melakukan intervensi dari/kepada pihak lainnya. accept or intervene from or to other parties. Members of
Anggota Komite Pemantau Risiko yang berasal dari luar the Risk Monitoring Committee who come from outside
bank tidak boleh memiliki kepentingan serta keterkaitan the Bank must not have personal interests or relationships
yang bersifat pribadi yang berpotensi menimbulkan that could potentially give rise to a conflict of interest with
benturan kepentingan (conflict of interest) dengan Bank. the Bank. The following aspects of membership have been
Aspek-aspek keanggotaan telah terpenuhi sebagai berikut: fulfilled:
Sondang
Aspek Independensi Heru
Martha Chairudin* Joyo**
Independence Aspects Subroto
Samosir
Tidak memiliki hubungan keuangan dengan sesama anggota Komite Audit, Komite √ √ √ √
Lainnya, Dewan Komisaris, Direksi dan Pemegang Saham Pengendali
Does not have financial relationship with fellow members of the Audit Committee,
Other Committees, Board of Commissioners, Directors and Controlling Shareholders
Tidak memiliki hubungan kepengurusan di Perusahaan, anak perusahaan, maupun √ √ √ √
perusahaan afiliasi
Does not have management relationship with the Company, subsidiaries or
affiliated companies
Tidak memiliki hubungan kepemilikan saham di Perusahaan √ √ √ √
Does not have share ownership relationship in the Company
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau √ √ √ √
sesama anggota Komite Pemantau Risiko
Does not have family relationship with the Board of Commissioners, the Board of
Directors and/or fellow members of the Risk Monitoring Committee
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah √ √ √ √
Does not serve as administrators of political parties, officials, or government
* Efektif menjadi anggota komite pemantau risiko tanggal 1 September 2023 | Effective as a risk monitoring committee member on September 1, 2023
** Efektif menjadi anggota komite tanggal 14 November 2023 | Effective as a risk monitoring committee member on November 14, 2023
RAPAT KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE MEETING
Rapat Komite Pemantau Risiko diadakan minimal satu kali Risk Monitoring Committee meetings are held at least once
dalam 3 bulan. Apabila diperlukan, rapat Komite Pemantau every 3 months. If necessary, Risk Monitoring Committee
Risiko dapat dihadiri oleh anggota Dewan Komisaris atau meetings can be attended by members of the Board of
anggota Direksi Bank. Commissioners or members of the Board of Directors of the
Bank
204 Laporan Tahunan 2023 Annual Report
Page 207
Sepanjang tahun 2023, Komite Pemantau Risiko OK BANK Throughout 2023, the OK BANK Risk Monitoring Committee
telah menyelenggarakan rapat sebanyak 6 (enam) kali has held 6 (six) meetings, with the frequency of member
dengan frekuensi kehadiran anggota sebagai berikut: attendance as follows:
Jumlah Rapat
Nama Jabatan Kehadiran Persentase
Number of
Name Position Attendance Percentage
Meetings
Sondang Martha Ketua Komite Pemantau Risiko 6 6 100%
Samosir Chairman of the Risk Monitoring Committee
Chairudin* Anggota Komite Pemantau Risiko 5 5 100%
Member of the Risk Monitoring Committee
Joyo** Anggota Komite Pemantau Risiko 5 5 100%
Member of the Risk Monitoring Committee
Heru Subroto Anggota Komite Pemantau Risiko 6 6 100%
Member of the Risk Monitoring Committee
Idham Aziz*** Anggota Komite Pemantau Risiko 1 1 100%
Member of the Risk Monitoring Committee
Yahya*** Anggota Komite Pemantau Risiko 1 1 100%
Member of the Risk Monitoring Committee
* Efektif menjadi anggota komite pemantau risiko tanggal 1 September 2023 | Effective as a risk monitoring committee member on September 1, 2023
** Efektif menjadi anggota komite pemantau risiko tanggal 14 November 2023 | Effective as a risk monitoring committee member on November 14, 2023
*** Efektif berhenti dari keanggotaan komite pemantau risiko tanggal 11 Mei 2023 | Effective resigned from risk monitoring committee membership
on May 11, 2023
LAPORAN PELAKSANAAN TUGAS KOMITE REPORT ON THE IMPLEMENTATION OF THE RISK
PEMANTAU RISIKO MONITORING COMMITTEE'S DUTIES
Dalam tahun 2023, Komite Pemantau Risiko telah In 2023, the Risk Monitoring Committee carried out the
melaksanakan kegiatan sebagai berikut: following activities:
Memberikan rekomendasi kepada Dewan Komisaris: Provide recommendations to the Board of Commissioners:
1. Komite Pemantau Risiko mengevaluasi kebijakan 1. The Risk Monitoring Committee evaluates the risk
dan pelaksanaan manajemen risiko tugas Komite management policies and implementation of the
Manajemen Risiko dan Satuan Kerja Manajemen Risiko duties of the Risk Management Committee and the Risk
(SKMR). Management Work Unit (SKMR).
2. Komite Pemantau Risiko memantau dan mengevaluasi 2. The Risk Monitoring Committee monitors and
pelaksanaan tugas Komite Manajemen Risiko dan evaluates the implementation of the duties of the Risk
Satuan Kerja Manajemen Risiko (SKMR). Management Committee and the Risk Management
Work Unit (SKMR).
PROGRAM PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT PROGRAM
Sepanjang tahun 2023, anggota Komite Pemantau Risiko Throughout 2023, members of the Risk Monitoring
mengikuti program-program pengembangan kompetensi, Committee participated in competency development
sebagai berikut: programs, as follows:
Tabel Pengembangan Kompetensi Komite Pemantau Risiko
Risk Monitoring Committee Competency Development Table
Metode Jumlah
Pelatihan Pelatihan Peserta Nama
No Vendor Period
Training Training Total Name
Method Participants
1 Perhitungan Aset Tertimbang Menurut Risiko Untuk PT SEDYA Webinar 14 April 2023 1 Jefitra
Risiko Pasar Bagi Bank Umum ABIWARA
Calculation of Risk Weighted Assets for Market Risk INGGIL (SAI)
for Commercial Banks
2 Pembekalan dan Refreshment Program untuk LPPI Publik 16 - 17 Mei 2023 1 Chairudin
Komisaris Level 6 Manajemen Risiko
Empowerment and Refreshment Program for Risk
Management Level 6 Commissioners
PT BANK OKE INDONESIA Tbk 205
Page 208
Tata Kelola Perusahaan
Corporate Governance
Tabel Pengembangan Kompetensi Komite Pemantau Risiko
Risk Monitoring Committee Competency Development Table
Metode Jumlah
Pelatihan Pelatihan Peserta Nama
No Vendor Period
Training Training Total Name
Method Participants
3 Refreshment Program of Risk Management LPPI Inhouse 29 Agustus 2023 5 Sondang
Certification with theme of Global ESG & Bank Martha
Sustainability Samosir
KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
Komite Remunerasi dan Nominasi merupakan Komite di The Remuneration and Nomination Committee is a
tingkat Dewan Komisaris yang dibentuk untuk mengkaji Committee at the Board of Commissioners level that was
dan memberikan rekomendasi kepada Dewan Komisaris formed to review and provide recommendations to the
terkait dengan kebijakan remunerasi di OK BANK dan Board of Commissioners regarding remuneration policies
pencalonan nominasi anggota Dewan Komisaris maupun at OK BANK and nominating prospective members of the
Direksi OK BANK sesuai dengan Anggaran Dasar, peraturan Board of Commissioners and the Board of Directors of
Bank Indonesia, peraturan Otoritas Jasa Keuangan dan OK BANK in accordance with the Articles of Association,
peraturan perundang-undangan yang berlaku. Bank Indonesia regulations, Financial Services Authority
regulations, and applicable laws and regulations.
Komite Remunerasi dan Nominasi menjalankan tugas nya
dalam mengkaji dan memberikan rekomendasi kepada Dewan
Komisaris terkait dengan kebijakan remunerasi di OK BANK
dan pencalonan nominasi anggota Dewan Komisaris maupun
Direksi dengan mengacu pada Piagam Komite Remunerasi
dan Nominasi. Untuk menjalankan tugasnya, pada tahun 2023
Komite menyelenggarakan 8 (delapan) kali rapat.
The Remuneration and Nomination Committee carries out its duties in reviewing and
providing recommendations to the Board of Commissioners related to the remuneration
policy in OK BANK and the nomination of nominees for members of the Board of
Commissioners and Board of Directors with reference to the Remuneration and
Nomination Committee Charter. To carry out its duties, in 2023 the Committee held 8
(eight) meetings.
Dasar Hukum Legal Basis
1. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 1. Financial Services Authority Number 17 of 2023
tentang Penerapan Tata Kelola bagi Bank Umum. concerning Implementation of Governance for
Commercial Banks.
2. Peraturan Otoritas Jasa Keuangan Nomor 45/ 2. Financial Services Authority Number 45/POJK.03/2015
POJK.03/2015 tentang Penerapan Tata Kelola dalam concerning Implementation of Governance in Providing
Pemberian Remunerasi bagi Bank Umum. Remuneration for Commercial Banks.
3. Peraturan Otoritas Jasa Keuangan Nomor 34/ 3. Financial Services Authority Number 34/POJK.04/2014
POJK.04/2014 tentang Komite Nominasi dan Remunerasi concerning Nomination and Remuneration Committees
Emiten atau Perusahaan Publik. for Issuers or Public Companies.
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PIAGAM KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
CHARTER
Penerapan Piagam Komite Remunerasi dan Nominasi The implementation of the Remuneration and Nomination
mengacu kepada Kebijakan Komite Remunerasi dan Committee Charter refers to the Remuneration and
Nominasi PT Bank Oke Indonesia, Tbk. Nomor 004/POL/ Nomination Committee Policy of PT Bank Oke Indonesia,
HRD/V/2018. Tbk. Number 004/POL/HRD/V/2018.
PERIODE JABATAN ANGGOTA KOMITE TERM OF SERVICE FOR MEMBERS OF THE
REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
Masa jabatan anggota Komite Remunerasi dan Nominasi The term of office of members of the Remuneration and
tidak lebih lama dari masa jabatan Dewan Komisaris Nomination Committee is no longer than the term of office
sebagaimana diatur dalam Anggaran Dasar. Periode of the Board of Commissioners as regulated in the Articles
jabatan Komite Remunerasi dan Nominasi sudah memenuhi of Association. The term of office of the Remuneration and
ketentuan Peraturan Otoritas Jasa Keuangan Nomor 34/ Nomination Committee complies with the provisions of
POJK.04/2014. Financial Services Authority Number 34/POJK.04/2014.
KOMPOSISI ANGGOTA KOMITE REMUNERASI COMPOSITION OF MEMBERS OF THE
DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
Keanggotaan Komite Remunerasi dan Nominasi telah The membership of the Remuneration and Nomination
memenuhi ketentuan OJK yaitu 3 (tiga) orang, yang terdiri Committee meets OJK regulations, namely 3 (three) people,
dari seorang Komisaris Independen merangkap sebagai consisting of an Independent Commissioner who also
Ketua Komite Remunerasi dan Nominasi, Seorang Komisaris serves as Chairman of the Remuneration and Nomination
dan seorang Pejabat Eksekutif yang membawahi Divisi Committee, a Commissioner and an Executive Officer in
Sumber Daya Manusia. charge of the Human Resources Division.
Independensi Komite Remunerasi dan Nominasi In providing opinions/recommendations to the Board
PT Bank Oke Indonesia, Tbk. dalam memberikan pendapat/ of Commissioners, the Remuneration and Nomination
rekomendasi kepada Komisaris, Komite tidak dipengaruhi Committee of PT Bank Oke Indonesia, Tbk. is independent
pihak lain yang mempunyai kepentingan karena Ketua and is not influenced by other parties with interests because
Komite dan Anggota Komite merupakan pihak independen the Committee Chairman and Committee Members are
yang tidak ada hubungan keuangan, hubungan keluarga independent parties with no financial or family ties to other
dengan anggota Dewan Komisaris lainnya dan Direksi. members of the Board of Commissioners or the Board of
Directors.
Susunan Keanggotaan Komite Remunerasi dan Nominasi The composition of the Remuneration and Nomination
per tanggal 31 Desember 2023 sebagai berikut: Committee membership as of December 31, 2023 is as
follows:
Nama Jabatan Dasar Pengangkatan Terakhir Keterangan
Name Position Basis of Last Appointment Description
Sondang Martha Ketua Komite Remunerasi dan Nominasi Keputusan Direksi Number 379/KEP/DIR/BOI/ Komisaris Independen
Samosir* Chairman of the Remuneration and VII/2023 Independent Commissioner
Nomination Committee Board of Directors Decree Number 379/KEP/DIR/
BOI/VII/2023
Lim Cheol Jin Anggota Komite Remunerasi dan Nominasi Keputusan Direksi Number 379/KEP/DIR/BOI/ Komisaris Utama
Member of the Remuneration and VII/2023 President Commissioner
Nomination Committee Board of Directors Decree Number 379/KEP/DIR/
BOI/VII/2023
Kepala Divisi HR Anggota Komite Remunerasi dan Nominasi Keputusan Direksi Number 379/KEP/DIR/BOI/ Kepala Divisi HR
Member of the Remuneration and VII/2023 Head of HR Division
Nomination Committee Board of Directors Decree Number 379/KEP/DIR/
BOI/VII/2023
* Efektif menjadi ketua komite remunerasi dan nominasi tanggal 24 Juli 2023 | Effective as chairman of the remuneration and nomination committee
on July 24, 2023
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Tata Kelola Perusahaan
Corporate Governance
Profil Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Profile
• Sondang Martha Samosir • Sondang Martha Samosir
Profil dapat dilihat pada bagian Profil Dewan Komisaris The profile can be seen in the Board of Commissioners
dalam Laporan Tahunan ini. Profile section of this Annual Report.
• Lim Cheol Jin • Lim Cheol Jin
Profil dapat dilihat pada bagian Profil Dewan Komisaris The profile can be seen in the Board of Commissioners
dalam Laporan Tahunan ini. Profile section of this Annual Report.
• Kepala Divisi HR • Head of HR Division
Pada tahun 2023, Kepala Divisi HR dijabat oleh Novita In 2023, the Head of the HR Division was Novita Dwi
Dwi Kusumawardhani, yang diangkat berdasarkan Surat Kusumawardhani, who was appointed based on the
Keputusan Direksi. Board of Directors’ Decree.
Sebelumnya Novita Dwi Kusumawardhani merupakan Previously, Novita Dwi Kusumawardhani was OK
Recruitment, People Development and Service Quality BANK’s Head of Recruitment, People Development,
Head (AVP) OK BANK sejak tahun 2019 dan berkarir di and Service Quality (AVP) since 2019 and had a
Bank Ganesha sebagai Service Quality and Contact career at Bank Ganesha as Head of Service Quality
Center & People Development Head (AVP) sejak Maret and Contact Center & People Development (AVP)
2017 sampai dengan Oktober 2019 serta Hana Bank from March 2017 to October 2019 and Hana Bank
sebagai Service Quality & Contact Center Unit Head as Head of Service Quality & Contact Center Unit
(Senior Manager) sejak Agustus 2013 sampai dengan (Senior Manager) from August 2013 to February 2017.
Februari 2017.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE
REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
1. Komite Remunerasi telah mengevaluasi kebijakan 1. The Remuneration Committee has evaluated
remunerasi bagi: remuneration policies for:
a. Dewan Komisaris dan Direksi untuk disampaikan a. Board of Commissioners and Board of Directors to
kepada RUPS; be submitted to the GMS;
b. Pejabat Eksekutif dan pegawai untuk disampaikan b. Executive Officers and employees to be submitted
oleh Dewan Komisaris kepada Direksi. by the Board of Commissioners to the Board of
Directors.
2. Menyusun kebijakan dan sistem serta prosedur 2. Develop policies, systems, and procedures for
pemilihan dan/atau penggantian anggota Dewan selecting and/or replacing members of the Board
Komisaris dan Direksi untuk disampaikan kepada RUPS; of Commissioners and the Board of Directors to be
submitted to the GMS;
3. Memberikan rekomendasi nama-nama calon anggota 3. Provide recommendations for the names of prospective
Dewan Komisaris dan/atau Direksi yang sesuai dengan members of the Board of Commissioners and/or the
ukuran dan kompleksitas usaha Perseroan untuk Board of Directors that are appropriate to the size and
disampaikan kepada RUPS; complexity of the Company’s business to be submitted
to the GMS;
4. Memberikan rekomendasi Pihak Independen yang 4. Provide recommendations for Independent Parties who
dapat menjadi anggota Komite kepada Dewan are eligible to become Committee members for the
Komisaris. Board of Commissioners.
INDEPENDENSI KOMITE REMUNERASI DAN INDEPENDENCE OF THE REMUNERATION AND
NOMINASI NOMINATION COMMITTEE
Dalam menjalankan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Risk
Pemantau Risiko bertindak secara independen, serta tidak Monitoring Committee acts independently and does not
menerima/melakukan intervensi dari/kepada pihak lainnya. accept or intervene from or to other parties. Members of
Anggota Komite Pemantau Risiko yang berasal dari luar the Risk Monitoring Committee who come from outside
bank tidak boleh memiliki kepentingan serta keterkaitan the Bank must not have personal interests or relationships
yang bersifat pribadi yang berpotensi menimbulkan that could potentially give rise to a conflict of interest with
benturan kepentingan (conflict of interest) dengan Bank. the Bank.
208 Laporan Tahunan 2023 Annual Report
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Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Meeting
Rapat Komite Remunerasi dan Nominasi diadakan minimal Remuneration and Nomination Committee meetings
satu kali dalam 3 bulan. Apabila diperlukan, rapat Komite are held at least once every 3 months. If necessary,
Remunerasi dan Nominasi dapat dihadiri oleh anggota Remuneration and Nomination Committee meetings can
Dewan Komisaris atau anggota Direksi Bank. be attended by members of the Board of Commissioners or
members of the Board of Directors of the Bank.
Sepanjang tahun 2023, Komite Remunerasi dan Nominasi Throughout 2023, the OK BANK Remuneration and
OK BANK telah menyelenggarakan rapat 8 (delapan) kali Nomination Committee has held 8 (eight) meetings, with
dengan frekuensi kehadiran anggota sebagai berikut: the frequency of member attendance as follows:
Jumlah Rapat
Nama Jabatan Kehadiran Persentase
Number of
Name Position Attendance Percentage
Meeting
Idham Aziz** Ketua Komite Remunerasi dan Nominasi 3 3 100%
Chairman of the Remuneration and Nomination Committee
Sondang Martha Ketua Komite Remunerasi dan Nominasi 3 3 100%
Samosir* Chairman of the Remuneration and Nomination Committee
Lim Cheol Jin Anggota Komite Remunerasi dan Nominasi 8 8 100%
Member of the Remuneration and Nomination Committee
Novita Dwi Anggota Komite Remunerasi dan Nominasi 8 8 100%
Kusumawardhani Member of the Remuneration and Nomination Committee
* Efektif menjadi ketua komite remunerasi dan nominasi tanggal 1 September 2023 | Effective as chairman remuneration and nomination committee
on September 1 2023
** Berhenti dari ketua komite remunerasi dan nominasi tanggal 11 Mei 2023 | Resigned as remuneration and nomination committee on May 11, 2023
LAPORAN PELAKSANAAN TUGAS KOMITE REPORT ON THE IMPLEMENTATION OF DUTIES
REMUNERASI DAN NOMINASI OF THE REMUNERATION AND NOMINATION
COMMITTEE
Dalam tahun 2023, Komite Remunerasi dan Nominasi telah In 2023, the Remuneration and Nomination Committee
melaksanakan kegiatan sebagai berikut: carried out the following activities:
1. 31 Januari 2023; merekomendasikan membayar bonus 1. January 31, 2023; recommending the 2022 performance
kinerja tahun 2022. bonuses payment
2. 22 Februari 2023; merekomendasikan penunjukan 2. February 22, 2023; recommending the appointment of a
Direktur Credit & IT. Credit & IT Director.
3. 3 Maret 2023; merekomendasikan penunjukan Direktur 3. March 3, 2023; recommending the appointment of a
Bisnis. Business Director.
4. 2 Mei 2023; merekomendasikan penunjukkan Komisaris 4. May 2, 2023; recommending the appointment of an
Independen dan pengakhiran masa kerja Komisaris Independent Commissioner and the termination of the
Independen sebelumnya. previous Independent Commissioner’s term of service.
5. 22 Mei 2023; merekomendasikan penunjukkan komite 5. May 22, 2023; recommending the appointment of an
audit dan komite pemantauan risiko PT Bank Oke Audit Committee and Risk Monitoring Committee for
Indonesia, Tbk. PT BANK OKE Indonesia, Tbk.
6. 20 Oktober 2023; merekomendasikan penunjukkan 6. October 20, 2023; recommending the appointment of
tenaga kerja asing sebagai Kepala Divisi Retail Credit foreign workers as Head of the Retail Credit and Digital
and Digital Strategy. Strategy Division.
7. 23 Oktober 2023; merekomendasikan penunjukan 7. October 23, 2023; recommending the appointment of
tenaga kerja asing sebagai Kepala Divisi Loan Asset foreign workers as Head of the Loan Asset Management
Management. Division.
8. 11 Desember 2023; merekomendasikan pembayaran TAT 8. December 11, 2023; recommending the 2023 TAT
tahun 2023. payments.
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PROGRAM PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT PROGRAM
Sepanjang tahun 2023, anggota Komite Nominasi dan Throughout 2023, members of the Nomination and
Remunerasi mengikuti program-program pengembangan Remuneration Committee participated in competency
kompetensi, sebagai berikut: development programs, as follows:
Program Pengembangan Kompetensi Competency Development Program
Training Total
No Training Vendor Period Name
Method Participants
1 English Course with Coversation method LIA Publik 27 Maret 2023 1 Novita Dwi
Public March 27, 2023 Kusumawardhani
2 Tata Cara Pembuatan, Perundingan PKB Bagi Serikat Pusat Studi Webinar 12 - 13 April 2023 1 Novita Dwi
Pekerja/Serikat Buruh dan Management Untuk Manajemen April 12-13, 2023 Kusumawardhani
Meningkatkan Produktivitas Kerja di Perusahaan Indonesia
Serta Dinamika Penetapan Upah dan Optimalisasi (PUSMI)
Jaminan Sosial Ketenagakerjaan Indonesian
Procedures for Preparing, Negotiating PKB for Center for
Workers/Labor Unions and Management to Increase Management
Work Productivity in the Company as well as the Studies
Dynamics of Wage Determination and Optimizing (PUSMI)
Employment Social Security
3 Refreshment Program of Risk Management LPPI Inhouse 29 Agustus 2023 5 Mr. Lim Cheol Jin
Certification with theme of Global ESG & Bank August 29, 2023
Sustainability
4 Refreshment Program of Risk Management LPPI Inhouse 29 Agustus 2023 5 Mrs. Sondang
Certification with theme of Global ESG & Bank August 29, 2023 Martha Samosir
Sustainability
5 Refreshment Program of Risk Management Certif LPPI In House 12 Sep 23 20 Novita Dwi
with theme Treasury, Risk Management, Compliance, Sep 12, 2023 Kusumawardhani
SKAI, & Three Line of Defance
6 Wokrshop ISO27001 Skypro In House 26 Sep 23 19 Novita Dwi
Sep 26, 2023 Kusumawardhani
7 Leadership Training Program RTI In House 20 Okt 23 40 Novita Dwi
Oct 20, 2023 Kusumawardhani
8 Undangan kegiatan sosialisasi struktur data dan OJK Webinar 03 Nov 23 5 Novita Dwi
enhancement APOLO modul RBB Nov 3, 2023 Kusumawardhani
Invitation for socialization activities on APOLO RBB
module data structures and enhancements
9 Mengenal Lebih Jauh Pengaturan UU P2SK dalam OJK Webinar 23 November 24 Novita Dwi
rangka Penguatan Literasi, Inklusi, dan Pelindungan 2023 Kusumawardhani
Konsumen November 23,
Get to Know More About the Regulations on the 2023
P2SK Law in the Context of Strengthening Literacy,
Inclusion and Consumer Protection
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Komite di Bawah Direksi
Committees Under The Board Of Directors
Untuk mendukung efektivitas tugas dan tanggung The committees under the Board of Directors was formed to
jawabnya, Direksi membentuk Komite-komite di bawah support the effectiveness of its duties and responsibilities,
Direksi yaitu: namely:
• Komite Kredit; • Credit Committee;
• Komite Manajemen Risiko; • Risk Management Committee;
• Komite Steering IT; • IT Steering Committee;
• Assets and Liability Committee (ALCO); • Assets and Liabilities Committee (ALCO);
• Komite Kebijakan Perkreditan; • Credit Policy Committee;
• Komite Pengembangan Produk. • Product Development Committee.
KOMITE KREDIT CREDIT COMMITTEE
Sebagaimana Internal Memo tentang Susunan dan As per the Internal Memo regarding the Structure and
Ketentuan Komite Kredit yang telah diubah beberapa kali Conditions of the Credit Committee, which has been
terakhir dengan Nomor 001/IM-BOI/CR/I/2024 tanggal 03 amended several times, most recently with Number 001/IM-
Januari 2024 tentang Perubahan Susunan Anggota Komite BOI/CR/I/2024 dated January 3, 2024, concerning Changes
Kredit dan Format Minutes of Meeting (MoM) Rapat in the Composition of Credit Committee Members and the
Komite Kredit, di mana Komite Kredit (KK) adalah suatu Format of Minutes of Meeting (MoM) of Credit Committee
komite yang beranggotakan pemegang kewenangan kredit Meetings, the Credit Committee (KK) is a committee whose
untuk melakukan pemutusan kredit, dimana kewenangan members are holders of loan authority to carry out loan
memutus kredit tersebut melekat pada individu yang termination, where the authority to decide loan is vested in
memiliki kemampuan, kompetensi dan integritas. individuals who have the ability, competence, and integrity.
Rapat Komite Kredit (RKK) adalah rapat yang A Credit Committee Meeting (RKK) is a meeting held for the
diselenggarakan untuk tujuan memberikan keputusan atas purpose of providing a decision on a debtor/prospective
permohonan kredit debitur/calon debitur dimana dalam debtor’s loan application, which, in its provisions, has the
ketentuannya memiliki struktur sebagai berikut: following structure:
Ketua (merangkap anggota) Direktur Kredit dan IT (memiliki hak suara)
Chairman (concurrently member) IT and Credit Director (has voting right)
• Direktur Bisnis (memiliki hak suara);
• Kepala Divisi Credit Review (memiliki hak suara);
• Kepala Divisi Loan Asset Management (memiliki hak suara);
• Kepala Divisi Bisnis (memiliki hak suara untuk memberikan keputusan atas pengajuan dari divisi bisnis lain);
• Wakil Direktur Utama;
• Kepala Divisi Perencanaan Perusahaan;
• Kepala Divisi Risk Management;
• Kepala Divisi Kepatuhan (untuk eksposur kredit mulai dari Rp20.000.000.000,- (dua puluh miliar rupiah) atas
kredit baru, penambahan, perpanjangan maupun restrukturisasi)
Anggota
• Kepala Departemen Credit Review.
Members
• Business Director (has voting rights);
• Credot Review Division Head (has voting rights);
• Loan Asset Management Division Head (has voting rights);
• Business Division Head (has voting rights to make decisions on applications from other business divisions);
• Vice President Director;
• Corporate Planning Division Head;
• Risk Management Division Head;
• Compliance Division Head (for credit exposure starting from Rp20,000,000,00,- (twenty billion rupiah) for
new credit, additions, extensions or restructuring)
• Credit Review Department Head.
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Tugas Komite Kredit Duties of the Credit Committee
Komite Kredit pada prinsipnya memiliki tugas yang sama In principle, the Credit Committee has the same duties,
meliputi hal-hal sebagai berikut: including the following:
1. Memutuskan pemberian kredit untuk kredit baru dan 1. Decide on granting loans for new loans and additions
penambahan selain Back-to-Back; other than Back-to-Back;
2. Mengatur efisiensi, efektivitas, serta melakukan evaluasi 2. Regulate efficiency, effectiveness, and loan portfolio
terhadap pengelolaan portofolio kredit; management evaluation;
Tanggung Jawab dan Wewenang Komite Kredit Responsibilities and Authorities of the Credit Committee
1. Melakukan evaluasi dan memberikan persetujuan atas 1. Evaluate and provide approval for loan proposals and
proposal kredit dan memo yang diajukan sesuai dengan memos submitted in accordance with the established
batas kewenangan yang telah ditetapkan; authority limits;
2. Menetapkan akselerasi penurunan kolektibilitas 2. Determine the accelerated reduction in collectibility
pinjaman untuk kolektibilitas 1 atau 2 menjadi non- of loans for collectibility 1 or 2 to non-performing loans
performing loan dan/atau bersama Departemen Special and/or together with the Special Asset Management
Asset Management dan Divisi Bisnis untuk pinjaman Department and the Business Division for collectibility 1
kolektibilitas 1 atau 2; or 2 loans;
3. Melakukan evaluasi pengelolaan portofolio kredit 3. Evaluate the management of the loan portfolio
yang diberikan, termasuk kredit bermasalah, provided, including non-performing loans, reserves and
pencadangannya dan kecukupan agunan/jaminan bagi the adequacy of collateral/guarantee for each debtor,
setiap debitur, tetapi tidak terbatas terhadap hal-hal but not limited to the following matters:
berikut:
- Pertumbuhan dan kualitas portofolio kredit yang - Growth and quality of the loan portfolio provided
diberikan secara keseluruhan maupun per jenis overall and per credit type and target market;
kredit dan target market;
- Efektivitas pelaksanaan kewenangan pemutus - Effectiveness of the implementation of loan
kredit sesuai jabatan; decision authority according to position;
- Implementasi kebijakan dan prosedur pemberian - Implementation of policies and procedures for
dan pengendalian risiko kredit; granting and controlling loan risk;
- Kepatuhan pelaksanaan Peraturan Regulator - Compliance with the implementation of Regulatory
dan/atau Undang-Undang yang berlaku seperti Regulations and/or Applicable Laws, such as
peraturan Batas Maksimum Pemberian Kredit dan regulations on the Legal Lending Limit and Asset
Penilaian Kualitas Aset Bank Umum. Quality Assessment Commercial Bank.
Pelaksanaan Tugas Komite Kredit Implementation of Credit Committee Duties
Selama tahun 2023 tugas Komite Kredit dilaksanakan secara In 2023, the Credit Committee’s duties were carried out
efektif sesuai dengan wewenang yang dimiiki anggota effectively in accordance with the authority of the Credit
Komite Kredit. Committee members.
Rapat Komite Kredit (RKK) Credit Committee Meeting (RKK)
Rapat Komite Kredit (RKK) diadakan 2 (dua) kali dalam Credit Committee Meetings (RKK) are held 2 (two) times a
seminggu di hari Selasa dan kamis, atau waktu lain yang week on Tuesdays and Thursdays, or other times specified.
ditentukan.
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
Komite Manajemen Risiko adalah komite dalam struktur The Risk Management Committee is a committee in the
organisasi Manajemen Risiko Bank yang bersifat Bank’s non-structural Risk Management organizational
non-struktural, berkedudukan di Kantor Pusat yang structure, located at the Head Office, that formulates
merumuskan kebijakan, mengawasi pelaksanaan kebijakan, policies, supervises policy implementation, and
memantau saran-saran dan langkah perbaikan dan/atau monitors suggestions and steps for refinements and/or
penyempurnaan. Komite Manajemen Risiko pada bank improvements. The Risk Management Committee at the
telah dikinikan dan disetujui Direksi melalui Internal Memo Bank has been updated and approved by the Board of
Nomor 012/IM-BOI/RMA/VIII/2020 tanggal 24 Agustus 2020 Directors through Internal Memo Number 012/IM-BOI/
keanggotaan Komite Manajemen Risiko terdiri dari: RMA/VIII/2020 dated August 24, 2020. The membership of
the Risk Management Committee consists of:
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Anggota Tetap: Permanent Members:
• Direktur Utama; • President Director;
• Wakil Direktur Utama; • Vice President Director;
• Direktur Kepatuhan; • Compliance Director;
• Direktur Operasional; • Operations Director;
• Direktur Kredit; • Credit Director;
• Kepala Divisi Manajemen Risiko; • Head of Risk Management Division;
• Kepala Divisi SKAI; • Head of SKAI Division;
• Kepala Divisi Operasional; • Head of Operations Division;
• Kepala Divisi Kepatuhan. • Head of Compliance Division.
Anggota Undangan Invited Members
Kepala Divisi atau Pejabat pengganti terkait materi rapat Head of Division or substitute official regarding the meeting
yang dibahas. material discussed.
Tugas dan Tanggung Jawab Duties and Responsibilities
Melakukan evaluasi dan memberikan rekomendasi kepada Conduct evaluations and provide recommendations
Direktur Utama dan Direksi terkait Manajemen Risiko, to the President Director and Directors regarding Risk
meliputi: Management, including:
1. Penyusunan kebijakan Manajemen Risiko serta 1. Preparation of Risk Management policies and changes
perubahannya termasuk strategi Manajemen Risiko, thereto, including Risk Management strategies,
tingkat Risiko yang diambil (risk appetite) dan toleransi, level of Risk taken (risk appetite), Risk tolerance, Risk
toleransi Risiko (risk tolerance), kerangka Manajemen Management framework, and contingency plans to
Risiko serta rencana kontinjensi untuk mengantisipasi anticipate the occurrence of abnormal conditions;
terjadinya kondisi tidak normal;
2. Penyempurnaan proses Manajemen Risiko secara 2. Periodic or incidental improvement of the Risk
berkala maupun bersifat insidentil sebagai akibat dari Management process as a result of changes in the
suatu perubahan kondisi eksternal dan internal Bank Bank’s external and internal conditions that affect
yang mempengaruhi kecukupan permodalan, profil capital adequacy, the Bank’s Risk profile and the
Risiko Bank dan tidak efektifnya penerapan Manajemen ineffective implementation of Risk Management based
Risiko berdasarkan hasil evaluasi; on evaluation results;
3. Penetapan kebijakan dan atau keputusan bisnis yang 3. Determination of policies and/or business decisions
menyimpang dari prosedur normal, seperti pelampauan that deviate from normal procedures, such as exceeding
ekspansi usaha yang signifikan dibandingkan dengan significant business expansion compared to the Bank’s
rencana bisnis Bank yang telah ditetapkan sebelumnya previously determined business plan or taking positions
atau pengambilan posisi atau eksposur Risiko yang or risk exposures that exceed predetermined limits;
melampaui limit yang telah ditetapkan;
4. Pengembangan infrastruktur dan budaya manajemen 4. Development of risk management infrastructure and
risiko. culture.
Pelaksanaan Tugas Komite Manajemen Risiko Implementation of the Duties of the Risk Management
Committee
Komite Manajemen Risiko selama tahun 2023 melaksanakan In 2023, the Risk Management Committee held 12 (twelve)
rapat 12 (dua belas) kali dalam satu tahun yang dihadiri meetings a year, which were attended by committee
oleh anggota komite. Dalam pertemuan tersebut komite members. During the meeting, the committee decided
memutuskan beberapa hal di antaranya: several things, including:
1. Penyesuaian parameter Liquidity Contingency Funding 1. Adjustment of Liquidity Contingency Funding Plan
Plan Parameters
2. Peningkatan pemantauan proaktif dari kantor cabang 2. Increased proactive monitoring from branch offices of
terhadap rekening dormant dormant accounts
3. Tindak lanjut temuan OJK terkait monitoring mengenai 3. Follow up on OJK findings regarding monitoring of the
profil risiko debitur yang terdampak Covid-19. risk profile of debtors affected by Covid-19.
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Corporate Governance
4. Awareness terhadap tindak lanjuti hasil temuan SKAI 4. Awareness regarding the follow-up of SKAI (Internal
(Satuan Kerja Audit Internal) sesuai dengan target Audit Work Unit) findings in accordance with
yang telah ditentukan dan peningkatkan supervisory predetermined targets and increasing supervisory and
dan kontrol internal agar tidak terjadi temuan yang internal control so that repeated findings do not occur,
berulang, termasuk didalamnya kecukupan kebijakan including the adequacy of internal policies.
internal.
5. Komite Manajemen Risiko mengetahui dan menyetujui 5. The Risk Management Committee acknowledges and
hasil dari Profil Risiko Triwulan I/2023. approves the results of the Risk Profile for Quarter
I/2023.
6. Terkait Monitoring Loan Agency, Retail team telah 6. Regarding Loan Agency Monitoring, the Retail team
melakukan tindak lanjut seperti KTA speed (offline) has carried out follow-up actions such as stopping
telah dihentikan, lebih memfokuskan KTA General dan KTA speed (offline), focusing more on General KTA and
KTA Premium sesuai dengan pemeringkatan Pefindo Premium KTA in accordance with Pefindo’s ranking, and
dan melakukan pemantauan dalam 1 (satu) minggu monitoring once a week.
sekali.
7. Penyempurnaan strategi beserta tindakan perbaikan 7. Refinement of strategies along with corrective and
dan tindakan pencegahan yang telah dilakukan atas preventive actions that have been taken for risk issues
masalah risiko yang terjadi. that occur.
8. Target pemenuhan RPIM (Rasio Pembiayaan Inklusif 8. Target for fulfilling the RPIM (Macroprudential Inclusive
Makroprudensial) dengan melakukan koordinasi Financing Ratio) by coordinating with the Business
dengan pihak Tim Bisnis dengan memperhatikan Team and focusing on information regarding economic
informasi mengenai sektor-sektor ekonomi dan segmen sectors and loan segments that can increase the RPIM.
kredit yang dapat meningkatkan RPIM. Selanjutnya Subsequently, banks must pay attention to regulations
bank harus memperhatikan tentang peraturan perihal regarding RPIM sanctions.
sanksi RPIM.
9. Persetujuan hasil Perubahan parameter profil risiko 9. Approval of results Changes in inherent liquidity risk
inheren likuiditas. profile parameters.
10. Pentingnya Internal Kontrol untuk mengurangi kejadian 10. The importance of Internal Control to reduce
risiko operasional. operational risk events.
11. Komite Manajemen Risiko mengetahui dan menyetujui 11. The Risk Management Committee acknowledges and
hasil Laporan Profil Risiko Triwulan II/2023. approves the results of the II/2023 Quarterly Risk Profile
Report.
12. Komite Manajemen Risiko memutuskan untuk 12. The Risk Management Committee decided to change
mengubah limit dari segment Corporate (dari 30% the limits for the Corporate segment (from 30% to 35%)
menjadi 35%) dan segmen SME (dari 30% menjadi 20%). and the SME segment (from 30% to 20%).
13. Awareness bagi staf terhadap pola pikir pengendalian 13. Awareness for staff regarding the risk control mindset
risiko untuk mencegah risiko kecil menjadi besar dan to prevent small risks from becoming larger and having
berdampak pada reputasi bank kita dan perlunya an impact on our Bank’s reputation and the need for
diadakan pelatihan secara berkala untuk meningkatkan regular training to increase risk awareness.
kesadaran risiko.
14. Komite Manajemen Risiko mengetahui dan menyetujui 14. The Risk Management Committee acknowledges and
hasil Laporan Profil Risiko Triwulan III/2023. approves the results of the III/2023 Quarterly Risk
Profile Report.
15. Detail monitoring terhadap NPL pada Loan Agency 15. Detailed monitoring of NPLs at loan agencies, including
termasuk channel penyaluran kredit retail untuk rasio retail loan distribution channels for the largest ratios,
terbesar agar dilakukan tindak lanjut oleh Divisi Retail. allowing follow-up to be carried out by the Retail
Division.
16. Selanjutnya, Divisi Retail akan membuatkan tren NPL 16. Subsequently, the Retail Division will develop NPL
berdasarkan produk penyaluran segmen kredit retail. trends based on retail loan segment distribution
products.
17. Pada pembahasan tentang Loan Agency pada Segmen 17. In the discussion concerning Loan Agency in the Retail
Retail, agar menambahkan informasi terhadap NPL dan Segment, add information on NPL and Write-off Ratio.
Write-off Ratio.
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18. Kesadaran terhadap eskalasi setiap permasalahan atau 18. Awareness of escalating any important problems or
issue penting kepada atasan atau BOD. Setiap karyawan issues to superiors or BOD. Every OK BANK employee
OK BANK agar memperhatikan dan menjalankan Kode must pay attention to and implement the Code of
Etik dalam bekerja berdasarkan etika profesional Ethics in working based on professional ethics, which
yang merupakan sumber acuan perilaku yang benar is a source of reference for correct behavior and moral
dan penilaian moral untuk semua pegawai OK BANK assessment for all OK BANK Indonesia employees.
Indonesia.
19. Evaluasi terhadap NPL pada Divisi Retail dengan 19. Evaluation of NPL in the Retail Division by providing the
penyediaan data sebagai berikut: following data:
1. List data produk yang sudah dihentikan 1. List of product data whose marketing has been
pemasarannya discontinued
2. List data Loan Agency yang sudah dihentikan kerja 2. List of Loan Agency data whose collaboration has
samanya been terminated
20. Komite Manajemen Risiko mengetahui dan menyetujui 20. The Risk Management Committee acknowledges and
hasil dari Profil Risiko Triwulan IV/2023. approves the results of the IV/2023 Quarterly Risk
Profile report.
21. Pengupayaan penagihan kredit team Retail dengan 21. Efforts to collect loans from the Retail team by adding
melakukan penambahan vendor collection. vendor collections.
22. Awareness agar setiap anggota komite memastikan 22. Awareness so that each committee member ensures
akurasi data yang digunakan pada rapat dan berupaya the accuracy of the data used at meetings and strives
untuk menekan setiap permasalahan risiko yang timbul. to suppress any risk issues that arise.
Rapat Komite Manajemen Risiko Risk Management Committee Meeting
Rapat Komite Manajemen Risiko diselenggarakan Risk Management Committee meetings are held at least
setidaknya minimal 1 (satu) kali dalam 1 (satu) bulan, atau once a month, or at other times if necessary.
pada waktu lainnya apabila diperlukan.
KOMITE STEERING IT IT STEERING COMMITTEE
Untuk lebih mengoptimalkan pelaksanaan tugas Direksi To further optimize the implementation of the Board of
serta memberikan rekomendasi terkait dengan penggunaan Directors’ duties and provide recommendations related
Teknologi Informasi, maka telah dibentuk IT Steering to the use of Information Technology, an IT Steering
Committee berdasarkan Keputusan Direksi Nomor 404A/ Committee has been formed based on the Board of
KEP/DIR/BOI/VIII/2023 tanggal 01 Agustus 2023 dengan Directors’ Decree Number 404A/KEP/DIR/BOI/VIII/2023
keanggotaan sebagai berikut: dated August 1, 2023, with the following membership:
Ketua Direktur yang membawahi Satuan Kerja Teknologi Informasi (merangkap anggota)
Chairman Director in charge of the Information Technology Work Unit (concurrently member)
Sekretaris Kepala Divisi IT Operation
Secretary IT Operation Division Head
• Direktur Kepatuhan
• Kepala Divisi IT Operation
• Kepala Divisi IT Planning
Anggota
• Kepala Divisi Operation
Members
• Compliance Director
• IT Operation Division Head
• IT Planning Division Head
• Operations Division Head
Undangan Sesuai materi rapat
Invitation According to the meeting material
Tugas, Wewenang, dan Tanggung Jawab Duties, Authorities, and Responsibilities
Berdasarkan Kebijakan Komite Pengarah IT, tugas Based on the IT Steering Committee Policy, the duties and
wewenang dan tanggung jawab Komite Steering IT adalah responsibilities of the IT Steering Committee are as follows:
sebagai berikut:
1. Menetapkan rencana strategis teknologi informasi yang 1. Establish an information technology strategic plan that
sesuai dengan strategis kegiatan usaha Bank dengan is in accordance with the Bank’s strategic business
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memperhatikan faktor-faktor efisiensi dan efektivitas, activities by considering efficiency and effectiveness
serta hal-hal berikut: factors, as well as the following matters:
• Peta jalan (roadmap) untuk mencapai kebutuhan TI • Roadmap to achieve IT needs that support the
yang mendukung strategi bisnis yang tertera pada business strategy stated in the Bank’s vision and
visi dan misi Bank, di mana roadmap terdiri dari mission, where the roadmap consists of current
kondisi saat ini, kondisi yang ingin dicapai, serta conditions, conditions to be achieved, as well
langkah-langkah ke depan yang akan dilakukan as future steps that will be taken to achieve the
untuk mencapai sasaran tersebut. targets.
• Sumber daya yang dibutuhkan. • Resources required.
• Keuntungan/manfaat yang akan diperoleh saat • Profits/benefits that will be obtained when the plan
rencana diterapkan; dan is implemented; and
• Kendala yang mungkin timbul dalam penerapan • Obstacles that may arise in implementing the
rencana strategis Bank. Bank’s strategic plan.
2. Merumuskan kebijakan, standar dan prosedur Teknologi 2. Formulate Information Technology policies, standards,
Informasi; and procedures;
3. Memastikan kesesuaian pelaksanaan proyek-proyek TI 3. Ensure compliance with the implementation of
yang disetujui dengan rencana strategis TI. Komite juga approved IT projects with the IT strategic plan. The
menetapkan status prioritas proyek TI yang bersifat Committee also determines the priority status of IT
kritikal (berdampak signifikan terhadap kegiatan projects that are critical (have a significant impact
operasional Bank) misalnya: pergantian core banking, on the Bank’s operational activities), for example:
server production dan topologi jaringan; replacement of core banking, server production, and
network topology;
4. Memastikan kesesuaian pelaksanaan proyek-proyek TI 4. Ensure compliance with the implementation of IT
dengan rencana proyek yang disepakati dalam Service projects with the project plan agreed in the Service
Level Agreement (SLA); Level Agreement (SLA);
5. Memastikan kesesuaian TI dengan kebutuhan sistem 5. Ensure the suitability of IT with the needs of
informasi manajemen yang mendukung pengelolaan management information systems that support the
kegiatan usaha Bank; management of the Bank’s business activities;
6. Menetapkan langkah-langkah minimalisasi risiko atas 6. Determine risk minimization measures for the Bank’s
investasi Bank pada sektor TI dan bahwa investasi investments in the IT sector and ensure that these
tersebut memberikan kontribusi terhadap tercapainya investments contribute to achieving the Bank’s
tujuan bisnis Bank; business objectives;
7. Memantau kinerja TI dan upaya peningkatannya, 7. Monitor IT performance and efforts to improve it, for
misalnya dengan mendeteksi keuangan TI, keamanan example, by detecting IT finances and information
informasi, serta mengukur efektivitas dan efisiensi security and measuring the effectiveness and efficiency
penerapan kebijakan pengamanan TI; of IT security policy implementation;
8. Memutuskan penyelesaian berbagai masalah terkait 8. Decide on the resolution of various IT-related problems
TI, yang tidak dapat diselesaikan oleh satuan kerja that cannot be resolved by the user work unit and the
pengguna dan satuan kerja penyelenggara; organizer work unit;
9. Memastikan kecukupan dan alokasi sumber daya yang 9. Ensure the adequacy and allocation of the Bank’s
dimiliki Bank. Dalam hal sumber daya yang dimiliki resources. In the event that the resources owned are
tidak memadai dan Bank akan menggunakan jasa pihak inadequate and the Bank will use the services of other
lain dalam penyelenggaraan TI, Komite Pengarah TI parties in organizing IT, the IT Steering Committee must
harus memastikan Bank telah memiliki kebijakan dan ensure that the Bank has the necessary policies and
prosedur yang dibutuhkan; procedures;
10. Memberikan rekomendasi kepada Direksi paling sedikit 10. Provide recommendations to the Board of Directors
terkait dengan: related to at least:
• Rencana strategis TI yang sejalan dengan rencana • IT strategic plan that is in line with the Bank’s
strategis kegiatan usaha Bank; strategic plan for business activities;
• Perumusan kebijakan, standar dan prosedur • Formulation of Information Technology policies,
Teknologi Informasi; standards, and procedures;
• Kesesuaian antara proyek TI yang disetujui • Compliance between approved IT projects and the
dengan Rencana Strategis TI; IT Strategic Plan;
• Kesesuaian antara pelaksanaan proyek TI dengan • Conformity between IT project implementation and
rencana proyek yang disepakati (project charter); the agreed project plan (project charter);
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• Kesesuaian antara TI dengan kebutuhan sistem • Compatibility between IT and management
informasi manajemen serta kebutuhan kegiatan information system needs and the needs of the
usaha Bank; Bank’s business activities;
• Efektivitas langkah-langkah dalam meminimalkan • The effectiveness of steps in minimizing risks
risiko atas investasi Bank sektor TI agar investasi regarding Bank investment in the IT sector, allowing
Bank pada sektor TI memberikan kontribusi the Bank investment in the IT sector to contributes
terhadap pencapaian tujuan bisnis Bank; in achieving the Bank’s business objectives;
• Pemantauan atas kinerja TI dan upaya peningkatan • Monitoring IT performance and efforts to improve
kinerja TI; IT performance;
• Upaya penyelesaian berbagai masalah terkait TI • Efforts to resolve various IT-related problems that
yang tidak dapat diselesaikan oleh satuan kerja cannot be resolved by IT user and operator work
pengguna dan penyelenggara TI secara efektif, units effectively, efficiently, and timely
efisien dan tepat waktu;
• Kecukupan dan alokasi sumber daya yang dimiliki • Adequacy and allocation of resources owned by
Bank. the Bank.
Pelaksanaan Tugas Komite Steering IT Implementation of the Duties of the IT Steering
Committee
Untuk dapat melaksanakan tugasnya secara efektif dan To be able to carry out its duties effectively and efficiently,
efisien, Komite Pengarah TI perlu mengadakan pertemuan the IT Steering Committee needs to hold regular meetings
secara berkala minimal satu kali dalam satu tahun atau at least once a year or at any time necessary to discuss
sewaktu-waktu diperlukan untuk membicarakan hal-hal matters related to IT strategy, which are documented in the
yang terkait dengan strategi TI, yang didokumentasikan form of meeting minutes.
dalam bentuk risalah rapat.
Rapat Komite Steering IT IT Steering Committee Meeting
Pada tanggal 03 April 2023 Komite Streering IT mengadakan On April 3, 2023, the IT Steering Committee held a meeting
rapat dengan agenda: with the following agenda items:
1. Progress Project 2023 di mana membahas 1. 2023 Project Progress, which discusses project
perkembangan project pada tahun 2023 developments in 2023
2. Upgrade New Infrastructure 2023 2. Upgrade New Infrastructure in 2023
3. Penyelesaian pemenuhan Temuan OJK Tahun 2022 3. Completion of fulfillment of OJK Findings in 2022
terkait IT related to IT
Pada tanggal 10 April 2023 Komite Streering IT mengadakan On April 10, 2023, the IT Steering Committee held a meeting
rapat dengan agenda: with the following agenda items:
1. Perubahan aplikasi Antasena 1. Antasena application changes
2. Implementasi atas project upgrade new infrastructure 2. Implementation of the 2023 new infrastructure upgrade
2023 bulan april project in April
3. Pembuatan aplikasi baru yaitu KTA App & Web 3. Creation of a new application, namely the KTA App &
Web
Pada Tanggal 7 Juni 2023 Komite Streeing IT mengadakan On June 7, 2023, the IT Streeing committee held a meeting
rapat dengan agenda: with the following agenda items:
1. Pengembangan sistem yaitu 1. System development, namely
• Retail Payrol Project Phase 2 yaitu InoAn dan LOS • Retail Payroll Project Phase 2, namely InoAn and LOS
• Write-off Recovery (Bulk Process) – InoAn • Write-Off Recovery (Bulk Process) – InoAn
• Upload Journal Inoan (PSAK73) – InoAn • Upload Inoan Journal (PSAK73) – InoAn
• Penghapusan aplikasi Black List dan Click • Removal of Black List and Click applications
2. Revisi report proses Development IT Planning 2. Revise the IT Planning and Development Process
Report.
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Pada Tanggal 13 November 2023 Komite Streeing IT On November 13, 2023, the IT Steering Committee held a
Mengadakan rapat dengan agenda: meeting with the following agenda items:
1. Rencana pengembangan teknologi informasi tahun 1. Information technology development plan for 2024
2024
2. Pergantian aplikasi SLIK & SCV Report System 2. Change of SLIK & SCV Report System applications
3. Perjanjian maintenance apalikasi LOS & Collection 3. LOS & Collection system application maintenance
system dengan next TI agreement with Next TI
4. Pembelian licence TMAX dan kenaikan sementara 4. Purchase of TMAX license and temporary increase in
bandwidth Data center – Data Recovey Center data center bandwidth – Data Recovery Center
5. Review atas IT Policy 5. Review of IT Policy
ASSETS AND LIABILITY COMMITTEE (ALCO) ASSETS AND LIABILITY COMMITTEE (ALCO)
Dalam melaksanakan fungsi pengendalian risiko likuiditas, In carrying out the function of controlling liquidity risk,
risiko suku bunga dan resiko pasar, Bank sekurang- interest rate risk, and market risk, the Bank must at least
kurangnya harus menerapkan Asset Liabilities Management implement Asset Liabilities Management (ALMA). To
(ALMA). Untuk mendukung efektivitas pelaksanaan ALMA, support the effectiveness of ALMA implementation, the
Bank membentuk Assets Liabilities Committee (ALCO) Bank formed an Assets Liabilities Committee (ALCO) based
berdasarkan Surat Keputusan Direksi Nomor 408A/KEP/ on the Board of Directors Decree Number 408A/KEP/DIR/
DIR/BOI/VIII/2023 Tentang Perubahan Susunan Direksi BOI/VIII/2023 concerning Changes in the Composition of
Dan Penambahan Keanggotaan Komite ALCO (Assets and the Board of Directors and Additional Membership of the
Liability Committee) yang terdiri dari: ALCO Committee (Assets and Liability Committee) which
consists of:
Ketua Direktur Utama (merangkap anggota)
Chairman President Director (concurrently member)
• Wakil Direktur Utama
• Direktur Kredit Dan IT
• Direktur Bisnis
Anggota • Kepala Divisi Finance
Members • Vice President Director
• IT and Credit Director
• Business Director
• Finance Division Head
Sekretaris Treasuri
Secretary Treasury
• Direktur Kepatuhan
• Kepala Divisi Risk Manajement
• Kepala Divisi Satuan Kerja Audit Intern
• Kepala Divisi Corporate Planning
• Kepala Divisi Funding
• Kepala Divisi Bisnis
Observer
• Compliance Director
• Risk Management Division Head
• Internal Audit Work Unit Division Head
• Corporate Planning Division Head
• Funding Division Head
• Business Division Head
Note: Observer tidak memiliki hak suara dalam Komite ALCO | Note: Observers do not have voting rights on the ALCO Committee
Tugas dan Tanggung Jawab Duties and Responsibilities
1. Menetapkan kebijakan dan strategi pengelolaan 1. Establish liquidity management policies and strategies
likuiditas untuk mencukupi kebutuhan likuiditas Bank to meet the Bank’s liquidity needs and minimize idle
dan meminimalisasi idle funds; funds;
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2. Menetapkan kebijakan dan strategi yang berkaitan 2. Determine policies and strategies relating to market
dengan risiko pasar, strategi harga serta strategi dalam risk, pricing strategies, and strategies for structuring
penataan portofolio investasi dan strategi penataan investment portfolios and balance sheet structures by
struktur neraca melalui antisipasi perubahan suku anticipating changes in interest rates so that an optimal
bunga sehingga dapat dicapai tingkat marjin bunga level of net interest margin (NIM) can be achieved;
bersih (Net Interest Margin-NIM) yang optimal;
3. Melaporkan realisasi kerjanya melalui rapat rutin dan rapat 3. Reporting the realization of work through regular
khusus yang diadakan untuk membahas hal tertentu. meetings and special meetings held to discuss certain
matters.
Wewenang ALCO ALCO Authority
1. Menetapkan suku bunga deposito, tabungan dan giro; 1. Determine deposit, savings, and current account
interest rates;
2. Menetapkan suku bunga pinjaman; 2. Determine loan interest rates;
3. Menetapkan strategi pendanaan dan investasi; 3. Determine funding and investment strategies;
4. Menetapkan limit yang berkaitan dengan risiko 4. Set limits related to liquidity risk, interest rate risk, and
likuiditas, risiko suku bunga dan sesuai kebijakan in accordance with the overall risk-taking policy.
pengambilan risiko secara keseluruhan.
Pelaksanaan Tugas ALCO Implementation of ALCO Duties
Selama tahun 2023 ALCO telah menyelenggarakan rapat In 2023, ALCO held 12 (twelve) meetings.
sebanyak 12 (dua belas) kali.
Rapat ALCO ALCO Meeting
Rapat ALCO diadakan minimal 1 (satu) kali dalam sebulan ALCO meetings are held at least once a month or according
atau sesuai dengan kebutuhan Bank. Minutes of Meeting to the Bank’s needs. After being signed by those attending
(MoM) rapat ALCO setelah ditandatangani oleh yang hadir the meeting, namely the Chairman, Members, Secretary,
rapat yaitu Ketua, Anggota, Sekretaris, dan Observer, and Observer, the Minutes of Meeting (MoM) of the ALCO
kemudian diedarkan kepada seluruh peserta rapat, Branch meeting are then circulated to all meeting participants,
Manager dan bagian terkait lainnya. Branch Managers, and other related departments.
Pokok Bahasan Rapat ALCO: ALCO Meeting Topics:
1. Kondisi pasar terakhir; 1. Latest market conditions;
2. Pemantauan atas Keputusan ALCO sebelumnya; 2. Monitoring previous ALCO decisions;
3. Kaji ulang deviasi antara hasil aktual dengan proyeksi 3. Review deviations between actual results and the
anggaran dan rencana bisnis Bank; Bank’s budget projections and business plans;
4. Penyampaian informasi kepada Direksi mengenai setiap 4. Submission of information to the Board of Directors
perkembangan ketentuan dan peraturan terkait yang regarding any developments in related provisions and
mempengaruhi strategi dan kebijakan ALMA. regulations that influence ALMA’s strategy and policies.
Dalam menjalankan tugasnya ALCO juga harus melakukan In carrying out its duties, ALCO must also carry out
pembahasan dan pengambilan keputusan terkait: discussions and make decisions related to:
1. Risiko Likuiditas 1. Liquidity Risk
a. Memastikan kegiatan usaha Bank sesuai dengan a. Ensure that the Bank’s business activities comply
struktur neraca, termasuk besarnya modal; with the balance sheet structure, including the
amount of capital;
b. Memastikan bahwa risiko likuiditas yang melekat b. Ensure that the liquidity risks inherent in payment
dalam sistem pembayaran dievaluasi, diukur, dan systems are evaluated, measured, and managed;
dikelola;
c. Memastikan terpenuhinya aspek kepatuhan atas c. Ensure compliance with all requirements set by
seluruh persyaratan yang ditetapkan oleh Bank Bank Indonesia, other relevant regulators, Bank
Indonesia, regulator terkait lainnya, kebijakan Bank policies, and other internal procedures.
dan prosedur internal lainnya
2. Risiko Pasar 2. Market Risk
a. Meninjau dampak kondisi pasar terhadap kinerja a. Reviewing the impact of market conditions on Bank
Bank; performance;
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b. Memastikan terpenuhinya aspek kepatuhan b. Ensure that compliance aspects are met with
terhadap persyaratan yang ditetapkan oleh Bank requirements set by Bank Indonesia and other
Indonesia dan regulator terkait lainnya. relevant regulators.
KOMITE KEBIJAKAN PERKREDITAN CREDIT POLICY COMMITTEE
Komite Kebijakan Perkreditan dibentuk untuk mendukung The Credit Policy Committee was formed to support
kelancaran tugas Direksi dalam merumuskan kebijakan, the smooth running of the Board of Directors’ duties in
mengawasi pelaksanaan kebijakan perkreditan, memantau formulating policies, supervising the implementation of
perkembangan dan kondisi portofolio perkreditan, serta loan policies, monitoring the development and condition
memberikan saran langkah perbaikan. Dasar Pembentukan of the loan portfolio, and providing suggestions for
Komite Kebijakan Perkreditan adalah Surat Keputusan improvement steps. The basis for the formation of the
Direksi PT Bank Oke Indonesia, Tbk. Nomor 577/KEP/DIR/ Credit Policy Committee is the Board of Directors’ Decree
BOI/XI/2023 , dengan struktur keanggotaan sebagai berikut: of PT Bank Oke Indonesia, Tbk. Number 577/KEP/DIR/BOI/
XI/2023, with the following membership structure:
Ketua Direktur Utama (merangkap anggota)
Chairman President Director (concurrently member)
• Wakil Presiden Direktur • Vice President Director
• Direktur Kredit dan IT* • IT and Credit Director*
• Direktur Bisnis* • Business Director*
• Direktur Kepatuhan • Compliance Director
• Kepala Divisi Satuan Kerja Audit Intern (SKAI) • Internal Audit Work Unit Division Head (SKAI) Division
Anggota
• Kepala Divisi Credit Review* • Credit Review Division Head*
Members
• Kepala Divisi Kepatuhan • Compliance Division Head
• Kepala Divisi Risk Management (Sekretaris)* • Risk Management Division Head (Secretary)*
• Kepala Divisi Bisnis** • Business Division Head**
• Kepala Divisi Finance** • Finance Division Head**
• Kepala Divisi Corporate Planning** • Corporate Planning Division Head**
• Pejabat lain sesuai kebutuhan** • Other officials as needed**
Catatan: | Note:
*) Mempunyai Hak Suara | Has Voting Rights
**) Berdasarkan Undangan | By Invitation
Fungsi Komite Kebijakan Perkreditan Functions of the Credit Policy Committee
1. Memberikan masukan kepada Direksi dalam 1. Provide input to the Board of Directors in preparing
penyusunan Kebijakan Perkreditan Bank, terutama the Bank’s Loan Policy, especially in relation to the
yang berkaitan dengan perumusan prinsip kehati- formulation of prudential principles in loan or financing;
hatian dalam perkreditan atau pembiayaan;
2. Mengawasi agar Kebijakan Perkreditan Bank dapat 2. Supervise that the Bank Loan Policy can be applied
diterapkan dan dilaksanakan secara konsekuen dan and implemented consequently and consistently,
konsisten serta merumuskan pemecahan dalam hal and formulate solutions in the event that there are
terdapat hambatan atau kendala dalam penerapan obstacles or constraints in the implementation of the
Kebijakan Perkreditan Bank; Bank Loan Policy;
3. Memantau dan mengevaluasi: 3. Monitor and evaluate:
a. Perkembangan dan kualitas portofolio perkreditan a. Development and quality of the overall loan or
atau pembiayaan secara keseluruhan; financing portfolio;
b. Kebenaran pelaksanaan ke wenangan memutus b. Correctness of the implementation of authority to
Kredit atau Pembiayaan; decide on Loan or Financing;
c. Kebenaran proses pemberian perkembangan dan c. Correctness of the process of providing
kualitas Kredit atau Pembiayaan yang diberikan development and quality of Loan or Financing
kepada pihak terkait dengan Bank dan debitur provided to parties related to the Bank and certain
besar tertentu; large debtors;
d. Kebenaran pelaksanaan ketentuan BMPK; d. Correctness of the implementation of LLL provisions;
e. Ketaatan terhadap ketentuan peraturan perundang- e. Compliance with the provisions of laws and other
undangan dan peraturan lain dalam pelaksanaan regulations in the implementation of Loan or
pemberian Kredit atau Pembiayaan; Financing provision;
f. Penyelesaian Kredit atau Pembiayaan bermasalah f. Settlement of non-performing Loan or Financing in
sesuai dengan yang ditetapkan dalam KPB; dan accordance with those stipulated in the KPB; and
g. Upaya Bank dalam memenuhi kecukupan jumlah g. The Bank’s efforts to meet the adequacy of the
penyisihan penghapusan Kredit atau Pembiayaan; allowance for Loan or Financing write-offs;
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4. Melakukan kajian berkala terhadap Kebijakan 4. Conduct periodic reviews of the Bank’s Loan Policy and
Perkreditan Bank dan memberikan saran kepada provide advice to the Board of Directors in the event
Direksi dalam hal diperlukan perubahan atau perbaikan that changes or improvements to the Bank’s Credit
Kebijakan Perkreditan Bank. Policy are required.
Tugas dan Tanggung Jawab Komite Kebijakan Perkreditan Duties and Responsibilities of the Credit Policy Committee
1. Menyampaikan laporan tertulis secara berkala kepada 1. Submit regular written reports to the Board of Directors
direksi dengan tembusan kepada Dewan Komisaris with a copy to the Board of Commissioners regarding:
mengenai:
a. Hasil pengawasan atas penerapan dan pelaksanaan a. Results of supervision of the application and
Kebijakan Perkreditan Bank; implementation of the Bank Lending Policy;
b. Hasil pemantauan dan evaluasi. b. Monitoring and evaluation results.
2. Memberikan saran langkah-langkah perbaikan kepada 2. Provide suggestions for improvement steps to the
Direksi dengan tembusan kepada Dewan Komisaris. Board of Directors, with a copy to the Board of
Commissioners.
Pelaksanaan Tugas Komite Kebijakan Perkreditan Implementation of the Duties of the Credit Policy Committee
Komite Kebijakan Perkreditan melakukan kajian berkala The Credit Policy Committee carries out periodic reviews of
terhadap Kebijakan Perkreditan Bank dan memberikan the Bank’s Loan Policy and provides advice to the Board of
saran kepada direksi dalam hal diperlukan perubahan atau Directors in cases where changes or improvements to the
perbaikan Kebijakan Perkreditan Bank. Bank’s Loan Policy are required.
Rapat Komite Kebijakan Perkreditan Credit Policy Committee Meeting
Selama tahun 2023 terdapat 1 (satu) kali Rapat Komite In 2023, the Credit Policy Committe held 1 (one) meeting. The
Kebijakan Perkreditan. Komite Kebijakan Perkreditan tetap Credit Policy Committee continues to carry out its supervisory
menjalankan fungsi pengawasan atas penerapan dan function over the application and implementation of
pelaksanaan Kebijakan Perkreditan Bank serta melakukan the Bank Lending Policy as well as monitoring and
pemantauan dan mengevaluasi pelaksanaan pemberian evaluating the implementation of loan provisions.
kredit. Waiting for Client Data & Corrections.
KOMITE PENGEMBANGAN PRODUK PRODUCT DEVELOPMENT COMMITTEE
Komite Pengembangan Produk dibentuk untuk mendukung The Product Development Committee was formed to
kelancaran tugas Direksi dalam pengembangan produk support the smooth running of the Board of Directors’
yang dan mengandung unsur pengendalian intern mulai duties in product development and contains elements
tahap awal proses kegiatan perencanaan pengembangan. of internal control starting from the early stages of the
development planning activity process.
Dasar pembentukan Komite Pengembangan Produk adalah The basis for establishing the Product Development
Surat Keputusan Direksi PT Bank Oke Indonesia, Tbk. Nomor Committee is the Board of Directors’ Decree of PT Bank Oke
474/KEP/DIR/BOI/X/2023, dengan Struktur Keanggotaan Indonesia, Tbk. Number 474/KEP/DIR/BOI/X/2023, with the
sebagai berikut: following Membership Structure:
Ketua (merangkap anggota) Presiden Direktur*)
Chairman (concurrently member) President Director*)
• Wakil Presiden Direktur*) • Vice President Director*)
• Direktur Kredit dan IT*) • IT and Credit Director*)
• Direktur Kepatuhan*) • Compliance Director*)
• Direktur Bisnis*) • Business Director*)
• Kepala Divisi Finance*) • Finance Division Head*)
Anggota
• Kepala Divisi Corporate Planning*) • Corporate Planning Division Head*)
Members
• Kepala Divisi Risk Management*) • Risk Management Division Head*)
• Kepala Divisi Credit Review**) • Credit Review Division Head**)
• Kepala Divisi Kepatuhan**) • Compliance Division Head**)
• Kepala Divisi Legal**) • Legal Division Head**)
• Kepala Divisi Bisnis**) • Business Division Head**)
• Pejabat lain sesuai kebutuhan**) • Other officials as needed**)
Catatan: | Note:
*) Mempunyai Hak Suara | Has Voting Rights
**) Berdasarkan Undangan | By Invitation
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Tata Kelola Perusahaan
Corporate Governance
Fungsi Komite Pengembangan Produk Product Development Committee Functions
1. Memberikan masukan kepada Direksi dalam 1. Provide input to the Board of Directors in preparing
penyusunan produk Bank, terutama yang berkaitan Bank products, especially those related to planning,
dengan perencanaan, prospek bisnis, serta risiko business prospects, and product risks.
produk.
2. Mengevaluasi produk Bank yang diajukan dapat 2. Evaluate whether the proposed Bank products can
diterapkan dan dilaksanakan secara konsekuen be applied and implemented consequently and
dan konsisten serta memberikan nilai tambah dan consistently and provide added value and profits for
keuntungan bagi bisnis Bank. the Bank’s business.
3. Mengevaluasi ketaan terhadap ketentuan peraturan 3. Evaluate compliance with statutory provisions and
perundang-undang dan peraturan lain terkait produk other regulations related to Bank products.
Bank.
Tugas dan Tanggung Jawab Komite Pengembangan Duties and Responsibilities of the Product Development
Produk Committee
Melakukan evaluasi dan memberikan persetujuan atas Evaluate and provide approval for new product and/or
proposal pengembangan produk dan/atau aktivitas baru. activity development proposals.
Pelaksanaan Tugas Komite Pengembangan Produk Implementation of Duties of the Product Development
Committee
Setiap produk atau aktivitas Bank yang dikembangkan dan Every Bank product or activity developed and published
diterbitkan wajib mendapatkan persetujuan dari satuan/ must obtain approval from the Product Development
Komite Pengembangan Produk, yang setidaknya terdiri atas Unit/Committee, which at least consists of the Board of
Direksi, unit pengembangan produk, unit risk management; Directors, product development unit, risk management
dan unit finance, dan sudah dicantumkan dalam RBB pada unit, and finance units, and has been included in the RBB
tahun berjalan. for the current year.
Rapat Komite Pengembangan Produk Product Development Committee Meeting
Selama Periode 2023 tidak diadakan rapat Komite In 2023, no Product Development Committee meetings
Pengembangan Produk karena tidak terdapat pengajuan were held because there were no new product applications.
produk baru. Hal ini sesuai dengan ketentuan internal yang This is in accordance with applicable internal regulations.
berlaku.
222 Laporan Tahunan 2023 Annual Report
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Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan Bank berfungsi sebagai penghubung The Bank’s Corporate Secretary functions as the liaison
antara Bank dengan lembaga/instansi terkait, otoritas between the Bank and related institutions/agencies,
pasar modal, komunitas pemodal dan masyarakat umum. capital market authorities, the investor community and the
Sekretaris Perusahaan bertanggung jawab menyediakan general public. The Corporate Secretary is responsible for
dan menyampaikan informasi kepada masyarakat umum providing and conveying information to the general public
maupun untuk kepentingan investor yang berhubungan and for the benefit of the investors related to the Bank’s
dengan kinerja Bank secara tepat waktu, akurat dan performance in a timely, accurate, and transparent manner
transparan sesuai ketentuan dan perundang-undangan following the provisions and laws that apply to the banks
yang berlaku bagi bank maupun bagi perusahaan publik. and public companies.
Sekretaris Perusahaan bertanggung jawab menyediakan dan
menyampaikan informasi kepada masyarakat umum maupun
untuk kepentingan investor yang berhubungan dengan
kinerja Bank secara tepat waktu, akurat, dan transparan sesuai
ketentuan dan perundang-undangan yang berlaku bagi bank
maupun bagi perusahaan publik.
Untuk mendukung pelaksanaan tugas dan tanggung jawabnya
tersebut, Sekretaris Perusahaan aktif mengikuti pelatihan,
maupun seminar yang diselenggarakan instansi terkait Pasar
Modal, seperti LPPI, OJK, maupun BEI
The Corporate Secretary is responsible for providing and conveying information to the
general public and for the benefit of investors related to the Bank's performance in a
timely, accurate, and transparent manner in accordance with the laws and regulations
applicable to banks and public companies.
To support the implementation of these duties and responsibilities, the Corporate
Secretary actively participates in training and seminars organized by Capital Market
related agencies, such as LPPI, OJK, and IDX.
DASAR HUKUM PEMBENTUKAN LEGAL BASIS
Peraturan Otoritas Jasa Keuangan Nomor 35/POJK.04/2014 Financial Services Authority Number 35/POJK.04/2014
tentang Sekretaris Perusahaan Emiten atau Perusahaan concerning Corporate Secretary of Issuers or Public
Publik. Companies.
PIHAK YANG MENGANGKAT DAN THE PARTY THAT APPOINTS AND DISMISSES THE
MEMBERHENTIKAN SEKRETARIS PERUSAHAAN CORPORATE SECRETARY
Sekretaris Perusahaan bertanggung jawab langsung kepada The Corprorate Secretary is directly responsible to the
Direksi serta diangkat dan diberhentikan berdasarkan Board of Directors and is appointed and dismissed based on
Keputusan Direksi berdasarkan mekanisme internal the Decree of the Board of Directors and the Bank’s internal
Bank. Pengangkatan Sekretaris Perusahaan dengan mechanisms. Appointment of the Corporate Secretary by
mempertimbangkan kemampuan profesional serta considering his/her professional ability and integrity in
integritasnya di masyarakat dan bisnis. society and business.
PT BANK OKE INDONESIA Tbk 223
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Tata Kelola Perusahaan
Corporate Governance
PROFIL SEKRETARIS PERUSAHAAN CORPORATE SECRETARY PROFILE
Pada tahun 2023, Sekretaris Perusahaan OK BANK dijabat In 2023, OK BANK’s Corporate Secretary is held by Efdinal
oleh Efdinal Alamsyah yang merangkap sebagai Direktur Alamsyah who serves as the Director of Compliance who
Kepatuhan yang diangkat berdasarkan Surat Keputusan was appointed based on the Decree of the Board of
Direksi Nomor 020/SK/DIR/VII/2019 tanggal 09 Juli 2019. Directors Number 020/SK/DIR/VII/2019 dated July 9, 2019.
Profil beliau dapat dilihat pada bagian Profil Direksi di his profile can be seen in the Board of Directors’ profile in
bagian Profil Perusahaan pada laporan tahunan ini. the Company Profile section of this annual report.
TUGAS DAN TANGGUNG JAWAB SEKRETARIS DUTIES AND RESPOSIBILITIES OF THE
PERUSAHAAN CORPORATE SECRETARY
Uraian tugas dan tanggung jawab Sekretaris Perusahaan, The description of the duties and responsibilities of the
antara lain sebagai berikut: Corporate Secretary, among others, are as follows:
1. Mengikuti perkembangan pasar modal khususnya 1. Following the development of the capital market,
peraturan-peraturan yang berlaku di bidang pasar especially the regulations in force in the capital market;
modal;
2. Memberikan pelayanan kepada masyarakat atas setiap 2. Providing services to the public for every information
informasi yang dibutuhkan pemberi modal yang needed by the financier related to the condition of the
berkaitan dengan kondisi Perseroan; Company;
3. Memberikan masukan kepada Direksi Perseroan 3. Providing input to the Board of Directors to comply
untuk mematuhi ketentuan Undang-Undang Nomor with the provisions of Law Number 8 of 1995 about the
8 Tahun 1995 tentang pasar modal dan peraturan capital market and its implementing regulations;
pelaksanaannya;
4. Sebagai penghubung antara Perseroan dengan pihak- 4. As a liaison between the Company and the authorities
pihak berwenang (OJK, BEI dan lainnya) serta publik; (OJK, IDX, and others) and the public;
5. Melaksanakan Keterbukaan Informasi termasuk 5. Implementing Disclosure of Information, including
pelaporan-pelaporan kepada Regulator sehubungan reports to Regulators regarding the Bank’s status as a
status Bank sebagai Perusahaan Terbuka; Public Company;
6. Menyelenggarakan dan mendokumentasikan Rapat 6. Organizing and documenting the General Meeting of
Umum Pemegang Saham; Shareholders;
7. Melaksanakan pelaporan-pelaporan sesuai ketentuan 7. Carrying out reports following other laws that are under
perundangan lainnya yang menjadi kewenangan unit the authority of the Corporate Secretary work unit;
Kerja Corporate Secretary;
8. Mengelola administrasi pemegang saham Perseroan; 8. Managing the administration of the Company’s
shareholders;
9. Menyelenggarakan kegiatan-kegiatan lainnya yang 9. Organizing other activities that are related to Corporate
berkaitan dengan Aksi Korporasi dan/atau keterbukaan Action and/or other disclosure of information;
informasi lainnya;
10. Melaksanakan fungsi kepatuhan Bank terhadap 10. Carrying out the Bank’s compliance function with
peraturan-peraturan di bidang Pasar Modal; regulations in the Capital Market sector;
11. Melaksanakan kegiatan-kegiatan aktivitas Corporate 11. Carrying out Corporate Social Responsibility activities;
Social Responsibility;
12. Melaksanakan kegiatan lainnya yang sejenis baik yang 12. Carrying out other similar activities, whether it is
merupakan pelaksanaan program pemerintah maupun the implementations of government programs or
kerja sama dengan pihak ketiga seperti Program cooperation with third parties, such as the Partnership
Kemitraan dan Bina Lingkungan dan pemberian and Community Development Program and the
sumbangan atau donasi sehubungan dengan bencana provision of donations or donations in connections
alam; natural disasters;
13. Memastikan penyampaian laporan berkala kepada OJK 13. Ensuring the submission of periodic reports to the
serta BEI baik melalui surat tercatat ataupun secara OJK and the IDX. Whether through registered mail or
elektronik melalui laman www.idxnet.co.id dan www. electronically via the www.idxnet.go.id and the www.
spe.ojk.go.id spe.ojk.go.id webpage.
224 Laporan Tahunan 2023 Annual Report
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LAPORAN PELAKSANAAN TUGAS
Selama tahun 2023 Sekretaris Perusahaan OK BANK telah TASK IMPLEMENTATION REPORT
melaksanakan fungsi dan tugas yang berkaitan dengan During 2023 the Corporate Secretary of OK BANK has
pemangku kepentingan, antara lain: carried out functions and duties related to stakeholders,
including:
1. Mengikuti perkembangan peraturan Pasar Modal 1. Following the development of the Capital Market
khususnya peraturan perundang-undangan yang regulations, especially the laws and regulations in
berlaku di Pasar Modal, antara lain dengan memastikan force in the Capital Market, among others by ensuring
kepatuhan atas peraturan baru yang dikeluarkan oleh compliance of new regulations issued by the OJK,
OJK, Bursa Efek Indonesia dan Regulator lain yang the Indonesian Stock Exchange, and other Regulators
terkait dengan Pasar Modal. related to the Capital Market.
2. Membangun GCG Awareness untuk Direksi dan Dewan 2. Building GCG Awareness for OK BANK’s Board of Directors
Komisaris OK BANK termasuk menginformasikan and Board of Commissioners, including informing them
adanya kebijakan baru dan isu mengenai GCG. of new policies and issues regarding GCG.
3. Menyelenggarakan dan mendokumentasikan Rapat 3. Organizing and documenting the General Meeting of
Umum Pemegang Saham pada tanggal 11 Mei 2023, Shareholders on the 11th of May 2023, and conducting a
serta melaksanakan Public Expose pada tanggal 11 Mei Public Expose on the 11th of May 2023.
2023.
4. Menyelenggarakan dan menghadiri Rapat Direksi, 4. Organizing and attending the Board of Directors
Rapat Dewan Komisaris dan Rapat gabungan antara Meetings, the Board of Commissioners Meetings, and
Direksi dan Dewan Komisaris. Pada tahun 2023 telah the joint meetings between the Board of Directors and
terselenggara masing-masing sebanyak 22 (dua puluh the Board of Commissioners. In 2023, 22 (twenty two)
dua) kali, 6 (enam) kali dan 3 (tiga) kali rapat. times, 6 (six) times, and 3 (three) times meetings have
been held respectively.
5. Melakukan review secara periodik terhadap kebijakan 5. Conducting periodic reviews of the Company’s
Pokok Perusahaan, Anggaran Dasar perusahaan, Principal Policies, the company’s Article of Association,
Pedoman dan Tata Tertib kerja Direksi, Pedoman the Board of Directors’ Guidelines and Work rules, the
dan Tata Tertib Kerja Dewan Komisaris dan kebijakan Board of Commissioners’ Work Guidelines and Code of
lainnya sesuai dengan peraturan perundangan yang Conduct, and other policies following applicable laws
berlaku dan pelaksanaan tata kelola OK BANK. and the implementation of OK BANK’s governance.
6. Melakukan Keterbukaan Informasi kepada masyarakat 6. Conducting the Disclosure of Information to the public
sesuai dengan peraturan perundangan yang berlaku. in accordance to the applicable laws and regulations.
7. Menyusun Laporan Tahunan dan Laporan Keberlanjutan 7. Preparing the Annual report and Sustainability Report
Tahun Buku 2023 serta menyampaikan kepada for the 2023 fiscal year and submitting it to the
Regulator terkait secara tepat waktu, serta memonitor Regulator in a timely manner, and monitoring other
laporan lainnya. reports.
8. Pengurusan Uji Kemampuan dan Kepatutan 2 (dua) 8. Management of Fit and Proper test of 2 (two) from the
Direksi dan 1 (satu) Dewan Komisaris. Board of Directors and 1 (one) Board of Commissioner.
9. Menyalurkan program Corporate Social Responsibility. 9. Distributing the Corporate Social Responsibility
program.
10. Sebagai penghubung antara OK BANK dengan 10. Acting as a liaison between OK BANK and the
pemegang saham, investor, regulator, maupun para shareholders, investors, regulators, and other
pemangku kepentingan lainnya. stakeholders.
PELATIHAN DAN PENGEMBANGAN KOMPETENSI COMPETENCY AND DEVELOPMENT TRAINING
Metode
Jumlah Peserta
Pelatihan Pelatihan Nama
No Vendor Period Total
Training Training Name
Participants
Method
1 Refreshment Program of Risk Management LPPI Inhouse 29 Agustus 2023 5 Mr. Efdinal
Certification with theme of Global ESG & Bank Alamsyah
Sustainability
PT BANK OKE INDONESIA Tbk 225
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Tata Kelola Perusahaan
Corporate Governance
Satuan Kerja Audit Internal
Internal Audit Unit
Untuk mendukung pelaksanaan tugas pemeriksaan kepatuhan
seluruh jajaran terhadap ketentuan peraturan perundangan
maupun kebijakan internal yang berlaku, seluruh jajaran Satuan
Kerja Audit Internal (SKAI), telah memiliki sertifikasi spesifik
yang dipersyaratkan. Seluruh jajaran SKAI juga senantiasa
menjunjung tinggi independensi dan menjalankan tugas dengan
berpedoman pada Piagam Audit yang senantiasa dikaji dan
diperbaharui agar selaras dengan perkembangan terkini.
To support the implementation of the task of checking the compliance of all levels with
the provisions of laws and regulations and applicable internal policies, all levels of the
Internal Audit Unit (SKAI), have the specific certification required. All levels of SKAI also
always uphold independence and carry out their duties based on the Audit Charter
which is always reviewed and updated to be in line with the latest developments.
DASAR HUKUM LEGAL BASIS
1. Peraturan Otoritas Jasa Keuangan Nomor 1/ 1. Financial Services Authority Regulation Number 1/
POJK.03/2019 tentang Penerapan Fungsi Audit Intern POJK.03/2019 concerning the Implementation of the
pada Bank Umum. Internal Audit Function in Commercial Banks.
2. Peraturan Otoritas Jasa Keuangan Nomor 56/ 2. Financial Services Authority Regulation Number 56/
POJK.04/2015 tentang Pembentukan dan Pedoman POJK.04/2015 concerning the Establishment and
Penyusunan Piagam Unit Audit Internal. Guidelines for Drafting an Internal Audit Unit Charter.
3. Peraturan Otoritas Jasa Keuangan Nomor 17 tahun 2023 3. Financial Services Authority Regulation Number 17
tentang Tata Kelola Bank Umum of 2023 concerning Good Corporate Governance for
Commercial Banks.
PIHAK YANG MENGANGKAT DAN THE PARTY THAT APPOINTS AND DISMISSES THE
MEMBERHENTIKAN KEPALA SATUAN KERJA HEAD OF THE ITERNAL AUDIT UNIT
AUDIT INTERNAL
Kepala SKAI diangkat dan diberhentikan oleh Direktur The Head of SKAI is appointed and dismissed by the
Utama dengan persetujuan Dewan Komisaris dan/atau President Director with the approval of the Board of
Komite Audit, selanjutnya dilaporkan ke Otoritas Jasa Commissioners and/or the Audit Committee, then reported
Keuangan. to the Financial Services Authority.
STRUKTUR DAN KEDUDUKAN SATUAN KERJA STRUCTURE AND POSITION OF THE INTERNAL
AUDIT INTERNAL AUDIT UNIT
Dalam struktur organisasi Bank, unit Satuan Kerja Audit In the Bank’s organizational structure, the Internal Audit
Internal (SKAI) dipimpin oleh Kepala SKAI yang bertanggung Unit (SKAI) is lead by the Head of SKAI who reports directly
jawab langsung kepada Direktur Utama. to the President Director.
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PIAGAM AUDIT INTERNAL INTERNAL AUDIT CHARTER
Dalam melaksanakan tugasnya, Satuan Kerja Audit Internal In carrying out its duties, the Internal Audit Unit is guided
berpedoman pada Piagam Audit Internal (Internal Audit by the Internal Audit Charter as stated in the Decree of
Charter) yang tertuang dalam Keputusan Direksi Nomor the Board of Directors Number 019/IM-BOI/IA/VI/2022
019/IM-BOI/IA/VI/2022 tanggal 21 Juni 2022 dan telah dikaji dated June 21, 2022 and it has been reexamined in the 16th
kembali tanggal 16 November 2023 yang disusun sebagai of November 2023 which was issued as a guidance of the
pedoman pelaksanaan fungsi Audit Internal Bank. implementation of the Bank’s Internal Audit function.
PROFIL KEPALA SATUAN KERJA AUDIT INTERNAL PROFILE OF THE HEAD OF THE INTERNAL AUDIT
UNIT
Pada tahun 2023, Kepala Satuan Kerja Audit Internal dijabat In 2023, the Head of the Internal Audit Unit is held by
oleh Murniasih, yang diangkat berdasarkan Surat Keputusan Murniasih, who is appointed based on the Decree of the Board
Direksi Nomor 106/INT-HRD/XI/2020 tanggal 2 November of Directors Number 106/INT-HRD/XI/2020 dated November 2,
2020 perihal Perubahan Kepala Satuan Kerja Audit Intern 2020 regarding the Change of the Head of the Internal Audit
(SKAI) PT Bank Oke Indonesia, Tbk. Work Unit (SKAI) of PT Bank Oke Indonesia, Tbk.
Sebelumnya Murniasih merupakan Kepala Departemen Previously, Murniasih was the Head of the Internal Audit
Internal Audit OK BANK sejak tahun 2019 dan berkarir di Department of OK BANK sine 2019 and had a career in Bank
Bank Andara sejak tahun 2014 serta Bank of India Indonesia Andara since 2014 and Bank of India since 2002.
sejak tahun 2002.
Pelatihan Kepala Audit Intern
Training of the Head of the Internal Audit
Metode Jumlah
Pelatihan Pelatihan Peserta Nama
No Vendor Period
Training Training Total Name
Method Participants
1 Training Penerapan POJK Nomor 11/POJK.03/2022 dan LMI Publik 09 Maret 2023 1 Murniasih
SEOJK Nomor 29/SEOJK.03/2022 dalam Pencegahan Public March 9, 2023
Risiko Kejahatan Siber di Industri Keuangan
Training on Implementation of POJK Number 11/
POJK.03/2022 and SEOJK Number 29/SEOJK.03/2022
in the Prevention of Cyber crime Risks in the Financial
Industry
2 Refreshment Program of Risk Management LPPI In House 12 September 2023 20 Murniasih
Certification with theme Treasury, Risk Management, September 12, 2023
Compliance, SKAI, dan Three Line of Defance
3 Workshop ISO27001 Skypro In House 26-Sep-23 19 Murniasih
ISO27001 Workshop September 26, 2023
4 Leadership Training Program Remaja In House 20 Oktoer 2023 40 Murniasih
Talenta October 20, 2023
FUNGSI AUDIT INTERN INTERNAL AUDIT FUNCTION
1. Membantu memperbaiki dan memperkuat lingkungan 1. Helping to improve and strengthen the internal control
pengendalian Intern di Bank; in the Bank;
2. Memberikan pandangan yang independen kepada 2. Providing an independent view to the Board of
Dewan Komisaris melalui Komite Audit dan Direksi Commissioners through the Audit Committee and the
terhadap kecukupan pengendalian intern dan Board of Directors regarding the adequacy of internal
kepatuhan terhadap kebijakan dan prosedur; control and compliance with policies and procedures;
3. Menyediakan jasa konsultasi yang memberikan nilai 3. Providing consulting services that provides additional
tambah dan memperbaiki kegiatan operasional; value and improves operational activities;
4. Membantu Manajemen untuk mencapai tujuannya 4. Assisting the Management to reach its goal with
dengan pendekatan yang sistematis dan disiplin a systematical and disciplined approach in order
untuk mengevaluasi dan memperbaiki efektivitas dari to evaluate and improve the effectiveness of risk
manajemen risiko, kontrol, dan proses tata kelola yang management, control, and good governance processes.
baik.
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Tata Kelola Perusahaan
Corporate Governance
RUANG LINGKUP TUGAS SATUAN KERJA AUDIT SCOPE OF DUTIES OF THE INTERNAL AUDIT
INTERN WORK UNIT
Dalam melaksanakan tugas dan fungsi serta wewenangnya In carrying out its duties and functions and its authority,
maka pelaksanaan pemeriksaan dan evaluasi Satuan Kerja the inspection and evaluation of the Internal Audit Work
Audit Intern mencakup: Unit includes:
1. Pemeriksaan dan evaluasi terhadap efektivitas, efisiensi 1. Examination and evaluation of the effectiveness,
dan kecukupan pengendalian intern, manajemen risiko efficiency, and adequacy of internal control, risk
serta tata kelola secara berkesinambungan; management, and governance on an ongoing basis;
2. Pemeriksaan dan evaluasi terhadap keandalan, 2. Examination and evaluation of the reliability,
efektivitas, integritas dari proses dan sistem informasi effectiveness, integrity of management information
manajemen; systems and processes;
3. Pemeriksaan dan evaluasi kepatuhan terhadap 3. Examination and evaluation of compliance with the
ketentuan perundang-undangan; statutory provisions;
4. Pemeriksaan dan evaluasi terhadap kinerja organisasi; 4. Examination and evaluation of organizational
performance;
5. Memberikan rekomendasi kepada Direksi untuk 5. Providing recommendations to the Board of Directors
meningkatkan efektivitas pengendalian intern dan to improve effectiveness of internal control and
sistem manajemen risiko; management information systems;
6. Mengidentifikasi alternatif perbaikan dan peningkatan 6. Identifying alternative improvements and increase of
efisiensi serta efektivitas penggunaan sumber daya dan efficiency and effectiveness in the use of resources and
dana; funds;
7. Melakukan investigasi atas kasus-kasus yang cukup 7. Conducting investigations into significant cases that
signifikan yang terjadi di Bank atau berdasarkan occurred in the Bank or at the request of the Board of
permintaan Direksi, Dewan Komisaris dan atau Komite Directors, Board of Commissioners and/or the Audit
Audit; Committee;
8. Melakukan pemeriksaan yang meliputi kegiatan 8. Conducting inspections covering all areas of the Head
segenap area Unit Kerja Kantor Pusat dan Kantor Office Work Unit and Branch/Sub-Branch Offices.
Cabang/Cabang Pembantu.
KEWENANGAN AUTHORITY
1. SKAI diberi kebebasan dalam menetapkan metode, 1. SKAI is given the freedom to determine the methods,
cara, teknik dan pendekatan audit yang dilakukan manners, techniques, and audit approaches that are
sesuai dengan profesi dan standar internal audit; carried out following the profession and internal audit
standards;
2. SKAI dalam melaksanakan tugasnya diberikan 2. In carrying out its duties SKAI is given full authority to
wewenang penuh untuk mendapatkan akses terhadap gain access to all the relevant information on the Bank
seluruh informasi yang relevan tentang Bank terkait related to the duties and function of the SKAI;
dengan tugas dan fungsi SKAI;
3. SKAI menyelenggarakan rapat secara berkala dan 3. SKAI holds regular and incidental meetings with the
insidentil dengan BOD, BOC, serta Komite Audit; BOD, BOC, and the Audit Committee;
4. Melakukan komunikasi langsung dengan BOD, BOC dan 4. Conducting direct communication with the BOD, BOC,
Komite Audit; and the Audit Committee;
5. Melakukan koordinasi dengan auditor ekstern; 5. Coordinating with the external auditors;
6. Mengikuti rapat yang bersifat stategis; 6. Participating in strategic meetings;
7. SKAI mendapat dukungan sepenuhnya dari Direksi 7. SKAI receives full support from the Board of Directors
untuk dapat bekerja dengan bebas tanpa campur to work freely without the interference of other parties;
tangan dari pihak manapun;
8. SKAI dalam melaksanakan tugasnya berwenang untuk 8. In carrying out its duties, SKAI is authorized to obtain
mendapat bantuan personil dari unit-unit kerja di Bank personnel assistance from the work units in the Bank
dimana audit dilaksanakan, juga jasa khusus lainnya dari where the audit is carried on, in addition to other
dalam maupun luar Bank; special services from within and outside the Bank;
9. SKAI tidak memiliki wewenang dan atau tanggung 9. SKAI is has no authority and/or responsibility to carry
jawab untuk melaksanakan kegiatan-kegiatan out the Bank’s operational activities;
operasional Bank;
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10. SKAI berwenang untuk memberikan tanggapan atas 10. SKAI is authorized to provide feedback on proposed
usulan kebijakan atau sistem dan prosedur untuk dapat policies or systems and procedures to be able to ensure
memastikan bahwa dalam kebijakan ataupun sistem that the new policies and systems include aspects of
yang baru tersebut telah dimasukkan pula aspek-aspek internal control as well;
pengendalian intern;
11. SKAI berwenang untuk memberikan Konfirmasi Hasil 11. SKAI is authorized to provide Audit Result Confirmation
Audit (KHA) kepada auditee. (KHA) to the auditee
TANGGUNG JAWAB RESPONSIBILITIES
Tanggung jawab dari Satuan Kerja Audit Intern PT Bank Oke The responsibilities of the Internal Audit Work Unit of PT
Indonesia, Tbk. antara lain: Bank Oke Indonesia, Tbk. include:
1. Membantu melakukan pengawasan dengan melakukan 1. Assisting in supervising by elaborating on operational
penjabaran operasional baik perencanaan, pelaksanaan, planning, implementation, and monitoring of the audit
maupun pemantauan hasil audit; results;
2. Membuat analisa dan penilaian di bidang keuangan, 2. Making analysis and assessments in the field of finance,
akuntansi, operasional, dan kegiatan lain melalui audit; accounting, operational, and other other activities
through auditing;
3. Mengidentifikasikan kemungkinan pelaksanaan 3. Identifying the possibility of implementing the
perbaikan dan peningkatan efisiensi sumber daya; improvement and increase of resource efficiency;
4. Memberikan saran/rekomendasi perbaikan dan 4. Providing improvement suggestions/recommendations
informasi objektif terkait dengan objek yang diaudit. and objective information related to the object that is
being audited.
Pelaksanaan tugas Satuan Kerja Audit Intern (SKAI) tersebut The implementation of the duties of the Internal Audit
dikoordinasi oleh seorang kepala SKAI yang dipandang Work Unit (SKAI) is coordinated by a head of the SKAI who
memiliki kompetensi dan kemampuan memadai dan is deemed to have adequate competence and ability and is
bertanggung jawab untuk: responsible for:
1. Memastikan pelaksanaan fungsi audit intern sesuai 1. Ensuring the implementation of the Internal Audit
dengan Standar Profesional Audit Intern dan Kode Etik function following the Professional standards of the
Audit Intern; Internal Audit and the Internal Audit Code of Ethics;
2. Memilih sumber daya manusia yang kompeten sesuai 2. Selecting competent human resources following the
dengan kebutuhan dalam pelaksanaan tugas SKAI; requirements in carrying out the duties of SKAI;
3. Memastikan anggota SKAI mengikuti pengembangan 3. Ensuring that the members of SKAI participate in
profesional berkelanjutan serta pelatihan lain sesuai continuous professional improvement and other
dengan perkembangan kompleksitas dan kegiatan training following the developments of complexity and
usaha Bank; business activity of the Bank;
4. Menyusun dan mengkaji piagam audit intern secara 4. Periodically preparing and reviewing the internal audit
periodik; charter;
5. Menyusun rencana audit tahunan dan alokasi anggaran 5. Preparing the annual audit plan and budget allocation
untuk pelaksanaan fungsi audit intern; to implement the function of the internal audit;
6. Memastikan pelaksanaan audit intern sesuai dengan 6. Ensuring that the internal audit’s implementation
rencana audit intern; follows the internal audit plan;
7. Melaporkan temuan yang signifikan kepada Direksi 7. Reporting significant findings to the Board of Directors
untuk dilakukan tindakan perbaikan dalam waktu yang for a corrective action in a timely manner;
cepat;
8. Memantau tindakan perbaikan atas temuan yang 8. Monitoring the corrective action towards significant
signifikan; findings;
9. Melaporkan hasil pemantauan tindak lanjut perbaikan 9. Reporting the results of monitoring the follow-up on
atas temuan yang signifikan kepada Direksi dan Dewan the corrective action on the significant finding to the
Komisaris, dengan tembusan kepada Komite Audit dan Board of Directors and the Board of Commissioners,
direktur yang membawahkan fungsi kepatuhan. with a copy to the Audit Committee and the director in
charge of the compliance function.
PT BANK OKE INDONESIA Tbk 229
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Tata Kelola Perusahaan
Corporate Governance
INDEPENDENSI INDEPENDENCE
Untuk mendukung independensi dan menjamin kelancaran In order to support independence and ensure a smooth
audit serta wewenang dalam memantau tindak lanjut audit and the authority in monitoring a follow-up, the
maka Kepala SKAI dapat berkomunikasi langsung dengan head of SKAI may directly communicate with the Board of
Dewan Komisaris dan atau Komite Audit yang diketuai oleh Commissioners and/or the Audit Committee that is led by
seorang Komisaris Independen untuk menginformasikan an Independent Commissioner to inform on various maters
berbagai hal yang berhubungan dengan audit. Pemberian concerning the audit. The provision of the information must
informasi tersebut harus dilaporkan kepada Direktur Utama be reported to the President Director with a copy to the
dengan tembusan kepada Direktur Kepatuhan. Compliance Director.
Dalam menegakkan independensinya, Satuan Kerja Audit In upholding its independence, the Internal Audit Work
Internal harus: Unit must:
1. Mampu mengungkapkan pandangan dan pemikirannya 1. Be able to express their views and thoughts without
tanpa pengaruh ataupun tekanan dari pihak lain; the influence and pressure from other parties;
2. Memiliki kebebasan dalam menetapkan metode, cara 2. Have the freedom to determine the methods, means,
dan teknik pendekatan audit yang dilakukan; and approach techniques to the audit that is being
carried out on;
3. Melaksanakan fungsinya dengan objektif, tercermin 3. Carry out its function objectively, reflected in the
pada laporan yang lengkap, objektif serta berdasarkan reports that are complete, objective, and based on a
analisis yang cermat dan tidak memihak; careful and impartial analysis;
4. Bebas dari pertentangan kepentingan (conflict of 4. Be free from conflict of interest on an object or activity
interest) atas objek atau kegiatan yang diperiksa. that is being examined.
LARANGAN PERANGKAPAN TUGAS PROHIBITION OF CONCURRENT POSITIONS
Untuk menjaga independensi dan objektivitasnya, maka In order to maintain its independence and objectivity,
auditor dilarang: auditors are prohibited from:
1. Merangkap jabatan lain yang berkaitan dengan kegiatan 1. Concurrently having other positions that are related
operasional Bank; the Bank’s operational activities;
2. Melaksanakan tugas-tugas yang berhubungan secara 2. Carrying out duties that are directly or indirectly related
langsung atau tidak langsung dengan unit kerja yang to the work units that are the objects of an audit.
merupakan objek audit.
KUALIFIKASI ATAU SERTIFIKASI PROFESI AUDIT INTERNAL AUDIT PROFESSIONAL QUALIFICAITON
INTERNAL OR CERTIFICATION
Untuk memastikan profesionalisme dari petugas di Satuan To ensure the professionalism of the officers in the Internal
Kerja Audit Internal (SKAI), baik Kepala SKAI maupun Audit Unit (SKAI), both the head of the SKAI and all of the
seluruh anggota SKAI yang ada telah memiliki pengetahuan existing members of the SKAI have adequate knowledge
yang memadai melalui sertifikasi Manajemen Risiko dan through Risk Management certification and professional
Sertifikasi Profesi serta bentuk pelatihan lain baik Internal certification and through other forms of training, both
maupun Eksternal. internal and external.
Rekapitulasi jumlah karyawan Audit Internal Perseroan The recapitulation of the Company’s Internal Audit
yang memiliki sertifikasi adalah sebagai berikut: employees with certifications are as follows:
Jenis Sertifikasi Jumlah Personil Tersertifikasi
No
Certification Type Number of Certified Personnel
1. Sertifikasi Manajemen Risiko Level 3 1
Risk Management Level 3 Certification
2. Sertifikasi Manajemen Risiko Level 2 2
Risk Management Level 2 Certification
3. Sertifikasi Internal Audit Level Supervisor 2
Supervisor Leve Internal Audit Certification
4 Sertifikasi Internal Audit Level Auditor 3
Auditor Level Internal Audit Certification
5 Sertifikasi Manajemen Risiko Level 1 4
Risk Management Level 1 Certification
230 Laporan Tahunan 2023 Annual Report
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Pelatihan dan/atau Peningkatan Kompetensi yang Diikuti Tahun 2023
Training and/or Competency Improvement to be followed in 2023
Jabatan Program yang Diikuti Penyelenggara Waktu dan Tempat
Posisition Participated Program Organizer Time and Place
Kepala SKAI Mengelola Risiko Bank, Three Lines of Defense LPPI September 2023, Jakarta
SKAI Division Head Managing the Bank’s Risk, Three Lies of Defense Jakarta, September 2023
Leadership
Staff SKAI Sosialisasi Pemeriksaan LHPK (Refreshment) Bank Indonesia (BI) November 2023, Bali
SKAI Staff Dissemination on LHPK Inspection Bali, Novermber 2023
Staff SKAI MS Excel for Advance Mahaka Institute Februari 2023, Jakarta
SKAI Staff Jakarta, February 2023
Staff SKAI Understanding Financial Disstress Predictif, Analysis to Mitigate Risk Kovida Executive Agustus 2023, Jakarta
SKAI Staff Education Program Jakarta, August 2023
Staff SKAI Managing Reputation Risk of Bank Kovida Executive Agustus 2023, Jakarta
SKAI Staff Education Program Jakarta, August 2023
Staff SKAI Webinar Waspada Modus Penipuan Gaya Baru OJK Institute Agustus 2023, Jakarta
SKAI Staff Webinar on Keeping High Alert Against New Methods of Frauds Jakarta, August 2023
Staff SKAI Peluang dan Tantangan Fintech P2P Lending di Era P2SK OJK Institute Agustus 2023, Jakarta
SKAI Staff Fintech P2P Lending Opportunities and Challenges in the P2SK Era Jakarta, August 2023
Staff SKAI Pemanfaatan Internet of Things (IOT) di Industri Jasa keuangan OJK Institute September 2023, Jakarta
SKAI Staff Utilising Internet of Things (IOT) in the Financial Services Industry Jakarta, September 2023
Staff SKAI Mengenal Lebih Jauh Pengaturan UU P2SK dalam Rangka Penguatan OJK Institute November 2023, Jakarta
SKAI Staff Literasi, Inklusi dan Perlindungan Konsumen Konfirmasi Jakarta, November 2023
A Further Look at the P2P Laws for the Strengthening of Literacy,
Inclusion, and Protection of Consumer Confirmation
PENILAIAN LEMBAGA INDEPENDEN INDEPENDENT ASSESSMENT
Sesuai dengan Peraturan Otoritas Jasa Keuangan Nomor 1/ Following the Financial Services Authority Regulations
POJK.03/2019, tanggal 29 Januari 2019 tentang Penerapan Number 1/POJK.03/2019, dated January 29th, 2019 regarding
Fungsi Audit Intern pada Bank Umum dan Peraturan Otoritas the Implementation of the Internal Audit Function in
Jasa Keuangan Nomor 11/POJK.03/2022 tanggal 6 Juli 2022 Commercial Banks and the Financial Services Authority
tentang Penyelenggaraan Teknologi Informasi oleh Bank Regulations Number 11/POJK.03/2022 dated July 6th, 2022
Umum, bahwa Bank wajib melakukan kaji ulang terhadap regarding the Use of Information technology by Commercial
fungsi audit intern atas penggunaan Teknologi Informasi. Banks, Banks are required to review the internal audit
function on the use of Information Technology.
Dalam memenuhi kewajiban kaji ulang sebagaimana peraturan In fulfilling the review obligations as referred to in the
dimaksud, PT Bank Oke Indonesia, Tbk. telah melakukan aforementioned Regulations, PT Bank Oke Indonesia, Tbk.
kaji ulang 3 tahunan secara berkala, dimana kaji ulang has conducted periodical 3-year reviews, the latest review
terakhir telah dilaksanakan pada bulan Juli 2022 oleh KAP of which was held in July 2022 by KAP Husni, Wibawa and
Husni,Wibawa dan Rekan (Laporan Nomor LPD/25/BTW/22017 Partners (Report Number LPD/25/BTW/22017 dated August
Tanggal 25 Agustus 2022, perihal: Laporan Hasil Review Fungsi 25th, 2022, regarding: Report on the Results of the Bank’s
Satuan Kerja Audit Intern Bank dan Penggunaan Teknologi Function of the Internal Audit Unit and Use of Information
Informasi untuk Periode tahun 2019-2022, sebagaimana telah Technology for the 2019-2022 Period, as submitted to the
disampaikan kepada OJK Pengawas Bank. OJK Bank Supervisor.
LAPORAN PELAKSANAAN TUGAS SKAI SKAI TASK IMPLEMENTATION REPORT
Selama tahun 2023, SKAI telah merealisasikan seluruh During 2023, the SKAI has realized the entire 2023 Audit
Rencana Audit 2023. Pemeriksaan dilakukan dengan Plan. The inspection was conducted using a mixture of
menggunakan kombinasi metode onsite dan offsite onsite and offsite methods of audit. The results of the
audit. Hasil audit yang ada telah dikomunikasikan dengan existing audits have been communicated with all the
seluruh pihak terkait untuk dapat dilakukan upaya-upaya related parties so that the efforts for improvements/follow-
perbaikan/tindak lanjut sesuai dengan target date yang ups are in accordance with the predetermined target date
telah ditetapkan dan pemenuhan tindak lanjut tersebut and the fulfillment of these followups will be monitored by
akan senantiasa dipantau oleh SKAI. SKAI.
PT BANK OKE INDONESIA Tbk 231
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Tata Kelola Perusahaan
Corporate Governance
Penerapan Fungsi Kepatuhan
Implementation of Compliance Function
Dengan berpedoman pada Peraturan Otoritas Jasa By referring to the Financial Services Authority Regulation
Keuangan Nomor 46/POJK.03/2017 tentang Pelaksanaan Number 46/POJK.03/2017 regarding the Implementation
Fungsi Kepatuhan Bank Umum, OK BANK senantiasa of the Compliance Function of Commercial Banks, OK
melakukan pengelolaan risiko kepatuhan serta memastikan BANK always manages compliance risks and ensures
terlaksananya budaya kepatuhan dalam kegiatan aktivitas the implementation of the compliance culture in the
Bank melalui berbagai cara. Fungsi Kepatuhan Bank Umum bank’s activity through various means. The Compliance
yaitu mengelola langkah-langkah yang bersifat ex-ante Function of Commercial Banks is to manage preventative
(preventif) untuk memastikan bahwa kebijakan, ketentuan, steps to ensure that the policies, provisions, systems
sistem dan prosedur, serta kegiatan usaha yang dilakukan and procedures, as well as business activities done by
oleh Bank telah sesuai dengan ketentuan Regulator dan the Bank follow the provisions of the Regulators and
peraturan perundang-undangan yang berlaku, serta applicable laws and regulations, and to ensure the bank’s
memastikan kepatuhan Bank terhadap komitmen yang compliance towards the commitments made by the bank
dibuat oleh bank kepada Otoritas Jasa Keuangan dan/atau to the Financial Services Authority and/or other competent
otoritas pengawas lain yang berwenang (regulator). supervisory authorities (regulators).
OK Bank telah memiliki Fungsi Kepatuhan dengan tugas umum
mengelola langkah-langkah yang bersifat ex-ante (preventif)
untuk memastikan bahwa kebijakan, ketentuan, sistem dan
prosedur, serta kegiatan usaha yang dilakukan oleh Bank telah
sesuai dengan ketentuan Regulator dan peraturan perundang-
undangan yang berlaku, serta memastikan kepatuhan Bank
terhadap komitmen yang dibuat oleh bank kepada Otoritas Jasa
Keuangan dan/atau otoritas pengawas lain yang berwenang
(regulator).
Untuk menjalankan fungsi tersebut, Bank menunjuk salah satu
anggota Direksi sebagai Direktur yang membawahkan fungsi
kepatuhan, dengan didukung Divisi Compliance.
OK The Bank has a Compliance Function with the general task of managing ex-ante
(preventive) measures to ensure that policies, provisions, systems and procedures, as
well as business activities carried out by the Bank are in accordance with the provisions of
the Regulator and applicable laws and regulations, as well as ensuring bank compliance
with commitments made by the bank to the Financial Services Authority and / or other
authorized supervisory authorities (regulators).
To carry out this function, the Bank appoints one member of the Board of Directors as
Director in charge of the compliance function, supported by the Compliance Division.
232 Laporan Tahunan 2023 Annual Report
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OK Bank telah menunjuk salah satu anggota Direksi sebagai OK Bank has appointed one of the members of the Board
Direktur yang membawahkan fungsi kepatuhan. Dan untuk of Directors as the Director in charge of the compliance
membantu tugas Direktur yang membawahkan fungsi function. And to assist with the duties of the Director in
kepatuhan, Bank telah membentuk Divisi Compliance yang charge of the compliance function, the Bank has formed a
independen dan bebas dari pengaruh satuan kerja lainnya. Compliance Division that is independent and free from the
influences of other work units.
Divisi Compliance juga bertanggung jawab atas ketentuan The Compliance Division is also responsible for the
Penerapan Program Anti Pencucian Uang dan Pencegahan provisions of the Implementation of the Anti-Money
Pendanaan Terorisme (APU&PPT). Untuk memastikan Laundering and Counter-Terrorism Financing (APU&PPT)
pelaksanaan fungsi kepatuhan di Bank, Direksi dan Dewan Program. To ensure the implementation of the compliance
Komisaris telah melaksanakan pengawasan secara aktif function in the Bank, the Board of Directors and the Board
dalam bentuk antara lain persetujuan atas kebijakan dan of Commissioners have carried out an active supervision
prosedur dan pelaporan secara periodik. in the form of, among others, approvals of policies and
procedures and periodical reporting.
Satuan Kerja Kepatuhan melaksanakan fungsi kepatuhan The Compliance Unit carries out the Bank’s compliance
Bank meliputi tindakan untuk: function including the actions to:
1. Mewujudkan terlaksananya budaya kepatuhan pada 1. Realize the implementation of compliance culture on all
semua tingkatan organisasi dan kegiatan usaha Bank; organizational levels and business activities of the Bank;
2. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank; 2. Manage the Compliance Risk faced by the Bank
3. Memastikan agar kebijakan, ketentuan, sistem dan 3. Ensure that the policies, provisions, systems and
prosedur serta kegiatan usaha yang dilakukan oleh Bank procedures and business activities carried put by the
telah sesuai dengan ketentuan Otoritas Jasa Keuangan, Bank are in accordance with the provisions of the
Bank Indonesia dan peraturan perundang-undangan Financial Services Authority, Bank Indonesia, and the
yang berlaku; applicable laws and regulations;
4. Memastikan kepatuhan Perseroan terhadap komitmen 4. Ensure the Company’s compliance with the
yang dibuat oleh Bank kepada Otoritas Jasa Keuangan, commitments made by the Bank to the Financial
Bank Indonesia dan Otoritas Pengawas lain; Services Authority, Bank Indonesia and other
Supervisory Authorities;
5. Memastikan seluruh permintaan data dan atau informasi 5. Ensure that all demands on data and/or information
dari Otoritas Jasa Keuangan atau regulator telah from the Financial Services Authority or regulators have
ditindaklanjuti dan disampaikan secara tepat waktu. been followed up and submitted in a timely manner.
AKTIVITAS KEPATUHAN TAHUN 2023 2023 COMPLIANCE ACTIVITY
1. Melakukan kaji ulang kebijakan dan prosedur yang 1. Conducting reviews on existing policies and procedures
sudah ada serta kebijakan dan prosedur baru sebanyak along with 40 reviews of new policies and procedures
40 kaji ulang kebijakan dan prosedur sebagai berikut: as follows:
• Kebijakan dan Prosedur Kegiatan Literasi dan Inklusi • Policy and Procedure for Financial Literacy and
Keuangan Inclusion Activity
• Kebijakan dan Prosedur Customer Care • Costumer Care Policy and Procedure
• Kebijakan dan Prosedur BI RTGS Ver 1.5 • Policy and Procedure of BI RTGS Version 1.5
• Kebijakan dan Prosedur Informasi Data Nasabah • Policy and Procedure of Customer Data Information
(CIF) Ver 1.6 Version (CIF) 1.6
• Kebijakan dan Prosedur Bancassurance • Bancassurance Policy and Procedure
• Kebijakan dan Prosedur Mailingroom Management • Policy and Procedure for Mailingroom Management
Ver 1.0 Version 1.0
• Kebijakan dan Prosedur Pengelolaan CCTV Ver 1.2 • Policy and Procedure for CCTV management
Version 1.2
• Kebijakan dan Prosedur APU, PPT dan PPSPM Ver • Policy and Procedure for APU, PPT, and PPSM
2.0 Version 2.0
• Kebijakan dan Prosedur Fraud Detection System • Fraud Detection System Policy and Procedure
• Kebijakan dan Prosedur Komite IT • Policy and Procedure on the IT Committee
• Kebijakan dan Prosedur Kredit Monitoring • Policy and Procedure for Credit Monitoring
PT BANK OKE INDONESIA Tbk 233
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Tata Kelola Perusahaan
Corporate Governance
• Kebijakan dan Prosedur Nasabah Berkebutuhan • Policy and Procedure for Customers with Special
Khusus Needs
• Kebijakan dan Prosedur Analisis Transaksi Keuangan • Policy and Procedure for Financial Transaction
dan Sistem Informasi Manajemen Anti Pencucian Analysis and Information Management System for
Uang dan Pencegahan Pendanaan Terorisme the Anti-Money Laundering and Counter-Terrorism
Financing
• Kebijakan dan Prosedur Rekrutmen Pegawai • Employee Recruitment Policy and Procedure
• Kebijakan dan Prosedur BI RTGS • Policy and Procedure of BI RTGS
• Kebijakan dan Prosedur BI-Fast • Policy and Procedure of BI-Fast
• Kebijakan Rencana Pendanaan Darurat Ver 1.2 • Emergency Funds Plan Policy Version 1.2
• Kebijakan Perkreditan Ver 1.3 • Credits Policy Version 1.3
• Kebijakan Dividen Ver 1.0 • Dividends’ Policy Version 1.0
• Kebijakan Pengamanan Ver 1.2 • Safekeeping policy Version 1.2
• Prosedur Risiko Kredit Ver 1.4 • Credit Risk Procedures Version 1.4
• Prosedur Risiko Likuiditas dan Risiko Pasar • Procedure on Liquidity Risk and Market Risk
• Prosedur Perpajakan • Taxation Procedure
• Prosedur Kerja Sama dengan Loan Agency Retail • Cooperation Procedure with Retail Loan Agency
Ver 1.1 Version 1.1
• Prosedur Perhitungan dan Pelaporan KPMM • Procedure for KPMM Calculation and Reporting
• Prosedur Disaster Recovery Plan • Disaster Recovery Plan Procedure
• Prosedur Kerja ATM Operasional Ver 1.2 • Working Procedures on Operational ATM Version 1.2
• Prosedur Sistem Informasi Management dan • Management Information System and Financial
Analisa Transaksi Keuangan (SIM - ATK) Ver 2.0 Transaction Analysis (SIM-ATK) Procedure Version 2.0
• Prosedur Manajemen Super User • Procedure for Super User Management
• Prosedur Aktivitas Anomali • Procedure for Anomaly Activities
• Prosedur Pengelolaan Kredit Bermasalah • Problem Credit Management Procedure
• Prosedur Kinerja Vendor • Vendor Performance Procedure
• Prosedur Pengelolaan Firewall • Procedure for Firewall Management
• Prosedur Pengadaan Perangkat Lunak • Procedure for Software Procurement
• Prosedur Tata Kelola Teknologi Informasi versi 1.3 • Information Technology Governance Procedure
Version 1.3
• Prosedur Single Customer View Lembaga Penjamin • Indonesia Deposit Insurance Corporation Single
Simpanan (SCV LPS) Customer View (SCV LPS Procedure)
• Prosedur Manajemen Perubahan • Procedure for Change Management
• Prosedur Analisis Dampak Bisnis (BIA) • Business Impact Analysis (BIA) Procedure
• Pedoman Replenishment ATM dan Pedoman • ATM Replenishment Guideline and ATM Operational
Operasional ATM Guideline
• Petunjuk Teknis Proses Kredit dan Penyimpanan • Techniclal Guidelines for Credit Processing and
Dokumen Produk Kredit Tanpa Agunan Retail Bisnis Storage for Documents of Credit Products Without
Business Retail Collateral
2. Melakukan pengiriman pemenuhan komitmen hasil 2. Sending the fulfillment of commitments to the results
pemeriksaan Otoritas Jasa Keuangan posisi Agustus of the Inspection by the Financial Services Authority for
2022 dan posisi Juni 2023 kepada Pengawas OJK. the positions of August 2022 and June 2023 to the OJK
Supervisor.
3. Memantau peraturan-peraturan baru dan melakukan 3. Monitoring new regulations and carrying out
diseminasi peraturan OJK/BI khususnya yang berdampak dissemination on OJK/BI regulations, particularly
kepada kegiatan usaha Bank kepada seluruh Karyawan those with an impact on the Bank’s business activities
dan Direksi sebanyak 46 Diseminasi. towards all Employees and Board of Directors, as many
as 46 Dissemination.
234 Laporan Tahunan 2023 Annual Report
Page 237
4. Divisi Kepatuhan telah menyelesaikan pembuatan 4. The Compliance Division has completed the preparation
Internal Memo penunjukan petugas dan penanggung of the Internal Memo on the appointment of Staff
jawab untuk menyusun dan menyampaikan Laporan and Officers in Charge of preparing and submitting
dan/atau koreksi Laporan Ultra Mikro (UMi) sesuai reports and/or correctio of Ultra Micro (UMi) Reports
dengan Peraturan Bank Indonesia Nomor 11 Tahun 2023 in accordance with the Bank Indonesia Regulation
tentang Kebijakan Insentif Likuiditas Makroprudensial Number 11 of 2023 regarding the Macro-prudential
dan Peraturan Anggota Dewan Gubernur Nomor 11 Liquidity Incentive Policy and the Member Regulation
Tahun 2023 tentang Pelaksanaan Kebijakan Insentif of the Board of Governors Number 11 of 2023 regarding
Likuiditas Makroprudensial. the Implementation of the Macro-prudential Liquidity
Incentive Policy.
5. Divisi Kepatuhan telah menyelesaikan permohonan 5. The Compliance Division has completed the request to
perubahan nama petugas dan penanggung jawab the change of name of the staff and officer in charge
yang ditunjuk untuk menyusun dan menyampaikan who were appointed to prepare and submit the
Laporan Pembiayaan Inklusif sesuai dengan Peraturan Report of Inclusive Funding in accordance with the
Bank Indonesia Nomor 23/13/PBI/2021 Tahun 2021 Bank Indonesia Regulation Number 23/13/PBI/2021 of
sebagaimana telah diubah dengan Peraturan Bank 2021 as was altered by the Bank Indonesia Regulation
Indonesia Nomor 24/3/PBI/2022 Tahun 2022 tentang Number 24/3/PBI 2022 of 2022 regarding the Alteration
Perubahan atas Peraturan Bank Indonesia Nomor on Bank Indonesia Regulation Number 23/13/PBI/2021
23/13/PBI/2021 tentang Rasio Pembiayaan Inklusif regarding Macro-prudential Inclusive Funding Ratio for
Makroprudensial bagi Bank Umum Konvensional, Bank Conventional Commercial Banks, Public Sharia Banks,
Umum Syariah, dan Unit Usaha Syariah dan Peraturan and Sharia Business Unit and the Member Regulation
Anggota Dewan Gubernur Nomor 24/6/PADG/2022 of the Board of Governors Number 24/6/PADG/2022 of
Tahun 2022 tentang Peraturan Pelaksanaan Rasio 2022 regarding Implementation Regulation of Macro-
Pembiayaan Inklusif Makroprudensial bagi Bank Umum prudential Inclusive Funding Ratio for Conventional
Konvensional, Bank Umum Syariah dan Unit Usaha Commercial Banks, Public Sharia Banks, and Sharia
Syariah (PADG RPIM). Business Unit (PADG RPIM)
6. Divisi Kepatuhan telah menyelesaikan pembuatan 6. The compliance Division has completed the preparation
Internal Memo penunjukan Pejabat & Pejabat Pengganti of an Internal Memo on the Appointment of Officials
UKK APU-PPT dan Penunjukan Petugas Pelaksana & and Substitute Officials of the UKK APU-PPT and
Pejabat Pengguna AML System Kantor Cabang Bandung the Appointment of the Executive Officer and AML
sebagai Kantor Cabang Baru sesuai dengan Peraturan System User Official of the Bandung Branch Office as
Otoritas Jasa Keuangan Nomor 8 Tahun 2023 tentang the New Branch Office following the POJK Number 8
Penerapan Program Anti Pencucian Uang, Pencegahan of 2023 regarding the Anti-Money Laundering Program,
Pendanaan Terorisme dan Pencegahan Pendanaan Counter-Terrorism Financing and Prevention of Funding
Proliferasi Senjata Pemusnah Massal Di Sektor Jasa of the Proliferation of Weapons of Mass Destruction in
Keuangan. the Financial Services Sector.
7. Divisi Kepatuhan juga memberikan saran terkait Internal 7. The Compliance Division has also given suggestions
Memo yang dikeluarkan oleh Divisi lain sebanyak 98 related to the Internal Memo issued by other Divisions,
saran. as much as 98 suggestions.
INDIKATOR KEPATUHAN TAHUN 2023 2023 COMPLIANCE INDICATORS
• Rasio Kewajiban Penyediaan Modal Minimum • The Minimum Capital Adequacy Ratio (KPMM) covering
(KPMM) mencakup risiko kredit, risiko pasar dan the credit risk, market risk, and operational risk is at
risiko operasional adalah 49,22% berada jauh di atas 49,22% which is far above the OJK regulations (KPMM
ketentuan OJK (KPMM berdasarkan profil risiko PT Bank based on the risk profile of PT Bank Oke Indonesia,
Oke Indonesia, Tbk. yaitu peringkat 2). which is ranked at number 2).
• Rasio NPL Gross posisi per 31 Desember 2023 adalah • The Gross NPL ratio for the position as of December
3,80% dan NPL Net adalah 2,30%, berada dalam 31st, 2023 was 3,80% and the NPL Net was 2,30%,
batas yang diperkenankan ketentuan Bank Indonesia which is within the limits permitted by Bank Indonesia
maksimal sebesar 5%. regulations for a maximum of 5%.
• Tidak ada pelampauan maupun pelanggaran • There are no exceeding nor violation of the Maximum
Batas Maksimum Pemberian Kredit (BMPK) dalam Lending Limit in Lending at PT Bank Oke Indonesia, Tbk.
pemberian kredit di PT Bank Oke Indonesia, Tbk. baik both to customers and to related parties.
kepada nasabah maupun kepada pihak terkait. dalam
pemberian kredit di PT Bank Oke Indonesia, Tbk. baik
kepada nasabah maupun kepada pihak terkait.
PT BANK OKE INDONESIA Tbk 235
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Tata Kelola Perusahaan
Corporate Governance
• Pemenuhan Giro Wajib Minimum (GWM) dan • The compliance with the Statutory Reserves (GWM)
Penyangga Likuiditas Makroprudensial (PLM) di atas and Macroprudential Liquidity Buffer (PLM) exceeds
ketentuan regulator. regulatory requirements.
• Komitmen terhadap OJK, Bank Indonesia dan • Commitments to the OJK, Bank Indonesia, and other
regulator lainnya telah dipenuhi dengan baik. regulators have been well fulfilled.
AKTIVITAS PENERAPAN APU&PPT YANG ACTIVITIES OF ANTI-MONEY LAUNDERING AND
DILAKUKAN SELAMA TAHUN 2023 COUNTER-TERRORISM FINANCING (AML/CFT)
IMPLEMENTATION DURING 2023
1. Pemenuhan pengkinian data nasabah sampai dengan 1. Completion of customer data updates as of the end
akhir Desember 2023 sebanyak 1.650 CIF dari total of December 2023, amounting to 1,650 Customer
target 1.650 CIF (100%). Information Files (CIF) from a total target of 1,650 CIF
(100%).
2. Telah mengeluarkan Internal Memo sebanyak 130 2. A total of 130 Internal Memos have been issued.
Internal Memo.
3. Selama tahun 2023 OK BANK telah menyampaikan 3. Throughout 2023, OK BANK has fulfilled its obligations
kewajiban-kewajiban pelaporan transaksi keuangan to report financial transactions to PPATK.
kepada PPATK.
Sosialisasi Program APU-PPT ke seluruh kantor cabang, Socialization of the AML/CFT Program to all branch offices,
Training APU-PPT, AML Forum APU-PPT selama 2023 AML/CFT Training, AML/CFT Forums during 2023 along with
beserta waktu pelaksanaannya sebagai berikut: their implementation times are as follows:
Bulan Internal
Month Internal
Maret Induction Training APU PPT Batch XVIII
March Sosialisasi ke Cabang terkait IM Peringatan Kepala PPATK Terkait Implementasi Pencegahan dan Pemberantasan Tindak Pidana
Pencucian Uang oleh Bank Umum
Induction Training APU PPT Batch XVIII
Socialization to Branches regarding the Internal Memo of Warning from the Head of PPATK on the Implementation of Prevention
and Eradication of Money Laundering Crimes by Commercial Banks
April Sosialisasi kepada Pegawai Kantor Cabang terkait IM Kepatuhan APU PPT Perusahaan/Rekanan yang Menunjang Kegiatan PT Oke
April Bank Indonesia Tbk
Socialization to Branch Office Employees regarding the Internal Memo on AML CFT Compliance of Companies/Partners Supporting
the Activities of PT Oke Bank Indonesia Tbk
Juni Induction Training APU PPT Batch XIX
June Induction Training APU PPT Batch XIX
Juli AML-CFT Training for Back Office Denpasar Branch
July AML-CFT Training for Talent Development Program (TDP) Batch 3
AML-CFT Training for Back Office Denpasar Branch
AML-CFT Training for Talent Development Program (TDP) Batch 3
Agustus On the Job Training for (TDP) Batch 3
August Refreshment APU PPT KC Surabaya
On the Job Training for (TDP) Batch 3
Refreshment APU PPT KC Surabaya
September AML Forum – AML Issue
September Induction Training APU PPT Batch XX
AML & Compliance Testing and Refreshment Training AML CFT untuk KC Bandung
AML Forum – AML Issue
Induction Training for AML CFT Batch XX
AML & Compliance Testing and Refreshment Training for AML CFT for Bandung Branch Office
Oktober AML & Compliance Testing and Refreshment Training AML CFT untuk KC Surabaya, Denpasar, dan Semarang
October AML & Compliance Testing and Refreshment Training for AML CFT for the Surabaya, Denpasar, and Semarang Branch Offices
November Refreshment Training APU, PPT, dan PPPSPM untuk seluruh Kantor Cabang dan Kantor Cabang Pembantu di Jakarta
November Refreshment Training on AML, CFT, and PPPSPM for all Branch and Sub-branch Offices in Jakarta
Desember Sosialisasi pembukaan Rekening Khusus Dana Kampanye (RKDK)
December Socialization on the Opening of Special Campaign Fund Accounts (RKDK)
236 Laporan Tahunan 2023 Annual Report
Page 239
Bulan Eksternal
Month External
Maret Program Mentoring Berbasis Risiko TPPU dan TPPT pada Korporasi dan NPO/Ormas disalahgunakan sebagai Sarana Pendanaan
March Terorisme Tahun 2023 secara Online yang diselenggarakan oleh PPATK
Risk-Based Mentoring Program on Money Laundering and Counter-Terrorism Financing in Corporations and NPOs/NGOs Misused
as Terrorism Financing Channels in 2023, conducted Online by PPATK
April Asosiasi Analis Transaksi Keuangan Indonesia (AATKI) - "Seminar Gerakan Nasional 21 Tahun Rezim APUPPT : Peran Strategi Profesi
April Analis Transaksi Keuangan dalam Mengungkap Kejahatan Keuangan Berisiko Tinggi"
OJK - Webinar “Anti Money Laundering in Digital Era: Lesson Learned form Selected Countries”
PPATK - Pelatihan Identifikasi Risiko TPPT Bagi Pihak Pelapor
Indonesian Financial Transaction Analysts Association (AATKI) - "National Movement Seminar 21 Years of AML/CFT Regime: The
Strategic Role of Financial Transaction Analyst Profession in Uncovering High-Risk Financial Crimes"
OJK - Webinar “Anti Money Laundering in the Digital Era: Lesson Learned from Selected Countries”
PPATK - Training on Counter-Terrorism Financing Risk Identification for Reporting Parties
Mei OJK - Webinar “Pemahaman risiko Tindak Pidana Pendanaan Terorisme, OJK bekerja sama dengan United Nations Office on Drugs
May and Crime (UNODC) Indonesia”
FKDKP WEBINAR: " Meningkatkan Kolaborasi Perbankan dalam Rangka Pencegahan dan Pemberantasan Tindak Pidana Pencucian
Uang dalam Penyelenggaraan Pemilihan Umum (PEMILU) dan Pemilihan Kepala Daerah (PILKADA) yang Berintegritas dan
Akuntabel"
OJK - Webinar “Understanding the Risks of Terrorism Financing Crimes, OJK collaborates with the United Nations Office on Drugs
and Crime (UNODC) Indonesia”
FKDKP WEBINAR: "Enhancing Banking Collaboration in the Prevention and Eradication of Money Laundering Crimes in the Conduct
of General Elections (PEMILU) and Local Head Elections (PILKADA) with Integrity and Accountability"
Juli OJK Webinar Sosialisasi POJK Nomor 8 Tahun 2023 tentang Penerapan Program APU PPT dan PPPSPM di Sektor Jasa Keuangan
July OJK Webinar on the Socialization of OJK Regulation Number 8 of 2023 on the Implementation of AML CFT and PPPSPM Programs
in the Financial Services Sector
Agustus OJK Webinar “Waspada Modus Penipuan Gaya Baru”
August OJK Sosialisasi Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, dan Pencegahan Pendanaan
Proliferasi Senjata Pemusnah Massal (APU PPT dan PPPSPM) dan Pengembangan Sistem Informasi Program APU PPT (SIGAP)
OJK Webinar "Beware of New Fraud Modes"
OJK Socialization on the Implementation of Anti-Money Laundering, Counter-Terrorism Financing, and Prevention of Proliferation
Financing for Weapons of Mass Destruction Programs (AML CFT and PPPSPM) and the Development of AML CFT Program
Information System (SIGAP)
Oktober PPATK – Penguatan Kerangka Hukum Terkait Pencegahan dan Pemberantasan Pendanaan Proliferasi Senjata Pemusnah Massal
October KPU – Penyampaian Substansi Regulasi tentang Dana Kampanye Pemilihan Umum Serentak Tahun 2024 dengan PPATK, OJK dan
Perbankan
PPATK – Strengthening the Legal Framework Related to the Prevention and Eradication of Proliferation Financing for Weapons
of Mass Destruction
KPU – Presentation of Regulatory Substance on Campaign Funds for the 2024 Simultaneous General Elections with PPATK, OJK,
and Banking Institutions
November PPATK dan AATKI (Asosiasi Analis Transaksi Keuangan Indonesia) – Global Money Laundering & Asset Recovery: an Update
November PPATK and AATKI (Indonesian Financial Transaction Analysts Association) – Global Money Laundering & Asset Recovery: An
Update
Desember OJK – Sosialisasi Penyusunan Penilaian Risiko Sektoral TPPU/TPPT/TPPSPM di Sektor Jasa Keuangan tahun 2023
December PPATK – Securing Hasil Tindak Pidana Lalu Lintas Batas Negara Melalui Implementasi Regulasi Mengenai Penundaan, Penghentian
dan Pemblokiran Transaksi
OJK – Socialization of Sectoral Risk Assessment Preparation for Money Laundering/Terrorism Financing/Proliferation of Weapons
of Mass Destruction Financing in the Financial Services Sector in 2023
PPATK – Securing the Results of Cross-Border Crime Through the Implementation of Regulations on Delaying, Stopping, and
Blocking Transactions
4. Melaporkan data nasabah baru kepada PPATK melalui 4. Reporting new customer data to PPATK via SIPESAT.
SIPESAT.
5. Mengikutkan pejabat dan staf Unit Kerja Khusus 5. Involving officials and staff of the Special Work Unit
Penerapan APU&PPT dalam pelatihan dan seminar for AML/CFT Implementation in training and seminars
yang diselenggarakan oleh PPATK, FKDKP, OJK, dan organized by PPATK, FKDKP, OJK, and other Regulators.
Regulator lainnya.
6. Divisi Kepatuhan selalu melakukan pembaruan daftar 6. The Compliance Division continuously updates the
name screening pada INOAN dan melalukan update name screening list in INOAN and updates the watchlist
watchlist (OFAC List, UN List, PEP List, DTTOT List, dan (OFAC list, UN List, PEP List, DTTOT List, and SIPENDAR)
SIPENDAR) pada AML System. Selain itu, telah dilakukan in the AML System. Additionally, PEP Monitoring has
Monitoring PEP secara berkala terhadap nasabah baru been regularly conducted for new customers based on
berdasarkan informasi pada Aplikasi Politically Exposed information in the PPATK’s Politically Exposed Persons
Persons (PEP) milik PPATK. (PEP) Application.
PT BANK OKE INDONESIA Tbk 237
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Tata Kelola Perusahaan
Corporate Governance
7. Selama tahun 2023, Bank berperan aktif dalam kegiatan 7. Throughout 2023, the Bank actively participated in
yang diselenggarakan oleh regulator, antara lain: activities organized by regulators, including:
a. PPATK: Rapat Koordinasi Tahunan PPATK 2023 pada a. PPATK: PPATK Annual Coordination Meeting 2023
tanggal 19 Januari 2023. on January 19, 2023.
b. PPATK: Rapat Koordinasi terkait rencana b. PPATK: Coordination Meeting regarding the
implementasi aplikasi goAML versi 5.2 pada tanggal implementation plan for goAML application version
9 Februari 2023 5.2 on February 9, 2023.
c. PPATK: Rapat Koordinasi Evaluasi penyampaian c. PPATK: Coordination Meeting Evaluation of
data/informasi terkait Pemilihan Umum dan data/information submission related to General
Pemilihan Kepala Daerah melalui aplikasi goAML – Elections and Local Head Elections through goAML
12 Mei 2023. application - May 12, 2023.
d. PPATK: Persiapan Pertemuan Koordinasi d. PPATK: Preparation of Coordination Meeting for
pelaksanaan Tim Kerja Analisis Kolaboratif terkait the implementation of the Collaborative Analysis
Pemilihan Umum dan Pemilihan Kepala Daerah – 22 Work Team related to General Elections and Local
Mei 2023. Head Elections - May 22, 2023.
e. PPATK: Rapat pelaksanaan Tim Kerja Analisis e. PPATK: Meeting of the implementation of the
Kolaboratif terkait Pemilihan Umum dan Pemilihan Collaborative Analysis Work Team related to
Kepala Daerah – 23 Mei 2023 General Elections and Local Head Elections - May
23, 2023.
f. PPATK: Pertemuan Koordinasi terkait Penyampaian f. PPATK: Coordination Meeting related to the
data/informasi terkait Pemilihan Umum dan submission of data/information on General
Pemilihan Kepala Daerah melalui aplikasi goAML – Elections and Local Head Elections through the
5 Juni 2023. goAML application - June 5, 2023.
g. PPATK: AML Battle Competition – Diselenggarakan g. PPATK: AML Battle Competition - Organized by
oleh PPATK. PPATK.
h. FKDKP: Penyampaian data/informasi terkait h. FKDKP: Submission of data/information related to
Pemilihan Umum dan Pemilihan Kepala Daerah General Elections and Local Head Elections through
melalui aplikasi goAML – Koordinasi oleh FKDKP. the goAML application - Coordinated by FKDKP.
i. OJK: Penyampaian Tanggapan/Masukan atas i. OJK: Submission of Comments/Input on the
Rancangan Peraturan OJK tentang Penerapan Draft OJK Regulation on Anti-Money Laundering,
Program Anti Pencucian Uang, Pencegahan Counter-Terrorism Financing, and Prevention of
Pendanaan Terorisme, dan Pencegahan Pendanaan Proliferation of Weapons of Mass Destruction
Proliferasi Senjata Pemusnah Massal di Sektor Jasa Financing in the Financial Services Sector (RPOJK
Keuangan (RPOJK APU PPT dan PPPSPM di SJK) – AML CFT and PPPSPM in FSS) - Coordinated by
Koordinasi oleh Perbanas atas Surat OJK Perbanas in response to OJK’s letter.
j. PPATK: Peluncuran Penilaian FIR on ML/TF Tahun j. PPATK: Launch of FIR on ML/TF Assessment 2023 -
2023 – 13 Juli 2023; July 13, 2023;
k. PPATK: Undangan Pertemuan Koordinasi CAT - k. PPATK: Invitation to the CAT Coordination Meeting
evaluasi penyampaian PIKT indikator Pemilu-D – 11 - evaluation of PIKT indicator submission for
Agustus 2023; Elections-D - August 11, 2023;
l. PPATK: Indepth Interview FIR ML/TF 2023 – 16 l. PPATK: In-depth Interview FIR ML/TF 2023 - August
Agustus 2023; 16, 2023;
m. PPATK: Focus Group Discussion (FGD) CAT – 22 m. PPATK: Focus Group Discussion (FGD) CAT - August
Agustus 2023. 22, 2023.
n. PPATK: Undangan Menghadiri Diseminasi dan n. PPATK: Invitation to Attend Dissemination and
Pelatihan Program Pencegahan Pendanaan Training on Counter-Terrorism Financing and
Terorisme dan Pendanaan Proliferasi Senjata Proliferation Financing of Weapons of Mass
Pemusnah Massal Tahun 2023 secara Onsite – 29 Destruction Program 2023 Onsite - August 29, 2023;
Agustus 2023;
o. PPATK: Bimbingan Teknis – Training for Trainer o. PPATK: Technical Guidance - Training for
terkait Penerapan Program APU PPT PPSPM – 7 Trainer related to AML CFT PPPSPM Program
September 2023; Implementation - September 7, 2023;
238 Laporan Tahunan 2023 Annual Report
Page 241
p. OJK: Undangan Focus Group Discussion (FGD) p. OJK: Invitation to Focus Group Discussion (FGD) on
Penerapan Pencegahan Pendanaan Proliferasi the Implementation of Prevention of Proliferation
Senjata Pemusnah Massal (PPPSPM) dan Financing of Weapons of Mass Destruction
Pencegahan Pendanaan Terorisme (PPT) – 11 (PPPSPM) and Counter-Terrorism Financing (CFT) -
September 2023; September 11, 2023;
q. OJK: Rapat konsolidasi implementasi UU Nomor 11 q. OJK: Consolidation meeting for the implementation
tahun 2020 tentang Cipta Kerja terkait persyaratan of Law Number 11 of 2020 concerning Job Creation
dokumen pembukaan hubungan usaha atau related to the requirements for opening business or
rekening Perseroan Perorangan di Bank – 18 individual accounts at Banks - October 18, 2023;
Oktober 2023;
r. PPATK: Diseminasi hasil Indeks Efektivitas (IE) r. PPATK: Dissemination of the Effectiveness Index (IE)
Kinerja PPATK tahun 2023 – 1 November 2023; Results of PPATK’s Performance 2023 - November 1,
2023;
s. PPATK: Konfirmasi RKDK pada masing-masing Bank s. PPATK: Confirmation of RKDK at each Bank -
– 14 Desember 2023; December 14, 2023;
t. PPATK: Data pengguna jasa Safe Deposit Box (SDB) t. PPATK: Data on Safe Deposit Box (SDB) users and
dan data rekening dormant – 14 Desember 2023; dormant account data - December 14, 2023;
u. Penyampaian data/informasi terkait Pemilihan u. Submission of data/information related to General
Umum dan Pemilihan Kepala Daerah melalui kepada Elections and Local Head Elections to PPATK;
PPATK;
v. PPATK: Rapat Koordinasi CAT Pemilu: Konfirmasi v. PPATK: CAT Election Coordination Meeting:
RKDK Calon Presiden dan Wakil Presiden, Tim Confirmation of RKDK for Presidential and Vice
Kampanye Nasional, sert Tim Kampanye Daerah – Presidential Candidates, National Campaign Team,
21 Desember 2023; and Regional Campaign Team - December 21, 2023;
w. OJK: pengisian survei penyalahgunaan Penyedia w. OJK: completing a survey on the misuse of Financial
Jasa Keuangan dalam eksploitasi seksual anak di Service Providers in child sexual exploitation in
Indonesia – 22 Desember 2023. Indonesia - December 22, 2023.
8. AML & Compliance Testing terhadap 5 Kantor Cabang 8. AML & Compliance Testing for 5 Branch Offices (Jakarta,
(Jakarta, Bandung, Semarang, Surabaya, dan Bali). Bandung, Semarang, Surabaya, and Bali). The purpose of
Compliance Testing bertujuan untuk memastikan Compliance Testing is to ensure that account openings
pembukaan rekening di kantor cabang telah sesuai at branch offices comply with applicable procedures
dengan prosedur yang berlaku sekaligus sebagai wadah and to serve as a forum for questions and answers
tanya jawab antara pegawai cabang dengan UKK Pusat between branch employees and the Central Special
terkait dengan penerapan program APU PPT dan Work Unit regarding the implementation of the AML,
PPSPM. CFT, and PPPSPM programs.
9. Bank terus melakukan enhancement AML System yang 9. The bank continues to enhance the AML System
telah diimplementasikan sejak 24 Januari 2022 untuk implemented since January 24, 2022, to support the
mendukung efektivitas kewajiban monitoring dan effectiveness of monitoring obligations and reporting
pelaporan transaksi keuangan nasabah kepada PPATK. customer financial transactions to PPATK.
PT BANK OKE INDONESIA Tbk 239
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Tata Kelola Perusahaan
Corporate Governance
Audit Eksternal
External Audit
Dalam melaksanakan fungsinya, Satuan Kerja Audit In performing its function, the Internal Audit Unit always
Intern senantiasa melakukan komunikasi aktif dan kerja engages in active communication and cooperation with
sama dengan unit pengendalian internal Bank lainnya other internal control units of the Bank as well as External
serta Eksternal Auditor untuk mendukung pelaksanaan Auditors to support the provision of external audit services
pemberian jasa auditor ekstern kepada Bank. Pelaksanaan to the Bank. The implementation of these services is in
pemberian jasa tersebut sejalan dengan Peraturan line with Financial Services Authority Regulation Number
Otoritas Jasa Keuangan Nomor 37/ POJK.03/2019 jo Surat 37/POJK.03/2019 in conjunction with Financial Services
Edaran Otoritas Jasa Keuangan Nomor 9/SEOJK.03/2020 Authority Circular Letter Number 9/SEOJK.03/2020
tentang Transparansi dan Publikasi Laporan Bank Umum regarding Transparency and Publication of Conventional
Konvensional dan Peraturan Otoritas Jasa Keuangan Commercial Bank Reports and Financial Services Authority
Nomor 9 Tahun 2023 tentang Penggunaan Jasa Akuntan Regulation Number 9 of 2023 regarding the Use of Public
Publik dan Kantor Akuntan Publik dalam Kegiatan Jasa Accountant Services and Public Accounting Firms in
Keuangan jo Surat Edaran Otoritas Jasa Keuangan Nomor Financial Services Activities in conjunction with Financial
18/SEOJK.03/2023 tentang Tata Cara Penggunaan Jasa Services Authority Circular Letter Number 18/SEOJK.03/2023
Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan on the Procedures for Using Services of Public Accountants
Jasa Keuangan maka: and Public Accounting Firms in Financial Services Activities,
thus:
1. Laporan Keuangan Bank telah diaudit oleh Akuntan 1. The Bank’s Financial Statements have been audited
Publik yang independen, kompeten, profesional dan by an independent, competent, professional, and
objektif; objective Public Accountant;
2. Akuntan Publik yang ditunjuk oleh Bank untuk 2. The Public Accountant appointed by the Bank to
melakukan audit sesuai dengan standar profesional, conduct the audit complies with professional standards,
perjanjian kerja dan ruang lingkup audit; work agreements, and audit scope;
3. Sesuai keputusan RUPS Tahunan, penunjukan Kantor 3. As per the decision of the Annual General Meeting of
Akuntan Publik dilakukan oleh Dewan Komisaris dengan Shareholders (AGMS), the appointment of the Public
memperhatikan rekomendasi dari Komite Audit; Accounting Firm is made by the Board of Commissioners
taking into account the recommendation from the
Audit Committee;
4. Penunjukan Kantor Akuntan Publik dilakukan sesuai 4. The appointment of the Public Accounting Firm is carried
dengan ketentuan yang berlaku antara lain: out in accordance with applicable regulations, including:
a. Merupakan Kantor Akuntan Publik yang terdaftar di a. Being a Public Accounting Firm registered with the
Otoritas Jasa Keuangan; Financial Services Authority;
240 Laporan Tahunan 2023 Annual Report
Page 243
b. Akuntan Publik (AP) hanya bisa memberikan b. A Public Accountant (PA) can only provide audit
penggunaan jasa audit atas informasi keuangan services for annual historical financial information
historis tahunan dari AP yang sama untuk 7 (tujuh) from the same PA for 7 (seven) cumulative years
tahun kumulatif yang diakumulasi sejak tahun accumulated since the fiscal year 2017. A Public
buku 2017. Akuntan Publik hanya dapat digunakan Accountant can only be re-engaged for audit services
kembali jasa audit atas informasi keuangan historis on annual historical financial information from the
tahunan dari AP yang sama, setelah melewati masa same PA, after a cooling-off period in accordance
jeda sesuai dengan jenis peran AP dalam perikatan: with the type of PA role in the engagement:
- AP bertindak sebagai Rekan perikatan, masa - PA acting as the Engagement Partner, a cooling-
jeda selama 5 (lima) tahun buku pelaporan off period of 5 (five) consecutive fiscal years;
secara berturut-turut;
- AP bertindak sebagai penanggung jawab - PA acting as the person responsible for
penelaahan pengendalian mutu perikatan, engagement quality control review, a cooling-
masa jeda selama 3 (tiga) tahun buku pelaporan off period of 3 (three) consecutive fiscal years;
secara berturut-turut; dan and
- Rekan perikatan audit lainnya, masa jeda selama - Other audit engagement partners, a cooling-off
2 (dua) tahun buku pelaporan secara berturut- period of 2 (two) consecutive fiscal years.
turut.
Nama dan Tahun Kantor Akuntan Publik Serta Akuntan Publik 2020-2023
Name and Year of the Public Accounting Firm and Public Accountant 2020-2023
Nama Akuntan (Partner
Tahun Kantor Akuntan Publik Penanggung Jawab) Fee (Rp) Opini
Year Public Accountant Firm Accountant's Name Fee (IDR) Opinion
(Partner of the PIC)
2020 Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Ary Daniel Hartanto 258.500.000 Wajar
Rekan (include PPN) Normal
2021 Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Frendy Susanto 258.500.000 Wajar
Rekan (include PPN) Normal
2022 Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Frendy Susanto 266.400.000 Wajar
Rekan (PKF) (Include PPN) Normal
2023 Paul Hadiwinata, Hidajat, Arsono,Retno, Palilingan & Frendy Susanto 266.400.000 Wajar
Rekan (Include PPN) Normal
JASA AUDIT LAIN YANG DIBERIKAN OTHER AUDIT SERVICES PROVIDED
Selama tahun 2023, tidak ada jasa audit lain yang diberikan. During 2023, no other audit services were provided.
Nama Akuntan (Partner
Tahun Kantor Akuntan Publik Penanggung Jawab) Fee (Rp) Opini
Year Public Accountant Firm Accountant's Name (Partner of Fee (IDR) Opinion
the PIC)
- - - - -
PT BANK OKE INDONESIA Tbk 241
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Tata Kelola Perusahaan
Corporate Governance
Sistem Pengendalian Internal
Internal Control System
Penetapan sistem pengendalian internal (internal control) The establishment of an internal control system in bank
dalam kegiatan Bank dilakukan untuk memastikan adanya activities is conducted to ensure adequate mitigation
mitigasi yang memadai terhadap potensi risiko yang against potential risks that may arise from the bank’s
mungkin muncul dari kegiatan Bank. Beberapa bentuk activities. Several forms of Internal Controls include, among
Pengendalian Internal di antaranya dilakukan antara lain others:
melalui:
• Penetapan limit dan kewenangan; • Setting limits and authority;
• Review berjenjang; • Hierarchical review;
• Pemisahan fungsi (Segregation of Duties); • Segregation of duties;
• Compliance Review; • Compliance review;
• Three line of Defense. • Three lines of defense.
Dalam pelaksanaan tugasnya SKAI telah menetapkan In the execution of its duties, SKAI has established the SKAI
Rencana Kerja SKAI di awal tahun dan hingga akhir tahun Work Plan at the beginning of the year and by the end of
2023, SKAI telah merealisasikan seluruh Rencana Kerja SKAI 2023, SKAI has realized all the existing SKAI Work Plans as
yang ada sebagaimana telah dilaporkan dalam Laporan reported in the Internal Audit Key Findings Report for the
Pokok-pokok Hasil Audit Intern semester I dan II di setiap first and second semester of each year.
tahunnya.
Monitoring berkala di luar jadwal tahunan audit juga Periodic monitoring outside the annual audit schedule
dilakukan melalui kunjungan random ke Cabang maupun is also conducted through random visits to branches or
pemantauan melalui media elektronik lainnya. monitoring via other electronic media.
TINJAUAN ATAS EFEKTIVITAS SISTEM REVIEW OF THE EFFECTIVENESS OF THE
PENGENDALIAN INTERNAL INTERNAL CONTROL SYSTEM
Efektivitas pengendalian internal dalam aktivitas bisnis The effectiveness of internal control in the bank’s business
Bank telah cukup memadai. Hal ini antara lain tercermin activities has been adequately sufficient. This is reflected,
dari tersedianya Kebijakan dan Prosedur sebagai panduan among other things, from the availability of Policies and
pelaksanaan aktivitas Bank. Review berkala berdasarkan Procedures as guidelines for the execution of bank activities.
metode yang ditetapkan telah dilakukan untuk memperoleh Periodic reviews based on established methods have been
keyakinan bahwa aktivitas telah berjalan sesuai dengan conducted to ensure that activities are carried out in
Kebijakan dan Prosedur yang telah ditetapkan. Rekomendasi accordance with the established Policies and Procedures.
dan saran perbaikan dilaksanakan untuk meningkatkan Recommendations and suggestions for improvement are
pengendalian internal Bank. implemented to enhance the bank’s internal control.
PERNYATAAN DIREKSI DAN/ATAU DEWAN STATEMENT OF THE BOARD OF DIRECTORS
KOMISARIS ATAS KECUKUPAN SISTEM AND/OR BOARD OF COMMISSIONERS ON THE
PENGENDALIAN INTERNAL ADEQUACY OF THE INTERNAL CONTROL SYSTEM
Secara Umum Kecukupan Sistem Pengendalian Internal Overall, the Bank’s Internal Control System is considered
Bank dinilai telah memadai. Review berkala pada Kebijakan adequate. Periodic reviews of the Bank’s Policies and
dan Prosedur Bank serta ketentuan internal lainnya yang Procedures and other internal provisions that serve as
menjadi payung hukum bagi kegiatan operasional Bank serta the legal framework for the bank’s operational activities
telah berjalannya evaluasi berkala atas sistem pengendalian have been carried out, along with the periodic evaluation
internal Bank yang dilakukan oleh masing-masing fungsi of the bank’s internal control system conducted by each
organisasi dan Internal Audit sebagai third line of defense. organizational function and Internal Audit as the third line
Seluruh komponen yang ada baik Unit Kerja, Departement of defense. All existing components, whether Work Units,
maupun Divisi telah melakukan berbagai langkah mitigasi Departments, or Divisions, have taken various risk mitigation
risiko sesuai dengan tugas dan tanggung jawabnya serta steps in accordance with their duties and responsibilities
242 Laporan Tahunan 2023 Annual Report
Page 245
melakukan perbaikan apabila dalam hasil evaluasinya and have made improvements if the evaluation results
terdapat hal-hal yang perlu dilakukan perbaikan maupun indicate areas needing correction or enhancement. The
peningkatan. Direksi dan Komisaris melalui fungsinya Directors and Commissioners, through their functions,
senantiasa melakukan pemantauan atas pemenuhan tindak continuously monitor the fulfillment of corrective actions
perbaikan dari hasil evaluasi yang ada sehingga diharapkan from the evaluation results, so that the weaknesses found
kelemahan yang ditemukan dapat segera dimitigasi secara can be mitigated promptly and do not lead to greater risks.
tepat waktu dan tidak terjadi risiko yang lebih besar.
KESESUAIAN SISTEM PENGENDALIAN INTERN ALIGNMENT OF THE INTERNAL CONTROL
DENGAN KERANGKA COSO – INTERNAL SYSTEM WITH THE COSO – INTERNAL CONTROL
CONTROL FRAMEWORK FRAMEWORK
Sistem pengendalian Intern Bank secara umum telah The Bank’s internal control system, in general, has
menerapkan konsep pengendalian intern pada COSO implemented the internal control concept in COSO, which
yang mencakup lingkungan pengendalian, penilaian risiko, includes the control environment, risk assessment, control
aktivitas pengendalian, informasi dan komunikasi, serta activities, information and communication, and monitoring.
pemantauan.
Bank telah menetapkan nilai-nilai dasar yang menjadi code The Bank has established core values that serve as a code
of conduct serta penetapan zero tolerance terhadap setiap of conduct and has set a zero-tolerance policy towards any
tindakan fraud. Identifikasi dan penetapan langkah mitigasi fraudulent actions. The identification and establishment of
risiko ditetapkan dalam koridor Penerapan Manajemen risk mitigation steps are determined within the corridor of
Risiko Bank untuk memastikan pengelolaan risiko yang the Bank’s Risk Management Implementation to ensure
lebih baik. Kebijakan dan Prosedur serta Ketentuan Internal better risk management. Policies and Procedures and
yang ada telah disampaikan dan diedukasikan kepada existing Internal Regulations have been communicated
seluruh pegawai serta secara berkala dilakukan evaluasi and educated to all employees, and evaluations are
untuk mengukur pelaksanaan penerapan Kebijakan dan periodically conducted to measure the implementation of
Prosedur yang ada tersebut melalui langkah pemeriksaan these existing Policies and Procedures through inspection
maupun monitoring. Kelemahan, rekomendasi serta langkah and monitoring steps. Weaknesses, recommendations, and
perbaikan dikomunikasikan kepada unit kerja serta secara corrective steps are communicated to work units and are
berkala disampaikan kepada Direksi dan Komisaris sebagai periodically reported to the Directors and Commissioners
bentuk pemantauan. as a form of monitoring.
EVALUASI YANG DILAKUKAN ATAS EFEKTIVITAS EVALUATION CONDUCTED ON THE
SISTEM PENGENDALIAN INTERNAL EFFECTIVENESS OF THE INTERNAL CONTROL
SYSTEM
Evaluasi atas pengendalian internal dilakukan antara lain The evaluation of internal control is conducted through:
melalui:
1. Penilaian terhadap efektivitas pengendalian internal 1. Periodic assessment of the effectiveness of internal
dilakukan dilakukan secara berkala oleh Internal control by Internal Audit in accordance with the
Audit sesuai dengan Rencana Tahunan Audit yang established Annual Audit Plan. Based on the internal
telah ditetapkan. Berdasarkan hasil audit internal audit results conducted throughout 2023, the internal
yang dilakukan sepanjang tahun 2023 secara umum control has generally performed quite well, continually
pengendalian internal sudah berjalan cukup baik making improvements in line with the recommendations
dengan tetap terus melakukan perbaikan sesuai provided. The commitment to improvement will always
dengan rekomendasi yang ada. Komitmen perbaikan be monitored and reported periodically to the Directors
akan senantiasa dipantau dan dilaporkan secara berkala and Commissioners.
kepada Direksi dan Komisaris.
2. Penilaian atas pengendalian internal melalui 2. Evaluation of internal control through the execution of
pelaksanaan penetration testing dan audit oleh pihak penetration testing and audits by independent parties
independen atas ketahanan sistem pembayaran Bank on the resilience of the Bank’s payment systems,
dalam hal ini Internet Banking dan Mobile Banking namely Internet Banking and Mobile Banking, as part of
sebagai bagian dari penguatan sistem pengendalian strengthening the Bank’s internal control system.
internal Bank.
PT BANK OKE INDONESIA Tbk 243
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Tata Kelola Perusahaan
Corporate Governance
3. Efektivitas pengendalian internal juga tercermin dari 3. The effectiveness of internal control is also reflected
pelaksanaan fungsi supervisi, four eyes principal yang in the implementation of supervisory functions, the
melekat pada setiap tahapan aktivitas operasional Bank, four-eyes principle inherent in every stage of the
penetapan limitasi serta wewenang dan tanggung Bank’s operational activities, setting limitations as
jawab. Pelaksanaan review berjenjang atas setiap well as authority and responsibility. The execution of
Kebijakan, Prosedur serta Ketentuan Internal lainnya hierarchical reviews of each Policy, Procedure, and
untuk memastikan tercukupinya aspek keamanan other Internal Regulations to ensure the Bank’s security
Bank senantiasa dilaksanakan sebagai bagian dari aspects are always met is carried out as part of the
pelaksanaan pengendalian internal Bank. Bank’s internal control implementation.
4. Pemantauan dan evaluasi atas Rencana Bisnis Bank yang 4. Monitoring and evaluation of the Bank’s Business
telah ditetapkan dan disetujui Direksi dan Komisaris. Plan that has been established and approved by the
Directors and Commissioners.
5. Pengendalian Internal dilakukan pula melalui 5. Internal Control is also carried out through monitoring
pemantauan terhadap pemenuhan regulasi dari compliance with regulations from regulators including
regulator baik Otoritas Jasa Keuangan (OJK), Bank the Financial Services Authority (OJK), Bank Indonesia
Indonesia (BI), Lembaga Penjamin Simpanan (LPS), (BI), Indonesia Deposit Insurance Corporation (LPS),
PPATK dan regulator lain. Hal ini dilakukan untuk PPATK, and other regulators. This is done to ensure
memastikan tidak adanya pelanggaran signifikan dan no significant violations and the timeliness of report
ketepatan waktu penyampaian laporan ke regulator. submissions to regulators.
PENYEDIAAN DANA KEPADA PIHAK TERKAIT PROVISION OF FUNDS TO RELATED PARTIES AND
DAN PENYEDIAAN DANA BESAR LARGE FUNDING
PT Bank Oke Indonesia, Tbk. memiliki kebijakan mengenai PT Bank Oke Indonesia, Tbk. has a policy regarding the
penyediaan dana kepada pihak terkait dan penyediaan provision of funds to related parties and large funding.
dana besar telah ditetapkan ketentuan intern yang Internal regulations have been established that regulate
mengatur jumlah penyediaan dana maksimal kepada the maximum amount of funds provided to each of these
masing-masing kelompok tersebut melalui Kebijakan groups through the Maximum Lending Limit (BMPK) of
Batas Maksimum Pemberian Kredit (BMPK) Agustus 2021 August 2021 and also adheres to the provisions of Financial
dan juga berpedoman pada ketentuan Peraturan Otoritas Services Authority Regulation Number 32/POJK.03/2018
Jasa Keuangan Nomor 32/POJK.03/2018 sebagaimana telah as amended by Financial Services Authority Regulation
diubah dengan Peraturan Otoritas Jasa Keuangan Nomor Number 38/POJK.03/2019 on Maximum Lending Limit and
38/POJK.03/2019 tentang Batas Maksimum Pemberian Large Funding Provision for Commercial Banks, while also
kredit dan Penyediaan Dana Besar bagi Bank Umum serta considering the principle of prudence and applicable laws
memperhatikan prinsip kehati-hatian maupun perundang- and regulations.
undangan yang berlaku.
Hal ini terbukti dari laporan secara berkala kepada Otoritas This is evidenced by the regular reports to the Financial
Jasa Keuangan tidak pernah terjadi pelanggaran maupun Services Authority, where there have never been any
pelampauan penyediaan dana baik kepada Pihak tidak violations or exceedances in the provision of funds either
terkait maupun pihak terkait selama periode Laporan Tahun to unrelated parties or related parties during the reporting
2023. period for the year 2023.
Total penyediaan dana kepada pihak terkait dan penyediaan The total provision of funds to related parties and the
dana kepada debitur inti per posisi 31 Desember 2023 adalah provision of funds to core debtors as of December 31, 2023,
sebagaimana dijelaskan pada tabel berikut: is described in the following table:
(dalam Rp Juta | in Rp Million)
Penyediaan Dana Debitur Jumlah
No.
Provision of Funds Debtor Total
1 Terkait 2 77.942
Linked
2 Kepada Debitur Inti 35 4.887.945
To main debtor
Individu | Individual 16 1.988.103
Group | Group 9 2.899.842
244 Laporan Tahunan 2023 Annual Report
Page 247
Posisi Desember 2023 Bank terdapat penyediaan dana As of December 2023, the Bank has provided significant
besar kepada tiga Group Debitur dengan penyediaan dana funding to three Debtor Groups with large funding
besar sebesar Rp 1.715.216 Juta. amounting to IDR 1,715,216 million.
TRANSPARANSI KONDISI KEUANGAN DAN NON TRANSPARENCY OF FINANCIAL AND NON-
KEUANGAN YANG BELUM DIUNGKAP DALAM FINANCIAL CONDITIONS NOT DISCLOSED IN
LAPORAN LAINNYA OTHER REPORTS
Transparansi kondisi keuangan Perseroan senantiasa The transparency of the Company’s financial condition
dikomunikasikan dengan para stakeholder dengan is always communicated to stakeholders by regularly
membuat laporan secara rutin yang dimuat dalam website creating reports that are posted on the Bank’s website
Bank dan secara berkala dipublikasikan melalui media and periodically published through mass media with wide
massa yang mempunyai peredaran luas. Laporan tersebut circulation. These reports are presented as a manifestation
disampaikan sebagai wujud transparansi kondisi keuangan of transparency of the Bank’s financial condition to third
Bank kepada pihak ketiga, adapun laporannya di antaranya parties, including but not limited to the following:
sebagai berikut:
1. Laporan Tahunan antara lain mencakup: 1. The Annual Report includes:
a. Ikhtisar data keuangan, informasi saham, a. Financial data summaries, share information,
laporan Dewan Komisaris, Laporan Direksi, profil reports from the Board of Commissioners, reports
perusahaan, analisis dan pembahasan manajemen from the Directors, company profile, analysis and
mengenai kinerja bisnis dan keuangan, tata kelola management discussion regarding business and
perusahaan dan tanggung jawab sosial perusahaan. financial performance, corporate governance, and
corporate social responsibility.
b. Laporan keuangan tahunan yang telah diaudit b. Annual financial statements audited by Public
oleh Akuntan Publik dan Kantor Akuntan Publik Accountants and Public Accounting Firms
yang terdaftar di Otoritas jasa Keuangan. Laporan registered with the Financial Services Authority.
Keuangan Tahunan dibuat untuk 1 (satu) Tahun The Annual Financial Statements are prepared for 1
Buku dan disajikan dengan perbandingan 1 (satu) (one) Fiscal Year and presented with a comparison
tahun buku sebelumnya. to the previous 1 (one) fiscal year.
c. Pernyataan tanggung jawab Dewan Komisaris c. Statement of responsibility from the Board of
dan Direksi atas kebenaran isi Laporan Tahunan. Commissioners and Directors for the accuracy of
Pernyataan tersebut dituangkan dalam lembar the contents of the Annual Report. This statement
pernyataan yang ditanda tangani oleh seluruh is encapsulated in a declaration page signed by all
anggota Dewan Komisaris dan Anggota Direksi. members of the Board of Commissioners and the
Directors.
2. Laporan Keuangan Publikasi Triwulan 2. Quarterly Public Financial Reports
Bank telah mengumumkan Laporan Keuangan Publikasi The Bank has announced Quarterly Public Financial
secara triwulan yang ditandatangani oleh 2 (dua) Reports signed by 2 (two) Directors of the Bank and
Direksi Bank dan telah diumumkan di 1 (satu) surat has been announced in 1 (one) national newspaper
kabar nasional yang mempunyai peredaran luas untuk with wide circulation for the positions of June and
posisi bulan Juni dan Desember. Laporan Keuangan December. Quarterly Public Financial Reports are also
Publikasi Triwulanan diumumkan juga pada situs web announced on the Bank’s website in accordance with
Bank sesuai dengan ketentuan yang berlaku. applicable regulations.
3. Laporan Keuangan Publikasi Bulanan 3. Monthly Public Financial Reports
Bank menyampaikan Laporan Keuangan Publikasi The Bank submits Monthly Public Financial Reports in
Bulanan dalam Sistem laporan Otoritas Jasa Keuangan the Financial Services Authority Reporting System and
dan dalam website Bank (www.okbank.co.id) on the Bank’s website (www.okbank.co.id)
TRANSPARANSI KONDISI NON KEUANGAN TRANSPARENCY OF NON-FINANCIAL CONDITIONS
OK Bank memberikan informasi mengenai produk Bank Oke OK Bank provides clear information about OK BANK
Indonesia secara jelas berupa brosur, leaflet, dan bentuk Indonesia products in the form of brochures, leaflets, and
tertulis lainnya, informasi tersebut dapat diperoleh nasabah other written forms. This information can be obtained by
di setiap kantor Bank Oke Indonesia, di customer service di customers at every OK BANK Indonesia office, customer
setiap kantor OK BANK atau website. service at every OK BANK office, or on the website.
PT BANK OKE INDONESIA Tbk 245
Page 248
Tata Kelola Perusahaan
Corporate Governance
OK Bank juga menyediakan tata cara pengaduan nasabah OK Bank also provides procedures for customer complaints
serta penyelesaian sengketa kepada nasabah sesuai and dispute resolution to customers in accordance with the
ketentuan Otoritas Jasa Keuangan dan Bank Indonesia regulations of the Financial Services Authority and Bank
dengan membuat pengumuman tertulis yang diletakkan di Indonesia by making written announcements placed in
tempat yang mudah terlihat oleh nasabah. locations easily seen by customers.
OK Bank juga menyampaikan Laporan Tahunan kepada OK Bank also submits Annual Reports to the Financial
Otoritas Jasa Keuangan, Bank Indonesia, dan instansi atau Services Authority, Bank Indonesia, and other institutions or
lembaga yang dipandang perlu mendapat Laporan Tahunan. agencies deemed necessary to receive the Annual Report.
INFORMASI LAIN YANG TERKAIT TATA KELOLA OTHER INFORMATION RELATED TO BANK
BANK GOVERNANCE
Praktek penerapan tata kelola di OK BANK senantiasa The practice of governance implementation at OK BANK
menerapkan seluruh unsur yang ada pada konsep tata always applies all elements present in the concept of
kelola usaha yang sehat dan seluruh informasi terkait sound business governance, and all information related to
penerapan Tata Kelola telah diungkap dalam Laporan Tata the implementation of Governance has been disclosed in
Kelola Bank, sehingga tidak ada hal-hal lain yang perlu the Bank Governance Report, so there is nothing else that
diungkapkan kembali. needs to be disclosed again.
Selama tahun 2023 tidak ada kejadian atau transaksi yang During the year 2023, there were no incidents or transactions
mengalami benturan kepentingan ataupun intervensi that experienced conflicts of interest or interventions from
dari pemilik ataupun pihak-pihak lain. Semua keputusan owners or other parties. All decisions are always based
senantiasa didasarkan pada prinsip tata kelola Bank yang on the principle of sound Bank governance. So far, there
sehat. Sejauh ini tidak terdapat perselisihan internal baik have been no internal disputes among the management
di antara pengurus ataupun para pemegang sahamnya. or the shareholders. Meanwhile, all policies related to
Sementara semua kebijakan terkait remunerasi telah remuneration have been openly disclosed to employees.
diungkapkan secara terbuka kepada karyawan.
KEPEMILIKAN SAHAM ANGGOTA DEWAN SHARE OWNERSHIP OF MEMBERS OF THE
KOMISARIS DAN DIREKSI YANG MENCAPAI BOARD OF COMMISSIONERS AND DIRECTORS
5% (LIMA PERSEN) ATAU LEBIH DARI MODAL THAT REACH 5% (FIVE PERCENT) OR MORE OF
DISETOR PADA BANK ATAU LEMBAGA LAINNYA THE PAID-UP CAPITAL IN THE BANK OR OTHER
INSTITUTIONS
Per tanggal 31 Desember 2023, tidak ada Anggota Dewan As of December 31, 2023, there were no members of the
Komisaris maupun Anggota Direksi yang memiliki saham Board of Commissioners or Directors who owned shares in
PT Bank Oke Indonesia, Tbk. PT Bank Oke Indonesia, Tbk.
JUMLAH PENYIMPANGAN INTERNAL NUMBER OF INTERNAL FRAUD INCIDENTS THAT
(INTERNAL FRAUD) YANG TERJADI DAN UPAYA OCCURRED AND ATTEMPT TO RESOLUTION BY
PENYELESAIAN OLEH BANK THE BANK
Penyimpangan internal (internal fraud) adalah Internal fraud is a deviation or fraud committed by members
penyimpangan atau kecurangan yang dilakukan oleh of the Directors, members of the Board of Commissioners,
anggota Direksi, anggota Dewan Komisaris, pegawai tetap permanent employees, and non-permanent employees
dan pegawai tidak tetap terkait dengan proses kerja dan related to work processes and operational activities.
kegiatan operasional.
246 Laporan Tahunan 2023 Annual Report
Page 249
Selama tahun 2023 tidak terjadi internal fraud di Bank.
During the year 2023, no internal fraud occurred at the Bank.
Jumlah Kasus yang Dilakukan oleh
Number of Cases Done by
Internal Fraud dalam 1
Pengurus Pegawai Tetap Pegawai Tidak Tetap
Tahun
Management Permanent Employee Non-permanent Employee
Internal Fraud in 1 Year
Tahun Tahun Tahun Tahun Tahun Tahun
Sebelumnya Berjalan Sebelumnya Berjalan Sebelumnya Berjalan
Previous Year Current Year Previous Year Current Year Previous Year Current Year
Total Fraud - - - - - -
Diselesaikan - - - - - -
Resolved
Dalam Proses Penyelesaian di - - - - - -
Internal Bank
In the Process of Resolution
Internally by the Bank
Belum Diupayakan - - - - - -
Penyelesaiannya
Resolution Efforts Have Not
Yet Been Attempted
Ditindaklanjuti melalui Proses - - - - -
Hukum
Followed up through Legal
Process
PERMASALAHAN HUKUM LEGAL ISSUES
Sepanjang tahun 2023, anggota Dewan Komisaris maupun Throughout the year 2023, serving members of the Board of
anggota Direksi Perseroan yang sedang menjabat tidak Commissioners and the Board of Directors did not face any
memiliki permasalahan hukum, baik perdata maupun legal issues, both civil and criminal.
pidana.
Permasalahan hukum adalah permasalahan hukum perdata, Legal issues refer to civil, criminal, Suspension of Debt
pidana, PKPU dan Pailit yang dihadapi OK BANK selama Payment Obligation (PKPU), and Bankruptcy issues faced
periode tahun 2023 dan diajukan melalui proses hukum: by OK BANK during the 2023 period and submitted through
legal proceedings:
Permasalahan Hukum Perdata Pidana PKPU Pailit
Legal Issues Civil Criminal PKPU Bankruptcy
Telah Selesai (telah mempunyai kekuatan hukum yang tetap) 8 0 2 3
Resolved (has become legally binding)
Dalam Proses Penyelesaian 12 4 0 0
In the process of resolution
Jumlah | Total 20 4 2 3
Beberapa perkara materil yang terjadi pada periode bulan Several material cases that occurred from January to
Januari sampai dengan bulan Desember tahun 2023 dapat December 2023 can be seen in the following table:
dilihat pada tabel sebagai berikut:
PT BANK OKE INDONESIA Tbk 247
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Tata Kelola Perusahaan
Corporate Governance
A. Perkara Perdata yang Telah Selesai
A. Resolved Civil Cases
Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berpekara Pokok Perkara/Gugatan Kondisi Perseroan Perkara/Gugatan
No
Litigant Parties Main Case/Lawsuit The Influence on the Condition Case/Lawsuit
of the Company Settlement Status
1 PERKARA NOMOR Gugatan Perbuatan Melawan PT Bank Oke Indonesia, Tbk. Perkara Telah Selesai
353/Pdt.G/2019/PN.Jkt.Pst jo. 276/ Hukum dengan pokok perkara menang dalam perkara ini sehingga The case has been resolved.
PDT/2021/PT DKI mengenai pembatalan lelang tidak ada pengaruhnya terhadap
PT Gapura Raya (Penggugat) oleh debitur kondisi Perseroan
(Debitur)/ A lawsuit for Unlawful Acts PT Bank Oke Indonesia, Tbk. won
PT Bank Oke Indonesia, Tbk. concerning the cancellation of this case, so it had no impact on
(Tergugat) an auction by the debtor the Company's condition.
CASE NUMBER
PT Gapura Raya (Plaintiff) (Debtor)
PT Bank Oke Indonesia, Tbk.
(Defendant)
2 PERKARA NOMOR: Gugatan Perlawanan terhadap PT Bank Oke Indonesia, Tbk. Perkara Telah Selesai
1015/Pdt.Plw/2021/PN.Jkt.Sel Cessie yang dilakukan oleh menang dalam perkara ini sehingga The case has been resolved.
Pelawan/ PT Gapura Raya Bank. tidak ada pengaruhnya terhadap
Terlawan /Faqih El Muntazar A lawsuit contesting the kondisi Perseroan
Turut Terlawan I / PT Bank Oke Cession carried out by the PT Bank Oke Indonesia, Tbk. won
Indonesia, Tbk. Bank. this case, so it had no impact on
CASE NUMBER the Company's condition.
Plaintiff/ PT Gapura Raya
Defendant /Faqih El Muntazar
Co-Defendant I / PT Bank Oke
Indonesia, Tbk.
3 PERKARA NOMOR: Gugatan Perbuatan Melawan PT Bank Oke Indonesia, Tbk. Perkara Telah Selesai
67/Pdt.G/2022/PN.Jbg Hukum yang debitur ajukan menang dalam perkara ini sehingga The case has been resolved
Penggugat/ Lusiana untuk untuk melakukan tidak ada pengaruhnya terhadap
Tergugat/ PT Bank Oke Indonesia, pembatalan lelang kondisi Perseroan
Tbk. A lawsuit for Unlawful Acts PT Bank Oke Indonesia, Tbk. won
Turut Tergugat I/Otoritas Jasa filed by the debtor to cancel this case, so it had no impact on
Keuangan (OJK) Regional Surabaya an auction the Company's condition.
Turut Tergugat II/Balai Lelang
CASE NUMBER:
67/Pdt.G/2022/PN.Jbg
Plaintiff/ Lusiana
Defendant/ PT Bank Oke Indonesia,
Tbk.
Co-Defendant I/ Financial Services
Authority (OJK) Regional Surabaya
Co-Defendant II/ Auction House
4 PERKARA NOMOR: Gugatan Perbuatan Melawan Gugatan dicabut Oleh Perkara telah Selesai
580/Pdt.G/2023/PN.Sby Hukum mengenai tindakan PENGGUGAT The case has been resolved
Penggugat/Lusiana Bank yang melanggar prinsip The lawsuit was withdrawn by the
Tergugat I/ PT Bank Oke Indonesia, kehati-hatian PLAINTIFF.
Tbk. A lawsuit for Unlawful Acts
Turut Tergugat I/Notaris Ariyani S.H regarding the Bank's actions
CASE NUMBER: that violated the principle of
580/Pdt.G/2023/PN.Sby prudence.
Plaintiff/Lusiana
Defendant I/ PT Bank Oke Indonesia,
Tbk.
Co-Defendant I/Notary Ariyani S.H
5 PERKARA NOMOR: Gugatan Perbuatan Melawan PT Bank Oke Indonesia, Tbk. Perkara telah Selesai
663/Pdt.G/2018/PN.Jkt.Sel. Hukum mengenai Pembatalan menang dalam perkara ini sehingga The case has been resolved
Penggugat/PT Prima Karya Global kerjasama antara pengugat tidak ada pengaruhnya terhadap
Tergugat/PT Sarana Cipta Intinusa dan tergugat (bank hanya kondisi Perseroan
Turut Tergugat I/ PT Bank Dinar sebagai turut tergugat) PT Bank Oke Indonesia, Tbk. won
Indonesia A lawsuit for Unlawful Acts this case, so it had no impact on
Turut Tergugat II/PT Putra Karya regarding the cancellation the Company's condition.
Cemerlang of cooperation between the
CASE NUMBER: plaintiff and the defendant
663/Pdt.G/2018/PN.Jkt.Sel. (the bank is only a co-
Plaintiff/PT Prima Karya Global defendant).
Defendant/PT Sarana Cipta Intinusa
Co-Defendant I/ PT Bank Dinar
Indonesia
Co-Defendant II/PT Putra Karya
Cemerlang
248 Laporan Tahunan 2023 Annual Report
Page 251
A. Perkara Perdata yang Telah Selesai
A. Resolved Civil Cases
Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berpekara Pokok Perkara/Gugatan Kondisi Perseroan Perkara/Gugatan
No
Litigant Parties Main Case/Lawsuit The Influence on the Condition Case/Lawsuit
of the Company Settlement Status
6 PERKARA NOMOR: Gugatan untuk membatalkan PT Bank Oke Indonesia, Tbk. Perkara telah Selesai
740/Pdt.G/2021/PN.Jkt.Sel Perjanjian Pengikatan Jual Beli menang dalam perkara ini sehingga The case has been resolved
Penggugat/ Riany Ciampi Liga Bogor Icon Best Western tidak ada pengaruhnya terhadap
Tergugat I/ PT Gapura Kencana A lawsuit to cancel the kondisi Perseroan
Abadi Sale and Purchase Binding PT Bank Oke Indonesia, Tbk. won
Tergugat II/ Dedi Setiadi Agreement of Bogor Icon Best this case, so it had no impact on
Turut Tergugat I/ PT Bank Oke Western the Company's condition.
Indonesia, Tbk.
Turut Tergugat II/ Badan Pertanahan
Nasional Kantor Pertanahan Kota
Bogor
Turut Tergugat III/Tientje Agustina
Tamaela
Turut Tergugat IV/ Dian Trianawati
CASE NUMBER:
740/Pdt.G/2021/PN.Jkt.Sel
Plaintiff/ Riany Ciampi Liga
Defendant I/ PT Gapura Kencana
Abadi
Defendant II/ Dedi Setiadi
Co-Defendant I/ PT Bank Oke
Indonesia, Tbk.
Co-Defendant II/ National Land
Agency, Bogor City Land Office
Co-Defendant III/Tientje Agustina
Tamaela
Co-Defendant IV/ Dian Trianawati
7 PERKARA NOMOR: Perkara mengenai pembatalan PT Bank Oke Indonesia, Tbk. Perkara telah selesai
143/Pdt.G/2022/PN.Jkt.Pst lelang oleh debitur menang dalam perkara ini sehingga The case has been resolved
Penggugat/ Hendarmin Anoem The case concerns the tidak ada pengaruhnya terhadap
Tergugat/ PT. Bank Oke Indonesia, cancellation of an auction by kondisi Perseroan
Tbk, the debtor. PT Bank Oke Indonesia, Tbk. won
Turut Tergugat I/ Kantor Pelayanan this case, so it had no impact on
Kekayaan Negara dan Lelang the Company's condition.
(KPKNL) Jakarta V
Turut Tergugat II/PT Balai lelang
Selaras
CASE NUMBER:
143/Pdt.G/2022/PN.Jkt.Pst
Plaintiff/ Hendarmin Anoem
Defendant/ PT. Bank Oke Indonesia,
Tbk,
Co-Defendant I/ State Asset
Management and Auction Service
Office (KPKNL) Jakarta V
Co-Defendant II/PT Auction House
Selaras
PT BANK OKE INDONESIA Tbk 249
Page 252
Tata Kelola Perusahaan
Corporate Governance
A. Perkara Perdata yang Telah Selesai
A. Resolved Civil Cases
Pengaruhnya terhadap Status Penyelesaian
Pihak yang Berpekara Pokok Perkara/Gugatan Kondisi Perseroan Perkara/Gugatan
No
Litigant Parties Main Case/Lawsuit The Influence on the Condition Case/Lawsuit
of the Company Settlement Status
8 PERKARA NOMOR: Perkara mengenai pembatalan Gugatan Dicabut Oleh Perkara telah selesai
468/Pdt.G/2023/PN.JKT.PST lelang oleh debitur PENGGUGAT The case has been resolved
Penggugat I/ PT Pacific Multindo The case concerns the The lawsuit was withdrawn by the
Permai cancellation of an auction by PLAINTIFF.
Penggugat II/ Johana Elisabet the debtor.
Tandean
Penggugat III/Silvester Lokan
Penggugat IV/ Diana Marsella Lokan
Penggugat V/ Stefanus Lokan
Penggugat VI/ Fransiska Lokan
Tergugat/PT Bank Oke Indonesia
Tergugat II/ Kantor Pelayanan
Kekayaan Negara dan Lelang
Jakarta V
Tergugat III/ PT Delta Lelang
Turut Tergugat I/ Kejaksaan Agung
Republik Indonesia
Turut Tergugat II Kantor Pertanahan
Kota Administrasi Jakarta Utara
CASE NUMBER:
468/Pdt.G/2023/PN.JKT.PST
Plaintiff I/ PT Pacific Multindo Permai
Plaintiff II/ Johana Elisabet Tandean
Plaintiff III/Silvester Lokan
Plaintiff IV/ Diana Marsella Lokan
Plaintiff V/ Stefanus Lokan
Plaintiff VI/ Fransiska Lokan
Defendant/PT Bank Oke Indonesia
Defendant II/ State Asset
Management and Auction Service
Office Jakarta V
Defendant III/ PT Delta Auction
Co-Defendant I/ Attorney General's
Office of the Republic of Indonesia
Co-Defendant II/ North Jakarta City
Land Office Administration
B. Perkara Perdata yang dalam Proses Penyelesaian
B. Civil Cases in the Process of Settlement
Pengaruhnya terhadap Kondisi Status Penyelesaian
Pokok Perkara/
Pihak yang Berpekara Perseroan Perkara/Gugatan
No Gugatan
Litigant Parties The Influence on the Condition of Case/Lawsuit
Main Case/Lawsuit
the Company Settlement Status
1 PERKARA NOMOR | CASE NUMBER: Pembatalan Perjanjian Perkara masih berjalan Tingkat Kasasi
744/Pdt.G/2021/PN.Jkt.Sel Pengikatan Jual Beli Case still on going Final Appeal.
Bogor Icon Best Western
Penggugat | Plaintiff Cancellation of Bogor
PT Bukit Jaya Utama Icon Best Western Sale
Tergugat I | Defendant I and Purchase Agreement.
PT Gapura Kencana Abadi
Tergugat II | Defendant II
Dedi Setiadi
Turut Tergugat I | Co-Defendant I
PT Bank Oke Indonesia, Tbk.
Turut Tergugat II | Co-Defendant II
Badan Pertanahan Nasional Kantor
Pertanahan Kota Bogor
National Land Agency, Bogor City
Land Office
Turut Tergugat III | Co-Defendant III
Dian Trianawati, S.H.
250 Laporan Tahunan 2023 Annual Report
Page 253
B. Perkara Perdata yang dalam Proses Penyelesaian
B. Civil Cases in the Process of Settlement
Pengaruhnya terhadap Kondisi Status Penyelesaian
Pokok Perkara/
Pihak yang Berpekara Perseroan Perkara/Gugatan
No Gugatan
Litigant Parties The Influence on the Condition of Case/Lawsuit
Main Case/Lawsuit
the Company Settlement Status
2 PERKARA NOMOR | CASE NUMBER: Gugatan atas pembelian Perkara masih berjalan Tingkat Banding
221/Pdt.Plw/2021/PN.Jkt.Sel asset lelang Case still on going Appeal Level.
Lawsuit Against the
Pelawan | Opposite purchase of auction
PT Gapura Raya assets.
Terlawan | Opposed
Faqih El Muntazar
Turut Terlawan | Co-Opposed
PT Bank Oke Indonesia, Tbk.
3 PERKARA NOMOR | CASE NUMBER: Gugatan Perbuatan Perkara masih berjalan Tingkat Banding
153/Pdt.Bth/2021/PN.Jkt.Sel Melawan Hukum dengan Case still on going Appeal Level.
pokokPerkara mengenai
Pembantah | Objector pembatalan penjualan
PT Gapura Raya. cassie dan pelaksanaan
Terbantah I | Rebutted I lelang.
PT Bank Oke Indonesia, Tbk.
Terbantah II | Rebutted II Lawsuit for Unlawful
Zahir Ali (Cessie Buyer). Acts with the principal
Terbantah III | Rebutted III case regarding the
Joko Suratno (KJPP) cancellation of the sale of
Terbantah IV | Rebutted IV cassie and
Faqih El Muntazar (pemenang lelang) the implementation of
Turut Terbantah | Co- Rebutted the auction.
Kepala Kantor Pertanahan Kota
Administrasi Jakarta Selatan
4 PERKARA NOMOR | CASE NUMBER: Gugatan untuk Perkara masih berjalan Tingkat Banding
1105/Pdt.G/2022/PN.JKT.Sel membatalkan Case still on going Appeal Level.
pelaksanaan lelang
Penggugat | Plaintiff Lawsuit on Cancellation
PT Gapura Raya of cessie by the Bank
Tergugat I | Defendant I
PT Bank OK Indonesia, Tbk
Tergugat II | Defendant II
Zahir Ali
Tergugat III | Defendant III
Faqih El Muntazar
Tergugat IV | Defendant IV
Kantor Jasa Penilai Publik Joko
Suratno
Public Appraisal Service Firm Joko
Suratno
Tergugat V | Defendant V
Pemerintah Republik Indonesia cq.
Kementerian Keuangan Republik
Indonesia cq. Kepala Kantor Wilayah
DJKN DKI Jakarta cq. Kepala Kantor
Pelayanan Kekayaan Negara dan
Lelang (KPKNL) Jakarta V
Government of the Republic of
Indonesia cq. Ministry of Finance of
the Republic of Indonesia cq. Head of
DJKN DKI Jakarta Regional Office cq.
Head of the Jakarta V State Property
and Auction Services Office (KPKNL)
5 PERKARA NOMOR | CASE NUMBER: Gugatan Perbuatan Perkara masih berjalan Tingkat Kasasi
642/Pdt.G/2021/PN.Jkt.Pst. Melawan Hukum karena Case still on going Final Appeal.
dilaksanakannya lelang
Penggugat Debitur | Plaintiff Debtor eksekusi oleh bank.
Lim Vissurina Unlawful Act lawsuit
Tergugat I | Defendant I due to execution of an
PT Bank Oke Indonesia, Tbk. auction by the bank.
PT BANK OKE INDONESIA Tbk 251
Page 254
Tata Kelola Perusahaan
Corporate Governance
B. Perkara Perdata yang dalam Proses Penyelesaian
B. Civil Cases in the Process of Settlement
Pengaruhnya terhadap Kondisi Status Penyelesaian
Pokok Perkara/
Pihak yang Berpekara Perseroan Perkara/Gugatan
No Gugatan
Litigant Parties The Influence on the Condition of Case/Lawsuit
Main Case/Lawsuit
the Company Settlement Status
6 PERKARA NOMOR | CASE NUMBER: Gugatan Perbuatan Perkara masih berjalan Tingkat Kasasi
649/Pdt.G/2021/PN.Jkt.Pst Melawan Hukum dengan Case still on going Final Appeal.
perkara mengenai
Penggugat Debitur | Plaintiff Debtor pembatalan lelang oleh
Budiyanto debitur.
Tergugat | Defendant Lawsuit for Unlawful Acts
PT Bank OK Indonesia Tbk with a case regarding
the cancellation of the
auction by the debtor.
7 PERKARA NOMOR | CASE NUMBER: Gugatan Intervensi Perkara masih berjalan Tingkat Banding
733/Pdt.Bth/2021/PN.Jkt.Ut Karena Jaminan Bank Case still on going Appeal Level.
diajukan sita persamaan
Pembantah | Objector namun posisi Bank
Tan Lily (Lily/Tan Keng Lai) kuat karena sebagai
(Istri Hendik Hakim) Pemegang Hak
Debitur | Debtor Tanggungan
PT Bank Oke Indonesia, Tbk. Intervention Lawsuit
Intervensi | Intervention Because the Bank
PT Bank OK Indonesia Tbk Collateral was filed for
equivalent confiscation,
the Bank's position was
strong because it was the
Mortgage Holder
8 PERKARA NOMOR | CASE NUMBER: Perkara mengenai Sudah disepakati adanya perdamaian Masih dalam proses
231/Pdt.G/2022/PN.Sgr pembatalan lelang oleh namun masih dalam proses pelaksanaan lelang atas aset
debitur perdamaian The assets is till in the
Penggugat I | Plaintiff Lawsuit for Unlawful Acts It has been agreed that there will not be auction process.
CV Tjarma with a case regarding any lawsuit but the settlement is still in
Penggugat II | Defendant II the cancellation of the the process.
Luh Nyeneng auction by the debtor.
Tergugat | Defendant
PT Bank Oke Indonesia
Turut Tergugat I | Co-Defendant I
Kantor Pelayanan Kekayaan Negara &
Lelang (KPKNL) Singaraja
Turut Tergugat II | Co-Defendant II
PT Balai Lelang Bali (BLBI)
Turut Tegugat III | Co-Defendant III
Badan Pertanahan Nasional
Kabupaten Buleleng
9 PERKARA NOMOR | CASE NUMBER: Perkara mengenai Perkara masih berjalan Tingkat Kasasi
267/Pdt.Sus-PHI/2023/PN.Niaga.Jkt.Pst pemutusan hubungan Case still on going. Final Appeal.
kerja, terhadap Sdri. Intan
Penggugat | Plaintiff Agustin Alfiani.
Intan Agustin Alfiani Lawsuit on termination
Tergugat | Defendant of employment, against
PT Bank Oke Indonesia, Tbk. Ms. Intan Agustin Alfiani.
252 Laporan Tahunan 2023 Annual Report
Page 255
B. Perkara Perdata yang dalam Proses Penyelesaian
B. Civil Cases in the Process of Settlement
Pengaruhnya terhadap Kondisi Status Penyelesaian
Pokok Perkara/
Pihak yang Berpekara Perseroan Perkara/Gugatan
No Gugatan
Litigant Parties The Influence on the Condition of Case/Lawsuit
Main Case/Lawsuit
the Company Settlement Status
10 PERKARA NOMOR | CASE NUMBER: Perkara Gugatan Perkara Masih Berjalan Tingkat Pertama
625/Pdt.G/2023/PN.Jkt.Pst Pihak Ketiga untuk Case still on going First Level.
membatalkan
Penggugat I | Plaintiff I pelaksanaan lelang
Ficky Zulfikar Zazoeli atas jaminan PT Global
Penggugat II | Plaintiff II Insipirasia Indonesia
Mathilda Petrina Zulfikar Lawsuit against the
Penggugat III | Plaintiff III law that the debtor
Neysa Radmilla Zulfikar submitted to cancel the
Tergugat | Defendant auction on the collateral
PT Global Inspirasia Indonesia of PT Global Insiprasia
Turut Tergugat I | Co-Defendant I Indonesia
PT Bank Oke Indonesia, Tbk.
Turut Tergugat II | Co-Defendant II
PT Kompas Jaya Properti
Turut Tergugat III | Co-Defendant III
Kantor Pertanahan Kota Administrasi
Jakarta Pusat
National Land Agency, Central Jakarta
Office
11 PERKARA NOMOR | CASE NUMBER: Gugatan Perbuatan Perkara Masih Berjalan Tingkat Pertama
670/Pdt.G/2023/PN.Jkt.Pst Melawan Hukum Case still on going First Level.
mengenai pembatalan
Penggugat I | Plaintiff I pelaksanaan lelang. Oke
PT Teledyno Karya Utama Bank hanya menjadi Turut
Tergugat I | Defendant I Tergugat I yang ditarik
PT Oke Asset Indonesia untuk kelengkapan para
Tergugat II | Defendant II pihak
Pemerintah Republik Indonesia cq. Lawsuit against the
Kementerian Keuangan Direktorat law that the debtor
Jenderal Kekayaan Negara cq. KPKNL submitted to cancel
Jakarta the auction. Oke Bank
is only Co-Defendant I
Turut Tergugat I | Co-Defendant I which was withdrawn
PT Bank Oke Indonesia, Tbk. for completeness of the
Turut Tergugat II | Co-Defendant II parties
Pemerintah Republik Indonesia cq.
Kementerian Agraria dan Tata Ruang
BPN RI cq. BPN Provinsi DKI Jakarta cq
BPN Kota Jakarta Selatan
Government of the Republic of
Indonesia cq. Ministry of Agrarian
Affairs and Spatial Planning
BPN RI cq. DKI Jakarta, South Jakarta
12 PERKARA NOMOR | CASE NUMBER: Perkara mengenai Perkara masih berjalan Pada Tingkat Pertama
825/Pdt.G/2023/PN.Jkt.Pst pemindahbukuan Bilyet Case still on going First Level.
Giro PT Gunung Sugih
Penggugat I | Plaintiff I Agung yang ada di
PT Gunung Sugih Agung PT Bank Oke Indonesia,
Tergugat I | Defendant I Tbk.
Ahli Waris Almh. Dewi Ariyani Case on the transfer of
Tergugat II | Defendant II PT Gunung Sugih Agung's
PT Bank Oke Indonesia, Tbk. Bilyet Giro from PT Bank
Oke Indonesia, Tbk.
PT BANK OKE INDONESIA Tbk 253
Page 256
Tata Kelola Perusahaan
Corporate Governance
C. Perkara PKPU dan Pailit yang Telah Selesai
C. PKPU and Bankruptcy Cases That Have Been Completed
Pengaruhnya
Status
terhadap Kondisi
Penyelesaian
Pihak yang Berpekara Pokok Perkara/Gugatan Perseroan
No Perkara/Gugatan
Litigant Parties Main Case/Lawsuit The Influence on the
Case/Lawsuit
Condition of the
Settlement Status
Company
1 PERKARA NOMOR | CASE NUMBER: PT First Indo American Leasing Tbk Bank sebagai Kreditur Telah Diputus Pailit
192/Pdt.Sus-PKPU/2019/PN Niaga Jkt.Ps (debitur) dinyatakan pailit pada Separatis memiliki Has Been Declared
tanggal 26 September 2019. Hak untuk mendapat Bankrupt.
Pemohon | Applicant PT First Indo American Leasing Tbk pembagian dalam proses
PT Mitra Cipta Hardi Elektrindo (debtor) was declared bankrupt on pemberesan harta pailit.
Termohon Debitur | Respondent Debtor September 26, 2019. Banks as Separatist
PT First Indo American Leasing, Tbk Creditors have the Right
Kreditur Separatis | Separatist Creditor to receive a share in
PT Bank Oke Indonesia, Tbk. the process of settling
bankruptcy assets.
2 PERKARA NOMOR | CASE NUMBER: Denny Muliana diputus pailit oleh Bank sebagai Kreditur Telah Diputus Pailit
223/Pdt.Sus-PKPU/2021/PN Jkt.Pst Pengadilan Negeri Jakarta Pusat Separatis memiliki Has Been Declared
tanggal 8 Maret 2022. Pailit dengan Hak untuk mendapat Bankrupt.
Pemohon | Applicant Kurator Artanta Barus & Roy pembagian dalam proses
Rubin Siswanto Pakpahan pemberesan harta pailit.
Termohon Debitur | Respondent Debtor Banks as Separatist
Denny Muliana was declared
Denny Muliana Creditors have the Right
bankrupt by the Central Jakarta
Kreditur Separatis | Separatist Creditor to receive a share in
PT Bank Oke Indonesia, Tbk. District Court on March 8, 2022. the process of settling
Bankrupt with Curators Artanta bankruptcy assets.
Barus & Roy Pakpahan
3 PERKARA NOMOR | CASE NUMBER: PT Kemasan Lestari diputus Pailit Bank sebagai Kreditur Telah Diputus Pailit
46/Pdt.Sus-PKPU/2021/PN Niaga Sby oleh Pengadilan Negeri Surabaya, Separatis memiliki Has Been Declared
tanggal 8 Oktober 2021, dengan Hak untuk mendapat Bankrupt.
Pemohon | Applicant Kurator: Toni Tryanto & Cakra pembagian dalam proses
PT Mulia Cipta Teknologi Octavianus pemberesan harta pailit.
Termohon Debitur | Respondent Debtor PT Kemasan Lestari was declared Banks as Separatist
PT Kemasan Lestari Bankrupt by the Surabaya District Creditors have the Right
Court, October 8, 2021, with to receive a share in
Curators: Toni Tryanto & Cakra the process of settling
Octavianus bankruptcy assets.
4 PERKARA NOMOR | CASE NUMBER: Bank Menolak proposal Bank sebagai Kreditur Homologasi telah
411/Pdt.Sus-PKPU/2021/PN Niaga Jkt.Pst perdamaian, namun perdamaian Separatis memiliki disahkan
(homologasi) terjadi sesuai aturan Hak untuk mendapat Homologation has
Pemohon sekaligus Termohon Debitur pada tanggal 22 Agustus 2022 pembagian dalam proses been confirmed.
Applicant as well as Respondent Debtor The Bank Rejects the reconciliation pemberesan harta pailit.
Franky Tjahyadikarta proposal, but peace (homologation)
Banks as Separatist
occurs according to the rules on
August 22, 2022. Creditors have the Right
to receive a share in
the process of settling
bankruptcy assets.
5 PERKARA NOMOR | CASE NUMBER: Debitur putus PKPU pada tanggal Bank sebagai Kreditur Homologasi telah
453/Pdt.Sus-PKPU/2021/PN.Niaga.Jkt.Pst 28 Des 2021. Separatis menyepakati disahkan
Debtor declare Postponement of untuk Homologasi. Homologation has
Pemohon | Applicant Debt Payment Obligation (PKPU) Banks as Separatist been confirmed.
Salam Amin on December 28, 2021. Creditors agree to
Termohon | Respondent
Homologation
PT Indoserena Dwimakmur
* Perkara-perkara diatas ialah seluruh perkara PKPU & Pailit yang telah diputus (beberapa masih ada dalam tahap pemberesan harta pailit)
* The cases above are all Suspension of Debt Payment Obligations (PKPU) and Bankruptcy cases that have been decided (some are still in the
bankruptcy estate settlement stage)
254 Laporan Tahunan 2023 Annual Report
Page 257
D. Perkara Pidana yang Dalam Proses Penyelesaian
D. Criminal Cases in the Process of Settlement
Pengaruhnya
Status
terhadap Kondisi
Penyelesaian
Pihak yang Berpekara Pokok Perkara/Gugatan Perseroan
No Perkara/Gugatan
Litigant Parties Main Case/Lawsuit The Influence on
Case/Lawsuit
the Condition of the
Settlement Status
Company
1 Pelapor | Reporter Dugaan Tindak Pidana Perbankan Masih dalam proses Tahapan
Siti Juleha Alleged Crime of Embezzlement Still in process Penyelidikan
Investigation Stages
Terlapor | Reported
Bank
2 Pelapor | Reporter Dugaan Tindak Pidana Penggelapan Masih dalam proses Tahapan
Bank Alleged Crime of Embezzlement Still in process Penyelidikan
Investigation Stages
Terlapor | Reported
Andika Mulya
3 Pelapor | Reporter Dugaan Tindak Pidana Perbankan Masih dalam proses Tahapan
Andrew Alleged Crime of Embezzlement Still in process Penyelidikan
Investigation Stages
Terlapor | Reported
Bank
4 Pelapor | Reporter Dugaan Tindak Pidana Penipuan Masih dalam proses Tahapan
Bank Alleged Crime of Embezzlement Still in process Penyelidikan
Investigation Stages
Terlapor | Reported
Notaris Agus Aditya Harimayana
SANKSI ADMINISTRASI ADMINISTRATIVE SANCTIONS
Selama tahun 2023 tidak ada sanksi administratif yang During 2023, there was no administrative sanctions given
diberikan kepada anggota Dewan Komisaris maupun oleh to members of the Board of Commissioners or the Board of
Direksi. Namun terdapat sanksi administratif berupa denda Directors. However, there were administrative sanctions in
kepada OK BANK, sebagai berikut: the form of fines to OK BANK, as follows:
Besaran Sanksi
Tanggal Surat Uraian Instansi
No Amount of
Date Description Institution
Sanction
1 18 Januari 2023 Penetapan Sanksi Administratif Berupa Denda SLIK OJK Rp. 47.550.000
January 18, 2023 Determination of Administrative Sanctions in the Form of SLIK Fines
2 13 Februari 2023 Pengenaan Sanksi Administrasi Berupa Denda atas Kesalahan Laporan OJK Rp. 200.000,-
February 13, 2023 Sumber Daya Manusia Perbankan Indonesia pada Aplikasi Pelaporan
Online OJK periode Semester I 2022 - PT Bank Oke Indonesia, Tbk.
Imposition of Administrative Sanctions in the Form of Fines for Errors
in Indonesian Banking Human Resources Reports on the OJK Online
Reporting Application for Semester I 2022 - PT Bank Oke Indonesia, Tbk.
3 28 Februari 2023 Pengenaan Sanksi Administrasi Berupa Denda terhadap Keterlambatan BI Rp. 150.000,-
February 28, 2023 Koreksi penyampaian Kelompok Informasi (KI) Harian LBUT PT Bank Oke
Indonesia, Tbk.
Imposition of Administrative Sanctions in the Form of Fines for Delays in
Correcting Submission of the LBUT Daily Information Group (KI) PT Bank
Oke Indonesia, Tbk.
4 30 Maret 2023 Pengenaan Sanksi Administrasi Berupa Denda terhadap Keterlambatan OJK Pengawasan/ Rp. 100.000,-
March 30, 2023 Koreksi dan Kesalahan Informasi Laporan Debitur oleh PT Bank Oke OJK Supervision
Indonesia, Tbk.
Imposition of Administrative Sanctions in the Form of Fines for Delays
in Correction and Misinformation in Debtor Reports by PT Bank Oke
Indonesia, Tbk.
5 04 Mei 2023 Laporan Bank Umum Terintegrasi (LBUT) KI Keuangan Harian PT Bank Oke BI Rp.2.000.000
May 04, 2023 Indonesia, Tbk.
Integrated Commercial Bank Report (LBUT) KI Daily Finance PT Bank Oke
Indonesia, Tbk.
PT BANK OKE INDONESIA Tbk 255
Page 258
Tata Kelola Perusahaan
Corporate Governance
Besaran Sanksi
Tanggal Surat Uraian Instansi
No Amount of
Date Description Institution
Sanction
6 12 Mei 2023 Pengenaan Sanksi Administrasi Berupa Denda terhadap Keterlambatan BI Rp.2.000.000
May 12, 2023 Koreksi penyampaian Kelompok Informasi (KI) Harian LBUT PT Bank Oke
Indonesia, Tbk.
Imposition of Administrative Sanctions in the Form of Fines for Delays in
Correcting Submission of the LBUT Daily Information Group (KI) PT Bank
Oke Indonesia, Tbk.
7 19 Oktober 2023 Sanksi Laporan Bank Umum Terintegrasi (LBUT) PT Bank Oke Indonesia, BI Rp.5.000.000
October 19, 2023 Tbk.
Sanctions for Integrated Commercial Bank Reports (LBUT) PT Bank Oke
Indonesia, Tbk.
8 21 Desember 2023 Penetapan Sanksi Administratif Berupa Denda Hasil Pemeriksaan (SLIK) OJK Rp.50.000.000
December 21, 2023 Determination of Administrative Sanctions in the Form of Fines from
Examination Results (SLIK)
AKSES INFORMASI DAN DATA PERUSAHAAN ACCESS COMPANY INFORMATION AND DATA
OK Bank menyediakan akses dan kemudahan informasi bagi OK Bank provides easy access and information for
para pemangku kepentingan melalui media komunikasi stakeholders through communication media such as
seperti siaran pers, media sosial, buletin, laporan tahunan press releases, social media, bulletins, annual reports and
maupun laporan keberlanjutan. Akses Informasi maupun sustainability reports. Access Information and data related
data terkait corporate action dapat diakses melalui situs to corporate actions can be accessed via the official OK
resmi website OK BANK di www.okbank.co.id yang disajikan BANK website at www.okbank.co.id which is presented in
baik dalam bahasa Indonesia maupun bahasa Inggris. both Indonesian and English.
SHARE OPTION YANG DIMILIKI DIREKSI, DEWAN SHARE OPTIONS OF THE BOARD OF DIRECTORS,
KOMISARIS, DAN PEJABAT EKSEKUTIF BOARD OF COMMISSIONERS, AND EXECUTIVE
OFFICERS
Sampai dengan 31 Desember 2023 OK BANK belum pernah As of December 31, 2023, OK BANK has never issued a policy
mengeluarkan kebijakan tentang program share option regarding the share option program (share ownership)
(kepemilikan saham) oleh Direksi, Dewan Komisaris dan by the Board of Directors, Board of Commissioners and
Pejabat Eksekutif. Executive Officers.
Jumlah Saham yang
Dimiliki (lembar
Nama/Keterangan Jumlah Opsi Harga Opsi Jangka
saham)
Name/Description Number of Options (Rupiah) Waktu
Number of Shares
Owned (shares)
Yang Diberikan Yang Telah Dieksekusi
Given Executed
Komisaris - - - - -
Commissioner
Direksi - - - - -
Directors
Direksi - - - - -
Directors
Jumlah - - - - -
Total
PEMBELIAN KEMBALI (BUYBACK) SAHAM DAN/ BUYBACK OF SHARES AND/OR BANK BOND
ATAU OBLIGASI BANK During 2023, OK BANK did not adopt a policy of buying
Selama tahun 2023 OK BANK tidak mengambil kebijakan back shares and to date the Bank has never issued bonds.
melakukan buyback Saham dan sampai saat ini Bank belum
pernah menerbitkan Obligasi.
256 Laporan Tahunan 2023 Annual Report
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TRANSAKSI AFILIASI DAN TRANSAKSI BENTURAN AFFILIATE TRANSACTIONS AND CONFLICT OF
KEPENTINGAN INTEREST TRANSACTIONS
TRANSAKSI AFILIASI AFFILIATE TRANSACTIONS
Transaksi afiliasi yang dilakukan dengan pihak terafiliasi Affiliated transactions conducted with affiliated parties
dilakukan dalam rangka kegiatan normal usaha untuk are carried out within the framework of normal business
kepentingan bisnis OK BANK. Seluruh transaksi afiliasi activities for OK BANK’s business interests. All affiliate
yang terjadi di tahun 2023 telah melalui prosedur yang transactions occurring in 2023 have gone through
sesuai dengan kebijakan terkait transaksi afiliasi yang telah procedures in accordance with the policies regarding
ditetapkan Perseroan. affiliate transactions that have been established by the
Company.
Tanggal Jenis Transaksi Pihak Terafiliasi Nilai Transaksi Sifat Hubungan
Date Type of Transaction Affiliated Parties Transaction Value Nature of Relationship
24 Juli 2023 Fasilitas Pinjaman Rekening PT Oke Asset Rp 345.000.000.000.- Hubungan afiliasi antara Perseroan dan
July 24, 2023 Koran Indonesia PT Oke Asset Indonesia didasarkan pada
Account Loan hubungan antara 2 (dua) perusahaan yang
dikendalikan secara langsung oleh pihak yang
Facility
sama yaitu OK Next Co, Ltd.
The affiliate relationship between the
Company and PT Oke Asset Indonesia is
based on the relationship between2 (two)
companies that are directly controlled by the
same party, namely OK Next Co, Ltd.
TRANSAKSI YANG MENGANDUNG BENTURAN TRANSACTIONS CONTAINING CONFLICT OF
KEPENTINGAN INTEREST
Selama tahun 2023, tidak ada pengambilan keputusan During 2023, there was no decision making was made by
yang diwarnai benturan kepentingan antar pengurus, conflict of interest between the management, including
termasuk benturan kepentingan yang dapat merugikan conflicts of interest that could harm or reduce the Bank’s
atau menurunkan keuntungan Bank. profits.
Nama dan Jabatan Nama dan Jabatan
Nilai Transaksi (Jutaan
yang Memiliki Benturan Pengambil Jenis Transaksi
Rp) Keterangan
No. Kepentingan Keputusan Type of
Transaction Value (Million Information
Name and Position with Name and Position of Transaction
Rp)
Conflict of Interest Decision Maker
- - - - - -
PEMBERIAN DANA UNTUK KEGIATAN SOSIAL PROVISION OF FUNDS FOR SOCIAL POLITICAL
POLITIK ACTIVITIES
OK Bank tidak memberikan dana untuk kegiatan politik OK Bank did not provide funds for political activities during
selama tahun 2023, sedangkan untuk kegiatan sosial 2023, while for social activities, it was channeled through
disalurkan melalui program Corporate Social Responsibility the Corporate Social Responsibility (CSR) program.
(CSR).
KODE ETIK & BUDAYA PERUSAHAAN CODE OF CONDUCTS & CORPORATE CULTURE
Untuk memastikan kegiatan operasional Perseroan pada To ensure that the Company’s operational activities in
seluruh lini aktifitas berjalan secara tertib, konsisten dan all lines of activity run in an orderly, consistent manner
terbebas dari unsur risiko yang dapat merugikan Perseroan and are free from elements of risk that could harm the
baik secara material maupun immaterial maka perlu Company both materially and immaterially, it is necessary
diterapkan standar etika sesuai dengan Kode Etik Perilaku to apply ethical standards in accordance with the Employee
Karyawan demi menunjang terlaksananya Tata Kelola Behavior to support the implementation of Good Corporate
Perusahaan yang Baik. Governance.
PT BANK OKE INDONESIA Tbk 257
Page 260
Tata Kelola Perusahaan
Corporate Governance
Kode Etik merupakan panduan bagi setiap karyawan The Code of Ethics is a guide for every employee of the
Perseroan dalam bersikap dan bertindak yang sesuai Company in behaving and acting in accordance with moral
dengan prinsip-prinsip moral atau nilai-nilai mengenai hal principles or values regarding things that are considered
yang dianggap baik dan tidak baik, serta hal-hal yang benar good and bad, as well as things that are right and wrong
dan tidak benar atau bertentangan dengan budaya serta or contrary to local culture and values. The existence of
nilai-nilai lokal. Keberadaan Kode Etik Perilaku Karyawan the Code of Ethics for Employee Behavior can serve as a
diharapkan dapat menjadi panduan bagi karyawan untuk guide for employees to always be careful in every service
selalu bersikap hati-hati dalam setiap pelayanan atau or carrying out activities that have the potential to pose
menjalankan kegiatan yang berpotensi menimbulkan risiko risks and support the creation of a conducive working
serta mendukung terciptanya suasana kerja yang kondusif. atmosphere.
Sosialisasi kode etik dan upaya penegakannya Bank Socialization of the code of ethics and efforts to enforce it.
melakukan sosialisasi kode etik kepada seluruh karyawan The Bank conducts socialization of the code of ethics to all
dalam bentuk e-mail, tatap muka serta dilanjutkan dengan employees in the form of emails, face to face and followed
penandatanganan piagam kode etik bagi seluruh karyawan, by the signing of a code of ethics charter for all employees,
Direksi dan Anggota Dewan Komisaris. the Board of Directors and Members of the Board of
Commissioners.
Upaya penegakan kode etik dilakukan dengan disiplin Efforts to enforce the code of ethics are implemented with
sejalan dengan nilai-nilai kode etik itu sendiri yaitu dengan discipline in line with the values of the code of ethics itself,
cara pemberian sanksi terhadap pelanggaran kode etik namely by providing sanctions for violations of the code
tersebut. of ethics.
KODE ETIK CODE OF ETHICS
• Seorang bankir patuh dan taat pada ketentuan • A banker obeys and complies with the provisions of
perundang-undangan dan peraturan yang berlaku; applicable laws and regulations;
• Seorang bankir melakukan pencatatan yang benar • A banker keeps proper records of all transactions
mengenai segala transaksi yang berhubungan dengan related to his/her bank’s activities;
kegiatan banknya;
• Seorang bankir menghindarkan diri dari persaingan • A banker refrains from unfair competition;
yang tidak sehat;
• Seorang bankir tidak menyalahgunakan wewenangnya • A banker does not abuse his/her authority for personal
untuk kepentingan pribadi; gain;
• Seorang bankir menghindarkan diri dari keterlibatan • A banker refrains from any involvement in decision
pengambilan keputusan dalam hal terdapat making in the event of conflict of interest;
pertentangan kepentingan;
• Seorang bankir menjaga kerahasiaan nasabah dan • A banker maintains the confidentiality of his/her
banknya; customers and the bank;
• Seorang bankir memperhitungkan dampak yang • A banker takes into account the adverse impact of any
merugikan dari setiap kebijakan yang ditetapkan policy adopted by his/her bank on economic, social and
banknya terhadap keadaan ekonomi, sosial dan environmental conditions;
lingkungan;
• Seorang bankir tidak menerima hadiah atau imbalan • A banker does not accept gifts or rewards that enrich
yang memperkaya diri pribadi maupun keluarganya; himself/herserlf or his/her family;
• Seorang bankir tidak melakukan perbuatan tercela. • A banker does not commit a disgraceful act.
258 Laporan Tahunan 2023 Annual Report
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SISTEM PELAPORAN PELANGGARAN VIOLATION REPORTING SYSTEM
Dalam rangka penerapan Tata Kelola Bank, pelaksanaan In the context of implementing Bank Governance,
prinsip kehati-hatian serta dukungan Manajemen terhadap implementing prudential principle and supporting
penerapan anti fraud maka Bank telah membentuk saluran Management for anti-fraud implementation, the Bank
pengaduan fraud melalui Whistleblowing System (WBS). has established a fraud complaint channel through the
WBS didesign sedemikian rupa untuk memberikan jaminan Whistleblowing System (WBS). The WBS is designed
keamanan serta kerahasiaan bagi penyampaian informasi in such a way as to provide guarantees of security and
adanya segala bentuk penyimpangan/pelanggaran kode confidentiality for information regarding all forms of
etik dan tindakan/kejadian yang diindikasikan sebagai irregularities/violations of the code of ethics and actions/
bentuk kecurangan (fraud) yang berpotensi merugikan Bank events indicated as a form of fraud that has the potential
serta mendorong peran aktif dan awareness seluruh jajaran to harm the Bank as well as encouraging an active role
Bank untuk melaporkan adanya tindak penyimpangan/ and awareness of all levels of the Bank to report any
pelanggaran tersebut. irregularities/violation acts.
CARA PENYAMPAIAN LAPORAN PELANGGARAN HOW TO SUBMIT VIOLATION REPORTS
Pengaduan terkait adanya pelanggaran serta indikasi Complaints related to violations and indications of
fraud dan/atau non fraud yang dapat merugikan baik fraud and/or non-fraud that could harm both customers
nasabah maupun OK BANK dapat disampaikan melalui and OK BANK can be submitted through the existing
“Whistleblowing System” yang ada, yaitu: “Whistleblowing System”, namely:
E-mail : ok-wbs@okbank.co.id E-mail : ok-wbs@okbank.co.id
Telepon : 021-231 2633 eks. 4000 Telephone : 021-231 2633 ext. 4000
PERLINDUNGAN BAGI PELAPOR PROTECTION FOR WHISTLEBLOWERS
Setiap laporan yang disampaikan akan senantiasa terjaga Every report submitted will always be kept confidential
kerahasiaanya dan apabila terdapat bukti yang meyakinkan and if there is convincing evidence, a further investigation
maka proses investigasi lanjutan akan dilakukan dengan process will be conducted while keeping the identity of
tetap merahasiakan identitas pelapor dan isi laporan. the reporter and the contents of the report confidential.
Punishment akan ditetapkan kepada seluruh pihak yang Punishments will be determined for all parties proven to
terbukti melakukan pelanggaran. have committed violations.
PENANGANAN LAPORAN PELANGGARAN HANDLING OF VIOLATION REPORTS
Pengaduan atas tindakan fraud maupun dugaan fraud Complaints regarding fraudulent acts or suspected fraud
dilaporkan melalui saluran WBS yang dikelola oleh Fraud & are reported through the WBS channel which is managed
Corruption Management Division sebagai Unit Anti Fraud by the Fraud & Corruption Management Division as an Anti-
yang ditetapkan oleh Bank. Fraud Unit established by the Bank.
JUMLAH LAPORAN TAHUN 2023 DAN NUMBER OF REPORTS IN 2023 AND THEIR
TINDAKLANJUTNYA FOLLOW-UP
Selama tahun 2023 tidak terdapat pengaduan yang masuk During 2023, there were no complaints submitted through
melalui saluran WBS untuk dapat diproses lebih lanjut. the WBS channel for further processing.
KEBIJAKAN ANTI-KORUPSI ANTI-CORRUPTION POLICY
Perseroan berkomitmen untuk menciptakan organisasi The Company is committed to creating a clean organization
yang bersih yang bebas dari praktik Korupsi, Kolusi dan that is free from Corruption, Collusion and Nepotism (KKN)
Nepotisme (KKN). Perseroan berupaya untuk menutup practices. The Company seeks to close all gaps that allow
semua celah yang memungkinkan terjadinya praktik KKN KKN practices to occur within OK BANK through the
di lingkungan OK BANK melalui penerapan kebijakan yang implementation of policies that have been established
telah ditetapkan secara sungguh-sungguh. Perseroan akan seriously. The Company will provide strict sanctions against
memberikan sanksi yang tegas terhadap segala bentuk all forms of KKN practices involving OK BANK personnel.
praktik KKN yang melibatkan insan OK BANK.
PT BANK OKE INDONESIA Tbk 259
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Tata Kelola Perusahaan
Corporate Governance
PROGRAM DAN PROSEDUR YANG DILAKUKAN PROGRAMS AND PROCEDURES CARRIED
DALAM MENGATASI PRAKTIK KORUPSI, BALAS OUT IN OVERCOMING CORRUPT PRACTICES,
JASA (KICKBACKS), FRAUD, SUAP, DAN/ATAU KICKBACKS, FRAUD, BRIBERY AND/OR
GRATIFIKASI GRATUITIES
Pelaksanaan pencegahan korupsi, balas jasa (kickbacks), The Company has implemented the prevention of corruption,
fraud, suap, dan/atau gratifikasi telah dilaksanakan kickbacks, fraud, bribery and/or gratuities both directly and
Perseroan baik secara langsung maupun tidak langsung, indirectly, including through the implementation of Risk
antara lain melalui penerapan Manajemen Risiko khususnya Management, especially the internal control system, and
sistem pengendalian intern, dan pelaksanaan Tata Kelola the implementation of Good Corporate Governance (CGC).
Perusahaan yang Baik (CGC).
Upaya peningkatan sadar risiko juga benar-benar menjadi Efforts to increase risk awareness are also really the focus
fokus perhatian dan menjadi budaya di OK BANK pada of attention and become a culture at OK BANK at all levels
seluruh jajaran organisasi, baik oleh Direksi, Dewan of the organization by the Board of Directors, Board of
Komisaris dan pegawai yang antara lain diwujudkan dengan Commissioners and employees, which among other things
penandatanganan pakta integritas oleh seluruh Insan OK is manifesting by signing of an integrity pact by all OK BANK
BANK. personnel.
Perseroan juga memiliki Fraud & Corruption Management The Company also has established a Fraud & Corruption
Division (FCMD) yang berfungsi untuk mengkoordinir Management Division (FCMD) which functions to
Strategi Anti Fraud dengan memastikan dan mengawasi coordinate the Anti-Fraud Strategy by ensuring and
pelaksanaan penerapan 4 (empat) pilar Strategi Anti Fraud overseeing the implementation of the 4 (four) interrelated
yang saling berkaitan, yaitu: pillars of the Anti-Fraud Strategy, namely:
1. Pencegahan 1. Prevention
2. Deteksi 2. Detection
3. Investigasi, pelaporan, dan sanksi; dan 3. Investigation, reporting and sanctions; and
4. Pemantauan, evaluasi, dan tindak lanjut 4. Monitoring, evaluation and follow-up
PELATIHAN/SOSIALISASI ANTIKORUPSI KEPADA ANTI-CORRUPTION TRAINING/SOCIALIZATION
KARYAWAN FOR EMPLOYEES
Sosialisasi dan edukasi serta kampanye kesadaran anti Socialization and education as well as anti-fraud awareness
fraud dilakukan melalui media tatap muka (sharing session) campaigns are conducted through face-to-face media
maupun melalui e-mail. (sharing sessions) and via e-mail.
PENERAPAN ATAS PEDOMAN TATA KELOLA IMPLEMENTATION OF CORPORATE
PERUSAHAAN. GOVERNANCE GUIDELINES.
Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 21/ Pursuant to Financial Services Authority Regulation Number
POJK.04/2015 tentang Penerapan Pedoman Tata Kelola 21/POJK.04/2015 concerning Implementation of Public
Perusahaan Terbuka dan Surat Edaran Otoritas Jasa Company Governance Guidelines and Financial Services
Keuangan Nomor 32/SEOJK.04/2015 tentang Pedoman Tata Authority Number 32/SEOJK.04/2015 on Public Company
Kelola Perusahaan Terbuka, pedoman tata kelola mencakup Governance Guidelines, the governance guidelines include
5 (lima) aspek, 8 (delapan) prinsip dan 25 (dua puluh lima) 5 (five) aspects, 8 (eight) principles and 25 (twenty five)
rekomendasi penerapan aspek dan prinsip Tata Kelola recommendations for the implementation of Good
Perusahaan yang Baik. Corporate Governance aspects and principles.
Rekomendasi penerapan aspek dan prinsip Tata Kelola Recommendations for the implementation of Good
Perusahaan yang Baik dalam Pedoman Tata Kelola adalah Corporate Governance aspects and principles in the
standar penerapan aspek dan prinsip Tata Kelola Perusahaan Governance Guidelines are standards for implementing
yang Baik yang harus diterapkan oleh Perseroan. Good Corporate Governance aspects and principles that
must be applied by the Company.
260 Laporan Tahunan 2023 Annual Report
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Prinsip Rekomendasi Penjelasan Penerapan di OK BANK Keterangan
No.
Principle Recommendation Implementation Explanation at OK BANK Information
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam menjamin hak-hak Pemegang Saham.
I
Aspect 1: The relationship between the Public Company and the Shareholders in guaranteeing the rights of the Shareholders.
Prinsip 1 1. Perusahaan Terbuka memiliki cara Teknis pengumpulan suara dalam RUPS diatur
Meningkatkan Nilai atau prosedur teknis pengumpulan dalam Tata Tertib RUPS (dibacakan sebelum
Penyelenggaraan RUPS suara (voting) baik secara penyelenggaraan RUPS) dan dalam Anggaran
Principle 1 terbuka maupun tertutup yang Dasar untuk mengedepankan independensi dan
Increasing the Value of mengedepankan independensi dan kepentingan pemegang saham. Sebagai bentuk
the GMS kepentingan pemegang saham. transparansi perseroan, pemegang saham dan
A Public Company has a technical masyarakat luas dapat mengunduh hasil RUPS
method or procedure for voting, both OK BANK pada situs web www.okbank.co.id.
openly and privately, that prioritizes RUPST dan RUPSLB dilaksanakan pada tanggal 11
the independence and interests of Mei 2023. Pengambilan keputusan seluruh mata
shareholders. acara dilakukan berdasarkan musyawarah untuk
mufakat, dalam hal musyawarah untuk mufakat
tidak tercapai pengambilan keputusan dilakukan
dengan pemungutan suara. Pemungutan suara
mengenai usul yang diajukan dalam setiap mata
acara Rapat dilakukan secara lisan dengan metode
pooling suara yang dilakukan dengan cara para
pemegang saham atau kuasa yang mewakilinya
yang tidak setuju atau abstain terhadap usul yang
diajukan mengangkat tangan untuk menyerahkan
surat suara dan kemudian surat suara dihitung
oleh Notaris. Suara abstain mengikuti suara
terbanyak antara suara setuju dan suara tidak
setuju untuk masing-masing agenda Rapat.
The technique for collecting votes at the GMS
is regulated in the GMS Rules of Conduct (read
out before the GMS is held) and in the Articles
of Association to promote the independence and
interests of shareholders. As a form of company
transparency, shareholders and the general public
can download the results of the OK BANK GMS
on the website www.okbank.co.id. The AGMS and
EGMS were held on May 11, 2023. Decisions for all
agenda items were made based on deliberation
to reach consensus, in the event that deliberation
to reach consensus was not reached, decision was
made by voting. Voting regarding the proposals
submitted in each agenda item of the Meeting
is carried out orally using the voting method
which is carried out by means of shareholders or
their proxies who disagree or abstain from the
proposed proposals raising their hands to submit
ballots and then the ballots are counted by Notary
Public. Abstain votes follow the majority vote
between the vote agree and the vote disagre for
each Meeting agenda.
2. Seluruh anggota Direksi dan anggota Kehadiran anggota Direksi dan Dewan Komisaris
Dewan Komisaris Perusahaan pada saat RUPST dan RUPSLB pada tanggal 11 Mei
Terbuka hadir dalam RUPS Tahunan. 2023 yang hadir 3 (tiga) anggota Direksi dan 2
All members of the Board of Directors (dua) anggota Dewan Komisaris. Seluruhnya hadir
and members of the Board of secara fisik kecuali Komisaris Utama melalui zoom.
Commissioners of a Public Company The presence of members of the Board of Directors
attend the Annual GMS. and Board of Commissioners at the AGMS and
EGMS on May 11 2023, which were attended by
3 (three) members of the Board of Directors and
2 (two) members of the Board of Commissioners.
All of them were physically present except the
President Commissioner via zoom.
3. Ringkasan risalah RUPS tersedia Ringkasan Risalah RUPS telah dipublikasikan
dalam Situs Web Perusahaan Terbuka dalam situs web perseroan dan tersedia selama
paling sedikit selama 1 (satu) tahun. lebih dari 1 (satu) tahun.
A summary of the minutes of the The summary of the minutes of the GMS has
GMS is available on the Public been published on the company's website and is
Company Website for at least 1 (one) available for more than 1 (one) year.
year.
PT BANK OKE INDONESIA Tbk 261
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Tata Kelola Perusahaan
Corporate Governance
Prinsip Rekomendasi Penjelasan Penerapan di OK BANK Keterangan
No.
Principle Recommendation Implementation Explanation at OK BANK Information
Prinsip 2 Meningkatkan 4. Perusahaan Terbuka memiliki suatu Kebijakan komunikasi dengan Pemegang Saham
Kualitas Komunikasi kebijakan komunikasi dengan atau investor melalui situs web OK BANK bagian
Perusahaan Terbuka pemegang saham atau investor. hubungan investor dan dalam Laporan Tahunan
dengan Pemegang The Public Company has established yang dikirimkan kepada Pemegang Saham atau
Saham atau Investor. a communication policy with Investor.
Principle 2 shareholders or investors. Communication policy with Shareholders or
Improving the Quality investors through the website of OK BANK in
of Public Company the investor relations section and in the Annual
Communication with Report sent to Shareholders or Investors.
Shareholders or Investors.
5. Perusahaan Terbuka mengungkapkan Perseroan telah mengungkapkan kebijakan
kebijakan komunikasi Perusahaan komunikasi dengan Pemegang Saham dalam
Terbuka dengan pemegang saham situs web OK BANK pada https:// www.okbank.
atau investor dalam Situs Web. co.id
The Public Company discloses the The Company has disclosed its communication
Public Company's communication policy with Shareholders on the OK BANK
policies with shareholders or website at https://www.okbank.co.id
investors on the Website
Aspek 2: Fungsi dan Peran Dewan Komisaris
II
Aspect 2: Functions and Roles of the Board of Commissioners
Prinsip 3 6. Penentuan jumlah anggota Dewan Penentuan jumlah anggota Dewan Komisaris
Memperkuat Komisaris mempertimbangkan telah mempertimbangkan kondisi OK BANK. Posisi
Keanggotaan dan kondisi Perusahaan Terbuka. anggota Dewan Komisaris per 31 Desember 2023
Komposisi Dewan The determination of the number adalah sebanyak 3 (tiga) orang anggota termasuk
Komisaris of members of the Board of 2 (dua) anggota Komisaris Independen.
Principle 3 Commissioners takes into account The determination of the number of members
Strengthening the the conditions of the Public of the Board of Commissioners has taken into
Membership and Company. account the condition of OK BANK. The position
Composition of the Board of the members of the Board of Commissioners
of Commissioners. as of December 31, 2023 is 3 (three) members
including 2 (two) Independent Commissioners.
7. Penentuan komposisi anggota Penentuan Komposisi anggota Dewan Komisaris
Dewan Komisaris memperhatikan telah memperhatikan keberagaman, keahlian,
keberagaman keahlian, pengetahuan pengetahuan dan pengalaman yang dibutuhkan
dan pengalaman yang dibutuhkan. yang berdasarkan rekomendasi dari Komite
The determination of the Remunerasi dan Nominasi.
composition of the members of the The determination of the composition of the
Board of Commissioners takes into members of the Board of Commissioners has
account the diversity of expertise, taken into account the diversity, expertise,
knowledge and experience required. knowledge and experience required based on
recommendations from the Remuneration and
Nomination Committee.
Prinsip 4 Meningkatkan 8. Dewan Komisaris mempunyai Dewan Komisaris mempunyai kebijkan penilaian
Kualitas Pelaksanaan kebijakan penilaian sendiri (Self- sendiri (self-assessment) untuk menilai kinerja
Tugas dan Tanggung Assessment) untuk menilai kinerja Dewan Komisaris.
Jawab Dewan Komisaris. Dewan Komisaris. The Board of Commissioners has a self-assessment
Principle 4 The Board of Commissioners has policy to assess the performance of the Board of
Improving the established a self-assessment policy Commissioners.
Quality of Duties and to assess the performance of the
Responsibilities of the Board of Commissioners.
Board of Commissioners.
9. Kebijakan penilaian sendiri (Self- Kebijakan penilaian sendiri (self-assessment)
Assessment) untuk menilai kinerja untuk menilai kinerja Dewan Komisaris,
Dewan Komisaris, diungkapkan diungkapkan melalui Laporan Tahunan Perseroan.
melalui Laporan Tahunan Perusahaan The self-assessment policy to assess the
Terbuka. performance of the Board of Commissioners is
The self-assessment policy to assess disclosed through the Company's Annual Report.
the performance of the Board of
Commissioners is disclosed through
the Public Company Annual Report.
10. Dewan Komisaris mempunyai Dewan Komisaris mempunyai kebijakan terkait
kebijakan terkait pengunduran diri pengunduranan diri anggota Dewan komisaris
anggota Dewan Komisaris apabila apabila terlibat dalam kejahatan keuangan.
terlibat dalam kejahatan keuangan. The Board of Commissioners has a policy
The Board of Commissioners has regarding the resignation of members of the
established a policy regarding the Board of Commissioners if they are involved in
resignation of members of the Board financial crimes.
of Commissioners if they are involved
in financial crimes.
262 Laporan Tahunan 2023 Annual Report
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Prinsip Rekomendasi Penjelasan Penerapan di OK BANK Keterangan
No.
Principle Recommendation Implementation Explanation at OK BANK Information
11. Dewan Komisaris atau Komite yang Komite Remunerasi dan Nominasi menyusun
menjalankan fungsi Nominasi dan kebijakan suksesi dalam proses Nominasi anggota
Remunerasi menyusun kebijakan Direksi yaitu pemberian rekomendasi mengenai
suksesi dalam proses Nominasi pemilihan dan/atau penggantian anggota Direksi
anggota Direksi. kepada Dewan Komisaris untuk disampaikan
The Board of Commissioners or dalam RUPS.
the Committee that carries out The Remuneration and Nomination Committee
the Nomination and Remuneration formulates a succession policy in the nomination
function shall formulate a succession process for members of the Board of Directors,
policy in the process of nominating namely providing recommendations regarding the
members of the Board of Directors. selection and/or replacement of members of the
Board of Directors to the Board of Commissioners
to be submitted at the GMS.
Aspek 3: Fungsi dan Peran Direksi
III
Aspect 3: Functions and Roles of the Board of Directors
Prinsip 5 12. Penentuan jumlah anggota Direksi Penentuan jumlah anggota Direksi telah
Memperkuat mempertimbangkan kondisi mempertimbangkan Kondisi BANK OKE serta
Keanggotaan dan Perusahaan Terbuka serta efektivitas efektivitas dalam pengambilan keputusan.
Komposisi Direksi dalam pengambilan keputusan. Penentuan jumlah anggota Direksi diusulkan oleh
Principle 5 The determination of the number of Komite Remunerasi dan Nominasi kepada Dewan
Strengthening the members of the Board of Directors Komisaris untuk dimintakan persetujuan kepada
Membership and takes into account the conditions RUPS. Posisi anggota Direksi per 31 Desember
Composition of the Board of the Public Company and the 2023 adalah sebanyak 5 (lima) orang.
of Directors. effectiveness in making decisions. The determination of the number of members
of the Board of Directors has taken into account
. the Bank's condition and effectiveness in decision
making. The determination of the number of
members of the Board of Directors is proposed
by the Remuneration and Nomination Committee
to the Board of Commissioners for approval at
the GMS. The position of members of the Board
of Directors as of December 31, 2023 is 5 (five)
people.
13. Penentuan komposisi anggota Direksi Penentuan komposisi anggota direksi berdasarkan
memperhatikan, keberagaman usulan dari Komite Remunerasi dan Nominasi
keahlian, pengetahuan dan kepada Dewan Komisaris untuk dimintakan
pengalaman yang dibutuhkan. persetujuan RUPS telah memperhatikan,
The determination of the keberagaman keahlian, pengetahuan dan
composition of the members of the pengalaman yang dibutuhkan.
Board of Directors takes into account Determination of the composition of the
the diversity of expertise, knowledge members of the the Board of Directors based
and experience required. on the recommendation from the Remuneration
and Nomination Committee to the Board of
Commissioners for approval from the GMS has
taken into account the diversity of expertise,
knowledge and experience required.
14. Anggota Direksi yang membawahi Anggota Direksi yang membawahi bidang
bidang akuntansi atau keuangan akuntasi atau keuangan memiliki keahlian dan/
memiliki keahlian dan/atau atau pengetahuan di bidang akuntansi.
pengetahuan di bidang akuntansi. Members of the Board of Directors in charge of
Members of the Board of Directors accounting or finance have expertise and/or
in charge of accounting or finance knowledge in accounting.
have expertise and/or knowledge in
accounting.
Prinsip 6 15. Direksi mempunyai kebijakan Direksi mempunyai kebijakan penilaian sendiri
Meningkatkan Kualitas penilaian sendiri (Self-Assessment) (self-assessment) untuk menilai kinerja Direksi.
Pelaksanaan Tugas dan untuk menilai kinerja Direksi. Self-assessment dilakukan minimal 1 (satu) kali
Tanggung Jawab Direksi. The Board of Directors has dalam 1 (satu) tahun. Kriteria atau tolak ukur yang
Principle 6 established a self-assessment policy digunakan mengacu pada Rencana Bisnis Bank
Improving the to assess the performance of the yang telah disetujui oleh Dewan Komisaris.
Quality of Duties and Board of Directors. The Board of Directors has established a self-
Responsibilities of the assessment policy to assess the performance of
Board of Directors. the Board of Directors. Self-assessment is carried
out at least 1 (one) time in 1 (one) year. The criteria
or benchmarks used refer to the Bank's Business
Plan which has been approved by the Board of
Commissioners.
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Tata Kelola Perusahaan
Corporate Governance
Prinsip Rekomendasi Penjelasan Penerapan di OK BANK Keterangan
No.
Principle Recommendation Implementation Explanation at OK BANK Information
16. Kebijakan penilaian sendiri (Self- Penilaian kinerja Direksi telah diungkapkan pada
Assessment) untuk menilai kinerja Laporan Tahunan Perusahaan Terbuka ini.
Direksi diungkapkan melalui laporan The performance appraisal of the Board of
tahunan Perusahaan Terbuka. Directors has been disclosed in this Public
The self-assessment policy to assess Company Annual Report.
the performance of the Board of
Directors is disclosed through the
Public Company's annual report.
17. Direksi mempunyai kebijakan terkait Direksi mempunyai kebijakan terkait pengunduran
pengunduran diri anggota Direksi diri anggota Direksi apabila terlibat dalam
apabila terlibat dalam kejahatan kejahatan keuangan
keuangan. The Board of Directors has a policy regarding the
The Board of Directors has resignation of members of the Board of Directors
established a policy regarding the if they are involved in financial crimes
resignation of members of the Board
of Directors if they are involved in
financial crimes.
Aspek 4: Partisipasi Pemangku Kepentingan
IV
Aspect 4: Stakeholder Participation
Prinsip 7 18. Perusahaan Terbuka memiliki Perseroan belum memiliki kebijakan untuk
Meningkatkan Aspek kebijakan untuk mencegah terjadinya mencegah terjadinya insider trading. Dikarenakan
Tata Kelola Perusahaan insider trading. transaksi saham memakai jasa pihak ketiga.
melalui Partisipasi The Public Company has established The Company has no policy to prevent the insider
Pemangku Kepentingan. a policy to avoid insider trading trading. It was due to third party services usage
Principle 7 occurred. for stock transactions.
Improving Corporate
Governance Aspects
through Stakeholder
Participation.
.
19. Perusahaan Terbuka memiliki Dalam rangka pelaksanaan anti korupsi dan anti
kebijakan anti korupsi dan anti fraud. fraud, Perseroan senantiasa mendukung penuh
The Public Company has established segala upaya untuk mengimplementasikan
anticorruption and anti-fraud strategi anti korupsi, anti fraud dan anti suap
policies. sebagaimana disampaikan dalam Pakta Integritas
Anti Fraud, Antikorupsi dan Anti Suap serta
Kebijakan Strategi Anti Fraud.
To implement anti-corruption and anti-fraud, the
Company continued its fully support to all efforts
to implement the strategy of anticorruption, anti-
fraud and anti-bribery as stated in the Integrity
Pact Anti-Fraud, Anti-Corruption and Anti-Bribery
and Strategic Policy Anti Fraud.
20.Perusahaan Terbuka memiliki Perseroan belum memiliki kebijakan tentang
kebijakan tentang seleksi dan seleksi dan peningkatan kemampuan pemasok
peningkatan kemampuan pemasok atau vendor. Sampai saat ini pemilihan vendor
atau vendor. berdasarkan persetujuan dari Direksi berdasarkan
The Public Company has established Resume yang dibuat oleh divisi yang bersangkutan
a policy on suppliers or vendors untuk pemilihan vendor.
selection and capacity building. The Company has no policy on suppliers or
vendors selection and capacity building. Up to
the date, the vendor’s selection has been based
on the approval of the Board of Directors based
on the resume made by the division concerned.
21. Perusahaan Terbuka memiliki Perseroaan menjamin pemenuhan hak-hak
kebijakan tentang pemenuhan hak- kreditur di antaranya hak untuk mendapatkan
hak kreditur. Laporan Tahunan dan dan Laporan Keuangan
The Public Company has established yang telah diaudit, hak untuk mendapatkan
a policy on the creditors’ rights informasi dan kemudahaan akses pengumuman,
fulfillment. pemanggilan dan hasil RUPS.
The Company guaranteed the creditors’ rights
fulfillment including the rights to obtain audited
Annual Reports and Financial Statements, the
rights to obtain information and ease of access
to announcements, summons and the results of
the GMS.
264 Laporan Tahunan 2023 Annual Report
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Prinsip Rekomendasi Penjelasan Penerapan di OK BANK Keterangan
No.
Principle Recommendation Implementation Explanation at OK BANK Information
22. Perusahaan Terbuka memiliki Bank telah menetapkan saluran penyampaian
kebijakan sistem Whistleblowing. pengaduan serta laporan dugaan fraud melalui
The Public Company has established Whistleblowing System (WBS). Pengaturan lebih
a Whistleblowing system policy. lanjut atas WBS tersebut manjadi bagian dari
Prosedur Anti Fraud. Saluran ini dikelola oleh
Divisi Internal Audit sebagai Unit Anti Fraud.
The Bank has established a channel for submitting
complaints and reports of suspected fraud
through the Whistleblowing system (WBS).
Further regulation of the WBS was part of the
Anti-Fraud Procedure. This channel is managed
by the Internal Audit Division as Anti-Fraud Unit.
23. Perusahaan Terbuka memiliki Perseroan telah mengungkapkan Kebijakan
kebijakan pemberian insentif Pemberian Insentif kepada Direksi pada Laporan
jangka panjang kepada Direksi dan Tahunan ini. Kebijakan Pemberian Insentif kepada
karyawan. Karyawan telah dituangkan dalam Kebijakan
The Public Company has a policy of Penilaian Kinerja Pegawai.
providing longterm incentives to The Company has disclosed its Policy on
Board of Directors and employees. Incentives to the Board of Directors in this Annual
Report. The Policy on Incentives Provision to
Employees has been stated in the Employee
Performance Appraisal Policy.
Aspek 5: Keterbukaan Informasi
V
Aspect 5: Information Disclosure
Prinsip 8 Meningkatkan 24.Perusahaan Terbuka memanfaatkan Perseroan memanfaatkan pengggunaan teknologi
Pelaksanaan Keterbukaan penggunaan teknologi informasi informasi sebagai media keterbukaan informasi
Informasi. secara lebih luas selain Situs Web yaitu Situs Web (www.okbank.co.id), Instragram,
sebagai media keterbukaan informasi. Customer Care call center 150112.
Principle 8 Public Companies utilize the use of The Company utilizes the use of information
Improving the information technology more broadly technology as a medium for information
Implementation of than the Website as a medium for disclosure, namely the Website (www.okbank.
Information Disclosure. information disclosure. co.id), Instragram, Customer Care call center
150112.
25. Laporan Tahunan Perusahaan Sesuai Laporan Tahunan Perseroan telah
Terbuka mengungkapkan pemilik mengungkapkan daftar Pemegang Saham
manfaat akhir dalam kepemilikan Perseroan yang memiliki saham 5 %, Pemegang
saham Perusahaan Terbuka paling Saham Utama/Pengendali Perseroan dan Pemilik
sedikit 5% (lima persen), selain manfaat akhir adalah Yoon Choi selaku Ultimate
pengungkapan pemilik manfaat akhir shareholder Perseroan.
dalam kepemilikan saham Perusahaan In accordance with the Company's Annual
Terbuka melalui pemegang saham Report, the Company has disclosed a list of its
utama dan pengendali. Shareholders who own 5% shares, the Main/
The Public Company's Annual Report Controlling Shareholder of the Company and the
discloses the ultimate beneficial ultimate beneficial owner is Yoon Choi as the
owner in the Public Company's Company's Ultimate shareholder.
share ownership at least 5% (five
percent), in addition to the disclosure
of the final beneficial owner in the
Public Company's share ownership
through the major and controlling
shareholders
PELAKSANAAN TATA KELOLA TAHUN 2023 IMPLEMENTATION OF GOVERNANCE IN 2023
Dalam rangka melakukan evaluasi terhadap pelaksanaan In order to evaluate the implementation of Good Corporate
Tata Kelola Perusahaan yang Baik (Good Corporate Governance (GCG) in 2023 and to comply with Financial
Governace/GCG) tahun 2023 dan untuk memenuhi Services Authority Regulation (PJOK) Number. 17 of 2023
Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 and Financial Services Authority Number 13/SEOJK.03/2017
dan Surat Edaran Otoritas Jasa Keuangan Nomor 13/ on the Implementation of Good Corporate Governance
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank for Commercial Banks, OK BANK has conducted a self-
Umum, OK BANK telah melakukan penilaian sendiri (self- assessment on the implementation of the Bank’s GCG for
assessment) atas penerapan GCG Bank untuk periode the first and second semesters of 2023.
semester I dan II tahun 2023.
Hasil penilaian sendiri oleh Bank merupakan bagian yang The results of the Bank’s self-assessment are an integrated
tidak terpisahkan dari laporan pelaksanaan tata kelola. part of the governance implementation report.
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Tata Kelola Perusahaan
Corporate Governance
PELAKSANA PENILAIAN APPRAISAL
Penilaian Tata Kelola Bank dilakukan secara komprehensif The assessment of Bank Governance is conducted in a
dan terstruktur terhadap governance system, yaitu comprehensive and structured manner on the governance
governance structure, governance process dan governance system, namely governance structure, governance
outcomes untuk 11 faktor penilaian sebagaimana diatur process and governance outcomes for 11 assessment
dalam Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun factors as stipulated in the Financial Services Authority
2023 tanggal 14 September 2023 dan Surat Edaran Otoritas Regulation (PJOK) Number 17 of 2023 dated September
Jasa Keuangan Nomor 13/SEOJK.03/2017 tanggal 17 Maret 14, 2023 and Financial Services Authority Circular Number
2017 tentang Penerapan Tata Kelola bagi Bank Umum. 13/SEOJK.03/2017 dated March 17, 2017 concerning the
Implementation of Good Corporate Governance for
Commercial Banks.
Hasil Penilaian Sendiri (Self-Assessment) Pelaksanaan Tata Kelola
Results of Self Assessment of Governance Implementation
Peringkat Definisi Peringkat
Rating Rank Definition
Individual Manajemen Bank telah melakukan penerapan Tata Kelola yang
Individual secara umum BAIK. Hal ini tercermin dari pemenuhan yang memadai
2 atas prinsip-prinsip Tata Kelola. Apabila terdapat kelemahan dalam
penerapan prinsip Tata Kelola, maka secara umum kelemahan tersebut
kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh
manajemen Bank.
The Bank’s management has implemented GCG with result: GOOD. It
was reflected in the adequate fulfillment of the Corporate Governance
principles. When there was any weakness in the application of Corporate
Governance principles, in general these weaknesses was not significant
and can be resolved by normal actions by the Bank’s management.
Konsolidasi | Consolidation - -
Analisis | Analysis
Dalam rangka meningkatkan kinerja Bank, melindungi kepentingan To improve the Bank’s performance, protect the interests of
stakeholders, dan meningkatkan kepatuhan terhadap peraturan stakeholders, and improve compliance with applicable laws and
perundang-undangan yang berlaku serta nilai-nilai etika yang berlaku regulations and ethical values generally accepted in the banking
umum pada industri perbankan, maka pelaksanaan kegiatan usaha industry, the implementation of Bank business activities is subject
Bank wajib berpedoman pada prinsip Tata Kelola, yaitu transparansi, to be guided by the Governance principles, namely transparency,
akuntabilitas, pertanggungjawaban, independensi, dan kewajaran. accountability and responsibility , independence, and fairness.
Berikut ringkasan hasil analisis pelaksanaan Tata Kelola Bank yang Following is summary of the analysis results of the Bank Governance
mencakup 11 (sebelas) Faktor Penilaian Pelaksanaan Tata Kelola sebagai implementation which includes 11 (eleven) GCG Implementation
berikut: Assessment Factors:
1. Pelaksanaan Tugas dan Tanggung Jawab Direksi 1. Implementation of the Duties and Responsibilities of the Board of
Directors
Direksi telah melaksanakan tugas dan tanggung jawab sesuai bidang The Board of Directors has carried out their duties and responsibilities
tugas masing-masing. Sampai dengan akhir tahun 2023, telah ada 5 in accordance with their respective duties. Until the end of 2023,
(lima) orang anggota Direksi Bank yaitu Direktur Utama, Wakil Direktur there were 5 (five) members of the Bank’s Board of Directors,
Utama, Direktur Kepatuhan, Direktur Kredit & IT, dan Direktur Bisnis. namely the President Director, Vice President Director, Director of
Direksi telah mempertanggungjawabkan pelaksanaan tugasnya kepada Compliance, Director of Credit & IT, and Director of Business. The
pemegang saham melalui RUPS. Board of Directors has been accountable for the implementation of
its duties to shareholders through the GMS.
2. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris 2. Implementation of the Duties and Responsibilities of the Board of
Dewan Komisaris telah melaksanakan seluruh tugas dan tanggung Commissioners
jawabnya sebagaimana diatur dalam peraturan perundang-undangan The Board of Commissioners has carried out all of its duties and
yang berlaku. Sampai dengan akhir tahun 2023 jumlah anggota Dewan responsibilities as stipulated in the applicable laws and regulations.
Komisaris adalah 3 (tiga) orang terdiri dari 1 (satu) orang Komisaris Until the end of 2023, the number of members of the Board of
Utama dan 2 (dua) orang Komisaris Independen. Commissioners were 3 (three) people consisting of 1 (one) President
Commissioner and 2 (two) Independent Commissioners.
3. Kelengkapan dan Pelaksanaan Tugas Komite 3. Completeness and Implementation of Committee Duties
Komposisi komite telah lengkap dan pelaksanaan tugas komite telah The composition of the committee is complete and the
berjalan sebagaimana diatur dalam ketentuan Peraturan Otoritas Jasa implementation of the committee’s duties has been performed
Keuangan yang berlaku. as stipulated in the provisions of the applicable Financial Services
Authority Regulations.
4. Penanganan Benturan Kepentingan 4. Conflicts of Interest Handling
Secara keseluruhan selama tahun 2023 tidak terdapat permasalahan Overall, in 2023, there were no issues in handling conflicts of interest
dalam penanganan benturan kepentingan yang dapat merugikan atau that could harm or reduce the Bank’s profits. Policies and Procedures
mengurangi keuntungan Bank. Kebijakan dan Prosedur Penanganan for handling Conflicts of Interest have been reviewed periodically,
Benturan Kepentingan telah dilakukan kaji ulang secara berkala, either based on input received and/or based on the scope of business
baik berdasarkan masukan yang diterima dan/atau berdasarkan development and internal capacity of the Bank.
perkembangan lingkup usaha dan kapasitas internal Bank.
266 Laporan Tahunan 2023 Annual Report
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Analisis | Analysis
5. Penerapan Fungsi Kepatuhan 5. Compliance Function Implementation
Satuan Kerja Kepatuhan telah melaksanakan tugas dan tanggung The Compliance Work Unit has performed its duties and
jawabnya untuk memastikan dipatuhinya peraturan perundang- responsibilities to ensure compliance with applicable laws and
undangan yang berlaku, di antaranya, melakukan diseminasi, regulations, including, carrying out dissemination, socialization,
sosialisasi, review terhadap kebijakan dan/ atau prosedur internal Bank, review of the Bank’s internal policies and/or procedures, updating
memperbaharui kebijakan dan prosedur terkait dengan kepatuhan policies and procedures related to compliance including the
termasuk Pedoman Pelaksanaan Penerapan Program Anti Pencucian Implementation Guidelines for the Implementation of the Anti-
Uang dan Pencegahan Pendanaan Terorisme (APU dan PPT), serta Corruption Program, Money Laundering and Terrorism Financing
mengadakan pelatihan internal mengenai APU dan PPT berikut ujiannya Prevention (APU and PPT), as well as holding internal training
dan pelaksanaan refreshment training APU-PPT di setiap cabang setiap regarding APU and PPT, including exams and implementing monthly
bulan. APU-PPT refreshment training in each branch.
6. Penerapan Fungsi Audit Intern 6. Internal Audit Function Implementation
Struktur organisasi SKAI telah sesuai dengan kompleksitas Bank yaitu The SKAI organizational structure is in accordance with the
terdiri dari 1 (satu) orang Kepala SKAI yang membawahi 6 (enam) orang complexity of the Bank, which consists of 1 (one) Head of SKAI who
yang memiliki pengalaman di bidang audit maupun berlatar belakang oversees 6 (six) people who have experience in the audit field and
operasional perbankan dan 1 (satu) di antaranya merupakan IT Auditor. have a background in banking operations and 1 (one) of them is an IT
SKAI independen terhadap satuan kerja operasional Bank. Auditor. SKAI is independent of the Bank’s operational work units.
7. Penerapan Fungsi Audit Ekstern 7. External Audit Function Implementation
Pada periode Semester II tahun 2023 Bank telah menunjuk Kantor In Semester II 2023, the Bank has appointed Public Accounting
Akuntan Publik untuk melakukan audit terhadap Laporan Keuangan Firm to audit the Bank’s Financial Statements as of December 2023,
Bank per Desember 2023, yaitu Paul Hadiwinata, Hidajat, Arsono, namely Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Partners
Retno, Palilingan & Rekan (PKF) yang telah terdaftar di Otoritas Jasa (PKF) who have been registered with the OJK.
Keuangan.
8. Penerapan Manajemen Risiko Termasuk Sistem Pengendalian Intern 8. Implementation of Risk Management Including Internal Control
Systems
Bank telah memiliki struktur organisasi yang memadai untuk The Bank has developed an adequate organizational structure
mendukung penerapan manajemen risiko dan pengendalian intern to support the implementation of good risk management and
yang baik antara lain Satuan Kerja Audit Internal (SKAI), Satuan Kerja internal control, including the Internal Audit Work Unit (SKAI), Risk
Manajemen Risiko (SKMR) dan Komite Manajemen Risiko serta Satuan Management Work Unit (SKMR) and Risk Management Committee
Kerja Kepatuhan. Selain itu, Bank telah memiliki kebijakan manajemen and Compliance Work Unit. In addition, the Bank has established a
risiko dan melakukan penetapan limit risiko khususnya untuk risiko risk management policy and set risk limits, especially for credit risk,
kredit, risiko likuditas dan risiko pasar. Peningkatan diperlukan untuk liquidity risk and market risk. There is a need for improvement to
penetapan limit risiko lainnya sesuai kebutuhan Bank. determine other risk limits according to the Bank’s needs.
9. Penyediaan Dana Kepada Pihak Terkait (Related Parties) dan 9. Funding Provision to Related Parties and Large Exposure
Penyediaan Dana Besar (Large Exposure)
Terhadap penyediaan dana kepada pihak terkait dan penyediaan dana The proper management of large exposure provision has been
dalam jumlah besar telah dilakukan pengelolaan yang baik dengan performed by observing the Bank’s internal Legal Lending Limit
memperhatikan Batas Maksimum Pemberian Kredit (BMPK) internal (BMPK) which is more stringent than the applicable Financial
Bank dan Ketentuan Peraturan Otoritas Jasa Keuangan serta diputuskan Services Authority regulations and decided by the Credit Committee
oleh Komite Kredit secara independen dan selama tahun 2023 tidak independently and during 2023 there were no exceedances or
ada pelampauan maupun pelanggaran BMPK serta dilaporkan kepada violations of the Legal Lending Limit and reported to the Financial
Otoritas Jasa Keuangan secara tepat waktu. Services Authority in a timely manner.
10. Transparansi Kondisi Keuangan dan Non Keuangan Bank, Laporan 10. Transparency of the Bank’s Financial and Non-Financial Conditions,
Pelaksanaan Tata Kelola dan Pelaporan Internal Governance Implementation Reports and Internal Reporting
Transparansi kondisi keuangan dan non keuangan Bank telah dilakukan Transparency of the Bank’s financial and non-financial conditions has
sesuai dengan peraturan perundang- undangan yang berlaku, demikian been carried out in accordance with applicable laws and regulations,
pula dengan pelaporan pelaksanaan Tata Kelola baik secara internal as well as reporting on the Corporate Governance implementation
maupun eksternal kepada Otoritas Jasa Keuangan, Bank Indonesia, dan both internally and externally to the OJK, Bank Indonesia and other
pihak-pihak lain sesuai ketentuan perundangan yang berlaku. parties in accordance with applicable laws and regulations.
11. Rencana Strategis Bank 11. Bank Strategic Plan
Bank telah menyusun dan menyampaikan Rencana Bisnis Bank tahun The Bank has prepared and submitted a Bank Business Plan for 2024-
2024-2026 yang telah disetujui oleh Dewan Komisaris dan telah 2026 which has been approved by the Board of Commissioners and
dikomunikasikan kepada pemegang saham dan seluruh jenjang has been communicated to shareholders and all levels of the Bank’s
organisasi Bank. Pemilik menunjukkan keseriusan dalam mengambil organization. The owner shows seriousness in taking the necessary
langkah-langkah yang diperlukan dalam rangka mendukung Rencana steps to support the Bank’s strategic plan, including efforts to
strategis bank termasuk upaya memperkuat permodalan Bank. Pada strengthen the Bank’s. By the fourth quarter of 2023, the Bank’s tier 1
Triwulan IV Tahun 2023 Modal Inti Tier 1 Bank sebesar 3,49 Triliun core capital reached 3.49 trillion.
Berdasarkan analisis terhadap seluruh kriteria/indikator penilaian tersebut Based on the analysis of the above criteria/indicators assessment, it is
di atas, disimpulkan bahwa: concluded that:
1. Governance Structure 1. Governance Structure
Faktor-faktor positif aspek governance structure Bank di antaranya Positive factors in the aspect of the Bank’s governance structure,
adalah, sampai dengan Desember 2023 Komposisi Dewan Direksi dan including, as of December 2023, the composition of the Board of
Dewan Komisaris telah lengkap, yaitu 5 (lima) orang anggota Dewan Directors and the Board of Commissioners is complete, namely
Direksi dan 3 (tiga) orang anggota Dewan Komisaris. Komposisi anggota 5 (five) members of the Board of Directors and 3 (three) members
Komite dibawah Dewan Komisaris telah memperhatikan ketentuan of the Board of Commissioners. The composition of the committee
tata kelola dan telah adanya keputusan Direksi terhadap penetapan members under the Board of Commissioners has considered the
anggota Komite di bawah Dewan Komisaris. Kebijakan dan prosedur provisions of governance and the Decree of the Board of Directors
operasional telah dan selalu dilakukan pengkinian sesuai ketentuan regarding the determination of committee members under the
perundangan. Bank juga telah memiliki sistem monitoring APU PPT Board of Commissioners. Operational policies and procedures have
untuk meningkatkan pengendalian risiko kepatuhan. been and are always updated in accordance with the provisions of
the law. The Bank also has a APU PPT monitoring system to improve
compliance risk control.
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Corporate Governance
Analisis | Analysis
2. Governance Process 2. Governance Process
Faktor-faktor positif aspek governance process Bank di antaranya Positive factors in the aspects of the Bank’s governance process
adalah adanya upaya dari seluruh jenjang organisasi Bank mulai dari include efforts from all levels of the Bank’s organization, starting
Dewan Komisaris, komite-komite, Direksi dan seluruh karyawan Bank from the Board of Commissioners, Committees, Directors and
untuk melaksanakan kebijakan dan prosedur yang berlaku serta all employees of the Bank to implement applicable policies and
melakukan proses pengkinian dan kaji ulang secara berkelanjutan procedures and carry out ongoing updating and review processes
sesuai perkembangan kegiatan usaha dan kompleksitas kegiatan according to developments of business activities and the complexity
operasional Bank. Selain itu, Bank telah melaksanakan diseminasi dan of the Bank’s operational activities. In addition, the Bank has carried
sosialisasi peraturan baru, melaksanakan beberapa pelatihan internal out dissemination and socialization of new regulations, conducted
dan eksternal, mengikuti pelatihan dan sosialisasi yang diadakan oleh several internal trainings, participated in training and socialization
regulator maupun instansi pemerintah. held by the regulator as well as government institutions.
Faktor-faktor negatif aspek governance process Bank di antaranya Negative factors in aspects of the Bank’s governance process include
adalah tingkat pemahaman dan kesadaran pengendalian intern di the level of understanding and awareness of internal control at every
setiap jenjang organisasi Bank masih perlu ditingkatkan dalam rangka level of the Bank’s organization that still needs to be improved to
mengendalikan risiko terkait operasional kegiatan usaha Bank. Namun, control risks related to the Bank’s business activities. However, the
Bank telah melakukan upaya-upaya di antaranya peningkatan dual Bank has made efforts including increasing dual control in each work
control dalam setiap unit kerja, sosialisasi, pelatihan, dan Kampanye unit, socialization, training and a Compliance Culture Campaign.
Budaya Kepatuhan.
3. Governance Outcome 3. Governance Outcome
Faktor-faktor positif aspek governance outcome Bank di antaranya Positive factors in the Bank’s governance outcome aspects include
adalah ketersediaan, kelengkapan, dan ketepatan waktu serta akurasi the availability, completeness and timeliness and accuracy of
data dan/atau informasi terkait transparansi kondisi keuangan Bank data and/or information related to the transparency of the Bank’s
yang disampaikan kepada stakeholders sesuai ketentuan perundang- financial condition which is submitted to stakeholders following
undangan yang berlaku. Bank juga telah memiliki unit khusus applicable laws and regulations. The Bank also has formed a special
perlindungan konsumen untuk memastikan pelaksanaan operasional unit of consumer protection to ensure the operational and business
dan bisnis bank telah memenuhi nilai-nilai perlindungan konsumen. implementation of the Bank has met consumer protection values.
Sedangkan dari aspek kuantitatif, Modal Inti Tier 1 Bank pada Triwulan While from the quantitative aspect, the Bank’s core capital of Tier 1 in
IV tahun 2023 mencapai 3,49 dan tidak terdapat pelanggaran terhadap the fourth quarter of 2023 reached 3.49 and there were no violations
ketentuan BMPK. on BMPK provisions
Faktor-faktor negatif aspek governance outcome Bank pada tahun 2023 The negative factors in the aspects of the Bank’s governance outcome
masih terdapat sanksi denda dari regulator yaitu sebagai berikut: in 2023 were still result in fines from the regulator, as follows:
· Sanksi Denda sebesar Rp47.550.000 atas kesalahan dalam Pelaporan · Penalty of Rp47,550,000 for errors in reporting financial service
Sistem Layanan lnformasi Keuangan (SUK). system (SUK).
· Denda sebesar Rp200.000 atas kesalahan informasi jumlah SDM pada · A fine of Rp200,000 for information error on total number of HR in
form 7B untuk bidang tugas Pemasaran dan bidang tugas Perbankan form 7B for Marketing duties and other banking duties that were not
Lainnya yang tidak sesuai dengan informasi pada form 1B (Denda in accordance with information in Form 1B (Apolo Fine).
Apolo). · A fine of Rp150,000 for a correction violation passing the deadline for
· Denda sebesar Rp150.000 atas pelanggaran koreksi diluar batas waktu the delivery of the LBUT Daily Information Group (KI).
penyampaian Kelompok Informasi (KI) Harian LBUT. · A fine of Rp50,000 for NPWP reporting errors over 1 (one) debtor on
· Denda sebesar Rp50.000 atas kesalahan pelaporan NPWP atas 1 (satu) SLIK, in contrast to NPWP (Tax Identification Number) data from the
debitur pada SLIK, berbeda dengan data NPWP dari DJP. Directorate General of Taxes.
· Denda sebesar Rp50.000 atas koreksi laporan 1 (satu) debitur periode · A fine of Rp50,000 for the correction of report 1 (one) debtor for the
Juni 2023, disampaikan pada tanggal 20 Juli 2023 yang seharusnya June 2023 period, delivered on July 20, 2023 which should have been
paling lambat disampaikan tanggal 19 Juli 2023. submitted at the latest on July 19, 2023.
· Denda sebesar Rp2.000.000 atas kesalahan tidak menyampaikan · A fine of Rp2,000,000 for the mistake of not submitting the
laporan LBUT KI Keuangan Harian tanggal laporan 13 April 2023. Information Group’s (KI) Daily LBUT Report on April 13, 2023.
· Denda sebesar Rp2.000.000 atas pelanggaran koreksi di luar batas · A fine of Rp2,000,000 for correction violations passing the time limit
waktu penyampaian Kelompok Informasi (KI) Harian LBUT. for the delivery of LBUT Daily Information Group (KI).
· Denda sebesar Rp5.000.000,- atas Sanksi koreksi di luar batas waktu · A fine of Rp5,000,000 for correction sanctions passing the deadline
penyampaian Laporan Bank Umum Terintegrasi (LBUT) PT Bank Oke for submitting the Integrated Commercial Bank Report (LBUT) of PT
Indonesia, Tbk. Hal ini terjadi karena terdapat kesalahan pada saat Bank Oke Indonesia, Tbk. This happened because there were errors
migrasi sistem Antasena baru milik Bank. during the new Antasena system migration owned by the Bank.
· Denda maksimal sebesar Rp50.000.000,- yang diakibatkan karena · A maximum fine of Rp50,000,000 due to reporting logic errors.
kesalahan logic Pelaporan.
Untuk memperbaiki hal ini, Bank secara berkelanjutan mengintensifkan In order to improve these negative factors, the Bank continuously
sosialisasi peraturan-peraturan yang berlaku untuk meningkatkan intensifies the dissemination of applicable regulations to increase
kesadaran setiap karyawan akan kewajibannya untuk mengirimkan awareness of every employee of their obligation to submit reports on
laporan tepat waktu dan pengisian laporan secara benar sesuai ketentuan time and fill out reports correctly according to applicable regulations. In
yang berlaku. Selain itu, dilakukan penerapan double check dalam team addition, the Bank continues to implement double checks approach in
untuk saling mengingatkan. Dan penerapan double check pada setiap each team to remind each other. The Bank also applies double checks
tahapan development system dan melaksanakan prosedur production approach at each stage of the development system and implements the
trial run setelah melakukan migrasi sistem. Selain itu, Bank juga telah production trial run procedure after migrating the system. Furthermore,
menganalisa rootcause penyebab terjadinya kesalahan data Pelaporan the Bank has also analyzed the root cause on the reporting data errors
dan memperbaikinya pada sistem pelaporan yang digunakan oleh Bank. and have the system fixed.
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Penerapan Sistem Manajemen Risiko
Implementation Of Risk Management System
PT Bank Oke Indonesia, Tbk. menerapkan prinsip PT Bank Oke Indonesia, Tbk. applies the principle of
pengelolaan risiko secara berkesinambungan dengan sustainable risk management by maintaining a balance
menjaga keseimbangan antara pertumbuhan keuangan between financial and business growth and the risk appetite
dan bisnis dengan risk appetite yang ditetapkan oleh Bank. set by the Bank. The implementation of the OK BANK Risk
Penerapan Sistem Manajemen Risiko OK BANK mengacu Management System refers to Financial Services Authority
kepada Peraturan Otoritas Jasa Keuangan (POJK) Nomor Regulation (POJK) Number 18/POJK.03/2016 concerning
18/POJK.03/2016 tentang Penerapan Manajemen Risiko bagi the Implementation of Risk Management for Commercial
Bank Umum tanggal 16 Maret 2016 dan Surat Edaran (SE) Banks dated March 16, 2016 and Financial Services Authority
Otoritas Jasa Keuangan Nomor 14/SEOJK.03/2017 tentang Circular Letter (SE) Number 14/SEOJK.03/2017 concerning
Penilaian Tingkat Kesehatan Bank Umum tanggal 17 Maret Assessment of the Soundness Level of Commercial Banks
2017. dated March 17, 2017.
Beberapa perkembangan penting yang mempengaruhi Several important developments that affected the Bank's
profil Risiko Bank pada periode tahun 2023, antara lain: Risk profile in 2023 include:
1. Restrukturisasi Kredit terdampak pandemi COVID-19. 1. Credit restructuring related to the COVID-19 pandemic.
2. Perkembangan Kualitas Portofolio kredit Bank. 2. Development of the Bank's Credit Portfolio Quality.
3. Penerapan Penyediaan Dana untuk Kegiatan Ekonomi 3. Implementation of Fund Provisions for Certain and
tertentu dan Inklusif. Inclusive Economic Activities.
4. Penerapan Strategi Contingency Plan layanan 4. Implementation of Contingency Plan Strategy for
Operasional dan Teknologi Informasi. Operational Services and Information Technology.
5. Perubahan Komposisi Dewan Komisaris. 5. Changes in the Composition of the Board of
Commissioners.
EKSPOSUR RISIKO OK BANK OK BANK RISK EXPOSURE
Sepanjang tahun 2023 terdapat beberapa eksposur risiko Throughout 2023, there were several main risk exposures
utama pada Bank, antara lain: for the Bank, including:
1. Risiko Kredit khususnya yang bersumber dari kualitas 1. Credit risk, particularly originating from the quality of
portofolio kredit akibat tunggakan pembayaran debitur, the credit portfolio as a result of debtors' payment
kemudian bank juga terpapar potensi kondisi keuangan arrears, exposes banks to the possibility of debtors'
debitur yang belum kembali membaik bahkan potensi financial conditions not yet improving, as well as
kondisi usaha debitur yang sudah tidak aktif setelah debtors' business conditions becoming inactive
pandemi terjadi. following the pandemic.
2. Risiko Operasional dan Reputasi, dengan meningkatnya 2. Operational and Reputational Risk: As bank business
bisnis Bank maka sejalan juga dengan meningkatnya grows, so does reputational risk associated with
Risiko Reputasi yang berkaitan dengan keluhan nasabah customer complaints and potential financial fines in
dan potensi denda finansial pada aktivitas Bank. Bank activities.
KERANGKA MANAJEMEN RISIKO RISK MANAGEMENT FRAMEWORK
Kerangka Manajemen Risiko pada OK BANK terdiri The Risk Management Framework at OK BANK consists
dari aspek-aspek tujuan dan strategi pengelolaan, of aspects of management objectives and strategies,
infrastruktur, lingkungan dan proses yang digunakan infrastructure, environment, and processes used by the
Bank untuk mengelola risiko. Manajemen Bank khususnya Bank to manage risk. Bank management, especially the
Dewan Direksi dan Komisaris, bertanggung jawab untuk Board of Directors and the Board of Commissioners, is
memastikan bahwa pengelolaan lingkungan risiko Bank, responsible for ensuring that the management of the Bank's
termasuk proses, tata kelola, budaya risiko dan komunikasi risk environment, including processes, governance, risk
yang transparan mengikuti proses pengelolaan yang culture, and transparent communication, follows adequate
memadai. management processes.
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Tata Kelola Perusahaan
Corporate Governance
TUJUAN DAN STRATEGI MANAJEMEN RISIKO RISK MANAGEMENT OBJECTIVES AND
STRATEGIES
Pada periode 2023, tujuan utama manajemen risiko Bank In 2023, the main objective of the Bank's risk management
adalah untuk mendukung pencapaian tujuan bisnis Bank is to support the achievement of the Bank's business
dengan: objectives by:
1. Memberdayakan early warning system atas kondisi 1. Empowering an early warning system for debtors'
debitur sehingga Bank dapat secara tepat dan cepat condition, allowing the Bank to appropriately and
melakukan antsipasi terhadap debitur lancar yang quickly anticipate performing debtors who have the
memiliki potensi penurunan kualitas kredit. potential for loan quality decline.
2. Meningkatkan awareness atas pengendalian internal 2. Increase awareness of internal controls that must be
yang harus dilakukan untuk memitigasi terjadinya risiko implemented to mitigate risks at the Bank, including
pada Bank termasuk risiko kredit dan risiko operasional. loan risk and operational risk.
3. Optimalisasi penggunaan sistem informasi (core 3. Optimizing the use of Inoan information system (core
Banking) Inoan untuk mencapai rencana bisnis Bank. banking) to achieve the Bank's business plan.
Strategi Bank untuk mengelola risiko kredit difokuskan, The Bank's strategy for managing credit risk focuses on,
antara lain: among others:
1. Mengoptimalkan early warning system yang telah 1. Optimize the improved early warning system, allowing
disempurnakan sehingga Bank mampu secara efektif the Bank to effectively and efficiently determine steps
dan efisien menetapkan langkah-langkah dalam to mitigate losses due to Loan Risk.
memiitigasi kerugian karena Risiko Kredit.
2. Penerapan Stress Test dan monitoring atas kualitas 2. Implementation of Stress Tests and monitoring of the
dan profil risiko debitur yang mengalami restrukturisasi quality and risk profile of debtors' undergoing loan
kredit akibat situasi pandemi COVID-19 restructuring due to the COVID-19 pandemic situation.
3. Melakukan penyempurnaan pada proses review kredit 3. Make improvements to the loan review process and
serta pengambilan putusan kredit. loan decision making.
4. Pemantauan kualitas pada setiap Segmen kredit yang 4. Quality monitoring in each of the Bank's loan segment
ada pada Bank
5. Upaya penyelesaian kredit bermasalah untuk 5. Efforts to resolve non-performing loans to improve the
meningkatkan kualitas aset produktif. quality of productive assets.
Strategi Bank untuk mengelola risiko likuiditas dan pasar The Bank's strategy for managing liquidity and market risks
pada tahun 2023 antara lain in 2023 includes:
1. Meningkatkan Dana Pihak Ketiga (DPK) dengan jangka 1. Increasing Third Party Funds (TPF) over a long period of
waktu panjang, serta mengoptimalkan peningkatan time, as well as optimizing the improvement in Curret
Curret Account Saving Account (CASA) melalui produk- Account Saving Accounts (CASA) through service
produk layanan. products.
2. Melakukan penyesuaian suku bunga Dana Pihak Ketiga 2. Adjusting interest rates on Third Party Funds following
mengikuti perkembangan kebijakan suku bunga Bank developments in Bank Indonesia's interest rate policy.
Indonesia.
3. Terus Meningkatkan kerjasama antar Bank lain melalui 3. Continue to enhance cooperation between other Banks
pasar uang (money market) agar dapat memanfaatkan through the money market in order to capitalize on the
fasilitas Call Money maupun Repo Surat Berharga intern Bank's Call Money and Internal Securities Repo facilities.
bank.
Strategi Bank untuk mengelola risiko operasional dan risiko The Bank's strategy for managing operational and other
lainnya pada tahun 2023, antara lain: risks in 2023 includes:
1. Melakukan proses otomasi proses pelaporan guna 1. Automate the reporting process to support Bank
mendukung operasional Bank. operations.
2. Menyesuaikan dan menyempurnakan prosedur 2. Adjust and refine operational procedures to suit the
operasional agar sesuai dengan proses kerja pada Core work processes at the Core Banking System and the
Banking System maupun produk yang digunakan Bank. products used by the Bank.
3. Melakukan sosialisasi dan pelatihan terkait 3. Conduct socialization and training related to internal
pengendalian internal atas proses kerja. control of work processes.
4. Melakukan monitoring terhadap seluruh kinerja bisnis 4. Monitor all business performance against the
terhadap rencana bisnis yang telah ditetapkan. established business plan.
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5. Meningkatkan strategi pemasaran dan brand awareness 5. Improve marketing strategies and brand awareness of
produk dan layanan bank kepada masyarakat luas lewat Bank products and services to the wider community
berbagai media termasuk media sosial. through various media, including social media.
6. Meningkatkan pengendalian keamanan dan tata kelola 6. Improve security and governance controls in the Bank's
pada sistem Teknologi Informasi Bank. Information Technology system.
PT Bank Oke Indonesia, Tbk.
Tipe Risiko Triwulan III/2023 Triwulan IV/2023
Risk Type Quarter III/2023 Quarter IV/2023
IR KPMR Composite IR KPMR Composite
Kredit 3 2 Peringkat 3 3 2 Peringkat 3
Loan Rank 3 Rank 3
Pasar 2 2 Peringkat 2 2 2 Peringkat 2
Market Rank 2 Rank 2
Likuiditas 2 2 Peringkat 2 2 2 Peringkat 2
Liquidity Rank 2 Rank 2
Operasional 2 2 Peringkat 2 2 2 Peringkat 2
Operational Rank 2 Rank 2
Hukum 2 2 Peringkat 2 2 2 Peringkat 2
Legal Rank 2 Rank 2
Stratejik 2 2 Peringkat 2 2 2 Peringkat 2
Strategic Rank 2 Rank 2
Kepatuhan 2 2 Peringkat 2 2 2 Peringkat 2
Compliance Rank 2 Rank 2
Reputasi 2 2 Peringkat 2 2 2 Peringkat 2
Reputational Rank 2 Rank 2
PENERAPAN MANAJEMEN RISIKO OK BANK OK BANK RISK MANAGEMENT IMPLEMENTATION
Penerapan manajemen risiko di OK BANK mengacu pada The implementation of risk management at OK BANK
peraturan yang berlaku yaitu Peraturan Otoritas Jasa refers to applicable regulations, namely Financial Services
Keuangan Nomor 18/POJK.03/2016 tentang Penerapan Authority Regulation Number 18/POJK.03/2016 concerning
Manajemen Risiko bagi Bank Umum serta Surat Edaran the Implementation of Risk Management for Commercial
Otoritas Jasa Keuangan Nomor 34/POJK.03/2016 tentang Banks and Financial Services Authority Circular Letter
Penerapan Manajemen Risiko bagi Bank Umum yaitu Number 34/POJK.03/2016 concerning the Implementation
mencakup 4 (empat) pilar, yaitu: of Risk Management for Commercial Banks, which includes
4 (four) pillars, namely:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active supervision of the Board of Commissioners and
the Board of Directors;
2. Kecukupan kebijakan, prosedur dan penetapan limit; 2. Adequacy of policies, procedures, and limit
determination;
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of the risk identification, measurement,
pemantauan dan pengendalian Risiko serta sistem monitoring, and control processes, as well as the risk
informasi Manajemen Risiko; dan management information system; and
4. Sistem pengendalian intern yang menyeluruh. 4. Comprehensive internal control system.
INFRASTRUKTUR MANAJEMEN RISIKO RISK MANAGEMENT INFRASTRUCTURE
Struktur tata kelola dan pengawasan Bank terdiri dari The Bank’s governance and supervision structure consists
Dewan Komisaris, Dewan Direksi dan Komite-Komite. of the Board of Commissioners, Board of Directors, and
Committees.
Dewan Komisaris bertanggung jawab untuk The Board of Commissioners is responsible for considering
mempertimbangkan dan menyetujui kerangka manajemen and approving the risk management framework and related
risiko dan kebijakan terkait serta melakukan evaluasi dan policies, as well as evaluating and providing guidance on the
arahan atas pelaksanaan manajemen risiko Bank melalui implementation of the Bank’s risk management through the
forum-forum Komite Pemantau Risiko dan Komite Audit. Risk Monitoring Committee and Audit Committee forums.
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Direksi bertanggung jawab untuk menyusun kebijakan dan The Board of Directors is responsible for developing written
strategi risiko secara tertulis menetapkan dan mengkinikan risk policies and strategies, as well as establishing and
prosedur dalam hal pelaksanaan kebijakan dan strategi updating procedures for the implementation of the Bank’s
risiko Bank. Pelaksanaan pengawasan aktif dilakukan baik risk policies and strategies. Active supervision is carried out
langsung atau melalui forum Komite Manajemen Risiko, either directly or through the forums of the Risk Management
Komite Kredit dan Komite Asset & Liability (ALCO) serta IT Committee, Credit Committee, and Asset & Liability
Steering Committee. Committee (ALCO), as well as the IT Steering Committee.
Bank memiliki seperangkat aturan penerapan manajemen The Bank has a set of risk management implementation rules
risiko yang terdiri dari Kebijakan dan Prosedur-prosedur consisting of Risk Management Policies and Procedures
pengelolaan manajemen risiko sesuai jenis risiko. Secara according to the type of risk. In general, this set of rules
umum seperangkat aturan tersebut menjabarkan proses describes the risk management process, which consists
manajemen risiko yang terdiri dari proses identifikasi, of the process of identifying, measuring, monitoring, and
pengukuran, pemantauan hingga pengendalian risiko. controlling risks. The determination of limits used as a risk
Penetapan limit-limit yang digunakan sebagai proses management process must obtain approval from the Board
manajemen risiko harus mendapatkan persetujuan dari of Directors. The limits set per type of risk and in accordance
Direksi. Limit yang ditetapkan per jenis risiko dan sesuai with the functional activities are aligned with the risk
aktivitas fungsional diselaraskan dengan risk appetite appetite for the level of risk to be taken, the bank’s strategy
tingkat risiko yang akan diambil dan strategi bank dalam in adjusting capital adequacy to absorb risk exposure and
menyesuaikan kemampuan modal dalam menyerap past loss experiences, human resource capabilities, and
eksposur risiko dan pengalaman kerugian di masa lalu, compliance with applicable external regulations.
kemampuan sumber daya manusia serta kepatuhan
terhadap ketentuan eksternal yang berlaku.
Sistem pengendalian internal pada bank merupakan The Bank’s internal control system is an embodiment of
perwujudan dari mekanisme pengawasan yang ditetapkan the supervisory mechanism established by the Board of
oleh Direksi secara berkesinambungan dengan tujuan Directors on an ongoing basis with the aim of safeguarding
untuk menjaga dan mengamankan aset Bank, informasi and securing the Bank’s assets, providing reliable
yang terpercaya, mengurangi potensi kerugian dan information, reducing potential losses, and increasing
meningkatkan efektivitas organisasi dan efisiensi biaya. organizational effectiveness and cost efficiency.
Di bawah struktur tata kelola dan pengawasan, penerapan OK Bank’s risk management implementation is organized
manajemen risiko di OK BANK terorganisir dalam tiga “lini into three “lines of defense” under its governance and
pertahanan” Bank. supervision structure.
Lini pertama terletak pada masing-masing unit dimana setiap The first line resides in each unit, where each Risk Owner
Risk Owner (RO) dan setiap orang di Bank bertanggung (RO) and individual in the Bank is responsible for risk
jawab atas pengelolaan risiko sesuai jenis risiko dan management based on the type of risk and responsibility.
tanggung jawabnya. Lini kedua adalah Pengendalian Intern The second line includes Internal Control (part of the
(yang menjadi bagian pada Divisi Operasional) dan Satuan Operations Division) and the Compliance Work Unit (SKK).
Kerja Kepatuhan (SKK). Pengendalian Intern dan SKK akan Internal Control and SKK will make recommendations on
memberikan rekomendasi tindakan yang harus dilakukan what actions should be taken to ensure compliance with
guna memastikan kepatuhan terhadap ketentuan internal internal and external regulations.
dan eksternal.
Divisi Manajemen Risiko juga merupakan bagian dari lini The Risk Management Division is also on the second
kedua dan bertindak secara profesional dan independen line, acting professionally and independently to assist
untuk membantu penerapan kebijakan dan strategi in the implementation of the Bank’s risk management
manajemen risiko Bank, melakukan analisa dan memberikan policies and strategies, conducting analyses, and making
rekomendasi terutama kepada Dewan Direksi dan Komite recommendations, particularly to the Board of Directors
Pemantau Risiko dan sampai kepada seluruh unit kerja yang and the Risk Monitoring Committee, as well as to all work
ada di Bank. Divisi Manajemen Risiko bernaung di bawah units within the Bank. The Risk Management Division
Direktorat Kepatuhan Bank dengan struktur organisasi is under the Bank Compliance Directorate and has the
sebagai berikut: following organizational structure:
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Kepala Divisi Manajemen Risiko
Head of Risk Management Division
Unit Risiko Operasional &
Unit Risiko Kredit Unit Risiko Pasar & Likuiditas
Risiko Lainnya
Credit Risk Unit Market and Liquidity Risk Unit
Operational Risk and Other Risk Unit
Lini ketiga adalah Satuan Kerja Audit Internal (SKAI) yang The third line is the Internal Audit Work Unit (SKAI), which
melakukan audit berbasis risiko dengan mempertimbangkan conducts risk-based audits based on self-assessment
hasil self-assessment dan hasil review Pengendalian Intern results as well as Internal Control and SKK review results.
dan SKK.
PENERAPAN MANAJEMEN RISIKO IMPLEMENTATION OF RISK MANAGEMENT
Dalam mengelola risiko terutama pada risiko kredit In managing risk, particularly loan risk for the 2023 period,
periode 2023, Bank lebih selektif dalam memilih debitur the Bank is more selective in selecting debtors based on
didasarkan pada pengalaman Bank atas debitur bermasalah its experience with emerging problem debtors as well as
yang muncul serta segmentasi kredit yang terpengaruh credit segmentation impacted by pandemic conditions. The
oleh kondisi pandemi. Bank juga terus melakukan upaya Bank also continues to improve its loan analysis tools and
untuk melakukan penyempurnaan alat analisa kredit strives to align loan composition with business appetite
yang digunakan serta berupaya agar komposisi kredit and economic development conditions. In 2023, the Bank’s
diselaraskan dengan business appetite serta kondisi portfolio in the corporate loan segment increased rapidly in
perkembangan perekonomian. Pada tahun 2023 Portofolio line with the Bank’s business plan.
Bank pada segmen kredit korporasi meningkat pesat sejalan
dengan rencana bisnis Bank.
RISIKO UTAMA DI TAHUN 2023 KEY RISKS IN 2023
Pada tahun 2023, Bank menempatkan risiko kredit tetap In 2023, loan risk is designated to remain the Bank’s
menjadi risiko utama bagi Bank. Bank menyesuaikan most significant risk in 2023. The Bank responds to
dengan kondisi pasar dengan penyaluran kredit yang market conditions by providing loan, which reinforces
tetap meningkatkan prinsip kehati-hatian akibat naiknya the precautionary principle as interest rates rise and
suku bunga dan melemahnya pertumbuhan perekonomian national economic growth slows. The Bank continues to
nasional. Bank tetap melaksanakan prinsip selektif dalam implement the selective principle in determining which
memilih segmen debitur dan sektor yang akan dibiayai debtor segments and sectors to finance, particularly those
terutama pada segmen maupun sektor yang bertahan that will survive or grow after the pandemic is lifted but are
maupun meningkat pasca dicabutnya status pandemi, vulnerable to changes in interest rates and exchange rates.
namun rentan terhadap perubahan suku bunga dan nilai Internally, the Bank is continuing to strengthen debtor
tukar. Di sisi internal, Bank tetap memperkuat mekanisme monitoring mechanisms to ensure that existing debtors’
pemantauan debitur agar debitur yang ada tidak menurun loan quality does not decline.
kualitas kreditnya.
Risiko Operasional menjadi risiko utama selain risiko kredit In addition to loan risk, operational risk is the most significant
pada tahun 2023. Beberapa faktor yang harus diperhatikan risk in 2023. Several factors that the Bank must consider in
Bank terkait risiko operasional pada tahun 2023, antara terms of operational risk in 2023 include improving and
lain penyempurnaan dan pemantauan core banking monitoring core banking to support business activities,
sebagai sarana pendukung aktivitas bisnis serta persiapan as well as preparing a complete payment service system
kelengkapan infrastruktur sistem jasa pembayaran sesuai infrastructure in accordance with the regulator’s most
ketentuan terbaru dari regulator. recent regulations.
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Corporate Governance
TINJAUAN ATAS EFEKTIVITAS SISTEM OVERVIEW OF THE EFFECTIVENESS OF THE
MANAJEMEN RISIKO PERUSAHAAN COMPANY’S RISK MANAGEMENT SYSTEM
Secara umum efektivitas Sistem Manajemen Risiko In general, the Risk Management System manages the
dalam pengelolaan aktivitas bisnis Bank telah cukup Bank’s business activities quite effectively. The Bank has
memadai. Bank telah memiliki seluruh perangkat Sistem all of the Risk Management System tools, which include
Manajemen Risiko yang terdiri diri Struktur Organisanisi, the organizational structure, policies and procedures, risk
Kebijakan dan Prosedur, Limit-limit risiko hingga Sistem limits, and internal control systems. Banks manage business
Pengendalian Internal. Dalam mengelola aktivitas bisnis, activities in accordance with their predetermined risk
bank menyesuaikan dengan risk appetite yang telah appetite. Any exceedance of risk limits is always reported
ditetapkan. Setiap pelampauan terhadap limit-limit risiko to Bank Management so that they can respond to any
selalu dilaporkan kepada Manajemen Bank untuk dilakukan potential risks that may arise and take steps to adjust or
respon terhadap setiap potensi risiko yang dapat timbul improve the conditions. Statement of the Board of Directors
dan menentukan langkah penyesuaian maupun perbaikan and/or Board of Commissioners and the Risk Monitoring
terhadap kondisi tersebut. Pernyataan Direksi dan/atau Committee regarding the adequacy of the effectiveness of
Dewan Komisaris Komite Pemantau Risiko atas kecukupan the Risk Management System.
efektivitas Sistem Manajemen Risiko.
Secara umum Kecukupan Sistem Manajemen Risiko Bank In general, the Bank’s Risk Management System
telah berjalan cukup baik hal ini tercermin dari adanya adequacy has performed admirably, as evidenced by
review berkala pada Kebijakan dan Prosedur Bank serta periodic reviews of the Bank’s Policies and Procedures and
limit-limit Risiko yang menjadi dasar risk appetite bagi Risk Limits, which serve as the foundation for the Bank’s
aktivitas bisnis dan operasional Bank. Evaluasi berkala risk appetite for its business and operational activities.
atas kondisi risiko Bank telah dilakukan melalui laporan The Bank’s risk conditions have been evaluated on a
monitoring posisi risiko secara teratur. Unit-unit kerja telah regular basis through risk position monitoring reports. If
melakukan berbagai langkah mitigasi risiko dan perbaikan the evaluation results indicate that something needs to
apabila dalam hasil evaluasinya terdapat hal-hal yang be corrected or improved, work units have implemented
perlu dilakukan perbaikan maupun peningkatan. Direksi a variety of risk mitigation and improvement measures.
dan Komisaris senantiasa melakukan pemantauan kondisi The Board of Directors and the Board of Commissioners
potensi risiko yang timbul serta memberikan respons continuously monitor potential risk conditions, respond
terhadap kondisi potensi risiko tersebut dan selanjutnya to them, and then monitor the timely implementation of
melakukan pemantauan atas pemenuhan langkah-langkah corrective actions.
perbaikan secara tepat waktu.
KECUKUPAN INFRASTRUKTUR MANAJEMEN ADEQUACY OF BANK RISK MANAGEMENT
RISIKO BANK INFRASTRUCTURE
Sampai akhir tahun 2023, analisa oleh Divisi Manajemen Until the end of 2023, the Bank Risk Management Division’s
Risiko Bank (SKMR) menunjukkan bahwa Organisasi, (SKMR) analysis shows that the Bank’s Organization,
Kebijakan dan Prosedur, Sumber Daya Manusia, Permodalan Policies and Procedures, Human Resources, Capital,
dan Sistem Bank cukup memadai dalam pengelolaan risiko and Systems are adequate in managing risks associated
yang terkait dengan pelaksanakan kegiatan usaha Bank. with the implementation of its business activities.
PENERAPAN MANAJEMEN RISIKO UNTUK SETIAP IMPLEMENTATION OF RISK MANAGEMENT FOR
JENIS RISIKO EACH TYPE OF RISKS
Risiko Kredit Loan Risk
Rsiko kredit adalah risiko yang terjadi akibat kegagalan Loan risk is the risk that arises as a result of the counterparty’s
pihak lawan (counterparty) dalam memenuhi kewajibannya failure to meet its obligations (default) and remaining
(default) dan tetap tidak dapat membayar kewajibannya unable to pay its obligations, both principal and interest,
baik pinjaman pokok maupun bunganya setelah melewati after a certain number of days have passed in accordance
jumlah hari tertentu sesuai dengan perjanjian/ketentuan with the applicable agreement/stipulations.
berlaku.
Infrastruktur/Organisasi IInfrastructure/Organization
Unit bisnis Bank sebagai risk owner bertanggung jawab atas The Bank’s business units, as risk owners, are in charge
eksposur kredit Bank dan bertindak sebagai lini pertahanan of the Bank’s loan exposure and serve as the first line of
pertama dalam mengelola risiko kredit Bank. defense in managing the Bank’s loan risk.
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Dalam memenuhi governance yang baik, Bank juga memiliki In order to ensure good governance, the Bank also has
unit pemantauan (monitoring) yang terpisah dari unit bisnis a monitoring unit that is separate from the business
sehingga diharapkan dapat bekerja secara independen units and is expected to operate independently as
sebagai pelaksana pengawasan portofolio kredit the supervisor of the Bank’s loan portfolio. Loan risk
Bank. Pemantauan atas Risiko Kredit dilakukan dengan is monitored on a regular basis using monitoring
menggunakan laporan pemantauan yang dihasilkan oleh reports prepared by the Risk Management Division.
Divisi Manajemen Risiko dan dilakukan secara periodik.
Berdasarkan laporan ini maka manajemen Bank melalui Based on this report, Bank management, through the
Komite Kredit akan menetapkan arah kebijakan dan Credit Committee, will determine policy direction and
melakukan langkah-langkah yang harus dilakukan Bank take appropriate and timely steps to mitigate potential
secara tepat dan cepat untuk memitigasi Risiko Kredit yang loan risks.
dapat timbul.
Strategi dan Penerapan Manajemen Risiko Kredit Loan Risk Management Strategy and Implementation
Unit bisnis Bank sebagai risk owner bertanggung jawab atas The Bank’s business units as risk owners, are responsible for
eksposur kredit Bank dan bertindak sebagai lini pertahanan the Bank’s loan exposure and act as the first line of defense
pertama dalam mengelola risiko kredit Bank. in managing the Bank’s loan risk.
Dalam memenuhi governance yang baik, Bank juga memiliki In order to ensure good governance, the Bank also has a
unit pemantauan (monitoring) yang terpisah dari unit bisnis monitoring unit that is separate from the business units and
sehingga diharapkan dapat bekerja secara independen is expected to operate independently as the supervisor of
sebagai pelaksana pengawasan portofolio kredit Bank. the Bank’s loan portfolio.
Selama tahun 2023 risiko komposit kredit yang dimiliki Bank In 2023, the Bank’s composite credit risk will generally be at
secara umum berada pada tingkat Moderat. Faktor utama a moderate level. The main factors that influence the results
yang mempengaruhi hasil penilaian ini, adalah: of this assessment are:
1. Meningkatnya kredit kualitas rendah terutama akibat 1. The increase in low quality loans is mainly due to
debitur-debitur yang mengalami restrukturisasi akibat debtors undergoing restructuring as a result of the
terdampak kondisi pandemi COVID-19. impact of the COVID-19 pandemic.
2. Meningkatnya konsentrasi pada segmen Komersial 2. The increase in concentration of the Commercial and
dan Korporasi. Peningkatan konsentrasi ini juga Corporate segments. This increase in concentration is
disebabkan adanya penyaluran kredit berjumlah besar also due to the distribution of large amounts of loans to
kepada korporasi. Peningkatan segmentasi-segmentasi corporations. The increase in these segments is in line
tersebut merupakan penyelarasan dengan business with the Bank’s business appetite.
appetite Bank.
3. Meningkatkan konsentrasi debitur inti pada bank. 3. Increase the concentration of core debtors in banks.
Pada tahun 2023, strategi Bank untuk mengelola risiko In 2023, the Bank’s strategy for managing loan risk is:
kredit, adalah
1. Melaksanakan prosedur watchlist yang telah 1. Implement refined watchlist procedures to ensure that
disempurnakan agar pemantauan kinerja debitur dapat debtor performance monitoring runs optimally and
berjalan optimal dan Bank dapat melakukan langkah that the Bank can take anticipatory measures if debtor
antisipasi apabila ditemukan kondisi-kondisi debitur conditions are discovered that could affect the debtor’s
yang dapat mempengaruhi kualitas kredit debitur; loan quality;
2. Menetapkan dan mengawasi profil risiko debitur yang 2. Determine and monitor the risk profile of debtors
mengalami restrukturisasi kredit akibat situasi pandemi undergoing loan restructuring due to the COVID-19
COVID-19 dan membentuk pencadangan kerugian; pandemic situation, and establish provisions for losses.
3. Menetapkan dan melakukan review terhadap Risk 3. Establish and review the Risk Acceptance Criteria for all
Acceptance Criteria bagi seluruh segmen debitur debtor segments as a guide in selecting debtors;
sebagai panduan dalam pemilihan debitur;
4. Melakukan penyempurnaan seluruh kebijakan dan 4. Improve all policies and procedures related to the loan
prosedur terkait proses kredit termasuk kertas kerja process, including analytical working papers used in
analisa yang digunakan dalam menilai kelayakan kredit; assessing loan worthiness;
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5. Mengoptimalkan tim/unit pemantauan kredit 5. Optimize the loan monitoring team/unit, allowing
(monitoring) sehingga Bank dapat menetapkan langkah the Bank to take appropriate and quick anticipatory
antsipasi secara tepat dan cepat apabila terdapat measures if there are indications of a decline in debtor
indikasi penurunan kualitas kredit debitur; loan quality;
6. Meningkatkan kualitas pemantauan portofolio kredit 6. Improve the quality of monitoring of the Bank’s loan
Bank melalui laporan pemantauan kredit. portfolio through loan monitoring reports.
Kebijakan Pengelolaan Limit Risiko Kredit Loan Risk Limit Management Policy
Sepanjang tahun 2023, Bank secara periodik melakukan Throughout 2023, the Bank periodically monitored the
pemantauan terhadap kinerja portofolio kredit yang ada performance of its existing loan portfolio and set a number
dan menetapkan beberapa limit terkait risiko kredit seperti of loan risk limits, including limits on the level of non-
limit tingkat pembiayaan bermasalah, limit konsentrasi performing financing and loan concentration per economic
kredit per sektor ekonomi dan per segmen debitur. sector and debtor segment.
Proses Pengukuran dan Pengendalian Risiko Kredit Loan Risk Measurement and Control Process
Pendekatan Bank untuk mengukur dan mengendalikan The Bank’s approach to measuring and controlling loan risk
risiko kredit dimulai jauh sebelum pinjaman diberikan. begins well before a loan is made. The Bank carefully
Aktifitas analisa pasar dan segmentasi, pengembangan conducts market analysis and segmentation activities,
produk, standar untuk konsentrasi pinjaman dan kriteria as well as product development, loan concentration
penerimaan, dilakukan Bank secara hati-hati sehingga standards, and acceptance criteria, in the hope that the
diharapkan pemilihan debitur pada tahap awal dilakukan initial debtor selection will be appropriate. The Bank has set
secara tepat. Bank secara internal telah menetapkan several internal limits to help it mitigate Loan Risk.
beberapa limit untuk membantu Bank dalam memitigasi
Risiko Kredit.
Secara rutin Bank membuat laporan pemantauan posisi The Bank routinely prepares reports to monitor its
Bank terhadap limit Risiko Kredit yang telah ditetapkan. position in relation to the established Loan Risk limits.
Laporan dihasilkan dengan cara membandingkan angka Every month, reports are generated by comparing
neraca harian dengan limit Bank dan dikirimkan kepada unit daily balance figures to the Bank’s limits and
bisnis dan unit terkait lainnya dengan setiap bulannya. distributed to business units and other relevant units.
Hasil pantauan dibahas dalam rapat komite manajemen The monitoring results are discussed at the risk management
risiko dan dilanjutkan dengan melakukan pembahasan lebih committee meeting, followed by more detailed discussions
detail pada Komite Kredit dan rekomendasi yang dihasilkan at the Credit Committee, and recommendations resulting
dari pembahasan pada Komite Kredit akan disampaikan from those discussions will be returned to the Risk
kembali kepada Rapat Komite Manajemen Risiko untuk Management Committee Meeting for follow-up actions.
ditetapkan tindak lanjutnya.
Pendekatan untuk Pembentukan Cadangan Kerugian Approach to the Establishment of Allowance for
Penurunan Nilai (CKPN) Impairment Loss (CKPN
Sesuai dengan peraturan OJK, Bank menentukan penyisihan According to OJK regulations, the Bank determines the
kerugian penurunan nilai didasarkan bukti penurunan nilai allowance for impairment losses using evidence of
atas aset keuangan secara individual dan kolektif. Evaluasi individual and collective impairment of financial assets.
penurunan nilai terhadap aset keuangan yang memenui Individual impairment evaluations of financial assets that
kriteria signifikan secara individu dilakukan secara individu meet significant criteria are conducted (per customer).
(per nasabah). Semua aset keuangan yang mengalami All financial assets that experience impairment but are
penurunan nilai tetapi tidak signifikan secara individual, not significant individually are evaluated collectively to
maka dievaluasi secara kolektif untuk menentukan determine impairment by grouping them based on similar
penurunan nilainya dengan mengelompokkan aset risk characteristics.
keuangan tersebut berdasarkan karakteristik risiko yang
serupa.
Dalam menentukan penurunan nilai secara kolektif, In determining collective impairment, the Bank employs
Bank menggunakan model statistik dari data historis statistical models based on historical data on the
atas kemungkinan gagal bayar, saat pemulihan dan probability of default, the timing of recovery, and the
jumlah kerugian yang terjadi, yang disesuaikan dengan amount of losses incurred, adjusted for management’s
pertimbangan manajemen mengenai apakah kondisi assessment of whether current economic and
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ekonomi dan kredit saat ini mungkin menyebabkan kerugian loan conditions are likely to cause actual losses to be
aktual lebih besar atau lebih kecil daripada yang dihasilkan greater or less than those generated by historical data in
oleh data historis dalam model statistik. Dalam menghitung a statistical model. Certain assets are classified as mature
CKPN kolektif, aset tertentu diklasifikasikan sebagai aset (standard assets) when calculating the collective CKPN.
yang telah jatuh tempo (aset standar).
Untuk perhitungan penurunan nilai secara individual Individual impairment calculations are performed using
dilakukan berdasarkan perbedaan nilai sekarang (present the difference in present value between the initial cash
value) dari proyeksi cash flow awal dengan proyeksi cash flow projection and the cash flow projection based
flow berdasarkan rencana restrukturisasi kredit. Asset on the loan restructuring plan. Asset impairment is a
impairment adalah penurunan nilai aset karena nilai tercatat decrease in the value of an asset caused by the carrying
aset (carrying amount) melebihi nilai yang akan dipulihkan amount exceeding the value that can be recovered
(recoverable amount) melalui penggunaan atau penjualan (recoverable amount) through the asset’s use or sale.
aset.
Sehubungan dengan meningkatnya jumlah restrukturi kredit In response to the rising number of loan restructurings
akibat situasi pandemi COVID-19, bank telah membentuk caused by the COVID-19 pandemic, banks have
CKPN tambahan guna mengantisipasi memburuknya established additional CKPNs to anticipate worsening
kualitas kredit yang diselaraskan dengan profil risiko debitur loan quality, which is consistent with the risk
yang mengalami restrukturisasi tersebut. profile of debtors undergoing such restructuring.
Risiko Pasar Market Risk
Risiko Pasar adalah risiko pada posisi neraca dan rekening Market risk refers to the risk on the balance sheet and
administratif termasuk transaksi derivative, akibat administrative account positions, including derivative
perubahan secara keseluruhan dari kondisi pasar, termasuk transactions, caused by overall changes in market
risiko perubahan harga option. conditions, such as changes in option prices.
OK Bank hingga saat ini belum memasuki aktivitas trading OK Bank has not yet entered into trading activities and
dan tidak memiliki aset dan kewajiban dalam valuta has no assets or liabilities in foreign currency, structured
asing, structured product, derivatif dan ekuitas, sehingga products, derivatives, or equities, so only market risk from
hanya risiko pasar akibat perubahan suku bunga yang interest rate changes is considered.
diperhitungkan.
Komponen utama kewajiban OK BANK yang sensitif Customer deposits are the primary components of OK
terhadap pergerakan tingkat suku bunga adalah simpanan BANK’s interest rate-sensitive liabilities, while Government
nasabah, sedangkan aset OK BANK yang sensitif adalah Bonds, securities, and loan provided are its sensitive assets.
Obligasi Pemerintah, surat berharga dan kredit yang The Bank regularly monitors market developments and
diberikan. Bank secara berkala memantau perkembangan adjusts deposit and loan interest rates.
pasar dan menyesuaikan tingkat suku bunga simpanan dan
kredit.
Strategi dan Penerapan Manajemen Risiko Pasar Market Risk Management Strategy and Implementation
Dalam rangka pengelolaan risiko akibat pergerakan suku In order to manage risks associated with interest rate
bunga yang berpengaruh terhadap pendapatan dan movements that affect income and capital (Interest Rate Risk
permodalan (Interest Rate Risk in Banking Book/IRRBB). in Banking Book/IRRBB). In accordance with the provisions
Sesuai dengan ketentuan OJK dalam SEOJK Nomor 12/ of OJK Number 12/SEOJK.03/2018 on the Implementation
SEOJK.03/2018 tentang Penerapan Manajemen Risiko of Risk Management and Risk Measurement Standard
dan Pengukuran Risiko Pendekatan Standar untuk Risiko Approach for Interest Rate Risk in the Banking Book for
Suku Bunga dalam Banking Book (Interest Rate Risk in Commercial Banks. OK BANK has implemented the IRRBB
The Banking Book) bagi Bank Umum. OK BANK telah provisions, which include system improvements, changes
mengimplementasikan penerapan ketentuan IRRBB to internal policies, a review of methodology and its
tersebut, meliputi perbaikan atas sistem yang dimiliki, limitations, and a review of assumptions and models.
penyesuaian kebijakan internal, review metodologi beserta
limitnya, review asumsi dan model.
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Hasil pengukuran IRRBB sesuai dengan ketentuan telah IRRBB measurement results in accordance with the
dilaporkan secara triwulanan kepada OJK. provisions were reported to the OJK quarterly.
Dalam rangka pemantantauan Bank menetapkan Stop Loss In order to monitor, the Bank establishes a Stop
Limit dengan penerapan Management Action Trigger atas Loss Limit by implementing the Management Action
instrumen surat berharga yang dimiliki Bank sehingga Bank Trigger on securities instruments owned by the Bank,
dapat secara tepat dan cepat menetapkan langkah-langkah allowing the Bank to accurately and quickly determine
yang akan diambil terkait risiko pasar yang dihadapi. the next steps to take in response to market risks.
Divisi Manajemen Risiko bertanggung jawab dalam The Risk Management Division is in charge of monitoring
memonitor penggunaan limit risiko pasar. Unit kerja the use of market risk limits. Business work units are
bisnis berkewajiban mematuhi limit risiko pasar dan required to comply with market risk limits, and any excess
setiap pelampauan limit harus dilaporkan dan dimintakan must be reported and approved by ALCO.
persetujuan kepada ALCO.
Tata Kelola dan Organisasi Governance and Organization
Dalam rangka pengembangan organisasi yang independen In order to develop an independent and objective
dan objektif, pengelolaan risiko pasar dilakukan oleh organization, market risk management is carried out
unit kerja yang independen dengan menerapkan prinsip by independent work units by applying the principle of
segregation of duties yaitu pemisahan fungsi dan tanggung segregation of duties, namely the separation of functions
jawab yang terdiri dari Front Office, Middle Office dan Back and responsibilities consisting of the front Office, Middle
Office. Office and Back Office.
Front Office melakukan aktivitas bisnis dan berhubungan The Front Office carries out business activities and deals
dengan transaksi. Dalam melakukan aktivitasnya, fungsi with transactions. In carrying out its activities, the Front
Front Office dijalankan oleh Divisi Tresuri. Fungsi ini dibatasi Office function is carried out by the Treasury Division. This
dengan limit risiko yang ditetapkan oleh Bank. function is limited by the risk limit set by the Bank.
Middle Office merupakan satuan kerja yang melakukan The Middle Office is a work unit that carries out risk
fungsi manjemen risiko dalam bidang treasury. Middle management functions in the treasury sector. The Middle
Office melakukan fungsi kaji ulang risiko (risk review Office carries out a risk review function in daily treasury
function) pada kegiatan treasury sehari-hari. activities.
Back Office melaksanakan fungsi pengendalian terhadap The Back Office controls the settlement of treasury
penyelesaian transaksi treasury yang dilakukan Divisi transactions carried out by the Operations Division. The
Operasional. Back Office terpisah dari Dealing Room sebagai Back Office is separated from the Dealing Room to ensure
pemisahan tugas (segregation of duty) antara kegiatan a clear division of duties between Dealing Room and Back
yang dilakukan Staff Dealing Room dengan Staff Back Office. Office staff.
Pengelolaan dan Pengukuran Risiko Pasar – Banking Book Management and Measurement of Market Risk -Banking
Book
Risiko pasar Banking Book merupakan risiko yang muncul Banking Book market risk is a risk posed by changes in
karena terjadi perubahan suku bunga dan nilai tukar interest rates and exchange rates on Banking Book activities,
atas aktivitas Banking Book yang dapat berpengaruh which can have an impact on the bank’s profitability
pada profitabilitas Bank dan nilai ekonomis modal Bank. and the economic value of its capital. Banking Book
Pengelolaan risiko pasar Banking Book dilakukan dengan market risk management involves optimizing the balance
mengoptimalkan struktur neraca. OK BANK juga telah sheet structure. OK BANK has also set internal limits in
menetapkan limit internal sesuai dengan ketentuan accordance with regulatory provisions, which are regularly
regulator dan dimonitor secara berkala. Divisi Manajemen monitored. The Risk Management Division is in charge of
Risiko bertanggung jawab melakukan pemantauan atas monitoring compliance with established market risk limits.
kepatuhan limit risiko pasar yang telah ditetapkan. Setiap Every limit exceedance must be studied and discussed by
pelampauan limit harus dilakukan kajian serta dibahas pada the ALCO Committee, and if the results of the discussion
Komite ALCO dan apabila dari hasil pembahasan terdapat yield any recommendations, the recommendations must be
rekomendasi tertentu maka rekomendasi disampaikan submitted to the Risk Management Committee.
pada Komite Manajemen Risiko.
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Laporan Penerapan Manajemen Risiko Suku Bunga dalam Report on the Implementation of Interest Rate Risk
Banking Book Management in the Banking Book
Laporan perhitungan IRRBB posisi Desember 202
IRRBB calculation report for December 2023 position
Dalam Juta Rupiah
∆EVE ∆NII
In Million Rupiah
Periode
T T-1 T T-1
Period
Parallel up 140.385 151.012 127.299 105.442
Parallel down -219.287 -229.547 -134.955 -113.367
Steepener 128.567 121.955
Flattener -115.049 -106.755
Short rate up 2.826 13.820
Short rate down 5.142 -6.591
Nilai Maksimum Negatif (absolut) 219.287 229.547 134.955 113.367
Negative Maximum Value (absolute)
Modal Tier 1 (untuk ∆EVE) atau Projected Income 3.496.935 3.492.880 617.035 742.951
(untuk ∆NII)
Tier 1 Capital (for ∆EVE) or Projected Income (for
∆NII)
Nilai Maksimum dibagi Modal Tier 1 (untuk ∆EVE) 6,27% 6,57% 21,87% 15,26%
atau Project Income (untuk ∆NII)
Maximum Value divided by Tier 1 Capital (for ∆EVE)
or Project Income (for ∆NII)
Pengungkapan Laporan Manajemen Risiko untuk Risiko Suku Bunga dalam Banking Book (IRRBB)
Disclosure of Risk Management Reports for Interest Rate Risk in the Banking Book (IRRBB)
Analisis Kuantitatif | Quantitative Analysis
1 Penjelasan mengenai bagaimana Bank mendefinisikan IRRBB untuk pengukuran dan pengendalian Risiko.
Explanation of how the Bank defines IRRBB for risk measurement and control.
Risiko suku bunga dalam Banking Book atau Interest Rate Risk in The Banking Book, yang selanjutnya disingkat IRRBB, merupakan risiko akibat
pergerakan suku bunga di pasar yang berlawanan dengan posisi Banking Book, yang berpotensi memberikan dampak terhadap permodalan
dan rentabilitas (earnings) Bank baik untuk saat ini maupun pada masa mendatang.
Bank melakukan pengukuran IRRBB menggunakan dua metode yakni pengukuran berdasarkan perubahan pada nilai ekonomis dari ekuitas
(economic value of equity) atau disingkat ΔEVE dan pengukuran berdasarkan perubahan pada pendapatan bunga bersih (net interest income)
atau disingkat ΔNII. Simulasi ΔEVE dan ΔNII dilakukan sesuai scenario kenaikan dan penurunan suku bunga (rate shock) dalam SE OJK Nomor
12/SEOJK.03/2018.
Interest rate risk in the Banking Book, or abbreviated as IRRBB, is a risk resulting from market movements in interest rates in the market that
are opposite to the position of the Banking Book, and has the potential to have an impact on the Bank's capital and profitability (earnings)
both now and in the future.
The Bank measures IRRBB using two methods, namely measurements based on changes in the economic value of equity or abbreviated as
ΔEVE and measurements based on changes in net interest income or abbreviated as ΔNII. The ΔEVE and ΔNII simulations were carried out
according to the scenario of interest rates increase and decrease (rate shock) in OJK SE Number 12/SEOJK.03/2018.
2 Penjelasan mengenai strategi Manajemen Risiko dan mitigasi Risiko untuk IRRBB.
Explanation of IRRBB's risk management and mitigation strategies.
Bank mengelola eksposur IRRBB menggunakan pendekatan nilai ekonomis (economic value) serta pendekatan rentabilitas (earning based
measures). Sebagai penerapan segregation of duty, Divisi Tresuri bertindak sebagai unit yang berfungsi mengelola risiko suku bunga dan
Divisi Manajemen Risiko bertindak sebagai unit yang dalam memonitoring risiko suku bunga yang timbul.
Untuk tujuan pengendalian dan mitigasi risiko suku bunga dalam Banking Book, Bank menetapkan pengendalian berupa penerapan limit dan
risk appetite.
The Bank manages its IRRBB exposure using both an economic value and a profitability approach (earning based measures). As an
implementation of segregation of duties, the Treasury Division acts as a unit that manages interest rate risk, while the Risk Management
Division acts as a unit that monitors interest rate risks that arise.
In order to control and mitigate interest rate risk in the Banking Book, the Bank establishes controls in the form of implementing limits and
risk appetite
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Pengungkapan Laporan Manajemen Risiko untuk Risiko Suku Bunga dalam Banking Book (IRRBB)
Disclosure of Risk Management Reports for Interest Rate Risk in the Banking Book (IRRBB)
Analisis Kuantitatif | Quantitative Analysis
3 Periodisasi perhitungan IRRBB Bank dan penjelasan mengenai pengukuran spesifik yang digunakan Bank untuk mengukur sensitivitas
terhadap IRRBB.
Periodization of the Bank's IRRBB calculations and explanation of the specific measurements used by the Bank to measure sensitivity to the
IRRBB.
Perhitungan IRRBB dilakukan secara triwulanan yang selanjutnya akan menjadi bagian dari Profil Risiko, bagian dari Self-Assessment Tingkat
Kesehatan Bank, bagian dari Informasi Kuantitatif Eksposur Risiko, dan bagian dari Pengungkapan Praktik Manajemen Risiko.
Dalam rangka pengukuran atas eksposur IRRBB, Bank menggunakan nilai ekonomis (economic value) serta rentabilitas (earning) sebagai dasar
metode pengukuran. Pengukuran nilai ekonomis dari ekuitas (economic value of equity) yang selanjutnya disebut EVE mengukur perubahan
nilai ekonomis atas asset, liability dan rekening administratif (off balance sheet) Bank yang disebabkan pergerakan suku bunga.
Untuk saat ini, Bank mengukur perubahan EVE sebagai penurunan maksimum dari nilai ekonomis banking book dalam enam standar skenario
bunga yang didefinisikan oleh Basel Committee on Banking Supervision (BCBS) dan OJK sebagaimana tercantum dalam SEOJK IRRBB no
SEOJK/12/2018.
IRRBB calculations are carried out on a quarterly basis and are then become part of the Risk Profile, part of the Self-Assessment of the Bank's
Soundness Level, part of the Quantitative Information on Risk Exposure, and part of the Disclosure of Risk Management Practices.
In order to measure IRRBB exposure, the Bank uses economic value and profitability as the basis for the measurement method. Measuring
the economic value of equity, hereinafter referred to as EVE, measures changes in the economic value of the Bank's assets, liabilities and off-
balance sheet accounts due to movements in interest rates.
Currently, the Bank measures changes in EVE as the maximum decrease in the economic value of the banking book under six standard interest
scenarios defined by the Basel Committee on Banking Supervision (BCBS) and OJK, as stated in SEOJK IRRBB no SEOJK/12/2018.
4 Penjelasan mengenai skenario shock suku bunga dan skenario stress yang digunakan Bank dalam perhitungan IRRBB dengan menggunakan
metode EVE dan NII.
Explanation of the interest rate shock scenario and stress scenario used by the Bank in calculating IRRBB using the EVE and NII methods.
Pengukuran eksposur IRRBB dilakukan berdasarkan 6 (enam) skenario suku shock suku bunga sebagai berikut:
IRRBB exposure measurement is carried out based on 6 (six) interest rate shock scenarios as follows:
Estimasi Perubahan
Skenario Penjelasan Change Estimation
Scenario Explanation Economic
Earning
Value
Parallel Up Shock suku bunga yang paralel ke atas √ √
Parallel up interest rate shock
Parallel Down Shock suku bunga yang paralel ke bawah. √ √
Parallel down interest rate shock.
Steepener Shock suku bunga yang melandai suku bunga jangka pendek menurun dan √
suku bunga jangka panjang meningkat (short rates down and long rates up).
An interest rate shock causes short-term interest rates to decrease and
long-term interest rates to increase (short rates down and long rates up).
Flattener Shock suku bunga yang mendatar dengan perpaduan suku bunga jangka √
pendek meningkat dan suku bunga jangka panjang menurun.
Flattening interest rate shock with a mix of rising short-term interest rates
increases and long-term interest rates decreases
Short Up Shock suku bunga jangka pendek yang meningkat. √
Short-term interest rate shock increases
Short Down Shock suku bunga jangka pendek yang menurun. √
Short-term interest rate shock decreases.
5 Asumsi permodelan yang digunakan secara signifikan dalam Internal Measurement System (IMS) – apabila ada.
Modeling assumptions used significantly in the Internal Measurement System (IMS) – if any.
Tidak terdapat perbedaan metodologi maupun asumsi-asumsi permodelan dalam rangka perhitungan yang digunakan dalam Internal
Measurement System (IMS). Dengan kata lain, Bank menggunakan Standardized Approach sebagai acuan dalam peritungan IRRBB sebagai
untuk keperluan pengelolaan internal.
The Internal Measurement System's calculation framework contains no differences in methodology or modeling assumptions. In other words,
the Bank uses the Standardized Approach as a reference to calculate IRRBB for internal management purposes.
6 Penjelasan mengenai bagaimana Bank melakukan lindung nilai (hedging) terhadap IRRBB (apabila ada) dan perlakuan akuntansi terkait.
Explanation of how the Bank hedges the IRRBB (if any) and the related accounting treatment.
Saat ini Bank belum menerapkan melakukan lindung nilai (hedging) terhadap IRRBB.
Currently the Bank has not implemented hedging against IRRBB.
7 Penjelasan komprehensif mengenai asumsi utama pemodelan dan parametrik yang digunakan dalam menghitung ΔEVE dan ΔNII:
Comprehensive explanation of the main modeling and parametric assumptions used in calculating ΔEVE and ΔNII:
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Pengungkapan Laporan Manajemen Risiko untuk Risiko Suku Bunga dalam Banking Book (IRRBB)
Disclosure of Risk Management Reports for Interest Rate Risk in the Banking Book (IRRBB)
Analisis Kuantitatif | Quantitative Analysis
a. Untuk metode EVE, bank menghitung seluruh arus kas dimana tidak termasuk margin yang didiskonto dengan risk free rate pada saat tanggal
pelaporan.
For the EVE method, the bank calculates all cash flows which do not include margin discounted at the risk free rate at the reporting date.
b. Bank mempunyai eksposur suku bunga dari posisi Non-Maturity Deposits (NMDs). Bank melakukan permodelan dua tahap sesuai dengan
ketentuan SEOJK IRRBB. Di tahap pertama Bank melakukan analisa perubahan volume untuk menentukan porsi NMD yang stabil dalam arti
mempunyai kemungkinan kecil untuk ditarik nasabah. Di tahap kedua Bank mengukur proporsi simpanan inti dari NMD stabil yang tidak akan
ditarik nasabah berdasarkan sensitivitasnya terhadap perubahan suku bunga.
Banks have interest rate exposure from Non-Maturity Deposits (NMDs) positions. The Bank carries out two-stage modeling in accordance
with SEOJK IRRBB provisions. In the first stage, the Bank analyzes changes in volume to determine the portion of NMD that is stable in the
sense that it has a small possibility of being withdrawn by customers. In the second stage the Bank measures the proportion of core savings
from stable NMD that customers will not withdraw based on their sensitivity to changes in interest rates.
c. Dalam mengestimasi prepayment rate dari pinjaman, Bank menggunakan metode statistik dengan berdasarkan data historis dalam
menganalisa tingkat pelunasan kredit yang dipercepat. Sedangkan dalam mengestimasi early withdrawal rate untuk deposito berjangka,
Bank menggunakan metode Exponential Weighted Moving Average (EWMA). Model ini mengasumsikan bahwa hasil proyeksi esok hari
dipengaruhi oleh data aktual hari ini dan data lampau. Beberapa dimensi utama yang mempengaruhi tingkat penarikan nasabah antara lain:
suku bunga deposito, nominal deposito, dan beberapa faktor lainnya
In estimating the prepayment rate of loans, the Bank uses statistical methods based on historical data in analyzing accelerated loan
repayment rates. Meanwhile, in estimating the early withdrawal rate for time deposits, the Bank uses the Exponential Weighted Moving
Average (EWMA) method. This model assumes that tomorrow's projected results are influenced by today's actual data and past data. Several
main dimensions that influence customer withdrawal rates include: deposit interest rates, deposit nominal, and several other factors
d. Tidak terdapat asumsi lain yang digunakan oleh Bank di luar asumsi-asumsi yang ditetapkan oleh SEOJK IRRBB.
There are no other assumptions used by the Bank apart from the assumptions set by the SEOJK IRRBB.
e. Bank belum tergolong Bank Devisa, sehingga hanya memperhitungkan IRRBB untuk mata uang rupiah saja.
The Bank is not yet classified as a foreign exchange bank, so it only takes into account the IRRBB for rupiah currency.
Analisis Kuantitatif | Quantitative Analysis
1 Rata-rata jangka waktu penyesuaian suku bunga (repricing maturity) yang diterapkan untuk NMD.
Average period of interest rate adjustment (repricing maturity) applied to NMD.
Rata-rata Repricing Maturity untuk Rupiah adalah 1,75 Tahun
Average Repricing Maturity for the Rupiah is 1.75 Years
2 Jangka waktu penyesuaian suku bunga (repricing maturity) terlama yang diterapkan untuk NMD.
The longest interest rate adjustment period (repricing maturity) applied to NMD.
Repricing Maturity terpanjang untuk Rupiah adalah 5,5 Tahun
The longest repricing maturity for the Rupiah is 5.5 years
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Bank Liquidity risk is the risk resulting from the Bank’s inability to
untuk memenuhi kewajiban yang jatuh tempo dari sumber meet maturing obligations from cash flow funding sources
pendanaan arus kas dan/atau dari aset likuid berkualitas and/or from high quality liquid assets that can be pledged
tinggi yang dapat diagunkan, tanpa mengganggu aktivitas as collateral without disrupting the Bank’s activities and
dan kondisi keuangan Bank. financial condition.
Strategi dan Penerapan Manajemen Risiko Likuiditas Strategy and Implementation of Liquidity Risk
Management
Pengelolaan risiko likuiditas ini bertujuan untuk This liquidity risk management aims to minimize the risk
meminimalkan risiko ketidakmampuan Bank dalam of the Bank’s inability to obtain cash flow funding sources
memperoleh sumber pendanaan arus kas dan membangun and build the structural liquidity strength of the Bank’s
kekuatan likuiditas struktural neraca Bank untuk mendukung balance sheet to support sustainable long-term growth.
pertumbuhan jangka panjang yang berkesinambungan. The Bank proactively reviews the appropriate interest rate
Bank secara proaktif melakukan kajian tingkat suku bunga for deposit funds in accordance with liquidity conditions to
dana deposito yang tepat sesuai dengan kondisi likuiditas maintain the overall position of third-party funds.
untuk menjaga posisi dana pihak ketiga secara keseluruhan.
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Tata Kelola Perusahaan
Corporate Governance
Dalam rangka mengelola risiko likuiditas secara terukur In order to manage liquidity risk in a measurable and
dan komprehensif, Bank menerapkan strategi, antara lain comprehensive manner, the Bank implements strategies,
sebagai berikut: including the following:
• Menetapkan limit rasio likuiditas yang mengacu kepada • Determine liquidity ratio limits that refer to regulatory
ketentuan regulator; provisions;
• Melakukan Stress Testing risiko likuiditas secara berkala • Conduct regular liquidity risk stress testing to determine
untuk mengetahui efek perubahan faktor internal the effect of changes in internal factors and market
maupun faktor pasar pada kondisi krisis terhadap factors during crises on the bank’s liquidity condition
kondisi likuiditas Bank dalam 30 hari ke depan dan in the next 30 days and add scenarios for the impact of
menambahkan skenario dampak memburuknya kualitas declining loan quality on bank liquidity.
kredit terhadap likuiditas bank.
• Pemenuhan dan menjaga Liquidity Coverage Ratio • Fulfilling and maintaining a daily Liquidity Coverage
(LCR) secara harian di atas 100% dan Net Stable Funding Ratio (LCR) above 100% and a quarterly Net Stable
Ratio (NSFR) secara triwulanan di atas 100%. Funding Ratio (NSFR) above 100%.
Tata Kelola dan Organisasi Governance and Organization
Divisi Manajemen Risiko secara rutin melakukan analisis dan The Risk Management Division routinely analyzes and prepares
siapkan laporan terhadap posisi likuiditas Bank, selanjutnya reports on the Bank’s liquidity position, then submits these
menyampaikan hasil tersebut secara mingguan dan bulanan results on a weekly and monthly basis to Bank management.
kepada manajemen Bank.
Ketentuan mengenai kepatuhan terhadap limit, dilakukan Provisions regarding compliance with limits are carried out
oleh: by:
1. Divisi Tresuri dan dipantau oleh DIvisi Manajemen Risiko 1. Treasury Division and monitored by the Risk
melalui laporan pemantauan posisi Bank terhadap limit Management Division through monitoring reports on
Risiko likuiditas mingguan dan bulanan; the Bank’s position on weekly and monthly liquidity risk
limits;
2. Hasil pantauan akan dibahas dalam Komite Manajemen 2. Monitoring results will be discussed in the Risk
Risiko dan Komite ALCO bila diperlukan. Management Committee and ALCO Committee if
necessary.
Hasil pembahasan pada Komite ALCO akan diajukan kepada If there are recommendations that need to be discussed
Komite Manajemen Risiko apabila terdapat rekomendasi and decided, the ALCO Committee’s discussion results
yang perlu dibahas dan diputuskan. will be submitted to the Risk Management Committee for
consideration.
Risiko Operasional Operational Risk
Risiko Operasional adalah risiko akibat ketidakcukupan dan/ Operational Risk is the risk resulting from inadequacy and/or
atau tidak berfungsinya proses internal, kesalahan manusia, non-functioning of internal processes, human error, failure
kegagalan atau tidak berfungsinya sistem dan/atau or non-functioning of systems, and/or external events that
adanya kejadian-kejadian eksternal yang mempengaruhi affect the Bank’s operations.
operasional Bank.
Strategi dan Penerapan Manajemen Risiko Risk Management Strategy and Implementation
Tingkat risiko Operasional Bank sepanjang tahun 2023 The level of Bank Operational risk throughout 2023 was
banyak dipengaruhi oleh penerapan produk dan aktivitas heavily influenced by the implementation of new products
baru termasuk diantaranya peningkatan infrastruktur and activities, including improvements to information
teknologi informasi. Beberapa faktor penting yang technology infrastructure. Several important factors
mempengaruhi Risiko Operasional Bank tersebut, yaitu: influence the Bank’s Operational Risk, namely:
1. Pelaksanaan produk dan aktivitas baru; 1. Implementation of new products and activities;
2. Penerapan Sistem Pembayaran Baru BI-Fast; 2. Implementation of the New BI-Fast Payment System;
3. Peningkatan pemahaman terkait pengendalian Risiko 3. Increased understanding regarding Operational Risk
Operasional pada risk owner masing-masing; control for each risk owner;
4. Peningkatan jumlah dan komposisi karyawan alih daya 4. Increasing the number and composition of outsourced
untuk mendukung operasional Bank. employees to support Bank operations
.
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Beberapa penerapan manajemen risiko untuk memitigasi Several risk management applications to mitigate
Risiko Operasional pada periode 2023, antara lain: Operational Risk in 2023 include:
1. Penyempurnaan dan penyesuaian kebijakan, prosedur 1. Refinement and adjustment of Bank policies,
hingga sistem operasional Bank untuk mendukung procedures, and operational systems to support the
pelaksanaan produk dan aktivitas baru pada Bank; implementation of new products and activities at the
Bank;
2. Melakukan sosialisasi dan diskusi kepada seluruh unit 2. Conduct socialization and discussions with all work
kerja atas implementasi Manajemen Risiko Operasional units regarding the implementation of Operational Risk
yang berlaku di internal Bank; Management that applies internally to the Bank;
3. Melakukan uji coba Disaster Recovery Planning (DRP) 3. Conduct Disaster Recovery Planning (DRP) trials on
pada server DRC Bank dan Uji coba BCP serta call tree the Bank’s DRC server and BCP, as well as call tree
guna memastikan langkah Contingency Plan dapat trials, to ensure the contingency plan steps can run
berjalan pada saat diperlukan dan Menyusun Prosedur when needed. Develop Business Impact Analysis (BIA)
Business Impact Analysis (BIA) guna memetakan procedures to map the impact of risks and operational
dampak risiko dan gangguan operasional dalam disruptions during the implementation of the Business
pelaksanaan Business Contingency Plan. Contingency Plan.
4. Pemantauan keluhan dan pengaduan nasabah 4. Monitoring feedback and complaints from customers
pengguna layanan Bank secara khusus melalui customer using Bank services, specifically through customer care;
care;
5. Menghitung aset tertimbang menurut risiko untuk risiko 5. Calculate risk-weighted assets for operational risk
operasional dengan menggunakan pendekatan standar using a standard approach for commercial banks in
bagi bank umum sesuai dengan ketentuan Surat Edaran accordance with the provisions of Financial Services
Otoritas Jasa Keuangan Nomor 6/SEOJK.03/2020; Authority Circular Letter Number 6/SEOJK.03/2020;
6. Meningkatkan pemahanan kepada karyawan terkait 6. Increase employees’ understanding regarding internal
pengendalian internal pada proses kerja; control in work processes;
7. Pemeliharaan Sertifikasi ISO 27001:2013 dalam rangka 7. Maintaining ISO 27001:2013 Certification in order to
penerapan standardisasi Sistem Manajemen Keamanan implement standardization of the Information Security
Informasi serta memenuhi Peraturan Bank Indonesia Management System and comply with Bank Indonesia
Nomor 23/06/21 tentang Penyedia Jasa Pembayaran; Regulation Number 06/23/21 concerning Payment
Service Providers;
8. Meningkatkan tata kelola dan audit keamanan sistem 8. Improve governance and system security audits in the
pada teknologi informasi Bank; Bank’s information technology;
9. Membuka Kantor Cabang (KC) baru di Bandung. 9. Opened a new Branch Office (KC) in Bandung.
Risiko Hukum Legal Risk
Risiko Hukum adalah risiko akibat tuntutan hukum dan/atau Legal Risk is the risk resulting from lawsuits and/or
kelemahan aspek yuridis. Sepanjang tahun 2023 terdapat weaknesses in juridical aspects. Throughout 2023, there
adanya beberapa kasus litigasi ataupun permasalahan were several litigation cases or legal issues, most of which
hukum yang sebagian besar terkait dengan gugatan dari were related to lawsuits from defaulting debtors, but the
debitur gagal bayar, namun sebagian besar tuntutan majority of these lawsuits did not have the potential to
tersebut tidak berpotensi mengakibatkan Bank mengalami result in the Bank experiencing losses.
kerugian.
Strategi dan Penerapan Manajemen Risiko Hukum Strategy and Implementation of Legal Risk Management
Bank melalui Divisi Hukum tetap melakukan dan The Bank, through the Legal Division, continues to carry out
mendokumentasikan pemantauan terhadap dokumen and document monitoring of legal documents that are still
hukum yang masih tertunda khususnya untuk nasabah pending, especially for customers who receive Bank loans.
penerima kredit Bank, Kajian terhadap perjanjian-perjanjian A review of agreements with other parties, especially in
dengan pihak lain terutama dalam kaitan pemberian kredit relation to the provision of loans and forms of collateral
dan bentuk jaminan yang diterima oleh Bank dilakukan received by the Bank, is carried out periodically by the Bank
secara berkala oleh Bank agar posisi Bank dapat tetap so that the Bank’s position can remain protected. Overall,
terlindungi. Secara keseluruhan kualitas penerapan the quality of the Bank’s implementation of legal risk
manajemen risiko hukum Bank telah dilaksanakan dengan management has been properly implemented.
baik.
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Tata Kelola Perusahaan
Corporate Governance
Risiko Stratejik Strategic Risk
Risiko stratejik adalah risiko akibat ketidaktepatan dalam Strategic risk is the risk resulting from inaccuracy in making
pengambilan dan/atau pelaksanaan suatu keputusan and/or implementing a strategic decision as well as failure
stratejik serta kegagalan dalam mengantisipasi perubahan to anticipate changes in the business environment. Strategic
lingkungan bisnis. Identifikasi risiko stratejik dilakukan risk identification is carried out periodically in accordance
secara berkala sesuai dengan pengalaman kerugian di masa with past experience of losses caused by strategic factors.
lalu yang disebabkan oleh faktor stratejik.
Pada tahun 2023, Bank membukukan Laba sebesar Rp23,66 In 2023, the Bank posted an income of IRp 23.66 billion,
miliar dengan total aset yang meningkat menjadi Rp11,10 and its total assets reached Rp 11.10 trillion. The bank is still
triliun. Bank masih didukung dengan permodalan yang kuat supported by strong capital, with a Capital Adequacy Ratio
dengan nilai Capital Adequacy Ratio (CAR) sebesar 48,90%%. (CAR) value of 48.90%%.
Secara rasio Bank belum mengalami perbaikan kualitas In terms of ratios, the Bank has not experienced an
kredit terhadap rasio NPL bruto dibandingkan dengan improvement in loan quality to gross NPL ratio compared
tahun sebelumnya. Pada akhir tahun 2023, rasio bruto NPL to the previous year. At the end of 2023, the gross NPL
(termasuk pembiayaan ke BPR) sebesar 2,62% dan rasio ratio (including financing to BPR) was 2.62%, and the
bruto (non BPR) sebesar 2,69%. Sedangan rasio NPL bersih gross ratio (non-BPR) was 2.69%. Meanwhile, the net NPL
(net) mengalami penurunan dibandingkan dengan tahun ratio decreased compared to the previous year, where the
sebelumnya dimana rasio net (termasuk BPR) sebesar 1,53% net ratio (including BPR) was 1.53% and the net ratio (non-
dan rasio net (non BPR) sebesar 1,58%. BPR) was 1.58%.
Strategi dan Penerapan Manajemen Risiko Stratejik Strategy and Implementation of Strategic Risk Management
Pencapaian kinerja Bank terutama beberapa rasio keuangan The Bank’s performance achievements, especially several
seperti pertumbuhan aset, portofolio pinjaman dan rasio financial ratios such as asset growth, loan portfolio, and
gagal bayar dibahas secara teratur antara kepala divisi dan default ratio, are discussed regularly between division
Direktur. Divisi manajemen risiko juga telah melakukan heads and Directors. The risk management division has
pemantauan dan pengukuran indikator risiko strategis dan also monitored and measured strategic risk indicators and
secara berkala dilaporkan ke semua unit yang ada di Bank. regularly reported them to all units in the Bank.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan adalah risiko akibat Bank tidak mematuhi Compliance risk is the risk resulting from the Bank non-
dan/atau tidak melaksanakan peraturan perundangan dan compliance with and/or non-implementation of applicable
ketentuan yang berlaku. Risiko inheren kepatuhan terdiri laws and regulations. Compliance-inherent risks consist of
dari risiko inheren yang bersifat kuantitatif dan risiko quantitative inherent risks and qualitative inherent risks.
inheren yang bersifat kualitatif.
Risiko inheren yang bersifat kuantitatif direpresentasikan Quantitative inherent risk is represented through the ratios
melalui rasio-rasio Batas Maksimum Pemberian Kredit of the Legal Lending Limit (BMPK), Minimum Statutory
(BMPK), Giro Wajib Minimum (GWM) dan tingkat kecukupan Reserve (GWM) and risk-based capital adequacy levels.
modal berdasarkan risiko. Sedangkan risiko inheren yang Meanwhile, inherent risks of a qualitative nature are
bersifat kualitatif direpresentasikan dalam pelaksanaan represented in the implementation of Good Corporate
Good Corporate Governance (GCG) yang mencakup Governance (GCG), which includes governance structure,
governance structure, governance process dan governance governance process, and governance outcomes of Bank
outcome dari operasional Bank. operations.
Strategi dan Penerapan Manajemen Risiko Kepatuhan Strategy and Implementation of Compliance Risk
Management
Secara aktif Bank melakukan sosialisasi ketentuan baru, baik The Bank actively socializes new regulations, both from
yang berasal dari regulator ataupun instansi terkait lainnya regulators and other related agencies, periodically
secara periodik baik dengan menggunakan media e-mail using e-mail or meetings between related units. The
ataupun pertemuan antar unit yang terkait. Pelaksanaan implementation of AML-CTF has also experienced quite
APU-PPT juga mengalami perbaikan yang cukup baik good improvements with active and good coordination
dengan adanya koordinasi aktif dan baik antara Unit Kerja between the Compliance Work Unit (UKK) in each Bank
Kepatuhan (UKK) yang ada di setiap kantor cabang Bank branch office and the existing business team.
dengan team bisnis yang ada.
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Sebagai komitmen Bank dalam menjaga aspek governance As the Bank’s commitment to maintaining aspects of the
process maka: governance process, thus:
• Bank berupaya mulai dari Dewan Komisaris, komite- • The Bank makes efforts, starting with the Board of
komite, Direksi dan seluruh karyawan Bank untuk Commissioners, committees, the Board of Directors and
melaksanakan kebijakan dan prosedur yang berlaku all Bank employees, to implement applicable policies
serta melakukan proses pengkinian dan kaji ulang and procedures and carry out continuous updating and
secara berkelanjutan sesuai perkembangan kegiatan review processes in accordance with developments
usaha dan kompleksitas kegiatan operasional Bank; in business activities and the complexity of the Bank’s
operational activities;
• Bank melaksanakan diseminasi dan sosialisasi peraturan • The Bank carries out the dissemination and socialization
baru, melaksanakan beberapa pelatihan internal, of new regulations, carries out several internal trainings,
mengikuti pelatihan dan sosialisasi yang diadakan oleh and participates in training and socialization held by
regulator. regulators.
Pencapaian pemenuhan pengkinian data mencapai pada The completion of data updates by the end of 2023 has
akhir tahun 2023 telah tercapai. Metode pengkinian been achieved. The Bank’s data updating method is quite
data yang dilakukan Bank cukup membantu pencapaian useful in completing data updates. The Bank also continues
pemenuhan pengkinian data. Bank juga terus melakukan to make improvements on the Bank’s operational side,
perbaikan di sisi operasional Bank terutama terkait dengan especially in relation to fulfilling the commitment to resolve
pemenuhan komitmen penyelesaian temuan dari OJK findings from the OJK in accordance with the agreed
sesuai dengan komitmen yang disepakati commitments.
Risiko Reputasi Reputational Risk
Risiko reputasi adalah risiko akibat menurunnya tingkat Reputation risk is a risk resulting from a decrease in
kepercayaan stakeholder yang bersumber dari persepsi the level of stakeholder trust originating from negative
negatif terhadap Bank. Dengan didukung permodalan yang perceptions of the Bank. Supported by strong capital, the
kuat bank terus melakukan peningkatan usaha dengan bank continues to improve its business by developing
melakukan pengembangan segmentasi penyaluran kredit. loan distribution segmentation. Apart from that, the Bank
Selain itu bank juga menyalurkan produk-produk retail also distributes retail products that can be enjoyed by
yang dapat dinikmati masyarakat luas. Dengan terus the wider community. By continuing to increase business
meningkatkan pengembangan usaha dan promosi usaha development and broad business promotion, it is hoped
secara luas diharapkan akan semakin memperkokoh kinerja that it will further strengthen the Bank’s performance and
bank dan memperkuat reputasi Bank. reputation.
Strategi dan Penerapan Manajemen Risiko Reputasi Reputational Risk Management Strategy and
Implementation
Bank terus melakukan pemantauan terhadap segala The Bank continues to monitor all types of news concerning
macam pemberitaan yang berkaitan dengan reputasi the Bank’s reputation. Efforts to mitigate reputation risks,
Bank. Upaya meminimalisasi risiko reputasi yang terjadi, such as negative coverage of the Bank, are made through
seperti pemberitaan negatif terhadap Bank, dilakukan policies and procedures for customer complaint reporting
dengan kebijakan dan prosedur mekanisme pelaporan mechanisms, as well as monitoring reports on the Bank’s
pengaduan nasabah dan juga melalui laporan pemantauan news/publications in the mass media. In addition, the Bank
pemberitaan/publikasi Bank di media masa. Selain itu Bank promotes its brand through social media marketing and
juga memperluas brand perusahaan melalui pemasaran dan socialization.
sosialisasi melalui media sosial.
Bank secara periodik melakukan pemantauan terhadap The Bank monitors customer complaints and grievances on
keluhan dan pengaduan nasabah melalui rapat manajemen a regular basis through risk management meetings, and to
risiko dan sampai saat ini strategi Bank dengan date, the Bank’s strategy of using customer care and service
menggunakan customer care dan customer service untuk to address customer complaints and grievances appears to
melayani keluhan dan pengaduan nasabah terlihat cukup be quite effective. Customer feedback and complaints are
efektif. Keluhan dan pengaduan nasabah yang ditangani recorded in a special application (ticketing application),
dicatat dalam aplikasi khusus (aplikasi ticketing) sehingga ensuring that historical data on customer complaints
data historis dari keluhan dan pelayanan nasabah tercatat and services, including the resolution process, is properly
secara baik termasuk proses penyelesaiannya. recorded.
PT BANK OKE INDONESIA Tbk 285
Page 288
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Permodalan dan
Manajemen Risiko
Disclosure of Capital and Risk Management
Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual
Disclosure of Net Receivables by Region - Bank Only
31-Dec-23
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
Kategori Portofolio
No.
Portfolio Category Sulawesi dan
Jawa sekitarnya
Kalimantan Sumatera Total
Java Sulawesi and
surroundings
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan kepada Pemerintah 1.972.426 1.972.426
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor Publik - -
Receivables on Public Sector Entities
3 Tagihan kepada Bank Pembangunan - -
Multilateral dan Lembaga Internasional
Receivables on Multilateral Development
Banks and International Institutions
4 Tagihan kepada Bank 638.435 59.560 - 43.126 741.121
Receivables on Banks
5 Kredit Beragun Rumah Tinggal 30.513 - - - 30.513
Loans Secured by Residential Property
6 Kredit Beragun Properti Komersial 1.687 1.687
Loans Secured by Commercial Real Estate
7 Tagihan kepada Perusahaan Efek dan 1.705.522 - - - 1.705.522
Lembaga Jasa Keuangan Lainnya
Receivables from Securities Companies
and Other Financial Services Institutions
8 Kredit Pegawai/Pensiunan - - -
Employee/Retired Loans
9 Tagihan kepada Usaha Mikro, Usaha Kecil, 922.419 28.504 63.792 31.747 1.046.462
dan Portofolio Ritel
Receivables on Micro, Small Business, and
Retail Portfolio
10 Tagihan kepada Korporasi 5.648.777 604 120.005 468.773 6.238.159
Receivables on Corporate
11 Tagihan yang Telah Jatuh Tempo 185.791 5.015 - - 190.806
Past Due Receivables
12 Aset Lainnya | Other Assets 270.528 - - 2.225 272.753
TOTAL 11.376.098 93.683 183.797 545.871 12.199.449
286 Laporan Tahunan 2023 Annual Report
Page 289
(dalam jutaan Rupiah/in million Rupiah)
31-Dec-22
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
Sulawesi dan
Jawa sekitarnya
Kalimantan Sumatera Total
Java Sulawesi and
surroundings
(8) (9) (10) (11) (12)
1.519.967 1.519.967
- -
- -
507.008 17.598 - 54.645 579.251
63.149 - - - 63.149
- -
- - - -
- - - - -
739.800 10.314 26.309 11.855 788.278
6.557.635 5.186 32.991 137.815 6.733.627
161.562 - - - 161.562
305.005 - - 2.389 307.394
9.854.126 33.098 59.300 206.704 10.153.228
PT BANK OKE INDONESIA Tbk 287
Page 290
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Disclosure of Net Receivables by Contractual Maturity - Bank Only
31-Dec-23
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Invoice Based on Remaining Contract Term
Kategori Portofolio
No.
Portfolio Category > 1 tahun s.d. > 3 tahun Non
< 1 tahun 3 tahun s.d. 5 tahun > 5 tahun Kontraktual
Total
< 1 year > 1 years to > 3 years to 5 years Non-
3 years 5 years Contractual
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan kepada Pemerintah 1.972.426 - - - - 1.972.426
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor Publik - -
Receivables on Public Sector Entities
3 Tagihan kepada Bank Pembangunan - -
Multilateral dan Lembaga Internasional
Receivables on Multilateral Development
Banks and International Institutions
4 Tagihan kepada Bank 463.350 72.626 143.685 61.459 741.120
Receivables on Banks
5 Kredit Beragun Rumah Tinggal - - 29.513 30.513
Loans Secured by Residential Property 1.000
6 Kredit Beragun Properti Komersial - - - 1.687
Loans Secured by Commercial Real Estate 1.687
7 Kredit Pegawai/Pensiunan 65.000 379.289 1.224.202 37.032 1.705.523
Employee/Retired Loans
8 Tagihan kepada Usaha Mikro, Usaha Kecil - - - - -
dan Portofolio Ritel
Receivables on Micro, Small Business &
Retail Portfolio
9 Tagihan kepada Korporasi 426.387 198.914 275.314 145.849 1.046.464
Receivables on Corporate
10 Tagihan yang Telah Jatuh Tempo 522.055 2.092.472 564.571 3.059.059 6.238.157
Past Due Receivables
11 Aset Lainnya | Other Assets 79.539 31.772 10.831 68.664 190.806
12 Aset Lainnya | Other Assets 272.753 272.753
TOTAL 3.528.757 2.775.073 2.221.290 3.401.576 272.753 12.199.449
288 Laporan Tahunan 2023 Annual Report
Page 291
(dalam jutaan Rupiah/in million Rupiah)
31-Dec-22
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Invoice Based on Remaining Contract Term
> 1 tahun s.d. 3 > 3 tahun s.d. 5
Non Kontraktual
< 1 tahun tahun tahun > 5 tahun
Non- Total
< 1 year > 1 years to > 3 years to 5 years
Contractual
3 years 5 years
(9) (10) (11) (12) (13) (14)
612.485 221.307 21.507 664.668 - 1.519.967
- - - - - -
- - - - - -
398.443 120.654 60.154 - - 579.251
228 8.804 13.968 40.149 - 63.149
- - - - - -
- - - - -
- - - - - -
266.025 414.955 88.791 18.507 - 788.278
1.901.756 1.653.689 1.634.020 1.544.162 - 6.733.627
80.473 7.244 13.090 60.755 - 161.562
- - - - 307.394 307.394
3.259.410 2.426.653 1.831.530 2.328.241 307.394 10.153.228
PT BANK OKE INDONESIA Tbk 289
Page 292
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Net Receivables by Economic Sectors - Bank Only
Tagihan
kepada Bank
Pembangunan
Tagihan Multilateral
Tagihan
kepada dan Lembaga Kredit Beragun
Kepada Tagihan
Entitas Sektor Internasional Rumah Tinggal
Sektor Ekonomi Pemerintah kepada Bank
No. Publik Receivables on Loans Secured
Economy Sector Receivables Receivables on
Receivables on Multilateral by Residential
on Banks
Public Sector Development Property
Sovereigns
Entities Banks
and
International
Institutions
(1) (2) (3) (4) (5) (6) (7)
31-Dec-23
1 Rumah Tangga | Household - - - - 30.514
2 Pertanian, Kehutanan, dan - - - - -
Perikanan
Agriculture, Forestry, and Fishing
3 Pertambangan dan Penggalian - - - - -
Mining and Quarrying
4 Industri Pengolahan - - - - -
Processing Industry
5 Pengadaan Listrik, Gas, Uap/Air - - - - -
Panas dan Udara Dingin
Procurement of Electricity, Gas,
Steam/Hot Water and Cold Air"
6 Konstruksi | Supervision - - - - -
7 Perdagangan Besar dan Eceran; - - - - -
Reparasi dan Perawatan Mobil dan
Sepeda Motor
Retail and Trade; Repair and
Maintenance of Cars and
Motorcycle
8 Pengangkutan dan Pergudangan - - - - -
Transportation and Warehousing
9 Penyediaan Akomodasi dan - - - - -
Penyediaan Makan Minum
Provision of Accommodation, Food,
and Beverages
10 Informasi dan Komunikasi - - - -
Information and Communication
11 Aktivitas Keuangan dan Asuransi 1.972.426 - - 741.121 -
Financial and Insurance Activities
12 Real Estat | Real Estate - - - - -
13 Aktivitas Profesional, Ilmiah, dan - - - - -
Teknis
Professional, Scientific, and
Technical Activities
14 Aktivitas Penyewaan dan Sewa - - - - -
Guna Usaha Tanpa Hak Opsi,
Ketenagakerjaan, Agen Perjalanan,
dan Penunjang Usaha Lainnya
Rights, Employment, Travel
Agencies, and Other Business
Support
15 Pendidikan | Education Services - - - - -
16 Aktivitas Kesehatan Manusia dan - - - - -
Aktivitas Sosial
Public Health Activities and Social
Activities
290 Laporan Tahunan 2023 Annual Report
Page 293
Tagihan
kepada
Perusahaan
Tagihan kepada
Efek dan
Kredit Beragun Usaha Mikro,
Lembaga Jasa Kredit Tagihan yang
Properti Usaha Kecil dan Tagihan kepada
Keuangan Pegawai/ Telah Jatuh
Komersial Portofolio Ritel Korporasi Aset Lainnya
Lainnya Pensiunan Tempo
Loans Secured Receivables on Receivables on Other Assets
Receivables Employee/ Past Due
by Commercial Micro, Small Corporate
from Securities Retired Loans Receivables
Real Estate Business &
Companies and
Retail Portfolio
Other Financial
Services
Institutions
(8) (9) (10) (11) (12) (13)
1.686 - - 1.008.378 23.909 6.793 -
- - - 319 24.445 - -
- - - - 52.375 - -
- - - 5.358 1.629.526 41.509 -
- - - - 604 - -
- - - - 361.589 - -
- - - 31.296 917.353 42.642 -
- - - - 79.756 11.167 -
- - - 298 1.008.520 9.213 -
- - - - 41.161 61.157 -
- 1.705.522 - - 17.492 - -
- - - - 793.452 6.571 -
- - - - 257.134 - -
- - - - 299.266 743 -
- - - - 18.599 - -
- - - 313 263.262 - -
PT BANK OKE INDONESIA Tbk 291
Page 294
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Net Receivables by Economic Sectors - Bank Only
Tagihan
kepada Bank
Pembangunan
Tagihan Multilateral
Tagihan
kepada dan Lembaga Kredit Beragun
Kepada Tagihan
Entitas Sektor Internasional Rumah Tinggal
Sektor Ekonomi Pemerintah kepada Bank
No. Publik Receivables on Loans Secured
Economy Sector Receivables Receivables on
Receivables on Multilateral by Residential
on Banks
Public Sector Development Property
Sovereigns
Entities Banks
and
International
Institutions
(1) (2) (3) (4) (5) (6) (7)
17 Kesenian, Hiburan, dan Rekreasi - - - - -
Arts, Entertainment, and Recreation
18 Budidaya Ikan Air Tawar
Freshwater Fish Cultivation
19 Perkebunan Tanaman Rempah-
Rempah, Aromatik/Penyegar,
Narkotik, dan Obat
Plantation of Spices, Aromatics/
Fresheners, Narcotics, and
Medicinal Plants
20 Aktivitas Jasa Lainnya - - - - -
Other Service Activities
TOTAL 1.972.426 - - 741.121 30.514
31-Dec-22
1 Aktivitas Jasa Lainnya
Other Service Activities
2 Aktivitas Kesehatan Manusia dan 17.851
Aktivitas Sosial
Public Health Activities and Social
Activities
3 Aktivitas Keuangan dan Asuransi 1.519.967 579.251
Financial and Insurance Activities
4 Aktivitas Penyewaan dan Sewa
Guna Usaha Tanpa Hak Opsi,
Ketenagakerjaan, Agen Perjalanan,
dan Penunjang Usaha Lainnya
Rights, Employment, Travel
Agencies, and Other Business
Support
5 Aktivitas Profesional, Ilmiah, dan
Teknis
Professional, Scientific, and
Technical Activities
6 Pertanian, Kehutanan, dan
Perikanan
Agriculture, Forestry, and Fishing
7 Industri Pengolahan
Processing Industry
8 Informasi dan Komunikasi
Information and Communication
9 Kesenian, Hiburan, dan Rekreasi
Arts, Entertainment, and Recreation
10 Konstruksi | Supervision
11 Pertanian, Kehutanan, dan
Perikanan
Agriculture, Forestry, and Fishing
12 Pendidikan | Education Services
292 Laporan Tahunan 2023 Annual Report
Page 295
Tagihan
kepada
Perusahaan
Tagihan kepada
Efek dan
Kredit Beragun Usaha Mikro,
Lembaga Jasa Kredit Tagihan yang
Properti Usaha Kecil dan Tagihan kepada
Keuangan Pegawai/ Telah Jatuh
Komersial Portofolio Ritel Korporasi Aset Lainnya
Lainnya Pensiunan Tempo
Loans Secured Receivables on Receivables on Other Assets
Receivables Employee/ Past Due
by Commercial Micro, Small Corporate
from Securities Retired Loans Receivables
Real Estate Business &
Companies and
Retail Portfolio
Other Financial
Services
Institutions
(8) (9) (10) (11) (12) (13)
- - - - 64.155 - -
- - - 501 385.561 11.010 272.753
1.686 1.705.522 - 1.046.463 6.238.159 190.805 272.753
307.394
410 314.405
1.682.117
373 6.458
4.121 1.410.985 32.606
82 426.513 11.944
273.412 22.957
18.807
PT BANK OKE INDONESIA Tbk 293
Page 296
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Net Receivables by Economic Sectors - Bank Only
Tagihan
kepada Bank
Pembangunan
Tagihan Multilateral
Tagihan
kepada dan Lembaga Kredit Beragun
Kepada Tagihan
Entitas Sektor Internasional Rumah Tinggal
Sektor Ekonomi Pemerintah kepada Bank
No. Publik Receivables on Loans Secured
Economy Sector Receivables Receivables on
Receivables on Multilateral by Residential
on Banks
Public Sector Development Property
Sovereigns
Entities Banks
and
International
Institutions
(1) (2) (3) (4) (5) (6) (7)
13 Pengadaan Listrik, Gas, Uap/Air
Panas dan Udara Dingin
Procurement of Electricity, Gas,
Steam/Hot Water and Cold Air
14 Pengangkutan dan Pergudangan
Transportation and Warehousing
15 Penyediaan Akomodasi dan
Penyediaan Makan Minum
Provision of Accommodation, Food,
and Beverages
16 Perdagangan Besar dan Eceran; 3.187
Reparasi dan Perawatan Mobil dan
Sepeda Motor
Retail and Trade; Repair and
Maintenance of Cars and
Motorcycle
17 Perkebunan Tanaman Rempah-
Rempah, Aromatik/Penyegar,
Narkotik, dan Obat
Plantation of Spices, Aromatics/
Fresheners, Narcotics, and
Medicinal Plants
18 Pertambangan dan Penggalian
Mining and Quarrying
19 Real Estat | Real Estate
20 Rumah Tangga | Household 42.111
TOTAL 1.519.967 - - 579.251 63.149
294 Laporan Tahunan 2023 Annual Report
Page 297
Tagihan
kepada
Perusahaan
Tagihan kepada
Efek dan
Kredit Beragun Usaha Mikro,
Lembaga Jasa Kredit Tagihan yang
Properti Usaha Kecil dan Tagihan kepada
Keuangan Pegawai/ Telah Jatuh
Komersial Portofolio Ritel Korporasi Aset Lainnya
Lainnya Pensiunan Tempo
Loans Secured Receivables on Receivables on Other Assets
Receivables Employee/ Past Due
by Commercial Micro, Small Corporate
from Securities Retired Loans Receivables
Real Estate Business &
Companies and
Retail Portfolio
Other Financial
Services
Institutions
(8) (9) (10) (11) (12) (13)
115.561 12.043
446 462.943
31.199 849.560 53.246
78.431 17.118
1.074.910 4.784
751.647 19.525 6.864
- - - 788.278 6.733.627 161.562 307.394
PT BANK OKE INDONESIA Tbk 295
Page 298
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
Disclosure of Receivables and Provisioning by Region - Bank Only
31-Dec-23
Wilayah | Region
Keterangan
No. Sulawesi dan
Description
Jawa sekitarnya
Kalimantan Sumatera Total
Java Sulawesi and
Surroundings
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan 11.505.012 95.924 185.486 546.772 12.333.194
Gross Financial Assets
2 Tagihan yang mengalami peningkatan -
dan pemburukan risiko kredit
(Stage 2 dan Stage 3)
Impaired Receivables
(Stage 2 and Stage 3)
a. Belum jatuh tempo 332.675 1.291 2.773 5.765 342.504
Non Past Due
b. Telah jatuh tempo 306.448 7.144 1.460 362 315.414
Past Due
3 CKPN - Stage 1 77.207 836 2.002 3.531 83.576
4 CKPN - Stage 2 7.717 111 227 1.081 9.136
5 CKPN - Stage 3 120.657 2.130 1.460 362 124.609
6 Tagihan yang dihapus buku 317.351 - - 5.688 323.039
Written-off Receivables
TOTAL 12.667.067 107.436 193.408 563.561 13.531.472
296 Laporan Tahunan 2023 Annual Report
Page 299
(dalam jutaan rupiah | in milllion Rupiah)
31-Dec-22
Wilayah | Region
Sulawesi dan
Jawa sekitarnya
Kalimantan Sumatera Total
Java Sulawesi and
Surroundings
(8) (9) (10) (11) (12)
9.963.963 34.963 60.320 210.292 10.269.538
-
288.199 6.732 691 203 295.825
214.926 36 153 19 215.134
57.610 317 834 3.582 62.343
17.086 1.514 43 6 18.649
53.424 34 19 - 53.477
181.385 - - 25.171 206.556
10.776.593 43.596 62.060 239.273 11.121.522
PT BANK OKE INDONESIA Tbk 297
Page 300
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Receivables and Provisioning Based on Economic Sectors - Bank Only
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Sektor Ekonomi Tagihan
No.
Economy Sector Receivables Belum Jatuh Tempo Telah jatuh tempo
Non Past Due Past Due
(1) (2) (3) (4) (5)
31/12/23
1 Rumah Tangga | Household 1.125.284 100.840 53.410
2 Pertanian, Kehutanan, dan Perikanan 24.763 - -
Agriculture, Forestry, and Fishing
3 Pertambangan dan Penggalian 52.375 - -
Mining and Quarrying
4 Industri Pengolahan 1.686.464 25.158 51.581
Processing Industry
5 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara 604 - -
Dingin
Procurement of Electricity, Gas, Steam/Hot Water
and Cold Air
6 Konstruksi | Supervision 361.699 27.092 -
7 Perdagangan Besar dan Eceran; Reparasi dan 1.017.890 119.817 69.113
Perawatan Mobil dan Sepeda Motor
Retail and Trade; Repair and Maintenance of Cars
and Motorcycle"
8 Pengangkutan dan Pergudangan 91.234 - 11.478
Transportation and Warehousing
9 Penyediaan Akomodasi dan Penyediaan Makan dan 1.024.533 7.826 14.716
Minum
Provision of Accommodation, Food, and
Beverages
10 Informasi dan Komunikasi 133.377 6.299 92.157
Information and Communication
11 Aktivitas Keuangan dan Asuransi 4.436.560 - -
Financial and Insurance Activities
12 Real Estat | Real Estate 802.860 54.095 8.952
13 Aktivitas Profesional, Ilmiah, dan Teknis 257.134 - -
Professional, Scientific, and Technical
Activities
14 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa 300.028 - 762
Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan
Penunjang Usaha Lainnya
Rights, Employment, Travel Agencies, and
Other Business Support
15 Pendidikan | Education Services 18.599 - -
16 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 263.574 - -
Public Health Activities and Social Activities
17 Kesenian, Hiburan, dan Rekreasi 64.155 - -
Arts, Entertainment, and Recreation
18 Aktivitas Jasa Lainnya 672.061 1.377 13.245
Other Service Activities
Total 12.333.194 342.504 315.414
298 Laporan Tahunan 2023 Annual Report
Page 301
(dalam jutaan rupiah | in milllion Rupiah)
Cadangan kerugian Cadangan kerugian Cadangan kerugian
penurunan nilai (CKPN) penurunan nilai (CKPN) - penurunan nilai (CKPN) -
Tagihan yang dihapus buku
-Stage 1 Stage 2 Stage 3
Written-off Claims
Allowance for Impairment Allowance for Impairment Allowance for Impairment
Losses - Stage 1 Losses - Stage 2 Losses - Stage 3
(6) (7) (8)
31.014 7.384 46.617 245.343
- - -
32 - -
1.748 - 10.071
- - -
5.324 110 -
16.956 127 26.471
77 - 311
1.007 1.000 5.503
14 59 31.000
19.187 - -
282 456 2.381
1 - -
237 - 18
20 - -
6.626 - -
- - -
1.051 - 2.237 77.696
83.576 9.136 124.609 323.039
PT BANK OKE INDONESIA Tbk 299
Page 302
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Receivables and Provisioning Based on Economic Sectors - Bank Only
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Sektor Ekonomi Tagihan
No.
Economy Sector Receivables Belum Jatuh Tempo Telah jatuh tempo
Non Past Due Past Due
(1) (2) (3) (4) (5)
31/12/22
1 Aktivitas Jasa Lainnya 307.394 - -
Other Service Activities
2 Aktivitas Kesehatan Manusia dan Aktivitas Sosial 336.808 19.147 -
Public Health Activities and Social Activities
3 Aktivitas Keuangan dan Asuransi 3.571.088 - -
Financial and Insurance Activities
4 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa
Hak Opsi, Ketenagakerjaan, Agen Perjalanan, dan
Penunjang Usaha Lainnya
Rights, Employment, Travel Agencies, and Other
Business Support
5 Aktivitas Profesional, Ilmiah, dan Teknis
Professional, Scientific, and Technical
Activities
6 Pertanian, Kehutanan, dan Perikanan 6.831 - -
Agriculture, Forestry, and Fishing
7 Industri Pengolahan | Processing Industry 1.466.636 16.135 46.976
8 Informasi dan Komunikasi
Information and Communication
9 Kesenian, Hiburan, dan Rekreasi 440.236 - 13.246
Arts, Entertainment, and Recreation
10 Konstruksi | Supervision 308.940 27.350 30.150
11 Penangkapan Crustacea Di Laut
Crustacean Catch at Sea
12 Penangkapan Ikan Di Perairan Umum
Public Waters Fishing
13 Pendidikan | Education Services 18.822 - -
14 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara
Dingin
Procurement of Electricity, Gas, Steam/Hot Water
and Cold Air
300 Laporan Tahunan 2023 Annual Report
Page 303
(dalam jutaan rupiah | in milllion Rupiah)
Cadangan kerugian Cadangan kerugian Cadangan kerugian
penurunan nilai (CKPN) penurunan nilai (CKPN) - penurunan nilai (CKPN) -
Tagihan yang dihapus buku
-Stage 1 Stage 2 Stage 3
Written-off Claims
Allowance for Impairment Allowance for Impairment Allowance for Impairment
Losses - Stage 1 Losses - Stage 2 Losses - Stage 3
(6) (7) (8)
- - - -
1.798 3.875 - -
1.356 1.986 16.226 -
-
-
13.188 -
5.378 2.756 14.370 -
119.801
- - 7.193
22.426
266
PT BANK OKE INDONESIA Tbk 301
Page 304
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Disclosure of Receivables and Provisioning Based on Economic Sectors - Bank Only
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
Sektor Ekonomi Tagihan
No.
Economy Sector Receivables Belum Jatuh Tempo Telah jatuh tempo
Non Past Due Past Due
(1) (2) (3) (4) (5)
15 Pengangkutan dan Pergudangan 355.170 1.400 12.043
Transportation and Warehousing
16 Penyediaan Akomodasi dan Penyediaan Makan 464.968 12.247 -
Minum
Provision of Accommodation, Food, and
Beverages
17 Perdagangan Besar dan Eceran; Reparasi dan 968.076 64.487 69.471
Perawatan Mobil dan Sepeda Motor
Retail and Trade; Repair and Maintenance of Cars
and Motorcycle
18 Perkebunan Tanaman Rempah-Rempah, Aromatik/
Penyegar, Narkotik dan Obat
Plantation of Spices, Aromatics/Fresheners,
Narcotics and Medicinal Plants
19 Pertambangan dan Penggalian 100.488 41.024 17.118
Mining and Quarrying
20 Real Estat | Real Estate 1.082.218 48.743 4.967
21 Rumah Tangga | Household 860.022 65.292 21.163
Total 10.287.697 295.825 215.134
Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual
Disclosure of Movements of Allowance for Impairment Losses - Bank Only
Keterangan 31-Dec-23
No.
Description Stage 1 Stage 2 Stage 3
(1) (2) (3) (4) (5)
1 Saldo awal CKPN
Beginning Balance - Allowance for Impairment Losses 62.343 18.650 53.397
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net) 21.234 (9.513) 71.210
Additional/Reversal Allowance for Impairment Losses during the
Year (Net)
2.a Pembentukan CKPN pada periode berjalan 21.234 (9.513) 71.210
Additional Allowance for Impairment Losses during the Year
2.b Pemulihan CKPN pada periode berjalan - - -
Reversal Allowance for Impairment Losses during the Year
3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan - - -
pada periode berjalan
Allowance for Impairment Losses Used for Written-off Receivables
during the Year
4 Pembentukan (pemulihan) lainnya pada periode berjalan - - -
Other Additional (Reversal) of Allowance during the Year
Saldo akhir CKPN / Ending Balance - Allowance for Impairment Loss 83.577 9.137 124.607
302 Laporan Tahunan 2023 Annual Report
Page 305
(dalam jutaan rupiah | in milllion Rupiah)
Cadangan kerugian Cadangan kerugian Cadangan kerugian
penurunan nilai (CKPN) penurunan nilai (CKPN) - penurunan nilai (CKPN) -
Tagihan yang dihapus buku
-Stage 1 Stage 2 Stage 3
Written-off Claims
Allowance for Impairment Allowance for Impairment Allowance for Impairment
Losses - Stage 1 Losses - Stage 2 Losses - Stage 3
(6) (7) (8)
- - 1.302
12.675 3.246 14.203
4.152 223 -
16 4.915
693
395 1.648 183 86.755
62.343 18.649 53.477 206.556
(dalam jutaan rupiah | in milllion Rupiah)
31-Dec-22
Stage 1 Stage 2 Stage 3
(6) (8) (9)
20.052 17.295 49.405
42.291 1.355 8.266
42.291 1.355 8.266
- - -
- - 4.274
- - -
62.343 18.650 53.397
PT BANK OKE INDONESIA Tbk 303
Page 306
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only
31/12/23
Tagihan Bersih | Net Receivable
Lembaga Pemeringkat
Rating Company Peringkat Jangka panjang
Long-term Ratings
Standard and Poor's AAA AA+ - AA- A+ - A- BBB+ - BBB-
Kategori Portofolio Fitch Ratings AAA AA+ - AA- A+ - A- BBB+ - BBB-
Portofolio Category
Moody's Aaa Aa1 - Aa3 A1 - A3 Baa1 - Baa3
PT. Fitch Ratings AA+(idn) - A+(idn) s.d. BBB+(idn) -
AAA (idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
PT Pemeringkat Efek idAA+ - id BBB+ - id
idAAA idA+ - id A-
Indonesia idAA- BBB-
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan kepada Pemerintah
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor
Publik Receivables on Public Sector
Entities
3 Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
Receivables on Multilateral Development
Banks and International Institutions
4 Tagihan kepada Bank 2.723 350.555
Receivables on Banks
5 Kredit Beragun Rumah Tinggal
Loans Secured by Residential Property
6 Kredit Beragun Properti Komersial
Loans Secured by Commercial Real Estate
7 Tagihan kepada Perusahaan Efek dan 390.023 365.783 647.173
Lembaga Jasa Keuangan Lainnya
Receivables from Securities Companies
and Other Financial Services Institutions
8 Kredit Pegawai/Pensiunan
Employee/Retired Loans
9 Tagihan kepada Usaha Mikro, Usaha Kecil,
dan Portofolio Ritel
Receivables on Micro, Small Business &
Retail Portfolio
10 Tagihan kepada Korporasi
Receivables on Corporate
11 Tagihan yang Telah Jatuh Tempo
Past Due Receivables
12 Aset Lainnya | Other Assets
TOTAL
304 Laporan Tahunan 2023 Annual Report
Page 307
(dalam jutaan rupiah | in milllion Rupiah)
31/12/23
Tagihan Bersih | Net Receivable
Peringkat Jangka panjang Peringkat Jangka Pendek
Long-term Ratings Short-term Ratings
Kurang dari
Kurang dari
BB+ - BB- B+ - B- A-1 A-2 A-3 A-3 / Below
B- / Below B-
A-3
Kurang dari Kurang dari
BB+ - BB- B+ - B- F1+ - F1 F2 F3
B- / Below B- F3 / Below F3
Tanpa
Kurang dari Peringkat Total
Kurang dari
Ba1 - Ba3 B1 - B3 P-1 P-2 P-3 P-3 / Below Unrated
B- / Below B3
P-3
Kurang dari Kurang dari
BB+(idn) - B+(idn) - F1+(idn) -
B- / Below F2(idn) F3(idn) F3(idn) /
BB-(idn) B-(idn) F1(idn)
B-(idn) Below F3(idn)
Kurang dari Kurang dari
id BB+ - id id B+ - id
B- / Below idA1 idA2 idA3 - id A4 idA4 / Below
BB- B-
B-(idn) idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
1.972.426 1.972.426
- -
- -
387.843 741.121
30.513 30.513
1.687 1.687
302.543 1.705.522
- -
1.046.462 1.046.462
6.238.159 6.238.159
190.806 190.806
272.753 272.753
10.443.192 12.199.449
PT BANK OKE INDONESIA Tbk 305
Page 308
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only
31/12/22
Tagihan Bersih | Net Receivable
Lembaga Pemeringkat
Rating Company Peringkat Jangka panjang
Long-term Ratings
Standard and Poor's AAA AA+ - AA- A+ - A- BBB+ - BBB-
Kategori Portofolio Fitch Ratings AAA AA+ - AA- A+ - A- BBB+ - BBB-
Portofolio Category
Moody's Aaa Aa1 - Aa3 A1 - A3 Baa1 - Baa3
PT. Fitch Ratings AA+(idn) - A+(idn) s.d. BBB+(idn) -
AAA (idn)
Indonesia AA-(idn) A-(idn) BBB-(idn)
PT Pemeringkat Efek idAA+ - id BBB+ - id
idAAA idA+ - id A-
Indonesia idAA- BBB-
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan kepada Pemerintah
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor
Publik Receivables on Public Sector
Entities
3 Tagihan kepada Bank Pembangunan
Multilateral dan Lembaga Internasional
Receivables on Multilateral Development
Banks and International Institutions
4 Tagihan Kepada Bank
Receivables on Banks
5 Kredit Beragun Rumah Tinggal
Loans Secured by Residential Property
6 Kredit Beragun Properti Komersial
Loans Secured by Commercial Real Estate
7 Tagihan kepada Perusahaan Efek dan
Lembaga Jasa Keuangan Lainnya
Receivables from Securities Companies
and Other Financial Services Institutions
8 Kredit Pegawai/Pensiunan
Employee/Retired Loans
9 Tagihan Kepada Usaha Mikro, Usaha Kecil
dan Portofolio Ritel
Receivables on Micro, Small Business &
Retail Portfolio
10 Tagihan kepada Korporasi 421.989 831.134 281.149
Receivables on Corporate
11 Tagihan yang Telah Jatuh Tempo
Past Due Receivables
12 Aset Lainnya | Other Assets
TOTAL
306 Laporan Tahunan 2023 Annual Report
Page 309
(dalam jutaan rupiah/ in milllion Rupiah)
31/12/22
Tagihan Bersih | Net Receivable
Peringkat Jangka panjang Peringkat Jangka Pendek
Long-term Ratings Short-term Ratings
Kurang dari
Kurang dari
BB+ - BB- B+ - B- A-1 A-2 A-3 A-3 / Below
B- / Below B-
A-3
Kurang dari Kurang dari
BB+ - BB- B+ - B- F1+ - F1 F2 F3
B- / Below B- F3 / Below F3
Tanpa
Kurang dari Peringkat Total
Kurang dari
Ba1 - Ba3 B1 - B3 P-1 P-2 P-3 P-3 / Below Unrated
B- / Below B3
P-3
Kurang dari Kurang dari
BB+(idn) - B+(idn) - F1+(idn) -
B- / Below F2(idn) F3(idn) F3(idn) /
BB-(idn) B-(idn) F1(idn)
B-(idn) Below F3(idn)
Kurang dari Kurang dari
id BB+ - id id B+ - id
B- / Below idA1 idA2 idA3 - id A4 idA4 / Below
BB- B-
B-(idn) idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
1.519.967 1.519.967
- -
- -
579.251 579.251
63.149 63.149
- -
-
- -
788.278 788.278
5.199.355 6.733.627
161.562 161.562
307.394 307.394
8.618.956 10.153.228
PT BANK OKE INDONESIA Tbk 307
Page 310
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit -
Bank secara Individual
Disclosure of Net Receivables by Risk Weight After Taking into Account the Impact of Credit Risk Mitigation - Bank Only
31/12/23
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portofolio Category Net Receivables After Taking into Account the Impact of Credit Risk Mitigation
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
A Eksposur Laporan Posisi Keuangan | Balance Sheet Exposures
1 Tagihan kepada Pemerintah - - - - - - - - -
1.972.426
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor - - - - - - - - - -
Publik Receivables on Public
Sector Entities
3 Tagihan kepada Bank - - - - - - - -
- -
Pembangunan Multilateral dan
Lembaga Internasional
Receivables on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank 41.246 - 453.335 - 191.180 - - - - -
Receivables on Banks
5 Kredit Beragun Rumah Tinggal - - 117 30.397 - - - - - -
Loans Secured by Residential
Property
6 Kredit Beragun Properti - - - - 1.686
- - - - - -
Komersial
Loans Secured by Commercial
Real Estate
7 Tagihan kepada Perusahaan - - -
- 755.807 647.173 237.085 - - -
Efek dan Lembaga Jasa
Keuangan Lainnya
Receivables from Securities
Companies and Other Financial
Services Institutions
8 Kredit Pegawai/Pensiunan - - -
- - - - - - -
Employee/Retired Loans
9 Tagihan kepada Usaha Mikro, 552 - - - - - - 1.040.937 - -
Usaha Kecil dan Portofolio Ritel
Receivables on Micro, Small
Business & Retail Portfolio
10 Tagihan kepada Korporasi 349.016 - - - - - - - 4.950.061 -
Receivables on Corporate
11 Tagihan yang Telah Jatuh - - - - - - 445 - 153.635 36.725
Tempo
Past Due Receivables
12 Aset Lainnya | Other Assets 17.164 - - - - - - - 189.873 65.716
Total Eksposur Laporan Posisi 2.380.404 - 1.209.259 677.570 428.265 - 445 1.040.937 1.686 5.293.569 102.441 -
Keuangan
Total Exposure - Balance Sheet
308 Laporan Tahunan 2023 Annual Report
Page 311
31/12/22
Beban Beban
ATMR Modal / Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal /
RWA Capital Net Receivables After Taking into Account the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
- - 1.519.967 - - - - - - - - - -
- - - - - - - - - - - - -
- - - - - - - - - - - - -
167.139 15.043 - 355.837 - - - 180.036 - - - 161.185 14.507
9.143 823 - 37.961 25.187 - - - - - - 16.652 1.499
1.517 137 - - - - - - - - - - -
440.147 39.613
- - - - - - - - - - - - -
780.703 70.263 - - - - - - 787.278 - - 590.459 53.141
4.950.061 445.505 - 1.036.636 - - - 281.149 - 5.113.108 5.461.010 491.491
208.945 18.805 - - - - - - - 6.777 154.785 238.955 21.506
288.447 25.960 26.413 - - - - - - 204.576 76.405 319.184 28.727
6.846.102 616.149 1.546.380 1.430.434 25.187 - - 461.185 787.278 5.324.461 231.190 - 6.787.445 610.871
PT BANK OKE INDONESIA Tbk 309
Page 312
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit -
Bank secara Individual
Disclosure of Net Receivables by Risk Weight After Taking into Account the Impact of Credit Risk Mitigation - Bank Only
31/12/23
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portofolio Category Net Receivables After Taking into Account the Impact of Credit Risk Mitigation
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Eksposur Kewajiban Komitmen Kontinjensi pada Transaksi Rekening Administratif
B
Contingent Commitment Liability Exposure on Administrative Account Transactions
1 Tagihan kepada Pemerintah - - - - - - - - - - -
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor - - - - - - - - - - -
Publik Receivables on Public
Sector Entities
3 Tagihan kepada Bank - - - - - - - - - - -
Pembangunan Multilateral dan
Lembaga Internasional
Receivables on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank - - - - 5.536 - - - - - -
Receivables on Banks
5 Kredit Beragun Rumah Tinggal - - - -
- - - - - - -
Loans Secured by Residential
Property
6 Kredit Beragun Properti - - - -
- - - - - - -
Komersial
Loans Secured by Commercial
Real Estate
7 Tagihan kepada Perusahaan - - - - - - - - - - -
Efek dan Lembaga Jasa
Keuangan Lainnya
Receivables from Securities
Companies and Other Financial
Services Institutions
8 Kredit Pegawai/Pensiunan - - - - 6.546 - - - - - -
Employee/Retired Loans
9 Tagihan kepada Usaha Mikro, - - - - - - - 731 - - -
Usaha Kecil, dan Portofolio Ritel
Receivables on Micro, Small
Business & Retail Portfolio
10 Tagihan kepada Korporasi - - - - - - - - - 100.823 -
Receivables on Corporate
11 Tagihan yang Telah Jatuh - - - - - - - - - - -
Tempo
Past Due Receivables
Total Eksposur Transaksi - - - - 12.082 - - 731 - 100.823 - -
Rekening Administratif
Total Exposures -
Administrative Account
Transactions (TRA)
310 Laporan Tahunan 2023 Annual Report
Page 313
31/12/22
Beban Beban
ATMR Modal / Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal /
RWA Capital Net Receivables After Taking into Account the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
- - -
- - -
- - -
2.214 199 -
- - -
- - -
-
2.618 236 -
548 49 -
100.823 9.074 -
- -
-
106.203 9.558 -
PT BANK OKE INDONESIA Tbk 311
Page 314
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit -
Bank secara Individual
Disclosure of Net Receivables by Risk Weight After Taking into Account the Impact of Credit Risk Mitigation - Bank Only
31/12/23
Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portofolio Category Net Receivables After Taking into Account the Impact of Credit Risk Mitigation
0% 10% 20% 30% 40% 45% 50% 75% 90% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
C Eksposur Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) | Counterparty Credit Risk Exposures
1 Tagihan kepada Pemerintah - - -
- - - - - - -
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor - - -
- - - - - - -
Publik Receivables on Public
Sector Entities
3 Tagihan kepada Bank - - - - - - - - - -
Pembangunan Multilateral dan
Lembaga Internasional
Receivables on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank - - - - - - - - - -
Receivables on Banks
5 Tagihan kepada Usaha Mikro, - - - - -
- - - - -
Usaha Kecil, dan Portofolio Ritel
Receivables on Micro, Small
Business & Retail Portfolio
6 Tagihan kepada Korporasi - - - - - - - - - -
Receivables on Corporate
7 Tagihan kepada Perusahaan - - - - - -
- - - -
Efek dan Lembaga Jasa
Keuangan Lainnya
Receivables from Securities
Companies and Other Financial
Services Institutions
Total Eksposur Risiko Kredit - - - - - - - - - - -
akibat Kegagalan Pihak Lawan
(Counterparty Credit Risk)
Total Exposures Counterparty
Credit Risk
312 Laporan Tahunan 2023 Annual Report
Page 315
31/12/22
Beban Beban
ATMR Modal / Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal /
RWA Capital Net Receivables After Taking into Account the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
- - -
- - -
- - -
- - -
- - -
- - -
-
- - -
PT BANK OKE INDONESIA Tbk 313
Page 316
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only
31/12/23
Bagian Yang Dijamin Dengan | Secured Portion with
Kategori Portofolio Tagihan Bagian Yang
No. Bersih Asuransi Tidak Dijamin
Portofolio Category
Net Agunan Garansi Kredit Lainnya Unsecured
Receivables Collateral Guarantee Credit Others Portion
Insurance
(1) (2) (3) (4) (5) (6) (7) (8) = (3)-
[(4)+(5)+(6)+(7)]
A Eksposur Laporan Posisi Keuangan | Balance Sheet Exposures
1 Tagihan kepada Pemerintah 1.972.426 - - - 1.972.426
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor - - - - -
Publik Receivables on Public Sector
Entities
3 Tagihan kepada Bank Pembangunan - - - - -
Multilateral dan Lembaga
Internasional
Receivables on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank 685.761 41.246 - - 644.515
Receivables on Banks
5 Kredit Beragun Rumah Tinggal 30.514 - - - 30.514
Loans Secured by Residential
Property
6 Kredit Beragun Properti Komersial 1.686 - - - 1.686
Loans Secured by Commercial Real
Estate
7 Tagihan kepada Perusahaan Efek 1.640.065 - 1.640.065
dan Lembaga Jasa Keuangan
Lainnya
Receivables from Securities
Companies and Other Financial
Services Institutions
8 Kredit Pegawai/Pensiunan - - - - -
Employee/Retired Loans
9 Tagihan kepada Usaha Mikro, Usaha 1.041.489 552 - - 1.040.937
Kecil, dan Portofolio Ritel
Receivables on Micro, Small
Business, and Retail Portfolio
10 Tagihan kepada Korporasi 5.299.077 349.016 - - 4.950.061
Receivables on Corporate
11 Tagihan yang Telah Jatuh Tempo 190.805 - - - 190.805
Past Due Receivables
12 Aset Lainnya | Other Assets 272.753 - - - 272.753
Total Eksposur Laporan Posisi 11.134.576 390.814 - - - 10.743.762
Keuangan
Total Exposure - Balance Sheet
B Eksposur Transaksi Rekening Adminsitratif | Administrative Account Transaction Exposure
1 Tagihan kepada Pemerintah - - - - -
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor - - - - -
Publik Receivables on Public Sector
Entities
3 Tagihan kepada Bank Pembangunan - - - - -
Multilateral dan Lembaga
Internasional
Receivables on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank 5.536 - - - 5.536
Receivables on Banks
314 Laporan Tahunan 2023 Annual Report
Page 317
(dalam jutaan rupiah/ in milllion Rupiah)
31/12/22
Bagian Yang Dijamin Dengan | Secured Portion with
Tagihan Bersih Bagian Yang Tidak
Net Agunan Garansi Asuransi Kredit Lainnya Dijamin
Receivables Collateral Guarantee Credit Insurance Others Unsecured Portion
(9) (10) (11) (12) (13) (14) = (9)-
[(10)+(11)+(12)+(13)]
1.519.967 - - - 1.519.967
- - - - -
- - - - -
579.251 43.378 - - 535.873
63.149 - - - 63.149
- - - - -
- - - - -
788.278 1.000 - - 787.278
6.733.627 302.734 - - 6.430.893
161.562 - - - 161.562
307.394 - - - 307.394
10.153.228 347.112 - - - 9.806.116
- - - - -
- - - - -
- - - - -
- - - - -
PT BANK OKE INDONESIA Tbk 315
Page 318
Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only
31/12/23
Bagian Yang Dijamin Dengan | Secured Portion with
Kategori Portofolio Tagihan Bagian Yang
No. Bersih Asuransi Tidak Dijamin
Portofolio Category
Net Agunan Garansi Kredit Lainnya Unsecured
Receivables Collateral Guarantee Credit Others Portion
Insurance
(1) (2) (3) (4) (5) (6) (7) (8) = (3)-
[(4)+(5)+(6)+(7)]
5 Kredit Beragun Rumah Tinggal - - - - -
Loans Secured by Residential
Property
6 Kredit Beragun Properti Komersial - - - - -
Loans Secured by Commercial Real
Estate
7 Tagihan kepada Perusahaan Efek 6.546 6.546
dan Lembaga Jasa Keuangan
Lainnya
Receivables from Securities
Companies and Other Financial
Services Institutions
8 Kredit Pegawai/Pensiunan - - - - -
Employee/Retired Loans
9 Tagihan kepada Usaha Mikro, Usaha 731 - - - 731
Kecil, dan Portofolio Ritel
Receivables on Micro, Small
Business, and Retail Portfolio
10 Tagihan kepada Korporasi 100.822 - - - 100.822
Receivables on Corporate
11 Tagihan yang Telah Jatuh Tempo - - -
Past Due Receivables - -
Total Eksposur Transaksi 113.634 - - - - 113.634
Rekening Administratif
Total Exposures - Administrative
Account Transactions (TRA)
C Eksposur Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) | Counterparty Credit Risk Exposures
1 Tagihan kepada Pemerintah - - - - -
Receivables on Sovereigns
2 Tagihan kepada Entitas Sektor - - -
Publik Receivables on Public Sector - -
Entities
3 Tagihan kepada Bank Pembangunan - - - - -
Multilateral dan Lembaga
Internasional
Receivables on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank - - - -
Receivables on Banks -
5 Kredit Beragun Rumah Tinggal - - -
Loans Secured by Residential - -
Property
6 Kredit Beragun Properti Komersial - - - - -
Loans Secured by Commercial Real
Estate
7 Tagihan kepada Perusahaan Efek
dan Lembaga Jasa Keuangan
Lainnya
Receivables from Securities
Companies and Other Financial
Services Institutions
Total Eksposur Risiko Kredit - - - - - -
akibat Kegagalan Pihak Lawan
(Counterparty Credit Risk)
Total Exposures - Counterparty
Credit Risk
TOTAL (A+B+C) 11.248.210 390.814 - - - 9.217.331
316 Laporan Tahunan 2023 Annual Report
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(dalam jutaan rupiah/ in milllion Rupiah)
31/12/22
Bagian Yang Dijamin Dengan | Secured Portion with
Tagihan Bersih Bagian Yang Tidak
Net Agunan Garansi Asuransi Kredit Lainnya Dijamin
Receivables Collateral Guarantee Credit Insurance Others Unsecured Portion
(9) (10) (11) (12) (13) (14) = (9)-
[(10)+(11)+(12)+(13)]
- - - - -
- - - - -
-
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
-
- - - - - -
10.153.228 347.112 - - - 9.806.116
PT BANK OKE INDONESIA Tbk 317
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Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Perhitungan ATMR Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank secara Konsolidasi
dengan Perusahaan Anak*
Disclosure of Credit Risk RWA Calculation Using Standardized Approach - Bank on a Consolidated Basis with Subsidiaries*
Eksposur Aset di Laporan Posisi Keuangan, kecuali Eksposur Sekuritisasi
Disclosure of Balance Sheets, except Securitization Exposure
31/12/23
ATMR
Kategori Portofolio Tagihan ATMR
No Sebelum
Portofolio Category Bersih Setelah MRK
MRK
Net RWA After
RWA Before
Receivables CRM
CRM
(1) (2) (3) (4) (5)
1. Tagihan kepada Pemerintah | Receivables on Sovereigns 1.972.426 - -
a. Tagihan Kepada Pemerintah Indonesia
Receivables on the Government of Indonesia 1.972.426 - -
b. Tagihan Kepada Pemerintah Negara Lain
Receivables on Governments of Other Countries - -
2. Tagihan kepada Entitas Sektor | Publik Receivables on Public Sector Entities - - -
3. Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional - - -
Receivables on Multilateral Development Banks and International Institutions
4. Tagihan kepada Bank | Receivables on Banks 685.761 183.637 167.139
a. Tagihan Jangka Pendek | Short Term Receivables 453.335 90.667 90.667
b. Tagihan Jangka Panjang | Long Term Receivables 232.426 92.970 76.472
5. Kredit Beragun Rumah Tinggal | Loans Secured by Residential Property 30.514 9.143 9.143
6. Kredit Beragun Properti Komersial | Loans Secured by Commercial Real Estate 1.686 1.517 1.517
7. Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya 1.640.065 440.147 440.147
Receivables from Securities Companies and Other Financial Services Institutions
8. Kredit Pegawai/Pensiunan | Employee/Retired Loans
9. Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 1.041.489 781.117 780.703
Receivables on Micro, Small Business, and Retail Portfolio
10. Tagihan kepada Korporasi | Receivables on Corporate 5.299.077 5.299.077 4.950.061
11. Tagihan yang Telah Jatuh Tempo | Past Due Receivables 190.805 208.945 208.945
a. Kredit Beragun Rumah Tinggal | Loans Secured by Residential Property 122.633 68.172 68.172
b. Selain Kredit Beragun Rumah Tinggal 68.172 140.773 140.773
Loans Not Secured by Residential Property
12 Aset Lainnya / Other Assets 272.753 - 288.447
a. Uang tunai, emas, dan commemorative coin 17.164
Cash, Gold, and Commemorative Coins
b. Penyertaan (selain yang menjadi faktor pengurang modal)
Investments (other than those reduced by capital)
1) Penyertaan modal sementara dalam rangka restrukturisasi kredit
Temporary Capital Investment in the Context of Credit Restructuring
2) Penyertaan kepada perusahaan keuangan yang tidak terdaftar di bursa
Investments in Financial Companies Not Listed on Exchanges
3) Penyertaan kepada perusahaan keuangan yang terdaftar di bursa
Investments in Exchange-Listed Financial Companies
c. Aset tetap dan inventaris neto 150.653 150.653
Fixed Assets and Inventory
d. Agunan Yang Diambil Alih (AYDA) 65.716 98.574
Foreclosed Collateral
e. Antar kantor neto - -
Inter-Office Net
f. Lainnya 39.220 39.220
Others
TOTAL 11.134.576 6.923.583 6.846.102
* OK Bank tidak memiliki perusahaan anak, sehingga data yang disajikan adalah data individual bank | * OK Bank does not have subsidiaries, so the data presented is individual ban
318 Laporan Tahunan 2023 Annual Report
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(dalam jutaan rupiah)
31/12/22
ATMR Sebelum MRK ATMR Setelah MRK
Tagihan Bersih | Net Receivables
RWA Before CRM RWA After CRM
(6) (7) (8)
1.519.967
1.519.967 - -
- - -
- - -
- - -
579.251 182.874 161.185
355.837 71.167 71.167
223.414 111.707 90.018
63.149 16.654 16.654
- - -
- - -
788.278 591.209 590.459
6.733.627 5.763.744 5.461.010
161.562 238.955 238.955
6.777 6.777 6.777
154.785 232.178 232.178
307.394 - 319.184
26.413 -
- -
- -
- -
- -
129.473 129.473
76.405 114.608
- -
75.103 75.103
10.153.228 6.793.435 6.787.445
nk data.
PT BANK OKE INDONESIA Tbk 319
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Page 323
Laporan Keberlanjutan Sustainability Report OK BANK bertekad untuk turut berpartisipasi mendukung pencapaian tujuan pembangunan skala global t dan mulai menyusun serta menerbitkan Laporan Keberlanjutan secara berkala dengan merujuk pada berbagai ketentuan yang terdapat dalam POJK 51/2017. OK BANK is determined to participate in supporting the achievement of global scale development goals and has begun to prepare and publish Sustainability Reports on a regular basis with reference to the various provisions contained in POJK 51/2017.
Page 324
Laporan Keberlanjutan
Sustainability Report
Ihktisar Kinerja Keberlanjutan
Sustainability Performance Highlights
KINERJA EKONOMI ECONOMIC PERFORMANCE
Kredit Diberikan (Rp Miliar) Pendapatan Bunga Bersih (Rp Miliar) Laba Bersih Tahun Berjalan (Rp Miliar)
Loans (Rp Billion) Net Interest Income (Rp Billion) Net Profit for the Year (Rp Billion)
8.528 603 28,65
8.064
467
5.519
17,46
321
13,21
2021 2022 2023 2021 2022 2023 2021 2022 2023
Eksposur Kredit Ramah Lingkungan
Eco-Credit Exposure Rp Juta | Rp Million
Realisasi
Uraian Realization
Description
2021 2022 2023
Pengelolaan Sumber Gaya Alam Hayati dan Penggunaan Lahan yang Berkelanjutan 0 236.576 524.765
Management of Living Natural Resources and Sustainable Land Use
Konservasi Keanekaragaman Hayati Darat dan Air 0 375.038 564.725
Conservation of Land and Water Biodiversity
Kegiatan Usaha yang Berwawasan Lingkungan Lainnya 6.981 1.604 2.396
Other Environmentally Friendly Business Activities
Total Pembiayaan Ramah Lingkungan 6.981 613.220 1.091.885
Total Eco-Financing
Portofolio Kredit UMKM
MSME Loans Portfolio (Rp Miliar | Rp Billion)
Deskripsi
2021 2022 2023
Description
Portofolio Kredit UMKM 1.912.999 779.197 739,026
MSME Loans Portfolio
% Portofolio UMKM terhadap Total Kredit 22,43 % 9,66 % 8,67 %
% MSME Portfolio to Total Loans
322 Laporan Tahunan 2023 Annual Report
Page 325
KINERJA SOSIAL
SOCIAL PERFORMANCE
Komposisi Karyawan menurut Gender
Employee Composition by Gender
2021 2022 2023
56,32% 43,69% 52,74% 47,26%
45,68%
54,32%
309 324 328
Pria | Male
Wanita | Female
Realisasi Investasi Sosial Kemasyarakatan
Realization of Social Community Investment
Uraian Satuan
2021 2022 2023
Description Unit
Bantuan Sosial/Kesehatan Rp Juta 25,00 20,00 21,65
Social/Health Assistance Rp Million
Pembangunan Sarana/Prasarana Rp Juta 0 30,00
Construction of Facilities/Infrastructure Rp Million
Pendidikan/Beasiswa Rp Juta 499,00 0 220,00
Education/Scholarship Rp Million
Bantuan Untuk Korban Bencana Rp Juta 25,00 0 0
Assistance for Disaster Victims Rp Million
PT Bank Oke Indonesia, Tbk. 323
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Laporan Keberlanjutan
Sustainability Report
KINERJA LINGKUNGAN
ENVIRONMENTAL PERFORMANCE
Konsumsi Bahan Bakar Pemakaian Listrik Total Konsumsi Energi
Fuel Consumption Electricity Usage Total Energy Consumption
(Gigajoules) (Gigajoules) (Gigajoules)
2.099 2.451 4.551
1.996 4.235
2.240
2.019
3.523
1.504
2021 2022 2023 2021 2022 2023 2021 2022 2023
Cakupan 1 – Emisi (Ton CO2 eq) Cakupan 2 – Emisi (Ton CO2 eq) Total Emisi (Ton CO2 eq)
Scope 1 – Emissions (Ton CO2 eq) Scope 2 – Emissions (Ton CO2 eq) Total Emissions (Ton CO2 eq)
102,1 103,8 1.134,9 1.841
1.761
82,4 1.475
782,4
719,7
2021 2022 2023 2021 2022 2023 2021 2022 2023
324 Laporan Tahunan 2023 Annual Report
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Intensitas Konsumsi Energi Intensitas Emisi (Ton CO2eq/M2)
(Gigajoule/M2) Emissions Intensity (Ton CO2eq/M2)
Energy Consumption Intensity
(Gigajoule/M2)
0,54 0,23
0,49
0,20
0,43 0,18
2021 2022 2023 2021 2022 2023
Pemakaian Air (M3) Penggunaan Kertas (Rim)
Water Usage (M3) Paper Usage (Ream)
21.879 2.200
19.629 21.210
1.200
1.000
2021 2022 2023 2021 2022 2023
PT Bank Oke Indonesia, Tbk. 325
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Laporan Keberlanjutan
Sustainability Report
Strategi Pencapaian Tujuan
Keberlanjutan
Strategies to Achieve Sustainability Goals
SASARAN PEMBANGUNAN BERKELANJUTAN GLOBAL-SCALE SUSTAINABLE DEVELOPMENT
SKALA GLOBAL GOALS
Saat ini seluruh negara yang bergabung dalam Perserikatan Currently, all countries that join the United Nations have
Bangsa-Bangsa telah menyepakati untuk menerapkan agreed to employ the concept of Sustainable Development
konsep pembangunan berkelanjutan Sustainanble Goals (SDGs) when designing and implementing
Development Goals (SDGs) dalam merancang dan development programs in their respective countries. The
menjalankan program-program pembangunan di masing- SDGs consist of 17 global-scale sustainable development
masing negaranya. SDGs terdiri atas 17 rumusan tujuan goals that will be implemented in the period 2016-2030, as
pembangunan berkelanjutan skala global yang akan shown in the figure below.
diterapkan dalam kurun waktu 2016-2030, sebagaimana
diilustrasikan pada gambar berikut.
Untuk memastikan pencapaian beragam rumusan tujuan Regular meetings are held through the Cooperation of
dalam SDGs tersebut, dilakukan pertemuan reguler melalui Parties (COP) forum coordinated by the United Nations
forum Cooperation of Parties (COP) yang dikoordinasikan Framework Convention on Climate Change (UNFCCC) to
oleh The United Nations Framework Convention on Climate ensure the achievement of various formulations of goals
Change (UNFCCC). Pertemuan COP terakhir, yakni COP- in the SDGs. The last COP meeting, COP-28, was held from
28 diselenggarakan mulai 28 November – 12 Desember November 28–December 12, 2023, in Dubai, United Arab
2023, di Dubai – Uni Emirat Arab, dengan hasil utama Emirates, with the main result of reaching an agreement
dicapainya kesepakatan untuk mempercepat implementasi to accelerate the implementation of replacing fossil
penggantian sumber energi fosil yang ditengarai menjadi energy sources suspected to be the main cause of the
penyebab utama semakin intensifnya gejala cuaca ekstrem intensification of extreme weather symptoms in various
di berbagai kawasan. regions.
Pemerintah Indonesia telah mencanangkan Rencana Aksi The Government of Indonesia has launched a National
Nasional (RAN), di bawah koordinasi Badan Perencanaan Action Plan (NAP), under the coordination of the National
Pembangunan Nasional (Bappenas), untuk memastikan Development Planning Agency (Bappenas), to ensure
keberhasilan program penurunan emisi GRK hingga sebesar the success of the GHG emission reduction program
29% dengan usaha sendiri dan 41% jika mendapatkan by 29% with its efforts and 41% if it gets the support of
dukungan masyarakat global, di akhir tahun 2030 the global community, by the end of 2030, compared to
326 Laporan Tahunan 2023 Annual Report
Page 329
mendatang, dibandingkan dengan kondisi bisnis seperti the usual business conditions as a form of support for
biasanya sebagai salah satu wujud dukungan pencapaian achieving the SDGs goals. The issuance of Financial Services
tujuan SDGs. Terbitnya Peraturan Otoritas Jasa Keuangan Authority Regulation Number 51/POJK.03/2017 concerning
Nomor 51/POJK.03/2017 tentang Penerapan Keuangan the Implementation of Sustainable Finance for Financial
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Services Institutions, Issuers, and Public Companies is one
Perusahaan Publik, merupakan salah satu upaya yang of the efforts taken to ensure the achievement of these
ditempuh untuk memastikan pencapaian target tersebut. targets.
OK Bank bertekad untuk turut berpartisipasi mendukung OK Bank is determined to participate in supporting the
pencapaian tujuan pembangunan skala global tersebut dan achievement of these global-scale development goals
mulai menyusun serta menerbitkan Laporan Keberlanjutan and has begun to prepare and publish Sustainability
secara berkala dengan merujuk pada berbagai ketentuan Report regularly by referring to the various provisions
yang terdapat dalam POJK 51/2017. OK BANK juga berupaya contained in POJK 51/2017. OK BANK also strives to meet
maksimal untuk memenuhi harapan para pemangku the stakeholders’ expectations through the realization of
kepentingan melalui realisasi beragam kegiatan tanggung various relevant social responsibility activities, considering
jawab sosial yang relevan, mengingat pemenuhan harapan that meeting these expectations also means carrying out
dimaksud, berarti juga menjalankan berbagai program untuk various programs to improve the welfare of all citizens,
meningkatkan kesejahteraan seluruh warga masyarakat, which also means ensuring sustainable business growth
yang juga berarti menjamin pertumbuhan usaha yang while preserving the environment.
berkesinambungan, sekaligus menjaga kelestarian
lingkungan.
STRATEGI PENCAPAIAN TUJUAN STRATEGIES TO ACHIEVE SUSTAINABILITY
KEBERLANJUTAN GOALS
OKB mewujudkan tekad mendukung pencapaian tujuan OKB manifests its determination to support the
keberlanjutan tersebut dengan merancang dan menjalankan achievement of these sustainability goals by designing
program-program keberlanjutan yang dirangkum dalam and implementing sustainability programs summarized in
Rencana Aksi Keuangan Berkelanjutan (RAKB) Lima tahunan the five-year Sustainable Finance Action Plan (RAKB) and
dan RAKB Tahunan yang realisasinya disampaikan secara the annual RAKB, whose realization is submitted regularly
berkala kepada OJK, dan menjadi bagian dari konten to the OJK and is part of the content of this Sustainability
Laporan Keberlanjutan ini. Report.
VISI DAN MISI KEBERLANJUTAN OK BANK SUSTAINABILITY VISION AND MISSION OF
OK BANK
Visi Keuangan Berkelanjutan OK BANK: Sustainable Finance Vision of OK BANK:
“Menjadi Bank pilihan utama dalam keunggulan pelayanan “To become the Bank of choice for service excellence in
dalam keuangan berkelanjutan” sustainable finance”
Misi Keuangan Berkelanjutan OK BANK: Sustainable Finance Mission of OK BANK:
Misi PT Bank Oke Indonesia, Tbk. dalam implementasi PT Bank Oke Indonesia, Tbk. mission in implementing
keuangan berkelanjutan: sustainable finance:
• Memberikan manfaat yang besar bagi para pelaku • Providing great benefits for Micro, Small, and Medium
usaha Mikro, Kecil, dan Menengah (UMKM) Enterprises (MSMEs).
• Meningkatkan efisiensi aktivitas operasional serta • Improving the efficiency of operational activities and
mendukung pemberdayaan lingkungan. supporting environmental empowerment.
• Menciptakan produk dan/atau jasa perbankan dalam • Creating banking products and/or services in
keuangan berkelanjutan sustainable finance
PT BANK OKE INDONESIA Tbk 327
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Laporan Keberlanjutan
Sustainability Report
ROADMAP RENCANA AKSI KEUANGAN SUSTAINABLE FINANCE ACTION PLAN ROADMAP
BERKELANJUTAN
OK Bank membagi penerapan Aksi Keuangan Berkelanjutan OK Bank divides the implementation of Sustainable Finance
menjadi empat tahap yaitu: Actions into four stages:
2023 2024-2026 2027 2028
Tahap Implementasi Awal Tahap Implementasi Lanjutan Tahap Implementasi Penuh Tahap Implementasi Penuh
Initial Implementation Phase Advanced Implementation Phase Full Implementation Phase Full Implementation Phase
Memperkuat Komposisi Utama Mendukung Produk Pembiayaan Target Pencapaian Visi dan Misi Melanjutkan dan Mengembangkan
Keuangan Berkelanjutan Berkelanjutan Keuangan Berkelanjutan Kegiatan Berkelanjutan
Strengthening the Key Supporting Sustainable Finance Achievement Target of Continue and Expand Sustainable
Ingredients of Sustainable Products Sustainable Finance Vision and Activities
Finance Mission
Tahapan Implementasi Keuangan Berkelanjutan 2023- Implementation Stage of Sustainable Finance in 2023-
2028 2028
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No
Year Priority Activity Target Success Indicator
1 2023 Peningkatan portfolio UMKM sebagai dukungan Portfolio UMKM memenuhi ketentuan minimal regulator seiring
kepada pemulihan ekonomi rakyat setelah pandemi. pertumbuhan kredit Bank
Increasing the MSME portfolio as support for people's MSME portfolio meets the minimum regulatory requirement in line with
economic recovery after the pandemic. the Bank's credit growth.
Pelaksanaan edukasi internal bekerjasama dengan · Sebanyak 80% dari total pengurus dan pejabat eksekutif Bank telah
berbagai pihak eksternal seperti Regulator dan mengikuti training lingkungan hidup tingkat dasar atau pelatihan
Lembaga/Instansi terkait lainnya. sejenis lainnya.
Implementation of internal education in collaboration · Peningkatan kompetensi Karyawan Satuan Kerja Aksi Keuangan
with various external parties such as Regulators and Berkelanjutan.
other related Institutions/Agencies. · Melakukan pelatihan kepada karyawan analis kredit tentang
penyaluran kredit berkelanjutan.
· Pelatihan Penyusunan Laporan Keberlanjutan kepada Divisi Risk
Management, Compliance dan Corporate Secretary, masing-masing
1 orang.
· Pelatihan Taksonomi Hijau kepada Divisi Corporate Planning,
Compliance, Corporate Secretary dan Risk Management.
· Terlaksananya kampanye efisiensi dan peduli lingkungan kepada
karyawan.
· Terbitnya 1 newsletter kepada seluruh karyawan tentang aksi
keuangan keberlanjutan.
· As much as 80% of total management and executive officers of
the Bank have attended basic level environmental training or other
similar training.
· Improving the competence of the Employees of the Sustainable
Finance Action Unit.
· Conduct training for credit analyst employees on sustainable credit
distribution.
· Sustainability Report Preparation Training for the Risk Management,
Compliance, and Corporate Secretary divisions, one person each.
· Green Taxonomy training for Corporate Planning, Compliance,
Corporate Secretary, and Risk Management divisions.
· Implementation of the campaign for efficiency and care for the
environment for employees.
· Issuance of 1 newsletter to all employees regarding sustainable
financial action.
Implementasi target dan Alokasi Dana Tanggung Realisasi tanggung Jawab Sosial dan Lingkungan (TJSL) kepada Kategori
Jawab Sosial dan Lingkungan Hidup (TJSL). Usaha Keuangan Berkelanjutan sebanyak 20% dari total realisasi dana
Implementation of targets and Allocation of Social and CSR Bank.
Environmental Responsibility Funds (TJSL). Realization of Social and Environmental Responsibility (TJSL) for
Sustainable Finance Business Category as much as 20% of total
realization of the Bank's CSR funds.
328 Laporan Tahunan 2023 Annual Report
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No
Year Priority Activity Target Success Indicator
1 2023 Pengembangan Sumber Daya Manusia (SDM) untuk · Peningkatan kompetensi (lanjutan) Karyawan Satuan Kerja
mengelola fungsi keuangan berkelanjutan. Keuangan Berkelanjutan.
Development of Human Resources (HR) to manage the · Melakukan pelatihan kepada analis kredit tentang penyaluran kredit
sustainable finance function. berkelanjutan.
· Competence improvement (advanced) of Sustainable Finance Work
Unit Employees.
· Conducting training for credit analyst on sustainable credit
distribution.
Penyusunan Standar Operasional dan Prosedur Standar Operasional dan Prosedur keuangan berkelanjutan telah
keuangan berkelanjutan. disetujui Direksi.
Preparation of Operational Standards and Sustainable Operational Standards and Procedures for sustainable finance have
Finance Procedures. been approved by the Board of Directors.
Pelaksanaan review dan penyesuaian PP terkait. a. Review dan penyesuaian PP Risk Management.
Implementation of related PP review and adjustment. b. Review dan Penyesuaian PP unit lainnya.
a. Review and adjustment of PP Risk Management.
b. Review and Adjustment of PP of other units.
Implementasi Pilot Project THI dan Pengembangan · Sudah terdapat kolom Kategori Hijau pada data MIS.
Sistem MIS. · 100 Debitur terbesar dapat di klasifikasi menurut kategori Hijau
THI Pilot Project Implementation and MIS System (yellow, green dan red).
Development. · There is already a Green Category column in the MIS data.
· The 100 largest debtors can be classified according to the Green
category (yellow, green and red).
2 2024 Peningkatan portfolio UMKM sebagai dukungan Portfolio UMKM memenuhi ketentuan minimal regulator seiring
kepada pemulihan ekonomi rakyat setelah pandemi pertumbuhan kredit Bank
Increasing the MSME portfolio as support for the MSME portfolio meets minimum regulatory requirements in line with
people's economic recovery after the pandemic the Bank's loan growth
Mempertahankan dan meningkatkan Penyaluran Dana Pertumbuhan portofolio penyaluran dana pada perusahaan yang
kepada perusahaan yang memiliki sertifikat dalam memiliki kategori kegiatan usaha berkelanjutan
Pengolahan maupun Konservasi Lingkungan Growth in lending portfolio to companies categorized as sustainable
Maintaining and increasing Fund Disbursement to business activities
companies that have certificates in Environmental
Management and Conservation
Meningkatkan portofolio Penyimpanan Dana yang Pertumbuhan portofolio penghimpunan dana
memiliki kriteria kegiatan usaha berkelanjutan Growth of fund raising portfolio
Increasing the portfolio of Fund Deposits that have
criteria for sustainable business activities
Pelaksanaan edukasi internal bekerja sama dengan · Sebanyak minimal 25% dari total pengurus dan pejabat eksekutif
berbagai pihak eksternal seperti Regulator dan Bank telah mengikuti training lingkungan hidup tingkat dasar atau
Lembaga/Instansi terkait lainnya. pelatihan sejenis lainnya.
Implementation of internal education in collaboration · Peningkatan kompetensi Karyawan Satuan Kerja Aksi Keuangan
with various external parties such as Regulators and Berkelanjutan.
other related Institutions/Agencies. · Melakukan pelatihan kepada minimal 20% dari total karyawan analis
kredit dan tim bisnis tentang penyaluran kredit berkelanjutan.
· Pelatihan Penyusunan Laporan Keberlanjutan kepada Divisi
Corporate Planning, Compliance, Risk Management dan Corporate
Secretary masing-masing 1 orang.
· Pelatihan Taksonomi Hijau kepada Divisi Corporate Planning,
Compliance, Corporate Secretary dan Risk Management.
· Terlaksananya kampanye efisiensi dan peduli lingkungan kepada
karyawan.
· Terbitnya 1 newsletter kepada seluruh karyawan tentang aksi
keuangan keberlanjutan
· At least 25% of the total management and executive officers of
the Bank have participated in basic environmental training or other
similar training.
· Increased competency of Sustainable Finance Action Unit
employees.
· Conducting training to at least 20% of the total employees of credit
analysts and business teams on sustainable lending.
· Training on Sustainability Report Preparation to one person each
from the Corporate Planning, Compliance, Risk Management, and
Corporate Secretary Divisions.
· Green Taxonomy Training to the Corporate Planning, Compliance,
Corporate Secretary, and Risk Management Divisions.
· Implementation of efficiency and environmental awareness
campaigns for employees.
· Issuance of one newsletter to all employees on sustainability
financial actions.
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No
Year Priority Activity Target Success Indicator
2 2024 Implementasi target dan Alokasi Dana Tanggung Realisasi tanggung Jawab Sosial dan Lingkungan (TJSL) kepada Kategori
Jawab Sosial dan Lingkungan Hidup (TJSL) Usaha Keuangan Berkelanjutan sebanyak 20% dari total realisasi dana
Implementation of targets and Allocation of Social and CSR Bank
Environmental Responsibility (TJSL) Funds Realization of Social and Environmental Responsibility (TJSL) to the
Sustainable Finance Business Category as much as 20% of the total
realization of the Bank's CSR funds
Pengembangan Sumber Daya Manusia (SDM) untuk · Peningkatan kompetensi (lanjutan) Karyawan Satuan Kerja
mengelola fungsi keuangan berkelanjutan Keuangan Berkelanjutan.
Development of Human Resources (HR) to manage the · Melakukan pelatihan kepada analis kredit dan tim bisnis tentang
sustainable finance function penyaluran kredit berkelanjutan.
· Competency improvement (advanced) of Sustainable Finance Work
Unit Employees.
· Training for credit analysts and business teams on sustainable
lending.
Pelaksanaan review dan penyesuaian PP terkait · Review dan penyesuaian PP Risk Management
Implementation of review and adjustment of related · Review dan Penyesuaian PP unit lainnya
PP · Review and adjustment of PP Risk Management
· Review and Adjustment of PP of other units
Implementasi Pilot Project THI dan Pengembangan · Pemantauan dan Pembaharuan lanjutan kolom Kategori Hijau pada
Sistem MIS MIS
Implementation of THI Pilot Project and MIS System · Seluruh debitur dapat di klasifikasi menurut kategori Hijau (yellow,
Development green, dan red)
· Advanced Monitoring and Updating of the Green Category column
in the MIS
· All debtors can be classified according to Green category (yellow,
green, and red)
Peningkatan kerjasama dengan UMKM dalam kegiatan Terdapat minimal 1 vendor kategori UMKM yang bekerja sama dalam
operasional Bank bentuk kegiatan operasional maupun kegiatan bisnis Bank lainnya.
Increased cooperation with MSMEs in the Bank's At least one vendor in the MSME category that cooperates with the
operational activities Bank's operations and other business activities.
Persiapan pedoman internal yang mendukung praktik Terbentuknya kerangka pedoman
ramah lingkungan dalam seluruh kegiatan operasional Establishment of guideline framework
Bank
Preparation of internal guidelines that support
environmentally friendly practices in all operational
activities of the Bank
3 2025 Penyusunan pedoman internal yang mendukung Disusunnya 1 pedoman internal terkait praktik ramah lingkungan dalam
praktik ramah lingkungan dalam kegiatan operasional kegiatan operasional Bank
Bank Compilation of one internal guideline related to environmentally
Preparation of internal guidelines that support friendly practices in the Bank's operational activities
environmentally friendly practices in the Bank's
operational activities
Penyesuaian klasifikasi kegiatan usaha Bank Disesuaikannya klasifikasi kegiatan usaha Bank sesuai keuangan
Adjustment of the classification of the Bank's business berkelanjutan
activities Classification adjustment of the Bank's business activities according to
sustainable finance
Desain, pengembangan dan inovasi produk dan/atau Diluncurkannya 1 produk dan/atau jasa keuangan berkelanjutan
jasa keuangan berkelanjutan Launch of one sustainable financial product and/or service
Design, development and innovation of sustainable
financial products and/or services
Implementasi Pilot Project THI secara menyeluruh Seluruh debitur Bank sudah bisa di klasifikasi menurut kategori Hijau
Thorough implementation of the THI Pilot Project (yellow, green, dan red)
All bank debtors can be classified according to Green category (yellow,
green and red)
Pengembangan Sumber Daya Manusia (SDM) Melakukan pelatihan kepada minimal 40% dari total karyawan analis
Human Resource (HR) Development kredit dan tim bisnis tentang penyaluran kredit berkelanjutan
Training to at least 40% of total credit analyst employees and business
teams on sustainable lending
4 2026 Desain, pengembangan dan inovasi produk dan/atau Diluncurkannya 1-2 produk dan/atau jasa keuangan berkelanjutan
jasa keuangan berkelanjutan Launch of one-two sustainable financial products and/or services
Design, development and innovation of sustainable
financial products and/or services
Inisiasi portofolio produk dan/atau jasa keuangan Pertumbuhan kinerja produk keuangan berkelanjutan sebesar 20%
berkelanjutan Sustainable financial product performance growth of 20%
Initiate a portfolio of sustainable financial products
and/or services
330 Laporan Tahunan 2023 Annual Report
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Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No
Year Priority Activity Target Success Indicator
4 2026 Pengembangan Sumber Daya Manusia (SDM) tingkat · Peningkatan kompetensi (lanjutan) Karyawan Satuan Kerja
lanjutan Keuangan Berkelanjutan.
Advanced Human Resource (HR) Development · Melakukan pelatihan kepada minimal 60% dari total karyawan analis
kredit dan tim bisnis tentang penyaluran kredit berkelanjutan
· Competency improvement (advanced) of Sustainable Finance Work
Unit Employees.
· Training of at least 60% of total credit analysts and business team
employees on sustainable lending.
Pelaksanaan edukasi nasabah terkait produk dan/atau Pembuatan media komunikasi produk dan/atau jasa keuangan
jasa keuangan berkelanjutan berkelanjutan
Implementation of customer education regarding Making communication media for sustainable financial products and/
sustainable financial products and/or services or services
Menumbuhkan Taksonomi Hijau Portofolio THI meningkat
Growing Green Taxonomy Increase in THI portfolio
5 2027 Pengembangan portofolio produk dan/atau jasa Dilakukannya pengembangan produk dan/atau jasa keuangan
keuangan berkelanjutan berkelanjutan
Development of a portfolio of sustainable financial Developing sustainable financial products and/or services
products and/or services
Penyusunan sistem pengawasan dan pelaporan Diluncurkannya sistem pengawasan dan pelaporan penerapan keuangan
penerapan keuangan berkelanjutan berkelanjutan
Preparation of a monitoring and reporting system for Launch of monitoring and reporting system for the implementation of
the implementation of sustainable finance sustainable finance
Penyusunan sistem pengelolaan bisnis yang Diluncurkannya sistem pengelolaan bisnis yang terintegrasi antara
terintegrasi antara komponen lingkungan hidup, sosial komponen lingkungan hidup, social dan tata kelola dalam pengelolaan
dan tata kelola dalam pengelolaan risiko risiko
Developing an integrated business management Launch of an integrated business management system between
system between environmental, social, and environmental, social and governance components in risk management
governance components in risk management
Pengembangan Sumber Daya Manusia (SDM) tingkat · Peningkatan kompetensi (lanjutan) Karyawan Satuan Kerja
lanjutan Keuangan Berkelanjutan.
Advanced Human Resource (HR) Development · Melakukan pelatihan kepada minimal 80% dari total karyawan analis
kredit dan tim bisnis tentang penyaluran kredit berkelanjutan
· Competency improvement (advanced) of Sustainable Finance Work
Unit Employees.
· Training of at least 80% of total credit analysts and business team
employees on sustainable lending.
6 2028 Melanjutkan dan mengembangkan pelaksanaan dan Seluruh kegiatan bisnis dan operasional Bank telah memenuhi prinsip
kegiatan keuangan berkelanjutan berkelanjutan
Continuing and developing sustainable finance All business activities and operations of the Bank have complied with
implementation and activities the principles of sustainability
REALISASI RAKB 2023 2023 RAKB REALIZATION
Kegiatan usaha berkelanjutan Bank difokuskan pada sektor The Bank’s sustainable business activities are focused on
UMKM dalam hal penyaluran maupun penghimpunan dana. the MSME sector in terms of channeling and raising funds.
Sektor UMKM merupakan sektor prioritas pemerintah dalam The MSME sector is the government’s priority sector in the
program Pemulihan Ekonomi Nasional pasca pandemi. post-pandemic National Economic Recovery program.
REALISASI
Uraian Kategori Kegiatan Usaha Berkelanjutan REALIZATION Keterangan
No.
Description Category of Sustainable Business Activities Desember 2023 Description
December 2023
1 Penghimpunan Dana yang 274.315,52 Rencana tabungan dan
memenuhi kriteria kegiatan tabungan bisnis yang
usaha berkelanjutan diperuntukan bagi pelaku
Fund Raising that meets the UMKM serta perorangan
criteria of sustainable business untuk pengelolaan
activities keuangan yang lebih baik
Savings and business
savings plans for SMEs
and individuals for better
financial management
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REALISASI
Uraian Kategori Kegiatan Usaha Berkelanjutan REALIZATION Keterangan
No.
Description Category of Sustainable Business Activities Desember 2023 Description
December 2023
2 Energi Terbarukan
Renewable Energy
3 Efisiensi Energi
Energy Efficiency
4 Pencegahan dan Pengendalian Polusi
Pollution Prevention and Control
5 Pengelolaan Sumber Daya Alam Hayati dan 524.764,65 Penyaluran kredit kepada
Penggunaan Lahan yang Berkelanjutan perusahaan yang memiliki
Sustainable Management of Living Natural Resources penghargaan dan/atau
and Land Use sertifikasi pengelolaan lahan
berkelanjutan
Lending to companies
that have sustainable land
management awards and/or
certifications
6 Konservasi Keanekaragaman Hayati Darat dan Air 564.725,00 Penyaluran kredit kepada
Conservation of Land and Water Biodiversity perusahaan yang memiliki
pengharagaan dan/atau
sertifikasi konservasi
lingkungan
Lending to companies
that have environmental
conservation awards and/or
Penyaluran Dana: Kredit/ certifications
Pembiayaan kegiatan usaha
7 berkelanjutan Transportasi Ramah Lingkungan
Fund Disbursement: Loans/ Eco-friendly Transportation
Financing of sustainable
8 business activities Pengelolaan Air dan Air Limbah yang Berkelanjutan
Sustainable Water and Wastewater Management
9 Adaptasi Perubahan Iklim
Climate Change Adaptation
10 Produk yang Dapat Mengurangi Penggunaan
Sumber Daya dan Menghasilkan Lebih Sedikit Polusi
(Ecofficient)
Products that Use Less Resources and Pollute Less
(Ecofficient)
11 Bangunan Berwawasan Lingkungan yang Memenuhi
Standar atau Sertifikasi yang Diakui Secara Nasional,
Regional, atau Internasional
Environmentally Sound Buildings that Meet
Nationally, Regionally, or Internationally Recognized
Standards or Certifications
12 Kegiatan Usaha dan/atau Kegiatan Lain yang 2.395,91
Berwawasan Lingkungan Lainnya
Business Activities and/or Other Environmentally
Sound Activities
13 Kegiatan UMKM 739.026,04 Penyaluran kredit kepada
MSME Activities pelaku bisnis UMKM
Lending to MSME
businesses
14 Penyaluran Dana: Non Kredit/
Non Pembiayaan kegiatan
usaha berkelanjutan
Fund Disbursement: Non-
credit/Non-financing of
sustainable business activities
15 Total Kredit/Pembiayaan Bank 8.527.881,28 Keseluruhan total
Total Bank Loans/Financing penyaluran kredit Bank
Overall total lending of the
Bank
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Implementasi kegiatan berkelanjutan PT Bank Oke The implementation of PT Bank Oke Indonensia Tbk’s
Indonensia Tbk tercermin dalam Realisasi Rencana Keuangan sustainable activities is reflected in the realization of the
Berkelanjutan Bank dimana Bank secara aktif melakukan Bank’s Sustainable Financial Plan where the Bank actively
penambahan penyaluran kredit kepada segmen/kegiatan increases its lending to the segments/activities of resource
pengelolaan Sumber Daya dan Konservasi Lingkungan serta management, environmental conservation, and other
kegiatan lain yang berwawasan lingkungan juga penyaluran environmentally sound activities, as well as lending to
kredit pada UMKM. Target pertumbuhan penyaluran kredit MSMEs. The Bank’s target growth in lending to MSMEs in
kepada UMKM Bank di tahun 2024 naik 107%-108% dari 2024 increased by 107%–108% from the December 2023
target Desember 2023 dan Realisasi September 2023. target and the September 2023 realization.
KEGIATAN MEMBANGUN BUDAYA ACTIVITY IN BUILDING SUSTAINABILITY
KEBERLANJUTAN CULTURE
Berbagai program yang dijalankan OK BANK dalam rangka Various programs run by OK BANK in order to build a
membangun budaya keberlanjutan disampaikan pada culture of sustainability are presented in the following
uraian berikut. description.
Pelaksanaan Pelatihan dan Pengembangan Kompetensi Implementation of Sustainable Competency Training and
Berkelanjutan Development
OK Bank mengirimkan beberapa orang staf yang OK Bank sends some staff who are responsible for the
bertanggung jawab terhadap pelaksanaan program- implementation of sustainable finance programs, or
program keuangan berkelanjutan, atau program-program sustainability programs, as follows:
keberlanjutan, sebagai berikut;
Peserta OK BANK
Judul Training Lokasi Tanggal
Provider Participant of OK
Training Title Location Date
BANK
Unpacking Sustainability Reporting in Indonesia: Challenges, Best Karisman Jakarta 17 Mei 2023 2 Orang
Practices, and Future Directions Learning May 17, 2023 2 people
Training Peraturan OJK Nomor 51/POJK.03/2017 tentang Penerapan Johnson Jakarta 22 – 23 Mei 5 orang
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan (LJK), Emiten, Indonesia 2023 5 people
dan Perusahaan Publik May 22 -23,
Training of OJK Regulation Number 51/POJK.03/2017 concerning the 2023
Application of Sustainable Finance for Financial Services Institutions
(FSIs), Issuers, and Public Companies
Webinar “The Future of Sustainability Reporting: An Exclusive Forum BEI/IDX Jakarta Juni 2023 2 orang
for Regulators and Listed Companies in Indonesia” June, 2023 2 people
Aktivitas Implementasi Keuangan Berkelanjutan Sustainable Finance Implementation Activities
Adapun kegiatan yang dijalankan OK BANK dalam rangka The activities carried out by OK BANK in the context of
Implementasi Program-program Keuangan Berkelanjutan the Implementation of Sustainable Finance Programs
sepanjang tahun 2023 adalah sebagai berikut: throughout 2023 are as follows:
· Pembentukan unit khusus pengelola keuangan · Establishment of a special unit for sustainable finance
berkelanjutan. management.
Pedoman Teknis POJK Nomor 51/POJK.03/2017 POJK Technical Guidelines Number 51/POJK.03/2017
menyebutkan bahwa dalam rangka penyesuaian states that in order to adjust the organizational
struktur organisasi dapat dilakukan dengan menambah structure, Sustainable Finance’s main duties and
tupoksi Keuangan Berkelanjutan pada unit yang sudah functions can be carried out by adding to existing units
ada atau menambah unit khusus yang menjalankan or special units that run Sustainable Finance programs.
program-program Keuangan Berkelanjutan. The Bank decided to add the program’s main duties and
Bank memutuskan untuk menambah tupoksi program functions to the Corporate Planning unit as a work unit
pada unit Corporate Planning sebagai unit kerja yang that will coordinate with all other work units.
akan berkoordinasi dengan seluruh unit kerja lainnya.
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· Penyusunan Pedoman Keuangan Berkelanjutan. · Preparation of Sustainable Finance Guidelines.
Dalam rangka memastikan penerapan Aksi Keuangan In order to ensure that the implementation of
Berkelanjutan selaras dengan berbagai ketentuan Sustainable Finance Actions is in line with various
dan peraturan yang berlaku mengenai Keuangan applicable provisions and regulations regarding
Berkelanjutan dan ketentuan yang berlaku mengenai Sustainable Finance and applicable provisions regarding
isu sosial dan lingkungan hidup, dibutuhkan suatu social and environmental issues, a guideline is needed
pedoman sebagai panduan bagi unit pengelola as a guide for sustainable finance management units.
keuangan berkelanjutan.
· Pelaksanaan edukasi internal bekerjasama dengan · Implementation of internal education in collaboration
pihak eksternal seperti regulator dan lembaga/instansi with external parties such as regulators and other
lainnya. institutions/agencies.
· Peningkatan kapasitas pengurus terkait Penerapan Aksi · Capacity building of the management regarding the
Keuangan Berkelanjutan Implementation of Sustainable Finance Action
· Peningkatan kompetensi karyawan satuan kerja Aksi · Increased competency of Sustainable Finance Action
Keuangan Berkelanjutan work unit employees
· Melakukan pelatihan kepada kredit analis · Training for credit analysts
· Peningkatan pengetahuan tim bisnis terkait produk dan · Increased knowledge of business teams related to
kegiatan Keuangan Berkelanjutan Sustainable Finance products and activities
· Pelatihan penyusunan Laporan Keberlanjutan · Training on Sustainability Report preparation
· Kampanye peduli lingkungan kepada karyawan Bank · Environment awareness campaign to the Bank’s
employees
· Penerbitan newsletter mengenai Aksi Keuangan · Issuance of newsletter on Sustainable Finance Action.
Berkelanjutan.
· Implementasi target dan alokasi dana Tanggung Jawab · Implementation of targets and allocation of Social and
Sosial dan Lingkungan (TJSL) Environmental Responsibility (TJSL) funds
Sebagai bagian yang tidak tepisahkan dari Aksi As an integral part of the Sustainable Finance Action, the
Keuangan Berkelanjutan, Bank melaksanakan program Bank implements TJSL programs emphasizing MSMEs,
TJSL yang menekankan pada UMKM, kepedulian social care, and education. The Bank has established
sosial dan pendidikan. Bank telah menetapkan several TJSL programs aligned with supporting the
beberapa program TJSL yang selaras dengan dukungan achievement of sustainability goals in the next few
pencapaian tujuan keberlanjutan dalam beberapa years.
tahun ke depan.
PENGELOLAAN HUBUNGAN DAN PELIBATAN MANAGEMENT OF STAKEHOLDER ENGAGEMENT
PEMANGKU KEPENTINGAN AND RELATIONSHIPS
OK Bank menyadari bahwa elemen utama keberhasilan OK Bank recognizes that a key element of the successful
penerapan program-program keberlanjutan adalah implementation of sustainability programs is long-
hubungan jangka panjang berasaskan saling percaya dan term relationships based on mutual trust and respect
saling menghormati dengan para pemangku kepentingan. with stakeholders. Therefore, the Bank has identified
Oleh karena itu, Bank telah mengidentifikasi tujuh kelompok seven stakeholder groups based on internal agreements
pemangku kepentingan berdasarkan kesepakatan internal and benchmarking results with other companies in
dan hasil benchmarking dengan perusahaan-perusahaan the Indonesian banking industry. The Bank strives to
lain di sektor industri perbankan Indonesia. Bank berupaya meet stakeholders’ expectations through effective
memenuhi harapan para pemangku kepentingan melalui communication and harmonious relationship building.
komunikasi yang efektif dan pembinaan hubungan yang
harmonis.
Bank kemudian mengelola hubungan dengan para The Bank then manages relationships with stakeholders
pemangku kepentingan dan melibatkan mereka dalam and involves them in carrying out sustainability programs
menjalankan program-program keberlanjutan secara proportionally, as follows.
proporsional, sebagai berikut.
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Rekapitulasi pengelolaan hubungan dengan para Recapitulation of relationship management with
pemangku kepentingan stakeholders.
Pemangku Kepentingan Topik dan Isu Utama Pendekatan Frekuensi Pelibatan
Stakeholders Topic and Main Issue Approach Engagement Frequency
Pemegang saham dan Investor Peningkatan Kinerja Perusahaan Rapat Umum Pemegang Saham ( RUPS ) Minimal setahun sekali
Shareholders and Investors Company Performance Improvement General Meeting of Shareholders (GMS) At least once a year
Nasabah Pelayanan jasa terbaik Rapat Koordinasi Sesuai kebutuhan
Customers Best services Coordination Meeting According to the needs
Harga jasa yang bersaing dan efisien Komunikasi melalui media yang tersedia Sesuai kebutuhan
Competitive and efficient service price Communication through available According to the needs
media
Pegawai Terjamin kesejahteraan pekerja beserta Serikat pekerja dan Perjanjian Kerja Setahun sekali
Employees keluarganya Bersama Once a year
Guaranteed wellbeing of employees Trade unions and Collective Labor
and their families Agreement
Suasana kerja yang kondusif, sehat dan Forum tatap muka Setahun sekali
aman Face-to-face forum Once a year
Conducive, healthy and safe working
atmosphere
Jenjang karier dan penilaian kinerja Knowledge sharing Minimal 1 kali setahun
yang jelas, setara dan tidak ada praktik At least once a year
diskriminasi.
Career path and performance
assessment are clear, equal, and there is
no discriminatory practice.
Pemasok Kepatuhan terhadap peraturan Kontrak dan perjanjian Sesuai Kebutuhan
Suppliers Compliance with regulations Contract and agreement According to the needs
Pembayaran tepat waktu Suppliers 1 kali setahun
Timely payment Once a year
Proses evaluasi yang objektif Penilaian kinerja pemasok Minimal 1 kali per proyek
Objective evaluation process Supplier performance assessment At least once per project
Kepatuhan terhadap peraturan Kepatuhan terhadap peraturan Setiap saat
Compliance with regulations Compliance with regulations Anytime
Kontribusi ekonomi pada pemerintah Kontribusi ekonomi pada pemerintah Sesuai ketentuan
(pajak dan penggunaan subsidi) (pajak dan penggunaan subsidi) perpajakan
Economic contribution to government Economic contribution to government In accordance with tax
(tax and use of subsidies) (tax and use of subsidies) provisions
Pemerintah Kepatuhan terhadap peraturan Kepatuhan terhadap peraturan Setiap saat
Government Compliance with regulations Compliance with regulations Anytime
Kesehatan perusahaan Kesehatan perusahaan Setiap saat
Soundness of the Company Soundness of the Company Anytime
Kontribusi ekonomi pada pemerintah Kontribusi ekonomi pada pemerintah Sesuai ketentuan
(pajak dan penggunaan subsidi) (pajak dan penggunaan subsidi) perpajakan
Economic contribution to government Economic contribution to government In accordance with tax
(tax and use of subsidies) (tax and use of subsidies) provisions
Masyarakat Hubungan yang harmonis tanpa ada Kegiatan Corporate Social Sesuai kebutuhan/
Community konflik Responsibility mengikuti ketentuan
Harmonious relationship without any Corporate Social Responsibility Pemegang Saham
conflict Activities According to the needs/
provisions of the
Shareholders
Memperoleh akses informasi yang luas Forum tatap muka Sesuai kebutuhan
Gaining access to a wide range of Face-to-face forum According to the needs
information
Media Massa Hubungan yang harmonis Konferensi pers Sesuai kebutuhan
Mass Media Harmonious Relationship Press Conference According to the needs
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Tata Kelola Keberlanjutan
Governance of Sustainability
Sesuai dengan statusnya sebagai lembaga jasa keuangan In accordance with its status as a financial institution and
dan perusahaan publik, OK BANK diwajibkan memiliki a public company, OK BANK is obliged to have employees,
pegawai, pejabat dan/atau unit kerja yang menjadi officials, and/or units responsible for implementing
penanggung jawab penerapan Keuangan Berkelanjutan. Sustainable Finance. OK BANK assigns Corporate Planning
OK BANK menugaskan Corporate Planning sebagai unit in as the unit in charge of managing the Sustainable Finance
charge Pengelola Program Aksi Keuangan Berkelanjutan Action Program, supported by the Finance and Risk
dengan didukung oleh Divisi Finance dan Risk Management Management Division as counterparts to monitor the
sebagai counter part untuk melakukan monitoring realisasi realization of credit allocation to sustainable business
penyaluran Kredit kepada Kegiatan Usaha Berkelanjutan. activities.
Dalam merealisasikan program dan aktivitas aksi In realizing the Sustainable Finance action program and
keuangan berkelanjutan, Bank menunjuk pengelola aksi activities, the Bank appoints a Sustainable Finance action
keuangan berkelanjutan, yang merupakan tim gabungan manager, which is a combined team from Corporate
dari Corporate Planning, Finance, Risk Management, Planning, Finance, Risk Management, Compliance, Human
Compliance Human Capital, General Affairs, Marcomm dan Capital, General Affairs, Marcomm, and Corporate Secretary,
Corporate Secretary, dengan uraian tugas dan tanggung with the description of tasks and responsibilities as follows.
jawab sebagaimana disampaikan berikut.
PENANGGUNG JAWAB PELAKSANAAN RESPONSIBLE FOR THE IMPLEMENTATION OF
PELAKSANAAN PROGRAM KEUANGAN THE SUSTAINABLE FINANCE PROGRAM
BERKELANJUTAN
Secara keseluruhan Aksi Keuangan Berkelanjutan dikelola Overall, Sustainable Finance Actions are managed by
oleh tim Sustainability PT Bank Oke Indonesia, Tbk. yang the Sustainability team of PT Bank Oke Indonesia, Tbk.,
terdiri dari Corporate Planning dengan didukung oleh consisting of Corporate Planning supported by the Finance,
Divisi Finance, Risk Management, Compliance, Corporate Risk Management, Compliance, Corporate Secretary,
Secretary, Marcomm, General Affairs, Bisnis, dan Human Marcomm, General Affairs, Business, and Human Capital
Capital. Adapun uraian rincian unit kerja dan pejabat yang divisions. The detailed description of units and officials
bertanggung jawab terhadap Penerapan Aksi Keuangan responsible for the Implementation of Sustainable Finance
Berkelanjutan adalah sebagai berikut: Actions is as follows:
Pejabat Tugas dan Wewenang
Directorate Duties and Authorities
Direksi Bank Bertanggung jawab terhadap Pengelolaan Program Aksi Keuangan Berkelanjutan Bank secara keseluruhan.
BOD of the Bank Responsible for the overall management of the Bank's Sustainable Financial Action Program.
Corporate Planning a. Bertanggung jawab terhadap Direksi terhadap Pengelolaan Program Aksi Keuangan Berkelanjutan Bank secara
keseluruhan.
b. Mengelola Program Aksi Keuangan Berkelanjutan di Bank
c. Menyusun Rencana Aksi Keuangan Berkelanjutan Bank
d. Memproyeksikan Pertumbuhan Penyaluran Kredit kepada Kegiatan Usaha Berkelanjutan
e. Menyusun Laporan Keberlanjutan Bank
a. Responsible to the BOD for the management of the Bank's Sustainable Financial Action Program overall.
b. Managing the Sustainable Financial Action Program at the Bank.
c. Developing the Bank's Sustainable Financial Action Plan.
d. Projecting the Growth of Credit Disbursement to Sustainable Business Activities.
e. Preparing the Bank's Sustainability Report.
Finance a. Support Penyusunan Rencana Aksi Keuangan Berkelanjutan Bank
b. Memonitor Pelaksanaan Aksi Keuangan Berkelanjutan di Bank
c. Pelaporan Bulanan Realisasi Penyaluran Kredit kepada Kegiatan Usaha Kategori Berkelanjutan
a. Supporting the Preparation of the Bank's Sustainable Financial Action Plan.
b. Monitoring the Implementation of Sustainable Financial Actions at the Bank.
c. Monthly Reporting on the Realization of Credit Disbursement to Sustainable Business Activities Categories.
Compliance a. Menyusun Pedoman Perusahaan Aksi Keuangan Berkelanjutan Bank
b. Melakukan review dan rekomendasi terkait aspek kepatuhan terhadap Program Aksi Keuangan Berkelanjutan Bank
a. Developing the Company's Guidelines for the Bank's Sustainable Financial Action Program.
b. Reviewing and recommending compliance aspects related to the Bank's Sustainable Financial Action Program.
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Pejabat Tugas dan Wewenang
Directorate Duties and Authorities
Risk Management a. Menyusun Pedoman Perusahaan Aksi Keuangan Berkelanjutan Bank
b. Melakukan monitoring risiko kredit dan risiko lainnya terkait penerapan Aksi Keuangan Berkelanjutan Bank
a. Developing the Company's Guidelines for the Bank's Sustainable Financial Action Program.
b. Monitoring credit and other risk-related risks associated with the implementation of the Bank's Sustainable Financial
Action Program.
Human Capital a. Melakukan rekruitmen untuk unit khusus pengelola keuangan berkelanjutan (apabila diperlukan)
b. Melakukan pelatihan peningkatan kompetensi terkait Program Aksi Keuangan Berkelanjutan Bank
a. Recruiting for a special unit managing sustainable finance (if needed).
b. Conducting training to improve competencies related to the Bank's Sustainable Financial Action Program.
Bisnis a. Penyaluran kredit kepada Kegiatan Usaha Berkelanjutan
Business b. Penerbitan produk/jasa keuangan berkelanjutan
a. Credit disbursement to Sustainable Business Activities.
b. Issuance of sustainable financial products/services.
Marketing a. Melakukan Publikasi via e-mail, banner, social media.
Communication b. Mengadakan program terkait CSR.
c. Koordinasi penyusunan SR (Sustainable Report).
a. Conducting Publication via email, banners, social media.
b. Holding CSR-related programs.
c. Coordinating the preparation of SR (Sustainability Report).
General Affairs a. Mengoptimalkan kerjasama dengan Vendor UMKM dalam pelaksanaan kegiatan operasional.
b. Menyediakan kebutuhan kegiatan bisnis dan operasional sesuai berdasarkan prinsip ramah lingkungan.
a. Optimizing cooperation with MSME vendors in operational activities.
b. Providing business and operational needs based on environmental-friendly principles.
Corporate Secretary Memastikan semua aktivitas terinformasikan kepada semua jajaran pemegang saham, komisaris, BOD dan pegawai bank, dan
masyarakat (aspek keterbukaan).
Ensuring all activities are communicated to all shareholders, commissioners, BOD, and bank employees, and the public
(transparency aspect).
MONITORING, EVALUASI DAN MITIGASI MONITORING, EVALUATION, AND MITIGATION
PROGRAM KEBERLANJUTAN OF SUSTAINABILITY PROGRAMS
Sistem Monitoring Monitoring System
Dalam rangka melakukan monitoring terhadap pelaksanaan In order to monitor the implementation of work programs
program kerja seluruh unit kerja, Bank telah memiliki across all units, the Bank has established several monitoring
sejumlah mekanisme monitoring, antara lain: mechanisms, including:
1. Rapat Dewan Komisaris dan Rapat Dewan Direksi 1. Board of Commissioners and Board of Directors Meetings
Dalam rangka memonitoring perkembangan terkini To monitor the latest developments regarding various
terhadap berbagai program kerja dari seluruh unit kerja work programs from all units and monitor financial and
serta memonitor kinerja keuangan dan non keuangan, non-financial performance, the Bank organizes Board of
Bank menyelenggarakan Rapat Dewan Komisaris dan Commissioners and Directors Meetings as well as Board
Direksi serta Rapat Direksi. Meetings.
2. Performance Management System 2. Performance Management System
Dalam memastikan target bisnis maupun program To ensure that business targets and work programs
kerja selaras dengan visi dan misi Bank, telah terdapat are aligned with the Bank’s vision and mission, there
unit Performance dan Management untuk mengukur is a Performance and Management unit to measure
dan memonitor kinerja bisnis serta memberikan and monitor business performance and provide more
evaluasi yang lebih objektif dan terukur sebagai dasar objective and measurable evaluations as the basis for
pemberian reward dan punishment sehingga karyawan rewarding and punishing, thus motivating employees
lebih termotivasi dalam bekerja. to work more effectively.
3. Business Meeting 3. Business Meetings
Bank melaksanakan pertemuan bisnis secara rutin The Bank holds regular business meetings to monitor
dalam rangka memonitor kinerja unit bisnis dan juga the performance of business units and branches.
cabang.
4. Division Meeting 4. Division Meetings
Bank melaksanakan pertemuan antar divisi secara rutin The Bank holds regular inter-division meetings to
dalam rangka memonitor kinerja seluruh unit kerja Bank monitor the performance of all Bank units and discuss
dan juga membahas permasalahan terkait bisnis dan business-related issues as well as operational matters.
juga operasional.
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Mitigasi Mitigation
Mitigasi yang dilakukan oleh Bank sebagai berikut: The mitigation measures undertaken by the Bank are as
follows:
1. Three Lines of Defense 1. Three Lines of Defense
Bank telah menerapkan system pengendalian internal The Bank has implemented an internal control system that
yang merujuk kepada konsep Three Lines of Defense refers to the concept of Three Lines of Defense in line with
yang sesuai dengan Internal Control Framework yang the Internal Control Framework involving all units.
melibatkan seluruh satuan kerja.
a. First Line of Defense a. First Line of Defense
First Line of Defense dikelola oleh masing-masing The First Line of Defense is managed by each unit
unit atau satuan kerja sesuai dengan fungsi dan or work unit according to their respective functions
tugas masing-masing, sebagai berikut: and duties, as follows:
• Meningkatkan kompetensi keuangan • Enhancing Sustainable Financial competencies
Berkelanjutan dengan edukasi terkait through related Sustainability education.
Sustainability.
• Melakukan identifikasi dan pengukuran kembali • Identifying and re-evaluating key operational
terhadap risiko operasional utama yang risks related to daily tasks and responsibilities.
berkaitan dengan tugas dan tanggung jawab
sehari-hari.
• Peningkatan kontrol dan pelaksanaan tindakan •Improve controls and implement necessary
preventif yang diperlukan agar dampak dan preventive actions to minimize the impact and
frekuensi risiko dapat diminimalisir. frequency of risks.
b. Second Line of Defense b. Second Line of Defense
Second Line of Defense dikelola oleh Risk The Second Line of Defense is managed by Risk
Manajemen dan Compliance sebagai berikut: Management and Compliance as follows:
• Peningkatan fungsi check & balance guna • Enhancing the check & balance function to
mendukung operasi bisnis yang prudent. support prudent business operations.
• Sosialisasi program pengembangan budaya • Socializing risk and compliance culture
risiko dan kepatuhan kepada semua jenjang/ development programs at all organizational
tingkatan organisasi. levels.
• Implementasi Enterprise Risk Management • Implementing Enterprise Risk Management
untuk mengelola risiko secara menyeluruh dan to manage risks comprehensively and in an
terintegrasi. integrated manner.
• Penyempurnaan kebijakan, pedoman, • Enhancing policies, guidelines, procedures, and
prosedur, dan kerangka manajemen risiko yang comprehensive risk management frameworks.
komprehensif.
c. Third Line of Defense c. Third Line of Defense
Third Line of Defense dikelola oleh Internal Audit The Third Line of Defense is managed by Internal
sebagai berikut: Audit as follows:
• Pelaksanaan mekanisme Whistleblowing • Implementing Whistleblowing System
System serta kebijakannya. mechanisms and policies.
• Pelaksanaan review dan sosialisasi/ • Conducting regular reviews and socialization/
refreshment/role play secara berkala untuk refreshment/role plays to enhance risk
meningkatkan budaya sadar risiko (Risk awareness culture and anti-fraud culture.
Awareness) dan budaya anti-fraud (Zero Fraud
& Tolerance).
• Pelaksanaan surprise audit secara berkala • Conducting surprise audits periodically on
terhadap auditee yang tidak termasuk dalam auditees not included in the Annual Audit Work
Rencana Kerja Audit Tahunan. Plan.
2. Manajemen Risiko 2. Risk Management
Bank secara konsisten menerapkan manajemen risiko The Bank consistently applies risk management in
dalam setiap aktivitas usaha termasuk pada aktivitas every business activity, including operational and non-
operasional dan non operasional. operational activities.
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Pengelolaan risiko Bank mencakup 8 (delapan) jenis The Bank’s risk management covers 8 (eight) types of
risiko sesuai dengan ketentuan Otoritas Jasa Keuangan risks as stipulated by the Financial Services Authority as
sebagai berikut: follows:
Perkembangan Profil Risiko berdasarkan Jenis Risiko Bank
Development of Risk Profile by Bank Risk Type
Profil Risiko
2021 2022 September 2023 December 2023
Risk Profile
Risiko Kredit Moderate Moderate Moderate Moderate
Credit Risk
Risiko Pasar Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Market Risk
Risiko Likuiditas Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Liquidity Risk
Risiko Operasional Low Moderate Low to Moderate Low to Moderate Low to Moderate
Operational Risk
Risiko Hukum Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Legal Risk
Risiko Stratejik Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Strategic Risk
Risiko Kepatuhan Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Compliance Risk
Risiko Reputasi Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Reputation Risk
3. Mitigasi Risiko 3. Risk Mitigation
a. Pemetaan Risiko a. Risk Mapping
Tidak berjalannya Aksi Keuangan Berkelanjutan The failure to implement Sustainable Financial
dapat berdampak pada sejumlah risiko yang Actions can have implications for several risks
dikelola Bank. Adapun pemetaan risiko terhadap managed by the Bank. The risk mapping related
penerapan Aksi Keuangan Berkelanjutan sebagai to the implementation of Sustainable Financial
berikut: Actions is as follows:
Jenis Risiko Potensi Risiko
Risk Type Risk Potential
Risiko Kredit Potensi Kegagalan Portofolio Keuangan Berkelanjutan dalam memenuhi kewajibannya pada Bank.
Credit Risk Potential failure of Sustainable Finance Portfolio to fulfill its obligations to the Bank.
Risiko Kepatuhan · Sanksi administratif berupa teguran atau peringatan tertulis bagi Bank yang tidak menerapkan Aksi
Compliance Risk Keuangan Berkelanjutan.
· Berpotensi mempengaruhi nilai Tingkat Kesehatan Bank
· Administrative sanctions in the form of reprimands or written warnings for Banks that do not implement
Sustainable Finance Actions.
· Potentially affecting the Bank's Health Level score
Risiko Stratejik · Pencapaian kinerja Rencana Aksi Keuangan Berkelanjutan
Strategic Risk · Pencapain kinerja penyaluran kredit kepada kegiatan Usaha Kategori Berkelanjutan
· Achievement of Sustainable Finance Action Plan performance
· Achievement of lending performance to Sustainable Category Business activities
Risiko Reputasi · Opini tidak memiliki kepedulian terhadap isu ekonomi berkelanjutan dan isu lingkungan hidup jika Bank
Reputation Risk tidak menerapkan Aksi Keuangan Berkelanjutan
· Reputasi yang menurun di mata Otoritas dikarenakan Bank yang tidak menerapkan Aksi Keuangan
Berkelanjutan akan diberikan sanksi administratif berupa teguran dan peringatan tertulis.
· Opinion does not have a concern for sustainable economic issues and environmental issues if the Bank does
not implement Sustainable Finance Actions
· Decreased reputation in the eyes of the Authority because Banks that do not implement Sustainable
Finance Actions will be given administrative sanctions in the form of warnings and written warnings.
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b. Manajemen Risiko atas Program Aksi Keuangan b. Risk Management of Sustainable Financial Action
Berkelanjutan Programs
Untuk memitigasi potensi risiko Keuangan To mitigate the potential risks associated with
Berkelanjutan tersebut, Bank melakukan: Sustainable Finance, the Bank undertakes the
following measures:
1. Pembentuan Unit Kerja Pengelola Keuangan 1. Establishment of a Sustainable Finance
Berkelanjutan. Management Unit.
2. Mengidentifikasi dan memonitor portofolio 2. Identification and monitoring of the Bank’s
pembiayaan Bank yang menunjang keuangan financing portfolio that supports sustainable
berkelanjutan. finance.
3. Meningkatkan awareness mengenai keuangan 3. Increase awareness of sustainable finance (for
berkelanjutan (untuk karyawan dan nasabah), employees and customers) and implement
implementasi keuangan berkelanjutan pada sustainable finance in the sectors focused on
sektor-sektor industri yang menjadi fokus Bank. by the Bank.
4. Penyusunan Kebijakan berupa Pedoman 4. Formulation of Policies in the form of
Pengelolaan Keuangan Berkelanjutan Sustainable Financial Management Guidelines.
5. Penerapan risk appetite dan risk tolerance 5. Implementation of risk appetite and risk
penyaluran kredit kepada Kegiatan Usaha tolerance in the allocation of credit to
Kategori Berkelanjutan. Sustainable Business Activities.
6. Pengawasan aktif Dewan Komisaris dan 6. Active oversight by the Board of Commissioners
Direksi terhadap penerapa Aksi Keuangan and Directors regarding the implementation of
Berkelanjutan termasuk penyaluran kredit Sustainable Financial Actions, including credit
kepada Kegiatan Usaha Kategori Berkelanjutan. allocation to Sustainable Business Activities.
a. Pemberian kredit harus disetujui oleh komite a. Credit approval must be granted by the
kredit credit committee.
b. Pemberian kredit kepada pihak terkait harus b. Credit granted to related parties must be
disetujui oleh Komisaris approved by the Commissioners.
7. Dewan Komisaris dan Direksi memiliki 7. The Board of Commissioners and Directors
awareness dan pemahaman yang baik have a good awareness of and understanding
mengenai manajemen Risiko Reputasi. Pengurus of reputation risk management. Management
melakukan peran dan tanggung jawab menjadi plays a role and responsibility as a role model
role model dalam rangka meningkatkan citra to enhance the Bank’s image in front of
Bank di hadapan stakeholder. stakeholders.
8. Penanganan setiap berita yang terkait dengan 8. Handling any news related to the Bank and
Bank dan selalu dilakukan klarifikasi agar berita always providing clarification so that (negative)
(yang bersifat negatif) tidak membahayakan news does not harm the Bank’s business.
bisnis Bank.
9. Penetapan RKA dan RBB untuk mencapai target 9. Establishment of RKA and RBB to achieve
yang telah ditentukan. predetermined targets.
10. Penerapan konsistensi dalam menerapkan 10. Consistent application of business strategies,
strategi bisnis, program bisnis, dan produk bisnis business programs, and more comprehensive
yang lebih komprehensif untuk mewujudkan business products to achieve good performance.
kinerja yang baik.
PERMASALAHAN PENERAPAN PROGAM- ISSUES IN THE IMPLEMENTATION OF
PROGRAM KEBERLANJUTAN SUSTAINABILITY PROGRAMS
OK BANK berkomitmen untuk berpartisipasi aktif baik OK BANK is committed to actively participating in both
dalam kegiatan pencapaian pembangunan berkelanjutan sustainable development goals (SDGs) and sustainable
(SDGs) maupun keuangan berkelanjutan. Namun demikian finance activities. However, in fulfilling this commitment,
dalam memenuhi komitmen tersebut terdapat beberapa there are several issues that need to be addressed
permasalahan yang harus diatasi bersama dengan seluruh together with all stakeholders. Based on the identification
pemangku kepentingan. Berdasarkan hasil identifikasi yang
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dijalankan, terdapat permasalahan yang dihadapi dalam results, there are problems faced in the implementation of
penerapan kegiatan berkelanjutan antara lain: sustainable activities, including:
1. Sulitnya UMKM untuk bersaing dengan industri besar 1. The difficulty for SMEs to compete with large industries
menjadikan industri ini memiliki biaya operasi dan causes this industry to have high operating costs and
tingkat risiko cukup tinggi sehingga sulit bagi Bank risks, making it difficult for the Bank to provide financing
untuk menyalurkan pembiayaan tanpa mitigasi risiko without adequate risk mitigation.
yang memadai.
2. Industri menengah dan besar yang dibiayai Bank belum 2. Medium and large industries financed by the Bank
banyak yang memiliki sertifikasi ramah lingkungan dan have not yet obtained many environmental-friendly
konservasi untuk dapat dikategorikan sebagai industri and conservation certifications to be categorized as
berkelanjutan. sustainable industries.
3. Regulasi dan birokrasi pemerintah untuk dukungan 3. Government regulations and bureaucracy to support a
terhadap ekonomi berkelanjutan belum cukup optimal. sustainable economy have not been optimal enough.
Kinerja Aspek Ekonomi dan Inklusi
Keuangan
Economic Performance and Financial Inclusion
OK Bank mendukung pencapaian tujuan keberlanjutan OK Bank supports the achievement of sustainability goals
pada aspek ekonomi melalui perannya dalam meningkatkan in the economic aspect through its role in increasing the
portofolio pembiayaan pada sektor-sektor yang menjadi financing portfolio in sectors that are target markets and
target pasar dan kompetensinya. Bank telah menetapkan competencies. The Bank determined the MSME sector
sektor UMKM menjadi salah satu fokus pembiayaan dalam to be one of its financing focuses in achieving the best
meraih kinerja terbaiknya, selain sektor-sektor lainnya. performance, apart from other sectors.
Bank telah menyusun Rencana Aksi Keuangan Berkelanjutan The Bank prepared a Sustainable Financial Action Plan
(RAKB). Dalam RAKB tersebut, Bank berupaya menyelaraskan (RAKB). In the e Sustainable Finance Action Plan, the
kinerja tiga aspek keberlanjutan, yakni triple bottom line, Bank seeks to harmonize the three sustainability aspects
yang terdiri dari profit (ekonomi), people (sosial), dan planet performance, namely the triple bottom line, which
(lingkungan) sebagai landasan komitmen berkelanjutan consists of profit (economic), people (social) and planet
yang akan diterapkan Bank dalam berkontribusi nyata bagi (environment) as the basis for a sustainable commitment
tercapainya berbagai tujuan pembangunan berkelanjutan. to be applied in actualizing the real contribution to
Pada aspek ekonomi, Bank berkontribusi dengan achieving various development in sustainable goals. In
meningkatkan portofolio pembiayaan, menjaga kualitas the economic aspect, the Bank contributes by increasing
portofolio pembiayaan/kredit yang diberikan, meraih the financing portfolio, maintaining the quality of the
pendapatan terbaik dan mendistribusikan perolehan nilai financing/credit portfolio provided, achieving the best
ekonomi kepada para pemangku kepentingan. income and distributing economic value achievement to
the stakeholders.
Pada tahun 2023, OK BANK membukukan penyaluran kredit In 2023, OK BANK recorded credit distribution of Rp8,527.88
sebesar Rp8.527,88 miliar, naik 5,75% dibandingkan tahun billion, increased by 5.75% compared to 2022 which were
2022 yang sebesar Rp8.064,12 miliar. Total aset Bank pada Rp8,064.12 billion. The Bank recorded total assets in 2023
tahun 2023 tercatat sebesar Rp11.075,15 miliar, meningkat at Rp11,075.15 billion, increased by 8.76% from the previous
8,76% dari tahun sebelumnya yang sebesar Rp10.183,41 year which amounted to Rp10,183.41 billion. As for Third
miliar. Adapun untuk Dana Pihak Ketiga (DPK), Bank Party Funds (DPK), the Bank was able to collect customer
mampu menghimpun dana nasabah mencapai nilai sebesar funds reaching Rp6,069.75 billion, increased by 13.06% from
Rp6.069,75 miliar, naik 13,06% dari Rp5,368.61 miliar di tahun Rp5,368.61 billion in 2022.
2022.
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Bank juga mampu mencatatkan Laba Bersih setelah Pajak The Bank was also able to record the Net Profit after Tax of
sebesar Rp28,65 miliar pada tahun 2023 naik 116,89% Rp28.65 billion in 2023, an increase of 116.89% compared to
dibandingkan tahun sebelumnya 2022 yang mencatatkan 2022 which recorded Profit after Tax of Rp13.21 billion. Net
Laba setelah Pajak sebesar Rp13,21 miliar. Laba bersih profit after tax was increased mainly contributed by the
setelah pajak tersebut meningkat terutama dikontribusikan increase in the value of interest income which was much
oleh naiknya nilai pendapatan bunga yang jauh lebih besar greater than the increase in interest expense, so that the
dari kenaikan beban bunga, sehingga Bank mencatatkan Bank recorded a quite large increase in the value of net
nilai pendapatan bunga bersih yang meningkat cukup interest margin. The bank also increased total reserves to
besar. Bank juga meningkatkan jumlah nilai pencadangan Rp217.32 billion.
hingga sebesar Rp217,32 miliar.
Bank akan tetap berkomitmen untuk berupaya The Bank is going to remain committed to improving
meningkatkan profitabilitas ke depannya dan juga profitability in the future and also contributing to the
berkontribusi terhadap program keuangan berkelanjutan. sustainable financial programs. The Bank’s Capital Adequacy
Rasio Kecukupan Modal (CAR) Bank mengalami sedikit Ratio (CAR) slightly decreased in 2023 amounting to 49.22%
penurunan di tahun 2023 sebesar 49,22% dibandingkan compared to the CAR ratio in 2022 which was 47.67%, due
rasio CAR di tahun 2022 yang sebesar 47,67%, disebabkan to limited bank credit expansion, while the Net Interest
ekspansi kredit Bank yang terbatas, sedangkan untuk rasio Margin (NIM) ratio was recorded at 5 .87% at the end of
Net Interest Margin (NIM) tercatat sebesar 5,87% pada 2023, an increase from the position at the end of 2022,
akhir tahun 2023 meningkat dari posisi akhir tahun 2022, which was 5.68%.
yang sebesar 5,68%.
NILAI EKONOMI YANG DITERIMA DAN ECONOMIC VALUE RECEIVED AND DISTRIBUTED
DIDISTRIBUSIKAN
Perbaikan kinerja keuangan tersebut membuat Bank Financial performance improvement brought the Bank
mencatatkan kenaikan nilai ekonomi yang diterima, managed to record increase in the economic value
selain juga mencatatkan kenaikan nilai ekonomi yang received as well as in the economic value distributed to
didistribusikan kepada para pemangku kepentingan. Hal ini the stakeholders. This also means that the Bank has realized
juga berarti Bank telah mewujudkan komitmennya untuk its commitment to contributing to the socio-economic
turut mensejahterakan kehidupan sosial ekonomi para life welfare of its stakeholders, as manifestation of the
pemangku kepentingan, sebagai salah satu wujud tujuan sustainability goals.
keberlanjutan.
Tabel Perolehan Nilai Ekonomi dan Distribusi Nilai Ekonomi
Table of Economic Value Acquisition and Economic Value
Distribution
Periode Pelaporan
Uraian Reporting Period
Description
2023 2022 2021
I. Nilai Ekonomi Langung yang Diterima
Direct Economic Value Received
Pendapatan Bunga 1.000.383 701.980 526.345
Interest Income
Pendapatan Operasional Lainnya 16.948 10.436 13.191
Other Operating Income
Jumlah Nilai Ekonomi yang Diterima 1.017.331 712.416 539.536
Total Economic Value Received
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Periode Pelaporan
Uraian Reporting Period
Description
2023 2022 2021
II. Nilai Ekonomi yang Didistribusikan
Distributed Economic Value
Beban Bunga (397.023) (234.938) (205.176)
Interest Expense
Beban Operasional Lainnya (583.140) (458.020) (309.005)
Other Operating Expenses
Pembayaran kepada penyandang dana (pembayaran dividen) - - -
Payment to the Funders (dividend payment)
Pembayaran kepada Pemerintah (pajak, retribusi dan lain-lain) (8.420) (6.076) (8.368)
Payment to the Government (tax, retribution, and others)
Jumlah Nilai Ekonomi yang Didistribusikan (988.583) (699.034) (522.549)
Total Distributed Economic Value
III. Nilai Ekonomi yang Ditahan
Detained Economic Value
Jumlah Nilai Ekonomi yang Ditahan 28.748 13.382 16.988
Total Detained Economic Value
PORTOFOLIO KREDIT DAN KUALITAS PINJAMAN CREDIT PORTFOLIO AND LOAN QUALITY
Portofolio usaha Bank meliputi kegiatan pinjaman dan The Bank’s business portfolio includes loan and savings
simpanan. Bank berupaya untuk terus meningkatkan activities. The Bank strives to keep increasing the portfolio
pertumbuhan portofolio dan menjaga kualitas pinjaman growth and maintaining the loan quality as a basis for
sebagai dasar bagi pengembangan skala usahanya. Untuk business scale development. To achieve quality business
mencapai pertumbuhan skala usaha yang berkualitas scale growth, the Bank implements prudent strategies and
Bank menerapkan strategi dan kebijakan yang prudent policies in overcoming growing challenges in the banking
dalam mengatasi tantangan yang berkembang di lingkup industry, and always ensures the capability to provide the
industri perbankan, serta senantiasa mempastikan best services for the customers. The Bank evaluates the
mampu memberikan pelayanan yang terbaik kepada para credit performance and ensures that quality maintenance
nasabahnya. Bank menjalankan evaluasi kinerja pemberian of its productive assets is the responsibility of related
kredit dan memastikan penjaggan kualitas aktiva produktif work units such as the business unit, credit unit and risk
yang dimilikan menjadi tanggung jawab unit-unit kerja management unit. The Bank also ensures that each work
terkait seperti unit bisnis, unit kredit dan unit manajemen unit works with high dedication and is accountable to the
risiko. Bank juga memastikan bahwan masing masing unit Board of Directors.
kerja bekerja dengan dedikasi yang tinggi, dan bertanggung
jawab kepada Direksi.
PEMBERIAN KREDIT BERDASARKAN SEKTOR GRANTING CREDIT BASED ON ECONOMIC
EKONOMI SECTOR
Portofolio Kredit Berdasarkan Sektor dan Kategori Credit Portfolio Based on Sector and Category
Bank turut mendukung pencapaian tujuan pembangunan The Bank also supports the achievement of national
nasional sekaligus mendukung pencapaian tujuan development goals while supporting the achievement
keberlanjutan pada aspek ekonomi, antara lain melalui of sustainability goals in the economic aspect, including
penyaluran kredit produktif bagi debitur-debitur di through the distribution of productive credit to the debtors
berbagai segmen usaha dan sektor ekonomi. Penyaluran in various business segments and economic sectors. Credit
kredit untuk debitur non- individual dimulai dari segmen distribution to non-individual debtors starts from the
Usaha Mikro Kecil dan Menengah (UMKM) hingga korporasi Micro, Small and Medium Enterprises (MSME) segment to
yang merupakan salah satu fokus layanan Bank. Nilai corporations, which is one of the Bank’s service focuses.
jangka panjang dari kegiatan penyaluran kredit tersebut The long-term value of these credit distribution activities
adalah pertumbuhan kredit yang berkesinambungan pada is sustainable credit growth in the Bank’s main segments.
segmen-segmen utama Bank.
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Tabel Pemberian Kredit Berdasarkan Sektor Ekonomi
Table of Loan by Economic Sector (Rp jutaan I Rp million)
Pertumbuhan 2023
2023 2022 2021
Uraian Growth 2023
Description Persentase
Nominal Nominal Nominal Nominal
Persentage
Perdagangan besar dan eceran, reparasi dan perawatan mobil, 1.948.510 962.012 959.839 986.498 102,55%
dan sepeda motor
Wholesale and retail trade, repair and maintenance of cars, and
motorcycles
Rumah tangga 974.342 850.118 304.499 124.224 14,61%
Household
Industri pengolahan 1.582.777 1.451.836 842.577 130.941 9,02%
Processing industry
Pengangkutan dan pergudangan 86.611 44.868 103.384 41.743 93,04%
Transportation and warehousing
Konstruksi 277.644 307.476 412.650 (29.832) -9,70%
Construction
Aktivitas penyewaan dan sewa guna usaha tanpa hak opsi, 178.634 358.335 318.263 (179.701) -50,15%
ketenagakerjaan, agen perjalanan, dan penunjang usaha lainnya
Rental and leasing activities without option rights, employment,
travel agencies, and other business supports
Real estate 272.069 476.623 778.229 (204.554) -42,92%
Aktivitas keuangan dan asuransi 1.482.846 1.918.603 686.657 (435.757) -22,71%
Financial and insurance activities
Aktivitas kesehatan manusia dan aktivitas sosial 214.008 330.826 271.482 (116.818) -35,31%
Human health and social activities
Pendidikan 13.440 23.419 26.680 (9.979) -42,61%
Education
Aktivitas profesional, ilmiah, dan teknis 254.636 261.927 51.764 (7.291) -2,78%
Professional, scientific, and technical activities
Pertambangan dan penggalian 28.368 62.245 124.831 (33.877) -54,43%
Mining and quarrying
Penyediaan akomodasi dan penyediaan makan minum 747.301 462.608 308.888 284.693 61,54%
Accommodation and food and beverage services
Informasi dan komunikasi 113.624 62.299 123.981 51.325 82,38%
Information and communication
Aktivitas jasa lainnya 321.979 436.656 171.977 (114.677) -26,26%
Other service activities
Pertanian, kehutanan, dan perikanan 17.508 6.775 30.399 10.733 158,42%
Agriculture, forestry, and fishing
Kesenian, Hiburan, dan Rekreasi 13.586 2.674 3.088 10.912 408,08%
Arts, entertainment, and recreation
Pengadaan listrik, gas, uap/air panas dan udara dingin - 44.822 - (44.822) -100,00%
Procurement of electricity, gas, steam/hot water and cold air
Total Outstanding Kredit 8.527.883 8.064.122 5.519.188 463.761 5,75%
Total Outstanding Loans
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Tabel Pemberian Kredit Berdasarkan Segmen Penggunaan
Table of Loan by Usage Segment (Rp jutaan I Rp million)
Pertumbuhan 2023
2023 2022 2021
Uraian Growth 2023
Description Persentase
Nominal Nominal Nominal Nominal
Persentage
Modal Kerja 5.422.468 5.216.865 3.648.759 205.603 3,94%
Working Capital
Investasi 1.785.956 1.760.564 1.565.931 25.392 1,44%
Investment
Konsumsi 1.099.042 839.290 304.361 259.752 30,95%
Consumption
Sindikasi 207.537 236.576 0 (29.039) -12,27%
Syndication
Karyawan 12.878 10.828 138 2.050 18,93%
Employee
Jumlah Bruto | Gross Amount 8.527.881 8.064.123 5.519.189 463.758 5,75%
NON-PERFORMING LOAN (NPL) NON-PERFORMING LOANS (NPL)
Tingginya suku bunga dan pelemahan pertumbuhan High interest rates and weakening national economic
perekonomian nasional akibat berkepanjangannya konflik growth due to the prolonged geopolitical conflict brought
geopolitik memberi dampak terhadap rasio pinjaman impacts on the non-performing loan ratio. OK BANK’s Non-
bermasalah. Posisi Non-Performing Loan (NPL) OK BANK Performing Loan (NPL) position for the period December 31,
periode 31 Desember 2023, tercatat sebesar 3,80% (gross) 2023 was recorded at 3.80% (gross) and 2.30% (net) while
dan 2,30% (net) sedangkan pada periode 31 Desember 2022 for the period December 31, 2022 it was 2.75% (gross) and
adalah sebesar 2,75% (gross) dan 2,06% (net), mencerminkan 2.06% (net), reflecting OK BANK’s prudence in distributing
kehati-hatian OK BANK dalam menyalurkan kredit. Adapun loan. The Capital Adequacy Ratio (CAR) is still highly
Capital Adequacy Ratio (CAR) masih sangat mencukupi sufficient to minimize the risk of non-performing loans.
untuk meminimalisir risiko dari pinjaman bermasalah.
RANTAI PASOKAN DAN PRAKTIK PENGADAAN SUPPLY CHAIN AND PROCUREMENT PRACTICES
Kegiatan operasional OK BANK tidak akan berjalan dengan OK Bank’s operational activities are not going to run well
baik, apabila tidak didukung oleh keberadaan para mitra without supports by the existence of reliable partners
pemasok barang maupun jasa yang handal, yang senantiasa supplying goods and services, who always supply the
mensupplai kebutuhan barang dan jasa pendukung needs for goods and supporting services with excellent
dengan kualitas prima dan tepat waktu. Para pemasok ini quality and on time. These suppliers can even affect the
bahkan dapat mempengaruhi naba baik Bank, jika kualitas Bank’s good profits, in the event the quality of the goods
barang maupun jasa yang disediakan kurang berkualitas. and services provided are poor quality. Therefore, the
Oleh karenanya, Bank menilai rantai pasokan dan praktik Bank considers supply chain and procurement practices
pengadaan menjadi topik yang perlu diungkapkan dalam to be topics needed to be disclosed in this sustainability
laporan keberlanjutan ini karena berpengaruh nyata pada report due to its real influence on OK BANK’s operational
proses operasional OK BANK. processes.
Dalam merespons kepentingan dan harapan dari para In responding to the suppliers interests and expectations,
pemasok, OK BANK menjalankan pendekatan melalui OK BANK implements an approach through supplier
survei kepuasan pemasok. Bank juga memproses pemilihan satisfaction surveys. The Bank also processes supplier
pemasok secara transparan serta adil, serta melakukan selection in a transparent and fair manner, as well as carries
evaluasi secara berkala dengan bertanggung jawab out periodic evaluations responsibly based on the points of
berdasarkan butir-butir perjanjian pemasokan yang telah the mutually agreed supply agreement. OK BANK expects
disepakati bersama. OK BANK mengharapkan terciptanya to create a clean and high quality long-term cooperative
hubungan kerja sama dalam jangka panjang yang bersih relationship. Therefore, in the process of procuring goods
dan berkualitas. Oleh karenanya dalam proses pengadaan and services, the Bank prioritizes procurement principles
barang dan jasa, Bank mengedepankan prinsip serta etika and ethics, namely Efficient, Effective, Competitive,
pengadaan, yaitu Efisien, Efektif, Kompetitif, Transparan, Transparent, Fair, and Reasonable. The following are tables
Adil, dan Wajar. Berikut adalah tabel-tabel data pemasok of OK BANK’s supplier data in the last three years.
OK BANK dalam tiga tahun terakhir.
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Jumlah Pemasok dan Nilai Pasokan menurut Lokasi Geografis
Number of Suppliers and Value of Supply by Geographic Location
Lokasi Geografis Jumlah Pemasok Barang dan Jasa Nilai Kontrak Pekerjaan (Juta Rupiah)
Pemasok Number of Suppliers of Goods and Services Work Contract Value (Million Rupiah)
Supplier Geographic
Location 2023 2022 2021 2023 2022 2021
Nasional 16 9 17 767.169.635 921.407.941 1.650.833.303
National
Internasional N/A N/A N/A N/A N/A N/A
International
Jumlah 16 9 17 767.169.635 921.407.941 1.650.833.303
Total
Jumlah Pemasok Barang dan Nilai Pasokan Barang
Number of Goods Suppliers and Value of Goods Supply
Lokasi Geografis Pemasok Jumlah Pemasok Barang dan Jasa Nilai Kontrak Pekerjaan (Juta Rupiah)
Supplier Geographic Number of Suppliers of Goods and Services Work Contract Value (Million Rupiah)
Location 2023 2022 2021 2023 2022 2021
Nasional 17 17 28 1.279.483.744 1.284.904.897 1.192.490.657
National
Internasional N/A N/A N/A N/A N/A N/A
International
Jumlah 17 17 28 1.279.483.744 1.284.904.897 1.192.490.657
Total
Jumlah Pemasok Jasa dan Nilai Pasokan Jasa
Number of Services Suppliers and Value of Services Supply
Lokasi Geografis Pemasok Jumlah Pemasok Barang dan Jasa Nilai Kontrak Pekerjaan (Juta Rupiah)
Supplier Geographic Number of Suppliers of Goods and Services Work Contract Value (Million Rupiah)
Location 2023 2022 2021 2023 2022 2021
Nasional 22 18 21 9.808.792.649 7.107.717.299 4.668.746020
National
Internasional N/A N/A N/A N/A N/A N/A
International
Jumlah 22 18 21 9.808.792.649 7.107.717.299 4.668.746020
Total
DAMPAK EKONOMI TIDAK LANGSUNG INDIRECT ECONOMIC IMPACT
Bank senantiasa memberikan perhatian terhadap kondisi The Bank always pays attention to the socio-economic
sosial ekonomi dan kesejahteraan masyarakat. Hal ini conditions and community welfare. This is proven
dibuktikan melalui aktivitas tanggung jawab sosial di bidang through social responsibility activities in the fields of
inklusi dan literasi keuangan. Hal ini juga sejalan dengan financial inclusion and literacy. This is also in line with the
penerapan program-program keuangan berkelanjutan implementation of the Bank’s sustainable finance programs
Bank pada aspek ekonomi yang dijalankan dengan tujuan in economic aspects applied with the purpose of increasing
meningkatkan pertumbuhan ekonomi yang inklusif dan inclusive and sustainable economic growth.
berkelanjutan.
Program inklusi dan literasi keuangan unggulan yang The Bank launched and applies superior financial inclusion
diluncurkan oleh Bank dijalankan melalui berbagai forum and literacy program through various forums such as
seperti sosialisasi, pertemuan tatap muka maupun webinar. outreach, face-to-face meetings and webinars. All of these
Seluruh kegiatan tersebut dimaksudkan sebagai forum activities are intended as an educational forum for the
edukasi pengenalan mengenai produk, layanan, dan introduction of banking products, services and transactions
transaksi perbankan serta manfaatnya bagi kehidupan and their benefits for their socio-economic life and welfare.
sosial ekonomi dan kesejahteraan mereka.
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Program Inklusi dan Literasi Keuangan Financial Inclusion and Literacy Program
OK Bank secara konsisten menjalankan program inklusi OK Bank consistently carries out financial inclusion and
dan literasi keuangan sebagai wujud komitmen dukungan literacy programs as its commitment to supporting the
pelaksanaan program inklusi dan literasi keuangan yang implementation of financial inclusion and literacy programs
dicanangkan oleh Pemerintah. launched by the Government.
Program Inklusi Keuangan Financial Inclusion Program
Untuk tahun 2023, OK BANK menjalankan 2 (dua) kali For 2023, OK BANK organized 2 (two) financial inclusion
kegiatan inklusi keuangan. Kegiatan Inklusi Keuangan yang activities. The first Financial Inclusion Activity was held on
pertama diadakan pada hari Kamis, 15 Juni 2023. Thursday, June 15, 2023.
Kegiatan ini dilaksanakan dengan tujuan memperkenalkan This activity was purposed to introduce savings products at
produk-produk tabungan yang ada di OK BANK kepada OK BANK to parents of students from the Lorenz Baseball
orang tua murid dari Lorenz Baseball Club. Penjelasan Club. Mrs. Natalia Budiman as Head of Funding Division
mengenai pengenalan produk diberikan oleh Ibu explained regarding product introduction. There were 30
Natalia Budiman selaku Head Division Funding. Peserta participants in this Financial Inclusion activity. Furthermore,
dari kegiatan Inklusi Keuangan ini berjumlah 30 orang. starting from Thursday June 22, 2023 to Friday June 23, 2023,
Selanjutnya mulai hari Kamis 22 Juni 2023 sampai dengan OK BANK opened a booth at the Lorenz National Baseball
Jumat 23 Juni 2023, pihak OK BANK akan membuka booth Championship event. By opening this booth, the Bank was
pada acara Lorenz National Baseball Championship. Melalui able to find out how many people opened accounts at OK
pembukaan booth tersebut Bank akan dapat mengetahui BANK after the Financial Inclusion activities were carried
berapa banyak orang yang membuka rekening di OK BANK out.
setelah kegiatan Inklusi Keuangan dilakukan.
Kegiatan Inklusi Keuangan yang kedua diadakan pada hari The second Financial Inclusion activity was held on
Senin, 16 Oktober 2023. Kegiatan ini dilakukan di PT TK Monday, 16 October 2023. This activity was carried out
Industrial Indonesia dengan tema “Solusi Kesejahteraan at PT TK Industrial Indonesia with the theme “Employee
Karyawan”. Kegiatan ini bertujuan untuk memperkanlkan Welfare Solutions”. This activity purposed to introduce
produk pinjaman (KTA) kepada karyawan di PT TK Industrial loan products (KTA) to the employees at PT TK Industrial
Indonesia. Indonesia.
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Literasi Keuangan Financial Literacy
Pada tahun 2023, OK BANK melakukan 2 (dua) kali kegiatan In 2023, OK BANK performed 2 (two) Financial Education
Literasi Edukasi Keuangan. Tema “Ayo Menabung”. Kegiatan Literacy activities with the theme “Let’s Save”. This activity
tersebut dihadiri oleh Mr Kim Tae Seob selaku Head Division was attended by Mr. Kim Tae Seob as Head of Marketing
Marketing Communication dan Ibu Deasy Wulaningsih Communication Division and Mrs. Deasy Wulaningsih as
selaku Head Division Finance. Kegiatan Literasi Edukasi Head of Finance Division. This Financial Education Literacy
Keuangan ini diikuti oleh 35 orang siswa dan/atau siswi activity was participated by 35 students of SDN 05 Pagi
SDN 05 Pagi Cijantung dengan didampingi oleh Ibu Esti Cijantung accompanied by Mrs. Esti Wulandari as the
Wulandari selaku Kepala Sekolah beserta Ibu Noni Lestari Principal along with Mrs. Noni Lestari and Mr. Bazlul Juhdi
dan Bapak Bazlul Juhdi selaku Wali Kelas 5A dan 5B. Siswa as the Teacher of 5A and 5B Class. The students received
dan/atau siswi yang hadir mendapatkan materi dengan material with the theme “Let’s Save” which was delivered
tema “Ayo Menabung” yang disampaikan oleh Lauditta dari by Lauditta from the Marketing Communication Division.
Divisi Marketing Communication. Tema ini dipilih dengan This theme was chosen with the aim of providing education
tujuan untuk memberikan edukasi kepada siswa dan/atau to the students regarding the importance of saving from
siswi mengenai pentingnya menabung sejak dini. an early age.
Setelah pemberian materi disampaikan, siswa dan/atau After the material is delivered, students are allowed to
siswi diperkenankan untuk bertanya maupun menjawab ask or answer questions given by the material provider.
pertanyaan yang diberikan oleh pemberi materi. Setelah sesi After the question and answer session, the series of
tanya jawab rangkaian acara dilanjutkan dengan pemberian events continued with giving a goodie bag to one of the
goodie bag kepada salah satu perwakilan peserta yang participant representatives which was given by Mr. Kim Tae
diberikan oleh Mr. Kim Tae Seob dan dilanjutkan dengan Seob and continued with giving souvenirs by Mrs. Deasy
pemberian cinderamata oleh Ibu Deasy Wulaningsih Wulaningsih to Mrs Estie Wulandari as the Principal of SDN
kepada Ibu Estie Wulandari selaku Kepala Sekolah SDN 05 05 Pagi Cijantung.
Pagi Cijantung.
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Kegiatan Literasi Edukasi Keuangan yang kedua, diadakan The second Financial Education Literacy Activity was held
pada hari Rabu, 4 Oktober 2023, dengan mengangkat on Wednesday, October 4, 2023, with the theme “Let’s Learn
tema “Ayo Belajar Mengatur Keuangan”. Kegiatan tersebut to Manage Finances”. This activity was attended by Mr. Kim
dihadiri oleh Mr. Kim Tae Seob selaku Head Division Tae Seob as Head of Marketing Communication Division.
Marketing Communication. Kegiatan Literasi Edukasi This Financial Education Literacy activity was attended
Keuangan ini diikuti oleh 35 orang siswa dan/atau siswi by 35 students of SDN 05 Pagi Cijantung accompanied by
SDN 05 Pagi Cijantung dengan didampingi oleh Ibu Esti Mrs. Esti Wulandari as the Principal. The students received
Wulandari selaku Kepala Sekolah. Siswa dan/atau siswi material with the theme “Let’s Learn to Manage Finances”
yang hadir mendapatkan materi dengan tema “Ayo Belajar which was delivered by Lauditta from the Marketing
Mengatur Keuangan” yang disampaikan oleh Lauditta dari Communication Division and Lady Diana from the Funding
Divisi Marketing Communication dan Lady Diana dari Divisi Division.
Funding.
Tema ini dipilih dengan tujuan untuk memberikan edukasi This theme was chosen with the aim of providing education
kepada siswa dan/atau siswi mengenai pentingnya to the students regarding the importance of learning to
belajar mengatur keuangan sejak dini. Kegiatan Literasi manage finances from an early age. This Financial Education
Edukasi Keuangan ini juga merupakan kegiatan lanjutan Literacy activity was also a follow-up activity to the
dari kegiatan sebelumnya yang mengusung tema “Ayo previous activity which carried the theme “Let’s Save”. In
Menabung”. Pada kegiatan sebelumnya, para siswa dan/ the previous activity, students were given 1 piggy bank
atau siswi diberikan 1 buah celengan yang akan digunakan which would be used for saving, and in today’s activity
untuk menabung, dan pada kegiatan yang dilakukan hari the students and/or female students together opened and
ini para siswa dan/atau siswi bersama-sama membuka dan counted the savings they had saved over the past 4 months.
menghitung hasil tabungan yang telah ditabung selama 4
bulan kebelakang.
Setelah sesi tanya jawab rangkaian acara dilanjutkan After the question and answer session, the series of events
dengan membukan dan menghitung secara bersama-sama continued with opening and calculating together the
hasil dari tabungan selama 4 bulan kebelakang. Setelah results of savings for the past 4 months. After that, the
itu acara dilanjutkan dengan mengumumkan 3 orang event continued by announcing the 3 winners with the
pemenang dengan total tabungan terbanyak. Pemberian highest total savings. The prizes were given by Mr. Kim
hadiah diberikan oleh Mr. Kim Tae Seob kepada pemenang Tae Seob was the first winner, Mrs. Esti Wulandari was
pertama, Ibu Esti Wulandari kepada pemenang kedua, the second winner, and Mrs. Lady Diana was the third
dan Ibu Lady Diana kepada pemenang ketiga. Setelah winner. After distributing prizes to the winners, the event
pembagian hadiah untuk para pemenang, acara dilanjutkan continued with giving souvenirs to the school in the form of
dengan pemberian Cinderamata untuk sekolah berupa 2 2 printers given by Mr. Kim Tae Seob to Mrs. Esti Wulandari
buah printer yang diberikan oleh Mr. Kim Tae Seob kepada as Principal of SDN 05 Pagi Cijantung.
Ibu Esti Wulandari selaku Kepala Sekolah SDN 05 Pagi
Cijantung.
Setelah itu acara dilanjutkan dengan pemberian goodiebag Furthermore, the event continued with the giving of
kepada salah satu perwakilan peserta yang diberikan oleh goodie bags to one of the participant representatives
Mr. Kim Tae Seob dan pembagian makan siang kepada given by Mr. Kim Tae Seob and the distribution of lunch to
seluruh peserta Kegiatan Literasi Edukasi Keuangan. all participants in the Financial Education Literacy Activity.
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Kinerja Lingkungan Hidup
Berkelanjutan
Sustainable Environmental Performance
KEBIJAKAN UMUM ASPEK LINGKUNGAN GENERAL POLICY ON ENVIRONMENTAL ASPECTS
Sebagai salah satu perusahaan yang bergerak di industri As one of the companies engaged in the banking services
jasa perbankan, kegiatan operasional OK BANK sejatinya industry, OK BANK's operational activities do not directly
tidak bersinggungan secara langsung dengan perubahan intersect with changes in environmental conditions,
kondisi lingkungan hidup, juga tidak berdampak signifikan nor do they have a significant impact on environmental
terhadap kelestarian lingkungan hidup. Dampak negatif sustainability. The negative impact caused by the Bank's
yang ditimbulkan dari operasional Bank terhadap kondisi operations on environmental conditions is also relatively
lingkungan juga relatif kecil. Namun demikian, OK BANK small. Nevertheless, OK BANK has great concern for efforts
memiliki kepedulian yang besar terhadap upaya menjaga to maintain sustainability and improve the quality of the
kelestaraian dan meningkatkan kualitas lingkungan hidup environment around its operational activities, in particular,
di sekitar kegiatan operasional, khususnya dan di sekitar and around the national region in general.
wilayah nasional umumnya.
Oleh karenanya OK BANK senantiasa berupaya untuk terus Therefore, OK BANK continuously strives to minimize the
menekan dampak yang ditimbulkan dari operasional Bank impact of its operations on the environment. The Bank
terhadap lingkungan. Bank juga berupaya mendukung also strives to support efforts made with fellow banking
upaya yang dilakukan bersama sesama pelaku industri industry players, industry players in general, and customers
perbankan, pelaku industri secara umum, maupun in achieving various sustainability goals in environmental
bersama para nasabah dalam mencapai berbagai tujuan aspects.
keberlanjutan pada aspek lingkungan.
Pemerintah Indonesia, dalam hal ini Kementerian Lingkungan The Indonesian government, in this case the Ministry of
Hidup, Bank Indonesia dan OJK telah mencanangkan sistem Environment, Bank Indonesia, and OJK, have launched
ekonomi yang semakin ramah lingkungan dan ramah bagi a more environmentally friendly and climate-friendly
iklim (green economy) dengan mengeluarkan Undang- economic system (green economy) by issuing Law
Undang Nomor 32 tahun 2009 tentang Perlindungan dan Number 32 of 2009 on the Protection and Management
Pengelolaan Lingkungan Hidup, dan mewajibkan semua of the Environment, which requires all economic actors to
pelaku ekonomi untuk mematuhinya dalam rangka menjaga comply with it to preserve and improve the quality of the
kelestarian dan meningkatkan kualitas lingkungan hidup environment in the long term and sustainably. In 2017, the
dalam jangka panjang dan berkesinambungan. OJK pada OJK issued 51/POJK.03/2017, which requires all issuers and
tahun 2017 kemudian mengeluarkan 51/POJK.03/2017 yang financial industry actors in Indonesia to submit a Sustainable
mewajibkan seluruh emiten dan pelaku industri keuangan Finance Action Plan (RAKB) and submit the implementation
di Indonesia menyampaikan Rencana Aksi Keuangan of the program and its results in a Sustainability Report,
Berkelanjutan (RAKB) dan menyampaikan pelaksnaan which can be presented separately or in one unit with
program dan hasilnya dalam Laporan Keberlanjutan yang the Annual Report as stated in SEOJK 16/2021. OK BANK is
dapat disajikan secara terpisah maupun dalam satu kesatuan fully committed to complying with these provisions and
dengan Laporan Tahunan sebagaimana disampaikan dalam reporting the realization of programs in the RAKB, as well
SEOJK 16/2021. OK BANK berkomitmen penuh untuk as programs to support the preservation and improvement
mematuhi ketentuan tersebut dan melaporkan realisasi of environmental quality.
program-program dalam RAKB maupun program dukungan
kelestarian dan peningkatan kualitas lingkungan hidup.
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Kebijakan Aspek Perlindungan Lingkungan Policy on Environmental Protection Aspects
OK Bank belum memiliki kebijakan internal khusus yang OK Bank does not have a specific internal policy issued in
dikeluarkan dalam rangka mendukung pencapaian order to support the achievement of sustainability goals
tujuan keberlanjutan pada aspek lingkungan. Namun in environmental aspects. However, the Bank continuously
demikian Bank senantiasa berupaya mematuhi peraturan strives to comply with applicable environmental laws
perundangan pada aspek lingkungan yang berlaku dalam and regulations in carrying out operational activities and
menjalankan kegiatan operasional dan berinteraksi dengan interacting with customers and prospective customers.
para nasabah maupun calon nasabah.
Target Kegiatan terkait Aspek Lingkungan Target Activities related to Environmental Aspects
OK Bank merealisasikan program pembiayaan ramah OK Bank realizes environmentally friendly financing
lingkungan dan program operasi ramah lingkungan dengan and operation programs by referring to various related
mengacu pada berbagai sistim prosedur operasional terkait. operational procedures. These programs lead to several
Program-program tersebut bermuara pada beberapa tujuan objectives in the environmental aspect, namely:
pada aspek bidang lingkungan, yakni:
• Menunjukan partisipasi pada upaya konservasi energi, • Demonstrating participation in energy conservation,
konservasi air dan reduksi emisi gas rumah kaca. water conservation, and greenhouse gas emission
reduction efforts.
• Meningkatnya efisiensi operasional sebagai hasil positif • Increased operational efficiency as a positive result of
dari penerapan program operasional ramah lingkungan. implementing environmentally friendly operational
programs.
PROGRAM-PROGRAM PENGELOLAAN ENVIRONMENTAL MANAGEMENT PROGRAMS
LINGKUNGAN YANG DIJALANKAN
Penggunaan Materi dan Produk Ramah Lingkungan Use of Environmentally Friendly Materials and Products
Suatu materi maupun produk disebut ramah lingkungan Materials and products are called environmentally friendly
didasarkan pada bahan yang dikandungnya, cara mereka based on the materials they contain as well as how they are
diproduksi, dikemas, didistribusikan, dan bagaimana produced, packaged, distributed, and used. A material or
mereka digunakan. Suatu materi atau produk dapat product can be considered environmentally friendly if it is
dikatakan ramah lingkungan apabila mataeri atau produk processed by utilizing materials that do not contain harmful
tersebut diproses dengan memanfaatkan bahan-bahan chemicals that can pollute the environment.
yang tidak mengandung bahan kimiawi berbahaya yang
dapat mencemari lingkungan.
Produk ramah lingkungan biasanya mempromosikan Eco-friendly products usually promote a green life cycle or
metode daur hidup hijau atau manufaktur hijau yang green manufacturing methods that reduce the amount or
mengurangi jumlah atau jenis sumber daya yang digunakan. type of resources used. Eco-friendly products also generally
Produk ramah lingkungan umumnya juga memanfaatkan utilize recyclable materials, thus reducing pollution in
bahan yang dapat didaur ulang sehingga dapat mengurangi nature. In summary, eco-friendly products are products that
polusi di alam. Singkatnya produk ramah lingkungan help nurture the earth, not destroy it.
merupakan produk yang membantu merawat bumi, bukan
merusaknya.
OK Bank mendukung secara penuh penggunaan produk- OK Bank fully supports the use of environmentally friendly
produk ramah lingkungan dan re-usable dalam kegiatan and reusable products in its operations, including the use
operasionalnya termasuk penggunan kertas bekas, of waste paper, minimizing the use of plastic and bottled
meminimalisasi penggunaan plastik dan air minum water, reusable campaigns in the internal environment, and
kemasan, kampanye re-usable di lingkungan internal dan so on. Almost all paper that has been used and is no longer
sebagainya. Hampir seluruh kertas yang telah digunakan, used is shredded and disposed of as part of office waste.
dan tidak terpakai lagi, kemudian dicacah dan dibuang
sebagai bagian dari limbah kantor.
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Laporan Keberlanjutan
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Volume Penggunaan Kertas OK BANK
Paper Usage Volume of OK BANK
Tahun Jumlah (Rim)
Year Total (Ream)
2023 1.000
2022 1.200
2021 2.200
Pengelolaan Konsumsi Energi dan Intensitas Energi Management of Energy Consumption and Energy
Intensity
OK Bank menggunakan 2 jenis sumber energi dalam OK Bank uses two types of energy sources in carrying out
menjalankan kegiatan operasionalnya, yakni: energi its operational activities, namely electrical lighting energy
listrik untuk penerangan maupun untuk menjalankan and to run various electrical equipment in offices, as well
berbagai peralatan listrik di kantor-kantor serta BBM as fuel to support transportation needs in the city and
untuk mendukung kebutuhan transportasi dalam kota to meet the needs of generators. The Bank implements a
maupun untuk memenuhi kebutuhan genset. Untuk savings policy to improve the efficiency of consumption of
meningkatkan efisiensi konsumsi kedua jenis energi both types of energy by enforcing optimal lighting times
tersebut, Bank menerapkan kebijakan penghematan and room usage arrangements.
dengan memberlakukan waktu penerangan dan pengaturan
penggunaan ruangan secara optimal.
Berbagai Kebijakan Penghematan Listrik yang dijalankan Various Electricity Saving Policies implemented include:
meluputi:
a. Mematikan alat elektronik maupun peralatan listrik a. Turning off electronic devices and supporting electrical
pendukung saat tidak digunakan; equipment when not in use;
b. Mematikan lampu dan pendingin ruangan ketika jam b. Switching off lights and air conditioners during break
istirahat dan pada waktu pulang; times and when returning home;
c. Menggunakan lampu-lampu penerangan jenis LED yang c. Using more electricity-efficient LED lighting.
lebih hemat listrik.
d. Mematikan lift di kantor pusat. d. Turning off the elevator at the head office.
e. Tidak menyalakan lampu apabila cahaya dari luar e. Not switching on lights when there is sufficient light
mencukupi; from outside;
f. Membatasi penggunaan pendingin ruangan untuk f. Limiting the use of air conditioning for overtime
lembur (maksimal 2 jam setelah pulang kantor); (maximum two hours after leaving the office);
g. Menyalakan pendingin ruangan mulai pukul 07.30 WIB; g. Switching on the air conditioner starting at 7:30 am;
h. Mengatur seluruh alat elektronik dengan program h. Setting all electronic devices with saving mode
saving mode. program.
Guna meningkatkan efisiensi penggunaan BBM transportasi, OK Bank implemented a policy of using vehicles that
OK BANK menerapkan kebijakan penggunaan kendaraan are known to be fuel efficient, conducting periodic
yang dikenal hemat bahan bakar, melakukan perawatan maintenance, and implementing controls on the use of
berkala, selain menerapkan kontrol penggunaan kendaraan official vehicles to improve the efficiency of transportation
dinas. fuel usage.
Melalui berbagai upaya tersebut, OK BANK dapat Through these various efforts, OK BANK was able to control
mengendalikan kenaikan konsumsi energi baik untuk the increase in energy consumption for both electricity and
penggunaan listrik maupun BBM sebagaimana terlihat pada fuel usage, as shown in the following table.
tabel berikut.
352 Laporan Tahunan 2023 Annual Report
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Tabel Konsumsi dan Intensitas Energi
Table of Energy Consumption and Intensity
Tahun Perubahan
Uraian Satuan Year Changes
No
Description Unit
2023 2022 2021* 2023
1 Listrik Kwh 681.045 622.290 561.000 9.44%
Electricity
GigaJoules 2.451 2.240 2.019 9.44%
2 BBM Transportasi/Operasional Kiloliter 43.89 43.04 35.14 1.98%
Transportation/Operational Fuel
GigaJoules 1.767 1.732 1.414 1.98%
3 BBM Genset Kiloliter 9.31 7.37 2.51 26.36%
Generator Fuel
GigaJoules 333 263 90 26.36%
Total Konsumsi Energi GigaJoules 4.551 4.235 3.523 7.44%
Total Energy Consumption
Total Luas Bangunan M2 9.221 7.812 8.250 0.00%
Total Area of Buildings
Intensitas Konsumsi Energi M2/GigaJoule 00,49 0,54 0,43 7,44%
Energy Consumption Intensity
(*) Tahun Baseline
Konversi energi dihitung menurut ketentuan IPCC.2006
(*) Baseline Year
Energy conversion is calculated according to IPCC.2006
INFORMASI GEDUNG OK BANK
OK BANK BUILDING INFORMATION
No. Location Area Gross m2
1 Candranaya 157
2 Perniagaan 146
3 Pluit 174
4 Mangga Dua 348
5 Kelapa Gading 342
6 Wahid Hasyim 462
7 Bandung 174
8 Taman Ratu 279
9 Pondok Indah 280
10 Batu Ceper 551
11 Serpong 200
12 Denpasar 500
13 Sudirman 203
14 Surabaya 600
15 Semarang 253
16 Juanda 4.552
Dari data konsumsi energi tersebut di atas tampak, meskipun From the energy consumption data above, it can be seen
kegiatan operasional OK BANK meningkat sebagaiamana that although OK BANK’s operational activities increased,
tercermin dari naiknya nilai aset, nilai DPK dan nilai saldo as reflected in the increase in the value of assets, the value
kredit, akan tetapi intensitas konsumsi energi Bank di of Third-Party funds, and credit balances, the Bank’s energy
tahun 2023 hanya meningkat sebesar 8,98%, menunjukkan consumption intensity in 2023 only increased by 7.59%,
efisiensi Bank meningkat selaras dengan peningkatan indicating that the Bank’s efficiency increased in line with
kegiatan operasional dan nilai aset yang dikelola. the increase in operational activities and the value of assets
under management.
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Laporan Keberlanjutan
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Pengelolaan Emisi Gas Rumah Kaca Greenhouse Gas Emissions Management
Perubahan iklim dan pemanasan global merupakan isu Climate change and global warming are major issues that
besar yang hingga saat ini menjadi keprihatinan seluruh have become a concern for all world citizens, including
warga dunia, termasuk para pelaku usaha, untuk bersama- business actors, to jointly control and overcome in the
sama mengendalikan dan mengatasinya dalam beberapa coming years. The negative impacts of climate change and
tahun mendatang. Apabila tidak ada langkah nyata dan global warming will be increasingly felt by the earth and
gerakan bersama, maka dampak negatif perubahan iklim all creatures living on it if there are no concrete steps and
dan pemanasan global akan semakin terasa bagi bumi joint movements. Among the causes of climate change
dan seluruh makhluk yang hidup di atasnya. Di antara and global warming is the increase in greenhouse gas
penyebab perubahan iklim dan pemanasan global adalah emissions resulting from various human activities, such
meningkatnya emisi gas rumah kaca yang dihasilkan as industrialization, electric power generators using fossil
dari berbagai aktivitas manusia, seperti: industrialisasi, fuels, transportation activities, household activities, logging
pembangkitan tenaga listrik menggunakan bahan bakar forests that actually act as the lungs of the world, and so on.
fosil, kegiatan transportasi, aktivitas rumah tangga, hingga
penebangan hutan yang sebenarnya bertindak sebagai
paru-paru dunia, dan sebagainya.
Emisi gas rumah kaca (GRK) dikelompokkan dalam beberapa Greenhouse gas (GHG) emissions are grouped into several
kategaori, yakni antaranya GRK langsung (cakupan 1) yang categories, namely direct GHG (scope 1) resulting from the
dihasilkan dari penggunaan bahan bakar fosil (BBM), dan use of fossil fuels (BBM), indirect GHG emissions (Scope 2)
emisi GRK tidak langsung (Cakupan 2) yang bersumber dari originating from the use of electricity, and GHG emissions
penggunaan listrik dan emisi GRK yang berasal dari kegiatan from transportation and operational activities by third
transportasi maupun kegiatan operasional oleh pihak parties (Scope 3). The dominant GHG emission generated in
ketiga (Cakupan 3). Emisi GRK dominan yang dihasilkan, both scopes 1 and 2 is carbon dioxide (CO2).
baik cakupan 1 dan 2 adalah karbon dioksida (CO2).
Oleh karena itu, untuk mengurangi emisi, OK BANK Therefore, to reduce emissions, OK BANK runs various
menjalankan beragam program efisiensi penggunaan listrik programs to optimize electricity and fuel usage, as
dan BBM secara optimal, sebagaimana telah dijelaskan pada explained in the “Management of Energy Consumption and
uraian “Pengelolaan Konsumsi Energi dan Intensitas Energi”. Energy Intensity” description.
Untuk menghitung emisi GRK (Cakupan 1) langsung, OK To calculate direct GHG emissions (Scope 1), OK BANK uses
BANK menggunakan metode sebagaimana yang digunakan the method used in Indonesia and non-Annex 1 (developing
di Indonesia dan negara-negara non-Annex 1 (negara country) Tier-1 countries, which is based on energy
berkembang) kategori Tier-1, yaitu berdasarkan data consumption data in Gigajoules and Terra Joules multiplied
konsumsi energi, dalam satuan Gigajoule maupun TerraJoule, by IPCC (Intergovernmental Panel on Climate Change)
dikalikan faktor emisi default IPCC (Intergovernmental default emission factors.
Panel on Climate Change/Panel Antar Pemerintah tentang
Perubahan Iklim).
Tabel Emisi GRK dan Intensitas Emisi GRK OK BANK
Table of GHG Emissions and Its Intensity of OK BANK
Tahun Perubahan
Uraian Satuan Year Changes
No
Description Unit
2023 2022 2021* 2023
1 Emisi dari BBM Transportasi dan Genset Ton CO2 eq 1.249 1.220 987 2,37%
(Scope 1)
Emissions from Transportation and
Generator Fuels (Scope 1)
2 Emisi GRK dari penggunaan listrik Ton CO2 eq 593 541 488 9,44%
(Scope 2)
GHG Emissions from electricity usage
(Scope 2)
Total Emisi GRK Perseroan Ton CO2 eq 1.841 1.761 1.475 4,54%
Total Corporate GHG Emissions
354 Laporan Tahunan 2023 Annual Report
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Tabel Emisi GRK dan Intensitas Emisi GRK OK BANK
Table of GHG Emissions and Its Intensity of OK BANK
Tahun Perubahan
Uraian Satuan Year Changes
No
Description Unit
2023 2022 2021* 2023
Total Luas Bangunan M 2
9.221 7.812 8.250 0,00%
Total Area of Buildings
Intensitas Emisi GRK M2/Ton CO2 Eq 0,22 0,23 0,18 4,54%
GHG Emissions Intensity
(*) Tahun Baseline
(*) Baseline Year
Selama tahun pelaporan, sesuai hasil perhitungan tersebut During the reporting year, OK BANK generated direct GHG
OK BANK menghasilkan emisi GRK langsung (cakupan 1) emissions (scope 1) from fuel oil use of 122,521 tons of
dari penggunaan bahan bakar minyak sebesar 1.249 Ton CO2eq, according to the calculation. This result increased in
CO2eq. Hasil tersebut meningkat selaras dengan naiknya line with the increase in operational activities, compared to
kegiatan operasional, dibandingkan emisi GRK langung direct GHG emissions in 2022 of 120,105 tons CO2eq. Indirect
tahun 2022 yang sejumlah 1.220 ton CO2eq. Emisi GRK GHG emissions (Scope 2) from electricity use also increase
tak langsung (Cakupan 2) dari penggunaan listrik juga in line with the increase in operational activities. Therefore,
meningkat selaras dengan naiknya kegiatan operasional. the intensity of GHG emissions from operational activities,
Adapun intensitas emisi GRK dari kegiatan operasional, as illustrated in the GHG Emissions table, also increases
sebagaimana tergambar dalam tabel Emisi GRK tersebut, in line with the increase in assets, but with a smaller
menurun sebesar 11,43%. percentage increase.
Sebagaimana disampaikan pada uraian “Tinjauan Kinerja As stated in the “Financial Performance Review” description,
Keuangan”, nilai aset OK BANK di tahun operasional naik OK BANK’s asset value in the operating year increased by
sebesar 8,76%, sedangkan intensitas emisi GRK OK BANK 8.76%, while its GHG emissions intensity only increased by
hanya meningkat sebesar 4,54%. Ini menunjukkan program 4.54%. It indicates that OK BANK’s energy-saving program
penghematan energi, juga pengelolaan Emisi GRK, OK and GHG emission management showed positive results.
BANK menunjukkan hasil positif.
Upaya dan Pencapaian Pengurangan Emisi Zat Perusak Efforts and Achievements of Ozone Depleting Substances
Ozon Emission Reduction
Penggunaan berbagai piranti yang mengandung bahan The use of various devices containing ozone-depleting
perusak ozon (Ozone Depleting Substances/ODS) seperti substances (ODS), such as CFCS, HCFC, halon, and methyl
CFCS, HCFCs, halon dan methylbromida, juga menjadi bromide, is also a trigger for climate change and global
pemicu perubahan iklim dan pemanasan global. Di antara warming. Among these materials are those often used
bahan-bahan tersebut sering digunakan sebagai zat as refrigerants in air conditioners (AC) and refrigerators.
pendingin atau refrigeran Air Conditioner (AC) dan lemari Realizing the negative impact on the environment, OK
es. Menyadari adanya dampak buruk bagi lingkungan, BANK’s office uses central air conditioning that no longer
maka kantor OK BANK menggunakan AC sentral yang tidak produces CFCs that destroy ozone. Likewise with the use
lagi menghasilkan CFC yang merusak ozon. Begitu pula of split AC and internal company server coolers, all of which
dengan penggunaan AC split dan pendingin server internal are free from the use of CFC. Light fire extinguishers (APAR)
perusahaan, semuanya bebas dari penggunaan CFC. Selaras also no longer use halon-containing fire extinguishing
dengan itu, alat pemadam api ringan (APAR) juga tidak lagi substances, making them more environmentally friendly.
menggunakan zat pemadam api yang mengandung unsur
halon sehingga lebih ramah lingkungan.
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Sustainability Report
Pengelolaan Konsumsi Air Water Consumption Management
OK Bank menggunakan air hanya untuk mendukung OK Bank uses water only to support operational needs. The
kebutuhan operasional. Penggunaan air untuk kebutuhan water usage for operational needs is sourced from PDAM at
operasional tersebut bersumber dari PDAM di kantor cabang, branch offices, while the head office uses groundwater. OK
sedangkan untuk kantor pusat menggunakan air tanah. OK BANK implements a water-saving program by campaigning
BANK menerapkan program penghematan penggunaan for water-saving and using automatic taps. The realization
air dengan mengkampanyekan penghematan penggunaan of water usage during 2023 was 3,959 M3 (2022: 18,253 M3),
air dan menggunakan kran-kran otomatis. Adapun realiasi as illustrated in the following table.
pemakaian air selama tahun 2023 adalah sebesar 3.959 M3
(2022: 18.253 M3), sebagaimana tergambar pada tabel berikut.
Tabel Konsumsi Air 2021-2023
Table of Water Consumption in 2021-2023
Tahun Perubahan
Uraian Satuan Year Changes
No
Description Unit
2023 2022* 2021* 2023
1 Air PDAM M3 18.315 18.253 17.992 0,34%
PDAM Water
Kantor Pusat | Head Office M3 345 256 121 34,77%
Kantor Cabang | Branch Office M 3
17.970 17.997 17.871 -0,15%
2 Air Tanah - Kantor Pusat M 3
3.564 2.957 1.637 20,53%
Ground Water - Head Office
Total Konsumsi Air M3 21.879 21.210 19.629 3,15%
Total Water Consumption
* Koreksi penggunaan Air Tanah – Kantor Pusat | Groundwater usage correction - Head Office
Penggunaan air mengalami peningkatan, sejalan dengan Water usage increased in line with the increase in
naiknya kegiatan operasional dan meningkatnya nilai aset operational activities and the value of assets under
yang dikelola. Peningkatan tersebut membuat jumlah management. This growth has also increased the number
sumber daya manuasia yang ada baik karyawan tetap, of human resources, including permanent, contract, and
kontrak maupun outsourcing juga meningkat. Bank selalu outsourced employees. The Bank always strives to improve
berupaya untuk meningkatkan efisiensi biaya termasuk cost efficiency, including savings in PDAM water usage at
penghematan penggunaan air PDAM di cabang maupun branches and head office.
kantor pusat.
Pengelolaan Limbah dan Efluen Waste and Effluent Management
Kegiatan operasional OK BANK tidak menghasilkan OK Bank’s operations do not generate significant amounts
limbah dalam jumlah yang signifikan maupun efluen yang of waste or hazardous effluents. Waste arising is generally
berbahaya. Limbah yanng timbul pada umumnya adalah waste from employees’ eating/drinking activities (domestic
limbah dari kegiatan makan/minum para karyawan (limbah waste) and paper waste from operational activities.
domestik) dan limbah kertas dari kegiatan operasional.
Dalam pengelolaan limbah/sampah, OK BANK secara In waste management, OK BANK will gradually manage
bertahap akan melakukan pengelolaan dan pemilahan and segregate waste according to its type (organic/
sampah sesuai dengan jenisnya (organik/anorganik, recycle/ inorganic, recycle/non-recycle). OK BANK also does not
non-recycle). OK BANK juga dalam kegiatan operasionalnya produce hazardous effluents in its operational activities and
tidak menghasilkan efluen berbahaya, dan telah mengikuti has followed the waste disposal regulations of the local
peraturan pembuangan limbah dari pemerintah daerah government of the Bank’s operating area.
wilayah operasi Bank.
Pada umumnya limbah domestik dikelola dengan menjalin In general, domestic waste is managed by cooperating with
kerjasama dengan pihak ketiga yang memiliki izin untuk third parties licensed to manage it. Meanwhile, waste paper
mengelolanya. Sementara limbah kertas bekas dikelola oleh is managed by other third parties to be recycled.
pihak ketiga lainnya untuk didaur ulang.
356 Laporan Tahunan 2023 Annual Report
Page 359
Keanekaragaman Hayati Biodiversity
Indonesia adalah negara dengan kekayaan biodiversitas Indonesia is a country with the second highest terrestrial
terrestrial tertinggi kedua di dunia, dan bila digabungkan biodiversity wealth in the world, and when combined with
dengan keanekaragaman hayati di laut maka Indonesia marine biodiversity, Indonesia is the first. Indonesia is also
menjadi yang pertama. Indonesia juga merupakan salah satu one of the 17 world’s megadiverse countries, or countries
dari 17 the world’s megadiverse countries atau negara-negara that are rich in biodiversity. Commitments and efforts
yang kaya akan keanekaragaman hayati. Komitmen dan upaya to manage Indonesia’s biodiversity shall continue to be
pengelolaan keanekaragaman hayati Indonesia pun harus developed and directed towards sustainable development;
terus dikembangkan dan diarahkan untuk pembangunan hence, all levels of society can benefit from its use.
yang berkelanjutan, sehingga pemanfaatannya dapat
dirasakan seluruh lapisan masyarakat.
OK Bank menunjukkan komitmen mendukung konservasi OK Bank demonstrates its commitment to supporting
keanekaragaman hayati dengan memastikan bahwa biodiversity conservation by ensuring that its business
kegiatan bisnis yang dijalankan, antara lain dalam penyaluran activities, including lending, do not target industry players
kredit dipastikan tidak menyasar terhadap pelaku industri whose businesses damage or endanger the environment. OK
yang kegiatan usahanya merusak atau membahayakan BANK also ensures that it places its temporary investment
lingkungan. OK BANK juga memastikan menempatkan funds in environmentally friendly financial instruments
dana investasi sementaranya pada instrumen-instrumen (Green Bonds). OK BANK’s operational offices are also not
keuangan yang ramah lingkungan (Green Bond). Kemudaian located in biodiversity conservation areas.
kantor-kantor operasinal OK BANK juga tidak ada yang
berlokasi pada daerah konservasi keanekaragaman hayati.
Usaha Konservasi Keanekaragaman Hayati Biodiversity Conservation Efforts
OK Bank senantiasa melakukan screening dan cek dokumen OK Bank conducts screening, checks the documents
serta reputasi calon nasabah pada saat pengajuan kredit and reputation of prospective customers when applying
dan memastikan kegiatan usaha calon nasabah tidak for credit, and ensures that the prospective customer’s
berdampak pada perusakan lingkungan atau pernah business activities do not have an impact on environmental
melakukan pelanggaran terhadap ketentuan pemberdayaan destruction or have ever violated environmental
lingkungan yang dikeluarkan oleh pemerintah. empowerment provisions issued by the government.
Pengaduan Terkait Lingkungan Hidup Complaints Related to the Environment
OK Bank senantiasa taat dan patuh terhadap berbagai OK Bank always obeys and complies with various rules
peraturan dan ketentuan yang berlaku di bidang and regulations that apply in the environmental sector.
lingkungan. Selain itu, Bank juga berkomitmen untuk peduli In addition, the Bank is also committed to caring for and
dan turut menjaga kelestarian lingkungan melalui berbagai participating in preserving the environment through various
program dan kegiatan yang diselenggarakan selama tahun programs and activities held during the reporting year. The
pelaporan. Kesungguhan Bank dalam mentaati berbagai Bank’s seriousness in complying with various environmental
ketentuan dan peraturan lingkungan membawa hasil provisions and regulations has resulted in the absence of
dengan tidak adanya denda dan sanksi non-moneter akibat fines and non-monetary sanctions due to non-compliance
ketidakpatuhan terhadap undang-undang dan peraturan with environmental laws and regulations. In addition, there
tentang lingkungan hidup. Selain itu, juga tidak terdapat were also no cases of environmental complaints whose
kasus pengaduan lingkungan yang penyelesaiannya settlements were submitted through a dispute resolution
diajukan melalui mekanisme penyelesaian sengketa, seperti mechanism, such as going to court.
ke pengadilan.
Biaya Lingkungan Hidup Environmental Cost
Mempertimbangkan bahwa kegiatan operasional yang OK Bank does not budget and incur special costs to
dijalankan tidak menimbulkan dampak negatif signifikan maintain or improve the quality of the environment,
terhadap kondisi lingkungan hidup sekitarnya, OK BANK considering that the operational activities carried out do
tidak menganggarkan dan mengeluarkan biaya khusus not have a significant negative impact on the surrounding
untuk menjaga maupun meningkatkan kualitas lingkungan environmental conditions.
hidup.
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Laporan Keberlanjutan
Sustainability Report
Pengembangan Sosial dan
Kemasyarakatan
Social and Community Development
DAMPAK OPERASIONAL TERHADAP IMPACT OF THE OPERATION ON THE
MASYARAKAT SEKITAR SURROUNDING COMMUNITY
OK Bank senantiasa berupaya mewujudkan komitmen OK Bank consistently endeavors to ensure that its presence
bahwa kehadirannya memberikan manfaat sebesar- delivers optimal benefits to all stakeholders. One of the
besarnya untuk para pemangku kepentingan. Di antara benefits that the community surrounding the Bank’s
berbagai manfaat yang bisa dirasakan masyarakat di sekitar operational area can enjoy is the creation of employment
area operasional Bank adalah terbukanya lapangan kerja opportunities through adherence to the process and
dengan mengikuti proses dan memenuhi syarat-syarat meeting relevant recruitment criteria. The presence of
rekrutmen yang berlaku. Keberadaan Bank juga membuka the Bank also opens opportunities for local businesses
peluang bagi pelaku usaha lokal untuk menjadi pemasok to become suppliers or vendors of goods and services
atau vendor barang dan jasa yang dibutuhkan Bank. needed by the Bank. These various positive impacts create
Berbagai dampak positif tersebut membuka peluang bagi opportunities for improving the standard of living and
terjadinya peningkatan taraf hidup dan kesejahteraan sosial socio-economic welfare of the local community.
ekonomi masyarakat setempat.
Selain membuka lapangan kerja dan membuka peluang para Furthermore, beyond creating employment and fostering
pengusaha lokal menjadi pemasok, manfaat keberadaan opportunities for local entrepreneurs to serve as suppliers,
OK BANK juga dirasakan masyarakat melalui pelaksanaan OK BANK’s presence enriches the community through the
berbagai program sebagai implementasi Tanggung Jawab execution of diverse Corporate Social Responsibility (CSR)
Sosial Perusahaan (Corporate Social Responsibility/CSR). initiatives.
Bank menyelenggarakan program CSR dengan penekanan The Bank conducts CSR programs with an emphasis on
memberi manfaat terbesar kepada masyarakat yang kurang providing the greatest benefit for the underprivileged, both
mampu, baik yang berada di sekitar lokasi dimana Perseroan in the vicinity of where the Company is located and with
berada maupun dengan cakupan yang lebih luas. Selain itu, a broader outreach. Furthermore, this social responsibility
program tanggung jawab sosial ini juga dilaksanakan guna program is also carried out to foster a sense of brotherhood
memupuk rasa persaudaraan dan mendukung terjalinnya and support the development of harmonious and balanced
hubungan yang serasi dan seimbang antara Perseroan relationships between the Company and the community.
dengan masyarakat.
Kegiatan CSR OK BANK OK Bank’s CSR Activities
Pelaksanaan program CSR OK BANK dijalankan oleh Divisi The implementation of OK BANK’s CSR program is carried
Corporate Secretary. Merujuk pada ketentuan POJK out by the Corporate Secretary Division. Referring to the
Nomor 51/ POJK.03/2017 tentang Penerapan Keuangan provisions of POJK Number 51/POJK.03/2017 regarding
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten the Implementation of Sustainable Finance for Financial
dan Perusahaan Publik, OK BANK kemudian melakukan Services Institutions, Issuers, and Public Companies, OK
pemetaan pelaksanaan CSR agar selaras dengan pencapaian BANK then maps out the implementation of CSR to align
17 Tujuan Pembangunan Berkelanjutan (TPB) di Indonesia. with the achievement of the 17 Sustainable Development
Untuk itu, OK BANK kemudian menyusun prioritas TPB Goals (SDGs) in Indonesia. Therefore, OK BANK then
dengan menganalisa risiko dan dampak yang ditimbulkan prioritizes SDGs by analyzing the risks and impacts arising
dari kegiatan-kegiatan CSR tersebut. Dengan pendekatan from these CSR activities. With this approach, various CSR
tersebut berbagai program CSR yang dilaksanakan di tahun programs implemented in the 2023 operational year have
operasional 2023, terbukti membawa manfaat positif bagi proven to bring positive benefits to the community as
masyarakat sebagai penerima manfaat. recipients.
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Sejalan dengan bisnis utama dan aktivitas sosial lingkungan In line with OK BANK’s core business and environmental
yang dijalankan OK BANK, prioritas kegiatan CSR dan social activities, the priority of CSR activities and their links
tautannya dengan pencapaian tujuan keberlanjutan dalam to achieving sustainability goals within the SDGs are as
TPB adalah sebagai berikut: follows:
Nama Kegiatan Tujuan Pembangunan Berkelanjutan Penjelasan Capaian
No
Activity Sustainable Development Goals Explanation Achievement
1 Bea Siswa Memberi kesempatan kepada masyarakat Tanggal 23 Feb 2023 OK BANK Dengan pemberian beasiswa ini
Universitas kurang mampu yang berprestasi untuk memberikan Beasiswa OK Bae 22 orang mahasiswa/mahasiswi
Indonesia menempuh dan menyelesaikan jenjang & Jung Scholarship Foundation, Universitas Indonesia yang kurang
Universitas pendidikan tinggi S-1 di Universitas dengan total dana disalurkan mampu namun berprestasi
Indonesia Indeonesia sebesar Rp200,00 juta dihharapkan dapat menyelesaikan
Scholarship Providing opportunities for On February 23, 2023, OK BANK pendidikannya dan menjadi
underprivileged individuals with academic provided scholarships through sarjana.
achievements to pursue and complete the OK Bae & Jung Scholarship With this scholarship provision, it
an undergraduate degree (S-1) at the Foundation, with a total fund is hoped that 22 underprivileged
University of Indonesia. disbursed of Rp200.00 million. students at the University of
Indonesia, who have shown
academic excellence, will be able
to complete their education and
become graduates.
2 Donor Darah Berkontribusi pada upaya menjaga Pada tanggal 28 Agustus 2023, Kegiatan Donor Darah ini diikuti
Blood Donation kesehatabn dan mengobati masyarakat bekerja sama dengan PMI oleh 81 orang pendonor dengan
yang membutuhkan tambahan darah pada Cabang Pacenongan OK BANK total kantung darah yang
saat menjalani pengobatan. menyelenggarakan program terkumpul adalah 64 kantong
Contributing to efforts in maintaining Donor Darah, dengan didukung darah dari 64 orang pendonor
health and treating individuals in need dana sebesar Rp21,65 juta The Blood Donation activity was
of additional blood during medical On August 28, 2023, in participated by 81 donors, resulting
treatment. collaboration with the PMI in a total of 64 blood bags
Pacenongan Branch, OK BANK collected from 64 donors.
organized a Blood Donation
program, supported by
funds amounting to Rp21.65
million.
Pengaduan Masyarakat Public Complaints
Bagi OK BANK, penerapan kegiatan CSR tak sekadar For OK BANK, engaging in CSR activities goes beyond merely
menuntaskan rencana yang telah disusun sebelumnya, fulfilling preconceived plans; it presents an opportunity to
namun juga menjadi momentum untuk menjalin establish direct communication and build relationships
komunikasi dan hubungan langsung dengan masyarakat. with the community. During the implementation of these
Pada momen pelaksanaan kegiatan tersebut, masyarakat activities, the community can directly lodge complaints
bisa mengadukan secara langsung jika ada masalah atau if there are any issues or negative impacts from the
dampak negatif dari operasional perusahaan. Selain company’s operations. In addition to direct communication,
menyampaikan secara langsung, pengaduan masyarakat, community complaints, including those from consumers,
termasuk konsumen, juga bisa disampaikan melalui saluran can also be conveyed through the provided channels,
yang telah disediakan, yakni: namely:
• E-mail: customercare@okbank.co.id • E-mail: customercare@okbank.co.id
• Hotline: 150112 • Hotline: 150112
• Media sosial: okbank Indonesia • Social media: okbank Indonesia
Pada tahun pelaporan, tidak terdapat pengaduan In the reporting year, OK BANK did not receive any public
masyarakat yang diterima OK BANK. complaints.
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Aspek Ketenagakerjaan
Employment Aspects
KEBIJAKAN UMUM KETENAGAKERJAAN GENERAL EMPLOYMENT POLICY
Sebagaimana telah disinggung sebelumnya dalam As previously mentioned in the discussion on “Human
pembahasan “Pengelolaan Sumber Daya Manusia”, jajaran Resource Management,” the workforce is the backbone
karyawan merupakan ujung tombak OK BANK dalam of OK BANK in realizing the Company’s vision and mission.
mewujudkan visi dan misi Perusahaan. Bagi Bank, jajaran For the Bank, the workforce, or human resources (HR),
karyawan atau sumber daya manusia (SDM), merupakan represents the most valuable asset of the company and
aset perusahaan paling berharga sekaligus mitra utama is also a key partner in achieving objectives and fostering
dalam mencapai tujuan dan mewujudkan pengembangan high-quality business-scale development. Employees are
skala usaha yang berkualitas. Karyawan juga sekaligus also the primary drivers of the Company and control other
adalah mesin penggerak utama Perseroan, serta menjadi resources, such as capital and technology. Employees are
pengendali sumber daya yang lain, seperti modal dan also at the forefront of service delivery, thus playing a
teknologi. Karyawan juga menjadi garda terdepan crucial role in shaping the image of OK BANK.
pelayanan sehingga sangat berperan dalam membentuk
image OK BANK.
Oleh karenanya selain menjalankan program Therefore, in addition to implementing well-focused
pengembangan kompetensi yang terfokus dengan baik, competency development programs, the Bank also
Bank juga menyelenggarakan program pengelolaan SDM, conducts HR management programs aimed at balancing
yakni program yang ditujukan pada pemenuhan hak- employee rights with their obligations to the Company.
hak karyawan seimbang dengan pemenuhan kewajiban As in the implementation of competency development
karyawan terhadap Perseroan. Sebagaimana dalam programs, in managing employment aspects, the Bank also
pelaksanaan program pengembangan kompetensi, dalam applies general policies, as follows.
pengelolaan aspek ketenagakerjaan, Bank juga menerapkan
kebijakan umum, sebagai berikut.
Prinsip Kesetaraan Principle of Equality
Bank menerapkan aspek kesetaraan gender dengan The Bank implements gender equality by providing equal
memberikan kesempatan yang sama bagi setiap kandidat opportunities for all prospective employees who meet the
karyawan yang dapat memenuhi kualifikasi yang dibutuhkan qualifications required by the Company to join and develop
oleh Perseroan untuk bergabung dan mengembangkan their careers with the Company. These opportunities are
kariernya bersama Perseroan. Kesempatan tersebut terbuka open to candidates from various religious, ethnic, racial,
bagi kandidat dari berbagai latar belakang agama, etnis, social status, skin color, gender, or other physical condition
ras, status sosial, warna kulit, gender, ataupun kondisi fisik backgrounds. This policy applies from recruitment to
lainnya. Kebijakan tersebut berlaku sejak rekrutmen hingga determining job promotions, employee transfers, or
penentuan promosi jabatan ataupun mutasi karyawan appointments. OK BANK’s commitment to this is stated in
pengangkatan atau calon karyawan. Komitmen OK BANK the Company’s Code of Ethics, which emphasizes fairness
tersebut tercantum dalam Kode Etik Perusahaan yakni tidak and impartiality and respects diversity while providing
berat sebelah dan adil serta menghargai keragaman dan equal opportunities.
menyediakan kesempatan yang sama.
Bank juga menerapkan kebijakan kesetaraan perlakuan The Bank also implements a policy of equal treatment
dalam memenuhi kebutuhan dan hak-hak karyawan. in meeting the needs and rights of employees. Every
Setiap karyawan mendapatkan hak yang sama pada aspek employee is entitled to the same opportunities for
kesempatan untuk berkembang, mendapatkan penilaian development, performance assessment, and receiving
kinerja dan mendapatkan paket remunerasi dan berbagai remuneration packages and various other benefits, in
benefit lainnya, sesuai ketentuan perundangan dan accordance with statutory provisions and the company’s
kemampuan keuangan perusahaan. financial capabilities.
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Komitmen OK BANK tersebut tercantum dalam Kode OK Bank’s commitment to fairness and impartiality,
Etik Perusahaan yakni tidak berat sebelah dan adil serta respecting diversity, and providing equal opportunities is
menghargai keragaman dan menyediakan kesempatan outlined in the Company’s Code of Ethics.
yang sama.
Tenaga Kerja Anak dan Kerja Paksa Child Labour and Forced Labour
Bank mensyaratkan dipenuhinya syarat minimum jenjang The Bank requires the fulfillment of minimum education
pendidikan dalam menerima karyawan dan melarang level requirements in accepting employees and prohibits
adanya praktik kerja paksa. Hal tersebut sesuai dengan forced labor practices. This is in accordance with the Bank’s
kebijakan rekrutmen Bank, yaitu untuk pendidikan kandidat recruitment policy, which is for candidate education of at
minimal Sarjana-S1. least Bachelor’s degree.
Ketentuan larangan kerja paksa dan tenaga kerja anak ini The prohibition of forced labor and child labor also applies
juga diberlakukan bagi seluruh calon nasabah korporasi, to all prospective corporate customers, as well as SMEs,
maupun UMKM saat menilai kelayakan pemberian when assessing the eligibility of their loan applications.
permohonan kredit yang mereka ajukan.
Sementara itu, berkaitan dengan jam kerja, OK BANK Regarding working hours, OK BANK establishes that the
menetapkan, jam kerja karyawan adalah 40 jam per minggu. standard working hours for employees are 40 hours per
Ketentuan tersebut selaras dengan ketentuan dalam week. This provision is in line with the provisions in Article
pasal 77, Undang-Undang Nomor 13 Tahun 2003 tentang 77 of Law Number 13 of 2003 concerning Manpower. With
Ketenagakerjaan. Dengan ketentuan seperti itu, maka such provisions, each employee has sufficient rest time,
setiap karyawan memiliki waktu istirahat yang cukup, thus avoiding forced labor.
sehingga terhindar dari kerja paksa.
Kepatuhan Bank terhadap regulasi ketenagakerjaan dengan The Bank’s compliance with employment regulations by
tidak mempekerjakan anak serta tidak ada kerja paksa not employing children and not allowing forced labor has
membawa hasil dengan tidak adanya sanksi atau denda dari resulted in no sanctions or fines from regulators regarding
regulator terkait kedua isu tersebut. Selain itu, selama tahun these issues. Additionally, during the reporting year, OK
pelaporan, OK BANK juga tidak mencatat adanya pengaduan BANK did not record any complaints from the public
dari masyarakat terkait pekerja anak dan kerja paksa. regarding child labor and forced labor.
KESEJAHTERAAN KARYAWAN EMPLOYEE WELFARE
OK Bank senantias mematuhi ketentuan peraturan OK Bank consistently complies with the provisions of
perundang-undangan yang berlaku dalam hal pemberian applicable laws and regulations regarding the provision
upah kepada karyawan, dalam hal ini adalah Undang of wages to employees, including Law Number 13 of 2003
Undang Nomor 13 tahun 2003 tentang Ketenagakerjaan, concerning Manpower, POJK Number 45/POJK.03/2015
POJK Nomor 45/POJK.03/2015 tentang Penerapan Tata concerning the Application of Governance in Providing
Kelola dalam Pemberian Remunerasi bagi Bank Umum dan Remuneration for Commercial Banks, and Provincial/
ketentuan Upah Minimum Provinsi/ Kabupaten/Kota. Regency/City Minimum Wage regulations.
Selain itu, OK BANK juga memiliki Komite Remunerasi dan In addition, OK BANK also has a Remuneration and
Nominasi yang secara berkala melakukan review terhadap Nomination Committee that periodically reviews the Bank’s
kebijakan remunerasi Bank. Bank secara berkala melakukan remuneration policies. The Bank periodically reviews the
peninjauan terhadap skema remunerasi yang diberikan, dan remuneration schemes provided and then adjusts them
kemudian melakukan penyesuaian sesuai dengan kondisi according to market conditions. The Bank also periodically
pasar. Bank juga secara berkala menerapkan perubahan implements changes to incentive schemes that are more
skema pemberian insentif yang lebih menarik dan attractive and competitive for marketing personnel based
kompetitif bagi tenaga pemasaran atas pencapaian target on target achievements.
yang diberikan.
Penerapan kebijakan tersebut mengacu pada Undang- The implementation of these policies refers to Law Number
Undang Nomor 13 tahun 2003 tentang Ketenagakerjaan, 13 of 2003 concerning Manpower, as well as common
serta praktik-praktik ketenagakerjaan yang umum dilakukan employment practices in Indonesia, ranging from planning,
di Indonesia, mulai perencanaan, seleksi dan perekrutan, selection, and recruitment to career management,
manajemen karier, remunerasi, hingga jaminan sosial. Hal remuneration, and social security. These are reflected in
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tersebut tertuang dalam kebijakan Sumber Daya Manusia the Company’s Human Resources policy and Company
dan Peraturan Perusahaan (PP). Regulations (PP).
OK Bank berupaya untuk memenuhi hak-hak normatif OK Bank strives to fulfill employees’ normative rights in
karyawan sesuai peraturan perundang-undangan yang accordance with applicable laws and regulations, including
berlaku, termasuk dalam hal pemberian upah layak by providing fair wages to employees. In addition to
kepada karyawan. Selain mengacu pada Undang Undang referring to the Manpower Law, OK BANK also complies
Ketengakerjaan, OK BANK juga mematuhi ketentuan- with the provisions in OJK Regulation Number 45/
ketentuan yang terdapat pada Peraturan OJK Nomor POJK.03/2015 concerning the Application of Governance in
45/ POJK.03/2015 tentang Penerapan Tata Kelola dalam Providing Remuneration for Commercial Banks.
Pemberian Remunerasi bagi Bank Umum.
Upah Minimum Regional Regional Minimum Wage
OK Bank beroperasi di berbagai wilayah di Indonesia. Hal OK Bank operates in various regions of Indonesia. This
ini berpengaruh terhadap pemberian upah minimum bagi affects the provision of minimum wages for new permanent
karyawan tetap baru. Perbedaan pemberian upah minimum employees. The difference in minimum wages for new
karyawan tetap baru tergantung dengan wilayah kerja permanent employees depends on the employee’s working
karyawan tersebut. Sesuai dengan Undang-Undang Nomor area. In accordance with Law Number 13 of 2003 concerning
13 Tahun 2003 tentang Ketenagakerjaan, pemberian upah Manpower, the provision of minimum wages is aimed
minimum diarahkan kepada pencapaian kebutuhan hidup at achieving a decent standard of living for employees.
layak bagi karyawan. Mengacu pada ketentuan tersebut, Referring to this provision, the Bank implements a policy
Bank menerapkan kebijakan pemberian gaji dengan of providing salaries by setting the lowest-level salaries for
menetapkan gaji karyawan baru di level terendah yang new employees higher than the regional minimum wage
lebih besar dari ketentuan upah minimum regional. regulations.
Tahun 2023, upah terendah karyawan baru OK BANK adalah In 2023, the lowest wage for new OK BANK employees is
sebesar Rp5,1 juta (2022: Rp5 juta), atau berarti lebih tinggi Rp5.1 million (2022: Rp5 million), or approximately 4% higher
4% dari upah minimum yang ditetapkan oleh Pemerintah than the minimum wage set by the local Government. The
setempat. Penjabaran kesesuaian upah minimum karyawan alignment of OK BANK employee minimum wages with the
OK BANK terhadap upah minimum yang berlaku di lokasi applicable regional minimum wages is as follows:
wilayah operasi adalah sebagai berikut:
Tabel Perbandingan Upah Minimum Bank vs UMR 2023
Table of the Comparison of the Bank’s Minimum Wage vs UMR in 2023
Upah Minimum Upah Karyawan Baru Golongan
Perbandingan
Wilayah Operasi Setempat (Rp) Terendah (Rp)
No Comparison
Operating Region Regional Minimum New Employee Wage for the
(%)
Wage (Rp) Lowest Group (Rp)
1 DKI Jakarta 4.901.798,00 5.100.000,00 104%
2 Jawa Tengah 3.060.348,78 5.429.676,00 177%
3 Jawa Timur 4.525.479,00 5.250.000,00 116%
4 Bali 2.713.672,00 5.116.790,00 188%
5 Jawa Barat 4.048.462,69 5.222.336,00 128%
Selain pemberian Gaji, Bank juga memberikan berbagai In addition to salary provision, the Bank also offers various
jenis fasilitas dan benefit bagi karyawan yang jenis dan types of facilities and benefits to employees, the nature
besarannya disesuaikan dengan level jabatan karyawan. and magnitude of which are tailored to the employees’ job
Beberapa jenis fasilitas dan benefit yang diberikan OK BANK levels. Several types of facilities and benefits provided by
kepada karyawan selain gaji, antara lain: OK BANK to employees, apart from salary, include:
1. Manfaat Kesehatan Rawat Jalan. 1. Outpatient Health Benefits.
2. Manfaat Kesehatan Rawat Inap dengan Asuransi. 2. Inpatient Health Benefits with Insurance.
3. Tunjangan-tunjangan, seperti Tunjangan Jabatan, 3. Allowances such as Position Allowance, Transportation
Tunjangan Transportasi, Tunjangan Komunikasi, dll. Allowance, Communication Allowance, etc.
4. Fasilitas Pinjaman Karyawan. 4. Employee Loan Facilities.
5. Tunjangan Hari Raya, dan Tunjangan Akhir Tahun. 5. Holiday Allowance, and End-of-Year Allowance.
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RASIO GAJI TERTINGGI DAN TERENDAH HIGHEST AND LOWEST SALARY RATIOS
Dalam memberikan kompensasi kepada karyawannya, OK In providing compensation to its employees, OK BANK
BANK berpegang pada prinsip gaji adalah hak pegawai adheres to the principle that salary is the entitlement
yang diterima dan dinyatakan dalam bentuk uang sebagai of the employee received and expressed in monetary
imbalan dari perusahaan/pemberi kerja kepada pegawai terms as compensation from the company/employer
yang ditetapkan dan dibayarkan menurut suatu perjanjian to the employee as determined and paid according to
kerja, kesepakatan, atau peraturan perundang-undangan, an employment agreement, agreement, or statutory
termasuk tunjangan bagi pegawai dan keluarganya atas regulation, including allowances for employees and their
suatu pekerjaan dan/atau jasa yang telah dilakukannya. families for work and/or services rendered.
Gaji yang diperbandingkan dalam rasio gaji di bawah The salaries compared in the salary ratios below are
ini adalah imbalan yang diterima oleh anggota Dewan the remuneration received by members of the Board of
Komisaris, Direksi, dan karyawan per bulan. Karyawan Commissioners, Directors, and employees per month.
adalah pegawai tetap OK BANK, dari tingkat pelaksana Employees are permanent employees of OK BANK, from
hingga Kepala Divisi. the executive level to the Division Head.
Keterangan
2023 2022 2021
Description
Rasio Gaji Pegawai yang Tertinggi dan Terendah 0,95 21,40 21,47
Ratio of Highest and Lowest Employee Salary
Rasio Gaji Direksi yang Tertinggi dan Terendah 0,63 0,68 1,60
Highest and Lowest Salary Ratio of Directors
Rasio Gaji Komisaris yang Tertinggi dan Terendah 0,21 1,70 1,33
Highest and Lowest Commissioner Salary Ratio
Rasio Gaji Tertinggi Direksi dan Pegawai 0,66 0,63 1,44
Highest Salary Ratio of Directors and Employees
HUBUNGAN INDUSTRIAL INDUSTRIAL RELATIONS
Dalam rangka memajukan skala usaha Bank, Manajemen In order to advance the Bank’s business scale, Management
berupaya membangun hubungan industrial yang harmonis strives to foster harmonious industrial relations with all
dengan seluruh jajaran pegawai guna menciptakan suasana employees to create a conducive work environment
kerja yang kondusif dan memastikan berkelanjutannya and ensure sustained success in achieving high-quality
keberhasilan meraih kinerja Perusahaan yang berkualitas. Company performance. Management views employees as
Manajemen memandang pegawai sebagai mitra strategis, strategic partners; thus, policies, particularly in the field of
sehingga kebijakan–kebijakan khususnya di bidang SDM Human Resources related to welfare issues, are consistently
terkait masalah kesejahteraan senantiasa didiskusikan discussed together to obtain constructive input from
bersama-sama, guna mendapatkan masukan yang employees.
konstruktif dari pegawai.
Adapun untuk tahun 2023, total biaya tenaga kerja yang For the year 2023, the total labor costs incurred by the Bank
dikeluarkan Bank mencapai Rp92,9 (2022: 105,33 miliar). amounted to Rp92.9 (2022: 105.33 billion).
PENGELOLAAN KESELAMATAN DAN KESEHATAN MANAGEMENT OF OCCUPATIONAL SAFETY AND
KERJA HEALTH
Terciptanya lingkungan kerja yang aman, nyaman, sehat dan The creation of a safe, comfortable, healthy, and
bebas dari insiden kecelakaan kerja merupakan tujuan dari incident-free work environment is the goal of OK BANK’s
pengelolaan Aspek Keselamatan dan Kesehatan Kerja yang Management of Safety and Health at Work. To achieve
dijalankan OK BANK. Untuk mencapainya, Bank senantiasa this, the Bank constantly prepares mitigation measures
menyiapkan langkah-langkah mitigasi terhadap semua jenis against all types of risks that may have negative impacts
risiko yang dapat berdampak negatif terhadap kesehatan on the health and safety of employees, business partners,
dan keselamatan karyawan, mitra kerja, pelanggan, maupun customers, and visitors to the customer service facilities
para tamu yang berkunjung ke fasilitas layanan nasabah provided by the Bank.
yang disiapkan Bank.
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Sebagai wujud komitmen terhadap Kesehatan dan As a manifestation of its commitment to the Health and Safety
Keselamatan Kerja (K3) karyawannya, OK BANK at Work (K3) of its employees, OK BANK includes all policies
mencantumkan seluruh kebijakan mengenai pengelolaan regarding the management of K3 aspects in the Collective
aspek K3 dalam Perjanjian Kerja Bersama (PKB) Bank Labor Agreement (PKB) of the Bank with its employees. The
dengan karyawan. Bank menerapkan sistem manajemen Bank implements an integrated K3 management system
K3 yang terintegrasi dengan sistem manajemen Bank dan with the Bank’s management system, which is carried out in
dilaksanakan sesuai dengan peraturan perundang-undangan accordance with applicable regulations.
yang berlaku.
Adapun kebijakan dan sarana K3 yang telah diterapkan di Some of the K3 policies and facilities that have been
lingkungan Bank antara lain: implemented within the Bank’s environment include:
• Karyawan mengetahui prosedur menyelamatkan diri • Employees are aware of emergency evacuation
dalam keadaan darurat; procedures;
• Adanya informasi nomor telepon penting seperti • Availability of important telephone numbers such as
pemadam kebakaran, dan kepolisian; fire department and police;
• Kewajiban untuk menggunakan kartu identitas selama • Obligation to use identity cards while in the workplace;
di lingkungan kerja;
• Kewajiban identifikasi tamu tidak dikenal yang berada • Obligation to identify unknown guests within the Bank
dalam lokasi Bank; premises;
• Penyediaan fasilitas kesehatan asuransi jiwa dan • Provision of life insurance health facilities and employee
fasilitas pendukung kerja karyawan; support facilities;
• Pemeriksaan kesehatan badan dan kemampuan fisik • Health checks and physical capabilities of employees,
karyawan, salah satunya melalui medical check-up including routine medical check-ups;
secara rutin;
• Kewajiban pengecekan APAR secara rutin; • Routine inspection of fire extinguishers;
• Penyediaan ruang P3K; • Provision of first aid facilities;
• Penyediaan titik kumpul di area terbuka halaman depan • Provision of assembly points in the open areas of the
dan belakang kantor; front and back office;
• Terdapat sistem alarm dan smoke detector yang • Functional alarm systems and smoke detectors;
berfungsi dengan baik;
• Terdapat tangga darurat di area belakang gedung. • Emergency stairs in the rear building area.
Pelatihan Kondisi Darurat Emergency Condition Training
Selain menetapkan kebijakan, menyiapkan perangkat In addition to establishing policies and providing safety
keselamatan kerja, meliputi di antaranya: Kotak K3, APAR, equipment, including K3 boxes, fire extinguishers, and
petunjuk evakuasi hingga lokasi titik kumpul, Bank secara evacuation instructions to assembly points, the Bank
berkala menyelenggarakan latihan menghadapi dan periodically conducts training to deal with and overcome
mengatasi kondisi darurat. Kondisi darurat dimaksud adalah emergency conditions. The emergency conditions referred
terutama terjadinya risiko kebakaran, gempa bumi, dan to primarily include the risk of fire, earthquakes, and riots.
huru hara.
Kinerja K3 Tahun 2023 K3 Performance in 2023
Sebagaimana telah disebutkan sebelumnya, tujuan akhir dari As previously mentioned, the ultimate goal of OK BANK’s
upaya OK BANK mewujudkan lingkungan kerja yang layak efforts to create a decent and safe work environment in
dan aman sesuai kaidah K3 adalah tercapainya kondisi nihil accordance with K3 standards is to achieve zero accidents.
kecelakaan atau zero accident. Upaya tersebut membawa These efforts have yielded results, as reported in the
hasil, sebagaimana disampaikan pada tabel berikut: following table:
Tabel Kinerja K3 Tahun 2021-2023
OHS Performance Table 2021-2023
Tingkat Kecelakaan Kerja Ketidak Hadiran
Work Accident Rate Jumlah Hari Kerja Hilang
Tahun Pengawai
No Number of Lost
Year Ringan Sedang Berat Fatal/Kematian Employee
Workdays
Mild Moderate Severe Fatal Absenteeism
1 2023 Nihil Nihil Nihil Nihil 0 0
2 2022 Nihil Nihil Nihil Nihil 0 0
3 2023 Nihil Nihil Nihil Nihil 0 0
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MENJAGA KEPUASAN DAN LOYALITAS MAINTAINING CUSTOMER SATISFACTION AND
NASABAH LOYALTY
OK Bank menjadikan kepuasan pelanggan sebagai tujuan OK Bank regards customer satisfaction as the primary
penyelenggaraan kegiatan operasional yang bertanggung goal of responsible operational activities. The Bank is
jawab. Bank berkomitmen penuh untuk memberikan fully committed to providing excellent service to each
pelayanan yang prima bagi setiap pelanggan, mengingat customer, recognizing that delivering services that meet
layanan pelanggan yang sesuai dengan harapan dan their expectations and needs is a key strategy for winning
kebutuhan mereka menjadi salah satu strategi untuk in the competitive landscape. The Bank strives to maintain
memenangkan persaingan. Bank berupaya menjaga customer loyalty by providing professional, high-quality,
loyalitas para nasabah dengan menyediakan layanan yang and responsive services.
profesional, berkualitas dan cepat tanggap.
Bank mewujudkan komitmen pelaksanaan kegiatan The Bank fulfills its commitment to implementing social
tanggung jawab sosial terhadap nasabah dengan responsibility activities towards customers by adhering
menjalankan kebijakan internal dan pemenuhan terhadap to internal policies and complying with regulations that
peraturan dan perundang-undangan yang mengatur govern consumer protection. As part of its commitment to
perlindungan terhadap konsumen. Sebagai bagian dari customer responsibility, the Bank also ensures the provision
wujud komitmen terhadap tanggung jawab terhadap of excellent banking services according to established
nasabah, Bank juga memastikan pemberian layanan standards and ensures that it will address any complaints
perbankan berkualitas prima sesuai standar yang telah raised by its customers.
ditetapkan serta memastikan akan menangani setiap
keluhan yang disampaikan para nasabahnya.
Untuk menjaga keamanan data nasabah OK BANK To safeguard customer data, OK BANK provides education
memberikan edukasi kepada seluruh jajaran internal to all internal staff to always maintain the confidentiality
agar selalu menjaga kerahasiaan data nasabah, dan of customer data and designates specific officials as
menetapkan pejabat-pejabat tertentu sebagai pemegang authorized holders for accessing customer data during the
otorisasi pembukaan data nasabah saat menjalankan data verification process to evaluate the quality of credit
proses verifikasi data dalam rangka mengevaluasi kualitas provided or assess the eligibility of credit applications.
kredit yang diberikan, maupun mengevaluasi kelayakan These efforts are undertaken to ensure that customers feel
pemberian kredit yang diajukan. Upaya tersebut dijalankan comfortable and secure when transacting with the Bank.
agar nasabah merasa nyaman dan aman dalam bertransaksi The protection of customers’ personal data is carried out in
dengan Bank. Kegiatan pengamanan data pribadi para accordance with regulatory provisions, including:
nasabah tersebut dijalankan dengan mengacu pada
ketentuan-ketentuan regulator, mencakup:
1. Undang-Undang Republik Indonesia Nomor 27 tahun 1. Republic of Indonesia Law Number 27 of 2022
2022 tentang Perlindungan Data Pribadi. concerning Personal Data Protection.
2. Undang-Undang Republik Indonesia Nomor 8 Tahun 2. Republic of Indonesia Law Number 8 of 1999 concerning
1999 Tentang Perlindungan Konsumen. Consumer Protection.
3. Peraturan Otoritas Jasa Keuangan (POJK) Nomor 6/ 3. Financial Services Authority Regulation (POJK) Number
POJK.07/2022 tentang Perlindungan Konsumen Sektor 6/POJK.07/2022 concerning Consumer Protection in the
Jasa Keuangan. Financial Services Sector.
4. Peraturan Otoritas Jasa Keuangan (POJK) Nomor 18/ 4. Financial Services Authority Regulation (POJK) Number
POJK.07/2018 tentang Layanan Pengaduan Konsumen 18/POJK.07/2018 concerning Consumer Complaint
di Sektor Jasa Keuangan. Services in the Financial Services Sector.
5. Peraturan Otoritas Jasa Keuangan (POJK) Nomor 5. Financial Services Authority Regulation (POJK) Number
31/POJK.07/2020 tanggal 22 April 2020 perihal 31/POJK.07/2020 dated April 22, 2020 regarding the
Penyelenggaraan Layanan Konsumen dan Masyarakat Provision of Consumer and Community Services in
di Sektor Jasa Keuangan oleh Otoritas Jasa Keuangan. the Financial Services Sector by the Financial Services
Authority.
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INOVASI DAN PENGEMBANGAN PRODUK/JASA INNOVATION AND SUSTAINABLE FINANCIAL
KEUANGAN BERKELANJUTAN PRODUCT/SERVICE DEVELOPMENT
Dalam rangka memberikan layanan terbaik kepada nasabah, In order to provide the best service to its customers during
selama tahun 2023, OK BANK telah mengeluarkan berbagai the year 2023, OK BANK has introduced various new service
program layanan dan inovasi baru untuk nasabah. Antara programs and innovations for its customers. These include:
lain: Retail Loan Application berbasis mobile application a Retail Loan Application based on a mobile application
dilengkapi fitur E-KYC; Penerapan CREPASS atau kredit equipped with E-KYC features; the implementation of
skoring online; Aplikasi sistem BI FAST; dan Layanan QRIS CREPASS, or online credit scoring; the BI FAST system
password sidik jari dan layanan IB/MB lainnya. application; and QRIS services with fingerprint passwords
and other IB/MB services.
PRODUK/JASA YANG SUDAH DIEVALUASI EVALUATED SECURITY OF PRODUCTS/SERVICES
KEAMANANNYA
Seiring dengan perkembangan transformasi layanan Alongside the development of banking services
perbankan yang semakin didukung oleh berbagai aplikasi transformation increasingly supported by various
berbasis teknologi informasi, yakni layanan perbankan information technology-based applications, namely digital
digital, ancaman serangan siber yang dihadapi OK BANK banking services, the cyber threat faced by OK BANK is
semakin meningkat. Perkembangan ini menjadikan on the rise. This development makes information security
keamanan informasi merupakan hal yang krusial bagi OK crucial for OK BANK because there are several risks such as
BANK karena terdapat beberapa risiko seperti pencurian, theft, loss, misuse, and disclosure of data and information
kehilangan, penyalahgunaan, dan pengungkapan data serta that can damage the Bank’s reputation, besides resulting in
informasi yang dapat merugikan reputasi Bank, disamping legal claims and financial losses.
mengakibatkan tuntutan hukum dan kerugian finansial.
Untuk mengantisipasinya, Bank telah menetapkan prosedur To anticipate these risks, the Bank has established standard
standar keamanan informasi, sesuai standar sertifikasi ISO information security procedures, in accordance with ISO
27001:2013 yang telah diperoleh. Bank juga senantiasa 27001:2013 certification standards that have been obtained.
melaporkan dan mendaftarkan produk layanan baru yang The Bank also consistently reports and registers new service
diluncurkan kepada OJK, untuk memastikan evaluasi products launched to the OJK, to ensure their security
keamanannya. evaluation.
Selain telah terdaftar dan diawasi OJK, OK BANK juga bekerja In addition to being registered and supervised by the OJK,
sama dengan sejumlah perusahaan inovasi keuangan digital OK BANK also collaborates with several digital financial
(credit scoring and loan aggregator) yang terdaftar di OJK innovation companies (credit scoring and aggregators)
untuk mencegah risiko kejahatan siber dan finansial. registered with the OJK to prevent cyber and financial
crime risks.
DAMPAK PRODUK DAN JASA YANG DIBERIKAN IMPACT OF PRODUCTS AND SERVICES PROVIDED
Seperti produk dan layanan yang sudah ada sebelumnya, Like the previously existing products and services, OK BANK
OK BANK senantiasa memberikan informasi yang jelas consistently provides clear information about the products
mengenai produk dan inovasi yang dilakukan sehingga and innovations it offers, ensuring that customers feel
nasabah merasa aman dengan pilihannya. Dengan demikian, secure in their choices. Consequently, during the reporting
selama tahun pelaporan, tidak terdapat dampak negatif year, there were no negative impacts on the products and
atas produk dan jasa yang dikeluarkan OK BANK, termasuk services issued by OK BANK, including from the standpoint
dari sisi keamanan produk bagi nasabah. of product security for customers.
JUMLAH PRODUK YANG DITARIK KEMBALI NUMBER OF PRODUCTS WITHDRAWN
Pada tahun 2023 tidak terdapat produk dan layanan Bank In the year 2023, there were no Bank products and services
yang ditarik atau dibatalkan karena alasan tertentu. withdrawn or cancelled for any specific reasons.
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PENGADUAN NASABAH CUSTOMER COMPLAINTS
Sebagaimana disampaikan dalam Peraturan Bank Indonesia As stipulated in Bank Indonesia Regulation (BI) Number 10/10/
(BI) yaitu PBI Nomor 10/10/PBI/2008 tanggal 28 Februari PBI/2008 dated 28 February 2008 regarding amendments
2008 tentang perubahan atas PBI Nomor 7/7/PBI/2005 to BI Regulation Number 7/7/PBI/2005 concerning the
perihal Penyelesaian Pengaduan Nasabah dan Surat Edaran Resolution of Customer Complaints and the Financial Services
Otoritas Jasa keuangan (OJK) yaitu SEOJK Nomor 2/SEOJK Authority Circular Letter (OJK) Number 2/SEOJK 07/2014
07/2014 tanggal 14 Februari 2014 tentang Pelayanan dan dated 14 February 2014 concerning Services and Resolution
Penyelesaian Pengaduan Konsumen pada Pelaku Usaha Jasa of Consumer Complaints in Financial Services Businesses, the
keuangan, maka Bank diwajibkan untuk menginformasikan Bank is obliged to inform customers about the mechanism
mekanisme pelayanan dan penyelesaian pengaduan dan for service and resolution of complaints and POJK Regulation
POJK Nomor 18/POJK.07/2018 tentang Layanan pengaduan Number 18/POJK.07/2018 regarding Consumer Complaint
Konsumen di sektor Jasa Keuangan tanggal 10 September Services in the Financial Services sector dated 10 September
2018. Untuk itu, Bank telah menetapkan tata cara 2018. Therefore, the Bank has established procedures for
penyampaian pengaduan dan menunjuk unit yang bertugas submitting complaints and has designated a unit responsible
menyelesaikan seluruh pengaduan yang disampaikan. for resolving all complaints received.
Penyampaian mekanisme penyelesaian pengaduan ini Providing this mechanism for resolving complaints is one
merupakan salah satu bentuk peningkatan perlindungan way of enhancing customer protection to ensure the rights
nasabah dalam rangka menjamin hak-hak nasabah yang of customers relating to the bank are upheld.
berhubungan dengan bank.
Untuk memperoleh gambaran lengkap mengenai tata cara To gain a comprehensive understanding of the procedure
pengajuan pengaduan nasabah, berikut hal-hal yang perlu for customer complaint submissions, the following points
diketahui: need to be noted:
1. Pihak yang Berhak untuk Menyampaikan Pengaduan 1. Entities Authorized to Lodge Complaints:
Seluruh nasabah termasuk pemangku kepentingan All customers, including other stakeholders, have the
lainnya berhak untuk melaporkan pengaduan. right to report complaints. Complaints can be submitted
Pengaduan dapat disampaikan langsung oleh nasabah directly by customers or their representatives.
atau perwakilannya.
Apabila pengaduan nasabah disampaikan oleh If a customer’s complaint is lodged by a representative,
perwakilan nasabah harus disertai dengan dokumen it must be accompanied by the following documents:
sebagai berikut:
a. Fotokopi bukti identitas nasabah dan perwakilan a. Photocopy of the customer’s and representative’s
nasabah; identification.
b. Surat kuasa dari nasabah kepada perwakilan b. Power of attorney from the customer to the
nasabah yang menyatakan bahwa nasabah representative, stating that the customer authorizes
memberikan kewenangan bertindak untuk dan atas the representative to act on their behalf.
nama nasabah. If the customer’s representative is a legal entity,
Jika perwakilan nasabah adalah lembaga atau badan documentation indicating authorization from the
hukum maka harus dilampiri dengan dokumen yang competent authority to represent the entity must
menyatakan dari pihak berwenang untuk mewakili be attached.
lembaga dan/atau badan hukum tersebut.
2. Tata Cara Pengaduan Pengaduan Lisan yaitu pengaduan 2. Procedure for Oral Complaints:
melalui Telepon ke Customer Care di Nomor 150-112 Complaints can be oral, made by telephone to Customer
atau telepon ke Customer Service cabang. Pengaduan Care at Number 150-112, or by telephone to the branch’s
secara tertulis, yaitu pengaduan yang disampaikan oleh Customer Service. Complaints can also be in writing,
nasabah atau perwakilan nasabah dengan mengunjungi submitted by customers or their representatives by
kantor OK BANK, atau melalui sarana/media tertulis visiting an OK BANK office, or through written means
seperti surat yang dikirim ke kantor OK BANK melalui such as letters sent to an OK BANK office via post, OK
pos, website OK BANK, Media Sosial, surat kabar, BANK’s website, social media, newspapers, magazines,
Majalah atau melalui e-mail ke customercare@okbank. or via e-mail to customercare@okbank.co.id.
co.id.
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3. Jenis Pengaduan Pengaduan transaksional, yaitu 3. Types of Complaints
pengaduan yang berdampak pada kerugian secara Transactional complaints, impacting financial losses,
finansial. Pengaduan non transaksional, yaitu pengaduan and non-transactional complaints, not affecting
yang tidak berdampak pada kerugian secara finansial. financial losses.
4. Informasi dan Dokumen Pendukung Menyampaikan 4. Information and Supporting Documents
secara lengkap identitas nasabah, yaitu: nama, alamat, Providing complete customer identity details, including
nomor rekening (apabila ada), telepon yang dapat name, address, account number (if applicable), contact
dihubungi dan deskripsi singkat pengaduan serta telephone number, brief description of the complaint,
melampirkan dokumen pendukung yaitu dokumen and attachment of supporting documents relevant to
yang sesuai dengan jenis pengaduannya atau yang the type of complaint or the issue raised. Supporting
terkait dengan permasalahan yang diadukan, seperti: documents may include:
a. Fotokopi (sesuai asli) bukti identitas yang masih a. Photocopy (matching the original) of valid
berlaku (wajib); identification (mandatory).
b. Fotokopi (sesuai asli) buku tabungan/rekening b. Photocopy (matching the original) of passbooks/
koran, atau; account statements, or
c. Fotokopi (sesuai asli) bukti transaksi keuangan c. Photocopy (matching the original) of financial
terkait permasalahan yang diadukan atau; transaction evidence related to the raised issue, or
d. Fotokopi (sesuai asli) dokumen pendukung lainnya; d. Photocopy (matching the original) of other
supporting documents, or
e. Surat Kuasa dari Nasabah yang diwakili (dokumen e. Power of Attorney from the represented
tambahan untuk perwakilan nasabah); Customer (additional document for customer
representatives), or
f. Dan bukti lain yang dibutuhkan untuk penyelidikan. f. Other necessary evidence for investigation.
5. Penyelesaian Pengaduan 5. Resolution of Complaints
Bank akan menindaklanjuti pengaduan yang diajukan The Bank will follow up on customer complaints and
oleh nasabah dan akan diselesaikan dalam jangka aim to resolve them within 20 (twenty) working days,
waktu 20 (dua puluh) hari kerja dan dapat diperpanjang extendable by another 20 (twenty) working days in
sampai dengan 20 (dua puluh) hari kerja berikutnya certain circumstances. If the Bank intends to extend
dalam hal terdapat kondisi tertentu. Apabila bank the resolution period, it will inform the customer
akan memperpanjang jangka waktu penyelesaian beforehand, following applicable regulations, before
pengaduan, maka bank akan menginformasikan hal the initial 20 (twenty) working days elapse.
tersebut terlebih dahulu kepada nasabah dengan
memperhatikan ketentuan yang berlaku, sebelum
jangka waktu 20 (dua puluh) hari kerja pertama berakhir.
6. Hal-Hal yang harus Diperhatikan Agar pengaduan dapat 6. Considerations for Swift Resolution
segera diselesaikan oleh Bank, maka perlu diperhatikan To expedite the resolution of complaints by the Bank,
beberapa hal sebagai berikut: several factors need to be considered:
a. Tentukan inti permasalahan yang akan diadukan; a. Identify the core issue to be raised.
b. Siapkan dokumen pendukung yang terkait dengan b. Prepare supporting documents related to the raised
permasalahan yang akan diadukan; issue.
c. Simpan dengan baik dokumen-dokumen asli yang c. Safeguard original documents and provide
Anda miliki dan sampaikan kepada Bank photocopy photocopies along with the written complaint
dokumen tersebut bersamaan dengan pengajuan submission.
pengaduan tertulis;
d. Catat nomor registrasi yang diberikan Bank. Nomor d. Record the registration number provided by
registrasi tersebut digunakan untuk mengetahui the Bank, used to track the status of complaint
status penyelesaian pengaduan nasabah; resolution.
e. Simpan bukti e-mail jika pengaduan dilakukan e. Retain e-mail evidence if the complaint is submitted
melalui e-mail customercare@okbank.co.id; via e-mail to customercare@okbank.co.id.
f. Simpan dengan baik dokumen surat menyurat f. Keep correspondence with the Bank, including
dengan bank, termasuk surat hasil penyelesaian letters conveying the outcome of complaint
pengaduan yang disampaikan Bank kepada resolution sent by the Bank to the customer.
nasabah;
368 Laporan Tahunan 2023 Annual Report
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g. Pastikan nasabah membaca syarat dan ketentuan g. Ensure customers read the terms and conditions
yang berlaku dari setiap produk dan/atau layanan applicable to each product and/or service they
yang akan digunakan oleh nasabah. Pelayanan intend to use. Complaint resolution services are
penyelesaian pengaduan tidak dikenakan biaya provided free of charge.
apapun.
Selama tahun 2023 Bank menerima beberapa pengaduan Throughout the year 2023, the Bank received several
dari nasabah baik bersifat transaksional maupun non complaints from customers, both transactional and non-
transaksional yang seluruhnya telah diselesaikan. transactional, all of which have been resolved.
SURVEI KEPUASAN NASABAH CUSTOMER SATISFACTION SURVEY
OK Bank berkomitmen untuk memberikan layanan terbaik OK Bank is committed to providing the best service to all
bagi seluruh nasabahnya. Untuk mengetahui tingkat its customers. To gauge the level of customer satisfaction
kepuasan nasabah terhadap kualitas produk dan layanan regarding the quality of products and services provided,
yang telah diberikan, Bank berencana melakukan survei the Bank plans to conduct regular customer satisfaction
kepuasan nasabah secara berkala. surveys.
Pada tahun pelaporan OK BANK belum melakukan survei During the reporting year, OK BANK has not yet conducted
kepuasan nasabah tersebut, namun demikian Bank a customer satisfaction survey. Nevertheless, the Bank is
berkomitmen untuk terus melakukan upaya peningkatan committed to continuously improving the quality of its
kualitas produk dan layanan agar kepuasan nasabah dapat products and services to ensure customer satisfaction is
tetap terjaga. maintained.
VERIFIKASI PIHAK INDEPENDEN INDEPENDENT PARTY VERIFICATION
Laporan Keberlanjutan OK BANK ini belum dilakukan This OK BANK Sustainability Report has not been verified
verifikasi oleh pihak independen penyedia jasa assurance by an independent assurance services provider, while
(assurance services provider), sekalipun menyadari bahwa recognizing that verification by an independent party
verifikasi oleh pihak independen dapat meningkatkan can improve the quality and reliability of the information
kualitas dan keandalan informasi yang disampaikan dalam presented in this report. Nevertheless, the Bank guarantees
laporan ini. Namun demikian, Bank menjamin bahwa seluruh that all information disclosed in this report is true, accurate
informasi yang diungkapkan dalam laporan ini adalah benar, and factual.
akurat, dan faktual.
PT BANK OKE INDONESIA Tbk 369
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Lembar Umpan Balik
Feedback Sheet
Terima kasih atas kesediaan Bapak/Ibu/Saudara Thank you for your willingness to read this 2023
untuk membaca Laporan Keberlanjutan 2023 ini. Guna Sustainability Report. In order to improve the Sustainability
meningkatkan Laporan Keberlanjutan pada tahun-tahun Report in the coming years we hope for your willingness to
mendatang kami berharap kesediaan Bapak/Ibu/Saudara fill in the Feedback Sheet that has been
untuk mengisi Lembar Umpan Balik yang telah disiapkan, prepared, and send it back to us.
dan mengirimkannya kembali kepada kami.
1. Laporan Keberlanjutan ini telah memberikan informasi mengenai berbagai hal yang telah dilaksanakan PT Bank Oke
Indonesia, Tbk. dalam pemenuhan tanggung jawab sosial perusahaan.
This Sustainability Report has provided information on various topics that have been implemented by PT Bank Oke
Indonesia, Tbk. in fulfilling corporate social responsibility.
Setuju Tidak Setuju Tidak Tahu
Agree Disagree Don’t Know
2. Materi dalam Laporan Keberlanjutan ini termasuk data dan informasi yang disajikan mudah dimengerti dan dipahami.
Material in this Sustainability Report includes data and information presented that is easy to understand.
Setuju Tidak Setuju Tidak Tahu
Agree Disagree Don’t Know
3. Dalam Laporan Keberlanjutan ini, termasuk data dan informasi yang disajikan sudah cukup lengkap.
Data and information presented in this Sustainability Report is quite comprehensive.
Setuju Tidak Setuju Tidak Tahu
Agree Disagree Don’t Know
4. Materi dalam Laporan Keberlanjutan ini, termasuk data dan informasi yang disajikan dapat dipertanggungjawabkan
kebenarannya.
Material in this Sustainability Report, including the data and information presented, can be accounted for.
Setuju Tidak Setuju Tidak Tahu
Agree Disagree Don’t Know
5. Tampilan Laporan Keberlanjutan ini menarik, baik dari isi, desain dan tata letak, serta foto-fotonya.
The appearance of this Sustainability Report is attractive in terms of content, design and layout, as well as its photographs.
Setuju Tidak Setuju Tidak Tahu
Agree Disagree Don’t Know
Informasi apa saja yang dirasakan bermanfaat dari Laporan Keberlanjutan ini?
What information do you find useful from this Sustainability Report?
Informasi apa saja yang dirasakan kurang bermanfaat dari Laporan Keberlanjutan ini?
What information do you feel is not useful from this Sustainability Report?
Informasi apa saja yang dirasakan kurang dan harus dilengkapi dalam Laporan Keberlanjutan mendatang?
What information is felt lacking and must be completed in the future Sustainability Report?
Profil Anda | Your Profile
Nama Lengkap | Full Name:
Institusi/Perusahaan | Institution/Company:
E-mail:
Identifikasi Pemangku | Identification of Stakeholders :
Pemerintah/LSM/Masyarakat/Lain-Lain | Government/NGOs/Communities/Others
(pilih salah satu) (select one)
370 Laporan Tahunan 2023 Annual Report
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Tanggapan Terhadap Umpan Balik
Laporan Keberlanjutan Tahun
Sebelumnya
Response to Previous Year’s Sustainability Report Feedback
Selama tahun 2023, Bank belum menerima tanggapan dari During 2023, the Bank has not received any feedback from
para pembaca mengenai informasi dan konten dari Laporan readers regarding the information and content of the
Keberlanjutan yang diterbitkan di tahun sebelumnya, Sustainability Report published in the previous year, so
sehingga tidak ada tanggapan dari OK BANK yang harus there is no feedback from OK BANK to be presented in this
disampaikan dalam Laporan ini. Report.
Namun demikian, Bank senantiasa melakukan perbaikan However, the Bank continues to make improvements so
sebagai penyempurnaan agar Laporan ini dapat memenuhi that this Report can fulfill the provisions of POJK Number
ketentuan POJK Nomor 51/POJK.03/2017 dan SEOJK Nomor 51/POJK.03/2017 and SEOJK Number 16/SEOJK.04/2021
16/SEOJK.04/2021 yang menjadi acuan dalam penyusunan which serve as references in the preparation of the Report.
Laporan. Bank berharap Laporan ini dapat memberi manfaat The Bank hopes that this Report can provide benefits to
bagi pemangku kepentingan. stakeholders.
PT BANK OKE INDONESIA Tbk 371
Page 374
Laporan Keberlanjutan
Sustainability Report
Indeks Pemenuhan SE-OJK 16
Index of Compliance with SE-OJK 16
AR PT OK BANK Indonesia Tbk– 2023
KRITERIA PENJELASAN Halaman
CRITERIA EXPLANATION Page
UMUM | GENERAL
Laporan tahunan disajikan dalam bahasa Indonesia · Dicetak dengan kualitas yang baik
yang baik dan benar dan dianjurkan menyajikan · Memuat Nama Perusahaan di sampul muka, belakang, samping dan setiap
juga dalam bahasa Inggris. halaman
The annual report is presented in proper · Disajikan secara elektronik dalam format PDF
√
and correct Indonesian language and it is · Printed in good quality
recommended to also present it in English. · Contains the Company Name on the front, back, side covers and every
page
· Presented electronically in PDF format
IKHTISAR DATA KEUANGAN PENTING | OVERVIEW OF KEY FINANCIAL DATA
Ikhtisar Data Keuangan Penting memuat Informasi paling sedikit memuat antara lain:
informasi keuangan yang disajikan dalam Information at least contains, among others:
bentuk perbandingan selama 3 (tiga) tahun
buku atau sejak memulai usahanya jika Emiten 1) Pendapatan/penjualan; | Revenue/sales;
atau Perusahaan Publik tersebut menjalankan 2) Laba bruto; | Gross profit;
kegiatan usahanya kurang dari 3 (tiga) tahun,
paling sedikit memuat: 3) Laba (rugi); | Profit (loss);
The Important Financial Data Summary contains
4) jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas induk
financial information presented in a comparative
dan kepentingan non pengendali;
format for 3 (three) fiscal years or since the 10
Total profit (loss) attributable to owners of the parent entity and non-
commencement of business if the Issuer or Public
controlling interests;
Company has been conducting its business for
less than 3 (three) years, at least including: 5) Total laba (rugi) komprehensif; | Total comprehensive profit (loss);
6) Jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada
pemilik entitas induk dan kepentingan non pengendali;
Total comprehensive profit (loss) attributable to owners of the parent
entity and non-controlling interests;
7) Laba (rugi) per saham; | Earnings (loss) per share;
8) Jumlah aset; | Total assets;
9) Jumlah liabilitas; | Total liabilities; 10
10) Jumlah ekuitas; | Total equity;
11) Rasio laba (rugi) terhadap jumlah aset; | Ratio of profit (loss) to total assets;
12) Rasio laba (rugi) terhadap ekuitas; | Ratio of profit (loss) to equity;
13) Rasio laba (rugi) terhadap pendapatan/penjualan; | Ratio of profit (loss) to
revenue/sales;
14) Rasio lancar; | Current ratio;
10
15) Rasio liabilitas terhadap ekuitas; | Ratio of liabilities to equity;
16) Rasio liabilitas terhadap jumlah aset; dan | Ratio of liabilities to total assets;
and
17) Informasi dan rasio keuangan lainnya yang relevan dengan Emiten atau
Perusahaan Publik dan jenis industrinya; | Other financial information and
ratios relevant to the Issuer or Public Company and its industry;
INFORMASI SAHAM | SHARE INFORMATION
Informasi saham Perusahaan dengan lengkap sesuai ketentuan.:
Share information for company should at least contain:
1. Saham yang telah diterbitkan untuk setiap masa triwulan yang disajikan 17
dalam bentuk perbandingan selama 2 (dua) tahun buku terakhir.
2. Aksi korporasi yang menyebabkan terjadinya perubahan pada saham 18
3. Suspensi saham dan alasan suspensi N/A
4. Penjelasan suspensi telah dicabut atau belum. N/A
1. Shares issued for each quarterly period presented in comparative form for
the last 2 (two) financial years.
2. Corporate actions that cause changes in shares
3. Suspension of shares and reasons for suspension
4. Explanation of whether the suspension has been lifted or not.
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KRITERIA PENJELASAN Halaman
CRITERIA EXPLANATION Page
Informasi mengenai obligasi, sukuk atau obligasi Catatan: apabila perusahaan tidak memiliki obligasi/sukuk/obligasi
konversi yang masih beredar dalam 2 (dua) tahun konversi,agar diungkapkan.
buku terakhir Note: if the company did not have bonds/sukuk/convertible bonds, it had to
N/A
Information on bonds, sukuk or convertible bonds be disclosed.
that were still outstanding in the last 2 (two)
financial years.
LAPORAN DEWAN KOMISARIS DAN DIREKSI | BOARD OF COMMISSIONERS AND DIRECTORS REPORT
Laporan Dewan Komisaris Laporan Dewan Komisaris paling sedikit memuat uraian singkat mengenai:
Board of Commissioners Report The report of the Board of Commissioners should at least contain a brief
description about:
1. Penilaian terhadap kinerja Direksi
29
Assessment of the performance of the Board of Directors
2. Pandangan atas prospek usaha; dan
27-28, 30
Views on the business prospects
3. Pandangan atas penerapan tata kelola
30
Views on the implementation of the governance
4. Perubahan komposisi Dewan Komisaris (jika ada)
32
Changes in the composition of the Board of Commissioners (if any)
Laporan Direksi Laporan Direksi paling sedikit memuat uraian singkat mengenai:
Board of Directors’ Report The Board of Directors' report should at least contain a brief description of:
1. Kinerja Perusahaan, paling sedikit memuat:
Performance of Companies, at least containing:
a. Strategi | strategy 38
b. Peranan Direksi dalam perumusan strategi
38
The role of the Board of Directors in formulating strategies
c. implementasi strategi | the implementation of the strategy; 38
d. Perbandingan antara hasil dengan target ; dan
39
Comparison between the results achieved with targeted; and
e. Kendala yang dihadapi; | Constraints faced 37
f. Perkembangan perekonomian dan target pasar;
35-37
Economic development and target market;
g. Sumber daya manusia I Human resources 88
2. Prospek usaha; dan | business prospects; and 40
3. Penerapan tata kelola. | Implementation of the governance 40
4. Perubahan komposisi anggota Direksi (jika ada)
41
Changes in the composition of the BOD
Tanda tangan anggota Direksi dan Dewan Dibuat terpisah dan disajikan sesuai ketentuan:
Komisaris Separately prepared and presented as required:
43
Signatures of members of the Board of Directors
and Board of Commissioners
PROFIL PERUSAHAAN | COMPANY PROFILE
Nama dan alamat lengkap perusahaan Disajikan dengan lengkap
46
Company name and full address Presented in full
Riwayat singkat Perusahaan Publik; Disajikan dengan lengkap, termasuk keterangan jika ada perubahan nama
Brief history of the Company perusahaan 47
Presented in full, including information if there is a change in company name
Visi, Misi, dan Budaya Perusahaan Disajikan dengan lengkap, termasuk persetujuan Dewan Komisaris
57
Vision, Mission and Corporate Culture Presented in full, including Board of Commissioners approval
Bidang usaha Uraian kegiatan usaha yang dijalankan:
50-53
Business fields Description of business activities carried out:
Wilayah Operasional Disajikan dalam bentuk peta.
54-55
Operational Area Presented in map form
Struktur Organisasi Struktur organisasi sampai Kepala Divisi
58
Organizational structure Organizational structure up to the Head of Division
Keanggotaan Asosiasi | Association Member
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KRITERIA PENJELASAN Halaman
CRITERIA EXPLANATION Page
Profil Dewan Komisaris Profil Dewan Komisaris, disampaikan lengkap sesuai ketentuan
Board of Commissioners Profile Profile of the Board of Commissioners, submitted in full in accordance with 60-65
the provisions
Profil Direksi Profil Direksi, disampaikan lengkap sesuai ketentuan
Board of Directors Profile Profile of the Board of Directors, submitted in full in accordance with the 66-72
provisions
Jumlah karyawan dan data pengembangan Jumlah karyawan menurut jenis kelamin, jabatan, usia, tingkat pendidikan, dan
kompetensi karyawan status ketenagakerjaan (tetap/kontrak) dalam tahun buku; 76-78,
Number of employees and data on employee Number of employees by gender, position, age, education level, and 90-106
competency development. employment status (permanent/ contracted) in the financial year;
Komposisi pemegang saham Nama pemegang saham dan persentase kepemilikan pada awal dan akhir
Composition of shareholders tahun buku, disampaikan lengkap sesuai ketentuan.
78
Name of shareholders and percentage of ownership at the beginning and end
of the financial year, submitted in full in accordance with the provisions.
Pemegang saham utama dan pengendali Informasi mengenai pemegang saham utama dan pengendali
80
Major and controlling shareholders Information regarding the main and controlling shareholders
Daftar entitas anak dan/atau entitas asosiasi Nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama
80
List of subsidiaries and/or associated entities The name of the subsidiary, associated company, joint venture company
Nama dan alamat entitas anak dan/atau kantor Disampaikan sesuai ketentuan
cabang atau kantor perwakilan (jika ada) Disclosed as required
80
Name and address of the subsidiary and/or
branch office or representative office (if any)
Struktur grup perusahaan Struktur grup perusahaan dalam bentuk bagan
80
Company group structure Company group structure in the form of a chart
Kronologi pencatatan saham Kronologis pencatatan saham, jumlah saham, nilai nominal, dan harga
Share listing chronology penawaran dari awal pencatatan hingga akhir tahun buku
81-83
Chronology of share listing, number of shares, nominal value, and offering price
from the beginning of listing to the end of the financial year
Kronologis penerbitan efek lainnya. Disampaikan sesuai ketentuan, Jika Ada
84
Chronology of securities issuance Disclosed as required, if any
Informasi penggunaan jasa akuntan publik (AP) Disampaikan lengkap sesuai ketentuan
dan kantor akuntan publik (KAP) Disclosed in full as required
84
Information on the use of public accountants (AP)
and public accounting firms (KAP)
Nama dan alamat lembaga dan/atau profesi Disampaikan lengkap sesuai ketentuan
penunjang Disclosed in full as required
84
Name and address of supporting institutions and/
or professions
Penghargaan yang diterima dalam tahun buku Disampaikan lengkap sesuai ketentuan
terakhir dan/atau sertifikasi yang masih berlaku. Disclosed in full as required
Awards received in the last financial year and/ 19
or certifications that are still valid in the last
financial year
ANALISA DAN PEMBAHASAN MANAJEMEN ATAS KINERJA PERUSAHAAN I MANAGEMENT DISCUSSION AND ANALYSIS ON COMPANY PERFORMANCE
Tinjauan operasi per segmen usaha Tinjauan operasi per segmen usaha sesuai dengan jenis industri Emiten atau
Operational review by business segment Perusahaan Publik. 125-127
Operational review per business segment according to the type of industry
Uraian atas kinerja keuangan perusahaan Disampaikan sesuai lengkap, meliputi pembahasan: Aset, Liabilitas, Ekuitas,
Description of the company’s financial Rugi/Laba, Arus Kas
133-143
performance Disclosed in full, including discussion of: Assets, Liabilities, Equity, Loss/Profit,
Cash Flow
Bahasan kemampuan membayar utang dan Disampaikan lengkap sesuai ketentuan
tingkat kolektibilitas piutang perusahaan Disclosed in full as required
Discussion and analysis of abilities To pay debts 143
and the collectibility level of the company’s
receivables
Bahasan tentang struktur modal Disampaikan lengkap sesuai ketentuan
144-145
Discussion on capital structure Disclosed in full as required
Bahasan mengenai ikatan yang material untuk Jika tidak ada Ikatan, disampaikan.
investasi barang modal If there is no commitment, disclosed
145
Discussion on material commitments for capital
goods investment
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KRITERIA PENJELASAN Halaman
CRITERIA EXPLANATION Page
investasi barang modal Jika tidak ada Realisasi, disampaikan.
145
investment in capital goods realized If there is no realization, disclosed
Bahasan Target VS Realisasi dan Proyeksi Meliputi: Pendapatan, Laba (Rugi), Struktur modal, Pemasaran dan lainnya
the target with the results achieved and Includes: Revenue, Profit (Loss), Capital structure, Marketing, etc. 146-147
Projection
Informasi dan fakta material yang terjadi setelah Jika tidak ada, disampaikan.
tanggal laporan akuntan If there is not any, disclosed
149
Material information and facts occurring after the
date of the accountant’s report
Prospek usaha perusahaan Disampaikan lengkap sesuai ketentuan
153-156
Description of the company’s business prospects Disclosed in full as required
Uraian aspek pemasaran Disampaikan lengkap sesuai ketentuan
151
Description of the marketing aspect Disclosed in full as required
Uraian mengenai dividen selama 2 (dua) tahun Jika tidak membagikan dividen, jelaskan.
buku terakhir. If no dividend is paid, explained
147
Description of dividends for the last 2 (two)
financial years
Realisasi penggunaan dana hasil penawaran Hanya jika masih diwajibkan di tahun buku
umum Only if still required in the financial year
147-149
Realization of the use of proceeds from the public
offering
Informasi material mengenai investasi, Disampaikan lengkap sesuai ketentuan
ekspansi, divestasi, penggabungan/peleburan Jika tidak ada informasi dimaksud, diungkapkan.
usaha, akuisisi, restrukturisasi utang/modal, Disclosed in full as required
transaksi material, transaksi afiliasi, dan If there is no such information, disclosed.
transaksi benturan kepentingan, yang terjadi
pada tahun buku
149
Material information regarding investment,
expansion, divestment, business merger/
consolidation, acquisition, debt/capital
restructuring, material transactions, affiliated
transactions, and conflict of interest transactions,
which occurred in the financial year.
Uraian mengenai perubahan peraturan Disampaikan lengkap sesuai ketentuan
perundang-undangan terhadap perusahaan pada Jika tidak ada informasi dimaksud, diungkapkan.
tahun buku terakhir Disclosed in full as required
150
A description of changes in the laws and If there is no such information, disclosed.
regulations of the company in the last financial
year
Uraian mengenai perubahan kebijakan akuntansi Disampaikan lengkap sesuai ketentuan
yang diterapkan perusahaan pada tahun buku Disclosed in full as required
terakhir
150
A description of the changes in accounting
policies adopted by the company in the last
financial year
TATA KELOLA PERUSAHAAN | GOOD CORPORATE GOVERNANCE
Rapt Umum Pemegang Saham (RUPS) Disampaikan lengkap sesuai ketentuan
163
General Meeting of Sharehoders Disclosed in full as required
Direksi Disampaikan lengkap sesuai ketentuan, meliputi:
Directors Tugas & tanggung Jawab; Piagam Direksi; Rapat, Frekuensi Rapat & Agenda
Rapat; Kehadiran Rapat; Pelatihan; Penilaian Kinerja
Disclosed in full as required, including: 182-192
Duties & Responsibilities; Board of Directors Charter; Meetings, Meeting
Frequency & Meeting Agenda; Meeting Attendance; Training; Performance
Appraisal.
Dewan Komisaris Disampaikan lengkap sesuai ketentuan, meliputi:
Board of Commissioners Tugas & tanggung Jawab; Piagam Dewan Komisaris; Rapat, Frekuensi Rapat &
Agenda Rapat; Kehadiran Rapat; Pelatihan; Penilaian Kinerja ; Penilaian Kinerja
Komite
175-182
Disclosed in full as required, including:
Duties & Responsibilities; Board of Commissioners Charter; Meetings, Meeting
Frequency & Meeting Agenda; Meeting Attendance; Training; Performance
Appraisal; Committee Performance Appraisal.
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KRITERIA PENJELASAN Halaman
CRITERIA EXPLANATION Page
Nominasi dan remunerasi Direksi dan Dewan Disampaikan lengkap sesuai ketentuan
Komisaris Disclosed in full as required
193
Nomination and remuneration of the Board of
Directors and the Board of Commissioners
Komite audit Disampaikan lengkap sesuai ketentuan, meliputi:
Audit committee CV Anggota Komite; Tugas & tanggung Jawab; Piagam Komite Audit; Rapat,
Frekuensi Rapat & Agenda Rapat; Kehadiran Rapat; Pelatihan; Realisasi
Pelaksanaan Tugas Komite Audit.
197-201
Disclosed in full as required, including:
CV of Committee Members; Duties & Responsibilities; Audit Committee
Charter; Meetings, Meeting Frequency & Meeting Agenda; Meeting
Attendance; Training; Realization of Audit Committee Duties.
Fungsi Nominasi dan Remunerasi Disampaikan lengkap sesuai ketentuan, meliputi:
Function Nomination and Remuneration Tugas & tanggung Jawab; Realisasi Pelaksanaan Fungsi Nominasi & Remunerasi
Disclosed in full as required, including: 206-209
Duties & Responsibilities; Realization of Nomination & Remuneration Function
Implementation
Komite Manajemen Risiko Disampaikan lengkap sesuai ketentuan, meliputi:
Risk Management Committee CV Anggota Komite; Tugas & tanggung Jawab; Piagam Komite Audit; Rapat,
Frekuensi Rapat & Agenda Rapat; Kehadiran Rapat; Pelatihan; Realisasi
Pelaksanaan Tugas Komite Manajemen Risiko
202-206
Disclosed in full as required, including:
CV of Committee Members; Duties & Responsibilities; Audit Committee
Charter; Meetings, Meeting Frequency & Meeting Agenda; Meeting
Attendance; Training; Realization of Audit Committee Duties.
Sekretaris perusahaan Disampaikan lengkap sesuai ketentuan, meliputi:
Company secretary CV Sekretaris Perusahaan; Tugas & tanggung Jawab; Pelatihan; Realisasi
Pelaksanaan Tugas Sekretaris Perusahaan
223-225
Disclosed in full as required, including:
CV of Corporate Secretary; Duties & Responsibilities; Training; Realization of
Corporate Secretary's Duties
Unit Audit Internal Disampaikan lengkap sesuai ketentuan, meliputi:
Internal Audit Unit CV Unit Audit Internal; Piagam Internal Audit; Tugas & tanggung Jawab;
Kualifikasi Audit Internal; Struktur & Kedudukan; Pelatihan; Realisasi
Pelaksanaan Tugas Internal Audit
226-231
Disclosed in full as required, including:
CV Internal Audit Unit; Internal Audit Charter; Duties & Responsibilities;
Internal Audit Qualifications; Structure & Position; Training; Internal Audit Task
Implementation Realization
Penerapan Fungsi Kepatuhan Disampaikan lengkap sesuai ketentuan
232-240
Implementation of Compliance Function Disclosed in full as required
Sistem Pengendalian Internal (Internal Control) Disampaikan lengkap sesuai ketentuan
A description of the internal control system, Disclosed in full as required
Akuntan Publik Disampaikan lengkap sesuai ketentuan
242-244
Public Accountant Disclosed in full as required
Uraian sistem pengendalian internal Disampaikan lengkap sesuai ketentuan
242
A description of the internal control system, Disclosed in full as required
Sistem manajemen risiko yang diterapkan oleh Disampaikan lengkap sesuai ketentuan, meliputi:
Emiten Atau Perusahaan Publik Sistem Manajemen Risiko; Jenis Risiko & mitigasi; Evaluasi Efektivitas
The risk management system implemented by the Manajemen Risiko; Kecukupan Sistem Manajemen Risiko.
269-312
Issuer or Public Company Disclosed in full as required, including:
Risk Management System; Types of Risk & mitigation; Evaluation of Risk
Management Effectiveness; Adequacy of Risk Management System.
Perkara hukum yang berdampak material yang Disampaikan lengkap sesuai ketentuan
dihadapi oleh emiten atau perusahaan publik, Disclosed in full as required
entitas anak, Anggota direksi dan anggota dewan
komisaris (jika ada),
247-255
Legal cases that have a material impact faced
by the issuer or public company, subsidiaries,
members of the board of directors and members
of the board of commissioners (if any),
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KRITERIA PENJELASAN Halaman
CRITERIA EXPLANATION Page
Informasi tentang sanksi administratif/sanksi Disampaikan lengkap sesuai ketentuan
terhadap emiten atau perusahaan publik, Anggota Jika Tidak ada sanksi, nyatakan.
dewan komisaris dan anggota direksi, Jika ada Disclosed in full as required
Information on administrative sanctions/ If there is no sanction, disclose. 255
sanctions imposed on public companies, members
of the board of commissioners and members of
the board of directors, (if any)
Akses informasi dan data perusahaan: Disampaikan lengkap sesuai ketentuan
256
Access on Information and Corporate Data Disclosed in full as required
Informasi mengenai kode etik Emiten atau Disampaikan lengkap sesuai ketentuan, meliputi:
Perusahaan Publik Pokok-pokok Kode Etik; Pemberlakuan Kode Etik; Sosialisasi Kode Etik; Sanksi
Information regarding the code of conduct of the Pelenggaran Kode Etik; Jumlah Pelanggaran & Sanksi diberikan.
Issuer or Public Company Jika Tidak ada pelanggaran, nyatakan.
Disclosed in full as required, including: 257-258
Principles of the Code of Ethics; Enforcement of the Code of Ethics; Socialization
of the Code of Ethics; Sanctions for Violation of the Code of Ethics; Number of
Violations & Sanctions given.
If there is no violation, state.
Uraian singkat mengenai kebijakan pemberian Disampaikan lengkap sesuai ketentuan.
Kompensasi jangka panjang berbasis kinerja Jika Tidak ada, nyatakan.
kepada manajemen dan/atau karyawan yang Disclosed in full as required
dimiliki oleh emiten Atau perusahaan publik (jika If there is not any, disclose
ada), antara lain berupa Program kepemilikan
256
saham oleh manajemen
management stock ownership program/msop)
dan/atau Program kepemilikan saham oleh
karyawan (employee Stock ownership program/
esop);
Uraian singkat mengenai kebijakan pengungkapan Disampaikan lengkap sesuai ketentuan.
Informasi Disclosed in full as required 245-246
Brief description of Information disclosure policy
Uraian mengenai sistem pelaporan pelanggaran Disampaikan lengkap sesuai ketentuan, meliputi:
(whistleblowing system) di Emiten atau Cara Pelaporan; Perlindungan Pelapor; Penanganan Pengaduan; Pengelola
Perusahaan Publik WBS; Hasil Penanganan Pengaduan
Description of the whistleblowing system at the Jika Tidak ada Pelaporan dan WBS, nyatakan.
259
Issuer or Public Company Disclosed in full as required, including:
How to Report; Whistleblower Protection; Complaint Handling; WBS Manager;
Complaint Handling Results.
If there is no Reporting and WBS, disclose.
Uraian mengenai kebijakan anti korupsi Emiten Disampaikan lengkap sesuai ketentuan, meliputi:
atau Perusahaan Publik Cara Pencegahan dan Penanganan; Pelatihan/Sosialisasi Anti Korupsi
Description of the Issuer’s or Public Company’s Jika Tidak ada Kebijakan Anti Korupsi, nyatakan.
259-260
anti- corruption policy Disclosed in full as required, including:
Ways of Prevention and Handling; Anti-Corruption Training/Socialization
If there is no Anti-Corruption Policy, disclose.
Penerapan atas pedoman tata kelola Perusahaan Disampaikan lengkap sesuai ketentuan.
Terbuka bagi Emiten yang menerbitkan efek Disclosed in full as required
bersifat ekuitas atau Perusahaan Publik
260-265
Implementation of Public Company governance
guidelines for Issuers issuing equity securities or
Public Companies
Penilaian Penerapan GCG untuk tahun buku Disampaikan lengkap sesuai ketentuan, meliputi:
2023 yang meliputi paling kurang aspek Dewan Kriteria Penilaian; Pelaksana Penilaian; Skor Penilaian; Rekomendasi Penilai; dan
Komisaris dan Direksi Alasan belum dilaksanakannya rekomendasi
GCG Implementation Assessment for the financial Disclosed in full as required, including: 265-268
year 2023 which included at least aspects of Assessment Criteria; Assessment Implementation; Assessment Score;
the Board of Commissioners and the Board of Assessment Recommendation; and Reasons for not implementing the
Directors recommendation.
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KRITERIA PENJELASAN Halaman
CRITERIA EXPLANATION Page
TANGGUNG JAWAB SOSIAL DAN LINGKUNGAN PERUSAHAAN I CORPORATE SOCIAL RESPONSIBILITY
1. Informasi yang diungkapkan sesuai Peraturan Otoritas Jasa Keuangan
Nomor 51/POJK.03/2017.
√
Information disclosed in accordance with Financial Services Authority
Regulation Number 51/POJK.03/2017.
2. Laporan Keberlanjutan Sesuai ketentuan Lampiran II SEOJK 16/2021
Sustainability Report in accordance with the provisions of Appendix II √
SEOJK 16/2021.
3. Laporan Keberlanjutan (Sustainability Report) dapat disajikan terpisah.
√
Sustainability Report can be presented separately.
4. Laporan Keberlanjutan Terpisah harus mengikuti format Lampiran II SEOJK
16/2021 dan POJK 51/POJK.03/2017.
Disampaikan bersamaan dengan Laporan Tahunan.
√
Separate Sustainability Report must follow the format of Appendix II
SEOJK 16/2021 and POJK 51/POJK.03/2017.
Submitted together with the Annual Report.
INFORMASI KEUANGAN | FINANCIAL INFORMATION
Disampaikan lengkap sesuai ketentuan, meliputi:
Opini Auditor; Pernyataan Direksi; Laporan
Keuangan Lengkap, yakni: Neraca, Rugi Laba,
Ekuitas, Arus Kas, dan Catatan Laporan Keuangan.
Delivered completely in accordance with the
√
provisions, including:
Auditor’s Opinion; Directors’ Statement;
Complete Financial Statements, namely: Balance
Sheet, Profit Loss, Equity, Cash Flow, and Notes to
Financial Statements.
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Daftar Indeks Referensi - POJK 51/17
SR Session PT OK BANK Indonesia Tbk - 2023
Reference Index List - POJK 51/17
SR Session PT OK BANK Indonesia Tbk - 2023
Keterangan Halaman
No
Description Page
Strategi Keberlanjutan
A
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan
326
Explanation of Sustainability Strategy
Ikhtisar Kinerja Keberlanjutan
B
Sustainability Performance Overview
B.1 Aspek Ekonomi
Economic Aspect
a) Kuantitas produksi atau jasa yang dijual
Quantity of production or services sold
b) Pendapatan atau penjualan
322
Revenue or sales
c) Laba atau rugi bersih;
Net profit or loss;
d) Produk ramah lingkungan; dan
Environmentally friendly products; and
e) Pelibatan pihak lokal yang berkaitan dengan proses bisnis keuangan berkelanjutan.
Involvement of local parties related to the sustainable finance business process.
B.2 Aspek Lingkungan Hidup
Environmental Aspects
a) Penggunaan energi (antara lain listrik dan air);
Energy use (including electricity and water);
b) Pengurangan emisi yang dihasilkan;
324
Reduction of emissions generated;
c) Pengurangan limbah dan efluen;
Reduction of waste and effluents;
d) Pelestarian keanekaragaman hayati.
Preservation of biodiversity.
B3. Aspek Sosial
Social Aspects
Uraian mengenai dampak positif dan negatif dari penerapan Keuangan Berkelanjutan bagi masyarakat dan 323
lingkungan
Description of the positive and negative impacts of implementing Sustainable Finance on society and the
environment.
Profil Singkat
C
Brief Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan
327
Vision, Mission, and Sustainability Values
C.2 Nama, alamat, nomor telepon, nomor faksimili, alamat surat elektronik (e-mail), dan situs web LJK, Emiten, dan
Perusahaan Publik, serta kantor cabang dan/atau kantor perwakilan
46
Name, address, telephone number, facsimile number, e-mail address, and website of the Financial Institution,
Issuer and Public Company, as well as branch and/or representative offices
PT BANK OKE INDONESIA Tbk 379
Page 382
Laporan Keberlanjutan
Sustainability Report
Keterangan Halaman
No
Description Page
C.3 Skala Perusahaan
Scale of the Company
a) Total Aset atau Kapitalisasi Aset, dan Total Kewajiban
12
Total Assets or Capitalized Assets, and Total Liabilities
b) Jumlah Karyawan
76
Number of Employees
c) Persentase Kepemilikan Saham
78
Percentage of Share Ownership
d) Wilayah Operasional.
54
Operational Area.
C.4 Penjelasan singkat mengenai produk, layanan, dan kegiatan usaha yang dijalankan;
51
Brief description of products, services and business activities;
C.5 Keanggotaan pada asosiasi;
56
Membership in associations;
C.6 Perubahan signifikan, antara lain terkait dengan penutupan atau pembukaan cabang, dan struktur kepemilikan.
56
Significant changes, among others related to the closure or opening of branches, and ownership structure.
Penjelasan Direksi memuat:
D
The explanation of the Board of Directors contains:
D.1 a Kebijakan untuk merespons tantangan dalam pemenuhan strategi keberlanjutan, paling sedikit meliputi:
Policies to respond to challenges in fulfilling the sustainability strategy, at least including:
1) Penjelasan nilai keberlanjutan bagi perusahaan;
Explanation of the value of sustainability to the company;
2) Penjelasan respons perusahaan terhadap isu terkait penerapan keuangan berkelanjutan;
Explanation of the company's response to issues related to the implementation of sustainable
finance;
3) Penjelasan komitmen pimpinan LJK, emiten, dan perusahaan publik dalam pencapaian penerapan
keuangan berkelanjutan; 41
Explanation of the commitment of the leadership of FSIs, issuers and public companies in achieving
the implementation of sustainable finance;
4) Pencapaian kinerja penerapan keuangan berkelanjutan; dan
Achievement of performance in the implementation of sustainable finance; and
5) Tantangan pencapaian kinerja penerapan keuangan berkelanjutan.
Challenges in achieving performance in the implementation of sustainable finance.
b Penerapan Keuangan Berkelanjutan, paling sedikit meliputi:
Implementation of Sustainable Finance, at least including:
1) Pencapaian kinerja penerapan keuangan berkelanjutan (ekonomi, sosial, dan lingkungan hidup)
dibandingkan dengan target; dan
Performance achievement of the implementation of sustainable finance (economic, social, and
41
environmental) compared to the target; and
2) Penjelasan prestasi dan tantangan termasuk peristiwa penting selama periode pelaporan (bagi LJK
yang diwajibkan membuat rencana aksi keuangan berkelanjutan).
Explanation of achievements and challenges including significant events during the reporting period
(for FSIs required to prepare a sustainable finance action plan).
c. Strategi pencapaian target, paling sedikit meliputi:
The strategy for achieving the target includes, at least include:
1) Pengelolaan risiko atas penerapan keuangan berkelanjutan terkait aspek ekonomi, sosial, dan
lingkungan hidup;
Risk management on the implementation of sustainable finance related to economic, social, and
environmental aspects;
2) Pemanfaatan peluang dan prospek usaha; dan
42
Utilization of business opportunities and prospects; and
3) Penjelasan situasi eksternal ekonomi, sosial, dan lingkungan hidup yang berpotensi mempengaruhi
keberlanjutan LJK, emiten, dan perusahaan publik.
Explanation of the external economic, social and environmental situation that has the potential to
affect the sustainability of FSIs, issuers and public companies.
380 Laporan Tahunan 2023 Annual Report
Page 383
Keterangan Halaman
No
Description Page
Tata Kelola Keberlanjutan memuat:
E
Sustainability Governance contains:
E.1 Uraian mengenai tugas bagi Direksi dan Dewan Komisaris, pegawai, pejabat dan/atau unit kerja yang menjadi
penanggung jawab penerapan Keuangan Berkelanjutan.
336
Description of duties for members of the Board of Directors and Board of Commissioners, employees, officials
and/or work units that are responsible for implementing Sustainable Finance.
E.2 Penjelasan mengenai pengembangan kompetensi yang dilaksanakan terhadap anggota Direksi, anggota
Dewan Komisaris, pegawai, pejabat dan/atau unit kerja yang menjadi penanggung jawab penerapan Keuangan
Berkelanjutan.
333
An explanation of the competency development carried out for members of the Board of Directors, members
of the Board of Commissioners, employees, officials and/or work units responsible for implementing
Sustainable Finance.
E.3 Penjelasan mengenai prosedur LJK, Emiten, dan Perusahaan Publik dalam mengidentifikasi, mengukur,
memantau, dan mengendalikan risiko atas penerapan Keuangan Berkelanjutan terkait aspek ekonomi, sosial, dan
Lingkungan Hidup, termasuk peran Direksi dan Dewan Komisaris dalam mengelola, melakukan telaah berkala,
dan meninjau efektivitas proses manajemen risiko LJK, Emiten, dan Perusahaan Publik.
An explanation of the FSI's, Issuer's and Public Company's procedures for identifying, measuring, monitoring 337
and controlling risks to the implementation of Sustainable Finance related to economic, social and
environmental aspects, including the role of the Board of Directors and Board of Commissioners in managing,
conducting periodic reviews and reviewing the effectiveness of the FSI's, Issuer's and Public Company's risk
management processes.
E.4 Penjelasan mengenai hubungan dengan pemangku kepentingan yang meliputi:
An explanation of the relationship with stakeholders which includes:
1) Keterlibatan pemangku kepentingan berdasarkan hasil penilaian (assessment) manajemen, RUPS, surat
keputusan atau lainnya; dan 335
Stakeholder engagement based on management assessment, GMS, decree or otherwise; and
2) Pendekatan yang digunakan LJK, Emiten, dan Perusahaan Publik dalam melibatkan pemangku kepentingan
dalam penerapan Keuangan Berkelanjutan, antara lain dalam bentuk dialog, survei, dan seminar.
334
Approaches used by FSIs, Issuers and Public Companies in engaging stakeholders in the implementation of
Sustainable Finance, including dialog, surveys and seminars.
E.5 Permasalahan yang dihadapi, perkembangan, dan pengaruh terhadap penerapan Keuangan Berkelanjutan.
340
Problems encountered, developments and influences on the implementation of Sustainable Finance.
Kinerja Keberlanjutan
F
Sustainability Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan
333
Activities to Build a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan target dan kinerja produksi, portofolio, target pembiayaan, atau investasi, pendapatan dan laba
rugi dalam hal Laporan Keberlanjutan disusun secara terpisah dengan Laporan Tahunan; dan
149
Comparison of production targets and performance, portfolio, financing targets, or investment, revenue and
profit or loss in the event that the Sustainability Report is prepared separately from the Annual Report; and
F.3 Perbandingan target dan kinerja portofolio, target pembiayaan, atau investasi pada instrumen keuangan atau
proyek yang sejalan dengan penerapan Keuangan Berkelanjutan.
343
Comparison of targets and performance of portfolios, financing targets, or investments in financial instruments
or projects that are in line with the implementation of Sustainable Finance.
Kinerja Lingkungan
Environmental Performance
F.4 Biaya Lingkungan Hidup
357
Environmental Costs
F.5 Penggunaan Material yang Ramah Lingkungan
351
Use of Environmentally Friendly Materials
F.6 Jumlah dan Intensitas Energi yang Digunakan
352
Amount and Intensity of Energy Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
352
Efforts and Achievements in Energy Efficiency and Use of Renewable Energy
F.8 Penggunaan Air
356
Water Use
F.9 Dampak Positif dan Negatif terhadap Lingkungan Hidup
N/A
Positive and Negative Impacts on the Environment
PT BANK OKE INDONESIA Tbk 381
Page 384
Laporan Keberlanjutan
Sustainability Report
Keterangan Halaman
No
Description Page
F.10 Keanekaragaman Hayati
Biodiversity
a Dampak operasional terhadap area dekat wilayah konservasi atau di dalam area konservasi
357
Operational impacts on areas near conservation areas or within conservation areas
b Usaha konservasi yang dilakukan, perlindungan flora maupun fauna
357
Conservation efforts made, protection of flora and fauna
F.11 Jumlah dan Intensitas Emisi yang dihasilkan berdasarkan sumber emisi.
Amount and Intensity of Emissions generated based on emission sources.
a Scope 1 354
b Scope 2 354
c Scope 3 N/A
d Intensitas Emisi
356
Emission Intensity
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
355-356
Emission Reduction Efforts and Achievements Made
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Menurut Jenis
357
Amount of Waste and Effluent Produced by Type
F.14 Mekanismen Pengelolaan Limbah dan Efluen
N/A
Waste and Effluent Management Mechanism
F.15 Tumpahan yang Terjadi
N/A
Spills
F.16 Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
357
Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
F.17 Komitmen untuk memberikan layanan atas produk dan/atau jasa yang setara kepada konsumen.
365
Commitment to provide services for products and/or services that are equal to consumers.
F.18 Kesetaraan dan Kesamaan Kesempatan dalam Bekerja, pada aspek: rekrutmen, pelatihan, promosi, dan
pemberian remunerasi
360
Equality and Equal Opportunities in Employment, in the aspects of: recruitment, training, promotion, and
remuneration.
F.19 Tenaga Kerja Anak dan Kerja Paksa
361
Child Labor and Forced Labor
F.20 Upah Minimum Regional
362
Regional Minimum Wage
F.21 Lingkungan Bekerja yang Layak
363
Appropriate Working Environment
382 Laporan Tahunan 2023 Annual Report
Page 385
Keterangan Halaman
No
Description Page
F.22 Pelatihan dan Pengembangan Kompetensi
90-106
Training and Competency Development
Aspek Masyarakat
Community Aspect
F.23 Dampak Operasi terhadap Masyarakat Sekitar
358
Impact of Operations on Surrounding Communities
F.24 Pengaduan Masyarakat
N.A
Public Complaints
F.25 Kegiatan Tanggung Jawab Sosial dan Lingkungan
358
Social and Environmental Responsibility Activities
Tanggung Jawab Pengembangan Produk/Jasa
Product/Service Development Responsibility
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
366
Innovation and Development of Sustainable Financial Products/Services
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
366
Products/Services that have been Evaluated for Customer Safety
F.28 Dampak Produk/Jasa
366
Product/Service Impact
F.29 Jumlah Produk yang Ditarik Kembali
366
Number of Recalled Products
F.30 Survei Kepuasan Pelanggan
369
Customer Satisfaction Survey
Lain-lain
G
Others
G.1 Verifikasi Tertulis danri Pihak Independen
369
Written Verification and Independent Party
G.2 Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan
Keberlanjutan.
43
Statement Letter of Members of the Board of Directors and Members of the Board of Commissioners
Regarding Responsibility for the Sustainability Report.
G.3 Lembar Umpan Balik
370
Feedback Form
G.4 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
371
Response to Feedback on Previous Year's Sustainability Report
G.5 Daftar Pengungkapan Sesuai POJK 51/2017
372
List of Disclosures in accordance with POJK 51/2017
PT BANK OKE INDONESIA Tbk 383
Page 386
Laporan Keberlanjutan
Sustainability Report
384 Laporan Tahunan 2023 Annual Report
Page 387
Laporan
Keuangan
Financial Report
PT BANK OKE INDONESIA Tbk 385
Page 388
PT BANK OKE INDONESIA Tbk
Laporan Keuangan
tanggal 31 Desember 2023 dan 2022
dan untuk tahun yang berakhir
pada tanggal-tanggal tersebut
beserta laporan auditor independen/
Financial Statements
as of December 31, 2023 and 2022
and for the years then ended
with independent auditors' report
386 Laporan Tahunan 2023 Annual Report
Page 389
DAFTAR ISI / TABLE OF CONTENTS
Halaman / Pages
SURAT PERNYATAAN DIREKSI BOARD OF DIRECTORS' STATEMENT
LAPORAN AUDITOR INDEPENDEN INDEPENDENT AUDITORS' REPORT
LAPORAN KEUANGAN FINANCIAL STATEMENTS
LAPORAN POSISI KEUANGAN 1-2 STATEMENTS OF FINANCIAL POSITION
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS
PENGHASILAN KOMPREHENSIF LAIN 3 AND OTHER COMPREHENSIVE INCOME
LAPORAN PERUBAHAN EKUITAS 4 STATEMENTS OF CHANGES IN EQUITY
LAPORAN ARUS KAS 5-6 STATEMENTS OF CASHFLOWS
CATATAN ATAS LAPORAN KEUANGAN 7 - 111 NOTES TO THE FINANCIAL STATEMENTS
PT BANK OKE INDONESIA Tbk 387
Page 390
388 Laporan Tahunan 2023 Annual Report
Page 391
PT BANK OKE INDONESIA Tbk 389
Page 392
390 Laporan Tahunan 2023 Annual Report
Page 393
PT BANK OKE INDONESIA Tbk 391
Page 394
392 Laporan Tahunan 2023 Annual Report
Page 395
PT BANK OKE INDONESIA Tbk 393
Page 396
394 Laporan Tahunan 2023 Annual Report
Page 397
PT BANK OKE INDONESIA Tbk 395
Page 398
396 Laporan Tahunan 2023 Annual Report
Page 399
PT BANK OKE INDONESIA Tbk 397
Page 400
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
ASET ASSETS
Kas 2e, 4 17.163.556.200 26.413.110.800 Cash
Current accounts with
Giro pada Bank Indonesia 2c, 2d, 2f, 5 462.808.546.170 406.090.896.181 Bank Indonesia
Giro pada bank lain 2c, 2d, 2f, 6 2.730.197.054 1.315.894.760 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 2c, 2d, 2g, 7 549.985.425.169 529.376.918.859 and other banks
Efek-efek 2c, 2d, 2h, 8 1.382.901.566.872 921.400.841.679 Marketable securities
Pinjaman yang diberikan 2c, 2d, 2i, 2y, 9, 36 Loans
Pihak berelasi 80.614.089.822 72.694.016.623 Related parties
Pihak ketiga 8.447.267.193.618 7.991.428.666.288 Third parties
Penyisihan kerugian Allowance for
penurunan nilai (217.320.846.582) (134.468.859.962) impairment losses
8.310.560.436.858 7.929.653.822.949
Aset tetap 2j, 10, 27, 41 Fixed assets
Biaya perolehan 204.626.885.706 177.866.997.938 Cost
Akumulasi penyusutan (73.904.564.979) (63.785.927.105) Accumulated depreciation
130.722.320.727 114.081.070.833
Aset takberwujud 2k, 11 Intangible assets
Biaya perolehan 175.412.372.905 170.265.919.605 Cost
Akumulasi amortisasi (150.587.144.624) (138.749.455.281) Accumulated amortization
24.825.228.281 31.516.464.324
Aset hak guna Right of use assets
Biaya perolehan 2l, 12 54.172.479.928 37.647.598.412 Cost
Akumulasi penyusutan (31.573.112.724) (22.255.861.867) Accumulated depreciation
22.599.367.204 15.391.736.545
Aset lain-lain 2c, 2n, 13 170.854.439.370 208.170.478.607 Other assets
JUMLAH ASET 11.075.151.083.905 10.183.411.235.537 TOTAL ASSETS
- -
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
1
Page 401
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 2c, 2o, 14 57.419.625.960 80.974.154.780 Liabilities immediately payable
Simpanan dari nasabah 2c, 2p, 2y, 15, 36 Deposits from customers
Pihak berelasi 94.247.608.336 18.205.125.095 Related parties
Pihak ketiga 5.975.496.990.912 5.350.406.847.423 Third parties
6.069.744.599.248 5.368.611.972.518
Simpanan dari bank lain 2c, 2q, 16, 36 744.262.551.516 600.081.913.207 Deposits from other banks
Pinjaman yang diterima 2c, 2r, 17 550.000.000.000 500.000.000.000 Borrowings
Utang pajak 2w, 18a 11.219.855.469 14.327.487.501 Taxes payable
Liabilitas imbalan pasca kerja 2x, 19 15.193.883.496 14.307.834.536 Post-employment benefit liabilities
Pendapatan diterima dimuka 2c, 20 - 36.297.405 Unearned revenue
Liabilitas sewa 2l, 21 9.845.058.629 9.265.402.019 Lease liabilities
Liabilitas pajak tangguhan - bersih 2x, 18e 11.175.871.878 10.167.621.299 Deferred tax liabilities - net
Liabilitas lain-lain 22 21.804.119.381 33.278.905.260 Other liabilities
JUMLAH LIABILITAS 7.490.665.565.577 6.631.051.588.525 TOTAL LIABILITIES
- -
EKUITAS EQUITY
Modal saham Share capital
Modal dasar terdiri dari Authorised capital consist of
30.000.000.000 saham dengan 30,000,000,000 shares
nilai nominal Rp100 per lembar saham with par value of Rp100 per share
Modal ditempatkan dan disetor penuh Issued and fully paid capital
17.037.792.274 saham dengan nilai 17,037,792,274 shares with
nominal Rp100 per lembar saham 2s, 23 1.703.779.227.400 1.703.779.227.400 par value of Rp100 per share
Saham treasuri 2s, 24 (55.201.439.696) (55.201.439.696) Treasury stock
Tambahan modal disetor 25 1.633.485.884.545 1.633.485.884.545 Additional paid in capital
Surplus revaluasi aset tetap 27 85.480.061.335 85.034.192.275 Revaluation surplus of fixed asset
Kerugian pengukuran kembali Losses remeasurement of
program manfaat pasti 2x, 19 (2.996.126.342) (3.129.067.211) defined benefit pension plans
Saldo laba 2t, 26 Retained earnings
Telah ditentukan penggunaannya 31.756.097.833 29.114.061.441 Appropriated retained earnings
Belum ditentukan penggunaannya 188.181.813.253 159.276.788.258 Unappropriated retained earnings
JUMLAH EKUITAS 3.584.485.518.328 3.552.359.647.012 TOTAL EQUITY
JUMLAH LIABILITAS TOTAL LIABILITIES
11.075.151.083.905 10.183.411.235.537
DAN EKUITAS AND EQUITY
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
2
Page 402
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS
PENGHASILAN KOMPREHENSIF LAIN AND OTHER COMPREHENSIVE INCOME
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
PENDAPATAN DAN OPERATING INCOME
BEBAN OPERASIONAL AND EXPENSES
Pendapatan bunga 2u, 2v, 2y, 28, 36 1.000.383.016.490 701.980.622.358 Interest income
Beban bunga 2u, 2v, 2y, 29, 36 (397.022.544.050) (234.938.599.146) Interest expense
Pendapatan bunga - bersih 603.360.472.440 467.042.023.212 Interest income - net
Pendapatan operasional lainnya 30 16.948.994.516 10.436.408.252 Other operating income
Beban operasional lainnya Other operating expenses
Tenaga kerja 2x, 19, 31, 36 (128.756.159.734) (108.974.372.329) Personnel
Umum dan administrasi 32 (176.022.942.634) (176.239.572.216) General and administrative
Penyisihan kerugian penurunan Allowance for impairment
nilai atas aset keuangan 2d, 33 (268.129.944.213) (156.756.988.239) losses on financial assets
Lainnya 30 (10.231.131.062) (16.049.648.820) Others
Jumlah beban operasional lainnya (583.140.177.643) (458.020.581.604) Total other operating expenses
LABA OPERASIONAL 37.169.289.313 19.457.849.860 OPERATING INCOME
PENDAPATAN (BEBAN) NON-OPERATING
NON-OPERASIONAL 34 INCOME (EXPENSES)
Pendapatan non-operasional 92.525.741 490.274.874 Non-operating income
Beban non-operasional (189.862.382) (661.848.954) Non-operating expenses
JUMLAH BEBAN TOTAL NON-OPERATING
(97.336.641) (171.574.080)
NON-OPERASIONAL - BERSIH EXPENSES - NET
LABA SEBELUM BEBAN INCOME BEFORE
37.071.952.672 19.286.275.780
PAJAK PENGHASILAN INCOME TAX EXPENSE
BEBAN PAJAK PENGHASILAN 2w, 18b (8.420.169.816) (6.076.093.821) INCOME TAX EXPENSE
LABA BERSIH 28.651.782.856 13.210.181.959 NET PROFIT
PENGHASILAN (BEBAN) OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME (EXPENSES)
Pos-pos yang tidak akan Items that will not be reclassified
direklasifikasi ke laba rugi: subsequently to profit or loss:
Pengukuran kembali atas Remeasurements of
program imbalan pasti 2x, 19 170.437.012 1.519.547.658 defined benefit plans
Pajak penghasilan terkait (37.496.143) (334.300.484) Related income taxes
132.940.869 1.185.247.174
Surplus revaluasi aset tetap 11, 27, 41 3.341.147.591 - Revaluation surplus of fixed assets
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE
3.474.088.460 1.185.247.174
LAIN - BERSIH INCOME - NET
JUMLAH LABA KOMPREHENSIF 32.125.871.316 14.395.429.133 TOTAL COMPREHENSIVE INCOME
LABA PER SAHAM DASAR 2z, 42 1,68 0,93 BASIC EARNINGS PER SHARE
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
3
Page 403
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2023 dan 2022 For the years ended December 31, 2023 and 2022
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Kerugian
pengukuran
kembali program
Surplus revaluasi manfaat pasti/ Saldo laba/Retained earnings
Tambahan modal aset tetap/ Losses
disetor/ Revaluation remeasurement Telah ditentukan Belum ditentukan
Catatan/ Modal saham/ Additional paid-in surplus of fixed of defined benefit penggunaannya/ penggunaannya/ Saham treasuri/ Jumlah ekuitas/
Notes Share capital capital assets pension plans Appropriated Unappropriated Treasury stock Total equity
Saldo 31 Desember 2021 1.409.998.511.100 1.429.008.469.465 89.209.065.621 (4.314.314.385) 25.622.000.000 145.383.794.394 (55.201.439.696) 3.039.706.086.499 Balance as of December 31, 2021
Laba bersih tahun berjalan - - - - - 13.210.181.959 - 13.210.181.959 Net income for the year
Reklasifikasi ke modal ditempatkan Reclassified to issued and
dan disetor penuh 25 293.780.716.300 (293.780.716.300) - - - - - - fully paid in capital
Dana setoran modal setelah Paid in capital fund after
dikurangi biaya emisi saham 25 - 498.258.131.380 - - - - - 498.258.131.380 deducting shares issuance costs
Penambahan cadangan 26 - - - - 3.492.061.441 (3.492.061.441) - - Additions of reserves
Dipindahkan ke saldo laba 27 - - (4.174.873.346) - - 4.174.873.346 - - Transferred to retained earnings
Penghasilan komprehensif lain, neto - - - 1.185.247.174 - - - 1.185.247.174 Other comprehensive income, net
Saldo 31 Desember 2022 1.703.779.227.400 1.633.485.884.545 85.034.192.275 (3.129.067.211) 29.114.061.441 159.276.788.258 (55.201.439.696) 3.552.359.647.012 Balance as of December 31, 2022
Laba bersih tahun berjalan - - - - - 28.651.782.856 - 28.651.782.856 Net income for the year
Penambahan cadangan 26 - - - - 2.642.036.392 (2.642.036.392) - - Additions of reserves
Dipindahkan ke saldo laba 27 - - (2.895.278.531) - - 2.895.278.531 - - Transferred to retained earnings
Penghasilan komprehensif lain, neto - - 3.341.147.591 132.940.869 - - - 3.474.088.460 Other comprehensive income, net
Saldo 31 Desember 2023 1.703.779.227.400 1.633.485.884.545 85.480.061.335 (2.996.126.342) 31.756.097.833 188.181.813.253 (55.201.439.696) 3.584.485.518.328 Balance as of December 31, 2023
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
4
Page 404
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM OPERATING ACTIVITIES
Penerimaan bunga, provisi dan komisi 995.617.012.022 686.647.294.442 Interest, fees and commissions received
Pembayaran bunga, provisi dan komisi (388.600.021.522) (223.717.029.223) Interest, fees and commissions paid
Penerimaan dari pendapatan operasional lainnya 16.948.994.516 10.436.408.252 Other operating income received
Pembayaran gaji dan imbalan kerja (128.786.189.733) (115.321.448.679) Salary and employee benefits paid
Pembayaran beban umum dan administrasi (132.599.517.934) (131.997.266.717) General and administrative expenses paid
Pembayaran pajak penghasilan (12.709.828.093) (1.284.236.794) Income taxes paid
Penerimaan lainnya (150.224.625) 334.522.204 Other received
Penerimaan kas sebelum perubahan Cash received before changes in
349.720.224.631 225.098.243.485
dalam aset dan liabilitas operasi operating assets and liabilities
Penurunan (kenaikan) dalam aset operasi: Decrease (increase) in operating assets:
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 1.200.000.000 11.700.000.000 and other banks
Pinjaman yang diberikan (659.521.509.739) (2.657.955.168.614) Loans
Aset hak guna (9.044.414.189) (5.627.392.006) Right of use assets
Agunan yang diambil alih 10.688.639.714 3.663.375.000 Foreclosed assets
Aset lain-lain (420.465.045) 1.489.783.308 Other assets
Kenaikan (penurunan) dalam liabilitas operasi: Increase (decrease) in operating liabilities:
Liabilitas segera (248.444.342) 244.976.289 Liabilities immediately payable
Simpanan dari nasabah: Deposits from customers:
Giro 147.531.653.511 454.858.835.318 Current accounts
Tabungan (47.112.017.724) (49.633.253.814) Savings deposits
Deposito 600.712.990.943 999.396.935.977 Time deposits
Simpanan dari bank lain 144.180.638.309 24.418.768.850 Deposits from other banks
Liabilitas lain-lain (8.019.886.021) 8.614.610.217 Other liabilities
Arus kas bersih diperoleh dari Net cash provided by
529.667.410.048 (983.730.285.990)
(digunakan untuk) aktivitas operasi (used in) operating activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIES
Pembelian aset tetap 10 (23.764.999.760) (3.225.430.341) Acquisitions of fixed assets
Penerimaan atas penjualan aset tetap 10 82.200.000 20.100.000 Proceeds from sale of fixed assets
Pembelian aset takberwujud 11 (5.146.453.300) (14.650.671.880) Acquisitions of intangible assets
Pembelian surat berharga (688.414.609.749) (518.608.657.764) Acquisitions of marketable securities
Penerimaan dari surat berharga Proceeds from matured
yang telah jatuh tempo 220.413.159.363 69.630.087.018 marketable securities
Arus kas bersih digunakan Net cash used in
(496.830.703.446) (466.834.572.967)
untuk aktivitas investasi investing activities
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIES
Penerimaan dari dana setoran modal - 499.427.217.710 Proceeds from paid-in capital funds
Beban emisi saham 25 - (1.169.086.330) Shares issuance cost
Penerimaan dari pinjaman 50.000.000.000 500.000.000.000 Proceeds from borrowings
Pembayaran liabilitas sewa 21 (12.154.308.919) (7.909.189.787) Payment of lease liabilities
Arus kas bersih diperoleh dari Net cash provided by
37.845.691.081 990.348.941.593
aktivitas investasi investing activities
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
5
Page 405
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
Kenaikan (penurunan) bersih Net increase (decrease) in
kas dan setara kas 70.682.397.683 (460.215.917.364) cash and cash equivalents
Kas dan setara kas Cash and cash equivalent
pada awal tahun 962.019.901.741 1.422.235.819.105 at beginning of year
Kas dan setara kas Cash and cash equivalents
1.032.702.299.424 962.019.901.741
pada akhir tahun at end of year
Kas dan setara kas pada akhir Cash and cash equivalents at
tahun terdiri dari: end of the year consisted of:
Kas 4 17.163.556.200 26.413.110.800 Cash
Giro pada Bank Indonesia 5 462.808.546.170 406.090.896.181 Current accounts with Bank Indonesia
Giro pada bank lain 6 2.730.197.054 1.315.894.760 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain (dengan jatuh tempo kurang and other banks (with maturities of less
dari 3 bulan sejak tanggal perolehan) 7 550.000.000.000 528.200.000.000 than 3 months from acquisition date)
Jumlah kas dan setara kas 1.032.702.299.424 962.019.901.741 Total cash and cash equivalents
- -
Catatan atas laporan keuangan merupakan bagian yang The accompanying notes to the financial statements
tidak terpisahkan dari laporan keuangan secara keseluruhan form an integral part of these financial statements as a whole
6
Page 406
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank Oke Indonesia Tbk (dahulu PT Bank Liman PT Bank Oke Indonesia Tbk (formerly PT Bank Liman
International) ("Bank") berkedudukan di Jakarta Pusat International) (the “Bank”) domiciled in Central Jakarta
didirikan pada tanggal 15 Agustus 1990 berdasarkan akta was established on August 15, 1990 based on notarial
notaris James Herman Rahardjo, S.H., No.99 tanggal 15 deed No.99 dated August 15, 1990 of James Herman
Agustus 1990. Bank memperoleh izin usaha untuk Rahardjo, S.H. The Bank obtained a business license to
beroperasi sebagai bank umum berdasarkan Surat operate as a commercial bank under the Decision Letter of
Keputusan Menteri Keuangan Republik Indonesia the Minister of Finance of the Republic of Indonesia
No.1098/KMK.013/1991 tanggal 9 November 1991. Bank No.1098/KMK.013/1991 dated November 9, 1991. The
memulai operasi komersilnya pada tahun 1991. Untuk Bank started commercial operations in 1991. In order to
memenuhi ketentuan Undang-undang No.40 Tahun 2007 meet the provisions of Law No.40 Year 2007 regarding
tentang Perseroan Terbatas, telah dilakukan penyesuaian Limited Liability Company, the Bank has made
terhadap Anggaran Dasar Bank. Penyesuaian tersebut amendments to its Articles of Association. The
dinyatakan dalam Akta Notaris James Herman Rahardjo, amendments is stated in the notarial deed No.56 dated
S.H., No.56 tanggal 17 September 2008 dan telah September 17, 2008 of James Herman Rahardjo, S.H.,
mendapat persetujuan dari Menteri Hukum dan Hak Asasi and was approved by the Minister of Law and Human
Manusia Republik Indonesia dalam Surat Keputusan Rights of the Republic of Indonesia in its Decision Letter
No.AHU-89275.AH.01.02 Tahun 2008 tanggal 24 No.AHU-89275.AH.01.02 Year 2008 dated November 24,
November 2008. 2008.
Berdasarkan akta notaris Dewi Kusumawati, S.H., No.27 Based on notarial deed No.27 dated May 23, 2012 of Dewi
tanggal 23 Mei 2012 tentang perubahan Anggaran Dasar Kusumawati, S.H., on amendments to the Articles of
mengenai penerbitan saham dalam portepel guna Association regarding the issuance of shares in portepel
penambahan modal disetor Bank, perubahan susunan for increase paid-in capital, changes in composition of the
Direksi dan Komisaris Bank, serta pengajuan dan Board of Directors and Commissioners of the Bank, as
persetujuan nama Bank yang baru yaitu PT Bank Dinar well as the submission and approval new corporate name
Indonesia. Perubahan Anggaran Dasar tersebut telah of the Bank, PT Bank Dinar Indonesia. This amendment
mendapat persetujuan dari Menteri Hukum dan Hak Asasi has been approved by the Minister of Law and Human
Manusia Republik Indonesia No.AHU-33753.AH.01.02 Rights of the Republic of Indonesia No.AHU-
Tahun 2012 tanggal 20 Juni 2012 dan dicatat dalam 33753.AH.01.02 Year 2012 dated June 20, 2012 and
database Sisminbakum Departemen Hukum dan Hak Asasi recorded in the Sisminbakum database Ministry of Justice
Manusia Republik Indonesia berdasarkan surat No.AHU- and Human Rights of the Republic of Indonesia based on
AH.01.10-24622 dan No.AHU-AH.01.10-24621 tanggal 5 letter No.AHU-AH.01.10-24622 and No.AHU-AH.01.10-
Juli 2012. Pergantian nama Bank tersebut telah mendapat 24621 dated July 5, 2012. The change in corporate Bank
persetujuan dari Bank Indonesia berdasarkan Keputusan name was approved from Bank Indonesia based on
Gubernur Bank Indonesia No.14/75/KEP.GBI/2012, tanggal Decree of the Governor of Bank Indonesia
25 Oktober 2012. No.14/75/KEP.GBI/2012, dated October 25, 2012.
Bank telah merubah Anggaran Dasar berdasarkan akta The Bank amended its Articles of Association based on
notaris No.22 tanggal 9 Februari 2012 dari Notaris notarial deed No.22 dated February 9, 2012 of Notary
Hizmelina, S.H., mengenai perubahan modal dasar dari Hizmelina, S.H., regarding the change in the authorized
Rp50.000.000.000 menjadi Rp200.000.000.000 dan telah share capital from the Rp50,000,000,000 to
mendapat persertujuan dari Menteri Hukum dan Hak Asasi Rp200,000,000,000, and has received approval from
Manusia Republik Indonesia No.AHU-07717.AH.01.02 Minister of Law and Human Rights of the Republic of
Tahun 2012 tanggal 14 Februari 2012 dan dicatat dalam Indonesia No.AHU-07717.AH.01.02 Year 2012 dated
database Sisminbakum Departemen Hukum dan Hak Asasi February 14, 2012 and recorded in the Sisminbakum
Manusia Republik Indonesia berdasarkan surat No.AHU- database of the Ministry of Law and Human Rights of the
AH.01.10-05949 tanggal 21 Februari 2012. Republic of Indonesia based on letter No.AHU-AH.01.10-
05949 dated February 21, 2012.
7
Page 407
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information (continued)
Anggaran Dasar Bank telah mengalami beberapa kali The Bank's Articles of Association have been amended
perubahan, berdasarkan akta notaris Tjhong Sendrawan, several times, based on notarial deed No.2 dated
S.H., No.2 tanggal 9 Desember 2013 mengenai December 9, 2013 of Tjhong Sendrawan, S.H., increase of
peningkatan modal dasar menjadi Rp500.000.000.000, capital to Rp500,000,000,000, the increase in paid-up
peningkatan modal disetor menjadi Rp175.000.000.000 dan capital to Rp175,000,000,000, and change for the status
perubahan status bank dari tertutup menjadi terbuka dan from private to listed bank which has been approved by
telah mendapat persetujuan dari Menteri Hukum dan Hak the Ministry of Justice and Human Rights of the Republic
Asasi Manusia Republik Indonesia No.AHU- of Indonesia No.AHU-66790.AH.01.02 Year 2013, dated
66790.AH.01.02 Tahun 2013, tanggal 19 Desember 2013, December 19, 2013. The most recent amendment was
terakhir berdasarkan akta notaris Tjhong Sendrawan, S.H., based on notarial deed No.15 dated October 17, 2014 of
No.15 tanggal 17 Oktober 2014 mengenai peningkatan Tjhong Sendrawan, S.H., regarding the increase in paid-
modal disetor menjadi Rp225.000.000.000 dan telah up capital to Rp225,000,000,000 which has been
mendapat persetujuan dari Menteri Hukum dan Hak Asasi approved by the Ministry of Justice and Human Rights of
Manusia Republik Indonesia No.AHU-07586.40.21.2014 the Republic of Indonesia No.AHU-07586.40.21.2014
tanggal 21 Oktober 2014. dated October 21, 2014.
Pada tanggal 8 Juli 2019, Bank melakukan penggabungan On July 8, 2019, the Bank entered into a merger with PT
usaha (merger) dengan PT Bank Oke Indonesia yang Bank Oke Indonesia domiciled in Jakarta. The decision of
berkedudukan di Jakarta. Keputusan Merger ini dituangkan the Merger was stated in deed No.5 dated July 5, 2019,
dalam akta No.5 tanggal 5 Juli 2019 yang dibuat dihadapan which was made by Dewi Kusumawati, S.H., notary in
Dewi Kusumawati, S.H., notaris di Jakarta. Jakarta.
Selain itu, terdapat perubahan anggaran dasar Bank sesuai In addition, there was a change in the Bank's articles of
akta No.6 tanggal 5 Juli 2019 yang dibuat dihadapan Dewi association in accordance with deed No.6 dated July 5,
Kusumawati, S.H., notaris di Jakarta, mengenai 2019, which was made by Dewi Kusumawati, S.H., notary
persetujuan: in Jakarta, regarding approval:
1. Rencana penggabungan usaha PT Bank Dinar 1. The planned merger of PT Bank Dinar Indonesia Tbk
Indonesia Tbk dan PT Bank Oke Indonesia, and PT Bank Oke Indonesia,
2. Pembelian saham kembali dari pemegang saham yang 2. Buy back shares from shareholders who do not
tidak menyetujui Rencana Penggabungan, approve the Merger Plan,
3. Perubahan anggaran dasar Bank, 3. Changes in the Bank's articles of association,
4. Peningkatan modal Bank, 4. Increase in Bank capital,
5. Tanggal efektif penggabungan direncanakan dua Mei 5. The effective date of the merger is planned for May
dua ribu sembilan belas (2-5-2019) atau tanggal lain second, two thousand and nineteen (2-5-2019) or
yang disetujui oleh PT Bank Dinar Indonesia Tbk dan other date agreed by PT Bank Dinar Indonesia Tbk
PT Bank Oke Indonesia yang merupakan tanggal and PT Bank Oke Indonesia which is the first date of
pertama dari bulan sebagaimana disetujui tersebut, the month as agreed,
6. Penunjukan anggota Direksi dan Dewan Komisaris 6. Appointment of members of the Board of Directors and
Bank hasil penggabungan dan pemberhentian anggota, Board of Commissioners of the Bank resulting from
the merger and dismissal of members,
7. Nama Bank hasil penggabungan adalah PT Bank Dinar 7. The name of the merged bank is PT Bank Dinar
Indonesia Tbk, Indonesia Tbk,
8. Jangka waktu masa jabatan pengurus Bank selama 3 8. The term of office of the Bank management for 3
tahun, years,
9. Gaji dan honorarium bagi Direksi dan Komisaris serta 9. Salary and honorarium for Directors and
fasilitas pengurus, Commissioners and management facilities,
10. Peninjauan kembali batasan rekomendasi Dewan 10. Review the limits of the Board of Commissioners
Komisaris atas nominal kredit yang diputuskan oleh recommendations for the nominal credit decided by
Direksi. the Directors.
Akta perubahan ini telah mendapat persetujuan dari Menteri This deed of amendment was approved by the Minister of
Hukum dan Hak Asasi Manusia Republik Indonesia dengan Law and Human Rights of the Republic of Indonesia with
Surat Keputusan No.AHU-0035514.AH.01.02. tanggal 8 Juli Decree No.AHU-0035514.AH.01.02. dated July 8, 2019.
2019.
8
Page 408
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information (continued)
Anggaran Dasar Bank telah mengalami beberapa kali The Bank's Articles of Association have been amended
perubahan, diantaranya akta No.23 tanggal 22 Juli 2019 several times, including deed No.23 dated July 22, 2019
yang dibuat dihadapan Dewi Kusumawati, S.H., notaris di which made by Dewi Kusumawati, S.H., notary in Jakarta,
Jakarta, mengenai perubahan nama Perusahaan dari PT regarding the change of the Company's name from PT
Bank Dinar Indonesia Tbk menjadi PT Bank Oke Indonesia Bank Dinar Indonesia Tbk to PT Bank Oke Indonesia Tbk.
Tbk. Perubahan ini telah mendapatkan persetujuan dari This amendment has been approved by the Minister of
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Law and Human Rights of the Republic of Indonesia with
dengan Surat Keputusan No.AHU-0040123.AH.01.02 Decree No.AHU-0040123.AH.01.02 Year 2019 dated July
Tahun 2019 tanggal 22 Juli 2019. 22, 2019.
Perubahan terakhir Anggaran Dasar Bank berdasarkan The latest amandement Bank's Articles of Association
akta No.8 tanggal 19 Mei 2022 yang dibuat dihadapan Dr. deed No.8 dated May 19, 2022 which made by Dr. Agung
Agung Irianto, S.H., M.H., notaris di Jakarta, mengenai Irianto, S.H., M.H., notary in Jakarta, regarding the
peningkatan modal dasar Bank, perubahan Pasal 3 untuk increase in the authorized capital of the Bank, amendment
disesuaikan dengan Klasifikasi Baku Lapangan Usaha to Article 3 to be adjusted to the Indonesian Standard
Indonesia (KBLI) 2020. Perubahan ini telah mendapatkan Classification of Business Fields (KBLI) 2020. This
persetujuan dari Menteri Hukum dan Hak Asasi Manusia amendment has been approved by the Minister of Law
Republik Indonesia dengan Surat Keputusan No.AHU- and Human Rights of the Republic of Indonesia with
0033894.AH.01.02.Tahun 2022 tanggal 19 Mei 2022. Decree No.AHU-0033894.AH.01.02.Tahun 2022 dated
May 19, 2022.
Sesuai dengan Anggaran Dasar Bank, maksud dan tujuan In accordance with the Articles of Association of the Bank,
Bank adalah berusaha dalam bidang usaha bank umum the intent and purpose of the Bank is to engage in the
dengan melaksanakan kegiatan-kegiatan usaha perbankan business of commercial banks and to carry out banking
antara lain seperti: business activities such as:
- Menghimpun dana dari masyarakat dalam bentuk - Raise funds from the public in the form of deposits
simpanan berupa giro, deposito berjangka, sertifikat such as demand deposits, time deposits, certificates of
deposito, tabungan dan/atau bentuk lainnya yang deposit, savings and/or other equivalent forms with it.
dipersamakan dengan itu.
- Memberikan kredit, baik untuk jangka panjang, jangka - Providing credit, both for the long term, medium term
menengah dan jangka pendek. and short term.
- Menerbitkan surat pengakuan hutang. - To publish letter of credit.
- Melakukan kegiatan penitipan untuk kepentingan pihak - Offer deposit boxes for the interested parties pursuant
lain berdasarkan suatu kontrak. to a contract.
Entitas pemegang saham pengendali dari Bank adalah Ok The controlling shareholder entity of the Bank is Ok Next
Next Co, Ltd. (dahulu APRO Financial Co, Ltd.). Co, Ltd. (formerly APRO Financial Co, Ltd.).
Yoon Choi adalah pemilik manfaat (beneficial owner) dari Yoon Choi is the beneficial owner of the Bank.
Bank.
Kantor Pusat Bank berlokasi di Jl. Ir. H. Juanda No.12, The Bank’s head office is located at Jl. Ir. H. Juanda
Jakarta Pusat 10120. Jumlah kantor pada tanggal 31 No.12, Jakarta Pusat 10120. The total number of offices
Desember 2023 dan 2022 adalah sebagai berikut: as of December 31, 2023 and 2022 are as follows:
2023 2022
Kantor pusat 1 1 Head office
Kantor cabang 5 4 Branch offices
Kantor cabang pembantu 10 11 Sub-branch offices
b. Penawaran umum saham b. Public offering of shares
Penawaran umum perdana Initial public offering
Berdasarkan surat Otoritas Jasa Keuangan (OJK) No.S- As stated in the letter of the Financial Services Authority
334/D.04/2014 tanggal 30 Juni 2014, pernyataan (OJK) No.S-334/D.04/2014 dated June 30, 2014, the
pendaftaran yang diajukan Bank dalam rangka penawaran registration statement submitted by the Bank relating to
umum perdana saham kepada masyarakat sejumlah the Initial Public Offering of 500,000,000 shares with a
500.000.000 saham dengan nilai nominal sebesar Rp100 nominal value of Rp100 (a hundred Rupiah) per share at
(seratus Rupiah) setiap saham dengan harga penawaran the offering price of Rp110 per share (a hundred and ten
sebesar Rp110 (seratus sepuluh Rupiah) per saham telah Rupiah) became effective on June 30, 2014. The offered
menjadi efektif pada tanggal 30 Juni 2014. Saham yang shares were listed and began trading in the Indonesian
ditawarkan tersebut dicatatkan dan mulai diperdagangkan Stock Exchange on July 11, 2014.
di Bursa Efek Indonesia pada tanggal 11 Juli 2014.
9
Page 409
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham (lanjutan) b. Public offering of shares (continued)
Penawaran umum perdana (lanjutan) Initial public offering (continued)
Selisih lebih antara harga penawaran per saham dengan The excess of the share offer price over the par value per
nilai nominal persaham dicatat sebagai “Tambahan modal share was recognized as “Additional paid-in capital, net of
disetor, setelah dikurangi dengan biaya emisi saham”, yang share issuance cost”, which is presented under the Equity
disajikan pada bagian Ekuitas pada Laporan Posisi section of the Statement of Financial Position.
Keuangan.
Penawaran umum terbatas I Limited public offering I
Pada tahun 2019, Bank melakukan Penawaran Umum In 2019, the Bank conducted a Limited Public Offering
Terbatas (PUT) kepada para pemegang saham dalam (PUT) to shareholders in the context of Pre-emptive Rights
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) (HMETD) totaling 2,534,789,887 (two billion five hundred
sebesar 2.534.789.887 (dua miliar lima ratus tiga puluh thirty four million seven hundred eighty nine thousand
empat juta tujuh ratus delapan puluh sembilan ribu delapan eight hundred eighty seven) new shares in the name with
ratus delapan puluh tujuh) saham baru atas nama dengan a nominal value of Rp100 (one hundred Rupiah) per
nilai nominal Rp100 (seratus Rupiah) setiap saham, yang share, which are offered at an Exercise Price of Rp197
ditawarkan dengan Harga Pelaksanaan Rp197 (seratus (one hundred ninety-seven Rupiah) per share so that the
sembilan puluh tujuh Rupiah) setiap saham sehingga total amount is Rp499,353,607,739 (four hundred ninety-
seluruhnya berjumlah sebesar Rp499.353.607.739 (empat nine billion three hundred and fifty three million six
ratus sembilan puluh sembilan miliar tiga ratus lima puluh hundred seven thousand seven hundred thirty nine
tiga juta enam ratus tujuh ribu tujuh ratus tiga puluh Rupiah). The PUT conducted by the Bank has been
sembilan Rupiah). PUT yang dilakukan Bank telah declared effective based on the Financial Services
dinyatakan efektif berdasarkan Surat Otoritas Jasa Authority Letter No.S-188/D.04/2019 dated December 5,
Keuangan No.S-188/D.04/2019 tanggal 5 Desember 2019 2019 regarding Notification of the Effectiveness of the
perihal Pemberitahuan Efektifnya Pernyataan Pendaftaran. Registration Statement.
Penawaran umum terbatas II Limited public offering II
Pada tahun 2020, Bank melakukan Penawaran Umum In 2020, the Bank conducted a Limited Public Offering II
Terbatas II (PUT II) kepada para pemegang saham dalam (PUT II) to shareholders in the context of Pre-emptive
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) Rights (HMETD) totaling 2,686,443,983 (two billion six
sebesar 2.686.443.983 (dua miliar enam ratus delapan hundred eighty six million four hundred forty three
puluh enam juta empat ratus empat puluh tiga ribu sembilan thousand nine hundred eight thirty-three) new shares with
ratus delapan puluh tiga) saham baru atas nama dengan a nominal value of Rp100 (one hundred Rupiah) per
nilai nominal Rp100 (seratus Rupiah) setiap saham, yang share, which are offered at an Exercise Price of Rp186
ditawarkan dengan Harga Pelaksanaan Rp186 (seratus (one hundred and eighty-six Rupiah) per share so that a
delapan puluh enam Rupiah) setiap saham sehingga total of Rp499,678,580,838 (four hundred ninety-nine
seluruhnya berjumlah sebesar Rp499.678.580.838 (empat billion six hundred seventy eight million five hundred eighty
ratus sembilan puluh sembilan miliar enam ratus tujuh puluh thousand eight hundred thirty eight Rupiah). The PUT II
delapan juta lima ratus delapan puluh ribu delapan ratus carried out by the Bank has been declared effective based
tiga puluh delapan Rupiah). PUT II yang dilakukan Bank on the Financial Services Authority Letter No.S-
telah dinyatakan efektif berdasarkan Surat Otoritas Jasa 258/D.04/2020 dated October 14, 2020 regarding
Keuangan No.S-258/D.04/2020 tanggal 14 Oktober 2020 Notification of the Effectiveness of the Registration
perihal Pemberitahuan Efektifnya Pernyataan Pendaftaran. Statement.
Penawaran umum terbatas III Limited public offering III
Pada tahun 2021, Bank melakukan Penawaran Umum In 2021, the Bank conducted a Limited Public Offering III
Terbatas III (PUT III) kepada para pemegang saham dalam (PUT III) to shareholders in the context of Pre-emptive
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) Rights (HMETD) totaling 2,537,197,095 (two billion five
sebesar 2.537.197.095 (dua miliar lima ratus tiga puluh hundred thirty seven million one hundred ninety seven
tujuh juta seratus sembilan puluh tujuh ribu sembilan puluh thousand ninety-five) new shares with a nominal value of
lima) saham baru atas nama dengan nilai nominal Rp100 Rp100 (one hundred Rupiah) per share, which are offered
(seratus Rupiah) setiap saham, yang ditawarkan dengan at an Exercise Price of Rp197 (one hundred and ninety-
Harga Pelaksanaan Rp197 (seratus sembilan puluh tujuh seven Rupiah) per share so that a total of
Rupiah) setiap saham sehingga seluruhnya berjumlah Rp499,827,827,715 (four hundred ninety-nine billion eight
sebesar Rp499.827.827.715 (empat ratus sembilan puluh hundred twenty seven million eight hundred twenty seven
sembilan miliar delapan ratus dua puluh tujuh juta delapan thousand seven hundred and fifteen Rupiah).
ratus dua puluh tujuh ribu tujuh ratus lima belas Rupiah).
10
Page 410
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham (lanjutan) b. Public offering of shares (continued)
Penawaran umum terbatas III (lanjutan) Limited public offering III (continued)
PUT III yang dilakukan Bank telah dinyatakan efektif The PUT III carried out by the Bank has been declared
berdasarkan Surat Otoritas Jasa Keuangan No.S- effective based on the Financial Services Authority Letter
178/D.04/2021 tanggal 30 September 2021 perihal No.S-178/D.04/2021 dated September 30, 2021 regarding
Pemberitahuan Efektifnya Pernyataan Pendaftaran. Notification of the Effectiveness of the Registration
Statement.
Penawaran umum terbatas IV Limited public offering IV
Pada tahun 2022, Bank melakukan Penawaran Umum In 2022, the Bank conducted a Limited Public Offering IV
Terbatas IV (PUT IV) kepada para pemegang saham dalam (PUT IV) to shareholders in the context of Pre-emptive
rangka Hak Memesan Efek Terlebih Dahulu (HMETD) Rights (HMETD) totaling 2,937,807,163 (two billion nine
sebesar 2.937.807.163 (dua miliar sembilan ratus tiga puluh hundred thirty seven million eight hundred seven thousand
tujuh juta delapan ratus tujuh ribu seratus enam puluh tiga) one hundred sixty three) new shares with a nominal value
saham baru atas nama dengan nilai nominal Rp100 of Rp100 (one hundred Rupiah) per share, which are
(seratus Rupiah) setiap saham, yang ditawarkan dengan offered at an Exercise Price of Rp170 (one hundred
Harga Pelaksanaan Rp170 (seratus tujuh puluh Rupiah) seventy Rupiah) per share so that a total of
setiap saham sehingga seluruhnya berjumlah sebesar Rp499,427,217,710 (four hundred ninety-nine billion four
Rp499.427.217.710 (empat ratus sembilan puluh sembilan hundred twenty seven million two hundred and seventeen
miliar empat ratus dua puluh tujuh juta dua ratus tujuh belas thousand seven hundred and ten Rupiah). The PUT IV
ribu tujuh ratus sepuluh Rupiah). PUT IV yang dilakukan carried out by the Bank has been declared effective based
Bank telah dinyatakan efektif berdasarkan Surat Otoritas on the Financial Services Authority Letter No.S-
Jasa Keuangan No.S-198/D.04/2022 tanggal 5 Oktober 198/D.04/2022 dated October 5, 2022 regarding
2022 perihal Pemberitahuan Efektifnya Pernyataan Notification of the Effectiveness of the Registration
Pendaftaran. Statement.
c. Dewan Komisaris dan Direksi c. Board of Commissioners and Directors
Susunan Dewan Komisaris dan Direksi Bank pada tanggal The composition of the Bank’s Boards of Commissioners
31 Desember 2023 dan 2022 adalah sebagai berikut: and Directors as of December 31, 2023 and 2022, are as
follows:
2023 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama Lim Cheol Jin Lim Cheol Jin President Commissioner
Komisaris Independen Sondang Martha Samosir Idham Aziz Independent Commissioner
Komisaris Independen Chairudin Sondang Martha Samosir Independent Commissioner
Direksi Board of Directors
Direktur Utama Park Young Man Park Young Man President Director
Wakil Direktur Utama Hendra Lie Hendra Lie Vice President Director
Direktur Kredit dan IT Inhyo Wang Kim Seongtaek Loan and TI Director
Direktur Operasional - Joyo Operational Director
Direktur Bisnis Vincentia Magdalena Djuniwati Wijaya - Business Director
Direktur Kepatuhan Efdinal Alamsyah Efdinal Alamsyah Compliance Director
Susunan Dewan Komisaris dan Direksi pada tanggal 31 The composition of the Board of Commissioners and the
Desember 2023 sesuai dengan akta No.3 tanggal 1 Board of Directors as of December 31, 2023 in
Agustus 2023 yang dibuat dihadapan Dr. Agung Iriantoro, accordance with deed No.3 dated August 1, 2023, which
S.H., M.H., notaris di Jakarta, mengenai perubahan Direksi made by Dr. Agung Iriantoro, S.H., M.H., notary in Jakarta,
dan Komisaris PT Bank Oke Indonesia Tbk, perubahan ini regarding the changes to the Board of Directors and
telah mendapatkan persetujuan dari Menteri Hukum dan Commissioners of PT Bank Oke Indonesia Tbk, this
Hak Asasi Manusia Republik Indonesia dengan Surat amendment has been approved by the Minister of Law
Keputusan No.AHU-AH.01.09-0146779 tanggal 1 Agustus and Human Rights of the Republic of Indonesia with the
2023. Decree No.AHU-AH.01.09-0146779 dated August 1, 2023.
11
Page 411
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
c. Dewan Komisaris dan Direksi (lanjutan) c. Board of Commissioners and Directors (continued)
Susunan Dewan Komisaris dan Direksi pada tanggal 31 The composition of the Board of Commissioners and the
Desember 2022 sesuai dengan akta No.4 tanggal 19 Mei Board of Directors as of December 31, 2022 in
2022 yang dibuat dihadapan Dr. Agung Iriantoro, S.H., accordance with deed No.4 dated May 19, 2022, which
M.H., notaris di Jakarta, mengenai perubahan Direksi dan made by Dr. Agung Iriantoro, S.H., M.H., notary in Jakarta,
Komisaris PT Bank Oke Indonesia Tbk, perubahan ini telah regarding the changes to the Board of Directors and
mendapatkan persetujuan dari Menteri Hukum dan Hak Commissioners of PT Bank Oke Indonesia Tbk, this
Asasi Manusia Republik Indonesia dengan Surat amendment has been approved by the Minister of Law
Keputusan No.AHU-AH.01.09-0013639 tanggal 19 Mei and Human Rights of the Republic of Indonesia with the
2022. Decree No.AHU-AH.01.09-0013639 dated May 19, 2022.
d. Komite Audit d. Audit Committee
Pada tanggal 31 Desember 2023 dan 2022, susunan As of December 31, 2023 and 2022 the members of the
Komite Audit Bank adalah sebagai berikut: Audit Committee are as follows:
2023 2022
Ketua Chairudin Idham Aziz Chairman
Anggota Sondang Martha Samosir Sondang Martha Samosir Member
Anggota Joyo Yahya Member
Anggota Heru Subroto Heru Subroto Member
Kepala SKAI/ Kepala SKAI/
Sekretaris Secretary
The Head of Internal Audit Unit The Head of Internal Audit Unit
e. Komite Remunerasi dan Nominasi e. Nomination and Remuneration Committee
Pada tanggal 31 Desember 2023 dan 2022, susunan As of December 31, 2023 and 2022 the members of the
Komite Nominasi dan Remunerasi Bank adalah sebagai Bank's Nomination and Remuneration Committee are as
berikut: follows:
2023 2022
Ketua Sondang Martha Samosir Idham Aziz Chairman
Anggota Lim Cheol Jin Lim Cheol Jin Member
Anggota merangkap Kepala Divisi SDM/ Kepala Divisi SDM/ Member concurrently
sekretaris Division Head of HR Division Head of HR of secretary
f. Komite Pemantau Risiko f. Risk Monitoring Committee
Pada tanggal 31 Desember 2023 dan 2022 susunan Komite As of December 31, 2023 and 2022 the members of the
Pemantau Risiko Bank adalah sebagai berikut: Bank's Risk Monitoring Committee are as follows:
Ketua Sondang Martha Samosir Sondang Martha Samosir Chairman
Anggota Chairudin Idham Aziz Member
Anggota Joyo Yahya Member
Anggota Heru Subroto Heru Subroto Member
Kepala Divisi MR/ Kepala Divisi MR/
Sekretaris Secretary
Division Head of RM Division Head of RM
g. Sekretaris Perusahaan g. Corporate Secretary
Sekretaris Perusahaan pada tanggal 31 Desember 2023 The Corporate Secretary as of December 31, 2023 and
dan 2022 berdasarkan Surat Keputusan Direksi Bank 2022 based on the Decision Letter of Board of Directors of
No.020/SK/DIR/VII/2019 tanggal 9 Juli 2019, adalah Efdinal the BankNo.020/SK/DIR/VII/2019 dated July 9, 2019, are
Alamsyah. Efdinal Alamsyah.
h. Satuan Kerja Audit Internal h. Internal Audit
Kepala Satuan Kerja Audit Internal (SKAI) pada tanggal 31 The Head of Internal Audit Unit as of December 31, 2023
Desember 2023 dan 2022 adalah Murniasih. and 2022 are Murniasih.
12
Page 412
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
i. Penggabungan usaha PT Bank Dinar Indonesia Tbk i. Merger of PT Bank Dinar Indonesia Tbk (BDI) with PT
(BDI) dengan PT Bank Oke Indonesia (BOI) Bank Oke Indonesia (BOI)
Berdasarkan Surat Keputusan Otoritas Jasa Keuangan Based on the Decree of the Financial Services Authority
(OJK) No.KEP-171/D.03/2018 tanggal 2 Oktober 2018 (OJK) No.KEP-171/D.03/2018 dated October 2, 2018
tentang Izin Rencana Akuisisi 77,38% saham PT Bank regarding the Permitt of Acquisition Plan of 77.38% shares
Dinar Indonesia Tbk oleh APRO Financial Co., Ltd. of PT Bank Dinar Indonesia Tbk by APRO Financial Co.,
sehingga pada tanggal 31 Oktober 2018 pemegang saham Ltd. therefore on October 31, 2018 the controlling
pengendali adalah APRO Financial Co., Ltd. sebanyak shareholder was APRO Financial Co., Ltd. as many as
1.741.070.435 lembar saham (77,38%) atau sebesar 1,741,070,435 shares (77.38%) or amounted of
Rp174.107.043.500. Rp174,107,043,500.
Dalam rangka mengedepankan pemenuhan prinsip tata In order to prioritize the fulfillment of the principles of good
kelola perusahaan yang baik dan rencana strategis usaha, corporate governance and business strategic plans, the
manajemen kedua bank mengajukan permohonan management of the two banks submitted a request for a
penggabungan usaha. Pada tanggal 28 Mei 2019, OJK business combination. On May 28, 2019, OJK has given
telah memberikan izin penggabungan usaha (merger) permission for merger of BOI into BDI, based on OJK
kepada BOI ke dalam BDI, berdasarkan Surat Keputusan Board of Commissioners Decree No.KEP-104/D.03/2019.
Dewan Komisaris OJK No.KEP-104/D.03/2019.
Dalam penggabungan usaha, pemegang saham kedua In the business combination, the shareholders of both
bank, APRO Financial Co., Ltd. melakukan pembelian dan banks, APRO Financial Co., Ltd. bought and converted
konversi 100% saham BOI sehingga APRO Financial Co., 100% of BOI's shares so that APRO Financial Co., Ltd.
Ltd. memiliki 91,33% saham dari bank hasil penggabungan. owns 91.33% shares of the merged bank. As a result of
Akibat dari penggabungan ini, BOI akan berakhir demi this merger, BOI will be dissolved by law without prior
hukum tanpa dilakukan likuidasi sebelumnya dan liquidation and all its assets and obligations will be
seluruhnya aset dan kewajiban BOI akan beralih demi transferred by law to BDI as the surviving entity in the
hukum kepada BDI sebagai Bank yang menerima merger. This business combination transactions is
penggabungan. Penggabungan usaha ini dilakukan dengan accounted for polling of interest method using book value.
metode penyatuan kepentingan (polling of interest).
Pengesahan penggabungan badan hukum PT Bank Dinar The merger legalization of the legal entity of PT Bank
Indonesia Tbk disetujui oleh Menteri Hukum dan Hak Asasi Dinar Indonesia Tbk was approved by the Minister of Law
Manusia Republik Indonesia No.AHU-AH.01.10-0008817 and Human Rights of the Republic of Indonesia No.AHU-
Tahun 2019 tanggal 8 Juli 2019. AH.01.10-0008817 Year 2019 dated July 8, 2019.
j. Jumlah karyawan j. Number of employees
Pada tanggal 31 Desember 2023 dan 2022, Bank memiliki As of December 31, 2023 dan 2022 the Bank had 327 and
karyawan masing-masing sebanyak 327 dan 317. 317 employees, respectively.
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
Kebijakan akuntansi yang penting yang diterapkan secara The significant accounting policies that are consistently
konsisten dalam penyusunan laporan keuangan adalah sebagai applied in the preparation of the financial statements are as
berikut: follows:
a. Dasar penyusunan laporan keuangan dan pernyataan a. Basis of preparation of the financial statements and
kepatuhan statement of compliance
Laporan keuangan telah disusun dan disajikan sesuai The Bank’s financial statements were prepared in
dengan Standar Akuntansi Keuangan di Indonesia (SAK), accordance with Indonesian Financial Accounting
yang mencakup Pernyataan Standar Akuntansi Keuangan Standards, which comprise the Statements of Financial
(PSAK) dan Interpretasi Standar Akuntansi Keuangan Accounting Standards (“PSAK”) and Interpretations of
(ISAK) yang dikeluarkan oleh Dewan Standar Akuntansi Financial Accounting Standards (“ISAK”) issued by the
Keuangan Ikatan Akuntan Indonesia (DSAK–IAI). Laporan Financial Accounting Standards Board of the Indonesian
keuangan juga disusun sesuai dengan Peraturan Institute of Accountants (DSAK-IAI). The financial
No.VIII.G.7 tentang ”Penyajian dan Pengungkapan Laporan statements have also been prepared in accordance with
Keuangan Emiten atau Perusahaan Publik”. Regulation No.VIII.G.7 regarding “Financial Statements
Presentation and Disclosure of Publicly Listed
Companies”.
13
Page 413
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
a. Dasar penyusunan laporan keuangan dan pernyataan a. Basis of preparation of the financial statements and
kepatuhan (lanjutan) statement of compliance (continued)
Laporan keuangan telah disajikan berdasarkan nilai historis The financial statements have been prepared on a
dan disusun dengan dasar akrual, kecuali untuk yang historical cost basis and under the accrual basis of
berikut ini: accounting, except for the following:
- Aset keuangan yang diukur pada nilai wajar melalui - Financial assets are measured at fair value through
penghasilan komprehensif lain. other comprehensive income.
- Aset tetap menggunakan model revaluasi. - Property and equipment using revaluation model.
- Liabilitas untuk imbalan pasti dihitung dengan - Liabilities for defined benefit obligations calculated
menggunakan metode penilaian aktuarial projected unit using the projected unit credit method.
credit.
- Laporan arus kas. - Statement of cash flows.
Laporan arus kas disusun dengan menggunakan metode The statements of cash flows are prepared using the direct
langsung dengan mengelompokkan arus kas atas dasar method and are classified into cash flows on the basis of
aktivitas operasi, investasi dan pendanaan. Untuk tujuan operating, investing and financing activities. For the
laporan arus kas, kas dan setara kas mencakup kas, giro purpose of the statements of cash flows, cash and cash
pada Bank Indonesia, giro pada bank lain dan investasi equivalents include cash, current accounts with Bank
jangka pendek likuid lainnya dengan jangka waktu jatuh Indonesia, current accounts with other banks and other
tempo tiga bulan atau kurang sepanjang tidak digunakan short-term highly liquid investments with original maturities
sebagai jaminan atas pinjaman atau dibatasi of three months or less, as long as they are not being
penggunaannya. pledged as collateral for borrowings or restricted.
Laporan keuangan ini disajikan dalam bahasa Indonesia The financial statements are presented in Indonesian and
dan Inggris. Dalam hal terdapat perbedaan penafsiran English. In the event that there are differences in
akibat penerjemahan bahasa, maka yang digunakan interpretation due to the language translation, then used
sebagai acuan adalah laporan keuangan dalam bahasa as a reference are the financial statements in Indonesian.
Indonesia.
Mata uang fungsional dan penyajian Functional and presentation currency
Laporan keuangan disajikan dalam mata uang Rupiah, The Bank’s financial statements are presented in
yang merupakan mata uang fungsional Bank. Angka-angka Indonesian Rupiah, which is also the Bank’s functional
yang disajikan dalam laporan keuangan menggunakan currency amounts presented in the financial statements
Rupiah penuh, kecuali bila dinyatakan secara khusus. are expressed in Rupiah, unless otherwise stated.
Transaksi dan saldo dalam mata uang asing Transaction and balances in foreign currency
Transaksi dalam mata uang asing dijabarkan ke Rupiah Transactions in foreign currencies are translated into
dengan menggunakan kurs yang berlaku pada tanggal Rupiah using the exchange rates prevailing at the
transaksi. Pada tanggal pelaporan, aset dan liabilitas transaction date. At the reporting date, monetary assets
moneter dalam mata uang asing dijabarkan ke dalam and liabilities denominated in foreign currencies are
Rupiah dengan kurs yang berlaku pada tanggal tersebut. translated into Rupiah at the exchange rate prevailing at
Keuntungan dan kerugian selisih kurs yang timbul dari that
Gainsdate.and losses arising from foreign currency
transaksi dalam mata uang asing dan dari penjabaran aset transactions and from the translation of monetary assets
dan liabilitas moneter dalam mata uang asing, diakui pada and liabilities denominated in foreign currencies are
laporan laba rugi tahun berjalan. recognized in the statement of profit or loss for the year.
14
Page 414
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
b. Perubahan pada pernyataan standar akuntansi b. Changes to the statements of financial accounting
keuangan dan interpretasi atas Pernyataan Standar standard and interpretations of the Statements of
Akuntansi Keuangan Financial Accounting Standard
Berikut ini adalah standar, perubahan dan interpretasi yang The following standards, amendments and interpretations
berlaku efektif sejak tanggal 1 Januari 2023: became effective since January 1, 2023:
a. Amendemen PSAK 1, “Penyajian Laporan Keuangan a. Amendment to PSAK 1, “Presentation of Financial
tentang Klasifikasi Liabilitas sebagai Jangka Pendek Statements concerning Classification of Liabilities as
atau Jangka Panjang”, penerapan lebih awal diizinkan. Short-Term or Long-Term”, earlier application is
Amandemen menentukan persyaratan untuk permitted. The amendments specify the requirement to
mengklasifikasikan kewajiban sebagai lancar atau tidak classify liabilities as current or non-current.
lancar.
b. Amendemen PSAK 25, “Kebijakan Akuntansi, b. Amendment to PSAK 25, “Accounting Policies,
Perubahan Estimasi Akuntansi dan Kesalahan”, Changes in Accounting Estimates and Error”, earlier
penerapan lebih awal diizinkan. Amendemen PSAK 25 application is permitted. Amendments to PSAK 25
memberi definisi baru dari estimasi akuntansi dan provide a new definition of accounting estimate and an
penjelasannya. explanation.
c. Amendemen PSAK 46, “Pajak Penghasilan” tentang c. Amendments to PSAK 46, “Income Taxes” regarding
Pajak Tangguhan terkait Aset dan Liabilitas yang timbul Deferred Tax on Assets and Liabilities arising from a
dari Transaksi Tunggal, penerapan lebih awal diizinkan. Single Transaction, earlier application is permitted.
Amendemen PSAK 46 ini mengusulkan agar entitas This amendment to PSAK 46 proposes that entities
mengakui aset maupun liabilitas pajak tangguhan pada recognize deferred tax assets and liabilities upon initial
saat pengakuan awalnya misalnya dari transaksi sewa, recognition, for example from lease transactions, to
untuk menghilangkan perbedaan praktik di lapangan eliminate differences in practice in the field for such
atas transaksi tersebut dan transaksi serupa. transactions and similar transactions.
d. Amandemen PSAK 16, "Aset Tetap" tentang hasil d. Amendment of PSAK 16, "Fixed Assets" regarding
sebelum penggunaan yang diintensikan. proceeds before intended use.
e. Amandemen PSAK 107, "Akuntansi Ijarah". e. Amendment of PSAK 107, "Ijarah Accounting".
Implementasi dari standar-standar tersebut tidak The implementation of the above standards did not result
menghasilkan perubahan substansial terhadap kebijakan in substantial changes to the Company's accounting
akuntansi Bank dan tidak memiliki dampak yang material policies and had no material impact to the financial
terhadap laporan keuangan di periode berjalan atau tahun statements for current period or prior financial years.
sebelumnya.
c. Aset dan liabilitas keuangan c. Financial assets and liabilities
Aset keuangan terdiri dari kas, giro pada Bank Indonesia, Financial assets consist of cash, current account with
giro pada bank lain, penempatan pada Bank Indonesia dan Bank Indonesia, current account with other banks,
bank lain, efek-efek, pinjaman yang diberikan dan aset lain- placement with Bank Indonesia and other banks,
lain. marketable securities, loans and other assets.
Liabilitas keuangan terdiri dari liabilitas segera, simpanan Financial liabilities consist of liabilities immediately
dari nasabah, simpanan dari bank lain dan liabilitas lain- payable, depostits from customers, deposits from other
lain. banks and other liabilities.
(i) Klasifikasi (i) Classification
Sesuai dengan PSAK 71, terdapat tiga klasifikasi In accordance with PSAK 71, there are three
pengukuran aset keuangan: measurement classifications for financial assets:
- Biaya perolehan diamortisasi; - Amortised cost;
- Diukur pada nilai wajar melalui laba rugi (FVTPL); - Fair value through profit or loss (FVTPL);
- Diukur pada nilai wajar melalui penghasilan - Fair value through other comprehensive income
komprehensif lain (FVOCI). (FVOCI).
Aset keuangan diklasifikasikan menjadi kategori Financial assets are classified into these categories
tersebut di atas berdasarkan model bisnis dimana aset based on the business model within which they are
keuangan tersebut dimiliki dan karakteristik arus kas held and their contractual cash flow characteristics.
kontraktualnya. Model bisnis merefleksikan bagaimana The business model reflects how groups of financial
kelompok aset keuangan dikelola untuk mencapai assets are managed to achieve a particular business
tujuan bisnis tertentu. objective.
15
Page 415
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Aset keuangan dapat diukur dengan biaya perolehan A financial asset is measured at amortised cost only if
diamortisasi hanya jika memenuhi kedua kondisi berikut it meets both of the following conditions and it is not
dan tidak ditetapkan sebagai FVTPL: designated as at FVTPL:
- Aset keuangan dikelola dalam model bisnis yang - The financial assets is held within a business
bertujuan untuk memiliki aset keuangan untuk model whose objective is to hold the asset to
tujuan mendapatkan arus kas kontraktual (held to collect contractual cash flows (held to collect); and
collect) ; dan
- Kriteria kontraktual dari aset keuangan yang pada - Its contractual terms give rise on specified dates to
tanggal tertentu menghasilkan arus kas yang cash flows that are solely payments of principal
merupakan pembayaran pokok dan bunga semata and interest (SPPI) on the principal amount
(SPPI) dari jumlah pokok terutang. outstanding.
Suatu instrumen utang diukur pada FVOCI, hanya jika A debt instruments measured at FVOCI only if it meets
memenuhi kedua kondisi berikut dan tidak ditetapkan both of the following conditions and is not designated
sebagai FVTPL: as at FVTPL:
- Aset keuangan dikelola dalam model bisnis yang - The financial asset is held within a business model
tujuan tercapai dengan mendapatkan arus kas whose objective is achieved by both collecting
kontraktual dan menjual aset keuangan (held to contractual cash flows and selling the financial
collect and sell) ; dan asset (held to collect and sell); and
- Kriteria kontraktual dari aset keuangan yang pada - Its contractual terms give rise on specified dates to
tanggal tertentu menghasilkan arus kas yang cash flows that are solely payments of principal
merupakan pembayaran pokok dan bunga semata and interest on the principal amount outstanding.
dari jumlah pokok terutang.
Seluruh aset keuangan yang tidak diklasifikasikan All financial assets not classified as measured at
sebagai diukur dengan biaya perolehan diamortisasi amortized cost or FVOCI as described above are
atau FVOCI sebagaimana ketentuan di atas diukur measured at FVTPL.
dengan FVTPL.
Aset dapat dijual dari portofolio hold to collect ketika Assets may be sold out of hold to collect portfolios
terdapat peningkatan risiko kredit. Penghentian untuk where there is an increase in credit risk. Disposals for
alasan lain diperbolehkan namun jumlah penjualan other reasons are permitted but such sales should be
tersebut harus tidak signifikan jumlahnya atau tidak insignificant in value or infrequent in nature.
sering.
Laba rugi yang belum direalisasi atas aset keuangan Unrealized gains or losses of financial assets held at
yang diklasifikasikan sebagai FVOCI ditangguhkan di FVOCI deferred in other comprehensive income until
pendapatan komprehensif lain sampai aset tersebut the asset is derecognised.
dihentikan.
Aset keuangan dapat ditetapkan sebagai FVTPL hanya Financial assets may be designated at FVTPL only if
jika ini dapat mengeliminasi atau mengurangi doing so eliminates or reduces accounting mismatch.
accounting mismatch .
Penilaian apakah arus kas kontraktual hanya Assessment of whether contractual cash flows are
merupakan pembayaran pokok dan bunga semata solely payments of principal and interest
Untuk tujuan penilaian ini, 'pokok' didefinisikan sebagai For the purposes of this assessment, 'principal' is
nilai wajar dari aset keuangan pada pengakuan awal. defined as the fair value of the financial asset on initial
'Bunga' didefinisikan sebagai imbalan untuk nilai waktu recognition. 'Interest' is defined as consideration for
atas uang dan untuk risiko kredit yang terkait dengan the time value of money and for the credit risk
jumlah pokok yang terutang selama periode waktu associated with the principal amount outstanding
tertentu dan untuk risiko dan biaya pinjaman dasar during a particular period of time and for other basic
lainnya (misalnya risiko likuiditas dan biaya lending risks and costs (e.g. liquidity risk and
administrasi), serta marjin keuntungan. administrative costs), as well as profit margin.
16
Page 416
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Dalam menilai apakah arus kas kontraktual adalah In assessing whether the contractual cash flows are
SPPI, Bank mempertimbangkan ketentuan kontraktual SPPI, the Bank considers the contractual terms of the
instrumen tersebut. Hal ini termasuk menilai apakah instrument. This includes assessing whether the
aset keuangan mengandung ketentuan kontraktual financial asset contains a contractual term that could
yang dapat mengubah waktu atau jumlah arus kas change the timing or amount of contractual cash flows
kontraktual sehingga tidak memenuhi kondisi ini. Dalam such that it would not meet this condition. In making
melakukan penilaian, Bank mempertimbangkan: the assessment, the Bank considers:
- Kejadian kontinjensi yang akan mengubah jumlah - Contingent events that would change the amount
dan waktu arus kas; and timing of cash flows;
- Fitur leverege ; - Leverage features;
- Persyaratan pelunasan dipercepat dan - Prepayment and extention terms;
perpanjangan fasilitas;
- Ketentuan yang membatasi klaim Bank atas arus - Terms that limit the Bank's claim to cash flows
kas dari aset tertentu (seperti pinjaman non- from specified assets (e.g. non-recourse loans);
recourse ); dan and
- Fitur yang memodifikasi imbalan dari nilai waktu - Features that modify consideration of the time
atas uang (seperti penetapan ulang suku bunga value of money (e.g. periodical reset of interest
berkala). rates).
Penilaian model bisnis Business model assessment
Model bisnis mengacu pada bagaimana aset keuangan Business model refers to how financial assets are
dikelola bersama untuk menghasilkan arus kas untuk managed together to generate cash flows for the
Bank. Arus kas mungkin dihasilkan dengan menerima Bank. This may be collecting contractual cash flows,
arus kas kontraktual, menjual aset keuangan atau selling financial assets or both. Business models are
keduanya. Model bisnis ditentukan pada tingkat determined at a level of aggregation where groups of
agregasi di mana kelompok aset dikelola bersama assets are managed together to achieve a particular
untuk mencapai tujuan tertentu dan tidak bergantung objective and do not depend on management's
pada niat manajemen pada instrumen individual. intentions for individual instruments.
Bank menilai model bisnis pada aset keuangan The Bank assesses the business model of financial
setidaknya pada tingkat lini bisnis atau pada di mana assets at least at business line level or where there
terdapat variasi mandat/tujuan dalam lini bisnis, pada are varying mandates or objectives within a business
lini bisnis produk atau pada tingkat desk yang lebih line, at a more granular product business line or desk
granular (misalnya sub-portofolio atau sub-lini bisnis). level (i.e. subportfolios or sub-business lines).
Penentuan model bisnis dilakukan dengan Business model determinations are made considering
mempertimbangkan semua bukti relevan yang tersedia all relevant evidence that is available at the date of the
pada tanggal penilaian. Ini termasuk, tetapi tidak assessment. This includes, but is not limited to:
terbatas pada:
- bagaimana kinerja bisnis dan aset keuangan yang - how the performance of the business and the
ada di dalam unit bisnis itu dievaluasi dan financial assets held within that business unit are
dilaporkan kepada manajemen. Tingkat pemisahan evaluated and reported to management. The level
yang diidentifikasi untuk klasifikasi PSAK 71 harus of segregation identified for PSAK 71 classification
konsisten dengan bagaimana portofolio aset should be consistent with how asset portfolios are
dipisahkan dan dilaporkan kepada manajemen; segregated and reported to senior management;
- risiko yang mempengaruhi kinerja unit bisnis dan - the risks that affect the performance of the
aset keuangan yang dimiliki dalam unit bisnis itu business unit and the financial assets held within
dan khususnya bagaimana risiko itu dikelola; dan that business unit and in particular the way those
risks are managed; and
- bagaimana manajer unit bisnis dikompensasi - how managers of the business unit are
(misalnya, apakah kompensasi didasarkan pada compensated (for example, whether the
nilai wajar dari aset yang dikelola atau pada arus compensation is based on the fair value of the
kas kontraktual yang dikumpulkan). assets managed or on the contractual cash flows
collected).
17
Page 417
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Penentuan model bisnis dilakukan berdasarkan Business model determinations are made on the basis
skenario yang diperkirakan akan terjadi oleh Bank dan of scenarios that the Bank reasonably expects to
tidak dalam kondisi sangat tertekan atau 'kondisi occur and not under highly stressed or 'worst case'
terburuk'. Jika aset dijual dalam kondisi yang tidak conditions. Where assets are disposed of under
diharapkan oleh Bank untuk berlaku ketika aset diakui, conditions that the Bank did not reasonably expect to
klasifikasi aset keuangan yang ada dalam portofolio prevail when the assets were recognised, the
tidak disajikan secara tidak akurat, tetapi kondisi classification of existing financial assets in the portfolio
tersebut harus dipertimbangkan untuk aset yang are not rendered inaccurate but the conditions in
diperoleh di masa mendatang. question should be considered for any assets acquired
going forward.
Pemilihan model operasi dalam PSAK 71 dirancang The Targeting Operating Model for PSAK 71 is
sedemikian rupa sehingga akuntansi untuk instrumen di designed such that accounting for instruments at
FVTPL adalah pilihan yang tepat/conscious . FVTPL is a conscious choice.
Perubahan pada model bisnis atau pengenalan model Changes to business models or the introduction of
bisnis baru ditentukan melalui proses persetujuan unit new business models are determined through the new
bisnis baru. business unit approval process.
Bank dapat mereklasifikasi seluruh aset keuangan The Bank can reclassified all of its financial assets
yang terpengaruh jika dan hanya jika, model bisnis when and only, its business model for managing those
untuk pengelolaan aset keuangan berubah. financial assets changes.
(ii) Pengakuan awal (ii) Initial recognition
Bank pada awalnya mengakui pinjaman yang diberikan The Bank initially recognises loans and deposits on
dan simpanan pada tanggal perolehan. the date of origination.
Semua aset dan liabilitas keuangan lainnya pada All other financial assets and liabilities are initially
awalnya diakui pada tanggal perdagangan dimana recognised on the trade date at which the Bank
Bank menjadi suatu pihak dalam ketentuan kontraktual becomes a party to the contractual provisions of the
instrumen tersebut. instruments.
Pembelian dan penjualan aset keuangan yang lazim Regular way purchases and sales of financial assets
(reguler) diakui pada tanggal perdagangan dimana are recognised on the trade date at which the Bank
Bank memiliki komitmen untuk membeli atau menjual commits to purchase or sell those assets.
aset tersebut.
Pada saat pengakuan awal, aset keuangan atau A financial asset or financial liability is initially
liabilitas keuangan diukur pada nilai wajar measured at fair value plus/less (for an item not
ditambah/dikurangi (untuk item yang tidak diukur pada subsequently measured at fair value through profit or
nilai wajar melalui laba rugi setelah pengakuan awal) loss) transaction costs that are directly attributable to
biaya transaksi yang dapat diatribusikan secara the acquisition of a financial asset or issuance of a
langsung atas perolehan aset keuangan atau financial liability. The subsequent measurement of
penerbitan liabilitas keuangan. Pengukuran aset financial assets and financial liabilities depends on
keuangan dan liabilitas keuangan setelah pengakuan their classification.
awal tergantung pada klasifikasi aset keuangan dan
liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya-biaya yang dapat Transaction costs include only those costs that are
diatribusikan secara langsung untuk perolehan suatu directly attributable to the acquisition of a financial
aset keuangan atau penerbitan suatu liabilitas asset or issuance of a financial liability and are
keuangan dan merupakan biaya tambahan yang tidak incremental costs that would not have been incurred if
akan terjadi apabila instrumen keuangan tersebut tidak the instrument had not been acquired or issued.
diperoleh atau diterbitkan.
18
Page 418
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(ii) Pengakuan awal (lanjutan) (ii) Initial recognition (continued)
Aset keuangan yang diukur pada nilai wajar melalui Financial assets carried at fair value through profit or
laporan laba rugi pada awalnya dicatat sebesar nilai loss are initially recognised at fair value and
wajar dan biaya transaksinya dibebankan pada laporan transaction costs are expensed in the profit or loss.
laba rugi. Aset keuangan tersedia untuk dijual, FVOCI Available-for-sale financial assets, FVOCI and
dan aset keuangan yang diukur pada nilai wajar melalui financial assets at fair value through profit or loss are
laporan laba rugi selanjutnya dicatat sebagai nilai wajar. subsequently carried at fair value. Loans and
Pinjaman yang diberikan dan piutang dan aset receivables and financial asset held to maturity are
keuangan dimiliki hingga jatuh tempo dicatat sebesar carried at amortised cost using the effective interest
biaya perolehan diamortisasi dengan menggunakan rate method.
metode suku bunga efektif.
Untuk liabilitas keuangan, biaya transaksi dikurangkan For financial liabilities, transaction costs are deducted
dari jumlah utang yang diakui pada pengakuan awal from the amount of debt initially recognised. Such
liabilitas. Biaya transaksi tersebut diamortisasi selama transactions costs are amortised over the terms of the
umur instrumen berdasarkan metode suku bunga instruments based on the effective interest rate
efektif dan dicatat sebagai bagian dari beban bunga. method and are recorded as part of interest expense.
(iii) Pengukuran biaya perolehan diamortisasi (iii) Amortised cost measurement
Biaya perolehan diamortisasi dari aset keuangan atau The amortised cost of a financial asset or financial
liabilitas keuangan adalah jumlah aset atau liabilitas liability is the amount at which the financial asset or
keuangan yang diukur pada saat pengakuan awal, liability is measured at initial recognition, less principal
dikurangi pembayaran pokok, ditambah atau dikurangi repayments, plus or less the cumulative amortisation
dengan amortisasi kumulatif dengan menggunakan using the effective interest method of any difference
metode suku bunga efektif yang dihitung dari selisih between the initial amount recognised and the maturity
antara nilai awal dan nilai jatuh temponya dan dikurangi amount and minus any allowance for impairment
cadangan kerugian penurunan nilai. losses.
Kerugian penurunan nilai dilaporkan sebagai The impairment loss is reported as a deduction from
pengurang dari nilai tercatat dari aset keuangan dalam the carrying value of the financial assets classified as
kelompok biaya perolehan diamortisasi, dan diakui di amortised cost and recognised in the statement of
dalam laporan laba rugi sebagai kerugian penurunan profit or loss as impairment losses on financial assets.
nilai aset keuangan.
Tingkat suku bunga efektif adalah suku bunga yang The effective interest rate is the rate that exactly
secara tepat mendiskontokan estimasi arus kas di discounts the estimated future cash flows through the
masa datang selama perkiraan umur dari aset expected life of the financial asset or financial liability
keuangan atau liabilitas keuangan (atau jika lebih tepat, (or, where appropriate, a shorter period) to the net
digunakan periode yang lebih singkat) untuk carrying amount at initial recognition. When calculating
memperoleh nilai tercatat bersih pada saat pengakuan the effective interest rate, the Bank estimates future
awal. Pada saat menghitung tingkat suku bunga efektif, cash flows considering all contractual terms of the
Bank mengestimasi arus kas di masa datang dengan financial instrument, but does not consider any future
mempertimbangkan seluruh persyaratan kontraktual credit losses.
dalam instrumen keuangan tersebut, namun tidak
mempertimbangkan kerugian kredit di masa
mendatang.
Perhitungan suku bunga efektif mencakup biaya The calculation of the effective interest rate includes
transaksi dan seluruh imbalan/provisi dan bentuk lain transaction costs and all fees and provisions paid or
yang dibayarkan atau diterima yang merupakan bagian received that are an integral part of the effective
tak terpisahkan dari suku bunga efektif. interest rate.
19
Page 419
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(iv) Pengukuran nilai wajar (iv) Fair value measurement
Nilai wajar adalah harga yang akan diterima untuk Fair value is the price that would be received to sell an
menjual suatu aset atau harga yang akan dibayar untuk asset or paid to transfer a liability in an orderly
mengalihkan suatu liabilitas dalam transaksi teratur transaction between market participants at the
(orderly transaction) antara pelaku pasar (market measurement date in the principal market or, in its
participants) pada tanggal pengukuran di pasar utama absence, the most advantageous market to which the
atau, jika tidak terdapat pasar utama, di pasar yang Bank has access at that date. The fair value of a
paling menguntungkan dimana Bank memiliki akses liability reflects its non-performance risk.
pada tanggal tersebut. Nilai wajar liabilitas
mencerminkan risiko wanprestasinya.
Jika tersedia, Bank mengukur nilai wajar instrumen When available, the Bank measures the fair value of a
keuangan dengan menggunakan harga kuotasian di financial instrument using the quoted price in an active
pasar aktif untuk instrumen tersebut. Suatu pasar market for that instrument. A market is regarded as
dianggap aktif jika transaksi atas aset dan liabilitas active if transactions for the asset or liability take place
terjadi dengan frekuensi dan volume yang memadai with sufficient frequency and volume to provide pricing
untuk menyediakan informasi penentuan harga secara information on an ongoing basis.
berkelanjutan.
Jika harga kuotasian tidak tersedia di pasar aktif, Bank If there is no quoted price in an active market, then the
menggunakan teknik penilaian dengan memaksimalkan Bank uses valuation techniques that maximise the use
penggunaan input yang dapat diobservasi dan relevan of relevant observable inputs and minimise the use of
dan meminimalkan penggunaan input yang tidak dapat unobservable inputs. The chosen valuation technique
diobservasi. Teknik penilaian yang dipilih incorporates all of the factors that market participants
menggabungkan semua faktor yang diperhitungkan would take into account in pricing a transaction.
oleh pelaku pasar dalam penentuan harga transaksi.
Bukti terbaik atas nilai wajar instrumen keuangan pada The best evidence of the fair value of a financial
saat pengakuan awal adalah harga transaksi, yaitu nilai instrument at initial recognition is normally the
wajar dari pembayaran yang diberikan atau diterima. transaction price, i.e., the fair value of the
Jika Bank menetapkan bahwa nilai wajar pada consideration given or received. If the Bank
pengakuan awal berbeda dengan harga transaksi dan determines that the fair value at initial recognition
nilai wajar tidak dapat dibuktikan dengan harga differs from the transaction price and the fair value is
kuotasian di pasar aktif untuk aset atau liabilitas yang evidenced neither by a quoted price in an active
identik atau berdasarkan teknik penilaian yang hanya market for an identical asset or liability nor based on a
menggunakan data dari pasar yang dapat diobservasi, valuation technique that uses only data from
maka nilai wajar instrumen keuangan pada saat observable markets, then the financial instrument is
pengakuan awal disesuaikan untuk menangguhkan initially measured at fair value, adjusted to defer the
perbedaan antara nilai wajar pada saat pengakuan difference between the fair value at initial recognition
awal dan harga transaksi. Setelah pengakuan awal, and the transaction price. Subsequently, that
perbedaan tersebut diakui dalam laba rugi berdasarkan difference is recognised in profit or loss on an
umur dari instrumen tersebut namun tidak lebih lambat appropriate basis over the life of the instrument but no
dari saat penilaian tersebut didukung sepenuhnya oleh later than when the valuation is wholly supported by
data pasar yang dapat diobservasi atau saat transaksi observable market data or the transaction is closed
ditutup. out.
Jika aset atau liabilitas yang diukur pada nilai wajar If an asset or a liability measured at fair value has a
memiliki harga penawaran dan harga permintaan, maka bid price and an ask price, then the Bank measures
Bank mengukur aset dan posisi long berdasarkan assets and long positions at a bid price and liabilities
harga penawaran dan mengukur liabilitas dan posisi and short positions at an ask price.
short berdasarkan harga permintaan.
20
Page 420
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(iv) Pengukuran nilai wajar (lanjutan) (iv) Fair value measurement (continued)
Kelompok aset keuangan dan liabilitas keuangan yang Portfolios of financial assets and financial liabilities
diukur pada nilai wajar, yang terekspos risiko pasar dan measured at fair value, that are exposed to market risk
risiko kredit yang dikelola oleh Bank berdasarkan and credit risk that are managed by the Bank on the
eksposur netonya baik terhadap risiko pasar ataupun basis of the net exposure to either market or credit
risiko kredit, diukur berdasarkan harga yang akan risk, are measured on the basis of a price that would
diterima untuk menjual posisi net long (atau dibayar be received to sell a net long position (or paid to
untuk mengalihkan posisi net short ) untuk eksposur transfer a net short position) for a particular risk
risiko tertentu. Penyesuaian pada level kelompok exposure. Those portfolio-level adjustments are
tersebut dialokasikan pada aset dan liabilitas individual allocated to the individual assets and liabilities on the
berdasarkan penyesuaian risiko relatif dari masing- basis of the relative risk adjustment of each of the
masing instrumen individual di dalam kelompok. individual instruments in the portfolio.
(v) Penghentian pengakuan (v) Derecognition
Bank menghentikan pengakuan aset keuangan pada The Bank derecognises a financial asset when the
saat hak kontraktual atas arus kas yang berasal dari contractual rights to the cash flows from the financial
aset keuangan tersebut kadaluwarsa, atau Bank asset expire, or when it transfers the rights to receive
mentransfer seluruh hak untuk menerima arus kas the contractual cash flows on the financial asset in a
kontraktual dari aset keuangan dalam transaksi dimana transaction in which substantially all the risks and
Bank secara substansial telah mentransfer seluruh rewards of ownership of the financial asset are
risiko dan manfaat atas kepemilikan aset keuangan transferred. Any interest in transferred financial assets
yang ditransfer. Setiap hak atau liabilitas atas aset that is created or retained by the Bank is recognised
keuangan yang ditransfer yang timbul atau yang masih as a separate asset or liability.
dimiliki oleh Bank diakui sebagai aset atau liabilitas
secara terpisah.
Dalam transaksi dimana Bank secara substansial tidak In transactions in which the Bank neither retains nor
memiliki atau tidak mentransfer seluruh risiko dan transfers substantially all the risks and rewards of
manfaat atas kepemilikan aset keuangan, Bank ownership of a financial asset, the Bank derecognises
menghentikan pengakuan aset tersebut jika Bank tidak the asset if it does not retain control over the asset.
lagi memiliki pengendalian atas aset tersebut. Hak dan The rights and obligations retained in the transfer are
kewajiban yang masih dimiliki dalam transfer tersebut recognised separately as assets and liabilities as
diakui secara terpisah sebagai aset atau liabilitas. appropriate. In transfers in which control over the
Dalam transfer dimana pengendalian atas aset masih asset is retained, the Bank continues to recognise the
dimiliki, Bank tetap mengakui aset yang ditransfer asset to the extent of its continuing involvement,
tersebut sebesar keterlibatan berkelanjutan, dimana determined by the extent to which it is exposed to
tingkat keberlanjutan Bank dalam aset yang ditransfer changes in the value of the transferred asset.
adalah sebesar perubahan nilai aset yang ditransfer.
Bank menghapusbukukan aset keuangan dan The Bank writes off a financial asset and any related
cadangan kerugian penurunan nilai terkait, pada saat allowance for impairment losses, when the Bank
Bank menentukan bahwa aset keuangan tersebut tidak determines that the financial asset is completely
dapat ditagih seluruhnya. Keputusan ini diambil setelah uncollectible. This determination is reached after
mempertimbangkan informasi seperti telah terjadinya considering information such as the occurrence of
perubahan signifikan pada posisi keuangan significant changes in the financial position of
debitur/penerbit aset keuangan sehingga borrower/financial asset's issuer such that the
debitur/penerbit aset keuangan tidak lagi dapat borrower/financial asset's issuer can no longer pay
melunasi kewajibannya, atau hasil penjualan agunan the obligation, or that proceeds from collateral will not
tidak akan cukup untuk melunasi seluruh eksposur be sufficient to pay back the entire exposure.
pinjaman yang diberikan.
21
Page 421
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
c. Aset dan liabilitas keuangan (lanjutan) c. Financial assets and liabilities (continued)
(vi) Saling hapus (vi) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and the net
disalinghapuskan dan jumlah netonya dilaporkan pada amount is reported in the statement of financial
laporan posisi keuangan ketika terdapat hak yang position when there is a legally enforceable right to
berkekuatan hukum untuk melakukan saling hapus atas offset the recognised amounts and there is an
jumlah yang telah diakui tersebut dan adanya niat untuk intention to settle on a net basis, or realise the asset
menyelesaikan liabilitas secara bersamaan. Hak saling and settle the liability simultaneously. The legally
hapus tidak kontinjen atas peristiwa di masa depan dan enforceable right must not be contingent on future
dapat dipaksakan secara hukum dalam situasi bisnis events and must be enforceable in the normal course
yang normal dan dalam peristiwa gagal bayar, atau of business and in the event of default in solvency or
peristiwa kepailitan atau kebangkrutan Bank atau pihak bankcruptcy or the Bank or the counterparty.
lawan.
Pendapatan dan beban disajikan dalam jumlah bersih Income and expenses are presented on a net basis
hanya jika diperkenankan oleh standar akuntansi. only when permitted by accounting standards.
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan financial assets
PSAK 71 mengharuskan cadangan kerugian diakui sebesar PSAK 71 requires a loss allowance to be recognised at an
kerugian kredit ekspektasian 12 bulan (12-month ECL) atau amount equal to either 12-month expected credit losses
kerugian kredit ekspektasian sepanjang umur aset (ECL) or lifetime ECLs. Lifetime ECLs are the ECLs that
keuangan (lifetime ECL) . Lifetime ECL adalah kerugian result from all possible default events over the expected
kredit ekspektasian yang berasal dari semua kemungkinan life of a financial instrument, whereas 12-month ECLs are
kejadian gagal bayar sepanjang umur ekspektasian suatu the portion of ECLs that result from default events that are
instrumen keuangan, sedangkan ECL 12 bulan adalah porsi possible within the 12 months after reporting date.
dari kerugian kredit ekspektasian yang berasal dari
kemungkinan kejadian gagal bayar dalam 12 bulan setelah
tanggal pelaporan.
Kerugian kredit ekspektasian atau Expected Credit Losses Expected Credit Losses (ECL) are recognized for all
(ECL) diakui untuk seluruh instrumen utang keuangan, financial debt instruments, loan commitments and financial
komitmen pinjaman dan jaminan keuangan yang guarantees that are classified as hold to collect/hold to
diklasifikasikan sebagai hold to collect/ hold to collect and collect and sell and have cash flows that are solely
sell dan memiliki arus kas SPPI. Kerugian kredit payments of principal and interest. Expected credit losses
ekspektasian tidak diakui untuk instrumen ekuitas yang are not recognized for equity instruments designated at
ditetapkan sebagai FVOCI. FVOCI.
Bank menggunakan model yang kompleks yang The Bank primarily uses sophisticated models that utilize
menggunakan matriks probability of default (PD), loss the probability of default (PD), loss given default (LGD)
given default (LGD) dan exposure at default (EAD), yang and exposureat default (EAD) metrics, discounted using
didiskontokan menggunakan suku bunga efektif. the effective interest rate.
- Probability of Default (PD) - Probability of Default (PD)
Probabilitas yang timbul di suatu waktu dimana debitur The probability at a point in time that a counterparty
mengalami gagal bayar, dikalibrasikan sampai dengan will default, calibrated over up to 12 months from the
periode 12 bulan dari tanggal laporan (Stage 1) atau reporting date (Stage 1) or over the lifetime of the
sepanjang umur (Stage 2 dan 3) dan digabungkan product (Stage 2 and 3) and incorporating the impact
pada dampak asumsi ekonomi masa depan yang of forward-looking economic assumptions that have an
memiliki risiko kredit. PD diestimasikan pada point in effect on credit risk. PD is estimated at a point in time
time dimana hal ini berfluktuasi sejalan dengan siklus that means it will fluctuate in line with the economic
ekonomi. cycle.
22
Page 422
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan (lanjutan) financial assets (continued)
- Loss Given Default (LGD) - Loss Given Default (LGD)
Kerugian yang diperkirakan akan timbul dari debitur The loss that is expected to arise on default,
yang mengalami gagal bayar dengan menggabungkan incorporating the impact of relevant forward looking
dampak dari asumsi ekonomi masa depan yang economic assumptions (if any), which represents the
relevan (jika ada) dimana hal ini mewakili perbedaan difference between the contractual cash flows due and
antara arus kas kontraktual yang akan jatuh tempo those that the Bank expects to receive. The Bank
dengan arus kas yang diharapkan untuk diterima. Bank estimates LGD based on the historical recovery rates
mengestimasikan LGD berdasarkan data historis dari and considers the recovery of any collateral that is
tingkat pemulihan dan memperhitungkan pemulihan integral to the financial assets, taking into account
yang berasal dari jaminan terhadap aset keuangan forward looking economic assumptions if relevant.
dengan mempertimbangkan asumsi ekonomi di masa
depan jika relevan.
- Exposure at Default (EAD) - Exposure at Default (EAD)
Perkiraan nilai eksposur neraca pada saat gagal bayar The expected balance sheet exposure at the time of
dengan mempertimbangkan bahwa perubahan default, taking into account that expected change in
ekspektasi yang diharapkan selama masa eksposur. exposure over the lifetime of the exposure. This
Hal ini menggabungkan dampak penarikan fasilitas incorporates the impact of drawdowns of committed
yang committed pembayaran pokok dan bunga, facilities, repayments of principal and interest,
amortisasi dan pembayaran dipercepat, bersama amortization and prepayments, together with the
dengan dampak asumsi ekonomi masa depan jika impact of forward looking economic assumptions
relevan. where relevant.
Kerugian kredit ekspektasian 12 bulan (Stage 1) 12-month expected credit losses (Stage 1)
ECL diakui pada saat pengakuan awal instrumen keuangan ECL are recognised at the time of initial recognition of a
dan merepresentasikan kekurangan kas sepanjang umur financial instrument and represent the lifetime cash
aset yang timbul dari kemungkinan gagal bayar di masa shortfalls arising from possible default events up to twelve
yang akan datang dalam kurun waktu dua belas bulan sejak months into the future from the reporting date. ECL
tanggal pelaporan. ECL terus ditentukan oleh dasar ini continue to be determined on this basis until there is either
sampai timbul peningkatan risiko kredit yang signifikan a significant increase in the credit risk of an instrument or
pada instrumen tersebut atau instrumen tersebut telah the instrument becomes credit-impaired. If an instrument is
mengalami penurunan nilai kredit. Jika suatu instrumen no longer considered to exhibit a significant increase in
tidak lagi dianggap menunjukkan peningkatan risiko kredit credit risk, ECL will revert to being determined on a 12-
yang signifikan, maka ECL dihitung kembali berdasarkan month basis.
basis dua belas bulan.
Peningkatan risiko kredit yang signifikan (Stage 2) Significant increase in credit risk (Stage 2)
Jika aset keuangan mengalami peningkatan risiko kredit If a financial asset experiences a significant increase in
yang signifikan (SICR) sejak pengakuan awal, kerugian credit risk (SICR) since initial recognition, an expected
kredit ekspektasian diakui atas kejadian gagal bayar yang credit loss provision is recognised for default events that
mungkin terjadi sepanjang umur aset. Peningkatan may occur over the lifetime of the asset. Significant
signifikan dalam risiko kredit dinilai dengan increase in credit risk is assessed by comparing the risk of
membandingkan risiko gagal bayar atas eksposur pada default of an exposure at the reporting date to the risk of
tanggal pelaporan dengan risiko gagal bayar saat default at origination (after taking into account the passage
pengakuan awal (setelah memperhitungkan perjalanan of time). Significant does not mean statistically significant
waktu dari akun tersebut). Signifikan tidak berarti signifikan nor is it assessed in the context of changes in ECL.
secara statistik, juga tidak dinilai dalam konteks perubahan Whether a change in the risk of default is significant or not
dalam ECL. Perubahan atas risiko gagal bayar dinilai is assessed using quantitative factors. Financial assets
signifikan atau tidak, dinilai menggunakan faktor kuantitatif. that are 30 or more days past due and not creditimpaired
Aset keuangan dengan tunggakan 30 hari atau lebih dan will always be considered to have experienced a
tidak mengalami penurunan nilai akan selalu dianggap telah significant increase in credit risk.
mengalami peningkatan risiko kredit yang signifikan.
Khusus untuk debitur yang terkena dampak COVID-19 dan Specifically for debtors impacted by COVID-19 and under
dalam program restrukturisasi COVID-19, maka untuk COVID-19 restructuring program, in term of the ECL
perhitungan ECL tidak secara otomatis memicu calculation, it may not automatically trigger a significant
peningkatan risiko kredit yang signifikan. increase in credit risk.
23
Page 423
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan (lanjutan) financial assets (continued)
Eksposur yang mengalami penurunan nilai kredit atau Credit impaired (or defaulted) exposures (Stage 3)
gagal bayar (Stage 3)
Aset keuangan yang mengalami penurunan nilai (atau Financial assets that are credit impaired (or in default)
gagal bayar) merupakan aset yang setidaknya telah represent those that are at least 90 days past due in
memiliki tunggakan lebih dari 90 hari atas pokok dan/atau respect of principal and/or interest. Financial assets are
bunga. Aset keuangan juga dianggap mengalami also considered to be credit impaired where the debtors
penurunan nilai kredit dimana debitur kemungkinan besar are unlikely to pay on the occurrence of one or more
tidak akan membayar dengan terjadinya satu atau lebih observable events that have a detrimental impact on the
kejadian yang teramati yang memiliki dampak menurunkan estimated future cash flows of the financial asset. Loss
jumlah estimasi arus kas masa depan dari aset keuangan provisions against credit impaired financial assets are
tersebut. Cadangan kerugian penurunan nilai terhadap aset determined based on an assessment of the recoverable
keuangan yang mengalami penurunan nilai ditentukan cash flows under a range of scenarios, including the
berdasarkan penilaian terhadap arus kas yang dapat realisation of any collateral held where appropriate. The
dipulihkan berdasarkan sejumlah skenario, termasuk ECL will reflect weighted average of the scenarios based
realisasi jaminan yang dimiliki jika memungkinkan. ECL on the probability of the relevant scenario to occur. The
akan mencerminkan rata-rata tertimbang dari skenario loss provisions held represent the difference between the
berdasarkan probabilitas dari skenario yang relevan untuk present value of the cash flows expected to be recovered,
terjadi. Cadangan kerugian penurunan nilai merupakan discounted at the instrument's original effective interest
selisih antara nilai sekarang dari arus kas yang diperkirakan rate, and the gross carrying value of the instrument prior to
akan dipulihkan, didiskontokan pada suku bunga efektif any credit impairment.
awal, dan nilai tercatat bruto instrumen sebelum penurunan
nilai kredit.
Periode yang diperhitungkan ketika mengukur kerugian The period considered when measuring expected credit
kredit ekspektasian adalah periode yang lebih pendek loss is the shorter of the expected life and the contractual
antara umur ekspektasian dan periode kontrak aset term of the financial asset. The expected life may be
keuangan. Umur ekspektasian dapat dipengaruhi oleh impacted by prepayments and the maximum contractual
pembayaran dimuka dan periode kontrak maksimum term by extension options. For certain revolving portfolios,
melalui opsi perpanjangan kontrak. Untuk portofolio including credit cards, the expected life is assessed over
revolving tertentu, umur ekspektasian dinilai sepanjang the period that the Bank is exposed to credit risk (which is
periode dimana Bank terekspos dengan risiko kredit based on the length of time it takes for credit facilities to be
(berdasarkan durasi waktu yang dibutuhkan untuk fasilitas withdrawn) rather than the contractual term.
kredit ditarik), bukan sepanjang periode kontrak.
Untuk aset yang diukur pada biaya perolehan diamortisasi, For assets measured at amortised cost, the balance sheet
saldo di neraca mencerminkan aset bruto dikurangi amount reflects the gross asset less the expected credit
kerugian kredit ekspektasian. Untuk instrumen utang dalam losses. For debt instruments held at FVOCI, the balance
kategori FVOCI, saldo di neraca mencerminkan nilai wajar sheet amount reflects the instrument's fair value, with the
dari instrumen, dengan cadangan kerugian kredit expected credit loss allowance held as a separate reserve
ekspektasian dibukukan terpisah sebagai cadangan pada within other comprehensive income.
pendapatan komprehensif lain.
Untuk menentukan kerugian kredit ekspektasian komponen- To determine the expected credit loss, these components
komponen ini akan diperhitungkan secara bersama-sama are multiplied together and discounted to the balance
dan didiskontokan ke tanggal laporan keuangan sheet date using the effective interest rate as the discount
menggunakan diskonto berdasarkan suku bunga efektif. rate.
24
Page 424
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
d. Identifikasi dan pengukuran penurunan nilai aset d. Identification and measurement of impairment on
keuangan (lanjutan) financial assets (continued)
Eksposur yang mengalami penurunan nilai kredit atau Credit impaired (or defaulted) exposures (Stage 3)
gagal bayar (Stage 3) (lanjutan) (continued)
Ketika ada sejumlah kewajiban debitur yang dianggap tidak Where any amount is considered irrecoverable, a Stage 3
bisa diselesaikan, maka cadangan kerugian penurunan nilai credit impairment provision is raised. This Stage 3
kredit Stage 3 akan dibuat. Cadangan kerugian penurunan provision is the difference between the loan carrying
nilai Stage 3 ini adalah selisih antara jumlah pinjaman yang amount and the probability weighted present value of
tercatat dan probabilitas tertimbang nilai sekarang dari estimated future cash flows, reflecting minimum 3
estimasi arus kas masa depan yang telah dihitung scenarios (among others typically the best, worst or most
menggunakan tiga skenario (antara lain dari hasil likely recovery outcomes) where the Bank assigns
penyelesaian terbaik, terburuk atau yang paling mungkin) individual probability weighting for each recovery scenario
dimana Bank akan memberikan bobot probabilitas individu that has been identified based on the workout plan for
untuk setiap skenario pemulihan yang diidentifikasi each individual debtors. The cash flows projection include
berdasarkan rencana workout untuk masing-masing debitur realisable collateral, the values used will incorporate the
individu. Proyeksi arus kas juga mencakup jaminan yang impact of forward looking economic information. The
dapat direalisasi, nilai-nilai yang digunakan akan individual circumstances of each debtor are considered
memperhitungkan dampak dari informasi ekonomi di masa when estimates future cash flows and timing of future
mendatang (forward looking) . Keadaan dari masing-masing recoveries which involve significant judgment.
debitur secara individu dipertimbangkan ketika
memperkirakan arus kas masa depan dan kapan
penyelesaian kewajiban diterima dengan memasukan unsur
pertimbangan yang signifikan.
Kerugian kredit ekspektasian atas komitmen pinjaman yang Expected credit loss on loan commitments and financial
diberikan dan jaminan keuangan diakui pada liabilitas lain- guarantees is recognised as other liabilities. Where a
lain. Jika instrumen keuangan mencakup komponen aset financial instrument includes both financial asset and an
keuangan dan komitmen yang belum ditarik dan tidak dapat undrawn commitment and it is not possible to separately
dipisahkan atas kerugian kredit ekspektasian pada identify the expected credit loss on these components,
komponen ini, jumlah kerugian kredit atas komitmen expected credit loss amounts on the loan commitment are
tersebut diakui bersamaan dengan kerugian kredit atas aset recognised together with expected credit loss amounts on
keuangan. Dalam kondisi jumlah kerugian kredit the financial asset. To the extent the combined expected
ekspektasian gabungan melebihi jumlah tercatat bruto dari credit loss exceeds the gross carrying amount of the
aset keuangan, maka kerugian kredit ekspektasian diakui financial asset, the expected credit loss is recognised as
sebagai liabilitas lain-lain. other liabilities.
Penerimaan kembali atas aset keuangan yang telah Recoveries of written-off financial assets
dihapusbukukan
Ketika pinjaman yang diberikan tidak tertagih, pinjaman When a loan is uncollectible, it is written off against the
yang diberikan tersebut dihapusbuku dengan menjurnal related allowance for impairment loss. Such loans are
balik cadangan kerugian penurunan nilai. Pinjaman yang written off after all the necessary procedures have been
diberikan tersebut dapat dihapus buku setelah semua completed and the amount of the loss has been
prosedur yang diperlukan telah dilakukan dan jumlah determined.
kerugian telah ditentukan.
Penerimaan kembali atas aset keuangan yang telah The recoveries of written-off financial assets in the current
dihapusbukukan pada tahun berjalan dikreditkan dengan year are credited by adjusting the allowance for
menyesuaikan akun cadangan kerugian penurunan nilai. impairment losses accounts. Recoveries of written-off
Penerimaan kembali atas aset keuangan yang telah financial assets from previous years are recorded as
dihapusbukukan pada tahun sebelumnya dicatat sebagai operational income other than interest income.
pendapatan operasional selain pendapatan bunga.
25
Page 425
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
e. Kas dan setara kas e. Cash and cash equivalent
Komponen kas dan setara kas meliputi kas, giro pada Bank Components of cash and cash equivalents include cash,
Indonesia, giro pada bank lain, simpanan yang sewaktu- current accounts with Bank Indonesia, current accounts
waktu bisa dicairkan dan investasi jangka pendek likuid with other banks, deposits which can be withdrawn at any
lainnya dengan jangka waktu jatuh tempo tiga bulan atau time and other short term highly liquid investments with
kurang sejak tanggal perolehan. original maturities of three months or less from the date of
acquisition.
f. Giro pada Bank Indonesia dan bank lain f. Current accounts with Bank Indonesia and other banks
Giro pada Bank Indonesia dan bank lain dinyatakan Current accounts with Bank Indonesia and other banks
sebesar biaya perolehan diamortisasi menggunakan are stated at amortised cost using the effective interest
metode suku bunga efektif dikurangi penyisihan kerugian method less allowance for impairment losses.
penurunan nilai.
g. Penempatan pada Bank Indonesia dan bank lain g. Placements with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain terdiri dari Placement with Bank Indonesia and other banks consists
deposit facility, interbank call money dan deposito of deposit facility, interbank call money and time deposits.
berjangka.
Penempatan pada Bank Indonesia dinyatakan sebesar Placements with Bank Indonesia are stated at the
saldo penempatan dikurangi dengan pendapatan bunga outstanding balances net of unearned interest income.
yang ditangguhkan.
Penempatan pada bank lain dinyatakan sebesar biaya Placements with other banks are stated at amortised cost
perolehan diamortisasi menggunakan metode suku bunga using the effective interest method less allowance for
efektif dikurangi penyisihan kerugian penurunan nilai. impairment losses.
h. Efek-efek h. Marketable securities
Efek-efek yang dimiliki terdiri dari Obligasi Pemerintah dan Marketable securities consist of Government Bonds and
instrumen utang lainnya yang diperdagangkan di pasar other debt instruments traded in the money market and
uang dan pasar modal. stock exchanges.
Obligasi Pemerintah terdiri dari Obligasi Rekapitalisasi Government Bonds consist of Government
Pemerintah yang diterbitkan kepada Bank dan bank lainnya Recapitalization Bonds issued to Bank and other banks
berkaitan dengan program rekapitalisasi Pemerintah dan with respect to the recapitalization program of the
obligasi lainnya yang diterbitkan oleh Pemerintah Indonesia Government and other bonds issued by the Government
dan negara lainnya yang tidak berkaitan dengan program of Indonesia and other countries, that are not related to the
rekapitalisasi yang diperoleh melalui pasar perdana dan recapitalization program, acquired through the primary and
sekunder. secondary markets.
Setelah pengakuan awal, efek-efek untuk tujuan investasi Subsequently accounted for, depending on their
diukur sesuai dengan klasifikasinya masing-masing, respective classifications, as either measured at amortised
sebagai diukur pada biaya perolehan diamortisasi. Setelah cost. Subsequently, investment measured at amortised
pengakuan awal, investasi diukur pada biasa perolehan cost using effective interest rate method.
diamortisasi dengan menggunakan metode suku bunga
efektif.
i. Pinjaman yang diberikan i. Loans
Setelah pengakuan awal, pinjaman yang diberikan diukur Subsequent to initial recognition, loans are measured at
pada biaya perolehan diamortisasi atau nilai wajar sesuai amortised cost or fair value depending on the respective
dengan klasifikasinya masing-masing. Untuk pinjaman yang classification. For loan which classified as amortised cost
diberikan yang diklasifikasikan sebagai biaya perolehan is subsequently measured using the effective interest
diamortisasi, setelah pengakuan awal diukur menggunakan method. While for loans which classified as fair value
suku bunga efektif. Sedangkan untuk pinjaman yang through profit or loss are subsequently carried at fair
diberikan yang diklasifikasikan sebagai FVTPL, setelah value, with gains or losses arising from changes in fair
pengakuan awal diukur pada nilai wajar dimana keuntungan value are recorded in net trading income.
atau kerugian atas perubahan nilai wajar dicatat pada
pendapatan transaksi perdagangan-bersih.
26
Page 426
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
i. Pinjaman yang diberikan (lanjutan) i. Loans (continued)
Bank mencatat restrukturisasi kredit bermasalah The Bank accounts for troubled debtrestructuring in
berdasarkan jenis restrukturisasi. accordance with the type of restructuring.
Dalam restrukturisasi kredit bermasalah yang dilakukan In troubled debt restructuring which involves a
dengan penerimaan aset (termasuk kepentingan ekuitas repossesion of assets (including an equity interest of the
debitur), Bank mencatat aset tersebut (termasuk debtor), the Bank records those assets (including an
kepentingan ekuitas) sebesar nilai wajarnya pada saat equity interest) at their fair values at the time of
restrukturisasi. Kelebihan nilai tercatat pinjaman yang restructuring. The excess of the carrying amount of the
diberikan di atas nilai wajar aset yang diterima setelah loans over the fair value of assets received less estimated
dikurangi estimasi biaya untuk menjual aset tersebut, diakui costs to sell, is recognised as a loss in the current year
sebagai kerugian dalam laba rugi tahun berjalan. profit or loss.
Saat arus kas kontraktual atas aset keuangan direnegosiasi When the contractual cash flows of a financial asset are
atau dimodifikasi dan renegosiasi atau modifikasi tersebut renegotiated or otherwise modified and the renegotiation
tidak menghasilkan penghentian pengakuan aset or modification does not result in the derecognition of that
keuangan, Bank menghitung ulang jumlah tercatat bruto financial asset, the Bank shall recalculate the gross
aset keuangan dan mengakui keuntungan atau kerugian carrying amount of the financial asset and shall recognise
yang timbul dari modifikasi dalam laporan laba rugi. Jumlah a modification gain or loss in profit or loss. The gross
tercatat bruto aset keuangan dihitung ulang sebagai nilai carrying amount of the financial asset shall be recalculated
kini dari arus kas kontraktual yang telah direnegosiasi atau as the present value of the renegotiated or modified
dimodifikasi yang didiskontokan dengan suku bunga efektif contractual cash flows that are discounted at the financial
awal aset keuangan. Biaya atau pendapatan jasa yang asset's original effective interest rate. Any costs or fees
terjadi mengubah jumlah tercatat aset keuangan yang telah incurred adjust the carrying amount of the modified
dimodifikasi dan diamortisasi selama sisa jangka waktu financial asset and are amortised over the remaining term
aset keuangan modifikasian tersebut. of the modified financial asset.
Pinjaman yang diberikan dihapusbukukan ketika tidak Loans are written-off when there is no realistic prospect of
terdapat prospek yang realistis mengenai pengembalian collection or when the Bank’s normal relationship with the
kredit atau hubungan normal antara Bank dan debitur telah borrowers has ceased to exist. When loans are deemed
berakhir. Kredit yang tidak dapat dilunasi dihapusbukukan uncollectible, they are written-off against the related
dengan mendebet penyisihan kerugian penurunan nilai. allowance for impairment losses. The recoveries of written-
Penerimaan kembali atas kredit yang telah off loans, in current period is credited by adjusting the
dihapusbukukan, pada periode berjalan dikreditkan dengan allowance for impairment losses accounts. Recoveries of
menyesuaikan akun penyisihan kerugian penurunan nilai. written-off loans from previous period are recorded as
Penerimaan kembali atas pinjaman yang diberikan yang operational incomes other than interest income.
telah dihapusbukukan pada periode sebelumnya dicatat
sebagai pendapatan operasional selain bunga.
j. Aset tetap j. Fixed assets
Bank menerapkan kebijakan akuntansi model revaluasi The Bank applies revaluation model as accounting policy
untuk aset tetap. Aset tetap disajikan sebesar nilai wajar, for fixed assets. Fixed assets are shown at fair value, less
dikurangi akumulasi penyusutan, kecuali untuk tanah tidak subsequent depreciation except for land which is non-
ada penyusutan. Penilaian terhadap aset tetap dilakukan depreciable. Valuation of fixed assets are performed by
oleh penilai independen eksternal yang telah memiliki external independent valuers with certain qualification.
sertifikasi. Penilaian atas aset tersebut dilakukan secara Valuations are performed with sufficient regularity to
berkala untuk memastikan bahwa nilai wajar aset yang ensure that the fair value of a revalued asset does not
direvaluasi tidak berbeda secara material dengan nilai differ materially from its carrying amount. Any accumulated
tercatatnya. Akumulasi penyusutan pada tanggal revaluasi depreciation at the date of revaluation is eliminated against
dieliminasi terhadap nilai tercatat bruto aset, dan nilai the gross carrying amount of the asset, and the net
netonya disajikan kembali sebesar nilai revaluasian aset amount is restated to the revalued amount of fixed assets.
tetap.
27
Page 427
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
j. Aset tetap (lanjutan) j. Fixed assets (continued)
Jika nilai wajar dari aset yang direvaluasi mengalami If the fair value of the revalued asset change significantly,
perubahan yang signifikan dan fluktuatif, maka perlu it is necessary to revaluate on an annual basis, where as if
direvaluasi secara tahunan, sedangkan jika nilai wajar dari the fair value of the revaluated asset does not change
aset yang direvaluasi tidak mengalami perubahan yang significantly, it is necessary to revalue at a minimum every
signifikan dan fluktuatif, maka perlu dilakukan revaluasi three years.
paling kurang tiga tahun sekali.
Kenaikan nilai tercatat yang timbul dari revaluasi tanah dan Increases in the carrying amount arising on revaluation of
bangunan dicatat sebagai “Surplus Revaluasi” dan disajikan land and bulidings are recorded in “Revaluation Surplus”
sebagai “Pendapatan Komprehensif Lain”. Penurunan nilai and presented as “Other Comprehensive Income”.
tercatat yang timbul dari revaluasi dicatat sebagai beban Decreasing in carrying amount as the result of revaluation
pada tahun berjalan. Apabila aset tersebut memilki saldo is recorded as expense in the current year. If the asset
“Surplus Revaluasi” yang disajikan sebagai “Pendapatan has a balance on its “Revaluation Surplus”, loss from
Komprehensif Lain”, maka selisih penurunan nilai tercatat revaluation of fixed asset is charged to “Revaluation
tersebut dibebankan terhadap “Surplus Revaluasi” dan Surplus” which is presented as “Other Comprehensive
sisanya diakui sebagai beban tahun berjalan. Income” and the rest of the amount is charged to current
year’s expenses.
Surplus revaluasi aset tetap yang telah disajikan dalam Revaluation surplus of fixed assets that has been
ekuitas dipindahkan langsung ke saldo laba pada saat presented in equity was transferred directly to retained
aset tersebut dihentikan pengakuannya. Hal ini meliputi earnings when the asset is derecognized. This
pemindahan sekaligus surplus revaluasi pada saat includes the transfer of revaluation surplus at a time when
penghentian atau pelepasan aset tersebut. Namun, the retirement or disposal of the asset. However, most
sebagian surplus revaluasi tersebut dapat dipindahkan of the revaluation surplus may be transferred in
sejalan dengan penggunaan aset oleh Bank. Dalam hal accordance with the use of the asset by the Bank. In
ini surplus revaluasi yang dipindahkan ke saldo laba this case the revaluation surplus is transferred to
adalah sebesar perbedaan antara jumlah penyusutan retained earnings is equal to the difference between
berdasarkan nilai revaluasian aset dengan jumlah the amount of depreciation based on the asset value
penyusutan berdasarkan biaya perolehan aset tersebut. revaluation depreciation amount based on the cost of
Pemindahan surplus revaluasi ke saldo laba tidak that asset. The transfer of revaluation surplus to retained
dilakukan melalui laporan laba rugi. earnings is not made through the income statement.
Biaya perolehan termasuk biaya penggantian bagian aset Cost includes the replacement cost of a part of the fixed
tetap saat biaya tersebut terjadi, jika memenuhi kriteria assets when the expenditure meets the criteria for
pengakuan. recognition.
Semua biaya pemeliharaan dan perbaikan yang tidak All maintenance and repair costs which do not fulfill the
memenuhi kriteria untuk dikapitalisasi diakui dalam laporan capitalization criteria, are recognized in profit or loss upon
laba rugi pada saat terjadinya. Pada setiap akhir tahun occurrence. At each financial year end, the assets residual
buku, nilai residu, umur manfaat, dan metode penyusutan values, useful lives and methods of depreciation are
ditelaah kembali dan jika sesuai dengan keadaan, reviewed, and adjusted prospectively as appropriate.
disesuaikan secara prospektif.
PSAK 48 (revisi 2014), "Penurunan Nilai Aset" PSAK 48 (revised 2014), "Impairment of Assets" requires
mensyaratkan bahwa nilai tercatat aset tetap dikaji ulang that the carrying value of fixed assets is reviewed every
setiap tanggal pelaporan, untuk menilai apakah aset tetap reporting date to assess whether the carrying value of
tersebut nilai tercatatnya lebih tinggi dari jumlah yang dapat fixed assets is higher than the recoverable amount of the
diperoleh kembali (recoverable amount) dari aset tetap items.
tersebut.
Jika nilai tercatat dari aset tetap melebihi taksiran jumlah If the carrying vaue of fixed assets exceeds the estimated
yang dapat diperoleh kembali dari aset tetap tersebut, nilai recoverable amount of the fixed assets, the carrying value
tercatat aset tetap harus diturunkan menjadi nilai yang of fixed assets should be lowered to the recoverable
dapat diperoleh kembali dari aset tetap tersebut. amount of fixed assets.
Seluruh aset tetap kecuali tanah, disusutkan dengan Fixed assets are depreciated using the straight-line
menggunakan metode garis lurus (straight-line method). method, except land.
28
Page 428
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
j. Aset tetap (lanjutan) j. Fixed assets (continued)
Hak atas tanah, termasuk biaya pengurusan legal hak yang Land rights, including the legal costs incurred at initial
timbul pada awal perolehan hak atas tanah, dinyatakan acquisition of land rights, are stated at cost and not
sebesar biaya perolehan dan tidak diamortisasi. Biaya- amortised. Specific costs associated with the renewal or
biaya yang terjadi sehubungan dengan pembaharuan atau extension of land titles are deferred and amortised over
perpanjangan hak atas tanah ditangguhkan dan the legal term of the land rights or the estimated economic
diamortisasi selama periode hak atas tanah atau taksiran life of the land, whichever is shorter. The deferred cost are
masa manfaat ekonomis tanah, mana yang lebih pendek. presented as "Intangible Assets".
Biaya yang ditangguhkan tersebut disajikan sebagai "Aset
Takberwujud".
Aset dalam penyelesaian dinyatakan sebesar biaya Assets under construction are stated at cost and are
perolehan dan disajikan sebagai bagian dari “Aset Tetap”. presented as part of “Fixed Assets”. The accumulated
Akumulasi biaya perolehan meliputi biaya konstruksi dan costs include cost of construction and other direct costs.
biaya langsung lainnya. Aset dalam penyelesaian tidak Assets under construction are not depreciated and they
disusutkan dan hanya akan direklasifikasi ke masing- will only be reclassified to the appropriate fixed assets
masing aset tetap yang bersangkutan pada saat aset account when the construction is completed and the
tersebut selesai dikerjakan dan siap digunakan sesuai constructed asset is ready for its intended use.
dengan tujuannya.
Pengakuan penyusutan dimulai ketika aset tersebut ada di Recognition of depreciation commences when an asset is
lokasi dan kondisinya dan dapat dioperasikan sebagaimana in its location and condition and capable of being operated
yang dimaksud oleh manajemen. Penyusutan aset tetap in the manner intended by management. Depreciation of
selain tanah dihitung dengan menggunakan metode saldo fixed assets, other than land, is calculated using the
menurun kecuali bangunan menggunakan garis lurus untuk double declining balance method except for buildings
mengalokasikan harga perolehan hingga mencapai nilai using the straight line to allocate the purchase price up to
sisa sepanjang estimasi masa manfaatnya sebagai berikut: the residual value over the expected useful lives as
follows:
Tarif penyusutan/ Masa manfaat/
Depreciaton rates Useful life
Bangunan 5% 20 tahun/years Buildings
Peralatan kantor 25% atau/or 12,5% 4 atau/or 8 tahun/years Office equipment
Inventaris kantor 25% 4 tahun/years Office inventory
Kendaraan 25% 4 tahun/years Vehicles
Peralatan kantor dan inventaris kantor terdiri dari perabotan Office equipment and office inventory consists of furniture
dan perlengkapan, instalasi, perangkat keras komputer, and fixtures, installation, computer hardware,
peralatan komunikasi dan peralatan kantor lainnya. communication and other office equipment.
Semua biaya yang terjadi sehubungan dengan perolehan All costs incurred in connection with the acquisition of land
hak atas tanah, diakui sebagai biaya perolehan hak atas right are recognized as the acquisition cost of land right.
tanah. Biaya pengurusan legal hak atas tanah ketika tanah The legal cost incurred when the land was first acquired is
diperoleh pertama kali diakui sebagai bagian dari biaya recognized as part of the acquisition cost of land right.
perolehan aset tanah. Biaya pengurusan perpanjangan atau Extension or renewal of the maintenance cost of legal
pembaruan legal hak atas tanah diakui sebagai aset tak rights over land is recognized as an intangible asset and
berwujud dan diamortisasi sepanjang umur hukum hak atau amortized over the life of legal rights or economic life of
umur ekonomis tanah, mana yang lebih pendek. the land, whichever is shorter.
Hak atas tanah tidak disusutkan kecuali terdapat bukti Land right is not depreciated unless there is contrary
sebaliknya yang mengindikasikan bahwa perpanjangan evidence indicating that the extension or renewal of land
atau pembaruan hak atas tanah kemungkinan besar atau right is likely or definitely not obtainable.
pasti tidak diperoleh.
29
Page 429
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
j. Aset tetap (lanjutan) j. Fixed assets (continued)
Apabila nilai tercatat aset lebih besar dari nilai yang dapat When the carrying amount of an asset is greater than its
diperoleh kembali, nilai tercatat aset diturunkan menjadi estimated recoverable amount, it is written down to its
sebesar nilai yang dapat diperoleh kembali, yang ditentukan recoverable amount, which is determined as the higher of
sebagai nilai tertinggi antara harga jual neto dan nilai yang the net selling price or value in use.
dipakai.
Apabila aset tetap tidak digunakan lagi atau dijual, maka When fixed assets are retired or disposed of, their costs
nilai perolehan dan akumulasi penyusutannya dihapuskan and the related accumulated depreciation are
dari akun tersebut. Keuntungan atau kerugian yang terjadi derecognized from the accounts. Any resulting gain or loss
diakui dalam laporan laba rugi. is recognized in profit or loss.
Akumulasi biaya konstruksi aset tetap dikapitalisasi dan The accumulated costs of construction of fixed assets are
dicatat sebagai “Aset dalam Penyelesaian”. Biaya tersebut capitalized and recognized as “Assets under construction”.
direklasifikasi ke akun aset tetap yang terkait pada saat These costs are reclassified to the related fixed asset
proses konstruksi atau pemasangan telah selesai. account when the construction or installation is completed.
Pada saat inspeksi yang signifikan dilakukan, biaya When a significant inspection of the asset is performed,
inspeksi itu diakui ke dalam jumlah tercatat (carrying the cost of inspection is capitalised as part of the
amount) aset tetap sebagai suatu penggantian jika replacement cost of the asset’s carrying amount, if the
memenuhi kriteria pengakuan. Semua biaya pemeliharaan criteria for recognition are met. All maintenance and repair
dan perbaikan yang tidak memenuhi kriteria pengakuan costs which do not fulfil the capitalisation criteria, are
diakui dalam laporan laba rugi pada saat terjadinya. Pada recognised in profit or loss upon occurrence. At each
setiap akhir tahun buku, nilai residu, umur manfaat, dan financial year end, the assets’ residual values, useful lives
metode penyusutan ditelaah kembali dan jika sesuai and methods of depreciation are reviewed, and adjusted
dengan keadaan, disesuaikan secara prospektif. prospectively as appropriate.
Jumlah tercatat aset tetap dihentikan pengakuannya pada An item of fixed assets is derecognised upon disposal or
saat dilepaskan atau saat tidak ada manfaat ekonomis when no future economic benefits are expected from its
masa depan yang diharapkan dari penggunaan atau use or disposal. Any gain or loss arising from the
pelepasannya. Laba atau rugi yang timbul dari penghentian derecognition of the asset (calculated as the difference
pengakuan aset (dihitung dari selisih antara jumlah neto between the net disposal proceeds and the carrying
hasil pelepasan dan jumlah tercatat dari aset) diakui dalam amount of the asset) is recognised in profit or loss in the
laporan laba rugi pada tahun yang sama ketika aset year the asset is derecognised.
tersebut dihentikan pengakuannya.
k. Aset takberwujud k. Intangible assets
Aset takberwujud terdiri dari perangkat lunak. Aset Intangible assets consist of software. Intangible assets
takberwujud diakui jika, dan hanya jika, biaya perolehan is recognised only when its cost can be measured reliably
aset tersebut dapat diukur secara andal dan and it is probable that expected future benefits that are
kemungkinan besar Bank akan memperoleh manfaat attributable to it will flow to the Bank.
ekonomis masa depan dari aset tersebut.
Perangkat lunak yang bukan merupakan bagian integral Software which is not an integral part of a related
dari perangkat keras yang terkait dicatat sebagai aset hardware is recorded as intangible asset and stated at
takberwujud dan dinyatakan sebesar nilai tercatat, yaitu carrying amount, which is cost less accumulated
sebesar harga perolehan dikurangi dengan akumulasi amortization.
amortisasi.
Biaya perolehan perangkat lunak terdiri dari seluruh Cost of software consists of all expenses directly
pengeluaran yang dapat dikaitkan langsung dalam attributable to the preparation of such software cost, into
persiapan perangkat lunak tersebut sehingga siap ready to be used for their intended purpose.
digunakan sesuai dengan tujuannya.
30
Page 430
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
k. Aset takberwujud (lanjutan) k. Intangible assets (continued)
Pengeluaran setelah perolehan perangkat lunak dapat Subsequent expenditure on software is capitalized only
ditambahkan pada biaya perolehan perangkat lunak when it increases the future economic benefits of the
atau dikapitalisasi sebagai perangkat lunak hanya jika software, so that it becomes larger than originally
pengeluaran tersebut menambah manfaat ekonomis expected performance standards. Expenditure with no
masa depan dari perangkat lunak yang bersangkutan addition of future economic benefits from the software is
sehingga menjadi lebih besar dari standar kinerja yang directly recognised as expenses when incurred.
diperkirakan semula. Pengeluaran yang tidak menambah
manfaat ekonomis masa depan dari perangkat lunak
diakui sebagai beban pada saat terjadinya.
Perangkat lunak diamortisasi dengan menggunakan Software is amortized by using straight-line method over
metode garis lurus selama estimasi umur manfaatnya, the estimated useful life of software, which is 4-8 years.
yaitu 4-8 tahun.
Amortisasi perangkat lunak diakui dalam laporan laba rugi Amortization is recognised in the statements of profit or
dan penghasilan komprehensif lain, sejak tanggal loss and other comprehensive income from the date
perangkat lunak tersebut tersedia untuk dipakai sampai that is available for use until the economic benefits of
berakhirnya masa manfaat dari perangkat lunak tersebut. software is ended.
Aset takberwujud dihentikan pengakuannya jika dilepas An intangible asset is derecognised on disposal or when
atau ketika tidak terdapat lagi manfaat ekonomi masa no future economic benefits are expected from its use or
depan yang diperkirakan dari penggunaan atau disposal.
pelepasannya.
l. Aset hak guna dan liabilitas sewa l. Right of use assets and lease liabilities
Pada tanggal permulaan kontrak, Bank menilai apakah At the inception of a contract, the Bank assesses whether
kontrak merupakan atau mengandung sewa. Suatu kontrak the contract is or contains a leases. A contract is or
merupakan atau mengandung sewa jika kontrak tersebut contains a leases if the contract conveys the right to
memberikan hak untuk mengendalikan penggunaan aset control the use of an identified assets for a period of time
identifikasian selama suatu jangka waktu untuk in exchange for consideration. The Bank can choose not
dipertukarkan dengan imbalan. Bank dapat memilih untuk to recognise the right-of-use asset and lease liabilities for:
tidak mengakui aset hak-guna dan liabilitas sewa untuk:
- Sewa jangka-pendek; dan - Short term lease; and
- Sewa yang aset pendasarnya bernilai rendah. - Low value asset.
Untuk menilai apakah kontrak memberikan hak untuk To assess whether a contract conveys the right to control
mengendalikan penggunaan aset identifikasian, Bank harus the use of an identified asset, the Bank shall assess
menilai apakah: whether:
- Bank memiliki hak untuk mendapatkan secara - The Bank has the right to obtain substantially all the
substansial seluruh manfaat ekonomi dari penggunaan economic benefit from use of the asset throughout the
aset identifikasian; dan period of use; and
- Bank memiliki hak untuk mengarahkan penggunaan - The Bank has the right to direct the use of the asset.
aset identifikasian. Bank memiliki hak ini ketika Bank The Bank has described when it has a decision-
memiliki hak untuk pengambilan keputusan yang making rights that are the most relevant to changing
relevan tentang bagaimana dan untuk tujuan apa aset how and for what purpose the asset is used are
digunakan telah ditentukan sebelumnya: predetermined:
1. Bank memiliki hak untuk mengoperasikan aset; 1. The Bank has the right to operate the asset;
2. Bank telah mendesain aset dengan cara 2. The Bank has designed the asset in a way that
menetapkan sebelumnya bagaimana dan untuk predetermine how and for what purpose it will be
tujuan apa aset akan digunakan selama periode used.
penggunaan.
31
Page 431
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
l. Aset hak guna dan liabilitas sewa (lanjutan) l. Right of use assets and lease liabilities (continued)
Pada tanggal permulaan sewa, Bank mengakui aset hak- The Bank recognises a right-of-use asset and a leases
guna dan liabilitas sewa. Aset hak-guna diukur pada biaya liability at the leases commencement date. The right-of-
perolehan, dimana meliputi jumlah pengukuran awal use asset is initially measured at cost, which comprises
liabilitas sewa yang disesuaikan dengan pembayaran sewa the initial amount of the leases liability adjusted for any
yang dilakukan pada atau sebelum tanggal permulaan, leases payment made at or before the commencement
ditambah dengan biaya langsung awal yang dikeluarkan. date, plus any initial direct cost incurred. For the
Untuk pengukuran selanjutnya, aset hak guna dikurangi subsequent measurements, the right of use assets less
dengan akumulasi penyusutan dan kerugian penurunan the accumulated depreciation, any accumulated
nilai, serta disesuaikan untuk setiap pengukuran kembali impairment losses, and adjusted for any remeasurement
liabilitas sewa. Aset hak-guna diamortisasi dengan of lease liabilities. The right-of-use asset is amortised over
menggunakan metode garis lurus sepanjang jangka waktu the straight-line method throughout the lease term.
sewa.
Liabilitas sewa diukur pada nilai kini pembayaran sewa The lease liability is initially measured at the present value
yang belum dibayar pada tanggal permulaan, didiskontokan of the lease payments that are not paid at the
dengan menggunakan suku bunga implisit dalam sewa atau commencement date, discounted using the interest rate
jika suku bunga tersebut tidak dapat ditentukan, maka implicit in the lease or, if that right cannot be readily
menggunakan suku bunga pinjaman inkremental. Pada determined, using incremental borrowing rate. Generally,
umumnya, Bank menggunakan suku bunga pinjaman the Bank uses its incremental borrowing rate as a discount
inkremental sebagai tingkat bunga diskonto. Untuk rate. For the subsequent measurement, amount of lease
pengukuran selanjutnya, jumlah liabilitas sewa ditingkatkan liabilities increased to reflect the increasing of interest and
untuk mencerminkan pertambahan bunga dan dikurangi reduced by the lease payments. In addition, the carrying
pembayaran sewa yang dilakukan. Selain itu, jumlah amount of lease liabilities remeasured if there is a
tercatat liabilitas sewa diukur kembali jika terdapat modification, change in lease term, change of lease
modifikasi, perubahan jangka waktu sewa, perubahan payment, or changes in assessment of purchase option of
pembayaran sewa, atau perubahan dalam penilaian opsi the underlying asset.
untuk membeli aset pendasar.
Pembayaran sewa dialokasikan menjadi bagian pokok dan Each leases payment is allocated between the liability and
biaya keuangan. Biaya keuangan dibebankan pada laba finance cost. The finance cost is charged to profit or loss
rugi selama periode sewa sehingga menghasilkan tingkat over the leases period so as to produce a constant
suku bunga periodik yang konstan atas saldo liabilitas untuk periodic rate of interest on the remaining balance of the
setiap periode. liability for each period.
Jika sewa mengalihkan kepemilikan aset pendasar kepada If the leases transfers ownership of the underlying asset to
Bank pada akhir masa sewa atau jika biaya perolehan aset the Bank by the end of the leases term or if the cost of the
hak-guna merefleksikan Bank akan mengeksekusi opsi beli, right-of-use asset reflects that the Bank will exercise a
maka Bank menyusutkan aset hak-guna dari tanggal purchase option, the Bank depreciates the right-of-use
permulaan hingga akhir umur manfaat aset pendasar. Jika asset from the commencement date to the end of the
tidak, maka Bank menyusutkan aset hak-guna dari tanggal useful life of the underlying asset. Otherwise, the Bank
permulaan hingga tanggal yang lebih awal antara akhir depreciates the right-of-use asset from the
umur manfaat aset hak-guna atau akhir masa sewa. commencement date to the earlier of the end of the useful
life of the right-of-use asset or the end of the leases term.
Modifikasi sewa Leases modification
Bank mencatat modifikasi sewa sebagai sewa terpisah jika: The Bank account for a leases modification as a separate
leases if both:
- modifikasi meningkatkan ruang lingkup sewa dengan - the modification increases the scope of the leases by
menambahkan hak untuk menggunakan satu aset adding the right to use one or more underlying assets;
pendasar atau lebih;
- imbalan sewa meningkat sebesar jumlah yang setara - the consideration for the leases increases by an
dengan harga tersendiri untuk peningkatan dalam amount commensurate with the standalone price for
ruang lingkup dan penyesuaian yang tepat pada harga the increase in scope and any appropriate
tersendiri tersebut untuk merefleksikan kondisi kontrak adjustments to that standalone price to reflect the
tertentu. circumstances of the particular contract.
32
Page 432
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
m. Penurunan nilai aset non-keuangan m. Impairment of non-financial assets
Bank menerapkan PSAK 48 (revisi 2014), "Penurunan Nilai Bank implemented PSAK 48 (revised 2014), "Impairment
Aset". Penerapan PSAK ini tidak menimbulkan perubahan of Assets". The adoption of the PSAK has no significant
yang besar terhadap laporan keuangan. impact on the financial reporting and disclosures in the
financial statements.
Pada setiap akhir periode pelaporan, Bank menilai apakah The Bank assesses at each annual reporting period
terdapat indikasi suatu aset mengalami penurunan nilai. whether there is an indication that an asset may impaired.
Jika terdapat indikasi tersebut, maka Bank akan membuat If any such indication exists, Bank makes an estimate of
estimasi atas jumlah terpulihkan aset tersebut. the asset's recoverable amount.
Nilai tercatat aset non-keuangan ditelaah untuk penurunan The carrying values of non-financial assets are reviewed
nilai apabila terdapat kejadian atau perubahan keadaan for impairment whenever events or changes in
yang mengindikasikan bahwa nilai tercatat suatu aset tidak circumstances indicate that the carrying amount of an
dapat dipulihkan. Jika ada indikasi seperti itu dan nilai asset may not be recoverable. If such indication exists and
tercatat suatu aset melebihi taksiran jumlah terpulihkan, where the carrying amount of an asset exceeds the
aset atau unit penghasil kas diturunkan nilainya ke jumlah estimated recoverable amount, the assets or cash-
terpulihkan. Taksiran jumlah terpulihkan aset adalah yang generating units are written down to their recoverable
lebih tinggi dari nilai wajar aset dan nilai pakai. amount. The estimated recoverable amount of an asset is
the higher of an asset's fair value and value-in-use.
Nilai wajar adalah nilai yang diperoleh dari penjualan aset The fair value is the amount obtainable from the sale of an
dalam transaksi yang wajar dikurangi biaya penjualan asset in an arm's length transaction less costs of disposal
sedangkan nilai pakai adalah nilai kini dari estimasi arus while value-in-use is the present value of estimated future
kas masa mendatang yang diharapkan muncul dari cash flows expected to arise from the continuing use of an
penggunaan aset secara terus menerus dan dari asset and from its disposal at the end of its useful life. For
penjualannya pada akhir masa pakainya. Untuk aset yang an asset that does not generate largely independent cash
tidak menghasilkan arus kas masuk independen yang inflows, the recoverable amount is determined for the cash-
besar, jumlah terpulihkan ditentukan untuk unit penghasil generating unit to which the asset belongs. Impairment
kas terkait aset tersebut. Rugi penurunan nilai diakui dalam losses are recognised in profit or loss.
laporan laba rugi.
Dalam membuat taksiran nilai pakai, estimasi arus kas In assessing value-in-use, the estimated future cash flows
masa mendatang didiskontokan ke nilai sekarang dengan are discounted to their present value using a pre-tax
menggunakan tingkat diskonto sebelum pajak yang discount rate that reflects current market assessments of
mencerminkan penilaian pasar saat ini dari nilai waktu dari the time value of money and the risks specific to the asset.
uang dan risiko spesifik untuk aset.
Untuk aset non-keuangan tidak termasuk aset takberwujud For non-financial assets excluding intangible assets with
dengan masa manfaat tidak terbatas, penilaian dilakukan indefinite useful life, an assessment is made at each
pada setiap tanggal pelaporan, apakah ada indikasi bahwa reporting date as to whether there is any indication that
kerugian penurunan nilai yang sebelumnya diakui mungkin previously recognised impairment losses may no longer
tidak lagi ada atau mungkin telah menurun. Jika indikasi exist or may have decreased. If such indication exists, the
tersebut terjadi, jumlah terpulihkan diperkirakan. Rugi recoverable amount is estimated. A previously recognised
penurunan nilai yang diakui sebelumnya dibalik hanya jika impairment loss is reversed only if there has been a
telah terjadi perubahan dalam estimasi yang digunakan change in the estimates used to determine the asset's
untuk menentukan jumlah terpulihkan aset sejak rugi recoverable amount since the last impairment loss was
penurunan nilai terakhir diakui. Jika ini kasusnya, jumlah recognised. If that is the case, the carrying amount of the
tercatat aset meningkat menjadi jumlah terpulihkan asset is increased to its recoverable amount. That
tersebut. Jumlah peningkatan tersebut tidak dapat melebihi increased amount cannot exceed the carrying amount that
nilai tercatat yang telah ditentukan, setelah dikurangi would have been determined, net of depreciation or
penyusutan atau amortisasi, sehingga seolah-olah kerugian amortisation, had no impairment loss been recognised for
penurunan nilai yang diakui untuk aset tahun-tahun the asset in prior years.
sebelumnya tidak pernah terjadi.
Pembalikan tersebut diakui dalam laporan laba rugi kecuali Such reversal is recognised in profit or loss unless the
aset dicatat pada nilai revaluasi, yang mana pembalikan asset is carried at revalued amount, in which case the
diperlakukan sebagai peningkatan revaluasi. Setelah reversal is treated as a revaluation increase. After such a
pembalikan itu, beban penyusutan atau amortisasi reversal, the depreciation or amortisation expense is
disesuaikan dalam tahun-tahun mendatang untuk adjusted in future years to allocate the asset's revised
mengalokasikan jumlah revisi nilai tercatat aset, dikurangi carrying amount, less any residual value, on a systematic
nilai sisa, secara sistematis atas sisa manfaatnya. basis over its remaining useful life.
33
Page 433
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
m. Penurunan nilai aset non-keuangan (lanjutan) m. Impairment of non-financial assets (continued)
Aset takberwujud dengan masa manfaat tidak terbatas diuji Intangible assets with indefinite useful lives are tested for
untuk penurunan nilai setiap tahun baik secara individu impairment annually either individually or at the cash
maupun di tingkat unit penghasil kas mana yang sesuai dan generating unit level as appropriate and when
ketika keadaan mengindikasikan bahwa nilai tercatat circumstances indicate that the carrying value may be
mungkin mengalami penurunan nilai. impaired.
n. Aset lain-lain n. Other assets
Aset lain-lain terdiri dari piutang bunga, biaya dibayar di Other assets consist of interest receivables, prepaid
muka, tagihan lainya, agunan yang diambil alih (AYDA), expenses, other receivables, foreclosed assets, security
setoran jaminan, persediaan barang cetakan dan lain-lain. deposits, inventories, stationery and printed form and
others.
Beban dibayar di muka diamortisasi selama masa manfaat Prepaid expenses are amortised over their beneficial
masing-masing biaya dengan menggunakan metode garis periods using the straight-line method.
lurus (straight-line method).
Agunan yang diambil alih (AYDA) adalah aset yang Foreclosed assets is the Bank's assets acquired, either
diperoleh Bank, baik melalui pelelangan maupun diluar through auction or outside the auction based on voluntary
pelelangan berdasarkan penyerahan secara sukarela oleh submission by the owner or on the power scheme to sell
pemilik agunan atau berdasarkan kuasa untuk menjual outside the auction of the scheme owner in the event the
diluar lelang dari pemilik agunan dalam hal debitur tidak debtor does not fulfil its obligations to the Bank.
memenuhi kewajibannya kepada Bank. AYDA merupakan Foreclosed assets is given credit guarantees have been
jaminan pinjaman yang diberikan yang telah diambil alih taken over as part of the solution given and presented in
sebagai bagian dari penyelesaian pinjaman yang diberikan "Other assets".
dan disajikan pada “Aset lain-lain“.
AYDA diakui sebesar nilai neto yang dapat direalisasi atau Foreclosed collaterals are stated at net realizable value or
sebesar nilai outstanding pinjaman yang diberikan, mana stated at loan outstanding amount, whichever is lower. Net
yang lebih rendah. Nilai neto yang dapat direalisasi adalah realizable value is the fair value of the foreclosed
nilai wajar agunan yang diambil alih dikurangi dengan collaterals less the estimated costs to sell the assets. The
estimasi biaya untuk menjual agunan tersebut. Selisih lebih excess of loan receivable over the net realizable value of
saldo kredit diatas nilai neto yang dapat direalisasi dari the foreclosed collateral is charged to allowance for
agunan yang diambil alih dibebankan ke dalam akun impairment losses. The difference between the recorded
cadangan kerugian penurunan nilai aset. Selisih antara nilai amount of the foreclosed collateral and the proceeds from
agunan yang diambil alih dengan hasil penjualan diakui the sale of such collateral is recorded as a gain or loss at
sebagai keuntungan atau kerugian pada saat penjualan. the time of sale.
Beban-beban yang berkaitan dengan pemeliharaan AYDA Maintenance and repair costs are charged as an expense
dibebankan ke laporan laba rugi tahun berjalan pada saat in the profit or loss when incurred.
terjadinya.
Bila terjadi penurunan nilai yang bersifat permanen, maka If there is permanent decline in value, the carrying amount
nilai tercatatnya dikurangi untuk mengakui penurunan of foreclosed collaterals is written down to recognise such
tersebut dan kerugiannya dibebankan dalam laporan laba permanent decline in value. Any such write-down is
rugi. recognised in the profit or loss.
o. Liabilitas segera o. Liabilities immediately payable
Liabilitas segera merupakan liabilitas Bank yang harus Liabilities immediately payable represent obligations to
segera dibayarkan kepada pihak lain berdasarkan kontrak third parties based on contract or order by those having
atau perintah dari pihak yang mempunyai kewenangan authority that have to be settled immediately. Liabilities
untuk itu. Liabilitas segera diukur sebesar biaya perolehan immediately payable are measured at their amortised cost
diamortisasi dengan menggunakan metode suku bunga using effective interest method.
efektif.
34
Page 434
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
p. Simpanan nasabah p. Deposits from customers
Simpanan nasabah adalah dana yang ditempatkan oleh Deposits from customers are the funds placed by
masyarakat kepada Bank berdasarkan perjanjian customers (excluding banks) with the Bank based on fund
penyimpanan dana. Termasuk dalam akun ini adalah giro, deposit agreements. Included in this account are current
tabungan, deposito berjangka dan bentuk lain yang accounts, saving accounts, time deposits and other forms
dipersamakan dengan itu. which are similar.
Giro merupakan simpanan nasabah yang dapat digunakan Current accounts represent customers' funds which can
sebagai alat pembayaran, yang penarikannya dapat be used as payment instruments, and which can be
dilakukan setiap saat melalui cek, atau dengan cara withdrawn by the depositors at any time through check
pemindahbukuan dengan bilyet giro atau sarana perintah writing, or transfers between accounts using bilyet giro and
pembayaran lainnya. other orders of payment or transfer.
Tabungan merupakan simpanan nasabah yang Saving accounts represent customers' funds, which can
penarikannya hanya dapat dilakukan menurut syarat only be withdrawn by the depositors under certain
tertentu yang disepakati. conditions.
Deposito berjangka merupakan simpanan nasabah yang Time deposits represent customers' funds, which can only
penarikannya hanya dapat dilakukan pada waktu tertentu be withdrawn by the depositors at specific maturities.
sesuai dengan perjanjian antara nasabah dengan Bank.
Simpanan nasabah diklasifikasikan sebagai liabilitas yang Deposits from customers are classified as liabilities
diukur pada biaya perolehan diamortisasi, yang diakui pada measured at amortised cost, which are initially recognised
nilai wajar pada pengakuan awal dan selanjutnya diukur at fair value and subsequently measured at amortised cost
pada biaya perolehan diamortisasi dengan menggunakan using the effective interest method. Amortised cost is
metode suku bunga efektif. Biaya perolehan diamortisasi calculated by taking into account any discount or premium
dihitung dengan memperhitungkan adanya diskonto atau related to the initial recognition of the deposits from
premi terkait dengan pengakuan awal simpanan nasabah customers and transaction costs that are an integral part
dan biaya transaksi yang merupakan bagian yang tak of the effective interest rate.
terpisahkan dari suku bunga efektif.
q. Simpanan dari bank lain q. Deposits from other banks
Simpanan dari bank lain terdiri dari liabilitas terhadap bank Deposits from other banks represent liabilities to other
lain dalam bentuk tabungan, giro dan deposito berjangka. banks, in the form of saving deposits, current accounts
and time deposits.
Simpanan dari bank lain diklasifikasikan sebagai liabilitas Deposits from other banks are classified as liabilities
yang diukur pada biaya perolehan diamortisasi, yang pada measured at amortised cost, which are initially recognised
awalnya diakui pada nilai wajar pada pengakuan awal dan at fair value and are subsequently measured at amortised
selanjutnya diukur pada biaya perolehan diamortisasi cost using the effective interest method. Amortised cost is
dengan menggunakan metode suku bunga efektif. Biaya calculated by taking into account any discount or premium
perolehan diamortisasi dihitung dengan memperhitungkan related to the initial recognition of deposits from other
adanya diskonto atau premi terkait dengan pengakuan awal banks and transaction costs that are an integral part of the
simpanan dari bank lain dan biaya transaksi yang effective interest rate.
merupakan bagian yang tidak terpisahkan dari suku bunga
efektif.
r. Pinjaman yang diterima r. Borrowings
Pinjaman yang diterima merupakan dana yang diterima dari Borrowings are funds received from other bank with
bank lain dengan kewajiban pembayaran kembali sesuai payment obligation based on borrowings agreements.
dengan persyaratan perjanjian pinjaman.
Pinjaman diterima diklasifikasikan sebagai liabilitas yang Borrowings are classified as liabilities measured at
diukur pada biaya perolehan diamortisasi, yang pada amortized cost which are initially recognized at fair value
awalnya dinyatakan sebesar nilai wajar dan kemudian and subsequently measured at amortized cost using the
dinyatakan sebesar biaya perolehan diamortisasi dengan effective interest rate method. Amortized cost is calculated
menggunakan metode suku bunga efektif. Biaya perolehan by taking into account any discount or premium related to
diamortisasi dihitung dengan memperhitungkan adanya the initial recognition of borrowings and transaction costs
diskonto atau premi terkait dengan pengakuan awal that are an integral part of the effective interest rate.
pinjaman diterima dan biaya transaksi yang merupakan
bagian yang tidak terpisahkan dari suku bunga efektif.
35
Page 435
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
s. Modal saham s. Share capital
Modal saham diukur dengan nilai nominal untuk seluruh Share capital is measured at par value for all shares
saham yang diterbitkan dan diklasifikasikan sebagai bagian issued and is classified as part of "Equity". Incremental
dari "Ekuitas". Biaya tambahan yang terkait langsung costs directly attributable to the issuance of new shares
dengan penerbitan saham baru dikurangkan terhadap are deducted against share capital.
modal saham.
Saham treasuri Treasury stock
Ketika Bank membeli modal saham ekuitas (saham When Bank purchases the equity share capital (treasury
treasuri), imbalan yang dibayar, termasuk biaya tambahan shares), the consideration paid, including any directly
yang secara langsung dapat diatribusikan (dikurangi pajak attributable incremental costs (net of income taxes) is
penghasilan) dikurangkan dari ekuitas yang diatribusikan deducted from equity attributable to the Bank’s equity
kepada pemilik ekuitas Bank sampai saham tersebut holders until the shares are cancelled or reissued. Where
dibatalkan atau diterbitkan kembali. Ketika saham biasa such ordinary shares are subsequently reissued, any
tersebut selanjutnya diterbitkan kembali, imbalan yang consideration received, net of any directly attributable
diterima, dikurangi biaya tambahan transaksi yang terkait incremental transaction costs and the related income tax
dan dampak pajak penghasilan yang terkait dimasukkan effects, is included in equity attributable to the Bank’s
kepada ekuitas yang dapat diatribusikan kepada pemilik equity holders.
ekuitas Bank.
t. Saldo laba t. Retained earnings
Saldo laba merupakan saldo kumulatif laba atau rugi bersih, Retained earnings represent the cumulative balance of net
distribusi dividen, penyesuaian periode sebelumnya, efek income or loss, dividend distributions, prior period
dari perubahan kebijakan akuntansi dan penyesuaian adjustments, effects of changes in accounting policy and
modal lainnya. other capital adjustments.
u. Pengakuan pendapatan dan beban bunga u. Interest income and expense recognition
Pendapatan bunga atas aset keuangan baik yang diukur Interest income for financial assets held at either fair value
dengan nilai wajar melalui penghasilan komprehensif lain through other comprehensive income or amortised cost
atau biaya perolehan diamortisasi dan beban bunga atas and interest expense on all financial liabilities held at
seluruh liabilitas keuangan yang diukur dengan biaya amortised cost are recognised in profit or loss using the
perolehan diamortisasi, diakui pada laba rugi berdasarkan effective interest method.
suku bunga efektif.
Pendapatan bunga atas aset keuangan yang diukur dengan Interest income for financial assets that are either held at
nilai wajar melalui penghasilan komprehensif lain atau biaya fair value through other comprehensive income or
diamortisasi yang mengalami penurunan nilai setelah amortised cost that have become credit impaired
pengakuan awal (Stage 3) diakui berdasarkan suku bunga subsequent to initial recognition (Stage 3) is recognised
efektif kredit yang disesuaikan. Tingkat bunga ini dihitung using the credit adjusted effective interest rate. This rate is
dengan cara yang sama dalam perhitungan suku bunga calculated in the same manner as the effective interest
efektif kecuali bahwa cadangan kerugian kredit rate except that expected credit losses are included in the
ekspektasian dimasukkan dalam arus kas ekspektasian. expected cash flows. Interest income is therefore
Oleh karenanya, pendapatan bunga diakui atas aset recognised on the amortised cost of the financial asset
keuangan dalam klasifikasi biaya perolehan diamortisasi including expected credit losses. Should the credit risk on
termasuk kerugian kredit ekspektasian. Dalam kondisi risiko a Stage 3 financial asset improve such that the financial
kredit atas aset keuangan Stage 3 mengalami perbaikan asset is no longer considered credit impaired, interest
sehingga aset keuangan tidak lagi dipertimbangkan income recognition reverts to a computation based on the
mengalami penurunan nilai, pengakuan pendapatan bunga rehabilitated the carrying value of the financial asset gross.
dihitung berdasarkan nilai tercatat bruto aset keuangan.
v. Pendapatan dan beban provisi dan komisi v. Fees and commission income and expense
Pendapatan dan beban provisi dan komisi atas aset dan Fees and commissions income and expense of financial
liabilitas keuangan yang merupakan bagian dari suku bunga assets and liabilities, which are an integral part of the
efektif, dimasukkan dalam perhitungan suku bunga efektif. effective interest rate are being taken into account in
Pendapatan dan beban ini diamortisasi sepanjang umur calculating the effective interest rate. These income and
aset atau liabilitas keuangan, atau selama periode risiko. expense are amortised during the life of financial assets or
liabilities or during the period of the risk.
36
Page 436
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
v. Pendapatan dan beban provisi dan komisi (lanjutan) v. Fees and commission income and expense (continued)
Provisi dan komisi yang tidak berkaitan dengan kegiatan Commissions and fees not related to lending activities or
perkreditan dan atau jangka waktu perkreditan, atau loan periods, or not material are recognised as revenues
jumlahnya tidak material diakui sebagai pendapatan atau and expenses at the time the transactions occur.
beban pada saat terjadinya transaksi.
Pendapatan provisi dan komisi yang berkaitan dengan Fees and commission income related to lending activities
kredit diakui sebagai bagian dari pendapatan bunga. are recognised as part of interest income.
w. Perpajakan w. Taxation
Perlakuan akuntansi atas pajak penghasilan sesuai dengan Accounting treatment for income tax is in accordance with
PSAK 46 “Pajak Penghasilan”. PSAK 46 “Income Tax”.
Beban pajak kini ditentukan berdasarkan laba kena pajak Current tax expense is determined based on the taxable
dalam periode yang bersangkutan yang dihitung income for the year computed using the prevailing tax
berdasarkan tarif pajak yang berlaku atau yang secara rates or substantively enacted at the reporting date.
substansial telah berlaku pada tanggal pelaporan.
Aset dan liabilitas pajak tangguhan diakui atas konsekuensi Deferred tax assets and liabilities are recognised for the
pajak periode mendatang yang timbul dari perbedaan future tax consequences attributable to the differences
jumlah tercatat aset dan liabilitas menurut laporan between the financial statement carrying amounts of
keuangan dengan dasar pengenaan pajak aset dan existing assets and liabilities and their respective tax
liabilitas. Liabilitas pajak tangguhan diakui untuk semua bases. Deferred tax liabilities are recognised for all taxable
perbedaan temporer kena pajak dan aset pajak tangguhan temporary differences and deferred tax assets are
diakui untuk perbedaan temporer yang boleh dikurangkan recognised for deductible temporary differences and carry
dan rugi fiskal yang belum dikompensasikan, sepanjang forward tax benefit of unused fiscal losses as long as the
besar kemungkinan dapat dimanfaatkan untuk mengurangi probable taxable income will be available in future periods
laba kena pajak pada masa datang. against the deductible and carry forward tax benefit.
Pajak tangguhan diukur dengan menggunakan tarif pajak Deferred tax is calculated at the tax rates that have been
yang berlaku atau secara substansial telah berlaku pada enacted or substantively enacted at statement of financial
tanggal laporan posisi keuangan. Pajak tangguhan position date. Deferred tax is charged to or credited in the
dibebankan atau dikreditkan dalam laporan laba rugi dan statements of profit or loss and other comprehensive
penghasilan komprehensif lain kecuali pajak tangguhan income, except when it relates to items charged to or
yang dibebankan atau dikreditkan langsung ke ekuitas. credited directly in equity, the deferred tax is also charged
to or credited directly in equity.
Aset dan liabilitas pajak tangguhan disajikan di laporan Deferred tax assets and liabilities are presented in the
posisi keuangan, atas dasar kompensasi sesuai dengan statements of financial position in the same manner the
penyajian aset dan liabilitas pajak kini. current tax assets and liabilities are presented.
Perubahan terhadap kewajiban perpajakan dicatat ketika Amendments to tax obligations are recorded when an
surat ketetapan diterima atau, jika Bank mengajukan assessment is received or, if appealed against by the
banding, ketika hasil banding telah ditetapkan. Bank, when the result of the appeal is determined.
x. Imbalan kerja x. Employee benefits
Bank memberikan imbalan pasca kerja imbalan pasti untuk The Bank provides defined benefit post-employment
karyawan sesuai dengan Peraturan Perusahaan dan benefits for employees in accordance with Company
Undang-Undang No.6 Tahun 2023 pengganti Undang- Regulations and Law No.6 of 2023 replacing Law No.11 of
Undang No.11 Tahun 2020 tentang Cipta Kerja dan 2020 on Job Creation and Government Regulation No.35
Peraturan Pemerintah No.35 Tahun 2021. of 2021.
Beban atas pemberian imbalan dalam program imbalan The cost of providing benefits under the defined benefits
manfaat pasti ditentukan dengan metode Projected Unit plan is determined using the Projected Unit Credit method.
Credit.
Liabilitas neto imbalan kerja yang diakui dalam laporan The net liability for post-employment benefits recognized in
posisi keuangan berkaitan dengan program imbalan pasti the statement of financial position related to defined
dihitung sebesar nilai kini dari estimasi imbalan yang akan benefit plans, are carried at the present value of estimated
diperoleh karyawan di masa depan sehubungan dengan employee benefit in the future related to the services in the
jasa di masa sekarang dan masa lalu, dikurangi dengan present and the past, less the fair value of plan assets.
nilai wajar dari aset program.
37
Page 437
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
x. Imbalan kerja (lanjutan) x. Employee benefits (continued)
Nilai kini kewajiban imbalan pasti ditentukan dengan The present value of the defined benefit obligation is
mendiskontokan estimasi arus kas keluar di masa depan determined by discounting the estimated cash outflows in
dengan menggunakan tingkat bunga obligasi pemerintah, future using interest rates of government bonds, which are
yang didenominasi dalam mata uang dimana manfaat akan denominated in the currency in which the benefits will be
dibayarkan dan yang mempunyai jangka waktu sampai paid and that have a term to maturity nearest the period of
dengan jatuh tempo mendekati jangka waktu kewajiban related post-employment benefit obligations. Government
imbalan pasca kerja terkait. Obligasi pemerintah digunakan bonds are used because there is no active market for high
karena tidak ada pasar aktif untuk obligasi korporat quality corporate bonds.
berkualitas tinggi.
Aset program adalah aset yang dimiliki oleh program Plan assets are assets held by the pension plan. These
pensiun. Aset ini diukur pada nilai wajar pada akhir periode assets are measured at fair value at the end of the
pelaporan. reporting period.
Pengukuran kembali, terdiri dari keuntungan dan kerugian Remeasurement, consisting of actuarial gains and losses,
aktuarial, dampak batas atas aset, tidak termasuk jumlah the impact of limitation of assets, excluding the amounts in
yang dimasukkan dalam bunga neto atas liabilitas imbalan net interest on the net defined benefit obligation and the
pasti neto dan imbal hasil aset program (tidak termasuk yield of the plan assets (excluding amounts in net interest
jumlah yang dimasukkan dalam bunga neto atas liabilitas on the net defined benefit liability), are recognized in equity
imbalan pasti neto), diakui pada ekuitas melalui through other comprehensive income in the period
penghasilan komprehensif lain pada periode terjadinya. incurred. Remeasurement is not classified to profit or loss
Pengukuran kembali tidak diklasifikasikan ke laba rugi di in subsequent periods.
periode selanjutnya.
Biaya jasa lalu diakui di laba rugi pada tanggal yang lebih Past service costs are recognized in profit or loss on an
awal antara: earlier date between:
a. ketika amandemen atau kurtailmen program terjadi; a. when the amendments or curtailment program occurs;
dan and
b. ketika Bank mengakui biaya restrukturisasi terkait atau b. when the Bank recognized a related restructuring
manfaat penghentian. charges or termination benefits.
Bunga neto dihitung dengan mengalikan liabilitas (aset) Net interest is calculated by multiplying the net liability
imbalan pasti neto dengan tingkat diskonto. Laba atau rugi (asset) of defined benefit by the discount rate used to
kurtailmen diakui apabila terdapat komitmen untuk measure the employee benefit obligation, each as at the
melakukan pengurangan jumlah karyawan dalam jumlah beginning of the annual period. Gain or loss of curtailment
yang material yang ditanggung oleh suatu program atau is recognized when there is a commitment to reduce the
apabila terdapat perubahan ketentuan-ketentuan pada number of employees significantly covered by a program
suatu program imbalan pasti, dimana bagian yang material or when there are changes in regulation in a defined
dari jasa yang diberikan karyawan pada masa depan tidak benefit plan, in which the material part of the services
lagi memberikan imbalan, atau memberikan imbalan yang provided by the employee in the future no longer give
lebih rendah. employee benefits, or lower employee benefits.
Laba atau rugi penyelesaian diakui apabila terdapat Profit or loss of settlement is recognized whenever there is
transaksi yang menghapuskan semua kewajiban hukum a transaction which abolishes all legal or constructive
atau konstruktif atas sebagian atau seluruh imbalan dalam obligations on part or all of the benefits in a defined benefit
program manfaat pasti. program.
Berdasarkan Siaran Pers Dewan Standar Akuntansi Based on the Press Release issued by Dewan Standar
Keuangan (DSAK) Ikatan Akuntan Indonesia (IAI) pada Akuntansi Keuangan (DSAK) of Ikatan Akuntan Indonesia
April 2022, menyebutkan bahwa PSAK 24: Imbalan Kerja (IAI) in April 2022, states that PSAK 24: Employee
paragraf 70 – 74 mensyaratkan entitas untuk Benefits paragraphs 70 – 74 requires an entity to attribute
mengatribusikan imbalan ke periode jasa berdasarkan benefits to the period of service based on the plan benefit
formula imbalan program dari tanggal ketika jasa pekerja formula from the date when employee service first leads to
pertama kali menghasilkan imbalan menurut program benefits under the plan until the date when further service
sampai tanggal ketika jasa pekerja selanjutnya tidak akan by the employee will lead to no material amount of further
menghasilkan jumlah imbalan selanjutnya yang material benefits under the plan, other then from further salary
berdasarkan program, selain dari kenaikan gaji berikutnya. increases.
38
Page 438
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
y. Transaksi dengan pihak berelasi y. Transactions with related parties
Bank melakukan transaksi dengan pihak-pihak berelasi. The Bank enters into transactions with related parties. In
Dalam laporan keuangan ini, istilah pihak berelasi sesuai these financial statements, the term related parties are
dengan PSAK 7 (penyesuaian 2015) tentang defined under PSAK 7 (adjustment 2015) on “Related
“Pengungkapan Pihak-pihak Berelasi”. Party Disclosures”.
Suatu pihak dianggap berelasi dengan Bank jika: The Bank considers the following as its related parties:
(i) Suatu pihak yang secara langsung, atau tidak langsung (i) a person who, directly or indirectly through one or
yang melalui satu atau lebih perantara, suatu pihak (a) more intermediaries, (a) controls, or is controlled by, or
mengendalikan, atau dikendalikan oleh, atau berada di under common control with the Bank, (b) has
bawah pengendalian bersama, dengan Bank; (b) significant influence over the Bank or (c) has joint
memiliki pengaruh signifikan atas Bank; atau (c) control over the Bank;
memiliki pengendalian bersama atas Bank;
(ii) suatu pihak yang berada dalam kelompok usaha yang (ii) an entity which is a member of the same group as the
sama dengan Bank; Bank;
(iii) suatu pihak yang merupakan ventura bersama di mana (iii) an entity which is a joint venture of a third party in
Bank sebagai venturer; which the Bank has ventured in;
(iv) suatu pihak adalah anggota dari personil manajemen (iv) a member of key management personnel of the Bank;
kunci Bank;
(v) suatu pihak adalah anggota keluarga dekat dari individu (v) a close family member of the person described in
yang diuraikan dalam butir (i) atau (iv); clause (i) or (iv);
(vi) suatu pihak adalah entitas yang dikendalikan, (vi) an entity that is controlled, jointly controlled or
dikendalikan bersama atau dipengaruhi signifikan oleh significantly influenced, directly or indirectly by the
beberapa entitas, langsung maupun tidak langsung, person described in clause (iv) or (v);
individu seperti diuraikan dalam butir (iv) atau (v);
(vii) suatu pihak adalah suatu program imbalan pasca-kerja (vii) an entity which is a post-employment benefit plan for
untuk imbalan kerja dari Bank atau entitas terkait Bank. the benefit of employees of either the Bank or an entity
related to the Bank.
Transaksi ini dilakukan berdasarkan persyaratan yang Transactions with related parties are made on terms
disetujui oleh kedua belah pihak, dimana persyaratan agreed by both parties, where such requirements may not
tersebut mungkin tidak sama dengan transaksi lain yang be the same as other transactions undertaken with third
dilakukan dengan pihak-pihak yang tidak berelasi. parties.
Seluruh transaksi dan saldo yang material dengan pihak- All material transactions and balances with related parties
pihak berelasi diungkapkan dalam catatan atas laporan are disclosed in the notes to the financial statements and
keuangan yang relevan dan rinciannya telah disajikan the relevant details have been presented in note of the
dalam catatan atas laporan keuangan (Catatan 36). financial statements (Note 36).
z. Laba per saham z. Earning per share
Laba per saham dasar dihitung dengan membagi laba Basic earning per share is computed by dividing net
bersih dengan jumlah rata-rata tertimbang jumlah saham income with the weighted average number of outstanding
yang beredar pada tahun berjalan. shares during the year.
Laba per lembar saham dilusian dihitung setelah melakukan Diluted earnings per share is computed after making the
penyesuaian yang diperlukan terhadap jumlah rata-rata necessary adjustments to the weighted average number of
tertimbang saham biasa yang beredar dengan asumsi common shares outstanding, assuming that all stock
bahwa semua opsi saham dilaksanakan pada saat options held at the time of publication.
penerbitan.
aa. Dividen aa. Dividend
Pembagian dividen kepada para pemegang saham Bank Dividend distribution to the Bank’s Shareholders is
diakui sebagai sebuah liabilitas dalam laporan keuangan recognised as a liability in the Bank financial statements in
Bank pada tahun ketika dividen tersebut disetujui oleh para the year in which the dividends are approved by the
pemegang saham Bank. Bank’s shareholders.
39
Page 439
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
ab. Provisi ab. Provisions
Provisi diakui jika Bank memiliki kewajiban kini (baik Provisions are recognised when the Bank has a present
bersifat hukum maupun bersifat konstruktif) yang akibat obligation (legal or constructive) where, as a result of a
peristiwa masa lalu, besar kemungkinannya penyelesaian past event, it is probable that an outflow of resources
kewajiban tersebut mengakibatkan arus keluar sumber embodying economic benefits will be required to settle the
daya yang mengandung manfaat ekonomi dan estimasi obligation and reliable estimate can be made of the
yang andal mengenai jumlah kewajiban tersebut dapat amount of obligation.
dibuat.
Provisi ditelaah pada setiap tanggal pelaporan dan Provisions are reviewed at each reporting date and
disesuaikan untuk mencerminkan estimasi terbaik yang adjusted to reflect the current best estimate. If it is no
paling kini. Jika arus keluar sumber daya untuk longer probable that an outflow of resources embodying
menyelesaikan kewajiban kemungkinan besar tidak terjadi, economic benefits will be required to settle the obligation,
maka provisi dibatalkan. the provision is reversed.
ac. Liabilitas dan aset kontinjensi ac. Contingent liabilities and assets
Liabilitas kontinjensi tidak diakui dalam laporan keuangan Contingent liabilities are not recognised in the financial
tetapi diungkapkan kecuali jika kemungkinan terjadi kecil. statements but are disclosed unless the possibility of an
Aset kontinjensi tidak diakui namun diungkapkan dalam outflow of resources embodying economic benefits is
laporan keuangan ketika adanya kemungkinan untuk remote. Contingent assets are not recognised but are
mendapatkan manfaat ekonomi. disclosed in the financial statement when an inflow of
economic benefits are probable.
ad. Akuntansi aset dan liabilitas pengampunan pajak ad. Accounting for asset and liabilities arising from tax
amnesty
Bank menerapkan PSAK 70 mengenai Aset dan liabilitas The Bank adopted PSAK 70 tax amnesty of assets and
pengampunan pajak. Aset (liabilitas) pengampunan pajak liabilities. Assets (liabilities) are tax amnesty assets
adalah Aset (liabilitas) yang timbul dari pengampunan pajak (liabilities) arising from tax amnesty based on the
berdasarkan Surat keterangan Pengampunan Pajak. Aset Certificate of Tax Amnesty. Assets of tax amnesty
pengampunan pajak diakui sebesar biaya perolehan aset recognized at cost of the tax amnesty assets. Liabilities of
Pengampunan Pajak. Liabilitas pengampunan pajak diakui tax amnesty are recognized at the contractual obligation to
sebesar kewajiban kontraktual untuk menyerahkan kas atau deliver cash or cash equivalents to settle the obligations
setara kas untuk menyelesaikan kewajiban yang berkaitan directly related to the acquisition of tax amnesty assets.
langsung dengan perolehan aset pengampunan pajak. The Bank recognizes the difference between assets and
Bank mengakui selisih antara aset pengampunan pajak dan liabilities of tax amnesty as part of additional paid in capital
liabilitas pengampunan pajak sebagai bagian dari tambahan in the equity. Redemption money paid is recognized in the
modal disetor pada ekuitas. Uang tebusan yang dibayarkan statement of profit or loss in the period the certificate of tax
diakui dalam laporan laba rugi pada periode disampaikan amnesty is approved. The subsequent measurement of
surat pernyataan. Pengukuran setelah pengukuran awal assets and liabilities of tax amnesty refers to the relevant
atas aset dan liabilitas pengampunan pajak mengacu pada accounting standards. Assets from the tax amnesty were
Standar Akuntansi Keuangan yang relevan. Aset recorded in fixed assets and additional paid-in capital
pengampunan pajak dicatat pada akun aset tetap dan account (Note 25).
tambahan modal disetor (Catatan 25).
ae. Informasi segmen ae. Segment information
Segmen adalah bagian yang dapat dibedakan dari Bank A segment is a distinguishable part of the Bank that is
yang terlibat baik dalam menyediakan produk tertentu engaged either in providing certain products (business
(segmen usaha), maupun dalam menyediakan produk segment), or in providing products within a particular
dalam lingkungan ekonomi tertentu (segmen geografis), economic environment (geographical segment), which is
yang memiliki risiko dan imbalan yang berbeda dengan subject to risks and rewards that are different from other
segmen lainnya. segments.
Pendapatan, beban, hasil, aset dan liabilitas segmen Revenues, expenses, results, assets and liabilities of the
mencakup item-item yang dapat diatribusikan langsung segment include items directly attributable to a segment as
kepada suatu segmen serta hal-hal yang dapat well as those that can be allocated on a reasonable basis
dialokasikan dengan dasar yang sesuai kepada segmen to that segment.
tersebut.
40
Page 440
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. INFORMASI KEBIJAKAN AKUNTANSI MATERIAL (lanjutan) 2. INFORMATION OF MATERIAL ACCOUNTING POLICIES
(continued)
ae. Informasi segmen (lanjutan) ae. Segment information (continued)
Bank menyajikan segmen operasi berdasarkan laporan The Bank presents operating segments based on internal
internal yang disajikan kepada pengambil keputusan reports that are presented to the chief operating decision
operasional yaitu Direksi. maker that is Board of Directors.
Bank telah mengidentifikasi dan mengungkapkan informasi The Bank has identified and disclosed financial information
keuangan berdasarkan kegiatan bisnis utama (segmen by major business activities (business segment) based on
usaha) berdasarkan segmen geografis. geographical segments.
Segmen geografis meliputi penyediaan jasa di dalam A geographical segment includes the provision of services
lingkungan ekonomi tertentu yang memiliki risiko serta within a particular economic environment that is subject to
tingkat pengembalian yang berbeda dengan segmen risks and returns that are different from other operating
operasi lainnya yang berada dalam lingkungan ekonomi segments that are in other economic environments.
lain.
af. Peristiwa setelah periode pelaporan af. Events after the reporting period
Setiap peristiwa setelah periode pelaporan yang Any after the reporting period event that provides
menyebabkan tambahan informasi mengenai posisi additional information about the Bank’s financial position
keuangan Bank (adjusting event) akan disesuaikan dalam (adjusting event) is reflected in the financial statements.
laporan keuangan. Peristiwa setelah periode pelaporan After the reporting period events that are not adjusting
yang bukan merupakan adjusting events , jika ada, akan events, if any, are disclosed when material to the financial
diungkapkan ketika memiliki dampak material terhadap statements.
laporan keuangan.
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING JUDGEMENTS
Dalam penyusunan laporan keuangan sesuai dengan Standar The preparation of financial statements in conformity with
Akuntansi Keuangan di Indonesia dibutuhkan estimasi dan Financial Accounting Standards in Indonesia requires the use
asumsi yang mempengaruhi: of estimates and assumptions that effects:
- nilai aset dan liabilitas dilaporkan, dan pengungkapan atas - the reported amounts of assets and liabilities, and
aset dan liabilitas kontinjensi pada tanggal laporan disclosure of contingent assets and liabilities at the date of
keuangan, the financial statements,
- jumlah pendapatan dan beban selama periode pelaporan. - the reported amounts of revenues and expenses during
the reporting period.
Walaupun estimasi ini dibuat berdasarkan pengetahuan terbaik Although these estimates are based on management's best
manajemen atas kejadian dan tindakan saat ini, hasil yang knowledge of current events and activities, actual results may
timbul mungkin berbeda dengan jumlah yang diestimasi semula. differ from those estimates.
Pertimbangan profesional dan estimasi signifikan dalam The most significant uses of the judgement and estimates in
menentukan jumlah yang diakui dalam laporan keuangan determining the amounts recognised in the financial
adalah sebagai berikut: statements are follows:
Usaha yang berkelanjutan Going concern
Manajemen Bank telah melakukan penilaian atas kemampuan The Bank's management has made an assessment of the
Bank untuk melanjutkan kelangsungan usahanya dan Bank's ability to continue as a going concern and is satisfied
berkeyakinan bahwa Bank memiliki sumber daya untuk that the Bank has the resources to continue in business for the
melanjutkan usahanya di masa mendatang. Selain itu, foreseeable future. Furthermore, the management is not
manajemen tidak mengetahui adanya ketidakpastian material aware of any material uncertainties that may cast significant
yang dapat menimbulkan keraguan yang signifikan terhadap doubt upon the Bank's ability to continue as a going concern.
kemampuan Bank untuk mempertahankan kelangsungan Therefore, the financial statements continue to be prepared on
hidupnya. Oleh karena itu, laporan keuangan telah disusun atas the going concern basis.
dasar usaha yang berkelanjutan.
Klasifikasi aset dan liabillitas keuangan Classification financial asset and liabilities
Bank menetapkan klasifikasi atas aset dan liabilitas tertentu The Bank determine the classifications of certain assets and
sebagai aset keuangan dan liabilitas keuangan dengan liabilities as financial assets and financial liabilities by judging if
mempertimbangkan apakah definisi yang ditetapkan dalam they meet the definition set forth in relevant PSAK has been
PSAK 71 terkait telah dipenuhi. Dengan demikian, aset fulfill. Accordingly, the financial assets and financial liabilities
keuangan dan liabilitas keuangan diakui sesuai dengan are accounted for in accordance with the accounting policies
kebijakan akuntansi seperti diungkapkan pada Catatan 2c. disclosed in Note 2c.
41
Page 441
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING (lanjutan) JUDGEMENTS (continued)
Nilai wajar atas instrumen keuangan Fair value of financial instruments
Bila nilai wajar aset keuangan dan liabilitas keuangan yang Where the fair values of financial assets and financial liabilities
tercatat pada laporan posisi keuangan tidak tersedia di pasar recorded on statements of financial position cannot be derived
aktif, ditentukan dengan menggunakan berbagai teknik from active markets, they are determined using a variety of
penilaian termasuk penggunaan model matematika. Masukan valuation techniques that include the use of mathematical
(input) untuk model ini berasal dari data pasar yang bisa models. The inputs to these models are derived from
diamati sepanjang data tersebut tersedia. Bila data pasar yang observable market data where possible, but where observable
bisa diamati tersebut tidak tersedia, pertimbangan manajemen market data are not available, judgment is required to
diperlukan untuk menentukan nilai wajar. Pertimbangan establish fair values. The judgments include considerations of
tersebut mencakup pertimbangan likuiditas dan masukan model liquidity and model inputs such as prepayment rates and
seperti tingkat pelunasan dipercepat dan asumsi tingkat gagal default rate assumptions.
bayar.
Bank menampilkan nilai wajar atas instrumen keuangan The Bank presents the fair value of financial instruments
berdasarkan hirarki nilai wajar sebagai berikut: based on the following fair value hierarchy:
- Tingkat 1 - nilai wajar berdasarkan harga kuotasian (tidak - Level 1 - the fair value is based quoted prices (unadjusted)
disesuaikan) dalam pasar aktif; in active markets;
- Tingkat 2 - nilai wajar yang menggunakan input selain - Level 2 - the fair value uses inputs other than quoted
harga kuotasian yang termasuk dalam Tingkat 1 yang dapat prices included within Level 1 that are observable, either
diobservasi, baik secara langsung (misalnya harga) atau directly (ie as prices) or indirectly (i.e, derived from prices);
secara tidak langsung (misalnya diperoleh dari harga); dan and
- Tingkat 3 - nilai wajar yang menggunakan input yang bukan - Level 3 - the fair value uses inputs that are not based on
berdasarkan data pasar yang dapat diobservasi (input yang observable market data (unobservable inputs).
tidak dapat diobservasi).
Penurunan nilai instrumen keuangan Impairment losses on financial instruments
Bank menelaah aset keuangan mereka pada nilai wajar melalui The Bank review their financial assets at fair value through
pendapatan komprehensif lain dan aset keuangan pada biaya other comprehensive income and financial assets at amortised
diamortisasi berdasarkan PSAK 71 yang mengharuskan untuk cost under PSAK 71 which required to recognise the expected
mengakui kerugian kredit ekspektasian pada setiap tanggal credit loss at each reporting date to reflect changes in credit
pelaporan untuk mencerminkan perubahan risiko kredit dari risk of the financial assets not at fair value through profit or
aset keuangan tidak pada nilai wajar melalui laba rugi. PSAK 71 loss. PSAK 71 incorporates forward-looking and historical,
menggabungkan informasi forward-looking dan historis, terkini current and forecasted information into expected credit loss
dan yang diperkirakan ke dalam estimasi kerugian kredit estimation.
ekspektasian.
Dalam melakukan peninjauan penurunan nilai, penilaian In carrying out the impairment review, the following
manajemen berikut diperlukan: management’s judgements are required:
i. Penentuan apakah aset mengalami penurunan nilai i. Determination whether the assets is impaired based on
berdasarkan indikator tertentu seperti, antara lain, kesulitan certain indicators such as, amongst others, financial
keuangan debitur, penurunan kualitas kredit; dan difficulties of the debtor’s, deterioration of the credit quality
of the debtor’s; and
ii. Penentuan umur kredit ekspektasian yang mencerminkan: ii. Determination of expected credit life that reflect:
a. Jumlah yang tidak bias dan probabilitas tertimbang a. An unbiased and probability-weighted amount that is
yang ditentukan dengan mengevaluasi kemungkinan determined by evaluating a range of possible
dari berbagai hasil; outcomes;
b. Nilai waktu dari uang; dan b. The time value of money; and
c. Informasi yang masuk akal dan dapat didukung yang c. Reasonable and supportable information that is
tersedia tanpa biaya atau usaha yang tidak semestinya available without undue cost or effort at the reporting
pada tanggal pelaporan tentang peristiwa masa lalu, date about past events, current conditions and
kondisi saat ini, dan perkiraan kondisi ekonomi masa forecasts of future economic conditions.
depan.
Penghitungan kerugian kredit ekspektasian Bank berdasarkan The Bank’s expected credit loss calculations under PSAK 71
PSAK 71 adalah keluaran dari model kompleks dengan are outputs of complex models with a number of underlying
sejumlah asumsi mendasar mengenai pilihan input variabel dan assumptions regarding the choice of variable inputs and their
saling ketergantungannya. Elemen-elemen dari model kerugian interdependencies. Elements of the expected credit loss
kredit ekspektasian yang dianggap sebagai pertimbangan dan models that are considered accounting judgements and
estimasi akuntansi meliputi: estimates include:
42
Page 442
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING (lanjutan) JUDGEMENTS (continued)
Penurunan nilai instrumen keuangan (lanjutan) Impairment losses on financial instruments (continued)
a. Model penilaian kredit internal, yang menetapkan a. Internal credit grading model, which assigns PDs to the
probability of default untuk tingkat individual; individual grades;
b. Kriteria penilaian jika ada peningkatan risiko kredit yang b. Criteria for assessing if there has been a significant
signifikan dan oleh karena itu cadangan untuk aset increase in credit risk and so allowances for financial
keuangan harus diukur berdasarkan kerugian kredit assets should be measured on a life time expected credit
ekspektasian sepanjang umur dan penilaian kualitatif; loss basis and the qualitative assessment;
c. Pengembangan model kerugian kredit ekspektasian, c. Development of expected credit loss models, including the
termasuk berbagai formula dan pilihan input ; various formulas and the choice of inputs;
d. Penentuan asosiasi antara skenario makroekonomi dan, d. Determination of associations between macroeconomic
input ekonomi, seperti produk domestik bruto (PDB) dan scenarios and, economic inputs, such as gross domestic
nilai agunan, dan pengaruhnya terhadap probability of product (GDP) and collateral values, and the effect on
defaults , exposure at defaults dan loss given defaults ; dan probability of defaults, exposure at defaults and loss given
defaults; and
e. Pemilihan skenario forward-looking untuk makroekonomi e. Selection of forward-looking macroeconomic scenarios
dan bobot probabilitasnya, untuk mendapatkan input and their probability weightings, to derive the economic
ekonomi ke dalam model kerugian kredit ekspektasian. inputs into the expected credit loss models.
Umur ekonomis aset tetap Useful life of fixed assets
Bank memperkirakan masa manfaat aset tetap berdasarkan The Bank estimate the useful lives of fixed assets based on
periode dimana aset diharapkan akan tersedia untuk digunakan. the period over which the assets are expected to be available
Masa manfaat ekonomis aset tetap ditinjau secara berkala dan for use. The estimated useful lives of fixed assets are
diperbarui jika memiliki ekspektasi yang berbeda dari perkiraan reviewed periodically and are updated if expectations differ
sebelumnya, karena kerusakan secara fisik dan teknis, atau from previous estimates due to physical wear and tear,
keusangan secara komersial dan legal atau batasan lainnya technical or commercial obsolescence and legal or other limits
atas penggunaan aset tersebut. Selain hal tersebut, estimasi on the use of the assets. In addition, estimation of the useful
masa manfaat dari aset tetap didasarkan pada penilaian secara lives of fixed assets is based on collective assessment of
kolektif dengan menggunakan praktik industri, teknik evaluasi industry practice, internal technical evaluation and experience
internal dan pengalaman dengan aset serupa. Tetap with similar assets. It is possible, however, that future results
dimungkinkan, bagaimanapun, bahwa hasil masa depan dapat of operations could be materially affected by changes in
secara material dipengaruhi oleh perubahan estimasi yang estimates brought about by changes in factors mentioned
disebabkan oleh perubahan faktor-faktor tersebut di atas. above. The amounts and timing of recorded expenses for any
Jumlah dan saat pencatatan biaya untuk setiap periode akan period would be affected by changes in these factors and
dipengaruhi oleh perubahan dari faktor dan keadaan saat circumstances. A reduction in the estimated useful lives of
pencatatan. Pengurangan taksiran masa manfaat dari aset fixed assets would increase the recorded operating expenses.
tetap akan meningkatkan beban operasional yang diakui.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Bank mengevaluasi penurunan nilai aset apabila terdapat The Bank assess impairment on assets whenever events or
kejadian atau perubahan keadaan yang mengindikasikan bahwa changes in circumstances indicate that the carrying amount of
nilai tercatat aset tidak dapat dipulihkan kembali. Faktor-faktor an assets may not be recoverable. The factors that which
penting yang dapat menyebabkan penelaahan penurunan nilai could trigger an impairment review include the following:
adalah sebagai berikut:
(i) Kinerja yang rendah secara signifikan jika dibandingkan (i) Significant underperformance relative to expected
dengan ekspektasi dari hasil operasi historis maupun historical or projected future operating results;
proyeksi hasil operasi di masa yang akan datang;
(ii) Perubahan yang signifikan dalam cara penggunaan aset (ii) Significant changes in the manner of use of the acquired
atau strategi bisnis secara keseluruhan; dan assets or the strategy for overall business; and
(iii) Tren negatif industri dan ekonomi signifikan. (iii) Significant negative industry or economic trends.
Bank mengakui kerugian penurunan nilai apabila nilai tercatat The Bank recognise an impairment loss whenever the carrying
aset melebihi nilai yang dapat dipulihkan. Jumlah terpulihkan amount of an assets exceeds its recoverable amount. The
adalah nilai yang lebih tinggi antara nilai wajar dikurangi biaya recoverable amount is the higher of an assets (or Cash
untuk menjual dengan nilai pakai aset (unit penghasil kas). Generating Unit's) fair value less costs to sell and its value in
Jumlah terpulihkan diestimasi untuk aset individual atau, jika use. Recoverable amounts are estimated for individual assets
tidak memungkinkan, untuk unit penghasil kas yang mana aset or, if it is not possible, for the Cash Generating Unit to which
tersebut merupakan bagian daripada unit tersebut. the asset belongs.
43
Page 443
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING ESTIMATES AND
AKUNTANSI YANG PENTING (lanjutan) JUDGEMENTS (continued)
Kontinjensi Contingencies
Bank saat ini terlibat dalam beberapa kasus hukum. Estimasi Bank is currently involved in various legal proceedings. The
atas biaya yang mungkin terjadi atas penyelesaian tuntutan- estimates of the probable costs for the resolution of these
tuntutan tersebut sudah dikonsultasikan dengan penasihat dari claims has been developed in consultation with outside
luar yang menangani pembelaan Bank dalam hal-hal tersebut counsel handling the Bank’s defense on these matters and is
dan berdasarkan analisa dari hasil yang mungkin terjadi. Bank based upon an analysis of the potential results. The Bank
saat ini tidak yakin kalau kasus-kasus ini akan memiliki efek currently does not believe that these proceedings will have a
kerugian yang material pada laporan keuangan. Bagaimanapun, material adverse effect on the financial statements. It is
ada kemungkinan dari hasil-hasil operasi di masa akan datang possible, however, that future results of operations could be
akan terpengaruh secara material oleh perubahan dari materially affected by changes in the estimates or in the
perkiraan-perkiraan atau dalam keefektifan dari strategi yang effectiveness of the strategies relating to the proceedings.
berhubungan dengan kasus-kasus ini.
Penilaian mata uang fungsional Assessment of functional currency
Manajemen telah melakukan pertimbangan untuk menentukan The management has considered to use its judgment to
mata uang fungsional yang paling mewakili dampak ekonomi determine the entity’s functional currency such that it most
dari suatu transaksi, kejadian dan kondisi-kondisi yang relevan faithfully represents the economic effects of the underlaying
terhadap entitas. Dalam membuat pertimbangan tersebut, Bank transactions, events and conditions that are relevant to the
telah mempertimbangkan hal-hal sebagai berikut: entity. In making this judgment, the Bank has considered the
following:
1) mata uang yang mempengaruhi harga jual atas instrumen 1) the currency that mainly influences sales prices for
keuangan dan jasa-jasa lainnya (biasanya dari mata uang financial instruments and services (this will often be the
atas harga jual instrumen keuangan dan jasa-jasa yang currency in which sales prices for its financial instruments
telah diselesaikan); and services are denominated and settled);
2) mata uang atas dana yang dihasilkan dari aktivitas 2) the currency in which funds from financing activities are
pendanaan; dan generated; and
3) mata uang atas dana yang biasa diterima dari aktivitas 3) the currency in which funds from operating are usually
operasi. retained.
Asumsi utama masa depan dan sumber utama estimasi The key assumptions concerning the future and other key
ketidakpastian lain pada tanggal pelaporan yang memiliki risiko sources of estimation uncertainty at the reporting date that
signifikan yang dapat menimbulkan penyesuaian yang material have a significant risk of causing a material adjustment to the
terhadap nilai tercatat aset dan liabilitas untuk tahun keuangan carrying amounts of assets and liabilities within the next
berikutnya, diungkapkan di bawah ini. Bank mendasarkan financial year are disclosed below. The Bank based its
asumsi dan estimasinya pada parameter yang tersedia pada assumptions and estimates on parameters available when the
saat laporan keuangan disusun. Situasi yang ada dan asumsi financial statements were prepared. Existing circumstances
perkembangan masa depan, dapat berubah akibat perubahan and assumptions about future developments, may change due
pasar atau situasi yang berada di luar kendali Bank. Perubahan- to market changes or circumstances arising beyond the
perubahan tersebut dicerminkan di dalam asumsi-asumsi terkait control of the Bank. Such changes are reflected in the
pada saat terjadinya. assumptions as they occur.
Aset pajak tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas jumlah pajak penghasilan Deferred tax assets are recognized for the future recoverable
terpulihkan (recoverable) pada periode mendatang sebagai taxable income arising from temporary difference.
akibat perbedaan temporer yang boleh dikurangkan. Justifikasi Management’s judgment is required to determine the amount
manajemen diperlukan untuk menentukan jumlah aset pajak of deferred tax assets that can be recognized, based upon the
tangguhan yang dapat diakui, sesuai dengan waktu yang tepat likely timing on level of future taxable profits together with
dan tingkat laba fiskal di masa mendatang sejalan dengan future tax planning strategies (Note 18).
strategi rencana perpajakan ke depan (Catatan 18).
Pensiun Pension
Program-program pensiun ditentukan berdasarkan perhitungan Pension programs are determined based on actuarial
aktuaria. Perhitungan aktuaria menggunakan asumsi-asumsi valuation. The actuarial valuation involves assumptions such
seperti tingkat diskonto, tingkat pengembalian investasi, tingkat as discount rate expected rate of returns on investments,
kenaikan gaji, tingkat kematian, tingkat pengunduran diri dan future salary increase, mortality rate, resignation rates and
lain-lain (Catatan 19). others (Note 19).
44
Page 444
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
4. KAS 4. CASH
2023 2022
Rupiah 17.163.556.200 26.413.110.800 Rupiah
Kas yang dimiliki seluruhnya dalam mata uang Rupiah, pada Cash on hand is all in Rupiah currency, as of December 31,
tanggal 31 Desember 2023 dan 2022. Saldo kas termasuk uang 2023 and 2022. Total cash includes cash in ATMs (Automatic
pada ATM (Anjungan Tunai Mandiri) sebesar Rp289.650.000 Teller Machines) amounting to Rp289,650,000 and
dan Rp276.150.000. Rp276,150,000.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
Giro pada Bank Indonesia seluruhnya dalam mata uang Rupiah. Current accounts with Bank Indonesia are denominated in
Saldo pada tanggal 31 Desember 2023 dan 2022 masing- Rupiah. The balance as of December 31, 2023 and 2022 are
masing sebagai berikut: as follows:
2023 2022
Rupiah 462.808.546.170 406.090.896.181 Rupiah
Giro pada Bank Indonesia tersebut di atas ditempatkan untuk Current accounts with Bank Indonesia are maintained to meet
memenuhi persyaratan Giro Wajib Minimum (GWM) yang the Minimum Statutory Reserve (GWM) requirements of Bank
diharuskan Bank Indonesia, masing-masing sebesar GWM Indonesia, each Daily GWM 0.00%, Average GWM 9.00%
Harian 0,00%, GWM Rata-rata 9,00% dan GWM Penyangga and GWM of Macroprudential Liquidity Buffer (PLM) 5.00% as
Likuiditas Makropudensial (PLM) 5,00% pada tanggal 31 of December 31, 2023, Daily GWM 0.00% Average GWM
Desember 2023, GWM Harian 0,00%, GWM Rata-rata 9,00% 9.00% and GWM of Macroprudential Liquidity Buffer (PLM)
dan GWM Penyangga Likuiditas Makropudensial (PLM) 6,00% 6.00% as of December 31, 2022.
pada tanggal 31 Desember 2022.
Bank dipersyaratkan untuk memiliki Giro Wajib Minimum (GWM) The Bank is required to maintain statutory reserves in Rupiah
dalam mata uang Rupiah dalam kegiatannya sebagai bank currency in its activities as a commercial, and foreign statutory
umum, serta GWM dalam mata uang asing dalam kegiatannya reserves in its activities in the conduct of foreign currency
melakukan transaksi mata uang asing. GWM disimpan dalam transactions. These statutory reserves are deposited in the
bentuk giro pada Bank Indonesia. form of current accounts with Bank Indonesia.
Rasio GWM dan PLM Bank pada tanggal 31 Desember 2023 As of December 31, 2023 and 2022 the GWM and PLM ratios
dan 2022 adalah sebagai berikut: of the Bank are as follows:
2023 2022
Giro Wajib Minimum Rupiah Minimum Statutory Reserves in Rupiah
- Primer 7,19% 7,47% Primary -
- PLM 23,06% 16,65% PLM -
Rasio GWM pada tanggal 31 Desember 2023 dihitung The statutory reserves ratio as of December 31, 2023 is
berdasarkan Peraturan Bank Indonesia (PBI) No.20/3/PBI/2018 calculated based on Bank Indonesia Regulation (PBI)
sebagaimana diubah terakhir dengan PBI No.24/4/PBI/2022 No.20/3/PBI/2018 which have been amended with PBI
tanggal 25 Februari 2022 dan Peraturan Anggota Dewan No.24/4/PBI/2022 dated February 25, 2022 and PADG No.2
Gubernur (PADG) terakhir yaitu PADG No.2 Tahun 2023 Year 2023 dated March 24, 2023 regarding Statutory Reserves
tanggal 24 Maret 2023 tentang tentang Giro Wajib Minimum in Rupiah and Foreign Currency, for Conventional Commercial
dalam Rupiah dan Valuta Asing, Bagi Bank Umum Banks, Islamic Commercial Banks and Sharia Business Units.
Konvensional, Bank Umum Syariah dan Unit Usaha Syariah.
Berdasarkan surat dari Bank Indonesia No.25/321/DKMP/Srt/B Based on a letter from Bank Indonesia No25/321/DKMP/Srt/B
tanggal 5 Desember 2023 dan merujuk pada PBI No. 11 tahun dated December 5, 2023 and referring to PBI No. 11 year 2023
2023 dan PADG No. 11 Tahun 2023, pada tanggal 31 and PADG No. 11 Year 2023, as of December 31, 2023, Bank
Desember 2023, Bank telah memperoleh insentif atas has obtained incentives for providing funds for activities a
penyediaan dana untuk kegiatan ekonomi tertentu dan inklusif certain and inclusive economy that reduction in the fulfillment
berupa pemotongan pemenuhan GWM sebesar 2,1%. of the statutory reserve requirement by 2.1%.
45
Page 445
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA (continued)
Rasio GWM pada tanggal 31 Desember 2022 dihitung The statutory reserves ratio as of December 31, 2022 is
berdasarkan Peraturan Bank Indonesia (PBI) No.20/3/PBI/2018 calculated based on Bank Indonesia Regulation (PBI)
sebagaimana diubah terakhir dengan PBI No.24/4/PBI/2022 No.20/3/PBI/2018 which have been amended with PBI
tanggal 25 Februari 2022 dan Peraturan Anggota Dewan No.24/4/PBI/2022 dated February 25, 2022 and PADG
Gubernur (PADG) terakhir yaitu PADG No.24/8/PADG/2022 No.24/8/PADG/2022 dated June 30, 2022 regarding Statutory
tanggal 30 Juni 2022 tentang tentang Giro Wajib Minimum Reserves in Rupiah and Foreign Currency, for Conventional
dalam Rupiah dan Valuta Asing, Bagi Bank Umum Commercial Banks, Islamic Commercial Banks and Sharia
Konvensional, Bank Umum Syariah dan Unit Usaha Syariah. Business Units.
Berdasarkan surat dari Bank Indonesia No.24/228/DKMP/Srt/B Based on a letter from Bank Indonesia No.24/228/DKMP/Srt/B
tanggal 28 November 2022 dan merujuk pada Peraturan Bank dated November 28, 2022 and referring to Bank Indonesia
Indonesia Nomor 24/5/PBI/2022, pada tanggal 31 Desember Regulation Number 24/5/PBI/2022, as of December 31, 2022,
2022, Bank telah memperoleh insentif atas penyediaan dana Bank has obtained incentives for providing funds for activities a
untuk kegiatan ekonomi tertentu dan inklusif berupa certain and inclusive economy that reduction in the fulfillment
pemotongan pemenuhan GWM sebesar 2%. of the statutory reserve requirement by 2%.
Rasio PLM pada tanggal 31 Desember 2023 dihitung The PLM ratio as of December 31, 2023 is calculated based on
berdasarkan Peraturan Bank Indonesia (PBI) No.20/4/PBI/2018 Bank Indonesia Regulation (PBI) No.20/4/PBI/2018 which have
sebagaimana diubah terakhir dengan PBI No.24/16/PBI/2022 been amended with PBI No.24/16/PBI/2022 dated October 31,
tanggal 31 Oktober 2022 dan Peraturan Anggota Dewan 2022 and PADG No.18 year 2023 dated November 29, 2023
Gubernur (PADG) terakhir yaitu PADG No. 18 tahun 2023 regarding Macroprudential Intermediation Ratio and
tanggal 29 November 2023 tentang Rasio Intermediasi Macroprudential Liquidity Buffer for Conventional Commercial
Makroprudensial dan Penyangga Likuiditas Makroprudensial Banks, Islamic Commercial Banks and Sharia Business Units.
bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit
Usaha Syariah.
Rasio PLM pada tanggal 31 Desember 2022 dihitung The PLM ratio as of December 31, 2022 is calculated based on
berdasarkan Peraturan Bank Indonesia (PBI) No.20/4/PBI/2018 Bank Indonesia Regulation (PBI) No.20/4/PBI/2018 which have
sebagaimana diubah terakhir dengan PBI No.24/16/PBI/2022 been amended with PBI No.24/16/PBI/2022 dated October 31,
tanggal 31 Oktober 2022 dan Peraturan Anggota Dewan 2022 and PADG No.24/14/PADG/2022 dated October 31,
Gubernur (PADG) terakhir yaitu PADG No. 24/14/PADG/2022 2022 regarding Macroprudential Intermediation Ratio and
tanggal 31 Oktober 2022 tentang Rasio Intermediasi Macroprudential Liquidity Buffer for Conventional Commercial
Makroprudensial dan Penyangga Likuiditas Makroprudensial Banks, Islamic Commercial Banks and Sharia Business Units.
bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit
Usaha Syariah.
Manajemen Bank berpendapat bahwa jumlah giro wajib The Bank’s management believes that the amount of minimum
minimum pada Bank Indonesia tersebut telah memadai dan legal reserves at Bank Indonesia is adequate and meet the
memenuhi syarat. requirements set forth by Bank Indonesia.
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
Tidak terdapat giro pada bank lain pada pihak berelasi. There was no current accounts with other banks with related
party.
a. Berdasarkan nama bank a. By counterparty bank
2023 2022
PT Bank Mandiri (Persero) Tbk 1.907.271.162 565.583.879 PT Bank Mandiri (Persero) Tbk
PT Bank Maybank Indonesia Tbk 477.163.601 399.319.840 PT Bank Maybank Indonesia Tbk
PT Bank Negara Indonesia
(Persero) Tbk 192.914.162 270.245.104 PT Bank Negara Indonesia (Persero) Tbk
PT Bank Rakyat Indonesia
(Persero) Tbk 119.801.527 5.119.561 PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Central Asia Tbk 18.870.000 19.280.000 PT Bank Central Asia Tbk
PT Bank JTrust Indonesia Tbk 7.354.836 56.346.376 PT Bank JTrust Indonesia Tbk
PT Bank Danamon Indonesia Tbk 6.821.766 - PT Bank Danamon Indonesia Tbk
Jumlah 2.730.197.054 1.315.894.760 Total
- -
46
Page 446
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS (continued)
b. Berdasarkan kolektibilitas b. By collectibility
Pada tanggal 31 Desember 2023 dan 2022, semua giro All current accounts with other banks are classified as
pada bank lain diklasifikasikan lancar. current as of December 31, 2023 and 2022.
c. Tingkat suku bunga rata-rata per tahun c. Average interest rate per annum
2023 2022
Rupiah 0,63% 0,56% Rupiah
d. Perubahan penyisihan kerugian penurunan nilai d. Movements in the allowance for impairment losses
Pada tanggal 31 Desember 2023 dan 2022, giro pada bank As of December 31, 2023 and 2022, current accounts with
lain tidak mengalami kerugian penurunan nilai. Manajemen other banks are not impaired. Management believes that
berkeyakinan bahwa tidak ada penyisihan kerugian there was no allowance for impairment losses to be
penurunan nilai yang perlu diakui. recognised.
e. Informasi lain e. Other information
Tidak terdapat giro pada bank lain yang dibatasi There is no current accounts with other banks that are
penggunaannya. restricted in use.
7. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN 7. PLACEMENTS WITH BANK INDONESIA AND OTHER
BANKS
Tidak terdapat penempatan pada bank lain pada pihak berelasi. There was no placements with other banks with related party.
a. Berdasarkan jenis dan nama bank a. By type and counterparty bank
2023 2022
Pihak ketiga Third parties
Deposit facility Deposit facility
Fasilitas Simpanan Bank Indonesia 100.000.000.000 175.000.000.000 Deposit facilities of Bank Indonesia
Dikurangi diskonto yang
belum diamortisasi (14.574.831) (23.081.141) Less unamortised discount
99.985.425.169 174.976.918.859
Deposito berjangka Time deposits
PT Bank Mayapada Internasional Tbk 350.000.000.000 75.000.000.000 PT Bank Mayapada Internasional Tbk
PT Bank Capital Indonesia Tbk - 100.000.000.000 PT Bank Capital Indonesia Tbk
Lain-lain (Bank Perkreditan Rakyat) - 4.400.000.000 Others (Rural Bank)
350.000.000.000 179.400.000.000
Call money Call money
PT Bank Ina Perdana Tbk 100.000.000.000 100.000.000.000 PT Bank Ina Perdana Tbk
PT Bank Seabank Indonesia - 75.000.000.000 PT Bank Seabank Indonesia
100.000.000.000 175.000.000.000
Jumlah 549.985.425.169 529.376.918.859 Total
Dikurangi cadangan kerugian Less allowance for
kerugian penurunan nilai - - impairment losses
Jumlah 549.985.425.169 529.376.918.859 Total
- -
b. Berdasarkan jangka waktu b. By maturity
2023 2022
Kurang dari 1 bulan 550.000.000.000 528.200.000.000 Less than 1 month
Lebih dari 3 - 6 bulan - 1.200.000.000 More than 3 - 6 months
Dikurangi diskonto yang
belum diamortisasi (14.574.831) (23.081.141) Less unamortised discount
Jumlah 549.985.425.169 529.376.918.859 Total
- -
47
Page 447
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN 7. PLACEMENTS WITH BANK INDONESIA AND OTHER
(lanjutan) BANKS (continued)
c. Berdasarkan sisa umur jatuh tempo c. By remaining period to maturity
2023 2022
Kurang dari 1 bulan 550.000.000.000 528.200.000.000 Less than 1 month
Lebih dari 1 - 3 bulan - 1.200.000.000 More than 1 - 3 months
Dikurangi diskonto yang
belum diamortisasi (14.574.831) (23.081.141) Less unamortised discount
Jumlah 549.985.425.169 529.376.918.859 Total
- -
d. Berdasarkan kolektibilitas d. By collectibility
Pada tanggal 31 Desember 2023 dan 2022, semua All placements with Bank Indonesia and other banks are
penempatan pada Bank Indonesia dan bank lain classified as current as of December 31, 2023 and 2022.
diklasifikasikan lancar.
e. Tingkat suku bunga rata-rata per tahun e. Average interest rate per annum
2023 2022
Deposit facility 5,01% 2,93% Deposit facility
Term deposits 5,59% 4,12% Term deposits
Deposito berjangka 6,69% 5,31% Time deposits
Call money 5,69% 3,58% Call money
f. Perubahan penyisihan kerugian penurunan nilai f. Movements in the allowance for impairment losses
Pada tanggal 31 Desember 2023 dan 2022, penempatan As of December 31, 2023 and 2022, for placements with
pada Bank Indonesia dan bank lain tidak mengalami Bank Indonesia and other banks are not impaired.
kerugian penurunan nilai. Manajemen berkeyakinan bahwa Management believes that there was no allowance for
tidak ada penyisihan kerugian penurunan nilai yang perlu impairment losses to be recognised.
diakui.
g. Informasi lain g. Other information
Pada tanggal 31 Desember 2023 dan 2022, tidak terdapat As of December 31, 2023 and 2022, there were no
penempatan pada Bank Indonesia dan bank lain yang placements with Bank Indonesia and other banks pledged
digunakan sebagai jaminan. Manajemen yakin bahwa as cash collateral. Management believes that all funds are
seluruh dana yang ditempatkan akan diterima kembali. placed to be reaccepted.
8. EFEK-EFEK 8. MARKETABLE SECURITIES
Tidak terdapat efek-efek pada pihak berelasi. There was no marketable securities with related party.
a. Berdasarkan jenis a. By type
2023 2022
Biaya perolehan diamortisasi: Amortised cost:
Surat Utang Negara 916.000.000.000 846.000.000.000 Government Bonds
Sukuk Ritel Negara 386.000.000.000 1.000.000.000 State Retail Sukuk
Obligasi Retail Indonesia 50.000.000.000 50.000.000.000 Indonesian Retail Bonds
Ditambah premium
yang belum diamortisasi 30.901.566.872 24.400.841.679 Add unamortised premium
Jumlah 1.382.901.566.872 921.400.841.679 Total
- -
b. Berdasarkan jangka waktu b. By maturity
2023 2022
Lebih dari 12 bulan 1.352.000.000.000 897.000.000.000 More than 12 months
Ditambah premium
yang belum diamortisasi 30.901.566.872 24.400.841.679 Add unamortised premium
Jumlah 1.382.901.566.872 921.400.841.679 Total
- -
48
Page 448
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
c. Berdasarkan sisa umur jatuh tempo c. By remaining period
2023 2022
Kurang dari 3 bulan 160.000.000.000 - Less than 3 months
Lebih dari 3 - 6 bulan 50.000.000.000 31.000.000.000 More than 3 - 6 months
Lebih dari 12 bulan 1.142.000.000.000 866.000.000.000 More than 12 months
Ditambah premium
yang belum diamortisasi 30.901.566.872 24.400.841.679 Add unamortised premium
Jumlah 1.382.901.566.872 921.400.841.679 Total
- -
d. Berdasarkan penerbit dan peringkat efek-efek d. By issuers and rating of securities
2023 2022
Peringkat/ Nilai tercatat/ Nilai tercatat/ Peringkat/
Rating Carrying value Carrying value Rating
Pemerintah Government of
Republik Indonesia - 1.352.000.000.000 897.000.000.000 - the Republic of Indonesia
Ditambah premium
yang belum diamortisasi 30.901.566.872 24.400.841.679 Add unamortised premium
Jumlah - bersih 1.382.901.566.872 921.400.841.679 Total - net
- -
e. Tingkat suku bunga rata-rata per tahun e. Average interest rate per annum
2023 2022
Surat Utang Negara 7,39% 7,32% Government Bonds
Sukuk Ritel Negara 7,13% 6,50% State Retail Sukuk
Obligasi Retail Indonesia 5,57% 6,00% Indonesian Retail Bonds
f. Berdasarkan kolektibilitas f. By collectibility
Pada tanggal 31 Desember 2023 dan 2022, semua efek- All marketable securities are classified as current as of
efek diklasifikasikan lancar December 31, 2023 and 2022.
g. Perubahan penyisihan kerugian penurunan nilai g. Movements in the allowance for impairment losses
Pada tanggal 31 Desember 2023 dan 2022, efek-efek tidak As of December 31, 2023 and 2022, for marketable
mengalami kerugian penurunan nilai. Manajemen securities are not impaired. Management believes that
berkeyakinan bahwa tidak ada penyisihan kerugian there was no allowance for impairment losses to be
penurunan nilai yang perlu diakui. recognised.
9. PINJAMAN YANG DIBERIKAN 9. LOANS
a. Berdasarkan jenis a. By type
2023 2022
Modal kerja 5.422.467.516.234 5.216.864.694.636 Working capital
Investasi 1.785.955.944.504 1.760.563.923.532 Investment
Konsumsi 1.099.042.147.557 839.289.710.935 Consumer
Sindikasi 207.537.404.560 236.575.913.928 Syndicated
Karyawan 12.878.270.585 10.828.439.880 Employee
Jumlah 8.527.881.283.440 8.064.122.682.911 Total
Penyisihan kerugian penurunan nilai (217.320.846.582) (134.468.859.962) Allowance for impairment losses
Jumlah - bersih 8.310.560.436.858 7.929.653.822.949 Total - net
- -
b. Berdasarkan pihak b. By party
2023 2022
Pihak berelasi 80.614.089.822 72.694.016.623 Related party
Pihak ketiga 8.447.267.193.618 7.991.428.666.288 Third party
Jumlah 8.527.881.283.440 8.064.122.682.911 Total
Penyisihan kerugian penurunan nilai (217.320.846.582) (134.468.859.962) Allowance for impairment losses
Jumlah - bersih 8.310.560.436.858 7.929.653.822.949 Total - net
- -
49
Page 449
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
c. Berdasarkan sektor ekonomi c. By economic sector
2023 2022
Perdagangan besar dan eceran 1.948.509.631.833 962.011.984.487 Wholesale and retail trading
Industri pengolahan 1.582.777.085.263 1.451.835.585.029 Manufacturing
Perantara keuangan 1.482.846.411.278 1.918.603.097.590 Financial intermediary
Rumah tangga 974.341.574.879 850.118.150.815 Households
Penyediaan akomodasi dan Accommodation and
penyediaan makan minum 747.300.601.055 462.607.691.806 food and baverages
Real estate, usaha persewaan Real estate, leasing services
dan jasa perusahaan 718.924.898.882 1.099.578.048.792 and servicing companies
Jasa kemasyarakatan, sosial budaya, Services in social, art culture, recreation
hiburan dan perorangan lainnya 321.979.055.028 481.478.793.008 and other individual services
Konstruksi 277.643.659.850 307.476.478.606 Construction
Jasa kesehatan dan kegiatan sosial 214.007.879.848 330.825.642.629 Health and social services
Transportasi, pergudangan Transportation, warehousing
dan komunikasi 200.235.393.380 107.147.892.701 and communication
Pertambangan dan penggalian 28.367.657.716 62.244.733.321 Mining and excavation
Pertanian, perburuan dan kehutanan 17.507.694.858 6.775.106.042 Argiculture, hunting and forestry
Jasa pendidikan 13.439.739.570 23.419.478.085 Education services
Jumlah 8.527.881.283.440 8.064.122.682.911 Total
Penyisihan kerugian penurunan nilai (217.320.846.582) (134.468.859.962) Allowance for impairment losses
Jumlah - bersih 8.310.560.436.858 7.929.653.822.949 Total - net
- -
d. Berdasarkan kolektibilitas d. By collectibility
2023
Penyisihan
kerugian
penurunan nilai/
Nilai tercatat/ Allowance for Jumlah - bersih/
Carrying value impairment losses Total - net
Individual Individual
Lancar 24.800.000.000 (4.873.325.125) 19.926.674.875 Current
Dalam perhatian khusus 46.072.838.846 (6.812.800.663) 39.260.038.183 Special mention
Diragukan 14.715.627.199 (5.502.584.780) 9.213.042.419 Doubtful
Macet 120.939.663.190 (35.112.069.953) 85.827.593.237 Loss
Kolektif Collective
Lancar 7.845.164.050.526 (58.028.940.701) 7.787.135.109.825 Current
Dalam perhatian khusus 296.430.408.196 (22.997.457.809) 273.432.950.387 Special mention
Kurang lancar 27.427.506.288 (25.108.778.201) 2.318.728.087 Sub-standard
Diragukan 19.574.461.275 (19.574.461.275) - Doubtful
Macet 132.756.727.921 (39.310.428.076) 93.446.299.845 Loss
Jumlah - bersih 8.527.881.283.441 (217.320.846.583) 8.310.560.436.858 Total - net
-
50
Page 450
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
d. Berdasarkan kolektibilitas (lanjutan) d. By collectibility (continued)
2022
Penyisihan
kerugian
penurunan nilai/
Nilai tercatat/ Allowance for Jumlah - bersih/
Carrying value impairment losses Total - net
Individual Individual
Lancar 26.000.000.000 (4.873.325.125) 21.126.674.875 Current
Dalam perhatian khusus 57.967.265.303 (14.265.116.732) 43.702.148.571 Special mention
Diragukan 48.351.969.432 (4.273.000.000) 44.078.969.432 Doubtful
Macet 98.426.366.551 (27.884.665.026) 70.541.701.525 Loss
Kolektif Collective
Lancar 7.527.163.587.442 (48.902.873.459) 7.478.260.713.983 Current
Dalam perhatian khusus 237.857.611.677 (12.854.783.647) 225.002.828.030 Special mention
Kurang lancar 7.871.121.992 (6.750.086.879) 1.121.035.113 Sub-standard
Diragukan 7.036.479.110 (7.036.436.702) 42.408 Doubtful
Macet 53.448.281.404 (7.628.572.392) 45.819.709.012 Loss
Jumlah - bersih 8.064.122.682.911 (134.468.859.962) 7.929.653.822.949 Total - net
-
e. Kredit bermasalah berdasarkan sektor ekonomi dan e. Nonperforming loans by economic sector and
kolektibilitas collectiblity
2023
Kurang lancar/ Diragukan/ Macet/ Jumlah/
Sub-standard Doubtful Loss Total
Transportasi, pergudangan Transportation, warehousing
dan komunikasi - - 92.156.812.777 92.156.812.777 and communication
Perdagangan besar
dan eceran 6.067.986.238 3.489.336.229 76.075.590.174 85.632.912.641 Wholesale and retail trading
Industri pengolahan - - 51.580.359.940 51.580.359.940 Manufacturing
Rumah tangga 21.359.520.050 16.085.125.046 8.473.781.002 45.918.426.098 Households
Peyediaan akomodasi
dan penyediaan Accommodation and
makan minum - 14.715.627.199 - 14.715.627.199 food and baverages
Jasa kemasyarakatan, Services in social,
sosial budaya, hiburan dan art culture, recreation and
perorangan lainnya - - 11.494.000.000 11.494.000.000 other individual services
Konstruksi - - 11.478.297.814 11.478.297.814 Construction
Real estate, Real estate,
usaha persewaan dan leasing services and
jasa perusahaan - - 2.437.549.404 2.437.549.404 servicing companies
Jumlah 27.427.506.288 34.290.088.474 253.696.391.111 315.413.985.873 Total
Penyisihan kerugian Allowance for
penurunan nilai (25.108.778.201) (25.077.046.055) (74.422.498.029) (124.608.322.285) impairment losses
Jumlah - bersih 2.318.728.087 9.213.042.419 179.273.893.082 190.805.663.588 Total - net
- - - -
51
Page 451
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
e. Kredit bermasalah berdasarkan sektor ekonomi dan e. Nonperforming loans by economic sector and
kolektibilitas (lanjutan) collectiblity (continued)
2022
Kurang lancar/ Diragukan/ Macet/ Jumlah/
Sub-standard Doubtful Loss Total
Perdagangan besar
dan eceran 1.708.566.867 - 67.761.806.087 69.470.372.954 Wholesale and retail trading
Industri pengolahan - 13.149.908.945 50.944.384.434 64.094.293.379 Manufacturing
Real estate, Real estate,
usaha persewaan dan leasing services and
jasa perusahaan - 12.043.368.837 4.967.107.651 17.010.476.488 servicing companies
Konstruksi - 23.158.691.650 6.991.728.031 30.150.419.681 Construction
Rumah tangga 6.162.555.125 7.036.479.110 7.963.790.585 21.162.824.820 Households
Jasa kemasyarakatan, Services in social,
sosial budaya, hiburan dan art culture, recreation and
perorangan lainnya - - 13.245.831.167 13.245.831.167 other individual services
Jumlah 7.871.121.992 55.388.448.542 151.874.647.955 215.134.218.489 Total
Penyisihan kerugian Allowance for
penurunan nilai (6.750.086.879) (11.309.436.702) (35.513.237.418) (53.572.760.999) impairment losses
Jumlah - bersih 1.121.035.113 44.079.011.840 116.361.410.537 161.561.457.490 Total - net
- - - -
f. Berdasarkan jangka waktu pinjaman f. By term of loans
Jangka waktu pinjaman diklasifikasikan berdasarkan Classification of loans according to term of loan
periode kredit sebagaimana yang tercantum dalam agreements and remaining periods from statements of
perjanjian kredit dan waktu yang tersisa sampai dengan financial position date to maturity dates are as follows:
saat jatuh temponya adalah sebagai berikut:
Berdasarkan jangka waktu: By maturity:
2023 2022
Kurang dari atau sama dengan 1 tahun 2.493.014.603.579 2.006.662.111.235 1 year or less
Lebih dari 1 tahun sampai 2 tahun 383.136.732.851 480.999.332.338 More than 1 year to 2 years
Lebih dari 2 tahun sampai 5 tahun 3.889.963.174.053 3.689.607.221.481 More than 2 years to 5 years
Lebih dari 5 tahun 1.761.766.772.957 1.886.854.017.857 More than 5 years
Jumlah 8.527.881.283.440 8.064.122.682.911 Total
Penyisihan kerugian penurunan nilai (217.320.846.582) (134.468.859.962) Allowance for impairment losses
Jumlah - bersih 8.310.560.436.858 7.929.653.822.949 Total - net
- -
Berdasarkan sisa umur jatuh tempo: By remaining period to maturity:
2023 2022
Kurang dari atau sama dengan 1 tahun 2.801.311.610.660 2.341.664.105.013 1 year or less
Lebih dari 1 tahun sampai 2 tahun 1.353.556.986.191 423.930.148.422 More than 1 year to 2 years
Lebih dari 2 tahun sampai 5 tahun 2.795.628.711.770 3.619.591.430.110 More than 2 years to 5 years
Lebih dari 5 tahun 1.577.383.974.819 1.678.936.999.366 More than 5 years
Jumlah 8.527.881.283.440 8.064.122.682.911 Total
Penyisihan kerugian penurunan nilai (217.320.846.582) (134.468.859.962) Allowance for impairment losses
Jumlah - bersih 8.310.560.436.858 7.929.653.822.949 Total - net
- -
52
Page 452
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
g. Berdasarkan stage g. By stage
Perubahan jumlah pinjaman yang diberikan berdasarkan The movement of loans based on stages for the year
stage untuk tahun yang berakhir 31 Desember 2023 dan ended December 31, 2023 and 2022 was as follows:
2022 adalah sebagai berikut:
2023
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 7.707.654.547.914 68.447.292.791 288.020.842.206 8.064.122.682.911 Beginning balance
Transfer ke kerugian Transfer to
kredit ekspektasian lifetime expected
sepanjang umurnya credit losses
(Stage 2) (100.401.962.575) (154.811.250) 100.556.773.825 - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (75.788.307.360) (15.327.661.212) 91.115.968.572 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 3.379.565.897 (3.379.565.897) - - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali 547.824.605.945 172.370.406.091 (70.904.633.359) 649.290.378.677 remeasurement
Penghapusbukuan - - (185.531.778.148) (185.531.778.148) Write-offs
Saldo akhir 8.082.668.449.821 221.955.660.523 223.257.173.096 8.527.881.283.440 Ending balance
-
2022
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 5.168.955.706.867 159.887.356.390 190.345.046.132 5.519.188.109.389 Beginning balance
Transfer ke kerugian Transfer to
kredit ekspektasian lifetime expected
sepanjang umurnya credit losses
(Stage 2) (51.764.121.739) 51.764.121.739 - - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (129.419.214.751) (47.586.764.891) 177.005.979.642 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 37.744.919.511 (37.714.294.511) (30.625.000) - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali 2.682.137.258.026 (57.903.125.936) 17.671.387.704 2.641.905.519.794 remeasurement
Penghapusbukuan - - (96.970.946.272) (96.970.946.272) Write-offs
Saldo akhir 7.707.654.547.914 68.447.292.791 288.020.842.206 8.064.122.682.911 Ending balance
-
h. Tingkat suku bunga rata-rata per tahun h. Average interest rate per annum
Suku bunga rata-rata tertimbang untuk tahun yang berakhir Weighted average interest rate for the years ended
pada tanggal 31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022 are as follows:
berikut:
2023 2022
Kredit yang diberikan 10,89% 9,88% Loans
53
Page 453
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
i. Perubahan penyisihan kerugian penurunan nilai i. Movements in the allowance for impairment losses
Perubahan cadangan kerugian penurunan nilai pinjaman The movement of allowance for impairment losses loans
yang diberikan untuk tahun yang berakhir 31 Desember fot the year ended December 31, 2023 and 2022 was as
2023 dan 2022 adalah sebagai berikut: follows:
2023
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 62.342.307.340 5.476.550.931 66.650.001.691 134.468.859.962 - Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Stage 2) (6.419.933.010) (24.859.898) 6.444.792.908 - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (24.162.185.537) (5.062.140.326) 29.224.325.863 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 1.309.501.075 (1.309.501.075) - - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali 50.506.775.256 41.056.009.543 176.820.979.969 268.383.764.768 remeasurement
Penghapusbukuan - - (185.531.778.148) (185.531.778.148) Write-offs
Saldo akhir 83.576.465.124 40.136.059.175 93.608.322.283 217.320.846.582 Ending balance
-
2022
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 20.051.449.894 17.294.348.384 49.406.585.380 86.752.383.658 Beginning balance
Transfer ke kerugian kredit Transfer to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Stage 2) (139.912.248) 139.912.248 - - (Stage 2)
Transfer ke kredit yang Transfer to
mengalami penurunan credit impaired
nilai (Stage 3) (2.610.825.388) (3.600.009.875) 6.210.835.263 - (Stage 3)
Transfer ke kerugian Transfer to 12 month
kredit ekspektasian expected credit
12 bulan (Stage 1) 7.877.697.122 (7.847.072.122) (30.625.000) - losses (Stage 1)
Perubahan bersih pada Net change in
eksposur dan exposure and
pengukuran kembali 37.163.897.960 (510.627.704) 108.034.152.320 144.687.422.576 remeasurement
Penghapusbukuan - - (96.970.946.272) (96.970.946.272) Write-offs
Saldo akhir 62.342.307.340 5.476.550.931 66.650.001.691 134.468.859.962 Ending balance
-
Manajemen berpendapat bahwa jumlah penyisihan Management believes that the allowance for impairment
kerugian penurunan nilai yang dibentuk telah memadai losses is adequate to cover the possible losses of
untuk menutup kemungkinan terjadinya kerugian atas tidak uncollectible loans.
tertagihnya kredit yang diberikan.
j. Perubahan pinjaman yang dihapusbuku j. Movements in loans write-off
Pada tanggal 31 Desember 2023 dan 2022, perubahan As of December 31, 2023 and 2022, the movements in
pinjaman yang dihapusbuku adalah sebagai berikut: loans write-off are as follows:
2023 2022
Saldo awal 227.782.145.358 132.077.563.517 Beginning balance
Penerimaan kembali pinjaman
yang telah dihapusbuku (6.042.695.164) (1.266.364.431) Recoveries from write-off
Penghapusbukuan pinjaman
selama tahun berjalan 185.531.778.148 96.970.946.272 Write-off during the year
Saldo akhir 407.271.228.342 227.782.145.358 Ending balance
- -
54
Page 454
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
k. Agunan pinjaman k. Collateral loans
Pinjaman yang diberikan pada umumnya dijamin dengan Loans are generally secured by collateral in the form of
agunan berupa tanah dan bangunan yang diikat dengan land and building under encumbrance or power of attorney
hak tanggungan atau surat kuasa untuk menjual, deposito to sell, time deposits or other collateral acceptable to the
berjangka atau jaminan lain yang dapat diterima oleh Bank. Bank.
l. Kredit sindikasi l. Syndicated loans
Kredit sindikasi pada tanggal 31 Desember 2023 dan 2022 Syndicated loans as of December 31, 2023 and 2022
masing-masing sebesar Rp207.537.404.560 dan amounted to Rp207,537,404,560 and Rp236,575,913,928,
Rp236.575.913.928. respectively.
Partisipasi Bank sebagai anggota dalam kredit sindikasi The Bank participation in syndicated loans amounted to
tersebut masing-masing sebesar 1,31% pada tanggal 31 1.31% as of December 31, 2023 and 2022, respectively.
Desember 2023 dan 2022.
m. Pinjaman karyawan m. Employee loans
Pinjaman yang diberikan kepada karyawan Bank terdiri dari The loans to the Bank's employees consist of loan which
pinjaman yang ditujukan untuk pembelian kendaraan, are intended for acquisitions of vehicles, houses and other
rumah dan keperluan lainnya dan dilunasi melalui personal purposes and are repayable through monthly
pemotongan gaji setiap bulan selama jangka waktu dan payroll deduction within term and interest rates as follows:
suku bunga berikut:
2023 2022
Jangka waktu 12-180 bulan/months 12-180 bulan/months Term of loans
Suku bunga 1,00% - 5,00% 1,00% - 5,00% Interest rates
n. Kredit kepada pihak berelasi n. Loans to related parties
Kredit yang diberikan kepada pihak berelasi selain The loans to related parties other than employee loans for
karyawan untuk tahun yang berakhir pada tanggal 31 the years ended December 31, 2023 and 2022 amounted
Desember 2023 dan 2022 masing-masing sebesar Rp80,614,089,822 and Rp72,694,016,623, respectively.
Rp80.614.089.822 dan Rp72.694.016.623.
o. Kredit yang direstrukturisasi o. Restructured loans
Kredit yang direstrukturisasi pada tanggal 31 Desember Restructured loans as of December 31, 2023 and 2022
2023 dan 2022 masing-masing sebesar amounted to Rp869,442,302,870 and
Rp869.442.302.870 dan Rp1.038.682.437.737. Rp1,038,682,437,737, respectively.
Kolektibilitas kredit yang restrukturisasi untuk tahun yang Collectibility of the loans were restructured for the years
berakhir pada tanggal 31 Desember 2023 dan 2022 adalah ended December 31, 2023 and 2022 were as follows:
sebagai berikut:
2023 2022
Lancar 517.608.727.514 729.008.892.326 Current
Dalam perhatian khusus 231.487.681.300 185.684.445.969 Special mention
Kurang lancar 2.488.546.973 1.786.993.572 Sub-standard
Diragukan 15.731.556.761 48.351.969.432 Doubtful
Macet 102.125.790.322 73.850.136.438 Loss
Jumlah 869.442.302.870 1.038.682.437.737 Total
2023 2022
Perpanjangan jangka waktu kredit 862.287.513.646 1.025.247.256.103 Extension of loan maturity dates
Perpanjangan jangka waktu, Extension of loan maturity dates,
penurunan suku bunga kredit dan reduction of interest rates and
program restrukturisasi lain-lain *) 7.154.789.224 13.435.181.634 other restructuring programs *)
Jumlah 869.442.302.870 1.038.682.437.737 Total
- -
*) Program restrukturisasi lain-lain terutama terdiri dari *) Other restructuring scheme mainly includes change of
perubahan fasilitas kredit. loan facilities.
55
Page 455
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
o. Kredit yang direstrukturisasi (lanjutan) o. Restructured loans (continued)
Bank telah melakukan restrukturisasi kredit untuk debitur Bank has restructured credit for debtors affected by the
yang terdampak pandemi Covid-19 sesuai dengan POJK Covid-19 pandemic in accordance with POJK
No.11/POJK.03/2020, “Stimulus Perekonomian Nasional No.11/POJK.03/2020, “National Economic Stimulus as
sebagai Kebijakan Countercyclical Dampak Penyebaran Countercyclical Policy Impact of Coronavirus Disease
Coronavirus Disease 2019” tanggal 13 Maret 2020 spread 2019 dated March 13, 2020 which have been
sebagaimana diubah terakhir dengan POJK amended with POJK No.17/POJK.03/2021 dated
No.17/POJK.03/2021 tanggal 10 September 2021. September 10, 2021.
Sehubungan dengan kepatuhan terhadap Otoritas Jasa In compliance with Financial Service Authority (OJK), the
Keuangan (OJK), Bank menerapkan Peraturan OJK Bank implements OJK Regulation No.40/POJK.03/2019
No.40/POJK.03/2019 tanggal 19 Desember 2019 tentang dated December 19, 2019 regarding “Assessment of
“Penilaian Kualitas Aset Bank Umum” yang kemudian Commercial Banks’ Asset Quality” which amended
diubah dengan Peraturan OJK No.48/POJK.03/2020 subsequently by OJK Regulation No.48/POJK.03/2020
tentang “Perubahan atas Peraturan Otoritas Jasa regarding “Amandement on Financial Service Authority
Keuangan No.11/POJK.03/2020 tentang Stimulus Regulation No.11/POJK.03/2020 regarding National
Perekonomian Nasional sebagai Kebijakan Countercyclical Economic Stimulus as Countercyclical Policy Impact of
dampak penyebaran Coronavirus Disease 2019” tanggal 3 Coronavirus Disease Spread 2019” dated December 3,
Desember 2020. 2020.
p. Batas Maksimum Pemberian Kredit (BMPK) p. Legal Lending Limit (LLL)
Sesuai dengan Peraturan Otoritas Jasa Keuangan No. In accordance with the Financial Services Authority
38/POJK.03/2019 tentang Batas Maksimum Pemberian Regulation No.38/POJK.03/2019 concerning the
Kredit dan Penyediaan Dana Besar Bagi Bank Umum. Maximum Limit for Loans and Provision of Large Funds
Untuk pihak terkait 10 % dari Modal Bank, 1 (satu) for Commercial Banks. For related parties 10% of the
peminjam atau 1 (satu) kelompok peminjam selain pihak Bank's Capital, 1 (one) borrower or 1 (one) group of
terkait ditetapkan paling tinggi 25% dari Modal Inti Bank. borrowers other than related parties is set at a maximum
of 25% of the Bank's Core Capital.
Untuk tahun yang berakhir pada tanggal 31 Desember For the years ended December 31, 2023 and 2022 there
2023 dan 2022 tidak terdapat pelanggaran maupun were no violations for the provisions of Lending Limit (LLL)
pelampauan terhadap ketentuan Batas Maksimum either for third parties or related parties.
Pemberian Kredit (BMPK) baik pihak ketiga maupun pihak
berelasi.
q. Rasio pinjaman bermasalah terhadap jumlah pinjaman q. The ratio of non performing loans to total loans
yang diberikan
Untuk tahun yang berakhir pada tanggal 31 Desember For the years ended December 31, 2023 and 2022, the
2023 dan 2022, persentase pinjaman bermasalah bruto percentage of non-performing loans gross and net to total
dan bersih terhadap jumlah pinjaman yang diberikan adalah loans is as follows:
sebagai berikut:
2023 2022
Rasio NPL - bruto 3,70% 2,67% NPL ratio - gross
Rasio NPL - bruto *) 3,80% 2,75% NPL ratio - gross *)
Rasio NPL - bersih 2,24% 2,00% NPL ratio - net
Rasio NPL - bersih *) 2,30% 2,06% NPL ratio - net *)
*) Tidak termasuk pinjaman yang diberikan kepada Bank *) Not included loans to rural bank
Perkreditan Rakyat (BPR)
r. Informasi pokok lainnya sehubungan dengan kredit r. Other information related to loans
yang diberikan
Kredit modal kerja dan investasi diberikan kepada debitur Working capital and investment loans to customers for
untuk memenuhi kebutuhan modal kerja dan barang- working capital requirements and capital goods.
barang modalnya. Kredit konsumsi terdiri dari kredit Consumer loans consist of mortgages and vehicle loans.
pemilikan rumah dan kredit kendaraan bermotor.
56
Page 456
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
9. PINJAMAN YANG DIBERIKAN (lanjutan) 9. LOANS (continued)
r. Informasi pokok lainnya sehubungan dengan kredit r. Other information related to loans (continued)
yang diberikan (lanjutan)
Jumlah minimum cadangan kerugian penurunan nilai The minimum amount of reserves for impairment losses
pinjaman yang diberikan yang wajib dibentuk sesuai on loans that should be in accordance with Financial
dengan ketentuan Otoritas Jasa Keuangan dan yang telah Services Authority and which has been established in
dibentuk sesuai dengan Standar Akuntansi Keuangan accordance with Financial Accounting Standards for the
untuk tahun yang berakhir pada 31 Desember 2023 dan years ended December 31, 2023 and 2022 were as
2022 adalah sebagai berikut: follows:
2023 2022
Penyisihan penghapusan aset produktif 120.254.925.811 133.763.353.070 Allowance for possible losses on earning assets
Penyisihan kerugian penurunan nilai 217.320.846.582 134.468.859.962 Allowance for impairment losses
Persentase pemenuhan 180,72% 100,53% Percentage of compliance
Manajemen risiko yang dijalankan oleh Bank antara lain Risk management is run by the Bank in the following
dengan cara sebagai berikut: ways:
- Menerapkan prinsip diversifikasi sektor usaha/industri - Applying the principle of diversification of the
yang dibiayai dan menentukan dari waktu ke waktu business sector/industry funded and determine from
sektor usaha/industri yang perlu dihindari. time to time business sectors/industries that need to
be avoided.
- Dalam upaya menerapkan Good Corporate - In order to implement good corporate governance
Governance dan sistem pemberian kredit yang sehat and system of sound credit (Prudent), before granting
(Prudent), sebelum pemberian suatu kredit, maka a loan, the Bank officers are required to conduct
petugas Bank wajib untuk melakukan kunjungan usaha business, and interviews with decision makers (key
dan wawancara dengan pengambil keputusan (key person) of the company prospective customers,
person) dari perusahaan/calon debitur yang akan which are financed, and requires adequate financial
dibiayai, dan mengharuskan adanya informasi information.
keuangan yang memadai.
- Melakukan pemantauan atas perusahaan/calon debitur - To monitor the company/prospective borrowers who
yang dibiayai dan secara periodik melakukan financed and periodically visits effort to obtain
kunjungan usaha guna memperoleh informasi secara information that might be encountered early
dini kesulitan yang mungkin dihadapi debitur, sehingga difficulties of the debtor, so it can be anticipated early
dapat diantisipasi langkah-langkah awal dan tepat and appropriate steps to save the position of the
dalam menyelamatkan posisi Bank. Bank.
--- Sheet "AT, ATB, & AHG" (Catatan 10, 11 & 12)
57
Page 457
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. ASET TETAP 10. FIXED ASSETS
2023
Efek revaluasi/
1 Januari/ Penambahan/ Pengurangan/ Revaluation Reklasifikasi/ 31 Desember/
January 1 Additions Deductions effect Reclassification December 31
Nilai perolehan Cost
Tanah 79.068.500.000 - - 615.900.000 - 79.684.400.000 Lands
Bangunan 28.227.801.995 - - 6.754.760.659 221.000.000 35.203.562.654 Buildings
Inventaris kantor 15.341.552.144 931.658.123 43.575.429 1.907.353.050 214.801.050 18.351.788.938 Office inventory
Peralatan kantor 53.634.633.994 3.413.429.796 86.141.776 (6.277.449.000) 16.579.166.893 67.263.639.907 Office equipment
Kendaraan 1.312.169.055 18.325.000 216.542.378 340.582.882 - 1.454.534.559 Vehicles
Aset dalam Assets under
penyelesaian 282.340.750 19.401.586.841 - - (17.014.967.943) 2.668.959.648 construction
Jumlah 177.866.997.938 23.764.999.760 346.259.583 3.341.147.591 - 204.626.885.706 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 9.952.566.093 1.532.262.856 - - - 11.484.828.949 Buildings
Inventaris kantor 11.838.562.917 1.688.858.164 43.575.424 - - 13.483.845.657 Office inventory
Peralatan kantor 40.820.760.499 7.114.088.092 86.141.765 - - 47.848.706.826 Office equipment
Kendaraan 1.174.037.596 91.829.991 178.684.040 - - 1.087.183.547 Vehicles
Jumlah 63.785.927.105 10.427.039.103 308.401.229 - - 73.904.564.979 Total
Nilai buku 114.081.070.833 130.722.320.727 Book value
2022
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ 31 Desember/
January 1 Additions Deductions Reclassification December 31
Nilai perolehan Cost
Tanah 79.068.500.000 - - - 79.068.500.000 Land
Bangunan 28.179.801.995 48.000.000 - - 28.227.801.995 Buildings
Inventaris kantor 14.916.323.381 592.482.340 167.253.577 - 15.341.552.144 Office inventory
Peralatan kantor 52.513.064.977 2.302.607.251 1.181.038.234 - 53.634.633.994 Office equipment
Kendaraan 1.322.669.404 - 10.500.349 - 1.312.169.055 Vehicles
Aset dalam Assets under
penyelesaian - 282.340.750 - - 282.340.750 construction
Jumlah 176.000.359.757 3.225.430.341 1.358.792.160 - 177.866.997.938 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 8.605.044.626 1.347.521.467 - - 9.952.566.093 Buildings
Inventaris kantor 10.461.846.766 1.530.731.978 154.015.827 - 11.838.562.917 Office inventory
Peralatan kantor 34.712.517.223 7.273.580.432 1.165.337.156 - 40.820.760.499 Office equipment
Kendaraan 1.096.201.831 87.058.614 9.222.849 - 1.174.037.596 Vehicles
Jumlah 54.875.610.446 10.238.892.491 1.328.575.832 - 63.785.927.105 Total
Nilai buku 121.124.749.311 114.081.070.833 Book value
Rincian pengurangan aset tetap pada tanggal 31 Desember 2023 The details of the deductions of fixed assets as of December 31,
dan 2022 adalah sebagai berikut: 2023 and 2022 are as follows:
2023 2022
Penjualan aset tetap Fixed assets disposal
Harga jual 82.200.000 20.100.000 Proceeds
Nilai perolehan 233.437.512 381.592.042 Cost
Akumulasi penyusutan 195.579.171 370.047.732 Accumulated depreciation
Nilai buku 37.858.341 11.544.310 Book value
Laba penjualan aset tetap 44.341.659 8.555.690 Gain on sale of fixed assets
- -
Penghapusan aset tetap Fixed assets write-off
Nilai perolehan 112.822.071 977.200.118 Cost
Akumulasi penyusutan 112.822.058 958.528.100 Accumulated depreciation
Rugi penghapusan aset tetap 13 18.672.018 Loss on fixed assets write-off
- -
58
Page 458
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. ASET TETAP (lanjutan) 10. FIXED ASSETS (continued)
Rincian aset tetap dalam penyelesaian pada tanggal 31 Desember The details of fixed assets in progress as of December 31, 2023
2023 dan 2022 adalah sebagai berikut: and 2022 are as follows:
Persentase Akumulasi
penyelesaian/ biaya/
Percentage of Accumulated Estimasi penyelesaian/
Periode completion cost Estimated completion Period
31 Desember 2023 December 31, 2023
Pengadaan Projek LED 80% 2.131.200.000 Februari/February 2024 LED Truck Project
Genset 45KVA Divisi Retail 95% 249.811.050 Februari/February 2024 Retail Payroll Loan Bulk
Renovasi Ruang Training Lt 3 95% 287.948.598 Maret/March 2024 Training Room Renovation 3rd Floor
31 Desember 2022 December 31, 2022
Pemasangan Karpet Lantai 1 80% 171.840.750 Februari/February 2023 Carpet Installation on 1st Floor
Remodeling OK Bank di lantai 1 50% 110.500.000 Juni/June 2023 Remodeling OK bank on 1st Floor
Pada bulan Agustus 2023, dilakukan kembali revaluasi aset tetap In August 2023, a revaluation of fixed assets was carried out by
yang dilakukan oleh pihak penilai independen KJPP Herman independent appraisers KJPP Herman Meirizki and Partners in their
Meirizki dan Rekan dalam laporannya No.00687/2.0120- report No.00687/2.0120-00/PI/07/0347/1/X/2023 dated October 24,
00/PI/07/0347/1/X/2023 tanggal 24 Oktober 2023. Penilaian kembali 2023. The fixed assets revaluation is not made for taxation
aset tetap tersebut tidak ditujukan untuk keperluan perpajakan, purposes, and accordingly there is no tax payable on this fixed
sehingga tidak ada pajak yang terhutang atas revaluasi aset tetap assets revaluation. The difference between the revalued amount
tersebut. Selisih antara nilai buku bersih dengan nilai aset setelah and the net book value amounting to Rp3,341,147,591 was
penilaian kembali sebesar Rp3.341.147.591 diakui sebagai recognized as addition to the carrying value of fixed assets and
penambahan nilai buku aset tetap dan diakui dalam penghasilan charged to other comprehensive income.
komprehensif lainnya.
Untuk pengadaan aset tetap setelah tanggal revaluasi For acquisitions of fixed assets after the date of revaluation the
menggunakan harga perolehan. Jumlah pengadaan untuk tahun acquisition cost is used. Total additions for the years ended
yang berakhir pada 31 Desember 2023 dan 2022 setelah revaluasi December 31, 2023 and 2022 after the revaluation amounting to
masing-masing sebesar Rp881.821.429 dan Rp3.225.430.341. Rp881,821,429 and Rp3,225,430,341, respectively.
Jumlah penyusutan aset tetap yang dibebankan pada laporan laba The amount of depreciation of fixed assets charged to the
rugi dan penghasilan komprehensif lain masing-masing sebesar statements of profit or loss and other comprehensive income
Rp10.427.039.103 dan Rp10.238.892.491 untuk tahun yang amounting to Rp10,427,039,103 and Rp10,238,892,491 for the
berakhir pada 31 Desember 2023 dan 2022. years ended December 31, 2023 and 2022, respectively.
Aset tetap, kecuali tanah, diasuransikan terhadap kebakaran, Fixed assets, except land, are insured against fire, earthquake,
gempa bumi, banjir dan risiko lainnya kepada PT Great Eastern flood and other risk by PT Great Eastern General Insurance
General Insurance Indonesia, PT Zurich Asuransi Indonesia dan PT Indonesia, PT Zurich Asuransi Indonesia, and PT Asuransi Buana
Asuransi Buana Independent, yang bukan merupakan pihak Independen, which is not a related party to the Bank, with a total
berelasi dengan Bank, dengan jumlah pertanggungan pada tanggal coverage of Rp105,843,982,554 and Rp84,155,621,491 as of
31 Desember 2023 dan 2022 adalah sebesar Rp105.843.982.554 December 31 , 2023 and 2022, respectively. Management believes
dan Rp84.155.621.491. Manajemen berpendapat bahwa nilai that the insurance coverage is adequate to cover possible losses.
pertanggungan tersebut telah memadai untuk menutup
kemungkinan kerugian.
Nilai tercatat aset tetap jika menggunakan metode biaya perolehan The carrying value of the fixed assets when using the cost model as
pada tanggal 31 Desember 2023 dan 2022 adalah sebagai berikut: of December 31, 2023 and 2022 were as follows:
2023 2022
Tanah 3.427.000.000 3.427.000.000 Land
Bangunan 11.738.148.107 11.517.148.107 Buildings
Inventaris kantor 13.835.648.544 12.732.764.800 Office inventory
Peralatan kantor 62.416.561.407 42.510.106.494 Office equipment
Kendaraan 1.103.220.958 1.301.438.336 Vehicles
Jumlah 92.520.579.016 71.488.457.737 Total
Jumlah nilai tercatat bruto dari setiap aset tetap yang telah The gross carrying amounts of each fixed assets which are fully
disusutkan penuh dan masih digunakan sebelum revaluasi oleh depreciated and are still used before revaluation by the Bank are as
Bank adalah sebagai berikut: follows :
2023 2022
Inventaris kantor 7.912.670.922 6.701.887.364 Office inventory
Peralatan kantor 24.854.546.254 17.771.547.418 Office equipment
Jumlah 32.767.217.176 24.473.434.782 Total
59
Page 459
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. ASET TAKBERWUJUD 11. INTANGIBLE ASSETS
2023
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ 31 Desember/
January 1 Additions Deductions Reclassification December 31
Nilai perolehan Cost
Perangkat lunak 169.186.466.805 474.655.000 - 5.080.155.000 174.741.276.805 Software
Aset dalam Assets under
penyelesaian 1.079.452.800 4.671.798.300 - (5.080.155.000) 671.096.100 construction
Jumlah 170.265.919.605 5.146.453.300 - - 175.412.372.905 Total
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 138.749.455.281 11.837.689.343 - - 150.587.144.624 Software
Jumlah 138.749.455.281 11.837.689.343 - - 150.587.144.624 Total
Nilai buku 31.516.464.324 24.825.228.281 Book value
2022
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ 31 Desember/
January 1 Additions Deductions Reclassification December 31
Nilai perolehan Cost
Perangkat lunak 154.312.715.225 1.960.210.580 - 12.913.541.000 169.186.466.805 Software
Aset dalam Assets under
penyelesaian 1.302.532.500 12.690.461.300 - (12.913.541.000) 1.079.452.800 construction
Jumlah 155.615.247.725 14.650.671.880 - - 170.265.919.605 Total
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 114.955.439.091 23.794.016.190 - - 138.749.455.281 Software
Jumlah 114.955.439.091 23.794.016.190 - - 138.749.455.281 Total
Nilai buku 40.659.808.634 31.516.464.324 Book value
Rincian aset takberwujud dalam penyelesaian pada tanggal 31 The details of intangible assets in progress as of December 31,
Desember 2023 dan 2022 adalah sebagai berikut: 2023 and 2022 are as follows:
Persentase Akumulasi
penyelesaian/ biaya/
Percentage of Accumulated Estimasi penyelesaian/
Periode completion cost Estimated completion Period
31 Desember 2023 December 31, 2023
Payment Jasa BI FAST Setup Fee 30% 77.700.000 April/April 2024 Payment BI FAST Setup Fee
Retail Payroll Loan Bulk Retail Payroll Loan Bulk
Transfer INOAN System 90% 294.105.600 Maret/March 2024 Transfer Inoan System
Journal Upload PSAK73 Journal Upload PSAK73
Features in INOAN System 30% 58.941.000 Maret/March 2024 Features in INOAN System
Income Recovery Feature Income Recovery Feature
Development in INOAN System 30% 53.613.000 Maret/March 2024 Development in INOAN System
Retail Payroll Loan Development Retail Payroll Loan Development
Phase 2-PT Nex 30% 96.736.500 Maret/March 2024 Phase 2-PT Nex
Development Aplikasi Slik Development Application Slik
SCV-PT Gisbel Valida 30% 90.000.000 Maret/March 2024 SCV-PT Gisbel Valida
671.096.100
31 Desember 2022 December 31, 2022
BI FAST Develop Agreement Payment Channel and
INOAN System 30% 978.354.000 April/April 2023 and Development
Retail Payroll Loan Bulk Collection System and Loan Origination
Transfer INOAN System 30% 101.098.800 Maret/March 2024 System Development and Implementation
1.079.452.800
Manajemen berpendapat tidak terdapat indikasi penurunan nilai Management believes that there is no indication of permanent
atas aset takberwujud yang dimiliki oleh Bank. impairment in the value of intangible assets of the Bank.
60
Page 460
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
12. ASET HAK GUNA 12. RIGHT OF USE ASSETS
Berikut adalah rincian transaksi sewa Bank sampai dengan 31 Following are the details of the Bank's lease transactions as of
Desember 2023 dan 2022. December 31, 2023 and 2022.
2023
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Addition Deduction Ending balance
Nilai perolehan Cost
Bangunan 22.046.482.973 18.159.124.690 4.611.154.161 35.594.453.502 Buildings
Peralatan kantor 1.159.123.275 - - 1.159.123.275 Office equipment
Kendaraan 9.073.463.688 1.509.948.016 756.551.570 9.826.860.134 Vehicles
Lainnya 5.368.528.476 2.223.514.541 - 7.592.043.017 Others
Jumlah 37.647.598.412 21.892.587.247 5.367.705.731 54.172.479.928 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 14.496.859.237 9.368.504.273 4.611.154.161 19.254.209.349 Buildings
Peralatan kantor 665.488.457 236.273.458 - 901.761.915 Office equipment
Kendaraan 2.843.910.924 2.775.943.789 650.890.379 4.968.964.334 Vehicles
Lainnya 4.249.603.249 2.198.573.877 - 6.448.177.126 Others
Jumlah 22.255.861.867 14.579.295.397 5.262.044.540 31.573.112.724 Total
Nilai buku 15.391.736.545 22.599.367.204 Book value
2022
Saldo awal/
Beginning Penambahan/ Pengurangan/ Saldo akhir/
balance Addition Deduction Ending balance
Nilai perolehan Cost
Bangunan 18.010.480.011 7.392.512.895 3.356.509.933 22.046.482.973 Buildings
Peralatan kantor 1.152.448.637 6.674.638 - 1.159.123.275 Office equipment
Kendaraan 6.183.215.596 5.252.607.081 2.362.358.989 9.073.463.688 Vehicles
Lainnya 5.354.110.575 14.417.901 - 5.368.528.476 Others
Jumlah 30.700.254.819 12.666.212.515 5.718.868.922 37.647.598.412 Total
Akumulasi penyusutan Accumulated depreciation
Bangunan 10.383.616.261 7.469.752.909 3.356.509.933 14.496.859.237 Buildings
Peralatan kantor 429.805.865 235.682.592 - 665.488.457 Office equipment
Kendaraan 2.779.457.021 2.426.812.892 2.362.358.989 2.843.910.924 Vehicles
Lainnya 2.689.699.405 1.559.903.844 - 4.249.603.249 Others
Jumlah 16.282.578.552 11.692.152.237 5.718.868.922 22.255.861.867 Total
Nilai buku 14.417.676.267 15.391.736.545 Book value
Pada 31 Desember 2023, Bank melakukan hapus buku sewa On December 31, 2023, Bank write off right of use asset with book
dengan nilai buku sebesar Rp105.661.191 dan liabilitas sewa value amounting Rp105,661,191 and a lease liability of
sebesar Rp114.207.529, sehingga terdapat pendapatan hapus buku Rp114,207,529, so there was a write-off income amounting
sebesar Rp8.546.338. Rp8,546,338.
Kontrak sewa mengandung opsi perpanjangan yang dapat diambil The lease contract contains an extension option that can be taken
oleh Bank sebelum masa berakhirnya kontrak. Bank melakukan by the Bank before the expiration of the contract. The Bank modified
modifikasi perhitungan aset hak guna dan liabilitas sewa ketika the calculation of right of use assets and lease liabilities when the
kontrak dimodifikasi. contract was modified.
61
Page 461
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
13. ASET LAIN-LAIN 13. OTHER ASSETS
2023 2022
Piutang bunga 69.269.191.635 58.047.265.689 Interest receivables
Agunan yang diambil alih 75.617.948.200 94.193.862.887 Foreclosed assets
Penyisihan kerugian penurunan nilai (9.902.020.027) (17.789.295.000) Allowance for impairment losses
Agunan yang diambil alih - bersih 65.715.928.173 76.404.567.887 Foreclosed assets - net
Piutang bunga kredit restrukturisasi 27.281.613.985 58.881.219.731 Interest receivables on restructured loans
Biaya dibayar di muka 5.214.415.341 12.032.380.109 Prepaid expenses
Setoran jaminan 2.903.196.899 806.860.141 Security deposits
Persediaan barang cetakan 415.880.000 268.100.000 Stationery and printed form
Tagihan lainnya 15.145.974 - Other receivables
Lain-lain 39.067.363 1.730.085.050 Others
Jumlah 170.854.439.370 208.170.478.607 Total
Agunan yang diambil alih Foreclosed assets
Sesuai surat Bank Indonesia No.13/658/DPNP/IDPnP tanggal In reference to the letter of Bank Indonesia
23 Desember 2011 terkait dengan diterbitkannya SE BI No.13/658/DPNP/IDPnP dated December 23, 2011 related to
No.13/30/DPNP tanggal 16 Desember 2011, Bank tidak the issuance of Circular Letter No.13/30/DPNP dated
diwajibkan lagi membentuk Cadangan Penghapusan Aset (PPA) December 16, 2011, the Bank is no longer obliged to make
untuk aset non produktif yang diperhitungkan dalam laporan allowance for losses on (PPA) non-productive assets in the
keuangan. Penyesuaian atas PPA untuk aset non produktif yang financial statements. Adjustments in PPA for non-earning
telah dibentuk selama ini dilakukan terhadap saldo laba. assets that has been established against retained earnings.
Agunan yang diambil alih yang diselesaikan selama tahun yang Foreclosed collaterals were completed during the year ended
berakhir pada tanggal 31 Desember 2023 dan 2022 masing- December 31, 2023 and 2022 were Rp18,575,914,687 and
masing sebesar Rp18.575.914.687 dan Rp5.127.159.956. Rp5,127,159,956, respectively. Settlement is redemption by
Penyelesaian merupakan penebusan kembali oleh debitur dan the debtor and auction results. Management believes that the
hasil lelang. Manajemen berpendapat bahwa saldo agunan yang balance of foreclosed collaterals is at their net realizable value.
diambil alih merupakan nilai bersih yang dapat direalisasi. Nilai Net realizable value on foreclosed collaterals is greater than
realisasi bersih atas agunan yang diambil alih lebih besar dari the outstanding loan balance which is not collectible. Profit or
saldo pinjaman yang tidak tertagih. Laba atau rugi sehubungan loss in connection with the takeover of collateral is recognized
dengan proses pengambil alihan agunan diakui sebagai as other operating income (expense).
pendapatan (beban) operasional lainnya.
Mutasi agunan yang diambil alih: Movement of foreclosed assets:
2023 2022
Saldo awal 94.193.862.887 99.321.022.843 Beginning balance
Penambahan - - Additions
Pengurangan (18.575.914.687) (5.127.159.956) Disposals
Saldo akhir 75.617.948.200 94.193.862.887 Ending balance
- -
Perubahan penyisihan kerugian penurunan nilai agunan yang Movement in the allowance for impairment losses of foreclosed
diambil alih: assets:
2023 2022
Saldo awal 17.789.295.000 7.357.100.000 Beginning balance
Penyisihan tahun berjalan - 11.400.000.000 Provision during the year
Penyelesaian selama tahun berjalan (7.887.274.973) (967.805.000) Settlement during the year
Saldo akhir 9.902.020.027 17.789.295.000 Ending balance
- -
Manajemen berpendapat bahwa jumlah penyisihan kerugian Management believes that the allowance for impairment losses
penurunan nilai yang dibentuk telah memadai untuk menutup is adequate to cover the possible losses of foreclosed assets.
kemungkinan terjadinya kerugian atas agunan yang diambil alih.
62
Page 462
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
13. ASET LAIN-LAIN (lanjutan) 13. OTHER ASSETS (continued)
Piutang bunga terdiri dari: Interests receivable consisted of:
2023 2022
Pinjaman yang diberikan 41.935.056.837 40.396.942.215 Loans
Penempatan pada bank lain 604.627.854 152.678.866 Placements with other banks
Efek-efek 26.729.506.944 17.497.644.608 Markertable securities
Jumlah 69.269.191.635 58.047.265.689 Total
- -
Rincian biaya dibayar dimuka terdiri dari biaya sewa dan biaya Details of prepaid expenses consist of rent expenses and
pemeliharaan gedung dan peralatan kantor. building and office furnitures maintenance expenses.
Lainnya terdiri dari premi asuransi, uang muka dan sewa Others related insurance premiums, advances and rental of IT
aplikasi. equipment.
14. LIABILITAS SEGERA 14. LIABILITIES IMMEDIATELY PAYABLE
2023 2022
Penghasilan ditangguhkan Deferred income
kredit restrukturisasi 27.281.613.985 58.881.219.731 on restructured loans
Bunga masih harus dibayar 29.425.987.928 21.132.466.660 Accrued interest expenses
Lain-lain 712.024.047 960.468.389 Others
Jumlah 57.419.625.960 80.974.154.780 Total
- -
Liabilitas segera lain-lain terdiri dari antara lain biaya notaris, Liabilities due immediately represent accrued expenses of
BPJS dan titipan lainnya. notary, social security (“BPJS”) and others.
15. SIMPANAN DARI NASABAH 15. DEPOSITS FROM CUSTOMERS
Seluruh simpanan dari nasabah dalam mata uang Rupiah. All of deposits from customer are denominated in Rupiah.
a. Berdasarkan jenis a. By type
2023 2022
Pihak berelasi Related parties
Giro 3.772.314 1.556.330.000 Current accounts
Tabungan 79.947.411.306 4.166.225.770 Savings deposits
Deposito berjangka 14.296.424.716 12.482.569.325 Time deposits
94.247.608.336 18.205.125.095
Pihak ketiga Third parties
Giro 827.980.337.265 678.896.126.068 Current accounts
Tabungan 344.913.555.771 467.806.759.031 Savings deposits
Deposito berjangka 4.779.603.097.876 4.119.503.962.324 Time deposits
Deposito on call 23.000.000.000 84.200.000.000 Deposits on call
5.975.496.990.912 5.350.406.847.423
Jumlah 6.069.744.599.248 5.368.611.972.518 Total
- -
b. Deposito berjangka berdasarkan jangka waktu b. Time deposits by term
2023 2022
1 bulan 1.596.157.709.280 1.743.533.356.017 1 month
3 bulan 1.240.829.527.578 1.493.987.716.252 3 months
6 bulan 217.447.375.138 376.938.323.441 6 months
12 bulan 1.627.815.600.496 255.783.312.900 12 months
24 bulan 111.649.310.100 261.743.823.039 24 months
Jumlah 4.793.899.522.592 4.131.986.531.649 Total
- -
63
Page 463
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
15. SIMPANAN DARI NASABAH (lanjutan) 15. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito berjangka berdasarkan sisa umur jatuh c. Time deposits by remaining period to maturity
tempo
2023 2022
Kurang dari atau sama
dengan 1 bulan 2.591.200.932.777 2.435.391.165.333 1 month or less
Lebih dari 1 - 3 bulan 569.233.048.804 1.048.158.793.091 More than 1 - 3 months
Lebih dari 3 - 6 bulan 243.757.192.095 246.586.172.309 More than 3 - 6 months
Lebih dari 6 - 12 bulan 1.308.889.936.178 140.106.577.877 More than 6 - 12 months
Lebih dari 12 - 24 bulan 80.818.412.738 261.743.823.039 More than 12 - 24 months
Jumlah 4.793.899.522.592 4.131.986.531.649 Total
- -
d. Tingkat suku bunga rata-rata per tahun d. Average interest rate per annum
2023 2022
Giro 2,14% 2,78% Current accounts
Tabungan 3,06% 3,21% Savings deposits
Deposito berjangka 5,85% 4,61% Time deposits
e. Informasi lain e. Other information
Simpanan yang diblokir dan dijadikan jaminan atas kredit Deposits blocked and pledged as loans collateral as of
yang diberikan pada tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022 were Rp567,658,331,886
adalah masing-masing sebesar Rp567.658.331.886 dan and Rp571,984,480,596, respectively.
Rp571.984.480.596.
Jumlah persentase simpanan yang diblokir terhadap jumlah The percentage of deposits that are blocked on the
simpanan untuk tahun yang berakhir pada tanggal 31 amount of deposits for the years ended December 31,
Desember 2023 dan 2022 masing-masing 9,35% dan 2022 and 2021 were 9.35% and 10.65%, respectively.
10,65%.
16. SIMPANAN DARI BANK LAIN 16. DEPOSITS FROM OTHER BANKS
Seluruh simpanan dari bank lain dalam mata uang Rupiah. All of deposits from other banks are denominated in Rupiah.
a. Berdasarkan jenis a. By type
2023 2022
Pihak ketiga Third parties
Tabungan 22.609.585.778 15.499.162.361 Savings deposits
Giro 174.027.965.738 109.669.146.606 Current accounts
Deposito berjangka 547.625.000.000 474.913.604.240 Time deposits
Jumlah 744.262.551.516 600.081.913.207 Total
- -
b. Deposito berjangka berdasarkan jangka waktu b. Time deposits by term
2023 2022
1 bulan 182.650.000.000 65.391.904.110 1 month
3 bulan 58.275.000.000 39.371.700.130 3 months
6 bulan 1.800.000.000 19.800.000.000 6 months
12 bulan 302.900.000.000 337.350.000.000 12 months
24 bulan 2.000.000.000 13.000.000.000 24 months
Jumlah 547.625.000.000 474.913.604.240 Total
- -
64
Page 464
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
16. SIMPANAN DARI BANK LAIN (lanjutan) 16. DEPOSITS FROM OTHER BANKS (continued)
c. Deposito berjangka berdasarkan sisa umur jatuh c. Time deposits by remaining period to maturity
tempo
2023 2022
Kurang dari atau sama dengan 1 bulan 217.450.000.000 82.016.904.110 1 month or less
Lebih dari 1 - 3 bulan 67.075.000.000 44.146.700.130 More than 1 - 3 months
Lebih dari 3 - 6 bulan 10.250.000.000 26.750.000.000 More than 3 - 6 months
Lebih dari 6 - 12 bulan 252.850.000.000 309.000.000.000 More than 6 - 12 months
Lebih dari 12 - 24 bulan - 13.000.000.000 More than 12 - 24 months
Jumlah 547.625.000.000 474.913.604.240 Total
- -
d. Tingkat suku bunga rata-rata per tahun d. Average interest rate per annum
2023 2022
Tabungan 2,79% 2,95% Current accounts
Giro 2,99% 2,73% Current accounts
Deposito berjangka 5,30% 3,59% Time deposits
e. Informasi lain e. Other information
Simpanan dari bank lain yang diblokir dan dijadikan Deposits from other banks blocked and pledged as loans
jaminan atas kredit yang diberikan pada tanggal 31 collateral as of December 31, 2023 and 2022 were
Desember 2023 dan 2022 adalah masing-masing sebesar Rp115,994,316,992 and Rp74,025,000,000, respectively.
Rp115.994.316.992 dan Rp74.025.000.000.
Jumlah persentase simpanan dari bank lain yang diblokir The percentage of deposits from other banks that are
terhadap jumlah simpanan dari bank lain untuk tahun yang blocked on the amount of deposits from other banks for
berakhir pada 31 Desember 2023 dan 2022 masing-masing the years ended December 31, 2023 and 2022 were
15,59% dan 12,34%. 15.59% and 12.34%, respectively.
17. PINJAMAN YANG DITERIMA 17. BORROWINGS
2023 2022
PT Bank Central Asia Tbk 500.000.000.000 300.000.000.000 PT Bank Central Asia Tbk
PT Bank Danamon Indonesia Tbk 50.000.000.000 - PT Bank Danamon Indonesia Tbk
PT Bank Permata Tbk - 200.000.000.000 PT Bank Permata Tbk
Jumlah 550.000.000.000 500.000.000.000 Total
- -
PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Bank memperoleh fasilitas pinjaman dari PT Bank Central Asia The Bank obtained a loan facility from PT Bank Central Asia
Tbk berdasarkan akta No.35 tanggal 13 Mei 2022 dari Notaris Tbk based on deed No.35 dated May 13, 2022 by Notary
Eliwaty Tjitra, S.H.. PT Bank Central Asia Tbk menyetujui Eliwaty Tjitra, S.H.. PT Bank Central Asia Tbk agrees to
memberikan fasilitas kredit Time Loan Revolving sebesar provide Time Loan Revolving credit facilities amounted
Rp100.000.000.000 dengan tujuan penggunaan untuk Rp100,000,000,000 with purpose of use for working capital
pembiayaan modal kerja. Batas waktu penarikan dan/atau financing. The time limit for withdrawing and/or using credit
Penggunaan Fasilitas Kredit ditentukan terhitung sejak tanggal facility is determined from the date of signing the credit
penandatanganan Perjanjian Kredit dan berakhir pada tanggal aggrement and ends on the same date 2 (two) months later.
yang sama 2 (dua) bulan kemudian. Tingkat suku bunga The interest rate is JIBOR plus an 1.5% margin per annum.
sebesar JIBOR ditambah marjin 1,5% per tahun. Fasilitas kredit The loan facility has been drawdown on July 13, 2022 and will
tersebut telah dicairkan pada tanggal 13 Juli 2022 dan akan mature one year after the loan agreement is signed.
jatuh tempo satu tahun setelah perjanjian kredit ditandatangani.
65
Page 465
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
17. PINJAMAN YANG DITERIMA (lanjutan) 17. BORROWINGS (continued)
PT Bank Central Asia Tbk (lanjutan) PT Bank Central Asia Tbk (continued)
Bank memperoleh fasilitas pinjaman dari PT Bank Central Asia The Bank obtained a loan facility from PT Bank Central Asia
Tbk berdasarkan akta No.88 tanggal 29 November 2022 dari Tbk based on deed No.88 dated November 29, 2022 by Notary
Notaris Eliwaty Tjitra, S.H. tentang perubahan pertama atas Eliwaty Tjitra, S.H. about the first amendment to the credit
perjanjian kredit. PT Bank Central Asia Tbk menyetujui agreement. PT Bank Central Asia Tbk agrees to provide Time
memberikan fasilitas kredit Time Loan Revolving 2 sebesar Loan Revolving credit facilities amounted Rp200,000,000,000
Rp200.000.000.000 untuk memenuhi kebutuhan likuiditas. Batas to comply liquidity requirement. The time limit for withdrawing
waktu penarikan dan/atau Penggunaan Fasilitas Kredit and/or using credit facility is determined from the date of
ditentukan terhitung sejak tanggal penandatanganan akta signing the first amendment credit aggrement and ends
perubahan pertama atas perjanjian dan berakhir tanggal 29 December 29, 2024. The interest rate is JIBOR plus an 1.5%
Desember 2024. Tingkat suku bunga sebesar JIBOR ditambah margin per annum. The loan facility has been drawdown on
marjin 1,5% per tahun. Fasilitas kredit tersebut telah dicairkan November 30, 2022 and will mature on November 29, 2024.
pada tanggal 30 November 2022 dan akan jatuh tempo pada 29
November 2024.
Berdasarkan perubahan kedua atas perjanjian kredit Based on the second amendment to the credit agreement
No.158/Add-KCK/2023 tanggal 12 Mei 2023, PT Bank Central No.158/Add-KCK/2023 dated May 12, 2023, PT Bank Central
Asia Tbk menyetujui untuk memperpanjang batas waktu Asia Tbk agreed to extend the time limit for withdrawal and/or
penarikan dan/atau penggunaan fasilitas kredit Time Loan use of the Time Loan Revolving 1 credit facility amounting to
Revolving 1 sebesar Rp100.000.000. Tingkat suku bunga Rp100,000,000. The interest rate is JIBOR plus a margin of
sebesar JIBOR ditambah marjin 1,15% per tahun. Fasilitas 1.15% per annum. The credit facility has been disbursed and
kredit tersebut telah dicairkan dan akan jatuh tempo pada 13 will mature on May 13, 2025.
Mei 2025.
Berdasarkan surat Ref. No.167/FIG/2023 tanggal 6 November Based on letter Ref. No.167/FIG/2023 dated November 6,
2023, PT Bank Central Asia Tbk menyetujui memberikan 2023, PT Bank Central Asia Tbk agreed to provide additional
tambahan fasilitas kredit Time Loan Revolving 2 menjadi Time Loan Revolving 2 credit facility amounted to
Rp400.000.000.000. Fasilitas kredit Time Loan Revolving 2 Rp400,000,000,000. Time Loan Revolving 2 credit facility
sebesar Rp200.000.000.000 harus diperpanjang sampai dengan amounting to Rp200,000,000,000 shall be extended until the
jatuh tempo pinjaman dan batas penarikan tambahan fasilitas maturity of the loan and the additional drawdown limit of the
kredit harus digunakan dalam waktu 3 bulan setelah credit facility shall be utilised within 3 months after the signing
penandatanganan fasilitas pinjaman. Tingkat suku bunga of the loan facility. The interest rate is JIBOR plus a margin of
sebesar JIBOR ditambah marjin 0,85%. Fasilitas kredit tersebut 0.85%. The credit facility has been disbursed on November 29,
telah dicairkan pada tanggal 29 November 2023 dan akan jatuh 2023 and will mature on November 29, 2025.
tempo pada 29 November 2025.
PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
Bank memperoleh fasilitas pinjaman dari PT Bank Danamon The Bank obtained a loan facility from PT Bank Danamon
Indonesia Tbk berdasarkan perjanjian kredit Indonesia Tbk based on credit agreement No.141/PK/EB/0523
No.141/PK/EB/0523 tanggal 8 Mei 2023, PT Bank Danamon dated May 8, 2023, PT Bank Danamon Indonesia Tbk agreed
Indonesia Tbk menyetujui untuk memberikan fasilitas kredit to provide a credit facility of Rp50,000,000,000. The credit
sebesar Rp50.000.000.000. Fasilitas kredit harus ditarik penuh facility must be fully drawn within 6 months after the date of
dalam waktu 6 bulan setelah tanggal perjanjian. Tingkat suku agreement. The interest rate is JIBOR plus a margin of 1.05%.
bunga sebesar JIBOR ditambah marjin 1,05%. Fasilitas kredit The credit facility has been disbursed on 25 October 2023 and
telah dicairkan pada 25 Oktober 2023 dan akan jatuh tempo will mature on May 8, 2025.
tanggal 8 Mei 2025.
PT Bank Permata Tbk PT Bank Permata Tbk
Bank memperoleh fasilitas pinjaman dari PT Bank Permata Tbk The Bank obtained a loan facility from PT Bank Permata Tbk
berdasarkan perjanjian fasilitas pinjaman antarbank based on interbank loan facility agreement
No.0002/PKS/FI/BANKS/WB/08/2022 tanggal 30 Agustus 2022. No.0002/PKS/FI/BANKS/WB/08/2022 dated August 30, 2022.
PT Bank Permata Tbk menyetujui untuk memberikan fasilitas PT Bank Permata Tbk agreed to provide a credit facility with a
kredit dengan jumlah pokok tidak melebihi Rp200.000.000.000. principal amount not exceeding Rp200,000,000,000. The credit
Fasilitas kredit harus ditarik penuh dalam waktu 6 bulan setelah facility must be fully withdrawn within 6 months after the date of
tanggal perjanjian. Tingkat suku bunga sebesar JIBOR the agreement. The interest rate is JIBOR plus a margin of
ditambah marjin 2,5% per tahun. Fasilitas kredit telah dicairkan 2.5% per annum. The loan facility has been drawdown on
pada 3 November 2022 dan akan jatuh tempo tanggal 1 November 3, 2022 and will mature on November 1, 2024.
November 2024.
66
Page 466
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. PERPAJAKAN 18. TAXATION
a. Utang pajak a. Taxes payable
2023 2022
Pajak penghasilan pasal 29 2.213.418.273 6.916.511.556 Income tax article 29
Pajak penghasilan pasal 4 (2) 4.528.725.699 4.399.724.439 Income tax article 4 (2)
Pajak penghasilan pasal 21 4.042.977.746 2.239.609.683 Income tax article 21
Pajak penghasilan pasal 25 311.195.269 557.319.430 Income tax article 25
Pajak penghasilan pasal 23 112.893.040 212.466.986 Income tax article 23
Pajak Pertambahan Nilai 10.645.442 1.855.407 Value added tax
Jumlah 11.219.855.469 14.327.487.501 Total
- -
b. Beban pajak penghasilan b. Income tax expenses
2023 2022
Kini (7.449.415.380) (8.758.067.780) Current
Tangguhan (970.754.436) 2.681.973.959 Deferred
Jumlah (8.420.169.816) (6.076.093.821) Total
- -
67
Page 467
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. PERPAJAKAN (lanjutan) 18. TAXATION (continued)
c. Pajak kini c. Current tax
Rekonsiliasi antara laba sebelum beban pajak seperti yang The reconciliation between income before tax expense, as
disajikan dalam laporan laba rugi dan penghasilan shown in the statements of profit or loss and other
komprehensif lain dan taksiran penghasilan kena pajak comprehensive income and estimated taxable income for
untuk tahun yang berakhir pada 31 Desember 2023 dan years ended December 31, 2023 and 2022 are as follows:
2022 adalah sebagai berikut:
2023 2022
Laba sebelum pajak menurut Income before tax per
laporan laba rugi 37.071.952.672 19.286.275.780 statement of profit or loss
Perbedaan temporer Temporary differences
Penyisihan kerugian Allowance for impairment
penurunan nilai aset keuangan: losses on financial assets:
- Pinjaman yang diberikan (4.653.077.839) 7.223.172.251 Loans -
- Transaksi rekening administrasi (253.820.555) 669.565.663 Transaction of administrative accounts -
Penyusutan aset hak guna (23.819.420) 8.870.615 Depreciation of right of use assets
Penyusutan aset tetap Depreciation of fixed assets
dan aset takberwujud 2.351.595.704 18.259.183.630 and intangible assets
Penyisihan HRD (2.864.469.152) (4.227.437.786) HRD allowance
Bonus karyawan (25.414.882) (2.831.169.153) Employee bonus
Liabilitas imbalan pasca kerja 1.056.485.972 102.043.917 Post-employment benefits liabilities
Jumlah perbedaan temporer (4.412.520.172) 19.204.229.137 Total temporary differences
Perbedaan tetap Permanent differences
Beban yang tidak dapat dikurangkan
untuk tujuan perpajakan: Non-deductible expenses:
Promosi - 1.289.349.433 Promotion
Kantor 9.559.159 511.011.068 Office
Pajak 4.005.411 375.176.471 Taxes
Pendidikan dan pelatihan - 40.256.478 Training and education
Kesejahteraan dan pensiun karyawan - 18.807.174 Employee welfare and retirement
Pemeliharaan dan perbaikan 168.416 3.061.960 Repair and maintenance
Sewa 10.000 168.155 Rental
Tenaga ahli 839.579.234 - Professional services
Lain-lain 382.805.880 236.146.159 Others
Penghasilan yang tidak dikenakan pajak: Non-taxable income:
Pendapatan sewa (34.581.600) (426.026.067) Rent income
Jumlah perbedaan tetap 1.201.546.500 2.047.950.831 Total permanent differences
Laba kena pajak 33.860.979.000 40.538.455.748 Taxable income
Akumulasi laba (rugi) fiskal Accumulated tax gain (loss)
Tahun 2019 - (7.013.438.415) Year 2019
Penyesuaian sehubungan dengan SKP - 6.284.381.667 Adjustment related to SKP
Jumlah akumulasi laba fiskal 33.860.979.000 39.809.399.000 Total accumulated tax gain
Beban pajak penghasilan 7.449.415.380 8.758.067.780 Income tax expense
Pajak dibayar di muka Prepaid tax
Pajak penghasilan pasal 25 5.235.997.107 1.841.556.224 Income tax article 25
Kurang bayar pajak penghasilan 2.213.418.273 6.916.511.556 Under payment income tax
Perhitungan pajak penghasilan badan untuk tahun yang The calculation of corporate income tax for the year ended
berakhir pada tanggal 31 Desember 2022 telah sesuai December 31, 2022 is in accordance with the Annual
dengan Surat Pemberitahuan Tahunan yang dilaporkan ke Corporate Income Tax Return reported to the Tax Office.
kantor pajak.
68
Page 468
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. PERPAJAKAN (lanjutan) 18. TAXATION (continued)
c. Pajak kini (lanjutan) c. Current tax (continued)
Sesuai dengan peraturan perpajakan Indonesia, Bank In compliance with Indonesian tax regulations, Bank
menghitung, menetapkan dan membayar sendiri jumlah determines and pays its tax obligations/payables based
pajak yang terhutang (self-assesment system). Direktorat on self-assessment. Directorate General of Tax may
Jenderal Pajak dapat menghitung dan mengubah assess or amend taxes within five years from the date the
kewajiban pajak dalam batas waktu lima tahun sejak tax became due.
tanggal terutangnya pajak.
Pada tanggal 29 Oktober 2021, Pemerintah mengesahkan On October 29, 2021, the Government ratified Law (UU)
Undang-Undang (UU) No.7 Tahun 2021 tentang No.7 of 2021 concerning the Harmonization of Tax
Harmonisasi Peraturan Perpajakan. Tarif pajak Regulations. The income tax rate for domestic corporate
penghasilan wajib pajak badan dalam negeri dan bentuk taxpayers and permanent establishments is 22% which
usaha tetap sebesar 22% yang mulai berlaku pada tahun will come into effect from the fiscal year 2022 onwards,
pajak 2022 dan seterusnya, serta pengurangan lebih lanjut and a further reduction of the tax rate by 3% for domestic
tarif pajak sebesar 3% untuk wajib pajak dalam negeri yang taxpayers who meet certain requirements.
memenuhi persyaratan tertentu.
d. Rekonsiliasi tarif pajak d. Tax rate reconciliation
Rekonsiliasi antara laba sebelum beban pajak seperti yang The reconciliation between income before tax expense, as
disajikan dalam laporan laba rugi dan penghasilan shown in the statements of profit or loss and other
komprehensif lain dan taksiran penghasilan kena pajak comprehensive income and estimated taxable income for
untuk tahun yang berakhir pada 31 Desember 2023 dan years ended December 31, 2023 and 2022 are as follows:
2022 adalah sebagai berikut:
2023 2022
Laba sebelum pajak menurut Income before tax per
laporan laba rugi 37.071.952.672 19.286.275.780 statement of profit or loss
Pajak dihitung pada tarif pajak tunggal (8.155.829.588) (4.242.980.672) Tax calculated at single rates
Perbedaan tetap Permanent differences
Beban yang tidak dapat dikurangkan
untuk tujuan perpajakan: Non-deductible expenses:
Promosi - (283.656.875) Promotion
Kantor (2.103.015) (112.422.435) Office
Pajak (881.190) (82.538.824) Taxes
Pendidikan dan pelatihan - (8.856.425) Training and education
Kesejahteraan dan pensiun karyawan - (4.137.578) Employee welfare and retirement
Pemeliharaan dan perbaikan (37.051) (673.631) Repair and maintenance
Sewa (2.200) (36.994) Rental
Kesehatan dan premi asuransi - - Medical and insurance premium
Tenaga ahli (184.707.431) - Professional services
Lain-lain (84.217.293) (51.952.155) Others
Penghasilan yang tidak dikenakan pajak: Non-taxable income:
Pendapatan sewa 7.607.952 93.725.735 Rent income
Jumlah (264.340.228) (450.549.182) Total
Penyesuaian sehubungan dengan SKP - (1.382.563.967) Adjustment related to SKP
Jumlah beban pajak penghasilan (8.420.169.816) (6.076.093.821) Total income tax expenses
- -
--- Sheet "DT" (Catatan 18e)
69
Page 469
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. PERPAJAKAN (lanjutan) 18. TAXATION (continued)
e. Liabilitas pajak tangguhan e. Deferred tax liabilities
Pengaruh pajak tangguhan atas beda temporer yang signifikan antara pelaporan The tax effects of significant temporary differences between commercial reporting and tax
komersial dan perpajakan adalah sebagai berikut: purposes are as follows:
Diakui pada
Diakui pada penghasilan
laporan laba komprehensif
rugi/ lain/ Recognised
31 Desember/ Recognised in in other 31 Desember/
December 31, statements of comprehensive December 31,
2022 profit or loss income 2023
Penyisihan kerugian penurunan nilai Allowance for impairment losses
- Pinjaman yang diberikan (15.634.225.262) (1.023.677.124) - (16.657.902.386) Loans -
- Transaksi rekening administratif 193.958.678 (55.840.522) - 138.118.156 Transactions of administrative accounts -
Penyusutan aset tetap dan aset takberwujud (1.214.915.991) 517.351.055 - (697.564.936) Depreciation of fixed assets and intangible assets
Liabilitas imbalan pasca kerja 3.147.723.599 232.426.914 (37.496.143) 3.342.654.370 Post-employment benefits liabilities
Penyisihan HRD 1.974.855.040 (630.183.213) - 1.344.671.827 HRD allowance
Bonus karyawan 1.149.591.274 (5.591.274) - 1.144.000.000 Employee bonus
Penyusutan aset hak guna 215.391.363 (5.240.272) - 210.151.091 Depreciation of right of assets
Liabilitas pajak tangguhan - bersih (10.167.621.299) (970.754.436) (37.496.143) (11.175.871.878) Deferred tax liabilities - net
-
70
Page 470
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. PERPAJAKAN (lanjutan) 18. TAXATION (continued)
e. Liabilitas pajak tangguhan (lanjutan) e. Deferred tax liabilities (continued)
Pengaruh pajak tangguhan atas beda temporer yang signifikan antara pelaporan The tax effects of significant temporary differences between commercial reporting and tax
komersial dan perpajakan adalah sebagai berikut: (lanjutan) purposes are as follows: (continued)
Diakui pada
Diakui pada penghasilan
laporan laba komprehensif
rugi/ lain/ Recognised
31 Desember/ Recognised in in other 31 Desember/
December 31, statements of comprehensive December 31,
2021 profit or loss income 2022
Penyisihan kerugian penurunan nilai Allowance for impairment losses
- Pinjaman yang diberikan (17.223.323.157) 1.589.097.895 - (15.634.225.262) Loans -
- Transaksi rekening administratif 46.654.232 147.304.446 - 193.958.678 Transactions of administrative accounts -
Penyusutan aset tetap dan aset takberwujud (5.231.936.390) 4.017.020.399 - (1.214.915.991) Depreciation of fixed assets and intangible assets
Liabilitas imbalan pasca kerja 3.459.574.421 22.449.662 (334.300.484) 3.147.723.599 Post-employment benefits liabilities
Penyisihan HRD 2.904.891.353 (930.036.313) - 1.974.855.040 HRD allowance
Bonus karyawan 1.772.448.488 (622.857.214) - 1.149.591.274 Employee bonus
Akumulasi rugi fiskal 1.542.956.451 (1.542.956.451) - - Accumulated tax losses
Penyusutan aset hak guna 213.439.828 1.951.535 - 215.391.363 Depreciation of right of assets
Liabilitas pajak tangguhan - bersih (12.515.294.774) 2.681.973.959 (334.300.484) (10.167.621.299) Deferred tax liabilities - net
-
71
Page 471
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
19. LIABILITAS IMBALAN PASCA KERJA 19. POST-EMPLOYMENT BENEFITS LIABILITIES
Liabilitas imbalan pasca kerja pada tanggal 31 Desember 2023 Liabilities for post-employment benefits as of December 31,
dan 2022 merupakan hasil perhitungan aktuaris independen 2023 and 2022, is based on independent actuarial calculation
dengan menggunakan metode projected-unit-credit sesuai using the projected-unit-credit as required by PSAK 24 (revised
dengan yang dipersyaratkan oleh PSAK 24 (revisi 2013) 2013) regarding Employee Benefits.
mengenai Imbalan Kerja.
Perhitungan liabilitas imbalan pasca kerja pada tanggal 31 The calculation of post-employment benefit liabilities as of
Desember 2023 dilakukan oleh aktuaris independen Kantor December 31, 2023 carried out by an independent actuary,
Konsultan Aktuaria Steven & Mourits berdasarkan laporan Kantor Konsultan Aktuaria Steven & Mourits based on based
aktuaris tertanggal 26 Januari 2024. actuarial report dated January 26, 2024.
Perhitungan liabilitas imbalan pasca kerja pada tanggal 31 The calculation of post-employment benefit liabilities as of
Desember 2022 dilakukan oleh aktuaris independen Kantor December 31, 2022 carried out by an independent actuary,
Konsultan Aktuaria Steven & Mourits berdasarkan laporan Kantor Konsultan Aktuaria Steven & Mourits based on based
aktuaris tertanggal 23 Januari 2023. actuarial report dated January 23, 2023.
Rekonsiliasi atas perubahan aset program dan estimasian The reconciliation of the movements of plan assets and
liabilitas imbalan kerja adalah sebagai berikut: liabilities employee benefits estimation are as follows:
2023 2022
Nilai kini kewajiban 15.193.883.496 14.307.834.536 Present value defined benefit obligation
Nilai wajar aset program - - Fair value plan assets
Status pendanaan 15.193.883.496 14.307.834.536 Funding status
Dampak pembatasan aset - - Effect of application of asset ceiling
Tidak didanai 15.193.883.496 14.307.834.536 Unfunded
Rekonsiliasi perubahan saldo liabilitas imbalan pasca kerja Reconciliation of changes in the post-employment benefit
untuk tahun yang berakhir 31 Desember 2023 dan 2022 adalah liabilities for the years ended December 31, 2023 dan 2022,
sebagai berikut: were as follows:
2023 2022
Saldo awal 14.307.834.536 15.725.338.277 Beginning balance
Beban jasa kini 3.174.667.599 2.824.777.569 Current service cost
Beban bunga 931.701.197 1.000.971.166 Interest cost
Pengakuan liabilitas masa kerja lalu 116.058.249 275.783.826 Recognition of past services liabilities
Pembayaran selama tahun berjalan (3.165.941.073) (3.449.010.763) Payments of benefits during the current year
Dampak atas perubahan metode atribusi - (550.477.881) Impact of changes in attribution method
Laba pengukuran kembali: Gain of remeasurements:
Perubahan asumsi pengalaman (630.008.952) (1.958.743.729) Changes in experience assumptions
Perubahan asumsi keuangan 459.571.940 439.196.071 Changes in financial assumptions
Saldo akhir 15.193.883.496 14.307.834.536 Ending balance
- -
Beban liabilitas imbalan pasca kerja yang diakui di dalam Post-employment benefit liabilities expenses recognized in
laporan laba rugi adalah sebagai berikut: statements of profit or loss are as follows:
2023 2022
Beban jasa kini 3.174.667.599 2.824.777.569 Current service cost
Beban bunga 931.701.197 1.000.971.166 Interest cost
Pengakuan liabilitas masa kerja lalu 116.058.249 275.783.826 Recognition of past services liabilities
Dampak atas perubahan metode atribusi - (550.477.881) Impact of changes in attribution method
Beban terminasi 450.273.509 1.793.186.061 Termination cost
Jumlah 4.672.700.554 5.344.240.741 Total
- -
72
Page 472
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
19. LIABILITAS IMBALAN PASCA KERJA (lanjutan) 19. POST-EMPLOYMENT BENEFITS LIABILITIES (continued)
Pengukuran kembali kerugian di penghasilan komprehensif lain Remeasurement of loss in other comprehensive income is as
adalah sebagai berikut: follows:
2023 2022
Saldo awal 4.011.624.630 5.531.172.288 Beginning balance
Perubahan asumsi pengalaman (630.008.952) (1.958.743.729) Changes in experience assumptions
Perubahan asumsi keuangan 459.571.940 439.196.071 Changes in financial assumptions
Saldo akhir 3.841.187.618 4.011.624.630 Ending balance
- -
Perhitungan aktuaria atas program pensiun dilakukan dengan The actuarial valuation of defined benefits pensionwas carried
menggunakan menggunakan metode “Projected Unit Credit” out using the "Projected Unit Credit" method and using
dan asumsi-asumsi sebagai berikut: assumptions as follows:
2023 2022
Usia pensiun normal 55 tahun/years 55 tahun/years Normal retirement age
4,00% per 4,00% per
Tingkat kenaikan gaji Salary increment rate
tahun/per year tahun/per year
6,75% per 7,25% per
Tingkat diskonto Discount rate
tahun/per year tahun/per year
Tingkat mortalita TMI 4 (2019) TMI 4 (2019) Mortality rate
Tingkat kecacatan 10% dari tingkat mortalita/10% from mortality rate Disability rate
0,05% per tahun sampai usia 40 tahun menurun 0,01% usia 55 tahun/
Tingkat pengunduran diri Resignation rate
0.05% p.a. until age 40 years then decrease to 0.01% at age 55 years
Analisis sensitivitas Sensitivity analysis
Sensitivitas dari nilai kini liabilitas imbalan kerja terhadap The sensitivity of the present value of employee benefit
perubahan asumsi aktuaria adalah sebagai berikut: liabilities to changes in the actuarial assumptions is as follow:
Nilai kini kewajiban/
Perubahan asumsi/ Present value of obligation
Change in assumptions 2023 2022
Asumsi dasar Basic assumption
+ 1% 14.096.673.000 13.460.372.000
Tingkat diskonto Discount rate
- 1% 16.437.721.000 15.262.406.000
+ 1% 16.530.795.000 15.351.411.000
Tingkat kenaikan gaji Salary increase rate
- 1% 13.998.533.000 13.368.119.000
Analisis profil jatuh tempo pembayaran program imbalan pasti Maturity profile analysis of payment defined benefit obligation
adalah sebagai berikut: are as follows:
2023 2022
< 1 tahun 1.854.828.953 2.843.850.105 < 1 year
1 - 2 tahun 647.331.663 1.739.188.943 1 - 2 years
3 - 5 tahun 5.323.507.586 5.911.385.093 3 - 5 years
6 - 10 tahun 10.024.824.250 7.330.410.043 6 - 10 years
> 10 tahun 37.026.820.725 28.473.452.986 > 10 years
20. PENDAPATAN DITERIMA DIMUKA 20. UNEARNED REVENUE
2023 2022
Sewa bangunan non kantor - 34.581.600 Non office building lease
Sewa safety deposit box - 1.715.805 Safety deposit box rental
Jumlah - 36.297.405 Total
- -
73
Page 473
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
21. LIABILITAS SEWA 21. LEASE LIABILITIES
2023 2022
Bangunan 3.074.894.717 1.083.605.655 Buildings
Kendaraan 5.334.770.249 6.481.067.521 Vehicles
Peralatan kantor 310.464.499 567.999.377 Office equipment
Lainnya 1.124.929.164 1.132.729.466 Other
Jumlah 9.845.058.629 9.265.402.019 Total
- -
Berikut ini ringkasan komponen perubahan liabilitas yang timbul The following summarizes the component of changes in the
dari sewa: liabilities arising from leases:
2023 2022
Saldo awal 9.265.402.019 10.135.771.297 Beginning balance
Arus kas (12.268.516.448) (7.909.189.787) Cash flows
Perubahan non kas - penambahan 12.848.173.058 7.038.820.509 Non cash change - additions
Saldo akhir 9.845.058.629 9.265.402.019 Ending balance
- -
22. LIABILITAS LAIN-LAIN 22. OTHER LIABILITIES
2023 2022
Penyisihan HRD 6.119.881.084 8.984.350.236 HRD allowance
Bonus karyawan 5.200.000.000 5.225.414.882 Production service bonus
Komunikasi metro ethernet 1.248.330.356 1.584.734 Metro ethernet communication
Annual fee and report 976.500.536 2.293.273.502 Annual fee and report
Beban retail loan 927.331.871 5.676.064.008 Retail loan expenses
Kerugian penurunan nilai atas Impairment losses on transactions
transaksi rekening administratif 627.809.796 881.630.351 of administrative accounts
Corporate card 450.000.000 13.000.000 Corporate card
Kalender 339.228.800 500.000.000 Calendar
Premi asuransi 325.974.640 107.203.335 Insurance premium
Jaminan safety deposit box 151.450.000 146.250.000 Collateral of safety deposit box
Lain-lain 5.437.612.298 9.450.134.212 Others
Jumlah 21.804.119.381 33.278.905.260 Total
- -
Liabilitas lain-lain ("lain-lain") terdiri dari antara lain biaya listrik, Other liabilities ("others") consist of, among others, electricity,
telepon, internet, alih daya, fixed report pefindo, perizinan telephone, internet, outsourcing, pefindo fixed report, license of
sertifikat laik fungsi, anti-virus dan lain-lain. functional certificate, anti-virus and others.
Pada tanggal 31 Desember 2023 dan 2022, perubahan As of December 31, 2023 and 2022, the movements of the
penyisihan kerugian penurunan nilai atas transaksi rekening allowance for impairment losses for transactions of
administratif adalah sebagai berikut: administrative accounts are as follows:
2023 2022
Saldo awal 881.630.351 212.064.688 Beginning balance
Penyisihan (pemulihan) selama tahun berjalan (253.820.555) 669.565.663 Allowance (recovery) during the year
Saldo akhir 627.809.796 881.630.351 Ending balance
- -
74
Page 474
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
23. MODAL SAHAM 23. CAPITAL STOCK
Pada tanggal 31 Desember 2023 dan 2022, susunan pemegang As of December 31, 2023 and 2022, the composition of the
saham adalah sebagai berikut: shareholders is as follows:
2023
Jumlah Persentase Jumlah
lembar saham/ kepemilikan/ modal disetor/
Pemegang Saham/ Number of Percentage of Total paid-in
Shareholders shares ownership capital
Ok Next Co, Ltd. (dahulu/formerly APRO Financial Co, Ltd.) 15.288.673.243 89,73% 1.528.867.324.300
Masyarakat 1.603.717.942 9,42% 160.371.794.200
16.892.391.185 99,15% 1.689.239.118.500
Saham treasuri/Treasury stock 145.401.089 0,85% 14.540.108.900
Jumlah/Total 17.037.792.274 100,00% 1.703.779.227.400
-
2022
Jumlah Persentase Jumlah
lembar saham/ kepemilikan/ modal disetor/
Pemegang Saham/ Number of Percentage of Total paid-in
Shareholders shares ownership capital
APRO Financial Co, Ltd. 15.913.673.243 93,40% 1.591.367.324.300
Masyarakat 978.717.942 5,75% 97.871.794.200
16.892.391.185 99,15% 1.689.239.118.500
Saham treasuri/Treasury stock 145.401.089 0,85% 14.540.108.900
Jumlah/Total 17.037.792.274 100,00% 1.703.779.227.400
-
Berdasarkan akta No.01 tanggal 4 Januari 2024 tentang Based on deed No.01 dated January 4, 2024 about
"Penegasan komposisi kepemilikan modal" yang dibuat "Affirmation of capital ownership composition" of notary Agung
dihadapan notaris Agung Iriantoro, S.H., M.H, notaris Jakarta. Iriantoro, S.H., M.H, a notary in Jakarta. Bank stated that the
Bank menyatakan bahwa komposisi kepemilikan saham composition of the company's legal ownership is APRO
perseroan adalah APRO Financial Co, Ltd berubah menjadi Ok Financial Co, Ltd changed to Ok Next Co, Ltd based on the
Next Co, Ltd berdasarkan sertifikat notaris tanggal 31 Oktober notarial certificate dated October 31, 2023 as shareholders of
2023 selaku pemegang saham 15.288.673.243 saham dan 15,288,673,243 shares and public shareholders of
masyarakat pemegang saham 1.749.119.031 saham bernilai 1,749,119,031 shares worth Rp100. The deed has been
Rp100. Akta tersebut telah mendapat persetujuan dari approved by the Ministry of Law and Human Rights with
Kementerian Hukum dan Hak Asasi Manusia dengan Surat Decree No.AHU-AH.01.09-0005330 dated January 5, 2024.
Keputusan No.AHU-AH.01.09-0005330 tanggal 5 Januari 2024.
Berdasarkan akta No.6 tanggal 9 November 2022 tentang Based on notarial deed No.6 dated November 9, 2022 about
"Perubahan Komposisi kepemilikan saham perseroan" yang “Changes in the composition of the Company's share
dibuat dihadapan Notaris Agung Irianti, S.H., M.H, notaris ownership” of Notary Agung Iriantoro, S.H., M.H., notary in
Jakarta. Bank menyatakan bahwa komposisi kepemilikan Jakarta. The Bank stated that the composition of the
saham Perseroan adalah APRO Financial Co, Ltd, selaku company's shareholding was APRO Financial Co., Ltd, as the
pemegang saham 15.913.673.243 saham dan masyarakat shareholder of 15,913,673,243 shares and the public as the
pemegang saham 1.124.119.031 saham bernilai Rp100. Akta shareholder of 1,124,119,031 shares worth Rp100. The deed
tersebut telah mendapat persetujuan dari Kementerian Hukum was approved by the Ministry of Law and Human Rights of the
dan Hak Asasi Manusia dengan Surat Keputusan No.AHU- Republic of Indonesia with Decree No.AHU-AH.01.09-0074196
AH.01.09-0074196 tanggal 9 November 2022. dated November 9, 2022.
75
Page 475
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
24. SAHAM TREASURI 24. TREASURY STOCKS
Pada tanggal 29 Juli 2019, Bank melakukan pembelian kembali On July 29, 2019, the Bank bought back as many as
(buy back ) sebanyak 145.401.089 lembar saham atau sebesar 145,401,089 shares or Rp55,201,439,696 which were minority
Rp55.201.439.696 yang merupakan saham-saham minoritas shares owned by Kevin Tirta Tanujaya as many as 50,000
yang dimiliki oleh Kevin Tirta Tanujaya sebanyak 50.000 lembar shares or Rp19,529,250, Andy Tanujaya as many as
saham atau sebesar Rp19.529.250, Andy Tanujaya sebanyak 2,314,000 shares or as Rp903,813,690, Hadi Widjaja Sidarta
2.314.000 lembar saham atau sebesar Rp903.813.690, Hadi as many as 80,750,000 shares or Rp31,539,738,750, Herry
Widjaja Sidarta sebanyak 80.750.000 lembar saham atau Harsini Widjaja as many as 25,364,690 shares or
sebesar Rp31.539.738.750, Herry Harsini Widjaja sebanyak Rp9,907,067,444 and I Wayan Gatha as many as 36,922,399
25.364.690 lembar saham atau sebesar Rp9.907.067.444 dan I shares or Rp12,831,290,562. Buy back of minority shares has
Wayan Gatha sebanyak 36.922.399 lembar saham atau been validated based on the notarial deed of Dewi
sebesar Rp12.831.290.562. Pembelian kembali (buy back ) Kusumawati, S.H., No.3 dated August 2, 2019.
saham-saham minoritas telah disahkan berdasarkan akta
notaris Dewi Kusumawati, S.H., No.3 tanggal 2 Agustus 2019.
25. TAMBAHAN MODAL DISETOR 25. ADDITIONAL PAID-IN CAPITAL
2023 2022
Agio saham dari Premium on share capital
dari Penawaran Umum Perdana 5.000.000.000 5.000.000.000 from Initial Public Offering
Biaya emisi saham (4.828.000.000) (4.828.000.000) Share issuance cost
Aset pengampunan pajak 300.000.000 300.000.000 Tax amnesty assets
Efek penggabungan usaha 707.674.202.900 707.674.202.900 Merger effect
Agio saham dari Premium on share capital
Penawaran Umum Terbatas I 245.874.619.039 245.874.619.039 from Limited Public Offering I
Agio saham dari Premium on share capital
Penawaran Umum Terbatas II 231.034.182.538 231.034.182.538 from Limited Public Offering II
Biaya emisi saham (1.074.412.141) (1.074.412.141) Share issuance cost
Agio saham dari Premium on share capital
Penawaran Umum Terbatas III 246.108.118.215 246.108.118.215 from Limited Public Offering III
Biaya emisi saham (1.080.241.086) (1.080.241.086) Share issuance cost
Agio saham dari Premium on share capital
Penawaran Umum Terbatas IV 205.646.501.410 205.646.501.410 from Limited Public Offering IV
Biaya emisi saham (1.169.086.330) (1.169.086.330) Share issuance cost
Jumlah 1.633.485.884.545 1.633.485.884.545 Total
- -
Aset pengampunan pajak sebesar Rp300.000.000 diakui Tax amnesty assets amounting to Rp300,000,000 was
berdasarkan Surat Keterangan Pengampunan Pajak (SKPP) recognized based on tax amnesty letter (SKPP) No.KET-
No.KET-1701/PP/WPJ.07/2016 tanggal 30 Desember 2016. 1701/PP/WPJ.07/2016 dated December 30, 2016.
26. CADANGAN UMUM DAN WAJIB 26. GENERAL AND LEGAL RESERVES
Cadangan umum dan wajib pada awalnya dibentuk dalam The general and legal reserves were originally provided in
rangka memenuhi ketentuan Pasal 61 ayat (1) Undang-undang accordance with Indonesian Limited Liability Company Law
No.1/1995 mengenai Perseroan Terbatas (kemudian diganti No.1/1995 article 61 paragraph (1) (later superseded by
dengan Undang-undang Perseroan Terbatas No.40/2007 pasal Limited Liability Company Law No.40/2007 article 70), which
70), yang mengharuskan perusahaan Indonesia untuk membuat requires Indonesian companies to set up a general and legal
penyisihan cadangan umum dan wajib sebesar sekurang- reserve amounting to at least 20% of the issued and paid-up
kurangnya 20% dari jumlah modal yang ditempatkan dan disetor share capital. This particular law does not regulate the period
penuh. Undang-undang tersebut tidak mengatur jangka waktu of time in relation to the provision of such reserves.
untuk pembentukan penyisihan tersebut.
Berdasarkan Akta Pernyataan Keputusan Rapat Umum Based on the Deed of Decision of the General Meeting of
Pemegang Saham No.5 tanggal 11 Mei 2023, pemegang saham Shareholders No.5 dated May 11, 2023, the shareholders
menyetujui penggunaan laba tahun buku 2022 sampai dengan approved the use of the 2022 financial year profit up to 20%
20% disisihkan sebagai cadangan atau sebesar set aside as reserves or amounted to Rp2,642,036,392.
Rp2.642.036.392.
76
Page 476
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
26. CADANGAN UMUM DAN WAJIB (lanjutan) 26. GENERAL AND LEGAL RESERVES (continued)
Berdasarkan Akta Pernyataan Keputusan Rapat Umum Based on the Deed of Decision of the General Meeting of
Pemegang Saham No.2 tanggal 11 Mei 2022, pemegang saham Shareholders No.2 dated May 11, 2022, the shareholders
menyetujui penggunaan laba tahun buku 2021 sampai dengan approved the use of the 2021 financial year profit up to 20%
20% disisihkan sebagai cadangan atau sebesar set aside as reserves or amounted to Rp3,492,061,441.
Rp3.492.061.441.
Saldo cadangan ditentukan penggunaannya pada tanggal 31 Appropriated reserves balance as of December 31, 2023 and
Desember 2023 dan 2022 adalah masing-masing sebesar 2022 amounted to Rp31,756,097,833 and Rp29,114,061,441
Rp31.756.097.833 dan Rp29.114.061.441. respectively.
27. SURPLUS REVALUASI 27. REVALUATION SURPLUS
2023 2022
Saldo awal 85.034.192.275 89.209.065.621 Beginning balance
Peningkatan 3.341.147.591 - Increase
Dipindahkan ke saldo laba (2.895.278.531) (4.174.873.346) Transferred to retained earnings
Jumlah 85.480.061.335 85.034.192.275 Total
- -
Surplus revaluasi dipindahkan ke saldo laba adalah sebesar The revaluation surplus transferred to retained earnings is the
perbedaan antara jumlah penyusutan berdasarkan nilai difference between the amount of depreciation based on the
revaluasian aset dan jumlah penyusutan berdasarkan biaya revalued value of the asset and the amount of depreciation
perolehan awal. based on initial cost.
28. PENDAPATAN BUNGA 28. INTEREST INCOME
2023 2022
Kredit yang diberikan 888.987.058.638 624.717.841.303 Loans
Efek-efek 89.615.342.710 55.608.114.603 Marketable securities
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 17.539.375.801 18.958.833.950 and other banks
Giro pada Bank Indonesia Current accounts with
dan bank lain 4.241.239.341 2.695.832.502 Bank Indonesia and other banks
Jumlah 1.000.383.016.490 701.980.622.358 Total
- -
Jumlah pendapatan bunga kepada pihak berelasi untuk tahun Total interest income to related parties for the years ended
yang berakhir pada 31 Desember 2023 dan 2022 masing- December 31, 2023 and 2022 amounted to Rp12,020,216,214
masing sebesar Rp12.020.216.214 dan Rp4.057.363.345. and Rp4,057,363,345.
29. BEBAN BUNGA 29. INTEREST EXPENSES
2023 2022
Simpanan dari nasabah Deposits from customers
Tabungan 11.703.512.307 14.564.094.411 Savings deposits
Giro 12.613.499.849 8.485.663.610 Current accounts
Deposito berjangka 288.561.227.487 180.193.543.944 Time deposits
Simpanan dari bank lain Deposits from other banks
Tabungan 507.946.972 549.291.243 Savings deposits
Giro 3.313.855.779 4.361.077.740 Current accounts
Deposito berjangka 23.775.028.987 9.616.663.775 Time deposits
Interbank call money 963.350.000 1.117.566.667 Interbank call money
Liabilitas atas efek-efek yang dijual Liabilities of securities sold
dengan janji dibeli kembali 66.869.413 164.190.629 under repurchase agreement
Pinjaman yang diterima 41.412.086.416 6.866.499.999 Borrowings
Premi penjaminan simpanan (Catatan 40) 14.105.166.840 9.020.007.128 Premium of deposits guarantee (Note 40)
Jumlah 397.022.544.050 234.938.599.146 Total
- -
Jumlah beban bunga kepada pihak berelasi untuk tahun yang Total interest expense to related parties for the years ended
berakhir pada 31 Desember 2023 dan 2022 masing-masing December 31, 2023 and 2022 amounted to Rp1,004,406,294
sebesar Rp1.004.406.294 dan Rp2.283.217.453. and Rp2,283,217,453.
77
Page 477
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
30. PENDAPATAN (BEBAN) OPERASIONAL LAINNYA 30. OTHER OPERATING INCOME (EXPENSES)
2023 2022
Pendapatan operasional lainnya Other operating income
Hapus buku 6.042.695.164 1.266.364.431 Write-off
Penalti dan denda 5.895.430.870 6.349.273.628 Penalty and sanction
Pendapatan administrasi 1.185.817.677 956.795.250 Administration income
Transaksi ATM dan payment point 707.025.959 578.805.837 ATM transactions and payment point
Transfer, inkaso dan kliring 150.682.300 140.281.600 Transfers, cheques collection and clearing
Safety deposit boxes 117.237.037 163.477.088 Safety deposit boxes
Komisi asuransi, notaris dan appraisal 79.367.839 439.844.620 Insurance, notarial and appraisal commisions
Provisi dan komisi selain dari Fees and commissions not
kredit yang diberikan 35.875.315 51.814.369 related to loans
Lain-lain 2.734.862.355 489.751.429 Others
Jumlah 16.948.994.516 10.436.408.252 Total
Beban operasional lainnya Other operating expenses
Rugi kredit modifikasian (10.231.131.062) (16.049.648.820) Loss from modified loans
Jumlah (10.231.131.062) (16.049.648.820) Total
- -
Pendapatan operasional lainnya - lain-lain, terutama terdiri dari Other operating income - others, mainly consisting of
penyelesaian agunan yang diambil alih, penggantian buku foreclosed assets settlement, replacement of
tabungan/cek/bilyet giro. passbooks/check/cheque.
31. BEBAN TENAGA KERJA 31. PERSONNEL EXPENSES
2023 2022
Gaji 92.244.201.029 82.605.008.821 Salary
Kesehatan dan premi asuransi 11.102.019.600 7.804.174.206 Medical and insurance premium
Kesejahteraan dan pensiun karyawan 5.954.137.892 5.672.761.086 Employee welfare and retirement
Imbalan pasca kerja (Catatan 19) 4.672.700.554 5.344.240.741 Post employment benefits (Note 19)
Pendidikan dan pelatihan 3.495.837.744 3.647.354.204 Training and education
Lain-lain 11.287.262.915 3.900.833.271 Others
Jumlah 128.756.159.734
-
108.974.372.329
- Total
Perincian gaji dan tunjangan untuk Dewan Komisaris dan Details of salaries and allowances for the Boards of
Direksi Bank untuk tahun yang berakhir 31 Desember 2023 dan Commissioners and Directors of the Bank for the years ended
2022 adalah sebagai berikut: December 31, 2023 and 2022 are as follows:
2023 2022
Dewan Komisaris 1.558.645.161 844.588.709 Board of Commisioners
Dewan Direksi 11.305.465.088 11.448.293.893 Board of Directors
Jumlah 12.864.110.249 12.292.882.602 Total
32. BEBAN UMUM DAN ADMINISTRASI 32. GENERAL AND ADMINISTRATIVE EXPENSES
2023 2022
Kantor 34.909.277.778 29.385.670.462 Office
Fee dan komisi 28.085.506.277 34.573.275.599 Fees and commissions
Pemeliharaan dan perbaikan 23.592.667.882 19.053.418.481 Repair and maintenance
Promosi 20.711.792.436 18.069.904.149 Promotion
Penyusutan aset hak guna (Catatan 12) 14.579.295.397 11.692.152.237 Depreciation of right of use assets (Note 12)
Tenaga ahli 11.772.188.662 8.385.140.736 Professional services
Amortisasi aset takberwujud (Catatan 11) 11.837.689.343 23.794.016.190 Amortization of intangible assets (Note 11)
Penyusutan aset tetap (Catatan 10) 10.427.039.103 10.238.892.491 Depreciation fixed assets (Note 10)
Fasilitas IT dan komunikasi 7.008.191.969 7.452.974.648 IT and communication facilities
Sewa 3.213.113.000 3.361.325.229 Rental
Pajak 814.848.298 1.405.940.117 Taxes
Premi asuransi 268.468.701 352.406.277 Insurance premium
Penelitian dan pengembangan 188.379.660 187.360.660 Research and developments
Lain-lain 8.614.484.128 8.287.094.940 Others
Jumlah 176.022.942.634 176.239.572.216 Total
- -
78
Page 478
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
33. PENYISIHAN KERUGIAN PENURUNAN NILAI ATAS ASET 33. PROVISION FOR IMPAIRMENT LOSSES ON FINANCIAL
KEUANGAN DAN NON-KEUANGAN AND NON-FINANCIAL ASSETS
2023 2022
Pinjaman yang diberikan (Catatan 9) 268.383.764.768 144.687.422.576 Loans (Note 10)
Agunan yang diambil alih (Catatan 13) - 11.400.000.000 Foreclosed assets (Note 13)
Fasilitas kredit kepada nasabah Unused loans commitments
yang belum digunakan (Catatan 22) (253.820.555) 669.565.663 granted to customer (Note 22)
Jumlah 268.129.944.213 156.756.988.239 Total
- -
34. PENDAPATAN (BEBAN) NON-OPERASIONAL 34. NON-OPERATING INCOME (EXPENSE)
2023 2022
Pendapatan non-operasional Non-operating income
Laba penjualan aset tetap 44.341.659 8.555.690 Gain from sale of fixed assets
Sewa bangunan non-kantor 34.581.600 426.026.067 Non office building lease
Laba hapus buku aset hak guna 8.546.338 - Gain from right of use write-off
Lain-lain 5.056.144 55.693.117 Others
92.525.741 490.274.874
- -
Beban non-operasional Non-operating expense
Denda-denda 52.650.000 100.000 Fines
Rugi penghapusan aset tetap 13 18.672.018 Loss on fixed assets write-off
Rugi penjualan agunan yang diambil alih - 495.979.956 Loss from sale of foreclosed assets
Lain-lain 137.212.369 147.096.980 Others
189.862.382 661.848.954
Jumlah pendapatan (beban) Total non-operating
(97.336.641) (171.574.080)
non-operasional - bersih income (expenses) - net
- -
35. KOMITMEN DAN KONTINJENSI 35. COMMITMENTS AND CONTINGENCIES
2023 2022
KOMITMEN COMMITMENTS
Liabilitas komitmen Commitment liabilities
Fasilitas kredit kepada nasabah Unused loans commitments
yang belum digunakan (1.047.588.279.424) (1.064.847.760.715) granted to customers
JUMLAH KOMITMEN - BERSIH (1.047.588.279.424) (1.064.847.760.715) TOTAL COMMITMENTS - NET
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivables
Pendapatan bunga dalam penyelesaian 53.716.259.981 24.190.449.007 Past due interest receivables
Pendapatan bunga kredit restrukturisasi 22.503.019.265 - Interest receivables on restructure loans
Kredit hapusbuku 407.271.228.342 227.782.145.358 Loan write-off
Jumlah tagihan kontinjensi 483.490.507.588 251.972.594.365 Total contingent receivables
Liabilitas kontinjensi Contingent liabilities
Bank garansi (17.284.072.000) (13.433.000.000) Bank guarantees
Penempatan pada bank lain - (28.840.000.000) Placement with other banks
Jumlah liabilitas kontinjensi (17.284.072.000) (42.273.000.000) Total contingent liabilities
JUMLAH KONTINJENSI - BERSIH 466.206.435.588 209.699.594.365 TOTAL CONTINGENCIES - NET
36. TRANSAKSI DENGAN PIHAK YANG BERELASI 36. RELATED PARTY TRANSACTIONS
Dalam kegiatan normal usaha, Bank melakukan transaksi In the normal course of business, Bank enters into certain
dengan pihak berelasi karena hubungan kepemilikan dan/atau transactions with parties which are related to the management
kepengurusan. Semua transaksi dengan pihak-pihak berelasi and/or owned by the same ultimate shareholder. All
telah dilakukan dengan kebijakan dan syarat yang telah transactions with related parties have met the agreed terms
disepakati bersama. and conditions.
79
Page 479
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
36. TRANSAKSI DENGAN PIHAK YANG BERELASI (lanjutan) 36. RELATED PARTY TRANSACTIONS (continued)
Berikut ini adalah pihak-pihak berelasi Bank, sifat hubungan dan The related parties, nature of relationship and nature of
sifat dari transaksi: transactions are described as follows:
Pihak berelasi/ Sifat hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
Dewan Komisaris, Direksi dan Karyawan kunci/ a. Kredit yang diberikan/Loans
Pejabat Eksekutif/ Key management personnel b. Simpanan/Deposits
Board of Commisioner, Board of c. Beban bunga/Interest expenses
Directors, Executive Bank Officer d. Pendapatan bunga/Interest income
Ok Next Co, Ltd. (dahulu/formerly Pemegang saham pengendali/ a. Simpanan/Deposits
APRO Financial Co, Ltd.) Ultimate shareholder b. Beban bunga/Interest expenses
PT Oke Asset Indonesia Dimiliki oleh pemegang saham a. Kredit yang diberikan/Loans
akhir yang sama/ b. Simpanan/Deposits
Owned by the ultimate shareholder c. Beban bunga/Interest expenses
d. Pendapatan bunga/Interest income
PT Oke Investment Indonesia Dimiliki oleh pemegang saham a. Simpanan/Deposits
akhir yang sama/ b. Beban bunga/Interest expenses
Owned by the ultimate shareholder
PT PTOP Indonesia Dimiliki oleh pemegang saham a. Simpanan/Deposits
akhir yang sama/ b. Beban bunga/Interest expenses
Owned by the ultimate shareholder
Saldo dari pihak-pihak berelasi adalah sebagai berikut: The outstanding balance with related parties are as follows:
2023 2022
Aset Asset
Kredit yang diberikan Loans
PT Oke Asset Indonesia 77.226.244.327 68.601.946.108 PT Oke Asset Indonesia
Lain-lain kurang dari Rp1.000.000.000 3.387.845.495 4.092.070.515 Other less than Rp1,000,000,000
Jumlah 80.614.089.822 72.694.016.623 Total
Persentase terhadap jumlah aset 0,73% 0,71% Percentage to total assets
Liabilitas Liabilities
Simpanan dari nasabah Deposits from customers
Giro 3.772.314 1.556.330.000 Current accounts
Tabungan 79.947.411.306 4.166.225.770 Savings deposits
Deposito berjangka 14.296.424.716 12.482.569.325 Time deposits
Jumlah 94.247.608.336 18.205.125.095 Total
Persentase terhadap jumlah liabilitas 1,26% 0,27% Percentage to total liabilities
Pendapatan bunga Interest income
Pinjaman yang diberikan 12.020.216.214 4.057.363.345 Loans
Persentase terhadap Percentage to
jumlah pendapatan bunga 1,20% 0,58% total interest income
Beban bunga Interest expenses
Simpanan dari nasabah 1.004.406.294 2.283.217.453 Deposits from customers
Persentase terhadap jumlah beban bunga 0,25% 0,97% Percentage to total interest expenses
Beban tenaga kerja Personnel expenses
Kompensasi kepada Dewan Komisaris, Compensation of Board of Commisioner,
Direksi dan Pejabat Eksekutif: Board of Directors, Executive Bank Officer:
Gaji dan imbalan kerja jangka pendek 40.782.905.858 22.279.329.327 Salaries and short term employee benefits
Imbalan pasca kerja 3.077.249.251 2.395.914.532 Post employment benefits
Jumlah 43.860.155.109 24.675.243.859 Total
Persentase terhadap Percentage of
34,06% 22,64%
jumlah beban tenaga kerja total personnel expenses
Transaksi dengan pihak-pihak berelasi dilakukan dengan Related parties transactions are conducted at normal prices
kebijakan harga dan syarat normal, sebagaimana dilakukan and terms of policy, as conducted by parties who are not
dengan pihak yang tidak berelasi, kecuali pinjaman yang related, except for loans granted to employees of the Bank.
diberikan kepada karyawan Bank.
--- Sheet "Segmen" (Catatan 37)
80
Page 480
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
37. INFORMASI SEGMEN 37. SEGMENT INFORMATION
Bank melaporkan segmen wilayah geografis sebagai informasi segmen utama. The bank reported geographical segment as its primary segment information.
2023
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Jawa Barat/ Jumlah/
DKI Jakarta Central Java East Java Bali West Java Total
Pendapatan bunga 899.883.392.316 5.633.714.906 51.902.885.443 35.756.647.673 7.206.376.153 1.000.383.016.490 Interest income
Beban bunga (369.361.746.954) (2.201.292.035) (7.964.288.356) (14.052.456.430) (3.442.760.276) (397.022.544.050) Interest expenses
Pendapatan bunga - bersih 530.521.645.363 3.432.422.871 43.938.597.087 21.704.191.243 3.763.615.876 603.360.472.440 Interest income - net
Pendapatan operasional lainnya 15.099.549.298 358.831.472 800.401.998 660.830.767 29.380.982 16.948.994.516 Other operating income
Tenaga kerja (120.904.413.224) (1.517.293.079) (2.815.045.817) (1.959.003.066) (1.560.404.548) (128.756.159.734) Personnel
Umum dan administrasi (153.547.987.289) (1.305.543.521) (11.807.569.894) (1.512.272.486) (7.849.569.446) (176.022.942.634) General and administrative
Penyisihan kerugian penurunan Allowance for impairment
nilai atas aset keuangan (268.096.604.923) (6.437.076) (20.103.828) (5.748.989) (1.049.397) (268.129.944.213) losses on financial and
Lainnya (10.231.131.062) - - - - (10.231.131.062) Others
Laba (rugi) operasional (7.158.941.837) 961.980.667 30.096.279.546 18.887.997.470 (5.618.026.532) 37.169.289.313 Operating income (loss)
Laba (rugi) bersih 18.245.118.937 (148.862.226) 3.034.690.502 13.494.617.972 (5.973.782.329) 28.651.782.856 Net profit (loss)
Jumlah aset 9.703.557.352.016 238.332.274.220 583.193.397.418 421.786.522.816 128.281.537.435 11.075.151.083.905 Total asssets
Jumlah liabilitas 6.678.323.679.058 54.559.906.047 211.762.347.413 397.360.928.880 148.658.704.179 7.490.665.565.577 Total liabilities
2022
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Jumlah/
DKI Jakarta Central Java East Java Bali Total
Pendapatan bunga 645.106.511.645 2.050.201.254 39.454.452.027 15.369.457.432 701.980.622.358 Interest income
Beban bunga (222.947.266.202) (935.664.191) (4.060.939.873) (6.994.728.880) (234.938.599.146) Interest expenses
Pendapatan bunga - bersih 422.159.245.443 1.114.537.063 35.393.512.154 8.374.728.552 467.042.023.212 Interest income - net
Pendapatan operasional lainnya 8.912.976.795 519.109.321 327.208.460 677.113.676 10.436.408.252 Other operating income
Tenaga kerja (103.666.330.808) (1.225.714.960) (2.346.296.554) (1.736.030.007) (108.974.372.329) Personnel
Umum dan administrasi (169.468.789.519) (657.583.770) (916.460.847) (5.196.738.080) (176.239.572.216) General and administrative
Penyisihan kerugian penurunan Allowance for impairment
nilai atas aset keuangan (133.600.462.612) (70.693.929) (18.263.554.164) (4.822.277.534) (156.756.988.239) losses on financial and
Lainnya (8.071.541.884) - (7.353.988.814) (624.118.122) (16.049.648.820) Others
Laba (rugi) operasional 24.336.639.299 (320.346.275) 14.194.409.049 (2.703.203.393) 35.507.498.680 Operating income (loss)
Laba bersih 25.113.195.485 (50.531.269) (13.771.685.872) 1.919.203.615 13.210.181.959 Net profit
Jumlah aset 9.269.060.294.781 27.025.878.431 674.873.328.862 212.451.733.463 10.183.411.235.537 Total asssets
Jumlah liabilitas 6.122.191.247.254 31.666.002.722 140.406.208.454 336.788.130.095 6.631.051.588.525 Total liabilities
81
Page 481
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. NILAI WAJAR INSTRUMEN KEUANGAN 38. FAIR VALUE OF FINANCIAL INSTRUMENTS
Tabel dibawah ini menggambarkan nilai tercatat dan nilai wajar The following table represents the carrying value and fair value
dari aset dan liabilitas keuangan pada tanggal 31 Desember of financial assets and liabilities as of December 31, 2023 and
2023 dan 2022. 2022.
2023
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan Financial assets
Kas 17.163.556.200 17.163.556.200 Cash
Giro pada Bank Indonesia 462.808.546.170 462.808.546.170 Current accounts with Bank Indonesia
Giro pada bank lain 2.730.197.054 2.730.197.054 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 549.985.425.169 549.985.425.169 and other banks
Efek-efek 1.382.901.566.872 1.405.787.044.820 Marketable securities
Kredit yang diberikan 8.310.560.436.858 8.310.560.436.858 Loans
10.726.149.728.323 10.749.035.206.271
Liabilitas keuangan Financial liabilities
Liabilitas segera 57.419.625.960 57.419.625.960 Liabilities immediately payable
Simpanan dari nasabah 6.069.744.599.248 6.069.744.599.248 Deposits from customers
Simpanan dari bank lain 744.262.551.516 744.262.551.516 Deposits from other banks
Pinjaman yang diterima 550.000.000.000 550.000.000.000 Borrowings
7.421.426.776.724 7.421.426.776.724
2022
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset keuangan Financial assets
Kas 26.413.110.800 26.413.110.800 Cash
Giro pada Bank Indonesia 406.090.896.181 406.090.896.181 Current accounts with Bank Indonesia
Giro pada bank lain 1.315.894.760 1.315.894.760 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 529.376.918.859 529.376.918.859 and other banks
Efek-efek 921.400.841.679 913.187.510.340 Marketable securities
Kredit yang diberikan 7.929.653.822.949 7.929.653.822.949 Loans
9.814.251.485.228 9.806.038.153.889
Liabilitas keuangan Financial liabilities
Liabilitas segera 80.974.154.780 80.974.154.780 Liabilities immediately payable
Simpanan dari nasabah 5.368.611.972.518 5.368.611.972.518 Deposits from customers
Simpanan dari bank lain 600.081.913.207 600.081.913.207 Deposits from other banks
Pinjaman yang diterima 500.000.000.000 500.000.000.000 Borrowings
6.549.668.040.505 6.549.668.040.505
Bank menggunakan hirarki berikut untuk menentukan dan The Bank adopts the following hierarchy for determining and
mengungkapkan nilai wajar dari instrumen keuangan: disclosing the fair value of financial instruments:
(i) Tingkat 1: Harga dikutip (tidak disesuaikan) dari pasar yang (i) Level 1: Quoted prices in active market for the
aktif untuk aset atau liabilitas keuangan yang identik; same/identical financial asset or liability;
(ii) Tingkat 2: Input selain harga yang dikutip dari pasar yang (ii) Level 2: Inputs other than quoted market prices included
disertakan pada Tingkat 1 yang dapat diobservasi untuk in Level 1 that are observable for the financial asset or
aset dan liabilitas keuangan, baik secara langsung (yaitu liability, either directly (as a price) or indirectly (derived
sebagai sebuah harga) atau secara tidak langsung (yaitu from prices);
sebagai turunan dari harga);
(iii) Tingkat 3: Input untuk aset atau liabilitas keuangan yang (iii) Level 3: Inputs for the financial asset or liability that are
tidak didasarkan pada data pasar yang dapat diobservasi not based on observable market data (unobservable
(informasi yang tidak dapat diobservasi). information).
82
Page 482
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
38. NILAI WAJAR INSTRUMEN KEUANGAN (lanjutan) 38. FAIR VALUE OF FINANCIAL INSTRUMENT (continued)
a. Giro pada Bank Indonesia, giro pada bank lain, a. Current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank lain, efek- accounts with other banks, placements with Bank
efek dan aset lain-lain. Indonesia and other banks, marketable securities and
other assets.
Nilai tercatat dari giro dan penempatan dengan suku bunga The carrying values of current account and placements
mengambang adalah perkiraan yang layak atas nilai wajar. with floating interest rate is a reasonable approximation of
their fair values.
Estimasi nilai wajar terhadap penempatan dengan suku The estimated fair value of the placement with a fixed
bunga tetap, efek-efek dan aset lain-lain ditetapkan interest rate, marketable securities and other assets is
berdasarkan diskonto arus kas dengan menggunakan suku based on discounted cash flows using money market
bunga pasar uang yang berlaku untuk hutang dengan risiko interest rate applicable to loans with similar credit risk and
kredit dan sisa jatuh tempo yang serupa. Karena sisa jatuh remaining maturity. Because the residual maturity is below
tempo di bawah 1 (satu) tahun sehingga nilai tercatat dari 1 (one) year, the carrying amount of the placement with a
penempatan dengan suku bunga tetap, efek-efek dan aset fixed interest rate, marketable securities and other assets
lain-lain adalah perkiraan yang layak atas nilai wajar. is a reasonable approximation of their fair values.
b. Pinjaman yang diberikan b. Loans
Pinjaman yang diberikan dinyatakan berdasarkan jumlah Loans are stated at carrying amount after deducting the
nilai tercatat setelah dikurangi oleh cadangan kerugian allowance for impairment losses.
penurunan nilai.
Nilai tercatat dari pinjaman yang diberikan dengan suku The carrying value of loans with floating interest rates is a
bunga mengambang adalah perkiraan yang layak atas nilai reasonable approximation of their fair values.
wajar.
Estimasi nilai wajar dari pinjaman yang diberikan The estimated fair value of loans represents the
mencerminkan jumlah diskonto dari estimasi kini dari arus discounted amount of estimated future cash flows
kas masa depan yang diharapkan akan diterima. Arus kas expected to be received. The expected cash flows is
yang diharapkan didiskontokan pada tingkat suku bunga discounted at current market rates to determine its fair
pasar terkini untuk menentukan nilai wajar. value.
c. Simpanan dari nasabah, simpanan dari bank lain dan c. Deposits from customers, deposits from other banks
liabilitas lain-lain and other liabilities
Estimasi nilai wajar simpanan tanpa jatuh tempo, termasuk The estimated fair value of deposits without maturity,
simpanan tanpa bunga adalah sebesar jumlah terutang including non-interest bearing deposits is equal to the
ketika utang tersebut dibayarkan. outstanding amount when the debt is paid.
Estimasi nilai wajar terhadap simpanan dengan tingkat The estimated fair value of the deposits with fixed interest
suku bunga tetap, liabilitas akseptasi dan liabilitas lain-lain rates, liabilities acceptances and other liabilities that are
yang tidak memiliki kuotasi di pasar aktif ditetapkan not quoted in an active market is based on discounted
berdasarkan diskonto arus kas dengan menggunakan suku cash flows using interest rates for new debts with similar
bunga hutang baru dengan sisa jatuh tempo yang serupa. remaining maturity. Because the residual maturity is below
Karena sisa jatuh tempo dibawah satu tahun sehingga nilai one year, the carrying amount of deposits with fixed
tercatat dari simpanan dengan suku bunga tetap, serta interest rates, is reasonable approximation of fair value.
beban yang masih harus dibayar adalah perkiraan yang
layak atas nilai wajar.
83
Page 483
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO 39. RISK MANAGEMENT
Penerapan manajemen risiko di Bank mengacu pada Peraturan Implementation of risk management in Bank accordance with
Otoritas Jasa Keuangan (POJK) No.18/POJK.03/2016 tanggal the Financial Services Authority Regulation (POJK)
16 Maret 2016 tentang Penerapan Manajemen Risiko bagi Bank No.18/POJK.03/2016 dated March 16, 2016 regarding
Umum. Bank telah menyusun buku Pedoman Penerapan Application of Risk Management for Commercial Banks. The
Manajemen Risiko yang mencakup kebijakan dan prosedur Bank has prepared Risk Management Implementation
mengenai: Guidelines which include policies and procedures regarding:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active supervision by the Board of Commissioner and
Board of Directors;
2. Kecukupan kebijakan, prosedur dan penetapan limit; 2. Adequacy of policies, procedures, and establishment of
limits;
3. Kecukupan proses identifikasi, pengukuran, pemantauan 3. Adequacy of processes of identification, measurement,
dan pengendalian risiko serta sistem informasi Manajemen monitoring, and control of risks and the Risk Management
Risiko; dan information system; and
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control system.
Bank senantiasa melakukan penyesuaian, perbaikan dan The Bank makes adjustments, revisions and improvements to
penyempurnaan terhadap pedoman penerapan manajemen the guidelines for risk management when there are changes to
risiko bila terdapat perubahan atas ketentuan yang berlaku. the applicable regulations.
Bank telah membentuk Komite Manajemen Risiko dan Satuan The Bank has established a Risk Management Committee and
Kerja Manajemen Risiko yang bertugas menetapkan kebijakan Risk Management Unit which is responsible for determining
termasuk strategi manajemen risiko dan perencanaan dalam policies including risk management strategy and planning in an
keadaan darurat (contingency plan) untuk menghadapi risiko emergency (contingency plan) to deal with the resulting risks,
yang timbul, memperbaiki dan menyempurnakan penerapan improve and refine risk management.
manajemen risiko.
Dalam rangka meningkatkan efektifitas penerapan manajemen In order to improve the effectiveness of risk management
risiko maka telah dilakukan upaya peningkatan kemampuan dan application they have made efforts to increase the ability and
pengetahuan petugas melalui seminar, sosialisasi dan knowledge of officers through seminars, socialization and
mengikutsertakan dalam program sertifikasi. Bank telah memiliki participation in the certification program. The Bank has a series
serangkaian prosedur dan metodologi untuk digunakan dalam of procedures and methodologies use in the identification,
melakukan identifikasi, pengukuran, pemantauan dan measurement, monitoring and control for 8 (eight) types of
pengendalian untuk 8 (delapan) jenis risiko yang melekat pada risks inherent in the functional activity of the bank. The Bank
aktivitas fungsional bank. Secara berkala Bank melakukan periodically evaluates existing procedures and methodologies
evaluasi terhadap prosedur dan metodologi yang ada untuk to further enhance risk management practices.
lebih menyempurnakan praktek penerapan manajemen risiko.
a. Risiko kredit a. Credit risk
Risiko kredit adalah potensi terjadinya kerugian keuangan Credit risk is the potential for financial loss when a
ketika nasabah atau counterparty gagal memenuhi customer or counterparty fails to meet its obligations at
kewajibannya pada saat jatuh tempo, dan timbul terutama maturity, and arises principally from current account with
dari giro pada Bank Indonesia, giro pada bank lain, Bank Indonesia, current account with other banks,
penempatan pada Bank Indonesia dan bank lain, efek-efek placement with Bank Indonesia and other banks,
yang dibeli dengan janji dijual kembali, efek-efek dan marketable securities purchased under resale agreement,
pinjaman yang diberikan. Tujuan dari manajemen risiko marketable secutities and loans. The purpose of the credit
kredit adalah untuk mengendalikan dan mengelola risk management is to control and manage the credit risk
eksposur risiko kredit dalam parameter yang dapat exposure within acceptable parameters, while maximizing
diterima, sekaligus memaksimalkan return on risk. the return on risk.
Risiko kredit terutama berasal dari pinjaman yang diberikan Credit risk comes primarily from loans and guarantees.
dan garansi.
84
Page 484
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
Pengelolaan risiko kredit dilaksanakan sejalan dengan Credit risk management is implemented in line with the
kebijakan dan prosedur yang telah ada untuk memastikan policies and procedures exist to ensure the following:
beberapa hal berikut:
1. Analisa usaha setiap sektor kredit, kelengkapan 1. Analysis of each business credit sector, documents
dokumen dan pengikatan dalam kegiatan pemberian and binding in lending activities.
kredit.
2. Proses manajemen risiko kredit dari identifikasi risiko, 2. Credit risk management process of risk identification,
analisa risiko, pengukuran risiko hingga monitoring risk analysis, risk measurement by monitoring credit
risiko kredit dalam siklus proses pemberian kredit risk in the loan processing cycle as a whole.
secara menyeluruh.
3. Mempercepat penyelesaian kredit bermasalah, 3. Accelerate the completion of non-performing loans,
menurunkan NPL bank dan meningkatkan hasil usaha. lowering the bank NPLs and improve business
results.
4. Meningkatkan kemampuan kompetensi karyawan 4. Improve the ability of the competence of employees
melalui training dan pendidikan di internal maupun through training and education both internal and
eksternal. external.
Rasio kredit bermasalah/non-performing loans (NPL) Bank Non-performing loans (NPL) ratio of the Bank as of
pada tanggal 31 Desember 2023 dan 2022 (Catatan 9q). December 31, 2023 and 2022 (Note 9q).
Rasio kualitas aset produktif merupakan rasio aset yang Earnings asset quality ratio is the ratio of assets classified
diklasifikasikan sebagai non-performing dibandingkan as non-performing to total earnings assets.
dengan jumlah aset produktif.
Eksposur risiko kredit tanpa memperhitungkan agunan dan Credit risk exposure without taking into account collateral
pendukung kredit lainnya terhadap aset keuangan pada and other credit support to the financial assets in the
laporan posisi keuangan adalah sebagai berikut: statements of financial position is as follows:
Eksposur maksimum/ Maximum exposure
Keterangan 2023 2022 Description
Giro pada Bank Indonesia 462.808.546.170 406.090.896.181 Current accounts with Bank Indonesia
Giro pada bank lain 2.730.197.054 1.315.894.760 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 549.985.425.169 529.376.918.859 and other banks
Efek-efek 1.382.901.566.872 921.400.841.679 Marketable securities
Pinjaman yang diberikan 8.527.881.283.440 8.064.122.682.911 Loans
Jumlah - bruto 10.926.307.018.705 9.922.307.234.390 Total - gross
Penyisihan kerugian penurunan nilai (217.320.846.582) (134.468.859.962) Allowance for impairment losses
Jumlah - bersih 10.708.986.172.123 9.787.838.374.428 Total - net
Eksposur risiko kredit terhadap komitmen dan kontinjensi Credit risk exposure to the commitments contingencies
tanpa memperhitungkan agunan atau pendukung kredit without collateral held or other credit support is as follows:
lainnya adalah sebagai berikut:
Eksposur maksimum/ Maximum exposure
Keterangan 2023 2022 Description
Fasilitas kredit kepada Unused loans commitments
debitur yang belum digunakan 1.047.588.279.424 1.064.847.760.715 granted to customers
Penempatan pada bank lain - 28.840.000.000 Placement with other banks
Garansi yang diterbitkan 17.284.072.000 13.433.000.000 Guarantees issued
Jumlah 1.064.872.351.424 1.107.120.760.715 Total
85
Page 485
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(i) Sektor industri (i) Industry sector
Tabel dibawah berikut ini menggambarkan rincian The following table below illustrates the details of the
eksposur kredit Bank pada nilai tercatat dan rincian Bank's credit exposure to the carrying value and the
eksposur kredit Bank terhadap komitmen dan details of the Bank’s credit exposure to commitments
kontijensi (tanpa memperhitungkan agunan atau and contigencies (without taking into account
pendukung kredit lainnya), yang dikategorikan collateral or other credit support), which are
berdasarkan sektor industri. categorized by industry sector.
2023
Bank Indonesia Korporasi dan
dan bank lain/ perorangan/
Pemerintah/ Bank Indonesia Corporate and Jumlah/
Government and other banks individual Total
Giro pada Current accounts
Bank Indonesia - 462.808.546.170 - 462.808.546.170 with Bank Indonesia
Giro pada Current accounts
bank lain - 2.730.197.054 - 2.730.197.054 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - 549.985.425.169 - 549.985.425.169 and other banks
Efek-efek 1.382.901.566.872 - - 1.382.901.566.872 Marketable securities
Pinjaman yang
diberikan - 229.553.111.822 8.298.328.171.618 8.527.881.283.440 Loans
Jumlah - bruto 1.382.901.566.872 1.245.077.280.215 8.298.328.171.618 10.926.307.018.705 Total - gross
Penyisihan kerugian Allowance for
penurunan nilai - - (217.320.846.582) (217.320.846.582) impairment losses
Jumlah - bersih 1.382.901.566.872 1.245.077.280.215 8.081.007.325.036 10.708.986.172.123 Total - net
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan - 55.359.735.598 992.228.543.826 1.047.588.279.424 to customers
Garansi yang
diterbitkan - - 17.284.072.000 17.284.072.000 Guarantees issued
Jumlah - 55.359.735.598 1.009.512.615.826 1.064.872.351.424 Total
86
Page 486
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(i) Sektor industri (lanjutan) (i) Industry sector (continued)
2022
Bank Indonesia Korporasi dan
dan bank lain/ perorangan/
Pemerintah/ Bank Indonesia Corporate and Jumlah/
Government and other banks individual Total
Giro pada Current accounts
Bank Indonesia - 406.090.896.181 - 406.090.896.181 with Bank Indonesia
Giro pada Current accounts
bank lain - 1.315.894.760 - 1.315.894.760 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - 529.376.918.859 - 529.376.918.859 and other banks
Efek-efek 921.400.841.679 - - 921.400.841.679 Marketable securities
Pinjaman yang
diberikan - 224.100.028.764 7.840.022.654.147 8.064.122.682.911 Loans
Jumlah - bruto 921.400.841.679 1.160.883.738.564 7.840.022.654.147 9.922.307.234.390 Total - gross
Penyisihan kerugian Allowance for
penurunan nilai - - (134.468.859.962) (134.468.859.962) impairment losses
Jumlah - bersih 921.400.841.679 1.160.883.738.564 7.705.553.794.185 9.787.838.374.428 Total - net
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan - 36.922.271.569 1.027.925.489.146 1.064.847.760.715 to customers
Penempatan pada Placement with
bank lain - 28.840.000.000 - 28.840.000.000 other banks
Jumlah - 65.762.271.569 1.041.358.489.146 1.107.120.760.715 Total
--- Sheet "MR" (Catatan 39.a.)
87
Page 487
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(ii) Sektor geografis (ii) Geographic sector
Eksposur risiko kredit atas aset keuangan berdasarkan wilayah geografis tempat Bank Credit risk exposure of the financial assets by geographic sector in which the Bank
beroperasi adalah sebagai berikut: operates is as follows:
2023
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Giro pada Current accounts
Bank Indonesia 462.808.546.170 - - - - 462.808.546.170 with Bank Indonesia
Giro pada bank lain 2.730.197.054 - - - - 2.730.197.054 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 549.985.425.169 - - - - 549.985.425.169 and other banks
Efek-efek - bersih 1.382.901.566.872 - - - - 1.382.901.566.872 Marketable securities - net
Pinjaman yang
diberikan - bersih 7.104.780.061.865 233.478.495.531 553.608.884.061 418.692.995.401 - 8.310.560.436.858 Loans - net
Jumlah 9.503.205.797.130 233.478.495.531 553.608.884.061 418.692.995.401 - 10.708.986.172.123 Total
2022
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Giro pada Current accounts
Bank Indonesia 406.090.896.181 - - - - 406.090.896.181 with Bank Indonesia
Giro pada bank lain 1.315.894.760 - - - - 1.315.894.760 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 529.376.918.859 - - - - 529.376.918.859 and other banks
Efek-efek - bersih 921.400.841.679 - - - - 921.400.841.679 Marketable securities - net
Pinjaman yang
diberikan - bersih 7.056.046.751.221 25.986.520.862 642.828.326.688 204.792.224.178 - 7.929.653.822.949 Loans - net
Jumlah 8.914.231.302.700 25.986.520.862 642.828.326.688 204.792.224.178 - 9.787.838.374.428 Total
88
Page 488
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(ii) Sektor geografis (lanjutan) (ii) Geographic sector (continued)
Eksposur risiko kredit atas komitmen dan kontinjensi berdasarkan wilayah geografis tempat Credit risk exposure of commitment and contingency by geographic sector in
Bank beroperasi adalah sebagai berikut: which the Bank operates is as follows:
2023
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan 844.224.786.700 98.678.598.592 20.288.510.544 84.396.383.588 - 1.047.588.279.424 to customers
Garansi yang diterbitkan 17.284.072.000 - - - - 17.284.072.000 Guarantees issued
Jumlah 861.508.858.700 98.678.598.592 20.288.510.544 84.396.383.588 - 1.064.872.351.424 Total
2022
DKI Jakarta/ Jawa Tengah/ Jawa Timur/ Bali/ Lain-lain/ Jumlah/
DKI Jakarta Central Java East Java Bali Others Total
Fasilitas kredit kepada Unused loans
debitur yang belum commitments granted
digunakan 915.145.795.455 2.243.823.047 82.765.731.364 64.692.410.849 - 1.064.847.760.715 to customers
Penempatan pada bank lain 5.500.000.000 - - 23.340.000.000 - 28.840.000.000 Placement with other banks
Garansi yang diterbitkan 13.433.000.000 - - - - 13.433.000.000 Guarantees issued
Jumlah 934.078.795.455 2.243.823.047 82.765.731.364 88.032.410.849 - 1.107.120.760.715 Total
--- Sheet "MR 71" (Catatan 39.a.iii)
89
Page 489
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(iii) Kualitas kredit dari aset keuangan (iii) Credit quality of financial assets
Tabel berikut menyajikan aset keuangan berdasarkan stage dengan jumlah cadangan kerugian penurunan nilai untuk setiap aset The following table presents the financial assets by stage with the allowance for impairment losses against each financial assets under
keuangan dengan klasifikasi biaya perolehan diamortisasi dan nilai wajar melalui penghasilan komprehensif lain pada tanggal 31 classification of amortised cost and fair value through other comprehensive income as of December 31, 2023 and 2022:
Desember 2023 dan 2022:
2023
Stage 1 Stage 2 Stage 3 Jumlah/Total
Cadangan Cadangan Cadangan
kerugian kerugian kerugian Cadangan
penurunan penurunan penurunan kerugian
nilai/ Nilai tercatat nilai/ Nilai tercatat nilai/ Nilai tercatat penurunan nilai/ Nilai tercatat
Allowance for bersih/ Allowance for bersih/ Allowance for bersih/ Allowance for bersih/
Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying
Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount
Giro pada Current accounts
Bank Indonesia 462.808.546.170 - 462.808.546.170 - - - - - - 462.808.546.170 - 462.808.546.170 with Bank Indonesia
Giro pada Current accounts
bank lain 2.730.197.054 - 2.730.197.054 - - - - - - 2.730.197.054 - 2.730.197.054 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 549.985.425.169 - 549.985.425.169 - - - - - - 549.985.425.169 - 549.985.425.169 and other banks
Efek-efek - bersih 1.382.901.566.872 - 1.382.901.566.872 - - - - - - 1.382.901.566.872 - 1.382.901.566.872 Marketable securities - net
Pinjaman yang
diberikan - bersih 8.082.668.449.821 (83.576.465.124) 7.999.091.984.697 221.955.660.523 (40.136.059.175) 181.819.601.348 223.257.173.096 (93.608.322.283) 129.648.850.813 8.527.881.283.440 (217.320.846.582) 8.310.560.436.858 Loans - net
Jumlah 10.481.094.185.086 (83.576.465.124) 10.397.517.719.962 221.955.660.523 (40.136.059.175) 181.819.601.348 223.257.173.096 (93.608.322.283) 129.648.850.813 10.926.307.018.705 (217.320.846.582) 10.708.986.172.123 Total
2022
Stage 1 Stage 2 Stage 3 Jumlah/Total
Cadangan Cadangan Cadangan
kerugian kerugian kerugian Cadangan
penurunan penurunan penurunan kerugian
nilai/ Nilai tercatat nilai/ Nilai tercatat nilai/ Nilai tercatat penurunan nilai/ Nilai tercatat
Allowance for bersih/ Allowance for bersih/ Allowance for bersih/ Allowance for bersih/
Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying Nilai tercatat/ impairment Net carrying
Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount Carrying amount losses amount
Giro pada Current accounts
Bank Indonesia 406.090.896.181 - 406.090.896.181 - - - - - - 406.090.896.181 - 406.090.896.181 with Bank Indonesia
Giro pada Current accounts
bank lain 1.315.894.760 - 1.315.894.760 - - - - - - 1.315.894.760 - 1.315.894.760 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 529.376.918.859 - 529.376.918.859 - - - - - - 529.376.918.859 - 529.376.918.859 and other banks
Efek-efek - bersih 921.400.841.679 - 921.400.841.679 - - - - - - 921.400.841.679 - 921.400.841.679 Marketable securities - net
Pinjaman yang
diberikan - bersih 7.707.654.547.914 (62.342.307.340) 7.645.312.240.574 68.447.292.791 (5.476.550.931) 62.970.741.860 288.020.842.206 (66.650.001.691) 221.370.840.515 8.064.122.682.911 (134.468.859.962) 7.929.653.822.949 Loans - net
Jumlah 9.565.839.099.393 (62.342.307.340) 9.503.496.792.053 68.447.292.791 (5.476.550.931) 62.970.741.860 288.020.842.206 (66.650.001.691) 221.370.840.515 9.922.307.234.390 (134.468.859.962) 9.787.838.374.428 Total
90
Page 490
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(iii) Kualitas kredit dari aset keuangan (lanjutan) (iii) Credit quality of financial assets (continued)
Dalam hal terdapat keraguan terhadap kemampuan Where there is doubt on the ability of the borrowers to
nasabah untuk melakukan pembayaran kontraktual meet contractual payments when due, the terms of
pada saat jatuh tempo, persyaratan kredit dapat the loans might be renegotiated based on mutual
dinegosiasikan kembali berdasarkan kesepakatan agreement between the Bank and the borrowers.
antara Bank dan nasabah.
Dampak langsung dan tidak langsung atas pandemik Direct and indirect effects of the COVID-19 outbreak
COVID-19 mempengaruhi perekonomian global, pasar, are impacting the global economy, markets, and the
dan pihak lawan maupun debitur dari Bank. COVID-19 counterparties and debtor of the Bank. COVID-19 is
diperkirakan merupakan krisis jangka pendek dan expected to be short term crisis (V-curve crisis) and
manajemen telah melakukan langkah-langkah untuk management has taking actions to mitigate the
memitigasi dampak terhadap bisnis Bank sebagai impacts on the Bank's business as follow:
berikut:
- Mempersiapkan skema restrukturisasi kredit untuk - Establish various restructuring scheme which
debitur yang berdampak COVID-19. can considered for customers affected by
COVID-19.
- Melakukan penyaluran kredit yang diberikan secara - Provide loans to customers selectively with
selektif dengan menerapkan prinsip kehati-hatian. prudent principles.
- Meningkatkan upaya penagihan dan penyelesaian - Increase efforts on collections and settlements
kredit bermasalah. of non-performing loans.
- Melakukan efisiensi biaya operasional. - Manage operational expenses efficiently.
- Menerapkan manajemen risiko likuiditas secara - Implement liquidity risk management optimally
optimum untuk menjaga posisi likuiditas Bank. to secure the Bank's liquidity position.
Sehubungan dengan hal tersebut, pihak regulator juga In relation to these, the regulators has also issued
telah mengeluarkan beberapa peraturan baru yaitu, several new regulations as follows:
antara lain:
- POJK No.11/POJK.03/2020 tanggal 13 Maret 2020 - POJK No.11/POJK.03/2020 dated March 13,
tentang Stimulus Perekonomian Nasional sebagai 2020 regarding National Economy Stimulus as
Kebijakan Countercyclical Dampak Penyebaran the COVID-19 Outbreak Impact Countercyclical
COVID-19 sebagaimana diubah terakhir dengan Policy which have been amended with POJK
POJK No.17/POJK.03/2021 tanggal 10 September No.17/POJK.03/2021 dated September 10,
2021 yang bertujuan untuk mendorong optimalisasi 2021 to push the optimization of bank's
kinerja perbankan khususnya fungsi intermediasi, performance specifically for the intermediation
menjaga stabilitas sistem keuangan,dan mendukung function, manage the stability of the financial
pertumbuhan ekonomi. system, and support the economic growth.
- Siaran pers OJK No.SP28/DHMSOJK/IV/2020 - OJK press release
tentang Panduan Penerapan PSAK 71 dan PSAK 68 No.SP28/DHMSOJK/IV/2020 concerning
untuk Perbankan di Masa Pandemi COVID-19 Guidelines for the Implementation of PSAK 71
tanggal 16 April 2020. and PSAK 68 for Banking during the COVID-19
- Keputusan Dewan Komisioner Otoritas Jasa - Pandemic
Decree of dated April 16,
the Board 2020.
of Commissioners of the
Keuangan No. 34/KDK.03/2022 tentang Penetapan Financial Services Authority No.
Sektor Penyediaan Akomodasi dan Penyediaan 34/KDK.03/2022 on the Determination of the
Makan Minum, Sektor Tekstil dan Produk Tekstil Accommodation and Drinking Food Provision
Serta Alas Kaki, Segmen Usaha Mikro, Kecil, Sector, Textile and Textile Products and
Menengah, serta Provinsi Bali sebagai Sektor dan Footwear Sector, Micro, Small, Medium
Daerah yang Memerlukan Perlakuan Khusus Enterprises Segment, and Bali Province as
terhadap Kredit atau Pembiayaan Kredit. Sectors and Regions that Require Special
Treatment of Credit or Credit Financing.
91
Page 491
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(iii) Kualitas kredit dari aset keuangan (lanjutan) (iii) Credit quality of financial assets (continued)
Manajemen telah melakukan evaluasi dampak Management has evaluated the impact of the COVID-
pandemi COVID-19 terhadap perhitungan kerugian 19 pandemic on calculating expected credit loss,
kredit ekspektasian, antara lain penyesuaian terhadap including adjustments to macroeconomic variables
variable ekonomi makro yang mempengaruhi kerugian that affect 12-month expected credit losses (Stage 1)
kredit ekspektasian 12 bulan (Stage 1) dan kerugian and expected credit losses over the life of the
kredit ekspektasian sepanjang umur aset keuangan financial assets (Stage 2). Considering that the
(Stage 2). Mengingat model perhitungan kerugian expected credit loss calculation model cannot
kredit ekspektasian tidak sepenuhnya dapat produce an accurate estimation of losses in abnormal
menghasilkan estimasi kerugian yang akurat dalam economic conditions, management has also taken
kondisi ekonomi yang abnormal, maka Manajemen into account several adjustment factors to ensure the
juga sudah memperhitungkan beberapa faktor expected value of the expected credit loss recognized
penyesuaian untuk memastikan nilai kerugian kredit in the financial statements is stated fairly.
ekspektasian yang diakui dalam laporan keuangan
dinyatakan secara wajar.
Dalam menilai kondisi masa depan, manajemen telah In assessing future conditions, management has
mempertimbangkan berbagai informasi relevan yang considered various relevant information available,
tersedia, termasuk kebijakan COVID-19 yang including COVID-19 policies issued by the
dikeluarkan oleh pemerintah untuk mendukung dan government to support and mitigate the impact of the
mengurangi dampak penyebaran COVID-19 terhadap spread of COVID-19 on the economy, and
perekonomian, dan mendorong Bank untuk menunda encouragement for banks to defer or restructure
atau merestrukturisasi pinjaman. Dalam kondisi loans. Under normal conditions, a rescheduling or
normal, penjadwalan ulang atau restrukturisasi restructuring of a loan would indicate a significant
pinjaman akan menunjukkan peningkatan risiko kredit increase in credit risk and a move to Stage 2.
yang signifikan dan pindah ke Stage 2. Namun, dalam However, in the current condition and in line with
kondisi saat ini dan sejalan dengan panduan yang guidance issued by the Indonesia Institute of
dikeluarkan oleh Ikatan Akuntan Indonesia, Accountants, management have considered that
manajemen telah mempertimbangkan bahwa such a restructuring or event may not automatically
restrukturisasi atau peristiwa mungkin tidak secara trigger a significant increase in credit risk if the
otomatis memicu peningkatan risiko kredit yang borrower would be expected to recover and fulfill their
signifikan jika peminjam diharapkan untuk memulihkan contractual obligations after the end of the
dan memenuhi kewajiban kontraktual mereka setelah restructuring or relaxation period.
akhir periode restrukturisasi atau relaksasi.
Asumsi dan pertimbangan utama dalam Key assumptions and judgments in determining
menentukan kerugian kredit ekspektasian expected credit loss
Variabel Makro Ekonomi (MEV) Macro Economic Variable (MEV)
Lingkungan ekonomi yang berkembang adalah The developing economic environment is the key
penentu utama dari kemampuan nasabah Bank untuk determinant of the ability of a Bank's customer to
memenuhi kewajiban mereka saat jatuh tempo. Ini meet their obligations as they fall due. It is a
adalah prinsip dasar PSAK 71 bahwa potensi kerugian fundamental principle of PSAK 71 that the potential
kredit di masa depan harus bergantung tidak hanya future credit losses should depend not just on the
pada kesehatan ekonomi saat ini, tetapi juga harus health of the economy today, but should also take
memperhitungkan kemungkinan perubahan pada into account potential changes to the economic
lingkungan ekonomi. Misalnya, jika Bank environment. For example, if the Bank was to
mengantisipasi perlambatan tajam dalam ekonomi anticipate a sharp slowdown in the world economy,
dunia, Bank harus membentuk lebih banyak cadangan Bank should make more provisions today to absorb
hari ini untuk menyerap kerugian kredit yang the credit losses likely to occur in the near future.
kemungkinan akan terjadi dalam waktu dekat.
Untuk menangkap efek perubahan pada lingkungan To capture the effect of changes to the economic
ekonomi, model PD digunakan untuk menghitung environment, PD model is used to calculate expected
kerugian kredit ekspektasian, dengan memasukkan credit loss, by incorporating forward-looking
informasi forward looking dalam bentuk perkiraan nilai- information in the form of forecasts of the values of
nilai variabel ekonomi yang kemungkinan akan economic variables that are likely to have an effect on
berdampak pada kemampuan pembayaran kembali the repayment ability of the Bank's customer.
nasabah Bank.
92
Page 492
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
a. Risiko kredit (lanjutan) a. Credit risk (continued)
(iii) Kualitas kredit dari aset keuangan (lanjutan) (iii) Credit quality of financial assets (continued)
Asumsi dan pertimbangan utama dalam Key assumptions and judgments in determining
menentukan kerugian kredit ekspektasian expected credit loss (continued)
(lanjutan)
Berbagai MEV digunakan untuk setiap model PD, Various of MEVs are used for each PD model,
tergantung pada hasil analisis statistik kesesuaian depending on the statistical analysis result of
MEV dengan PD serta konsensus dari pakar kredit. appropriateness of the MEV with PD as well as
Diantaranya adalah Produk Domestik Bruto (PDB) dan consensus from credit expert. Amongst others are
Indeks Harga Konsumen. Gross Domestic Product (GDP) and Consumer
Pricing Index.
Bank menggunakan metode pemodelan untuk The Banks uses modeling method to forecast the
memproyeksikan MEV di masa depan. Bank MEV in the future. The Bank uses 3 modeling
menggunakan 3 skenario untuk pemodelan, yaitu scenarios, i.e. normal, lower prediction limit and
normal, batas prediksi bawah dan batas prediksi atas. upper prediction limit. The Bank will give weight to all
Bank akan memberikan bobot pada ketiga skenario three scenarios to obtain the base forecast for each
tersebut untuk memperoleh proyeksi dasar untuk MEV. All projections are updated on a yearly basis.
setiap MEV. Semua proyeksi diperbarui setiap satu
tahun.
Sensitivitas MEV terhadap ECL Sensitivity of MEV to ECL
Perhitungan ECL bergantung pada beberapa variabel The ECL calculation relies on multiple variables and
dan pada dasarnya tidak linier dan tergantung pada is inherently non-linear and portfolio-dependent,
portofolio, yang menyiratkan bahwa tidak ada analisis which implies that no single analysis can fully
tunggal yang dapat sepenuhnya menunjukkan demonstrate the sensitivity of the expected credit loss
sensitivitas kerugian kredit ekspektasian terhadap to changes in the MEVs. The Bank believes that
perubahan dalam MEV. Bank berkeyakinan bahwa sensitivity should be performed to all variables,
sensitivitas harus dilakukan terhadap seluruh variabel, instead of single variable, as this aligns with the multi-
alih-alih variabel tunggal, karena hal ini sejalan dengan variable nature of the ECL calculation.
sifat multi-variabel dari perhitungan ECL.
b. Risiko pasar b. Market risk
Risiko pasar merupakan risiko yang timbul karena adanya Market risk is the risk arising due to movements in market
pergerakan faktor pasar (adverse movement) dari factors (adverse movement) of the portfolio held by the
portofolio yang dimiliki oleh Bank, yang dapat merugikan Bank, which can be detrimental to the Bank such interest
Bank yaitu suku bunga dan nilai tukar. rates and exchange rates.
Tujuan dari manajemen risiko pasar adalah untuk The objective of market risk management is to identify,
melakukan identifikasi, pengukuran, pengendalian dan measure, control and manage the market risk exposures
pengelolaan eksposur risiko pasar dalam parameter yang within acceptable parameters, while maximizing returns.
dapat diterima, serta memaksimalkan tingkat
pengembalian.
Pemantauan terhadap risiko pasar dilakukan secara aktif Monitoring of market risk is done actively by monitoring
dengan memonitor perkembangan suku bunga Bank the progress of Bank Indonesia rate issued by Bank
Indonesia yang dikeluarkan oleh Bank Indonesia dan Indonesia and analyze the direction of interest rate
menganalisa arah pergerakan suku bunga. Bank juga movements. The Bank has also set a maximum limit that
menetapkan batas maksimum risiko pasar yang dapat can be tolerated market risks and exposures per risk type.
ditoleransi dan eksposur per jenis risiko.
Risiko suku bunga adalah potensi kerugian yang timbul Interest rate risk is the potential loss arising from interest
akibat pergerakan suku bunga di pasar yang berlawanan rate movements in the market opposite to the Bank or
dengan posisi atau transaksi Bank yang mengandung risiko transactions that contain interest rate risk.
suku bunga.
93
Page 493
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
b. Risiko pasar (lanjutan) b. Market risk (continued)
Tabel di bawah merangkum tingkat suku bunga efektif The table below summarizes the effective interest rates
setahun untuk Rupiah untuk tahun yang berakhir pada per year for Rupiah for the years ended December 31,
tanggal 31 Desember 2023 dan 2022. 2023 and 2022.
2023 2022
Aset Assets
Giro pada bank lain 0,63% 0,56% Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain and other banks
- Deposit facility 5,01% 2,93% Deposit facility -
- Term deposits 5,59% 4,12% Term deposits -
- Deposito berjangka 6,69% 5,31% Time deposits -
- Call money 5,69% 3,58% Call money -
Efek-efek Marketable securities
- Surat Utang Negara 7,39% 7,32% Government Debenture Debt -
- Obligasi Ritel Indonesia 5,57% 6,00% Indonesian Retail Bonds -
- Sukuk Ritel Negara 7,13% 6,50% State Islamic Bonds -
Pinjaman yang diberikan 10,89% 9,88% Loans
Liabilitas Liabilities
Simpanan nasabah Deposits from customers
- Giro 2,14% 2,78% Current acounts -
- Tabungan 3,06% 3,21% Savings deposits -
- Deposito berjangka 5,85% 4,61% Time deposits -
Simpanan dari bank lain Deposits from other banks
- Giro 2,79% 2,95% Current acounts -
- Tabungan 2,99% 2,73% Savings deposits -
- Deposito berjangka 5,30% 3,59% Time deposits -
--- Sheet "MR" (Catatan 39.b.)
94
Page 494
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
b. Risiko pasar (lanjutan) b. Market risk (continued)
Tabel di bawah ini mengikhtisarkan eksposur instrumen keuangan Bank pada nilai tercatatnya The table below summarizes the Bank's exposure to financial instruments on the
terhadap risiko tingkat suku bunga yang dikategorikan menurut mana yang terlebih dahulu carrying value of the interest rate risk which are categorized according to which will be
antara tanggal repricing atau tanggal jatuh tempo: the first between the date of repricing or maturity dates:
2023
Jumlah/
<1 bulan/month 1-3 bulan/months 3-12 bulan/months >12 bulan/months Total
Aset Assets
Kas 17.163.556.200 - - - 17.163.556.200 Cash
Giro pada Current accounts
Bank Indonesia 462.808.546.170 - - - 462.808.546.170 with Bank Indonesia
Giro pada bank lain 2.730.197.054 - - - 2.730.197.054 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain-bersih 549.985.425.169 - - - 549.985.425.169 and other banks - net
Efek-efek - bersih - 160.947.459.377 50.617.946.629 1.171.336.160.866 1.382.901.566.872 Marketable securities - net
Pinjaman yang diberikan-bersih 250.024.377.572 464.311.632.972 5.618.123.587.455 1.978.100.838.859 8.310.560.436.858 Loans - net
Aset lain-lain - piutang bunga 2.328.126.849 16.670.816.487 4.490.616.076 45.779.632.223 69.269.191.635 Other assets - interest recevables
Jumlah aset keuangan 1.285.040.229.014 641.929.908.836 5.673.232.150.160 3.195.216.631.948 10.795.418.919.958 Total financial assets
Liabilitas Liabilities
Simpanan dari nasabah 3.867.046.009.433 569.233.048.804 1.552.647.128.273 80.818.412.738 6.069.744.599.248 Deposits from customers
Simpanan dari bank lain 414.087.551.516 67.075.000.000 263.100.000.000 - 744.262.551.516 Deposits from other banks
Pinjaman yang diterima - - - 550.000.000.000 550.000.000.000 Borrowings
Liabilitas segera 57.419.625.960 - - - 57.419.625.960 Liabilities due immediately
Jumlah liabilitas keuangan 4.338.553.186.909 636.308.048.804 1.815.747.128.273 630.818.412.738 7.421.426.776.724 Total financial liabilities
Jumlah maturity gap (3.053.512.957.895) 5.621.860.032 3.857.485.021.887 2.564.398.219.210 3.373.992.143.234 Total maturity gap
95
Page 495
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
b. Risiko pasar (lanjutan) b. Market risk (continued)
2022
Jumlah/
<1 bulan/month 1-3 bulan/months 3-12 bulan/months >12 bulan/months Total
Aset Assets
Kas 26.413.110.800 - - - 26.413.110.800 Cash
Giro pada Current accounts
Bank Indonesia 406.090.896.181 - - - 406.090.896.181 with Bank Indonesia
Giro pada bank lain 1.315.894.760 - - - 1.315.894.760 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain-bersih 528.176.918.859 1.200.000.000 - - 529.376.918.859 and other banks - net
Efek-efek - bersih - - 31.193.262.700 890.207.578.979 921.400.841.679 Marketable securities - net
Pinjaman yang diberikan-bersih 369.295.696.597 250.251.780.010 5.639.939.399.248 1.670.166.947.094 7.929.653.822.949 Loans - net
Aset lain-lain - piutang bunga 58.047.265.689 - - - 58.047.265.689 Other assets - interest recevables
Jumlah aset keuangan 1.389.339.782.886 251.451.780.010 5.671.132.661.948 2.560.374.526.073 9.872.298.750.917 Total financial assets
Liabilitas Liabilities
Simpanan dari nasabah 3.672.016.606.202 1.048.158.793.091 386.692.750.186 261.743.823.039 5.368.611.972.518 Deposits from customers
Simpanan dari bank lain 207.185.213.077 44.146.700.130 335.750.000.000 13.000.000.000 600.081.913.207 Deposits from other banks
Pinjaman yang diterima - - 100.000.000.000 400.000.000.000 500.000.000.000 Borrowings
Liabilitas segera 80.974.154.780 - - - 80.974.154.780 Liabilities due immediately
Jumlah liabilitas keuangan 3.960.175.974.059 1.092.305.493.221 822.442.750.186 674.743.823.039 6.549.668.040.505 Total financial liabilities
Jumlah maturity gap (2.570.836.191.173) (840.853.713.211) 4.848.689.911.762 1.885.630.703.034 3.322.630.710.412 Total maturity gap
c. Risiko likuiditas c. Liquidity risk
Risiko likuiditas adalah risiko yang disebabkan oleh ketidakmampuan Bank dalam memenuhi Liquidity risk is the risk caused by the inability of the Bank to meet obligations that have
kewajiban yang telah jatuh tempo dan menutup posisi di pasar. Risiko likuiditas merupakan matured and closed position in the market. Liquidity risk is the most important risks for
risiko yang terpenting pada bank umum dan perlu dikelola secara berkesinambungan. commercial banks and need to be managed sustainably.
Pemantauan risiko likuiditas dilaksanakan dengan memonitor kewajiban yang akan jatuh tempo, Liquidity risk management is carried out, by monitoring obligations which will mature, to
melakukan observasi atas pengelolaan dana melalui maturity profile antara lain seperti make observations on the management of funds through maturity profile, among others
pembelian SBI. such as the purchase of SBI.
Analisa maturity gap adalah untuk mengukur beda kumulatif dari aset produktif dengan Maturity gap analysis is to measure the cumulative difference of productive assets to
kewajiban berbunga dan dampaknya terhadap likuiditas Bank. interest bearing liabilities and the impact on liquidity.
96
Page 496
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
c. Risiko likuiditas (lanjutan) c. Liquidity risk (continued)
Pemantauan risiko likuiditas dilaksanakan dengan memonitor kewajiban yang akan jatuh tempo, Liquidity risk management is carried out, by monitoring obligations which will mature, to
melakukan observasi atas pengelolaan dana melalui maturity profile. make observations on the management of funds through maturity profile.
Tabel dibawah ini menyajikan analisa jatuh tempo aset dan liabilitas Bank berdasarkan jangka The table below presents the maturity analysis of assets and liabilities of the Bank
waktu yang tersisa sampai tanggal jatuh tempo kontrak: based on the remaining period until the maturity date of the contract:
2023
Tidak memiliki
jatuh tempo/ Kurang dari 1 Lebih dari 12 bulan/
Nilai tercatat/ Does not have a bulan/ >3-12 More than 12
Carrying amount maturity Less than 1 month >1-3 bulan/months bulan/months months
Aset Assets
Kas 17.163.556.200 17.163.556.200 - - - - Cash
Giro pada Bank Indonesia 462.808.546.170 462.808.546.170 - - - Current accounts with Bank Indonesia
Giro pada bank lain 2.730.197.054 2.730.197.054 - - - Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 549.985.425.169 - 549.985.425.169 - - - and other banks
Efek-efek 1.382.901.566.872 - - 160.947.459.377 50.617.946.629 1.171.336.160.866 Marketable securities
Pinjaman yang diberikan 8.527.881.283.440 - 283.697.819.383 2.015.223.877.678 502.389.913.599 5.726.569.672.780 Loans
Aset tetap - bersih 130.722.320.727 130.722.320.727 - - - - Fixed assets - net
Aset takberwujud - bersih 24.825.228.281 24.825.228.281 - - - - Intangible assets - net
Aset hak guna - bersih 22.599.367.204 22.599.367.204 - - - - Right of use assets - net
Aset lain-lain 170.854.439.370 101.585.247.735 69.269.191.635 - - - Other assets
11.292.471.930.487 762.434.463.371 902.952.436.187 2.176.171.337.055 553.007.860.228 6.897.905.833.646
Penyisihan kerugian Allowance for
penurunan nilai (217.320.846.582) impairment losses
11.075.151.083.905
97
Page 497
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
c. Risiko likuiditas (lanjutan) c. Liquidity risk (continued)
2023
Tidak memiliki
jatuh tempo/ Kurang dari 1 Lebih dari 12 bulan/
Nilai tercatat/ Does not have a bulan/ >3-12 More than 12
Carrying amount maturity Less than 1 month >1-3 bulan/months bulan/months months
Liabilitas Liabilities
Liabilitas segera 57.419.625.960 712.024.047 29.425.987.928 27.281.613.985 - - Liabilities due immediately
Simpanan dari nasabah 6.069.744.599.248 1.252.845.076.656 2.614.200.932.777 569.233.048.804 1.552.647.128.273 80.818.412.738 Deposits from customers
Simpanan dari bank lain 744.262.551.516 196.637.551.516 217.450.000.000 67.075.000.000 263.100.000.000 - Deposits from other banks
Pinjaman yang diterima 550.000.000.000 - - - - 550.000.000.000 Borrowings
Utang pajak 11.219.855.469 - 11.219.855.469 - - - Taxes payable
Liabilitas imbalan pasca kerja 15.193.883.496 - - - - 15.193.883.496 Post-employment benefit liabilities
Liabilitas sewa 9.845.058.629 - 456.692.850 1.830.475.859 3.064.368.950 4.493.520.970 Lease liabilities
Liabilitas pajak tangguhan - bersih 11.175.871.878 - - 11.175.871.878 - - Deferred tax liabilities - net
Liabilitas lain-lain 21.804.119.381 6.542.846.734 - 15.261.272.647 - - Other liabilities
7.490.665.565.577 1.456.737.498.953 2.872.753.469.024 691.857.283.173 1.818.811.497.223 650.505.817.204
Perbedaan jatuh tempo 3.801.806.364.910 (694.303.035.582) (1.969.801.032.837) 1.484.314.053.882 (1.265.803.636.995) 6.247.400.016.442 Maturity gap
Posisi neto setelah penyisihan Net position, net of allowance
kerugian penurunan nilai 3.584.485.518.328 for impairment losses
98
Page 498
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
c. Risiko likuiditas (lanjutan) c. Liquidity risk (continued)
2022
Tidak memiliki
jatuh tempo/ Kurang dari 1 Lebih dari 12 bulan/
Nilai tercatat/ Does not have a bulan/ >3-12 More than 12
Carrying amount maturity Less than 1 month >1-3 bulan/months bulan/months months
Aset Assets
Kas 26.413.110.800 26.413.110.800 - - - - Cash
Giro pada Bank Indonesia 406.090.896.181 406.090.896.181 - - - Current accounts with Bank Indonesia
Giro pada bank lain 1.315.894.760 1.315.894.760 - - - Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 529.376.918.859 - 528.176.918.859 1.200.000.000 - - and other banks
Efek-efek 921.400.841.679 - - - 31.193.262.700 890.207.578.979 Marketable securities
Pinjaman yang diberikan 8.064.122.682.911 - 397.831.439.193 1.684.298.119.768 259.534.546.052 5.722.458.577.898 Loans
Aset tetap - bersih 114.081.070.833 114.081.070.833 - - - - Fixed assets - net
Aset takberwujud - bersih 31.516.464.324 31.516.464.324 - - - - Intangible assets - net
Aset hak guna - bersih 15.391.736.545 15.391.736.545 - - - - Right of use assets - net
Aset lain-lain 208.170.478.607 150.123.212.918 58.047.265.689 - - - Other assets
10.317.880.095.499 744.932.386.361 984.055.623.741 1.685.498.119.768 290.727.808.752 6.612.666.156.877
Penyisihan kerugian Allowance for
penurunan nilai (134.468.859.962) impairment losses
10.183.411.235.537
Liabilitas Liabilities
Liabilitas segera 80.974.154.780 960.468.389 21.132.466.660 58.881.219.731 - - Liabilities due immediately
Simpanan dari nasabah 5.368.611.972.518 1.152.425.440.869 2.519.591.165.333 1.048.158.793.091 386.692.750.186 261.743.823.039 Deposits from customers
Simpanan dari bank lain 600.081.913.207 125.168.308.967 82.016.904.110 44.146.700.130 335.750.000.000 13.000.000.000 Deposits from other banks
Pinjaman yang diterima 500.000.000.000 - - - 100.000.000.000 400.000.000.000 Borrowings
Utang pajak 14.327.487.501 - 14.327.487.501 - - - Taxes payable
Liabilitas imbalan pasca kerja 14.307.834.536 - - - - 14.307.834.536 Post-employment benefit liabilities
Pendapatan diterima dimuka 36.297.405 - 36.297.405 - - - Unearned revenue
Liabilitas sewa 9.265.402.019 - 369.280.350 1.247.523.228 3.452.828.169 4.195.770.272 Lease liabilities
Liabilitas pajak tangguhan - bersih 10.167.621.299 - - 10.167.621.299 - - Deferred tax liabilities - net
Liabilitas lain-lain 33.278.905.260 10.585.217.898 - 22.693.687.362 - - Other liabilities
6.631.051.588.525 1.289.139.436.123 2.637.473.601.359 1.185.295.544.841 825.895.578.355 693.247.427.847
Perbedaan jatuh tempo 3.686.828.506.974 (544.207.049.762) (1.653.417.977.618) 500.202.574.927 (535.167.769.603) 5.919.418.729.030 Maturity gap
Posisi neto setelah penyisihan Net position, net of allowance
kerugian penurunan nilai 3.552.359.647.012 for impairment losses
99
Page 499
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
d. Risiko operasional d. Operational risk
Risiko operasional berhubungan dengan risiko kerugian Operational risks associated with the risk of loss faced by
yang dihadapi Bank akibat dari pelanggaran karyawan, the Bank as a result of violations of employees,
tidak berfungsinya proses internal, kegagalan sistem dan malfunction of the internal processes, system failures and
masalah-masalah dari eksternal yang mempengaruhi external problems affecting the operations of the Bank.
operasional Bank.
Fokus penerapan manajemen risiko operasional adalah The focus of the implementation of operational risk
pelaksanaan pengawasan internal yang melekat di dalam management is implementation of internal control that is
setiap proses operasional, peningkatan risk awareness inherent in every operational processes, increased risk
dan pengelolaan risiko produk dan aktivitas baru. Selain itu awareness and risk management products and activities.
juga melakukan pelaksanaan tindakan darurat pada saat In addition, it also implements emergency actions during
kondisi bencana dengan penerapan Business Continuity disaster conditions by implementing Business Continuity
Management (BCM). Management (BCM).
Pengawasan internal dilakukan dengan memastikan bahwa Internal monitoring is done to ensure that all operational
semua aktivitas operasional telah mematuhi ketentuan activities are in compliance with internal and external
internal dan eksternal. Setiap tindakan penyimpangan regulations. Every action settlement is deal with
ditangani penyelesaiannya dengan melibatkan unit internal irregularities involving the internal audit unit and other
audit dan unit kerja lain yang terkait. related units.
e. Risiko hukum e. Legal risk
Risiko hukum merupakan risiko yang disebabkan oleh Legal risk is the risk caused by deficiencies in the juridical
adanya kelemahan aspek yuridis, yang antara lain aspect, which is partly due to lawsuits, the absence of
disebabkan adanya tuntutan hukum, ketiadaan peraturan legislation that supports or weakness of such non-
perundang-undangan yang mendukung atau kelemahan compliance with the terms of binding contract and validity
pengikatan seperti tidak dipenuhinya syarat sahnya kontrak of collateral.
dan pengikatan agunan.
Pengelolaan risiko hukum dilakukan untuk memastikan Legal risk management is done to ensure that all activities
agar seluruh aktivitas dan hubungan kegiatan usaha Bank of the Bank's and its relationships with third parties is
dengan pihak ketiga didasarkan pada aturan dan based on rules and requirements which protects the
persyaratan yang dapat melindungi kepentingan Bank dari interests of the Bank in law.
segi hukum.
f. Risiko strategis f. Strategic risk
Pelaksanaan strategi, visi dan misi yang tidak tepat serta Implementation of the strategy, vision and mission
pengambilan keputusan bisnis yang tidak sejalan dengan improper and business decisions that are not in line with
perubahan eksternal dapat mempengaruhi kelangsungan the external changes could affect the continuity of Bank's
bisnis Bank. business.
Dalam kaitannya dengan hal tersebut di atas, bank telah In connection with the foregoing, the bank has
membentuk, merumuskan, menyusun dan memantau established, formulate, organize and monitor the
pelaksanaan strategi termasuk corporate and business implementation of the strategies including preparation of
plan. Selain itu bank menetapkan sejumlah indikator corporate and business plan. In addition the bank set a
penting yang disesuaikan dengan kecukupan aset, number of important indicators that are tailored to the
permodalan dan kondisi perubahan pasar agar bisnis bank adequacy of assets, capital and market conditions change
tetap tumbuh dan terus meningkatkan kepercayaan bagi so that the bank's business will continue to grow and
para stakeholder dan shareholder. continue to increase the trust of the stakeholders and
shareholders.
g. Risiko kepatuhan g. Compliance risk
Risiko kepatuhan merupakan risiko yang timbul ketika Bank Compliance risk is the risk that arises when the Bank does
tidak mematuhi atau tidak melaksanakan peraturan not comply or do not implement laws and other rules.
perundang-undangan dan ketentuan lain yang berlaku. Compliance risk, if not managed properly, will potentially
Risiko kepatuhan, jika tidak dikelola dengan baik, imposed of fines, penalties, or damage to reputation.
berpotensi pada pengenaan denda, hukuman, atau
rusaknya reputasi.
Hal penting dalam penerapan risiko kepatuhan adalah It is important in the implementation of compliance risk is
untuk memastikan dipatuhinya ketentuan-ketentuan to ensure compliance with the provisions of the
eksternal/internal sebelum kebijakan atau prosedur external/internal policies or procedures approved before
disetujui direksi termasuk keputusan-keputusan directors including management decisions to be taken.
manajemen yang akan diambil.
100
Page 500
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
g. Risiko kepatuhan (lanjutan) g. Compliance risk (continued)
Selain itu, pemantauan pencapaian posisi rasio-rasio In addition, monitoring the achievement of the position of
keuangan penting dilakukan secara rutin dan berkala. the key financial ratios is conducted regularly and
periodically.
h. Risiko reputasi h. Reputation risk
Risiko reputasi adalah risiko akibat menurunnya tingkat Reputation risk is the risk due to decreased levels of
kepercayaan stakeholder yang bersumber dari persepsi stakeholder confidence that comes from a negative
negatif terhadap Bank. perception of the Bank.
Identifikasi risiko reputasi dilakukan secara berkala sesuai Identification of reputation risk is performed regularly in
dengan pengalaman kerugian di masa lalu yang accordance with past experience losses due to reputation
disebabkan oleh risiko reputasi. Penilaian risiko reputasi risk. The risk assessment is conducted qualitatively
dilakukan secara kualitatif antara lain bersumber dari among other sources of news and negative comments
pemberitaan dan komentar negatif yang muncul dari arising from the public and customer complaints against
masyarakat dan keluhan nasabah terhadap pelayanan banking services, behavior of bank employees in serving
bank, perilaku karyawan bank dalam melayani nasabah customers and communication systems of the Bank.
dan sistem komunikasi Bank.
Dalam rangka pemantauan risiko reputasi, dibangun sistem In order to monitor the risk of reputation, a reputation that
pemantauan reputasi yang dirancang agar dapat secara is built in monitoring system is designed to routinely check
rutin memeriksa transaksi, peraturan, teknologi, dan tren transactions, regulations, technology and trend
perkembangan dan perubahan yang berpotensi developments and changes that may affect the Bank's
mempengaruhi bisnis Bank. Dalam hal ini Bank melakukan business. In this case, the Bank analyzes the gap
analisa kesenjangan antara kinerja Bank dan harapan between the Bank's performance and the expectations of
stakeholder pada umumnya dan nasabah pada khususnya, stakeholders in general and customers in particular, and
dan melakukan pencatatan terhadap hal-hal yang records things that have the potential to cause
berpotensi menimbulkan risiko reputasi serta dengan reputational risk and by optimizing the functions of the
mengoptimalkan fungsi satuan kerja yang work unit responsible for managing reputational risk,
bertanggungjawab mengelola risiko reputasi yaitu divisi namely the Human Capital division, Service Quality and
Human Capital , unit Service Quality and Complain Complain Handling unit.
Handling .
i. Manajemen risiko permodalan i. Capital risk management
Tujuan utama dari kebijakan Bank atas kebijakan The primary objectives of the Bank’s capital management
pengelolaan modal adalah untuk memastikan bahwa Bank policy are to ensure that the Bank has a strong capital to
memiliki modal yang kuat untuk mendukung strategi support the Bank’s business expansion strategy currently,
pengembangan ekspansi usaha Bank saat ini dan to sustain future development of the business, to meet
mempertahankan kelangsungan pengembangan di masa regulator capital adequacy requirements and also to
mendatang serta untuk memenuhi ketentuan kecukupan ensure the efficiency of Bank’s capital structure.
permodalan yang ditetapkan oleh regulator serta
memastikan agar struktur permodalan Bank telah efisien.
Bank menyusun Rencana Permodalan berdasarkan The Bank undertakes Capital Planning based on
penilaian dan penelaahan atas kebutuhan kecukupan assessment and review of the capital situation in terms of
permodalan yang dipersyaratkan dan the legal capital adequacy requirement, combined with
mengkombinasikannya dengan tinjauan perkembangan assessment of economic outlooks. The Bank will continue
ekonomi terkini. Bank senantiasa akan menghubungkan to link financial and capital adequacy goals to risk which
tujuan keuangan dan kecukupan modal terhadap risiko can be tolerated appetite through the capital planning
yang dapat ditoleransi melalui proses perencanaan modal, process method as well as assess the businesses based
begitu pula dengan bisnis yang disesuaikan dengan tingkat on Bank’s capital and liquidity requirements.
permodalan dan persyaratan likuiditas Bank.
Kebutuhan permodalan Bank juga direncanakan dan The capital needs of the Bank are also discussed and
didiskusikan secara rutin yang didukung dengan data-data planned on a routine basis supported by data analysis.
analisis.
Rencana Permodalan disusun oleh Dewan Direksi sebagai Capital Planning is prepared by the Board of Directors as
bagian dan Rencana Bisnis Bank dan disetujui oleh Dewan part of Bank’s business plan and is approved by the Board
Komisaris. Perencanaan ini diharapkan akan memastikan of Commissioners. Capital Planning ensures that
tersedianya modal yang cukup dan terciptanya struktur adequate levels of capital and strong mix of the different
permodalan yang kuat guna mendukung pertumbuhan components of capital are maintained to support business
bisnis ke depan. growth in the future.
101
Page 501
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
i. Manajemen risiko permodalan (lanjutan) i. Capital risk management (continued)
Otoritas Jasa Keuangan (OJK) menentukan dan The Financial Services Authority (OJK) sets and monitors
mengawasi kebutuhan modal Bank. Bank diwajibkan untuk capital requirements for the Bank. The Bank is required to
mentaati peraturan yang berlaku dalam hal ini modal yang comply with prevailing regulation in respect of regulatory
diwajibkan regulator. Pendekatan Bank terhadap capital. The Bank's approach to capital management is
pengelolaan modal ditentukan oleh strategi dan driven by bank's strategy and organisational requirements,
persyaratan organisasi bank, dengan memperhitungkan taking into account the regulatory, economic and
peraturan, serta keadaan ekonomi dan komersial. commercial environment.
Bank mematuhi semua persyaratan modal yang ditetapkan The Bank has complied with all regulatory imposed capital
oleh pihak regulator sepanjang periode pelaporan, requirements throughout the reporting period, particularly
khususnya berkenaan dengan perhitungan Kewajiban regarding Capital Adequacy Ratio (CAR) and calculation
Penyediaan Modal Minimum (KPMM) dan Aktiva of Risk Weighted Assets (RWA).
Tertimbang Menurut Risiko (ATMR).
Bank menghitung kebutuhan modal berdasarkan Peraturan Bank calculates its capital requirements in accordance
Otoritas Jasa Keuangan No.27 Tahun 2022 tentang with Financial Services Authority Regulation No. 27 Year
Kewajiban Penyediaan Modal Minimum Bank Umum" dan 2022 about Minimum Capital Reserve or Commercial
Surat Edaran OJK No.43/SEOJK.03/2016 tentang Bank"and OJK Circular Letter No.43/SEOJK.03/2016
"Transparansi dan Publikasi Laporan Bank Umum about "Transparency and Publication Conventional
Konvensional", dimana modal yang diwajibkan regulator Commercial Bank Report", where the regulatory capital is
dianalisa dalam dua tier sebagai berikut: analysed into two tiers as follows:
1. Modal inti (tier 1), yang terdiri dari modal inti utama dan 1. Tier 1 capital, which consists of core and additional
modal inti tambahan. Modal inti utama antara lain core capital. Core capital includes issued and fully
meliputi modal ditempatkan dan disetor penuh, paid-up capital, additional paid-in capital, general
tambahan modal disetor, cadangan umum, laba tahun- reserve, specific reserve, retained earnings and profit
tahun lalu dan periode/tahun berjalan (100%), for the period/year (100%), other comprehensive
penghasilan komprehensif lainnya berupa potensi income deriving from potential gain/loss from the
keuntungan/kerugian yang berasal dari perubahan nilai changes in fair value of financial assets classified as
wajar aset keuangan dalam kelompok tersedia untuk available-for-sale, shortfall between allowable amount
dijual, selisih kurang dari penyisihan penghapusan aset of allowance for uncollectible account on productive
produktif sesuai ketentuan Bank Indonesia dan assets according to Bank Indonesia guideline and
cadangan kerugian penurunan nilai aset produktif yang allowance for impairment losses on productive
diperbolehkan. Aset pajak tangguhan, aset assets. Deferred tax assets, intangible assets
takberwujud (termasuk goodwill ) dan penyertaan (including goodwill) and share investments (100%)
(100%) merupakan faktor pengurang modal inti utama. are deducted from core capital. Additional core
Modal inti tambahan antara lain terdiri dari saham capital includes non-cumulative preference shares,
preferen, surat berharga subordinasi dan pinjaman subordinated securities and subordinated debts net of
subordinasi dimana ketiganya bersifat non-kumulatif buyback portion.
setelah dikurangi pembelian kembali.
2. Modal pelengkap (tier 2) antara lain meliputi surat 2. Supplementary capital (tier 2), which includes
berharga subordinasi dan pinjaman subordinasi serta subordinated securities and subordinated debts and
penyisihan penghapusan aset produktif sesuai allowance for uncollectible account on productive
ketentuan Otoritas Jasa Keuangan. assets according to Financial Service Authority.
Beberapa batasan berlaku untuk bagian-bagian modal Various limits have been set to elements of the regulatory
yang diwajibkan oleh regulator, antara lain Bank wajib capital, such as Banks are required to provide core capital
menyediakan modal inti (tier 1) paling rendah sebesar 6% (tier 1) at a minimum of 6% from Risk Weighted Assets
dari ATMR dan modal inti utama (Common Equity tier 1) and Common Equity tier 1 at a minimum of 4.5% from
paling rendah sebesar 4,5% dari ATMR. Risk Weighted Assets.
1. Modal tier 1, meliputi modal ditempatkan dan disetor 1. Tier 1 capital, which includes issued and fully paid
penuh, cadangan umum, saldo laba dan laba periode share capital, general reserve, retained earnings and
berjalan. profit for the period.
2. Modal tier 2, meliputi penyisihan kerugian penurunan 2. Tier 2 capital, which includes the eligible amount of
nilai yang diperbolehkan. allowance for impairment losses.
102
Page 502
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
i. Manajemen risiko permodalan (lanjutan) i. Capital risk management (continued)
Bank tidak mempunyai modal tambahan lain yang The Bank does not have any other supplementary capital
memenuhi kriteria modal tier 3 sesuai dengan peraturan which meets the criteria of tier 3 capital under prevailing
Bank Indonesia yang berlaku. Bank Indonesia regulation.
Berbagai batasan telah diterapkan untuk bagian-bagian Various limits are applied to elements of the regulatory
modal yang diwajibkan oleh regulator. Pengaruh dari pajak capital. The effect of deferred taxation has been excluded
tangguhan telah dikeluarkan dalam menentukan jumlah in determining the amount of retained earnings for tier 1
saldo laba untuk modal tier 1; hanya 50 persen laba capital; only 50 percent of the profit for the period before
periode berjalan sebelum pajak tangguhan yang dapat deferred taxation being included in tier 1 capital; and
diperhitungkan dalam modal tier 1; dan modal tier 2 tidak qualifying tier 2 capital cannot exceed tier 1 capital. There
boleh melebihi modal tier 1. Juga terdapat batasan jumlah is also a restriction on the amount of collective impairment
penyisihan kolektif penurunan nilai yang boleh dimasukkan allowances that may be included as part of tier 2 capital.
sebagai bagian dari modal tier 2.
Aset Tertimbang Menurut Risiko ("ATMR") Bank ditentukan The Bank's weighted assets risk ("WAR") are determined
berdasarkan persyaratan yang telah ditentukan yang according to specified requirements that seek to reflect
mencerminkan berbagai tingkatan risiko yang terkait the varying levels of risk attached to assets and
dengan aset dan eksposur, yang tidak tercermin dalam exposures not recognized in the statements of financial
laporan posisi keuangan. Berdasarkan peraturan Bank position. Based on Central Bank regulations, the Bank
Indonesia, Bank diharuskan untuk mempertimbangkan needs to take into consideration its credit risk, market risk
risiko kredit, risiko pasar dan risiko operasional dalam and operational risk in measuring the WAR.
mengukur ATMR Bank.
Kebijakan Bank adalah menjaga modal yang kuat untuk The Bank's policy is to maintain a strong capital base so
menjaga kepercayaan pemodal, kreditur dan pasar dan as to maintain investor, creditor and market confidence
untuk mempertahankan perkembangan bisnis di masa and to sustain future development of business. The impact
depan. Pengaruh tingkat modal terhadap tingkat of the level of capital on shareholders' return is also
pengembalian ke pemegang saham juga diperhitungkan recognized and the Bank also recognize the need to
dan Bank juga memahami perlunya menjaga maintain a balance between the higher return that might
keseimbangan antara tingkat pengembalian yang tinggi, be possible with greater gearing and the advantages and
yang dimungkinkan dengan gearing yang lebih besar serta security level afforded by a strong capital position.
keuntungan-keuntungan dan tingkat keamanan yang
didapat dari posisi modal yang kuat.
Manajemen menggunakan rasio permodalan yang Management uses regulatory capital ratios in order to
diwajibkan regulator untuk memantau permodalan Bank monitor its capital base, and these capital ratios remain
dan rasio-rasio modal ini tetap menjadi standar industri the industry standards for measuring capital adequacy.
untuk mengukur kecukupan modal. Pendekatan OJK untuk OJK’s approach to such measurement is primarily based
pengukuran ini terutama didasarkan pada pemantauan on monitoring the relationship of the Bank’s risk profile
hubungan antara profil risiko Bank dengan ketersediaan with the available capital. The Bank is required to provide
modal. Bank wajib menyediakan modal minimum sesuai minimum capital based on the risk profile.
profil risiko.
Penyediaan modal minimum sebagaimana dimaksud Minimum capital requirements are as follows:
ditetapkan sebagai berikut:
a. Untuk profil risiko peringkat 1 (satu), modal minimum a. For banks with risk profile rating 1 (one), the minimum
terendah yang wajib dimiliki adalah 8% dari Aset capital requirement is 8% of Risk Weighted Asset;
Tertimbang Menurut Risiko;
b. Untuk profil risiko peringkat 2 (dua), modal minimum b. For banks with risk profile rating 2 (two), the minimum
terendah yang wajib dimiliki adalah 9% sampai dengan capital requirement is 9% to less than 10% of Risk
kurang dari 10% dari Aset Tertimbang Menurut Risiko; Weighted Asset;
c. Untuk profil risiko peringkat 3 (tiga), modal minimum c. For banks with risk profile rating 3 (three), the
terendah yang wajib dimiliki adalah 10% sampai minimum capital requirement is 10% to less than 11%
dengan kurang dari 11% dari Aset Tertimbang Menurut of Risk Weighted Asset;
Risiko;
d. Untuk profil risiko peringkat 4 (empat) atau 5 (lima), d. For banks with risk profile rating 4 (four) or 5 (five),
modal minimum terendah yang wajib dimiliki adalah the minimum capital requirement is 11% to less than
11% sampai dengan kurang dari 14% dari Aset 14% of Risk Weighted Asset.
Tertimbang Menurut Risiko.
103
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The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
39. MANAJEMEN RISIKO (lanjutan) 39. RISK MANAGEMENT (continued)
i. Manajemen risiko permodalan (lanjutan) i. Capital risk management (continued)
Posisi modal yang diwajibkan regulator Bank sesuai The Bank's regulatory capital position under prevailing
Peraturan Otoritas Jasa Keuangan (POJK) yang berlaku Financial Services Authority Regulation (POJK) as of
pada tanggal 31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022 was as follows:
berikut:
2023 2022
(dalam jutaan Rupiah / in million Rupiah)
Modal inti (Tier 1) Core capital (Tier 1)
Modal inti utama (CET 1) 3.505.265 3.464.082 Common equity tier (CET 1)
Modal inti tambahan (AT 1) - - Additional equity tier (AT 1)
3.505.265 3.464.082
Modal pelengkap (Tier 2) 79.084 73.639 Supplementary capital (Tier 2)
Jumlah modal 3.584.349 3.537.721 Total capital
Aset Tertimbang Menurut Risiko Risk Weighted Asset
Risiko kredit 6.952.305 6.787.689 Credit risk
Risiko operasional 329.425 633.506 Operational risk
Risiko pasar - - Market risk
Total Aset Tertimbang Menurut Risiko 7.281.730 7.421.195 Total Risk Weighted Asset
Rasio kecukupan modal Capital Adequacy Ratio
Rasio CET 1 48,14% 46,68% CET 1 Ratio
Rasio tier 1 48,14% 46,68% Tier 1 Ratio
Rasio tier 2 1,09% 0,99% Tier 2 Ratio
Rasio modal terhadap ATMR 49,22% 47,67% Ratio of capital to ATMR
Rasio Kewajiban Penyediaan Modal 9,00% - <10,00% 9,00% - <10,00% Required Minimun Capital
Minimum yang diwajibkan Adequacy Ratio
Berdasarkan self-assessment Bank, pada tanggal 31 Based on its self-assessment, as of December 31, 2022
Desember 2022 dan 2021 profil risiko Bank dinilai berada and 2021 the Bank’s risk profile is assessed to be in rating
pada peringkat 2. Oleh karena itu, Bank berkewajiban 2. Therefore, the Bank is required to provide a mínimum
untuk memenuhi modal minimum sebesar 9% sampai capital of 9% to less than 10%. The Bank Capital
dengan kurang dari 10%. Kewajiban Penyediaan Modal Adequate Ratio was 49.22% and 47.67%, which was
Minimum Bank berada pada level di atas modal minimum higher than the required minimum provision of capital.
yang diwajibkan tersebut, yaitu sebesar 49,22% dan
47,67%.
40. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN 40. GOVERNMENT GUARANTEES ON THE OBLIGATIONS OF
PEMBAYARAN BANK UMUM COMMERCIAL BANKS
Berdasarkan Keputusan Presiden Republik Indonesia No.15 Based on Article 8 of the Decision No.15 year 2004 of the
tahun 2004 tentang pengakhiran tugas dan pembubaran Badan President of the Republic of Indonesia regrading the
Penyehatan Perbankan Nasional (BPPN), dinyatakan dalam termination of the role and winding-up of the Indonesian Bank
pasal 8 bahwa dengan diakhirinya tugas dan dibubarkannya Restructuring Agency (BPPN), the Government Guarantee
BPPN, Program Penjaminan Pemerintah terhadap kewajiban Program on the obligations of domestic banks, which was
pembayaran bank umum yang semula dilakukan oleh BPPN originally handled by IBRA based on the Decisions of the
berdasarkan Keputusan Presiden Republik Indonesia No.26 President of the Republic of Indonesia No.26 year 1998 and
tahun 1998 dan Keputusan Presiden Republik Indonesia No.27 No.27 year 1998, shall be handled by the Ministry of Finance,
tahun 1998, selanjutnya dilaksanakan oleh Menteri Keuangan specifically by the Government Guarantee Implementation Unit
melalui Unit Pelaksanaan Penjaminan Pemerintah (UP3) (Unit Pelaksanaan Penjaminan Pemerintah/UP3) as provided
sebagaimana diatur oleh Keputusan Presiden Republik in the Decision of the President of the Republic of Indonesia
Indonesia No.17 tahun 2004, yang diatur lebih lanjut dengan No.17 year 2004, which was futher regulated by the Decision
Keputusan Menteri Keuangan No.84/KMK.06/2004 tanggal 27 No.84/KMK.06/2004 dated February 27, 2004 of the Ministry of
Pebruari 2004 tentang Perubahan atas Keputusan Menteri Finance regarding the Amendment of Decision
Keuangan Republik Indonesia No.179/KMK.017/2000 tentang No.179/KMK.017/2000 of the Ministry of Finance of the Term,
Syarat, Tatacara dan Ketentuan Pelaksanaan Jaminan Implementing Guidelines and Conditions of the Goverment
Pemerintah terhadap Kewajiban Pembayaran Bank Umum. Guarantee on the obligations of commercial banks.
104
Page 504
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
40. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN 40. GOVERNMENT GUARANTEES ON THE OBLIGATIONS OF
PEMBAYARAN BANK UMUM (lanjutan) COMMERCIAL BANKS (continued)
Program Penjaminan Pemerintah melalui UP3 telah berakhir The Guarantee Program by the Government through UP3
pada tanggal 22 September 2005, sebagaimana dinyatakan ended on September 22, 2005, as stated in Regulation
dalam Peraturan Menteri Keuangan Republik Indonesia No.68/PMK.05/2005 dated August 10, 2005 of the Ministry of
No.68/PMK.05/2005 tanggal 10 Agustus 2005 tentang Finance concerning the Calculation and Payment of Premium
Perhitungan dan Pembayaran Premi Program Penjaminan on Guarantee Program from Commercial Banks for the period
Terhadap Pembayaran Bank Umum untuk periode 1 Juli sampai July 1 to September 21, 2005. To replace UP3, the
21 September 2005. Sebagai pengganti UP3, Pemerintah telah Government was formed an independent institution there is the
membentuk Lembaga Independen yaitu Lembaga Penjaminan Indonesia Deposit Insurance Corporation (Lembaga
Simpanan (LPS). Berdasarkan Undang-Undang No.24 tanggal Penjaminan Simpanan/LPS). Based on Law No.24 dated
22 September 2004, sebagaimana diubah terakhir dengan September 22, 2004, which have been amended Law No.4
Undang-Undang No.4 Tahun 2023 tanggal 12 Januari 2023 Year 2023 dated January 12, 2023 regarding Development and
tentang Pengembangan dan Penguatan Sektor Keuangan, LPS Strengthening of Financial Sector, LPS was formed to
dibentuk untuk menjamin kewajiban tertentu bank-bank umum guarantee certain liabilities of commercial banks under the
berdasarkan program penjaminan yang berlaku, yang besaran applicable guarantee program, the amount of such guarantee
nilai jaminannya dapat berubah jika memenuhi kriteria tertentu is subject to change if the situation complies with certain valid
yang berlaku. criteria.
Berdasarkan Peraturan Pemerintah Republik Indonesia No.66 Based on Government Regulation No.66 year 2008 dated
tahun 2008 tanggal 13 Oktober 2008 mengenai Besarnya Nilai October 13, 2008 regarding the Amount of Deposit Guarantee
Simpanan yang Dijamin Lembaga Penjamin Simpanan, jumlah by the Indonesia Deposit Insurance Corporation, the amount of
simpanan yang dijamin LPS adalah simpanan sampai dengan deposit covered by LPS is up to Rp2,000,000,000 per
Rp2.000.000.000 untuk per nasabah per bank. Simpanan depositor per bank. Customer deposits are covered only if the
nasabah dijamin hanya jika suku bunganya sama dengan atau rate of interest is equal to or below 4.25% and 3.75% as of
dibawah 4,25% dan 3,75% pada tanggal 31 Desember 2023 December 31, 2023 and 2022.
dan 2022.
Pada tanggal 13 Januari 2009, Pemerintah Republik Indonesia On January 13, 2009, the Government of the Republic of
telah mengesahkan Undang-Undang Republik Indonesia No. 7 Indonesia passed Law No. 7 Year 2009 on the Stipulation of
Tahun 2009 tentang Penetapan Peraturan Pemerintah Government Regulation in Lieu of Law No. 3 Year 2008 on the
Pengganti Undang-Undang No. 3 Tahun 2008 tentang Amendment to Law No. 24 Year 2004 on Deposit Insurance
Perubahan atas Undang-Undang No. 24 Tahun 2004 tentang Corporation into law.
Lembaga Penjaminan Simpanan Menjadi Undang-Undang.
Bank adalah peserta dari program penjaminan tersebut. Beban The Bank is a participant of the guarantee program. Deposit
premi penjamin untuk tahun yang berakhir pada 31 Desember guarantee premium for the year ended December 31, 2023
2023 dan 2022 masing-masing sebesar Rp14.105.166.840 dan and 2022 amounted to Rp14,105,166,840 and
Rp9.020.007.128 (Catatan 29). Rp9,020,007,128, respectively (Note 29).
41. PENILAIAN KEMBALI ASET TETAP 41. REVALUATION OF FIXED ASSETS
Pada bulan Agustus 2023, Bank kembali melakukan revaluasi In August 2023, the Bank has revalued its property and
aktiva tetap yang dilakukan oleh pihak penilai independen KJPP equipment which performed by the independent appraiser,
Herman Meirizki dan Rekan dengan Ijin Penilaian Publik No.P- KJPP Herman Meirizki dan Rekan, which is registered under
1.22.00615 untuk kepentingan akuntansi, dengan hasil laporan OJK with Public Appraiser Permit No.P-1.22.00615 for
No.00687/2.0120-00/PI/07/0347/1/X/2023 tanggal 24 Oktober accounting purposes, with report No.00687/2.0120-
2023. 00/PI/07/0347/1/X/2023 dated October 24, 2023.
Rincian nilai hasil revaluasi tersebut adalah sebagai berikut: The details of the revaluation results is as follows:
Nilai buku (nilai pasar)
Nilai buku setelah penilaian
sebelum penilaian kembali/ Surplus (defisit)
kembali/ Book value (market revaluasi/
Kelompok/jenis aset tetap/ Nilai perolehan/ Book value before value) after Revaluation surplus
No. Group/type fixed assets Acquisition cost revaluation revaluation (deficits)
1. Tanah/Lands 82.286.200.000 81.670.300.000 82.286.200.000 615.900.000
2. Bangunan/Buildings 28.448.801.995 11.689.503.298 18.444.263.957 6.754.760.659
3. Kendaraan/Vehicles 1.330.494.055 (154.230.549) 186.352.333 340.582.882
4. Perlengkapan kantor/Office equipments 13.806.962.483 1.043.770.081 2.907.323.391 1.863.553.310
5. Mesin kantor/Office machines 2.502.145.147 228.483.980 272.283.720 43.799.740
6. Perangkat keras/Hardware 56.345.146.048 15.342.417.821 9.064.968.821 (6.277.449.000)
Jumlah/Total 184.719.749.728 109.820.244.632 113.161.392.223 3.341.147.591
105
Page 505
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
42. LABA PER SAHAM DASAR 42. BASIC EARNINGS PER SHARE
Laba per saham dasar dihitung dengan membagi laba bersih Basic earnings per share is computed by dividing net income
kepada pemegang saham dengan rata-rata tertimbang jumlah to shareholders by the weighted average number of ordinary
saham biasa yang beredar pada tahun bersangkutan dengan shares outstanding during the year by considering the
mempertimbangkan rekonsiliasi faktor-faktor tertentu karena reconciliation of certain factors such as the effect of stock
pengaruh pemecahan saham. split.
2023 2022
Laba bersih Net income
Laba bersih untuk Net income for the calculation
perhitungan laba per saham 28.651.782.856 13.210.181.959 of basic earnings per share
Jumlah saham Number of shares
Rata-rata tertimbang jumlah saham untuk Weighted average number of shares for
perhitungan laba per saham dasar 17.037.792.274 14.204.619.339 calculation of basic earnings per share
Laba per saham dasar 1,68 0,93 Basic earnings per share
43. PERIKATAN - PERIKATAN SIGNIFIKAN 43. SIGNIFICANT AGREEMENTS
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows:
1) Perjanjian Sewa Menyewa No.49 tanggal 12 Desember 1) Lease agreement No. 49 dated December 12, 2017 and
2017 dan telah di addendum tanggal 30 September 2022 has been addendum on September 30, 2022, on home
atas bangunan rumah toko (ruko) 3 (tiga) lantai, beralamat building store (shop) 3 (three) floors, located at Jl. Pluit
di Jl. Pluit Sakti Blok A Kavling No.16, Kelurahan Pluit, Sakti Block A Plot No.16, Village Pluit, Penjaringan, North
Kecamatan Penjaringan, Jakarta Utara, yang didirikan di Jakarta, which was established on the land HGB
atas tanah Hak Guna Bangunan No.8985/Pluit selama 2 No.8985/Pluit for 2 years, commencing from the date of
tahun, terhitung sejak tanggal 8 Desember 2022 sampai December 8, 2022 until December 8, 2024.
dengan tanggal 8 Desember 2024.
2) Perjanjian Sewa Menyewa No.15 tanggal 6 Agustus 2018 2) Lease agreement No.15 dated August 6, 2018 and first
dan telah diaddendum pertama tanggal 1 Februari 2023 addendum dated February 1, 2023 on building 3 (three)
atas bangunan 3 (tiga) lantai, beralamat di Jl. Raya Barat floors, located at Jl. Boulevard Barat Raya Blok LC 7 Plot
Boulevard Blok LC 7 Kavling No.16, Kelurahan Kelapa No.16, Kelapa Gading Barat Urban Village, District Kelapa
Gading Barat, Kecamatan Kelapa Gading, Jakarta Utara Gading established on land HGB No.2518/Kelapa Gading
yang didirikan di atas tanah Hak Guna Bangunan Barat. As from the date of May 19, 2012 until May 19,
No.2518/Kelapa Gading Barat. Terhitung sejak tanggal 19 2025.
Mei 2023 sampai dengan tanggal 19 Mei 2025.
3) Perjanjian Sewa Menyewa No.78 tanggal 28 Februari 2018 3) Lease agreement No.78 dated February 28, 2018 and first
dan telah di addendum pertama tanggal 17 November 2022 addendum date November 17, 2022 on the building
atas bangunan rumah toko (ruko) 4 (empat) lantai, houses the store (shop) 4 (four) floor, located at Jl.
beralamat di Jl. Mangga Dua Raya, Komplek Mangga Dua Mangga Dua Raya, Mangga Dua Plaza Complex, Block I
Plaza, Blok I No.3, Kelurahan Mangga Dua Selatan, No. 3, Village Mangga Dua Selatan, District Sawah Besar,
Kecamatan Sawah Besar, Jakarta Pusat, yang didirikan di built on land HGB No.5455/Mangga Dua Selatan. As from
atas tanah Hak Guna Bangunan No.5455/Mangga Dua the date of March 4, 2023 until March 4, 2025.
Selatan. Terhitung sejak tanggal 4 Maret 2023 sampai
dengan tanggal 4 Maret 2025.
4) Perjanjian Sewa Menyewa Gedung tanggal 1 Oktober 2018 4) Building lease agreement dated October 1, 2018 on a
atas sebuah bangunan di Jalan Jembatan Besi II No.26, building in Jl. Jembatan Besi II No.26, West Jakarta, with
Jakarta Barat, dengan ukuran 9,80m x 14,8m atau kurang the size of 9.80m x 14.8m or approximately 145.04m2
lebih 145,04m2 terletak di lantai dasar gedung bagian located on the ground floor of the building frontage,
depan, milik Perhimpunan Sosial Candra Naya, termasuk belonging to the Association of Social Candra Naya,
lapangan parkir untuk nasabah Bank yang terletak tidak including parking space for customers of Bank which is
jauh dari lokasi objek sewa menyewa dan toilet khusus located not far from the location of the object of lease and
dengan kunci tersendiri. Perjanjian ini telah diperbarui, a special toilet with their own key. This agreement has
berlaku sejak 1 Oktober 2021 sampai dengan 1 Oktober been renewed, valid from October 1, 2021 until October 1,
2026. 2026.
106
Page 506
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. PERIKATAN - PERIKATAN SIGNIFIKAN (lanjutan) 43. SIGNIFICANT AGREEMENTS (continued)
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows: (continued)
(lanjutan)
5) Perjanjian Sewa Menyewa No.11 tanggal 18 November 5) Lease agreement No.11 dated November 18, 2021 on a
2021 atas sebuah bangunan kantor hunian 1 ½ lantai, residential office building 1 ½ floor, located in Jakarta,
terletak di DKI Jakarta, Kota Administrasi Jakarta Barat, West Jakarta, Tambora, Village Roa Malaka, known
Kecamatan Tambora, Kelurahan Roa Malaka, setempat locally as Jalan Pasar Pagi No.33, covering an area of
dikenal sebagai Jalan Pasar Pagi No.33, seluas 87m2 87m2 with the facilities that exist in the building in the form
berikut dengan fasilitas-fasilitasnya yang ada dalam of electricity from the State Electricity Company of 16,500
bangunan yaitu berupa aliran listrik dari Perusahaan Listrik watts, 2 (two phone lines, water PAM). Starting from
Negara sebesar 16.500 watt, 2 (dua sambungan telepon, December 1, 2021 to December 1, 2024.
air PAM). Terhitung sejak tanggal 1 Desember 2021
sampai dengan tanggal 1 Desember 2024.
6) Perjanjian Sewa Menyewa No.67 tanggal 14 Mei 2018 dan 6) Lease Agreement No.67 dated May 14, 2018 and first
telah diaddendum pertama No.245/DIR/BOI/V/2023 tanggal addendum No.245/DIR/BOI/V/2023 dated May 12, 2023
12 Mei 2023 atas suatu bangunan kantor 3 ½ (tiga for a 3 ½ (three and a half) floor office building located on
setengah) lantai yang terletak di Jl. KH Wahid Hasyim No. Jl. KH Wahid Hasyim No. 212 with an area of 134M2,
212 dengan luas 134M2, Kelurahan Kampung Bali, Kampung Bali Village, Tanah Abang District, Central
Kecamatan Tanah Abang, Kotamadya Jakarta Pusat. Jakarta Municipality. The lease period is 2 (two) years
Periode sewa selama 2 (dua) tahun yang terhitung dari from July 15, 2023 to July 14, 2025.
tanggal 15 Juli 2023 sampai 14 Juli 2025.
7) Perjanjian Sewa Menyewa No.25 tanggal 18 Juli 2022 atas 7) Lease agreement No.25 dated July 18, 2022 on
bangunan rumah toko (Ruko) 3 (tiga) lantai, terletak di commercial buildings (office) 3 (three) floors, located in
Propinsi Banten, Kabupaten Tangerang, Perumahan the province of Banten, Tangerang, Perumahan Gading
Gading Serpong/ALX3/025, sektor Alexandrite Gading Serpong/ALX3/025, sector Alexandrite Gading Serpong
Serpong selama 3 (tiga) tahun, terhitung sejak tanggal 14 for 3 (five) years, commencing from September 14, 2022
September 2022 sampai dengan tanggal 14 September until September 14, 2024.
2024.
8) Perjanjian Sewa Menyewa No.105 tanggal 25 Februari 8) Lease agreement No.105 dated February 25, 2019 on the
2019 atas bangunan 3 (tiga) lantai, Hak Milik building 3 (three) floors, Hak Milik No.07198/Kedoya Utara
No.07198/Kedoya Utara terletak di Propinsi Daerah Khusus located in the Province of Special Capital Region of
Ibukota Jakarta, Kota Administrasi Jakarta Barat, Jakarta, West Jakarta Administration, District Kebon
Kecamatan Kebon Jeruk, Kelurahan Kedoya Utara, Jeruk, Kedoya Utara Urban Village, Komplek Perumahan
Komplek Perumahan Taman Ratu Indah Blok AA2 No.31 Taman Ratu Indah Blok AA2 No.31 for 5 (five) years,
selama 5 (lima) tahun, terhitung tanggal 15 April 2019 commencing on April 15, 2019 until April 15, 2024.
sampai dengan tanggal 15 April 2024.
9) Perjanjian Sewa Menyewa No.3 tanggal 7 Januari 2019 9) Lease Agreement No.3 dated January 7, 2019 on buillding
atas bangunan 3 (tiga) lantai, terletak di Jl. Teuku Umar 3 (three) floor, located on Jl. Teuku Umar No.173, Dauh
No.173, Desa/Kelurahan Dauh Puri Kauh, Kecamatan Puri Kauh Village, West Denpasar District, Denpasar City
Denpasar Barat, Kota Denpasar selama 3 (tiga) tahun, for 3 (fthree) years, starting from January 7, 2019 until
terhitung sejak tanggal 7 Januari 2019 sampai dengan January 7, 2022. This agreement has been renewed, valid
tanggal 7 Januari 2022. Perjanjian ini telah diperbarui, from January 7, 2024 until January 7, 2026.
berlaku sejak 7 Januari 2024 sampai dengan 7 Januari
2026.
10) Perjanjian Sewa Menyewa No.PSM/01/I/2019 dan 10) Lease Agreement No.PSM/01/I/2019 and No.002/PKS-
No.002/PKS-BOI/GAD/I/2019 tanggal 1 Februari 2019 atas BOI/GAD/I/2019 dated February 1, 2019 for part of room
sebagian ruangan dari bangunan gedung yaitu Gedung from building of Wisma Nugra Santana, ground floor area
Wisma Nugra Santana, lantai dasar seluas 203,49m2 , of 203.49m 2 , located on Jl. Jend. Sudirman Lot 7&8,
terletak di Jl. Jend. Sudirman Kav. 7&8, Kelurahan Karet Karet Tengsin Urban Village, Tanah Abang District,
Tengsin, Kecamatan Tanah Abang, Jakarta Pusat selama Central Jakarta for 5 (five) years, starting from April 1,
5 (lima) tahun, terhitung sejak tanggal 1 April 2019 sampai 2019 until March 31, 2024.
dengan tanggal 31 Maret 2024.
11) Akta Sewa Menyewa No.94 tanggal 21 Juni 2023 atas 11) Deed of Lease No.94 dated June 21, 2023 for a 4½ floors
bangunan kantor 4½ lantai yang didirikan diatas tanah office building which was established on the land SHM
SHM No.694/Kebon kelapa dan SHM No.882/Kebon No.694/Kebon kelapa and SHM No.882/Kebon kelapa,
kelapa, Jakarta Pusat, yang terletak di Jl. Batu Ceper Jakarta Pusat, located at Jl. Batu Ceper No.47 & 47A for 3
No.47 & 47A selama 3 (tiga) tahun terhitung sejak 21 Juli (three) years starting from July 21, 2023 until July 20,
2023 sampai dengan tanggal 20 Juli 2026. 2026.
107
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The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. PERIKATAN - PERIKATAN SIGNIFIKAN (lanjutan) 43. SIGNIFICANT AGREEMENTS (continued)
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows: (continued)
(lanjutan)
12) Perjanjian sewa menyewa 12) Lease agreement No.230608/01/PA/MDL/LEG/PSM-B/OB
No.230608/01/PA/MDL/LEG/PSM-B/OB tanggal 8 Juni dated June 8, 2023 on GF-01 D ground floor, Polluxmall
2023 atas ruangan GF-01 D ground floor, Polluxmall lafayette, Semarang for 5 (five) years from July 12, 2023
lafayette, Semarang selama 5 (lima) tahun sejak 12 Juli to July 11, 2028.
2023 sampai dengan tanggal 11 Juli 2028.
13) Akta perjanjian sewa menyewa No.06 tanggal 2 Desember 13) Deed of lease agreement No.06 dated December 2, 2022
2022 atas bangunan rumah toko 2½ lantai yang berdiri for home building store 2½ floors SHM No.584/
diatas tanah SHM No.584/Pamayonan, Bandung, yang pamayonan sub-district, Bandung, located at Jl. Pasir
terletak di Jl. Pasir Kaliki No.161-3 selama 3 (tiga) tahun Kaliki No.161-3 for 3 (three) years from 1 March 2023 to
sejak 1 Maret 2023 sampai dengan tanggal 28 Februari 28 February 2026.
2026.
14) Akta perjanjian sewa menyewa No.62 tanggal 17 April 2023 14) Deed of lease agreement No.62 dated April 17, 2023 on
atas bangunan diatas tanah SHM No.149/Manyar building which was established on land SHM
Sabrangan, Surabaya yang terletak di Jl. Manyar Kertoajo No.149/Manyar Sabrangan, Surabaya located at Jl.
No.45 selama 5 (lima) tahun ditambah grace periode 4 Manyar Kertoajo No.45 for 5 (five) years plus grace period
(empat) bulan terhitung sejak 17 April 2023 sampai dengan of 4 (four) months from April 17, 2023 until August 17,
17 Agustus 2028. 2028.
15) Perjanjian Pemeliharaan ASP INOAN antara Bank dengan 15) Maintenance Agreement of ASP INOAN between Bank
PT Next INS Indonesia, perjanjian ini dimulai sejak tanggal with PT Next INS Indonesia, this agreement began on
4 September 2017, dan berlaku selama 5 (lima) tahun. September 4, 2017, and is valid for 5 (five) years. This
Perjanjian telah diperbarui dengan Addendum No. agreement has been renewe with Addendum No.
584/DIR/BOI/X/2022 selama 5 tahun sejak tanggal 4 584/DIR/BOI/X/2022, valid from September 4, 2022 until
September 2022 sampai dengan 4 September 2027. September 4, 2027.
16) Perjanjian Pemeliharaan HSM antara Bank dengan PT 16) HSM Maintenance agreement between Bank with PT
Dymar Jaya Indonesia dengan perjanjian No.005/DJI- Dymar Jaya Indonesia, agreement No.No.005/DJI-
MAINT/PS/III/2021 dan No.123/DIR/BOI/III/2021. Perjanjian MAINT/PS/III/2021 and No.123/DIR/BOI/III/2021. This
ini telah diperbarui dengan Addendum No. agreement has been renewed with Addendum No.
443/DIR/BOI/IX/2023 dan 036/DJI-Maint/IX/2023 , berlaku 443/DIR/BOI/IX/2023 and 036/DJI-Maint/IX/2023, valid
sejak 22 September 2023 sampai dengan 21 September from Sepember 22, 2023 until September 21, 2024.
2024.
17) Perjanjian Berlangganan antara PT Aplikanusa Lintasarta 17) Suscription Agreement between PT Aplikasnusa
dengan Bank dengan perjanjian No.0386/LA/CORP/2018- Lintasarta and Bank with agreement
0005/2021, berlaku sejak 1 September 2021 sampai No.0386/LA/CORP/2018-0005/2021, starts from
dengan 31 Agustus 2022. Perjanjian ini telah diperbarui September 1, 2021 until August 31, 2022. This agreement
dengan Addendum No. 0386/LA/CORP/2018-0006/2002 has been renewed with Addendum No.
berlaku sejak 1 September 2022 sampai dengan 31 0386/LA/CORP/2018-0006/2002, valid from September 1,
Agustus 2024. 2022 until August 31, 2024.
18) Perjanjian Berlangganan Layanan Dedicated Internet 18) Dedicated Internet Service Subscription Agreement
antara Bank dan PT Supra Primata Nusantara dengan between Bank and PT Supra Primata Nusantara with
perjanjian No.009/PKS-BOI/IT/III/2019 pada tanggal 6 Agreement No.009/PKS-BOI/IT/III/2019 on March 6,
Maret 2019. Perjanjian ini telah diperbarui dengan 2019.This agreement has been renewed with Addendum
Addendum No. Amd.5.009/DLS/BIZNET/III/2019 tanggal 13 No. Amd.5.009/DLS/BIZNET/III/2019 on November
November 2023 berlaku sejak 10 September 2023 sampai 13,2023, valid from September 10, 2023 until September
dengan 9 September 2025. 9, 2025.
19) Perjanjian Pemeliharaan Server IBM Power dan HPE 19) Dedicated Internet Service Subscription Agreement
antara Bank dengan PT System Tree Technology dengan between Bank and PT Supra Primata Nusantara with
perjanjian No.2021/MA/II/003 dan No.115/DIR/BOI/III/2021 Agreement No.009/PKS-BOI/IT/III/2019 on March 6,
tanggal 1 Febuari 2021. Perjanjian ini telah diperbarui pada 2019.This agreement has been renewed with Addendum
Addendum ke-IV tanggal 5 Februari 2023, berlaku sejak 1 No. Amd.5.009/DLS/BIZNET/III/2019 on November
Februari 2024 sampai dengan 31 Januari 2025. 13,2023, valid from September 10, 2023 until September
9, 2025.
108
Page 508
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
43. PERIKATAN - PERIKATAN SIGNIFIKAN (lanjutan) 43. SIGNIFICANT AGREEMENTS (continued)
Perikatan-perikatan yang dibuat Bank adalah sebagai berikut: Agremeents made by the Bank are as follows: (continued)
(lanjutan)
20) Perjanjian berlangganan layanan Metro-e antara PT Inforte 20) Subscription agreement for Metro-e service between PT
Global Internet dan Bank berdasarkan perjanjian Inforte Global Internet and the Bank based on the
No.024/ISI-BOI/AMD I/MWIFO/XII/2020 tanggal 14 agreement No.024/ISI-BOI/AMD I/MWIFO/XII/2020 dated
Desember 2020. Perjanjian telah diperbarui dengan December 14, 2020. This agreement has been renewed
Addendum No. 027/ISI-BOI/AMD II/MWIFO/XII/2022 with Addendeum No. 027/ISI-BOI/AMD
berlaku sejak 16 Oktober 2022 sampai dengan 15 Oktober II/MWIFO/XII/2022, valid from October 16, 2022 until
2024. October 15, 2024.
21) Perjanjian Induk Layanan No.AMFC2/C/20/0152 tanggal 31 21) Service Master Agreement No.AMFC2/C/20/0152 dated
Desember 2019 antara PT Bank Oke Indonesia Tbk dan December 31, 2019 between PT Bank Oke Indonesia Tbk
PT Multipolar Technology Tbk terhitung sejak tanggal 3 and PT Multipolar Technology from June 3, 2020. This
Juni 2020. Perjanjian ini telah diperbarui pada Addendum agreement has been renewed by the first Addendum on
ke-I tanggal 5 Juni 2023, berlaku sejak 3 Juni 2023 ampai June 5, 2023, valid from June 3, 2023 until June 2, 2024.
dengan 2 Juni 2024.
22) Berdasarkan perjanjian No.I_072/2022/01 tanggal 19 April 22) Based on agreement No.I_072/2022/01 dated April 19,
2022 dan No.050/PKS_PT.OKBANK/DKM/IV/2022 tanggal 2022, and No.050/PKS_PT.OKBANK/DKM/IV/2022 dated
10 Juni 2022, Bank melakukan kerjasama dengan PT June 10, 2022, the Bank cooperates with PT Dunia
Dunia Kreatif Mantra dan PT Ultima Servis Asia dalam Kreatif Mantra and PT Ultima Servis Asia in the context of
rangka kegiatan promosi digital marketing yang digital marketing promotion activities which will be carried
dilaksanakan selama tahun 2022. Perjanjian ini telah out during 2022. This agreement has been renewed by
diperbaharui dengan Addendum ketiga No.I_072/2023/01 the third Addendum No.I_072/2023/01 on June 5, 2023,
berlaku sejak 16 April 2023 sampai dengan tanggal 31 valid from April 16, 2023 until Desember 31, 2023.
Desember 2023.
23) Perjanjian Berlangganan Data Center antara PT 23) Data Center Subscriptions Agreement between PT
Aplikanusa Lintasarta dan Bank. Berdasarkan perjanjian Aplikanusa Lintasarta and the Bank, based on agreement
SC100015730/LA/CORP/2022 tanggal 24 November 2022. SC100015730/LA/CORP/2022 dated November 24, 2022.
Perjanjian ini berlaku sejak 17 Desember 2022 sampai This agreement valid from December 17, 2022 until
dengan tanggal 16 Desember 2024. December 16, 2024.
24) Perjanjian Kerja Sama antara PT Artajasa Pembayaran 24) Cooperation Agreement between PT Artajasa
Elektronis dan Bank No. 456/DIR/BOI/VIII/2022 tanggal 15 Pembayaran Elektronis and Bank No.
Agustus 2022 tentang penyelenggaraan layanan Bersama 456/DIR/BOI/VIII/2022 dated August 15, 2022 regarding
Interface Processor . Perjanjian ini berlaku selama 5 tahun the provision of the Joint Interface Processor service. This
sejak 15 Agustus 2022 sampai dengan tanggal 14 Agustus Agreement shall be valid for 5 years from August 15, 2022
2027. to August 14, 2027.
44. STANDAR AKUNTANSI BARU 44. NEW ACCOUNTING STANDARDS
Berikut ini ikhtisar Pernyataan Standar Akuntansi Keuangan The following summarizes the Statement of Financial
(PSAK) yang diterbitkan oleh Dewan Standar Akuntansi Accounting Standards (PSAK) which were issued by the
Keuangan yang relevan untuk Bank, namun belum berlaku Financial Accounting Standards Board and are relevant to the
efektif untuk laporan keuangan yang berakhir pada tanggal 31 Bank, but is not yet effective for financial statements ended
Desember 2023: December 31, 2023:
Berlaku efektif pada atau setelah tanggal 1 Januari 2024: Effective on or after January 1, 2024:
- Amandemen PSAK 1, "Penyajian Laporan Keuangan" - Amendment PSAK 1, "Presentation of Financial
terkait liabilitas jangka panjang dan kovenan; dan Statements" regarding long term liabilities with the
covenant; and
- Amandemen PSAK 73, "Sewa" terkait liabilitas sewa pada - Amendment PSAK 73, "Leases" regarding lease liabilities
transaksi jual dan sewa balik. in sale and lease-back transaction.
Berlaku efektif pada atau setelah tanggal 1 Januari 2025: Effective on or after January 1, 2025:
- PSAK 74, “Kontrak Asuransi”, yang diadopsi dari IFRS 17, - PSAK 74, “Insurance Contracts”, adopted from IFRS 17,
penerapan dini diperkenankan untuk entitas yang juga telah early application is permitted for entities that have also
menerapkan PSAK 71 dan PSAK 72. applied PSAK 71 and PSAK 72.
Saat ini Bank sedang mengevaluasi dan belum menetapkan The Bank is currently evaluating the above standards and has
dampak dari penerapan standar tersebut serta pengaruhnya not yet determined the impact of these standard on the
pada laporan keuangan Bank. financial statement of the Bank.
109
Page 509
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
45 PERISTIWA SETELAH TANGGAL PELAPORAN 45 EVENTS AFTER THE REPORTING PERIOD
Tidak terdapat peristiwa setelah tanggal laporan keuangan yang There are no subsequent events after the date of the financial
perlu pengungkapan. statements that need disclosure.
46. LIABILITAS KONTINJENSI 46. CONTINGENT LIABILITIES
Bank saat ini mempunyai liabilitas kontinjensi yang signifikan The Bank currently has significant contingent liabilities in
terkait dengan beberapa perkara perdata sebagai berikut: connection with several civil cases as follows:
a. Gugatan Bantahan No.153/Pdt.Bth/2021/PN.Jkt.Sel pada a. Rebuttal Lawsuit No.153/Pdt.Bth/2021/PN.Jkt.Sel at the
Pengadilan Negeri Jakarta Selatan dimana Bank South Jakarta District Court where the Bank as Rebutted
berkedudukan sebagai Terbantah I, perkara ini telah I. The case has been decided by the Jakarta High Court
diputus oleh Pengadilan Tinggi DKI Jakarta (Tingkat (Appellate Level) in favor of the Bank. At this time, it is still
Banding) yang memenangkan Bank. Sampai saat ini masih pending whether there will be a cassation appeal from the
menunggu apakah ada upaya hukum kasasi dari Plaintiff.
penggugat.
b. Gugatan Perlawanan No.221/Pdt.Plw/2021/PN.Jkt.Sel b. Resistance Lawsuit No.221/Pdt.Plw/2021/PN.Jkt.Sel in
pada Pengadilan Negeri Jakarta Selatan dimana Bank the South Jakarta District Court where the Bank as the Co-
berkedudukan sebagai Turut Terlawan I. Putusan Hakim Opponent I and is still in the court process. The South
Pengadilan Negeri Jakarta Selatan menyatakan bahwa Jakarta District Court Judge's decision stated that
perlawanan pelawan tidak dapat diterima dan saat ini masih declaring the resistance of the contrarian was
dalam proses tingkat banding di Pengadilan Tinggi DKI unacceptable and is currently still in the process of appeal
Jakarta. at the DKI Jakarta High Court.
c. Gugatan No.642/Pdt.G/2021/PN.Jkt.Pst pada Pengadilan c. Lawsuit No.642/Pdt.G/2020/PN.Jkt.Pst at the Central
Negeri Jakarta Pusat dimana Bank berkedudukan sebagai Jakarta District Court where the Bank as Defendant I. The
Tergugat dan Perkara ini telah diputus oleh Pengadilan case has been decided by the Jakarta High Court in favor
Tinggi DKI Jakarta yang memenangkan Bank namun of the Bank but the case is still ongoing as the Plaintiff has
perkara ini masih dalam proses karena penggugat filed an appeal (cassation).
melakukan upaya hukum (kasasi).
d. Gugatan No.649/Pdt.G/2020/PN.Jkt.Pst pada Pengadilan d. Lawsuit No.649/Pdt.G/2020/PN.Jkt.Pst at the Central
Negeri Jakarta Pusat dimana Bank berkedudukan sebagai Jakarta District Court where the Bank as Defendant and
Tergugat dan putusan Pengadilan Negeri menyatakan the decision of the District Court stated that the Plaintiff's
gugatan Penggugat Konpensi tidak dapat diterima. claim for compensation could not be accepted. The
Pengadilan Tinggi DKI Jakarta (tingkat Banding) Jakarta High Court (Appellate Level) issued a ruling in
memberikan putusan yang memenangkan Bank namun favor of the Bank, but the case is still ongoing as the
sampai saat ini masih dalam proses karena penggugat Plaintiff has filed a cassation appeal.
melakukan upaya hukum (kasasi).
e. Gugatan No.744/Pdt.G/2021/PN.Jkt.Sel pada Pengadilan e. Lawsuit No.744/Pdt.G/2021/PN.Jkt.Sel at the South
Negeri Jakarta Selatan dimana Bank berkedudukan Jakarta District Court where the Bank as Co-Defendant I
sebagai Turut Tergugat I dan telah memperoleh putusan and has obtained a decision that the South Jakarta District
bahwa Pengadilan Negeri Jakarta Selatan tidak berwenang Court has no authority to adjudicate the cases. In the
mengadili perkara. Dalam putusan tingkat banding tanggal decision at the appeal on 8 February 2023, The DKI
8 Februari 2023, Pengadilan Tinggi DKI Jakarta memutus Jakarta High Court issued a ruling in favor of the Bank.
putusan yang memenangkan Bank, sampai saat ini proses The legal process is still ongoing as the Counterparty has
hukum masih berjalan karena pelawan melakukan upaya filed an appeal.
hukum (Banding).
f. Gugatan No.1105/Pdt.G/2022/PN.Jkt.Sel pada Pengadilan f. Lawsuit No.1105/Pdt.G/2022/PN.Jkt.Sel at the South
Negeri Jakarta Selatan. Bank sebagai Tergugat I. Jakarta District Court. Bank as the Defendant I. Currently
Pengadilan Negeri Jakarta Selatan telah memutukan untuk still ongoing and is in the court process at the South
memenangkan Bank. Sampai saat ini masih menunggu Jakarta District Court. The South Jakarta District Court
apakah ada upaya hukum yang diajukan. has ruled in favor of the Bank. It is still pending whether
any legal remedies will be filed.
g. Gugatan No. 670/Pdt.G/2023/PN.Jkt.Pst dimana Bank g. Lawsuit No. 267/Pdt.Sus-PHI/2023/PN.Niaga.Jkt.Pst
selaku Turut Tergugat I. Sampai saat ini perkara masih where Bank as Defendant. Currently still going in
berjalan di Pengadilan Negeri Jakarta Pusat. commercial court at the Central Jakarta District Court.
h. Gugatan No. 267/Pdt.Sus-PHI/2023/PN.Niaga.Jkt.Pst h. Lawsuit No. 267/Pdt.Sus-PHI/2023/PN.Niaga.Jkt.Pst
dimana Bank selaku Tergugat. Sampai saat ini masih where Bank as Defendant. Currently still going in
berjalan di Pengadilan Niaga pada Pengadilan Negeri commercial court at the Central Jakarta District Court.
Jakarta Pusat.
110
Page 510
The original financial statements included herein are in the Indonesian language
PT BANK OKE INDONESIA Tbk PT BANK OKE INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
31 Desember 2023 dan 2022 December 31, 2023 and 2022
dan untuk tahun yang berakhir pada tanggal-tanggal tersebut and for the years then ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
46. LIABILITAS KONTINJENSI (lanjutan) 46. CONTINGENT LIABILITIES (continued)
Bank saat ini mempunyai liabilitas kontinjensi yang signifikan The Bank currently has significant contingent liabilities in
terkait dengan beberapa perkara perdata sebagai berikut: connection with several civil cases as follows: (continued)
(lanjutan)
i. Gugatan Perbuatan Melawan Hukum No. i. Lawsuit No. 231/Pdt.G/2022/PN.Sgr where Bank as
231/Pdt.G/2022/PN.Sgr dimana Bank selaku Tergugat. Defendant. The case has been resolved amicably and and
Perkara ini telah berakhir dengan damai dan telah dibuat a "acta van dading" (Settlement Agreement) has been
acta van dading (Perjanjian Perdamaian) antara Penggugat executed between the plaintiff's and the defendant's at
I, Penggugat II, dan Tergugat I, Tergugat II, Tergugat III, Singaraja District Court. The settlement agreement is
dan Tergugat IV di Pengadilan Negeri Singaraja. Saat ini currently in the process of being enforced (executed).
masih dalam proses pelaksanaan (eksekusi) atas
perjanjian perdamaian.
j. Gugatan Perbuatan Melawan Hukum No. j. Lawsuit No. 625/Pdt.G/2023/PN.Jkt.Pst, where Bank as
625/Pdt.G/2023/PN.Jkt.Pst dimana Bank selaku Turut the First Co-Defendant. The case is still ongoing at the
Tergugat I. Adapun Perkara ini masih berjalan di Central Jakarta District Court.
Pengadilan Negeri Jakarta Pusat.
k. Gugatan No. 825/Pdt.G/2023/PN.Jkt.Pst dimana OK Bank k. Lawsuit No. 825/Pdt.G/2023/PN.Jkt.Pst, where OK Bank
selaku Tergugat II. Sampai saat ini masih berjalan di is the Second Defendant. The case is still ongoing at the
Pengadilan Negeri Jakarta Pusat. Central Jakarta District Court.
Manajemen Bank berkeyakinan bahwa penyelesaian kasus- The Bank’s management believes that the above cases
kasus tersebut tidak mengganggu kinerja Bank dan karenanya doesn’t interfere to the Bank performances, and accordingly
manajemen berpendapat tidak perlu dibentuk penyisihan. the management has the opinion hat no provision for possible
losses is required.
47. PENYELESAIAN DAN OTORISASI LAPORAN KEUANGAN 47. COMPLETION AND AUTHORIZATION OF THE FINANCIAL
STATEMENTS
Manajemen Bank bertanggung jawab atas penyusunan laporan The management of the Bank is responsible for the preparation
keuangan ini yang diselesaikan dan diotorisasi untuk diterbitkan of these financial statements which were completed and
oleh Direksi pada tanggal 21 Maret 2024. authorised for issuance by the Directors on March 21, 2024.
111
Page 511
Page 512
2023
Laporan Tahunan & Laporan Keberlanjutan
Annual Report & Sustainability Report
Stronger Fundamental for
Sustainable
Growth
PT Bank Oke Indonesia, Tbk.
OK Bank
Jl. Ir. H. Juanda No.12 okbankindonesia
Jakarta Pusat 10120, Indonesia
okbankindonesia
Phone : 021 - 2312633
Fax : 021 - 2312604 okbank_id
E-mail : customercare@okbank.co.id PT. Oke Bank Indonesia Tbk
Web : www.okbank.co.id OK Bank Indonesia
Names mentioned 142 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Oke
· Komisaris Utama
p.4 ×12
unresolved
org
Financial Services Authority
p.6 ×22
unresolved
org
Kantor Akuntan Publik Paul Hadiwinata
p.6 ×3
unresolved
org
Palilingan & Rekan
p.6 ×5
unresolved
person
Ir. H. Juanda
p.7 ×5
unresolved
org
PT OK BANK
p.9
unresolved
org
Indonesia Tbk
p.9 ×4
unresolved
org
PT OK BANK Modal Disetor
p.9
unresolved
org
Bank Violation Reporting System
p.9
unresolved
org
Bank Indonesia
p.14 ×54
unresolved
org
Bank Indonesia Penempatan
p.14
unresolved
org
PT Bureau Veritas Indonesia ISO
p.21
unresolved
org
PT Bureau Veritas Indonesia
p.21
unresolved
person
Badrul Munir
· Director
p.22 ×3
unresolved
org
Bank Indonesia’s
p.30 ×3
unresolved
org
Pusat Statistik
p.30
unresolved
person
Komite-komite
· Komisaris
p.33
unresolved
person
Idham Aziz
· Komisaris Independen
p.34 ×6
unresolved
—
Independent Sdr. Chairudin
· Komisaris Independen
p.34
unresolved
org
Bank KEB Oke Indonesia Tbk
p.34 ×2
unresolved
person
Kim
p.43 ×2
unresolved
person
Kim Seongtaek
· Direktur
p.43 ×5
unresolved
person
Inhyo
p.43
unresolved
—
Wang
· Director
p.43
unresolved
person
Vincentia M. Djuniwati W
· Direktur
p.43 ×4
unresolved
person
Vice
· President Director
p.45 ×2
unresolved
org
Co. Ltd.
p.48 ×5
unresolved
org
PT Liman
p.49
unresolved
org
PT Liman International Bank
p.49
unresolved
org
PT Bank Dinar Indonesia. This
p.49
unresolved
org
Kementerian Hukum dan Hak Asasi Manusia
p.49
unresolved
org
Ministry of Law and Human Rights Republik Indonesia.
p.49
unresolved
org
PT Bank Dinar
p.49 ×10
unresolved
org
Bank Dinar Indonesia Tbk
· Direktur Utama
p.49 ×44
unresolved
org
APRO Financial Co. Ltd.
p.49 ×7
unresolved
org
Financial Co. Ltd.
p.49
unresolved
org
Bank Dinar’s
p.49
unresolved
org
Bank Andara
p.49 ×17
unresolved
org
PT Bank Sri Partha
p.49 ×6
unresolved
org
Bank Indonesia. On
p.49
unresolved
org
PT Liman International Bank Pasar Seri Partha Bank
p.50
unresolved
org
PT Bank Sri Partha Established
p.50
unresolved
org
PT Liman Indonesia Bank Pasar Seri Partha
p.50
unresolved
org
Bank Bank Pasar Seri Partha
p.50
unresolved
org
PT Bank Seri Partha
p.50 ×4
unresolved
org
PT Bank Andara Obtained
p.50
unresolved
org
Bank Indonesia Bank Pasar Seri Partha
p.50
unresolved
org
PT Bank Andara Commercial Bank
p.50
unresolved
org
Indonesia Stock Exchange
p.50 ×5
unresolved
org
A PRO Financial Co. Ltd.
p.51
unresolved
org
Bank Indonesia Certificate
p.52
unresolved
org
Bank Garansi
p.55
unresolved
org
Bank Oke Bersama BPR
p.55 ×2
unresolved
org
Bank Perkreditan
p.55 ×2
unresolved
person
KH. Wahid Hasyim
p.57 ×2
unresolved
org
National Bank Association (Perbanas)
· Member
p.58
unresolved
—
FKDKP (Communication Forum of Banking Compliance
· Member
p.58
unresolved
—
ASPI (Indonesian Payment System Association)
· Member
p.58
unresolved
—
IBI (Indonesian Bankers Association)
· Member
p.58
unresolved
—
Pefindo Credit Agency
· Member
p.58
unresolved
—
FKDOP - Communication Forum for Banking Operations
· Member
p.58
unresolved
org
Bank Woori Saudara Indonesia
p.63 ×4
unresolved
org
Bank Woori Indonesia
p.63 ×2
unresolved
org
Bank Hanvit Indonesia
p.63 ×2
unresolved
org
Departemen Riset Jasa Keuangan
p.64
unresolved
org
Departemen Organisasi dan Sumber Daya Manusia
p.64
unresolved
org
Departemen Literasi
p.64
unresolved
org
Departemen Pengendalian Kualitas Pengawasan Perbankan
p.64
unresolved
org
Services Research Department
· Commissioner
p.64
unresolved
org
Bank Supervisor Certification
p.64
unresolved
org
Bank Supervisor
p.65 ×2
unresolved
person
Concurrent Position
· Komisaris Independen
p.65
unresolved
person
Rangkap
· Commissioner
p.65
unresolved
org
Sertiikasi Manajemen Risiko
p.65
unresolved
org
Bank Examination
p.65
unresolved
org
Bank Examiners
p.65
unresolved
org
Bank Woori Saudara
· Direktur
p.69 ×2
unresolved
org
Bank Operational Risk In The Digital Banking
p.69 ×4
unresolved
org
Bank Mutiara
p.70 ×8
unresolved
org
Bank Century
p.70 ×2
unresolved
org
Bank Danpac
p.70 ×2
unresolved
org
Bank Asia Pasific
p.70
unresolved
org
Bank Windu Kentjana
p.70 ×2
unresolved
org
Bank Asia Pacific
p.70
unresolved
org
Bank MNC
p.72 ×2
unresolved
org
Bank BNP
p.72 ×2
unresolved
org
PT Bank KEB Indonesia
p.73 ×2
unresolved
org
PT Bank KEB Hana
p.73 ×4
unresolved
org
PT Bank BNP Paribas Indonesia
p.73 ×2
unresolved
org
PT Korea Exchange Bank Danamon
p.73 ×2
unresolved
org
Sertifikasi Manajemen Risiko
p.73
unresolved
org
APRO System Co., Ltd
p.82
unresolved
org
PT OK
p.82
unresolved
org
Vietnam Ltd.
p.82 ×2
unresolved
org
OK Fin Ltd.
p.82
unresolved
org
Trading Vietnam Ltd
p.82
unresolved
—
Kantor Akuntan Publik
p.86
unresolved
—
UOB Plaza 30th & 42nd
· Kantor Akuntan Publik
p.86
unresolved
org
Annual Report Audit Palilingan & Rekan
p.86
unresolved
org
Palilingan & Partners
p.86 ×2
unresolved
org
PT Kustodian Sentral
p.86
unresolved
person
Dr. Agung
p.86 ×2
unresolved
person
Iriantoro
p.86 ×3
unresolved
—
kenotariatan
p.86
unresolved
org
PT SEDYA
p.94
unresolved
org
Bank SPBI
p.96
unresolved
org
Bank TDP Batch III
p.97 ×2
unresolved
org
Deposit Insurance Corporation
p.98
unresolved
org
Bank Foreign Exchange Traffic Reporting
p.99
unresolved
org
Bank Digital Maturity Levels
p.100
unresolved
org
Bank Indonesia Consumer
p.100
unresolved
org
Bank LPS SCV Data Reporting Workshop
p.101
unresolved
org
Bank Consolidation
p.152
unresolved
org
PT Ficomindo Buana Registra Ficomindo Buana Registra
p.171
unresolved
person
Agung Iriantoro
· Notaris
p.171
unresolved
—
Credit Seongtaek
· Direktur
p.172
unresolved
org
Board Oke Indonesia Tbk.
p.174
unresolved
person
PIAGAM
· KOMISARIS
p.177
Extraction attempts how the parser did, and what it refused
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