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Page 1
Innovation Anchored
in Sustainability
PT Bank Capital Indonesia Tbk
2025
Laporan Tahunan
Annual Report
Page 2
Sanggahan dan Batasan Tanggung Jawab Disclaimer and Limitation of Liability Laporan Tahunan 2025 PT Bank Capital Indonesia Tbk The 2025 Annual Report of PT Bank Capital Indonesia (yang selanjutnya disebut Bank Capital atau Bank) ini Tbk (hereinafter referred to as Bank Capital or the Bank) disusun untuk memenuhi ketentuan pelaporan hasil is prepared to meet the reporting requirements of kinerja Bank pada periode 1 Januari 2025 sampai dengan the Bank’s performance for the period from 1 January 2025, 31 Desember 2025 kepada regulator dan pemangku to 31 December 2025, to regulators and stakeholders. kepentingan. Laporan Tahunan ini antara lain disusun This Annual Report is prepared, among others, based berdasarkan Peraturan Otoritas Jasa Keuangan Nomor on Financial Services Authority Regulation Number 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau 29/POJK.04/2016 concerning the Annual Report of Perusahaan Publik dengan muatan konten sesuai Surat Issuers or Public Companies with content in accordance Edaran Otoritas Jasa Keuangan Nomor 16/SEOJK.04/2021 with Financial Services Authority Circular Letter Number tentang Bentuk dan Isi Laporan Tahunan Emiten atau 16/SEOJK.04/2021 regarding the Form and Content of Perusahaan Publik. the Annual Report of Issuers or Public Companies. Laporan Tahunan ini memuat pernyataan terkait tujuan, This Annual Report contains statements regarding kebijakan, rencana, strategi, serta hasil operasi dan the objectives, policies, plans, strategies, as well as keuangan yang disusun berdasarkan data faktual yang dapat the results of operations and finances, which are prepared dipertanggungjawabkan kebenarannya. Selain itu, Laporan based on factual data that can be accounted for their Tahunan ini juga menyajikan informasi terkait proyeksi accuracy. Furthermore, this Annual Report also presents kerja Bank di tahun selanjutnya yang disusun berdasarkan information regarding the Bank’s work projections for pernyataan-pernyataan prospektif dan berbagai asumsi the following year, which are prepared based on mengenai kondisi mendatang Bank, serta lingkungan bisnis prospective statements and various assumptions yang terkait, sehingga dapat mengakibatkan perkembangan about the Bank’s future conditions and related business aktual secara material berbeda dari yang dilaporkan. Oleh environments, which may result in materially different karena itu, Bank mengimbau agar pemangku kepentingan developments from those reported. Therefore, the Bank dapat menggunakan informasi tersebut secara bijak dalam encourages stakeholders to use this information wisely in pengambilan keputusan. decision-making.
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Kesinambungan Tema
Theme Continuity
Innovation Anchored
in Sustainability
Laporan Tahunan
2025 Annual Report
Bank Capital memasuki fase lanjutan dalam perjalanan Bank Capital enters an advanced phase in its
transformasi. Jika pada periode sebelumnya fokus transformation journey. If in the previous period
diarahkan pada pengembangan kapabilitas digital the focus was directed at developing digital capabilities
untuk mendorong pertumbuhan berkelanjutan, maka to drive sustainable growth, then in 2025 innovation
pada tahun 2025 inovasi hadir dalam peran yang comes with a deeper role, namely as the main foundation
lebih mendalam, yaitu sebagai pijakan utama dalam in strengthening the Company’s business direction,
memperkuat arah bisnis, tata kelola, dan penciptaan governance, and long-term value creation. Innovation is
nilai jangka panjang Perseroan. Inovasi tidak lagi sekadar no longer merely a response to industry changes, but
menjadi respons atas perubahan industri, melainkan has developed into a strategic foundation that supports
telah berkembang menjadi landasan strategis yang the quality of growth through service modernization,
menopang kualitas pertumbuhan melalui modernisasi strengthening of funding structure, expansion of
layanan, penguatan struktur pendanaan, perluasan kerja strategic partnerships, as well as the provision of digital
sama strategis, serta penyediaan layanan digital yang services that are increasingly relevant, integrated, and
semakin relevan, terintegrasi, dan berorientasi pada oriented toward customer needs.
kebutuhan nasabah.
Penguatan inovasi tersebut juga menghasilkan dampak The strengthening of innovation also produces
yang terukur dan bertanggung jawab. Hal ini tercermin measurable and responsible impacts. This is reflected
pada pertumbuhan aset, kredit, dana pihak ketiga, in the growth of assets, loans, third-party funds,
pendapatan bunga, dan laba bersih, yang berlangsung interest income, and net profit, which occurs alongside
seiring dengan penguatan permodalan, penerapan tata the strengthening of capital, the implementation of
kelola yang baik, pelaksanaan Rencana Aksi Keuangan good governance, the execution of the Sustainable
Berkelanjutan, penggunaan energi bersih melalui Finance Action Plan, the use of clean energy through
pembelian Renewable Energy Certificate, serta berbagai the purchase of Renewable Energy Certificates, as well
program literasi, inklusi keuangan, dan pengembangan as various programs in literacy, financial inclusion, and
kompetensi karyawan. Dengan demikian, Bank semakin employee competency development. Thus, the Bank
menegaskan komitmen untuk memastikan bahwa setiap further reinforces its commitment to ensure that every
pembaruan yang dijalankan tidak hanya mendorong initiative undertaken not only drives business progress,
kemajuan usaha, tetapi juga memperkokoh ketahanan, but also strengthens resilience, accountability, and
akuntabilitas, dan kontribusi jangka panjang bagi seluruh long-term contribution to all stakeholders.
pemangku kepentingan.
2025 Annual Report | PT Bank Capital Indonesia Tbk 1
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Innovating Digital Pathways
2024
for Sustainable Growth
PT Bank Capital Indonesia Tbk terus melakukan inovasi PT Bank Capital Indonesia Tbk continues to innovate in
terkait layanan perbankan digital yang dikembangkan secara digital banking services, which are strategically developed
strategis guna memperkuat produk, proses operasional Bank to strengthen the Bank’s products, operational processes,
dan pengalaman bertransaksi nasabah, serta memperkuat and customer transaction experience, while also enhancing
kolaborasi ekosistem digital dan kerja sama dengan mitra collaboration within the digital ecosystem and partnerships
strategis. Bank juga terus meningkatkan aktiva produktif yang with strategic partners. The Bank also continues to improve
berkualitas serta pengembangan talenta untuk menunjang the quality of its productive assets and talent development
keberlanjutan Bank guna menumbuhkan kontribusi positif bagi to support the Bank’s sustainability and foster positive
seluruh pemangku kepentingan. contributions to all stakeholders.
Excellence
2023
in Balance
PT Bank Capital Indonesia Tbk terus melangkah ke depan PT Bank Capital Indonesia Tbk continues to move forward with
dengan semangat dan optimisme untuk menghadapi berbagai spirit and optimism in facing various challenges by combining
tantangan dengan memadukan kekuatan digital dan ketahanan digital strength and financial resilience. With strengthened
finansial. Dengan disertai penguatan struktur permodalan serta capital structure and quality corporate governance that is both
kualitas tata kelola perusahaan yang baik dan berkelanjutan, good and sustainable, the Bank can move more agile and solid
Bank dapat bergerak semakin leluasa dan solid untuk to enhance performance and benefits for all stakeholders. This
meningkatkan performa dan manfaat bagi seluruh pemangku strategy is believed not only to deliver expected results for
kepentingan. Strategi ini diyakini tidak hanya memberikan hasil the present time, but also to create a sustainable future.
yang diharapkan untuk saat ini, tetapi juga untuk menciptakan
masa depan yang berdaya tahan.
2 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Daftar Isi
Table of Contents
Sanggahan dan Batasan Tanggung Jawab / 6 Pencapaian Tahun 2025 / Achievement in 2025
ii
Disclaimer and Limitation of Liability
Komitmen dan Strategi Keberlanjutan / Sustainability
7
1 Kesinambungan Tema / Theme Continuity Commitment and Strategy
3 Daftar Isi / Table of Contents
16 Kilas Kinerja
Performance at a Glance
Ikhtisar Keberlanjutan Ekonomi / Economic 24 Aksi Korporasi / Corporate Action
18
Sustainability Highlights
24 Aktivitas Perdagangan Saham / Stock Trading Activity
Ikhtisar Keberlanjutan Sosial / Social Sustainability
22 24 Peristiwa Penting / Significant Events
Highlights
Ikhtisar Keberlanjutan Lingkungan Hidup / Environmental 32 Penghargaan dan Sertifikasi / Awards and Certifications
22
Sustainability Highlights
23 Ikhtisar Saham / Shares Highlights
36 Laporan Manajemen
Management Reports
Laporan Dewan Komisaris / Report of the Board of Tanggung Jawab Laporan Tahunan / Annual Report
38 59
Commissioners Responsibility
46 Laporan Direksi / Report of the Board of Directors
60 Profil Perusahaan
Company Profile
62 Identitas Perusahaan / Company Identity Profil Pejabat Eksekutif, Area Manager, dan Kepala
84 Kantor Cabang / Profile of Executive Officers, Area
63 Riwayat Singkat / Brief History Managers, and Branch Office Heads
64 Jejak Langkah / Milestones Komposisi Pemegang Saham / Shareholders
86
Visi, Misi, dan Nilai-Nilai Perusahaan / Company’s Vision, Composition
66
Mission, and Values Informasi Entitas Anak, Perusahaan Asosiasi, dan
68 Kegiatan Usaha / Business Activities 90 Ventura Bersama / Information on the Subsidiary,
Associated Company, and Joint Venture
69 Produk dan Jasa / Products and Services
Kronologi Pencatatan Saham / Chronology of Share
90
70 Wilayah Operasional / Operational Areas Listing
74 Keanggotaan Asosiasi / Association Membership Kronologi Pencatatan Efek Lainnya / Chronology of
93
Other Securities Listing
75 Struktur Organisasi / Organizational Structure
Informasi Penggunaan Jasa Akuntan Publik dan
Profil Dewan Komisaris / Profile of the Board of 93 Kantor Akuntan Publik / Information on the Use of
76
Commissioners Public Accountant and Public Accounting Firm Services
79 Profil Direksi / Profile of the Board of Directors Lembaga dan Profesi Penunjang Pasar Modal /
94
Capital Market Supporting Institutions and Professions
Perubahan Komposisi Dewan Komisaris dan Direksi serta
Alasan Perubahan / Changes in the Composition of
84
the Board of Commissioners and Board of Directors and
the Reasons for Changes
2025 Annual Report | PT Bank Capital Indonesia Tbk 3
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96 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
98 Tinjauan Ekonomi / Economic Review 130 Larangan, Batasan, dan/atau Hambatan Signifikan untuk
Melakukan Transfer Dana antara Bank dan Entitas Lain
99 Tinjauan Industri / Industrial Review dalam Satu Kelompok Usaha / Prohibitions, Limitations,
102 Tinjauan Operasional / Operational Review and/or Significant Obstacles to Transfer Funds between
the Bank and Other Entities in the Same Business Group
110 Tinjauan Keuangan / Financial Review
130 Informasi Material yang Terjadi Setelah Tanggal Laporan
119 Struktur Modal dan Kebijakan Struktur Modal / Capital Akuntan / Material Information After the Accountant’s
Structure and Capital Structure Policy Report Date
120 Komitmen dan Kontingensi / Commitments and 130 Perubahan Peraturan Perundang-Undangan yang
Contingencies Berpengaruh terhadap Bank / Changes in Laws and
Regulations Affecting the Bank
121 Ikatan Material terkait Investasi Barang Modal / Material
Commitments related to Capital Goods Investment 131 Kebijakan dan Pembagian Dividen / Dividend Policy and
Distribution
122 Investasi Barang Modal / Capital Goods Investment
131 Realisasi Penggunaan Dana Hasil Penawaran Umum /
123 Derivatif dan Fasilitas Lindung Nilai / Derivatives and Realization of Use of Funds from Public Offering
Hedging Facilities
132 Informasi Transaksi Material yang Mengandung Benturan
125 Perbandingan Target dan Realisasi / Comparison of Kepentingan / Information on Material Transactions
Target and Realization Involving Conflicts of Interest
126 Perbandingan Target dan Realisasi pada Instrumen 132 Transaksi dengan Pihak Afiliasi / Transactions with
Keuangan atau Proyek yang Sejalan dengan Keuangan Affiliated Parties
Berkelanjutan / Comparison of Target and Realization of
Financial Instruments or Projects in Line with Sustainable 132 Transaksi dengan Pihak Berelasi / Transactions with
Finance Related Parties
128 Proyeksi Tahun 2026 / 2026 Projection 133 Perubahan Kebijakan Akuntansi / Changes in Accounting
Policies
128 Informasi Material Investasi, Ekspansi, Divestasi,
Penggabungan/Peleburan Usaha, Akuisisi, dan 134 Prospek Usaha 2026 / Business Prospects for 2026
Restrukturisasi Utang/Modal / Material Information
on Investment, Expansion, Divestment, Business
Merger/Consolidation, Acquisition, and Debt/Capital
Restructuring
136 Teknologi Informasi
Information Technology
138 Kebijakan Pengembangan TI / IT Development Policy 142 Tata Kelola TI / IT Governance
138 Pengembangan TI Tahun 2025 / IT Development Policy 145 Realisasi Program Kerja TI Tahun 2025 / Realization of IT
in 2025 Work Program in 2025
139 Arsitektur TI / IT Architecture 146 Rencana Pengembangan TI Tahun 2026 /
IT Development Plan for 2026
148 Tata Kelola Perusahaan
Corporate Governance
150 Prinsip-Prinsip GCG / GCG Principles 163 Rapat Umum Pemegang Saham / General Meeting of
Shareholders
151 Keterkaitan Penerapan GCG dengan Kinerja Bank /
Correlation of GCG Implementation and Bank 171 Dewan Komisaris / Board of Commissioners
Performance
182 Direksi / Board of Directors
152 Penyempurnaan Kualitas GCG Tahun 2025 / Refinement
of GCG Quality in 2025 191 Kebijakan Pemisahan Chairman of the Board dan Chief
Executive Officer / Chairman of the Board and the Chief
153 Struktur GCG / GCG Structure Executive Officer Separation Policy
154 Penilaian Penerapan GCG / Assessment of GCG
Implementation
4 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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192 Program Pelatihan dan/atau Peningkatan Kompetensi 285 Strategi Anti-Fraud / Anti-Fraud Strategy
Dewan Komisaris dan Direksi / Training and/or
Competency Development Program for the Board of 288 Kode Etik / Code of Conduct
Commissioners and the Board of Directors 289 Kebijakan Anti-Penyuapan dan Gratifikasi / Anti-Bribery
195 Penilaian Kinerja Dewan Komisaris, Direksi, Komite di and Gratification Policy
bawah Dewan Komisaris dan Direksi, serta Organ di 291 Kebijakan Pengungkapan Informasi / Information
bawah Direksi / Performance Assessment of the Board Disclosure Policy
of Commissioners, the Board of Directors, Committees
Under the Board of Commissioners and the Board of 292 Transparansi Kondisi Keuangan dan Non-Keuangan /
Directors, and Organs under the Board of Directors Transparency of Financial and Non-Financial Conditions
198 Remunerasi dan Nominasi Dewan Komisaris dan 292 Kebijakan Pengadaan Barang dan Jasa / Procurement of
Direksi / Remuneration and Nomination of the Board of Goods and Services Policy
Commissioners and the Board of Directors
292 Pembelian Kembali Saham dan/atau Obligasi / Share
203 Rangkap Jabatan Dewan Komisaris dan Direksi / and/or Bond Buyback
Concurrent Positions of the Board of Commissioners
and the Board of Directors 293 Pemberian Dana Kegiatan Politik dan Sosial / Funds
Provided for Political and Social Activities
204 Pengelolaan Benturan Kepentingan Dewan Komisaris
dan Direksi / Management of Conflicts of Interest for 293 Kebijakan Transaksi dengan Pihak yang Memiliki
Hubungan Istimewa / Policy on Transactions with
the Board of Commissioners and the Board of Directors
Related Parties
205 Kebijakan Keberagaman Komposisi Dewan Komisaris dan
Direksi / Board of Commissioners and Board of Directors 294 Penyediaan Dana kepada Pihak Terkait dan Penyediaan
Dana Besar / Funds Provided to Related Parties and
Composition Diversity Policy
Large Exposures
206 Komite di Bawah Dewan Komisaris / Committees Under
Supervision of the Board of Commissioners 295 Kebijakan Insider Trading / Insider Trading Policy
221 Komite di Bawah Direksi / Committees Under 296 Program Kepemilikan Saham oleh Manajemen dan/atau
Supervision of the Board of Directors Karyawan / Share Ownership Program for Management
and/or Employees
233 Organ Pendukung Direksi / Supporting Organ of the
Board of Directors 296 Akses Informasi dan Data Bank / Access to Information
and Bank Data
242 Audit Eksternal / External Audit
297 Rencana Strategis Bank / Bank’s Strategic Plan
244 Sistem Pengendalian Internal / Internal Control System
300 Rencana Penanganan Permasalahan Keuangan dan/
252 Permodalan dan Praktik Manajemen Risiko / Capital and atau Penguatan Modal Bank / Plan for the Handling of
Risk Management Practices Financial Issues and/or Bank Capital Strengthening
259 Pengungkapan Eksposur Risiko / Disclosure of Risk 301 Sistem Pelaporan Pelanggaran / Whistleblowing System
Exposure
303 Transparansi Kondisi Keuangan dan Non-Keuangan
271 Fungsi Kepatuhan / Compliance Function Bank yang Belum Diungkap dalam Laporan Lain /
Transparency of the Bank’s Financial and Non-Financial
276 Perkara Hukum / Legal Matters Conditions Not Yet Disclosed in Other Reports
279 Program Anti-Pencucian Uang, Pencegahan Pendanaan 304 Penerapan Pedoman Tata Kelola Perusahaan Terbuka /
Terorisme, dan Pencegahan Pendanaan Proliferasi Implementation of Corporate Governance Guidelines for
Senjata Pemusnah Massal / Anti-Money Laundering, Public Companies
Counter-Terrorism Financing, and Counter-Proliferation
of Weapons of Mass Destruction Financing Program
312 Laporan Keberlanjutan
Sustainability Report
314 Tata Kelola Keberlanjutan / Sustainability Governance 343 Keberlanjutan Aspek Lingkungan Hidup / Environmental
Aspect Sustainability
322 Keberlanjutan Aspek Sosial / Social Aspect Sustainability
352 Verifikasi Tertulis dari Pihak Independen / Independent 355 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa
Party Written Verification Keuangan Nomor 51/POJK.03/2017 / List of Disclosure
According to Financial Services Authority Regulation
352 Tanggapan terhadap Umpan Balik Laporan Number 51/POJK.03/2017
Keberlanjutan Tahun Sebelumnya / Response to
Feedback Of Previous Year’s Sustainability Report 358 Daftar Pengungkapan Sesuai Pelaporan ESG Metrik /
List of Disclosures as per ESG Metrics Reporting
353 Lembar Umpan Balik / Feedback Form
360 Laporan Keuangan / Financial Statements
Laporan Informasi Kuantitatif / Quantitative
Information Report
2025 Annual Report | PT Bank Capital Indonesia Tbk 5
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Pencapaian Tahun 2025
Achievement in 2025
Jumlah Aset
Total Assets
2025 28.038.356 24,11%
2024 22.591.205
(dalam jutaan Rupiah)
(in millions of Rupiah)
(dalam jutaan Rupiah)
2025 2024 (in millions of Rupiah)
Jumlah Ekuitas
Total Equity
6.754.864 6.623.017 1,99%
Dana Pihak Ketiga
Third Party Funds
18.254.018 12.572.261 45,19%
Kredit yang Diberikan Pendapatan Bunga Laba Bersih
Loans Interest Income Net Income
(dalam jutaan Rupiah) (dalam jutaan Rupiah) (dalam jutaan Rupiah)
(in millions of Rupiah) (in millions of Rupiah) (in millions of Rupiah)
2025 2025 2025
11.035.791 1.491.241 125.985
2024 7.794.763 2024 979.700 2024 109.378
41,58% 52,21% 15,18%
Resmi menggunakan energi bersih melalui Meraih penghargaan sebagai Pioneers
Peringkat Perusahaan pembelian Renewable Energy Certificate of The Indonesia Renewable Energy
Company Rating sebesar 2.098 MWh di PT Indonesia Certificate Market dari PT Indonesia
Commodity and Derivatives Exchange. Commodity and Derivatives Exchange dan
idBBB+/Stable dari Pefindo Ratings PT Indonesia Clearing House.
Officially adopted the use of clean energy
idBBB+/Stable from Pefindo Ratings
through the purchase of Renewable Energy Received an award as Pioneers of
Certificates amounting to 2,098 MWh from the Indonesia Renewable Energy
PT Indonesia Commodity and Derivatives Certificate Market from PT Indonesia
Exchange. Commodity and Derivatives Exchange and
PT Indonesia Clearing House.
6 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Komitmen dan Strategi Keberlanjutan [POJK A.1]
Sustainability Commitment and Strategy
Bank Capital menempatkan keberlanjutan sebagai inti Bank Capital places sustainability at the core of its
strategi pertumbuhan dan keberlangsungan usaha. Bagi growth strategy and business continuity. For the Bank,
Bank, keberlanjutan bukan sekadar program tambahan, sustainability is not merely an additional program, but
melainkan landasan untuk menciptakan masa depan a foundation for creating an inclusive, responsible,
yang inklusif, bertanggung jawab, dan berdaya saing. and competitive future. This perspective is reflected
Pandangan ini tercermin dalam komitmen terhadap in its commitment to Environmental, Social, and Good
aspek Lingkungan, Sosial, dan Tata Kelola yang Baik Governance (ESG) aspects, which are integrated into
(LST), yang terintegrasi dengan budaya organisasi dan the organizational culture and the core values of Bank
nilai-nilai luhur Bank Capital. Capital.
Sebagai wujud komitmen tersebut, Bank Capital telah As a manifestation of this commitment, Bank Capital
menyusun Rencana Aksi Keuangan Berkelanjutan has prepared a Sustainable Finance Action Plan (RAKB)
(RAKB) sesuai dengan ketentuan Peraturan Otoritas in accordance with the provisions of Financial Services
Jasa Keuangan Nomor 51/POJK.03/2017. Dokumen Authority Regulation Number 51/POJK.03/2017. This
ini menjadi panduan strategis untuk mencapai document serves as a strategic guideline to achieve
Visi Keuangan Berkelanjutan 2026, dengan the 2026 Sustainable Finance Vision, taking into
mempertimbangkan kondisi keuangan, kapasitas teknis, account financial conditions, technical capacity, and
dan kesiapan organisasi menghadapi dinamika internal the organization’s readiness to respond to both internal
maupun eksternal. and external dynamics.
2025 Annual Report | PT Bank Capital Indonesia Tbk 7
Page 10
Melalui implementasi RAKB, Bank Capital memperkuat Through the implementation of the RAKB, Bank Capital
posisi sebagai bank ritel yang sehat, berkelanjutan, strengthens its position as a sound, sustainable, and
dan terpercaya. Bank berkomitmen mendukung trusted retail bank. The Bank is committed to supporting
pembangunan ekonomi yang inklusif, meningkatkan inclusive economic development, improving community
kesejahteraan masyarakat, serta mengelola lingkungan welfare, and managing the environment in a prudent and
secara bijak dan bertanggung jawab. Dengan arah responsible manner. With a clear direction and consistent
yang jelas dan langkah konsisten, Bank Capital terus actions, Bank Capital continues to pursue sustainable
mengupayakan pembangunan berkelanjutan yang development that delivers long-term benefits, not
memberikan manfaat jangka panjang, tidak hanya bagi only to Shareholders, but also to all stakeholders,
Pemegang Saham, tetapi juga bagi seluruh pemangku the community, and the environment.
kepentingan, masyarakat, dan lingkungan hidup.
Analisis Risiko dan Peluang atas Risk and Opportunity Analysis on
Isu Keberlanjutan Sustainability Issues
Bank melakukan analisis risiko dan peluang atas The Bank conducts risk and opportunity analysis on
isu material keberlanjutan untuk memastikan arah material sustainability issues to ensure that its strategic
strategi yang selaras dengan prinsip LST. Langkah ini direction is aligned with ESG principles. This step
juga merupakan bentuk tindak lanjut atas komitmen also serves as a follow-up to the Bank’s commitment
Bank dalam mendukung pencapaian Sustainable to supporting the achievement of the Sustainable
Development Goals (SDGs), yang berfungsi sebagai Development Goals (SDGs), functioning as a means
sarana evaluasi terhadap potensi dampak terhadap to evaluate potential impacts on business continuity
keberlangsungan usaha sekaligus mengidentifikasi while identifying strategic opportunities that can create
peluang strategis yang dapat menciptakan nilai sustainable value for all stakeholders.
berkelanjutan bagi seluruh pemangku kepentingan.
Pendekatan tersebut memungkinkan Bank untuk This approach enables the Bank to assess ESG aspects
menelaah secara seimbang aspek LST dalam aktivitas in a balanced manner across its operational activities
operasional, serta menyiapkan langkah mitigasi yang and to prepare proportionate mitigation measures for
proporsional terhadap risiko yang teridentifikasi. Uraian the identified risks. The following outlines the results
berikut menggambarkan hasil analisis atas setiap topik of the analysis for each material sustainability topic,
material keberlanjutan, termasuk potensi risiko dan including potential risks and opportunities that may be
peluang yang dapat dioptimalkan untuk memperkuat optimized to strengthen the Bank’s business resilience
ketahanan dan keberlanjutan bisnis Bank: and sustainability:
Risiko Utama Peluang Potensial
Kategori LST Key Risks Potential Opportunities
Isu Strategis
ESG Strategic Issues
Category Jangka Pendek Jangka Panjang Jangka Pendek Jangka Panjang
Short Term Long Term Short Term Long Term
Pembiayaan Peningkatan kredit Ketergantungan pada Integrasi pertimbangan Transisi portofolio
berisiko lingkungan bermasalah secara sektor berintensitas LST dalam proses menuju pembiayaan
dan perubahan aktual terjadi pada karbon berpotensi analisis kredit mulai berkelanjutan dan green
iklim. debitur yang terdampak menurunkan kualitas meningkatkan kualitas financing mendorong
bencana alam, transisi portofolio kredit manajemen risiko dan ketahanan bisnis
kebijakan lingkungan, secara struktural serta selektivitas pembiayaan. serta membuka akses
atau perubahan iklim, meningkatkan risiko pendanaan hijau jangka
yang memengaruhi transisi. panjang.
kualitas aset dan kinerja
Lingkungan pembiayaan Bank.
Environment Environment- and An actual increase in Dependence on carbon- The integration of ESG The transition of
climate change– non-performing loans intensive sectors considerations into the the portfolio toward
related financing occurs among debtors has the potential to credit analysis process sustainable financing
risks. affected by natural structurally deteriorate has begun to enhance and green financing
disasters, environmental the quality of the credit risk management strengthens business
policy transitions, or portfolio and increase quality and financing resilience and opens
climate change, which transition risk. selectivity. access to long-term
impacts asset quality green funding.
and the Bank’s financing
performance.
8 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Risiko Utama Peluang Potensial
Kategori LST Key Risks Potential Opportunities
Isu Strategis
ESG Strategic Issues
Category Jangka Pendek Jangka Panjang Jangka Pendek Jangka Panjang
Short Term Long Term Short Term Long Term
Konsumsi Inefisiensi penggunaan Risiko reputasi dan Program efisiensi Penurunan jejak
energi dan emisi energi pada operasional ketidakpatuhan energi memberikan karbon operasional
operasional. kantor secara aktual terhadap standar penghematan secara berkelanjutan
meningkatkan biaya lingkungan berpotensi biaya operasional memperkuat reputasi
operasional dan beban meningkat seiring dan meningkatkan Bank sebagai institusi
emisi karbon Bank. tuntutan transparansi efektivitas penggunaan yang bertanggung
emisi dan efisiensi sumber daya. jawab terhadap
energi. lingkungan.
Energy Inefficiencies in Reputational risk and Energy efficiency A sustained reduction in
consumption energy usage in office non-compliance with programs provide the operational carbon
and operational operations have in environmental standards operational cost footprint strengthens
emissions. practice increased may increase in line with savings and enhance the Bank’s reputation
the Bank's operational growing demands for the effectiveness of as an environmentally
costs and carbon emission transparency resource utilization. responsible institution.
emission burden. and energy efficiency.
Perlindungan data Gangguan sistem Kehilangan kepercayaan Penguatan sistem Keunggulan kompetitif
dan keamanan dan potensi kerugian nasabah dan keamanan teknologi digital dan loyalitas
siber. finansial secara aktual meningkatnya risiko informasi meningkatkan nasabah meningkat
dapat timbul akibat litigasi dapat berdampak keandalan layanan dan melalui pengelolaan data
insiden keamanan siber jangka panjang kepercayaan nasabah. yang aman dan andal.
dan kebocoran data. terhadap reputasi dan
Sosial keberlanjutan usaha
Bank.
Social
Data protection and System disruptions and Loss of customer trust Strengthening Digital competitive
cyber security. potential financial losses and increased litigation information technology advantage and
may in practice arise risk may have long-term security systems customer loyalty are
from cyber security impacts on the Bank’s enhances service strengthened through
incidents and data reputation and business reliability and customer secure and reliable data
breaches. sustainability. trust. management.
Akses dan inklusi Keterbatasan penetrasi Hilangnya peluang Perluasan layanan ke Pertumbuhan bisnis
keuangan. ke segmen usaha mikro, pertumbuhan segmen underserved inklusif mendukung
kecil, dan menengah berkelanjutan meningkatkan jumlah stabilitas pendapatan
secara aktual membatasi apabila Bank tidak nasabah dan diversifikasi dan kontribusi sosial
pertumbuhan berperan aktif dalam pendapatan. Bank dalam jangka
pembiayaan dan basis pengembangan inklusi panjang.
nasabah. keuangan.
Sosial
Social
Access to and Limited penetration The loss of sustainable The expansion of Inclusive business
financial inclusion. into the micro, small, growth opportunities services to underserved growth supports
and medium enterprise may occur if the Bank segments increases the long-term revenue
segments in practice does not actively number of customers stability and the Bank’s
constrains financing participate in the and diversifies revenue. social contribution.
growth and the development of
customer base. financial inclusion.
Etika bisnis dan Sanksi regulasi dan risiko Kerusakan reputasi Penguatan Kepercayaan pemangku
kepatuhan. kepatuhan secara aktual dan penurunan budaya kepatuhan kepentingan yang
dapat memengaruhi kepercayaan investor meningkatkan disiplin berkelanjutan
operasional dan berpotensi berdampak internal dan kualitas mendukung stabilitas
menimbulkan biaya signifikan terhadap nilai pengambilan keputusan. dan pertumbuhan
Tata Kelola tambahan. perusahaan. jangka panjang Bank.
Governance Business ethics and Regulatory sanctions Reputational damage Strengthening a culture Sustained stakeholder
compliance. and compliance risks and declining investor of compliance enhances trust supports
may in practice affect confidence may internal discipline and the Bank’s long-term
operations and result in potentially have a the quality of decision- stability and growth.
additional costs. significant impact on making.
the company’s value.
2025 Annual Report | PT Bank Capital Indonesia Tbk 9
Page 12
Risiko Utama Peluang Potensial
Kategori LST Key Risks Potential Opportunities
Isu Strategis
ESG Strategic Issues
Category Jangka Pendek Jangka Panjang Jangka Pendek Jangka Panjang
Short Term Long Term Short Term Long Term
Manajemen risiko Ketidakefektifan Penurunan nilai Penyempurnaan Ketahanan bisnis dan
dan tata kelola. pengambilan keputusan perusahaan dapat kerangka GCG keberlanjutan usaha
secara aktual dapat terjadi apabila tata meningkatkan Bank semakin kuat
meningkatkan eksposur kelola tidak mampu efektivitas pengawasan melalui penerapan tata
risiko operasional dan mengantisipasi risiko dan mitigasi risiko. kelola yang konsisten
keuangan. strategis jangka dan adaptif.
panjang.
Risk management Ineffective decision- A decline in Enhancement of Business resilience and
and governance. making may in practice the company’s value the GCG framework the Bank’s business
increase exposure to may occur if governance improves the sustainability are
operational and financial is unable to anticipate effectiveness of strengthened through
risks. long-term strategic oversight and risk the consistent
risks. mitigation. and adaptive
implementation of
governance.
Prioritas Rencana Aksi Keuangan Berkelanjutan Sustainable Finance Action Plan Priorities
Sebagai bukti nyata komitmen terhadap pengembangan As tangible evidence of its commitment to
keuangan berkelanjutan, Bank Capital telah menyusun the development of sustainable finance, Bank Capital
RAKB untuk periode 2026–2030. Dokumen ini dirancang has prepared a RAKB for the 2026–2030 period. This
sebagai peta jalan strategis yang menegaskan peran document is designed as a strategic roadmap that
Bank dalam menanamkan nilai keberlanjutan ke dalam affirms the Bank’s role in embedding sustainability
setiap lini operasional dan organisasi. Melalui RAKB values across all operational and organizational lines.
tersebut, Bank Capital berupaya memperkuat budaya Through the RAKB, Bank Capital seeks to strengthen
keberlanjutan, mendorong inovasi, serta memastikan a culture of sustainability, encourage innovation, and
prinsip LST terintegrasi secara menyeluruh. Sejumlah ensure the comprehensive integration of ESG principles.
prioritas strategis yang ditetapkan meliputi: The strategic priorities established include, among
others:
Tahun Target Perencanaan Kegiatan Indikator Keberhasilan
Year Activity Planning Targets Success Indicators
2026 Pengembangan produk dan/atau jasa keuangan Peningkatan portofolio keuangan berkelanjutan serta inovasi
berkelanjutan. produk dan jasa keuangan berbasis LST/ESG untuk memperluas
jangkauan pasar dan mendukung program keuangan berkelanjutan.
Development of sustainable finance products Growth of sustainable finance portfolio as well as innovation of
and/or services. ESG-based financial products and services to expand market
outreach and support the sustainable finance program.
Penggunaan energi terbarukan. Pembelian Renewable Energy Certificate (REC) melalui Indonesia
Commodity and Derivatives Exchange (ICDX) sebagai komitmen
dalam mendorong prinsip Environmental, Social, and Governance
(ESG) untuk mencapai pertumbuhan ekonomi hijau.
Use of renewable energy. Purchase of Renewable Energy Certificate (REC) through
Indonesia Commodity and Derivatives Exchange (ICDX) as
a commitment in driving the Environmental, Social, and
Governance (ESG) principles to achieve green economy growth.
Pengembangan kapasitas sumber daya manusia. Peningkatan kompetensi karyawan dalam keuangan berkelanjutan.
Capacity development of human resources. Competency development of employee related to sustainable
finance.
10 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tahun Target Perencanaan Kegiatan Indikator Keberhasilan
Year Activity Planning Targets Success Indicators
Penghematan energi di internal. Peningkatan awareness pada karyawan Bank Capital di kantor
pusat maupun cabang dalam penghematan energi listrik, kertas,
air, dan aktivitas keuangan berkelanjutan lainnya.
Internal energy savings. Increased awareness among Bank Capital employees both at the
head and branch offices on energy, paper, and water conservation,
as well as other sustainable financial activities.
Corporate Social Responsibility (CSR). • Penyaluran dana CSR sebagai tanggung jawab sosial dan
lingkungan; dan
• Penyelenggaraan program literasi dan inklusi keuangan.
Corporate Social Responsibility (CSR). • Allocation of CSR funds as part of social and environmental
responsibility; and
• Implementation of financial literacy and inclusion programs.
2027 - 2029 Mewujudkan penerapan keuangan berkelanjutan Akselerasi penyaluran kredit kepada kegiatan usaha kategori
yang mampu mendorong pertumbuhan ekonomi berkelanjutan.
secara berkelanjutan.
Realizing the implementation of sustainable finance Accelerating loan disbursement to businesses categorized as
that drives long-term economic growth. sustainable.
Realisasi Rencana Aksi Keuangan Berkelanjutan Realization of Sustainable Finance Action Plan
Sepanjang tahun 2025, Bank Capital memusatkan Throughout 2025, Bank Capital focused on strategic
perhatian pada prioritas strategis keberlanjutan untuk sustainability priorities to ensure that each initiative
memastikan setiap inisiatif memberikan dampak positif delivered positive impacts on the economy, society, and
bagi ekonomi, masyarakat, dan lingkungan. Prioritas the environment. The main priorities of focus include,
utama yang menjadi fokus meliputi: among others:
Target Kegiatan Prioritas Pencapaian Tahun 2025
Target of Priority Activities Achievements in 2025
Pengembangan produk dan/atau jasa Bank Capital terus mengembangkan inovasi produk dan jasa keuangan berbasis LST/ESG
keuangan berkelanjutan. untuk memperluas jangkauan pasar dan mendukung program keuangan berkelanjutan.
Inisiatif tersebut diwujudkan melalui pengembangan aplikasi dan layanan digital.
Development of sustainable financial Bank Capital continues developing the innovation of ESG-based financial products and
products and/or services. services to expand market outreach and support the sustainable finance program. These
initiatives are realized through the development of digital applications and services.
Penggunaan energi terbarukan. Bank melakukan pembelian REC sebanyak 2.098 MWh melalui ICDX sebagai
penyelenggara Bursa Tenaga Listrik Terbarukan. Bank Capital menunjukan komitmennya
dalam mendorong prinsip ESG untuk mencapai pertumbuhan ekonomi hijau.
Use of renewable energy. The Bank purchased 2,098 MWh of REC through ICDX as the organizer of Renewable
Electricity Exchange. Bank Capital is showing its commitment in driving ESG principles to
achieve green economy growth.
Pengembangan kapasitas sumber daya Unit kerja dan pejabat yang terkait dengan penerapan aksi keuangan berkelanjutan
manusia tingkat lanjutan. mendapatkan sosialisasi dari Otoritas Jasa Keuangan untuk meningkatkan kompetensi
dalam keuangan berkelanjutan.
Developing advanced human resources. Relevant units and officials involved in sustainable finance initiatives have received
socialization from the Financial Services Authority to enhance their competencies in
sustainable finance.
Penyesuaian internal – penerapan Bank mampu melakukan penghematan listrik serta mengurangi penggunaan air. Komitmen
penghematan energi. jangka panjang Bank telah terbukti sehingga menghadirkan dukungan berkelanjutan bagi
upaya pengurangan emisi serta dampak buruk lain bagi lingkungan.
Internal adjustments – implementation of The Bank is able to carry out electricity savings and lower the water use.
energy saving initiatives. The long-term commitment of the Bank is proven and generating sustainable support for
the efforts of emissions reduction as well as other adverse environmental impacts.
2025 Annual Report | PT Bank Capital Indonesia Tbk 11
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Target Kegiatan Prioritas Pencapaian Tahun 2025
Target of Priority Activities Achievements in 2025
Corporate Social Responsibility (CSR). Menyelenggarakan kegiatan perayaan Hari Ulang Tahun Republik Indonesia (HUT RI)
bersama anak-anak rusun, kegiatan donor darah, donasi korban bencana di Sumatra, serta
kegiatan program literasi dan inklusi keuangan.
Held Indonesia Independence Day celebration with children living in low-cost flats (rusun),
blood donation event, donations for disaster victims in Sumatra, as well as financial
literacy and inclusion programs.
Sebagai bagian dari pencapaian RAKB 2025, As part of the 2025 RAKB achievement, Bank Capital has
Bank Capital telah melaksanakan berbagai inisiatif conducted various resources-saving initiatives, such as
penghematan sumber daya, kampanye penghematan energy, paper, and water conservation campaigns, raising
energi listrik, kertas, dan air, menumbuhkan awareness awareness of sustainable finance activities among Bank
terhadap aktivitas keuangan berkelanjutan pada Capital employees both at the head and branch offices.
karyawan Bank Capital di kantor pusat maupun cabang. Bank Capital is also preparing the implementation
Bank Capital juga mempersiapkan pelaksanaan asesmen of debtors’ assessment based on Indonesia Green
terhadap debitur berdasarkan kriteria pada taksonomi Taxonomy criteria, by classifying debtors according to
hijau Indonesia, mengelompokkan debitur berdasarkan the Indonesia green taxonomy, reporting the number
kategori terhadap taksonomi hijau Indonesia, dan of debtors within an established time, and aligning
melaporkan jumlah debitur pada waktu yang telah interdepartmental work SOPs with the Indonesian green
ditetapkan serta menyesuaikan antar kerja SOP yang taxonomy. Bank Capital supports sustainable finance
sejalan dengan taksonomi hijau Indonesia. Bank Capital activities that create positive impacts for businesses,
mendukung aktivitas keuangan berkelanjutan yang socially toward the communities, and the environment.
berdampak positif bagi bisnis, sosial ke masyarakat dan
lingkungan hidup.
Hubungan dengan Pemangku Kepentingan Relationship with Stakeholders [POJK E.4]
[POJK E.4]
Bank Capital memahami bahwa keberhasilan penerapan Bank Capital recognizes that the successful
prinsip keberlanjutan sangat bergantung pada hubungan implementation of sustainability principles is highly
yang kuat dan partisipasi aktif seluruh pemangku dependent on strong relationships and the active
kepentingan. Setiap kelompok pemangku kepentingan participation of all stakeholders. Each stakeholder group
memegang peran strategis dalam mendukung plays a strategic role in supporting the achievement
tercapainya tujuan keberlanjutan Bank. Oleh karena itu, of the Bank’s sustainability objectives. Accordingly,
Bank Capital secara konsisten membangun hubungan Bank Capital consistently builds constructive and
yang konstruktif, berkesinambungan, dan berbasis pada sustainable relationships based on trust, transparency,
kepercayaan, transparansi, serta komunikasi yang efektif. and effective communication.
Dalam setiap pengambilan keputusan strategis, In every strategic decision-making process, Bank
Bank Capital senantiasa mempertimbangkan aspirasi, Capital consistently takes into account the aspirations,
kebutuhan, dan ekspektasi pemangku kepentingan needs, and expectations of stakeholders to ensure
guna memastikan setiap kebijakan yang diambil relevan that the policies adopted are relevant and deliver
serta memberikan manfaat berimbang bagi semua balanced benefits to all parties. As a manifestation of
pihak. Sebagai wujud komitmen ini, Bank Capital telah this commitment, Bank Capital has identified its key
mengidentifikasi kelompok pemangku kepentingan stakeholder groups and formulated specific strategies
utama dan menyusun strategi khusus untuk memenuhi to address their needs more effectively, as outlined
kebutuhan mereka secara lebih tepat sasaran yang below:
diuraikan sebagai berikut:
12 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Pemangku
Metode Pelibatan Frekuensi
Kepentingan
Methods of Engagement Frequency
Stakeholders
Karyawan • Penyediaan sistem pelaporan pelanggaran untuk melaporkan Sepanjang tahun atau sesuai rencana
Employee pelanggaran praktik ketenagakerjaan di lingkungan Bank. pelaksanaan program.
• Penyusunan perjanjian kerja bersama.
• Pelaksanaan berbagai kegiatan pendidikan dan pelatihan, serta
promosi atau mutasi.
• Pelaksanaan survei kepuasan karyawan.
• Implementing violation reporting system to report employment Throughout the year or according to
practices within the Bank’s environment. program implementation plan.
• Formulating collective labor agreements.
• Conducting various education and training activities, as well as
promotions or transfers.
• Conducting employee satisfaction surveys.
Investor/Pemegang • Pelaksanaan Rapat Umum Pemegang Saham (RUPS). Setiap tahun, sesuai waktu yang
Saham • Penyampaian Laporan Tahunan dan Laporan Keberlanjutan. ditentukan, atau sesuai kebutuhan.
Investors/Shareholders • Pelaksanaan paparan kinerja Bank.
• Akses informasi dalam situs web Bank.
• Conducting General Meeting of Shareholders (GMS). Annually, at set by times, or as needed.
• Submitting Annual Reports and Sustainability Reports.
• Conducting Bank performance presentations.
• Accessing information on the Bank’s website.
Pemerintah dan • Penyampaian Laporan Tahunan, Laporan Keberlanjutan, Laporan Setiap tahun, sesuai waktu yang
Regulator GCG, serta laporan lainnya. ditentukan, atau sesuai kebutuhan.
Government and • Pembayaran dan pelaporan pajak.
Regulators • Delivering Annual Reports, Sustainability Reports, GCG Reports, Annually, at set times, or as needed.
and other reports.
• Paying and reporting taxes.
Mitra Bisnis • Perumusan dan pemenuhan kontrak kerja sama. Sepanjang tahun atau sesuai kebutuhan.
Business Partner • Pelaksanaan pertemuan berkala.
• Formulating and fulfilling partnership contracts. Throughout the year or as needed.
• Conducting regular meetings.
Media Pelaksanaan konferensi pers. Sesuai kebutuhan.
Conducting a press conference. As needed.
Nasabah • Penyediaan layanan call center. Sepanjang tahun atau sesuai kebutuhan.
Customer • Pelaksanaan survei kepuasan nasabah.
• Providing call center services. Throughout the year or as needed.
• Conducting customer satisfaction surveys.
Masyarakat • Pelaksanaan program pengembangan masyarakat. Sesuai rencana pelaksanaan program
Public • Pelaksanaan kegiatan literasi dan inklusi keuangan. atau sesuai kebutuhan.
• Penyediaan sistem pelaporan pelanggaran untuk menerima
pengaduan masyarakat.
• Implementing community development programs. According to program implementation
• Conducting financial literacy and inclusion activities. plan or as needed.
• Providing a violation reporting system to receive community
complaints.
Tantangan Penerapan Prinsip Berkelanjutan dan Challenges in Implementing Sustainability
Strategi ke Depan [POJK E.5] Principles and Future Strategies [POJK E.5]
Di tahun 2025, dinamika ekonomi global dan nasional In 2025, uncertain global and national economic
yang penuh ketidakpastian, disertai percepatan dynamics, accompanied by the accelerated digitalization
digitalisasi sektor keuangan, menghadirkan tantangan of the financial sector, presented new challenges to
baru bagi upaya penerapan keuangan berkelanjutan di the implementation of sustainable finance at Bank
Bank Capital. Kompleksitas ini tercermin dari adanya Capital. This complexity is reflected in both internal and
tantangan internal maupun eksternal yang perlu external challenges that must be carefully managed to
dikelola secara cermat agar prinsip keberlanjutan tetap ensure that sustainability principles remain integrated
terintegrasi dalam strategi bisnis Bank. into the Bank’s business strategy.
2025 Annual Report | PT Bank Capital Indonesia Tbk 13
Page 16
Dari sisi internal, Bank Capital menghadapi keterbatasan From an internal perspective, Bank Capital faced
sumber daya manusia yang memiliki kompetensi khusus limitations in human resources with specific
dalam bidang keuangan berkelanjutan. Kebutuhan untuk competencies in sustainable finance. The need
meningkatkan kapasitas, pemahaman konsep, serta to enhance capacity, strengthen conceptual
dukungan infrastruktur dan pendanaan menjadi prioritas understanding, and provide adequate infrastructure
agar penerapan prinsip keberlanjutan dapat berjalan and funding support became priorities to ensure
efektif di seluruh lapisan organisasi. Untuk menjawab the effective implementation of sustainability principles
tantangan ini, Bank Capital secara konsisten memperluas across all levels of the organization. To address these
program sosialisasi, pelatihan, dan pengembangan challenges, Bank Capital consistently expanded
karyawan berbasis keberlanjutan guna menyamakan sustainability-based socialization, training, and
persepsi serta memperkuat kemampuan teknis. employee development programs to align perspectives
and strengthen technical capabilities.
Sementara itu, tantangan eksternal muncul dari Meanwhile, external challenges arose from rapid
perubahan cepat industri jasa keuangan yang semakin changes in an increasingly competitive financial services
kompetitif, didorong oleh kemajuan teknologi dan industry, driven by technological advancement and
pergeseran perilaku nasabah. Tahun 2025 ditandai oleh shifts in customer behavior. The year 2025 was marked
meningkatnya permintaan atas produk dan layanan by growing demand for more complex, transparent,
keuangan digital yang lebih kompleks, transparan, dan and sustainable digital financial products and services.
berkelanjutan. Menghadapi situasi ini, Bank Capital In response, Bank Capital accelerated its digital
mempercepat transformasi digital dengan menghadirkan transformation by introducing product innovations,
inovasi produk, layanan yang relevan dengan kebutuhan delivering services aligned with customer needs, and
nasabah, serta memperkuat tata kelola risiko agar tetap strengthening risk governance to remain adaptive to
adaptif terhadap dinamika pasar. market dynamics.
Melalui langkah-langkah strategis tersebut, Bank Capital Through these strategic measures, Bank Capital seeks to
berupaya memastikan bahwa tantangan di tahun 2025 ensure that the challenges in 2025 can be transformed
dapat diubah menjadi peluang untuk memperkokoh into opportunities to further reinforce the Company’s
posisi Perseroan sebagai pelaku perbankan yang position as a sustainable, sound, and trusted banking
berkelanjutan, sehat, dan terpercaya. institution.
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2025 Annual Report | PT Bank Capital Indonesia Tbk 15
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Kilas Kinerja Performance at a Glance 16 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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2025 Annual Report | PT Bank Capital Indonesia Tbk 17
Page 20
Ikhtisar Keberlanjutan Ekonomi [POJK B.1]
Economic Sustainability Highlights
Laporan Posisi Keuangan
Statement of Financial Position
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
Aset / Assets
Kas 96.181 65.109 57.210 Cash
Giro pada Bank Indonesia 1.813.597 1.619.352 2.116.518 Current Account with Bank Indonesia
Giro pada Bank Lain 172.010 64.523 49.346 Current Account with Other Bank
Penempatan pada Bank Indonesia dan Placement with Bank Indonesia and Other
2.694.714 1.449.578 -
Bank Lain Banks
Efek-Efek 6.775.868 5.782.846 3.608.429 Securities
Kredit yang Diberikan Loans
Pihak Berelasi 477 434 9.200 Related Parties
Pihak Ketiga 11.035.314 7.794.329 7.012.883 Third Parties
Piutang Bunga 109.432 99.636 87.416 Interest Receivables
Biaya dibayar di muka 4.052.111 4.521.023 - Prepaid expenses
Aset Tetap – Neto 742.925 765.632 654.157 Fixed Assets – Net
Aset Pajak Tangguhan 6.851 11.032 10.260 Deferred Tax Assets
Aset Lain-Lain 538.876 417.711 5.653.768 Other Assets
Jumlah Aset 28.038.356 22.591.205 19.259.187 Total Assets
Liabilitas / Liabilities
Liabilitas Segera 673.331 359.777 232.648 Current Liabilities
Simpanan dari Nasabah 18.254.018 12.572.261 12.518.423 Deposits from Customers
Simpanan dari Bank Lain 752.814 725.275 868.716 Deposits from Other Banks
Efek-Efek yang Dijual dengan Janji Dibeli Securities Sold under Agreements to
1.346.597 2.031.910 1.817.260
Kembali Repurchase
Utang Pajak 41.335 31.693 19.357 Taxes Payables
Liabilitas Lain-Lain 151.579 190.451 117.312 Other Liabilities
Liabilitas Imbalan Pasca Kerja 63.818 56.821 45.702 Post Employment Benefits Liabilities
Obligasi Subordinasi - Bersih - - 249.449 Subordinated Bonds – Net
Jumlah Liabilitas 21.283.492 15.968.188 15.868.867 Total Liabilities
Ekuitas / Equity
Modal Ditempatkan dan Disetor Penuh 1.995.302 1.995.302 1.995.302 Issued and Fully Paid-In Capital
Tambahan Modal Disetor – Neto 21.363 21.363 21.363 Additional Paid-In Capital – Net
Uang Muka Setoran Modal 3.000.000 3.000.000 - Advance for Share Subscription
Keuntungan yang Belum Direalisasi atas
Unrealized Gains on Financial Assets at
Aset Keuangan yang Diukur pada Nilai
253.923 246.923 207.515 Fair Value through Other Comprehensive
Wajar melalui Penghasilan Komprehensif
Net - Income
Lain – Neto
18 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Kilas Kinerja
Performance at a Glance
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
Kerugian Pengukuran Kembali atas Remeasurement Loss on Defined Benefit
(22.471) (21.333) (14.142)
Program Imbalan Pasti - Neto Program - Net
Revaluation Surplus of Fixed Assets
Surplus Revaluasian Aset Tetap - Neto 201.800 206.501 127.258
– Net
Saldo Laba Retained Earnings
Telah Ditentukan Penggunaannya 65.611 63.611 61.611 Appropriated
Belum Ditentukan Penggunaannya 1.239.336 1.110.650 991.413 Unappropriated
Jumlah Ekuitas 6.754.864 6.623.017 3.390.320 Total Equity
Jumlah Liabilitas dan Ekuitas 28.038.356 22.591.205 19.259.187 Total Liabilities and Equity
Laporan Laba Rugi dan Penghasilan Komprehensif Lain
Statement of Profit or Loss and Other Comprehensive Income
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
Pendapatan Bunga 1.491.241 979.700 838.840 Interest Income
Beban Bunga (937.643) (1.032.545) (1.186.008) Interest Expense
Pendapatan (Beban) Bunga – Neto 553.598 (52.845) (347.168) Net Interest Income (Expense)
Pendapatan Operasional Lainnya 654.887 965.992 954.006 Other Operating Income
Pembentukan Cadangan Penurunan Nilai Allowance for Impairment on Financial
(4.174) 21.739 22.795
Aset Keuangan Asset
Beban Operasional Lainnya – Neto (1.021.784) (740.204) 438.607 Other Operating Expense – Net
Laba Operasional 182.527 151.204 145.436 Operating Income
Beban Non-Operasional – Neto (19.271) (7.715) (14.796) Non-Operating Income – Net
Laba Sebelum Beban Pajak 163.256 143.489 130.640 Income Before Tax Expense
Beban Pajak – Neto (37.271) (34.111) (28.873) Tax Expense – Net
Laba Bersih Tahun Berjalan 125.985 109.378 101.767 Net Income for the Year
Pendapatan Komprehensif Lain Tahun Other Comprehensive Income for
5.862 111.460 1.016
Berjalan Setelah Pajak the Year Net of Tax
Penghasilan Komprehensif Tahun Berjalan 131.847 220.838 102.783 Comprehensive Income for the Year
Laba per Saham Dasar (Nilai Penuh) 6,31 5,48 5,10 Earnings per Share (Full Amount)
2025 Annual Report | PT Bank Capital Indonesia Tbk 19
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Jumlah Aset Jumlah Liabilitas
Total Assets Total Liabilities
(dalam jutaan Rupiah / in millions of Rupiah) (dalam jutaan Rupiah / in millions of Rupiah)
19.259.187 22.591.205 28.038.356 15.868.867 15.968.188 21.283.492
2023 2024 2025 2023 2024 2025
Jumlah Ekuitas Pendapatan Bunga
Total Equity Interest Income
(dalam jutaan Rupiah / in millions of Rupiah) (dalam jutaan Rupiah / in millions of Rupiah)
3.390.320 6.623.017 6.754.864 838.840 979.700 1.491.241
2023 2024 2025 2023 2024 2025
Laporan Arus Kas
Statement of Cash Flows
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 2023 Description
Cash Flows from (for)
Arus Kas dari (untuk) Aktivitas Operasi 1.611.410 (1.966.979) (1.546.140)
Operating Activities
Arus Kas dari Aktivitas Investasi (33.470) (57.533) (6.014) Cash Flows from Investing Activities
Arus Kas dari Aktivitas Pendanaan - 3.000.000 - Cash Flows from Financing Activities
(Decrease) Increase in Cash
(Penurunan) Kenaikan Kas dan Setara Kas 1.577.940 975.488 (1.552.154)
and Cash Equivalent
Cash and Cash Equivalent
Kas dan Setara Kas Awal Tahun 3.198.562 2.223.074 3.775.228
at Beginning of Year
Kas dan Setara Kas Akhir Tahun 4.776.502 3.198.562 2.223.074 Cash and Cash Equivalent at End of Year
20 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 23
Kilas Kinerja
Performance at a Glance
Rasio Keuangan
Financial Ratio
(dalam % / in %)
Uraian 2025 2024 2023 Description
Return on Assets (ROA) 0,68 0,72 0,64 Return on Assets (ROA)
Return on Equity (ROE) 1,92 2,75 3,15 Return on Equity (ROE)
Net Interest Margin (NIM) 3,55 0,66 (1,08) Net Interest Margin (NIM)
Rasio Beban Overhead terhadap Ratio of Overhead Expenses to
3,64 3,24 2,22
Jumlah Aset Total Assets
Beban Operasional terhadap Pendapatan Operating Expenses to
97,69 97,13 97,21
Operasional (BOPO) Operating Income (BOPO)
Jumlah Liabilitas terhadap Total Liabilities to
315,08 241,10 468,06
Jumlah Ekuitas Total Equity
Jumlah Liabilitas terhadap Jumlah Aset 75,91 70,68 82,40 Total Liabilities to Total Assets
Non-Performing Loans (NPL) – Gross 0,37 0,06 0,07 Non-Performing Loans (NPL) – Gross
Non-Performing Loans (NPL) – Neto 0,07 0,00 0,00 Non-Performing Loans (NPL) – Net
Loan to Deposit Ratio (LDR) 60,67 62,30 56,35 Loan to Deposit Ratio (LDR)
Kewajiban Penyediaan Modal Minimum
36,86 40,08 35,57 Capital Adequacy Ratio (CAR)
(KPMM)
Posisi Devisa Neto (PDN) secara
0,23 0,26 0,33 Overall Net Open Position (NOP)
Keseluruhan
Rupiah Primary Current
Giro Utama Rupiah – Rata-Rata 9,99 12,58 16,02
Account – Average
Aspek Keberlanjutan Ekonomi
Economic Sustainability Aspect
Satuan
Uraian 2025 2024 2023 Description
Unit
jutaan Rupiah
Dana Pihak Ketiga 18.254.018 12.572.261 12.518.423 Third Party Funds
millions of Rupiah
jutaan Rupiah
Penyaluran Kredit 11.035.791 7.794.763 7.022.083 Loans
millions of Rupiah
Produk Ramah Lingkungan / Eco Friendly Products
Loans Provided to
Kredit kepada Sektor Hijau
jutaan Rupiah Green Sector or
atau Kriteria Kegiatan Usaha 303 408 450
millions of Rupiah Environmentally Sound
Berwawasan Lingkungan
Business Activity Criteria
Pelibatan Pihak Lokal / Local Party Engagement
100% karyawan Bank adalah karyawan lokal.
Orang
Tenaga Kerja Lokal* All Bank Capital employees Local Employees*
People
are local staff.
* Karyawan memiliki KTP sesuai wilayah operasional. / Employees have IDs matching their operational area.
2025 Annual Report | PT Bank Capital Indonesia Tbk 21
Page 24
Ikhtisar Keberlanjutan Sosial [POJK B.3]
Social Sustainability Highlights
Satuan
Uraian 2025 2024 2023 Description
Unit
Kegiatan Literasi dan Inklusi Financial Literacy and
Program 4 4 2
Keuangan Inclusion Activity
Total Karyawan / Total Employees
Orang
Pria 323 298 281 Male
People
Orang
Wanita 504 481 476 Female
People
Ikhtisar Keberlanjutan Lingkungan Hidup [POJK B.2]
Environmental Sustainability Highlights
Satuan
Uraian 2025 2024 2023 Description
Unit
Penggunaan Energi
MWh 2.224 2.098 2.797 Electricity Utilization
Listrik
Penggunaan Energi dari Energy Use from
gigajoule 815,70 6.468,62 6.733,98
Bahan Bakar Minyak Fuel Oil
Penggunaan Air m3 7.872 5.262 5.287 Water Use
Emisi yang Dihasilkan TonCO2eq 931.431,04 1.100.760,17 N/A Emission Generated
Upaya Mengurangi Limbah Pelestarian Keanekaragaman Hayati
Waste Reduction Efforts Biodiversity Preservation
Bank Capital mengelola limbah dengan prinsip reduce, reuse, dan Bank Capital memastikan operasional tidak berdampak pada
recycle melalui kerja sama dengan pengelola gedung. Sebagian besar ekosistem dilindungi, serta mendukung keberlanjutan melalui
limbah berupa kertas dan tidak menghasilkan limbah bahan berbahaya penataan area kerja hijau dan program penghijauan di sekitar wilayah
dan beracun. Seluruh limbah tahun 2025 telah dikelola sesuai ketentuan operasional.
lingkungan sehingga tidak menimbulkan dampak negatif.
Bank Capital manages waste in accordance with the principles Bank Capital ensures that its operations do not affect protected
of reduce, reuse, and recycle through cooperation with building ecosystems and supports sustainability through the arrangement
management. The majority of waste consists of paper and does not of green work areas and greening programs around its operational
include hazardous and toxic materials. All waste generated in 2025 locations.
was managed in compliance with environmental regulations and did
not result in any adverse impacts.
Komitmen dalam Transisi Energi Bersih
Commitment to the Clean Energy Transition
Bank Capital menunjukkan komitmen transisi energi bersih melalui pembelian Renewable Energy Certificate sebesar 2.098 MWh pada
tahun 2025, mendukung pemanfaatan energi terbarukan dan penguatan agenda keuangan berkelanjutan.
Bank Capital is showing its commitment toward clean energy transition through the purchase of 2,098 MWh Renewable Energy Certificate
in 2025, supporting the use of renewable energy and strengthen the sustainable finance agenda.
22 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 25
Kilas Kinerja
Performance at a Glance
Ikhtisar Saham
Shares Highlights
Rp
Jumlah Saham
Volume
Harga Harga Harga Beredar Kapitalisasi Pasar
Perdagangan
Periode Saham Saham Saham (Lembar Saham) Market
(Lembar Saham)
Period Tertinggi Terendah Penutupan Total Outstanding Capitalization
Trading Volume
Highest Lowest Closing Shares (Rp)
(Shares)
Shares Shares Shares (Shares)
Price Price Price
2025
Triwulan I
132 129 131 135.153.600 19.953.024.885 2.613.846.259.935
1st Quarter
Triwulan II
132 127 130 112.061.500 19.953.024.885 2.593.893.235.050
2nd Quarter
Triwulan III
174 128 152 205.456.200 19.953.024.885 3.032.859.782.520
3rd Quarter
Triwulan IV
252 137 234 1.004.704.100 19.953.024.885 4.669.007.823.090
4th Quarter
2024
Triwulan I
139 85 130 959.202.500 19.953.024.885 2.593.893.235.050
1st Quarter
Triwulan II
135 122 130 1.335.609.064 19.953.024.885 2.593.893.235.050
2nd Quarter
Triwulan III
135 122 130 657.257.500 19.953.024.885 2.593.893.235.050
3rd Quarter
Triwulan IV
141 122 130 895.742.610 19.953.024.885 2.593.893.235.050
4th Quarter
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Transaction Volume (Shares) Closing Price (Rp)
350.000.000 300
300.000.000
250
250.000.000
200
200.000.000
150
150.000.000
100
100.000.000
50
50.000.000
0 0
Januari
January
Febuari
February
Maret
March
April
April
Mei
May
Juni
June
Juli
July
Agustus
August
September
September
Oktober
October
November
November
Desember
December
Januari
January
Febuari
February
Maret
March
April
April
Mei
May
Juni
June
Juli
July
Agustus
August
September
September
Oktober
October
November
November
Desember
December
2024 2025
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Shares) Closing Price (Rp)
2025 Annual Report | PT Bank Capital Indonesia Tbk 23
Page 26
Aksi Korporasi
Corporate Action
Pada tahun 2025, Bank melakukan pemecahan saham, In 2025, the Bank carried out share splits, share
penggabungan saham, dividen saham, saham bonus, consolidations, stock dividends, bonus shares, changes
perubahan nilai nominal saham, penerbitan efek konversi, in the nominal value of shares, the issuance of convertible
serta penambahan dan pengurangan modal. securities, as well as increases and decreases in capital.
Aktivitas Perdagangan Saham
Stock Trading Activity
Pada tahun 2025, Bank tidak mengalami penghentian In 2025, the Bank did not experience any temporary
sementara perdagangan saham dan penghapusan suspension of share trading or delisting of its shares on
pencatatan saham di Bursa Efek Indonesia. the Indonesia Stock Exchange.
Peristiwa Penting
Significant Events
30 Januari / January 2025 11 Februari / February 2025
Acara Tahun Baru Imlek 2025 di Kantor Pusat Bank Capital, Meraih penghargaan dari Indonesia Top Digital Public Relation
Jakarta Selatan. Award 2025 atas prestasi dalam membangun Digital Public
2025 Chinese New Year Celebration at Bank Capital Head Relation dari Infobrand.
Office, South Jakarta. Received an award from the Indonesia Top Digital Public
Relation Award 2025 for achievements in building Digital Public
Relations from Infobrand.
24 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 27
Kilas Kinerja
Performance at a Glance
21 Maret / March 2025 20 April / April 2025
Acara Buka Puasa Bersama Bank Capital dengan tema “Bersinar HUT Bank Capital ke-36 dengan mengangkat tema “The
dalam Kemenangan Bersama” di Gedung Bank Capital, Jakarta Journey to The Big Dreams”.
Selatan. Bank Capital 36th Anniversary and Halal Bihalal, with the theme
Breaking Fasting with Bank Capital, with the theme ”Shining in “The Journey to the Big Dreams”.
Shared Victory”, at Bank Capital Building, South Jakarta
29 April / April 2025 30 April / April 2025
Acara HUT Bank Capital Indonesia ke-36 dan Halal Bihalal, Resmi menggunakan energi bersih melalui pembelian
dengan tema “The Journey to the Big Dreams”. Renewable Energy Certificate di PT Indonesia Commodity and
Bank Capital 36th Anniversary and Halal Bihalal, with the theme Derivatives Exchange.
“The Journey to the Big Dreams”. Officially use clean energy through the purchase of Renewable
Energy Certificate from PT Indonesia Commodity and
Derivatives Exchange.
2025 Annual Report | PT Bank Capital Indonesia Tbk 25
Page 28
21 Mei / May 2025 26 Mei / May 2025
Bank Capital mengadakan kegiatan Literasi Keuangan kepada Bank Capital mengadakan kegiatan Inklusi Keuangan kepada
murid sekolah Leaders School, Jl. Komp Taman Surya 2 Nomor masyarakat umum, yaitu karyawan PT Vetira Pribadi Kreasi,
7-9 Blok B1 RT 001/015, Pegadungan, Kalideres, Jakarta Barat, di Jl. Srengseng, Jakarta Barat dengan memperkenalkan
untuk memperkenalkan produk/layanan perbankan di era digital produk/layanan perbankan yang bertujuan menumbuhkan
ini. minat masyarakat untuk menabung serta kemudahan dan
Bank Capital organized a financial activity for students of keamanan menggunakan layanan perbankan di era digital ini.
Leaders School, at Jl. Komp Taman Surya 2 Number 7–9 Bank Capital organized a financial inclusion activity for public,
Blok B1 RT 001/015, Pegadungan, Kalideres, West Jakarta, namely employees of PT Vetira Pribadi Kreasi, at Jl. Srengseng,
aimed to introduce banking products and services in the digital West Jakarta, by introducing banking products/services to
era. foster public interest in savings, as well as highlighting the
convenience and security of using banking services in this
digital era.
27 Mei / May 2025 18 Juni / June 2025
Meraih kembali penghargaan Top Bank 2025, kategori Kelompok Menyelenggarakan RUPS Tahunan dan Luar Biasa secara
Bank Berdasarkan Modal Inti 2, dalam ajang 6th Indonesia Top hybrid, melalui e-RUPS dan tatap muka di Hotel Artotel Suites
Bank Awards 2025 yang diselenggarakan oleh The Iconomics. Mangkuluhur, Emerald Room, Lantai 3, Jl. Jend. Gatot Subroto
Received again the Top Bank 2025 award, Core Capital–Based Kav. II Nomor 3, Jakarta Selatan.
Bank Group 2 category, at the 6th Indonesia Top Bank Awards Held its Annual and Extraordinary GMS in a hybrid format,
2025 organized by The Iconomics. via e-GMS and face-to-face meeting at Hotel Artotel Suites
Mangkuluhur, Emerald Room, 3rd Floor, Jl. Jend. Gatot Subroto
Kav. II Number 3, South Jakarta.
26 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 29
Kilas Kinerja
Performance at a Glance
19 Juni / June 2025 19 Juni / June 2025
Bank Capital dan PT Bank Pembangunan Daerah Kalimantan Bank Capital menjalin kerja sama kredit pensiun dengan
Selatan bersinergi menjalin kerja sama kredit pensiun dan PT Bank KB Bukopin Tbk.
tresuri. Bank Capital collaborating with PT Bank KB Bukopin Tbk. in
Bank Capital and PT Bank Pembangunan Daerah Kalimantan pension loans.
Selatan are collaborating in pension loans and treasury services.
25 Juni / June 2025 9 Juli / July 2025
Meraih kembali penghargaan Indonesia Best Bank Awards Meraih penghargaan sebagai Pioneers of The Indonesia
2025 for Clean Energy Adoption, Financial Growth and Renewable Energy Certificate Market dari PT Indonesia
Public Communication Excellence, kategori Kelompok Bank Commodity and Derivatives Exchange dan PT Indonesia
berdasarkan Modal Inti 2, yang diselenggarakan oleh Warta Clearing House.
Ekonomi, bertempat di Hotel Sultan, Jakarta Pusat. Received an award as Pioneers of the Indonesia Renewable
Received again the Indonesia Best Bank Awards 2025 for Clean Energy Certificate Market from PT Indonesia Commodity and
Energy Adoption, Financial Growth, and Public Communication Derivatives Exchange and PT Indonesia Clearing House.
Excellence, Core Capital–based Bank Group 2 category,
organized by Warta Ekonomi, held at Hotel Sultan, Central
Jakarta.
2025 Annual Report | PT Bank Capital Indonesia Tbk 27
Page 30
28 Juli / July 2025 7 Agustus / August 2025 Membuka kantor cabang di Palembang yang beralamat Membuka kantor cabang di Makassar yang beralamat di di Sudirman City Center Lt. 1 FF01-FF02, Jl. Jend. Sudirman Gedung Baruga Telkomsel Lt. Dasar, Jl. A.P. Pettarani Nomor 3, Nomor 57, Palembang 30125. Makassar 90221. Opened a branch office in Palembang located at Sudirman Opened a branch office in Makassar located at Baruga City Center, Lt. 1 FF01–FF02, Jl. Jend. Sudirman Number 57, Telkomsel Building, Ground Floor, Jl. A.P. Pettarani Number 3, Palembang 30125. Makassar 90221. 23 Agustus / August 2025 4 September / September 2025 Kegiatan Corporate Social Responsibility (CSR) - Semarak Bank Capital mengadakan kegiatan rutin CSR Donor Darah HUT Republik Indonesia Bersama Sahabat Anak Rusun Cakung bersama Palang Merah Indonesia (PMI) yang diadakan di Ruang Barat (Bank Capital bekerja sama dengan Sahabat Anak). Borobudur, Menara BPJamsostek, Jakarta Selatan. Corporate Social Responsibility (CSR) activity - Indonesia’s Bank Capital held routine CSR Blood Donation event with Independence Day Celebration with Sahabat Anak Rusun the Indonesian Red Cross (PMI) at Borobudur Room, Cakung Barat (Bank Capital collaborated with Sahabat Anak). BPJamsostek Tower, South Jakarta. 28 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 31
Kilas Kinerja
Performance at a Glance
9 Oktober / October 2025 28 Oktober / October 2025
Meraih penghargaan Indonesia Best Financial Awards 2025 Bank Capital mengadakan kegiatan Inklusi Keuangan kepada
kategori Best Brand Image – Kelompok Bank berdasarkan masyarakat umum, yaitu pensiunan pengusaha, berlokasi
Modal Inti 2 dari The Iconomics. di Restoran Lagunan, Jakarta Pusat, dengan memperkenalkan
Received the Indonesia Best Financial Awards 2025 in the Best produk/layanan perbankan yang bertujuan menumbuhkan
Brand Image category – Core Capital–based Bank Group 2 minat masyarakat untuk menabung serta kemudahan dan
from The Iconomics. keamanan menggunakan layanan perbankan di era digital ini.
Bank Capital organized a financial inclusion activity for public,
namely retired entrepreneurs, held at Laguna Restaurant,
Central Jakarta, by introducing banking products/services
aimed to foster the public interest to savings, as well as the
convenience and security of using banking services in this
digital era.
31 Oktober / October 2025 5 Desember / December 2025
Bank Capital mengadakan kegiatan Literasi Keuangan kepada Kegiatan CSR berkolaborasi dengan PT Taspen dalam
murid Sekolah Bunda Mulia, Jl. A.M Sangaji Nomor 20, Jakarta memberikan donasi korban bencana di Sumatra.
Pusat, untuk menanamkan minat menabung sejak dini. CSR Event collaborated with PT Taspen in providing donation
Bank Capital organized a financial literacy activity for students for disaster victims in Sumatra.
of Bunda Mulia School, at Jl. A.M. Sangaji Number 20, Central
Jakarta, to foster a savings interest from early age.
2025 Annual Report | PT Bank Capital Indonesia Tbk 29
Page 32
8 Desember / December 2025 12 Desember / December 2025 Mendapatkan Piagam Penghargaan Infobank 200 The Next Acara Natal 2025 dengan tema “Hidup Berdampak untuk Future Leaders, yang diberikan kepada Direktur Digital & Kemuliaan Allah” di Gedung Bank Capital, Jakarta Selatan. Consumer Banking – Ibu Febriyanti Ika Sari, dari Infobank. 2025 Christmas Celebration with the theme ”Impactful Life for Received Infobank 200 The Next Future Leaders Award, the Glory of God” at Bank Capital Building, South Jakarta. presented to the Digital & Consumer Banking Director – Mrs. Febriyanti Ika Sari, from Infobank. 12 Desember / December 2025 Menandatangani perjanjian kerja sama strategis dengan PT Bank Sahabat Sampoerna dalam penyediaan produk kredit multiguna bagi pensiunan. Signed a strategic cooperation agreement with PT Bank Sahabat Sampoerna for the provision of multipurpose credit products for retirees. 30 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 33
Kilas Kinerja
Performance at a Glance
19 Desember / December 2025 22 Desember / December 2025
• Mendapatkan Piagam Penghargaan Indonesia Digital Mengembangkan bisnis pembiayaan ritel yang berkelanjutan
Innovation and Achievement of The Year 2025 sebagai melalui penandatanganan perjanjian kerja sama strategis
salah satu The Best CEO for Corporate 2025, yang diberikan dengan PT Bank Digital BCA. Kerja sama ini difokuskan pada
kepada Direktur Utama – Bapak Kurniawan Halim, dari pengembangan dan penyaluran kredit bagi segmen pensiunan.
Business Asia Indonesia. Developed a sustainable retail financing business through
• Mendapatkan Piagam Penghargaan Indonesia Digital the signing of a strategic cooperation agreement with PT Bank
Innovation and Achievement of The Year 2025 sebagai Digital BCA. Focused on the development and distribution of
salah satu The Best Leadership for Corporate 2025, yang credit for the retiree segment.
diberikan kepada Direktur Digital & Consumer Banking –
Ibu Febriyanti Ika Sari, dari Business Asia Indonesia.
• Mendapatkan Piagam Penghargaan Indonesia Digital
Innovation and Achievement of The Year 2025 sebagai salah
satu The Best Digital Transformation Organization 2025,
dari Business Asia Indonesia.
• Mendapatkan Piagam Penghargaan Indonesia Digital
Innovation and Achievement of The Year 2025 sebagai salah
satu The Best Digital Partnership 2025, dari Business Asia
Indonesia.
• Received the Indonesia Digital Innovation and Achievement
of The Year 2025 award as one of The Best CEO for Corporate
2025, presented to the President Director - Mr. Kurniawan
Halim, from Business Asia Indonesia.
• Received the Indonesia Digital Innovation and Achievement of
The Year 2025 award as one of The Best Leadership for Corporate
2025, presented to the Digital & Consumer Banking Director,
Ms. Febriyanti Ika Sari, from Business Asia Indonesia.
• Received the Indonesia Digital Innovation and Achievement
of The Year 2025 award as one of The Best Digital
Transformation Organization 2025, from Business Asia
Indonesia
• Received the Indonesia Digital Innovation and Achievement
of The Year 2025 award as one of The Best Digital Partnership
2025, from Business Asia Indonesia.
2025 Annual Report | PT Bank Capital Indonesia Tbk 31
Page 34
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan / Awards
Indonesia Top Digital Public Relation Award 2025
Kategori / Category : Digital Public Relation
Penyelenggara / Organizer : Infobrand
Tanggal / Date : 11 Februari 2025 / 11 February 2025
6th Indonesia Top Bank Awards 2025
Kategori / Category : Kelompok Bank berdasarkan Modal Inti 2 /
Core Capital–based Bank Group 2
Penyelenggara / Organizer : The Iconomics
Tanggal / Date : 27 Mei 2025 / 23 May 2025
Indonesia Best Bank Awards 2025 for Clean Energy Adoption, Financial
Growth and Public Communication Excellence
Kategori / Category : Kelompok Bank berdasarkan Modal Inti 2 /
Core Capital–based Bank Group 2
Penyelenggara / Organizer : Warta Ekonomi
Tanggal / Date : 25 Juni 2025 / 25 June 2025
Pioneers of The Indonesia Renewable Energy Certificate Market
Kategori / Category :-
Penyelenggara / Organizer : PT Indonesia Commodity and Derivatives Exchange
dan PT Indonesia Clearing House / PT Indonesia
Commodity and Derivatives Exchange and
PT Indonesia Clearing House
Tanggal / Date : 9 Juli 2025 / 9 July 2025
32 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 35
Kilas Kinerja
Performance at a Glance
Indonesia Best Financial Awards 2025
Kategori / Category : Best Brand Image – Kelompok Bank berdasarkan
Modal Inti 2 / Best Brand Image – Core Capital–based
Bank Group 2
Penyelenggara / Organizer : The Iconomics
Tanggal / Date : 9 Oktober 2025 / 9 October 2025
Infobank 200 the Next Future Leaders
Kategori / Category : Top 100 CEO and the Future Leaders Forum 2025
(Ibu Febriyanti Ika Sari sebagai Direktur Digital &
Consumer Banking) / Top 100 CEO and the Future
Leaders Forum 2025
(Mrs. Febriyanti Ika Sari as the Digital & Consumer
Banking Director)
Penyelenggara / Organizer : Infobanks
Tanggal / Date : 8 Desember 2025 / 8 December 2025
Indonesia Digital Innovation and Achievement Awards 2025
Kategori / Category : The Best CEO for Corporate 2025
(Bapak Kurniawan Halim sebagai Direktur Utama) /
The Best CEO for Corporate 2025
(Mr. Kurniawan Halim as the President Director)
Penyelenggara / Organizer : Business Asia Indonesia
Tanggal / Date : 19 Desember 2025 / 19 December 2025
Indonesia Digital Innovation and Achievement Awards 2025
Kategori / Category : The Best Leadership for Corporate 2025
(Ibu Febriyanti Ika Sari sebagai Direktur Digital
& Consumer Banking) / The Best Leadership for
Corporate 2025
(Mrs. Febriyanti Ika Sari as the Digital & Consumer
Banking Director)
Penyelenggara / Organizer : Business Asia Indonesia
Tanggal / Date : 19 Desember 2025 / 19 December 2025
2025 Annual Report | PT Bank Capital Indonesia Tbk 33
Page 36
Indonesia Digital Innovation and Achievement Awards 2025
Kategori / Category : The Best Digital Partnership 2025
Penyelenggara / Organizer : Business Asia Indonesia
Tanggal / Date : 19 Desember 2025 / 19 December 2025
Indonesia Digital Innovation and Achievement Awards 2025
Kategori / Category : The Best Digital Transformation Organization 2025
Penyelenggara / Organizer : Business Asia Indonesia
Tanggal / Date : 19 Desember 2025 / 19 December 2025
Sertifikasi / Certifications
Sertifikasi ISO/IEC 27001:2022 Sistem Manajemen Keamanan Informasi
ISO/IEC 27001:2022 Information Security Management System Certification
Penyelenggara / Organizer : PT TSI Sertifikasi Internasional
Masa Berlaku / Validity Period : 11 Juni 2026 / 11 June 2026
ZEPPY
CERTIFICATE CERTIFICADO ZERTIFIKAT
Sertifikasi ISO 9001:2015 Sistem Manajemen Mutu
PT BANK CAPITAL INDONESIA TBK
MENARA UTARA GEDUNG BPJAMSOSTEK LANTAI 1 DAN 6,
JALAN JENDERAL GATOT SUBROTO NOMOR 38,
JAKARTA SELATAN, KODE POS 12710
ISO 9001:2015 Quality Management Certification
has been assessed and Certified by Zeppy Certification
as meeting the requirements of:
ISO 9001:2015
Quality Management System
For the following scope of activities:
BANKING SERVICES
Date of Initial Registration: 10 October 2025
Date of this Certificate: 10 October 2025
Certificate Expiry: 09 October 2028
(subject to the company maintaining its system to the
1st Surveillance Due: 09 October 2026
2nd Surveillance Due: 9 October 2027
Issue & Revision No: 00
Penyelenggara / Organizer : Zeppy Certification Limited
required standard)
Masa Berlaku / Validity Period : 9 Oktober 2028 / 9 October 2028
EA Code: 32
Certificate No:- 1010Q160125
Usha Goel
(Managing Director)
CL :42A CHURCHWAY, HADDENHAM, BUCKS, HP17 9HE UNITED KINGDOM
Email: info@zeppycert.com, Website: www.zeppycert.com
Validity of the certificate is subject to successful completion of surveillance audit on or before due date.
(In case surveillance audit is not allowed to be conducted, this certificate shall be suspended/withdrawal).
Head Office Zeppy Certification Pvt. Ltd. : Plot No-26B, Uttam Nagar, New Delhi -110059.
*This Certificate of Registration remain the Property of Zeppy Certification and shall be returned immediately upon request.
ZEPPY
CERTIFICATE CERTIFICADO ZERTIFIKAT
Sertifkasi ISO 37001:2016 Sistem Manajemen Anti-Penyuapan
PT BANK CAPITAL INDONESIA TBK
MENARA UTARA GEDUNG BPJAMSOSTEK LANTAI 1 DAN 6,
JALAN JENDERAL GATOT SUBROTO NOMOR 38,
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34 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Kilas Kinerja
Performance at a Glance
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Laporan Dewan Komisaris Report of the Board of Commissioners Danny Nugroho Komisaris Utama President Commissioner 38 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Management Reports
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Honorable Shareholders and Stakeholders,
Kompleksitas risiko global dan dinamika domestik The complexity of global risks and domestic
menempatkan industri perbankan pada fase yang dynamics places the banking industry in a phase
menuntut ketahanan serta ketepatan arah kebijakan. that demands resilience and precision in policy
Dalam situasi tersebut, Bank Capital mampu direction. In such circumstances, Bank Capital has
menjaga kesinambungan pengelolaan usaha melalui been able to maintain the continuity of business
langkah yang terukur dan selaras dengan prinsip management through measured actions aligned with
kehati-hatian. Fokus pada penguatan fundamental, prudential principles. The focus on strengthening
kualitas aset, serta disiplin dalam pengelolaan risiko fundamentals, asset quality, as well as discipline in
menjadi perhatian utama dalam pelaksanaan fungsi risk management has become a primary concern
pengawasan, sehingga kinerja yang dicapai tidak in the implementation of the supervisory function,
hanya mencerminkan pertumbuhan, tetapi juga so that the performance achieved reflects not only
ketahanan jangka panjang. growth, but also long-term resilience.
Berlandaskan hal tersebut, Laporan Dewan Komisaris Based on the above, this Board of Commissioners
ini disusun untuk memberikan gambaran atas Report is prepared to provide an overview of
pelaksanaan fungsi pengawasan sepanjang tahun the implementation of the supervisory function
buku 2025, termasuk penilaian terhadap kebijakan throughout the Fiscal Year 2025, including
strategis, kinerja Direksi, serta efektivitas penerapan an assessment of strategic policies, the performance
tata kelola yang dijalankan Perseroan. Melalui laporan of the Board of Directors, and the effectiveness of
ini, Dewan Komisaris juga menyampaikan pandangan the implementation of corporate governance carried
atas berbagai perkembangan yang memengaruhi out by the Company. Through this report, the Board
kinerja Bank serta arah pengelolaan yang ditempuh of Commissioners also conveys its views on various
Direksi dalam menjaga keberlanjutan usaha. developments affecting the Bank’s performance
as well as the management direction undertaken
by the Board of Directors in maintaining business
sustainability.
Pengawasan dalam Perumusan dan Supervision in the Formulation and
Implementasi Strategi Implementation of Strategy
Dewan Komisaris melaksanakan fungsi pengawasan The Board of Commissioners carries out the
atas perumusan strategi Bank Capital dengan supervisory function over the formulation of Bank
memastikan bahwa arah kebijakan yang ditetapkan Capital’s strategy by ensuring that the policy
Direksi selaras dengan tujuan jangka panjang direction determined by the Board of Directors is
serta mempertimbangkan dinamika eksternal dan aligned with long-term objectives and takes into
kapasitas internal Bank. Penelaahan dilakukan account external dynamics and the Bank’s internal
terhadap rencana bisnis, kebijakan strategis, serta capacity. The review is conducted on business plans,
asumsi yang mendasarinya, dengan menekankan strategic policies, and the underlying assumptions,
keseimbangan antara pertumbuhan usaha dan with an emphasis on balancing business growth
prinsip kehati-hatian. Melalui proses tersebut, and prudential principles. Through this process,
Dewan Komisaris memberikan pandangan dan the Board of Commissioners provides constructive
rekomendasi yang konstruktif agar strategi views and recommendations so that the strategies
2025 Annual Report | PT Bank Capital Indonesia Tbk 39
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yang dirumuskan sesuai dengan profil risiko Bank, formulated are in accordance with the Bank’s risk
kecukupan permodalan, serta kebutuhan untuk menjaga profile, capital adequacy, as well as the need to maintain
kesinambungan kinerja. the continuity of performance.
Pada tahap implementasi, pengawasan difokuskan At the implementation stage, supervision is focused
pada efektivitas pelaksanaan strategi melalui evaluasi on the effectiveness of strategy execution through
berkala atas kinerja dan pembahasan laporan dalam periodic evaluation of performance and discussion
forum koordinasi bersama Direksi dan komite terkait. of reports in coordination forums with the Board of
Proses ini memungkinkan identifikasi potensi deviasi Directors and related committees. This process enables
keuangan secara lebih dini sekaligus memastikan earlier identification of potential financial deviations
langkah korektif dapat dilakukan secara tepat. Selain itu, while ensuring that corrective actions can be taken
perhatian juga diberikan pada konsistensi penerapan appropriately. In addition, attention is also given to
tata kelola dan manajemen risiko dalam setiap inisiatif the consistency of the implementation of corporate
strategis, sehingga pelaksanaan strategi tetap berada governance and risk management in each strategic
dalam koridor yang prudent dan terukur. initiative, so that the execution of the strategy remains
within prudent and measurable parameters.
Penilaian terhadap Kinerja Direksi Assessment of the Performance of the
Board of Directors
Dewan Komisaris menilai bahwa Direksi Bank Capital The Board of Commissioners assesses that the Board of
telah menunjukkan kapasitas pengelolaan yang Directors of Bank Capital has demonstrated adequate
memadai dalam merespons dinamika eksternal yang management capacity in responding to challenging
menantang sepanjang tahun 2025. Tekanan yang berasal external dynamics throughout 2025. Pressures arising
dari ketidakpastian global, volatilitas pasar keuangan, from global uncertainty, financial market volatility,
serta perubahan arah kebijakan moneter internasional as well as shifts in international monetary policy direction
telah direspons melalui langkah-langkah yang terukur, have been addressed through measured actions,
khususnya dalam menjaga keseimbangan antara particularly in maintaining a balance between business
ekspansi usaha dan pengendalian risiko. Dalam expansion and risk control. In the view of the Board of
pandangan Dewan Komisaris, pendekatan yang ditempuh Commissioners, the approach taken by the Board of
Direksi dalam menghadapi persaingan likuiditas, Directors in addressing liquidity competition, cost of
tekanan biaya dana, serta potensi peningkatan risiko funds pressure, as well as the potential increase in credit
kredit mencerminkan kehati-hatian yang tetap terjaga, risk reflects prudence that remains well maintained,
sekaligus menunjukkan upaya untuk mempertahankan while also demonstrating efforts to sustain asset quality
kualitas aset dan stabilitas kinerja secara berkelanjutan. and performance stability on an ongoing basis.
Penilaian Dewan Komisaris juga mencakup aspek The assessment of the Board of Commissioners
perumusan dan implementasi strategi yang dinilai telah also covers the aspects of strategy formulation and
berjalan selaras dengan arah pengembangan usaha. implementation, which are considered to have been
Inisiatif strategis yang difokuskan pada modernisasi aligned with the direction of business development.
layanan, penguatan struktur pendanaan, serta Strategic initiatives focused on service modernization,
pengembangan kerja sama melalui skema Global Master strengthening of the funding structure, as well as
Repurchase Agreement (GMRA) dipandang mampu the development of cooperation through the Global
meningkatkan fleksibilitas likuiditas dan memperluas Master Repurchase Agreement (GMRA) scheme are
akses terhadap instrumen pasar keuangan. Selain itu, viewed as being able to enhance liquidity flexibility
pengembangan layanan berbasis digital, termasuk and expand access to financial market instruments.
melalui Capital Flex dan New Capital Business Net, In addition, the development of digital-based services,
mencerminkan respons yang adaptif terhadap perubahan including through Capital Flex and New Capital
perilaku nasabah dan percepatan transformasi industri, Business Net, reflects an adaptive response to changes
sekaligus mendukung integrasi prinsip keberlanjutan in customer behavior and the acceleration of industry
dalam kegiatan usaha. transformation, while also supporting the integration of
sustainability principles in business activities.
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Dari sisi kinerja, Dewan Komisaris memandang bahwa From a performance perspective, the Board of
Direksi berhasil membukukan pertumbuhan yang solid Commissioners views that the Board of Directors has
pada sejumlah indikator utama. Penyaluran kredit yang successfully recorded solid growth in a number of
meningkat signifikan sebesar 41,58% menjadi Rp11,04 key indicators. Credit disbursement, which increased
triliun mencerminkan efektivitas fungsi intermediasi. significantly by 41.58% to Rp11.04 trillion, reflects
Sejalan dengan itu, pendapatan bunga tercatat sebesar the effectiveness of the intermediation function.
Rp1,49 triliun atau tumbuh 52,21% dibandingkan tahun In line with this, interest income was recorded at Rp1.49
sebelumnya, yang turut mendorong peningkatan trillion or grew by 52.21% compared to the previous
laba bersih sebesar 15,18% menjadi Rp125,99 miliar. year, which also contributed to an increase in net profit
Meskipun penghimpunan Dana Pihak Ketiga (DPK) belum by 15.18% to Rp125.99 billion. Although the collection
sepenuhnya mencapai target, pertumbuhan yang tetap of Third Party Funds (DPK) has not fully reached
kuat menunjukkan daya tahan Bank di tengah kompetisi the target, the continued strong growth demonstrates
likuiditas yang ketat. Dengan mempertimbangkan the Bank’s resilience amid tight liquidity competition.
berbagai capaian tersebut, Dewan Komisaris Taking into account these achievements, the Board
memandang bahwa kinerja Direksi telah menunjukkan of Commissioners views that the performance of
arah yang konstruktif dan tetap terjaga, meskipun masih the Board of Directors has shown a constructive and
diperlukan penguatan pada aspek optimalisasi struktur well-maintained direction, although further
pendanaan agar kualitas pertumbuhan ke depan dapat strengthening is still required in the aspect of optimizing
lebih seimbang dan berkelanjutan. the funding structure so that the quality of future
growth can be more balanced and sustainable.
Pandangan atas Prospek Usaha Bank yang View on the Bank’s Business Prospects as
Disusun oleh Direksi Prepared by the Board of Directors
Prospek usaha tahun 2026 sebagaimana disusun oleh The business prospects for 2026 as prepared by
Direksi mencerminkan pemahaman yang komprehensif the Board of Directors reflect a comprehensive
terhadap dinamika eksternal yang berpotensi understanding of external dynamics that may affect
memengaruhi kinerja Bank Capital. Lingkungan global the performance of Bank Capital. The global environment,
yang diproyeksikan masih dibayangi ketidakpastian, which is projected to remain overshadowed by
tekanan inflasi, serta volatilitas pasar keuangan dinilai uncertainty, inflationary pressures, and financial market
sebagai faktor yang perlu diantisipasi secara cermat, volatility, is considered a factor that needs to be carefully
khususnya dalam menjaga stabilitas likuiditas dan kualitas anticipated, particularly in maintaining liquidity stability
aset. Dalam hal ini, arah strategi yang menekankan and asset quality. In this regard, the strategic direction
keseimbangan antara ekspansi usaha dan pengelolaan emphasizing a balance between business expansion
risiko dipandang telah selaras dengan kebutuhan untuk and risk management is viewed as being aligned with
menjaga ketahanan Bank di tengah kondisi yang belum the need to maintain the Bank’s resilience amid
sepenuhnya kondusif. conditions that are not yet fully conducive.
Di sisi domestik, proyeksi pertumbuhan ekonomi yang On the domestic side, the projected economic
tetap berada pada kisaran positif memberikan landasan growth that remains within a positive range provides
yang cukup bagi perbankan untuk mempertahankan a sufficient foundation for the banking sector to maintain
momentum intermediasi. Proyeksi pertumbuhan intermediation momentum. The projected credit
kredit pada kisaran 8%-12% dinilai realistis, dengan growth in the range of 8%–12% is considered realistic,
tetap mempertimbangkan kapasitas pembiayaan dan while still taking into account financing capacity and
kualitas permintaan yang berkembang. Penekanan pada the evolving quality of demand. The emphasis on
optimalisasi likuiditas, penguatan struktur pendanaan, liquidity optimization, strengthening of the funding
serta pengelolaan risiko kredit menunjukkan bahwa structure, as well as credit risk management indicates
strategi yang dirumuskan telah mengakomodasi potensi that the strategies formulated have accommodated
peluang tanpa mengabaikan aspek kehati-hatian. potential opportunities without neglecting prudential
Hal ini menjadi penting dalam memastikan pertumbuhan aspects. This is important in ensuring growth that is not
yang tidak hanya tinggi, tetapi juga berkualitas dan only high, but also of quality and sustainable.
berkelanjutan.
2025 Annual Report | PT Bank Capital Indonesia Tbk 41
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Arah pengembangan yang menitikberatkan pada The development direction, which emphasizes digital
transformasi digital dan penguatan kapabilitas internal transformation and the strengthening of internal
juga dipandang relevan dengan perubahan lanskap capabilities, is also considered relevant to changes in
industri. Peningkatan layanan berbasis teknologi, the industry landscape. The enhancement of
penguatan budaya risiko, serta penyesuaian strategi technology-based services, strengthening of risk
Asset and Liability Management (ALM) mencerminkan culture, as well as adjustments to the Asset and Liability
kesiapan Bank dalam merespons perubahan preferensi Management (ALM) strategy reflect the Bank’s readiness
nasabah dan tekanan pasar. Selain itu, fokus pada to respond to changes in customer preferences and
pengembangan produk, peningkatan kualitas sumber market pressures. In addition, the focus on product
daya manusia, serta pengelolaan portofolio secara development, improvement in the quality of human
selektif menunjukkan adanya upaya untuk memperkuat resources, as well as selective portfolio management
fondasi operasional secara menyeluruh. Dengan indicates efforts to strengthen the operational
pendekatan tersebut, arah prospek usaha yang foundation comprehensively. With this approach, the
disusun Direksi dinilai relevan dan memiliki dasar yang business outlook direction prepared by the Board of
jelas dengan tetap memerlukan konsistensi dalam Directors is considered relevant and well-founded, while
implementasi agar mampu memberikan hasil yang still requiring consistency in implementation to deliver
optimal. optimal results.
Pandangan atas Penerapan Tata Kelola Bank View on the Implementation of Bank
Governance
Penerapan tata kelola perusahaan yang baik di Bank The implementation of good corporate governance at
Capital dinilai telah berjalan secara konsisten sebagai Bank Capital is considered to have been carried out
fondasi dalam menjaga integritas serta keberlanjutan consistently as a foundation in maintaining integrity
usaha. Integrasi prinsip-prinsip Good Corporate and business sustainability. The integration of Good
Governance (GCG) pun tercermin dalam proses Corporate Governance (GCG) principles is also
pengambilan keputusan maupun pelaksanaan kegiatan reflected in decision-making processes as well as the
operasional. Sepanjang tahun 2025, penguatan tata execution of operational activities. Throughout 2025,
kelola yang dilakukan Direksi dipandang berada dalam the strengthening of governance undertaken by the
arah yang tepat, khususnya melalui optimalisasi peran Board of Directors is viewed to be in the right direction,
organ perusahaan, peningkatan budaya sadar risiko di particularly through the optimization of the role of
seluruh lini organisasi, serta penguatan transparansi corporate organs, enhancement of risk awareness
dan integritas melalui sistem pengendalian internal dan culture across all organizational levels, as well as
kebijakan anti penyuapan. Pelaksanaan evaluasi kinerja strengthening transparency and integrity through
secara berkala melalui mekanisme self-assessment yang internal control systems and anti-bribery policies. The
objektif juga mencerminkan upaya berkelanjutan dalam implementation of periodic performance evaluations
menjaga efektivitas fungsi pengawasan dan pengelolaan through objective self-assessment mechanisms also
sesuai dengan standar yang berlaku. reflects continuous efforts to maintain the effectiveness
of supervisory and management functions in accordance
with prevailing standards.
Hasil penilaian penerapan GCG yang menempatkan The results of the GCG implementation assessment,
Bank pada peringkat 2 dengan kategori “Baik” menjadi which placed the Bank at rank 2 with the “Good” category,
indikator bahwa struktur, proses, dan hasil tata serve as an indicator that the governance structure,
kelola telah berjalan secara selaras. Capaian tersebut processes, and outcomes have been implemented
memberikan dasar yang kuat dalam mendukung kinerja in alignment. This achievement provides a strong
operasional, termasuk pertumbuhan kredit dan dana foundation in supporting operational performance,
pihak ketiga, penguatan permodalan, serta peningkatan including credit growth and third-party funds, capital
laba bersih di tengah dinamika ekonomi. Dalam strengthening, as well as an increase in net profit
pandangan Dewan Komisaris, kualitas tata kelola yang amid economic dynamics. In the view of the Board of
terjaga juga berkontribusi terhadap penguatan aspek Commissioners, the maintained quality of governance
keberlanjutan, baik melalui peningkatan transparansi, also contributes to strengthening sustainability aspects,
pengelolaan risiko yang lebih terukur, maupun integrasi both through increased transparency, more measured
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Management Reports
prinsip keberlanjutan dalam kegiatan usaha. Ke depan, risk management, and the integration of sustainability
konsistensi dalam penerapan serta penyempurnaan principles into business activities. Going forward,
tata kelola tetap diperlukan guna menjaga kepercayaan consistency in implementation as well as continuous
seluruh pemangku kepentingan. refinement of governance remain necessary to maintain
the confidence of all stakeholders.
Apresiasi Appreciation
Dewan Komisaris menilai bahwa kinerja yang dicapai The Board of Commissioners considers that the
sepanjang tahun 2025 merupakan hasil dari proses performance achieved throughout 2025 is the result
pengelolaan yang terjaga serta koordinasi yang of well-maintained management processes as well as
berjalan dengan baik antara Direksi dan seluruh jajaran effective coordination between the Board of Directors
organisasi. Apresiasi disampaikan kepada Direksi serta and all levels of the organization. Appreciation is
seluruh karyawan atas kontribusi yang konsisten dalam extended to the Board of Directors and all employees
mendukung pelaksanaan strategi. Penghargaan juga for their consistent contributions in supporting
diberikan kepada para Pemegang Saham, nasabah, dan the implementation of strategies. Appreciation is
seluruh pemangku kepentingan atas kepercayaan yang also extended to Shareholders, customers, and all
terus terpelihara. Dewan Komisaris memandang bahwa stakeholders for their continued trust. The Board
konsistensi dalam penerapan tata kelola, penguatan of Commissioners views that consistency in the
kualitas pertumbuhan, serta peningkatan ketahanan implementation of governance, strengthening the
terhadap berbagai risiko menjadi aspek penting yang quality of growth, as well as enhancing resilience to
perlu terus dijaga agar Bank dapat berkembang secara various risks are important aspects that must continue
sehat, prudent, dan terpercaya. to be maintained so that the Bank can grow in a sound,
prudent, and reliable manner.
Dengan fondasi yang semakin solid, Dewan Komisaris With an increasingly solid foundation, the Board of
meyakini bahwa Bank Capital memiliki kapasitas untuk Commissioners believes that Bank Capital has the
melanjutkan pertumbuhan yang sehat dan berkelanjutan capacity to continue healthy and sustainable growth
di tengah dinamika industri yang terus berkembang. amid continuously evolving industry dynamics.
Atas nama Dewan Komisaris
On behalf of the Board of Commissioners
PT BANK CAPITAL INDONESIA TBK,
Danny Nugroho
Komisaris Utama
President Commissioner
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44 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Management Reports
Peter Kurniawan Danny Nugroho Andrey Jayanto
Komisaris Independen Komisaris Utama Komisaris Independen
Independent Commissioner President Commissioner Independent Commissioner
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Laporan Direksi [POJK D.1] Report of the Board of Directors Kurniawan Halim Direktur Utama President Director 46 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Honorable Shareholders and Stakeholders,
Tahun 2025 menjadi periode yang penuh dinamika Fiscal Year 2025 was a period full of dynamics for
bagi Bank Capital, di mana ketidakpastian global, Bank Capital, where global uncertainty,
perubahan arah kebijakan moneter, serta percepatan shifts in monetary policy direction, as well as
transformasi digital membentuk lanskap industri the acceleration of digital transformation shaped
yang semakin kompetitif. Di tengah kondisi tersebut, an increasingly competitive industry landscape.
Bank tetap mampu menjaga arah pertumbuhan yang Amid these conditions, the Bank was still able to
terukur dengan berpegang pada prinsip kehati- maintain a measured growth trajectory by adhering
hatian dan penguatan fundamental usaha. Strategi to prudential principles and strengthening business
yang dijalankan difokuskan pada peningkatan fundamentals. The strategies implemented were
kualitas intermediasi, penguatan struktur pendanaan, focused on improving the quality of intermediation,
serta pengembangan layanan yang lebih responsif strengthening the funding structure, as well as
terhadap kebutuhan nasabah. Pendekatan ini tidak developing services that are more responsive to
hanya diarahkan untuk menjaga stabilitas kinerja customer needs. This approach is not only directed
jangka pendek, tetapi juga untuk memperkuat at maintaining short-term performance stability,
fondasi pertumbuhan dan kesiapan Bank dalam but also at strengthening the foundation for growth
merespons peluang serta tantangan yang terus and the Bank’s readiness to respond to continuously
berkembang. evolving opportunities and challenges.
Perkembangan Kondisi Ekonomi dan Development of Economic Conditions
Industri Perbankan and the Banking Industry
Lanskap ekonomi dunia tahun 2025 bergerak dalam The global economic landscape in 2025 moved
fase perlambatan yang terkendali, dipengaruhi within a phase of controlled slowdown, influenced
oleh eskalasi ketegangan geopolitik serta by the escalation of geopolitical tensions as well as
pergeseran kebijakan perdagangan antarnegara. shifts in trade policies among countries. Conflicts
Konflik di kawasan Eropa Timur dan Timur Tengah in the Eastern Europe and Middle East regions
memperdalam fragmentasi ekonomi, sementara deepened economic fragmentation, while
kecenderungan proteksionisme turut menekan the tendency toward protectionism also pressured
kelancaran arus perdagangan dan meningkatkan the smooth flow of trade and increased financial
volatilitas pasar keuangan. Dalam kondisi tersebut, market volatility. Under these conditions, global
pertumbuhan global berada pada kisaran 3,3% growth was in the range of 3.3% with inflation
dengan inflasi sekitar 3,9% yang menurun secara at around 3.9%, which gradually declined. Amid
bertahap. Di tengah dinamika tersebut, perekonomian these dynamics, Indonesia’s economy continued
Indonesia tetap menunjukkan ketahanan dengan to demonstrate resilience with growth of 5.1%
pertumbuhan sebesar 5,1% dan inflasi yang terjaga and inflation maintained at 2.9% at year-end.
pada level 2,9% per akhir tahun. Kinerja ini didukung This performance was supported by stable domestic
oleh konsumsi domestik yang stabil, investasi yang consumption, continued investment, manufacturing
berlanjut, kinerja manufaktur yang berada pada performance in an expansion phase, as well as
fase ekspansif, serta surplus neraca perdagangan a maintained trade balance surplus. The stability of
yang tetap terjaga. Stabilitas sektor keuangan dan the financial sector and the increase in investment
meningkatnya realisasi investasi turut memperkuat realization also strengthened the foundation of
fondasi pertumbuhan nasional. national growth.
2025 Annual Report | PT Bank Capital Indonesia Tbk 47
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Selaras dengan perkembangan tersebut, industri In line with these developments, the national banking perbankan nasional memperlihatkan kinerja yang industry demonstrated constructive performance with konstruktif dengan fungsi intermediasi yang semakin increasingly effective intermediation functions and efektif dan profil risiko yang tetap terkelola. Pertumbuhan a well-managed risk profile. Credit growth of 9.46% kredit sebesar 9,46% dengan total penyaluran mencapai with total disbursement reaching Rp8.69 trillion reflects Rp8,69 triliun mencerminkan membaiknya permintaan improving financing demand, particularly from the pembiayaan, khususnya dari segmen investasi seiring investment segment in line with increased business meningkatnya aktivitas ekspansi usaha. Dari sisi expansion activities. On the funding side, Third Party pendanaan, Dana Pihak Ketiga (DPK) juga meningkat Funds (DPK) also increased by 13.81% to reach Rp10.06 13,81% mencapai Rp10,06 triliun. Kinerja tersebut trillion. This performance was supported by the growth ditopang oleh pertumbuhan giro sebesar 19,13%, of demand deposits by 19.13%, time deposits by 14.28%, deposito 14,28%, dan tabungan 8,19%. Pertumbuhan and savings by 8.19%. The solid growth across these yang solid pada berbagai instrumen simpanan tersebut deposit instruments provides adequate liquidity space memberikan ruang likuiditas yang memadai bagi for the banking sector to support financing expansion, perbankan dalam mendukung ekspansi pembiayaan, while maintaining a balanced funding structure. sekaligus menjaga keseimbangan struktur pendanaan. Ketahanan industri juga tercermin pada kinerja The resilience of the industry is also reflected in Kelompok Bank berdasarkan Modal Inti 2 (KBMI 2) the performance of the Bank Group based on Core yang menunjukkan fundamental tetap terjaga. Hal ini Capital 2 (KBMI 2), which shows that fundamentals terlihat dari kualitas aset yang terkendali, permodalan remain well maintained. This is evident from controlled yang kuat, serta profitabilitas yang berada pada level asset quality, strong capitalization, as well as profitability memadai, sebagaimana tercermin pada Return on Asset at an adequate level, as reflected in a Return on Assets (ROA) sebesar 2,07%, Capital Adequacy Ratio (CAR) (ROA) of 2.07%, a Capital Adequacy Ratio (CAR) of sebesar 41,45%, dan Loan to Deposit Ratio (LDR) pada 41.45%, and a Loan to Deposit Ratio (LDR) at the level level 83,06%. Efisiensi operasional juga menunjukkan of 83.06%. Operational efficiency also shows a relatively kondisi yang relatif baik, tercermin dari rasio Biaya sound condition, as reflected in the Operating Expenses Operasional terhadap Pendapatan Operasional (BOPO) to Operating Income (BOPO) ratio of 78.31%, indicating sebesar 78,31%, yang mengindikasikan pengelolaan fairly optimal cost management. The decline in credit biaya yang cukup optimal. Penurunan rasio risiko kredit risk ratios further confirms the effectiveness of portfolio semakin menegaskan efektivitas pengelolaan portofolio, management, while the high level of capitalization sementara tingkat permodalan yang tinggi memberikan provides sufficient room to anticipate various future ruang yang memadai dalam mengantisipasi berbagai dynamics. dinamika ke depan. Di sisi lain, perkembangan inovasi digital terus On the other hand, the development of digital innovation menunjukkan arah yang positif, seiring dengan semakin continues to show a positive direction, in line with luasnya cakupan layanan keuangan berbasis teknologi. the increasingly broad coverage of technology-based Hal ini tercermin dari pertumbuhan kredit berbasis financial services. This is reflected in the growth of Buy Now Pay Later (BNPL) yang mencapai Rp26,4 Buy Now Pay Later (BNPL)-based credit, which reached triliun atau meningkat 19,32%, meskipun kontribusinya Rp26.4 trillion or increased by 19.32%, although its terhadap total kredit masih relatif terbatas, yakni contribution to total credit remains relatively limited sebesar 0,31%. Perkembangan tersebut mencerminkan at 0.31%. These developments reflect an improving respons yang semakin baik terhadap kebutuhan layanan response to the need for more adaptive financial keuangan yang lebih adaptif, sekaligus membuka services, while also opening further opportunities peluang pengembangan lebih lanjut dalam mendukung for development in supporting the sustainable peningkatan inklusi keuangan secara berkelanjutan. enhancement of financial inclusion. Tantangan dan Kendala yang Dihadapi Challenges and Constraints Faced Ketidakpastian global, termasuk dinamika geopolitik dan Global uncertainty, including geopolitical dynamics and perubahan arah kebijakan moneter internasional, turut shifts in international monetary policy direction, also memberikan tekanan bagi Bank Capital di sepanjang exerted pressure on Bank Capital throughout 2025. tahun 2025. Kondisi tersebut mendorong meningkatnya These conditions led to increased financial market 48 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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volatilitas pasar keuangan serta tekanan terhadap volatility as well as pressure on exchange rate stability,
stabilitas nilai tukar, yang pada akhirnya memengaruhi which in turn affected business sentiment. The impact
sentimen pelaku usaha. Dampaknya tercermin pada is reflected in the tendency of the business sector to
kecenderungan dunia usaha yang lebih selektif dalam be more selective in undertaking expansion, so that the
melakukan ekspansi, sehingga pertumbuhan permintaan growth in financing demand was not fully optimal. On the
pembiayaan tidak sepenuhnya optimal. Di sisi lain, tingkat other hand, relatively high interest rates also affected
suku bunga yang masih relatif tinggi turut memengaruhi the cost of funds and restrained the acceleration of
biaya dana serta menahan percepatan penyaluran kredit. credit disbursement.
Dari sisi industri, persaingan dalam penghimpunan From an industry perspective, competition in the
DPK semakin ketat, khususnya dalam menarik dana collection of Third Party Funds (DPK) has become
murah, sehingga menuntut strategi pendanaan yang increasingly intense, particularly in attracting low-cost
lebih adaptif dan efisien. Tekanan terhadap biaya funds, thereby requiring more adaptive and efficient
dana berdampak pada upaya menjaga margin bunga funding strategies. Pressure on the cost of funds affects
bersih agar tetap stabil, sementara kebutuhan untuk efforts to maintain stable net interest margins, while the
mempertahankan kualitas aset menjadi semakin need to maintain asset quality has become increasingly
krusial di tengah ekspansi kredit yang tetap selektif. crucial amid selective credit expansion. The potential
Potensi peningkatan risiko kredit pada beberapa sektor increase in credit risk in several business sectors has
usaha juga menjadi perhatian, sehingga memerlukan also become a concern, thus requiring strengthened
penguatan pengelolaan portofolio dan penerapan portfolio management and consistent application of
prinsip kehati-hatian secara konsisten. prudential principles.
Selain itu, percepatan transformasi digital menghadirkan In addition, the acceleration of digital transformation
tantangan tersendiri, terutama dalam hal kesiapan presents its own challenges, particularly in terms of
infrastruktur teknologi, penguatan keamanan sistem, technology infrastructure readiness, strengthening
serta peningkatan kapabilitas sumber daya manusia. of system security, as well as enhancement of human
Kebutuhan investasi pada pengembangan layanan resource capabilities. The need for investment in the
berbasis digital menjadi semakin penting untuk menjaga development of digital-based services has become
daya saing dan relevansi layanan terhadap kebutuhan increasingly important to maintain competitiveness and
nasabah yang terus berkembang. Dalam konteks ini, the relevance of services to evolving customer needs.
Bank dihadapkan pada kebutuhan untuk In this context, the Bank is faced with the need to
menyeimbangkan efisiensi operasional dengan balance operational efficiency with the strengthening of
penguatan kapabilitas jangka panjang, guna memastikan long-term capabilities, in order to ensure the continuity
kesinambungan kinerja di tengah perubahan lanskap of performance amid an increasingly complex industry
industri yang kian kompleks. landscape.
Strategi dan Kebijakan Strategis Sustainability Strategy and Strategic
Keberlanjutan Policies
Sebagai bagian dari komitmen dalam menghadirkan As part of its commitment to delivering excellent
layanan yang prima, Bank Capital menempatkan services, Bank Capital places the improvement of
peningkatan kualitas layanan serta kemudahan akses service quality and ease of access for customers as a top
bagi nasabah sebagai prioritas utama sepanjang priority throughout 2025. Various strategic initiatives
tahun 2025. Berbagai inisiatif strategis diarahkan are directed toward service modernization, network
pada modernisasi layanan, optimalisasi jaringan, serta optimization, as well as enhancement of operational
peningkatan efisiensi operasional guna memperkuat efficiency in order to strengthen competitiveness
daya saing di tengah dinamika industri yang semakin amid increasingly dynamic industry conditions.
kompetitif. Lingkungan perbankan yang diwarnai The banking environment, characterized by regulatory
oleh perubahan regulasi, percepatan digitalisasi, dan changes, accelerated digitalization, and rising customer
meningkatnya ekspektasi nasabah mendorong Bank expectations, has driven the Bank to strengthen its
untuk memperkuat strategi bisnis secara lebih adaptif, business strategy in a more adaptive manner, including
termasuk melalui pengembangan produk serta inovasi through product development and service innovations
layanan yang mampu menjawab kebutuhan transaksi that are able to meet increasingly fast, practical, and
yang semakin cepat, praktis, dan terintegrasi. integrated transaction needs.
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Dalam mendukung penguatan fundamental bisnis, In supporting the strengthening of business
Bank juga memperluas kerja sama strategis melalui fundamentals, the Bank also expanded strategic
penandatanganan Global Master Repurchase partnerships through the signing of the Global Master
Agreement (GMRA) untuk transaksi Repo dan Reverse Repurchase Agreement (GMRA) for Repo and Reverse
Repo dengan sejumlah counterparty. Kerja sama Repo transactions with several counterparties.
tersebut mencakup kolaborasi dengan Direktorat Such cooperation includes collaboration with the
Jenderal Keuangan Republik Indonesia sebagai salah satu Directorate General of Finance of the Republic of
mitra strategis. Inisiatif tersebut mencerminkan upaya Indonesia as one of the strategic partners. This initiative
untuk meningkatkan fleksibilitas pengelolaan likuiditas reflects efforts to enhance liquidity management
sekaligus memperluas akses terhadap instrumen pasar flexibility while expanding access to more efficient
keuangan yang lebih efisien dan likuid. Pendekatan ini and liquid financial market instruments. This approach
tidak hanya memperkuat struktur pendanaan, tetapi juga not only strengthens the funding structure, but also
mendukung peran Bank dalam mendorong pendalaman supports the Bank’s role in promoting deeper national
pasar keuangan nasional secara lebih berkelanjutan. financial market development in a more sustainable
manner.
Sejalan dengan komitmen terhadap prinsip Lingkungan, In line with its commitment to Environmental, Social,
Sosial, dan Tata Kelola (LST), pengembangan produk and Governance (ESG) principles, the development
dan layanan keuangan juga diarahkan pada inovasi of financial products and services is also directed
berbasis digital yang mendukung keberlanjutan toward digital-based innovations that support business
usaha sekaligus meningkatkan pengalaman nasabah. sustainability while enhancing customer experience.
Bank mengembangkan layanan Capital Flex sebagai The Bank develops Capital Flex services as a mobile
solusi mobile banking dengan fitur yang semakin banking solution with increasingly comprehensive
lengkap, mulai dari registrasi dan customer onboarding features, ranging from online registration and customer
secara daring, transaksi BI-FAST, hingga berbagai onboarding, BI-FAST transactions, to various digital
layanan pembayaran digital. Selain itu, New Capital payment services. In addition, New Capital Business
Business Net (New CBN) dihadirkan untuk mendukung Net (New CBN) is introduced to support the transaction
kebutuhan transaksi nasabah bisnis secara lebih needs of business customers in a more efficient and
efisien dan terintegrasi. Melalui langkah tersebut, integrated manner. Through these initiatives, the Bank
Bank berupaya menciptakan ekosistem layanan yang strives to create a service ecosystem that is responsive
responsif terhadap perkembangan teknologi sekaligus to technological developments while strengthening its
memperkuat posisi dalam menghadapi transformasi position in addressing the ongoing transformation of
industri keuangan yang terus berkembang. the financial industry.
Peranan Direksi dalam Perumusan dan The Role of the Board of Directors in
Implementasi Strategi Keberlanjutan the Formulation and Implementation of
Sustainability Strategy
Direksi memegang peranan sentral dalam merumuskan The Board of Directors holds a central role in formulating
arah strategis Bank yang selaras dengan visi jangka the Bank’s strategic direction in line with long-term
panjang serta dinamika industri yang terus berkembang. vision and continuously evolving industry dynamics.
Proses perumusan strategi dilakukan secara terstruktur The strategy formulation process is carried out in a
melalui evaluasi kinerja, analisis kondisi eksternal dan structured manner through performance evaluation,
internal, serta identifikasi risiko dan peluang usaha yang analysis of external and internal conditions, as well
relevan. Setiap kebijakan strategis ditetapkan dengan as identification of relevant business risks and
mempertimbangkan prinsip kehati-hatian, keselarasan opportunities. Each strategic policy is determined by
dengan ketentuan regulator, serta batasan risk appetite taking into account prudential principles, alignment
dan risk tolerance yang telah ditetapkan. Dalam hal with regulatory provisions, as well as the defined risk
ini, Direksi juga memastikan bahwa strategi yang appetite and risk tolerance limits. In this regard, the
dirumuskan tidak hanya berorientasi pada pertumbuhan, Board of Directors also ensures that the strategies
tetapi juga memperhatikan aspek keberlanjutan, formulated are not only growth-oriented, but also take
efisiensi operasional, serta peningkatan nilai tambah into consideration sustainability aspects, operational
bagi pemangku kepentingan. efficiency, as well as the enhancement of value added
for stakeholders.
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Untuk memastikan implementasi strategi berjalan To ensure the effective implementation of strategy,
efektif, Direksi melakukan pemantauan kinerja yang the Board of Directors conducts continuous, measurable,
terukur dan terintegrasi di seluruh lini organisasi secara and integrated performance monitoring across all
berkelanjutan. Proses ini didukung oleh penetapan lines of the organization. This process is supported by
indikator kinerja utama (key performance indicators) the establishment of clear key performance indicators
yang jelas, penguatan fungsi manajemen risiko, serta (KPIs), strengthening of risk management functions,
koordinasi yang intensif antarunit kerja. Selain itu, as well as intensive coordination among work units.
Direksi secara aktif mendorong peningkatan kompetensi In addition, the Board of Directors actively encourages
sumber daya manusia dan penguatan budaya kerja competency development of human resources and the
yang adaptif guna mendukung implementasi strategi strengthening of an adaptive work culture to support
secara optimal. Evaluasi berkala terhadap capaian dan optimal strategy implementation. Periodic evaluation
penyesuaian kebijakan juga dilakukan secara konsisten of achievements and policy adjustments are also
agar strategi yang dijalankan tetap relevan dan responsif carried out consistently to ensure that the strategies
terhadap perubahan kondisi usaha. implemented remain relevant and responsive to changes
in business conditions.
Pencapaian Kinerja dan Realisasi Target Performance Achievements and Realization
2025 of 2025 Targets
Pada tahun 2025, Bank Capital mencatatkan kinerja yang In 2025, Bank Capital recorded performance that
menunjukkan pertumbuhan signifikan pada sejumlah showed significant growth in a number of key
indikator utama, meskipun realisasi terhadap target yang indicators, although realization against the established
ditetapkan bervariasi. Penghimpunan DPK mencapai targets varied. The collection of Third Party Funds (DPK)
Rp18,25 triliun atau tumbuh 45,19% dibandingkan tahun reached Rp18.25 trillion or grew by 45.19% compared
sebelumnya, yang terutama didorong oleh peningkatan to the previous year, which was mainly driven by
deposito berjangka. Namun demikian, capaian tersebut an increase in time deposits. However, this achievement
berada pada 85,96% dari target yang telah ditetapkan, was at 85.96% of the established target, reflecting room
mencerminkan adanya ruang optimalisasi dalam strategi for optimization in the funding strategy. On the other
penghimpunan dana. Di sisi lain, penyaluran kredit hand, credit disbursement showed strong acceleration
menunjukkan akselerasi yang kuat dengan pertumbuhan with growth of 41.58% to Rp11.04 trillion, driven
sebesar 41,58% menjadi Rp11,04 triliun, yang didorong by increased financing to third parties, thereby reflecting
oleh peningkatan pembiayaan kepada pihak ketiga, the effectiveness of the Bank’s intermediation function.
sehingga memperlihatkan efektivitas fungsi intermediasi
Bank.
Dari sisi pendapatan, kinerja menunjukkan hasil yang From a revenue perspective, performance showed
relatif optimal dengan pendapatan bunga tercatat relatively optimal results with interest income recorded
sebesar Rp1,49 triliun atau meningkat 52,21% at Rp1.49 trillion or increasing by 52.21% compared to
dibandingkan tahun sebelumnya. Pencapaian tersebut the previous year. This achievement has also reached
juga telah mencapai 93,02% dari target yang ditetapkan. 93.02% of the established target. This also contributed
Hal ini turut mendorong peningkatan laba bersih sebesar to an increase in net profit of 15.18% to Rp125.99 billion,
15,18% menjadi Rp125,99 miliar, yang mencerminkan reflecting the Bank’s ability to maintain profitability amid
kemampuan Bank dalam menjaga profitabilitas di industry dynamics. In addition, total assets increased by
tengah dinamika industri. Selain itu, total aset meningkat 24.11% to Rp28.04 trillion, with equity growing by 1.99%
24,11% menjadi Rp28,04 triliun, dengan ekuitas yang to Rp6.75 trillion. The equity achievement has exceeded
tumbuh sebesar 1,99% menjadi Rp6,75 triliun. Capaian the target with an achievement level of 102.80%. This
ekuitas tersebut telah melampaui target dengan tingkat condition indicates that capital strengthening remains
pencapaian sebesar 102,80%. Kondisi ini menunjukkan well maintained to support sustainable business
bahwa penguatan permodalan tetap terjaga guna expansion.
mendukung ekspansi usaha secara berkelanjutan.
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Rencana Bisnis Bank
2025
Pencapaian Pertumbuhan
(dalam jutaan Rupiah)
Uraian Achievement Growth Description
Bank Business Plan
% %
2025
(in million Rupiah)
Jumlah Aset 31.488.718 89,04 24,11 Total Assets
Jumlah Ekuitas 6.570.816 102,80 1,99 Total Equity
Dana Pihak Ketiga 21.236.026 85,96 45,19 Third Party Funds
Penyaluran Kredit 15.835.474 69,69 41,58 Credit Disbursement
Pendapatan Bunga 1.603.202 93,02 52,21 Interest Income
Laba Bersih 158.842 79,31 15,18 Net Profit
Pada aspek tanggung jawab sosial dan lingkungan, In the aspect of social and environmental responsibility,
Bank juga menunjukkan komitmen yang sejalan dengan the Bank also demonstrates a commitment aligned
prinsip keberlanjutan. Upaya efisiensi energi terus with sustainability principles. Energy efficiency efforts
dilakukan, antara lain melalui pembelian Renewable continue to be implemented, among others through
Energy Certificate (REC) sebesar 2.098 MWh yang the purchase of Renewable Energy Certificates (REC)
bersumber dari pembangkit listrik tenaga hidro, sebagai amounting to 2,098 MWh sourced from hydroelectric
bagian dari dukungan terhadap pemanfaatan energi power plants, as part of support for the utilization of
terbarukan dan transisi menuju ekonomi hijau. Inisiatif ini renewable energy and the transition toward a green
diharapkan dapat berkontribusi pada target penurunan economy. This initiative is expected to contribute to the
emisi gas rumah kaca sebesar 5% pada tahun 2027. target of reducing greenhouse gas emissions by 5% by
Selain itu, Bank secara aktif menyelenggarakan program 2027. In addition, the Bank actively organizes financial
literasi dan inklusi keuangan bagi berbagai kelompok literacy and inclusion programs for various community
masyarakat, yang sejalan dengan agenda nasional groups, in line with the national agenda of the National
Gerakan Nasional Cerdas Keuangan (GENCARKAN). Financial Literacy Movement (GENCARKAN). Overall,
Secara keseluruhan, capaian tahun 2025 mencerminkan the achievements in 2025 reflect performance that has
kinerja yang tumbuh positif dengan tingkat pencapaian grown positively with a relatively well-maintained level
target yang relatif terjaga, sekaligus menunjukkan of target achievement, while also demonstrating the
komitmen Bank dalam mengintegrasikan aspek Bank’s commitment to integrating sustainability aspects
keberlanjutan ke dalam kegiatan usaha. into its business activities.
Prospek Keberlanjutan Tahun 2026 Sustainability Outlook for 2026
Prospek industri perbankan nasional pada tahun The outlook for the national banking industry in 2026
2026 diwarnai oleh dinamika global yang semakin is marked by increasingly complex global dynamics,
kompleks, seiring meningkatnya ketidakpastian akibat in line with rising uncertainty due to the escalation of
eskalasi konflik geopolitik di kawasan Timur Tengah. geopolitical conflicts in the Middle East region. These
Kondisi ini diperkirakan akan mendorong perlambatan conditions are expected to drive a slowdown in global
pertumbuhan ekonomi global ke kisaran 3,1% dengan economic growth to around 3.1%, with inflationary
tekanan inflasi yang meningkat hingga sekitar 4,1%. pressures increasing to approximately 4.1%. The
Penguatan dolar Amerika Serikat, kenaikan imbal hasil strengthening of the US dollar, rising US Treasury yields,
US Treasury, serta meningkatnya aliran modal keluar as well as increasing capital outflows from emerging
dari negara berkembang menjadi faktor yang berpotensi markets are factors that may put pressure on exchange
menekan stabilitas nilai tukar dan mempersempit ruang rate stability and narrow the room for monetary policy
pelonggaran kebijakan moneter. Dalam lingkungan yang easing. In such an environment, the banking sector
demikian, sektor perbankan dituntut untuk menjaga is required to maintain a balance between business
keseimbangan antara ekspansi usaha dan pengelolaan expansion and risk management in a more disciplined
risiko secara lebih disiplin. manner.
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Di tengah tekanan tersebut, perekonomian Indonesia Amid these pressures, Indonesia’s economy is projected
diprakirakan tetap menunjukkan ketahanan dengan to continue demonstrating resilience with growth in the
pertumbuhan dalam kisaran 4,9%-5,7%, yang didukung range of 4.9%–5.7%, supported by sustained domestic
oleh permintaan domestik yang terjaga serta sinergi demand and policy synergy between the government
kebijakan antara pemerintah dan otoritas terkait. Kondisi and relevant authorities. These conditions provide room
ini memberikan ruang bagi industri perbankan untuk for the banking industry to maintain its intermediation
mempertahankan fungsi intermediasi secara optimal, function optimally, with liquidity and capitalization
dengan likuiditas dan permodalan yang diproyeksikan projected to remain solid and credit risk relatively
tetap solid serta risiko kredit yang relatif terkendali. manageable. In 2026, credit growth is projected to be in
Di tahun 2026, pertumbuhan kredit diperkirakan the range of 8%–12%, supported by adequate financing
berada pada kisaran 8%-12%, didukung oleh kapasitas capacity, optimization of unutilized lending facilities, as
pembiayaan yang memadai, optimalisasi fasilitas well as support from macroprudential liquidity incentive
pinjaman yang belum dimanfaatkan, serta dukungan policies directed toward priority sectors.
kebijakan insentif likuiditas makroprudensial yang
diarahkan pada sektor prioritas.
Seiring dengan itu, percepatan digitalisasi layanan In line with this, the acceleration of financial service
keuangan menjadi salah satu pendorong penting dalam digitalization has become one of the key drivers shaping
membentuk prospek industri ke depan, tercermin the industry outlook going forward, as reflected in the
dari meningkatnya transaksi pembayaran digital yang increasing volume of digital payment transactions,
menunjukkan perubahan preferensi masyarakat. indicating a shift in public preferences. These
Perkembangan ini membuka peluang bagi perbankan developments open opportunities for the banking sector
untuk memperluas basis nasabah sekaligus meningkatkan to expand its customer base while improving operational
efisiensi operasional, meskipun efektivitas transmisi efficiency, although the effectiveness of monetary
kebijakan moneter masih memerlukan penguatan, policy transmission still requires strengthening,
khususnya dalam mendorong penyesuaian suku bunga particularly in encouraging more accommodative
kredit yang akomodatif. adjustments in lending interest rates.
Selaras dengan dinamika tersebut, Bank mengarahkan In alignment with these dynamics, the Bank directs
strategi manajemen risiko secara terintegrasi dengan its risk management strategy in an integrated manner
visi dan rencana bisnis, dengan memastikan eksposur with its vision and business plan, by ensuring that risk
risiko tetap berada dalam batas risk appetite dan risk exposure remains within the established risk appetite
tolerance yang telah ditetapkan. Penguatan budaya and risk tolerance limits. Strengthening of risk culture
risiko dilakukan melalui peningkatan kompetensi yang is carried out through continuous competency
berkesinambungan, didukung oleh pengembangan development, supported by the development of digital
layanan digital guna meningkatkan kualitas dan services to enhance the quality and speed of service to
kecepatan layanan kepada nasabah. customers.
Di sisi lain, strategi jangka pendek dan menengah On the other hand, short-term and medium-term
difokuskan pada pengembangan produk dan layanan strategies are focused on the development of products
yang adaptif terhadap kebutuhan masyarakat, and services that are adaptive to public needs, selective
perluasan jaringan kantor secara selektif, serta expansion of branch networks, as well as organizational
penguatan organisasi melalui peningkatan kualitas dan strengthening through the improvement of the quality
produktivitas sumber daya manusia. Pengelolaan Asset and productivity of human resources. Asset and
and Liability Management (ALM) terus dioptimalkan Liability Management (ALM) continue to be optimized
melalui penyesuaian struktur pendanaan dan penyaluran through adjustments in the funding structure and fund
dana, termasuk reprofiling portofolio kredit, pengelolaan allocation, including credit portfolio reprofiling, liquidity
likuiditas dan posisi devisa, serta penetapan suku bunga and foreign exchange position management, as well as
yang kompetitif. Bank juga senantiasa mengelola the determination of competitive interest rates. The
portofolio surat berharga secara selektif untuk menjaga Bank also consistently manages its securities portfolio
hasil yang optimal, dengan tetap memastikan kecukupan selectively to maintain optimal yields, while ensuring
modal berada di atas ketentuan guna memperkuat that capital adequacy remains above regulatory
ketahanan terhadap berbagai potensi risiko. requirements in order to strengthen resilience against
various potential risks.
2025 Annual Report | PT Bank Capital Indonesia Tbk 53
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Perkembangan Implementasi Tata Kelola Development of the Implementation of
Perusahaan Corporate Governance
Bank Capital menempatkan penerapan tata kelola Bank Capital places the implementation of good
perusahaan yang baik (Good Corporate Governance corporate governance (Good Corporate Governance
atau GCG) sebagai fondasi utama dalam menjaga or GCG) as the main foundation in maintaining integrity
integritas serta keberlanjutan usaha. Seluruh aktivitas and business sustainability. All operational activities
operasional dijalankan dengan mengacu pada kepatuhan are carried out with reference to compliance with
terhadap regulasi yang berlaku dan penerapan prinsip- applicable regulations and the consistent application
prinsip GCG secara konsisten. Dalam implementasinya, of GCG principles. In its implementation, the Bank
Bank berpedoman pada 4 pilar utama Pedoman Umum refers to the 4 main pillars of the Indonesian Corporate
Governansi Korporat Indonesia (PUGKI), yaitu etika Governance Guidelines (PUGKI), namely business
bisnis, akuntabilitas, transparansi, dan keberlanjutan, ethics, accountability, transparency, and sustainability,
yang diintegrasikan ke dalam setiap proses pengambilan which are integrated into every decision-making
keputusan dan pelaksanaan kegiatan usaha. Pendekatan process and execution of business activities.
ini memastikan bahwa pengelolaan Bank tidak hanya This approach ensures that the Bank’s management is
berorientasi pada pencapaian kinerja, tetapi juga not only oriented toward performance achievement,
menjaga keseimbangan antara kepentingan pemangku but also maintains a balance between stakeholder
kepentingan dan keberlangsungan usaha dalam jangka interests and long-term business sustainability.
panjang.
Sepanjang tahun 2025, komitmen terhadap penguatan Throughout 2025, the commitment to strengthening
GCG diwujudkan melalui berbagai inisiatif strategis yang GCG was realized through various targeted strategic
terarah. Bank meningkatkan efektivitas pengawasan initiatives. The Bank enhanced the effectiveness of
melalui penguatan peran Dewan Komisaris dan Komite, supervision through strengthening the role of the
termasuk memastikan komposisi independensi yang Board of Commissioners and Committees, including
memadai pada Komite Pemantau Risiko. Di sisi lain, ensuring adequate independence composition within
budaya sadar risiko terus ditanamkan secara menyeluruh the Risk Monitoring Committee. On the other hand,
di seluruh lini organisasi, tidak terbatas pada fungsi a risk-aware culture continued to be embedded across
manajemen risiko semata. Transparansi juga ditingkatkan all levels of the organization, not limited solely to the risk
melalui penyajian informasi yang komprehensif, akurat, management function. Transparency was also enhanced
dan tepat waktu, sementara integritas organisasi through the presentation of comprehensive, accurate,
diperkuat melalui penerapan sistem anti penyuapan and timely information, while organizational integrity
serta penguatan fungsi pengendalian internal. Selain was strengthened through the implementation of
itu, evaluasi kinerja Direksi, Dewan Komisaris, dan an anti-bribery system and the reinforcement of internal
Komite dilakukan secara berkala melalui mekanisme control functions. In addition, performance evaluations
self-assessment yang objektif guna memastikan of the Board of Directors, Board of Commissioners,
efektivitas pelaksanaan fungsi pengawasan dan and Committees were conducted periodically through
pengelolaan. objective self-assessment mechanisms to ensure
the effectiveness of supervisory and management
functions.
Dalam rangka menjaga kualitas penerapan GCG, Bank In order to maintain the quality of GCG implementation,
secara konsisten melakukan evaluasi menyeluruh yang the Bank consistently conducts comprehensive
mengacu pada praktik terbaik serta ketentuan regulator evaluations referring to best practices and applicable
yang berlaku. Penilaian dilakukan melalui mekanisme regulatory provisions. The assessment is carried out
self-assessment yang mencakup aspek governance through a self-assessment mechanism covering
structure, governance process, dan governance governance structure, governance process,
outcome, sehingga memberikan gambaran utuh and governance outcome, thereby providing
atas efektivitas tata kelola di seluruh lini operasional. a comprehensive overview of governance effectiveness
Hasil evaluasi terhadap 17 faktor penilaian menunjukkan across all operational lines. The results of the evaluation
bahwa pada tahun 2025 Bank memperoleh peringkat of 17 assessment factors indicate that in 2025 the Bank
2 dengan kategori “Baik”, yang mencerminkan achieved a rating of 2 with the category “Good”, reflecting
implementasi prinsip GCG yang berjalan secara konsisten the consistent and sustainable implementation of GCG
dan berkesinambungan. Penerapan tata kelola yang solid principles. Such solid governance implementation also
54 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Laporan Manajemen
Management Reports
tersebut turut mendukung terciptanya transparansi, supports the creation of transparency, accountability,
akuntabilitas, dan efisiensi dalam pengelolaan sumber and efficiency in resource management. This ultimately
daya. Hal ini pada akhirnya berkontribusi terhadap contributes to the achievement of positive performance,
pencapaian kinerja yang positif, antara lain pertumbuhan including significant growth in credit and Third-Party
kredit dan DPK yang signifikan, permodalan yang tetap Funds (DPK), strong capitalization, as well as an increase
kuat, serta peningkatan laba bersih di tengah dinamika in net profit amid challenging economic dynamics.
ekonomi yang menantang.
Penerapan Keuangan Berkelanjutan Implementation of Sustainable Finance
Bank Capital secara berkelanjutan mengintegrasikan Bank Capital continuously integrates sustainable finance
prinsip keuangan berkelanjutan ke dalam pengembangan principles into the development of products, services,
produk, layanan, serta proses bisnis, sebagai bagian as well as business processes, as part of its efforts to
dari upaya menciptakan nilai jangka panjang yang create long-term value that balances economic, social,
seimbang antara aspek ekonomi, sosial, dan lingkungan. and environmental aspects. This approach is realized
Pendekatan ini diwujudkan melalui pemanfaatan inovasi through the utilization of digital innovation that not
digital yang tidak hanya meningkatkan daya saing, tetapi only enhances competitiveness, but also expands
juga memperluas akses layanan keuangan yang inklusif access to inclusive and efficient financial services.
dan efisien. Pengembangan layanan seperti Capital The development of services such as Capital Flex as
Flex sebagai platform mobile banking dan New Capital a mobile banking platform and New Capital Business
Business Net (New CBN) sebagai solusi internet banking Net (New CBN) as an internet banking solution for
bagi nasabah bisnis menjadi bagian dari strategi untuk business customers forms part of the strategy to deliver
menghadirkan layanan yang lebih dinamis, cepat, serta services that are more dynamic, faster, and relevant to
relevan dengan kebutuhan masyarakat yang semakin the needs of an increasingly digitalized society.
terdigitalisasi.
Selain penguatan pada sisi layanan, implementasi In addition to strengthening the service aspect,
keuangan berkelanjutan juga didukung melalui the implementation of sustainable finance is also
peningkatan kapasitas sumber daya manusia yang supported through continuous human resource capacity
berkesinambungan. Sepanjang tahun 2025, Bank telah building. Throughout 2025, the Bank conducted
menyelenggarakan berbagai program pelatihan yang various training programs that not only focused on
tidak hanya berfokus pada aspek teknis dan operasional, technical and operational aspects, but also covered
tetapi juga mencakup pemahaman terkait keberlanjutan, understanding related to sustainability, corporate
tata kelola perusahaan, serta kepatuhan terhadap governance, as well as compliance with regulations.
regulasi. Materi pengembangan turut mencakup topik The development materials also included strategic topics
strategis seperti anti-fraud, anti-penyuapan, Anti such as anti-fraud, anti-bribery, Anti-Money Laundering
Pencucian Uang dan Pencegahan Pendanaan Terorisme and Counter-Terrorism Financing (AML-CTF), financial
(APU-PPT), literasi keuangan, serta pemahaman terhadap literacy, as well as understanding of green taxonomy,
taksonomi hijau, guna memperkuat kesiapan karyawan in order to strengthen employee readiness in
dalam mengimplementasikan prinsip keberlanjutan consistently implementing sustainability principles in
secara konsisten dalam aktivitas operasional. operational activities.
Melalui pendekatan yang terintegrasi tersebut, Bank Through this integrated approach, the Bank strives to
berupaya memastikan bahwa penerapan keuangan ensure that the implementation of sustainable finance is
berkelanjutan tidak hanya menjadi bagian dari kebijakan, not only part of policy, but also internalized within work
tetapi juga terinternalisasi dalam budaya kerja dan culture and daily business practices. These efforts are
praktik bisnis sehari-hari. Upaya ini diharapkan mampu expected to support the creation of more responsible
mendukung terciptanya layanan keuangan yang financial services, strengthen stakeholder trust, and
lebih bertanggung jawab, memperkuat kepercayaan contribute to the development of a more inclusive and
pemangku kepentingan, serta berkontribusi terhadap sustainable financial sector in the future.
pengembangan sektor keuangan yang lebih inklusif dan
berkelanjutan di masa mendatang.
2025 Annual Report | PT Bank Capital Indonesia Tbk 55
Page 58
Apresiasi Appreciation
Direksi memandang bahwa capaian yang diraih The Board of Directors views that the achievements
sepanjang tahun 2025 merupakan hasil dari sinergi yang attained throughout 2025 are the result of strong
solid antara seluruh elemen organisasi, serta dukungan synergy among all elements of the organization, as well
berkelanjutan dari para pemangku kepentingan. as the continued support of stakeholders. Appreciation
Apresiasi disampaikan kepada Dewan Komisaris atas is extended to the Board of Commissioners for their
arahan dan pengawasan yang konstruktif, kepada constructive guidance and supervision, to all employees
seluruh karyawan atas dedikasi dan profesionalisme for their consistent dedication and professionalism,
yang konsisten, serta kepada nasabah, mitra usaha, dan and to customers, business partners, and regulators
regulator atas kepercayaan yang terus terjaga. Bank for their continued trust. The Bank will continue to
akan terus memperkuat fondasi bisnis, meningkatkan strengthen its business foundation, enhance service
kualitas layanan, serta menjalankan strategi yang adaptif quality, and implement adaptive strategies to maintain
guna menjaga keberlanjutan kinerja. Dengan komitmen sustainable performance. With this commitment, the
tersebut, Bank akan terus menjaga pertumbuhan Bank will continue to sustain healthy growth and deliver
yang sehat serta menghadirkan nilai tambah yang continuous value added to all stakeholders.
berkesinambungan bagi seluruh pemangku kepentingan.
Atas nama Direksi
On behalf of the Board of Directors
PT BANK CAPITAL INDONESIA TBK,
Kurniawan Halim
Direktur Utama
President Director
56 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Laporan Manajemen
Management Reports
Harri Setia Budhi Febriyanti Ika Sari Kurniawan Halim Yenny Hoo Lim Migi Trisnadi Elias
Direktur Direktur Direktur Utama Direktur Direktur
Director Director President Director Director Director
2025 Annual Report | PT Bank Capital Indonesia Tbk 57
Page 60
58 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 61
Laporan Manajemen
Management Reports
Tanggung Jawab Laporan Tahunan
Annual Report Responsibility
Surat Pernyataan Anggota Dewan Komisaris dan Anggota Direksi
tentang Tanggung Jawab Atas Laporan Tahunan 2025
PT Bank Capital Indonesia Tbk
Statement of Members of the Board of Commissioners and the Board of Directors
on the Responsibility for the 2025 Annual Report of
PT Bank Capital Indonesia Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan We, the undersigned, hereby declare that all information
bahwa semua informasi dalam Laporan Tahunan in the Annual Report of PT Bank Capital Indonesia Tbk
PT Bank Capital Indonesia Tbk tahun 2025 telah dimuat for year 2025 has been fully contained and we shall
secara lengkap dan bertanggung jawab penuh atas be fully responsible to the correctness of contents in
kebenaran isi Laporan Tahunan Bank. the Annual Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 24 April 2026 / Jakarta, 24 April 2026
DEWAN KOMISARIS
Board of Commissioners
Danny Nugroho
Peter Kurniawan Komisaris Utama Andrey Jayanto
President Commissioner
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
DIREKSI
Board of Directors
Kurniawan Halim
Yenny Hoo Direktur Utama Harri Setia Budhi
Direktur President Director Direktur
Director Director
Lim Migi Trisnadi Elias Febriyanti Ika Sari
Direktur Direktur
Director Director
2025 Annual Report | PT Bank Capital Indonesia Tbk 59
Page 62
Profil Perusahaan Company Profile 60 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 63
2025 Annual Report | PT Bank Capital Indonesia Tbk 61
Page 64
Identitas Perusahaan
Company Identity
PT Bank Capital Indonesia Tbk
Dasar Hukum Pendirian
Menara BPJAMSOSTEK, Gedung Utara Lt. 1 dan / and 6 Legal Basis of Establishment
Jl. Jend. Gatot Subroto Nomor 38
Jakarta Selatan 12710 [POJK C.2] PT Bank Capital Indonesia Tbk (Bank) didirikan berdasarkan
Akta Pendirian Nomor 139 tanggal 20 April 1989 yang
: 021 2793 8989 kemudian diubah dengan Akta Perubahan Nomor 58
: 021 2793 8900 tanggal 3 Mei 1989, keduanya dibuat di hadapan
Nyonya Siti Pertiwi Henny Shidki, SH, Notaris di Jakarta
: call.center@bankcapital.co.id
dengan nama PT Bank Credit Lyonnais Indonesia.
: www.bankcapital.co.id Akta Pendirian tersebut telah memperoleh pengesahan
: 0812 9612 8989 dari Menteri Kehakiman Republik Indonesia (sekarang
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia)
: 1500289
dengan Surat Keputusan Nomor C2-4773.HT.01.01.TH.89
tanggal 27 Mei 1989 dan telah diumumkan dalam Berita
Negara Republik Indonesia Nomor 45 tanggal 5 Juni 1990,
Media Sosial Tambahan Nomor 1995.
Social Media PT Bank Capital Indonesia Tbk (Bank) was established
based on Deed of Establishment Number 139 dated
@bankcapitaloffical 20 April 1989 then amended by Deed of Amendment Number
bankcapitalindonesia 58 dated 3 May 1989, both were made before Mrs. Siti
Pertiwi Henny Shidki, SH, Notary in Jakarta with the name of
PT Bank Capital Indonesia Tbk PT Bank Credit Lyonnais Indonesia. The Deed of
Establishment was approved by Minister of Justice of
the Republic of Indonesia (currently Minister of Laws and
Human Rights of the Republic of Indonesia) based on
Tanggal Pendirian Decree Number C2-4773.HT.01.01.TH.89 dated 27 May
Establishment Date 1989 and announced in the Official Gazette of the Republic
20 April 1989 of Indonesia Number 45 dated 5 June 1990, Supplement
Number 1995.
20 April 1989
Tanggal Pencatatan Saham
Bidang Usaha
di Bursa Efek Indonesia
Line of Business
Listing Date on Indonesia Stock Exchange
Bank umum devisa.
4 Oktober 2007
Foreign exchange commercial bank.
4 October 2007
Modal Dasar Status Perusahaan
Authorized Capital Company’s Status
Rp7.900.000.000.000,- Perusahaan terbuka.
Public company.
Modal Ditempatkan dan Disetor Penuh
Issued and Fully Paid-Up Capital Kepemilikan Saham
Share Ownership
Rp1.995.302.488.500,-
PT Capital Global Investama
50,67%
Kode Saham Bank Julius Baer and Co
Ticker Code 24,03%
BACA Masyarakat / Public
25,30%
62 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Profil Perusahaan
Company Profile
Riwayat Singkat
Brief History
Bank merupakan bank umum devisa yang berdiri di Jakarta pada The Bank is a foreign exchange commercial bank established
tanggal 20 April 1989 berdasarkan Akta Pendirian Nomor 139, in Jakarta on 20 April 1989 pursuant to Deed of Establishment
kemudian diubah dengan Akta Nomor 58 tanggal 3 Mei 1989 Number 139, as amended by Deed Number 58 dated
yang dibuat di hadapan Notaris Siti Pertiwi Henny Shidki, SH. Akta 3 May 1989, drawn up before Notary Siti Pertiwi Henny Shidki,
pendirian tersebut telah memperoleh pengesahan dari Menteri SH. The deed of establishment was approved by the Minister
Kehakiman Republik Indonesia melalui Surat Keputusan of Justice of the Republic of Indonesia through Decree
Nomor C2-4773.HT.01.01.TH.89 tanggal 27 Mei 1989 dan Number C2-4773.HT.01.01.TH.89 dated 27 May 1989 and
diumumkan dalam Berita Negara Republik Indonesia Nomor 45 published in the State Gazette of the Republic of Indonesia
tanggal 5 Juni 1990, Tambahan Nomor 1995. Bank telah beroperasi Number 45 dated 5 June 1990, Supplement Number 1995.
secara komersial sejak tahun 1989 sebagai PT Bank Credit The Bank commenced commercial operations in 1989 under
Lyonnais Indonesia dan ditetapkan sebagai bank umum devisa the name PT Bank Credit Lyonnais Indonesia and was designated
melalui Surat Keputusan Menteri Keuangan Republik Indonesia as a foreign exchange commercial bank pursuant to Decree of
Nomor 1199/KMK.013/1989 tanggal 25 Oktober 1989 dan Surat Bank the Minister of Finance of the Republic of Indonesia Number
Indonesia Nomor 22/946/UPPS/PSD tanggal 26 Desember 1989. 1199/KMK.013/1989 dated 25 October 1989 and Bank Indonesia
Letter Number 22/946/UPPS/PSD dated 26 December 1989.
Nama Bank berubah menjadi PT Bank Capital Indonesia berdasarkan The Bank’s name was changed to PT Bank Capital Indonesia
Akta Notaris Nomor 1 tanggal 1 September 2004 di hadapan pursuant to Notarial Deed Number 1 dated 1 September 2004,
Sri Hasmiarti, SH, yang disahkan melalui Surat Keputusan Menteri executed before Sri Hasmiarti, SH, and approved through Decree of
Kehakiman dan Hak Asasi Manusia Republik Indonesia Nomor the Minister of Law and Human Rights of the Republic of Indonesia
C24209.HT.01.04.TH-2.2004 tanggal 29 September 2004 dan Number C24209.HT.01.04.TH-2.2004 dated 29 September 2004,
diumumkan dalam Berita Negara Republik Indonesia Nomor 101 and published in the State Gazette of the Republic of Indonesia
tanggal 17 Desember 2004, Tambahan Nomor 12246. Anggaran Number 101 dated 17 December 2004, Supplement Number
Dasar Bank telah beberapa kali mengalami perubahan, terakhir 12246. The Bank’s Articles of Association have been amended
dituangkan dalam Akta Nomor 22 tanggal 12 Oktober 2023 oleh several times, most recently as set forth in Deed Number 22 dated
Notaris Mahendra Adinegara, SH, MKn mengenai peningkatan 12 October 2023 drawn up by Notary Mahendra Adinegara, SH,
modal dasar Bank menjadi 79.000.000.000 saham, yang telah MKn, regarding the increase in the Bank’s authorized capital to
disahkan melalui Surat Keputusan Menteri Hukum dan Hak Asasi 79,000,000,000 shares, which was approved through Decree of
Manusia Republik Indonesia Nomor AHU-0203952.AH.01.11. the Minister of Law and Human Rights of the Republic of Indonesia
Tahun 2023 tanggal 13 Oktober 2023. Number AHU-0203952.AH.01.11.Year 2023 dated 13 October 2023.
Pada tanggal 4 Oktober 2007, Bank Capital resmi melantai di Bursa On 4 October 2007, Bank Capital was officially listed on
Efek Indonesia dengan kode saham BACA. Pencatatan saham ini the Indonesia Stock Exchange under the stock code BACA.
menandai tonggak penting transformasi Bank menuju entitas publik This share listing marked an important milestone in the Bank’s
yang transparan dan berdaya saing, sekaligus memperluas kapasitas transformation into a transparent and competitive public
dalam menyediakan beragam layanan keuangan untuk segmen company, while also expanding its capacity to provide a wide
ritel, komersial, dan korporasi. Sejak saat itu, Bank Capital terus range of financial services to the retail, commercial, and corporate
memperkuat fondasi bisnis melalui penerapan prinsip keuangan segments. Since then, Bank Capital has continued to strengthen
berkelanjutan, pengembangan inovasi digital, serta peningkatan its business foundation through the implementation of sustainable
standar tata kelola perusahaan. finance principles, the development of digital innovation, and
the enhancement of corporate governance standards.
Perjalanan tersebut membawa Bank Capital pada reputasi yang This journey has established Bank Capital’s solid reputation as
kokoh sebagai mitra keuangan yang inklusif dan progresif. an inclusive and progressive financial partner. Guided by its vision
Berlandaskan visi menjadi bank retail yang sehat dan terpercaya to become a sound and trusted retail bank that grows in a stable,
dengan tumbuh secara stabil, inklusif, dan berkelanjutan, inclusive, and sustainable manner, Bank Capital consistently delivers
Bank Capital senantiasa menghadirkan layanan yang adaptif services that are adaptive to customer needs while creating added
terhadap kebutuhan nasabah sekaligus memberikan nilai tambah value for the national economy and the wider community.
bagi perekonomian nasional dan masyarakat luas.
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Jejak Langkah
Milestones
2013
Melakukan penawaran umum terbatas II.
Conducted limited public offering II.
1989
2014
Didirikan dengan nama
PT Bank Credit Lyonnais Indonesia.
Menerbitkan obligasi subordinasi I.
Established under the name of Issued subordinated bonds I.
PT Bank Credit Lyonnais Indonesia.
2015
2004
• Melakukan penawaran umum terbatas III.
Melakukan perubahan nama menjadi • Menerbitkan obligasi subordinasi II.
PT Bank Capital Indonesia.
• Conducted limited public offering III.
Changed its name into • Issued subordinated bonds II.
PT Bank Capital Indonesia.
2017
2007
Menerbitkan obligasi subordinasi III.
Melakukan penawaran umum Issued subordinated bonds III.
perdana saham.
Conducted initial public offering of shares.
2018
2009 Meluncurkan kartu ATM yang tergabung dalam
Gerbang Pembayaran Nasional (GPN).
Melakukan penawaran umum terbatas I. Launched ATM card in association with
Conducted limited public offering I. National Payment Gateway (GPN).
1989 - 2009 2013 - 2018
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Profil Perusahaan
Company Profile
2019 2024
Meluncurkan internet banking dan mobile Memperkuat struktur permodalan, Perseroan
banking, yaitu Capital Net, Capital Business Net, berhasil mencatat total modal sebesar
dan Capital Mobile. Rp6,5 triliun dan masuk dalam kategori Kelompok
Bank berdasarkan Modal Inti (KBMI) 2.
Launched internet banking and mobile banking,
namely Capital Net, Capital Business Net, and Strengthened its capital structure, the Bank
Capital Mobile. successfully recorded a total capital of
Rp6.5 trillion and was entered the category of
Bank Groups based on Core Capital (KBMI) 2.
2022
Melakukan Penambahan Modal Tanpa Hak 2025
Memesan Efek Terlebih Dahulu (PMTHMETD)
untuk memenuhi ketentuan modal inti minimum
Rp3 triliun. • Resmi menggunakan energi bersih
Conducted Capital Increase Without Pre-Emptive melalui pembelian Renewable Energy
Rights (PMTHMETD) to meet minimum core Certificate di PT Indonesia Commodity
capital requirements of Rp3 trillion. and Derivatives Exchange.
• Meraih penghargaan sebagai Pioneers
of The Indonesia Renewable Energy
2023 Certificate Market dari PT Indonesia
Commodity and Derivatives Exchange
dan PT Indonesia Clearing House.
Meluncurkan aplikasi Capital Flex yang merupakan
mobile banking terbaru yang memberikan • Officially adopted the use of clean
kemudahan bagi nasabah maupun non-nasabah energy through the purchase of
Bank Capital untuk dapat bertransaksi dengan Renewable Energy Certificates from
user interface dan user experience terbaru dan PT Indonesia Commodity and
fitur-fitur menarik lainnya. Derivatives Exchange.
Launched Capital Flex, the updated user-friendly • Was awarded the Pioneers of
mobile banking apps for both customers and the Indonesia Renewable Energy
non-customers of Bank Capital to accommodate Certificate Market by PT Indonesia
transactions using the latest user interface as well Commodity and Derivatives Exchange
as providing new customer experience along with and PT Indonesia Clearing House.
other interesting features.
2019 - 2023 2024 - 2025
2025 Annual Report | PT Bank Capital Indonesia Tbk 65
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Visi, Misi, dan Nilai-Nilai Perusahaan [POJK C.1]
Company’s Vision, Mission, and Values
VISI Vision
Menjadi bank retail yang sehat dan terpercaya dengan
tumbuh secara stabil, inklusif, dan berkelanjutan.
To become a sound and trusted retail Bank by growing
stably, inclusively, and sustainably.
Nilai-Nilai Perusahaan
Company Values
Terpercaya Trust
Kami membangun dan menjaga kepercayaan dengan
keterbukaan, tanggung jawab, dan kejujuran.
We build and maintain trust with transparency,
responsibility, and honesty.
Kewirausahaan Entrepreneurship
Kami bertindak kreatif, inovatif, dan profesional untuk
mencapai visi dan misi Perusahaan.
We act creatively, innovatively, and professionally to
achieve the Company vision and mission.
Tinjauan Terhadap Visi, Misi, dan Nilai-Nilai Perusahaan oleh Dewan Komisaris dan Direksi
Tinjauan terhadap Visi, Misi, dan Nilai-Nilai Perusahaan oleh Dewan Komisaris dan Direksi
Sepanjang tahun 2025, Bank Capital meninjau kembali visi, misi, serta nilai-nilai perusahaan sebagai dasar arah
Pada tahun 2025, Bank Capital melakukan evaluasi terhadap visi, misi, serta nilai-nilai perusahaan. Hasil evaluasi
strategis. Hasil peninjauan tersebut menegaskan bahwa rumusan visi, misi, dan nilai-nilai yang dimiliki tetap relevan
menunjukkan bahwa visi, misi, dan nilai-nilai yang ada saat ini masih selaras dengan dinamika serta tantangan yang
dengan perkembangan industri perbankan serta mampu menjawab tantangan yang muncul di masa depan.
dihadapi dalam industri perbankan.
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Profil Perusahaan
Company Profile
Nilai-Nilai Perusahaan
Company Values
MISI Mission
Menyediakan layanan keuangan dengan pendekatan personal.
To provide financial services through personal approach.
Memberikan nilai tambah dan hasil yang maksimal kepada para pihak yang berkepentingan dengan
PT Bank Capital Indonesia Tbk.
To provide added values and maximum advantage to the stakeholders of PT Bank Capital Indonesia Tbk.
Mendukung pertumbuhan ekonomi yang berkualitas, dan memiliki keberlanjutan terhadap
lingkungan dan sosial.
To support quality economic growth, and have sustainability towards environment and social aspects.
Integritas Integrity
Kami utamakan sikap konsistensi dan teguh pada prinsip, nilai-nilai,
dan keyakinan dalam sikap dan perbuatan.
We prioritize consistency and adherence to principles, values, and beliefs in our
actions and behavior.
Prima Excellence
Kami berupaya menghasilkan karya dengan kualitas terbaik dan bernilai
tambah.
We strive to deliver excellent quality of services with strong added values.
Fokus pada Nasabah Focus on Customers
Kami memberikan perhatian dan pelayanan terbaik kepada
nasabah sebagai mitra utama yang saling menguntungkan.
We provide the utmost care and best service to customers
as our primary partners in mutually beneficial relationships.
Review of the Company’s Vision, Mission, and Values by the Board of Commissioners and Board of Directors
Throughout 2025, Bank Capital reviewed its vision, mission, and corporate values as the foundation of its strategic
direction. The results of the review confirmed that the existing formulation of the vision, mission, and values
remains relevant to developments in the banking industry and is capable of addressing challenges that may arise
in the future .
2025 Annual Report | PT Bank Capital Indonesia Tbk 67
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Kegiatan Usaha [POJK C.4] Business Activities Bank Capital menjalankan kegiatan usaha di bidang Bank Capital conducts its banking business activities in perbankan sesuai dengan ketentuan yang tercantum accordance with the provisions stipulated in Article 3 of dalam Pasal 3 Anggaran Dasar Perseroan serta the Company’s Articles of Association and applicable peraturan perundang-undangan yang berlaku. Bank laws and regulations. The Bank commenced commercial mulai beroperasi secara komersial pada tahun 1989 operations in 1989 as a foreign exchange commercial sebagai bank umum devisa, setelah memperoleh bank after obtaining approval through the Decree of persetujuan melalui Surat Keputusan Menteri Keuangan the Minister of Finance of the Republic of Indonesia Republik Indonesia Nomor 1199/KMK.013/1989 tanggal Number 1199/KMK.013/1989 dated 25 October 1989 25 Oktober 1989 dan pengesahan lebih lanjut dari Bank and further authorization from Bank Indonesia Indonesia melalui Surat Nomor 22/946/UPPS/PSD through Letter Number 22/946/UPPS/PSD dated tanggal 26 Desember 1989. 26 December 1989. Kegiatan Usaha yang Dijalankan Business Activities Conducted pada Tahun Buku in the Fiscal Year Sepanjang tahun 2025, Bank Capital menjalankan Throughout 2025, Bank Capital carried out its main aktivitas usaha utama sebagaimana diamanatkan business activities as mandated under Article 3 of dalam Pasal 3 Anggaran Dasar Perseroan, dengan tetap the Company’s Articles of Association, while consistently berpedoman pada ketentuan hukum yang berlaku serta adhering to applicable legal provisions and the prudential prinsip kehati-hatian dalam industri perbankan. principles of the banking industry. 68 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Profil Perusahaan
Company Profile
Produk dan Jasa [POJK C.4]
Products and Services
Sepanjang tahun 2025, Bank Capital menyediakan Throughout 2025, Bank Capital provided a wide range
beragam produk dan layanan perbankan untuk of banking products and services to meet customer
memenuhi kebutuhan nasabah, meliputi produk needs, including deposit products, lending facilities, and
simpanan, fasilitas pinjaman, serta layanan pendukung other supporting services, as outlined below:
lainnya yang diuraikan sebagai berikut:
Produk Simpanan
Savings Products
Tabungan / Savings Giro / Current Account Deposito / Deposit
• Capital Save • Giro IDR • Deposito IDR
• Capital Extra • Giro USD • Deposito USD
• Capital Extra Payroll • Capital Dollar USD • Deposito On Call (IDR)
• Capital Extra Mobile • Capital Giro Singapore Dollar (SGD) • Deposito On Call (USD)
• Capital Premier Plus • Capital Giro Australian Dollar (AUD)
• Capital Premier Personal • Capital Giro Japan Yen (JPY)
• Tabungan Capital Premier Bisnis
• TabunganKu
• TabunganKu Pensiun
• Tabungan Simpanan Pelajar (Simpel)
Produk Pinjaman
Loans Products
• Kredit Pemilikan Mobil / Car Financing • Kredit Multi-Guna / Multi-Purpose • Kredit Aksep / Demand Loan
• Kredit Kepemilikan Rumah / Home Financing • Kredit Money Market Garansi Bank /
Ownership Loan • Kredit Angsuran Berjangka / Term Loan Money Market Line Bank Guarantee
• Kredit Rekening Koran / Overdraft Facility • Kredit Pensiun / Pension Loans
Jasa Perbankan Lainnya
Other Banking Services
• Safe Deposit Box • Ekspor / Export • Agen Fasilitas dan Sekuritas / Facility and
• Kartu ATM/Debit / ATM/Debit Card • Impor / Import Securities Agent
• Online Transfer • Remittance • Pick Up Services
• BI-FAST • Layanan Payroll / Payroll Service • Internet Banking
• Inkaso / Collection • Mobile Banking
• Kliring / Clearing
• Valuta Asing / Foreign Exchange
Uraian lengkap terkait produk dan layanan yang disediakan oleh Bank Capital dapat diakses secara transparan melalui situs web resmi Bank
(www.bankcapital.co.id) sebagai sarana informasi bagi nasabah maupun pemangku kepentingan.
Detailed information regarding the products and services offered by Bank Capital can be accessed transparently through the Bank’s official
website (www.bankcapital.co.id) as an information resource for customers and stakeholders.
2025 Annual Report | PT Bank Capital Indonesia Tbk 69
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Wilayah Operasional [POJK C.3]
Operational Areas
Kantor Pusat
Head Office
Kantor Cabang
Branch Office
Kantor Cabang Pembantu
Sub-Branch Office
Kantor Cabang
Branch Office
KC Bandung KC Medan
KC Solo
Wisma Bumiputra Lt. Ground Floor Gedung Graha Merah Putih
Jl. Veteran Nomor 140
Jl. Asia Afrika Nomor 141-149 Jl. Putri Hijau Nomor 1
Solo 57155
Bandung 40112 Medan 20111
Telepon / Telephone : 0271 666 718
Telepon / Telephone : 022 426 7068 Telepon / Telephone : 061 8001 0545
Faksimile / Facsimile : 0271 638 911
Faksimile / Facsimile : 022 426 7067 Faksimile / Facsimile : 061 8001 0548
KC Surabaya KC Kupang KC Semarang
Gedung Graha Pacific Lt. 1 Gedung Graha Pena Lt. 1 Menara Suara Merdeka Lt. Ground Suite B
Jl. Basuki Rahmat Nomor 87-91 Jl. Piet A. Tallo Nomor 1 Jl. Pandanaran Nomor 30
Surabaya 60271 Kupang 85228 Semarang 50134
Telepon / Telephone : 031 9927 7750 Telepon / Telephone : 0380 880 1005 Telepon / Telephone : 024 7644 3520
Faksimile / Facsimile : 031 9927 7780 Faksimile / Facsimile : 0380 880 1004 Faksimile / Facsimile : 024 7644 3522
KC Palembang KC Makassar
Sudirman City Center Lt. 1 FF01-FF02 Gedung Baruga Telkomsel Lt. Dasar
Jl. Jend. Sudirman Nomor 57 Jl. A.P. Pettarani Nomor 3
Palembang 30125 Makassar 90221
Telepon / Telephone : 0711 526 5086 Telepon / Telephone : 0411 398 4060
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Profil Perusahaan
Company Profile
Kantor Pusat Kantor Cabang Kantor Cabang Pembantu
Head Office Branch Office Sub-Branch Office
2025 1 2025 8 2025 64
2024 1 2024 6 2024 64
2023 1 2023 6 2023 65
Kantor Pusat
Head Office
Menara BPJAMSOSTEK,
Gedung Utara Lt. 1 dan / and 6
Jl. Jend. Gatot Subroto Nomor 38
Jakarta Selatan 12710
: 021 2793 8989
: 021 2793 8900
: call.center@bankcapital.co.id
: www.bankcapital.co.id
: 0812 9612 8989
: 1500289
Kantor Cabang Pembantu
Sub-Branch Office
KCP Mega Kuningan KCP Mangga Dua
KCP Muara Karang
DEA Tower I Suite GF-02 (Zone B) Gedung Pusat Grosir Pasar Pagi Mangga Dua
Jl. Muara Karang Raya Nomor 24
Kawasan Mega Kuningan Lt. 2 Blok KA Nomor 008
Blok CC Selatan Kav. 47
Jl. Mega Kuningan Barat Kav. E4.3 Nomor 1-2 Jl. Mangga Dua Raya
Jakarta Utara 14450
Jakarta Selatan 12950 Jakarta Utara 14430
Telepon / Telephone : 021 6660 5773
Telepon / Telephone : 021 576 7111 Telepon / Telephone : 021 6230 6660
Faksimile / Facsimile : 021 668 0083
Faksimile / Facsimile : 021 576 7555 Faksimile / Facsimile : 021 6230 6825
KCP Kelapa Gading KCP Panglima Polim
KCP Grenville
Jl. Boulevard Raya Kelapa Gading Rukan Grand Panglima Polim
Kompleks Greenville Blok AS Nomor 34C
Blok RA-19 Nomor 3 Jl. Panglima Polim Raya Nomor 31
Jakarta Barat 11510
Jakarta Utara 14250 Jakarta Selatan 12160
Telepon / Telephone : 021 560 7818
Telepon / Telephone : 021 2938 5370 Telepon / Telephone : 021 7278 0908
Faksimile / Facsimile : 021 5696 9896
Faksimile / Facsimile : 021 2938 5371 Faksimile / Facsimile : 021 7278 8555
2025 Annual Report | PT Bank Capital Indonesia Tbk 71
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Kantor Cabang Pembantu
Sub-Branch Office
KCP Roxy Mas KCP Wisma Kodel KCP Sawah Besar
Kompleks ITC Roxy Mas, Blok D3 Nomor 9 Wisma Kodel Lt. 1 Jl. Sukarjo Wiryo Pranoto Nomor 2/4
Jl. KH. Hasyim Ashari Jl. HR. Rasuna Said Kav. B4 Jakarta Pusat 10120
Jakarta Pusat 10150 Jakarta Selatan 12910 Telepon / Telephone : 021 351 2377
Telepon / Telephone : 021 6385 8577 Telepon / Telephone : 021 521 4583 Faksimile / Facsimile : 021 351 2378
Faksimile / Facsimile : 021 6385 8576 Faksimile / Facsimile : 021 521 4884
KCP Tanah Abang KCP Radio Dalam KCP Hayam Wuruk
Pusat Grosir Metro Tanah Abang Jl. Raya Radio Dalam Blok H Nomor 4A Jl. Hayam Wuruk Nomor 98 A
Banking Centre Lt. 7 Nomor 21-22 Jakarta Selatan 12140 Jakarta Barat 11160
Jl. H. Fachrudin Telepon / Telephone : 021 723 1884 Telepon / Telephone : 021 601 7570
Jakarta Pusat 10250 Faksimile / Facsimile : 021 722 8424 Faksimile / Facsimile : 021 601 7572
Telepon / Telephone : 021 3003 5677
Faksimile / Facsimile : 021 3003 5928
KCP Mampang Prapatan KCP Pangeran Jayakarta KCP Sunter
Jl. Mampang Prapatan Raya Nomor 56E Komplek Hotel Willtop Jl. Danau Sunter Utara
Jakarta Selatan 12790 Jl. Pangeran Jayakarta Nomor 44/2 Blok G.7-C Kav. 6
Telepon / Telephone : 021 7919 5425 Jakarta Pusat 10730 Jakarta Utara 14350
Faksimile / Facsimile : 021 7919 5426 Telepon / Telephone : 021 625 5651 Telepon / Telephone : 021 640 3375
Faksimile / Facsimile : 021 625 5681 Faksimile / Facsimile : 021 640 3376
KCP Puri Indah KCP Glodok KCP Permata Hijau
Kompleks Pertokoan Pasar Puri Blok A Nomor 7 Kompleks Ruko, Glodok Plaza Blok F Nomor 18 Belleza Shopping Arcade Lt. Dasar Unit
Jl. Puri Indah Raya Jakarta Barat 11180 Nomor G 02
Jakarta Barat 11610 Telepon / Telephone : 021 6231 1175 Jl. Let. Jend. Soepeno Nomor 34
Telepon / Telephone : 021 582 0829 Faksimile / Facsimile : 021 6231 1176 Jakarta Selatan 12210
Faksimile / Facsimile : 021 582 6507 Telepon / Telephone : 021 5366 4779
Faksimile / Facsimile : 021 5366 4778
KCP Pluit Kencana KCP Gunung Sahari KCP Harco Mangga Dua
Jl. Pluit Kencana Nomor 83 Blok B Kav. 7C Jl. Gunung Sahari Raya Blok A5 Nomor 60-63 Komplek Harco Mangga Dua Blok I Nomor 4
Jakarta Utara 14450 Jakarta Pusat 10610 Jl. Mangga Dua Raya
Telepon / Telephone : 021 662 7908 Telepon / Telephone : 021 420 8249 Jakarta Pusat 10730
Faksimile / Facsimile : 021 662 7907 Faksimile / Facsimile : 021 420 5970 Telepon / Telephone : 021 612 3775
Faksimile / Facsimile : 021 612 7907
KCP Taman Palem Lestari KCP Asemka KCP Salemba
Taman Palem Lestari Blok C5 Nomor 36 Jl. Pasar Pagi Asemka Nomor 41 Sentra Salemba Mas
Jakarta Barat 11730 Jakarta Barat 11230 Jl. Salemba Raya Nomor 34-36 I
Telepon / Telephone : 021 2903 0542 Telepon / Telephone : 021 693 0827 Jakarta Pusat 10430
Faksimile / Facsimile : 021 555 1971 Faksimile / Facsimile : 021 693 0837 Telepon / Telephone : 021 314 1533
Faksimile / Facsimile : 021 314 0311
KCP Jembatan Dua KCP Palmerah KCP Jatinegara
Jl. Jembatan Dua Nomor 9B Jl. Palmerah Barat Nomor 42 Jl. Jatinegara Timur Nomor 31
Jakarta Utara 14450 Jakarta Barat 11480 Jakarta Timur 13310
Telepon / Telephone : 021 660 6190 Telepon / Telephone : 021 5366 4140 Telepon / Telephone : 021 8591 3285
Faksimile / Facsimile : 021 660 6193 Faksimile / Facsimile : 021 5366 4146 Faksimile / Facsimile : 021 8591 3287
KCP Sudirman KCP TB. Simatupang KCP Dutamas
Gedung Sona Topas Tower Lt. Dasar Talavera Office Park, Unit GF-105 Perum Taman Duta Mas Blok A-3 Nomor 37
Jl. Jend. Sudirman Kav. 26 Jl. Let. Jend. TB. Simatupang Kav. 22-26 Jakarta Barat 11460
Jakarta Selatan 12920 Jakarta Selatan 12430 Telepon / Telephone : 021 2954 1444
Telepon / Telephone : 021 250 6768 Telepon / Telephone : 021 7592 5050 Faksimile / Facsimile : 021 2954 1442
Faksimile / Facsimile : 021 250 6769 Faksimile / Facsimile : 021 7592 5045
KCP Rawasari KCP Tanah Abang Bukit KCP Kebon Jeruk RCTI
Jl. Rawasari Selatan Nomor 8A Pusat Perdagangan Tanah Abang Bukit, Jl. Raya Perjuangan Nomor 3
Jakarta Pusat 10570 Blok A/28 Jakarta Barat 11530
Telepon / Telephone : 021 421 6912 Jl. K.H. Fachrudin Nomor 36 Telepon / Telephone : 021 5366 6702
Faksimile / Facsimile : 021 421 6917 Jakarta Pusat 10250 Faksimile / Facsimile : 021 5366 6703
Telepon / Telephone : 021 392 5216
Faksimile / Facsimile : 021 392 5282
KCP Plaza Menteng KCP Citicon KCP Menara Hijau
Gedung Hotel Ibis Budget Plaza Menteng Menara Citicon Lt. 9 Suite E Menara Hijau Ground Floor
GF Unit 6F-06 Jl. Let. S. Parman Kav. 72 Suite G-01
Jl. HOS Cokroaminoto Nomor 79 Jakarta Barat 11410 Jl. MT. Haryono Kav. 33
Jakarta Pusat 10310 Telepon / Telephone : 021 2951 0260 Jakarta Selatan 12770
Telepon / Telephone : 021 315 6730 Faksimile / Facsimile : 021 2951 0261 Telepon / Telephone : 021 7918 7070
Faksimile / Facsimile : 021 315 5761 Faksimile / Facsimile : 021 7918 7077
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Profil Perusahaan
Company Profile
Kantor Cabang Pembantu
Sub-Branch Office
KCP Plaza Kelapa Gading KCP Fatmawati KCP Summarecon Bekasi
Kokan Plaza Kelapa Gading, Graha Satria Building GF Rukan Sinpasa Commercial
Blok C Nomor 15 Jl. Fatmawati Nomor 5 Jl. Boulevard Selatan Blok SA Nomor 5
Plaza Kelapa Gading (Inkopal) Jakarta Selatan 12150 Bekasi 17142
Jakarta Utara 14240 Telepon / Telephone : 021 7590 1467 Telepon / Telephone : 021 8946 7800
Telepon / Telephone : 021 4585 1091 Faksimile / Facsimile : 021 7590 1468 Faksimile / Facsimile : 021 8946 8725
Faksimile / Facsimile : 021 4585 1092
KCP Pantai Indah Kapuk KCP Teluk Gong KCP Kopi (Kota)
Rukan Emeral Park Nomor 29 Jl. Teluk Gong Raya Nomor 18H Jl. Kopi Nomor 29
Jl. Pantai Indah Kapuk Boulevard Jakarta Utara 14450 Jakarta Barat 11230
Jakarta Utara 14470 Telepon / Telephone : 021 6667 7811 Telepon / Telephone : 021 690 5448
Telepon / Telephone : 021 2921 0040 Faksimile / Facsimile : 021 6667 7812 Faksimile / Facsimile : 021 690 5449
Faksimile / Facsimile : 021 2921 0041
KCP Cengkareng KCP Kapuk Gresinda KCP Pasar Minggu
Ruko Green Valley Prima E / 5 Jl. Taman Gresinda F4 Nomor 21 Giesmart Plaza Lt. 1 Suite 102
Jl. Lingkar Luar Barat Jakarta Utara 14460 Jl. Raya Pasar Minggu Nomor 17A
Jakarta Barat 11730 Telepon / Telephone : 021 2903 3480 Jakarta Selatan 12780
Telepon / Telephone : 021 2901 8675 Faksimile / Facsimile : 021 2903 3481 Telepon / Telephone : 021 798 3407
Faksimile / Facsimile : 021 2901 8676 Faksimile / Facsimile : 021 798 3408
KCP Tebet KCP Kebayoran Lama KCP Jembatan Lima
Komplek Perkantoran Tebet Mas Indah 2 Jl. Raya Kebayoran Lama Jl. KH. Moh. Masyur Nomor 15E
Jl. Tebet Mas Indah IV Blok A4 Nomor 194 Jakarta Barat 11210
Jakarta Selatan 12810 Jakarta Selatan 12220 Telepon / Telephone : 021 632 6818
Telepon / Telephone : 021 8370 3645 Telepon / Telephone : 021 2751 5971 Faksimile / Facsimile : 021 632 6817
Faksimile / Facsimile : 021 8370 3644 Faksimile / Facsimile : 021 2751 5971
KCP Latumenten KCP Pulo Gadung KCP Arjuna Utara
Jl. Latumenten Raya Nomor 19E Jl. Bekasi Raya PTC Blok 8-I Kav. 31 Jl. Arjuna Utara Nomor 9A
Jakarta Barat 11460 Jakarta Timur 13920 Jakarta Barat 11510
Telepon / Telephone : 021 2986 0755 Telepon / Telephone : 021 460 6160 Telepon / Telephone : 021 2920 6330
Faksimile / Facsimile : 021 2986 0753 Faksimile / Facsimile : 021 460 6112 Faksimile / Facsimile : 021 2920 6331
KCP Bandengan KCP Kyai Caringin KCP Ratu Plaza
Jl. Bandengan Utara Raya Nomor 14 L Ruko Kyai Caringin Ratu Plaza Lt. Dasar, Unit G.016
Jakarta Barat 11240 Jl. Kyai Caringin Nomor 6A Jl. Jend. Sudirman Kav. 9
Telepon / Telephone : 021 2269 2033 Jakarta Pusat 10150 Jakarta Pusat 10270
Faksimile / Facsimile : 021 2269 2034 Telepon / Telephone : 021 2263 1495 Telepon / Telephone : 021 2751 0512
Faksimile / Facsimile : 021 2263 1496 Faksimile / Facsimile : 021 2751 0516
KCP Tanjung Duren KCP Daan Mogot KCP Pondok Indah
Jl. Tanjung Duren Barat I Nomor 3C Jl. Daan Mogot Raya Nomor 168 E Jl. Sultan Iskandar Muda Nomor 17C
Jakarta Barat 11470 Jakarta Barat 11730 Jakarta Selatan 12240
Telepon / Telephone : 021 2256 2677 Telepon / Telephone : 021 5431 3677 Telepon / Telephone : 021 2793 3350
Faksimile / Facsimile : 021 2256 2214 Faksimile / Facsimile : 021 5431 3124 Faksimile / Facsimile : 021 2793 3921
KCP Kayu Besar KCP Grogol KCP Wolter Monginsindi
Rukan Venice A Nomor 19 Jl. Dr. Makaliwe Raya 40-B Jl. Wolter Monginsidi Nomor 50
Komplek Golf Lake Residence Jakarta Barat 11450 Jakarta Selatan 12170
Jl. Lingkar Luar Barat Telepon / Telephone : 021 2256 4508 Telepon / Telephone : 021 2905 4000
Jakarta Barat 11730 Faksimile / Facsimile : 021 2256 4895 Faksimile / Facsimile : 021 2905 4222
Telepon / Telephone : 021 2252 7422
Faksimile / Facsimile : 021 2252 4943
KCP Gajah Mada KCP Cikini KCP Cikarang
Jl. Gajah Mada Nomor 76 Jl. Cilosari Nomor 121 AC Jl. MH. Thamrin Ruko Menteng
Jakarta Barat 11140 Jakarta Pusat 10330 Blok A Nomor 21
Telepon / Telephone : 021 630 9539 Telepon / Telephone : 021 2239 0162 Cikarang 17530
Faksimile / Facsimile : 021 630 8897 Faksimile / Facsimile : 021 2239 0196 Telepon / Telephone : 021 8992 7742
Faksimile / Facsimile : 021 8992 5648
KCP Gading Serpong
Jl. Boulevard Gading Golf DMD3/006
Tangerang 15810
Telepon / Telephone : 021 5568 8809
Faksimile / Facsimile : 021 5568 8106
2025 Annual Report | PT Bank Capital Indonesia Tbk 73
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Keanggotaan Asosiasi [POJK C.5]
Association Membership
Uraian Posisi Bank Skala Asosiasi
Description Bank Position Association Scale
Perhimpunan Bank Nasional Anggota Nasional
Indonesian Banks Association Member National
Asosiasi Emiten Indonesia Anggota Nasional
Indonesian Public Listed Companies Association Member National
Asosiasi Sistem Pembayaran Indonesia Anggota Nasional
Indonesian Payment System Association Member National
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan Anggota Nasional
Alternative Institution of Dispute Resolution of Financial Services Sector Member National
Asosiasi Perdagangan Berjangka Komoditi Indonesia Anggota Nasional
Indonesian Commodity Futures Trading Association Member National
Forum Komunikasi Direktur Kepatuhan Perbankan Anggota Nasional
Banking Compliance Director Communication Forum Member National
Forum Komunikasi Direktur Operasional Perbankan Anggota Nasional
Banking Operation Director Communication Forum Member National
Ikatan Bankir Indonesia Anggota Nasional
Indonesia Banker Association Member National
Anggota Nasional
Indonesia Corporate Secretary Association
Member National
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Profil Perusahaan
Company Profile
Struktur Organisasi
Komite Pemantau Risiko
Risk Monitoring Committee
Ketua / Chairman : Andrey Jayanto
Organizational Structure Anggota / Member
Anggota / Member
: Edi Supriyadi
: Yuliani Kadarisman
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Dewan Komisaris
Board of Commissioners Ketua / Chairman : Peter Kurniawan
Anggota / Member : Danny Nugroho
Komisaris Utama : Danny Nugroho
Anggota / Member : Andrey Jayanto
President Commissioner
Anggota / Member : Evlacia Fibriyani W.
Komisaris Independen : Peter Kurniawan
Independent Commissioner Komite Audit
Komisaris Independen : Andrey Jayanto Audit Committee
Independent Commissioner Ketua / Chairman : Peter Kurniawan
Anggota / Member : Yuliani Kadarisman
Anggota / Member : Dody Krisherdadi
Direktur Utama
President Director ALCO : Kurniawan Halim
Kurniawan Halim Komite Kredit / Credit Committee : Kurniawan Halim
Komite Manajemen Risiko / : Harri Setia Budhi
Risk Management Committee
Komite Kebijakan Perkreditan / : Kurniawan Halim
Credit Policy Committee
Komite Pengarah Teknologi Informasi / : Febriyanti Ika Sari
Information Technology Committee
Direktur Digital &
Direktur Kredit Consumer Banking Direktur Operasional Direktur Kepatuhan
Credit Director Digital & Consumer Operations Director Compilance Director
Banking Director
Yenny Hoo Lim Migi Trisnadi Elias Harri Setia Budhi
Febriyanti Ika Sari
Kredit Satuan Kerja
Teknologi Informasi Keuangan & Akuntansi
Credit Audit Internal Kepatuhan & Unit Kerja
Information Technology Finance & Accounting
Internal Audit Unit Pengenalan Nasabah
Muhamad
Elvindo Anton Hilman Compliance & AML
Rezki Yusuf Anadia Septasari
Josephine Kartika Tjandra
International Sumber Daya Manusia Tresuri & Institusi Keuangan
Banking Services Pengembangan Bisnis Human Capital
Business Development Treasury & Financial
Rouli Silaban Evlacia Fibriyani W. Institutions Satuan Kerja
Sakurdi Heles Koe Manajemen Risiko
Sistem & Prosedur Risk Management Unit
System & Procedure Area Manager Laurentius Ibnugroho
Umum
Sirojudin General Affairs
Karmawi
Kredit Pensiun Hukum; Sekretaris
Pension Credit Branches Perusahaan
Credit Support
Purwanto Legal; Corporate
Wendy Sanjaya
Secretary
Vanka
Anti Fraud Credit Review
A.I. Andy Handaja Marcus Mario Goeritno
Central Operational
T. Christiana Puspitasari
Operational Settlement
& Loan Admin
Iranie Desy Iskandar
Direktur
Director Branch Operational Support 1
Rizal Widjaya
Divisi
Division Branch Operational Support 2
Monna
Departemen
Department Branch Operational Support 3
Suherman
* Menjabat sejak 1 Desember 2025. / Serving since 1 December 2025.
** Menjabat sampai 1 Desember 2025. / Serving up to 1 December 2025.
Pension Credit Support
Novi Carolina
2025 Annual Report | PT Bank Capital Indonesia Tbk 75
Page 78
Profil Dewan Komisaris
Profile of the Board of Commissioners
Danny Nugroho
Komisaris Utama
President Commissioner
Warga negara Indonesia, berusia 50 tahun, saat ini Indonesian citizen, 50 years old, currently serving as
menjabat sebagai Komisaris Utama Bank Capital the President Commissioner of Bank Capital
sejak tahun 2004. Pertama kali diangkat berdasarkan since 2004. He was first appointed based on Deed
Akta Nomor 01 tanggal 1 September 2004 dan masa Number 01 dated 1 September 2004, with his term
jabatan diperpanjang hingga periode 2023–2027 extended until the 2023–2027 period through Deed
melalui Akta Nomor 07 tanggal 6 Oktober 2023. Number 07 dated 6 October 2023.
Meraih gelar Bachelor of Science dari The Ohio State Earned a Bachelor of Science degree from The Ohio
University, Columbus, Ohio, Amerika Serikat, pada State University, Columbus, Ohio, United States, in
tahun 1998 dan memiliki Sertifikat Kompetensi 1998 and holds Level 6 Risk Management Certification
Manajemen Risiko Jenjang 6 dari Badan Sertifikasi from the Risk Management Certification Body (BSMR).
Manajemen Risiko (BSMR). Saat ini, tidak memiliki Currently, he does not hold any other positions in other
rangkap jabatan di perusahaan lain. companies.
Beliau telah lulus uji kelayakan dan kepatutan dari He has passed the fit and proper test
Bank Indonesia sesuai Surat Nomor 6/69/DGS/DPIP/ from Bank Indonesia according to Letter
Rahasia tanggal 6 Agustus 2004. Beliau merupakan Number 6/69/DGS/DPIP/Confidential dated
penerima manfaat akhir Bank Capital dan memiliki 6 August 2004. He is the ultimate beneficial
hubungan afiliasi dengan Pemegang Saham Utama owner of Bank Capital and has an affiliation with
dan Pengendali Perseroan, yaitu PT Capital Global the Company’s Main Shareholder and Controlling
Investama. Selain hal tersebut, beliau tidak memiliki party, PT Capital Global Investama. Apart from this, he
hubungan afiliasi dengan anggota Dewan Komisaris does not have any affiliation with other members of
lainnya dan anggota Direksi. the Board of Commissioners or the Board of Directors.
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Profil Perusahaan
Company Profile
Peter Kurniawan
Komisaris Independen
Independent Commissioner
Warga negara Indonesia, berusia 60 tahun, saat ini Indonesian citizen, 60 years old, currently serving as
menjabat sebagai Komisaris Independen Bank Capital the Independent Commissioner of Bank Capital since
sejak tahun 2021. Pertama kali diangkat berdasarkan Akta 2021. He was first appointed based on Deed Number 60
Nomor 60 tanggal 29 Desember 2021 dan masa jabatan dated 29 December 2021, with his term extended until
diperpanjang hingga periode 2023–2027 melalui Akta the 2023–2027 period through Deed Number 07 dated
Nomor 07 tanggal 6 Oktober 2023. 6 October 2023.
Meraih gelar Sarjana Ekonomi dari Universitas Kristen Earned a Bachelor’s degree in Economics from
Satya Wacana, Salatiga, pada tahun 1989 dan memiliki Universitas Kristen Satya Wacana, Salatiga, in 1989
Sertifikat Kompetensi Manajemen Risiko Jenjang 6 and holds Level 6 Risk Management Certification
dari Badan Sertifikasi Manajemen Risiko (BSMR). Beliau from the Risk Management Certification Body
telah lulus uji kelayakan dan kepatutan dari Otoritas (BSMR). He has passed the fit and proper test from
Jasa Keuangan sesuai Surat Nomor KEP-162/D.03/2021 the Financial Services Authority according to Letter
tanggal 2 November 2021. Number KEP-162/D.03/2021 dated 2 November 2021.
Dengan pengalaman lebih dari 30 tahun di industri With over 30 years of experience in the banking industry,
perbankan, beliau telah memegang berbagai posisi he has held various strategic positions in branch banking
strategis di bidang branch banking & regional, & regional, operations, loan recovery, and Islamic
operasional, loan recovery, dan perbankan syariah. banking. He also served as the Chairman of the Risk
Selain itu, beliau juga pernah menjabat sebagai Ketua Monitoring Committee at Bank Capital from 2022 until
Komite Pemantau Risiko di Bank Capital sejak 2022 November 2023. Currently, he holds additional positions
hingga November 2023. Saat ini, memiliki rangkap as the Chairman of the Audit Committee and Chairman
jabatan sebagai Ketua Komite Audit dan Ketua Komite of the Remuneration and Nomination Committee at
Remunerasi dan Nominasi di Bank Capital. Bank Capital.
Beliau tidak memiliki hubungan afiliasi dengan Dewan He has no affiliation with other members of the
Komisaris lainnya, anggota Direksi, maupun Pemegang Board of Commissioners, the Board of Directors, or
Saham Utama dan Pengendali Perseroan. Beliau juga the Company’s Main Shareholder and Controlling
telah menjabat 2 periode sebagai Komisaris Independen parties. He has also served 2 terms as an Independent
dan telah menandatangani surat pernyataan Commissioner and has signed the independence
independensi. statement.
2025 Annual Report | PT Bank Capital Indonesia Tbk 77
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Andrey Jayanto
Komisaris Independen
Independent Commissioner
Warga negara Indonesia, berusia 44 tahun, saat ini menjabat Indonesian citizen, 44 years old, currently serving as
sebagai Komisaris Independen Bank Capital sejak tahun 2023. the Independent Commissioner of Bank Capital since
Pertama kali diangkat berdasarkan Akta Nomor 07 2023. He was first appointed based on Deed Number
tanggal 6 Oktober 2023 dengan masa jabatan untuk periode 07 dated 6 October 2023, with his term set for
2023–2027. the 2023–2027 period.
Meraih gelar Sarjana Hukum dari Universitas Tarumanegara, Earned a Bachelor’s degree in Law from Universitas
Jakarta, pada tahun 2007. Memiliki Sertifikat Kompetensi Tarumanegara, Jakarta, in 2007. Holds the Risk Management
Manajemen Risiko Jenjang 6 dari Badan Sertifikasi Certification Level 6 from Risk Management Certification Body
Manajemen Risiko (BSMR). Beliau telah lulus uji kelayakan (BSMR). He has passed the fit and proper test from the Financial
dan kepatutan dari Otoritas Jasa Keuangan sesuai Surat Services Authority according to Letter
Nomor KEP-30/D.03/2023 tanggal 10 Mei 2023. Number KEP-30/D.03/2023 dated 10 May 2023.
Dengan pengalaman lebih dari 10 tahun di industri perbankan, With more than 10 years of experience in the banking industry,
beliau telah memegang berbagai posisi strategis di bidang he has held various strategic positions in legal, credit, and
legal, credit, dan marketing. Sepanjang kariernya, beliau pernah marketing. Throughout his career, he has worked at Bank
bekerja di Bank Sinarmas (2008-2011), Bank Permata (2011– Sinarmas (2008-2011), Bank Permata (2011–2012), Bank QNB
2012), Bank QNB Kesawan (2012–2016), dan Bank KEB Hana Kesawan (2012–2016), and Bank KEB Hana (2016–2019), with
(2016–2019), dengan jabatan terakhir sebagai Unit Head of his last position being Unit Head of Global Marketing. Prior
Global Marketing. Sebelum bergabung dengan Bank Capital, to joining Bank Capital, he served as the President Director
beliau menjabat sebagai Direktur Utama PT Fintrega Hormindo of PT Fintrega Hormindo Indonesia (FINTAG) (2019-2023).
Indonesia (FINTAG) (2019-2023). Saat ini, memiliki rangkap Currently, he holds an additional position as the Chairman of
jabatan sebagai Ketua Komite Pemantau Risiko di Bank Capital. the Risk Monitoring Committee at Bank Capital.
Beliau tidak memiliki hubungan afiliasi dengan Dewan Komisaris He has no affiliation with other members of
lainnya, anggota Direksi, maupun Pemegang Saham Utama dan the Board of Commissioners, the Board of Directors, or
Pengendali Perseroan. Beliau juga telah menjabat 1 periode the Company’s Main and Controlling Shareholders. He has also
sebagai Komisaris Independen dan telah menandatangani surat served 1 term as an Independent Commissioner and has signed
pernyataan independensi. the independence statement.
78 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Profil Perusahaan
Company Profile
Profil Direksi
Profile of the Board of Directors
Kurniawan Halim
Direktur Utama
President Director
Warga negara Indonesia, berusia 55 tahun, saat ini menjabat Indonesian citizen, 55 years old, currently serving as
sebagai Direktur Utama Bank Capital sejak tahun 2023. Pertama the President Director of Bank Capital since 2023. He was first
kali diangkat berdasarkan Akta Nomor 07 tanggal 6 Oktober 2023 appointed based on Deed Number 07 dated 6 October 2023,
dengan masa jabatan untuk periode 2023–2027. with his term set for the 2023–2027 period.
Meraih gelar Sarjana Hukum dalam bidang Hukum Keperdataan He obtained a Bachelor of Law degree in Civil Law from
dari Universitas Tarumanegara, Jakarta, pada tahun 1993 Universitas Tarumanegara, Jakarta, in 1993 and a Master’s
dan Magister Program Manajemen Pemasaran dari Sekolah degree in Marketing Management from Sekolah Tinggi
Tinggi Ilmu Ekonomi IBII pada tahun 1998. Memiliki Sertifikat Ilmu Ekonomi IBII in 1998. Holds Level 7 Risk Management
Kompetensi Manajemen Risiko Jenjang 7 dari Badan Sertifikasi Certification from the Risk Management Certification Body
Manajemen Risiko (BSMR) dan Sertifikat Kompetensi Tresuri (BSMR) and Level 7 Treasury Competency Certification
Jenjang 7 dari ACI Financial Markets Association Indonesia. from ACI Financial Markets Association Indonesia. He has
Beliau telah lulus uji kelayakan dan kepatutan dari Otoritas passed the fit and proper test from the Financial Services
Jasa Keuangan sesuai Surat Nomor KEP-15/D.03/2023 tanggal Authority according to Letter Number KEP-15/D.03/2023
10 April 2023. dated 10 April 2023.
Dengan pengalaman lebih dari 29 tahun di industri perbankan, With more than 29 years of experience in the banking industry,
beliau memiliki keahlian di bidang marketing, branch banking, he has expertise in marketing, branch banking, regional
regional, dan business development. Sebelum bergabung operations, and business development. Before joining Bank
dengan Bank Capital, beliau bekerja di PT Bank Mega Tbk dan Capital, he worked at PT Bank Mega Tbk and held various
memegang berbagai posisi strategis, termasuk Area Funding strategic positions, including Area Funding Manager. At Bank
Manager. Di Bank Capital, beliau telah menduduki sejumlah Capital, he has held several key positions, such as Branch
jabatan penting, seperti Branch Banking Head (2014–2021), Banking Head (2014–2021), Head of Business and Network
Head of Business and Network Division (2021–2022), dan Division (2021–2022), and Director of Business (2022–2023).
Direktur Bisnis (2022–2023). Saat ini, memiliki rangkap jabatan Currently, he holds additional positions as the Chairman
sebagai Ketua Komite ALCO, Ketua Komite Kredit, dan anggota of ALCO Committee, Chairman of Credit Committee, and
Komite Kebijakan Kredit di Bank Capital. a member of Credit Policy Committee at Bank Capital.
Beliau tidak memiliki hubungan afiliasi dengan Dewan Komisaris, He has no affiliation with the Board of Commissioners, other
anggota Direksi lainnya, maupun Pemegang Saham Utama dan members of the Board of Directors, or the Main and Controlling
Pengendali hingga pemilik individu/entitas pemilik akhir. Shareholders, up to the ultimate individual/entity owner.
2025 Annual Report | PT Bank Capital Indonesia Tbk 79
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Yenny Hoo
Direktur Kredit
Credit Director
Warga negara Indonesia, berusia 64 tahun, saat ini menjabat Indonesian citizen, 64 years old, currently serving as
sebagai Direktur Kredit Bank Capital sejak tahun 2021. the Credit Director of Bank Capital since 2021. She
Pertama kali diangkat berdasarkan Akta Nomor 42 tanggal was first appointed based on Deed Number 42
25 Agustus 2021 dan masa jabatan diperpanjang hingga periode dated 25 August 2021, with her term extended until
2023–2027 melalui Akta Nomor 07 tanggal 6 Oktober 2023. the 2023–2027 period through Deed Number 07 dated
6 October 2023.
Meraih gelar Sarjana Ekonomi dari Universitas Hasanuddin, Earned a Bachelor’s degree in Economics from Universitas
Makassar, pada tahun 1986. Memiliki Sertifikat Kompetensi Hasanuddin, Makassar, in 1986. Holds Level 7 Risk Management
Manajemen Risiko Jenjang 7 dari Badan Sertifikasi Certification from the Risk Management Certification
Manajemen Risiko (BSMR). Beliau telah lulus uji kelayakan Body (BSMR). She has passed the fit and proper test
dan kepatutan dari Otoritas Jasa Keuangan sesuai Surat from the Financial Services Authority according to Letter
Nomor KEP-128/D.03/2021 tanggal 31 Agustus 2021. Number KEP-128/D.03/2021 dated 31 August 2021.
Dengan pengalaman lebih dari 30 tahun di industri perbankan, With over 30 years of experience in the banking industry, she
beliau memiliki keahlian di bidang marketing, kredit, branch has expertise in marketing, credit, branch banking, operations,
banking, operasional, dan loan recovery. Sebelum bergabung and loan recovery. Before joining Bank Capital, she worked at
dengan Bank Capital, beliau telah bekerja di beberapa several banks and most recently at Bank Sinarmas for 14 years,
Bank dan terakhir pada Bank Sinarmas selama 14 tahun, holding various strategic positions and ultimately serving as
memegang berbagai jabatan strategis hingga mencapai Executive Vice President – Loan Recovery. Her last position at
posisi Executive Vice President – Loan Recovery. Jabatan Bank Capital was as Head of Special Asset Management and
terakhir yang diemban adalah sebagai Kepala Divisi Special Corporate Credit Division (2020–2021). She currently does not
Asset Management dan Kredit Korporasi (2020–2021) hold any concurrent positions in other companies.
di Bank Capital serta saat ini tidak memiki rangkap jabatan di
perusahaan lain.
Beliau tidak memiliki hubungan afiliasi dengan Dewan Komisaris, She has no affiliation with the Board of Commissioners, other
anggota Direksi lainnya, maupun Pemegang Saham Utama dan members of the Board of Directors, or the Main and Controlling
Pengendali hingga pemilik individu/entitas pemilik akhir. Shareholders, up to the ultimate individual/entity owner.
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Profil Perusahaan
Company Profile
Harri Setia Budhi
Direktur Kepatuhan
Compliance Director
Warga negara Indonesia, berusia 58 tahun, saat ini menjabat Indonesian citizen, 58 years old, currently serving as
sebagai Direktur Kepatuhan Bank Capital sejak tahun 2021. the Compliance Director of Bank Capital since 2021. He was
Pertama kali diangkat berdasarkan Akta Nomor 60 tanggal 29 first appointed based on Deed Number 60 dated 29 December
Desember 2021 dan masa jabatan diperpanjang hingga periode 2021, with his term extended until the 2023–2027 period
2023–2027 melalui Akta Nomor 07 tanggal 6 Oktober 2023. through Deed Number 07 dated 6 October 2023.
Meraih gelar Sarjana Ekonomi dari Universitas Pancasila, Jakarta, Earned a Bachelor’s degree in Economics from Universitas
pada tahun 1991 dan memiliki Sertifikat Kompetensi Manajemen Pancasila, Jakarta, in 1991 and holds Level 7 Risk Management
Risiko Jenjang 7 dari Badan Sertifikasi Manajemen Risiko (BSMR). Certification from the Risk Management Certification
Beliau telah lulus uji kelayakan dan kepatutan dari Otoritas Jasa Body (BSMR). He has passed the fit and proper test from
Keuangan sesuai Surat Nomor KEP-159/D.03/2021 tanggal the Financial Services Authority according to Letter Number
21 November 2021. KEP-159/D.03/2021 dated 21 November 2021.
Dengan pengalaman lebih dari 25 tahun di industri perbankan, With over 25 years of experience in the banking industry, he has
beliau memiliki keahlian di bidang internal control, risk expertise in internal control, risk management, and compliance.
management, dan compliance. Sebelum bergabung dengan Before joining Bank Capital, he worked at Bank Sinarmas
Bank Capital, beliau bekerja di Bank Sinarmas dan sebelumnya and previously at the ex-Legacy PT Bank Shinta Indonesia
di ex-Legacy PT Bank Shinta Indonesia (1997–2021) dengan (1997–2021), where his last position was as Head of
jabatan terakhir yang diemban adalah sebagai Kepala Divisi the Compliance Division at Bank Sinarmas. Currently, he holds
Kepatuhan di Bank Sinarmas. Saat ini, memiliki rangkap jabatan an additional position as the Chairman of the Risk Management
sebagai Ketua Komite Manajemen Risiko di Bank Capital. Committee at Bank Capital.
Beliau tidak memiliki hubungan afiliasi dengan Dewan Komisaris, He has no affiliation with the Board of Commissioners, other
anggota Direksi lainnya, maupun Pemegang Saham Utama dan members of the Board of Directors, or the Main and Controlling
Pengendali hingga pemilik individu/entitas pemilik akhir. Shareholders, up to the ultimate individual/entity owner.
2025 Annual Report | PT Bank Capital Indonesia Tbk 81
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Lim Migi Trisnadi Elias
Direktur Operasional
Operations Director
Warga negara Indonesia, berusia 61 tahun, saat ini menjabat Indonesian citizen, 61 years old, currently serving as
sebagai Direktur Operasional Bank Capital sejak tahun 2022. the Operations Director of Bank Capital since 2022. He was
Pertama kali diangkat berdasarkan Akta Nomor 48 tanggal first appointed based on Deed Number 48 dated 16 November
16 November 2022 dan masa jabatan diperpanjang hingga 2022, with his term extended until the 2023–2027 period
periode 2023–2027 melalui Akta Nomor 07 tanggal 6 Oktober through Deed Number 07 dated 6 October 2023.
2023.
Meraih gelar Sarjana Ekonomi bidang Manajemen dari He obtained a Bachelor’s degree in Economics, specializing
Universitas Katolik Indonesia Atma Jaya, Jakarta, pada tahun in Management, from Universitas Katolik Indonesia Atma
1989 dan Magister Manajemen bidang Manajemen Keuangan Jaya, Jakarta, in 1989 and a Master’s degree in Management,
dari Universitas Pelita Harapan, Jakarta, pada tahun 2005. specializing in Financial Management, from Universitas Pelita
Memiliki Sertifikat Kompetensi Manajemen Risiko Jenjang Harapan, Jakarta, in 2005. Holds Level 7 Risk Management
7 dari Badan Sertifikasi Manajemen Risiko (BSMR) dan Certification from the Risk Management Certification Body
Sertifikat Kompetensi Tresuri Jenjang 7 dari ACI Financial (BSMR) and Level 7 Treasury Competency Certification from
Markets Association Indonesia. Beliau telah lulus uji kelayakan ACI Financial Markets Association Indonesia. He has passed
dan kepatutan dari Otoritas Jasa Keuangan sesuai Surat the fit and proper test from the Financial Services Authority
Nomor KEP-139/D.03/2022 tanggal 7 September 2022. according to Letter Number KEP-139/D.03/2022 dated
7 September 2022.
Dengan pengalaman lebih dari 30 tahun di industri perbankan, With over 30 years of experience in the banking industry, he
beliau memiliki keahlian di bidang operations, branch banking, has expertise in operations, branch banking, and information
dan information technology. Sebelum bergabung dengan technology. Before joining Bank Capital, he worked at
Bank Capital, beliau bekerja di PT Bank Lippo dan CIMB Niaga, PT Bank Lippo and CIMB Niaga, holding various strategic
memegang berbagai posisi strategis dan sebagai Information positions and as Information Technology & Operation Director
Technology & Operation Director di PT Bank Nationalnobu Tbk. at PT Bank Nationalnobu Tbk. His last position before joining
Jabatan terakhir yang diemban sebelum bergabung sebagai was as Associate Partner at PT Bina Analisindo Semesta.
Associate Partner di PT Bina Analisindo Semesta. Saat ini, tidak Currently, he does not hold any positions in other companies.
memiliki jabatan di perusahaan lain.
Beliau tidak memiliki hubungan afiliasi dengan Dewan Komisaris, He has no affiliation with the Board of Commissioners, other
anggota Direksi lainnya, maupun Pemegang Saham Utama dan members of the Board of Directors, or the Main and Controlling
Pengendali hingga pemilik individu/entitas pemilik akhir. Shareholders, up to the ultimate individual/entity owner.
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Profil Perusahaan
Company Profile
Febriyanti Ika Sari
Direktur Digital & Consumer Banking
Digital & Consumer Banking Director
Warga negara Indonesia, berusia 47 tahun, saat ini menjabat Indonesian citizen, 47 years old, currently serving as the Digital
sebagai Direktur Digital Banking Bank Capital. Pertama kali Banking Director of Bank Capital. She was first appointed based
diangkat berdasarkan Akta Nomor 07 tanggal 6 Oktober 2023 on Deed Number 07 dated 6 October 2023, for the 2023–2027
untuk periode 2023–2027. period.
Meraih gelar Sarjana Teknik Informatika dari Universitas Atma Earned a Bachelor’s degree in Informatics Engineering from
Jaya Yogyakarta, pada tahun 2001 dan memiliki Sertifikat Universitas Atma Jaya Yogyakarta in 2001 and holds Level 7
Kompetensi Manajemen Risiko Jenjang 7 dari Badan Sertifikasi Risk Management Certification from the Risk Management
Manajemen Risiko (BSMR). Beliau telah lulus uji kelayakan dan Certification Body (BSMR). She has passed the fit and proper
kepatutan dari Otoritas Jasa Keuangan berdasarkan Surat test from the Financial Services Authority based on Letter
Nomor KEP-25/D.03/2023 tanggal 18 April 2023. Number KEP-25/D.03/2023 dated 18 April 2023.
Memiliki pengalaman luas di bidang digital banking dan She has extensive experience in digital banking and information
teknologi informasi. Sebelum menjabat sebagai Direktur di Bank technology. Before her current position at Bank Capital, she
Capital, beliau pernah memegang sejumlah posisi strategis, held several strategic roles, including Head of IT Division at
termasuk Kepala Divisi IT di Bank Capital (2010–2021), IT Group Bank Capital (2010–2021), IT Group Head at PT Bank MNC
Head di PT Bank MNC Internasional Tbk (2021–2022), dan Internasional Tbk (2021–2022), and Head of Digital Technology
Kepala Divisi Digital Technology di PT Bank Ina Perdana Tbk Division at PT Bank Ina Perdana Tbk (2022–2023). Currently, she
(2022–2023). Saat ini, memiliki rangkap jabatan sebagai Ketua holds an additional position as the Chairman of the Information
Komite Pengarah Teknologi Informasi di Bank Capital. Technology Steering Committee at Bank Capital.
Beliau tidak memiliki hubungan afiliasi dengan Dewan Komisaris, She has no affiliation with the Board of Commissioners, other
anggota Direksi lainnya, maupun Pemegang Saham Utama dan members of the Board of Directors, or the Main and Controlling
Pengendali hingga pemilik individu/entitas pemilik akhir. Shareholders, up to the ultimate individual/entity owner.
2025 Annual Report | PT Bank Capital Indonesia Tbk 83
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Perubahan Komposisi Dewan Komisaris dan
Direksi serta Alasan Perubahan
Changes in the Composition of the Board of Commissioners and
Board of Directors and the Reasons for Changes
Sepanjang tahun 2025, susunan Dewan Komisaris dan Throughout 2025, the composition of the Company’s
Direksi Perseroan tetap konsisten tanpa mengalami Board of Commissioners and Board of Directors remained
perubahan. Struktur keanggotaan yang ada telah unchanged. The existing membership structure was
disusun dengan memperhatikan ketentuan perundang- established in compliance with the prevailing laws and
undangan yang berlaku, khususnya Peraturan Otoritas regulations, particularly Financial Services Authority
Jasa Keuangan Nomor 33/POJK.04/2014 mengenai Regulation Number 33/POJK.04/2014 concerning
Direksi dan Dewan Komisaris Emiten atau Perusahaan the Board of Directors and Board of Commissioners
Publik, sehingga memastikan penerapan tata kelola of Issuers or Public Companies, thereby ensuring the
perusahaan yang sesuai dengan prinsip kepatuhan dan implementation of sound corporate governance based
profesionalisme. on the principles of compliance and professionalism.
Profil Pejabat Eksekutif, Area Manager, dan Kepala
Kantor Cabang
Profile of Executive Officers, Area Managers, and Branch Office Heads
Nama Jabatan
Name Position
Kepala Divisi Sumber Daya Manusia
Evlacia Fibriyani W
Head of Human Capital Division
Kepala Divisi Keuangan dan Akuntansi
Anton Hilman
Head of Finance and Accounting Division
Kepala Divisi Kredit
Muhamad Rezki Yusuf
Head of Credit Division
Kepala Divisi Satuan Kerja Audit Internal
Anadia Septasari
Head of Internal Audit Unit Division
Kepala Divisi Teknologi Informasi
Elvindo
Head of Information Technology Division
Kepala Divisi Treasuri dan Institusi Keuangan
Sakurdi Heles Koe
Head of Treasury and Financial Institutions Division
Kepala Divisi Umum
Karmawi
Head of General Affairs Division
Kepala Seksi Pension Credit Support
Novi Carolina
Head of Pension Credit Support Section
Kepala Departemen Anti-Fraud
A.I. Andy Handaja
Head of Anti-Fraud Department
84 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Profil Perusahaan
Company Profile
Nama Jabatan
Name Position
Kepala Departemen Branch Operational Support 1
Rizal Widjaya
Head of Branch Operational Support Department 1
Kepala Departemen Branch Operational Support 2
Monna
Head of Branch Operational Support Department 2
Kepala Departemen Branch Operational Support 3
Suherman
Head of Branch Operational Support Department 3
Kepala Departemen Central Operational
T. Christiana Puspitasari
Head of Central Operational Department
Kepala Departemen Credit Review
Marcus Mario Goeritno
Head of Credit Review Department
Kepala Departemen Credit Support
Wendy Sanjaya
Head of Credit Support Department
Kepala Departemen Hukum dan Sekretaris Perusahaan
Vanka
Head of Legal Department and Corporate Secretary
Kepala Departemen International Banking Services
Rouli Silaban
Head of International Banking Services Department
Kepala Departemen Kepatuhan dan Unit Kerja Pengenalan Nasabah
Josephine Kartika Tjandra
Head of Compliance Department and Know Your Customer Unit
Kepala Departemen Kredit Pensiun
Purwanto
Head of Pension Credit Department
Kepala Departemen Operational Settlement & Loan Admin
Iranie Desy Iskandar
Head of Operational Settlement & Loan Admin Department
Kepala Departemen Sistem dan Prosedur
Sirojudin
Head of Systems and Procedures Department
Kepala Departemen Satuan Kerja Manajemen Risiko
Laurentius Ibnugroho
Head of Risk Management Unit Department
Marlin Area Manager 1
Merry Agustien Area Manager 2
Lim Tjoeiy Tjoeiy Area Manager 3
Sari Setiawati Area Manager 5
Salvy James Area Manager 6
Yan Sebastian Area Manager 7
Cendawa Liawati Area Manager 8
Area Manager Luar Kota
Angelia Hernita Santoso
Regional Area Manager
Kepala KC Surabaya
Linania
Head of Surabaya Branch Office
Kepala KC Bandung
Djoti
Head of Bandung Branch Office
Kepala KC Kupang
Grisdinalin Fiftin Dessy Ayal
Head of Kupang Branch Office
Kepala KC Medan
Cumi Wati
Head of Medan Branch Office
Kepala KC Makassar
Amelia
Head of Makassar Branch Office
Kepala KC Palembang
Erni
Head of Palembang Branch Office
2025 Annual Report | PT Bank Capital Indonesia Tbk 85
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Komposisi Pemegang Saham [POJK C.3]
Shareholders Composition
31 Desember 2025 1 Januari 2025
31 December 2025 1 January 2025
Uraian
Description Jumlah Saham Jumlah Saham
(Lembar Saham) Kepemilikan Saham (Lembar Saham) Kepemilikan Saham
Share Ownership Share Ownership
Total Shares (%) Total Shares (%)
(Shares) (Shares)
Kepemilikan Saham Lebih dari 5% / Share Ownership More than 5%
PT Capital Global Investama 10.109.177.511 50,67 14.904.480.000 74,70
Bank Julius Baer and Co 4.795.302.489 24,03 - -
Kepemilikan Saham Kurang dari 5% / Share Ownership Less than 5%
Masyarakat
5.048.544.885 25,30 5.048.544.885 25,30
Public
Total 19.953.024.885 100,00 19.953.024.885 100,00
Komposisi Pemegang Saham berdasarkan Status Kepemilikan
Shareholders Composition by Ownership Status
31 Desember 2025 1 Januari 2025
31 December 2025 1 January 2025
Uraian Jumlah Jumlah Saham Kepemilikan Jumlah Jumlah Saham Kepemilikan
Description Pemegang (Lembar Saham Pemegang (Lembar Saham
Saham Saham) Share Saham Saham) Share
Total Total Shares Ownership Total Total Shares Ownership
Shareholders (Shares) (%) Shareholders (Shares) (%)
Institusi Lokal
72 13.432.479.759 67,32 72 18.012.175.002 90,27
Local Institutions
Institusi Asing
22 5.055.305.739 25,33 20 260.315.750 1,30
Foreign Institutions
Individu Lokal
18.059 1.462.072.487 7,33 18.362 1.677.388.633 8,41
Local Individuals
Individu Asing
29 3.166.900 0,02 29 3.145.500 0,02
Foreign Individuals
Total 18.182 19.953.024.885 100,00 18.483 19.953.024.885 100,00
86 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Profil Perusahaan
Company Profile
Komposisi Kepemilikan Saham oleh Manajemen Kunci
Composition of Share Ownership by Key Management
Kepemilikan Saham Bank Capital Kepemilikan Saham Bank Capital Secara
Secara Langsung Tidak Langsung
Direct Ownership of Bank Capital Indirect Ownership of Bank Capital
Shares Shares
Nama Jabatan
Name Position 31 Desember 31 Desember
2025 1 Januari 2025 2025 1 Januari 2025
31 December 1 January 2025 31 December 1 January 2025
2025 (%) 2025 (%)
(%) (%)
Danny Nugroho Komisaris Utama 0,0000 0,0000 10.109.177.511 14.904.480.000
President lembar saham lembar saham atau
Commissioner atau 50,67% 74,70%
(Melalui (Melalui PT Capital
PT Capital Global Global Investama)
Investama) 14,904,480,000
10,109,177,511 shares or 74.70%
shares or 50.67% (Through PT Capital
(through Global Investama)
PT Capital Global
Investama)
Peter Kurniawan Komisaris Independen Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Independent N/A = None N/A = None N/A = None N/A = None
Commissioner
Andrey Jayanto Komisaris Independen Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Independent N/A = None N/A = None N/A = None N/A = None
Commissioner
Kurniawan Halim Direktur Utama 0,0000 0,0000 Nihil = Tidak Ada Nihil = Tidak Ada
President Director N/A = None N/A = None
Yenny Hoo Direktur Kredit Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Credit Director N/A = None N/A = None N/A = None N/A = None
Harri Setia Budhi Direktur Kepatuhan Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Compliance Director N/A = None N/A = None N/A = None N/A = None
Lim Migi Trisnadi Elias Direktur Operasional Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Operations Director N/A = None N/A = None N/A = None N/A = None
Febriyanti Ika Sari Direktur Digital & Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Consumer Banking N/A = None N/A = None N/A = None N/A = None
Digital & Consumer
Banking Director
2025 Annual Report | PT Bank Capital Indonesia Tbk 87
Page 90
Kepemilikan Saham oleh Manajemen Kunci pada Perusahaan Lain
Share Ownership by Key Management in Other Companies
Kepemilikan Saham
Share Ownership
(>5%)
Nama Jabatan
Name Position Lembaga Keuangan
Bank Lain Non-Bank Perusahaan Lain
Other Banks Non-Bank Financial Other Companies
Institutions
Komisaris Utama Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Danny Nugroho
President Commissioner N/A = None N/A = None N/A = None
Komisaris Independen Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Peter Kurniawan
Independent Commissioner N/A = None N/A = None N/A = None
Komisaris Independen Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Andrey Jayanto
Independent Commissioner N/A = None N/A = None N/A = None
Direktur Utama Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Kurniawan Halim
President Director N/A = None N/A = None N/A = None
Direktur Kredit Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Yenny Hoo
Credit Director N/A = None N/A = None N/A = None
Direktur Kepatuhan Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Harri Setia Budhi
Compliance Director N/A = None N/A = None N/A = None
Direktur Operasional Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Lim Migi Trisnadi Elias
Operations Director N/A = None N/A = None N/A = None
Direktur Digital & Consumer
Banking Nihil = Tidak Ada Nihil = Tidak Ada Nihil = Tidak Ada
Febriyanti Ika Sari
Digital & Consumer Banking N/A = None N/A = None N/A = None
Director
88 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 91
Profil Perusahaan
Company Profile
Struktur Pemegang Saham Utama dan Pengendali
Structure of the Main and Controlling Shareholders
Danny Nugroho
PT Capital Strategic Invesco
52,67%
PT Capital Financial Indonesia Tbk
Penerima Manfaat Akhir Individu / Individual Ultimate Beneficiary Owner
99,99%
PT Capital Sharia Indonesia
99,99%
PT Capital Financial Sharia
99,99%
PT Capital Global Investama Masyarakat / Public
50,67% 49,33%
PT Bank Capital Indonesia Tbk
Berdasarkan struktur Pemegang Saham Utama dan Based on the structure of Main and Controlling
Pengendali, Pemegang Saham Utama dan Pengendali Shareholders, the Company’s Main and Controlling
Perseroan adalah PT Capital Global Investama dengan Shareholders is PT Capital Global Investama with
kepemilikan sebesar 10.109.177.511 lembar saham atau total ownership of 10,109,177,511 shares or 50.67%.
50,67%. Adapun penerima manfaat akhir (ultimate Meanwhile, the Company’s ultimate beneficial owner is
beneficial owner) Perseroan adalah Danny Nugroho. Danny Nugroho.
2025 Annual Report | PT Bank Capital Indonesia Tbk 89
Page 92
Informasi Entitas Anak, Perusahaan Asosiasi,
dan Ventura Bersama
Information on the Subsidiary, Associated Company, and Joint Venture
Sepanjang tahun 2025, Bank tidak membentuk maupun Throughout 2025, the Bank neither established nor
memiliki Entitas Anak, perusahaan asosiasi, ataupun owned any Subsidiaries, associated companies, or
ventura bersama. Struktur usaha Bank tetap berfokus joint ventures. The Bank’s business structure remained
pada kegiatan utama perbankan tanpa keterlibatan focused on its core banking activities, without
dalam kepemilikan atau pengelolaan entitas lain. involvement in the ownership or management of other
entities.
Kronologi Pencatatan Saham
Chronology of Share Listing
Sesuai keputusan RUPS pada tanggal 13 Juli 2007, In accordance with GMS resolution on 13 July 2007,
para Pemegang Saham Bank telah menyetujui untuk the Shareholders of the Bank agreed to conduct an
melakukan penawaran umum saham kepada masyarakat. initial public offering of shares to the public. Following
Sesuai dengan keputusan RUPS tanggal 17 Juli 2007, the GMS resolution on 17 July 2007, on 1 October
maka pada tanggal 1 Oktober 2007 telah dilakukan 2007, the allotment of shares was carried out, in
penjatahan saham, di mana saham yang dikeluarkan dan which 500,000,000 shares were issued and offered to
ditawarkan kepada masyarakat sebanyak 500.000.000 the public. Each share had a nominal value of Rp100 and
lembar saham dengan nilai nominal Rp100 per lembar an offering price of Rp150 per share. These shares were
saham dan harga penawaran Rp150 per lembar saham, subsequently listed on the Jakarta Stock Exchange
di mana saham-saham tersebut telah didaftarkan di (now the Indonesia Stock Exchange).
Bursa Efek Jakarta (sekarang Bursa Efek Indonesia).
Para Pemegang Saham Bank telah menyetujui The Shareholders of the Bank approved the Limited
Penawaran Umum Terbatas I disertai dengan penerbitan Public Offering I accompanied by the issuance of
Waran dalam rangka Hak Memesan Efek Terlebih Dahulu Warrants in the framework of Pre-emptive Rights
(HMETD) melalui RUPS Luar Biasa yang diadakan pada (HMETD) through the Extraordinary GMS held on
tanggal 24 Juni 2009 dan telah memperoleh pernyataan 24 June 2009 and obtained an effective statement
efektif dari Bapepam-LK melalui Surat Keputusan from Bapepam-LK through Decree Number
Nomor S-5-535/BL/2009 tanggal 24 Juni 2009. S-5-535/BL/2009 dated 24 June 2009.
Dalam penawaran ini dikeluarkan saham baru Perseroan In this offering, 3,021,764,416 new shares of
sebanyak 3.021.764.416 saham dengan nilai nominal the Company were issued with a nominal value of
sebesar Rp100 setiap saham. Setiap pemegang Rp100 per share. Each holder of 1 ordinary share whose
1 saham biasa atas nama yang namanya tercatat dalam name is registered in the Shareholder Register has the
Daftar Pemegang Saham mempunyai hak untuk membeli right to purchase 2 ordinary shares at Rp101 per share.
2 saham biasa dengan harga Rp101 per saham. Bank The Bank simultaneously issued a total of 503,627,403
secara bersamaan menerbitkan sebanyak 503.627.403 Series I Warrants accompanying all shares resulting from
lembar Waran Seri I yang menyertai seluruh saham hasil the exercise of the HMETD with a nominal value
pelaksanaan HMETD dengan nilai nominal sebesar Rp100 of Rp100 per share. A total of 18,206,033 shares
90 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 93
Profil Perusahaan
Company Profile
setiap saham. Sejumlah 18.206.033 lembar saham telah were issued in connection with the exercise of
diterbitkan sehubungan dengan pelaksanaan waran the warrants.
tersebut.
Para Pemegang Saham Bank telah menyetujui untuk The Shareholders of the Bank approved the Limited
melakukan Penawaran Umum Terbatas II disertai dengan Public Offering II accompanied by the issuance
penerbitan Waran dalam rangka HMETD melalui RUPS of Warrants in the framework of HMETD through
Luar Biasa yang diadakan pada tanggal 25 September the Extraordinary GMS held on 25 September
2013 dan telah memperoleh pernyataan efektif dari 2013 and obtained an effective statement from
Otoritas Jasa Keuangan melalui Surat Keputusan Nomor the Financial Services Authority through Decree
S-276/D.04/2013 tanggal 24 September 2013. Dalam Number S-276/D.04/2013 dated 24 September 2013.
penawaran ini dikeluarkan saham baru Bank sebanyak In this offering, 1,846,563,453 new shares of the Bank
1.846.563.453 saham dengan nilai nominal sebesar were issued with a nominal value of Rp100 per share.
Rp100 setiap saham. Setiap pemegang 537 saham Each holder of 537 ordinary shares whose name is
biasa atas nama yang namanya tercatat dalam Daftar registered in the Shareholder Register has the right to
Pemegang Saham mempunyai hak untuk membeli purchase 236 ordinary shares at Rp102 per share.
236 saham biasa dengan harga Rp102 per saham.
Bank secara bersamaan menerbitkan sebanyak The Bank simultaneously issued a total of 1,470,411,587
1.470.411.587 lembar Waran Seri II yang menyertai Series II Warrants accompanying all shares from
seluruh saham hasil pelaksanaan HMETD dengan nilai the exercise of the Pre-emptive Rights with a nominal
nominal sebesar Rp100 setiap saham. Untuk setiap value of Rp100 per share. For every 54 shares exercising
54 saham pelaksanaan HMETD tersebut melekat the Pre-emptive Rights, 43 Warrants Series II are
43 Waran Seri II yang diberikan secara cuma-cuma attached, which are given free of charge as an incentive
sebagai insentif bagi Pemegang Saham Bank dan/atau for the Bank’s Shareholders and/or Pre-emptive Rights
pemegang HMETD yang melaksanakan haknya. holders who exercise their rights.
Waran Seri II adalah efek yang memberikan hak kepada The Series II Warrants are securities that grant
pemegangnya untuk membeli saham yang bernilai their holders the right to purchase shares with
nominal Rp100 yang dapat dilaksanakan selama periode a nominal value of Rp100 per share, exercisable during
pelaksanaan Waran selama 5 tahun, yaitu mulai tanggal the Warrant exercise period of 5 years, from 23 April
23 April 2014 sampai dengan tanggal 8 Oktober 2018, di 2014 to 8 October 2018. Each holder of 1 Warrant is
mana setiap pemegang 1 Waran berhak untuk membeli entitled to purchase 1 Bank share at an exercise price of
1 saham Bank dengan harga pelaksanaan Rp100 per Rp100 per share. The shares resulting from the exercise of
saham. Saham hasil pelaksanaan HMETD dan hasil the HMETD and the Series II Warrants offered through
pelaksanaan Waran Seri II yang ditawarkan melalui this Limited Public Offering II are all shares issued from
Penawaran Umum Terbatas II ini seluruhnya merupakan the Bank’s Portfolio and will be listed on the Indonesia
saham yang dikeluarkan dari Portepel Bank dan akan Stock Exchange.
dicatatkan di Bursa Efek Indonesia.
Para Pemegang Saham Bank telah menyetujui untuk The Shareholders of the Bank approved the Limited Public
melakukan Penawaran Umum Terbatas III disertai dengan Offering III accompanied by the issuance of Warrants
penerbitan Waran dalam rangka HMETD melalui RUPS in the framework of HMETD through the Extraordinary
Luar Biasa yang diadakan pada tanggal 18 Desember GMS held on 18 December 2015 and obtained an
2015 dan telah memperoleh pernyataan efektif dari effective statement from the Financial Services
Otoritas Jasa Keuangan melalui Surat Keputusannya Authority through Decree Number S-620/D.04/2015
Nomor S-620/D.04/2015 tanggal 17 Desember 2015. dated 17 December 2015. In this offering, 632,545,991
Dalam penawaran ini dikeluarkan saham baru Bank new shares of the Bank were issued with a nominal value
sebanyak 632.545.991 saham dengan nilai nominal of Rp100 per share during the period 6–12 January 2016.
sebesar Rp100 saham pada tanggal pelaksanaan
6–12 Januari 2016.
Setiap pemegang 81 saham biasa atas nama yang Each holder of 81 ordinary shares whose name is
namanya tercatat dalam Daftar Pemegang Saham registered in the Shareholder Register has the right to
mempunyai hak untuk membeli 8 saham biasa dengan purchase 8 ordinary shares at Rp102 per share.
harga Rp102 per saham.
2025 Annual Report | PT Bank Capital Indonesia Tbk 91
Page 94
Bank secara bersamaan menerbitkan sebanyak The Bank simultaneously issued a total of 632,545,991 632.545.991 lembar Waran Seri III yang menyertai seluruh Series III Warrants accompanying all shares exercised saham hasil pelaksanaan HMETD dengan nilai nominal from the HMETD with a nominal value of Rp100 per sebesar Rp100 setiap saham. Untuk setiap 8 saham share. For every 8 shares exercising the HMETD, pelaksanaan HMETD tersebut melekat 8 Waran Seri III 8 Warrants Series III are attached, which are given free yang diberikan secara cuma-cuma sebagai insentif bagi of charge as an incentive for the Bank’s Shareholders Pemegang Saham Bank dan/atau pemegang HMETD and/or HMETD holders who exercise their rights. yang melaksanakan haknya. Waran Seri III adalah efek yang memberikan hak kepada The Series III Warrants are securities that entitle pemegangnya untuk membeli saham yang bernilai the holder to purchase shares with a nominal value nominal Rp100 yang dapat dilaksanakan selama periode of Rp100, which can be exercised during the warrant pelaksanaan waran selama 7 tahun, yaitu mulai tanggal exercise period of 7 years starting from 6 July 2016 until 6 Juli 2016 sampai dengan tanggal 1 Desember 2022, di 1 December 2022, where each holder of 1 warrant is mana setiap pemegang 1 waran berhak untuk membeli entitled to purchase 1 share of the Bank at an exercise 1 saham Bank dengan harga pelaksanaan Rp102 per price of Rp102 per share. The shares resulting from saham. Saham hasil pelaksanaan HMETD dan hasil the exercise of HMETD and the exercise of Warrant pelaksanaan Waran Seri III yang ditawarkan melalui Series III offered through Limited Public Offering III Penawaran Umum Terbatas III ini seluruhnya merupakan are entirely issued from the Bank’s portfolio and will be saham yang dikeluarkan dari portepel Bank dan akan listed on the Indonesia Stock Exchange. dicatatkan di Bursa Efek Indonesia. Jumlah saham Bank yang tercatat di Bursa Efek The number of Bank shares listed on the Indonesia Indonesia sebanyak 19.953.024.885 lembar saham dan Stock Exchange amounted to 19,953,024,885 shares 7.078.002.482 lembar saham masing-masing pada and 7,078,002,482 shares as of 31 December 2022 and tanggal 31 Desember 2022 dan 31 Desember 2021. 31 December 2021, respectively. Meanwhile, the number Sedangkan, jumlah Waran sebanyak nihil lembar pada of Warrants as of 31 December 2022 was zero, and tanggal 31 Desember 2022 dan 623.535.728 lembar 623,535,728 as of 31 December 2021. masing-masing pada tanggal 31 Desember 2021. 92 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 95
Profil Perusahaan
Company Profile
Kronologi Pencatatan Efek Lainnya
Chronology of Other Securities Listing
Peringkat
Tanggal Efektif Bursa
Tingkat Saat Status
dan Tanggal Jatuh Jumlah Obligasi Peringkat Pencatatan
Uraian Bunga Diterbitkan Pembayaran
Tempo Total Bonds Terakhir Obligasi
Description Interest Rate Rating at Payment
Effective Date and (Rp) Last Rating Bond Listing
(%) Time of Status
Maturity Date Exchange
Issue
Obligasi
Subordinasi Bank 31 Desember 2014- Bursa Efek
Capital I 13 Januari 2022 Indonesia
Lunas
200.000.000.000 12 idBBB- idBBB- Indonesia
Bank Capital 31 December 2014- Paid off
Stock
Subordinated 13 January 2022 Exchange
Bonds I
Obligasi
Subordinasi Bank 31 Desember 2015- Bursa Efek
Capital II 15 Januari 2023 Indonesia
Lunas
250.000.000.000 12 idBBB- idBBB- Indonesia
Bank Capital 31 December 2015- Paid off
Stock
Subordinated 15 January 2023 Exchange
Bonds II
Obligasi
Subordinasi Bank 22 Juni 2017- Bursa Efek
Capital III 11 Juli 2024 Indonesia
Lunas
250.000.000.000 12 idBBB- idBBB- Indonesia
Bank Capital 22 June 2017- Paid off
Stock
Subordinated 11 July 2024 Exchange
Bonds III
Informasi Penggunaan Jasa Akuntan Publik
dan Kantor Akuntan Publik
Information on the Use of Public Accountant and
Public Accounting Firm Services
Nama Kantor Akuntan Publik Alamat
Name of Public Accounting Firm Address
KAP Suharli, Sugiharto & Rekan UOB Plaza Lt. 34
Anggota Jaringan dari SW Indonesia Jl. MH Thamrin Kav. 8-10
Nico Hernando Novianto, CPA Jakarta 10230
KAP Suharli, Sugiharto & Rekan Telepon / Telephone : 021 2993 2132
Member of SW Indonesia Network Faksimile / Facsimile : 021 2993 2172
Nico Hernando Novianto, CPA Situs Web / Email : sw-indonesia.com
2025 Annual Report | PT Bank Capital Indonesia Tbk 93
Page 96
Jasa yang Diberikan Biaya Jasa Periode Penugasan
Services Rendered Service Fee Assignment Period
Audit : Laporan Keuangan Bank Capital yang terdiri dari laporan Audit : Rp800.000.000,- 2025
posisi keuangan tanggal 31 Desember 2025 serta Non-Audit : Tidak ada
laporan laba rugi dan penghasilan komprehensif lain, None
laporan perubahan ekuitas, dan laporan arus kas untuk
tahun yang berakhir pada tanggal tersebut, serta catatan
atas laporan keuangan, termasuk informasi kebijakan
akuntansi material
The Financial Statements of Bank Capital consist
of the statement of financial position as of
31 December 2025, as well as the statement of profit
or loss and other comprehensive income, statement
of changes in equity, and statement of cash flows
for the year ended on the date, as well as notes to
the financial statements, including information on
material accounting policy.
Non-Audit : Tidak ada
None
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professions
Uraian Nama Alamat
Description Name Address
Menara Tekno Lt. 7
Jl. Fachrudin Nomor 19
Biro Administrasi Efek
PT Sinartama Gunita Jakarta Pusat 10250
Shares Registrar
Telepon / Telephone : 021 392 2332
Faksimile / Facsimile : 021 392 3003
Gedung Bursa Efek Indonesia Tower 1
Pencatatan Efek Bursa Efek Indonesia Jl. Jend. Sudirman Kav. 52-53
Securities Listing Indonesia Stock Exchange Jakarta Selatan 12190
Telepon / Telephone : 150515
Gandaria City
Gandaria 8 Office Tower Lt. 12 Unit B
Notaris Jl. Sultan Iskandar Muda
Mahendra Adinegara, SH, Mkn
Notary Jakarta Selatan 12240
Telepon / Telephone : 021 2903 6446
Faksimile / Facsimile : 021 2930 3848
Gedung Wisma Bumiputera Lt. 15
Jl. Jend. Sudirman Kav. 75
Konsultan Hukum
Adams & Co Jakarta 12910
Legal Consultant
Telepon / Telephone : 021 573 1873
Faksimile / Facsimile : 021 573 1872
Equity Tower Lt. 30
Sudirman Central Business District
Pemeringkat Efek Jl. Jend. Sudirman Kav. 52-53
PT Pemeringkat Efek Indonesia
Credit Ratings Company Jakarta Selatan 12190
Telepon / Telephone : 021 5096 8469
Faksimile / Facsimile : 021 5096 8468
Gedung Bursa Efek Indonesia
Tower 1, Lt. 5
Kustodian Sentral Efek PT Kustodian Sentral Efek Jl. Jend. Sudirman Kav. 52-53
Central Securities Depository Indonesia Jakarta Selatan 12190
Telepon / Telephone : 021 515 2855
Faksimile / Facsimile : 021 5299 1199
94 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 97
Profil Perusahaan
Company Profile
2025 Annual Report | PT Bank Capital Indonesia Tbk 95
Page 98
Analisis dan Pembahasan Manajemen Management Discussion and Analysis 96 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 99
2025 Annual Report | PT Bank Capital Indonesia Tbk 97
Page 100
Tinjauan Ekonomi Economic Review Sepanjang tahun 2025, perekonomian global berada Throughout 2025, the global economy remained in dalam fase moderasi pertumbuhan yang dipengaruhi a phase of moderated growth, influenced by increasing oleh meningkatnya ketidakpastian geopolitik serta geopolitical uncertainty as well as shifts in international perubahan arah kebijakan perdagangan internasional. trade policies. Ongoing conflicts in Eastern Europe Konflik yang masih berlangsung di kawasan Eropa and Middle East further deepened global economic Timur dan Timur Tengah turut memperdalam fragmentation, while the trend of protectionism, fragmentasi ekonomi global, sementara kecenderungan including imposition of tariff policy by the United States proteksionisme, termasuk penerapan kebijakan against its several strategic trading partners, added tarif oleh Amerika Serikat terhadap sejumlah mitra pressure to global trade flows. These conditions have dagang strategis, menambah tekanan terhadap arus led to increased volatility in global financial markets as perdagangan dunia. Situasi tersebut berdampak pada well as dampened business and consumer sentiment. meningkatnya volatilitas pasar keuangan global serta tertahannya sentimen pelaku usaha dan konsumen. Dalam konteks tersebut, pertumbuhan ekonomi global In this context, global economic growth was estimated diperkirakan berada pada kisaran 3,3% dengan tingkat to be around 3.3% range, with inflation of approximately inflasi sekitar 3,9%, yang menunjukkan proses penurunan 3.9%, indicating the disinflation process has went more inflasi berlangsung lebih gradual dari ekspektasi. Amerika gradually than initially expected. The United States Serikat mencatat pertumbuhan sebesar 2,1%, sementara recorded 2.1% growth, while European region growth kawasan Eropa tumbuh sebesar 1,3% didukung oleh by 1.3%, backed by stimulus policies and recovering kebijakan stimulus dan pemulihan konsumsi. Di sisi lain, consumption. Meanwhile, China’s economy experienced ekonomi Tiongkok mengalami perlambatan menjadi a slowdown to around 4.4% amidst the weakening export sekitar 4,4% seiring melemahnya kinerja ekspor, performance, despite the resilience of the technology meskipun sektor teknologi tetap menunjukkan resiliensi. sector. The ASEAN-5 region maintained stable growth Kawasan ASEAN-5 mempertahankan stabilitas at around 4.4%, supported by relatively strong domestic pertumbuhan di kisaran 4,4%, yang didukung oleh demand. permintaan domestik yang relatif kuat. Di tengah dinamika global tersebut, perekonomian Amidst the global dynamics, Indonesia’s economy Indonesia tetap menunjukkan kinerja yang resilien. continued to show resilient performance. National Pertumbuhan ekonomi nasional tercatat sebesar 5,1% economic growth was recorded at 5.1%, with inflation dengan inflasi yang terjaga pada level 2,9%. Nilai Produk maintained at 2.9%. Gross Domestic Product (GDP) Domestik Bruto (PDB) atas dasar harga berlaku mencapai at current prices reached Rp23,821.1 trillion, with GDP Rp23.821,1 triliun, dengan PDB per kapita sebesar per capita of Rp83.7 million. This stability reflects Rp83,7 juta. Stabilitas ini mencerminkan efektivitas the effectiveness of fiscal and monetary policy mix in bauran kebijakan fiskal dan moneter dalam menjaga sustaining domestic economic resilience while driving daya tahan ekonomi domestik sekaligus mendorong the growth momentum forward. momentum pertumbuhan. Dari sisi permintaan, konsumsi rumah tangga tetap In terms of demand, household consumption remained menjadi kontributor utama dengan pertumbuhan as primary contributor, with 4.98% growth in line with sebesar 4,98%, sejalan dengan terjaganya daya beli sustained purchasing power. Improvement is also masyarakat. Investasi juga menunjukkan peningkatan evident in investment, as reflected in the growth of yang tercermin dari pertumbuhan Pembentukan Modal Gross Fixed Capital Formation (GFCF) and continuation Tetap Bruto (PMTB) serta berlanjutnya proyek-proyek of national strategic projects. In terms of production, strategis nasional. Dari sisi produksi, sektor manufaktur the manufacturing sector recorded 5.3% growth, with mencatat pertumbuhan sebesar 5,3% dengan indeks Purchasing Managers’ Index (PMI) at an expansionary Purchasing Managers’ Index (PMI) yang berada pada level of 51.2. The performance of external sector 98 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 101
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
level ekspansif sebesar 51,2. Kinerja sektor eksternal remained positive, with USD41.1 billion trade surplus,
tetap positif dengan surplus neraca perdagangan driven by continued strong export performance.
sebesar USD41,1 miliar, didorong oleh kinerja ekspor
yang tetap kuat.
Selain itu, stabilitas sektor keuangan nasional turut In addition, the stability of national financial
memperkuat fondasi pertumbuhan ekonomi. Indeks sector further strengthened the foundation of
Harga Saham Gabungan (IHSG) mencatatkan economic growth. The Composite Stock Price Index
penguatan hingga mencapai level 8.644,3 dengan (IDX Composite) is strengthening to reach 8,644.3, with
kapitalisasi pasar sebesar Rp15.810 triliun. Realisasi market capitalization of Rp15,810 trillion. Investment
investasi tumbuh sebesar 12,7%, yang ditopang oleh realization grew by 12.7%, backed by Foreign Direct
Penanaman Modal Asing (PMA) sebesar Rp900,9 triliun Investment (FDI) of Rp900.9 trillion and Domestic Direct
dan Penanaman Modal Dalam Negeri (PMDN) sebesar Investment (DDI) of Rp1,030.3 trillion. Banking credit
Rp1.030,3 triliun. Pertumbuhan kredit perbankan growth remained solid, coupled with the acceleration
yang tetap solid, serta percepatan digitalisasi sistem of payment system digitalization, continued to support
pembayaran, terus mendukung pembiayaan sektor financing of productive sectors and promote sustainable
produktif dan mendorong peningkatan inklusi keuangan financial inclusion.
secara berkelanjutan.
Sumber: Sources:
• Bank Indonesia: Laporan Perekonomian Indonesia 2025. • Bank Indonesia: 2025 Indonesian Economic Report.
• Badan Pusat Statistik RI: Ekonomi Indonesia Tahun 2025 Tumbuh 5,11 Persen. • Statistics Indonesia (BPS): Indonesia Economy Grew 5.11 Percent in 2025.
• Bank Indonesia: Analisis Inflasi Desember 2025. • Bank Indonesia: December 2025 Inflation Analysis.
• Siaran Pers Kementerian Keuangan RI:Ekonomi Indonesia 2025 Kuat, Didorong • Press Release of Ministry of Finance of the Republic of Indonesia: Strong
Tingginya Investasi dan Ekspor serta Akselerasi Belanja Pemerintah. Indonesian Economy in 2025, Driven by High Investment and Export as well as
Accelerated Government Spending.
• Media Keuangan Kementerian Keuangan RI: Perjalanan Ekonomi Indonesia • Media Keuangan: Indonesian Economic Journey in 2025: A Challenging Year in
2025: Hadapi Tahun Penuh Tekanan Hingga Kembali Pulihkan Kepercayaan. Restoring Faith.
• Badan Pusat Statistik RI: Ekspor dan Impor Indonesia Desember 2025 • Statistics Indonesia (BPS): Indonesia Export and Import in December 2025
Masing-Masing Tercatat USD26,35 Miliar dan USD23,83 Miliar. Were Recorded at USD26.35 Billion and USD23.83 Billion, Respectively.
• AKSes KSEI: IHSG Naik 22,1 Persen Sepanjang 2025, Kapitalisasi Pasar Tembus • AKSes KSEI: IDX Composite (IHSG) Jumped 22.1 Percent Throughout 2025,
Rp15.810 Triliun. Market Capitalization Well Over Rp15,810 Trillion.
• Kementerian Investasi dan Hilirisasi/BKPM: Realisasi Investasi 2025 Lampaui • Ministry of Investment and Downstream /BKPM: 2025 Investment Realization
Target, Hilirisasi Melompat 43,3 Persen. Exceeds Targets, Downstream Jumped 43.3 Percent.
Tinjauan Industri
Industrial Review
Sepanjang tahun 2025, industri perbankan nasional Throughout 2025, the national banking industry showed
menunjukkan kinerja yang baik dengan fungsi solid performance, with improving intermediation
intermediasi yang terus membaik serta profil risiko yang function and well-maintained risk profile. Credit growth
tetap terjaga. Pertumbuhan kredit tercatat meningkat was recorded to increase by 9.46% year-on-year (yoy)
menjadi 9,46% secara tahunan (year-on-year/yoy) pada as of December 2025, reaching Rp8,693 trillion. This
Desember 2025, mencapai Rp8.693 triliun. Peningkatan increase reflects improving financing demand as well as
ini mencerminkan membaiknya permintaan pembiayaan rising business confidence.
serta meningkatnya kepercayaan dunia usaha.
Berdasarkan jenis penggunaan, pertumbuhan kredit Based on type of use, the credit growth was primarily
didorong terutama oleh kredit investasi yang tumbuh driven by investment loans, that grew significantly by
signifikan sebesar 20,81%, mencerminkan peningkatan 20.81%, reflecting increases in the business expansion
aktivitas ekspansi usaha. Kredit konsumsi turut activities. Consumer loans also grew by 6.58% in line with
tumbuh sebesar 6,58%, sejalan dengan terjaganya sustained purchasing power, while working capital loans
daya beli masyarakat, sementara kredit modal kerja increased by 4.52%. In terms of ownership, state-owned
tumbuh sebesar 4,52%. Dari sisi kepemilikan, bank banks recorded credit growth of 11.61% yoy, while based
2025 Annual Report | PT Bank Capital Indonesia Tbk 99
Page 102
BUMN mencatat pertumbuhan kredit sebesar 11,61% on debtor category, corporate loans grew by 15.44%,
yoy, sedangkan berdasarkan kategori debitur, kredit showcasing the important role of the business sector in
korporasi tumbuh sebesar 15,44%, menunjukkan peran supporting economic growth.
penting sektor usaha dalam mendorong pertumbuhan
ekonomi.
Di sisi pendanaan, Dana Pihak Ketiga (DPK) tumbuh kuat In terms of funding, Third Party Funds (DPK) grew
sebesar 13,81% yoy menjadi Rp10.057 triliun, didukung strongly by 13.81% yoy to Rp10,057 trillion, backed
oleh pertumbuhan giro sebesar 19,13%, deposito by growth in current account of 19.13%, deposits
14,28%, dan tabungan 8,19% yoy. Kinerja penghimpunan of 14.28%, and savings of 8.19% yoy. This positive
dana yang positif ini turut memperkuat likuiditas industri fund-raising performance further strengthened
perbankan, dengan rasio Alat Likuid terhadap Non-Core the liquidity of the banking industry, with Liquid Assets
Deposit (AL/NCD) sebesar 126,15% dan Alat Likuid to Non-Core Deposit (AL/NCD) ratio of 126.15% and
terhadap Dana Pihak Ketiga (AL/DPK) sebesar 28,57%, Liquid Assets to Third-Party Funds (AL/DPK) ratio of
yang masih jauh di atas ambang batas ketentuan. 28.57%, both well above the regulatory thresholds.
Liquidity Coverage Ratio (LCR) juga terjaga tinggi pada Liquidity Coverage Ratio (LCR) also remained high
level 200,97%. at 200.97%.
Kualitas aset industri perbankan tetap terkendali dengan Asset quality in banking industry remained under
rasio kredit bermasalah (Non-Performing Loan/NPL) control, with gross Non-Performing Loan (NPL) ratio of
gross sebesar 2,05% dan NPL net sebesar 0,79%, serta 2.05% and net NPL ratio of 0.79%, while Loan at Risk
Loan at Risk (LaR) yang menurun menjadi 8,77%. Dari (LaR) ratio declined to 8.77%. In terms of profitability,
sisi profitabilitas, industri perbankan mencatatkan the banking industry recorded a Return on Assets (ROA)
Return on Assets (ROA) sebesar 2,53%, sementara of 2.53%, while Capital Adequacy Ratio (CAR) remained
rasio kecukupan modal (Capital Adequacy Ratio/CAR) strong at 25.89%, reflecting the resilience of banking
tetap kuat pada level 25,89%, mencerminkan ketahanan sector in facing various risks.
perbankan dalam menghadapi berbagai risiko.
Di sisi inovasi produk, kredit berbasis digital seperti In terms of product innovation, digital-based loans such
Buy Now Pay Later (BNPL) terus berkembang, dengan as Buy Now Pay Later (BNPL) continued to grow, with
baki debet mencapai Rp26,4 triliun atau tumbuh debit balance reaching Rp26.4 trillion, or increasing
19,32% yoy, meskipun porsinya terhadap total kredit by 19.32% yoy, despite the relatively small portion to
masih relatif kecil sebesar 0,31%. Hal ini menunjukkan total loans at 0.31%. It indicates bigger development
potensi pengembangan layanan keuangan digital yang potentials for digital financial services.
semakin luas.
Dalam aspek pengawasan dan perlindungan konsumen, In terms of supervisory and consumer protection
otoritas juga terus memperkuat penegakan regulasi. perspective, authorities also strengthening
Otoritas Jasa Keuangan melakukan pencabutan izin the regulatory enforcement. The Financial Services
usaha terhadap salah satu BPR serta meningkatkan Authority revoked the business license of a rural bank
upaya pemberantasan aktivitas keuangan ilegal, (BPR) and intensified efforts to combat illegal financial
termasuk judi online, melalui pemblokiran lebih dari activities, including online gambling, by blocking more
32 ribu rekening serta penerapan Enhanced Due than 32 thousand accounts, coupled with implementation
Diligence (EDD) oleh perbankan. of Enhanced Due Diligence (EDD) by banks.
Bank Umum
KBMI 2
General Bank
Uraian Description
2025 2024 2025 2024
Kinerja Keuangan (dalam miliar Rupiah) / Financial Performance (in millions of Rupiah)
Aset 13.646.417 12.460.955 1.600.990 1.674.828 Assets
DPK 10.057.542 8.837.242 992.975 1.048.891 TPF
100 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Bank Umum
KBMI 2
General Bank
Uraian Description
2025 2024 2025 2024
Kredit 8.693.971 7.942.947 862.683 935.037 Loans
Rasio Keuangan (dalam %) / Financial Ratios (in %)
Net Interest Margin (NIM) 4,72 4,62 5,11 4,34 Net Interest Margin (NIM)
Return on Assets (ROA) 2,53 2,69 2,07 1,95 Return on Assets (ROA)
Loan to Deposits Ratio (LDR) 85,37 88,57 83,06 84,91 Loan to Deposits Ratio (LDR)
Capital Adequacy Ratio (CAR) 25,89 26,69 41,45 37,79 Capital Adequacy Ratio (CAR)
Beban Operasional Pendapatan Operating Expenses to
72,96 81,30 78,31 93,81
Operasional (BOPO) Operating Income (BOPO)
Dalam konteks kelompok bank berdasarkan modal In the context of banks based on core capital, KBMI
inti, perbankan KBMI 2 yang terdiri dari bank dengan 2 banks, consisting of banks with core capital from
modal inti Rp6 triliun hingga Rp14 triliun menunjukkan Rp6 trillion to Rp14 trillion showed relatively
kinerja yang cukup terjaga sepanjang tahun 2025. Hal well-maintained performance throughout 2025.
ini tercermin dari rasio profitabilitas (ROA) sebesar This is reflected in Return on Assets (ROA) ratio of
2,07%, yang menunjukkan kemampuan bank dalam 2.07%, showing the banks’ capability to generate
menghasilkan laba tetap terjaga. Dari sisi permodalan, profits remained well maintained. In terms of capital,
CAR tercatat pada level 41,45%, sehingga memberikan the CAR was recorded at 41.45%, giving a strong
bantalan yang memadai dalam menghadapi risiko buffer to face risks while having a sufficient room for
sekaligus ruang yang cukup untuk ekspansi usaha. business expansion. Meanwhile, liquidity remained
Sementara itu, likuiditas berada pada level yang terjaga at a sound level, with a LDR of 83.06%, reflecting a fairly
dengan LDR sebesar 83,06%, mencerminkan fungsi well-functioning intermediation role.
intermediasi yang berjalan dengan cukup baik.
Di sisi lain, rasio BOPO sebesar 78,31% menunjukkan Meanwhile, the Operating Expenses to Operating
tingkat efisiensi yang relatif cukup baik, meskipun masih Income (BOPO) ratio of 78.31% means a relatively
terdapat ruang untuk peningkatan melalui pengendalian adequate efficiency level, although there is room for
beban operasional yang lebih optimal. Secara improvement through more optimal cost control.
keseluruhan, kinerja keuangan bank KBMI 2 pada tahun Overall, the financial performance of KBMI 2 banks in
2025 mencerminkan fundamental yang baik, didukung 2025 showed solid fundamentals, supported by very
oleh permodalan yang sangat memadai, likuiditas yang adequate capital, well-maintained liquidity, as well as
terjaga, serta profitabilitas yang stabil, dengan tetap stable profitability, while continuing to be accompanied
diiringi upaya peningkatan efisiensi operasional. by efforts to improve operational efficiency.
Sumber: Sources:
• Portal Data Otoritas Jasa Keuangan: Dataset Industri Bank Umum. • Financial Services Authority Data Portal: Commercial Banks Dataset.
• Siaran Pers Otoritas Jasa Keuangan: Kebijakan OJK Menjaga Sektor • Press Release of Financial Services Authority: OJK Policies in Maintaining
Jasa Keuangan Semakin Mendukung Program Prioritas Pemerintah. Financial Services Sector Increasingly Supporting Government Priority
Programs.
2025 Annual Report | PT Bank Capital Indonesia Tbk 101
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Tinjauan Operasional
Operational Review
Strategi Pengembangan Layanan Service and Network
dan Jaringan Development Strategies
Sebagai bagian dari komitmen dalam memberikan As part of its commitment to delivering excellent
layanan yang prima, Bank Capital menempatkan service, Bank Capital places service quality
peningkatan kualitas layanan dan kemudahan akses enhancement and ease of access for customers as top
bagi nasabah sebagai prioritas utama. Pada tahun 2025, priorities. In 2025, Bank Capital implemented various
Bank Capital menjalankan berbagai inisiatif strategis strategic initiatives focused on service modernization,
yang difokuskan pada modernisasi layanan, optimalisasi network optimization, and improvement of operational
jaringan, serta peningkatan efisiensi operasional. Upaya efficiency. These efforts were aimed at strengthening
tersebut ditujukan untuk memperkuat daya saing competitiveness while creating a banking experience
sekaligus menciptakan pengalaman perbankan yang that is adaptive to customer needs in the digital era.
adaptif terhadap kebutuhan nasabah di era digital. The strategies implemented include, among others:
Adapun strategi yang dilaksanakan antara lain mencakup:
1. Optimalisasi Aktiva Produktif dan Efisiensi 1. Optimization of Productive Assets and Fund
Pengelolaan Dana Efficiency of Fund Management
Bank Capital terus berupaya meningkatkan aktiva Bank Capital continues to enhance its productive
produktif serta mengendalikan tingkat suku bunga assets and control competitive interest rates on
DPK agar tetap kompetitif. Dalam ekspansi kredit, third-party funds (DPK). In the loans expansion, the
Bank tetap fokus pada segmen korporasi, ritel, Bank remains focused on corporate, retail, as well
serta sektor lainnya, termasuk kredit pensiun, guna as other sectors, including pension loan, to support
mendukung pertumbuhan portofolio pembiayaan the sound and sustainable financing portfolio
yang sehat dan berkelanjutan. growth.
2. Pengembangan Layanan Perbankan Digital Sejalan 2. Development of Digital Banking Services In Line with
dengan Tren Digitalisasi Digitalization Trends
Bank Capital terus meningkatkan layanan digital Bank Capital continuously enhancing its digital
banking dengan berbagai inovasi, antara lain: banking services with various innovations, including:
a. Tarik tunai di merchant guna memperluas akses a. Merchant cash withdrawal to expand access to
tarik tunai melalui mitra usaha. cash withdrawal through business partners.
b. Tarik tunai tanpa kartu di jaringan ATM Prima b. Cardless cash withdrawal at ATM Prima for easier
untuk mempermudah transaksi melalui platform transaction through digital platform.
digital.
c. Transaksi transfer valas di mobile banking untuk c. Foreign exchange transfer on mobile banking for
memberi kemudahan bertransaksi valas. easier foreign exchange transactions.
d. Pengembangan fitur Internet Banking Bisnis d. Development of Internet Banking for Business to
untuk mendukung kebutuhan transaksi perbankan support corporate banking transaction needs.
korporasi.
e. Pengembangan open banking melalui e. Development of open banking through
Application Programming Interface (API) guna Application Programming Interface (API) to
memperluas ekosistem digital melalui integrasi expand the digital ecosystem through integration
dengan mitra fintech dan e-commerce. with fintech and e-commerce partners.
f. Partnership cross selling, yaitu kerja sama f. Partnership cross selling, a strategic cooperation
strategis untuk menawarkan produk dan layanan to offer financial products and services to
keuangan kepada nasabah potensial. potential customers.
g. Pengembangan Mobile Banking Generation 2, g. Development of Mobile Banking Generation
yang menghadirkan berbagai fitur baru guna 2, offering various new features to enhance
meningkatkan kenyamanan dan kemudahan customer convenience when conducting
transaksi perbankan bagi nasabah. banking transactions.
102 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Strategi Pemasaran dan Rencana Marketing Strategy and Development
Pengembangan di Tahun 2026 Plan for 2026
Menghadapi tahun 2026, Bank Capital menegaskan Entering 2026, Bank Capital reaffirms its commitment
komitmen untuk terus berkembang seiring dengan to continue growing in line with the dynamics of
dinamika industri jasa keuangan yang penuh tantangan. the highly challenging financial services industry. Bank
Bank Capital menempatkan inovasi, transformasi digital, Capital places innovation, digital transformation, and
dan peningkatan kualitas layanan sebagai pilar utama service quality improvement as the main pillars of its
dalam strategi pengembangan. Arah kebijakan ini development strategy. This policy direction is designed
dirancang untuk memperkuat daya saing, meningkatkan to strengthen competitiveness, enhance customer trust
kepercayaan dan kepuasan nasabah, serta memperluas and satisfaction, and expand access to banking services.
akses layanan perbankan. Sehubungan dengan itu, Bank In this regard, Bank Capital has prepared a number of
Capital telah menyiapkan sejumlah langkah strategis strategic initiatives to be implemented, including:
yang akan diimplementasikan, antara lain:
1. Memperkuat portofolio kredit pada sektor-sektor 1. Strengthening the credit portfolio in selected
komersial tertentu yang dikuasai serta memiliki commercial sectors of expertise and having a sound
prospek usaha dan kualitas yang baik, dengan tetap business prospects and quality, while maintaining
mengedepankan prinsip kehati-hatian. prudent principles.
2. Meningkatkan portofolio kredit pensiun serta 2. Increasing the pension loan portfolio and enhancing
memperluas kerja sama dengan mitra dan ekosistem partnerships with third-party partners and
pihak ketiga. ecosystems.
3. Menjaga likuiditas dan mengoptimalkan 3. Maintaining liquidity and keep optimizing
penghimpunan DPK. the sources of third-party funds (DPK).
4. Memperkuat jaringan kantor di luar kota untuk 4. Expanding the branch network outside urban areas
memperluas jangkauan layanan. to broaden service reach.
5. Meningkatkan kualitas produk dan layanan guna 5. Enhancing product and service quality to provide
memberikan kemudahan serta pengalaman transaksi greater convenience and a better customer
nasabah yang lebih baik di era digital. transaction experience in the digital era.
6. Penguatan tata kelola, manajemen risiko, dan 6. Strengthening the governance, risk management,
kepatuhan (termasuk APU/PPT). and compliance (including AML/CTF).
7. Meningkatkan dan mengembangkan kompetensi 7. Enhancing and developing both the competence
serta kualitas sumber daya manusia. and quality of human resources.
Pangsa Pasar Market Share
Dalam 2 tahun terakhir, industri perbankan nasional Over the past 2 years, the national banking industry
menghadapi persaingan yang semakin intensif seiring has faced increasingly intense competition amid
dengan perubahan regulasi, percepatan digitalisasi, regulatory changes, accelerated digitalization, and
serta meningkatnya ekspektasi nasabah. Sebagai rising customer expectations. In response, Bank Capital
respons, Bank Capital memperkuat strategi bisnis, has strengthened its business strategy, developed
mengembangkan produk, dan meningkatkan inovasi products, and enhanced digital service innovation to
layanan digital untuk mempertahankan serta memperluas maintain and expand its market share. Information on
pangsa pasar. Informasi terkait perkembangan pangsa the development of Bank Capital’s market share over
pasar Bank Capital dalam 2 tahun terakhir ditunjukkan the past 2 years is presented as follows:
sebagai berikut:
(dalam miliar Rupiah / in billion Rupiah)
2025 2024
Uraian
Description Aset Kredit DPK Aset Kredit DPK
Assets Loans TPF Assets Loans TPF
Bank Umum Konvensional
13.646.417 8.693.971 10.057.542 12.460.955 7.942.947 8.837.242
Conventional Commercial Banks
2025 Annual Report | PT Bank Capital Indonesia Tbk 103
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(dalam miliar Rupiah / in billion Rupiah)
2025 2024
Uraian
Description Aset Kredit DPK Aset Kredit DPK
Assets Loans TPF Assets Loans TPF
Kelompok Bank berdasarkan
Modal Inti 2
1.600.990 862.683 992.975 1.674.828 935.037 1.048.891
Commercial Banks Group based on
Core Capital 2
Bank Capital 28.038 11.036 18.254 22.591 7.795 12.572
Pangsa Pasar terhadap Bank Umum
Konvensional (%)
0,21 0,13 0,18 0,18 0,10 0,14
Market Share of Conventional
Commercial Banks (%)
Pangsa Pasar terhadap Kelompok
Bank berdasarkan Modal Inti 2 (%)
1,75 1,28 1,84 1,35 0,83 1,20
Market Share of Commercial Banks
Group based on Core Capital 2 (%)
Suku Bunga Dasar Bank Prime Lending Rate
Sebagai wujud penerapan prinsip keterbukaan As part of the implementation of the principle of
informasi, Bank Capital secara konsisten memublikasikan information transparency, Bank Capital consistently
Suku Bunga Dasar Kredit (SBDK) dalam mata uang publishes the Base Lending Rate (SBDK) in Rupiah. This
Rupiah. Praktik ini dilaksanakan sesuai dengan practice is carried out in accordance with the provisions
ketentuan Peraturan Otoritas Jasa Keuangan Nomor of Financial Services Authority Regulation Number
37/POJK.03/2019 tentang Transparansi dan Publikasi 37/POJK.03/2019 on Transparency and Publication of
Laporan Bank serta Surat Edaran Otoritas Jasa Keuangan Bank Reports and Financial Services Authority Circular
Nomor 9/SEOJK.03/2020 tentang Transparansi dan Letter Number 9/SEOJK.03/2020 on Transparency and
Publikasi Laporan Bank Umum Konvensional. Publication of Conventional Commercial Bank Reports.
SBDK berperan sebagai referensi awal dalam penetapan The SBDK serves as an initial reference in determining
suku bunga kredit yang diberikan kepada nasabah. Namun lending interest rates extended to customers.
demikian, angka SBDK tidak mencakup komponen However, the SBDK does not include the risk premium
premi risiko, yang besarannya ditetapkan berdasarkan component, the amount of which is determined based
penilaian terhadap profil risiko masing-masing debitur on an assessment of the risk profile of each debtor or
atau kelompok debitur. Dengan demikian, suku bunga group of debtors. Accordingly, the lending interest
kredit yang berlaku bagi setiap nasabah dapat bervariasi rate applicable to each customer may vary in line with
sesuai dengan kebijakan internal Bank, tingkat risiko the Bank’s internal policies, the debtor’s risk level, and
debitur, serta kondisi pasar yang relevan. prevailing market conditions.
Untuk menjaga keselarasan dengan perkembangan To maintain alignment with economic developments
ekonomi dan kebijakan moneter, Bank Capital secara and monetary policy, Bank Capital periodically reviews
berkala melakukan peninjauan dan penyesuaian SBDK and adjusts the SBDK by taking into account changes
dengan mempertimbangkan perubahan suku bunga in benchmark interest rates, the level of competition
acuan, tingkat persaingan industri perbankan, dan faktor in the banking industry, and other macroeconomic
makroekonomi lainnya. Sebagai bentuk keterbukaan, factors. As a form of transparency, the publication of
publikasi SBDK disediakan melalui jaringan kantor the SBDK is made available through the branch office
cabang, layanan customer service, serta situs web resmi network, customer service channels, and the Bank’s
Bank. Rincian SBDK yang berlaku sebagai berikut: official website. The details of the applicable SBDK are
as follows:
104 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tingkat Suku Bunga Dasar Kredit Rupiah berdasarkan Segmen Bisnis per Tahun
Rupiah Basic Lending Rate by Business Segment per Year
(dalam % / in %)
Uraian 2025 2024 Description
Kredit Korporasi 8,61 10,40 Corporate Loans
Kredit Ritel 8,64 10,46 Retail Loans
Kredit Mikro 8,64 10,46 Micro Loans
Kredit Konsumsi Consumption Loans
KPR 8,64 10,46 Housing Loan
Non-KPR 8,64 10,46 Non-Housing Loan
Tingkat Suku Bunga Pinjaman Rata-Rata Setahun
Annual Average Borrowing Interest Rate
(dalam % / in %)
Uraian 2025 2024 Description
Rupiah 8,42 10,39 Rupiah
Dolar Amerika Serikat - - United States Dollar
Kinerja Operasional Operational Performance
Produk Simpanan Savings Products
Bank Capital menyediakan berbagai pilihan produk Bank Capital offers a range of deposit products
simpanan yang dirancang untuk menjawab kebutuhan designed to meet the financial needs of both individual
keuangan nasabah, baik perorangan maupun institusi. and institutional customers. Each product is developed
Setiap produk dikembangkan dengan karakteristik dan with its own characteristics and advantages, providing
keunggulan tersendiri sehingga memberikan fleksibilitas customers with flexibility in selecting the deposit
bagi nasabah dalam menentukan instrumen simpanan instrument that best suits their financial objectives.
yang paling sesuai dengan tujuan finansialnya.
Sebagai wujud komitmen dalam menghadirkan layanan As part of its commitment to delivering modern,
perbankan yang modern, aman, dan kompetitif, Bank secure, and competitive banking services, Bank Capital
Capital senantiasa melakukan inovasi produk dengan continuously innovates its products by giving due
memperhatikan aspek kenyamanan, keamanan, serta consideration to aspects of convenience, security, and
kemudahan akses. Upaya ini bertujuan untuk memastikan ease of access. These efforts are aimed at ensuring that
bahwa setiap solusi simpanan mampu memberikan nilai each deposit solution delivers added value to customers
tambah bagi nasabah sekaligus memperkuat loyalitas while strengthening long-term loyalty.
jangka panjang.
Dalam 2 tahun terakhir, kinerja produk simpanan Over 2 past two years, the performance of deposit
menunjukkan tren pertumbuhan yang positif, seiring products has shown a positive growth trend, in line
dengan meningkatnya kepercayaan masyarakat with increasing public confidence in Bank Capital as
terhadap Bank Capital sebagai mitra perbankan yang a reliable banking partner. Details of the performance
dapat diandalkan. Rincian capaian kinerja produk achievements of deposit products during this period
simpanan selama periode tersebut adalah sebagai are as follows:
berikut:
2025 Annual Report | PT Bank Capital Indonesia Tbk 105
Page 108
Jumlah Dana Pihak Ketiga
Total of Third Party Funds
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
2025 2024 Pertumbuhan
(Penurunan)
Uraian Increase Description
Rp % Rp % (Decrease)
%
Giro 2.593.716 14,21 2.012.703 16,01 28,87 Current Account
Tabungan 4.364.995 23,91 3.508.919 27,91 24,40 Savings
Deposito Berjangka 11.295.307 61,88 7.050.639 56,08 60,20 Time Deposits
Jumlah 18.254.018 100,00 12.572.261 100,00 45,19 Total
Pada tahun 2025, DPK yang berhasil dihimpun Bank In 2025, third party funds mobilized by Bank Capital
Capital tercatat sebesar Rp18,25 triliun. Angka amounted to Rp18.25 trillion. This figure represents
tersebut menunjukkan pertumbuhan sebesar a growth of 45.19% compared to the previous year’s
45,19% dibandingkan posisi tahun sebelumnya yang position of Rp12.57 trillion. This change was dominated
mencapai Rp12,57 triliun. Perubahan ini didominasi by an increase of time deposits of 60.20% from
oleh peningkatan dari deposito berjangka yang Rp7.05 trillion to Rp11.30 trillion in 2025.
meningkat sebesar 60,20% dari Rp7,05 triliun menjadi
Rp11,30 trilun di tahun 2025.
Produk Pinjaman Loan Products
Sebagai bagian dari peran dalam mendukung inklusi As part of its role in supporting financial inclusion and
keuangan dan pertumbuhan ekonomi, Bank Capital economic growth, Bank Capital offers a range of loan
menghadirkan beragam produk pinjaman yang ditujukan products for both individual and institutional customers.
bagi nasabah individu maupun institusi. Produk-produk These products are designed with due consideration to
tersebut dirancang dengan mempertimbangkan financing needs across various sectors, from consumer
kebutuhan pembiayaan di berbagai sektor, mulai dari to productive segments, by offering flexible and
konsumtif hingga produktif, dengan menawarkan skema competitive schemes.
yang fleksibel serta kompetitif.
Melalui penyediaan fasilitas pinjaman ini, Bank Capital Through the provision of these loan facilities, Bank Capital
berkomitmen untuk membantu nasabah dalam is committed to assisting customers in achieving their
mencapai tujuan finansial, mendorong ekspansi usaha, financial objectives, encouraging business expansion,
serta memperkuat kontribusi terhadap pembangunan and strengthening its contribution to national economic
ekonomi nasional. Kinerja produk pinjaman Bank Capital development. The performance of Bank Capital’s loan
sepanjang tahun 2025 dapat dilihat pada tabel berikut: products throughout 2025 is presented in the following
table:
Pinjaman Berdasarkan Pihak
Loans by Party
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
2025 2024 Pertumbuhan
(Penurunan)
Uraian Increase Description
Rp % Rp % (Decrease)
%
Pihak Berelasi 477 0,00 432 0,01 10,42 Related Parties
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Management Discussion and Analysis
2025 2024 Pertumbuhan
(Penurunan)
Uraian Increase Description
Rp % Rp % (Decrease)
%
Pihak Ketiga 11.035.314 100,00 7.794.331 99,99 41,58 Third Parties
Jumlah 11.035.791 100,00 7.794.763 100,00 41,58 Total
Total pinjaman Perseroan pada tahun 2025 tercatat The Company’s total loan in 2025 were recorded
sebesar Rp11,04 triliun, meningkat 41,58% dibandingkan at Rp11.04 trillion, a 41.58% increase compared to
tahun 2024 sebesar Rp7,79 triliun. Peningkatan ini Rp7.79 trillion in 2024. This increase was mainly driven
terutama didorong oleh kenaikan pinjaman dari pihak by higher loan from third parties. By composition,
ketiga. Secara komposisi, pinjaman Perseroan didominasi the Company’s loan was almost entirely dominated by
hampir seluruhnya oleh pihak ketiga dengan porsi third parties, accounting for 100.00% in 2025, relatively
100,00% pada tahun 2025, relatif stabil dibandingkan stable compared to 99.99% in 2024. Meanwhile,
99,99% pada tahun 2024. Sementara itu, pinjaman loan from related parties was recorded at a very
dari pihak berelasi tercatat sangat kecil, yaitu sebesar small amount of Rp477 million or 0.00% of total loan,
Rp477 juta atau 0,00% dari total pinjaman, meskipun although it increased by 10.42% from Rp432 million in
mengalami peningkatan 10,42% dari Rp432 juta previous year.
pada tahun sebelumnya.
Pinjaman berdasarkan Sektor Ekonomi
Loans by Economic Sector
(dalam jutaan Rupiah / in millions of Rupiah)
Pertanian, Kehutanan, dan Perikanan
4.725
Agriculture, Forestry, and Fisheries
Industri Pengolahan
20.769
Manufacturing Industry
Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara
-
Electricity, Gas, Steam/Hot Water, and Air Supply
Konstruksi
375.000
Construction
Perdagangan Besar dan Eceran, Reparasi, dan Perawatan Mobil dan Sepeda Motor
511.265
Wholesale and Retail Trade, Repair, and Maintenance of Cars and Motorcycles
Transportasi dan Pergudangan
68.000
Transportation and Warehousing
Penyedia Akomodasi dan Penyediaan Makanan dan Minuman
-
Accommodation and Food and Beverage Services
Informasi dan Komunikasi
-
Information and Communication
Aktivitas Keuangan dan Asuransi
-
Financial and Insurance Activities
Real Estat
-
Real Estate
Aktivitas Profesi, Ilmiah, dan Teknis
5.805.253
Professional, Scientific, and Technical Activities
Aktivitas Penyewaan dan Sewa Guna Usaha
4.288.993
Rental and Leasing Activities
Rumah Tangga
-
Households
Keterangan / Description:
Data merupakan pinjaman gross (tanpa CKPN). / Data presented was gross loans (without CKPN).
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Pertumbuhan Penggunaan Mobile Banking Capital Flex
Growth in the Use of Capital Flex Mobile Banking
Pertumbuhan
Tahun
Increase
Year
%
2023 99,89
2024 85,80
2025 54,75
Treasuri Treasury
Divisi Treasuri Treasury Division
Divisi Treasuri Bank Capital memegang peranan strategis The Treasury Division of Bank Capital plays a strategic
dalam menjaga likuiditas, mengelola surat berharga, role in maintaining liquidity, managing securities, and
serta mengoptimalkan instrumen keuangan sebagai optimizing financial instruments as a source of income
salah satu sumber pendapatan yang mendukung kinerja supporting the Bank’s performance. In carrying out
Bank. Dalam pelaksanaannya, divisi ini tetap menekankan its functions, the division consistently emphasizes
prinsip kehati-hatian sehingga kontribusi terhadap prudential principles to ensure that contributions to
profitabilitas dapat dicapai dengan risiko yang terukur. profitability are achieved with measured risk.
Selain berperan dalam pengelolaan valuta asing In addition to its role in conservative foreign exchange
secara konservatif, Divisi Treasuri juga mendorong management, the Treasury Division also drives
pertumbuhan fee-based income melalui peningkatan the growth of fee-based income through increased
volume transaksi nasabah di bidang valas. Sejalan customer transaction volumes in foreign exchange.
dengan hal tersebut, aktivitas trading dan forex sales, In this regard, trading and forex sales activities, as
serta transaksi surat berharga (fixed income trading) well as securities transactions (fixed income trading),
dijalankan dengan pendekatan yang hati-hati, berbasis are conducted using a prudent approach, supported
analisis pasar yang komprehensif, dan senantiasa by comprehensive market analysis, and consistently
diarahkan untuk memberikan nilai tambah bagi Bank directed toward delivering added value for the Bank and
maupun pemangku kepentingan. its stakeholders.
Ke depan, Divisi Treasuri akan terus memperkuat Going forward, the Treasury Division will continue to
daya saing melalui peningkatan profesionalisme tim, strengthen competitiveness through enhanced team
pengembangan kapabilitas personel, serta penguatan professionalism, personnel capability development, and
manajemen risiko. Dengan strategi tersebut, Bank reinforced risk management. With these strategies, Bank
Capital optimis dapat mencapai pertumbuhan yang Capital is confident in achieving sustainable growth
berkelanjutan sekaligus menghadapi tantangan dinamika while addressing the challenges of global financial
pasar keuangan global secara adaptif dan responsif. market dynamics in an adaptive and responsive manner.
Divisi Institusi Keuangan Financial Institutions Division
Divisi Institusi Keuangan Bank Capital terus memainkan The Financial Institutions Division of Bank Capital
peran strategis dalam memperkuat hubungan kerja constantly playing a strategic role in strengthening
sama dengan berbagai bank/counterparty serta institusi the cooperation with various banks/counterparties and
keuangan non-bank, baik di dalam maupun luar negeri. non-bank financial institutions, both domestically and
Peran ini diarahkan untuk mendukung ekspansi bisnis internationally. This role is aimed toward supporting
Bank melalui pengembangan kemitraan dalam transaksi the Bank’s business expansion through partnerships
treasury, perdagangan internasional (international development in treasury transactions, international
trade), serta layanan pengiriman uang (remittance). trade, as well as remittance services. In addition,
Selain itu, Divisi Institusi Keuangan juga berkontribusi the Financial Institutions Division also contributes in
dalam menjaga pengelolaan likuiditas yang optimal maintaining optimal liquidity management by supporting
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Management Discussion and Analysis
dengan mendukung Divisi Tresuri melalui penyediaan Treasury Division through provision of financing lines for
fasilitas pembiayaan (line) untuk transaksi surat securities transactions, allowing for more effective and
berharga, sehingga pengelolaan ekses likuiditas dapat measured management of excess liquidity.
dilakukan secara lebih efektif dan terukur.
Sampai dengan 31 Desember 2025, Divisi Institusi As of 31 December 2025, Financial Institutions Division
Keuangan mencatatkan kinerja yang positif melalui recorded positive performance with the strengthening
penguatan kerja sama strategis dengan berbagai of strategic cooperation with various counterparties, and
counterparty, termasuk peningkatan jumlah dan kualitas improvements in number and quality of correspondent
hubungan koresponden bank. Bank juga melanjutkan banking relationships. The Bank also continued its
inisiatif pengembangan pasar keuangan melalui financial market development initiative through the
optimalisasi perjanjian Global Master Repurchase optimization of Global Master Repurchase Agreement
Agreement (GMRA) serta penjajakan kerja sama baru (GMRA) as well as exploring new cooperation to
guna meningkatkan fleksibilitas dan diversifikasi sumber enhance funding flexibility and diversification. These
pendanaan. Upaya ini sejalan dengan strategi Bank efforts are in line with the Bank’s strategy to strengthen
dalam memperkuat daya saing serta meningkatkan akses competitiveness and improve access to liquid and
terhadap instrumen keuangan yang likuid dan efisien. efficient financial instruments.
Selain itu, Divisi Institusi Keuangan secara aktif Further, Financial Institutions Division actively
melakukan koordinasi dengan unit bisnis dan unit coordinated with business units and support units to
pendukung dalam rangka meningkatkan volume dan boost the volume and quality of money market and
kualitas transaksi pasar uang (money market) dan foreign exchange transactions. This good synergy
valuta asing. Sinergi yang terjalin ini turut mendukung supports the achievement of the Bank’s overall
pencapaian target bisnis Bank secara keseluruhan, business targets, while maintaining a balance between
sekaligus menjaga keseimbangan antara pertumbuhan the business growth and prudent banking principle.
usaha dan prinsip kehati-hatian.
Ke depan, Divisi Institusi Keuangan akan terus Going forward, the Financial Institutions Division
mengimplementasikan strategi pengembangan bisnis will continue implementing the sustainable business
yang berkelanjutan dengan fokus pada: development strategies that focus on:
1. Mengoptimalkan dan memperluas jaringan 1. Optimizing and expanding the correspondent
koresponden Bank, baik domestik maupun network of the Bank, both domestically and
internasional, guna meningkatkan kualitas layanan internationally, to improve service quality and
dan memperluas akses pasar. expand market access.
2. Memperkuat kerja sama dengan institusi keuangan 2. Strengthening collaboration with strategic financial
strategis untuk mendukung pengembangan produk institutions to support the development of products
dan layanan treasury serta trade finance. and services for treasury as well as trade finance.
3. Meningkatkan koordinasi dan sinergi dengan unit 3. Enhancing coordination and synergy with business
bisnis, unit pendukung, serta jaringan kantor cabang units, support units, and branch offices network in
dalam mengembangkan transaksi money market, developing transactions for money market, foreign
valuta asing, dan instrumen keuangan lainnya. exchange, and others financial instrument.
4. Mengedepankan prinsip kehati-hatian dan 4. Prioritizing prudent principles and effective risk
manajemen risiko yang efektif dalam setiap aktivitas management in all cooperation activities, to maintain
kerja sama guna menjaga kualitas aset dan stabilitas asset quality and performance stability of the Bank.
kinerja Bank.
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Tinjauan Keuangan
Financial Review
Laporan Posisi Keuangan [POJK C.3]
Statement of Financial Position
Aset
Assets
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan
(Penurunan)
Uraian 2025 2024 Increase (Decrease) Description
Rp %
Aset Keuangan / Financial Assets
Kas 96.181 65.109 31.072 47,72 Cash
Current Accounts with
Giro pada Bank Indonesia 1.813.597 1.619.352 194.245 12,00
Bank Indonesia
Giro pada Bank Lain 172.010 64.523 107.487 166,59 Current Accounts with Other Banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
2.694.714 1.449.578 1.245.136 85,90
dan Bank Lain and Other Banks
Efek-Efek 6.775.868 5.782.846 993.022 17,17 Marketable Securities
Kredit yang Diberikan 11.035.791 7.794.763 3.241.028 41,58 Loans
Pihak Berelasi 477 434 43 9,91 Related Parties
Pihak Ketiga 11.073.528 7.832.220 3.241.308 41,38 Third Parties
Dikurangi: Cadangan Kerugian
(38.214) (37.891) 323 0,85 Allowance for Impairment Losses
Penurunan Nilai
Piutang Bunga 109.432 99.636 9.796 9,83 Interest Receivables
Biaya Dibayar di Muka 4.052.111 4.521.023 (468.912) (10,37) Prepaid Expenses
Aset Lain-Lain 538.876 417.711 121.165 29,01 Other Assets
Jumlah Aset Keuangan 27.288.580 21.814.541 5.474.039 25,09 Total Financial Assets
Aset Non-Keuangan / Non-Financial Assets
Aset Tetap – Bersih 742.925 765.632 (22.707) (2,97) Fixed Assets - Net
Aset Pajak Tangguhan 6.851 11.032 (4.181) (37,90) Deferred Tax Assets
Jumlah Aset Non-Keuangan 749.776 776.664 (26.888) (3,46) Total Non-Financial Assets
Jumlah Aset 28.038.356 22.591.205 5.447.151 24,11 Total Assets
Jumlah Aset Total Assets
Pada tahun 2025, jumlah aset Bank Capital mencapai In 2025, Bank Capital’s total assets amounted to
Rp28,04 triliun, mencatat pertumbuhan sebesar Rp28.04 trillion, recording a significant increase of
24,11% dibandingkan dengan posisi tahun sebelumnya 24.11% compared to the previous year’s position of
yang berjumlah Rp22,59 triliun. Perubahan tersebut Rp22.59 trillion. This change reflects the impact of
mencerminkan dampak dari peningkatan aset keuangan increase of financial assets of around 25.09%.
yang meningkat sebesar 25,09%.
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Jumlah Aset Keuangan Total Financial Assets
Sepanjang tahun 2025, aset keuangan Bank Capital Throughout 2025, Bank Capital’s financial assets
tercatat sebesar Rp27,29 triliun, menunjukkan were recorded at Rp27.29 trillion, showing a increase
pertumbuhan sebesar 25,09% dibandingkan tahun of 25.09% compared to 2024, which amounted to
2024 yang berjumlah Rp21,81 triliun. Perubahan kinerja Rp21.81 trillion. This performance change was primarily
tersebut terutama dipengaruhi oleh peningkatan kredit influenced by increase of loans granted of 41.58%
yang diberikan sebesar 41,58% di tahun 2025. in 2025.
Jumlah Aset Non-Keuangan Total Non-Financial Assets
Pada tahun 2025, aset non-keuangan Bank Capital In 2025, Bank Capital’s non-financial assets were
tercatat sebesar Rp749,78 miliar, menunjukkan recorded at Rp749.78 billion, reflecting a decline
penurunan sebesar 3,46% dibandingkan posisi tahun of 3.46% compared to the 2024 position of
2024 yang berjumlah Rp776,66 miliar. Perubahan ini Rp776.66 billion. This change was mainly caused by
terutama disebabkan oleh aset tetap - bersih yang fixed assets – net that declined by 2.97% and deferred
menurun sebesar 2,97% dan aset pajak tangguhan yang tax assets that declined by 37.90%.
menurun sebesar 37,90%.
Liabilitas
Liabilities
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan
(Penurunan)
Uraian 2025 2024 Increase (Decrease) Description
Rp %
Liabilitas Keuangan / Financial Liabilities
Liabilitas Segera 673.331 359.777 313.554 87,15 Current Liabilities
Simpanan dari Nasabah 18.254.018 12.572.261 5.681.757 45,19 Deposits from Customers
Simpanan dari Bank Lain 752.814 725.275 27.539 3,80 Deposits from Other Banks
Efek-Efek yang Dijual Securities Sold Under
1.346.597 2.031.910 (685.313) (33,73)
dengan Janji Dibeli Kembali Agreements to Repurchase
Liabilitas Lain-Lain 151.579 190.451 (38.872) (20,41) Other Liabilities
Jumlah Liabilitas Keuangan 21.178.339 15.879.674 5.298.665 33,37 Total Financial Liabilities
Liabilitas Non-Keuangan / Non-Financial Liabilities
Utang Pajak 41.335 31.693 9.642 30,42 Taxes Payable
Liabilitas Imbalan Post-Employment
63.818 56.821 6.997 12,31
Pasca Kerja Benefits Obligation
Jumlah Liabilitas Non-Keuangan 105.153 88.514 16.639 18,80 Total Non-Financial Liabilities
Jumlah Liabilitas 21.283.492 15.968.188 5.315.304 33,29 Total Liabilities
Jumlah Liabilitas Total Liabilities
Pada tahun 2025, jumlah liabilitas Bank Capital sebesar In 2025, Bank Capital’s total liabilities amounted
Rp21,28 triliun, meningkat sebesar 33,29% dari tahun to Rp21.28 trillion, increasing by 33.29% from
sebelumnya sebesar Rp15,97 triliun. Hal ini terutama the previous year’s figure of Rp15.97 trillion. This was
disebabkan oleh liabilitas keuangan yang meningkat primarily due to increasing financial liabilities of 33.37%.
sebesar 33,37%.
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Jumlah Liabilitas Keuangan Total Financial Liabilities
Jumlah liabilitas keuangan Bank Capital di tahun 2025 Bank Capital’s total financial liabilities in 2025
sebesar Rp21,18 triliun, meningkat sebesar 33,37% dari amounted to Rp21.28 trillion, increasing by 33.37% from
tahun sebelumnya sebesar Rp15,88 triliun. Peningkatan the previous year’s level of Rp15.88 trillion. This increase
ini terutama disebabkan oleh peningkatan simpanan dari was mainly caused by an increase in savings from
nasabah sebesar 45,19%. customers of 45.19%.
Jumlah Liabilitas Non-Keuangan Total Non-Financial Liabilities
Jumlah liabilitas non-keuangan Bank Capital tahun 2025 Bank Capital’s total non-financial liabilities in 2025
sebesar Rp105,15 miliar, meningkat 18,80% dari tahun amounted to Rp105.15 billion, increasing by 18.80%
sebelumnya sebesar Rp88,51 miliar. Peningkatan ini from the previous year’s amount of Rp88.51 billion. This
terutama disebabkan oleh utang pajak yang meningkat increase was mainly caused by increasing taxes payable
sebesar 30,42% di tahun 2025. of 30.42% in 2025.
Ekuitas
Equity
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan
(Penurunan)
Uraian 2025 2024 Increase (Decrease) Description
Rp %
Modal Ditempatkan dan Disetor
1.995.302 1.995.302 0 0,00 Issued and Fully Paid-In Capital
Penuh
Tambahan Modal Disetor - Neto 21.363 21.363 0 0,00 Additional Paid-In Capital - Net
Uang Muka Setoran Modal 3.000.000 3.000.000 0 0,00 Advance for Share Subscription
Keuntungan yang Belum Direalisasi
atas Aset Keuangan yang Diukur Unrealized Gain on Financial Asset
pada Nilai Wajar melalui Penghasilan 253.923 246.923 7.000 2,83 Measured at Fair Value through
Komprehensif Lain Other Comprehensive Income - Net
- Neto
Kerugian Pengukuran Kembali atas Remeasurement Loss on Defined
(22.471) 1.138 5,33
Program Imbalan Pasti - Neto Benefit Program - Net
Surplus Revaluasian Aset Tetap - Revaluation Surplus of Fixed Assets
201.800 (4.701) (2,28)
Neto - Net
Saldo Laba Retained Earning
Telah Ditentukan Penggunaannya 65.611 63.611 2.000 3,14 Appropriated
Belum Ditentukan
1.239.336 1.110.650 128.686 11,59 Unappropriated
Penggunaannya
Jumlah Ekuitas 6.754.864 6.623.017 131.847 1,99 Total Equity
Jumlah Ekuitas Total Equity
Pada tahun 2025, jumlah ekuitas Bank Capital sebesar In 2025, Bank Capital’s total equity amounted to
Rp6,75 triliun, meningkat sebesar 1,99% dari tahun Rp6.75 trillion, increasing by 1.99% from the previous
sebelumnya sebesar Rp6,62 triliun. Hal ini terutama year’s figure of Rp6.62 trillion. This was mainly caused
disebabkan oleh saldo laba yang belum ditentukan by an increase in unappropriated retained earnings of
penggunaannya meningkat sebesar 11,59%. 11.59%.
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Laporan Laba Rugi dan Penghasilan Komprehensif Lain
Statement of Profit or Loss and Other Comprehensive Income
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan
(Penurunan)
Uraian 2025 2024 Increase (Decrease) Description
Rp %
Pendapatan Bunga 1.491.241 979.700 511.541 52,21 Interest Income
Beban Bunga (937.643) (1.032.545) (94.902) (9,19) Interest Expense
Pendapatan (Beban) Bunga - Neto 553.598 (52.845) 606.443 1.147,59 Net Interest Income (Expense)
Pendapatan Operasional Lainnya Other Operating Income
Provisi dan Komisi 186.176 875.442 (689.266) (78,73) Fees and Commission
Keuntungan (Kerugian) dari Gain (Loss) from the Sales of
(14.855) 4.488 (19.343) (430,99)
Penjualan Efek-Efek - Neto Securities - Net
Keuntungan (Kerugian) Selisih Gain (Loss) from Foreign
2.117 (11.136) 13.253 119,01
Kurs Mata Uang Asing - Neto Exchange - Net
Keuntungan yang Belum
Unrealized Gain on Changes of
Direalisasi dari Perubahan Nilai 25.072 7.604 17.468 229,72
Fair Value of Securities
Wajar Efek-Efek
Lain-Lain 456.377 89.594 366.783 409,38 Others
Jumlah Pendapatan Operasional
654.887 965.992 (311.105) (32,21) Total Other Operating Income
Lainnya
Pembentukan Cadangan Kerugian Allowance for Impairment of
(4.174) (21.739) (17.565) (80,80)
Penurunan Nilai Aset Keuangan Financial Asset
Beban Operasional Lainnya Other Operating Expense
Gaji dan Tunjangan Karyawan (226.573) (210.187) 16.386 7,80 Salaries and Employee Benefit
General and Administrative
Umum dan Administrasi (795.211) (530.017) 265.194 50,03
Expenses
Jumlah Beban Operasional
(1.021.784) (740.204) 281.580 38,04 Total Other Operating Expense
Lainnya
Laba Operasional 182.527 151.204 31.323 20,72 Operating Profit
Beban Non-Operasional - Neto (19.271) (7.715) 11.556 149,79 Non-Operating Expense - Net
Laba Sebelum Beban Pajak 163.256 143.489 19.767 13,78 Income Before Income Tax
Beban Pajak Penghasilan Income Tax Expense
Kini (32.769) (32.856) (87) (0,26) Current
Tangguhan (4.502) (1.255) 3.247 258,73 Deferred
Beban Pajak - Neto (37.271) (34.111) 3.160 9,26 Tax Expense – Net
Laba Bersih Tahun Berjalan 125.985 109.378 16.607 15,18 Net Income for the Year
Pendapatan Komprehensif Lain Other Comprehensive Income
Pos-Pos yang tidak akan Items that will not Reclassified to
Direklasifikasi ke Laba Rugi: Profit of Loss
Perubahan dalam Surplus Revaluation Surplus of Fixed
- 79.243 (79.243) (100,00)
Revaluasi Aset Tetap Assets
Pengukuran Kembali atas Statement of Profit or Loss and
(1.138) (7.191) (6.053) (84,17)
Liabilitas Imbalan Pasti Other Comprehensive Income
Pos-Pos yang akan Direklasifikasi Items that will not Reclassified to
ke Laba Rugi: Profit of Loss
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Page 116
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan
(Penurunan)
Uraian 2025 2024 Increase (Decrease) Description
Rp %
Keuntungan yang Belum
Direalisasi atas Efek-Efek yang Unrealized Gains on Securities
Diklasifikasikan sebagai Nilai 7.000 39.408 (32.408) (82,24) Classified at Fair Value Through
Wajar melalui Penghasilan Other Comprehensive Income
Komprehensif Lain
Penghasilan Komprehensif Lain Other Comprehensive Income for
5.862 111.460 (105.598) (94,74)
Tahun Berjalan – Setelah Pajak the Year – Net of Tax
Penghasilan Komprehensif Tahun
131.847 220.838 (88.991) (40,30) Comprehensive Income for the Year
Berjalan
Laba per Saham Dasar Basic Earnings per Share
6,31 5,48 0,83 15,15
(Nilai Penuh) (Full Amount)
Pendapatan Bunga Interest Income
Pada tahun 2025, Bank Capital mencatat pendapatan In 2025, Bank Capital recorded interest income of
bunga sebesar Rp1,49 triliun, meningkat 52,21% Rp1.49 trillion, increasing by 52.21% compared to
dibandingkan tahun sebelumnya sebesar Rp979,70 the previous year’s amount of Rp979.70 billion.
miliar. Peningkatan pendapatan bunga terutama dari The increase in interest income was mainly attributable
pendapatan bunga kredit yang meningkat sebesar to income from loan interest that increased by 72.35%.
72,35%.
Beban Bunga Interest Expense
Beban bunga pada tahun 2025 tercatat sebesar Interest expense in 2025 amounted to Rp937.64 million,
Rp937,64 miliar, menurun 9,19% dibandingkan tahun decreasing by 9.19% compared to Rp1.03 trillion in 2024.
2024 sebesar Rp1,03 triliun. Penurunan didorong oleh The decrease was driven by declining interest expense
penurunan beban bunga dari simpanan nasabah sebesar of customer savings of 11.65%.
11,65%.
Pendapatan (Beban) Bunga - Neto Net Interest Income (Expense)
Pendapatan bunga - neto pada tahun 2025 tercatat Net interest income - net in 2025 was recorded at
sebesar Rp553,60 miliar, mengalami peningkatan Rp553.60 billion, representing a increase of 1,147.59%
signifikan sebesar 1.147,59% apabila dibandingkan compared to 2024, which recorded an expense of
dengan tahun 2024 yang mencatatkan beban Rp52.85 billion. The increase was due to higher interest
sebesar Rp52,85 miliar. Peningkatan disebabkan oleh income, coupled with a decrease in interest expense in
peningkatan pendapatan bunga yang diiringi dengan 2025.
penurunan beban bunga di tahun 2025.
Pendapatan Operasional Lainnya Other Operating Income
Pendapatan operasional lainnya pada tahun 2025 Other operating income in 2025 and 2024 amounted
dan 2024 masing-masing sebesar Rp654,89 miliar to Rp654.89 billion and Rp965.99 billion, respectively
dan Rp965,99 miliar, menurun sebesar 32,21%. Hal ini decreasing by 32.21%. This was driven by decline in
didorong oleh penurunan provisi dan komisi sebesar provisions and commissions of 78.73% in 2025.
78,73% di tahun 2025.
Beban Operasional Lainnya Other Operating Expenses
Pada tahun 2025, beban operasional lainnya meningkat In 2025, other operating expenses increased by 38.04%,
38,04%, menjadi Rp1,02 triliun dari semula Rp740,20 to Rp1.02 trillion from Rp740.20 billion previously. This
miliar. Hal ini terutama disebabkan oleh beban umum was mainly attributable to an increase in general and
dan administrasi yang meningkat sebesar 50,03%. administrative expenses of 50.03%.
114 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Laba Operasional Operating Profit
Pada tahun 2025, laba operasional meningkat 20,72%, In 2025, operating profit increased by 20.72%, to
menjadi Rp182,53 miliar dari semula Rp151,20 miliar. Hal Rp182.53 billion from Rp151.20 billion previously. This
ini terutama disebabkan oleh meningkatnya pendapatan was mainly attributable to higher Bank income in 2025
Bank di tahun 2025.
Laba Sebelum Beban Pajak Profit Before Tax Expense
Laba sebelum beban pajak yang tercatat di akhir tahun Profit before tax expense recorded at the end of 2025
2025 sebesar Rp163,26 miliar, mengalami peningkatan amounted to Rp163.26 billion, representing an increase
sebesar 13,78% dibandingkan tahun sebelumnya of 13.78% compared to the previous year’s figure of
sebesar Rp143,49 miliar. Hal ini terutama dipengaruhi Rp143.49 billion. This was mainly influenced by increase
oleh peningkatan laba operasional Bank di tahun 2025. in the Bank’s operating income in 2025.
Beban Pajak - Neto Tax Expense - Net
Beban pajak - neto yang tercatat di akhir tahun 2025 Tax expense - net recorded at the end of 2025
sebesar Rp37,27 miliar, mengalami peningkatan amounted to Rp37.27 billion, reflecting an increase
sebesar 9,26% dibandingkan tahun sebelumnya sebesar of 9.26% compared to the previous year’s amount of
Rp34,11 miliar. Hal ini dipengaruhi oleh beban pajak Rp34.11 billion. This was influenced by an increase in
penghasilan tangguhan yang meningkat sebesar deferred income tax expense of 258.73%
258,73%.
Laba Bersih Tahun Berjalan Net Income for the Year
Laba bersih tahun berjalan pada akhir tahun 2025 Net profit at the end of 2025 amounted to
sebesar Rp125,99 miliar, meningkat sebesar 15,18% Rp125.99 billion, increasing by 15.18% compared to
dibandingkan dengan tahun 2024 sebesar Rp109,38 Rp109.38 billion in 2024. The increase was attributable
miliar. Peningkatan disebabkan oleh meningkatnya to the Bank’s improved capability to generate income
kemampuan Bank dalam menghasilkan pendapatan di in 2025.
tahun 2025.
Penghasilan Komprehensif Lain Other Comprehensive Income - Net of Tax
Tahun Berjalan - Setelah Pajak
Pada tahun 2025, Bank Capital mencatat penghasilan In 2025, Bank Capital recorded other comprehensive
komprehensif lain tahun berjalan - setelah pajak sebesar income for the year - net of tax of Rp5.86 billion,
Rp5,86 miliar, mengalami penurunan sebesar 94,74% jika a 94.74% decrease compared to Rp111.46 billion
dibandingkan tahun sebelumnya sebesar Rp111,46 miliar. in previous year. The decrease was mainly due to
Penurunan terutama disebabkan oleh tidak adanya pos the absence of changes in the revaluation surplus of
perubahan dalam surplus revaluasi aset tetap di tahun fixed assets in 2025.
2025.
Penghasilan Komprehensif Tahun Berjalan Comprehensive Income for the Year
Pada tahun 2025, Bank mencatat penghasilan In 2025, the Bank recorded total comprehensive
komprehensif tahun berjalan sebesar Rp131,85 miliar. income for the year of Rp131.85 billion. This reflects
Angka ini menunjukkan penurunan sebesar 40,30% an decrease of 40.30% compared to
dibandingkan dengan tahun sebelumnya, di mana the previous year, in which total comprehensive income
penghasilan komprehensif tahun berjalan tercatat for the year amounted to Rp220.84 billion. The decline
sebesar Rp220,84 miliar. Penurunan ini dipengaruhi oleh was influenced by decreasing other comprehensive
penurunan penghasilan komprehensif lain tahun berjalan income for the year - net of tax of 94.74%.
- setelah pajak sebesar 94,74%.
Laba per Saham Dasar Basic Earnings per Share
Pada tahun 2025, Bank Capital mencatat laba per saham In 2025, Bank Capital recorded basic earnings per share
dasar sebesar Rp6,31, mengalami peningkatan sebesar of Rp6.31, reflecting an increase of 15.15% compared to
15,15% jika dibandingkan tahun sebelumnya sebesar the previous year’s amount of Rp5.48. The increase was
Rp5,48. Peningkatan disebabkan oleh peningkatan laba due to higher Bank profit in 2025.
Bank di tahun 2025.
2025 Annual Report | PT Bank Capital Indonesia Tbk 115
Page 118
Laporan Arus Kas
Statement of Cash Flows
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Pertumbuhan
(Penurunan)
Uraian 2025 2024 Increase (Decrease) Description
Rp %
Kas Bersih yang Diperoleh dari Net Cash Provided by (Used in)
1.611.410 (1.966.979) 3.578.389 181,92
(Digunakan untuk) Aktivitas Operasi Operating Activities
Kas Bersih yang Digunakan Net Cash Used in
(33.470) (57.533) (24.063) (41,82)
untuk Aktivitas Investasi Investing Activities
Kas Bersih yang Diperoleh Net Cash Provided
- 3.000.000 (3.000.000) (100,00)
dari Aktivitas Pendanaan by Financing Activities
Kenaikan Neto Kas Increase (Decrease) in Cash and
1.577.940 975.488 602.452 38,18
dan Setara Kas Cash Equivalent
Cash and Cash Equivalent at
Kas dan Setara Kas Awal Tahun 3.198.562 2.223.074 975.488 30,50
Beginning of Year
Cash and Cash Equivalent
Kas dan Setara Kas Akhir Tahun 4.776.502 3.198.562 1.577.940 33,04
at End of Year
Kas Bersih yang Diperoleh dari Net Cash Provided by (Used in)
(Digunakan untuk) Aktivitas Operasi Operating Activities
Pada tahun 2025, Bank Capital memperoleh kas bersih In 2025, Bank Capital recorded net cash provided
dari aktivitas operasi sebesar Rp1,61 triliun, meningkat by operating activities of Rp1.61 trillion, an increase
dibandingkan tahun 2024 yang menggunakan kas bersih compared to 2024, in which Rp1.97 trillion of net cash
untuk aktivitas operasi sebesar Rp1,97 triliun. Perubahan was used in operating activities. This change was mainly
ini berasal dari kenaikan signifikan pada liabilitas attributable to significant increase in operating liabilities
operasional dari Rp156,74 miliar di tahun 2024 menjadi from Rp156.74 billion in 2024 to Rp5.27 trillion in 2025.
Rp5,27 triliun di tahun 2025.
Kas Bersih yang Digunakan untuk Net Cash Used in Investing Activities
Aktivitas Investasi
Selama tahun 2025, arus kas yang digunakan untuk Throughout 2025, net cash used in investing
aktivitas investasi sebesar Rp33,47 miliar, sedangkan activities amounted to Rp33.47 billion, compared to
pada tahun 2024 sebesar Rp57,53 miliar atau Rp57.53 billion in 2024, or decreasing by 41.82%. It was
menurun sebesar 41,82%. Hal tersebut disebabkan primarily due to decreasing use of cash to acquire fixed
oleh penggunaan kas untuk perolehan aset tetap yang assets by 41.82%.
menurun sebesar 41,82%.
Kas Bersih yang Diperoleh dari Net Cash Provided by Financing Activities
Aktivitas Pendanaan
Per 31 Desember 2025, Bank tidak mencatatkan As of 31 December 2025, the Bank recorded no use
adanya penggunaan dan perolehan kas bersih dari of net cash provided by or used in financing activities.
aktivitas pendanaan. Sedangkan pada tahun 2024, Bank While in 2024, the Bank recorded net cash provided by
memperoleh kas bersih dari aktivitas pendanaan sebesar financing activities amounting to Rp3.00 trillion.
Rp3,00 triliun.
116 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Rasio Keuangan
Financial Ratios
(dalam % / in %)
Uraian 2025 2024 Description
Rasio Kinerja / Performance Ratios
Kewajiban Penyediaan Modal Minimum 36,86 40,08 Capital Adequacy Ratio
Aset Produktif Bermasalah dan Aset Non-Performing Earning Assets and
Non-Produktif Bermasalah terhadap 0,06 0,03 Non-Performing Non-Earning Assets to Total
Total Aset Produktif dan Aset Non-Produktif Earning Assets and Non-Earning Assets
Aset Produktif Bermasalah terhadap Non-Performing Earning Assets
0,06 0,03
Total Aset Produktif to Total Earning Assets
Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for Impairment Losses (CKPN) of
0,26 0,31
Aset Keuangan terhadap Aset Produktif Financial Assets to Earning Assets
Non-Performing Loans (NPL) – Gross 0,37 0,06 Non-Performing Loans (NPL) – Gross
Non-Performing Loans (NPL) – Neto 0,07 0,00 Non-Performing Loans (NPL) – Net
Rasio Kepatuhan / Compliance Ratios
Percentage of Legal Lending Limit
Persentase Pelanggaran BMPK
(LLL) Violations
Pihak Terkait - - Related Party
Pihak Tidak Terkait - - Non-Related Party
Persentase Pelampauan BMPK Percentage of LLL Overruns
Pihak Terkait - - Related Party
Pihak Tidak Terkait - - Non-Related Party
Giro Wajib Minimum Statutory Reserves (GWM)
GWM Utama Rupiah Primary GWM in Rupiah
Harian - - Daily
Rata-Rata 9,99 12,58 Average
GWM Valuta Asing (Harian) 5,76 5,48 GWM in Foreign Currencies (Daily)
Posisi Devisa Neto (PDN) secara Keseluruhan 0,23 0,26 Overall Net Open Position (NOP)
Kemampuan Membayar Utang
Debt Repayment Ability
(dalam % / in %)
Uraian 2025 2024 Description
Rasio Likuiditas / Liquidity Ratios
Loan to Deposit Ratio (LDR) 60,67 62,30 Loan to Deposit Ratio (LDR)
Rasio Aktiva Keuangan terhadap Liabilitas
128,85 137,37 Financial Assets to Financial Liabilities Ratio
Keuangan
Rasio Solvabilitas / Solvency Ratios
Jumlah Liabilitas terhadap Jumlah Aset 75,91 70,68 Total Liabilities to Total Assets
Jumlah Liabilitas terhadap Jumlah Ekuitas 315,08 241,10 Total Liabilities to Total Equity
Jumlah Liabilitas terhadap Jumlah Aset Tetap 2.864,82 2.085,62 Total Liabilities to Total Fixed Assets
Jumlah Aktiva Tetap terhadap Jumlah Modal 11,00 11,56 Total Fixed Assets to Total Capital
2025 Annual Report | PT Bank Capital Indonesia Tbk 117
Page 120
Uraian 2025 2024 Description
Rasio Rentabilitas / Profitability Ratios
Return on Assets (ROA) 0,68 0,72 Return on Assets (ROA)
Return on Equity (ROE) 1,92 2,75 Return on Equity (ROE)
Beban Operasional terhadap Pendapatan Operating Expenses to Operating Income
97,69 97,13
Operasional (BOPO) (BOPO)
Net Interest Margin (NIM) 3,55 0,66 Net Interest Margin (NIM)
Tingkat Kolektibilitas Piutang Receivables Quality
Dalam mengelola portofolio kredit, Bank Capital In managing its loan portfolio, Bank Capital applies
menerapkan pengukuran kualitas aset produktif melalui the measurement of earning asset quality through
penilaian tingkat kolektibilitas dan pemantauan rasio an assessment of collectibility levels and monitoring of
kredit bermasalah (Non-Performing Loan/NPL), sesuai the Non-Performing Loan (NPL) ratio, in accordance with
dengan standar yang ditetapkan oleh Bank Indonesia. the standards set by Bank Indonesia. In 2025, the Bank’s
Pada tahun 2025, NPL neto Bank meningkat menjadi net NPL increased to 0.07%, compared to 0.00% of
0,07%, dibandingkan tahun sebelumnya yang sebesar the previous year. Nevertheless, the Bank’s net NPL was
0,00%. Meski demikian, NPL neto Bank masih jauh far below the maximum threshold of 5.00% as stipulated
di bawah ambang batas maksimum 5,00% sebagaimana by the regulator.
diatur oleh regulator.
Komitmen Bank Capital dalam menjaga kualitas kredit Bank Capital’s commitment to maintaining credit quality
diwujudkan melalui penerapan prinsip kehati-hatian is demonstrated through the application of prudential
(prudential banking principles) pada setiap proses banking principles in every lending process. These
pemberian pinjaman. Langkah ini meliputi penilaian measures include a comprehensive assessment of
komprehensif terhadap profil calon debitur, pemantauan prospective debtors’ profiles, periodic monitoring of
secara berkala terhadap portofolio kredit yang telah the disbursed loan portfolio, and the implementation
disalurkan, serta penerapan kebijakan mitigasi risiko of structured risk mitigation policies. Through this
yang terstruktur. Dengan pendekatan tersebut, Bank approach, the Bank is able to maintain a balance
mampu menjaga keseimbangan antara pertumbuhan between business growth and asset quality.
bisnis dan kualitas aset.
Klasifikasi kredit Bank berdasarkan tingkat kolektibilitas The classification of the Bank’s loans based on
yang berlaku sesuai ketentuan Bank Indonesia sebagai collectibility levels in accordance with Bank Indonesia
berikut: regulations is as follows:
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
2025 2024 Pertumbuhan
(Penurunan)
Uraian Increase Description
Rp % Rp % (Decrease)
%
Lancar 10.946.645 98,85 7.785.519 99,40 40,60 Current
Dalam Perhatian Khusus 86.720 0,78 42.235 0,54 105,33 Special Mention
Kurang Lancar - - - - - Substandard
Diragukan - - - - - Doubtful
Macet 40.640 0,37 4.900 0,06 729,39 Loss
Total 11.074.005 100,00 7.832.654 100,00 41,38 Total
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Struktur Modal dan Kebijakan Struktur Modal
Capital Structure and Capital Structure Policy
Kebijakan Manajemen atas Struktur Modal Management Policy on Capital Structure
dan Dasar Pemilihannya and Its Basis
Bank Capital menempatkan pengelolaan modal sebagai Bank Capital places capital management as a top
prioritas utama dalam mendukung keberlanjutan usaha priority in supporting business sustainability and
dan menjaga ketahanan keuangan. Strategi permodalan maintaining financial resilience. The capital strategy
yang dijalankan berfokus pada penciptaan struktur focuses on establishing a sound capital structure
modal yang sehat, mampu mendukung ekspansi bisnis, that is able to support business expansion and ensure
serta memastikan stabilitas jangka panjang. Seluruh long-term stability. All capital policies are designed in
kebijakan permodalan dirancang sejalan dengan line with regulatory requirements on capital adequacy,
ketentuan regulator mengenai kecukupan modal, while emphasizing efficient utilization of resources to
sekaligus mengedepankan efisiensi pemanfaatan strengthen competitiveness and promote sustainable
sumber daya untuk memperkuat daya saing dan growth.
mendorong pertumbuhan yang berkesinambungan.
Sebagai bagian dari perencanaan strategis, Bank secara As part of its strategic planning, the Bank consistently
konsisten melakukan kajian kebutuhan modal dengan conducts capital needs assessments by taking into
memperhatikan dinamika ekonomi, perkembangan account economic dynamics, developments in the banking
industri perbankan, serta ketentuan regulasi yang industry, and prevailing regulatory requirements. This
berlaku. Proses perencanaan tersebut dituangkan dalam planning process is set out in the Bank Business Plan
Rencana Bisnis Bank yang disusun oleh Direksi dan prepared by the Board of Directors and approved by
mendapat persetujuan Dewan Komisaris, sehingga arah the Board of Commissioners, ensuring that capital policy
kebijakan permodalan tetap sejalan dengan visi strategis direction remains aligned with the Bank’s strategic vision
dan kerangka manajemen risiko Bank. and risk management framework.
Selama periode pelaporan, Bank Capital senantiasa During the reporting period, Bank Capital consistently
memenuhi seluruh ketentuan permodalan yang ditetapkan complied with all capital requirements stipulated
oleh otoritas, termasuk kewajiban pemenuhan rasio by the authorities, including the obligation to meet
Kewajiban Penyediaan Modal Minimum dan perhitungan the Minimum Capital Adequacy Ratio and the calculation
Aktiva Tertimbang Menurut Risiko. Dengan penerapan of Risk-Weighted Assets. Through the implementation
manajemen modal yang disiplin, proaktif, dan berorientasi of disciplined, proactive, and long-term–oriented
jangka panjang, Bank terus menjaga keseimbangan capital management, the Bank continues to maintain
antara pertumbuhan usaha dan penerapan prinsip a balance between business growth and the application
kehati-hatian dalam pengelolaan risiko. of prudential principles in risk management.
Rincian Struktur Modal Details of Capital Structure
Mengacu pada ketentuan yang ditetapkan oleh Bank Referring to the provisions set by Bank Indonesia and
Indonesia dan Otoritas Jasa Keuangan, Bank Capital the Financial Services Authority, Bank Capital has
membangun struktur permodalan yang terdiri atas established a capital structure consisting of 2 main
2 komponen utama, yaitu modal inti dan modal components: core capital and supplementary capital.
pelengkap. Dalam menetapkan kecukupan modal, In determining capital adequacy, the Bank consistently
Bank senantiasa memperhitungkan eksposur terhadap takes into account exposures to various types of
berbagai jenis risiko, seperti risiko kredit, risiko pasar, risk, including credit risk, market risk, and operational
dan risiko operasional. Pendekatan ini dirancang untuk risk. This approach is designed to ensure a resilient
memastikan struktur permodalan tetap tangguh capital structure while supporting healthy, stable, and
sekaligus mendukung pertumbuhan usaha yang sehat, sustainable business growth.
stabil, dan berkesinambungan.
2025 Annual Report | PT Bank Capital Indonesia Tbk 119
Page 122
Rincian komposisi struktur modal Bank Capital The composition of Bank Capital’s capital structure is
ditunjukkan sebagai berikut: presented as follows:
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Uraian 2025 2024 Description
Modal Inti 6.634.017 6.559.952 Core Capital
Modal Pelengkap 153.031 113.659 Supplementary Capital
Jumlah Modal 6.787.048 6.673.612 Total Capital
Aset Tertimbang Menurut Risiko / Risk Weighted Assets
Risiko Kredit 16.812.371 15.460.142 Credit Risk
Risiko Operasional 973.514 701.679 Operational Risk
Risiko Pasar 629.356 490.085 Market Risk
Rasio Kewajiban Penyediaan Modal Minimum (%) / Capital Adequacy Ratio (%)
Risiko Kredit dan Risiko Operasional 38,16 41,29 Credit Risk and Operational Risk
Risiko Kredit, Risiko Operasional, Credit Risk, Operational Risk,
36,86 40,08
dan Risiko Pasar and Market Risk
Komitmen dan Kontingensi
Commitments and Contingencies
Bank Capital mengelola komitmen dan kontingensi Bank Capital manages commitments and contingencies
secara disiplin sebagai bagian dari penerapan prinsip in a disciplined manner as part of the application of
kehati-hatian dalam manajemen risiko dan perencanaan prudential principles in risk management and financial
keuangan. Dalam 2 tahun terakhir, strategi ini mampu planning. Over the past 2 years, this strategy has been
menjaga stabilitas keuangan, memastikan keberlanjutan able to maintain financial stability, ensure operational
operasional, serta memenuhi ketentuan regulator. continuity, and comply with regulatory requirements.
Rincian komitmen dan kontingensi Bank sebagai berikut: The details of the Bank’s commitments and contingencies
are as follows:
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 Description
Komitmen / Commitments
Tagihan Komitmen Commitment Receivables
Posisi Pembelian Spot dan Derivatif
Spot and Derivative in Current Purchase Position
yang Masih Berjalan
Rupiah - 80.950 Rupiah
Dolar Amerika Serikat 667.000 613.236 United States Dollar
Jumlah 667.000 694.186 Total
Liabilitas Komitmen Commitment Liabilities
Rupiah Rupiah
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Uraian 2025 2024 Description
Posisi Pembelian Spot dan Derivatif yang Spot and Derivative in Current
671.143 612.647
Masih Berjalan Sales Position
Fasilitas Kredit kepada Nasabah Unused Loan Facilities Granted
559.217 475.175
yang Belum Digunakan to Customers
Dolar Amerika Serikat United States Dollar
Posisi Pembelian Spot dan Derivatif Spot and Derivative in Current
- 82.085
yang Masih Berjalan Sales Position
Jumlah 1.230.360 1.169.907 Total
Jumlah Liabilitas Komitmen - Bersih (563.360) (475.721) Total Commitment Liabilities - Net
Kontingensi / Contingencies
Liabilitas Kontingensi Contingent Liabilities
Rupiah Rupiah
Bank Garansi 590.654 482.393 Bank Guarantee
Bunga Kredit dalam Penyelesaian - 8.291 Past-Due Interest Income
Jumlah 590.654 490.684 Total
Ikatan Material terkait Investasi Barang Modal
Material Commitments related to Capital Goods Investment
Selama tahun 2025, seluruh kegiatan investasi barang Throughout 2025, all of the Bank’s capital goods
modal Bank dilaksanakan secara mandiri tanpa terikat pada investments were carried out independently, without
perjanjian material jangka panjang dengan pihak ketiga. being bound by any material long-term agreements with
Pendanaan investasi dilakukan berdasarkan alokasi internal third parties. Investment funding was based on internally
yang telah direncanakan, mencerminkan pendekatan planned allocations, reflecting a prudential approach
kehati-hatian dalam pengelolaan belanja modal serta to capital expenditure management and flexibility in
fleksibilitas dalam pengambilan keputusan investasi. investment decision-making.
2025 Annual Report | PT Bank Capital Indonesia Tbk 121
Page 124
Investasi Barang Modal
Capital Goods Investment
Bank Capital secara konsisten memperkuat kapasitas Bank Capital consistently strengthens its operational
operasional melalui investasi strategis pada aset tetap. capacity through strategic investments in fixed
Upaya ini diarahkan untuk mendukung keberlangsungan assets. These efforts are aimed at supporting business
kegiatan usaha, meningkatkan efisiensi, sekaligus continuity, enhancing efficiency, and promoting
mendorong pertumbuhan yang berkelanjutan. sustainable growth.
Investasi barang modal yang dilakukan meliputi Capital goods investments include the renewal of
pembaruan infrastruktur perbankan, pengembangan banking infrastructure, technology development,
teknologi, serta peningkatan sarana dan prasarana and the improvement of operational facilities and
operasional. Dengan langkah tersebut, Bank infrastructure. Through these initiatives, the Bank is
berkomitmen menghadirkan layanan yang lebih inovatif, committed to delivering more innovative, faster, and
cepat, dan aman bagi nasabah maupun pemangku secure services to customers and stakeholders.
kepentingan.
Sebagai bagian dari strategi jangka panjang, setiap As part of its long-term strategy, each capital goods
investasi barang modal dirancang untuk memberikan investment is designed to provide added value in terms
nilai tambah berupa peningkatan produktivitas, efisiensi of increased productivity, operational efficiency, and
operasional, serta penguatan daya saing di industri enhanced competitiveness in the banking industry.
perbankan. Rincian realisasi investasi barang modal The details of capital goods investment realizations over
dalam 2 tahun terakhir sebagai berikut: the past 2 years are as follows:
(dalam jutaan Rupiah / in millions of Rupiah)
Uraian 2025 2024 Description
Bangunan dan Prasarana 5.948 594 Buildings and Facilities
Inventaris dan Perlengkapan Kantor 11.159 3.163 Office Supplies and Fixtures
Peralatan Kantor 2.248 228 Office Equipment
Kendaraan 243 187 Vehicles
Aset Sewa Gedung 4.196 5.174 Building Lease
Aset Sewa Kendaraan 9.676 35.142 Vehicles Lease
Jumlah 33.470 44.488 Total
122 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Derivatif dan Fasilitas Lindung Nilai
Derivatives and Hedging Facilities
Dalam rangka menjaga stabilitas keuangan dan In order to maintain financial stability and minimize
meminimalkan dampak volatilitas pasar, Bank Capital the impact of market volatility, Bank Capital utilizes
memanfaatkan instrumen derivatif serta fasilitas derivative instruments and hedging facilities as part
lindung nilai sebagai bagian dari strategi pengelolaan of its risk management strategy. The instruments
risiko. Instrumen yang digunakan meliputi kontrak spot, employed include spot, forward, swap, and option
forward, swap, maupun opsi, yang berfungsi untuk contracts, which serve to manage exposures to changes
mengelola eksposur terhadap perubahan nilai tukar dan in exchange rates and interest rates while supporting
suku bunga sekaligus mendukung pengelolaan likuiditas optimal liquidity management.
yang optimal.
Seluruh aktivitas lindung nilai dijalankan secara All hedging activities are conducted prudently in
hati-hati dengan mengacu pada ketentuan Otoritas accordance with the regulations of the Financial Services
Jasa Keuangan dan Bank Indonesia. Pendekatan ini Authority and Bank Indonesia. This approach ensures
memastikan bahwa setiap transaksi derivatif yang that every derivative transaction remains aligned with
dilakukan tetap sejalan dengan kebijakan manajemen the Bank’s risk management policies and contributes
risiko Bank serta berkontribusi pada keberlanjutan to the sustainability of financial performance. Details
kinerja keuangan. Rincian transaksi spot dan derivatif of Bank Capital’s spot and derivative transactions are
Bank Capital dapat dilihat pada tabel berikut: presented in the following table:
(dalam jutaan Rupiah / in millions of Rupiah)
Individual
Individual
Transaksi Tujuan Tagihan dan Liabilitas Derivatif
Transaction Purpose Derivative Receivables and Liabilities
Nilai Notional
Notional Amount
Tagihan Liabilitas
Trading Hedging
Receivables Liabilities
31 Desember 2025 / 31 December 2025
Terkait dengan Nilai Tukar / Related to Exchange Rates
Spot - - - - -
Forward - - - - -
Option - - - - -
a. Jual / Sell - - - - -
b. Beli / Buy - - - - -
Future - - - - -
Swap 33.580 33.580 - - 10
Lainnya / Others - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 123
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Individual
Individual
Transaksi Tujuan Tagihan dan Liabilitas Derivatif
Transaction Purpose Derivative Receivables and Liabilities
Nilai Notional
Notional Amount
Tagihan Liabilitas
Trading Hedging
Receivables Liabilities
Terkait dengan Suku Bunga / Related to Interest Rate
Forward - - - - -
Option - - - - -
a. Jual / Sell - - - - -
b. Beli / Buy - - - - -
Future - - - - -
Swap - - - - -
Lainnya / Others - - - - -
Jumlah / Total 33.580 33.580 - - 10
31 Desember 2024 / 31 December 2024
Terkait dengan Nilai Tukar / Related to Exchange Rates
Spot 519.589 519.589 - 492 838
Forward - - - - -
Option - - - - -
a. Jual / Sell - - - - -
b. Beli / Buy - - - - -
Future - - - - -
Swap 869.329 869.329 - 2.229 2.178
Lainnya / Others - - - - -
Terkait dengan Suku Bunga / Related to Interest Rate
Forward - - - - -
Option - - - - -
a. Jual / Sell - - - - -
b. Beli / Buy - - - - -
Future - - - - -
Swap - - - - -
Lainnya / Others - - - - -
Jumlah / Total 1.388.917 1.388.917 - 2.721 3.016
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Perbandingan Target dan Realisasi [POJK F.2]
Comparison of Target and Realization
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Rencana Bisnis
Bank 2025 Pencapaian
Uraian Realisasi 2025
Achievement 2024 2023
Description Bank Business 2025 Realization (%)
Plan 2025
Kinerja Keuangan / Financial Performance
Jumlah Aset
31.488.718 28.038.356 89,04 22.591.205 19.259.187
Total Assets
Jumlah Liabilitas
24.917.902 21.283.492 85,41 15.968.188 15.868.867
Total Liabilities
Jumlah Ekuitas
6.570.816 6.754.864 102,80 6.623.017 3.390.320
Total Equity
Pendapatan Bunga
1.603.202 1.491.241 93,02 4.888.773 4.203.236
Interest Income
Beban Bunga
(1.088.679) (937.643) 86,13 (4.794.025) (4.339.411)
Interest Expense
Pendapatan (Beban) Bunga - Neto
514.523 553.598 107,59 94.748 (136.175)
Net Interest Income (Expense)
Pendapatan Operasional Lainnya
671.297 654.887 97,56 56.456 144.164
Other Operating Income
Laba Operasional
212.311 182.527 85,97 151.204 145.436
Operating Profit
Beban Non-Operasional - Neto
(8.667) (19.271) 223,35 (7.715) (14.796)
Non-Operating Expense - Net
Laba Sebelum Beban Pajak
203.644 163.256 80,17 143.489 130.640
Profit Before Income Tax
Laba Bersih Tahun Berjalan
158.842 125.985 79,31 109.378 101.767
Net Income for the Year
Kinerja Operasional / Operational Performance
Dana Pihak Ketiga
21.236.026 18.254.018 85,96 12.572.261 12.518.423
Third Party Funds
Penyaluran Kredit
15.835.474 11.035.791 69,69 7.794.763 7.022.083
Loan Disbursement
Struktur Modal / Capital Structure
Kewajiban Penyediaan Modal Minimum
untuk Risiko Kredit dan Risiko
Operasional (%)
33,61 38,16 113,54 41,29 35,61
Minimum Capital Adequacy Requirement
for Credit and
Operational Risk (%)
Kewajiban Penyediaan Modal Minimum
untuk Risiko Kredit, Risiko Operasional,
dan Risiko Pasar (%)
32,04 36,86 115,06 40,08 35,57
Minimum Capital Adequacy Requirement
for Credit, Operational, and Market Risk
(%)
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Perbandingan Target dan Realisasi pada Instrumen
Keuangan atau Proyek yang Sejalan dengan
Keuangan Berkelanjutan [POJK F.3]
Comparison of Target and Realization of Financial Instruments or
Projects in Line with Sustainable Finance
Realisasi Rencana Aksi Keuangan Berkelanjutan
Realization of Sustainable Finance Action Plans
(dalam jutaan Rupiah / in millions of Rupiah)
Kategori Kegiatan Usaha
Realisasi Realisasi Realisasi
Uraian Berkelanjutan
Description Sustainable Business Activities Realization Realization Realization
2025 2024 2023
Categories
Penghimpunan Dana yang Memenuhi
Kriteria Kegiatan Usaha Berkelanjutan
- - -
Fund Raising that Meets Sustainable
Business Activity Criteria
Penyaluran Dana: Energi Terbarukan
312 408 450
Kredit/Pembiayaan Kegiatan Renewable Energy
Usaha Berkelanjutan
Efisiensi Energi
Disbursement of Funds: - - -
Energy Efficiency
Sustainable Business Activity Loans/
Financing Pencegahan dan Pengendalian Polusi
Pollution Prevention - - -
and Control
Pengelolaan Sumber Daya Alam
Hayati dan Penggunaan Lahan yang
Berkelanjutan - - -
Sustainable Management of Biological
Resources and Land Use
Transportasi Ramah Lingkungan
- - -
Environmentally Friendly Transportation
Pengelolaan Air dan Air Limbah yang
Berkelanjutan
- - -
Sustainable Water and Wastewater
Management
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kategori Kegiatan Usaha
Realisasi Realisasi Realisasi
Uraian Berkelanjutan
Description Sustainable Business Activities Realization Realization Realization
2025 2024 2023
Categories
Penyaluran Dana: Adaptasi Perubahan Iklim
Kredit/Pembiayaan Kegiatan - - -
Climate Change Adaptation
Usaha Berkelanjutan
Disbursement of Funds: Produk yang dapat Mengurangi
Sustainable Business Activity Loans/ Penggunaan Sumber Daya dan
Financing Menghasilkan Lebih Sedikit Polusi
(Ecoefficient) - - -
Products that Reduce Resource
Usage and Generate Less Pollution
(Ecoefficient)
Bangunan Berwawasan Lingkungan yang
Memenuhi Standar atau Sertifikasi yang
Diakui Secara Nasional, Regional, atau
Internasional - - -
Environmentally Conscious Buildings that
Meet National, Regional, or International
Standards or Certifications
Kegiatan Usaha
dan/atau Kegiatan Lain yang Berwawasan
Lingkungan Lainnya - - -
Other Environmentally Conscious
Business and/or Activities
Kegiatan UMKM
- - -
MSME Activities
Penyaluran Dana:
Non-Kredit/Non-Pembiayaan Kegiatan
Usaha Berkelanjutan
11.073.702 7.832.246 7.053.536
Disbursement of Funds:
Sustainable Business Activities Non-
Loans/Non-Financing
Total Kredit/Pembiayaan Bank
11.074.005 7.832.654 7.053.986
Total Bank Loans/Financing
Pada tahun 2025, realisasi penyaluran kredit Perseroan In 2025, the Company’s total loan disbursement reached
secara keseluruhan mencapai Rp11,07 triliun dari target Rp11.07 trillion out of a target of Rp14.27 trillion, or equal
sebesar Rp14,27 triliun, atau setara dengan 77,62% dari to 77.62% of the set target. From the total realization,
target yang ditetapkan. Dari total realisasi tersebut, a portion of the financing has been directed to sectors
sebagian pembiayaan telah diarahkan pada sektor supporting the Sustainable Finance, including financing
yang mendukung Keuangan Berkelanjutan, termasuk for renewable energy-related activities. It reflects the
pembiayaan pada kegiatan usaha energi terbarukan. Company’s commitment not only to sustain prudent and
Hal ini mencerminkan komitmen Perseroan untuk tidak quality credit growth, but also to increasing contribution
hanya menjaga pertumbuhan kredit secara prudent to sustainable development through provision of
dan berkualitas, tetapi juga meningkatkan kontribusi financing support for environmentally friendly sectors
terhadap pembangunan berkelanjutan melalui dukungan providing positive socio-economic impact.
pembiayaan pada sektor-sektor yang ramah lingkungan
dan memiliki dampak sosial-ekonomi positif.
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Proyeksi Tahun 2026
2026 Projection
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Proyeksi 2026
Uraian Description
2026 Projection
Kinerja Keuangan / Financial Performance
Jumlah Aset 31.412.928 Total Assets
Jumlah Liabilitas 24.610.745 Total Liabilities
Jumlah Ekuitas 6.802.183 Total Equity
Pendapatan Bunga 2.026.224 Interest Income
Beban Bunga (1.188.912) Interest Expense
(Beban) Pendapatan Bunga - Neto 837.312 Net Interest Income (Expense)
Pendapatan Operasional Lainnya 532.040 Other Operating Income
Laba Operasional 178.371 Operating Profit
Pendapatan dan Beban Non-Operating Income and
(17.121)
Non-Operasional - Neto Expense - Net
Laba Sebelum Beban Pajak Penghasilan 161.250 Income Before Income Tax
Laba Bersih 125.775 Net Profit
Struktur Modal / Capital Structure
Kewajiban Penyediaan Modal Minimum untuk CAR for Credit Risk and
24,69
Risiko Kredit dan Risiko Operasional (%) Operational Risk (%)
Kewajiban Penyediaan Modal Minimum
CAR for Credit Risk, Operational Risk,
untuk Risiko Kredit, Risiko Operasional, 24,22
and Market Risk (%)
dan Risiko Pasar (%)
Kebijakan Dividen / Dividend Policy
Pembagian Dividen - Dividend Distribution
Informasi Material Investasi, Ekspansi, Divestasi,
Penggabungan/Peleburan Usaha, Akuisisi, dan
Restrukturisasi Utang/Modal
Material Information on Investment, Expansion, Divestment, Business
Merger/Consolidation, Acquisition, and Debt/Capital Restructuring
Pada periode 2025, Bank tidak melakukan investasi, In 2025, the Bank did not engage in any investment,
ekspansi, divestasi, penggabungan/peleburan usaha, expansion, divestment, merger acquisition, or
akuisisi, dan restrukturisasi utang/modal. debt/capital restructuring activities.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
2025 Annual Report | PT Bank Capital Indonesia Tbk 129
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Larangan, Batasan, dan/atau Hambatan Signifikan untuk Melakukan Transfer Dana antara Bank dan Entitas Lain dalam Satu Kelompok Usaha Prohibitions, Limitations, and/or Significant Obstacles to Transfer Funds between the Bank and Other Entities in the Same Business Group Bank Capital tidak menghadapi pembatasan operasional Bank Capital does not encounter any significant yang signifikan dalam pelaksanaan transfer dana nasabah, operational restrictions in carrying out customer fund baik untuk transaksi masuk maupun keluar, termasuk transfers, either incoming or outgoing transactions, dengan entitas lain dalam satu kelompok usaha. Seluruh including with other entities within the same business aktivitas tersebut dijalankan sesuai ketentuan regulator group. All such activities are conducted in accordance dan kebijakan internal Bank, dengan tetap menjunjung with regulatory requirements and the Bank’s internal tinggi prinsip transparansi serta memastikan kepatuhan policies, while upholding the principle of transparency penuh terhadap regulasi yang berlaku. and ensuring full compliance with applicable regulations. Informasi Material yang Terjadi setelah Tanggal Laporan Akuntan Material Information After the Accountant’s Report Date Tidak terdapat informasi dan fakta material setelah There is no material information and facts after tanggal laporan akuntan. the accountant reporting date. Perubahan Peraturan Perundang-Undangan yang Berpengaruh terhadap Bank Changes in Laws and Regulations Affecting the Bank Pada tahun 2025, tidak terdapat perubahan peraturan In 2025, there was no changes in laws and regulations undang-undang yang berdampak signifikan terhadap that had a significant impact on the Bank. Bank. 130 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kebijakan dan Pembagian Dividen
Dividend Policy and Distribution
Kebijakan Dividen Dividend Policy
Kebijakan pembagian dividen Bank Capital ditetapkan Bank Capital’s dividend distribution policy is determined
melalui keputusan RUPS Tahunan, dengan berlandaskan through resolutions of the Annual GMS, based on
pada ketentuan peraturan perundang-undangan yang the prevailing laws and regulations. The determination
berlaku. Penetapan jumlah dan waktu pembayaran of the amount and timing of dividend payments takes
dividen dilakukan dengan mempertimbangkan berbagai into account various strategic considerations, including
aspek strategis, antara lain kecukupan modal, stabilitas capital adequacy, financial stability, and funding
keuangan, serta kebutuhan pendanaan untuk ekspansi requirements for future business expansion.
usaha di masa mendatang.
Bank Capital juga menerapkan fleksibilitas dalam Bank Capital also applies flexibility in its dividend policy,
kebijakan dividen, khususnya apabila diperlukan particularly when fund allocation is required for business
pengalokasian dana bagi pengembangan bisnis, development, strengthening the capital structure,
penguatan struktur permodalan, maupun peluang or pursuing strategic acquisition opportunities. All
akuisisi strategis. Seluruh penyesuaian dilakukan sesuai adjustments are made in accordance with the Bank’s
dengan Anggaran Dasar Bank, dengan tetap menjaga Articles of Association, while maintaining a balance
keseimbangan antara kepentingan Pemegang Saham between Shareholders’ interests and long-term
dan keberlanjutan pertumbuhan jangka panjang. sustainable growth.
Pembagian Dividen Dividend Distribution
Pada pelaksanaan RUPS Tahunan tahun 2024 dan At the Annual GMS held in 2024 and 2025, Bank Capital
2025, Bank Capital menetapkan keputusan untuk tidak resolved not to distribute dividends to its Shareholders.
melakukan pembagian dividen kepada para Pemegang
Saham.
Realisasi Penggunaan Dana Hasil
Penawaran Umum
Realization of Use of Funds from Public Offering
Seluruh dana yang diperoleh dari penawaran umum telah All funds obtained from the public offering were fully
direalisasikan secara penuh pada tahun 2024 sesuai utilized in 2024 in accordance with the allocations
dengan alokasi yang tercantum dalam prospektus. stated in the prospectus. The realization of the use
Realisasi penggunaan dana tersebut juga telah of these funds was also reported in the same period,
dilaporkan pada periode yang sama, sejalan dengan in line with applicable regulatory provisions. To date,
ketentuan peraturan yang berlaku. Hingga saat ini, Bank the Bank has no additional information regarding the
tidak memiliki informasi tambahan terkait penggunaan use of the proceeds from the public offering.
dana hasil penawaran umum tersebut.
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Informasi Transaksi Material yang Mengandung
Benturan Kepentingan
Information on Material Transactions Involving Conflicts of Interest
Sepanjang tahun buku 2025, Bank tidak melakukan Throughout the 2025 fiscal year, the Bank did not
transaksi yang mengandung potensi benturan kepentingan. engage in any transactions involving potential conflicts
Seluruh aktivitas transaksi dijalankan berdasarkan prinsip of interest. All transactions were conducted based on
kewajaran dan kesetaraan, dengan memperhatikan the principles of fairness and equality, with due regard
kepentingan terbaik Bank sebagaimana halnya transaksi to the best interests of the Bank, as would apply to
yang dilakukan dengan pihak independen. transactions carried out with independent parties.
Transaksi dengan Pihak Afiliasi
Transactions with Affiliated Parties
Pada tahun 2025, seluruh aktivitas usaha Bank dijalankan In 2025, all of the Bank’s business activities were
tanpa keterlibatan transaksi dengan pihak afiliasi. conducted without the involvement of transactions
Independensi operasional dan finansial dijaga secara with affiliated parties. Operational and financial
konsisten sebagai bagian dari komitmen terhadap independence was consistently maintained as part of
prinsip transparansi, integritas bisnis, serta kepatuhan the commitment to the principles of transparency,
terhadap ketentuan yang berlaku. business integrity, and compliance with applicable
regulations.
Transaksi dengan Pihak Berelasi
Transactions with Related Parties
Dalam menjalankan aktivitas usaha, Bank Capital In conducting its business activities, Bank Capital
melakukan interaksi dan transaksi dengan pihak-pihak engages in interactions and transactions with
berelasi. Seluruh transaksi tersebut dilaksanakan sesuai related parties. All such transactions are carried
ketentuan yang berlaku, dengan mengedepankan asas out in accordance with applicable regulations, with
keterbukaan serta prinsip GCG. Rincian mengenai due emphasis on the principles of transparency and
karakteristik dan detail transaksi dengan pihak berelasi GCG. Details on the characteristics and particulars
telah disajikan secara lengkap dalam Laporan Keuangan, of transactions with related parties are fully disclosed
khususnya pada Catatan atas Laporan Keuangan Nomor in the Financial Statements, particularly in Note to
35 tentang Sifat dan Transaksi Pihak-Pihak Berelasi. the Financial Statements Number 35 on the Nature and
Transactions of Related Parties.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Transaksi dengan Pihak-Pihak Berelasi dan Transactions with Related Parties and
Kewajaran Transaksi Fairness of Transaction
Sepanjang tahun 2025, seluruh transaksi Bank Capital Throughout 2025, all transactions between Bank Capital
dengan pihak berelasi dilaksanakan secara wajar sesuai and related parties were conducted fairly in accordance
prinsip arm’s length dan tetap mengacu pada ketentuan with the arm’s length principle and in compliance with
hukum yang berlaku. Setiap transaksi dilakukan applicable laws and regulations. Each transaction was
semata-mata untuk mendukung kepentingan bisnis carried out solely to support the Bank’s business interests
Bank serta dipastikan bebas dari benturan kepentingan. and was ensured to be free from any conflicts of interest.
Pemenuhan Peraturan dan Compliance with Relevant Regulations
Ketentuan Terkait and Provisions
Bank telah memenuhi peraturan dan ketentuan terkait: The Bank has complied with the following regulations
and provisions:
1. Peraturan Otoritas Jasa Keuangan Nomor 1. Financial Services Authority Regulation Number
17/POJK.04/2020 tanggal 20 April 2020 tentang 17/POJK.04/2020 dated 20 April 2020 concerning
Transaksi Material dan Perubahan Kegiatan Usaha; Material Transactions and Changes in Business
dan Activities; and
2. Peraturan Otoritas Jasa Keuangan Nomor 2. Financial Services Authority Regulation Number
42/POJK/04/2020 tanggal 1 Juli 2020 tentang 42/POJK.04/2020 dated 1 July 2020 concerning
Transaksi Afiliasi dan Transaksi Benturan Kepentingan. Affiliated Transactions and Conflict of Interest
Transactions.
Pernyataan Direksi, Dewan Komisaris, dan Statement of the Board of Commissioners,
Komite Audit Board of Directors, and Audit Committee
Direksi menyatakan bahwa transaksi dengan pihak The Board of Directors declares that transactions with
berelasi telah melalui prosedur yang memadai untuk related parties have undergone adequate procedures
memastikan bahwa transaksi dilaksanakan sesuai to ensure that the transactions were carried out in
dengan praktik bisnis yang berlaku umum, antara lain accordance with generally accepted business practices,
dilakukan dengan memenuhi prinsip transaksi yang wajar including adherence to the arm’s length principle and
(arm’s length principle dan Know Your Customer/ Know Your Customer (KYC) requirements. In addition,
KYC). Selain itu, Dewan Komisaris dan Komite Audit the Board of Commissioners and the Audit Committee
memastikan bahwa transaksi dengan pihak berelasi confirm that transactions with related parties were
telah sesuai dengan ketentuan yang berlaku. conducted in accordance with applicable regulations.
Perubahan Kebijakan Akuntansi
Changes in Accounting Policies
Pada tahun 2025, tidak terdapat perubahan kebijakan In 2025, there was no change in the accounting
akuntansi yang berdampak signifikan terhadap Laporan policies with significant impact to the Bank’s Financial
Keuangan Bank. Statements.
2025 Annual Report | PT Bank Capital Indonesia Tbk 133
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Prospek Usaha 2026 Business Prospects for 2026 Prospek industri perbankan nasional pada tahun 2026 The prospects of national banking industry in 2026 dihadapkan pada dinamika eksternal yang semakin is expected to face increasingly challenging external menantang, seiring meningkatnya ketidakpastian dynamics, following the increasing global uncertainty global akibat eskalasi konflik di Timur Tengah. Kondisi driven by the escalation of conflicts in the Middle East. tersebut berdampak pada perlambatan pertumbuhan Such conditions are leading to slower global economic ekonomi dunia yang diprakirakan menurun menjadi growth, estimated to decline to around 3.1%, along sekitar 3,1%, disertai peningkatan tekanan inflasi global with increasing global inflationary pressures reaching hingga mencapai kisaran 4,1%. Memburuknya kondisi ini around 4.1%. The worsening condition has also triggered turut memicu volatilitas pasar keuangan internasional, volatility in international financial markets, as reflected yang ditandai dengan penguatan dolar Amerika Serikat, in the strengthening of US dollar, rising US Treasury kenaikan yield US Treasury, serta meningkatnya yield, as well as increasing capital outflows from aliran modal keluar dari negara berkembang. Situasi the emerging markets. These situations may potentially tersebut berpotensi menekan stabilitas nilai tukar press the exchange rate stability and limiting dan mempersempit ruang pelonggaran kebijakan the room for global monetary policy easing. moneter global. Di tengah tekanan global tersebut, prospek perekonomian Amidst the global pressures, Indonesia’s economic Indonesia tetap menunjukkan ketahanan yang relatif outlook still shows relatively good resilient, with baik, dengan pertumbuhan ekonomi diprakirakan berada economic growth projected to be within the range dalam kisaran 4,9% - 5,7%. Stabilitas ini didukung oleh of 4.9% - 5.7%. This stability is backed by strong kuatnya permintaan domestik, serta sinergi kebijakan domestic demand, as well as policy synergy between antara pemerintah, Bank Indonesia, dan otoritas terkait the Government, Bank Indonesia, and relevant dalam menjaga stabilitas makroekonomi sekaligus authorities to maintain macroeconomic stability while mendorong pertumbuhan. Upaya menjaga keyakinan pushing for growth. Efforts to sustain confidence pelaku usaha dan konsumsi rumah tangga menjadi of business actors and household consumption are faktor penting dalam mempertahankan momentum the key factors in preserving national economic growth pertumbuhan ekonomi nasional. momentum. Bagi industri perbankan, kondisi tersebut menghadirkan For the banking industry, these conditions present tantangan sekaligus peluang. Dari sisi likuiditas dan both challenges and opportunities. In terms of liquidity permodalan, sektor perbankan diproyeksikan tetap solid and capital, banking sector is projected to remain dengan rasio kecukupan modal (Capital Adequacy solid, backed by high Capital Adequacy Ratio (CAR) Ratio/CAR) yang tinggi serta risiko kredit yang terjaga, and well-maintained credit risk, as reflected in a low tercermin dari rasio kredit bermasalah (Non-Performing Non-Performing Loan (NPL) ratio that remain low. Loan/NPL) yang tetap rendah. Ketahanan ini memberikan This resilience provides room for banks to keep on ruang bagi perbankan untuk tetap menjalankan fungsi performing their intermediation function optimally amid intermediasi secara optimal di tengah tekanan eksternal. external pressures. Pertumbuhan kredit perbankan pada tahun 2026 In 2026, banking credit growth is projected to be within diperkirakan berada pada kisaran 8%–12%, didorong oleh the 8% - 12% range, supported by adequate financing kapasitas pembiayaan yang memadai serta permintaan capacity as well as sustained financing demand. pembiayaan yang tetap terjaga. Optimalisasi penyaluran The optimization of credit disbursement, including kredit, termasuk pemanfaatan fasilitas pinjaman yang utilization of undisbursed loan facilities, become one of belum digunakan (undisbursed loan), menjadi salah satu the key growth drivers. In addition, the Macroprudential faktor pendorong pertumbuhan. Selain itu, kebijakan Liquidity Incentive policy, which is focused on priority Insentif Likuiditas Makroprudensial yang difokuskan sectors such as agriculture, industry, downstream, pada sektor-sektor prioritas, seperti pertanian, industri, services, construction, housing, and MSMEs, is expected 134 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
hilirisasi, jasa, konstruksi, perumahan, serta UMKM, to be able to enhance the effectiveness of financing
diharapkan mampu meningkatkan efektivitas penyaluran distribution and support an inclusive economic growth.
pembiayaan dan mendukung pertumbuhan ekonomi
yang inklusif.
Di sisi lain, transmisi kebijakan moneter yang lebih On the other hand, transmission of a more
akomodatif masih menghadapi tantangan, tercermin accommodative monetary policy still faces some
dari penurunan suku bunga kredit yang relatif terbatas challenges, as reflected in the relatively limited decline
dibandingkan dengan penurunan suku bunga kebijakan. in lending rates compared to reduction in policy rates.
Oleh karena itu, upaya penguatan transmisi kebijakan, Accordingly, efforts to strengthen policy transmission,
termasuk penyesuaian suku bunga dana dan kredit, including adjustments between the funding and lending
menjadi krusial untuk mendorong permintaan kredit rates, are crucial to stimulate higher credit demand.
yang lebih tinggi.
Perkembangan ekonomi dan keuangan digital juga The development of digital economy and financial
menjadi salah satu pendorong utama pertumbuhan technology also one of the key drivers of growth in
industri perbankan. Tingginya pertumbuhan transaksi the banking industry. The strong growth in digital
pembayaran digital mencerminkan percepatan payment transactions reflects the acceleration of
digitalisasi layanan keuangan, yang membuka peluang financial services digitalization, opening up opportunities
bagi perbankan untuk memperluas basis nasabah, for banks to expand their customer base, improve
meningkatkan efisiensi operasional, serta memperkuat their operational efficiency, as well as strengthen their
inklusi keuangan. financial inclusion.
Ke depan, industri perbankan nasional diproyeksikan Going forward, the national banking industry is
tetap resilien dengan dukungan kebijakan moneter dan projected to remain resilient, with the support of
makroprudensial yang adaptif, sinergi kebijakan lintas adaptive monetary and macroprudential policies, policy
otoritas, serta penguatan sistem pembayaran yang andal. synergy across authorities, and robust payment system.
Namun demikian, perbankan perlu tetap mewaspadai However, banks must remain vigilant of various external
berbagai risiko eksternal, khususnya terkait volatilitas risks, particularly those related to the global financial
pasar keuangan global, tekanan terhadap nilai tukar, serta market volatility, exchange rate pressures, as well as
potensi peningkatan risiko kredit pada segmen tertentu. the potential increase in credit risk in certain segments.
Dengan pengelolaan risiko yang prudent dan strategi With prudent risk management and adaptive business
bisnis yang adaptif, industri perbankan nasional diyakini strategies, the national banking industry is believed to
mampu menjaga kinerja yang berkelanjutan serta terus be able to maintain sustainable performance and keep
berkontribusi dalam mendukung pertumbuhan ekonomi on contributing to Indonesia’s economic growth.
Indonesia.
Sumber: Sources:
Bank Indonesia: BI-Rate Tetap 4,75%: Mempertahankan Stabilitas, Mendorong Bank Indonesia: BI Rate Remained at 4.75%: Maintaining Stability, Driving
Pertumbuhan Ekonomi. Economic Growth Forward.
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Kebijakan Pengembangan TI IT Development Policy Dalam menghadapi persaingan industri perbankan yang In responding to increasingly dynamic competition in kian dinamis, Bank Capital menempatkan Teknologi the banking industry, Bank Capital positions Information Informasi (TI) sebagai pilar utama dalam mendukung Technology (IT) as a key pillar in supporting its growth strategi pertumbuhan dan memperkuat daya saing. strategy and strengthening competitiveness. IT functions TI berfungsi tidak hanya sebagai sarana untuk not only as a means to accelerate transaction services, mempercepat layanan transaksi, tetapi juga sebagai but also as a strategic instrument for decision-making instrumen strategis dalam pengambilan keputusan serta and enhancing the quality of customer experience. peningkatan kualitas pengalaman nasabah. Komitmen terhadap inovasi tercermin melalui The commitment to innovation is reflected in pengembangan aplikasi dan layanan digital yang adaptif the development of digital applications and services that terhadap kebutuhan nasabah modern. Dengan investasi are adaptive to the needs of modern customers. Through berkelanjutan pada infrastruktur teknologi, Bank Capital continuous investment in technological infrastructure, memastikan layanan yang aman, cepat, dan efisien, Bank Capital ensures secure, fast, and efficient services, sehingga mampu menjadi mitra finansial terpercaya thereby reinforcing its role as a trusted financial partner bagi masyarakat. for the community. Fokus pengembangan TI mencakup peningkatan kualitas The focus of IT development includes improving service layanan, penguatan dukungan terhadap tujuan strategis quality, strengthening support for strategic objectives sebagai bank komersial, serta pengelolaan data center as a commercial bank, and managing the data center in sesuai standar yang ditetapkan Otoritas Jasa Keuangan. accordance with standards set by the Financial Services Selain itu, Bank juga mengoperasikan business continuity Authority. In addition, the Bank operates a business plan yang terintegrasi dengan disaster recovery center continuity plan integrated with a real-time disaster berbasis real-time untuk menjamin keberlangsungan recovery center to ensure uninterrupted operational operasional tanpa hambatan. continuity. Pengembangan TI Tahun 2025 IT Development Policy in 2025 Sepanjang tahun 2025, Bank Capital menegaskan Throughout 2025, Bank Capital reaffirmed its komitmen dalam memperkuat pertumbuhan bisnis commitment to strengthening business growth while sekaligus meningkatkan kualitas layanan kepada enhancing the quality of customer service through IT nasabah melalui pengembangan TI. Berbagai inisiatif development. Various IT system enhancement initiatives pemutakhiran sistem TI telah diimplementasikan guna were implemented to respond to changes in the banking merespons perubahan lanskap industri perbankan serta industry landscape and to address increasingly dynamic menjawab kebutuhan pasar yang semakin dinamis. market demands. Langkah-langkah strategis yang ditempuh Bank dalam The strategic measures undertaken by the Bank in IT pengembangan TI tersebut, antara lain: development include, among others: 1. Modernisasi Infrastruktur 1. Infrastructure Upgrading Bank Capital telah mengimplementasikan teknologi Bank Capital has implemented the latest technology terbaru dan melakukan peremajaan perangkat and upgraded hardware to enhance performance hardware guna meningkatkan kinerja dan efisiensi and operational efficiency. operasional. 138 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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2. Peningkatan Keamanan Siber 2. Cybersecurity Enhancement
Untuk menghadapi ancaman siber yang semakin To address increasingly complex cyber threats,
kompleks, Bank menerapkan serangkaian kebijakan the Bank has implemented a series of cybersecurity
keamanan siber, termasuk penguatan sistem enkripsi, policies, including strengthened encryption systems,
pemantauan ancaman real-time, serta peningkatan real-time threat monitoring, and improved system
ketahanan sistem terhadap serangan siber. resilience against cyberattacks.
3. Transformasi Digital 3. Digital Transformation
Sebagai bagian dari strategi digitalisasi, Bank As part of its digitalization strategy, Bank Capital has
Capital telah mengoptimalkan proses bisnis dengan optimized business processes by introducing new
menghadirkan berbagai fitur baru pada internet features in business internet banking and mobile
banking bisnis serta mobile banking (Capital Flex). banking (Capital Flex).
4. Peningkatan Layanan Call Center 4. Call Center Service Improvement
Bank juga telah menerapkan sistem call center yang The Bank has also implemented a more integrated
lebih terintegrasi, guna meningkatkan responsivitas call center system to enhance responsiveness and
dan kualitas layanan kepada nasabah. service quality for customers.
Arsitektur TI
IT Architecture
Bank Capital memiliki arsitektur TI yang terstruktur dan Bank Capital has a structured and integrated IT
terintegrasi untuk mendukung pencapaian strategi architecture to support the achievement of business
bisnis, meningkatkan efisiensi operasional, serta strategies, enhance operational efficiency, and ensure
memastikan keandalan dan keamanan sistem informasi. the reliability and security of information systems.
Arsitektur TI dirancang dengan mengacu pada prinsip The IT architecture is designed with due regard to
kehati-hatian, keselarasan antara kebutuhan bisnis the principles of prudence, alignment between business
dan teknologi, serta kepatuhan terhadap ketentuan needs and technology, and compliance with regulatory
regulator. requirements.
Perencanaan Arsitektur TI IT Architecture Planning
Perencanaan arsitektur TI dilakukan secara sistematis IT architecture planning is carried out in a systematic
melalui penyusunan rencana strategis TI yang selaras manner through the formulation of an IT strategic plan
dengan rencana bisnis bank. Proses ini mencakup that is aligned with the bank's business plan. This process
identifikasi kebutuhan bisnis, evaluasi kapasitas sistem includes the identification of business needs, evaluation
yang ada, pemetaan risiko TI, serta penetapan prioritas of existing system capacity, mapping of IT risks, and
pengembangan teknologi. Perencanaan dilakukan the determination of technology development priorities.
dengan mempertimbangkan keberlanjutan operasional, The planning process takes into account operational
skalabilitas sistem, dan kesiapan Bank dalam sustainability, system scalability, and the Bank’s
menghadapi perkembangan teknologi serta dinamika readiness to respond to technological developments
industri perbankan. and the dynamics of the banking industry.
Sehubungan dengan hal tersebut, Rencana Strategis In relation to this, the Bank’s 2025-2030 Information
Teknologi Informasi (RSTI) Bank untuk tahun 2026-2030 Technology Strategic Plan (RSTI) has been prepared
disusun dengan mengacu pada Rencana Bisnis Bank by referring to the Bank’s Strategic Plan (RBB) for
(RBB) Tahun 2026-2030, sehingga arah pengembangan 2026-2030, allowing the direction of IT development
TI dapat selaras dengan strategi bisnis dan prioritas to be in line with the Bank’s business strategy and
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pengembangan Bank pada periode tersebut. Dengan development priorities for the period. Accordingly,
demikian, perencanaan dan implementasi inisiatif the planning and implementation of IT initiatives can
TI diharapkan dapat secara optimal mendukung be optimally support the achievement of the Bank’s
pencapaian target bisnis Bank, meningkatkan efisiensi business targets, improve operational efficiency, and
operasional, serta memperkuat pengelolaan risiko TI. strengthen IT risk management.
Desain Arsitektur TI IT Architecture Design
Tahap desain arsitektur TI dilakukan dengan merancang The IT architecture design phase is carried out by
struktur sistem, aplikasi, data, dan infrastruktur yang developing an integrated structure of systems,
saling terintegrasi. Desain tersebut mempertimbangkan applications, data, and infrastructure. The design takes
aspek keamanan informasi, ketersediaan layanan, into account information security, service availability,
interoperabilitas sistem, serta kepatuhan terhadap system interoperability, as well as compliance with
standar dan kebijakan internal Bank. Pendekatan desain the Bank’s internal standards and policies. The design
dilakukan untuk memastikan bahwa arsitektur TI mampu approach aims to ensure that the IT architecture is
mendukung proses bisnis utama secara andal dan able to reliably and efficiently support the Bank’s core
efisien. business processes.
Dalam implementasinya, arsitektur TI Bank Capital In practice, Bank Capital’s IT architecture is adopting
mengadopsi hybrid architecture, yaitu kombinasi antara a hybrid architecture, combining on-premise
infrastruktur on-premise dan pemanfaatan teknologi infrastructure with utilization of cloud-based technology
berbasis cloud atau layanan eksternal yang dikelola or externally managed services in an integrated manner.
secara terintegrasi. Pendekatan ini memungkinkan Bank This approach allows the Bank to maintain the stability
untuk menjaga stabilitas dan keamanan sistem inti and security of its core systems while obtaining flexibility
sekaligus memperoleh fleksibilitas dan skalabilitas dalam and scalability in service development.
pengembangan layanan.
Implementasi Arsitektur TI IT Architecture Implementation
Implementasi arsitektur TI dilaksanakan secara bertahap The implementation of the IT architecture is carried out
dan terkontrol sesuai dengan perencanaan yang telah in a phased and controlled manner in accordance with
ditetapkan. Setiap pengembangan atau perubahan the established planning. Each system development or
sistem dilakukan melalui mekanisme pengelolaan change is conducted through clear project management
proyek dan perubahan (change management) yang and change management mechanisms, including system
jelas, termasuk pengujian sistem, evaluasi risiko, testing, risk evaluation, and approvals from the relevant
serta persetujuan dari unit terkait. Implementasi units. The implementation is directed at ensuring
diarahkan untuk memastikan keberlangsungan layanan, service continuity, minimizing operational disruptions,
meminimalkan gangguan operasional, dan menjaga and maintaining the quality of the systems in use.
kualitas sistem yang digunakan.
Berikut pengembangan aplikasi sistem utama TI Following are the developments of Bank Capital’s IT
Bank Capital untuk mendukung peningkatan layanan core application system to support the improvement
perbankan, penguatan pengelolaan operasional, serta of banking services, strengthening of operational
peningkatan keamanan dan keandalan sistem yang management, as well as enhancement of system security
saat ini dalam tahap implementasi dan perizinan selama and reliability currently under the implementation and
periode laporan 2026-2030: licensing stage throughout the 2026-2030 reporting
period:
1. QRIS cross border; 1. Cross-border QRIS;
2. Card management; 2. Card management;
3. Aplikasi Audit Management System (AMS); 3. Audit Management System (AMS) application;
4. SNAP Virtual Account (SNAP VA); 4. SNAP Virtual Account (SNAP VA);
5. Sistem otentikasi nasabah; dan 5. Customer authentication system; and
6. Aplication monitoring system. 6. Application monitoring system.
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Pengendalian dan Evaluasi Arsitektur TI IT Architecture Control and Evaluation
Pengendalian arsitektur TI dilakukan melalui pemantauan Control of the IT architecture is carried out through
kinerja sistem, pengelolaan risiko TI, serta evaluasi berkala system performance monitoring, IT risk management, and
terhadap kesesuaian arsitektur dengan kebutuhan bisnis periodic evaluation of the alignment of the architecture
dan ketentuan regulator. Bank Capital menerapkan with business needs and regulatory requirements.
kebijakan, prosedur, dan pengawasan yang memadai Bank Capital implements adequate policies, procedures,
guna memastikan keamanan, keandalan, serta integritas and oversight to ensure the security, reliability, and
sistem informasi. Hasil evaluasi tersebut menjadi dasar integrity of information systems. The results of
bagi perbaikan dan pengembangan arsitektur TI secara these evaluations serve as the basis for continuous
berkelanjutan. improvement and development of the IT architecture.
Sebagai bagian dari upaya penguatan keamanan As a part of the efforts to strengthen its system
sistem, Bank Capital juga melaksanakan pengujian security, Bank Capital also conducting periodic security
keamanan secara berkala melalui kegiatan penetration test through penetration testing (pentest) carried out
testing (pentest) yang dilakukan setiap tahun terhadap annually on the IT system and infrastructure used.
sistem dan infrastruktur TI yang digunakan. Hasil dari Results from the pentest are used as one of the basis
kegiatan pentest tersebut menjadi salah satu dasar to carry out vulnerability identification, enhancement of
dalam melakukan identifikasi kerentanan, peningkatan security control, as well as improvement of existing IT
pengendalian keamanan, serta perbaikan terhadap infrastructure.
arsitektur TI yang ada.
Selain itu, pelaksanaan pengendalian dan peningkatan In addition, the implementation of control and security
keamanan arsitektur TI juga dimonitor melalui indikator enhancement of IT architecture are monitored through
kinerja utama (Key Performance Indicator/KPI) pada the Key Performance Indicator (KPI) of related work unit,
unit kerja terkait, guna memastikan bahwa pengelolaan to ensure that the management of information system
keamanan sistem informasi, penanganan kerentanan, security, vulnerability handling, and follow-up on results
serta tindak lanjut hasil pengujian keamanan dapat of the security testing can be done in an effective and
dilakukan secara efektif dan tepat waktu. timely manner.
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Tata Kelola TI
IT Governance
Bank Capital menerapkan kerangka tata kelola TI yang Bank Capital implements a systematic IT governance
sistematis untuk memastikan pemanfaatan TI secara framework to ensure the optimal utilization of IT while
optimal sekaligus memitigasi potensi risiko. Seluruh mitigating potential risks. All policies and Standard
kebijakan serta Standar Operasional Prosedur (SOP) Operating Procedures (SOPs) are formulated with
disusun dengan mengacu pada regulasi Otoritas Jasa reference to the regulations of the Financial Services
Keuangan dan diselaraskan dengan arah strategis Authority and aligned with the Bank’s strategic direction.
Bank. Sejalan dengan transformasi digital, tata kelola TI In line with digital transformation, IT governance is designed
dirancang agar setiap inovasi dapat diimplementasikan to ensure that each innovation is implemented in
secara aman, terkendali, dan mendukung keberlanjutan a secure and controlled manner and supports operational
operasional melalui pengendalian berikut: sustainability through the following controls:
1. Sistem Leveling 1. System Leveling
Menerapkan manajemen persetujuan (approval) Approval management is applied to each system
pada setiap sistem yang digunakan untuk in use to ensure that transactions are monitored
memastikan transaksi dipantau dengan metode dual through a dual control mechanism.
control.
2. Audit Trail 2. Audit Trail
Setiap sistem Bank Capital telah dilengkapi dengan Each system in Bank Capital is equipped with an audit
audit trail yang mencatat setiap aktivitas pengguna trail that records all user activities and transactions
dan transaksi secara rinci. Penerapan ini bertujuan in detail. This implementation aims to enhance
untuk meningkatkan transparansi, akuntabilitas, transparency, accountability, and compliance with
serta mendukung kepatuhan terhadap regulasi yang applicable regulations.
berlaku.
3. High Availability 3. High Availability
Untuk memastikan keberlanjutan layanan perbankan To ensure uninterrupted banking services, Bank
tanpa gangguan, sistem TI Bank Capital didukung Capital’s IT systems are supported by redundancy
oleh strategi redundansi dan mekanisme backup data strategies and continuously available data backup
yang selalu tersedia. Langkah ini diimplementasikan mechanisms. This measure is implemented to
guna memitigasi risiko kehilangan data serta mitigate the risk of data loss and maintain operational
menjaga kontinuitas operasional, terutama dalam continuity, especially whilst faced potential technical
menghadapi potensi gangguan teknis atau serangan disruptions or cyberattacks.
siber.
4. Scalable System 4. Scalable System
Bank Capital merancang sistem TI dengan Bank Capital designed its IT system with a flexible
arsitektur yang fleksibel, memungkinkan sistem architecture, allowing to scale up in line with business
untuk berkembang seiring dengan pertumbuhan growth and increasing transaction volumes.
bisnis serta peningkatan volume transaksi yang
berkembang.
5. Secure System 5. Secure System
Bank Capital menerapkan sistem keamanan berbasis Bank Capital implements an ISO 27001-based
ISO 27001 untuk melindungi infrastruktur dan security system to protect its infrastructure
pengguna dari ancaman siber. Langkah-langkah and users from cyber threats. Measures include
yang diterapkan mencakup autentikasi multifaktor multi-factor authentication (MFA), data encryption,
(MFA), enkripsi data, dan manajemen akses berbasis and role-based access control (RBAC).
peran (RBAC).
Untuk mendukung tata kelola TI yang efektif, Bank To support effective IT governance, Bank Capital has
Capital telah membentuk Komite Pengarah Teknologi established the Information Technology Steering
Informasi. Komite ini berperan sebagai elemen kunci Committee. This committee plays a key role in
dalam mengidentifikasi, mengelola, dan melaporkan identifying, managing, and reporting major risks arising
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risiko utama yang muncul dari perkembangan teknologi. from technological advancements. It also provides
Komite juga memberikan arahan strategis kepada Direksi strategic guidance to the Board of Directors to ensure
untuk memastikan kesiapan Bank dalam menghadapi the Bank’s readiness in addressing modern technology
tantangan teknologi modern. challenges.
Melalui peran aktif Komite Pengarah Teknologi Informasi, Through the active role of the Information Technology
Direksi dapat memastikan bahwa seluruh aktivitas Steering Committee, the Board of Directors can ensure
TI Bank dilakukan secara terencana dan responsif, that all IT activities are carried out in a planned and
terutama dalam menangani gangguan operasional responsive manner, particularly in handling operational
(disruption), menjaga keamanan siber (cybersecurity), disruptions, maintaining cybersecurity, and ensuring
dan memastikan kesiapan pemulihan bencana (disaster disaster recovery preparedness.
recovery).
Penerapan Manajemen Risiko dalam Implementation of Risk Management in
Penggunaan TI the Use of IT
Dalam pemanfaatan TI, Bank menerapkan prinsip kehati- In the utilization of IT, the Bank applies the principle
hatian melalui pengelolaan risiko yang terintegrasi of prudence through integrated and comprehensive
dan komprehensif. Penerapan manajemen risiko atas risk management. The implementation of risk
penggunaan TI tersebut dilaksanakan secara sistematis management over the use of IT is carried out in
sebagaimana diuraikan berikut: a systematic manner as outlined below:
1. Identifikasi Risiko TI 1. IT Risk Identification
Bank melakukan identifikasi terhadap potensi The Bank identifies potential risks arising from
risiko yang timbul dari penggunaan TI, baik yang the use of IT, both originating from application
berasal dari sistem aplikasi, infrastruktur TI, proses system, IT infrastructure, operational processes, as
operasional, maupun pihak ketiga yang menyediakan well as third parties providing IT services.
layanan TI.
2. Pengukuran dan Penilaian Risiko TI 2. IT Risk Measurement and Assessment
Risiko yang telah diidentifikasi selanjutnya dianalisis The identified risks are subsequently analyzed and
dan dinilai tingkat dampak serta kemungkinan assessed for their impact level and occurrence
terjadinya, guna menentukan tingkat risiko serta likelihood, to determine the risk level and required
prioritas penanganan yang diperlukan. mitigation priorities.
3. Pengendalian Risiko TI 3. IT Risk Control
Bank menerapkan berbagai pengendalian untuk The Bank is implementing various controls to
memitigasi risiko TI, antara lain melalui penerapan mitigate IT risks, including by implementing
kebijakan dan prosedur keamanan informasi, information security policies and procedures, system
pengelolaan hak akses sistem, pemantauan access rights management, monitoring of system
operasional sistem, serta pelaksanaan pengujian operations, as well as the periodic implementation
keamanan seperti Vulnerability Assessment dan of security testing such as the Vulnerability
Penetration Testing (VAPT) secara berkala. Assessment and Penetration Testing (VAPT).
4. Pemantauan dan Pelaporan Risiko TI 4. IT Risk Monitoring and Reporting
Risiko TI dipantau secara berkelanjutan melalui IT risks are constantly monitored through system
mekanisme monitoring sistem, pengelolaan insiden monitoring mechanism, IT incident management,
TI, serta pelaporan secara berkala kepada manajemen as well as periodic reporting to the management to
guna memastikan bahwa risiko yang timbul dapat ensure that arising risks are effectively managed.
dikelola secara efektif.
5. Evaluasi dan Peningkatan Berkelanjutan 5. Evaluation and Continuous Improvement
Bank melakukan evaluasi secara berkala terhadap The Bank is conducting periodic evaluations of
efektivitas pengelolaan risiko TI, termasuk melalui the effectiveness of IT risk management, including
audit internal, pengujian keamanan sistem, through internal audit, system security testing,
serta tindak lanjut atas temuan yang ada, guna and follow-up action on the existing findings, to
memastikan pengelolaan risiko TI tetap selaras ensure that IT risk management remains in line with
dengan perkembangan teknologi, kebutuhan bisnis, the technological developments, business needs,
dan ketentuan regulator. and regulatory requirements.
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Menjaga Ketahanan dan Keamanan Siber Maintaining Cyber Resilience and Security Dalam menghadapi peningkatan risiko siber yang In response to increasing cyber risks in line with sejalan dengan akselerasi transformasi digital di sektor the acceleration of digital transformation in the banking perbankan, Bank secara berkelanjutan memperkuat sector, the Bank continuously strengthens cyber ketahanan dan keamanan siber guna melindungi resilience and security to protect data, information data, sistem informasi, serta kepentingan nasabah systems, and the interests of customers and other dan pemangku kepentingan lainnya. Upaya tersebut stakeholders. These efforts constitute an integral part merupakan bagian integral dari penerapan manajemen of the implementation of prudent IT risk management risiko TI yang prudent dan selaras dengan strategi bisnis and are aligned with the Bank’s business strategy. Bank. Bank menerapkan tata kelola keamanan siber yang The Bank implements a structured and layered cyber terstruktur dan berlapis, mencakup kebijakan, prosedur, security governance framework, encompassing policies, serta pengendalian teknis dan operasional, dengan procedures, as well as technical and operational mengacu pada ketentuan Otoritas Jasa Keuangan, controls, with reference to the regulations of antara lain Peraturan Otoritas Jasa Keuangan mengenai the Financial Services Authority, including regulations penerapan manajemen risiko dalam penggunaan on the implementation of risk management in the use of teknologi informasi oleh bank, serta ketentuan terkait information technology by banks, as well as provisions perlindungan data dan kerahasiaan nasabah. Penerapan related to data protection and customer confidentiality. tersebut juga diselaraskan dengan standar praktik Such implementation is also aligned with best practices terbaik (best practices) industri perbankan. in the banking industry. Sebagai bagian dari penguatan ketahanan siber, As part of strengthening cyber resilience, the Bank Bank secara berkelanjutan melakukan identifikasi, continuously conducts identification, measurement, pengukuran, pemantauan, dan pengendalian risiko siber, monitoring, and control of cyber risks, including the risk termasuk risiko serangan siber, kebocoran data, serta of cyber attacks, data breaches, and system operational gangguan operasional sistem. Langkah-langkah yang disruptions. The measures undertaken include enhancing ditempuh meliputi peningkatan sistem pengamanan network security systems, managing access based on jaringan, pengelolaan akses berbasis kewenangan, authority, periodically monitoring system activities, and pemantauan aktivitas sistem secara berkala, serta conducting security testing and IT system readiness pengujian keamanan dan kesiapan sistem TI. assessments. Bank juga meningkatkan kesadaran dan kompetensi The Bank also enhances human resource awareness and sumber daya manusia melalui program edukasi dan competency through information security education pelatihan keamanan informasi, guna meminimalkan and training programs to minimize risks arising from risiko yang timbul akibat faktor manusia (human error). human factors (human error). In addition, the Bank has Selain itu, Bank menyiapkan rencana kesinambungan established a business continuity plan and a disaster usaha dan pemulihan bencana (business continuity recovery plan to ensure the continuity of banking plan dan disaster recovery plan) untuk memastikan services in the event of potential cyber disruptions. keberlangsungan layanan perbankan dalam menghadapi potensi gangguan siber. Ke depan, Bank berkomitmen untuk terus memperkuat Going forward, the Bank is committed to continuously ketahanan dan keamanan siber secara berkelanjutan, strengthening cyber resilience and security in line with seiring dengan perkembangan teknologi dan dinamika technological developments and the evolving cyber ancaman siber, serta memastikan kepatuhan terhadap threat landscape, while ensuring compliance with all seluruh ketentuan regulator yang berlaku, guna menjaga applicable regulatory requirements, in order to maintain kepercayaan nasabah dan stabilitas operasional customer trust and the Company’s operational stability. Perseroan. 144 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Teknologi Informasi
Information Technology
Oleh sebab itu, Bank Capital melakukan pemantauan Therefore, Bank Capital is conducting system monitoring
sistem melalui: through:
1. Security monitoring system untuk memantau 1. Security monitoring system to monitor network
aktivitas jaringan dan sistem secara real-time activities in real-time using third parties;
menggunakan pihak ketiga;
2. Security Information and Event Management 2. Security Information and Event Management (SIEM)
(SIEM) untuk analisis log keamanan; to analyze the security log;
3. Intrusion Detection/Prevention System (IDS/IPS) 3. Intrusion Detection/ Prevention System (IDS/IPS) to
untuk mendeteksi potensi serangan siber; detect potential cyberattack;
4. Endpoint protection pada perangkat server dan 4. Endpoint protection both on servers’ devices and
user; dan users; and
5. Network firewall untuk melindungi sistem dari akses 5. Network firewall to protect the system from
tidak sah. unauthorized access.
Di samping itu, Bank Capital juga setiap tahun melakukan: In addition, Bank Capital also conducts the following
every year:
1. Vulnerability assessment dan penetration testing 1. Vulnerability assessment and penetration testing of
terhadap sistem kritikal; dan critical systems; and
2. Pengujian Business Continuity Plan (BCP) dan 2. Testing of the Business Continuity Plan (BCP) and
Disaster Recovery Plan (DRP). Disaster Recovery Plan (DRP).
Realisasi Program Kerja TI Tahun 2025
Realization of IT Work Program in 2025
Sepanjang tahun 2025, Bank merealisasikan program Throughout 2025, the Bank implemented IT work
kerja TI sebagai bagian dari strategi peningkatan programs as part of its strategy to enhance operational
efisiensi operasional, memastikan keamanan sistem, efficiency, ensure system security, and deliver the best
dan memberikan pengalaman terbaik bagi nasabah yang customer experience, as outlined below:
diuraikan sebagai berikut:
1. Pemindahan kantor non-operasional ke Gedung 1. Relocation of non-operational offices to the Bangka
Bangka untuk meningkatkan efisiensi operasional Building to improve operational efficiency and
dan optimalisasi ruang kerja; optimize workspace;
2. Migrasi data center dalam meningkatkan keandalan, 2. Migration of data center to enhance reliability,
keamanan, serta ketersediaan infrastruktur TI guna security, and availability of IT infrastructure to
mendukung operasional Bank secara berkelanjutan; support Bank operation in a sustainable manner;
3. Penambahan fitur mobile banking agar transaksi 3. Addition of mobile banking features to add more
digital Banki Capital menjadi lebih variatif yaitu: variance to Bank Capital’s digital transactions, namely:
a. Tarik tunai tanpa Kartu (CCW) via ATM, tarik tunai a. Cardless Cash Withdrawal (CCW) via ATM,
melalu Alfamart, transaksi valas dan penambahan cash withdrawal via Alfamart, foreign exchange
fitur biller, dan online opening deposito untuk transactions, addition of biller feature, and online
nasabah existing; opening of deposits for existing customers;
b. Otomasi proses manual (enhancement LOS) b. Automation of manual processes (LOS
agar proses pencairan pinjaman menjadi semakin enhancement) for faster loan disbursement
cepat; process;
c. Implementasi tanda tangan elektronik untuk c. Implementation of electronic signature for
mempercepat proses approval internal; dan faster internal approval process; and
d. Realisasi Bank RDN dengan 3 sekuritas dan lebih d. Realization of Customer Fund Account (RDN)
dari 2.000 nasabah. Bank with 3 securities and more than 2,000
customers.
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Rencana Pengembangan TI Tahun 2026
IT Development Plan for 2026
Bank telah menyusun arah strategis pengembangan The Bank has established the strategic direction for IT
TI tahun 2026 sebagai bagian dari upaya memperkuat development in 2026 as part of efforts to strengthen
layanan digital, memperluas ekosistem keuangan, serta digital services, expand the financial ecosystem, and
meningkatkan keamanan dan efisiensi operasional. enhance security and operational efficiency. This
Strategi ini mencakup pengembangan sebagai berikut: strategy encompasses the following development
initiatives:
1. Pembukaan cabang baru Batam, Bandar Lampung, 1. Opening of new branches in Batam, Bandar Lampung,
Pekan Baru, Denpasar, Pontianak, Banjarmasin, dan Pekan Baru, Denpasar, Pontianak, Banjarmasin, and
Balikpapan untuk memperluas jaringan layanan; Balikpapan to expand the services network;
2. Web otentikasi dalam upaya Bank untuk 2. Authentication Web as the Bank’s effort in improving
meningkatkan keamanan dan verifikasi nasabah; the security and verification of customers;
3. Implementasi application perfomance system 3. Implementation of application perfomance system
dalam upaya meningkatkan keamanan sistem; as an effort to improve system security;
4. Kerja sama mitra pembukaan rekening untuk 4. Collaboration with account opening partners to
memperluas pelayanan; expand services;
5. Revamp User Interface/User Experience (UI/UX dan 5. Revamp User Interface/User Experience (UI/UX and
revamp Capital Link; dan revamp Capital Link; and
6. Penambahan fitur mobile banking antara lain: 6. Addition of mobile banking features, including:
a. QRIS crossborder, Customer Presented Mode a. Cross-border QRIS, Customer Presented Mode
(CPM), dan Tarik Tunai Tanpa Kartu (TUNTAS); (CPM), and Cardless Cash Withdrawal (TUNTAS);
b. Card management; b. Card management;
c. Notification pada produk mobile banking; dan c. Notification on mobile banking products; and
d. Profile management (update data nasabah). d. Profile management (customer data update).
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Teknologi Informasi
Information Technology
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Tata Kelola Perusahaan Corporate Governance 148 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Prinsip-Prinsip GCG
GCG Principles
Bank Capital menempatkan penerapan tata Bank Capital places the implementation of good
kelola perusahaan yang baik (good corporate corporate governance (GCG) as the basis to maintain
governance/GCG) sebagai dasar dalam menjaga business integrity and sustainability. All operational
integritas dan keberlanjutan usaha. Seluruh kegiatan activities are designed and executed in accordance with
operasional dirancang dan dijalankan dengan mengacu the applicable regulations and implementation of GCG
pada kepatuhan terhadap regulasi yang berlaku serta principles. As a guideline, Bank Capital refers to the 4 main
penerapan prinsip-prinsip GCG. Sebagai pedoman, pillars of the Indonesian Corporate Governance General
Bank Capital mengacu pada 4 pilar utama dari Pedoman Guidelines (PUGKI), which includes ethical conduct,
Umum Governansi Korporat Indonesia (PUGKI), yang accountability, transparency, and sustainability. These
meliputi perilaku beretika, akuntabilitas, transparansi, 4 pillars are implemented consistently, as outlined
dan keberlanjutan. Keempat pilar ini diimplementasikan below:
secara konsisten yang diuraikan sebagai berikut:
1. Perilaku Beretika 1. Moral Conduct
Bank Capital menjunjung tinggi prinsip kejujuran, Bank Capital upholds the principles of honesty,
menghormati semua pihak, memenuhi komitmen, respects all parties, fulfills commitments, as well as
serta menjaga nilai-nilai moral dan kepercayaan consistently nurtures moral values and trust. In its
secara konsisten. Dalam operasionalnya, Bank operations, the Bank takes into account the interests
memperhatikan kepentingan Pemegang Saham dan of the Shareholders and other stakeholders,
pemangku kepentingan lainnya berdasarkan asas operating on the principles of fairness and equality.
kewajaran dan kesetaraan. Tata kelola Bank dijalankan The Bank’s governance is carried out independently
secara independen untuk memastikan bahwa tidak to ensure that no single organ is dominating
ada organ yang mendominasi atau diintervensi oleh the others or intervened by other parties.
pihak lain.
2. Akuntabilitas 2. Accountability
Bank Capital bertanggung jawab atas kinerja yang Bank Capital is transparently and fairly accountable
transparan dan wajar. Untuk mendukung hal ini, Bank for its performance. In supporting this effort,
dikelola secara benar, terukur, dan sesuai dengan the Bank is managed accordingly, measurably, and in
kepentingan Pemegang Saham serta pemangku line with the interests of the Shareholders and other
kepentingan lainnya. Akuntabilitas menjadi elemen stakeholders. Accountability becomes an important
penting untuk memastikan pencapaian kinerja yang element to ensure the achievement of a sustainable
berkelanjutan dan terpercaya. and trusted performance.
3. Transparansi 3. Transparency
Bank Capital menyediakan informasi yang material Bank Capital provides material and relevant
dan relevan dengan cara yang mudah diakses information in an easily accessible and comprehensible
dan dipahami oleh pemangku kepentingan. Selain manner by the stakeholders. In addition to meet
mematuhi persyaratan peraturan perundang- the requirements of laws and regulations,
undangan, Bank juga mengungkapkan informasi the Bank also discloses important information
penting yang relevan bagi pengambilan keputusan relevant for decision making by Shareholders and
Pemegang Saham dan pemangku kepentingan other stakeholders.
lainnya.
4. Keberlanjutan 4. Sustainability
Bank Capital mematuhi peraturan perundang-undangan Bank Capital adheres the applicable laws and
yang berlaku dan berkomitmen untuk melaksanakan regulations and is committed to carry out its social
tanggung jawab sosial terhadap masyarakat dan responsibilities towards the society and environment.
lingkungan. Bank memastikan agenda keberlanjutan The Bank ensures that the sustainability agenda
berjalan selaras dengan kepentingan bisnis is align with the business interests through active
melalui kerja sama aktif dengan semua pemangku collaborations with all stakeholders.
kepentingan.
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Tata Kelola Perusahaan
Corporate Governance
Keterkaitan Penerapan GCG dengan Kinerja Bank
Correlation of GCG Implementation and Bank Performance
Penerapan GCG yang konsisten memungkinkan Bank A consistent implementation of GCG enables the Bank
menciptakan transparansi, akuntabilitas, dan efisiensi to create transparency, accountability, and efficiency
dalam pengelolaan sumber daya, sehingga mendukung in resources management, thus supporting proper
pengambilan keputusan yang tepat. Dengan landasan decision-making. On this basis, the Bank successfully
tersebut, Bank berhasil mencatat kinerja positif dan recorded positive performance and achieved various
meraih berbagai pencapaian di tengah tantangan milestones amidst the economic challenges in 2025,
ekonomi tahun 2025, antara lain: namely:
1. Pertumbuhan kredit Rp3,24 triliun atau meningkat 1. Loan growth of Rp3.24 trillion or an increase of
41,58%; 41.58%;
2. Pertumbuhan dana pihak ketiga Rp5,68 triliun atau 2. Third party funds growth of Rp5.68 trillion or an
meningkat 45,19%; increase of 45.19%;
3. Rasio Kewajiban Penyediaan Modal Minimum sebesar 3. Capital Adequacy Ratio of 36.86% and Loan to
36,86% dan Loan to Deposit Ratio 60,67%; dan Deposit Ratio of 60.67%; and
4. Pertumbuhan laba bersih sebesar Rp16,61 miliar atau 4. Net profit growth of Rp16.61 billion or 15.18%.
15,18%.
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Penyempurnaan Kualitas GCG Tahun 2025
Refinement of GCG Quality in 2025
Bank berkomitmen untuk terus mengimplementasikan The Bank is committed to continuously implementing
dan meningkatkan kualitas penerapan GCG sesuai and improving the quality of GCG implementation
standar yang berlaku di Indonesia. Sepanjang tahun following the applicable standards in Indonesia. In
2025, komitmen tersebut diwujudkan melalui sejumlah 2025, this commitment was realized through several
inisiatif, antara lain: initiatives, namely:
1. Penguatan peran Dewan Komisaris dan Komite 1. Strengthening the role of the Board of
Commissioners and Committees
Memastikan mayoritas anggota Komite Pemantau Ensuring that the majority of members of
Risiko adalah Komisaris Independen dan pihak the Risk Monitoring Committee are Independent
independen. Dewan Komisaris harus lebih intensif Commissioners and independent parties.
dalam mengawasi strategi bisnis dan manajemen The Board of Commissioners need to intensify its
risiko. oversight of business strategy and risk management.
2. Penerapan Budaya Risiko (Risk Culture) 2. Implementation of Risk Culture
Bank menanamkan budaya sadar risiko di seluruh lini The Bank is instilling risk-aware culture in all lines
(first to third lines of defense), tidak hanya terbatas (first to third lines of defense), not limited to the risk
pada unit manajemen risiko. management unit.
3. Peningkatkan Transparansi dan Pelaporan 3. Enhancement of Transparency and Reporting
Mewujudkan transparansi informasi Bank yang Realizing a Bank information transparency that is
komprehensif, lengkap, akurat, terkini, utuh, tepat comprehensive, complete, accurate, up-to-date,
waktu, serta dapat diperbandingkan. full, timely, and comparable.
4. Penguatan Integritas dan Kepatuhan 4. Strengthening of Integrity and Compliance
Menegakkan Aturan Anti-Penyuapan (SMAP) Enforcing Anti-Bribery Management System (SMAP)
dan memperkuat fungsi pengendalian internal and strengthening internal control function to ensure
untuk memastikan kepatuhan terhadap ketentuan compliance with prevailing laws and regulations.
perundangan yang berlaku.
5. Evaluasi Kinerja Pengurus 5. Performance Evaluation of the Board
Melakukan asesmen mandiri (self-assessment) Conducting periodic and objective self-assessments
secara berkala dan objektif terhadap kinerja Direksi of the performance of the Board of Directors and
dan Dewan Komisaris, termasuk komite-komite Board of Commissioners, including their respective
di bawahnya. committees.
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Tata Kelola Perusahaan
Corporate Governance
Struktur GCG
GCG Structure
Struktur GCG Bank Capital dirancang untuk Bank Capital’s GCG structure is designed to ensure
memastikan penerapan prinsip GCG berjalan efektif an effective implementation of GCG principles
melalui pembagian tugas dan tanggung jawab yang through a clear division of duties and responsibilities.
jelas. Struktur tersebut terdiri atas organ utama, This structure consists of the main organs, namely
yakni Rapat Umum Pemegang Saham (RUPS), Dewan the General Meeting of Shareholders (GMS),
Komisaris, dan Direksi, yang didukung oleh berbagai the Board of Commissioners, and the Board of Directors,
organ pendukung, termasuk komite-komite, Sekretaris supported by various supporting organs, including
Perusahaan, serta unit independen. Dengan susunan committees, the Corporate Secretary, and independent
ini, Bank Capital membangun mekanisme pengambilan units. With this structure, Bank Capital establishes
keputusan, pelaporan, serta sistem check and balances the decision-making, reporting mechanisms, as well
yang sejalan dengan ketentuan peraturan perundang- as the check and balance system that are aligned with
undangan, sehingga dapat memenuhi ekspektasi seluruh the applicable laws and regulations, thus able to meet
pemangku kepentingan. the expectations of all stakeholders.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Audit Satuan Kerja Audit Internal
ALCO
Audit Committee Internal Audit Unit
Komite Pemantau Risiko Komite Kebijakan Perkreditan Satuan Kerja Manajemen Risiko
Risk Monitoring Committee Credit Policy Committee Risk Management Unit
Komite Remunerasi
dan Nominasi Komite Kredit Satuan Kerja Kepatuhan
Remuneration and Credit Committee Compliance Unit
Nomination Committee
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah
Teknologi Informasi
Information Technology Steering
Committee
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Penilaian Penerapan GCG
Assessment of GCG Implementation
Bank Capital secara konsisten melakukan evaluasi Bank Capital is consistently evaluating its GCG
penerapan GCG guna memastikan efektivitas serta implementation to ensure its effectiveness and
kesesuaiannya dengan ketentuan yang berlaku. compliance with the applicable regulations.
Proses penilaian ini dilaksanakan melalui mekanisme This assessment process is conducted using
self-assessment yang berlandaskan praktik terbaik a self-assessment mechanism, based on the best
serta mengacu pada Peraturan Otoritas Jasa Keuangan practices and by referring to the Financial Services
Nomor 17 Tahun 2023 dan Surat Edaran Otoritas Authority Regulation Number 17 of 2023 and
Jasa Keuangan Nomor 14/SEOJK.03/2025 tentang the Financial Services Authority Circular Letter
Tata Kelola bagi Bank Umum. Dalam pelaksanaannya, Number 14/SEOJK.03/2025 on Corporate Governance
Bank menggunakan sejumlah kriteria yang mencakup for Commercial Banks. In its implementation, the Bank
berbagai aspek utama tata kelola berikut: uses several criteria covering various key governance
aspects as follows:
Pelaksanaan tugas, tanggung jawab, dan wewenang Direksi. Pemberian remunerasi.
1. Execution of duties, responsibilities, and authorities of 9. Provision of remuneration.
the Board of Directors.
Pelaksanaan tugas, tanggung jawab, dan wewenang Dewan Penyediaan dana kepada pihak terkait dan penyediaan
Komisaris. dana besar.
2. 10.
Execution of duties, responsibilities, and authorities of Provision of funds to related parties and provision of large
the Board of Commissioners. funds.
Kelengkapan dan pelaksanaan tugas Komite. Integritas pelaporan dan sistem teknologi informasi.
3. 11.
Execution of duties and adequacy of the Committees. Integrity of reporting and infomation technology system.
Penanganan benturan kepentingan. Rencana strategis Bank.
4. 12.
Handling of conflicts of interest. The Bank’s strategic plan.
Penerapan fungsi kepatuhan. Aspek Pemegang Saham.
5. 13. Shareholders Aspect.
Implementation of compliance functions.
Penerapan fungsi audit internal. Penerapan strategi anti-fraud, termasuk anti-penyuapan.
6. Implementation of internal audit functions. 14. Implementation of anti-fraud strategies, including
anti-bribery.
Penerapan fungsi audit eksternal. Penerapan keuangan berkelanjutan, termasuk penerapan
Implementation of external audit functions. tanggung jawab sosial dan lingkungan.
7. 15.
Implementation of sustainable finance, including
implementation of social and environmental responsibilities.
Penerapan manajemen risiko, termasuk sistem pengendalian Penerapan tata kelola dalam kelompok usaha Bank.
internal. Implementation of governance within the Bank’s business
8. 16.
Implementation of risk management, including internal group.
control systems.
Hasil evaluasi atas 17 faktor penilaian penerapan GCG In 2025, evaluation results conducted on 17 assessment
menunjukkan bahwa pada tahun 2025 Bank Capital factors for GCG implementation shows Bank Capital
berhasil meraih peringkat 2 dengan kategori “Baik", successfully achieved rating 2 with a category of “Good”,
yang mencerminkan komitmen Bank dalam menjalankan reflecting the Bank’s commitment to consistently and
prinsip GCG secara konsisten dan berkesinambungan. sustainably implementing GCG principles.
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Tata Kelola Perusahaan
Corporate Governance
Peringkat Definisi Peringkat
Rating Definition of Rating
Individu Baik
2
Individual Good
Analisis
Analysis
Mencerminkan manajemen Bank telah melakukan penerapan tata kelola yang secara umum baik. Hal ini tercermin dari pemenuhan yang
memadai atas prinsip tata kelola. Dalam hal terdapat kelemahan penerapan prinsip tata kelola, secara umum kelemahan tersebut kurang
signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank.
Reflecting that the Bank’s management has been carrying out, in general, good corporate governance. This is evidenced from
the adequate fulfillment of governance principles. Where there are weaknesses in the implementation of the governance principles, they
are generally less significant and can be resolved through normal management actions.
Sebagai wujud komitmen dalam memperkuat penerapan As a commitment in strengthening GCG implementation,
GCG, Bank Capital telah melaksanakan self-assessment Bank Capital has conducted a comprehensive and
secara menyeluruh dan berkesinambungan. Penilaian ini continuous self-assessment. This assessment is
mencakup 3 aspek utama, yaitu governance structure, covering 3 main aspects, namely governance structure,
governance process, dan governance outcome, yang governance process, and governance outcome,
bersama-sama memberikan gambaran utuh mengenai which altogether provide a complete overview on
efektivitas pelaksanaan tata kelola di seluruh lini the effectiveness of governance implementation across
operasional Bank. Hasil dari evaluasi tersebut dapat all operational lines of the Bank. Results from this
dirangkum sebagai berikut: evaluation can be summarized as follows:
Governance Structure Governance Structure
Aspek-aspek positif yang dimiliki Bank Capital dalam Positive aspects possessed by Bank Capital in its
governance structure merupakan kekuatan utama governance structure are the main force in the realization
yang mendukung terwujudnya penerapan tata kelola of an effective and sustainable implementation of
perusahaan yang efektif dan berkesinambungan, antara corporate governance, including:
lain:
1. Jumlah dan komposisi anggota Direksi telah sesuai 1. The number and composition of members of
dengan ketentuan yang berlaku; the Board of Directors are in accordance with
prevailing regulations;
2. Jumlah dan komposisi anggota Dewan Komisaris 2. The number and composition of members of
telah sesuai dengan ketentuan yang berlaku; the Board of Commissioners are in accordance with
prevailing regulations;
3. Jumlah dan komposisi anggota Komite Audit, 3. The number and composition of members of
Komite Pemantau Risiko, serta Komite Remunerasi the Audit Committee, Risk Monitoring Committee,
dan Nominasi telah sesuai dengan ketentuan yang and Remuneration and Nomination Committee are
berlaku; in accordance with prevailing regulations;
4. Bank telah memiliki kebijakan penanganan benturan 4. The Bank has established a policy for managing
kepentingan serta melakukan pengungkapan atas conflicts of interest and discloses transactions
transaksi yang mengandung benturan kepentingan involving conflicts of interest in accordance with
sesuai dengan ketentuan yang berlaku: prevailing regulations:
5. Bank telah memiliki Satuan Kerja Kepatuhan yang 5. The Bank has a Compliance Unit that is independent
independen terhadap Satuan Kerja Operasional to the Operational Unit and is structurally under
dan secara struktur berada di bawah Direktur yang the Director in charge of the Compliance Function;
membawahkan Fungsi Kepatuhan;
6. Struktur organisasi Satuan Kerja Audit Internal (SKAI) 6. The organizational structure of Internal Audit Unit
Bank telah sesuai dengan ketentuan yang berlaku. (SKAI) has been established in accordance with
SKAI independen terhadap satuan kerja operasional; prevailing regulations. SKAI is independent to
the operational work unit;
7. Penunjukan kantor akuntan publik dilakukan dengan 7. The appointment of public accounting firm is done
mempertimbangkan persyaratan serta melalui by considering the requirements and through
prosedur dan mekanisme yang sesuai ketentuan; procedures and mechanisms that comply with
regulations;
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8. Bank telah memiliki struktur organisasi yang memadai 8. The Bank has an adequate organizational structure
sesuai dengan kebutuhan dan ketentuan yang in line with its needs and prevailing regulations
berlaku, untuk mendukung penerapan manajemen to support risk management and internal control
risiko dan pengendalian internal, antara lain melalui implementation, including through the establishment
pembentukan SKAI, Satuan Kerja Manajemen of SKAI, Risk Management Unit, Risk Management
Risiko, Komite Manajemen Risiko, serta Satuan Kerja Committee, and Compliance Unit;
Kepatuhan;
9. Bank telah memiliki sejumlah Kebijakan yang dapat 9. The Bank has several Policies to be used as reference
dijadikan acuan dalam pemberian remunerasi bagi in the provision of remuneration for member of
anggota Direksi, Dewan Komisaris, dan pegawai the Board of Directors, Board of Commissioners, and
Bank; Bank employees;
10. Bank telah memiliki kebijakan terkait penyediaan 10. The Bank has policies in place regarding the provision
dana kepada pihak terkait dan penyediaan dana of funds to related parties and large exposures in
besar sesuai ketentuan; accordance with regulations;
11. Bank telah memiliki kebijakan dan prosedur 11. The Bank has internal policies and procedures of
pengendalian internal dalam proses pelaporan internal control over financial reporting, as well as
keuangan (internal control over financial reporting), information technology support for an adequate
serta dukungan teknologi informasi untuk sistem management reporting information system;
informasi manajemen pelaporan yang memadai;
12. Bank telah menyusun rencana strategis berupa 12. The Bank has developed strategic plans in the form
rencana korporasi (corporate plan), dan Rencana of a corporate plan and Bank Business Plan (RBB)
Bisnis Bank (RBB) yang selaras dengan visi, misi, dan aligned with its vision, mission, and applicable
ketentuan yang berlaku; regulations;
13. Pemegang Saham Bank mendukung pelaksanaan 13. The Bank’s Shareholders is supporting
kegiatan usaha Bank yang sehat dan menjaga the implementation of sound Bank operations
keberlangsungan usaha Bank, serta bertanggung and sustainability of the Bank’s business, and are
jawab dalam rangka penanganan dan penyelesaian responsible for the handling and resolution of any
permasalahan Bank; issues faced by the Bank;
14. Bank telah memiliki struktur organisasi yang memadai 14. The Bank has an adequate organization structure to
untuk mendukung penerapan strategi anti-fraud support the implementation of anti-fraud strategy,
sesuai dengan ketentuan perundangan mengenai in line with prevailing laws and regulation on
penerapan strategi anti-fraud bagi lembaga jasa the implementation of anti-fraud strategy for
keuangan; dan financial services institution; and
15. Bank telah memiliki strategi bisnis dan investasi yang 15. The Bank has business and investment strategies
mengintegrasikan nilai lingkungan, sosial, dan tata that integrate environmental, social and
kelola. Selain itu, Bank juga telah memiliki sistem governance. Further, the Bank also has a system
dan/atau alokasi dana tanggung jawab sosial dan and/or fund allocation for social and environmental
lingkungan. responsibilities.
Di samping berbagai kekuatan yang telah dimiliki dalam In addition to the various strengths already existed
governance structure, Bank Capital juga mengidentifikasi within the governance structure, Bank Capital also
sejumlah area yang masih memerlukan penyempurnaan identified several areas that require further refinement,
lebih lanjut, yaitu saat ini Bank juga tengah melakukan currently, the Bank is also developing supporting
pengembangan infrastruktur pendukung teknologi information technology infrastructure to realize its
informasi untuk dapat merealisasikan rencana digital service development plans, in accordance
pengembangan layanan digital, sesuai dengan arah with its business development direction as well as
pengembangan bisnis serta visi dan misi Bank, serta the Bank’s vision and mission, while still considering
dengan tetap memperhatikan perkembangan ketentuan the development of provisions from relevant authorities
Otoritas terkait teknologi informasi maupun layanan related to information technology or digital banking
perbankan digital. Sejalan dengan pengembangan services. Accordingly with such development, the Bank
tersebut, Bank juga merasa perlu untuk menyesuaikan also recognizes the need to adjust its organizational
struktur organisasi, serta melakukan pengembangan structure as well as enhancing the quality of its
kualitas sumber daya manusia, untuk dapat adaptif human resources in order to remain adaptive to
terhadap perkembangan teknologi informasi dan arah the advancements of information technology and
pengembangan bisnis Bank. direction of the Bank’s business development.
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Tata Kelola Perusahaan
Corporate Governance
Governance Process Governance Process
Governance process Bank Capital ditopang oleh Bank Capital’s governance process is supported by
berbagai aspek positif yang menjadi kekuatan utama various positive aspects serving as the main strengths
dalam memastikan pelaksanaan tata kelola berjalan in ensuring an effective implementation of corporate
efektif, antara lain: governance, including:
1. Direksi telah menjalankan pengelolaan Bank sesuai 1. The Board of Directors has managed the Bank in
kewenangan dan tanggung jawabnya sebagaimana accordance with its authorities and responsibilities
diatur dalam Anggaran Dasar dan peraturan as stipulated in the Articles of Association and
perundang-undangan yang berlaku; applicable laws and regulations;
2. Dewan Komisaris telah melaksanakan fungsi 2. The Board of Commissioners has carried out its
pengawasan atas pelaksanaan tugas Direksi melalui oversight function over the implementation of
pemantauan dan evaluasi terhadap pelaksanaan the duties of the Board of Directors by monitoring
kebijakan strategis Bank, termasuk persetujuan and evaluating the execution of the Bank’s strategic
rencana strategis, RBB, realisasi RBB, dan Laporan policies, including the approval of strategic plans,
Tahunan. Pengawasan juga dilakukan melalui rapat Bank Business Plan (RBB), RBB realization, and
bersama Komite Audit, Komite Pemantau Risiko, Annual Report. Oversight is also conducted through
serta Komite Remunerasi dan Nominasi; meetings with the Audit Committee, Risk Monitoring
Committee, and Remuneration and Nomination
Committee;
3. Komite Audit, Komite Pemantau Risiko, serta Komite 3. The Audit Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi telah menjalankan and Remuneration and Nomination Committee
fungsinya dalam membantu Dewan Komisaris have performed their functions in assisting Board
melakukan pengawasan atas kebijakan dan of Commissioners in supervising the policies and
pelaksanaan pengurusan oleh Direksi, sesuai management activities carried out by Board of
dengan ketentuan peraturan perundang-undangan, Directors, in line with applicable laws and regulations,
Anggaran Dasar, dan keputusan RUPS; Articles of Association, and GMS resolutions;
4. Dalam situasi benturan kepentingan, anggota Dewan 4. In terms of conflicts of interest, members of
Komisaris, Direksi, dan Pejabat Eksekutif mengambil the Board of Commissioners, Board of Directors, and
tindakan yang diperkukan guna mencegah potensi Executive Officers take the necessary actions to
kerugian bagi Bank; prevent potential losses to the Bank;
5. Direktur Kepatuhan dan Satuan Kerja Kepatuhan 5. The Compliance Director and Compliance Unit have
telah menjalankan tugasnya dengan memastikan carried out their duties by the Bank’s compliance
kepatuhan Bank terhadap ketentuan Otoritas Jasa with regulations of the Financial Services Authority
Keuangan dan peraturan yang berlaku, melalui and other applicable laws, by providing guidance or
pemberian arahan atau instruksi baik secara lisan instructions both verbal and written to the relevant
maupun tertulis kepada unit kerja terkait; work units;
6. SKAI telah menjalankan fungsi pengawasan secara 6. SKAI has performed its oversight function
independen dengan ruang lingkup pemeriksaan independently, with an adequate audit
yang memadai. Hasil pemeriksaan didistribusikan scope. Audit results are distributed to
kepada Auditee, Dewan Komisaris, dan Direksi untuk the Auditee, Board of Commissioners, and Board of
ditindaklanjuti; Directors for follow-up;
7. Akuntan publik dan kantor akuntan publik 7. The appointed public accountant and public
yang ditunjuk sejauh ini mampu bekerja secara accounting firm so far has been able to work
independen, memenuhi standar profesional akuntan independently, meeting the public accountant
publik, dan perjanjian kerja serta ruang lingkup audit professional standards, and the established
yang telah ditetapkan; cooperation agreement and audit scope;
8. Penerapan Manajemen risiko dan sistem 8. The implementation of risk management and internal
pengendalian internal pada Bank dilakukan melalui control system within the Bank is conducted through
koordinasi antara Satuan Kerja Manajemen Risiko, coordination between the Risk Management Unit,
Satuan Kerja Kepatuhan, dan SKAI. Satuan Kerja Compliance Unit, and SKAI. The Risk Management
Manajamen Risiko melakukan identifikasi risiko- Unit is identifying risks on every Bank’s business
risiko yang ada pada setiap lini bisnis Bank, Satuan lines, while the Compliance Unit in internalizing
Kerja Kepatuhan melakukan internalisasi ketentuan the provisions of laws and regulations governing
perundangan yang mengatur tentang penerapan the implementation of risk management in
manajemen risiko pada kegiatan usaha Bank. the Bank’s business activities. Based on
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Berdasarkan hasil identifikasi risiko yang dilakukan the results of risk identification and with reference to
serta mengacu pada ketentuan perundangan the applicable laws and regulations, the Management
yang berlaku, Manajemen menetapkan kebijakan- establishes internal policies as guidelines for
kebijakan internal sebagai acuan pelaksanaan the implementation of Bank’s operational activities.
kegiatan operasional Bank. SKAI melakukan kaji ulang SKAI conducts reviews of the implementation of
terhadap pelaksanaan kebijakan-kebijakan internal these internal policies within the Bank’s operational
dalam kegiatan operasional Bank, hasil pemeriksaan activities. The results of SKAI examination results
SKAI dilaporkan kepada Manajemen, dan dapat are reported to the Management and can be
digunakan sebagai bahan evaluasi terhadap strategi utilized as material to evaluate the risk management
penerapan manajemen risiko; implementation strategy;
9. Pelaksanaan kebijakan remunerasi dilakukan dengan 9. The implementation of remuneration policy is carried
berpedoman pada kebijakan Bank terkait remunerasi out by referring to the Bank’s policies on employee
karyawan. Sebelum ditetapkan dalam kebijakan, remuneration. Prior to being established in policy,
mekanisme penetapan struktur penggajian termasuk the mechanism to determine the salary structure,
remunerasi bagi karyawan dilakukan melalui including employee remuneration, is done through
pembahasan pendahuluan dalam rapat Komite preliminary discussion in the Remuneration and
Remunerasi dan Nominasi, dengan memperhatikan Nomination Committee meetings, by considering
sejumlah aspek, antara lain aspek kinerja dan aspek several aspects, such as performance and risk, as well
risiko, termasuk aspek kewajaran dengan peer group. as fairness relative to peer groups. In terms of employee
Terkait remunerasi bagi pegawai, hasil pembahasan remuneration, the discussion results in Remuneration
dalam rapat Komite Remunerasi dan Nominasi and Nomination Committee meetings are used as
sebelumnya digunakan sebagai bahan pertimbangan basis for Management’s consideration in determining
Manajemen untuk menetapkan struktur penggajian, the salary structure, including employee remuneration.
termasuk remunerasi bagi pegawai. Terkait In relation to provision of remuneration for the Board
pemberian remunerasi bagi Dewan Komisaris dan of Commissioners and Board of Directors, discussion
Direksi, hasil pembahasan dalam rapat Komite results in Remuneration and Nomination Committee
Remunerasi dan Nominasi dimaksud akan digunakan meetings are used as materials for the GMS, to
sebagai bahan materi RUPS, untuk selanjutnya be subsequently used as a basis for Shareholders’
dijadikan bahan pertimbangan bagi Pemegang consideration in determining the remuneration of
Saham dalam memutuskan pemberian remunerasi the Board of Commissioners and Board of Directors;
bagi Dewan Komisaris dan Direksi;
10. Dalam proses persetujuan penyediaan dana 10. In the process of approving funds extended to
kepada pihak terkait dan penyediaan dana besar related parties and large exposures, the Bank has
(large exposure), Bank telah menerapkan applied prudential principles and complied with
prinsip kehati-hatian dan memenuhi ketentuan applicable laws and regulations;
perundangan-undangan yang berlaku;
11. Dalam proses penyusunan Laporan Keuangan, 11. In the process of preparing the Financial
Bank memastikan integritas dari laporan yang Statements, the Bank ensures the integrity of
dihasilkan, baik melalui keandalan sistem informasi the report generated, both through reliability of
yang digunakan untuk menunjang data pelaporan the information systems used to support
dimaksud, maupun dari segi kompetensi dan the reporting data and through the competence and
integritas petugas penyusun laporan. Evaluasi integrity of the personnel responsible for preparing
terhadap proses penyusunan Laporan Keuangan, the report. Evaluation of the Financial Statements
termasuk distribusinya kepada pihak yang preparation process, including its distribution to
berkepentingan, dilakukan secara berkala dengan the relevant stakeholders, are conducted periodically
memperhatikan ketentuan perundangan yang by taking into account the prevailing laws and
berlaku; regulations;
12. Bank telah menyusun RBB dengan realistis, 12. The Bank has prepared its RBB in a realistic,
komprehensif, dan terukur (achievable), dengan comprehensive, and measurable (achievable)
memperhatikan prinsip kehati-hatian, serta manner, by considering prudential principles as well
memperhatikan faktor-faktor perubahan baik as internal and external factors of change;
internal maupun eksternal;
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Tata Kelola Perusahaan
Corporate Governance
13. Bank memperhatikan kepentingan atau hak 13. The Bank is paying attention to the interests and
Pemegang Saham, termasuk pelindungan terhadap rights of Shareholders, including the protection of
Pemegang Saham Minoritas, sesuai ketentuan Minority Shareholders, in line with the prevailing laws
perundangan yang berlaku, khususnya ketentuan and regulations, particularly provisions regarding
di bidang pasar modal dan perbankan; the capital markets and banking sectors;
14. Manajemen Bank berkomitmen menerapkan strategi 14. The Bank’s Management is committed to implement
anti-fraud melalui penetapan Kebijakan Penerapan an anti-f raud strategy through the establishment
Strategi Anti-Fraud. Selain itu, Manajemen Bank of an Anti-Fraud Strategy Policy. In addition,
juga telah membentuk Departemen Anti-Fraud yang the Bank’s Management has established an Anti-Fraud
bertanggung jawab dalam pelaksanaan strategi Department responsible for the implementation of
anti-fraud dalam organisasi Bank; dan anti-fraud strategy in the Bank’s organization; and
15. Direksi dan Dewan Komisaris, melalui keterlibatanya 15. The Board of Directors and Board of Commissioners,
dalam Komite Pemantau Risiko dan Komite lain through their involvement in the Risk Monitoring
yang terkait, telah mulai mempertimbangkan risiko Committee and other related committees, have
perubahan iklim dalam pengambilan keputusan started to consider climate change risks in their
strategis, termasuk melalui penyusunan Rencana strategic decision-making, including through
Aksi Keuangan Berkelanjutan (RAKB) yang the preparation of the Sustainable Finance Action
mengintegrasikan aspek keberlanjutan ke dalam Plan (RAKB), which integrates sustainability
model bisnis dan manajemen risiko Bank. Salah satu aspects into the Bank’s business model and risk
bentuk konkret implementasinya adalah pembelian management. One concrete form of implementation
Renewable Energy Certificate (REC) sebesar 2.098 is the purchase of 2,098 MWh of Renewable Energy
MWh sebagai bagian dari kontribusi Bank dalam Certificates (REC) as part of the Bank’s contribution
mendukung transisi energi bersih. Kebijakan ini in supporting the clean energy transition. This policy
mencerminkan pertimbangan trade-off yang diambil reflects the trade-off considerations taken by
oleh Direksi, di mana Bank mengalokasikan sumber the Board of Directors, whereby the Bank proactively
daya secara proaktif untuk mitigasi risiko transisi. allocates resources for transition risk mitigation.
Di samping itu, Bank juga sedang memperkuat In addition, the Bank is also strengthening
integrasi risiko iklim dalam kerangka manajemen the integration of climate risk into the risk
risiko agar pengambilan keputusan yang management framework to ensure that significant
signifikan senantiasa mempertimbangkan dampak decision-making consistently considering
perubahan iklim. the impacts of climate change.
Di balik berbagai capaian positif dalam governance Behind the various positive achievements in
process, Bank Capital juga mencatat sejumlah aspek yang the governance process, Bank Capital also noted
masih memerlukan penguatan dan penyempurnaan lebih several aspects that require further strengthening
lanjut. Salah satunya terkait dengan dinamika lingkungan and refinement. One of them is related to
eksternal yang masih diwarnai ketidakpastian ekonomi the external environment dynamics, which continues
global. Perkembangan ekonomi dunia menunjukkan to be characterized by global economic uncertainty.
sejumlah risiko yang perlu dicermati, antara lain potensi The global economy development is still showing
konflik geopolitik yang dapat memengaruhi arah several risks requiring close attention, including
kebijakan ekonomi global serta ekspektasi lanjutan potential geopolitical conflicts that may influence
penurunan suku bunga yang berpotensi memengaruhi the direction of global economic policies and
sentimen investor di pasar keuangan. Selain itu, expectations of further interest rate adjustments that
tantangan pemulihan ekonomi global juga mencakup may affect investor sentiment in the financial markets.
ketidakpastian pasar keuangan internasional yang dapat In addition, challenges in global economic recovery also
berdampak pada stabilitas sistem keuangan, serta include uncertainties in international financial markets
meningkatnya tuntutan terhadap implementasi ekonomi that may impact financial system stability, and increasing
hijau. Dalam menghadapi kondisi tersebut, pemerintah demands for green economy implementation. In
dituntut untuk semakin adaptif dalam merumuskan addressing these conditions, governments are required
kebijakan ekonomi nasional. Perkembangan ini pada to be more adaptive in formulating national economic
gilirannya dapat memengaruhi perencanaan strategis policies. These developments, in turn, may affect
Bank, yang perlu terus menyesuaikan diri dengan the Bank’s strategic planning, which continues to
dinamika perekonomian serta perkembangan ketentuan be adjusted to the economic dynamics as well as
peraturan perundang-undangan yang berlaku. development of the prevailing regulatory provisions.
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Governance Outcome Governance Outcome
Konsistensi penerapan GCG di Bank Capital tercermin Bank Capital’s consistency in implementing GCG
melalui berbagai governance outcome yang memperkuat is reflected in various governance outcomes that
kepercayaan pemangku kepentingan dan mendukung strengthen stakeholders’ confidence and supporting
keberlanjutan kinerja Bank, antara lain: the sustainability of the Bank’s performance, including:
1. Laporan pertanggungjawaban Direksi dimuat dalam 1. The Board of Directors’ accountability report is
Laporan Tahunan Bank dan telah memperoleh included in the Bank’s Annual Report and has been
persetujuan dari Pemegang Saham dalam RUPS approved by Shareholders at the Annual GMS, in line
Tahunan, sejalan dengan status Bank sebagai with the Bank’s status as a public company;
perusahaan publik;
2. Evaluasi Dewan Komisaris atas pelaksanaan 2. The Board of Commissioners’ evaluation of
kebijakan dan jalannya pengurusan oleh Direksi the implementation of policies and management by
dilakukan secara berkala melalui rapat, dan hasilnya the Board of Directors is done regularly via meetings,
telah didistribusikan kepada seluruh anggota and the results have been distributed to all members
Dewan Komisaris dan pihak yang terkait, khususnya of the Board of Commissioners and relevant parties,
kepada Direksi; particularly to the Board of Directors;
3. Setiap komite telah melaksanakan fungsinya 3. Each Committee has carried out its functions in line
sesuai ketentuan yang berlaku, ditunjukkan melalui with prevailing regulations, as shown through regular
penyelenggaraan rapat secara rutin dan pemberian meetings and the provision of recommendations
rekomendasi serta evaluasi terhadap isu-isu yang and evaluations on issues faced by the Bank;
dihadapi Bank;
4. Manajemen telah mengambil sejumlah langkah untuk 4. Management has taken several measures to avoid
menghindari benturan kepentingan yang dapat conflicts of interest that could harm or reduce
merugikan Bank atau mengurangi keuntungan Bank; the Bank’s profitability;
5. Bank telah menyampaikan Laporan Pokok 5. The Bank has submitted the Principal Report on
Pelaksanaan Tugas Direktur Kepatuhan dan laporan Implementation of Compliance Director’s Duties
khusus kepada Otoritas Jasa Keuangan, berisi and special reports to Financial Services Authority,
aktivitas dalam mendukung penerapan fungsi detailing activities that support the effective and
kepatuhan yang efektif dan berkesinambungan; continuous implementation of the compliance
function;
6. SKAI telah menjalankan audit secara objektif dan 6. SKAI has conducted audits objectively and
profesional, memastikan tindak lanjut atas hasil professionally, ensured follow-up on audit findings,
temuan audit, serta menyampaikan laporan kepada and submitted reports to the Board of Directors and
Direksi dan Dewan Komisaris; Board of Commissioners;
7. Hasil audit dari auditor eksternal telah memberikan 7. The audit results from External Auditor have given
gambaran permasalahan Bank dan disampaikan insights into the Bank’s issues and have been
tepat waktu kepada Otoritas Jasa Keuangan sesuai timely submitted to Financial Services Authority in
ketentuan; accordance with regulations;
8. Bank telah menerapkan manajemen risiko yang 8. The Bank has implemented risk management that
sesuai dengan tujuan, kebijakan bisnis, skala usaha, aligns with its objectives, business policies, scale of
kompleksitas, dan kapasitas Bank, dengan tetap operations, complexity, and capacity, while adhering
memperhatikan ketentuan perundang-undangan to applicable laws and regulations;
yang berlaku;
9. Pemberian remunerasi telah dilakukan dengan 9. The provision of remuneration has been conducted
mempertimbangkan kondisi serta arah by considering the Bank’s condition and future
pengembangan usaha Bank di masa mendatang, business development direction, as well as
serta perkembangan ketentuan perundangan yang developments in prevailing laws and regulations;
berlaku;
10. Penyediaan dana kepada pihak terkait dan/atau 10. The provision of funds to related parties and/or large
penyediaan dana besar telah memperhatikan: exposures has considered the following:
a. Prinsip kehati-hatian, di antaranya a. The prudential principle, including compliance
memperhatikan ketentuan Bank Indonesia with Bank Indonesia regulations on Legal Lending
tentang Batas Maksimum Pemberian Kredit Limit (LLL) as well as other prevailing laws and
(BMPK) serta ketentuan perundang-undangan regulations. The Compliance Unit is performing
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Tata Kelola Perusahaan
Corporate Governance
lainnya yang berlaku. Satuan Kerja Kepatuhan supervision to prevent any breach of the LLL,
melakukan pengawasan untuk mencegah as stated in Provision of Opinion on Credit
terjadinya pelampauan BMPK, yang dituangkan Proposal/Application; and
dalam Pemberian Opini terhadap Pengajuan/
Permohonan Kredit; dan
b. Penyediaan dana telah memperhatikan b. The provision of funds has considered the Bank’s
kemampuan permodalan Bank dan penyebaran/ capital adequacy and distribution/ diversification
diversifikasi portofolio kredit; of credit portfolio;
11. Proses pelaporan keuangan yang berintegritas 11. The financial reporting process with integrity is
dilakukan dengan berpedoman pada kebijakan- conducted by referring to the Bank’s relevant
kebijakan Bank yang relevan, salah satunya policies, including the Bank’s policy on Internal
berpedoman pada Kebijakan Bank terkait Pedoman Control Guidelines for Bank Financial Reporting.
Pengendalian Internal dalam Pelaporan Keuangan Internalization process of Bank’s policies, particularly
Bank. Proses internalisasi kebijakan-kebijakan Bank, those related to ensuring financial reporting with
khususnya yang terkait dengan pelaporan keuangan integrity, is conducted by referring to the prevailing
yang berintegritas dilakukan dengan mengacu pada laws and regulations;
ketentuan perundangan yang berlaku;
12. Rencana korporasi (corporate plan) dan rencana 12. The Bank’s corporate plan and business plan are
bisnis (business plan) Bank disusun selaras dengan prepared in alignment with the Bank’s vision and
visi dan misi Bank, serta dengan mempertimbangkan mission, as well as considering the macroeconomic
kondisi perekonomian secara makro, dan conditions and developments in the prevailing laws
perkembangan ketentuan perundangan yang and regulations;
berlaku;
13. Bank memperhatikan dan memastikan hak 13. The Bank is ensuring the fulfillment of the rights of
seluruh Pemegang Saham terpenuhi, seperti all Shareholders, including the right to obtain report
memperoleh laporan mengenai kondisi keuangan on the Bank’s financial condition, to seek resolution if
Bank, penyelesaian jika Pemegang Saham tidak the Shareholders disagree with the Bank’s activities
setuju terhadap aktivitas dan aksi korporasi Bank, and corporate actions, to cast a vote at the GMS, and
memberikan suara dalam RUPS, serta memperoleh to receive dividends in line with GMS resolutions, as
dividen berdasarkan keputusan RUPS, sebagaimana stipulated under the prevailing laws and regulations,
diatur dalam ketentuan perundangan yang berlaku, particularly in the capital markets and banking
khususnya di bidang pasar modal dan perbankan; sectors;
14. Penerapan strategi anti-fraud pada organisasi Bank 14. Implementation of anti-fraud strategy within
berpedoman pada Kebijakan Bank terkait Penerapan the Bank’s organization is guided by the Bank’s policy
Strategi Anti-Fraud. Penerapan strategi anti-fraud on the Implementation of Anti-Fraud Strategy.
dalam kebijakan dimaksud mencakup pilar: The implementation of the anti-fraud strategy under
such policy is including the following pillars:
a. Pencegahan; a. Prevention;
b. Deteksi; b. Detection;
c. Investigasi, pelaporan, dan sanksi; dan c. Investigation, reporting, and sanction; and
d. Pemantauan, evaluasi, dan tindak lanjut. d. Monitoring, evaluation, and follow-up.
15. Laporan Keuangan Berkelanjutan Tahunan Bank, 15. The Bank’s Annual Sustainable Finance Report, as
yang dimuat dalam Laporan Tahunan, memuat aspek included in the Annual Report, includes aspect
penerapan keuangan berkelanjutan dalam kegiatan of the implementation of sustainable finance
usaha Bank yang meliputi keberlanjutan aspek in the Bank’s business activities, covering both
sosial dan keberlanjutan aspek lingkungan hidup. the social and environmental sustainability aspects.
Penyusunan Laporan Keuangan Berkelanjutan Bank The preparation of the Bank’s Sustainable Finance
mengacu pada Peraturan Otoritas Jasa Keuangan Report is done by referring to the Financial
mengenai penerapan keuangan berkelanjutan bagi Services Authority regulation on implementation of
lembaga jasa keuangan, emiten, dan perusahaan sustainable finance for financial services institutions,
publik. issuers, and public companies.
Walaupun implementasi GCG di Bank Capital telah Despite several significant achievements generated
menghasilkan sejumlah capaian yang signifikan, by the GCG implementation at Bank Capital, there
terdapat aspek-aspek tertentu yang tetap menjadi are certain aspects remain as focus of ongoing
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fokus penguatan dan perbaikan berkelanjutan. Salah strengthening and continuous improvement. One of
satunya terkait dengan dinamika perekonomian global them is related to the global economy dynamics, which
yang masih diwarnai ketidakpastian. Perkembangan continues to be characterized by global economic
ekonomi dunia menunjukkan sejumlah risiko yang perlu uncertainty. The global economy development is still
dicermati, antara lain potensi konflik geopolitik yang showing several risks requiring close attention, including
dapat memengaruhi arah kebijakan ekonomi global potential geopolitical conflicts that may influence
serta ekspektasi lanjutan penurunan suku bunga yang the direction of global economic policies and
berpotensi memengaruhi sentimen investor di pasar expectations of further interest rate adjustments that
keuangan. Selain itu, proses pemulihan ekonomi global may affect investor sentiment in the financial markets.
juga dihadapkan pada tantangan berupa ketidakpastian In addition, challenges in global economic recovery also
pasar keuangan internasional yang dapat berdampak include uncertainties in international financial markets
pada stabilitas sistem keuangan, serta meningkatnya that may impact financial system stability, and increasing
tuntutan terhadap penerapan ekonomi dan keuangan demands for green economy implementation. In
hijau. Dalam menghadapi kondisi tersebut, pemerintah addressing these conditions, governments are required
dituntut untuk semakin adaptif dalam merumuskan to be more adaptive in formulating national economic
kebijakan ekonomi nasional. Dinamika tersebut pada policies. These dynamics, eventually, affect the Bank’s
akhirnya turut memengaruhi perencanaan strategis strategic planning, which continues to be adjusted to
Bank yang perlu terus menyesuaikan diri dengan the economic conditions as well as development of
perkembangan kondisi ekonomi serta ketentuan prevailing regulatory provisions.
peraturan perundang-undangan yang berlaku.
Dari hasil self-assessment penerapan GCG tahun 2025 From the self-assessment results of GCG
menghasilkan sejumlah rekomendasi yang ditetapkan implementation, several recommendations have been
sebagai perhatian utama Bank untuk ditindaklanjuti, established as the Bank’s key priorities for follow-up,
yaitu: namely:
Rekomendasi Rencana Tindak Lanjut
Recommendations Follow-Up Plan
Penyesuaian rencana strategis dan RBB guna mengantisipasi kondisi Melakukan penyesuaian strategi bisnis dengan lebih banyak
makroekonomi, perkembangan teknologi informasi, dan persaingan mengadopsi peran teknologi informasi dalam kegiatan usaha
usaha. Bank, guna mendukung layanan perbankan yang lebih efektif
dan efisien kepada nasabah. Terkait dengan adopsi teknologi
yang dilakukan, serta untuk lebih mendukung pencapaian target
bisnis, Bank juga telah melakukan penyesuaian pada struktur
organisasi, serta menetapkan program pengembangan sumber
daya manusia, sehingga pada akhirnya diharapkan proses adopsi
teknologi informasi yang digunakan dapat benar-benar membantu
pencapaian target bisnis Bank.
Adjustments to the strategic plan and RBB in anticipating Adjusting the business strategy by adopting more information
the macroeconomic conditions, information technology technology role in the Bank’s business activities, to support more
development, and business competition. effective and efficient banking services for customers. In relation
to the technology adoption conducted, and to further support
the achievement of business targets, the Bank also adjusted its
organizational structure as well as established human resources
development programs, and eventually the information technology
adoption process in use is expected to actually contribute to
the achievement of the Bank’s business targets.
Informasi laporan pelaksanaan GCG Bank juga dapat Information on the Bank’s GCG implementation report is
di akses pada situs web Bank bagian Tata Kelola also accessible via the Bank’s website under Corporate
Perusahaan. Governance.
162 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Rapat Umum Pemegang Saham
General Meeting of Shareholders
RUPS merupakan organ tertinggi dalam tata kelola The GMS is the highest organ in the Bank’s governance
Bank sesuai Undang-Undang Nomor 40 Tahun 2007, in line with Law Number 40 of 2007, Financial Services
Peraturan Otoritas Jasa Keuangan, dan Anggaran Dasar Authority Regulations, and the Bank’s Articles of
Bank. RUPS terdiri dari RUPS Tahunan yang digelar Association. The GMS consists of the Annual GMS,
setahun sekali serta RUPS Luar Biasa yang dapat held once a year, and the Extraordinary GMS, which
diselenggarakan sesuai kebutuhan. Sebagai forum can be held as needed. As a decision-making forum,
pengambilan keputusan, RUPS menjamin hak Pemegang the GMS ensures the Shareholders’ rights to express
Saham untuk menyampaikan pendapat dan memperoleh their opinions and obtain information, with decisions
informasi, dengan keputusan yang diambil secara wajar, made fairly, transparently, and without intervening
transparan, serta tanpa intervensi terhadap tugas Dewan the duties of the Board of Commissioners and the Board
Komisaris dan Direksi. of Directors.
Kebijakan Perlakuan yang Adil terhadap Fair Treatment of Shareholders Policy [G-08]
Pemegang Saham [G-08]
Bank Capital menegaskan komitmen untuk memberikan Bank Capital affirms commitment to provide equal
perlakuan yang setara serta melindungi hak-hak treatment and protecting the rights of Shareholders,
Pemegang Saham, baik itu Pemegang Saham Mayoritas either Majority or Minority Shareholders. These rights
maupun Pemegang Saham Minoritas. Hak-hak tersebut include the access to material information in an openly
meliputi akses terhadap informasi material secara and timely manner, the rights to vote at the GMS,
terbuka dan tepat waktu, hak memberikan suara dalam the rights to dividends in accordance with GMS
RUPS, hak atas dividen sesuai keputusan RUPS, serta decisions, as well as the resolution mechanism if there is
mekanisme penyelesaian apabila terjadi perbedaan any differing opinions related to corporate actions.
pendapat terkait aksi korporasi.
Sebagai langkah pencegahan, Bank Capital memastikan As a preventive measure, Bank Capital ensures there
tidak terjadinya praktik insider trading baik oleh is no insider trading practice, whether committed by
karyawan, Direksi, maupun Dewan Komisaris, serta the employees, the Board of Directors, or the Board of
menjalankan seluruh transaksi, termasuk dengan pihak Commissioners, and conducts all transactions, including
berelasi, secara transparan dan bebas dari benturan those with related parties, transparently and free from
kepentingan. Untuk memperkuat transparansi, Bank conflicts of interest. To strengthen transparency,
juga menyediakan saluran komunikasi yang mudah the Bank also facilitates easily accessible communication
diakses melalui berbagai platform resmi, seperti situs channels through various official platforms, such as
web yang memuat undangan, hasil RUPS, hingga website to publish invitations, GMS results, and voting
laporan pemungutan suara. Dengan demikian, seluruh reports. Thus, all Shareholders have equal opportunities
Pemegang Saham memperoleh kesempatan yang sama to actively participating in the Bank’s important
untuk berpartisipasi aktif dalam pengambilan keputusan decision-making processes.
penting bagi Bank.
Peran Pemegang Saham dalam Menjaga Role of Shareholders in Maintaining
Kesehatan dan Keberlangsungan Financial Health and Sustainability of
Usaha Bank the Bank
Sesuai dengan ketentuan Peraturan Otoritas Jasa Following provisions of Financial Services Authority
Keuangan mengenai penerapan tata kelola bank Regulation on the implementation of governance for
umum, Pemegang Saham berperan dalam mendukung commercial banks, Shareholders has a role in supporting
penerapan GCG serta menjaga keberlanjutan usaha implementation of GCG and maintaining the Bank’s
2025 Annual Report | PT Bank Capital Indonesia Tbk 163
Page 166
Bank melalui pelaksanaan hak dan kewajibannya secara business sustainability through responsible exercise bertanggung jawab. Pelaksanaan peran tersebut dilakukan of their rights and obligations. The execution of this dengan tetap memperhatikan prinsip kehati-hatian, role is done while observing the prudent principles, kepatuhan terhadap peraturan perundang-undangan, compliance with the laws and regulations, as well as serta ketentuan Anggaran Dasar Bank. the Bank’s Articles of Association. Pemegang Saham menjalankan kewenangannya melalui Shareholders exercise their authority through RUPS sebagai organ Bank yang memiliki wewenang yang the GMS as the Bank’s organ with authority not granted to tidak diberikan kepada Dewan Komisaris maupun Direksi. the Board of Commissioners or Board of Directors. Melalui RUPS, Pemegang Saham menetapkan keputusan Through the GMS, Shareholders made strategic strategis sesuai dengan kewenangannya, termasuk decisions within their authority, including the approval pengesahan Laporan Tahunan, penetapan penggunaan of Annual Report, determination of the use of profit, laba, serta pengangkatan dan pemberhentian anggota as well as appointment and dismissal of members of Dewan Komisaris dan Direksi, dengan memperhatikan the Board of Commissioners and Board of Directors, integritas, kompetensi, dan rekam jejak yang sesuai by taking into account the integrity, competence, and dengan ketentuan regulator. track record in line with regulatory requirements. Dalam kerangka tata kelola, Pemegang Saham memberikan Within the governance framework, Shareholders support dukungan terhadap pelaksanaan fungsi pengawasan the supervisory function by the Board of Commissioners oleh Dewan Komisaris dan fungsi pengurusan oleh and the management function by the Board of Directors Direksi, tanpa melakukan campur tangan terhadap without intervening the Bank’s operational activities. kegiatan operasional Bank. Pemisahan peran dan This division of roles and authorities among the Bank’s kewenangan antar organ Bank tersebut dilaksanakan organs is done to ensure independence, accountability, untuk memastikan independensi, akuntabilitas, serta and effective management of the Bank in accordance efektivitas pengelolaan Bank sesuai dengan ketentuan with the Financial Services Authority Regulation on Peraturan Otoritas Jasa Keuangan tentang Tata Kelola the Governance for Commercial Banks. Bank Umum. Pemegang Saham juga mendukung kecukupan Shareholders also support the Bank’s capital adequacy permodalan Bank sesuai dengan profil risiko dan in accordance with risk profile and applicable capital ketentuan permodalan yang berlaku, sebagai bagian dari regulations, as part of the efforts of maintaining upaya menjaga ketahanan Bank dalam menghadapi risiko the Bank’s resilience in facing risks and dynamics dan dinamika lingkungan usaha. Dukungan terhadap of the business environment. The capital structure penguatan struktur permodalan tersebut merupakan strengthening support is one of the Shareholders’ salah satu wujud komitmen Pemegang Saham dalam commitments in ensuring the Bank’s business continuity menjaga kelangsungan usaha Bank secara berkelanjutan. in a sustainable manner. Pelaksanaan RUPS 2025 GMS in 2025 Pada tahun 2025, Bank Capital menyelenggarakan RUPS In 2025, Bank Capital held the Annual and Extraordinary Tahunan dan Luar Biasa pada hari Rabu, 18 Juni 2025. GMS on Wednesday, 18 June 2025. The Bank held Bank melaksanakan RUPS Tahunan dan RUPS Luar Biasa the Annual GMS and Extraordinary GMS both secara elektronik (e-RUPS) dan secara fisik di Hotel electronically (e-GMS) and physically at Hotel Artotel Suites Mangkuluhur, Jl. Jend. Gatot Subroto Kav. Artotel Suites Mangkuluhur, Jl. Jend. Gatot Subroto II Nomor 3, Jakarta Selatan, Indonesia. Seluruh peserta Kav. II Number 3, Jakarta Selatan, Indonesia. All yang hadir e-RUPS maupun fisik dapat mengikuti dan participants, either attending via e-GMS or in person, were berpartisipasi secara aktif. Hasil Keputusan RUPS able to actively follow and participate. The resolutions tersebut telah dilaporkan kepada Otoritas Jasa Keuangan of these GMS have been reported to the Financial dan diumumkan pada situs web Bank (www.bankcapital. Services Authority and announced on the Bank’s website co.id), situs web Bursa Efek Indonesia (www.idx.co.id), (www.bankcapital.co.id), the Indonesia Stock Exchange dan situs web PT Kustodian Sentral Efek Indonesia website (www.idx.co.id), and PT Kustodian Sentral Efek (www.ksei.co.id). Indonesia website (www.ksei.co.id). 164 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Kehadiran dalam RUPS Tahunan 18 Juni 2025
Attendance at Annual GMS 18 June 2025
Pemegang Saham RUPS dihadiri dan diwakili sebanyak 17.228.141.944 saham dengan hak suara yang sah 86,34%
Shareholders dari jumlah seluruh saham yang telah dikeluarkan oleh Bank.
The GMS was attended and represented by a total of 17,228,141,944 shares, constituting
86.34% of the total shares issued by the Bank with valid voting rights.
Kehadiran Dewan Komisaris Komisaris Independen : Peter Kurniawan
Attendance of the Board of Komisaris Independen : Andrey Jayanto
Commissioners Independent Commissioner : Peter Kurniawan
Independent Commissioner : Andrey Jayanto
Kehadiran Direksi Direktur Utama : Kurniawan Halim
Attendance of the Board of Directors Direktur : Yenny Hoo
Direktur : Harri Setia Budhi
Direktur : Lim Migi Trisnadi Elias
Direktur : Febriyanti Ika Sari
President Director : Kurniawan Halim
Director : Yenny Hoo
Director : Harri Setia Budhi
Director : Lim Migi Trisnadi Elias
Director : Febriyanti Ika Sari
Penunjukan Pihak Independen Bank Capital telah menunjuk pihak independen, yaitu Biro Administrasi Efek PT Sinartama
dalam RUPS Tahunan Gunita dan Notaris Mahendra Adinegara SH, MKn, untuk melakukan proses penghitungan
Appointment of Independent Parties suara dan/atau melakukan validasi.
in the Annual GMS Bank Capital appointed independent parties, namely Securities Administration Bureau
PT Sinartama Gunita and Notary Mahendra Adinegara SH, MKn, to carry out the vote counting
process and/or validation.
Hasil Keputusan RUPS Tahunan 18 Juni 2025
Resolutions of the Annual GMS 18 June 2025
Keputusan Mata Acara Rapat Pertama
Resolutions of the First Agenda Item
Menyetujui Laporan Tahunan untuk tahun buku Approval of the Annual Report for the financial
yang berakhir pada tanggal 31 Desember 2024 dan year ending on 31 December 2024 and ratification
mengesahkan Laporan Keuangan Perseroan termasuk of the Company’s Financial Statements, including
Laporan Pengawasan Dewan Komisaris Perseroan the Board of Commissioners’ Supervisory Report,
untuk tahun buku yang berakhir pada tanggal for the financial year ending on 31 December
31 Desember 2024 serta memberikan pelunasan dan 2024 and granting full release and discharge of
Keputusan pembebasan tanggung jawab sepenuhnya (acquit responsibility (acquit et de charge) to all members
Resolution et de charge) kepada seluruh anggota Direksi atas of the Board of Directors for all management
semua tindakan kepengurusan serta kepada seluruh actions and to all members of the Board of
anggota Dewan Komisaris atas semua tindakan Commissioners for all supervisory actions carried
pengawasan yang telah dijalankan selama tahun buku out during the Company’s financial year ending on
Perseroan yang berakhir pada tanggal 31 Desember 31 December 2024, as long as these actions are
2024, sejauh tindakan tersebut tercermin dalam reflected in the Company’s Financial Statements for
Laporan Keuangan Perseroan Tahun Buku 2024. the 2024 Financial Year.
Realisasi
Telah direalisasikan sepenuhnya. Fully realized.
Realization
Pengambilan Suara
Musyawarah mufakat. Consensus.
Voting Method
2025 Annual Report | PT Bank Capital Indonesia Tbk 165
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Keputusan Mata Acara Rapat Kedua
Resolutions of the Second Agenda Item
Menyetujui penetapan penggunaan laba bersih Approval of the determination of the use of
Perseroan tahun buku 2024 sebesar Rp109,37 miliar the Company’s net profit for the 2024 financial year
yang digunakan sebagai berikut: amounting to Rp109.37 billion as follows:
Keputusan 1. Sebesar Rp2 miliar digunakan untuk menambah 1. An amount of Rp2 billion will be used to increase
Resolution dana cadangan, guna memenuhi ketentuan Pasal 22 reserve funds in order to comply with Article 22 of
Anggaran Dasar Perseroan. the Company’s Articles of Association.
2. Dan sisanya dicatat sebagai saldo laba ditahan 2. The remainder is recorded as retained earnings
yang akan digunakan untuk kebutuhan Perseroan. that will be used for the Company’s needs.
Realisasi
Telah direalisasikan sepenuhnya. Fully realized.
Realization
Pengambilan Suara
Musyawarah mufakat. Consensus.
Voting Method
Keputusan Mata Acara Rapat Ketiga
Resolutions of the Third Agenda Item
Menyetujui untuk memberikan kewenangan kepada Approval to grant authority to the Company’s
Dewan Komisaris Perseroan untuk menunjuk dan Board of Commissioners to appoint and determine
menetapkan akuntan publik/kantor akuntan publik a public accountant/public accounting firm that
Keputusan
yang akan mengaudit Laporan Keuangan Perseroan will audit the Company’s Financial Statements for
Resolution
untuk tahun buku yang berakhir pada tanggal the financial year ending on 31 December 2025, as
31 Desember 2025, sepanjang memenuhi kriteria yang long as it meets the predetermined criteria, along
telah ditentukan beserta penentuan honorariumnya. with the determination of its honorarium.
Realisasi
Telah direalisasikan sepenuhnya. Fully realized.
Realization
Pengambilan Suara
Musyawarah mufakat. Consensus.
Voting Method
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Tata Kelola Perusahaan
Corporate Governance
Keputusan Mata Acara Rapat Keempat
Resolutions of the Fourth Agenda Item
Menyetujui untuk menetapkan gaji atau honorarium Approval to determine the salary or honorarium
dan tunjangan bagi anggota Dewan Komisaris and benefits for members of the Company’s Board
Perseroan dan besarnya gaji dan tunjangan bagi of Commissioners and the amount of salary or
anggota Direksi ditentukan sebagai berikut: honorarium and benefits for members of the Board
of Directors as follows:
1. Untuk penetapan gaji atau honorarium dan 1. For the determination of salary or honorarium
tunjangan bagi Dewan Komisaris Perseroan: and benefits for the Company’s Board of
Commissioners:
a. Rapat memberikan kuasa dan wewenang kepada a. The meeting granted power and authority
Pemegang Saham Pengendali Perseroan untuk to the Company’s Controlling Shareholders
menetapkan remunerasi, tunjangan, fasilitas dan to determine the remuneration, benefits,
insentif lainnya bagi anggota Dewan Komisaris facilities, and other incentives for members
Perseroan dengan memperhatikan saran dan of the Company’s Board of Commissioners by
rekomendasi dari Komite Remunerasi dan considering the advice and recommendations of
Nominasi Perseroan. the Company’s Remuneration and Nomination
Committee.
b. Rapat memberikan kuasa kepada Dewan b. The meeting granted authority to the Company’s
Keputusan
Komisaris Perseroan untuk menetapkan rincian Board of Commissioners to determine
Resolution
pembagian jumlah remunerasi, tunjangan, the details of the distribution of the amount
fasilitas, dan insentif lainnya yang akan of remuneration, benefits, facilities, and other
diberikan di antara masing-masing anggota incentives to be given to each member of
Dewan Komisaris yang bersangkutan dengan the Board of Commissioners by considering
memperhatikan saran/pendapat yang diberikan the advice/opinions provided by the Company’s
oleh Komite Remunerasi dan Nominasi Remuneration and Nomination Committee.
Perseroan.
2. Untuk penetapan besarnya gaji dan tunjangan 2. For the determination of the amount of salary
bagi anggota Direksi Perseroan, rapat memberikan or honorarium and benefits for members of
kuasa dan wewenang kepada Dewan Komisaris the Company’s Board of Directors, the meeting
Perseroan untuk menetapkan remunerasi, granted power and authority to the Company’s
tunjangan, fasilitas, dan insentif lainnya bagi Board of Commissioners to determine
anggota Direksi Perseroan dengan memperhatikan the remuneration, benefits, facilities, and other
saran dan rekomendasi dari Komite Remunerasi incentives for members of the Company’s Board
dan Nominasi Perseroan. of Directors by considering the advice and
recommendations of the Company’s Remuneration
and Nomination Committee.
Realisasi
Telah direalisasikan sepenuhnya. Fully realized.
Realization
Pengambilan Suara
Musyawarah mufakat. Consensus.
Voting Method
Keputusan Mata Acara Rapat Kelima
Resolutions of the Fifth Agenda Item
1. Menyetujui Rencana Aksi Pemulihan (Recovery 1. Approval of the Company’s Recovery Plan in line
Plan) Perseroan sesuai dengan Peraturan Otoritas with Financial Services Authority Regulation
Jasa Keuangan Nomor 5 Tahun 2024 tentang Number 5 of 2024 on the Determination of
Penetapan Status Pengawasan dan Penanganan Supervision Status and Handling of Issues in
Permasalahan Bank Umum. Commercial Banks.
Keputusan 2. Menyetujui pelimpahan kewenangan kepada 2. Approval of delegation of authority to
Resolution Direksi Perseroan untuk melakukan setiap dan the Company’s Board of Directors to take
seluruh tindakan yang diperlukan sehubungan any and all actions necessary in relation with
dengan Rencana Aksi Pemulihan (Recovery Plan) the Company’s Recovery Plan, as long as such
Perseroan selama tidak bertentangan dengan actions do not conflict with provisions of laws and
ketentuan perundang-undangan yang berlaku bagi regulations applicable to the Company.
Perseroan.
Realisasi
Telah direalisasikan sepenuhnya. Fully realized.
Realization
Pengambilan Suara
Musyawarah mufakat. Consensus.
Voting Method
2025 Annual Report | PT Bank Capital Indonesia Tbk 167
Page 170
Kehadiran dalam RUPS Luar Biasa 18 Juni 2025
Attendance at Extraordinary GMS 18 June 2025
RUPS dihadiri dan diwakili sebanyak 17.228.238.144 saham dengan hak suara yang sah 86,34%
Pemegang Saham dari jumlah seluruh saham yang telah dikeluarkan oleh Bank.
Shareholders The GMS was attended and represented by a total of 17,228,238,144 shares, constituting
86.34% of the total shares issued by the Bank with valid voting rights.
Komisaris Independen : Peter Kurniawan
Kehadiran Dewan Komisaris
Komisaris Independen : Andrey Jayanto
Attendance of the Board of
Independent Commissioner : Peter Kurniawan
Commissioners
Independent Commissioner : Andrey Jayanto
Direktur Utama : Kurniawan Halim
Direktur : Yenny Hoo
Direktur : Harri Setia Budhi
Direktur : Lim Migi Trisnadi Elias
Kehadiran Direksi Direktur : Febriyanti Ika Sari
Attendance of the Board of Directors President Director : Kurniawan Halim
Director : Yenny Hoo
Director : Harri Setia Budhi
Director : Lim Migi Trisnadi Elias
Director : Febriyanti Ika Sari
Bank Capital telah menunjuk pihak independen, yaitu Biro Administrasi Efek PT Sinartama
Penunjukan Pihak Independen Gunita dan Notaris Mahendra Adinegara SH, MKn, untuk melakukan proses penghitungan
dalam RUPS Tahunan suara dan/atau melakukan validasi.
Appointment of Independent Parties Bank Capital appointed independent parties, namely Securities Administration Bureau
in the Annual GMS PT Sinartama Gunita and Notary Mahendra Adinegara SH, MKn, to carry out the vote counting
process and/or validation.
Keputusan Mata Acara Rapat Pertama
Resolutions of the First Agenda Item
1. Memberikan persetujuan kepada Direksi 1. Approval for the Company’s Board of Directors to
Perseroan untuk mengalihkan, melepaskan hak, transfer, relinquish rights, or pledge as collateral
atau menjadikan jaminan utang atas kekayaan the Company’s assets, which constitutes of more
Perseroan yang merupakan lebih dari 50% jumlah than 50% of the Company’s net assets within
kekayaan bersih Perseroan dalam satu transaksi a single transaction or multiple transactions that
atau beberapa transaksi yang berdiri sendiri may be independent or interconnected.
ataupun yang berkaitan satu sama lain.
2. Menyetujui pemberian kuasa kepada Direksi 2. Approval to grant power to the Company’s Board
Keputusan
Perseroan baik bersama-sama maupun sendiri- of Directors either jointly or individually with
Resolution
sendiri dengan hak substitusi untuk menyatakan the right of substitution to declare the resolutions
keputusan dalam agenda Rapat Luar Biasa ini of the Extraordinary Meeting agendas in
dalam suatu akta Notaris tersendiri, membuat dan a separate Notarial deed, make and sign all
menandatangani segala surat dan/atau akta-akta necessary letters and/or deeds, then carry out
yang diperlukan, selanjutnya melakukan segala everything deemed necessary and useful to
sesuatu yang dipandang perlu dan berguna untuk implement the resolutions of the Extraordinary
melaksanakan keputusan agenda Rapat Luar Biasa Meeting agendas above, without any exceptions.
di atas, tanpa ada yang dikecualikan.
Realisasi
Telah direalisasikan sepenuhnya. Fully realized.
Realization
Pengambilan Suara
Musyawarah mufakat. Consensus.
Voting Method
Keputusan Mata Acara Rapat Kedua
Resolutions of the Second Agenda Item
Agenda kedua RUPS Luar Biasa tidak dibahas lebih The second agenda of the Extraordinary GMS
Keputusan
lanjut sehingga tidak dilakukan pemungutan suara was not discussed further, thus no voting or
Resolution
serta pengambilan keputusan. decision-making was conducted.
Realisasi
Telah direalisasikan sepenuhnya. Fully realized.
Realization
Pengambilan Suara
Musyawarah mufakat. Consensus.
Voting Method
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Tata Kelola Perusahaan
Corporate Governance
Keputusan RUPS Tahun Sebelumnya Resolutions of the Previous Year’s GMS
Seluruh keputusan yang ditetapkan dalam RUPS tahun All resolutions established in the previous year’s GMS
sebelumnya telah ditindaklanjuti secara konsisten oleh have been consistently followed-up by the Bank.
Bank. Rincian keputusan RUPS tahun 2024 disajikan The detailed 2024 GMS resolutions are presented as
sebagai berikut: follows:
Hasil Keputusan RUPS Tahunan 27 Juni 2024
Resolutions of the Annual GMS 27 June 2024
Keputusan Mata Acara Rapat Pertama
Resolutions of the First Agenda Item
Menyetujui Laporan Tahunan untuk tahun buku yang berakhir Approval of the Annual Report for the financial year ending on
pada tanggal 31 Desember 2023 dan mengesahkan Laporan 31 December 2023 and ratification of the Company’s Financial
Keuangan Perseroan termasuk Laporan Pengawasan Dewan Statements, including the Board of Commissioners’ Supervisory
Komisaris Perseroan untuk tahun buku yang berakhir pada tanggal Report, for the financial year ending on 31 December 2023 and
31 Desember 2023 serta memberikan pelunasan dan pembebasan granting full release and discharge of responsibility (acquit
tanggung jawab sepenuhnya (acquit et de charge) kepada et de charge) to all members of the Board of Directors for
seluruh anggota Direksi atas semua tindakan kepengurusan serta all management actions and to all members of the Board of
kepada seluruh anggota Dewan Komisaris atas semua tindakan Commissioners for all supervisory actions carried out during
pengawasan yang telah dijalankan selama tahun buku Perseroan the Company’s financial year ending on 31 December 2023, as
yang berakhir pada tanggal 31 Desember 2023, sejauh tindakan long as these actions are reflected in the Company’s Financial
tersebut tercermin dalam Laporan Keuangan Perseroan Tahun Statements for the 2023 Financial Year.
Buku 2023.
Keputusan Mata Acara Rapat Kedua
Resolutions of the Second Agenda Item
Approval of the determination of the use of the Company’s net
Menyetujui penetapan penggunaan laba bersih Perseroan tahun
profit for the 2023 financial year amounting to Rp101.77 billion
buku 2023 sebesar Rp101,77 miliar yang digunakan sebagai
as follows:
berikut:
1. An amount of Rp2 billion will be used to increase reserve funds
1. Sebesar Rp2 miliar digunakan untuk menambah dana cadangan,
in order to comply with Article 22 of the Company’s Articles of
guna memenuhi ketentuan Pasal 22 Anggaran Dasar Perseroan.
Association.
2. Sisanya dicatat sebagai saldo laba ditahan yang akan digunakan 2. The remainder is recorded as retained earnings that will be
untuk kebutuhan Perseroan. used for the Company’s needs.
Keputusan Mata Acara Rapat Ketiga
Resolutions of the Third Agenda Item
Laporan realisasi hasil penggunaan dana Penambahan Modal Report on realization of the use of funds from the Capital Increase
Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) Tahun Without Pre-emptive Rights (PMTHMETD) in 2023.
2023.
Keputusan Mata Acara Rapat Keempat
Resolutions of the Fourth Agenda Item
Menyetujui untuk memberikan kewenangan kepada Dewan Approval to grant authority to the Company’s Board of
Komisaris Perseroan untuk menunjuk dan menetapkan akuntan Commissioners to appoint and determine a public accountant/
publik/kantor akuntan publik yang akan mengaudit Laporan public accounting firm that will audit the Company’s Financial
Keuangan Perseroan untuk tahun buku yang berakhir pada Statements for the financial year ending on 31 December
tanggal 31 Desember 2024, sepanjang memenuhi kriteria yang 2024, as long as it meets the predetermined criteria, along with
telah ditentukan beserta penentuan honorariumnya. the determination of its honorarium.
Keputusan Mata Acara Rapat Kelima
Resolutions of the Fifth Agenda Item
Menyetujui untuk menetapkan gaji atau honorarium dan tunjangan Approval to determine the salary or honorarium and benefits
bagi anggota Dewan Komisaris Perseroan dan besarnya gaji for members of the Company’s Board of Commissioners and
atau honorarium dan tunjangan bagi anggota Direksi ditentukan the amount of salary or honorarium and benefits for members of
sebagai berikut: the Board of Directors:
1. Untuk penetapan gaji atau honorarium dan tunjangan bagi 1. For the determination of salary or honorarium and benefits for
Dewan Komisaris Perseroan: the Company’s Board of Commissioners:
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a. Rapat memberikan kuasa dan wewenang kepada Pemegang a. The meeting granted power and authority to the Company’s
Saham Pengendali Perseroan untuk menetapkan remunerasi, Controlling Shareholders to determine the remuneration,
tunjangan, fasilitas, dan insentif lainnya bagi anggota benefits, facilities, and other incentives for members of
Dewan Komisaris Perseroan dengan memperhatikan saran the Company’s Board of Commissioners by considering
dan rekomendasi dari Komite Remunerasi dan Nominasi the advice and recommendations of the Company’s
Perseroan. Remuneration and Nomination Committee.
b. Rapat memberikan kuasa kepada Dewan Komisaris Perseroan b. The meeting granted authority to the Company’s Board of
untuk menetapkan rincian pembagian jumlah remunerasi, Commissioners to determine the details of the distribution
tunjangan, fasilitas, dan insentif lainnya yang akan diberikan of the amount of remuneration, benefits, facilities, and
di antara masing-masing anggota Dewan Komisaris yang other incentives to be given to each member of the Board
bersangkutan dengan memperhatikan saran/pendapat yang of Commissioners by considering the advice/opinions
diberikan oleh Komite Remunerasi dan Nominasi Perseroan. provided by the Company’s Remuneration and Nomination
Committee.
2. Untuk penetapan besarnya gaji atau honorarium dan tunjangan 2. For the determination of the amount of salary or honorarium
bagi anggota Direksi Perseroan, rapat memberikan kuasa and benefits for members of the Company’s Board of Directors,
dan wewenang kepada Dewan Komisaris Perseroan untuk the meeting granted power and authority to the Company’s
menetapkan remunerasi, tunjangan, fasilitas, dan insentif Board of Commissioners to determine the remuneration,
lainnya bagi anggota Direksi Perseroan dengan memperhatikan benefits, facilities, and other incentives for members of
saran dan rekomendasi dari Komite Remunerasi dan Nominasi the Company’s Board of Directors by considering the advice
Perseroan. and recommendations of the Company’s Remuneration and
Nomination Committee.
Hasil Keputusan RUPS Luar Biasa 27 Juni 2024
Resolutions of the Extraordinary GMS 27 June 2024
Keputusan Mata Acara Rapat Pertama
Resolutions of the First Agenda Item
1. Menyetujui dan mengesahkan serta meratifikasi tindakan 1. Approval, validation, and ratification of the Company’s actions
Perseroan atas Pengambilalihan Perseroan oleh PT Capital in relation to the Acquisition of the Company by PT Capital
Global Investama terhadap saham PT Inigo Global Capital Global Investama of shares in PT Inigo Global Capital and
dan PT Delta Indo Swakarsa pada tanggal 11 Juli 2022 dan PT Delta Indo Swakarsa on 11 July 2022 and 12 July 2022, as well
12 Juli 2022 serta pembelian saham baru melalui Penambahan as the new shares purchased through the Capital Increase
Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) Without Pre-emptive Rights (PMTHMETD) on 7 December 2022,
pada tanggal 7 Desember 2022 yang telah diumumkan sesuai announced in line with the Information Disclosure published
dengan Keterbukaan Informasi yang diterbitkanoleh Perseroan by the Company through printed media “Harian Neraca” and in
melalui media cetak “Harian Neraca” dan website Perseroan the Company’s website on 17 April 2024.
pada tanggal 17 April 2024.
2. Menyetujui rancangan pengambilalihan yang telah 2. Approval of the acquisition plan as stated in the Information
disampaikan dalam Keterbukaan Informasi yang diumumkan Disclosure announced by the Company through printed
oleh Perseroan melalui media cetak “Harian Neraca” dan media “Harian Neraca” and in the Company’s website on
website Perseroan pada tanggal 17 April 2024 dan konsep 17 April 2024, altogether with draft of acquisition deed, and
akta pengambilalihan serta memberikan kuasa kepada Direksi granted authority to the Company’s Board of Directors to
Perseroan untuk membuat, menyusun, dan menandatangani prepare, draft, and sign the Acquisition Deed, and to take all
Akta Pengambilalihan serta melakukan segala tindakan yang the necessary actions related to the acquisition in accordance
diperlukan terkait pengambilalihan sesuai dengan peraturan with the applicable laws and regulations.
perundangan yang berlaku.
Keputusan Mata Acara Rapat Kedua
Resolutions of the Second Agenda Item
1. Memberikan persetujuan kepada Direksi Perseroan untuk 1. Approval for the Company’s Board of Directors to transfer,
mengalihkan, melepaskan hak, atau menjadikan jaminan utang relinquish rights, or pledge as collateral the Company’s assets,
atas kekayaan Perseroan yang merupakan lebih dari 50% which constitutes of more than 50% of the Company’s net
jumlah kekayaan bersih Perseroan dalam satu transaksi atau assets within a single transaction or multiple transactions that
beberapa transaksi yang berdiri sendiri ataupun yang berkaitan may be independent or interconnected.
satu sama lain.
2. Menyetujui pemberian kuasa kepada Direksi Perseroan 2. Approval to grant power to the Company’s Board of Directors
baik bersama-sama maupun sendiri-sendiri dengan hak either jointly or individually with the right of substitution to
substitusi untuk menyatakan keputusan dalam agenda Rapat declare the resolutions of the Extraordinary Meeting agendas
Luar Biasa ini dalam suatu akta Notaris tersendiri, membuat in a separate Notarial deed, make and sign all necessary letters
dan menandatangani segala surat dan/atau akta-akta yang and/or deeds, then carry out everything deemed necessary
diperlukan, selanjutnya melakukan segala sesuatu yang and useful to implement the resolutions of the Extraordinary
dipandang perlu dan berguna untuk melaksanakan keputusan Meeting agendas above, without any exceptions.
agenda Rapat Luar Biasa di atas, tanpa ada yang dikecualikan.
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Tata Kelola Perusahaan
Corporate Governance
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ tata kelola Bank yang The Board of Commissioners is a governance organ of
berfungsi mengawasi pelaksanaan usaha, memberikan the Bank functioned to supervise business operations,
nasihat kepada Direksi, serta memastikan penerapan provide counsel to the Board of Directors, and ensuring
prinsip GCG di seluruh jenjang organisasi. Selain itu, the implementation of GCG principles across all
Dewan Komisaris bertanggung jawab memastikan organizational levels. The Board of Commissioners
kegiatan usaha Bank berjalan sesuai Anggaran Dasar, is also responsible to ensure that the Bank’s business
tujuan yang ditetapkan, serta kepatuhan terhadap activities are conducted in line with the Articles of
seluruh peraturan perundang-undangan yang berlaku. Association, the established objectives, and compliance
with all applicable laws and regulations.
Pedoman dan Tata Tertib Kerja Work Guidelines and Rules
Dewan Komisaris memiliki pedoman dan tata tertib The Board of Commissioners has work guidelines and
kerja yang menjadi acuan dalam menjalankan fungsi, rules as reference to carry out its functions, duties,
tugas, dan tanggung jawabnya. Pedoman ini dievaluasi and responsibilities. These guidelines are evaluated and
serta diperbarui secara berkala sesuai ketentuan yang updated periodically in line with applicable regulations,
berlaku, terakhir pada 3 Desember 2024 melalui Surat lastly on 3 December 2024 through the Board of
Keputusan Direksi Nomor SK/DIR/166/XII/2024, dan Directors’ Decree Number SK/DIR/166/XII/2024, and
telah dipublikasikan di situs web Bank. have been published on the Bank’s website.
Kriteria [G-06] Criteria [G-06]
Pemilihan anggota Dewan Komisaris Bank Capital Selection of members of Bank Capital’s Board
dilakukan dengan mempertimbangkan integritas, of Commissioners is conducted by considering
kompetensi, dan reputasi sesuai ketentuan Otoritas the integrity, competence, and reputation following
Jasa Keuangan. Untuk menjaga independensi, mayoritas Financial Services Authority regulations. To maintain
anggota tidak diperkenankan memiliki hubungan independence, the majority of members are not allowed
keluarga hingga derajat kedua dengan sesama Komisaris to have familial relationships up to the second degree
maupun Direksi. Setiap calon wajib memiliki moral yang with fellow members of the Board of Commissioners or
baik, rekam jejak positif, serta bebas dari catatan hukum Board of Directors. Every candidate must possess good
maupun kredit bermasalah. Dari sisi kompetensi, calon moral, positive track record, and free of any legal record
harus memahami fungsi pengawasan, manajemen or non-performing loans. In terms of competence,
risiko, kepatuhan regulasi, serta kondisi pasar domestik, candidate must understand the supervisory function,
khususnya bagi anggota yang berasal dari luar negeri. risk management, regulatory compliance, and domestic
market conditions, particularly for members coming
from abroad.
Dalam menjalankan tugasnya, anggota Dewan Komisaris In carrying out their duties, members of the Board
dituntut untuk menjunjung tinggi integritas, menghindari of Commissioners are required to uphold integrity,
benturan kepentingan, dan senantiasa melindungi avoid conflicts of interest, and constantly protecting
kepentingan Bank. Proses pengangkatan anggota yang the Bank’s interests. The appointment process for
berasal dari lembaga pengawas tunduk pada cooling-off members coming from supervisory institutions
period selama 6 bulan, dan Otoritas Jasa Keuangan is subject to a 6 month cooling-off period, and
berwenang menolak atau membatalkan pengangkatan the Financial Services Authority has the authority to
apabila terjadi benturan kepentingan. reject or to cancel any appointment in the event of
a conflicts of interest.
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Pengangkatan, Pemberhentian, Appointment, Dismissal, and Replacement
dan Penggantian
Pengangkatan, penggantian, dan pemberhentian The appointment, replacement, and dismissal of
anggota Dewan Komisaris dilaksanakan dengan members of the Board of Commissioners are conducted
mengutamakan kepentingan Bank serta melalui by prioritizing the Bank’s interests and through
keputusan RUPS dengan memperhatikan rekomendasi GMS resolutions, by considering Remuneration and
Komite Remunerasi dan Nominasi. Anggota komite yang Nomination Committee recommendation. Committee
memiliki benturan kepentingan wajib mengungkapkannya members with conflicts of interest are required to
dalam proses pemberian rekomendasi. disclose them during the recommendation process.
Penetapan komposisi Dewan Komisaris mengedepankan Composition of the Board of Commissioners is prioritizing
prinsip profesionalisme, independensi, kesesuaian the principles of professionalism, independence,
kompetensi, serta keberagaman yang relevan dengan appropriate competence, and diversity relevant to
pelaksanaan tugas dan tanggung jawab. Bank the execution of duties and responsibilities. In its Articles
telah menetapkan dalam Anggaran Dasar kriteria, of Association, the Bank has established the criteria,
mekanisme, dan tata cara pengangkatan, penggantian, mechanism, and procedures for the appointment,
pemberhentian, dan/atau pengunduran diri anggota replacement, dismissal, and/or resignation of members
Dewan Komisaris, termasuk kewenangan yang melekat, of the Board of Commissioners, and the inherent
serta masa jabatan paling lama 5 tahun untuk 1 periode authorities, as well as a maximum term of 5 years for
sejak tanggal efektif pengangkatan oleh RUPS, sesuai 1 period from the effective date of appointment by
ketentuan peraturan perundang-undangan yang berlaku. GMS, in line with provisions of applicable laws and
regulations.
Pengangkatan, Pemberhentian, dan Appointment, Dismissal, and Replacement of
Penggantian Dewan Komisaris Board of Commissioners Prior to End of Term
Sebelum Masa Jabatan Berakhir
Pemberhentian dan/atau penggantian anggota Dewan The dismissal and/or replacement of members of
Komisaris dilaksanakan dengan mengutamakan the Board of Commissioners is conducted by
kepentingan Bank dan didasarkan pada penilaian yang prioritizing the Bank’s interests and is based on
objektif atas kemampuan dalam melaksanakan tugas, an objective assessment of their ability to carry out
tanggung jawab, serta pengawasan terhadap penerapan the duties, responsibilities, as well as supervision
strategi Bank yang sehat. Penilaian tersebut tidak on the implementation of the Bank’s healthy
didasarkan pada pertimbangan subjektif Pemegang strategy. The assessment is not based on subjective
Saham dan dilakukan melalui mekanisme yang considerations of Shareholders but is conducted
berlaku dengan memperhatikan rekomendasi Komite through applicable mechanism, by considering
Remunerasi dan Nominasi serta diagendakan dalam the Remuneration and Nomination Committee
RUPS. recommendations and included in the GMS agenda.
Pelaksanaan pemberhentian dan/atau penggantian The dismissal and/or replacement of the Board of
Dewan Komisaris dilakukan secara terencana, Commissioners is carried out in a planned manner, by
mengedepankan komunikasi yang efektif, prinsip GCG, prioritizing effective communication, GCG principles,
dan aspek kehati-hatian, serta tidak menimbulkan and prudent principle, while not disrupting the Bank’s
gangguan terhadap pengorganisasian maupun kegiatan organization or business activities. The Financial
usaha Bank. Otoritas Jasa Keuangan berwenang Services Authority has the authority to evaluate and
melakukan evaluasi dan tindakan korektif atas keputusan make any corrective actions on the appointment,
pengangkatan, pemberhentian, dan/atau penggantian dismissal, and/or replacement of members of the Board
anggota Dewan Komisaris, yang dapat disampaikan of Commissioners, which can be submitted through
melalui perintah tertulis sesuai ketentuan peraturan written instruction in accordance with the applicable
perundang-undangan yang berlaku. laws and regulations.
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Tata Kelola Perusahaan
Corporate Governance
Pengangkatan, Pemberhentian, dan Penggantian Appointment, Dismissal, and Replacement
Anggota Dewan Komisaris Independen Sebelum of Members of Independent Board of
Masa Jabatan Berakhir Commissioners Prior to End of Term
Pemberhentian dan/atau penggantian Komisaris The dismissal and/or replacement of the Independent
Independen sebelum berakhirnya masa jabatan wajib Commissioners prior to end of term must obtain initial
memperoleh persetujuan terlebih dahulu dari Otoritas approval from the Financial Services Authority before
Jasa Keuangan sebelum diputuskan dalam RUPS. Untuk being decided at the GMS. For an assessment purpose,
keperluan penilaian, Bank menyampaikan permohonan the Bank submits a request to the Financial Services
kepada Otoritas Jasa Keuangan paling lambat 1 bulan Authority no later than 1 month prior to the GMS,
sebelum RUPS yang memuat alasan pemberhentian describing the reasons for dismissal and/or replacement
dan/atau penggantian serta, apabila diperlukan, profil and, if necessary, the profile of the proposed
calon pengganti untuk penilaian kemampuan dan replacement candidate for a fit and proper test.
kepatutan.
Apabila Otoritas Jasa Keuangan menilai rencana If Financial Services Authority deems the plan
tersebut tidak layak, Bank dilarang memuat agenda inappropriate, the Bank is not allowed to include
pemberhentian dan/atau penggantian dalam RUPS. dismissal and/or replacement agenda in the GMS.
Otoritas Jasa Keuangan berwenang melakukan The Financial Services Authority has the authority to
evaluasi dan tindakan korektif atas pengangkatan, evaluate and make corrective action on the appointment,
pemberhentian, dan/atau penggantian anggota Dewan dismissal, and/or replacement of members of
Komisaris melalui perintah tertulis sesuai ketentuan the Board of Commissioners through written instruction
yang berlaku. in accordance with the applicable regulations.
Pengunduran Diri Resignation
Anggota Dewan Komisaris dapat mengundurkan diri Members of the Board of Commissioners may resign
sebelum berakhirnya masa jabatan melalui pemberitahuan prior to end of their term by submitting a written notice
tertulis kepada Bank. Dalam hal pengunduran diri to the Bank. If the resignation reduces the number of
mengakibatkan jumlah anggota Dewan Komisaris Board of Commissioners members to be less than 3,
menjadi kurang dari 3 orang, pengunduran diri dinyatakan the resignation is deemed valid only after it is approved
sah setelah ditetapkan oleh RUPS dan diangkatnya by the GMS and the new member of the Board of
anggota Dewan Komisaris yang baru. Commissioners is appointed.
Otoritas Jasa Keuangan berwenang melakukan evaluasi The Financial Services Authority has the authority to
untuk menilai pengunduran diri dilakukan secara evaluate whether the resignation was voluntary, under
sukarela, terdapat unsur paksaan, atau kondisi lain, serta coercion, or under any other conditions, and may
dapat melakukan tindakan korektif atas pengangkatan, take corrective actions regarding the appointment,
pemberhentian, penggantian, dan/atau pengunduran dismissal, replacement, and/or resignation of member of
diri anggota Dewan Komisaris melalui perintah tertulis the Board of Commissioners through written instruction
sesuai ketentuan peraturan perundang-undangan yang in accordance with the applicable laws and regulations.
berlaku.
Penilaian Kemampuan dan Kepatutan Fit and Proper Test
Dalam rangka memastikan penerapan GCG, Bank As an effort to ensure the implementation of GCG,
Capital menjalankan proses seleksi dan penilaian Bank Capital conducts the selection and assessment
anggota Dewan Komisaris sesuai ketentuan regulator. process for members of the Board of Commissioners
Berdasarkan Peraturan Otoritas Jasa Keuangan in accordance with the regulatory requirements.
Nomor 27/POJK.03/2016 tentang Penilaian Kemampuan Based on Financial Services Authority Regulation
dan Kepatutan bagi Pihak Utama Lembaga Jasa Number 27/POJK.03/2016 concerning the Fit and
Keuangan, setiap calon diwajibkan mengikuti fit and Proper Test for Primary Parties in Financial
proper test sebagai syarat utama sebelum menjalankan Services Institutions, each prospective member
tugasnya. Sepanjang tahun 2025, seluruh anggota is required to undergo a fit and proper test as
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Dewan Komisaris Bank Capital telah dinyatakan lulus uji a primary requirement before being able to
kelayakan tersebut dan memperoleh persetujuan resmi perform their duties. In 2025, all members of
dari Otoritas Jasa Keuangan maupun Bank Indonesia, the Board of Commissioners of Bank Capital have
sebagaimana tercantum dalam Profil Dewan Komisaris. passed the test and obtained official approval from
the Financial Services Authority and Bank Indonesia, as
detailed in the Board of Commissioners’ Profile.
Sertifikasi Manajemen Risiko Risk Management Certification
Bank Capital menempatkan pengembangan kompetensi Bank Capital prioritizes management competency
manajemen sebagai prioritas dalam mendukung development to support the implementation of
penerapan GCG. Selaras dengan ketentuan Peraturan GCG. Following the Financial Services Authority
Otoritas Jasa Keuangan Nomor 24 Tahun 2022 tentang Regulation Number 24 of 2022 regarding the Quality
Pengembangan Kualitas Sumber Daya Manusia Bank Development of Human Resource in Commercial
Umum serta Surat Edaran Otoritas Jasa Keuangan Banks and Financial Services Authority Circular Letter
Nomor 28/SEOJK.03/2022 tentang Sertifikasi Manajemen Number 28/SEOJK.03/2022 on Risk Management
Risiko, Bank memastikan seluruh unsur manajemen Certification, the Bank ensures that all management
memiliki kemampuan yang memadai dalam pengelolaan element possess adequate capabilities in risk
risiko. Sebagai wujud kepatuhan terhadap regulasi management. As a form of regulatory compliance, all
tersebut, seluruh anggota Dewan Komisaris telah members of the Board of Commissioners have completed
menyelesaikan sertifikasi manajemen risiko sesuai risk management certification in accordance with the
standar yang berlaku. Rincian kualifikasi masing-masing applicable standards. The detailed qualifications of every
anggota Dewan Komisaris disajikan pada bagian Profil member of the Board of Commissioners are presented in
Dewan Komisaris. the Board of Commissioners’ Profile section.
Komposisi Composition
Bank wajib memiliki Dewan Komisaris dengan jumlah The Bank is required to have Board of Commissioners
anggota sekurang-kurangnya 3 orang dan tidak consisting of at least 3 people and not exceeding
melebihi jumlah anggota Direksi. Dari susunan tersebut, the number of members of the Board of Directors.
sedikitnya 1 anggota harus berdomisili di Indonesia, From the composition, at least 1 member must be
dengan salah satu ditetapkan sebagai Komisaris Utama domiciled in Indonesia, with one is appointed as
dan, jika diperlukan, didampingi oleh Wakil Komisaris the President Commissioner and, if necessary, assisted
Utama. Komposisi Dewan Komisaris terdiri atas by a Vice President Commissioner. The composition of
Komisaris Independen dan Non-Independen, di mana the Board of Commissioners consists of Independent
porsi Komisaris Independen paling sedikit 50% dari total and Non-Independent Commissioners, with Independent
anggota. Komposisi Dewan Komisaris Bank pada tahun Commissioners portion is at least 50% of the total
2025 sebagai berikut: members. The composition of the Bank’s Board of
Commissioners in 2025 is as follows:
Nama Jabatan Dasar Hukum Pengangkatan dan Periode Jabatan
Name Position Legal Basis of Appointment and Term of Office
Komisaris Utama Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Danny Nugroho
President Commissioner Deed Number 07 dated 6 October 2023 (2023-2027).
Komisaris Independen Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Peter Kurniawan
Independent Commissioner Deed Number 07 dated 6 October 2023 (2023-2027).
Komisaris Independen Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Andrey Jayanto
Independent Commissioner Deed Number 07 dated 6 October 2023 (2023-2027).
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Tata Kelola Perusahaan
Corporate Governance
Tugas, Tanggung Jawab, dan Wewenang Duties, Responsibilities, and Authority
Berdasarkan Pedoman dan Tata Tertib Kerja Dewan Based on the Work Guidelines and Rules of
Komisaris, Direksi, dan Komite PT Bank Capital the Board of Commissioners, the Board of Directors,
Indonesia Tbk, tugas dan tanggung jawab serta and Committees of PT Bank Capital Indonesia Tbk,
wewenang Dewan Komisaris sebagai berikut: the duties, responsibilities, and authorities of the Board
of Commissioners are as follows:
1. Melakukan pengawasan untuk kepentingan Bank 1. Conducting oversight, for the Bank’s interests,
atas kebijakan dan jalannya pengurusan oleh on Board of Directors’ policies and management,
Direksi, memberikan nasihat kepada Direksi, dan to provide counsel to Board of Directors, and to
bertanggung jawab atas pengawasan tersebut, be responsible for the oversight, in accordance
sesuai dengan maksud dan tujuan Bank yang with the Bank’s scope and objectives as stated in
ditetapkan dalam ketentuan peraturan perundang- the provisions of laws and regulations, the Articles of
undangan, Anggaran Dasar, dan keputusan RUPS; Association, and the GMS resolutions;
2. Melaksanakan tugas, wewenang, dan tanggung 2. Carrying out the duties, authorities, and
jawab dengan iktikad baik dan dengan prinsip responsibilities in good faith and with prudent
kehati-hatian; principle;
3. Mengarahkan, memantau, dan mengevaluasi 3. Directing, monitoring, and evaluating
pelaksanaan tata kelola, manajemen risiko, dan the implementation of governance, risk management,
kepatuhan secara terintegrasi serta kebijakan and compliance in an integrated manner alongside
strategis Bank, sesuai dengan ketentuan peraturan the Bank’s strategic policies, in accordance with
perundang-undangan, Anggaran Dasar, dan/atau the provisions of laws and regulations, the Articles of
keputusan RUPS; Association, and/or the GMS resolutions;
4. Membentuk Komite Audit dan dapat membentuk 4. Establishing the Audit Committee and other
komite lainnya serta mengevaluasi kinerja komite committees, as well as evaluating the performance
yang membantu pelaksanaan tugas dan tanggung of the committees assisting the Board of
jawabnya setiap akhir tahun buku; Commissioners in carrying out its duties and
responsibilities at the end of every financial year;
5. Menerima dan melaksanakan kewenangan yang 5. Receiving and exercising the authorities delegated
diserahkan dan/atau diberikan kepada Dewan and/or granted to the Board of Commissioners
Komisaris sesuai dengan ketentuan peraturan in accordance with the provisions of laws and
perundang-undangan, Anggaran Dasar, dan/atau regulations, the Articles of Association, and/or
keputusan RUPS; the GMS resolutions;
6. Melaksanakan tugas dan kewenangan pengawasan 6. Carrying out other supervisory duties and authorities,
lain sepanjang tidak bertentangan dengan ketentuan as long as they do not conflict with the provisions
peraturan perundang-undangan, Anggaran Dasar, of laws and regulations, the Articles of Association,
dan/atau keputusan RUPS; and/or the GMS resolutions;
7. Dalam melaksanakan pengawasan, Dewan Komisaris 7. In conducting the oversight, the Board of
dilarang ikut serta dalam pengambilan keputusan Commissioners is prohibited taking part in any
kegiatan operasional Bank (kegiatan penyediaan decision-making related to the Bank’s operational
dana, tresuri, penghimpunan dana, dan kegiatan activities (activities, such as provision of funds,
operasional lainnya), kecuali: treasury, fund collection, and other operational
activities), except for:
a. Penyediaan dana kepada pihak terkait sesuai a. Provision of funds to related parties in
dengan Peraturan Otoritas Jasa Keuangan accordance with Financial Services Authority
mengenai BMPK dan penyediaan dana besar Regulation concerning the LLL and provision of
bagi bank umum dan Peraturan Otoritas Jasa large exposures for commercial banks; and
Keuangan mengenai batas maksimum penyaluran
dana; dan
b. Hal lain yang ditetapkan dalam Anggaran Dasar b. Other matters as stipulated in the Bank’s Articles
Bank atau ketentuan peraturan perundang- of Association or the provisions of laws and
undangan. regulations.
8. Melakukan pengawasan terhadap tindak lanjut 8. Overseeing follow-up actions of Board of
Direksi atas temuan audit atau pemeriksaan dan Directors on audit or examination findings and
rekomendasi dari SKAI Bank, auditor eksternal, hasil recommendations from Bank’s SKAI, external auditor,
2025 Annual Report | PT Bank Capital Indonesia Tbk 175
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pengawasan Otoritas Jasa Keuangan, dan/atau hasil results of supervision of Financial Services Authority,
pengawasan otoritas dan lembaga lain. Otoritas and/or result of supervision of other authority
dan lembaga lain, termasuk otoritas pengawasan and institutions. Other authority and institution,
sistem pembayaran, otoritas penjamin simpanan dan including payment system supervisory authority,
resolusi, otoritas pengawasan terhadap parent Bank, deposit insurance and resolution authorities,
serta otoritas dan lembaga lain yang berwenang supervisory authorities on Bank’s parent entity, and
melakukan audit terhadap Bank; other authorities and institutions authorized to audit
the Bank;
9. Melaporkan kepada Otoritas Jasa Keuangan paling 9. Reporting to Financial Services Authority no later
lama 5 hari kerja sejak ditemukan: than 5 working days from the date of discovery of:
a. Pelanggaran ketentuan peraturan perundang- a. Violation of provisions of the laws and regulations
undangan di bidang keuangan, perbankan, dan in financial and banking sectors and those related
yang terkait dengan kegiatan usaha Bank; dan to the Bank’s business activities; and
b. Keadaan atau perkiraan keadaan yang dapat b. Conditions or estimated conditions that may
membahayakan kelangsungan usaha Bank. endanger the Bank’s business continuity.
Penyampaian pelaporan kepada Otoritas Jasa The report to the Financial Services Authority
Keuangan disampaikan oleh Dewan Komisaris must be submitted by Board of Commissioners to
kepada satuan kerja pengawasan Bank yang the Bank’s relevant supervisory work unit.
bersangkutan.
10. Memiliki pedoman dan tata tertib kerja yang bersifat 10. Having work guidelines and procedures that
mengikat bagi setiap anggota Dewan Komisaris; are binding on every member of the Board of
Commissioners;
11. Menyediakan waktu untuk melaksanakan tugas 11. Allocating sufficient time to carry out the duties
dan tanggung jawab secara optimal sesuai dengan and responsibilities optimally in accordance with
pedoman dan tata tertib kerja; the work guidelines and rules;
12. Menjaga segala data dan informasi terkait Bank 12. Safeguarding all Bank-related data and information
yang disampaikan oleh Direksi, dan sesuai dengan submitted by Board of Directors, and in accordance
ketentuan peraturan perundang-undangan, kewajiban with provisions of laws and regulations, this obligation
ini dimaksudkan untuk menjaga kerahasiaan informasi is aimed to maintain confidentiality of information
dan menghindari potensi insider information; and to avoid potential insider information;
13. Memiliki tanggung jawab secara tanggung renteng 13. Jointly responsible for Bank losses occurred due to
atas kerugian Bank yang disebabkan oleh kesalahan any error or negligence of members of the Board of
atau kelalaian anggota Dewan Komisaris dalam Commissioners in carrying out their duties;
menjalankan tugasnya;
14. Memberhentikan sementara anggota Direksi dengan 14. Temporarily dismiss members of the Board of
menyebutkan alasannya; Directors by stating the reason;
15. Melakukan tindakan pengurusan Bank dalam 15. Carrying out management actions of the Bank in
keadaan tertentu (dalam hal seluruh anggota Direksi certain circumstances (in the event that all members
mempunyai benturan kepentingan dengan Bank, of the Board of Directors have conflicts of interest
atau dalam hal seluruh anggota Direksi berhalangan with the Bank, or in the event that all members of
atau diberhentikan sementara) untuk jangka waktu the Board of Directors are incapacitated or
tertentu. Wewenang sebagaimana dimaksud temporarily dismissed) for a certain time. Such
ditetapkan berdasarkan Anggaran Dasar atau authority shall be stipulated based on the Articles of
keputusan RUPS; Association or the GMS resolutions;
16. Dilarang memanfaatkan Bank untuk kepentingan 16. Prohibited from exploiting the Bank for the interests
pribadi, keluarga, dan/atau pihak lain yang dapat of personal, family, and/or any other party that may
merugikan atau mengurangi keuntungan Bank; harm or reduce the Bank’s profits;
17. Dilarang mengambil dan/atau menerima keuntungan 17. Prohibited from taking and/or receiving personal
pribadi dari Bank selain remunerasi dan fasilitas lain benefits from the Bank, other than remuneration and
yang ditetapkan RUPS; other facilities set out by the GMS;
18. Dilarang melakukan tindakan yang dapat 18. Prohibited from taking action that may cause
mengakibatkan laporan atau informasi keuangan the Bank’s financial reports or information not
Bank tidak mencerminkan kondisi sebenarnya, reflecting the actual condition, to be manipulated,
dimanipulasi, tidak sesuai standar akuntansi, atau not in accordance with the accounting standards,
176 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
bertentangan dengan ketentuan Otoritas Jasa or contradicting with the provisions of Financial
Keuangan maupun peraturan perundang-undangan Services Authority or applicable laws and regulations;
yang berlaku;
19. Melakukan pengawasan atas penerapan kebijakan 19. Supervising the implementation of internal control
dan prosedur pengendalian internal dalam proses policies and procedures in the Bank’s financial
pelaporan keuangan Bank; dan reporting process; and
20. Menuangkan hasil pengawasan Dewan Komisaris 20. Stating the results of Board of Commissioners’
dalam Laporan Pengawasan Rencana Bisnis sesuai supervision in the Business Plan Supervision Report
dengan Peraturan Otoritas Jasa Keuangan mengenai following Financial Services Authority Regulation on
Rencana Bisnis Bank (RBB). Bank Business Plan (RBB).
Sementara itu, Komisaris Utama memiliki tugas khusus, Meanwhile, the President Commissioner has special
meliputi: duties, including:
1. Memastikan terselenggaranya penerapan prinsip 1. Ensuring the implementation of GCG principles in
GCG dalam setiap kegiatan usaha Bank pada seluruh every business activity of the Bank at all levels of
tingkatan atau jenjang organisasi; the organization;
2. Melaksanakan pengawasan terhadap pelaksanaan 2. Overseeing the execution of the duties and
tugas dan tanggung jawab Direksi secara berkala responsibilities of the Board of Directors regularly
maupun sewaktu-waktu, serta memberikan nasihat and from time to time, as well as providing advice to
kepada Direksi; dan the Board of Directors; and
3. Melakukan tugas pengawasan, mengarahkan, 3. Performing supervisory duties, directing, monitoring,
memantau, dan mengevaluasi pelaksanaan kebijakan and evaluating the implementation of the Bank’s
strategis Bank. strategic policies.
Komisaris Independen Independent Commissioner
Dalam rangka penerapan GCG, Bank Capital menetapkan In the implementation of GCG, Bank Capital has
komposisi Dewan Komisaris yang didominasi established the composition of the Board of
oleh Komisaris Independen. Dari total 3 anggota, Commissioners that is dominated by Independent
2 di antaranya merupakan Komisaris Independen atau Commissioners. Out of a total of 3 members, 2 members
setara dengan 66,67%. Proporsi tersebut menunjukkan serve as Independent Commissioners or equal to
bahwa Bank Capital tidak hanya memenuhi, tetapi juga 66.67%. This proportion shows Bank Capital not only
melampaui ketentuan minimum 50% sebagaimana complies but exceeds, the 50% minimum requirement as
diatur dalam Peraturan Otoritas Jasa Keuangan stipulated in the Financial Services Authority Regulation
Nomor 17 Tahun 2023 tentang Penerapan Tata Kelola Number 17 of 2023 regarding Corporate Governance
bagi Bank Umum. Implementation for Commercial Banks.
Kriteria [G-06] Criteria [G-06]
Bank Capital menetapkan bahwa Komisaris Independen Bank Capital established that the Independent
harus memiliki kompetensi serta pengalaman yang Commissioners are required to have adequate
memadai di bidang perbankan atau keuangan. Untuk competencies and experiences in banking or financial
menjaga independensi, mantan Direksi atau pihak yang sector. To maintain independence, ex-Board of
memiliki keterkaitan dengan Bank diwajibkan menjalani Director or Bank’s related party are required to undergo
masa tunggu tertentu sebelum dapat menduduki a cooling-off period before assuming the position, of
jabatan, yakni sekurang-kurangnya 1 tahun, atau at least 1 year or 6 months specifically for ex-President
6 bulan khusus bagi mantan Direktur Utama maupun Director or officials of supervisory function. In addition,
pejabat yang membawahi fungsi pengawasan. Selain Non-Independent Commissioner may be appointed
itu, Komisaris Non-Independen dapat diangkat sebagai as Independent Commissioner upon Financial
Komisaris Independen dengan persetujuan Otoritas Services Authority approval. As a publicly listed entity,
Jasa Keuangan. Sebagai entitas terbuka, Komisaris the Independent Commissioner of Bank Capital also
Independen Bank Capital juga wajib memenuhi required to meet the following additional provisions:
ketentuan tambahan berikut:
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Komisaris Independen
Kriteria Independent Commissioner
Criteria
Peter Kurniawan Andrey Jayanto
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab
untuk merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan Emiten atau
Perusahaan Publik tersebut dalam waktu 6 bulan terakhir, kecuali untuk pengangkatan
kembali sebagai Komisaris Independen Bank pada periode berikutnya.
The individual is not someone who has been employed or held the authority and
responsibility to plan, lead, control, or oversee the activities of the Issuer or Public
Company within the last 6 months, except for reappointment as an Independent
Commissioner of the Bank in the subsequent period.
Tidak mempunyai saham, baik langsung maupun tidak langsung pada Bank tersebut.
The individual has no direct or indirect share ownership in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota
Direksi, atau Pemegang Saham Utama Bank.
The individual has no affiliation with the Bank, members of the Board of Commissioners,
members of the Board of Directors, or Main Shareholders of the Bank.
Tidak mempunyai hubungan usaha, baik langsung maupun tidak langsung, yang
berkaitan dengan kegiatan usaha Bank.
The individual does not have a business relationship, directly or indirectly, related to
the Bank’s business activities.
Pernyataan Independensi Statement of Independence
Komisaris Independen Bank Capital menegaskan The Independent Commissioners of Bank Capital
komitmen terhadap prinsip independensi melalui Surat affirm their commitment to independence principle
Pernyataan Independensi yang memastikan tidak through Statement of Independence, which ensuring
adanya keterkaitan finansial, manajerial, kepemilikan, the absence of any financial, managerial, ownership,
maupun hubungan lain yang berpotensi memengaruhi or any other relationships that may potentially impact
objektivitas dalam menjalankan fungsi pengawasan. their objectivity in carrying out supervisory function.
Seluruh Komisaris Independen juga telah memenuhi All Independent Commissioners have also fulfilled
kriteria regulasi serta lulus uji kemampuan dan the regulatory criteria and passed the fit and proper
kepatutan (fit and proper test) yang diselenggarakan test conducted by the Financial Services Authority.
oleh Otoritas Jasa Keuangan. Dengan demikian, Bank Accordingly, Bank Capital ensures the independence
Capital menjamin terpeliharanya independensi Dewan of the Board of Commissioners is maintained as
Komisaris sebagai landasan penting penerapan GCG. an important basis in the implementation of GCG.
Rapat Meetings
Kebijakan dan Pelaksanaan Rapat Meeting Policy and Implementation
Dewan Komisaris menyelenggarakan rapat secara berkala The Board of Commissioners held regular meetings at
paling sedikit sekali dalam 2 bulan, dengan kehadiran least once every 2 months, with physical attendance
fisik seluruh anggota Dewan Komisaris paling sedikit of all members of the Board of Commissioners at
2 kali dalam setahun, yang diprioritaskan untuk evaluasi least twice a year, prioritized for the evaluation and
dan penetapan kebijakan strategis serta evaluasi determination of strategic policies as well as evaluation
realisasi RBB, serta menyelenggarakan rapat bersama of RBB realization, and held joint meetings with
Direksi paling sedikit sekali dalam 4 bulan. the Board of Directors at least once every 4 months.
Rapat dapat dilaksanakan secara fisik maupun melalui Meetings can be physically or using teleconference
sarana teknologi telekonferensi sesuai ketentuan technology facilities following the Bank’s internal
internal Bank dan dinyatakan sah apabila dihadiri oleh provisions and deemed valid if attended by more
lebih dari setengah jumlah anggota, baik secara langsung than half of the total number of members, either in
maupun melalui sarana teknologi informasi. Keputusan person or via information technology means. Meeting
rapat diambil berdasarkan musyawarah mufakat atau resolutions are taken based on consensus or majority
178 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
suara terbanyak apabila tidak tercapai mufakat, dan vote if consensus cannot be reached, and all meeting
seluruh hasil rapat dituangkan dalam risalah rapat yang results are documented in meeting minutes signed by
ditandatangani oleh pimpinan rapat serta didistribusikan the chairperson of the meeting and distributed to all
kepada seluruh anggota Dewan Komisaris, termasuk Board of Commissioners members, including record of
pencatatan perbedaan pendapat apabila ada. disagreement, if any.
Dalam hal rapat diselenggarakan melalui sarana teknologi If meetings are held using teleconference technology
telekonferensi, pelaksanaan rapat dilengkapi dengan means, the meeting implementation should be
dasar keputusan penyelenggaraan, bukti rekaman yang supplemented with the basis for decision to convene it,
ditatausahakan sesuai ketentuan, serta risalah rapat properly administered recording evidence in accordance
yang ditandatangani oleh seluruh peserta rapat dan with applicable provisions, and meeting minutes signed
didistribusikan secara langsung atau elektronik. by all meeting participants and distributed either directly
or electronically.
Frekuensi dan Kehadiran Rapat [G-02] Meeting Frequency and Attendance [G-02]
Sepanjang tahun 2025, Dewan Komisaris menunjukkan Throughout 2025, the Board of Commissioners
komitmen terhadap pelaksanaan tugas pengawasannya showed its commitment in carrying out its supervisory
melalui partisipasi aktif dalam rapat, dengan tingkat duty through active participation in meetings, with
kehadiran yang tercatat sebagai berikut: the following attendance levels as recorded below:
Rapat Internal Dewan Komisaris Rapat Gabungan dengan Direksi
RUPS
Board of Commissioners Internal Joint Meeting with the Board of
GMS
Meeting Directors
Nama Jabatan
Name Position Tingkat Tingkat Tingkat
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
Attendance Attendance Attendance
Total Total Total Total Total Total
Rate Rate Rate
Meetings Attendance Meetings Attendance Meetings Attendance
(%) (%) (%)
Komisaris Utama
Danny
President 6 6 100,00 12 12 100,00 2 2 100,00
Nugroho
Commissioner
Komisaris
Peter Independen
6 6 100,00 12 12 100,00 2 2 100,00
Kurniawan Independent
Commissioner
Komisaris
Andrey Independen
6 6 100,00 12 12 100,00 2 2 100,00
Jayanto Independent
Commissioner
Rata-Rata Tingkat Kehadiran (%)
100,00 100,00 66,67
Average Attendance Rate (%)
Persetujuan dan Rekomendasi Approvals and Recommendations
Mengacu pada Peraturan Otoritas Jasa Keuangan Referring to Financial Services Authority Regulation
Nomor 17 Tahun 2023, keputusan-keputusan yang Number 17 of 2023, decisions requiring the approval of
memerlukan persetujuan Dewan Komisaris ditetapkan the Board of Commissioners are established as follows:
sebagai berikut:
1. Dewan Komisaris menerima dan melaksanakan 1. The Board of Commissioners receive and exercise
kewenangan yang diserahkan dan/atau diberikan the authorities delegated and/or granted to
kepada Dewan Komisaris sesuai dengan ketentuan the Board of Commissioners in accordance with
peraturan perundang-undangan, Anggaran Dasar, the provisions of laws and regulations, the Articles of
dan/atau keputusan RUPS. Association, and/or the GMS resolutions.
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2. Dewan Komisaris dilarang untuk ikut serta dalam 2. The Board of Commissioners is prohibited from
pengambilan keputusan untuk kegiatan operasional participating any in decision-making related to
Bank, kecuali: the Bank’s operational activities, except for:
a. Penyediaan dana kepada pihak terkait sebagaimana a. Provision of funds to related parties as stipulated
diatur dalam ketentuan mengenai BMPK bank in provisions concerning the LLL for commercial
umum; dan banks; and
b. Hal-hal lain yang ditetapkan dalam Anggaran b. Other matters as stipulated in the Bank’s Articles
Dasar Bank atau peraturan perundang-undangan of Association or applicable laws and regulations.
yang berlaku.
3. Pengambilan keputusan kegiatan operasional Bank 3. The Decision-making on the Bank’s operational
oleh Dewan Komisaris sebagaimana dimaksud di activities by the Board of Commissioners as referred
atas merupakan bagian dari tugas pengawasan to above is a part of the Board of Commissioners’
oleh Dewan Komisaris sehingga tidak meniadakan supervisory duties and therefore does not eliminate
tanggung jawab Direksi atas pelaksanaan the responsibility of Board of Directors for
kepengurusan Bank. the implementation of Bank management.
Sepanjang tahun 2025, Dewan Komisaris memberikan Throughout 2025, the Board of Commissioners provided
persetujuan dan rekomendasi dalam rangka melakukan approvals and recommendations while performing
tugas pengawasan. Dewan Komisaris telah melakukan its supervisory duties. The Board of Commissioners
pemantauan dan evaluasi terhadap pelaksanaan has monitored and evaluated the implementation
kebijakan strategis Bank, antara lain melalui persetujuan of the Bank’s strategic policies, including through
rencana Bisnis, persetujuan realisasi rencana bisnis, approval of Business Plan, approval of the realization
persetujuan kebijakan perkreditan Bank, serta of Business Plan, approval of the Bank’s credit
persetujuan Laporan Tahunan Bank. Selain itu, policy, and approval of the Bank’s Annual Report. In
Dewan Komisaris melakukan pengawasan dan evaluasi addition, the Board of Commissioners has performed
kinerja Direksi melalui pembahasan dalam rapat monitoring and evaluation of the performance of
Komite Audit, Komite Pemantau Risiko, dan Komite the Board of Directors through discussions in meetings of
Remunerasi serta Nominasi. Berdasarkan pembahasan the Audit Committee, Risk Monitoring Committee, and
dalam rapat komite-komite sebagaimana dimaksud, Remuneration and Nomination Committee. Based on
Dewan Komisaris kemudian melakukan komunikasi the discussions in such committee meetings, the Board
dengan Direksi guna memberikan saran dan masukan of Commissioners subsequently communicated with
perbaikan sebagai suatu perwujudan langkah the Board of Directors to provide recommendations
penyempurnaan terhadap kebijakan-kebijakan yang ada, and improvement inputs as a realization of refinement
khususnya kebijakan-kebijakan yang bersifat strategis. measures on existing policies, particularly those of
a strategic nature.
Dalam bidang tata kelola, Dewan Komisaris memberikan In terms or governance, the Board of Commissioners
rekomendasi terkait kebijakan kompensasi, menyetujui provided recommendations on compensation policies,
penunjukan kantor akuntan publik, serta menelaah hasil approved the appointment of public accounting firm,
pemeriksaan Otoritas Jasa Keuangan tahun 2025 dan and reviewed the 2025 Financial Services Authority
menyampaikan arahan perbaikan. Sebagai persiapan examination results and provided improvement
tahun berikutnya, Dewan Komisaris akan mengarahkan, directives. To prepare for subsequent year, the Board
memantau, dan mengevaluasi pelaksanaan tata kelola, of Commissioners will direct, monitor, and evaluate
manajemen risiko, dan kepatuhan secara terintegrasi, the implementation of governance, risk management,
melalui mekanisme pembahasan dalam rapat-rapat and compliance in an integrated manner, through
komite, seperti Komite Audit dan/atau Komite Pemantau discussion mechanism in committee meetings, such
Risiko, hasil pembahasan dalam rapat komite tersebut as the Audit Committee and/or Risk Monitoring
akan dibahas lebih lanjut dalam rapat Dewan Komisaris Committee, of which the discussion results in
bersama Direksi, guna mendukung efektivitas koordinasi the committee meetings will be discussed further in
dan pengawasan kebijakan strategis Bank. joint meetings of the Board of Commissioners and
Board of Commissioners, to support the effectiveness
of coordination and supervision of the Bank’s strategic
policies.
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Tata Kelola Perusahaan
Corporate Governance
Sepanjang tahun buku 2025, Dewan Komisaris tidak Throughout the 2025 financial year, the Board of
hanya merekomendasikan penunjukan akuntan publik Commissioners not only recommended the appointment
untuk mengaudit Laporan Keuangan tahunan Bank, of a public accountant to audit the Bank’s annual Financial
tetapi juga memberikan panduan strategis kepada Statements, but also provided strategic guidelines
Direksi melalui mekanisme pembahasan dalam to Board of Directors through discussions during
rapat-rapat bersama Direksi, maupun dalam the joint meetings with Board of Directors or in committee
rapat-rapat komite. Hasil rapat Dewan Komisaris telah meetings. The results of the Board of Commissioners’
dituangkan dalam risalah rapat dan didokumentasikan meetings have been stated in meeting minutes and
dengan baik, termasuk perbedaan pendapat (dissenting properly documented, including any dissenting opinions
opinions) yang terjadi secara jelas. Hasil rapat that occurred, which have been clearly recorded.
Dewan Komisaris telah didistribusikan kepada seluruh Results of the Board of Commissioners’ meetings
anggota Dewan Komisaris dan pihak yang terkait, have been distributed to all members of the Board of
khususnya kepada Direksi. Hasil rapat Dewan Komisaris Commissioners and related parties, particularly to Board
merupakan rekomendasi dan/atau arahan yang dapat of Directors. The results of the Board of Commissioners
diimplementasikan oleh Direksi. meetings are recommendations and/or directives that
can be implemented by the Board of Directors.
Pelaksanaan Tugas, Tanggung Jawab, Implementation of Duties, Responsibilities,
dan Wewenang and Authority
Sepanjang tahun 2025, Dewan Komisaris telah Throughout 2025, the Board of Commissioners has
menjalankan fungsi pengawasan dan pemberian nasihat carried out its supervisory function and provision of
kepada Direksi sesuai kewenangan yang dimiliki. Rincian advices to the Board of Directors in accordance with its
pelaksanaan tugas dan tanggung jawab tersebut authorities. Details of the implementation of duties and
sebagai berikut: responsibilities are as follows:
1. Memastikan terselenggaranya pelaksanaan 1. Ensuring implementation of GCG principles in every
prinsip-prinsip GCG dalam setiap kegiatan usaha business activity of the Bank through the Board of
Bank melalui mekanisme rapat Dewan Komisaris dan Commissioners meetings and committee meetings
rapat komite; mechanism;
2. Melaksanakan pengawasan terhadap pelaksanaan 2. Overseeing the execution of the duties and
tugas dan tanggung jawab Direksi melalui persetujuan responsibilities of the Board of Directors through
RBB, evaluasi RBB dan yang bersifat sewaktu-waktu RBB approval, RBB evaluation and from time to
melalui rapat bulanan dan pembahasan dengan time through monthly meeting and discussion with
Direksi terkait, khususnya untuk permasalahan relevant Director, particularly for specific issue
yang spesifik dan/atau permasalahan lainnya yang and/or other issue of strategic manner and requiring
bersifat stratejik serta memerlukan persetujuan approval from the Board of Commissioners; and
Dewan Komisaris; dan
3. Memastikan bahwa Direksi telah menindaklanjuti 3. Ensuring the Board of Directors is following up
temuan audit dan rekomendasi dari SKAI Bank, the audit findings and recommendations from
auditor eksternal, hasil pengawasan Otoritas Jasa the Bank’s SKAI, external auditor, results of
Keuangan dan/atau hasil pengawasan otoritas supervision from the Financial Services Authority
lainnya. and/or other authorities.
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Direksi
Board of Directors
Direksi merupakan organ tata kelola Bank yang The Board of Directors is the Bank governance organ
bertanggung jawab secara kolegial atas pengelolaan dan that collectively responsible for management and
perwakilan Bank sesuai Anggaran Dasar. Setiap anggota representation of the Bank in line with Articles of
Direksi menjalankan tugas berdasarkan pembagian Association. Each Board of Directors member performs
wewenang dan tanggung jawab masing-masing, their duties based on respective division of authorities
dengan menjunjung profesionalisme, objektivitas, serta and responsibilities, by upholding professionalism,
orientasi strategis demi kepentingan Bank, peningkatan objectivity, and strategic orientation for the Bank’s
nilai pemangku kepentingan, dan keberlanjutan usaha. interests, enhancing stakeholder value, and business
sustainability.
Pedoman dan Tata Tertib Guidelines and Rules
Direksi melaksanakan tugas berdasarkan Pedoman The Board of Directors carries out its duties based
dan Tata Tertib Kerja Dewan Komisaris, Direksi, dan on the Work Guidelines and Rules of the Board of
Komite yang dievaluasi secara berkala sesuai ketentuan. Commissioners, Board of Directors, and Committees,
Pedoman ini memastikan tugas Direksi berjalan efisien, which are evaluated periodically in accordance
transparan, independen, dan akuntabel, dengan with the provisions. These Guidelines ensure
pembaruan terakhir melalui Surat Keputusan Direksi an efficient, transparent, independent, and accountable
Nomor SK/DIR/166/XII/2024 yang telah dipublikasikan performance of Board of Directors’ duties, with
di situs web Bank. the latest updates through the Board of Directors’
Decree Number SK/DIR/166/XII/2024 already published
on the Bank’s website.
Kriteria [G-06] Criteria [G-06]
Bank Capital memastikan bahwa setiap anggota Direksi Bank Capital ensures that every Board of Directors
dipilih melalui proses seleksi yang ketat dengan mengacu member is selected through a strict selection process
pada ketentuan Otoritas Jasa Keuangan. Persyaratan in accordance with the requirements set by Financial
utama mencakup integritas, kompetensi, dan rekam Services Authority. The main requirements include
jejak profesional, termasuk pengalaman memadai integrity, competency, and professional track record,
di sektor perbankan serta kepatuhan terhadap ketentuan including adequate experience in the banking sector
hukum. and compliance with the legal provisions.
Seluruh anggota Direksi wajib berdomisili di Indonesia, All Board of Directors members must be domiciled
bebas dari benturan kepentingan maupun hubungan in Indonesia, free of conflicts of interest or familial
keluarga dengan Direksi atau Komisaris lain, serta relationships with other members of the Board of
memenuhi ketentuan masa tunggu bagi calon yang Directors or Board of Commissioners, and meeting the
berasal dari lembaga pengawas. Sepanjang tahun 2025, cooling-off period requirement for candidates coming
seluruh anggota Direksi Bank Capital telah memenuhi from supervisory institutions. Throughout 2025, all
kualifikasi tersebut sesuai regulasi yang berlaku. members of Bank Capital’s Board of Directors have met
these qualifications in accordance with the applicable
regulations.
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Tata Kelola Perusahaan
Corporate Governance
Pengangkatan, Pemberhentian, Appointment, Dismissal, and Replacement
dan Penggantian
Pengangkatan dan pemberhentian anggota Direksi Appointment and dismissal of Board of Directors
dilakukan melalui RUPS dengan memperhatikan members are conducted through GMS by considering
rekomendasi Komite Remunerasi dan Nominasi. Bank the Remuneration and Nomination Committee
mengedepankan prinsip profesionalisme, independensi, recommendations. In composing the Board of Directors,
kesesuaian kompetensi, serta keberagaman yang relevan the Bank prioritizes the professionalism, independence
dalam penetapan komposisi Direksi. Sesuai Anggaran principles, proper competencies, and relevant diversity.
Dasar, masa jabatan anggota Direksi ditetapkan paling According to the Articles of Association, the maximum
lama 5 tahun untuk 1 periode sejak tanggal efektif term of Board of Directors members is 5 years for
pengangkatan oleh RUPS. Dalam hal pengganti belum 1 period, since the effective date of appointment by
ditetapkan, anggota Direksi yang masa jabatannya the GMS. If no replacement has not been established,
berakhir tetap menjalankan kewenangannya sampai Board of Directors member whose term has ended shall
dengan ditetapkannya pengganti oleh RUPS. continue holding the authority until a replacement is
appointed by the GMS.
Pengangkatan, Pemberhentian, Penggantian Appointment, Dismissal, and Replacement of
Direksi Sebelum Masa Jabatan Berakhir Board of Directors Prior to End of Term
Pemberhentian dan/atau penggantian anggota Direksi Dismissal and/or replacement of Board of Directors
sebelum berakhirnya masa jabatan dilakukan berdasarkan members prior to end of term is conducted based on an
penilaian yang objektif dan terukur atas kemampuan objective and measurable assessment of the Board of
Direksi dalam melaksanakan tugas, tanggung jawab, Directors’ ability to perform the duties, responsibilities,
serta pengelolaan strategi Bank yang sehat. Penilaian and sound management of the Bank’s strategic direction.
tersebut mencakup aspek kinerja, integritas, reputasi The assessment is based on the performance, integrity,
keuangan, dan kompetensi, serta tidak didasarkan pada financial reputation, and competence, instead of on
pertimbangan subjektif pemegang saham. subjective considerations of shareholders.
Proses pemberhentian dan/atau penggantian Direksi The dismissal and/or replacement process of Board of
dilaksanakan melalui perencanaan dan mekanisme Directors is done via applicable planning and mechanism
yang berlaku dengan memperhatikan rekomendasi by considering Remuneration and Nomination
Komite Remunerasi dan Nominasi dan diagendakan Committee recommendations and included in the GMS
dalam RUPS, tanpa menimbulkan gangguan terhadap agenda, while not disrupting the Bank’s organization or
pengorganisasian maupun kegiatan usaha Bank. business activities. In practice, effective communication
Pelaksanaannya mengedepankan komunikasi yang among relevant parties, GCG principles, and prudent
efektif antar pihak terkait, prinsip GCG, serta aspek aspects are prioritized.
kehati-hatian.
Otoritas Jasa Keuangan berwenang melakukan evaluasi The Financial Services Authority has the authority to
dan tindakan korektif atas keputusan pengangkatan, evaluate and take corrective action on the decisions
pemberhentian, dan/atau penggantian anggota Direksi, of appointment, dismissal, and/or replacement of
yang dapat disampaikan melalui perintah tertulis sesuai members of the Board of Directors, which can be
ketentuan peraturan perundang-undangan yang berlaku. submitted through written instruction in accordance
with the applicable laws and regulations.
Pengangkatan, Pemberhentian, Penggantian Appointment, Dismissal, Replacement of
Direktur Utama dan/atau Direktur Kepatuhan the President Director and/or Compliance
Sebelum Masa Jabatan Berakhir Director Prior to End of Term
Pemberhentian dan/atau penggantian Direktur Utama Dismissal and/or replacement of the President Director
dan/atau Direktur yang membawahkan fungsi kepatuhan and/or Director overseeing the compliance function
sebelum berakhirnya masa jabatan wajib memperoleh prior to end of term must obtain prior approval from
persetujuan terlebih dahulu dari Otoritas Jasa Keuangan the Financial Services Authority before being decided
sebelum diputuskan dalam RUPS. Dalam memberikan at the GMS. In granting the approval, Financial Services
persetujuan tersebut, Otoritas Jasa Keuangan melakukan Authority conducts an assessment of the feasibility of
penilaian atas kelayakan rencana pemberhentian the proposed plan for dismissal and/or replacement
dan/atau penggantian yang diajukan oleh Bank. submitted by the Bank.
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Sebagai bahan penilaian, Bank menyampaikan As assessment materials, the Bank submits
permohonan kepada Otoritas Jasa Keuangan paling an application to the Financial Services Authority no
lambat 1 bulan sebelum rencana pelaksanaan RUPS, later than 1 month prior to the GMS, stating reasons and
yang memuat alasan dan pertimbangan pemberhentian considerations for the dismissal and/or replacement
dan/atau penggantian serta, apabila diperlukan, profil and, if necessary, the profile of proposed replacement
calon pengganti untuk dilakukan penilaian kemampuan candidate for a fit and proper test. If Financial Services
dan kepatutan. Apabila Otoritas Jasa Keuangan Authority deems the plan inappropriate, the plan for
menilai rencana tersebut tidak layak, maka rencana dismissal and/or replacement is not approved and
pemberhentian dan/atau penggantian tidak disetujui the Bank is not allowed to include dismissal and/or
dan Bank dilarang memuat agenda dimaksud dalam replacement agenda in the GMS.
RUPS.
Otoritas Jasa Keuangan berwenang melakukan evaluasi The Financial Services Authority has the authority to
dan tindakan korektif atas pengangkatan, pemberhentian, evaluate and take corrective action on the appointment,
dan/atau penggantian Direktur Utama dan/atau Direktur dismissal, and/or replacement of the President Director
yang membawahkan fungsi kepatuhan, yang dapat and/or Director overseeing the compliance function,
disampaikan melalui perintah tertulis sesuai ketentuan which can be submitted through written instruction in
peraturan perundang-undangan yang berlaku. accordance with the applicable laws and regulations.
Pemberhentian Sementara Anggota Direksi Temporary Suspension of Board of Directors
oleh Dewan Komisaris Members by the Board of Commissioners
Dewan Komisaris berwenang memberhentikan The Board of Commissioners has the authority to
sementara anggota Direksi dengan alasan yang temporarily suspend Board of Directors members by
disampaikan secara tertulis. Atas keputusan tersebut, stating the reasons in writing. Accordingly, the Board of
Dewan Komisaris wajib menyelenggarakan RUPS paling Commissioners is required to held a GMS no later than
lambat 90 hari untuk menguatkan atau membatalkan 90 days to affirm or revoke the temporary suspension. If
pemberhentian sementara dimaksud. Apabila RUPS the GMS cannot be held or no decision is taken within
tidak terselenggara atau tidak dapat mengambil such period, the temporary suspension will become null
keputusan dalam jangka waktu tersebut, pemberhentian and void.
sementara menjadi batal.
Selama masa pemberhentian sementara, anggota During the temporary suspension, the related member
Direksi yang bersangkutan tidak berwenang menjalankan of Board of Directors is not authorized to perform
pengurusan maupun mewakili Bank dan diberikan management activities or represent the Bank and shall
kesempatan untuk membela diri dalam RUPS. Bank wajib be given the opportunity to defend her/himself at
melakukan keterbukaan informasi dan menyampaikan the GMS. The Bank is required to disclose information
laporan kepada Otoritas Jasa Keuangan atas keputusan and submit a report to Financial Services Authority
dan hasil RUPS dimaksud paling lambat 2 hari kerja sejak on the decision and the results of the related GMS
terjadinya peristiwa. no later than 2 working days from the occurrence of
the event.
Pengunduran Diri Resignation
Anggota Direksi dapat mengundurkan diri sebelum Board of Directors member may resign prior to
berakhirnya masa jabatan melalui pemberitahuan tertulis the end of term by submitting written notification to
kepada Bank. Bank wajib menyelenggarakan RUPS untuk the Bank. The Bank is required to convene a GMS to
memutuskan pengunduran diri tersebut paling lambat decide upon the resignation no later than 90 days
90 hari sejak permohonan diterima serta melakukan from the receipt of the request, and to disclose
keterbukaan informasi dan penyampaian laporan kepada information and submit a report to Financial
Otoritas Jasa Keuangan paling lambat 2 hari kerja sejak Services Authority no later than 2 working days from
diterimanya permohonan dan hasil RUPS. the receipt of the request and the results of the GMS.
Dalam hal pengunduran diri mengakibatkan jumlah If the resignation reduces the number of Board of
anggota Direksi kurang dari 3 orang, pengunduran Directors members to be less than 3, the resignation is
diri dinyatakan sah setelah ditetapkan oleh RUPS dan deemed valid only after it is approved by the GMS and
diangkatnya anggota Direksi yang baru. Otoritas Jasa the new member of the Board of Directors is appointed.
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Tata Kelola Perusahaan
Corporate Governance
Keuangan berwenang melakukan evaluasi dan tindakan The Financial Services Authority has the authority to
korektif atas pengunduran diri anggota Direksi sesuai evaluate and take corrective action on the resignation
ketentuan yang berlaku. of Board of Directors member in accordance with
the applicable provisions.
Mekanisme Direktur Pengganti Mechanism for Interim Director
Bank menetapkan mekanisme penunjukan Direktur The Bank has established a mechanism for Interim
Pengganti (pelaksana tugas/plt) untuk setiap Director for each area of responsibility of the Board
pembidangan Direksi guna menjamin kelangsungan of Directors to ensure the continuity of Bank’s
pengelolaan Bank sesuai dengan ketentuan peraturan management in accordance with the provisions
perundang-undangan. Direktur Pengganti ditetapkan of laws and regulations. The Interim Director is
dari pihak internal Bank dengan mempertimbangkan appointed from the Bank’s internal party by considering
fungsi, kepentingan, serta potensi benturan kepentingan the function, interests, and potential conflicts of interest in
dalam proses pengambilan keputusan, dan pelaksanaan the decision-making process, and the implementation
tugasnya dilakukan dalam kerangka sistem pengendalian of the duties is carried out within the internal control
internal yang mengacu pada prinsip three lines of framework based on the three lines of defense principle.
defense.
Dalam kondisi tertentu sesuai dengan ketentuan In specific condition in line with provisions of the laws
peraturan perundang-undangan, Direktur yang sedang and regulations, the director serving in the period
menjabat pada periode tersebut dapat menjalankan may assume the function of an Interim Director by
fungsi sebagai Direktur Pengganti dengan tetap referring to the implementation of GCG, including
berpedoman pada penerapan GCG, termasuk kewajiban the obligation to declare any conflicts of interest.
deklarasi benturan kepentingan. Penunjukan Direktur The appointed Interim Director cannot come from
Pengganti tidak dapat berasal dari pihak di luar Bank party external to the Bank or party with authority under
maupun dari pihak yang memiliki kewenangan di bawah the Board of Directors.
Direksi.
Masa penugasan Direktur Pengganti ditetapkan paling The maximum assignment term of an Interim Director is
lama 6 bulan dan dapat diperpanjang berdasarkan established for 6 months and may be extended based
kebutuhan Bank dengan persetujuan Otoritas Jasa on the Bank’s needs upon approval from Financial
Keuangan, melalui penyampaian permohonan yang Services Authority, by submitting a request citing
memuat alasan perpanjangan, rencana pemenuhan the reasons for the extension, the plan to fill a definitive
jabatan Direktur definitif, serta informasi calon Direktur Director position, and information on the candidate to
Pengganti apabila telah tersedia. replace the Interim Director, if available.
Penilaian Kemampuan dan Kepatutan Fit and Proper Test
Dalam rangka memastikan kepatuhan terhadap prinsip To ensure compliance with GCG principles, Bank Capital
GCG, Bank Capital melaksanakan proses seleksi conducts the Board of Directors selection process in
Direksi sesuai Peraturan Otoritas Jasa Keuangan accordance with Financial Services Authority Regulation
Nomor 27/POJK.03/2016 tentang Penilaian Kemampuan Number 27/POJK.03/2016 concerning the Fit and
dan Kepatutan bagi Pihak Utama Lembaga Jasa Proper Tests for Key Personnel of Financial Services
Keuangan. Setiap calon Direksi wajib mengikuti uji Institutions. Each candidate for the Board of Directors
kemampuan dan kepatutan (fit and proper test) sebagai is required to undergo a fit and proper test as a primary
syarat utama sebelum menjalankan tugasnya. Sepanjang requirement before assuming their duties. In 2025,
tahun 2025, seluruh anggota Direksi Bank Capital telah all members of the Board of Directors of Bank Capital
dinyatakan lulus penilaian tersebut, dengan persetujuan have passed the assessment, with official approval from
resmi dari Otoritas Jasa Keuangan dan Bank Indonesia, the Financial Services Authority and Bank Indonesia, as
sebagaimana tercantum pada bagian Profil Direksi. detailed in the Board of Directors’ Profile section.
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Sertifikasi Manajemen Risiko Risk Management Certification
Bank Capital menempatkan kompetensi Direksi Bank Capital sees the competencies of Board of Directors
sebagai salah satu prioritas utama dalam penerapan as one of the main priorities in corporate governance
tata kelola. Seluruh anggota Direksi wajib memenuhi implementation. All Board of Directors members are
ketentuan regulator, termasuk Peraturan Otoritas required to comply with regulatory provisions, including
Jasa Keuangan Nomor 24 Tahun 2022 tentang Financial Services Authority Regulation Number 24 of
Pengembangan Kualitas Sumber Daya Manusia Bank 2022 on the Quality Development of Human Resources
Umum dan Surat Edaran Otoritas Jasa Keuangan in Commercial Banks and Financial Services Authority
Nomor 28/SEOJK.03/2022 tentang Sertifikasi Circular Letter Number 28/SEOJK.03/2022 on Risk
Manajemen Risiko. Sejalan dengan regulasi tersebut, Management Certification. Accordingly, Bank Capital’s
Direksi Bank Capital telah menyelesaikan sertifikasi Board of Directors has completed risk management
manajemen risiko sesuai bidangnya masing-masing. certification in line with their areas of responsibility.
Rincian lebih lanjut mengenai kualifikasi dan sertifikasi More details on qualification and certification of each
setiap anggota Direksi dapat dilihat pada bagian Profil Board of Directors member is available in the Board of
Direksi. Directors’ Profile section.
Komposisi Composition
Sesuai dengan ketentuan yang berlaku, Bank diwajibkan In line with the prevailing regulations, the Bank is
memiliki sekurang-kurangnya 3 orang anggota Direksi. required to have at least 3 Board of Directors members.
Salah satu di antaranya ditetapkan sebagai Direktur 1 of those 3 is appointed as the President Director,
Utama, dan apabila diperlukan dapat didampingi oleh and if necessary, may be assisted by a Vice President
seorang Wakil Direktur Utama. Direktur Utama tersebut Director. The President Director must be independent
harus berasal dari pihak yang independen terhadap from Controlling Shareholders to ensure objectivity in
Pemegang Saham Pengendali guna memastikan the management of the Bank.
objektivitas dalam pengelolaan Bank.
Sepanjang tahun 2025, susunan Direksi Bank Capital Throughout 2025, Bank Capital has established
telah ditetapkan sesuai dengan ketentuan perundang- the composition of the Board of Directors in accordance
undangan yang berlaku. Adapun komposisi Direksi pada with the applicable laws and regulations. The composition
periode tersebut sebagai berikut: of Board of Directors for the said period is as follows:
Nama Jabatan Dasar Hukum Pengangkatan dan Periode Jabatan
Name Position Legal Basis of Appointment and Term of Office
Direktur Utama Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Kurniawan Halim
President Director Deed Number 07 dated 6 October 2023 (2023-2027).
Direktur Kredit Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Yenny Hoo
Credit Director Deed Number 07 dated 6 October 2023 (2023-2027).
Direktur Kepatuhan Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Harri Setia Budhi
Compliance Director Deed Number 07 dated 6 October 2023 (2023-2027).
Direktur Operasional Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Lim Migi Trisnadi Elias
Operations Director Deed Number 07 dated 6 October 2023 (2023-2027).
Direktur Digital &
Consumer Banking Akta Nomor 07 tanggal 6 Oktober 2023 (2023-2027).
Febriyanti Ika Sari
Digital & Consumer Banking Deed Number 07 dated 6 October 2023 (2023-2027).
Director
Independensi Independence
Independensi Direksi merupakan prinsip penting untuk The Board of Directors’ independence is an important
memastikan Direksi dapat bertindak objektif dan bebas principle to ensure that the Board of Directors is able to
dari benturan kepentingan maupun intervensi pihak act objectively and free of conflicts of interest or any
lain. Untuk itu, anggota Direksi dilarang melakukan intervention from other parties. Thus, Board of Directors
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Tata Kelola Perusahaan
Corporate Governance
atau menerima tindakan yang dapat mengganggu members are prohibited from engaging or receiving
kemandirian dalam pengelolaan Bank, termasuk action that may compromise their independence
menerima imbalan, fasilitas, maupun keuntungan pribadi in managing the Bank, including receiving benefits,
dari pihak berkepentingan. Direksi juga wajib menolak facilities, or personal gains from the related parties.
setiap perintah atau permintaan dari Pemegang Saham Board of Directors should also reject instruction or
atau pihak terafiliasi yang bertentangan dengan prinsip request from Shareholders or affiliated parties contrary
GCG, berpotensi merugikan, atau dapat mengurangi to principles of GCG, may potentially harming, or
keuntungan Bank. reducing the Bank’s profitability.
Sebagai bentuk kepatuhan, Bank juga telah As a form of compliance, the Bank has submitted
menyampaikan surat pernyataan independensi Direktur the Statement of Independency of the President
Utama sebagaimana dipersyaratkan dalam ketentuan Director as required in the Financial Services Authority
Otoritas Jasa Keuangan tentang Penerapan Tata Kelola regulation on the Implementation of Governance for
bagi Bank Umum. Commercial banks.
Tugas, Tanggung Jawab, dan Wewenang Duties, Responsibilities, and Authority
Berdasarkan Pedoman dan Tata Tertib Kerja Dewan Based on the Work Guidelines and Rules of
Komisaris, Direksi, dan Komite PT Bank Capital Indonesia the Board of Commissioners, the Board of Directors,
Tbk, tugas dan tanggung jawab serta wewenang Direksi and Committees of PT Bank Capital Indonesia Tbk,
sebagai berikut: the duties, responsibilities, and authorities of the Board
of Directors are as follows:
1. Menjalankan dan bertanggung jawab atas 1. Carrying out and responsible for the Bank
pengurusan Bank untuk kepentingan Bank sesuai management for the interests of the Bank in
dengan maksud dan tujuan Bank yang ditetapkan accordance with the scope and objectives of
dalam ketentuan peraturan perundang-undangan, the Bank as outlined in the laws and regulations,
Anggaran Dasar, dan keputusan RUPS; Articles of Association, and GMS resolutions;
2. Melaksanakan tugas, wewenang, dan tanggung jawab 2. Carrying outs its duties, authority, and responsibilities
dengan iktikad baik dan dengan prinsip kehati-hatian; in good faith and with prudential principle;
3. Dilarang memanfaatkan Bank untuk kepentingan 3. Prohibited from exploiting the Bank for the interest
pribadi, keluarga, dan/atau pihak lain yang dapat of personal, family, and/or any other party that may
merugikan atau mengurangi keuntungan Bank; harm or reduce the Bank’s profits;
4. Dilarang mengambil dan/atau menerima keuntungan 4. Prohibited from taking and/or receiving personal
pribadi dari Bank, selain remunerasi dan fasilitas lain benefits from the Bank, other than remuneration and
yang ditetapkan berdasarkan keputusan RUPS; other facilities set out under the GMS resolutions;
5. Memiliki pedoman dan tata tertib kerja yang bersifat 5. Having a binding work guidelines and rules for all
mengikat bagi setiap anggota Direksi; members of the Board of Directors;
6. Menerapkan GCG pada Bank, manajemen risiko, 6. Implementing GCG in the bank, integrated risk
dan kepatuhan secara terintegrasi yang disesuaikan management, and compliance, adjusted to
dengan perkembangan ekosistem perbankan terkini the latest developments in the banking ecosystem
serta didukung dengan digitalisasi dan inovasi and supported by digitalization and innovation in
teknologi; technology;
7. Membentuk SKAI, Satuan Kerja Manajemen Risiko, 7. Establishing SKAI, Risk Management Unit, and
dan Satuan Kerja Kepatuhan. Selain membentuk Compliance Work Unit. Other than establishing
satuan kerja, Direksi membentuk satuan kerja lain the work units, the Board of Directors establish
yang diwajibkan sesuai dengan Peraturan Otoritas other work units in line with the Financial Services
Jasa Keuangan; Authority regulations;
8. Menindaklanjuti temuan audit atau pemeriksaan dan 8. Following up audit/inspection findings and
rekomendasi dari SKAI Bank, auditor eksternal, hasil recommendations from the Bank’s SKAI, external
pengawasan Otoritas Jasa Keuangan, dan/atau hasil auditors, results of supervision from Financial
pengawasan otoritas dan lembaga lain; Services Authority, and/or results of supervision of
other authority and institutions;
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9. Mewakili Bank sesuai dengan ketentuan peraturan 9. Representing the Bank in line with the provisions of
perundang-undangan, Anggaran Dasar, dan keputusan laws and regulations, Articles of Association, and
RUPS, baik di dalam maupun di luar pengadilan; GMS resolutions, both in and out of court;
10. Menyelenggarakan RUPS Tahunan dan RUPS lainnya 10. Organizing the Annual GMS and other GMS
serta wajib mempertanggungjawabkan pelaksanaan meetings, and to be accountable for the execution
tugas kepada Pemegang Saham melalui RUPS; of its duties to Shareholders through the GMS;
11. Bertanggung jawab secara tanggung renteng atas 11. Jointly responsible for Bank losses occurred due to
kerugian Bank yang disebabkan oleh kesalahan any errors or negligence of members of the Board
atau kelalaian anggota Direksi dalam menjalankan of Directors in carrying out the duties, unless for
tugasnya, kecuali untuk keadaan tertentu yang telah specific pre-arranged circumstances;
diatur;
12. Dilarang menggunakan penasihat perorangan 12. Prohibited from employing individual advisors
dan/atau jasa profesional sebagai tenaga ahli atau and/or professional services as experts or consultants,
konsultan, kecuali untuk penggunaan penasihat except for the use of individual advisors and/or
perorangan dan/atau jasa profesional dengan professional services under preset provisions; and
ketentuan yang telah diatur; dan
13. Menyediakan data akurat, relevan, dan tepat waktu 13. Providing accurate, relevant, and timely data to
kepada Dewan Komisaris serta mengelola data dan the Board of Commissioners as well as managing
informasi sesuai GCG dan peraturan yang berlaku. data and information in line with GCG principles and
the applicable regulations.
Ruang Lingkup Tugas dan Scope of Duties and Responsibilities
Tanggung Jawab
Dalam menjalankan perannya, setiap anggota Direksi In carrying out their roles, each member of Bank
Bank Capital diberikan pembagian tugas dan tanggung Capital’s Board of Directors is given clear duties and
jawab yang jelas sesuai bidang fungsional masing- responsibilities according to their respective functional
masing. Pengaturan ini bertujuan untuk mendukung areas. Such arrangement aims to support management
efektivitas pengelolaan, meningkatkan efisiensi effectiveness, enhance operational efficiency, and ensure
operasional, serta memastikan kepatuhan terhadap compliance with the GCG principles. The detailed
prinsip-prinsip GCG. Rincian tugas dan tanggung jawab duties and responsibilities of the Board of Directors
Direksi ditetapkan melalui Surat Keputusan Direksi are established through the Board of Directors’
Nomor SK/DIR/151/XI/2025 tentang Struktur Organisasi Decree Number SK/DIR/151/XI/2025 concerning
PT Bank Capital Indonesia Tbk, dengan uraian sebagai the Organizational Structure of PT Bank Capital
berikut: Indonesia Tbk, as outlined below:
Nama Jabatan Bidang Tugas
Name Position Scope of Duties
• Internal Audit.
• Human Capital.
Direktur Utama
Kurniawan Halim • Area Manager.
President Director
• Branches
• Anti-Fraud.
Membawahi Unit Kerja / In charge of:
Direktur Kredit
Yenny Hoo • Credit.
Credit Director
• International Banking Services.
Membawahi Unit Kerja / In charge of:
Direktur Kepatuhan • Compliance & AML.
Harri Setia Budhi
Compliance Director • Risk Management.
• Legal.
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Tata Kelola Perusahaan
Corporate Governance
Nama Jabatan Bidang Tugas
Name Position Scope of Duties
Membawahi Unit Kerja / In charge of:
• Finance and Accounting.
• Treasury and Financial Institutions.
• General Affairs.
• Credit Support.
Direktur Operasional • Credit Review.
Lim Migi Trisnadi Elias
Operations Director • Central Operational.
• Operational Settlement and Loan Admin.
• Branch Operational Support I.
• Branch Operational Support II.
• Branch Operational Support III.
• Pension Credit Support.
Direktur Digital & Membawahi Unit Kerja / In charge of:
Consumer Banking • Information Technology.
Febriyanti Ika Sari • Business Development.
Digital & Consumer Banking • Systems & Procedure.
Director • Pension Credit.
Rapat Meetings
Kebijakan dan Pelaksanaan Rapat Meeting Policy and Implementation
Setiap kebijakan dan keputusan strategis Bank Every Bank Capital’s strategic policy and decision is
Capital ditetapkan melalui rapat Direksi dengan tetap established through Board of Directors’ meetings by
memperhatikan fungsi pengawasan Dewan Komisaris. taking into account the oversight function of the Board
Rapat Direksi dilaksanakan baik secara online maupun of Commissioners. Board of Directors’ meetings are held
offline minimal sekali setiap bulan, serta rapat bersama both online and offline at least once a month, while joint
Dewan Komisaris minimal sekali setiap 4 bulan, meetings with the Board of Commissioners are held at
dengan kehadiran mayoritas anggota sebagai syarat least once every 4 months, attended by the majority
sah. Pengambilan keputusan diutamakan melalui of members as the requirement of meeting validity.
musyawarah untuk mufakat, dan apabila tidak tercapai, Decision-making through consensus is prioritized, and
diputuskan berdasarkan suara terbanyak. Seluruh rapat if it cannot be reached, will be made based on majority
didokumentasikan dalam risalah resmi dengan memuat vote. All meetings are documented in official minutes,
paling sedikit agenda pembahasan, daftar hadir, dan that include at least the meeting agenda, attendance
keputusan/hasil pembahasan termasuk pencantuman list, and decisions/discussion results, and any dissenting
dissenting opinion beserta alasannya. opinions along with the reasons.
Frekuensi dan Kehadiran Rapat [G-02] Meeting Frequency and Attendance [G-02]
Sepanjang tahun 2025, partisipasi anggota Direksi Throughout 2025, the participation of Board of
dalam rapat tercatat dengan tingkat kehadiran sebagai Directors’ members in meetings was recorded with
berikut: following attendance:
Rapat Gabungan dengan
Rapat Internal Direksi Dewan Komisaris RUPS
Board of Directors Internal Meeting Joint Meeting with the Board of GMS
Commissioners
Nama Jabatan
Name Position Tingkat Tingkat Tingkat
Jumlah Jumlah Jumlah Total Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
Attendance Attendance Attendance
Total Total Total Total Total Total
Rate Rate Rate
Meetings Attendance Meetings Attendance Meetings Attendance
(%) (%) (%)
Direktur Utama
Kurniawan Halim 12 12 100,00 12 12 100,00 2 2 100,00
President Director
Direktur Kredit
Yenny Hoo 12 12 100,00 12 12 100,00 2 2 100,00
Credit Director
2025 Annual Report | PT Bank Capital Indonesia Tbk 189
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Rapat Gabungan dengan
Rapat Internal Direksi Dewan Komisaris RUPS
Board of Directors Internal Meeting Joint Meeting with the Board of GMS
Commissioners
Nama Jabatan
Name Position Tingkat Tingkat Tingkat
Jumlah Jumlah Jumlah Total Jumlah Jumlah
Kehadiran Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
Attendance Attendance Attendance
Total Total Total Total Total Total
Rate Rate Rate
Meetings Attendance Meetings Attendance Meetings Attendance
(%) (%) (%)
Direktur
Kepatuhan
Harri Setia Budhi 12 12 100,00 12 12 100,00 2 2 100,00
Compliance
Director
Direktur
Lim Migi Trisnadi Operasional
12 12 100,00 12 12 100,00 2 2 100,00
Elias Operations
Director
Direktur Digital
& Consumer
Febriyanti Ika Banking
12 12 100,00 12 12 100,00 2 2 100,00
Sari Digital &
Consumer
Banking Director
Rata-Rata Tingkat Kehadiran (%)
100,00 100,00 100,00
Average Attendance Rate (%)
Pelaksanaan Tugas, Tanggung Jawab, Implementation of Duties, Responsibilities,
dan Wewenang and Authority
Sepanjang tahun 2025, Direksi Bank Capital menjalankan Throughout 2025, the Board of Directors of Bank
fungsi pengelolaan dan pengambilan keputusan secara Capital has fully carried out its management and
penuh, dengan melaksanakan berbagai tugas dan decision-making functions by performing various their
tanggung jawab utama, antara lain: main duties and responsibilities, including:
1. Melaporkan tugas dan tanggung jawabnya kepada 1. Reported its duties and responsibilities to the
Pemegang Saham melalui Laporan Pertanggung Shareholders through the Board of Directors’
Jawaban Direksi yang disampaikan dalam RUPS Accountability Report presented at the Annual GMS;
Tahunan;
2. Dalam upaya untuk menerapkan prinsip-prinsip GCG 2. In an effort to implement GCG principles in every
dalam setiap kegiatan usaha Bank, Direksi senantiasa business activities of the Bank, the Board of
melakukan pertemuan dan/atau pembahasan Directors regularly held meetings and/or discussions
langkah-langkah strategis dalam rapat koordinasi on strategic initiatives in monthly coordination
yang diadakan secara berkala setiap bulannya. Hasil meetings. Discussion results of such coordination
pembahasan dalam rapat-rapat koordinasi tersebut meetings served as references for each Director in
kemudian dapat dijadikan acuan bagi Direktur determining follow-up actions for their respective
bidang masing-masing untuk menentukan langkah- subordinates. In the event of any constraints met
langkah tindak lanjut bagi jajaran di bawahnya. Dalam in terms of technical implementation of decisions
hal ditemui kendala dalam teknis pelaksanaan hasil made in the aforementioned Board of Directors’
keputusan rapat Direksi sebagaimana dimaksud, meetings, they will be later discussed in the next
maka hal tersebut akan dilakukan pembahasan Board of Directors’ meetings;
kembali dalam rapat Direksi selanjutnya;
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Tata Kelola Perusahaan
Corporate Governance
3. Menindaklanjuti temuan audit dan rekomendasi 3. Followed up the audit findings as well as
dari SKAI, auditor eksternal, dan hasil pengawasan recommendations from SKAI, external auditors, and
Otoritas Jasa Keuangan dan/atau hasil pengawasan results of supervision from the Financial Services
otoritas lain. Tindak lanjut temuan Otoritas Jasa Authority and/or other authorities. Follow-up actions
Keuangan melalui corrective action dan action plan; on Financial Services Authority findings were done
through corrective actions and action plans;
4. Mengungkapkan kebijakan-kebijakan Bank yang 4. Disclosed the Bank’s strategic policies for
bersifat strategis di bidang kepegawaian melalui employment via transparent communication
media-media yang bersifat transparan dan mudah channels easily accessible by employees;
diakses pegawai;
5. Dalam memastikan integritas Laporan Keuangan, 5. In ensuring the integrity of the Financial Statements,
Direksi bertanggung jawab menetapkan strategi Board of Directors is responsible for establishing
pelaksanaan proses penyusunan Laporan Keuangan implementation strategies for the preparation
yang berintegritas, termasuk penyediaan sarana dan process of Financial Statements with integrity,
prasarana penunjang pelaporan keuangan; dan including provision of supporting facilities and
6. Memperhatikan kesiapan infrastruktur yang infrastructure for financial reporting; and
meliputi sumber daya manusia, teknologi informasi, 6. Considering the infrastructure readiness, including
jaringan kantor, serta kebijakan dan prosedur, guna human resources, information technology, network
mendukung rencana strategis Bank. of offices, as well as policies and procedures, to
support the Bank’s strategic plans.
Kebijakan Pemisahan Chairman of the Board dan
Chief Executive Officer [G-03]
Chairman of the Board and the Chief Executive Officer Separation Policy
Dalam rangka memperkuat penerapan GCG dan To strengthen the GCG implementation and to support
mendukung keberlanjutan usaha, Bank Capital its business continuity, Bank Capital emphasizes roles
menegaskan pemisahan peran antara Chairman of separation of the Chairman of the Board (President
the Board (Komisaris Utama) dan Chief Executive Commissioner) and the Chief Executive Officer
Officer (Direktur Utama). Kebijakan ini membedakan (President Director). This policy clearly differentiate
secara jelas fungsi pengawasan dan pengelolaan oversight function from operational management in line
operasional sesuai Pedoman dan Tata Tertib Kerja Dewan with Guidelines and Rules of Board of Commissioners,
Komisaris, Direksi, dan Komite yang diperbarui melalui Board of Directors, and Committees, updated through
Nomor SK/DIR/166/XII/2024. Komisaris Utama, Decision Letter Number SK/DIR/166/XII/2024.
Danny Nugroho, memimpin Dewan Komisaris dalam President Commissioner, Danny Nugroho, leads Board
memastikan efektivitas pengawasan serta memberikan of Commissioners in ensuring effective oversight and
arahan strategis bagi pertumbuhan Bank, sementara providing strategic guidance for Bank’s growth, while
Direktur Utama, Kurniawan Halim, bertanggung jawab President Director, Kurniawan Halim, is handling for
atas pengelolaan operasional, pencapaian target kinerja, operational management, achievement of performance
dan pelaksanaan strategi bisnis. targets, and implementation of business strategies.
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Program Pelatihan dan/atau Peningkatan
Kompetensi Dewan Komisaris dan Direksi
Training and/or Competency Development Program for
the Board of Commissioners and the Board of Directors
Kebijakan Pelatihan dan/atau Peningkatan Training and/or Competency
Kompetensi [G-05] Development Policy [G-05]
Bank Capital menempatkan pelatihan bagi Dewan Bank Capital considers training for the Board of
Komisaris dan Direksi sebagai upaya strategis untuk Commissioners and Board of Directors as strategic
menjaga kompetensi dan kesiapan menghadapi initiative to maintain their competencies and readiness in
dinamika perbankan, ekonomi, dan keuangan. Setiap facing the dynamics of banking, economic, and financial.
anggota diwajibkan mengikuti pelatihan minimal 1 kali Every member is required to participate in training
setiap tahun untuk mendukung pelaksanaan tugas dan at least once a year to support the implementation
tanggung jawabnya. Pelatihan untuk Dewan Komisaris of their duties and responsibilities. Training for
dilaksanakan di dalam negeri, sementara Direksi dapat the Board of Commissioners is done domestically, while
mengikuti pelatihan di dalam maupun luar negeri dengan Board of Directors may attend training domestically or
persetujuan Direktur Utama, sehingga kemampuan internationally upon approval from President Director,
kepemimpinan dan pengambilan keputusan senantiasa to ensure leadership and decision-making capabilities
terjaga. are always maintained.
Pelaksanaan Pelatihan dan/atau Implementation of Training and/or
Peningkatan Kompetensi Competency Development
Sepanjang tahun 2025, Dewan Komisaris dan Direksi Throughout 2025, the Board of Commissioners and
Bank Capital aktif mengikuti berbagai program pelatihan Board of Directors of Bank Capital actively participated
dan pengembangan kompetensi guna memperkuat in various trainings and competency development
kapasitas kepemimpinan serta mendukung penerapan programs to strengthen leadership capacity and support
prinsip GCG. Rincian kegiatan pelatihan dan peningkatan the implementation of GCG principles. Details of
kompetensi yang diikuti sebagai berikut: the trainings and competency development activities
followed are presented below:
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Tata Kelola Perusahaan
Corporate Governance
Dewan Komisaris
Board of Commissioners
Kehadiran
Materi Pelatihan Attendance
Training Topic
Danny Nugroho Peter Kurniawan Andrey Jayanto
Strategi Mitigasi Risiko Pencucian Uang di Bank Menghadapi
Tipologi Baru Tindak Pidana Pencucian Uang dan Praktik Suap
Terkini
Risk Mitigation Strategy for Money Laundering in Banks To
Address Emerging Typologies of Money Laundering Crime
and Recent Bribery Practices
Refreshment Sertifikasi Manajemen Risiko Jenjang 6
Refreshment on Level 6 Risk Management Certification
Leadership Excellence: Leading with Influence and Impact
Growing Together Reaching Higher - -
Direksi
Board of Directors
Kehadiran
Attendance
Materi Pelatihan
Training Topic
Kurniawan Harri Setia Lim Migi Febriyanti
Yenny Hoo
Halim Budhi Trisnadi Elias Ika Sari
Refreshment Layanan Capital Flex dan New CBN
- - -
Refreshment on Capital Flex and New CBN Services
Strategi Mitigasi Risiko Pencucian Uang di Bank
Menghadapi Tipologi Baru Tindak Pidana Pencucian
Uang dan Praktik Suap Terkini
Risk Mitigation Strategy for Money Laundering in
Banks To Address Emerging Typologies of Money
Laundering and Recent Bribery Practices
Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Refreshment on Level 7 Risk Management
Certification
Leadership Excellence: Leading with Influence and
Impact
Growing Together Reaching Higher
Sosialisasi Refreshment Produk Akhir Tahun 2025
Dissemination of Products Refreshment End of - - -
Year 2025
Pembekalan Sertifikasi Anti Pencucian Uang (APU),
Pencegahan Pendanaan Terorisme (PPT), dan
Pencegahan Pendanaan Proliferasi Senjata Pemusnah
Massal (PPPSPM) Jenjang 7
- - - -
Briefing on Level 7 Certification on Anti Money
Laundering (AML), Counter-Terrorism Financing
(CTF), and Counter-Proliferation of Weapons of Mass
Destruction Financing (CPF) Program
2025 Annual Report | PT Bank Capital Indonesia Tbk 193
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Kehadiran
Attendance
Materi Pelatihan
Training Topic
Kurniawan Harri Setia Lim Migi Febriyanti
Yenny Hoo
Halim Budhi Trisnadi Elias Ika Sari
Uji Sertifikasi dan APU, PPT, dan PPPSPM Jenjang 7
- - - -
Examination of Level 7 AML, CTF and CPF
Leadership as Coach: Memimpin dengan Hati,
Membangun dengan Aksi
- - - -
Leadership as Coach: Leading with Heart, Building
with Action
Business Continuity Management - - - -
Team Building Bank Pembayaran dan Bank Rekening
Dana Nasabah KSEI Tahun 2025
- - - -
2025 Team Building for KSEI Payment Bank and
Customer Fund Account (RDN) Bank
Coinfest Asia - - - -
Program Orientasi bagi Anggota Dewan Orientation Program for Newly Appointed
Komisaris dan Direksi yang Baru Diangkat Members of the Board of Commissioners
and the Board of Directors
Bank Capital menyelenggarakan program orientasi Bank Capital held an orientation program for newly
bagi anggota Dewan Komisaris dan Direksi baru guna appointed members of the Board of Commissioners
memberikan pemahaman menyeluruh tentang Bank and Board of Directors to quickly and adequately give
secara cepat dan memadai, sehingga Dewan Komisaris a comprehensive understanding of the Bank, enabling
dan Direksi dapat melaksanakan tugas dan tanggung Board of Commissioners and Board of Directors to
jawab secara optimal. Materi orientasi mencakup carry out their duties and responsibilities optimally.
nilai-nilai, visi dan misi, struktur organisasi, strategi Orientation materials include the values, vision and
dan rencana bisnis jangka menengah maupun panjang, mission, organizational structure, medium and long-term
kinerja, kondisi keuangan, pengelolaan risiko, serta tugas strategies and business plans, performance, financial
dan wewenang masing-masing sesuai Anggaran Dasar condition, risk management, and respective duties
dan kebijakan tata kelola. and authorities in line with Articles of Association and
governance policies.
Laporan tahunan, peraturan perbankan dan pasar Annual reports, banking and capital market regulations,
modal, serta dokumen pendukung disediakan dalam and supporting documents are provided in both hard
bentuk hard copy maupun soft copy oleh Sekretaris and soft copy by the Corporate Secretary and Human
Perusahaan dan Divisi Human Capital. Selama orientasi, Capital Division. During the orientation program,
peserta dapat meminta presentasi tambahan, berdiskusi participants may request additional presentations,
dengan anggota Direksi atau Dewan Komisaris lainnya, discussing with members of Board of Directors or
dan memperoleh penjelasan terkait berbagai aspek yang other members of Board of Commissioners, and obtain
diperlukan untuk mendukung pengambilan keputusan explanations on various aspects required to support
dan pelaksanaan tugas Dewan Komisaris dan Direksi decision-making and professional implementation of
secara profesional. the duties of the Board of Commissioners and Board of
Directors.
Sepanjang tahun 2025, Bank tidak menyelenggarakan Throughout 2025, the Bank held no orientation program
program orientasi bagi Dewan Komisaris maupun Direksi for either the Board of Commissioners or Board of
karena tidak terdapat anggota baru yang diangkat pada Directors, as there was no newly appointed member in
periode tersebut. the period.
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Tata Kelola Perusahaan
Corporate Governance
Penilaian Kinerja Dewan Komisaris, Direksi, Komite
di Bawah Dewan Komisaris dan Direksi, serta
Organ di Bawah Direksi [G-04]
Performance Assessment of the Board of Commissioners,
the Board of Directors, Committees Under the Board of Commissioners
and the Board of Directors, and Organs Under the Board of Directors
Penilaian Kinerja Dewan Komisaris Performance Assessment of
the Board of Commissioners
Prosedur Pelaksanaan Penilaian dan Pihak Procedure for Conducting Performance
yang Melakukan Penilaian Kinerja Assessment and Party Conducting
Performance Assessment
Kinerja Dewan Komisaris Bank Capital dinilai oleh The performance of the Board of Commissioners of
Pemegang Saham melalui RUPS Tahunan, berdasarkan Bank Capital is assessed by Shareholders through
Laporan Tahunan dan Laporan Keuangan yang Annual GMS, based on the Annual Report and
disampaikan. Selain itu, Dewan Komisaris juga melakukan Financial Statements presented. Further, the Board of
penilaian sendiri (self-assessment) sebanyak 1 kali dalam Commissioners also conducts a self-assessment once
setahun. Kebijakan penilaian sendiri ini mengacu pada a year. The self-assessment policy refers to Financial
Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun Services Authority Regulation Number 17 of 2023 on
2023 tentang Penerapan Tata Kelola bagi Bank Umum. the Implementation of Governance for Commercial
Melalui mekanisme self-assessment, Dewan Komisaris Banks. With self-assessment policy, Board of
menilai kinerja mereka secara mandiri untuk memastikan Commissioners independently assess their performance
efektivitas dalam menjalankan tugas pengawasan dan to ensure effectiveness in carrying out the supervisory
pemberian nasihat. duties and provision of advices.
Kriteria Penilaian Kinerja Performance Assessment Criteria
Penilaian terhadap kinerja Dewan Komisaris didasarkan Performance assessment of the Board of Commissioners
pada beberapa kriteria, termasuk: are based on several criteria, including:
1. Capaian kinerja selama tahun buku; 1. Performance achievements during the fiscal year;
2. Kompetensi dalam melaksanakan tugas; dan 2. Competencies in carrying out the duties; and
3. Kehadiran dalam rapat yang diselenggarakan 3. Attendance at meetings held throughout the year.
sepanjang tahun.
Hasil Penilaian Kinerja Performance Assessment Results
Sepanjang tahun 2025, Dewan Komisaris telah Throughout 2025, the Board of Commissioners has done
menjalankan tugas dan tanggung jawabnya secara out its duties and responsibilities well and optimally.
baik dan optimal. Komitmen tersebut tercermin dari This commitment was reflected from the provision of
pemberian nasihat, arahan, dan rekomendasi yang constructive advices, directives, and recommendations
konstruktif kepada Direksi, sehingga turut memperkuat to Board of Directors, which strengthen the governance
penerapan tata kelola dan mendukung pencapaian implementation and supporting the sustainable
tujuan strategis Bank Capital secara berkelanjutan. achievement of Bank Capital’s strategic objectives.
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Penilaian Kinerja Direksi Performance Assessment of
the Board of Directors
Prosedur Pelaksanaan Penilaian dan Pihak Procedure for Conducting Performance
yang Melakukan Penilaian Kinerja Assessment and Party Conducting
Performance Assessment
Kinerja Direksi Bank Capital dinilai oleh Pemegang The performance of the Board of Directors of Bank
Saham melalui RUPS Tahunan, berdasarkan laporan Capital is assessed by the Shareholders through Annual
pertanggungjawaban berupa Laporan Tahunan dan GMS, based on accountability reports in the form of
Laporan Keuangan. Selain itu, Direksi juga melakukan Annual Report and Financial Statements. In addition,
penilaian sendiri (self-assessment) dan dinilai oleh the Board of Directors conducts a self-assessment and
Dewan Komisaris sebanyak 1 kali dalam setahun. is evaluated by the Board of Commissioners once a year.
Kebijakan penilaian sendiri ini mengacu pada Peraturan The self-assessment policy refers to Financial
Otoritas Jasa Keuangan Nomor 17 Tahun 2023 tentang Services Authority Regulation Number 17 of 2023 on
Penerapan Tata Kelola bagi Bank Umum. Melalui the Implementation of Governance for Commercial
mekanisme self-assessment, Direksi menilai efektivitas Banks. With the self-assessment policy, the Board of
mereka dalam melaksanakan tugas dan tanggung jawab Directors assess their effectiveness in carrying out
untuk memastikan pengelolaan yang optimal dan sesuai the duties and responsibilities in ensuring optimal
prinsip GCG. management in line with the GCG principles.
Kriteria Penilaian Kinerja Performance Assessment Criteria
Penilaian kinerja Direksi didasarkan pada beberapa Performance assessment of the Board of Directors are
kriteria utama, yaitu: based on several main criteria, including:
1. Capaian kinerja selama tahun buku; 1. Performance achievements during the fiscal year;
2. Kompetensi dalam menjalankan tugas; dan 2. Competencies in carrying out the duties; and
3. Kehadiran dalam rapat yang diselenggarakan. 3. Attendance at meetings held.
Hasil Penilaian Kinerja Performance Assessment Results
Penilaian atas kinerja Direksi pada tahun 2025 Performance assessment results of the Board of
menunjukkan capaian yang memuaskan dan sesuai Directors in 2025 show satisfactory achievements in
dengan standar evaluasi yang berlaku. Pencapaian positif line with established evaluation standards. The positive
tersebut tercermin dalam Laporan Kinerja Keuangan dan achievements are reflected in the Financial Performance
hasil Tingkat Kesehatan Bank, yang menggambarkan Report and results of Bank Soundness Level, showing
pengelolaan Bank berjalan efektif. Hasil ini menegaskan an effective Bank management. The results affirm
komitmen Direksi dalam menjaga stabilitas sekaligus the Board of Directors’ commitment to maintain stability
mendorong pertumbuhan berkelanjutan Bank Capital. while driving the sustainable growth of Bank Capital.
Penilaian Kinerja Komite di Bawah Performance Assessment of Committees
Dewan Komisaris dan Direksi Under the Board of Commissioners and
the Board of Directors
Prosedur Pelaksanaan Penilaian dan Pihak yang Procedure for Conducting Performance
Melakukan Penilaian Kinerja Assessment and Party Conducting Performance
Assessment
Dewan Komisaris melakukan pengawasan dan evaluasi The Board of Commissioners is supervising and
atas kinerja komite-komite di bawah Dewan Komisaris, evaluating the performance of committees under
yang meliputi Komite Audit, Komite Pemantau Risiko, Board of Commissioners, namely Audit Committee,
serta Komite Remunerasi dan Nominasi. Penilaian kinerja Risk Monitoring Committee, and Remuneration
terhadap komite-komite ini dilakukan secara langsung and Nomination Committee. Assessment of
oleh Dewan Komisaris. these committees are done directly by Board of
Commissioners.
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Tata Kelola Perusahaan
Corporate Governance
Di sisi lain, kinerja komite-komite yang berada di bawah Further, performance of committees under Board of
Direksi dievaluasi oleh Direksi setiap tahun. Evaluasi Directors is evaluated annually by Board of Directors.
tersebut dilakukan menggunakan metode penilaian The evaluation is done using an assessment method
yang ditetapkan dalam keputusan Direksi, sesuai dengan established under the Board of Directors decree,
kebijakan yang berlaku di Bank. following the Bank’s applicable policies.
Kriteria Penilaian Kinerja Performance Assessment Criteria
Kriteria yang digunakan untuk menilai kinerja The criteria used to assess the performance of
komite-komite di bawah Dewan Komisaris dan Direksi committees under the Board of Commissioners and
mencakup: Board of Directors, are:
1. Capaian kinerja selama tahun buku; 1. Performance achievements during the fiscal year;
2. Kompetensi dalam melaksanakan tugas; dan 2. Competencies in carrying out the duties; and
3. Kehadiran dalam rapat yang telah diselenggarakan. 3. Attendance at meetings held.
Hasil Penilaian Kinerja Performance Assessment Results
Pada tahun 2025, Dewan Komisaris menilai bahwa In 2025, the Board of Commissioners considered
komite-komite di bawah lingkup pengawasannya telah committees under its supervisory have done their
menjalankan peran secara efektif. Hal ini tercermin roles effectively. This is reflected in the quality of
dari kualitas rekomendasi yang disampaikan, keaktifan recommendations given, active participation in joint
dalam rapat gabungan dengan Dewan Komisaris, serta meetings with Board of Commissioners, and successful
keberhasilan merealisasikan rencana kerja tahunan sesuai realization of annual work plans in accordance with
target. Sejalan dengan itu, Direksi juga memberikan the targets. Accordingly, the Board of Directors also
penilaian positif terhadap komite-komite yang berada gave a positive assessment for committees under its
dalam lingkup pengelolaannya, yang sepanjang tahun management, which throughout 2025 have proven
2025 terbukti mendukung kelancaran tugas Direksi to support the smooth implementation of Board of
melalui rekomendasi yang relevan, partisipasi yang Directors’ duties through relevant recommendations,
konsisten, serta pencapaian program kerja secara consistent participation, and optimum achievement of
optimal. the work programs.
2025 Annual Report | PT Bank Capital Indonesia Tbk 197
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Remunerasi dan Nominasi Dewan Komisaris
dan Direksi
Remuneration and Nomination of the Board of Commissioners
and the Board of Directors
Nominasi Dewan Komisaris dan Direksi Nomination of the Board of Commissioners
and the Board of Directors
Kebijakan dan Prosedur Nominasi Nomination Policy and Procedures
Bank Capital telah menetapkan kebijakan internal yang Bank Capital has established internal policies that clearly
mengatur secara jelas mekanisme suksesi bagi anggota regulating the succession mechanism for members of
Dewan Komisaris dan Direksi. Proses ini dilaksanakan the Board of Commissioners and Board of Directors.
melalui peran Komite Remunerasi dan Nominasi, yang This process is carried out by the Remuneration
bertanggung jawab memberikan rekomendasi terkait and Nomination Committee, which is responsible
calon anggota sesuai dengan kebutuhan strategis to recommend prospective members following
Bank. Komite Remunerasi dan Nominasi juga menyusun the Bank’s strategic needs. The Remuneration and
sistem serta prosedur pemilihan dan penggantian yang Nomination Committee also formulates the selection
mengacu pada prinsip GCG, profesionalisme, serta and replacement systems and procedures by referring
rekam jejak kompetensi kandidat. Dengan pendekatan to the GCG principles, professionalism, and candidates’
tersebut, Bank memastikan terwujudnya regenerasi competency track records. With this approach, the Bank
kepemimpinan yang terencana, transparan, dan mampu ensures the realization of planned and transparent
mendukung kesinambungan pengelolaan di masa leadership regeneration, capable of supporting
mendatang. management continuity in the future.
Remunerasi Dewan Komisaris dan Direksi Remuneration of the Board of
Commissioners and the Board of Directors
Kebijakan dan Prosedur Penetapan Remunerasi Remuneration Policy and Procedures
Bank Capital menerapkan kebijakan remunerasi bagi Bank Capital implements a remuneration policy for
Dewan Komisaris dan Direksi sebagai bentuk apresiasi the Board of Commissioners and Board of Directors as
atas pelaksanaan tugas dan tanggung jawab sepanjang an appreciation for the implementation of their duties
tahun buku. Kebijakan ini dirancang dengan mengacu and responsibilities in the financial year. This policy is
pada Peraturan Otoritas Jasa Keuangan Nomor 17 designed by referring to Financial Services Authority
Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Regulation Number 17 of 2023 on Implementation
Umum dan serta Surat Edaran Otoritas Jasa Keuangan of Corporate Governance for Commercial Banks
Nomor 40/SEOJK.03/2016 tentang Penerapan Tata and Financial Services Authority Circular Letter
Kelola dalam Pemberian Remunerasi bagi Bank Umum. Number 40/SEOJK.03/2016 on the Implementation of
Seluruh ketentuan tersebut diintegrasikan dalam Corporate Governance in Providing Remuneration for
Pedoman dan Tata Tertib Kerja Dewan Komisaris, Direksi, Commercial Banks. All of these provisions are integrated
dan Komite yang terakhir diperbarui melalui Surat into the Guidelines and Rules of Procedure for the Board
Keputusan Direksi Nomor SK/DIR/166/XII/2024. of Commissioners, Board of Directors, and Committees,
last updated through the Board of Directors’ Decree
Number SK/DIR/166/XII/2024.
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Tata Kelola Perusahaan
Corporate Governance
Prosedur dan Penetapan Remunerasi Remuneration Procedures for the Board of
Dewan Komisaris dan Direksi Commissioners and the Board of Directors
Prosedur penetapan remunerasi bagi Dewan Komisaris The remuneration procedure for the Board of
dan Direksi Bank Capital dimulai dari pembahasan Commissioners and Board of Directors of Bank Capital
yang dilakukan oleh Pemegang Saham dalam RUPS. is started with a discussion held by Shareholders at
Dalam rapat tersebut, Pemegang Saham memberikan the GMS. In this meeting, the Shareholders grant
wewenang dan kuasa kepada Dewan Komisaris untuk authority and power to the Board of Commissioners to
menetapkan besaran remunerasi. set the remuneration amount.
Setelah itu, Komite Remunerasi dan Nominasi melakukan Then, Remuneration and Nomination Committee
kajian dan evaluasi secara menyeluruh untuk performs full review and evaluation to determine
menentukan remunerasi yang sesuai bagi Dewan appropriate remuneration for the Board of
Komisaris. Hasil kajian ini berupa rekomendasi yang Commissioners. The review resulted in recommendations,
kemudian disampaikan oleh Komite kepada Dewan later presented by the Committee to the Board of
Komisaris. Selanjutnya, Dewan Komisaris membahas Commissioners. Next, Board of Commissioners discuss
usulan tersebut dan menetapkan besaran remunerasi the proposal and set the remuneration amount for
bagi anggota Direksi dan Dewan Komisaris berdasarkan members of the Board of Directors and the Board of
hasil kajian yang telah dilakukan. Commissioners based on the review results.
Indikator Penetapan Remunerasi Direksi Remuneration Indicator for the Board of
dan Dewan Komisaris Commissioners and the Board of Directors
Dalam penerapan GCG terkait pemberian remunerasi, In implementing the GCG related to remuneration
Bank Capital wajib memperhatikan prinsip kehati-hatian, provision, Bank Capital should consider the prudential
baik dalam pemberian remunerasi tetap maupun principle, both in providing fixed and variable
remunerasi variabel. Untuk kebijakan remunerasi remuneration. For fixed remuneration policy, it is made
yang bersifat tetap, penetapan dilakukan dengan by considering various factors, such as business scale,
memperhatikan berbagai faktor, seperti skala usaha, business complexity, peer group, inflation rates, Bank’s
kompleksitas usaha, peer group, tingkat inflasi, kondisi financial condition and capability, and compliance with
dan kemampuan keuangan Bank, serta kesesuaiannya applicable laws and regulations.
dengan peraturan perundang-undangan yang berlaku.
Sedangkan untuk kebijakan remunerasi variabel, As for variable remuneration policy, on top of
selain mempertimbangkan aspek yang sama, seperti considering similar factors for fixed remuneration,
remunerasi tetap, penetapan remunerasi variabel the variable remuneration is set by encouraging prudent
juga wajib mendorong praktik prudent risk-taking, risk-taking practices, ensuring the risk management is
yang memastikan pengelolaan risiko dilakukan secara carried out cautiously and responsibly.
hati-hati dan bertanggung jawab.
Pelaksanaan Kaji Ulang dan Independensi Implementation of Review and Independence
Penerapan Kebijakan Remunerasi of Remuneration Policy
Bank Capital memastikan bahwa evaluasi kinerja dan Bank Capital ensures performance evaluation and
penentuan remunerasi dilakukan dengan menjaga remuneration determination are conducted by
independensi, termasuk untuk karyawan di unit kontrol. maintaining independence, including for employees
Proses ini diawasi secara ketat dan dikaji melalui Komite in control units. This process is closely monitored and
Remunerasi dan Nominasi untuk memastikan penerapan reviewed by Remuneration and Nomination Committee
kebijakan remunerasi yang adil, transparan, dan sesuai to ensure the implementation of a fair, transparent
dengan prinsip GCG. remuneration policy, in accordance with the GCG
principles.
Secara berkala, Bank melakukan kaji ulang atas kebijakan The Bank periodically review its remuneration policy
remunerasi dengan mempertimbangkan berbagai aspek, by weighing in various aspects, such as individual and
seperti kinerja individu dan kolegial, risiko yang terkait collective performance, risks related to the respective
dengan tanggung jawab masing-masing, kewajaran responsibility, fairness compared to peer group, strategic
dibandingkan dengan peer group, sasaran strategis, goals, long-term strategy of the bank, fulfillment of
strategi jangka panjang Bank, pemenuhan cadangan reserve according to the laws and regulations, and
2025 Annual Report | PT Bank Capital Indonesia Tbk 199
Page 202
yang sesuai dengan peraturan perundang-undangan, potential future earnings of the Bank. The review aims
serta potensi pendapatan Bank di masa mendatang. Kaji to ensure that the remuneration policy remains relevant,
ulang ini bertujuan untuk memastikan bahwa kebijakan aligned with the financial condition of the Bank, as well
remunerasi tetap relevan, sejalan dengan kondisi as supporting the long-term business continuation.
keuangan Bank, dan mendukung keberlanjutan usaha
dalam jangka panjang.
Penetapan Material Risk Takers (MRT) Determination of Material Risk Takers
Penentuan Material Risk Takers (MRT) dilakukan Determination of Material Risk Takers (MRT) is
berdasarkan metode kuantitatif. Melalui pendekatan conducted using quantitative method. Through this
kuantitatif bagi Direksi, Dewan Komisaris, dan/atau approach, members of the Board of Directors, the Board
karyawan yang memperoleh remunerasi yang bersifat of Commissioners, and/or employees who receive
variabel dengan nilai yang besar dikategorikan sebagai substantial variable remuneration are categorized as
MRT. MRT.
Struktur dan Besaran Remunerasi Structure and Amount of Remuneration
Sepanjang tahun 2025, Bank Capital telah menetapkan Throughout 2025, Bank Capital has established
struktur dan besaran remunerasi bagi Dewan Komisaris the structure and amount of remuneration for the Board
dan Direksi dengan mengacu pada kebijakan internal of Commissioners and Board of Directors by referring
serta ketentuan regulator yang berlaku. Rincian to internal policies and applicable regulatory provisions.
mengenai komposisi dan nilai remunerasi tersebut Details on the composition and remuneration value are
sebagai berikut: as follows:
Remunerasi Dewan Komisaris dan Direksi berdasarkan Jenis Remunerasi dan Fasilitas Lain
Remuneration of the Board of Commissioners and the Board of Directors based on the Type of Remuneration
and Other Facilities
Jumlah Diterima dalam 1 Tahun
Total Received in 1 Year
Dewan Komisaris Direksi
Uraian
Board of Commissioners Board of Directors
Description
jutaan Rupiah jutaan Rupiah
Orang Orang
millions of millions of
People People
Rupiah Rupiah
Remunerasi (Gaji, Tunjangan Rutin, dan Fasilitas
Lainnya)
3 3.436 5 14.258
Remuneration (Salary, Regular Allowances, and
Other Benefits)
Fasilitas Lain dalam Bentuk Natura (Kendaraan Dinas
dan sebagainya) yang:
- - - -
Other benefits in kind (such as company vehicles,
etc.) are also provided:
Dapat Dimiliki
- - - -
Can be Owned
Tidak dapat Dimiliki
- - 5 2.244
Cannot be Owned
Jumlah
3 3.436 5 16.502
Total
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Tata Kelola Perusahaan
Corporate Governance
Remunerasi Dewan Komisaris dan Direksi berdasarkan Bentuk
Remuneration of the Board of Commissioners and the Board of Directors by Type
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Uraian
Description jutaan Rupiah jutaan Rupiah
Orang Orang
People millions of People millions of
Rupiah Rupiah
Remunerasi dalam Bentuk Tunai
3 3.436 5 14.258
Cash-Based Remuneration
Remunerasi dalam Bentuk Natura
- - 5 2.244
Goods-Based Remuneration
Remunerasi dalam Bentuk Saham
- - - -
Stock-Based Remuneration
Jumlah
3 3.436 5 16.502
Total
Jumlah Remunerasi yang Bersifat Tetap
Total Fixed Remuneration
Uraian Jumlah Dewan Komisaris Jumlah Direksi
Description Total Board of Commissioners Total Board of Directors
Di Atas Rp2 Miliar
- 5
Above Rp2 Billion
Di Atas Rp1 Miliar-Rp2 Miliar
2 -
Above Rp1 Billion-Rp2 Billion
Di Atas Rp500 Juta-Rp1 Miliar
1 -
Above Rp500 Million-Rp1 Billion
Rp500 Juta ke Bawah
- -
Below Rp500 Million
Rasio Gaji Tertinggi dan Terendah
Highest and Lowest Salary Ratio
Rasio
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratio
Ratio
Rasio Gaji Karyawan Tertinggi dan Terendah 35,24 : 1 Highest and Lowest Employee Salary Ratio
Rasio Gaji Direksi Tertinggi dan Terendah 2,04 : 1 Highest and Lowest Director Salary Ratio
Rasio Gaji Dewan Komisaris Tertinggi dan Terendah 1,50 : 1 Highest and Lowest Commissioner Salary Ratio
Highest Director Salary and Highest
Rasio Gaji Direksi Tertinggi dan Karyawan Tertinggi 3,12 : 1
Employee Salary Ratio
2025 Annual Report | PT Bank Capital Indonesia Tbk 201
Page 204
Pengungkapan Opsi Saham
Disclosure of Stock Options
Opsi Saham
Stock Options
Jumlah Saham Dimiliki
Jabatan (Lembar Saham) Telah
Diberikan
Position Dieksekusi
Total Shares Owned (Lembar Harga Opsi
(Lembar Jangka Waktu
(Shares) Saham) Option Price
Saham) Period
Granted (Rp)
Exercised
(Share)
(Share)
Dewan Komisaris
- - - - -
Board of Commissioners
Direksi
- - - - -
Board of Directors
Pejabat Eksekutif
- - - - -
Executive Officers
Jumlah
- - - - -
Total
Informasi Kuantitatif
Quantitative Information
Jumlah Pengurangan Selama Periode Laporan
Total Reduction During the Reporting Period
Jenis Remunerasi yang Bersifat Variabel* Disebabkan Disebabkan
Sisa yang Masih
Type of Variable Remuneration* Penyesuaian Penyesuaian
Ditangguhkan
Eksplisit Implisit Total
Remaining (A) + (B)
Due to Explicit Due to Implicit
Deferred
Adjustment Adjustment
Amount
(A) (B)
Tunai (jutaan Rupiah)
- - - -
Cash (in millions of Rupiah)
Saham/Instrumen Berbasis Saham yang
Diterbitkan Bank (Lembar Saham dan Nominasi
Juta Rupiah yang merupakan Konversi dari Lembar
Saham Tersebut) - - - -
Shares/Share-Based Instruments Issued by
the Bank (in Shares and Million of Rupiah, which is
the Conversion of These Shares)
* Hanya untuk MRT. / Only for MRT.
Informasi Lain terkait Tata Kelola Remunerasi Other Information related to
Remuneration Governance
Sepanjang tahun 2025, Bank Capital tidak menghadapi Throughout 2025, Bank Capital had no internal issue
permasalahan internal yang terkait dengan intervensi related to Shareholder intervention, conflicts of interest,
Pemegang Saham, konflik kepentingan, maupun or any adverse impact caused by the remuneration
dampak negatif dari kebijakan remunerasi. Kondisi ini policies. This condition shows the Bank’s remuneration
menunjukkan bahwa kebijakan remunerasi Bank telah policy has been implemented fairly, transparently, and
diterapkan secara adil, transparan, dan sejalan dengan in accordance with the GCG principles.
prinsip GCG.
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Tata Kelola Perusahaan
Corporate Governance
Rangkap Jabatan Dewan Komisaris dan Direksi
Concurrent Positions of the Board of Commissioners and
the Board of Directors
Bank menetapkan aturan mengenai larangan rangkap The Bank established rules to prohibit concurrent
jabatan bagi Dewan Komisaris dan Direksi dengan positions for Board of Commissioners and Board of
berpedoman pada Peraturan Otoritas Jasa Keuangan Directors, by referring to Financial Services Authority
Nomor 17 Tahun 2023 tentang Tata Kelola Bank Regulation Number 17 of 2023 on Implementation
Umum dan Surat Edaran Otoritas Jasa Keuangan of Corporate Governance for Commercial Banks and
Nomor 14/SEOJK.03/2025 tentang Penerapan Tata Financial Services Authority Circular Letter Number
Kelola bagi Bank Umum, yang diuraikan sebagai berikut: 14/SEOJK.03/2025 on Corporate Governance for
Commercial Banks, as outlined below:
1. Dewan Komisaris merangkap jabatan sebagai 1. Board of Commissioners hold concurrent positions
anggota Dewan Komisaris, anggota Direksi, anggota as members of the Board of Commissioners,
Dewan Pengawas Syariah, atau Pejabat Eksekutif members of the Board of Directors, members of
pada lembaga keuangan atau perusahaan keuangan the Sharia Supervisory Board, or Executive Officers
baik bank maupun bukan bank; at financial institutions or financial companies, either
bank or non-bank;
2. Dewan Komisaris dilarang merangkap jabatan 2. Board of Commissioners is prohibited to hold
sebagai anggota Dewan Komisaris, anggota Direksi, concurrent positions as members of the Board of
anggota Dewan Pengawas Syariah, atau Pejabat Commissioners, members of the Board of Directors,
Eksekutif pada lebih dari 1 lembaga atau perusahaan members of the Sharia Supervisory Board, or
bukan keuangan, baik yang berkedudukan di dalam Executive Officers at more than 1 non-financial
maupun di luar negeri; institution or company, either domestically or
internationally;
3. Direksi merangkap jabatan sebagai anggota 3. Board of Directors hold concurrent positions
Dewan Komisaris, anggota Direksi, anggota as members of the Board of Commissioners,
Dewan Pengawas Syariah, atau Pejabat Eksekutif members of the Board of Directors, members of
pada bank, perusahaan, dan/atau lembaga lain; the Sharia Supervisory Board, or Executive Officers
at banks, companies, and/or other institutions;
4. Dewan Komisaris dan Direksi merangkap jabatan pada 4. Board of Commissioners and Board of Directors
bidang tugas fungsional pada lembaga keuangan hold concurrent positions in functional roles at bank
bank dan/atau lembaga keuangan bukan bank yang and/or non-bank financial institutions, either
berkedudukan di dalam maupun di luar negeri; domestically or internationally;
5. Dewan Komisaris dan Direksi merangkap jabatan 5. Board of Commissioners and Board of Directors
pada jabatan lain yang dapat menimbulkan benturan hold concurrent positions in another position that
kepentingan dalam pelaksanaan tugas sebagai may case conflicts of interest in the implementation
anggota Dewan Komisaris atau Direksi; of their duties and members of the Board of
Commissioners or Board of Directors;
6. Dewan Komisaris dan Direksi merangkap jabatan 6. Board of Commissioners and Board of Directors hold
pada jabatan lain sesuai dengan ketentuan peraturan concurrent positions in another position in line with
perundang-undangan; dan the provisions of laws and regulations; and
7. Komisaris Independen dilarang merangkap jabatan 7. Independent Commissioner if prohibited to hold
sebagai pejabat publik. concurrent positions as public official.
Tidak termasuk rangkap jabatan Dewan Komisaris dalam Not considered concurrent positions for the Board of
hal: Commissioners:
1. Dewan Komisaris menjabat sebagai anggota Direksi, 1. Board of Commissioners servings as member
anggota Dewan Komisaris, atau Pejabat Eksekutif of Board of Directors, members of Board of
yang melaksanakan fungsi pengawasan pada 1 Entitas Commissioners, or Executive Officers performing
Anak bukan Bank yang dikendalikan oleh Bank; supervisory function on 1 non-Bank Subsidiary
controlled by the Bank;
2025 Annual Report | PT Bank Capital Indonesia Tbk 203
Page 206
2. Komisaris Non-Independen menjalankan tugas 2. Non-Independent Commissioner performing
fungsional dari Pemegang Saham Bank yang functional duties from Bank’s Shareholders in
berbentuk badan hukum pada Bank dan/atau the form legal entity within the Bank and/or Bank’s
kelompok usaha Bank; dan/atau business groups; and/or
3. Dewan Komisaris menduduki jabatan pada 3. Board of Commissioners holds the position on
organisasi atau lembaga nirlaba, sepanjang tidak non-profit institution, as long it does not cause
mengakibatkan yang bersangkutan mengabaikan the said person to neglect the implementation of
pelaksanaan tugas dan tanggung jawab sebagai duties and responsibilities as member of the Board
anggota Dewan Komisaris. of Commissioners.
Sementara itu, tidak termasuk rangkap jabatan dalam hal Meanwhile, not considered concurrent positions for
anggota Direksi: members of the Board of Directors:
1. Bertanggung jawab terhadap pengawasan atas 1. Responsible for the supervision of Bank’s investment
penyertaan Bank pada Entitas Anak; in Subsidiaries;
2. Menjalankan tugas fungsional menjadi anggota 2. Performing functional duties as member of the Board
Dewan Komisaris pada Entitas Anak bukan Bank of Commissioners at non-Bank Subsidiary controlled
yang dikendalikan oleh Bank; by the Bank;
3. Bertanggung jawab terhadap pengawasan dana 3. Responsible for the supervision of pension fund or
pensiun atau menjalankan tugas sebagai Dewan performing duties as Supervisory Board of pension
Pengawas dana pensiun, yang dimiliki oleh Bank; fund, owned by the Bank;
4. Melaksanakan tugas sebagai Direktur pengganti; dan 4. Performing duties as an interim Director; and
5. Menduduki jabatan pada organisasi atau lembaga 5. Holding position in non-profit organization or
nirlaba, sepanjang tidak mengakibatkan yang institution, as long as it does not cause the said
bersangkutan mengabaikan pelaksanaan tugas dan person to neglect the implementation of duties and
tanggung jawab sebagai anggota Direksi. responsibilities as member of the Board of Directors.
Data mengenai rangkap jabatan Dewan Komisaris dan Data on concurrent positions of the Board of
Direksi disajikan secara lengkap pada profil masing-masing Commissioners and Board of Directors are fully
anggota dalam bab Profil Perusahaan. presented in the profile of each member in the Company
Profile chapter.
Pengelolaan Benturan Kepentingan
Dewan Komisaris dan Direksi [G-09]
Management of Conflicts of Interest for the Board of Commissioners
and the Board of Directors
Bank menerapkan kebijakan dan mekanisme penanganan The Bank applies policies and mechanisms to handle
benturan kepentingan sebagai bagian dari penerapan conflicts of interest as part of GCG implementation.
GCG. Setiap anggota Dewan Komisaris dan Direksi, serta Every member of the Board of Commissioners and
pihak terkait lainnya, wajib menjaga integritas dengan Board of Directors, as well as other related parties, must
menghindari segala bentuk benturan kepentingan maintain integrity by avoiding any form of conflicts of
antara kepentingan pribadi dan kepentingan Bank dalam personal interests and the Bank’s interests in carrying
pelaksanaan tugas pengelolaan dan pengawasan. out their management and supervisory duties.
Dalam rangka pencegahan dan pengelolaan benturan In the prevention and management of conflicts of
kepentingan, Bank mewajibkan pengungkapan secara interest, the Bank requires transparent disclosure of
204 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
transparan atas setiap potensi benturan kepentingan any potential conflicts that may affect the objectivity in
yang dapat memengaruhi objektivitas pengambilan the decision-making. Member having conflicts of
keputusan. Anggota yang memiliki benturan kepentingan interest is required to disclose the condition and refrain
diwajibkan mengungkapkan kondisi tersebut dan from participating in the related decision-making
menahan diri dari keterlibatan dalam proses pengambilan process, as well as prohibited from taking any action
keputusan terkait, serta dilarang melakukan tindakan that may harm or reduce the Bank’s profits.
yang dapat merugikan atau mengurangi keuntungan
Bank.
Pengungkapan benturan kepentingan dituangkan secara Disclosure of conflicts of interest is formally
tertib dalam risalah rapat atau dokumen pembahasan recorded in meeting minutes or related discussion
terkait, yang paling sedikit memuat identitas pihak yang documents, containing at least the identity of
memiliki benturan kepentingan, pokok permasalahan, the party having conflicts of interest, the main issues, and
serta dasar pertimbangan pengambilan keputusan. the rationale for decision-making. Decisions are made by
Penetapan keputusan dilakukan oleh pihak yang the authorized party in accordance with the level
berwenang sesuai dengan tingkat jabatan, dengan of position, by ensuring that the party involved in
memastikan bahwa pihak yang terlibat benturan the conflicts of interest does not participate in
kepentingan tidak turut serta dalam proses pengambilan the decision-making process. In addition, the Bank
keputusan. Selain itu, Bank memastikan bahwa setiap ensures that any transactions involving parties with
transaksi dengan pihak yang memiliki hubungan related parties is conducted on an arm’s-length basis
istimewa dilaksanakan secara wajar dan tidak lebih and is not more favourable than transactions conducted
menguntungkan dibandingkan dengan transaksi dengan with other parties under the similar conditions.
pihak lain dalam kondisi yang serupa.
Kebijakan Keberagaman Komposisi
Dewan Komisaris dan Direksi [G-01]
Board of Commissioners and Board of Directors Composition
Diversity Policy
Proses pengangkatan maupun penggantian anggota The appointment or replacement process of members
Dewan Komisaris dan Direksi Bank Capital dilaksanakan of the Board of Commissioners and Board of Directors
dengan menekankan prinsip profesionalisme, of Bank Capital are done by prioritizing professionalism,
independensi, serta kesesuaian kompetensi. Kebijakan independence, and competencies alignment principles.
ini juga memperhatikan keberagaman latar belakang, This policy also considers the diversity of background,
pengalaman, dan gender, guna menciptakan komposisi experience, and gender, to create a balanced
yang seimbang dan mampu mendukung efektivitas composition capable of supporting the effectiveness of
pelaksanaan tugas pengawasan maupun pengelolaan implementation of supervisory and management duties
Bank. Dengan pendekatan ini, setiap anggota diharapkan of the Bank. In this approach, every member is expected
dapat memberikan kontribusi optimal sesuai kebutuhan to contribute optimally in line with the Bank’s strategic
strategis Bank. needs.
Rincian mengenai jumlah anggota, komposisi gender, Details on number of members, gender composition, and
serta status independensi Dewan Komisaris dan Direksi independence status of the Board of Commissioners
tahun 2025 sebagai berikut: and Board of Directors in 2025 are as follows:
2025 Annual Report | PT Bank Capital Indonesia Tbk 205
Page 208
Jumlah Pihak
Jabatan Pria Wanita Independen
Position Male Female Total Independent
Parties
Dewan Komisaris
3 - 2
Board of Commissioners
Direksi
3 2 5
Board of Directors
Komite di Bawah Dewan Komisaris
Committees Under Supervision of the Board of Commissioners
Komite Audit Audit Committee
Komite Audit merupakan komite yang membantu Audit Committee is a committee assisting the Board
Dewan Komisaris dalam menelaah informasi keuangan, of Commissioners in reviewing financial information,
menyeleksi, dan mengawasi auditor independen, selecting, and supervising independent auditor,
mengevaluasi efektivitas fungsi audit internal dan evaluating the effectiveness of internal audit and
pengendalian internal, serta memastikan kepatuhan internal control function, as well as ensuring the Bank’s
Bank terhadap peraturan perundang-undangan yang compliance with provisions of applicable laws and
berlaku. regulations.
Pedoman Kerja Work Guidelines
Komite Audit menjalankan tugas berdasarkan Piagam The Audit Committee is carrying out its duties based
Komite Audit yang secara berkala dikaji dan diperbarui on Audit Committee Charter, regularly reviewed and
sesuai ketentuan serta kebutuhan Bank. Piagam Komite updated in line with Bank’s needs. The Audit Committee
Audit terakhir diperbarui pada 30 April 2024 dan telah Charter was last updated on 30 April 2024 and has been
dipublikasikan di situs web Bank. published at the Bank’s website
Persyaratan Keanggotaan Membership Requirements
Keanggotaan Komite Audit wajib seluruhnya Audit Committee membership must be entirely
independen, yang paling sedikit terdiri dari: independent, consisting of at least:
1. 1 orang Komisaris Independen yang merangkap 1. 1 Independent Commissioner who concurrently
sebagai ketua; serving as Chairman;
2. 1 orang pihak independen yang memiliki keahlian 2. 1 independent party with expertise in finance or
di bidang keuangan atau bidang akuntansi; dan accounting; and
3. 1 orang pihak independen yang memiliki keahlian 3. 1 independent party with expertise in law or banking.
di bidang hukum atau bidang perbankan.
Anggota Komite Audit yang berasal dari pihak Audit Committee members from independent parties
independen dinilai memiliki keahlian di bidang keuangan are deemed to have expertise in finance or accounting if
atau bidang akuntansi dalam hal memenuhi kriteria: they meet the following criteria:
1. Memiliki sertifikat kompetensi di bidang hukum, 1. Possess a competency certification in the field
antara lain legal auditor, notaris, dan/atau ahli kontrak of law, including legal auditor, notary, and/or
yang diterbitkan oleh lembaga domestik maupun contract expert, issued by a recognized domestic or
lembaga internasional yang diakui; international institution;
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Tata Kelola Perusahaan
Corporate Governance
2. Memiliki sertifikat kompetensi di bidang perbankan, 2. Possess a competency certification in the field of
antara lain manajemen risiko sebagaimana banking, including risk management as applicable
yang berlaku bagi Dewan Komisaris, kepatuhan, to members of the Board of Commissioners,
akuntan publik, akuntan, general banking, wealth compliance, public accounting, accounting, general
management, perencanaan strategis, teknologi banking, wealth management, strategic planning,
informasi, treasuri, audit terkait perbankan, corporate information technology, treasury, banking-related
finance, sistem pembayaran dan pengelolaan uang audit, corporate finance, payment systems and
Rupiah, perlindungan konsumen, dan aspek pasar Rupiah currency management, consumer protection,
modal, yang diterbitkan oleh lembaga domestik and capital market aspects, issued by a recognized
maupun lembaga internasional yang diakui; dan domestic or international institution; and
3. Memiliki pengalaman kerja paling sedikit 5 tahun 3. Possess a minimum of 5 years working experience in
di bidang hukum dan/atau bidang perbankan. the field of law and/or banking.
Komposisi dan Masa Jabatan Composition and Tenure
Komite Audit Bank Capital dibentuk dengan komposisi The Audit Committee of Bank Capital is established
sekurang-kurangnya 3 anggota, terdiri atas seorang with a composition of at least 3 members, consisting
Komisaris Independen sebagai Ketua serta 2 anggota of 1 Independent Commissioner serving as Chairman
independen lainnya. Masa jabatan anggota Komite Audit and 2 other independent members. The term of office
diselaraskan dengan masa jabatan Dewan Komisaris of Audit Committee members is aligned with term
sesuai Anggaran Dasar, dan dapat diperpanjang untuk of office of the Board of Commissioners in line with
1 periode berikutnya. Apabila Ketua yang berasal dari the Articles of Association, and can be extended
Komisaris Independen berhenti sebelum masa tugas for 1 subsequent term. If the Chairman, who is also
berakhir, posisinya akan digantikan oleh Komisaris the Independent Commissioner, resigns prior to
Independen lain. the end of the term of office, the position shall be filled
by another Independent Commissioner.
Pada tahun 2025, susunan keanggotaan Komite Audit In 2025, the membership composition of the Audit
Bank Capital berdasarkan Surat Keputusan Direksi Committee of Bank Capital, based on the Board of
Nomor SK/DIR/103/VIII/2025 tanggal 29 Agustus 2025 Directors’ Decree Number SK/DIR/103/VII/2025 dated
(2025-sekarang), sebagai berikut: 29 August 2025 (2025-now), is as follows:
Nama Jabatan Keahlian Jabatan di Bank Capital
Name Position Skills Position in Bank Capital
Ketua Ekonomi dan Perbankan Komisaris Independen
Peter Kurniawan
Chairman Economics and Banking Independent Commissioner
Anggota Ekonomi dan Audit Pihak Independen
Yuliani Kadarisman
Member Economics and Auditing Independent Party
Anggota Akuntansi dan Perbankan Pihak Independen
Dody Krisherdadi
Member Accounting and Banking Independent Party
2025 Annual Report | PT Bank Capital Indonesia Tbk 207
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Profil
Profile
Peter Kurniawan
Ketua
Chairman
Diangkat kembali sebagai Ketua Komite Audit Bank Capital Reappointed as Chairman of the Audit Committee of Bank
berdasarkan Surat Keputusan Direksi Nomor SK/DIR/103/VIII/2025 Capital based on the Board of Directors’ Decree Number
tanggal 29 Agustus 2025 tentang Susunan Kenggotaan Komite SK/DIR/103/VIII/2025 dated 29 August 2025 concerning
Audit (2025–sekarang). the Composition of the Audit Committee (2025–present).
Profil lengkap Ketua Komite Audit dapat dilihat pada bagian Profil Dewan Komisaris.
Complete profile of the Chairman of the Audit Committee is available in the Profile of the Board of Commissioners section.
Yuliani Kadarisman
Anggota
Member
Warga negara Indonesia, berusia 57 tahun dan berdomisili Indonesian citizen, 57 years old, and domiciled in Jakarta.
di Jakarta. Diangkat kembali sebagai Anggota Komite Audit Reappointed as a Member of the Audit Committee in
pada tahun 2022 berdasarkan Surat Keputusan Direksi 2022 based on the Board of Directors’ Decree Number
Nomor SK/DIR/103/VIII/2025 tanggal 29 Agustus 2025 tentang SK/DIR/103/VIII/2025 dated 29 August 2025 concerning
Susunan Keanggotaan Komite Audit (2025–sekarang). the Composition of the Audit Committee (2025–present).
Meraih gelar Sarjana Ekonomi Pertanian dan Sumber Daya dari She earned a Bachelor’s degree in Agricultural and Resource
Institut Pertanian Bogor pada tahun 1991. Selain itu, beliau telah Economics from Institut Pertanian Bogor in 1991. In addition, she has
mendapatkan sertifikasi, yaitu Sertifikasi Manajemen Risiko dari obtained Risk Management Certification from Risk Management
Badan Sertifikasi Manajemen Risiko (2008), Sertifikasi Manajemen Certification Agency (2008), Risk Management Certification from
Risiko dari Lembaga Sertifikasi Profesional Perbankan (2014), Banking Professional Certification Institute (2014), Certification
Sertifikasi Bidang Audit dari Lembaga Sertifikasi Profesional in Audit from Banking Professional Certification Institute (2015),
Perbankan (2015), Sertifikasi Manajemen Risiko dari Badan Risk Management Certification from Risk Management Certification
Sertifikasi Manajemen Risiko (2022), dan Sertifikasi Manajemen Agency (2022), and Risk Management Certification from Banking
Risiko dari Lembaga Sertifikasi Profesional Perbankan (2023). Professional Certification Institute (2023).
Sebelumnya, beliau menjabat sebagai Audit Officer Staff Previously, she served as Audit Officer Staff of PT Bank Dagang
PT Bank Dagang Nasional Indonesia (1992–1998), Audit Officer Nasional Indonesia (1992–1998), Audit Officer Staff of Indonesian
Staff Tim Penyelesaian Badan Penyehatan Perbankan Nasional Bank Restructuring Agency Settlement Team (1998–1999),
(1998–1999), Supervisor PT Panen Lestari Indonesia (1999–2001), Supervisor of PT Panen Lestari Indonesia (1999–2001), Senior
Senior Auditor/Team Leader di beberapa perusahaan yaitu Auditor/Team Leader in several companies namely PT Bank CIC
PT Bank CIC (2004–2006), PT Bank Century (2007–2008), dan (2004–2006), PT Bank Century (2007–2008), and PT Bank
PT Bank Mutiara Tbk (2009–2012). Selanjutnya beliau menjabat Mutiara Tbk (2009–2012). Furthermore, she served as Head of
sebagai Kepala SKAI PT Bank Dinar Indonesia Tbk (2013–2019) SKAI of PT Bank Dinar Indonesia Tbk (2013–2019) and Head of
dan Kepala Departemen SKAI PT Bank Oke Indonesia Tbk SKAI Department of PT Bank Oke Indonesia Tbk (2020–2022).
(2020-2022).
Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan She has no affiliation with members of the Board of Commissioners,
Komisaris, anggota Direksi, serta Pemegang Saham Utama dan members of the Board of Directors, and Main and Controlling
Pengendali. Shareholders.
Dody Krisherdadi
Anggota
Member
Indonesian citizen, 56 years old, and domiciled in Jakarta.
Warga negara Indonesia, berusia 56 tahun dan berdomisili
Reappointed as a Member of the Audit Committee in
di Jakarta. Diangkat kembali sebagai Anggota Komite Audit
2022 based on the Board of Directors’ Decree Number
pada tahun 2022 berdasarkan Surat Keputusan Direksi
SK/DIR/103/VIII/2025 dated 29 August 2025 concerning Change
Nomor SK/DIR/103/VIII/2025 tanggal 29 Agustus 2025 tentang
in Membership Composition the Composition of the Audit
Susunan Keanggotaan Komite Audit (2025–sekarang).
Committee (2025–present).
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Tata Kelola Perusahaan
Corporate Governance
Dody Krisherdadi
Anggota
Member
Meraih gelar Sarjana Ekonomi Akuntansi dari Sekolah Tinggi He earned his Bachelor of Economics degree in Accounting
Ilmu Ekonomi Perbanas pada tahun 1993. Selain itu, beliau telah from Sekolah Tinggi Ilmu Ekonomi Perbanas in 1993. In addition,
mendapatkan sertifikasi, yaitu Sertifikasi Manajemen Risiko he has obtained Banking Risk Management Certification Level 1
Perbankan Level 1 dari Badan Sertifikasi Manajemen Risiko Global from Global Association of Risk Professional Risk Management
Association of Risk Professional (2008), Sertifikasi Manajemen Certification Agency (2008), Banking Risk Management
Risiko Perbankan Level 2 dari Lembaga Sertifikasi Profesional Certification Level 2 from Banking Professional Certification
Perbankan (2013), Sertifikasi Audit Intern Perbankan Level Auditor Institute (2013), Banking Internal Audit Certification Auditor
dari Lembaga Sertifikasi Profesional Perbankan (2014), Sertifikasi Level from Banking Professional Certification Institute (2014),
Manajemen Risiko Perbankan Level 1 dari Badan Sertifikasi Banking Risk Management Certification Level 1 from Global
Manajemen Risiko Global Association of Risk Professional Association of Risk Professional Risk Management Certification
(2023), dan Sertifikasi Manajemen Risiko Perbankan Level 2 dari Agency (2023), and Banking Risk Management Certification Level
Badan Sertifikasi Manajemen Risiko Global Association of Risk 2 from Global Association of Risk Professional Risk Management
Professional (2023). Certification Agency (2023).
Sebelumnya, beliau menjabat sebagai Junior Audit program Previously, he served as Junior Audit of Vacationer Program
Vacationer Program Kantor Akuntan Publik Hanadi Sudjendro of Public Accounting Firm Hanadi Sudjendro & Rekan
& Rekan (member KPMG) (1994), Auditor Bank Century (member firm of KPMG) (1994), Auditor of Bank Century
(1994-2009), Senior Auditor Bank Century (2009-2012), Kepala (1994-2009), Senior Auditor of Bank Century (2009-2012), Head
Departemen Bank Century (2012-2015), Kepala Departemen of Department of Bank Century (2012-2015), Head of Department
PT Bank Mutiara Tbk (2015-2016), Kepala Departemen PT Bank of PT Bank Mutiara Tbk (2015-2016), Head of Department of
JTrust Indonesia Tbk (2016-2017), dan Internal Audit PT Telkom PT Bank JTrust Indonesia Tbk (2016-2017) and Internal Audit of
Satelit (2017-2025). Saat ini, beliau tidak memiliki merangkap PT Telkom Satelit (2017-2025). Currently, he held no concurrent
jabatan. position.
Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He has no affiliation with members of the Board of Commissioners,
Komisaris, anggota Direksi, serta Pemegang Saham Utama dan members of the Board of Directors, and Main and Controlling
Pengendali. Shareholders.
Pernyataan Independensi Statement of Independence
Komite Audit Bank Capital menjalankan tugasnya dengan The Audit Committee of Bank Capital carries out its
menjunjung tinggi prinsip independensi, objektivitas, duties by upholding the principles of independence,
dan kehati-hatian. Setiap anggota berkomitmen objectivity, and prudence. Each member is committed
menjaga integritas dengan memastikan bebas dari to maintain integrity by ensuring there is no conflicts
benturan kepentingan, baik dengan organ pengurus of interest, whether with Bank’s management organs
Bank maupun Pemegang Saham. Independensi ini or Shareholders. This independence is shown through
diwujudkan melalui pemenuhan ketentuan yang compliance with provisions prohibiting any financial,
melarang adanya keterkaitan keuangan, kepengurusan, managerial, or affiliation relationships with the Board
atau afiliasi dengan Dewan Komisaris, Direksi, Entitas of Commissioners, Board of Directors, Subsidiaries,
Anak, maupun perusahaan terkait. Selain itu, anggota or affiliated companies. Further, Audit Committee
Komite Audit tidak memiliki hubungan keluarga dengan members do not have familial relationships with
organ pengurus Bank, serta tidak merangkap jabatan the Bank’s management organs and hold no concurrent
sebagai pengurus partai politik, pejabat publik, atau positions as political party officials, public officials, or
aparatur pemerintahan. government employees.
Tugas dan Tanggung Jawab Duties and Responsibilities
Komite Audit telah melakukan tindakan sebagaimana The Audit Committee has taken its duties as stipulated
dimaksud dalam Peraturan Otoritas Jasa Keuangan in the Financial Services Authority Regulation
Nomor 9 Tahun 2023 tentang Penggunaan Jasa Akuntan Number 9 of 2023 concerning the Use of Public
Publik dan Kantor Akuntan Publik dalam Kegiatan Jasa Accountant Services and Public Accounting Firms
keuangan dan Surat Edaran Otoritas Jasa Keuangan in Financial Services Activities and the Circular of
Republik Indonesia Nomor 18/SEOJK.03/2023 tentang the Financial Services Authority of the Republic of
Tata Cara Penggunaan Jasa Akuntan Publik dan Kantor Indonesia Number 18/SEOJK.03/2023 concerning
Akuntan Publik dalam Kegiatan Jasa Keuangan, terkait the Procedures for the Use of Public Accountant Services
dengan penyusunan dan penerbitan Laporan Keuangan and Public Accounting Firms in Financial Services
Tahunan per 31 Desember 2025 dan Laporan Tahunan Activities, related to the preparation and issuance of
2025. Dalam pelaksanaan tugas tersebut, Komite Audit the Annual Financial Statements as of 31 December
telah melaksanakan pengkajian terhadap Laporan 2025 and the 2025 Annual Report. In carrying out these
2025 Annual Report | PT Bank Capital Indonesia Tbk 209
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Keuangan, melakukan pembahasan dengan manajemen, duties, the Audit Committee has reviewed the Financial
serta berkomunikasi dengan akuntan publik yang Statements, held discussions with the management, and
ditunjuk untuk audit Laporan Keuangan Tahunan 2025. communicated with the public accountant appointed to
Sebagai bagian dari proses tersebut, Komite Audit telah audit the 2025 Annual Financial Statements. As a part
menyelenggarakan rapat internal serta rapat dengan of this process, the Audit Committee has held internal
akuntan publik dan pihak terkait lainnya. meetings and meetings with the public accountant and
other related parties.
Adapun tugas dan tanggung jawab Komite Audit The duties and responsibilities of the Audit Committee
meliputi hal-hal berikut: are as follows:
1. Menelaah informasi keuangan yang akan diterbitkan 1. Reviewing the financial information to be issued by
oleh Bank; the Bank;
2. Menelaah kepatuhan Bank terhadap peraturan dan 2. Reviewing the Bank’s compliance with the applicable
perundang-undangan yang berlaku; laws and regulations;
3. Memberikan rekomendasi terkait penunjukan 3. Providing recommendations regarding appointment
akuntan publik dan kantor akuntan publik kepada of public accountant and public accounting firm to
Dewan Komisaris, dengan mempertimbangkan: the Board of Commissioners, by considering:
a. Independensi dan keahlian akuntan publik; a. Independence and expertise of the public
accountant;
b. Ruang lingkup audit sesuai ketentuan, mencakup b. Scope of audit in accordance with regulations,
penilaian aset, sistem informasi keuangan, dan including asset assessment, financial information
kepatuhan manajemen; dan system, and managerial compliance; and
c. Evaluasi hasil audit sebelumnya serta potensi c. Evaluation of previous audit results as well as
risiko penggunaan jasa audit yang berulang. the risk potential of repeatedly using the same
audit services.
4. Mengawasi proses penunjukan akuntan publik dan 4. Supervising the appointment process of public
kantor akuntan publik; accountant and public accounting firm;
5. Memastikan penggunaan jasa audit sesuai ketentuan; 5. Ensuring that audit services is used in line with
regulations;
6. Mengevaluasi pelaksanaan audit atas informasi 6. Evaluating the audit performed on the annual
keuangan historis tahunan; historical financial information;
7. Menyampaikan hasil evaluasi kepada Otoritas Jasa 7. Submitting evaluation results to Financial Services
Keuangan dalam waktu tertentu; Authority within a specified time;
8. Menelaah pengaduan terkait akuntansi, keuangan, 8. Reviewing complaints related to corporate
dan risiko manajemen Perusahaan; accounting, financial, and risk management;
9. Memberikan saran kepada Dewan Komisaris 9. Providing advice to the Board of Commissioners on
mengenai konflik kepentingan dan efektivitas conflicts of interest and effectiveness of follow-up
tindakan lanjut; actions;
10. Memberikan rekomendasi untuk pengangkatan, 10. Providing recommendations for appointment,
pemberhentian, dan evaluasi kinerja pihak terkait dismissal, and performance evaluation of the relevant
(SKAI, akuntan publik, dan kantor akuntan publik); parties (SKAI, public accountant, and public
accounting firm);
11. Mengevaluasi kinerja audit internal dan eksternal, 11. Evaluating the performance of internal and external
termasuk pemutakhiran piagam audit internal; dan audits, as well as updating the internal audit charter;
and
12. Menjaga kerahasiaan dokumen, data, dan informasi 12. Maintaining the confidentiality of the Bank’s
Bank. documents, data, and information.
Komite Audit juga mempunyai wewenang sebagaimana The Audit Committee also holds the authority
diatur dalam Pasal 11 Peraturan Otoritas Jasa Keuangan as stipulated in Article 11 of Financial Services
Nomor 55/POJK.04/2015 tentang Pembentukan dan Authority Regulation Number 55/POJK.04/2015 on
Pedoman Pelaksanaan Kerja Komite Audit, di antaranya: the Establishment and Implementation Guidelines of
the Audit Committee, including but not limited to:
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Tata Kelola Perusahaan
Corporate Governance
1. Mengakses dokumen, data, dan informasi Bank 1. Accessing Bank’s documents, data, and information
tentang karyawan, dana, aset, dan sumber daya Bank on employees, funds, assets, and required Bank
yang diperlukan; resources;
2. Berkomunikasi langsung dengan karyawan, termasuk 2. Communicating directly with employees, including
Direksi dan pihak yang menjalankan fungsi audit Board of Directors and any party carrying out
internal, manajemen risiko, dan akuntan terkait tugas the functions of internal audit, risk management,
dan tanggung jawab Komite Audit; and accountant in relation to the duties and
responsibilities of the Audit Committee;
3. Melibatkan pihak independen di luar anggota Komite 3. Involving independent parties other than Audit
Audit yang diperlukan untuk membantu pelaksanaan Committee member as necessary to assist in
tugasnya (jika diperlukan); dan the execution of its duties (if necessary); and
4. Melakukan kewenangan lain yang diberikan oleh 4. Exercising other authorities as granted by the Board
Dewan Komisaris. of Commissioners.
Dalam menjalankan wewenangnya, Komite Audit tidak In exercising its authority, the Audit Committee faced
mengalami kendala atau pembatasan, sehingga dapat no issue or limitation, allowing it to perform its duties
menjalankan tugasnya secara optimal. Namun, jika di optimally. However, should there be any future issue
masa mendatang terdapat kendala atau hambatan yang or obstacle hindering it from exercising its authority,
menghalangi pelaksanaan wewenangnya, Komite Audit the Audit Committee will promptly report it to the Board
akan segera melaporkannya kepada Dewan Komisaris of Commissioners and coordinate to seek an appropriate
dan berkoordinasi untuk mencari solusi yang tepat. solution. Thus, the Committee ensures that its duties
Dengan demikian, Komite memastikan bahwa tugas and responsibilities can still be exercised effectively, in
dan tanggung jawabnya tetap dapat dijalankan secara line with the GCG principles.
efektif, sesuai dengan prinsip GCG.
Rapat Meetings
Dalam melaksanakan fungsinya, Komite Audit In carrying out its functions, the Audit Committee holds
menyelenggarakan rapat secara berkala paling sedikit meetings on a regular basis, at least once a month,
1 kali setiap bulan, baik melalui pertemuan tatap muka either in-person or through online media. A meeting is
maupun media daring. Rapat dinyatakan sah apabila considered valid if attended by a minimum of 51% of
dihadiri oleh minimal 51% anggota, termasuk kehadiran the members, including the presence of 1 Independent
1 Komisaris Independen dan 1 pihak independen. Commissioner and 1 independent party. Meeting
Keputusan rapat diambil dengan mengedepankan decisions are made by prioritizing consensus, or by
musyawarah untuk mufakat, atau melalui pemungutan majority vote if a consensus cannot be reached. All
suara terbanyak apabila konsensus tidak tercapai. Seluruh discussion results, including any disagreement are stated
hasil pembahasan, termasuk perbedaan pendapat, in the meeting minutes, which are fully documented and
dituangkan dalam risalah rapat yang didokumentasikan reported to the Board of Commissioners as a form of
secara lengkap serta dilaporkan kepada Dewan Komisaris accountability.
sebagai bentuk akuntabilitas.
Tingkat kehadiran anggota Komite Audit selama tahun The attendance rate of Audit Committee members
2025 sebagai berikut: throughout 2025 is shown below:
Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance Rate
Name Position Total Meetings Total Attendance
(%)
Ketua
Peter Kurniawan 13 13 100,00
Chairman
Anggota
Yuliani Kadarisman 13 13 100,00
Member
Anggota
Dody Krisherdadi 13 13 100,00
Member
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Laporan Singkat Pelaksanaan Kegiatan Brief Report on 2025 Activity Implementation
Tahun 2025
Sepanjang tahun 2025, Komite Audit telah menjalankan Throughout 2025, the Audit Committee has carried out
fungsi pengawasan sesuai mandat yang diberikan, its supervisory function in accordance with the mandate
dengan ruang lingkup pelaksanaan tugas dan tanggung provided, with the scope of duties and responsibilities
jawab sebagaimana diuraikan berikut: as outlined as follows:
1. Melakukan pembahasan temuan-temuan hasil 1. Discussing the findings from audits conducted
Audit Internal dan eksternal serta tindak lanjut by Internal Audit and external audit, as well as
perbaikannya; the corrective actions;
2. Melakukan evaluasi kinerja SKAI; dan 2. Evaluating the performance of SKAI; and
3. Memberikan rekomendasi terkait penunjukan 3. Giving recommendations on the appointment of
akuntan publik dan kantor akuntan publik dan public accountant and public accounting firm and
mengevaluasi pelaksanaan auditnya. evaluating the audit implementation.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Pada tahun 2025, anggota Komite Audit mengikuti In 2025, members of the Audit Committee participated
program pengembangan kompetensi guna memperkuat in competency development programs to strengthen
kapasitas dalam tata kelola, audit, manajemen risiko, the capacity in governance, audit, risk management, and
dan kepatuhan terhadap regulasi. Rincian pelaksanaan regulatory compliance. The details of these activities are
kegiatan tersebut diungkapkan sebagai berikut: disclosed as follows:
Kehadiran
Materi Pelatihan Attendance
Training Topic
Peter Kurniawan Yuliani Kadarisman Dody Krisherdadi
Strategi Mitigasi Risiko Pencucian Uang di Bank Menghadapi
Tipologi Baru Tindak Pidana Pencucian Uang dan Praktik
Suap Terkini
Risk Mitigation Strategy for Money Laundering in Banks to
Address Emerging Typologies of Money Laundering and
Recent Bribery Practices
Refreshment Sertifikasi Manajemen Risiko Jenjang 6
-
Refreshment on Level 6 Risk Management Certification
Leadership Excellence: Leading with Influence and Impact - -
Growing Together Reaching Higher -
Refreshment Sertifikasi Manajemen Risiko Jenjang 5
- -
Refreshment on Level 5 Risk Management Certification
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko berperan sebagai perangkat The Risk Monitoring Committee is the supporting body
pendukung Dewan Komisaris yang berfungsi of Board of Commissioners, functions to supervise and
memberikan pengawasan dan penilaian atas kebijakan assess policies and the risk management implementation,
serta implementasi manajemen risiko, guna memastikan to ensure that the Bank’s risk management is running
pengelolaan risiko Bank berjalan efektif, terukur, dan effectively, measurably, and in accordance with GCG
sesuai dengan prinsip GCG. principles.
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Tata Kelola Perusahaan
Corporate Governance
Pedoman Kerja Work Guidelines
Pelaksanaan tugas dan tanggung jawab Komite Pemantau The implementation of duties and responsibilities of
Risiko berlandaskan ketentuan yang ditetapkan dalam the Risk Monitoring Committee are based on
Surat Keputusan Direksi Nomor SK/DIR/102/VIII/2025 the provisions set forth in Board of Directors’ Decree
tanggal 29 Agustus 2025 tentang Perubahan Susunan Number SK/DIR/102/VII/2025 dated 29 August 2025
Keanggotaan Komite Pemantau Risiko. regarding Changes in the Membership Composition of
the Risk Monitoring Committee.
Persyaratan Keanggotaan Membership Requirements
Komite Pemantau Risiko paling sedikit terdiri atas The Risk Monitoring Committee consists of at least 1
seorang Komisaris Independen yang merangkap sebagai Independent Commissioner concurrently serving as
ketua, 1 orang pihak independen yang memiliki keahlian Chairman, 1 independent party with risk management
bidang manajemen risiko serta 1 orang dari pihak skills, and 1 independent party with finance skills.
independen yang memiliki keahlian di bidang keuangan.
Anggota Komite Pemantau Risiko yang berasal dari Member of the Risk Monitoring Committee from
pihak independen dinilai memiliki keahlian di bidang an independent party is deemed to possess risk
manajemen risiko dalam hal memenuhi kriteria: management skills upon meeting the following criteria:
1. Memiliki sertifikat kompetensi di bidang manajemen 1. Hold a competency certificate in risk management
risiko yang diterbitkan oleh lembaga domestik issued by a recognized domestic or international
maupun lembaga internasional yang diakui institution as applicable for the Board of Directors;
sebagaimana yang berlaku bagi Direksi; dan and
2. Memiliki pengalaman kerja paling sedikit 2 tahun 2. Have at least 2 years of working experiences in risk
di bidang manajemen risiko. management.
Anggota Komite Pemantau Risiko yang berasal dari pihak Member of the Risk Monitoring Committee from
independen dinilai memiliki keahlian di bidang keuangan an independent party is deemed to possess finance
dalam hal memenuhi kriteria: skills upon meeting the following criteria:
1. Memiliki sertifikat kompetensi di bidang antara lain 1. Hold a competency certificate in public accountant,
akuntan publik, akuntan, treasuri, dan corporate accountant, treasury, and corporate finance issued
finance yang diterbitkan oleh lembaga domestik by a recognized domestic or international institution;
maupun lembaga internasional yang diakui; dan and
2. Memiliki pengalaman kerja paling sedikit 5 tahun 2. Have at least 5 years of working experiences in
di bidang ekonomi, bidang keuangan, dan/atau the economic, finance, and/or banking sector.
bidang perbankan.
Komposisi dan Masa Jabatan Composition and Tenure
Komite Pemantau Risiko beranggotakan sekurang- Risk Monitoring Committee consists of at least
kurangnya 1 Komisaris Independen sebagai Ketua 1 Independent Commissioner serving as Chairman and
dan 2 pihak independen yang memiliki keahlian 2 independent parties with expertise in risk management
di bidang manajemen risiko serta keuangan, yang and finance, proven with competency certifications.
dibuktikan melalui sertifikasi kompetensi. Masa jabatan The term of office of members is set out by Board
anggota ditetapkan oleh Dewan Komisaris dengan of Commissioners, by considering organizational
mempertimbangkan kebutuhan organisasi dan dapat needs, and may be adjusted periodically to maintain
disesuaikan secara berkala untuk menjaga efektivitas the effectiveness of supervisory function.
pelaksanaan fungsi pengawasan.
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Pada tahun 2025, susunan keanggotaan Komite In 2025, membership composition of the Risk
Pemantau Risiko Bank Capital ditetapkan berdasarkan Monitoring Committee of Bank Capital was
Surat Keputusan Direksi Nomor SK/DIR/102/VIII/2025 established based on the Board of Directors Decree
tentang Susunan tanggal 29 Agustus 2025 tentang Number SK/DIR/102/VIII/2025 dated 29 August
Keanggotaan Komite Pemantau Risiko (2025-sekarang), 2025 on the Composition of Membership of the Risk
dengan komposisi sebagai berikut: Monitoring Committee (2025-now), with composition
as follows:
Nama Jabatan Keahlian Jabatan di Bank Capital
Name Position Skills Position in Bank Capital
Perbankan, Hukum, dan
Ketua Komisaris Independen
Andrey Jayanto Pemasaran
Chairman Independent Commissioner
Banking, Legal, and Marketing
Anggota Ekonomi dan Audit Pihak Independen
Yuliani Kadarisman
Member Economics and Auditing Independent Party
Anggota Perbankan Pihak Independen
Edi Supriyadi
Member Banking Independent Party
Profil
Profile
Andrey Jayanto
Ketua
Chairman
Diangkat sebagai Ketua Komite Pemantau Risiko Bank Capital Appointed as Chairman of Risk Monitoring Committee
berdasarkan Surat Keputusan Direksi Nomor SK/DIR/102/VIII/2025 of Bank Capital based on Board of Directors’ Decree
Tentang Susunan tanggal 29 Agustus 2025 tentang Keanggotaan Number SK/DIR/102/VII/2025 dated 29 August 2025 on
Komite Pemantau Risiko (2025–sekarang). the Membership of the Risk Monitoring Committee (2025–now).
Profil lengkap Ketua Komite Pemantau Risiko dapat dilihat pada bagian Profil Dewan Komisaris.
Complete profile of the Chairman of the Risk Monitoring Committee is available in the Profile of the Board of Commissioners section.
Yuliani Kadarisman
Anggota
Member
Diangkat sebagai Anggota Komite Pemantau Risiko Bank Capital Appointed as Chairman of Risk Monitoring Committee
berdasarkan Surat Keputusan Direksi Nomor SK/DIR/102/VIII/2025 of Bank Capital based on Board of Directors’ Decree
Tentang Susunan tanggal 29 Agustus 2025 tentang Keanggotaan Number SK/DIR/102/VII/2025 dated 29 August 2025 on
Komite Pemantau Risiko (2025–sekarang). the membership of the Risk Monitoring Committee (2025–now).
Profil lengkap Anggota Komite Pemantau Risiko dapat dilihat pada bagian Profil Komite Audit.
Complete profile of the Member of the Risk Monitoring Committee is available in the Profile of the Audit Committee section.
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Tata Kelola Perusahaan
Corporate Governance
Edi Supriyadi
Anggota
Member
Warga negara Indonesia, berusia 59 tahun dan berdomisili Indonesian citizen, 59 years old, and domiciled in Jakarta.
di Jakarta. Diangkat sebagai anggota Komite Pemantau Appointed as Member of Risk Monitoring Committee
Risiko pada tahun 2023 berdasarkan Surat Keputusan Direksi of Bank Capital based on Board of Directors’ Decree
Nomor SK/DIR/102/VIII/2025 Tentang Susunan tanggal Number SK/DIR/102/VII/2025 dated 29 August 2025 on
29 Agustus 2025 tentang Keanggotaan Komite Pemantau Risiko the membership of the Risk Monitoring Committee (2025–now).
(2025–sekarang).
Meraih gelar Sarjana dari Sekolah Tinggi Manajemen Informatika Earned his Bachelor’s degree from Sekolah Tinggi Manajemen
dan Komputer Budi Luhur pada tahun 1993. Selanjutnya, meraih Informatika dan Komputer Budi Luhur in 1993. Furthermore, he
gelar Magister dari Sekolah Tinggi Ilmu Ekonomi IPWI pada tahun earned a Master’s degree from Sekolah Tinggi Ilmu Ekonomi IPWI
1997. Selain itu, beliau telah mendapatkan sertifikasi, yaitu Sertifikasi in 1997. In addition, he has obtained Level 3 Risk Management
Manajemen Risiko Level 3 dari Badan Sertifikasi Manajemen Risiko Certification from Risk Management Certification Agency (2010)
(2010) dan Sertifikasi General Banking 3 dari Lembaga Sertifikasi and General Banking Certification 3 from Banking Professional
Profesional Perbankan (2015). Certification Institute (2015).
Sebelumnya, beliau menjabat di PT Bank DKI sebagai Kepala Divisi Previously, he served at PT Bank DKI as Head of Business
Komunikasi Bisnis (2021–2022) dan Kepala Divisi Kebijakan Bisnis Communication Division (2021–2022) and Head of Business Policy
(2022). Saat ini, beliau tidak memiliki rangkap jabatan. Division (2022). Presently, he has no concurrent positions.
Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He has no affiliation with members of the Board of Commissioners,
Komisaris, anggota Direksi, serta Pemegang Saham Utama dan members of the Board of Directors, and Main and Controlling
Pengendali. Shareholders.
Pengungkapan Independensi Independency Disclosure
Komite Pemantau Risiko Bank Capital menjunjung tinggi The Risk Monitoring Committee of Bank Capital upholds
prinsip independensi dengan memastikan anggotanya the independence principle by ensuring its members
tidak merangkap jabatan sebagai Komisaris, Direksi, not holding concurrent positions as Commissioners,
maupun Pejabat Eksekutif di bank atau entitas lain, Directors, or Executive Officers in other Banks or entities,
kecuali sebagaimana diatur dalam Peraturan Otoritas except as permitted in Financial Services Authority
Jasa Keuangan Nomor 17 Tahun 2023 tentang Tata Regulation Number 17 of 2023 concerning Corporate
Kelola Bank Umum. Untuk menghindari potensi benturan Governance of Commercial Banks. To prevent potential
kepentingan, seluruh anggota juga dipastikan tidak conflicts of interest, all members are having no familial
memiliki hubungan keluarga sampai dengan derajat relationships up to the second degree with the Board of
kedua dengan Dewan Komisaris maupun Direksi. Commissioners or the Board of Directors.
Tugas dan Tanggung Jawab Duties and Responsibilities
Komite Pemantau Risiko mendukung Dewan Komisaris The Risk Monitoring Committee supports
dengan menyampaikan rekomendasi strategis yang the Board of Commissioners by provision of strategic
dihasilkan dari pelaksanaan tugas utamanya, yang recommendations from the implementation of its main
diuraikan sebagai berikut: duties, as outlined below:
1. Evaluasi tentang kesesuaian antara kebijakan 1. Evaluating alignment between risk management
manajemen risiko dengan pelaksanaan kebijakan policies and their implementation;
tersebut;
2. Pemantauan dan evaluasi pelaksanaan tugas Komite 2. Monitoring and evaluating the execution of duties
Manajemen Risiko dan Satuan Kerja Manajemen by the Risk Management Committee and Risk
Risiko; dan Management Unit; and
3. Lain-lain yang berkaitan dengan pengembangan 3. Other tasks related to the development of the Bank’s
manajemen risiko Bank. risk management.
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Rapat Meetings
Komite Pemantau Risiko mengadakan rapat secara The Risk Monitoring Committee held regular meetings
berkala sekurang-kurangnya 1 kali dalam sebulan atau at least once a month or as needed by the Bank.
sesuai kebutuhan Bank. Keputusan rapat diutamakan Meeting decision is primarily made with consensus,
melalui musyawarah mufakat, dan apabila tidak and if it cannot be reached, by decision will be made
tercapai, ditetapkan berdasarkan suara terbanyak. through majority vote. All meeting results are stated in
Seluruh hasil rapat wajib dituangkan dalam risalah yang documented minutes in line with provisions of the laws
terdokumentasi sesuai ketentuan peraturan perundang- and regulations, including clear documentation of any
undangan, termasuk pencantuman secara jelas atas disagreement and the reasons.
setiap perbedaan pendapat beserta alasannya.
Adapun tingkat partisipasi anggota Komite Pemantau The participation level of Risk Monitoring Committee
Risiko dalam rapat sepanjang tahun 2025 ditunjukkan members in meetings throughout 2025 is shown below:
sebagai berikut:
Tingkat
Jumlah
Nama Jabatan Jumlah Rapat Kehadiran
Kehadiran
Name Position Total Meetings Attendance Rate
Total Attendance
(%)
Ketua
Andrey Jayanto 12 12 100,00
Chairman
Anggota
Yuliani Kadarisman 12 12 100,00
Member
Anggota
Edi Supriyadi 12 12 100,00
Member
Laporan Singkat Pelaksanaan Kegiatan Brief Report on Activity Implementation in 2025
Tahun 2025
Selama tahun 2025, Komite Pemantau Risiko secara Throughout 2025, the Risk Monitoring Committee
konsisten telah melaksanakan kegiatan melalui consistently carried out its activities by holding monthly
penyelenggaraan rapat rutin setiap bulan untuk meetings to perform its monitoring and evaluation
menjalankan tugas pengawasan dan evaluasi atas duties on the implementation of risk management within
penerapan manajemen risiko di lingkungan Bank. Selain the Bank. In addition, the Risk Monitoring Committee
itu, Komite Pemantau Risiko juga melaksanakan kegiatan also carried out the following activities:
berikut:
1. Melakukan pemantauan dan evaluasi pengelolaan 1. Monitoring and evaluation of risk management
manajemen risiko dan memberikan rekomendasi guna and provided recommendations to improve
peningkatan efektivitas pelaksanaan manajemen the effectiveness of risk management
risiko; implementation;
2. Melakukan pemantauan dan evaluasi profil risiko 2. Periodic monitoring and evaluation of the risk profile;
secara berkala; dan and
3. Memberikan masukan atas kondisi yang berpotensi 3. Provided input over conditions that may potentially
mengganggu kelangsungan usaha Bank. disrupt the Bank’s business continuity.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Pada tahun 2025, anggota Komite Pemantau Risiko In 2025, members of the Risk Monitoring Committee
telah berpartisipasi aktif dalam program pengembangan have actively participated in competency development
kompetensi yang dirancang untuk memperkuat programs designed to strengthen their understandings
pemahaman dan keterampilan dalam pengawasan serta and skills in supervision as well as risk management
evaluasi manajemen risiko. Rincian kegiatan pelatihan evaluation. Details of these training and competency
dan pengembangan kompetensi tersebut diungkapkan development activities are presented as follows:
sebagai berikut:
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Tata Kelola Perusahaan
Corporate Governance
Kehadiran
Attendance
Materi Pelatihan
Training Topic
Yuliani
Andrey Jayanto Edi Supriyadi
Kadarisman
Strategi Mitigasi Risiko Pencucian Uang di Bank Menghadapi Tipologi Baru
Tindak Pidana Pencucian Uang dan Praktik Suap Terkini
Risk Mitigation Strategy for Money Laundering in Banks To Address
Emerging Typologies of Money Laundering and Recent Bribery Practices
Refreshment Sertifikasi Manajemen Risiko Jenjang 6
- -
Refreshment on Level 6 Risk Management Certification
Leadership Excellence: Leading with Influence and Impact - -
Growing Together Reaching Higher -
Refreshment Sertifikasi Manajemen Risiko Jenjang 5
-
Refreshment on Level 5 Risk Management Certification
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi merupakan organ The Remuneration and Nomination Committee
pendukung Dewan Komisaris yang berperan dalam is a supporting body of Board of Commissioners,
memberikan arahan dan rekomendasi terkait kebijakan functions to provide guidance and recommendation on
nominasi serta sistem remunerasi bagi Dewan Komisaris nomination policy and remuneration system for Board
dan Direksi, guna memastikan penerapannya sesuai of Commissioners and Board of Directors, to ensure
prinsip GCG. the implementation is in line with GCG principles.
Pedoman Kerja Work Guidelines
Komite Remunerasi dan Nominasi melaksanakan The Remuneration and Nomination Committee carries
tugasnya berlandaskan pada Pedoman dan Tata Tertib out its duties based on the Work Guidelines and Rules
Kerja Dewan Komisaris, Direksi, dan Komite yang of the Board of Commissioners, Board of Directors, and
diperbarui berdasarkan Surat Keputusan Direksi Nomor Committees, updated with Board of Directors’ Decree
SK/DIR/166/XII/2024, serta Peraturan Otoritas Jasa Number SK/DIR/166/XII/2024, and the Financial Services
Keuangan tentang Komite Remunerasi dan Nominasi. Authority Regulation concerning the Remuneration and
Nomination Committee.
Persyaratan Keanggotaan Membership Requirements
Komite Remunerasi dan Nominasi paling sedikit terdiri The Remuneration and Nomination Committee
atas seorang Komisaris Independen yang merangkap consists of at least one Independent Commissioner
sebagai ketua, seorang Komisaris Non-Independen, who concurrently serving as chairman, one
serta seorang Pejabat Eksekutif yang membawahkan Non-Independent Commissioner, and one Executive
fungsi sumber daya manusia atau satu orang perwakilan Officer in charge of human resources function or one
pegawai Bank. Pejabat Eksekutif atau perwakilan representative of the Bank’s employees. The Executive
pegawai yang menjadi anggota Komite Remunerasi dan Officer or employee representative serving as member
Nominasi wajib memiliki pengetahuan dan pemahaman of Remuneration and Nomination Committee is required
yang memadai mengenai sistem remunerasi dan/atau to possess adequate knowledge and understanding of
sistem nominasi serta rencana suksesi (succession plan) the Bank’s remuneration and/or nomination systems as
Bank. well as its succession plan.
Komposisi dan Masa Jabatan Composition and Tenure
Komite Remunerasi dan Nominasi Bank Capital dibentuk The Remuneration and Nomination Committee of
dengan komposisi yang mencerminkan prinsip tata Bank Capital is established with a composition to
kelola dan independensi. Komite ini dipimpin oleh reflect governance and independence principles.
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seorang Komisaris Independen serta beranggotakan The Committee is led by Independent Commissioner
unsur Komisaris dan Pejabat Eksekutif yang membawahi with members from the Board of Commissioners and an
fungsi sumber daya manusia. Struktur keanggotaan Executive Officer of human resources. The membership
disusun untuk memastikan keseimbangan peran antara structure is designed to ensure a balanced role of
pengawasan dan pelaksanaan kebijakan, sekaligus supervision and policy implementation, while preventing
mencegah potensi konflik kepentingan. Masa jabatan potential conflicts of interest. The term of office of
anggota ditetapkan secara fleksibel dan dapat ditinjau members is flexible and can be reviewed as needed, in
kembali sesuai kebutuhan strategis Bank. accordance with the Bank’s strategic needs.
Pada tahun 2025, susunan keanggotaan Komite In 2025, the membership composition of
Remunerasi dan Nominasi telah ditetapkan melalui Surat the Remuneration and Nomination Committee was
Keputusan Direksi Nomor SK/DIR/104/VIII/2025 tanggal established through the Board of Directors Decree
29 Agustus 2025 tentang Susunan Keanggotaan Komite Number SK/DIR/104/VII/2025 dated 29 August 2025
Remunerasi dan Nominasi (2025-sekarang), dengan on the Composition of Membership of the Remuneration
rincian sebagai berikut: and Nomination Committee (2025-now), with following
details:
Nama Jabatan Keahlian Jabatan di Bank Capital
Name Position Skills Position in Bank Capital
Ketua Ekonomi dan Perbankan Komisaris Independen
Peter Kurniawan
Chairman Economics and Banking Independent Commissioner
Anggota Keuangan dan Perbankan Komisaris Utama
Danny Nugroho
Member Finance and Banking President Commissioner
Perbankan, Hukum, dan
Anggota Komisaris Independen
Andrey Jayanto Pemasaran
Member Independent Commissioner
Banking, Legal, and Marketing
Sumber Daya Manusia dan Kepala Divisi Sumber Daya
Anggota
Evlacia Fibriyani W Perbankan Manusia
Member
Human Resources and Banking Head of Human Capital Division
Profil Profile
Profil Komite Remunerasi dan Nominasi Bank dapat Profile of the Remuneration and Nomination Committee
dilihat pada Profil Dewan Komisaris dan Profil Pejabat of the Bank is presented in the Profile of the Board
Eksekutif. of Commissioners and Profile of Executive Officers
sections.
Pernyataan Independensi Statement of Independence
Komite Remunerasi dan Nominasi Bank Capital The Remuneration and Nomination Committee of Bank
melaksanakan tugas dan tanggung jawabnya dengan Capital carries out its duties and responsibilities by
menjunjung tinggi prinsip independensi, profesionalisme, upholding principles of independence, professionalism,
dan objektivitas sesuai ketentuan GCG. Seluruh anggota and objectivity, following GCG provisions. All committee
komite berkomitmen menghindari benturan kepentingan members are committed to avoid conflicts of
serta memastikan setiap rekomendasi disusun secara interest and ensuring every recommendation is
transparan dan berintegritas. Kedudukan anggota prepared transparently and with integrity. Committee
yang berasal dari internal Bank tidak mengurangi members from the Bank’s internal do not diminish
kemandirian dalam pengambilan keputusan, melainkan the independence in decision-making, but rather
semakin memperkuat orientasi untuk mengutamakan strengthen the orientation to prioritize the Bank’s
kepentingan Bank dan keberlanjutan usaha. interests and business continuation.
Tugas dan Tanggung Jawab Duties and Responsibilities
Ruang lingkup tugas dan tanggung jawab Komite The scope of duties and responsibilities of
Remunerasi dan Nominasi diuraikan sebagai berikut: the Remuneration and Nomination Committee is
described as follows:
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Tata Kelola Perusahaan
Corporate Governance
1. Kebijakan Remunerasi: 1. Remuneration Policy:
a. Memberikan rekomendasi kepada Dewan a. Providing recommendations to Board of
Komisaris mengenai: Commissioners regarding:
• Penerapan tata kelola dalam pemberian • Implementation of governance in
remunerasi bagi Bank Umum; remuneration provision for Commercial
Banks;
• Melakukan evaluasi terhadap kebijakan • Evaluation of remuneration policies based
remunerasi yang didasarkan pada kinerja, on the performance, risk, and fairness of
risiko, dan kewajaran dengan peer group, peer group, goals, and long-term strategy of
sasaran dan strategi jangka panjang the bank, fulfillment of reserve according to
Bank, pemenuhan cadangan sesuai dalam the laws and regulations, and potential future
peraturan perundang-undangan dan potensi earnings of the Bank;
pendapatan Bank di masa yang akan datang;
• Menyampaikan hasil evaluasi dan rekomendasi • Providing evaluation results and
kepada Dewan Komisaris mengenai: recommendations to the Board of
Commissioners regarding:
• Kebijakan remunerasi bagi Direksi dan • Remuneration policy for the Board
Dewan Komisaris; of Commissioners and the Board of
Directors;
• Kebijakan remunerasi bagi pegawai; • Remuneration policy for employees;
b. Memastikan bahwa kebijakan remunerasi b. Ensuring that the remuneration policy is in
telah sesuai dengan ketentuan yang berlaku; accordance with the applicable provisions; and
dan
c. Melakukan evaluasi secara berkala terhadap c. Performing periodic evaluation on
penerapan kebijakan remunerasi. the implementation of remuneration policy.
2. Kebijakan Nominasi: 2. Nomination Policy:
a. Menyusun dan memberikan rekomendasi sistem a. Formulating and providing recommendation
serta prosedur pemilihan dan/atau penggantian on system and procedures for selection
anggota Direksi dan anggota Dewan Komisaris and/or replacement of members of the Board
kepada Dewan Komisaris untuk disampaikan of Directors and members of the Board of
kepada RUPS; Commissioners to Board of Commissioners to be
presented to the GMS;
b. Mengidentifikasikan dan memberikan b. Identifying and providing recommendations on
rekomendasi mengenai calon anggota Direksi prospective members of the Board of Directors
dan/atau calon anggota Dewan Komisaris kepada and/or prospective members of the Board of
Dewan Komisaris untuk disampaikan kepada Commissioners to Board of Commissioners to be
RUPS; presented to GMS;
c. Memberikan rekomendasi kepada c. Providing recommendations to Board of
Dewan Komisaris mengenai pihak independen Commissioners on independent parties
yang akan menjadi anggota Komite Audit serta nominated as members of the Audit Committee
anggota Komite Pemantau Risiko; dan and members of Risk Monitoring Committee;
and
d. Menyusun mekanisme dan melakukan penilaian d. Formulating mechanism and assessing
kinerja Direksi dan Dewan Komisaris. performance of the Board of Directors and the
Board of Commissioners.
Rapat Meetings
Rapat Komite Remunerasi dan Nominasi dilaksanakan Meeting of the Remuneration and Nomination
sesuai kebutuhan Bank, dengan frekuensi minimal Committee is held following the Bank’s needs, with
1 kali dalam 3 bulan. Rapat sah apabila dihadiri mayoritas a minimum frequency of once every 3 months.
anggota, termasuk sedikitnya 1 Komisaris Independen A meeting is considered valid if attended by the
serta 1 Pejabat Eksekutif yang membawahkan fungsi majority of members, including at least 1 Independent
sumber daya manusia atau perwakilan pegawai. Commissioner and 1 Executive Officer of human
Keputusan diambil melalui musyawarah untuk mufakat, resources or an employee representative. Decision is
dan bila tidak tercapai, ditetapkan berdasarkan suara made through consensus, and if it cannot be reached,
2025 Annual Report | PT Bank Capital Indonesia Tbk 219
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terbanyak. Seluruh hasil rapat, termasuk perbedaan is established with majority vote. All meeting results,
pendapat beserta alasannya, dituangkan dalam risalah including disagreement and the reasons, are recorded in
rapat yang didokumentasikan sesuai ketentuan meeting minutes documented in line with provisions of
perundang-undangan. laws and regulations.
Tingkat partisipasi setiap anggota Komite Remunerasi The level of participation of each member of
dan Nominasi dalam rapat sepanjang tahun 2025 the Remuneration and Nomination Committee in
diungkapkan berikut: meetings throughout 2025 is disclosed as follows:
Tingkat Kehadiran
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
Attendance Rate
Name Position Total Meetings Total Attendance
(%)
Ketua
Peter Kurniawan 4 4 100,00
Chairman
Anggota
Danny Nugroho 4 2 50,00
Member
Anggota
Andrey Jayanto 4 4 100,00
Member
Anggota
Evlacia Fibriyani W 4 4 100,00
Member
Laporan Singkat Pelaksanaan Kegiatan Brief Report on 2025 Activity Implementation
Tahun 2025
Di samping rapat yang dilaksanakan secara berkala, In addition to the regular meetings, the Remuneration
Komite Remunerasi dan Nominasi juga merealisasikan and Nomination Committee also realized various work
berbagai program kerja melalui kegiatan-kegiatan programs through the following activities:
berikut:
1. Melakukan evaluasi terhadap kebijakan remunerasi 1. Evaluating the remuneration policy for the Board
bagi Dewan Komisaris, Direksi, dan seluruh karyawan; of Commissioners, Board of Directors, and all
dan employees; and
2. Memberikan rekomendasi kepada Dewan Komisaris 2. Providing recommendations for the Board of
terkait calon Direktur Utama, calon pihak independen Commissioners on candidates for President
untuk menjadi anggota komite, serta calon anggota Director, independent parties to serve as committee
Dewan Komisaris dan Direksi. members, as well as candidates for members of
the Board of Commissioners and Board of Directors.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Sepanjang tahun 2025, anggota Komite Remunerasi Throughout 2025, members of the Remuneration
dan Nominasi telah berpartisipasi dalam program and Nomination Committee have participated in
pengembangan kompetensi yang diungkapkan sebagai the following competency development programs, as
berikut: disclosed below:
Kehadiran
Attendance
Materi Pelatihan
Training Topic
Evlacia
Peter Kurniawan Danny Nugroho Andrey Jayanto
Fibriyani W.
Growing Together Reaching Higher - -
Leadership Excellence: Leading with Influence
and Impact
Refreshment Sertifikasi Manajemen Risiko Jenjang 6
Refreshment on Level 6 Risk Management -
Certification
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Tata Kelola Perusahaan
Corporate Governance
Kehadiran
Attendance
Materi Pelatihan
Training Topic
Evlacia
Peter Kurniawan Danny Nugroho Andrey Jayanto
Fibriyani W.
Strategi Mitigasi Risiko Pencucian Uang di
Bank Menghadapi Tipologi Baru Tindak Pidana
Pencucian Uang dan Praktik Suap Terkini
Risk Mitigation Strategy for Money Laundering in
Banks To Address Emerging Typologies of Money
Laundering and Recent Bribery Practices
Refreshment Layanan Capital Flex dan New CBN
Refreshment on Capital Flex and New CBN - - -
Services
Refreshment Sertifikasi Manajemen Risiko Jenjang 5
Refreshment on Level 5 Risk Management - - -
Certification
Komite di Bawah Direksi
Committees Under Supervision of the Board of Directors
Asset and Liabilities Committee Asset and Liabilities Committee
Asset and Liabilities Committee (ALCO) merupakan The Asset and Liabilities Committee (ALCO) is
komite yang berperan penting dalam memastikan a committee with an important role in ensuring
keseimbangan antara aset dan kewajiban Bank. Melalui the balance between the Bank’s assets and liabilities.
pengelolaan likuiditas, suku bunga, serta risiko pasar, Through management of liquidity, interest rate, and
ALCO mendukung stabilitas keuangan sekaligus market risk, ALCO supports the Bank’s financial stability
memastikan kepatuhan terhadap ketentuan yang while ensuring compliance with applicable regulations.
berlaku.
Pedoman Kerja Work Guidelines
Pelaksanaan tugas dan tanggung jawab ALCO ALCO’s implementation of duties and responsibilities
berlandaskan pada Surat Keputusan Direksi is based on the Board of Directors’ Decree Number
Nomor SK/DIR/105/VIII/2025 tentang Susunan SK/DIR/105/VII/2025 on the Composition and Authority
Keanggotaan Asset Liabilities Committee (ALCO) dan of the Asset and Liabilities Committee (ALCO),
Kewenangannya, yang menetapkan struktur keanggotaan clearly stipulating membership structure and scope of
serta ruang lingkup tanggung jawab komite secara jelas. responsibilities of the committee.
Tugas dan Tanggung Jawab Duties and Responsibilities
ALCO memiliki fungsi dan tanggung jawab untuk ALCO has the function and responsibility to review,
mengkaji, menganalisis, menetapkan, serta memutuskan analyze, establish, and decide strategic policies
kebijakan-kebijakan strategis dalam hal aset dan in terms of assets and liabilities. These functions
liabilitas. Fungsi dan tanggung jawab tersebut meliputi and responsibilities include fund collection, fund
2025 Annual Report | PT Bank Capital Indonesia Tbk 221
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penghimpunan dana, penggunaan dana, serta penetapan usage, as well as price setting and risk control. Thus,
harga dan pengendalian risiko. Dengan demikian, the management of assets and liabilities at Bank
pengelolaan aset dan liabilitas di Bank Capital dapat Capital can be more focused and optimal. ALCO is also
lebih terarah dan optimal. ALCO juga bertanggung jawab responsible for establishing policies related to liquidity
menetapkan kebijakan yang terkait dengan manajemen management, gap management, foreign exchange, as
likuiditas, kesenjangan manajemen, valuta asing, serta well as investment and revenue management.
manajemen investasi dan pendapatan.
Struktur dan Keanggotaan Structure and Membership
Komposisi keanggotaan ALCO telah ditetapkan melalui The membership composition of ALCO has been
Surat Keputusan Direksi Nomor SK/DIR/105/VIII/2025, established in the Board of Directors’ Decree
dengan keanggotaan sebagai berikut: Number SK/DIR/105/VII/2025, with the following
membership structure:
1. Ketua merangkap Anggota dijabat oleh Direktur 1. President Director serving as Chairman and Member;
Utama;
2. Wakil Ketua merangkap Anggota dijabat oleh 2. Operations Director serving as Vice Chairman and
Direktur Operasional; dan Member; and
3. Anggota dijabat oleh Direktur Kredit, Direktur Digital 3. Credit Director, Digital Banking Director, Compliance
Banking, Direktur Kepatuhan, Kepala Divisi Treasuri Director, Head of Treasury and Financial Institutions
dan Institusi Keuangan, Kepala Divisi Kredit, Kepala Division, Head of Credit Division, Head of Business
Divisi Pengembangan Bisnis, Kepala Departemen Development Division, Head of Risk Management
Satuan Kerja Manajemen Risiko, Kepala Divisi Department, Head of Finance and Accounting
Keuangan dan Akuntansi, dan Kepala Unit Kerja Division, and Head of Business & Network Unit
Business & Network. serving as members.
Masa jabatan ALCO tidak memiliki batas waktu yang ALCO’s term of office is not specifically determined.
ditetapkan secara khusus. Namun demikian, susunan However, its membership composition and continuity
dan keberlanjutan keanggotaannya dapat dievaluasi can be evaluated and adjusted by Board of Directors,
serta disesuaikan oleh Direksi dari waktu ke waktu, from time to time, to ensure the effectiveness of
guna memastikan efektivitas pelaksanaan fungsi komite implementation of the committee’s function is in line
sesuai dengan kebutuhan dan dinamika Bank. with the Bank’s needs and dynamics.
Pernyataan Independensi Statement of Independence
Seluruh anggota ALCO Bank Capital melaksanakan All Bank Capital’s ALCO members do their duties
tugas secara independen dan profesional, tanpa independently and professionally, without concurrent
rangkap jabatan pada bank atau perusahaan lain maupun positions at other banks or companies or family
hubungan keluarga dengan Dewan Komisaris atau relationships with the Board of Commissioners or Board
Direksi, sesuai dengan ketentuan Peraturan Otoritas of Directors, in line with provisions of Financial Services
Jasa Keuangan Nomor 17 Tahun 2023. Authority Regulation Number 17 of 2023.
Rapat Meetings
Pelaksanaan rapat ALCO mengacu pada Surat Edaran ALCO is holding meetings by referring to Management
Manajemen Nomor 001 tentang Pedoman Asset and Circular Number 001 on Asset and Liability Guidelines.
Liability. Sesuai ketentuan, rapat ALCO diselenggarakan As stipulated, ALCO held at least 12 meetings per year
paling sedikit 12 kali dalam 1 tahun dan dapat dilaksanakan and may be held more if required. A meeting is deemed
lebih sering apabila diperlukan. Suatu rapat dinyatakan valid if attended by a majority of members with voting
sah apabila dihadiri oleh mayoritas anggota dengan rights, which is a minimum of 50% plus 1 member.
hak suara, yakni sekurang-kurangnya 50% ditambah
1 anggota.
Sepanjang tahun 2025, ALCO telah menyelenggarakan Throughout 2025, ALCO held 12 meetings, with
12 kali rapat dengan tingkat kehadiran rata-rata sebesar an average attendance rate of 100.00%. In these
100,00%. Dalam rapat-rapat tersebut, agenda utama meetings, the main agendas discussed including, as
yang dibahas mencakup antara lain: follows:
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Tata Kelola Perusahaan
Corporate Governance
1. Menjaga pertumbuhan aset dan liabilitas agar selaras 1. Maintaining the growth of assets and liabilities in line
dengan target yang ditetapkan dalam RBB; with targets set in the Business Plan (RBB);
2. Menjaga tingkat profitabilitas Bank tetap berada 2. Maintaining the Bank’s profitability to remain
pada level yang sehat dan berkelanjutan; at a sound and sustainable level;
3. Mempertahankan likuiditas Bank agar senantiasa 3. Sustaining the Bank’s liquidity to remain at a secure
dalam kondisi aman dan terkendali; dan and well-managed conditions; and
4. Meningkatkan pendapatan berbasis komisi 4. Increasing fee-based income through product
(fee-based income) melalui upaya diversifikasi diversification and development of new activities.
produk dan pengembangan aktivitas baru.
Laporan Singkat Pelaksanaan Kegiatan Brief Report on 2025 Activity Implementation
Tahun 2025
Sepanjang tahun 2025, ALCO secara konsisten Throughout 2025, ALCO consistently carried out its
menjalankan peran dan tanggung jawabnya dalam roles and responsibilities in managing the Bank’s assets
mengelola aset dan liabilitas Bank. Berbagai kegiatan and liabilities. Various activities and strategic decisions
dan keputusan strategis telah dilaksanakan untuk were implemented to ensure the stability and efficiency
memastikan kestabilan dan efisiensi pengelolaan of financial management, including, as follows:
keuangan, antara lain:
1. Menjaga tingkat profitabilitas Bank tetap berada 1. Maintained the Bank’s profitability to remain
pada level yang sehat dan berkelanjutan; at a sound and sustainable level;
2. Meningkatkan pendapatan berbasis komisi 2. Increased fee-based income through product
(fee-based income) melalui diversifikasi produk dan diversification and new activities;
aktivitas baru;
3. Mempertahankan tingkat likuiditas Bank dalam 3. Sustained the Bank’s liquidity to remain at a secure
kondisi yang aman dan sesuai standar; dan level in accordance with standards; and
4. Menjaga pertumbuhan aset dan liabilitas agar selaras 4. Managed the growth of assets and liabilities to be in
dengan target yang ditetapkan dalam RBB. line with targets set in the Business Plan (RBB).
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Sepanjang tahun 2025, anggota ALCO aktif meningkatkan Throughout 2025, ALCO members were actively
kompetensi melalui berbagai kegiatan pengembangan, developed their competencies through various
yang mencakup materi terkait Pembekalan Sertifikasi development activities, covering materials related to
Tresuri Jenjang 7, Uji Sertifikasi Tresuri Jenjang 7, Briefing on Level 7 Treasury Certification, Examination
Pembekalan Resertifikasi Manajemen Risiko dan Uji of Level 7 Treasury Certification, Briefing on Risk
Resertifikasi Manajemen Risiko, Pelatihan “Strategi Management Recertification and Examination of Risk
Mitigasi Risiko Pencucian Uang di Bank Menghadapi Management Recertification, Training on “Risk Mitigation
Tipologi Baru Tindak Pidana Pencucian Uang dan Praktik Strategy for Money Laundering in Banks To Address
Suap Terkini”, serta Penyelarasan Sertifikat Manajemen Emerging Typologies of Money Laundering and Recent
Risiko “Dampak Kondisi Makroekonomi terhadap Risiko Bribery Practices”, and Alignment of Risk Management
Stratejik, Risiko Reputasi, dan Risiko Hukum”. Certificate “Impact of Macroeconomic Conditions on
Strategic Risk, Reputational Risk, and Legal Risk”.
Komite Kebijakan Perkreditan Credit Policy Committee
Komite Kebijakan Perkreditan bertugas merumuskan Credit Policy Committee is tasked to formulate and
dan mengawasi penerapan kebijakan kredit, memastikan supervise the implementation of credit policy, ensuring
setiap pemberian kredit dilakukan secara hati-hati, every credit approval is conducted prudently, in
sesuai peraturan yang berlaku, dan selaras dengan accordance with applicable regulations, and aligned
strategi bisnis Bank. with the Bank’s business strategy.
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Pedoman Kerja Work Guidelines
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities,
Komite Kebijakan Perkreditan berpedoman pada the Credit Policy Committee refers to
ketentuan yang diatur dalam Surat Keputusan Direksi the provisions stated in the Board of Directors’ Decree
Nomor SK/DIR/088/VIII/2025 tentang Komite Kebijakan Number SK/DIR/088/VIII/2025 regarding the Credit
Perkreditan. Policy Committee.
Tugas dan Tanggung Jawab Duties and Responsibilities
Ruang lingkup tugas dan tanggung jawab Komite The scope of duties and responsibilities of the Credit
Kebijakan Perkreditan setidaknya mencakup hal-hal Policy Committee, at a minimum include the following:
berikut:
1. Memberikan saran kepada Direksi terkait prinsip 1. Providing advice to the Board of Directors on
kehati-hatian dalam perkreditan; the prudential principle in prudential principles in
lending;
2. Memastikan kebijakan perkreditan Bank diterapkan 2. Ensuring that the Bank’s lending policies are
secara konsisten; consistently implemented;
3. Mengidentifikasi dan merumuskan solusi atas 3. Identifying and formulating solutions for any
hambatan penerapan kebijakan perkreditan Bank; obstacles in implementing the Bank’s lending
policies;
4. Melakukan kajian berkala dan memberikan 4. Conducting periodic reviews and giving
rekomendasi perubahan kebijakan perkreditan Bank recommendations for changes to Bank’s lending
jika diperlukan; policies if needed;
5. Memantau dan mengevaluasi kualitas dan 5. Monitoring and evaluating the quality and
perkembangan portofolio kredit; development of the credit portfolio;
6. Memantau kepatuhan terhadap kewenangan 6. Monitoring the compliance of credit approval
pemberian kredit; authority;
7. Memantau dan mengevaluasi proses pemberian 7. Monitoring and evaluating the credit approval
kredit kepada pihak terkait dan debitur besar process granted to related parties and specific large
tertentu; debtors;
8. Memantau ketaatan terhadap BMPK; 8. Monitoring the adherence with provisions of LLL;
9. Memantau dan mengevaluasi penyelesaian kredit 9. Monitoring and evaluating the resolution of
bermasalah sesuai kebijakan perkreditan Bank; non-performing loans in line with the Bank’s lending
policies;
10. Memantau pemenuhan penyisihan penghapusan 10. Monitoring fulfillment of provisions for credit
kredit; write-offs;
11. Menyampaikan laporan tertulis secara berkala kepada 11. Submitting written reports periodically to the Board of
Direksi dengan tembusan ke Dewan Komisaris; dan Directors with a copy to the Board of Commissioners;
and
12. Memberikan saran perbaikan berdasarkan hasil 12. Providing improvement recommendations based on
pengawasan dan evaluasi. results of supervision and evaluation.
Struktur dan Keanggotaan Structure and Membership
Komposisi keanggotaan Komite Kebijakan Perkreditan The membership composition of Credit Policy
telah ditetapkan melalui Surat Keputusan Direksi Nomor Committee is stipulated through the Board of Directors’
SK/DIR/088/VIII/2025 tentang Komite Kebijakan Decree Number SK/DIR/088/VIII/2025 concerning
Perkreditan, dengan keanggotaan sebagai berikut: the Credit Policy Committee, with the following
membership structure:
1. Ketua merangkap Anggota dijabat oleh Direktur 1. President Director serving as Chairman and Member;
Utama;
2. Wakil Ketua merangkap Anggota dijabat oleh 2. Credit Director serving as Vice Chairman and
Direktur Kredit; dan Member; and
3. Anggota dijabat oleh seluruh Direksi, Kepala Divisi 3. Board of Directors, Head of SKAI Division, Head of
SKAI, Kepala Departemen Kepatuhan dan Unit Compliance Department and Know Your Customer
Kerja Penerapan Prinsip Mengenal Nasabah, Kepala Unit, Head of Risk Management Department, Head
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Tata Kelola Perusahaan
Corporate Governance
Departemen Manajemen Risiko, Kepala Departemen of Legal Department, Head of Credit Support
Hukum, Kepala Departemen Credit Support, Kepala Department, Head of Credit Review Department
Departemen Credit Review, dan Kepala Departemen and Head of Pension Credit Supporting Department
Kredit Pensiun Supporting. servings as members.
Masa jabatan Komite Kebijakan Perkreditan tidak The Credit Policy Committee’s term of office is not
ditetapkan secara khusus, namun dapat dievaluasi dan specifically determined, but may be evaluated and
disesuaikan oleh Direksi sesuai kebutuhan. adjusted by the Board of Directors according to
the needs.
Pernyataan Independensi Statement of Independence
Komite Kebijakan Perkreditan Bank menjalankan tugas The Bank’s Credit Policy Committee carries out its duties
dan tanggung jawabnya secara independen, profesional, and responsibilities independently, professionally,
dan mandiri, tanpa adanya pengaruh, tekanan, atau and autonomously, without any influence, pressure, or
benturan kepentingan dari pihak manapun. conflict of interest from any party.
Rapat Meetings
Sesuai dengan Pedoman dan Tata Tertib Kerja Dewan In line with the Work Guidelines and Rules of the Board
Komisaris, Direksi, dan Komite PT Bank Capital of Commissioners, Board of Directors, and Committees
Indonesia Tbk dalam Rangka Pelaksanaan Good of PT Bank Capital Indonesia Tbk for implementation
Corporate Governance, rapat Komite Kebijakan of Good Corporate Governance, the Credit Policy
Perkreditan diselenggarakan berdasarkan kebutuhan Committee meetings are held based on the Bank’s
operasional dan strategis Bank. operational and strategic needs.
Laporan Singkat Pelaksanaan Kegiatan Brief Report on 2025 Activity Implementation
Tahun 2025
Sepanjang tahun 2025, Komite Kebijakan Perkreditan Throughout 2025, the Credit Policy Committee has
telah melaksanakan berbagai tugas dan tanggung carried out various duties and responsibilities, including,
jawabnya, antara lain: as follows:
1. Menetapkan kebijakan dan prosedur terkait kegiatan 1. Establishing policies and procedures related to
perkreditan; credit activities;
2. Memberikan masukan kepada Direksi dalam 2. Providing input to the Board of Directors in
penyusunan Kebijakan Perkreditan Bank (KPB), formulating the Bank’s Credit Policy (KPB),
khususnya yang berkaitan dengan penerapan prinsip particularly in relation to the application of prudential
kehati-hatian dalam pemberian kredit; principles in credit disbursement;
3. Melakukan pengawasan atas pelaksanaan kebijakan 3. Supervising the implementation of credit policies
perkreditan agar dijalankan secara konsisten dan to ensure they are carried out consistently and
konsekuen, serta merumuskan solusi atas hambatan effectively, as well as formulating solutions to any
yang mungkin timbul dalam penerapannya; dan obstacles that may arise in their implementation; and
4. Melaksanakan kajian terhadap kebijakan perkreditan 4. Conducting reviews of the prevailing credit policies
yang berlaku, serta menyampaikan saran kepada and providing recommendations to the Board of
Direksi apabila diperlukan penyesuaian atau Directors when adjustments or policy changes are
perubahan kebijakan. deemed necessary.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Sepanjang tahun 2025, anggota Komite Kebijakan Throughout 2025, members of the Credit Policy
Perkreditan aktif meningkatkan kompetensi melalui Committee actively developed their competencies
berbagai kegiatan pengembangan, yang mencakup through various development activities, covering
materi terkait Strategi Mitigasi Risiko Pencucian Uang di materials related to Risk Mitigation Strategy for Money
Bank Menghadapi Tipologi Baru Tindak Pidana Pencucian Laundering in Banks To Address Emerging Typologies
Uang dan Praktik Suap Terkini dan Penyelarasan Sertifikat of Money Laundering and Recent Bribery Practices
Manajemen Risiko “Dampak Kondisi Makroekonomi and Alignment of Risk Management Certificate
terhadap Risiko Stratejik, Risiko Reputasi, dan Risiko “Impact of Macroeconomic Conditions on Strategic
Hukum”. Risk, Reputational Risk, and Legal Risk”.
2025 Annual Report | PT Bank Capital Indonesia Tbk 225
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Komite Kredit Credit Committee
Komite Kredit berperan dalam menelaah, menilai, dan The Credit Committee is playing a role of reviewing,
mengambil keputusan terkait pengajuan kredit, dengan assessing, and making decision on credit application,
tetap berpedoman pada kebijakan Bank serta strategi while adhering to the Bank’s policies and the established
bisnis yang telah ditetapkan. business strategy.
Pedoman Kerja Work Guidelines
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, Credit
Komite Kredit berlandaskan pada ketentuan Committee is guided by the provisions established in the
yang tercantum dalam Surat Keputusan Direksi Board of Directors’ Decree Number SK/DIR/125/X/2023
Nomor SK/DIR/125/X/2023 tentang Susunan dan on the Composition and Authority of Credit Committee,
Kewenangan Komite Kredit, sebagai pedoman as an operational guideline to ensure the credit
operasional yang menjamin pengambilan keputusan decision-making is carried out effectively and in line
kredit berjalan efektif dan sesuai prinsip tata kelola yang with sound governance principles.
baik.
Tugas dan Tanggung Jawab Duties and Responsibilities
Ruang lingkup tugas dan tanggung jawab Komite Kredit The scope of work of the Credit Committee includes:
meliputi:
1. Memberikan persetujuan atau penolakan kredit atau 1. Approving or rejecting credit or financing in
pembiayaan sesuai dengan batas wewenang atau accordance with the authority limit or credit or
jenis kredit atau pembiayaan yang ditetapkan oleh financing type established by the Board of Directors;
Direksi;
2. Melakukan koordinasi dengan ALCO dalam aspek 2. Coordinating with ALCO in the aspect of credit
pendanaan kredit atau pembiayaan; funding or financing;
3. Memberikan persetujuan kredit atau pembiayaan 3. Granting credit or financing approval based on
berdasarkan kompetensi secara jujur, objektif, competency in an honest, objective, careful, and
cermat, serta seksama; dan meticulous manner; and
4. Menolak permintaan dan/atau pengaruh pihak 4. Rejecting requests and/or influences from parties
yang berkepentingan dengan pemohon kredit atau with an interest in the credit or financing applicant
pembiayaan untuk memberikan persetujuan kredit to grant credit or financing approval that is merely
atau pembiayaan yang hanya bersifat formalitas. a formality.
Struktur dan Keanggotaan Structure and Membership
Komposisi keanggotaan Komite Kredit telah The membership composition of Credit Committee
ditetapkan melalui Surat Keputusan Direksi is set out with Board of Directors’ Decree
Nomor SK/DIR/125/X/2023 tentang Susunan dan Number SK/DIR/125/X/2023 on the Composition and
Kewenangan Komite Kredit, dengan keanggotaan Authority of Credit Committee, with the following
sebagai berikut: membership structure:
1. Ketua merangkap Anggota dijabat oleh Direktur 1. President Director serving as Chairman and Member;
Utama;
2. Wakil Ketua dijabat oleh Direktur Kredit; dan 2. Operations Director serving as Vice Chairman and
Member; and
3. Anggota dijabat oleh Direktur Operasional, Direktur 3. Operations Director, Digital Banking Director, and
Digital Banking, dan Kepala Divisi Kredit. Head of Credit Division serving as members.
Masa jabatan Komite Kredit tidak ditetapkan secara Credit Committee’s term of office is not specifically
khusus dan dapat dievaluasi serta disesuaikan oleh established and may be evaluated and adjusted by
Direksi sesuai kebutuhan Bank Capital. the Board of Directors in accordance with the needs of
Bank Capital.
Pernyataan Independensi Statement of Independence
Anggota Komite Kredit Bank menjalankan tugasnya Members of the Bank’s Credit Committee carry out
secara independen, tanpa merangkap jabatan sebagai their duties independently, without holding concurrent
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Tata Kelola Perusahaan
Corporate Governance
Komisaris, Direksi, atau Pejabat Eksekutif di bank atau positions as Commissioners, Directors, or Executive
perusahaan lain, kecuali sesuai ketentuan Peraturan Officers in other banks or companies, except as permitted
Otoritas Jasa Keuangan Nomor 17 Tahun 2023. Selain itu, by provisions of Financial Services Authority Regulation
untuk menjaga independensi dan mencegah benturan Number 17 of 2023. Also, to maintain independence
kepentingan, tidak terdapat anggota yang memiliki and prevent conflicts of interest, no member has
hubungan keluarga hingga derajat kedua dengan Dewan family relationships up to the second degree with
Komisaris atau Direksi lainnya. the Board of Commissioners or Board of Directors.
Rapat Meetings
Pelaksanaan rapat Komite Kredit diatur berdasarkan The Credit Committee meetings is regulated by
Surat Keputusan Direksi Nomor SK/DIR/125/X/2023 the Board of Directors’ Decree Number
tentang Susunan dan Kewenangan Komite Kredit. SK/DIR/125/X/2023 concerning the Structure and
Rapat diselenggarakan sesuai kebutuhan Bank, dan Authorities of the Credit Committee. Meetings are held
keabsahannya tercapai apabila dihadiri oleh 2/3 anggota as needed by the Bank, and deemed valid if attended by
Komite Kredit yang memiliki hak suara. 2
/3 of the Credit Committee members with voting rights.
Pembahasan dalam rapat Komite Kredit dapat dilakukan Discussion in the Credit Committee meeting may
apabila telah memperoleh masukan dari beberapa pihak proceed upon receiving input from the following parties:
berikut:
1. Satuan Kerja Manajemen Risiko, yang memberikan: 1. Risk Management Unit, which provides:
a. Opini mengenai risiko kredit yang dihadapi Bank a. An opinion on the credit risks faced by the Bank to
sebagai bahan pertimbangan dalam pengambilan be used as a consideration in the credit decision-
keputusan kredit; dan making process; and
b. Jaminan atas terkontrolnya risiko kredit b. Assurance of controlled credit risks (risk control)
(risk control) sebagai bagian dari penerapan as part of the implementation of the four eyes
prinsip four eyes. principle.
2. Satuan Kerja Kepatuhan, yang menyampaikan opini 2. Compliance Unit, which delivers a compliance
kepatuhan serta memastikan bahwa usulan fasilitas opinion and ensures that the proposed credit facility
kredit telah sesuai dengan ketentuan yang berlaku, aligns with the applicable regulations, both internal,
baik ketentuan internal, seperti Standar Operasional such as the Bank’s Standard Operating Procedures
Prosedur Bank, maupun ketentuan eksternal, seperti and external, such as Bank Indonesia Regulations
Peraturan Bank Indonesia dan Peraturan Otoritas and Financial Services Authority Regulations; and
Jasa Keuangan; dan
3. Departemen Credit Review, yang melakukan evaluasi 3. Credit Review Department, which evaluates
terhadap kelayakan permohonan fasilitas kredit yang the feasibility of the proposed credit facility
diajukan oleh debitur, serta memastikan bahwa submitted by the debtor and ensures that the facility
pemberian fasilitas tersebut masih berada dalam remains within the Bank’s established LLL.
BMPK yang ditetapkan Bank.
Laporan Singkat Pelaksanaan Kegiatan Brief Report on the Implementation
Tahun 2025 of Activities in 2025
Sepanjang tahun 2025, Komite Kredit telah melaksanakan Throughout 2025, the Credit Committee has carried out
berbagai tugas dan tanggung jawabnya, antara lain: various duties and responsibilities, including, as follows:
1. Memberikan persetujuan atau penolakan atas 1. Providing approval or rejection for credit application
permohonan kredit sesuai dengan batas wewenang in accordance with the authority limit or credit type
dan jenis kredit yang ditetapkan oleh Direksi; established by the Board of Directors;
2. Melakukan koordinasi dengan ALCO terkait aspek 2. Coordinating with ALCO in relation with
pendanaan untuk mendukung kegiatan perkreditan; the financing aspect to support the credit activities;
dan and
3. Memastikan tersedianya analisa serta opini dari 3. Ensuring the availability of analysis and opinion from
Satuan Kerja Manajemen Risiko dan Satuan Kerja the Risk Management Unit and Compliance Unit as
Kepatuhan sebagai dasar pertimbangan dalam basis of consideration in credit decision making.
pengambilan keputusan kredit.
2025 Annual Report | PT Bank Capital Indonesia Tbk 227
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Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Sepanjang tahun 2025, anggota Komite Kredit aktif Throughout 2025, members of Credit Committee
meningkatkan kompetensi melalui pelatihan dan actively developed their competencies through training
pengembangan dengan materi terkait Strategi Mitigasi and development activities with materials related to
Risiko Pencucian Uang di Bank Menghadapi Tipologi Baru Risk Mitigation Strategy for Money Laundering in Banks
Tindak Pidana Pencucian Uang dan Praktik Suap Terkini To Address Emerging Typologies of Money Laundering
dan Penyelarasan Sertifikat Manajemen Risiko “Dampak and Recent Bribery Practices and Alignment of Risk
Kondisi Makroekonomi terhadap Risiko Stratejik, Risiko Management Certificate “Impact of Macroeconomic
Reputasi, dan Risiko Hukum”. Conditions on Strategic Risk, Reputational Risk, and
Legal Risk”.
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko merupakan organ Bank The Risk Management Committee is a Bank’s organ tasked
yang memiliki tugas dan tanggung jawab membantu and in charge to assist Board of Directors in assessing,
Direksi dalam menilai, merumuskan, dan mengawasi formulating, and supervising the implementation of
penerapan strategi serta pedoman manajemen risiko. risk management strategies and guidelines. The Risk
Komite Manajemen Risiko juga berperan dalam Management Committee is also playing a role in refining
menyempurnakan pelaksanaan manajemen risiko the implementation of risk management based on
berdasarkan hasil evaluasi terhadap proses dan sistem evaluations of existing processes and systems.
yang berjalan.
Pedoman Kerja Work Guidelines
Pelaksanaan tugas dan tanggung jawab Komite The Risk Management Committee is carrying out
Manajemen Risiko berlandaskan pada Surat Keputusan its duties and responsibilities based on the Board of
Direksi Nomor SK/DIR/097/VII/2025 tentang Susunan, Directors’ Decree Number SK/DIR/097/VII/2025 on
Wewenang, dan Tanggung Jawab Komite Manajemen the Structure, Authority, and Responsibilities of Risk
Risiko, yang menjadi pedoman operasional untuk Management Committee, serving as an operational
memastikan efektivitas pengelolaan risiko di Bank. guideline to ensure the effectiveness of risk management
within the Bank.
Tugas dan Tanggung Jawab Duties and Responsibilities
Komite Manajemen Risiko memiliki wewenang dan The Risk Management Committee has the authority
tanggung jawab untuk memberikan rekomendasi kepada and responsibilities to provide recommendations to
Direktur Utama, yang sekurang-kurangnya mencakup the President Director, which at least include
hal-hal berikut: the following:
1. Penyusunan kebijakan, strategi, dan pedoman 1. Formulating policies, strategies, and guidelines for
penerapan manajemen risiko; the implementation of risk management;
2. Perbaikan atau penyempurnaan pelaksanaan 2. Improving or refining the execution of risk
manajemen risiko berdasarkan hasil evaluasi management based on the evaluation results of risk
pelaksanaan manajemen risiko; dan management execution and systems; and
3. Penetapan hal-hal yang terkait dengan keputusan 3. Determining matters related to business
bisnis yang menyimpang dari prosedur normal. decisions that deviate from normal procedures.
Termasuk dalam keputusan bisnis yang menyimpang Included as business decisions that deviate
dari prosedur normal, antara lain pelampauan from normal procedures are business expansion
ekspansi usaha yang signifikan dibandingkan RBB that significantly exceeding the and taking
dan pengambilan posisi atau eksposur risiko yang positions or risk exposures that deviate from
menyimpang dari limit yang telah ditetapkan. the established limits.
Struktur dan Keanggotaan Structure and Membership
Komposisi keanggotaan Komite Manajemen Risiko The membership composition of Risk Management
telah ditetapkan melalui Surat Keputusan Direksi Committee is established through Board of Directors’
Nomor SK/DIR/097/VII/2025 tentang Susunan, Decree Number SK/DIR/097/VII/2025 on the Structure,
228 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Wewenang, dan Tanggung Jawab Komite Manajemen Authority, and Responsibilities of Risk Management
Risiko, dengan keanggotaan sebagai berikut: Committee, with the following membership structure:
1. Ketua/Anggota Tetap dijabat oleh Direktur yang 1. Director in charge/supervise the risk management
bertanggung jawab terhadap manajemen risiko serving as Chairman/Permanent Member;
membawahi bidang manajemen risiko;
2. Anggota Tetap dijabat oleh seluruh Direktur, Kepala 2. All Directors, Head of Risk Management Unit, Head
Satuan Kerja Manajemen Risiko, Kepala SKAI, dan of SKAI, and Head of Compliance Unit serving as
Kepala Satuan Kerja Kepatuhan; dan Permanent Members; and
3. Anggota Tidak Tetap dijabat oleh Kepala-Kepala 3. Heads of Units in charge of, but not limited
Unit Kerja yang membidangi namun tidak terbatas to, Credit, Treasury, Finance and Accounting,
pada Bidang Perkreditan, Bidang Treasuri, Bidang Operations, Information Technology, Systems and
Keuangan dan Akuntansi, Bidang Operasional, Procedures, Legal, and Human Resources serving as
Bidang Teknologi Informasi, Bidang Sistem dan Non-Permanent Members.
Prosedur, Bidang Hukum, dan Bidang Sumber Daya
Manusia.
Masa jabatan Komite Manajemen Risiko tidak ditentukan Risk Management Committee’s term of office is not
secara khusus, dan Direksi dapat meninjau serta specifically established and the Board of Directors
menyesuaikan keanggotaan komite sesuai kebutuhan may review and adjust the committee’s membership
organisasi Bank Capital. following the organizational needs of Bank Capital.
Pernyataan Independensi Statement of Independence
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, Risk
Komite Manajemen Risiko senantiasa menjunjung prinsip Management Committee constantly upholds
independensi dan kehati-hatian. Bank memastikan the independence and prudent principles. The Bank
bahwa seluruh anggota komite yang sedang menjabat ensures that all serving members of the committee
bekerja bebas dari intervensi, baik dari Dewan Komisaris, are free from any intervention, both from the Board of
Direksi, maupun Pemegang Saham. Commissioners, Board of Directors, or Shareholders.
Rapat Meetings
Komite Manajemen Risiko menyelenggarakan pertemuan The Risk Management Committee held meetings on
secara berkala maupun sesuai kebutuhan. Setiap rapat a regular basis as well as on an ad hoc basis as needed.
didokumentasikan melalui notulen atau risalah rapat, Every meeting is documented in minutes or meeting
yang dilengkapi dengan daftar hadir peserta, guna records, accompanied by an attendance list of
memastikan transparansi dan akuntabilitas dalam participants, to ensure transparency and accountability
pelaksanaan fungsi komite. in the implementation of committee’s function.
Sepanjang tahun 2025, Komite Manajemen Risiko telah Throughout 2025, the Risk Management Committee
menyelenggarakan 4 kali rapat dengan tingkat kehadiran held 4 meetings, with an average attendance rate of
rata-rata sebesar 90,00%. Dalam rapat-rapat tersebut, 90.00%. In these meetings, the main agendas discussed
agenda utama yang dibahas mencakup antara lain: including, as follows:
1. Penyempurnaan Kebijakan Business Continuity Plan 1. Refinement of Business Continuity Plan Policy for
baik di kantor cabang maupun di kantor pusat; both the branch offices or head office;
2. Penyampaian dan pembahasan profil risiko 2. Submission and discussion of the Bank’s risk
Bank; dan profile; and
3. Penyempurnaan Kebijakan Liquidity Coverage Ratio 3. Refinement of Liquidity Coverage Ratio and Net
dan Net Stable Funding Ratio. Stable Funding Ratio policies.
Laporan Singkat Pelaksanaan Kegiatan Brief Report on 2025 Activity Implementation
Tahun 2025
Sepanjang tahun 2025, Komite Manajemen Risiko telah Throughout 2025, the Risk Management Committee has
melaksanakan berbagai tugas dan tanggung jawabnya, carried out various duties and responsibilities, including,
antara lain: as follows:
2025 Annual Report | PT Bank Capital Indonesia Tbk 229
Page 232
1. Melakukan perbaikan atau penyesuaian kebijakan 1. Refining or adjusting the risk management policies
manajemen risiko berdasarkan hasil evaluasi berkala based on the periodic evaluations to ensure that
agar tetap relevan dengan kondisi terkini; dan they remain relevant with the current condition; and
2. Melakukan pemantauan posisi dan eksposur risiko 2. Monitoring the risks position and exposure of
Bank. the Bank.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Sepanjang tahun 2025, anggota Komite Manajemen Throughout 2025, members of Risk Management
Risiko aktif mengikuti program pengembangan Committee actively participated in competency
kompetensi, yang mencakup materi terkait Refreshment development programs, covering topics related to
Sertifikasi Manajemen Risiko Serta Pelatihan Lain terkait Refreshment of Risk Management Certification and
Bidang Kerja. other trainings related to their field of work.
Komite Pengarah Teknologi Informasi Information Technology Steering
Committee
Komite Pengarah Teknologi Informasi (TI) merupakan The Information Technology (IT) Steering Committee
organ Bank yang memiliki tugas dan tanggung is a Bank’s organ tasked and in charge to assist
jawab membantu Direksi dalam menganalisis the Board of Directors in analyzing and evaluating
serta mengevaluasi pelaksanaan pengelolaan the implementation of IT management, to ensure
di bidang TI, guna memastikan pemanfaatan TI the IT utilization is running effectively, securely, and
berjalan efektif, aman, dan mendukung strategi supporting the Bank’s business strategy.
bisnis Bank.
Pedoman Kerja Work Guidelines
Pelaksanaan tugas dan tanggung jawab Komite The Information Technology Steering Committee is
Pengarah Teknologi Informasi berlandaskan pada Surat carrying out its duties and responsibilities based on
Keputusan Direksi Nomor SK/DIR/126/X/2025 tentang the Board of Directors’ Decree
Pembentukan dan Pengangkatan Anggota Komite Number SK/DIR/126/X/2025 on the Establishment and
Pengarah Teknologi Sistem Informasi, yang menjadi Appointment of Members of the Information Systems
pedoman operasional untuk mendukung efektivitas Steering Committee, serving as an operational guideline
pengelolaan TI di Bank. to support the effectiveness of IT management within
the Bank.
Tugas dan Tanggung Jawab Duties and Responsibilities
Komite Pengarah Teknologi Informasi memiliki tanggung The Information Technology Steering Committee is
jawab untuk memberikan rekomendasi kepada Direksi, responsible to provide recommendations to the Board
yang sekurang-kurangnya mencakup hal-hal berikut: of Directors, which at least include the following:
1. Rencana strategis TI yang sejalan dengan rencana 1. IT strategic plans that aligns with the corporate
korporasi Bank; plans of the Bank;
2. Kebijakan, standar, dan prosedur TI; 2. IT policies, standards, and procedures;
3. Kesesuaian antara rencana pengembangan TI dan 3. Alignment between the IT development plans with
rencana strategis TI; IT strategic plans;
4. Kesesuaian antara pelaksanaan pengembangan TI 4. Alignment between IT development implementation
dan rencana pengembangan TI; and IT development plan;
5. Evaluasi atas efektivitas biaya TI terhadap pencapaian 5. Evaluating IT cost effectiveness against
manfaat yang direncanakan; the achievement of planned benefits;
6. Pemantauan atas kinerja TI dan upaya peningkatan 6. Monitoring IT performance and efforts of improving
kinerja TI; the IT performance;
230 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
7. Upaya penyelesaian berbagai masalah terkait TI yang 7. Efforts to resolve various IT-related issues that
tidak dapat diselesaikan oleh satuan kerja pengguna cannot be effectively, efficiently, and promptly
dan penyelenggara TI secara efektif, efisien, dan resolved by the user work unit; and
tepat waktu; dan
8. Kecukupan dan alokasi sumber daya terkait TI yang 8. Adequacy and allocation of IT-related resources
dimiliki Bank. owned by the Bank.
Struktur dan Keanggotaan Structure and Membership
Komposisi keanggotaan Komite Pengarah Teknologi The membership composition of the Information
Informasi telah ditetapkan melalui Surat Keputusan Technology Steering Committee’s is established through
Direksi Nomor SK/DIR/126/X/2025 tentang Board of Directors’ Decree Number SK/DIR/126/X/2025
Pembentukan dan Pengangkatan Anggota Komite on the Establishment and Appointment of Members
Pengarah Teknologi Sistem Informasi, komposisi Komite of the Information Systems Steering Committee, with
Pengarah Teknologi Informasi, dengan keanggotaan the following membership structure:
sebagai berikut:
1. Ketua merangkap Anggota dijabat oleh Direktur 1. Director of Digital Banking serving as Chairman and
Digital Banking; Member;
2. Sekretaris merangkap Anggota dijabat oleh Kepala 2. Head of Information Technology Division servings as
Divisi Teknologi Informasi; Secretary and Member;
3. Anggota dijabat oleh Direktur Kepatuhan, Direktur 3. Compliance Director, Operations Director, Head of
Operasional, Kepala Divisi Finance & Accounting, Finance & Accounting Division, Head of Business
Kepala Divisi Bussiness Development, Kepala Development Division, Head of Branch Operation
Departemen Branch Operation Support III, dan Support III Department, and Head of Systems &
Kepala Departemen System & Procedure; dan Procedures Department serving as Members; and
4. Anggota (Tidak Tetap) disesuaikan dengan 4. Non-Permanent Members, appointed as needed.
kebutuhan.
Masa jabatan Komite Pengarah Teknologi Informasi tidak The Information Technology Steering Committee’s term
ditetapkan secara khusus, dan Direksi dapat meninjau of office is not specifically established, and the Board
serta menyesuaikan susunan keanggotaan komite sesuai of Directors may review and adjust the committee’s
kebutuhan dan perkembangan Bank Capital. membership structure according to the needs and
development of Bank Capital.
Pernyataan Independensi Statement of Independence
Bank Capital menjamin seluruh anggota Komite Pengarah Bank Capital ensures all members of Information
Teknologi Informasi bekerja secara independen dan Technology Steering Committee work independently
profesional, tanpa rangkap jabatan maupun hubungan and professionally, without holding concurrent positions
keluarga hingga derajat kedua dengan Dewan Komisaris or having family relationships up to second degree
atau Direksi, sesuai ketentuan Peraturan Otoritas Jasa with Board of Commissioners or Board of Directors, in
Keuangan Nomor 17 Tahun 2023. accordance with Financial Services Authority Regulation
Number 17 of 2023.
Rapat Meetings
Rapat Komite Pengarah Teknologi Informasi The Information Technology Steering Committee held
diselenggarakan berdasarkan kebutuhan operasional meetings based on the Bank’s operational and strategic
dan strategi Bank. Sepanjang tahun 2025, Komite needs. Throughout 2025, the Information Technology
Pengarah Teknologi Informasi telah menyelenggarakan Steering Committee held 4 meetings, with an average
4 kali rapat dengan tingkat kehadiran rata-rata sebesar attendance rate of 100%. Agendas discussed in meetings
100,00%. Adapun agenda yang dibahas dalam rapat were related to information technology projects and
terkait proyek-proyek teknologi informasi beserta the policies supporting their implementation.
kebijakan-kebijakan yang mendukung pelaksanaannya.
2025 Annual Report | PT Bank Capital Indonesia Tbk 231
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Laporan Singkat Pelaksanaan Kegiatan Brief Report on 2025 Activity Implementation Tahun 2025 Sepanjang tahun 2025, pelaksanaan tugas Komite Throughout 2025, the implementation of duties of Pengarah Teknologi Informasi dapat diuraikan sebagai Information Technology Steering Committee can be berikut: outlined as follows: 1. Melakukan pengembangan sistem dan teknologi 1. Developing the system and information technology informasi sesuai dengan Rencana Pengembangan in accordance with the established Information Teknologi Informasi (RPTI) yang telah ditetapkan; Technology Development Plan (RPTI); 2. Mengembangkan berbagai fitur pada layanan digital 2. Developing various features on the Bank’s digital yang dimiliki Bank guna meningkatkan kenyamanan services to improve customer convenience and ease dan kemudahan nasabah; of use; 3. Meningkatkan aspek keamanan (security) pada 3. Improving the security aspect of all digital services seluruh layanan digital Bank; offered by the Bank; 4. Melakukan pengujian terhadap Disaster Recovery 4. Conducting tests on critical applications of Center (DRC) pada aplikasi-aplikasi kritikal untuk the Disaster Recovery Center (DRC) to ensure memastikan keberlangsungan layanan; dan service continuity; and 5. Menyelesaikan temuan audit, baik dari auditor 5. Resolving audit findings related to information internal maupun eksternal, yang berkaitan dengan technology system and management, both from sistem dan pengelolaan terkait teknologi informasi. internal and external auditors. Pelaksanaan Program Kerja Tahun 2025 Implementation of the 2025 Work Program Pada tahun 2025, program kerja yang telah direalisasikan In 2025, the work programs realized by Information Komite Pengarah Teknologi Informasi sebagai berikut: Technology Steering Committee were as follows: 1. Menyusun rencana strategis teknologi informasi 1. Preparing a strategic information technology as sebagai acuan pengembangan teknologi informasi a reference for information technology development di lingkungan Bank; within the Bank; 2. Merumuskan kebijakan dan prosedur teknologi 2. Formulating information technology policies and informasi yang selaras dengan ketentuan peraturan procedures in accordance with applicable laws and perundang-undangan yang berlaku; regulations; 3. Memantau kesesuaian proyek-proyek teknologi 3. Monitoring the alignment of approved information informasi yang telah disetujui dengan rencana technology projects with the established strategic strategis yang telah ditetapkan; dan plan; and 4. Memastikan kesesuaian penerapan teknologi 4. Ensuring that the implementation of information informasi dengan kebutuhan sistem informasi technology is aligned with the needs of manajemen dalam mendukung pengelolaan kegiatan the management information system in supporting usaha Bank. the Bank’s business operations. Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development Sepanjang tahun 2025, anggota Komite Pengarah Throughout 2025, members of the Information Teknologi Informasi aktif mengikuti program Technology Steering Committee actively participated pengembangan kompetensi, dengan materi terkait in competency development programs, with materials Strategi Mitigasi Risiko Pencucian Uang di Bank related to Risk Mitigation Strategy for Money Menghadapi Tipologi Baru Tindak Pidana Pencucian Laundering in Banks To Address Emerging Typologies Uang dan Praktik Suap Terkini, Penyelarasan Sertifikat of Money Laundering and Recent Bribery Practices, Manajemen Risiko “Dampak Kondisi Makroekonomi Alignment of Risk Management Certificate “Impact terhadap Risiko Stratejik, Risiko Reputasi, dan Risiko of Macroeconomic Conditions on Strategic Risk, Hukum”, Kegiatan Workshop Tanggap Insiden Siber, Reputational Risk, and Legal Risk”, Cyber Incident Pelatihan Program Monitoring Berbasis Risiko Tindak Response Workshop, Training on Risk-Based Monitoring Pidana Pencucian Uang dan TPPT dari Tindak Pidana Programs for Money Laundering and TPPT from Cyber Siber, dan Rapat Koordinasi Application Programming Crimes, and Coordination Meeting for Application Interface (API) Layanan CekRekening.id dan Programming Interface (API) of CekRekening.id and AduanNomor.id. AduanNomor.id Services. 232 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Organ Pendukung Direksi
Supporting Organ of the Board of Directors
Sekretaris Perusahaan Corporate Secretary
Sekretaris Perusahaan memiliki peran strategis sebagai The Corporate Secretary is playing a strategic role to
jembatan komunikasi antara Bank dan para pemangku bridge the communication between the Bank and its
kepentingan. Selain memastikan tersampaikannya stakeholders. In addition to ensure the transparent and
informasi secara transparan dan akurat, Sekretaris accurate information delivery, the Corporate Secretary
Perusahaan juga menjalankan fungsi pengawasan also performing supervisory function over the Bank’s
terhadap kepatuhan Bank terhadap ketentuan hukum compliance with the applicable laws and regulations,
serta regulasi yang berlaku, khususnya yang berkaitan particularly those related to the banking sector.
dengan sektor perbankan.
Pedoman Kerja Work Guidelines
Pelaksanaan tugas dan tanggung jawab Sekretaris The Corporate Secretary is implementing its duties
Perusahaan dijalankan berdasarkan ketentuan and responsibilities based on regulatory provisions as
regulator serta pedoman internal Perseroan. Landasan well as the Company’s internal guidelines. The main
utama yang digunakan mencakup Peraturan Otoritas references used are Financial Services Authority
Jasa Keuangan Nomor 35/POJK.04/2014 tentang Regulation Number 35/POJK.04/2014 on Corporate
Sekretaris Perusahaan, serta Surat Keputusan Direksi Secretary and the Board of Directors’ Decree Number
Nomor SK/DIR/026B/II/2023 tentang Pedoman Kerja SK/DIR/026B/II/2023 on Corporate Secretary Division
Satuan Kerja Divisi Corporate Secretary. Work Unit Guidelines.
Profil
Profile
Vanka*
Sekretaris Perusahaan
Corporate Secretary
Warga negara Indonesia, berusia 48 tahun dan berdomisili di Bandung. Indonesian citizen, 48 years old, and domiciled in Bandung.
Meraih gelar Sarjana Hukum pada tahun 2000. Selanjutnya, meraih He obtained a Bachelor of Law in 2000. Next, he obtained Master of
gelar Magister Hukum pada tahun 2026. Beliau telah mendapatkan Law degree in 2026. He received various certifications, namely Level
berbagai sertifikasi, yaitu Sertifikasi Manajemen Risiko Perbankan 5 Banking Risk Management Certification from Risk Management
Jenjang 5 dari Badan Sertifikasi Manajemen Risiko (BSMR), Certification Body (BSMR), Special Education for Advocate
Pendidikan Khusus Profesi Advokat dari Perhimpunan Advokat Professional from the Indonesian Advocates Association (PERADI)
Indonesia (PERADI) serta telah lulus mengikuti Ujian Profesi and passed the Advocate Professional Exam held by the Advocate
Advokat yang diselenggarakan oleh Panitia Ujian Profesi Advokat Professional Examination Committee of the Indonesian Advocates
Perhimpunan Advokat Indonesia (PUPA PERADI). Association (PUPA PERADI).
Sebelum bergabung dengan Bank Capital, beliau berkarier di Kantor Prior to joining Bank Capital, he worked in Trisetya Justice Law
Hukum Trisetya Justice, serta di bidang perbankan yakni PT Bank Office and in banking sector with PT Bank Lippo Tbk, PT Bank UOB
Lippo Tbk, PT Bank UOB Indonesia Tbk, dan PT Bank ICBC Indonesia Indonesia Tbk, and PT Bank ICBC Indonesia, with total experience
dengan total pengalaman di unit kerja hukum perbankan selama in the banking legal sector of 19 years. Subsequently, in 2020,
19 tahun. Selanjutnya, pada tahun 2020 beliau bergabung dengan he joined Bank Capital as the Head of Legal Department from
Bank Capital sebagai Kepala Departemen Hukum sejak 6 Mei 2020. 6 May 2020. Currently, he also serves as the Corporate Secretary
Saat ini beliau juga menjabat sebagai Corporate Secretary sejak since 1 December 2025.
1 Desember 2025.
Beliau tidak memiliki hubungan afiliasi dengan anggota He has no affiliation with members of the Board of Commissioners,
Dewan Komisaris, anggota Direksi, serta Pemegang Saham Utama members of the Board of Directors, as well as Main and Controlling
dan Pengendali. Shareholders.
* Menjabat sejak 1 Desember 2025 / Serving since 1 December 2025.
2025 Annual Report | PT Bank Capital Indonesia Tbk 233
Page 236
Budi Setiadi*
Sekretaris Perusahaan
Corporate Secretary
Warga negara Indonesia, berusia 56 tahun dan berdomisili Indonesian citizen, 56 years old, and domiciled in Bogor. Appointed
di Bogor. Diangkat sebagai Sekretaris Perusahaan pada tahun 2021 as Corporate Secretary in 2021 based on the Board of Directors’
berdasarkan Surat Keputusan Direksi Nomor SK/DIR/009A/II/2021 Decree Number SK/DIR/009A/II/2021 dated 18 February 2021
tanggal 18 Februari 2021 tentang Penetapan Corporate Secretary regarding the Appointment of Corporate Secretary (2021–2025).
(2021–2025).
Meraih gelar Sarjana Administrasi Niaga Program Studi Manajemen He obtained a Bachelor of Business Administration degree
Keuangan dari Universitas Brawijaya pada tahun 1992. Selanjutnya, in Financial Management from Universitas Brawijaya in 1992
meraih gelar Magister Manajemen, Program Studi Manajemen and a Master of Management degree, majoring International
Internasional dari Universitas Indonesia pada tahun 1994. Mengikuti Management from Universitas Indonesia in 1994. He attended
International Banking Program pada The Bank of New York, New the International Banking Program at The Bank of New York, New York,
York dan mengikuti training Assets & Liability Management, and completed training in Asset & Liability Management at the Asian
pada Asian Banking School, Kuala Lumpur. Selain itu, beliau telah Banking School, Kuala Lumpur. In addition, he has obtained various
mendapatkan berbagai sertifikasi, yaitu Sertifikasi Manajemen Risiko certifications, including the Level 5 Banking Risk Management and
Perbankan dan Regulasi Jenjang 5 dari Badan Sertifikasi Manajemen Regulation Certification from the Risk Management Certification
Risiko (BSMR), Certified in Enterprise Risk Governance (CERG) Body (BSMR), Certified in Enterprise Risk Governance (CERG) from
dari ERM Academy, Certified Investor Relations (CIR) dari I2RI, dan the ERM Academy, Certified Investor Relations (CIR) from I2RI, and
Sertifikasi Advanced Treasury dari ACI-FMA Indonesia. the Advanced Treasury Certification from the ACI-FMA Indonesia.
Sebelum bergabung dengan Bank Capital, beliau berkarier di Prior to joining Bank Capital, he worked in PT Bank Permata Tbk
PT Bank Permata Tbk, termasuk ex legacy PT Bank Bali Tbk selama 17 included ex legacy PT Bank Bali Tbk for 17 years in various work units
tahun di berbagai unit kerja antara lain Business Analyst, Forex Sales, including Business Analyst, Forex Sales, Correspondent Banking &
Correspondent Banking & Trade Finance, Financial Institutions, dan Trade Finance, Financial Institutions, and Middle Markets Wholesale
Middle Markets Wholesale Banking. Selanjutnya, pada tahun 2015 Banking. Subsequently, he joined Bank Capital as a Head of Financial
beliau bergabung dengan Bank Capital sebagai Head of Financial Institutions Division in 2015. Currently, he serves as Corporate
Institutions Division. Saat ini beliau menjabat sebagai Corporate Secretary and Head of Treasury & Financial Institutions Division.
Secretary dan Head of Treasury & Financial Institutions Division.
Beliau tidak memiliki hubungan afiliasi dengan anggota He has no affiliation with members of the Board of Commissioners,
Dewan Komisaris, anggota Direksi, serta Pemegang Saham Utama members of the Board of Directors, as well as Main and Controlling
dan Pengendali. Shareholders.
* Menjabat sampai dengan 30 November 2025 / Serving until 30 November 2025.
Tugas dan Tanggung Jawab Duties and Responsibilities
Sekretaris Perusahaan memiliki tugas dan tanggung The Corporate Secretary has the duty and responsibility
jawab untuk mengikuti perkembangan pasar modal to keep abreast of capital market developments,
khususnya regulasi Bursa Efek Indonesia serta particularly Indonesia Stock Exchange regulations, and
memberikan masukan kepada Dewan Komisaris to provide inputs to the Board of Commissioners and/or
dan/atau Direksi terkait pemenuhan ketentuan peraturan Board of Directors on compliance with applicable capital
perundang-undangan di bidang pasar modal. Sekretaris markets related laws and regulations. The Corporate
Perusahaan juga bertugas membantu manajemen Bank Secretary also assists the Bank’s management in
dalam pelaksanaan tata kelola yang meliputi: the implementation of corporate governance, which
includes:
1. Penyampaian keterbukaan informasi kepada 1. Information disclosure to the public;
masyarakat;
2. Penyampaian laporan terkait kepada Otoritas Jasa 2. Submission of relevant reports to the Financial
Keuangan dan masyarakat; Services Authority and the public;
3. Penyelenggaraan dan dokumentasi RUPS; dan 3. Coordinating and documentation of the GMS; and
4. Penyelenggaraan dan dokumentasi rapat 4. Coordinating and documentation of the Board of
Dewan Komisaris dan Direksi. Commissioners and Board of Directors meetings.
Laporan Singkat Pelaksanaan Kegiatan Brief Report on the Implementation of Activities
Sepanjang tahun 2025, Sekretaris Perusahaan Throughout 2025, the Corporate Secretary consistently
senantiasa menjalankan peran dan tanggung jawabnya carried out its roles and responsibilities in accordance
secara konsisten sesuai dengan ketentuan yang berlaku. with the applicable provisions. The implementation of
Pelaksanaan tugas tersebut meliputi: these duties included:
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Tata Kelola Perusahaan
Corporate Governance
1. Mengoordinasikan pelaporan keterbukaan informasi 1. Coordinating the submission of information
kepada regulator, seperti Otoritas Jasa Keuangan, disclosure reports to regulators, such as the Financial
Bursa Efek Indonesia, Bank Indonesia, dan instansi Services Authority, Indonesia Stock Exchange, Bank
terkait lainnya; Indonesia, and other relevant institutions;
2. Menjalin komunikasi dan hubungan dengan profesi 2. Establishing communication and relationships with
penunjang pasar modal, termasuk credit ratings capital market supporting professionals, including
agency, biro administrasi efek, wali amanat, credit rating agencies, securities administration
advertising agency, media, Perhimpunan Bank bureaus, trustees, advertising agencies, media,
Nasional, Asosiasi Emiten Indonesia, serta asosiasi National Banks Association, Indonesian Issuers
lainnya yang relevan; Association, and other relevant associations;
3. Mengoordinasikan penyelenggaraan RUPS Tahunan, 3. Coordinating the organization of the Annual and
RUPS Luar Biasa, serta paparan publik; Extraordinary GGMS, as well as public expose;
4. Mengoordinasikan penyelenggaraan dan 4. Coordinating the organization and documentation
dokumentasi rapat Dewan Komisaris dan Direksi; of Board Commissioners and Board of Directors
meetings;
5. Mengoordinasikan pelaksanaan kegiatan tanggung 5. Coordinating corporate social responsibility
jawab sosial perusahaan; activities;
6. Memelihara dan melakukan pemutakhiran terhadap 6. Maintaining and updating the Bank’s official website;
situs web resmi Bank; dan and
7. Mengoordinasikan penyusunan Laporan Tahunan 7. Coordinating the preparation of the Annual Report
dan Laporan Keberlanjutan untuk tahun buku 2024. and Sustainability Report for the 2024 financial year.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Sepanjang tahun 2025, Sekretaris Perusahaan aktif Throughout 2025, the Corporate Secretary actively
mengikuti program pengembangan kompetensi, participated in the competency development programs,
dengan materi terkait Strategi Mitigasi Risiko Pencucian with materials related to Risk Mitigation Strategy for
Uang di Bank Menghadapi Tipologi Baru Tindak Money Laundering in Banks To Address Emerging
Pidana Pencucian Uang dan Praktik Suap Terkini dan Typologies of Money Laundering and Recent Bribery
Penyelarasan Sertifikat Manajemen Risiko “Dampak Practices and Alignment of Risk Management Certificate
Kondisi Makroekonomi Terhadap Risiko Stratejik, Risiko “Impact of Macroeconomic Conditions on Strategic
Reputasi, dan Risiko Hukum”. Risk, Reputational Risk, and Legal Risk”.
Satuan Kerja Audit Internal Internal Audit Unit
Satuan Kerja Audit Internal (SKAI) merupakan unit The Internal Audit Unit (SKAI) is an independent unit that
independen yang memastikan penerapan audit internal ensures the internal audit is implemented objectively
berjalan secara objektif dan profesional. Melalui aktivitas and professionally. Through activities of evaluation and
evaluasi dan pemberian rekomendasi, SKAI berperan provision of recommendations, SKAI is playing a role
dalam memperkuat efektivitas sistem pengendalian in strengthening the effectiveness of internal control
internal, manajemen risiko, serta proses tata kelola. system, risk management, and governance processes.
Peran ini dijalankan secara berkesinambungan untuk This role is carried continuously to support smooth
mendukung kelancaran operasional dan pencapaian operations and achievement of the Bank’s strategic
tujuan strategis Bank. objectives.
Pedoman Kerja Work Guidelines
Pelaksanaan tugas SKAI dijalankan berdasarkan kerangka SKAI carries out its duties based on a structured
kerja yang terstruktur, mencakup Piagam Audit Internal, framework, which includes the Internal Audit Charter,
Kode Etik, serta manual audit yang dirancang sesuai Code of Conduct, and audit manual which have
dengan Standar Profesional Audit Internal maupun been designed in accordance with the Standards for
ketentuan perundang-undangan yang berlaku. Professional Internal Auditing as well as the applicable
laws and regulations.
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Profil
Profile
Anadia Septasari
Kepala SKAI
Head of SKAI
Warga negara Indonesia, berusia 51 tahun dan berdomisili Indonesian citizen, 51 years old, and domiciled in Jakarta.
di Jakarta. Diangkat sebagai Kepala SKAI pada tahun 2015 Appointed as Head of SKAI in 2015 based on Decision
berdasarkan Keputusan Nomor 013/SDM-Promosi/XII/2015 tanggal Number 013/SDM-Promosi/XII/2015 dated 15 December 2015
15 Desember 2015 tentang Promosi Karyawan (2015-sekarang). regarding Employee Promotion (2015-present).
Meraih gelar Sarjana dari Universitas Mercu Buana pada tahun 1992 She earned her Bachelor’s degree from Universitas Mercu Buana in
dan Magister Manajemen dari Perbanas Institute pada tahun 2016. 1992 and Master of Management from Perbanas Institute in 2016.
Selain itu, beliau telah mendapatkan sertifikasi, yaitu Sertifikasi In addition, she has obtained the Level 5 Banking Risk Management
Manajemen Risiko Perbankan Jenjang 5 dari Badan Sertifikasi Certification from the Risk Management Certification Body (2024)
Manajemen Risiko (2024) dan Sertifikasi Internal Auditor Bank Level and the Bank Internal Auditor Certification – Supervisor Level from
Supervisor dari Lembaga Sertifikasi Profesi Perbankan (2016). the Banking Professional Certification Institute (2016).
Sebelumnya, beliau menjabat sebagai sebagai Staf Auditor PT Bank Previously, she served as Auditor Staff of PT Bank Bahari (1996-1999),
Bahari (1996-1999), Senior Accounting PT Sandi Nusa Kreasindo Senior Accounting of PT Sandi Nusa Kreasindo (1999-2000),
(1999-2000), Staf Audit PT Prabu Pura Motor (2000), Staf Audit Audit Staff of PT Prabu Pura Motor (2000), Audit Staff of PT Bank
PT Bank Mutiara Tbk (2000-2015), dan Kepala Departemen Regional Mutiara Tbk (2000-2015), and Head of Regional Audit Department
Audit Bank Capital (2010-2015). Saat ini, beliau tidak memiliki of Bank Capital (2010-2015). Currently, she holds no concurrent
rangkap jabatan. positions.
Beliau tidak memiliki hubungan afiliasi dengan anggota She has no affiliation with members of the Board of Commissioners,
Dewan Komisaris, anggota Direksi, serta Pemegang Saham Utama members of the Board of Directors, and Main and Controlling
dan Pengendali. Shareholders.
Kedudukan dan Struktur Organisasi Position and Organizational Structure
Dewan Komisaris
Board of Commissioners
Komite Audit
Direktur Utama Audit Committee
President Director
Kepala SKAI
Head of SKAI
Kepala Departemen Audit Kantor
Pusat & Kredit Kepala Departemen Audit Operasional Kepala Departemen Audit IT
Head of Operational Audit Department Head of IT Audit Department
Head of Head Office & Credit Audit
Department
Auditor Auditor Auditor
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Tata Kelola Perusahaan
Corporate Governance
SKAI ditempatkan langsung di bawah pengawasan SKAI is supervised by and reports directly to
dan bertanggung jawab kepada Direktur Utama. President Director. To maintain independence and
Untuk menjaga independensi dan efektivitas fungsi effectiveness of its supervisory function, SKAI also
pengawasan, SKAI juga memiliki jalur komunikasi has direct communication line with the Board of
langsung dengan Dewan Komisaris, baik melalui Commissioners, either through meeting mechanism
mekanisme rapat maupun koordinasi dengan Komite or Audit Committee coordination. SKAI is led by Head
Audit. SKAI dipimpin oleh seorang Kepala SKAI yang of SKAI, who is appointed by the President Director
diangkat oleh Direktur Utama dengan persetujuan upon approval of the Board of Commissioners based
Dewan Komisaris berdasarkan rekomendasi Komite on the recommendations from the Audit Committee,
Audit, serta dilaporkan kepada Otoritas Jasa Keuangan. and is reported to the Financial Services Authority. In
Dalam melaksanakan tugasnya, Kepala SKAI didukung carrying out her duties, the Head of SKAI is supported
oleh struktur organisasi yang terdiri atas Kepala by an organizational structure consisting of Head of
Departemen Audit Operasional, Kepala Departemen Operational Audit Department, Head of Head Office
Audit Kantor Pusat & Kredit, serta Kepala Departemen & Credit Audit Department, and Head of IT Audit
Audit IT, sehingga fungsi audit internal dapat dijalankan Department, allowing a comprehensive and effective
secara menyeluruh dan efektif di seluruh aspek implementation of internal audit function in all aspects
operasional Bank. of the Bank’s operations.
Tugas dan Tanggung Jawab Duties and Responsibilities
Ruang lingkup utama tugas SKAI meliputi: The main scope of SKAI duties are:
1. Membantu tugas Direktur Utama dan 1. Assisting the President Director and the Board
Dewan Komisaris dalam melakukan pengawasan of Commissioners in performing supervisory by
dengan cara menjabarkan secara operasional baik operationalizing planning, execution, and monitoring
perencanaan, pelaksanaan, maupun pemantauan of audit results;
hasil audit;
2. Membuat analisis dan penilaian di bidang keuangan, 2. Conducting analysis and evaluation in the areas of
akuntansi, operasional, dan kegiatan lain melalui finance, accounting, operations, and other activities
audit; through audits;
3. Mengidentifikasi segala kemungkinan untuk 3. Identifying all possibilities to improve and enhance
memperbaiki dan meningkatkan efisiensi the efficiency of resource and fund utilization; and
penggunaan sumber daya serta dana; dan
4. Memberikan saran perbaikan dan informasi yang 4. Providing objective advice for improvement and
objektif tentang kegiatan yang diperiksa pada semua information about the audited activities at all
tingkatan manajemen. management levels.
Selain itu, SKAI bertanggung jawab dalam melaksanakan Furthermore, SKAI is responsible to conduct and
pemeriksaan dan evaluasi terhadap kegiatan Bank, evaluation of the Bank’s activities, including:
mengenai:
1. Efektivitas, efisiensi, dan kecukupan sistem 1. The effectiveness, efficiency, and adequacy of
pengendalian internal, manajemen risiko, dan tata the internal control system, risk management, and
kelola secara berkesinambungan; governance on a continuous basis;
2. Keandalan, efektivitas, integritas dari proses, dan 2. The reliability, effectiveness, and integrity of
sistem manajemen informasi, termasuk relevansi, processes and information management systems,
akurasi, kelengkapan, ketersediaan, serta kerahasiaan including relevance, accuracy, completeness,
data; availability, and confidentiality of data;
3. Kepatuhan terhadap ketentuan peraturan 3. Compliance with law and regulations; and
perundang-undangan; dan
4. Kualitas kinerja organisasi. 4. The quality of the organization’s performance.
Sementara itu, Kepala SKAI juga bertanggung jawab Meanwhile, the Head of SKAI is also responsible for:
untuk:
1. Memastikan pelaksanaan fungsi audit internal sesuai 1. Ensuring the implementation of internal audit
dengan standar profesional audit internal dan Kode functions in accordance with internal audit
Etik Audit Internal; professional standards and the Internal Audit Code
of Conduct;
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2. Memilih sumber daya manusia yang kompeten sesuai 2. Selecting competent human resources according to
dengan kebutuhan dalam pelaksanaan tugas SKAI; the needs in carrying out SKAI tasks;
3. Memastikan anggota SKAI mengikuti pengembangan 3. Ensuring SKAI members follow continuous
profesional berkelanjutan serta pelatihan lain sesuai professional development and other training in
dengan perkembangan kompleksitas dan kegiatan line with the complexity and business activities of
usaha Bank; the Bank;
4. Menyusun dan mengkaji Piagam Audit Intern secara 4. Preparing and reviewing Internal Audit Charter
periodik; periodically;
5. Menyusun rencana audit tahunan dan alokasi 5. Preparing an annual audit plan and budget allocation
anggaran untuk pelaksanaan fungsi audit internal; for the implementation of internal audit functions;
6. Memastikan pelaksanaan audit internal sesuai 6. Ensuring the implementation of internal audits in
dengan rencana audit internal; accordance with the internal audit plan;
7. Melaporkan temuan yang signifikan kepada Direksi 7. Reporting significant findings to the Board of
untuk dilakukan tindakan perbaikan dalam waktu Directors for immediate corrective action;
yang cepat;
8. Memantau tindakan perbaikan atas temuan yang 8. Monitoring corrective actions for significant
signifikan; findings;
9. Melaporkan hasil pemantauan tindak lanjut perbaikan 9. Reporting the results of monitoring corrective
atas temuan yang signifikan kepada Direksi dan actions on significant findings to the Board of
Dewan Komisaris, dengan tembusan kepada Directors and Board of Commissioners, with a copy
Komite Audit dan Direktur yang membawahi fungsi to the Audit Committee and the Director overseeing
kepatuhan; compliance functions;
10. Memastikan dalam hal terdapat penggunaan jasa 10. Ensuring that in the event of the use of external
pihak eksternal untuk aktivitas audit internal: services for internal audit activities:
a. Terselenggaranya transfer pengetahuan antara a. There is a transfer of knowledge from external
pihak eksternal kepada anggota SKAI dengan parties to SKAI members, considering the use of
mempertimbangkan penggunaan jasa ahli pihak external expert services is temporary;
eksternal bersifat sementara;
b. Penggunaan jasa pihak eksternal tidak b. The use of external services does not affect
memengaruhi independensi dan objektivitas the independence and objectivity of the SKAI
fungsi SKAI; dan function; and
c. Pihak eksternal mematuhi Piagam Audit Intern c. External parties comply with the Bank’s Internal
Bank. Audit Charter.
Audit Rating System Audit Rating System
Seiring perkembangan Bank, SKAI telah melakukan In line with the Bank’s development, SKAI has made
berbagai penyempurnaan metodologi yang mengacu various improvements to the methodology referring to
pada risk-based audit, salah satunya audit rating system risk-based audit, one of which is the audit rating system
berbasis Committee of Sponsoring Organizations of based on the Committee of Sponsoring Organizations
the Treadway Commission (COSO) framework untuk of the Treadway Commission (COSO) framework to
mengukur efektivitas pengendalian internal dari sudut measure the effectiveness of internal control from
pandang 5 komponen risiko dan memasukkan unsur the perspective of 5 risk components and includes
punishment serta reward bagi Auditee. elements of punishment and reward for Auditee.
Audit rating system akan menghasilkan nilai yang The audit rating system will produce a score that
menentukan pemberian predikat bagi Auditee di mana determines the rating for the Auditee out of 5 rating
untuk predikat tersebut terbagi dalam 5 kategori, yaitu categories: strong, satisfactory, fair, marginal, and
strong, satisfactory, fair, marginal, dan unsatisfactory. unsatisfactory. The rating given is expected to encourage
Predikat yang diberikan diharapkan dapat memacu the Auditee to achieve the best rating, thereby indirectly
Auditee mencapai predikat terbaik sehingga secara improving the management of inherent risks in every
tidak langsung meningkatkan pengelolaan risiko yang Bank activity.
melekat dalam setiap aktivitas Bank.
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Tata Kelola Perusahaan
Corporate Governance
Fungsi Audit Internal Internal Audit Function
Bank menerapkan fungsi audit internal sebagai bagian The Bank is implementing the internal audit function
dari sistem pengendalian internal yang bertujuan as part of internal control system, aiming to provide an
untuk memberikan penilaian independen dan objektif independent and objective assessment of the adequacy
atas kecukupan dan efektivitas pengendalian internal, and effectiveness of the Bank’s internal controls, risk
manajemen risiko, dan tata kelola Bank. Fungsi audit management, and governance. The internal audit
internal dilaksanakan oleh SKAI yang independen dari function is conducted by SKAI, which is independent
kegiatan operasional serta memiliki wewenang dan from operational activities and possess sufficient
akses yang memadai dalam menjalankan tugasnya. authority and access in conducting its duties.
Pelaksanaan fungsi audit internal dilakukan sesuai The internal audit function is conducted in accordance
dengan rencana audit tahunan yang berbasis risiko with the annual risk-based audit plan and refers to
dan mengacu pada ketentuan Otoritas Jasa Keuangan the provisions of the Financial Services Authority on
mengenai penerapan fungsi audit internal pada bank the implementation of internal audit function in
umum. Bank juga menjalin komunikasi secara berkala commercial banks. The Bank also maintains regular
dengan Otoritas Jasa Keuangan guna meningkatkan communication with the Financial Services Authority
efektivitas pelaksanaan fungsi audit internal serta to improve the effectiveness of internal audit function,
memastikan tindak lanjut yang memadai atas temuan and to ensure adequate follow-up on findings and
dan rekomendasi yang disampaikan. recommendations submitted.
Selain itu, dalam menerapkan fungsi audit internal Further, in implementing the internal audit function,
Dewan Komisaris bertanggung jawab untuk: the Board of Commissioners is responsible for:
1. Memastikan Direksi menyusun dan memelihara 1. Ensuring the Board of Directors establishes and
sistem pengendalian internal yang memadai, efektif, maintains adequate, effective, and efficient internal
dan efisien; control system;
2. Mengkaji efektivitas dan efisiensi sistem 2. Reviewing the effectiveness and efficiency of
pengendalian internal berdasarkan laporan dan internal control system based on reports and
informasi dari SKAI paling sedikit 1 kali dalam 1 tahun; information from SKAI at least once a year; and
dan
3. Menunjuk pengendali mutu independen dari pihak 3. Appointing an independent external quality
eksternal untuk melakukan kaji ulang atas kinerja controller to review the performance of SKAI, by
SKAI dengan mempertimbangkan rekomendasi taking into account the recommendations of Audit
Komite Audit. Committee.
Adapun tanggung jawab Direksi dalam penerapan fungsi Meanwhile, the Board of Directors’ responsibilities in
audit internal sebagai berikut: the implementation of internal audit function are as
follows:
1. Mengembangkan dan memelihara kerangka 1. Developing and maintaining an adequate internal
pengendalian internal yang memadai guna control framework to identify, measure, monitor, and
mengidentifikasi, mengukur, memantau, dan control all of the Bank’s risks;
mengendalikan seluruh risiko Bank;
2. Memastikan SKAI memperoleh informasi yang 2. Ensuring SKAI obtains all relevant information related
relevan terkait perkembangan kegiatan usaha, to business developments, strategic initiatives,
inisiatif strategis, proyek, produk, perubahan projects, products, operational changes, as well as
operasional, serta risiko yang diidentifikasi; the identified risks;
3. Memastikan tindak lanjut yang optimal atas seluruh 3. Ensuring optimal follow-up on all SKAI findings and
temuan dan rekomendasi SKAI; dan recommendations; and
4. Menyediakan sumber daya dan anggaran yang 4. Providing adequate resources and budget to Head
memadai bagi Kepala SKAI untuk mendukung of SKAI to support the implementation of the annual
pelaksanaan rencana audit tahunan. audit plan.
Jumlah Personel dan Sertifikasi Total Personnel and Certification
Seluruh anggota SKAI dibekali dengan latar belakang All SKAI members possess relevant educational
pendidikan dan kompetensi yang relevan guna backgrounds and competencies to support
mendukung pelaksanaan fungsi audit secara profesional. the professional implementation of internal audit
2025 Annual Report | PT Bank Capital Indonesia Tbk 239
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Untuk memperkuat kapasitas dan kredibilitas, para function. To further strengthen its capacity and
auditor juga telah memperoleh sertifikasi di bidang credibility, the auditors have also been certified in
manajemen risiko perbankan sesuai dengan ketentuan the field of banking risk management as required in
yang ditetapkan oleh regulator. Pada tahun 2025, the provisions set out by the regulator. In 2025, SKAI
SKAI beranggotakan 16 pegawai, dengan sejumlah had 16 employees, with several of them successfully
di antaranya berhasil meraih berbagai sertifikasi berikut: obtained the following certifications:
Level Sertifikasi Jumlah Pemegang Sertifikasi Penyelenggara
Certification Level Total Certification Holders Organizer
Sertifikasi Manajemen Risiko / Risk Management Certification
Jenjang 4 12 Orang Lembaga Sertifikasi Profesional Perbankan
Level 4 12 People Professional Banking Certification Institute
Jenjang 5 4 Orang Lembaga Sertifikasi Profesional Perbankan
Level 5 4 People Professional Banking Certification Institute
Sertifikasi Auditor Internal / Internal Auditor Certification
9 Orang Lembaga Sertifikasi Profesional Perbankan
Certified Bank Internal Audit Level Auditor
9 People Professional Banking Certification Institute
Certified Bank Internal Audit Level 6 Orang Lembaga Sertifikasi Profesional Perbankan
Supervisor 6 People Professional Banking Certification Institute
1 Orang Yayasan Pendidikan Internal Audit
Qualified Internal Auditor
1 People Internal Audit Education Foundation
Certified Information Systems Auditor 2 Orang Information System Audit and Control
(CISA) 2 People Association (ISACA)
Rapat Meetings
SKAI menjalin koordinasi yang erat dengan Komite SKAI maintains close coordination with Audit Committee
Audit melalui penyelenggaraan rapat rutin, sekurang- by holding periodical meetings, at least once a month.
kurangnya 1 kali setiap bulan. Forum ini menjadi sarana This forum serve as an important platform for SKAI to
penting bagi SKAI untuk menyampaikan laporan hasil present audit results report, discuss audit plans and
pemeriksaan, membahas rencana serta pelaksanaan implementation, review the findings, and formulate
audit, mengkaji temuan yang diperoleh, sekaligus the necessary follow-up actions. Throughout 2025,
merumuskan langkah tindak lanjut yang diperlukan. SKAI held 12 meetings with Audit Committee, with
Sepanjang tahun 2025, SKAI telah melaksanakan discussion agendas including planning and realization of
12 kali rapat bersama Komite Audit, dengan agenda audits throughout 2025, audit findings, and follow up of
pembahasan yang meliputi rencana dan realisasi audit results.
audit di sepanjang tahun 2025, temuan-temuan hasil
pemeriksaan, dan tindak lanjut dari hasil pemeriksaan.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Pada tahun 2025, SKAI secara aktif mengikuti berbagai In 2025, SKAI members actively participated in various
program pelatihan dan pengembangan kompetensi yang training and competency development programs
diselenggarakan baik oleh lembaga internal maupun organized either by internal and external institutions, as
eksternal, yang diungkapkan sebagai berikut: disclosed in the following table:
Materi Pelatihan Jumlah Anggota SKAI yang Hadir
Training Topic Total SKAI Member Attending
Growing Together Reaching Higher 14
Impactful Leadership Through Character 9
Refreshment Sertifikasi Manajemen Risiko Jenjang 4
11
Refreshment on Level 4 Risk Management Certification
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Tata Kelola Perusahaan
Corporate Governance
Materi Pelatihan Jumlah Anggota SKAI yang Hadir
Training Topic Total SKAI Member Attending
Refreshment Sertifikasi Manajemen Risiko Jenjang 5
4
Refreshment on Level 5 Risk Management Certification
Strategi Mitigasi Risiko Pencucian Uang di Bank Menghadapi Tipologi Baru Tindak Pidana
Pencucian Uang dan Praktik Suap Terkini
10
Risk Mitigation Strategy for Money Laundering in Banks To Address Emerging Typologies of
Money Laundering and Recent Bribery Practices
Pelaksanaan Kerja Execution of Duty
Sepanjang tahun 2025, SKAI memusatkan aktivitasnya Throughout 2025, SKAI focused its activities on
pada sejumlah prioritas strategis berikut: the following strategic priorities:
1. Audit terhadap pelaksanaan operasional dan 1. Audit of operational implementation and compliance
kepatuhan kantor cabang/cabang pembantu dan of branch/sub-branch offices and divisions/
divisi/departemen kantor pusat; departments at head office;
2. Audit terhadap pengamanan teknologi informasi 2. Audit of the security of the information technology
yang digunakan oleh Bank; dan used by the Bank; and
3. Audit terhadap penyaluran kredit yang diberikan oleh 3. Audit of the disbursement of credit granted by
Bank. the Bank.
Sebagai bagian dari penerapan GCG, Bank melaksanakan As part of the implementation of GCG, the Bank carries
evaluasi berkala atas kinerja SKAI guna memastikan out periodic evaluation of SKAI performance to ensure
kesesuaian dengan Standar Pelaksanaan Fungsi Audit compliance with Standards for the Implementation
Internal Bank. Selain evaluasi internal yang dilakukan of Bank Internal Audit Functions. Other than periodic
secara rutin, penilaian eksternal dilaksanakan setiap internal evaluation, there is an external assessment once
3 tahun sekali. Untuk periode 2021–2023, evaluasi every 3 years. For the 2021–2023 period, the external
eksternal dilakukan oleh Kantor Akuntan Publik Sriyadi evaluation was carried out by Public Accounting Firm
Elly, Sugeng & Rekan, dengan hasil penilaian tertuang Sriyadi Elly, Sugeng & Rekan, with assessment results
dalam Laporan Nomor 004/SES-BCI/PA/SKAI/VIII/2023 in Report Number 004/SES-BCI/PA/SKAI/VIII/2023
tanggal 10 Agustus 2023. dated 10 August 2023.
Efektivitas dan Cakupan Audit Internal dalam Effectiveness and Scope of Internal Audit
Menilai Seluruh Aspek dan Unsur Kegiatan Bank in Assessing All Aspects and Elements
of the Bank’s Activities
Audit internal Bank dilaksanakan secara efektif dan The Bank’s internal audit is conducted effectively
komprehensif dengan cakupan penilaian atas seluruh and comprehensively, with assessment coverage
aspek dan unsur kegiatan Bank, meliputi operasional, on all aspects and elements of the Bank’s activities,
keuangan, manajemen risiko, kepatuhan, teknologi including operations, finance, risk management,
informasi, dan tata kelola, melalui pendekatan berbasis compliance, information technology, and governance,
risiko dan rencana audit tahunan. Efektivitas audit with risk-based approach and annual audit plan.
internal tercermin dari kemampuan SKAI dalam The effectiveness of internal audit is seen in SKAI
mengidentifikasi kelemahan pengendalian internal, capability to identify internal control weaknesses,
memberikan rekomendasi perbaikan yang relevan, serta provide relevant improvement recommendations,
memantau tindak lanjut secara berkelanjutan, yang and constansly monitor the follow-up actions, and
hasilnya dilaporkan kepada Direksi dan Dewan Komisaris report the results to Board of Directors and Board of
guna mendukung peningkatan kualitas pengendalian Commissioners to support quality improvement in
internal, kepatuhan, dan penerapan GCG. internal control, compliance, and GCG implementation.
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Audit Eksternal
External Audit
Audit atas Laporan Keuangan Bank tahun buku 2025 Audit of the Bank’s Financial Statements for the 2025
dilaksanakan oleh akuntan publik independen dengan financial year was conducted by an independent public
berpedoman pada Peraturan Otoritas Jasa Keuangan accountant by referring to Financial Services Authority
Nomor 32/POJK.03/2016 serta Standar Profesional Regulation Number 32/POJK.03/2016, as well as
Akuntan Publik. Dalam prosesnya, Bank menjalin Professional Public Accountant Standards. In the audit
koordinasi secara intensif dengan auditor eksternal process, the Bank maintained intensive coordination
melalui pertemuan rutin guna memastikan pelaksanaan with external auditor through regular meetings to ensure
audit sesuai dengan standar yang berlaku, ruang the audit was done in line with applicable standards,
lingkup yang telah ditetapkan, serta target waktu yang the agreed audit scope, and established timeline.
disepakati.
Mekanisme Penunjukan Mechanism for Appointing
Kantor Akuntan Publik a Public Accounting Firm
Proses penunjukan kantor akuntan publik dilakukan The appointment process of public accounting firm
dengan mengacu pada ketentuan Peraturan was carried out in accordance with the provisions of
Otoritas Jasa Keuangan Nomor 9 Tahun 2023. Bank the Financial Services Authority Regulation
telah menetapkan Kantor Akuntan Publik Suharli, Number 9 of 2023. The Bank appointed
Sugiharto dan Rekan, dengan Akuntan Publik Nico the Public Accounting Firm Suharli, Sugiharto and
Hernando Novianto, CPA, sebagai auditor untuk Partners, with Public Accountant Nico Hernando
Laporan Keuangan tahun buku 2025 berdasarkan Novianto, CPA, as the auditor for the Financial Statements
keputusan RUPS Tahunan 2025. Penunjukan ini for the 2025 fiscal year, based on the resolution of
dilakukan sesuai rekomendasi Komite Audit yang the 2025 Annual GMS. The appointment was made
disampaikan kepada Dewan Komisaris melalui Surat following the recommendation of the Audit Committee,
Nomor Memo/KA/11/XI/2025 dan Surat submitted to the Board of Commissioners through Letter
Dewan Komisaris Nomor 002/BCI-KOM/XII/2025. Number Memo/KA/11/XI/2025 and the Board of
Commissioners’ Letter Number 002/BCI-KOM/XII/2025.
Kantor akuntan publik bertanggung jawab melaksanakan The public accounting firm is responsible to audit and
audit dan menerbitkan laporan audit atas Laporan issuing audit report on the Bank’s Financial Statements,
Keuangan Bank untuk periode yang berakhir pada including for the period ending 31 December 2025.
31 Desember 2025. Selain audit Laporan Keuangan, Other than audit on the Financial Statements, the public
kantor akuntan publik tidak memberikan jasa non-audit accounting firm does not provide non-audit services
pada tahun 2025. in 2025.
Informasi penggunaan kantor akuntan publik dalam Information on the use of the public accounting firm in
5 tahun terakhir ditunjukkan sebagai berikut: the past 5 years is shown below:
Tahun Audit Kantor Akuntan Publik Nama Akuntan Publik
Audit Year Public Accounting Firm Public Accountant
Suharli, Sugiharto & Rekan
2025 Nico Hernando Novianto, CPA
Suharli, Sugiharto & Partners
Y. Santosa & Rekan
2024 Yahya Santosa
Y. Santosa & Partners
Y. Santosa & Rekan
2023 Yahya Santosa
Y. Santosa & Partners
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Tata Kelola Perusahaan
Corporate Governance
Tahun Audit Kantor Akuntan Publik Nama Akuntan Publik
Audit Year Public Accounting Firm Public Accountant
Y. Santosa dan Rekan
2022 Yahya Santosa
Y. Santosa and Partners
Y. Santosa dan Rekan
2021 Yahya Santosa
Y. Santosa and Partners
Koordinasi Akuntan Publik dengan Auditor Coordination of Public Accountant with
Internal dan Komite Audit Internal Auditor and Audit Committee
Bank senantiasa menjaga koordinasi yang efektif antara The Bank always maintaining effective coordination
akuntan publik, auditor internal, dan Komite Audit among the public accountant, internal auditors, and
sebagai bagian dari upaya memastikan proses audit Audit Committee as part of its efforts to ensure
berlangsung lancar dan transparan. Melalui pertemuan the smooth running and transparent audit process.
rutin, seluruh pihak membahas berbagai isu yang Through regular meetings, all parties discuss various
relevan, termasuk penyelarasan pandangan atas temuan relevant issues, including alignment of perspectives
audit. Upaya ini dilakukan untuk menjamin pelaksanaan on audit findings. These efforts are taken to ensure
audit sesuai standar profesional, ruang lingkup yang the audit is done in line with professional standards,
telah ditetapkan, serta penyelesaian tepat waktu sesuai established scope, and timely completion in line with
target yang disepakati. agreed targets.
Efektivitas Audit Eksternal dan Kepatuhan Effectiveness of External Audit and
terhadap Ketentuan Hubungan dengan Compliance with Provisions Governing
Akuntan Publik dan Otoritas Jasa Keuangan Relationships with Public Accountants and
the Financial Services Authority
Bank menerapkan fungsi audit eksternal secara The Bank is effectively implementing external audit
efektif sebagai bagian dari upaya menjaga integritas, function as part of its efforts to maintain the integrity,
transparansi, dan keandalan Laporan Keuangan. transparency, and reliability of its Financial Statements.
Pelaksanaan audit eksternal dilakukan oleh akuntan The external audit is performed by independent,
publik dan/atau kantor akuntan publik yang independen, competent public accountant and/or public accounting
kompeten, serta terdaftar dan memenuhi ketentuan firm, registered with and meets the Financial Services
Otoritas Jasa Keuangan. Bank memastikan bahwa Authority’s requirements. The Bank ensures relationship
hubungan dengan akuntan publik dan/atau kantor with public accountant and/or public accounting firm is
akuntan publik dilaksanakan sesuai dengan prinsip done in accordance with the principles of independence,
independensi, objektivitas, dan profesionalisme, objectivity, and professionalism, including in
termasuk dalam proses penunjukan, ruang lingkup audit, the appointment process, audit scope, and
serta komunikasi hasil audit. Selain itu, Bank mematuhi communication of audit results. Also, the Bank complies
seluruh ketentuan yang mengatur hubungan antara Bank, with all provisions governing the relationship between
akuntan publik dan/atau kantor akuntan publik, serta the Bank, public accountant and/or public accounting
Otoritas Jasa Keuangan, termasuk kewajiban pelaporan firm, and Financial Services Authority, including
dan penyampaian informasi secara tepat waktu. Hasil obligations related to reporting and timely information
audit eksternal dimanfaatkan sebagai dasar evaluasi dan submission. Results of external audit are used as basis
perbaikan berkelanjutan guna meningkatkan kualitas of evaluation and continuous improvement to enhance
tata kelola dan pengendalian internal Bank. quality of governance and internal control of the Bank.
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Sistem Pengendalian Internal
Internal Control System
Bank senantiasa memperkuat sistem pengendalian The Bank constantly strengthening its internal control
internal yang diterapkan secara menyeluruh pada system, which is implemented across all activities and
setiap aktivitas dan unit kerja. Langkah ini ditujukan work units. This measure aims to ensure operational
untuk menjamin efektivitas dan efisiensi operasional, effectiveness and efficiency, reliability of financial
keandalan pelaporan keuangan, kepatuhan terhadap reporting, compliance with regulatory requirements,
ketentuan regulator, serta pengelolaan risiko yang and more measurable risk management. As part of
lebih terukur. Sebagai bagian dari praktik GCG, Bank GCG practices, the Bank implements three lines of
mengimplementasikan kerangka three lines of defense defense framework as layered protection mechanism in
yang berfungsi sebagai mekanisme perlindungan safeguarding the quality of internal control, with clearly
berlapis dalam menjaga kualitas pengendalian internal, defined roles and responsibilities in every line. The three
dengan peran dan tanggung jawab yang jelas pada lines of defense framework is implemented as follows:
setiap lini. Adapun penerapan kerangka three lines of
defense sebagai berikut:
Lini Pertama Peran dari pada pemilik risiko/risk taking unit (unit bisnis) dalam fungsinya mengelola aspek internal control
di unit kerjanya.
First Line of Defense The role of the risk owner/risk-taking unit (business unit) in managing the internal control aspect within its
work unit.
Lini Kedua Satuan Kerja Manajemen Risiko bersama Satuan Kerja Kepatuhan melakukan pendefinisian, penyempurnaan
dan pemeliharaan metodologi pengelolaan risiko, memastikan kecukupan mitigasi risiko, kebijakan dan
prosedur, serta melakukan koordinasi/memfasilitasi aktivitas pengelolaan risiko operasional secara
menyeluruh.
Second Line of Defense The Risk Management Unit, along with the Compliance Unit, defines, refines, and maintains risk management
methodology, ensures adequate risk mitigation and policies and procedures, and coordinates/facilitates
the management of operational risk comprehensively.
Lini Ketiga SKAI secara independen memastikan bahwa semua risiko yang melekat (inherent risk) telah dikelola sehingga
risiko residual sesuai dengan toleransi risiko yang telah disepakati dan risk appetite yang ditetapkan Bank.
Third Line of Defense SKAI independently ensures that all inherent risks have been managed so that the residual risk aligns with
the Bank’s agreed risk tolerance and established risk appetite.
Sistem pengendalian internal Bank disusun The Bank’s internal control system is prepared
dengan mengacu pada ketentuan regulator, by referring to regulatory provisions, particularly
khususnya Surat Edaran Otoritas Jasa Keuangan Financial Services Authority Circular Letter
Nomor 35/SEOJK.03/2017 tentang Standar Sistem Number 35/SEOJK.03/2017 on Standard Internal
Pengendalian Intern bagi Bank Umum. Ketentuan tersebut Control System for Commercial Banks. These provisions
menjadi acuan utama dalam memastikan pengendalian serve as the primary reference to ensure that internal
internal berjalan secara terstruktur, konsisten, dan controls are implemented in a structured, consistent
selaras dengan praktik tata kelola yang sehat. Dalam manner, and aligned with sound governance practices.
penerapannya, sistem pengendalian internal Bank In practice, there are 5 main components included in
mencakup 5 komponen pokok yang menjadi pilar utama the Bank’s internal control, serving as the key pillars in
dalam menjaga efektivitas pengendalian, yaitu: maintaining the effectiveness of controls, as described
below:
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Tata Kelola Perusahaan
Corporate Governance
Komponen Pokok Pengendalian Internal Implementasi di Bank
Fundamental Components of Internal Control Implementation at the Bank
Pengawasan oleh Manajemen dan Budaya Salah satu bentuk pengendalian internal yang diterapkan oleh Bank adalah
Pengendalian melakukan pengawasan aktif oleh Dewan Komisaris, Direksi, dan divisi/satuan kerja
dan unit kerja terkait secara berjenjang dengan fungsi kontrol utama melekat pada
masing-masing pejabatnya sebagai risk owner.
• Dewan Komisaris betanggung jawab untuk:
• Mengesahkan dan mengkaji ulang secara berkala terhadap kebijakan dan
strategi usaha Bank secara keseluruhan;
• Memahami risiko utama yang dihadapi Bank, menetapkan tingkat risiko yang
dapat ditolerir (risk tolerance), dan memastikan bahwa Direksi telah melakukan
langkah-langkah yang diperlukan untuk mengidentifikasi, mengukur,
memantau, dan mengendalikan risiko tersebut; dan
• Memastikan bahwa Direksi telah memantau efektivitas pelaksanaan sistem
pengendalian internal.
• Direksi bertanggung jawab untuk:
• Melaksanakan kebijakan dan strategi yang telah disetujui oleh
Dewan Komisaris;
• Mengembangkan prosedur untuk mengidentifikasi, mengukur, memantau, dan
mengendalikan risiko yang dihadapi Bank;
• Membuat suatu struktur organisasi yang mencerminkan kewenangan,
tanggung jawab, dan hubungan pelaporan yang jelas;
• Memastikan bahwa pendelegasian wewenang berjalan secara efektif yang
didukung oleh penerapan akuntabilitas yang konsisten; dan
• Menetapkan kebijakan dan strategi serta prosedur pengendalian internal.
Dewan Komisaris dan Direksi memiliki tanggung jawab yang sama dalam
meningkatkan etika kerja dan integritas yang tinggi serta menciptakan suatu
budaya kepada seluruh karyawan mengenai pentingnya pengendalian internal. Oleh
karenanya, Bank perlu memperhatikan dan melakukan hal berikut:
• Dewan Komisaris dan Direksi menjadi role model bagi seluruh karyawan atau
memiliki komitmen pribadi yang tinggi terhadap pengembangan Bank yang
sehat;
• Dewan Komisaris dan Direksi mampu mengelola sumber daya manusia, termasuk
dalam proses penempatan karyawan yang sesuai dengan keterampilan,
pengetahuan, dan perilakunya; dan
• Meningkatkan kesadaran seluruh karyawan Bank mengenai pentingnya efektivitas
pelaksanaan tugas dan tanggung jawab masing-masing dan selanjutnya
karyawan mengomunikasikan pada pihak manajemen yang terkait mengenai
setiap permasalahan yang terjadi.
Management Supervision and Control Culture One form of internal control implemented by the Bank is active supervision by
the Board of Commissioners, the Board of Directors, and relevant divisions/units
and work units hierarchically with the main control function inherent in each officer
as a risk owner.
• The Board of Commissioners is responsible for:
• Endorsing and periodically reviewing the Bank’s overall business policies and
strategies;
• Understanding the main risks faced by the Bank, setting the risk tolerance
level, and ensuring that the Board of Directors have taken the necessary steps
to identify, measure, monitor, and control these risks; and
• Ensuring that the Board of Directors has monitored the effectiveness of
the implementation of the internal control system.
• The Board of Directors are responsible for:
• Implementing policies and strategies approved by the Board of Commissioners;
• Developing procedures to identify, measure, monitor, and control the risks
faced by the Bank;
• Creating an organizational structure that reflects clear authority,
responsibilities, and reporting relationships;
• Ensuring that the delegation of authority is effectively implemented,
supported by the consistent application of accountability; and
• Establishing policies, strategies, and internal control procedures.
The Board of Commissioners and the Board of Directors share the same
responsibility in enhancing work ethics and high integrity and creating a culture
among all employees about the importance of internal control. Therefore,
the Bank needs to pay attention to and do the following:
• The Board of Commissioners and the Board of Directors serve as role models for
all employees or have a high personal commitment to the healthy development
of the Bank;
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Komponen Pokok Pengendalian Internal Implementasi di Bank
Fundamental Components of Internal Control Implementation at the Bank
• The Board of Commissioners and the Board of Directors possess the capability
to manage human resources, which includes strategically positioning employees
based on the skills, knowledge, and conduct; and
• Increase the awareness of all Bank employees about the importance of effectively
executing their individual duties and responsibilities, and employees are
encouraged to communicate any issues that arise to the relevant management.
Identifikasi dan Penilaian Risiko Dalam mengelola risiko yang melekat pada setiap aktivitas Bank, Direksi mengambil
langkah awal dengan melakukan identifikasi melalui analisa dan penilaian terhadap
risiko yang dihadapi oleh Bank. Berbagai faktor yang dikaitkan dengan kondisi Bank
yang berpengaruh terhadap munculnya risiko, di antaranya:
• Perubahan kegiatan operasional Bank;
• Perubahan susunan personalia;
• Perubahan sistem informasi;
• Perkembangan teknologi;
• Pengembangan jasa, produk, atau kegiatan baru;
• Terjadinya penggabungan usaha (merger), konsolidasi, akuisisi, dan restrukturisasi
Bank;
• Perubahan hukum dan peraturan; dan
• Perubahan perilaku serta ekspektasi nasabah.
Dengan menerapkan sistem pengendalian internal yang efektif, Bank perlu secara
terus menerus mengidentifikasi dan menilai risiko yang dapat memengaruhi
pencapaian sasaran. Penilaian tersebut mencakup semua risiko yang dihadapi, baik
oleh risiko individual maupun secara keseluruhan (aggregate), yang meliputi risiko
kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko hukum, risiko reputasi,
risiko strategis, dan risiko kepatuhan. Bank akan selalu melakukan pengkajian
terhadap pengendalian internal secara tepat dalam hal terdapat risiko yang belum
dikendalikan, baik risiko yang sebelumnya sudah ada maupun risiko yang baru
muncul. Pengkajian ulang tersebut dilakukan antara lain dengan terus mengevaluasi
pengaruh dari setiap perubahan lingkungan dan kondisi serta dampak dari
pencapaian target atau efektivitas pengendalian internal dalam kegiatan operasi
dan organisasi Bank.
Risk Identification and Assessment In managing inherent risk in each Bank activity, the Board of Directors takes
the initial step by identifying the risks faced by the Bank through analysis and
assessment. Various factors associated with the Bank’s condition that affect
the occurrence of risk, including:
• Changes in the Bank’s operational activities;
• Changes in personnel composition;
• Changes in the information system;
• Technological developments;
• Development of new services, products, or activities;
• Mergers, consolidations, acquisitions, and restructuring of the Bank;
• Changes in laws and regulations; and
• Changes in customer behavior and their expectations.
By implementing an effective internal control system, the Bank needs to
continuously identify and assess risks that can affect the achievement of
objectives. The assessment encompasses all risks faced, both individual and
aggregate, which include credit risk, market risk, liquidity risk, operational risk,
legal risk, reputation risk, strategic risk, and compliance risk. The Bank consistently
reviews the internal control system, particularly when there are risks that have
not been adequately managed, encompassing both pre-existing risks and
newly emerged ones. This review process involves a continuous assessment
of the impact of any changes in the environment and conditions, as well as
the implications of target achievement or the efficacy of internal control on
the Bank’s operational and organizational activities.
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Tata Kelola Perusahaan
Corporate Governance
Komponen Pokok Pengendalian Internal Implementasi di Bank
Fundamental Components of Internal Control Implementation at the Bank
Kegiatan Pengendalian dan Pemisahan Fungsi Dewan Komisaris dan Direksi menerapkan pengendalian terhadap risiko yang
ada. Maka dari itu, Dewan Komisaris dan Direksi telah memberikan arahan yang
diwujudkan dalam bentuk penyusunan kebijakan dan prosedur. Dalam hal ini, laporan
yang disajikan oleh SKAI secara tepat waktu akan membantu Dewan Komisaris dan
Direksi dalam menilai kepatuhan karyawan dalam mengimplementasikan arahan
yang diberikan serta implikasi dari pelaksanaan tersebut. Maksud dari pemisahan
fungsi adalah agar setiap orang dengan jabatannya tidak memiliki peluang untuk
melakukan dan menyembunyikan kesalahan atau penyimpangan dalam pelaksanaan
tugasnya pada seluruh jenjang organisasi dan seluruh langkah kegiatan operasional.
Dalam hal ini, Bank mematuhi prinsip pemisahan fungsi ini, yang dikenal sebagai
“four-eyes principle”.
Control Activities and Segregation of Functions The Board of Commissioners and the Board of Directors implement control over
existing risks. Therefore, the Board of Commissioners and the Board of Directors
have given directions that are realized in the form of policy and procedure
formulation. In this case, the report presented by SKAI in a timely manner will
assist the Board of Commissioners and the Board of Directors in assessing
employee compliance in implementing the given directions and the implications of
the implementation. The purpose of the segregation of functions is to ensure that
each individual, in their respective positions, does not have the opportunity to
commit and conceal errors or deviations in the implementation of their duties at all
levels of the organization and all steps of operational activities. In this regard, the
Bank adheres to this principle of segregation of functions, known as the “four-eyes
principle”.
Sistem Akuntansi, Informasi, dan Komunikasi Sistem akuntansi terdiri dari metode dan catatan dalam rangka mengidentifikasi,
mengelompokkan, menganalisis, mengklasifikasi, mencatat/membukukan, dan
melaporkan transaksi Bank. Sistem informasi harus dapat menghasilkan laporan
mengenai kegiatan usaha, kondisi keuangan, penerapan manajemen risiko, dan
pemenuhan ketentuan yang mendukung pelaksanaan tugas Dewan Komisaris dan
Direksi. Salah satu tujuan sistem komunikasi adalah untuk memberikan informasi
kepada seluruh pihak baik internal maupun eksternal, seperti otoritas pengawas
bank, auditor eksternal, Pemegang Saham, dan nasabah bank. Sistem akuntansi,
informasi dan komunikasi yang memadai dimaksudkan agar dapat menampung
kebutuhan Bank di dalam mengidentifikasi masalah yang mungkin timbul,
mengambil, dan mengomunikasikan informasi-informasi kepada pihak yang tepat
agar mampu melaksanakan tugas dan tanggung jawabnya masing-masing.
Accounting, Information, and Communication The accounting system comprises methods and records to identify, group, analyze,
Systems classify, record/book, and report Bank transactions. The information system must
be capable of generating reports on business activities, financial conditions,
risk management implementation, and compliance with provisions that support
the execution of the duties of the Board of Commissioners and the Board of
Directors. One of the objectives of the communication system is to disseminate
information to all parties, both internally and externally, such as bank supervisory
authorities, external auditors, Shareholders, and customers. Adequate accounting,
information, and communication systems are designed to cater to the Bank’s needs
in identifying potential problems and capturing and communicating information
to the appropriate parties, enabling them to execute their respective duties and
responsibilities.
Pengendalian Keuangan atau Akuntansi Financial or Accounting Control
Bank menempatkan pengendalian internal di bidang The Bank is prioritizing internal control in financial and
keuangan dan akuntansi sebagai prioritas utama dalam accounting aspect in safeguarding the operational
menjaga integritas operasional, serta melindungi aset integrity, as well as protecting the company’s assets from
perusahaan dari potensi penyalahgunaan maupun potential misuse or fraud. This system is established by
kecurangan. Sistem ini dibangun melalui penerapan through implementation of comprehensive policies and
kebijakan dan kerangka kerja yang komprehensif, frameworks, enabling all of the accounting processes
sehingga seluruh proses akuntansi dapat dilaksanakan to be carried out in accordance with the applicable
sesuai standar yang berlaku. Dengan demikian, Laporan standards. Accordingly, the Financial Statements
Keuangan yang dihasilkan tidak hanya akurat dan generated are not only accurate and transparent, but
transparan, tetapi juga memiliki tingkat akuntabilitas also have a high accountability level. Also, to further
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yang tinggi. Untuk memperkuat efektivitas pengendalian strengthen the effectiveness of the internal control,
internal tersebut, Bank secara berkelanjutan menerapkan the Bank continuously implements various strategic
berbagai langkah strategis, di antaranya: measures, including:
1. Bank telah memiliki organ pengendalian internal 1. The Bank has internal control organs that are
yang independen terhadap unit bisnis, yaitu: independent of the business unit, namely:
a. SKAI; a. SKAI;
b. Satuan Kerja Manajemen Risiko; b. Risk Management Unit;
c. Satuan Kerja Kepatuhan; c. Compliance Unit;
d. Unit Kerja Anti-Fraud; dan d. Anti-Fraud Unit; and
e. Unit Kerja Pengenalan Nasabah, Pencegahan e. Know Your Customer and Anti-Money Laundering
Pencucian Uang dan Pendanaan Terorisme and Counter-Terrorism Financing Unit
(APU-PPT). (AML-CTF);
Pembentukan unit-unit pengendalian internal The establishment of these internal control units has
tersebut telah memperhatikan ketentuan otoritas taken into account the provisions of the authorities
serta peraturan perundang-undangan yang berlaku; and applicable laws and regulations; and
dan
2. Bank telah memiliki ketentuan internal terkait 2. The Bank has internal provisions related to internal
pengendalian internal, yang di antaranya mengatur control, which, among others, regulate GCG, risk
terkait GCG, penerapan manajemen risiko, management implementation, implementation
penerapan fungsi audit internal, Kebijakan terkait of internal audit function, AML-CTF policies, and
APU-PPT, serta Kebijakan terkait anti-fraud dan anti-fraud and whistleblowing system policies.
whistleblowing system.
Pengendalian Operasional Operational Control
Bank mengimplementasikan pengendalian operasional The Bank is implementing comprehensive operational
secara menyeluruh melalui penerapan kebijakan, control through the adoption of integrated policies,
prosedur, dan pedoman teknis yang terintegrasi. Langkah procedures, and technical guidelines. These measures
ini ditujukan untuk memastikan seluruh aktivitas usaha are aimed to ensure that all business activities are
berjalan sesuai prinsip kehati-hatian serta selaras dengan carried out in accordance with the prudential principle
praktik terbaik di industri perbankan. Seluruh insan and in line with best practices in banking industry.
Bank diwajibkan memahami dan mematuhi pedoman All Bank personnel are required to understand and
internal sebagai dasar dalam menjalankan fungsi dan comply with internal guidelines as the basis to carry out
tanggung jawab masing-masing. Dengan pendekatan their respective functions and responsibilities. With this
ini, Bank tidak hanya menjaga keselarasan pelaksanaan approach, the Bank not only maintaining the alignment of
operasional dengan kebijakan yang berlaku, tetapi juga its operational implementation with applicable policies,
mendorong terciptanya efisiensi, meminimalkan potensi but also encourages efficiency, minimizes potential
penyimpangan, serta memperkuat penerapan GCG deviation, and strengthens the implementation of GCG
di seluruh tingkatan organisasi. at all levels of the organization.
Kepatuhan terhadap Perundang-Undangan Compliance with Laws and Regulations
Bank menegaskan komitmen untuk melaksanakan The Bank affirms its commitment to conduct all of its
setiap kegiatan usaha sesuai dengan peraturan business activities according to the applicable laws and
perundang-undangan yang berlaku, khususnya di regulations, particularly those in the financial services
bidang jasa keuangan dan pasar modal. Sebagai and capital market sectors. As part of its compliance
bentuk tanggung jawab kepatuhan, Bank secara aktif responsibilities, the Bank is actively monitoring regulatory
mengikuti perkembangan regulasi melalui sosialisasi developments via dissemination or directives held by
maupun arahan yang diselenggarakan oleh otoritas the relevant authorities. This approach not only ensures
terkait. Pendekatan ini tidak hanya memastikan a consistent implementation of latest regulations,
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Tata Kelola Perusahaan
Corporate Governance
implementasi ketentuan terbaru secara konsisten, but also serves as a preventive measure in minimizing
tetapi juga berfungsi sebagai langkah preventif dalam the non-compliance risk. Accordingly, it enables
meminimalkan risiko ketidakpatuhan. Dengan demikian, the Bank to maintain the integrity of its operations while
Bank mampu menjaga keberlangsungan operasional maintaining the confidence level of its stakeholders.
yang berintegritas serta mempertahankan tingkat
kepercayaan pemangku kepentingan.
Tinjauan atas Efektivitas Sistem Review of the Effectiveness of the Internal
Pengendalian Internal Control System
Manajemen memiliki tanggung jawab penuh untuk Management is fully responsible to ensure
memastikan penerapan sistem pengendalian internal the implementation of an effective, reliable internal
yang efektif, andal, dan selaras dengan praktik tata control system that is aligned with a sound governance
kelola yang sehat. Tanggung jawab ini mencakup practices. This responsibility includes fostering a strong
pembentukan budaya risiko (risk culture) yang kuat risk culture across all organization levels, and carrying
di seluruh jenjang organisasi serta pelaksanaan evaluasi out continuous evaluation to boots the adequacy
berkesinambungan guna meningkatkan kecukupan dan and effectiveness of internal control in supporting
efektivitas pengendalian internal dalam mendukung the achievement of the strategic objectives of the bank.
pencapaian tujuan strategis Bank.
Sebagai bagian dari fungsi pengawasan, SKAI berperan As part of its oversight function, SKAI plays an important
penting dalam memantau aktivitas operasional Bank. role in monitoring the Bank’s operational activities.
SKAI tidak hanya menjadi mitra Dewan Komisaris dan SKAI not only a partner to the Board of Commissioners
Direksi dalam menjalankan fungsi pengawasan, tetapi and Board of Directors in carrying oversight function,
juga berkontribusi secara aktif dalam menilai serta but also actively contributing in assessing and
memperkuat pengendalian internal melalui audit yang strengthening internal controls through regular audits
dilaksanakan secara berkala pada seluruh unit kerja. conducted across all work units. The audit results are
Hasil audit kemudian disampaikan kepada manajemen later reported to the management for follow-up and
untuk ditindaklanjuti dan dipantau progresnya, sehingga progress monitoring, allowing the internal control to
pengendalian internal dapat berjalan optimal dan run optimally and supporting the Bank’s operations is
mendukung keberlangsungan operasional Bank secara sustainable manner.
berkesinambungan.
Pernyataan Dewan Komisaris Statement of the Board of Commissioners
dan/atau Direksi atas Kecukupan and/or Board of Directors on the Adequacy
Sistem Pengendalian Internal of the Internal Control System
Dalam rangka memperkuat tata kelola dan pengelolaan In strengthening the governance and risk management,
risiko, Bank menerapkan kerangka ‘three lines of the Bank implements the ‘three lines of defense’
defense’ sebagai bagian dari sistem pengendalian framework as part of an integrated internal control
internal yang terintegrasi. Model ini memastikan system. This model ensures the involvement of all
keterlibatan seluruh elemen organisasi dalam proses elements of the organization in the risk management,
pengelolaan, pemantauan, dan evaluasi risiko. Lini monitoring, and evaluation processes. The first line
pertama dijalankan oleh pemilik risiko (risk owners) yang is carried out by the risk owners, directly responsible
bertanggung jawab langsung atas pengendalian risiko for controlling risks in daily activities. The second line
dalam aktivitas sehari-hari. Lini kedua berfungsi untuk functions to oversee and managing risks to ensure it
mengawasi dan mengelola risiko agar tetap selaras remains in alignment with the established policies and
dengan kebijakan serta prosedur yang ditetapkan, procedures, while the third line provides independent
sementara lini ketiga memberikan jaminan independen assurance to ensure the objectivity and effectiveness
(independent assurance) guna memastikan objektivitas of internal controls.
dan efektivitas pengendalian internal.
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Untuk mendukung penerapannya, Bank juga menetapkan To support its implementation, the Bank also
berbagai kebijakan dan pedoman internal yang implements various internal policies and guidelines
dirancang guna menciptakan lingkungan pengendalian designed to create a strong control environment.
yang kuat. Hasil evaluasi yang dilakukan secara berkala Results from periodic evaluations conducted by Board
Dewan Komisaris dan Direksi bersama Komite Audit of Commissioners and Board of Directors together with
menunjukkan bahwa sistem pengendalian internal Bank Audit Committee showed that the Bank’s internal control
telah berjalan secara efektif serta memenuhi standar system is running effectively and meeting the required
yang dipersyaratkan, sehingga mampu mendukung standards, enabling it to support the achievement of
pencapaian tujuan strategis dan menjaga kepercayaan strategic objectives and maintaining stakeholders’ trust.
pemangku kepentingan.
Komite Audit sendiri dalam hal ini memiliki peran untuk In this regard, the Audit Committee has a role in carrying
melakukan pemantauan dan evaluasi atas: out monitoring and evaluation on the following:
1. Penerapan kebijakan dan prosedur pengendalian 1. Implementation of internal control policies and
internal dalam proses pelaporan keuangan Bank. procedures in Bank’s financial reporting process.
2. Kesesuaian Laporan Keuangan dengan Standar 2. Compliance of the Financial Statements with
Akuntansi Keuangan dan ketentuan Otoritas Jasa Financial Accounting Standards and Financial
Keuangan mengenai pencatatan transaksi keuangan. Services Authority provisions on financial transaction
recording.
Hasil pemantauan dan evaluasi digunakan untuk The monitoring and evaluation results are used to provide
memberikan rekomendasi kepada Dewan Komisaris recommendations to the Board of Commissioners to
guna meyakini integritas dari proses pelaporan keuangan ensure the integrity of the Bank’s financial reporting
pada Bank. process.
Pernyataan Dewan Komisaris atas Kecukupan Statement of the Board of Commissioners on
dan Efektivitas Sistem Pengendalian Internal the Adequacy and Effectiveness of the Internal
Control System
Berdasarkan hasil kajian dan pembahasan dengan Based on the results of review and discussions with
Komite Audit atas laporan evaluasi yang disampaikan Audit Committee on the evaluation reports submitted
oleh manajemen, Dewan Komisaris menilai bahwa by the management, the Board of Commissioners assess
sistem pengendalian internal Bank telah memadai dan that the Bank’s internal control system is adequate and
berjalan efektif. running effectively.
Pernyataan Direksi atas Kecukupan dan Statement of the Board of Directors on
Efektivitas Sistem Pengendalian Internal dalam the Adequacy and Effectiveness of the Internal
Proses Pelaporan Keuangan Bank Control System in the Bank’s Financial Reporting
Process
Bank telah merancang dan menetapkan kebijakan dan The Bank has designed and determined policies
prosedur yang dapat memberikan keyakinan memadai and procedures providing reasonable assurance on
atas efektivitas penerapan pengendalian internal the effectiveness of the implementation of internal
dalam proses pelaporan keuangan, dan mengevaluasi controls in financial reporting process, and evaluates its
penerapannya, sesuai dengan ketentuan yang berlaku, implementation in line with the applicable regulations,
untuk menyusun dan menyajikan secara wajar Laporan to prepare and fairly presented the Financial Statements
Keuangan yang bebas dari salah saji material. that are free from material misstatement.
Sehubungan dengan Laporan Keuangan In relation with Bank Capital’s Financial Statements
Bank Capital untuk tahun buku yang berakhir pada for the financial year ending on 31 December 2025,
tanggal 31 Desember 2025, Direksi dengan ini the Board of Directors hereby states that:
menyatakan bahwa:
1. Direksi bertanggung jawab atas: 1. The Board of Directors is responsible for:
a. Penyusunan dan penyajian informasi keuangan a. Preparation and presentation of financial
dan Laporan Keuangan. information and Financial Statements.
b. Kesesuaian penyusunan dan penyajian Laporan b. Compliance of the preparation and presentation
Keuangan dengan standar akuntansi keuangan of the Financial Statements with financial
250 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
dan ketentuan Otoritas Jasa Keuangan mengenai accounting standards and provisions of Financial
pencatatan transaksi keuangan. Services Authority on financial transactions
recording.
c. Kelengkapan dan kebenaran isi Laporan c. Completeness and accuracy of the content of
Keuangan. the Financial Statements.
d. Penerapan pengendalian internal dalam proses d. Implementation of internal control in the financial
pelaporan keuangan. reporting process.
2. Direksi telah menelaah dan melakukan penilaian 2. The Board of Directors has reviewed and assessed
atas Laporan Keuangan untuk tahun buku yang the Financial Statements for the financial year ended
berakhir pada tanggal 31 Desember 2025, sesuai 31 December 2025, in accordance with the criteria
kriteria yang ditetapkan dalam Surat Edaran Otoritas established in Financial Services Authority Circular
Jasa Keuangan Nomor 35/SEOJK.03/2017 tentang Letter No. 35/SEOJK.03/2017 on the Guidelines for
Pedoman Standar Sistem Pengendalian Intern bagi Standard Internal Control Systems for Commercial
Bank Umum dan Internal Control Framework yang Banks and Internal Control Framework issued by
diterbitkan Committee of Sponsoring Organizations the Committee of Sponsoring Organizations of
of the Treadway Commission (COSO), dengan the Treadway Commission (COSO), and concluded
hasil bahwa pengendalian internal dalam proses that internal control on the financial reporting
pelaporan keuangan telah diterapkan secara efektif process has been implemented effectively and
dan Laporan Keuangan telah menyajikan secara the Financial Statements has fairly presented, in all
wajar semua hal yang material. material respects.
Laporan Pengendalian Internal dalam Proses Internal Control Report in the Financial
Pelaporan Keuangan Reporting Process
Bank berkomitmen untuk menjaga integritas Laporan The Bank is committed to maintain the integrity of its
Keuangan sesuai dengan ketentuan Peraturan Otoritas Financial Statements in line with Financial Services
Jasa Keuangan Nomor 15 Tahun 2024 tanggal 2 Oktober Authority Regulation Number 15 of 2024 dated
2024 tentang Integritas Pelaporan Keuangan Bank. 2 October 2024 on the Integrity of Bank Financial
Untuk itu, Direksi telah: Reporting. Accordingly, the Board of Directors has:
1. Menerbitkan Pedoman Internal sebagai pedoman 1. Issued Internal Guidelines as a guideline for
Penerapan Pengendalian Internal dalam Proses the Implementation of Internal Control in
Pelaporan Keuangan Bank, yang ditetapkan melalui the Bank’s Financial Reporting Process, as stipulated
Surat Edaran Manajemen Nomor 019 perihal in Management Circular Letter Number 019 on
Pedoman Pengendalian Internal Pelaporan Keuangan Guidelines for Internal Control on the Bank’s Financial
Bank. Reporting.
2. Menyusun dan menetapkan kebijakan dan prosedur 2. Formulated and established policies and procedures
yang bertujuan untuk memastikan kebenaran, aimed at ensuring the truthfulness, accuracy, and
keakuratan, dan transparansi atas informasi transparency of financial information and Financial
keuangan dan Laporan Keuangan serta memastikan Statements, as well as ensuring that the Financial
Laporan Keuangan telah disusun sesuai dengan Statements have been prepared in line with financial
standar akuntansi keuangan dan ketentuan Otoritas accounting standards and the Financial Services
Jasa Keuangan mengenai pencatatan transaksi Authority provisions on financial transaction
keuangan. recording.
3. Memastikan penerapan kebijakan dan prosedur 3. Ensured the implementation of internal control
pengendalian internal dalam proses pelaporan policies and procedures in the Bank’s financial
keuangan Bank berjalan dengan efektif. reporting process runs effectively.
4. Menunjuk Satuan Kerja Manajemen Risiko yang 4. Appointed the Risk Management Unit in charge to:
bertanggung jawab untuk melakukan:
a. Memeriksa dan memastikan kesesuaian a. Review and ensure the alignment of
penyusunan dan penyajian Laporan Keuangan the preparation and presentation of the Financial
dengan Standar Akuntansi Keuangan dan Statements with Financial Accounting Standards
ketentuan Otoritas Jasa Keuangan mengenai and Financial Services Authority provisions on
pencatatan transaksi keuangan. financial transaction recording.
b. Memeriksa dan memastikan kelengkapan dan b. Review and ensure the completeness and
kebenaran isi Laporan Keuangan. accuracy of the content of the Financial
Statements.
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Permodalan dan Praktik Manajemen Risiko
Capital and Risk Management Practices
Pengungkapan Permodalan Capital Disclosure
Struktur Permodalan Capital Structure
Struktur permodalan Bank disusun dengan berpedoman The capital structure of the Bank is prepared by referring
pada ketentuan yang ditetapkan oleh Otoritas Jasa to the provisions established by the Financial Services
Keuangan, dengan struktur permodalan dimaksud terdiri Authority, consisting of the following:
dari:
1. Modal inti (tier 1), yang meliputi: 1. Core capital (tier 1), which includes:
a. Modal inti utama (common equity tier 1) a. Common equity tier 1 capital
Modal inti utama mencakup modal disetor, The common equity tier 1 capital consists of
cadangan tambahan modal, kepentingan paid-up capital, additional capital reserve,
non-pengendali yang dapat diperhitungkan, dan non-controlling interests, and tier 1 capital
faktor pengurang modal inti utama; dan reduction factors; and
b. Modal inti tambahan (additional tier 1). b. Additional tier 1 capital.
2. Modal pelengkap (tier 2). 2. Supplementary capital (tier 2).
Pengelolaan Risiko pada Aspek Permodalan Management in Capital Aspects
Bank senantiasa menjaga kecukupan dan ketahanan The Bank constantly maintaining its capital adequacy
modal sebagai fondasi utama dalam menghadapi and resilience as the main foundation in facing any
potensi risiko yang timbul dari kegiatan usaha. Upaya potential risks that occur from its business activities.
ini dilakukan dengan tetap berpedoman pada Peraturan These efforts are carried out by referring to the Financial
Otoritas Jasa Keuangan Nomor 11/POJK.03/2016 Services Authority Regulation Number 11/POJK.03/2016
tentang Kewajiban Penyediaan Modal Minimum Bank on Minimum Capital Requirement for Commercial Banks
Umum beserta perubahannya. Melalui penerapan prinsip and its amendments. Through the implementation of
kehati-hatian, Bank terus memastikan Rasio Kecukupan prudential principle, the Bank is constantly ensuring that
Modal (Capital Adequacy Ratio/CAR) berada pada its Capital Adequacy Ratio (CAR) remains at a sound
tingkat yang sehat dan selaras dengan profil risiko level and is aligned with its risk profile.
yang dimiliki.
Hingga 31 Desember 2025, posisi permodalan Bank telah As at 31 December 2025, capital position of the Bank has
dikelola sesuai ketentuan dan mencerminkan kemampuan been managed in line with applicable regulations and
Bank dalam mendukung pertumbuhan usaha secara reflecting the Bank’s capability to support sustainable
berkelanjutan, dengan rincian sebagai berikut: business growth, as detailed below:
(dalam jutaan Rupiah, kecuali dinyatakan lain / in millions of Rupiah, unless otherwise stated)
Komponen Modal 2025 Component of Capital
Modal Inti (Tier 1) 6.634.017 Core Capital (Tier 1)
Modal Inti Utama (CET 1) 6.634.017 CET 1 Capital
Modal Disetor 1.995.302 Paid-Up Capital
Cadangan Tambahan Modal 4.651.322 Additional Capital Reserve
Kepentingan Non-Pengendali yang Dapat
- Non-Controlling Interest
Diperhitungkan
Faktor Pengurang Modal Inti Utama 12.607 Tier 1 Reduction Factor
Modal Inti Tambahan (AT-1) - Additional Core Capital (AT-1)
Modal Pelengkap (Tier 2) 153.031 Supplementary Capital (Tier 2)
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Tata Kelola Perusahaan
Corporate Governance
Komponen Modal 2025 Component of Capital
Total Modal 6.787.048 Total Capital
Aset Tertimbang Menurut Risiko (ATMR) untuk Risk Weighted Assets (RWA)
16.812.371
Risiko Kredit for Credit Risk
Aset Tertimbang Menurut Risiko (ATMR) untuk Risk Weighted Assets (RWA)
629.356
Risiko Operasional for Operational Risk
Aset Tertimbang Menurut Risiko (ATMR) untuk Risk Weighted Assets (RWA)
973.514
Risiko Pasar for Market Risk
Total ATMR 18.415.242 Total Risk-Weighted Assets (RWA)
Rasio CET 1 (%) 36,02 CET 1 Ratio (%)
Rasio Tier 1 (%) 36,02 Tier 1 Ratio (%)
Rasio Tier 2 (%) 0,83 Tier 2 Ratio (%)
Rasio Kewajiban Pemenuhan Modal Minimum (%) 36,86 Capital Adequacy Ratio (%)
Rasio Kewajiban Pemenuhan Modal Minimum sesuai Minimum Capital Adequacy Required Ratio
10,28
Profil Risiko (%) based on Risk Profile (%)
Pengungkapan Sistem Manajemen Risiko Disclosure of Risk Management System
[POJK E.3] [POJK E.3]
Bank menerapkan prinsip manajemen risiko secara The Bank integrates risk management principles into
terintegrasi ke dalam seluruh aktivitas operasional all operational activities as part of the commitment to
sebagai bagian dari komitmen menjaga stabilitas usaha maintain business stability and stakeholders’ trust. This
dan kepercayaan pemangku kepentingan. Penerapan implementation is carried out based on Financial Services
ini dilaksanakan dengan berlandaskan pada regulasi Authority regulations, including Financial Services
Otoritas Jasa Keuangan, termasuk Peraturan Otoritas Authority Regulation Number 18/POJK.03/2016 on
Jasa Keuangan Nomor 18/POJK.03/2016 tentang the Implementation of Risk Management for Commercial
Penerapan Manajemen Risiko bagi Bank Umum serta Banks and its implementing provisions under Financial
ketentuan pelaksanaannya melalui Surat Edaran Otoritas Services Authority Regulation Circular Letter Number
Jasa Keuangan Nomor 34/SEOJK.03/2016 tentang 34/SEOJK.03/2016 on the Implementation of Risk
Penerapan Manajemen Risiko bagi Bank Umum. Management for Commercial Banks.
Dalam praktiknya, Bank mendorong terbentuknya In practice, the Bank encourages strong risk awareness
budaya kesadaran risiko (risk awareness) di seluruh culture across all organizational levels, allowing
jenjang organisasi agar setiap karyawan memahami every employee to understand their critical role in
peran pentingnya dalam pengelolaan risiko. Manajemen risk management. Risk management is proactively
risiko diterapkan secara proaktif dengan menyesuaikan implemented, by taking into account the regulatory
dinamika regulasi, kompleksitas bisnis, dan dynamics, business complexity, and changes in business
perkembangan lingkungan usaha. Melalui pendekatan ini, environment. Utilizing this approach, the Bank is able
Bank mampu mengidentifikasi, mengukur, memantau, to comprehensively identify, measure, monitor, and
dan mengendalikan potensi risiko secara komprehensif control potential risks across all business lines, as well
di seluruh lini bisnis maupun unit pendukung, as its supporting units, thus supporting a sustainable
sehingga mendukung tercapainya pertumbuhan yang growth while strengthening institutional resilience.
berkelanjutan sekaligus memperkuat ketahanan institusi.
Arah dan Strategi Manajemen Risiko Direction and Strategy of Risk Management
Bank merancang strategi manajemen risiko yang selaras The Bank designs its risk management strategy to align
dengan visi dan rencana bisnis secara menyeluruh with its overall vision and business plan, taking into
dengan mempertimbangkan batasan risk appetite dan account the established risk appetite and risk tolerance
risk tolerance yang telah ditetapkan. Untuk tahun 2026, limits. For 2026, the Bank’s risk management approach is
pendekatan manajemen risiko Bank difokuskan pada focused on the following initiatives:
inisiatif-inisiatif berikut:
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1. Memastikan eksposur risiko bank berada pada tingkat 1. Ensured that the Bank’s risk exposure is within
risiko yang ditetapkan sesuai dengan kebijakan dan the risk level as established in line with internal policies
prosedur internal serta ketentuan otoritas; and procedures as well as regulatory requirements;
2. Pengembangan budaya manajemen risiko melalui 2. Developed the risk management culture through
sertifikasi dan refreshment manajemen risiko; dan risk management certification and risk management
refreshment; and
3. Pengembangan produk digital banking dalam rangka 3. Developed digital banking products to boost service
meningkatkan pelayanan agar lebih cepat dan sesuai delivery, to be faster and in line with customer needs.
kebutuhan nasabah.
Kerangka Manajemen Risiko Risk Management Framework
Penerapan manajemen risiko Bank Capital The Bank’s risk management implementation is
berpedoman pada Peraturan Otoritas Jasa Keuangan guided by Financial Services Authority Regulation
Nomor 18/POJK.03/2016 dan Surat Edaran Otoritas Number 18/POJK.03/2016 and Circular Letter
Jasa Keuangan Nomor 34/SEOJK.03/2016 tentang Number 34/SEOJK.03/2016 concerning the
Penerapan Manajemen Risiko bagi Bank Umum. Implementation of Risk Management for Commercial
Kerangka manajemen risiko Bank terdiri dari 4 pilar yang Banks. The Bank’s risk management framework consists
diuraikan sebagai berikut: of four pillars, as outlined below:
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision of the Board of Commissioners
and the Board of Directors
Pengawasan aktif Dewan Komisaris dilakukan melalui Active supervision by Board of Commissioners is
persetujuan dan evaluasi atas kebijakan serta strategi conducted through approval and evaluation of the
manajemen risiko yang disusun oleh Direksi. Evaluasi risk management policies and strategies formulated
pelaksanaan kebijakan manajemen risiko dilakukan by Board of Directors. Periodically, the Board of
secara berkala, baik melalui forum rapat gabungan Commissioners evaluates the implementation of
Direksi dan Dewan Komisaris maupun dalam rapat risk management policies through joint meetings of
Komite Pemantau Risiko. the Board of Commissioners and in the Risk
Monitoring Committee meetings.
Pengawasan aktif Direksi dilaksanakan Active supervision by the Board of Directors is
antara lain dengan menyusun, menyetujui, conducted by formulating, approving, implementing,
mengimplementasikan serta mengevaluasi kebijakan and evaluating risk management policies and
dan prosedur manajemen risiko, yang dilakukan procedures. This is done through the Risk
melalui rapat Komite Manajemen Risiko, rapat ALCO, Management Committee meetings, ALCO meetings,
dan rapat Komite Kebijakan Perkreditan. and Credit Policy Committee meetings.
Dalam konteks pengelolaan risiko spesifik, termasuk Within the context of managing specific risks,
country risk dan transfer risk, Bank menugaskan including country risk and transfer risk, the Bank
Satuan Kerja Manajemen Risiko untuk melakukan assigns the Risk Management Unit to perform
pemantauan dan pelaporan secara berkala. Fungsi periodic monitoring and reporting. This function
ini berada di bawah koordinasi Direktur yang is coordinated under the Director in charge of risk
membawahi fungsi manajemen risiko, yaitu Direktur management function, namely the Compliance
Kepatuhan, yang bertanggung jawab memastikan Director, who is responsible to ensure that
bahwa identifikasi, pengukuran, pemantauan, dan the identification, measurement, monitoring, and
pengendalian terhadap kedua jenis risiko tersebut control of both risks are carried out adequately in
telah dilaksanakan secara memadai sesuai dengan line with prevailing policies.
kebijakan yang berlaku.
Dari sisi pengawasan, Dewan Komisaris turut In terms of supervision, the Board of Commissioners
berperan aktif melalui keterlibatan Komisaris also has an active role via involvement of Independent
Independen, Bapak Andrey Jayanto, dalam Komite Commissioner, Mr. Andrey Jayanto, in Risk
Pemantau Risiko. Melalui komite tersebut, Dewan Monitoring Committee. Through this committee, the
Komisaris melakukan penelaahan atas laporan profil Board of Commissioners reviews risk profile report,
risiko, termasuk eksposur country risk dan transfer including exposures to country risk and transfer risk,
254 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
risk serta memberikan arahan dan rekomendasi guna as well as providing direction and recommendations
memastikan penerapan manajemen risiko berjalan to ensure that the risk management is implemented
secara efektif dan sejalan dengan prinsip kehati- effectively and in accordance with prudential
hatian. principles.
2. Kecukupan Kebijakan, Prosedur, dan Penetapan 2. Adequacy of Risk Management Policies,
Limit Manajemen Risiko Procedures, and Limit Setting
Dalam rangka menunjang penerapan manajemen In order to support the implementation of risk
risiko, Bank telah menetapkan beberapa kebijakan management, the Bank has established several
terkait manajemen risiko dan penetapan limit policies related to risk management and risk limits.
risiko. Dalam implementasinya, kebijakan-kebijakan In practice, these policies are reviewed periodically
tersebut ditinjau secara berkala dengan persetujuan and approved up to the Board of Directors level
sampai dengan tingkat Direksi melalui rapat komite through committee meetings or circular resolutions,
ataupun melalui sirkulasi kepada Direksi sesuai in accordance with the level of authority.
dengan tingkat kewenangan.
3. Kecukupan Proses Identifikasi, Pengukuran, 3. Adequacy of the Processes for Risk Identification,
Pemantauan dan Pengendalian Risiko, serta Sistem Measurement, Monitoring, and Control, as well as
Informasi Manajemen Risiko the Risk Management Information System
Bank telah memiliki kebijakan, prosedur, dan The Bank has adequate risk policies, procedures,
penetapan limit risiko yang cukup memadai sesuai and limits in accordance with the vision, mission,
dengan visi, misi, strategi bisnis, kecukupan business strategy, capital adequacy, human resource
permodalan, kemampuan sumber daya manusia, capabilities, and risk appetite. These policies are
dan risk appetite. Kebijakan tersebut secara berkala periodically adjusted to developments/ changes
disesuaikan dengan perkembangan/perubahan that occur both internally and externally. Each policy,
yang terjadi baik internal maupun eksternal. Setiap procedure, and limit in risk management must be
kebijakan, prosedur dan limit dalam pengelolaan guided by the risk management policy established
risiko harus berpedoman kebijakan manajemen risiko by the Board of Directors and approved by the Board
yang ditetapkan oleh Direksi dan telah mendapat of Commissioners.
persetujuan Dewan Komisaris.
4. Sistem Pengendalian Internal Manajemen Risiko 4. Risk Management Internal Control System
Sistem pengendalian internal Bank menggunakan The Bank’s internal control system uses the three
model three lines of defense yang terdiri atas: lines of defense model, which consists of:
a. Lini Pertahanan Pertama a. First Line of Defense
Pertahanan pertama terdiri dari unit kerja The first defense consists of risk-taking and
pengambil dan pemilik risiko yang melaksanakan risk-owning work units that carry out business
fungsi bisnis dan unit kerja pendukung. Pemilik functions and supporting work units. Risk owners
risiko bertanggung jawab terhadap pengelolaan are responsible for managing inherent risks in
risiko yang melekat pada aktivitas harian. daily activities. All functions on the first line
Seluruh fungsi pada garis pertahanan pertama of defense are responsible for identifying and
bertanggung jawab dalam mengidentifikasi managing inherent risks in each product, activity,
dan mengelola risiko yang melekat pada setiap process, and system operated.
produk, kegiatan, proses, dan sistem yang
dijalankan.
b. Lini Pertahanan Kedua b. Second Line of Defense
Garis pertahanan kedua terdiri dari unit kerja The second line of defense consists of the risk
manajemen risiko, serta fungsi kepatuhan dan management unit, as well as compliance and
hukum. Unit kerja di lini pertahanan kedua legal functions. Work units on the second line of
berfungsi untuk mengembangkan kerangka, defense functions to develop risk management,
strategi, dan ketentuan terkait dengan compliance, and legal related frameworks,
pengelolaan risiko, kepatuhan, dan hukum untuk strategies, and provisions to support the Bank’s
mendukung proses bisnis Bank. business processes.
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c. Lini Pertahahan Ketiga c. Third Line of Defense
Pada garis ketiga pertahanan terdiri dari SKAI. The third line of defense consists of SKAI. SKAI
SKAI bertanggung jawab dalam menilai secara is responsible for independently assessing
independen efektivitas implementasi manajemen the effectiveness of risk management
risiko dan pengendalian internal. implementation and internal control.
Struktur Organisasi Sistem Manajemen Organizational Structure of Risk
Risiko Management System
Dalam rangka memastikan pengelolaan risiko yang In ensuring an effective risk management, the Board
efektif, Dewan Komisaris dan Direksi secara aktif of Commissioners and Board of Directors actively
berperan dalam struktur organisasi manajemen risiko. participate in the risk management organizational
Dewan Komisaris didukung oleh Komite Audit, Komite structure. The Board of Commissioners is supported
Pemantau Risiko, serta Komite Remunerasi dan by Audit Committee, Risk Monitoring Committee,
Nominasi untuk menjalankan tugas pengawasan secara and Remuneration and Nomination Committee to
optimal. Sementara itu, Direksi didukung oleh Komite perform an optimum supervisory duty. Whereas, the
Manajemen Risiko, ALCO, dan Satuan Kerja Manajemen Board of Directors is supported by Risk Management
Risiko, yang berperan penting dalam mengawasi serta Committee, ALCO, and Risk Management Unit, all play
mengelola risiko sesuai dengan kebijakan dan strategi a crucial role in monitoring and managing risks in line
yang telah ditetapkan. with established policies and strategies.
Komite Audit Audit Committee
Komite Audit bertugas untuk mendukung terciptanya The Audit Committee is tasked to support the creation
pengelolaan Bank yang transparan dan akuntabel melalui of a transparent and accountable management system
pengawasan terhadap sistem pengendalian internal, at the Bank via supervision of internal control system,
kualitas proses pelaporan keuangan, serta penerapan quality of financial reporting process, and GCG
GCG. implementation.
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko bertanggung jawab untuk The Risk Monitoring Committee in charge of ensuring
memastikan bahwa sistem manajemen risiko Bank that the Bank's risk management system is effectively
dirancang dan diimplementasikan secara efektif guna designed and implemented to identify, manage, and
mengidentifikasi, mengelola, dan memitigasi berbagai mitigate various risks that potentially impact the Bank’s
risiko yang dapat memengaruhi stabilitas dan kinerja stability and performance.
Bank.
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi memiliki peran The Remuneration and Nomination Committee has
penting dalam mendukung Dewan Komisaris melalui a key role in supporting the Board of Commissioners by
penyusunan rekomendasi terkait kebijakan remunerasi preparing recommendations for fair and competitive
yang adil dan kompetitif, serta memastikan proses remuneration policies, and ensuring the selection
seleksi dan penggantian anggota Dewan Komisaris dan and replacement process for members of the Board
Direksi dilakukan secara transparan dan sesuai dengan of Commissioners and Board of Directors is done
prinsip GCG. transparently and in line with GCG principles.
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko dibentuk untuk mendukung The Risk Management Committee was formed to support
Direktur Utama dalam melakukan penilaian strategis the President Director in strategic assessments and
dan memberikan rekomendasi terkait pengelolaan risiko providing risk management related recommendations,
yang mencakup, namun tidak terbatas pada, aspek- which include but not limited to, the following aspects:
aspek berikut:
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Tata Kelola Perusahaan
Corporate Governance
1. Penyusunan kebijakan manajemen risiko beserta 1. Formulation of risk management policies and their
perubahannya, termasuk strategi manajemen risiko changes, including risk management strategies and
dan contingency plan; contingency plans;
2. Perbaikan dan penyempurnaan penerapan 2. Improvement and refinement of risk management
manajemen risiko yang dilakukan secara berkala implementation carried out periodically or
maupun bersifat insidental; incidentally;
3. Penetapan (justification) hal-hal yang terkait dengan 3. Justification of matters related to business decisions
keputusan-keputusan bisnis yang menyimpang that deviate from normal procedures (irregularities)
dari prosedur normal (irregularities) dalam bentuk in the form of recommendations to the President
rekomendasi kepada Direktur Utama; dan Director; and
4. Pengusulan perubahan keanggotaan Komite 4. Proposal for changes in membership of the Risk
Manajemen Risiko. Management Committee.
ALCO ALCO
ALCO dibentuk untuk mengelola keseimbangan antara ALCO was formed to manage the balance of the Bank’s
aset dan kewajiban Bank, memastikan pengelolaan risiko assets and liabilities, ensuring an effective financial risks
keuangan yang efektif, dan mendukung keberlanjutan management, and supporting operational continuity
operasional sesuai dengan strategi dan rencana bisnis in line with established strategies and business plans.
yang telah ditetapkan. Rapat ALCO diselenggarakan ALCO meetings are held at least once every month, with
setidaknya sekali setiap bulan, dengan fokus utama pada the main focus to discuss the following topics:
pembahasan hal-hal berikut:
1. Mengevaluasi pengaruh dari berbagai alternatif 1. Evaluating the effect of various alternative strategies
strategi dan kebijaksanaan pengelolaan aset dan and policies in managing the Bank’s assets and
kewajiban Bank; liabilities;
2. Mengawasi target dan harga pendanaan aset dan 2. Supervising the target and price of funding assets
liabilitas; and liabilities;
3. Memantau Net Interest Margin (NIM); dan 3. Monitoring Net Interest Margin (NIM); and
4. Menentukan suku bunga untuk funding, lending, dan 4. Determining interest rates for funding, lending, and
suku bunga antar kantor. interoffice interest rates.
Satuan Kerja Manajemen Risiko Risk Management Unit
Satuan Kerja Manajemen Risiko berfungsi sebagai unit Risk Management Unit functions as a unit providing
yang memberikan laporan langsung kepada Direktur yang direct report to the Director in charge of compliance
bertanggung jawab atas fungsi kepatuhan. Satuan Kerja function. The Risk Management Unit Unit plays
Manajemen Risiko berperan penting dalam memastikan an important role in ensuring that all risk management
bahwa seluruh aktivitas manajemen risiko dilaksanakan activities are carried out in line with the applicable
sesuai dengan kebijakan internal dan regulasi eksternal internal policies and external regulations.
yang berlaku.
Satuan Kerja Manajemen Risiko memiliki wewenang The Risk Management Unit has the following authorities:
sebagai berikut:
1. Memberikan masukan kepada Direksi dalam 1. Providing input to the Board of Directors in
penyusunan kebijakan, strategi, dan kerangka formulating policies, strategies, and risk management
manajemen risiko; frameworks;
2. Mengembangkan prosedur dan alat untuk 2. Developing procedures and tools to identify,
mengidentifikasi, mengukur, memantau, dan measure, monitor, and control risks;
mengendalikan risiko;
3. Memantau pelaksanaan strategi manajemen risiko 3. Monitoring the implementation of risk management
yang telah disetujui Direksi; strategies approved by the Board of Directors;
4. Memantau posisi risiko secara keseluruhan, per jenis 4. Monitoring the overall risk position per type of risk
risiko, per jenis aktivitas fungsional, serta melakukan and per type of functional activity and conducting
stress testing apabila diperlukan; stress testing if needed;
5. Mengkaji ulang proses manajemen risiko secara 5. Reviewing the risk management process periodically;
berkala;
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6. Mengkaji usulan aktivitas dan/atau produk baru; 6. Reviewing proposals for new activities and/or
products;
7. Mengevaluasi akurasi model dan validitas data yang 7. Evaluating the accuracy of the model and the validity
digunakan untuk mengukur risiko; of the data used to measure risks;
8. Memberikan rekomendasi kepada Satuan Kerja 8. Providing recommendations to the Operational Unit
Operasional (risk taking unit) dan/atau kepada (risk taking unit) and/or to the Risk Management
Komite Manajemen Risiko, termasuk memberikan Committee, including providing opinions on
opini atas transaksi kredit, treasuri, dan/atau credit transactions, treasury, and/or operational in
operasional sesuai dengan limit yang ditetapkan; dan accordance with the established limit; and
9. Menyusun dan menyampaikan Laporan Profil Risiko 9. Preparing and submitting the Risk Profile Report to
kepada Direktur yang membidangi fungsi kepatuhan the Director overseeing the compliance function
dan Komite Manajemen Risiko secara berkala. and the Risk Management Committee periodically.
Penilaian Profil Risiko Risk Profile Assessment
Selaras dengan ketentuan Otoritas Jasa Keuangan Following the Financial Services Authority regulations on
terkait penerapan manajemen risiko dan penilaian tingkat the implementation of risk management and assessment
kesehatan Bank, Bank secara konsisten melaksanakan of Bank’s soundness, the Bank consistently evaluates
evaluasi berkala atas profil risiko yang dimiliki. Hasil its risk profile. The assessment results as of December
penilaian per Desember 2025 menunjukkan bahwa Bank 2025 shows that the Bank is categorized under
berada pada kategori Profil Risiko Low to Moderate the Risk Profile Low to Moderate (Rating 2). This
(Peringkat 2). Pencapaian ini mencerminkan bahwa achievement reflects that the inherent risk level
tingkat risiko inheren telah dikelola secara memadai has been adequately managed through effective
melalui penerapan manajemen risiko yang efektif, risk management implementation, thus supporting
sehingga mendukung terjaganya stabilitas operasional the operational stability and the sustainability of
dan keberlangsungan usaha Bank. the Bank’s business.
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Tata Kelola Perusahaan
Corporate Governance
Pengungkapan Eksposur Risiko [POJK E.3]
Disclosure of Risk Exposure
Risiko Kredit Credit Risk
Risiko kredit adalah risiko kerugian keuangan yang timbul Credit risk is the potential financial loss resulting from
akibat debitur dan/atau pihak lain gagal memenuhi the failure of a debtor and/or other parties to fulfill their
kewajiban kontraktualnya kepada Bank. contractual obligations to the Bank.
Organisasi Manajemen Risiko Kredit Credit Risk Management Organization
Pemberian kredit yang sehat dengan pengendalian The process of granting sound credit exposure with
internal dilakukan melalui four eyes’ principles, di mana internal control applies with the four eyes’ principles,
persetujuan kredit dipisahkan dari kegiatan pemasaran where credit approval is separate from marketing
dan unit bisnis. Unit Bisnis sebagai risk-taking unit activities and business units. The Business Unit, as
mengajukan kredit dan berperan sebagai lini pertahanan a risk-taking unit, proposes credit and acts as the first
pertama. line of defense.
Satuan Kerja Manajemen Risiko dan Satuan Kerja The Risk Management Unit and the Compliance Unit, as
Kepatuhan sebagai lini pertahanan kedua yang independent second lines of defense, are responsible for
independen bertanggung jawab atas pemantauan risiko monitoring credit risk and providing recommendations
kredit dan memberikan rekomendasi agar sesuai dengan to ensure compliance with applicable regulations and
ketentuan dan regulasi. Satuan Kerja Manajemen Risiko policies. The Risk Management Unit is also responsible
juga bertanggung jawab atas pengukuran risiko kredit, for credit risk measurement, including the development
antara lain melalui penyusunan kebijakan risiko kredit of credit risk policies and methodologies for risk
dan pengembangan metodologi pengukuran risiko. measurement.
Evaluasi berkelanjutan dilakukan oleh SKAI sebagai lini Ongoing evaluations are conducted by SKAI, as
pertahanan ketiga melalui peninjauan proses pemberian the third line of defense, through reviews of the credit
kredit untuk memastikan kualitas kredit yang diberikan. initiation process to ensure the quality of the credit
SKAI melakukan pemeriksaan secara berkala guna disbursed. SKAI conducts regular audits to promote
mendorong perbaikan kualitas kredit secara menyeluruh. overall improvements in credit quality.
Pengukuran Risiko Kredit Credit Risk Measurement
Dalam mengukur risiko kredit, Bank menggunakan In measuring credit risk, the Bank employs a standard
metode standar dengan melakukan perhitungan method by calculating Risk-Weighted Assets (RWA) for
Aktiva Tertimbang Menurut Risiko (ATMR) risiko kredit. credit risk. The calculation is based on Financial Services
Perhitungan ini mengacu pada Surat Edaran Otoritas Authority Circular Letter Number 24/SEOJK.03/2021
Jasa Keuangan Nomor 24/SEOJK.03/2021 tentang concerning the Calculation of Risk-Weighted Assets
Perhitungan Aset Tertimbang Menurut Risiko untuk for Credit Risk Using the Standardized Approach for
Risiko Kredit dengan Menggunakan Pendekatan Standar Commercial Banks.
bagi Bank Umum.
Kebijakan dan Prosedur Pengelolaan Risiko Credit Risk Management Policies and
Kredit atas Country Risk dan Transfer Risk Procedures for Country Risk and Transfer Risk
Bank memiliki kebijakan dan prosedur untuk The Bank has policies and procedures to identify,
mengidentifikasi, mengukur, memantau, dan measure, monitor, and control country risk and transfer
mengendalikan country risk dan transfer risk yang risk inherent in the fund disbursement activities and
melekat pada aktivitas penyaluran dana dan transaksi transactions with foreign parties. These policies include
dengan pihak luar negeri. Kebijakan tersebut mencakup risk assessment methods by country and portfolio,
metode penilaian risiko berdasarkan negara dan portofolio, as well as taking into account the impact on Bank’s
serta mempertimbangkan dampaknya terhadap laporan statements of financial position and administrative
posisi keuangan dan rekening administratif Bank. accounts.
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Dewan Komisaris secara berkala mengevaluasi strategi The Board of Commissioners regularly evaluates
dan kebijakan pengelolaan country risk dan transfer the strategies and policies for managing country risk
risk yang ditetapkan oleh Direksi, serta menilai and transfer risk established by Board of Directors,
pertanggungjawaban Direksi atas implementasi kebijakan and assesses the Board of Directors’ accountability
tersebut. Hasil evaluasi menjadi dasar pemberian arahan in implementing such policies. The evaluation results
perbaikan guna meningkatkan efektivitas penerapan are used as basis of corrective guidance to enhance
manajemen risiko sesuai dengan perkembangan kondisi the effectiveness of risk management in line with
eksternal dan ketentuan regulator. external developments and regulatory requirements.
Acuan kebijakan pengelolaan country risk dan transfer The Bank has the following policy references for
risk di Bank sebagai berikut: managing country risk and transfer risk:
1. Kebijakan Manajemen Risiko PT Bank Capital 1. PT Bank Capital Indonesia Tbk Risk Management
Indonesia Tbk tentang Risiko Kredit. Policies on Credit Risks.
2. Surat Edaran Manajemen Risiko Nomor 001 perihal 2. Management Circular Letter Number 001 on Risk
Risk Limit (Risk Appetite dan Risk Tolerance). Limit (Risk Appetite and Risk Tolerance).
Untuk pemantauan dan pengelolaan country risk dan For the monitoring and managing country risk and
transfer risk, mengacu pada Kebijakan Manajemen transfer risk, refers to PT Bank Capital Indonesia Tbk.
Risiko PT Bank Capital Indonesia Tbk. Saat ini, Bank Risk Management Policies. Currently, the Bank is using
menggunakan pendekatan penilaian country risk dan the assessment of country risk and transfer risk in
transfer risk dalam pemantauan dan/atau pengelolaan the monitoring and/or management of credit risk.
risiko kredit saja. Untuk risiko yang lain, belum diterapkan These are not fully implemented to other types of risk
sepenuhnya mengingat kegiatan bisnis Bank masih yet, considering that the Bank’s business activities are
tergolong sederhana/tidak terdapat aktvitas bisnis di relatively simple/without overseas business activities
luar negeri (pemberian kredit/penggalangan dana pihak (provision of credit/fundraising of third-party funds
ketiga dari luar negeri/transaksi luar negeri/crossborder). from abroad/international transactions/cross-border).
Risiko kredit akibat country risk merupakan risiko yang Credit risk due to country risk is the risk resulting from
timbul dari ketidakpastian karena memburuknya kondisi uncertainty stemming from deteriorating country’s
perekonomian suatu negara, kegagalan suatu negara economic conditions, country’s failure to meet its
dalam membayar utang, gejolak sosial politik dalam debt obligations, socio-political unrests, as well as
suatu negara, serta kebijakan suatu negara antara lain government policies such as nationalization or asset
nasionalisasi atau pengambilalihan aset, kontrol nilai expropriation, foreign exchange controls, and/or
tukar dan/atau devaluasi nilai tukar. Bank terekspos currency devaluation. The Bank is exposed to country
country risk apabila melakukan penyediaan dana kepada risk if it provides funding to foreign counterparties.
pihak asing. Adapun yang termasuk country risk adalah: Included as country risk are as follows:
1. Sovereign risk adalah potensi kerugian yang timbul 1. Sovereign risk, which is the potential loss occurring
karena pemerintah tidak bersedia untuk memenuhi as a government’s unwillingness to meet its
kewajibannya. obligations.
2. Transfer risk adalah potensi kerugian yang timbul 2. Transfer risk, which is the potential loss occurring
karena pihak asing di luar negeri tidak dapat when a foreign counterparty is unable to provide
menyediakan atau tidak dapat memperoleh valuta or obtain foreign currency to meet its obligations
asing untuk memenuhi kewajibannya karena adanya due to certain restrictions, such as limitations on
pembatasan tertentu, seperti pembatasan aliran cash flow and/or capital imposed by the respective
kas dan/atau modal oleh pemerintah negara yang government.
bersangkutan.
3. Macroeconomic risk adalah potensi kerugian yang 3. Macroeconomic risk, which is the potential loss
timbul karena pihak lain di luar negeri tidak dapat occurring when a foreign counterparty is unable to
memenuhi kewajibannya akibat adanya perubahan meet its obligations due to changes in economic
kebijakan ekonomi di negaranya, seperti peningkatan policies in its country, such as increases in interest
suku bunga yang bertujuan mempertahankan rates aimed to maintain currency stability.
stabilitas nilai mata uang.
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Tata Kelola Perusahaan
Corporate Governance
Untuk acuan penetapan negara berisiko tinggi, Bank As a reference to determine high-risk countries,
menggunakan informasi penetapan negara berisiko the Bank is using the information on high-risk countries
tinggi dari Financial Action Task Force (FATF). determination from Financial Action Task Force (FATF).
Pembentukan Cadangan Kerugian Establishment of Allowance for
Penurunan Nilai Impairment Losses
Pembentukan cadangan atas portofolio kredit dilakukan The establishment of reserves for credit portfolio is
baik melalui Cadangan Kerugian Penurunan Nilai (CKPN) carried out through the Allowance for Impairment
maupun Penyisihan Penghapusan Aktiva (PPA) dengan Losses (CKPN) and the Provision for Asset
mengikuti ketentuan dan peraturan yang berlaku. Write-offs (PPA) in accordance with applicable
Perhitungan CKPN mengacu pada Pedoman Standar provisions and regulations. The CKPN calculation refers
Akuntansi yang berlaku (PSAK 71). Sementara itu, to the applicable Accounting Standards (PSAK 71).
perhitungan atas PPA mengikuti ketentuan Peraturan Meanwhile, the PPA calculation follows the applicable
Otoritas Jasa Keuangan yang berlaku. Financial Services Authority Regulation.
Mitigasi Risiko Kredit Credit Risk Mitigation
Bank menetapkan kecukupan agunan sebagai salah satu The Bank establishes collateral adequacy requirements
teknik mitigasi risiko kredit. Penilaian agunan dilakukan as a technique for credit risk mitigation. Collateral
oleh pihak internal maupun eksternal sesuai dengan assessment is carried out by both internal and external
plafon kredit yang diberikan. Selain aspek agunan untuk parties according to the credit limit granted. In
meminimalkan risiko kredit, pemberian kredit oleh addition to the collateral aspect to minimize credit risk,
Bank selalu dilakukan berdasarkan evaluasi dan analisa the Bank grants credit based on evaluation and feasibility
kelayakan untuk mengetahui kemampuan pengembalian analysis to determine the ability to repay the credit
kredit (first way out). (first way out).
Risiko Pasar Market Risk
Risiko pasar merupakan risiko yang disebabkan oleh Market risk refers to risk that arises due to fluctuations
pergerakan variabel-variabel di pasar, yaitu suku bunga in market variables, namely interest rates and currency
dan nilai tukar mata uang yang memengaruhi portofolio exchange rates, which impact the Bank’s portfolio. Bank
Bank. Bank Capital mengelola risiko pasar yang terekspos Capital manages market risk exposed to interest rate
pada risiko suku bunga atas kepemilikan surat-surat risk on securities ownership and foreign exchange risk
berharga dan risiko nilai tukar valuta asing baik posisi for both trading book and banking book positions.
trading book maupun banking book.
Organisasi Manajemen Risiko Pasar Market Risk Management Organization
Bank telah memiliki perangkat organisasi dan pejabat The Bank has established an organizational structure and
Bank yang terkait dalam proses manajemen risiko pasar, designated officials related to market risk management
yaitu Divisi Treasuri dan Departemen Settlement. Divisi process, namely Treasury Division and Settlement
Treasuri bertanggung jawab atas pelaksanaan transaksi- Department. The Treasury Division is responsible for
transaksi jual beli valuta asing dan surat berharga. Dalam executing foreign exchange and securities trading
melaksanakan tugasnya, Divisi Treasuri dibatasi dengan transactions. In performing its duties, the Treasury
limit (stop loss, cut loss, dan lain-lain). Sementara Division has a set of limits (stop loss, cut loss, etc.).
itu, Departemen Settlement bertanggung jawab Meanwhile, Settlement Department is responsible for
menyelesaikan administrasi, rekonsiliasi, memonitor completing administration, reconciliation, transaction
transaksi, dan menyusun pelaporan semua transaksi monitoring, and compiling reports of all transactions
yang dilakukan oleh Divisi Treasuri sebagai pengelola conducted by the Treasury Division as the market risk
risiko pasar. manager.
Pengukuran Risiko Pasar Market Risk Measurement
Pengukuran risiko pasar dilakukan terhadap posisi Market risk measurement is conducted on foreign
valuta asing dan surat berharga dalam kategori exchange positions and securities under trading category
trading menggunakan metode standar sesuai using standard method, in line with Financial Services
dengan Surat Edaran Otoritas Jasa Keuangan Authority Circular Letter Number 23/SEOJK.03/2022
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Nomor 23/SEOJK.03/2022 tentang Perhitungan Aset concerning the Calculation of Risk-Weighted Assets for Tertimbang Menurut Risiko untuk Risiko Pasar bagi Bank Market Risk for Commercial Banks. Meanwhile, analysis Umum. Sedangkan, analisis mengenai profil risiko pasar on market risk profile, including trading strategies yang mencakup strategi trading dan banking book and banking books are presented periodically to secara periodik disampaikan kepada manajemen melalui the management through the Risk Management Komite Manajemen Risiko dalam rangka merumuskan Committee to help formulate anticipatory measures and langkah dan rencana yang bersifat antisipatif. plans. Pemantauan Risiko Pasar Market Risk Monitoring Pemantauan risiko pasar dilakukan melalui pemantauan The market risk monitoring is carried out through terhadap pelanggaran limit secara harian dan tindak monitoring of the daily limit violation and follow-up lanjut dalam hal terjadi pelampauan. when these limits are exceeded. Risiko Likuiditas Liquidity Risk Risiko likuiditas merupakan risiko akibat ketidakmampuan Liquidity risk arises due to the Bank’s inability to meet Bank untuk memenuhi kewajiban yang jatuh tempo its maturing obligations from cash flow funding dari sumber pendanaan arus kas dan/atau dari aset sources and/or from high quality liquid assets that can likuid berkualitas tinggi yang dapat diagunkan, tanpa be pledged, without disrupting the Bank’s activities mengganggu aktivitas dan kondisi keuangan Bank. Risiko and financial condition. Liquidity risk can arise due to likuiditas dapat timbul karena adanya perbedaan jatuh a maturity mismatch between assets and liabilities. tempo (maturity mismatch) antara aset dan kewajiban. This differences in maturity can cause liquidity risk, Perbedaan jatuh tempo ini dapat menyebabkan risiko which affects the Bank’s ability to meet obligations to likuiditas yang memengaruhi kemampuan Bank untuk customers or third parties. memenuhi kewajiban kepada nasabah atau pihak ketiga. Organisasi Manajemen Risiko Likuiditas Organization of Liquidity Risk Management Dalam mengelola risiko likuiditas, Bank Capital mengacu In managing liquidity risk, Bank Capital adheres to pada ketentuan regulator dan limit-limit internal yang regulatory provisions and internal limits established in telah ditetapkan melalui rapat ALCO. Pemenuhan Giro ALCO meeting. The fulfillment of the Minimum Statutory Wajib Minimum (GWM) dan pengelolaan kecukupan Reserves (GWM) and the management of liquidity likuiditas dilakukan oleh Divisi Treasuri dan dipantau adequacy are carried out by the Treasury Division and oleh Satuan Kerja Manajemen Risiko. Laporan harian, monitored by the Risk Management Unit. Daily, monthly, bulanan, dan triwulanan dilaporkan kepada Direksi dan and quarterly reports are submitted to the Board of disampaikan dalam rapat ALCO. Directors and presented in the ALCO meeting. Pengukuran dan Pengendalian Risiko Likuiditas Measurement and Control of Liquidity Risk Metode yang digunakan untuk mengukur risiko likuiditas The method used to measure liquidity risk includes meliputi analisis profil maturitas, proyeksi arus kas, maturity profile analysis, cash flow projections, stress stress testing, dan pemantauan parameter risiko testing, and monitoring of liquidity risk parameters, likuiditas, seperti Loan to Deposit Ratio (LDR), rasio alat such as the Loan-to-Deposit Ratio (LDR), ratio of liquid likuid terhadap dana pihak ketiga, dan rasio alat likuid instruments to third-party funds, and the ratio of liquid terhadap non-core deposit. instruments to non-core deposits. Profil maturitas disusun berdasarkan pos-pos aset, The maturity profile is prepared based on asset category, kewajiban, dan rekening administratif dalam mata uang liability, and administrative account positions in Rupiah Rupiah maupun valuta asing yang dipetakan ke dalam and foreign currencies that are mapped into a specific skala waktu tertentu (maturity bucket) berdasarkan sisa time scale (maturity bucket) based on the remaining jangka waktu sampai dengan jatuh tempo (remaining time until maturity (remaining maturity) to identify maturity) yang bertujuan untuk mengidentifikasi liquidity gaps within a specific time scale. Liquidity risk terjadinya gap likuiditas dalam skala waktu tertentu. stress testing is performed using bank-specific stress Stress test risiko likuiditas dilakukan dengan scenarios and market-wide stress scenarios. Liquidity 262 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
menggunakan skenario stress secara spesifik pada risk control is carried out through funding strategies,
bank (bank specific stress scenario) maupun stress management of liquidity positions, management of
pada pasar (market wide stress scenario). Pengendalian high-quality liquid assets, early warning indicators, and
risiko likuiditas dilakukan melalui strategi pendanaan, contingency funding plans.
pengelolaan posisi likuiditas, pengelolaan aset likuid
berkualitas tinggi, indicator peringatan dini, dan rencana
pendanaan darurat.
Pemantauan Risiko Likuiditas Monitoring of Liquidity Risk
Dalam memastikan kecukupan dana guna memenuhi The Bank’s liquidity risk monitoring uses early warning
kewajiban secara tepat waktu dari berbagai sumber indicators to ensure the adequacy of funds to meet
dana yang tersedia, pemantauan risiko likuiditas yang obligations on time from various available funding
dilakukan Bank menggunakan indikator peringatan dini. sources. These early warning indicators are used to
Indikator peringatan dini digunakan untuk mengenali recognize the Bank’s liquidity condition, whether
kondisi likuiditas Bank apakah dalam kondisi normal, siaga, normal, alert, under attention, or emergency. Control
dalam perhatian, atau darurat. Pengendalian dilakukan is exercised over activities with increased risk through
terhadap aktivitas yang mengalami peningkatan risiko. funding strategies, daily management of liquidity
Pengendalian dilakukan melalui strategi pendanaan, positions and liquidity risk, management of high quality
pengelolaan posisi likuiditas dan risiko likuiditas harian, liquid assets, and contingency funding plans.
pengelolaan aset likuid berkualitas tinggi, serta rencana
pendanaan darurat.
Risiko Operasional Operational Risk
Risiko operasional merupakan risiko akibat Operational risk is the risk resulting from inadequacies in
ketidakcukupan prosedur dan/atau tidak berfungsinya procedures and/or failure of internal processes, human
proses internal, kesalahan manusia dan fraud, errors and fraud, failure of information technology
kegagalan sistem teknologi informasi, serta adanya systems, and external events that disrupt the Bank’s
kejadian eksternal yang mengganggu operasional Bank. operations. The management of operational risk is
Manajemen risiko operasional ditujukan untuk mengelola aimed at managing potential operational risks that can
potensi risiko operasional yang dapat menyebabkan cause financial and non-financial losses for the Bank.
kerugian finansial maupun non-finansial bagi Bank.
Organisasi Manajemen Risiko Operasional Organization of Operational Risk Management
Setiap unit kerja sebagai pemilik risiko bertanggung Each work unit, as the risk owner, is responsible for
jawab untuk mengelola risiko operasional yang terjadi managing operational risks that occur in their respective
di unit kerja masing-masing. Pemantauan terhadap units. Monitoring of the implementation of operational
penerapan manajemen risiko operasional dilakukan oleh risk management is carried out by the Risk Management
Satuan Kerja Manajemen Risiko sebagai lini pertahanan Unit as the second line of defense and SKAI as the third
kedua dan SKAI sebagai lini pertahanan ketiga. line of defense.
Pengukuran Risiko Operasional Measurement of Operational Risk
Bank menggunakan pendekatan standard dalam The Bank applies the standardized approach in
mengukur risiko operasional terkait perhitungan Aset measuring operational risk for the calculation of
Tertimbang Menurut Risiko (ATMR) karena dianggap Risk-Weighted Assets (RWA), as it is considered
memadai untuk memenuhi kebutuhan Bank. sufficient to meet the Bank’s needs.
Pemantauan Risiko Operasional Monitoring of Operational Risk
Bank melakukan pemantauan risiko operasional terhadap The Bank is monitoring the operational risk all activities
seluruh kegiatan Bank yang berpotensi menimbulkan that have the potential to cause losses. Based on
kerugian. Berdasarkan temuan SKAI dilakukan pemetaan findings from SKAI, the Bank conducts mapping of root
terhadap penyebab kesalahan-kesalahan pada aktivitas causes of errors in its operational activities.
operasional Bank.
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Risiko Kepatuhan Compliance Risk Risiko kepatuhan dapat muncul jika Bank melanggar Compliance risk arises when the Bank breaches peraturan perundang-undangan dan ketentuan yang applicable laws and regulations. To minimize berlaku. Untuk mengurangi potensi risiko kepatuhan, the potential for compliance risk, the Bank has Bank membentuk Departemen Kepatuhan yang established a Compliance Department responsible bertanggung jawab atas kepatuhan terhadap peraturan for ensuring adherence to regulations and dan pelaksanaan Program Anti-Pencucian Uang dan the implementation of the Anti-Money Laundering Pencegahan Pendanaan Terorisme (APU-PPT). Bank and Counter-Terrorism Financing (AML-CTF) program. mempunyai komitmen yang kuat untuk senantiasa The Bank is strongly committed to consistently mematuhi dan mengambil langkah-langkah untuk complying with applicable regulations and taking memperbaiki kelemahan/kekurangan serta secara proactive steps to address weaknesses or deficiencies proaktif melakukan pencegahan (ex-ante) dan tindakan through preventive (ex-ante) and corrective (ex-post) kuratif (ex-post). Bank juga menjalankan upaya-upaya actions. The Bank also carries out preventive measures yang bersifat preventif (ex-ante) yang dapat ditempuh (ex-ante) by adhering to established banking principles dengan mematuhi berbagai kaidah perbankan yang to reduce or minimize the risks associated with berlaku untuk mengurangi atau memperkecil risiko the Bank’s business activities, as well as consistently kegiatan usaha Bank, serta senantiasa memastikan nilai, ensures that values, behavior, and actions support perilaku, dan tindakan yang mendukung terciptanya compliance with Financial Services Authority provisions kepatuhan terhadap ketentuan Otoritas Jasa Keuangan and laws and regulations. dan ketentuan peraturan perundang-undangan. Organisasi Manajemen Risiko Kepatuhan Compliance Risk Management Organization Direktur yang membawahkan fungsi kepatuhan memiliki In accordance with provisions governing peran krusial dalam manajemen risiko kepatuhan sesuai the implementation of the Bank’s compliance function, ketentuan yang mengatur pelaksanaan fungsi kepatuhan the Director overseeing the compliance function plays Bank. Bank juga memiliki Satuan Kerja Kepatuhan yang a crucial role in compliance risk management. The Bank secara langsung bertanggung jawab kepada Direktur also has a Compliance Unit that reports directly to Kepatuhan. the Compliance Director. Pengukuran Risiko Kepatuhan Compliance Risk Measurement Pengukuran risiko kepatuhan menggunakan parameter Compliance risk measurement uses parameters such as berupa jenis, signifikansi, dan frekuensi pelanggaran type, significance, and frequency of violations against terhadap ketentuan atau rekam jejak kepatuhan Bank. provisions or the Bank’s compliance track record. Pengelolaan Risiko Kepatuhan Compliance Risk Management Bank menyadari bahwa risiko yang timbul akibat The Bank recognizes that risks from non-compliance with ketidakpatuhan terhadap ketentuan regulator applicable regulatory provisions and laws can impact dan peraturan perundang-undangan yang berlaku the Bank’s operations and reputation. Therefore, the Bank dapat memengaruhi operasional dan reputasi Bank. constantly adheres to regulations, rectifies weaknesses/ Sehubungan dengan hal tersebut, Bank senantiasa deficiencies, proactively carries out preventions mematuhi peraturan, melakukan perbaikan terhadap (ex-ante) to minimize the occurrence of violations kelemahan/kekurangan, secara proaktif melakukan and corrective actions (ex-post) for improvement and pencegahan (ex-ante) dalam rangka meminimalkan to effectively manage compliance risks, aligning with terjadinya pelanggaran, melakukan tindakan kuratif the comprehensive risk management framework (ex-post) dalam rangka perbaikan, dan harus mampu established across the Bank, including ensuring mengelola risiko kepatuhan agar sejalan dengan the fulfillment of commitments made to regulators penerapan manajemen risiko yang telah berjalan di and that the Bank’s policies, provisions, systems and Bank secara keseluruhan, di antaranya memastikan procedures, and business activities conducted comply pemenuhan tindak lanjut komitmen kepada regulator, with the Financial Services Authority provisions and laws memastikan kebijakan, ketentuan, sistem, dan prosedur, and regulations. In addition to these implementations, serta kegiatan usaha yang dilakukan oleh Bank telah the Bank’s compliance risk management includes 264 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
sesuai dengan ketentuan Otoritas Jasa Keuangan dan conducting self-assessments through Good Corporate
ketentuan peraturan perundang-undangan. Selain Governance (GCG) evaluations and monitoring
implementasi tersebut, Bank dalam pengelolaan risiko the implementation of Anti-Money Laundering and
kepatuhan telah menjalankan proses self-assessment Counter-Terrorism Financing (AML/CTF) programs.
berupa pelaksanaan GCG dan pemantauan terhadap
pelaksanaan APU dan PPT.
Risiko Reputasi Reputation Risk
Risiko reputasi merupakan risiko akibat menurunnya Reputation risk is a risk that arises from a decline in
tingkat kepercayaan pemangku kepentingan yang stakeholder trust, stemming from negative perceptions
bersumber dari persepsi negatif terhadap Bank. Risiko towards the Bank. This risk may arise from incidents that
reputasi dapat bersumber dari kejadian-kejadian yang damage the Bank’s reputation, such as negative media
telah merugikan reputasi Bank, misalnya pemberitaan coverage, violations of business ethics, or customer
negatif di media massa, pelanggaran etika bisnis, dan complaints.
keluhan nasabah.
Organisasi Manajemen Risiko Reputasi Organization of Reputation Risk Management
Bank dalam mengelola risiko reputasi mempunyai In managing reputational risk, the Bank is firmly
komitmen yang kuat untuk memberikan penyelesaian committed to resolving every customer complaint.
atas setiap keluhan nasabah. Hal ini ditunjukkan This is demonstrated by the Bank’s integration of
dengan menyelesaikan setiap keluhan nasabah melalui the customer complaint handling function within
integrasi fungsi pengaduan nasabah dalam unit kerja the Customer Service unit or via a dedicated call center
Customer Service atau melalui call center yang secara that handles customer issues by phone. In addressing
khusus menangani keluhan nasabah melalui telepon. customer complaints, the Operations Division
Dalam mengelola keluhan nasabah, Divisi Operasional coordinates with business and legal units to provide
berkoordinasi dengan unit kerja bisnis dan hukum untuk appropriate resolutions.
memberikan solusi penyelesaian atas keluhan nasabah.
Pengelolaan Risiko Reputasi Reputation Risk Management
Dalam upaya mengelola risiko reputasi, Bank melakukan To manage reputation risk, the Bank takes the following
langkah-langkah berikut: measures:
1. Memiliki kebijakan dan prosedur tentang penanganan 1. Establishes policies and procedures for handling
pengaduan nasabah. customer complaints.
2. Membentuk Departemen Service Quality 2. Forms a Service Quality Management Department
Management yang bertugas menjaga kepuasan tasked with maintaining customer satisfaction by,
nasabah, antara lain dengan meningkatkan standar among others, improving the standards of service
layanan kepada nasabah. provided to customers.
3. Melakukan pemantauan keluhan nasabah yang 3. Monitors customer complaints submitted by each
disampaikan oleh masing-masing kantor operasional, operational office, tracks the development of
perkembangan jumlah keluhan, serta memastikan the number of complaints, and ensures proper
penanganannya. handling.
4. Menerapkan prinsip transparansi informasi kepada 4. Implements the principle of information
nasabah dengan memberikan informasi kepada transparency to customers by providing information
nasabah atas manfaat, risiko maupun biaya dari about the benefits, risks, and costs of each product
setiap produk, serta layanan yang disediakan oleh and service offered by the Bank, ensuring customers
Bank sehingga nasabah mendapatkan informasi yang receive balanced information about the products or
berimbang atas produk atau layanan yang digunakan services they use.
nasabah.
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Risiko Hukum Legal Risk
Risiko hukum adalah risiko kemungkinan timbulnya Legal risk is the risk of potential legal claims
tuntutan hukum dan/atau kelemahan aspek yuridis yang and/or weaknesses in legal aspects arising from weak
berasal dari perikatan yang lemah oleh Bank, ketiadaan contractual agreements entered into by the Bank,
dan/atau perubahan peraturan perundang-undangan the absence of and/or changes in laws and regulations
yang menyebabkan suatu transaksi yang telah dilakukan that result in Bank transactions being non-compliant
Bank tidak sesuai dengan ketentuan yang berlaku, dan with applicable provisions, as well as litigation processes
proses litigasi yang timbul dari gugatan pihak ketiga stemming from lawsuits filed against the Bank by third
terhadap Bank ataupun sebaliknya. parties or vice versa.
Organisasi Manajemen Risiko Hukum Organization of Legal Risk Management
Bank mengurangi risiko hukum dengan membentuk The Bank mitigates legal risk by establishing the Legal
Divisi Hukum yang berfungsi sebagai legal watch Division, which functions as a legal watch not only
tidak saja terhadap hukum positif tetapi juga terhadap over positive law but also over applicable regulatory
ketentuan-ketentuan peraturan yang berlaku. Divisi provisions. The Legal Division holds the following
Hukum memiliki tanggung jawab sebagai berikut: responsibilities:
1. Memberikan nasihat dan opini hukum kepada Direksi 1. Providing legal advice and legal to the Board of
dan/atau anggota manajemen lainnya atas hal-hal Directors and/or other management members on
yang menyangkut bisnis, strategi operasi, inisiatif, matters concerning business, operational strategy,
dan permasalahan hukum; initiatives, and legal issues;
2. Membantu anggota Manajer Senior dalam membuat 2. Assisting members of Senior Management in
sistem dan prosedur untuk mengontrol risiko hukum; developing systems and procedures to control legal
risk;
3. Mengelola eksekusi dari strategi bisnis dengan cara 3. Managing the execution of business strategies by
memitigasi risiko hukum; mitigating legal risk;
4. Mengkaji akad, kontrak, dan dokumen hukum Bank 4. Reviewing agreements, contracts, and the Bank’s
dengan pihak lain dalam hal efektivitas mitigasi risiko legal documents with third parties in terms of
hukum yang mungkin ditimbulkan oleh dokumen- the effectiveness of mitigating potential legal risks
dokumen tersebut; dan arising from such documents; and
5. Memonitor perkara pengadilan yang sedang 5. Monitoring ongoing litigation by keeping track of all
berlangsung dengan mengikuti segala developments.
perkembangannya.
Pengelolaan Risiko Hukum Legal Risk Management
Pengendalian risiko hukum dimulai sejak Bank menjalin Control of legal risk begins when the Bank
kerja sama bisnis dengan nasabah, baik dalam transaksi establishes business cooperation with customers
simpanan, kredit, dan layanan lainnya. Kelengkapan in deposit transactions, credit, and other services.
dokumen administrasi menjadi syarat penting dalam The completeness of administrative documents is
pembukaan rekening maupun dalam transaksi a key requirement for account opening and banking
perbankan, sehingga apabila nasabah tidak dapat transactions. If a customer is unable to provide
menyediakan dokumen dimaksud maka Bank tidak the required documents, the Bank will not be able to
dapat melakukan transaksi tersebut. Seluruh aktivitas process the transaction. All customer service activities
pelayanan kepada nasabah dilengkapi dengan kebijakan are supported by policies and procedures designed to
dan prosedur untuk menghindari keluhan nasabah yang prevent customer complaints that could lead to legal
dapat berujung pada masalah hukum dan agar setiap issues and to ensure that every Bank employee can
pegawai Bank dapat melayani transaksi nasabah dengan handle customer transactions more prudently.
lebih prudent.
Untuk pengendalian risiko hukum dalam penerbitan To control legal risk in the issuance of new products
produk dan aktivitas baru, Unit Kerja Hukum melakukan and activities, the Legal Unit reviews the Cooperation
penelaahan terhadap Perjanjian Kerja Sama untuk Agreement to ensure the Bank’s legal position is correct.
memastikan posisi hukum Bank berada pada posisi yang
benar.
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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 inaccuracies
pengambilan dan/atau pelaksanaan keputusan stratejik in the decision making and/or execution of strategic
serta kegagalan dalam mengantisipasi perubahan decisions and failure to anticipate changes in
lingkungan bisnis. Risiko stratejik dapat bersumber the business environment. Strategic risk may arise,
antara lain dari kelemahan dalam proses formulasi among other things, from weaknesses in the strategy
strategi dan ketidaktepatan dalam perumusan strategi, formulation process and inaccuracies in strategic
sistem informasi manajemen yang kurang memadai, planning, inadequate management information
hasil analisa lingkungan internal dan eksternal yang systems, insufficient analysis of internal and external
kurang memadai, penetapan tujuan stratejik yang terlalu environments, overly aggressive strategic objectives,
agresif, ketidaktepatan dalam implementasi strategi, ineffective strategy implementation, and failure to
dan kegagalan mengantisipasi perubahan lingkungan anticipate changes in the business environment.
bisnis.
Organisasi Manajemen Risiko Stratejik Organization of Strategic Risk Management
Direksi dan Dewan Komisaris menyusun dan The Board of Directors and Board of Commissioners
menyetujui rencana stratejik dan rencana bisnis dan prepare and approve strategic and business plans, and
mengomunikasikan kepada pegawai Bank pada setiap communicating them to employees at all organizational
jenjang organisasi. Direksi memantau kondisi internal levels. The Board of Directors monitors the Bank’s internal
Bank, termasuk kelemahan dan kekuatan Bank, serta conditions including its strengths and weaknesses as
perkembangan faktor atau kondisi eksternal yang secara well as external factors or developments that directly
langsung atau tidak langsung memengaruhi strategi or indirectly affect the Bank’s established business
usaha Bank yang telah ditetapkan. strategies.
Pengelolaan Risiko Stratejik Strategic Risk Management
Pengendalian risiko stratejik dilakukan oleh seluruh Strategic risk control is carried out by all work units,
unit kerja, terutama unit kerja bisnis dari kantor cabang particularly business units from branch offices to
hingga kantor pusat. Evaluasi terhadap pencapaian head office. Business performance is evaluated on
bisnis dilakukan setiap bulan dengan cakupan evaluasi a monthly basis, covering not only the achievement of
selain terhadap pencapaian target yang telah ditetapkan, established targets but also identifying and addressing
juga termasuk mencari solusi atas kendala-kendala yang obstacles encountered in the field. These measures are
dihadapi di lapangan. Semua langkah tersebut dilakukan implemented to ensure the Bank’s strategy is executed
untuk menjaga pelaksanaan strategi Bank sesuai dengan as planned and to mitigate strategic risk. The Bank has
yang ditetapkan dan meminimalkan risiko stratejik. instituted several steps in its strategic risk management
Beberapa langkah manajemen risiko stratejik yang telah approach, which
diterapkan oleh Bank meliputi: include:
1. Melakukan evaluasi atas hasil kerja yang telah 1. Evaluating the outcomes that have been achieved,
dicapai, beserta faktor penyebab tidak tercapainya identifying the factors that have prevented
target Bank, dilanjutkan dengan mitigasi atas faktor the Bank from reaching its targets, and subsequently
risiko penyebab kerugian; implementing measures to mitigate the risk factors
that have led to losses;
2. Melakukan perbaikan atas rencana kerja semula 2. Refining the initial work plan with the objective of
dalam upaya mencapai target Bank yang telah achieving the targets set by the Bank; and
ditetapkan; dan
3. Mengidentifikasi peluang dan ancaman di dalam 3. Identifying opportunities and threats in achieving
mencapai hasil usaha yang dicanangkan di dalam the business performance targets set out in the RBB.
RBB. Apabila terdapat perubahan dari faktor eksternal If there are changes in external or internal factors
dan internal yang diharapkan dapat memengaruhi that are expected to affect the Bank’s initial business
rencana bisnis awal Bank, maka penyesuaian atas plan, adjustments to the business plan will be made
rencana bisnis akan dilakukan untuk merespons to respond to such changes.
perubahan tersebut.
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Risiko terkait Iklim Climate-related Risks
Risiko terkait iklim merupakan salah satu risiko yang Climate-related risk is one of the risks that
berpotensi mempengaruhi keberlanjutan usaha Bank potentially affect the Bank’s business sustainability in
dalam jangka pendek, jangka menengah, dan jangka the short-term, medium-term, and long-term.
panjang. Oleh karena itu, Bank mempertimbangkan Accordingly, the Bank is considering climate-related
risiko terkait iklim, baik yang bersifat fisik maupun risks, both physical and transition, in the formulation
transisi, dalam penyusunan strategi bisnis dan kerangka of its business strategy and comprehensive risk
manajemen risiko secara menyeluruh. management framework.
Analisis risiko terkait iklim dilakukan dengan The climate-related risks analysis is conducted by
memperhatikan RBB, arah kebijakan pembangunan taking into account the RBB, the direction of national
nasional, serta target dan komitmen pemerintah development policy, as well as government’s targets and
sebagaimana tertuang dalam dokumen Nationally commitments as outlined in the Nationally Determined
Determined Contribution (NDC) dan komitmen Contribution (NDC) and the net zero emission
pencapaian net zero emission, serta dokumen lain yang commitment, as well as other documents issued by
ditetapkan oleh kementerian dan/atau instansi yang relevant ministries and/or agencies. This approach aims
berwenang. Pendekatan ini bertujuan untuk memastikan to ensure that the Bank’s business strategy remains
bahwa strategi bisnis Bank tetap adaptif terhadap adaptive to the dynamics of climate change and
dinamika perubahan iklim dan kebijakan transisi menuju transition to a sustainable economy.
ekonomi berkelanjutan.
Bank secara bertahap mengembangkan strategi mitigasi The Bank is gradually developing mitigation strategies
untuk meminimalkan potensi dampak risiko terkait iklim to minimize the potential impact of climate-related risks
terhadap kegiatan usaha, termasuk melalui penyesuaian on its business activities, including through adjustments
kebijakan pembiayaan, penguatan manajemen of financial policies, risk management strengthening,
risiko, serta peningkatan kesiapan organisasi dalam and improvement of organizational preparedness in
menghadapi perubahan lingkungan eksternal. facing the changing external environment.
Organisasi Manajemen Risiko terkait Iklim Climate-related Risks Management Organization
Pengelolaan risiko terkait iklim dilaksanakan dalam The management of climate-related risks is conducted
kerangka tata kelola yang selaras dengan struktur within a governance framework aligned with the Bank’s
organisasi Bank. Direksi bertanggung jawab untuk organizational structure. The Board of Directors is
menyusun kebijakan, strategi, serta memastikan responsible to formulate policies, strategies, as well as
implementasi pengelolaan risiko terkait iklim berjalan ensuring that the implementation of climate-related risk
secara efektif dan terintegrasi dalam manajemen risiko management is running effectively and integrated with
Bank. the Bank’s overall risk management framework.
Dewan Komisaris melakukan pengawasan dan evaluasi The Board of Commissioners is carrying out
atas kebijakan serta pelaksanaan pengelolaan risiko the supervision and evaluation of policies and
terkait iklim yang ditetapkan oleh Direksi, termasuk implementation of climate-related risks management
memberikan arahan perbaikan apabila diperlukan. established by Board of Directors, as well as providing
Unit kerja terkait berperan sesuai dengan fungsi correction directive when needed. Relevant work
dan kewenangannya dalam mendukung identifikasi, units perform their respective roles and authorities
pemantauan, dan pengelolaan risiko terkait iklim. in supporting the identification, monitoring, and
management of climate-related risks.
Struktur organisasi manajemen risiko yang dimiliki Bank The Bank’s risk management organizational structure
dinilai memadai untuk mendukung pengelolaan risiko is seen as adequate to support the climate-related
terkait iklim, dengan mekanisme koordinasi antar unit risks management, with a clear and tiered coordination
kerja yang jelas dan berjenjang. mechanism among the work units.
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Tata Kelola Perusahaan
Corporate Governance
Kebijakan, Prosedur, dan Limit Risiko Policy, Procedure, and Limit of
terkait Iklim Climate-related Risks
Bank memiliki kebijakan dan prosedur manajemen risiko The Bank has risk management policies and procedures
yang mencakup risiko terkait iklim sebagai bagian dari that include climate-related risks as part of its risk
kebijakan penerapan manajemen risiko sesuai dengan management implementation policy, in accordance
ketentuan Otoritas Jasa Keuangan mengenai penerapan with Financial Services Authority regulations on
manajemen risiko bagi bank umum. Kebijakan dan implementation of risk management for commercial
prosedur tersebut disusun untuk memastikan risiko banks. These policies and procedures are prepared to
terkait iklim dapat diidentifikasi, diukur, dipantau, dan ensure that climate-related risks can be adequately
dikendalikan secara memadai. identified, measured, monitored, and controlled.
Dalam rangka menjaga profil risiko Bank tetap berada In maintaining Bank’s risk profile to remain within
dalam batas yang dapat diterima, Bank secara bertahap acceptable limits, the Bank gradually establishes
menetapkan pengendalian dan limit risiko yang relevan controls and risk limits relevant to climate-related risks,
dengan risiko terkait iklim, dengan mempertimbangkan by taking into account its business characteristics, risk
karakteristik usaha, eksposur risiko, serta kapasitas exposures, and the Bank’s capital capacity. In addition,
permodalan Bank. Selain itu, Bank telah memiliki the Bank already has internal Bank policies in relation
kebijakan internal Bank dalam rangka Rencana Aksi to the Sustainable Finance Action Plan in accordance
Keuangan Berkelanjutan sesuai Peraturan Otoritas Jasa with Financial Services Authority Regulation
Keuangan Nomor 51/POJK.03/2017. Number 51/POJK.03/2017.
Pengendalian Risiko terkait Iklim melalui Controlling Climate-related Risks through
Three Lines of Defence Three Lines of Defense
Bank memperhitungkan risiko terkait iklim dalam The Bank is taking into account climate-related
kerangka pengendalian internal melalui penerapan three risks into its internal control framework through
lines of defence. Lini pertama, yaitu unit bisnis dan the implementation of the three lines of defense. First
unit operasional, bertanggung jawab dalam mengelola line, business and operational units, are responsible
risiko terkait iklim yang melekat pada aktivitas usaha. for managing climate-related inherent risks in their
Lini kedua, yang mencakup fungsi manajemen risiko business activities. Second line, risk management and
dan kepatuhan, berperan dalam menyusun kebijakan, compliance functions, plays a role to prepare policy,
melakukan pemantauan, serta memastikan kepatuhan conduct monitoring, as well as ensuring adherence to
terhadap ketentuan yang berlaku. Lini ketiga, yaitu applicable regulations. Third line, namely SKAI, performs
SKAI, melakukan penilaian independen atas efektivitas independent assessment of the effectiveness of
penerapan pengelolaan risiko terkait iklim. climate-related risk management implementation.
Penerapan three lines of defence tersebut bertujuan The implementation of the three lines of defense is
untuk memastikan bahwa identifikasi, pengukuran, aimed to ensure that the identification, measurement,
dan mitigasi risiko terkait iklim dilakukan secara tepat, and mitigation of climate-related risks are done
komprehensif, dan berkesinambungan. accurately, comprehensively, and continuously.
Bank telah memiliki kebijakan internal yakni Surat Edaran The Bank has established an internal policy, namely
Manajemen Nomor 008 dalam rangka pelaksanaan Management Circular Letter Number 008, in
Rencana Aksi Keuangan Berkelanjutan sesuai Peraturan the implementation of Sustainable Finance Action
Otoritas Jasa Keuangan Nomor 51/POJK.03/2017. Bank Plan in accordance with Financial Services Authority
menetapkan Corporate Secretary sebagai pengelola Regulation Number 51/POJK.03/2017. The Bank has
program keuangan berkelanjutan, serta melibatkan appointed the Corporate Secretary as the manager of
Unit Manajemen Risiko. Tanggung jawab pengelolaan sustainable finance program, while involving the Risk
risiko iklim disesuaikan dengan kompleksitas usaha, dan Management Unit. The responsibility for managing
pengawasan dilakukan secara berjenjang oleh Direksi climate risk is adjusted to the business complexity, with
melalui pelaporan dan evaluasi berkala. Saat ini, Bank supervision conducted in a tiered manner by the Board
sedang menyusun penyesuaian terhadap kebijakan of Directors through periodic reporting and evaluation.
tersebut untuk mengintegrasikan aspek pengelolaan Currently, the Bank is preparing the adjustments to
risiko iklim sebagaimana diamanatkan dalam Panduan the policies to integrate climate risk management
Credit Risk Management System (CRMS) Otoritas aspects as mandated under the 2024 Credit Risk
Jasa Keuangan 2024. Sebagai tindak lanjut, akan Management System (CRMS) Guidelines from
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disusun Surat Keputusan Direksi terkait penunjukan the Financial Services Authority. As a follow-up,
unit kerja yang secara khusus bertanggung jawab dalam a Board of Directors Decree will be issued regarding
pengelolaan risiko iklim, serta penguatan peran Direksi the appointment of a unit dedicated to be responsible
dan manajemen dalam pengawasan yang efektif. for climate risk management, as well as strengthening
the role of the Board of Directors and management in
an effective supervision.
Risiko Keuangan terkait Iklim dan Climate-related Financial Risks and
Kecukupan Risk Appetite Adequacy of Risk Appetite
Bank mengidentifikasi, memantau, dan mengelola risiko The Bank is identifying, monitoring, and managing
keuangan terkait iklim yang berpotensi memengaruhi climate-related financial risks that may potentially
kondisi keuangan, termasuk permodalan dan likuiditas. affecting financial condition, including its capital and
Risiko tersebut dipertimbangkan dalam penetapan liquidity. These risks are taken into account in determining
risk appetite dan kerangka manajemen risiko Bank the Bank’s risk appetite and risk management framework
guna memastikan ketahanan keuangan Bank dalam in ensuring the Bank’s financial resilience in facing
menghadapi dampak perubahan iklim. the impacts of climate change.
Pendekatan pengelolaan risiko keuangan terkait The climate-related financial risks approach is
iklim dilakukan secara proporsional dengan implemented proportionally by taking into account
mempertimbangkan skala usaha, kompleksitas bisnis, the business scale, business complexity, and the Bank’s
serta tingkat eksposur Bank terhadap risiko tersebut. level of exposure to the risks.
Bank telah memiliki RAKB sebagai bagian dari The Bank has established RAKB as part of its strategic
perencanaan strategis untuk mendukung transisi planning to support the transition toward a sustainable
menuju ekonomi berkelanjutan. RAKB mencakup economy. The RAKB contains the Bank’s commitments
komitmen dan inisiatif Bank dalam mengintegrasikan and initiatives in integrating sustainable finance
prinsip keuangan berkelanjutan ke dalam proses bisnis, principles into the business processes, including
termasuk perencanaan atas risiko dan peluang transisi planning for transition-related risks and opportunities
terkait perubahan iklim. associated with climate change.
Saat ini, Bank juga sedang memperkuat integrasi aspek Currently, the Bank is gradually strengthening
risiko iklim dalam kerangka manajemen risiko secara the integration of climate risk aspects into its risk
bertahap guna memastikan risiko transisi dan risiko fisik management framework to ensure that the significant
yang signifikan dapat diidentifikasi, diukur, dimitigasi, transition risks and physical risks can be effectively
serta dimonitor secara efektif dan selaras dengan identified, measured, mitigated, and monitored, in line
kompleksitas usaha Bank. with the complexity of the Bank’s business.
Bank juga sedang menyusun kebijakan pendukung, The Bank is also developing supporting policies,
termasuk desain dan analisis skenario risiko iklim yang including design and analysis of proportionate climate
proporsional dan mengacu pada standar, seperti risk scenarios, by referring to standards, such as
Network for Greening the Financial System (NGFS), the Network for Greening the Financial System (NGFS),
agar selaras dengan Panduan CRMS OJK 2024. to be in alignment with the 2024 CRMS OJK Guidelines.
Evaluasi Penerapan Sistem Evaluation of Risk Management System
Manajemen Risiko Implementation
Bank secara konsisten melakukan peninjauan berkala The Bank is consistently conducting periodic review of
terhadap sistem manajemen risiko untuk memastikan its risk management system to ensure its effectiveness
efektivitasnya dalam merespons dinamika operasional in responding to operational dynamics or strategic
maupun tantangan strategis. Melalui proses evaluasi challenges. This evaluation enables the Bank to
tersebut, Bank dapat mengidentifikasi area yang identify areas requiring strengthening and assessing
memerlukan penguatan serta menilai kecukupan the adequacy of existing internal controls. The evaluation
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Tata Kelola Perusahaan
Corporate Governance
pengendalian internal yang ada. Hasil evaluasi kemudian results are used as the basis to formulate proactive
menjadi dasar dalam perumusan langkah-langkah measures to refine the risk management strategies,
proaktif guna menyempurnakan strategi pengelolaan allowing them to remain relevant to changes in
risiko, sehingga tetap relevan dengan perubahan kondisi the business conditions, regulations, or the development
bisnis, regulasi, maupun perkembangan lingkungan of external environment.
eksternal.
Pernyataan Dewan Komisaris dan Direksi Statement of the Board of Commissioners
atas Kecukupan Manajemen Risiko and the Board of Directors on Risk
Management Adequacy
Berdasarkan hasil pengawasan dan evaluasi yang Based on the results of supervision and evaluation
dilakukan oleh Dewan Komisaris, Komite Pemantau conducted by the Board of Commissioners, Risk
Risiko, Direksi, Komite Manajemen Risiko, serta Satuan Monitoring Committee, Board of Directors, as well
Kerja Manajemen Risiko, penerapan sistem manajemen as the Risk Management Committee, and Risk
risiko Bank sepanjang tahun 2025 dinilai berjalan efektif Management Unit, the Bank’s risk management system
dan terkelola dengan baik. Seluruh risiko yang muncul implementation throughout 2025 is considered to be
selama periode pelaporan dapat diidentifikasi secara effective and well-managed. All risks that occurred
tepat dan ditangani melalui langkah mitigasi yang during the reporting period were properly identified
relevan serta terukur. and addressed with relevant and measurable mitigation
measures.
Fungsi Kepatuhan
Compliance Function
Fungsi Kepatuhan merupakan elemen kunci dalam The Compliance function is a key element in maintaining
menjaga kredibilitas dan integritas operasional Bank. the operational credibility and integrity of the Bank.
Melalui penerapan prinsip kepatuhan, Bank memastikan With the implementation of compliance principles,
setiap aktivitas usaha berjalan sesuai dengan peraturan the Bank ensures all business activities are conducted
perundang-undangan serta ketentuan regulator yang in line with applicable laws, regulations, as well as
berlaku. Untuk mendukung efektivitas implementasinya, regulatory requirements. To support an effective
Bank membentuk Satuan Kerja Kepatuhan yang implementation, the Bank has established Compliance
berperan dalam melakukan pengawasan, memberikan Unit, which is responsible to carry out supervision,
arahan, serta memastikan pencegahan terhadap potensi provision of directives, and ensuring prevention of
pelanggaran. potential violations.
Pedoman Guidelines
Dalam melaksanakan perannya, Satuan Kerja Kepatuhan In carrying out its role, the Compliance Unit
beroperasi dengan berlandaskan pada ketentuan operates in line with regulatory provisions,
regulator, khususnya Peraturan Otoritas Jasa Keuangan particularly Financial Services Authority Regulation
Nomor 46/POJK.03/2017 mengenai Fungsi Kepatuhan Number 46/POJK.03/2017 concerning the Compliance
Bank Umum. Function of Commercial Banks.
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Penanggung Jawab Unit in Charge
Bank membentuk Satuan Kerja Kepatuhan yang bersifat The Bank has formed a Compliance Unit that is
independen dari unit operasional dan berada langsung independent from the operational units and directly
di bawah pengawasan Direktur yang membawahi fungsi under the supervision of the Director overseeing
kepatuhan. Unit ini menjalankan peran strategis dalam the compliance function. This Unit is running a strategic
memastikan efektivitas penerapan prinsip kepatuhan. role in ensuring effective implementation of compliance
Secara umum, Satuan Kerja Kepatuhan memiliki tugas principles. In general, Compliance Unit has the following
dan tanggung jawab sebagai berikut: duties and responsibilities:
1. Memastikan kepatuhan Bank terhadap ketentuan 1. Ensuring the Bank’s compliance with Bank Indonesia
Bank Indonesia, Peraturan Otoritas Jasa Keuangan, regulations, Financial Services Authority regulations,
serta peraturan perundang-undangan yang berlaku and applicable laws and regulations by providing
dengan memberikan arahan dan/atau instruksi baik guidance and/or instructions, both verbally and in
secara lisan maupun secara tertulis (kebijakan, writing (policies, memos, e-mails), both routinely and
memo, e-mail), baik secara rutin maupun insidental incidentally to the relevant work units as needed;
kepada unit-unit kerja terkait sesuai kebutuhan;
2. Menyampaikan laporan pelaksanaan tugas dan 2. Submitting a report on the implementation of
tanggung jawab secara triwulanan kepada Direktur duties and responsibilities on a quarterly basis to
Utama dengan tembusan kepada Dewan Komisaris the President Director with a copy to the Board of
atau pihak yang berwenang sesuai struktur Commissioners or the authorized party according to
organisasi; the organizational structure;
3. Melakukan perumusan strategi guna mendorong 3. Formulating strategies to promote the creation of
terciptanya budaya kepatuhan Bank; a compliance culture within the Bank;
4. Mengusulkan kebijakan kepatuhan atau 4. Proposing compliance policies or compliance
prinsip-prinsip kepatuhan yang akan ditetapkan oleh principles to be determined by the Board of
Direksi, baik secara rutin dalam rapat Direksi maupun Directors, both routinely in the Board of Directors
secara insidental sesuai kebutuhan. Selain itu, ikut meetings and incidentally as needed. In addition,
terlibat dalam proses pembuatan kebijakan serta taking part in the policy-making process and
penyempurnaan kebijakan dan tata kerja; dan the refinement of policies and work procedures; and
5. Memastikan seluruh kebijakan, ketentuan, sistem, 5. Ensuring that all policies, regulations, systems,
prosedur, serta kegiatan usaha yang dilakukan Bank procedures, and business activities carried out by
telah sesuai dengan ketentuan Bank Indonesia, the Bank are in accordance with Bank Indonesia
ketentuan Otoritas Jasa Keuangan, serta peraturan regulations, Financial Services Authority regulations,
perundang-undangan yang berlaku dengan and applicable laws and regulations by providing
memberikan arahan dan/atau instruksi kepada guidance and/or instructions to the Compliance Unit
Satuan Kerja Kepatuhan sebagai unit kerja yang as the work unit responsible for the fulfillment of
bertanggung jawab terhadap pemenuhan aspek the compliance aspect in the Bank’s business
kepatuhan dalam kegiatan bisnis Bank melalui activities through studies and opinions.
pembuatan kajian dan opini.
Selain itu, dalam menjalankan fungsi kepatuhan, Direktur Also, in carrying out its compliance function, the Bank’s
Kepatuhan Bank memiliki tugas dan tanggung jawab Compliance Director has the following duties and
sebagai berikut: responsibilities:
1. Mewujudkan terlaksananya budaya kepatuhan pada 1. Realizing the implementation of compliance on
semua tingkatan organisasi dan kegiatan usaha Bank; all levels of the Bank’s organization and business
activities;
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank; 2. Managing the compliance risks faced by the Bank;
3. Memastikan agar kebijakan, ketentuan, sistem, 3. Ensuring that the policies, regulations, systems,
dan prosedur serta kegiatan usaha yang dilakukan procedures, and business activities conducted
oleh Bank telah sesuai dengan ketentuan by the Bank are in line with the provisions of
Otoritas Jasa Keuangan dan ketentuan peraturan the Financial Services Authority and prevailing laws
perundang-undangan; dan and regulations; and
4. Memastikan kepatuhan Bank terhadap komitmen 4. Ensuring Bank’s compliance to commitments made
yang dibuat oleh Bank kepada Otoritas Jasa Keuangan by the Bank to the Financial Services Authority
dan/atau otoritas pengawas lain yang berwenang. and/or other relevant supervisory authorities.
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Laporan Singkat Pelaksanaan Program Kerja Brief Report on the Implementation of the
Fungsi Kepatuhan Tahun 2025 Compliance Function Work Program in 2025
Sepanjang tahun 2025, Satuan Kerja Kepatuhan telah Throughout 2025, the Compliance Unit has carried
melaksanakan program kerja yang dirancang untuk out its work program designed to strengthen
memperkuat penerapan prinsip kepatuhan di seluruh implementation of compliance principles across all
lini organisasi. Realisasi program kerja tersebut dapat levels of the organization. The realization of the work
diuraikan sebagai berikut: programs can be outlined as follows:
1. Membuat langkah untuk mendukung terciptanya 1. Preparing measures to support establishment of
budaya kepatuhan pada seluruh kegiatan usaha Bank compliance culture on all business activities of
pada setiap jenjang organisasi; the Bank at every level of the organization;
2. Melakukan pengelolaan risiko kepatuhan Bank; 2. Managing the compliance risks of the Bank;
3. Menilai dan mengevaluasi efektivitas, kecukupan, 3. Assessing and evaluating the effectiveness,
dan kesesuaian kebijakan, ketentuan, sistem, adequacy, and conformity of the policies, regulations,
maupun prosedur yang dimiliki oleh Bank dengan systems, or procedures owned by the Bank with
ketentuan peraturan perundang-undangan; the prevailing laws and regulations;
4. Melakukan kaji ulang dan/atau merekomendasikan 4. Reviewing and/or recommending updates and
penginian dan penyempurnaan kebijakan, ketentuan, refinements to the policies, regulations, systems, and
sistem, maupun prosedur yang dimiliki oleh Bank agar procedures owned by the Bank to be in alignment
sesuai dengan ketentuan Otoritas Jasa Keuangan with the provisions of the Financial Services
dan ketentuan peraturan perundang-undangan; Authority and prevailing laws and regulations;
5. Melakukan upaya untuk memastikan bahwa 5. Conducting efforts to ensure that the policies,
kebijakan, ketentuan, sistem dan prosedur, serta regulations, systems, procedures, and business
kegiatan usaha Bank telah sesuai dengan ketentuan activities of the Bank are in accordance with
Otoritas Jasa Keuangan dan ketentuan peraturan provisions of the Financial Services Authority and
perundang-undangan; dan provisions of laws and regulations; and
6. Memastikan kepatuhan Bank terhadap komitmen 6. Ensuring Bank’s compliance to commitments made
yang dibuat oleh Bank kepada Otoritas Jasa by the Bank to the Financial Services Authority
Keuangan dan/atau otoritas pengawas lain yang and/or other relevant supervisory authorities.
berwenang.
Sementara itu, Direktur Kepatuhan telah menjalankan Meanwhile, the Compliance Director had conducted
berbagai aktivitas sebagai wujud pelaksanaan tugas dan various activities as part of the implementation of
tanggung jawabnya dalam fungsi kepatuhan, dengan his/her duties and responsibilities in the compliance
rincian sebagai berikut: function, with the following details:
1. Merumuskan strategi guna mendorong terciptanya 1. Formulating strategies to drive the realization of
budaya kepatuhan Bank; a Bank’s compliance culture;
2. Mengusulkan kebijakan kepatuhan atau prinsip- 2. Proposing compliance policies or compliance
prinsip kepatuhan yang akan ditetapkan oleh Direksi; principles to be established by the Board of Directors;
3. Memastikan bahwa seluruh kebijakan, ketentuan, 3. Ensuring that all policies, regulations, systems,
sistem, dan prosedur, serta kegiatan usaha yang procedures, and business activities of
dilakukan Bank telah sesuai dengan ketentuan the Bank are in accordance with the provisions of
Otoritas Jasa Keuangan dan ketentuan peraturan the Financial Services Authority and prevailing laws
perundang-undangan; and regulations;
4. Meminimalkan risiko kepatuhan Bank; 4. Minimizing the Bank’s compliance risks;
5. Melakukan tindakan pencegahan agar kebijakan 5. Carrying out preventive measures to ensure that
dan/atau keputusan yang diambil Direksi Bank policies and/or decisions made by the Board of
atau pimpinan kantor cabang dari Bank yang Directors or branch managers of the Bank located
berkedudukan di luar negeri tidak menyimpang dari overseas do not deviate from provisions of
ketentuan Otoritas Jasa Keuangan dan ketentuan the Financial Services Authority and provisions of
peraturan perundang-undangan; dan laws and regulations; and
6. Memastikan kepatuhan Bank terhadap komitmen 6. Ensuring Bank’s compliance to commitments made
yang dibuat oleh Bank kepada Otoritas Jasa Keuangan by the Bank to the Financial Services Authority
dan/atau otoritas pengawas lain yang berwenang. and/or other relevant supervisory authorities.
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Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Development
Sepanjang tahun 2025, Satuan Kerja Kepatuhan aktif Throughout 2025, the Compliance Unit actively
mengikuti program pengembangan kompetensi, dengan participated in competency development programs,
materi terkait “Peran Governance, Risk, and Compliance with materials related to “The Role of Governance,
(GRC) dalam Meningkatkan Kepercayaan Investor dan Risk, and Compliance (GRC) in Enhancing Investor
Stabilitas Keuangan”, Seminar “Sustability Accounting Confidence and Financial Stability,” seminar on
and Reporting in The Financial Services”, dan Pelatihan “Sustainability Accounting and Reporting in the Financial
Program Monitoring Berbasis Risiko Tindak Pidana Services Sector,” and Training on Risk-Based Monitoring
Pencucian Uang dan TPPT dari Tindak Pidana Siber. Programs for Money Laundering and TPPT from Cyber
Crimes.
Kepatuhan Terintegrasi yang Didukung Integrated Compliance Supported by
Digitalisasi, Inovasi Teknologi, serta Sistem Digitalization, Technological Innovation,
dan Prosedur yang Memadai and Adequate Systems and Procedures
Bank menerapkan tata kelola, manajemen risiko, dan The Bank is implementing governance, risk management,
kepatuhan secara terintegrasi dengan dukungan and compliance in an integrated manner, backed by
digitalisasi, inovasi teknologi, serta sistem dan prosedur digitalization, technological innovation, as well as
yang memadai. Penerapan ini diwujudkan melalui adequate systems and procedures. This implementation
penetapan kebijakan dan prosedur yang selaras, is realized by establishing the aligned policies and
mekanisme koordinasi dan pelaporan terintegrasi, procedures, integrated coordination and reporting
serta pemanfaatan sistem informasi manajemen mechanisms, as well as the utilization of management
yang mendukung pengawasan dan pengendalian information systems supporting a comprehensive
secara menyeluruh. Integrasi tersebut dilaksanakan supervision and control. This integration is carried out
berdasarkan kerangka three lines of defence yang under the three lines of defense framework, consisting
mencakup lini manajemen bisnis, lini manajemen risiko of business management line, risk and compliance
dan kepatuhan, serta lini audit internal, guna memastikan management line, and internal audit line, to ensure
efektivitas pengendalian internal dan mendukung proses the effectiveness of internal control and supporting
pengambilan keputusan yang prudent, akuntabel, prudent, accountable, decision-making, in accordance
dan sesuai dengan ketentuan peraturan perundang- with the provisions of the laws and regulations.
undangan.
Tingkat Kepatuhan Bank Bank Compliance Level
Bank secara konsisten menjaga tingkat kepatuhan The Bank is consistently maintaining a high level of
yang tinggi terhadap seluruh ketentuan dan peraturan compliance with all applicable provisions of the laws and
perundang-undangan yang berlaku, termasuk peraturan regulations, including those issued by Financial Services
Otoritas Jasa Keuangan, Bank Indonesia, serta ketentuan Authority, Bank Indonesia, as well as other relevant
otoritas lain yang relevan. Pelaksanaan fungsi kepatuhan authorities. The compliance function is carried out in
dilakukan secara terstruktur dan independen melalui a structured and independent manner through
pemantauan kepatuhan atas kebijakan internal, aktivitas compliance monitoring on internal policies, business
usaha, dan pelaksanaan komitmen Bank kepada otoritas activities, and the implementation of Bank’s
yang berwenang. Sepanjang tahun pelaporan, Bank commitments to relevant authorities. Throughout
melakukan pemantauan, evaluasi, dan tindak lanjut atas the reporting year, the Bank has carried out monitoring,
pemenuhan ketentuan serta komitmen regulator secara evaluation, and follow-up on fulfilment of provisions
berkelanjutan guna memastikan kegiatan usaha Bank and regulatory commitments on an ongoing basis to
berjalan sesuai prinsip kehati-hatian, tata kelola yang ensure the Bank’s business activities are carried out in
baik, dan ketentuan yang berlaku. accordance with prudential principles, good governance
practices, and applicable regulations.
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Tata Kelola Perusahaan
Corporate Governance
Dalam upaya untuk memperkuat tingkat kepatuhan In a bid to strengthen the Bank’s compliance level in
Bank di tahun 2025, Satuan Kerja Kepatuhan telah 2025, the Compliance Unit has conducted several
melakukan sejumlah upaya-upaya yang bersifat preventif preventive (ex-ante) efforts, including as follows:
(ex-ante) yaitu:
1. Mendorong terciptanya budaya kepatuhan 1. Promoting a culture of compliance across
di seluruh jenjang organisasi melalui pemantauan all organizational levels by monitoring
penerapan fungsi kepatuhan dalam kegiatan usaha the implementation of compliance function
Bank, termasuk pelaporan eksternal, penyusunan in the Bank’s business activities, including
kebijakan, serta penyesuaian ketentuan internal external reporting, policy formulation, as well as
terhadap perkembangan regulasi eksternal. the adjustment of internal regulations in line with
Selain itu, Satuan Kerja Kepatuhan juga secara developments in external regulations. In addition,
aktif memberikan wawasan kepada pengelola the Compliance Unit is actively providing insights
dan/atau pegawai melalui sosialisasi ketentuan to the management and/or employees through
terkini dari Bank Indonesia, Otoritas Jasa Keuangan, the dissemination of the latest provisions from
dan regulator lainnya, yang disampaikan melalui Bank Indonesia, Financial Services Authority, and
e-mail, memorandum internal, maupun diskusi yang other regulators, delivered via e-mail, internal
bersifat konsultatif dengan unit kerja terkait; memorandum, or discussion with the relevant work
units;
2. Menilai dan mengevaluasi efektivitas, kecukupan, 2. Assessing and evaluating the effectiveness,
dan kesesuaian kebijakan, ketentuan, sistem, dan adequacy, and alignment of the Bank’s policies,
prosedur Bank terhadap peraturan perundang- regulations, systems, and procedures with
undangan yang berlaku. Evaluasi dilakukan melalui the applicable laws and regulations. The evaluation
penelaahan atas rancangan kebijakan, ketentuan, is carried out through the review of draft policies,
serta sistem dan prosedur, disertai dengan provisions, as well as systems, and procedures,
penyusunan kajian dan opini kepatuhan sesuai accompanied by the preparation of compliance
kebutuhan; studies and opinions as needed;
3. Memberikan rekomendasi pembaruan dan 3. Providing recommendations for the updating and
penyempurnaan kebijakan, ketentuan, sistem, dan improvement of Bank’s policies, regulations, systems,
prosedur Bank, agar selaras dengan regulasi Otoritas and procedures to be in line with regulations of
Jasa Keuangan dan ketentuan perundang-undangan the Financial Services Authority and other prevailing
lainnya; dan laws; and
4. Melakukan verifikasi kesesuaian kegiatan usaha Bank 4. Verifying the alignment of the Bank’s business
dengan kebijakan, ketentuan, sistem dan prosedur activities with applicable policies, regulations,
yang berlaku, guna memastikan seluruh pelaksanaan systems, and procedures, to ensure that all
operasional telah sejalan dengan regulasi Otoritas operational implementations comply with
Jasa Keuangan dan ketentuan hukum yang berlaku. the regulations of the Financial Services Authority
and prevailing legal provisions.
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Perkara Hukum
Legal Matters
Jumlah perkara hukum yang dihadapi Bank pada tahun The following table is presenting the number of cases
2025 sebagai berikut: faced by the Bank in 2025:
Total Kasus
Total Cases
Permasalahan Hukum
Legal Cases
Perdata Pidana
Civil Criminal
Telah Mendapat Putusan yang mempunyai Kekuatan Hukum Tetap
2 -
Already has Permanent Legal Force
Dalam Proses Penyelesaian
2 1
In Progress
Total 4 1
Pengaruh Sanksi
Pokok Perkara Status Penyelesaian terhadap Bank Administrasi
Main Case Settlement Status Impact on the Administrative
Bank Sanctions
Dalam Proses Penyelesaian / In Progress
Perseroan telah melaporkan Almarhum Sutris (Eks Debitur telah meninggal dunia - -
Debitur Perseroan/Debitur) dan Didik (mantan pada tanggal 27 Maret 2015 dan
karyawan Perseroan) ke Kepolisian Resort Solo pemeriksaan terhadap perkara
dengan dugaan penipuan dengan cara mendapatkan tersebut telah dihentikan oleh
keuntungan diri sendiri atau orang lain, membuat Kepolisian Resort Solo namun sampai
penafsiran nilai/harga tanah dengan Sertifikat Hak dengan saat ini Kepolisian Resort Solo
Milik (SHM) yang menjadi objek jaminan pengajuan masih belum menyampaikan Surat
kredit di Perseroan yang tidak sesuai dengan harga Perintah Penghentian Penyidikan
pasar, dengan kewajiban sebesar Rp2.709.710.563,- (SP 3) atas perkara tersebut.
berdasarkan Surat Tanda Penerimaan Pelaporan
Nomor STPL/177/XI/2012/SPK.II tanggal
7 November 2012.
The Bank has reported the late Sutris (former The debtor passed away on
Debtor of the Company) and Didik (ex-employee of 27 March 2015, and
the Company) to Solo District Police with a fraud the investigation into
allegation, through act of benefiting themselves or the case has been terminated by
through interpretation of value/price of land with the Solo District Police. However,
Freehold Title Certificates (SHM) used as collateral for until now, the Solo District Police
credit facilities at the Company, which was not in line has not yet issued an Order for
with the market value, with an outstanding obligation Termination of Investigation (SP3) in
of Rp2,709,710,563, based on Report Receipt relation to the case.
Letter Number STPL/177/XI/2012/SPK.II dated
7 November 2012.
PT Ciremai Putera Mandiri dinyatakan pailit Saat ini kurator sedang dalam - -
berdasarkan Putusan Majelis Hakim Pengadilan proses melakukan pemberesan
Niaga pada Pengadilan Negeri Jakarta Pusat harta pailit yang menjadi jaminan
Nomor 43/Pdt.Sus-Pembatalan Perdamaian/2023/ PT Ciremai Putera Mandiri (dalam pailit)
PN.Niaga.Jkt.Pst, tertanggal 26 Oktober 2023. di Perseroan.
PT Ciremai Putera Mandiri was declared bankrupt
Currently, the curator is liquidating
based on the Decision of the Panel of Judges of
the bankruptcy estate, including
the Commercial Court at Central Jakarta
assets used as collateral by
Dis-trict Court Number 43/Pdt.Sus-Pembatalan
PT Ciremai Putera Mandiri
Perdamaian/2023/PN.Niaga.Jkt.Pst dated 26 October
(in bankruptcy) to the Company.
2023.
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Tata Kelola Perusahaan
Corporate Governance
Pengaruh Sanksi
Pokok Perkara Status Penyelesaian terhadap Bank Administrasi
Main Case Settlement Status Impact on the Administrative
Bank Sanctions
PT Batik Delapan Satu (Eks Debitur) selaku Penggugat Bahwa saat ini Perseroan masih - -
I, Asikin Aliwarga selaku Penggugat ll, Sofwan menunggu putusan kasasi dari
Aliwarga selaku Penggugat III (secara bersama- Mahkamah Agung Republik Indonesia.
sama disebut Para Penggugat) mengajukan gugatan
perbuatan melawan hukum kepada Perseroan selaku
Tergugat I dan Wise Dragon Limited selaku Tergugat
II yang gugatannya didaftarkan di Kepaniteraan
Pengadilan Negeri Jakarta Selatan dengan Register
Perkara Nomor 619/Pdt.G/2024/PN.Jkt.Sel pada
tanggal 27.
PT Batik Delapan Satu (ex-Debtor), as Plaintiff As of now, the Company is still
I, Asikin Aliwarga as Plaintiff II, and Sofwan waiting for the cassation decision
Aliwarga as Plaintiff III (collectively referred to as from the Supreme Court of
the Plaintiffs), filed a lawsuit for unlawful act against the Republic of Indonesia.
the Company as Defendant I and Wise Dragon Limited
as Defendant II, of which the lawsuit was registered with
the Registrar of South Jakarta District Court with
Case Number 619/Pdt.G/2024/PN.Jkt.Sel on 27.
Telah Mendapat Putusan yang Mempunyai Kekuatan Hukum Tetap / Already has Permanent Legal Force
Hanna Tanadi selaku Penggugat I, David Julianto Bahwa Mahkamah Agung Republik - -
selaku Penggugat II, Tifana selaku Penggugat III Indonesia telah memberikan putusan
(secara bersama-sama disebut Para Penggugat) pada tanggal 24 Maret 2025 yang
mengajukan gugatan Perbuatan Melawan Hukum pada pokoknya menggabulkan
kepada Lim Victory Halim selaku Tergugat I, gugatan Para Penggugat untuk
Vidi Andito selaku Tergugat II, Adiaty Hadi selaku sebagian. Atas putusan tersebut tidak
Tergugat III, Perseroan selaku Tergugat IV, dan ada upaya hukum dari Tergugat.
Kepala Kantor Pertanahan Kota Administrasi Jakarta
Utara selaku Turut Tergugat, yang gugatannya telah
didaftarkan di Kepaniteraan Pengadilan Negeri
Jakarta Utara dengan Nomor 666/Pdt.G/2022/
PN.Jkt.Utr tanggal 11 Oktober 2022, dan Yuliana
Ang selaku Penggugat Intervensi, mengajukan
Surat Gugatan Intervensi pada tanggal 12 Juli 2023.
Para Penggugat dan Penggugat Intervensi adalah
Ahli Waris dari Almarhum Juyatno yang merupakan
pemilik sebelumnya dari Sertifikat Hak Milik Nomor
1323/Pluit, Surat Ukur Nomor 1435/1995 tanggal
26 Mei 1995 yang terletak di Jalan Pluit Putri
Nomor 19, Blok C Kavling Nomor 10, Pluit,
Penjaringan, Jakarta Utara dengan Luas 514 m2
(SHM Nomor 1323/Pluit). SHM Nomor 1323/Pluit
telah dibalik nama ke atas nama Lim Victory Halim
berdasarkan Akta Kuasa Jual dan Akta Jual Beli. Bahwa
Gugatan Perbuatan Melawan Hukum ini diajukan oleh
Para Penggugat dengan tujuan untuk pembatalan atas
Akta Jual Beli tersebut.
Hanna Tanadi as Plaintiff I, David Julianto as Plaintiff The Supreme Court of the Republic
II, Tifana as Plaintiff III (“collectively referred to of Indonesia has rendered its
as the Plaintiffs”) filed a lawsuit for unlawful act decision on 24 March 2025, which
against Lim Victory Halim as Defendant I, Vidi Andito in substance partially granted
as Defendant II, Adiaty Hadi as Defendant III, the the Plaintiffs’ claims. No further
Company as Defendant IV, and the Head of the Land legal remedies were pursued by
Office of the North Jakarta Administrative City as the Defendants against the decision.
Co-Defendant, which law-suit has been registered
at the Registrar of the North Jakarta District Court
with Number 666/Pdt.G/2022/PN.Jkt.Utr dated
11 October 2022, and Yuliana Ang as the Intervention
Plaintiff filed an Intervention Lawsuit on 12 July 2023.
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Pengaruh Sanksi
Pokok Perkara Status Penyelesaian terhadap Bank Administrasi
Main Case Settlement Status Impact on the Administrative
Bank Sanctions
The Plaintiffs and the Intervention Plaintiff are
the Heirs of the late Juyatno who was the previous
owner of Sertifikat Hak Milik Number 1323/Pluit, Surat
Ukur Number 1435/1995 dated 26 May 1995 located at
Jalan Pluit Putri Number 19, Blok C Kavling Number 10,
Pluit, Penjaringan, North Jakarta with an area of 514
M2 (SHM Number 1323/Pluit). SHM Number 1323/Pluit
has been changed into the name of Lim Victory Halim
based on the deed of power of attorney to sale and
sale and purchase deed. The lawsuit for unlawful act
was filed by the Plaintiffs with the objective of seeking
the annulment of the said Deed of Sale and Purchase.
Leonardogmir selaku Pelawan mengajukan gugatan Bahwa Mahkamah Agung Republik - -
perlawanan kepada Perseroan selaku Terlawan Indonesia telah memberikan putusan
dan Lidya Purba selaku Turut Terlawan, yang pada tanggal 31 Juli 2025 yang
gugatannya telah didaftarkan di Kepaniteraan menyatakan menolak Permohonan
Pengadilan Negeri Jakarta Barat dengan Kasasi yang diajukan Pelawan. Atas
Nomor 770/Pdt.G/2023/PN.Jkt.Brt tanggal putusan tersebut tidak ada upaya
29 Agustus 2023 sehubungan dengan Perseroan hukum dari Pelawan.
telah melakukan pengajuan sita jaminan dan
telah mendapatkan penetapan sita eksekusi
dari Pengadilan Negeri Jakarta Barat dengan
Nomor 28/2017 Eks.Jo.No.118/2018 pada tanggal
16 April 2018 atas Objek Jaminan SHM
Nomor 7643/Joglo, yang terletak di Kelurahan
Joglo, Kecamatan Kembangan, Kota Administrasi
Jakarta Barat, Provinsi DKI Jakarta atas nama
Janda Lidia Purba (Purba, Lidia). Bahwa gugatan
perlawanan ini diajukan oleh Pelawan dengan tujuan
untuk menangguhkan dan menyatakan penetapan
Ketua Pengadilan Negeri Jakarta Barat dengan
Nomor 28/2017 Jo. Nomor 18/2018 tertanggal
16 April 2018 terkait Pelaksanaan Sita Eksekusi
Terhadap Objek SHM Nomor 7643/Joglo tidak sah,
batal demi hukum, dan tidak mengikat.
Leonardogmir as the Plaintiff in opposition filed The Supreme Court of the Republic
a third party opposition lawsuit against the Company of Indonesia has rendered its decision
as the Respondent in opposition and Lidya Purba as on 31 July 2025, which in substance
the Co-Respondent in opposition, which lawsuit rejected the Cassation Petition filed
has been registered at the Registrar of the West by the Plaintiff in opposition. No
Jakarta District Court with Number 770/Pdt.G/2023/ further legal remedies were pursued
PN.Jkt.Brt dated 29 August 2023 in connection with by the Plaintiff in opposition against
the Company has filed a collateral confiscation the decision.
and has obtained a determination of confiscation
of execution from the West Jakarta District Court
with Case Number 28/2017 Eks.Jo.No.118./2018
on 16 April 2018 on the collateral object SHM
Number 7643/Joglo, located in Joglo Village,
Kembangan Subdistrict, West Jakarta Administrative
City, Jakarta Special Capital Region Province in
the name of Widow Lidia Purba (Purba, Lidia). That
this third party opposition lawsuit was filed by
the Plaintiff in opposition with the aim of suspending
and declaring the decision of the Chairman of
the West Jakarta District Court with Number 28/2017
Jo. Number 18/2018 dated 16 April 2018 related to
the Implementation of Execution Confiscation against
the Object of SHM Number 7643/Joglo is invalid, null
and void, and not binding.
278 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Program Anti-Pencucian Uang, Pencegahan
Pendanaan Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata Pemusnah
Massal [POJK F.1]
Anti-Money Laundering, Counter-Terrorism Financing,
and Counter-Proliferation of Weapons of Mass Destruction
Financing Program
Bank berkomitmen untuk menjaga integritas operasional The Bank is committed to maintain its operational
dengan menerapkan langkah-langkah pencegahan yang integrity by implementing proactive prevention
proaktif terhadap risiko pencucian uang, pendanaan measures for the risks of money laundering, terrorism
terorisme, serta pendanaan proliferasi senjata pemusnah financing, and financing of the proliferation of weapons
massal. Komitmen ini diwujudkan melalui pelaksanaan of mass destruction. This commitment is realized by
program Anti-Pencucian Uang (APU), Pencegahan implementing the Anti-Money Laundering (AML),
Pendanaan Terorisme (PPT), dan Pencegahan Pendanaan Counter-Terrorism Financing (CTF), and Counter-
Proliferasi Senjata Pemusnah Massal (PPPSPM) yang Proliferation of Weapons of Mass Destruction Financing
diintegrasikan ke dalam seluruh proses bisnis Bank. (CPF) programs, which are integrated into all of the Bank’s
Penerapan program tersebut didukung oleh pedoman business process. The implementation of these programs
internal yang mencakup sejumlah kebijakan dan is supported by internal guidelines that cover several
prosedur penting, antara lain: important policies and procedures, such as:
1. Pengawasan manajemen: 1. Management supervision:
a. Pengawasan aktif Dewan Komisaris: a. Active Supervision by the Board of
Commissioners:
• Memberikan persetujuan atas kebijakan • Approving the AML, CTF, and CPF program
penerapan program APU, PPT, dan PPPSPM; implementation policy;
• Melakukan pengawasan atas kepatuhan • Overseeing compliance with
terhadap penerapan program APU, PPT, dan the implementation of the AML, CTF, and
PPPSPM melalui Direktur yang membawahi CPF programs through the Director in charge
fungsi kepatuhan dan/atau melalui SKAI; dan of the compliance function and/or through
the SKAI; and
• Memastikan adanya pembahasan terkait • Ensuring discussions related to
penerapan program APU, PPT, dan PPPSPM the implementation of the AML, CTF, and
dalam rapat Dewan Komisaris dan Direksi. CPF programs in the Board of Commissioners
and Board of Directors meetings.
b. Pengawasan aktif Direksi: b. Active Supervision by the Board of Directors:
• Memastikan bahwa Bank memiliki kebijakan • Ensuring that the Bank has policies and
dan prosedur program APU, PPT, dan procedures for the AML, CTF, and CPF
PPPSPM, serta penerapan program APU, PPT, programs and that the implementation of
dan PPPSPM dilaksanakan sesuai dengan the AML, CTF, and CPF programs is carried
kebijakan dan prosedur tertulis yang telah out in accordance with the established
ditetapkan; written policies and procedures;
• Mengusulkan kebijakan dan prosedur tertulis • Proposing written policies and procedures
program APU, PPT, dan PPPSPM kepada for AML, CTF, and CPF programs to Board of
Dewan Komisaris; Commissioners;
• Melakukan pengawasan atas kepatuhan unit • Supervising the compliance of work units
kerja dalam menerapkan program APU, PPT, in implementing the AML, CTF, and CPF
dan PPPSPM; programs;
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• Memastikan bahwa seluruh karyawan, • Ensuring that all employees, especially
khususnya karyawan dari unit kerja terkait employees from related work units and new
dan karyawan baru telah mengikuti pelatihan employees, have regularly attended training
yang berkaitan dengan program APU, PPT, related to the AML, CTF, and CPF programs
dan PPPSPM secara berkala;
• Memiliki komitmen terhadap penerapan • Committing to the implementation of
program APU, PPT, dan PPPSPM yaitu the AML, CTF, and CPF programs by providing
menyediakan sumber daya yang memadai; dan adequate resources; and
• Memahami, mengidentifikasi, dan • Understanding, identifying, and minimizing
meminimalkan risiko-risiko yang mungkin the risks that may arise in the implementation
timbul dalam penerapan program APU, PPT, of the AML, CTF, and CPF programs, namely
dan PPPSPM yaitu risiko operasional, risiko operational risk, legal risk, concentration risk,
hukum, risiko konsentrasi, dan risiko reputasi. and reputation risk.
2. Kebijakan dan prosedur, yaitu dengan menyusun dan 2. Policies and procedures, by formulating and updating
memutakhirkan kebijakan dan prosedur penerapan the policies and procedures for implementing
program APU, PPT, dan PPPSPM yang mengatur: the AML, CTF, and CPF programs that regulate:
a. Penerimaan, identifikasi, dan verifikasi nasabah; a. Customers acceptance, identification, and
verification;
b. Identifikasi dan verifikasi beneficial owner; b. Identification and verification of beneficial
owners;
c. Customer Due Dilligence (CDD); c. Customer Due Diligence (CDD);
d. Penutupan hubungan usaha; d. Termination of business relationships;
e. Pendekatan berdasarkan risiko (risk-based e. Risk-based approach;
approach);
f. Walk in Customer (WIC); f. Walk-in Customer (WIC);
g. Area berisiko tinggi dan Politically Exposed g. High-risk areas and Politically Exposed Person
Person (PEP); (PEP);
h. Cross border correspondent banking; h. Cross-border correspondent banking;
i. Transfer dana; i. Funds transfer;
j. Penatausahaan dokumen; dan j. Document administration; and
k. Pelaporan. k. Reporting.
3. Sistem informasi manajemen 3. Management information system
Sistem informasi manajemen merupakan bagian dari The management information system is part of
pengendalian internal Bank yang bertujuan untuk the Bank’s internal control aimed at identifying,
mengidentifikasi, memantau, menganalisis, dan monitoring, analyzing, and providing effective
menyediakan laporan efektif mengenai karakteristik reports on customer transaction characteristics.
transaksi nasabah. Sistem ini memungkinkan This system allows transaction tracing and provides
penelusuran transaksi dan menyediakan data untuk data for the Financial Services Authority, Financial
keperluan Otoritas Jasa Keuangan, Pusat Pelaporan Transaction Reports and Analysis Center (PPATK),
dan Analisis Transaksi Keuangan (PPATK), pajak, dan tax authorities, and law enforcement agencies.
penegak hukum.
4. Sumber daya manusia dan pelatihan 4. Human resources and training
Untuk menghasilkan sumber daya manusia yang To produce human resources that have adequate
mempunyai pengetahuan yang memadai mengenai knowledge about AML, CTF, and CPF in carrying
APU, PPT, dan PPPSPM di dalam menjalankan tugas- out their duties, the Bank is obliged to provide
tugasnya, maka Bank berkewajiban menyediakan continuous and regular training programs to all
program pelatihan secara berkesinambungan dan employees. The scope of training includes:
berkala kepada seluruh karyawan. Adapun cakupan
materi pelatihan di antaranya:
a. Penerapan peraturan perundang-undangan yang a. Implementation of laws and regulations related
terkait dengan program APU, PPT, dan PPPSPM; to the AML, CTF, and CPF program;
b. Teknik, metode, dan tipologi pencucian uang b. Techniques, methods, and typologies of money
dan/atau pendanaan terorisme; dan laundering and/or terrorism financing; and
c. Kebijakan dan prosedur penerapan program c. Policies and procedures for implementing AML,
APU, PPT, dan PPPSPM termasuk peran dan CTF, and CPF programs, including roles and
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Tata Kelola Perusahaan
Corporate Governance
tanggung jawab karyawan dalam mencegah dan responsibilities of employees in preventing and
memberantas tindak pidana pencucian uang, eradicating money laundering crimes, terrorism
tindak pidana pendanaan terorisme, dan/atau financing crimes, and/or proliferation of weapons
tindak pidana pendanaan proliferasi senjata of mass destruction financing crimes.
pemusnah massal.
5. Audit dan kepatuhan 5. Audit and Compliance
Untuk menguji efektivitas pelaksanaan program To test the effectiveness of the implementation of
APU, PPT, dan PPPSPM, Bank melibatkan pihak audit the AML, CTF, and CPF programs, the Bank engages
internal dan audit eksternal untuk memantau secara internal and external auditors to periodically
berkala apakah pelaksanaan program sudah sesuai monitor whether the program implementation is
dengan ketentuan yang berlaku atau sebaliknya. in accordance with the applicable provisions or
otherwise.
Laporan Singkat Pelaksanaan Program Kerja Brief Report on the Implementation of
Program Anti-Pencucian Uang, Pencegahan the Anti-Money Laundering, Counter-
Pendanaan Terorisme, dan Pencegahan Terrorism Financing, and Counter-
Pendanaan Proliferasi Senjata Pemusnah Proliferation of Weapons of Mass
Massal Tahun 2025 Destruction Financing Work Program
in 2025
Sepanjang tahun 2025, Bank memperkuat penerapan In 2025, the Bank strengthened the implementation of
program APU-PPT-PPPSPM melalui sejumlah langkah AML-CTF through the following strategic measures:
strategis, di antaranya:
1. Menguatkan implementasi kebijakan dan prosedur. 1. Strengthening the Implementation of Policies
Adapun aktivitas yang dilakukan meliputi hal-hal and Procedures. Activities conducted including
sebagai berikut: the following:
a. Penerimaan dan identifikasi nasabah (termasuk a. Customer (including beneficial owners)
beneficial owner); onboarding and identification;
b. Customer Due Dilligence (CDD) atau penerapan b. Customer Due Diligence (CDD) or
prinsip-prinsip Know Your Customer (KYC) dan the ap-plication of Know Your Customer (KYC)
Enhance Due Dilligence (EDD); and Enhanced Due Diligence (EDD) principles;
c. Penerapan Risk Based Approach (RBA); c. Risk-Based Approach (RBA) application;
d. Area berisiko tinggi dan Politically Exposed d. High-risk areas and Politically Exposed Persons
Person (PEP); (PEPs);
e. Pemantauan dan pelaporan; e. Monitoring and reporting;
f. Prosedur transfer dana; f. Fund transfer procedures;
g. Sistem informasi manajemen; g. Management information systems;
h. Melakukan pelatihan sumber daya manusia h. Conducting human resources training in AML,
di bidang APU, PPT, dan PPPSPM; CTF, and CPF matters;
i. Pengendalian internal; dan i. Internal controls; and
j. Melakukan penilaian kompleksitas usaha dan j. Business and transaction complexity
transaksi di kantor Bank. assessments at Bank offices.
2. Meningkat fungsi pengawasan manajemen Bank. 2. Enhancing the Bank’s management supervision
Dalam konteks ini, Direksi Bank bertanggung jawab functions. In this context, the Board of Directors
untuk memastikan bahwa penerapan prinsip APU, of the Bank is responsible for ensuring that
PPT, dan PPPSPM telah berjalan secara efektif the implementation of AML, CTF, and CPF principles
dengan cara sebagai berikut: have run effectively by:
a. Memastikan bahwa Bank telah mempunyai a. Ensuring that the Bank has policies and
kebijakan dan prosedur penerapan program APU, procedures for the implementation of AML, CTF,
PPT, dan PPPSPM; and CPF programs;
b. Merekomendasikan kebijakan dan prosedur b. Recommending policies and procedures for
tentang program APU, PPT, dan PPPSPM kepada the AML, CTF, and CPF programs to the Board of
Dewan Komisaris; Commissioners;
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c. Memastikan bahwa pelaksanaan program APU, c. Ensuring that the implementation of
PPT, dan PPPSPM telah sesuai dengan kebijakan the AML, CTF, and CPF programs are in line with
yang berlaku; the prevailing policies;
d. Memastikan bahwa seluruh unit kerja telah d. Ensuring that all work units have carried out
melaksanakan program APU, PPT, dan PPPSPM; the AML, CTF, and CPF programs;
e. Membentuk Unit Kerja Prinsip Mengenal Nasabah e. Established the Know Your Customer Principle
(UKPN) dan pejabat yang bertanggung jawab Work Unit (UKPN) and officers responsible to
melaksanakan pemantauan program APU, PPT, carry out monitoring of the AML, CTF, and CPF
dan PPPSPM di kantor pusat; programs at the head office;
f. Memantau pelaksanaan tugas UKPN yang f. Monitoring the implementation of UKPN duties,
bertanggung jawab dalam melaksanakan in charge for monitoring the AML, CTF, and CPF
pemantauan program APU, PPT, dan PPPSPM; programs;
g. Memastikan bahwa seluruh karyawan kantor g. Ensuring that all employees at branch and
cabang dan kantor cabang pembantu maupun sub-branch offices or cash offices appointed
kantor kas yang ditunjuk telah memahami dan have understood and performed their functions
menjalankan fungsinya dalam melaksanakan in implementing the AML, CTF, and CPF
program APU, PPT, dan PPPSPM; programs;
h. Memastikan bahwa kebijakan dan prosedur h. Ensuring that the policies and procedures on
tentang program APU, PPT, dan PPPSPM telah the AML, CTF, and CPF programs are in line
sejalan dengan perubahan dan pengembangan with the changes and development of products,
produk, jasa dan teknologi informasi perbankan; services and banking information technology;
i. Memastikan bahwa seluruh karyawan telah i. Ensuring that all employees have participated in
berpartisipasi mengikuti program pelatihan the training programs on AML, CTF, and CPF;
mengenai APU, PPT, dan PPPSPM;
j. Memastikan adanya pembahasan terkait j. Ensuring there are discussions related to
penerapan program APU, PPT, dan PPPSPM the implementation of the AML, CTF, and CPF at
dalam rapat Direksi; dan Board of Directors meetings; and
k. Memantau pelaksanaan penginian data nasabah k. Monitoring implementation of customer data
di seluruh jaringan kantor Bank. updates across all Bank’s office network.
Selain melibatkan Direksi, dalam hal penegakan In addition to involving the Board of Directors, in
aturan mengenai APU, PPT, dan PPPSPM, Bank juga enforcing regulations related to AML, CTF, and CPF,
melibatkan Dewan Komisaris dengan tanggung the Bank also involves the Board of Commissioners
jawab sebagai berikut: with following re-sponsibilities:
a. Memastikan memiliki kebijakan dan prosedur a. Ensuring availability of policies and procedures
penerapan program APU, PPT, dan PPPSPM; for the implementation of AML, CTF, and CPF
programs;
b. Memberikan persetujuan atas kebijakan dan b. Granting approval for policies and procedures
prosedur penerapan program APU, PPT, dan for the implementation of AML, CTF, and CPF
PPPSPM yang diusulkan oleh Direksi; programs proposed by the Board of Directors;
c. Melakukan evaluasi atas kebijakan dan prosedur c. Evaluating the policies and procedures for
penerapan program APU, PPT, dan PPPSPM; the implementation of AML, CTF, and CPF
programs;
d. Melakukan pengawasan atas pelaksanaan d. Supervising the implementation of Board of
tanggung jawab Direksi terhadap penerapan Directors’ responsibilities for the implementation
program APU, PPT, dan PPPSPM; dan of AML, CTF, and CPF programs; and
e. Memastikan adanya pembahasan terkait e. Ensuring there are discussions related to
penerapan progam APU, PPT, dan PPPSPM dalam the implementation of the AML, CTF, and
rapat Direksi dan Dewan Komisaris. CPF at the Board of Directors and Board of
Commissioners meetings.
3. Pengembangan kompetensi sumber daya manusia 3. Competency development of human resources
APU PPT PPPSPM related to AML, CTF, and CPF
Guna efektivitas pelaksanaan fungsi APU, PPT, The Bank provides trainings for an effective
dan PPPSPM Bank dilakukan pelatihan guna implementation of AML, CTF, and CPF function, to
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Tata Kelola Perusahaan
Corporate Governance
meningkatkan kualitas keterampilan dan kompetensi enhance the quality of skills and competency of
sumber daya manusia, di antaranya: the human resources, including as follows:
a. Memberikan training refreshment APU, PPT, dan a. Providing refreshment training on AML, CTF, and
PPPSPM kepada frontliner terkait implementasi CPF to frontliner related to the implementation
peraturan perundang-undangan yang terkait of laws and regulations related to AML, CTF,
dengan program APU, PPT, dan PPPSPM and CPF programs and typologies of money
dan tipologi pencucian uang dan pendanaan laundering and terrorism financing;
terorisme;
b. Sosialisasi kebijakan dan prosedur internal b. Dissemination of internal policies and procedures
penerapan program APU, PPT, dan PPPSPM serta for the implementation of the AML, CTF, and CPF
peran dan tanggung jawab seluruh karyawan programs as well as the roles and responsibilities
dalam memberantas pencucian uang dan of all employees in eradicating money laundering
pendanaan terorisme; and terrorism financing;
c. Memberikan sosialisasi dan pelatihan secara c. Providing continuous dissemination and trainings
berkesinambungan kepada frontliner untuk for frontliner to be able to identify and detect
dapat mengindentifikasi dan mendeteksi transactions considered as suspicious category;
transaksi-transaksi yang termasuk dalam kategori
mencurigakan;
d. Menindaklanjuti sosialisasi enhancement Sistem d. Following up on the dissemination of
Informasi Pengguna Jasa Terpadu (SIPESAT) the enhanced Integrated Customer Due
kepada PPATK sesuai jadwal yang telah Diligence Information System (SIPESAT) to
ditentukan; PPATK according to the set schedule;
e. Sosialisasi informasi dari pihak Direktorat Jenderal e. Information dissemination from the Directorate
Kependudukan dan Pencatatan Sipil (Dukcapil) General of Population and Civil Registration
terkait sistem akses data kependudukan kerja (Dukcapil) on system access to population
sama Bank dengan pihak Dukcapil; data under the cooperation between Bank and
Dukcapil;
f. Berpartisipasi dalam acara Financial Integrity f. Participating in the 2025 Financial Integrity
Rating on Money Laundering and Terrorism Rating on Money Laundering and Terrorism
Financing (FIR on ML/TF) Tahun 2025 yang Financing (FIR on ML/TF) held by PPATK; and
diadakan oleh PPATK; dan
g. Berpartisipasi dalam Sosialisasi Penerapan g. Participating in the Dissemination of Anti Money
Program Anti Pencucian Uang, Pencegahan Laundering, Counter-Terrorism Financing, and
Pendanaan Terorisme, dan Pencegahan Counter-Proliferation of Weapons of Mass
Pendanaa Proliferasi Senjata Pemusnah Massal Destruction Financing (AML, CTF, and CPF)
(APU, PPT, dan PPSPM) dan Pengembangan and Development of Information System of
Sistem Informasi Program APU PPT (SIGAP). AML-CTF Program (SIGAP).
4. Audit dan kepatuhan 4. Audit and Compliance
Untuk menguji efektivitas pelaksanaan program APU, To test out the effectiveness of the implementation
PPT, dan PPPSPM tersebut, Bank melibatkan pihak of AML, CTF, and CPF programs, the Bank
Internal Audit dan Eksternal Audit untuk memantau involves both Internal Audit and External Audit
secara berkala apakah pelaksanaan program tersebut to conduct periodic monitoring to ensure that
sudah sesuai dengan ketentuan yang berlaku atau the implementation of such programs is in line with
sebaliknya. prevailing regulations or otherwise.
5. Sistem informasi manajemen 5. Management information system
Hal-hal yang menjadi konsentrasi pada wilayah Key focus areas in the information systems and
sistem informasi dan manajemen yang mendukung management area that support the implementation
program APU, PPT, dan PPPSPM, di antaranya: of AML, CTF, and CPF programs including as follows:
a. Cakupan kebijakan dan prosedur tertulis yang a. Scope of existing written policies and
dimiliki telah mempertimbangkan faktor teknologi procedures has considered the information
informasi yang berpotensi disalah gunakan oleh technology factors that potentially be misused
pelaku pencucian uang, pendanaan terorisme, by perpetrators of money laundering, counter-
atau pendanaan proliferasi senjata pemusnah terrorism financing, and counter-proliferation of
massal; weapons of mass destruction financing;
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b. Bank melakukan kegiatan pemantauan yang b. The Bank is conducting monitoring that at least
sekurang-kurangnya mencakup hal-hal sebagai covering the following:
berikut:
• Secara berkesinambungan untuk • Continuously identifying the consistency
mengidentifikasi kesesuaian antara transaksi between customer transaction and
nasabah dengan profil nasabah dan customer profile and maintaining proper
menatausahakan dokumennya; documentation;
• Melakukan analisis terhadap seluruh transaksi • Conducting analysis on all transaction
yang tidak sesuai dengan profil nasabah; inconsistent with the customer profile;
• Memastikan kelengkapan informasi dan • Ensuring completeness of customer
dokumen nasabah; information and document;
• Meneliti kesesuaian antara profil transaksi • Examining consistency of transaction profile
dengan profil nasabah; and customer profile;
• Meneliti kemiripan atau kesamaan nama • Examining the name similarities against
dengan nama yang tercantum dalam daftar: the names listed in these following lists:
> Daftar teroris dan/atau Daftar Terduga > Terrorist List and/or List of Suspected
Teroris dan Organisasi Teroris (DTTOT) Terrorists and Terrorist Organizations
yang diterbitkan oleh Kepolisian; issued by the Police;
> Daftar pendanaan proliferasi senjata > List of Proliferation Financing for
pemusnah massal yang diterbitkan oleh Weapons of Mass Destruction issued by
PPATK; PPATK;
> Daftar pinjaman online ilegal dan daftar > Illegal Online Lending List and Online
perjudian online yang diterbitkan oleh Gambling List issued by Investment
Satgas Waspada Investasi Otoritas Jasa Alert Task Force Financial Services
Keuangan/instansi berwenang lainnya/ Authority/other relevant authorities /law
aparat penegak hukum; enforcement agencies;
> Daftar Hitam Nasional (DHN); > National Blacklist (DHN);
> Politically Exposed Person (PEP); dan > Politically Exposed Person (PEP); and
> Sistem Pengelolaan Informasi mengenai > Integrated Information Management
Terduga Pendanaan Terorisme Terintegrasi System for Suspected Terrorism
(SIPENDAR) sebagai penerapan peraturan Financing (SIPENDAR) as part of
PPATK. the implementation of PPATK regulations.
• Meneliti kemiripan atau kesamaan nama • Examining the name similarities or matches
dengan nama yang tercantum dalam Dukcapil against the names listed in Dukcapil and
dan pemenuhan pelaporan penggunaan fulfillment of reporting of the use of access
akses Kartu Tanda Penduduk (KTP) elektronik; of electronic Identity Card (e-KTP);
c. Secara berkala melakukan pengkinian data c. Conducting periodic data updates on
terhadap informasi dan dokumen nasabah; customer information and document;
d. Untuk kegiatan pemantauan profil dan transaksi d. For customer profile and transaction
nasabah, Bank memiliki sistem informasi yang monitoring activities, the Bank has
dapat mengidentifikasi, menganalisa, memantau an information system capable of identifying,
dan menyediakan laporan mengenai karakteristik analyzing, monitoring, and generating
transaksi yang dilakukan oleh nasabah; reports on transaction characteristics conducted
by customers;
e. Peningkatan kualitas dan monitoring serta e. Enhancement of quality and monitoring as well
menyampaikan Laporan Transaksi Keuangan as submitting the Report of Cash Financial
Tunai (LTKT), Laporan Transaksi Keuangan Transaction Reports (LTKT), Suspicious
Mencurigakan (LTKM), Laporan Transaksi Financial Transaction Reports (LTKM),
Keuangan Transfer Dana Dari dan Ke Luar Negeri Cross-Border Fund Transfer Transaction Reports
(LTKL), dan Sistem Informasi Pengguna Jasa (LTKL), and the Integrated Customer Due
Terpadu (SIPESAT) sesuai dengan ketentuan Diligence Information System (SIPESAT) in
yang ditentukan regulator; dan accordance with provisions set by regulators;
and
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Corporate Governance
f. Berperan aktif dalam mendukung pihak Otoritas f. Actively supporting Financial Services Authority
Jasa Keuangan dalam program Peran Aktif in the Banking’s Active Role to Combat Illegal
Perbankan Pemberantasan Pinjaman Online Online Lending and Online Gambling program, as
Ilegal dan Perjudian Online yang mana hal ini stated in the development of system parameters
dituangkan dalam pengembangan parameter for monitoring suspicious transactions as
sistem monitoring suspicious transaction concrete follow-up actions of the Bank.
sebagai bukti nyata tindak lanjut Bank.
Strategi Anti-Fraud [POJK F.1]
Anti-Fraud Strategy
Strategi anti fraud adalah strategi Bank dalam The anti-fraud strategy is the Bank’s strategy to control
mengendalikan fraud yang dirancang dengan mengacu fraud, which was designed by referring to the process
pada proses terjadinya fraud dengan memperhatikan of fraud creation by noticing the characteristics of
karakteristik dari potensi fraud yang komprehensif dan comprehensive fraud potentials and implemented in
diimplementasikan dalam bentuk sistem pengendalian the form of a fraud control system. The anti fraud
fraud. Strategi anti fraud dirancang sesuai karakteristik strategy is designed according to the Bank’s operational
operasional Bank, strategi ini selaras dengan sistem characteristics, this strategy is in alignment with
pengendalian internal dan menjadi bagian penting dari the internal control system and become an important
manajemen risiko secara menyeluruh. Adapun tujuan part of the overall risk management. Following are
utama penerapan strategi anti fraud sebagai berikut: the primary objectives of anti fraud strategy
implementation:
1. Mengidentifikasikan tindakan yang diperlukan dalam 1. Identifying the actions needed to minimize losses
meminimalkan kerugian atau potensi kerugian, serta or potential losses, and optimize recovery from
mengoptimalkan pemulihan akibat dari perbuatan fraudulent acts;
fraud;
2. Mengidentifikasi kelemahan kontrol dan 2. Identifying control weaknesses and recommending
merekomendasikan pengembangan kontrol atau control development or mitigation measures,
tindakan mitigasi, khususnya bagi unit bisnis dan especially for business units and for the Bank in
bagi Bank pada umumnya; general;
3. Mengidentifikasi modus operandi fraud; dan 3. Identifying the modus operandi of fraud; and
4. Menentukan pelaku dan pihak-pihak lain yang terkait 4. Determining the perpetrators and other parties
dengan kejadian fraud sebagai dasar pemberian connected to the fraud incident as a basis for
sanksi kepada yang bersangkutan. imposing sanctions on them.
Untuk memperkuat fungsi pengendalian fraud, Bank To strengthen fraud control function, the Bank has
membentuk Departemen Anti-Fraud yang bertanggung established an Anti-Fraud Department which is
jawab langsung kepada Direktur Utama serta directly responsible to the President Director as well
berkoordinasi dengan Dewan Komisaris. Selain itu, Bank as coordinating with the Board of Commissioners.
menanamkan budaya kesadaran anti-fraud kepada seluruh The Bank also instills an anti-fraud awareness culture
karyawan melalui penerapan pedoman dan kebijakan for all employees through the implementation of
yang komprehensif. Dalam rangka mengendalikan comprehensive guidelines and policies. In controlling
risiko terjadinya fraud, Bank telah memiliki pedoman the risk of fraud occurrence, the Bank has Anti-Fraud
Anti-Fraud dalam Surat Edaran Manajemen Nomor 009 guidelines set out in Management Circular Letter
perihal Standar Prosedur Operasi Strategi Anti-Fraud dan Number 009 regarding Standard Operating
melakukan penguatan struktur organisasi, pengendalian, Procedures for Anti-Fraud Strategy, and
dan pemantauan dengan membentuk Departemen strengthened its organizational structure, control,
Anti-Fraud yang bertanggung jawab langsung kepada and monitoring by establishing an Anti-Fraud
Direktur Utama dan memiliki hubungan komunikasi dengan Department which is directly responsible to
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Dewan Komisaris. Strategi anti fraud dalam bentuk the President Director and communicating with
sistem pengendalian fraud dijabarkan melalui 4 pilar the Board of Commissioners. The anti-fraud strategy, in
strategi pengendalian fraud yang saling berkaitan, yaitu: the form of a fraud control system, is described through
4 interconnected pillars of fraud control strategy, as
follows:
1. Pencegahan 1. Prevention
Pilar Pencegahan memuat langkah-langkah untuk The Prevention pillar contains measures to reduce
mengurangi risiko terjadinya fraud dengan cara the risk of fraud occurrence:
sebagai berikut:
a. Kesadaran anti fraud adalah upaya yang dilakukan a. Anti-fraud awareness is an effort carried out
secara periodik dan berkesinambungan untuk periodically and continuously to raise awareness
menumbuhkan kesadaran mengenai pentingnya of the importance of fraud prevention by all Bank
pencegahan fraud oleh seluruh karyawan employees and various parties related to the Bank,
Bank serta berbagai pihak yang berhubungan including outsourced personnel, customers, goods/
dengan Bank, antara lain pegawai alih daya, service providers, and others. Efforts to promote
nasabah, perusahaan penyedia barang/jasa, dan anti-fraud awareness include:
lain sebagainya. Upaya untuk menumbuhkan
kesadaran anti fraud dapat dilakukan antara lain:
• Deklarasi anti fraud • Anti-fraud declaration
Penerapan deklarasi anti fraud tertuang Implementation of anti-fraud declaration is
dalam Surat Pernyataan Pegawai yang stated in Employee Statement Letter signed by
ditandatangani oleh seluruh jajaran all personnel in the organization; and
organisasi; dan
• Program budaya anti fraud bagi karyawan; • Anti-fraud culture program for employees;
b. Identifikasi kerawanan, proses untuk b. Vulnerability identification, which is a process to
mengidentifikasi, menganalisis, dan menilai identify, analyze, and assess the potential risk of
potensi risiko terjadinya fraud yang dapat fraud occurrence that can be done periodically or
dilakukan secara berkala atau dalam hal terdapat when there are indications of fraud; and
indikasi fraud; dan
c. Kebijakan mengenal karyawan merupakan c. Know Your Employee policy is an effort to prevent
upaya pencegahan terjadinya fraud melalui fraud through the control of human resources
pengendalian dari aspek sumber daya manusia, aspect, which include ensuring the profile of
antara lain memastikan profil calon karyawan prospective employee has no criminal record.
tidak memiliki catatan kejahatan.
2. Deteksi 2. Detection
Pilar Deteksi memuat langkah-langkah untuk The Detection pillar contains measures to identify
mengidentifikasi dan menemukan fraud dalam and find fraud in the Bank’s business activities by:
kegiatan usaha Bank dengan cara sebagai berikut:
a. Kebijakan dan mekanisme penanganan a. Whistleblowing policy and mechanism, which
pengaduan (whistleblowing) dilakukan untuk is carried out to increase the effectiveness of
meningkatkan efektivitas penerapan sistem the implementation of the fraud control system
pengendalian fraud dengan menitikberatkan by focusing on the disclosure of complaints from
pada pengungkapan dari pengaduan karyawan Bank employees, customers, or other parties about
Bank, nasabah, atau pihak lain tentang adanya the occurrence or indication of fraud;
kejadian atau indikasi fraud;
b. Pemeriksaan mendadak (surprise audit), yaitu b. Surprise audit, an audit activity conducted on
kegiatan pemeriksaan yang dilakukan kepada branch offices randomly and periodically, without
kantor cabang secara acak dan berkala serta any knowledge of the time and date of the audit
tanpa diketahui waktu dan tanggal pemeriksaan by the audited branch office. Surprise audits are
oleh kantor cabang yang diperiksa. Pemeriksaan mainly performed on high-risk or fraud-prone
mendadak terutama dilakukan pada unit bisnis business units and activities; and
dan aktivitas yang berisiko tinggi atau rawan
terhadap terjadinya fraud; dan
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Tata Kelola Perusahaan
Corporate Governance
c. Sistem pengawasan, yaitu suatu tindakan c. Supervision system, which is a testing or
pengujian atau pemeriksaan yang dilakukan inspection carried out secretly without being
secara rahasia tanpa diketahui atau disadari oleh known or realized by the tested or inspected
pihak yang diuji atau diperiksa untuk memantau party to monitor and test the effectiveness of
dan menguji efektivitas kebijakan strategi the anti-fraud strategy policy.
anti fraud.
3. Investigasi, Pelaporan, dan Sanksi 3. Investigation, Reporting, and Sanctions
Pilar Investigasi, Pelaporan, dan Sanksi memuat The Investigation, Reporting, and Sanctions pillar
langkah-langkah untuk penyelidikan atau investigasi, contains measures to conduct investigation,
sistem pelaporan, dan pengenaan sanksi terhadap reporting system, and imposition of sanctions on
kejadian fraud. fraud incidents.
4. Pemantauan, Evaluasi, dan Tindak Lanjut 4. Monitoring, Evaluation, and Follow-up
Pilar Pemantauan, Evaluasi, dan Tindak Lanjut memuat The Monitoring, Evaluation, and Follow-up pillar
langkah-langkah untuk melakukan pemantauan dan contains measures to conduct monitoring and
evaluasi serta menindaklanjuti kejadian fraud. evaluation as well as follow-up on any fraud incidents.
Laporan fraud yang diterima Bank dalam 2 tahun terakhir Following are the fraud reports received by the Bank in
sebagai berikut: the past 2 years:
Jumlah Kasus yang Dilakukan oleh
Total Number of Cases Committed by
Uraian Karyawan Tidak Tetap
Pengurus Karyawan Tetap
Description
Management Permanent Employee Non-Permanent Employee
2025 2024 2025 2024 2025 2024
Total Fraud - - - - - -
Telah Diselesaikan
- - - - - -
Resolved
Dalam Proses Penyelesaian Internal Bank
Currently Being Resolved Internally by - - - - - -
the Bank
Belum Diupayakan Penyelesaian
- - - - - -
No Steps Taken Towards Resolution Yet
Telah Ditindaklanjuti Melalui Proses Hukum
- - - - - -
Followed Up Through Legal Process
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Kode Etik [POJK F.1] [G-07]
Code of Conduct
Kode Etik merupakan landasan penting yang menjadi The Code of Conduct is an important foundation
acuan bagi setiap insan Bank dalam melaksanakan tugas serving as a guideline for all personnel of the Bank
dan tanggung jawabnya. Melalui penerapan Kode Etik, in carrying out their duties and responsibilities.
Bank menetapkan standar perilaku yang menekankan Through implementation of Code of Conduct,
integritas, profesionalisme, dan kepatuhan pada prinsip the Bank establishes a behavior standard that
GCG. Dengan demikian, setiap pengambilan keputusan emphasizes on integrity, professionalism, and
dan aktivitas operasional dapat dijalankan secara selaras compliance with the GCG principles. Therefore, every
dengan visi, misi, serta nilai-nilai inti Bank, sekaligus decision-making and operational activity can be carried
membentuk budaya kerja yang etis, transparan, dan out in alignment with vision, mission, and core values
penuh tanggung jawab. of the Bank, while creating an ethical, transparent, and
responsible work culture.
Pokok–Pokok Kode Etik Key Points of the Code of Conduct
Kode Etik Bank mengatur hal-hal sebagai berikut: The Bank’s Code of Conduct regulates the following:
1. Kerahasiaan Perusahaan; 1. Company confidentiality;
2. Pencegahan benturan kepentingan; 2. Prevention of conflicts of interest;
3. Praktik sehat dalam hubungan dengan para nasabah; 3. sound practices in relationships with customers;
4. Insider trading; 4. Insider trading;
5. Praktik sehat dalam hubungan dengan para nasabah 5. Good practices in relationships with customers
dan/atau mitra usaha; and/or business partners;
6. Pencegahan penyalahgunaan informasi; 6. Prevention of information misuse;
7. Menjaga integritas; 7. Maintaining integrity;
8. Penerapan strategi anti fraud; dan 8. Implementation of anti-fraud strategies; and
9. Pengawasan dan sanksi. 9. Supervision and sanctions.
Pernyataan bahwa Kode Etik Perusahaan Statement that the Company’s Code of
Berlaku untuk Semua Jenjang Organisasi Conduct Applies to All Organizational
Levels
Penerapan Kode Etik mencakup seluruh lapisan The Code of Conduct applies to all layers of the Bank’s
organisasi Bank, mulai dari Dewan Komisaris, Direksi, organizations, from the Board of Commissioners,
hingga setiap karyawan, sehingga terwujud keselarasan the Board of Directors, to every employees, thus
dalam perilaku dan tanggung jawab di seluruh tingkat realizing harmonious behavior and responsibilities at all
organisasi. levels of the organization.
Bentuk Sosialisasi dan Upaya Penegakan Forms of Dissemination and Enforcement
Kode Etik Efforts of the Code of Conduct
Bank secara konsisten melakukan sosialisasi Kode The Bank consistently disseminates the Code of
Etik kepada seluruh karyawan melalui berbagai sarana Conduct to all employees through various internal
komunikasi internal, termasuk surat edaran, e-mail, communication channels, such as circular letters,
pertemuan rutin, pelatihan, serta kegiatan Bank lainnya. e-mails, regular meetings, trainings, and other Bank’s
Untuk menjamin kepatuhan, Bank juga menetapkan events. To ensure compliance, the Bank also applies
mekanisme penegakan yang tegas dengan pemberlakuan a strict enforcement mechanism, by imposing sanctions
sanksi atas setiap pelanggaran, sesuai dengan ketentuan for every violation, in accordance with the internal policy
internal maupun regulasi yang berlaku. and applicable regulations.
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Tata Kelola Perusahaan
Corporate Governance
Jumlah Pelanggaran Kode Etik Total Number of Code of Conduct
Violations
Pada tahun 2025, tidak terdapat pengaduan terkait In 2025, there was no complaint reported on any
pelanggaran yang dilakukan oleh insan Bank Capital. violation conducted by Bank Capital’s personnel.
Kebijakan Anti-Penyuapan dan Gratifikasi [POJK F.1] [G-07]
Anti-Bribery and Gratification Policy
Bank menegaskan komitmen untuk menciptakan The Bank is affirming its commitment to create
lingkungan kerja yang bersih, berintegritas, serta a clean work environment with integrity, free from
terbebas dari praktik penyuapan dengan menjunjung bribery practices by upholding the values of honesty
tinggi nilai kejujuran dan transparansi pada setiap and transparency in all of its operational activities, as
kegiatan operasional sebagaimana yang tertuang stated in Management Circular Letter Number 011 on
dalam Surat Edaran Manajemen Nomor 011 perihal Anti-Bribery Management System and Management
Sistem Manajemen Anti Penyuapan dan Surat Edaran Circular Letter Number 012 on Standard Operating
Manajemen Nomor 012 perihal Standar Prosedur Procedures for Gratification Control. As an actualization,
Operasi Pengendalian Gratifikasi. Sebagai wujud nyata, the Bank has obtained SNI ISO 37001:2016
Bank telah memperoleh sertifikasi SNI ISO 37001:2016 Anti-Bribery Management System and is implementing
Sistem Manajemen Anti Penyuapan dan menerapkan strict control on gratification practices in any form from
pengendalian ketat terhadap praktik gratifikasi dalam customers, business partners, vendors, and other third
bentuk apa pun dari nasabah, mitra usaha, vendor, parties, thereby ensuring all business relationships are
maupun pihak ketiga lainnya, sehingga seluruh hubungan conducted based on professionalism and compliance
kerja tetap berlandaskan profesionalisme dan kepatuhan with prevailing regulations.
terhadap ketentuan yang berlaku.
Sosialisasi Kebijakan Anti-Penyuapan Dissemination of Anti-Bribery and
dan Gratifikasi Gratification Policy
Bank secara konsisten melaksanakan sosialisasi terkait The Bank actively held dissemination related to
kebijakan anti penyuapan dan pengendalian gratifikasi anti-Bribery and gratification control policy to all
kepada seluruh karyawan melalui beragam program employees through various programs, as well as internal
serta media internal. Sepanjang tahun 2025, berbagai medias. Throughout 2025, various training and education
kegiatan pelatihan dan edukasi telah diselenggarakan activities have been held to enhance the employee
untuk meningkatkan pemahaman karyawan mengenai understanding on the anti-bribery gratification control
kebijakan anti penyuapan, tata kelola gratifikasi, serta policy, as well as implementation of anti-fraud strategy.
penerapan strategi anti fraud. Adapun pelaksanaan The implementation of these programs are outlined as
program tersebut diungkapkan sebagai berikut: follows:
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Materi Pelatihan Peserta Waktu Pelaksanaan
Training Topic Participant Period
Pelatihan Internal Calon pegawai Petugas Customer Service dan Petugas Teller dalam 24 Januari 2025
Strategi Anti-Fraud pelatihan Basic Operational Program (BOP) Angkatan 24
Internal Training on Customer Service and Teller Candidates in the Basic Operational 24 January 2025
Anti-Fraud Strategy Program (BOP) training Batch 24
Calon pegawai Petugas Customer Service dan Petugas Teller dalam 25 April 2025
pelatihan BOP Angkatan 25
Customer Service and Teller Candidates in the Basic Operational 25 April 2025
Program BOP training Batch 25
Calon Supervisor Operasional dalam pelatihan Supervisor Development 19 Juli 2025
Program (SDP)
Operational Supervisor Candidates in the Supervisor Development 19 July 2025
Program (SDP) training
Calon pegawai Petugas Customer Service dan Petugas Teller dalam 24 November 2025
pelatihan BOP Angkatan 27
Customer Service and Teller Candidates in the Basic Operational 24 November 2025
Program BOP training Batch 27
Pelatihan Internal Dewan Komisaris, Direksi, Komite, Kepala Area, Kepala Divisi, Pemimpin 10 Mei 2025
Pencucian Uang dan Cabang, dan Kepala Departemen
Anti Penyuapan
Board of Commissioners, Board of Directors, Committees, Area Heads, 10 May 2025
Internal Training on Division Heads, Branch Heads, and Department Heads
Money Laundering and
Anti-Bribery Pemimpin Kantor 23 Mei 2025 dan 13 Juni 2025
Office Heads 23 May 2025 and 13 June 2025
Marketing 24 Mei 2025 dan 14 Juni 2025
Pemasaran 24 May 2025 and 14 June 2025
Staf kantor pusat dan operasional domestik kantor luar kota 21 Juni 2025
Head office staffs and domestic operations of regional office 21 June 2025
Petugas Customer Service, Petugas Teller, dan Kepala Seksi 19 Juli 2025
Customer Service, Teller, and Section Heads 19 July 2025
Petugas Customer Service dan Petugas Teller 28 Juli 2025
Customer Service and Teller 28 July 2025
Supervisor Operasional 9 Agustus 2025
Operational Supervisor 9 August 2025
Sosialisasi Sistem Rekan/mitra bisnis melalui surat elektronik 17 Maret 2025 dan 21 Maret 2025
Manajemen Anti Business partners/associates via electronic mail 17 March 2025 and 21 March 2025
Penyuapan dan
Gratifikasi
Socialization of
the Anti-Bribery
and Gratification
Management System
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Tata Kelola Perusahaan
Corporate Governance
Kebijakan Pengungkapan Informasi
Information Disclosure Policy
Mengacu pada Peraturan Otoritas Jasa Keuangan With reference to the Financial Services Authority
Nomor 4 Tahun 2024 tentang Laporan Kepemilikan Regulation Number 4 of 2024 on the Report of
atau Setiap Perubahan Kepemilikan Saham Perusahaan Ownership or Any Change in Ownership of Public
Terbuka, setiap anggota Dewan Komisaris dan Direksi Company Shares, every member of the Board of
diwajibkan melaporkan kepemilikan maupun perubahan Commissioners and Board of Directors is required to
kepemilikan saham pada perusahaan terbuka, baik secara report any changes in the ownership of public company
langsung maupun tidak langsung. Laporan tersebut harus shares, both direct and indirect. This report must be
disampaikan kepada Otoritas Jasa Keuangan paling submitted to the Financial Services Authority no later
lambat 5 hari kalender setelah terjadinya transaksi. Selain than 5 calendar days from the occurrence of transaction.
itu, informasi serupa juga wajib disampaikan kepada In addition, similar information must be submitted to
perusahaan terbuka, dengan tenggat waktu maksimal the public company, with a maximum deadline of
3 hari kerja. 3 working days.
Di lingkungan Bank, kewajiban pelaporan kepemilikan Within the Bank, the obligation to report share ownership
saham oleh anggota Dewan Komisaris dan Direksi by members of the Board of Commissioners and Board
dilaksanakan melalui Sekretaris Perusahaan sesuai of Directors is carried out through Corporate Secretary
dengan batas waktu yang telah ditentukan. Kebijakan ini in line with the set deadline. This policy is regulated in
diatur dalam pedoman internal Bank untuk memastikan the Bank’s internal guidelines to ensure compliance with
kepatuhan terhadap regulasi yang berlaku. applicable regulation.
Sepanjang tahun 2025, Sekretaris Perusahaan secara In 2025, Corporate Secretary consistently submitted
konsisten menyampaikan laporan bulanan mengenai monthly reports of share ownership of members of
kepemilikan saham anggota Dewan Komisaris dan the Board of Commissioners and Board of Directors to
Direksi kepada Otoritas Jasa Keuangan dan Bursa Efek the Financial Services Authority and Indonesia Stock
Indonesia melalui sistem e-reporting. Exchange, via e-reporting.
Pengungkapan Kepemilikan Saham Disclosure of Share Ownership
Informasi mengenai kepemilikan saham oleh anggota The disclosure of share ownership by members of
Dewan Komisaris dan Direksi Bank telah diungkapkan the Board of Commissioners and Board of Directors of
pada Bab Profil Perusahaan. the Bank has been presented in the Company Profile
chapter.
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Transparansi Kondisi Keuangan dan Non-Keuangan Transparency of Financial and Non-Financial Conditions Bank berkomitmen untuk menjaga keterbukaan The Bank is committed to maintain information informasi dengan menyampaikan Laporan Tahunan, yang disclosure through submission of Annual Report, that mencakup laporan keuangan dan non-keuangan, serta includes financial and non-financial reports, as well as Laporan Keuangan Publikasi Triwulanan dan Bulanan Quarterly and Monthly Published Financial Statements in secara tepat waktu. Seluruh laporan tersebut disediakan timely manner. All of these reports are provided through melalui situs web resmi Bank sehingga dapat diakses the Bank’s official website to be accessed transparently, secara transparan, sebagai wujud tanggung jawab dan as a form of responsibility and accountability for all akuntabilitas kepada seluruh pemangku kepentingan. stakeholders. Kebijakan Pengadaan Barang dan Jasa Procurement of Goods and Services Policy Sebagai bagian dari penerapan prinsip GCG, Bank telah As a part of the implementation of GCG principles, menetapkan kebijakan pengadaan barang dan jasa the Bank has established the procurement of goods and berdasarkan Surat Edaran General Affair Nomor 001 services policy based on the General Affairs Circular Revisi 4 tanggal 27 Maret 2024 tentang Pengadaan Letter Number 001 revision 4 dated 27 March 2024 Suplier Penyedia Barang dan Jasa. Kebijakan tersebut regarding the Procurement of Goods and Services menjadi pedoman resmi dalam pelaksanaan pengadaan, from Suppliers. This policy serves as a clear guidelines yang mencakup mekanisme pemilihan mitra usaha, in the implementation of procurement, that includes pengaturan tata cara pengadaan, hingga prosedur the selection of business partners, procurement pembayaran. Dengan adanya ketentuan ini, Bank procedures, and payment procedures. With these memastikan seluruh proses pengadaan dilaksanakan provisions, the Bank ensures that all of its procurement secara transparan, akuntabel, serta sejalan dengan process are held transparently, accountably, and align kebutuhan operasional dan kepatuhan terhadap with the operational needs and comply to the applicable peraturan yang berlaku. regulations. Pembelian Kembali Saham dan/atau Obligasi Share and/or Bond Buyback Sepanjang tahun 2025, Bank tidak melaksanakan aksi Throughout 2025, the Bank did not carry out any share korporasi berupa pembelian kembali saham maupun or bond buyback. obligasi. 292 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Pemberian Dana Kegiatan Politik dan Sosial
Funds Provided for Political and Social Activities
Bank menegakkan prinsip independensi dengan tidak The Bank upholds the independence principle by
terlibat dalam kegiatan politik maupun memberikan refraining from any involvement in political activities
dukungan pendanaan kepada pihak atau aktivitas politik or supporting any funding to any political party or
dalam bentuk apa pun. Sebagai wujud komitmen terhadap activity in any form. As a realization of its commitment
pembangunan berkelanjutan, Bank mengarahkan peran to sustainable development, the Bank directs its role to
pada kegiatan yang memberikan manfaat nyata bagi activities that provide real benefits for the community.
masyarakat. Fokus tersebut tercermin melalui berbagai This focus is shown in various social programs carried
program tanggung jawab sosial yang dilaksanakan out as planned and continuously, as further disclosed in
secara terencana dan berkesinambungan, sebagaimana the Social and Environmental Responsibility chapter in
diuraikan lebih lanjut dalam Bab Tanggung Jawab Sosial this Annual Report.
dan Lingkungan Hidup pada Laporan Tahunan ini.
Kebijakan Transaksi dengan Pihak yang Memiliki
Hubungan Istimewa
Policy on Transactions with Related Parties
Bank memiliki dan menerapkan kebijakan serta prosedur The Bank has established and implemented policy
transaksi dengan pihak yang memiliki hubungan and procedure on transactions with related parties
istimewa sebagai bagian dari penerapan GCG dan upaya as part of the implementation of GCG and efforts to
pencegahan serta penanganan benturan kepentingan. prevent and manage conflicts of interest. This policy
Kebijakan tersebut bertujuan untuk memastikan bahwa is intended to ensure that all transactions with related
setiap transaksi dengan pihak yang memiliki hubungan parties are carried out fairly, in accordance with
istimewa dilaksanakan secara wajar (arm’s length the arm’s length principle, and with terms that are not more
principle) dan tidak lebih menguntungkan dibandingkan favorable compared to transactions with other parties
dengan transaksi dengan pihak lain dalam kondisi yang under similar conditions, while consistently prioritizing
serupa, serta senantiasa mengutamakan kepentingan the best interests of the Bank.
terbaik Bank.
Pihak yang memiliki hubungan istimewa dengan Bank Related parties of the Bank include, among others,
mencakup antara lain pihak yang mengendalikan atau parties that are controlling or are controlled by the Bank,
dikendalikan oleh Bank, Pemegang Saham Pengendali the Controlling Shareholder and Majority Shareholders,
dan Pemegang Saham Mayoritas, perusahaan terafiliasi, affiliated companies, members of the Board of Directors,
anggota Direksi, Dewan Komisaris, Pejabat Eksekutif, Board of Commissioners, Executive Officers, as well as
serta pihak lain yang memiliki hubungan pengaruh atau any other parties having influence relationships or family
hubungan keluarga sesuai dengan ketentuan peraturan relationships in accordance with the applicable laws and
perundang-undangan yang berlaku. Bank melakukan regulations. The Bank is carrying out periodic reviews
pengkajian dan pemutakhiran daftar pihak yang memiliki and updates of the list of related parties.
hubungan istimewa secara berkala.
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Kebijakan dan prosedur tersebut mengatur cakupan The policy and procedure comprehensively regulating transaksi dengan pihak yang memiliki hubungan istimewa scope of transactions with related parties, not only secara luas, tidak terbatas pada transaksi kredit atau limited to credit or financing transactions, but also pembiayaan, namun juga mencakup berbagai bentuk cover various forms of exposure and other transactions, eksposur dan transaksi lainnya, termasuk jasa, pembelian including services, purchase and sales of assets, leases, dan penjualan aset, sewa, perdagangan, pembentukan trading, establishment of joint ventures, as well as usaha patungan, serta transaksi keuangan lainnya. Setiap other financial transactions. Every transaction is carried transaksi dilakukan melalui proses identifikasi, penilaian out through an adequate process of identification, kewajaran, dan pengendalian risiko yang memadai. assessment of fairness, and risk control. Dalam rangka menjaga independensi dan objektivitas, To maintain the independence and objectivity, members anggota Direksi dan Dewan Komisaris yang memiliki of the Board of Directors and Board of Commissioners kepentingan wajib mengungkapkan benturan having any interest are required to disclose such kepentingan dan dikecualikan dari proses persetujuan conflicts of interest and are excluded from the approval maupun pengelolaan transaksi terkait. Transaksi or management process of the related transactions. dengan pihak yang memiliki hubungan istimewa serta Transactions with related parties and the write-off of penghapusan eksposur terkait dilaksanakan sesuai related exposures, are conducted in accordance with dengan kewenangan dan memperoleh persetujuan organ the authority and obtain approval from the authorized Bank yang berwenang. Direksi dan Dewan Komisaris organs of the Bank. Both the Board of Directors and melakukan pemantauan secara berkala atas transaksi Board of Commissioners are conducting periodic dan eksposur kepada pihak yang memiliki hubungan monitoring of any transactions and exposures to related istimewa, termasuk melalui mekanisme pelaporan dan parties, including through reporting mechanisms and penelaahan independen. independent reviews. Bank juga menetapkan batasan eksposur terhadap The Bank also establishes exposure limits for related pihak yang memiliki hubungan istimewa sesuai parties in accordance with the Bank’s complexity dengan kompleksitas dan profil risiko Bank, serta and risk profile, as well as implementing reporting menerapkan mekanisme pelaporan atas setiap mechanism for any exception to the established policy pengecualian kebijakan atau batasan yang ditetapkan, or limit, to ensure that risk management and prevention guna memastikan pengelolaan risiko dan pencegahan of conflicts of interest are conducted effectively and benturan kepentingan dilakukan secara efektif dan continuously. berkesinambungan. Penyediaan Dana kepada Pihak Terkait dan Penyediaan Dana Besar Funds Provided to Related Parties and Large Exposures Sepanjang tahun 2025, Bank senantiasa mengedepankan Throughout 2025, the Bank constantly prioritizes kepatuhan terhadap regulasi dan penerapan prinsip compliance with regulations and implementation kehati-hatian dalam aktivitas penyediaan dana. of prudential principles in the provision of funds. Penyaluran dana, baik kepada pihak yang memiliki The disbursement of funds, both to the related parties keterkaitan dengan Bank maupun kepada debitur utama of the Bank, as well as the principal debtors or certain dan kelompok usaha tertentu, dilaksanakan melalui business groups, were done through a strict, objective, proses evaluasi yang ketat, objektif, dan independen. and independent evaluation processes. This approach is Pendekatan ini dirancang untuk menjamin keterbukaan, designed to ensure transparency, minimize risks, as well 294 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
meminimalkan risiko, serta menghindari potensi konflik as to avoid potential conflicts of interest. Information on
kepentingan. Informasi mengenai penyediaan dana provision of funds to related parties and disbursement
kepada pihak terkait serta penyaluran dana besar hingga of large exposures as of 31 December 2025 is presented
31 Desember 2025 sebagai berikut: as follows:
Jumlah
Total
Penyediaan Dana
Provision of Funds Nominal
Debitur (jutaan Rupiah)
Debtors Amount
(millions of Rupiah)
Kepada Pihak Terkait
- -
To Related Parties
Kepada Debitur Inti
To Core Debtors
a. Individu
17 5.433.206
a. Individual
b. Grup
9 1.239.655
b. Group
Total 26 6.672.861
Kebijakan Insider Trading [POJK F.1] [G-08]
Insider Trading Policy
Bank mencegah praktik insider trading melalui penerapan The Bank is preventing the insider trading policy through
kebijakan yang diatur secara jelas dalam Kode Etik. the implementation of policy, clearly regulated in Code
Untuk memastikan kepatuhan, seluruh karyawan dibekali of Conduct. To ensure compliance, all employees
pemahaman yang memadai melalui sosialisasi dan are provided with adequate understanding with
edukasi berkelanjutan terkait ketentuan yang berlaku. continuous dissemination and education related to
Pemanfaatan informasi internal untuk keuntungan the applicable regulations. The use of internal
pribadi maupun pihak lain dalam transaksi pasar modal information for personal interest or any other party in
dipandang sebagai pelanggaran serius terhadap the capital market transaction is considered as serious
integritas dan kerahasiaan Bank. Setiap pelanggaran violation to the Bank’s integrity and confidentiality. Any
akan dikenakan sanksi tegas sesuai kebijakan internal violation will receive firm action according to the internal
serta peraturan perundang-undangan yang berlaku. policy, as well as the applicable laws and regulations.
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Program Kepemilikan Saham oleh Manajemen
dan/atau Karyawan
Share Ownership Program for Management and/or Employees
Bank tidak memiliki program remunerasi berupa The Bank has no remuneration program in the form of
kepemilikan saham oleh/untuk karyawan share ownership by/for employee and/or management
dan/atau manajemen berupa program Employee Stock in the form of Employee Stock Ownership Plan (ESOP)
Ownership Plan (ESOP) maupun Management Stock or Management Stock Option Program (MSOP).
Option Program (MSOP).
Akses Informasi dan Data Bank
Access to Information and Bank Data
Sebagai wujud keterbukaan informasi, Bank As a form of transparency, the Bank has an official
mengoperasikan situs web resmi di alamat website at www.bankcapital.co.id which can be easily
www.bankcapital.co.id yang dapat diakses dengan accessed by all stakeholders. This website serves as
mudah oleh seluruh pemangku kepentingan. Situs the primary media to disclose the recent information
web ini berfungsi sebagai media utama penyampaian about the Bank, as well as to facilitate transparency in
informasi terkini mengenai Bank, sekaligus sebagai accordance with the provisions of the Financial Services
sarana transparansi sesuai dengan ketentuan Peraturan Authority Regulation Number 8/POJK.04/2015 on
Otoritas Jasa Keuangan Nomor 8/POJK.04/2015 the Website of Issuers or Public Companies. To
tentang Situs Web Emiten atau Perusahaan Publik. Untuk improve accessibility, the information is presented in
meningkatkan aksesibilitas, informasi disajikan dalam two languages, Indonesian and English, to reach
2 bahasa, yaitu Bahasa Indonesia dan Bahasa Inggris, both local and international stakeholders. The type
sehingga dapat menjangkau pemangku kepentingan of information provided in the Bank’s website are as
baik dari dalam negeri maupun luar negeri. Adapun follows:
jenis informasi yang tersedia melalui situs web Bank
sebagai berikut:
Uraian Ketersediaan
Description Availability
Informasi Pemegang Saham.
Shareholder Information.
Isi Kode Etik.
Content of the Code of Ethics.
RUPS paling kurang meliputi bahan mata acara yang dibahas dalam RUPS, ringkasan risalah RUPS, dan
informasi tanggal penting RUPS.
Information on General Meeting of Shareholders (GMS) to include at least agenda to be discussed at
the GMS,summary of minutes of the GMS, and information on important GMS dates.
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Corporate Governance
Uraian Ketersediaan
Description Availability
Laporan Keuangan Tahunan terpisah (5 tahun terakhir).
Individual Annual Financial Statements (of the past 5 years).
Piagam/Charter Dewan Komisaris, Direksi, dan Komite-Komite.
Charter of the Board of Commissioners, Board of Directors, and Committees.
Rencana Strategis Bank
Bank’s Strategic Plan
Bank menyusun rencana strategis yang berfokus pada The Bank prepares a strategic plan that focus to
penguatan kinerja dan kesiapan menghadapi dinamika strengthen the performance and readiness to face
perubahan lingkungan usaha maupun ketentuan regulasi. the dynamics changes in the business environment
Dalam rangka memastikan relevansi dan keberlanjutan, or regulatory requirements. To ensure its relevance
strategi bisnis senantiasa ditinjau secara berkala dengan and sustainability, the business strategy is regularly
mempertimbangkan sasaran jangka pendek, menengah, reviewed, by taking into account the short-term,
dan panjang. Seluruh arah kebijakan tersebut dituangkan medium-term, or long-term objectives. The direction
secara komprehensif dalam dokumen rencana korporasi of all of these policies are comprehensively outlined in
dan RBB. the corporate plans and RBB documents.
Rencana Korporasi Corporate Plans
Rencana korporasi merupakan bagian integral dari Corporate Plans are integral part of the Bank’s strategic
rencana strategis Bank yang disusun sebagai pedoman plan, prepared to guide the direction of business
arah pengembangan usaha dan kebijakan strategis Bank development and the Bank’s strategic policies in
dalam jangka menengah dan panjang. Rencana korporasi the medium-term and long term. Corporate plans
mencerminkan visi, misi, dan sasaran strategis Bank, reflects the Bank’s vision, mission, and strategic
serta menjadi landasan dalam pengambilan keputusan objectives, and the basis of corporate decision-making
korporasi yang berdampak signifikan terhadap that significantly impacting the sustainability of
keberlanjutan usaha Bank. the Bank’s business.
Penyusunan rencana korporasi dilakukan secara The preparation of Corporate Plans is conducted in
terstruktur dan selaras dengan prinsip kehati-hatian, a structured manner, aligned with the prudential principle,
penerapan GCG, serta ketentuan peraturan perundang- implementation of GCG, as well as the applicable laws
undangan yang berlaku. Rencana korporasi mencakup and regulations. Corporate Plans covers the direction of
arah pengembangan bisnis, strategi penguatan business development, capital strengthening strategies,
permodalan, pengelolaan risiko utama, serta kebijakan management of key risks, and other strategic policies
strategis lainnya yang relevan dengan dinamika relevant to the dynamics of the business environment
lingkungan usaha dan industri perbankan. and banking industry.
Rencana Korporasi ditetapkan oleh Direksi dan diawasi Corporate Plans are established by the Board of
oleh Dewan Komisaris, serta diselaraskan dengan Directors and supervised by Board of Commissioners,
keputusan RUPS dalam hal terkait aksi korporasi and aligned with GMS resolutions in matters related
strategis. Rencana Korporasi selanjutnya dijabarkan to strategic corporate actions. Corporate Plans are
secara operasional dalam RBB, sehingga memastikan subsequently elaborated operationally in the RBB,
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konsistensi antara arah strategis jangka panjang dan ensuring consistency between long-term strategic
rencana usaha jangka pendek hingga menengah. direction and short-term to medium-term business
plans.
Pelaksanaan dan pencapaian rencana korporasi dievaluasi The implementation and achievement of Corporate
secara berkala dengan memperhatikan perkembangan Plans are periodically evaluated by looking into
kondisi internal dan eksternal Bank, serta menjadi the developments in the Bank’s internal and external
dasar dalam penyesuaian strategi bisnis dan kebijakan conditions, and used as the basis to adjust the business
manajemen risiko guna menjaga kesinambungan dan strategies and risk management policies to maintain
pertumbuhan usaha Bank secara berkelanjutan. the sustainability and growth of the Bank’s business in
a sustainable manner.
Arah Kebijakan Bank dalam Rangka Perwujudan Policy Direction of the Bank in Realizing
Rencana Strategis its Strategic Plan
Dalam rangka mencapai tujuan sesuai visi dan misi Bank, In achieving its objectives in line with the Bank’s vision
maka arah kebijakan Bank dalam jangka menengah- and mission, one of the Bank’s medium to long-term
panjang salah satunya adalah dengan mengembangkan/ policy directions is developing and enhancing the of
meningkatkan penghimpunan dana pihak ketiga yang third-party fundraising, with a focus on the growth of
fokus pada pertumbuhan dana murah dalam bentuk low-cost funds in the form of Current Account Saving
Current Account Saving Account (CASA) dengan Account (CASA), while maintaining control of Cost of
pengendalian Cost of Fund (COF) dan penyebaran Funds (COF) and expanding the customer base.
jumlah nasabah.
Bank tetap akan fokus pada perkembangan teknologi The Bank will remain focus on the development of digital
digital yang saat ini sangat berkembang di mana technology, which is rapidly evolving and influencing
perkembangan ini akan berpengaruh pada perilaku customer transaction behavior and will be driving
nasabah dalam bertransaksi dan tentunya akan the e-commerce growth, thus required the banking
mendorong pertumbuhan e-commerce, sehingga industry to adapt to these digital transaction trends.
mengharuskan perbankan mengikuti tren transaksi
digital tersebut.
Sedangkan arah kebijakan Bank dalam rangka menjaga Meanwhile, the Bank’s policy direction in maintaining
likuiditas, permodalan, dan penyaluran dana sebagai liquidity, capital, and fund disbursement is as follows:
berikut:
1. Fokus pada menjaga likuiditas dan Posisi Devisa Neto 1. Focus on maintaining liquidity and Net Open
(PDN) agar berada pada level yang aman dan dapat Position (NOP) at a sound level and able to meet its
memenuhi kewajiban-kewajiban setiap saat dengan obligations at all times, while considering prevailing
tetap memperhatikan ketentuan yang berlaku terkait regulations on liquidity and NOP ratios;
rasio likuiditas dan rasio PDN;
2. Pengelolaan portofolio surat berharga yang dilakukan 2. Manage the securities portfolio selectively to
secara selektif untuk mendukung dan menjaga hasil support and maintain optimal returns; and
yang optimal; dan
3. Meningkatkan rentabilitas Bank melalui ekspansi 3. Enhance the Bank’s profitability through loans
pemberian kredit yang fokus pada kredit ritel dan expansion focusing on retail loans and productive
sektor produktif untuk meningkatkan Net Interest sectors to increase the Net Interest Margin (NIM).
Margin (NIM).
Selanjutnya, arah kebijakan Bank dalam pengembangan Further, the Bank’s policy direction in organizational
organisasi, sumber daya manusia, dan manajemen risiko development, human resources, and risk management
sebagai berikut: is as follows:
1. Penyempurnaan internal organisasi sesuai 1. Refinement of organization internal in line with
pengembangan bisnis Bank dengan memperhatikan the Bank’s business development, by considering
kualitas, kuantitas, serta pengembangan sumber the quality, quantity, and optimal development of
daya manusia yang optimal; human resources;
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Tata Kelola Perusahaan
Corporate Governance
2. Membangun performance management system 2. Develop a performance management system as tool
sebagai tools dalam pengukuran kinerja karyawan for measuring employee performance in alignment
agar sesuai dengan strategi bisnis Bank; dan with the Bank’s business strategy; and
3. Mengembangkan succesion planning/perencanaan 3. Develop succession planning/career planning aimed
karier yang bertujuan membangun jenjang karier, to establish career path, talent development, and
kaderisasi, dan menjaga karyawan potensial (HIPO). retaining high-potential employees (HIPO).
Rencana Bisnis Bank Bank Business Plan
Dalam rangka menjaga kesinambungan arah bisnis yang In maintaining the continuity of business direction in line
sejalan dengan visi dan misi, Dewan Komisaris bersama with the vision and mission, the Board of Commissioners
Direksi secara konsisten melakukan komunikasi intensif and Board of Directors consistently conduct intensive
untuk menyelaraskan pandangan terhadap RBB. Untuk communication to align their perspectives on
periode RBB 2026–2028, Bank menetapkan tema the RBB. For the 2026–2028 RBB, the Bank has set
“Menjadi Bank Retail yang Sehat dan Terpercaya dengan out the theme “Becoming a Healthy and Trusted Retail
Tumbuh secara Stabil, Inklusif, dan Berkelanjutan” yang Bank with Stable, Inclusive and Sustainable Growth”
menjadi landasan utama dalam arah pengembangan as the main foundation for the direction of business
bisnis, dengan rincian sebagai berikut: development, with details as follows:
Rencana Jangka Pendek dan Menengah Short-Term and Medium-Term Plan
Dalam rangka pencapaian sasaran jangka pendek dan In achieving its short-term and medium-term objectives,
menengah, Bank telah merumuskan sejumlah strategi the Bank has formulated some focused and measurable
yang terarah dan terukur. Strategi tersebut disusun strategies. These strategies are prepared to support
untuk mendukung keberlanjutan pertumbuhan kinerja the sustainability of performance growth and
sekaligus memperkuat daya saing Bank di tengah strengthening the Bank’s competitiveness amidst
dinamika industri keuangan. Adapun strategi yang the financial industry dynamics. The strategies
ditetapkan sebagai berikut: established are as follows:
1. Melakukan pengembangan produk dan/atau layanan 1. Developing products and/or services in accordance
sesuai kebutuhan masyarakat; with market needs;
2. Melakukan pengembangan jaringan kantor; 2. Expanding the network of offices;
3. Melakukan pengembangan organisasi sesuai dengan 3. Developing the organization in line with the Bank’s
rencana bisnis Bank dengan memperhatikan kualitas, business plan, by considering the quality, quantity,
kuantitas, serta pengembangan sumber daya and development of human resources oriented
manusia yang berorientasi dengan peningkatan toward enhancing service quality, compliance, and
pelayanan, kepatuhan, dan customer engagement; customer engagement;
4. Meningkatkan kompetensi dan produktivitas sumber 4. Enhancing competence and productivity of excellent
daya manusia yang unggul; human resources;
5. Penyelenggaraan Asset and Liability Management 5. Organizing effective Asset and Liability Management
(ALM) yang efektif berkenaan dengan strategi (ALM) related to funding and lending strategies,
pendanaan dan penyaluran dana, antara lain including credit portfolio reprofiling, improvement
reprofiling portofolio kredit, perbaikan komposisi of fund composition, management of securities
dana, pengelolaan portofolio surat berharga, portfolios, liquidity and foreign exchange position,
likuiditas dan posisi devisa, serta penetapan tingkat as well as the determination of optimal interest rate
suku bunga yang optimal; levels;
6. Melakukan pengelolaan portofolio surat berharga 6. Managing the securities portfolio effectively and
secara efektif dan selektif untuk mendukung dan selectively to support and maintain optimal returns;
menjaga hasil yang optimal; dan and
7. Menjaga modal Bank di atas ketentuan dalam rangka 7. Maintaining the Bank’s capital above the regulatory
mendukung pertumbuhan bisnis dan melindungi requirements to support business growth and
Bank dari risiko stratejik. safeguard the Bank against strategic risks.
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Rencana Penanganan Permasalahan Keuangan dan/atau Penguatan Modal Bank Plan for the Handling of Financial Issues and/or Bank Capital Strengthening Dalam rangka menerapkan prinsip kehati-hatian dan In implementing prudential principle and maintaining menjaga kesinambungan usaha, Bank secara preventif business continuity, as preventive measure, the Bank menyusun rencana penanganan permasalahan keuangan has prepared a plan for handling financial issue in dalam bentuk rencana aksi pemulihan (recovery plan), the form of a recovery plan, although the Bank is in meskipun Bank berada dalam kondisi keuangan yang a normal financial condition instead of under special normal dan tidak berada dalam status pengawasan supervisory status. The recovery plan is prepared as khusus. Rencana tersebut disiapkan sebagai langkah an anticipatory measure to ensure that the Bank is antisipatif untuk memastikan kesiapan Bank dalam ready to face any potential pressures that may affect its menghadapi potensi tekanan yang dapat memengaruhi financial stability. stabilitas keuangan. Rencana aksi pemulihan disusun secara terintegrasi The recovery plan is prepared in an integrated manner dengan proses Internal Capital Adequacy Assessment with the Internal Capital Adequacy Assessment Process Process (ICAAP) dan RBB, dengan mempertimbangkan (ICAAP) and RBB, by considering the risk profile, profil risiko, kecukupan permodalan, serta kondisi capital adequacy, and liquidity conditions of the Bank. likuiditas Bank. Melalui keterkaitan tersebut, Bank With this integration, the Bank ensures that its capital memastikan bahwa strategi penguatan permodalan dan strengthening strategy and planned recovery measures langkah pemulihan yang direncanakan selaras dengan are aligned with the direction of business development arah pengembangan usaha dan kapasitas permodalan and the Bank’s capital capacity. Bank. Rencana aksi pemulihan telah memperoleh persetujuan The recovery plan has been approved by Shareholders Pemegang Saham melalui RUPS dan disampaikan kepada through the GMS and has submitted to the Financial Otoritas Jasa Keuangan sesuai dengan ketentuan Services Authority in accordance with the prevailing peraturan perundang-undangan mengenai penetapan laws and regulations on the determination of supervision status pengawasan dan penanganan permasalahan status and handling of issues in commercial banks. bank umum. Implementasi serta evaluasi atas rencana The implementation and evaluation of the plan are tersebut dilakukan secara berkala oleh Direksi dan periodically conducted by the Board of Directors and diawasi oleh Dewan Komisaris guna memastikan supervised by Board of Commissioners to ensure its efektivitasnya sebagai instrumen pencegahan dan effectiveness as a preventive instrument and the Bank’s kesiapan Bank dalam menjaga ketahanan permodalan readiness in maintaining capital and liquidity resilience, dan likuiditas, serta pemenuhan ketentuan kehati-hatian and as compliance with the applicable prudential yang berlaku. requirements. 300 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Sistem Pelaporan Pelanggaran [POJK F.1]
Whistleblowing System
Bank telah mengembangkan sistem pelaporan The Banks has developed a whistleblowing system
pelanggaran (whistleblowing system/WBS) sebagai (WBS) as a facility to accept and follow up report of
sarana untuk menampung dan menindaklanjuti laporan alleged violation or fraudulent act, either conducted
atas dugaan pelanggaran maupun tindakan fraud, baik by employee or external party. The WBS becomes an
yang dilakukan oleh karyawan maupun pihak eksternal. important instrument in strengthening the internal
WBS ini menjadi instrumen penting dalam memperkuat control, promoting a culture of compliance, as well as
pengendalian internal, mendorong budaya kepatuhan, supporting the implementation of anti-fraud strategy in
serta mendukung implementasi strategi anti fraud a sustainable manner.
secara berkesinambungan.
Kebijakan dan mekanisme penanganan pengaduan Whistleblowing policy and complaint handling
(whistleblowing) tertuang dalam Surat Edaran mechanism are stated in the Management Circular Letter
Manajemen Nomor 009 perihal Standar Prosedur Number 009 on Standard Operating Procedures for
Operasi Strategi Anti-Fraud. Kebijakan tersebut disusun Anti-Fraud Strategy. This policy is prepared separately
terpisah dari mekanisme pengaduan nasabah dan from the customer complaint policy and provide a clear
memberikan panduan yang jelas mengenai prosedur guidance on the reporting procedure, complaint handling
pelaporan, tata cara penanganan pengaduan, serta procedure, and protection for the whistleblower.
pelindungan bagi pelapor.
Mekanisme Penyampaian Laporan Pelanggaran
Mechanism for Submitting Violation Reports
WBS yang diterapkan Bank terbuka bagi pelapor dari internal maupun eksternal. Agar dapat diproses secara
optimal, setiap laporan yang diterima harus dilengkapi dengan data dan informasi pendukung yang memadai.
Untuk memberikan kemudahan bagi para pelapor, Bank menyediakan beberapa kanal khusus yang dapat
digunakan dalam penyampaian pengaduan, yaitu melalui:
The WBS implemented by the Bank is accessible for internal or external parties. To ensure optimum processing,
every report submitted must be accompanied by adequate data and supporting information. To facilitate
the whistleblower in submitting the report, the Bank is providing several dedicated channels as listed below:
Surat dalam amplop tertutup yang ditujukan kepada Departemen Anti-Fraud pada alamat
1 kantor pusat Bank;
A confidential in a sealed envelope addressed to the Anti-Fraud Department at the Bank’s
head office address;
Surat elektronik (e-mail) resmi dengan alamat surat elektronik (e-mail) antifraud@bankcapital.co.id
2 atau alamat surat elektronik (e-mail) Tim Anti-Fraud yang terdaftar di Bank; dan
Official email address at: antifraud@bankcapital.co.id or email address of the Anti-Fraud Team
as listed at the Bank; and
Saluran telepon seluler dan WhatsApp ke nomor 0812 1312 3535.
3
Mobile phone line and WhatsApp to 0812 1312 3535.
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Pelindungan bagi Pelapor Protection for Whistleblowers Dalam penerapan WBS, Bank menjunjung tinggi prinsip In implementing the WBS, the Bank is upholding pelindungan terhadap pelapor maupun saksi yang the principle of protection to the whistleblowers terlibat dalam proses investigasi dan penegakan hukum. and witnesses involved in the investigation or law Kerahasiaan identitas pelapor dijamin sepenuhnya enforcement processes. The confidentiality of dan hanya dapat diungkap apabila diwajibkan dalam whistleblower’s identity is fully guaranteed and can proses hukum sesuai peraturan perundang-undangan. only be revealed if required for the legal process in line Kebijakan ini dirancang untuk menciptakan rasa aman with the laws and regulations. This policy is prepared to bagi seluruh pelapor, baik dari internal maupun eksternal provide a sense of security to the whistleblower, either Bank. Khusus bagi pelapor eksternal, pelindungan coming from the Bank’s internal or external. Specific diberikan dengan berpedoman pada Undang-Undang for external whistleblower, protection is provided by Nomor 31 Tahun 2014 tentang Perlindungan Saksi referring to Law Number 31 of 2014 on Protection of dan Korban, sehingga hak-hak hukum pelapor tetap Witnesses and Victims, ensuring that the whistleblower’s terlindungi secara menyeluruh. legal rights remain fully protected. Pihak Pengelola dan Proses Penanganan Complaint Management and Pengaduan Handling Process Pengelolaan laporan yang disampaikan melalui WBS The management of report submitted through WBS berada di bawah tanggung jawab Departemen is handled by the Anti-Fraud Department, established Anti-Fraud yang ditetapkan oleh Bank untuk menangani by the Bank to handle anti-fraud issue. The Anti-Fraud isu anti-fraud. Departemen Anti-Fraud menjalankan Department is carrying out its function independently, fungsi secara independen, melaporkan langsung kepada reporting directly to President Director, while maintaining Direktur Utama, serta menjaga koordinasi dengan coordination with the Board of Commissioners to ensure Dewan Komisaris guna memastikan efektivitas the effectiveness of supervision. pengawasan. Setiap laporan yang masuk melalui WBS akan melalui Every report coming into WBS will undergo an initial proses penelaahan awal untuk memastikan kebenaran review process to ensure its validity and relevance of dan relevansi informasi. Apabila laporan tersebut information. If the report meet the validity criteria and memenuhi kriteria validitas dan mengandung indikasi contained indication of violation, it will be followed-up pelanggaran, maka akan dilanjutkan pada tahap with in-depth investigation by the authorized team. investigasi mendalam oleh tim yang berwenang. Hasil The investigation results will be used as the basis in investigasi menjadi dasar dalam pemberian sanksi atau providing sanction or disciplinary action in line with tindakan disiplin sesuai dengan kebijakan internal serta the internal policies and provisions of applicable laws. ketentuan hukum yang berlaku. Apabila temuan tersebut mengandung unsur tindak If the finding constitutes a criminal act, the Bank will pidana, Bank akan menyerahkannya kepada aparat hand it over to the law enforcement authority for penegak hukum untuk diproses lebih lanjut. Selain itu, further process. In addition, the Anti-Fraud Department Departemen Anti-Fraud juga berperan dalam memantau is also involved in monitoring the follow-up actions, tindak lanjut hingga penyelesaian kasus dapat dipastikan until the resolution of every case is ensured to be done berjalan sesuai prosedur, sehingga mencerminkan in accordance with the procedure, thus reflecting komitmen Bank dalam menjaga integritas dan penerapan the Bank’s commitment in maintaining the integrity and tata kelola perusahaan. implementation of GCG. Laporan dan Tindak Lanjut Pengaduan Reports and Follow-Up of Violation Pelanggaran 2025 Complaint in 2025 Pada tahun 2025, tidak ada laporan yang diterima Bank In 2025, the Bank received no report through the WBS. melalui WBS. 302 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tata Kelola Perusahaan
Corporate Governance
Transparansi Kondisi Keuangan dan
Non-Keuangan Bank yang Belum Diungkap
dalam Laporan Lain
Transparency of the Bank’s Financial and Non-Financial Conditions Not Yet
Disclosed in Other Reports
Bank memiliki kebijakan serta prosedur yang dirancang The Bank has policies and procedures designed to
untuk memastikan keterbukaan informasi, baik terkait ensure information disclosure, related to either financial
kondisi keuangan maupun non-keuangan. Kebijakan ini or non-financial conditions. These policies are prepared
disusun dengan mengacu pada ketentuan berikut: by referring to the following provisions:
1. Peraturan Otoritas Jasa Keuangan Nomor 18 Tahun 1. Financial Services Authority Regulation
2025 tentang Transparansi dan Publikasi Laporan Number 18 of 2025 on Transparency and Publication
Bank; of Bank Reports;
2. Peraturan Otoritas Jasa Keuangan 2. Financial Services Authority Regulation
Nomor 29/POJK.04/2016 tentang Laporan Tahunan Number 29/POJK.04/2016 on Annual Reports of
Emiten atau Perusahaan Publik; Issuers or Public Companies;
3. Peraturan Otoritas Jasa Keuangan 3. Financial Services Authority Regulation
Nomor 14/POJK.04/2022 tentang Penyampaian Number 14/POJK.04/2022 on Submission of
Laporan Keuangan Berkala Emiten atau Perusahaan Periodic Financial Statements of Issuers or Public
Publik; Companies;
4. Surat Edaran Otoritas Jasa Keuangan 4. Financial Services Authority Circular Letter
Nomor 16/SEOJK.04/2021 tentang Bentuk dan Isi Number 16/SEOJK.04/2021 on the Form and
Laporan Tahunan Emiten atau Perusahaan Publik; Content of Annual Reports of Issuers or Public
Companies;
5. Peraturan Otoritas Jasa Keuangan 5. Financial Services Authority Regulation
Nomor 13/POJK.03/2021 tentang Penyelenggaraan Number 13/POJK.03/2021 on the Organization of
Produk Bank Umum; Commercial Bank Products;
6. Peraturan Otoritas Jasa Keuangan Nomor 22 6. Financial Services Authority Regulation Number
Tahun 2023 tentang Pelindungan Konsumen dan 22 of 2023 on Consumer and Public Protection in
Masyarakat di Sektor Jasa Keuangan; the Financial Services Sector;
7. Peraturan Otoritas Jasa Keuangan 7. Financial Services Authority Regulation
Nomor 51/POJK.03/2017 tentang Penerapan Number 51/POJK.03/2017 on the Implementation
Keuangan Berkelanjutan bagi Lembaga Jasa of Sustainable Finance for Financial Services
Keuangan, Emiten, dan Perusahaan Publik; Institutions, Issuers, and Public Companies;
8. Peraturan Otoritas Jasa Keuangan Nomor 22 Tahun 8. Financial Services Authority Regulation Number 22
2025 tentang Pelaporan Bank Umum Melalui Sistem of 2025 on Reporting by Commercial Banks through
Pelaporan Otoritas Jasa Keuangan; dan Financial Services Authority Reporting System; and
9. Peraturan Otoritas Jasa Keuangan Nomor 15 Tahun 9. Financial Services Authority Regulation Number 15
2024 tentang Integritas Pelaporan Keuangan Bank. of 2024 on the Integrity of Bank Financial Reporting.
Bank menyampaikan informasi keuangan maupun The Bank discloses financial and non-financial
non-keuangan secara terbuka dan mudah diakses oleh information in an openly and easily accessible manner
seluruh pemangku kepentingan. Penyampaian informasi for all stakeholders. The information is disclosed through
dilakukan melalui berbagai media, baik dalam bentuk various media, both in the form of printed reports
laporan cetak maupun publikasi digital pada situs resmi or digital publication on the Bank’s official website.
Bank. Bentuk laporan yang disajikan meliputi Laporan The reports presented are the Annual Report, Quarterly
Tahunan, Laporan Keuangan Publikasi Triwulanan, serta Published Financial Statements, as well as Monthly
Laporan Keuangan Publikasi Bulanan, yang seluruhnya Published Financial Statements, all prepared to support
disusun untuk mendukung prinsip transparansi dan the principles of transparency and accountability.
akuntabilitas.
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Penerapan Pedoman Tata Kelola
Perusahaan Terbuka
Implementation of Corporate Governance Guidelines for
Public Companies
Sebagai wujud kepatuhan terhadap ketentuan yang In compliance with the applicable provisions, the Bank
berlaku, Bank senantiasa mengimplementasikan prinsip constantly implementing the corporate governance
tata kelola perusahaan sesuai dengan Peraturan Otoritas principles in accordance with the Financial Services
Jasa Keuangan Nomor 21/POJK.04/2015 tentang Authority Regulation Number 21/POJK.04/2015
Penerapan Pedoman Tata Kelola Perusahaan Terbuka concerning the Implementation of Public Company
beserta peraturan pelaksanaannya, yaitu Surat Edaran Governance Guidelines and its implementing regulation,
Otoritas Jasa Keuangan Nomor 32/SEOJK.04/2015 namely Financial Services Authority Circular Letter
mengenai Pedoman Tata Kelola Perusahaan Terbuka. Number 32/SEOJK.04/2015 on Guidelines for Public
Implementasi ketentuan tersebut tercermin dalam Company Governance. The implementation of these
praktik tata kelola yang dijalankan oleh Bank, dengan provisions are reflected in the governance practice
rincian sebagai berikut: implemented by the Bank, as detailed below:
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Aspect 1: Relationships of Public Companies with Shareholders in Guaranteeing Shareholders Rights
Prinsip 1: Meningkatkan nilai penyelenggaraan RUPS.
Principle 1: Increasing the value of GMS.
Rekomendasi 1: Status dan Penerapan:
Recommendation 1: Status and Implementation:
Perusahaan terbuka memiliki cara atau prosedur teknis pengumpulan Terpenuhi
suara (voting), baik secara terbuka maupun tertutup yang Dalam penyelenggaraan RUPS, Bank telah menetapkan mekanisme
mengedepankan independensi dan kepentingan Pemegang Saham. pengumpulan suara yang dilaksanakan sesuai dengan ketentuan
Anggaran Dasar serta peraturan internal mengenai tata tertib
rapat. Prosedur tersebut disampaikan secara jelas kepada seluruh
Pemegang Saham pada awal pelaksanaan RUPS, sehingga setiap
keputusan yang dihasilkan dapat tercapai secara transparan, tertib,
dan sesuai dengan ketentuan yang berlaku.
The public company has a method or technical procedure for open Comply
and closed voting that prioritizes independence and the interests In conducting the GMS, the Bank has established a voting mechanism
of Shareholders. implemented in line with the provisions of Articles of Association
and internal regulations on meeting procedures. These procedures
are clearly conveyed to all Shareholders at the start of the GMS, so
that every resolution can be made in a transparent, orderly manner
and in compliance with the prevailing regulations.
Rekomendasi 2: Status dan Penerapan:
Recommendation 2: Status and Implementation:
Seluruh anggota Dewan Komisaris dan anggota Direksi perusahaan Penjelasan
terbuka hadir dalam RUPS Tahunan. Pada RUPS Tahunan 2025, seluruh anggota Direksi hadir secara
lengkap. Dari sisi Dewan Komisaris, 1 anggota berhalangan hadir,
namun fungsi pengawasan tetap dijalankan oleh anggota lain yang
hadir sehingga kelancaran rapat tidak terganggu.
All members of the Board of Commissioners and the Board of Explanation
Directors of the public company attend the Annual GMS. In 2025 Annual GMS, all members of the Board of Directors attended
in full. The Board of Commissioners had 1 member absent, but
the supervision function was carried out by the attending member
and not disrupting the meeting implementation.
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Tata Kelola Perusahaan
Corporate Governance
Prinsip 1: Meningkatkan nilai penyelenggaraan RUPS.
Principle 1: Increasing the value of GMS.
Rekomendasi 3: Status dan Penerapan:
Recommendation 3: Status and Implementation:
Ringkasan risalah RUPS tersedia dalam situs web perusahaan Terpenuhi
terbuka paling sedikit selama 1 tahun. Ringkasan risalah RUPS Tahun 2025 telah dipublikasikan melalui
situs web resmi Bank. Selain itu, tersedia pula ringkasan risalah RUPS
sejak Tahun 2015 sebagai bentuk konsistensi dalam penerapan
keterbukaan informasi kepada Pemegang Saham dan pemangku
kepentingan.
A summary of the minutes of the GMS is available on the public Comply
company’s website for at least 1 year. A summary of the minutes of the 2025 GMS has been published
on the Bank’s official website. Also, summary of the minutes of
the GMS since 2015 are also provided as a form of consistency
in implementing the information disclosure to Shareholders and
stakeholders.
Prinsip 2: Meningkatkan kualitas komunikasi perusahaan terbuka dengan Pemegang Saham atau investor.
Principle 2: Improving the quality of public company communication with the Shareholders or investors.
Rekomendasi 4: Status dan Penerapan:
Recommendation 4: Status and Implementation:
Perusahaan terbuka memiliki suatu kebijakan komunikasi dengan Terpenuhi
Pemegang Saham atau investor. Bank menetapkan kebijakan komunikasi dengan Pemegang Saham
dan investor melalui Surat Keputusan Direksi mengenai Pedoman
Kerja Satuan Kerja Divisi Corporate Secretary.
The public company has a communication policy with Shareholders Comply
or investors. The Bank has established communication policy with Shareholders
and investors through Board of Directors’ Decree on the Work
Guidelines of the Corporate Secretary Division.
Rekomendasi 5: Status dan Penerapan:
Recommendation 5: Status and Implementation:
Perusahaan terbuka mengungkapkan kebijakan komunikasi Terpenuhi
perusahaan terbuka dengan Pemegang Saham atau investor dalam Bank senantiasa menjaga keterbukaan informasi dengan menetapkan
situs web. kebijakan komunikasi yang jelas dan terstruktur bagi Pemegang
Saham serta investor. Seluruh kebijakan tersebut tidak hanya
disajikan dalam Laporan Tahunan sebagai bentuk akuntabilitas,
tetapi juga dipublikasikan melalui situs web resmi Bank agar dapat
diakses dengan mudah oleh seluruh pemangku kepentingan.
The public company discloses its communication policy with Comply
Shareholders or investors on the website. The Bank constantly maintaining information disclosure by
establishing clear and structured communication policy for
the Shareholders and investors. These policies are not only
presented in the Annual Report as a form of accountability, but also
published on the Bank’s official website to be easily accessible by
all stakeholders.
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Aspek 2: Fungsi dan Peran Dewan Komisaris
Aspect 2: Functions and Roles of the Board of Commissioners
Prinsip 3: Memperkuat keanggotaan dan komposisi Dewan Komisaris.
Principle 3: Strengthening the membership and composition of the Board of Commissioners.
Rekomendasi 6: Status dan Penerapan:
Recommendation 6: Status and Implementation:
Penentuan jumlah anggota Dewan Komisaris mempertimbangkan Terpenuhi
kondisi perusahaan terbuka. Per 31 Desember 2025, Bank memiliki 3 anggota Dewan Komisaris,
sesuai dengan ketentuan Otoritas Jasa Keuangan dan kondisi Bank.
The determination of the number of Board of Commissioners Comply
members considers the condition of the public company. As of 31 December 2025, the Bank’s Board of Commissioners has
3 members, in accordance with the provisions of the Financial
Services Authority and the condition of the Bank.
Rekomendasi 7: Status dan Penerapan:
Recommendation 7: Status and Implementation:
Penentuan komposisi anggota Dewan Komisaris memperhatikan Terpenuhi
keberagaman keahlian, pengetahuan, dan pengalaman yang Komposisi Dewan Komisaris Bank mencerminkan kombinasi latar
dibutuhkan. belakang profesional dan pengalaman yang beragam, sehingga
mampu memberikan perspektif yang komprehensif dalam
menjalankan fungsi pengawasan.
The determination of the composition of the Board of Commissioners Comply
members considers the diversity of skills, knowledge, and experience The composition of the Bank’s Board of Commissioners reflects
needed. the combination of diverse professional background and
experiences, thus able to provide a comprehensive perspective in
carrying out the supervisory function.
Prinsip 4: Meningkatkan kualitas pelaksanaan tugas dan tanggung jawab Dewan Komisaris.
Principle 4: Improving the quality of duties and responsibilities implementation of the Board of Commissioners.
Rekomendasi 8: Status dan Penerapan:
Recommendation 8: Status and Implementation:
Dewan Komisaris mempunyai kebijakan penilaian sendiri Terpenuhi
(self-assessment) untuk menilai kinerja Dewan Komisaris. Penilaian kinerja Direksi dilaksanakan berdasarkan
ketentuan yang ditetapkan dalam Surat Keputusan Direksi
Nomor SK/DIR/166/XII/2024, yang memuat pedoman dan tata
tertib kerja organ perusahaan guna memastikan penerapan prinsip
GCG secara konsisten.
The Board of Commissioners has a self-assessment policy to assess Comply
the performance of the Board of Commissioners. The performance assessment of Board of Directors was carried
out based on the provisions established in the Board of Directors’
Decree Number SK/DIR/166/XII/2024, containing work guidelines
and rules of company organs to ensure a consistent implementation
of GCG principles.
Rekomendasi 9: Status dan Penerapan:
Recommendation 9: Status and Implementation:
Kebijakan penilaian sendiri (self-assessment) untuk menilai kinerja Terpenuhi
Dewan Komisaris, diungkapkan melalui Laporan Tahunan perusahaan Uraian mengenai pelaksanaan penilaian kinerja Dewan Komisaris
terbuka. disajikan secara khusus dalam bagian Tata Kelola Perusahaan sebagai
bentuk transparansi dan akuntabilitas.
The self-assessment policy to assess the performance of Comply
the Board of Commissioners is disclosed through the Annual Report of A description on the implementation of performance assessment of
the public company. Board of Commissioners is specifically presented in the Corporate
Governance section as a form of transparency and accountability.
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Tata Kelola Perusahaan
Corporate Governance
Rekomendasi 10: Status dan Penerapan:
Recommendation 10: Status and Implementation:
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri Terpenuhi
anggota Dewan Komisaris apabila terlibat dalam kejahatan keuangan. Bank telah memberlakukan kebijakan mengenai pengunduran diri
anggota Dewan Komisaris yang menghadapi benturan kepentingan
atau tidak lagi memenuhi ketentuan peraturan perundang-undangan.
Ketentuan ini dituangkan dalam Surat Keputusan Direksi Nomor SK/
DIR/166/XII/2024 tentang Pedoman dan Tata Tertib Kerja Dewan
Komisaris, Direksi, dan Komite PT Bank Capital Indonesia Tbk.
The Board of Commissioners has a policy on the resignation of Comply
the Board of Commissioners members if involved in financial crime. The Bank has implemented a policy on the resignation
of Board of Commissioners members having conflicts of
interest or no longer meeting the provisions of laws and
regulations. This policy is outlined in Board of Directors’ Decree
Number SK/DIR/166/XII/2024 on Work Guidelines and Rules of
the Board of Commissioners, Board of Directors, and Committees of
PT Bank Capital Indonesia Tbk.
Rekomendasi 11: Status dan Penerapan:
Recommendation 11: Status and Implementation:
Dewan Komisaris atau Komite yang menjalankan fungsi nominasi Terpenuhi
dan remunerasi menyusun kebijakan suksesi dalam proses nominasi Komite Remunerasi dan Nominasi menerapkan kebijakan suksesi
anggota Direksi. dalam nominasi Direksi sesuai Surat Keputusan Direksi Nomor SK/
DIR/166/XII/2024 guna mendukung kesinambungan kepemimpinan
dan penerapan GCG.
The Board of Commissioners or Committee that carries out the Comply
nomination and remuneration functions prepares a succession The Remuneration and Nomination Committee implemented
policy in the nomination process of Board of Directors members. a succession policy in the nomination of Board of
Directors in accordance with Board of Directors’ Decree
Number SK/DIR/166/XII/2024 to support the leadership continuation
and GCG implementation.
Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Functions and Roles of the Board of Directors
Prinsip 5: Memperkuat keanggotaan dan komposisi Direksi.
Principle 5: strengthening the membership and composition of the Board of Directors.
Rekomendasi 12: Status dan Penerapan:
Recommendation 12: Status and Implementation:
Penentuan jumlah anggota Direksi mempertimbangkan kondisi Terpenuhi
perusahaan terbuka, serta efektivitas dalam pengambilan keputusan. Per 31 Desember 2025, Bank memiliki 5 anggota Direksi, sesuai
dengan ketentuan Otoritas Jasa Keuangan dan kondisi Bank.
Determination of the number of members of the Board of Directors Comply
takes into account the condition of the public company, as well as As of 31 December 2025, the Bank’s Board of Directors has
effectiveness in decision making. 5 Directors, in accordance with the provisions of the Financial
Services Authority and the condition of the Bank.
Rekomendasi 13: Status dan Penerapan:
Recommendation 13: Status and Implementation:
Penentuan komposisi anggota Direksi memperhatikan keberagaman Terpenuhi
keahlian, pengetahuan, dan pengalaman yang dibutuhkan. Direksi Bank terdiri dari individu dengan latar belakang keahlian,
pengetahuan, dan pengalaman yang beragam, sehingga secara
kolektif mampu mendukung pertumbuhan usaha dan pengelolaan
Bank secara efektif.
The determination of the composition of the Board of Directors Comply
members considers the diversity of skills, knowledge, and experience The Bank’s Board of Directors consists of individuals with diverse
needed. skills, knowledge, and experiences, thus collectively able to support
the business growth and the management of the Bank effectively.
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Rekomendasi 14: Status dan Penerapan:
Recommendation 14: Status and Implementation:
Anggota Direksi yang membawahi bidang akuntansi atau keuangan Terpenuhi
memiliki keahlian dan/atau pengetahuan di bidang akuntansi. Direktur yang bertanggung jawab atas bidang akuntansi dan
keuangan memiliki latar belakang pendidikan, pengalaman, serta
kompetensi yang relevan di bidang keuangan, sebagaimana
tercantum dalam Profil Direksi.
Board of Directors members in charge of accounting or finance have Comply
skills and/or knowledge in accounting. The Director in charge of accounting and finance has the relevant
education, experience, and competency background in finance, as
presented in the Board of Directors Profile section.
Prinsip 6: Meningkatkan kualitas pelaksanaan tugas dan tanggung jawab Direksi.
Principle 6: Improving the quality of duties and responsibilities implementation of the Board of Directors.
Rekomendasi 15: Status dan Penerapan:
Recommendation 15: Status and Implementation:
Direksi mempunyai kebijakan penilaian sendiri (self-assessment) Terpenuhi
untuk menilai kinerja Direksi. Penilaian kinerja Direksi diatur melalui Surat Keputusan Direksi
Nomor SK/DIR/166/XII/2024 tentang tentang Pedoman dan Tata
Tertib Kerja Dewan Komisaris, Direksi, dan Komite.
The Board of Directors has a self-assessment policy to assess Comply
the performance of the Board of Directors. The performance assessment of Board of Directors is regulated
with Board of Directors’ Decree Number SK/DIR/166/XII/2024 on
Work Guidelines and Rules of the Board of Commissioners, Board of
Directors, and Committees.
Rekomendasi 16: Status dan Penerapan:
Recommendation 16: Status and Implementation:
Kebijakan penilaian sendiri (self-assessment) untuk menilai kinerja Terpenuhi
Direksi diungkapkan melalui Laporan Tahunan perusahaan terbuka. Uraian mengenai pelaksanaan penilaian kinerja Direksi disajikan
dalam bagian Tata Kelola Perusahaan pada Laporan Tahunan ini.
The self-assessment policy to assess the performance of the Board Comply
of Directors is disclosed through the Annual Report of the public A description on the implementation of performance assessment
company. of Board of Directors is presented in the Corporate Governance
section in this Annual Report.
Rekomendasi 17: Status dan Penerapan:
Recommendation 17: Status and Implementation:
Direksi mempunyai kebijakan terkait pengunduran diri anggota Terpenuhi
Direksi apabila terlibat dalam kejahatan keuangan. Bank memberlakukan kebijakan pengunduran diri bagi anggota
Direksi yang menghadapi benturan kepentingan atau tidak
memenuhi ketentuan hukum, sebagaimana diatur dalam Surat
Keputusan Direksi Nomor SK/DIR/166/XII/2024 tentang Pedoman
dan Tata Tertib Kerja Dewan Komisaris, Direksi, dan Komite.
The Board of Directors has a policy on the resignation of the Board Comply
of Directors members if involved in financial crime. The Bank implemented a policy on the resignation of Board of
Directors members having conflicts of interest or no longer meeting
the legal provisions, as regulated in the Board of Directors’ Decree
Number SK/DIR/166/XII/2024 on Work Guidelines and Rules of
the Board of Commissioners, Board of Directors, and Committees.
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Tata Kelola Perusahaan
Corporate Governance
Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholder Participation
Prinsip 7: Meningkatkan aspek tata kelola perusahaan melalui partisipasi pemangku kepentingan.
Principle 7: Improving corporate governance aspects through stakeholder participation.
Rekomendasi 18: Status dan Penerapan:
Recommendation 18: Status and Implementation:
Perusahaan terbuka memiliki kebijakan untuk mencegah terjadinya Terpenuhi
insider trading. Untuk mencegah praktik insider trading, Bank telah
menetapkan aturan yang jelas terkait larangan dan
pengelolaan informasi penting melalui Surat Keputusan Direksi
Nomor SK/DIR/067/VI/2025 tentang Kode Etik dan Perilaku
Karyawan.
The public company has a policy to prevent insider trading. Comply
In preventing insider trading practice, the Bank has established
a clear rules related to the prohibition and management of important
information through the Board of Directors’ Decree Number
SK/DIR/067/VI/2025 on the Code of Ethics and Conduct for
Employees.
Rekomendasi 19: Status dan Penerapan:
Recommendation 19: Status and Implementation:
Perusahaan terbuka memiliki kebijakan anti korupsi dan anti fraud. Terpenuhi
Bank telah menetapkan kebijakan yang komprehensif untuk
mencegah praktik korupsi dan fraud. Kebijakan ini diatur secara
rinci dalam dokumen penerapan strategi anti-fraud, yang menjadi
pedoman bagi seluruh jajaran Bank dalam menjalankan kegiatan
operasional dengan integritas tinggi serta meminimalkan risiko
penyimpangan dan penyalahgunaan wewenang.
The public company has anti-corruption and anti-fraud policies. Comply
The Bank has established comprehensive policies to prevent
corruption and fraud practices. The policies are set out in detail in
the document of anti-fraud strategy implementation, as a guideline
for all levels of the Bank in carrying out operational activities with
high integrity while minimizing risk of deviation and abuse of
authority.
Rekomendasi 20: Status dan Penerapan:
Recommendation 20: Status and Implementation:
Perusahaan terbuka memiliki kebijakan tentang seleksi dan Terpenuhi
peningkatan kemampuan pemasok atau vendor. Bank menerapkan kebijakan yang mengatur seleksi dan
pengembangan kapasitas yang tertuang dalam Surat Edaran General
Affair Nomor 001 revisi 4 tanggal 27 Maret 2024 tentang Standar
Prosedur Operasi Pengadaan Barang dan/atau Jasa.
The public company has a policy on supplier or vendor selection and Comply
capacity building. The Bank established a policy to regulate the selection and capacity
development outlined in the General Affairs Circular Letter Number
001 revision 4 dated 27 March 2024 on Standard Operating
Procedure for the Procurement of Goods and/or Services Providers.
Rekomendasi 21: Status dan Penerapan:
Recommendation 21: Status and Implementation:
Perusahaan terbuka memiliki kebijakan tentang pemenuhan hak-hak Terpenuhi
kreditur. Bank memastikan perlindungan hak-hak kreditur dilaksanakan
secara menyeluruh melalui pedoman yang jelas dan terstruktur.
Hal ini diatur dalam Surat Edaran Kepatuhan Nomor 004
revisi 5 tanggal 22 September 2025 tentang Standar Prosedur
Operasi Perlindungan Konsumen.
The public company has a policy on fulfillment of creditor rights. Comply
The Bank ensures the protection of creditor rights is carried
out comprehensively with clear and structured guidelines. This
is regulated in the Compliance Circular Number 004 revision 5
dated 22 September 2025 on Standard Operating Procedure for
Consumer Protection.
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Prinsip 7: Meningkatkan aspek tata kelola perusahaan melalui partisipasi pemangku kepentingan.
Principle 7: Improving corporate governance aspects through stakeholder participation.
Rekomendasi 22: Status dan Penerapan:
Recommendation 22: Status and Implementation:
Perusahaan terbuka memiliki kebijakan sistem whistleblowing. Terpenuhi
Bank memiliki kebijakan WBS yang memungkinkan seluruh
pemangku kepentingan melaporkan dugaan pelanggaran secara
aman dan terpercaya, mendukung praktik tata kelola perusahaan
yang transparan dan akuntabel.
The public company has a whistleblowing system policy. Comply
The Bank has WBS policy that allows all stakeholders to report any
alleged violation in a secure and trustworthy manner, supporting
a transparent and accountable corporate governance practice.
Rekomendasi 23: Status dan Penerapan:
Recommendation 23: Status and Implementation:
Perusahaan terbuka memiliki kebijakan pemberian insentif jangka Terpenuhi
panjang kepada Direksi dan karyawan. Bank memiliki kebijakan insentif jangka panjang bagi Direksi
dan karyawan, yang diatur dalam Surat Edaran Human Capital
Nomor 006 revisi 3 tanggal 8 Maret 2024. Kebijakan ini bertujuan
mendorong kinerja unggul dan komitmen jangka panjang secara adil
dan transparan.
The public company has a policy on the provision of long-term Comply
incentives to the Board of Directors and employees. The Bank has a long-term incentive policy for Board of Directors
and employees, as stipulated in Human Capital Circular Letter
Number 006 revision 3 dated 8 March 2024. This policy aims to
encourage excellent performance and long-term commitment in
a fair and transparent manner.
Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8: Meningkatkan pelaksanaan keterbukaan informasi.
Principle 8: Improving the implementation of information disclosure.
Rekomendasi 24: Status dan Penerapan:
Recommendation 24: Status and Implementation:
Perusahaan terbuka memanfaatkan penggunaan teknologi informasi Terpenuhi
secara lebih luas selain situs web sebagai media keterbukaan Bank menyediakan akses informasi secara luas melalui berbagai
informasi. platform media sosial, termasuk Facebook, Instagram, dan LinkedIn.
The public company utilizes information technology more broadly, Comply
beyond just the website, as a medium of information disclosure. The Bank provides a vast information access through various social
media platform, including Facebook, Instagram, and LinkedIn.
Rekomendasi 25: Status dan Penerapan:
Recommendation 25: Status and Implementation:
Laporan Tahunan perusahaan terbuka mengungkapkan pemilik Terpenuhi
manfaat akhir dalam kepemilikan saham perusahaan terbuka paling Bank memberikan keterbukaan penuh mengenai kepemilikan akhir
sedikit 5%, selain pengungkapan pemilik manfaat akhir dalam melalui pemaparan pemilik manfaat terakhir. Informasi ini disajikan
kepemilikan saham perusahaan terbuka melalui pemegang saham pada bagian Struktur Pemegang Saham Utama dan Pengendali
utama dan pengendali. di bab Profil Perusahaan dalam Laporan Tahunan ini.
The public company’s Annual Report discloses the ultimate Comply
beneficial owner in the ownership of the public company shares of The Bank provides full disclosure on the ultimate ownership through
at least 5%, in addition to the disclosure of the ultimate beneficial the disclosure of ultimate beneficial owner. This information is
owner in the ownership of the public company shares through presented in the Structure of the Main and Controlling Shareholders
the Main and Controlling Shareholders. section, Company Profile chapter in this Annual Report.
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Tata Kelola Perusahaan
Corporate Governance
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Laporan Keberlanjutan Sustainability Report 312 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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2025 Annual Report | PT Bank Capital Indonesia Tbk 313
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Tata Kelola Keberlanjutan
Sustainability Governance
Bank menegaskan komitmen dalam membangun The Bank reaffirms its commitment to building
ekosistem keuangan berkelanjutan yang selaras dengan a sustainable financial ecosystem that is aligned with
tanggung jawab sosial dan lingkungan. Setiap langkah social and environmental responsibility. Every business
usaha dijalankan dengan kesadaran bahwa keputusan initiative is undertaken with the awareness that today’s
hari ini berdampak bagi generasi mendatang. Sejalan decisions have an impact on future generations.
dengan hal tersebut, Bank secara konsisten mendorong In line with this, the Bank consistently promotes
penerapan prinsip keuangan berkelanjutan melalui the implementation of sustainable finance principles
inisiatif yang terarah, dengan tujuan utama sebagai through focused initiatives, with the following primary
berikut: objectives:
1. Menyediakan sumber pendanaan yang dibutuhkan 1. Providing the necessary funding sources to achieve
untuk mencapai tujuan pembangunan berkelanjutan sustainable development goals and funding related
dan pendanaan terkait perubahan iklim dalam jumlah to climate change in adequate amounts;
yang memadai;
2. Meningkatkan daya tahan serta daya saing Bank 2. Enhancing the resilience and competitiveness of
melalui pengelolaan risiko sosial dan lingkungan the Bank through better management of social and
hidup yang lebih baik dengan cara mengembangkan environmental risks by developing financial products
produk dan/atau jasa keuangan yang menerapkan and/or services that apply sustainable finance
prinsip keuangan berkelanjutan; principles;
3. Berperan aktif dalam mengurangi kesenjangan sosial 3. Actively contribute to reducing existing social gap,
yang ada, mengurangi dan mencegah kerusakan reducing and preventing environmental damage,
lingkungan hidup, menjaga keanekaragaman hayati, preserving biodiversity, and promoting efficiency in
serta mendorong efisiensi dalam pemanfaatan using energy and natural resources available; and
energi dan sumber daya alam yang tersedia; dan
4. Mengembangkan produk dan/atau jasa keuangan 4. Developing financial products and/or services that
yang menerapkan prinsip keuangan berkelanjutan. apply sustainable finance principles.
Bank Capital menegaskan tekad untuk mewujudkan Bank Capital reaffirms its determination to realize
Visi Keuangan Berkelanjutan pada tahun 2026 dan the Sustainable Finance Vision in 2026 and beyond. By
seterusnya. Dengan memperhatikan kondisi keuangan, taking into account financial conditions, operational
kapasitas operasional, serta kesiapan organisasi, Bank capacity, and organizational readiness, the Bank strives
berupaya menjadi perbankan ritel yang sehat, tangguh, to become a sound, resilient, and trusted retail banking
dan terpercaya. Upaya ini diwujudkan melalui dukungan institution. These efforts are manifested through support
terhadap pembangunan ekonomi yang inklusif serta for inclusive economic development and responsible
pengelolaan lingkungan yang bertanggung jawab demi environmental management for a sustainable future.
masa depan berkelanjutan.
Penanggung Jawab Penerapan Keuangan Unit in Charge of Sustainable Finance
Keberlanjutan [POJK E.1] Implementation [POJK E.1]
Penerapan keuangan berkelanjutan di Bank menjadi The implementation of sustainable finance at the Bank
tanggung jawab bersama seluruh organ perusahaan, is a shared responsibility of all corporate organs, ranging
mulai dari Dewan Komisaris dan Direksi hingga unit kerja from the Board of Commissioners and the Board of
dan karyawan. Untuk memastikan implementasi berjalan Directors to work units and employees. To ensure
efektif, Bank membentuk tim khusus yang bertugas effective implementation, the Bank has established
mengoordinasikan, mengawasi, dan melaporkan a dedicated team tasked with coordinating, overseeing,
pelaksanaan keuangan berkelanjutan. Rincian mengenai and reporting on the implementation of sustainable
keanggotaan serta tugas dan wewenang tim tersebut finance. Details regarding the team’s composition, as
diuraikan sebagai berikut: well as its duties and authorities, are outlined as follows:
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Laporan Keberlanjutan
Sustainability Report
Pejabat Tugas dan Wewenang
Officials Duties and Authorities
Direktur Utama Tim Penyusun RAKB di bawah koordinasi dari Direktur Utama yang bertindak sebagai penanggung
jawab persiapan dan penyusunan RAKB.
President Director The RAKB Drafting Team operates under the coordination of the President Director, who is
responsible for overseeing the preparation and development of the RAKB.
Sekretaris Perusahaan • Bertanggung jawab terhadap Direksi atas pengelolaan program keuangan berkelanjutan
di Bank secara keseluruhan.
• Mengelola program keuangan berkelanjutan di Bank.
• Menyusun dan menetapkan target dan alokasi penyaluran dana Tanggung Jawab Sosial dan
Lingkungan (TJSL) kepada kegiatan usaha yang masuk kategori keuangan berkelanjutan.
• Melakukan tinjauan dan rekomendasi terkait aspek kepatuhan terhadap program keuangan
berkelanjutan.
• Menyusun klasifikasi kegiatan usaha Bank sesuai dengan program keuangan berkelanjutan.
• Mendesain, mengembangkan, dan inovasi portofolio produk dan/atau jasa keuangan
berkelanjutan di Bank.
• Monitoring pelaksanaan program keuangan berkelanjutan Bank.
• Menyusun sistem pengawasan dan pelaporan penerapan program keuangan berkelanjutan.
• Melakukan edukasi internal untuk meningkatkan pemahaman karyawan Bank dalam program
keuangan berkelanjutan, khususnya bagi karyawan yang bertugas mengelola program
keuangan berkelanjutan.
• Menyusun Laporan Keberlanjutan Bank.
• Melakukan edukasi terhadap nasabah terkait produk dan/atau jasa keuangan berkelanjutan
yang dikeluarkan oleh Bank.
• Melakukan evaluasi terhadap program keuangan berkelanjutan dan memberikan rekomendasi/
masukan kepada Tim Penyusun RAKB dalam melakukan revisi/perbaikan RAKB yang akan
dijalankan di tahun yang akan datang.
Corporate Secretary • Responsible to the Board of Directors for managing the overall sustainable finance program
at the Bank.
• Managing the sustainable finance programs within the Bank.
• Formulating establishing targets and allocations for the disbursement of Social and
Environmental Responsibility (TJSL) funds to business activities falling under the category of
sustainable finance.
• Conducting reviews and making recommendations regarding compliance aspects of
the sustainable finance program.
• Classifying the Bank’s business activities according to the sustainable finance program.
• Designing, developing, and innovating portfolios of sustainable financial products and/or
services at the Bank.
• Monitoring the implementation of the Bank’s sustainable finance program.
• Developing supervision and reporting systems for the implementation of the sustainable
finance program.
• Conducting internal education to enhance the understanding of Bank employees in
the sustainable finance program, particularly for employees tasked with managing
the sustainable finance program.
• Preparing the Bank’s Sustainability Report.
• Providing education to customers regarding sustainable financial products and/or services
issued by the Bank.
• Evaluating the sustainable finance program and providing recommendations/inputs to
the RAKB Preparation Team for revisions/improvements to the RAKB to be implemented in
the coming years.
Divisi Business Development • Mendesain, mengembangkan, dan inovasi produk dan/atau jasa keuangan berkelanjutan.
• Produk dan/atau jasa keuangan berkelanjutan.
• Monitoring implementasi produk dan/atau jasa keuangan berkelanjutan.
Business Development Division • Designing, developing, and innovating sustainable financial products and/or services.
• Sustainable financial products and/or services.
• Monitoring the implementation of sustainable financial products and/or services.
Divisi Business & Network • Mendesain, mengembangkan, dan inovasi produk dan/atau jasa keuangan berkelanjutan.
• Produk dan/atau jasa keuangan berkelanjutan.
• Monitoring implementasi produk dan/atau jasa keuangan berkelanjutan.
• Memastikan semua unit bisnis dapat memahami serta mengimplementasikan layanan
keuangan berkelanjutan.
Business & Network Division • Designing, developing, and innovating sustainable financial products and/or services.
• Sustainable financial products and/or services.
• Monitoring the implementation of sustainable financial products and/or services.
• Ensuring that all business units understand and implement sustainable financial services.
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Pejabat Tugas dan Wewenang
Officials Duties and Authorities
Divisi Kredit • Memproyeksikan pertumbuhan penyaluran kredit kepada kegiatan usaha kategori
berkelanjutan.
• Mendesain, mengembangkan, dan inovasi portofolio kredit keuangan berkelanjutan.
• Menyalurkan kredit kepada kegiatan usaha kategori berkelanjutan.
• Menyusun Laporan Bulanan Realisasi Penyaluran Kredit kepada Kegiatan Usaha Kategori
Berkelanjutan.
Credit Division • Projecting the growth of credit disbursement to business activities classified under
sustainable categories.
• Designing, developing, and innovating portfolios of sustainable finance loans.
• Disbursing loans to business activities in the sustainable category.
• Preparing Monthly Reports on the Realization of Loan Disbursement to Business Activities in
the Sustainable Category.
Divisi Teknologi Informasi • Mengembangkan sistem teknologi informasi untuk pelaporan keuangan berkelanjutan.
• Membantu menyusun sistem pengawasan dan pelaporan penerapan keuangan berkelanjutan.
Information Technology Division • Developing information technology systems for sustainable finance reporting.
• Assisting in the development of supervision and reporting systems for the implementation of
sustainable finance.
Divisi Human Resources • Menyediakan karyawan untuk mengisi unit khusus pengelola program keuangan berkelanjutan.
• Melakukan pelatihan peningkatan kompetensi karyawan terkait program keuangan
berkelanjutan.
Human Resources Division • Providing employees to staff the dedicated unit managing the sustainable finance program.
• Conducting training to enhance employees’ competencies related to the sustainable finance
program.
Departemen Satuan Kerja Kepatuhan Melakukan penelaahan dan rekomendasi terkait aspek kepatuhan terhadap program keuangan
berkelanjutan.
Compliance Unit Department Conducting reviews and providing recommendations related to compliance aspects of
sustainable finance programs.
Departemen Satuan Kerja
Melakukan monitoring risiko kredit dan risiko lainnya terkait penerapan keuangan kerkelanjutan.
Manajemen Risiko
Risk Management Unit Department Monitoring credit risk and other risks related to the implementation of sustainable finance.
Pengembangan Kompetensi terkait Competency Development related to
Keuangan Berkelanjutan [POJK E.2] Sustainable Finance [POJK E.2]
Sebagai bagian dari komitmen dalam memperkuat As part of its commitment to strengthening
penerapan keuangan berkelanjutan, Bank memberikan the implementation of sustainable finance, the Bank
perhatian khusus pada peningkatan kapasitas karyawan places particular emphasis on enhancing the capacity
yang tergabung dalam tim penanggung jawab of employees who are members of the sustainability
keberlanjutan. Karyawan tersebut secara konsisten responsibility team. These employees are consistently
difasilitasi untuk mengikuti berbagai program pelatihan facilitated to participate in various training and
dan pengembangan kompetensi, baik melalui forum competency development programs, both through
internal maupun kegiatan eksternal yang relevan. internal forums and relevant external activities.
Pada tahun 2025, Bank mengikuti pengembangan In 2025, the Bank participated in competency
kompetensi terkait keuangan berkelanjutan dari Otoritas development related to sustainable finance organized
Jasa Keuangan. by the Financial Services Authority.
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Laporan Keberlanjutan
Sustainability Report
1. Beyond Business: Membangun Dampak Sosial 1. Beyond Business: Building Social Impact through
melalui CSR. CSR.
2. Climate Setting Target Workshop. 2. Climate Setting Target Workshop.
3. Peningkatan Awareness terhadap Risiko Tindak 3. Enhancing Awareness to Criminal Risks related to
Pidana terkait Invesment Fraud dan Green Financial Investment Fraud and Green Financial Crime.
Crime.
4. The Sustainable Financing Opportunities in 4. The Sustainable Financing Opportunities in
the Indonesian Insurance Industry. the Indonesian Insurance Industry.
5. Updeting Sustainability Report and Preparing 5. Updating Sustainability Report and Preparing
Climate Asessment. Climate Assessment.
Pengelolaan Risiko terkait Keuangan Risk Management related to
Berkelanjutan [POJK E.3] Sustainable Finance [POJK E.3]
Dalam menyalurkan pembiayaan, Bank Capital selalu In extending financing, Bank Capital consistently takes
memperhatikan aspek sosial dan lingkungan sebagai social and environmental aspects into account as part
bagian dari manajemen risiko yang menyeluruh. Setiap of comprehensive risk management. Each potential risk
potensi risiko dianalisis melalui tahapan identifikasi, is analyzed through stages of identification, evaluation,
evaluasi, pengendalian, hingga pemantauan agar control, and monitoring to minimize any possible
dampak negatif yang mungkin timbul dapat ditekan adverse impacts.
seminimal mungkin.
Bank menyadari bahwa proyek atau kegiatan yang The Bank recognizes that financed projects or
didanai berpotensi membawa konsekuensi terhadap activities may have consequences for communities and
masyarakat maupun lingkungan. Untuk itu, struktur the environment. Accordingly, the Bank’s governance
tata kelola, kebijakan, dan prosedur operasional Bank structure, policies, and operational procedures are
dirancang agar mampu mengintegrasikan prinsip designed to integrate Environmental, Social, and
Lingkungan, Sosial, Dan Tata Kelola (LST) ke dalam Governance (ESG) principles into every business
setiap keputusan bisnis. decision.
Fungsi pengawasan, khususnya melalui Satuan Kerja The oversight function, particularly through the Risk
Manajemen Risiko, memiliki peranan vital dalam Management Unit, plays a vital role in ensuring that
memastikan bahwa risiko kredit maupun risiko lainnya credit risk and other risks are properly managed.
dikelola dengan baik. Dengan pendekatan ini, Bank Through this approach, Bank Capital ensures
Capital dapat memastikan penerapan keuangan the consistent implementation of sustainable finance
berkelanjutan berlangsung secara konsisten, sekaligus while safeguarding future business continuity.
menjaga keberlangsungan usaha di masa depan. Adapun The material risks identified are outlined as follows:
risiko material yang berhasil diidentifikasi diuraikan
sebagai berikut:
Jenis Risiko Mitigasi Risiko
Risk Types Risk Mitigations
Risiko Sosial / Social Risk
Kegagalan penerapan prinsip keuangan berkelanjutan di internal Mengikutsertakan karyawan dalam pelatihan terkait keuangan
yang terjadi akibat rendahnya pemahaman terkait keuangan berkelanjutan, baik yang diselenggarakan oleh internal maupun
berkelanjutan yang dimiliki oleh karyawan dan (calon) debitur Bank. eksternal Bank.
Failure to implement sustainable finance principles internally due Involving employees in sustainable finance related training either
to low understanding of sustainable finance among employees and organized internally by the Bank or externally.
(potential) Bank debtors.
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Jenis Risiko Mitigasi Risiko
Risk Types Risk Mitigations
Risiko Lingkungan Hidup / Environmental Risk
Pembiayaan terhadap Kegiatan Usaha yang Tidak Bertanggung Menetapkan syarat minimum terhadap penyaluran kredit pada
Jawab kegiatan usaha yang terkait langsung dengan lingkungan, seperti
Pembiayaan terhadap kegiatan usaha yang tidak bertanggung kelengkapan dokumen Analisis Mengenai Dampak Lingkungan
jawab dapat merusak reputasi Bank dan keberlanjutan ekosistem Hidup (AMDAL) dan Program Penilaian Peringkat Kinerja Perusahaan
lingkungan hidup. dalam Pengelolaan Lingkungan Hidup (PROPER).
Financing of Irresponsible Business Activities Establishing minimum requirements to distribute loans for business
Financing irresponsible business activities can damage Bank’s activities with direct environment relation, such as requirement
reputation and sustainability of the environmental ecosystem. of completeness of Environmental Impact Analysis (AMDAL)
and Company Performance Rating Assessment Program in
Environmental Management (PROPER) documents.
Risiko terkait Iklim Mengintegrasikan pertimbangan iklim dalam strategi bisnis,
Perubahan iklim yang dapat memberikan dampak signifikan pada mengadopsi praktik keuangan berkelanjutan, melakukan evaluasi
kinerja keuangan debitur, terutama bagi sektor yang rentan terhadap risiko iklim terpadu, dan mengembangkan skenario stres iklim untuk
perubahan iklim. memahami dampak potensialnya terhadap portofolio. Selain itu, Bank
juga berupaya mendukung proyek-proyek hijau dan berinvestasi
dalam inovasi teknologi yang berkontribusi pada mitigasi perubahan
iklim.
Climate related Risk Integrating climate considerations into business strategy, adopting
Climate change can have significant impact on debtors’ financial sustainable financial practices, conducting integrated climate risk
performance, particularly for sectors that are prone to climate evaluations, and developing climate stress scenarios to understand
change. the potential impact on the portfolio. The Bank also seeks to support
green projects and investing in technological innovations that
contribute to climate change mitigation.
Dalam menjaga efektivitas manajemen risiko, Bank In maintaining the effectiveness of risk management,
Capital menempatkan peran Direksi dan Dewan Komisaris Bank Capital positions the Board of Directors and
sebagai pilar utama. Direksi berfokus pada pengelolaan the Board of Commissioners as the main pillars.
risiko secara menyeluruh melalui penyusunan kebijakan, The Board of Directors focuses on comprehensive
penerapan kerangka kerja, serta pengendalian aktivitas risk management through the formulation of policies,
operasional agar tetap berada dalam batas risiko yang the implementation of frameworks, and the control
wajar. Penyesuaian strategi juga dilakukan secara of operational activities to ensure they remain within
berkala untuk merespons dinamika kondisi internal acceptable risk limits. Strategic adjustments are also
maupun eksternal. carried out periodically in response to both internal and
external dynamics.
Di sisi lain, Dewan Komisaris memastikan fungsi Meanwhile, the Board of Commissioners ensures that
pengawasan dijalankan secara objektif dan the oversight function is performed objectively and
independen. Melalui dukungan Komite Pemantau Risiko, independently. With the support of the Risk Monitoring
Dewan Komisaris menelaah laporan manajemen, Committee, the Board of Commissioners reviews
mengevaluasi efektivitas pengendalian risiko, dan management reports, evaluates the effectiveness of risk
memberikan arahan strategis. Dengan sinergi tersebut, controls, and provides strategic guidance. Through this
proses manajemen risiko di Bank Capital dapat synergy, the risk management process at Bank Capital
berjalan konsisten, terintegrasi, serta mendukung operates consistently and in an integrated manner,
keberlangsungan usaha dalam jangka panjang. while supporting long-term business sustainability.
Pengelolaan Risiko dan Ketahanan Bisnis Risk Management and Business Resilience
Bank mulai melakukan penilaian atas risk event The Bank has begun conducting assessments of
terkait LST dan dampaknya terhadap pengungkapan ESG-related risk events and their impacts on financial
finansial dengan mengidentifikasi potensi risiko serta disclosures by identifying potential risks and their
pengaruhnya terhadap akun-akun keuangan. Berikut effects on financial accounts. The following presents
informasi penilaian awal prioritas risiko LST dan information on the initial assessment of priority ESG
pengaruhnya terhadap pengungkapan keuangan Bank: risks and their impact on the Bank’s financial disclosures:
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Laporan Keberlanjutan
Sustainability Report
Analisis Pengaruh
terhadap Pelaporan
Kategori Risiko Risiko Penanganan Risiko Akun yang Terpengaruh
Keuangan
Risk Category Risk Risk Mitigation Affected Accounts
Analysis of Impact on
Financial Reporting
Risiko operasional Risiko sistem, sumber • Meningkatkan tata kelola • Biaya pengembangan • Aset tidak berwujud.
daya manusia, proses keamanan data dan dan/atau pemeliharaan • Aset tetap.
internal, dan TI. keamanan siber. infrastruktur serta sistem • Beban administrasi dan
• Melaksanakan pelatihan TI. umum.
Dampak aspek LST: serta sertifikasi bagi • Biaya sertifikasi ISO 27001 • Akun biaya pelatihan atau
tata kelola dan sosial. pekerja di bidang TI. untuk sistem manajemen sertifikasi.
• Melaksanakan penetration keamanan informasi.
testing dan audit • Biaya penanganan atas
keamanan dengan standar pengaduan terkait
yang lebih ketat. kebocoran data.
• Mengelola dan menyimpan
aset, termasuk pusat data
(data center).
• Melaksanakan simulasi
insiden siber secara rutin.
Operational risk System, human • Enhancing data security • Costs for the development • Intangible assets.
resources, internal governance and cyber and/or maintenance of • Fixed assets.
process, and IT risks. security. IT infrastructure and • General and
• Conducting training and systems. administrative expenses.
ESG impact: certification for employees • Costs for ISO 27001 • Training or certification
governance and social in the IT field. certification for the expense accounts.
aspects. • Performing penetration information security
testing and security audits management system.
with stricter standards. • Costs incurred in handling
• Managing and complaints related to data
safeguarding assets, breaches.
including the data center.
• Conducting regular cyber
incident simulations.
Risiko kredit Risiko kredit. • Menerapkan • Potensi terjadinya kredit • Kredit yang diberikan.
Environmental and macet atau bermasalah • Pendapatan bunga.
Dampak aspek Social Risk Management akibat usaha debitur yang • Beban operasional
LST: tata kelola dan (ESRM) dalam kegiatan terdampak risiko iklim. lainnya.
lingkungan. pembiayaan. • Peningkatan pencadangan • Biaya pelatihan.
• Mengembangkan, untuk mengantisipasi
meninjau, dan tingginya rasio kredit
memperbarui kebijakan bermasalah.
internal terkait • Biaya yang timbul untuk
pengelolaan lingkungan pelatihan terkait topik
serta green financing ESG dan keberlanjutan.
yang sejalan dengan • Risiko reputasi akibat efek
ketentuan regulator. domino dari debitur yang
• Melaksanakan pelatihan melanggar ketentuan
berkelanjutan mengenai lingkungan dan sosial,
implementasi keuangan sehingga menimbulkan
berkelanjutan. biaya penanganan kasus
• Meningkatkan monitoring terkait.
terhadap portofolio
kredit dan kegiatan usaha
debitur.
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Analisis Pengaruh
terhadap Pelaporan
Kategori Risiko Risiko Penanganan Risiko Akun yang Terpengaruh
Keuangan
Risk Category Risk Risk Mitigation Affected Accounts
Analysis of Impact on
Financial Reporting
Credit risk Credit risk. • Implementing • Potential occurrence • Loans extended.
Environmental and Social of non-performing or • Interest income.
Risk Management (ESRM) problem loans arising • Other operating
ESG impact: in financing activities. from debtors’ businesses expenses.
governance and • Developing, reviewing, affected by climate risks. • Training expenses.
environmental and updating internal • Increased provisioning
aspects. policies related to anticipate higher non-
to environmental performing loan ratios.
management and green • Costs incurred for training
financing in line with related to ESG and
regulatory requirements. sustainability topics.
• Conducting ongoing • Reputational risk resulting
training on the from spillover effects
implementation of of debtors’ violations of
sustainable finance. environmental and social
• Enhancing monitoring provisions, leading to case
of the credit portfolio handling costs.
and debtors’ business
activities.
Risiko strategis Perubahan kebijakan • Mempelajari perubahan Biaya sosialisasi dan • Beban umum dan
untuk perusahaan kebijakan beserta implementasi untuk administrasi.
publik dan sektor dampaknya terhadap penerapan kebijakan yang • Beban operasional
perbankan di perusahaan. baru. lainnya.
Indonesia. • Melaksanakan dialog • Beban lain-lain.
dengan regulator
Dampak aspek LST: mengenai kebijakan dan
tata kelola, sosial, dan peraturan terkini.
lingkungan. • Mengembangkan
kebijakan dan infrastruktur
internal, termasuk sistem
manajemen risiko, sistem
informasi, serta sistem
pengendalian internal.
• Mengimplementasikan
kebijakan baru sesuai
dengan jadwal yang
ditetapkan oleh regulator.
Strategic risk Changes in policies • Monitoring policy Costs related to • General and
affecting public changes and assessing the socialization and administrative expenses.
companies and their impacts on the Bank. implementation of new • Other operating
the banking sector in • Engaging in dialogue policies. expenses.
Indonesia. with regulators regarding • Other expenses.
prevailing policies and
ESG impact: regulations.
governance, social, • Developing internal
and environmental. policies and
infrastructure, including
risk management systems,
information systems, and
internal control systems.
• Implementing new
policies in accordance
with the timelines
stipulated by regulators.
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Laporan Keberlanjutan
Sustainability Report
Analisis Pengaruh
terhadap Pelaporan
Kategori Risiko Risiko Penanganan Risiko Akun yang Terpengaruh
Keuangan
Risk Category Risk Risk Mitigation Affected Accounts
Analysis of Impact on
Financial Reporting
Risiko pasar Risiko nilai tukar dan • Melakukan diversifikasi • Perhitungan dan • Modal/ekuitas.
suku bunga. portofolio, baik aset pelaporan Kewajiban • Laba/rugi.
maupun geografis, guna Penyediaan Modal • Selisih kurs.
Dampak aspek LST: memitigasi dampak risiko. Minimum (KPMM). • Aset likuid.
tata kelola. • Melaksanakan • Transaksi perbankan • Akun lainnya yang
pengelolaan risiko kredit. dalam mata uang asing terdampak transaksi
• Mengelola portofolio yang menimbulkan pasar.
trading book yang keuntungan dan/atau
terekspos terhadap risiko kerugian selisih kurs.
suku bunga.
• Melakukan pengukuran
risiko suku bunga pada
banking book.
Market risk Foreign exchange and • Diversifying the portfolio, • Calculation and reporting • Capital/equity.
interest rate risk. both in terms of assets of the Minimum Capital • Profit/loss.
and geographical Adequacy Requirement • Foreign exchange
ESG impact: exposure, to mitigate risk (KPMM). differences.
governance. impacts. • Banking transactions • Liquid assets.
• Implementing credit risk in foreign currencies • Other accounts affected
management. resulting in foreign by market transactions.
• Managing the trading exchange gains and/or
book portfolio exposed to losses.
interest rate risk.
• Measuring interest rate
risk in the banking book.
Perubahan yang Bersifat Significant Change [POJK C.6]
Signifikan [POJK C.6]
Pada tahun 2025, Bank membuka Kantor Cabang di In 2025, the Bank opening Branch Offices in Palembang
Palembang dan Makassar. and Makassar.
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Keberlanjutan Aspek Sosial
Social Aspect Sustainability
Menghadirkan Produk dan Jasa yang Unggul Delivering Excellent Products and Services
Komitmen untuk Memberikan Layanan atas Commitment to Provide Equal Products and/or
Produk dan/atau Jasa yang Setara kepada Services to Customers [POJK F.17]
Nasabah [POJK F.17]
Bank Capital senantiasa menjaga kualitas layanan Bank Capital consistently maintains service quality by
dengan memastikan seluruh nasabah memperoleh ensuring that all customers receive equal treatment
perlakuan yang setara dalam mengakses produk in accessing products and services. To this end,
maupun jasa. Untuk itu, Bank telah menyusun kebijakan the Bank has established complaint handling policies
dan prosedur penanganan pengaduan yang berfungsi and procedures that serve as operational guidelines for
sebagai panduan operasional bagi seluruh petugas all officers in receiving, following up on, and resolving
dalam menerima, menindaklanjuti, dan menyelesaikan complaints in a fair, professional, and timely manner.
keluhan secara adil, profesional, serta tepat waktu.
Selain itu, Bank menyediakan berbagai kanal komunikasi In addition, the Bank provides various easily
yang mudah dijangkau, mulai dari call center, situs web, accessible communication channels, including a call
media sosial, hingga publikasi informasi melalui brosur center, website, social media, as well as information
dan kegiatan resmi lainnya. Dengan adanya sarana yang dissemination through brochures and other official
beragam ini, nasabah dapat menyampaikan kebutuhan activities. Through these diverse channels, customers
maupun permasalahan secara transparan, sementara can transparently convey their needs or concerns, while
Bank dapat memastikan tindak lanjut yang efektif serta the Bank can ensure effective follow-up and prevent
mencegah munculnya persepsi negatif. the emergence of negative perceptions.
Melalui pendekatan tersebut, Bank Capital menegaskan Through this approach, Bank Capital reinforces its
perannya sebagai lembaga keuangan yang tidak role as a financial institution that not only prioritizes
hanya mengutamakan kepuasan nasabah, tetapi juga customer satisfaction, but also upholds service equality
menjadikan kesetaraan layanan sebagai bagian penting as an integral part of its sustainable business practices.
dari praktik bisnis yang berkelanjutan.
Inovasi dan Pengembangan Produk dan/atau Innovation and Development of Sustainable
Jasa Keuangan Berkelanjutan [POJK F.26] Finance Products and/or Services [POJK F.26]
Bank Capital berkomitmen untuk menghadirkan produk Bank Capital is committed to providing financial products
dan layanan keuangan yang selaras dengan prinsip LST. and services that are aligned with ESG principles. This
Upaya ini dilakukan melalui pengembangan inovasi commitment is realized through the development
berbasis digital yang tidak hanya memperkuat daya saing, of digital-based innovations that not only enhance
tetapi juga mendukung pencapaian tujuan keuangan competitiveness, but also support the achievement of
berkelanjutan. Sejalan dengan strategi tersebut, Bank sustainable finance objectives. In line with this strategy,
telah merancang sejumlah aplikasi dan layanan digital the Bank has designed a number of digital applications
yang diuraikan sebagai berikut: and services, as outlined as follows:
1. Capital Flex, yaitu mobile banking dengan berbagai 1. Capital Flex, a mobile banking with various features,
fitur, seperti registrasi online, customer on boarding, including online registration, customer on boarding,
BI-FAST, top up e-wallet, pembayaran tagihan, BI-FAST, e-wallet top up, bill payments, virtual
layanan virtual account, QRIS, dan lainnya; dan account services, QRIS, and others; and
2. New Capital Business Net (New CBN), yaitu internet 2. New Capital Business Net (New CBN), an internet
banking untuk mendukung transaksi bisnis. banking service to support business transaction.
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Laporan Keberlanjutan
Sustainability Report
Produk dan/atau Jasa yang Sudah Dievaluasi Product and/or Services that Have Been
Keamanannya bagi Nasabah [POJK F.27] Evaluated for Safety for Customers [POJK F.27]
Bank Capital berfokus pada penyediaan produk dan Bank Capital focuses on providing products and
layanan yang tidak hanya inovatif, tetapi juga aman dan services that are not only innovative, but also secure and
sesuai standar. Setiap inisiatif pengembangan melewati compliant with applicable standards. Each development
proses telaah menyeluruh, mulai dari uji kelayakan, initiative undergoes a comprehensive review process,
pemantauan, hingga evaluasi internal oleh tim yang starting from feasibility testing, monitoring, to internal
berkompeten. evaluation by competent teams.
Sebelum diluncurkan kepada nasabah, rencana Prior to being launched to customers, product plans
produk terlebih dahulu dimasukkan ke dalam RBB are first incorporated into RBB and submitted to
serta disampaikan kepada Otoritas Jasa Keuangan the Financial Services Authority to obtain approval
untuk memperoleh persetujuan sesuai ketentuan yang in accordance with prevailing regulations. All
berlaku. Seluruh produk dan layanan yang dihadirkan products and services offered are also ensured
juga dipastikan memenuhi standar regulasi dari Otoritas to comply with regulatory standards set by both
Jasa Keuangan maupun Bank Indonesia. the Financial Services Authority and Bank Indonesia.
Melalui mekanisme yang terstruktur dan pengawasan Through structured mechanisms and strict oversight,
ketat, Bank Capital menjamin bahwa 100% produk Bank Capital ensures that 100% of the products and
dan layanan yang ditawarkan telah diuji keamanannya services offered have undergone security testing,
sehingga dapat memberikan perlindungan serta nilai thereby providing protection and added value to
tambah bagi nasabah. customers.
Dampak Produk dan/atau Impact of Banking Products and/or
Jasa Perbankan [POJK F.28] Services [POJK F.28]
Bank Capital menghadirkan beragam produk dan layanan Bank Capital offers a wide range of financial products
keuangan yang disesuaikan dengan kebutuhan nasabah and services tailored to customer needs while
serta mendukung aktivitas ekonomi masyarakat. Melalui supporting community economic activities. Through
fasilitas pembiayaan usaha, sarana menabung, dan business financing facilities, savings instruments,
instrumen investasi yang terpercaya, Bank berperan and reliable investment products, the Bank serves as
sebagai mitra strategis dalam memperkuat pertumbuhan a strategic partner in strengthening national economic
ekonomi nasional. growth.
Di sisi lain, Bank turut memastikan bahwa seluruh At the same time, the Bank ensures that all financing
kegiatan pembiayaan dikelola secara bertanggung activities are managed responsibly by taking into
jawab dengan memperhatikan risiko sosial maupun account social and environmental risks. Potential issues,
lingkungan. Potensi isu, seperti pelanggaran hak pekerja, such as violations of workers’ rights, non-compliant labor
praktik ketenagakerjaan yang tidak sesuai aturan, practices, deforestation, and the impacts of climate
deforestasi, hingga dampak perubahan iklim diantisipasi change are anticipated through the implementation of
melalui penerapan kebijakan ketat. Persyaratan kredit, strict policies. Credit requirements, on-site monitoring,
pemantauan lapangan, serta kewajiban penyusunan and the obligation to prepare AMDAL documents
dokumen AMDAL menjadi langkah penting agar constitute key measures to ensure that all Bank services
setiap layanan Bank berjalan selaras dengan prinsip are aligned with sustainability principles.
keberlanjutan.
Jumlah Produk yang Ditarik Kembali [POJK F.29] Total Products Recalled [POJK F.29]
Sepanjang tahun 2025, seluruh produk dan layanan Throughout 2025, all Bank Capital’s products and services
Bank Capital tetap beroperasi sesuai dengan ketentuan continued to operate in compliance with applicable
yang berlaku (100% telah dievaluasi keamanannya bagi regulations (100% evaluated for safety for customers).
nasabah). Tidak terdapat produk maupun jasa yang There were no products or services withdrawn from
ditarik kembali dari peredaran oleh otoritas regulator, circulation by the regulatory authorities, reflecting
sehingga mencerminkan kepatuhan Bank terhadap the Bank’s adherence to prevailing quality standards and
standar kualitas dan regulasi yang berlaku. regulatory requirements.
2025 Annual Report | PT Bank Capital Indonesia Tbk 323
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Program Peningkatan Kualitas Layanan Service Quality Improvement Program
Bank Capital senantiasa berupaya menjaga dan Bank Capital consistently strives to maintain and
meningkatkan mutu pelayanan kepada nasabah melalui enhance the quality of customer service through various
berbagai inisiatif strategis. Untuk itu, Bank merancang strategic initiatives. To this end, the Bank has designed
sejumlah program peningkatan kualitas layanan yang a number of service quality improvement programs that
mencakup: include:
Bank Capital memberikan layanan terbaik kepada Bank Capital provides the best services to
nasabah dengan menjaga standar kualitas yang customers by maintaining quality standards
telah diakui secara internasional melalui Sertifikat that are internationally recognized through
ISO 9001:2015 untuk Sistem Manajemen Mutu. the ISO 9001:2015 Certification for Quality
Bank melaksanakan program pelatihan rutin Management Systems. The Bank conducts
Service Level Agreement
yang dirancang khusus untuk petugas frontliners regular training programs specifically designed
dan bagian terkait lainnya untuk meningkatkan for frontliners and other related units to enhance
kompetensi SDM dan menguatkan budaya kerja human resource competencies and strengthen
yang profesional dalam menangani pengaduan a professional work culture in handling customer
nasabah. complaints.
Bank Capital senantiasa menjalankan kegiatan Bank Capital consistently carries out its
operasional dengan mengacu pada SOP yang operational activities based on SOP aligned with
sejalan dengan prinsip-prinsip GCG. Pada tahun the principles of GCG. In 2025, the Bank focused
2025, Bank berfokus pada peningkatan efisiensi on improving work efficiency and effectiveness
dan efektivitas kerja melalui penyempurnaan through the refinement of SOPs covering
SOP yang mencakup proses operasional operational processes and product development.
Standard Operating dan pengembangan produk. Bank juga aktif The Bank also actively educates employees
Procedure (SOP) mengedukasi karyawan melalui program through ongoing socialization programs to instill
sosialisasi yang berkelanjutan untuk menanamkan a work culture that adheres to regulations, is
budaya kerja yang patuh terhadap peraturan, disciplined, and performance-oriented, while
disiplin, dan berorientasi pada kinerja unggul, ensuring a deep understanding of internal policies
sekaligus memastikan pemahaman mendalam and banking industry regulations.
terhadap kebijakan internal dan regulasi industri
perbankan.
Bank Capital terus meningkatkan pengelolaan Bank Capital continuously improves operational
risiko operasional dengan menerapkan risk management by implementing process
langkah-langkah mitigasi kesalahan proses dan error mitigation measures and strengthening
memperkuat fungsi pengawasan. Melalui Branch supervision functions. Through Branch Control
Control Operation, Bank secara rutin melakukan Operation, the Bank regularly conducts
pemeriksaan terhadap aktivitas operasional harian inspections of daily operational activities to
untuk memastikan kepatuhan dan kelancaran ensure compliance and smooth processes.
Built in Control proses. Selain itu, mekanisme check-and-balance Furthermore, a check-and-balance mechanism
diterapkan pada setiap tahapan operasional, baik is applied at each operational stage, both at
di awal maupun akhir hari, guna memastikan the beginning and end of the day, to ensure accuracy,
akurasi, efisiensi, dan pengendalian yang optimal. efficiency, and optimal control. These measures
Langkah-langkah ini dirancang untuk mendukung are designed to support the achievement of
tercapainya standar kerja tanpa cacat (zero a zero-defect work standard to maintain service
defect) demi menjaga kualitas layanan dan quality and customer trust.
kepercayaan nasabah.
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Laporan Keberlanjutan
Sustainability Report
Bank Capital menempatkan kepuasan nasabah Bank Capital prioritizes customer satisfaction
sebagai prioritas utama untuk memperkuat to strengthen its positive reputation in
reputasi positif di masyarakat. Untuk itu, Bank the community. To achieve this, the Bank has
telah merancang sistem yang terintegrasi dengan designed an integrated system with customer
profil nasabah, memungkinkan petugas frontline profiles, enabling frontline staff to deliver
memberikan layanan perbankan yang berkualitas high-quality banking services tailored to
dan sesuai dengan kebutuhan spesifik setiap the specific needs of each customer. Therefore,
nasabah. Oleh karenanya, Bank juga melaksanakan the Bank also implements various training and
berbagai program pelatihan dan pengembangan development programs focused on enhancing
yang berfokus pada peningkatan layanan prima, service excellence, including:
termasuk:
• Pengembangan kemampuan layanan prima • Development of service excellence skills
Layanan Prima
bagi frontliners dan Supervisors yang bertujuan for front-line staff and Supervisors, aimed
Excellent Services
untuk membentuk sikap yang positif dalam at fostering a positive attitude in providing
memberikan kualitas layanan prima kepada top-quality service to customers.
nasabah.
• Pelatihan refreshment (online test) secara • Periodic refresher training (online tests) and
periodik dan sertifikasi bagi frontline untuk certification for front-line staff to enhance
meningkatkan kualitas pelayanan dan product service quality and product knowledge.
knowledge.
• Pelatihan complaint handling and reporting • Complaint handling and reporting training for
bagi frontline yang bertujuan untuk front-line staff, aimed at improving their ability
meningkatkan kemampuan frontline dalam to address and resolve customer complaints in
mengatasi dan menyelesaikan keluhan nasabah banking transactions.
dalam transaksi perbankan.
Survei Kepuasan Nasabah [POJK F.30] Customer Satisfaction Survey [POJK F.30]
Bank melakukan survei kepuasan nasabah sebagai The Bank conducts customer satisfaction surveys as
sarana evaluasi atas kualitas produk dan layanan yang a means of evaluating the quality of its products and
diberikan. Temuan dari pengukuran tersebut menjadi services. The findings from these assessments serve
acuan penting bagi Bank dalam melakukan perbaikan as an important reference for the Bank in carrying out
dan pengembangan berkelanjutan, sehingga layanan continuous improvements and development, ensuring
yang dihadirkan senantiasa sesuai dengan kebutuhan that the services provided consistently meet customers’
serta harapan nasabah. needs and expectations.
Keamanan Simpanan dan Kerahasiaan Safety of Deposits and Confidentiality
Data Nasabah of Customer Data
Bank Capital menempatkan aspek perlindungan nasabah Bank Capital places customer protection as a top priority,
sebagai prioritas utama, baik dari sisi keamanan dana both in terms of safeguarding funds and maintaining
maupun kerahasiaan data pribadi. Seluruh simpanan the confidentiality of personal data. All customer
nasabah dijamin melalui skema penjaminan resmi, deposits are guaranteed under an official deposit
sementara pengelolaan informasi dilakukan dengan insurance scheme, while information management is
standar keamanan tinggi dan kepatuhan penuh terhadap conducted in accordance with high security standards
regulasi perbankan yang berlaku. Jaminan keamanan and full compliance with applicable banking regulations.
simpanan dan kerahasiaan data nasabah tersebut The guarantees for the security of customer deposits
mengacu pada regulasi berikut: and the confidentiality of customer data refer to
the following regulations:
1. Undang-Undang Nomor 7 Tahun 1992 tentang 1. Law Number 7 of 1992 on Banking, and its
Perbankan, dan perubahannya dalam Undang- amendment in Law Number 10 of 1998;
Undang Nomor 10 Tahun 1998;
2. Undang-Undang Nomor 4 Tahun 2023 tentang 2. Law Number 4 of 2023 on Development and
Pengembangan dan Penguatan Sektor Keuangan; Strengthening of Financial Sector;
3. Peraturan Otoritas Jasa Keuangan Nomor 44 3. Financial Services Authority Regulation Number 44
Tahun 2024 tentang Rahasia Bank; of 2024 on Bank Secrecy;
4. Peraturan Bank Indonesia Nomor 2/19/PBI/2000 4. Bank Indonesia Regulation Number 2/19/PBI/2000
tentang Persyaratan dan Tata Cara Pemberian on Requirements and Procedure to Give Written
Perintah atau Izin Tertulis Membuka Rahasia Bank; Order or Permission to Reveal Bank Secret; and
dan
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5. Peraturan Otoritas Jasa Keuangan 5. Financial Services Authority Regulation Number
Nomor 6/POJK.07/2022 Tahun 2022 tentang 6/POJK.07/2022 of 2022 on Consumer and Public
Perlindungan Konsumen dan Masyarakat di Sektor Protection in the Financial Services Sector, and its
Jasa Keuangan, dan peraturan turunannya. implementing regulations.
Bank juga berkomitmen menjaga keamanan simpanan The Bank is also committed to safeguarding deposit
serta kerahasiaan data nasabah melalui penerapan security and maintaining the confidentiality of customer
pengendalian TI yang memadai dan berlapis. Pengelolaan data through the implementation of adequate and
keamanan TI dilakukan secara terstruktur dengan layered IT controls. IT security management is carried
mengacu pada ketentuan regulator yang berlaku, out in a structured manner by referring to applicable
termasuk prinsip kehati-hatian dan perlindungan data regulatory provisions, including the principles of
nasabah, guna mencegah akses tidak sah, kebocoran prudence and customer data protection, to prevent
informasi, serta gangguan terhadap sistem perbankan. unauthorized access, information leakage, and
Selain itu, Bank memberikan pelatihan terkait keamanan disruptions to banking systems. In addition, the Bank
data dan siber kepada karyawan. Pada tahun 2025, provides data and cyber security training to employees.
materi pelatihan meliputi: In 2025, the training materials were as follows:
1. Belajar Dasar Keamanan Siber untuk Menjadi 1. Fundamentals of Cybersecurity for Aspiring Security
Spesialis Keamanan; Specialist;
2. Capacity Building Perlindungan Konsumen dalam 2. Capacity Building on Consumer Protection to
rangka Mendukung Stabilitas dan Keamanan Support Banking Stability and Security;
Perbankan;
3. Focus Group Discussion Keamanan Informasi Sistem 3. Focus Group Discussion on Information System
Informasi dan Keamanan Siber; Security and Cybersecurity;
4. Kegiatan Sharing Informasi Risiko Operasional 4. Information Sharing Event on IT Operations and
TI dan Siber pada Periode Libur-Libur Hari Besar Cyber Risks during Early September National
Keagamaan Nasional Awal September; Religious Holidays;
5. Kejahatan Siber - Ancaman dan Solusi Keamanan 5. Cybercrime - Cybersecurity Threats and Solutions;
Siber;
6. Kejahatan Siber pada Era Digital; 6. Cybercrime in the Digital Era;
7. Mitigasi Risiko Operasional Layanan SP, serta TI dan 7. Operational Risk Mitigation of SP Services, as well
Siber pada Periode Libur Panjang Natal dan Tahun as IT and Cyber during the Christmas and New Year
Baru 2025/2026; 2025/2026 Long Holidays;
8. Pertemuan User Group SP dan FMI BI - "SP FMI 8. User Group SP and FMI BI Meeting - "SP FMI S.A.T.U:
S.A.T.U: Sinergi, Aman, Tangguh, Unggul - Penguatan Synergy, Secure, Resilient, Excellent-Strengthening
Ketahanan dan Keamanan Siber dalam rangka Cyber Resilience and Security to Enhance Reliability
Peningkatan Keandalan dan Kelancaran SP FMI"; and Smooth Running of SP FMI";
9. Sharing Informasi Ancaman Siber Sektor Keuangan 9. Information Sharing Event on Cyber Threats in
dan Diskusi Rencana Kegiatan serta Mekanisme the Financial Sector and Discussion on Activity Plan
Media Komunikasi Forum Chief Information Security and Communication Media Mechanism of the Chief
Officer (CISO) Sektor Keuangan; dan Information Security Officer (CISO) of the Financial
Sector; and
10. Workshop Tanggap Insiden Siber. 10. Cyber Incident Response Workshop.
Sarana Pengaduan Nasabah Customer Complaints Facility
Dalam pelaksanaan kegiatan usaha perbankan wajib In carrying out its banking business activities, the Bank
menjaga hak-hak nasabah agar dapat terlaksana dengan is required to safeguard its customers’ rights to ensure
baik sehingga tidak menimbulkan gesekan antara proper execution, without any potential disputes
nasabah dan Bank yang ditunjukkan dengan adanya between customers and Bank, as indicated by existing
pengaduan nasabah. Apabila pengaduan nasabah tidak customer complaints. If customer complaints are not
dapat diselesaikan dengan baik oleh Bank Capital, maka properly resolved by Bank Capital, they may potentially
berpotensi menimbulkan perselisihan atau sengketa lead to conflict or dispute that ultimately pose as
yang pada akhirnya menimbulkan risiko reputasi bagi a reputational risk for the Bank.
Bank.
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Pengaduan adalah: Complaints are:
1. Pengaduan berindikasi sengketa: Ungkapan 1. Complaints indicating dispute: Expressions of
ketidakpuasan nasabah yang disebabkan oleh customer dissatisfaction due to actual and/or
adanya kerugian dan/atau potensi kerugian materi, potential, reasonable financial losses and directly
wajar, dan secara langsung pada nasabah, karena experienced by customer, due to Bank’s failure to
Bank tidak memenuhi perjanjian dan/atau dokumen fulfilled agreements and/or documents related to
pemanfaatan produk dan/atau layanan yang telah the utilization of agreed products and/or services.
disepakati.
2. Pengaduan berindikasi pelanggaran: Penyampaian 2. Complaints indicating violation: Information
informasi oleh nasabah dan/atau masyarakat submitted by customers and/or the public on alleged
atas indikasi pelanggaran ketentuan peraturan violation of laws and regulations in the banking
perundang-undangan di sektor jasa keuangan yang sector conducted by the Bank.
dilakukan oleh Bank.
Nasabah atau perwakilan nasabah (bertindak untuk dan The customer or customer’s representatives (acting for
atas nama nasabah berdasarkan surat kuasa khusus and on behalf of the customer based on a special power
dari nasabah) dapat mengajukan pengaduan di seluruh of attorney from the customer) may submit complaint in
kantor Bank dengan cara sebagai berikut: all of the Bank’s offices by following these procedures:
1. Pengaduan secara Lisan 1. Verbal Complaints
Pengaduan lisan merupakan pengaduan nasabah Verbal complaints are customer complaints
yang disampaikan secara lisan melalui: submitted verbally:
a. Telepon kepada Petugas Customer Service a. By phone to the Customer Service officer at
kantor Bank; dan the Bank’s office; and
b. Telepon kepada contact center Bank di nomor b. By phone to the Bank’s contact center
telepon 1500289. at 1500289.
Ketentuan penyampaian pengaduan secara lisan Requirements for verbal complaints submission are
sebagai berikut: as follows:
a. Disampaikan oleh nasabah sendiri: a. Submitted by the customer:
Dilengkapi dengan informasi identitas diri Completed with the customer’s identification
nasabah, antara lain nama lengkap nasabah, information, including full name of the customer,
nomor bukti identitas diri, alamat sesuai dokumen identification number, address as stated in the
identitas nasabah atau alamat tempat tinggal identification document or current residential
terkini nasabah (jika ada), jenis produk dan atau address (if applicable), type of financial product
layanan jasa keuangan yang digunakan, tanggal and/or service used, date of transaction/incident,
transaksi/kejadian serta permasalahan yang and details of the complaint.
diadukan.
b. Disampaikan oleh perwakilan nasabah: b. Submitted by the customer’s representatives:
Harus dilakukan secara tatap muka dan tertulis, Must be conducted face-to-face and in writing,
dengan menunjukkan bukti identitas diri by presenting the original identification of
perwakilan nasabah yang asli, fotokopi bukti the representative, a copy of customer’s
identitas diri nasabah, surat kuasa khusus identification, and an original special power
yang asli dari nasabah serta dilengkapi dengan of attorney from the customer as well as
informasi jenis produk dan atau layanan jasa information on the type of financial product
keuangan yang digunakan, tanggal transaksi/ and/or service used, date of transaction/
kejadian dan permasalahan yang diadukan. Dalam incident, and details of the complaint. In
pengaduan tertulis perwakilan nasabah mengisi the written form, the representative is required
dan menandatangani formulir pengaduan to complete and sign the customer complaint
nasabah. form.
Bank akan menangani dan menyelesaikan pengaduan The Bank will handle and resolve verbal complaints
secara lisan dalam waktu 5 hari kerja sejak pengaduan within 5 working days from the receipt of
diterima. Apabila Bank membutuhkan dokumen the complaint. If the Bank requires supporting
pendukung dalam pengaduan secara lisan, maka documents in verbal complaint, the Bank will request
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Bank meminta nasabah dan atau perwakilan nasabah the customer and/or customer representative
untuk menyampaikan pengaduan secara tertulis to submit a written complaints by attaching
dengan melampirkan dokumen pendukung yang the necessary supporting documents.
diperlukan.
2. Pengaduan secara Tertulis 2. Written Complaints
Pengaduan tertulis merupakan pengaduan nasabah Written complaints are customer complaints
yang disampaikan secara tertulis kepada Bank submitted in written to Bank Capital through:
Capital melalui:
a. Tatap muka secara langsung ke kantor Bank; a. Direct face-to-face meeting at the Bank’s office;
b. WhatsApp bisnis contact center Bank di nomor b. WhatsApp Business contact center of the Bank
081296128989; at 081296128989;
c. Surat elektronik (e-mail) contact center Bank c. Electronic mail (e-mail) the Bank’s contact center
dengan alamat call.center@bankcapital.co.id; at: call.center@bankcapital.co.id;
d. Faksimile ke kantor Bank; d. Facsimile to the Bank’s office;
e. Surat dalam amplop tertutup ke kantor Bank; dan e. Letter in a sealed envelope addressed to
the Bank’s office; and
f. Surat kabar. f. Newspaper.
Ketentuan penyampaian pengaduan secara tertulis Requirements for written complaints submission are
sebagai berikut: as follows:
a. Disampaikan oleh nasabah sendiri: a. Submitted by the customer:
Dilengkapi dengan menunjukkan bukti identitas Completed by presenting the original proof
diri nasabah yang asli dan dokumen pendukung of identity of the customer’s and the required
pengaduan yang diperlukan, informasi jenis complaint supporting documents, information
produk dan atau layanan jasa keuangan yang on the type of financial product and/or service
digunakan, tanggal transaksi/kejadian serta used, date of transaction/incident, and details of
permasalahan yang diadukan. Dalam pengaduan the complaint. In the written form, the customer
tertulis nasabah mengisi dan menandatangani filled out and signed the customer complaint
formulir pengaduan nasabah. form.
b. Disampaikan oleh perwakilan nasabah: b. Submitted by the customer’s representatives:
Dilengkapi dengan menunjukkan bukti identitas Completed by presenting the original
diri perwakilan nasabah yang asli, fotokopi bukti identification of customer’s representative,
identitas diri nasabah, surat kuasa khusus yang a copy of customer’s identification, an original
asli dari nasabah, informasi jenis produk dan atau special power of attorney from customer,
layanan jasa keuangan yang digunakan, tanggal information on the type of financial product
transaksi/kejadian dan permasalahan yang and/or service used, date of transaction/
diadukan. Dalam pengaduan tertulis perwakilan incident, and details of the complaint. In
nasabah mengisi dan menandatangani formulir the written form, the customer’s representative
pengaduan nasabah. filled out and signed the customer complaint
form.
Bank akan menangani dan menyelesaikan The bank will handle and resolve complaints in
pengaduan secara tertulis dalam waktu 10 hari kerja writing within 10 working days from the complaint
sejak dokumen-dokumen pendukung pengaduan supporting documents are received in full. In
diterima secara lengkap. Dalam hal terdapat kondisi the event of condition of the complaint submitted
pengaduan yang disampaikan oleh nasabah dan/atau by the customers and/or customer’s representative
perwakilan nasabah memerlukan penelitian khusus require special examination on the Bank’s
terhadap dokumen Bank dan/atau terdapat hal-hal document and/or if there any other factors beyond
lain yang berada di luar kendali Bank, maka Bank the Bank’s control, the Bank may extend the period at
dapat memperpanjang jangka waktu paling lama a maximum for the next 10 working days since
10 hari kerja berikutnya sejak berakhirnya jangka the end of the previous 10 working days.
waktu 10 hari kerja yang sebelumnya.
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Mekanisme Layanan Pengaduan Nasabah
Customer Complaint Service Mechanism
ALUR PENGADUAN LISAN
FLOW OF VERBAL COMPLAINTS
Nasabah
Customer
Petugas Customer Service/Contact Center
Menyampaikan pengaduan lisan. • Menerima dan mencatat pengaduan
Submit verbal complaint. (tanggal dan waktu kejadian; permasalahan).
• Memberikan penjelasan prosedur singkat layanan pengaduan.
• Verifikasi kebenaran informasi nasabah (menghubungi
kembali nomor nasabah yang terdaftar di Bank Capital dengan
mengajukan beberapa pertanyaan mandatori).
Customer Service/Contact Center Officer
• Receive and record complaints
(date and time of incident; issue).
• Provide a brief explanation of complaint service procedures.
• Verify the accuracy of customer information (call back
the customer’s registered number at Bank Capital by asking
several mandatory questions).
Menerima Konfirmasi:
• Nomor registrasi pengaduan.
• Tanggal penerimaan pengaduan.
Menyampaikan konfirmasi penerimaan
Receive Confirmation: pengaduan.
• Complaint registration number Submit confirmation of complaint
• Date of complaint receipt. receipt.
Bank Capital TIDAK MELAYANI pengaduan lisan yang
disampaikan wakil nasabah dan walk in customer. Penanganan pengaduan paling lama
5 hari kerja.
Bank Capital DOES NOT SERVE verbal complaints
Complaint handling maximum
submitted by customer representatives and walk-in
5 working days.
customers.
Menerima tanggapan penyelesaian Memberikan tanggapan penyelesaian
pengaduan. pengaduan dan dokumentasi.
Receive response on complaint Provide response on complaint
resolution. resolution and documentation.
2025 Annual Report | PT Bank Capital Indonesia Tbk 329
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ALUR PENGADUAN TERTULIS
WRITTEN COMPLAINT HANDLING FLOW
Nasabah/Perwakilan/WIC
Customer / Representative /WIC
Petugas Customer Service/Contact Center menerima pengaduan
• Menerima dan mencatat pengaduan (tanggal dan waktu
Menyampaikan pengaduan tertulis. kejadian; permasalahan).
Submitted a written complaint. • Memberikan penjelasan prosedur singkat layanan pengaduan.
• Meminta bukti identitas diri asli pelapor.
• Verifikasi kebenaran informasi pelapor (mandatori).
• Perwakilan nasabah: Surat kuasa asli nasabah; bukti identitas
Menerima formulir atau surel pengaduan diri asli penerima kuasa dan nasabah, nomor telepon yang
nasabah sebagai tanda terima: dapat dihubungi.
• Nomor registrasi pengaduan. The Customer Service/Contact Center officer received
• Tanggal penerimaan pengaduan. the complaint
• Nomor telepon/surel/kanal komunikasi Bank • Received and recorded the complaint (date and time of
Capital yang dapat dihubungi. incident; the issue).
Received a form or an email of customer • Give brief explanation about the complaint handling service.
complaint as a receipt, containing: • Request an original proof of identity from the complainant.
• Complaint registration number. • Verified the accuracy of the complainant’s information
• Complaint receipt date. (mandatory).
• Bank Capital Contact Details (phone / • Customer’s representative: Original power of attorney from the
email/other communication channels). customer; original proof of identification of the representative
and the customer, phone number to be contacted.
Menerima tanggapan penyelesaian Penanganan pengaduan paling lama
pengaduan. 10 hari kerja sejak dokumen diterima.
Receive the complaint resolution Complaint is processed for a maximum
response. of 10 working days since the receipt of
documents.
Menerima pemberitahuan perpanjangan Memberikan tanggapan pengaduan dan
jangka waktu penyelesaian pengaduan. dokumentasi.
Receive notification of extension of Provide response to the complaint and
complaint handling period. documentation.
Kondisi tertentu: Perpanjangan jangka
waktu penanganan pengaduan maksimum
10 hari kerja atau lebih.
Specific condition: Extension of complain
handling period for a maximum of 10
working days or more.
Menerima tanggapan penyelesaian Memberikan tanggapan penyelesaian
pengaduan. pengaduan dan dokumentasi.
Receive the complaint resolution Provide response to the complaint
response. resolution and documentation.
Syarat perpanjangan waktu pengaduan: Conditions for extension:
• Terdapat kendala komunikasi cabang penerima pengaduan • There is a communication constraints between the branch
dan cabang terjadi permasalahan. receiving the complaint and branch where the issue occurred.
• Permasalahan cukup kompleks dan memerlukan penelitian • The issue is quite complex and require special and in-dept
khusus dan mendalam terhadap dokumen, seperti kepolisian, documents examination, such as police, notary, and others.
notaris, dan lain sebagainya.
• Hal-hal di luar kendali Bank, seperti keterkaitan dengan • Things outside the Bank’s control, such as involving
merchant, switching yang bekerja sama dengan Bank. merchant, switching partner of the Bank.
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Realisasi penanganan pengaduan nasabah senantiasa The realization of customer complaint handling remains
menjadi perhatian Bank dalam meningkatkan kualitas a key focus for the Bank in improving service quality.
layanan. Data mengenai jumlah pengaduan yang Data on the number of complaints received over
diterima selama 3 tahun terakhir sebagai berikut: the past 3 years are as follows:
2025 2024 2023
Jenis Transaksi
Keuangan Sedang
Jumlah Jumlah Jumlah
Ditindak-
Type of Financial Keluhan Selesai Keluhan Selesai Keluhan Selesai
lanjuti
Transaction Total Completed Total Completed Total Completed
On Follow-
Complaints Complaints Complaints
Up
Giro
11 11 - 1 1 518 518
Current Accounts
Tabungan
41 40 1* 4 4 4.161 4.161
Savings
Deposito
- - - - - 26 26
Time Deposits
Kartu ATM/Debit
150 150 - 240 240 3.181 3.181
ATM/Debit Card
Electronic Banking
(Mobile Banking & 198 194 4* 134 134 2.090 2.090
Internet Banking)
Bilyet Giro
- - - - - 1 1
Clearing Account
RTGS 1 1 -
Sistem Pembayaran
Lainnya 1 1
Other Payment System
Kredit/Pembiayaan
104 93 11* 3 3 1 1
Credit/Financing
Safe Deposit Box - - - - - 1 1
Jumlah
506 490 16* 382 382 9.979 9.979
Total
* Status pengaduan dalam proses sudah diselesaikan pada Januari 2026. / Complaint status in process has been resolved in January 2026.
Pengelolaan SDM yang Bertanggung Jawab Responsible HR Management
Bank Capital menempatkan Sumber Daya Manusia Bank Capital places Human Resources (HR) as a key
(SDM) sebagai pilar utama keberhasilan usaha. Untuk pillar of business success. Accordingly, the Bank
itu, Bank menerapkan pengelolaan SDM terpadu yang implements an integrated HR management system
mencakup perekrutan, pengembangan, dan peningkatan covering recruitment, development, and competency
kompetensi agar karyawan memiliki produktivitas, enhancement to ensure employees possess high
keterampilan, serta integritas tinggi. Sistem pengelolaan productivity, skills, and integrity. This HR management
SDM tersebut dijalankan melalui program sebagai system is implemented through the following programs:
berikut:
1. Pemenuhan kebutuhan SDM seiring dengan 1. Fulfillment of HR needs in line with business needs.
kebutuhan bisnis. Bank telah melakukan sistem The Bank has implemented an organized recruitment
rekrutmen yang terpola dalam mencari tenaga system in seeking skilled and experienced personnel
terampil dan berpengalaman di industri yang sama in the same industry based on the Bank’s needs;
sesuai dengan kebutuhan Bank;
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2. Bank telah menyiapkan berbagai program pendidikan 2. The Bank has prepared various education and training dan pelatihan melalui serangkaian program pelatihan programs through a series of training programs that yang dapat memfasilitasi kualitas SDM, baik bagi can facilitate the quality of HR, both for the newly karyawan yang baru bergabung maupun karyawan joined employees and existing employees, so that yang sudah ada, sehingga setiap karyawan memiliki each employee has the competencies needed kompetensi yang dibutuhkan sesuai dengan according to their respective fields; bidangnya masing-masing; 3. Manajemen secara berkesinambungan menerapkan 3. Management continuously implements and dan memperbaiki seluruh tahapan dalam proses improves all stages of the employee performance penilaian kinerja karyawan. Hal ini mencakup appraisal process. This includes the formulation of penyusunan indikator kinerja utama dan pembinaan key performance indicators and periodic coaching periodik untuk memantau pencapaian target to monitor the achievement of work targets. kerja. Penilaian kinerja dilakukan secara rutin dan Performance evaluations are conducted regularly konsisten dengan menggunakan parameter terukur and consistently using measurable and objective dan objektif, yaitu Indikator Kinerja Utama (Key parameters, namely the Key Performance Indicators Performance Indicator/KPI); dan (KPI); and 4. Program pengembangan karier Bank bertujuan 4. Bank’s career development program is aimed to meningkatkan efektivitas karyawan agar dapat improve effectiveness of employee’ to provide memberikan kontribusi terbaik dalam mencapai the best contribution in realizing organizational tujuan organisasi. Bank membuka peluang karier goals. The Bank opens up career opportunities bagi karyawan yang berkinerja baik melalui evaluasi for employees who perform well through midyear tengah tahun, diskusi, dan coaching internal. evaluations, discussions, and internal coaching. Promosi yang diberikan kepada karyawan didasarkan Employee promotions are given based on pada kompetensi, kebutuhan, dan penilaian eksternal the competencies, needs, and objective external yang objektif, hasil kinerja, kompetensi, dan potensi assessments, performance results, competencies, karyawan. and employee potential. Rekrutmen Recruitment Bank mengelola talenta, mencakup seluruh tahapan dari The Bank manages talents across all stages, from rekrutmen hingga akhir masa kerja karyawan. Akuisisi recruitment to the end of employment. Talent talenta dilakukan melalui beberapa program, di antaranya acquisition is carried out through several programs, program pendidikan khusus, seperti Basic Operational including special educational program, such as Basic Program (BOP), Frontliner Development Program Operational Program (BOP), Frontliner Development (FDP), dan Supervisor Development Program (SDP), Program (FDP), and Supervisor Development dan program rekrutmen lainnya (situs web: https:// Program (SDP), as well as other recruitment programs www.bankcapital.co.id/id/karir). Pendekatan ini bertujuan (website: https://www.bankcapital.co.id/id/karir). This untuk membentuk pekerja mulai dari entry level hingga approach aims to develop employees from entry level to jenjang pemimpin di perusahaan. Rekrutmen dilakukan leadership positions within the company. Recruitment berdasarkan kebutuhan posisi dan kesesuaian calon is conducted based on position requirements and pekerja dengan Nilai-Nilai Budaya Bank. Sepanjang the suitability of candidates with the Bank’s cultural tahun 2025, Bank telah merekrut 82 karyawan pria dan values. Throughout 2025, The Bank recruited 82 male 95 karyawan wanita melalui proses rekrutmen yang employees and 95 female employees through an objektif dan transparan. objective and transparent recruitment process. Kesetaraan Kesempatan Bekerja dan Kesetaraan Equal Employment Opportunity and Gender Gender [POJK F.18] [S-01] [S-02] [S-07] [S-08] [S-09] Equality [POJK F.18] [S-01] [S-02] [S-07] [S-08] [S-09] Bank Capital membangun lingkungan kerja yang Bank Capital fosters a work environment that respects menghargai keberagaman dan menjunjung tinggi diversity and upholds the principles of Human Rights. prinsip Hak Asasi Manusia. Setiap karyawan diberikan All employees are provided with equal opportunities kesempatan yang setara untuk berkembang tanpa to develop, without discrimination based on any adanya diskriminasi berdasarkan latar belakang apa pun, background, including gender, age, religion, race, or termasuk gender, usia, agama, ras, maupun kondisi fisik. physical condition. 332 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Sebagai bagian dari upaya menciptakan kesetaraan, As part of its efforts to promote equality, the Bank
Bank mendorong peningkatan peran perempuan di encourages the increased participation of women
berbagai jenjang organisasi, termasuk posisi strategis across all organizational levels, including strategic
dan kepemimpinan. Bank juga menerapkan kebijakan and leadership positions. The Bank also implements
zero tolerance terhadap diskriminasi dan pelecehan a zero-tolerance policy toward discrimination and
seksual, yang dilengkapi dengan mekanisme pelaporan sexual harassment, supported by a secure reporting
aman serta perlindungan bagi pelapor. mechanism and protection for whistleblowers.
Kesadaran akan pentingnya lingkungan kerja yang Awareness of the importance of a fair and inclusive
adil terus ditingkatkan melalui pelatihan rutin dan workplace is continuously enhanced through regular
evaluasi berkala atas kebijakan anti-diskriminasi. training and periodic evaluations of anti-discrimination
Seluruh kebijakan terkait dituangkan dalam Peraturan policies. All related policies are stipulated in
Perusahaan dan menjadi pedoman resmi bagi seluruh the Company Regulation and serve as official
karyawan. Pada tahun pelaporan, Bank tidak mencatat guidelines for all employees. During the reporting year,
adanya kasus pelanggaran HAM, diskriminasi, maupun the Bank recorded no cases of HAM violations,
pelecehan seksual. Adapun wujud nyata kesetaraan discrimination, or sexual harassment. The tangible
gender di lingkungan kerja Bank Capital pada tingkat implementation of gender equality within Bank Capital’s
karyawan dapat dilihat sebagai berikut: work environment at employee level is presented as
follows:
Kesetaraan Gender
Gender Equality
2025 2024
Pria Wanita Pria Wanita
Male Female Male Female
Level Jabatan
Position Level
Jumlah Jumlah Jumlah Jumlah
Karyawan Karyawan Karyawan Karyawan
% % % %
Total Total Total Total
Employee Employee Employee Employee
Entry-Level 199 24,06 347 41,96 172 22,08 335 43,00
Mid-Level 69 8,34 88 10,64 71 9,11 77 9,88
Senior-Level 41 4,96 57 6,89 40 5,13 56 7,19
Executive-Level 14 1,69 12 1,45 15 1,93 13 1,67
Jumlah
323 39,06 504 60,94 298 38,25 481 61,75
Total
2025 Annual Report | PT Bank Capital Indonesia Tbk 333
Page 336
Level Karyawan berdasarkan Kelompok Umur
Employee Level by Age Group
Level Jabatan
Position Level
Jumlah
Rentang Usia Karyawan
Entry-Level Mid-Level Senior-Level Executive-Level
Age Range Total
Employee
Pria Wanita Pria Wanita Pria Wanita Pria Wanita
Male Female Male Female Male Female Male Female
2025
18-25 Tahun
61 72 - - - - - - 133
18-25 Years Old
26-35 Tahun
82 164 11 30 2 4 1 - 294
26-35 Years Old
36-45 Tahun
45 78 38 41 20 26 3 1 252
36-45 Years Old
46-55 Tahun
11 29 20 17 17 26 4 8 132
46-55 Years Old
>55 Tahun
- 4 - - 2 1 6 3 16
>55 Years Old
2024
18-25 Tahun
48 62 - - - - - - 110
18-25 Years Old
26-35 Tahun
75 166 10 29 2 4 1 - 287
26-35 Years Old
36-45 Tahun
36 76 42 29 21 28 5 1 238
36-45 Years Old
46-55 Tahun
12 26 19 17 15 23 2 10 124
46-55 Years Old
>55 Tahun
1 5 - 2 2 1 7 2 20
>55 Years Old
Komposisi Karyawan [POJK C.3] Employee Composition [POJK C.3]
Perkembangan jumlah dan komposisi karyawan Bank The development of the number and composition of
selama 3 tahun terakhir ditunjukkan sebagai berikut: the Bank’s employees over the last 3 years is presented
as follows:
2025 2024 2023
Uraian
Description Orang Orang Orang
% % %
People People People
Komposisi Karyawan berdasarkan Status Ketenagakerjaan / Employee Composition by Employment Status
Tetap / Permanent 708 85,61 686 88,06 707 93,39
Kontrak / Contract 101 12,21 83 10,65 33 4,36
Percobaan / Probation 18 2,18 10 1,28 17 2,25
Jumlah / Total 827 100,00 779 100,00 757 100,00
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2025 2024 2023
Uraian
Description Orang Orang Orang
% % %
People People People
Komposisi Karyawan berdasarkan Gender / Employee Composition by Gender
Pria / Male 323 39,06 298 38,25 281 37,12
Wanita / Female 504 60,94 481 61,75 476 62,88
Jumlah / Total 827 100,00 779 100,00 757 100,00
Komposisi Karyawan berdasarkan Usia / Employee Composition by Age
20-30 Tahun / Years Old 271 32,77 257 32,99 246 32,50
31-45 Tahun / Years Old 408 49,33 379 48,65 366 48,35
46-57 Tahun / Years Old 135 16,32 130 16,69 131 17,31
>57 Tahun / Years Old 13 1,57 13 1,67 14 1,85
Jumlah / Total 827 100,00 779 100,00 757 100,00
Komposisi Karyawan berdasarkan Pendidikan / Employee Composition by Education
Pascasarjana / Master 23 2,78 25 3,21 22 2,91
Sarjana / Bachelor 633 76,54 570 73,17 520 68,69
Sarjana Muda/Diploma / Diploma 96 11,61 98 12,58 104 13,74
SMA / High School 75 9,07 86 11,04 111 14,66
Jumlah / Total 827 100,00 779 100,00 757 100,00
Komposisi Karyawan berdasarkan Jabatan / Employee Composition by Position
Dewan Komisaris / Board of
3 0,36 3 0,39 3 0,40
Commissioners
Direksi / Board of Directors 5 0,60 5 0,64 5 0,66
Kepala Divisi, Area, Branch / Head
15 1,81 17 2,18 17 2,25
of Division, Area, Branch
Kepala Departemen, Branch
Manager / Head of Department, 98 11,85 96 12,32 92 12,15
Branch Manager
Staf / Staff 703 85,01 655 84,08 637 84,15
Komite / Committee 3 0,36 3 0,39 3 0,40
Jumlah / Total 827 100,00 779 100,00 757 100,00
Jumlah Tenaga Kerja Sementara [S-04] Total Temporary Workers [S-04]
Selain karyawan tetap, Bank juga didukung oleh tenaga In addition to permanent employees, the Bank is also
kerja sementara yang direkrut melalui pihak ketiga. supported by temporary workers recruited through
Kehadiran tenaga kerja ini memberikan kontribusi dalam third parties. These workers contribute to supporting
menunjang kelancaran aktivitas operasional, khususnya the smooth operation of activities, particularly in
pada fungsi-fungsi teknis dan administratif. Data technical and administrative functions. Data on
mengenai jumlah serta proporsi tenaga kerja alih daya the number and proportion of outsourced workers to
terhadap total karyawan Bank dapat dilihat pada tabel the Bank’s total workforce are presented in the following
berikut: table:
2025 Annual Report | PT Bank Capital Indonesia Tbk 335
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Uraian 2025 2024 Description
Jumlah Karyawan yang Berasal dari Vendor Total Employees from Vendor
331 277
dan/atau Konsultan and/or Consultant
Jumlah Karyawan Bank 827 779 Total Bank Employee
Persentase Jumlah Karyawan Sementara (%) 40,02 35,56 Percentage of Total Temporary Employee (%)
Tenaga Kerja Anak dan Kerja Paksa [POJK F.19] [S-10] Child Labor and Forced Labor [POJK F.19] [S-10]
Bank Capital memastikan seluruh praktik Bank Capital ensures that all employment practices
ketenagakerjaan dijalankan sesuai prinsip etika are carried out in accordance with ethical principles
dan ketentuan hukum yang berlaku. Bank tidak and applicable laws and regulations. The Bank does not
menggunakan tenaga kerja anak maupun kerja paksa, employ child labor or forced labor and applies working
serta menerapkan aturan jam kerja yang sesuai dengan hours in compliance with prevailing labor regulations.
perundang-undangan.
Apabila terdapat kebutuhan pekerjaan di luar jam kerja Where work is required beyond normal working hours,
normal, Bank memberikan kompensasi lembur yang the Bank provides proper and fair overtime compensation
layak dan adil bagi karyawan. Seluruh ketentuan tersebut to employees. All such provisions are clearly stipulated in
dituangkan secara jelas dalam Peraturan Perusahaan the Company Regulation and serve as a formal guideline
sebagai acuan bagi seluruh insan Bank. for all Bank personnel.
Upah Minimum Regional [POJK F.20] Regional Minimum Wage [POJK F.20]
Bank Capital menjamin terpenuhinya hak-hak karyawan Bank Capital ensures the fulfillment of employees’
sesuai dengan ketentuan peraturan ketenagakerjaan, rights in accordance with applicable labor regulations,
termasuk standar upah minimum yang berlaku. including compliance with the prevailing minimum wage
Penyesuaian tingkat upah selalu mengacu pada Upah standards. Wage adjustments are consistently based on
Minimum Regional (UMR) terbaru, dan pada tahun 2025, the latest Regional Minimum Wage (UMR), and in 2025,
seluruh kantor operasional Bank telah memberikan upah all of the Bank’s operational offices provided wages
di atas ketentuan tersebut. above the stipulated minimum requirements.
Selain gaji pokok, Bank juga menyediakan paket In addition to basic salary, the Bank offers a competitive
remunerasi yang kompetitif, mencakup program remuneration package, including social security
jaminan sosial melalui BPJS Ketenagakerjaan dan BPJS programs through BPJS Ketenagakerjaan and BPJS
Kesehatan, tunjangan hari raya, serta insentif dan Kesehatan, holiday allowances, as well as incentives
bonus yang ditetapkan berdasarkan pencapaian kinerja. and bonuses determined based on performance
Skema ini dirancang untuk memberikan kepastian, achievements. This scheme is designed to provide
kesejahteraan, dan motivasi yang berkelanjutan bagi certainty, welfare, and sustainable motivation for all
seluruh karyawan. employees.
Pelatihan dan Pengembangan Kompetensi Employee Training and Competency
Karyawan [POJK F.22] [S-05] Development [POJK F.22] [S-05]
Sepanjang tahun 2025, Bank Capital terus memperkuat Throughout 2025, Bank Capital continued to
kualitas SDM melalui berbagai program pelatihan dan strengthen the quality of its HR through various
pengembangan kompetensi. Materi yang diberikan training and competency development programs.
tidak hanya berfokus pada keterampilan teknis dan The materials provided focused not only on technical
operasional, tetapi juga mencakup topik penting, and operational skills, but also covered key topics, such
seperti keberlanjutan, tata kelola perusahaan, kepatuhan as sustainability, corporate governance, regulatory
regulasi, serta pelatihan khusus mengenai anti-fraud, compliance, as well as specialized training on anti-fraud,
anti-penyuapan, APU-PPT, literasi keuangan, dan anti-bribery, AML-CFT, financial literacy, and the green
taksonomi hijau. taxonomy.
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Seluruh program tersebut dirancang untuk meningkatkan All of these programs were designed to enhance
kapasitas karyawan agar mampu menjawab tantangan employee capacity to address challenges in the banking
industri perbankan sekaligus mendukung strategi industry while supporting the Bank’s sustainability
keberlanjutan Bank. Hingga akhir periode pelaporan, strategy. As of the end of the reporting period,
rata-rata pelatihan mencapai 49 jam per karyawan, the average training hours reached 49 hours per
dengan jumlah peserta sebanyak 827 orang atau employee, with total participants amounting to
100,00% dari total karyawan. Untuk mendukung inisiatif 827 employees or 100.00% of the total workforce. To
ini, Bank mengalokasikan rencana anggaran pelatihan support this initiative, the Bank allocated a budget plan
dan pengembangan SDM di tahun 2025 sebesar for training and Human Resources development in 2025
Rp7.339.110.528,-. amounting to Rp7,339,110,528.
Materi pelatihan yang diberikan mencakup berbagai Training materials provided covered various strategic
topik strategis, antara lain penguatan kompetensi topics, including the strengthening of technical and
teknis dan digital, manajemen risiko dan kepatuhan, digital competencies, risk management and compliance,
keamanan siber dan perlindungan data, pengembangan cybersecurity and data protection, leadership and
kepemimpinan dan sumber daya manusia, layanan human resources development, banking services and
dan pemasaran perbankan, serta tata kelola dan marketing, as well as governance and sustainability,
keberlanjutan, termasuk pemahaman mengenai anti also understanding regarding anti-money laundering
pencucian uang dan pencegahan pendanaan terorisme and counter-terrorism financing (AML-CTF), consumer
(APU PPT), pelindungan konsumen, business continuity protection, business continuity management,
management, keamanan informasi, serta pengembangan information security, as well as innovation development
inovasi dan literasi digital. Program pelatihan tersebut and digital literacy. The training programs were delivered
dilaksanakan melalui berbagai metode pembelajaran, via various learning methods, including internal training,
seperti pelatihan internal, sertifikasi profesional, professional certifications, workshops, seminars, and
workshop, seminar, dan forum diskusi yang melibatkan discussion forums involving regulators and industry
regulator maupun pemangku kepentingan industri. stakeholders.
Pengembangan Karier Karyawan Employee Career Development
Bank menerapkan sistem pengembangan karier yang The Bank implements a career development system
berlandaskan prinsip kesetaraan kesempatan. Setiap based on the principle of equal opportunity. Every
karyawan diberikan akses yang adil terhadap berbagai employee is provided with fair access to various career
peluang karier, baik dalam bentuk promosi jabatan, opportunities, including promotions, job rotations,
rotasi, maupun penugasan lintas fungsi. Pendekatan ini and cross-functional assignments. This approach is
dirancang tidak hanya untuk memastikan kesinambungan designed not only to ensure career continuity, but also
karier, tetapi juga untuk mendorong peningkatan to encourage continuous improvement in competencies
kompetensi dan kinerja secara berkelanjutan. Evaluasi and performance. Periodic evaluations are conducted to
berkala digunakan untuk mengidentifikasi karyawan identify employees with high potential and outstanding
dengan potensi dan pencapaian unggul, yang performance, who are subsequently prioritized for
selanjutnya diprioritaskan menempati posisi strategis. strategic positions.
Sebagai dukungan tambahan, Bank menyediakan As additional support, the Bank provides various training
berbagai program pelatihan dan bimbingan agar and mentoring programs to ensure that employee career
pengembangan karier karyawan sejalan dengan development is aligned with organizational needs and
kebutuhan organisasi serta sasaran bisnis. business objectives.
Lingkungan Bekerja yang Layak dan Aman Decent and Safe Work Environment [POJK F.21] [S-11]
[POJK F.21] [S-11]
Bank Capital menempatkan keselamatan dan Bank Capital places employee safety and well-being as
kesejahteraan karyawan sebagai prioritas utama dalam a top priority in creating a healthy, safe, and productive
menciptakan lingkungan kerja yang sehat, aman, dan working environment. This commitment is realized
produktif. Komitmen tersebut diwujudkan melalui through the implementation of employment policies
penerapan kebijakan ketenagakerjaan yang diatur stipulated in the Company Regulations, as well as
dalam Peraturan Perusahaan serta pelaksanaan berbagai the execution of various supporting programs, including
program pendukung, seperti jaminan kesehatan, health coverage, insurance, and periodic medical
asuransi, dan pemeriksaan kesehatan berkala bagi check-ups for all employees.
seluruh karyawan.
2025 Annual Report | PT Bank Capital Indonesia Tbk 337
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Selain itu, Bank secara proaktif melakukan penilaian In addition, the Bank proactively conducts workplace
risiko di tempat kerja untuk meminimalisasi potensi risk assessments to minimize potential hazards and
bahaya serta memberikan pelatihan keselamatan kerja. provides occupational safety training. Such training
Pelatihan ini mencakup prosedur evakuasi, pemadaman covers evacuation procedures, fire prevention, and
kebakaran, hingga pertolongan pertama, sehingga firefighting, as well as first aid, so that every employee is
setiap karyawan memiliki kesiapan menghadapi keadaan prepared to respond to emergency situations. Through
darurat. Dengan langkah-langkah ini, Bank memastikan these measures, the Bank ensures the creation of a safe,
terciptanya lingkungan kerja yang aman, nyaman, dan comfortable, and conducive working environment that
mendukung kinerja optimal. supports optimal performance.
Tingkat Kecelakaan Kerja [S-06] Occupational Accident Rate [S-06]
Pada tahun 2025, tidak terdapat karyawan yang In 2025, there were no employees who experienced
mengalami kecelakaan kerja serius yang berakibat serious work accidents resulting in severe injuries and
cedera serius dan fatal. fatalities.
Tingkat Perputaran Karyawan [S-03] Employee Turnover Rate [S-03]
Bank senantiasa memantau dinamika pergerakan The Bank continuously monitors employee movement
karyawan sebagai bagian dari pengelolaan sumber daya dynamics as part of its human resource management.
manusia. Untuk menjaga stabilitas dan retensi tenaga To maintain workforce stability and retention, various
kerja, berbagai program pengembangan kompetensi competency development programs and employee
serta peningkatan kesejahteraan karyawan dijalankan welfare enhancement initiatives are implemented on
secara berkelanjutan. Rincian mengenai tingkat an ongoing basis. Details of the employee turnover rate
perputaran karyawan ditunjukkan sebagai berikut: are presented as follows:
2025 2024
Uraian
Description Jumlah Jumlah
Karyawan % Karyawan %
Total Employee Total Employee
Jumlah yang Berhenti Kerja/Pemutusan Hubungan Kerja
129 15,60 159 20,41
Total Resignations/Terminations
Jumlah Karyawan Baru/Pengganti
177 21,40 181 23,23
New/Replacement Employees
Sarana Pengaduan Karyawan Employee Complaints Facility
Dalam rangka menciptakan lingkungan kerja yang sehat In order to create a healthy and harmonious
dan harmonis, Bank Capital menetapkan mekanisme working environment, Bank Capital has established
penanganan pengaduan ketenagakerjaan yang dikelola an employment complaints handling mechanism
oleh Divisi Sumber Daya Manusia. Setiap laporan yang managed by the Human Resources Division. Each report
masuk diproses secara objektif dan sesuai ketentuan received is processed objectively and in accordance
internal yang berlaku. Selama 3 tahun terakhir, Bank with applicable internal regulations. Over the past
tidak menerima pengaduan dari karyawan. 3 years, the Bank has not received any complaints from
employees.
Menjaga Hubungan Baik dengan Maintaining Good Relationship with
Mitra Usaha Business Partners
Untuk mendukung pertumbuhan bisnis sekaligus To support business growth while delivering added value
memberikan nilai tambah bagi nasabah, Bank Capital to customers, Bank Capital establishes cooperative
menjalin hubungan kerja sama dengan beragam mitra relationships with a range of strategic partners.
strategis. Kolaborasi ini mencakup berbagai sektor yang These collaborations cover various sectors relevant
relevan dengan kebutuhan pengembangan layanan to the development of banking services. All forms of
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perbankan. Seluruh bentuk kerja sama dituangkan dalam cooperation are set out in formal agreements that
perjanjian resmi yang mengatur hak, kewajiban, serta clearly and transparently regulate the rights, obligations,
tanggung jawab masing-masing pihak secara jelas dan and responsibilities of each party.
transparan.
Hubungan dengan Mitra Usaha Relationship with Business Partners
Bank mengelola hubungan dengan para pemasok melalui The Bank manages its relationships with suppliers based
prinsip kerja sama yang berkesinambungan dan beretika. on principles of sustainable and ethical cooperation.
Dukungan terhadap pemasok lokal menjadi prioritas, Support for local suppliers is prioritized, in line with
sejalan dengan upaya mendorong pertumbuhan efforts to promote local economic growth. This
ekonomi setempat. Komitmen ini diwujudkan antara lain commitment is implemented, among other things,
melalui penerapan proses pembayaran yang tertib dan through orderly and timely payment processes, creating
tepat waktu, sehingga tercipta hubungan bisnis yang a mutually supportive business relationship that delivers
saling mendukung serta memberikan manfaat jangka long-term benefits for both parties.
panjang bagi kedua belah pihak.
Pengembangan Sosial dan Kemasyarakatan Social and Community Development
Dampak Operasi terhadap Masyarakat Sekitar Impact of Operations on Communities [POJK F.23]
[POJK F.23]
Kehadiran Bank Capital memberikan dampak yang The presence of Bank Capital has a significant impact
signifikan bagi masyarakat di sekitar wilayah operasional. on the communities surrounding its operational areas.
Dari sisi positif, keberadaan kantor cabang dan unit On the positive side, the existence of branch offices and
layanan Bank mendorong pertumbuhan ekonomi lokal service units stimulates local economic growth through
melalui penciptaan lapangan kerja, peningkatan aktivitas job creation, increased business activity, and expanded
usaha masyarakat, serta perluasan akses terhadap access to banking services that support financial literacy
layanan perbankan yang mendukung literasi dan inklusi and inclusion.
keuangan.
Di sisi lain, aktivitas operasional Bank juga berpotensi On the other hand, the Bank’s operational activities may
menimbulkan dampak negatif, seperti meningkatnya also generate negative impacts, such as increased traffic
arus lalu lintas di sekitar kantor cabang, penggunaan around branch locations, higher energy and resource
energi dan sumber daya yang dapat menambah beban consumption that may add to environmental burdens,
lingkungan, serta potensi gangguan kenyamanan and potential disruptions to community comfort due to
masyarakat akibat aktivitas operasional sehari-hari. daily operational activities.
Untuk meminimalisasi dampak negatif tersebut, Bank To minimize these negative impacts, Bank Capital
Capital menerapkan berbagai langkah pengendalian, implements various control measures, including
antara lain melalui manajemen energi dan lingkungan efficient energy and environmental management,
secara efisien, penerapan teknologi digital untuk the use of digital technology to reduce paper
mengurangi penggunaan kertas, pengaturan operasional consumption, operational arrangements to
agar tidak mengganggu aktivitas masyarakat, serta avoid disrupting community activities, and open
komunikasi terbuka dengan pemangku kepentingan communication with stakeholders in surrounding areas.
di sekitar wilayah operasional. Dengan langkah ini, Bank Through these measures, the Bank seeks to maintain
berupaya menjaga keseimbangan antara keberlangsungan a balance between business continuity and harmony
usaha dan keharmonisan dengan masyarakat sekitar. with the local community.
Penggunaan Tenaga Kerja Lokal [POJK F.25] Use of Local Workforce [POJK F.25]
Sebagai wujud kepedulian terhadap pembangunan As a demonstration of its commitment to
sosial-ekonomi di wilayah operasional, Bank Capital socio-economic development in its operational areas,
memberikan kesempatan kerja yang luas bagi masyarakat Bank Capital provides broad employment opportunities
setempat. Seluruh tenaga kerja yang bergabung for the local community. All personnel who join are
merupakan bagian dari komunitas sekitar, sehingga members of the surrounding community, so the Bank’s
keberadaan Bank tidak hanya berperan dalam layanan presence not only contributes to banking services, but
2025 Annual Report | PT Bank Capital Indonesia Tbk 339
Page 342
perbankan, tetapi juga dalam membuka lapangan also creates jobs and supports local economic growth. pekerjaan dan mendorong pertumbuhan ekonomi lokal. By involving 100.00% of employees from the local area, Dengan melibatkan 100,00% karyawan dari daerah the Bank is committed to delivering tangible and sekitar, Bank berkomitmen menghadirkan manfaat nyata sustainable benefits to the community. dan berkelanjutan bagi masyarakat. Kegiatan Tanggung Jawab Sosial dan Social and Environmental Responsibility Lingkungan Hidup [POJK F.25] [S-12] Activities [POJK F.25] [S-12] Bank Capital menempatkan keberlanjutan sosial sebagai Bank Capital places social sustainability as one of the key salah satu prioritas dalam strategi bisnis. Melalui berbagai priorities in its business strategy. Through various Social inisiatif Tanggung Jawab Sosial dan Lingkungan (TJSL), and Environmental Responsibility (TJSL) initiatives, Bank berkomitmen untuk memberikan kontribusi nyata the Bank is committed to making tangible contributions bagi masyarakat, terutama yang berada di sekitar to the community, particularly those in areas surrounding wilayah operasional. Program TJSL dilaksanakan tidak its operations. TJSL programs are implemented not hanya secara mandiri, tetapi juga melalui kemitraan only independently, but also in partnership with local dengan komunitas lokal serta lembaga nirlaba yang communities and credible non-profit institutions with memiliki kredibilitas dan tujuan sejalan. aligned objectives. Pada tahun 2025, Bank Capital terus memperkuat In 2025, Bank Capital continued to strengthen its komitmen dalam menjalankan program TJSL melalui commitment to implement TJSL programs through berbagai kegiatan sosial yang berfokus pada kepedulian various social initiatives focused on community welfare, terhadap masyarakat, kesehatan, serta tanggap bencana. health, and disaster response. All of these activities Seluruh kegiatan ini merupakan wujud nyata kontribusi represent the actual contribution from the Bank in perusahaan dalam menciptakan dampak sosial yang creating positive and sustainable social impact. positif dan berkelanjutan. Pada tanggal 23 Agustus 2025, Bank menyelenggarakan On 23 August 2025, the Bank held an Independence kegiatan bertajuk Semarak HUT Republik Indonesia Day Event with Sahabat Anak Rusun Cakung Barat. This Bersama Sahabat Anak Rusun Cakung Barat. Kegiatan activity was held to celebrate Indonesia’s Independence ini dilaksanakan dalam rangka memeriahkan Hari Ulang Day with children at Rusun Cakung Barat, Jakarta. In its Tahun Republik Indonesia bersama anak-anak di Rusun implementation, Bank Capital collaborated with Sahabat Cakung Barat, Jakarta. Dalam pelaksanaannya, Bank Anak to bring various educational and recreational Capital bekerja sama dengan Sahabat Anak untuk activities aimed to foster a spirit of togetherness, menghadirkan berbagai aktivitas edukatif dan hiburan creativity, and nationalism among the children. yang bertujuan meningkatkan semangat kebersamaan, The program gave enjoyable and meaningful experiences kreativitas, serta rasa nasionalisme anak-anak. Program for participants, with a total cost of Rp17,429,420. ini memberikan pengalaman yang menyenangkan sekaligus bermakna bagi para peserta, dengan total biaya sebesar Rp17.429.420,-. Selanjutnya, pada tanggal 4 September 2025, Bank Next, on 4 September 2025, Bank conducted its regular Capital kembali melaksanakan kegiatan TJSL rutin TJSL activity of blood donation program in collaboration berupa donor darah bekerja sama dengan Palang with Indonesian Red Cross and PT Jekael Invesco. Merah Indonesia dan PT Jekael Invesco. Kegiatan This activity was held at Borobudur Room, Menara ini diselenggarakan di Ruang Borobudur, Menara BPJamsostek, South Jakarta, with active participation BPJamsostek, Jakarta Selatan, dan melibatkan partisipasi from the employees as a form of social care. This blood aktif karyawan sebagai bentuk kepedulian terhadap donation program was aimed to help meet national sesama. Program donor darah ini bertujuan untuk blood supply needs while also raising awareness of membantu memenuhi kebutuhan stok darah nasional the importance of humanitarian actions. The activity sekaligus meningkatkan kesadaran akan pentingnya aksi was successfully held and contributed positively to kemanusiaan. Kegiatan ini berjalan dengan lancar dan the community, with a total cost of Rp17,945,920. memberikan kontribusi nyata bagi masyarakat, dengan total biaya sebesar Rp17.945.920,-. 340 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Sebagai bentuk kepedulian terhadap masyarakat yang As part of caring toward communities affected by
terdampak bencana, pada tanggal 5 Desember 2025 disasters, on 5 December 2025 Bank Capital collaborated
Bank Capital berkolaborasi dengan PT Taspen dalam with PT Taspen to distribute aids to disaster victims in
menyalurkan bantuan bagi korban bencana di wilayah the Sumatra region. The assistance provided included
Sumatra. Bantuan yang diberikan mencakup kebutuhan essential supplies and logistical support needed by
dasar serta dukungan logistik yang sangat dibutuhkan the affected communities. Through this event,
oleh para korban. Melalui kegiatan ini, Bank menunjukkan the Bank showed a prompt response and empathy
respons cepat dan empati terhadap kondisi darurat yang toward the emergency conditions faced by those
dihadapi masyarakat, serta berperan aktif dalam upaya communities, and actively contributing to post-disaster
pemulihan pascabencana. Total biaya yang dikeluarkan recovery efforts. The total cost incurred for this activity
untuk kegiatan ini sebesar Rp101.463.500,-. was Rp101,463,500.
Secara keseluruhan, total realisasi dana TJSL Bank Capital Overall, the total realization of TJSL funds by
sepanjang tahun 2025 mencapai Rp136.838.840,- Bank Capital in 2025 reached Rp136,838,840. These
Rangkaian kegiatan ini mencerminkan komitmen initiatives reflect the Bank’s consistent commitment
Bank dalam menjalankan tanggung jawab sosial to social responsibility, with a focus on community
secara konsisten, dengan fokus pada pemberdayaan empowerment, health improvement, and humanitarian
masyarakat, peningkatan kualitas kesehatan, serta assistance. In the, the Bank will continue delivering TJSL
bantuan kemanusiaan. Ke depan, Bank akan terus programs that are relevant and provide broad benefits
berupaya menghadirkan program TJSL yang relevan dan to the Indonesian communities.
memberikan manfaat luas bagi masyarakat Indonesia.
Literasi dan Inklusi Keuangan [POJK F.25] Financial Literacy and Inclusion [POJK F.25]
Sebagai lembaga keuangan, Bank Capital memahami As a financial institution, Bank Capital recognizes
pentingnya peran dalam meningkatkan kapasitas the importance of its role in enhancing the community’s
masyarakat dalam mengelola keuangan secara capacity to manage finances prudently. Accordingly,
bijak. Untuk itu, Bank secara berkesinambungan the Bank continuously organizes financial literacy and
menyelenggarakan program literasi dan inklusi keuangan inclusion programs aimed at various community groups.
yang ditujukan bagi berbagai kelompok masyarakat. Through these activities, the Bank not only equips
Melalui kegiatan ini, Bank tidak hanya membekali peserta participants with knowledge and skills in financial
dengan pengetahuan dan keterampilan pengelolaan management, but also fosters confidence in making
keuangan, tetapi juga menumbuhkan kepercayaan diri financial decisions. The implementation of these
dalam mengambil keputusan finansial. Pelaksanaan programs is aligned with the national GENCARKAN
program tersebut sejalan dengan agenda nasional agenda (National Movement for Financial Literacy),
GENCARKAN (Gerakan Nasional Cerdas Keuangan) which supports the realization of a financially literate
yang mendukung terwujudnya masyarakat cerdas society toward Indonesia Emas 2045. Throughout 2025,
keuangan menuju Indonesia Emas 2045. Sepanjang the series of financial literacy and inclusion programs
tahun 2025, rangkaian program literasi dan inklusi conducted by the Bank are outlined as follows:
keuangan Bank diuraikan sebagai berikut:
Waktu Pelaksanaan Kegiatan
Period Activity
Literasi Keuangan / Financial Literacy
Bank Capital mengadakan kegiatan Literasi Keuangan kepada murid sekolah Leaders School,
Jl. Komp Taman Surya 2 Nomor 7-9 Blok B1 RT 001/015, Pegadungan, Kalideres, Jakarta Barat,
21 Mei 2025 untuk memperkenalkan produk/layanan perbankan di era digital ini.
21 May 2025 Bank Capital organized a financial activity for students of Leaders School, at Jl. Komp Taman
Surya 2 Number 7–9 Blok B1 RT 001/015, Pegadungan, Kalideres, West Jakarta, aimed to
introduce banking products and services in the digital era.
Bank Capital mengadakan kegiatan Literasi Keuangan kepada murid Sekolah Bunda Mulia,
31 Oktober 2025 Jl. A.M Sangaji Nomor 20, Jakarta Pusat, untuk menanamkan minat menabung sejak dini.
31 October 2025 Bank Capital organized a financial literacy activity for students of Bunda Mulia School, at Jl. A.M.
Sangaji Number 20, Central Jakarta, to foster a savings interest from early age.
2025 Annual Report | PT Bank Capital Indonesia Tbk 341
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Waktu Pelaksanaan Kegiatan
Period Activity
Inklusi Keuangan / Financial Inclusion
Bank Capital mengadakan kegiatan Inklusi Keuangan kepada masyarakat umum, yaitu karyawan
PT Vetira Pribadi Kreasi, di Jl. Srengseng, Jakarta Barat dengan memperkenalkan produk/layanan
perbankan yang bertujuan menumbuhkan minat masyarakat untuk menabung serta kemudahan
26 Mei 2025 dan keamanan menggunakan layanan perbankan di era digital ini.
26 May 2025 Bank Capital organized a financial inclusion activity for public, namely employees of PT Vetira
Pribadi Kreasi, at Jl. Srengseng, West Jakarta, by introducing banking products/services to
foster public interest in savings, as well as highlighting the convenience and security of using
banking services in this digital era.
Bank Capital mengadakan kegiatan Inklusi Keuangan kepada masyarakat umum, yaitu pensiunan
pengusaha, berlokasi di Restoran Lagunan, Jakarta Pusat, dengan memperkenalkan produk/
layanan perbankan yang bertujuan menumbuhkan minat masyarakat untuk menabung serta
28 Oktober 2025 kemudahan dan keamanan menggunakan layanan perbankan di era digital ini.
28 October 2025 Bank Capital organized a financial inclusion activity for public, namely retired entrepreneurs,
held at Laguna Restaurant, Central Jakarta, by introducing banking products/services aimed to
foster the public interest to savings, as well as the convenience and security of using banking
services in this digital era.
Sarana Pengaduan Masyarakat [POJK F.24] Community Complaints Mechanism [POJK F.24]
Sebagai bentuk komitmen terhadap transparansi dan As part of its commitment to transparency and social
tanggung jawab sosial, Bank Capital menyediakan saluran responsibility, Bank Capital provides a dedicated
khusus bagi masyarakat untuk menyampaikan pengaduan channel for the public to submit complaints related
terkait pelaksanaan kegiatan sosial kemasyarakatan. to the implementation of social and community
Laporan dapat disampaikan melalui e-mail di activities. Reports may be submitted via e-mail at
antifraud@bankcapital.co.id atau melalui telepon/ antifraud@bankcapital.co.id or by telephone/SMS at
SMS di nomor 0812 1312 3535. Setiap pengaduan yang 0812 1312 3535. Every complaint received is processed
diterima akan diproses secara serius sesuai dengan seriously in accordance with the applicable provisions.
ketentuan. Selama 3 tahun terakhir, Bank tidak menerima Over the past 3 years, the Bank has not received any
adanya pengaduan dari masyarakat terkait kegiatan complaints from the public related to the social activities
sosial kemasyarakatan yang telah dilaksanakan. that have been carried out.
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Laporan Keberlanjutan
Sustainability Report
Keberlanjutan Aspek Lingkungan Hidup
Environmental Aspect Sustainability
Pembiayaan Berwawasan Lingkungan Hidup Green Financing
Bank Capital menempatkan aspek lingkungan sebagai Bank Capital places environmental aspects as an integral
bagian penting dalam kebijakan pembiayaan. Dalam part of its financing policy. In extending credit, the Bank
menyalurkan kredit, Bank mendorong debitur untuk encourages debtors to integrate sustainable business
mengintegrasikan praktik usaha berkelanjutan dan practices and to ensure compliance with environmental
memastikan kepatuhan terhadap regulasi lingkungan. regulations. For business activities that have
Bagi kegiatan usaha yang memiliki potensi dampak the potential to cause significant environmental impacts
signifikan terhadap lingkungan atau menggunakan or that utilize natural resources, the Bank requires
sumber daya alam, Bank mensyaratkan kelengkapan the completeness of Environmental Impact Assessment
dokumen Analisis Mengenai Dampak Lingkungan (AMDAL) documents as one of the main considerations
(AMDAL) sebagai salah satu pertimbangan utama in the credit approval process. This measure aims to
dalam proses persetujuan kredit. Langkah ini bertujuan ensure that the financing provided not only supports
memastikan bahwa pembiayaan yang diberikan tidak economic growth, but also aligns with efforts to
hanya mendukung pertumbuhan ekonomi, tetapi safeguard environmental sustainability and to promote
juga sejalan dengan upaya menjaga keberlanjutan responsible business practices. Data on Bank Capital’s
lingkungan dan mendorong terciptanya praktik bisnis green credit disbursement are presented as follows:
yang bertanggung jawab. Data penyaluran kredit hijau
Bank Capital diuraikan sebagai berikut:
(dalam jutaan Rupiah / in millions of Rupiah)
Sektor Lapangan Usaha 2025 2024 2023 Business Sector
Energi Terbarukan 303 408 450 Renewable Energy
Penggunaan Material yang Ramah Usage of Environmentally Friendly Materials
Lingkungan [POJK F.5] [POJK F.5]
Bank Capital berkomitmen untuk meminimalkan jejak Bank Capital is committed to minimizing its
lingkungan melalui penerapan praktik operasional environmental footprint through the implementation
yang berkelanjutan. Upaya ini diwujudkan dengan of sustainable operational practices. These efforts
optimalisasi penggunaan energi, termasuk penerapan are realized through the optimization of energy use,
sistem pencahayaan hemat energi dan peremajaan including the adoption of energy-efficient lighting
perangkat kerja yang lebih efisien. Dalam pengelolaan systems and the renewal of more efficient work
dokumen, Bank mengutamakan penggunaan kertas equipment. In document management, the Bank
ramah lingkungan (bersertifikasi Programme for the prioritizes the use of environmentally friendly paper
Endorsement of Forest Certification (PEFC) yang (certified by the Programme for the Endorsement
menjamin kelestarian sumber daya hutan) serta terus of Forest Certification (PEFC), which ensures
memperluas digitalisasi layanan perbankan, seperti the sustainability of forest resources) and continues
internet banking dan mobile banking, guna mengurangi to expand the digitalization of banking services, such
ketergantungan pada media cetak. Melalui berbagai as internet banking and mobile banking, in order to
langkah tersebut, Bank Capital tidak hanya mendukung reduce reliance on printed media. Through these various
efisiensi operasional, tetapi juga berkontribusi pada measures, Bank Capital not only supports operational
pelestarian lingkungan secara berkesinambungan. efficiency, but also contributes to environmental
preservation on a sustainable basis.
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Penggunaan Energi [POJK F.6] [POJK F.7] [E-03] Energy Utilization [POJK F.6] [POJK F.7] [E-03]
Bank Capital menempatkan efisiensi energi sebagai Bank Capital places energy efficiency as one of
salah satu pilar penting dalam mendukung keberlanjutan the key pillars in supporting operational sustainability.
operasional. Energi listrik yang digunakan dalam aktivitas Electrical energy used in daily activities, such as for
sehari-hari, seperti untuk perangkat kerja, pencahayaan, work equipment, lighting, air conditioning, and other
pendingin ruangan, dan fasilitas kantor lainnya, dikelola office facilities is managed using an energy-efficient
dengan pendekatan hemat energi. Pada tahun 2025, approach. In 2025, the Bank utilized renewable energy
Bank menggunakan energi terbarukan dengan membeli by purchasing Renewable Energy Certificates (REC)
Renewable Energy Certificate (REC) melalui ICDX through ICDX as the organizer of the Renewable Energy
sebagai penyelenggara Bursa Tenaga Listrik Terbarukan. Power Exchange. This initiative forms part of the Bank’s
Upaya ini menjadi bagian dari komitmen Bank dalam commitment to promoting environmentally friendly and
mendorong terciptanya operasional yang ramah sustainable operations in the future.
lingkungan dan berkelanjutan di masa mendatang.
Jumlah dan Intensitas Energi yang Digunakan Total and Intensity of Energy Utilization
Pemakaian energi di lingkungan Bank senantiasa dicatat Energy consumption within the Bank is consistently
dan dipantau untuk mendukung efisiensi operasional recorded and monitored to support operational
serta penerapan prinsip keberlanjutan. Rincian mengenai efficiency and the implementation of sustainability
jumlah dan intensitas energi yang digunakan sebagai principles. Details on the amount and intensity of energy
berikut: used are as follows:
Uraian Satuan
2025 2024 2023
Description Unit
kWh 2.224.000 2.098.000 2.797.000
Listrik
Electricity MWh 2.224 2.098 2.797
gigajoule 8.006,40 7.552,80 10.069,20
Bahan Bakar Minyak Liter 23.851 189.141 196.900
Fuel Oil gigajoule 815,70 6.468,62 6.733,98
Jumlah Penggunaan Energi
gigajoule 8.822,10 14.021,42 16.803,18
Total Energy Use
Intensitas Penggunaan Energi terhadap
gigajoule/jutaan Rupiah
Pendapatan Bunga 0,00592 0,01431 0,02003
gigajoule/millions of Rupiah
Energy Use Intensity to Interest Income
Efisiensi Penggunaan Energi terhadap
gigajoule/jutaan Rupiah
Pendapatan Bunga 0,00840 0,00572 0,00831
gigajoule/millions of Rupiah
Energy Use Efficiency to Interest Income
Untuk mendukung terciptanya operasional yang efisien To support efficient and sustainable operations,
dan berkelanjutan, Bank Capital menerapkan sejumlah Bank Capital implements a number of initiatives in energy
inisiatif dalam pengelolaan energi. Upaya tersebut management. These efforts are aimed at reducing
diarahkan untuk mengurangi konsumsi berlebihan serta excessive consumption and encouraging the use of
mendorong pemanfaatan energi yang lebih ramah more environmentally friendly energy. The measures
lingkungan. Adapun langkah yang dijalankan Bank antara implemented by the Bank include the following:
lain:
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Laporan Keberlanjutan
Sustainability Report
Jam lembur karyawan telah diminimalkan hingga hanya 5%, sementara pengawasan
Pengelolaan Operasional yang Efisien
terhadap penggunaan alat elektronik semakin diperketat. Langkah ini memastikan
perangkat yang tidak diperlukan segera dimatikan untuk menghindari pemborosan energi.
Employee overtime hours have been minimized to only 5%, while monitoring of electronic
Efficient Operational Management
device usage has been further tightened. This measure ensures that unnecessary devices
are promptly turned off to prevent energy waste.
Bank Capital mendorong pengurangan penggunaan kendaraan operasional dan
Optimalisasi Transportasi Rendah Emisi
mengadopsi transportasi umum berbasis rendah emisi untuk mendukung mobilitas
karyawan dengan dampak lingkungan yang lebih kecil.
Bank Capital encourages the reduction of operational vehicle usage and the adoption
Optimization of Low-Emission
of low-emission public transportation to support employee mobility with a smaller
Transportation
environmental impact.
Pertemuan fisik secara bertahap digantikan dengan teknologi telekonferensi, sehingga
Transformasi dalam Metode Kerja
tidak hanya menghemat energi, tetapi juga mengurangi jejak karbon yang dihasilkan dari
perjalanan dinas.
Physical meetings are gradually being replaced by teleconference technology, which not
Transformation in Work Methods
only saves energy, but also reduces the carbon footprint generated from business travel.
Penggantian lampu neon dengan lampu LED yang hemat energi dilakukan secara
Modernisasi Sistem Pencahayaan
menyeluruh. Selain itu, kebiasaan mematikan lampu di ruang rapat, toilet, dan area lain
yang tidak digunakan terus diterapkan untuk mengoptimalkan efisiensi energi.
The replacement of fluorescent lights with energy-efficient LED lighting has been
Modernization of Lighting Systems
implemented comprehensively. Additionally, the practice of turning off lights in meeting
rooms, restrooms, and other unused areas continues to be enforced to optimize energy
efficiency.
Pembelian REC melalui ICDX sebagai wujud komitmen dalam mendukung prinsip ESG dan
Penggunaan Energi Terbarukan
pertumbuhan ekonomi hijau. REC yang bersumber dari pembangkit listrik tenaga hidro ini
menegaskan langkah Bank Capital dalam menggunakan energi terbarukan serta sejalan
dengan upaya global untuk transisi menuju energi bersih.
The purchase of REC through ICDX reflects the Bank’s commitment to supporting ESG
Use of Renewable Energy
principles and green economic growth. The RECs, which are sourced from hydroelectric
power plants, emphasizes Bank Capital’s steps in utilizing renewable energy and are
aligned with global efforts toward the transition to clean energy.
Penggunaan Air [POJK F.8] [E-04] Water Usage [POJK F.8] [E-04]
Bank memanfaatkan air terutama untuk kebutuhan The Bank uses water primarily for sanitation, worship
kebersihan, ibadah, dan operasional kantor sehari-hari, facilities, and daily office operations, with the main
dengan pasokan utama berasal dari Perusahaan Daerah supply sourced from the Regional Water Supply
Air Minum (PDAM). Data konsumsi air Bank selama Company (PDAM). Data on the Bank’s water consumption
3 tahun terakhir disajikan sebagai berikut: over the past 3 years are presented as follows:
Uraian Satuan
2025 2024 2023
Description Unit
Air PDAM
m3 7.872 5.262 5.287
Piped Water (PDAM)
Intensitas Penggunaan Air terhadap
Pendapatan Bunga m3/jutaan Rupiah
0,0053 0,0054 0,0063
m3/millions of Rupiah
Water Use Intensity to Interest Income
Efisiensi Penggunaan Air terhadap
Pendapatan Bunga m3/jutaan Rupiah
0,0001 0,0009 0,0015
m3/millions of Rupiah
Water Use Efficiency to Interest Income
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Bank Capital menaruh perhatian pada pengelolaan Bank Capital pays close attention to water management
air dengan mendorong kebiasaan hemat di kalangan by promoting water-saving habits among employees
karyawan maupun tamu. Upaya ini diperkuat melalui and visitors. These efforts are reinforced through
inspeksi rutin pada instalasi air untuk mencegah regular inspections of water installations to prevent
kebocoran serta evaluasi berkala atas pola konsumsi leaks, as well as periodic evaluations of consumption
guna menemukan peluang penghematan tambahan. patterns to identify additional efficiency opportunities.
Dengan langkah tersebut, Bank memastikan penggunaan Through these measures, the Bank ensures that water
air tetap efisien dan bertanggung jawab. use remains efficient and responsible.
Penghematan Kertas Saving Up on Paper
Bank Capital berkomitmen mengurangi dampak Bank Capital is committed to reducing the environmental
lingkungan dari penggunaan kertas melalui penerapan impact of paper usage through the adoption of
teknologi digital. Portal e-Office, e-laporan, e-absensi, digital technology. The e-Office portal, e-reporting,
dan e-mail dimanfaatkan untuk menggantikan dokumen e-attendance, and e-mail are utilized to replace printed
cetak sekaligus meningkatkan efisiensi kerja. Selain documents while simultaneously improving work
itu, Bank menerapkan kebijakan cetak bolak-balik, efficiency. In addition, the Bank implements a double-
penggunaan kertas bekas untuk kebutuhan internal, sided printing policy, uses reused paper for internal
serta membatasi distribusi hardcopy Laporan Tahunan purposes, and limits the distribution of hardcopy Annual
dan Keberlanjutan. Data penggunaan kertas Bank selama and Sustainability Reports. Data on the Bank’s paper
3 tahun terakhir disajikan sebagai berikut: usage over the past 3 years are presented as follows:
Uraian Satuan
2025 2024 2023
Description Unit
Penggunaan Kertas rim
3.920 3.850 3.800
Paper Use reams
Pengendalian Emisi [POJK F.11] [POJK F.12] [E-01] [E-02] Emission Control [POJK F.11] [POJK F.12] [E-01] [E-02]
[E-06] [E-07] [E-06] [E-07]
Pada tahun 2024, Bank Capital mulai melaksanakan In 2024, Bank Capital began calculating Greenhouse Gas
perhitungan emisi Gas Rumah Kaca (GRK) dari aktivitas (GHG) emissions from operational activities at its head
operasional di kantor pusat sebagai langkah awal office as an initial step in monitoring its environmental
dalam memantau jejak lingkungan. Hasil perhitungan footprint. The results of this calculation serve as an
ini menjadi dasar penting untuk menyusun strategi important basis for formulating emission control and
pengendalian dan pengurangan emisi di tahun-tahun reduction strategies in the following years. Data on
berikutnya. Data emisi GRK Bank Capital untuk tahun Bank Capital’s GHG emissions for 2024 and 2025 are
2024 dan 2025 disajikan sebagai berikut: presented as follows:
2025 2024
Uraian Jumlah Emisi Jumlah Emisi Description
Total Emissions Total Emissions
(tCO2e) (tCO2e)
Kategori 1: Emisi GRK Langsung dan Pembuangan / Category 1: Direct GHG Emissions and Disposal
Emisi Langsung dari Pembakaran Direct Emissions from Stationary
- -
Stasioner Combustion
Emisi Langsung dari Pembakaran Bergerak - - Direct Emissions from Mobile Combustion
Direct Emissions from Processing
Emisi Langsung dari Proses Pengolahan - -
Activities
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2025 2024
Uraian Jumlah Emisi Jumlah Emisi Description
Total Emissions Total Emissions
(tCO2e) (tCO2e)
Emisi Fugitive Langsung - - Direct Fugitive Emissions
Emisi Langsung dari Land Use, Land Use Direct Emissions from Land Use, Land
- -
Change and Forestry (LULUCF) Use Change and Forestry (LULUCF)
Jumlah Emisi Langsung (Scope 1) - - Total Direct Emissions (Scope 1)
Kategori 2: Emisi GRK Tidak Langsung dari Energi yang Diimpor/Dibeli / Category 2: Indirect GHG Emissions from Imported/
Purchased Energy
Emisi Tidak Langsung dari Konsumsi Indirect Emissions from Imported/
1.207,07 960,66
Listrik yang Diimpor/Dibeli Purchased Electricity Consumption
Emisi Tidak Langsung dari Konsumsi Indirect Emissions from Imported/
Jaringan Energi yang Diimpor/Dibeli (di - - Purchased Energy Network Consumption
Luar Listrik) (Excluding Electricity)
Jumlah Emisi Tidak Langsung (Scope 2) 1.207,07 960,66 Total Indirect Emissions (Scope 2)
Kategori 3: Emisi GRK Tidak Langsung dari Transportasi / Category 3: Indirect GHG Emissions from Transportation
Transportasi dan Distribusi Hulu 90.924,91 471.225,70 Upstream Transportation and Distribution
Perjalanan Dinas 242.112,90 111.970,30 Business Travel
Transportasi dari Klien dan Pengunjung - - Client and Visitor Transportation
Downstream Transportation and
Transportasi dan Distribusi Hilir - -
Distribution
Perjalanan Karyawan 597.186,16 516.603,51 Employee Commuting
Kategori 4: Emisi GRK Tidak Langsung dari Produk yang Digunakan oleh Perusahaan / Category 4: Indirect GHG Emissions
from Products Used by the Company
Kegiatan yang Berhubungan dengan
Energi yang Tidak Termasuk dalam Energy-Related Activities Not Included in
- -
Emisi Langsung dan Emisi Energi Tidak Direct and Indirect Energy Emissions
Langsung
Pembelian Barang dan Jasa - - Purchased Goods and Services
Capital Equipment/Goods - - Capital Equipment/Goods
Limbah yang Dihasilkan dalam Kegiatan
- - Waste Generated in Operations
Operasional
Aset Sewaan Hulu - - Upstream Leased Assets
Kategori 5: Emisi GRK Tidak Langsung yang terkait dengan Penggunaan Produk dari Perusahaan / Category 5: Indirect GHG
Emissions related to the Use of the Company’s Products
Investasi - - Investments
Penggunaan Produk yang Dijual - - Use of Sold Products
Perawatan Akhir Masa Pakai Produk yang
- - End-of-Life Treatment of Sold Products
Dijual
Waralaba Hilir - - Downstream Franchises
Aset Sewaan Hilir - - Downstream Leased Assets
Pengolahan Produk yang Dijual - - Processing of Sold Products
Kategori 6: Emisi GRK Tidak Langsung dari Sumber Lainnya / Category 6: Other Indirect GHG Emissions
Emisi atau Pembuangan Tidak Langsung
Lainnya
- - Other Indirect Emissions or Disposal
Jumlah Emisi Tidak Langsung (Scope 3) 930.223,97 1.099.799,51 Total Indirect Emissions (Scope 3)
Jumlah Emisi GRK (Scope 1 dan 2) 1.207,07 960,66 Total GHG Emissions (Scope 1 and 2)
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2025 2024
Uraian Jumlah Emisi Jumlah Emisi Description
Total Emissions Total Emissions
(tCO2e) (tCO2e)
Total Emisi GRK (Scope 1, 2 dan 3) 931.431,03 1.100.760,17 Total GHG Emissions (Scope 1, 2, and 3)
Offsets/Credits - - Offsets/Credits
Pembelian Renewable Energy Certificate Renewable Energy Certificate (REC)
2.098.000 -
(REC) (kWh) Purchase (kWh)
Intensitas Emisi GRK (Scope 1 dan 2) GHG Emissions Intensity (Scope 1 and 2)
0,00081 0,00098
(tCO2e/jutaan Rupiah) (tCO₂e/millions of Rupiah)
Bank Capital berkomitmen mendukung upaya Bank Capital is committed to supporting global efforts
global dalam pengendalian perubahan iklim dengan to mitigate climate change by setting a target to reduce
menetapkan target pengurangan emisi GRK sebesar 5% GHG emissions by 5%, equivalent to 46,571.55 tCO₂e,
atau setara 46.571,55 tCO₂e pada tahun 2027 dan net by 2027 and to achieve net zero emissions by the
zero emission pada tahun 2030 Untuk mewujudkannya, year 2030 To realize this commitment, the Bank has
Bank membentuk Sustainable Finance Task Force yang established a Sustainable Finance Task Force responsible
berperan dalam merancang, mengimplementasikan, dan for designing, implementing, and monitoring climate
memantau strategi pengendalian iklim. Adapun langkah control strategies. The concrete actions that have been
nyata yang telah dijalankan mencakup: implemented include:
1. Meminimalkan perjalanan dinas dengan 1. Reducing official travel by online meetings.
memanfaatkan pertemuan daring.
2. Menghemat penggunaan energi listrik yang 2. Saving the electricity use that generates GHG
berpotensi menghasilkan emisi GRK. emission.
3. Mendorong karyawan untuk menggunakan 3. Encouraging employees to use public transport,
transportasi umum, seperti bus dan moda angkutan such as bus or any other public transport.
lainnya.
Bank Capital meyakini bahwa upaya pengurangan emisi Bank Capital believes that efforts to reduce GHG
GRK tidak hanya penting bagi kelestarian lingkungan, emissions are not only important for environmental
tetapi juga memberikan manfaat nyata bagi pemangku preservation, but also deliver tangible benefits to
kepentingan dan masyarakat luas. Langkah ini akan terus stakeholders and the wider community. These efforts
diperkuat sebagai bagian dari perjalanan menuju masa will continue to be strengthened as part of the Bank’s
depan yang hijau, bertanggung jawab, dan berkelanjutan. journey toward a greener, responsible, and sustainable
future.
Komitmen dalam Transisi Energi Bersih Clean Energy Transition Commitment
Sebagai bagian dari komitmen dalam mendukung As part of its commitment to supporting sustainable
pembangunan berkelanjutan dan penerapan prinsip ESG, development and the implementation of ESG principles,
Bank Capital senantiasa mengambil langkah nyata untuk Bank Capital consistently takes concrete measures
mengurangi jejak karbon sekaligus berkontribusi pada to reduce its carbon footprint while contributing to
pencapaian target transisi energi bersih di Indonesia. the achievement of Indonesia’s clean energy transition
targets.
Pada tanggal 30 April 2025, Bank Capital merealisasikan On 30 April 2025, Bank Capital realized the purchase of
pembelian REC sebesar 2.098 MWh dan menjadi REC amounting to 2,098 MWh, increasing to a total of
sebesar 2.098 MWh diakhir tahun 2025 melalui ICDX 2.098 MWh by the end of 2025, through ICDX as
selaku penyelenggara Bursa Tenaga Listrik Terbarukan. the organizer of the Renewable Energy Exchange.
REC tersebut bersumber dari pembangkit listrik tenaga The REC were sourced from environmentally friendly
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Laporan Keberlanjutan
Sustainability Report
hidro yang ramah lingkungan. Langkah ini tidak hanya hydroelectric power plants. This initiative not only
menunjukkan dukungan terhadap pemanfaatan energi demonstrates support for the utilization of renewable
terbarukan, tetapi juga menjadi bukti komitmen Bank energy, but also serves as evidence of Bank Capital’s
Capital dalam mendorong pertumbuhan ekonomi hijau commitment to promoting inclusive green economic
yang inklusif. growth.
Pembelian REC juga menjadi bagian dari penerapan The purchase of REC also forms part of
bisnis berkelanjutan yang dijalankan secara menyeluruh, the comprehensive implementation of sustainable
mulai dari pemanfaatan energi listrik dalam operasional business practices, ranging from the use of electricity
sehari-hari hingga dukungan terhadap transisi energi in daily operations to support for the national energy
nasional. Melalui langkah ini, Bank Capital menegaskan transition. Through this initiative, Bank Capital affirms
peran sebagai salah satu institusi perbankan yang its role as a banking institution that actively promotes
aktif mendorong ekosistem energi bersih sekaligus the clean energy ecosystem while strengthening
memperkuat agenda keuangan berkelanjutan. the sustainable finance agenda.
Lebih jauh, REC merupakan instrumen internasional Furthermore, REC is an international instrument
yang telah diakui oleh berbagai standar global, seperti recognized by various global standards, such as
GHG Protocol, CDP, RE100, dan SBTi, serta banyak the GHG Protocol, CDP, RE100, and SBTi, and is widely
digunakan oleh perusahaan di seluruh dunia sebagai used by companies worldwide as part of meeting
bagian dari pemenuhan target energi terbarukan. renewable energy targets. This initiative is also
Inisiatif ini juga sejalan dengan Peraturan Otoritas Jasa aligned with Financial Services Authority Regulation
Keuangan Nomor 51/POJK.03/2017 tentang Penerapan Number 51/POJK.03/2017 on the Implementation
Keuangan Berkelanjutan, yang mewajibkan lembaga of Sustainable Finance, which requires financial
jasa keuangan, emiten, dan perusahaan publik untuk institutions, issuers, and public companies to take an
mengambil peran aktif dalam mendukung keberlanjutan. active role in supporting sustainability.
Dari sisi regulasi nasional, perdagangan REC telah From the perspective of national regulation, REC
diatur dalam Peraturan Bappebti – Kementerian trading is governed by Bappebti Regulation – Ministry
Perdagangan Nomor 11 Tahun 2024 tentang Tata Cara of Trade Number 11 of 2024 on the Procedures for
Pelaksanaan Perdagangan Pasar Fisik Tenaga Listrik the Implementation of Renewable Electricity Physical
Terbarukan di Bursa Berjangka. Kehadiran mekanisme Market Trading on the Futures Exchange. The presence
pasar ini memastikan transparansi dan kredibilitas of this market mechanism ensures transparency
dalam perdagangan energi terbarukan, serta membuka and credibility in renewable energy trading, while
peluang bagi sektor perbankan untuk turut serta dalam also opening opportunities for the banking sector to
mendukung agenda transisi energi nasional. participate in supporting the national energy transition
agenda.
Dengan implementasi langkah strategis ini, Bank Capital Through the implementation of this strategic initiative,
menempatkan diri sebagai pelopor di sektor perbankan Bank Capital positions itself as a pioneer in the banking
dalam penggunaan energi terbarukan, yang sejalan sector in the use of renewable energy, in line with global
dengan komitmen global untuk mengurangi dampak commitments to reduce environmental impact, support
lingkungan, mendukung pencapaian net zero emission, the achievement of net zero emissions, and strengthen
serta memperkuat transisi menuju energi bersih di the transition toward clean energy in Indonesia.
Indonesia.
2025 Annual Report | PT Bank Capital Indonesia Tbk 349
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Keanekaragaman Hayati [POJK F.9] [POJK F.10] Biodiversity [POJK F.9] [POJK F.10] Sebagai institusi jasa keuangan, aktivitas operasional As a financial services institution, Bank Capital’s Bank Capital tidak memiliki keterkaitan langsung dengan operational activities do not have a direct connection to isu pelestarian lingkungan dan keanekaragaman hayati. issues of environmental conservation and biodiversity. Namun demikian, Bank tetap menunjukkan komitmen Nevertheless, the Bank continues to demonstrate terhadap aspek keberlanjutan melalui berbagai inisiatif, its commitment to sustainability through various antara lain penataan area kerja yang hijau bekerja sama initiatives, including the arrangement of green work dengan pengelola gedung, serta keterlibatan dalam areas in cooperation with building management, as program penghijauan di sekitar wilayah operasional. well as participation in greening programs around its Dengan lokasi kantor yang berada di luar kawasan operational areas. With office locations situated outside konservasi maupun area dengan keanekaragaman hayati conservation zones and areas with high biodiversity tinggi, Bank Capital memastikan bahwa seluruh kegiatan value, Bank Capital ensures that all business activities do usaha tidak menimbulkan dampak negatif terhadap not cause adverse impacts on protected ecosystems. ekosistem yang dilindungi. Pengelolaan Limbah [POJK F.13] [POJK F.14] [E-05] Waste Management [POJK F.13] [POJK F.14] [E-05] Dalam mendukung praktik operasional yang In supporting environmentally responsible operational bertanggung jawab terhadap lingkungan, Bank Capital practices, Bank Capital applies the principles of menerapkan prinsip Reduce, Reuse, dan Recycle (3R) Reduce, Reuse, and Recycle (3R) in waste management. dalam pengelolaan limbah. Jenis limbah yang dihasilkan The types of waste generated are predominantly sebagian besar merupakan limbah domestik, khususnya domestic waste, particularly paper, and do not include kertas, tanpa menghasilkan limbah Bahan Berbahaya dan Hazardous and Toxic Waste (B3). Beracun (B3). Pengelolaan limbah dilaksanakan melalui kerja sama Waste management is carried out in cooperation with dengan pihak pengelola gedung, sehingga seluruh building management, ensuring that all treatment proses pengolahan dilakukan sesuai dengan standar processes are conducted in accordance with applicable lingkungan yang berlaku. Lebih lanjut, Bank juga environmental standards. Furthermore, the Bank mendorong pemanfaatan ulang material operasional encourages the reuse of operational materials and serta penerapan praktik daur ulang di lingkungan kerja. the implementation of recycling practices within Langkah ini mencerminkan upaya berkelanjutan Bank the workplace. These measures reflect Bank Capital’s Capital dalam meminimalkan dampak lingkungan, ongoing efforts to minimize environmental impact, meningkatkan efisiensi sumber daya, serta mendukung enhance resource efficiency, and support sustainable tujuan pembangunan berkelanjutan di sektor jasa development objectives in the financial services sector. keuangan. Pada tahun 2025, limbah yang dihasilkan Bank Capital In 2025, the waste generated by Bank Capital was telah dikelola melalui mekanisme yang sesuai dengan managed through mechanisms in accordance with ketentuan lingkungan yang berlaku, sehingga tidak prevailing environmental regulations, so it did not cause menimbulkan dampak negatif yang signifikan terhadap any significant negative impact on the community or masyarakat maupun lingkungan sekitar. the surrounding environment. 350 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Laporan Keberlanjutan
Sustainability Report
Tumpahan yang Terjadi [POJK F.15] Occurring Spills [POJK F.15]
Pada tahun 2025, Bank Capital mampu menjalankan In 2025, Bank Capital was able to carry out all operational
seluruh kegiatan operasional secara tertib dan activities in an orderly and well-controlled manner. All
terkendali. Seluruh proses kerja dilaksanakan sesuai work processes were implemented in accordance with
standar yang berlaku, sehingga tidak terjadi insiden applicable standards, resulting in no incidents related
terkait pengelolaan limbah maupun potensi pencemaran to waste management or potential environmental
lingkungan. pollution.
Sarana Pengaduan Masalah Lingkungan Environmental Complaints Facility
Hidup [POJK F.16] [POJK F.16]
Dengan mempertimbangkan sifat kegiatan usaha Considering the nature of its business activities, which
yang tidak memiliki keterkaitan langsung terhadap do not have a direct linkage to environmental aspects,
aspek lingkungan hidup, hingga saat ini Bank Capital to date Bank Capital has not established a dedicated
belum menetapkan saluran pengaduan khusus complaint channel specifically related to environmental
terkait isu lingkungan. Meskipun demikian, Bank issues. Nevertheless, the Bank continues to demonstrate
tetap menunjukkan komitmen terhadap pelestarian its commitment to environmental preservation through
lingkungan melalui penerapan kebijakan internal dan the implementation of internal policies and sustainability
program keberlanjutan yang relevan dengan operasional programs that are relevant to banking operations. Over
perbankan. Sepanjang 3 tahun terakhir, Bank Capital the past 3 years, Bank Capital has not received any
tidak menerima pengaduan maupun dikenakan denda environmental-related complaints nor been subject
dan/atau sanksi atas ketidakpatuhan terhadap peraturan to fines and/or sanctions for non-compliance with
perundang-undangan di bidang lingkungan hidup. environmental laws and regulations.
Biaya Pengelolaan Lingkungan Hidup [POJK F.4] Environmental Management Cost [POJK F.4]
Pengeluaran yang dialokasikan untuk kegiatan Expenditures allocated for environmental management
pengelolaan lingkungan telah terintegrasi dalam pos activities have been integrated into the Bank’s
biaya operasional Bank. Pendekatan ini mencerminkan operational expense accounts. This approach reflects
komitmen Bank untuk memastikan bahwa aspek the Bank’s commitment to ensuring that environmental
keberlanjutan lingkungan menjadi bagian yang tidak sustainability aspects form an integral part of its
terpisahkan dari aktivitas operasional sehari-hari. day-to-day operational activities.
2025 Annual Report | PT Bank Capital Indonesia Tbk 351
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Verifikasi Tertulis dari Pihak Independen [POJK G.1]
Independent Party Written Verification
Laporan Keberlanjutan ini tidak dilakukan verifikasi oleh This Sustainability Report has not been verified by
penyedia jasa assurance eksternal. Namun demikian, an external assurance service provider. Nevertheless,
Bank Capital menjamin bahwa seluruh informasi yang Bank Capital guarantees that all information presented
disampaikan dalam Laporan Keberlanjutan ini adalah in this Sustainability Report is correct, accurate, and
benar, akurat, dan faktual. actual.
Tanggapan terhadap Umpan Balik Laporan
Keberlanjutan Tahun Sebelumnya [POJK G.3]
Response to Feedback of Previous Year’s Sustainability Report
Bank Capital tidak mendapatkan tanggapan spesifik Bank Capital received no specific response for
terkait Laporan Tahunan 2024 yang diterbitkan. Meskipun the published 2024 Annual Report. However,
demikian, Bank terus menyempurnakan laporan tahun the Bank continues to improve the 2025 report to meets
2025 agar memenuhi standar penulisan, yaitu Peraturan the writing standards, namely Financial Services
Otoritas Jasa Keuangan Nomor 51/POJK.03/2017. Authority Regulation Number 51/POJK.03/2017.
Bank berharap laporan ini menjadi sumber informasi The Bank hopes that this report can be used as a reliable
terpercaya tentang kinerja keberlanjutan Bank beserta source of information about the Bank’s sustainability
dampak yang ditimbulkannya selama tahun pelaporan. performances and the impacts it caused during
the reporting year.
352 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Laporan Keberlanjutan
Sustainability Report
Lembar Umpan Balik [POJK G.2]
Feedback Form
Setelah membaca Laporan Keberlanjutan PT Bank After reading the Sustainability Report of PT Bank
Capital Indonesia Tbk, kami mohon kesediaan para Capital Indonesia Tbk, we would like to ask stakeholders
pemangku kepentingan untuk memberikan umpan balik to give feedback by sending an e-mail or sending this
dengan mengirim e-mail atau mengirim formulir ini form via fax/post.
melalui fax/pos.
Pertanyaan Setuju Tidak Setuju
Questions Agree Disagree
Laporan ini telah memberikan informasi yang bermanfaat mengenai kinerja ekonomi, sosial, dan
lingkungan perusahaan.
... ...
This report has provided useful information on the company’s economic, social, and
environmental performances.
Data dan informasi yang diungkapkan mudah dipahami, lengkap, transparan, dan berimbang.
... ...
The data and information disclosed is easy to understand, complete, transparent, and balanced.
Data dan informasi yang disajikan berguna dalam pengambilan keputusan.
... ...
The data and information presented is useful in decision making.
Laporan ini menarik dan mudah dibaca.
... ...
This report is interesting and easy to read.
Mohon berikan nilai mengenai aspek yang terdapat Please rate the following aspects presented in this report
dalam laporan ini (nilai 1 = paling penting, 2 = penting, (1 = very important, 2 = important, 3 = not important,
3 = tidak penting, 4 = sangat tidak penting). 4 = least important).
Kinerja Ekonomi Pengembangan Sosial dan Kemasyarakatan
Economic Performance Social and Community Development
Pembiayaan Berwawasan Lingkungan Penggunaan Air
Green Financing Water Consumption
Kerahasiaan Data Nasabah Penggunaan Material yang Ramah Lingkungan
Customer Data Confidentiality Use of Environmentally-Friendly Material
Kesetaraan Kesempatan Kerja Penggunaan Energi
Equal Employment Opportunity Energy Use
Pelatihan dan Pengembangan Kemampuan Karyawan Pengelolaan Limbah
Employee Training and Capacity Development Waste Management
Kesehatan dan Keselamatan Kerja Pengendalian Emisi
Occupational Health and Safety Emission Control
Mohon berikan komentar/saran/usulan bagi laporan ini.
Your comments/suggestions for this report.
2025 Annual Report | PT Bank Capital Indonesia Tbk 353
Page 356
Profil Anda / Your Profile
Nama / Name : .......................................................................................................................................................................
Pekerjaan / Occupation : .......................................................................................................................................................................
Institusi/Perusahaan / Institution/Company : .......................................................................................................................................................................
Kontak (telepon, e-mail) / Contact (telephone, e-mail) : .......................................................................................................................................................................
Kategori Pemangku Kepentingan / Stakeholders Category
Pemerintah Nasabah Karyawan Mitra Usaha
Government Customer Employee Business Partner
Masyarakat LSM Lain-Lain, ….
Media
Community NGO Others, …
Saran dan tanggapan yang Anda berikan atas informasi yang disajikan dalam laporan ini mohon dikirimkan kepada:
Kindly send your suggestions and responses on the information presented in this report to:
Sekretaris Perusahaan
Corporate Secretary
Kantor Pusat / Head Office
Menara BP Jamsostek Menara Utara Lt. 1 dan / and 6
Jl. Jend. Gatot Subroto Nomor 38
Jakarta Selatan 12710
354 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 357
Daftar Pengungkapan Sesuai Peraturan Otoritas
Jasa Keuangan Nomor 51/POJK.03/2017 [POJK G.4]
List of Disclosure According to Financial Services Authority Regulation
Number 51/POJK.03/2017
Nomor Indeks Nama Indeks Halaman
Index Number Index Name Page
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1 7
Sustainability Strategy Description
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Performance Highlights
Aspek Ekonomi
B.1 18
Economic Aspect
Aspek Lingkungan Hidup
B.2 22
Environmental Aspect
Aspek Sosial
B.3 22
Social Aspect
Profil Perusahaan
Company Profile
Visi, Misi dan Nilai Keberlanjutan
C.1 66
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 62
Company Address
Skala Perusahaan
C.3 70; 86; 110; 334
Business Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 68; 69
Products, Services, and Business Activities Conducted
Keanggotaan pada Asosiasi
C.5 74
Association Membership
Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan
C.6 321
Significant Change on Issuers and Public Companies
Penjelasan Direksi
Explanation from the Board of Directors
Penjelasan Direksi
D.1 46
Explanation from the Board of Directors
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1 314
Parties Responsible for Sustainable Finance Implementation
Pengembangan Kompetensi terkait Keuangan Berkelanjutan
E.2 316
Competency Development related to Sustainable Finance
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
E.3 253; 259; 317
Risk Assessment for the Implementation of Sustainable Finance
Hubungan dengan Pemangku Kepentingan
E.4 12
Stakeholders Relations
Permasalahan terhadap Penerapan Keuangan berkelanjutan
E.5 13
Issues with the Implementation of Sustainable Finance
2025 Annual Report | PT Bank Capital Indonesia Tbk 355
Page 358
Nomor Indeks Nama Indeks Halaman
Index Number Index Name Page
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan 279; 285; 288;
F.1
Activities to Build Sustainability Culture 289; 295; 301
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi,
Pendapatan dan Laba Rugi
F.2 125
Comparison of Production Targets and Performance, Portfolios, Financing Targets, or
Investments, Revenue and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen
Keuangan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
F.3 126
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in Financial
Instruments or Projects that are in Line with Sustainable Finance
Kinerja Lingkungan
Environmental Performance
Aspek Umum
General Aspect
Biaya Lingkungan Hidup
F.4 351
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material yang Ramah Lingkungan
F.5 343
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan
F.6 344
Total and Intensity of Energy Used
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 344
Efforts and Achievement of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspect
Penggunaan Air
F.8 345
Water Use
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati 350
Impact of Operational Areas that are Near or Located in Conservation Areas or Have Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 350
Biodiversity Conservation Effort
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan berdasarkan Jenisnya
F.11 346
Total and Intensity of Emissions Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 346
Emission Reduction Efforts and Achievements Conducted
356 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 359
Nomor Indeks Nama Indeks Halaman
Index Number Index Name Page
Aspek Limbah dan Efluen
Waste and Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan berdasarkan Jenis
F.13 350
Total of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 350
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (jika Ada)
F.15 351
Spill Occurring (if Any)
Aspek Pengaduan terkait Lingkungan Hidup
Aspect of Complaints related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 351
Total and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen
F.17 322
Commitment to Provide Equal Service for Products and/or Equal Services to Consumers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 332
Equal Employment Opportunities
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 336
Child Labor and Forced Labor
Upah Minimum Regional
F.20 336
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21 337
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 336
Employee Training and Capacity Building
Aspek Masyarakat
Community Aspect
Dampak Operasi terhadap Masyarakat Sekitar
F.23 339
Impact of Operations on the Surrounding Communities
Pengaduan Masyarakat
F.24 342
Community Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 339; 340; 341
Environmental Social Responsibility (TJSL) Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Sustainable Products/Services Development Responsibility
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
F.26 322
Sustainable Financial Products/Services Innovation and Development
Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
F.27 323
Products/Services that Have Been Evaluated for Safety for Customers
Dampak Produk/Jasa
F.28 323
Products/Services Impact
Jumlah Produk yang Ditarik Kembali
F.29 323
Total Products Recalled
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 325
Customer Satisfaction Survey on Sustainable Financial Products and/or Services
2025 Annual Report | PT Bank Capital Indonesia Tbk 357
Page 360
Nomor Indeks Nama Indeks Halaman
Index Number Index Name Page
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen (jika Ada)
G.1 352
Independent Party Written Verification (if Any)
Lembar Umpan Balik
G.2 353
Feedback Form
Tanggapan terhadap Umpan Balik Laporan Tahun Sebelumnya
G.3 352
Response to Feedback of Previous Year’s Report
Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan
Perusahaan Publik
G.4 355
List of Disclosure According to Financial Services Authority Regulation
Number 51/POJK.03/2017 on the Implementation of Sustainable Finance for Financial
Institutions, Issuers, and Public Companies
Daftar Pengungkapan Sesuai
Pelaporan ESG Metrik
List of Disclosures as per ESG Metrics Reporting
Kinerja Kode Nama Metrik Halaman
Performance Code Metric Name Page
Laporan Emisi Gas Rumah Kaca
E-01 346
Greenhouse Gas Emission Report
Intensitas Emisi Gas Rumah Kaca
E-02 346
Greenhouse Gas Emission Intensity
Konsumsi Energi Listrik
E-03 344
Electricity Energy Consumption
Lingkungan Konsumsi Air
E-04 345
Environment Water Consumption
Limbah yang Dihasilkan
E-05 350
Waste Generated
Komitmen Perusahaan untuk Mencapai Target Net Zero Emission
E-06 346
Company Commitment to Achieve Net Zero Emission Target
Komitmen Perusahaan untuk Mengurangi Emisi Gas Rumah Kaca
E-07 346
Company Commitment to Reduce Greenhouse Gas Emissions
358 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 361
Kinerja Kode Nama Metrik Halaman
Performance Code Metric Name Page
Kesetaraan Gender
S-01 332
Gender Equality
Pegawai berdasarkan Gender dan Kelompok Umur
S-02 332
Employees by Gender and Age Group
Tingkat Pergantian Pegawai
S-03 338
Employee Turnover Rate
Jumlah Pegawai Sementara
S-04 335
Total Temporary Employees
Pelatihan dan Pengembangan Pegawai
S-05 336
Employee Training and Development
Jumlah Kecelakaan Kerja
S-06 338
Total Work Accidents
Sosial Kejadian Pelanggaran Hak Asasi Manusia
Social S-07 332
Incidence of Human Rights Violations
Kebijakan Pelecehan Seksual dan/atau Non-Diskriminasi
S-08 332
Sexual Harassment and/or Non-Discrimination Policy
Kebijakan Mengenai Hak Asasi Manusia
S-09 332
Human Rights Policy
Kebijakan Pekerja Anak dan/atau Pekerja Paksa
S-10 336
Child Labor and/or Forced Labor Policy
Kebijakan mengenai Kesehatan dan Keselamatan Kerja serta
Lingkungan Kerja yang Aman dan Layak Diberikan Kepada Seluruh
S-11 Karyawan 337
Policy on Occupational Health and Safety and Safe and Appropriate
Working Environment Provided to All Employees
S-12 Corporate Social Responsibility 340
Keberagaman Manajemen dan Independensi
G-01 205
Management Diversity and Independence
Jumlah Kehadiran Direksi dan Komisaris ke Rapat Dewan
G-02 Total Attendance of Board of Directors and Board of Commissioners 179; 189
at Board Meetings
Kebijakan Pemisahan Chairman of the Board dan CEO
G-03 191
Chairman of the Board and CEO Separation Policy
Kebijakan Penilaian Dewan Direksi dan Komisaris
G-04 195
Board of Directors and Board of Commissioners Evaluation Policy
Tata Kelola
Governance Kebijakan Pelatihan Dewan Direksi dan Komisaris
G-05 192
Board of Directors and Board of Commissioners Training Policy
Kriteria Khusus Pemilihan Dewan
G-06 171; 177; 182
Special Criteria for Board Selection
Kode Etik dan/atau Anti-Korupsi
G-07 288; 289
Code of Conduct and/or Anti-Corruption Policy
Kebijakan Perlakuan Adil terhadap Pemegang Saham
G-08 163; 295
Fair Treatment of Shareholders Policy
Pencegahan Konflik Kepentingan
G-09 204
Conflict of Interest Prevention
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Laporan Keuangan Financial Statements 360 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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2025 Annual Report | PT Bank Capital Indonesia Tbk 361
Page 364
PT BANK CAPITAL INDONESIA Tbk
LAPORAN KEUANGAN/
FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025/
FOR THE YEAR ENDED DECEMBER 31, 2025
DAN/AND
LAPORAN AUDITOR INDEPENDEN/
INDEPENDENT AUDITORS’ REPORT
Page 365
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN KEUANGAN FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
DAFTAR ISI TABLE OF CONTENTS
Laporan Auditor Independen Independent Auditors’ Report
Surat Pernyataan Direksi Directors’ Statement Letter
Halaman/
Pages
Laporan Posisi Keuangan 1-2 Statement of Financial Position
Laporan Laba Rugi dan Statement of Profit or Loss and
Penghasilan Komprehensif Lain 3-4 Other Comprehensive Income
Laporan Perubahan Ekuitas 5-6 Statements of Changes in Equity
Laporan Arus Kas 7-8 Statements of Cash Flows
Catatan atas Laporan Keuangan 9 - 121 Notes to the Financial Statements
Page 366
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No. : 00091/2.1315/AU.1/07/1938-2/1/III/2026
Laporan Auditor Independen Independent Auditors’ Report
Pemegang Saham, Dewan Komisaris dan Direksi The Shareholders, Board of Commissioners and Directors
PT Bank Capital Indonesia Tbk PT Bank Capital Indonesia Tbk
Opini Opinion
Kami telah mengaudit laporan keuangan PT Bank Capital We have audited the financial statements of PT Bank Capital
Indonesia Tbk (“Bank”), yang terdiri dari laporan posisi Indonesia Tbk (“the Bank”), which comprise the statement
keuangan tanggal 31 Desember 2025, serta laporan of financial position as at December 31, 2025, and the
laba rugi dan penghasilan komprehensif lain, laporan statement of profit or loss and other comprehensive
perubahan ekuitas, dan laporan arus kas untuk tahun income, statement of changes in equity and statement
yang berakhir pada tanggal tersebut, serta catatan atas of cash flows for the year then ended, and notes to the
laporan keuangan, termasuk informasi kebijakan akuntansi financial statements, including material accounting policy
material. information.
Menurut opini kami, laporan keuangan terlampir disajikan In our opinion, the accompanying financial statements
secara wajar, dalam semua hal yang material, posisi present fairly, in all material respects, the financial position
keuangan Bank tanggal 31 Desember 2025, serta kinerja of the Bank as at December 31, 2025, and its financial
keuangan dan arus kasnya untuk tahun yang berakhir performance and its cash flows for the year then ended,
pada tanggal tersebut, sesuai dengan Standar Akuntansi in accordance with Indonesian Financial Accounting
Keuangan di Indonesia. Standards.
Basis Opini Basis for Opinion
Kami melaksanakan audit kami berdasarkan Standar Audit We conducted our audit in accordance with Standards
yang ditetapkan oleh Institut Akuntan Publik Indonesia. on Auditing established by the Indonesian Institute of
Tanggung jawab kami menurut standar tersebut diuraikan Certified Public Accountants. Our responsibilities under
lebih lanjut dalam paragraf Tanggung Jawab Auditor those standards are further described in the Auditors’
terhadap Audit atas Laporan Keuangan pada laporan kami. Responsibilities for the Audit of the Financial Statements
Kami independen terhadap Bank berdasarkan ketentuan paragraph of our report. We are independent of the Bank in
etika yang relevan dalam audit kami atas laporan keuangan accordance with the ethical requirements that are relevant
di Indonesia, dan kami telah memenuhi tanggung jawab to our audit of the financial statements in Indonesia, and we
etika lainnya berdasarkan ketentuan tersebut. Kami yakin have fulfilled our other ethical responsibilities in accordance
bahwa bukti audit yang telah kami peroleh adalah cukup with these requirements. We believe that the audit evidence
dan tepat untuk menyediakan suatu basis bagi opini audit we have obtained is sufficient and appropriate to provide
kami. a basis for our opinion.
Hal Audit Utama Key Audit Matters
Hal audit utama adalah hal-hal yang, menurut pertimbangan Key audit matters are those matters that, in our
profesional kami, merupakan hal yang paling signifikan professional judgment, were of most significance in our
dalam audit kami atas laporan keuangan periode kini. audit of the financial statements of the current period.
Hal-hal tersebut disampaikan dalam konteks audit kami These matters were addressed in the context of our audit
atas laporan keuangan secara keseluruhan, dan dalam of the financial statements as a whole, and in forming our
merumuskan opini kami atas laporan keuangan terkait, kami opinion thereon, and we do not provide a separate opinion
tidak menyatakan suatu opini terpisah atas hal audit utama on these matters.
tersebut.
Page 367
This report is originally issued in Indonesian language.
Halaman 2 Page 2
Hal Audit Utama (Lanjutan) Key Audit Matters (Continued)
Cadangan Kerugian Penurunan Nilai atas Kredit yang Allowance for Impairment Losses of Loans
Diberikan
Pada tanggal 31 Desember 2025, saldo kredit yang As at December 31, 2025, balance of loans amounted to
diberikan adalah sebesar Rp11.074.005 juta dan saldo Rp11,074,005 million and balance of allowance for
cadangan kerugian penurunan nilai atas kredit yang impairment losses of loans amounting to Rp38,214
diberikan sebesar Rp38.214 juta. Kami fokus pada area million. We focus on this area since balance of loans and
ini karena saldo kredit yang diberikan dan cadangan its allowance for impairment losses are significant to
kerugian penurunan nilai adalah signifikan terhadap laporan the accompanying financial statements. Balance of loans
keuangan terlampir. Saldo kredit yang diberikan setelah after its allowance for impairment losses amounting to
cadangan kerugian penurunan nilai adalah sebesar Rp11,035,791 million or 39.36% of total assets.
Rp11.035.791 juta atau 39,36% dari jumlah aset.
Seperti yang dijelaskan dalam Catatan 2i, 3, dan 9 As explained in the Notes 2i, 3, and 9 to the financial
atas laporan keuangan, pembentukan cadangan kerugian statements, providing allowance for impairment losses
penurunan nilai aset keuangan membutuhkan pertimbangan on financial assets requires subjective management
manajemen yang subjektif, melibatkan estimasi dengan judgment, involves high degree of estimation uncertainty
tingkat ketidakpastian yang tinggi dan asumsi-asumsi and assumptions used in the calculation of both individual
yang digunakan dalam perhitungan cadangan kerugian and collective allowance for impairment losses including
penurunan nilai secara individual dan kolektif termasuk forward-looking macro economic factors.
faktor ekonomi makro masa depan.
Bagaimana audit kami merespons Hal Audit Utama: How our audit addressed the Key Audit Matters:
• Memperoleh pemahaman tentang metodologi dan • Obtained understanding of methodology and policies
kebijakan yang digunakan oleh Bank untuk perhitungan used by the Bank in the calculation of allowance
cadangan kerugian penurunan pinjaman yang diberikan for impairment losses for loans both collective
secara kolektif dan individual antara lain Probability and individual such as probability of default (PD),
of Default (PD), Loss Given Default (LGD) dan Exposure loss given default (LGD), exposure at default (EAD),
at Default (EAD), faktor makro ekonomi yang macro economic factors used in the forward-looking
digunakan untuk perkiraan kondisi ekonomi masa information and possible scenario of weighted-average
depan (forward looking information) dan skenario probability;
keluaran probabilitas tertimbang;
• Mereviu dan menguji proses pemberian kualitas • Reviewed and tested the process of loans collectability
pinjaman yang diberikan di Bank termasuk pinjaman determination of the Bank including restructured
yang diberikan yang mengalami proses restrukturisasi; loans;
• Untuk cadangan kerugian penurunan nilai yang dihitung • For allowance for impairment losses individually
secara individual, kami mereviu asumsi yang digunakan calculated, we reviewed the assumptions used such as
antara lain penjualan agunan dan penerimaan arus kas sale of collateral and receipt of future cash flows,
masa depan, skenario keluaran probabilitas tertimbang possible scenario of weighted-average probability used
yang digunakan dan faktor diskonto; and discount factors;
• Untuk cadangan kerugian penurunan nilai yang dihitung • For allowance for impairment losses collectively
secara kolektif, kami mereviu asumsi yang digunakan calculated, we reviewed the assumptions used in
dalam proses penentuan kesesuaian makro ekonomi the process of determining the suitability of
faktor dengan menggunakan uji regresi; kelengkapan macro economic factors using regression testing,
dan keakuratan data yang digunakan dalam pemodelan completeness and accuracy of data used in the model
dan skenario keluaran probabilitas tertimbang; and possible scenario of weighted-average probability;
• Menguji secara sampel untuk perhitungan cadangan • Tested, on a sample basis, calculations for both
kerugian penurunan nilai baik yang dihitung secara allowance for impairment losses which were calculated
individual dan kolektif. individually and collectively.
Page 368
This report is originally issued in Indonesian language.
Halaman 3 Page 3
Informasi Lain Other Information
Manajemen bertanggung jawab atas informasi lain. Management is responsible for the other information.
Informasi lain terdiri dari informasi yang tercantum The other information comprises the information included
dalam laporan tahunan, tetapi tidak termasuk laporan in the annual report, but does not include the financial
keuangan dan laporan auditor kami. Laporan tahunan statements and our auditors’ report thereon. The annual
diharapkan akan tersedia bagi kami setelah tanggal laporan report is expected to be made available to us after the date
auditor ini. of this auditors’ report.
Opini kami atas laporan keuangan tidak mencakup informasi Our opinion on the financial statements does not cover
lain, dan oleh karena itu, kami tidak menyatakan bentuk the other information and we do not express any form of
keyakinan apapun atas informasi lain tersebut. assurance conclusion thereon.
Sehubungan dengan audit kami atas laporan keuangan, In connection with our audit of the financial statements,
tanggung jawab kami adalah untuk membaca informasi lain our responsibility is to read the other information
yang teridentifikasi di atas, jika tersedia dan, dalam identified above when it becomes available and, in doing
melaksanakannya, mempertimbangkan apakah informasi so, consider whether the other information is materially
lain mengandung ketidakkonsistensian material dengan inconsistent with the financial statements or our
laporan keuangan atau pemahaman yang kami peroleh knowledge obtained in the audit, or otherwise appears to
selama audit, atau mengandung kesalahan penyajian be materially misstated.
material.
Ketika kami membaca laporan tahunan, jika kami When we read the annual report, if we conclude that
menyimpulkan bahwa terdapat suatu kesalahan there is a material misstatement therein, we are required
penyajian material di dalamnya, kami diharuskan untuk to communicate the matter to those charged with
mengomunikasikan hal tersebut kepada pihak yang governance and take appropriate actions in accordance
bertanggung jawab atas tata kelola dan mengambil with Standards on Auditing established by the Indonesian
tindakan tepat berdasarkan Standar Audit yang ditetapkan Institute of Certified Public Accountants.
oleh Institut Akuntan Publik Indonesia.
Tanggung Jawab Manajemen dan Pihak yang Bertanggung Responsibilities of Management and Those Charged with
Jawab atas Tata Kelola terhadap Laporan Keuangan Governance for the Financial Statements
Manajemen bertanggung jawab atas penyusunan dan Management is responsible for the preparation and fair
penyajian wajar laporan keuangan tersebut sesuai dengan presentation of the financial statements in accordance
Standar Akuntansi Keuangan di Indonesia, dan atas with Indonesian Financial Accounting Standards, and
pengendalian internal yang dianggap perlu oleh manajemen for such internal control as management determines is
untuk memungkinkan penyusunan laporan keuangan yang necessary to enable the preparation of financial statements
bebas dari kesalahan penyajian material, baik yang that are free from material misstatement, whether due to
disebabkan oleh kecurangan maupun kesalahan. fraud or error.
Dalam penyusunan laporan keuangan, manajemen In preparing the financial statements, management is
bertanggung jawab untuk menilai kemampuan Bank responsible for assessing the Bank’s ability to continue
dalam mempertahankan kelangsungan usahanya, as a going concern, disclosing, as applicable, matters
mengungkapkan, sesuai dengan kondisinya, hal-hal yang related to going concern and using the going concern
berkaitan dengan kelangsungan usaha, dan menggunakan basis of accounting unless management either intends
basis akuntansi kelangsungan usaha, kecuali manajemen to liquidate the Bank or to cease operations, or has no
memiliki intensi untuk melikuidasi Bank atau menghentikan realistic alternative but to do so.
operasi, atau tidak memiliki alternatif yang realistis selain
melaksanakannya.
Pihak yang bertanggung jawab atas tata kelola bertanggung Those charged with governance are responsible for
jawab untuk mengawasi proses pelaporan keuangan Bank. overseeing the Bank’s financial reporting process.
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Halaman 4 Page 4
Tanggung Jawab Auditor terhadap Audit atas Laporan Auditors’ Responsibilities for the Audit of the Financial
Keuangan Statements
Tujuan kami adalah untuk memperoleh keyakinan memadai Our objectives are to obtain reasonable assurance about
tentang apakah laporan keuangan secara keseluruhan whether the financial statements as a whole are free
bebas dari kesalahan penyajian material, baik yang from material misstatement, whether due to fraud or
disebabkan oleh kecurangan maupun kesalahan, dan untuk error, and to issue an auditors’ report that includes
menerbitkan laporan auditor yang mencakup opini kami. our opinion. Reasonable assurance is a high level of
Keyakinan memadai merupakan suatu tingkat keyakinan assurance, but is not a guarantee that an audit
tinggi, namun bukan merupakan suatu jaminan bahwa conducted in accordance with Standards on Auditing will
audit yang dilaksanakan berdasarkan Standar Audit akan always detect a material misstatement when it exists.
selalu mendeteksi kesalahan penyajian material ketika hal Misstatements can arise from fraud or error and are
tersebut ada. Kesalahan penyajian dapat disebabkan oleh considered material if, individually or in the aggregate,
kecurangan maupun kesalahan dan dianggap material they could reasonably be expected to influence the
jika, baik secara individual maupun secara agregat, dapat economic decisions of users taken on the basis of
diekspektasikan secara wajar akan memengaruhi keputusan these financial statements.
ekonomi yang diambil oleh pengguna berdasarkan laporan
keuangan tersebut.
Sebagai bagian dari suatu audit berdasarkan Standar As part of an audit in accordance with Standards on
Audit, kami menerapkan pertimbangan profesional dan Auditing, we exercise professional judgment and maintain
mempertahankan skeptisisme profesional selama audit. professional skepticism throughout the audit. We also:
Kami juga:
• Mengidentifikasi dan menilai risiko kesalahan penyajian • Identify and assess the risks of material misstatement of
material dalam laporan keuangan, baik yang disebabkan the financial statements, whether due to fraud or error,
oleh kecurangan maupun kesalahan, mendesain dan design and perform audit procedures responsive to
melaksanakan prosedur audit yang responsif terhadap those risks, and obtain audit evidence that is sufficient
risiko tersebut, serta memperoleh bukti audit yang and appropriate to provide a basis for our opinion.
cukup dan tepat untuk menyediakan basis bagi The risk of not detecting a material misstatement
opini kami. Risiko tidak terdeteksinya kesalahan resulting from fraud is higher than for one resulting
penyajian material yang disebabkan oleh kecurangan from error, as fraud may involve collusion, forgery,
lebih tinggi dari yang disebabkan oleh kesalahan, karena intentional omissions, misrepresentations, or the
kecurangan dapat melibatkan kolusi, pemalsuan, override of internal control.
penghilangan secara sengaja, pernyataan salah, atau
pengabaian pengendalian internal.
• Memperoleh suatu pemahaman tentang pengendalian • Obtain an understanding of internal control relevant to
internal yang relevan dengan audit untuk mendesain the audit in order to design audit procedures that are
prosedur audit yang tepat sesuai dengan kondisinya, appropriate in the circumstances, but not for the purpose
tetapi bukan untuk tujuan menyatakan opini atas of expressing an opinion on the effectiveness of the
keefektivitasan pengendalian internal Bank. Bank’s internal control.
• Mengevaluasi ketepatan kebijakan akuntansi yang • Evaluate the appropriateness of accounting policies
digunakan serta kewajaran estimasi akuntansi dan used and the reasonableness of accounting estimates
pengungkapan terkait yang dibuat oleh manajemen. and related disclosures made by management.
• Menyimpulkan ketepatan penggunaan basis akuntansi • Conclude on the appropriateness of management’s use
kelangsungan usaha oleh manajemen dan, berdasarkan of the going concern basis of accounting and, based
bukti audit yang diperoleh, apakah terdapat suatu on the audit evidence obtained, whether a material
ketidakpastian material yang terkait dengan peristiwa uncertainty exists related to events or conditions that
atau kondisi yang dapat menyebabkan keraguan may cast significant doubt on the Bank’s ability to
signifikan atas kemampuan Bank untuk continue as a going concern. If we conclude that a
mempertahankan kelangsungan usahanya. Ketika kami material uncertainty exists, we are required to draw
menyimpulkan bahwa terdapat suatu ketidakpastian attention in our auditors’ report to the related
material, kami diharuskan untuk menarik perhatian disclosures in the financial statements or, if such
dalam laporan auditor kami ke pengungkapan terkait disclosures are inadequate, to modify our opinion.
dalam laporan keuangan atau, jika pengungkapan Our conclusions are based on the audit evidence
tersebut tidak memadai, harus menentukan apakah obtained up to the date of our auditors’ report. However,
perlu untuk memodifikasi opini kami. Kesimpulan kami future events or conditions may cause the Bank to
didasarkan pada bukti audit yang diperoleh hingga cease to continue as a going concern.
tanggal laporan auditor kami. Namun, peristiwa atau
kondisi masa depan dapat menyebabkan Bank tidak
dapat mempertahankan kelangsungan usaha.
Page 370
Page 371
Page 372
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2025 DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
ASET ASSETS
Kas 96.181 4 65.109 Cash
Giro pada Current accounts with
Bank Indonesia 1.813.597 5 1.619.352 Bank Indonesia
Giro pada Current accounts
bank lain 172.010 6 64.523 with other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 2.694.714 7 1.449.578 Indonesia and other banks
Efek-efek 6.775.868 8 5.782.846 Marketable securities
Kredit yang diberikan 9,35 Loans
Pihak berelasi 477 434 Related parties
Pihak ketiga 11.073.528 7.832.220 Third parties
Dikurangi: cadangan Less: allowance for
kerugian penurunan nilai (38.214) (37.891) impairment losses
11.035.791 7.794.763
Piutang bunga 109.432 10 99.636 Interest receivables
Biaya dibayar di muka 4.052.111 11 4.521.023 Prepaid expenses
Aset tetap - bersih 742.925 12 765.632 Fixed assets - net
Aset pajak tangguhan 6.851 18 11.032 Deferred tax assets
Aset lain-lain 538.876 13 417.711 Other assets
JUMLAH ASET 28.038.356 22.591.205 TOTAL ASSETS
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an
terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
1
Page 373
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2025 DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 673.331 14 359.777 Obligations due immediately
Simpanan dari nasabah 18.254.018 15,35 12.572.261 Deposits from customers
Simpanan dari bank lain 752.814 16 725.275 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 1.346.597 17 2.031.910 agreements to repurchase
Utang pajak 41.335 18 31.693 Taxes payables
Liabilitas lain-lain 151.579 19 190.451 Other liabilities
Liabilitas imbalan Post-employment
pascakerja 63.818 20 56.821 benefits liabilities
JUMLAH LIABILITAS 21.283.492 15.968.188 TOTAL LIABILITIES
EKUITAS EQUITY
Share Capital - Rp100 par
Modal Saham - nilai nominal value per share
Rp100 (nilai penuh). (full amount)….
Modal dasar - Authorized capital -
79.000.000.000 saham 79,000,000,000 shares…
Modal ditempatkan dan Issued and fully paid
disetor penuh capital - 19,953,024,885
19.953.024.885 saham 1.995.302 21 1.995.302 shares….
Tambahan modal
disetor - neto 21.363 22 21.363 Additional paid-in capital - net
Uang muka setoran modal 3.000.000 23 3.000.000 Advance for share subscription
Keuntungan yang belum
direalisasi atas aset Unrealized gain
keuangan yang diukur pada from financial asset
nilai wajar melalui measured at fair
penghasilan komprehensif value through other
lain - neto 253.923 246.923 comprehensive income - net
Kerugian pengukuran kembali Loss on remeasurement
atas program imbalan of defined benefits
pasti - neto (22.471) (21.333) plan - net
Surplus revaluasian aset Revaluation surplus arising
tetap - neto 201.800 24 206.501 from fixed assets - net
Saldo laba Retained earnings
Telah ditentukan
penggunaannya 65.611 63.611 Appropriated
Belum ditentukan
penggunaannya 1.239.336 1.110.650 Unappropriated
JUMLAH EKUITAS 6.754.864 6.623.017 TOTAL EQUITY
JUMLAH LIABILITAS TOTAL LIABILITIES
DAN EKUITAS 28.038.356 22.591.205 AND EQUITY
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an
terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
2
Page 374
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
Pendapatan bunga 1.491.241 27 979.700 Interest income
Beban bunga (937.643) 28 (1.032.545) Interest expenses
Pendapatan (beban) Interest income
bunga - neto 553.598 (52.845) (expenses) - net
Pendapatan operasional lainnya Other operating income
Provisi dan komisi 186.176 29 875.442 Fees and commission
Keuntungan (kerugian) dari Gain (loss) on sale of
penjualan efek-efek - neto (14.855) 4.488 securities - net
Keuntungan (kerugian) selisih Gain (loss) on changes in
kurs mata uang asing - neto 2.117 (11.136) foreign exchange - net
Keuntungan yang belum Unrealized gains from
direalisasi dari perubahan changes in the fair value of
nilai wajar efek-efek 25.072 7.604 securities
Lain-lain 456.377 30 89.594 Others
Jumlah pendapatan
operasional lainnya 654.887 965.992 Total other operating income
Pembentukan cadangan Provision for
kerugian penurunan nilai aset Impairment losses
keuangan (4.174) 33 (21.739) on financial assets
Beban operasional lainnya Other operating expenses
Salaries and
Gaji dan tunjangan karyawan (226.573) 32 (210.187) employee allowances
General and
Umum dan administrasi (795.211) 31 (530.017) administrative
Jumlah beban Total other
operasional lainnya (1.021.784) (740.204) operating expense
LABA OPERASIONAL 182.527 151.204 OPERATING INCOME
Beban non operasional - neto (19.271) (7.715) Non-operating expense - net
PROFIT BEFORE
LABA SEBELUM BEBAN PAJAK 163.256 143.489 TAX EXPENSE
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an
terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
3
Page 375
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Express ed in million Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
BEBAN PAJAK PENGHASILAN 18 INCOME TAX EXPENSE
Kini (32.769) (32.856) Current
Tangguhan (4.502) (1.255) Deferred
Jumlah beban pajak - neto (37.271) (34.111) Total tax expense - net
LABA BERSIH TAHUN BERJALAN 125.985 109.378 NET INCOME FOR THE YEAR
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE
LAIN INCOME
Pos-pos yang tidak akan Items that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
Changes in revaluation
Perubahan dalam surplus surplus arising from
revaluasi aset tetap - 79.243 fixed assets….
Pengukuran kembali atas Remeasurement of defined
liabilitas imbalan pasti (1.138) (7.191) benefits liabilities….
Pos-pos yang akan direklasifikasi Items that will be
ke laba rugi: reclassified to profit or loss:
Keuntungan yang belum Unrealized gain on
direalisasi atas efek-efek from financial asset
yang diklasifikasikan measured at fair
sebagai nilai wajar value through
melalui penghasilan other comprehensive
komprehensif lain 7.000 39.408 income - net
a
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE
LAIN TAHUN BERJALAN - INCOME FOR
SETELAH PAJAK 5.862 111.460 THE YEAR - NET OF TAX
JUMLAH PENGHASILAN
KOMPREHENSIF TAHUN TOTAL COMPREHENSIVE
BERJALAN 131.847 220.838 INCOME FOR THE YEAR
LABA PER SAHAM BASIC EARNINGS
DASAR (nilai penuh) 6,31 5,48 PER SHARE (full amount)
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an
terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
4
Page 376
These Financial Statements are Originally
issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Jutaan Rupiah, kecuali dinyatakan lain) (Expressed in Million Rupiah, unless otherwise stated)
Keuntungan yang
belum direalisasi
atas aset
keuangan yang
diukur pada nilai
wajar melalui Kerugian
penghasilan pengukuran
komprehensif lain kembali atas Surplus
- neto/ program revaluasian
Modal Tambahan Unrealized gain imbalan aset
ditempatkan modal Uang muka from financial pasti - neto/ tetap - neto/
dan disetor disetor - setoran asset measured at Loss on Revaluation Saldo laba (defisit) /
penuh/ bersih/ Modal/ fair value through remeasurement surplus Retained earning (deficit)
Issued and Additional Advance for other of defined arising Telah ditentukan Belum ditentukan Jumlah
Catatan/ fully paid paid-in share comprehensive benefits from fixed penggunaannya/ penggunaannya/ ekuitas/
Notes capital capital - net subscription income - net plan - net assets - net Appropriated Unappropriated Total equity
Balance as of
Saldo 1 Januari 2024 1.995.302 21.363 - 207.515 (14.142) 127.258 61.611 991.413 3.390.320 January 1, 2024
Laba bersih - - - - - - - 109.378 109.378 Net income
Advance for
Uang muka setoran modal - - 3.000.000 - - - - - 3.000.000 share subscription
Pengukuran kembali atas Remeasurement of liabilities
program imbalan pasti - (7.191) - - - (7.191) for employee benefits
Keuntungan yang belum Unrealized gain on
direalisasi atas efek-efek yang securities at fair
diukur pada nilai wajar melalui value through other
penghasilan komprehensif lain - - - 39.408 - - - - 39.408 comprehensive income
Surplus revaluasi - - - 91.102 - - 91.102 Revaluation surplus
Difference on
Selisih penyusutan nilai depreciation at revalued
revaluasi dan nilai perolehan 24 - - - - - (11.859) - 11.859 - amount and cost
Cadangan umum 25 - - - - - - 2.000 (2.000) - Statutory reserve
Balance as of
Saldo 31 Desember 2024 1.995.302 21.363 3.000.000 246.923 (21.333) 206.501 63.611 1.110.650 6.623.017 December 31, 2024
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
5
Page 377
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Jutaan Rupiah, kecuali dinyatakan lain) (Expressed in Million Rupiah, unless otherwise stated)
Keuntungan yang
belum direalisasi
atas aset
keuangan yang
diukur pada nilai
wajar melalui Kerugian
penghasilan pengukuran
komprehensif lain kembali atas Surplus
- neto/ program revaluasian
Modal Tambahan Unrealized gain imbalan aset
ditempatkan modal Uang muka from financial pasti - neto/ tetap - neto/
dan disetor disetor - setoran asset measured at Loss on Revaluation Saldo laba (defisit) /
penuh/ bersih/ Modal/ fairvalue through remeasurement surplus Retained earning (deficit)
Issued and Additional Advance for other of defined arising Telah ditentukan Belum ditentukan Jumlah
Catatan/ fully paid paid-in share comprehensive benefits from fixed penggunaannya/ penggunaannya/ ekuitas/
Notes capital capital - net subscription income - net plan - net assets - net Appropriated Unappropriated Total equity
Balance as of
Saldo 31 Desember 2024 1.995.302 21.363 3.000.000 246.923 (21.333) 206.501 63.611 1.110.650 6.623.017 December 31, 2024
Laba bersih - - - - - - - 125.985 125.985 Net income
Pengukuran kembali atas Remeasurement of liabilities
program imbalan pasti - - - - (1.138) - - - (1.138) for employee benefits
Keuntungan yang belum Unrealized gain
direalisasi atas efek-efek yang on securities at fair
diukur pada nilai wajar melalui value through other
penghasilan komprehensif lain - - - 7.000 - - - - 7.000 comprehensive income
Difference on
Selisih penyusutan nilai depreciation at revalued
revaluasi dan nilai perolehan 24 - - - - - (4.701) - 4.701 - amount and cost
Cadangan umum 25 - - - - - - 2.000 (2.000) - Statutory reserve
Balance as of
Saldo 31 Desember 2025 1.995.302 21.363 3.000.000 253.923 (22.471) 201.800 65.611 1.239.336 6.754.864 December 31, 2025
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
6
Page 378
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
OPERASI OPERATING ACTIVITIES
Penerimaan bunga, provisi, Interest, fees, and
dan komisi 1.667.621 1.855.142 commissions received
Pembayaran bunga kepada
nasabah (908.130) (1.032.545) Interest paid to customer
Pembayaran beban umum dan Payments of general and
administrasi (743.226) (490.298) administrative expense
Pembayaran beban tenaga kerja Payments of personnel
dan tunjangan (226.573) (210.187) expenses and benefit
Penerimaan kas dari
pendapatan operasional Cash received from other
lainnya 468.711 29.093 operating income
Pembayaran beban non- Payment of non-operating
operasional (19.271) (7.715) expense
Pembayaran pajak penghasilan (25.212) (34.084) Income tax payment
Arus kas sebelum perubahan Cash flows before
dalam aset dan liabilitas changes in operating
operasi 213.920 109.406 assets and liabilities
Penurunan (kenaikan) aset Decrease (increase)
operasi: in operating assets:
Efek-efek (986.022) (2.135.012) Securities
Kredit (3.241.351) (772.680) Loans
Aset lain-lain 350.468 674.566 Other assets
Kenaikan (penurunan) pada Increase (decrease)
liabilitas operasional In operating liabilities
Simpanan dari nasabah 5.681.757 53.838 Deposits from customers
Simpanan dari bank lain 27.539 (143.441) Deposits from other banks
Utang pajak 2.085 9.633 Taxes payables
Obligations due immediately,
Liabilitas segera, efek-efek yang Securities sold under
dijual dengan janji dibeli agreements to repurchase
kembali dan liabilitas lain-lain (436.986) 236.711 and other liabilities
Kas bersih diperoleh dari Net cash provided by
(digunakan untuk) aktivitas (used in)
operasi 1.611.410 (1.966.979) operating activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
INVESTASI INVESTING ACTIVITIES
Perolehan aset tetap (33.470) 12 (57.533) Purchase of fixes assets
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an
terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
7
Page 379
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOW
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
PENDANAAN FINANCING ACTIVITIES
Advance for
Uang muka setoran modal - 3.000.000 share subscription
KENAIKAN NETO NET INCREASE
KAS DAN IN CASH AND
SETARA KAS 1.577.940 975.488 CASH EQUIVALENTS
CASH AND CASH
KAS DAN SETARA KAS EQUIVALENT AT
AWAL TAHUN 3.198.562 2.223.074 BEGINNING OF THE YEAR
CASH AND CASH
KAS DAN SETARA KAS EQUIVALENT AT
AKHIR TAHUN 4.776.502 3.198.562 END OF THE YEAR
Rincian kas dan setara kas Details of cash and cash
adalah sebagai berikut: equivalents are as follows:
Kas 96.181 65.109 Cash
Current accounts
Giro pada Bank Indonesia 1.813.597 1.619.352 with Bank Indonesia
Current accounts
Giro pada bank lain 172.010 64.523 with other banks
Placements with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 2.694.714 1.449.578 other banks
Jumlah 4.776.502 3.198.562 Total
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an
terpisahkan dari Laporan Keuangan secara keseluruhan integral part of the Financial Statements taken as a whole
8
Page 380
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
a. Pendirian dan Informasi Umum a. Establishment and General Information
PT Bank Capital Indonesia Tbk (“Bank”) didirikan PT Bank Capital Indonesia Tbk (“the Bank”) was
berdasarkan Akta Pendirian No. 139 tanggal established based on the Deed No. 139 dated
20 April 1989 yang kemudian diubah dengan Akta April 20, 1989 which was then amended by Deed
Perubahan No. 58 tanggal 3 Mei 1989, keduanya No. 58 dated May 3, 1989, both made in the
dibuat di hadapan Nyonya Siti Pertiwi Henny Shidki, presence of Siti Pertiwi Henny Shidki, S.H., Notary in
S.H., Notaris di Jakarta dengan nama PT Bank Credit Jakarta under the name of PT Bank Credit Lyonnais
Lyonnais Indonesia. Akta Pendirian tersebut telah Indonesia. The Deed of Establishment has been
memperoleh pengesahan dari Menteri Kehakiman approved by the Minister of Justice of the Republic of
Republik Indonesia dengan Surat Keputusan Indonesia in its Decision Letter
No. C2-4773.HT.01.01.TH.89 tanggal 27 Mei 1989 No. C2-4773.HT.01.01.TH.89 dated May 27, 1989,
dan telah diumumkan dalam Berita Negara Republik and was published in the State Gazette of Republic
Indonesia No. 45 tanggal 5 Juni 1990, Tambahan No. of Indonesia No. 45 dated
1995. Nama Bank telah diubah menjadi PT Bank June 5, 1990, Supplement No. 1995. The Bank’s
Capital Indonesia berdasarkan Akta Notaris No. 1 name had been changed to PT Bank Capital
tanggal 1 September 2004 yang dibuat di hadapan Indonesia based on the Deed No. 1 dated
Sri Hasmiarti, S.H., Notaris di Jakarta. Perubahan September 1, 2004 of Sri Hasmiarti, S.H., Notary in
nama tersebut telah disahkan oleh Menteri Jakarta. The Deed of Amendment of the Bank’s
Kehakiman dan Hak Asasi Manusia Republik name was approved by the Minister of Law and
Indonesia dengan Surat Keputusan Human Rights of the Republic of Indonesia in its
No. C24209.HT.01.04.TH-2.2004 tanggal Decision Letter No.C24209.HT.01.04.TH.2004
29 September 2004 dan telah diumumkan dalam dated September 29, 2004 and was published in the
Berita Negara Republik Indonesia No. 101 tanggal State Gazette of the Republic of Indonesia No. 101
17 Desember 2004, Tambahan No. 12246. dated December 17, 2004, Supplement No. 12246.
Anggaran Dasar Bank telah beberapa kali mengalami The Bank’s Articles of Association have been
perubahan, terakhir dituangkan dalam Akta No. 22 amended several times, most recently by Deed
tanggal 12 Oktober 2023 dari Mahendra Adinegara, No. 22 dated October 12, 2023 of Mahendra
S.H., M.Kn., Notaris di Jakarta, mengenai Adinegara, S.H., M.Kn., Notary in Jakart, regarding
peningkatan modal dasar Bank menjadi the increase of Bank’s capital to 79,000,000,000
79.000.000.000 saham. Akta Perubahan ini telah shares. The Deed of Amendment has been approved
disahkan oleh Menteri Hukum dan Hak Asasi by the Minister of Law and Human Rights of the
Manusia Republik Indonesia berdasarkan Surat Republic Indonesia in its Decision Letter
Keputusan No. AHU-0203952.AH.01.11. Tahun No. AHU-0203952.AH.01.11. Tahun 2023 dated
2023 tanggal 13 Oktober 2023. Berdasarkan Pasal October 13, 2023. In accordance with Article 3 of the
3 Anggaran Dasar Bank, maksud dan tujuan serta Bank’s Articles of Association the Bank’s scope of
kegiatan usaha Bank adalah melakukan usaha di activities is to engage in general banking services in
bidang perbankan sesuai dengan ketentuan accordance with prevailing laws and regulations. The
peraturan perundangan yang berlaku. Bank telah Bank commenced its commercial operations since
beroperasi secara komersial sejak tahun 1989. Bank 1989. The Bank is a national private foreign
adalah sebuah bank umum devisa berdasarkan exchange bank based on the Decision Letter of the
Surat Keputusan Menteri Keuangan Republik Minister of Finance of the Republic of Indonesia
Indonesia No. 1199/ KMK.013/1989 tanggal No. 1199/KMK.013/1989 dated October 25, 1989
25 Oktober 1989 dan Surat Bank Indonesia and Bank Indonesia Letter No. 22/946/UPPS/PSD
No. 22/946/UPPS/PSD tanggal 26 Desember 1989. dated December 26, 1989.
Entitas induk Bank adalah PT Capital Global The Bank’s parent entity is PT Capital Global
Investama yang juga merupakan pemegang saham Investama, which is also the majority shareholder.
mayoritas.
9
Page 381
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
a. Pendirian dan Informasi Umum (Lanjutan) a. Establishment and General Information (Continued)
Kantor pusat Bank beralamat di Gedung Menara The Bank’s head office is located at Gedung Menara
Jamsostek Lt. 6, Jl. Jenderal Gatot Subroto Kav. 38, Jamsostek, Jl. Jendral Gatot Subroto Kav. 38, South
Jakarta Selatan. Bank memiliki 1 (satu) Kantor Pusat Jakarta. The Bank has 1 (one) operational head
Operasional, 5 (lima) kantor cabang, 68 (enam puluh office, 5 (five) branches, 68 (sixty-eight)
delapan) kantor cabang pembantu. sub-branches.
b. Penawaran Umum Bank b. The Bank’s Publik Offering
Penawaran umum saham Public offerings of shares
Sesuai keputusan Rapat Umum Pemegang Saham Based on the resolution of the General Meeting
pada tanggal 13 Juli 2007, yang dituangkan dalam of Shareholder held on July 13, 2007,
Akta No. 60 tanggal 17 Juli 2007 dari Eliwaty Tjitra, as outlined by Deed No. 60 dated July 17, 2007
S.H., Notaris di Jakarta yang telah disahkan oleh of Eliwaty Tjitra, S.H., Notary in Jakarta
Menteri Hukum dan Hak Asasi Manusia Republik approved by the Minister of Law and Human
Indonesia berdasarkan Surat Keputusan No. W7- Rights of the Republic of Indonesia in its
07975.HT.01.04 - TH.2007 tanggal 17 Juli 2007 dan Decision Letter No. W7-07975.HT.01.04 - TH.2007
telah diumumkan dalam Berita Negara Republik dated July 17, 2007 and as announced in the State
Indonesia No. 08 tanggal 25 Januari 2008 tambahan Gazette of the Republic of Indonesia No. 08 dated
No. 821/2008, para pemegang saham Bank telah January 25, 2008, Supplement No. 821/2008, the
menyetujui untuk melakukan penawaran umum Bank's shareholders have approved to conduct a
saham kepada masyarakat. public offering of shares to the public.
Sesuai dengan keputusan Rapat Umum Pemegang Based on the resolution of the General Meeting of
Saham tanggal 17 Juli 2007, maka pada tanggal Shareholder on July 17, 2007, on October 1, 2007
1 Oktober 2007 telah dilakukan penjatahan saham there is shares allotment which the number of
di mana saham yang dikeluarkan dan ditawarkan shares offered to the public was 500,000,000
kepada masyarakat sebanyak 500.000.000 lembar shares with par value of Rp100 (full amount) per
saham dengan nilai nominal Rp100 (nilai penuh) per share, at the offering price of Rp150 (full amount)
lembar saham dan harga penawaran Rp150 (nilai Per share which share were registered in Jakarta
penuh) per lembar saham di mana saham-saham Stock Exchange (currently Indonesia Stock
tersebut telah didaftarkan di Bursa Efek Jakarta Exchange) as outlined in the Deed No. 62 dated
(sekarang Bursa Efek Indonesia), yang dituangkan October 10, 2007 of Eliwaty Tjitra, S.H., Notary in
dalam Akta No. 62 tanggal 10 Oktober 2007 dari Jakarta and Letter of the Chairman of Bapepam-LK
Eliwaty Tjitra, S.H., Notaris di Jakarta dan surat No. S4776/BL/2007 dated September 20, 2007.
Ketua Bapepam-LK No. S4776/BL/2007 tanggal
20 September 2007.
Para pemegang saham Bank telah menyetujui The shareholders of the Bank approved the Bank’s
Penawaran Umum Terbatas I disertai dengan Pre-emptive Rights Issue I attached with the
penerbitan Waran dalam rangka Hak Memesan Efek issuance of Warrants through the Extraordinary
Terlebih Dahulu (HMETD) melalui Rapat Umum General Meeting of Shareholders held on
Pemegang Saham Luar Biasa yang diadakan pada June 24, 2009, and obtained effective notice from
tanggal 24 Juni 2009, dan telah memperoleh Capital Market and Financial Institutions Supervisory
pernyataan efektif dari Badan Pengawas Pasar Agency (Bapepam-LK) in its Decision Letter
Modal dan Lembaga Keuangan (Bapepam-LK) No. S-5535/BL/2009 dated June 24, 2009.
melalui Surat Keputusan No. S-5535/BL/2009
tanggal 24 Juni 2009.
10
Page 382
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
b. Penawaran Umum Bank (Lanjutan) b. The Bank’s Publik Offering (Continued)
Penawaran umum saham (Lanjutan) Public offerings of shares (Continued)
Dalam penawaran ini dikeluarkan saham baru In this offering, the Bank issued 3,021,764,416
Perseroan sebanyak 3.021.764.416 saham dengan shares with par value of Rp100 (full amount) per
nilai nominal sebesar Rp100 (nilai penuh) setiap share. Each holder of 1 (one) common share listed in
saham. Setiap pemegang 1 (satu) saham biasa atas the Register of Shareholders has right to purchase
nama yang tercatat dalam Daftar Pemegang Saham 2 (two) common shares at execution price of Rp101
mempunyai hak untuk membeli 2 (dua) saham biasa (full amount) per share. The Bank also issued
dengan harga Rp101 (nilai penuh) per saham. Bank 503,627,403 Series I Warrants attaching the right
secara bersamaan menerbitkan sebanyak issued on the execution of the Pre-emptive right with
503.627.403 lembar Waran Seri I yang menyertai par value of Rp100 (full amount) per share. The
seluruh saham hasil pelaksanaan HMETD dengan amount of 18,206,033 share has been issued in
nilai nominal sebesar Rp100 (nilai penuh) setiap connection with the exercise of warrants.
saham. Sejumlah 18.206.033 lembar saham telah
diterbitkan sehubungan dengan pelaksanaan waran
tersebut.
Para pemegang saham Bank telah menyetujui untuk The shareholders of the Bank approved the Bank’s
melakukan Penawaran Umum Terbatas II disertai Pre-emptive Rights Issue II attached with the
dengan penerbitan Waran dalam rangka HMETD issuance of Warrants through the Extraordinary
melalui Rapat Umum Pemegang Saham Luar Biasa General Meeting of Shareholders held on
yang diadakan pada tanggal 25 September 2013, September 25, 2013, and obtained effective notice
dan telah memperoleh pernyataan efektif dari from Financial Service Authority (“OJK”) in its
Otoritas Jasa Keuangan (“OJK”) melalui Surat Decision Letter No. S-276/D.04/2013 dated
Keputusannya No. S 276/D.04/2013 tanggal September 24, 2013. In this offering, the Bank
24 September 2013. Dalam penawaran ini issued 1,846,563,453 shares with par value of
dikeluarkan saham baru Bank sebanyak Rp100 (full amount) per share. Each holder of 537
1.846.563.453 saham dengan nilai nominal sebesar (five hundred thirty-seven) common share listed in
Rp100 (nilai penuh) setiap saham. Setiap pemegang the Register of Shareholders has right to purchase
537 (lima ratus tiga puluh tujuh) saham biasa atas 236 (two hundred thirty-six) common shares at
nama yang namanya tercatat dalam Daftar execution price of Rp102 (full amount) per share.
Pemegang Saham mempunyai hak untuk membeli
236 (dua ratus tiga puluh enam) saham biasa
dengan harga Rp102 (nilai penuh) per saham.
Bank secara bersamaan menerbitkan sebanyak The Bank also issued 1,470,411,587 Series II
1.470.411.587 lembar Waran Seri II yang menyertai Warrants attached to the rights issued on the
seluruh saham hasil pelaksanaan HMETD dengan execution of the Pre-emptive Rights with par value of
nilai nominal sebesar Rp100 (nilai penuh) setiap Rp100 (full amount) per share.
saham.
Untuk setiap 54 (lima puluh empat) saham Each of every 54 (fifty-four) shares issued as the
pelaksanaan HMETD tersebut melekat 43 (empat execution of the Pre-emptive Right, is attached
puluh tiga) Waran Seri II yang diberikan secara cuma- with 43 (forty three) Series II Warrants at nil
cuma sebagai insentif bagi pemegang saham Bank consideration as an incentive to the shareholders of
dan/atau pemegang HMETD yang melaksanakan the Bank and/or the holders of the Pre-emptive
haknya. Rights who exercise their rights.
11
Page 383
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
b. Penawaran Umum Bank (Lanjutan) b. The Bank’s Publik Offering (Continued)
Penawaran umum saham (Lanjutan) Public offerings of shares (Continued)
Waran Seri II adalah efek yang memberikan hak The Series II Warrants are securities that
kepada pemegangnya untuk membeli saham yang entitle the holder to purchase the shares
bernilai nominal Rp100 (nilai penuh) yang dapat with par value of Rp100 (full amount) within
dilaksanakan selama periode pelaksanaan Waran 5 (five) years, commencing from April 23, 2014
selama 5 (lima) tahun yaitu mulai tanggal until October 8, 2018, whereby each holder
23 April 2014 sampai dengan tanggal of 1 (one) Warrant is entitled to purchase
8 Oktober 2018 dimana setiap pemegang 1 (satu) 1 (one) share of the Bank at an exercised price
Waran berhak untuk membeli 1 (satu) saham Bank Rp100 per share. Shares issued as result
dengan harga pelaksanaan Rp100 per saham. of Pre-emptive Right and Series II Warrants exercised
Saham hasil pelaksanaan HMETD dan hasil offered in this Pre-emptive Rights Issue II were
pelaksanaan Waran Seri II yang ditawarkan melalui issued from the Bank’s shares in portfolio and will
Penawaran Umum Terbatas II ini seluruhnya be listed in the Indonesian Stock Exchange.
merupakan saham yang dikeluarkan dari Portepel
Bank dan akan dicatatkan di Bursa Efek Indonesia.
Para pemegang saham Bank telah menyetujui untuk The shareholders of the Bank approved the
melakukan Penawaran Umum Terbatas III disertai Bank’s Pre-emptive Rights Issue III attached with
dengan penerbitan Waran dalam rangka Hak the issuance of Warrants through the
Memesan Efek Terlebih Dahulu (HMETD) melalui Extraordinary General ting of Shareholders held
Rapat Umum Pemegang Saham Luar Biasa yang on December 18, 2015, and obtained effective
diadakan pada tanggal 18 Desember 2015, dan notice from OJK through its Decision Letter
telah memperoleh pernyataan efektif dari OJK No. S-620/D.04/2015 dated December 17, 2015.
melalui Surat Keputusannya No. S-620/D.04/2015 In this offering, the Bank issued 632,545,991
tanggal 17 Desember 2015. Dalam penawaran ini shares with par value of Rp100 (full amount)
dikeluarkan saham baru Bank sebanyak per share on January 6 - 12, 2016.
632.545.991 saham dengan nilai nominal sebesar
Rp100 (nilai penuh) saham pada tanggal
pelaksanaan 6 - 12 Januari 2016.
Setiap pemegang 81 (delapan puluh satu) Saham Each holder of 81 (eighty one) common share listed
Biasa Atas Nama yang namanya tercatat dalam in the Register of Shareholders has a right to
Daftar Pemegang Saham mempunyai hak untuk purchase 8 (eight) common shares at execution
membeli 8 (delapan) saham biasa dengan harga price of Rp102 (full amount) per share.
Rp102 (nilai penuh) per saham.
Bank secara bersamaan menerbitkan sebanyak The Bank also issued 632,545,991 sahres Series III
632.545.991 lembar Waran Seri III yang menyertai Warrants attached to the rights issued on the
seluruh saham hasil pelaksanaan HMETD dengan execution of the Pre-emptive rights with par value of
nilai nominal sebesar Rp100 (nilai penuh) setiap Rp100 (full amount) per share. Each of every
saham. Untuk setiap 8 (delapan) saham 8 (eight) shares issued as the execution of the Pre-
pelaksanaan HMETD tersebut melekat 8 (delapan) emptive right, is attached with 8 (eight) Series III
Waran Seri III yang diberikan secara cuma-cuma Warrant at nil consideration as an incentive to the
sebagai insentif bagi pemegang saham Bank shareholders of the Bank and/or the holders of the
dan/atau pemegang HMETD yang melaksanakan Pre-emptive rights who exercise their rights.
haknya.
12
Page 384
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
b. Penawaran Umum Bank (Lanjutan) b. The Bank’s Publik Offering (Continued)
Penawaran umum saham (Lanjutan) Public offerings of shares (Continued)
Waran Seri III adalah efek yang memberikan The Series III Warrants are securities that entitle
hak kepada pemegangnya untuk membeli saham the holder to purchase the shares with par value
yang bernilai nominal Rp100 (nilai penuh) of Rp100 (full amount) within 7 (seven)
yang dapat dilaksanakan selama periode years, commencing from July 6, 2016 until
pelaksanaan waran selama 7 (tujuh) tahun yaitu December 1, 2022, whereby each holder of 1 (one)
mulai tanggal 6 Juli 2016 sampai dengan tanggal Warrant is entitled to purchase 1 (one) share of the
1 Desember 2022 di mana setiap pemegang 1 (satu) Bank at an exercised price Rp102 per share.
waran berhak untuk membeli 1 (satu) saham Bank Shares issued as result of Pre-emptive right
dengan harga pelaksanaan Rp102 per saham. and Serie III Warrants exercised which offered in
Saham hasil pelaksanaan HMETD dan hasil this Pre-emptive Rights Issue III were issued from
pelaksanaan Waran Seri III yang ditawarkan melalui the Bank’s shares in portfolio and will be listed in the
Penawaran Umum Terbatas III ini seluruhnya Indonesian Stock Exchange.
merupakan saham yang dikeluarkan dari portepel
Bank dan akan dicatatkan di Bursa Efek Indonesia.
Jumlah saham Bank yang tercatat di Bursa The number of Bank shares listed on the Indonesia
Efek Indonesia sebanyak 19.953.024.885 lembar Stock Exchange was 19,953,024,885 shares
saham dan 7.078.002.482 lembar saham masing- and 7,078,002,482 shares as of
masing pada tanggal 31 Desember 2022 dan December 31, 2022 and 2021. Meanwhile, the
31 Desember 2021. Sedangkan jumlah Waran number of Warrants was nill and 623,535,728
sebanyak nihil lembar pada tanggal respectively as of December 31, 2022 and
31 Desember 2022 dan 623.535.728 lembar December 31, 2021.
masing-masing pada tanggal 31 Desember 2021.
Pada tanggal 31 Desember 2014, Bank memperoleh On December 31, 2014, the Bank obtained the
pernyataan efektif dari OJK dengan surat effective notice from the OJK in the letter
No. S-583/D.04/2014 untuk melakukan penawaran No. S-583/D.04/2014 for the Bank’s continuous
umum Obligasi Subordinasi Bank Capital I Tahun public offering of Obligasi Subordinasi Bank Capital I
2014 kepada masyarakat dengan nilai nominal Tahun 2014 with a nominal value of Rp200,000. On
sebesar Rp200.000. Pada tanggal 14 Januari 2015, January 14, 2015, all of the bonds have been listed
seluruh obligasi tersebut telah dicatatkan pada on the Indonesia Stock Exchange.
Bursa Efek Indonesia.
Pada 31 Desember 2015, Bank memeroleh On December 31, 2015, the Bank obtained the
pernyataan efektif dari OJK dengan surat effective notice from the OJK in the letter
No. S-385/D.01/2015 untuk melakukan penawaran No. S-385/D.01/2015 for the Bank’s continuous
umum Obligasi Subordinasi Bank Capital II Tahun public offering of Obligasi Subordinasi Bank Capital
2015 kepada masyarakat dengan nilai nominal II Tahun 2015 with a nominal value of Rp250,000.
sebesar Rp250.000. Pada tanggal 15 Januari 2016, On January 15, 2016, all of the bonds have been
seluruh obligasi tersebut telah dicatatkan pada listed on the Indonesia Stock Exchange.
Bursa Efek Indonesia.
Pada tanggal 9 Juni 2017, Bank memperoleh On June 9, 2017 the Bank obtained the effective
pernyataan efektif dari OJK dengan surat notice from the OJK in the letter
No. S-48/PB/33/2017 untuk melakukan penawaran No. S-48/PB/33/2017 for the Bank’s continuous
umum Obligasi Subordinasi Bank Capital III tahun public offering of Obligasi Subordinasi Bank Capital
2017 kepada masyarakat dengan nilai nominal III Tahun 2017 with a nominal value of Rp250,000.
sebesar Rp250.000. Pada tanggal 10 Mei 2017, On May 10, 2017, all of the bonds have been listed
seluruh obligasi tersebut telah dicatatkan di Bursa on the Indonesian Stock Exchange.
Efek Indonesia.
13
Page 385
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
c. Dewan Komisaris, Direksi, dan Karyawan c. Board of The Commissioners, Directors, and
Employees
Susunan Dewan Komisaris dan Direksi Bank pada The composition of the Board of Commissioners
tanggal 31 Desember 2025 dan 2024 adalah and Directors of the Bank on December 31, 2025
sebagai berikut: and 2024 are as follows:
2025 2024
Dewan Komisaris Board of Commissioners
Komisaris Utama Danny Nugroho1) Danny Nugroho1) President Commissioner
Komisaris Independen Peter Kurniawan8) Peter Kurniawan8) Independent Commissioner
Komisaris Independen Andrey Jayanto14) Andrey Jayanto14) Independent Commissioner
Direksi Board of Directors
Direktur Utama Kurniawan Halim12) Kurniawan Halim12) President Director
Direktur Yenny Hoo10) Yenny Hoo10) Director
Direktur Harri Setia Budhi9) Harri Setia Budhi9) Director
Direktur Lim Migi Trisnadi Elias6) Lim Migi Trisnadi Elias6) Director
Direktur Febriyanti Ika Sari13) Febriyanti Ika Sari13) Director
1) Berdasarkan persetujuan BI No. 6/69/DGS/ 1) Based on BI approval No. 6/69/DGSI/DPIP/
DPIP/Rahasia. Confidential.
2) Berdasarkan persetujuan BI No. 11/59/GBI/ 2) Based on BI approval No. 11/59/GBI/
DPIP/Rahasia. DPIP/Confidential.
3) Berdasarkan persetujuan OJK No. KEP- 3) Based on OJK Approval No. SR-
173/D.03/2017. 173/D.03/2017.
4) Berdasarkan persetujuan OJK No. SR-173 4) Based on OJK Approval No. SR-
/D.03/2014. 173/D.03/2014.
5) Berdasarkan persetujuan BI No. SR- 5) Based on BI approval No. SR-
56/D.03/2015. 56/D.03/2015.
6) Berdasarkan persetujuan OJK No. KEP- 6) Based on OJK approval No. KEP-
139/D.03/2022. 139/D.03/2022.
7) Berdasarkan persetujuan OJK No. SR-155 7) Based on OJK Approval No. SR-
/D.03/2014. 155/D.03/2014.
8) Berdasarkan persetujuan OJK No. KEP- 8) Based on OJK Approval No. SR-
162/D.03/2021. 162/D.03/2021.
9) Berdasarkan persetujuan OJK No. KEP- 9) Based on OJK Approval No. SR-
159/D.03/2021. 159/D.03/2021.
10) Berdasarkan persetujuan OJK No. KEP- 10) Based on OJK Approval No. SR-
128/D.03/2021. 128/D.03/2021.
11) Berdasarkan persetujuan OJK No. KEP- 11) Based on OJK Approval No. KEP-
138/D.03/2022. 138/D.03/2022.
12) Berdasarkan persetujuan OJK No. KEPR- 12) Based on OJK Approval No. KEPR-
15/D.03/2023. 15/D.03/2023.
13) Berdasarkan persetujuan OJK No. KEPR- 13) Based on OJK Approval No. KEPR-
25/D.03/2023. 25/D.03/2023.
14) Berdasarkan persetujuan OJK No. KEPR- 14) Based on OJK Approval No. KEPR-
30/D.03/2023. 30/D.03/2023.
14
Page 386
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
1. INFORMASI UMUM (Lanjutan) 1. GENERAL INFORMATION (Continued)
c. Dewan Komisaris, Direksi, dan Karyawan (Lanjutan) c. Board of Commissioners, Directors, and Employees
(Continued)
Ruang lingkup wewenang Direktur Utama mencakup The scope of President Director’s authority included
branch banking, sumber daya manusia, audit branch banking, human resources, internal audit,
internal, business development dan anti-fraud, business development and anti-fraud, Director
Direktur merangkap Direktur Kepatuhan mencakup concurrent as Compliance Director authority
bidang sistem dan prosedur, kepatuhan, legal, dan includes system and procedure, compliance, legal,
manajemen risiko, Direktur Operasional mencakup and risk management, Operational Director authority
bidang teknologi informasi, akuntansi, operasional includes information technology, accounting,
dalam negeri dan general affair, Direktur Komersial domestic operational and general affair commercial
mencakup bidang kredit sedangkan Direktur director authority loans while Treasury Director
Treasuri mencakup treasuri, operasional authority includes treasury, international operation
internasional dan financial institution dan corporate and financial institution and corporate secretary.
secretary.
Ruang lingkup Komisaris mencakup fungsi The scope of Commissioner authority included
pengawasan dan pemantauan kegiatan usaha Bank. supervision and monitoring Bank’s activities.
Susunan Komite Audit Bank masing-masing pada The composition of the Bank’s Audit Committee for
tahun 2019 berdasarkan Surat Keputusan Direksi year ended 2019 based on Director’s Decision Letter
nomor SK/DIR/029/III/2018 tanggal 3 Maret 2018 No. SK/DIR/029/III/2018 dated March 3, 2018 and
dan tahun 2018 berdasarkan Surat Keputusan 2018 based on the Director’s Decision Letter of Bank
Direksi Bank Capital SK/DIR/005/VI/2017 tanggal Capital SK/DIR/005/VI/2017 dated June 12, 2017
12 Juni 2017 yang telah sesuai dengan peraturan in accordance with Bapepam - LK regulations
Bapepam - LK No. IX.I.5 adalah sebagai berikut: No. IX.I.5 are as follows:
2025 2024
Ketua Peter Kurniawan Peter Kurniawan Head of Committee
Anggota Budi Zainal Arifin Budi Zainal Arifin Member of Committee
Anggota Alfanur HR Alfanur HR Member of Committee
Susunan Corporate Secretary dan Ketua Satuan The Bank’s Corporate Secretary and Audit of Head
Internal tahun 2025 dan 2024 adalah sebagai Internal Audit in 2025 and 2024 are as follows:
berikut:
2025 2024
Corporate Secretary Vanka Tanuwidjaya Budi Setiadi Corporate Secretary
Ketua Umum Satuan
Kerja Audit Internal Anadia Septasari Anadia Septasari Head of Internal Audit
Jumlah karyawan Bank pada tanggal The number of Bank employees as of
31 Desember 2025 dan 2024 masing-masing December 31, 2025 and 2024 were 827 and 676
adalah sebanyak dan 676. (Tidak diaudit) employees, respectively.(Not audited)
d. Otorisasi Laporan Keuangan d. Authorization of Financial Statements
Manajemen Bank bertanggung jawab atas The management of the Bank is responsible for the
penyusunan dan penyajian laporan keuangan yang preparation and presentation of these financial
telah disetujui untuk diterbitkan oleh manajemen statements which were authorized for issuance as
Bank pada tanggal 31 Maret 2026. approved by the management of Bank on
March 31, 2026.
15
Page 387
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
Pernyataan Kepatuhan dan Dasar Pengukuran dan Statements of Compliance and Basis of Measurement
Penyusunan Laporan Keuangan and Preparation of Financial Statements
Kebijakan akuntansi material yang diterapkan dalam The material accounting policies adopted in preparing
penyusunan laporan keuangan Bank adalah sebagai the financial statements of the Bank are as follows:
berikut:
a. Dasar Penyusunan Laporan Keuangan a. Basis for Preparation of Financial Statements
Laporan keuangan Bank disusun dan disajikan The financial statements of the Bank were prepared
sesuai dengan Standar Akuntansi Keuangan (SAK) and presented in accordance with Indonesian
Indonesia yaitu mencakup Pernyataan Standar Financial Accounting Standards (SAK) which
Akuntansi Keuangan (PSAK) dan Interpretasi comprise of the Statement of Financial Accounting
Standar Akuntansi Keuangan (ISAK) yang Standards (PSAK) and Interpretation of Financial
dikeluarkan oleh Dewan Standar Akuntansi Accounting Standards (ISAK) issued by the Financial
Keuangan Ikatan Akuntan Indonesia, Peraturan Accounting Standards Board of the Institute of
Otoritas Jasa Keuangan di bidang Perbankan dan Indonesia Chartered Accountants, Financial
Pasar Modal, serta Peraturan No. VIII.G.7 tentang Services Authority Regulations in the Banking and
“Pedoman Penyajian dan Pengungkapan Laporan Capital Market Sector, as well as Regulation No.
Keuangan Emiten atau Perusahaan Publik”. VIII.G.7 regarding “Guideline for Financial
Statements Preparation and Presentation of Issuers
or Public Company”.
Dasar penyusunan laporan keuangan Bank, kecuali The Bank’s financial statements, except for the
untuk laporan arus kas, adalah dasar akrual. Mata statement of cash flows, are prepared under the
uang pelaporan yang digunakan untuk penyusunan accrual basis of accounting. The reporting currency
laporan keuangan adalah mata uang Rupiah (Rp). used in
Laporan keuangan Bank disusun berdasarkan nilai the preparation of the financial statements is the
historis, kecuali beberapa akun tertentu disusun Indonesian Rupiah (Rp). The Bank’s financial
berdasarkan pengukuran lain sebagaimana statements are prepared based on historical cost
diuraikan dalam kebijakan akuntansi masing- except for certain accounts which are prepared
masing akun tersebut. based on other basis as described in the related
accounting policies.
Laporan arus kas disusun dengan menggunakan The statements of cash flow are prepared using
metode langsung modifikasian dengan modified the direct method, with classification of
mengelompokkan arus kas dalam aktivitas operasi, cash flow into operating, investing and financing
investasi dan pendanaan. Untuk tujuan laporan arus activities. For the reporting purpose of statement of
kas, kas dan setara kas mencakup kas, giro pada cash flow, cash and cash equivalents include cash,
Bank Indonesia, giro pada bank lain dan current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank lain accounts with other banks and placements with
yang jatuh tempo dalam waktu tiga bulan sejak Bank Indonesia and other banks that mature within
tanggal perolehan, sepanjang tidak digunakan three months from acquisition date, as long as they
sebagai jaminan atas pinjaman yang diterima serta are not being pledged as collateral for borrowings
tidak dibatasi penggunaannya. nor restricted.
Penyusunan laporan keuangan sesuai dengan The preparation of financial statements in
Standar Akuntansi Keuangan Indonesia conformity with Indonesian Financial Accounting
mengharuskan penggunaan beberapa estimasi dan Standards requires the use of certain estimates and
asumsi dan mengharuskan manajemen untuk assumptions and requires management to exercise
membuat pertimbangan dalam menentukan its judgment in determining the appropriate
metodologi yang tepat. Area yang kompleks atau methodology. The areas involving a higher degree
memerlukan tingkat pertimbangan yang lebih tinggi of judgment or complexity, or areas where
atau area di mana asumsi dan estimasi dapat assumptions and estimates are significant to the
berdampak signifikan terhadap laporan keuangan financial statements are disclosed in Note 3.
diungkapkan di Catatan 3.
16
Page 388
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
b. Perubahan terhadap SAK b. Changes on SAK
Standar baru, serta amendemen dan penyesuaian New standards, as well as amendments and
terhadap SAK yang mulai berlaku untuk periode improvements towards SAK that effective for annual
pelaporan tahunan yang dimulai pada atau setelah reporting periods beginning on or after
1 Januari 2025, telah dievaluasi. Manajemen January 1, 2025, have been assessed.
menyimpulkan bahwa tidak terdapat dampak Management determines that there are no material
material dari perubahan tersebut terhadap impact arise from such changes on the reporting of
pelaporan kinerja ataupun posisi keuangan Bank. performance or financial position of the Bank.
Di samping itu, pada tanggal penerbitan laporan Moreover, as of the authorization date of the
keuangan ini, terdapat pula beberapa SAK yang issuance of these financial statements, there are
baru serta amendemen ataupun penyesuaian also several new SAK, and amendments or
terhadap SAK lainnya yang telah diterbitkan namun improvements on other SAK which have been issued
belum berlaku efektif. Standar, interpretasi, but not yet effective. Those standards,
amendemen ataupun penyesuaian tersebut akan interpretations, amendments or improvements shall
berlaku efektif untuk tahun buku yang dimulai pada be effective for the annual reporting period
atau setelah: beginning on or after:
1 Januari 2026 January 1, 2026
Amendemen PSAK No. 109 tentang “Instrumen Amendments to PSAK No. 109 on “Financial
Keuangan” dan PSAK No. 107 tentang Instruments” and PSAK No. 107 on “Financial
“Instrumen Keuangan: Pengungkapan” tentang Instruments: Disclosure” on “Classification and
“Klasifikasi dan Pengukuran Instrumen Measurement of Financial Instruments”; and
Keuangan”; dan
PSAK No. 338 (Revisi 2025) tentang “Kombinasi PSAK No. 338 (Revised 2025) on “Business
Bisnis Entitas Sepengendali”. Combinations of Entities Under Common
Control”.
1 Januari 2027 January 1, 2027
PSAK No. 118 tentang “Penyajian dan PSAK No. 118 on “Presentation and Disclosure in
Pengungkapan dalam Laporan Keuangan”; Financial Statements”;
PSAK No. 119 tentang “Entitas Anak Tanpa PSAK No. 119 on “Subsidiaries without Public
Akuntabilitas Publik: Pengungkapan”; dan Accountability: Disclosure”; and
Amendemen PSAK No. 119 tentang “Entitas Anak Amendment to PSAK No. 119 on “Subsidiaries
Tanpa Akuntabilitas Publik: Pengungkapan”. without Public Accountability: Disclosure”.
Penerapan dini untuk standar, interpretasi, Early adoption of the above new standards,
amendemen ataupun penyesuaian terhadap SAK di interpretations, and amendments or improvements
atas diperkenankan. to SAK are permitted.
Manajemen masih mengevaluasi penerapan dari Management is still evaluating the adoption of the
standar, interpretasi, amendemen ataupun above standards, interpretations, and amendments
penyesuaian tersebut dan belum dapat or improvements and unable to determine the
menentukan dampak yang mungkin timbul impact that might arise towards the financial
terhadap pelaporan keuangan Bank secara reporting of the Bank as a whole.
keseluruhan.
17
Page 389
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Transaksi dengan Pihak-pihak Berelasi c. Transactions with Related Parties
Dalam kegiatan usaha normal, Bank melakukan In the normal course of its business, the Bank
transaksi dengan pihak-pihak berelasi seperti yang enters into transactions with related parties which
didefinisikan dalam PSAK No. 224 tentang are defined under PSAK No. 224 on “Related
“Pengungkapan Pihak-pihak Berelasi”. Parties Disclosures”.
a. Orang atau anggota keluarga terdekat a. A person or a close member of the person’s
mempunyai relasi dengan Bank jika orang family is related to the Bank if that person:
tersebut:
i. Memiliki pengendalian atau pengendalian i. Has control or joint control over the Bank;
bersama atas Bank;
ii. Memiliki pengaruh signifikan atas Bank; ii. Has significant influence over Bank; or
atau iii. Is a member of the key management
iii. Personel manajemen kunci Bank atau personnel of the Bank or of a parent of the
entitas induk Bank. Bank.
b. Suatu entitas berelasi dengan Bank jika b. An entity is related to the Bank if any of the
memenuhi salah satu hal berikut: following conditions applies:
i. Entitas dan Bank adalah anggota dari i. The entity and the Bank are members of
kelompok usaha yang sama (artinya entitas the same group (which means that each
induk, entitas anak dan sesama entitas parent, subsidiary and fellow subsidiary
anak saling berelasi dengan entitas are related to the others);
lainnya);
ii. Satu entitas adalah entitas asosiasi atau ii. One entity is an associate or joint venture
ventura bersama dari entitas lain (atau of the other entity (or an associate or joint
entitas asosiasi atau ventura bersama venture of a member of a group of which
yang merupakan anggota suatu kelompok the other entity is a member);
usaha, yang mana entitas lain tersebut
adalah anggotanya);
iii. Kedua entitas tersebut adalah ventura iii. Both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
iv. Satu entitas adalah ventura bersama dari iv. One entity is a joint venture of a third
entitas ketiga dan entitas yang lain adalah entity and the other entity is an associate
entitas asosiasi dari entitas ketiga; of the third entity;
v. Entitas tersebut adalah suatu program v. The entity is a post-employment benefit
imbalan pascakerja untuk imbalan kerja plan for the benefit of employees of either
dari salah satu entitas pelapor atau entitas the Bank or an entity related to the
yang terkait dengan Bank. Jika entitas reporting entity. If the reporting entity is
pelapor adalah entitas yang the entity that organize the program, then
menyelenggarakan program tersebut, sponsoring entity is also related to the
maka entitas sponsor juga berelasi dengan Bank;
Bank;
vi. Entitas yang dikendalikan atau vi. The entity is controlled or jointly
dikendalikan bersama oleh orang yang controlled by a person identified in (a);
diidentifikasi dalam huruf (a);
vii. Orang yang diidentifikasi dalam huruf (a)(i) vii. A person identified in (a)(i) has significant
memiliki pengaruh signifikan atas entitas influence over the entity or is a member
atau personel manajemen kunci entitas of the key management personnel of the
(atau entitas induk dari entitas); entity (or of a parent of the entity);
viii. Entitas atau anggota dari kelompok di viii. The entity, or any member of group of
mana entitas merupakan bagian dari which it is a part, provides key
kelompok tersebut, menyediakan jasa management personnel services to the
personel manajemen kunci kepada entitas reporting entity or to the parent of the
pelapor atau kepada entitas induk dari reporting entity.
entitas pelapor.
18
Page 390
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Transaksi dengan Pihak-pihak Berelasi (Lanjutan) c. Transactions with Related Parties (Continued)
Transaksi ini dilakukan berdasarkan persyaratan The transactions are made based on terms agreed
yang disetujui oleh kedua belah pihak, yang by the parties, which may not be the same as these
mungkin tidak sama dengan transaksi lain yang of the transactions between unrelated parties.
dilakukan dengan pihak yang tidak berelasi.
d. Instrumen Keuangan selain Sukuk d. Financial Instruments other than Sukuk
Dalam kegiatan usaha normal, Bank melakukan In the normal course of its business, the Bank enters
transaksi dengan pihak-pihak berelasi seperti yang into transactions with related parties which are
didefinisikan dalam PSAK No. 224 “Pengungkapan defined under PSAK No. 224 on “Related Parties
Pihak-pihak Berelasi”. Disclosures”.
Klasifikasi, Pengakuan dan Pengukuran Classification, Recognition and Measurement
Bank menerapkan PSAK No 109, “Instrumen The Bank and subsidiaries apply PSAK No 109,
Keuangan”. "Financial Instruments ".
Aset keuangan Bank dan entitas anak terdiri dari kas, Bank and subsidiary financial assets consist of cash,
giro pada Bank Indonesia, giro pada bank lain, current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank lain, accounts with other banks, placements with Bank
tagihan derivatif, surat-surat berharga, efek-efek Indonesia and other banks, derivative receivables,
yang dibeli dengan janji dijual kembali, wesel ekspor marketable securities, securities purchased under
dan tagihan lainnya, kredit yang diberikan dan agreement to resell, export bills and bills others,
pembiayaan syariah, tagihan akseptasi, penyertaan loans and Islamic financing, acceptance receivables,
saham, bunga yang masih akan diterima, dan aset equity investments, accrued interest, and other
lain-lain (setoran jaminan). assets (guarantee deposits).
Liabilitas keuangan Bank dan entitas anak terdiri The financial liabilities of the Bank and its
dari liabilitas segera, simpanan nasabah, simpanan subsidiaries consist of immediate liabilities,
dari bank lain, liabilitas derivatif, efek-efek yang customer deposits, deposits from other banks,
dijual dengan janji dibeli kembali, liabilitas akseptasi, derivative liabilities, securities sold under
efek hutang yang diterbitkan, pinjaman yang repurchase agreements, acceptance liabilities, debt
diterima, bunga yang masih harus dibayar dan securities issued, debt received, loans received,
liabilitas lain-lain. accrued interest and other liabilities.
i. Aset Keuangan i. Financial Assets
Pengakuan Awal Initial Recognition
Aset keuangan pada awalnya diakui sebesar nilai Financial assets are recognized initially at fair value
wajarnya ditambah biaya transaksi. Perusahaan plus transaction costs. The Perusahaan classifies its
mengklasifikasikan aset keuangan menjadi (i) aset financial assets in the following categories: (i) financial
keuangan yang diukur dengan biaya perolehan assets measured at amortized cost (ii) financial assets
diamortisasi, (ii) aset keuangan yang diukur pada nilai at fair value through other comprehensive income
wajar melalui penghasilan komprehensif lain (FVOCI) (FVOCI) and; (iii) financial assets at fair value through
dan (iii) aset keuangan yang ditetapkan untuk diukur profit or loss (FVTPL). The classification of financial
pada nilai wajar melalui laba rugi (FVTPL). Klasifikasi assets are based on the Company’s business model
aset keuangan harus didasarkan pada bisnis model and contractual cash terms of the cash flows when
Perusahaan dan persyaratan kontraktual arus kas determining whether their cash flows are solely
apakah penentuan arus kasnya semata dari payment of principal and interest. The Company
pembayaran pokok dan bunga. Perusahaan determines the classification of its financial assets at
menentukan klasifikasi aset keuangan tersebut pada initial recognition and does not change the
pengakuan awal dan tidak melakukan perubahan atas classification already made.
klasifikasi yang telah dibuat.
19
Page 391
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan selain Sukuk (Lanjutan) d. Financial Instruments other than Sukuk (Continued)
i. Aset Keuangan (Lanjutan) i. Financial Assets (Continued)
- Aset keuangan yang diukur dengan nilai wajar - Financial assets at FVOCI
melalui penghasilan komprehensif lain
Aset keuangan berupa instrumen utang Financial assets in debt instruments are
diklasifikasikan sebagai aset keuangan FVOCI classified as at FVOCI if they are held in a
jika aset keuangannya dimiliki dalam model business model whose objective is achieved
bisnis yang tujuannya dicapai dengan by both collecting contractual cash flows and
mengumpulkan arus kas kontraktual dan selling financial assets.
menjual aset keuangan.
Untuk aset keuangan berupa instrumen For financial assets in equity instruments
ekuitas di mana Perusahaan memilih opsi where the Company opts for the FVOCI
FVOCI maka keuntungan dan kerugian option, gains and losses are never
dari aset keuangan ini tidak pernah reclassified to profit or loss.
direklasifikasi ke laba rugi.
- Aset keuangan yang diukur dengan nilai - Financial assets at FVTPL
wajar melalui laba rugi
Aset keuangan diklasifikasikan sebagai Financial assets are classified as at FVTPL if
FVTPL jika aset keuangan tersebut tidak those financial assets do not meet the
memenuhi kriteria sebagai aset keuangan criteria for financial assets measured at
yang diukur dengan biaya perolehan amortized cost and FVOCI.
diamortisasi dan FVOCI.
Penurunan Nilai Aset Keuangan Impairment of Financial Assets
Pada setiap periode pelaporan, Perusahaan At each reporting date, the Company assesses
menilai apakah risiko kredit dari instrumen whether the credit risk on a financial
keuangan telah meningkat secara signifikan instrument has increased significantly since
sejak pengakuan awal. Ketika melakukan initial recognition. When making the
penilaian, Perusahaan menggunakan assessment, the Company uses the change in
perubahan atas risiko gagal bayar yang terjadi the risk of a default occurring over the
sepanjang perkiraan umur instrumen expected life of the financial instrument
keuangan daripada perubahan atas instead of the change in the amount of
jumlah kerugian kredit ekspektasian. Dalam expected credit losses. To make that
melakukan penilaian tersebut, Perusahaan assessment, the Company compares the risk
membandingkan antara risiko gagal bayar of a default occurring on the financial
yang terjadi atas instrumen keuangan instrument as at the reporting date with the
pada saat periode pelaporan dengan risiko risk of a default occurring on the financial
gagal bayar yang terjadi atas instrumen instrument as at the date of initial recognition,
keuangan pada saat pengakuan awal, considering reasonable and supportable
yang mempertimbangkan kewajaran serta information that is available without undue
ketersediaan informasi, yang tersedia tanpa cost or effort at the reporting date about past
biaya atau usaha yang tidak semestinya pada events, current conditions and forecasts of
saat tanggal pelaporan terkait dengan kejadian future economic conditions, which is indicative
masa lalu, kondisi terkini dan perkiraan atas of significant increases in credit risk since
kondisi ekonomi di masa depan, yang initial recognition.
mengindikasikan kenaikan signifikan risiko
kredit sejak pengakuan awal.
20
Page 392
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI MATERIAL (Lanjutan) 2. MATERIAL ACCOUNTING POLICIES (Continued)
d. Instrumen Keuangan selain Sukuk (Lanjutan) d. Financial Instruments other than Sukuk (Continued)
i. Aset Keuangan (Lanjutan) i. Financial Assets (Continued)
Penurunan Nilai Aset Keuangan (Lanjutan) Impairment of Financial Assets (Continued)
Perusahaan menerapkan metode yang The Company applies a simplified approach
disederhanakan untuk mengukur kerugian to measure expected credit loss which uses
kredit ekspektasian yang menggunakan a lifetime expected loss allowance for all
cadangan kerugian kredit ekspektasian seumur trade receivables, other receivables and
hidup untuk seluruh saldo piutang usaha, contract assets without significant financing
piutang lain-lain dan aset kontrak tanpa components.
komponen pendanaan yang signifikan.
Penghentian Pengakuan Aset Keuangan Derecognition of Financial Assets
Perusahaan menghentikan pengakuan aset The Company derecognizes financial assets if,
keuangan jika, dan hanya jika, hak kontraktual and only if, the contractual rights to the cash
atas arus kas yang berasal dari aset keuangan flows from the financial asset expire; or the
tersebut berakhir, atau mengalihkan hak contractual rights to receive the cash flows of the
kontraktual untuk menerima arus kas yang financial asset are transferred; or the contractual
berasal dari aset keuangan, atau tetap memiliki rights to receive the cash flows of the financial
hak kontraktual untuk menerima arus kas yang asset are retained but a contractual obligation is
berasal dari aset keuangan namun juga assumed to pay those cash flows to one or more
menanggung kewajiban kontraktual untuk recipients in an arrangement that meets certain
membayar arus kas yang diterima tersebut conditions. When the Company transfers a
kepada satu atau lebih pihak penerima melalui financial asset, it evaluates the extent to which it
suatu kesepakatan yang memenuhi persyaratan retains the risks and rewards of ownership of the
tertentu. Ketika Perusahaan mengalihkan aset financial asset.
keuangan, maka Perusahaan mengevaluasi
sejauh mana Perusahaan tetap memiliki risiko
dan manfaat atas kepemilikan aset keuangan
tersebut.
ii. Liabilitas Keuangan ii. Financial Liabilities
Pengakuan Awal Initial Recognition
Perusahaan mengklasifikasikan seluruh liabilitas The Company determines the classification of its
keuangannya pada saat pengakuan awal. financial liabilities at initial recognition. The
Perusahaan memiliki liabilitas keuangan yang Company has financial liabilities classified into
diklasifikasikan dalam liabilitas keuangan yang the financial liabilities measured at amortized
diukur dengan biaya perolehan diamortisasi. cost. All financial liabilities are recognized initially
Seluruh liabilitas keuangan diakui pada awalnya at fair value and, in the case of loans and
sebesar nilai wajar dan, dalam hal pinjaman dan borrowings, inclusive of directly attributable
utang, termasuk biaya transaksi yang dapat transaction costs.
diatribusikan secara langsung.
Pengukuran Selanjutnya Subsequent Measurement
Setelah pengakuan awal, liabilitas keuangan After initial recognition, financial liabilities in this
dalam kategori ini selanjutnya diukur pada biaya category are subsequently measured at
perolehan diamortisasi dengan menggunakan amortized cost using the effective interest
metode suku bunga efektif. Amortisasi suku method. The amortization of the effective interest
bunga efektif termasuk di dalam biaya keuangan rate is included in finance costs in the profit or
dalam laba rugi. loss.
21
Page 393
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI MATERIAL (Lanjutan) 2. MATERIAL ACCOUNTING POLICIES (Continued)
d. Instrumen Keuangan selain Sukuk (Lanjutan) d. Financial Instruments other than Sukuk (Continued)
ii. Liabilitas Keuangan (Lanjutan) ii. Financial Liabilities (Continued)
Penghentian Pengakuan Liabilitas Keuangan Derecognition of Financial Liabilities
Perusahaan menghentikan pengakuan liabilitas The Company derecognizes financial liabilities
keuangan jika, dan hanya jika, kewajiban if, and only if, the Company’s obligations are
Perusahaan dilepaskan, dibatalkan atau discharged, cancelled or expire.
kedaluwarsa.
iii. Instrumen Derivatif iii. Derivative Instruments
Instrumen derivatif dicatat pada pengakuan awal Derivative instruments are initially recognized at
sebesar nilai wajar pada tanggal perjanjian fair value as at the date a derivative contract is
derivatif ditandatangani dan diukur kembali entered into and are subsequently remeasured
setiap akhir periode laporan. Derivatif dicatat to their fair value at each end of reporting period.
sebagai aset keuangan saat nilai wajar positif Derivatives are carried as financial assets when
dan liabilitas keuangan saat nilai wajar negatif. the fair value is positive and as financial liabilities
when the fair value is negative
Derivatif melekat disajikan dengan kontrak Embedded derivative is presented with the host
utamanya pada laporan posisi keuangan yang contract on the consolidated statements of
mencerminkan penyajian yang memadai atas financial position which represents an
seluruh arus kas pada masa datang dari appropriate presentation of overall future cash
instrumen tersebut secara keseluruhan. flows for the instrument taken as a whole.
Derivatif yang melekat pada instrumen keuangan Derivatives embedded in other financial
atau kontrak awal diperlakukan sebagai derivatif instruments or other host contracts are treated
yang berbeda saat risiko dan karakteristiknya as separate derivatives when their risks and
tidak saling berhubungan dengan kontrak characteristics are not closely related to those of
utamanya dan kontrak utama tersebut tidak the host contracts and the host contracts are not
diukur dengan nilai wajar serta perubahan pada measured at fair value, with changes in fair value
nilai wajar diakui dalam laba rugi. recognized in profit or loss.
Derivatif disajikan sebagai aset tidak lancar atau A derivative is presented as a non-current asset
liabilitas jangka panjang jika sisa periode jatuh or a non-current liability if the remaining maturity
tempo dari instrumen tersebut lebih dari dua of the instrument is more than twelve (12)
belas (12) bulan dan tidak diharapkan untuk months and it is not expected to be realized or
direalisasi atau diselesaikan dalam jangka waktu settled within twelve (12) months
dua belas (12) bulan.
Keuntungan atau kerugian yang timbul dari Gains or losses arising from changes in the fair
perubahan nilai wajar instrumen derivatif diakui value of the derivative instrument are recognized
sebagai laba tahun berjalan, kecuali seluruh currently in earnings, unless meeting all
persyaratan khusus (contoh, dokumen formal, the specific requirements (i.e., formal
penetapan dan pengukuran keefektifan documentation, designation and assessment of
transaksi) untuk diakui sebagai “Penghasilan the effectiveness of the transaction) to allow
Komprehensif Lain” sesuai dengan tipe deferral as “Other Comprehensive Income”
akuntansi lindung nilai tertentu terpenuhi. under certain types of hedge accounting.
22
Page 394
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan selain Sukuk (Lanjutan) d. Financial Instruments other than Sukuk (Continued)
iv. Saling Hapus Instrumen Keuangan iv. Offsetting of Financial Instruments
Aset keuangan dan liabilitas keuangan saling Financial assets and financial liabilities are offset
hapus dan jumlah bersihnya dilaporkan dalam and the net amount reported in the Company’s
laporan posisi keuangan Perusahaan jika, dan statements of financial position if, and only if,
hanya jika, saat ini memiliki hak yang there is a currently enforceable legal right to
berkekuatan hukum untuk melakukan saling offset the recognized amounts and there is an
hapus atas jumlah yang telah diakui dan terdapat intention to settle on a net basis, or to realize the
niat untuk menyelesaikannya secara bersih, atau assets and settle the liabilities simultaneously.
untuk merealisasikan aset dan menyelesaikan
liabilitasnya secara simultan.
e. Instrumen pada Sukuk e. Instruments in Sukuk
Pengakuan dan Pengukuran Recognition and measurement
Sesuai dengan PSAK No 410 tentang “Akuntansi In accordance PSAK No. 410 on “Sukuk
Sukuk”, sebelum pengakuan awal, Bank Accounting”, before the initial recognition, the Bank
menentukan klasifikasi investasi pada sukuk determines the classification of investment in sukuk
berdasarkan tujuan investasi Bank. Klasifikasi based on the purpose of Bank’s investment. The
dalam investasi sukuk dikelompokkan sebagai classification in sukuk investment classified as
berikut: follows:
1. Biaya Perolehan 1. Acquisition Cost
Apabila investasi tersebut dimiliki dalam suatu If the investment is held within a business entity
model usaha yang bertujuan utama untuk that aims to acquire assets of contractual cash
memperoleh arus kas kontraktual dan terdapat and there is a contractual requirement to
persyaratan kontraktual dalam menentukan determine the specific date of principal
tanggal tertentu pembayaran pokok dan/atau payments and/or the result.
hasilnya.
Pada saat pengukuran awal, investasi dicatat At the initial measurement, the investment is
sebesar biaya perolehan dan biaya perolehan ini recorded at acquisition cost which already
termasuk biaya transaksi. Setelah pengakuan includes the transaction cost. After the initial
awal, investasi sukuk ini diukur pada nilai recognition, the sukuk investment is measured
perolehan yang diamortisasi. Selisih antara biaya on amortized cost. The difference between
perolehan dan nilai nominal diamortisasi secara acquisition cost and nominal value is amortized
garis lurus selama jangka waktu instrumen using straight line method during the period of
sukuk. the sukuk instrument.
Jika terdapat indikasi penurunan nilai, maka If there is an indication of impairment, then the
Bank mengukur jumlah terpulihkannya. Jika Bank will measure the recoverable amount. If the
jumlah terpulihkan lebih kecil daripada jumlah recoverable amount is less than recorded
tercatat, maka Bank mengakui rugi penurunan amount, then the Bank will recognize the
nilai. Jumlah terpulihkan merupakan jumlah yang impairment losses. Recoverable amount
akan diperoleh dari pengembalian pokok tanpa represents the amount which will be recoverable
memperhitungkan nilai kininya. from the principal repayment regardless of its
present value.
23
Page 395
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
e. Instrumen pada Sukuk (Lanjutan) e. Instruments in Sukuk (Continued)
2. Nilai Wajar 2. Fair Value
Nilai wajar investasi ditentukan dengan mengacu Fair value on investment is determined according
pada urutan sebagai berikut: to following hierarchy:
a. Kuotasi harga di pasar aktif, atau a. Market quotation in an actively traded, or
b. Harga yang terjadi dari transaksi terkini jika b. The current transaction market price
tidak ada kuotasi harga di pasar aktif, atau incurred if an active market quotation does
not exist, or
c. Nilai wajar instrumen sejenis jika tidak ada c. Similar instrument fair value if there is no
kuotasi harga di pasar aktif dan tidak ada active market quotation and no available
harga yang terjadi dari transaksi terkini current transaction price
Pada saat pengakuan awal, investasi sukuk On the initial recognition, the sukuk investment
dalam klasifikasi ini dicatat sebesar harga is presented at acquisition cost that is not
perolehan, namun harga perolehan tersebut including transaction cost.
tidak termasuk biaya transaksi.
Setelah pengakuan awal, investasi diakui pada After initial recognition, the investment is
nilai wajar. Selisih antara nilai wajar dan jumlah recognized at fair value. The difference between
tercatat diakui dalam laporan laba rugi dan fair value and recorded amount is recognized in
penghasilan komprehensif lain. the statement of profit or loss and other
comprehensive income.
Penyajian Presentation
Pendapatan investasi dan beban amortisasi Investment income and amortization presented
disajikan secara bersih dalam laporan laba rugi dan in net amount in the statement of profit and other
penghasilan komprehensif lain. comprehensive income.
Reklasifikasi Reclassification
Bank tidak dapat mengubah klasifikasi investasi, The Bank cannot change investment classification
kecuali perubahan tujuan model usaha. Model unless there is a change in the business model’s
usaha yang bertujuan untuk memperoleh arus kas purpose. Business model that is intended to gain
kontraktual didasarkan pada tujuan investasi yang contractual cash flow is based on the investment
ditentukan oleh Bank. Arus kas kontraktual yang purpose set by Bank. The underlying contractual
dimaksud adalah arus kas bagi hasil dan pokok dari cash flows is cash flow from revenue sharing and
sukuk mudharabah atau arus kas imbalan dari principal of sukuk mudharabah or benefit cash flow
sukuk ijarah. Setelah pengakuan awal, jika aktual from sukuk ijarah. After initial recognition, if the
berbeda dengan tujuan investasi yang telah actual differs from the investment purpose initially
ditetapkan, maka Bank menelaah kembali set by the Bank, then the Bank reconsiders the
konsistensi tujuan investasinya. consequences of the revised investment purpose.
f. Giro pada Bank Indonesia dan Bank Lain f. Current Accounts with Bank Indonesia and Other
Banks
Giro pada Bank Indonesia disajikan sebesar biaya Current accounts with Bank Indonesia are stated at
perolehan yang diamortisasi menggunakan suku amortized costs using EIR method and current
bunga efektif dan giro pada bank lain disajikan accounts with other banks stated at amortized costs
sebesar biaya perolehan yang diamortisasi using EIR method net of allowance for impairment
menggunakan suku bunga efektif dikurangi dengan losses.
cadangan kerugian penurunan nilai.
24
Page 396
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Giro pada Bank Indonesia dan Bank Lain (Lanjutan) f. Current Accounts with Bank Indonesia and Other
Banks (Continued)
Giro Wajib Minimum Statutory Reserves Requirement
Sesuai dengan peraturan Bank Indonesia mengenai In accordance with prevailing Bank Indonesia
Giro Wajib Minimum Bank Umum pada Bank regulation concerning Statutory Reserves
Indonesia dalam Rupiah dan Valuta Asing, Bank Requirement at Bank Indonesia for Commercial
diwajibkan untuk menempatkan sejumlah Banks in Rupiah and Foreign Currencies, Bank is
persentase tertentu atas simpanan nasabah pada required to place certain percentage of deposits
Bank Indonesia. from customers with Bank Indonesia.
g. Penempatan pada Bank Indonesia dan Bank Lain g. Placement with Bank Indonesia and Other Bank
Penempatan pada Bank Indonesia disajikan Placements with Bank Indonesia are stated at
sebesar biaya perolehan yang diamortisasi amortized costs using EIR method and placements
menggunakan suku bunga efektif dan penempatan with other banks are stated at amortized costs using
pada bank lain disajikan sebesar biaya perolehan EIR method net of allowance for impairment losses.
yang diamortisasi menggunakan suku bunga efektif
dikurangi dengan cadangan kerugian penurunan
nilai.
h. Efek-efek h. Marketable Securities
Efek-efek terdiri dari SBI, obligasi pemerintah, Securities consist of SBI, government bonds,
obligasi korporasi, reksa dana, surat utang jangka corporate bonds, mutual funds, medium term notes,
menengah, dan efek beragun aset. and assets backed securities.
Efek-efek pada saat pengakuan awal diukur sebesar At initial recognition, securities are measured at fair
nilai wajar ditambah dengan biaya transaksi yang value plus transaction costs which are directly
dapat diatribusikan secara langsung dengan attributable to the acquisition of securities and
perolehan efek-efek dan selanjutnya pengukuran subsequent measurement is done based on
dilakukan berdasarkan klasifikasi efek-efek ke classification of securities into groups of certain
dalam kelompok aset keuangan tertentu dikurangi financial assets net of allowance for impairment
dengan cadangan kerugian penurunan nilai. losses.
i. Kredit yang Diberikan i. Loans
Kredit dinyatakan sebesar biaya perolehan Loans are stated at amortized cost less allowance
diamortisasi dikurangi cadangan kerugian for impairment losses.
penurunan nilai.
Kredit dijamin dengan agunan yang berupa deposito Loans are secured by collaterals such as time
berjangka, tabungan, giro, emas, tanah dan deposits, savings accounts, current accounts, gold,
bangunan, kendaraan, mesin dan peralatan, land and building, vehicles, machineries and
persediaan, piutang dagang atau saham yang diikat equipment, inventories, trade receivables or stocks,
dengan hak tanggungan, atau surat kuasa untuk registered mortgages over collateral or power of
menjual dan jaminan lain yang umumnya diterima attorney to sell and by other guarantees generally
oleh Bank. Nilai agunan yang diterima Bank cukup acceptable to the Bank. The value of the collateral
menutupi kerugian yang timbul akibat tidak received by the Bank is sufficient to cover losses
tertagihnya kredit. arising from bad debts.
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification of the
persyaratan kredit, konversi kredit menjadi saham terms of the loans, conversion of loans into equity or
atau instrumen keuangan lainnya dan/atau other financial instruments and/or a combination of
kombinasi keduanya. both.
25
Page 397
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
i. Kredit yang Diberikan (Lanjutan) i. Loans (Continued)
Kredit dihapusbukukan dari cadangan kerugian Loan written off are charged to the all for
penurunan nilai pada saat manajemen berpendapat impairment losses when management believes that
bahwa aset tersebut harus dihapuskan karena they are definitely uncollectible. Recovery of loans
secara operasional debitur sudah tidak mampu previously written off in the current year is recorded
membayar dan/atau sulit untuk ditagih. Penerimaan as an addition to the allowance for impairment
kembali aset yang telah dihapuskan pada tahun losses during the year of credit recovery. Recovery
berjalan dicatat sebagai penambahan cadangan of loans previously written off in the previous years
kerugian penurunan nilai yang bersangkutan is recorded as operating income during the year.
selama tahun berjalan. Penerimaan kembali aset
yang telah dihapuskan pada tahun-tahun
sebelumnya dicatat sebagai pendapatan
operasional tahun berjalan.
j. Tagihan dan Liabilitas Akseptasi j. Acceptance Receivables and Liabilities
Tagihan akseptasi diklasifikasikan sebagai Acceptance receivables are classified as loans and
pinjaman yang diberikan dan piutang. Liabilitas receivables. Acceptance liabilities are classified as
akseptasi dikalsifikasikan sebagai liabilitas other financial liabilities.
keuangan lainnya.
Tagihan dan liabilitas akseptasi dinyatakan sebesar Acceptance receivables and liabilities are started at
biaya perolehan diamortisasi. Tagihan akseptasi amortized cost. Acceptance receivables are started
disajikan setelah dikurangi cadangan kerugian net of allowance for impairment losses.
penurunan nilai.
k. Aset Tetap k. Fixed Assets
Berdasarkan PSAK No 216 tentang ”dalam Based on PSAK No 216 on in a measuring fixed
mengukur aset tetap, Bank dapat menggunakan asset, The Bank can use the revaluation model or
model revaluasi (revaluation model) atau model the cost model.
biaya (cost model)”.
Sejak 1 Oktober 2011, aset tetap disajikan pada Since October 1, 2011, fixed asset are stated at
nilai revaluasian dikurangi akumulasi penyusutan their revalued amount, which is the fair value at the
dan akumulasi rugi penurunan nilai yang terjadi date of revaluation less accumulated depreciation
setelah tanggal revaluasian. Revaluasi dilakukan and accumulated impairment losses occurring after
dengan keteraturan yang cukup regular untuk the date of revaluation. Revaluation is carried out
memastikan bahwa jumlah tercatat tidak berbeda with sufficient regularity to ensure that regular
secara material dari jumlah yang ditentukan dengan carrying amount does not differ materially from the
menggunakan nilai wajar pada tanggal pelaporan. amount determined using fair value at reporting
Tanah tidak disusutkan. date. Land is not depreciated.
26
Page 398
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
k. Aset Tetap (Lanjutan) k. Fixed Assets (Continued)
Kenaikan yang berasal dari revaluasi, tanah, The increase from the revaluation of land, buildings
bangunan dan prasarana, inventaris kantor, and infrastructure, office furniture and fixtures,
peralatan kantor dan kendaraan tersebut office equipment and vehicles are recognized as
dikreditkan ke pendapatan komprehensif lainnya other comprehensive income and accumulated to
dan terakumulasi di surplus revaluasi pada bagian revaluation surplus in equity, unless earlier
ekuitas, kecuali sebelumnya penurunan revaluasi revaluation decrease over the same asset been
atas aset yang sama pernah diakui dalam laporan recognized in the profit on loss, in this case, the
laba rugi dan penghasilan komprehensif lain, increase revaluation of up to writes downs due to
dalam hal ini, kenaikan revaluasi hingga sebesar the revaluation, are recognized in the statement of
penurunan nilai aset akibat revaluasi tersebut, profit or loss and other comprehensive income.
dikreditkan dalam laporan laba rugi dan Impairment in the carrying amount derived from the
penghasilan komprehensif lain. Penurunan jumlah revaluation of fixed asset are charged to profit or
tercatat yang berasal dari revaluasi aset tetap yang loss when the account balance exceeds the decline
dibebankan dalam laba rugi dan penghasilan in revaluation surplus of fixed asset that come from
komprehensif lain apabila penurunan tersebut the previous revaluation, if any.
melebihi saldo akun surplus revaluasi aset tetap
yang berasal dari revaluasi sebelumnya, jika ada.
Penyusutan atas nilai revaluasian aset tetap The depreciation value of the revalued fixed
dibebankan ke laba rugi dan penghasilan asset are charged to profit of loss. If the fixed asset
komprehensif lain. Bila kemudian aset tetap have been sold or discontinued, the remaining
yang telah direvaluasi dijual atau dihentikan revaluation surplus balance will be charged directly
penggunaannya, saldo surplus tersisa dipindahkan to retained earnings. The part of revaluation surplus
langsung ke saldo laba. Bagian dari surplus which is the difference between depreciation based
revaluasi yang merupakan selisih atas penyusutan on revalued amount and cost value are transferred
berdasarkan nilai revaluasian dan nilai perolehan to retained earnings.
dipindahkan ke saldo laba.
Penyusutan dihitung dengan metode garis lurus Depreciation are computed using straight-line
(straight-line method) berdasarkan taksiran masa method, based on the estimated useful lives of the
manfaat ekonomik aset tetap sebagai berikut: fixed asset as follows:
Tahun/ Presentase/
Years Precentage
Bangunan dan prasarana 10 - 20 5% - 10% Building and improvements
Kendaraan 4-8 12,5% - 25% Vehicles
Inventaris dan perlengkapan kantor 4 25% Fixtures and office supplies
Peralatan kantor 4 25% Office equipment
Manajemen menelaah setiap akhir tahun buku, Management are reviewed at each reporting
nilai residu, umur manfaat dan metode penyusutan date, the estimated residual values, useful lives and
untuk memastikan bahwa nilai residu, umur depreciation methods to ensure that such residual
manfaat, dan metode penyusutan telah diterapkan values, useful lives, and depreciation methods are
secara konsisten sesuai dengan ekspektasi pola consistent with the expected pattern of economic
manfaat ekonomik dari aset tersebut. benefits from those assets.
27
Page 399
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
k. Aset Tetap (Lanjutan) k. Fixed Assets (Continued)
Revaluasi aset tetap akan dilakukan secara periodik Revaluation of fixed asset is conducted at last every
selambat-lambatnya 3 (tiga) tahun sekali. Beban 3 (three) years. The cost of maintenance and repairs
pemeliharaan dan perbaikan dibebankan pada laba is charged to operations as incurred. Other costs
rugi pada saat terjadinya. Biaya-biaya lain yang incurred subsequently to add to, replace part of, or
terjadi selanjutnya yang timbul untuk menambah, service an item of premises and equipment, are
mengganti atau memperbaiki aset tetap dicatat recognized as asset if, and only if, it is probable that
sebagai biaya perolehan aset jika dan hanya jika future economic benefits associated with the item
besar kemungkinan manfaat ekonomik di masa will flow to the entity and the cost of the item can be
depan berkenaan dengan aset tersebut akan measured reliably.
mengalir ke entitas dan biaya perolehan aset dapat
diukur secara andal.
Sesuai dengan ISAK No 25 tentang "Hak Tanah", In accordance with interpretation of ISAK No 25 on
biaya-biaya legal yang terjadi sehubungan dengan “Land Rights”, legal fee incurred in relation with
perolehan hak atas tanah untuk pertama kalinya acquisition of land rights for the first time will be
dikapitalisasi sebagai bagian dari biaya perolehan capitalized as part of costs acquisition of land while
atas tanah sedangkan biaya-biaya untuk the cost for renewal will be recognized as intangible
perpanjangan akan diakui sebagai aset tidak assets and amortized over the shorter periods of
berwujud dan diamortisasi sepanjang periode hak legal rights or economic lives.
atas tanah atau umur ekonomis tanah, mana yang
lebih pendek.
l. Aset yang Diambil Alih l. Foreclosed Collaterals
Agunan yang diambil alih diakui sebesar nilai neto Foreclosed collaterals are stated at net realizable
yang dapat direalisasi atau sebesar nilai value or stated at loan outstanding amount,
outstanding kredit yang diberikan, mana yang lebih whichever is lower. Net realizable value is the fair
rendah. Nilai bersih yang dapat direalisasi value of the foreclosed collaterals less the
adalah nilai wajar agunan yang diambil alih estimated costs to sell the assets. The excess of
dikurangi dengan estimasi biaya untuk menjual loan receivable over the net realizable value of the
agunan tersebut. Selisih lebih saldo kredit di atas foreclosed collateral is charged to allowance for
nilai bersih yang dapat direalisasi dari agunan yang impairment losses. The difference between the
diambil alih dibebankan ke dalam akun cadangan recorded amount of the foreclosed collateral and
kerugian penurunan nilai aset. Selisih antara nilai the proceeds from the sale of such collateral is
agunan yang diambil alih dengan hasil penjualan recorded as a gain or loss at the time of sale.
diakui sebagai keuntungan atau kerugian pada saat
penjualan.
Beban-beban yang berkaitan dengan pemeliharaan Maintenance and repair costs related to foreclosed
agunan yang diambil alih dibebankan dalam laporan collaterals are charged as an expense in profit or
laba rugi pada saat terjadinya. loss when incurred.
Bila terjadi penurunan nilai yang bersifat permanen, If there is permanent decline in value, the carrying
maka nilai tercatatnya dikurangi untuk mengakui amount of foreclosed collaterals is written down to
penurunan tersebut dan kerugiannya dibebankan recognize such permanent decline in value and any
dalam laba rugi. such write-down is recognized in profit or loss.
28
Page 400
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
m. Beban Dibayar Di Muka m. Prepaid Expenses
Beban dibayar di muka diamortisasi selama Prepaid expenses are amortized over their
masa manfaat masing-masing biaya dengan beneficial periods using the straight-line method
menggunakan metode garis lurus (straight-line and staging based on Bank’s business plan.
method) dan staging berdasarkan rencana bisnis
Bank.
n. Liabilitas Segera n. Obligation due Immediately
Liabilitas segera dicatat pada saat timbulnya Obligations due immediately are recognized at the
liabilitas atau diterima perintah dari pemberi time of the liabilities occurred or receipt of transfer
amanat, baik dari masyarakat maupun dari bank order from customers or other banks.
lain.
Liabilitas segera disajikan sebesar jumlah yang Obligations due immediately are stated at the
terutang oleh Bank dan diklasifikasikan sebagai amount payable by Bank and classified as financial
liabilitas keuangan yang diukur pada biaya liabilities measured at amortized cost. The specific
perolehan diamortisasi. Kebijakan akuntansi accounting policy for financial liabilities measured
untuk liabilitas keuangan yang diukur pada biaya at amortized cost.
perolehan diamortisasi.
o. Simpanan Nasabah o. Deposits from Customers
Giro merupakan dana nasabah yang dapat Current account represents deposits from
digunakan sebagai alat pembayaran dan customers that can be used as instruments of
penarikannya dapat dilakukan setiap saat melalui payment and can be withdrawn at any time through
cek, atau dengan cara pemindahbukuan dengan cheques or transfer of funds with clearing account
bilyet giro atau sarana perintah pembayaran lainnya. or other forms.
Tabungan merupakan dana nasabah yang bisa Saving account represent deposits from customers
ditarik setiap saat berdasarkan persyaratan tertentu that can be withdrawn at any time based on certain
yang disepakati bersama. conditions agreed by both parties.
Deposito berjangka merupakan simpanan nasabah Time deposit represents deposits from customers
yang dapat ditarik dalam jangka waktu tertentu that can be withdrawn after a certain time in
berdasarkan kesepakatan antara nasabah dengan accordance with the agreement between the
Bank. customers and the Bank.
Pada saat pengakuan awal simpanan dari nasabah At initial recognition deposits from customers are
diukur sebesar nilai wajar dikurangi dengan biaya measured at fair value net of transaction costs
transaksi yang dapat diatribusikan secara langsung, directly attributable to the deposits and are
dan selanjutnya diukur sebesar biaya perolehan measured subsequently at amortized costs using
yang diamortisasi menggunakan metode suku effective interest rate.
bunga efektif.
29
Page 401
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
p. Simpanan dari Bank Lain p. Deposits from Other Banks
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities to
terhadap bank lain, dalam bentuk giro, deposito other banks in the form of current deposits, time
berjangka dan interbank call money. deposits and interbank call money.
Pada saat pengakuan awal simpanan dari bank lain At initial recognition, deposits from other banks are
diukur sebesar nilai wajar dikurangi dengan biaya measured at fair value net of transaction costs
transaksi yang dapat diatribusikan secara langsung directly attributable to the deposits and are
dan selanjutnya diukur sebesar biaya perolehan measured subsequently at amortized cost using EIR
yang diamortisasi menggunakan metode suku method.
bunga efektif.
q. Imbalan Pascakerja q. Post-employment Benefits
Bank menghitung dan mencatat imbalan The Bank calculates and recognizes post-
pascakerja atas uang pesangon, uang employment benefits liabilities for severance pay,
penghargaan masa kerja dan uang penggantian gratuity and compensation in accordance with
hak sesuai dengan Undang-Undang Labor Law No. 13 dated March 25, 2003 (UU
Ketenagakerjaan No. 13 Tahun 2003 tanggal 25 No. 13/2003) and PSAK No 219 on “Employee
Maret 2003 (UU No. 13/2003) dan PSAK No 219 Benefits”. Post- Employment benefits are
tentang “Imbalan Kerja”. Imbalan pascakerja unfunded which amounts are determined based
merupakan manfaat pasti yang dibentuk tanpa on years of service and salaries of the employees
pendanaan khusus dan didasarkan pada masa at the time of pension.
kerja dan jumlah penghasilan karyawan pada saat
pensiun.
Metode penilaian aktuarial yang digunakan untuk The actuarial valuation method used to determine
menentukan nilai kini cadangan imbalan pasti, the present value of defined benefits liabilities,
beban jasa kini yang terkait dan beban jasa lalu related current service costs and past service costs
adalah metode Projected Unit Credit. is the Projected Unit Credit.
Beban jasa kini, beban bunga, beban jasa lalu yang Current service costs, interest costs, past service
telah menjadi hak karyawan dan dampak costs which are already vested, and effects of
kurtailmen atau penyelesaian (jika ada) diakui curtailments and settlements (if any) are charged
pada laporan laba rugi dan penghasilan directly to statement of profit or loss and other
komprehensif lain periode berjalan. comprehensive income in the current period.
Beban jasa lalu yang belum menjadi hak karyawan Past service costs which are not yet vested and
dan keuntungan atau kerugian aktuarial actuarial gains or losses for working (active)
diamortisasi selama jangka waktu rata-rata sisa employees are amortized during the employees‟
masa kerja karyawan. average remaining years of service, until the
benefits become vested.
r. Cadangan Kerugian Penurunan Nilai atas Aset r. Allowance for Impairment Losses on Non-financial
Nonkeuangan dan Estimasi Kerugian Komitmen Assets and Estimated Losses on Commitments
dan Kontinjensi and Contingencies
Efektif 1 Januari 2015, Bank menerapkan PSAK Effective January 1, 2015, the Bank adopted PSAK
No. 236 tentang “Penurunan Nilai Aset”, yang No. 236 on “Impairment of Assets”, which provides
mengatur lebih dalam kriteria mengenai hak yang further criterion on legally enforceable right to set-
dapat dipaksakan secara hukum untuk melakukan off the recognized amounts and criterion to settle
saling hapus atas jumlah yang telah diakui dan on a net basis.
kriteria penyelesaian secara bersih.
30
Page 402
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
r. Cadangan Kerugian Penurunan Nilai atas Aset r. Allowance for Impairment Losses on Non-financial
Nonkeuangan dan Estimasi Kerugian Komitmen Assets and Estimated Losses on Commitments
dan Kontinjensi (Lanjutan) and Contingencies (Continued)
PSAK No 236 tentang “Penurunan Nilai Aset” In compliance with PSAK No 236 on “Impairment
mensyaratkan manajemen Bank untuk menelaah in Asset Value”, asset values are reviewed for
nilai aset untuk setiap penurunan dan any impairment and possible write- down to their
penghapusan ke nilai wajar jika keadaan fair values whenever events or changes in
menunjukkan bahwa nilai tercatat tidak bisa circumstances indicate that the carrying value may
diperoleh kembali. Di lain pihak, pemulihan not be fully recovered. On the other hand, a
kerugian penurunan nilai diakui apabila terdapat reversal of an impairment loss is recognized
indikasi bahwa penurunan nilai tersebut tidak lagi whenever there is indication that the asset is not
terjadi. Penurunan (pemulihan) nilai aset diakui impaired anymore. The amount of impairment loss
sebagai beban (pendapatan) pada laba rugi dan (reversal of impairment loss) is recognized in
penghasilan komprehensif lain periode berjalan. statement of the profit and loss and the
comprehensive income the current period.
Nilai tercatat aset ditelaah kembali dan dilakukan The carrying values of assets are reviewed
penurunan nilai apabila terdapat peristiwa atau for impairment when events or changes in
perubahan kondisi tertentu yang mengindikasikan circumstances indicate that the carrying values
nilai tercatat tersebut tidak dapat dipulihkan may not be recoverable. Any impairment loss is
sepenuhnya. Setiap rugi penurunan atau included in the statement of profit or loss and other
pemulihan nilai diakui pada laporan laba rugi dan comprehensive income in the current period
penghasilan komprehensif lain periode berjalan.
s. Pendapatan dan Beban Bunga s. Interest Income and Expenses
Pendapatan dan beban bunga diakui dalam Interest revenue and expenses are recognized
laporan laba rugi dan penghasilan komprehensif in the statement of profit or loss and other
lain menggunakan metode suku bunga efektif. comprehensive income using the EIR method. The
Suku bunga efektif adalah suku bunga yang secara EIR is the rate that exactly discounts the estimated
tepat mendiskontokan estimasi pembayaran dan future cash payments and receipts through the
penerimaan kas di masa datang selama masa expected life of the financial assets or liabilities (or,
perkiraan umur dari aset keuangan atau liabilitas where appropriate, a shorter period) to the carrying
keuangan (atau, jika lebih tepat, digunakan amount of the financial assets or liabilities. When
periode yang lebih singkat) untuk memperoleh nilai calculation the EIR, the Bank estimates future cash
tercatat dari aset keuangan atau liabilitas flow considering all contractual terms of the
keuangan. Pada saat menghitung suku bunga financial instrument but not future credit losses.
efektif, Bank mengestimasikan arus kas di masa The carrying amount of the financial asset or
datang dengan mempertimbangkan seluruh financial liability are adjusted if the Bank revises its
persyaratan kontraktual dalam instrumen estimates of payments or receipts.
keuangan tersebut, tetapi tidak
mempertimbangkan kerugian kredit di masa
mendatang. Nilai tercatat aset atau liabilitas
keuangan disesuaikan jika Bank merevisi estimasi
pembayaran maupun penerimaan.
Nilai tercatat yang disesuaikan tersebut dihitung The adjusted carrying amount is calculated based
dengan menggunakan suku bunga efektif awal dan on the original EIR and the change in carrying
perubahan nilai tercatat dicatat di laporan laba amount is recorded in the statement of profit or
rugi dan penghasilan komprehensif lain. Tetapi loss and other comprehensive income. However,
untuk aset keuangan yang telah direklasifikasi, for a reclassified financial asset for which the Bank
dimana pada tahun berikutnya Bank subsequently increases its estimates of future
meningkatkan estimasi penerimaan kas sebagai cash receipts as a result of increased recoverability
hasil dari peningkatan pengembalian penerimaan of those cash receipts, the effect of that increase
kas, dampak peningkatan pemulihan tersebut is recognized as an adjustment to the EIR from the
diakui sebagai penyesuaian suku bunga efektif date of the change of estimation.
sejak tanggal perubahan estimasi.
31
Page 403
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
s. Pendapatan dan Beban Bunga (Lanjutan) s. Interest Income and Expenses (Continued)
Pada saat nilai tercatat aset keuangan atau Once the recorded value of a financial asset or a
kelompok aset keuangan yang serupa telah group of similar financial assets has been reduced
diturunkan akibat adanya kerugian penurunan nilai, due to an impairment loss, interest income
penghasilan bunga tetap diakui dengan continues to be recognized using the rate of interest
menggunakan tingkat suku bunga yang digunakan used to discount the future cash flows for the
untuk mendiskontokan arus kas masa mendatang purpose of measuring the impairment loss.
dalam pengukuran kerugian penurunan nilai.
Penerimaan dari kredit yang diklasifikasikan Collection from loans classified as substandard,
sebagai kurang lancar, diragukan dan macet (non- doubtful and loss (non-performing) are recognized
performing) diakui terlebih dahulu sebagai as a deduction of loans outstanding. The excess
pengurang pokok kredit. Kelebihan penerimaan payment from loans outstanding is recognized as
dari pokok kredit diakui sebagai penghasilan interest income.
bunga.
t. Pendapatan dan Biaya Lain-lain t. Other Income and Expenses
Provisi yang dapat diatribusikan secara langsung Fees that are directly attributable to the financial
terhadap aset keuangan diakui sebagai asset are recognized as adjustments to the EIR
penyesuaian atas suku bunga efektif aset method on such asset. Other fees are recognized as
keuangan tersebut. Provisi lainnya yang the related services are performed under accrual
berhubungan dengan jasa disajikan dengan dasar basis. Revenue from late charge and penalty are
akrual (accrual basis). Pendapatan denda recognized when received. All of these other income
keterlambatan dan penalti diakui pada saat and expenses are recorded in the statement of
diterima. Seluruh penghasilan dan beban lain-lain profit or loss and other comprehensive income
yang terjadi dibebankan pada laporan laba rugi dan when incurred.
penghasilan komprehensif lain pada saat
terjadinya.
u. Sewa u. Lease
Perusahaan sebagai Penyewa The Company as a Lessee
Perusahaan menerapkan pendekatan pengakuan The Company applies a single recognition and
dan pengukuran tunggal untuk semua sewa, kecuali measurement approach for all leases, except for
untuk sewa jangka pendek dan sewa aset bernilai short-term leases and leases of low-value assets.
rendah. Perusahaan mengakui liabilitas sewa untuk The Company recognizes lease liabilities to make
melakukan pembayaran sewa dan aset hak-guna lease payments and right-of-use assets representing
yang mewakili hak untuk menggunakan aset the right to use the underlying assets.
pendasar.
i. Aset Hak-guna i. Right-of-use Assets
Perusahaan mengakui aset hak-guna pada The Company recognizes right-of-use assets at
tanggal permulaan (yaitu pada tanggal di mana the commencement date of the lease (i.e., the
aset pendasar telah tersedia untuk digunakan). date the underlying asset is available for use).
Aset hak-guna diukur pada biaya perolehan, Right-of-use assets are measured at cost, less
dikurangi dengan akumulasi penyusutan dan any accumulated depreciation and impairment
penurunan nilai. Biaya perolehan aset hak-guna losses, and adjusted for any remeasurement of
meliputi jumlah pengukuran liabilitas sewa, lease liabilities. The cost of right-of-use assets
biaya langsung awal yang dikeluarkan oleh includes the amount of lease liabilities
penyewa, dan pembayaran sewa yang recognized, initial direct costs incurred, and
dilakukan pada atau sebelum tanggal lease payments made at or before the
permulaan, dikurangi dengan insentif sewa commencement date less any lease incentives
yang diterima. Aset hak-guna disusutkan received. Right-of-use assets are depreciated
dengan metode garis lurus selama periode on a straight-line basis over the shorter of the
yang lebih pendek antara masa sewa dan lease term and the estimated useful lives of the
estimasi masa manfaat aset. assets.
32
Page 404
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
u. Sewa (Lanjutan) u. Lease (Continued)
Perusahaan sebagai Penyewa (Lanjutan) The Company as a Lessee (Continued)
i. Aset Hak-guna (Lanjutan) i. Right-of-use Assets (Continued)
Jika kepemilikan aset sewaan dialihkan kepada If ownership of the leased asset transfers to the
Perusahaan pada akhir masa sewa atau jika Company at the end of the lease term or the
biaya perolehan aset hak-guna merefleksikan cost of the right-of-use asset reflects the
eksekusi opsi beli, penyusutan dihitung exercise of a purchase option, depreciation is
menggunakan taksiran masa manfaat aset. calculated using the estimated useful life of the
asset.
ii. Liabilitas Sewa ii. Lease Liabilities
Pada tanggal permulaan sewa, Perusahaan At the commencement date of the lease, the
mengakui liabilitas sewa diukur pada nilai Company recognizes lease liabilities measured
sekarang pembayaran sewa yang akan dibayar at the present value of lease payments to be
selama masa sewa. Pembayaran sewa meliputi made over the lease term. The lease payments
pembayaran tetap (termasuk pembayaran tetap include fixed payments (including in-substance
secara-substansi) dikurangi dengan piutang fixed payments) less any lease incentives
insentif sewa, pembayaran sewa variabel yang receivable, variable lease payments that
bergantung pada indeks atau suku bunga dan depend on an index or a rate and amounts
jumlah yang diperkirakan akan dibayarkan expected to be paid under residual value
dalam jaminan nilai residu. Pembayaran sewa guarantees. The lease payments also include
juga meliputi harga eksekusi dari opsi beli the exercise price of a purchase option
cukup pasti untuk mengeksekusi opsi oleh reasonably certain to be exercised by the
Perusahaan dan pembayaran penalti untuk Company and payments of penalties for
penghentian sewa, jika masa sewa terminating the lease, if the lease term reflects
merefleksikan Perusahaan mengeksekusi opsi the Company exercising the option to terminate.
untuk menghentikan sewa.
Dalam menghitung nilai kini pembayaran sewa, In calculating the present value of lease
Perusahaan menggunakan suku bunga pinjaman payments, the Company uses its incremental
inkremental pada tanggal permulaan sewa borrowing rate at the lease commencement
karena suku bunga implisit tidak dapat segera date because the interest rate implicit in the
ditentukan. Setelah tanggal permulaan, saldo lease is not readily determinable. After the
liabilitas sewa ditingkatkan untuk merefleksikan commencement date, the amount of lease
pertambahan bunga dan dikurangi untuk sewa liabilities is increased to reflect the accretion
yang telah dibayar. Selain itu, nilai tercatat of interest and reduced for the lease
liabilitas sewa diukur kembali jika terdapat payments made. In addition, the carrying
modifikasikan, perubahan masa sewa, (yaitu, amount of lease liabilities is remeasured if
perubahan pembayaran sewa masa depan there is a modification, a change in the lease
sebagai akibat dari perubahan indeks atau suku term, a change in the lease payments (e.g.,
bunga yang digunakan untuk menentukan changes to future payments resulting from a
pembayaran sewa tersebut) atau perubahan change in an index or rate used to determine
pada penilaian atas opsi untuk membeli aset such lease payments) or a change in the
pendasar. assessment of an option to purchase the
underlying asset.
33
Page 405
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
u. Sewa (Lanjutan) u. Lease (Continued)
Perusahaan sebagai Penyewa (Lanjutan) The Company as a Lessee (Continued)
iii. Sewa jangka pendek dan sewa aset bernilai iii. Short-term leases and leases of low-value
rendah assets
Perusahaan menerapkan pengecualian The Company applies the short-term lease
pengakuan sewa jangka pendek untuk sewa recognition exemption to its short-term leases
jangka pendeknya (yaitu, sewa yang memiliki (i.e., those leases that have a lease term of 12
jangka waktu sewa 12 bulan atau kurang, months or less from the commencement date
dari tanggal permulaan dan tidak and do not contain a purchase option). It also
mengandung opsi beli). Hal ini juga berlaku applies the lease of low-value assets
untuk pengecualian pengakuan sewa aset recognition exemption to leases that are
bernilai rendah untuk sewa yang dianggap considered to be low value. Lease payments
bernilai rendah. Pembayaran sewa untuk on short-term leases and leases of low-value
sewa jangka pendek dan sewa dari aset assets are recognized as expense on a
bernilai rendah diakui sebagai beban dengan straight-line basis over the lease term.
metode garis lurus selama masa sewa.
Perusahaan mengklasifikasikan sewa The Company classifies leases based on the
berdasarkan sejauh mana risiko dan manfaat extent to which risks and benefit incidental to
yang terkait dengan kepemilikan aset sewaan the ownership of a leased asset are vested
berada pada lessor atau lessee, dan pada with the lessor or the lessee, and the
substansi transaksi daripada bentuk substance of the transaction rather than the
kontraknya, pada tanggal pengakuan awal. form of the contract, at the date of initial
recognition.
v. Penjabaran Mata Uang Asing v. Foreign Currency Translations
Transaksi dalam mata uang asing dijabarkan ke Transactions denominated in a foreign currency are
mata uang Rupiah dengan menggunakan kurs converted into Rupiah using the current rate on
yang berlaku pada saat transaksi tersebut. Pada those transaction dates. At the reporting date,
tanggal posisi keuangan, aset dan liabilitas monetary assets and liabilities denominated in
moneter dalam mata uang asing dijabarkan foreign currencies are translated using the Bank
dengan kurs tengah Bank Indonesia yang Indonesia middle rate sourced from Reuters at
bersumber dari Reuters pada pukul 16.00 Waktu 16.00 Western Indonesia Time prevailing at the
Indonesia Barat yang berlaku pada tanggal posisi reporting date.
keuangan.
Keuntungan dan kerugian selisih kurs yang timbul Exchange gains and losses arising from
dari transaksi dalam mata uang asing dan dari transactions in foreign currency and on the
penjabaran aset dan liabilitas moneter dalam translation of foreign currency monetary assets and
mata uang asing, diakui pada laporan laba rugi, liabilities are recognized in the statement of income,
kecuali apabila ditangguhkan pada bagian ekuitas except when deferred in equity as qualifying cash
sebagai lindung nilai arus kas yang memenuhi flow hedges.
syarat.
Selisih penjabaran mata uang asing atas efek Translation differences on debt securities and other
utang dan aset moneter keuangan lain yang diukur monetary financial assets measured at fair value
berdasarkan nilai wajar dicatat sebagai bagian dari are included in foreign exchange gains and losses.
keuntungan dan kerugian selisih kurs.
34
Page 406
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
v. Penjabaran Mata Uang Asing (Lanjutan) v. Foreign Currency Translations (Continued)
Berikut ini adalah kurs mata uang asing utama Below are the major exchange rates used for
yang digunakan untuk penjabaran pada tanggal translation as of December 31, 2025 and 2024:
31 Desember 2025 dan 2024:
2025 2024
1 USD 16.675 16.095 1 USD
1 SGD 12.965 11.845 1 SGD
1 AUD 11.152 10.014 1 AUD
1 EUR 19.571 16.758 1 EUR
1 CNY 2.385 2.205 1 CNY
1 JPY 107 103 1 JPY
w. Perpajakan w. Taxation
Beban pajak kini ditentukan berdasarkan laba Current tax expense is determined based on the
kena pajak dalam tahun yang bersangkutan yang taxable income for the year computed using the
dihitung berdasarkan tarif pajak yang berlaku. prevailing tax rates.
Sesuai dengan PSAK No. 212, “Pajak In accordance with PSAK No. 212 on “Income
Penghasilan”, aset dan liabilitas pajak tangguhan Taxes”, deferred tax assets and liabilities are
diakui atas konsekuensi pajak periode mendatang recognized for the future tax consequences
yang timbul dari perbedaan jumlah tercatat aset attributable to the differences between the financial
dan liabilitas menurut laporan keuangan dengan statement carrying amounts of existing assets and
dasar pengenaan pajak aset dan liabilitas. liabilities and their respective tax bases. Deferred
Liabilitas pajak tangguhan diakui untuk semua tax liabilities are recognized for all taxable
perbedaan temporer kena pajak dan aset pajak temporary differences and deferred tax assets are
tangguhan diakui untuk perbedaan temporer yang recognized for deductible temporary differences
boleh dikurangkan dan rugi fiskal yang belum and carryforward tax benefit of unused fiscal losses
dikompensasikan, sepanjang besar kemungkinan to the extent that it is probable that taxable income
dapat dimanfaatkan untuk mengurangi laba kena will be available in future periods against which the
pajak pada masa datang. deductible temporary differences and carryforward
tax benefit of unused fiscal losses can be utilized.
Pajak tangguhan diukur dengan menggunakan Deferred tax is calculated at the tax rates that
tarif pajak yang berlaku atau secara substansial have been enacted or substantively enacted at
telah berlaku pada tanggal laporan posisi statement of financial position date. Deferred tax is
keuangan. Pajak tangguhan dibebankan atau charged to or credited in the statements of income,
dikreditkan dalam laporan laba rugi kecuali pajak except when it relates to items recognized as other
tangguhan yang dibebankan atau dikreditkan comprehensive income in which case the deferred
langsung ke penghasilan komprehensif lain. tax is also charged to or credited recognized as
other comprehensive income.
Aset dan liabilitas pajak tangguhan disajikan di Deferred tax assets and liabilities are offset in the
laporan posisi keuangan, atas dasar kompensasi statements of financial position in the same
sesuai dengan penyajian aset dan liabilitas pajak manner the current tax assets and liabilities are
kini. Perubahan atas liabilitas pajak dicatat ketika presented. Amendments to tax obligations are
hasil pemeriksaan diterima atau, jika Bank recorded when an assessment is received or, if
mengajukan banding, ketika hasil banding telah appealed against by the Bank, when the result of
ditetapkan. the appeal is determined.
35
Page 407
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
x. Pelaporan Segmen x. Segmen Reporting
Bank menerapkan PSAK No. 108 tentang The Bank applied PSAK No. 108 on “Operating
“Segmen Operasi”. PSAK revisi ini mengatur Segments”. The revised PSAK requires disclosures
pengungkapan yang memungkinkan pengguna that will enable users of financial statements to
laporan keuangan untuk mengevaluasi sifat dan evaluate the nature and financial effects of the
dampak keuangan dari aktivitas bisnis yang mana business activities in which the entity engages and
entitas terlibat dan lingkungan ekonomi di mana the economic environments in which it operates.
entitas beroperasi. Tidak terdapat dampak There is no significant impact on the adoption of the
signifikan atas penerapan standar akuntansi yang revised accounting standard on the financial
direvisi tersebut terhadap laporan keuangan. statements.
Segmen adalah bagian khusus dari Bank yang Segment is a distinguishable component of the
terlibat baik dalam menyediakan produk dan jasa Bank that is engaged either in providing certain
(segmen usaha), maupun dalam menyediakan products (business segment), or in providing
produk dan jasa dalam lingkungan ekonomi products within a particular economic environment
tertentu (segmen geografis), yang memiliki risiko (geographical segment), which is subject to risks
dan imbalan yang berbeda dari segmen lainnya. and rewards that are different from those of other
segments.
Jumlah setiap unsur segmen dilaporkan The amount of each segment item reported shall be
merupakan ukuran yang dilaporkan kepada the measure reported to the operational decision
pengambil keputusan operasional untuk tujuan maker for the purposes of making decisions about
pengambilan keputusan untuk mengalokasikan allocating resources to the segment and assessing
sumber daya kepada segmen dan menilai its performance.
kinerjanya.
Pendapatan, beban, hasil, aset, dan liabilitas Segment revenues, expenses, results, assets, and
segmen termasuk item-item yang dapat liabilities include items directly attributable to a
diatribusikan langsung kepada suatu segmen segment as well as those that can be allocated on
serta hal-hal yang dapat dialokasikan dengan a reasonable basis to that segment. They are
dasar yang sesuai kepada segmen tersebut. determined before intra-group balances and
Segmen ditentukan sebelum saldo transaksi antar intragroup transactions are eliminated.
kelompok usaha dieliminasi.
y. Efek-Efek Yang Dijual Dengan Janji Dibeli Kembali y. Securities Sold Under Repurchase Agreements and
Dan Efek-Efek Yang Dibeli Dengan Janji Jual Securities Purchased Under Resale Agreements
Kembali
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase agreements
(repo) disajikan sebagai liabilitas sebesar harga (repo) are presented as liabilities and stated at the
pembelian kembali yang disepakati dikurangi agreed repurchase price less the difference
selisih antara harga jual dan harga pembelian between the selling price and agreed repurchase
kembali yang disepakati. Selisih antara harga jual price. The difference between the selling price and
dan harga pembelian kembali yang disepakati agreed repurchase price is amortized using
tersebut diamortisasi dengan menggunakan effective interest rate method as interest expense
metode suku bunga efektif sebagai beban bunga over the period commencing from the selling date
selama jangka waktu sejak efek-efek tersebut to the repurchase date.
dijual hingga saat dibeli kembali.
36
Page 408
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
y. Efek-Efek Yang Dijual Dengan Janji Dibeli Kembali y. Securities Sold Under Repurchase Agreements and
Dan Efek-Efek Yang Dibeli Dengan Janji Jual Kembali Securities Purchased Under Resale Agreements
(Lanjutan) (Continued)
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
(reverse repo) disajikan sebagai tagihan sebesar (reverse repo) are presented as receivables and
harga jual kembali efek-efek yang disepakati stated at the agreed resale price less the difference
dikurangi selisih antara harga beli dan harga jual between the purchase price and the agreed resale
kembali yang disepakati. Selisih antara harga beli price. The difference between the purchase price and
dan harga jual kembali yang disepakati tersebut the agreed resale price is amortized using the
diamortisasi dengan metode suku bunga efektif effective interest method as interest income over the
sebagai pendapatan bunga selama jangka waktu period commencing from the acquisition date to the
sejak efek-efek tersebut dibeli hingga dijual kembali. resale date.
z. Provisi z. Provision
Bank menerapkan PSAK No 237 tentang “Provisi, The Bank adopted PSAK No. 237 on “Provisions,
Liabilitas Kontinjensi dan Aset Kontinjensi”. Contingent Liabilities and Contingent Assets”.
Provisi diakui jika Bank memiliki liabilitas kini (baik Provisions are recognized when the Bank has a
bersifat hukum maupun bersifat konstruktif) yang present obligation (legal or constructive) where, as a
akibat peristiwa masa lalu besar kemungkinannya result of a past event, it is probable that an outflow of
penyelesaian liabilitas tersebut mengakibatkan arus resources embodying economic benefits will be
keluar sumber daya yang mengandung manfaat required to settle the obligation and a reliable
ekonomik dan estimasi yang andal mengenai jumlah estimate can be made of the amount of the
liabilitas tersebut dapat dibuat. obligation.
Provisi ditelaah pada setiap tanggal pelaporan dan Provisions are reviewed at each reporting date and
disesuaikan untuk mencerminkan estimasi kini adjusted to reflect the current best estimate. If it is no
terbaik. Jika tidak terdapat kemungkinan arus keluar longer probable that an outflows of resources
sumber daya yang mengandung manfaat ekonomik embodying economic benefits will be required to
untuk menyelesaikan liabilitas tersebut, provisi tidak settle the obligation, the provision is reversed.
diakui.
aa. Laba per Saham aa. Earnings per Share
Sesuai dengan PSAK No. 233, “Laba per Saham”, In accordance with PSAK No. 233, “Earnings per
laba per saham dasar dihitung dengan membagi Share”, basic earnings per share is computed by
laba bersih yang diatribusikan kepada pemilik dividing net profit attributable to the owners of the
entitas induk dengan jumlah rata-rata tertimbang entity with the weighted average number of
jumlah saham yang beredar pada periode berjalan. outstanding shares during the period.
Laba per saham dilusian dasar dihitung dengan Diluted earnings per share is calculated by dividing
membagi laba bersih yang diatribusikan kepada net profit attributable to the owners of the entity by
pemilik entitas induk dengan rata-rata tertimbang the weighted average number of shares outstanding
jumlah saham yang beredar ditambah dengan rata- as adjusted for the effects of all potentially dilutive
rata tertimbang yang telah disesuaikan dengan ordinary shares.
dampak dari semua efek yang berpotensi saham
yang bersifat dilutif.
37
Page 409
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI, DAN 3. USE OF JUDGMENT, ESTIMATES, AND ASSUMPTIONS
ASUMSI
Dalam penyusunan laporan keuangan sesuai dengan SAK The preparation of financial statements in conformity
Indonesia, dibutuhkan pertimbangan, estimasi dan with Indonesian SAK, requires the use of judgment,
asumsi yang mempengaruhi. estimates, and assumptions that affects.
Pertimbangan dalam Penerapan Kebijakan Akuntansi Judgment in Applying Accounting Policies
Pertimbangan berikut ini dibuat oleh manajemen dalam The following judgements are made by management in
rangka penerapan kebijakan akuntansi Bank yang the process of applying the Bank‟s accounting policies
memberikan pengaruh paling signifikan atas jumlah yang that give the most significant effects on the amounts
diakui dalam laporan keuangan: recognized in the financial statements:
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and liabilities
Bank menetapkan klasifikasi atas aset dan liabilitas The Bank determines the classifications of certain assets
tertentu sebagai aset keuangan dan liabilitas keuangan and liabilities as financial assets and financial liabilities
dengan mempertimbangkan apakah definisi yang by judging if they meet the definition set forth in PSAK
ditetapkan PSAK No. 109 tentang ”Penyajian Instrumen No. 109 on “Financial Instruments: Presentation” are
Keuangan” dipenuhi. met.
Asumsi dan Sumber Estimasi Ketidakpastian Assumptions and Estimations Source of Uncertainity
Asumsi utama masa depan dan sumber utama estimasi The key assumptions concerning the future and other
ketidakpastian lain pada tanggal pelaporan yang key sources of estimation uncertainty at the reporting
memiliki risiko signifikan bagi penyesuaian yang material date that have a significant risk of causing a material
terhadap nilai tercatat aset dan liabilitas untuk tahun/ adjustment to the carrying amounts of assets and
periode berikutnya, diungkapkan di bawah ini. Bank liabilities within the next financial year/period are
mendasarkan asumsi dan estimasi pada parameter yang disclosed below. The Bank based its assumptions and
tersedia pada saat laporan keuangan disusun. estimates on parameters available when the financial
statements were prepared.
Asumsi dan situasi mengenai perkembangan masa Existing circumstances and assumptions about future
depan, mungkin berubah akibat perubahan pasar atau developments, may change due to market changes or
situasi di luar kendali Bank. Perubahan tersebut circumstances arising beyond the control of the Bank.
dicerminkan dalam asumsi terkait pada saat terjadinya. Such changes are reflected in the assumptions as they
occur.
Nilai wajar instrumen keuangan Fair value of financial instrument
Jika nilai wajar dari aset dan liabilitas keuangan yang Where the fair value of financial assets and financial
tercatat dalam laporan posisi keuangan tidak dapat liabilities recorded on the statements of financial position
diperoleh dari pasar aktif, nilai wajar ditentukan dari cannot be derived from active markets, they are
beberapa teknik penilaian termasuk model matematika determined using a variety of valuation techniques which
yang menggunakan estimasi dan asumsi, seperti teknik require the use of estimates and assumptions, including
penilaian analisa arus kas masa depan yang didiskonto mathematical models, such as discounted future cash
menggunakan suku bunga pasar yang berlaku. flows analysis by using prevailing market rate.
Cadangan kerugian penurunan nilai atas kredit Allowance for impairment losses on loans
Bank melakukan penelaahan atas kredit pada setiap The Bank reviews its loans at reporting date to evaluate
tanggal pelaporan untuk melakukan penilaian atas the allowance for impairment losses. Management’s
cadangan penurunan nilai yang telah dicatat. judgment is applied in the estimation of the amount and
Pertimbangan manajemen diperlukan untuk melakukan timing of future cash flows when determining the level of
estimasi atas jumlah dan waktu arus kas dalam allowance required. These specific provisions are re-
menentukan tingkat cadangan yang dibutuhkan. Provisi evaluated and adjusted as additional information
spesifik ini dievaluasi kembali dan disesuaikan jika received affects the amounts of allowance for impairment
tambahan informasi yang diterima memengaruhi jumlah loss.
cadangan kerugian penurunan nilai.
38
Page 410
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI, DAN 3. USE OF JUDGMENT, ESTIMATES, AND ASSUMPTION
ASUMSI (Lanjutan) (Continued)
Asumsi dan Sumber Estimasi Ketidakpastian Assumptions and Estimations Source of Uncertainity
(Lanjutan) (Continued)
Aset pajak tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas jumlah pajak Deferred tax assets are recognized for the recoverable
penghasilan terpulihkan (recoverable) pada periode taxable income for the future from temporary difference.
mendatang sebagai akibat perbedaan temporer yang Management judgment is required to determine the
dapat dikurangkan. Pertimbangan manajemen diperlukan amount of deferred tax assets that can be recognized,
untuk menentukan jumlah aset pajak tangguhan yang bisa based on timing and level of future taxable profits in line
diakui, berdasarkan waktu dan estimasi laba fiskal di with future tax planning strategies.
masa mendatang sejalan dengan strategi rencana
perpajakan ke depan.
Liabilitas imbalan pascakerja Post-employment benefits liabilities
Liabilitas imbalan pascakerja ditentukan berdasarkan Post-employment benefits liabilities is determined based
perhitungan aktuaria. Perhitungan aktuaria mengunakan on actuarial valuation. The actuarial valuation involves
asumsi-asumsi seperti tingkat diskonto, tingkat making assumptions about discount rate, expected rate of
pengembalian investasi, tingkat kenaikan gaji, tingkat return on investments, future salary increases, mortality
kematian, tingkat pengunduran diri dan lain-lain. rate, resignation rate and others.
Penyusutan aset tetap Depreciation of fixed assets
Nilai revaluasian aset tetap disusutkan dengan The revalued value of fixed assets is depreciated on a
menggunakan metode garis lurus berdasarkan taksiran straight-line basis over their estimated useful lives.
masa manfaat ekonomiknya. Manajemen mengestimasi Management properly estimates the useful lives
masa manfaat ekonomik aset tetap antara 4 sampai of these fixed assets to be within 4 to
dengan 20 tahun. Ini adalah umur yang secara umum 20 years. These are common life expected apply in the
diharapkan dalam industri di mana Bank menjalankan industries where the Bank conducts its businesses.
bisnisnya. Perubahan tingkat pemakaian dan Changes in the expected level of usage and technological
perkembangan teknologi dapat memengaruhi masa development could impact the economic useful lives and
manfaat ekonomik dan nilai sisa aset, dan karenanya the residual values of these assets, and therefore future
beban penyusutan masa depan mungkin direvisi. depreciation charges could be revised.
Pajak penghasilan Income tax
Pertimbangan signifikan dilakukan dalam menentukan Significant judgment is involved in determining the
provisi atas pajak penghasilan badan. Terdapat transaksi provision for corporate income tax. There are certain
dan perhitungan tertentu yang penentuan pajak akhirnya transactions and computation for which the ultimate tax
adalah tidak pasti dalam kegiatan usaha normal. Bank determination is uncertain during the ordinary course of
mengakui liabilitas atas pajak penghasilan badan business. The Bank recognizes liabilities for expected
berdasarkan estimasi apakah akan terdapat tambahan corporate income tax issues based on estimates of
pajak penghasilan badan. whether additional corporate income tax will be due.
4. KAS 4. CASH
2025 2024
Rupiah 92.065 63.461 Rupiah
Dolar Amerika Serikat 4.116 1.648 United States Dollars
Jumlah 96.181 65.109 Total
39
Page 411
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
5 GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
Giro pada Bank Indonesia terdiri dari: Current accounts with Bank Indonesia consists of:
2025 2024
Rupiah 1.765.161 1.572.601 Rupiah
Mata uang asing Foreign currency
United States
Dolar Amerika Serikat 48.436 46.751 Dollars
Jumlah 1.813.597 1.619.352 Total
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNT WITH OTHER BANKS
Akun ini terdiri dari rekening giro pada bank lain dengan This account consists of current accounts with other
rincian sebagai berikut: banks with details as follows:
2025 2024
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 19.914 9.059 PT Bank Central Asia Tbk
PT Bank Syariah Indonesia 53 59 PT Bank Syariah Indonesia
PT Bank CIMB Niaga Tbk 47 43 PT Bank CIMB Niaga Tbk
PT Bank Mandiri (Persero) Tbk 18 86 PT Bank Mandiri (Persero) Tbk
PT Bank Permata Tbk 16 29 PT Bank Permata Tbk
PT Bank Sinarmas Tbk 10 11 PT Bank Sinarmas Tbk
PT Bank Sahabat Sampoerna 7 - PT Bank Sahabat Sampoerna
PT Bank KB Indonesia Tbk 5 - PT Bank KB Indonesia Tbk
PT Bank Pembangunan PT Bank Pembangunan
Daerah Kalsel 3 - Daerah Kalsel
PT Bank Mega Tbk 2 2 PT Bank Mega Tbk
PT Bank Panin Tbk 1 5 PT Bank Panin Tbk
PT Bank Hibank Indonesia - 4 PT Bank Hibank Indonesia
Dolar Amerika Serikat US Dollar
PT Bank Central Asia Tbk 84.910 16.613 PT Bank Central Asia Tbk
Kookmin Bank, Korea 20.251 6.965 Kookmin Bank, Korea
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 17.511 1.446 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 8.468 1.806 PT Bank Mandiri (Persero) Tbk
PT Bank CIMB Niaga Tbk 6.436 16.287 PT Bank CIMB Niaga Tbk
PT Bank Panin Tbk 226 220 PT Bank Panin Tbk
Dolar Singapura Singapore Dollar
PT Bank Negara Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 7.188 1.931 (Persero) Tbk
Dolar Australia Australian Dollar
PT Bank Central Asia Tbk 1.012 1.960 PT Bank Central Asia Tbk
Euro Euro
PT Bank CIMB Niaga Tbk 1.839 1.928 PT Bank CIMB Niaga Tbk
Yuan China Chinese Yuan
PT Bank ICBC Indonesia 1.527 2.943 PT Bank ICBC Indonesia
PT Bank of China Ltd 477 - PT Bank of China Ltd
Yen Jepang Japanese Yen
PT Bank Negara Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 2.089 3.126 (Persero) Tbk
Jumlah 172.010 64.523 Total
40
Page 412
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (Lanjutan) 6. CURRENT ACCOUNT WITH OTHER BANKS (Continued)
Pada tanggal 31 Desember 2025 dan 2024, tidak As of December 31, 2025 and 2024, there are no current
terdapat giro pada bank lain ditempatkan ke pihak accounts with other banks placed in related party.
berelasi.
Kisaran suku bunga untuk giro pada bank lain disajikan Interest rate range for currents account with other banks
dalam Catatan 38c.ii. disclosed in Note 38c.ii.
Seluruh giro pada bank lain pada tanggal All current accounts with other banks as of
31 Desember 2025 dan 2024 digolongkan sebagai December 31, 2025 and 2024 are classified as current.
lancar.
Manajemen berpendapat bahwa tidak diperlukan Management believes that no allowance for impairment
cadangan kerugian penurunan nilai. losses required.
7. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN 7. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
Akun ini terdiri dari: This account consists of:
2025 2024
Rupiah Rupiah
Fasilitas Simpanan Saving Facility Bank
Bank Indonesia 2.694.714 1.349.803 Indonesia
Interbank Call Money - 50.000 Interbank Call Money
Deposito berjangka - 50.000 Term deposits
Subjumlah 2.694.714 1.449.803 Sub-total
Dikurangi: Less:
Cadang kerugian penurunan Allowance of
nilai - (225) impairment losses
Jumlah 2.694.714 1.449.578 Total
Kisaran suku bunga untuk penempatan pada Bank The average interest rates for placements with Bank
Indonesia dan bank lain disajikan dalam Catatan 38c.ii. Indonesia and other banks are disclosed in Note 38c.ii.
Seluruh penempatan pada Bank lain dan Bank Indonesia All placements with other banks and Bank Indonesia as of
pada tanggal-tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 are classified as current.
diklasifikasikan sebagai lancar.
Manajemen berpendapat bahwa tidak terdapat The Management believes that, there were no impairment
penempatan pada Bank Indonesia dan bank lain yang loss on placements with Bank Indonesia and other banks.
mengalami penurunan nilai.
Tidak ada penempatan pada Bank Indonesia dan bank These placements with Bank Indonesia and other banks
lain yang diblokir dan digunakan sebagai jaminan. are not blocked nor used as collaterals.
Jangka waktu penempatan pada Bank Indonesia dan bank The period of placement at Bank Indonesia and Other
lain dari tanggal penempatannya adalah sebagai berikut: banks from the date of its placement is as follows:
2025 2024
Rupiah Rupiah
Kurang dari atau sama dengan Less than or equal to
tiga bulan 2.694.714 1.449.578 three months
41
Page 413
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK 8. MARKETABLE SECURITIES
Akun ini terdiri dari efek-efek disajikan berdasarkan This account consists of securities presented by it
klasifikasinya sebagai berikut: classification as follows:
2025 2024
Nilai wajar melalui laba rugi: Fair value through profit or loss:
Rupiah Rupiah
Obligasi pemerintah 256.782 250.174 Government bonds
Reksa dana 326.963 309.282 Mutual funds
Subjumlah 583.745 559.456 Sub-total
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain: comprehensive income:
Rupiah Rupiah
SRBI 2.431.730 1.531.197 SRBI
Obligasi pemerintah 664.071 - Government bonds
Reksa dana 141.605 101.725 Mutual funds
Surat utang jangka menengah 946.037 1.389.652 Mid-term bonds
Subjumlah 4.183.443 3.022.574 Sub-total
Biaya perolehan diamortisasi: Amortized cost
Rupiah Rupiah
Obligasi pemerintah 123.630 643.172 Government bonds
Surat utang jangka menengah 1.885.050 1.373.828 Mid-term bonds
Dolar Amerika Serikat United States Dollar
Obligasi pemerintah - 183.816 Government bonds
Subjumlah 2.008.680 2.200.816 Sub-total
Jumlah 6.775.868 5.782.846 Total
Berdasarkan sisa umur hingga jatuh tempo. By on remaining period until maturity.
2025 2024
Rupiah Rupiah
Kurang dari 1 tahun 3.655.104 2.179.704 Less than 1 year
1 - 5 tahun 1.177.515 1.655.606 1 - 5 years
5 - 1 tahun 1.937.769 1.942.009 5 - 10 years
Lebih dari 10 tahun 5.480 5.527 More than 10 years
Jumlah 6.775.868 5.782.846 Total
42
Page 414
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. MARKETABLE SECURITIES (Continued)
Tanggal jatuh tempo, tingkat bunga tahunan, interval Maturity date, annual interest rate, interest payment
pembayaran bunga, peringkat dan nilai tercatat dari efek- interval, rating and carrying amount of marketable
efek adalah sebagai berikut: securities are as follows:
a. Nilai Wajar Melalui Laba Rugi a. Fair Value Through Profit or Loss
i. Obligasi Pemerintah i. Government Bonds
2025
Interval
Tingkat bunga pembayaran
tahunan/ bunga/
Nomor seri/ Jatuh tempo/ Annual interest Interest payment Nilai nominal/ Nilai wajar/
Serial number Maturity date rate interval Value Fair value
FR0059 15 Mei 2027 7% Per semester 50.000 51.356
FR0059 15 Mei 2027 7% Per semester 20.000 20.543
FR0059 15 Mei 2027 7% Per semester 30.000 30.814
FR0059 15 Mei 2027 7% Per semester 40.000 41.085
FR0059 15 Mei 2027 7% Per semester 110.000 112.984
250.000 256.782
2024
Interval
Tingkat bunga pembayaran
tahunan/ bunga/
Nomor seri/ Jatuh tempo/ Annual interest Interest payment Nilai nominal/ Nilai wajar/
Serial number Maturity date rate interval Value Fair value
FR0059 15 May 2027 7% Per semester 250.000 250.174
ii. Reksa Dana ii. Mutual Funds
Nilai aset bersih/
Nama reksa dana/ Net asset value
Type of mutual funds 2025 2024
RD Sucorinvest Money Market Fund 326.963 309.282
b. Nilai Wajar Melalui Penghasilan Komprehensif lainnya b. Fair Value Through Other Comprehensive Income
i. Sekuritas Rupiah Bank Indonesia (SRBI) i. Sekuritas Rupiah Bank Indonesia (SRBI)
2025 2024
Nilai Nilai
Nama produk/ nominal/ Nilai wajar/ nominal/ Nilai wajar/
Product name Value Fair value Value Fair value
SRBI 2.500.000 2.431.730 1.550.000 1.531.197
43
Page 415
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. MARKETABLE SECURITIES (Continued)
b. Nilai Wajar Melalui Penghasilan Komprehensif b. Fair Value Through Other Comprehensive Income
Lainnya (Lanjutan) (Continued)
ii. Obligasi Pemerintah ii. Government Bond
2025
Interval
Tingkat bunga pembayaran
tahunan/ bunga/
Nomor seri/ Jatuh tempo/ Annual interest Interest payment Nilai nominal/ Nilai wajar/
Serial number Maturity date rate interval Value Fair value
FR0104 15-Jul-30 6.5% Per semester 150.000 156.071
PBS003 15-Jan-27 6% Per semester 50.000 50.783
PBS003 15-Jan-27 6% Per semester 50.000 50.783
PBS003 15-Jan-27 6% Per semester 150.000 152.350
PBS030 15-Jul-28 5.88% Per semester 50.000 50.817
PBS030 15-Jul-28 5.88% Per semester 100.000 101.634
PBS030 15-Jul-28 5,88% Per semester 100.000 101.633
650.000 664.071
iii. Reksa Dana iii. Mutual Funds
Nilai aset bersih/
Nama reksa dana/ Net asset value
Type of mutual funds 2025 2024
RD Syailendra Dana Kas 56.244 53.400
Recapital Asset Management 25.434 -
RD Jasa Capital Pasar Uang Nusantara 12.732 12.225
PT Bahana Tcw Invesment Management 10.189 -
RD Sequis Pendapatan Mantap 10.033 10.348
RD Maybank Dana Pasar Uang 5.549 5.293
RD PNM Dana Tunai 5.529 5.219
Demina Capital Asset Management 5.391 -
RD Pinnacle Money Market Fund 5.321 5.021
PT Kisi Asset Management 5.183 -
RD Shinhan Money Market Fund - 5.117
RD MNC Dana Lancar - 5.102
Jumlah/Total 141.605 101.725
44
Page 416
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. MARKETABLE SECURITIES (Continued)
b. Nilai Wajar Melalui Penghasilan Komprehensif Lainnya b. Fair Value Through Other Comprehensive Income
(Lanjutan) (Continued)
iv. Surat Utang Jangka Menengah iv. Mid - Term Bonds
2025
Interval
Tingkat pembayaran
bunga bunga/ Nilai
Tahunan/ Interest nominal/ Nilai
Penerbit/ Peringkat/ Jatuh tempo/ annual payment Nominal wajar/
Issuer Rating Maturity date interest rate interval value Fair value
PPIC02XXMF IrA 22-Jun-27 7,00% Per triwulan 25.000 25.087
BOGA01XXMF IrA- 29-Sep-26 10,00% Per triwulan 198.800 202.356
NIRO01XXMF IrBBB+ 21-Dec-26 9,50% Per triwulan 180.000 182.633
PPIC01XXMF IrA 14-Feb-27 9,50% Per triwulan 30.000 30.881
NIRO01XXMF IrBBB+ 21-Dec-26 9,50% Per triwulan 100.000 101.462
NIRO01XXMF IrBBB+ 21-Dec-26 9,50% Per triwulan 100.000 101.462
NIRO01XXMF IrBBB+ 21-Dec-26 9,50% Per triwulan 100.000 101.462
PPIC02XXMF IrA 22-Jun-27 7,00% Per triwulan 200.000 200.694
Jumlah/Total 946.037
2024
Interval
Tingkat pembayaran
bunga bunga/ Nilai
tahunan/ Interest nominal/ Nilai
Penerbit/ Peringkat/ Jatuh tempo/ Annual payment Nominal wajar/
Issuer Rating Maturity date interest rate interval value Fair value
NIRO01XXMF IrBBB+ 21-Dec-26 9,50% Per triwulan 480.000 476.585
PPIC01XXMF IrA 14-Feb-27 9,50% Per triwulan 300.000 301.788
PPIC02XXMF IrA 22-Jun-27 7,00% Per triwulan 225.000 214.228
CASI01XXMF IrA- 17-Feb-25 8,00% Per triwulan 200.000 199.940
BOGA01XXMF IrBBB+ 29-Sep-26 10,00% Per triwulan 196.800 197.111
Jumlah/Total 1.389.652
45
Page 417
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. MARKETABLE SECURITIES (Continued)
c. Biaya Perolehan Diamortisasi c. Amortized Cost
i. Obligasi Pemerintah i. Government Bonds
a. Rupiah a. Rupiah
2025
Interval
Jatuh Tingkat bunga pembayaran
tempo/ tahunan/ bunga/
Nomor seri/ Maturity Annual interest Interest payment Nilai nominal/ Nilai wajar/
Serial number date rate interval Value Fair Value
FR0056 15-Sep-26 8,38% Per semester 15.000 15.373
FR0073 15-May-31 8,75% Per semester 14.500 16.038
FR0068 15-Mar-34 8,38% Per semester 15.000 15.863
FR0072 15-May-36 8,25% Per semester 5.000 5.480
FR0074 15-Aug-32 7,50% Per semester 20.000 20.819
FR0086 15-Apr-26 5,50% Per semester 10.000 10.008
FR0086 15-Apr-26 5,50% Per semester 20.000 20.016
FR0086 15-Apr-26 5,50% Per semester 20.000 20.033
Jumlah/Total 123.630
2024
Interval
Jatuh Tingkat bunga pembayaran
tempo/ tahunan/ bunga/
Nomor seri/ Maturity Annual interest Interest payment Nilai nominal/ Nilai wajar/
Serial number date rate interval Value Fair value
FR0086 15-Sep-26 5,50% Per semester 150.000 149.533
FR0087 15-Mar-34 6,50% Per semester 250.000 249.693
FR0087 15-May-36 6,50% Per semester 80.373 80.774
FR0056 15-Sep-26 8,38% Per semester 15.000 15.948
FR0068 15-Mar-34 8,38% Per semester 15.000 16.657
FR0072 15-May-36 8,25% Per semester 5.000 5.560
FR0073 15-May-31 8,75% Per semester 14.500 16.439
FR0074 15-Aug-32 7,50% Per semester 20.000 21.005
FR0086 15-Apr-26 5,50% Per semester 10.000 10.040
FR0086 15-Apr-26 5,50% Per semester 20.000 20.076
FR0086 15-Apr-26 5,50% Per semester 20.000 20.155
PBS017 15-Oct-25 6,13% Per semester 37.000 37.292
Jumlah/Total 643.172
46
Page 418
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. MARKETABLE SECURITIES (Continued)
c. Biaya Perolehan Diamortisasi (Lanjutan) c. Amortized Cost (Continued)
i. Obligasi Pemerintah (Lanjutan) i. Government Bonds (Continued)
b. Dolar Amerika Serikat b. United Stated Dollar
2024
Interval
Jatuh Tingkat bunga pembayaran
tempo/ tahunan/ bunga/
Nomor seri/ Maturity Annual interest Interest payment Nilai nominal/ Nilai wajar/
Serial number date rate interval Value Fair value
INDOIS 2031 28-Jul-31 2,55% Per semester 32.190 30.585
INDON 2031 28-Jul-31 2,15% Per semester 48.285 45.878
INDOIS 2031 09-Jun-31 2,55% Per semester 32.190 31.396
INDON 2031 28-Jul-31 2,15% Per semester 48.285 45.574
INDON 2031 28-Jul-31 2,15% Per semester 32.190 30.383
Jumlah/Total 183.816
ii. Surat Utang Jangka Menengah ii. Mid - Term Bonds
2025
Interval
Tingkat pembayaran
bunga bunga/ Nilai
tahunan/ Interest nominal/ Nilai
Penerbit/ Peringkat/ Jatuh tempo/ annual payment Nominal wajar/
Issuer Rating Maturity date interest rate interval value Fair value
ANSMTN IrBBB 18-Sep-35 5,00% Per triwulan 500.000 493.774
BRTNMTN IrBBB 26-Jul-35 5,00% Per triwulan 600.000 588.384
BRTNMTN IrBBB 26-Jul-35 5,00% Per triwulan 300.000 294.192
BRTNMTN IrBBB 26-Jul-35 5,00% Per triwulan 550.000 508.700
Jumlah/Total 1.885.050
2024
Interval
Tingkat pembayaran
bunga bunga/ Nilai
tahunan/ Interest nominal/ Nilai
Penerbit/ Peringkat/ Jatuh tempo/ Annual payment Nominal wajar/
Issuer Rating Maturity date interest rate interval value Fair value
ANSMTN IrBBB 18-Sep-35 5,00% Per triwulan 500.000 493.132
BRTNMTN IrBBB 26-Jul-35 5,00% Per triwulan 600.000 587.111
BRTNMTN IrBBB 26-Jul-35 5,00% Per triwulan 300.000 293.585
Jumlah/Total 1.373.828
47
Page 419
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. MARKETABLE SECURITIES (Continued)
Klasifikasi efek-efek pada tanggal 31 Desember 2025 The classification of Marketable Securities on
dan 2024 adalah lancar. Tidak terdapat saldo efek-efek December 31, 2025 and 2024 as Current. There is no
yang digunakan sebagai jaminan pada tanggal balance of securities used as collateral on
31 Desember 2025 dan 2024. December 31, 2025 and 2024.
Manajemen berpendapat bahwa cadangan kerugian Management argues that the reserves of impairment
penurunan nilai yang dibentuk telah memadai. losses formed have been adequate.
Efek-efek Bank telah diperingkat oleh PT Pemeringkat The Bank’s securities have been rated by
Efek Indonesia (PEFINDO) dan PT Fitch Ratings PT Pemeringkat Efek Indonesia (PEFINDO) and PT Fitch
Indonesia, yang merupakan Perusahaan pemeringkat Ratings Indonesia, which are independent securities
efek independen. rating companies.
9. KREDIT YANG DIBERIKAN 9. LOANS
a. Berdasarkan Jenis Kredit dan Mata Uang a. Based on Type of Loans and Currency
2025
Dalam
perhatian Kurang
khusus/ lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Current mention standard Doubtful Loss Total
Pihak berelasi Related parties
Rupiah Rupiah
Pinjaman karyawan 477 - - - - 477 Employee’s loans
Cadangan kerugian Allowance
penurunan nilai - - - - - - for impairment loss
Jumlah pihak Total related
berelasi - neto 477 - - - - 477 parties - net
Pihak ketiga Third parties
Rupiah Rupiah
Akseptasi 701.300 86.720 - - 1.500 789.520 Acceptance
Akseptasi money
market 1.244.200 - - - - 1.244.200 Acceptance MM
Akseptasi Supply
Chain 10.000 - - - - 10.000 Acceptance CC
Angsuran berjangka 4.498.252 - - - 35.915 4.534.167 Term loans
Rekening koran 84.792 - - - 3.225 88.017 Current accounts
Kredit pensiun 4.385.247 - - - - 4.385.247 Housing ownership
Pinjaman karyawan 292 - - - - 292 Employee’s loans
Kredit invoila 20.994 - - - - 20.994 Invoila loans
Payroll loan 699 - - - - 699 Payroll loans
Kredit JF PMF 392 - - - - 392 JP PMF loans
Cadangan kerugian Allowance
penurunan nilai (4.638) (357) - - (33.219) (38.214) for impairment loss
Jumlah pihak Total
ketiga - neto 10.941.530 86.363 - - 7.421 11.035.314 Third parties - net
Jumlah neto 10.942.007 86.363 - - 7.421 11.035.791 Total net
48
Page 420
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
a. Berdasarkan Jenis Kredit dan Mata Uang a. Based on Type of Loans and Currency (Continued)
(Lanjutan)
2024
Dalam
perhatian Kurang
khusus/ lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Current mention standard Doubtful Loss Total
Pihak berelasi Related parties
Rupiah Rupiah
Pinjaman karyawan 434 - - - - 434 Employee’s loans
Cadangan kerugian Allowance for
penurunan nilai (2) - - - - (2) impairment loss
Jumlah pihak Total related
berelasi - neto 432 - - - - 432 parties - net
Pihak ketiga Third parties
Rupiah Rupiah
Akseptasi 789.352 - - - 1.500 790.852 Acceptance
Akseptasi money market 1.319.700 - - - - 1.319.700 Acceptance MM
Angsuran berjangka 4.573.626 35.748 - - - 4.609.374 Term loans
Rekening koran 57.454 - - - 3.400 60.854 Current accounts
Kredit pensiun 1.033.199 6.487 - - - 1.039.686 Housing ownership
Pinjaman karyawan 1.851 - - - - 1.851 Employee’s loans
Kredit invoila 8.260 - - - - 8.260 Invoila loans
Payroll loan 782 - - - - 782 Payroll loans
Kredit JF PMF 861 - - - - 861 JP PMF loans
Cadangan kerugian Allowance for
penurunan nilai (32.590) (399) - - (4.900) (37.889) impairment loss
Jumlah pihak Total third
ketiga - neto 7.752.495 41.836 - - - 7.794.331 parties - net
Jumlah neto 7.752.927 41.836 - - - 7.794.763 Total net
b. Berdasarkan Sektor Ekonomi dan Mata Uang b. Based on Economic Sector and Currency
2025
Dalam
perhatian Kurang
khusus/ lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Current mention standard Doubtful Loss Total
Rupiah Rupiah
Pertanian, kehutanan, Agriculture,
dan perikanan - - - - 4.725 4.725 forestry, and fisheries
Industri pengolahan 20.769 - - - - 20.769 Manufacturing
Konstruksi 375.000 - - - - 375.000 Construction
Perdagangan besar dan
eceran, reparasi dan Wholesale and
perawatan mobil dan retail, agricultural
sepeda motor 511.265 - - - - 511.265 facilities
Transportasi dan Transportation
pergudangan 68.000 - - - - 68.000 and warehouse
Aktivitas profesi, ilmiah Profession,
dan teknis 5.682.618 86.720 - - 35.915 5.805.253 scientific technical
Rumah tangga 4.288.993 - - - - 4.288.993 Household
Jumlah 10.946.645 86.720 - - 40.640 11.074.005 Total
Cadangan kerugian Allowance for
penurunan nilai (4.638) (357) - - (33.219) (38.214) impairment loss
Jumlah neto 10.942.007 86.363 - - 7.421 11.035.791 Total net
49
Page 421
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
b. Berdasarkan Sektor Ekonomi dan Mata Uang b. Based on Economic Sector and Currency
(Lanjutan) (Continued)
2024
Dalam
perhatian Kurang
khusus/ lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Current mention standard Doubtful Loss Total
Rupiah Rupiah
Agriculture,
Pertanian, kehutanan, forestry, and
dan perikanan - - - - 4.900 4.900 fisheries
Industri pengolahan 40.138 - - - - 40.138 Manufacturing
Pengadaan listrik, gas,
uap/ air panas, dan Electricity, gases,
udara 67 - - - - 67 water, and air
Konstruksi 375.777 - - - - 375.777 Construction
Perdagangan besar
dan eceran, reparasi Wholesale and
dan perawatan mobil retail, agricultural
dan sepeda motor 530.283 - - - - 530.283 facilities
Transportasi dan Transportation
pergudangan 65.000 - - - - 65.000 and warehouse
Penyedia akomodasi
dan penyediaan Provision of
makanan dan accommodation and
minuman 115.020 - - - - 115.020 food and beverage
Aktivitas keuangan dan Financial activities
asuransi 671.700 - - - - 671.700 and insurance
Real estate 4.600.000 35.748 - - - 4.635.748 Real estate
Aktivitas profesi, ilmiah Profession,
dan teknis 338.452 - - - - 338.452 scientific technical
Aktivitas penyewaan Real activities
dan sewa guna usaha 23.437 - - - - 23.437 and leases
Rumah tangga 1.025.645 6.487 - - 1.032.132 Household
Jumlah 7.785.519 42.235 - - 4.900 7.832.654 Total
Cadangan kerugian Allowance for
penurunan nilai (32.592) (399) - - (4.900) (37.891) Impairment loss
Jumlah neto 7.752.927 41.836 - - - 7.794.763 Total net
c. Berdasarkan Klasifikasi Kolektabilitas c. By Collectability Classification
2025 2024
Lancar 10.946.645 7.785.519 Current
Dalam perhatian khusus 86.720 42.235 Special mention
Macet 40.640 4.900 Loss
Jumlah 11.074.005 7.832.654 Total
Cadangan kerugian Allowance for
penurunan nilai (38.214) (37.891) impairment loss
Jumlah neto 11.035.791 7.794.763 Total net
50
Page 422
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
d. Kredit Bermasalah Menurut Sektor Ekonomi d. Non-performing Loans Based on Economic Sector
2025 2024
Penyisihan Penyisihan
Pokok/ penghapusan/ Pokok/ penghapusan/
Principal Allowance Principal Allowance
Aktivitas profesi, Profession,
ilmiah dan scientific
teknis 35.915 28.494 - - technical
Pertanian, Agriculture,
perburuan, hunting, and
dan sarana agricultures
pertanian 4.725 4.725 4.900 4.900 facilities
Jumlah 40.640 33.219 4.900 4.900 Total
e. Berdasarkan Periode Sisa Umur dan Jatuh Tempo e. Based on Remaining Period and Term of Agreement
Period to Maturity
Berdasarkan Sisa Umur Jatuh Tempo By Remaining Maturity
2025 2024
Rupiah Rupiah
Kurang dari 1 tahun 94.856 4.418.232 Less than 1 year
1 - 2 tahun 2.109.675 2.233.569 1 - 2 years
2 - 5 tahun 11.966 135.905 2 - 5 years
Lebih dari 5 tahun 8.857.508 1.044.948 More than 5 years
Jumlah 11.074.005 7.832.654 Total
Cadangan kerugian Allowance for
penurunan nilai (38.214) (37.891) impairment loss
Neto 11.035.791 7.794.763 Net
f. Tingkat Bunga Efektif Rata-rata f. Average Effective Interest Rate
2025 2024
Rupiah 10,20% 10,39% Rupiah
g. Mutasi Cadangan Kerugian Penurunan Nilai Kredit g. Changes in Allowances for Impairment Loss on
Loans
2025 2024
Saldo awal (37.891) (31.903) Beginning balance
Penurunan nilai Impairment in
tahun berjalan (323) (5.988) Current year
Saldo akhir (38.214) (37.891) Ending balance
51
Page 423
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
g. Mutasi Cadangan Kerugian Penurunan Nilai Kredit g. Changes in Allowances for Impairment Loss on
(Lanjutan) Loans (Continued)
Berikut ini adalah saldo kredit bruto dan cadangan The following are gross credit balances and
kerugian penurunan nilai yang dievaluasi secara allowance for impairment losses which are
individual dan kolektif pada periode yang berakhir evaluated individually and collectively for the
pada tanggal 31 Desember 2025 dan 2024: periods ended December 31, 2025 and 2024:
2025 2024
Berdasarkan Stage Based on Stage
Kredit yang dievaluasi Loan are evaluated
berdasarkan Stage 1 11.030.865 7.823.950 based on Stage 1
Penurunan nilai Impairment based
berdasarkan Stage 1 (4.640) (32.767) on Stage 1
Subjumlah 11.026.225 7.791.183 Sub-total
Kredit yang dievaluasi Loan are evaluated
berdasarkan Stage 2 2.500 3.804 based on Stage 2
Penurunan nilai Impairment based
berdasarkan Stage 2 (355) (224) on Stage 2
Subjumlah 2.145 3.580 Sub-total
Kredit yang dievaluasi Loan are evaluated
berdasarkan Stage 3 40.640 4.900 based on Stage 3
Penurunan nilai Impairment based
berdasarkan Stage 3 (33.219) (4.900) on Stage 3
Subjumlah 7.421 - Sub-total
Jumlah bersih 11.035.791 7.794.763 Total net
2025 2024
Penurunan nilai sesuai Compliance of impairment
dengan pemenuhan in accordance with Bank
ketentuan Bank Indonesia 149.665 80.833 Indonesia regulation
Tingkat pemenuhan 26,53% 45,88% The level of compliance
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai yang dibentuk sudah sesuai dengan impairment loss are in conformity with PSAK
PSAK 109 dan cukup untuk menutup kemungkinan No. 109 and adequate to cover impairment loss on
kerugian akibat tidak tertagihnya kredit. uncollectible loan.
h. Kredit dijamin dengan giro dan deposito berjangka, h. Loans are secured by current accounts and time
agunan yang diikat dengan hak tanggungan atau deposits, registered mortgages over collateral or
surat kuasa untuk menjual dan jaminan lain yang power of attorney to sell and by other guarantees
umumnya diterima oleh Bank. generally acceptable to the Bank.
52
Page 424
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
i. Pada tanggal 31 Desember 2025 dan 2024 i. As of December 31, 2025 and 2024, there were
terdapat saldo kredit yang direstrukturisasi sebesar restructured credit balances of Rp45,380 and
Rp45.380 dan Rp161.924. Restrukturisasi kredit Rp161,924. Credit restructuring was carried out by
dilakukan dengan memperpanjang jangka waktu extending the term and adding credit facilities. In
dan penambahan fasilitas kredit. Secara umum general, restructured customers have a
nasabah yang direstruktur memiliki kolektibilitas collectability of 1-5 on December 31, 2025 and
1-5 pada tanggal 31 Desember 2025 dan 2024. 2024.
j. Pada tanggal 31 Desember 2025 dan 2024 tidak j. As of December 31, 2025 and 2024, there was no
terdapat penyediaan dana kepada pihak berelasi provision of funds to related parties and third
dan pihak ketiga yang melampaui ataupun parties that exceeded or violated the Legal Lending
melanggar Batas Maksimum Pemberian Kredit Limit (BMPK).
(BMPK).
k. Rasio Non-Performing Loan (NPL) Bank sesuai k. The Non-Performing Loan (NPL) ratio of the
dengan Surat Edaran Otoritas Jasa Keuangan Bank is in accordance with the Financial
(SEOJK) No. 9/SEOJK.03/2020 tanggal Services Authority Circular Letter (SEOJK)
30 Juni 2020 tentang Transparansi dan Publikasi No. 9/SEOJK.03/2020 dated June 30, 2020,
Laporan Bank Umum Konvensional. Untuk pada concerning Transparency and Publication of
tanggal 31 Desember 2025 dan 2024, rasio NPL Conventional Commercial Bank Reports. As of
secara bruto masing-masing sebesar 0,37% dan December 31, 2025 and 2024, the gross NPL ratio
0,06% sedangkan rasio NPL secara bersih masing- was 0.37% and 0.06%, respectively, while the net
masing sebesar 0,07% dan nihil. NPL ratio was 0.07% and nil, respectively.
l. Kredit kepada pihak berelasi pada tanggal l. Loans to related parties as of December 31, 2025
31 Desember 2025 dan 2024 setelah dikurangi and 2024 after deducting allowance for impairment
cadangan kerugian penurunan nilai masing-masing losses of Rp477 or 0.01% and Rp432 or 0.01%,
sebesar Rp477 atau 0,01% dan Rp432 atau 0,01% respectively, of the total loan amount.
dari seluruh jumlah kredit.
m. Kredit kepada karyawan Bank dibebani bunga m. The Bank charged interest for loans granted to
10% - 14,5% dengan jangka waktu pelunasan employees for 10% - 14.5% with repayment periods
berkisar antara 2 tahun sampai dengan 15 tahun ranging from 2 to 15 years and paid through
dan dibayar melalui pemotongan gaji bulanan. monthly salary deductions.
n. Jumlah kredit yang dijamin dengan agunan tunai n. The amount of credit secured by cash collateral
masing-masing sebesar Rp134.622 dan is Rp134,622 and Rp113,817 as of
Rp113.817 pada tanggal 31 Desember 2025 dan December 31, 2025 and 2024, respectively.
2024.
o. Kredit yang dihapus buku untuk tahun yang berakhir o. Book-deleted credits for the year ended
pada tanggal 31 Desember 2025 dan 2024 adalah December 31, 2025 and 2024 are Nil and Nil.
sebesar Nihil dan Nihil.
p. Kredit yang dihapus buku untuk tahun yang berakhir p. Book-deleted credits for the year ended
pada tanggal 31 Desember 2025 dan 2024 adalah December 31, 2025 and 2024 are Nil and Nil.
sebesar Nihil dan Nihil.
53
Page 425
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
10. PIUTANG BUNGA 10. INTEREST RECEIVABLES
2025 2024
Efek-efek 63.123 50.255 Marketable securities
Kredit 46.309 49.327 Loans
Deposito berjangka - 10 Term deposits
Interbank Call Money - 44 Interbank call money
Jumlah 109.432 99.636 Total
11. BIAYA DIBAYAR DI MUKA 11. PREPAID EXPENSES
2025 2024
Iuran jasa penjaminan 4.036.605 4.446.035 Guarantee fee
Lain-lain 15.506 74.988 Others
Jumlah 4.052.111 4.521.023 Total
12. ASET TETAP 12. FIXED ASSETS
Rincian dan mutasi aset tetap adalah sebagai berikut: The details and movements are as follows:
2025
31 Desember
Saldo awal/ 2025/
Beginning Penambahan/ Pengurangan/ December 31,
balance Additional Deduction 2025
Biaya perolehan Acquisition cost
Tanah 472.083 - - 472.083 Land
Bangunan dan Building and
prasarana 368.381 5.948 (3.471) 370.858 improvements
Inventaris dan Fixture and
perlengkapan kantor 145.476 11.159 (2.365) 154.270 office supplies
Peralatan kantor 30.318 2.248 - 32.566 Office Equipment
Kendaraan 1.692 243 (226) 1.709 Vehicles
Aset sewa gedung 39.063 4.196 (685) 42.574 Buliding lease
Aset sewa kendaraan 48.773 9.676 (6.603) 51.846 Vehicles lease
Subjumlah 1.105.786 33.470 (13.350) 1.125.906 Sub-total
Accumulated
Akumulasi penyusutan depreciation
Bangunan dan Building and
prasarana (187.823) (20.668) 3.471 (205.020) improvements
Inventaris dan Fixture and
perlengkapan kantor (104.917) (9.487) 2.365 (112.039) office supplies
Peralatan kantor (17.752) (742) (18.494) Office equipment
Kendaraan (998) (271) 226 (1.043) Vehicles
Aset sewa gedung (10.894) (8.996) 685 (19.205) Buliding lease
Aset sewa kendaraan (17.770) (16.013) 6.603 (27.180) Vehicles lease
Subjumlah (340.154) (56.177) 13.350 (382.981) Sub-total
Nilai buku 765.632 742.925 Book value
54
Page 426
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
12. ASET TETAP (Lanjutan) 12. FIXED ASSETS (Continued)
Rincian dan mutasi aset tetap adalah sebagai berikut: (Lanjutan) The details and movements are as follows: (Continued)
2024
30 September 1 Oktober 31 Desember
Saldo awal/ 2024/ 2024/ 2024/
Beginning Penambahan/ Pengurangan/ September 30, Revaluasi/ October 1, Penambahan/ Pengurangan/ December 31,
balance Additional Deduction 2024 Revaluation 2024 Additional Deduction 2024
Biaya perolehan Acquisition cost
Tanah 379.756 - - 379.756 92.327 472.083 - - 472.083 Land
Bangunan dan Building and
prasarana 356.976 594 - 357.570 2.642 360.212 8.169 - 368.381 improvements
Inventaris dan
perlengkapan Fixture and
kantor 137.747 3.163 611 140.299 3.597 143.896 1.580 - 145.476 office supplies
Peralatan kantor 26.115 228 - 26.343 4.050 30.393 - 75 30.318 Office equipment
Kendaraan 10.915 187 8.053 3.049 (1.400) 1.649 43 - 1.692 Vehicles
Aset sewa gedung 66.282 5.174 33.934 37.522 - 37.522 3.252 1.711 39.063 Buliding lease
Aset sewa kendaraan 62.531 35.142 23.288 74.385 - 74.385 - 25.612 48.773 Vehicles lease
Subjumlah 1.040.322 44.488 65.886 1.018.924 101.216 1.120.140 13.044 (27.398) 1.105.786 Sub-total
Akumulasi Accumulated
penyusutan depreciation
Bangunan dan Building and
prasarana (161.781) (12.800) - (174.581) - (174.581) (13.242) - (187.823) improvements
Inventaris dan Fixture and
perlengkapan kantor (98.729) (5.752) 611 (103.870) - (103.870) (1.047) - (104.917) office supplies
Peralatan kantor (17.546) (153) - (17.699) - (17.699) (123) 70 (17.752) Office equipment
Kendaraan (4.249) (4.790) 8.053 (986) - (986) (12) - (998) Vehicles
Aset sewa gedung (50.462) (3.077) 42.196 (11.343) - (11.343) (1.295) 1.744 (10.894) Building lease
Aset sewa kendaraan (53.398) (7.967) 24.871 (36.494) - (36.494) (1.623) 20.347 (17.770) Vehicles lease
Subjumlah (386.165) (34.539) 75.731 (344.973) - (344.973) (17.342) 22.161 (340.154) Sub-total
Nilai buku 654.157 673.951 775.167 765.632 Book value
55
Page 427
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
12. ASET TETAP (Lanjutan) 12. FIXED ASSETS (Continued)
Pada tanggal 1 Oktober 2024, aset tetap yang dicatat On October 1, 2024, fixed assets were recorded based
berdasarkan nilai revaluasi telah direviu oleh on revaluation cost, as reviewed by management and
manajemen dan didukung oleh laporan penilai supported independent professional appraiser KJPP Ihot
independen profesional KJPP Ihot Dollar & Raymond Dollar & Raymond dated 23 December 2024 which sign
dengan tanggal laporan 23 Desember 2024 yang by Ihot Parasian Gultom, SE., MAPPI (Cert) on cost
ditandatangani oleh Ihot Parasian Gultom, SE., MAPPI approach and market data approach for land, building
(Cert) berdasarkan metode pendekatan biaya dan and improvements, office furniture and fixture and office
pendekatan data pasar untuk tanah, bangunan dan equipment and income approach and market data
prasarana, inventaris kantor, dan peralatan kantor serta approach for vehicles.
pendekatan pendapatan dan pendekatan data pasar
untuk kendaraan.
Beban penyusutan aset tetap sebesar Rp56.177 dan Depreciation expense for fixed assets amounting to
Rp51.881 masing-masing untuk tahun yang berakhir Rp56,177 and Rp51,881 for the years ended
pada tanggal 31 Desember 2025 dan 2024 dicatat pada December 31, 2025 and 2024, respectively, is recorded
beban umum dan administrasi dalam laporan laba rugi as general and administrative expenses in the statement
dan penghasilan komprehensif lain. of profit or loss and other comprehensive income.
Bank memiliki beberapa bidang tanah yang terletak di The Bank owns several lots of land at Jakarta and Solo
Jakarta dan Solo dengan hak legal berupa “Hak Guna with Building Use Rights or “HGB” having useful lives
Bangunan” atau “HGB” yang mempunyai masa manfaat ranging from 18 (eighteen) until
antara 18 (delapan belas) sampai dengan 34 (tiga puluh 34 (thirty-four) years. The HGB have expiration date
empat) tahun. Masa berlaku HGB akan berakhir antara ranging from 2020 until 2044. The management
tahun 2020 sampai dengan tahun 2044. Manajemen believes that the rights of the land can be
berpendapat bahwa hak pemilikan tanah tersebut dapat renewed/extended at the expiration date.
diperbaharui/diperpanjang pada saat jatuh tempo.
Aset tetap, kecuali tanah telah diasuransikan terhadap Fixed assets, except for land have been insured against
risiko gempa bumi, kebakaran, dan property all risks earthquake, fire and property all risk insurance
insurance kepada beberapa perusahaan asuransi - with several insurance companies - third parties such as
pihak ketiga seperti PT Artagraha General Insurance, PT Artagraha General Insurance, PT Asuransi Multi Artha
PT Asuransi Multi Artha Guna Tbk, dan PT Victoria Guna Tbk, and PT Victoria Insurance with a total sum
Insurance dengan jumlah nilai pertanggungan insured amounting to Rp118,227 hand Rp128,513 at
sebesar Rp118.227 dan Rp128.513 pada tanggal December 31, 2025 and 2024.
31 Desember 2025 dan 2024.
Manajeman berpendapat bahwa nilai pertanggungan Management believes that the insurance coverage is
tersebut cukup untuk menutup kemungkinan kerugian adequate to cover possible losses on the assets insured.
atas aset dipertanggungkan.
Manajemen berpendapat bahwa, tidak terdapat Management believes that there are no events or
peristiwa atau perubahan keadaan yang mungkin changes in circumstances that may raise indications of
menimbulkan indikasi penurunan nilai aset tetap, impairment in the value of fixed assets. Thus, the Bank
sehingga Bank tidak membentuk cadangan kerugian did not provide any allowance for impairment loss on
penurunan nilai aset tetap pada tanggal fixed assets as of December 31, 2025 and 2024.
31 Desember 2025 dan 2024.
56
Page 428
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
13. ASET LAIN-LAIN 13. OTHER ASSETS
2025 2024
Uang muka 129.328 116.215 Advance
Aset yang diambil alih (AYDA) 93.457 97.612 Foresclosed collaterals
Persediaan hadiah dan
barang cetakan 1.419 1.957 Gift and printed matters
Pajak dibayar di muka 5 71.859 Prepaid taxes
Lain-lain 314.667 130.068 Others
Jumlah 538.876 417.711 Total
Nilai Aset Yang Diambil Alih (AYDA) yang disajikan Repossessed Assets (AYDA) presented were net amount
adalah nilai bersih setelah memperhitungkan after considering allowance for impairment losses which
Cadangan Kerugian Penurunan Nilai (CKPN) yaitu amounting to nil as of December 31, 2025 and 2024. The
senilai nihil untuk posisi 31 Desember 2025 dan 2024. Management believe that allowance for impairment
Manajemen berpendapat bahwa CKPN yang dibentuk losses is sufficient.
telah memadai.
14. LIABILITAS SEGERA 14. OBLIGATIONS DUE IMMEDIATELY
2025 2024
Rupiah Rupiah
Liabilitas segera Other liabilities due
dibayar lainnya 558.663 188.215 immediately
Liabilitas sewa kendaraan 27.847 33.747 Vehicle rental liabilities
Liabilitas sewa gedung 16.204 19.554 Building lease liabilities
Liabilitas administrasi Loans administration
kredit 6.963 6.077 payable
Liabilitas pemberian hadiah 3.604 2.736 Gift payable
Dolar Amerika Serikat United States Dollar
Liabilitas segera Other liabilities due
dibayar lainnya 60.050 109.448 immediately
Jumlah 673.331 359.777 Total
15. SIMPANAN DARI NASABAH 15. DEPOSITS FROM CUSTOMERS
Akun ini terdiri dari: This account consists of:
2025
Pihak
berelasi/
Related Pihak ketiga/ Jumlah/
parties Third parties Total
Giro 96.895 2.496.821 2.593.716 Current accounts
Tabungan 7.241 4.357.754 4.364.995 Savings
Deposito berjangka 16.566 11.278.741 11.295.307 Time deposits
Jumlah 120.702 18.133.316 18.254.018 Total
57
Page 429
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
15. SIMPANAN DARI NASABAH (Lanjutan) 15. DEPOSITS FROM CUSTOMERS (Continued)
Akun ini terdiri dari: (Lanjutan) This account consists of: (Continued)
2024
Pihak
berelasi/
Related Pihak ketiga/ Jumlah/
parties Third parties Total
Giro 28.889 1.983.814 2.012.703 Current accounts
Tabungan 5.411 3.503.508 3.508.919 Savings
Deposito berjangka 8.558 7.042.081 7.050.639 Time deposits
Jumlah 42.858 12.529.403 12.572.261 Total
Berdasarkan Undang-Undang No. 24 tanggal Based on Law No. 24 dated September 22, 2004
22 September 2004 yang berlaku efektif sejak which was effective since September 22, 2005, as
tanggal 22 September 2005, sebagaimana diubah amended by Government Regulation in Lieu of the Law of
dengan Peraturan Pemerintah Pengganti Undang- the Republic of Indonesia No. 3 dated October 13, 2008,
Undang Republik Indonesia No. 3 tanggal the Deposit Insurance Agency (LPS) was formed
13 Oktober 2008, Lembaga Penjamin Simpanan (LPS) to guarantee certain liabilities of commercial banks based
dibentuk untuk menjamin liabilitas tertentu bank-bank on the applicable guarantee program, the amount of
umum berdasarkan program penjaminan yang berlaku, the guarantee value of which may change, if it meets
yang besaran nilai jaminannya dapat berubah, jika certain applicable criteria.
memenuhi kriteria tertentu yang berlaku.
Berdasarkan Salinan Peraturan Lembaga Penjamin Based on the LPS No. 1/PLPS/2023 dated May 22, 2023
Simpanan No. 1/PLPS/2023 tanggal 22 Mei 2023 regarding the Deposit Guarantee Program, the maximum
tentang Program Penjaminan Simpanan, besarnya guaranteed amount for each customer in one bank is
saldo yang dijamin untuk setiap nasabah pada satu Rp2,000,000,000 (full amount).
bank adalah paling tinggi sebesar Rp2.000.000.000
(nilai penuh).
Suku bunga simpanan LPS pada tanggal The interest rate of LPS as of 31 December 2025 and
31 Desember 2025 dan 2024 masing-masing adalah 2024 for deposits denominated in Rupiah is 3.50% and
sebesar 3,50% dan 4,25% untuk simpanan dalam mata 4.25% respectively, for deposits denominated in foreign
uang Rupiah dan masing-masing sebesar 2,00% dan currencies is 2.00% and 2.25%, respectively.
2,25% untuk simpanan dalam mata uang asing.
Pada tanggal 31 Desember 2025 dan 2024, Bank As of December 31, 2025 and 2024, Bank is a participant
adalah peserta program penjaminan tersebut. in the guarantee program.
i. Giro i. Current account
Berdasarkan mata uang dan nasabah: Based on currency and customer:
2025 2024
Rupiah Rupiah
Pihak ketiga 2.384.097 1.850.626 Third parties
Pihak berelasi 74.484 26.530 Related parties
Dolar Amerika Serikat United States Dollar
Pihak ketiga 105.481 131.993 Third parties
Pihak berelasi 22.411 2.359 Related parties
Dolar Australia Australian Dollar
Pihak ketiga 69 914 Third parties
Dolar Singapura Singapore Dollar
Pihak ketiga 7.081 136 Third parties
Yen Jepang Japan Yen
Pihak ketiga 93 145 Third parties
Jumlah 2.593.716 2.012.703 Total
58
Page 430
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
15. SIMPANAN DARI NASABAH (Lanjutan) 15. DEPOSITS FROM CUSTOMER (Continued)
i. Giro (Lanjutan) i. Current account (Continued)
2025 2024
Tingkat bunga efektif Average effective
rata-rata: interest rate:
Rupiah 0,19% 0,57% Rupiah
Dolar Amerika Serikat 0,12% 0,13% United States Dollar
Pada tanggal 31 Desember 2025 dan 2024, As of December 31, 2025 and 2024, current account
simpanan giro sebesar Rp65.000 merupakan deposits of Rp65,000 are deposits that are blocked
simpanan yang diblokir dan dijadikan sebagai and used as collateral for loans.
jaminan atas kredit yang diberikan.
ii. Tabungan ii. Savings
Berdasarkan mata uang dan nasabah: Based on currency and customer:
2025 2024
Rupiah Rupiah
Pihak ketiga 4.357.754 3.503.508 Third parties
Pihak berelasi 7.241 5.411 Related parties
Jumlah 4.364.995 3.508.919 Total
Tingkat bunga efektif Average effective
rata-rata: 0,64% 0,91% interest rate:
Pada tanggal 31 Desember 2025 dan 2024 tidak On December 31, 2025 and 2024, there were no
terdapat simpanan nasabah tabungan yang savings from customer deposits that were blocked
diblokir dan dijadikan sebagai jaminan atas kredit and used as collateral for loans.
yang diberikan.
iii. Deposito Berjangka iii. Time Deposits
Berdasarkan mata uang dan nasabah: Based on currency and customer:
2025 2024
Rupiah Rupiah
Pihak ketiga 10.603.444 6.482.130 Third parties
Pihak berelasi 15.966 8.275 Related parties
Dolar Amerika Serikat United States Dollar
Pihak ketiga 675.297 559.951 Third parties
Pihak berelasi 600 283 Related parties
Jumlah 11.295.307 7.050.639 Total
Tingkat bunga efektif Average effective
rata-rata: interest rate:
Rupiah 6,52% 6,28% Rupiah
Dolar Amerika Serikat 3,52% 2,91% United States Dollar
59
Page 431
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
15. SIMPANAN DARI NASABAH (Lanjutan) 15. DEPOSITS FROM CUSTOMER (Continued)
iii. Deposito Berjangka (Lanjutan) iii. Time Deposits (Continued)
Pada tanggal 31 Desember 2025 dan 2024 As of December 31, 2025 and 2024, time deposits
deposito berjangka masing-masing sebesar Rp77,386 and Rp80,625, respectively, represent
Rp77.386 dan Rp80.625 merupakan simpanan customer deposits - time deposits that are blocked
nasabah - deposito berjangka yang diblokir and used as collateral for loans (Note 9).
dan dijadikan sebagai jaminan atas kredit yang
diberikan (Catatan 9).
16. SIMPANAN DARI BANK LAIN 16. DEPOSITS FROM OTHER BANKS
Berdasarkan mata uang dan jenis simpanan: Based on currency and type of deposits:
2025 2024
Rupiah Rupiah
Pihak ketiga Third parties
Interbank call money 750.000 720.000 Interbank call money
Giro 178 2.107 Current account
Tabungan 136 168 Saving account
Deposito berjangka bank 2.500 3.000 Time deposits bank
Jumlah 752.814 725.275 Total
Berdasarkan jangka waktu: Based on time periode:
2025 2024
Kurang dari atau 1 bulan 752.814 725.275 Less than or equal to 1 month
Pada tanggal 31 Desember 2025 dan 2024 tidak On December 31, 2025 and 2024, there were no deposits
terdapat saldo simpanan dari bank lain yang diblokir from other banks that were blocked or used as credit
atau dijadikan jaminan kredit. collateral.
17. EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI 17. SECURITIES SOLD UNDER AGREEMENTS TO
KEMBALI REPURCHASE
2025
Tingkat bunga
diskonto/
Nomor seri/ Jatuh tempo/ Discounted interest Nilai nominal/ Nilai wajar/
Serial number Maturity date rate Nominal value Fair value
IDSR150526364S 6 Januari 2026 5,40% 100.000 96.922
IDSR150526364S 6 Januari 2026 5,40% 100.000 96.922
IDSR021026364S 14 Januari 2026 5.35% 100.000 95.557
IDSR021026364S 16 Februari 2026 5.30% 100.000 96.034
IDSR030726364S 14 Januari 2026 5.35% 200.000 193.342
IDSR310726364S 19 Januari 2026 5.20% 200.000 193.619
IDSR041226364S 5 Januari 2026 4,85% 200.000 191.009
IDSR041226364S 5 Januari 2026 4,85% 200.000 191.009
IDSR061126364S 5 Januari 2026 4,85% 200.000 192.183
1.346.597
60
Page 432
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
17. EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI 17. SECURITIES SOLD UNDER AGREEMENTS TO
KEMBALI (Lanjutan) REPURCHASE (Continued)
2024
Tingkat bunga
diskonto/
Nomor seri/ Jatuh tempo/ Discounted interest Nilai nominal/ Nilai wajar/
Serial number Maturity date rate Nominal value Fair value
FR0086 6 Januari 2025 5,50% 150.000 144.319
FR0087 6 Januari 2025 6,50% 250.000 234.967
FR0087 2 Januari 2025 6,50% 80.000 74.040
FR0059 13 Januari 2025 7,00% 50.000 49.669
FR0059 13 Januari 2025 7,00% 40.000 39.735
FR0059 13 Januari 2025 7,00% 110.000 109.271
IDSR070225182S 6 Januari 2025 0,00% 250.000 247.095
IDSR070225182S 6 Januari 2025 0,00% 50.000 49.419
IDSR070225182S 13 Januari 2025 0,00% 150.000 148.458
IDSR070225182S 6 Januari 2025 0,00% 100.000 99.242
IDSR070225182S 6 Januari 2025 0,00% 200.000 198.483
IDSR070225182S 6 Januari 2025 0,00% 200.000 195.782
IDSR070225182S 24 Januari 2025 0,00% 50.000 49.079
IDSR070225182S 6 Januari 2025 0,00% 200.000 196.533
IDSR070225182S 7 Januari 2025 0,00% 200.000 195.818
2.031.910
18. PERPAJAKAN 18. TAXATION
a. Utang Pajak a. Taxes Payable
2025 2024
Pajak penghasilan Income taxes
Pasal 4(2) 29.705 28.611 Articel 4(2)
Pasal 21 729 125 Article 21
Pasal 23 130 106 Article 23
Pasal 26 234 - Article 26
Pasal 29 10.260 2.703 Article 29
Lain-lain 277 148 Others
Jumlah 41.335 31.693 Total
b. Beban Pajak Penghasilan b. Income Tax Expenses
2025 2024
Pajak kini (32.769) (32.856) Current tax
Pajak tangguhan (4.502) (1.255) Deferred tax
Beban pajak Income tax
penghasilan neto (37.271) (34.111) expenses - net
61
Page 433
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
18. PERPAJAKAN (Lanjutan) 18. TAXATION (Continued)
c. Pajak Penghasilan c. Income Tax
Rekonsiliasi antara laba sebelum pajak The reconciliation between profit before income tax,
penghasilan, seperti yang disajikan dalam laporan as presented in the statement of profit or loss and
laba rugi dan penghasilan komprehensif lain, dan other comprehensive income, and the estimated
taksiran penghasilan kena pajak pada periode taxable income for the periods ended
yang berakhir pada 31 Desember 2025 dan 2024 December 31, 2025, and 2024 are as follows:
adalah sebagai berikut:
2025 2024
Laba sebelum Profit before income tax
pajak penghasilan as per statements
menurut laporan laba of profit or loss and
rugi dan penghasilan other comprehensive
komprehensif lain 163.256 143.489 income
Beda temporer: Temporary differences:
Post-employment
Imbalan pascakerja 5.538 1.900 benefits
Keuntungan yang belum
terealisasi atas perubahan Unrealized gains
nilai wajar efek-efek untuk from changes in fair
tujuan dieperdagangkan - value of trading
neto (25.072) (7.604) securities - net
Subjumlah (19.534) (5.704) Sub-total
Beda tetap: Permanent differences:
Pengurangan yang tidak Non-deductible
diperkenankan 216 151 expenses
Denda pajak 5.010 - Tax penalty
Subjumlah 5.226 151 Sub-total
Taksiran penghasilan kena Estimated taxable
pajak 148.948 149.344 income
Taksiran pajak penghasilan Estimated current
kini 32.769 32.856 income tax
Kredit pajak penghasilan Income tax credit
Pasal 25 (22.509) (30.153) Article 25
Estimated income
Taksiran utang 10.260 2.703 tax payable
Perhitungan pajak penghasilan badan untuk tahun The calculation of corporate income tax for the year
yang berakhir pada tanggal 31 Desember 2025 ended December 31, 2025 and 2024 conforms with
dan 2024 telah sesuai dengan Surat the Annual Corporate Income Tax Return reported to
Pemberitahuan Tahunan yang dilaporkan ke the tax office. The taxable income resulting from the
kantor pajak. Laba kena pajak hasil rekonsiliasi reconciliation is the basis for filling the Annual
menjadi dasar dalam pengisian Surat Corporate Income Tax Return.
Pemberitahuan Tahunan (SPT) PPh Badan.
62
Page 434
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
18. PERPAJAKAN (Lanjutan) 18. TAXATION (Continued)
c. Pajak Penghasilan (Lanjutan) c. Income Tax (Continued)
Rekonsiliasi antara pajak penghasilan yang A reconciliation between income tax calculated using
dihitung dengan menggunakan tarif pajak the applicable tax rates for profit before income tax
yang berlaku terhadap laba sebelum pajak and income tax as stated in the statements of profit
penghasilan dan pajak penghasilan seperti yang or loss and other comprehensive income for the
tercantum dalam laporan laba rugi dan period December 31, 2025 and 2024 are as follows:
penghasilan komprehensif lain untuk periode
31 Desember 2025 dan 2024 adalah sebagai
berikut:
2025 2024
Laba sebelum Profit before income tax
pajak penghasilan as per statements
menurut laporan of profit or loss and
laba rugi dan penghasilan other comprehensive
komprehensif lain 163.256 143.489 income
Pajak penghasilan
berdasarkan tarif pajak Income tax based on
berlaku 35.916 31.451 Prevailing tax rates
Perbedaan temporer (4.297) 1.254 Temporary difference
Pengurangan yang tidak Non-deductible
diperkenankan 1.150 151 expenses
Pajak penghasilan Income tax as per
menurut laporan laba rugi statement of profit or
dan penghasilan loss and other
komprehensif lain 32.769 32.856 comprehensive income
d. Aset Pajak Tangguhan d. Deferred Tax Assets
Dikreditkan ke
Dikreditkan ke Penghasilan
Laporan Laba Komprehensif
Rugi/ Lain/ 31 Desember
Saldo awal/ Credited to Credited to Other 2025/
Beginning Statement of Comprehensive Penyesuaian/ December 31,
balance Income Income Adjustment 2025
Liabilitas imbalan Post-employment
pascakerja 11.627 1.218 321 874 14.040 benefits liabilities
Kerugian yang
belum
direalisasikan
atas perubahan
nilai wajar efek- Unrealized loss
efek dengan from change in
tujuan fair value of
diperdagangkan (595) (5.516) - (1.078) (7.189) trading securities
Aset pajak
tangguhan- Deferred tax
bersih 11.032 (4.298) 321 (204) 6.851 asset- net
63
Page 435
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
18. PERPAJAKAN (Lanjutan) 18. TAXATION (Continued)
d. Aset Pajak Tangguhan (Lanjutan) d. Deferred Tax Assets (Continued)
Dikereditkan ke
Panghasilan
Dikreditkan Komprehensif
ke Laporan Lain/
Laba Rugi/ Credited to 31 Desember
Saldo awal/ Credited to Other 2024/
Beginning Statement of Comprehensive December 31,
balance Income Income 2024
Liabilitas imbalan Post-employment
pasca kerja 9.181 418 2.028 11.627 benefits liabilities
Kerugian yang belum
direalisasikan atas Unrealized loss
perubahan nilai wajar from change in
efek-efek dengan fair value of
tujuan diperdagangkan 1.078 (1.673) - (595) trading securities
Aset pajak Deferred tax
tangguhan-bersih 10.259 (1.255) 2.028 11.032 asset- net
Manajemen berkeyakinan bahwa aset pajak Management believes that the Bank’s deferred tax
tangguhan Bank dapat dikompensasi dengan laba assets can be utilized against the taxable income for
kena pajak periode mendatang. the future periods.
19. LIABILITAS LAIN-LAIN 19. OTHER LIABILITIES
2025 2024
Rupiah Rupiah
Utang bunga 124.649 95.531 Interest payable
Setoran jaminan 1.427 2.298 Guarantee deposits
Beban akrual 353 356 Accrued expenses
Lain-lain 23.258 90.779 Others
Dolar Amerika Serikat United States Dollar
Utang bunga 1.867 1.473 Interest payable
Beban akrual 22 14 Accrued expenses
Lain-lain 3 - Others
Jumlah 151.579 190.451 Total
20. LIABILITAS IMBALAN PASCAKERJA 20. POST-EMPLOYMENT BENEFITS LIABILITIES
Bank membentuk pencadangan imbalan pascakerja The Bank established a post-employment reward backup
sesuai dengan ketentuan Undang-Undang in accordance with the provisions Law of the Republic of
No. 11/2020 tentang Cipta Kerja. Indonesia No. 11 of 2020 on Job Creation.
Liabilitas imbalan pascakerja di laporan posisi Post-employment reward liabilities in the financial position
keuangan pada tanggal-tanggal 31 Desember 2025 statements on December 31, 2025 and 2024 amounting
dan 2024 masing-masing sebesar Rp63.818 dan to Rp63,818 dan Rp56,821, respectively.
Rp56.821.
64
Page 436
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
20. LIABILITAS IMBALAN PASCAKERJA (Lanjutan) 20. POST-EMPLOYMENT BENEFITS LIABILITIES (Continued)
Perhitungan imbalan pascakerja untuk tahun yang The calculation of post-employment rewards for the year
berakhir pada tanggal 31 Desember 2025 dan 2024 ended December 31, 2025 and 2024 was calculated by
dihitung oleh PT V. Agus Basuki, FSAI, aktuaris PT V. Agus Basuki, FSAI, an independent actuary.
independen. Asumsi utama yang digunakan dalam The main assumptions used in determining:
menentukan:
2025 2024
Tabel mortalitas TMI-IV 2019 TMI-IV 2019 Mortality table
Tingkat diskonto 6,35% 6,33% - 6,83% Discount rate
Tingkat kenaikan gaji tahunan 5,00% 5,00% Annual salary raise
Usia pensiun 56 tahun/years 55 tahun/years Retirement age
Tidak ada pendanaan yang dilakukan sehubungan No funding has been made in connection with the work
dengan program imbalan kerja tersebut. rewards program.
Tidak ada Komisaris, Direksi, dan Pejabat Eksekutif No Commissioners, Directors, and Executive Officers are
yang masuk dalam perhitungan imbalan pascakerja. included in the calculation of post-employment rewards.
Beban imbalan kerja yang diakui dalam laporan laba Amounts recognized in the statement of profit or loss and
rugi dan penghasilan komprehensif lain adalah sebagai other comprehensive income are as follows:
berikut:
2025 2024
Beban jasa kini 6.891 5.715 Current service cost
Beban bunga 3.449 2.573 Interest cost
Kelebihan pembayaran 1.844 - Over payment
Jumlah beban 12.184 8.288 Total cost
Rekonsiliasi nilai kini kewajiban imbalan pasti: Reconciliation on present value of defined benefits
liabilities:
2025 2024
Saldo awal 56.821 45.702 Beginning balance
Beban jasa kini 6.891 5.715 Current service cost
Beban bunga 3.449 2.573 Interest cost
Pembayaran (6.646) (6.388) Payment
Kelebihan pembayaran 1.844 - Overpayment
Kerugian (keuntungan)
aktuarial yang diakui dalam Actuarial - loss (gain) on
penghasilan komprehensif recognized in other.…
lain 1.459 9.219 comprehensive income.…
Saldo akhir 63.818 56.821 Ending balance
65
Page 437
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
21. MODAL SAHAM 21. SHARE CAPITAL
Susunan pemegang saham Bank dan persentase The composition of the Bank’s shareholders and
kepemilikannya masing-masing pada tanggal their respective percentage of ownership as
31 Desember 2025 adalah sebagai berikut: of December 31, 2025 are as follows:
Jumlah saham
ditempatkan dan
disetor (jumlah
penuh)/ Persentase
Number of shares kepemilikan/
issued and paid Percentage of Jumlah/
Pemegang saham (full amount) ownership Total Shareholders
PT Capital Global PT Capital Global
Investama 10.109.177.511 50,67% 1.010.918 Investama
Bank Julius Baer Bank Julius Baer
and Co., Ltd. 4.795.302.489 24,03% 479.530 and Co., Ltd.
Publik (masing-masing Public (each below
di bawah 5%) 5.048.544.885 25,30% 504.854 than 5%)
Jumlah 19.953.024.885 100,00% 1.995.302 Total
Susunan pemegang saham Bank dan persentase The composition of the Bank’s shareholders and
kepemilikannya masing-masing pada tanggal their respective percentage of ownership as of
31 Desember 2024 adalah sebagai berikut: December 31, 2024 are as follows:
Jumlah saham
ditempatkan dan
disetor (jumlah
penuh)/ Persentase
Number of shares kepemilikan/
issued and paid Percentage of Jumlah/
Pemegang Saham (full amount) ownership Total Shareholders
PT Capital Global PT Capital Global
Investama 14.904.480.000 74,70% 1.490.448 Investama
Publik (masing-masing Public (each below
di bawah 5%) 5.048.544.885 25,30% 504.854 than 5%)
Jumlah 19.953.024.885 100,00% 1.995.302 Total
Peningkatan modal ditempatkan dan disetor Bank The increase in the Bank’s issued and paid-up capital was
terakhir kali dilakukan pada 22 Desember 2022, most recently on December 22, 2022, in Deed No. 55 by
berdasarkan Akta No. 55 yang dibuat di hadapan Mahendra Adinegara, S.H., M.Kn., Notary in Jakarta.
Mahendra Adinegara, S.H., M.Kn., Notaris di Jakarta.
66
Page 438
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
22. TAMBAHAN MODAL DISETOR - BERSIH 22. ADDITIONAL PAID IN CAPITAL - NET
Akun ini merupakan agio saham dan biaya emisi saham This account represents premium shares and share
berasal dari Penawaran Umum Saham Perdana dan issuance costs derived from the Initial Public Offering and
Penawaran Umum Terbatas dengan rincian sebagai Limited Public Offering with the following details:
berikut:
2025 2024
Agio saham: Additional paid-in capital
Tahun 2022 12.875 12.875 Year 2022
Tahun 2021 16 16 Year 2021
Tahun 2017 1 1 Year 2017
Tahun 2016 1.265 1.265 Year 2016
Tahun 2013 3.693 3.693 Year 2013
Tahun 2009 3.021 3.021 Year 2009
Tahun 2007 25.000 25.000 Year 2007
Biaya emisi saham Share issuance costs
Tahun 2016 (1.852) (1.852) Year 2016
Tahun 2013 (2.157) (2.157) Year 2013
Tahun 2009 (16.160) (16.160) Year 2009
Tahun 2007 (4.339) (4.339) Year 2007
Neto 21.363 21.363 Net
23. UANG MUKA SETORAN MODAL 23. ADVANCE FOR SHARE SUBSCRIPTION
Pada tanggal 31 Desember 2025 dan 2024, akun ini On December 31, 2025 and 2024, this account
merupakan dana yang telah disetor secara riil dengan represents capital deposits funds that have been paid in
tujuan untuk penambahan modal namun belum real terms for the purpose of increasing capital but have
didukung dengan persyaratan untuk dapat digolongkan not been supported by the requirements to be classified
sebagai modal disetor. Dana setoran modal diperoleh as paid-in capital. The capital deposits funds was obtained
dari PT Capital Global Investama, pemegang saham. from PT Capital Global Investama, a shareholder.
24. SURPLUS REVALUASIAN ASET TETAP - NETO 24. REVALUATION SURPLUS ARISING FROM FIXED
ASSETS - NET
2025 2024
Saldo awal tahun 206.501 127.258 Balance beginning of year
Surplus revaluasi pada Revaluation surplus on
31 Desember 2025 December 31, 2025
dan 2024 - 101.224 and 2024
Pajak penghasilan final - (10.122) Final income tax
Selisih atas penyusutan Difference in the depreciation
nilai revaluasi dan of revalued amount and the
nilai perolehan (4.701) (11.859) acquisition cost
Saldo akhir tahun 201.800 206.501 Balance end of year
Bagian dari surplus revaluasi yang merupakan selisih The part of revaluation surplus which is the difference
atas penyusutan berdasarkan nilai revaluasian dan nilai between depreciation based on revalued amount and cost
perolehan dipindahkan ke saldo laba. value are transferred to retained earnings.
67
Page 439
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
25. CADANGAN UMUM 25. STATUTORY RESERVE
Berdasarkan Undang-Undang No. 40 tahun 2007 Based on the Law No. 40 of 2007, concerning the Limited
tentang Perseroan Terbatas, Perusahaan di Indonesia Liability Company, each of Indonesian Companies is
diharuskan untuk membentuk cadangan umum required to provide statutory reserve of at least 20% of its
sekurang-kurangnya sebesar 20% dari jumlah modal issued and fully paid-up capital. There is no set period of
yang ditempatkan dan disetor penuh. Undang-Undang time over which this amount should be provided.
tersebut tidak mengatur jangka waktu untuk
pembentukan cadangan umum tersebut.
31 Desember 2025 December 31, 2025
Sesuai dengan Rapat Umum Pemegang Saham In accordance with the Annual Stockholders’ Meeting as
Tahunan sebagaimana dituangkan dalam Akta No. 55 stated in the Deed No. 55 dated June 18, 2025 of
tanggal 18 Juni 2025 dari Mahendra Adinegara, S.H., Mahendra Adinegara, S.H., M.Kn., Notary in North Jakarta,
M.Kn., Notaris di Jakarta Selatan, telah ditetapkan: the stockholders have approved the following:
a. Sejumlah Rp2.000 digunakan sebagai cadangan a. The amount of Rp2,000 will be appropriated as
umum sesuai dengan ketentuan Anggaran Dasar statutory reserve according to the Bank’s Articles of
Bank. Association.
b. Dan sisanya dicatat sebagai Saldo Laba Ditahan b. The remain amount is recorded as Retained Earnings
yang akan digunakan untuk kebutuhan Balance which will be used for the needs of the
Perusahaan. Company.
31 Desember 2024 December 31, 2024
Sesuai dengan Rapat Umum Pemegang Saham In accordance with the Annual Stockholders’ Meeting as
Tahunan sebagaimana dituangkan dalam Akta No. 84 stated in the Deed No. 84 dated June 27, 2024 of
tanggal 27 Juni 2024 dari Mahendra Adinegara, S.H., Mahendra Adinegara, S.H., M.K., Notary in North Jakarta,
M.Kn., Notaris di Jakarta Selatan, telah ditetapkan: the stockholders have approved the following:
a. Sejumlah Rp2.000 digunakan sebagai cadangan a. The amount of Rp2,000 will be appropriated as
umum sesuai dengan ketentuan Anggaran Dasar statutory reserve according to the Bank’s Articles of
Bank. Association.
b. Dan sisanya dicatat sebagai Saldo Laba Ditahan b. The remain amount is recorded as Retained Earnings
yang akan digunakan untuk kebutuhan Balance which will be used for the needs of the
Perusahaan. Company.
26. KOMITMEN DAN KONTINJENSI 26. COMMITMENTS AND CONTINGENTS
a. Berdasarkan Jenis Mata Uang a. By Type and Currency
Bank memiliki transaksi komitmen dan The Bank has commitments and contingent
kontinjensi, sebagai berikut: transactions, as follows:
2025 2024
KOMITMEN COMMITMENTS
Tagihan komitmen Commitment receivables
Posisi pembelian spot dan Spot and derivative
derivatif yang masih in current purchase
berjalan position
Rupiah - 80.950 Rupiah
Dolar Amerika Serikat 667.000 613.236 Unites States Dollar
Jumlah 667.000 694.186 Total
68
Page 440
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
a. Berdasarkan Jenis dan Mata Uang (Lanjutan) a. By Type and Currency (Continued)
2025 2024
Liabilitas komitmen Commitment liabilities
Rupiah Rupiah
Posisi pembelian spot dan Spot and derivative
derivatif yang masih in current purchase
berjalan 671.143 612.647 position
Fasilitas kredit kepada Unused loan
nasabah yang belum facilities Granted
digunakan 559.217 475.175 to costumers
Dolar Amerika Serikat Unites States Dollar
Posisi pembelian spot dan Spot and derivative
derivatif yang masih in current purchase
berjalan - 82.085 position
Jumlah 1.230.360 1.169.907 Total
Jumlah Liabilitas Total Commitment
Komitmen-bersih (563.360) (475.721) Liabilities- Net
KONTINJENSI CONTINGENTS
Liabilitas kontinjensi Contingent liabilities
Rupiah Rupiah
Bank garansi 590.654 482.393 Bank guarantees
Bunga kredit dalam Past due interest
penyelesaian - 8.291 income
Jumlah 590.654 490.684 Total
Tidak terdapat liabilitas komitmen dan There are no commitment and contingent liabilities
kontinjensi dari pihak berelasi pada tanggal from related parties as of December 31, 2025 and
31 Desember 2025 dan 2024. 2024.
Klasifikasi kolektabilitas semua komitmen dan Collectability classification of all commitments and
kontinjensi pada tanggal 31 Desember 2025 dan contingencies as of December 31, 2025 and 2024.
2024.
b. Estimasi Kerugian Komitmen dan Kontinjensi b. Estimated Losses on Commitments and Contingents
Manajemen berpendapat bahwa tidak ada Management believes that no estimated losses on
estimasi kerugian komitmen dan kontinjensi yang commitments and contingents provided because all
dibentuk karena semua kolektabilitas komitmen commitments and contingents are classified as
dan kontinjensi lancar. current.
69
Page 441
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
c. Litigasi c. Litigation
1. Sutris 1. Sutris
Perusahaan telah melaporkan Alm. Sutris The Company has reported the late Sutris
(eks Debitur Perseroan/“Debitur”) dan (formerly Debtor of the Company/“Debtor”) and
Didik (mantan karyawan Perusahaan) Didik (formerly employee of the Company) to the
ke Kepolisian Resort Solo berdasarkan Solo Resort Police through a Report Receipt
Surat Tanda Penerimaan Pelaporan Letter No. STPL/177/XI/2012/SPK.II dated
No. STPL/177/XI/2012/SPK.II tanggal November 7, 2012, regarding an obligation
7 November 2012, dengan kewajiban sebesar amounting to Rp2,709,710,563 (two billion
Rp2.709.710.563 (dua miliar tujuh ratus seven hundred nine million seven hundred ten
sembilan juta tujuh ratus sepuluh ribu lima thousand five hundred sixty three Rupiah)
ratus enam puluh tiga Rupiah).
Debitur telah meninggal dunia pada tanggal The Debtor passed away on March 27, 2015 and
27 Maret 2015 dan pemeriksaan terhadap the investigation of the case was terminated by
perkara yang bersangkutan dihentikan oleh Solo Resort Police and until now Solo Resort
Kepolisian Resort Solo dan sampai saat ini Police has not issued a Notice of Termination of
Kepolisian Resort Solo belum menerbitkan Case Investigation. The Debtor's obligation has
Surat Keterangan Penghentian Pemeriksaan been written off on October 31, 2018. To date,
Perkara. Kewajiban Debitur sudah dihapus Solo Resort Police has not submitted a Notice of
buku pada tanggal 31 Oktober 2018. Sampai Termination of Investigation (“SP 3”) to the
dengan saat ini Kepolisian Resort Solo belum Company.
menyampaikan Surat Pemberitahuan
Penghentian Penyidikan/Penyelidikan (“SP 3”)
kepada Perusahaan.
2. Hanna Tanadi, David Julianto, dan Tifana 2. Hanna Tanadi, David Julianto, dan Tifana
Hanna Tanadi selaku Penggugat I, David Hanna Tanadi as Plaintiff I, David Julianto as
Julianto selaku Penggugat II, Tifana selaku Plaintiff II, Tifana as Plaintiff III (“collectively
Penggugat III (“secara bersama-sama disebut referred to as the Plaintiffs”) filed a lawsuit for
Para Penggugat”) mengajukan gugatan unlawful act against Lim Victory Halim as
perbuatan melawan hukum kepada Lim Victory Defendant I, Vidi Andito as Defendant II, Adiaty
Halim selaku Tergugat I, Vidi Andito selaku Hadi as Defendant III, the Company as
Tergugat II, Adiaty Hadi selaku Tergugat III, Defendant IV, and the Head of the Land Office of
Perusahaan selaku Tergugat IV, dan Kepala the North Jakarta Administrative City as Co-
Kantor Pertanahan Kota Administrasi Jakarta Defendant, which lawsuit has been registered at
Utara selaku Turut Tergugat, yang gugatannya the Registrar of the North Jakarta District Court
telah didaftarkan di Kepaniteraan Pengadilan with No. 666/Pdt. G/2022/PN.Jkt.Utr dated
Negeri Jakarta Utara dengan October 11, 2022, and Yuliana Ang as the
No. 666/Pdt.G/2022/PN.Jkt.Utr tanggal Intervention Plaintiff (“hereinafter referred to as
11 Oktober 2022, dan Yuliana Ang selaku Intervention Plaintiff”) filed an Intervention
Penggugat Intervensi (“selanjutnya disebut Lawsuit on July 12, 2023.
Penggugat Intervensi”) mengajukan Surat
Gugatan Intervensi pada tanggal 12 Juli 2023.
Para Penggugat dan Penggugat Intervensi The Plaintiffs and the Intervention Plaintiff are
adalah Ahli Waris dari Alm. Juyatno yang the Heirs of the late Juyatno who was the
merupakan pemilik sebelumnya dari Sertifikat previous owner of Sertifikat Hak Milik No.
Hak Milik No. 1323/Pluit, Surat Ukur 1323/Pluit, Surat Ukur No. 1435/1995 dated
No. 1435/1995 tanggal 26 Mei 1995 yang May 26, 1995 located at Jalan Pluit Putri No. 19,
terletak di Jalan Pluit Putri No. 19, Blok C Blok C Kaveling No. 10, Pluit, Penjaringan, North
Kaveling No. 10, Pluit, Penjaringan, Jakarta Jakarta with an area of
Utara dengan Luas 514 M2 (“SHM 514 M2 (“SHM No.1323/Pluit”). SHM No.
No.1323/Pluit”). SHM No. 1323/Pluit telah 1323/Pluit has been changed into the name of
dibalik nama ke atas nama Lim Victory Halim Lim Victory Halim based on the deed of power of
berdasarkan akta kuasa jual dan akta jual beli. attorney to sale and sale and purchase deed.
Sidang dilaksanakan pada 27 Desember 2023 The trial was held on December 27, 2023 with
dengan agenda pembacaan putusan oleh the agenda of reading the decision by the Panel
Majelis Hakim Pengadilan Negeri Jakarta of Judges of the North Jakarta District Court.
Utara.
70
Page 442
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
c. Litigasi (Lanjutan) c. Litigation (Continued)
2. Hanna Tanadi, David Julianto, dan Tifana 2. Hanna Tanadi, David Julianto, dan Tifana
(Lanjutan) (Continued)
Bahwa pada tanggal 16 Februari 2024 That on February 16, 2024 the Company has
Perseroan telah mengajukan permohonan filed an appeal against the decision of the North
banding atas putusan Pengadilan Negeri Jakarta District Court with case register Number
Jakarta Utara dengan register perkara 666/Pdt.G/2022/PN.Jkt.Utr as attached to the
No. 666/Pdt.G/2022/PN.Jkt.Utr yang letter of receipt of the appeal issued by the North
sebagaimana terlampir dalam surat tanda Jakarta District Court. The original decision
penerimaan memori banding yang dikeluarkan of case No. 291/PDT/2024/PT/DKI connection
oleh Pengadilan Negeri Jakarta Utara. Adapun with 666/Pdt.G/2022/PN.Jkt.Utr at the appeal
asli putusan perkara nomor 291/PDT/2024/ level was received by the Company on April 22,
PT/DKI Jo. 666/Pdt.G/2022/PN.Jkt.Utr di 2024. Upon the decision at the appeal level, the
tingkat banding tersebut telah diterima oleh Company has filed a cassation on April 26, 2024
Perusahaan pada tanggal 22 April 2024. Atas by submitting a deed of cassation statement
putusan di tingkat banding, Perusahaan through the North Jakarta District Court and
telah mengajukan upaya hukum kasasi pada submitting the Cassation Memorandum on May
tanggal 26 April 2024 dengan menyerahkan 3, 2024. Currently, the Company is still awaiting
akta pernyataan kasasi melalui Pengadilan a decision at the cassation level on case number
Negeri Jakarta Utara dan menyerahkan 291/PDT/2024/PT/DKI connection with
Memori Kasasi pada tanggal 3 Mei 2024. 666/Pdt.G/2022/PN.Jkt.Utr.
Saat ini Perusahaan masih menunggu
putusan di tingkat kasasi atas perkara nomor
291/PDT/2024/PT/DKI Jo. 666/Pdt.G/2022/
PN.Jkt.Utr.
3. Leonardogmir 3. Leonardogmir
Leonardogmir selaku Pelawan mengajukan Leonardogmir as the Plaintiff in opposition filed
gugatan perlawanan kepada PT Bank Capital a third party opposition lawsuit against PT Bank
Indonesia Tbk (“Perusahaan”) selaku Terlawan Capital Indonesia Tbk (“Company”) as the
dan Lidya Purba selaku Turut Terlawan, yang Respondent in opposition and Lidya Purba as
gugatannya telah didaftarkan di Kepaniteraan the Co-Respondent in opposition, which lawsuit
Pengadilan Negeri Jakarta Barat dengan has been registered at the Registrar of the West
No. 770/Pdt.G/2023/PN.Jkt.Brt tanggal Jakarta District Court with No.
29 Agustus 2023 sehubungan dengan 770/Pdt.G/2023/PN.Jkt.Brt dated August 29,
Perusahaan telah melakukan pengajuan sita 2023 in connection with the Company has filed
jaminan dan telah mendapatkan penetapan a collateral confiscation and has obtained a
sita eksekusi dari Pengadilan Negeri determination of confiscation of execution from
Jakarta Barat dengan perkara No. the West Jakarta District Court with Case No.
28/2017 Eks. sehubungan dengan No. 28/2017 Ex. connection with No.118./2018 on
118/2018 pada tanggal April 16, 2018 on the collateral object SHM No.
16 April 2018 atas objek jaminan SHM 7643/Joglo, located in Joglo Village,
No. 7643/Joglo, yang terletak di Kelurahan Kembangan Subdistrict, West Jakarta
Joglo, Kecamatan Kembangan, Kota Administrative City, Jakarta Special Capital
Administrasi Jakarta Barat, Provinsi DKI Region Province in the name of Widow Lidia
Jakarta atas nama Janda Lidia Purba (Purba, Purba (Purba, Lidia).
Lidia).
71
Page 443
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
c. Litigasi (Lanjutan) c. Litigation (Continued)
3. Leonardogmir (Lanjutan) 3. Leonardogmir (Continued)
Bahwa gugatan perlawanan ini diajukan oleh That this third party opposition lawsuit was filed
Pelawan dengan tujuan untuk menangguhkan by the Plaintiff in opposition with the aim of
dan menyatakan penetapan Ketua Pengadilan suspending and declaring the decision of the
Negeri Jakarta Barat dengan No. 28/2017 Jo. Chairman of the West Jakarta District Court with
No. 18/2018 tertanggal 16 April 2018 terkait No. 28/2017 connection with No. 18/2018
pelaksanaan sita eksekusi terhadap objek dated April 16, 2018 related to the
SHM No. 7643/Joglo tidak sah, batal demi implementation of execution confiscation
hukum, dan tidak mengikat. Sidang against the object of SHM No. 7643/Joglo is
dilaksanakan pada tanggal 21 Februari 2024 invalid, null and void, and not binding. The trial
dengan agenda pembacaan gugatan, namun was held on February 21, 2024 with the agenda
pembacaan gugatan tidak dapat terlaksana of reading the lawsuit, but the reading of the
dikarenakan Majelis Hakim berhalangan hadir lawsuit could not be carried out because the
dalam persidangan. Berdasarkan hal tersebut, Panel of Judges was unable to attend the trial.
panitera pengganti menetapkan agenda Based on this, the substitute registrar set the
sidang pembacaan gugatan yang dilaksanakan agenda for the reading of the lawsuit which was
pada tanggal 6 Maret 2024 di Pengadilan held on March 6, 2024 at the West Jakarta
Negeri Jakarta Barat. District Court.
Bahwa gugatan perlawanan ini diajukan oleh That this third party opposition lawsuit was filed
Pelawan dengan tujuan untuk menangguhkan by the Plaintiff in opposition with the aim of
dan menyatakan penetapan Ketua Pengadilan suspending and declaring the decision of the
Negeri Jakarta Barat dengan No. 28/2017 Jo. Chairman of the West Jakarta District Court with
No. 18/2018 tertanggal 16 April 2018 terkait No. 28/2017 connection with No. 18/2018
pelaksanaan sita eksekusi terhadap objek dated April 16, 2018 related to the
SHM No. 7643/Joglo tidak sah, batal demi implementation of execution confiscation
hukum, dan tidak mengikat. Sidang against the object of SHM No. 7643/Joglo is
dilaksanakan pada tanggal 21 Februari 2024 invalid, null and void, and not binding. The trial
dengan agenda pembacaan gugatan, namun was held on February 21, 2024 with the agenda
pembacaan gugatan tidak dapat terlaksana of reading the lawsuit, but the reading of the
dikarenakan Majelis Hakim berhalangan hadir lawsuit could not be carried out because the
dalam persidangan. Berdasarkan hal tersebut, Panel of Judges was unable to attend the trial.
panitera pengganti menetapkan agenda Based on this, the substitute registrar set the
sidang pembacaan gugatan yang dilaksanakan agenda for the reading of the lawsuit which was
pada tanggal 6 Maret 2024 di Pengadilan held on March 6, 2024 at the West Jakarta
Negeri Jakarta Barat. District Court.
Pada tanggal 27 Maret 2024 telah On March 27, 2024 a trial was held with the
dilaksanakan persidangan dengan agenda agenda of the Replication from the Plaintiff in
Replik dari Pelawan. Pada tanggal 3 April 2024 opposition. On April 3, 2024 the trial was
sidang dilanjutkan dengan agenda penyerahan continued with the agenda of the submission of
Duplik dari Terlawan melalui E-Court dan sudah Rejoinder from the Respondent in opposition
dilakukan verifikasi oleh Majelis Hakim through E-Court and verification has been
Pengadilan Negeri Jakarta Barat. Bahwa pada carried out by the Panel of Judges of the West
Sidang berikutnya melalui E-Court tanggal Jakarta District Court. That at the next trial
24 April 2024, dengan agenda Bukti Surat dari through E-Court on April 24, 2024, with the
Pihak Pelawan, Turut Terlawan tidak hadir, agenda of Letter Evidence from the Plaintiff in
dengan demikian persidangan ditunda selama opposition, the Respondent in opposition was
2 (dua) minggu dan selanjutnya akan not present, thus the trial was adjourned for
dilaksanakan pada tanggal 8 Mei 2024, 2 (two) weeks and will be held on May 8, 2024,
dengan agenda Bukti Surat dari Pihak with the agenda of Letter Evidence from the
Terlawan. Pada tanggal 8 Mei 2024 sidang Respondent in opposition. On May 8, 2024 the
kembali ditunda selama 1 (satu) minggu trial was again postponed for 1 (one) week until
sampai dengan tanggal 15 Mei 2024. May 15, 2024.
72
Page 444
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
c. Litigasi (Lanjutan) c. Litigation (Continued)
3. Leonardogmir (Lanjutan) 3. Leonardogmir (Continued)
Sidang dengan agenda Bukti Surat dari Pihak The trial with the agenda of Letter Evidence from
Terlawan telah dilaksanakan pada tanggal the Respondent in opposition was held on
15 Mei 2024, namun terdapat beberapa bukti May 15, 2024, but there were some evidence
yang masih pending, sehingga sidang ditunda that was still pending, so the trial was postponed
sampai dengan tanggal 29 Mei 2024. Sidang until May 29, 2024. The trial was held again on
kembali dilaksanakan pada tanggal May 29, 2024 with the agenda of pending
29 Mei 2024 dengan agenda Bukti Pending Evidence from the Respondent in opposition,
dari Pihak Terlawan, dan sidang selanjutnya and the next trial was scheduled for
dijadwalkan pada tanggal 12 Juni 2024 June 12, 2024 with the agenda of submitting
dengan agenda penyampaian bukti tambahan additional evidence and examining witnesses
dan pemeriksaan saksi dari pihak Pelawan. from the Plaintiff in opposition. The trial with the
Sidang dengan agenda bukti pending dan agenda of pending evidence and additional
tambahan bukti dari Pihak Terlawan evidence from the Respondent in opposition was
dilaksanakan pada tanggal 12 Juni 2024, di held on June 12, 2024, where the Company has
mana Perusahaan telah memberikan provided some additional evidence, but there is
beberapa bukti tambahan, namun masih still evidence that is still pending, for the next
terdapat bukti yang masih pending, untuk trial will be held on June 25, 2024. The trial was
sidang selanjutnya akan dilaksanakan pada held on June 25, 2024 with the agenda of
tanggal 25 Juni 2024. Sidang dilaksanakan examining the witness of the Plaintiff in
pada tanggal 25 Juni 2024 dengan agenda opposition at the West Jakarta District Court.
pemeriksaan Saksi Pelawan di Pengadilan That on July 25, 2024 the company has
Negeri Jakarta Barat. Bahwa pada submitted the Conclusion of the Respondent in
tanggal 25 Juli 2024 Perusahaan telah opposition through E-Court. The reading of the
menyampaikan Kesimpulan dari Pihak decision was held on September 20, 2024, with
Terlawan melalui E-Court. Pembacaan putusan the provision of rejecting the claim of the
telah dilaksanakan pada tanggal provision of the Plaintiff in opposition, in the
20 September 2024, dengan provisi menolak exception rejecting the exception of the
tuntutan Provisi Pelawan, dalam eksepsi Respondent in opposition, in the main case
menolak eksepsi Terlawan, dalam pokok stating that the Plaintiff in opposition is an
perkara menyatakan Pelawan adalah Pelawan incorrect Plaintiff in opposition, rejecting the
yang tidak benar, menolak gugatan opposition lawsuit of the Plaintiff in opposition,
Perlawanan dari Pelawan, menghukum punishing the Plaintiff in opposition to pay court
Pelawan untuk membayar biaya perkara costs in the amount of Rp1,613,000 (one million
sejumlah Rp1.613.000 (satu juta enam ratus six hundred thirteen thousand rupiah).
tiga belas ribu rupiah).
Bahwa Leonardogmir mengajukan banding That Leonardogmir appealed the decision of the
atas putusan dari Pengadilan Negeri pada District Court on September 27, 2024 at the
tanggal 27 September 2024 di Pengadilan High Court of the Special Capital Region of
Tinggi DKI Jakarta melalui Pengadilan Negeri Jakarta through the West Jakarta District Court
Jakarta Barat dan Perusahaan selaku and the company as the Appellee (formerly the
Terbanding (dulu Terlawan) telah menerima Respondent in opposition) has received a notice
relaas pemberitahuan banding pada tanggal of appeal on October 9, 2024 through the
9 Oktober 2024 melalui email E-Court E-Court email of the Supreme Court of Republic
Mahkamah Agung RI. Pada tanggal of Indonesia. On October 16, 2024 the Company
16 Oktober 2024 Perusahaan telah has filed a Counter Memorandum of Appeal
mengajukan Kontra Memori Banding melalui through the registrar of the West Jakarta District
kepaniteraan Pengadilan Negeri Jakarta Barat. Court. That the Jakarta High Court has given an
Bahwa Pengadilan Tinggi Jakarta telah Appeal Decision, which in essence, is to uphold
memberikan Putusan Banding, yang pada the decision of the West Jakarta District Court
pokoknya, yaitu menguatkan putusan appealed against.
Pengadilan Negeri Jakarta Barat yang
dimohonkan banding tersebut.
73
Page 445
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
d. Litigasi (Lanjutan) d. Litigation (Continued)
3. Leonardogmir (Lanjutan) 3. Leonardogmir (Continued)
Bahwa Leonardogmir mengajukan kasasi atas That Leonardogmir filed a cassation against the
putusan dari Pengadilan Tinggi Jakarta pada decision of the Jakarta High Court on
tanggal 12 Desember 2024 melalui December 12, 2024 through the West Jakarta
Pengadilan Negeri Jakarta Barat dan District Court and the company as the Cassation
Perusahaan selaku Termohon Kasasi (dulu Respondent (formerly the Appellee/Respondent
Terbanding/Terlawan) telah menerima relaas in opposition) has received the notification of
pemberitahuan kasasi dan menerima Memori cassation and received the Cassation
Kasasi pada tanggal 27 Desember 2024 Memorandum on December 27, 2024 through
melalui surel E-Court Mahkamah Agung the E-Court email of the Supreme Court Republic
Republik Indonesia. of Indonesia.
4. PT Batik Delapan Satu, Asikin Aliwarga, Sofwan 4. PT Batik Delapan Satu, Asikin Aliwarga, Sofwan
Aliwarga Aliwarga
PT Batik Delapan Satu (Ex-Debitur) selaku PT Batik Delapan Satu (Ex-Debtor) as Plaintiff I,
Penggugat I, PT Windu Eka selaku Penggugat II, PT Windu Eka as Plaintiff II, Asikin Aliwarga as
Asikin Aliwarga selaku Penggugat Ill, Sofwan Plaintiff Ill, Sofwan Aliwarga as Plaintiff IV
Aliwarga selaku Penggugat IV (“secara (“collectively referred to as the Plaintiffs”) filed a
bersama-sama disebut Para Penggugat”) lawsuit against the Company as Defendant I and
mengajukan gugatan perbuatan melawan Wise Dragon Limited as Defendant II whose
hukum kepada Perseroan selaku lawsuit was registered at the registrar of the
Tergugat I dan Wise Dragon Limited selaku South Jakarta District Court with case register
Tergugat II yang gugatannya didaftarkan No. 619/Pdt.G/2024/PN.Jkt.Sel on
di kepaniteraan Pengadilan Negeri Jakarta June 27, 2024 in connection with the Company's
Selatan dengan register perkara action to transfer the receivables of the Credit
No. 619/Pdt.G/2024/PN.Jkt.Sel pada tanggal Facility (cessie) of the Ex-Debtor to Wise Dragon
27 Juni 2024 sehubungan dengan tindakan Limited.
Perusahaan mengalihkan tagihan atas
Fasilitas Kredit (cessie) Ex-Debitur kepada
Wise Dragon Limited.
Sidang dilaksanakan pada tanggal The trial was held on September 12, 2024 with
12 September 2024 dengan agenda panggilan the agenda of summoning the parties. Then the
para pihak. Kemudian sidang selanjutnya next trial was continued on September 19, 2024
dilanjutkan pada tanggal 19 September 2024 with the agenda of examining the legality of the
dengan agenda pemeriksaan legalitas para parties. The next trial agenda is mediation which
pihak. Untuk agenda sidang berikutnya adalah will be held on September 26, 2024. On
mediasi yang akan dilaksanakan pada tanggal September 26, 2024 mediation was held with
26 September 2024. Pada tanggal the parties, where the Judge Mediator asked the
26 September 2024 telah dilaksanakan Plaintiff to submit an amicable settlement
mediasi dengan para pihak, di mana Hakim proposal to the Defendants, thus mediation was
Mediator meminta Penggugat untuk postponed for two weeks and will be continued
mengajukan proposal perdamaian kepada on October 10, 2024 with the agenda of
para Tergugat, dengan demikian mediasi submitting an amicable settlement proposal
ditunda selama dua minggu dan akan from the Plaintiff at the South Jakarta District
dilanjutkan pada tanggal 10 Oktober 2024 Court. The mediation was again adjourned and
dengan agenda penyerahan proposal will be held on October 17, 2024 with the
perdamaian dari Penggugat di Pengadilan agenda of the submission of an amicable
Negeri Jakarta Selatan. Mediasi kembali settlement proposal from the Plaintiff at the
ditunda dan dilaksanakan pada tanggal South Jakarta District Court.
17 Oktober 2024 dengan agenda penyerahan
proposal perdamaian dari Penggugat di
Pengadilan Negeri Jakarta Selatan.
74
Page 446
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
c. Litigasi (Lanjutan) c. Litigation (Continued)
4. PT Batik Delapan Satu, Asikin Aliwarga, Sofwan 4. PT Batik Delapan Satu, Asikin Aliwarga, Sofwan
Aliwarga (Lanjutan) Aliwarga (Continued)
Mediasi kembali dilanjutkan pada tanggal Mediation was resumed on October 24, 2024
24 Oktober 2024 dengan agenda penyerahan with the agenda of submitting a response to the
tanggapan proposal perdamaian dari para amicable settlement proposal from the
Tergugat. Hakim mediator menunda mediasi Defendants. The mediator judge postponed the
dan kemudian dilanjutkan kembali pada mediation and then resumed on
tanggal 21 November 2024 dengan agenda November 21, 2024 with the agenda of
tanggapan dari Tergugat II sampai dengan V responses from Defendants II to V on the
atas proposal perdamaian Para Penggugat. Plaintiffs' amicable settlement proposal. That
Bahwa atas Mediasi tersebut gagal sehingga the mediation failed so that the trial continued
sidang dilanjutkan dengan agenda Pembacaan with the agenda of the reading of the lawsuit by
Gugatan oleh Para Penggugat serta the Plaintiffs and the submission of the
Penyampaian Hasil Mediasi dan untuk jadwal mediation results and for the trial schedule will
sidangnya akan diinformasikan kembali be informed again through the court summons.
melalui relaas panggilan sidang. Sidang The trial was continued on Thursday,
dilanjutkan pada hari Kamis tanggal December 5, 2024 at the South Jakarta District
5 Desember 2024 di Pengadilan Negeri Court, with the agenda of reading out the lawsuit
Jakarta Selatan, dengan agenda persidangan by the Plaintiffs and submitting the mediation
Pembacaan Gugatan oleh Para Penggugat dan results. On December 19, 2024, the Defendants
Penyampaian Hasil Mediasi. Pada tanggal submitted their Exception and Answer through
19 Desember 2024 telah dilakukan E-Court. The trial will be resumed on
penyerahan Eksepsi dan Jawaban dari Para January 3, 2025 with the agenda of Submission
Tergugat melalui E-Court. Sidang akan kembali of Replication from the Plaintiffs through
dilanjutkan pada tanggal 3 Januari 2025 E-Court.
dengan agenda Penyerahan Replik dari Para
Penggugat melalui E-Court.
Berdasarkan fakta lapangan dan bukti yang Based on field facts and available evidence,
ada, manajemen berpendapat bahwa Bank management believes that the Bank has a high
memiliki persentase yang tinggi untuk menang percentage chance of winning this dispute, and
dalam sengketa ini, sehingga tidak diperlukan therefore no provision is necessary as a result of
pencadangan akibat tuntutan hukum tersebut. the lawsuit.
5. PT Ciremai Putera Mandiri 5. PT Ciremai Putera Mandiri
Bahwa pada tanggal 01 November 2023 That on November 01, 2023 the Company
Perseroan menerima Surat dengan received a letter with No. 012/Pailit-
No. 012/Pailit-TKCPM/X/2023 yang TKCPM/X/2023 submitted by the Curator Team
disampaikan oleh Tim Kurator PT Ciremai of PT Ciremai Putera Mandiri (In Bankruptcy)
Putera Mandiri (Dalam Pailit) perihal: (1) regarding: (1) Notification of Bankruptcy
Pemberitahuan Putusan Putusan Pailit Decision against PT Ciremai Putera Mandiri (In
Terhadap PT Ciremai Putera Mandiri (Dalam Bankruptcy) and (2) Invitation to attend the
Pailit) dan (2) Undangan untuk menghadiri creditors meeting. On November 22, 2023 the
rapat kreditor. Pada tanggal 22 November Company has fulfilled the invitation of the
2023 Perusahaan telah memenuhi undangan Curator Team of PT Ciremai Putera Mandiri (In
Tim Kurator PT Ciremai Putera Mandiri (Dalam Bankruptcy) to register the Company's bills. That
Pailit) untuk mendaftarkan tagihan on December 11, 2023, the Company attended
Perusahaan. Bahwa pada tanggal the Meeting of Creditors with the agenda of tax
11 Desember 2023 Perusahaan menghadiri verification meeting/matching receivables at the
Rapat Kreditor dengan agenda rapat verifikasi Commercial Court at the Central Jakarta District
pajak/pencocokan piutang di Pengadilan Court.
Niaga pada Pengadilan Negeri Jakarta Pusat.
75
Page 447
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
26. KOMITMEN DAN KONTINJENSI (Lanjutan) 26. COMMITMENTS AND CONTINGENTS (Continued)
c. Litigasi (Lanjutan) c. Litigation (Continued)
5. PT Ciremai Putera Mandiri (Lanjutan) 5. PT Ciremai Putera Mandiri (Continued)
Pada tanggal 04 Maret 2024 Perusahaan On March 04, 2024 the Company attended a
menghadiri rapat verifikasi lanjutan di further verification meeting at the Commercial
Pengadilan Niaga pada Pengadilan Negeri Court at the Central Jakarta District Court, and
Jakarta Pusat, dan pada tanggal on March 18, 2024 the Company attended a
18 Maret 2024 Perusahaan menghadiri rapat further verification meeting at the Commercial
verifikasi lanjutan di Pengadilan Niaga pada Court at the Central Jakarta District Court. The
Pengadilan Negeri Jakarta Pusat. Tim Kurator Curator Team of PT Ciremai Putera Mandiri (In
PT Ciremai Putera Mandiri (Dalam Pailit) telah Bankruptcy) has submitted the Temporary Asset
menyerahkan Daftar Pertelaan Aset Proceedings List on May 30, 2024. That until
Sementara pada tanggal 30 Mei 2024. Bahwa now the Company is still coordinating with the
sampai dengan saat ini Perusahaan masih Curator regarding the settlement of PT Ciremai
berkoordinasi dengan Kurator mengenai Putera Mandiri (In Bankruptcy) assets as
pemberesan aset PT Ciremai Putera Mandiri collateral in the Company.
(Dalam Pailit) yang menjadi jaminan di
Perusahaan.
27. PENDAPATAN BUNGA 27. INTEREST INCOME
2025 2024
Kredit 1.038.207 602.367 Loans
Efek-efek 400.518 332.967 Marketable securities
Penempatan pada Bank Placement with Bank
Indonesia dan bank lain 52.516 44.366 Indonesia and other banks
Jumlah 1.491.241 979.700 Total
28. BEBAN BUNGA 28. INTEREST EXPENSES
2025 2024
Simpanan nasabah 724.305 819.775 Deposits from customers
Sekuritas yang dijual
berdasarkan perjanjian Securities sold under
pembelian kembali 134.761 130.644 agreement to repurchase
Simpanan dari bank lain 53.424 40.180 Deposits from other banks
Premi penjaminan 25.153 26.772 Guarantee premium
Obligasi yang diterbitkan - 15.174 Bond issued
Jumlah 937.643 1.032.545 Total
76
Page 448
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
29. PROVISI DAN KOMISI 29. FEES AND COMMISSION
2025 2024
Pendapatan provisi Provision income
Pendapatan provisi kredit 175.955 26.236 Credit fees income
Pendapatan provisi bank Fees from bank
garansi 40 19 guarantees
Pendapatan komisi Commission income
Pendapatan komisi Commission from
bank garansi 5.677 5.928 bank guarantees
Pendapatan komisi lainnya 4.504 843.259 Others commission income
Jumlah 186.176 875.442 Total
30. PENDAPATAN LAIN-LAIN 30. OTHER INCOME
2025 2024
Pendapatan administrasi 4.147 3.206 Administrative income
Pendapatan jasa transfer dana 910 506 Fund transfer service income
Pendapatan denda pokok Principal and interest
dan bunga 1.929 4.163 penalty income
Lainnya 449.391 81.719 Others
Jumlah 456.377 89.594 Total
31. UMUM DAN ADMINISTRASI 31. GENERAL AND ADMINISTRATIVE
2025 2024
Premi asuransi 581.419 366.529 Insurance
Penyusutan dan amortisasi 56.177 52.775 Depreciation and amortization
Biaya outsourcing 26.494 21.895 Outsourcing fee
Pemeliharaan 23.309 14.203 Maintenance
Komunikasi 18.833 17.014 Telecommunication
Imbalan kerja (Catatan 20) 12.184 8.288 Employment benefits (Note 20)
Sewa 9.786 8.099 Rent
Promosi 8.016 7.172 Promotion
Transport 4.696 5.712 Transport
Listrik dan air 4.415 3.514 Electricity and water
Perlengkapan kantor 4.067 3.629 Office equipment
Jasa profesional 2.433 1.697 Professional fees
Transaksi jasa Fee of ATM
ATM Bersama 2.020 2.501 Bersama transaction
Lain-lain 41.362 16.989 Others
Jumlah 795.211 530.017 Total
77
Page 449
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
32. GAJI DAN TUNJANGAN 32. SALARIES AND ALLOWANCE
2025 2024
Gaji dan upah 125.498 120.009 Salaries and wages
Tunjangan karyawan 94.302 83.255 Allowances personnel
Beban pelatihan 6.742 6.887 Training expenses
Lain-lain 31 36 Others
Jumlah 226.573 210.187 Total
Perincian gaji dan tunjangan atas dewan komisaris dan The details of salaries and allowances of commissioners
direksi adalah sebagai berikut: and directors are as follows:
2025
Jumlah/ Gaji/ Tunjangan/ Jumlah/
Total Salaries Allowance Total
Dewan komisaris 3 3.129 298 3.427 Board of commissioners
Direksi 5 11.291 1.851 13.142 Board of directors
Jumlah 8 14.420 2.149 16.569 Total
2024
Jumlah/ Gaji/ Tunjangan/ Jumlah/
Total Salaries Allowance Total
Dewan komisaris 3 2.840 283 3.123 Board of commissioners
Direksi 5 10.833 1.757 12.590 Board of directors
Jumlah 8 13.673 2.040 15.713 Total
33. PEMBENTUKAN CADANGAN KERUGIAN PENURUNAN 33. PROVISION FOR IMPAIRMENT LOSSES ON FINANCIAL
NILAI ASET KEUANGAN ASSETS
2025 2024
Efek-efek 3.851 15.526 Marketable securities
Kredit yang diberikan 323 5.988 Loans
Penempatan pada bank lain - 225 Placement on other banks
Jumlah 4.174 21.739 Total
34. LABA PERSAHAM DASAR 34. BASIC EARNINGS PER SHARE
Laba per saham dasar dihitung dengan membagi laba Basic earnings per share is computed by dividing the net
bersih pemegang saham dengan rata-rata tertimbang profit attributable to shareholders by the weighted
saham biasa yang beredar pada tahun yang average number of common shares outstanding during
bersangkutan. the year.
2025 2024
Laba bersih Net profit
Laba bersih untuk Net profit for the
perhitungan laba per computation of basic
saham dasar 125.985 109.378 earnings per shares
Total saham Total shares
Weighted average
Total rata-rata number of outstanding
tertimbang saham biasa 19.953.024.885 19.953.024.885 common shares
Laba per saham Earnings per share
(nilai penuh) 6,31 5,48 (full amount)
78
Page 450
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
35. SIFAT DAN TRANSAKSI PIHAK-PIHAK YANG BERELASI 35. NATURE AND TRANSACTION OF RELATED PATRIES
Dalam kegiatan normal usahanya, Bank melakukan In the normal course of business, the Bank entered into
transaksi tertentu dengan pihak berelasi. certain transaction with related parties.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made based on
berdasarkan persyaratan yang disetujui oleh kedua mutually agreed terms, which may not be the same as
belah pihak, yang mungkin tidak sama dengan those of the transaction between third parties.
transaksi lain yang dilakukan dengan pihak ketiga.
Sifat hubungan dan transaksi dengan pihak berelasi The nature of relationship and transaction with related
dan transaksinya adalah sebagai berikut: parties and its transactions are as follows:
Pihak- Pihak Berelasi/ Sifat Hubungan/ Transaksi/
Related Parties Nature of Relationship Transaction
Komisaris, Direksi, dan Pejabat Eksekutif/ Karyawan kunci/ Kredit, Simpanan dari nasabah, dan
Commissioner, Directors, and Executive Key person Modal saham/Loans, Deposit from
Officer customer, and Capital share
PT Capital Global Investama Perusahaan asosiasi/ Simpanan dari nasabah dan Modal
Association company saham/Deposit from customer and
Capital share
PT Capital Financial Indonesia Tbk Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
PT Capital Life Indonesia Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
PT Capital Life Syariah Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
PT Capital Global Financial Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
PT Capital Financial Technologies Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
PT Capital Financial Sharia Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
PT Capital Sharia Indonesia Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
Bhakti Mitra Usaha Perusahaan asosiasi/ Simpanan dari nasabah/Deposit from
Association company customer
a. Saldo kredit kepada pihak berelasi pada tanggal a. The credit balance to related parties as of December
31 Desember 2025 dan 2024 adalah sebesar 31, 2025 and 2024 are as follow:
berikut:
2025 2024
Kredit Net profit
Kredit kepada pihak Loans to related party
berelasi lainnya di bawah other below
Rp10 miliar 477 432 Rp10 billion
Jumlah 477 432 Total
Persentase jumlah kredit Related party
pihak berelasi terhadap loan percentage
total aset 0,00% 0,00% to total assets
79
Page 451
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
35. SIFAT DAN TRANSAKSI PIHAK-PIHAK YANG BERELASI 35. NATURE AND TRANSACTION OF RELATED PATRIES
(Lanjutan) (Continued)
Selain pinjaman karyawan (Catatan 9), transaksi Besides employee loans (Note 9), credit transactions
kredit yang dilakukan dengan pihak berelasi undertaken with related parties have the same
memiliki tingkat suku bunga yang sama dengan interest rate to transactions with third parties.
transaksi pihak ketiga.
b. Saldo simpanan pihak berelasi masing-masing b. Deposits from related parties as of December 31,
pada tanggal 31 Desember 2025 dan 2024 2025 and 2024, respectively are as follows:
adalah sebagai berikut:
2025 2024
Simpanan nasabah Deposits from costumer
(Catatan 15) (Note 15)
Giro 96.895 28.889 Current accounts
Tabungan 7.241 5.411 Savings
Deposito berjangka 16.566 8.558 Time deposits
Jumlah 120.702 42.858 Total
Persentase jumlah Percentage of deposits
simpanan nasabah pihak From related parties
berelasi terhadap jumlah customer against
liabilitas 0,57% 0.27% total liabilities
Giro Current Accounts
Pada tanggal 31 Desember 2025 dan 2024 As of December 31, 2025 and 2024 interest rates on
tingkat bunga giro Rupiah yang diberikan adalah current accounts in Rupiah are in the range of
berkisar antara 0,25% - 3,50%. 0.25% - 3.50%.
Tabungan Savings
Pada tanggal 31 Desember 2025 dan 2024, As of December 31, 2025 and 2024, interest rates
tingkat bunga yang diberikan adalah berkisar are in the range 0.25% - 2.00%.
antara 0,25% - 2,00%.
Deposito Berjangka Time Deposits
Pada tanggal 31 Desember 2025 dan 2024, As of December 31, 2025 and 2024, interest rates
tingkat bunga deposito rupiah yang diberikan on deposits in rupiah are in the range 2.25% - 6.5%.
berkisar antara 2,25% - 6,5%.
80
Page 452
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
36. ASET DAN LIABILITAS MONETER DALAM MATA UANG 36. MONETARY ASSETS AND LIABILITIES DENOMINATED IN
ASING FOREIGN CURRENCIES
Posisi aset (sebelum dikurangi dengan cadangan The position of monetary assets (before net-off allowance
kerugian penurunan nilai) dan liabilitas moneter dalam for impairment losses) and liabilities denominated in
mata uang asing pada tanggal laporan posisi keuangan foreign currencies as of the financial position date were as
adalah sebagai berikut: follows:
2025 2024
Mata Uang Mata Uang
Asing/ Asing/
Foreign Foreign
Currencies Setara Jutaan Currencies Setara Jutaan
(Jumlah Rupiah/ (Jumlah Rupiah/
Penuh/ Equivalent in Penuh/ Equivalent in
Full Amount) Million Rupiah Full Amount) Million Rupiah
Aset
Kas USD 246.869 4.116 102.379 1.648 USD
Giro pada Bank Indonesia USD 2.904.686 48.436 2.904.686 46.751 USD
Giro pada bank lain USD 8.264.007 137.802 2.692.574 43.337 USD
SGD 554.400 7.188 162.994 1.931 SGD
JPY 19.617.214 2.089 30.337.269 3.126 JPY
EUR 93.935 1.839 115.050 1.928 EUR
AUD 90.724 1.012 195.777 1.960 AUD
CNY 840.383 2.004 1.334.708 2.943 CNY
Efek-efek USD - - 114.772.256 183.816 USD
Aset lain-lain USD 9.593 160 104.085 1.675 USD
Jumlah/ Total 204.646 289.115
Liabilitas
Liabilitas segera USD 3.601.179 60.050 6.800.100 109.448 USD
Simpanan dari nasabah USD 48.203.224 803.789 43.155.393 694.586 USD
SGD 546.163 7.081 11.509 136 SGD
JPY 868.600 93 1.411.000 145 JPY
AUD 6.215 69 91.238 914 AUD
Utang pajak USD 39.510 659 45.319 729 USD
Liabilitas lain-lain USD 113.445 1.892 92.354 1.487 USD
Jumlah/Total 873.633 807.445
Aset (liabilitas) neto (668.987) (518.330)
81
Page 453
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
37. ASET KEUANGAN DAN LIABILITAS KEUANGAN 37. FINANCIAL ASSETS AND FINANCIAL LIABILITIES
Tabel di bawah ini adalah nilai tercatat dan nilai wajar The table below shows the carrying values and fair values
atas aset keuangan dan liabilitas keuangan dalam of financial assets and financial liabilities in the
laporan posisi keuangan pada tanggal statements of financial position as of December 31, 2025
31 Desember 2025 dan 2024: and 2024:
2025 2024
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Aset Keuangan Financial Assets
Kas 96.181 96.181 65.109 65.109 Cash
Giro pada Bank Current accounts
Indonesia 1.813.597 1.813.597 1.619.352 1.619.352 with Bank Indonesia
Current accounts
Giro pada bank lain 172.010 172.010 64.523 64.523 with other banks
Penempatan pada Placement with
Bank Indonesia Bank Indonesia
dan Bank lain 2.694.714 2.694.714 1.449.578 1.449.578 and other banks
Efek-efek 6.775.868 6.775.868 5.782.846 5.782.846 Marketable securities
Kredit yang diberikan
neto 11.035.791 11.035.791 7.794.763 7.794.763 Loans - net
Piutang bunga 109.432 109.432 99.636 99.636 Interest receivables
Jumlah 22.697.593 22.697.593 16.875.807 16.875.807 Total
Liabilitas Keuangan Financial Liabilities
Liabilities due
Liabilitas segera 673.331 673.331 359.777 359.777 immediately
Simpanan dari Deposit from
nasabah 18.254.018 18.254.018 12.572.261 12.572.261 costumers
Simpanan dari bank Deposit from
lain 752.814 752.814 725.275 725.275 other banks
Efek- efek yang dijual Securities sold
dengan janji dibeli under agreements
kembali 1.346.597 1.346.597 2.031.910 2.031.910 purchases
Jumlah 21.026.760 21.026.760 15.689.223 15.689.223 Total
Nilai wajar aset keuangan dan liabilitas keuangan The fair values of the above financial assets and liabilities
diukur dengan dasar sebagai berikut: are determined based on the following:
Aset Keuangan Financial Assets
Nilai wajar atas aset keuangan jangka pendek The fair values of financial assets that are short-term in
(umumnya kurang dari satu tahun) seperti kas, giro nature (generally less than one year) such as cash, current
pada Bank Indonesia, giro pada bank lain, penempatan accounts with bank Indonesia, current accounts with
pada Bank Indonesia dan bank lain, kredit, piutang other banks, placements with Bank Indonesia and other
bunga yang masih harus diterima dan aset lain-lain banks, loans, interest receivable represent their carrying
adalah sebesar nilai tercatat karena telah mendekati amounts as these approximates their fair values.
estimasi nilai wajarnya.
Nilai wajar atas efek-efek ditentukan dengan mengacu The fair value of marketable securities is determined by
pada kuotasi harga pasar terakhir yang dipublikasikan referring to the latest quoted market prices published on
pada tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024.
82
Page 454
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
37. ASET KEUANGAN DAN LIABILITAS KEUANGAN 37. FINANCIAL ASSETS AND FINANCIAL LIABILITIES
(Lanjutan) (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
Estimasi nilai wajar kredit (umumnya kredit dengan The estimated fair value of loans (normally floating
bunga mengambang) merupakan nilai kini dari estimasi interests bearing loans) represents the present value
arus kas masa depan yang diharapkan akan diterima amount of estimated future cash flows expected to be
yang didiskontokan pada suku bunga pasar. Kredit received discounted at current market rate. Loans are
disajikan bersih setelah dikurangi cadangan kerugian presented net of allowance for impairment losses.
penurunan nilai.
Liabilitas Keuangan Financial Liabilities
Nilai wajar liabilitas keuangan jangka pendek (biasanya The fair values of financial liabilities are short-term in
kurang dari satu tahun) seperti liabilitas segera, nature (generally less than one year) such as liabilities
simpanan dari nasabah, simpanan dari bank lain dan due immediately, deposits from customers, deposit from
liabilitas lainnya adalah sebesar nilai tercatat karena other banks and other liabilities represent their carrying
telah mendekati estimasi nilai wajarnya. amounts as these approximates their fair values.
Estimasi nilai wajar simpanan tanpa ketentuan jatuh The estimated fair value of deposits with no stated
tempo adalah sebesar jumlah terutang ketika liabilitas maturity is the amount payable on demand.
tersebut harus segera dibayar pada saat ditagih.
Berikut metode dan asumsi yang digunakan untuk The following methods and assumptions are used to
estimasi nilai wajar: estimate the fair value:
- Nilai wajar aset lancar dan liabilitas jangka pendek - The fair value of current assets and current liabilities
mendekati nilai tercatat karena jangka waktu jatuh approximate their carrying amounts largely due to the
tempo yang singkat atas instrumen keuangan short-term maturities of these instruments.
tersebut.
- Nilai wajar dari efek-efek ditentukan menggunakan - The fair value of securities is determined by
diskonto arus kas berdasarkan tingkat suku bunga discounting cash flow using effective interest rate.
efektif.
- Nilai wajar dari liabilitas segera, simpanan dari - Fair value of liabilities due immediately, deposits
nasabah, simpanan dari bank lain dan liabilitas from customers, deposit from other banks and other
lainnya dicatat sebesar biaya historis karena nilai liabilities is carried at historical cost because their fair
wajarnya tidak dapat diukur secara andal. value cannot be measure reliably.
Hierarki Nilai Wajar Fair Value Hierarchy
Tabel di bawah ini menganalisis instrumen keuangan The table below analyses financial instruments carried at
yang dicatat pada nilai wajar berdasarkan tingkatan fair value, by level of valuation method. The different levels
metode penilaian. Perbedaan pada setiap tingkatan of valuation methods have been defined as follows:
metode penilaian dijelaskan sebagai berikut:
Tingkat 1: Harga dikutip (tidak disesuaikan) dari Level 1: Quoted prices (unadjusted) in active markets
pasar yang aktif untuk aset atau liabilitas yang for identical assets or liabilities
identik;
Tingkat 2: Input selain harga yang dikutip dari Level 2: Inputs other than quoted prices included
pasar yang disertakan pada Tingkat 1 yang dapat within Level 1 that are observable for the asset or
diobservasi untuk aset dan liabilitas, baik secara liability, either directly (that is, as prices) or indirectly
langsung (yaitu sebagai sebuah harga) atau secara (that is, derived from prices); and
tidak langsung (yaitu sebagai turunan dari harga);
dan
Tingkat 3: Input untuk aset atau liabilitas yang Level 3: Inputs for the asset or liability that are not
tidak didasarkan pada data pasar yang dapat based on observable market data (that is,
diobservasi (informasi yang tidak dapat unobservable inputs).
diobservasi).
83
Page 455
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
37. ASET KEUANGAN DAN LIABILITAS KEUANGAN 37. FINANCIAL ASSETS AND FINANCIAL LIABILITIES
(Lanjutan) (Continued)
Hierarki Nilai Wajar (Lanjutan) Fair Value Hierarchy (Continued)
Tabel berikut menyajikan aset dan liabilitas Bank The following table presents the assets and liabilities
yang diukur sebesar nilai wajar pada tanggal of the Bank which are measured at fair value as of
31 Desember 2025 dan 2024: December 31, 2025 and 2024:
2025
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset Assets
Nilai wajar melalui Fair value through
laba rugi profit or loss
Efek-efek 583.745 - - 583.745 Securities
Fair value
Nilai wajar melalui other through
penghasilan comprehensive
komprehensif lain income
Efek-efek 4.183.443 - - 4.183.443 Securities
Nilai wajar pada
biaya perolehan Fair value at
diamortisasi amortized cost
Efek-efek 2.008.680 - - 2.008.680 Securities
Jumlah aset 6.775.868 - - 6.775.868 Total assets
2024
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset Assets
Nilai wajar melalui Fair value through
laba rugi profit or loss
Efek-efek 559.456 - - 559.456 Securities
Fair value
Nilai wajar melalui other through
penghasilan comprehensive
komprehensif lain income
Efek-efek 3.022.574 - - 3.022.574 Securities
Nilai wajar pada
biaya perolehan Fair value at
diamortisasi amortized cost
Efek-efek 2.200.816 - - 2.200.816 Securities
Jumlah aset 5.782.846 - - 5.782.846 Total assets
84
Page 456
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
37. ASET KEUANGAN DAN LIABILITAS KEUANGAN 37. FINANCIAL ASSETS AND FINANCIAL LIABILITIES
(Lanjutan) (Continued)
Hierarki Nilai Wajar (Lanjutan) Fair Value Hierarchy (Continued)
Nilai wajar instrumen keuangan yang diperdagangkan The fair value of financial instruments traded in active
dalam pasar aktif (misalnya efek yang diperdagangkan markets is based on quoted market prices at the reporting
dan tersedia untuk dijual) ditentukan berdasarkan date.
harga pasar yang dikutip pada tanggal pelaporan.
Suatu pasar dianggap aktif apabila informasi mengenai A market is regarded as active if quoted prices are readily
harga kuotasi dapat dengan mudah dan secara berkala and regularly available from an exchange, dealer, or
tersedia dari suatu bursa, pedagang efek, atau broker, broker, industry group pricing service, or regulatory
kelompok penilai harga pasar industri tertentu, agency, and those prices represent actual and regularly
regulator dan harga-harga tersebut mencerminkan occurring market transaction on an arm’s lengths basis.
transaksi pasar yang aktual dan reguler pada tingkat The quoted market price used for financial assets held by
yang wajar. Harga pasar yang dikutip untuk aset the Bank is the current bid price, while financial liabilities
keuangan yang dimiliki Bank adalah harga penawaran use ask price. These instruments are included in Level 1.
sekarang. Instrumen-instrumen tersebut termasuk Instruments included in Level 1 comprise primarily
dalam Tingkat 1. Instrumen yang termasuk dalam PT Indonesian Stock Exchange (IDX) liabilities investments
Tingkat 1 umumnya meliputi investasi utang pada classified as held-for-trading securities or available for
PT Bursa Efek Indonesia (BEI) yang diklasifikasikan sale.
sebagai surat berharga yang dimiliki untuk
diperdagangkan dan tersedia untuk dijual.
38. MANAJEMEN RISIKO 38. RISK MANAGEMENT
a. Kerangka manajemen risiko a. Risk management framework
Kerangka pengelolaan risiko Bank mengacu pada The Bank’s risk management framework is based on
POJK No. 18/POJK.03/2016 tentang Penerapan POJK No. 18/POJK.03/2016 regarding
Manajemen Risiko Bagi Bank Umum, Peraturan Implementation of Risk Management for Commercial
Menteri BUMN No. PER-2/MBU/03/2023 tentang Banks, Ministerial Regulation of State-owned
Pedoman Tata Kelola dan Kegiatan Korporasi Enterprise No. PER-2/MBU/03/2023 regarding
Signifikan Badan Usaha Milik Negara, dan POJK Guidelines for Governance and Significant Corporate
No. 17 Tahun 2023 tentang Penerapan Tata Kelola Activities of State-Owned Enterprises, and POJK
Bagi Bank Umum. Kerangka pengelolaan risiko No. 17 Year 2023 regarding the Implementation of
Bank tercantum dalam Kebijakan Manajemen Good Corporate Governance by Commercial Banks.
Risiko (KMNR), dalam kerangka pengelolaan risiko The Bank’s risk management framework is included in
ini, diatur berbagai kebijakan agar manajemen Risk Management Policy (KMNR), which consists of
risiko berfungsi sebagai business enabler various policies to support risk management function
sehingga bisnis dapat tetap tumbuh dalam koridor as a business enabler for business growth within the
prudential principle dengan menerapkan proses corridor of prudential principle by adopting the ideal
manajemen risiko yang ideal (identifikasi - risk management processes (identification -
pengukuran pemantauan - pengendalian risiko) measurement monitoring- risk control) at all
pada semua level organisasi. organization levels.
85
Page 457
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
a. Kerangka manajemen Risiko (Lanjutan) a. Risk management framework (Continued)
Komite Pemantau Risiko memonitor pelaksanaan The Risk Monitoring Committee approves and
kerangka dan kebijakan manajemen risiko dengan monitors the implementation of risk management
mengadakan pertemuan triwulanan untuk menilai policies and framework of the Bank. The Risk
kinerja dari setiap portofolio kredit dan Monitoring Committee meets every quarterly to
mendiskusikan masalah-masalah risiko. Komite assess the performance of the respective credit
Manajemen Risiko dibentuk oleh Direksi portfolios and discuss risk issues. The Risk
beranggotakan mayoritas Direksi dan pejabat Management Committee is established by The Board
eksekutif terkait. Komite Manajemen Risiko of Directors consist of a majority of Directors and
memberikan rekomendasi kepada Direksi dalam executive officers related. The Risk Management
hal Pengelolaan risiko yang ada di Bank. Komite Committee provide recommendations to the Board of
Manajemen Risiko diketuai oleh Direktur yang Directors in the management of risks in the bank. The
membawahi Bidang Manajemen Risiko. Risk Management Committee is chaired by The
Director in charge of Risk Management Sector.
Kebijakan manajemen risiko Bank ditetapkan The Bank’s risk management policies are established
untuk mengidentifikasi, mengukur, memantau dan to identify, measure, monitor and control the risks
mengendalikan risiko-risiko yang dihadapi Bank, faced by the Bank, to set appropriate risk limits and
serta untuk menetapkan batasan risiko serta controls and to monitor compliance with established
untuk mengawasi kepatuhan terhadap batasan risk limits.
risiko yang telah ditetapkan.
Kebijakan dan sistem manajemen risiko ditelaah Risk management policies and systems are reviewed
secara berkala disesuaikan dengan perubahan regularly adapted to changes in market conditions
kondisi pasar, serta disesuaikan dengan and adapted to The Bank’s Internal development
perkembangan internal Bank meliputi produk dan products and services offered. The Bank, through its
jasa yang ditawarkan. Bank, melalui pelatihan training aims to develop a disciplined and
yang terstruktur berusaha untuk mengembangkan constructive control environment, in which all
lingkungan pengendalian yang taat dan employees understand their roles and obligations.
konstruktif, di mana semua karyawan memahami
tugas dan kewajiban mereka.
Selain Komite Pemantau Risiko, Bank membentuk Besides the Risk Monitoring Committee, Bank have
Komite Audit yang memiliki tanggung jawab Audit Committee, which responsible for monitoring
memantau kepatuhan Bank terhadap regulasi dari compliance with the Bank’s risk management policies
otoritas, terhadap kebijakan dan prosedur and procedures, and for reviewing the adequacy of
manajemen risiko, dan untuk menelaah the risk management framework in relation to the
kecukupan kerangka manajemen risiko yang risks faced by the Bank.
terkait dengan risiko-risiko yang dihadapi oleh
Bank
Dalam menjalankan fungsinya, Komite Audit The Bank’s Audit Committee is assisted in these
dibantu oleh Satuan Kerja Audit Internal (SKAI) functions by Internal Audit. Internal Audit undertakes
yang secara berkala maupun sesuai kebutuhan, both regular and ad-hoc reviews of risk management
menelaah pengendalian dan prosedur manajemen controls and procedures, the results of which are
risiko dan melaporkan hasilnya ke Komite Audit reported to the Bank’s Audit Committee.
Bank.
86
Page 458
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
b. Risiko kredit b. Credit risk
Risiko kredit adalah risiko terjadinya kerugian Credit Risk is the risk of financial loss caused by the
keuangan yang disebabkan debitur atau debtor or counterparty fails to meet its obligations.
counterparty gagal memenuhi kewajibannya. Credit risk is managed through established policies
Risiko kredit dikelola melalui penetapan kebijakan and processes covering credit acceptance criteria,
serta proses pelaksanaan yang meliputi kriteria credit approval, pricing, monitoring, problem loan
pemberian kredit, persetujuan kredit, penetapan management and portfolio management. The Bank
harga, pemantauan, pengelolaan kredit also strictly monitors the development of its loan
bermasalah dan manajemen portofolio. Bank juga portfolios, enabling the Bank to take precautionary
dengan ketat memantau perkembangan portofolio action in a timely manner when there is a
kredit Bank, yang memungkinkan Bank untuk degradation in credit quality.
melakukan tindakan pencegahan secara tepat
waktu apabila terjadi penurunan kualitas kredit.
Bank terus melanjutkan untuk mengelola dan Bank continued to actively manage and monitor the
mengawasi secara aktif kualitas portofolio loan portfolio quality by improving credit risk
pinjaman yang diberikan dengan cara management policies effectively, refinement
meningkatkan kebijakan manajemen risiko kredit procedures and systems development in an effort to
secara efektif, penyempurnaan prosedur dan keep the negative impact caused by non-performing
pengembangan sistem dalam upaya menjaga loans (NPL).
dampak negatif yang diakibatkan oleh kredit
bermasalah.
Bank telah mengimplementasikan upaya The Bank has implemented multi layer effort in each
berjenjang di setiap tahap yang berhubungan and every stage of the activity related to the provision
dengan aktivitas pemberian kredit untuk of credit to ensure the security of loans. The process
memastikan keamanan kredit yang diberikan. of credit is done by applying dual control and four
Proses pemberian kredit dilakukan dengan eyes principles, with separate marketing function
menerapkan prinsip dual control dan four eyes that handles credit from the function that handles
principles, dengan memisahkan fungsi yang credit analysis.
menangani pemasaran kredit dari fungsi yang
menangani analisa kredit.
Keputusan pemberian kredit dilakukan secara Loan decision is done in steps according to loan size
berjenjang menurut besaran kredit, dan dilakukan and performed by the Credit Committee. Before a
oleh Komite Kredit. Sebelum keputusan diambil decision is taken for specific loan size, the Credit
untuk besaran kredit tertentu, Komite Kredit Committee is consider opinions given by The Risk
mempertimbangkan opini yang diberikan oleh Management Division, Compliance Division and legal
Divisi Satuan Kerja Manajemen Risiko, Divisi opinion from the Legal Division. The entire process is
Kepatuhan dan opini hukum dari Divisi Legal. regulated in the Bank’s Credit policy.
Keseluruhan proses tersebut diatur di dalam
Kebijakan Perkreditan Bank.
87
Page 459
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
b. Risiko kredit (Lanjutan) b. Credit risk (Continued)
Produk program telah dikembangkan oleh masing- Product programs have been developed by each
masing unit bisnis berdasarkan kebijakan kredit business unit based on the established credit policy.
yang telah ditetapkan.
Di dalam perhitungan Aset Tertimbang Menurut In the calculation of Risk-Weighted Assets (ATMR)
Risiko (ATMR) kredit Bank menggunakan metode Bank loans using standard methods in accordance
standar sesuai dengan ketentuan dari Otoritas with the provision of Financial Services Authority.
Jasa Keuangan.
i. Eksposur maksimum terhadap risiko kredit i. Maximum exposure to credit risk
Untuk aset keuangan yang diakui di laporan For financial assets recognized on the
posisi keuangan, eksposur maksimum statement of financial position, the maximum
terhadap risiko kredit sama dengan nilai exposure to credit risk equal to its carrying
tercatatnya. Untuk liabilitas kontinjensi, value. For contingent liabilities, the maximum
eksposur maksimum terhadap risiko kredit exposure to credit risk is the maximum value
adalah nilai maksimum yang harus Bank that should be paid by Bank in the event of any
bayarkan dalam hal timbul liabilitas atas liability on the instrument issued. For credit
instrumen yang diterbitkan. Untuk komitmen commitments, the maximum exposure to credit
kredit, eksposur maksimum terhadap risiko risk is the full amount of the undrawn
kredit adalah sebesar jumlah fasilitas yang committed credit facilities granted to
belum ditarik dari nilai penuh fasilitas kredit customers.
yang telah disepakati (committed) kepada
nasabah.
Tabel berikut menyajikan eksposur The following table presents the Bank’s
maksimum terhadap risiko kredit Bank atas maximum exposure to credit risk relating to on-
instrumen keuangan pada laporan posisi financial position and off-financial position
keuangan dan komitmen dan kontinjensi financial instruments, without taking into
(rekening administratif), tanpa account of any collateral held or other credit
memperhitungkan agunan yang dimiliki atau enhancement.
jaminan kredit lainnya.
2025 2024
Jakarta Solo Bandung Jakarta Solo Bandung
Laporan posisi Statements of
keuangan: financial position:
Current accounts
Giro pada Bank with Bank
Indonesia 1.813.597 - - 1.619.352 - - Indonesia
Giro pada bank Current account
lain 172.010 - - 64.523 - - with other banks
Penempatan
pada Bank Placements with
Indonesia dan Bank Indonesia
bank lain 2.694.714 - - 1.449.578 - - and other banks
Marketable
Efek-efek 6.755.553 - - 5.782.846 - - Securities
Kredit yang
diberikan 11.035.791 - - 7.794.763 - - Loans
Interest
Piutang bunga 109.432 - - 99.636 - - receivable
Subjumlah 22.581.097 - - 16.810.698 - - Sub-total
Commitments
Komitmen dan and
kontijensi: contingencies:
Garansi yang Guarantees
diterbitkan 590.654 - - 490.684 - - issued
Subjumlah 590.654 - - - - - Sub-total
Jumlah 23.171.751 - - 17.301.382 - - Total
88
Page 460
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
b. Risiko kredit (Lanjutan) b. Credit risk (Continued)
ii. Analisis risiko konsentrasi kredit ii. Concentration of credit risk analysis
Risiko konsentrasi kredit timbul ketika Concentrations of credit risk arise when a
sejumlah debitur berada dalam aktivitas number of debtor are engaged in similar
usaha yang sejenis atau memiliki kegiatan business activities or activities within the same
usaha dalam wilayah geografis yang sama, geographic region, or when they have similar
atau memiliki karakteristik yang sejenis yang characteristics that would cause their ability to
dapat menyebabkan kemampuan nasabah meet contractual obligations to be similarly
untuk memenuhi kewajiban kontraktualnya affected by changes in economic or other
sama-sama dipengaruhi oleh perubahan conditions.
kondisi ekonomi ataupun kondisi lainnya
yang sama.
Oleh karena itu, Bank mendorong adanya Therefore, Bank encourages the diversification
diversifikasi dari portofolio kreditnya pada of its credit portfolio among a variety of
berbagai jenis industri, serta wilayah geographies, industries, and credit product in
geografis sebagai upaya untuk order to minimize the credit risk cause credit
meminimalkan risiko akibat konsentrasi concentration in a specific industry or region.
kredit pada industri atau wilayah tertentu.
Diversifikasi sektor ekonomi kredit tersebut Credit diversification based on economic sector
telah direncanakan sebagai rencana strategi already planned by the Bank as the Bank’s
Bank, yang mencakup sektor ekonomi, strategic plan based on current economic
kondisi ekonomi saat ini relevansi dengan conditions, government policy, funding sources
kebijakan pemerintah, sumber pendanaan, and growth projections. Concentration of credit
dan proyeksi pertumbuhan. Konsentrasi risk of loans receivable by type of loans,
kredit yang diberikan berdasarkan jenis currency, economic sector and geographic
kredit, mata uang, sektor ekonomi dan region is disclosed in (Note 9.)
wilayah geografis diungkapkan pada
(Catatan 9.)
89
Page 461
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
b. Risiko kredit (Lanjutan) b. Credit risk (Continued)
iii. Konsentrasi berdasarkan jenis debitur iii. Concentration by type of debtors
Tabel berikut menyajikan konsentrasi aset keuangan berdasarkan jenis debitur: The following table presents the concentration of financial assets by type of
debtors:
31 Desember 2025/ December 31, 2025
Giro pada Bank Lain Penempatan pada Piutang Pembiayaan Obligasi Komitmen dan
dan BI/ Bank Lain dan BI/ Konsumen/ Pemerintah/ Kontinjensi/
Current Account with Placement with Efek - efek/ Pinjaman/ Consumer Financing Government Commitments and Jumlah/
Other Banks and BI Other Banks and BI Securities Loans Receivables Bonds Contingencies Total %
Korporasi - - 3.278.532 6.638.992 - - 1.147.810 11.065.334 47% Corporates
Government
Pemerintah dan and Bank
Bank Indonesia 1.813.597 2.694.714 2.432.014 - - 1.045.007 - 7.985.332 34% Indonesia
Bank - bank 172.010 - - - - - - 171.010 1% Banks
Retail - - - 120.002 4.276.797 - 2.061 4.398.860 19% Retail
Jumlah 1.985.607 2.694.714 5.710.546 6.758.994 4.276.797 1.045.007 1.149.871 23.621.536 100% Total
31 Desember 2024/ December 31, 2024
Giro pada Bank Lain Penempatan pada Piutang Pembiayaan Obligasi Komitmen dan
dan BI/ Current Bank Lain dan BI/ Konsumen/ Pemerintah/ Kontinjensi/
Account with Other Placement with Efek - efek/ Pinjaman/ Consumer Financing Government Commitments and Jumlah/
Banks and BI Other Banks and BI Securities Loans Receivables Bonds Contingencies Total %
Korporasi - - 3.173.740 6.750.410 - - 964.066 10.888.216 62% Corporates
Government
Pemerintah dan and Bank
Bank Indonesia 1.619.352 1.349.803 - - - 2.609.106 - 5.578.261 32% Indonesia
Bank - bank 64.523 100.000 - - - - - 164.523 1% Banks
Retail - - - 17.110 1.027.243 - 1.794 1.046.147 6% Retail
Jumlah 1.683.875 1.449.803 3.173.740 6.767.520 1.027.243 2.609.106 965.860 17.677.147 100% Total
90
Page 462
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
c. Risiko pasar c. Market risk
Risiko pasar merupakan risiko yang timbul pada Market risk is the risk arising on financial position and
posisi laporan keuangan dan rekening account of administrative positions, including the
administratif termasuk transaksi derivatif akibat derivative transactions due to changes in overall
perubahan secara keseluruhan dari kondisi market conditions of the portfolios held by the Bank.
pasar dari portofolio yang dimiliki oleh Bank. Yang Market factors are interest rates and exchange rates,
dimaksud dengan faktor pasar adalah suku bunga in both of the trading book and the banking book
dan nilai tukar, baik pada posisi trading book position.
maupun banking book.
Risiko pasar terdapat pada aktivitas fungsional Market risk exists in both of bank functional activities
Bank dan kegiatan treasuri. Aktivitas ini mencakup and treasury activities. These activities include
penempatan posisi dalam bentuk surat berharga placement in securities and money market, equity
dan pasar uang maupun penyertaan pada participation in other financial institutions, provisions
lembaga keuangan lainnya, penyediaan dana of funds (loans and other similar forms), funding and
(pinjaman dan bentuk sejenis lainnya) dan issuance of debt instruments and trade financing
kegiatan pendanaan dan penerbitan surat utang activities.
serta kegiatan pembiayaan perdagangan.
Tujuan dari manajemen risiko pasar adalah untuk The objective of market risk management is to
mengelola dan melakukan kontrol atas eksposur manage and control market risk exposure within
risiko pasar dalam parameter yang dapat diterima acceptable parameters and to maximize the return on
serta memaksimalkan tingkat pengembalian atas risk.
risiko.
i. Risiko mata uang i. Currency risk
Risiko pasar dikelola melalui kebijakan yang Market risk is managed through a
komprehensif dan kerangka limit untuk comprehensive policy and limit framework to
mengukur dan memonitor nilai risiko measure and monitor the amount of risk based
berdasarkan tingkat risiko yang akan diambil on risk appetite of the Bank. Market risk limits
(risk appetite) oleh Bank. Limit dari risiko are set at bank-wide level and are reported and
pasar ditetapkan pada tingkat bank-wide monitored by Market and Liquidity Risk Division
dan dilaporkan serta dipantau oleh Divisi (SKMR).
Satuan Kerja Manajemen Risiko (SKMR).
Asset and Liability Committee (ALCO) Asset and liability Committee (ALCO) acts as the
berperan sebagai forum manajemen apex senior management forum charged to
senior tertinggi untuk mengambil keputusan take all decisions on policy regarding market
atas kebijakan yang berkaitan dengan and liquidity risk management.
manajemen risiko pasar dan likuiditas Bank.
Secara keseluruhan, risiko pasar dibagi On overall, market risk is divided into two
menjadi dua bagian sebagai berikut: following risks:
Risiko mata uang timbul dari adanya posisi Currency risks arise from on- and off-financial
keuangan dan komitmen dan kontinjensi positions and commitments and contingencies
(off-balance sheet) baik di sisi aset maupun (off balance sheet) both on the asset and
liabilitas yang timbul melalui transaksi mata liability sides through transactions in foreign
uang asing. currencies.
91
Page 463
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
c. Risiko pasar (Lanjutan) c. Market risk (Continued)
i. Risiko mata uang (Lanjutan) i. Currency risk (Continued)
Secara keseluruhan, risiko pasar dibagi On overall, market risk is divided into two
menjadi dua bagian sebagai berikut: following risks: (Continued)
(Lanjutan)
Bank menggunakan metode Value at Risk Banks using the Value at Risk (VaR) to measure
(VaR) untuk mengukur risiko nilai tukar the exchange rate risk to see the magnitude of
untuk melihat besarnya potensi kerugian the potential losses from exchange rate
akibat fluktuasi nilai tukar pada Posisi fluctuations on the Net Open Position. In
Devisa Neto. Selain itu untuk mengelola dan addition to managing and mitigating the risks of
memitigasi risiko nilai tukar, pembatasan exchange rate, net foreign exchange position
posisi devisa neto secara internal telah limits have been determined internally, more
ditentukan, lebih konservatif dari conservative than regulatory limits of 20% of
pembatasan regulator sebesar 20% dari the bank's capital.
modal bank.
2025
Aset/ Liabilitas/ Posisi Devisa Neto/
Assets Liabilities Net Open Position
Mata Uang Currencies
Keseluruhan (Laporan Posisi Aggregate (Financial
Keuangan dan Rekening Position Report and
Administratif) Administrative Accounts)
Dolar Amerika Serikat 857.514 866.389 8.874 United States Dollar
Dolar Singapura 7.188 7.081 107 Singapore Dollar
Euro 1.838 - 1.838 Euro
Dolar Australia 1.012 69 942 Australian Dollar
Yuan China 2.004 - 2.004 Chinese Yuan
Yen Jepang 2.089 93 1.997 Japanese Yen
Jumlah 871.646 873.632 15.762 Total
Jumlah Modal Tier I dan II 6.787.048 Total Tier I dan II Capital
0,23% NOP Ration (Aggregate)
2024
Aset/ Liabilitas/ Posisi Devisa Neto/
Assets Liabilities Net Open Position
Mata Uang Currencies
Keseluruhan (Laporan Posisi Aggregate (Financial
Keuangan dan Rekening Position Report and
Administratif) Administrative Accounts)
Dolar Amerika Serikat 889.667 888.334 1.333 United States Dollar
Dolar Singapura 10.222 8.428 1.794 Singapore Dollar
Euro 1.928 - 1.928 Euro
Dolar Australia 1.960 914 1.046 Australian Dollar
Yuan China 2.943 - 2.943 Chinese Yuan
Yen Jepang 4.752 145 4.607 Japanese Yen
Jumlah 911.472 897.821 13.651 Total
Jumlah Modal Tier I dan II 5.315.593 Total Tier I dan II Capital
0.26% NOP Ration (Aggregate)
92
Page 464
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
c. Risiko pasar (Lanjutan) c. Market risk (Continued)
i. Risiko mata uang (Lanjutan) i. Currency risk (Continued)
Sensitivitas mata uang Currency Sensitivity
Bank memiliki eksposur dalam valuta The Bank has exposure in foreign currencies,
asing yaitu Dolar Amerika Serikat, Dolar from United Stated Dollar, Singapore Dollar,
Singapura, Australian Dolar dan Euro yang Australian Dollar and Euro which are relatively
relatif kecil. Manajemen sangat konservatif small. Management maintain Net Open Position
menjaga Posisi Devisa Neto (PDN). PDN (NOP) conservatively. NOP in current year from
pada tahun berjalan dari valuta asing foreign currencies is below the Bank
tersebut jauh di bawah dari ketentuan Indonesia’s regulation which is NOP shall not
Bank Indonesia yaitu PDN setinggi-tingginya exceed 20%.
sebesar 20%.
Berdasarkan PDN yang relatif kecil tersebut Based on the relatively small NOP the potential
maka potensi kerugian akibat fluktuasi kurs loss due to exchange rate fluctuations are also
juga sangat kecil. Hal ini dapat diukur very small. It can be measured by calculating
dengan menghitung Value at Risk (VaR) the Value at Risk (VaR), which is the greatest
yakni potensi kerugian terbesar dari posisi potential for loss of net foreign exchange
devisa neto atas kepemilikan aset dan position on the ownership of assets and
liabilitas dalam bentuk USD, SGD, AUD, EUR liabilities in USD, SGD, AUD, EUR and CNY, and
dan CNY dan berdasarkan historical data based on historical data of exchange rate
fluktuasi kurs selama 250 hari terakhir fluctuations during the last 250 days with 99%
dengan tingkat kepercayaan 99%, diperoleh confidence level, diversified VaR values
nilai diversified VaR relatif kecil sehingga obtained relatively small so will not significantly
tidak signifikan memengaruhi laba Bank. affect the Bank's future income. Based on the
Berdasarkan perhitungan tersebut di atas calculation above by maintaining the NOP at
dengan menjaga PDN pada tingkat yang low levels, the potential losses from the
rendah maka potensi kerugian atas fluktuasi fluctuation of the foreign currencies is relative
valuta asing tersebut relatif rendah. low.
ii. Risiko tingkat suku bunga ii. Interest rate risk
Risiko suku bunga adalah potensi kerugian Interest rate risk is the potential loss incurred
yang timbul akibat pergerakan suku bunga di from adverse movement in market interest
pasar yang berlawanan dengan posisi atau rates with respect to a Bank position or
transaksi Bank yang mengandung risiko transaction carrying interest rate risk.
suku bunga.
Tabel di bawah merangkum tingkat suku The table below summarizes the annual
bunga efektif rata-rata setahun untuk average effective interest rates for Rupiah and
Rupiah dan mata uang asing pada tahun foreign currencies for 31 December 2025 and
31 Desember 2025 dan 2024. 2024.
93
Page 465
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
c. Risiko pasar (Lanjutan) c. Market risk (Continued)
ii. Risiko tingkat suku bunga (Lanjutan) ii. Interest rate risk (Continued)
2025 2024
Mata uang Mata uang
asing/ asing/
Foreign Foreign
Rupiah currencies Rupiah currencies
% % % %
Aset Assets
Current account
Giro pada bank lain 0,00% 0,00% 0,00% 0,00% with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 3,75% 0,00% 0,00% 0,00% and other banks
Efek-efek 7,08% 0,00% 6,41% 2,23% Securities
Kredit yang diberikan 10,21% 0,00% 13,76% 0,00% Loans
Liabilitas Liabilities
Deposits from
Simpanan nasabah costumers
Giro 0,19% 0,12% 0,57% 0,14% Current accounts
Tabungan 0,65% 0,00% 1,70% 0,00% Savings
Deposito berjangka 6,52% 3,48% 5,70% 2,53% Time deposits
Simpanan dari Deposits from
bank lain 3,72% 0,00% 4,66% 0,00% other banks
Bank mengelola risiko suku bunga dengan Bank manages interest rate risk by using a gap
menggunakan pendekatan gap analysis analysis between assets and liabilities, with the
antara aset dengan liabilitas, dengan simulated increase or decrease in interest rates
simulasi kenaikan atau penurunan suku associated with the potential gain or loss on the
bunga dikaitkan dengan potensi keuntungan Bank.
atau kerugian Bank.
Buku Trading (Trading Book) untuk mencatat Trading book to record an ownership position in
posisi kepemilikan surat-surat berharga securities that are traded category (trading) is
yang termasuk kategori diperdagangkan still managed daily. Measurement of the
(trading) tetap dikelola secara harian. potential gain or loss is done by matching the
Pengukuran potensi rugi atau laba dilakukan ownership of securities in the trading category
dengan mencocokkan kepemilikan surat- to the market value through a process marked
surat berharga dalam kategori trading to market. Market risk limits are set by
tersebut dengan nilai pasar melalui proses reference to the competence and experience of
marked to market. Limit risiko pasar the dealer and monitored by Risk Management
ditetapkan dengan mengacu pada Division and Internal Audit Division.
kompetensi dan pengalaman para dealer,
serta dipantau melalui pengawasan oleh
Divisi Satuan Kerja Manajemen Risiko dan
Divisi Satuan Kerja Audit Internal.
94
Page 466
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
c. Risiko pasar (Lanjutan) c. Market risk (Continued)
ii. Risiko tingkat suku bunga (Lanjutan) ii. Interest rate risk (Continued)
Tabel di bawah ini menyajikan portofolio The table below summarizes the Bank’s non-
Bank (tidak termasuk portofolio yang trading portfolio at carrying amounts,
diperdagangkan) pada nilai tercatatnya, categorized by the earlier of contractual re-
yang dikelompokkan menurut mana yang pricing or maturity dates:
lebih awal antara tanggal re-pricing atau
jatuh tempo kontraktual:
2025
Suku Bunga Mengambang/ Suku Bunga Tetap/
Floating interest Rate Fixed interest Rate
Nilai Kurang dari 3-12 Kurang dari 3-12 12-24 Lebih dari
Tercatat/ 3 Bulan/ Bulan/ 3 Bulan/ Bulan/ Bulan/ 24 Bulan/
Carrying Less than 3 3-12 Less than 3 3-12 12-24 More than
Amount Months Months Months Months Months 24 Months
Financial
Aset keuangan Assets
Current
Giro pada accounts
Bank with Bank
Indonesia 1.813.597 1.813.597 - - - - - Indonesia
Current
accounts
Giro pada with other
bank lain 172.010 172.010 - - - - - banks
Penempatan Placemen with
pada Bank Bank
Indonesia Indonesia
dan bank and other
lain 2.694.714 - - 2.694.714 - - - banks
Marketable
Efek-efek 6.775.868 - - 868.813 2.786.890 767.360 2.352.805 securities
Kredit yang
diberikan 11.035.791 638.686 6.012.599 256 1.808 2.120 4.380.322 Loans
Interest
Piutang bunga 109.432 109.432 - - - - - receivable
Jumlah 22.601.412 2.733.725 6.012.599 3.563.783 2.788.698 769.480 6.733.127 Total
Liabilitas Financial
Keuangan Liabilities
Simpanan dari Deposit from
nasabah 18.254.018 6.748.965 3.768 9.014.500 2.349.727 136.970 88 costumer
Simpanan dari Deposit from
bank lain 752.814 - - 752.814 - - - other bank
Liabilitas lain-
lain 151.579 151.579 - - - - - Other liabilities
Jumlah 19.158.411 6.900.544 3.768 9.767.314 2.349.727 136.970 88 Total
Pengaruh dari
derivatif Effect of
untuk derivatives
manajemen held for risk
risiko - - - - - - - management
Selisih 3.443.001 (4.166.819) 6.008.831 (6.203.531) 438.971 632.510 6.733.039 Difference
95
Page 467
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
c. Risiko pasar (Lanjutan) c. Market risk (Continued)
ii. Risiko tingkat suku bunga (Lanjutan) ii. Interest rate risk (Continued)
Tabel di bawah ini menyajikan portofolio The table below summarizes the Bank’s non-
Bank (tidak termasuk portofolio yang trading portfolio at carrying amounts,
diperdagangkan) pada nilai tercatatnya, categorized by the earlier of contractual re-
yang dikelompokkan menurut mana yang pricing or maturity dates: (Continued)
lebih awal antara tanggal re-pricing atau
jatuh tempo kontraktual: (Lanjutan)
2024
Suku Bunga Mengambang/ Suku bunga tetap/
Floating interest Rate Fixed interest rate
Nilai Kurang dari 3-12 Kurang dari 3-12 12-24 Lebih dari
Tercatat/ 3 Bulan/ Bulan/ 3 Bulan/ Bulan/ Bulan/ 24 Bulan/
Carrying Less than 3 3-12 Less than 3 3-12 12-24 More than
amount Months Months Months Months Months 24 Months
Financial
Aset keuangan Assets
Current
Giro pada accounts
Bank with Bank
Indonesia 1.619.352 1.619.352 - - - - - Indonesia
Current
accounts
Giro pada with other
bank lain 64.523 64.523 - - - - - banks
Penempatan
pada Bank Placement with
Indonesia Bank
dan bank Indonesia and
lain 1.449.578 - - 1.449.578 - - - other banks
Marketable
Efek-efek 5.782.846 - 944.727 823.969 412.832 3.601.318 securities
Kredit yang
diberikan 7.794.763 949.907 6.841.694 154 201 106 2.701 Loans
Interest
Piutang bunga 99.636 99.636 - - - - - receivable
Jumlah 16.810.698 2.733.418 6.841.694 2.394.459 824.170 412.938 3.604.019 Total
Liabilitas Financial
Keuangan Liabilities
Simpanan dari Deposit from
nasabah 12.572.261 5.400.992 3.845 6.094.108 925.610 147.703 3 costumer
Simpanan dari Deposit from
bank lain 725.275 - - 725.275 - - - other bank
Liabilitas lain-
lain 190.451 190.451 - - - - - Other liabilities
Jumlah 13.487.987 5.591.443 3.845 6.819.383 925.610 147.703 3 Total
Pengaruh dari
derivatif Effect of
untuk derivatives
manajemen held for risk
risiko - - - - - - - management
Selisih 3.322.711 (2.858.025) 6.837.849 (4.424.924) (101.440) 265.235 3.604.016 Difference
96
Page 468
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
c. Risiko pasar (Lanjutan) c. Market risk (Continued)
ii. Risiko tingkat suku bunga (Lanjutan) ii. Interest rate risk (Continued)
Sensitivitas suku bunga Interest rate sensitivity
Berdasarkan stress test yang telah Based on the stress test has been done, the
dilakukan, modal Bank yang dialokasikan Bank’s allocated capital to cover interest rate
untuk mencover risiko suku bunga masih risk is still adequate. With a portfolio that is
kuat. Dengan portofolio yang sensitif sensitive to interest rates held by the Bank at
terhadap suku bunga yang dimiliki oleh Bank this time, the Bank will be exposed to interest
saat ini, Bank akan terekspos risiko suku rate risk or potential loss occurs when there is
bunga atau terjadi potential loss apabila an increase in interest rates in the range of 6%
terdapat kenaikan suku bunga pada kisaran and a decrease in interest rates approximately
6% dan penurunan suku bunga kurang lebih 2.5% for the portfolio in the rupiah, while in
2,5% untuk portofolio dalam Rupiah, portfolio potential foreign exchange loss occurs
sedangkan untuk portofolio dalam valuta when there is an increase in interest rates less
asing potential loss terjadi apabila terdapat than 3% and a decrease in interest rates less
kenaikan suku bunga kurang lebih sebesar than 2%.
3% dan penurunan suku bunga kurang lebih
sebesar 2%.
Oleh karena itu Bank dapat mengantisipasi Therefore, the Bank can anticipate potential
potensi kerugian dari fluktuasi kenaikan losses from fluctuations in interest rates
atau penurunan suku bunga mengingat increase or decrease given an increase/
kenaikan/penurunan suku bunga Bank decrease in interest rates of Bank Indonesia on
Indonesia rata-rata pada kisaran 0,25%. average in the range of 0.25%.
d. Risiko likuiditas d. Liquid risk
Risiko likuiditas adalah risiko yang disebabkan Liquidity risk is the risk caused by the Bank's inability
oleh ketidakmampuan Bank dalam memenuhi to meet the obligations that have maturities of cash
kewajiban yang telah jatuh tempo dari sumber flow funding sources and/or from high-quality assets
pendanaan arus kas dan/atau dari aset that can be pledged without disturbing the activities
berkualitas tinggi yang dapat diagunkan tanpa and financial condition of the Bank.
mengganggu aktivitas dan kondisi keuangan Bank.
ALCO berperan sebagai forum manajemen senior The ALCO, which acts as the apex body entrusted to
tertinggi untuk memonitor situasi likuiditas Bank. monitor liquidity situation of the Bank. ALCO is in
ALCO bertanggungjawab untuk menentukan charge of determining the policy and strategy of the
kebijakan dan strategi yang berkaitan dengan aset Bank’s asset and liabilities in line with the principles
dan liabilitas Bank sejalan dengan prinsip kehati- of prudent risk management and applicable
hatian manajemen risiko dan peraturan yang regulatory requirements. ALCO approves the limit
berlaku. ALCO menyetujui kerangka limit, framework, deliberates on the long-term structural
mempertimbangkan struktur laporan posisi statement of financial position positioning of the
keuangan jangka panjang dari Bank. ALCO juga Bank. In addition, ALCO approves all liquidity
menyetujui asumsi likuiditas dan skenario stress assumption and stress testing scenarios.
testing yang akan diterapkan.
Risiko likuiditas diukur dan dipantau secara harian The Bank manages liquidity risk through liquidity gap
berdasarkan kerangka kerja limit risiko likuiditas. analysis and liquidity ratios. Liquidity risk is
Kerangka kerja digunakan untuk mengelola situasi measured and monitored on a daily basis based on
likuiditas Bank pada kondisi normal (business-as- liquidity risk limit framework. The framework
usual) dan kejadian kondisi stress. Rencana manages the liquidity situation of the Bank under
pendanaan darurat likuiditas (liquidity contingency both a business-as-usual and stress event. Liquidity
plan) telah disusun untuk mempersiapkan Bank contingency plan is in place to prepare the Bank in
jika terjadi krisis likuiditas. the case of a liquidity crisis.
97
Page 469
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
d. Risiko likuiditas (Lanjutan) d. Liquid risk (Continued)
Eksposur terhadap risiko likuiditas Exposure to liquidity risk
Analisis kesenjangan likuiditas untuk memberikan Liquidity gap analysis provides insight as to the
pandangan terhadap ketidaksesuaian arus kas mismatch of expected cash inflows vis-a-vis outflows
masuk terkait dengan arus kas keluar di setiap on any given day. This is centrally managed within
saat. Kondisi ini dikelola secara terpusat oleh Treasury which has direct and authorized access to
Treasuri yang mempunyai akses dan otorisasi interbank, wholesale, and other professional
secara langsung ke interbank, nasabah besar markets, to supplement core banking activities of
(institusional) dan professional market yang lending and deposit taking.
lainnya, dalam upaya membantu aktivitas bisnis
Bank di pengumpulan dana dan pemberian kredit.
Salah satu rasio likuiditas adalah rasio dari aset One of liquidity ratios is net liquid assets to 1 month
likuid bersih terhadap liabilitas 1 bulan. Untuk liabilities. For this purpose, net liquid assets are
tujuan ini, aset yang bersifat likuid termasuk kas considered as including cash and cash equivalents
dan setara kas dan efek-efek berperingkat and investment grade debt securities for which there
investasi, yang diperdagangkan secara aktif dan is an active and liquid market less any deposits from
likuid di pasar dikurangi dengan simpanan dari banks and commitments maturing within next
bank dan komitmen yang jatuh tempo dalam satu month.
bulan mendatang.
Untuk tahun yang berakhir pada For the years ended December 31, 2025 and 2024,
31 Desember 2025 dan 2024, rasio dari aset the ratio of net liquid assets to customer deposits are
likuid bersih terhadap simpanan nasabah adalah as follows:
sebagai berikut:
2025 2024
Kas dan setara kas 4.776.502 3.198.562 Cash and cash equivalents
Efek-efek diukur pada nilai
wajar melalui laba rugi,
tidak termasuk yang Fair value through
sudah diklasifikasikan profit or loss, excluding
sebagai kas dan setara classified as cash and
kas 583.745 559.456 cash equivalents
Efek-efek diukur pada nilai
wajar melalui penghasilan Fair value through
komprehensif lain, tidak other comprehensive
termasuk yang sudah income excluding
diklasifikasikan sebagai classified as cash and
kas dan setara kas 4.183.443 3.022.574 cash equivalents
Efek-efek biaya perolehan
diamortisasi, tidak Fair value through
termasuk yang sudah amortized cost rupiah
diklasifikasikan sebagai excluding classified as
kas dan setara kas 2.008.280 2.200.816 cash and cash equivalents
Jumlah aset likuiditas
bersih 11.551.970 8.981.408 Total net liquid assets
Simpanan dari nasabah 18.254.018 12.572.261 Deposits from costumers
Rasio aset likuid bersih Ratio of net liquid
terhadap simpanan dari assets to deposits
nasabah 63,28% 71,44% from costumers
98
Page 470
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
d. Risiko likuiditas (Lanjutan) d. Liquid risk (Continued)
Sisa jatuh tempo kontraktual dari liabilitas Residual contractual maturities of financial
keuangan liabilities
Tabel di bawah ini menyajikan ekspektasi arus kas The table below shows the expected cash flows on
dari liabilitas keuangan Bank berdasarkan periode the Bank’s financial liabilities on the basis of their
jatuh tempo kontraktual yang terdekat dan asumsi earliest possible contractual maturity and behavioral
perilaku (behavioral assumptions) pada tanggal assumptions as at the reporting date.
pelaporan.
Nilai nominal arus masuk/arus keluar yang The nominal inflow/outflow disclosed in the following
disajikan pada tabel di bawah ini merupakan arus table represents the contractual undiscounted cash
kas kontraktual yang tidak didiskontokan terkait flows relating to the principal and interest on the
dengan pokok dan bunga atas liabilitas keuangan. financial liability or commitment.
2025
Tidak
Mempunyai Lebih dari
Jatuh Tempo 3-12
Kontraktual/ Kurang dari Bulan/ Lebih dari
No 1 Bulan/ More than 12 Bulan/
Nilai Tercatat/ Contractual Less than 1 1-3 Bulan/ 3-12 More than
Carrying Value Maturity Month 1-3 Month Month 12 Month
Liabilitas non Non-derivative
derivatif liabilities
Simpanan
dari Deposits from
nasabah 18.254.018 6.727.444 6.449.718 2.586.303 2.349.758 140.795 costumer
Simpanan
dari bank Deposits from
lain 752.814 1.814 651.000 100.000 - - other banks
Liabilitas lain- Other
lain 151.579 151.579 - - - - liabilities
Jumlah 19.158.411 6.880.837 7.100.718 2.686.303 2.349.758 140.795 Total
2024
Tidak
Mempunyai Lebih dari
Jatuh Tempo 3-12
Kontraktual/ Kurang dari Bulan/ Lebih dari
No 1 Bulan/ More than 12 Bulan/
Nilai Tercatat/ Contractual Less than 1 1-3 Bulan/ 3-12 More than
Carrying Value Maturity Month 1-3 Month Month 12 Month
Liabilitas non Non-derivative
derivatif liabilities
Simpanan
dari Deposits from
nasabah 12.572.261 5.377.857 4.573.997 1.543.246 925.615 151.546 costumers
Simpanan
dari bank Deposits from
lain 725.275 2.275 723.000 - - - other banks
Liabilitas lain- Other
lain 190.451 190.451 - - - - liabilities
Jumlah 13.487.987 5.570.583 5.296.997 1.543.246 925.615 151.546 Total
99
Page 471
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
d. Risiko likuiditas (Lanjutan) d. Liquid risk (Continued)
Analisis perbedaan jatuh tempo aset dan liabilitas Maturity gap analysis of financial assets and
keuangan liabilities
Tabel di bawah ini menyajikan analisa jatuh tempo The table below presents the maturity analysis of the
aset dan liabilitas Bank Untuk periode yang Bank’s assets and liabilities for the periods ended
berakhir pada 31 Desember 2025 dan 2024. December 31, 2025 and 2024. Based on the
Berdasarkan jangka waktu yang tersisa sampai remaining timeframe until the contract maturity date
tanggal jatuh tempo kontrak dan asumsi perilaku: and behavioral assumptions:
2025
Tidak
mempunyai
kontak jatuh
Nilai tempo/ Kurang dari
tercatat/ No 1 bulan/ 6-12
Carrying contractual Less than 1 1-3 bulan/ 3-6 bulan/ bulan/ 1-2 tahun/
amount maturity month months months months years
ASET ASSETS
Kas 96.181 96.181 - - - - - Cash
Current
Giro pada accounts
Bank with Bank
Indonesia 1.813.597 1.813.597 - - - - - Indonesia
Current
accounts
Giro pada with other
bank lain 172.010 172.010 - - - - - banks
Placement
Penempatan with
pada Bank Bank
Indonesia Indonesia
dan bank and other
lain 2.694.714 - 2.694.714 - - - - banks
Marketable
Efek-efek 6.775.868 488.883 399.930 - 246.298 2.540.591 3.100.166 securities
Kredit yang
diberikan 11.035.791 - 108.365 530.577 65.215 1.336.417 8.995.217 Loans
Interest
Piutang bunga 109.432 109.432 - - - - - receivable
Jumlah 22.697.593 2.680.103 3.203.009 530.577 311.513 3.877.008 12.095.383 Total
LIABILITAS LIABILITIES
Liabilities
Liabilitas due
segera 673.331 673.331 - - - - - immediately
Simpanan
dari Deposit from
nasabah 18.254.018 6.727.444 6.449.718 2.586.303 1.320.127 1.029.631 140.795 costumer
Simpanan
dari bank Deposit from
lain 752.814 1.814 651.000 100.000 - - - other bank
Liabilitas lain- Other
lain 151.579 151.579 - - - - - liabilities
Jumlah 19.831.742 7.554.168 7.100.718 2.686.303 1.320.127 1.029.631 140.795 Total
Perbedaan
jatuh tempo 2.865.851 (4.874.065) (3.897.709) (2.115.726) (1.008.614) 2.847.377 11.954.588 Maturity gap
Posisi neto Net position
setelah After
cadangan allowance
kerugian for
penurunan impairment
nilai 2.865.851 losses
100
Page 472
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
d. Risiko likuiditas (Lanjutan) d. Liquid risk (Continued)
Analisis perbedaan jatuh tempo aset dan liabilitas Maturity gap analysis of financial assets and
keuangan (Lanjutan) liabilities (Continued)
Tabel di bawah ini menyajikan analisa jatuh tempo The table below presents the maturity analysis of the
aset dan liabilitas Bank Untuk periode yang Bank’s assets and liabilities for the periods ended
berakhir pada 31 Desember 2025 dan 2024. December 31, 2025 and 2024. Based on the
Berdasarkan jangka waktu yang tersisa sampai remaining timeframe until the contract maturity date
tanggal jatuh tempo kontrak dan asumsi perilaku: and behavioral assumptions: (Continued)
(Lanjutan)
2024
Tidak
mempunyai
kontak jatuh
Nilai tempo/ Kurang dari
tercatat/ No 1 bulan/ 6-12
Carrying contractual Less than 1 1-3 bulan/ 3-6 bulan/ bulan/ 1-2 tahun/
amount maturity month months months months years
ASET ASSETS
Kas 65.109 65.109 - - - - - Cash
Current
Giro pada accounts
Bank with Bank
Indonesia 1.619.352 1.619.352 - - - - - Indonesia
Current
accounts
Giro pada with other
bank lain 64.523 64.523 - - - - - banks
Placement
Penempatan with
pada Bank Bank
Indonesia Indonesia
dan bank and other
lain 1.449.578 - 1.399.578 50.000 - - - banks
Marketable
Efek-efek 5.782.846 - - 959.315 786.694 37.275 3.999.562 securities
Kredit yang
diberikan 7.794.763 - 204.804 745.256 149.766 564.592 6.130.345 Loans
Interest
Piutang bunga 99.636 99.636 - - - - - receivable
Jumlah 16.875.807 1.848.620 1.604.382 1.754.571 936.460 601.867 10.129.907 Total
LIABILITAS LIABILITIES
Liabilitas Liabilities due
segera 359.777 359.777 - - - - - immediately
Simpanan
dari Deposit from
nasabah 12.572.261 5.377.857 4.573.997 1.543.246 734.456 191.159 151.546 costumers
Simpanan
dari bank Deposit from
lain 725.275 2.275 723.000 - - - - other bank
Efek-efek Securities
yang dijual sold under…
dengan janji agreements
dibeli to
kembali 2.031.910 - - - - - 2.031.910 repurchase…
Liabilitas lain- Other
lain 190.451 190.451 - - - - - liabilities
Jumlah 15.879.674 5.930.360 5.296.997 1.543.246 734.456 191.159 2.183.456 Total
Perbedaan
jatuh tempo 996.133 (4.081.740) (3.692.615) 211.325 202.004 410.708 7.946.451 Maturity gap
Posisi neto Net position
setelah After
cadangan allowance
kerugian for
penurunan impairment
nilai 996.133 losses
101
Page 473
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
e. Risiko operasional e. Operational risk
Risiko operasional adalah risiko kerugian yang Operational risk is the risk of loss resulting from
diakibatkan oleh ketidakcukupan dan/atau tidak inadequate and/or failed internal processes, human
berfungsinya proses internal, faktor manusia, factors, system failures and/or the presence of
kegagalan sistem dan/atau adanya kejadian- external events that affect the performance of the
kejadian eksternal yang memengaruhi kinerja operations of the Bank.
operasional Bank.
Risiko ini melekat dalam semua proses bisnis, This type of risk is inherent in every business
kegiatan operasional, sistem dan produk Bank, processes, operational activities, systems and
dari mulai Kantor Pusat sampai kantor kas di products of Bank, from Head Office Units to micro
seluruh Indonesia. Kegagalan mengelola risiko branches located in remote areas of Indonesia.
operasional dapat menyebabkan kerugian Failure to manage operational risks correctly could
keuangan, keselamatan karyawan dan reputasi lead to financial losses, employee safety and
Bank. reputation of the Bank.
Komponen utama dari Kerangka Kerja Major components of Operational Risk Management
Pengelolaan Risiko Operasional yang dijalankan Framework which are being consistently practiced
secara berkesinambungan antara lain: are:
Akuntabilitas yang jelas Clear accountability
Semua pihak di Bank menjalankan penugasan All parties in the Bank are designated for their
terkait dengan perannya masing-masing dalam respective roles in the management of operational
pengelolaan risiko operasional. risk.
Direksi seperti halnya Dewan Komisaris The Board of Directors of the Bank as well as the
bertanggung - jawab untuk mengawasi efektivitas Board of Commissioners are responsible to oversee
dari kerangka kerja pengelolaan risiko operasional the effectiveness of the overall operational risk
secara menyeluruh. management framework as well as its execution.
Unit bisnis sebagai Risk Taking Unit (RTU) dan unit Business unit as Risk Taking Unit (RTU) and
operasional yang menjalankan fungsi support operational unit support function role of internal
berperan menjalankan fungsi pengendalian control function of the first layer of defense in
internal pada lini pertahanan lapis pertama dalam risk management of daily operations. They are
pengelolaan risiko operasional sehari-hari. Mereka responsible to identify, manage, mitigate operational
bertanggung jawab dalam mengidentifikasi, risk. Operational Risk Management (SKMR) Division
mengelola, memitigasi risiko operasional. Satuan together with Compliance Division act as the second
Kerja Manajemen Risiko (SKMR) bersama-sama line of defense.
dengan Divisi Kepatuhan berperan sebagai
pertahanan lapis kedua.
SKMR berfungsi dalam identifikasi, pengukuran, SKMR function in the identification, measurement,
pemantauan dan pengendalian risiko operasional monitoring and control of operational risk as a whole.
secara keseluruhan. Selain itu SKMR memantau Besides monitoring the implementation of the
penerapan kerangka kerja oleh RTU, memastikan framework SKMR by the RTU, ensure adequate
kecukupan kontrol atas kebijakan dan prosedur, control over the policies and procedures, and acts
serta berperan sebagai koordinator atas aktivitas as a coordinator of the activities of an effective
pengelolaan risiko operasional yang efektif. operational risk management.
Divisi Satuan Kerja Audit Internal secara The internal auditor division are independently doing
independen berperan sebagai pertahanan lapis the role as the third line of defense.
ketiga.
Bank juga melakukan penerapan yang ketat atas Bank also performs implementation of four eyes
prinsip “empat mata” (pemisahan tugas dan dual principle (segregation of duties and dual control) for
control) untuk semua proses terutama proses yang all processes specially for critical processes.
berpotensi risiko.
102
Page 474
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
e. Risiko operasional (Lanjutan) e. Operational risk (Continued)
Siklus Pengelolaan Risiko Operasional Operational Risk Management Cycle
Pelaksanaan kerangka kerja SKMR di Bank Practices of SKMR Framework in Bank are being
dilakukan dalam siklus yang terpadu dan terdiri conducted through an integrated cycle consists
dari proses identifikasi, penilaian/pengukuran, of risk identification, assessment/measurement,
pemantauan serta pengendalian/mitigasi risiko. monitoring and controlling/mitigating.
Siklus ini mencakup: The cycle involves:
1) Identifikasi risiko melalui analisa alur kerja 1) Identification of risk through workflow and key
dan key process untuk membuat identifikasi processes analysis to develop risk identification.
risiko.
2) Pengukuran tingkat pengendalian risiko pada 2) Measurement of the level of risk in each risk-
setiap risk taking unit dengan melakukan Risk taking unit by performing Risk Self-assessment
Self-assessment dan pencatatan risk loss and recording of risk loss event associated
event dengan risk taking unit terkait, serta with risk taking units, as well as doing a
melakukan reviu/analisa atas kejadian risiko review/analysis of the risk of bank.
yang merugikan bank.
3) Tinjauan risiko atas sistem maupun 3) Risk reviews over new as well as changes to
aktivitas/proses Bank yang baru maupun Bank’s system and activities/processes.
perubahannya.
Perhitungan Beban Modal Risiko Operasional Operational Risk Capital Charges Calculation
Bank telah melakukan perhitungan beban modal The Bank has performed the capital charges
untuk risiko operasional dengan menggunakan calculation for operational risk by using Basic
Pendekatan Indikator Dasar sejak Januari 2010, Indicator Approach since January 2010 as per Bank
sesuai dengan jadwal Bank Indonesia. Persiapan Indonesia timeline. Preparation towards the adoption
untuk langkah selanjutnya perhitungan Kewajiban of the next stage Internal Capital Adequacy
Kecukupan Penyediaan Modal Minimum risiko Assessment Process (ICAAP) of Standardized
operasional dengan menggunakan Pendekatan Approach has been started and will concur to Bank
Standar akan dilaksanakan disesuaikan dengan Indonesia schedule and guidelines.
jadwal dan ketentuan dari Bank Indonesia.
Business Continuity Plan (BCP) Business Continuity Plan (BCP)
Business Continuity Plan bertujuan sebagai The objective of Business Continuity Plan to
langkah antisipasi terhadap risiko operasional anticipate operational risks which might arise caused
yang mungkin terjadi dari kondisi krisis karena by crisis conditions from power failure, system
gangguan sistem misalnya listrik mati, jaringan dropped or external factor a disaster (both natural
komputer terputus, atau faktor eksternal misalnya such as flood, earthquake or fire) or non-conducive
bencana (dari bencana alam seperti banjir, gempa business environment. The Bank has implemented a
bumi atau kebakaran) atau kondisi yang tidak comprehensive BCP using backup data center in
menunjang. Apabila terjadi gangguan pusat order to ensure continuous services to customer.
data center, Bank menerapkan BCP dengan
menggunakan back-up data center guna
memastikan kelangsungan layanan nasabah.
103
Page 475
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
e. Risiko operasional (Lanjutan) e. Operational risk (Continued)
Asuransi Aset Bank Bank Asset Insurance
Penerapan asuransi yang terkoordinasi secara Bank-wide coordination over insurance practice as
komprehensif dan merupakan salah satu mitigasi one of major operational risk mitigations ensures an
utama dari risiko operasional. Cash insurance atau optimum coverage of the policies to the risk
cash in transit insurance merupakan tindakan exposure. Cash insurance or cash in transit
mitigasi risiko terhadap uang kas di bank. Bank insurance is risk mitigation for cash in bank. Bank
memastikan cakupan polis asuransi yang optimum ensures optimum coverage insurance policy against
terhadap potensi-potensi risiko yang dapat ditutup the potential risks that can be covered by insurance.
dengan asuransi. Polis asuransi aset dan finansial Bank’s comprehensive financial and assets
Bank secara komprehensif terdiri dari Money insurance coverage are ranging from Money
Insurance, Property All Risk, Bankers Blanket Insurance, Property All Risk, Bankers Blanket Clause
Clause untuk agunan yang diasuransikan oleh for the collateral insured by the Bank.
Bank.
Fraud and Quality Assurance Fraud and Quality Assurance
Bank telah mengimplementasikan penerapan Bank has implemented anti-fraud strategy
strategi anti fraud sesuai SE BI No. 13/28/DPNP implementation in accordance SE BI No.
tanggal 9 Desember 2011 tentang Penerapan 13/28/DPNP dated December 9, 2011 regarding the
Strategi Anti Fraud Bagi Bank Umum dan telah Application of Anti-Fraud Strategy for Commercial
membentuk Departemen Anti Fraud, pada Banks and have formed the Anti Fraud Department,
Semester I tahun 2012. during the first semester of 2012.
Tugas utama Departemen Anti Fraud adalah The main task of the Anti Fraud Department is to
memastikan agar kerangka kerja dan kebijakan ensure that the framework of anti-fraud policy and
manajemen anti fraud di Bank sejalan dengan management at the Bank in line with the basic values
nilai-nilai dasar bank. Bukti komitmen tersebut of the bank. Evidence of this commitment, including
antara lain melalui deklarasi anti fraud dari seluruh through anti-fraud declaration of all employees of
karyawan berbagai level. various levels.
Beberapa kasus-kasus fraud yang terjadi di Current fraud cases which occurred within national
perbankan nasional saat ini tidak secara langsung banking system were not directly affecting Bank
memengaruhi kinerja Bank dikarenakan Bank performance. These are due to various measures
telah secara terus menerus melakukan berbagai that Bank have been continuously taken to prevent,
tindakan untuk mencegah, mendeteksi dan detect and manage the risk of fraud, which include
mengelola risiko fraud, antara lain dengan the development of Fraud Management Policy and
melakukan pengembangan prosedur internal, Framework that applies nationally, the development
kampanye anti fraud, training tentang kesadaran of internal procedures, the anti fraud campaigns, anti
anti fraud dan berbagai strategi yang telah dan fraud awareness training and various strategies that
akan diterapkan dalam mencegah dan mendeteksi have been applied in preventing and detecting fraud
kejadian fraud di setiap bagian. incidents in the units within the Bank.
Bank memberikan pula penekanan kepada Bank is also re-emphasizing the importance of
pentingnya servis kepada nasabah tanpa service to customers without decrease prudential
mengurangi prinsip-prinsip prudential banking, banking principles, through the setup of service
melalui pembentukan Departemen Service Quality quality management department. The function is
Management. Fungsi ini berperan aktif dalam taking bank-wide coordination roles in the efforts to
mengkoordinasikan usaha-usaha untuk strengthen system of internal controls without
memperkuat sistem pelayanan tanpa mengurangi decrease prudent principles to support performance
prinsip kehati-hatian, guna mendukung kinerja Lini of line of businesses in each Line of Businesses and
Bisnis. Support Functions.
f. Risiko Kepatuhan f. Compliance Risk
Risiko kepatuhan adalah risiko yang disebabkan Compliance risk is the risk that may arise due to the
Bank tidak mematuhi atau tidak melaksanakan non-compliance by the Bank with prevailing
peraturan dan perundang-undangan yang berlaku. regulations and laws.
104
Page 476
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
38. MANAJEMEN RISIKO (Lanjutan) 38. RISK MANAGEMENT (Continued)
g. Risiko Kepatuhan (Lanjutan) g. Compliance Risk (Continued)
Pada praktiknya risiko kepatuhan melekat pada Practice, compliance risks are inherent with the
risiko Bank yang terkait pada peraturan Bank’s risks in relation to prevailing laws and
perundang-undangan dan ketentuan lain yang regulations, such as to comply with Minimum Capital
berlaku, seperti terkait dengan ketentuan Requirement, Quality of Earning Assets, Provisions of
Kewajiban Pemenuhan Modal Minimum (KPMM), Allowance for Impairment Loss, Legal Lending Limit,
Kualitas Aset Produktif (KAP), Cadangan Kerugian market risks relating to requirement of Net Open
Penurunan Nilai (CKPN), Batas Maksimum Position, strategic risks relating to requirement of the
Pemberian Kredit (BMPK), risiko pasar terkait Bank’s Annual Budgeted Frameworks, Liquidity
dengan ketentuan Posisi Devisa Neto (PDN), risiko Coverage Ratio (LCR), Net Stable Funding Ratio
stratejik terkait dengan ketentuan Rencana Kerja (NSFR), Interest Rate Risk in Banking Book (IRRBB),
Anggaran Tahunan (RKAT) Bank, Liquidity and other risk that may arise relating to certain
Coverage Ratio (LCR), Net Stable Funding Ratio regulations.
(NSFR), Interest Rate Risk in Banking Book
(IRRBB), dan risiko lain yang terkait dengan
ketentuan tertentu.
Untuk meminimalkan risiko kepatuhan di atas, To minimize compliance risk above, the Bank needs
Bank mengelola risiko-risiko yang mungkin akan to manage risks that are likely to arise with
timbul dengan cara mengantisipasi risiko-risiko anticipating those risks. The parameters used in
tersebut. Adapun parameter yang digunakan measuring the risks which are likely to arise are LLL,
dalam mengukur risiko-risiko yang mungkin akan NPL, adequacy of allowance, PDN, CAR, adequacy of
timbul yaitu BMPK, NPL, kecukupan PPAP, Standard Operating Procedures (SOP) as well as the
PDN, KPMM, kecukupan Standard Operating things related to Human Resources (HR), including
Procedures (SOP) dan hal-hal yang menyangkut remuneration and training that must be given to the
Sumber Daya Manusia (SDM) termasuk employees.
remunerasi dan pelatihan yang harus diberikan
kepada setiap karyawan.
Pengendalian risiko kepatuhan tersebut juga The controls of compliance risk are also undertaken
melalui Sistem Pengendalian Risiko antara lain through the Risk Control System which includes
pengawasan aktif Dewan Komisaris dan Dewan active supervision of the Boards of Commissioners
Direksi serta ketepatan kebijakan dan prosedur and Board of Directors also the appropriateness of
Bank. the Bank’s policies and procedures.
39. SEGMEN OPERASI 39. OPERATION SEGMENT
Informasi segmen Bank tidak dikelompokkan per Bank segment information is not classified as business
segmen usaha hanya dikelompokkan berdasarkan segments and is only classified by geographical segment.
segmen geografis.
2025
Jumah/
Jakarta Solo Bandung Surabaya Kupang Semarang Medan Palembang Makassar Total
Pendapatan Incomes
Pendapatan Interest
bunga 949.917 61.233 221.758 113.596 4.253 82.912 57.572 - - 1.491.241 income
Pendapatan Fees and
provisi dan commission
komisi 186.169 1 - 3 - - 3 - - 186.176 income
Pendapatan Other
operasional operating
lainnya 468.280 168 142 24 11 31 54 1 - 468.711 income
Jumlah
pendapatan 1.604.366 61.402 221.900 113.623 4.264 82.943 57.629 1 - 2.146.128 Total income
Beban Expenses
Beban Interest
bunga (577.398) (46.099) (158.959) (60.532) (2.378) (49.790) (35.475) (5.699) (1.313) (937.643) expense
Beban Other
operasional operating
lainnya (986.261) (4.834) (7.919) (6.801) (2.215) (5.005) (5.771) (1.467) (1.511) (1.021.784) expenses
Jumlah beban (1.563.659) (50.933) (166.878) (67.333) (4.593) (54.795) (41.246) (7.166) (2.824) (1.959.427) Total income
105
Page 477
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
39. SEGMEN OPERASI (Lanjutan) 39. OPERATION SEGMENT (Continued)
Informasi segmen Bank tidak dikelompokkan per Bank segment information is not classified as business
segmen usaha hanya dikelompokkan berdasarkan segments and is only classified by geographical segment.
segmen geografis. (Lanjutan) (Continued)
2025
Jumah/
Jakarta Solo Bandung Surabaya Kupang Semarang Medan Palembang Makassar Total
Laba Operational
operasional 40.707 10.469 55.022 46.290 (329) 28.148 16.383 (7.165) (2.824) 186.701 incomes-net
Pembentukan
cadangan Allowance for
penurunan impairment
nilai aset on financial
keuangan (4.349) 175 - - - - - - - (4.174) assets
Non
Pendapatan operational
(beban) non Income
operasional (19.264) (1) (5) - - (1) - - - (19.271) (expense)
Laba sebelum
pajak Income
penghasilan 17.094 10.643 55.017 46.290 (329) 28.147 16.383 (7.165) (2.824) 163.256 before tax
Pajak
penghasilan (37.271) Income tax
Laba bersih 125.985 Net income
Aset 21.535.160 607.927 2.672.567 1.120.011 52.355 967.805 587.065 376.711 118.755 28.038.356 Assets
Kredit-bersih 11.034.095 - - 1.696 - - - - - 11.035.791 Loans – net
Liabilitas 15.295.259 597.459 2.617.550 1.073.721 52.684 570.682 570.682 383.876 121.579 21.283.492 Liabilities
Simpanan dari Deposit from
nasabah 12.309.710 583.802 2.600.243 1.067.236 62.087 565.492 565.492 380.329 119.627 18.254.018 customer
Pengeluaran Capital
modal 33.563 612 (2.888) (1.447) 5.654 575 575 3.893 3.547 43.414 expenditure
Beban
penyusutan 50.189 1.097 (2.733) (1.184) 4.364 2.236 2.236 490 395 56.177 Depreciation
2024
Jumah/
Jakarta Solo Bandung Surabaya Kupang Semarang Medan Total
Pendapatan Incomes
Interest
Pendapatan bunga 920.555 8.158 18.057 14.997 368 11.808 5.757 979.700 income
Fees and
Pendapatan provisi commission
dan komisi 875.442 - - - - - - 875.442 income
Pendapatan Other
operasional lainnya 90.405 91 41 5 2 6 - 90.550 operating income
Jumlah pendapatan 1.886.402 8.249 18.098 15.002 370 11.814 5.757 1.945.692 Total income
Beban Expenses
Beban bunga (993.231) (7.143) (13.881) (7.079) (161) (7.467) (3.583) (1.032.545) Interest expense
Other
Beban operasional operating
lainnya (747.265) (1.127) (1.480) (2.129) (419) (941) (965) (740.204) expenses
Jumlah beban (1.740.496) (8.270) (15.361) (9.208) (580) (8.408) (4.548) (1.772.749) Total income
106
Page 478
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
39. SEGMEN OPERASI (Lanjutan) 39. OPERATION SEGMENT (Continued)
Informasi segmen Bank tidak dikelompokkan per Bank segment information is not classified as business
segmen usaha hanya dikelompokkan berdasarkan segments and is only classified by geographical segment.
segmen geografis. (Lanjutan) (Continued)
2024
Jumah/
Jakarta Solo Bandung Surabaya Kupang Semarang Medan Total
Laba operasional Operational
160.028 (21) 2.737 5.794 (210) 3.406 1.209 172.943 incomes-net
Pembentukan
cadangan Allowance for
penurunan nilai impairment on
aset keuangan (21.736) (3) - - - - - (21.739) financial assets
Pendapatan (beban) Non operational
non operasional (7.720) - 4 - - 1 - (7.715) Income (expense)
Laba sebelum pajak Income
penghasilan 130.572 (24) 2.741 5.794 (210) 3.407 1.209 143.489 before tax
Pajak penghasilan - (34.111) Income tax
Laba bersih 109.378 Net income
Aset 19.768.475 553.959 907.288 561.830 16.359 447.667 335.627 22.591.205 Assets
Kredit-bersih 7.794.763 - - - - - - 7.794.763 Loans – net
Liabilitas 13.187.194 551.486 899.940 545.525 17.100 436.009 330.934 15.968.188 Liabilities
Simpanan dari Deposit from
nasabah 9.814.567 547.666 893.659 541.173 16.472 432.246 326.478 12.572.261 customer
Pengeluaran modal 262.589 569 (3.268) (1.657) 5.654 (98) - 263.789 Capital expenditure
Beban penyusutan 53.031 9 (3.340) (2.007) 4.079 284 719 52.775 Depreciation
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
Informasi tambahan berikut yang disajikan (tidak The following additional information presented
diaudit) di bawah ini merupakan informasi yang (unaudited) below is information required by applicable
disyaratkan oleh regulasi yang berlaku dan bukan/tidak regulations and is not information required by Indonesian
merupakan informasi yang dipersyaratkan oleh Standar Financial Accounting Standards:
Akuntansi keuangan Indonesia:
a. Giro pada Bank Indonesia a. Current accounts with Bank Indonesia
Pada tanggal 31 Desember 2025 dan 2024, Giro As of December 31, 2025 and 2024, the Bank’s
Wajib Minimum (GWM) Bank telah sesuai dengan Minimum Statutory Reserve has complied with
Peraturan Anggota Dewan Gubernur Nomor 8 Regulation of Members of The Board of Governors
Tahun 2025 tentang Perubahan Ketiga atas (PADG) No. 8 Year 2025 concerning Third
Peraturan Anggota Dewan Gubernur Nomor Amendment to PADG No. 24/8/PADG/2022
24/8/PADG/2022 tentang Pelaksanaan Peraturan concerning Implementation Regulations for Fulfilling
atas Pemenuhan Giro Wajib Minimum Dalam The Minimum Statutory Reserve in Rupiah and
Rupiah dan Valuta Asing bagi Bank Umum Foreign Currency for Conventional Commercial Banks,
Konvensional, Bank Umum Syariah, dan Unit Sharia Commercial Banks and Sharia Business Units
Usaha Syariah” dan Peraturan Anggota Dewan and Regulation of the Members of the Board of
Gubernur No. 23 Tahun 2025 tentang Rasio Governors No. 23 of 2025 concerning
Intermediasi Makroprudensial dan Penyangga Macroprudential Intermediation Ratio and
Likuiditas Makroprudensial bagi Bank Umum Macroprudential Liquidity Buffer for Commercial
Konvensional, Bank Umum Syariah, dan Unit Banks, Islamic Commercial Banks, and Islamic
Usaha Syariah (PADG RIM PLM) yaitu sebagai Business Units (PADG RIM PLM) which are as follows:
berikut:
2025 2024
Rupiah Rupiah
GWM primer 9,00% 9,00% Primary GWM
GWM sekunder/ Secondary GWM/
Penyangga Likuiditas Macroprudential
Makroprudensial (PLM) 4,00% 6,00% Liquidity Buffer (PLM)
Dolar Amerika Serikat United States Dollar
GWM valuta asing 4,00% 4,00% Foreign currency GWM
107
Page 479
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
a. Giro pada Bank Indonesia (Lanjutan) a. Current accounts with Bank Indonesia (Continued)
GWM Primer adalah simpanan minimum yang wajib Primary Minimum Statutory Reserve is a minimum
dipelihara oleh Bank dalam bentuk saldo Rekening reserve that should be maintained by the Bank in
Giro pada Bank Indonesia. GWM Sekunder dan Current Accounts with Bank Indonesia. Secondary
Penyangga Likuiditas Makroprudensial (PLM) Minimum Statutory Reserve and Macroprudential
adalah cadangan minimum yang wajib dipelihara Liquidity Buffer are the minimum reserves that should
oleh Bank berupa Sertifikat Bank Indonesia (SBI), be maintained by the Bank which comprised of
Surat Utang Negara (SUN), dan/atau excess Certificates of Bank Indonesia (SBI), Government
reserve yang merupakan kelebihan saldo Rekening Debenture Debt (SUN), and/or excess reserve which
Giro Rupiah Bank dari GWM Primer, GWM LFR dan represent the excess reserve of the Bank’s Current
Rasio Intermediasi Makroprudensial (RIM). Accounts in Rupiah over the Primary Minimum
Statutory Reserve, Minimum Statutory Reserve on
LFR and Macroprudential Intermediation Ratio (RIM).
RIM adalah tambahan simpanan minimum yang RIM is the additional reserve that should be
wajib dipelihara oleh Bank dalam bentuk saldo maintained by the Bank in the form of Current
Rekening Giro pada Bank Indonesia, jika RIM Bank Accounts with Bank Indonesia, if the Bank’s RIM is
di bawah minimum RIM target Bank Indonesia below the minimum of RIM targeted by Bank
(84%) atau jika di atau maksimum RIM target BI Indonesia (84%) or if the Bank’s RIM is above the
(94%) dan Kewajiban Penyediaan Modal Minimum maximum of RIM targeted by BI (94%) and the Capital
(KPMM) Bank lebih kecil dari KPMM Insentif BI Adequacy Ratio (CAR) is below BI requirement of 14%.
sebesar 14%.
Giro Wajib Minimum (“GWM”) dalam mata uang As of December 31, 2025 and 2024, the minimum
Rupiah serta Dolar Amerika Serikat pada tanggal statutory reserves (“GWM”) in Rupiah and United
31 Desember 2025 dan 2024: States Dollar:
2025 2024
Rupiah Rupiah
GWM primer 9,99% 12,58% Primary GWM
GWM sekunder/ Secondary GWM/
Penyangga Likuiditas Macroprudential
Makroprudensial (PLM) 19,67% 19,39% Liquidity Buffer (PLM)
Dolar Amerika Serikat United States Dollar
GWM valuta asing 5,76% 5,48% Foreign currency GWM
b. Giro pada Bank Lain b. Current Accounts with other Banks
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh giro pada bank lain pada tanggal (POJK), all current accounts with other banks as of
31 Desember 2025 dan 2024 diklasifikasikan December 31, 2025 and 2024 were classified as
lancar. current.
c. Penempatan pada Bank Indonesia dan Bank Lain c. Placements with Bank Indonesia and Other Banks
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh penempatan pada Bank Indonesia (POJK), all placements with Bank Indonesia and other
dan bank lain pada tanggal 31 Desember 2025 banks as of December 31, 2025 and 2024 were
dan 2024 diklasifikasikan lancar. classified as current.
d. Efek-efek d. Securities
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh efek-efek pada tanggal (POJK), all securities as of December 31, 2025 and
31 Desember 2025 dan 2024 diklasifikasikan 2024 were classified as current.
lancar.
108
Page 480
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
DIPERSYARATKAN OLEH STANDAR AKUNTANSI INDONESIAN FINANCIAL ACCOUNTING STANDARDS
KEUANGAN INDONESIA (Lanjutan) (Continued)
e. Kredit yang diberikan e. Loans
Kredit yang direstrukturisasi pada tanggal Restructured loans as of December 31, 2025 and
31 Desember 2025 dan 2024 adalah sebagai 2024 are as follows:
berikut:
2025 2024
Cadangan Cadangan
kerugian kerugian
penurunan penurunan
nilai/ nilai/
Kredit yang Allowance for Kredit yang Allowance for
diberikan/ impairment diberikan/ impairment
Loans losses Loans losses
Kredit yang
direstrukturisasi: Restructured loans:
Dalam perhatian
khusus 9.465 (5) 126.176 (32.592) Special mention
Macet 25.915 (28.394) 35.748 (4.900) Loss
Jumlah kredit yang Total restructured
direstrukturisasi 35.380 (28.399) 161.924 (37.492) loans
Kredit yang diberikan pada tanggal The collectability of loans as of December 31, 2025
31 Desember 2025 dan 2024 berdasarkan and 2024 are as follows:
kolektabilitas:
2025 2024
Lancar 10.946.645 7.785.519 Current
Dalam perhatian khusus 86.720 42.235 Special mention
Macet 40.640 4.900 Loss
Jumlah 10.074.005 7.832.654 Total
Cadangan kerugian penurunan nilai (38.214) (37.891) Allowance for impairment losses
Jumlah - bersih 11.035.791 7.794.763 Total - net
Pada tanggal 31 Desember 2025 dan 2024, rasio As of December 31, 2025 and 2024, non-performing
non-performing loan (NPL) adalah sebagai berikut: loan (NPL) ratios are as follows:
2025 2024
NPL Bruto 0,37% 0,06% Gross NPL
NPL Neto 0,07% 0,00% Net NPL
109
Page 481
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
e. Kredit yang diberikan (Lanjutan) e. Loans (Continued)
Pada tanggal 31 Desember 2025 dan 2024, rasio As of December 31, 2025 and 2024, non-performing
(NPL) adalah sebagai berikut: loan (NPL) ratios are as follows:
- Memberikan Surat Pemberitahuan - Issuing Notice Letter regarding the late payment to
keterlambatan kewajiban untuk membayar ke the debtors.
debitur.
- Memberikan Surat Peringatan I, II dan surat - Issuing Warning Letter, I, II and final Warning
peringatan terakhir. Letter.
- Melakukan panggilan untuk melakukan - Making a call to make a formal appearance to the
pertemuan dengan debitur. debtors.
- Melakukan penagihan dengan mendatangi - Perform collection by visiting NPL debtors.
debitur kredit bermasalah.
- Melakukan musyawarah untuk debitur yang - Conducting deliberation to debtor who would sell
akan menjual aset jaminan atau aset yang lain the asset collateral or other assets outside
di luar jaminan. guarantee.
- Untuk debitur bermasalah yang masih punya - For the NPL debtors who still have sound business
prospek usaha, maka diajukan restrukturisasi prospect, then a loan restructuring will be
kredit. proposed.
- Bila langkah-langkah tersebut di atas belum - If the above steps have not resolved, the collateral
ada penyelesaian maka akan dilakukan will be foreclosed, then recognized as foreclosed
langkah pengambilalihan agunan, untuk assets.
kemudian dibukukan sebagai agunan yang
diambil alih.
- Bila debitur tidak dapat bekerja sama maka - If the debtor is not cooperative, then a legal
akan dilakukan proses hukum. process will be carried out.
f. Komitmen dan Kontinjensi f. Commitments and Contingencies
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh irrevocable letter of credit dan bank (POJK), all irrevocable letter of credit and bank
garansi pada tanggal 31 Desember 2025 dan guarantee as of December 31, 2025 and 2024 were
2024 diklasifikasikan lancar. classified as current.
g. Manajemen Risiko g. Risk Management
Risiko Mata Uang Currency Risk
PDN secara keseluruhan merupakan angka The overall PDN represents the sum of the absolute
penjumlahan dari nilai absolut untuk jumlah dari values of the net difference between assets and
selisih bersih aset dan liabilitas untuk setiap mata liabilities recorded on balance sheet for all foreign
uang asing dan selisih bersih tagihan dan liabilitas, currencies and the net difference between claims and
berupa komitmen dan kontinjensi di rekening liabilities, comprising both commitments and
administratif (transaksi rekening administratif) contingencies, recorded in off balance sheet accounts
untuk setiap mata uang asing, yang semuanya. for all foreign currencies.
Dinyatakan dalam Rupiah. Sedangkan PDN untuk All expressed in Rupiah. The PDN for on balance sheet
posisi keuangan, merupakan angka penjumlahan positions represents the net difference between total
dari selisih bersih aset dan liabilitas dalam posisi assets and total liabilities in foreign currencies
keuangan untuk setiap mata uang asing yang recorded on the statement of financial position, all
semuanya dinyatakan dalam Rupiah. expressed in Rupiah.
PDN Bank pada tanggal 31 Desember 2025 dan The Bank's PDN as of December 31, 2025 and 2024
2024 adalah sebagai berikut: is as follows:
110
Page 482
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Mata Uang (Lanjutan) Currency Risk (Continued)
2025
Aset/ Liabilitas/ Posisi Devisa Neto/
Assets Liabilities Net Open Position
Statement of
Laporan posisi keuangan financial position
Dolar Amerika Serikat 190.514 866.389 (675.875) United States Dollar
Dolar Singapura 7.188 7.081 107 Singapore Dollar
Euro 1.838 - 1.838 Euro
Dolar Australia 1.012 69 942 Australian Dollar
Yuan China 2.004 - 2.004 Chinese Yuan
Yen Jepang 2.089 93 1.997 Japanese Yen
Jumlah 204.646 873.632 (668.986) Total
Rekening administratif Administration transaction
Dolar Amerika Serikat 667.000 - 667.000 United States Dollar
Dolar Singapura - - - Singapore Dollar
Yen Jepang - - - Japanese Yen
Jumlah 667.000 - 15.762 Total
Total modal 6.787.048 Total equity
Rasio PDN (keseluruhan) 0.23% NOP Ratio (agregate)
2024
Aset/ Liabilitas/ Posisi Devisa Neto/
Assets Liabilities Net Open Position
Statement of
Laporan posisi keuangan financial position
Dolar Amerika Serikat 278.057 806.250 (528.193) United States Dollar
Dolar Singapura 1.931 136 1.795 Singapore Dollar
Euro 1.928 - 1.928 Euro
Dolar Australia 1.960 914 1.046 Australian Dollar
Yuan China 2.943 - 2.943 Chinese Yuan
Yen Jepang 3.126 145 2.981 Japanese Yen
Subjumlah 289.945 807.445 (517.500) Sub-total
Rekening administratif Administration transaction
Dolar Amerika Serikat 611.610 82.085 529.525 United States Dollar
Dolar Singapura 8.291 8.291 - Singapore Dollar
Yen Jepang 1.626 - 1.626 Japanese Yen
Subjumlah 621.527 90.376 531.151 Sub-total
Jumlah 911.472 897.821 13.651 Total
Jumlah modal 5.315.593 Total equity
Rasio PDN (keseluruhan) 0,26% NOP Ratio (agregate)
111
Page 483
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Operasional Operational Risk
Risiko operasional adalah risiko akibat Operational risk is the risk arising due to insufficient
ketidakcukupan dan/atau tidak berfungsinya and/or non-functioning of the internal process,
proses internal, kesalahan manusia, kegagalan human error, system failure, and/or the external
sistem, dan/atau adanya kejadian-kejadian events that affecting the Bank’s operation.
eksternal yang memengaruhi operasional Bank.
Pengelolaan risiko operasional ditujukan untuk Operational risk management is intended to improve
meningkatkan budaya sadar risiko dari setiap the culture of risk awareness in each individual on
individu dalam tiap unit kerja, meningkatkan every unit of work, improve internal control system,
sistem pengendalian internal, melakukan do improvement and repairment on the system and
penyempurnaan dan perbaikan terhadap sistem work process also to prepare the ability to manage
dan proses kerja serta mempersiapkan business continuity during an emergency situation
kemampuan untuk mengelola kelangsungan and therefore reduces the frequency and impact of a
usaha dalam kondisi darurat sehingga dapat loss.
menurunkan frekuensi dan dampak dari suatu
kerugian.
Risiko operasional dapat melekat pada setiap Operational risks are inherent in any functional
aktivitas fungsional Bank, seperti kegiatan activities of the Bank, such as lending activities
perkreditan (penyediaan dana), treasuri dan (provision of funds), treasury and investment,
investasi, operasional dan jasa, pembiayaan operations and services, trade financing, funding and
perdagangan, pendanaan dan instrumen utang, debt instruments, technology information systems
teknologi sistem informasi dan sistem informasi and management information systems, and human
manajemen, dan pengelolaan sumber daya resource management.
manusia.
Untuk meminimalkan risiko operasional di atas, To minimize operational risk above, the Bank needs
Bank mengelola risiko-risiko yang mungkin akan to manage the risks that are likely to arise with
timbul dengan cara mengantisipasi risiko-risiko anticipating those risks. The parameters used in
tersebut. Adapun parameter yang digunakan measuring the risk are total number of employees
dalam mengukur risiko-risiko yang mungkin akan who leave the Bank (employee turnover), significant
timbul yaitu jumlah karyawan yang keluar positions not yet filled-in organizational structure,
(employee turnover), posisi penting yang belum length of period of Core Banking System’s down time
terisi dalam struktur organisasi, jangka waktu (planned or unplanned) and number of unresolved
lamanya Core Banking System tidak berjalan items.
(system down time) (direncanakan maupun tidak
direncanakan) dan jumlah saldo-saldo yang belum
terselesaikan (gantungan).
Pengendalian risiko operasional tersebut juga The controls of operational risk are also undertaken
melalui Sistem Pengendalian Risiko antara lain through Risk Control System which includes active
pengawasan aktif Dewan Komisaris dan Direksi, control of the Board of Commissioners and Directors,
serta kesesuaian kebijakan dan prosedur serta suitability of the policies and procedures and
penetapan limit transaksi. determination of transaction limit.
Risiko kepatuhan adalah risiko yang disebabkan Compliance risk is the risk arising due to the
Bank tidak mematuhi atau tidak melaksanakan noncompliance by the Bank with prevailing
ketentuan Regulator dan ketentuan lain yang regulations of the Regulator and other laws.
berlaku.
112
Page 484
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Operasional (Lanjutan) Operational Risk (Continued)
Pada praktIknya risiko kepatuhan melekat pada Practice, compliance risks are inherent with the
risiko Bank yang terkait pada peraturan Bank’s risks in relation to prevailing laws and
perundang-undangan dan ketentuan lain yang regulations, such as to comply with Minimum Capital
berlaku, seperti terkait dengan ketentuan Requirement, Quality of Earning Assets, Provisions of
Kewajiban Pemenuhan Modal Minimum (KPMM), Allowance for Impairment Loss, Legal Lending Limit,
Kualitas Aset Produktif (KAP), Cadangan Kerugian market risks relating to requirement of Net Open
Penurunan Nilai (CKPN), Batas Maksimum Position, strategic risks relating to requirement of the
Pemberian Kredit (BMPK), risiko pasar terkait Bank’s Annual Budgeted Frameworks, Liquidity
dengan ketentuan Posisi Devisa Neto (PDN), risiko Coverage Ratio (LCR), Net Stable Funding Ratio
stratejik terkait dengan ketentuan Rencana Kerja (NSFR), Interest Rate Risk in Banking Book (IRRBB),
Anggaran Tahunan (RKAT) Bank, Liquidity and other risk that may arise relating to certain
Coverage Ratio (LCR), Net Stable Funding Ratio regulations.
(NSFR), Interest Rate Risk in Banking Book
(IRRBB), dan risiko lain yang terkait dengan
ketentuan tertentu.
Untuk meminimalkan risiko kepatuhan di atas, To minimize compliance risk above, the Bank needs
Bank mengelola risiko-risiko yang mungkin akan to manage risks that are likely to arise with
timbul dengan cara mengantisipasi risiko-risiko anticipating those risks. The parameters used in
tersebut. Adapun parameter yang digunakan measuring the risks which are likely to arise are LLL,
dalam mengukur risiko-risiko yang mungkin akan NPL, adequacy of allowance, PDN, CAR, adequacy of
timbul yaitu BMPK, NPL, kecukupan PPAP, PDN, Standard Operating Procedures (SOP) as well as the
KPMM, kecukupan Standard Operating Procedures things related to Human Resources (HR), including
(SOP) dan hal-hal yang menyangkut Sumber Daya remuneration and training that must be given to the
Manusia (SDM) termasuk remunerasi dan employees.
pelatihan yang harus diberikan kepada setiap
karyawan.
Pengendalian risiko kepatuhan tersebut juga The controls of compliance risk are also undertaken
melalui Sistem Pengendalian Risiko antara lain through the Risk Control System which includes active
pengawasan aktif Dewan Komisaris dan Direksi supervision of the Boards of Commissioners and
serta ketepatan kebijakan dan prosedur Bank. Board of Directors also the appropriateness of the
Bank’s policies and procedures.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain Reputation risk is the risk arising due to negative
disebabkan oleh adanya publikasi negatif yang publication of the Bank’s business or negative
terkait dengan kegiatan usaha Bank atau persepsi perception to the Bank.
negatif terhadap Bank.
Reputasi berkaitan erat dengan kepercayaan. Reputation is closely related with trust. Without
Tanpa reputasi, maka kepercayaan tidak akan ada reputation, there will be no trust since reputation is a
karena reputasi merupakan komponen yang crucial component in a banking industry. Reputation
sangat penting bagi usaha perbankan. Reputasi is one of the Bank’s precious assets, nonetheless it is
merupakan salah satu aset Bank yang terpenting, also the most difficult to guard. Reputation can be
namun justru paling sulit untuk dilindungi. Reputasi a competitive advantage, but also potential to be
bisa menjadi suatu keunggulan kompetitif, namun damaged due to development of media and
berpotensi untuk rusak terutama karena communication, more tightened regulations and
perkembangan media dan komunikasi, regulasi decrease in customers’ loyalty.
yang makin ketat, dan loyalitas nasabah yang
menurun.
Untuk mengidentifikasi risiko reputasi pada Bank, In identifying the Bank’s reputation risk, components
komponen atau kegiatan yang diukur meliputi or activities measured include credit, treasury and
kredit, treasuri dan investasi, operasional dan jasa, investment, operation and service, technology
teknologi sistem informasi dan sistem informasi information system and management information
manajemen (MIS), dan sumber daya manusia. system (MIS), and human resources.
113
Page 485
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Reputasi (Lanjutan) Reputation Risk (Continued)
Pengendalian risiko reputasi tersebut juga The controls of reputation risk management are also
melalui Sistem Pengendalian Risiko antara lain undertaken through the Risk Control System which
pengawasan aktif Dewan Komisaris dan Dewan including active control of Boards of Commissioners
Direksi serta kecukupan kebijakan dan prosedur and Board of Directors and adequacy of the Bank’s
Bank. policies and procedures.
Risiko Strategis Strategic Risk
Risiko strategis adalah risiko akibat ketidaktepatan Strategic risk is the risk arising due to inaccuracies in
dalam pengambilan dan/atau pelaksanaan suatu the making and/or in the implementation of the
keputusan stratejik serta kegagalan dalam strategic decision and failure in anticipating the
mengantisipasi perubahan lingkungan bisnis. changes in the business environment. Strategic risk
Risiko strategis dapat bersumber antara lain dari can be derived from the weakness in the strategy
kelemahan dalam proses formulasi strategi dan formulation and inadequate Management
ketidaktepatan dalam perumusan strategi, Sistem Information Systems, inadequate results of the
Informasi Manajemen yang kurang memadai, hasil analysis of the internal and external environment,
Analisa lingkungan internal dan eksternal yang aggressive strategic goal setting, inaccuracy in the
kurang memadai, penetapan tujuan strategis yang implementation of the strategy, and the failure in
terlalu agresif, ketidaktepatan dalam implementasi anticipating the changes in the business
strategi, dan kegagalan mengantisipasi perubahan environment.
lingkungan bisnis.
Untuk meminimalkan risiko strategis di atas, Bank To minimize strategic risk above, the Bank needs to
mengelola risiko-risiko yang mungkin akan timbul manage the risks which are likely to arise with
dengan cara mengantisipasi risiko-risiko tersebut. anticipating those risks. The parameters used in
Adapun parameter yang digunakan dalam measuring the risks which are likely to arise are the
mengukur risiko-risiko yang mungkin akan timbul Realization of Loans, Realization of Third Party Funds,
yaitu Realisasi Kredit, Realisasi Dana Pihak Ketiga, Realization of Profit and Actual Asset Achievement
Realisasi Pencapaian Laba dan Realisasi compared to Bank Business Plan.
Pencapaian Aset dibandingkan dengan Rencana
Bisnis Bank.
Pengendalian risiko strategis tersebut juga The controls of strategic risk are also undertaken
melalui Sistem Pengendalian Risiko antara lain through the Risk Control System which includes active
Pengawasan Aktif Dewan Komisaris dan Dewan Board of Commissioners and Board of Directors and
Direksi serta kecukupan kebijakan dan prosedur the adequacy of the Bank’s policies and procedures.
bank.
114
Page 486
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Hukum Legal Risk
Risiko hukum adalah risiko akibat tuntutan hukum Legal risk is the risk arising due to lawsuits and/or
dan/atau kelemahan aspek yuridis. weaknesses in juridical aspects.
Risiko hukum dapat bersumber antara lain dari Legal risk can be derived by the weakness in juridical
kelemahan aspek yuridis yang disebabkan oleh aspects caused by the lack of engagement
lemahnya perikatan yang dilakukan oleh Bank, undertaken by the Bank, the absence and/or changes
ketiadaan dan/atau perubahan peraturan in the laws and regulations that lead to a transactions
perundang-undangan yang menyebabkan suatu that has been conducted by the Bank were not in
transaksi yang telah dilakukan Bank menjadi tidak accordance with the regulation, and the litigation
sesuai dengan ketentuan yang akan ada, dan process both arising from the lawsuit of third-party
proses litigasi baik yang timbul dari gugatan pihak against Bank and the Bank against the third-party.
ketiga terhadap Bank maupun Bank terhadap
pihak ketiga.
Bank mengidentifikasi dan mengukur risiko hukum The Bank identifies and measures its legal risk in its
pada aktivitas yang ada di Bank, meliputi: activities such as: credit, treasury and investment,
perkreditan, treasuri dan investasi, operasional operations and trade finance services, information
dan jasa pembiayaan perdagangan, teknologi technology systems and MIS, and human resource
sistem informasi dan MIS, dan pengelolaan sumber management as well as the components or activities
daya manusia yang meliputi komponen-komponen on the frequency of external and internal lawsuits,
atau kegiatan-kegiatan tentang frekuensi tuntutan appropriateness of third-party agreements and the
hukum dari pihak eksternal dan internal, completeness of the binding collateral.
kesesuaian perjanjian dengan pihak ketiga dan
kelengkapan pengikatan agunan.
Pengendalian risiko hukum dilaksanakan melalui The controls of legal risk are also undertaken through
Sistem Pengendalian Risiko antara lain the Risk Control System which includes active
pengawasan aktif Dewan Komisaris dan Dewan monitoring of Boards of Commissioners and Board of
Direksi serta kesesuaian terhadap kebijakan dan Directors and adequacy of the Bank’s policies and
prosedur serta penetapan limit. procedures and the determination of limit.
h. Manajemen Risiko Permodalan g. Capital Risk Management
Bank memelihara modal yang dikelola untuk The Bank maintains its managed capital base to cover
mengatasi risiko yang melekat dalam bisnis inherent risks in the banking business. The adequacy
perbankan. Kecukupan modal Bank dipantau of the Bank’s capital is monitored using a Capital
menggunakan rasio Kewajiban Penyediaan Modal Adequacy Ratio (CAR), as required by Bank Indonesia.
Minimum (KPMM) sebagaimana disyaratkan oleh
Bank Indonesia.
Pengelolaan modal Bank berfokus pada kepatuhan The Bank’s capital management focuses on
terhadap jumlah modal minimum yang disyaratkan compliance with the minimum required capital and
dan pemeliharaan rasio KPMM yang memadai maintenance of an adequate CAR to finance and
untuk membiayai dan menopang operasi dan sustain its day-to-day operations and to maximize
untuk memaksimalkan nilai kepemilikan ownership value. The Bank may change its capital
pemegang saham. Bank dapat mengubah struktur structure based on changes of economic conditions
modal apabila terjadi perubahan kondisi ekonomi and risk characteristics of business. One of the capital
dan karakteristik risiko bisnis. Salah satu strategi management strategies is issuance of capital stock.
dalam manajemen modal adalah penerbitan Capital management is performed by the Bank’s
saham. Pengelolaan modal dilakukan oleh Dewan Board of Directors and Board of Commissioners.
Direksi dan Dewan Komisaris Bank.
Sejak tanggal 2 Februari 2016, Bank menghitung Since February 2, 2016, the Bank calculates
kebutuhan modal berdasarkan Peraturan Otoritas its capital requirements in accordance with
Jasa Keuangan (POJK) No. 11/POJK.03/2016 dan Financial Services Authority Regulation (POJK)
No. 34/POJK.03/2016 di mana modal yang No. 11/POJK.03/2016 and No. 34/POJK.03/2016
diwajibkan regulator dianalisis dalam dua tier where the regulatory capital is analyzed into two tiers
sebagai berikut: as follows:
115
Page 487
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
h. Manajemen Risiko Permodalan (Lanjutan) g. Capital Risk Management (Continued)
- Modal inti (tier 1), yang terdiri dari modal inti - Core capital (tier 1), which consists of core and
utama dan modal inti tambahan (AT-1). Modal additional core capital (AT-1). Core capital includes
inti utama terdiri dari modal diterbitkan dan issued and fully paid-up capital and disclosed
disetor penuh dan cadangan tambahan modal. reserves. Disclosed reserves consist of the addition
Cadangan tambahan modal terdiri dari faktor factors such as additional paidin capital, statutory
penambah yang terdiri dari agio saham biasa, reserve, capital advance, prior year profits, profit for
cadangan umum, dana setoran modal, laba the year and other comprehensive income deriving
tahun-tahun lalu, laba tahun berjalan, serta from gain from financial statements translation,
penghasilan komprehensif lain berupa selisih potential gain from the changes in fair value of
lebih penjabaran laporan keuangan, potensi financial assets classified as available-for-sale and
keuntungan yang berasal dari peningkatan nilai surplus from revaluation of fixed assets. Disclosed
wajar aset keuangan dalam kelompok tersedia reserves also consist of deduction factors such as
untuk dijual dan saldo surplus revaluasi aset losses from financial statements translation,
tetap. Cadangan tambahan modal juga terdiri potential losses from the changes in fair value of
dari faktor pengurang yang terdiri dari selisih financial assets classified as available-for-sale,
kurang penjabaran laporan keuangan, potensi shortfall between allowance for losses on
kerugian yang berasal dari penurunan nilai productive assets (PPA) and allowance for
wajar aset keuangan dalam kelompok tersedia impairment losses on productive assets (CKPN),
untuk dijual, selisih kurang antara Penyisihan and shortfall between amount adjusted to the
Penghapusan Aset (PPA) atas aset produktif valuation result of financial instruments in Trading
dan Cadangan Kerugian Penurunan Nilai Book and amount adjusted based on the financial
(CKPN) atas aset produktif, serta selisih kurang accounting standards.
antara jumlah penyesuaian terhadap valuasi
dari instrumen keuangan dalam Trading Book
dan jumlah penyesuaian berdasarkan standar
akuntansi keuangan.
- Modal inti utama harus diperhitungkan dengan - Core capital must be calculated with deduction
faktor pengurang berupa: aset pajak factors: deferred tax assets, goodwill, other
tangguhan, goodwill, aset takberwujud lainnya, intangible assets, losses from remeasurement
kerugian atas pengukuran kembali program of defined benefit pension program, asset
pensiun manfaat pasti, eksposur sekuritisasi securitization exposures and investment in shares.
aset dan penyertaan saham. - Additional core capital includes among others:
- Modal inti tambahan dapat berbentuk antara non-cumulative preference shares, subordinated
lain: saham preferen, surat berharga securities and subordinated debts net of buyback
subordinasi dan pinjaman subordinasi, di mana portion.
ketiganya bersifat nonkumulatif setelah
dikurangi pembelian kembali.
- Modal pelengkap (tier 2) antara lain meliputi - Supplementary capital (tier 2) includes
surat berharga subordinasi dan pinjaman subordinated securities and subordinated debts
subordinasi serta cadangan umum (PPA) atas and general allowance for uncollectible account on
aset produktif sesuai ketentuan OJK. productive assets according to OJK requirements.
Bank tidak mempunyai instrumen modal inti The Bank does not have any additional core capital
tambahan yang memenuhi kriteria peraturan OJK instruments which meets the criteria under prevailing
yang berlaku. OJK regulation.
Beberapa batasan berlaku untuk bagian-bagian Various limits have been set to the elements of
modal yang diwajibkan oleh regulator, antara lain regulatory capital, such as banks are required to
bank wajib menyediakan modal inti utama provide Common Equity tier 1 at a minimum of 4.5%
(Common Equity tier 1) paling rendah sebesar 4,5% from Risk Weighted Assets and core capital (tier 1) at
dari ATMR dan modal inti (tier 1) paling rendah a minimum of 6% from ATMR.
sebesar 6% dari ATMR.
116
Page 488
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
h. Manajemen Risiko Permodalan (Lanjutan) g. Capital Risk Management (Continued)
Batasan-batasan yang berlaku untuk bagian- Certain limits are applied to the elements of
bagian modal yang diwajibkan oleh regulator, regulatory capital, such as the effect of deferred
antara lain pengaruh dari pajak tangguhan yang taxation that has to be excluded in determining the
harus dikeluarkan dalam menentukan jumlah amount of retained earnings for tier 1 capital; and
saldo laba untuk modal tier 1; dan modal tier 2 qualifying tier 2 capital cannot exceed tier 1 capital.
tidak boleh melebihi modal tier 1. Juga terdapat There is also a restriction on the amount of collective
batasan jumlah penyisihan kerugian penurunan impairment allowances that could be included as part
nilai yang diperkenankan untuk diperhitungkan of tier 2 capital.
sebagai bagian dari modal tier 2.
Aset Tertimbang Menurut Risiko (ATMR) dihitung The Risk Weighted Assets (RWA) are determined in
berdasarkan persyaratan yang telah ditentukan accordance with specified requirements that reflect
yang mencerminkan berbagai tingkatan risiko yang various levels of risk attached to assets and
melekat pada aset dan eksposur yang tidak exposures not reflected in the statement of financial
tercermin dalam laporan posisi keuangan. position. Based on OJK regulation, the Bank needs to
Berdasarkan peraturan OJK, Bank diharuskan take into consideration its credit risk, market risk and
untuk mempertimbangkan risiko kredit, risiko operational risk in measuring the RWA.
pasar dan risiko operasional dalam mengukur
ATMR.
Kebijakan Bank adalah memelihara tingkat The Bank’s policy is to maintain a strong capital base
permodalan yang kuat untuk menjaga kepercayaan in order to maintain investor, creditor and market
investor, kreditur dan pasar, dan untuk mendukung confidence, and to sustain future development of the
perkembangan usaha di masa depan. Pengaruh business. The impact of the level of capital on
tingkat permodalan terhadap tingkat shareholders return is also considered and the Bank
pengembalian ke pemegang saham juga also recognizes the need to maintain a balance
diperhitungkan dan Bank berupaya untuk menjaga between higher returns, that might be possible with
keseimbangan antara tingkat pengembalian yang greater gearing, and the advantages and security
tinggi, yang dimungkinkan dengan gearing yang level afforded by a strong capital position.
lebih besar, serta keuntungan-keuntungan dan
tingkat keamanan yang diperoleh dari posisi
permodalan yang kuat.
Manajemen menggunakan rasio permodalan yang Management uses regulatory capital ratio in order to
diwajibkan regulator untuk memantau permodalan monitor Bank’s capital base. OJK’s approach to such
Bank. Pendekatan OJK untuk pengukuran ini measurement is primarily based on monitoring the
terutama didasarkan pada pemantauan hubungan relationship between the Bank’s risk profile and the
antara profil risiko Bank dengan ketersediaan available capital. The Bank is required to provide
modal. Bank wajib menyediakan modal minimum minimum capital based on its risk profile.
sesuai profil risikonya.
Penyediaan modal minimum sebagaimana Specific valuation techniques used to determine the
dimaksud ditetapkan sebagai berikut: financial instruments value include of:
8% dari ATMR untuk bank dengan profil risiko 8% of RWA for bank with risk rating 1.
peringkat 1.
9% sampai dengan kurang dari 10% dari ATMR 9% up to less than 10% of RWA for bank with risk
untuk bank dengan profil risiko peringkat 2. rating 2.
10% sampai dengan kurang dari 11% dari ATMR 10% up to less than 11% of RWA for bank with risk
untuk bank dengan profil risiko peringkat 3. rating 3.
11% sampai dengan 14% dari ATMR untuk bank 11% up to 14% of RWA for bank with risk rating 4.
dengan profil risiko peringkat 4.
Pada tanggal 31 Desember 2025, modal inti As of December 31, 2025, the Bank’s core capital
Bank adalah sebesar Rp6.630.857.000.000 (nilai amounting to Rp6,630,857,000,000 (full amount).
penuh).
117
Page 489
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
h. Manajemen Risiko Permodalan (Lanjutan) g. Capital Risk Management (Continued)
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK) No. 6/POJK.03/2016 tentang Kegiatan (POJK) No. 6/POJK.03/2016 on Business Operations
Usaha dan Jaringan Kantor Berdasarkan Modal Inti and Office Network Based on Core Capital Bank,
Bank, Bank Umum Kegiatan Usaha (BUKU) 2 Business Activities Conventional Commercial Banks
dengan modal inti paling sedikit sebesar (BUKU) 2 with core capital up at least of
Rp1.000.000.000.000 (nilai penuh) sampai Rp1,000,000,000,000 (full amount) to less than
dengan kurang dari Rp5.000.000.000.000 (nilai Rp5,000,000,000,000 (full amount) only can do:
penuh) hanya dapat melakukan:
1. Kegiatan Usaha dalam Rupiah dan valuta 1. Business Activity in Rupiah and foreign currency
asing yang meliputi: which includes:
a. Kegiatan penghimpunan dana yang a. Fundraising activities which are basic
merupakan produk atau aktivitas dasar; products or activities;
b. Kegiatan penyaluran dana yang b. Fund distribution activities which are basic
merupakan produk atau aktivitas dasar products or activities with a wider scope;
dengan cakupan yang lebih luas;
c. Kegiatan pembiayaan perdagangan c. Trade finance activities;
(trade finance);
d. Kegiatan dengan cakupan yang lebih d. Activities with a wider scope for agencies
luas untuk keagenan dan kerjasama; and cooperation;
e. Kegiatan system pembayaran dan e. Payment system and electronic banking
electronic banking dengan cakupan activities with a wider scope;
yang lebih luas; f. Limited treasury activities; and other
f. Kegiatan treasuri secara terbatas; dan services.
jasa lainnya.
2. Kegiatan penyertaan modal pada lembaga 2. Equity participation activities in financial
keuangan di Indonesia; institutions in Indonesia;
3. Kegiatan penyertaan modal sementara dalam 3. Temporary capital investment activities in the
rangka penyelamatan kredit; dan context of savings credit; and
4. Kegiatan lain yang lazim dilakukan oleh Bank 4. Other activities commonly performed by the
sepanjang tidak bertentangan dengan Bank as long as not contrary to the statutory
peraturan perundang-undangan. regulations.
Perhitungan rasio KPMM pada tanggal The calculation of CAR as of December 31, 2025 and
31 Desember 2025 dan 2024, adalah sebagai 2024, are as follows:
berikut:
2025 2024
Modal inti 6.634.017 6.559.953 Core capital
Modal perlengkapan 153.031 113.659 Supplementary capital
Jumlah modal 6.787.048 6.673.612 Total equities
Aset tertimbang Risk weighted
menurut risiko assets
Risiko kredit 16.812.371 15.460.142 Credit risk
Risiko operasional 629.356 701.679 Operating risk
Risiko pasar 973.514 490.085 Market risk
Risiko kewajiban
penyediaan modal
minimum Total
Risiko kredit dan
operasional 38,16% 41,29% Credit risk and operational risk
Risiko kredit, risiko
operasional dan Risiko Credit risk, operational risk
pasar 36,86% 40,08% and market risk
118
Page 490
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
40. INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 40. ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
h. Manajemen Risiko Permodalan (Lanjutan) g. Capital Risk Management (Continued)
Jumlah kewajiban penyediaan modal minimum Minimum capital adequacy ratio (CAR) required by
(KPMM) yang diwajibkan oleh Bank Indonesia Bank Indonesia is 8% of Risk Weighted Assets (RWA).
adalah sebesar 8% dari Aset Tertimbang Menurut
Risiko (ATMR).
41. INFORMASI LAINNYA 41. OTHER INFORMATION
a. Rasio aset produktif bermasalah terhadap jumlah a. The ratio of non-performing productive assets to
aset produktif pada tanggal 31 Desember 2025 total productive assets as of December 31, 2025
dan 2024 masing-masing adalah sebesar 0,06% and 2024 are 0,06% and 0,03%, respectively.
dan 0,03%.
b. Rasio loan to deposit (LDR) pada tanggal b. The ratio of loans to deposit (LDR) as of
31 Desember 2025 dan 2024 masing-masing December 31, 2025 and 2024 are 60.46% and
sebesar 60,46% dan 62,30%. 62.00%, respectively.
c. Return on Assets (ROA) untuk tahun yang berakhir c. Return on Assets (ROA) for the years ended
pada tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 are 0.68% and
masing-masing adalah sebesar 0,68% dan 0,72%. 0.72%, respectively.
d. Return on Equity (ROE) untuk tahun yang berakhir d. Return on Equity (ROE) for the years ended
pada tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 are 1.92% and
masing-masing adalah sebesar 1,92% dan 2,75%. 2.75% respectively.
e. Rasio Net Interest Margin (NIM) untuk tahun yang e. Net Interest Margin (NIM) for the years ended
berakhir pada tanggal 31 Desember 2025 dan December 31, 2025 and 2024 are 3.55% and
2024 masing-masing adalah sebesar 3,55% dan 0.66% respectively.
0,66%.
f. Rasio biaya operasional terdapat pendapatan f. The ratio of operating ratio to operating income
operasional (BOPO) untuk tahun yang berakhir (BOPO) for the years ended December 31, 2025 and
pada tanggal 31 Desember 2025 dan 2024 2024 are 96.69% and 97.13% respectively.
masing-masing adalah sebesar 97,69% dan
97,13%.
g. Cost to Income Ratio (CIR) untuk tahun yang g. Cost to Income Ratio (CIR) for the years ended
berakhir pada tanggal 31 Desember 2025 dan December 31, 2025 and 2024 are 86,13% and
2024 masing-masing adalah sebesar 86,13% dan 82,39% respectively.
82,39%.
h. Jaminan Pemerintah terhadap kewajiban h. Government guarantee on obligations of
pembayaran Bank Umum Berdasarkan Undang- Commercial Banks Based on Law No. 24 concerning
Undang No. 24 tentang Lembaga Penjaminan the Indonesia Deposit Insurance Agency (LPS) dated
Simpanan (LPS) tanggal 22 September 2004, September 22, 2004, effective on September 22,
efektif sejak tanggal 22 September 2005, 2005, which was amended by Law No. 7 Year 2009
sebagaimana diubah dengan Undang-Undang dated January 13, 2009 regarding the
No. 7 Tahun 2009 tanggal 13 Januari 2009 Determination of Government Regulation as
tentang Penetapan Peraturan Pemerintah Substitution of Law No. 3 Year 2008, LPS was
Pengganti Undang-Undang No. 3 Tahun 2008, formed to guarantee certain liabilities of commercial
LPS dibentuk untuk menjamin liabilitas tertentu banks under the applicable guarantee program,
bank-bank umum berdasarkan program which the amount of guarantee can be adjusted if
penjaminan yang berlaku, yang besaran nilai meet certain criteria.
jaminannya dapat berubah jika memenuhi kriteria
tertentu.
119
Page 491
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
41. INFORMASI LAINNYA (Lanjutan) 41. OTHER INFORMATION (Continued)
i. Berdasarkan Peraturan Pemerintah Republik i. In accordance with Indonesia Government
Indonesia No. 66 Tahun 2008 tanggal 13 Oktober Regulation No. 66 Year 2008 dated October 13,
2008, menyatakan bahwa besaran nilai simpanan 2008, the Deposit Insurance Agency (LPS) will
yang dijamin Lembaga Penjamin Simpanan (LPS) guarantee deposits of each customer in one
untuk setiap nasabah pada satu bank sebesar bank for maximum of Rp2,000,000,000 (full
maksimal Rp2.000.000.000 (nilai penuh). amount).
j. Sesuai UU No. 24 Tahun 2004 tentang Lembaga j. In accordance with Law No. 24 of 2004 concerning
Penjamin Simpanan yang diubah terakhir kali the Deposit Insurance Corporation,
dengan UU No. 4 Tahun 2023 tentang as last amended by Law No. 4 of 2023 concerning
Pengembangan dan Penguatan Sektor Keuangan, the Development and Strengthening of the Financial
dan Peraturan LPS (PLPS) No. 1 Tahun 2023 Sector, and LPS Regulation (PLPS)
tentang Program Penjamin Simpanan, tingkat No. 1 of 2023 concerning the Deposit Insurance
bunga penjaminan periode 1 Oktober 2025 Program, the interest rate guarantee period October
sampai dengan 31 Januari 2026 untuk simpanan 1, 2025 up to January 31, 2026 for deposits in
di Bank Umum adalah 3,50% untuk mata uang Commercial Banks is 3.50% for Rupiah and 2.00%
Rupiah dan 2,00% untuk mata uang asing. for foreign currency.
k. Jaminan Pemerintah terhadap Liabilitas k. Government Guarantee on Liabilities of Banks
Pembayaran Bank Umum
Jaminan Pemerintah terhadap kewajiban Government guarantee on obligations of Commercial
pembayaran Bank Umum Berdasarkan Undang- Banks Based on Law No. 24 concerning the
Undang No. 24 tentang Lembaga Penjaminan Indonesia Deposit Insurance Agency (LPS) dated
Simpanan (LPS) tanggal 22 September 2004, September 22, 2004, effective on
efektif sejak tanggal 22 September 2005, September 22, 2005, which was amended by Law
sebagaimana diubah dengan Undang-Undang No. 7 Year 2009 dated January 13, 2009 regarding
No. 7 Tahun 2009 tanggal 13 Januari 2009 the Determination of Government Regulation as
tentang Penetapan Peraturan Pemerintah Substitution of Law No. 3 Year 2008, LPS was
Pengganti Undang-Undang No. 3 Tahun 2008, LPS formed to guarantee certain liabilities of commercial
dibentuk untuk menjamin liabilitas tertentu bank- banks under the applicable guarantee program,
bank umum berdasarkan program penjaminan which the amount of guarantee can be adjusted if
yang berlaku, yang besaran nilai jaminannya dapat meet certain criteria.
berubah jika memenuhi kriteria tertentu.
Berdasarkan Peraturan Pemerintah Republik In accordance with Indonesia Government
Indonesia No. 66 Tahun 2008 tanggal Regulation No. 66 Year 2008 dated
13 Oktober 2008, menyatakan bahwa besaran October 13, 2008, the Deposit Insurance Agency
nilai simpanan yang dijamin Lembaga Penjamin (LPS) will guarantee deposits of each customer in
Simpanan (LPS) untuk setiap nasabah pada satu one bank for maximum of Rp2,000,000,000 (full
bank sebesar maksimal Rp2.000.000.000 (nilai amount).
penuh).
42. PERJANJIAN SIGNIFIKAN 41. SIGNIFICANT AGREEMENTS
a. Bank mengadakan perjanjian dengan PT Artajasa a. The Bank entered into an agreement with
Pembayaran Elektronis (“Artajasa”), pihak ketiga PT Artajasa Pembayaran Elektronis (‘Artajasa’), a
sehubungan dengan pemanfaatan jaringan “ATM third party in relation to the utilization of the ‘ATM
BERSAMA” yang dikelola oleh Artajasa. Bank BERSAMA’ network managed by Artajasa. The
menjadi Associate Member, salah satu klasifikasi Bank becomes an Associate Member, one of the
keanggotaan pada jaringan “ATM BERSAMA”, yang membership classifications in the ‘ATM BERSAMA’
merupakan klasifikasi untuk anggota jaringan ATM. network, which is a classification for ATM network
Bank akan dikenakan biaya keanggotaan dan biaya members. The Bank will be charged with
lainnya termasuk biaya untuk setiap transaksi yang membership fee and other fees including fees for
dilakukan oleh nasabah Bank pada jaringan “ATM each transaction conducted by the Bank's
BERSAMA” yang besarnya telah ditentukan dalam customers on the ‘ATM BERSAMA’ network, the
perjanjian amount of which has been determined in the
agreement.
120
Page 492
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK CAPITAL INDONESIA Tbk PT BANK CAPITAL INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
42. PERJANJIAN SIGNIFIKAN (Lanjutan) 41. SIGNIFICANT AGREEMENTS (Continued)
b. Bank mengadakan beberapa perjanjian sewa b. The Bank entered into several agreement with third
dengan pihak ketiga atas bangunan dan ruang parties for building and office space lease for
kantor untuk kegiatan usaha berkaitan dengan operational activities due to the increasing number
bertambahnya jumlah kantor cabang bank. Sampai of the Bank’s branches. As of reporting date, these
dengan tanggal laporan keuangan, perjanjian ini agreements are still valid.
masih berlaku.
c. Bank mengadakan perjanjian dengan PT Fortress c. The Bank entered into agreement with PT Fortress
Data Service sehubungan dengan pembelian lisensi Data Service regarding the purchase of software
perangkat lunak dengan jangka waktu 10 tahun license with term of license 10 years valid from
berlaku sejak 6 Maret 2018. March 6, 2018.
121
Page 493
Tabel 1.a Pengungkapan Kuantitatif Struktur Permodalan Bank Umum
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
Komponen Modal
Bank Konsolidasi Bank Konsolidasi
I. Modal Inti (Tier 1) 6.634.017 - 6.559.953 -
1. Modal Inti Utama (CET 1) 6.634.017 - 6.559.953 -
Modal Disetor (Setelah Dikurangi
1.1 1.995.302 - 1.995.302 -
Saham Treasuri)
1.2 Cadangan Tambahan Modal 1) 4.651.322 - 4.586.638 -
Kepentingan Non Pengendali
1.3 - - -
yang Dapat Diperhitungkan
Faktor Pengurang Modal Inti
1.4 12.607 - 21.988 -
Utama 1)
2. Modal Inti Tambahan (AT-1) 1) - -
II. Modal Pelengkap (Tier 2) 153.031 - 113.659 -
Total Modal 6.787.048 - 6.673.612 -
Aset Tertimbang Menurut Risiko -
ATMR Risiko Kredit 3) 16.812.371 - 15.460.142 -
ATMR Risiko Pasar 973.514 - 490.085 -
ATMR Risiko Operasional 629.356 - 701.679 -
Total ATMR 18.415.242 - 16.651.906 -
Rasio KPMM Sesuai Profil Risiko
Rasio KPMM
Rasio CET 1 36,02% - 39,39% -
Rasio Tier 1 36,02% - 39,39% -
Rasio Tier 2 0,83% - 0,68% -
Rasio Total 36,86% - 40,08% -
2025 Annual Report | PT Bank Capital Indonesia Tbk 491
Page 494
Posisi 31 Desember 2024
Kategori Portofolio Jakarta Sumatra Lainnya Jawa Kalimantan Total
Tagihan kepada Pemerintah - - - - - -
Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Perusahaan Efek Jangka Pendek 669.488 669.488
Eksposur Sekuritisasi - - - - - -
Tagihan Kepada Bank - - - - - -
Kredit Beragun Rumah Tinggal - - - - - -
Kredit Beragun Properti Komersial - - - - - -
Kredit Pegawai atau Pensiunan 43.021 238.112 581.369 160.007 12.254 1.034.763
Tagihan kepada Usaha Mikro, Kecil, dan Portofolio
4.986 - - 4.605 - 9.591
Ritel
Tagihan kepada Korporasi 1.197.023 10.534 9.342 4.864.023 - 6.080.921
Tagihan Yang Telah Jatuh Tempo - - - - - -
Aset Lainnya - - - - - -
Total 1.914.518 248.646 590.711 5.028.635 12.254 7.794.763
Posisi 31 Desember 2025
Kategori Portofolio Jakarta Sumatra Lainnya Jawa Kalimantan Total
Tagihan kepada Pemerintah - - - - - -
Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Perusahaan Efek Jangka Pendek 807.400 807.400
Eksposur Sekuritisasi -
Tagihan kepada Bank -
Kredit Beragun Rumah Tinggal -
Kredit Beragun Properti Komersial -
Kredit Pegawai atau Pensiunan 148.812 671.895 2.670.837 729.737 163.966 4.385.247
Tagihan kepada Usaha Mikro, Kecil, dan Portofolio
3.663 2.720 6.383
Ritel
Tagihan kepada Korporasi 1.195.623 2.000 3.500 4.633.212 5.834.335
Tagihan Yang Telah Jatuh Tempo 40.639 40.639
Aset Lainnya -
Total 2.155.498 673.895 2.674.337 5.406.308 163.966 11.074.004
492 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 495
Tabel 1.1 Pengungkapan Tagihan Bersih berdasarkan Wilayah - Surat Berharga
(dalam jutaan Rupiah)
Posisi 31 Desember 2025
No. Kategori Portofolio Tagihan Bersih berdasarkan Wilayah
DKI Jawa Sumatra Kalimantan Lainnya Total
(1) (2) (3) (4) (5) (6) (7) (8)
1. Tagihan kepada Pemerintah 3.477.021 - - - - -
2. Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan
3. - - - - - -
Multilateral dan Lembaga
4. Tagihan kepada Bank Jangka Pendek - - - - - -
5. Kredit Beragun Rumah Tinggal - - - - - -
6. Kredit Beragun Properti Komersial - - - - - -
7. Kredit Pegawai/Koperasi - - - - - -
Tagihan kepada Usaha Mikro, Usaha
8. - - - - - -
Kecil, dan Portofolio Ritel
9. Tagihan kepada Korporasi 2.574.425 - - - - -
10. Tagihan yang Telah Jatuh Tempo - - - - - -
11. Aset Lainnya - - - - - -
12. Eksposur Sekuritisasi - - - - - -
Tagihan kepada Perusahaan Efek dan
13. Lembaga Jasa Keuangan Lainnya - 468.568 - - - - -
Jangka Pendek
Tagihan kepada Perusahaan Efek dan
14. Lembaga Jasa Keuangan Lainnya - 256.661 - - - - -
Jangka Panjang
Total 6.776.675 - - - - 6.776.675
2025 Annual Report | PT Bank Capital Indonesia Tbk 493
Page 496
(dalam jutaan Rupiah)
Posisi 31 Desember 2024
No. Kategori Portofolio Tagihan Bersih berdasarkan Wilayah
DKI Jawa Sumatra Kalimantan Lainnya Total
(1) (2) (3) (4) (5) (6) (7) (8)
1. Tagihan kepada Pemerintah 2.609.106 - - - - 2.609.106
2. Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan
3. - - - - - -
Multilateral dan Lembaga
4. Tagihan kepada Bank Jangka Pendek - - - - - -
5. Kredit Beragun Rumah Tinggal - - - - - -
6. Kredit Beragun Properti Komersial - - - - - -
7. Kredit Pegawai/Koperasi - - - - - -
Tagihan kepada Usaha Mikro, Usaha
8. - - - - - -
Kecil, dan Portofolio Ritel
9. Tagihan kepada Korporasi 2.047.582 - - - - 2.047.582
10. Tagihan yang Telah Jatuh Tempo - - - - - -
11. Aset Lainnya - - - - - -
12. Eksposur Sekuritisasi - - - - - -
Tagihan kepada Perusahaan Efek dan
13. Lembaga Jasa Keuangan Lainnya - 411.008 - - - - 411.008
Jangka Pendek
Tagihan kepada Perusahaan Efek dan
14. Lembaga Jasa Keuangan Lainnya - 715.957 - - - - 715.957
Jangka Panjang
Total 5.783.653 - - - - 5.783.653
494 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 497
31 Desember 2024
>1 Tahun >3 Tahun Non-
Kategori Portofolio <1 Tahun >5 Tahun Total
s.d 3 Tahun s.d 5 Tahun Kontraktual
Tagihan kepada Pemerintah - - - - - -
Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Perusahaan Efek Jangka
669.488 - - - - 669.488
Pendek
Eksposur Sekuritisasi - - - - - -
Tagihan kepada Bank - - - - - -
Kredit Beragun Rumah Tinggal - - - - - -
Kredit Beragun Properti Komersial - - - - - -
Kredit Pegawai atau Pensiunan 3 1.080 2.878 1.030.801 - 1.034.763
Tagihan kepada Usaha Mikro, Kecil, dan
5.630 1.630 - 2.330 - 9.591
Portofolio Ritel
Tagihan kepada Korporasi 1.271.684 314.785 95.085 4.399.367 - 6.080.921
Tagihan Yang Telah Jatuh Tempo - - - - - -
Aset Lainnya - - - - - -
Total 1.946.806 317.495 97.963 5.432.499 - 7.794.763
31 Desember 2025
>1 Tahun >3 Tahun Non-
Kategori Portofolio <1 Tahun >5 Tahun Total
s.d 3 Tahun s.d 5 Tahun Kontraktual
Tagihan kepada Pemerintah - - - - - -
Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan Kepada Perusahaan Efek Jangka
807.400 - - - - 807.400
Pendek
Eksposur Sekuritisasi - - - - - -
Tagihan kepada Bank - - - - - -
Kredit Beragun Rumah Tinggal - - - - - -
Kredit Beragun Properti Komersial - - - - - -
Kredit Pegawai atau Pensiunan 1.636 3.495 10.345 4.369.770 - 4.385.246
Tagihan kepada Usaha Mikro, Kecil, dan
4.736 713 - 934 - 6.383
Portofolio Ritel
Tagihan kepada Korporasi 1.345.989 - 4.488.346 - 5.834.335
Tagihan Yang Telah Jatuh Tempo - 35.915 - - 4.725 40.640
Aset Lainnya - - - - - -
Total 2.159.761 40.123 10.345 8.859.050 4.725 11.074.004
2025 Annual Report | PT Bank Capital Indonesia Tbk 495
Page 498
Tabel 2.1 Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Surat Berharga
(dalam jutaan Rupiah)
31 Desember 2025
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
No. Kategori Portofolio
>1 Tahun - >3 Tahun -
<1 Tahun >5 Tahun Total
3 Tahun 5 th
(1) (2) (3) (4) (5) (7) (8)
1. Tagihan kepada Pemerintah 2.497.444 920.854 - 58.723 3.477.021
2. Tagihan kepada Entitas Sektor Publik - - - - -
Tagihan kepada Bank Pembangunan
3. - - - - -
Multilateral dan Lembaga
4. Tagihan kepada Bank Jangka Pendek - - - - -
5. Kredit Beragun Rumah Tinggal - - - - -
6. Kredit Beragun Properti Komersial - - - - -
7. Kredit Pegawai/Koperasi - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil,
8. - - - - -
dan Portofolio Ritel
9. Tagihan kepada Korporasi 689.376 - - 1.885.049 2.574.425
10. Tagihan yang Telah Jatuh Tempo - - - - -
11. Aset Lainnya - - - - -
12. Eksposur Sekuritisasi - - - - -
Tagihan kepada Perusahaan Efek dan
13. Lembaga Jasa Keuangan Lainnya - - - - 468.568 468.568
Jangka Pendek
Tagihan kepada Perusahaan Efek dan
14. Lembaga Jasa Keuangan Lainnya - - 256.661 - 256.661
Jangka Panjang
Total 3.186.820 1.177.515 - 2.412.340 6.776.675
496 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 499
(dalam jutaan Rupiah)
31 Desember 2024
Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak
No. Kategori Portofolio
>1 Tahun - >3 Tahun -
<1 Tahun >5 Tahun Total
3 Tahun 5 Tahun
(1) (2) (3) (4) (5) (7) (8)
1. Tagihan kepada Pemerintah 1.568.755 465.895 - 574.456 2.609.106
2. Tagihan kepada Entitas Sektor Publik - - - - -
Tagihan kepada Bank Pembangunan
3. - - - - -
Multilateral dan Lembaga
4. Tagihan kepada Bank Jangka Pendek - - - - -
5. Kredit Beragun Rumah Tinggal - - - - -
6. Kredit Beragun Properti Komersial - - - - -
7. Kredit Pegawai/Koperasi - - - - -
Tagihan kepada Usaha Mikro, Usaha Kecil,
8. - - - - -
dan Portofolio Ritel
9. Tagihan kepada Korporasi - 673.695 - 1.373.887 2.047.582
10. Tagihan yang Telah Jatuh Tempo - - - - -
11. Aset Lainnya - - - - -
12. Eksposur Sekuritisasi - - - - -
Tagihan kepada Perusahaan Efek dan
13. Lembaga Jasa Keuangan Lainnya - - - - 411.008 411.008
Jangka Pendek
Tagihan kepada Perusahaan Efek dan
14. Lembaga Jasa Keuangan Lainnya - 199.941 516.016 - - 715.957
Jangka Panjang
Total 1.768.696 1.655.606 - 2.359.351 5.783.653
2025 Annual Report | PT Bank Capital Indonesia Tbk 497
Page 500
Tagihan Tagihan Kepada
Tagihan
kepada Perusahaan Eksposur Tagihan Kepada
No. Sektor Ekonomi kepada
Entitas Sektor Efek Jangka Sekuritisasi Bank
Pemerintah
Publik Pendek
Posisi Desember 2025
Pertanian, Kehutanan, dan
1. - - - - -
Perikanan
2. Pertambangan dan Penggalian - - - - -
3. Industri Pengolahan - - - - -
Pengadaan Listrik, Gas, Uap/Air
4. - - - - -
Panas, dan Udara Dingin
Pengelolaan Air, Air Limbah, Daur
5. Ulang Sampah, dan Aktivitas - - - - -
Remediasi
6. Konstruksi - - - - -
Perdagangan Besar dan Eceran,
7. Reparasi, dan Perawatan Mobil - - - - -
dan Sepeda Motor
8. Pengangkutan dan Pergudangan - - - - -
Penyediaan Akomodasi dan
9. - - - - -
Penyediaan Makan Minum
10. Informasi dan Komunikasi - - - -
11. Aktivitas Keuangan dan Asuransi - - 807.400 - -
12. Real Estat - - - - -
Aktivitas Profesi, Ilmiah, dan
13. - - - - -
Teknis
Aktivitas Penyewaan dan
Sewa Guna Usaha Tanpa Hak
14. Opsi, Ketenagakerjaan, Agen - - - - -
Perjalanan, dan Penunjang Usaha
Lainnya
Administrasi Pemerintahan,
15. Pertahanan, dan Jaminan Sosial - - - - -
Wajib
16. Pendidikan - - - - -
Aktivitas Kesehatan Manusia dan
17. - - - - -
Aktivitas Sosial
18. Kesenian, Hiburan, dan Rekreasi - - - - -
19. Aktivitas Jasa Lainnya - - - - -
Aktivitas Rumah Tangga sebagai
Pemberi Kerja; Aktivitas yang
Menghasilkan Barang dan
20. - - - - -
Jasa oleh Rumah Tangga yang
Digunakan untuk Memenuhi
Kebutuhan Sendiri
Aktivitas Badan Internasional
21. dan Badan Ekstra Internasional - - - - -
Lainnya
22. Rumah Tangga - - - - -
23. Lainnya - - - - -
498 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 501
(dalam jutaan Rupiah)
Tagihan
Kredit Beragun Kredit kepada Usaha Tagihan Tagihan yang
Kredit Beragun
Properti Pegawai atau Mikro, Kecil, kepada Telah Jatuh Aset Lainnya
Rumah Tinggal
Komersial Pensiunan dan Portofolio Korporasi Tempo
Ritel
- - - - - 4.725 -
- - - - - - -
- - 24 453 20.291 - -
- - - - - - -
- - - - - - -
- - - - 375.000 - -
- - 107.863 1.856 401.546 - -
- - - - 68.000 - -
- - 1 - 81.289 - -
- - - - 13.000 - -
- - - - 1.696 35.915 -
- - - - 1.448.216 - -
- - - - 3.401.500 - -
- - 226 2.214 23.797 - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - 4.277.132 1.860 - - -
- - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 499
Page 502
Tagihan
Tagihan Tagihan Kepada
kepada Eksposur Tagihan Kepada
No. Sektor Ekonomi kepada Perusahaan Efek
Entitas Sektor Sekuritisasi Bank
Pemerintah Jangka Pendek
Publik
Posisi Desember 2024
Pertanian, Kehutanan, dan
1. - - - - -
Perikanan
2. Pertambangan dan Penggalian - - - - -
3. Industri Pengolahan - - - - -
Pengadaan Listrik, Gas, Uap/Air
4. - - - - -
Panas, dan Udara Dingin
Pengelolaan Air, Air Limbah, Daur
5. Ulang Sampah, dan Aktivitas - - - - -
Remediasi
6. Konstruksi - - - - -
Perdagangan Besar dan Eceran,
7. Reparasi, dan Perawatan Mobil - - - - -
dan Sepeda Motor
8. Pengangkutan dan Pergudangan - - - - -
Penyediaan Akomodasi dan
9. - - - - -
Penyediaan Makan Minum
10. Informasi dan Komunikasi - - - -
11. Aktivitas Keuangan dan Asuransi - - 669.488 - -
12. Real Estat - - - - -
Aktivitas Profesi, Ilmiah, dan
13. - - - - -
Teknis
Aktivitas Penyewaan dan
Sewa Guna Usaha Tanpa Hak
14. Opsi, Ketenagakerjaan, Agen - - - - -
Perjalanan, dan Penunjang Usaha
Lainnya
Administrasi Pemerintahan,
15. Pertahanan, dan Jaminan Sosial - - - - -
Wajib
16. Pendidikan - - - - -
Aktivitas Kesehatan Manusia dan
17. - - - - -
Aktivitas Sosial
18. Kesenian, Hiburan, dan Rekreasi - - - - -
19. Aktivitas Jasa Lainnya - - - - -
Aktivitas Rumah Tangga sebagai
Pemberi Kerja; Aktivitas yang
Menghasilkan Barang dan
20. - - - - -
Jasa oleh Rumah Tangga yang
Digunakan untuk Memenuhi
Kebutuhan Sendiri
Aktivitas Badan Internasional
21. dan Badan Ekstra Internasional - - - - -
Lainnya
22. Rumah Tangga - - - - -
23. Lainnya - - - - -
500 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 503
(dalam jutaan Rupiah)
Tagihan
Kredit Beragun Kredit kepada Usaha Tagihan Tagihan yang
Kredit Beragun
Properti Pegawai atau Mikro, Kecil, kepada Telah Jatuh Aset Lainnya
Rumah Tinggal
Komersial Pensiunan dan Portofolio Korporasi Tempo
Ritel
- - - - - - -
- - - - - - -
- - 37 513 39.420 - -
- - - 67 - - -
- - - - - - -
- - 0 773 373.765 - -
- - 11.085 508 516.903 - -
- - - - 64.786 - -
- - 14 - 114.487 - -
- - - - - - -
- - - - - - -
- - - - 4.614.985 - -
- - - - 337.338 - -
- - 294 3.819 19.237 - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - 1.023.333 3.910 - - -
- - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 501
Page 504
Tabel 3.1 Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Surat Berharga
Tagihan Tagihan Tagihan
Kredit Kredit
Tagihan kepada kepada Bank kepada
Beragun Beragun
No. Sektor Ekonomi kepada Entitas Pembangunan Bank
Rumah Properti
Pemerintah Sektor Multilateral dan Jangka
Tinggal Komersial
Publik Lembaga Pendek
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi 31 Desember 2025
Pertanian, Perburuan, dan
1. - - - - - -
Kehutanan
2. Perikanan - - - - - -
Pertambangan dan
3. - - - - - -
Penggalian
4. Industri Pengolahan - - - - - -
5. Listrik, Gas, dan Air - - - - - -
6. Konstruksi - - - - - -
Perdagangan Besar dan
7. - - - - - -
Eceran
Penyediaan Akomodasi dan
8. - - - - - -
Penyediaan Makan Minum
Transportasi, Pergudangan,
9. - - - - - -
dan Komunikasi
10. Perantara Keuangan - - - - - -
Real Estat, Usaha Persewaan,
11. - - - - - -
dan Jasa Perusahaan
Administrasi Pemerintahan,
12. Pertahanan, dan Jaminan 3.477.021 - - - - -
Sosial Wajib
13. Jasa Pendidikan - - - - - -
Jasa Kesehatan dan Kegiatan
14. - - - - - -
Sosial
Jasa Kemasyarakatan,
15. Sosial Budaya, Hiburan, dan - - - - - -
Perorangan
Jasa Perorangan yang
16. - - - - - -
Melayani Rumah Tangga
Badan Internasional dan
17. Badan Ekstra Internasional - - - - - -
Lainnya
Kegiatan yang Belum Jelas
18.
Batasannya
19. Bukan Lapangan Usaha
20. Lainnya
502 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 505
(dalam jutaan Rupiah)
Tagihan Tagihan kepada Tagihan kepada
kepada Perusahaan Perusahaan
Tagihan
Kredit Usaha Mikro, Tagihan Efek dan Efek dan
yang Telah Aset Eksposur
Pegawai/ Usaha kepada Lembaga Jasa Lembaga Jasa
Jatuh Lainnya Sekuritisasi
Koperasi Kecil, dan Korporasi Keuangan Keuangan
Tempo
Portofolio Lainnya - Lainnya -
Ritel Jangka Pendek Jangka Panjang
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - 202.356 - - - - -
- - - - - - - -
- - - - - - - -
- - 1.885.049 - - - 468.568,00 256.661,00
- - 487.020 - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 503
Page 506
Tagihan Tagihan Tagihan
Kredit Kredit
Tagihan kepada kepada Bank kepada
Beragun Beragun
No. Sektor Ekonomi kepada Entitas Pembangunan Bank
Rumah Properti
Pemerintah Sektor Multilateral dan Jangka
Tinggal Komersial
Publik Lembaga Pendek
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi 31 Desember 2024
Pertanian, Perburuan, dan
1. - - - - - -
Kehutanan
2. Perikanan - - - - - -
Pertambangan dan
3. - - - - - -
Penggalian
4. Industri Pengolahan - - - - - -
5. Listrik, Gas, dan Air - - - - - -
6. Konstruksi - - - - - -
Perdagangan Besar dan
7. - - - - - -
Eceran
Penyediaan Akomodasi dan
8. - - - - - -
Penyediaan Makan Minum
Transportasi, Pergudangan,
9. - - - - - -
dan Komunikasi
10. Perantara Keuangan - - - - - -
Real Estat, Usaha Persewaan,
11. - - - - - -
dan Jasa Perusahaan
Administrasi Pemerintahan,
12. Pertahanan, dan Jaminan 2.609.106 - - - - -
Sosial Wajib
13. Jasa Pendidikan - - - - - -
Jasa Kesehatan dan Kegiatan
14. - - - - - -
Sosial
Jasa Kemasyarakatan,
15. Sosial Budaya, Hiburan, dan - - - - - -
Perorangan
Jasa Perorangan yang
16. - - - - - -
Melayani Rumah Tangga
Badan Internasional dan
17. Badan Ekstra Internasional - - - - - -
Lainnya
Kegiatan yang Belum Jelas
18. - - - - - -
Batasannya
19. Bukan Lapangan Usaha - - - - - -
20. Lainnya - - - - - -
504 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 507
(dalam jutaan Rupiah)
Tagihan Tagihan kepada Tagihan kepada
kepada Perusahaan Perusahaan
Tagihan
Kredit Usaha Mikro, Tagihan Efek dan Efek dan
yang Telah Aset Eksposur
Pegawai/ Usaha kepada Lembaga Jasa Lembaga Jasa
Jatuh Lainnya Sekuritisasi
Koperasi Kecil, dan Korporasi Keuangan Keuangan
Tempo
Portofolio Lainnya - Lainnya -
Ritel Jangka Pendek Jangka Panjang
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - 197.110 - - - - -
- - - - - - - -
- - - - - - - -
- - 1.373.887 - - - 411.008 715.957
- - 476.585 - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 505
Page 508
Tabel 4.1 Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
(dalam jutaan Rupiah)
Posisi 31 Desember 2025
No. Kategori Portofolio Wilayah
Jakarta Jawa Lainnya Sumatra Kalimantan Total
(1) (2) (3) (4) (5) (6) (7) (8)
1. Tagihan 2.155.498 5.406.308 2.674.337 673.895 163.967 11.074.005
Tagihan yang Mengalami
2.
Penurunan Nilai (Impaired)
a. Belum Jatuh Tempo - 35.915 - - - 35.915
b. Telah Jatuh Tempo - 4.725 - - - 4.725
Cadangan Kerugian Penurunan
3. - 33.219 - - - 33.219
Nilai (CKPN) - Individual
Cadangan Kerugian Penurunan
4. 503 2.691 1.372 345 84 4.995
Nilai (CKPN) - Kolektif
5. Tagihan yang Dihapus Buku - - - - - -
(dalam jutaan Rupiah)
Posisi 31 Desember 2024
No. Kategori Portofolio Wilayah
Jakarta Jawa Lainnya Sumatra Kalimantan Total
(1) (2) (3) (4) (5) (6) (7) (8)
1. Tagihan 1.920.926 5.056.081 593.455 249.882 12.310 7.832.654
Tagihan yang Mengalami
2.
Penurunan Nilai (Impaired)
a. Belum Jatuh Tempo - - - - - -
b. Telah Jatuh Tempo - 4.900 - - - 4.900
Cadangan Kerugian Penurunan
3. - 4.955 57 112 - 5.124
Nilai (CKPN) - Individual
Cadangan Kerugian Penurunan
4. 6.408 22.490 2.688 1.125 56 32.767
Nilai (CKPN) - Kolektif
5. Tagihan yang Dihapus Buku - - - - - -
506 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 509
Tabel 5.1 Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi -
Bank secara Individual
(dalam jutaan Rupiah)
Tagihan yang Mengalami
Penurunan Nilai
Tagihan yang
No. Sektor Ekonomi Tagihan CKPN
Dihapus Buku
Belum Jatuh Telah Jatuh
Tempo Tempo
(1) (2) (3) (4) (5) (6) (7)
Posisi Tanggal 31 Desember 2025
Pertanian, Perburuan, dan
1. 4.725 - 4.725 4.725 -
Kehutanan
2. Perikanan - - - - -
3. Pertambangan dan Penggalian - - - - -
4. Industri Pengolahan 20.769 - - 6 -
5. Listrik, Gas, dan Air - - - - -
6. Konstruksi 375.000 - - 12 -
7. Perdagangan Besar dan Eceran 511.265 - - 69 -
Penyediaan Akomodasi dan
8. 81.290 - - 40 -
Penyediaan Makan Minum
Transportasi, Pergudangan, dan
9. 68.000 - - 3 -
Komunikasi
10. Perantara Keuangan 809.096 - - 25 -
Real Estat, Usaha Persewaan,
11. 4.914.868 35.915 - 31.134 -
dan Jasa Perusahaan
Administrasi Pemerintahan,
12. Pertahanan, dan Jaminan Sosial - - - - -
Wajib
13. Jasa Pendidikan - - - - -
Jasa Kesehatan dan Kegiatan
14. - - - - -
Sosial
Jasa Kemasyarakatan, Sosial
15. Budaya, Hiburan, dan Perorangan 10.000 - - 5 -
Lainnya
Jasa Perorangan yang Melayani
16. - - - - -
Rumah Tangga
Badan Internasional dan Badan
17. - - - - -
Ekstra Internasional Lainnya
Kegiatan yang Belum Jelas
18. - - - - -
Batasannya
19. Bukan Lapangan Usaha - -
20. Rumah Tangga 4.278.992 2.195 -
Total 11.074.005 35.915 4.725 38.214 -
2025 Annual Report | PT Bank Capital Indonesia Tbk 507
Page 510
(dalam jutaan Rupiah)
Tagihan yang Mengalami
Penurunan Nilai
Tagihan yang
No. Sektor Ekonomi Tagihan CKPN
Dihapus Buku
Belum Jatuh Telah Jatuh
Tempo Tempo
(1) (2) (3) (4) (5) (6) (7)
Posisi Tanggal 31 Desember 2024
Pertanian, Perburuan, dan
1. 4.900 - 4.900 4.900 -
Kehutanan
2. Perikanan - - - - -
3. Pertambangan dan Penggalian - - - - -
4. Industri Pengolahan 40.139 - - 170 -
5. Listrik, Gas, dan Air 67 - - 1 -
6. Konstruksi 375.777 - - 1.238 -
7. Perdagangan Besar dan Eceran 530.283 - - 1.786 -
Penyediaan Akomodasi dan
8. 115.019 - - 518 -
Penyediaan Makan Minum
Transportasi, Pergudangan, dan
9. 65.000 - - 214 -
Komunikasi
10. Perantara Keuangan 671.700 - - 2.212 -
Real Estat, Usaha Persewaan,
11. 4.997.637 - - 21.964 -
dan Jasa Perusahaan
Administrasi Pemerintahan,
12. Pertahanan, dan Jaminan Sosial - - - - -
Wajib
13. Jasa Pendidikan - - - - -
Jasa Kesehatan dan Kegiatan
14. - - - - -
Sosial
Jasa Kemasyarakatan, Sosial
15. Budaya, Hiburan, dan Perorangan - - - - -
Lainnya
Jasa Perorangan yang Melayani
16. - - - - -
Rumah Tangga
Badan Internasional dan Badan
17. - - - - -
Ekstra Internasional Lainnya
Kegiatan yang Belum Jelas
18. - - - - -
Batasannya
19. Bukan Lapangan Usaha - - - - -
20. Rumah Tangga 1.032.132 - - 4.888 -
Total 7.832.654 - 4.900 37.891 -
508 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 511
Tabel 6.1 Pengungkapan Rincian Mutasi CKPN - Bank secara Individual
Posisi Tanggal Laporan Posisi Tanggal Laporan
31 Desember 2025 31 Desember 2024
No. Kategori Portofolio
Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3
(1) (2) (3) (4) (5) (6) (7) (8)
1. Saldo Awal CKPN 32.767 224 4.900 22.995 4.008 4.900
Pembentukan (Pemulihan) CKPN pada
2. - - - - - -
Periode Berjalan (Net)
2.a. Pembentukan CKPN pada
(28.127) 131 28.494 9.772 (3.784) -
Periode Berjalan
2.b. Pemulihan CKPN pada
- - (175) - - -
Periode Berjalan
CKPN yang Digunakan untuk Melakukan
3. Hapus Buku atas Tagihan pada Periode - - - - - -
Berjalan
Pembentukan (Pemulihan) Lainnya pada
4. - - - - - -
Periode Berjalan
4.640 355 33.219
2025 Annual Report | PT Bank Capital Indonesia Tbk 509
Page 512
Pengungkapan Tagihan Bersih berdasarkan Kategori Portofolio dan Skala Peringkat -
Bank secara Individual
31 Desember 2025
Tagihan Bersih
Lembaga
Pemeringkat
Peringkat Jangka Panjang
Standard and
AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
Poor's
Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
No. Kategori Portofolio
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3
PT Fitch
AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d
Ratings AAA (idn)
AA-(idn) A-(idn) BBB-(idn)
Indonesia
PT
idAA+ s.d id BBB+ s.d id
Pemeringkat idAAA idA+ s.d id A-
idAA- BBB-
Efek Indonesia
(1) (2) (3) (4) (5) (6) (7)
1. Tagihan kepada Pemerintah - - - - -
Tagihan kepada Entitas
2. - - - - -
Sektor Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - - - - -
5. Tagihan Berupa Covered Bond - - - - -
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan - - - - -
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, - - - - -
dan Instrumen Modal Lainnya
8. Kredit Beragun Rumah Tinggal - - - - -
9. Kredit Beragun Properti Komersial - - - - -
Kredit untuk Pengadaan Tanah,
10. - - - - -
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan - - - - -
Tagihan kepada Usaha Mikro, Usaha
12. - - - - -
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi - - - - -
14. Tagihan yang telah Jatuh Tempo - - - - -
15. Aset Lainnya - - - - -
Total - - - - -
510 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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31 Desember 2025
Tagihan Bersih
Peringkat Jangka Panjang
BB+ s.d Kurang dari Kurang dari
B+ s.d B- A-1 A-2 A-3
BB- B- A-3
BB+ s.d Kurang dari Kurang dari
B+ s.d B- F1+ s.d F1 F2 F3
BB- B- F3
Tanpa
Kurang dari Kurang dari
Ba1 s.d Ba3 B1 s.d B3 F-1 F-2 F-3 Peringkat Total
B3 F-3
BB+(idn)
B+(idn) s.d Kurang dari F1+(idn) s.d Kurang dari
s.d BB- F2(idn) F3(idn)
B-(idn) B-(idn) F1(idn) F3(idn)
(idn)
id BB+ s.d id B+ s.d Kurang dari idA3 s.d id Kurang dari
idA1 idA2
id BB- id B- idB- A4 idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - 7.728.940 7.728.940
- - - - - - - - -
- - - - - - - -
- - - - - - - 172.010 172.010
- - - - - - - -
- - - - - - - 1.208.863 1.208.863
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - 4.417.529 4.417.529
- - - - - - - 6.395 6.395
- - - - - - - 8.393.462 8.393.462
- - - - - - - 7.421 7.421
- - - - - - - 5.463.842 5.463.842
- - - - - - - 27.398.461 27.398.461
2025 Annual Report | PT Bank Capital Indonesia Tbk 511
Page 514
31 Desember 2024
Tagihan Bersih
Lembaga
Pemeringkat
Peringkat Jangka Panjang
Standard and
AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
Poor's
Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-
No. Kategori Portofolio
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3
PT Fitch
AA+(idn) s.d A+(idn) s.d BBB+(idn) s.d
Ratings AAA (idn)
AA-(idn) A-(idn) BBB-(idn)
Indonesia
PT
idAA+ s.d id BBB+ s.d id
Pemeringkat idAAA idA+ s.d id A-
idAA- BBB-
Efek Indonesia
(1) (2) (3) (4) (5) (6) (7)
1. Tagihan kepada Pemerintah - - - - -
Tagihan kepada Entitas
2. - - - - -
Sektor Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - - - - -
5. Tagihan Berupa Covered Bond - - - - -
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan - - - 715.957 -
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, - - - - -
dan Instrumen Modal Lainnya
8. Kredit Beragun Rumah Tinggal - - - - -
9. Kredit Beragun Properti Komersial - - - - -
Kredit untuk Pengadaan Tanah,
10. - - - - -
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan - - - - -
Tagihan kepada Usaha Mikro, Usaha
12. - - - - -
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi - - - - 2.047.582
14. Tagihan yang telah Jatuh Tempo - - - - -
15. Aset Lainnya - - - - -
Total - - - 715.957 2.047.582
512 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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31 Desember 2024
Tagihan Bersih
Peringkat Jangka Panjang
BB+ s.d Kurang dari Kurang dari
B+ s.d B- A-1 A-2 A-3
BB- B- A-3
BB+ s.d Kurang dari Kurang dari
B+ s.d B- F1+ s.d F1 F2 F3
BB- B- F3
Tanpa
Kurang dari Kurang dari Peringkat Total
Ba1 s.d Ba3 B1 s.d B3 F-1 F-2 F-3
B3 F-3
BB+(idn)
B+(idn) s.d Kurang dari F1+(idn) s.d Kurang dari
s.d BB- F2(idn) F3(idn)
B-(idn) B-(idn) F1(idn) F3(idn)
(idn)
id BB+ s.d id B+ s.d Kurang dari idA3 s.d id Kurang dari
idA1 idA2
id BB- id B- idB- A4 idA4
(8) (9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - 5.528.533 5.528.533
- - - - - - - - -
- - - - - - - - -
- - - - - - - 167.019 167.019
- - - - - - - - -
- - - - - - - 773.689 1.489.645
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - 1.042.610 1.042.610
- - - - - - - 9.610 9.610
- - - - - - - 6.103.961 8.151.543
- - - - - - - - -
- - - - - - - 5.933.935 5.933.935
- - - - - - - 19.559.357 22.322.897
2025 Annual Report | PT Bank Capital Indonesia Tbk 513
Page 516
Pengungkapan Risiko Kredit Pihak Lawan (Counterparty Credit Risk) - Bank secara Individual
(a) Transaksi Derivatif Over the Counter
Posisi Tanggal Laporan
(31 Desember 2025)
Variabel yang
No. Notional Amount Tagihan Tagihan
Mendasari
Tagihan Kewajiban Bersih Bersih
MRK
>1 Tahun - Derivatif Derivatif Sebelum Setelah
≤1 Tahun >5 Tahun MRK MRK
≤5 Tahun
1. Suku Bunga
2. Nilai Tukar - - - - -
3. Lainnya
Total
(b) Transaksi Repo
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
Kategori
No. Nilai Wajar Kewajiban Tagihan Nilai Wajar Kewajiban Tagihan
Portofolio ATMR ATMR
SSB Repo Repo Bersih SSB Repo Repo Bersih
(1) (2) (3) (4) (5) (6) (3) (4) (5) (6)
Tagihan kepada
1.
Pemerintah
Tagihan kepada
2.
Entitas Sektor Publik
Tagihan kepada
Bank Pembangunan
3. Multilateral
dan Lembaga
Internasional - -
4. Tagihan kepada Bank
Tagihan kepada
Usaha Mikro, Usaha
5.
Kecil dan
Portofolio Ritel
Tagihan kepada
6.
Korporasi
Total - - - - - - -
514 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 517
(dalam jutaan Rupiah)
Posisi Tanggal Laporan
(31 Desember 2024)
Notional Amount Tagihan
Tagihan
Tagihan Kewajiban Bersih
MRK Bersih
>1 Tahun - Derivatif Derivatif Sebelum
≤1 Tahun >5 Tahun Setelah MRK
≤5 Tahun MRK
- - - - -
(c) Transaksi Reverse Repo
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
Kategori
No. Nilai Wajar Kewajiban Tagihan Nilai Wajar Kewajiban Tagihan
Portofolio ATMR ATMR
SSB Repo Repo Bersih SSB Repo Repo Bersih
(1) (2) (3) (4) (5) (6) (3) (4) (5) (6)
Tagihan kepada
1.
Pemerintah
Tagihan kepada
2.
Entitas Sektor Publik
Tagihan kepada
Bank Pembangunan
3. Multilateral
dan Lembaga
Internasional - -
4. Tagihan kepada Bank
Tagihan kepada
Usaha Mikro, Usaha
5.
Kecil, dan Portofolio
Ritel
Tagihan kepada
6.
Korporasi
Total - - - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 515
Page 518
Pengungkapan Tagihan Bersih berdasarkan Bobot Risiko Setelah Memperhitungkan
Dampak Mitigasi Risiko Kredit - Bank secara Individual
31 Desember 2025
No. Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
0% 20% 35% 40% 45%
(1) (2) (3) (4) (5) (6) (7)
A. Eksposur Neraca
1. Tagihan kepada Pemerintah 7.728.940 - - - -
Tagihan kepada Entitas Sektor
2. - - - - -
Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - 172.010 - - -
5. Tagihan berupa Covered Bond - - - - -
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan - 952.202 - 256.661 -
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, dan - - - - -
Instrumen Modal Lainnya
8. Kredit Beragun Rumah Tinggal - - - - -
9. Kredit Beragun Properti Komersial - - - - -
Kredit untuk Pengadaan Tanah,
10. - - - - -
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan - - - - -
Tagihan kepada Usaha Mikro, Usaha
12. - - - - -
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 134.622 - - - -
14. Tagihan yang telah Jatuh Tempo - - - - -
15. Aset Lainnya 96.181 - - - -
Total Eksposur Neraca 7.959.744 1.124.212 - 256.661 -
B. Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
1. Tagihan kepada Pemerintah - - - - -
Tagihan kepada Entitas Sektor
2. - - - - -
Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - - - - -
5. Tagihan berupa Covered Bond - - - - -
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan 451.300 - - - -
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, dan - - - - -
Instrumen Modal Lainnya
8. Kredit Beragun Rumah Tinggal - - - - -
516 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Beban Modal
50% 75% 100% 150% Lainnya
(8) (9) (10) (11) (12) (13) (14)
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - 34.402 2.752
- - - - - - -
- - - - - 293.105 23.448
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
4.417.529 - - - - 2.208.764 176.701
- 6.395 - - 4.796 384
- 8.258.840 - - 8.258.840 660.707
- 7.421 - - 7.421
- 5.367.660 - - 5.414.389 433.151
4.417.529 6.395 13.633.921 - - 16.221.717 1.297.144
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 517
Page 520
31 Desember 2025
No. Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
0% 20% 35% 40% 45%
(1) (2) (3) (4) (5) (6) (7)
9. Kredit Beragun Properti Komersial - - - - -
Kredit untuk Pengadaan Tanah,
10. - - - - -
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan - - - - -
Tagihan kepada Usaha Mikro, Usaha
12. 2.061 - - - -
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 105.856 - - - -
14. Tagihan yang telah Jatuh Tempo - - - - -
Total Eksposur TRA 559.217 - - - -
C. Eksposur Akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
1. Tagihan kepada Pemerintah - - - - -
Tagihan kepada Entitas Sektor
2. - - - - -
Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - - - - -
Tagihan kepada Usaha Mikro, Usaha
5. - - - - -
Kecil, dan Portofolio Ritel
6. Tagihan kepada Korporasi - - - - -
Total Eksposur Counterparty Credit Risk - - - - -
518 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Beban Modal
50% 75% 100% 150% Lainnya
(8) (9) (10) (11) (12) (13) (14)
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - 590.654 - - 490.685 39.255
- - - - - -
- - 590.654 - - 490.685 39.255
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 519
Page 522
31 Desember 2024
No. Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
0% 20% 35% 40% 45%
(1) (2) (3) (4) (5) (6) (7)
A. Eksposur Neraca
1. Tagihan kepada Pemerintah 5.528.533 - - - -
Tagihan kepada Entitas Sektor
2. - - - - -
Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - 167.019 - - -
5. Tagihan berupa Covered Bond - - - - -
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan - - 715.957 - -
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, dan - - - - -
Instrumen Modal Lainnya
8. Kredit Beragun Rumah Tinggal - - - - -
9. Kredit Beragun Properti Komersial - - - - -
Kredit untuk Pengadaan Tanah,
10. - - - - -
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan - - - - -
Tagihan kepada Usaha Mikro, Usaha
12. - - - - -
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 139.422 - - - -
14. Tagihan yang telah Jatuh Tempo - - - - -
15. Aset Lainnya 65.109 - - -
Total Eksposur Neraca 5.733.064 167.019 715.957 - -
B. Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
1. Tagihan kepada Pemerintah - - - - -
Tagihan kepada Entitas Sektor
2. - - - - -
Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - - - - -
5. Tagihan berupa Covered Bond - - - - -
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan 370.800 - - - -
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, dan - - - - -
Instrumen Modal Lainnya
8. Kredit Beragun Rumah Tinggal - - - - -
9. Kredit Beragun Properti Komersial - - - - -
Kredit untuk Pengadaan Tanah,
10. - - - - -
Pengolahan Tanah, dan Konstruksi
520 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Beban Modal
50% 75% 100% 150% Lainnya
(8) (9) (10) (11) (12) (13) (14)
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - 33.404 2.672
- - - - - - -
773.689 - - - - 988.476 79.078
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
1.042.610 - - - - 521.305 41.704
- 9.610 - - - 7.208 577
- 2.047.582 5.964.539 - - 7.500.226 600.018
- - - -
- - 5.868.826 - - 5.917.632 473.411
1.816.299 2.057.193 11.833.365 - - 14.968.251 1.197.460
- - - - - - -
- - - - - - -
- - - - - - -
- - 6.034 1.207 97
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 521
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31 Desember 2024
No. Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
0% 20% 35% 40% 45%
(1) (2) (3) (4) (5) (6) (7)
11. Kredit Pegawai/Pensiunan - - - - -
Tagihan kepada Usaha Mikro, Usaha
12. 1.794 - - - -
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 102.581 - - - -
14. Tagihan yang telah Jatuh Tempo - - - -
Total Eksposur TRA 475.175 - - - -
C. Eksposur Akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
1. Tagihan kepada Pemerintah - - - - -
Tagihan kepada Entitas Sektor
2. - - - - -
Publik
Tagihan kepada Bank Pembangunan
3. Multilateral dan Lembaga - - - - -
Internasional
4. Tagihan kepada Bank - - - - -
Tagihan kepada Usaha Mikro, Usaha
5. - - - - -
Kecil, dan Portofolio Ritel
6. Tagihan kepada Korporasi - - - - -
Total Eksposur Counterparty Credit Risk - - - - -
522 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Beban Modal
50% 75% 100% 150% Lainnya
(8) (9) (10) (11) (12) (13) (14)
- - - - - - -
- - - - - - -
- - 490.685 - - 490.685 39.255
- - - - -
- - 496.719 - - 491.891 39.351
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 523
Page 526
Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
31 Desember 2025
Bagian yang Dijamin dengan
No. Kategori Portofolio Bagian
Tagihan
Tidak
Bersih Asuransi
Agunan Garansi Lainnya Dijamin
Kredit
(2) (3) (4) (5) (6) (7) (8)
A. Eksposur Neraca
1. Tagihan kepada Pemerintah 7.728.940 7.728.940 -
Tagihan kepada Entitas Sektor
2. - - -
Publik
Tagihan kepada Bank
3. Pembangunan Multilateral dan - -
Lembaga Internasional
4. Tagihan kepada Bank 172.010 34.402 137.608
5. Tagihan berupa Covered Bond
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan 1.208.863 293.105 915.758
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
8. Kredit Beragun Rumah Tinggal - -
9. Kredit Beragun Properti Komersial - -
Kredit untuk Pengadaan Tanah,
1.
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan 4.417.529 2.208.764 2.208.764
Tagihan kepada Usaha Mikro,
12. 6.395 4.796 1.599
Usaha Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 8.393.462 134.622 8.258.840
14. Tagihan yang Telah Jatuh Tempo 7.421 7.421
15. Aset Lainnya 5.463.842 96.181 5.367.660
Total Eksposur Neraca 27.398.461 134.622 - - 10.366.188 16.897.650
B. Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
1. Tagihan kepada Pemerintah
Tagihan kepada Entitas Sektor
2.
Publik
Tagihan kepada Bank
3. Pembangunan Multilateral dan
Lembaga Internasional
4. Tagihan kepada Bank
5. Tagihan berupa Covered Bond
Tagihan kepada Perusahaan Efek
6. dan Lembaga Jasa Keuangan 451.300 451.300 -
Lainnya
Tagihan berupa Surat Berharga/
7. Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
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31 Desember 2024
Bagian yang Dijamin dengan
Bagian Tidak
Tagihan Bersih
Dijamin
Agunan Garansi Asuransi Kredit Lainnya
(3) (4) (5) (6) (7) (8)
5.528.533 5.528.533 -
- - -
- -
167.019 33.404 133.615
1.489.645 988.476 501.170
- -
- -
1.042.610 521.305 521.305
9.610 7.208 2.403
8.151.543 139.422 1.535.687 6.476.435
- -
5.933.935 65.109 5.868.826
22.322.897 139.422 - - 8.679.721 13.503.754
6.034 6.034
370.800 370.800 -
2025 Annual Report | PT Bank Capital Indonesia Tbk 525
Page 528
31 Desember 2025
Bagian yang Dijamin dengan
No. Kategori Portofolio Bagian
Tagihan
Tidak
Bersih Asuransi
Agunan Garansi Lainnya Dijamin
Kredit
(2) (3) (4) (5) (6) (7) (8)
8. Kredit Beragun Rumah Tinggal
9. Kredit Beragun Properti Komersial
Kredit untuk Pengadaan Tanah,
10.
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan
Tagihan kepada Usaha Mikro,
12. 2.061 2.061 -
Usaha Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 696.510 105.856 590.654
14. Tagihan yang Telah Jatuh Tempo
Total Eksposur TRA 1.149.871 559.217 590.654
C. Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
1. Tagihan kepada Pemerintah
Tagihan kepada Entitas Sektor
2.
Publik
Tagihan kepada Bank
3. Pembangunan Multilateral dan
Lembaga Internasional
4. Tagihan kepada Bank - -
Tagihan kepada Usaha Mikro,
5.
Usaha Kecil, dan Portofolio Ritel
6. Tagihan kepada Korporasi
Total Eksposur Counterparty
- - - - - -
Credit Risk
526 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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31 Desember 2024
Bagian yang Dijamin dengan
Bagian Tidak
Tagihan Bersih
Dijamin
Agunan Garansi Asuransi Kredit Lainnya
(3) (4) (5) (6) (7) (8)
1.794 1.794 -
593.266 102.581 490.685
971.894 481.209 490.685
- -
- - - - - -
2025 Annual Report | PT Bank Capital Indonesia Tbk 527
Page 530
Pengungkapan Transaksi Sekuritisasi - Bank secara Individual
31 Desember 2025
Nilai Aset yang
Disekuritisasi yang Laba/
No. Eksposur Sekuritisasi
Nilai Aset yang Mengalami Penurunan Nilai Rugi dari Pengurang
ATMR
Disekuritisasi Aktivitas Modal
Telah Jatuh Belum Jatuh Sekuritisasi
Tempo Tempo
(2) (3) (4) (5) (6) (7) (8)
1. Bank Bertindak sebagai
Kreditur Asal
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal)
2. Bank Bertindak sebagai
Penyedia Kredit Pendukung
a. Fasilitas Penanggung Risiko
Pertama
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal)
b. Fasilitas Penanggung Risiko
Kedua
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal)
3. Bank Bertindak sebagai
Penyedia Fasilitas Likuiditas
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal -
4. Bank Bertindak sebagai
Penyedia Jasa
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal)
5. Bank Bertindak sebagai Bank
Kostudian
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal)
6. Bank Bertindak sebagai
Pemodal
a. Senior Tranche
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal)
b. Junior Tranche
- Jenis Eksposur (Contoh:
Tagihan Beragun Rumah
Tinggal)
528 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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31 Desember 2024
Nilai Aset yang Disekuritisasi yang
Mengalami Penurunan Nilai Laba/Rugi
Nilai Aset yang
dari Aktivitas ATMR Pengurang Modal
Disekuritisasi
Sekuritisasi
Belum Jatuh
Telah Jatuh Tempo
Tempo
(3) (4) (5) (6) (7) (8)
-
2025 Annual Report | PT Bank Capital Indonesia Tbk 529
Page 532
Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak sebagai Kreditur Asal -
Bank secara Individual
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
No. Underlying Asset Keuntungan Keuntungan
Nilai Aset yang Nilai Aset yang
(Kerugian) (Kerugian)
Disekuritisasi Disekuritisasi
Penjualan Penjualan
(1) (2) (3) (4) (3) (4)
1. Tagihan kepada Pemerintah
2. Tagihan kepada Entitas Sektor Publik
Tagihan kepada Bank Pembangunan
3.
Multilateral dan Lembaga Internasional
4. Tagihan kepada Bank
5. Kredit Beragun Rumah Tinggal
- -
6. Kredit Beragun Properti Komersial
7. Kredit Pegawai/Pensiunan
Tagihan kepada Usaha Mikro, Usaha
8.
Kecil, dan Portofolio Ritel
9. Tagihan kepada Korporasi
10. Aset Lainnya
Total - -
Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar -
Bank secara Individual
(a) Eksposur Aset di Neraca
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
No. Kategori Portofolio ATMR ATMR ATMR ATMR
Tagihan Tagihan
Sebelum Setelah Sebelum Setelah
Bersih Bersih
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (3) (4) (5)
1. Tagihan kepada Pemerintah 7.728.940 5.528.533
2. Tagihan kepada Entitas Sektor Publik - - - - 6.273 6.273
Tagihan kepada Bank Pembangunan -
3. -
Multilateral dan Lembaga Internasional
4. Tagihan kepada Bank 172.010 34.402 34.402 167.019 6.717 6.717
5. Tagihan berupa Covered Bond
Tagihan kepada Perusahaan Efek dan 1.208.863 293.105 293.105
6. 1.489.645 655.488 1.097.427
Lembaga Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang
7. Subordinasi, Ekuitas, dan Instrumen
Modal Lainnya
8. Kredit Beragun Rumah Tinggal - -
9. Kredit Beragun Properti Komersial - -
530 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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31 Desember 2025 31 Desember 2024
No. Kategori Portofolio ATMR ATMR ATMR ATMR
Tagihan Tagihan
Sebelum Setelah Sebelum Setelah
Bersih Bersih
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (3) (4) (5)
Kredit untuk Pengadaan Tanah,
10.
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan 4.417.529 2.208.764 2.208.764 1.042.610 72.819 72.819
Tagihan kepada Usaha Mikro, Usaha 6.395 4.796 4.796
12. 9.610 5.439 5.439
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 8.393.462 8.393.462 8.258.840 8.151.543 6.663.202 6.491.810
14. Tagihan yang Telah Jatuh Tempo 7.421 7.421 7.421 - - -
15. Aset Lainnya 5.463.842 - 5.414.389 5.933.935 - 814.006
Total 27.398.461 10.941.950 16.221.717 22.322.897 7.409.938 8.494.490
(b) Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
No. Kategori Portofolio ATMR ATMR ATMR ATMR
Tagihan Tagihan
Sebelum Setelah Sebelum Setelah
Bersih Bersih
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (3) (4) (5)
1. Tagihan kepada Pemerintah - - - - - -
2. Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan - - - - - -
3.
Multilateral dan Lembaga Internasional
4. Tagihan kepada Bank - - - 6.034 6.034 1.207
5. Tagihan berupa Covered Bond - - - - - -
Tagihan kepada Perusahaan Efek dan - - - - - -
6.
Lembaga Jasa Keuangan Lainnya
Tagihan berupa Surat Berharga/Piutang
7. Subordinasi, Ekuitas, dan Instrumen - - - - - -
Modal Lainnya
8. Kredit Beragun Rumah Tinggal - - - - - -
9. Kredit Beragun Properti Komersial - - - - - -
Kredit untuk Pengadaan Tanah, - - - - - -
10.
Pengolahan Tanah, dan Konstruksi
11. Kredit Pegawai/Pensiunan - - - - - -
Tagihan kepada Usaha Mikro, Usaha - - - - - -
12.
Kecil, dan Portofolio Ritel
13. Tagihan kepada Korporasi 590.654 590.654 590.654 490.685 490.685 490.685
14. Tagihan yang Telah Jatuh Tempo - - - - - -
Total
2025 Annual Report | PT Bank Capital Indonesia Tbk 531
Page 534
(c) Eksposur yang Menimbulkan Risiko Kredit Akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
No. Kategori Portofolio ATMR ATMR ATMR ATMR
Tagihan Tagihan
Sebelum Setelah Sebelum Setelah
Bersih Bersih
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (3) (4) (5)
1. Tagihan kepada Pemerintah - - - - - -
2. Tagihan kepada Entitas Sektor Publik - - - - - -
Tagihan kepada Bank Pembangunan
3. - - - - - -
Multilateral dan Lembaga Internasional
4. Tagihan kepada Bank - - - - - -
Tagihan kepada Usaha Mikro, Usaha
5. - - - - - -
Kecil dan Portofolio Ritel
6. Tagihan kepada Korporasi - - - - - -
Eksposur Tertimbang dari Credit
7. - - - - - -
Valuation Adjustment (CVA)
Total - - - - - -
(d) Eksposur yang Menimbulkan Risiko Kredit Akibat Kegagalan Setelmen (Settlement Risk)
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
No. Kategori Portofolio Faktor ATMR Faktor ATMR
Nilai Nilai
Pengurang setelah Pengurang setelah
Eksposur Eksposur
Modal MRK Modal MRK
(1) (2) (3) (4) (5) (3) (4) (5)
1. Delivery Versus Payment - - - - - -
a. Beban Modal 8% (5-15 hari)
b. Beban Modal 50% (16-30 hari)
c. Beban Modal 75% (31-45 hari) - -
d. Beban Modal 100% (lebih dari 45 hari)
2 Non-Delivery Versus Payment
Total - - - - - -
(e) Eksposur Sekuritisasi
(dalam jutaan Rupiah)
31 Desember 2025 31 Desember 2024
No. Kategori Portofolio Faktor Faktor
Pengurang ATMR Pengurang ATMR
Modal Modal
(1) (2) (3) (4) (3) (4)
1. Fasilitas Kredit Pendukung yang Memenuhi Persyaratan - - - -
2. Fasilitas Kredit Pendukung yang Tidak Memenuhi Persyaratan - - - -
532 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
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31 Desember 2025 31 Desember 2024
No. Kategori Portofolio Faktor Faktor
Pengurang ATMR Pengurang ATMR
Modal Modal
(1) (2) (3) (4) (3) (4)
3. Fasilitas Likuiditas yang Memenuhi Persyaratan - - - -
4. Fasilitas Likuiditas yang Tidak Memenuhi Persyaratan - - - -
5. Pembelian Efek Beragun Aset yang Memenuhi Persyaratan - - - -
6. Pembelian Efek Beragun Aset yang Tidak Memenuhi Persyaratan - - - -
Eksposur Sekuritisasi yang Tidak Tercakup dalam Ketentuan Bank
7. Indonesia mengenai Prinsip-Prinsip Kehati-hatian dalam Aktivitas - - - -
Sekuritisasi Aset bagi Bank Umum
Total - - - -
(f) Total Pengukuran Risiko Kredit
(dalam jutaan Rupiah)
No. Kategori Portofolio 31 Desember 2025 31 Desember 2024
1. Total ATMR Risiko Kredit 15.460.142 9.190.590
2. Total Faktor Pengurang Modal - -
Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
(dalam jutaan Rupiah)
Posisi Tanggal Laporan
(31 Desember 2025)
No. Jenis Risiko
Bank Konsolidasi
Beban Modal ATMR Beban Modal ATMR
(1) (2) (7) (8) (9) (10)
1. Beban Modal Berdasarkan Sensitivity Based Method 1.304 16.301 - -
Kelas Risiko GIRR 33 414 - -
Kelas Risiko CSR (Non-Sekuritisasi) - - - -
Kelas Risiko CSR (Sekuritisasi: Non-CTP) - - - -
Kelas risiko CSR (sekuritisasi: CTP) - - - -
Kelas Risiko Ekuitas - - - -
Kelas Risiko Komoditas - - - -
Kelas Risiko Nilai Tukar 1.271 15.887 - -
2. Beban Modal Default Risk Capital (DRC) 49.044 613.056 - -
Total 50.349 629.356 - -
Pendekatan Standardized
2025 Annual Report | PT Bank Capital Indonesia Tbk 533
Page 536
(dalam jutaan Rupiah)
Posisi Tanggal Laporan
(31 Desember 2024)
No. Jenis Risiko
Bank Konsolidasi
Beban Modal ATMR Beban Modal ATMR
(1) (2) (7) (8) (9) (10)
1. Risiko Suku Bunga 37.857 473.210 - -
a. Risiko Spesifik 32.165 402.067 - -
b. Risiko Umum 5.691 71.143 - -
2. Risiko Nilai Tukar 1.347 16.842 - -
3. Risiko Ekuitas *)
- -
4. Risiko Komoditas *)
- -
5. Risiko Option - -
6. CVA 32.38 - -
Total 39.204 490.084 - -
Pendekatan Simplified Standardized
Pengungkapan Kuantitatif Risiko Operasional-Bank Secara Individual
(dalam jutaaan Rupiah)
Posisi Tanggal Laporan Posisi Tanggal Laporan
(31 Desember 2025) (31 Desember 2024)
No. Pendekatan Yang Digunakan
Jumlah Jumlah
(1) (2) (3) (6)
1. Pendekatan Standar
Komponen Indikator Bisnis (KIB) 77.881 54.956
Faktor Pengali Kerugian Intern (FPKI) 1 1
Modal Minimum Risiko Operasional (MMRO) 77.881 54.956
ATMR Risiko Operasional 973.515 686.951
534 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 537
Pengungkapan Kualitatif Risiko Operasional - Bank secara Individual
LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK RISIKO OPERASIONAL
Nama Bank : PT Bank Capital Indonesia Tbk
Laporan Tahun : 2025 (Audited)
Uraian
Perhitungan Komponen Kerugian Risiko Operasional (Individu)
Nama Bank : PT Bank Capital Indonesia Tbk
Laporan Tahun : 2025 (Audited)
a b c d e f g h i j
Komponen KKRO
T T-1 T-2 T-3 T-4 T-5 T-6 T-7 T-8 T-9
KKRO -
Kerugian terkait Risiko
- - - - - - - - - -
Operasional
FKPI 1,00
MMRO 77.881.175.300,83
ARMR Risiko Operasional 973.514.691.260,42
Perhitungan Komponen Indikator Bisnis (KIB) (Individu)
Nama Bank : PT Bank Capital Indonesia Tbk
Laporan Tahun : 2025 (Audited)
mn a b c
No.
Indikator Bisnis (IB) dan
T T-1 T-2
Komponen IB
1. Komponen Bunga, Sewa, dan Dividen 158.724.003.225,23
1a. Pendapatan Bunga dan Sewa 979.699.601.812,11 838.839.723.777,37 625.260.572.235,25
1b. Biaya Bunga dan Sewa 887.688.914.302,47 974.470.244.579,00 873.785.573.599,68
1c. Pendapatan Bunga atas Aset 16.751.899.654.354,20 12.828.299.977.440,90 10.691.489.809.730,20
1d. Pendapatan Dividen - - -
2. Komponen Jasa 461.360.813.818,26
2a. Pendapatan Komisi dan Jasa 872.652.786.319,00 493.536.341.258,00 17.893.313.877,77
2b. Biaya Komisi dan Jasa 818.818.767,00 946.363.574,00 691.183.718,35
2c. Pendapatan Operasional Lainnya - - -
2d. Biaya Operasional Lainnya - - -
3. Komponen Keuangan 28.926.577.130,13
3a. Laba Rugi Bersih pada Trading Book 7.603.961.067,73 19.071.743.397,00 (12.548.490.786,96)
3b. Laba Rugi Bersih pada Banking Book 1.085.419.447,00 (2.641.315.977,00) 43.828.800.714,69
4. IB 649.009.794.173,61
5. KIB 77.881.175.300,83
Pengungkapan BI
6a. IB Gross termasuk Divestasi 649.009.794.173,61
6b. Pengurangan IB terkait Divestasi -
2025 Annual Report | PT Bank Capital Indonesia Tbk 535
Page 538
LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK RISIKO OPERASIONAL
Nama Bank : PT Bank Capital Indonesia Tbk
Laporan Tahun : 2024 (Audited)
Uraian
Sesuai dengan Surat Edaran Otoritas Jasa Keuangan No. 06/SEOJK.03/2020 tentang Perhitungan Aset Tertimbang Menurut Risiko untuk
Risiko Operasional dengan Menggunakan Pendekatan Standar bagi Bank Umum, ATMR risiko operasional untuk tahun 2024 (audited)
sebagai berikut:
Perhitungan Komponen Kerugian Risiko Operasional (Individu)
Nama Bank : PT Bank Capital Indonesia Tbk
Laporan Tahun : 2024 (Audited)
a b c d e f g h i j
Komponen KKRO
T T-1 T-2 T-3 T-4 T-5 T-6 T-7 T-8 T-9
KKRO -
Kerugian terkait Risiko
- - - - - - - - - -
Operasional
FKPI 1,00
MMRO 56.134.306.158,88
ARMR Risiko Operasional 701.678.826.986,03
Perhitungan Komponen Indikator Bisnis (KIB) (Individu)
Nama Bank : PT Bank Capital Indonesia Tbk
Laporan Tahun : 2024 (Audited)
mn a b c
No.
Indikator Bisnis (IB) dan
T T-1 T-2
Komponen IB
1. Komponen Bunga, Sewa, dan Dividen 253.841.312.221,57
1a. Pendapatan Bunga dan Sewa 838.839.723.777,37 625.260.572.235,25 846.720.834.402,34
1b. Biaya Bunga dan Sewa 974.470.244.579,00 873.786.573.599,68 1.224.008.248.901,00
1c. Pendapatan Bunga atas Aset 12.828.299.977.440,90 10.691.489.809.730,20 13.159.939.531.706,60
1d. Pendapatan Dividen - - -
2. Komponen Jasa 174.589.866.624,92
2a. Pendapatan Komisi dan Jasa 493.536.341.258,00 17.893.313.877,77 12.339.944.739,00
2b. Biaya Komisi dan Jasa 946.363.574,00 691.183.718,35 244.448.301,00
2c. Pendapatan Operasional Lainnya - - -
2d. Biaya Operasional Lainnya - - -
3. Komponen Keuangan 39.354.705.810,86
3a. Laba Rugi Bersih pada Trading Book 19.071.743.397,00 (12.548.490.786,96) (4.309.819.119,19)
3b. Laba Rugi Bersih pada Banking Book (2.641.315.977,00) 43.828.800.714,69 35.663.947.437,74
536 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 539
mn a b c
No.
Indikator Bisnis (IB) dan
T T-1 T-2
Komponen IB
4. IB 467.785.884.657,35
5. KIB 56.134.306.158,88
Pengungkapan BI
6a. IB Gross termasuk Divestasi 649.009.794.173,61
6b. Pengurangan IB terkait Divestasi -
Analisis Kualitatif
1. Strategi pengelolaan operasional Bank diatur di dalam berbagai ketentuan yaitu Surat Keputusan Direksi, Surat Edaran, maupun Standar Operasional
Prosedur (SOP). Ketentuan dan batasan-batasan di dalam SOP mencerminkan pengaturan, risk appetite, dan risk tolerance Bank.
2. Struktur organisasi relatif tidak kompleks, hanya terdapat 5 level dari staf sampai ke Direksi. Struktur organisasi disusun berdasarkan prinsip-prinsip
pemisahan fungsi, jenjang kewenangan, dan rentang kendali. Bank tidak menggunakan tenaga outsourcing untuk staf. Seluruh staf merupakan
karyawan Bank. Tenaga outsourching digunakan untuk driver, satpam, tenaga kebersihan (office boy/office girl) dan operator di Kantor Pusat.
Struktur organisasi disusun berdasarkan prinsip-prinsip pemisahan fungsi, jenjang kewenangan dan rentang kendali. Tanggung jawab tiap-tiap
petugas maupun pejabat telah diatur dalam job description masing-masing, sedangkan mengenai besarnya kewenangan diatur dengan Surat
Keputusan Direksi.
3. Dalam laporan ini, pengukuran besarnya risiko operasional menggunakan metode standar untuk menghitung besarnya modal yang harus
dicadangkan untuk meng-cover risiko operasional Bank.
Treshold data kerugian operasional yang digunakan dalam perhitungan modal untuk risiko operasional adalah sebesar Rp300.000.000,-. Selama
periode laporan, Bank tidak mengalami kerugian operasional di atas threshold yang telah ditentukan.
4. Ruang lingkup dan cakupan utama kerangka laporan risiko operasional:
a. Direksi menetapkan kebijakan pelaporan risiko operasional antara lain terkait tata cara pelaporan peristiwa risiko operasional dan besarnya limit
kerugian.
b. Pejabat di setiap unit/departemen bertanggung jawab untuk melaporkan setiap peristiwa yang berpotensi menimbulkan kerugian.
5. Sistem pengendalian risiko pada level kebijakan dengan melengkapi dan menyempurnakan Kebijakan dan SOP. Sedangkan pada level
pelaksanaan dilakukan dengan pemisahan fungsi, kewenangan berjenjang, pembatasan akses ke sistem TI, pembatasan akses ke khasanah
atau tempat menyimpanan dokumen penting dan pembatasan akses ke ruang-ruang tertentu, misalnya ruang teller, ruang server,
dan lain-lainnya. Setiap transaksi dilaksanakan dengan menerapkan prinsip-prinsip four eyes principles, yakni dual control pada setiap aktivitas,
sehingga setiap aktivitas harus melalui maker, checker, dan approval. Pemantauan risiko operasional berdasarkan hasil pemeriksaan SKAI dan
laporan kerugian yang ditimbulkan oleh aktivitas operasional Bank serta penyebab timbulnya risiko. Secara bulanan, Satuan Kerja Manajemen
Risiko membuat laporan pemantauan risiko operasional kepada Direksi.
Pengungkapan Interest Rate Risk Banking Book
Perhitungan Sensitivitas Suku Bunga terhadap Pendapatan Bunga Bersih
31 Desember 2024 31 Desember 2024
No. Keterangan
Earning Approach Earning Approach
Dampak atas Shock Kenaikan Suku Bunga 200 bp secara
1. 43.471 28.405
Paralel
Dampak atas Shock Penurunan Suku Bunga 200 bp secara
2. (43.471) (28.405)
Paralel
2025 Annual Report | PT Bank Capital Indonesia Tbk 537
Page 540
Pengungkapan Profil Maturitas Rupiah dan Valuta Asing - Bank secara Individual
(a) Profil Maturitas Rupiah
31 Desember 2025
Jatuh Tempo
No. Pos-pos
>6 Bulan
>1 Bulan >3 Bulan
Saldo <1 Bulan s.d > 12 Bulan
s.d 3 bln s.d 6 Bulan
12 Bulan
(1) (2) (3) (4) (5) (6) (7) (8)
I. Neraca
A. Aset
1. Kas 92.065 92.065 - - - -
2. Penempatan pada Bank Indonesia 4.459.876 4.459.876 - - - -
3. Penempatan pada Bank Lain 20.076 20.076 - - - -
4. Surat Berharga 5.422.702 399.930 - 50.057 1.382.860 3.589.855
5. Kredit yang Diberikan 11.074.005 113.097 530.600 65.572 1.455.217 8.909.519
6. Tagihan Lainnya - - - - - -
7. Lain-lain 4.517.032 4.517.032 - - - -
Total Aset 25.585.756 9.602.076 530.600 115.629 2.838.077 12.499.374
B. Kewajiban
1. Dana Pihak Ketiga 17.442.986 12.783.223 2.344.066 1.220.320 1.095.377 -
2. Kewajiban pada Bank Indonesia - - - - - -
3. Kewajiban pada Bank Lain 752.814 752.814 - - - -
4. Surat Berharga yang diterbitkan - - - - - -
5. Pinjaman yang Diterima - - - - - -
6. Kewajiban Lainnya 1.352.022 1.352.022 - - - -
7. Lain-lain 759.170 759.170 - - - -
Total Kewajiban 20.306.992 15.647.229 2.344.066 1.220.320 1.095.377 -
Selisih Aset dengan Kewajiban dalam
5.278.764 (6.045.153) (1.813.466) (1.104.692) 1.742.700 12.499.374
Neraca
II. Rekening Administratif
A. Tagihan Rekening Administratif
1. Komitmen 125.269 125.269 - - - -
2. Kontijensi - - - - - -
Total Tagihan Rekening Administratif 125.269 125.269 - - - -
B. Kewajiban Rekening Administratif
1. Komitmen 1.230.359 872.094 126.086 604 231.576 -
2. Kontijensi 590.654 140.998 41.400 120.123 117.380 170.753
Total Kewajiban Rekening Administratif 1.821.014 1.013.092 167.486 120.727 348.956 170.753
Selisih Tagihan dan Kewajiban dalam
(1.695.745) (887.823) (167.486) (120.727) (348.956) (170.753)
Rekening Administratif
538 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 541
(dalam jutaan Rupiah)
31 Desember 2024
Jatuh Tempo
>1 Bulan s.d >3 Bulan s.d >6 Bulan s.d
Saldo <1 Bulan > 12 Bulan
3 Bulan 6 Bulan 12 Bulan
(3) (4) (5) (6) (7) (8)
63.461 63.461
2.922.405 2.922.405
109.298 109.298
3.535.245 - 199.941 147.505 37.275 3.150.523
7.826.274 210.387 747.722 150.261 849.814 5.868.091
2.721 2.721 -
5.001.239 5.001.239
19.460.643 8.309.511 947.663 297.766 887.089 9.018.614
11.876.480 9.621.569 1.344.162 667.546 243.203 -
725.275 725.275
2.037.223 2.037.223
620.895 620.895
15.259.873 13.004.962 1.344.162 667.546 243.203 -
4.200.771 (4.695.450) (396.499) (369.781) 643.886 9.018.614
80.950 80.950 - - - -
- - - - - -
80.950 80.950 - - - -
1.087.822 613.594 136.954 145.444 191.829 -
482.393 42.160 191.612 7.369 146.609 94.643
1.570.215 655.754 328.566 152.814 338.439 94.643
(1.489.265) (574.804) (328.566) (152.814) (338.439) (94.643)
2025 Annual Report | PT Bank Capital Indonesia Tbk 539
Page 542
31 Desember 2025
Jatuh Tempo
No. Pos-pos
>6 Bulan
>1 Bulan >3 Bulan
Saldo <1 Bulan s.d > 12 Bulan
s.d 3 bln s.d 6 Bulan
12 Bulan
(1) (2) (3) (4) (5) (6) (7) (8)
Selisih [ (1A-1B)+(IIA-IIB)] 3.583.019 (6.932.976) (1.980.951) (1.225.418) 1.393.744 12.328.621
Selisih Kumulatif (6.932.976) (8.913.927) (10.139.346) (8.745.602) 3.583.019
(b) Profil Maturitas Valuta Asing
31 Desember 2025
Jatuh Tempo
No. Pos-pos
>6 Bulan
>1 Bulan >3 Bulan
Saldo < 1 Bulan s.d > 12 Bulan
s.d 3 Bulan s.d 6 Bulan
12 Bulan
(1) (2) (3) (4) (5) (6) (7) (8)
I. Neraca
A. Aset
1. Kas 102 102
2. Penempatan pada Bank Indonesia 2.905 2.905
3. Penempatan pada Bank Lain 3.431 3.431
4. Surat Berharga 11.472 11.472
5. Kredit yang Diberikan - -
6. Tagihan Lainnya -
7. Lain-lain 104 104
Total Aset 18.014 6.542 - - - 11.472
B. Kewajiban
1. Dana Pihak Ketiga 43.230 32.896 6.383 2.424 1.527 -
2. Kewajiban pada Bank Indonesia -
3. Kewajiban pada Bank Lain -
4. Surat Berharga yang diterbitkan -
5. Pinjaman yang Diterima -
6. Kewajiban Lainnya -
7. Lain-lain 6.938 6.938
Total Kewajiban 50.168 39.834 6.383 2.424 1.527 -
Selisih Aset dengan Kewajiban dalam
(32.153) (33.292) (6.383) (2.424) (1.527) 11.472
Neraca
540 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 543
(dalam jutaan Rupiah)
31 Desember 2024
Jatuh Tempo
>1 Bulan s.d >3 Bulan s.d >6 Bulan s.d
Saldo <1 Bulan > 12 Bulan
3 Bulan 6 Bulan 12 Bulan
(3) (4) (5) (6) (7) (8)
2.711.506 (5.270.254) (725.065) (522.595) 305.447 8.923.972
- (5.270.254) (5.995.319) (6.517.913) (6.212.466) 2.711.506
(dalam jutaan Rupiah)
31 Desember 2024
Jatuh Tempo
>1 Bulan s.d >3 Bulan s.d >6 Bulan s.d
Saldo < 1 Bulan >12 Bulan
3 Bulan 6 Bulan 12 Bulan
(3) (4) (5) (6) (7) (8)
134 134
2.055 2.055
2.155 2.155
11.392 11.392
- -
-
107 107
15.843 4.451 - - - 11.392
43.874 32.046 10.424 895 510 -
-
-
-
-
-
117 117
43.991 32.163 10.424 895 510 -
(28.149) (27.712) (10.424) (895) (510) 11.392
2025 Annual Report | PT Bank Capital Indonesia Tbk 541
Page 544
31 Desember 2025
Jatuh Tempo
No. Pos-pos
>6 Bulan
>1 Bulan >3 Bulan
Saldo < 1 Bulan s.d > 12 Bulan
s.d 3 Bulan s.d 6 Bulan
12 Bulan
(1) (2) (3) (4) (5) (6) (7) (8)
II. Rekening Administratif
A. Tagihan Rekening Administratif
1. Komitmen 38.101 38.101
2. Kontijensi -
Total Tagihan Rekening Administratif 38.101 38.101 - - - -
B. Kewajiban Rekening Administratif
1. Komitmen 5.100 5.100
2. Kontijensi - -
Total Kewajiban Rekening Administratif 5.100 5.100 - - - -
Selisih Tagihan dan Kewajiban dalam
33.001 33.001 - - - -
Rekening Administratif
Selisih [ (1A-1B)+(IIA-IIB)] 848 (291) (6.383) (2.424) (1.527) 11.472
Selisih Kumulatif (291) (6.674) (9.098) (10.625) 848
542 PT Bank Capital Indonesia Tbk | Laporan Tahunan 2025
Page 545
(dalam jutaan Rupiah)
31 Desember 2024
Jatuh Tempo
>1 Bulan s.d >3 Bulan s.d >6 Bulan s.d
Saldo < 1 Bulan >12 Bulan
3 Bulan 6 Bulan 12 Bulan
(3) (4) (5) (6) (7) (8)
44.578 44.578
-
44.578 44.578 - - - -
1.000 1.000
4.500 4.500
5.500 5.500 - - - -
39.078 39.078 - - - -
10.929 11.365 (10.424) (895) (510) 11.392
11.365 942 47 (463) 10.929
2025 Annual Report | PT Bank Capital Indonesia Tbk 543
Page 546
PT Bank Capital Indonesia Tbk
Menara BPJAMSOSTEK, Gedung Utara Lt. 1 dan / and 6
Jl. Jend. Gatot Subroto Nomor 38
Jakarta 12710, Indonesia
021 2793 8989
021 2793 8900
call.center@bankcapital.co.id
2025 Laporan Tahunan
Annual Report
Names mentioned 152 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.2 ×27
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Rangkap
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p.7
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Kebijakan Keberagaman Komposisi
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p.7
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PT Indonesia Commodity
p.8 ×9
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PT Indonesia Clearing House. Officially
p.8
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PT Indonesia Exchange.
p.8
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PT Indonesia Clearing House.
p.8 ×4
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Bank Capital RAKB
p.12
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Bank Bank Capital. Kompleksitas
p.15
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Bank Indonesia
p.20 ×14
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Bank Indonesia Giro
p.20
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Bank Penempatan
p.20
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Indonesia Stock Exchange
p.26 ×7
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PT Vetira Pribadi Kreasi
p.28 ×2
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Bank Awards
p.28 ×6
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PT Bank Pembangunan Daerah Kalimantan
p.29 ×2
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PT Indonesia Public Communication Excellence
p.29
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PT Indonesia Clearing House. Excellence
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Febriyanti Ika Sari
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p.32 ×10
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PT Bank Sahabat Sampoerna
p.32 ×2
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PT Bank Digital BCA. Kerja
p.33
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PT TSI Sertifikasi Internasional Masa Berlaku
p.36
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Zeppy Certification Limited
p.36 ×3
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Head Office Zeppy Certification Pvt. Ltd.
p.36 ×2
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Directorate General of Finance
p.52
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Lim Migi Trisnadi Eli
· Direktur
p.59 ×5
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Peter Kurniawan
· Komisaris Utama
p.61 ×2
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Yenny Hoo
· Direktur Utama
p.61 ×2
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Harri Setia Budhi
· Direktur Utama
p.61 ×2
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Siti Pertiwi Henny Shidki
· Notaris
p.64 ×5
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PT Bank Credit Lyonnais Indonesia.
p.64 ×3
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Menteri Kehakiman Republik Indonesia
p.64
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Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
p.64
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PT Bank Credit Lyonnais Indonesia. The Deed
p.64
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Minister of Justice
p.64
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Minister of Laws
p.64
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Menteri Keuangan Republik Indonesia
p.65
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Minister of Finance
p.65 ×2
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Sri Hasmiarti
p.65 ×2
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Minister of Law and Human Rights
p.65 ×2
unresolved
person
Notary Mahendra Adinegara
p.65 ×3
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org
Menteri Hukum dan Hak Asasi
p.65
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Bank Capital’s
p.65 ×4
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PT Bank Credit Lyonnais Indonesia. Menerbitkan
p.66
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Bank Capital Mobile.
p.67
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Bank Groups
p.67
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PT Indonesia Clearing House. Meluncurkan
p.67
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org
Menteri Keuangan
p.70
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person
KH. Hasyim Ashari
p.74
unresolved
person
H. Fachrudin
p.74 ×2
unresolved
person
KH. Moh. Masyur
p.75
unresolved
person
Dr. Makaliwe Raya
p.75
unresolved
person
Forum Komunikasi
· Direktur
p.76 ×2
unresolved
person
ALCO
· President Director
p.77 ×2
unresolved
person
Consumer Banking
· Direktur Kredit
p.77 ×2
unresolved
person
Compilance
· Director
p.77
unresolved
org
Branch Operational Support
· Director
p.77
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Departemen Department
p.77
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Sertifikasi
p.78 ×5
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org
PT Capital Global Investama. Apart
p.78
unresolved
org
Sertifikasi Manajemen Risiko
p.79 ×3
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person
Monitoring Committee
· Ketua
p.79
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Bank Capital. Beliau
p.79 ×5
unresolved
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Bank QNB
p.80
unresolved
org
Bank QNB Kesawan
p.80
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Bank KEB Hana
p.80 ×2
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PT Fintrega Hormindo
p.80
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PT Fintrega Hormindo Indonesia
p.80
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Bank Manager. Di Bank Capital
p.81
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PT Bank Shinta Indonesia
p.83 ×2
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PT Bank Lippo
p.84 ×2
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PT Bina Analisindo Semesta. Associate Partner
p.84
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PT Bina Analisindo Semesta. Saat
p.84
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Bank Capital. She
p.85
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PT Bank MNC Head
p.85
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Internasional Tbk
p.85
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Departemen Anti-Fraud A.I. Andy Handaja Head of Anti-Fraud Department
p.86
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org
Departemen Branch Operational Support
p.87 ×3
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Departemen Central Operational T. Christiana Puspitasari Head of Central Operational Department
p.87
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Departemen Credit Review Marcus Mario Goeritno Head of Credit Review Department
p.87
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org
Departemen Credit Support Wendy Sanjaya Head of Credit Support Department Kepala Departemen
p.87
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Departemen International Banking Services Rouli Silaban Head of International Banking Services Department
p.87
unresolved
org
Departemen Kepatuhan dan Unit Kerja Pengenalan Nasabah Josephine Kartika Tjandra Head of Compliance
p.87
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Departemen Kredit Pensiun Purwanto Head of Pension Credit Department Kepala Departemen Operational
p.87
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Departemen Sistem dan Prosedur Sirojudin Head of Systems and Procedures Department Kepala Departemen Satuan
p.87
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Merry Agustien
· Area Manager 2
p.87
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Lim Tjoeiy Tjoeiy
· Area Manager 3
p.87
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Sari Setiawati
· Area Manager 5
p.87
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Salvy James
· Area Manager 6
p.87
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Yan Sebastian
· Area Manager 7
p.87
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Cendawa Liawati
· Area Manager 8
p.87
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Lim Migi Trisnadi Elias
· Direktur
p.89
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PT Capital Strategic Invesco
p.91
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PT Capital Sharia Indonesia
p.91
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PT Capital Financial Sharia
p.91
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Bapepam-LK
p.92 ×4
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Kantor Akuntan Publik Information
p.95
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Suharli
p.95 ×2
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Sugiharto & Rekan
p.95 ×2
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Nico Hernando Novianto
p.95 ×2
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Stock Exchange
p.96
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Sultan Iskandar Muda Mahendra Adinegara
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p.96 ×5
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PT Pemeringkat Efek Indonesia Credit Ratings
p.96
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org
PT Kustodian Sentral
p.96
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PT Kustodian Sentral Efek
p.96 ×2
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Pusat Statistik RI
p.101 ×2
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org
Kementerian Keuangan RI
p.101 ×2
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Ministry of Finance
p.101
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org
Kementerian Investasi dan Hilirisasi
p.101
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Ministry of Investment and Downstream
p.101
unresolved
org
Bank Umum KBMI
p.102 ×2
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org
Bank Reports. SBDK
p.106
unresolved
org
Bank Capital’s GCG
p.155
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org
Departemen Anti-Fraud
p.161
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Pelaksanaan Tug
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p.162
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PT Kustodian Sentral Efek Indonesia
p.166
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in the Annual GMS
p.167 ×2
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berakhir pada tanggal 31 Desember 2024
p.167 ×2
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31 Desember 2024 serta memberikan pelunasan
p.167
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merupakan lebih dari 50%
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sesuatu yang dipandang perlu dan berguna
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